WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX  I was attempting to paid off my account and made several payments. In  XXXX  I received series of communications via, email, mail and phone call suggesting that since the payments did not occurred on  XXXX , my account is past due. I made multiple payments in  XXXX , however I was n't able to complete the payoff of the account because the last payment was reversed  ( Complaint Number   XXXX  ). I have talked to  XXXX   XXXX   XXXX  on a couple of occasions and they are claiming that my payments for the month of  XXXX  is credited only against the balance and not the schedule payment. Also it look like they are trying to backdate my payments to applied to  XXXX  ( see attachments ) and report my account as 30 days late. I believe this is acting in bad faith in an attempt to force me to make additional payments for  XXXX .   XXXX    XXXX   XXXX  is also overdrawing the payment amount in  XXXX  based on their belief that I am past due.
Since XXXX, all three major agencies reported inaccurate information. 

My credit was issued to XXXX XXXX XXXX XXXX, for a XXXX XXXX dollar house which was only sold for XXXX XXXX dollars and was never cleared. 

After 10 years of trying to correct their inaccurate accounts, especially XXXX XXXX XXXX reporting, which now is a ten year old account that state XXXX XXXX was a co signer, on a XXXX XXXX loan, another false fact and still appears after 9 years, only 7 years is kept, unless the law has changed. 

A private investigator told me they refused to issue me a new s.security number, and failed to correct their info. 

I began paying cash only, closed my three credit cards w/ only XXXX dollar credit limits, in XXXX, because they refused to clear the false records, I have had to pay maximum loan interest since XXXX. 

Check my records since XXXX, I built perfect credit for myself, XXXX and XXXX XXXX appeared w/ 20 plus credit cards and a XXXX XXXX house purchase, please check to see if their XXXX XXXX home in XXXX  la, was reported by XXXX XXXX XXXX , and who has continually put their names on my health and car insurance policies also. Their misinformation only caused a legal battle which may ensue if this matter is not cleared and correct within 90 days. 

Possibly a CLASS ACTION LAWSUIT IS NEEDED TO CORRECT THESE ILLEGALLY PRACTICES. 

Recent problem, I applied for a XXXX XXXX auto loan, with XXXX XXXX, just to check up on these agencies, and their illegal practices with my reports. 

They denied my loan based on Equifax reporting NO CREDIT SCORE, Their bureau electronically refuses to give me a credit score, and a inside score, Also refuses to mail me the report as stated by the laws on the credit denial sheet. After 10 years of requesting personally. 

The bank told me twice I was denied because Equifax refused to issue a score, but by company policy they can not write that on a piece of paper. 

ILLEGAL banking and credit bureau laws. 

They sent me a fake denial letter STATING, '' revolving loan '', " Credit bureau information not the reason for refusal '' This is cover up by federal agencies breaking laws and falsely reporting information. 

After 25 years, Three Credit Bureaus have been allowed to ruin my credit ability to survive and Under the 14th Amendment the RIGHT to pursue ... 

Please send me my inside score, credit score and report, with correct information. 
All without having to pay a cent to a bureau who has illegally kept my credit captive for a quarter of a century, documentation proves this has occurred, was never cleared as of XXXX, and accounts still falsely appear beyond the seven year limitation, and no report has been granted, I recently received one from experian, that is how I know XXXX XXXX and other false records still appear. 

Who is responsible for falsely reporting XXXX XXXX AND XXXX XXXX credit information on my SSecurity number after XXXX???
i am having an issue with the overdraft fees my bank is charging me. On XXXX I checked my mobile banking app to see how much money I had after a weekend of shopping. I spoke to a customer service rep and was informed that all the fees i incurred were correct to the sum of XXXX. This balance has increased to XXXX dollars in the matter of a week. A XXXX $ that comes out automatically should have been rejected if the funds were not available was processed just to turn around and give me a XXXX $ fee for the transaction. I find these practices to be criminal and predatory.
I have notice over and over again my accoutn being minus and find myself paying well over {$200.00} of over draft fees. And thing that I pay via debit should automatically show as being cleared the smae day. Bank of America shows everything as processing even the things I have debited. They could not answer my question when I asked. Long story short they had to refund me {$320.00} because they were wrong. This has been going on for a while and I am sick and tired of wasting my time EVERYTIME this happens. For all I know they may owe me alot more money. Can someone please investigate this.
I found a charge on my debit card for {$150.00} It said XXXX XXXX ( deleted ) XXXX I called the Bank and submitted a fraud report. 
I found out the money was received by a XXXX XXXX XXXX 65 miles east in XXXX Ca. The bank suggested I call them, the bank gave me their number, they were closed. 
They have no branch in XXXX XXXX. They have a bad reputation in their industry. 
Citi bank credited my account then sent me a letter saying I was responsible as the card and PIN were present at transaction! They took my {$150.00} out of my account which caused me to be overdrawn, I took care of that depositing more money. I went to my branch and asked for help. We ( a very nice teller and assistant branch manager at the end ) spent close to two hours with their fraud department, rude and not caring. Supervisor wouldnt budge, I have no business with any home health care at all. I was in XXXX XXXX and XXXX all day including an oil change at ( name available ) I asked if the had contacted The recipients of my money in XXXX? 
She ( the supervisor ) said no to which I asked what was your investigation comprised of? She would not allow us to talk to back office where decision was made, they dont take calls. 

