WillisBack/dataset-financial-user-claim huggingface dataset:
US Bank failed to process payment for a credit card I have with them, then reported late payments to the credit reporting agencies. I attempted to pay on XXXX XXXX 2014, XXXX XXXX 2014, and XXXX XXXX 2014. Because of misleading statements and actions by their representatives, my account has negative information. 

Details : I had an auto-pay setup that was working fine for months, then a payment was returned for insufficient funds. I tried to make a payment over the phone to one of their reps, long before the " 30 day late '' period. He took my debit card information and went through the motions, letting me know that my payment would be processed. Weeks later, after learning that there was no attempt to debit my account, I again called and spoke to a representative to took my payment information and sent me on my way. This happened repeatedly, and each time they neglected to process my payment. 

On my third call, I was transferred to a manager who informed me that there is some policy where payments ca n't be processed over the phone after XXXX comes back with insufficient funds - that I had to go into a branch to make a payment. At this point my account was many days past due, and it was showing on my credit report. Because of the misleading actions of their reps, I have negative info showing in my account. 

Additionally, I have a witness for all calls and the trip to a local US Bank branch to sort it out. After a thorough conversation with a US Bank representative, it appears that they have conveniently deleted any record of my conversations with them in 2014. I 've gone through their normal process for disputing this, with no results. I do n't know what to do from here.
XXXX sold my loan as of XX/XX/2018 i received a letter middle XXXX stating such, They sold my loan to Specialized Loan Service LLC XXXX this company has not only never sent me any info, ,After many calls to XXXX XXXX i got the new loan number and just mail certified mail, Ive called for 5 days never to chat went on line like XXXX XXXX told to do to XXXX  sight says i dont have a account,, The rules state they suppose to contact me within 15 days of date new service. They did not. The complaints on ; line scare me, and 364.., They should be check out,, When i phone got code and said i have not paid XXXX payment ... I paid XXXX  this payment and have print out to prove this,,, ,XXXX XXXX got my loan XX/XX/2018 But wouild not even take a payment stating my account was not active///// ... Please help me i dont want the company to mess up my go credit,, XXXX XXXX XXXX XXXX XXXX
AFNI is reporting and attempting to collect on a debt that was covered by the VA. I do n't have any medical bills ever. As a veteran all my medical is covered under VA.
last year i was something inaccurate on my cbr and i contacted this creditor to get this resolved i sent them a copy of a police report and a letter stating this was identity theft. They are now asking for me to submit this info to the support desk at XXXX but its not working when i contacted the company they were extremely rude and would n't provide a alternative to submit my police report for this fraudulent claim
XXXX XXXX XXXX XXXX is not reporting complete and accurate information to the credit reporting agencies. On Experian, XXXX XXXX XXXX is reporting as delinquent majority of 2018 while on XXXX, they are reporting as failed to pay. XXXX XXXX XXXX isnt reporting any payment information with XXXX. The issue is that I have disputed this item on all bureaus but the results always return as verified as accurate. If the information on one bureau is reporting incomplete and inconsistent information on the other bureaus, how is any of the information verified as accurate? That just shows the negligence on the part of the credit bureaus exposing that they did not thoroughly perform an investigation. Attached are screenshots showing the inconsistencies across the bureaus.
please remove this account it over 7 years so please. i have ask all XXXX credit reporting agency to remove to no evail.this account was open in 2007
Discover Loans +   XXXX   student loans ( multiple over {$20000.00} paid in full ). ALL PAID in FULL but Credit reporting agencies still show open on all after 41+ days. Discover an d  XXXX  were no help after many direct phone calls during the last few days and last week.   We have account numbers and all needed INFO to Identify. These companies were impossible to work with to clear this matter.   Please Help. Both Parents have co-signed to help children.
Collections : CBF/XXXX Creditors Address:XXXX XXXX XXXX XXXX , NM XXXX   Account Type : Collection Agency/Attorney Creditor Type ; Rental/Leasing Placed in collections:2013-XXXX Amount Owed : {$2500.00} Account Rating : Collection account This Debt was result of identity theft!!

