WillisBack/dataset-financial-user-claim huggingface dataset:
Carrington Mortgage is reporting incorrect information to the credit bureaus. They have failed to correct my account balance and are still reporting an incorrect balance and that I am 30-60 days late on my mortgage and that I owe them money. I do not. I paid my XXXX payment on XX/XX/XXXX because they said they could n't get the money because I did n't put the correct account number which I know I did. I paid my XXXX payment on XX/XX/XXXX. Carrington Mortgage knowingly and unlawfully are not reporting the correct information to the credit bureaus. I believe this is intentional behavior.
Starting on or around XX/XX/2013 I started receiving harassing and threating phone calls and texts on XXXX from XXXX XXXX who works for XXXX XXXX XXXX. Prior to I never had a missed payment but I had traded in my XXXX XXXX XXXX which had been paid off by XXXX XXXX XXXX XXXX. I receieved email confirmation that XXXX  again had paid off the XXXX but someone XXXX XXXX after recovering payments on the vehicle still requested payments for the XXXX. Was told by XXXX XXXX XXXX XXXX backed out on the loan and wanted their check back. XXXX not only found me on social media but was stalking me on XXXX and everything else for 1 payment. All due to a trade in mishap. I eventually blocked XXXX.
Received a call from a local telephone number XXXX XXXX XXXX XXXX. After I answered a woman named XXXX spoke very fast listing my address and asked for me by name twice. I asked where she was calling from and she said Source RM I asked what that was and she replied it was a debt collector. I asked what her location was, she kept responding by asking " how do I want to pay my debt today? '' she finally replied by saying she was located in XXXX. I asked if she was calling from a recorded line ( as I live in XXXX ) and she repeatedly asked " Why do I not want to pay my debt? '' I asked again about the call being recorded and she sighed and said " calls are monitored for quality assurance purposes. '' I then said thank you and ended the call. The whole time the Source RM representative was very rude, hard to understand and seemed to be intentionally evasive.
I have reached the underwriting portion of obtaining a mortgage loan. My credit report was pulled from the XXXX credit bureaus. However, there is a discrepancy regarding my legal name with the credit bureaus. XXXX, XXXX lists my legal name correctly. Experian made my middle name into my last name and my last name into my middle name. My last name is just one letter. It 's an unusual last name. Experian refuses to change my name to reflect my legal name stating that their system can not accommodate one letter last names. Because of name discrepancy, the mortgage company has to disregard my Experian score and weigh heavily on my XXXX and XXXX. My XXXX score is currently XXXX. XXXX is XXXX and Experian is XXXX. I can not qualify for the loan program that I was trying to obtain. This is quite unfair. If both XXXX and XXXX can show my legal name correctly why ca n't Experian do the same. This is costing me extra money.
I opened a CD with CITBank on XXXX/XXXX/XXXX. I closed it on XXXX/XXXX/XXXX. It was a XXXX year CD. The interest earned was {$1600.00}. They charged me {$2100.00} in penalty. I think this is abusive. I am XXXX under extreme financial difficulties. Please help me on this issue. I can understand taking all my interest, but this is ridiculous. 
Account XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX.
On XX/XX/2016 at XXXX I spoke with a representative at Bank of America regarding a charge on my savings account she then informed me that XX/XX/2016 I was given a courtesy XXXX month {$5.00} fee waiver as my account had change that I will be charged a monthly service fee of {$5.00} if I did not transfer {$25.00} every month or maintain a minimum balance of {$300.00} in my account. XX/XX/2016 I did contact Bank of America to inquire of a charge on my savings account I was informed that if I conducted more than XXXX transactions within a billing statement I would be charged a service fee. I was not told at that time that my account will be getting a six-month waiver fee as my account would start being charged {$5.00} a monthly service fee if I did not again transfer {$25.00} to my savings account from my checking or maintain a minimum balance of {$300.00} in my checking account. On XX/XX/2016 I went ahead and also closed my savings account I also stated that I will be going into the bank the following day to close out my checking account as well. I have been a long-standing member of with Bank of America and for a company to change its policies on its consumers without notifying them is wrong and also unprofessional. A savings account should not have fees or conditions as its name is stated clearly as what it 's for savings, not being charged a monthly fee because I am not transferring a certain amount of dollar or maintaining a certain amount of dollar in that account.
So I get a promotional offer from USAA to use a convenience check, 0 % interest through XX/XX/XXXX with a {$75.00} or 3 % fee whichever is less I GET A NEW ROOF AND PUT {$9100.00} ON IT I have been a USAA member for 35+ years and never had a problem like this My XX/XX/XXXX showed a {$2.00} interest charge on $ I called on XX/XX/XXXX XXXX and talked with XXXX XXXX and asked how since I always pay off my new purchase balances monthly how did I get charged interest since my {$9100.00} does not start applying interest unless it Is not payed off in full by XX/XX/XXXX? 
She put me on hold, reviewed the offer and my account and came back after a few minutes. She agreed, removed the interest and said she would put in a trouble ticket to get this corrected so it would not show up again. 
My XX/XX/XXXX statement once again show an interest charge of {$4.00}. 
I called on XX/XX/XXXX XXXX XXXX XXXX XXXX? and eventually request to talk to her boss and get transferred to XXXX a Senior resolution specialist and after a 35 minute conversation she says the interest is correct even though I explained what was done last month and she cant expalin clearly why I am getting charged interest on a no interest offer. 
I ask her to put her boss on the line. We go through all the above and says the interest is on the entire account balance for how many days during that billing cycle, your grace period no longer applies. In short she says if you buying nothing else each month, your interest will be 0 % as the only balance is the {$9100.00}. 
The offer did not clarify interest is charged on new purchases, very deceiving and unlike other cards that would not charge any interest!
ASSET ACCEPTANCE , LLC TRIED TO SETTLE THIS MATTER XXXX, XXXX. THEY STATED THAT WE HAD NO EVIDENCE THAT THEY KEPT CALLING MY CELL NO. XXXX XXXX XXXX XXXX. SEE ATTACHED ATT RECORDS, 3 CALL 'S ON XXXX XXXX, XXXX. 

