WillisBack/dataset-financial-user-claim huggingface dataset:
I found that one of my payments to your account have been labeled as late on my credit report. These missed payments were due to : Lack of information provided by One Mains XXXX XXXX branch. A payment did not go through on my checking account. When I checked the website to see my balance a week or two later, I noticed the payment did not go through. The following day I went to their office and I was told by One Mains XXXX XXXX branch that it was an error on their part and that they listed my account as a Checking and not a Savings account. I was told by simply switching the account information on file from a checking account to a savings account the payment would go through. It failed to go through again and once again was not informed as well as I see necessary. The account went thirty days past due, So i made a phone call to One Mains customer service line. They told me I needed a certain form from the branch I used to file a dispute. When I tried to talk to them about possibly filing a dispute and asked for the letter that customer service told me to ask them for, they were extremely rude and unhelpful at the XXXX XXXX branch and said no such form existed. I called back to customer service and the customer service representative I spoke with even told me they had a history of Not doing their job at that Branch. 

I have had 100 % payment history on all other accounts and until this error occurred was always on time with my One Main account. Since the late payment occurred for the above justifiable reasons, please correct the payment history at any credit bureaus that carry the history of my account with you, Including, but not limited to : XXXX XXXX XXXX It is imperative that my credit score reflect the good business relations I have maintained with all companies in the past. The corrections to the report will make it more representative of my financial habits. I sincerely hope you will not take into consideration my oversight with these late payments which, I assure you, will not occur again. I look forward to continuing our relationship and maintaining good financial habits.
I checked my credit report and saw fraudulent accounts XXXX  opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX/XXXX opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off. Also my address is incorrect. It should be XXXX XXXX XXXX XXXX. XXXX NC XXXX and my job isn't XXXX it is XXXX XXXX.
I received a phone call multiple times in the last week to my place of work by a woman from XXXX XXXX. She was calling from XXXX. She was rude, threatening and has continued to call my work even after I have asked her to stop. She claims to be from Mobiloans.
I received a collection notice from EOS CCA in XX/XX/XXXX to XX/XX/XXXX claiming I owed a debt to XXXX XXXX XXXX for {$150.00}. The debt was reported to XXXX and XXXX. I disputed this debt through XXXX and XXXX claiming the debt was not mine around the same time I received the notice of an attempt to collect a debt. I have never received services from XXXX or XXXX at any point. EOS CCA did n't respond the inquiry and as a result XXXX removed the debt. That was around XXXX XXXX to XXXX XXXX. I thought this was resolved. Now, fast forward to XXXX XXXX and I am receiving a notice of collection placement from EOS CCA again stating they are attempting to collect a debt for {$150.00}, which is the same debt I successfully disputed and had removed from my credit reports. I need help with resolving this matter.
I call in monthly to make my payments over the phone. When I first began with this method, I realized quickly that I was constantly showing an overdue balance each month as a result of unpaid loan balance on a second page of loans that I was unaware of. As soon as I was aware that I had two separate pages of loans, I requested each time I called, to have my payment processed towards both pages of loans so as to avoid any late fees. 
They have repeatedly told me that they see this request in their previous notes, and that this should be done automatically by all employees, yet I am still having the same issue. I am forced to check my statements more than periodically and constantly afraid of missing another error. They seem to use this as a tool to coerce me into an auto draft plan which I am not interested in.
The  XXXX  credit companies that are  XXXX ,  XXXX  and  Trans Union are sh owing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.
I am in the process of getting approved for a remodification for my home and I have setup an automatic payment for my home dated for XX/XX/2017. However, today, XX/XX/2017, I had to manually send the payment of {$4400.00} to the Loan Servicer SPS Financial because they still had not debited my account for the agreed amount.
My credit card with CARE CREDIT gave me six months with 0 % interest. I made all of my payments on time, in fact before the due date. After the six months, I was billed for the interest that were supposed to be 0. I called and was told by the agent at Care Credit that they saved the interest in a bucket and just added it to my bill at the end of six months. THAT IS DECEPTIVE. They clearly told me six months of no interest
I have an account from XXXX on my credit report that I disputed because it is 8 years old now. XXXX found in my favor and removed the negative account from my credit report. XXXX dispute somehow says that the debt is still valid. Somehow after 8 years, XXXX is still renewing the date on this debt and it 's still reporting the last being in XX/XX/XXXX. How can XXXX keep reissuing the date of this debt as of it is new when the original date was in XX/XX/XXXX?
Commonwealth Financial is a collection agency. The placed a major derogatory collection account on all three of my credit reports for {$1000.00} for some unknown medical fees. I contacted them via letter requesting all information concerning alleged debt, such as who the original creditor is, address, contact info, etc. All they could provide to me was their own computer print-out with no description of any kind as to what services were provided and by whom, and no other information whatsoever. The supposed services were from XX/XX/XXXX. I contacted them again by phone on XX/XX/XXXX and spoke with " XXXX ''. He could provide no further information, saying only that the medical group or original creditor had written off the amount a few years ago and that XXXX XXXX was now the owner of the written-off debt. I was then told I needed to file an ID theft complaint and a police report. I did that and faxed it to them. Commonwealth and XXXX XXXX are notorious shake-down operators that attempts to extort money from persons by damaging their credit until you pay them off. They should be shut down and put in jail.
