WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, Equifax and XXXX  all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX XXXX accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.
Company issued a CC without any valid form of payment ( online logins, instructions, or call-backs over promised ). On day of attainment, I got approved but was not instructed or contacted to actually activate payment method, or online login ( little did I know ). I asked the lady as I got approved, and she mentioned I would be contacted by them for further instructions ( XXXX branch )!!! I have always paid on time, and its the only ding I have on my credit. 

I used to have a 700+ and it's dropped significantly now ; my only intention on ATTAINING this card was to build credit! I have been up-to-date and will continue to do so, but this was after ME going into the store next to my apartment to ask for valid form of payment, furthermore the RECEIVING of my actual card. I am a XXXX yr old XXXX, and my credit is very important to my business in and out of the office. 

The lack of communication, execution, and customer service is the result of this claim, nothing less or more. I use my SAKS card once in a while, but always make sure it is paid off now that I know what to use as login/have attained card.
The monthly retail installment payment was made on XX/XX/2019 via Bank E-check as has been done since loan origination date. Payment not credited by TFS and TFS failed to locate any reference to the payment when called. Instead I was told 2 payments made 18 months ago were less than the amount due although no notification was ever sent to me. Due to antiquated Toyota policies, I was treated like a deadbeat customer and had to take off from work, go to the bank to secure a Merchant Transaction report, go to XXXX and fax the documents to TFS @ XXXX to prove payment was made.

It is the negligence and rudeness from TFS that caused me decide to not buy a Toyota again and will dump the XXXX XXXX XXXX XXXX  ASAP. There are lots of brands that don't screw up the accounting or then force the consumer to jump through hoops to prove payment has been made..

Where did my payment go?

Why was the payment not in the system?