Please help me, I can't solve the problem, I am troubled.
This is the 2nd time I'm submitting this claim because after I submitted it before under complaint # XXXX. The feedback was to follow up directly with the company. Not only did I reach out the company yet again with a letter, along with an affidavit, but I still have yet to get a response of a deletion from the credit reporting agencies. This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly with the company on XX/XX/XXXX & XX/XX/XXXX.
My checking account with Wells Fargo Bank , N.A . ( Acct XXXX. XXXX - Account Name : XXXX XXXX ) has been charged {$14.00} for a " Direct Connect Fee '' that shows up on my statement as a XXXX Banking charge from XXXX/XXXX/2014 to date. I never used this service and was enrolled in error. When I try to complain to Wells Fargo, various telephone transfers move me from XXXX department to another with no one taking responsibility to correct the problem so I ask for a physical mailing address and they REFUSE TO GIVE ME A MAILING ADDRESS.
Delete, delete, delete.. ALL bureaus are suppose to have physical copies of all documentation from the creditors for the accounts they choose to report. So by not having a sign contract with a third party collection is illegal for them to collect on a debt, that 's " not contracted '' with them. Last but no least, THE RIGHT OF SUBROGATION DOES NOT EXIST FOR A STRANGER TO THE TRANSACTIO
N. 73 AmJur 2nd, Section 90.
3rd party collectors are NOT ON ORGINAL CREDITOR CONTRACT!
Never sign a legal binding contract : .Cant show internal verification, so please delete immediately. " so Canceled contract '' as another dispute reason .They do not have a contract with the entity they purchased the debt from along with contract rights.
They originally called stating that they were representatives of a federal agency and that my file was subject to a criminal complaint. They would call from different numbers and use different tactics to get me to think i was in trouble with the law. The debt remained on my credit report months after i paid it. I have disputed it and talked to the collection agency. They indicated that because i disputed the account, they had to send info on the amount i previous owed without stating that the account is paid off.
I have been attempting to get CitiMortgage to refinance an ARM mortgage which currently has a low interest rate. I have contacted CitiMortgage throughout the past few years while the interest rates were low to get out of this loan product. Due to the fact that my loan is not backed by XXXX XXXX and XXXX, they contend that they do not have any options. I have sent several letters requesting a lender option modifiction since the loan guidelines do n't meet their refinancing guidelines as I have been been told in the past. The goal is to get this mortgage in a 30 year fixed mortgage. I would like to the keep the property and have n't been late on the mortgage. If the interest rates rise higher, it may create a problem, depending on how high they go. I would rather be in a fixed 30 year mortgage which would be beneficial to both me and the lender for the long run. With your help, I am seeking relief in the form of consideration of a lender option modification which I am aware can be done since there are n't any guidelines to prevent CitiMortgage from doing so.
Convergent is attempting to collect on a debt, however they have presented no written agreement or contract with my wet ink signature proving that I contracted with them and that I owe said debt.
I have not been able to find out if my child 's SSN has been misused, but since her number was in the XXXX system at the time of the breach, I am concerned. TransUnion will not let me have a report on her, and I do n't know what else I can do.
On XXXX XXXX, 2017, Equifax experienced a massive data breach, which put over 143 million million people at risk for identity theft. 

According to Equifax 's records, I am one of those people. Hackers have my social security number, birthdate, address, etc., which they can use to destroy my credit and everything I have worked for. I 've known people who have had their identities stolen, and it 's taken them years to get their lives back. 

This should not have happened -- not to a company that 's in charge of incredibly sensitive information. 

Also, Equifax is offering me ID protection in exchange for an arbitration clause, which I believe is unethical.
Navient would not let me have a lower monthly payment or work with me at all when I had my son and I was unable to work. They kept calling me asking for {$50.00} for a forbearance and told me that was the only thing I could do if I could n't afford the high payments. I recently got a littler frommthem stating my account was under litigation review. When my mom called them they told her that the situation would go away if she just paid {$50.00} on each loan to put the loans on forbarence.
I have been using this credit card for over 15 years in good standing. Recently my daughter ( who is an authorized card holder ) was travelling and when she tried to use her card it was declined. She was stranded away from home without the ability to use her card for necessary purchases. When I contacted the company they only said that it was closed for " security reasons '' and would not be able to give me any more details. I have no idea if any fraud or other criminal activity was perpetrated on my account and I do not know if my ID has been compromised, since the company will not give me any further details. I also do not want any negative information to go to my credit report without my ability to even defend myself.
XXXX College : XXXX XXXX, PA XXXX failed to make the extremely high interest rates of Genesis Lending Services, that I was not told they would be that high. I was threatened multiple times to lose my loans and be kicked out of the school, since I could not afford the interest rates that you have to pay while you are enrolled in school.The financial department at XXXX ( XXXX, PA ) honestly told us nothing about the lending service. Next thing I knew I was receiving $ XXXX {$200.00} interest payments while I was going to school. The school did not help me with finding a job nor did I receive a rent and living check. I had to rely on borrowing the money from the people in my family who do n't have the money to spare. I got told XXXX times by XXXX and a few calls from Genesis that if I did not make my payments I would lose my loans and be forced to drop/be kicked out of the school.
CFPB Complaint Re WELLS FARGO BANK ( aka ASC ) In attempt to utilize the Government H.A.R.P. program, we were diverted by Wells Fargo / ASC, or rather coerced into using what they characterized as their " in house '' H.A.R.P. program to refinance the house XXXX instead of using H.A.R.P. We were not aware that there was a difference in HARP Program. In doing this, WF/ASC did not make clear to us that they changed the terms of the loan to a 38 year loan which was n't the length of original loan. A fact neither of us realized until recently when we tried to refinance the house at a lower rate. Our recent attempts ( XXXX XXXX ) to refinance the house by contacting various lending institutions has been met with the response that no lending institution " would touch a 38 yr. loan ''. We never had an interest in a 38 yr. loan. 

