WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently in the process of obtaining a new home loan XXXX I disclosed to them that I filled for bankruptcy XX/XX/2013, and that at no time was my current home mortgage included in that bankruptcy. I continued to make timely payments throughout. The Bankruptcy has now been discharged and I am in the process of buying a new home. During the process of obtaining the new loan XXXX has found that the loan holder of my previous mortgage ( for which the property is now a rental and I still own it ) was not reporting my payments to the credit agencies and the agencies are reporting it as foreclosed. This is absolutely incorrect. I have asked that the loan holder ( Wells Fargo ) update this information to the credit agencies showing that I have made timely payments, and have remained current throughout the duration of the bankruptcy and afterwards. I have all supporting documents showing payment history and a letter from my XXXX Attorney stating that the mortgage was never included in the bankruptcy to begin with. After 6 weeks of back and forth with WF they say that they have removed the dispute, but they will not confirm this to the credit agencies. My new home is ready to move into, but I can not due to my information being erroneously reported to the credit agencies and WF 's unwillingness to help correct the matter. They insist that is up to the credit agencies. I am now 1 week homeless and no closer to closing on my new home. I need help in having this matter resolved in a speedy manner, please.
I got a loan for XXXX from this company. They had pull ed two payments from my acct equaling XXXX plus dollars. You would think my loan would be down to roughly XXXX dollars left to pay but it wasn't, I called the company to get a balance and the balance was over XXXX due to " fees '' and outrageous interest 299 %. I know these kind of loan company 's have been getting shut down due to their fraudulent activities and ripping people off, making an agreement they know is impossible to paynoff in payments etc ...
Sent in via Overnight mail on XX/XX/2018 a Guaranteed Cashier Check in the amount {$2300.00} that exactly covers the Principal and Interest of my monthly mortgage payment. Seterus did not credit my account for the principal and interest which would have satisfied my XX/XX/XXXX Due  Date. Seterus has no reason to put funds into suspense account as the {$2300.00} is the exact payment necessary to satisfy my monthly mortgage payment. Seterus is willfully trying to cause my payments to be late by not applying funds and in addition not accepting two previous payments that had been made on XX/XX/XXXX and XX/XX/XXXX. This prompted me to make this payment via cashier check which should have guaranteed my monthly Principal and Interest to be credited toward my mortgage.
Background : I filed Chapter XXXX BK in XX/XX/XXXX, and Chapter XXXX in XX/XX/XXXX. The Chapter XXXX is satisfied and all payments paid ( at least 1 year paid off ). My XXXX credit score is XXXX as of XXXX/XXXX/XXXX. 