Mortgage originator sold my mortgage to U.S. Bank, I had already made my first payment to Mortgage XXXX, the originator, the next payment is due to US Bank, which I could not setup an electronic payment for the first payment, hence my need to send a check. Although payment is due on the XXXX it is not considered late until the XXXX. I mailed a check on the XXXX of XXXX and on the XXXX of XXXX I received a call from US Bank 's collection department looking for payment, a payment which was already sent! As I understand, the law states a creditor must provide a letter in writing if a customer is delinquent, as I have already made my payment and am still within the grace period why I am being harassed by collections? I suffer from XXXX and had a severe XXXX XXXX because of this call!
I need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX
TODAY, XX/XX/XXXX, FOR THE FIRST TIME I APPLY FOR A CREDIT REPORT AND MAKES QUESTIONS OF ACCOUNTS FOR XX/XX/XXXX LIKE XXXX CARD, CARS ACCOUNT ETC, WHEN I JUST HAVE XXXX YEARS I LIVE WITH MY PARENTS AND I DO NOT HAVE CREDIT CARDS OR AUTO, WHAT I CAN DO AS I UNDERSTAND THAT SOMEONE HAS STOLEN MY IDENTITY
I saw a doctor on XXXX XXXX, 2016. I was never billed, nor did I owe any sum. The doctor had my correct billing address. State Collection Services sent a collection letter to my father 's address for {$25.00}. I received recorded phone messages, even when I actually answered the phone, making me believe this agency was phishing and it was a scam. I confirmed twice with the provider that that fee was already settled, that I owed nothing. State Collection services told me, falsely, today, that the provider would not know if the fee was still owed because their account would be closed. On a previous call, they told me they would contact the provider. They did not do so. The provider confirmed today that they never work with State Collection Services and that this likely a scam. State Collection gave their phone as XXXX. Their mailing address is XXXX XXXX, XXXX, WI, XXXX, their physical address is XXXX XXXX XXXX XXXX, XXXX, WI, XXXX
I receive a notice that my credit was pulled by Network Capital today through Equifax Mortgage. I did not authorize Network Capital to pull my credit. I applied for a loan with them and they told me that they could net help me. I applied with another company and I am closing on my loan in a week. They pulled my credit report on XX/XX/2017 without my authorization and brought my score down by XXXX points. I already contacted XXXX because I have an active fraud alert. Please enforce and stop that company from pulling people 's credit report without their authorization. I read online that they are a repeat offender. I did not authorize and will never authorize them to pull my report. Never.
In XX/XX/XXXX, I purchased a home with my husband. In XX/XX/XXXX, I moved out and never went back. In XX/XX/XXXX, upon our divorce, he kept the house & continued living there all these years. He refused to refinance the loan to remove my name, despite my many attempts to convince him. In XXXX XXXX, he stopped paying the mortgage, and I was informed by Chase a few months after that. For 3 years, I have been in contact with Chase, I have done everything I possibly could to fix the situation, but my ex-husband refused to cooperate in any way. I 've had many conversations with Chase regarding the loan, and have asked for their advise about what my options were. No one ever gave me any suggestions, other than the options I had already explored. Without my ex-husbands cooperation, I was basically stuck. Finally, after 3 years, they finally moved forward with the sheriff 's sale XXXX XXXX, & the property reverted back to the bank. After all that time, this has had a severely negative effeft on my credit, and I was powerless to fix the problem. When the account was finally closed, I wrote a letter to Chase ( copy uploaded ) requesting them to please remove this from my credit, and they refused ( copy uploaded ). The negative impact this has had is now effecting my daughters opportunity to attend college. Today, XX/XX/XXXX, I received a certified letter from Chase ( copy uploaded ) that states that they have secured " my '' property to prevent damages, and they will maintain the property. It also states that any they would assess any costs to " my loan ''. When I called Chase to ask about this letter, I was told to disregard the letter. My concern is that I do n't own this property anymore, so how can they continue charging me for maintanence fees. And disregarding the letter, could come back to bite me later on, when they send me a bill. Which I will not pay, but they can then put on my credit as yet another derogatory account. My credit has been destroyed so much so, that I cant help my daughter get student loans to go to college. Chase is unwiling to acknowledge the fact that I had no legal recourse on my own, without the cooperation of the other party on the loan, and now they are threatening me with additional costs for a property I no longer own. Considering how much your credit score can effect your every day life, and how hard it is for consumers to fix mistakes & misinformation, I would think that companies, especially ones like Chase, would be a little more responsible with their actions. I find it offensive that companies can randomly say they are owed payments, send you to collections, and ruin your credit with the flick of a pen, and we the consumer, have to pay a credit reporting agency to get an actual score. I think the rules are stacked against the consumer, when it should be the other way around.
I am writing this letter in regards to the complaint case number XXXX ( Citi bank fraud complaint number reported to XXXX XXXX XXXX which I filled on XX/XX/XXXX. In which Citibank/ Sears have issued a credit card to someone under my credentials back in XX/XX/XXXX, which has a due of XXXX and was never paid off. It has started to bring my credit score down to subsequent level. 
I have never opened any account with Citibank/ Sears and either me or, someone related to me have never received any goods of services from this account. So I request you to close this account and inform all three credit bureau 's immediately. Since because of this fraudulent account mortgage banks are charging me high interest rates then they would have charge me otherwise. 
I have already filled the police report for the following incident with the case number XXXX. I have already signed and send the documents they requested a week ago I want bank to proceed quickly in resolving this matter since its costing me to pay more money to get home loan and I have been spending lot of hours to get this dispute corrected. If this gets pushed beyond XXXX XXXX and my mortguage bank charge me additional interest rates then they would have charged otherwise I would be pressing those charges against Citibank/Sears because I am not responsible for this. 
Please feel free to contact me anytime at XXXXXXXXXXXX or XXXX XXXX XXXX if you have any questions or need more details
This is another in a series of charge and account discrepancies on my account levied by Ocwen.  

