WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX Statements Closing Date XX/XX/XXXX & XX/XX/XXXX - paid in full received by XXXX on XX/XX/XXXX {$19.00} & XX/XX/XXXX {$19.00} - these payments are full payment of my balance with supporting XXXX Statements They continuously sending me a statement every month charging Late Fees on top of late fees after I paid it in full ; the last Statement I have is " Statement Closing Date '' XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX - Disputed my accounts by telephone and online correspondence with XXXX. 

XX/XX/XXXX - Wrote a Certified Letter to XXXX with supporting XXXX Statements - NO RESPONSE from XXXX XX/XX/XXXX - I received the Certified Return Receipt stamped received by XXXX. 
XX/XX/XXXX - Received a letter from XXXX/XXXX - my account was closed and charged-off and they sold my account to XXXX XXXX, XXXX aka XXXX XXXX XXXX , XXXX ( XXXX ) XX/XX/XXXX - Wrote a Certified Letter to XXXX XXXX/XXXX XX/XX/XXXX - Received a response from XXXX XXXX/XXXX claiming the information provided by the previous creditor ( XXXX/XXXX   ) was correct. 
XX/XX/XXXX - Disputed this issue with the 3 Credit Bureaus. 
XX/XX/XXXX - Received a response from XXXX stated : XXXX XXXX/XXXX balance is correct and XXXX investigation is complete. 
XX/XX/XXXX - Submit this complaint to CFPB
I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.
I just got a credit report from all XXXX credit reportsXXXX, experian and XXXX and my credit score went from XXXX to XXXX, all XXXX companies are telling me is because i was late on XXXX mortgage payment past 30 days with XXXX, which is inaccurate, i have never missed a payment, with my current mortgage or past ones, they also telling me i have XXXX credit cards, i do not believe i have applied for that many credit cards, that is not accurate i only have XXXX personal loan XXXX credit cards and XXXX mortgage, i dont know where they getting XXXX cards from. All XXXX credit bureaus are telling i have made a lot of hard inquiries, which i have not. Can you please investigate this matter, i have work with the XXXX for 13 years and i 'm also a veteran and i work very hard to get my credit up that high to XXXX.
I have all federal loans services through Great Lakes XXXX., and for the past several months I have been attempting to consolidate my loans and start an income-driven repayment plan. I began this process at the beginning of XXXX, hoping to avoid running up against the deadline of when my loans became due ( end of XX/XX/XXXX ). Each time I have called Great Lakes, someone has given me different information from the person before and after him or her. Often information has been, apparently, misleading or just incorrect. Currently the processing of my payment plan is being held up because they need documentation of my income. My account will show that I have attempted multiple times to send them such documentation, but due to the incorrect information, each time that information I sent was not exactly what they needed. I have been on the phone with their customer service probably a dozen times or more since the beginning of XXXX, and at no time as a service agent actually given me truly helpful information about the process of loan consolidation and beginning an income-driven repayment plan.
We took out a loan, that was advertised as no interest loan from GE Capital, now XXXX Bank. We set up the loan to be paid within the time frame they provided for no interest. In the middle of our loan term, my wife noticed that they had automatically adjusted the amount we were paying, lowering it. My wife changed the monthly payment amount back to our original monthly payment amount. In XXXX we had {$180.00} remaining balance. The next month we were hit with a {$2100.00} interest charge, because our promotional period had ended. We never missed a payment, and the only reason the 3 year promotional period ended was because they changed our payment amount, and it took us 2 months to notice, and change our payment amount back to our original amount. I believe that this company purposely, and deceptively changed our payment amount in order to ensure that the promotional period would end prior to us paying off the loan.
Transunion is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. There are 3 accounts reporting to Transunion which are fraudulent & I'd like them to be removed from my report. I thought they had dutifully complied to the law to cease any fraudulent account unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
My credit is being damaged by false information ( date of first delinquency ) supplied to XXXX and XXXX by Real Time Resolutions ( RTR ). The original debt was a home equity line of credit from XXXX XXXX XXXX. I filed Chapter XXXX bankruptcy in XXXX XXXX, and included this debt. My last payment on the debt would have been about XXXX, XXXX. A few months after I filed Chapter XXXX, XXXX XXXX XXXX sold the debt to RTR. I completed my bankruptcy obligations in XXXX XXXX, and received my discharge in XXXX XXXX. As of XXXX XXXX, the original account with XXXX XXXX XXXX and the public record of the bankruptcy have been removed from my reports by all three bureaus. However, because RTR has provided an inaccurate/false date of first delinquency on this debt ( I believe they are reporting XXXX XXXX ), the account is scheduled to stay on my credit reports for several months beyond the seven year limit. 