I noticed that USAA continues to report status " In Chapter XXXX Bankruptcy '' -last reported XX/XX/XXXX. Please see attached. Is that appropriate reporting? The other creditors reported it once in XX/XX/XXXX and XX/XX/XXXX respectively and has not reported monthly since then.
There is XXXX XXXX XXXX account that are NOT mine, XXXX was open X/2016. This needs to be removed it is fraud and again NOT MINE
I was conditionally approved for a Deed In Lieu ( DIL ) back inXX/XX/XXXX. I signed the DIL documents with a notary assigned by the Select Portfolio Servicing ( SPS ), the mortgage company, inXX/XX/XXXX. The DIL was filed with the XXXX XXXX XXXX and XXXX XXXX onXX/XX/XXXX. However SPS continued to report me as late pay and delinquent to all three credit bureaus for XXXX, XXXX, XXXX and now XXXX,  as we enter this new month. <P/>I sent certified letters and copies of the DIL to all three credit bureaus showing them I no longer own the property that I was alleged to be late paying on and asked that they address my credit file accordingly. No action to delete or update the file to show it was turned over to the mortgage company was initiated. <P/>In effort to work with SPS, I obtained a copy of the DIL at my own expense and forwarded it to them on XX/XX/XXXX. The refused to honor this document. I went a step further, to contact the third party vendor, XXXX XXXX paid to file and forward the DIL to SPS. When I called, they told me they could not speak with me about the matter of forwarding my DIL documents to SPS, because I was not their client. <P/>Today, despite trying to rebuild my credit after a divorce, which is what precipitated the DIL, I continue to be harmed financially by SPS 's negative reports to the credit bureau by and the bureau 's negligence in addressing my credit file, despite the proof having been provided to them.
On both XX/XX/XXXX and XX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.
On XX/XX/XXXX opened a Bank of America checking account with a {$150.00} bonus offer for 3 consecutive direct deposits. I have made 6 direct deposits as of this date they were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all in the amount of {$500.00}. I have called customer service on numerous occasions and been given the run around first told it would be in my account on XX/XX/XXXX then again on XX/XX/XXXX, still nothing. I feel that I have more than done what I was obligated to do. I want my {$150.00} deposited into my account!
I was reported for greater than 7 years ( XX/XX/XXXX ) for a NY State paid tax lien and Transition continues to report this despite the fact that the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years. I have disputed this with Transunion and the item remains on my credit. It was originally reported XX/XX/XXXX and it is now XX/XX/XXXX.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX/XXXX XXXX, account number XXXX ; 2. ) XXXX/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) Bankruptcy, case number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
As submitted in a previous complaint- I am forwarding again documents from the National Student Loan Data System that proves yet ANOTHER error on behalf of Navient Solutions . As you will clearly see- all 7 accounts are listed as : 1. PAID AS AGREED 2. ON FORBEARANCE DURING THE PERIOD NAVIENT LISTS AS LATE FROM XX/XX/XXXX to XX/XX/XXXX. And 3. THE ACCOUNTS WERE CLOSED AFTER BEING PAID IN FULL BY A CONSOLIDATION LOAN IN XX/XX/XXXX AND NAVIENT REPORTS ACCOUNT INFO UNTIL XX/XX/XXXX!!!! Now how can that be if the accounts were paid and CLOSED? The accounts were actually taken over by a different servicer through the Department of Education. This why the NSLDS can provide details about the payment information on my Federal student loans. Number 3 above is just the latest discrepancy that I can prove on my report. Navient is wrong on so many levels. I want these accounts REMOVED! I have been denied loans several times as a result of Navients failure to comply with section 623 of the FCRA. Information has not been update nor corrected and now I can prove it is down right erroneous because the historical data fir these accounts on my credit report extends PAST the date the accounts were open!!!!
XXXX XXXX says they charged off over {$1000.00} in XX/XX/2017. I made monthly payments even after the account was closed and paid the balance off in full, but with late/missed payments in between. Last payment was for {$400.00} in XX/XX/XXXX/XX/XX/2017.
XXXX XXXX nor Navient ever offered or explained all payment options never once mention income based repayment leaving me with higher balance more intrest how can i renogiate for retroactive income based payments?
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX.

3 XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX
The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being XXXX I suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a 19.99 % interest rate, and the payment was very high. However, I was only 30-days behind on the payments, and if I was given proper consideration as before, I could have brought the payments current. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.
I decided to cancel an XXXX American Express card when I was charged an annual fee for the second year. I called to cancel it early this year, and the representative who helped me confirmed the cancellation and said nothing else. However, I continued to receive statements with a charge for the annual fee. 

When I called about this issue on XX/XX/XXXX, I was told by XXXX ( XXXX ) that there was a 30 day deadline for cancelling the account without an annual fee, and that I had been four days over the deadline. I objected that the representative had not informed me of this, and that if I had known, I would have kept the account open. I asked for the annual fee to be removed, or, if that was not possible, for my account to be reinstated. I was told that neither was possible. When I asked to speak to a manager, my request was refused. This representative did promise for my complaint to be sent to the proper department and that they would contact me about the result of their investigation. 

After not receiving any news for several months, I called again on XX/XX/XXXX, and this time spoke with with a manager ( XXXX ), who repeated that while they had tried to remove the annual fee both in XXXX and now, their software programs were not allowing them to remove it. He also repeated that I could not reinstate my account as it was past a three month deadline for that action. 

In summary, I am being asked to pay an annual fee for an account I can not use ; the company representatives tried to remove it and thus sanctioned the removal, but were unsuccessful.
I received initial communication from Rent Recovery Solutions in the form a letter dated XX/XX/XXXX ( no postmark present ). This letter did not include verification of the debt. On XX/XX/XXXX, I replied via certified mail with return receipt asking for verification of the debt and to consider the debt in dispute. 

