WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing for my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with Equifax, XXXX and XXXX at least 5 times in 2016. I believe the Equifax, XXXX and XXXX Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid all these creditors. Also, I believe this credit company has illegally used and shared my financial bank statements ( I used to prove accounts paid. ) and sent information to XXXX to aid them in continuing to report inaccurate information. This data was used against me with out my consent. I just want the negative accounts removed so I and move on with my life and afford housing for my family.
AES collects on loans that NCT has purchased but they have never sent me proof that NCT owns this debt, the only item I have received was a loan agreement that I signed with XXXX XXXX XXXX. AES is committing fraud against me which I have recorded calls on my phone because they also lie about everything and does not have any knowledge of what they are collecting on. I have spoken to NCT and they acknowledge that NCT is a trust and does not make any decisions on the loans which AES claims they do. I also spoke with XXXX XXXX and he acknowledged that AES can remove any negative marks they put on someone 's credit and not sure why they told me to contact NCT. The whole company of AES are idiots and should be shut down. I can get correct information from other companies but AES hire people that do n't know anything plus they are recording people 's calls without giving them the disclosure which is illegal.
I purchase a car using Ally financial. Then within the first week of owning the vehicle I refinanced with XXXX. I received a check for the amount of the XXXX day payoff amount on XXXX and mailed it to ally on the XXXX, they claim they did not recieve it until the XXXX and charged me a {$170.00} interest payment. Spoke with there rep, they stated it would be taken care of. In XXXX I start receiving calls about a late payment for {$180.00}. After speaking with them they told me that had a note that all payment had been receive they would take care of it. Meanwhile they are holding on to the title and not sending it to XXXX until the {$180.00} Is resolved. Then today I check my credit report and they have posted that my account is late leading to neg hits on my credit. When I called them they stated that the loan was for XXXX and the payoff of {$46000.00} was accepted but left a balance of {$170.00}. That does n't add up. I paid the {$190.00} balance plus interest to get the title, got the confirmation number for the payment and the supervisor told me after the payment was deducted, that I would recieve the title XXXX day after the payment was processed. When I ask how long that would take he stated it could take as long as XXXX days. Which means it could accure more interest charges. Baffling to me
TransUnion continues to report two erroneous bankruptcy accounts on my report. I have disputed it several times and asked for their method of verification, which they failed to respond too. According to their report, the information was provided by the XXXX XXXX. However, I contacted the XXXX and received a letter stating that the XXXX does not report bankruptcies to the bureaus, nor due they assist with disputes. Per the FCRA, all entries on a person 's credit report must be 100 % accurate, complete and VERIFIABLE. Since the accounts can not be verified by the method contained in the report, it must be DELETED!
I have disputed this as fraud with company that appears on credit report. The debt keeps reappearing under another company with same amount
I have a hard inquiry from Discover Bank on XXXX XXXX that I did not authorize or approve.
After checking my credit reports, they show that I opened an account with Synchrony Bank for a " PayPal '' credit card and that payments were missed and the account was closed by the creditor in 2014. I never opened this account and do not use PayPal. I have not had any resolve in figuring out how they obtained my information and who actually had the credit card.
My husband and I have the following complaints against Specialized Loan Servicing ( SLS ). 
They hold a second mortgage against our property and have done so since XX/XX/XXXX. Recently, my husband and I have been trying to obtain information regarding our loan from SLS to avail. We have been advised that our account is past due, but unable to get information on when the account became past due and how the amount stated was determined. I would like to receive confirmation on when our checks were received and when they were credited to our account. I am concerned checks are being held until our payment is due, therefore incurring late fees. For example, our XXXX XXXX payment was written on XXXX XXXX, then our XX/XX/XXXX payment was written on XXXX XXXX, but both checks were deposited on XXXX XXXX ( see bank statement attached ). 

We are also concerned that SLS has advised us in writing that our monthly payment is going to increase effective XXXX XXXX, XXXX, but have been unable to tell us what that new amount is going to be. We have called several times to obtain the information. Once I was told by the customer service representatives that our payment was not going up ( XXXX ) ; then I was told they did n't have that information available ; then I was told that could not give me that information. I believe they are withholding the information in an attempt to deliberately make our account delinquent, therefore securing more money from us. 

