WillisBack/dataset-financial-user-claim huggingface dataset:
I have an auto loan with Chase Auto Finance. In XX/XX/2017, my payment due date fell on a Saturday. I made the payment on Friday before the XXXX cutoff time. Instead of the payment posting that day like it should have, it didn't post until the following business day, resulting in a 30 day late payment that is showing up on my credit report. I've tried calling Chase Auto Finance multiple times to request that this 30 day late payment be removed from my credit report, and every single time I end up having to ask for a supervisor and/or manager, which either ends with a disconnected call or failed transfer, or that someone will have to call me back. I've never received a return call from a supervisor or anyone else in management. I've tried sending a payment dispute letter to their research department, but I can't get any answers from that either. I would like Chase Auto Finance to remove the one and only late payment from my credit report so that I can continue with the process of buying a house.
Equifax is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Equifax and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX Loans XX/XX/XXXX.
We were told we were XXXX days late on a payment to this card ( Capital One ). We thought we payed it off in XXXX 2016 with a payment of over {$3000.00}. We have never been late before. Evidently there were re-occuring charges that we did not know about. XXXX XXXX about {$25.00} per month. We have cancelled that. We talked to a Capital One agent in XXXX about this bill we were getting. He told us that everything would be OK, he would take care of it. Obviously he did n't and now we owed this late amount. My wife in disgust paid the {$190.00} on XXXX XXXX, 2016 just to clear our name. But they say that there is nothing they can do to restore her credit rating of over XXXX since it is over XXXX days late. We are trying to refinance. 
Obviously these big companies could care less about us little guys. They just do n't believe us. Also, we never received any paper statement about this bill. Our refinance guy found out about this. My wife 's score dropped over XXXX points. All we want is her credit rating restored. We did not do this on purpose.
Nelnet reported my student loans as delinquent, when in reality, my university ( University XXXX ) failed to report my enrollment correctly, resulting in over XXXX negative marks on my credit score. Nelnet claims that my Enrollment Certificate is not enough to prove my enrollment for debt purposes, and though the fine print of the document says 'This document should not be used for loan deferment verification purposes ', I believe this is not an issue of deferment, rather it is proof that my loans should never have been due in the first place.
After doing careful research reading the FCRA laws XXXX, Equifax, and XXXX  are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX  in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each  credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!
There is a company that contacted me, advising they were capital one finance and that I was approved for a loan, text my cell # and advised to call back. Upon calling the XXXX to inquire about this so called {$10000.00} approval, the foreign sounding over seas gentlemen had my last four of ssn #, address, date of birth and checking information, which is scary. Stated that he was from Capital one and asked a few questions then advised I was approved and the money would be deposited into my checking account, I started to feel leery and begin to probe, and ask for the loan documents to be emailed to me for review and signature. I received a generic email from XXXX XXXX he used a XXXX account- first red flag and the document which I have a copy, is illegally using capital one logos, however the other red flag since I used to work as a XXXX XXXX in the XXXX  industry is that it did not address my name, only Hello, it did not list the agreed upon amount and the breakdown was generic, which is violating the TILA as all terms should be clearly stated, which led me to believe fraud, also they list a senior loan officer but underneath his name is a payday advance company then it shows a finance partner of capital one, yet all the pages on the pdf document is illegally using capital one logo, which I have a credit card and checking XXXX so I am very familiar with capital ones letters and ect. This is scary because they have all identifying and monetary information and I was just lucky enough to identify a scam, but I am sure they have damaged other people and possibly committed monetary fraud on their accounts,
The student loan was opened originally XX/XX/XXXX and consolidated in XX/XX/XXXX under a student loan consolidation to include all my federal loans. One however did not make it. The loan was then sold to XXXX and although I had my loans in hardship forbearance the bureaus still have inaccurate information on my credit report. I was told, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due since XX/XX/XXXX - XX/XX/XXXX on both Equifax and XXXX. I can't seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
I am trying to open a bank account for my business but a account from SunTrust comes up under my info and it's not mine that needs to be disputed
The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a 30 day late on my credit for XXXX and XXXX I have asked them to be remove and it still has not been done yet.
hyundai finance uses discriminatory tactics to make rate decisions, the company uses the relationship of dealerships as a basis to discriminate on their customers. they take equal credit profile people and make rate concessions and adhustments according to the dealership they visit. for example i was forced to give better rates to customers with worst on exact profiles than the next customer just on basis of dealerships as opposed to the merit of the customer
The current balance is {$8100.00} ; last month 's balance was {$8200.00}. The interim payment was {$250.00} ; {$160.00} went to interest. Within the past hour, I called Synchrony Bank to ask for a reduction in interest and was told that nothing could be done. I was told that the Bank 's practice was to increase the interest charged as the balance increases. How can the balance be reduced under these circumstances. No doubt this method of operation is applied to all of their credit card offerings. This is usury. Needless to say, I have stopped using the credit card.