I was shocked, it is very plain to see this was NOT in my Spending Pattern they didnt bother to do anything to investigate, these people could be an organized fraud ring, Im not in the capacity to do an investigation myself, it could be dangerous. 
Some how, my Card was compromised and they got my PIN. The tire place did have my card out of my sight. Thats the only theory I have. 
They ( fraud department ) would not listen to my very sound reasoning. The branch was great but unable to help, assistant branch manager said wait a few days to get your money redeposited. I have heard Nothing from them since. The first investigation I was getting frequent messages ( emails ) with updates. 
Now nothing. It is obviously a fraud ring of some sort and they do not care. Other people are being victimized Im sure. Citi bank fraud department does not care. Small potatoes to them but stiff the customer fraud victim ( me ) with the obvious theft. 

The Fraud department is lazy and ineffective. 
Citi Bank should be ashamed. 

Please let me know any other info that is needed.
My loan was through XXXX XXXX of XXXX, I graduated XX/XX/XXXX, XXXX put it into collections XX/XX/XXXX with out notice to revenue services. I contact revenue services made payment arguments, then they closed my account. I was recently contacted by one advantage that stated I had one day to come up with half of the payment and refused to accept anything less, and stated if I do n't they will put my account into collection the fallowing day. Am I still accountable for this account and if so what are my rights? I did pay a one time payment online of XXXX .
Me and the young lady where dating and we had a joint bank account and she went and got XXXX loans in my name the other XXXX have been resolved it is just this XXXX company by the name of lending club that just do n't want to see this as fraud I have all the bank statements of how that money was received and spent she used my information to get the loan into the joint saving account then transferred it into her personal account of then she made up me a email and used her phone # on the application for contact
My loan was transferred to Navient from XXXX. I contacted Navient to set up a payment plan or deferment. I was told to use the website to handle this. I submitted my paperwork and was told that I was denied because I submitted the wrong paperwork. I then resubmitted the correct paperwork and was given a forbearance. My complaint is that they have 90 & 120 days late on my credit report six times because I have XXXX loans. The time they are reporting late, I requested it go back because I was miss informed. In addition, the months reported are XX/XX/XXXX and XX/XX/2016, but XX/XX/XXXX and XX/XX/XXXX report OK. This is severely affecting my credit score in a negative way.
Trans Union I 'm a victim of a transition glitch. 

