WillisBack/dataset-financial-user-claim huggingface dataset:
The letter and check dated XX/XX/XXXX was accidentally misplaced and never opened until XX/XX/XXXX. On XX/XX/XXXX a representative and then a supervisor stated that any check issued more than a year ago would not be reissued when I called the number at the bottom of the letter from Portfolio Recovery Associates. The first call that I made to XXXX was answered by a representative that gave me a number to call and that number gave a busy signal repeatedly. The second representative told me that it had been more than a year since the check was issued and that they had been " told today that no more checks would be reissued. '' When I questioned the over a year statement and then the told today no more reissues statement, the rep said that she had been misinformed. I asked by whom because she had not spoken with anyone but me in the past several minutes. I asked for a supervisor and the supervisor told me that the check had been issued XX/XX/XXXX and that it was over a year and could not be reissued. I told her that the check was issued with the letter from XXXX on XX/XX/XXXX and that it had not been a year. The supervisor then told me that it did not matter, that the bank account that the checks had been written on was a contracted account for the purpose of paying the litigated amounts and that it was no longer active. I contacted the CFPB by phone and the man I spoke with suggested that I contact the bank the check was written on. I did so at the number he provided and the bank confirmed that it was an active account. I feel that the representatives acting and speaking on behalf of Portfolio Recovery Associates , LLC attempted to deceive me by changing the dates and reasons that they would not reissue a check in an amount that they clearly owe me. I believe that the supervisor told an absolute lie about the bank account being closed and lied about the date of original issue to attempt to stop me from pursuing the attempt to acquire the money that XXXX clearly owes me. I am not asking for the interest that XXXX has accrued from this amount of money that they owe me, simply a reissue of the check in the amount of {$1400.00}.
Hello I have a XXXX  XXXX XXXX with a loan through WellsFargo Dealer Services. I have had my loan through them since XX/XX/2014, recently I began credit repair for myself. Disputes have already been sent and no changes. This company shows multiple 60,90,120 day late payments on my credit report. This company has been over charging my account for quite some time because of insurance fees even though I had my own insurance and they are supposed to be sending monetary compensation because of this. Collateral protection insurance is what its called. This company has been over charging me I would like for those late payments showing on my credit report to be removed.
This account was disputed because the first date of delinquency was reported incorrectly by Bank of America, N.A. Neither XXXX nor XXXX were able to verify the first date of delinquency reported by Bank of America, N.A. and deleted the account from my record.
FCRA 623 ( a ) prohibits furnishers of information from reporting information to a credit reporting agency if the furnisher knows or has reason to believe that the information is inaccurate. The statute defines reason to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts as to the accuracy of the information ( 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and ( D ) ). The deletion of the account by XXXX and XXXX because of their inability to verify the information casts substantial doubt as to the accuracy of the first date of delinquency being reported by Bank of America, N.A.
According to XXXX, dispute results are not shared by credit reporting agencies because only the business knows which of the consumer reporting agencies have received disputed information ( see attached ). Bank of America has failed to notify XXXX that the information they are reporting regarding this account was deleted by XXXX and XXXX because they were unable to verify the first date of delinquency reported by Bank of America, N.A.
I purchased a vehicle in XX/XX/XXXX had a total loss claim on the vehicle in XX/XX/XXXX XXXX paid the company whatever the car was worth. However the car company stated since I was at fault I was responsible for paying the {$500.00} the insurance company subtracted from the total loss check. I paid the balance in full in increments to the car company and they reported that I was a charge off on my credit report which is not true. I received a paid in full letter and a letter from their lawyer saying that my credit report would be updated to reflect accurate information. I have since seen my credit report be updated to charge off on as current as XX/XX/XXXX. This information is inaccurate and I need this taken off my credit report immediately.
The company name is Valentine and Kebartas. 
After missimg multiple calls a day from this company I finally spoke with someone on XXXX/XXXX/16. XXXX had sent my final bill to my old address and I never got it. The person I spoke to at Valentine and Kebartas corrected my address and arranged to send out a reprint of the bill. She waved the ridiculous {$5.00} fee to have the bill reprinted. I let her know that I would be taking care of the bill as soon as I received it. 
Not 1 day later the calls started again. 
I received a call this morning by a very pushy caller and was told that if I was taken off the call list without making payment arrangements my bill would go into collections. I asked why my file had n't been updated to show that I was cooperating and s ( he ) said their system just does n't show everything. 
When I complained about their repetitive calls the caller said that legally the system could call my phone up to 6 times per day. This is harrassment and also threatening by saying my bill would go into collections. 
By their admission, even though I was cooperating, they were going to call me up to 6 times per day until my bill was paid. 
These are nnacceptable business practices. 
Please look into the company.
I submitted a dispute through XXXX requesting an update to my reporting, as the status showed Unknown. It was paid and closed in XX/XX/XXXX, and therefore should reflect as such. XXXX responded and updated my report, but did so inaccurately. They updated the status, payment amounts, balance dates, and the payment history inaccurately. It has caused great detriment and undue hardship to me, as Im seeking to finance a home. The updates included negative reporting, and even include the term negative on the payment history data from XX/XX/XXXX through XX/XX/XXXXwell after the loan was paid and closed! Ive called multiple times, submitted emails, provided documentation, and have discussed this matter with a representative at XXXX. They insist that no updates were made, that they will not update and correct the problem, and they wont honor the agreement they offered to me through their own rehabilitation loan program ( which I completed and have since paid off with XXXX ). I have asked many times for contact information to whom I should I send my requested updates and supporting documentation, but the representatives refuse. They insist that no one is there to do can correct the inaccuracies since my loan is paid and closed on their end. Further, they refuse to acknowledge that they even updated in response to my original dispute, and refuse to provide a clear way to submit my requests for further research and correction. The representatives keep insisting that the data on their system is 100 % accurate and they can not help because my loan has been paid, but they are refusing to understand that the data to the credit bureaus was entered differently than what their system shows. Its frustrating when they wont take the time to review the reporting, the actual updates they made, their own errors, or honor their own agreements. I wouldnt have entered into their rehabilitation program if the one benefit on credit reporting was not going to be honored, and theyd later report inaccurately to my severe detriment. The representations made in the agreement were not just verbalits included in the direct correspondence from them and even in their official forms and subsequent contractual agreement. Its a misleading practice and unethical, and I sincerely hope the multiple issues Ive relayed can be addressed and resolved.
I received an email today XX/XX/XXXX from a XXXX XXXX saying I was due in court on Friday to pay a bill or else the judge would decide for me. It said to fill in my zip code in a box on the email and it would give me the court to go to. It gave me a list of Federal courts. I emailed him back and asked him what it was about. XXXX, this payday loan place, said I owed them XXXX dollars. 