On XXXX XXXX, XXXX, I disputed the RTR entry with both XXXX and XXXX, saying the date of first delinquency must be mistaken. As the debt was discharged in my bankruptcy, filed XXXX XXXX, the date of first delinquency must be prior to that date. The XXXX XXXX, XXXX, response from XXXX, is an " update '' on my report saying " The account is scheduled to continue on record until XXXX XXXX. '' Because of this inaccurate/false report, XXXX has refused to remove this negative account from my credit report although it is ( obviously ) more than seven years old. To date, I have not heard a final report on my dispute from XXXX, but I see the RTR account is still on my XXXX credit report. 

As a secondary issue, I would also like to point out that RTR is reporting as a mortgage company, when they are a collection agency.
This company is filing fraudulent mortgage assignments with my Recorder of Deeds Office in attempts to steal my home. They are not a party to my real property and it has not been legally assigned to them.
I already paid {$740.00} on a {$300.00} loan with another {$400.00} to pay
i have been sending letters to the credit report in order to repair my credit and in order an updated information that should have been resolved and clearly they refuse to take care of this. i have a XXXX credit report number. recently they cost me a small house mortgage because they reported another score to my lender, when i called them they stated oh that 's your fico, i asked well why do i get informed of 1 thing and the company pulling my credit get a whole other credit file/ why was i deceived. i had an account with XXXX XXXX on an old foreclosure, they refuse to remove it even though they were informed that the case was settled with XXXX XXXX and they must remove this from my report. they have just taken the word of XXXX XXXX employee and not looked into the law of fraud. i am having a problem with them changing names of companies to keep them reporting bad forever, collection accounts. they also keep a tradeline showing and a collection account showing when they know that 's double reporting keeping the clients to fail, and then they take the amount of the balance and report is a what the payment should be making you look like your debt ratio is bad and that you ca n't afford a home.it has been deceiving me. it 's like they have no rules to follow and can just put anything on you anywhere, this is costing the economy chances to get people who could be buying a house not to be eligible for real estate loans, these different scores are manipulated however they received the information from the lenders and what the lender says is what they do. the consumer. they re-report dated of last activity so it want go off of my credit. these things are old and they change collection companies and re report again. these are unfair tactics for me and every consumer out there. my XXXX XXXX account was involved in a federal investigation and settled, i have a XXXX balance reporting so why does XXXX XXXX benefit from keeping people to qualify for loans, the credit bureau 's job is to report actual fact on me its not to see how hard they can make it to get something removed. its XXXX XXXX 's word over ours & a federal investigation. this research proved we were the victim 's. i also feel a victim of being manipulated by the credit bureau being a member of their credit score alert, i have spent money monitoring my credit and being deceived that these are the scores that matter. this has caused me too much time. i want them to investigate the other companies too and not just being allowed to report as they wish. should n't all XXXX credit reports be the same?? it is suppose to be. if they are reporting accurately. the XXXX bureaus should have the same information as the other, as XXXX updated so should the other XXXX update ( bureau 's ). i want my credit report to be accurate. not what a lender says verified on the telephone. they should have to report cold facts not think so 's and taking the word of a lender, these things are unethical and unfair to me, my family and all consumers. credit bureaus should be trying to help people with their concerns and reports of wrong information of the bureau and should not be allowed to double report on a client.