WE ARE BACK TO RE-SETTLE THIS MATTER WITH MONETARY VALUE, PLEASE SEND STTLEMENT AND RELEASE IN THE AMOUNT OF {$1500.00} FOR T.C.P.A. VIOLATIONS.
This card been reporting on my credit file for about three years, I went through the credit bureaus and I went through the original furnisher which is XXXX/TD bank, I informed them that this account was fraudulently obtained in my name they sent me out a fraud packet, well I think TD/XXXX sent this account to a third party and may not really be the collector however they are the ones that is reporting on my file .... but they sent me a fraud packet I filled it out paid my {$10.00} to have it notarized only to not ever hearing back from them, the investigation should have took no more than 30 days, I need them to remove this account from my file or send me the original contract for this account as stated in the fcra guidelines and I know they dont have any contract because I did not open this account .... I need them to remove this account this been going on way too long with no resolution, so I finally have to file this complaint before taking legal actions against this company ....
XXXX XXXX, XXXX XXXX and XXXX XXXX from MOHELA continue to send " bills '' even after an Identity Theft Report was filed against them. They continue alleging that I owe a debt. They continue with their Illegal Debt Collection Practices Under 15 USC 1692 ( E ) ( 1 ). I am the creditor as per 15 USC 1692 ( A ) ( 4 ).

They have no license to do business in Maryland. They keep harassing me by phone and mail. Who are they to override the above U.S. codes under the Fair Debt Collection Practices Act ( FDCPA )?
I was a XXXX. We had credit card issued in the XXXX name the XXXX dissolved and the XXXX where suppose to pay the credit card out of the asset of the XXXX. The other XXXX decided not to breakup the XXXX and not pay on the credit card. Without me even knowing Chase reported the default on the card with a charge off on my credit report. After several letters to Chase for for verification and correction of the error I have never received a response and it is effecting my credit history and my options on loans etc. I even tried to write them a letter asking for their agent service in California so I can sue them. They just wont respond. I decided to report them to the federal government in hopes I can get some response from them. Help!
I was admitted to emergency after an accident. Information was taken but my name was not spelled correctly so it was rejected and a bill was sent in the wrong spelled name not my name. I called and notufied them and the onsurance company. When submitted to my insurance company it was first denied because of wrong spelling not me. It was later submitted with correct spelling and was paid in full by my insurance company with correct spelling. I have not received any billing since paid in full through XXXX and insurance company. This should be removed from my XXXX credit report.
Couple different items occurred with Select Portfolio Services. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report.

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error.

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data.

It looks a lot like Select Portfolio Servicing is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.
Hello, on XX/XX/2018 I was involved in what I now know was a scam through the use of XXXX. The indidvidual who scammed me used the name XXXX XXXX, email XXXX and the phone number +XXXX ( XXXX ) XXXX. I was under the impression that XXXX was secure and would protect me since it was directly through my bank Wells Fargo. I sent {$200.00} for concert tickets and never received them. I even talked on the phone with the guy and he sent me pictures of his purchase of the tickets so I could verify authenticity. I called Wells Fargo 30 minutes after transferring the money, explained my situation, asked to cancel the transfer and they said there isn't much they can do but they would try to dispute it, however I have not been told anything. Please help! These people XXXX and XXXX needs to disclose that they are not like a XXXX at all!!!!
The following " hard inquiries '' are being reported by all three credit bureaus ; ie, XXXX, TransUnion, and XXXX. I did not authorize these inquiries. 

