WillisBack/dataset-financial-user-claim huggingface dataset:
I have b een complaining to the company and the CFPB for years about the lack of annual fee notice and Capital One 's fees. For some reason, they have listed my previous balances as mainly cash advances. However, I have not made any cash advances in about a decade ( 10 years ). They have been charging for purchases and also labeling them as cash advances. I have not had any cash advances in a very long time ; cash advances fall in the 25 % interest rate. There is no way I have had a balance of cash advances for over  {$2900.00}, I only spent money on purchases, and only a few cash transactions years ago!
Since last Friday, XX/XX/XXXX, I have been trying to get a pay off quote from Planet Home Lending to refinance my mortgage with another lender. 

I was divorced on XX/XX/XXXX and my ex-husband 's name and my former married are noted on this account. 

My name was changed on XX/XX/XXXX. Planet Home Lending received my caurrent and valid dl, the divorce decree that also states I was awarded this property and the court order that I must refinance the property under my name and a XXXX they required I fill out and submit. 

Planet Home Lending has not had any problem accepting the monthly mortgage payment for the past 20 months from my checking account that has only my name. 

As of today, XX/XX/XXXX, they have not complied with this request. This has cost me more money for the daily Interest charged on the Principal balance and have delayed the refinancing of this court ordered decree. 

The account # is XXXX. 

Thank you.
" " '' I have disputed this collection on this XXXX   XXXX  for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I've been communicating with Experian for months about items they have listed on my credit report. I've reached out to the original creditors and none of them have any documents linking these accounts to me. So when I asked Experian to provide me with some sort of method to show me how they are verifying that these accounts are mine, when the original creditors don't have this information, and they refuse and dodge the issue for months. 

They did the exact same thing in response to my most recent complaint - other credit reporting agencies removed these false accounts because, when I asked them to produce documents or provide methods used to show that this information is mine, they couldn't because there isn't any. 

I've gone to the original creditors to provide information linking these accounts to me, and they don't produce it so they don't have it. 

So my question - and my issue is - how does Experian justify having this information on my credit report? I don't give a XXXX how differently you interpret the FCRA, what is clear is that I have the right to ask you for any documents or proof bearing my signature linking me to these accounts. And in the absence of this proof, you are supposed to remove this information from my reports. 

That is the issue. Not repeated requests - one request : show my your paperwork. 

Not about what other CRAs have done, they followed the law. 

It's not that I didn't go to the Original Creditors - I did that and that's why I know there's no documentation linking me to these accounts. 

