WillisBack/dataset-financial-user-claim huggingface dataset:
My loan payment to Veros credit was due on XXXX XXXX, XXXX I called on XXXX XXXX to set up arrangements and spoke with a rep who gave me the total amount due for XXXX and XXXX and I went online and set ily he automatic payment. Since I have received 4-6 phone calls per day, no messages left and then they started repeated phone calls to my job and then they started calling my mom. I spoke to a supervisor who told me their call log regenerates and they call any number they have on their. The phone calls I 've received AFTER speaking to their representative and setting up the electronic payment are as follows : To my cell phone # ( no messages ) Wednesday, XXXX XXXX -- XXXX, XXXX, XXXX Thursday, XXXX XXXX -- XXXX, XXXX Friday, XXXX XXXX -- XXXX, XXXX, XXXX Saturday, XXXX XXXX -- XXXX, XXXX To my MOMS cell phone : Saturday XXXX XXXX -- XXXX XXXX Friday, XXXX XXXX -- XXXX XXXX, XXXX, XXXX Thursday XXXX XXXX -- XXXX, XXXX, XXXX Wednesday XXXX XXXX -- XXXX, XXXX, XXXX I can not list the times they 've called work, but there has been repeated phone calls from veros credit to my work line but they hang up or do n't say anything per my coworkers. I called again on Saturday to speak to a supervisor or said there was no notes in my account but she saw the arrangement set up? The supervisor assured me that their collection practices were not harassment.
My husbands mother passed away in XXXX. We have sent an original copy of her death certificate and filled out the paperwork that they sent. We received confirmation that they received these items and they still call XXXX times per day ( each of our phones ). Each time we explain what has happened and each time we are told that the calls will continue until the mortgage is paid.
XXXX XXXX XXXX Acct # XXXX I originally disputed the information in XXXX concerning this account. The company responded as verified and accurate. I later contacted the XXXX to work out an arrangement. We came to an agreement concerning this account. After several months of contacting the credit bureaus due to the inaccuracy of reporting this account, I would like this account deleted from my file. 

Included are my documents proving that the credit bureau willfully continues to report incorrect information damaging my credit worthiness. The first page is the settlement offer which I accepted on XX/XX/XXXX. The second page is taken from my XXXX report dated XX/XX/XXXX. The third and fourth page is from XXXX datedXX/XX/XXXXThe fifth is Experian dated XX/XX/XXXX. As you can see, there is no attempt to report the status, grid or comments correctly. There are also gaps in the grids and failure to include date of last activity. 

The second attachment is proof that I did pay XXXX. I included both pages of my statement for completeness. On the second page, you can clearly see that on XX/XX/XXXX, the payment was made to XXXX. If you wish, you are more than welcome to verify this with them. 

Under FCRA Section 623, the credit bureau refuses to correct inaccurate information and I do not wish to seek damages at this time. However, I would like this account deleted immediately.
i am XXXX years old. i started using credit at 22 when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of XXXX  years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about two years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only two years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.
Experian has locked me out of the online dispute system and refuses my access to a paid credit report.
In 2013 I took a private student loan with Sallie Mae for my son who is still in school. I took a loan with a fixed interest percentage, and I 'm suppose to pay only interest while he is in school ; however, I always send an extra payment in order to decrease the loan. I have noticed that the monthly minimum amount changes, but I will not be able to tell you the exact amount because the do n't send statement and when I sign into the website they provide you a list of peymrnts received but they do n't provide how yo retrieve statements. The original loan was for XXXX and it is XXXX
I attended XXXX College in 2008. XXXX College applied for loans on my behalf and at that time I did not understand the terms and conditions. XXXX College promised me a job in the field of XXXX XXXX, which I have never received. Upon completing the program I have been receiving bills in the mail from the loan company Navient for the past 10 years. XXXX College is known as a predatory lending scheme that I was a victim of and because of this deception XXXX College has taken a traumatic toll on my life. For the past 10 years, it is still affecting my credit and furthering my education.
this information that has been reported to my credit report is fraudulent, and I would like it to be immediately removed and blocked from my credit report because it is causing me a lot of health issues.
On XX/XX/2018 XXXX credit card has reported a miss payment to my XXXX credit report and also on XX/XX/2018 reported to XXXX and Equifax with inaccurate and obsolete information thats shows on all XXXX credit bureaus and they will not remove it.
