WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXXXXXX XXXX had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired XXXX. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with XXXX and XXXX through email, but now when I email portfolio about this they only give me a number to call. I have made several attempts with portfolio to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.
I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them. This is causing me to fall behind on my home buying process which is why I have been trying to get this resolved ASAP.
On XX/XX/XXXX, XXXX USD was withdrawn from my checking account Bank of America, through an ATM machine in NJ, given that I live in MA. 
I contacted the bank immediately to file a fraud claim, and the temporary credit of XXXX USD was reversed to my account until the bank reaches a conclusion about my claim. 
However, on XX/XX/XXXX, the Bank of America informed me that this transaction according to their investigation was not a fraud and that it was authentic, and that they will charge the XXXX USD amount again on me on XX/XX/XXXX. 
their reasoning is that since the pin was used correctly, then it must 've been me who used the card. 
I argued that any person could 've stolen the information, and I 'm protected by law since I reported the incident within 48 hours. 
i asked them whether or not they involved the police, and they said you should involve them. 
finally, they told me they will look into the claim again, I just want to be protected, it is unbelievable that this is happening, I do not feel that my money is safe anymore in the checking account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX at XXXX as a result of our yearly audit and find that ultimately we paid {$91.00} in late fees for account statements that were never sent to us until the Bank wanted to collect {$99.00}. I reported this to the Bank at the above Number on XXXX/XXXX/XXXX. They claim they did send the bills and claim that they have the tracking numbers from the XXXX XXXX XXXX. I checked my account on line on XXXX/XXXX/XXXX and there are no statements in their system that they claim were sent to me. I asked them to send me the tracking numbers and they refused. I demanded a refund of the late fees due to improper billing. They refused. I demanded that my account be immediately closed. All in all I charged a total of {$14.00} and then had a credit of {$5.00} for a grand total of {$8.00} as of XXXX/XXXX/XXXX. 
I work for the Federal Government and we are never late paying bills. The blogs on line about XXXX XXXX XXXX are terrible. They are selling credit cards through XXXX XXXX XXXX XXXX and are getting away with Fraud through their own internal negligence. Many others are having similar problems with them.
I have student loans reporting from 2004 which are repeating twice and should be off my report.Totals are XXXX for one and I have many XXXX tried calling and have written letters no reply .This loan are over 10 years old still reporting repeatedly to account.Please help me remove them.XXXX XXXX XXXX and XXXX XXXX XXXX.My loans were transferred which they should be removed for that purpose XXXX check was deleted off and they reported it back with a new starting date account was never mine and disputed it
ive started disputes with Transunion since mid XXXX of 2016 the company has provided me with multiple case numbers, mixed information from agents to managers. ive had agent lie stating they are in the us handling department. I spoke with a supervisor in XXXX handling department by the name of anye XXXX she gave me a personal fax number to send directly to her so that she can review my information. I sent that from the sheriff department, but I called Transunion they have not received my police report where is my information going. I 've sent mail with identification they have n't received that information this has been since last month on XXXX/XXXX/2016 when I filed the police report. Transunion seems to be a fraud company to me they work for the creditors as I am trying to fix this matter of being a victim of identity theft they want to sell me products instead of helping me with whats going on. I have called in multiple times to dispute having to take the time out of my day to get a results on whats going on. It has been way more than 30 days no one can provide documentation stating these accounts are mines they never will because they are n't mine. a supervisor stated to me that they can go pass 30 days if they have to example she gave is that lets say a loan has been established and there where payments than they stopped that 's a red flag im like well I do n't care whats a red flag send me proof that I have done it. you can verify information as my name, dob, email, ssn, etcd but that person has all of that information even according to irs documents so I asked that I need proof documents signatures papers etc no one can provide that. The Fair credit reporting act states in section XXXX if a person has been a victim of identity theft the bureau has 4 days to investigate remove or block any negative or fraudulent accounts. Transumion has given me the most problems they do not notify me they extended the 30 days. they cnat provide information form creditors, they give misinformation, im always transferred. they basically in my eyes are stating they cant help me and wont. I always write down names, dates, and times. I call in stating what someone has told me in their department or company they told me im lying basically they do n't know who this person is. if I ask about information they say they do n't have but if I say I will call the federal traded XXXX or file a complaint im placed on hold and than magically they find the information. information should 've been deleted they are trying to keep it on my credit because they work with the creditor not me the victim. this company has my full police report but still have n't removed these items been pass four days, and pass more than 30 days. This company is rude and not professional just people in the office who wants a check not actually doping their job. I should n't have to go through this trouble this person/persons who has taken my identity and doing what they are doing could 've done worse but Transunion is giving these people and creditors the power to ruin my credit and my life. I am very sad and scared. who can really be trusted.
We had Greentree for our second mortgage and they would call constantly about payments even after explaining our situatio due to an adjustable rate first mortgage. This continued to the point it was in default and we late included them in out Chapter XXXX plan in XXXX. I have read there was a settlement with green tre on XXXX XXXX XXXX and hopefully we can qualify for something from this settlement.
I was told by XXXX XXXX that I could get a lower rate on my mortgage. While I was talking to loandepot to find out how much lower my rate could be, they put me on hold and did a had credit inquiry without my permission. I can not get it removed from my credit report now and it lowered my credit score for two years. Loan Depot does not respond to my calls or complaints.
My federal student loans were transferred from Mohela to XXXX XXXX in late XX/XX/XXXX. They were previously serviced by XXXX. I have been in repayment since XX/XX/XXXX on an XXXX plan and have been employed in XXXX XXXX   since XX/XX/XXXX. 

