WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have a mortgage with City National Bank. I have had the mortgage since XX/XX/XXXX. I am complaining about unfair business practices by City National Bank. on several occasions between XX/XX/XXXX and XX/XX/XXXX I had to pay my mortgage at the end of the month because of financial difficulties. I would walk my payment into a branch and have it posted to my account for that month. While it was well within 30 days of when it was due the bank would fail to finally post it to my loan for several days after which would ultimately result in a late mark on mine and my husbands credit. Often times, the bank was in receipt of the funds in their account for the mortgage payment but they would still fail to post it to my account. When I realized they were doing this I provided them with stubs from the bank showing the payments were posted before the 30 days at the branch and that they had already taken out the money for the mortgage payment. They responded that they have up to 5 days to post the money to the account and that paying it at the branch did not qualify as a " posting '' even though it was stamped as posted in the branch. I believe that I was well within the 30 days when I made my payments and that they continued to mark my credit several times because they had an internal posting process that caused a delay on my account.
I disputed a collection that hit my credit report to Equifax on XX/XX/XXXX. It is from XXXX XXXX for a XXXX bill for {$150.00}. I have filed a complaint with the company as well. Equifax responded back on XX/XX/XXXX stating the account is verified. How? I have an account with XXXX and still have cable so this information is wrong. Ive had multiple companies try to put this XXXX account on my credit. I was given no notification that this would be back on my credit. Nothing had been sent to me regarding how this information is correct. This account is not mine and it has not been validated
Action Collection Services INC. is reporting a collection account ( XXXX XXXX XXXX ) on my XXXX Credit report that is not mine and they are damaging my credit with this. 

I contacted Action Collection Sevices Inc. on XXXX ( attached : original letter to Action, & certified mail delivery ) asking them to send verification of the debt with in 5 days. By law a collection company has to verify any debt the consumer asks to verify.They still have not. They responded with a letter stating they can not locate the account ( attached : Action response letter ) I gave them all information needed to locate said account, obviously they are misreporting information to the credit bureaus and damaging peoples credit.
I have been under active review with this lender for over two months. They have placed my sale date on hold in the past. The underwriter requested further information from me which I provided to them within 5 business days. After calling to make sure they received the information from me, they informed me that they received the documents and that I was in active review but that the sale was still moving forward on XXXX/XXXX/15. I believe that this is dual tracking as they have had a complete file but the underwriter needed another bank statement, which I in fact provided in a timely manner. There is already an opening bid for my home. They are not giving me options to foreclosure. Their tactics are underhanded
I received XXXX different letters from a company called Debt Recovery Solutions LLC ( XXXX ) with a name of the recovery specialist XXXX XXXX and each letter states that I owe {$100.00}. I thought was the same letter but repeat, when I called to pay the rude people that answered the phone never gives the specifici information and they only say that I have XXXX differn accounts that I owe for XXXX hospital when my debt with the hospital was only aprox. {$100.00} ( and I have trhe proof ). The person mention in the letter does not exist, that is what the last person that took my call said. The {$300.00} they are tring to collect is not true and this company nevers wants to be specific when I called and ask for the account.
Wells Fargo has been taking my monthly payments and applying these payments to my Chapter XXXX. Why I Say as I am now in the hole due to their taking money that should have been applied as payments to my mortgage and not my ChapterXXXX.
This debt has remained on my credit report for months after it was paid off. The collection agency responsible for removing this from my credit report has even written a letter stating they would take the debt off my report but as of yet they have not. I want this debt removed. I long ago paid exactly what these people asked for and they are still not removing the debt. I am tired of my credit suffering because of their inability to conduct business in a timely manner. The collection agency is Pro Collect in XXXX.
I just checked my credit report and I have Inquires I do not recognize on my Experian report. if possible, I would like them all removed. alot of them were unauthorized. if you can solve this issue it would be Great. Thanks
My name is   XXXX   XXXX   and I had a loan with HSBC Mortgage Services which was recently sold to   XXXX   XXXX  , I was in a  XXXX  BK from  XX/XX/XXXX  to  XX/XX/XXXX , which I completed my  XXXX  and was discharged by the courts.