I purchased gas in the amount of XXXX on my American Express Serve card. They put an additional hold of XXXX to verify my balance. I felt that this was an extreme amount of money. When I called to complain, they first told me that it would be 8 days before the money would be returned to my card. When I asked for a supervisor, that person told me that they would need to transfer me to Technical support to see about getting the hold removed. I was on hold for 1 hour and 41 minutes, and then the call dropped. I have since tried to call back and had no luck. This has caused my account to be in the negative by XXXX. They have taken all of my money for the week and I will not be paid again until XX/XX/XXXX. I have a screenshot of the on hold time with this company. They have offered me no type of resolution to my issue. I even verified that they had my number on file in case we were disconnected, which they assured me they did, and I have yet to receive a call back from them. I have used the card for gas plenty of times, and never had a hold like that. I purchased from the same XXXX a week ago and no hold was placed. This is just them keeping extra of my money for a week and it 's unjust and unfair.
I signed up for this home buying program called NHBA= National Home buyers alliance. They present their program as if, they can get you approved to buy a home becasue they own their own bank. I was never told that I would have to go thur a more natural process in purchasing the home. One thing was XXXX said I would have to make sure that I pay all my bills on time without being late. I aim for that, each month. But my question was what if something happens and I have an emergency with my family and I am 30 days late. XXXX said " you would have to have 12 months of no late payments. I asked for my money back that I had paid into the program. She said there were no refunds and becasue I sign some forms stating I fully understood than, I could NOT have my money back. My issue is I did not read that I had to have 12 months of full on time payments before I could perceed. At this time, I asked them to freeze my account. It seems like a lot of money to pay just to get qualified for home purchase. Once I do what is asked of the program. NHBA has another hoop and more money asking from me. I see this as a predator leading from NHBA, it seems like they prey on citizens that are middle class and want better. If I would have know the fine details of this program, I would have never signed up for it. I wish to have my full refund of $ {$880.00} returned to me. And what kind of company can not furnish a receipt. I want receipts has well for what I have paid in to this program. If you do n't have a receipt than it 's not business. At this time, I demand a receipt and a refund. 
Thank you XXXX XXXX XXXX XXXX XXXX, GA XXXX
I am filing this complaint because Equifax has ignored my request to provide documents that their company has on file to verify the accounts that I have disputed. Being that they have gone past the 30 day mark, and have not been verified these accounts, under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible thank you
Fast forward 5 years and the same problems exist with my loan modification program today. When I started the process for a loan modification with Bank of America in XX/XX/XXXX and finally approved for trial payments in XXXX, XXXX. I started making my 3 trial payments with the understanding that BOA will report to the CRAS that I was making the trial payments and all the future payments under the modification according to the letter they sent me ( although, from what I understood under HAMP guidelines, if a customer is current during a loan modification period, the lender must report them as current to the CRAs ). Obviously, this has not happen with my home loan account with Bank of America despite being making payments on time every single month as stipulated under the permanent loan modification approved since XXXX, XXXX with first payment sent in XXXX XXXX under the permanent modification ( please see record of payments attached ). On XXXX XXXX, XXXX I was granted a bankruptcy under Chapter XXXX where my vehicle and my home were excluded by my own request wanting to keep my home already going under a very long process for a permanent loan modification delayed by Bank of America. On XXXX XXXX, XXXX on XXXX in XXXX with the XXXX my final hearing with the assistance of my attorney in XXXX under my Oath and Confirmation to the bankruptcy with Judge XXXX XXXX, XXXX District of XXXX the hearing conducted and processed by phone ( see copy of documents ).
On XX/XX/2018 an automatically scheduled payment of {$390.00} was deducted from my checking account. However, Navient only applied {$260.00} to my student loan account on XX/XX/2018, the additional {$130.00} was not scheduled to apply to my account until XX/XX/2018. I called and spoke with a supervisor who said she would reset the counters ( again ) and the payment would be applied correctly. The following day I received a notice that I needed to direct an over payment, because this was a Saturday I waited until Monday, XX/XX/XXXX to call. On this day I spoke with a representative who told me I needed to wait a few days. I have now waited and no action has been taken. 