Wells Fargo, being a lending institution, can not help but know that when they coerced us into this loan that no one would agree to refinance the loan, and they knew that when they coerced us away from the Government H.A.R.P. program and to a Wells Fargo in house program when the loan was taken out. 

We 're finding out how bad this loan is from other financial institutions. Wells Fargo could have disclosed to us the pitfalls of this loan when we could have made an informed decision ( back then ). When Wells Fargo did this loan, they did n't make a full disclosure of what we are now finding out from other banks/lending institutions. Throughout the initial process various Wells Fargo officials were suggesting to us that " down the road '', we could refinance this loan, at a later date. 

We believe that Wells Fargo set us up to fail so they can foreclose on the property. We recently attempted ( XXXX XXXX ) to do a MODIFICATION with Wells Fargo and we were denied. We also inquired about REFINANCING and we were DENIED again. Based on their requirements, depending on the loan type, we would have to ( 1 ) come up with about {$15000.00} at the end of closing or ( 2 ) we need to have one years worth of payments in the bank ( {$3900.00} X XXXX = XXXX ) before they would consider refinancing. Since all of our accounts are in WFB, they know we dont have that amount of money. 

Please, we need HELP. When the loan was first modified, the payments were {$2700.00} per month, NOW, the payments are {$3900.00} per month. All we want are lower monthly payments and to be out of this predatory loan Wells Fargo got us into. We feel we have been taken advantage of in a major way. 

Thanks IF ANY DOCUMENTATION IS NEEDED, WE WILL PROVIDE IT AT YOUR REQUEST.
I have disputed a tax lien on my credit report with Equifax numerous times. Each time it states that it was verified via XXXX. I have asked for printed documentation that is dated after XXXX XXXX, XXXX ( letter attached ). To only receive a generic dispute results letter with an Equifax letter head. Under XXXX, the bureaus have to show me proof of their verification not tell me. Equifax has failed to properly re-investigate this. They sent me an almost identical letter in XXXX XXXX and XXXX XXXX. That tells me they generated a pre-written letter from the computer and sent it to me. I have contacted the court and they advise that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. So I do n't know why they were mentioned in the results. I am asking for Equifax to provide documentation that they have re-verified this tax lien with a XXXX letterhead that is dated after XXXX XXXX, XXXX. I sent the last dispute letter VIA USPS with the tracking number XXXX. The letter shows delivered but they did n't provide the requested documentation. Attached is a copy of the letter sent and the results that I received from Equifax. Please have Equifax to mail the above requested documentation to my current address. Also, have the responding Equifax representative provide the last date this tax lien was " verified '' with XXXX along with their name and/or ID number.
On XX/XX/XXXX XXXX XXXX ( XXXX ) confirmed my XXXX XXXX Student payment in the amount of XXXX  $ and sent me an email stating the payment was successful. XXXX XXXX then mistakenly tried to use a 5 year old ( closed ) checking account to make that payment which did not go through and never sent me an email notifying my of a problem. 

On XX/XX/XXXX XXXX XXXX reported all 14 of my combined XXXX loans tied to my single account as late dropping my credit score 200 points. I have not been reported late in 7 years of payments until now. 

On XXXX I contacted XXXX XXXX  and was granted Retroactive Forbearance for the issue, but not explanation of what caused the issue and no explanation of why I received an email confirming the payment was made but no email notifying me it was rejected later. 

On XX/XX/XXXX XXXX XXXX denied my request to remove the late report on my credit report and gave me no explanation to why or addressed my claims. 

I am requesting help with getting this one issue removed from my credit report. 