I have never had a payday loan. I wrote back by email and said he should check his accounts. I said I would contact an attorney. Well, it is election day tomorrow and my attorney is out campaigning. 

This is an awful thing to do to a XXXX year old lady. I have never even gotten a notice about the loan. How can anyone take anyone to court or threaten taking anyone to court without telling them well enough in advance? I thought you had to have a supoena.
I have disputed the amount via mail twice within the initial 30 days of being charged. The issuer however have not fully investigated the amount I am disputing and keep closing the dispute without telling me. 
I will not pay for charges made for services not received. I do not feel the credit card issuer is unbiased since it is the same company who charged the amount, they are not looking out for the best interest of the card holder me.
Initially all of my consolidated loans totaled to be approx. XXXX. However, since my loans have been with Navient and the loans have been in deferment and forbearance, my total has increased to over XXXX with the interest. I am now repaying loan on the Income based repayment plan, but I am not able to see how this is decreasing my principle amount.
On or about XX/XX/XXXX I opened a Home Equity Line of Credit with Wachovia Bank which was subsequently taken over by Wells Fargo Bank. The HELOC was originally for {$250000.00} and later reduced to about {$180000.00} when I refinanced my original first mortgage.
The Line of Credit was an interest only loan and every month without fail I paid the interest that I was billed for. To my knowledge I WAS NEVER LATE ON A PAYMENT and was never charged a late fee. The monthly bills indicated that the balance shown was the entire balance including any unpaid interest ( which I assumed was only for the previous month. ) Please see the highlighted section of the attached typical bill. Please note the beginning and ending balances appear but NO ITEMIZED EXPLANATION as to how those figures are derived. lt was always my assumption therefore that when I paid the amount due on time I would billed for the same amount of interest the following month provided the rate did not change in which case the amount was either lower or higher.
I recently sold the home used for collateral and therefore asked for a " payoff '' amount. I was given the amount and now verbally told that it included " unpaid interest of {$2100.00}. '' I immediately asked for a detailed explanation since I was totally shocked at this revelation. The written answer I received, ( attached ) is totally unintelligible. The banker at the local bank where the loan originated could not explain the letter to me. Basically it merely is an accounting of how unpaid interest accrues but since I paid the total interest owed each month it makes no sense to me. It appears that the bank sometimes applied my payments to interest and sometimes THEY DID NOT, creating unpaid interest carrying over to the following month. The following month 's payment made on time and for the full amount billed was perhaps partially applied to interest but sometimes not at all creating even additional unpaid interest fees. AGAIN THERE WAS NEVER A DETAILED EXPLANATION PROVIDED. As an example please refer to the attached list of payments for XX/XX/XXXX It shows a Finance Charge of {$550.00}, a regular payment of {$800.00} and {$0.00} paid to interest. Further, refer to XX/XX/XXXX and XX/XX/XXXX Although I made regular payments they show none applied to interest My issue, REGARDLESS OF HOW THE BANK CALCULATES THE INTEREST, is that while allegedly unpaid interest was accruing I WAS NEVER INFORMED AND NEVER GIVEN AN OPPORTUNITY TO PAY. In my opinion this is an intentional hidden way for the bank to increase revenue without fully and honestly informing its customer. It is outrageous that a, till now, reputable bank can run up fees for a customer without his knowledge and get away with it. This has to be illegal! It appears to me that the millions of dollars in fines they have been assessed has merely served as a licensing fee to continue stealing from their customers.