I was laid off and am currently receiving unemployment. I have explained to Discover Card Services that due to my circumstance, I am unable to make the full payment, and have asked them for their help regarding a hardship payment reduction plan, and they have refused saying they can not do any better than my current interest rate of XXXX %. I have continued to make a reduced payment as to the amount that I can possibly afford, yet they continue to call and demand more from me, and have said that they will turn report this to the credit agencies. In the meantime because I am unable to make the full payment they are tacking on late fees.
USAA is not being fair when it comes to their overdraft policy. They are letting funds hit your account on purpose when the funds are short. for example i made a deposit to cover my transaction and they are still telling me tha t they accurately collected a fee from me.
TO SPECIALIZED LOAN SERVICING : THERE ARE NUMEROUS REQUESTS AND COMPLAINTS TRYING TO RESOLVE THIS ISSUE. THE RESPONSES ARE NOT TO THE EXACT REQUESTS AND APPEAR TO " DANCE AROUND '' THE ISSUES INSTEAD OF DIRECT ANSWERS. THE FIRST COPY OF THE " HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT '' YOU PROVIDED FOR THE FIRST TIME TO ME, XXXX XXXX IS AN ALLEGED DOCUMENT I WOULD NEVER AGREE TO. THIS WAS EXPLAINED TO YOU ... ... IT HAS TO DO WITH WHAT SPECIALIZED LOAN SERVICING HAS NOW IN THEIR POSSESSION FOR AUTHORITY TO COLLECT FOR THE XXXX XXXX XXXX XXXX XXXX. I INFORMED SLS OF ADDITIONAL DOCUMENTS WITH NO AUTHORITY AS WELL. I HAVE CONSISTENTLY REJECTED THIS COPY AS WELL AS REJECTED THE MOST RECENT VERSION SLS HAS PROVIDED WITH A BLANK ENDORSEMENT OF A XXXX XXXX XXXX. SLS HAS REFUSED TO DISCLOSE THE SOURCE AND TIME IT WAS ACQUIRED OR ANY DISCLOSURE RELATING TO THIS SECOND VERSION OF THE HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT. THIS IS OF GREAT CONCERN AS IT IS NOT WHAT I SIGNED AND IS LIKE A XXXX OF XXXX IF ACQUIRED BY ANY MEANS BY ANOTHER PARTY. ALL I HAVE ASKED IS FOR HELP TO FIND OUT WHERE THE PROBLEM STARTED AND WHERE YOU ACQUIRED THE SECOND RECENT VERSION OF HOME EQUITY LINE AND DISCLOSURE STATEMENT. YOU HAVE NEVER IN ALL THIS TIME INVESTIGATED OUR CLAIMS TO ASSIST US IN FINDING WHO HAS THE ORIGINAL COPY. YOUR CLAIMED RESPONSES ARE NOTHING NEW AND AVOID THE REAL REQUESTS THAT ARE AT ISSUE. SLS THROWS IN IDENTITY THEFT AND OTHER SILLY STUFF THAT DOES NOT ADDRESS OUR COMPLAINTS. THIS WHOLE LONG DRAWN OUT ORDEAL HAS AND IS CAUSING US MUCH DISTRESS AND EMOTIONAL TORMENT BECAUSE SLS REFUSES TO HELP AND CONTINUES TO AVOID DIRECT REQUEST ANSWERS AND FOR SOME REASON WILL NOT DISCLOSE INFORMATION ABOUT THE SOURCE OF THE SECOND ALLEGED LOAN DOCUMENT. WE SHOULD NOT BE MAKING PAYMENTS BECAUSE NOTHING SHOWS THE RIGHT TO COLLECT FOR XXXX XXXX XXXX XXXX XXXX. THE STRESS OF INVESTIGATING ON OUR OWN WITHOUT THE ANSWERS FROM SLS IS CAUSING MUCH ANXIETY AND EXTREME PRESSURE ON US. SLS ARE WITHHOLDING ANSWERS AND INFORMATION THAT COULD ASSIST US IN THIS SEARCH. SLS CONTINUES TO REQUEST INFORMATION AND DETAILS THEY ALREADY HAVE THAT HAVE NO BEARING ON THIS ISSUE
I have been trying to get BB & T to remove my PMI on my mortgage three times over the last 3 years and every time they give me different reasons why they are unable to remove it. 
I submitted a request the first time in XXXX of XXXX I submitted it with an appraisal showing that the value of the home had gone up. They declined saying that the appraisal that I submitted was not acceptable and that I had to pay for a new appraisal ( through BB & T to have PMI removed ) I got so upset that I dropped everything and accepted a NO and moved on. 
In XXXX of XXXX I decided to try to have my PMI removed again. This time I made a principle payment to reduce my Mortgage balance below the 79 % LTV from the original apprised value. They told me this time that because my loan was less then 5 years old that I had to bring my Loan to value down to 75 % to have my PMI removed. I did not have any more money to pay down the principle balance to the 75 % so I asked them to refund me the large principle payment that I had made and I dropped it once again. 
In XXXX of this year I decided that once again I am fed up with paying an extra $ XXXX month for nothing and made a principle balance and brought by LTV down to 78 % Loan to value. 
This time I received a letter saying that I was declined due to having a late payment in the last 12 month. I was in chock ... .I have never in my life had any late payment on anything. 