Is this a SOX violation?
On  XXXX  .17 I ag reed to a purchase in the total amount of {$2500.00} from  XXXX   XXXX . I also took advantage of their advertised  12 mo  same as cash promotion.    Late  XXXX /early  XXXX   I received a call from someone who identified themselves as being a collector from Fortiva Retail Credit. I informed the caller that this was my initial contact with Fortiva and that I had never heard of them. The caller told me I need to pay approx. {$300.00} immediately to bring my account current or a delinquency would be reported on my credit report and that the 12 months same as cash offer from  XXXX   XXXX  was no longer an option due to my being late with my initial payment. I was told the total amount of my account was now over {$2800.00}. They also told me they accept only payments directly from my checking account and I would need to use my bank debit card.   I again informed 'collections ' that I had never heard of them and asked that they at least send me some verification of who they are and their connection to  XXXX   XXXX . I was told I would receive my documentation in the mail within a week. On  XXXX  .17 I rece ived my initial piece of mail from the company with an account # and balance, address, payment information, etc. I immediately called Fortiva offering to bring my account current but only if they would honor the origi nal 12 mo sac     agreement which they refused to do. I then offered to pay the original amount in full immediately but they insisted I owed them over {$300.00} in finance charges + late fees and could not do anything about derogatory remarks on my credit.   I have since spoken with their collection department several times, not including the many calls from them prior to having received my initial statement, but they insist on payment of all interest and fees. They can not allow me to discuss the matter with customer service until the account is paid to date bringing it out of collections.   I have no recourse but to pay their fees or have my credit ruined apparently. I did an online search of Fortiva and many reviews state the company engages in this activity as a matter of practice.   I want to note that   XXXX    XXXX  was given my current address, phone # and email information. They delivered the initial purchase to me by truck approximate ly 2 we eks after my purchase, sent follow up emails, called me during the purchase process and nothing has changed.
I called XXXX customer service to advise them that I did not inquire anything or apply to any cards or loan with their company. The representative gave me an adress. I mailed them a letter and yet havent received a response.
I am attaching a copy of the investigation request we sent to the credit bureaus on XX/XX/XXXX.  They are supposed to respond within 30 days, but its been 60 days, and we don't have a response yet.
I applied for a loan and was told my credit was too low, I had just checked my credit score and it was XXXX. Upon checking my score through my Experian credit tracker I discovered my FICO score had dropped XXXX points in one day. I spoke with Experian who reviewed my report and could not find any reason for my score to drop so dramatically ; they referred me to FICO who would not speak to me. FICO claimed I did n't have an account with them and they could n't help me. I was told to call Experian back. Experian claims they get the scores from FICO. I would like to know why FICO dropped my score XXXX points in one day and there has not been any major changes in my report. I pay all my bills on time
We applied for a mortgage from CCO Mortgage XXXX to help my sister purchase a house. The amount approved was not enough so CCO Mortgage did a second mortgage from Charter Bank. We did not know that the XXXX were the same mortgage company. My sister could not afford to pay the mortgages because the interest rates were so high. We had to apply for a modification. After a lot of complications, CCO approved the modification although they charged a lot of interest and did not do anything about the second mortgage to Charter Bank. So, my first complaint is about CCO Mortgage. While this modification application was pending, Charter Bank sent a notice that its second mortgage was in default. They said nothing about a chargeoff. Later, Charter One send us a letter giving us two choices, one to pay 70 % of the balance and they would chargeoff the 30 % and the other to pay {$200.00} per month with no threat of a chargeoff, only that the {$200.00} would continue until payment in full. A copy of is letter is provided. Then, XX/XX/XXXX. I applied for a refinance of my home and was rejected because the credit report showed a chargeoff of the loan from Charter Bank. Charter Bank, now saying they are Citizens Bank, state that they charged off the loan XX/XX/XXXX The bank reported a chargeoff to the credit bureau but did not in fact chargeoff the loan but continued to keep it active charging interest so that the {$200.00} per month was applied solely to interest. A copy of a statement showing the interest charged is enclosed. It is my opinion that CCO Mortgage knew that my sister could not afford the mortgage but financed it anyway and then they created a second mortgage, which was really with the same company, to illegally put more money in their pocket and intentionally create a situation which we could not afford. They should have turned the purchase money mortgage down. Then Citizens Bank, acting as Charter Bank, reported the loan as a chargeoff without notifying us, and without actually charging off the account. The letter, copy enclosed, led us to believe that there would be no chargeoff if we paid the {$200.00} per month, which we paid faithfully. We have contacted Citizens Bank and requested that they reverse the chargeoff. They refuse to do this.