I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, AZ XXXX ( XXXX ) XXXX
I, XXXX XXXX XXXX XXXX, requested that Specialized Loan Servicing LLC provide proof of this debt by showing my proof of the note in a letter dated XX/XX/2017. SLS LLC stated in their document to me that they were only the service provider of this note in letter dated XX/XX/2017 signed by XXXX IDXXXX. I told them that this violated my original contract. TXXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX as successor Indenture trustee to XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX is listed on their letter as the current creditor. SLS has admitted that they are not the owner! I DEMAND SLS LLC show my original note that I signed within 5 business days of receipt of FULLY REFUND all of my payments, interest and fees to the account on file with XXXX XXXX ending in XXXX. Afterwards, release my lien and all closing documents to the address listed on file.
I pulled my report and found I had unauthorized inquiries on my account. I contact the source and they did nothing they said they had no information on my account. they have did nothing. I contact the Credit bureau as well they have not responded..
i received a citibank double cash rewards card in the mail. I thought it was a new bank card for citibank where i currently have a checking account. I went to the bank and deposited {$400.00} and the prompts on the atm where actually as they always are when using my other card, ie > asked me where i wanted to deposit, ,checking or savings, ,i chose checking and assumed it would be deposited in my checking acct.. the next day i deposited {$1000.00} dollars the same way..this time i went home to check it on my computer and saw only {$79.00} in my account which is what i started with ... I called the number on the back of the card saturday   XXXX   XXXX   and was told this is a credit card and the money went to my credit card. I explained that this was an error and i needed it refunded to my checking account to cover my scheduled bills as well as rent. I gave my checking acct routing and account number and was told it would be processed withi n 3-5 busin ess days. I called again on wednesday   XXXX   XXXX   and was assured that it was being processed by offshore location and would be in my acct later that day or early the next day..I called the next day Thursday   XXXX   XXXX   to be told that they were going to hold the full amount charged on the card in the amount of {$390.00} and would only refund me {$1000.00}, then they said they did not have my checking acct or routing number even though it was given to them when i initially  called..i had to le ave where i was to run home and give them the info again. I called the following day, friday   XXXX   to ask them what right it was of theirs to take full payment without authorization when their are extending me credit which means i am able to pay min amount due. Please note this is a new card and did not even have statement generated for me yet, so there was no negative or non payment history. After stating my case over and over they agreed to refund me the full {$1400.00} and send a statement so that i could pay the min or above as i wish ... .once again they needed my checking acct and routing number ( for the third time ) and this would now take anothe r 3-5 busi ness days ... .i called again on tuesday   XXXX   XXXX   to be told that they sent it to my checking account number but could take another  3-5 busin ess days to reflect ... They have basically run me around while putting all my other auto debit credit cards in jeopardy as well as my rent payments. I was forced to borrow money to cover what should have been in my bank to begin with, violated my rights to authorize my payments and continue to string me out with nonsense and lies ... I would really appreciate and hope that you will investigate their shady practices and put an end to it while imposing a hefty fine on them for robbing people without a  gun, but it is  still robbery none the less ... ..Thank You!  XXXX   XXXX
They are not applying my payments to the loans I am selecting causing my loans to default. I am not getting any help from AES
I sent Cavalry Portfolio Services a debt validation letter on XXXX XXXX. 2016. They ignored my request for validation and continue to make attempts to collect on a debt I am not sure I owe.
I recently received a denial letter for a store card that mentioned this CRA name XXXX XXXX and their phone number. I have around 15 months credit history in XXXX and have never missed a payment. All major main CRAs ( XXXX, XXXX, FICO etc ) have my rating above 700 but this CRA XXXX XXXX reported XXXX. Even thought they claim they have no part in credit making decision, they do influence credit making decesions with such low numbers in comparison with other XXXX. Something is not right here. I called them during business hours but they only have a voice mail. Their website is asking to send lot of personal information - copy of XXXX, XXXX proof in fax just to give me my free report. They should respond to phone calls about the credit reports but they do n't. I googled about this company and it seems that some people were asked for higher interest rates due to low rating by this company. Something seems off - either major CRAs are wrong or this company is purposefully doing wrong reporting or rating. Please investigate. You should also check if their are other similar complaint against this company XXXX XXXX.
XXXX XXXX paid in full still showing on my credit report cra violation inaccurate information
An account listed as XXXX on my credit report is extremely old and I have attempted to dispute that it because it is well past 7 years old and is not supposed to be reported to my credit file any longer because there has been absolutely no activity since XXXX 2008. I have disputed its acuracy and I have asked for it to be removed with certified mail various times. This account has kept my credit down and is affecting me very negatoivey. I have not recieved any adequate repsonse from Transunion and they keep sending me generic answers and do not verify the facts that I am expressing to them. Pkease, investogate this fro me. This account is devasttaing my life and is not legally allowed to be on my file anymore. Why are they keeping it on my file illegally? They have not verifed the dates that I have asked them to correct in order to see that this account has had no activuty n over 7 years. Please help me, someone. I have no options left.
I have had a XXXX  credit card since XX/XX/XXXX. 
Beginning particularly since XX/XX/XXXX, the website is so slow that it repeatedly times out when I try to log in to pay account. Other times for several days at a time it shows a basket icon and says that function is not available at that time. The end of XX/XX/XXXX, I could not even find out how much I owed on balance before payment was due, so I paid at store with a check for much more than I owed because the website would not take payment.XX/XX/XXXX, I tried repeatedly tog in with correct username in different browser and on different devices. For hours message said the website had an inactive script. It would not activate either login icon or " manage my XXXX ''. Payment was due XX/XX/XXXX. A few minutes after XXXX  I was able to log in with my username which was correct XX/XX/XXXX but it would not allow me to log in until XX/XX/XXXX. Thus XXXX  is fraudulently creating late fees which are a minimum of {$38.00} by not having its website function until minutes after payment is due.
Most of the time I pay off the whole amount each month. This summer I paid off only a portion, and - of course - expected some interest charge on the remaining balance. When I got the next two statements I was shocked to see that, even when my balance was negative ( i.e. paid off current amount due and had a credit for a returned item ) I was still charged interest. 