So, either provide me with documents stating that the accounts you're reporting are my accounts, or remove them from my report.
I had an auto loan with Ally Financial from XX/XX/XXXX through XX/XX/XXXX which is now paid and closed. Back in XX/XX/XXXX I made arrangements to skip my XXXX payment and have it put to the end of my loan. I also made my XX/XX/XXXX payment With a customer service rep via phone on XX/XX/XXXX due to my wife being in the hospital. The Rep assured me that because i made the payment before XX/XX/XXXX although the payment would not post until XX/XX/XXXX. Because XX/XX/XXXX was a Sunday That Ally Financial would not report my account as being paid 30 days late. 5 years go by and I recently checked my credit reports ( XXXX, XXXX, And XXXX  ) and see that Ally Financial actually did report the account as being paid 30 days late for XXXX & 60 days for XX/XX/XXXX. Which is incorrect
I started the refinance process on my second home with Wells Fargo in XXXX. As things were winding down to completion I contacted Wells Fargo XXXX XXXX XXXX XXXX ) in XXXX and asked, '' What will happen to my old escrow? '' I was informed that it would be rolled over into my new escrow. I was okay with that process. However doing closing as I examined the paper work I saw the escrow amount that I thought was being rolled over for me. Yet when I tallied all of my cost. I was paying into the initial new escrow account and it was being added to the closing cost which was added to my principle balance of my new mortgage loan from Wells Fargo. I expected the old escrow balance to be a reduction to my new mortgage balance because that was my money originally or be refunded back to me. I have been communicating with my initial Loan Consultant XXXX XXXX asking her for assistance in clearing up what happened to my old escrow balance. Her initial response was it was rolled over into my new escrow. She sent me an attachment to verify this. I informed her that the amount she was showing me I was repaying that as part of my new mortgage balance. My question was how can I be responsible for repaying for the use of my own money? I believe that should have been a credit. My consultant told me she would have someone else contact me to explain. One week later I sent her another correspondence via email asking for another contact person who worked with my loan because no one had made contact with me. She gave me XXXX XXXX XXXX 's name I have yet to hear from XXXX XXXX since I started to have questions concerning my old escrow. I started asking questions on XXXX XXXX, 2016. Since I did n't hear from XXXX XXXX I called and asked to speak to someone over closing. I explained to him the situation regarding my old escrow. He told me they would have XXXX XXXX and XXXX XXXX XXXX on the telephone together talking to me to take care of this situation. This phone call collaboration did not occur. One week later I received an email response from XXXX stating that the old escrow amount was deducted from the new mortgage loan in XXXX. I explained to Cigee that I made XXXX additional mortgage payments during the closing process, therefore my mortgage balance should have been reduced minus an additional {$300.00} dollars because I pay an additional {$100.00} on principle balance per month and that the numbers did not add up. I asked XXXX to send me documentation to show that my old mortgage amount was deducted from my new mortgage balance. This information documentation was not noted or identified in the paperwork I received during closing. It has been one week since I made my request to XXXX XXXX to have someone provide documentation to show my old escrow was deducted from my new mortgage balance or what happened to it. Why was n't that part of my closing documentation? I need someone over the closing department to contact me and to ensure that a situation like this is clear during closing or before.
Last week, I received a message when I tried to login to my Chase account online that told me my checking and savings accounts were being closed. I immediately called them and they confirmed they were closing my accounts, but they couldn't provide a reason why. I then went into the closest Chase branch ( where I had opened my accounts ), and tried to get my money out. The banker there told me she could not give me money. I had XXXX in my accounts, so this is not a small amount of money. She gave me the same number I had called before and told me to call them. They told me they are holding my funds while they investigate my accounts. I'm not sure why they even closed my accounts in the first place, but it is ridiculous that they can hold my money after they close them. I want a check mailed ASAP for the balance of my accounts so I can pay my bills. Thank you.
I took out a student for XXXX college XXXX yrs ago they kept raising the tuition so I quit and went to a community college. I started receiving these bills from a collection agent CBE group stating that I owe {$11000.00}, I was at XXXX for maybe XXXX semesters. I tried to work out a payment plan with CBE Group to pay off the loan, they told me I have to pay {$150.00} per month, I told them that was too much I do n't make that kind of money. Upon my first payment they took {$150.00} plus an additional {$200.00} that I did n't authorized. Then they started calling my job all day every day ( I work in retail ) and my cell phone. Now they 're call asking for my XXXX. I refuse to give them my tax return, XXXX, paystubs and other private documents. I 'm on a payment plan with them and I 'm still receiving all these phone calls. Please I need them to stop calling my job and I do n't owe {$11000.00}.
I called to ask questions about the programs and was told that I had to be a student to get the information. I asked if it was a good program and the rep said that University XXXX XXXX has a contract or affiliation with the government for XXXX XXXX XXXX students. The graduation rate is over 85 %. Because I am low-income, I would not have to pay back the loan, unless I graduated with a diploma in my field. My starting salary would be over {$40000.00}. I also was told that I could cancel the contract after 30 days. The contract had to be signed that day. The contract was emailed to me at XXXX. I printed it, signed it and took it to the library to fax it. I was never able to cancel the contract. I filed a complaint against XXXX and Navient. XXXX finally sent me a copy of the contract. The contract XXXX sent had no signature, date of birth, driver 's license number and had the wrong email address. Navient had the lawsuit dismissed XX/XX/2018 for jurisdiction (? ) I couldn't really understand it. I only signed one contract, there are 7 loans. I don't know what else to do. I am still low-income and have no way to pay this loan back. I am a XXXX, on medicaid and section 8.I would like to try to make my life better but this loan is more than I can handle.
I spoke with one " XXXX '' from the credit/reporting department at MOHELA at which time I asked her why I was reported 90/120 days late without a 30 or 60-day report so that the issue could be addressed sooner. She graciously explained federal reporting requirements. I advised that I wasn't contacted prior. However, she suggested that it is MY responsibility to update personal contact information with MOHELA. Branding me with culpability was premature and unnecessary. As it happens, I am on a temporary job assignment with XXXX, my employer of approximately 5 years. I am out-of state sporadically for work and I requested forwarding for all applicable XXXX addresses to XXXX  so that I would not miss any mail. I asked what address they were contacting and she provided addresses that were several years outdated that I had never furnished to MOHELA instead of the most recent that actually had. As a consequence of correspondence being delayed, I lost 168 points on my credit score. I did not receive any emails. I did not receive any phone calls or at the very least any voice messages from any representative at MOHELA, yet this representative by the name of XXXX suggested that the 90-days late reporting was justified because " nobody could get in-touch with [ me. ] '' Regardless of the account being current at this time, the negative impact on my credit history is a present issue. Before it is asked, I had not made contact with MOHELA sooner because I had been planning my return to school.
I have been making payments to XXXX XXXX since XX/XX/17 and due to the government putting a forbearance due to disaster near or far away from me, i am having to call each month to remove it. i was not affected by a disaster and I am not ok with someone else deciding for me I need forbearance. I have not approved it nor can I call anyone to end this process. The customer service are trying to help but the account continues to have money moved around and I am getting monthly reminders that I have missed a payment only to find in the account that I did indeed pay it on time. I cant get a number to call with the Department of Education to end the forbearance. I am not approving this and I want my account to be cleared so I can pay my on time payments in peace. I spent 1 hour on the phone trying to fix this 2 times in 2 months. Today a forbearance was put on my account again and my payment due was changed. I have no information in the account about this. Correspondence is sent after my account details are changed so I am getting info after it has been applied. Again without my approval. I want to be informed before something is happening not after. My calls to customer service have to happen to stay informed and are a waste of time on both ends. this system needs to be changed.
My loan was modified back in XXXX. However shortly after the modification and for over 2 years after it happened, they reported me late XXXX payments. I proved that I had n't missed the payments. However, they did n't correct the situation. Back in XXXX XXXX, I finally got someone that was able to help and clear the past dues and promised me to clear my credit history with the credit bureaus. 
My credit is still wrong after 8 months and now as of the load statement of XXXX XXXX, I now have another past due balance for {$1800.00}. 
I asked Bayview to send me what they sent the credit bureaus to correct my credit and also to receive a letter where they tell me when they will be giving me an answer and hopefully a correction for the fees that are showing on my statement. 
They sent me one saying that they will be giving me an answer by XXXX XXXX. I have not received anything else. So I called today and spoke to XXXX, who is giving me the same answer as XXXX did a month ago, " let me look into it ''. 
XXXX said he would call me in 2 days to give me more information, which is again what XXXX said. He also said, the fees are fees I owe for attorney and appraisal fees, and he doubt I was going to get the waived and that they were just in a different place on the account and that is why I had n't seen them. I asked him to provide proof that they disclosed these fees as of a truth of lending disclosure or anything in writing that they provided to disclosed those fees during the modification. I also mentioned, they told me that all fees were rolled into the load. basically, all fees they were reporting me owning before the modification, they put them as part of the loan and now after over 3 years they are charging them as past due. 

