WillisBack/dataset-financial-user-claim huggingface dataset:
I am an XXXX service member who recently applied for a home loan. When I received my credit report from my loan officer, I noticed there was a collection account listed from a company called NCEP , LLC. Reporting date was XXXX saying the original creditor was a company called XXXX with an account open date of XXXX have never done any business with a company called XXXX or NCEP , LLC so this debt needs to be verified ASAP. I sent XXXX letters, via XXXX to the address listed for NV. XXXX letter was return to sender, and the other, I was never contacted back. 30 days go by, I still have no information on this debt, however I realized that on my credit report the account number XXXX was the same listed for a XXXX XXXX XXXX account that was listed as charged off w/ a balance of XXXX XXXX acct XXXX is an account of mine, HOWEVER this account IS being paid on and should NOT be listed as charged off. I have been paying on this account through a XXXX party agency called XXXX XXXX. I contacted XXXX XXXX XXXX to get more information, they were not able to provide me with any information or any type of documentation of my debt/account, its status and what they 've done with my account/ and or payments. I was never contacted about a charge off/ and or a hand-off to another company. I made contact with NCEP , LLC who was very stern with me when I was just trying to get information and to come up with a solution. The clerk on the phone would not provide me with any information about the hand off from XXXX XXXX XXXX to shoppers to now NCEP. I told him that the information being reported was incorrect and that I am currently paying on the account through XXXX XXXX, and have documentation to prove such. He said that even with that documentation it would n't suffice in updating my balance, saying that they have had the account for some time now and it shows no activity. I got off the phone with this clerk because he was rude and overwhelming. I submitted this same statement throught XXXX and received a response of " Please be advised that NCEP , LLC ( " NCEP '' ) is the owner of the subject XXXX XXXX XXXX XXXX XXXX XXXX credit card ( account number ending in XXXX ). Since acquiring the account in XX/XX/XXXX NCEP has received XXXX ( XXXX ) {$68.00} payments for a total of {$470.00}, with the last payment being made on or about XX/XX/XXXX. Since that time, no payments have been received by NCEP. NCEP respects our military members and, as a courtesy to the consumer, will agree to permanently close the account and cease all collection efforts. " However I am not satisfied with this response because {$1500.00} is still un accounted for. what they are reporting is not accurate and I have proof of XXXX cleared payments of XXXX {$.00}
I have contacted the company and asked that the information be verified and have not received any communication from them.
I received negative scores on my credit due to communication errors by the lender ( University XXXX Pennsylvania ) and the servicer ( XXXX, a division of XXXX XXXX ). I made a payment to the servicer XXXX XXXX but they failed to credit this XXXX account and gave a negative credit report that severly hurt my credit score. The XXXX website managed by XXXX that I traditionally used to make payments was not working, and I was directed to make a payment over the phone. When I made the payment over the phone they failed to credit the right accounts, and I was reported to the credit agencies as 30 days past due. In addition, when this account was first brought into repayment, I never received correspondence from the lender nor the servicer regarding repayment, indebtedness, and schedule of repayment and my account went into delinquency and I was given negative reports on my score.
On XX/XX/XXXX at XXXX, I went to the Chase branch ATM machine and deposited {$7500.00} in cash to my savings account. The machine began counting it and totaled it to be {$5400.00}. I hit requested the ATM machine to return the cash, thinking that it will return the amount I deposited, but instead, it returned {$5400.00}. Out of the many thoughts that crossed through my mind, I deposited the money the ATM returned to me but in smaller quantities to avoid the same mistake. I was also hoping for the ATM to detect the missing money and waiting for it to return it back but that never happened. My biggest concern was that there is no physical record that I deposited {$7500.00} in the ATM machine so it would be my word against the receipt. I called and spoke with Chase customer service right away and XXXX filed a claim and said that an investigation was going to be done. He said if after ten days the issue was not resolved, a 2,000 temporary credit was going to be placed on my account. But for the meanwhile I was going to received live up-to-date notifications in my email, which I never received.

In fact, a few days later I received a letter from Chase about a claim to my checkings account and that no action was taken because XXXX claimed the wrong information, he filed a claim to my checkings account instead of my savings account. This factor doesnt help with the immediate action and investigation that had to be taken for a large amount of money.

On XX/XX/XXXX, I made a second claim via phone and written through the chase bank website. Via phone, the representative told me exactly what XXXX told me but this time, minutes later, I did receive the temporary credit and an email with a claim number. I also heard back from the written complaint stating that a claim has been open nd to continue with that claim.

