WillisBack/dataset-financial-user-claim huggingface dataset:
I have been faithfully paying my Discover Loan since inception and had no issues until XXXX 2016 when Discover changed their payment system and locked me out of making a phone payment for about 10 days. That payment was made through their live customer service center. Every month I make my payment as usual ( {$500.00} on a {$470.00} payment ). I get harassing phone calls each month saying I did n't pay my bill, when I had proof from my bank that Discover did indeed withdraw {$500.00} each of these months through XXXX 2016. Now for some unknown reason, my balance has risen and Discover is not reporting my payment history properly, causing my XXXX Score to drop recently. I am assured each time they call that my account is being taken care of and that the matter will be resolved. It never is and I get another phone call. I pay in good faith and expect my payments to be credited properly. I have never had an issue with a lender in the past and am disappointed that I need to write this letter.
In 2009 I lost my job and was unable to make the payments on my private student loan which caused them to go into default. I am now currently employed and want to rehab my credit. These private loans are hurting my future plans. I contacted the servicer Navient which is the new servicer on my loans and they will not help with any repayment options on my defaulted loans. I want to know how can I get back in goodstanding and show that I want to get these loans out of default.
I have a mortgage with Freedom Mortgage Company and after reviewing my paperwork, I noticed some discrepancies on my paperwork. On my HUD-1 my interest rate is 6.5 % with a loan amount of XXXX but on the truth in lending statement my interest rate is 7.078 % with a loan amount of XXXX finance charge amount {$130000.00} total payment {$230000.00}. On the GFE the amount is XXXX. HELOC XXXX. According to my payment schedule payments should be $ XXXX ... However, I have never paid this amount since the beginning of the loan the lowest amount I have paid is XXXX. On XXXX/XXXX/15, I call collections and spoke with rep ID XXXX who informed me I had a escrow shortage of {$1600.00} and my account was being prepared for foreclosure. She transferred me to customer services XXXX ID XXXX ... she said an escrow analysis was done on XXXX XXXX and mailed XXXX XXXX, 2015 to my mail box. The problem with this statement is I do not have a mail box. I have receive all other mail except this XXXX that have been sent to me. She also stated that the new payment did not go into effect until XXXX because I had a short fall on my escrow ; but if you notice my XXXX statement I am paying the same amount for Escrow as in XXXX. This does does not square. I asked about my status with my mortgage and was informed that I needed to speak with someone in collections. I was transferred to Agent ID XXXX. We discussed completing a loss mitigation packet. I informed her that a payment had been sent. She said, the payment would be returned because, the foreclosure process had begun and they would process the documents when received to determine if they are accepted. But they will continue with the process even during the review. In order for the process to stop the entire amount of {$4400.00} is due. But, I question this amount that is due because of all the discrepancy with my financed amount and payments.
Shortly after filing Case number : XXXX with the CFPB Citi closed my credit card account. Prior to this time that had cut off my online access and would not allow me online access to pay my bill or review my account. I now no longer have access to any of my card history.
told XXXX times to mail not call. XXXX time would not give me address to send cease of communications notice. would not provide address unless i " talked about the debt '' like did i think i did not owe the debt etc etc.
I got a phone call from XXXX requested some payments from me about a debt I was not aware of. When I asked a copy of the invoice they never sent it to me. Therefore, I feel unsafe to share any information with them, even though they have been pressing me to verify my social security number, to such request I declined.
I have SEVERAL unauthorized inquiries on my credit report from Equifax. I have contacted them many, many times seeking a resolution.I have also reached out to all of the creditors. They have no evidence that I have applied for credit with them. I have placed fraud alerts on my report and still receive UNAUTHORIZED inquiries. XXXX of those inquiries are from XXXX on XX/XX/XXXX and XX/XX/XXXX. I did n't authorize those inquiries and XXXX has sent me paperwork stating that they were unauthorized and should be removed. They also sent it to Equifax and They still wont delete them. This was months ago.I have XXXX unauthorized inquiries from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I also have  UNAUTHORIZED/FRAUDULENT inquires from XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX/XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX/XXXX ( XX/XX/XXXX ). I have XXXX children and these inquiries are definitely stopping me from getting a mortgage/home for my family. None of these inquiries were made by me. I have no knowledge of them. I have fraud alerts with all three bureaus and it is wrong to still have these fraudulent inquiries on MY files.