I this year applied for a Refinance thru the HARP program in  XX/XX/XXXX   a nd was approved pending all documents submitted per request of  XXXX  and I have submitted every document that was needed except for the 24 month payment history I needed from HSBC mortgage, I have called, faxed and repetitively requested a complete 24mo pay history and in the 7 responses I have received there is always 6 mos not reflecting as part of my pay history but reflects 6 mos deferred to the back of the loan without any reasonable explanation as to why or how it is showing that. I have requested that a letter of explanation please be forwarded me in detail the reason it reflects 6mos deferred and why there is a gap not reflected on my payment history ... ... in my  XXXX  XXXX  pay schedule I pad arrears in the amount of {$1400.00} paid in at 100 % thru my BK to HSBC so I 'm confused as why there would be a need to defer 6 payments to back of loan if I paid my arrears and I was never late during my  XXXX  XXXX  period.
I need some help on figuring this out.... .PLEAS
The following inquiries are not mine and I have previously disputed with the credit reporting agency. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the following accounts to ascertain validity and accuracy with ALL 3 Credit Reporting Agencies. These are the accounts that i feel might be  reporting on my credit files inaccurate and should be removed for this inaccuracy. 

XXXX/XXXX  {$6300.00} XXXX {$5800.00} XXXX XXXX XXXX/XXXX  {$8500.00} XXXX XXXX XXXX/XXXX {$14000.00} XXXX XXXX XXXX/XXXX  {$4600.00} XXXX XXXX XXXX/XXXX {$18000.00} XXXX XXXX XXXX/XXXX {$24000.00} XXXX XXXX XXXX/XXXX  {$7400.00} XXXX XXXX XXXX/XXXX  {$39000.00} XXXX XXXX XXXX/XXXX {$17000.00} XXXX XXXX XXXX/XXXX  {$2600.00} XXXX XXXX XXXX/XXXX {$3500.00} XXXX XXXX XXXX/XXXX {$1200.00} XXXX XXXX XXXX/XXXX {$300.00} XXXX XXXX XXXX/XXXX {$2800.00} XXXX XXXX XXXX/XXXX {$250.00} XXXX XXXX XXXX/XXXX  {$1500.00} XXXX XXXX XXXX/XXXX {$3000.00} XXXX XXXX XXXX/XXXX  {$3400.00} XXXX XXXX XXXX/XXXX  {$5600.00} XXXX XXXX XXXX/XXXX  {$610.00} XXXX XXXX XXXX/XXXX  {$8600.00} XXXX XXXX XXXX/XXXX  {$5600.00} XXXX XXXX XXXX/XXXX {$760.00} XXXX XXXX XXXX/XXXX  {$3500.00} XXXX XXXX XXXX/XXXX {$8300.00} XXXX XXXX XXXX/XXXX {$8500.00} XXXX XXXX XXXX/XXXX {$2100.00} XXXX XXXX XXXX/XXXX  {$2700.00} XXXX XXXX XXXX/XXXX {$8500.00} XXXX XXXX XXXX/XXXX  {$36000.00} XXXX XXXX XXXX/XXXX {$36000.00}
I sent a dispute on   X/X/2017     and never received an update. It 's well over the 30 days they have to respond.The status still shows pending. The confirmation number for the dispute is  XXXX .
When I logged into Bank of America Online Banking yesterday ( XXXX XXXX 2015 ), My checking account 's " Available balance ( as of today ) '' in the Account Summary showed a positive amount of {$250.00}. The same " available balance '' is represented in the " All Activities '' section of the Online Banking webpage. After I made a {$50.00} online transfer, my available balance remained positive at {$200.00}. At the end of day, my " available balance '' was {$190.00}. Including all pending transactions, my " available balance '' was still positive at {$40.00}. Today, XXXX XXXX 2015, I see an " overdraft '' fee of {$35.00} in my transactions, and my " available balance '' is not {$5.00}. When I call the bank to find out why they charged me an " overdraft '' fee, the representative claims that my " available balance '' went negative and directs me to the " Account Balance History '' section of the page. 

