WillisBack/dataset-financial-user-claim huggingface dataset:
This a formal complaint against TransUnion regarding inaccuracy on my credit file. On XXXX XXXX, XXXX, I discovered that XXXX XXXX account number XXXX opened XXXX XXXX, XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XXXX and XXXX by XXXX and XXXX which I have proof. I know that CRAs do not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX and XXXX by DELETING/REMOVING this account from my credit file.
I have experience a deficiency in the system, in dealing with US Bank in regards to XXXX private loans. I have unexpectedly, lost my job and found myself in an economic hardship. In efforts to maintain my private loans in good standing, they had been in auto-pay. I am actively seeking a resolution, in which I can maintain a good relationship with my creditors. However, I am no longer able to make any more payments, being that my only source of income is unemployment. I have reached out to XXXX XXXX for assistance in obtaining a deferment, and they said my only option was for me to enroll back in school. I called the US Bank assistance line, and they explained they no loner offered the option for forbearance. I explained my situation and my desire to make things right, and not default on my student loans. Their response : I will have to go on default, in which case they will start calling me ... but once I find a job, THEN I can call them and ask for an extension. It seems unreasonable, that a creditor will not offer options feasible for a debtor willing to make an arrangement while facing financial hardships.
Been getting harrassing calls fr om Monterey Financial Collections ab out a debt I have no idea about. They put it in collections without ever sending me anything in the mail to prove to me I owe anything.
XXXX which is XXXX of those credit bureau is practicing unethical business example. They have also failed to provide copies of form of ID used for opening such service from this so-called shady collection agency. I Sent out debt verification request ( XXXX, {$530.00}, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX ) to the shady collection agency " XXXX XXXX XXXX XXXX They have failed to provide such proof within the 30 days of timeframe, then again, it makes seem like this wrong charge has been sold out by another shady branch of theirs collection agency called ( " RESURGENT CAP '' XXXX XXXX XXXX # XXXX, XXXX XXXX SC XXXX ( XXXX ) XXXX ) Both Transunion and those bogus and shady collection agency have failed to provide debt verification and keep posting wrong charge information on my credit report
We received a final closing disclosure for our mortgage with JPMorgan Chase on XXXX XXXX, 2016, four days prior to our closing on XXXX XXXX, 2016. We noticed immediately that there was no line item for " State Mortgage Tax '' and subsequently no costs associated with it. We contacted our mortgage bank who could not immediately provide an explanation about the missing charge, but promised to look into it. On XXXX XXXX, 2016, less than 72 hours prior to our closing, we were issued another closing disclosure, this time including the " State Mortgage Tax '' with an associated cost of {$17000.00}. The reason we were issued this second disclosure, we were told, was to avoid any delays in the closing, with a promise that the discrepancy would be resolved at a future date. 

After our closing, we were issued an explanation that the first disclosure we received was actually a " draft '', and that the bank had purposely not included the " State Mortage Tax '' line item, and had for all intent and purposes planned to reissue another closing disclosure that would act as the " final '' disclosure. This struck us as odd since the there was no indication that the first disclosure was a " draft '' : there was no watermark indicating " draft '', " initial '', or " preliminary '' CD. Indeed, the very top of the document states " This form is a statement of final loan terms and closing costs '', giving us an assurance that this was truly our final closing disclosure. The supposed " draft '' and " final '' closing disclosures were actually exactly the same except for the " State Mortgage Tax '' line item. 

When questioned about this, Chase stated that a " draft '' CD is not a document that is typically provided to the borrower and it is watermarked " draft ''. They claimed that the first closing disclosure was an " initial '' disclosure, and the " final '' disclosure is provided at the closing table, and that there is nothing on a disclosure indicating that is it an " initial '' version. Additionally, Chase claimed that they did not need to technically re-issue the second closing disclosure until at the closing table, even though there was a discrepancy of {$17000.00}. 

After further questioning, Chase finally admitted that an error was made and that the " initial '' closing disclosure should never have been sent out. Even while admitting this error, Chase maintained they are not liable for the discrepancy. 

It is our understanding that mortgage taxes are XXXX tolerance line items that can not change from issuance of a closing disclosure to closing.
I contacted XXXX XXXX XXXX XXXX and they have ignored my request. 

They keep placing new, negative, payment activity monthly on an account from XX/XX/2014 that they filed an insurance claim for and sold to a collection agency. 

