WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed a bankruptcy case with Experian & XXXX which they came back saying the information is verified. Advised my bankruptcy is being listed as chapter XXXX when it should be a chapter XXXX they stated it came back verified. I wrote the office of the clerk they advised me that they do not report bankruptcy. case information to credit reporting agency. Per section 609 ( a ) ( 1 ) they are required by law to verify through physical verification of the judgement. Public record information was never validated. I ask them to delete the judgement due the inaccurate reporting.
I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
To Whom It May Concern! 

An alarming issue should be brought to your attention at once. Ocwen was ordered to provide XXXX in relief to homeowners upon investigation by the Consumer Financial Protection Bureau for a host of complaints, including robo-signing affidavits and other documents. 
Attached is an affidavit sent from Ocwen to me the " borrower '' that Ocwen robo-signed ( page XXXX ) my birthdate, incorrectly of course, ( it is Ocwen ) followed by Ocwen representatives informing me by phone on multiple occasions that it was instead " I '' who submitted a affidavit with the incorrect birthdate!? Thereby once again, as they have done since XX/XX/XXXX, deny me the opportunity to secure a home modification at market value and remove the debt, interest and penalty associated with this loan. Once again, this affidavit is robosigned ( page XXXX in which my social security number and XXXX incorrect birthdate ( s ) are robosigned! ) This document was sent from Ocwen to me on XX/XX/XXXX.
XX/XX/XXXX Southwest Credit Sys I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. 

Account Number : XXXX Reason : [ Fraudulent account ] I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. I spoke with a service rep for this company and she couldn't locate an account with my name in response to the debt posted on my credit report. Please remove immediately. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Tx XXXX XXXX XX/XX/XXXX
This is listed as an adverse account placed for collection. It states joint, open account but paid in full. I am single and this date is over 5 years ago and I was single then too. It states updated 2015? I do not have an account with them and never had any joint accounts? It states paid in full but has not been removed? Please have this removed. It is Transunion and the adverse account is XXXX
I became a XXXX XXXX XXXX XXXX XXXX veteran in 2009. As I had my physician at the VA signed off on my documentation, which I submitted to XXXX XXXX Loans. The documents were submitted certified mail return receipt also with a signature required. From 2009 to present I have not been able to have XXXX XXXX Loans remove from the comment section " Completed Investigation of FCRA dispute-consumer disagrees '' which is being reported 7 different times on my Experian credit report. I have tried to do everything possible to include but not limited to sending both Experian and XXXX copies of my certified mail receipt, signature card, and the letter from my physician stating that " I am a XXXX XXXX XXXX XXXX XXXX Veteran '' to no avail. In all seven student loans that I had with XXXX were the following amounts : {$930.00}, {$3300.00}, {$2800.00}, {$200.00}, {$2800.00}, {$3600.00} and {$4200.00}.
Consistently over the course of the past few months I have had my overpayments on my Federal accounts misapplied. I have called repeatedly to have them corrected. It seems quite deliberate at this point, considering the fact that each time I pay more than the minimum payment I am entering the total amount to be paid on each loan through their website. There is no way things are being miscommunicated between myself and Navient because you clearly type the amount in for each loan. The problem is 100 % on their end. A second issue involves the fact that I was told several years ago that Navient does not provide a reduced interest rate for automatic withdrawal from your bank account. when I previously had only been paying via handwritten check through the mail. Now that I have more recently started managing the account online and paying through e payments, I stumbled upon the fact that this is actually available and requested automatic payments for all of our private accounts and my spouse 's federal accounts with her permission. First, I am sure that this was available all along and they had previously lied to me about it. Secondly, when they finally began to process my request for automatic withdrawals they improperly applied it to the only account that I did not request it for ... my federal account. So as of right now they only applied it to the federal account that I did not submit a request for and I still have the confirmation saved proving which accounts were to be processed too. The remaining accounts that should have been processed with my private loans and my spouses federal loans no longer appear to be pending. The part that makes no sense is that their federal processing is separate from their private and is 2 completely different departments and phone numbers etc. So explain to me how they process a request for my federal loan to be on autopay when my request for my private loans to be processed was even separately submitted from my spouse 's request for her federal loans???. I have had it with dealing with them and want to know what I can do as recourse. Its just not fair. If i quit paying my loans because of what I am convinced is deliberate mishandling at this point, it will only hurt my credit score etc and it appears that they are immune to reprisal.
I had a promo finance offer with Comenity Bank / XXXX XXXX, the promo finance expired on XX/XX/XXXX, the remaining amount due on this promo offer was {$620.00}. On XX/XX/XXXX, one day BEFORE the promo expiration I made a payment of {$620.00} which more than covered the promo remaining balance due. However, the bank still charged me the accrued interest a day later on XX/XX/XXXX of ( {$720.00} ) and another small interest fee of ( {$23.00} ) on XX/XX/XXXX. I should have never been charged these amounts. I have called / emailed through their support platform with no success. I am very disappointed with the lack of service I have received on such a clear cut issue and feel I can no longer trust this bank.
My name is XXXX XXXX, the Mortgage account holder ( Loan # : XXXX ), with XXXX XXXX Mortgage. XXXX XXXX was formally named NationStar Mortgage until a recent name change, therefore all events initiated under the company name NationStar Mortgage which is now officially named XXXX XXXX Mortgage. I am writing in regards to an Investigation for POSTED UNAPPLIED MORTGAGE PAYMENTS, POSTED INTEREST PAYMENT REVERSAL AND PRICIPAL PAYMENT REVERSAL. Upon reviewing our mortgage payment history with XXXX XXXX Mortgage, I noticed several Posted Unapplied Mortgage Payments dating all the way back to XXXX. 
By Law, there should have been a Suspense Account set up for my Mortgage Account held with XXXX XXXX Mortgage and the Unapplied Mortgage Payments should have been deposited into the XXXX XXXX Suspense Account. 
I am asking a Resolution of the following : Unapplied Mortgage Payments, Interest Payment Reversals, FEES, AND Principle Payment Reversals to be either applied to our Applied as Future Mortgage Payments in the AMOUNT OF {$11000.00} or CASH IN THE FORM OF A CERTIFIED DISBURSEMENT CHECK FOR {$11000.00} :
On XX/XX/XXXX I wrote diversified consultants asking for proof of a contact signed or anything with my signature agreeing gon na be a contract with XXXX they have been reporting false information on my report never have I had XXXX on XX/XX/XXXX I received a package of bills from diversified showing XXXX bills with my name but not my address or phone number
I purchased merchandise from XXXX XXXX  on their credit card, I thought. This was in XX/XX/XXXX. On XX/XX/XXXX I came down with very bad case of the XXXX. Missed time from work. My merchandise was no more than eighty dollars. However, the XXXX stayed with me with severe pain which I am still having even after 5 months. At this time I did not make a payment which I agree was wrong. However I started getting calls from a XXXX XXXX. They would call XXXX XXXX. until XXXX XXXX every hour, 7 days a week. This has been going on for months. I was going through bills which I had not paid. I found XXXX XXXX bill and made the check out for {$32.00} payable to XXXX XXXX which I mailed on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX  and they connected me to XXXX XXXX, because it was their card. I was not aware of this. So to this day XXXX XXXX said the check was not made out right. Should read XXXX XXXX XXXX XXXX   they have not cashed it. I did send another payment of {$37.00} dollars. They say I owe {$220.00} dollars. I feel XXXX XXXX   deceived me not telling me that the card was through XXXX XXXX. I offered to settle for {$120.00}. No response from either XXXX or XXXX XXXX. No checks were cashed and are sending negative reports to the Credit Bureau, saying no response.