From: XXXX XXXX 
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX  XXXX
Subject: XXXX XXXX, Loan XXXX, XXXX -XXXX XXXX

Thank You for providing a breakdown of the outstanding miscellaneous fees on the account.  I do have to point out more discrepancies and errant charges similar to the ones recognized on my escrow advance.

Highlighted below, why am I being charged for foreclosure fees and title reports last year.  The loan was still in an unemployment modification at the time and is currently not in foreclosure.  I was unemployed from XX/XX/XXXX-XX/XX/XXXX.  Ocwen was well aware of my situation at the time and actually started a second modification review process when the first modification ended.  Since regaining employment in XX/XX/XXXX, I have repeatedly been denied the opportunity to make payments and start a long-term repayment plan.  

I want to reestablish recurring payments, keep the house and rebuild my credit.

Please removed these charges from my account when determining my long-term repayment plan that I have repeatedly asked for.  

Date Description Amount
-------------------------------------------------------------------------------------
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX 
XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXXXX/XX/XXXXProperty Inspection $XXXXXX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX 
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXForeclosure Fees $XXXXXX/XX/XXXXTitle Reports $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Valuations $XXXX 
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Inspection $XXXX
----------------------------------------------------------------------------
Total $XXXX

Thank YouXXXX XXXX XXXX
Good afternoon, This is in regards to the fees from XXXX XXXX XXXX XXXX University from the Spring and Fall of XX/XX/XXXX which I did not attend.

In Fall of XX/XX/XXXX I transferred from XXXX to XXXX. It was my first time attending a private college and I was working full-time. 

Unfortunately, I was working as a XXXX at XXXX XXXX XXXX XXXX  and the XXXX was going through a high turn-over and was under new management. XXXX XXXX XXXX XXXX  XXXX were unable to work with my school schedule and I had to drop out mid-fall semester XX/XX/XXXX. I never returned to XXXX. 