I called the mortgage servicing center with BB & T and they explained that in XXXX I made a payment that was {$100.00} short. I always make additional payment to principle so I am not sure how this could have happened but I did go back and verify the amount that came out of my checking account and it is correct?!?! My payment was {$100.00} short. I guess my big problem here is that I never received a call, I never received anything in the mail and I had no clue what was going on until I requested to have my PMI removed in XXXX. 
The way I guess they said that the late payment fixed itself was that I made an additional payment to principle in XXXX and they applied that to the {$100.00} that I was short for XXXX. 
I feel strongly that this should not be the reason for BB & T to once again deny my claim to remove my PMI. I am willing to hire an attorney at this point since I now feel that this have become and issue where BB & T feels that they are so big and untouchable and they can come up with excuse after excuse to do what ever they want and make their own rules. Instead of looking at my individual situation and see that as long as I have had my mortgage with BB & T I have always made additional payment and that the situating in XXXX must have been a honest mistake that was a one off and remove my PMI they are now using that as the excuse. 
I am really upset about this and want to make sure that other people dot go through this when trying to have the PMI removed. When I refinanced my loan the loan officer told me several times that the PMI would come of once I reach 80 % LTV but never explained that it would be this difficult to have it removed. 
Thanks
Hi, I am  XXXX . Having checking account in bank of america. Today, i went to   XXXX    XXXX , nj branch to deposit the fund of  XXXX   XXXX   XXXX  . But after i handed over the fund to the teller. She mentioned i had only give her   XXXX    instead of  XXXX .
<P/>
Denominzation which i gave to her is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . But instead she had given me the denominzation of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . This is clearly looks to be scam and fradulent behaviour. How can my   XXXX   can be turned in  XXXX . I insited to look at her drawer, initially she denied, and when i asked her 2nd time she agreed to do so. After sometime she checked something and came back to me and said, that i was correct, and accepted that i gave her   XXXX   and she missed it some where? i really do n't trust her, for the very simple reason. I did n't have  XXXX  dollar bill in my denomination. This looks to me as clear case of money laundering. 2 Thanks,   XXXX
During the month of XX/XX/XXXX and XX/XX/2016 I received to negative marks on my credit report for my student loans that I had faxed over correct paperwork two separate times to have my repayment plan updated. I was told they were received and I would get a response from them with in 30 days but while paperwork was being processed there would be an administrative forbearance added to my account so that it would stay current. this never took place and fro that my account went past due I have submitted and goodwill adjustment but nothing ever happen come to find out the lady whom handle my call entered my email wrong and I never received correct documents and now Nelnet refuses to honor the agreement that account would be updated
Nissan Acceptance Corp is listing a debt on my credit report for all XXXX credit reporting agencies. This debt should not be listed on my credit reports as they have sold the debt XXXX to XXXX different collection agencies. I find it disturbing that all XXXX of these companies have attempted to collect on the same debt. I wish to have this debt removed from all XXXX credit reporting agencies. Lastly, this debt has been charged off and is also part of a profit and loss write off.
XX/XX/XXXX Complaint about lack of credit reporting : Approximately around XX/XX/XXXX, I noticed on my XXXX app, my XXXX XXXX Credit Card information had been deleted from my TransUnion Credit Report. 
Both XXXX and XXXX continue to reflect the XXXX XXXX Credit Card Account which has perfect payment history. Please dont confuse the credit card with my XXXX XXXX Car Loan. 