XXXX XXXX
I am at my wit 's end with disputing with the bureaus. I have already made complaints regarding the fact that the bureaus DELETED accounts that I was only asking for verification on the late payments and they will not put them back when it was their error.There were also XXXX accounts that I disputed in error and they removed them ; when I asked for them to re-add them they stated that they would not and will not add information given by 3rd parities. I sent them the proof that it was on my file in the first place and they still will not add them back to my file. I also have XXXX derogatory accounts remaining on my file that they continue to say are " verified '' when I know that they are not. Not only that, but they have failed to provide documentation legally verifying those XXXX accounts as required under sections 1681, 609 and 61a5Ai.
My issue is with XXXXNavient. I have been dealing with them for 10 years now and am at the end. From deceptive practices, to late fees, to repayment fees, to outright lies it 's all there. I would like to be part of the lawsuit if possible. I am attaching all documentation I have including a detailed timeline and the latest letter that was sent requesting the release of my parents as cosigners. The latest issue is that I am in a repayment program with no paperwork, they refuse to change the due date on XXXX of my loans and keep charging me late fees although the program is set up for the payment to be direct debited on the XXXX of every month. Again I am attaching all detailed paperwork so you can better understand my situation.
ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was Credit Acceptance. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was Credit Acceptance. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full balance,,,,
I applied for American Express Every Day Credit Card on XX/XX/XXXX and was approved for XXXX Membership Rewards Points after spending {$2000.00} within 3 months as welcome bonus. Now after 3 months I didn't receive my welcome offer even though I've met the spending requirement. I tried to talk to American Express and they said my welcome bonus was declined with no reason. During the application process, there was no pop out window reminding me I would not eligible for this welcome bonus offer. I hereby request American Express to investigate my case and grant me the welcome bonus.
I took a loan from XXXX XXXX XXXX based on an offer that came in the mail. I did this in a hurry and signed online electronically agreeing to make payments by automatic with drawl from my checking account in the amount of {$220.00} per paycheck every XXXX weeks. I was granted a {$900.00} loan and have had XXXX payments of XXXX dollars and see I still owe {$1100.00} on the loan. the interest rate is XXXX %. I feel charging this amount of interest should be illegal as I feel I was taken advantage of. However I singed electronically and the form that came in the mail states they are protected by independent regulatory body of the XXXX.
Upon reviewing my credit report, I noticed a couple of debts from ERC. In an effort to quickly remove these items off of my credit report, as I have been working diligently on increasing my credit score this year, I notified ERC in writing that the debt had not been validated. However, in an agreement to get this off of my report expeditiously, I would pay the indicated amount of $ XXXX/collection to have these XXXX collections removed from all reporting agencies ( XXXX, XXXX and XXXX ). I clearly spelled this out in the contract, that if ERC cashed the checks, see both check numbers XXXX and XXXX and accompanying letters sent to ERC, this signified agreement of the contract and that within 15 calendar days, the collections would be removed/deleted from all reporting agencies and that this would be considered closed ( see contract for further details ). ERC cashed both checks, signifying their agreement with the contract, but failed to delete both collections from all XXXX credit bureaus.
had a XXXX credit card. XXXX bought when XXXX went under. Paid payments and then XXXX cancelled card but said still owed the money, which is OK. After several months of not paying by me. XXXX closed account. XXXX sold account to " bulk buyer '' and then " bulk buyer '' sold account to Midland Financial Services LLC. Midland bought my debt BUT they reported to Credit reporting agency the date they bought and not original default, giving them 2 more years. Confronted them and they blew it off. They re-aged my debt, adding 2 years to report to Credit reporting agencies. Also contacted the XXXX credit reporting agencies with XXXX document and they also blew it off.
refer to CFPB case # XXXX XXXX - Suntrust removed disputed mortgage lates reporting. Supporting documentation was provided to support error. Please remove SunTrust Mortgage late.
Picked up said " hello? '' a man responded " hello? '' I said " hello? '' again and he said something I couldn't quite make out to the effect of " picked up phone. '' which indicates the use of a computer diler. 

I stated that I did not identify the debt and do not believe I owe the money also told the rep that she was calling my cell phone I she does not my consent to keep calling it. 
I Also requested that proof of the debt be mailed to me and to stop calling my cell phone. 
She continued her attempt to collect and I asked why was she ignoring my requests she then proceeded to tell me that if I wanted the company to stop calling I would have to sent a written request which I do not believe to be true.
On XX/XX/2018 I received this letter from the company that my account was closed, I was laid off an un able to pay, then in XXXX or XX/XX/2018, I started getting alerts, that I having missed payments, I said to my self how can this be, the account is closed. So that means someone from the credit card reopen the account, with out my knowledge, I hadn't talk to anyone nor did I sign any papers, and I verbally didn't talk to any to give permission, me as a consumer now this wrong