Inquiries not authorized XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
I been dealing with this same issue for months now, and the information I'm requesting is still not being delivered to me as of my rights as a consumer as transcribe within the FCRA laws. Improper information on my report is hindering me from acquiring credit. My identity has been compromised but yet I still feel victimized by the 3 major credit bureaus inwhom investigation does not include blocking these accounts from reporting on my credit report. The accounts I'm disputing are. ( 1 ) XXXX XXXX XXXX {$390.00}, and ( 2 ) XXXX XXXX XXXX {$130.00}. I need every single detail of the Method Of Verification used in your investigation into this matter. Names, titles, times, and physical documentation. This is my consumer rights as stated with the FCRA and backed up by the FTC. And if this is not met then the accounts shall be block immediately.
XXXX XXXX, XXXX and her law firm, Cox and Bleier are attempting to sue for " legal fees '' they claim where accrued while trying to collect on a debt for plaintiff, XXXX XXXX ( XXXX ). Originally, the debt went to collections in XXXX and was bought/transferred by several different agencies and attorneys over the years. Bleier purchased/acquired the debt recently from XXXX XXXX XXXX XXXX, and is now suing for legal fees, they say were ratcheted up while representing XXXX. XXXX did NOT hire XXXX XXXX, according to the conversation I had with an XXXX representation, soem time ago. Neither firm is the original collector. Bleier recently subpoenaed my bank statements on XXXX/XXXX/XXXX in an effort to move forward on the phony suit. Her office is using predatory practices to obtain money from those who fell behind on their bills and found themselves in debt, years ago, when the economy fell. The debt is over 7 years old and the statute of limitations have passed for this debt. They have no right to collect on any fees and did not represent XXXX in any fashion.
Received notice today XXXX/XXXX/2016 that my citicard account ending in XXXX was closed. This was done due to non use of the account but does adversely impact my credit standing since this account had {$30000.00} available. I believe that this adverse action requires prior notice and there was none. Representative I spoke with said this was citi bank 's policy and contacting the cfpb was fine.
I was approved to begin tracking payments for Public Service Loan ForgivenesXXXX with XXXX. XXXX incorrectly calculated my qualifying payments and dates of employment. I would like this resolved so I can begin tracking my progress toward loan forgiveness.
This is a lease that was terminated 7 years ago but they keep re inserting a new debt to keep it current
I called Navient to discuss private loan repayment plan of a monthly affordable amount to continuously pay and my assigned case manager was rude and refused to work with me. I explained what I could consistently pay monthly and she told me there was no payment plan with that option. I told her that's why I didn't want to call because I knew they would not work with me. I finally told her to do what ever and I hung up the telephone in disguise.
Have tried to retrieve report on line - reports requested- with information - went directly to : we can not process your request, please call or request by mail '' when I call I can not get anyone on phone to help just given address and request for mail in form and payment check to process - wanting copies of SS card and other info - I have no way of securing info once it is mailed-all agencies are doing same thing -
I have been paying on my federal student loans that are serviced through Navient. I have been set up on automatic payments for at least the last 2 years. In XX/XX/2018 I enrolled in a 4 credit course through XXXX County XXXX XXXX as part of an employer requirement for a job promotion. During that time I pay for the course out of pocket and assumed I was paying my student loans as I always have. Months later I realized that my payments were not being withdrawn and was only notified when I received an email stating that my loans were in forebearance, of which I never agreed to. I am not schedule to begin making payments again and realized that I have accrued additional interest due to the loans being in forbearance that I had never authorized in the first place. I find the tactics used by the company to be misleading and unlawful.
XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.
Ocwen purchased our mortgage in XXXX XXXX. We made our payments through XXXX XXXX, but our XXXX statement raised the payment from $ XXXX to $ XXXX, supposedly based on escrow. We contacted the company and were told the only way to fix the escrow was to apply for a loan modification, which we did. From there, things went from bad to worse. After months of submitting paperwork and proving our ability to pay and proving the actual escrow owed and legally due, Ocwen denied the modification, declared us in default and served us with a foreclosure notice in XXXX XXXX. We filed a Chapter XXXX bankruptcy to stop the foreclosure. As our home was also our business ( a traditional bed and breakfast ), these actions affected not only our financial status ( legal fees, etc. ) but also our ability to continue to operate our business. We wound up selling the home in XXXX XXXX. Our original loan amount of {$470000.00} was repaid {$650000.00} by the time Ocwen added fees, penalties and other charges to the final amount. We attempted, through our lawyer, to get a lowered payoff and to dismiss some of the fees and charges, but Ocwen 's lawyer refused to cooperate. We have suffered tens of thousands of dollars in damages, all because Ocwen and its representatives lied to us, manipulated us and cheated us on a mortgage for which we had never missed a payment since XXXX XXXX. The XXXX lawyers we consulted all told us our only option was to file a Chapter XXXX, and it appears that may have been a mistake. But we contacted the Nebraska XXXX, the Nebraska XXXX, the XXXX XXXX and even the XXXX to try to find assistance in resolving this without selling our business and our home. The original escrow discrepancy was never resolved, even with a court order for Ocwen to produce the paperwork proving its why the escrow jumped more than {$2000.00} per month. Such paperwork, to our knowledge, was never submitted to the court. We have a detailed chronology of our interactions with Ocwen, along with mountains of paperwork requested and submitted. When Ocwen purchased our {$470000.00} mortgage, our home appraised at {$820000.00}, and this was clearly nothing more than a bold-faced attempt to steal our house.
I am attaching the letter my wife and I sent to the credit bureaus back in XX/XX/XXXX. More four months have passed, and we have not heard anything back from them.
Ocwen Loan Servicing is the second worst company in the world, second only to Litton Loan which there are undoubtedly the sister company. At any rate, they are denying a payoff statement of my loan after their bylaws clearly state they have 48 hours to comply and all of the paperwork was submitted for processing on XX/XX/XXXX and after several calls to their representatives today -- they repeatedly apologize and say they require 6 more business days. This is NOT PROFESSIONAL behavior and is UNACCEPTABLE!!! Please monitor and properly handle stopping this behavior from this company.
We are attempting to submit a short sale with NationStar. We are given 90 days by the courts to proceeds with this short sale since NationStar wrongfully Foreclosed on the seller while she was in bankruptcy. We have submitted a XXXX party authorization to nation star and the Asset Manager XXXX XXXX, XXXX, has continually rejected our 3rd party authorization that was submitted with cause. The seller has been trying to do a short sale with NationStar for over 2 years and thy have done everything in their powers to circumvent this from happening. We need your assistance in this matter.
On XXXX/XXXX/XXXX, I attempted to use XXXX to track my spending/purchases through their monitoring service. BarclayCardUS blocked access ( even though I provided all the required log-in info ). XXXX indicated BarclayCard blocks third party access for all users. This is unreasonable. I value security, but I should be allowed to share my info with anyone of my choosing, and this policy forbids that.
I am not familiar with the reference number involving the bankruptcy being reported. No other credit agency is reporting this account but Experian. This reference number does not apply and the court has confirmed this as well.
I have requested verification and validation of debt per my right under the FDCPA and this company refuses to provide this information to me. I also disputed this debt yet JH Portfolio debt Equities still reports this on my credit and has not marked as dispute which is a direct violation of the FDCPA. The last four of my ssn are XXXX and my date of birth is XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I have contacted an attorney and I am aware I can seek actual and statutory damages against your company. Your also a debt buyer and i am under no legal contract to pay you. Can you also provide a bill of sale?
Harley Davidson Finance AKA XXXX XXXX is not computing their so-called simple interest contracts using the same formulas which change month to month in order to charge more interest to consumers. 
Additionally, XXXX is holding payments from consumers and posting them later in order to collect a larger per diem interest rate which makes them more profits and lengthens contract terms to their benefit. It also costs consumers more over the life of the loan in interest. 