This " Available Balance History '' shows that, at Close of Business on XXXX XXXX, my " Available Balance History '' was negative by {$12.00} and the bank charged me a {$35.00} fee. The " Available Balance History '' also shows that it is the {$50.00} online transfer that took my account into a negative territory. However, when I made that transfer, my " Available Balance '' ( shown here as " $ Statement Balance '' ) was {$250.00}. This " Available Balance History '' is only available on the next day and does not show all transactions until the end of the day. Meaning that as of today ( XXXX XXXX ), I can only access the " Available Balance History '' showing my " Ending Balance - XXXX/XXXX/2015 ''. Therefore, I could not have the information that my account was overdrawn when I made the {$50.00} transfer yesterday. I was misled by the bank to see that the other " available balance '' was sufficient for the transaction. Why would they then charge me an overdraft fee when the information available at the time showed that my account had sufficient money?
I have had my students loans 100 % paid off since XX/XX/2017. The Department of Education still reports it as I am making late Payments and lowering my credit score
In XXXX of 2015 I initially applied for a mortgage pre-qualification in the amount of {$150000.00} through JPMorgan Chase. I was approved for the mortgage, but held off because of my upcoming marriage/pay increase. XXXX 2015 my wife and I re-applied through JPMorgan Chase for {$200000.00}, but this time we were denied on all levels for a VA Home Loan. The mortgage officer assigned to us stated that the {$150000.00} should have been denied as well and that the approval was a mistake. Both of the incidents have led to my wife and I losing hope on finding a house for our growing family. We are currently living in a XXXX bedroom apartment. My credit is good other than a few case that have since been solved or in the process of being disputed.
On XX/XX/XXXX American Express recevied the wrong payment amount of XXXX. I first contacted the bank and complained about this because the payment from the bank side was just pending. The bank said they wouldnt be able to do anything because the payment hadnt posted. I contacted American Express and notified them not to process the payment cancel the payment and they quickly processed the payment. Quicker than usual. Once the funds where taken from my bank account, I called American Express XX/XX/XXXX, and I was told by a representative ( XXXX ) that the check would be mailed the next day. Instead of mailing a check they have deducted funds from the balance so far a total of XXXX and still are holding on to my money. The account was not past due and a payment was not even required. They had already received a total of XXXX and where only owed XXXX to be exact but American Express was stealing money from me because they where taking payments from me but where not updating the balance. I have complained multiple times about this but have only received the runaround. So far I am owed XXXX American Express has also been taking payments but hasn't been updating credit card balance accordingly
This lender has called members of my family and friends in an attempt to contact me to collect a debt. This is illegal. I can not be reached by phone but can be reached via email and conventional postal delivery. Furthermore, they say that I have them listed as an " emergency contact '' so my friends and family immediately think something has happened to me.
I am requesting the removal of two judgments ( listed below ) from my Experian credit report due to Civil Case No. XXXX, XXXX XXXX , XXXX Al., v. XXXX XXXX XXXX , XXXX. I requested in writing and over the phone on MULTIPLE occasions over the last year and I still have not received anything. Today, XX/XX/2018 at XXXX on a recorded line I spoke with XXXX in the special service department who told me, 'Experian can't give me any documentation supporting their verification and I must get it directly from the creditor ', who has already put in writing that they did not verify anything with any CRAs. I do not know the source of their verification information on these bankruptcies and due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please  remove these bankruptcies as soon as possible. 


Since this is a request and not a dispute, I would like to receive confirmation that all bankruptcies listed on my credit report have been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.