Additionally, upon review of recent payments I discovered a payment of {$530.00} on XX/XX/2018 appears to not be fully applied. The payment history shows a payment of {$530.00} but on the payment allocation it appears only {$340.00} has been applied. What happened to the other {$190.00}? Why was {$190.00} not allocated the way in which I directed? Navient never notified me of a need to specify how to deal with an over payment. In fact, because I have contacted Navient so many times they have set my account to default to never extend my due date. It appears my due date is not being extended but my money is now not being applied to my loans. I contact Navient at least once a month due to misapplication of payments but I believe in XXXX I did not contact them because I thought my payment was applied correctly. 

I now have no confidence that my payments were applied correctly over the life of the loan. I wonder how much Navient has stolen from me.
CMRE is fraudulantly reporting on my credit report two medical accounts that are not mine, they are the result of Identity Theft.
Gmac is sharing conflicting information to myself and my XXXX credit report my first delinquency of my auto loan was back in XXXX as it is stated on my credit report and Gmac is reporting my first delinquency as of XXXX that is incorrect I will be attaching a file with cfpb results from XXXX and gmac and my credit report that has the first date of delinquency
Collection agency is reporting false information to the credit reporting agencies. Collection agency says I owe them for a debt. I asked the debt to be verified and proven that I owe this debt to collection agency. Collection agency failed to prove that I owed the debt. Collection agency is violating my rights by reporting false and inaccurate information.
On XXXX XXXX 2017 I purchased a new vehicle through XXXX XXXX XXXX dealership in XXXX Tx. The company that financed my vehicle Santander Consumer USA never requested proof of income residence or job so with that said they approved me for a loan of XXXX that was fraudulently done by Santander and the dealership XXXX XXXX. On the actual contract there is a down payment of XXXX that i never gave down, on top of that i was never given the half off the vehicle due to severe hail damage sale they had going on. I have called the dealership numerous of times with nothing resolved. I also called Santander on X/XX/17 to advise them of the same thing. I got a call back from XXXX from the office of the president on X/XX/17 we went over what happened at the dealership and with Santander she clearly stated that the dealership was at fault and they santander do not require to verify job, residence and income they just go by the credit score. I can not understand how this finance company stays in business by going after hard working people such as i. I work two jobs now im stuck with a car that is worth maybe XXXX and what i owe is XXXX. Your assistance will be greatly appreciated
I have disputed the late payments XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Received a call from a XXXX phone number before XXXX, XXXX. I picked up phone on fourth ring, and the phone calling hung up. I recalled them after XXXX, and complained, would not give me IID of person that called. Said they were sorry, and put supervisor on, again no ID provided. He stated that he in in Jared Jewelers corporate office in Ohio, and further stated it is the same time zone as XXXX, XXXX. I stated that it was XXXX I called the XXXX number and reach him. He stated well the towers are different and he ca n't be responsible for what tower was used and stated again he was in Ohio. He wanted to speak about my payment. I told him I ca n't pay till after the first when my VA XXXX check arrives. He wanted post date checks or my bank account. I refused and hung up.
This a complaint is in regards to PNC Bank. I recently applied for a preapproval for Mortage. I have banked with PNC for over 11 years. The representative humiliated my girlfriend. He basically laughed at me and only offered me loan for {$80000.00}. I want to another bank was approved for {$110000.00}. I was told by the other loan company that I had to payoff a credit card. I went to pay it off and accidentally made a payment from the wrong account. I noticed the charge on the PNC account and on the same day I made an ATM deposit by XXXX. I was charged XXXX deposits fees for using a non-PNC ATM. I work for a bank and I 've never even heard of a deposit fee. The funds were held from my account for 4 business days. I was never informed or give any information regarding a hold of this type. I was charged XXXX {$36.00} overdraft fees. XXXX was even for a POS purchase the second day for {$0.00}. I have sent 4 emails to PNC in order to get some type of resolution to the issue. The last responses had the same generic email, which says to contact them. One of the options was to contact them via chat. I tried to speak to representative via chat named, XXXX, whojust gave me the runaround basically. XXXX could n't assist me, but he did n't even attempt to resolve the issue. I asked him if he had a supervisor and he did n't answer the question directly. After asking the question a second time, he said his supervisor was gone for the day. So there is customer service representative, who currently has no oversight. He wanted me to call the center, but I was told via the email I could have the issue resolved. XXXX was unwilling to contact a supervisor in the call center itself to review the issue. XXXX disconnected from the conversation before I could even look into another resolution. I am very dissatisfied and sad given all of these events. I used to refer people to PNC. I guess things have changed. The best I can do is issue this complaint, so others do n't have to go through the same issue.