On Monday, XX/XX/XXXX my wife and I leased a new XXXX XXXX XXXX from XXXX XXXX. As part of the transaction, the termination of our lease on our XXXX XXXX XXXX was processed. As discussed with the sales manager in  great detail, part of the deal was that we would be " free and clear '' of our lease on the XXXX XXXX XXXX, which included the early termination of our lease. The only payment moving forward would be on our new lease for the XXXX XXXX XXXX. 

In the first week of XXXX, I discovered via an email regarding my credit report that XXXX XXXX XXXX claims that we owe {$1400.00} and are delinquent on the outstanding balance for Early Termination of the Lease on the XXXX XXXX XXXX. We have never received a bill in the mail or via email. I called XXXX XXXX XXXX and attempted to explain that this was incorrect ; it was our understanding that I did not owe anything, as the termination of the lease was part of the transaction of leasing a new XXXX XXXX XXXX. I was told by the representative that this was based on the sale of the vehicle and the terms of my lease. The representative was very unpleasant and stated that XXXX XXXX XXXX did not communicate with dealerships and that I need to contact the dealership if I felt there was an error. 

I went to the dealership and my sales representative referred me to the finance manager who I communicated with via email. Yesterday ( XX/XX/XXXX ), the finance manager left a voicemail stating it was not {$1400.00} that I owe, but only two payments, which would be around {$790.00}. She also referred me back to the sales rep and the manager, which I will do. Though there may be a possibility of a clerical error, at this point I feel that I am getting the run around, so to speak. Either way, I think there was a binding verbal agreement that the old lease was terminated without any liability, and that we were only financially responsible for the new lease. 

Additionally, I never received a statement for the {$1400.00} from XXXX XXXX XXXX, and it was reported to the credit bureau without my knowledge that XXXX claimed it was owed. I stopped receiving payment reminders for the XXXX XXXX via email in XXXX. The website now shows the balance owed of {$1400.00} and number of days it is considered late. It also shows that we made 35/36 payments on our lease, with only the XXXX payment as not paid. I not only contend that I do not owe the {$1400.00} and but it also should not have been reported as late to the credit bureaus, so that needs to be removed from my credit report.
I have been filing a dispute for months for XXXX XXXX XXXX XXXX acct # XXXX, the tax lien has been removed from all bureaus as well except Equifax , and XXXX acct # XXXX. XXXX has removed both of them but Equifax left it on, I thought all credit bureaus used the same investigative measures. I sent a letter to Equifax letting them know that the other credit bureaus removed it and Equifax left it on showing verified. The account for XXXX XXXX I never lived at the address XXXX XXXX XXXX nor did I ever have XXXX & XXXX and the XXXX acct # XXXX belongs to my son, we have the same first and last name and different ssn.
I checked my credit report today and noticed that on XX/XX/2017, a collection was placed on my credit cable company XXXX. 

I currently have active service with XXXX and have never defaulted on my account. I was contacted about a year ago about having multiple services in my name including services in other states and different parts of town. 

Apparently my identity and likeness has been used to secure services in other locations.
I had a personal loan with this company, and i paid this loan off on XX/XX/2018.i was informed at the time that this account would be closed within 30 days.but as of this date that account still exist on my credit profile.
On XXXX, XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Chase stating that they were closing my account because continuing the relationship would pose a reputational risk to their company. The letter did not give any more information. They stated for more information, I should contact them. I contacted their office on XXXX XXXX as soon as I received the letter and the woman on the phone was not able to give me any information. She stated she could not see why my account was closed. She then wrote an email to corporate to ask them to contact me. She stated they will contact me in 24-48 hours. I am still waiting for the call. I do not understand this decision, since I have between really good and excellent credit. I pay them on time and have not had an issue with them.