According to XXXX XXXX, Mohela failed to provide any servicing history, including payment history for my loans, at the time of the servicing transfer, even though XXXX XXXX claims to have requested this information from Mohela. 

As a result of Mohela 's failure to provide basic information about my loans, XXXX XXXX states that it can not access any information about my payment history prior to the servicing transfer in lateXX/XX/XXXX. XXXX XXXX is further unable to track my qualifying payments towards public service loan forgiveness prior to late XX/XX/XXXX.
Regional Management pulled my credit UNAUTHORIZED on XXXX XXXX, 2016. I have contacted the companies home office at XXXX, and they do n't seem concerned at all that they pulled my credit without my approval for a " prescreen '' for their live check program, and my score dropped XXXX points because of their inquiry. I am in finance and know the laws. They need to be investigated FULLY. Regional Management Corp needs to take their inquiry off my report immediately. They can be reached at Regional Management Corp, XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX ext XXXX.
XXXX client XXXX XXXX is a victim of identity theft. She was notified by Capital One of a fraudulent Capital One account established using her information without her consent on or around XX/XX/XXXX. An official dispute of this account was sent to Capital One XX/XX/XXXX ; Capital One then made contact with my client via letter XX/XX/XXXX asking for additional information along with an affidavit for my client to complete ; which my client did comply. As of this date Capital One has not provided any updates as to the status of the investigation which is a violation of FCRA.
about every 6 weeks WF skips taking a transaction from pending to posted, these are usually pretty big amounts, XXXX to XXXX, I pointed this out numerous times, and they always say it was because i was not adding something into the pending, i was forgetting a transaction. I always make sure i do not, the account takes pending transactions, and posted transactions out of the account balance and gives you, your available balance to spend, I take out any transactions that i have made and this is how much money i have to spend. There is a LOT of transactions, so i depend on the bank to be correct. The problem is every 6 weeks or so, they take a large pending transaction, from the same place, ( and i talked to them and they batch the CC every night ) they take it out of pending transactions, and put it into available balance. I just figured this out this last time, as there was no checks and i had XXXX available, so i made the transactions, then 4 days latter the XXXX shows up as posted in my account, so it goes from pending, to available to posted. and they do not think that this is odd or even an issue. I ca n't for the life of me figure out how it ca n't be an issue, when you put XXXX into my available spending cash, and then charge me XXXX in OD fees and then tell me its my fault ... .. I do not feel it is my job to do the banks accounting. sense when does a bank take pending CC transaction, and put it back into your account to spend, and then take up to a week to put it into the posted transactions? THEIR ANSWER WAS THAT I SHOULD MOVE TO ANOTHER BANK!!!!!
I contacted the EMBASSY LOANS INC to inform that the information that they are reporting to the credit bureau is incorrect and I was told that the information would be updated to show the correct information and it has yet to be corrected. I contacted Embassy on XX/XX/2018 and it is now 90 days since i have spoken to they. This has really affected my credit in a negative way and I am looking for a resolution to this problem.
I refinanced my home at the end of last year with Home Bridge Finical. I am not happy with the company and pray every day that they sell my mortgage to another servicer. I have never been late on my Mortgage still they somehow charged me a late fee which was damaging to my family to have to pay. They were not able to prove that I was late ( because I was not ). When I call into talk to a representative about this no one can help they state that I have to email them directly. Which also provides no support to my problem. CONSUMERS beware to never use this company!!!!
I was placed 2 payments in a month, and call the nelnet to check that why it took long time to process the payment the represantive told me that it may take 4-6 business days, and everything alright with the checking account. I even received an email saying that payment is successful, then a few days later I received another email saying that check the bank payment did not go through. I called the bank everything is good, they did not even try to make attempt for payment. I came with the idea that they do n't want you make 2 payment in month because they want all the interest they can get from the borrower. It is so unfair, I am working in XXXX jobs to pay back my school loan, and they are trying to rob me!
On XXXX I mailed CMRE a demand for validation for an account they had reported on my credit report. The company has failed to provide me validation of the account and perplexingly replied and asked that I was responsible for providing you with more information and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed.

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, XXXX XXXX has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011.

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.
Wells Fargo Home Mortgage has not sent me what I have requested for the last 3 months which is the closing documents sign in 2009 as I have requested time after time. Wells Fargo Home Mortgage keeps sending me refinance documents in which I have never requested and a bunch of papers of the same thing in the package. 

I want the closing documents in 2009. I have my documents that was giving to me with over 20 signatures lines left blank. Wells Fargo Home Mortgage has been advoiding sending only what I have requested. 