XXXX XXXX- {$1500.00} XXXX XXXX- {$580.00} I have disputed these items on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After several attempts to verify and validate the debt I have been unsuccessful. I notified all three bureaus by certified mail the accounts where fraudulent. I have requested verification of my signature authorizing the reference accounts. The information is being erroneously reported on my credit report which is having adverse effects on my mortgage loan applications.
My complaint is about a mortgage application and closing. During the home purchase process, i applied couple lenders and was informed that due to my visa status, i was only eligible for an FHA loan.I got approval from the  Cross Country  loan company for my home purchase and i submit all required information and documentation. I informed C ross Country about my visa status and submit  all related legal documents too. After their approval on  XXXX   XXXX    XXXX  , i continued with the purchase process, paid for inspection, paid {$450.00} to  Cross Country  for appraisal. Closing date scheduled was  XXXX   XXXX    XXXX   and on  XXXX   XXXX , i was informed by my real estate agent that there was a problem with my loan. Cross country then disclosed that i was ineligible for an FHA loan due to my visa status, just 2 days before closing date. After a research and discussions with other lenders, i found out that i was actually eligible for the loan. I paid {$1000.00} additional earnest money and extended the purchase contract, transferred the loan to another lender,   XXXX   XXXX   XXXX  . We also transferred the appraisal from cross country but we were unable to use it therefore i paid for the appraisal again. Not to mention inconvenience about my other arrangements for moving, my current rental place and costs associated with those. Eventually, as of today  XXXX / XXXX /  XXXX  , i got the loan from  XXXX  and successfully purchased the property.
I have submitted several " account verification letters '' to TransUnion about accounts that do not belong to me, and I have no knowledge of. I have asked the credit bureau to provide me with their verification method as well as verification that the account belongs to me. The credit bureau just sends me a letter that states " verified '' without any other proof that the account is mines. 

Account : XXXX XXXX
I received a call from " XXXX and XXXX '' this morning. Her name was XXXX XXXX, phone number XXXX XXXX XXXX XXXX. They say when I closed my Wells Fargo account in XX/XX/2010, they later realized I was overdrafted {$87.00}. She said the account was sold to XXXX. They say they have sent me paper documents to an address I haven't lived at for 6 years. Now, they are asking for {$390.00}. They called me at a number that I have had for 10 years, so I asked why I just now got a call. They say they tried mail first ( XXXX ). I asked when the original overdraft occurred and she said they have no record of that ( even though supposedly the accont was sold to them ). She gave me XXXX hours to contact her and set up payment or they would send it to court. Also, she mentioned Wells Fargo would sue for XXXX the amount ( even though supposedly the account was sold to XXXX ). I said I'd call her back. I called Consumer Financial Protection Bureu and they say i should get her license number, address, and ask for a letter to be sent to my current address. I called XXXX back at her direct line ( XXXX ) and she said she and no one else in the office had a licence number because they were " mediations ''. She also gave me a XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX TX. She then said " is that all '' and then hung up on me. This is very suspicious, and I fear I'm at risk for fraud. Please help, thank you.
In the month of XX/XX/2018 I submitted payments to Carrington Mortgage Services LLC in the amount {$6500.00} mailed to the company for an additional principle payment. I additionally made my standard monthly payment of XXXX with an additional principle payment {$320.00} which totaled {$3000.00} which includes the XXXX $ fee for paying it on line. The total payment of {$6500.00} was credited to my standard monthly payments of escrow, interest, insurance and a small amount of principle instead of a total principle payment. This pushed my next payment out until XXXX. 