please Help, I am so XXXX out about this, and with the inability of having my credit fixed for the last 3 years, I am still unable to do anything with any other creditor.
I 'm trying to get a refinance on my car loan. I 've had it for 2 years, and they wo n't lower the payment. They keep sending me threatening letters and wo n't help me. I need my vehicle and have been struggling with the high payment. I need to get in lowered.
When I got my job at XXXX 3 weeks ago, I was ecstatic. I had no income for the past 6 months and my girlfriend has been supporting me. I reached out to Citibank and went through the process of getting everything set up. Today, I got my first check and wanted to take my girlfriend out to a simple nice dinner. I Googled to see which was the closest Citibank branch, to only discover that there are more Citibank ATMs here in XXXX XXXX than there are branches. I found one near our home, so after work, my girlfriend picks me up & we both decided to go deposit my check. 

Upon our arrival, we see it 's a XXXX XXXX store ; we were n't sure until we see big CitiBank posters in the window, so I thought it was a legitimate Citibank ATM, located inside of the store. After I deposit the check, the ATM spits out a receipt, showing the Amount Deposited, however the Available Balance is {$10.00}. Floored and not happy, I called customer service department and they say that my account was frozen by The Citibank New Account Department because of a paperwork I did n't provide. No call, no email & no letter in the mail telling me this? And you still send me a debit card, PIN, Checking Account number & Routing Number? 

So, we went home and I I 'M Citibank 's customer service, he refers me to Citiphone ( XXXX ) XXXX. The Customer Service lady explained to me that because I went to another banking institution, that I will not be able to have the rest of my money until the following Friday ( XXXX XXXX ). What other bank institution? The Citibank logo in on the machine. 

I asked her if a partial of the funds can be released ( {$100.00} ) at least to buy food for the week. She could n't and referred me to call a branch in the state of XXXX ( XXXX ) XXXX and maybe they can me. Are you kidding me? 

