WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I have tried several times to get to speak with XXXX as well as the credit companies ( XXXX, transunion and XXXX ) about the multiple inaccuracies on my credit. My student loan report " good, good, good '' for months in a row and then the following month will jump to 120 days past due. After that XXXX past due it will go back to good standing or they will not report for a few months. I do not understand this, however this is a reason I can not get approved for a home loan. Can anyone help with this?
On XXXX/XXXX/16 I paid my mortgage payment to BSI Financial Services through their web portal. on XXXX/XXXX/16 I called BSI ( spoke to XXXX ) because I noticed the payment was never debited from my checking account. They told me the payment was returned for insufficient funds because my checking account was closed. I informed them that my account was not closed, but agreed to call my bank. My bank confirmed that my account was still open, in good standing and BSI Financial had not attempted to debit my account. I then called BSI again and after being disconnected twice was finally able to speak to an agent named XXXX. I explained to him that BSI had never attempted to debit my account and he said it could have been an error on BSI 's part. He agree to process my mortgage payment over the phone and waive the usual {$20.00} fee. I asked if he would also waive the late fee since the error was not mine and I did attempt to make the mortgage payment on XXXX/XXXX/16. He instructed me to call back and request that the late fee be waived after my payment was processed and debited from my checking account. On XXXX XXXX, 2016 I received a letter in the mail from BSI Financial informing me that I owed a {$25.00} Non Sufficient Fund fee. Today, XXXX XXXX, 2016 I called BSI ( spoke to XXXX ) to ask them to waive the late payment fee and the {$25.00} NSF fee and was told by agent XXXX that she was not authorized to speak to me because of an active bankruptcy. I AM NOT IN AN ACTIVE BANKRUPTCY. She informed me that I would have to fax a letter of authorization giving BSI Financial permission to speak to me, which I did today. Also, please note that I have spoken to BSI Financial agents on seven other occasions since XXXX XXXX, 2016 and have never been asked to provide an authorization.
XXXX XXXX has continually failed to report the correct information to the credit reporting agencies. They acquired my loan last XX/XX/2018. I have dutifully ( despite their errors ) paid all payments on time and in excess. They have failed to report a correct balance, the monthly payments and are now claiming on the attached Equifax report that the loan has been sold. I have not been notified of this as per RESPA. 
They also claim it was opened in XX/XX/2018, also a lie. 

So to be clear the following items are falsely reported to the credit agencies : Date Loan was opened with them. 
Current Balance Date of last payments Date of last activity Monthly payment amount Loan transfer/sale
After pulling credit with a mortgage lender to buy a home we viewed a collection account from  XXXX   XXXX  for {$970.00 } (  Reported by  XXXX  ). This account was a charged off by  SYNCB/Sams Club.    ( Reported by   XXXX   )  meaning it was a tax write off for SYNCB. I am disputing this account with  XXXX  to have  XXXX   XXXX  remove this trade line. SYNCB is " double dipping '' by getting a {$970.00} tax write off then selling the debt to  XXXX   XXXX  for a profit. I would like  XXXX   XXXX  to remove this trade line. Consumers are being over charged for debt they do not owe. An investigation of these accounts regarding amounts owed need to be analyzed.
I 've had Wells Fargo as my bank for a few years now. And every time I go into the bank they try to get me to open another account. I had a normal checking and savings account. However, about two years ago they had me open a second checking and savings account because they told me it was safer to have to different checking accounts. However, then I got charged fees for the other checking account because I did n't have enough money in it or because I did n't use my debit card enough. Even though they told me the separate checking account was for my direct deposit only. Let me clarify, they told me it was safer to have a checking account for direct deposit and then a separate checking account for my debit card. But then I was charged a fee for not using a debit card with the direct deposit account. I hate going into the bank, because when I walk in I 'm immediately attacked by all the tellers, yelling and calling me over to their window. Half the time I went through the drive thru window they told me they had to have me come inside and speak to a banker and I ended up with another checking account, another savings account, and a credit card. In the past few months I 've been taking money management classes. I maybe make {$1600.00} a month. Why do I need that split up into XXXX accounts? Why are they convincing me I need all these accounts when I barely have enough money in XXXX account? And then when I do n't have enough money I get charged a fee, even if I have money in the other XXXX accounts. How does that make sense?
This collection agency calls almost daily and I have told them they have the wrong number and we don't know the person they are calling for, but they keep calling back and hanging up when the machine answers or just before it does.
They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my report.
Convergent Outsourcing,  XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX  (  XXXX  )  XXXX , is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money. At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX   ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports. Convergent Outsourcing is in violation of the following : Fair Credit Reporting Act Fair Debt Collection Practices Act Defamation of Character.   I have made several attempts to resolve this issue but the company indicates that they do not have the account in their records but it continues to appear on all  XXXX  of my credit reports.   Account #  XXXX
XX/XX/XXXX. email to company XXXX XXXX XXXX XXXX XXXX Hi , I called to get my account canceled in XX/XX/XXXX. I was under the impression your company was working for the government helping me pay off my student loans. I was scammed. Now I'm upset because it hit my credit score. However, I had no idea I was taking a loan out from your company. I need this off my credit and I need to speak to someone in higher management to reconcile this out. 
Please let me know what actions needs to be done to get this cleared up. 