This principle payment was made to lower my mortgage balance and remove the PMI ( primary Mortgage insurance ) from my loan.

I have called this company 4-5 times to have them correct the payments and credit the interest to my principle balance to no avail. Each time they are contacted they tell me to call back in 72 hours and nothing is corrected. Carringtons number is XXXX during this process they continue to collect interest on the money i have already paid them and additionally collect primary mortgage insurance they are not entitled to. This is outright fraud and a direct violation of the truth in lending act. 

I would like to file a formal complaint against this firm for their truth in lending as they continue to defraud and allocate funds to imaginary accounts holding these funds to pay balances as they wish instead of following the directions from the borrower. 


XXXX XXXX -- XXXX
XXXX XXXX XXXX took my Payments I paid ahead on each month payments took 1 payment towards paying off late fees and didnt pay my actual payment and reported me late on the credit bureau in XX/XX/2018. I have tried to resolved this and its all recorded on their system. They made the mistake and refuse to remove the late payment. I called each month and was told I was good until XX/XX/XXXX for another payment then I saw a late pay on my credit report. Please help me fight this giant of a bank. I dont think I need a lawyer for this I will appreciate any help from your organization. 

XXXX
Statebridge Company handle my loan for over 2 years since XXXX during that time we were in chapter XXXX. A loan modified was establised to pay any arrears through the court. The courts paid over XXXX, we also made our regular payments {$1400.00} I requested statements from statebridge on several occasion. I was told they could not speak to me due to being in chapter XXXX. My loans was sold on XX/XX/XXXX to XXXX. I ask my attorney to sent documentation giving them permission to speak with me. they advised me because their attorney was handling the chapter XXXX they could not discuss payments or anything else. I ask over several difference incident to provide me a statement of payments and how our payments were applied to our escow, they said again they could not discuss the account .I believe they are deceitful to their consumers because they are a debt collection agency for your lender. This is a way for the lender and debt collection agency to take advantage of consumer because we are not fimiliar with mortgage laws.
I purchased cosmetics from XXXX by Wells Fargo debit card in XX/XX/2017. And I cancelled the debit card in XX/XX/2017. But I returned cosmetics to XXXX and XXXX refunded money to Wells Fargo my cancelled account on XX/XX/2017. Meanwhile, Wells Fargo confirmed it has received my refund money from XXXX but failed to locate the money. I filed 3 claims to ask wells fargo to give me the refund money back to me. But wells fargo closed my claim by other irrelative excuses. I kept calling wells fargo claim center 5 times after my claim was closed. The claim customer representatives promised me twice to send me the check of refund money but they never put on actions. Last week I called wells fargo claim representative again and was told my money has been transferred back to XXXX in XX/XX/2017 and I should call XXXX. But the fact is the transaction records wells fargo transfer money to XXXX in XX/XX/2017 are my original purchasing cosmetic from XXXX not the ones Wells Fargo return the refund money to XXXX. Wells Fargo doesn't have any evidence to prove it returned money to XXXX but also doesn't want to give my money back to me just solely telling me XXXX has my money.
It 's tried to apply countless times for a income driven payment plan but never am given that option after being told I am eligible, instead it only allows me to do a forbearance or a deferment. And I am recieving endless calls a day from the loan company or forgiveness programs asking for personal information over the phone.. saying my loans are in a income driven plan but it 's not reflecting that on the website
I had made a previous complaint regarding XXXX XXXX because the balance was wrong in your credit report but yet it was right in your dispute center. Went to check again. Your showing that I have one account but yet when I go to dispute XXXX XXXX your showing two accounts. I knew XXXX XXXX was going to be added to my credit report and didn't know when it would be added. Can you please explain why this happening and why XXXX XXXX is not being shown in my report. This all seems backwards twice in a row in a short period of time. I can't see XXXX XXXX in my report but I can dispute XXXX XXXX! Makes no sense whatsoever. I am uploading the information. Please send me an updated copy of my report with XXXX XXXX in it by mail.
Incorrect report of a credit card charge off. It was removed and placed back on my credit report the same day under a different company name. The XXXX was paid in full!!! This was not a charge off!! It was never XXXX XXXX. I want it off my credit report TransUnion practices unfair credit reporting practices and the credit they report is incorrect in addition to only reporting negative reports they are irresponsible more so than they make me look!
I am filing this complaint against Experian. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account