This is the worse bank experience in my entire life.
Experian is currently reporting an open collection account from the company XXXX XXXX on my credit file. I have no knowledge of why this company is reporting this debt on my file. I do not owe this company anything. The lease was turned in on time and whatever charges were remaining they were paid in full to the finance company. its reporting as a {$0.00} balance. i tried disputing and they will not reinvestigate or provide me with proof of the investigation. This company has no right to report an non existent collection account on my credit file. Its not being reported by no other bureaus from Experian and they will not disclose to me the verificaton that this debt is in fact mine. i do not have any knowledge of this debt
I paid my mortgage to Rushmore Loan Management every month on time and then XXXX comes around and they said my check was returned. I sent them a copy of my bank statement showing them it did not get returned and then they went on to tell me its from a missed payment from previous company before my loan transferred to them.I think it's downright wrong to make my current payment ( XXXX ) returned due to something from previous company, which that was not even true. but yet and still I made a payment while they look over proof that I did not miss a payment with them either. So I made 2 payments. 1 for XXXX and one for XXXX. In XXXX I still had no answer so they again asked me for proof. I called previous mortgage company and they said there was no missed payments. So In XXXX I sent them over Every statement showing auto draft of mortgage payments from XX/XX/2018. NONE MISSED!! Now we are almost at XXXX and they have still not fixed my payment history nor taken off the fees they said will be removed once I proved my payment was not missed! They are still requesting me to make 2 payments to cover the payment I NEVER MISSED!
Express Recovery Services operating in XXXX XXXX XXXX, UT reported outstanding medical bills to the credit bureaus in early XXXX. I never received any contact from original creditor or from the collection agency. They have violated FDCPA 809 ( a ). I found out about this when I pulled my credit mid to late XXXX. When I called Express Recovery Services to get more information I was told over the phone that if I didn't pay I would be sued. I requested a pay for delete from my credit report, but they have not removed this from my credit. It is listed as Paid with still negative impact on my credit.
My mortgage is with XXXX. In XXXX, I asked that my escrow account be returned due to missed payments for real estate taxes. At that time, I ceased paying the escrow amount and have made the principle and interest payments on a timely basis. I have made all payments for real estate taxes and insurance, but XXXX has been applying my mortgage payment to escrow or just not applying the payment at all. The result is an escrow account of over {$4000.00} which should have been applied to the mortgage. XXXX is reporting me as over 120 days delinquent. I have provided Equifax with copies of my cancelled checks and they refuse to correct the situation. 

In addition, the phone number provided by XXXX to follow up on this issue is incorrect. My payments have resulted in my FICO score going from XXXX to XXXX. The only blemish on my credit forever is XXXX. I was never notified they were drastically reducing my rating nor did they provide me with the opportunity to refute the reporting. The system defies reasoning and does not protect the consumerI have documents which have been provided to Equifax, but can not up load them. Give me an address and I can mail the hard copies
Caliber is my mortgage company for my primary and only residence. Last year and this year, the mortgage company did not pay my property taxes ( although they are impounded into escrow per our contract ).

Last year, after discovering my property tax bill was in default, I contacted Caliber who eventually paid the default bill. Caliber responded by raising my monthly payment and forcing me to pay $ 500+ in late propert taxes. This year I discovered my property tax bill was once again in default. Despite me paying my mortgage on time, Caliber has not paid the taxes or responded to my many request. I am in great fear they ( Caliber ) may not pay the default tax bill or raise my mortgage once again despite the valuation and tax rate remaining the same and a fixed FHA loan. I can not afford for my mortgage to be raised again.

I believe Caliber is committing fraud. Please help my family and I.
We live in a FEMA declared federal disaster area in Louisiana ( Flood ). Was told by Ocwen, the company that holds our mortgage, that we could enter into a loan modification program set up for everyone effected by this disaster to help them get back on their feet. The plan was we did not have to pay our monthly mortgage for 6 months, and that the amount would be added to the end of our loan. We asked if this would affect our credit in anyway, and were told no it would not, so we agreed to the plan. Fast forward ... went to buy a new car and found out Ocwen reported each month as late/not paid! Contacted them via phone and was told they did not report anything negative on our credit, even as we looked at the credit report printed by the car dealership and read it to them to prove otherwise. Furthermore, today we went to our bank XXXX to see if they could help us by taking over this load and we deal with them, they said yes, until they pulled the credit and found out Ocwen 's reporting took our good credit of XXXX and dropped it to XXXX!!!! So, this company that was willing to help their customers in the flood disaster, then turns around and screws us! We have spoken with them several times over the past two weeks, each person has something different to say/lie about, and none of them are on the same page with information. Also, they lied about adding the payments to the end of the loan, and now expect us to pay a double note each month for the next 6 months of {$2000.00}!!!!! AND will continue to report to the credit bureaus each month as delinquent!!