I have been treated like a ping-pong ball between XXXX XXXX and TransUnion for more than 5 months. They both blame the other for the error. I have been told month after month by XXXX XXXX the account will be restored to my TransUnion file. Only to find, after the first of each month, there has been no change. Absolutely unacceptable! 

I request my XXXX XXXX CC history be restored to my TransUnion report immediately, as I am applying for a mortgage in the VERY near term and want the best credit score possible. 

This needs to be correct in time to reflect on my XX/XX/XXXX report. If a MANUAL CORRECTION is necessary so be it. My 3 credit reports as of XX/XX/XXXX are attached. 

My next step is to file a lawsuit. Ive been more than tolerant of the idiocy. 

Thank you. 

XXXX XXXX XXXX
My XXXX son XXXX figured out my XXXX password and in XXXX days made {$2700.00} in-app purchases on his iPad without my permission and billed to my Chase credit card. I attempted to dispute these charges as unauthorized with Chase, a customer representative told me that in order for them to recognize the charges as unauthorized I would have to BRING CHARGES AGAINST MY XXXX SON. This is outrageous. According to the Truth in Lending Act, I am only responsible for {$50.00} of unauthorized purchases. I am also unhappy about their failure to decline purchases and contact me concerning them, when it is quite obvious that this was aberrant purchasing behavior.
I went to the XXXX dealer XX/XX/XXXX and was given a XXXX XXXX XXXX. I was told that they could not take my XXXX XXXX XXXX because of all the recalls and that the vehicle they were giving me would be more reliable. That I should surrender that vehicle for theirs. ( XXXX dealer sold me a XXXX Vehicle ) ... I only had the vehicle for 3 months. Did not drive this vehicle nowhere close to 1000 miles ( I am XXXX  ) Vehicle broke down on a Sunday, XX/XX/XXXX on Expressway. I had it towed to XXXX and that Monday went into their dealership to find out what could be done, as I did not know what was wrong with Vehicle. They advised me 6 hours later that I needed to get the vehicle towed to XXXX because no one in their garage knew how to fix a XXXX. They also wanted to swap out vehicle with another vehicle but said my payments would be {$700.00} a month. I declined that offer as I am on social security and can not afford that monthly payment. I then towed vehicle to XXXX XXXX on XX/XX/XXXX and was told on XX/XX/XXXX that it was the transmission which would costs me {$5700.00}. Mechanics ' name was XXXX. I then let XXXX know of the situation and they said they would get back to me. Today, XX/XX/XXXX I heard back from them and they wanted to give me a XXXX XXXX XXXX but would not give me a monthly amount payment then claimed they couldn't find a bank to finance me ( Remember now, I have my XXXX on my credit report now ). After being there for 5 hours, they asked me to leave claiming they would get back to me when they could find a bank willing to finance me. I then called the bank I am financed under trying to see if they would help me and they said they don't do that and instead of volunteering to relinquish my vehicle back to them, they claim it would be a impound because my vehicle was not in my possession but rather at a business ( The business XXXX told me to take it to ). If you could help I would appreciate it because at this point I do not know what I can do and I need a vehicle. I keep getting the run around from XXXX and my issue with them is I only had the vehicle for 3 months which is crazy to me. ( But this was supposed to be the more reliable car )