WillisBack/dataset-financial-user-claim huggingface dataset:
" XXXX '' called regarding a " personal matter '' and asked for the last XXXX digits of my SSN. I refused to provide that information, and ask what the nature of the call was. She refused to tell me, and said " you must know '' or something to that effect. I told her I had no idea. I did know it is a debt collector, but I do not know for what debt. I would like to settle my debts, but I do not provide SSN information over the phone from people using their first names only and calling to discuss " a personal matter ''. 

She knew it was me because she must have caller ID and addressed me by name when I called. She refused to identify what the nature of the call was, which I did figure out. She refused to tell me anything without having the last XXXX digits of my SSN. She said something to the effect that " I should know what this is about ''. No, I can not read minds.
I had a car loan financed by CNAC from XXXX 2015 to XXXX 2015. I traded my car in for a brand new car. When I traded my car in the new dealer called CNAC and got a 20 day pay off. Not even XXXX days later CNAC sent me emails telling me that I was in collections!! I reached out to them to advise them they will be receiving a check within XXXX days from the new car dealer. The representative was rude and continued to tell me that I was liable to pay. I then advised her that I will not make any more payments because they will be getting a check for the balance in full within XXXX days. I also advised her she was not to contact me at all. They failed to follow my request because they continued to call me when I a advised them not to.
I paid my account off with XXXX XXXX XXXX and have never missed a payment. I paid them off on XX/XX/XXXX, and I made all credit bureaus aware of this once I noticed that this information was being reported incorrectly. I was dismayed to find out this information hasn't been reported correctly and even after providing proof to all credit bureaus of this they have failed to update this information even after being notified XX/XX/XXXX. Please assist.
XXXX I requested my account be closed after paying on time and requesting the final balance to pay and close the account from their service employee. I paid that amount and the agent said they would close the account. 

XX/XX/XXXX I was contacted by another XXXX employee saying I had an overdue balance of {$500.00}. I said tge account was to be closed and I had paid it in full. They said it had n't been closed and this was the account fee. I said that was their mistake and they should close it and not charge me since I had requested it be closed. They said they would close it out. 

On XX/XX/XXXX I was contacted yet again by another XXXX employee saying I owed late fees and over {$700.00} at this point. I had to go over the whole thing again and specifically told them they had better not report any late payments since this was all their mistake. She assured me she had taken care of it and that the account balance would be XXXX and the account finally closed. On XX/XX/XXXXmy account was finally closed as requested in XXXX, however they are still showing a 30 day and a 60 day late payment on my record which is damaging to me and my credit score. It 's incorrect as I never used them a payment much less was I late in it. This incorrect record must be corrected.
On XX/XX/XXXX I called portfolio recovery in an effort to clear this debt from reports. I talked to a representative and a manager about this debt. At this time both reps stated they had no information on their computer system regarding this account, my name, or my ssn. I asked what type of account this was, when it was opened, and original amount delinquent. No one at this company could provide the information. They stated again they had no record of this account. At this time I stated that if you have no record of this account then you also need to take off all my credit reports. They stated sometimes it does not get on computer system right away. I asked how many months does it take, because it has been on there for at least a few months if not more. There was no logical answer. I asked for manager to look for info and call me direct at my cell number, and as of XX/XX/XXXX no call.
I pay XXXX $ to this financial institution for vehicle loan and only half goes towards the amount financed rest goes towards interest. They have caused so much stress on me I may have not payed on 2 time but I payed my late fees on top of the XXXX $ and non of that went towards the vehicle loan. I am a XXXX veteran who has XXXX and this has increased XXXX. Please help I also got email conversations between me and financial company.
on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XX/XX/XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.
Ocwen keeps paying my property taxes and then raise my mortgage payments, my city taxes were due by XX/XX/2017 then there is a late fee throughout the year added well Ocwen decided to pay them by the end of XX/XX/XXXX and raise my mortgage to XXXX now
I have made every payment on my loans in a timely manner. However, my recent payment which was made on XX/XX/XXXX ( in the full amount due ) was not applied to my loans. As such, the account is showing as past due ( the payment was due on XX/XX/XXXX ). I have spoken with the servicer multiple times and they assured me that they would apply the payment from XX/XX/XXXX. However, no action has been taken and my account appears as past due.
XXXX I requested Transunion to correct inaccurate information on my credit report. To correct my date of birth DOB. 

Transunion reports it as XXXX and I submitted a request letter with Naturalization certificate ( copy ) XXXX XXXX and XXXX with same DOB. 