However , XXXX XXXX and I had email correspondence prior to the beginning of Spring XX/XX/XXXX Semester in hopes of returning. I had added courses in that attempt. XXXX XXXX advised me that I would not be able to attend the classes I selected because I did not have the prerequisites ( XXXX courses ). I followed up with a phone call at the time as well. I was then unable to drop these classes that I could not take because there was a hold with the health clinic due to vaccinations of the XXXX shots. I did not have the money to pay for these vaccinations. 

I am now in XXXX dollar debt because of this situation. 

I called several staff members of the XXXX system asking for help to clear this. Some replied others never did. I was able to get a female advisor in financial aid to assist me somewhat. I was told that I needed to come up with proof in order to remove these fees from my XXXX   record/credit. The proof was that I show XXXX that I notified someone of my work changes in schedule. 

I have spent the last three years trying to resolve this. I have sent them countless emails to advice they are charging me for classes I never attended and that I could not drop these classes due to the holds on my records. 

I am unable to access emails from XXXX XXXX and other professors discussing the fact that I will not be attending and emails from XXXX XXXX XXXX on campus stating I had a hold on my records. These emails were erased from my XXXX email account as time goes by. 

XXXX XXXX has helped me but Great Lakes is stating that I owe XXXX approximately XXXX dollars. 
I did not attend Spring XX/XX/XXXX. I do not understand why the teachers would continue to bill if I was not there for the first day of class as I was told that I did not have the prerequisites per XXXX XXXX. 

I have forwarded you all the emails I could find on my personal email account to support what I am saying. Please help me. 

Thank you for your time. 


XXXX XXXX XXXX XXXX regards, XXXX XXXX
XXXX XXXX XXXX is harrassing and placing false information on my credit report after numerous attempts to get this matter resolved. Statuses of limitation shows they can only legally sue within 7 years of delinquency. They are reporting incorrect information such as dates and revolving amounts which are hurting my chances of purchasing a home. The predatory rates for a military affiliate are killing my chances of living an American dream and killing my future. This company refuses to be compliant and work with an XXXX individual. This company refuses to validate the debt and send documents requested. I have the right to request verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also like a copy of the Tax Registration Certificate! The company refuses and they are rude and biligerent when you are trying to communicate.
I am a victim of identity theft. The thief has my SS, DOB and address. With this information, the thief conveniently called the credit reporting agencies and was able to place a fraud alert on my file and CHANGE THE PHONE NUMBERS on my account. I am SHOCKED that the credit reporting agencies allow a phone number that has been in use for 20+ years to be changed that easily and NONE of the agencies notified me of a change to my contact information. THANKS to the Credit Reporting Agency changing my phone number, the fraudsters were able to buy a car in my name with the Car Dealership contacting the FRAUDSTER at the number they had provided to the Credit Reporting Agency, i.e. Equifax. The credit report supplied to me by the dealership clearly states to contact the consumer at a fraudulent phone number to verify the application for credit. With increased sophistication of FRAUD, Equifax, XXXX, and XXXX CLEARLY NEED A NEW METHOD of verification besides SS, DOB and ADDRESS. Perhaps a good called ID would be a good investment.
DiTech is my loan servicer. I have been over the 15 day grace period and charged a late fee. When paying the full payment plus the late fee after the 15day grace period they provide zero options to pay the late fee or put notes for the overage to be applied to the late fee. They keep putting the overage on the escrow or principle balance instead of the applying to the late fee. They claim the process is to call in and have them re-apply to late fee after the payment is made on line. Even after calling them to verbally have the overage re-applied to the late fee they do not provide any confirmation number and they still don't re-apply the overage. This has happened on several occasions. If a mortgage company is to take online payments I find it concerning they do not offer the ability to pay a late fee, and when calling them, it is still not re-applied.
See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
I have sent many letters in regards to errors on my credit reports .... They have not responded to my request ....
On XXXX XXXX, XXXX XXXX has listed a hard inquiry on my credit report from discover card. I tried to contact them via phone and computer website will not load and i would be on hold until call is droped.
Today XX/XX/XXXX I was reviewing my Amazon card transactions and noticed that every month I have been charged seemingly random amounts for " card security. '' I called and the customer service rep said it was an insurance program. I NEVER agreed to or signed up for this. She agreed to refund the last three charges, but I am concerned that there are more charges that I can not see as my transaction history available on their portal does not go past XX/XX/XXXX. The charges are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX is as far as the website provides for transaction history.
Experian is reporting wrong information regarding credit inquires that I did not authorize. Experian is the only credit bureau reporting this information.