I applied for a mortgage loan on XXXX/XXXX/XXXX. I was denied, in part, based on ratio of balance to limit on revolving accounts and amount owed on delinquent accounts ( XXXX of attachment ). While I have managed to correct much of the incorrect information, I was unable to get XXXX Chase account corrected. on page XXXX of the attachment is a Chase account that shows a limit {$5000.00} and a past due balance of {$3200.00}. The problem is that Chase made a decision on XXXX/XXXX/XXXX to discharge the debt and cancel it as shown on page XXXX of the attachment, a XXXX which I paid federal and state income taxes on the discharged amount as required by law. When I received the credit report from XXXX ( XXXX of the attachment ) on XXXX/XXXX/XXXX, I disputed that there was an open account with a credit limit and balance past due as the report clearly indicates the account is closed, so there would be no credit available and since the debt was discharged there could be no balance, past due or otherwise. I received the dispute results from XXXX on XXXX/XXXX/XXXX ( pp. XXXX of attachment ) and it indicated that Chase verified the closed account with a credit limit of {$5000.00} and a past due balance of {$3200.00} with XXXX and XXXX XXXX had no record of the account. On XXXX/XXXX/XXXX, I contacted Chase to discuss the issue. The Chase customer service employees that I spoke to agreed that the account was closed, that there was no available credit and that the debt had been discharged. However, the credit reporting employee that I spoke to stated that since I did not settle this debt, even though the debt was discharged and there was no longer any attempt to collect, the past due balance would remain on my credit report for a full XXXX years because they could. I explained that I had settled XXXX other accounts with Chase, the employee checked and confirmed that was true. I asked how this could be held against me since this was Chase ' decision to discharge and I was never given the opportunity to settle this account? It was obvious that I was making every effort to resolve everything but Chase decided on their own to discharge this debt without an attempt to settle and now is holding it against me. He stated because we can. It is patently unfair for this account to be shown as having a {$5000.00} limit and a past due balance of {$3200.00}, when in fact that is false. Thanks in advance for your assistance in resolving this. XXXX XXXX
I have written a request to Experian Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be removed.
I am currently XXXX XXXX military and have been trying to obtain my secret clearance. On the process of doing so I found some creditors from accounts that my ex-wife opened without my knowledge. Two of the accounts were from the same Creditor by the name of XXXX XXXX. When I called XXXX  to find out where the debt was from and see if there was anything I could do to resolve the account they told me that they didn't have the contracts or agreements of the loans. They simply had a letter with very vague info stating the amount owed on the loans. The account number XXXX  that was charged off was for the amount of XXXX and they want XXXX to settle the debt. The other account they claim is mine is XXXX  in the amount of XXXX XXXX to settle. They do not have proof that the accounts were opened by me and the accounts are no longer on my credit report.
This communication is in reference to Experian Credit Reporting Agency, in regards to mishandling of my credit report and allowing information to remain on my file. I have presented documents receive from data furnisher to Experian. They still have not deleted the information from my credit file according to Federal law ( FCRA ). I have sent several certified mail/ return receipt requested dispute to Experian. Recently, I even sent a dispute to the CEO of the company XXXX XXXX XXXX. I can not understand why the following accounts " XXXX # XXXX & XXXX XXXX XXXX # XXXX have been permanently deleted from Transunion and Equifax reports, but remains on Experian. Even after presented relevant documents and copies of other XXXX Credit Reporting Agencies showing deletion of the same accounts. I do not deserve to have misleading information continue to report on my credit file after presenting proof to Experian and know response to several certified mailings within the last 60 days or more. They have ignored my disputes and any/all documents pertaining to my query. Something seriously needs to be done about the American Credit Reporting System. Creditor 's and Credit Reporting Agencies have ben unfair to consumers for to long. Failure to comply with federal regulations by credit reporting agencies are investigated by the federal Trade Commission section 15 USC 41, et. seq..Please assist me in any way possible to get this matter resolve amicably. Thanks for your time and attention in regards to this urgent matter. I am trying to refinance my house, the bank do not want to see inaccurate information on my credit report. I am running out of time. I have be dealing with this issue for sometime now. These are the same companies that was on my other reports, Explain why Experian is still listing this account on my file.
Bottom line is this has been the worst brokerage and banking relationship I have ever experienced. Considering I have always attempted to try to build a solid relationship with any company I deal with, in this case, being with Scottrade, especially in the end, it was highly disruptive to my life financially. 