In XXXX 2015 I called to TU to find out if they updated my DOB. They did not. 

The woman on TU end asked me to resubmit this request all over again. 
And attach etiher XXXX copy of DC DL. 

On XXXX I resubmitted my request with XXXX mail. 

I attached request letter, and copy of DC DL with birthdate XXXX. 

To Date I did not receive confirmation from Transuion about it. I called to TU last week and asked if TU pdated my DOB? The TU said that they did not update it because they need another letter from me with another copy of DCDL. 

It became endless and I ask for your intervention please to help me with update of my correct date of birth. 

If Transunion is not in business to do credit monitoring, maybe they should sell apples and oranges on the street? 

Please help!
A request was submitted to have my information updated by this Bureau on several occasions, my personal information has not yet been updated properly. I submitted all documentations to prove that my request was valid, i also uploaded a copy of how my information appears when i do check my report. Below indicate exactly what my request was. 


Date : XX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX To Whom it may concern : I am writing to update/correct my personal  information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Please update my name to : XXXX XXXX XXXX XXXX, as it is on my social security card, XXXX and XXXX are two middle names please update. 

My only social security number is : XXXX. 

My only and correct date of birth is XXXX. 

MY only employer is : XXXX XXXX. 

I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses of my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence
- Company : CoinBase - Website : www.CoinBase.com - Contacted company : Yes ( Unresolved ) - Emailed and called numerous times - Date Occurred : Approximy XX/XX/XXXX* - Problem : I bought XXXX LTC on XX/XX/XXXX. On the ninth day of the transfer, I got noticed that my transaction was canceled for an unknown reason. Since then, I lost full access to my cryptocurrency wallet. 

Respectfully, CFPB User
To whom  it may co ncern, After carefully reviewing my equifax credit report i notice   XXXX   have  XXXX  accounts with the same balance amount of {$9900.00}, same dates and late payments which mean  XXXX  is reporting the same account 2 times on my equifax credit report. I am requesting my credit report is updated with the correct information or send me my loan documents showing i owe navient {$9900.00} for  XXXX  accounts.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX   XXXX
My FHA mortgage loan is currently serviced by Chase Bank. Since I am elderly and very sick, I have advised Chase Bank that I want to proceed with a short sale. Chase Bank has refused to process my short sale documents, stating that they are going to proceed with foreclosure on XX/XX/XXXX. Chase Bank is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the short sale with transparency and clarity per the National Mortgage Settlement of XXXX. Chase Bank has refused to cooperate and is proceeding with foreclosure action on XX/XX/XXXX.  Based on the violations listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
To whom it may concern : I had file Chapter XXXX  Bankruptcy back in XX/XX/2008 due to my XXXX XXXX business venture. For the last 10 years I had lost so much opportunity grow any business due to this obsoleted information. Please help me to remove this public record out since it had passed 7 years limitation.