XXXX Transunion and XXXX did not fix an error on my credit report. The contract was canceled by the company.
A wire transfer was sent to Coinbase, inc. in the amount of XXXX via XXXX XXXX with the following information : Amount {$610.00} Sent on XX/XX/2018 Description : XXXX Confirmation number XXXX Coinbase promises that Wire Transfers would be in the account in 2 business days, but it has not been credited to my account as of X/X/2018. After I made the wire, my account was locked from buying or selling. I filed a support claim with coinbase with case number : Case # XXXX I have not heard from them regarding this issue or my {$610.00} wire transfer other than an automated message regard the submittal of my complaint.
I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XX/XX/XXXX , XX/XX/XXXX  and 60 days late for  XXXX  and   XXXX  . This was the report I received from the Credit Bureau  XXXX .   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have   XXXX   XXXX   XXXX   take off all the late payments because I was never late.
On XX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, XXXX and Experian both responded that they deleted this account because they were unable to verify this account with the creditor. XXXX failed to respond so I sent them new paperwork on XX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. XXXX did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( XXXX or Experian ) were able to verify this negative item and XXXX was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to XXXX and Experian and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.
I was an authorized user on a XXXX XXXX Credit card. I was removed on said credit on XX/XX/XXXX and requested that this credit card be deleted from my credit profile immediately. XXXX   provided me with a letter that was sent to and I personally uploaded to all three credit bureaus dated XX/XX/XXXX, indicating that I was removed as Authorized user. XXXX and Equifax stilled refused to remove account from my credit profile. I reached out to XXXX  again asking that another letter be sent on my behalf asking that this account be removed from credit profile immediately. XXXX sent another letter Dated XX/XX/XXXX, and further requested that this account be deleted but still XXXX and Equifax still refused to remove account. I uploaded copeies of all letters to both credit bureaus on the same days XXXX sent them out, so I was assured they received the correspondence. I then called Equifax on XX/XX/XXXX and spoke with Account Manager XXXX ( ID # XXXX   ) and he assured me the account was deleted as of XX/XX/XXXX and said I should buy the Equifax credit monitoring system to check real live updates to my credit report, which I did while on the phone with him. When I checked my credit my report on XX/XX/XXXX the XXXX XXXX account was still showing. I called back on XX/XX/XXXX and spoke with Account manager XXXX ( ID # XXXX   ) who explained that I was giving wrong information and the account is still in dispute status. I explained there is no dispute as I have copies of all correspondence and XXXX has requested several times that this account be deleted from my credit profile. Account manager became rude and stated that I would have to wait an additional 30 days for results because XXXX sent another Request that this account be deleted. I have made every good will attempt to have this account deleted from my credit profile but I continued to be told false information as well as sold products I don't need. XXXX   has also refused to removed the account based off the same reason that each time a letter is submitted to delete an account they must add an additional 30 days which I know to be untrue as I verified with account managers on with both credit bureaus that all letters act only to prove or disprove your request. I am asking that this XXXX XXXX   account be deleted immediately from XXXX and Equifax as it effecting my credit to debt ratio, and prohibiting me from closing on my first home mortgage.
Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX does not show to be a good address for mail delivery. There were no telephone numbers on the file to attempt contact with XXXX XXXX. 
We attach our required verification of the debt. If XXXX XXXX disputes the validity of the charges, and if she will furnish our office what the dispute is, we will open an investigation. 
