WillisBack/dataset-financial-user-claim huggingface dataset:
I settled on a home on XXXX XXXX, 2015 knowing that I would sell my previous home within the month. I was told I could request a " recast '' with no problems ( agreeing to a {$300.00} charge ) and have my mortgage lowered to reflect that large payment from the sale of my home. I have been trying to get this information from Stearns XXXX XXXX XXXX since XXXX XXXX, 2015. To date I have not had any response from them & every time I call I get another round of excuses & promises that are never completed. I have spoken with several different representatives and everyone gives me a different story. Three times I was told that the information was either mailed to me or emailed to me ; but, I never receive anything. An automatic answering message states that the last time my loan was analyzed was XXXX 2015. That is when I took out the loan! I have been calling @ least 7 times within the last 6 weeks and have heard nothing from them.
XXXX XXXX XXXX is reporting incorrect information on my Experian report. I made a payment of XXXX on XX/XX/2018 and a payment of XXXX on XX/XX/2018 which brought my account current. My due date is the XXXX of each month. On XX/XX/2018 XXXX XXXX XXXX reported me 60 days late but as of XX/XX/2018 my account was brought current with those two payments so why on XX/XX/2018 XXXX XXXX XXXX have reported me 60 days late. It should be showing current.
I received a letter from XXXX XXXX dated XX/XX/2017 and less then 1 week a collection was placed in my credit reporr in a clear violation of the FDCRA but the worst part is that TRANSUNION amd XXXX  allowed XXXX XXXX to place an incaccurate account open in a lapse of time I was not living in the address and obviously opened using my identity. 
The date show XX/XX/2017 and during that period i was in a shelter for over 1 year since XX/XX/2017 as shown in a residency letter. 
The account number is XXXX as appear in the collection letter for XXXX with XXXX as original creditor. 
TRANSUNION AND XXXX violate the FCRA by allowed the collector to place imaccurate and false infornation in my credit report without any supporr or verification.
Ref : Amazon Card Acct # XXXXGentlepersons : I am writing to dispute the erroneous credit reporting by showing wrong balance which is damaging my credit. Facts are stated below. Please verify and correct the reporting to all three credit-reporting agencies to whom I am marking cc. 

I only once charged this Amazon store credit card before requesting to close the account for unacceptable customer service. My statements were mailed to USPS mailbox. During the period I was reported late, my mails were erroneously returned backed to senders. Another creditor XXXX had same issue. However, XXXX confirmed that they did receive statements back from post and gave me full credit of late payments and finance charges. 

Recently unbeknownst to me these late payments with no mistake of mine were reported to credit reporting agencies, damaging my impeccable credit. I called your agent and paid the balance on XX/XX/XXXX except for {$2.00} insurance charge. I did not pay insurance charge because I did not voluntarily enrolled in Insurance. None of my creditors require me to pay for insurance. I asked your representative to close thee acct. 

I was surprised to see balance of {$43.00}, when called call was routed to XXXX collection agent, who gave me following information, which does not make sense. He transferred me to XXXX, US Rep of Bank who was very courteous and patiently understood the situation and confirmed XXXX balance and submitted information to correct erroneous late payment information to all the credit agencies to restore my good credit. I have already raised dispute with Transunion. 

Talked to collection agent XXXX XXXX - XXXX XX/XX/XXXX payment due, {$16.00} XXXX/XXXX/15 Only XXXX Charge was madeXXXX Could not confirm if charge was {$16.00} why amount due raised to {$39.00} of which I paid {$34.00} on XX/XX/XXXX In spite of my conversation with agent in XX/XX/XXXX your representative confirming resolution, without any extra purchase still late fees of {$35.00} were tacked on. On XXXX/XXXX/2015 XXXX confirmed XXXX balance and promised that collections will not send me bills and credit reports will show no late payments. 

I would appreciate a letter confirming that credit agencies have been apprised and no late payments will show on credit. Thanks and regards. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
In XXXX, I called Allied Interstate to place my loans in rehab to ensure I could receive Title IV funding for my final semester. I was placed into a program to make nine payments and then the loan would be rehabbed. I had automatic payments scheduled and had no problems with my bank accounts, when the sixth payment processed I contacted Allied to have notice sent tot the school that I would be able to resume receiving financial aid. In XXXX the final payment was not taken from my account, and returned to the guarantor of my loans ( XXXX  ). They have advised me that I will have to begin the rehab process one more time, and Allied has blatantly lied to XXXX about what happened with my account. I had not been able to get complete information about what happened until I contacted XXXX today, and am quite bitter that I reached out to do my due diligence as a borrower and was not given information that was accurate on how to proceed. I did file a Borrower Defense to Repayment in XXXX of 2017 which Allied was aware of, I informed them that I wanted that hold removed, which they said they complied, but when the loan was returned to XXXX the hold was still there, and no further information could be given. These practices of bouncing the loans from one servicer to the next are reasons why borrowers are struggling to get accurate information to maintain timely payments and avoid problems like default. 

I have attached my contract with them, also the statements where the money was removed and the last statement which shows that the money was never attempted to be removed from my account for the final payment ( they have claimed that the payment was returned for the final payment )
This XXXX XXXX XXXX was deleted almost two years ago and readded 3 months ago. This account is not mines and I have disputed in the past. 

XXXX XXXX XXXX {$4100.00} Closed Inquiries below : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans XXXX 
XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Auto Dealer Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX In Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing
I filled out a application online for a car and on the website it says that there will be no credit check. This happen on XXXX XXXX 2017 they also try to get money from capital one which is now on my report
Inaccurate info such as home loansinaccurate loan and information on credit report
To W hom It May Concern  : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and  may possibly be relatives address. Please see the attac hed copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRE NT WORK INFORMATION IS :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   My current  phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses IMMEDIATELY :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
On Sunday, XX/XX/2018 I deposited ALL my money ( Cash ) into a Citibank ATM outside a bran in the city of XXXX, CA. Instead of crediting my account an error message on the screen and receipt appeared saying I'm sorry. Because of technical problems, I can't return your cash right now. The receipt did not even state how much I had deposited so I Immediately panicked. This is all the money I had in the world and losing this money will hurt me in so many ways. Since it was a Sunday I could not go into the branch and speak to someone so my next move was to call the customer service number listed behind the debit card. Customer service was only able to start a claim that could take 45days to be resolved and 10 days to see any credit in my account. Keep in mind that these are business days so it could be minimum of 2 weeks before I get any credit in my account. Unfortunately, I live check by check and it is the beginning of the month so rent and most of my bills are due. After standing next to the ATM for about an hour trying to get customer service to credit my account I finally have to leave. That night I could not sleep stressing over my financial situation. Finally the next days I decided that I had to go into the branch to speak to a manager to try to resolve this issue. This caused me to have to go to work late and lose hours not to mention how embarrassing it is when the bank teller accesses my account and sees that I have XXXXcents available in my account. After finally explaining to the teller my  situation the bank teller tells me that that ATM has been having tech issues after someone had attempted to deposit quarters. I asked the teller to get me the manager so we can resolve this only to find out that there was no acting branch manager in that location and that no one in the bank can access the ATMs to count the money. Teller then refers me to call customer service who then refers me to the branch. I was there for about 2 hours getting the run around until I had to leave to work. As of today Im overdrawn in my account, I have no gas, I do not know what my wife, daughter, and myself are going to eat tonight. I have called customer service every single day since multiple times a day asking to speak to the investigating unit but only get the run around. They tell me to speak to the branch and the branch tells me that they cant help me. They dont seem to understand the stress this has put on me and my family. I have no acquired late fees and to top it off my car broke down. If this wasnt an emergency I would not be going this far but it is. I have a family and have no money due to a technical error from Citibank. It is now XX/XX/2018 and I still have no funds and yes it has only been 3 days but I dont have any other money and my family have now been eating cereal and eggs since Monday because of this. I need help.
I was directed to use multiple forbearances by Navient instead of being directed to use an income driven repayment plan. I learned of the Income driven repayment plans from a friend instead of from the people servicing my account.
They continue to call my house daily even though it is my daughter who owes the debt. She is not here, and I am not paying her debt for her. I want them to leave me alone.
I received an itemized list of the reason portions of my security deposit was being withheld, the amount totaled {$190.00}. Items listed were final water bill, - {$57.00} and 3 days of pro-rated rent - {$130.00}. After receiving the check I reached out to my rental company outlining why my full security deposit should be return, the email is attached. Beginning on XX/XX/XXXX I started receiving phone calls from a debit collector, Fair Collections & Outsourcing , Inc. ( FCO ) and it wasn't until I XX/XX/XXXX when I finally spoke with the collector to determine the reason for the call. XXXX  XXXX, whom had already withheld the - {$190.00}, turned me over to this collection agency to collect a debt that was already withheld from the security deposit. Thus FCO is attempting to collect a debt already paid, please see the documents attached. 

You will notice that the reason for the collection, pro-rated rent and " damage charges '' differ from the final notice sent by XXXX XXXX, which states " final water bill - {$57.00}, also attached. I feel that I'm being retaliated against by XXXX XXXX for my persistence in asking them to return my full security deposit as the claims are bogus.
I opened an Business account with Wells Fargo and when I started it I was the only person on the account with only my information. 5-6 months later a person 'a name unknown to me had her name as secondary person for my emails. I talked to someone in their fraud division and filed a complaint. They did n't know who was and have n't given me any information about this
I was contacted in XXXX 2015 by Mountain West Legal pertaining to a debt that was owed on Oregon case number XXXX This case was taken over from XXXX XXXX XXXX XXXX. I revived court documents from Mountain West Legal from the XXXX XXXX Courts advising they had taken over the case. 

I spoke with a XXXX XXXX XXXX from the company and came to a resolution of making payments of {$270.00} a month starting on XXXX XXXX 2015. Payments were made by automatically being withdrawn from my account. Payments were debited through XXXX 2015 then stopped. 

I attempted phone contact with Mountain West Legal but was unable to connect to any of the numbers given. I was advised the numbers had been disconnected. I then sent an email to XXXXXXXXXXXX ( The XXXX XXXX XXXX I had spoken with via email in XXXX ) and received no response. I attempted to call numerous more times with no luck. 

At this point I thought the debt and issues were handled. 

I am attempting to purchase a house and have found that the judgment against me XXXX is still listed as " Unsatisfied ''. I have searched the internet for contact information and have still not found any that allows me to contact this company.
On XX/XX/18 I submitted a dispute per FCRA to correct incorrect information on my Experian Credit Report per FCRA Regulations Section 623 whereas they remove some of the incorrect names but not all. I am a XXXX, my son is a XXXX.I am living by my full name at birth including XXXX. I have submitted several request on XX/XX/18, XX/XX/18 ,XX/XX/18 and XX/XX/18 with negative results. I can't understand why they continue to list these names i've request to have deleted. Thank You
We heard about the CFPB invesigating the practices of XXXX/Navient. We are one of the complainants concerning XXXX/Navient. 
Our daughter got her student loans through XXXX/Navient. The school that she attended and XXXX did not really talk about the amount of debt that her loan was going to bring upon her. Her total interest rate per month is 27.5 %. When contacting the lender about consolidating her loans. She was told that you had to consolidate your loans within the first two weeks after graduation. Such a short window to consolidate is not right. There should not be a time limit when to consolidate a student loan. 
We have paid over {$61000.00} toward her student loan. But have made little progress in paying off the debt. Her monthly bill is roughly {$620.00} with around {$360.00} in monthly interest after nearly 100 payments. Our daughter has not been able to find a job that can pay enough to cover her student loan. We as parents are nearing retirement and do n't really want to have to take on a consolidation loan in our name. We are not sure of our rights in regards to this matter. We feel that our daughter was misled by her college and XXXX to get her to sign for the loans and for us to co-sign. We should have asked more questions for we were naive in trusting the college and XXXX in that they had the best interest of the students when it came to applying for student loans. In talking to lawyers in the past, they did not want to get involved because it was a private loan.
My Bank of america loan was reported as a charge off on my XXXX credit report. I was about to pay it off and the account disappeared from my online banking. 

How I'm I supposed to payoff loan? Why was I not been given a chance to payoff? 


BK OF AMER View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$28000.00} Balance Updated XX/XX/XXXX Original Balance {$45000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 75 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Comments - Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Discover credit card company made several mistakes with my auto pay bank account number changing. After this issue settled down I disputed an auto withdrawl XX/XX/XXXX. I was staying in the mountains in XXXX, CA and I had no internet access. A payment came out and I called a few days after I had internet access and could see. They insisted I had made it, I insisted otherwise. After this they escalated it to the fraudulent department and issued a new card, sign on ID and password. I was so angry I stopped using the card, and had n't signed onto the account for a couple months. Suddenly I got a notice from a bill payment service that said I had a late fee from Discover. I had n't got a bill in the mail, or in the email but there was {$64.00} due. With the jssuing of a new card, and sign on ID it had stopped my US mail bills and access to email account information. By that time it was too late and a few days past due. Discover happily removed the late fee and said it should be a problem. Later that year I was locked out again and had to be re issued another account sign on ID. In XX/XX/XXXX I noticed my credit score drop XXXX points. After receiving my free credit report I now know it is from Discover. 
I believe in large part my late payment was due to the multiple changes to my account all of which was out of my control. I have lost a lot of faith in Discover, but I 've been an account holder sense XX/XX/XXXX. If I close my credit card it will hurt my credit much more. I am asking again that Discover remove the late payment from my credit as they had made so many errors on my account from XX/XX/XXXX/XX/XX/XXXX.
My credit score has been in the mid 700 's ... 750 or so. I paid off a car loan that had been in existence for two and half years. This account with XXXX XXXX was paid on time and no late payments. As was all my other accounts. When I paid off the loan, my credit score with Transunion dropped 97 points. I called transunion and was told I need to use some of the credit I have. I currently have credit cards with balances that have been paid on time. 

I want my credit score adjusted reflect the on time payments that I have been making. I have worked too hard to get my credit score where it is/was. When I paid off the car loan, the other two reporting agencies dropped my score by two or three points. NOT 97 points.

I did what the representative at Transunion told me to do, use some of my credit and I did. I used {$1000.00} on two cards and my score has not changed. I am in the market for a mortgage and this is hurtful to my chances of getting a decent rate. I don't think it's fair that a computer is left up to deciding my credit score. thank you.
Chase Sapphire Reserve Card ending in XXXX Claim # XXXX Initial claim filed on XX/XX/18 Claimed for lost deposits and costs involved due to XXXX XXXX flight cancellation that occurred on XX/XX/18 in the amount of {$380.00}. 
I have contacted them multiple times by both telephone and email, asking progress of claim. In one case they asked for further information which was provided. In each case after contact I was advised that I would be contacted. No followup and no progress ensued.