My billing on XXXX/XXXX/15 based on my interest rate of 12.99 which is basically legal loansharking which SHOULD account for a reduced daily per diem because of a reduced principal balance per the statement states:XX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal : $ XXXXXX/XX/2015Payment $ XXXXInterest $ XXXXPrincipal $ XXXXXXXX claims although the daily per diem interest costs should decrease my interest costs have increased which is the opposite of how so-called simple interest loans operate. 

Basically, XXXX contracts need an audit from your agency because this affects XXXX loans & consumers.
I have lodged disputes with XXXX XXXX and XXXX XXXX with the belief they have reported negative items to my credit report which are not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
I did not authorize any of these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for all your help.
We have a conventional home mortgage loan with PennyMac. The home value is {$340000.00}. Our initial loan was for {$310000.00}. We then paid an additional {$40000.00} in principal in XX/XX/2018. This should automatically qualify to eliminate PMI. Our balance is now {$260000.00}. 

We have contacted PennyMac several times on this and each time they claim that they will send us paperwork to complete and return. This has never happened. Every time we call they state that they have no record of our request and that they will start the process all over again. This has happened three times now as of XX/XX/18. 

I have attached my loan statement information and loan activity statement to show additional principal payment.
Applied for capital one credit card and got accepted. XXXX XXXX saids i did not get accepted and lowered my score when that is not correct. XXXX XXXX saids to contact this site. It gave me a inquiry.
During years XX/XX/XXXX through XX/XX/XXXX my husband and I tried to obtain a loan modification through XXXX XXXX XXXX. Our loan was transferred to Green Tree, we were approved for the modification, and faithfully made our payments, but Green Tree dropped the ball by not communicating this info to XXXX XXXX XXXX. Thus XXXX XXXX XXXX filed a foreclosure XX/XX/XXXX, due to non- payment. But the real problem is there was never any communication between Green Tree and XXXX XXXX XXXX. 

After our case went to court the judge stated it was not XXXX XXXX XXXX 's responsibility to know that we were making payments, and that it was our responsibility to relay this info to the bank. However, my husband and I was of the understanding that we were now doing business with Green Tree Servicer, who during their collection of our funds kept transferring our case to a different customer service rep who could never find any records of our payments or phone communications. 

As a veteran this writer should not have to be subjected to this type of treatment after serving her country. I have been devastated by this action, and is hopeful my husband and I can be compensated for the mortgage payments we poured into our home. Since XX/XX/XXXX we have been renting, and our credit is destroyed. Is there anything we can do at this point to recoup some of our losses '? Green Tree Servicer continues to harass us by sending monthly collection letters, even after the property has gone into foreclosure. 

Thank you, XXXX