A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt, not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX, 2015 which they received on XXXX XXXX, 2015 @ XXXX. Not once they they respond and now again I find the charges on my credit report. I want these charges removed immediately until the information I requested is sent to me in accordance with HIPAA laws. I will again attach the original letter I sent them to this claim
I received a notice of XXXX XXXX XXXX dated XXXX/XXXX/16 from Shellpoint Mortgage Servicing. It is impossible for my policy to lapse because the my lender pays the insurance out of escrow and I never called to the cancel the insurance nor did I receive a notice of non-renewal from the insurance Company. On XXXX/XXXX/16 I called my Insurance agent to verify that our coverage had been maintained without gaps. My Insurance agent was not surprised that I was experiencing this sort of problem with Shellpoint, my agent has heard similar complaints from other customers about Shellpoint. I called Shellpoints insurance Department on XXXX/XXXX/16 and spoke to XXXX. XXXX looked at the information they had on file and could not find a lapse in coverage. She could not provide an explanation for why I ever received this letter.
I, XXXX XXXX XXXX, SSN # XXXX, told World Acceptance, which was originally Midwestern Loans, the XXXX XXXX 2011 loan they have under my name and negative on my credit report is not mine. I told them to send me a copy of original contract, so I can prove that the signature on the loan is not my signature and that the loan was not acquired by me and is fraudulent loan. They said XXXX XXXX has the original documents and I have to contact them to get what I need. XXXX XXXX and all three credit bureau 's said the only one that could have the loan removed from my credit report is the original creditor World Acceptance, again originally Midwestern Loans. The loan expires off my credit report in 10 months, but it is not my loan and I want it removed now, before I am forced to take legal action.
This is a correction to XXXX. A Student loan that I was not aware of was being garnished from my wages. I was never notified from the company or employer. I then had a medical issue which caused me to take time off work. I then had to file bankruptcy. I informed ECMC that I was looking in resolving the confusion and that they need to defer or put a forbearance on the remaining balance. They refused and continued with taking my tax refund and then when did return to work and still having the ombudsman involved in looking into the issue with ECMC, I was still being garnished. Even after bankruptcy filing. ECMC took almost {$20000.00}. They never communicated or contacted me. If they knew my employer then they should of sent certified mail there if they continue to say they mailed info out. They did not. Why would I default on a loan when I was paying my original student loan on time and it was set on autopay. They created a more of a financial hardship after the bankruptcy then before it. The amount of the loan and what was garnished are very close and what they said was my remainder balance was wrong. It should of been in a deferred or forbearance to reduce fees and interest.
Hi, On my credit report, there are 4 negative accounts which show incorrect account numbers, balance and charge off. These accounts do not belong to me. Please delete the accounts as these are hurting my ability to obtain financing. 

These accounts do not appear on XXXX  or XXXX. 

I have highlighted the areas in question. If you can not VERIFY that the information belongs to me you MUST remove the items within 15 Days of this notice. If they are not removed we will take your company to court and sue you for defamation and damages. 

Thank You.
I had recently submitted a complaint in regards Ad Astra Recovery Services for an collections account of {$400.00}. The collection company did not resolve my request. Since then they have illegally re-aged and reopened the collections account as of XXXX XXXX, 2017. The account status was closed and marked as a charged off account for the past couple of months. They had threaten me in the past about how they were going to damage my credit and the recent reopening/re-ageing of the closed account which has significantly hurt my credit score in the past week supports my claim of their harassment and illegal practices of bullying consumers. I have taken picture and attached it to this complaint of the account status as of XXXX, 2017 and as of XXXX XXXX, 2017. The change in the account status occurred after I submitted my initial complaint which leads me to believe they purposely and illegally re-aged/reopened this account to hurt my credit score. I feel bullied and treated without any respect. Because of their unethical and illegal practices good/hardworking people like me suffer and our progression towards a stable financial future is impeded.
XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Email : XXXXXXXXXXXX Nationstar Mortgage Account Resolutions XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX XXXX : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, XXXX. XXXX Loan Number - XXXX Complaint/Investigation - Request to Rescind the mortgage agreement Consumer Financial Protection Bureau : The reason for me filing this dispute with your agency is to request an investigation and also contest into the following statements below : 1. The mortgage company failed to disclose, read 15 U.S.C. 78c Section 10, which is a violation of Regulation Z. It is also a violation of the Code of Federal regulations 12 CFR 226.23. 