We also do n't understand how SLS is not responsible for sending us monthly statements for our account. We have requested statements, but have been told they do not provide them but I could go online for the latest information. When I did that yesterday, it showed our last payment received was on XXXX XXXX, XXXX and that our next payment due is on XXXX XXXX, XXXX and the amount due is XXXX. But we received a letter stating our account is in default and a possible foreclosure action is pending. 

We do n't know if this is a new policy or what, but all of our other creditors provide statements indicating the amount of payment due, the balance of the account and a payoff amount. Again, I believe SLS does this on purpose in hopes of customer 's falling behind and incurring additional fees or a worst case scenario of someone losing their property. 

We would like a letter written to SLS with our complaints and requesting documentation of every payment made, every late fee and any other fees charge and when they were applied and how long it takes them to process payments. We would also like in writing, the new payment amount due and a payoff amount.
I do not know the person they keep trying to contact. I had this phone number for at least 7 years and I have never know any XXXX XXXX whom they are trying to contact. I did talk to the person who keeps calling and advised them that I am not XXXX XXXX, I do not know who he is or how to contact him. I was advised that they will take my phone number off their list but I continue to receive their calls ( for about a year now )
In XXXX, I mistakenly sent a short payment ( by about {$20.00} XXXX to my Visa card company. This month, when I received my bill, I see interest charged on new purchases that were not due to be paid until the statement date. I called the company, who told me they are allowed to do this. If this is legal, I would call it highway robbery. The only interest due should be on the late amount and cash advances, and not on the new purchases that are not due for payment.
New American funding is lax in their ability to process.. I signed all th loan docs and wired money ,over 200000 grand . We were supposed to close XX/XX/XXXX then it changed to XX/XX/XXXX .The lender is saying that they want proof the the money is mine. .......I was robbed of my identity on Sunday ,XX/XX/XXXX so I had to change all my financial accounts.. I wired the money from my new account same bank. And they say its not my money. But THEY HAVE MY MONEY !!!!!! The sellers want to cancel because of the decrepancies of the lender ,XXXX XXXX,and her processor from XXXX XXXX.they are giving until XXXX  today. The lender did not act on this proof of funds being mine until XXXX XXXX on the day of closing,Thursday, after I signed the papers and wired the money.  They had since Monday. I have done everything they have asked for immediately. Even did not go to work in order to do so I may lose the house and my money is in limbo. Its  negligence and lack of ability to do their job which has caused much grief emotional,and financial hardship on all myself and the sellers and the realtors .
I was told that I had an open credit card from 1999. I was contacted in XXXX about this debt and told that I would have to pay over XXXX worth of interest. When asked if I was going to pay this or not-I said " no ''. The debt collection agency sent legal paperwork to my home and the post office had my XXXX year old daughter sign for it while I was at work. The judgement went through XXXX South Dakota without my knowledge and I have been fighting it ever since. I have written to the court and contacted the debt collection agency. The time of elapse for the debt had passed. They charged an exorbitant amount of interest and would not settle on it.They constantly called threatened and harassed me and then accepted the signature of my XXXX year old daughter on legal paperwork. The only reason I knew that she had signed for the paperwork is that her older brother told me. The post office would n't respond to my request for information and claimed that they were using a temporary carrier. I do n't believe it is legal for a court to go through with a lawsuit signed by an XXXX year old. This company was completely suspicious from the beginning. This has caused me to be investigated at work, loss of credit, etc. I have successfully disputed this to XXXX out of XXXX credit reporting agencies and was advised to file a complaint as well.
XXXX XXXX XXXX has not reported on my XXXX since XX/XX/18 as paid or current as by my report XXXX  File # XXXX XX/XX/2018 I have paid as agreed and have all of my money orders as proof as paid.