Thanks,
I have shown the credit bureau documents of proof of these items that either are now closed out or paid in full that should not be on my credit report but they are failing to do there job properly. I also asked to get the information that they used phone numbers etc and I have not gotten any of that information still. It 's like they let the computer do the work and they do n't get anything done accurately. And the XXXX different collection agency did some illegal stuff with the dates and I advised them of this and they still did nothing. Representatives are rude and try to rush you off the phone barely willing to help
Original Debt Collector GreenTree Servicing LLC signed a note with us for a reduced debt to be collected with the promise we pay back this debt monthly with no interest ( $ XXXX ). We 've paid this debt continually and on time for 3 yrs. until they sold the debt to XXXX XXXX XXXX XXXX ( XXXX ). XXXX claims they did not receive any paperwork of the reduced debt and are now trying to collect the whole sum. I 've sent them the note ( notarized ), I 've sent all my bank statements as proof of uninterrupted payments. THEY still do not believe me. I 'm exhausted with 7 months of this go around. They state GreenTree will not communicate the debt to them. We are stuck in the middle. It is not our problem that GreenTree sold them a debt that they did not confirm.
I CONTACTED EQUIFAX TODAY XX/XX/XXXX, AND DISPUTED INACCURATE INFORMATION ON MY CREDIT REPORT RECEIVED USING XXXX UNDER EQUIFAX REPORT, THAT SHOWED MY XXXX CARD AND XXXX  CARD WHICH ARE CURRENT ACCOUNTS, AS CHARGED OFF ; WITH INCORRECT BALANCES ; INCORRECT MONTHLY PAYMENTS ; INCORRECT DATES OPENED AND UNDER THE COMMENT SECTION SHOWING A STATEMENT OF CHARGED OFF IN XXXX. 
WHEN IN FACT THE ACCOUNTS ARE OPEN AND CURRENT, PAYING AS AGREED. EQUIFAX STATED THAT THE INFORMATION I RECEIVED IS NOT SHOWING ON THEIR END AND THAT I CAN NOT DISPUTE THAT INACCURATE INFORMATION. I REQUESTED TO DISPUTE THE HARD INQUIRIES LISTED ON MY REPORT FROM XXXX AND WAS REFUSED BY EQUIFAX TO DO SO. I INDICATED THAT I DID NOT AUTHORIZE THE COMPANIES ACCESS TO MY CREDIT REPORT HOWEVER EQUIFAX DENIED ME THE RIGHT TO DISPUTE IT WHEN I HAVE THAT RIGHT. AND EQUIFAX REFUSED TO INDICATE WHERE ON MY CREDIT REPORT UNDER MY RIGHTS IS IT LISTED THAT I DO NOT HAVE THE RIGHT TO DISPUTE THE HARD INQUIRIES. I AM REQUESTING ALL INACCURATE INFORMATION ON MY REPORT BE INVESTIGATED AND THE HARD INQUIRIES REMOVED DUE TO FRAUD, AS I DID NOT AUTHORIZE SUCH INQUIRES AND THE INQUIRIES ARE LISTED AS FOLLOWS : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX MI
I have been receiving call repeatedly with threats of lawsuit. In the past I asked for written documentation, which they have failed to send. They have contacted family members who do not live with me. Very abusive messages. When I have talked to them, they are verbally abusive. I do n't like to respond b/c I do n't want to give personal information over the phone. I ca n't clearly understand the company they are calling from, which makes me more suspicious. I would send a letter asking the calls to cease, but I do n't want to let these people scam me. I am very scared. The numbers they have called me from are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.
XXXX   XXXX  closed my account on  XXXX   XXXX ,  XXXX  with a charged off status and balance remaining. It showed this status with  XXXX  but on  XXXX  showed the account was still open. After disputing for inaccuracies with  XXXX  in  XXXX   XXXX ,  XXXX   XXXX  removed the account completely from  XXXX . When I got an updated report in  XXXX   XXXX  from both credit bureaus, a  XXXX  party agency showed up on   XXXX   by the name of  Deville Asset Management, but  not on  XXXX . Now while I understand that a lot of times creditors report to  one Bureau b ut not the other, or sometimes the information might not show up identical on each report, if a creditor has " closed '' the account, then that means it is closed. Not half open-half closed. It is either closed, or it is n't. I am also under the impression  XXXX   XXXX   may  have " sold '' my debt, but did n't do so for nearly 3 years, until I " stirred the pot '' with the   XXXX   inaccuracy dispute.
My identity was stolen to open a credit card with Barclays Bank Delaware. The app was approved via online and an immediate balance transfer was initiated. The problem is this balance transfer deposited into my active credit card. Therefore, Barclays bank deemed this transaction of balance transfer valid. However, my ID was stolen and used to open a credit card with Barclays ; this in itself is already ID theft, a fraud. The investigation by Barclays bank Fraud department is a joke. They do n't care about the pain and victimization of identity fraud. Their investigation is a disgrace to the protection of the consumer of identity fraud.
I applied for a loan modification ( XX/XX/XXXX XXXX, when I got the option back it was {$60.00} more than I was already trying to pay and more than I could afford, as my husband had become unemployed. I tried to contact them ( XX/XX/XXXX ) to let them know our situation changed and that I needed to reapply. But I could not get thru I had to leave a detailed message. I never did get a reply back. I continued to try and pay as much as I could. I called again ( XX/XX/XXXX ), to ask about doing another loan modification after my husband got a job. Then they denied a loan modification ( XX/XX/XXXX ) as I rejected the previous one. I also got my statement and noticed a few of my payments were either applied a month after received ( received XX/XX/XXXX applied XX/XX/XXXX ) or not at all ( XX/XX/XXXX ). So I saw I am 5 months behind, when I am only 3 ( a payment XX/XX/XXXX probably received after notice sent ). I tried to call again, to get that fixed and to question about the denied modification, and After being on hold for 10 minutes I had to hang up.
XXXX XXXX is reporting an open account on my XXXX and Experian in the amount of {$2000.00} that does not belong to me. 

On my credit report XXXX XXXX shows this alleged debt was sold to a collection agency and both XXXX XXXX and the collection agency are both trying to collect double on what appears to be fraud. 