Thank you for any help.

Sincerely, XXXX XXXX
XXXXXXXX XXXX is reporting the account XXXX as a debt.its not an account.Its is builded on a paid account paid to XXXX   account # XXXX paid {$750.00} on XX/XX/2015.Do XXXX XXXX have a court paper showing that when account was purchased and taken out of charge off.No its a paid charge off because I paid it XX/XX/2015.and XXXX XXXX need to move on off my credit reports.If you remain you have already broken the law by putting your name on my credit report and my paid debt as a open account.The F.T.C. fair reporting Act is beening broken by you reporting this account.because the information you reported is not true.and I give the C.F.P.B. permission to take a look at all my credit reports.
Guitar Center Gear Card, managed by Synchrony Financial, shown in " contact us '' as : XXXX XXXX   XXXX. XXXX XXXX XXXX, FL XXXX I made an online payment of {$1500.00} to my store card on Monday XX/XX/XXXX. I have a pending purchase at my local Guitar Center for about that same amount, yet today ( Friday XX/XX/XXXX ) those funds are still not showing as " available to spend '' when I check my account online. I called and spoke to a Synchrony Customer Manager, who told me there's nothing she can do about it, that there's a 10 day hold on that payment - even though those funds cleared my bank on Tuesday XX/XX/XXXX (! ). She told me she agreed it is unethical, but she simply said she has to do what Synchrony Financial tells her. She told me that in the fine print under " Payments '', Synchrony states that they may hold payment funds, but they do not specify how much and/or for how long ; i.e., 5 days for smaller amounts, 10 days for larger amounts, etc. This is unacceptable.
I am having a problem with Equifax reporting and being able to access my dispute information. I contacted Equifax via chat about the major diffrence between in my score that they show on XXXX XXXX and what my bank is showing. When I contacted them through Chat ( because they impossible to get in touch with ) about this they sent me a link that was no explanation to my question. Later that week I received an email that my dispute had been resolved and I could check through their website. I tried every thing they said to access it and it wasnt available so once again I contacted them and they said they were having technical difficulties. As of today, three days later I am not able to access my disbute. And when I checked my XXXX XXXX report today my score has dropped 33 points and is showing old information that WAS currently showing updated three days ago. There is no way my score should drop 33 point in three days. And I tried to dispute this and it says my information is incorrect ( same as its been showing since their so-called technical difficulties ) and will not let me dispute. They are messing with peoples credit and I think its funny that I havent had this problem until I started questioning them about their reporting practices. I need to know why my information was updated and current as of days ago and know not showing being updated for months and my score dropped 33 points. There is no way this should have happened and they need to be investigated. 