Was late on auto payment but now I am current. Finance company still showing I 'm 2 months behind. Called to question why it was still showing me as in arrears but was provided with an answer. Was told they could n't help me
XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have been completely ignored by these companies when it pertains to my rights as a consumer so concerning my credit so I decided to file ANOTHER COMPLAINT to provide that my rights are being violated. I am no longer able to file disputes on their websites so I have to send all of my disputes in to XXXX, XXXX and TransUnion. This account as been disputed mulitple times for inaccuracies and ALL 3 BUREAUS HAVE MULTIPLE -INFORMATION THAT IS INACCURATE AND UNVERIFIED. Yet they have all said that in previous disputes where I have certified reciepts that this was verified as accurate. Did they all contact different companies? 
-DOFD IS NOT CORRECT. 
NO HIGH BALANCE OR INACCURATE AMOUNT XXXX EVEN HAS A MONTHLY PAYMENT REPORTING ON AN ACCOUNT THEY ARE REPORTING IS SOLD TO ANOTHER PARTY. 
LAST PAYMENT RECEIVED IS ALSO INCORRECT.
JP Morgan Chase credit card company did not send a monthly statement so I had no information when my payment was due. This was done to scam me so that they could charge a " late fee '' for my not making a payment in time.
Credit reporting agency did not delete  XXXX  charge off accounts after I was mailed a  XXXX  and disputed accounts. Accounts are written off and should not be reporting.
{$360.00} americollect. 
ive disputed wit them several times and its still on my credit report. 
they cant validate it was me. 
this is not my account
ERC, the collection agency have sent me " an attempt to collect a debt ''. They claim I owe to XXXX which is not true because I always do my payments. It is very annoying.
This complaint is an update to a complaint I filed recently again Bonneville Collections on behalf of XXXX XXXX XXXX. I forgot to mention that this debt is reported as " educational '' but in fact it was for rent at the student apartment housing. At the time, I gave notice to XXXX XXXX that I needed to break my lease and they charged me for 2 months rent plus damages that never occurred. The original amount was about {$1500.00}. I requested a payment plan in exchange for releasing my transcript but they refused and promptly sent my account to collections. This was in 2015 but Bonneville Collections has since purchased the debt, inflated it by thousands of dollars and reaged it.
Caine & Weiner {$1500.00} I challenge the accuracy, compliance and reportability of this listing by Caine & Weiner, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( 01 XXXX XXXX  ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I am requesting the removal of all Fraud alerts from my Credit Reports. I would also like the removal of the following addresses from my profile they are not accurate : XXXX XXXX XXXX XXXX, OH XXXX, XXXX P.O. BOX XXXX, XXXX, WV XXXX MY CURRENT PERSONAL BUSINESS ADDRESS IS : XXXX XXXX XXXX XXXX XXXX ARG, XXXX, OH XXXX
According to my XXXX XXXX, XXXX, Experian Credit Report the following items should have been removed : XXXX card, acct # XXXX ...., date it should have been removed XXXX XXXX. 
XXXX card, acct # XXXX ...., date it should have been removed XXXX XXXX, XXXX Card, acct # XXXX ... XXXX date it should have been removed XXXX XXXX. 
These cards were taken off of XXXX and XXXX but not Experian. Since they are past due to come off Experian, according to their report anyway, I am asking that they be removed ASAP.
Although the Co-signed loans were included in Bankruptcy, the said collection company now takes responsibility of the loans sold by XXXX XXXX XXXX ( XXXX ) and in accordance with the " Consent Order '' filed against XXXX and XXXX by CFPB, they are continuing to break the law. See appended document. I was told that the loans have defaulted, even though Co-signed loans were included in the Bankruptcy, they still report negatively towards my Credit report and as a Co-signer to the loan, I was never informed that the loans were defaulted until recently. I never, ever received any notification. If XXXX and/or XXXX has refused to accept the applicable documents and continue towards collections, why was I not notified that the Co-signed loans defaulted? Again, I just found out a couple of days ago. 