Thanks. 

XXXX Texted me XX/XX/XXXX Telling me I have 72 hours to respond or they are going to a third party for collections. 

Emailed me yesterday XX/XX/XXXX You have Defaulted on your Student Loan Care/XXXX XXXX payment agreement. You have 72 hours to respond to this correspondence. We have attempted to reach you and receive approval for the XXXX XXXX loan forgiveness program offered in XX/XX/XXXX for past due XXXX clients that have a hardship, but since no response or attempt to postpone your payment has been given, your original contractual agreement will become effective immediately, and all past due, fees, payments, and interest will be solely your responsibility. XXXX XXXX and Student Loan Care reserve the right per agreement to utilize 3rd party collections which are included but not limited to legal, credit, and stage 4 collections. 

XXXX XXXX XXXX Student Loan Care LLC. 
Consumer Services Advocate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX P XXXX F XXXX E XXXX XXXX
They are repeatedly robocalling me sometimes more than XXXX time in an XXXX at my work. For instance yesterday, They robo called saying they were a collection agency at XXXX ; XXXX then at XXXX. I have asked for a Validation of Debt which they did not provide and also a Cease of Communication notice.
Family members and friends received call from  XXXX  indicating that they are looking for me to serve a subpoena for a debt.
I have received two credit inquiries on my XXXX, XXXX, and XXXX credit reports from XXXX XXXX and XXXX XXXX Outlet. Both came from XXXX XXXX card services on behalf of Sterlings Jewelers. I have not applied for a credit card at either XXXX XXXX or XXXX XXXX XXXX.
Discover Card has been charging me a fee labelled as " Discover Payment Protection Fee '' that I Never Authorized. I can only review the past two years of statements online, but I suspect it goes back much further because I have never been able to get the balance down. 
In XX/XX/XXXX the Fee was at {$34.00}. It has gradually increased. As of XX/XX/XXXX it  was in the amount of {$89.00}. The full amount charged between these two dates comes to {$1300.00}. I do not know how much was accrued before then. 
I have brought this to their attention. They sent complicated instructions on how to change my account settings, but I was unable to do so. But, even if I was able to removed the future charges, it still did not offer a solution for all the money lost.
Hi, On   XXXX   XXXX ,  XXXX  I made a pay ment to Navient for my student loan account for {$500.0 0}. That {$500.00} amount was taken out of my checking account, but only {$400.00} was recognized as a payment by  Navient. I  do n't know what happened to the {$100.00} difference, but I suspect this is not the first time since  XXXX  when I consolidated my loans with Navient. I can provide evidence of how this payment was charged on my  XXXX   XXXX  account and on t he Navient si de as well.     Please help!
As seen in the attachment, this account should have been deleted however it still shows on Experian when it was removed from  XXXX  and  XXXX .
I called and advised them it was not a valid debt & that I was suing the creditor. I asked for validation of the amount because it was inaccurate. Within a week, without validating the debt the collection agency reported it to credit bureaus.
XXXX XXXX see attached spreadsheet. Numerous vioations icluding but not limited to illegal fireclusure Federal offense by foreclosing while in a class action lawsuit Isurance fraud Inclusion of earthquake. Insurance unauthorized Gross enrichment Insurance fraud ... .. The list goes on and on.
On XX/XX/XXXX make a payment via telephone to the airline XXXX XXXX, a total of {$260.00} dollars for an air ticket. After the confirmation will come near the airline ticketing, revice my account in Wells Fargo and indeed to check my balance had been reduced by the same amount and stay compliant. 
In this day by checking my bank account I am surprised to see that my balance had risen again and no longer appeared the debit item of the airline. 
Communicate with customer service bank and they tell me that the airline had sent a request for payment, but which had not yet done the same, ie the airline still had not collected this value My concern and complaint is as follows : If payment was not made yet, because reason Wellsfargo debit my account in the day yesterday, today return those funds if nothing had happened???? That even aparace one iten of return????? 
I do not agree or consider legal right or a bank debit our account and use who knows for purposes of our own money when the end has not been collected by the trader who intend to pay. 
In this case, the iten should appear as pending, but never get the value of our own, because in this case I feel that the bank used my money without my consent. 
Worse, the answer customer service bank Wells Fargo has been pesima because they only know how to tell me about my responsibility to know that the customer may return at any time to collect your payment, but do not recognize at any time shared responsibility in these cases it takes the bank, which has deducted and withheld money, without it being paid really
I co-signed on a student loan with Navient with my sister as primary, for the benefit of my niece. In XXXX 2017, I was notified that the account was past due ( my niece had recently graduated ). My niece and I contacted Navient and spent over 1 hour and 20 minutes speaking with a gentleman who made payment arrangements ( account was brought current ), also including auto-pays for a year ahead, and assured me the situation would not be reported to the credit bureau, but it was. It resulted in my excellent credit rating plummeting. I contacted Navient several times thereafter by phone, mail and fax, and they refused to remove the late on my credit report. They did remove a second late they had also erroneously posted. Navient 's website makes it very difficult to find notifications that they have sent you, and almost gives you the impression they do n't want you to find the notices they have sent. Since the account was barely past due and I had not seen the notice, in addition to the fact that I brought the account current immediately, and the assurances I received it would not be posted to my credit, I feel strongly this late should be removed from my credit report. During my odyssey of phone calls to Navient, at one time I was even told this loan no longer existed and was paid off! Thanks in advance for any assistance you can provide.