There are several issues with the documents as other documents that have yet to be authenticate signatures that are in question on Wells Fargo Home Mortgage.
I have sent several disputes to the collection agency and to the credit bureau regarding an account IC Systems is reporting on my credit reports. I have asked them to send a copy of a signed agreement and account history as proof that the account belongs to me. They have responded with a settlement letter and a payment invoice created by their company. They continue to report the debt without legal validation of the debt in violation of the Federal Debt Collections Practices Act and the Fair Credit Reporting Act which requires that all information reported be accurate, complete and verifiable.
In XX/XX/XXXX I received a notice that I had a new collection on my credit report. Not knowing anything about it I quickly looked up the company and reached directly out to them. They said it was an attempt to collect a debt for XXXX in the amount of {$280.00}. I told them I was unaware of any debt owed XXXX and that I closed my account with them in early XX/XX/XXXX paying any outstanding balances and that the account was closed paid in full. I also said that I didn't want a {$280.00} debt to create a collection on my account so that I was willing to pay it in full to remove it from my report. They said that it would be and so I paid the debt on XX/XX/XXXX, it reflected in their system on XX/XX/XXXX as being paid in full. I then waited until XX/XX/XXXX to check my report again, in which it showed the collection still on my report. I contacted RPM once again and inquired about the collection removal from my report at which time they said that the removal hadn't been processed and to give it until the end of the month to check my report. I waited until XX/XX/XXXX and the collection was still on my report so I called back. This time they told me point blank that the collection would not be removed so I asked to talk to a manager which then lead to be being put on hold for almost an hour and then hung up on or disconnected 3 times before I was finally able to talk to an account administrator. Up talking to them I asked them to verify when the initial notification of the collection was made, they said that the letter was mailed out on XX/XX/XXXX, the collection was listed on my credit reports on XX/XX/XXXX a full 3 weeks before any attempt at notification was made. I then asked where the letter was sent to and they could only provide me with the updated address I gave them XX/XX/XXXX during the phone call in which I paid the debt. When I explained to them that the letter never arrived and that they didn't have my current address on XX/XX/XXXX when they claimed to have sent out the letter they continued to say that it was not policy to remove any derogatory information once it is posted. I then proceeded to ask about the previous phone calls in which I was instructed by their agents that the information would be removed from my report, mainly the one from XX/XX/XXXX, they confirmed that they had talked to me on the prior dates but no information from those calls was available. Had any reasonable attempt been made by RPM or XXXX to collect this debt it would have been paid before being allowed to reflect as a collection on my credit report.
keep getting denied assess to the account by my husband, after filling out proper forms and send valid power of attorney. They will not follow their own rules.
This has been ongoing for months with Wells Fargo and am really tired of it. It is causing emotional and now physical stress and making me sick. They messed up payments for hazard insurance, I more than compensated with extra payments, made even more payments to cover anything in escrow and yet they still are keeping my mortgage payment over {$200.00} higher than agreed when I got the mortgage. they have refused to put the monthly payment back where it belongs with no valid justification. Why is it that the consumer is always faced with this type of mismanagement of our accounts and you all do nothing?
I keep getting calls from debt company 's even after I change my phone number they get it and call me
I got a registration loan with Cash 1 DBA AAA title loans. I am late, but having financial problems. I did explain that I moved to XXXX and commute to work, until my new job starts. They are calling my work, asking for my boss or me. when I told them not to from the start to not call my work. XXXX and XXXX claim they can but I work with the CFPB laws on my current job and know otherwise. They are also, leaving very detailed messages on my home/ cell phone, that even my roommates hear it, being we share the same phone. It is on my loan saying that I am late and they need my payment, with more detailed info etc. It is very detailed. I have continuously told them do not leave a message and now for the continuing harassment at my work, told them to stop calling me or my work. I even sent them a letter on it. I even have voicemails saved to prove it. My roommates just called me today and told me that they left another detailed message.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXXN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED Account Name XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX AND XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT
I bought into a camping resort package through XXXX XXXX At the time, the man told me all these wonderful ways to use it. It sounded great. I tried using it several times and it was not what they portrayed it to be. I called asking to cancel or sell the " time share ''. I could never get a hold of anyone to help me. Once they lured me in, that was the end. I am ok with paying something to get out of the contract, but this has gone on too long. I did nothing wrong. I tried to contact them and they did not respond. I feel it was false, the information and explanation they gave me. Every time I tried to use it, the process changed. I also could not get the " better '' process at other campgrounds. It was not a smooth process. I believe this should not hurt my credit score like it is. Thank you.
Wells Fargo Dealer Services refuses to release information regarding my vehicle loan. In order to refinance, I need them to fax or mail my original contract to the new lender. 
After two and a half weeks and six different conversations with several customer service representatives, each with different understandings of what information they may or may not release and how. Not even customer service supervisors, XXXX ( on duty Friday, XX/XX/2017 around XXXX EST ) or XXXX ( on duty Tuesday, XX/XX/2017 around XXXX EST ) would get the " Document Management '' Department to deliver my information. 

My business is effectively being held hostage by Wells Fargo while interest on the loan accrues.