How does an account that was charged off have new activity on it from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? How does a closed, charged off and sold account have a late payment, past due balance and balance? 

These erroneous error are messing up my monthly payments, balances used and owed and over all utilization. 

Can you please tell them to review this account and stop reporting new, incorrect, illegal and violations to my credit report monthly? 

The should correct the inaccuracies on this account or delete this account immediately, like they were asked to do since XX/XX/XXXX. 

I contacted the credit agencies and my credit file is still inaccurate. 

These error are preventing me from obtaining a mortgage, credit cards and loans.
I have filed several complaints and am getting nowhere. I am attaching XXXX response to a prior complaint where they promise to send me : 1. A copy of the application 2. Statements showing how the dollar amount is arrived at, including fee 's, etc. 
They claimed to have attached this to complaint # XXXX. They did not. I will attach exactly what they attached. 
This alleged debt did indeed come from XXXX. I spoke to XXXX, and in fact in their response to this same complaint they admitted " they no longer have any of this documentation as it is too old '' THIS DEBT IS THEREFORE NOT VALIDATED AS PER FEDERAL LAW. THIS IS NOT A DUPLICATE COMPLAINT!!! IT IS ILLEGAL IN BEING REPORTED AND MUST BE REMOVED FROM ALL CREDIT REPORTING AGENCIES DATABASES BY THE FURNISHER OF THIS FRAUDULENT INFORMATION IMMEDIATELY.
I have XXXX accounts with Wells Fargo. The accounts became difficult to manage with a loss of income. The first account is XXXX XXXX visa XXXX. The second account is XXXX today XXXX. I placed both accounts into consolidated credit to bring them current. The accounts were with consolidated credit counseling for 3 years. In the last year, I became XXXX. I removed the accounts from credit counseling because I could no longer afford to pay the higher amounts. The higher amount were established when the principal balances were higher. Wells Fargo refused to lower the payments to the current balance minimal payment. I had to report the company to consumer federal protection bureau. At this point Wells Fargo decided to correct the minimal payment. They never updated two months of the old minimal payments causing my monthly payments to be higher. I was making payments under the new agreed upon amount but the old {$90.00} payment was showing past due by two months. Wells Fargo never attempted to correct the problem. I called but I paid the new minimal payment amounts. The next notice, I received was a charge off notice. I tried to explain that it was mistake that was never corrected from past representatives but to no avail or correction. I was told the chargeoff would stand and to make arrangements.
I was a student at XXXX college. I had a loan through the school via XXXX XXXX. The school was shut down and now a private collector, University accounting Services is attempting to collect on the loan. All other loans through were forgiven by the US Department of Education. I have been paying on this loan so as not to damage my credit however the company, University Accounting Services, have been mishandling my records and gving my information to other companies who have been calling me attempting to collect on the loan. Secondly the college and company owning my loan have filed for bankruptcy in the state of Maine. I was notified of this. My complaint is that University Accounting Services is mishandling my financial information and charging me for a loan that should be forgiven. Secondly University Accounting Services Representatives claimed they never sent my loan to anyone else for collection and that the company calling me and sending me letters, XXXX XXXX, are fraudulent.
There is a single late payment appearing on my credit history in XX/XX/XXXX for a XXXX XXXX ( XXXX XXXX ) account as reported to the credit bureaus that I feel should be removed from my history as they had already revised this on my account, even refunding the late charge, but still being reported by them as late. 
At that time I had called to explain my husband 's condition, which had eventually lead to his XXXX in XX/XX/XXXX. 
Based on the full history of this account I believe this single late payment should be removed from the credit reports. 
Thank you.
Credit agencies did not follow up on fraudulent activity. The {$930.00} amount from XXXX XXXX, does not belong to me. I 've disputed this twice and explained I was not living anywhere near XXXX, Ohio and suspect my personal information was obtained by a family member. I 've explained this.
Submitted a letter of dispute to this company via certified letter and never received a response back from them and they continued to report the same disputed information on my credit reports without noting that I was disputing the information.
There was an account that someone opened in my name with XXXX XXXX XXXX, I believe it was an ex girlfriend. I did not authorize it, charge on it or had any knowledge about it. I have disputed with the bureaus but yet it keeps reporting. I do n't know where else to turn so I am hoping your company can assist me. Please
I have a debt listed on my credit reports that I have no knowledge of. The collection agency is unknown and the original debtor is pretty vague. It does not give any details to what type of account nor does it specify any remarks. This debt is not mines.