Sincerely, XXXX XXXX XXXX
Provided Info for potential employer to perform background check. Employer said my name and SS # did not match up. I attempted to get the reports myself from XXXX but all three companies were unable to fulfill my request with no explanation.
Where to begin.. Once again " fees '' XX/XX/XXXX-XX/XX/XXXX BB & T once again had system issues that not only prevented me from making a deposit at an ATM but caused my on-going direct deposit not to post causing an adverse effect on my auto pay accounts resulting in additional fees. XXXX  bill {$73.00} XXXX   presented with XXXX balance after {$2.00} deposit only to be returned with {$36.00} check fee from BB & T and on XX/XX/XXXX {$30.00} return check fee and disconnected services at {$6.00} per times 3 from XXXX.. Equal {$48.00} plus {$10.00} late fee makes {$58.00} request back.XX/XX/XXXX XXXX  {$100.00} on auto pay only to be returned due to direct deposit not posting and updates by time of presentation and XXXX fee grand total.. {$88.00} in fess due to BB & T system failure.. XX/XX/XXXX dated letter to close account within 10 days was postmark XX/XX/XXXX and rec 'd XX/XX/XXXX certified mail and XX/XX/XXXX locked out of my account including my direct deposit XX/XX/XXXX with pending transaction {$60.00} for XXXX   initiated on XX/XX/XXXX..

XX/XX/XXXX the branch mgr returned me the available balance minus and a written scratch note of pending items ( however these items had already been paid ) except that $ XXXX..On XX/XX/XXXX I was able to retrieve my direct deposit minus the {$60.00} for said pending transaction of {$60.00} and yet today XX/XX/XXXX item not paid with a return fee.. Tell me how? Plus I have two merchant credits.. HELP ME
Please see attached letter for details. I do not owe this debt. They are illegally trying to collect from me. They have illegally without my {$600.00} security deposit.
I have a federal student loan the beginning numbers are XXXX, in the amount of XXXX. I had made many inquiries and turned in proper paper work to work with my debto and now I have letter of forebearance in effect. My ssn is XXXX, my mailing address is XXXX XXXX XXXX, XXXX, Arkansas XXXX. I am the breadwinner of my family, and the only open loan that should on my credit report is a co sign for a XXXX in XXXX via XXXX XXXX. My work history is not updated I own a very small business The XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, Arkansas. I have not made any new inquiries into my credit report and there is many. I would appreciate any assistance into this matter.
WE filed for a loan modification, due to hardship, illness and low income, with Nationstar in XXXX 2016. It took 2 weeks for the 'time sensative ' application to reach us. We were assigned a loan specialist, XXXX XXXX, to oversee the process. We sent the documents requested, sent more documents when the first were deemed insufficient and so on. XXXX XXXX was never available for the telephone, when he would call and reach our screening message he would hang up, and when responding to a message left for him would call back, but always at the wrong phone number. Finally we reached an individual that saw what the problem with our documents was and we sent the correct one on Thursday, XXXX XXXX, 2016. The following Monday, XXXX XXXX, our application showed all the requirements had been met and it had been forwarded to the underwriters. Tuesday, XXXX XXXX, the message had changed, and we were informed that our application had expired XX/XX/2016, and we could re-apply if we wanted too. 
My wife was able to get through to a different agent on Thursday XXXX XXXX, 2016, who informed her that the reason the action had been taken was that there were better programs, ones that fit our needs better. Friday, XXXX XXXX, in a one hour phone tag event, she was informed that had the loan modification gone through, we would have had lower monthly payments, but Nationstar would have added an additional 20 years to our loan duration. We currently have 20 years, 7 months left, I am XXXX ( soon to be XXXX ), and had a XXXX 2 1/2 years ago. My wife is XXXX and does not receive any XXXX payments. 
It is unrealistic for Nationstar to expect us to maintain a mortgage until I am XXXX years old. There never was a communication that shared their intent, the loan 'specialist ' XXXX XXXX was never available, was non-responsive and intentionally obfuscated the actions of Nationstar by returning calls to the wrong number. The last agent my wife talked to had no idea who XXXX XXXX was, and said that he would institute an investigation into why he was allowed to act on Nationstar 's behalf. 
We were applying for a loan modification under the auspices of HARP, in an effort to remain in our house. We are current on our payments and have never missed a payment, but have had some bad luck and ill health lately. We proceeded in good faith. It does not seem that Nationstar has done so.
On XXXX XXXX 2016 I purchased a new car .At that time no collection was listed, but on XXXX XXXX 2016 a report was listed as collection for $ XXXX.I do not have any idea what this is or whom it is from. It is not mine. I call Equifax at XXXX XXXX XXXX XXXX and all you get is recordings.Never can one speak to a LIVE PERSON. Account number XXXX that was given to me when I made a purchase on XXXX XXXX 2016. Due this error my score dropped over XXXX points. Equifax has a history of entering bogus information. They go by name and SSAN or address plays no role in their determination of how it is entered. This is not the first time this has happened to me personally. 