On XX/XX/XXXX I received two letters from chase. The first letter stated their conclusion about my claim : They do not require any correction and are reversing the temporary credit of {$2100.00}. The second letter stated that I reported a transaction on XX/XX/XXXX and confirmed they were incorrect, and accredited my account {$200.00}. I never reported any transaction XX/XX/XXXX. This action is confusing and the claim that states is false because I never made a claim on XX/XX/XXXXon the amount of {$200.00}.

On XX/XX/XXXX, I went to the XXXX Chase branch and spoke to XXXX about the entire case. She spoke with a representative via phone. XXXX was told to send me to the precinct to request an authorization for bank video from the court. She said she was going to bring this to the managers attention and reopen the claim. She also said that I would be getting a call from Chase about this issue but I have yet to receive the call.

Each Chase representative will give me different versions in how to resolve this case. Chase has the authority to check their cameras in their ATM machines and conduct an investigation. Why would I have to go the precinct and ask the court to authorize Chase to check their own cameras? How does Chase go about researching and investigating in these cases?
This should be sent to XXXX, Experian, and XXXX I filed bankruptcy years ago and then changed my mind a few weeks later and decided not to go through with it. The bankruptcy still appeared on my credit report. I obtained a letter from my attorney stating that the bond is cancelled. The bankruptcy should be removed from my credit reports accordingly
This complaint specific to all three major bureaus- minor ones ALWAYS INACCURATE and unknown- this XXXX who I am working on disputes with before trying to resolve with the others. Example- + email- Sign In to Your Account Sorry, we're unable to process your request right now. Please try again later. 
Username forgot username Password forgot password Remember my username next time
I purchased my car at the end of my lease from Toyota Financial Services. I financed through my bank XXXX. The check for the amount of the car was sent to them and cashed closing the account, but there was an error on XXXX 's part sending the sales tax amount. Toyota Financial reported to the credit bureaus that I had not made my car payment which was not true. This dropped my credit score over 30 points.
On XX/XX/XXXX a rep from the insurance division of Wells Fargo contacted the flood division of XXXX to see if they had received the check that was sent to them in XXXX. XXXX ( Wells Fargo Rep, Ins. Division ) stated that the check has not cleared and wanted to know if the renewal had been issued. XXXX indicated that it had not since they had not received payment. XXXX then gave them an overnight mailing address so that Wells Fargo could mail them the check & so that XXXX would receive the check prior to XX/XX/XXXX which was the final date to receive payment before the policy could no longer be renewed. According to XXXX, billing notice was sent out on XX/XX/XXXX and then the lender updated some information through XXXX XXXX. My premium at the time of billing was {$750.00} for the year but the policy lapsed after 90 days. I had a grandfathered policy which I have had since XXXX, XXXX. Since the policy lapsed, my new premium is now going to be {$2300.00} a year. I DO NOT feel this is an error by me as I made the payments that covered the flood insurance. No one at Wells Fargo followed up on the uncashed check, no one issued a stop payment on the original check or reissued a new check. I would still have my original flood insurance premium had this issue been handled. When I originally got my flood insurance, the premium was five hundred and something. I technically would never catch up to my new premium as they continue to go up. I have no intention of ever selling my home so this error is going to cost someone thousands of dollars. I have no intention of paying more for more flood insurance because of someone elses error. You have always held us accountable for what we owe on our home so Im going to hold you accountable for this error on your behalf.
I contacted Equifax around XXXX XXXX because I had not received a response back from the alleged creditor. So I was disputing this inaccurate information pursuant U.S.C sec 1692g XXXX b ) : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

I called Equifax on XXXX/XXXX/2015 and spoke with XXXX. When I contacted the CRA they refused to remove the information and stated that I did not have the right to validate the debt because I was not the CRA which is not correct by law.
I have summit correct documents to experian showing accounts with XXXX had been taken care of and letters confirming this from XXXX. They refuse to correct this and keep reporting charge off and late. I have asked for a complete audit and details they have gathered in order to keep reporting false information. I have had no problems with XXXX or XXXX they have corrected all issued but experian refused to correct any incorrect information.
The Credit Report shows that I was unable to get a loan or to finance a vehicle because of PROPORTION OF BALANCE TO CREDIT LIMITS & SERIOUS DELINQUENCY reported by CHASE BANK Based on available evidence ( credit report and account statement ), Chase Bank violated my rights to use my Chase Credit card ending with XXXX by rising the existing credit limit of {XXXX} which I accepted per Chase staff 's business advice to {XXXX} WITHOUT my request and without my agreement. 

Upon visiting the bank IN PERSON and consulting Chase staff to reduce the credit limit to {XXXX} which I previously agreed to, I was told to pay first what I owe, that is, what is in my balance.
when i cancelled my XXXX services i returned all the equipment paid over {$200.00} to get out the contract. The person that helped me made it clear my account was at {$0.00} and closed. Months later i get a collection for {$86.00} that i do not owe. I told my friend the story and the exact thing happened to him with XXXX. 
This is not how you treat customers.
Client was XXXX he is a veteran, while XXXX payments were being automatically withdrawn by his mortgage company. He all of a sudden received a letter saying his loan was going to be foreclosed due to non-payment. He was still XXXX did n't have the resources or time to fight this issue so filed bankruptcy to save his home. He was paying additional to the loan, but still has a delinquent amount of over {$22000.00}. He has been trying to work with his mortgage company but then his loan was transferred, so he continued to try and work with the new mortgage company. They both keep sending him back and forth to get one to investigate and fix the issue, but neither are looking into it and do n't see a problem and nothing has been resolved.
Hi!     I have a complaint abo ut Navient,  a student loan collection comp any (  scam ). They call at all hours of the day and from multiple phone numbers. They say that I have a student loan from University  XXXX   XXXX  from  XXXX . That is impossible as I started University  XXXX   XXXX  in  XXXX . I am currently paying my   XXXX   student loans through  XXXX   XXXX . When i have spoken to them, they cant tell me ANYTHING, just that I owe {$11000.00} to them. They have reported this to my credit and now my credit is shot. This is unacceptable that a company can send fraudulent info to the credit bureau that I owe them money and when i call them, they can not even tell me anything about where it 's from! I said, " What school is this from? '' She paused and did not have an answer. I said the only school I went to was University  XXXX   XXXX  in  XXXX  and i 'm now graduated. She said, " Oh, then it has to be University  XXXX   XXXX . '' Please help me with this. They need to remove this from my credit. I am paying my TRUE student loans through  XXXX   XXXX .     Thank you in advance!
I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX. XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished Lexis Nexis inquires regarding all personal information.
My home is set for foreclosure auction on XX/XX/XXXX by Specialized Loan Servicing. I have a good job and make sufficient income to afford a fair and reasonable mortgage payment. My issue is that SLS has denied me access to available options and has refused to consider allowing me to fix this problem. I have owned my home for 15 years and live here with my XXXX year old son and XXXX   nephews, ages XXXX and XXXX. We don't want to be put out on the street when this is a problem that could be solved. I had a major hardship a few years ago when I was unexpectedly laid off and defaulted on my loan. I have tried to work with SLS to fix this problem but have been denied access to federal, state and internal programs that I should be considered for.

I worked for years doing XXXX XXXX for the XXXX  and XXXX  and had stable income. A few years ago I had some financial issues and applied for a loan modification and was put into a step modification program. I paid on this for several years as the rate and payment continued to increase. Problems began inXX/XX/XXXX when the XXXX I worked for had their budget cut and the funding for my division was ended and I was laid off. As a result, I defaulted on the modification payment. I contacted SLS as soon as this happened to try and begin negotiating some type of new modification or forbearance or repayment plan. I also started my own XXXX  business but it took a few months to get it off the ground. As soon as I was in a better position I tried to make a mortgage payment to SLS but they would not accept it unless I paid all past due payments at once. I continued trying to negotiate for a modification but eventually their agents told me since I had a modification in the past with a low interest rate that I was not eligible for another. I do not believe that is accurate information so I hired an Attorney to help me who advised me to file Chapter XXXX bankruptcy. I did this for nearly two years until my grandmother ( who raised me ) fell XXXX ill in XXXX and I had to go there to help care for her until she passed away in XX/XX/XXXX. I have tried returning to negotiate some type of modification or agreement with SLS but have been given the runaround and transferred from department to department with no assigned contact that was willing to work with me or help me. I was told the only option was to sign over my home.

I have spent the last few years building my XXXX business and I have sufficient income to afford a fair and reasonable mortgage payment. I just need the SLS agents to work with me and look at my current and correct financial information and give me access to all programs including modification, forbearance, recapitalization of delinquent amounts or even repayment plans. I can afford a fair payment, this whole problem could be fixed and SLS could get their money back if only they would work with me.
I was recently approved for a credit card with Pentagon Federal Credit Union. In order to take advantage of the 2 % the card offers members are required to either be in the military service or open a checking account. I was informed by one of their agents that since it has been less than 90 days since they reviewed my credit they would not need to obtain a new report in order to open the checking account. I applied on XX/XX/2017 and they pulled a credit bureau.
Chase bank is constant slow showing accurate account information and this has resulted in check fe es. Plus they have  an option to not allow debits if the money is not there and if the company represents itself as reoccurring they take it resulting in negative balance and will not block the transaction no matter what.
Macy 's New York accessed my credit report / file without my permission. During a recent deposition ( within last 6 months ) where I have challenged Macy 's for adding my name as a joint owner to my wife 's Macy 's closed credit account for collection purposes, I was provided with a screen shot of both my credit details and my wife 's credit details accessed by Macy 's on XXXX XXXX, 2003. I did gave Macy 's permission to access my credit details nor did I apply for a credit card with my wife. My wife visited the Macy 's Department store at the XXXX XXXX XXXX in XXXX, XXXX and requested an individual credit card. I was not with my wife at the time was working in XXXX at the time. Statements initially were only in my wife 's name but at a much later date, unknown to either of us, Macy 's added me to the account. This action has had a negative impact on my job search and I have sought legal action through the courts.
My spouse visited the local branch of Security Finance to make a payment on his installment loan and was asked by the representative if he was my spouse. He was then asked by the representative if he had spoken with me about my payment that was due. ( we have separate installment loans that are in each of our names individually ) The representative then disclosed to my spouse the payment being due and the balance on my account and proceeded to ask my spouse to make a payment on my account. My spouse did make the payment. This company had no right to disclose any information on my account to any other party.
My personal information was stolen according to a letter from the IRS, XXXX  AND XXXX. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
This derogatory mark on my report does not belong to me. I 've never heard of this business it must have been identity theft or some other error.
XXXX XXXX XXXX, Opened XXXX XXXX, 2016
a few months back I noticed a decrease in my credit score so I investigated.I hired XXXX to look and they told me there was a collection action placed against me in XX/XX/XXXX by a company called United Accounts Inc. XXXX. So XXXX XXXX filed challenges with the credit bureaus and one has removed the item two remain. I also contacted United Accounts and was told this was supposedly a debt from an old landlord from XXXX This debt was paid in full by my father. We actually traded my living room furniture to the manager and he cleaned the apartment and washed the carpets. 
United accounts told me they received this debt in XXXX I then asked why I did n't receive a letter informing me of this debt, allowing the 30 days to challenge/prove I did n't owe it. They then told me that they sent a letter to the address I vacated I told them I was a student and never used that address I only used my home address and it was on the lease and I stated that the creditor should have provided that, At the very least when the first letter if sent was returned to them. I was then told they were not required to and eventually I would be forced to contact them with a collection item on my credit reports. 
This is when I filed the first complaint with your agency. I called your office last week and spoke to a gentleman there asking what happened because I just heard from a collection company in XXXX called XXXX attempting too collect on this.They told me the company that sent it to them was United Accounts. He then told me they very briefly responded to the complaint on XX/XX/XXXX stating they will send a letter to me and then apparently that closed the complaint. I informed him of this action by them and he suggested I refile a complaint and state all of this. By the way I have to this day never received any contact from United Accounts. So to sum it up United accounts received a paid off year old " debt '' and chose not to confirm this debt with me and when I filed a complaint very briefly answered it and never followed through with there answer but instead chose to punish me for filing the complaint by forwarding the debt to another collection company. This is XXXX!!!
For last two months, I have made an electronic payment to Capital One on credit card ending in XXXX. Each time, I received an email notifying me the payment was late. I, in turn, checked with my bank only to learn that the electronic payments were submitted and paid timely. When I contacted XXXX about the same, I was to by " XXXX '' that each time, I underpaid the minimum amount due -- {$230.00}. First, XXXX  never informed me about the sudden, substantial minimum payment increase. and second, that it supposedly wavered last month 's late fee. 

Each time I have filed a consumer complaint against Capital One, I have been retaliated against.
I got behind due to an unfortunate unlawful incarceration which I 'm trying to recover from and i explained the situation to them and they were very willing at the time to work with me they stated they wanted  XXXX  payments right away I sent them  XXXX  cashiers checks on  XXXX  they sent a statement in  XXXX  and the payments were not reflected on the statement and when I called the stated they never received them so i sent them confirmation and never heard anything back from them then on  XXXX  I received the cashiers checks back and they were stamped with they deposit info so they held them a month stated they never got them then sent them back asking for  XXXX  they returned almost  XXXX