My loan was transferred and I was never notified. It is my understanding they 're supposed to notify me 15 days prior to the effective date. It 's effective as of XXXX/XXXX/2016 and I was never notified ( Today is XXXX/XXXX/2016 ). My escrow is also down to XXXX and I 've got my property taxes due as well as my homeowner 's insurance. My homeowners ' insurance is due by XXXX/XXXX/16. My last payment was made on XXXX/XXXX/2016 as well, but I was n't notified it was transferred, so I made the payment as usual. As of today, payment has not come out of the bank either. 
Loan is with United Wholesale Mortgage.
I was contacted by phone from Convergent right before or around the 7 year date of past due payment to XXXX. I owed approximately {$9000.00}. They did n't tell me I had a right to dispute. They offered for me to settle with them at a reduced rate, of which I had no funds to provide. They said I could work out a payment plan monthly. I told them I could n't afford to pay much back in payments monthly because since XXXX I had been on XXXX. I also told them I know it is my responsibility to pay it back. I wanted to pay it back too. Then I told them I was n't working and had no idea when I would be returning to work. I have n't had substantial earnings having tried several places of employment only to have symptoms return and have to quit the job. Holding employment XXXX for XXXX or less. I 'm working now since XXXX of XXXX at only XXXX a week as that is all my XXXX and I know that I can manage. 
For the month of XXXX XXXX Convergent did n't take my auto-pay payment and did n't contact me. This payment is taken on or about the XXXX of each month since, I think, XXXX XXXX. I have paid back close to XXXX already. They may have not taken auto-pay because in XXXX I reported a lost or stolen debit card and the XXXX sent me a new one with different debit card #. I called to explain this to Convergent on XXXX/XXXX/XXXX after receiving my XXXX statement but I could only leave a message as the call was n't taken from me. In addition, I called to let Convergent know that I have recently found out that they can not collect XXXX for payment of collections. I am fearful they will take more money from me now that this month of XXXX XXXX the {$150.00} garnishment from my Bank account was not processed, which they may believe is intentional on my part. This would break any phone agreement we made in XXXX. 
I 'm also contacting you to ask, " Can they take this money from me legally? '' And, " Who can represent me if they are n't allowed? '' Thank you for reviewing and responding to my concerns.
We paid the first installment of our XX/XX/XXXX real estate taxes on XX/XX/XXXX in the amount of {$7200.00} & {$430.00} ( interest ). The payment was approximately two months late. Our mortgage holder, Greentree Financial/Ditech, used this as justification to impose a Forced Escrow Account that would be attached to our mortgage account.Greentree Financial/Ditech 's subcontracted tax payment vendor, XXXX XXXX was notified about the late payment, and they SUPPOSEDLY sent a first installment check to the XXXX XXXX XXXX 's office but NO payment from XXXX was ever received or processed for this first installment by the XXXX XXXX XXXX XXXX XXXX, onlyOUR payment was received, and it was applied to the tax bill. On XX/XX/XXXX, we paid the second installment of our taxes, {$4500.00}, which was credited to our tax account by the XXXX XXXX XXXX 's office. Greentree/Ditech 's subcontracted Tax Vendor, XXXX sent a check AFTER our taxes were already paid to the XXXX XXXX XXXX XXXX on XX/XX/XXXX. That check hasbeen sitting at this office since that date, and it was never applied to our account because there was no outstanding balance. All this information can be verified with the XXXX XXXX XXXX XXXX XXXX, and we have attacheddocumentation validating this information with confirmationnumbers and dates of payments and payers. In XX/XX/XXXX, we began contacting Greentree/Ditech about this issue, urging them to contact the XXXX XXXX XXXX XXXX XXXX and have their funds returned. We sent letters, faxes, made calls, etc. We supplied documentation from the XXXX XXXX XXXX 's XXXX showing that the taxes were paid in full by us, and that no funds from Greentree/Ditech had ever been applied to our account. The XXXX XXXX XXXX XXXX XXXX told us that Greentree/Ditech must request that this check be returned to them, but they have never done this, in fact they have refused, because they want to impose the Escrow Account to our current mortgage. Our current mortgage payment was {$1400.00} per month, with the new Escrow Account, the proposedmortgage payment and fees would be over {$2900.00}, a 100 % increase in our monthly payment. We have decided to pay off the principal balance of ourmortgage this month, {$31000.00} ( plus interest fees ). The Escrow Account that was to begin this month should be voided, as it was to be initiated in XX/XX/XXXX, and the mortgage will be paid off before XX/XX/XXXX.