I was declined for a credit card ; however, with XXXX and a great income the denial reasons provided and the credit factors from the credit reporting agency ( XXXX, XXXX ), I can only assume I was discriminated against based on my gender and marital status.
My mortgage was sold to Vanderilt Martgage and Finance. The new service company has raised the escrow requirements twice in less than 30 days. I called them to discuss it and their answer is " there is nothing we can do about it ''. I asked to have an analysis completed and allow me to talk to the analysis manager. I could not get past customer service. They are increasing the escrow for an extra month.
I have an account with PayPal that involves promotional purchases in which interest is not payable if you pay the charged balance within the promotional period, in this case 6 months. In reviewing my account upon making a payment today ( XXXX/XXXX/XXXX ) I discovered that a charge in the amount of {$360.00} in XXXX XXXX did not have any portion of my payments since the purchase applied to reduce the outstanding balance, thus leaving the balance as of today the same as it was in XXXX. In speaking with a PayPal representative ( who was very helpful and cordial ), I was informed that {$230.00} of my previous monthly payments should have been allocated to this purchase to reduce the outstanding balance to {$120.00}. She explained that it appears that a system processing error occurred which did not automatically allocate my payments to reduce the balance. In order to avoid paying the accrued interest for the purchase ( {$35.00} ) I had to immediately make an additional payment of {$120.00} since the promotion payment period expired tomorrow ( XXXX/XXXX/XXXX ). I had already made a payment of {$150.00} on my account.
My property was sold on XXXXXXXX2015 after 120 days sending documents to SPS servicer train to qualify for a lone modification., at the same time the bank, SPS servicer continue with the Foreclosure presiding 's, ( Dual Tracking ) at the foreclosure the SPS did not claim as Defendant my wife in the complaint and did not server any liss pendis documents to her, violation of state constitutional law .Art X, & XXXX, Fla.Const ; XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ). the y have violated her rights to due proses and have violate her XXXX amendment constitutional right., I have file in civil court a Objection to sale, and to the bank SPS servicer a Appeal under the settlement agreement
On XX/XX/2018, I received an email saying that I was approved for a loan from {$1500.00} to {$5000.00}. So I replied to the email. The first person I talk to said his name was XXXX and he works for XXXX XXXXXXXX XXXX. He ask for my account # my routing # and my social security number. I gave it to him. He also said that a loan officer would contact me. Which a person did. The loan officer told me I was approve for {$2000.00} with an 10 % interest rate. Im thinking ok cool. So after that, I received an email with documents saying the amount I was approved for, the interest rate, the loan reference # and my name on these documents. It seemed legit to me. Until I search the net and found out they have been scamming for years. These are the two numbers I was provided XXXX XXXX. Please stop the criminals
Specialized Loan Servicing LLC took over my mortgage. They sent me a mortgage delinquency notice inXX/XX/XXXX which was followed by a Notice of Default and Notice of Intent to Accelerate in the amount of {$1600.00}. In XX/XX/XXXX I sent them a letter requesting the months that the mortgage payments were not received. I provided them with copies of cancelled checks. I have never missed a payment on this loan. My regular payment is {$590.00}. I send them every month a payment for {$600.00}. XXXX, teller # XXXX, from Customer Care Support, responded to my inquiry on XX/XX/XXXX stating that the account serviced was transferred to them on XX/XX/XXXX. She indicated that the account at the time of the transfer was not current. She did not specify which months the payments were missing. She also sent me a payment history for my account for the years XXXX and XXXX. I paid some money to bring down the delinquency so as to stop the default notice. This has been going on from XXXX till present. My last letter requesting the missing payments was sent to them onXX/XX/XXXX. They responded sending me another payment history of my account which does not reflect a missing payment. My request is for SLS to simply state the months of the alleged missing payments so I can send them copies of my cancelled checks.
Currently my account is past due by {$360.00}.
I have been deferring my payments with forbearance for a couple of years now. I haven't been able to afford the payments asked of me by Navient and STILL can't. 

When I tried to extend the forbearance in XXXX they told me I wasn't able to anymore. 
When I told them I can't afford the payment they're asking of me which is {$580.00} a month they told me they would give me a one-time " courtesy '' deferment which they then dinged me on my credit report for. 

I applied for income driven repayment plan through XXXX as advised by Navient and on XX/XX/XXXX I received a response saying my payments have been lowered {$440.00} a month beginning on XX/XX/XXXX. 