After having sent the dispute, I received a letter dated XX/XX/XXXX ( no postmark present ). This letter threatens to report the debt to all three national credit bureaus. Reporting the debt to credit bureaus while the debt is in dispute would be a violation of FDCPA. Because this letter was sent less than 30 days after initial communication, Rent Recovery Solutions could not be sure the debt would not be disputed when sending this letter. 

Per the return receipt, my dispute letter was received by Rent Recovery Solutions on XX/XX/XXXX. I was called by Rent Recovery Solutions on XX/XX/XXXX. As of XX/XX/XXXX, I have not received verification of the debt. Because I have not received written verification of the debt in dispute, the phone call on XX/XX/XXXX was in violation of FDCPA.
I reached out to XXXX XXXX and later, Navient, to try and consolidate my private loans with them ; however, every time it was met with absolutely no help or solutions to help me in repaying my loans. I literally send them {$100.00} a month just so it shows I 'm making an effort, but it 's doing nothing to help me actually pay the debt off. It 's ridiculous that they make it so hard for people trying to do right and pay back their student loan debt. My federal loans are through XXXX and it was extremely easy to consolidate all loans into one payment that I can afford and pay back so it actually does something for my loan balance. Please help!
On XX/XX/2018, I received an alert that a collection from XXXX XXXX XXXX placed a collection on my account. I was not given the right to dispute alleged debt and was not properly notified of any debt before it was placed on my credit report. this appears to be a medical debt and is a violation of my HIPPA right because I did not give XXXX XXXX systems access to my medical accounts. 