I fell behind on my XXXX account with Comenity Bank at the end of 2017. I called to setup arrangements to bring the account current. They were taking payments every two weeks out of my checking account, still charging me monthly late fees and reporting my account as missing payments. I even made additional payments on top of the ones that they had scheduled, only to see no positive results in lowering the balance, for it was all eaten up by continuing late fees and increased interest rates. So basically I was paying them to charge me fees for the next three months, while adversely effecting my credit score. I was fighting a losing battle, while losing lots of money in the process. This never brought my bill down, or current. It was just their way of penalizing me for falling behind on my payments for a period of time, before allowing me to pick up where I left off ( which is what I initially asked them to allow me to do. So, I went from owing approximately {$800.00} to nearly {$2100.00} to date. They currently have my minimum payment due at {$530.00}. I send them {$50.00} a month which basically cover the monthly {$35.00} late fee and very little of the interest charged on this account. The balance gets higher every month & they are constantly reporting my XXXX account negatively and as unpaid each month. Theyve also gone in and closed other store accounts that I had through Comenity Bank, that were in good standing and paid as agreed, thus causing my credit scores to lower even more. I need to get out of this bottomless pit situation. At this rate, I will never pay them down and I will continue to see my credit scores drop. I need an arrangement that will result in closing out this debt.
My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . The  loan was through  XXXX   XXXX . In   XX/XX/XXXX  our d aughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the maj or Credit re porting agencies resulting in our  credit score f alling from the  XXXX    XXXX   to the  XXXX   XXXX . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departm  ent (    XXXX   XXXX   XXXX   )  and were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Va  XXXX
In early XX/XX/XXXX, I added a bankamerica deal to my account that was spend {$15.00} or more two times on you card and receive {$75.00} cash back at XXXX XXXX XXXX. On XX/XX/XXXX, I spent {$21.00} on order XXXX and also {$21.00} on order XXXX. I waited the 90 days it stated it could take to receive the cash back. After 90 days I called BoA and they said I should receive the funds very soon. It has now been almost 180 days and I have not received the cash back.
I filed bankruptcy in 2012. The house was not included in the bankruptcy. I tried to explain to Bank of America that I paid all of my payments and the house was not included in the bankruptcy. Every time I tried to resolve this, they called me a bankrupt person and they took my house and wrote it off as a loss and put it on my credit report. I paid all of my payments and had never been late on a payment. I am enclosing all of my documents that show this.
i noticed on my credit report XXXX XXXX XXXX account number XXXX was incomplete and inaccurate. i disputhed this account and it remains on my report. i now have proof that the fair and thorough independent investigation was never carried out by all parties involved that being XXXX XXXX and Experian. first off XXXX  doesnt even have an account number listed for this account which is incomplete and the contact info is different on each report. and the open date is incomplete.The date of first delinquency is also wrong XXXX  has it listed as XX/XX/2016 when it clearly shows that date to be paid on time. How was this information passed up/ looked over? proof that they did not investigate. i am requesting proof of investigation and this account must be deleted for being in violation of the FCRA. Proof is attached in Documents.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXX-XX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XXXX XXXX XXXX   Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION.

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 ) THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 ) KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF XXXX XXXX INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
On XX/XX/XXXX I logged into my XXXX XXXX XXXX, entered my new bank account information, and made my monthly payment that was due on the XXXX. When I received my monthly statement on the XXXX I noticed that no payment was processed. I called XXXX and was told they had no record of the transaction. I questioned how the the new banking info needed to make the payment could have changed if the payment wasn't requested, they couldn't answer the question. When i got off the phone i made a replacement payment but have yet to resolve the issue. In addition to reporting me late to the credit agencies, XXXX has also supplied account information to the credit bureau 's that doesn't match-up with the account information showing online. I'm not sure if this was just a glitch or if my acct information might be combined with another persons, regardless this is effecting my ability to obtain credit and I'm asking for the CFPB 's help in correcting this error.
I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from XXXX and Experian is that the accounts were verified and are correct. This is untrue as I have letters from the State XXXX stating that the debts are satisfied and has been for over XXXX year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my credit.
Lowered my credit score from XXXX to XXXX for no reason. After corrections to my report, my score rose to XXXX and now without any new information it was lowered. I have paid my credit card and car, my report should be gradually getting better. It is a systematic way to slander one 's credit score.