2. The promissory note " Note '' documents was not sign in the presence of any Witnesses ; and/or notarized by others with the further markings, material to the instrument not until after I originally signed. UCC 8-102. See page 3, mortgage copies of the Note, Ex. A XXXX. I also like to state I never received any signed copies of documents from the company, just unsigned copies. Attach copy of the Note documents, Mortgagor XXXX XXXX Copies XXXX XXXX Respectfully Submitted : XXXX XXXX
opened a Citigold checking account on XX/XX/2016. I opened the account because of the sign up bonus offer I received in the mail. The offer was I would receive XXXX XXXX miles after making 2 bill pays and spend {$1000.00} using my debit card. I called to sign up for the offer and also received confirmation that I have met both requirements. As I have n't seen the miles posted to my account, I sent an email to secured message center and was told I was n't qualified for this offer! How is that possible? I had been told verbally and in writing that the offer is attached to my account. I incurred monthly service fee of {$30.00} and now I 'm told that I do n't get the sign up bonus? How can Citi not honor the promotion that I was told that I qualified for? I have documentation through a secure message where I was told that I had met all qualifications for the offer and would receive the points.
Current Creditor on my file has been denied access to my file due to my Credit Freeze. according to Federal Law any current creditor is allowed access without consumer having to Thaw credit. I called equfax. Employee XXXX in XXXX stated I must first purchase a product before he will Tell me why current creditor was denied. I explained my rights and asked to speak to supervisor. Was only hold 17 min before I hung up. All return calls were answered in XXXX again.
On XX/XX/2014, this debt for { {$250.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
I contacted the credit reporting agency because the collection amount is incorrect. I sent in receipts that should be credited towards the debt and was not given credit for.
I pay bills online exactly the day they are due. Barclay has decided to not accept online payments for my due date after XXXX eastern time which is XXXX for me. This has never been convenient and payments online after XXXX is my standard procedure. This problem is currently occurring and has been an negative issue for several months. I have made this problem known to the company several times and they have responded by refunding the late fees, only to make me pay the amount due and removing the fees from the balance. This method is also inconvenient because I am still having to go over budget to pay the " waived fees ''. I have complained to them about this several times and now they refuse to remove the fees. This problem is well documented within my account and their acceptance of it being a problem is well documented with the refunds.
There had been fraudulent debits occurring on my Chase checking account. Chase refunded money the first time and recommended I close the account. Upon going to close my account, Chase told me my new account was to be downgraded and now subject to a monthly fee and lower interest income so I opted against it. The fraudulent debit has returned under a different merchant name and Chase is putting liability on me. Not only can I not contest, but I also have to pay for a stop payment.
I opened a synchrony bank account in  XXXX    XXXX   with a  6  mo interest free financing option. I paid my first payment in  XXXX  and thought I set up auto payment but did not so in  XXXX  I contacted a male representitative who waved my late fee and helped me set up autopay for the statement balance. According to my email at  XXXX  on  XXXX   XXXX  I was due to autopay the statement balance every month and then at  XXXX  on  XXXX   XXXX  I was due to pay the minimum balance every month. I NEVER changed it and the manager I spoke with today is denying anyone can make changes to my autopay besides me but the male I spoke with in  XXXX  was the one who helped me set it up. I have never in my 17 years of owning a credit card paid a minimum balance so for them to say I set up minimum balance payment is ridiculous. I set it up for statement balance and withi n 7  minutes either it was automatically changed to minimum balance or someone changed it. As a result I had been paying minimum balance for 4 months completely unaware that this was happening and paying an exorbitant interest rate and also lowering m y credit score. T hey are fraudulent. I have paid it all off and closed my account but have told them I am planning on legal charges out of damage to my  credit score. I woul d like to warn others of their fraudulent behaviors and when I google what happened to me they are the first hit for fraudulent behavior. This credit card company needs to be shut down.