A day ago, this company closed my account without warning, claiming I was using my account for business purchases and that it was company policy to do so. Sure, there was much activity in my account. But who 's to say I was making these purchases for personal reasons?! And further, who the heck tells me how to spend my money?! I work XXXX hard for the money that I both earn and trade, and it carries heavy weight in my everyday life. So when Scottrade XXXX my account with an over {$60000.00} balance, it created a strong hindrance from that point on. 

Bill payments had to be delayed, and simple everyday operations had to be placed on hold. Never in my life had I receive such low disregard and terrible treatment for a loyal customer. And to further the disgust of company operations, when I wanted to speak with a supervisor about all of this, I was transferred to my local branch instead and had to deal with a middle associate. 

I would love to point out that there were n't any illegal transactions made, no negative balances occurred, or no tainted or disrespectful conversation or acknowledgment toward staff. I honestly ca n't think of anything I did to deserve this type of treatment. I only made purchases and completed needed transactions when I needed to. I only used a bank account in a way that a bank account was used for. Overall, this company should be much better than it is. And I would n't return within its ranks, even if it paid me $ XXXX to do so.
The week of XXXX XXXX, 2016 I made a call to CitiCard Customer Service to proactively call and let them know my credit card payment was going to be late for the month of XXXX because I had transitioned into a new job and was waiting for my first paycheck. I requested for the customer service rep. to provide assistance with a forbearance, due date change, or forgiveness due to my situation. The customer service rep. assured me that I would have nothing to worry about, thanked me for my due diligence of calling in to let them know my payment was going to be late and that if I were to receive a late charge I should call back in to request for the XXXX late charge to be removed. This evening, XXXX XXXX, I called to request for my XXXX late charge to be removed, explained my hardship again and explained I will not be late going forward and I was told that my payment was late due to my own error and not a bank related error they would not be able to assist me. I find this unbelievable that a company would treat their customer in this way. I could have just avoided them for a couple of weeks until the payment was withdrawn from my account, but I did n't. I gave them notice that I was having a small and temporary hardship and I feel like they took advantage of me. They basically assured me that my account would be okay and mislead me to get me off the phone and on to the next customer call. Due to this, knowing the risk involved I closed my account immediately further damaging my credit, all because this bank wanted to take advantage of my situation. The sad thing is I know I am probably not the only person who tried to do the right thing and be proactive, but for what?
For two years I have submitting docs to Phh mortgage to obtain modification. They just kept asking for more docs. On XX/XX/XXXX I received denial of modification because they refused to use a portion of my income and r refused to offer an opportunity to appeal. Also the desktop appraisals they keep using are highly inaccurate. I see no real report just a value that is more than {>= $1,000,000} over value I need to stop this foreclosure.
The FCRA states that the ONLY permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) court order. 
The following inquires are related to none of the aforementioned permissible purposes. 
XXXX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX
On XX/XX/2018 a person using my name opened six accounts at WELLS FARGO BANK Numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Each have a deposit of {$1.00}. They claim to have called me. I have no records of any call. WELLS FARGO refused to give me the telephone number they call ( and that they have on record ). Neither of my two phones I read to them matched the phone they claim to have used to call me and they refused to give me the number called. 
On XX/XX/2018 a received a check from WELLS FARGO in the amount of {$1.00} for each account ( total {$6.00} ) indicating that the accounts were cancelled. 
In the telephone conversation on XX/XX/2018, WELLS FARGO BANK informed me that the accounts where indeed cancelled on their initiative. After my complaint of they accepting to open such unusual and perhaps fraudulent accounts they promise to investigate. Case Number : Wells Fargo # XXXX. 
The documents opening the accounts had my correct name and SSN but a incorrect Drivers License number. 
It seems that my identity was compromised and that WELLS FARGO colluded with the person to open the account to make it appear that 6 new accounts have been opened. 
WELLS FARGO accepted opening the accounts by a telephone call on XX/XX/2018 by someone impersonating me without proper checking of identity.
I got a title loan from Cash Time and completely paid off on XX/XX/2018 and they are refusing to release my title and have tried several times to speak to some one in  a higher position and the representatives ( XXXX ) refuse to provide me information or transfer me, the representatives act very unprofessional and untrustworthy I don't know at this point if they are trying to steal my car and i need help.
I am filing a formal complaint for XXXX XXXX XXXX falsely reporting my account to collections to the credit bureaus for debt that I do not owe. 
Attached to this complaint, you will find a copy of our original payment arrangement agreement, as well as proof of payments. In XX/XX/XXXX, I was not billed even though Midland had me set up on automatic payments to be withdrawn on the XX/XX/XXXX of each month. Midland sent me account to collections in the amount of {$730.00} when I only owe {$180.00} left on this account. It is clearly stated in our attached written agreement that if this payment contract is broken, that I would be sent to collections for the original balance, MINUS the payments made, yet they sent my entire account to collections. 
I called Midland on XX/XX/XXXX at XXXX PST and spoke to XXXX XXXX . XXXX was very rude and stated it is not his responsibility nor Midland 's responsibility to follow up with me regarding missed payments. I reminded him repeatedly that I am on an automatic payment plan, and he stated that since I missed a payment, I now owe the full {$730.00}, which is factually wrong, according to the disclosure printed on our payment arrangement. 
This account needs to be removed from collections since XXXX is falsely reporting me for debt that I do not owe. My three payments of {$180.00} and one payment of {$100.00} are not being recognized, so this account needs to be removed from collections immediately.
Complaint against National Commercial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX Toll Free : ( XXXX ) XXXX Telephone : ( XXXX ) XXXX FAX : ( XXXX ) XXXX NCS was withdrawing {$100.00} from joint back account for a year. When my relationship ended with that person he called NCS to change the bank account information that the funds were withdrawn from. NCS continued to withdraw {$100.00} from my account and refused to work with me to get the issue resolved. They maintained the payment was returned non sufficent funds, which was not the case as I have bank statements to prove other wise.

I attempted to talk with XXXX  who was rude, said he doesn't need to talk to me, and when I requested a supervisor he refused. NCS does not attempt to work with people when they have made an error and will not allow you to speak with a supervisor.

By them taking this money when they were not supposed to, it caused my mortgage payment to bounce and incur additional fees. I also lost time at work having to be on the phone with them.
On XXXX XXXX 2016 I closed on the sale of my home and in the process, {$5900.00} was held from my funds and in Escrow to pay off a debt that recorded in judgment. On checking my credit report it was found that this account is reported by this company but all efforts to verify this account has been exhausted and I am filing this dispute to obtain assistance in the verification of ownership.