XXXX  before selling the loan to XXXX has committed illegal activities by reporting negatively against my credit report - regardless of the XXXX XXXX. Now XXXX is totally disregarding and not complying with the XXXX XXXX and/or Bankruptcy. They have since mailed documents to my home - when told not to contact me in any manner ... 
I believe that there are many students ( borrowers ) just like my daughter that is constantly being silently harassed by XXXX  and XXXX ( Simply Disrespecting the Consent Order ). There are so many students  complaining about sending payments and their payments were sent back because XXXX/XXXX felt that the money was not enough.
On XX/XX/2017. A request for that validation was sent to XXXX XXXX XXXX   XXXX XXXX XXXX has failed to respond to this request within the allotted 30 days.
On XX/XX/XXXX, Mr. Cooper ( Nationstar ) indicated that foreclosure proceedings would not begin until XX/XX/XXXX ; they referred the property for foreclosure on XX/XX/XXXX ( the attorney 's office did not receive the file until XX/XX/XXXX ). On the morning of XX/XX/XXXX, the FULL reinstatement payment was ready to be made and Mr. Cooper refused the payment.
I sent two different debt validation letters to Riverview Law Office via certified mail. One was received by them on XX/XX/XXXX as my initial request for validation of the debt. My second letter was sent as a follow-up request after several phone calls were made to me from the law office but still no documentation was sent per my request. the other letter was received by them on XXXX XXXX, XXXX. In my letters, I stated I was not refusing to pay but want validation of the debt by providing me with a list of documentation within 30 days of receiving my letter or they have to remove and delete this account. Riverview law office has failed to provide me with the information I requested and now they have filed a court hearing/summons over this matter. The debt in question is said to be from XX/XX/XXXX to XX/XX/XXXX. I am filing a compliant today because of their refusal to provide me the information I request in the timeframe provided in my letters yet they are now trying to take me to court over this matter.
I set up automatic payments ( " autopay '' ) for my two Bank of America credit card accounts ending in XXXX and XXXX, respectively, on XX/XX/XXXX. However, the autopay setting for the account ending in XXXX was erroneously removed and since this is completely without my knowledge or consent, it was until XX/XX/XXXX when I logged in to online banking that I noticed the account ending in XXXX had already been two months past due. It should also be noted that Bank of America did not exercise due diligence to inform me of any missed payments where other banks would send notifications via emails, phone calls or text messages ( XXXX XXXX and XXXX XXXX are just some examples ). I'm also attaching the screenshots from when I added the autopay settings as evidentiary support. I immediately scheduled an online payment to keep my account up-to-date and called customer service to inform them of such situation and to request : a ) Removal of this account 's delinquency from my credit reports ; b ) Reversal of the late fees assessed against my account. Unfortunately, even after escalating this request Bank of America still failed to resolve this issue satisfactorily.
i currently have the American Express Gold Delta SkyMiles Credit card. I received an email encouraging me to refer friends/family to apply and receive XXXX bonus miles once they were approved. I referred my significant other on XX/XX/17. She applied directly with the link i sent her and was instantly approved. I've called both Delta and American Express countless times without ever receiving the miles.
This company will not quit calling me I do not owe this debt and they 're contacting me telling me they 're going focus come to my place of residence and or employment Contacting my family Number is XXXX
XXXX called my Employer - and left a message on the Department Heads voice mail saying they are calling for me XXXX.
Approximately XXXX XXXX, 2015, Mohela started robo-calling our home. My husband, XXXX, answered and was told he had a student loan debt. We are XXXX senior citizens and neither of us ever took out a loan to pay for school. The person representing Mohela would n't give him any information regarding the " XXXX '' they were looking for, but wanted my husband 's last XXXX digits of his social security number and his date of birth, which he refused to tell them. The robo-calls continued, so I looked up Mohela 's website XXXX www.mohela.com XXXX and XXXX called the phone number listed there ( XXXX ). He was told the " XXXX '' they wanted had a different middle initial than his and that the calls would stop. They still call XXXX a day. Thank you for your consideration of our problem. XXXX