I would like to have this information removed from my report and to be made aware of what company entered this information. 

I ca n't contact anyone direct -- I have no idea of whom it is..
My complaint is for loans that I have acquired when I was a student which has been transferred to Navient from XXXX XXXX. My loans were a total of {$12000.00} but when I graduated from the University XXXX XXXX XXXX XXXX XXXX as a XXXX, I was not able to find work. This was approximately in XXXX. I was taking care of my XXXX XXXX children at a very low income average. However, I did keep communication with Navient and XXXX XXXX. It just so happened that I was charged late fees, and lack of payment with interest added. My loan grew to XXXX dollars. I have had to borrow money to keep them from reporting me to the credit bureau. In the past few years, I have paid and paid, but my balance seems to stay the same for the most part. I do believe that my account needs to be reviewed.for financial discrepancies. I may be paying money that I should n't have to pay. Also, I have found that XXXX XXXX was paid for several loans thru the Department of Education, so some of the loans that I am being charged could have been already included in my loans thru the Department of Education. My loans are being handled with XXXX.
I have been trying to get this resolved for some time now. I did file a previous compliant and what AMEX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to XXXX. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to Amex please see the attached email from AMERICAN EXPRESS. It was paid to them XX/XX/XXXX 2nd If  the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.
The customer sevice said that she was going to help me with XXXX and did not assist me. I am still waiting. I have a goverment licence for XXXX and I spoke to XXXX XXXX and told her that I have to register the XXXX XXXX funds for my compensation for my program. She said ok. I explained to her that the XXXX XXXX agent said that the computer device to register the XXXX XXXX funds was at payomatic and that the computer has been there for a long time. The agent told me this in 2015.  Please note that as a licensed contracter, please notify the payomatic director XXXX of my rights to register my XXXX XXXX shareholder funds. XXXX said that she would speak to anyone who can call her to let her know that I am ready for the funds to be released from XXXX XXXX. The XXXX XXXX  agent said that the computer device to register these funds is at payomatic and she told me that in 2015. I  already confirmed with the Federal Trades Commission with proof of funds and I already confirmed with the XXXX XXXX agent XXXX XXXX and she said that my funds are ready to be released as a grant XXXX licensed with the federal government. Please let the payomatic director XXXX know that I am ready to retrieve my funds.
I have disputed this matter already with this company.And I called them on XXXX-XXXX-17 as well.They told me they would send information on both accounts & that they would send deletion requests to all 3 credit reports which they have not done yet.
I have received phone calls at my home and place of business advising me that I was scheduled to be served with a warrant for my arrest with regards to a phantom debt for a payday loan that I did not initiate. In checking my XXXX ( XXXX ) credit reports, the collection agency has notified the credit bureau 's to the phantom payday loan and my credit score has fallen XXXX points. I have notified all three ( XXXX ) credit bureau 's with a dispute request. I took the liberty to research this agency and discovered that other consumers are being charged for the same phantom payday loan. Presently, I am in the process of retaining an attorney to file civil and criminal charges against this business once,
I sent {$760.00} from my XXXX account to a bank account in XXXX on XX/XX/2016 ( Monday ) using Remitly.com. The funds were to be delivered to the destination bank account by Friday XX/XX/2016. To this day ( XX/XX/2016 ) the funds were not received in XXXX, nor returned to my bank account. Remitly has no idea where the money went, and can not produce any proof that they correctly executed the money transfer from my account to the one in XXXX.
An umbrella consolidation was done and delayed an additional 60 days to accomdatie NAVIENTS student loans. Eventually based on the information received a check was issued. A review showed the a pay-off check was received an cashed by Navients. However, Navients denied receiving payment and has instead conjured up additional laons from their hidden closet. When will it all end and how far will they go? Please help me to be rid of the fraudulant, underhanded company. 
XXXX