In 2009 my grandmother passed away, and I was given her car. I had purchased a car not too long before my grandmother had passed. I called the bank that I had a car loan with and explained my situation. I wanted to see what my options were. I asked them if it would be possible to return the car? I remember the person that I spoke with was really nice and he said that it would n't be a problem. I asked if anything would happen to my credit and he said, " No, since it would be a voluntary return of a car they would just resell it. '' I waited a little over a month before someone came an picked up the vehicle. I thought everything was ok and so I went on with my daily life. About a month later my car from my grandmother was running right and so I decided to sell it and use that money to purchase a new car. I wanted something reliable for myself and my daughter. At the dealership, they ran my credit. The loan agent said that I had a repossession on my credit and that I would have to put more down or have a really high interest rate ( 27 % ). I told him that something must have been wrong because I never had anything taken from me. He that the last car that I had was repossessed. I was getting frustrated because I did n't know at the time that voluntary repossession and a repossession is all the same thing. I explained to him what had happened. He said that we was n't surprised that this had happened to me. He has heard of banks doing this to several of people. I was young and very inexperience when it came to my credit and finances and just did n't know. I told the lender that I had a job and been working for several years. I could have kept the car and continued making my payments and had I known that my credit would be affected I would have kept the car or tried to sell it. The lender worked out a loan for me, but my interest rate was pretty high and almost 7 years later I am still dealing with this. My husband and I are trying to purchase a house give our children something we did n't have. This mistake has been haunting us for so long. The repossession is the first thing that pops up on my credit report and the banks do n't want to help us ... until now. We found a lender that is will to work with us if we are able to have this repossession move to the bottom of my credit report. I 'm praying for some grace! I 'm much older now and wiser. I 've been teaching my oldest daughter about credit and finances and how important it is to read and search on things before you sign anything. Do your research before you agree to anything. A very hard lesson I had to learn, but I learned it.
My mortgage servicer, Ocwen, has flagged my account for the next six months as to only accepting payment in certified funds. This action was due to XXXX insufficient funds transactions within the last six months. No warning was issued or notification of this policy given. Speaking with their customer service is unnecessarily burdensome with multiple account verification at each step, so much so as to suggest a deterrent and not professionalism. I 've been contacted at work numerous times to the point where I requested a note be put on the account for contact after XXXX. Speaking with an " escalation manager '' only resulted in additional frustration. After missing his return call due to being on another line I was unable to reach him that night after numerous attempts. A week later he got back with me and although he called me at my listed phone number he insisted on account verification and was unwilling to shorten the process even after I had identified myself. I do n't consider that customer service, the cumbersome and repeated verifications within their system forces a 10 minute call into 20 minutes. Their policies discourage contact, they institute them without warnings and attempt to harass with phone calls at strategic intervals.
We had a home loan with XXXX that got taken over by Wells Fargo Loan Servicing LOAN # XXXX Within few months of default XXXX ( hardship arising out of reduced income for me and a job loss for my spouse and not being paid for another contract as the middle party went bankrupt and further unemployment ), I got on a forbearance agreement with WF which I paid all the payments on time overnight with return receipts but they indicated otherwise and then later sent the funds for the last check amount back saying they made an error and misapplied the payment ( INTENTIONAL? NEGLIGENCE? ). It threw us into foreclosure proceedings by XXXX trustee, we filed Chapter XXXX XX/XX/XXXX, worked a loan modification review for 6 months paying a hefty monthly fee to attorneys for loss mitigation and they did not do anything! After refreshing documents over and over the bank 's attorney showed up at the time of job change and denied the modification without any fair review or chance. This created more XXXX and affected us and our family in many negative ways. Finally after years of XXXX. I came out of it and started earning but the loan is much higher than what the home is worth and the interest rate is close to 7 %. There is no accountability and response to QUALIFIED WRITTEN REQUEST we sent, A notarized mailing of PROOF OF CLAIM we sent out to the bank and the attorneys, There are numerous issues identified in the mortgage investigation, immense mortgage fraud and issues related to assignment, robosigning, errors in the loan, etc. that questions the standing but we did not raise foreclosure defense in time in the hopes that the bank was going to provide us the loan modification and now we are cornered into a sale date railroaded by the big powers. We need answers and there is no help to obtain them - the banks are doing whatever and are getting away with lies and theft. No one is holding them accountable for the various accounting errors, misapplication of the forbearance, obligations to respond, etc. We need the bank to respond to our QWR for information and Proof of Claim. The employee of the law firm doing the foreclosure has signed on behalf of the bank to endorse the paperwork as a bank employee? They are playing games and we are losing our family home in the process when we have tried everything with them in good faith. They have forced insurance and piled up enormous amounts of penalties and fees and charges to make matters worse. We hear all these settlements and amounts Wells Fargo and XXXX are fined and will pay or be applied towards principal reduction, etc. in the news as recent as the last few months but do not know the path to seeking those funds.