Equifax has continued to report a judgment on my credit despite providing proof that it should not be reporting on my credit file. This has been disputed several times and was removed from my file but reinserted several months later. I have recovered documents from my complaint against XXXX XXXX with the Maryland XXXX admitting that they agreed to completely absolve me of the debt, vacate judgment, cease credit reporting of the debt and stop harassment in exchange for {$3000.00}. I explained this to Equifax numerous times and they have continued to report this judgment even after being provided proof of me being released from liability and connection with the loan and judgment. The loan was joint and collections are currently against the other party and not me. There is a clear statement from the creditor admitting they did not save the written proof but verbally agreed to exonerate me of any and all reporting and collecting including the judgment. There is now written proof of agreement. 

Equifax is also reporting the erroneously entered collection account ( XXXX XXXX XXXX XXXX XXXX ) as a revolving account and it is updating as 30 days late every month. Why exactly is a wrongfully entered collection account reporting every as a 30 day late revolving account?
I called the number on my card to let them know I hadn't sen my card in over a week. So I wanted to cancel that card and get reissued another one. During this process the automated system asked me if I had made certain purchases. I had not made the ones that were mentioned so it had me file a dispute. When talking with the person on the phone I explained that I had only used the card for a few things IE : car insurance, health insurance, food delivery. He asked me if I had any knowledge of a credit for {$40.00} and I told him yes because I had gotten an email from XXXX a few days prior. So he told me what to do next and gave me a reference number. After a few days my new card was sent to me but I was unable to activate it as it said my account was blocked. Then I received a letter that my claim had been denied. SO I asked for the paperwork that they based their decision on. And the reasons dont make sense. So now I am hoping you can help.
Bank of America abruptly closed both of my credit cards with the bank ( in a letter dated XX/XX/XXXX, but which I only received yesterday ). The only reason provided was " your risk profile no longer aligns with the bank 's risk tolerance. '' I have a credit score of XXXX ( FICO ), have always paid my credit card bills on time, and received no warning that these cards might be closed. The only previous actions Bank of America had taken with these cards were to increase my credit limits on both. I called Bank of America and they said they have no say over it and I had to talk to FIA Services, who apparently administers Bank of America branded credit cards ( I was never told this ). FIA Services told me on the phone that they could n't provide any further explanation, and that there 's no way to appeal the decision internally. In the process, Bank of America / FIA Services eliminated all reward points I 'd gained on the card. I 'm especially concerned that this may hurt my credit rating, which has otherwise had no negative events. What can I do?
I was never on a lease with at a rental building called XXXX. i lived in the complex briefly but was never on the lease and only stayed there temporarily. Just recently I was contacted by a collection company stating that i owed XXXX. This ca n't be as I never was on any legal document. I 've attempted to have them send me the proof of debt to no avail as well as try to have the item removed by going directly to the bureaus. They are negatively affecting my ability to get a home loan at this point and I have no other place to turn. Please assist in any way that you can. Thank you
I was searching for potential apartments to move into on XXXX when I came across a 1-bedroom apartment ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) for $ XXXX/month. During the afternoon of XX/XX/2018, I messaged the property manager, XXXX XXXX, through XXXX. At XXXX on XX/XX/XXXX, he sent me an email with more information about the apartment. I asked if I could view the apartment before filling out an application, but he said I could not view the apartment until the current tenant moved out on XX/XX/XXXX. He said for now I could secure the apartment by signing a Lease Agreement and wiring the first month rent ( {$2300.00} ) and security deposit ( {$1500.00} ) to  the Landlord ( XXXX XXXX ). XXXX said when I do view the apartment and decide I do not want it, I will be fully refunded. I emailed him the completed Lease Agreement on XX/XX/XXXX,  and the wired money went through to the Landlord 's BB & T  account on XX/XX/XXXX. He agreed to show me the apartment on XX/XX/XXXX at XXXX. However, on the morning of XX/XX/XXXX, he emailed me saying he could not show me the apartment because his mother just XXXX XXXX with XXXX, and he won't be back until XX/XX/XXXX. Since I currently live in this apartment complex but in a different unit, I decided to go to XXXX XXXX XXXX to see if anyone lives there. At XXXX on XX/XX/XXXX, I knocked on the door of the apartment, and the couple living there answered. They said they are the residents of the apartment and are not planning to move out any time soon. At around XXXX on XX/XX/XXXX, I went to the XXXX XXXX Police Department to report this fraudulent incident.