I STILL CAN NOT AFFORD THIS. 

Navient refuses to work with me to get me to a more affordable repayment plan. They're only considering my income and not my monthly expenses including rent, car payment, medical bills, credit card debt and living expenses. 

I am at a loss at what to do here. I can't afford this and the company has no sympathy in working with me to come to a solution I can afford.
Synchrony Bank and XXXX XXXX  will not update paid items. Being trying for 2 years. 

XXXX XXXX XXXX dropped one of my open accounts. 

XXXX XXXX and XXXX XXXX XXXX  seem to only update my reports every thirty days when I'm behind, but not when I've paid. Some of these cards haven't reported since XX/XX/XXXX. That was 60 days ago. I've paid the cards off twice since then and am being denied credit score increases that I'm owed for lowering my credit utilization.
I am an XXXX year old widow forced into bankruptcy. XXXX  XXXX ( XXXX, TX ) is a reverse mortgage lender that claims I now owe them {$250000.00}. I've attached their latest invoice, showing the amount, loan number, my name and address. They have charged me outrageous amounts without proper explanation. I have asked for supporting evidence for all of its charges, including signed proof of the original mortgage, the mortgage agreement terms, and settlement documents to support their claim of all amounts it claims I owe. They have been either unwilling or unable to provide me with such proof. I now risk losing my home of over 40 years. 

I was never given an account to draw from but I paid for major and minor repair items out of my own funds ( sewer line, furnace replacement, etc. ) When XXXX claimed I was not making required monthly payments, it took funds from an account of which I was unaware and began charging additional interest based upon their own withdrawals. XXXX also claims I owe fees for home inspections of which I was never aware nor was I informed. CFPB, please I need your help. Thank you!
I have a home equity loan with Bank of America and have been treating unfairly. I have tried to resolve the issue with them, but the person I was assigned to investigate, XXXX XXXX, XXXX XXXX, XXXX XXXX, refuses to return my call ; I was informed it is the correct direct phone number. 

Bank of America XXXX XXXX XXXX would send me letters stating I did not have Flood Insurance and purchase the flood insurance from my home equity loan. I would fax proof of insurance, but they have never credit back my home equity loan. I had the representative from my XXXX XXXX XXXX on a conference call with me, the agent from Bank of America became unprofessional ( talking as if she did n't know what to do ). 

I received a letter, stating my account was " charged off '' ; I have been calling XXXX XXXX to explain what this means, but she never returned my calls, which resulted me to calling the home equity customer service and was told it means the account is paid off. Now I am being reported to the Credit Bureau for non-payment. 

I found my last notes, whom was with XXXX, BOA, stating charge off means we owe XXXX and will be able to make payments without interest until balance is paid and I paid XXXX by phone. However, I was not able to make any future payments because XXXX and XXXX stated my account showed it was paid out. 

I have been informed that my credit report shows that I have not paid Bank of America over a year. I also received a threat stating that I will never be able to transfer this loan. 

I just want my home equity loan from under Bank of America and placed with my mortgage company. I will be very, very happy and a satisfied customer, because my credit will be perfect again.
To whom this may concern, When i checked my credit report i seen where a debt was reported by national credit services. I filed XXXX disputes with XXXX and did n't receive any verification to prove debt was mines. I had an apartment with XXXX in and had a XXXX incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being XXXX and washing all of our clothes and shoes costing me hundreds of dollars, when i called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me i could terminate the lease but i was still entitled to pay XXXX 2014 rent which i paid. I tried calling collection agency and spoke with XXXX XXXX who advised me the incident had nothing to do with him he just collects the money. I faxed copy of my bank statement and fair credit report act to XXXX and they advised they do n't verify if debt is actually yours with written documentation they just call. i spoke with supervisor from XXXX who didnt call me back. This has been a disaster i am a single dad and this is hindering from getting an apartment. Please Help!!!!!
I've disputed information twice to have an item removed, The second time I SPECIFICALLY asked that the original creditor listed on the debt be verified by the company XXXX XXXX XXXX reporting the information as I have never had a contract or knowledge with any company named XXXX XXXX XXXX. The results returned " Remains '' with NO updates to the specific area I asked to be investigated. I had already lodged complaint against XXXX, XXXX   and XXXX with CFPB but was awaiting results from Experian to include them. This issue has also been reported to XXXX who has also acknowledged complaint.
According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX XXXX  - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report