I have tried to contact XXXX, to dispute an account, in which ; the statutes of limitations have already expired. XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # XXXX
earlier this month my debit card was stolen and somehow my entire bank account gets depleted right after recieving my check. I spoke to the bank on the phone and they told me they would be refunding my money back to my account. Well here comes the end of the month and Chase reverses there refund. So im back to negative in my bank. Im not sure why they would reverese the claik after telling me that everything would be alright. Late payments means im behind my rent and i need the matter resolved. I never claimed that i made those charges like chase claims i did. Thank you.
I was issued an American Express Gold XXXX Card back in XXXX 2016. I have never been late, I have always paid on time and I have never had an issue. My daughter is an authorize user and went out of the country to XXXX in XXXX 2016. American Express declined her charges and I was contacted immediately. An AMEX representative told me that I needed to provide a XXXX and that they would walk me through the process. I completed based on the instructions, I was also asked to provide my XXXX and Pension information as well. All of this information was provided and I have the income so I was not worried. then 2 weeks later they cancelled my card. I contacted them to figure out they said a box was not checked on the paperwork they ask me to complete. They then told me to pay my balances early and then reapply for the same card it should be no issue. Well it has been decline 3 times stating AMEX cancelled my card. I have called 10 times plus and they are now saying my credit is the issue. There has been no change in my credit from issue of my card to now with the exception that AMEX has had me apply for several cards just to have mine sent back to me. They are very discriminatory and no explanation they have provided has made sense. I have every letter and they also say because American Express cancelled my card. I am a Federal employee and I know the law and will fight this to the end because I know how these companies try to get over on consumers. I have never been late, nor a slow or no pay with my American Express.
I paid {$110.00} directly to the original creditor ( XXXX ) for account # XXXX and received a confirmation number of XXXX for my payment. By law, XXXX must recall the account from the collection agency ( Convergent ) as they have no legal reason to report on my credit reports and must delete.
Ever since Seterus inc has taken over my mortgqage I was automatically 1 month behind. I have proven that this is their error as they illegally removes funds from my suspense account causing my payment for XX/XX/2016 to be short. They have illegaly scheduled automatic home inspections in violation of a ruling in an Iowa case which was upheld by the XXXX cuircut court which stated that this is a violation of RICO statutes. Please see attached documents. I have been threatened by the home inspectors they have illegally entered my home one was carrying a concealed weapon which caused me to flee in fear of my life on my own property. In violation of FTC regulations they backdate payments creating another late payment and late fee which is considered by the FTC and the Fair Debt Collections act to be illega That Seterus inc and  XXXX XXXX have previousely been ruled against in a class action suit.l. I have been harrassed by phone by automated calls for 2 years I have had Seterus representatives tell me " YOU HAVE NO CHOICE BUT TO SET UP AUTOMATIC WITH DRAWL FROM MY ACCOUNT ON A DATE AND TIME OF THEIR CHOOSING '. I have been threatened if I do not provide them with personal information that they have no right to have. Now in an effort to obtain their ILLEGAL FEES! they have commited BANK FRAUD by altering my XXXX mortgage check from {$510.00} to {$810.00} and applied every penny of that {$300.00} dollars to the fees I have been disputing for 2 years. This is a blatent criminal act.
Equifax mailed me a correction notice regarding my original complaint. This notice shows that they corrected a portion of my mortgage account, however, they are still showing me as 'late pay ' for XXXX, XXXX, XXXX, XXXX ; which is incorrect. The document I provided in my original complaint listed all my payments for those months and did not list them as late pay. 
Please see the attached documents, which support my payments for those months as current and paid 'before ' they were due. 
These companies are purposely reporting my credit/scores incorrectly due to the financial struggles I had after the market crashed in XXXX. 
They are in violation of the Fair Credit Act. 
I have desperately tried to rebuild my credit, yet I have to continue to fight with these companies to report correctly. This is not right.