When I complained to to Capital was One I was told that this is their " policy '' - that whenever an amount is outstanding - the company charges interest for two consecutive months. My question is - on what? Why is such an abusive policy allowed here? 

I was informed that this is how it always has been that way - amazingly enough, it is true. I reviewed past statements and discovered that I do occasionally pay interest - on NO BALANCE due. ( statements attached ) This abusive " policy '' needs to be challenged. No other of my credit card companies employs such an abusive practice. " Banking re-imagined '' indeed! Thank you for your help in this matter. " XXXX XXXX
Credit Report from Quicken Loans. I have XXXX complaints on these negative items on my credit reports, and now they show up again and again. After I have been told they are removed.
requested lower interest rate on my account. was not aware my account had been revoked. have for the past 8 yrs have made payments on due dates i am XXXXyrs old and asked for a lower rate to pay off my debt while i am mentally able
Navient is XXXX of my loan servicers and I have been experiencing issues outlined in the current lawsuit against them. They took over my loan in XXXX./XX/XX/2016. They received my loan in deferment status ( going to school ) and immediately started reporting I was 6 months behind on payments. Recently I was able to get them to place the loan in deferment only to be notified the next week that my deferment would end in two to three weeks. I have had nothing but problems with them distorting facts and " playing '' with my loan essentially making it impossible for me to be on the proper repayment plan. Due to them reporting my loan being in default by 6 months has destroyed my credit.
I keep getting spam e-mail from ace cash express saying I owe them money for a loan i never got the letter comes from a XXXX XXXX they do n't send an address they say I have to use email or call them at XXXX and I do n't call numbers that I do n't know
I have a complaint regarding your ATM machine located at  XXXX   XXXX   XXXX   XXXX  floor at  XXXX    XXXX    XXXX   XXXX ,  XXXX , NY  XXXX .     I was at this location on  XXXX   XXXX ,  2017 , I tried to retrieve some cash from this Chase ATM at this location. Instead of giving me the cash I requested, this ATM machine got stuck, it swallowed my card inside of this machine, I was not able to get it out. I asked mall security guide for help, but security staff said it is  Chase 's problem, and I am the SIXTH CUSTOMER OF that day experienced this RIDICULOUS issue. They suggested me to wait 15-20 minutes to wait for this sta ggered machine to return the card to me.     I had an hair and massage appointment, thus I tried to cal l Chase customer service, but I was not able to get through to talk to any live person helpful to this situation. Thus I had to wait at mall for 20 minutes, missed my hair a nd massage appointment to get my debit card back.     I complained to m all manager about this horrible experience, the mall manager t old me that this is not the mall 's problem. It is Chase provided bad ATM machine, they had NEVER SEEN any bank ATM machine swallowed up customer 's ATM card and causing customers EXCESSIVE AMOUTN OF TIME to wait. None of the customers on that day received any cash from the machine, they indicated this issue had been going on for a while , and Chase  failed to check into this regardless multiple customers experience hassle and difficulties.
I had attempted identity theft and had a LOT of inquiries opened under my name and ca n't get them removed.