I do not have any open accounts with XXXX XXXX and this needs to be removed from all 3 Credit reporting agencies immediately, XXXX XXXX is sending the credit bureaus inaccurate information which has caused me to be denied loans and job employment
My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : -  XXXX  thru   XXXX   XXXX   ; -  XXXX  thru   XXXX   XXXX  .     I have written to the lender many occasions and have not received a response.
I have a 60 month loan fro m Carmax f or my   XXXX   XXXX   XXXX  , which was opened in Georgia in   XXXX   XXXX   XXXX  . This loan is in good standing and is in fact more than paid off in terms of the equity outstanding on the loan than would have been due at this tim e (   XXXX   XXXX   XXXX   ). T here are however late payments being reported to   XXXX   and  XXXX  alleging late payments in   XXXX   and again in  XXXX  even though the loan is in good standing. These allegations are hurting my score and I have repeatedly asked the credit unions to remove these.   XXXX   has removed them a couple times to ensure fairness but unfortunately they keep re-appearing on  XXXX .  XXXX  has not removed these items at all. These need to be removed forthwith from both   XXXX   and  XXXX  and   XXXX   too, although I am not sure the status on  XXXX .  Carmax give s the run-around and refuses to deal with the issue. My loan is in good standing and I should not have alleged late payments from the past hurting my scores. I ask that  XXXX ,  XXXX , and  XXXX  be instructed to remove these from my reports.
In XXXX XXXX I contacted the Dept. of Ed Ombudsman to make a complaint against XXXX XXXX as I continued to have issues with getting my loans consolidated and my repayment applications processed. I also received conflicting information from the customer services reps in attempts to get this resolved. I was contacted by a rep in XXXX ' escalation department and began working with her. 

In XXXX XXXX I submitted an application for a loan consolidation for two loans being services by XXXX to be transferred to XXXX XXXX as they service my other four student loans. At the same time I submitted a 2nd repayment application under the REPAYE option as the first one submitted in XXXX was erroneously rejected by XXXX XXXX Both the consolidation and the REPAYE application were processed and approved on XXXX/XXXX/XXXX and I received a letter indicating such. All 6 loans were consolidated under XXXX XXXX and my payment of {$260.00} was to begin on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made a payment of {$260.00} to be applied prior to the first due date. Since then I have had to contact XXXX five times in the month of XXXX as they have misapplied my XXXX/XXXX/XXXX payment -- only applying it to XXXX loans and reporting the other 4 as delinquent. The escalation rep twice ensure me that she was making updates to the system that will fix it and it still has n't occurred. My loans are reportedly consolidated but XXXX is only applying payment to 2 of them and reporting the others as delinquent. They indicate all of these internal repayment reapplication requests that they 're making but it is still incorrect. This is affecting my credit as it 's being reported as such. Also, I have the right and the option of repaying my loans early and the payments should apply across all 6 consolidated loans. This is apparently discouraged by this loan servicer, and it creates huge issues every month.
XXXX XXXX accused my father of being senile and not remembering walking into a loan company and taking out a loan. They threatened to take him to court and spoke to me abusively and disconnected the call. When I explained this was a mistake and not to accuse my father of something he did not do, the representative said my father was guilty until he can prove he did n't take out the loan. I was also accused of crying, which I was n't. The representative spoke over me, made threats and hung up. My father is XXXX years old, but not senile. However speaking to a person with such tactics would very likely cause harm to my father 's health.
When viewing my   XXXX       XXXX   XXXX  , 20 17 cr edit report under : report-summary > account-summary >    XXXX   I s ee I have a total  :   XXXX    open account  XXXX  collection accounts Time since negative : Never This I found very misleading as it says, the time since the last late payment or other negative event was posted to my credit report is " Never '' I continue to Accounts > Open-accounts > pg.3 to se e my CapitalOne account Status : " Negative '' The same page also states "  XXXX  has no closed accounts on file for you as  of   XXXX   XXXX   2017 ''  Finally I reach the Account-details Tab Where my Capit  al One account is reflecting a 60 day past due payment ; so now I 'm really confused!
CapitalOne never reported any missed or late payments previously yet my account Status is negative showing late payments and in the same report  XXXX  reported that " The amount of time that has passed since the last late payment or other negative event was posted to your credit report '' is " Never '' I feel the information being provided to me as a consumer in regards to my credit report are false and misleading.
I 'm providing a copy of my Capital One payment history. Along with my credit report, as I have viewed at  XXXX
In my review of my credit report on XX/XX/2018 Hunter Warfield is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Hunter Warfield is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.