I am writing to you today as I am beyond out of my mind with the harassing phone calls I am receiving numerous times per day from this alleged collection agency, Credx Debt Recovery , LLC. They have also tracked down my father who is XXXX years old, my children, all XXXX of them, my daughter-in-law and her family and now friends that I have n't seen in years! This has to stop! It is utter harassment and the woman that is making the calls is as rude as can be, yelling at me, threatening to have me arrested! 




Is there anything that can be done about this? How do I make these unbearable calls stop? I am aware of the FDCPA law and am hoping that this can be enforced against these people. Anything you can do to assist me would be greatly appreciated.
I am with  Fay Servicing  and I was sick with  XXXX  and fell behind   XXXX   months. I was paying  XXXX  month at a time and then when I saved enough to pay  XXXX  months they send me an Act  XXXX  when I was not even   XXXX    days past due. I applied for a modification and was denied because the investor stated I had a modification in   XXXX   XXXX   at which time they raised my interest to 6 %. I am filing an appeal but I understand that I should not have received the Act  XXXX  until I was   XXXX   days delinquent according to your   XXXX   XXXX   XXXX    XXXX  day rule in PA. Please help me in this matter.
My ex wife took out money from usaa after filing for divorce using my identification and military XXXX   papers
Constant non stop, several calls per day to my cell phone. I 've answered and they say they are wanting to speak with someone other than myself, I tell them they have the wrong number and I am notifying them to stop calling, as I am charged on my cell phone. They have continued to call even more frequently. Tactless, rude demeanor and quite disruptive. Please STOP these people. Thank You.
Purchased an item on XXXX through PayPal, in early XX/XX/XXXX. I was issued a partial refund of {$11.00} from the seller. PayPal refuses to credit the {$11.00} back to my account. I've spoke with customer service on 5 different occasions, emailed and chatted on line with customer service but to no avail. PayPal associates said ( XXXX ) it was return to my account, but I nor my bank has any transactions to support that claim. I spoke with the XXXX help line twice for any help at all, but the two companies are separate. I tried to close the PayPal account but they show I have {$11.00} on the books and can not close because of that, then true as that is, how could they have returned the {$11.00} to my bank and on what date? There is not a PayPal location in my state of Va, the headquarters is in Ca., please help.
wellsfargo bank made a cash advance to my checking account in XXXX of 2015, then they locked my account from me until XXXX of 2015 when I finally was able to get into my account when I noticed that they had made a {$10000.00} cash advance to my checking account which had a lot of interest charges applied to it. the bank said I would have to pay it all back before they would refund any money. I had to take money from another bank to pay back what I did not ask for ...
I started receiving credit alerts from credit reporting agencies on or abou t   XXXX   XXXX   2017 reg arding negative actions. Once I researched I found a collection agency 'parked ' a medical collection to all  XXXX  of the major credit reporting agencies. The debt was for {$94.00}. Prior to the alerts I never received calls or mail notices regarding this debt. The company did not give me an opportunity to dispute the debt before 'parking ' the debt to the credit bureaus. Since I did not want the negative information on my credit file I paid the debt. After I paid the debt on    XXXX   XXXX   2017 the  company then sent me the notice of debt with the amount due and dispute language.   The company violated regulations improperly reporting the debt to the credit bureaus before notifying me and giving me the opportunity to dispute the debt.   The collection company wrongfully damaged my credit.   The collection phone # 's are  XXXX  and  XXXX .
My friend has continued to pay large amount of overdraft fees ; it works like this, he has a checking account that a large commercial bank, Wells Fargo ; he has a savings account which affords the checking account overdraft protection. He has no money in the savings account ; yet he is permitted to withdraw funds from his checking account via a debit card for an overdraft fee of a substantial amount. He has owed close to {$1000.00} in overdraft fees on more than one occasion in the past, he tends to be financial irresponsible ; and the bank allows him to continue this practice for fees. We have been a couple for many years and he has paid large sums of overdraft fees in the past thirteen ( 13 ) years.
I 'd like to know why banks permit this practice when the only benefit is to the bank.
My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
Chase Auto Finance XXXX # XXXX XXXX XXXX TXXXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX