WillisBack/dataset-financial-user-claim huggingface dataset:
They reported late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I am pretty sure I was not late. I keep disputing this with them and the credit reporting agencies and I also sent them a hardship letter because I did belive I was delinquent at one point but I am not. I want them to show proof of all the delinquencies. THEY ALDO GAVE THE ACCOUNT AS CLOSED WHEN IT'S NOT!!!! THEY'RE REPORTING INACCURATE INFORMATION. WHICH IS ILLEGAL.
I am a XXXX Vet and in XXXX of XXXX, the VA truncated my benefit check. I could not keep up with my monthly obligations. After falling behind on my mortgage I was afforded a loan modification by the Money Source who held the mortgage. After filling out the XXXX loan application numerous times, I finally met there expectations and the paperwork was approved. 
My new mortgage went from XXXX to XXXX and my loan was split up into XXXX separate loans, XXXX for XXXX and the other was for XXXX due at the end of XXXX years. This was in XXXX or XXXX of XXXX. It is XX/XX/XXXX and I have been told that I have incurred an escrow deficit of XXXX and my mortgage payment has risen to {$1000.00}. until the deficit is caught up. 
Having called on this issue several times ( XXXX ) my experience has been once I got a rep to answer the call ; I was transferred several times to different departments and for now ; it was the bankruptcy department, because I am currently in litigation. After talking to XXXX of the agents on the subject ( Escrow Deficit ) I was placed on hold and them the line went dead and no one follow up with a call back, even though the rep required me to give them a call number in case we were disconnected. 
It is my thoughts that there is gross mismanagement and misconduct going on with this company and how they handle our escrow accounts. Between XX/XX/XXXX and XX/XX/XXXX, I have only missed XXXX or XXXX payments ; XX/XX/XXXX through XX/XX/XXXX. I pulled up my transaction history ( mortgage payments made ) and I made XXXX payments that {$240.00} ( {$3900.00} ) went to escrow from XX/XX/XXXX to XX/XX/XXXX. From XXXX to XXXX nothing was added to escrow even though I was making mortgage payments. XXXX to XXXX of XXXX, I made XXXX payments of {$720.00}, to qualify for the loan modification. 
From the period of XXXX through XXXX of XXXX The XXXX XXXX made transactions that are unclear. My previous mortgage was modified from XXXX to XXXX separate loans ; XXXX for {$87000.00} for a XXXX year period and {$35000.00} was due in XXXX lump sum at the end of that XXXX year period. 
After going through all that the Money Source required of me and missing only XXXX to XXXX payments and paying into the escrow account as I did ; I find it very hard to believe that in a two-year span having paid out only {$930.00} for the first years taxes and {$1500.00} for the second years ' taxes that I incurred an escrow deficit. Something is very wrong with this company. 

I find it very difficult to believe that after paying a little over XXXX years of mortgage payments and missing XXXX or XXXX and The Money Source only paying out {$930.00} for the first year and {$1500.00} for the second year ; that I am in a deficit of over {$2000.00} and they want to XXXX my payment up from {$700.00} to {$1000.00}. to cover this so-called deficit. The Money Source has gotten over {$7400.00} in escrow from me and has paid out about {$2500.00} for taxes.
We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX , FL vicinity ). 

We applied for a {$250.00} deferred minimum payment grace period on our Citi credit card ending in XXXX. 

We have not received the {$250.00} payment deferment as promised for XX/XX/2018 that is due by Monday, XX/XX/2018 per Citi Irma Relief at XXXX XXXX XXXX. 

XXXX XXXX
We are a family owned small buisiness. We have worked with Bank United since XXXX. We currently have a line of credit for $ XXXX and a term loan with a balance of $ XXXX. The original amout of the term loan was $ XXXX. 

On or about XXXX, we attempted to re-finance the loan and extent the line of credit. The local Bank manager helped us with the application and we provided all the paperwork requested by the Bank. The officer in charge of the final approval XXXX XXXX, disapproved the rquest. According to Mrs. XXXX, debt to income ration was too high. However, acording to the local Branch manager, our numbers were very close to their lending threshold. Subsequently, we began to make larger payments to all our current obligations and we were able to reduced the debt to $ XXXX less. In addition since XX/XX/XXXX, our business income as average XXXX a month. Our credit is excellent and we have never been late or missed any payments. Once again we approched Bank United with a debt consolidation request. This time with a new Branch manager XXXX XXXX and the same Bank Vice-President XXXX XXXX. Once again the request was rejected this time for lack of cash flow. I belived that we have been treated unfairly.
On XX/XX/XXXX I learned that my identity had been compromised and an authorized account had been opened in my name. I reviewed my credit report and found that, in addition to the unauthorized account, there were 3 unauthorized credit inquiries on my credit report from Chase Card Services. 

OnXX/XX/XXXX I wrote and mailed a letter to Chase Card Services and explained that their inquiries were unauthorized. On XX/XX/XXXX I received a response from Chase stating that they were removing one credit inquiry, but they determined the remaining two were valid. n XX/XX/XXXX, I wrote another letter disputing their findings and I maintain that I have not authorized Chase to pull my credit! 

To-date, this has not been resolved and the inquiries are adversely impacting my credit score with all three major bureaus. 

FCRA requires furnishers to report accurate information and Reg B requires permissible purpose to pull my credit. None of the inquiries are accurate/authorized and Chase did not have a permissible purpose to inquire on my credit report. 

I have provided enough information for this furnisher to complete a competent investigation, yet they have not corrected their mistake.
I have XXXX collections accounts in my credit report, XXXX for the same collection agency, and XXXX to the same original creditor ( for nearly the same amount ). I have requested confirmation of ( and information for ) XXXX these accounts by certified mail, and I 've received NO response from the agency.
I opened a secured credit card through Wells Fargo in XXXX of 2013 in the amount of {$500.00} At the time when I opened the account I was told after 12 months I would be graduated and the account would no longer be secured. As long as I used the card and paid on time. I have done both and it has almost been 2 years now and they refuse to unsecure the card and refuse to tell me why they wont. I XXXX paid too early and it resulted in a late fee but after speaking with them they saw the payment I made and reversed the charge. I really think this issue is holding my account from being upgraded.
A debt collection agency, MCM Midland Credit Management Inc, is continuing to try to collect a debt that my bank deemed to be fraud. I called the debt collection agency and explained the issue ( below ) to them and informed them that they were trying to collect a debt that was determined to be fraud by my bank. They stated that they only work for the company that hired them, and they refused to stop sending me collection notices. It has been 1-year, and they still refuse to stop sending notices. The fraudulent and unpaid bill is also listed on my credit score.n Original Creditor is listed as " XXXX XXXX XXXX Bank and MCM Acct # XXXX for amount {$270.00}. I have done my best, and they apparently have no intention of stopping the efforts to collect something. 

What happened : A friend 's XXXX-year-old daughter ordered " Beauty Cream '' for me with my credit card. I called the company within 10 minutes, and they claimed to have no record of the order. Then I received several charges on my credit card from different companies for the same order. I contacted my bank who determined that this was fraud, and prompted blocked all charges and refunded the money. It took me working with the bank for 3 months to stop all the charges since each time there was a different company name on the charge. Right after that is when I started getting the debt collection notices. I called the debt collection agency who refused to stop trying to collect even after I informed them that it was fraud.
XXXX XXXX XXXX XXXX i have asked for a payment history over 60 days ago and i believe the late payments reported are incorrect. XXXX 2012, XXXX 2012, XXXX 2012, XXXX 2012 and XXXX 2012.
This complaint is to blow a little steam and open the CFPB 's eyes to CitiMortgage and their CB reporting. And perhaps CitiMortgage will take a deeper dive into their own CB reporting - perhaps look through the XXXX? 

For some reason, CitiMortgage has been sending the Consumer Reporting Agencies a XXXX, which has been removing the tradeline from the scoring algorithm calculated by XXXX. I 've NEVER once submitted a Direct Dispute, so no Compliance Condition Code should be on the loan. Compliance Condition Codes are only supposed to be used when a customer submits a Direct. Even if your practice is to place a CCC on a loan with an XXXX - I 've never once submitted an XXXX either. After calling in to CitiMortgage, I think they 've removed it, but would like this double checked. 

Secondly, XXXX has my employer listed as CitiMortgage as well. WHAT? I do n't work at CitiMortgage. I have n't checked my other bureaus yet, but I 'm sure they have the same info. My thought process is that, for some odd reason, CitiMortgage is submitting an XXXX segment advising that I work there. I 've disputed this with XXXX, but as previously stated I have not checked the other bureaus and would like you to verify and make sure you are not reporting this out month over month. 

One more XXXX to pic. I 've had nothing but problems with your company since I 've taken out the mortgage. Every year, my Escrow shortage payment gets messed up, and every year, I have to call in and get that fixed. That 's probably how the XXXX was placed on my loan, or perhaps it was last year 's CFPB complaint that prompted you to place it on there, but ... I was told that you wo n't remove the escrow and just let me pay my taxes as they come in. XXXX forbid. 

P.S. I manage CB Reporting/Disputes at a financial company - so I know what I am talking about. And I know that the CRA 's mess up a lot. It 's possible that the CRA 's botched the data on their end. However, in all probability it 's CitiMortgage who is furnishing inaccurate information.
The banks 's account holder and his employees testified under oath and admitted to wrongfully endorsing checks made payable to my Company and ( XXXX ) and depositing them into accounts with Prosperity Bank without my authorization. Also, he admitted that he attempted to get an assumed name the same as Company. Prosperity Bank and it 's account holder are not disclosing the total amount in which were deposited but we know that it around {$100000.00} XXXX or more. This has really affected my business and have sent me through extreme financial difficulties. I have lost everything and it seems as if my issues are not being acknowledged. 

Properity Bank told me that there was a document is place in which allowed the endorsing and depositing of checks made payable to my company ( XXXX ) but they refuse to produce it. Any document in which purports to authorize their actions is a Fraud Document. 



Thanks
I tried to get a modification several times but they still did n't give me one even after making trial payments. But I started with a realtor to get a short sale done because I did not want a FORECLOSURE on my credit because its hard getting approved for an apartment with a bankruptcy or foreclosure status that 's not a year old or more. The realtor and I was speaking with them today and they said they can not postphone the sale because Chase is asking that the HUD-1 show that the taxes are paid because they said they paid them. The title company could not verify it when they asked and now Chase does not want to postphone because they paid them on XXXX XXXX, 2017. But the title company could not verify and asking to give them time. I have signed every form sent to me and it not my fault that this is happening my realtor has all forms showing how we have been in compliance towards this short sale. Please Please Please help.
Managed Recovery Systems keeps contacting about a debt they have yet to validate. XXXX XXXX requested debt validation by mail inXX/XX/2017.  Managed Recovery never replied. Now they are sending threatening letters in the mail for {$140.00}. They can not threaten to destroy my credit or sue for debt that has not been validated. I dont even know where this is coming from.
On XX/XX/18 I ordered a pair of shoes for {$110.00} via PayPal from a XXXX retailer called XXXX XXXX. I'd never ordered from XXXX before, and I was hoping to use PayPal in case there was anything fraudulent involved with XXXX. XXXX 's tracking information never worked for me, and on XX/XX/18 they emailed me saying the package had been delivered. It never was. I attempted to work this out with XXXX, but they were unresponsive so I reached out to Paypal on XX/XX/XXXX filing a complaint. PayPal spoke with XXXX and denied my claim for a refund on XX/XX/XXXX on the grounds that the seller 's tracking service indicates that someone signed for the package. No one was around to sign for the package on XX/XX/XXXX, so this is very strange. In addition to this, the tracking website they provided to PayPal is only in XXXX that XXXX is unable to translate via XXXX. Nonetheless, PayPal took this as sufficient proof that the package had been delivered, without ever seeing evidence of signature. I worry that XXXX committed deliberate fraud, and that PayPal 's system denied my claim when it should have been accepted.
Equifax has me living at XXXX different XXXX, PA address. I have NEVER lived in XXXX, PA. So whatever collection is associated with this address should be taken off. 
Equifax XXXX reported an account from XXXX thru XXXX XXXX dated XXXX XXXX, XXXX in the amount of XXXX. I have n't had a XXXX account since XXXX. 
XXXX reported XXXX Insurance dated XXXX XXXX, XXXX in the amount of XXXX. I dropped XXXX Insurance in the year XXXX. In fact last year I received a XXXX refund thruPA Unclaimed Property. The XXXX XXXX XXXX XXXX for XXXX was paid this week. 
I tried calling Equilfax but was unable to connect because I did n't have a equilfax report number.
I recently obtained a copy of my credit report and noticed XXXX tradelines from Financial Credit Network ( Medical ) I never have had an account with Financial Credit network, never received anything in the mail from them regarding this " debt ''. 

I am requesting under the Fair Debt Collections Practices Act that they validate this debt and prove that it belongs to me. Simply matching up numbers in a computer does not constitute a validation per FTC standards. 

I am suspecting that their intentions are fraudulent and malicious in nature and wanted to make the CFPB aware of the situation.
I have disputed the accuracy of my bankruptcy account on all 3 credit bureaus. XXXX  has removed the public record from my file but Experian and XXXX keep saying that the information was verified as correct. The type of record is incorrect. I filed a Chapter XXXX in XX/XX/XXXX and as of XX/XX/XXXX the record should have been removed from my report. They keep reporting it as a chapter XXXX. I have sent letters and documentation showing this and they still haven't removed this.
There were fraudulent charges made on my account that was n't me and I kept explaining to Bank of America I was n't responsible for these charges and I never write checks. Apparently someone wrote checks in my name that I was unaware about and they were charged to me anyways. I recently paid the account which they told me would come off and never did so they really lied to me about it just to get my money.
I have recently found out my mortgage broker name was added to my loan as owner with me. How I found out is he declared bankruptcy and it was put up as parr of his assets. When I called lawyer who closed the loan he stated that he received a letter from said broker/ bank and told to add his name to loan. Please help me. XXXX XXXX XXXX XXXX XXXX
I have had a fraud protection alert with Equifax for the past ~8 years, paid for by the province of XXXX due to an OSAP information leak. In early XX/XX/XXXX, I applied for a cell phone with XXXX XXXX and they were unable to access my credit file. I have called equifax and they initially said XXXX could not access the file - I would have to purchase a credit report and send it to them. After an hour of arguing, they agreed that XXXX could see the report if they provided my basic information ( name, DOB, address, etc. ). XXXX has tried twice more and can not access my file.

Ive now requested the fraud alert to be removed from my file, a process involving writing a letter, photocopys of identification, and faxing to equifax. Theyve now responded that my address was illegible, however the letter was written in XXXX XXXX so that can not be true. They also claim I didnt include copies of identification, which I have and can prove.

It seems equifax is trying to 1. Continue charging the province for fraud monitoring that I no longer want ; 2. Charge me to access my credit file every time I need a creditor to see it.

I have called to rectify multiple times and not once was I allowed to speak with a second line representative ( manager of some kind ).

Thank you for your help with this matter. XXXX XXXX
I sent a certified letter to Diversified Consultants, XXXX XXXX XXXX, XXXX, FL XXXX requesting verification and disputing the allegation that I owe them {$580.00} on XX/XX/2018. As of this day I have not received requested information and the debt is not listed as a dispute with the reporting agencies. 

Copies of the letter and delivery receipt attached.
XXXX initiated funds transfer upon account closure ( acct # XXXX ) to Barclays saving account # XXXX on XX/XX/2018. However, this account was closed on XX/XX/2018. Hence, as per Barclays, the incoming funds were rejected and sent back on XX/XX/2018 using tracing # XXXX via XXXX  XXXX XXXX, who acts as a clearing bank for XXXX 's bill pay service. 
Barclay 's proof of transmittal does not contain the account number where the funds were transferred to. Hence, XXXX XXXX XXXX is unable to locate the funds. 

XXXX  XXXX XXXX wants to know additional info or the account number where the funds were transferred to in order to locate the funds. XXXX wants Barclays to issue a recall notice to XXXX  XXXX XXXX so that funds get sent back to the issuer. 

Case # XXXX is open with Barclays for the past 6 months.
Nelnet services the bulk of my federal student loans. This company has been allocating my loans in ways contrary to what is listed in my monthly statements and payment schedule for the entire time I've had the loans. When I contacted them, which I have to do every month because the auto payments just happened to be allocated towards my lowest interest loans to have it adjusted to match what is in my payment schedule, they tell me that they have to put in a special payment request to do so, and often, this payment request is not honored and I have to contact them through their chat service to make an additional request to have it fixed. I repeatedly asked for proof that such request was being made and to understand why the payments weren't being allocated as suggested in the monthly statement or payment schedule, both of which are available in my portal, but they said that such requests were not accessible to me and they couldn't share any internal information. This was and is a huge burden to me to attempt to have my loans allocated towards the higher interest groups, or at the very least in the sums as stated in my original payment schedule or even the monthly statements. I repeatedly asked that my loans did not get " advanced due dates '' and almost always clicked the box to not advance due date ( once I figured out what that did ) when I made additional payments, yet, the loans still get out of sync. The secretive and nontransparent loan allocation process is always in Nelnets favor and to my financial detriment. Furthermore, the auto amount withdrawn monthly seems to be reduced at random times without my consent to push out the time frame I'm paying my loans and thus interest to them. I did not consent to this and again, is a non transparent action Nelnet takes that is in their favor and to my disadvantage. I feel like I have no control and that they are not accountable. I've paid on time always and I'm very attentive, which only means I see the re-allocations and have to spend much more of my time than I would like attempting to have it resolved. The lack of transparency and sneaky re-allocation drives me crazy. I don't see why this company should be allowed to profit when taking advantage of student loans in this way. I have documentation of some of my chats to prove that I repeatedly requested the allocations to be fixed because the portal overwrites whatever they've previously done. Again, no transparency.
A random inquiry appeared on my credit report. I contacted Equifax several times to inform them, it was not my acct. They never removed it
I signed up for a Walmart credit card the and PAID with my card and she swiped it to " activate '' it and in turn she had it pay for it also so if anything that woman that did the sign up is responsible for that payment or her Manger because she was not properly trained on it and I refuse to pay for something i NEVER!!!! Agreed too so take it up with XXXX iowa XXXX XXXX XXXX XXXX walmart not me
I was a victim of a phishing scam as a XXXX at XXXX XXXX. Received a message at the email address given to me by XXXX XXXX of a job offer from a supposed Professor of XXXX XXXX XXXX XXXX as a XXXX. The job said all I had to do was XXXX XXXX, XXXX XXXX and make some purchases that he would pay for by sending me echecks through email that I would print out and deposit in my account since he couldnt do it himself for being out of XXXX until school began. On XX/XX/18 I began by purchading a printer, business check paper to print checks of up to XXXX $ each. He sent three checks on that day and I purchased 7 XXXX gift cards he said XXXX XXXX XXXX   used to purchase an app with programs that mentally disabled students enjoyed and one of the checks was supposedly to cover my pay of XXXX $ a week and the cost of the other purchases. Only one check cleared that day and I got skeptical so when he asked me to buy more cards, I hesitated and told him I would wait till checks cleared if at all. It took two days for the other two to clear and that only made me believe the job was legitimate. The next day I was skeptical still and called Chase bank to ok some high amount purchases for the gift cards. They had emailed me to check if I made the transactions and I asked if the checks I deposited were real or if they were fake and could bounce but the funds cleared and I thought the checks were legit. U called school to check is the professor and job were real on Friday XX/XX/18 but it is closed on Fridays for summer so I continued depositing checks for more cards for a total of 9 checks until the next day Saturday when I quit the job. Four days later on Wed XX/XX/XXXX all the checks had bounced as fictitious and my account went from XXXX $ to XXXX $ cause Chase appropriated my money to cover the check amounts and charged me with the remaining amount as overdrafts.