This account needs to be taken off my credit report immediately and XXXX needs to give me validation that this debt is mine meaning a signed contract I have with XXXX stating I utilized their services.
You didn't have a option for me to select. XXXX XXXX XXXX  is reporting an old debt monthly as if the account is active or still open. The debt has been closed. I have the fact that they can pit whatever on my report monthly. Who gives them the authority to do This? Is reported m monthly on my XXXX and XXXX accounts. Those accounts are closed and should not be reported every month saying I'm late.
I turned in the equipment for XXXX XXXX to a technician that had come out to my house to install the new equipment to turn in to the company. The company said they never received the equipment. but said that I never owed them anything. Out of the blue I get a collection for XXXX put on my credit report from a company I 've never heard of ( I C Systems Inc ). When I called the company they still have no record of it but its hurting my ability to get a home loan.
Bank Of America Credit Card Opened XX/XX/2011 That Doesnt Belong To Me Now Its A Charge Off Account On My Credit Report
Navient has not been helpful at all in my repayment. I was laid off and now I work with a XXXX that has n't been able to pay me for 2 months. I no longer receive unemployment so it has been really hard. I spoke with a representative at Navient and the lady was so inconsiderate like she just focused on a script. I informed the lady that she woke me up and all she said was when can you make a payment. Then she informed me that if I do n't make a payment I will continue to get calls and will my co-signers. I informed the lady that my grandfather who was a co-signer passed away even before I graduated in 2010. She then asked me to provide the death certificate, I said really?! It was a shock being asked that. I wish the repayment was as helpful as XXXX. I was able to do repayment based on my income, without a struggle and irritating phone calls for my federal loans.
The loan modification process took entirely too long. The process should have been resolved after 3-4 months upon completion of " trial payments ''. In fact, through no fault of mine, the process took 8 months, from XX/XX/XXXX through XX/XX/XXXX. During this time, late charges continued to accrue and late payments continued to be reported to the credit agencies. The extended length of time caused further debt and a reduction in my credit score. At no time did I request for the process to be stopped, which is what happened half way through the processing of the modification at the discretion of the mortgage servicer.
In XX/XX/XXXX I was put on disability and my disability payments did not start until XX/XX/XXXX that was my eligibility date. in the meantime I was living off of partial pension of {$600.00} a month I called my mortgage company XXXX XXXX XXXX company to start up loan modification process I am still in the process of trying to get that modification through its been five months every time I call I get different information that they want me to send in and every person I talk to tells me to send in different items I have sent them paperwork on six separate occasions after filling out the initial application with all the necessary paperwork along with it every time I call they tell me that I need to provide additional information. Ive have been doing this for five months! in the meantime Im living off of {$600.00} a month and just started receiving my Social security approximately 28 days ago. Ive been trying to get the modification so that I have enough money to live on and I feel like theyre trying to keep me from getting the modifications so that my house will go into foreclosure .. at this time I have owned my home for 15 years and have never been late on any of my payments Im still keeping current on my payments through help from my family who has run out of money to help me with. I am at my wits end trying to resolve this issue.. I have done everything necessary on my end including keeping up my payments. at this point I am so upset and frustrated and being disabled on top of it is making my health deteriorate I need some help trying to resolve this issue with this company which is been the most unprofessional frustrating situation in my life. It is so frustrating not to be able to talk to the same person every time and also to not be able to go to a brick building and talk to somebody face-to-face .this company has outsourced their customer service to another country which creates a language barrier as well. there is no accountability, because every time I call its a different person! I am a XXXX who is XXXX living by myself trying to resolve a situation with a company that does not even know I exist I am beyond my capability to hold them accountable ... I would appreciate any kind of help I can receive in this horribly frustrating situation ..
BBVA Compass Bank had made a response back to me on XX/XX/XXXX. Compass Bank had admitted to making some errors and overlooked some information. At first Compass Bank stated that I owed them {$3300.00} dollars. Then they had went on and admitted to taking a refund of money back to them from the extended warranty for the car and also a refund on the GAP policy. So then they said that I owe them {$1200.00} dollars. The extended warranty cost was {$2500.00} and the GAP policy was {$350.00}. That would make the total refund that they had taken to be {$2900.00} dollars total. So the amount that Compass Bank had taken back to what they say I owe does not add up correctly. If I take {$3300.00} minus {$2900.00} that would be a total of {$420.00} dollars. So I have no idea how they had come up with the figure of {$1200.00}. The {$3300.00} amount is a figure that is on a letter from Compass Bank dated XX/XX/XXXX yet I did not receive that letter until the end of XX/XX/XXXX. Also seems as though that they had never returned my prescription medication. The cost of this medication is around {$1700.00} dollars for a one month supply. If I minus {$1200.00} from {$1700.00} that would be {$490.00} dollars. This medicine is something necessary for my daily wellbeing.
I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I do n't even know this company
Company continues to send letters to family members. They also continuously call my cell phone as well as my family members landline numbers throughout the day which is highly annoying.
This bill was paid a while ago.This should not be on my credit report! I have been rebuilding my credit over the past 2 years and I take my  credit score a nd report very serious. This came up today when I applied for a home loan pre-qualification. I  may  be denied because of this and I need this removed from my credit report.
The Credit Bureaus were reporting a bankruptcy, but the courts do not verify a bankruptcy, the courts told me they do not verify that information. Therefore, that information was pulled out from a third-party reporting agency, therefore I demanded it must be all deleted because the court say they do not verify. And I would appreciate once its deleted I want proof that 's it 's been deleted. Thank you for and XXXX bless.
Scottrade, CFPB, and Others, I am the mother and joint account holder of a custodial Scottrade account. I recently wrote a letter to Scottrade asking questions about the custodial account. It appears as though Scottrade did not even read the letter because rather than addressing a response to me, XXXX XXXX XXXX XXXX, Scottrade wrote the the letter and instead addressed my son XXXX XXXX XXXX XXXX and did not address the issues that I raised in my letter. 

I would appreciate if Scottrade could read and address my concerns brought by both myself and my son.
I received correspondence from XXXX XXXX regarding an alleged debt from XXXX for {$1000.00}. I spoke to several people from XXXX including XXXX his manager XXXX and another representative back in XXXX of XXXX that assured me this issue was resolved. All of these people advised me that there had been three accounts set up under my name in error and the extra account showing a balance of over {$1000.00} would be closed immediately. I have continued to do business with XXXX and pay my account faithfully. I have not received any notifications or heard anything from XXXX regarding this fraudulent account until i received this collections notice on XX/XX/XXXX. I attempted to contact the company directly to discuss but the representative XXXX was more interested in being unprofessional then resolving my issues. I am disputing this balance because I never owed this balance nor have I signed any paperwork regarding this account. From day one XXXX  has been deceiving and untrustworthy and they NEVER do what they are supposed to do. This account has been opened up in my name and ss # fraudulently. I demand that this account be verified and validated and removed from all three credit bureaus immediately.