WillisBack/dataset-financial-user-claim huggingface dataset:
I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, REGIONAL ACCEPTANCE IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX, XXXX A FRAUDULENT ACCOUNT, WE XXXX XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.
I applied for an installment loan for XXXX with monthly payments of XXXX for 12 months. I had no idea this was payday lender or loan.The lender looks like a bank and the employee told me that this was a monthly installment loan due in 30 days. She had me to bring my bank statements and most recent paycheck stubs, they also ran a credit report. Exactly 8 days later she phoned and demanded payment of XXXX every pay day which equals XXXX per month. I did not apply for this type of loan. I was mislead! This is an impossible situation. I would have NEVER applied for a loan with these terms -I borrowed XXXX and would be paying back XXXX in 12 months.
the company name is advance America the case was sent to some law firm who they are im out sure I have not revised any bill or letters in this matter I just talked to a lady a case is being filed against me case no XXXX the amounts is other XXXX or XXXX ths debt happen some time in XX/XX/2015 that's what the caller said
My mortgage was sold to Specialized Loan Servicing in late summer XXXX. I have had several problems with this company since they began servicing my loan. I received the first two monthly payment notices last XXXX and XXXX and made my payments early ; approximately three weeks prior to the XXXX of the month due dates. Both payments were posted just a few days prior to the due date, which I thought was strange as my prior experiences were that payments were posted 7-10 days after mailing. 
I again mailed my third monthly payment ( due XXXX XXXX, XXXX ) on approximately XXXX XXXX, XXXX to a post office box in XXXX GA ( XXXX XXXX XXXX, I believe ). Specialized Loan Servicing claimed they never received this payment. I called their customer service phone number approximately XXXX XXXX, XXXX and initially spoke with a service representative who was unhelpful and basically told me call back in a couple of days as the late payment deadline was approaching. I again called back around XXXX XXXX, XXXX and spoke to a different customer service representative who suggested that I sign up for their automatic monthly loan payment program ; which I did. However, in order to assure that my XXXX XXXX payment was not late I had to use a one time EFT payment for which I was charged a fee. I also was charged a stop payment fee by my bank regarding the check Specialized Loan Servicing said they never received. After this incident, I reviewed this CFPB complaint database and noticed numerous complaints regarding the servicing of mortgage loans by Specialized Loan Servicing. This company seems to have serious problems with whomever they are contracting with to service their loan remittance payments. A simple XXXX search shows the XXXX XXXX XXXX XXXX to which payments are remitted is a third party payment processing company. 

Since my loan has changed beginning with the XXXX XXXX, XXXX payment to an automatic monthly EFT payment there have been no issues with the recording of P & I and the escrow funds. Now though, mysteriously, my access to the Specialized Loan Servicing website recently has disappeared. I have utilized my personal email and a password to gain access to the site and monitor my loan since this company began servicing it last year. Recently, when I was unable to login, I thought maybe my password had expired. I requested a new password and they asked for my email address to confirm my identity. When I provided my email address, the response was they could not associate my email address with an open account. How can this be when I 've been using the same email and password to access their website since my loan was transferred to this company? I have been making mortgage payments to various financial institutions for 27+ years. I 've never made a late payment and have maintained a FICO credit score above XXXX for probably that entire time. I 've never had even one problem with the servicing of my mortgage loans over the years ; until my loan was sold to Specialized Loan Servicing.
This is regarding COASTAL CREDIT , LLC at XXXX - This account is still being reported to the Credit Bureau ... XXXX & XXXX. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have XXXX & XXXX remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. Thank you ... ..
There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXXstating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.
I have never lived at this The Address XXXX XXXX XXXX, XXXX Va XXXX
I have been disputing public records and tax liens with Equifax for three months and they have little to no reason why the records have n't been removed.. I spoke with XXXX the Supervisor on in XXXX and he guaranteed me that the investigation would be completed in thirty days..I waited the allotted time to get a response from the credit bureaus..I called back in XXXX and I spoke with an agent who said, the company did n't show any record of a dispute.. I was advised that they would have items sent out again asking the creditors to verify items being disputed..I called back on XXXX/XXXX/2016 and no results and I even provided the confirmation number that I was given, not in the system ... I sent over a fax and a certified letter demanding these items be deleted .I called to followup on XXXX/XXXX/16 to see if the documents had been received, XXXX representative told me that the documents were n't legible and I had to resubmit everything..so, he advised me to let him dispute the items again..I did n't agree for him to resubmit an investigation that should have been completed four months ago..
I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. 

It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( XXXX XXXX XXXX phone XXXX ) and ( AFNI phone XXXX ). Both debt collectors are based in MN. One company ( XXXX. XXXX XXXX ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( AFNI ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. 

My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can one debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? 

Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for AFNI, should be removed immediately.
I had XXXX XXXX XXXX with Wells Fargo. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called Wells Fargo but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.
XXXX to present..Wells Fargo, we had a Private loan with XXXX for {$15000.00} that {$15000.00} went to {$18000.00} Wells Fargo says we have another loan transferred from somewhere else for {$10000.00} which turned out to be {$13000.00} we have been paying on this loan for 8 years now and it is still {$25000.00} I want to know what gives the right to sell my loan with the accrued interest rate also? And then where did the {$10000.00} loan go to, where did it come from? I have check all my bank statements and the only one I can see accounted for is the {$15000.00} loan that was transferred from XXXX. I have another Private Loan through XXXX now, which was XXXX XXXX and it is for {$10000.00} that was suppose to come from XXXX. I called and asked my School for a report of all the loans that were taken out to go to this school and the lady was a XXXX XXXX. and told me to go to XXXX, they only report what they are told through all these companies. And their report is something totally different, than what is being reported through these loan companies. And then I have a subsidized loans that I believe XXXX has charged me their {$22000.00} that I had borrowed back in XXXX for XXXX XXXX University, and now I have another {$27000.00} loan, all my loans were with XXXX and they sold all my loans to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and who knows what else. But they all go bundle together X2, I am no accountant, by my student loans went from {$22.00}, XXXX in XXXX to {$89000.00} at the end of XXXX At which XXXX also took out a {$4000.00} loan in XXXX of XXXX and I wasn't attending school since XX/XX/XXXX, due to failing and then they wouldn't let me back into school, I was deafly sick and eventually ended up having XXXX, but because I had dropped the program 2 times I wasn't allowed to go back to school. I have a statement from XXXX showing that I had only borrowed total amount {$16000.00} - $ XXXX does not equal out to {$89000.00} I have called all these companies and not one of them can send me a signature copy or contract of any of these loans, with the exception of the {$22000.00} ad {$15000.00}
I disputed this loan and credit bureaus remove them, then Federal loan servicing keeps putting it back on my credit report after it 's removal and keep reporting a missed payment which is not correct and when they reported the missed payment it 's last period of reporting on my credit with no more payment history at all
I have been corresponding back and forth with ACS/XXXX  and now Conduent for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, XXXX and XXXX XXXX ). 

Conduent is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from ACS notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to Conduent, they said that the payments were already scheduled forXX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by Conduent and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!
Please see previous complaint # XXXX DiscoverBank. In addition to that complaint, multiples entries on my DiscoverBank checking account # XXXX  monthly statements. Entries are as ACH when, in fact, a check was issued from my checking account with DiscoverBank, also referencing XXXX XXXX, where I have closed any accounts in my name and my name only in XX/XX/2017. Anything referencing XXXX XXXX, in my opinion, on any of my accounts, these accounts will be closed. With their XXXX  XXXX class action case it seems these other banks, Discover, XXXX, might be heading in the same direction. In addition, I can not print or view these ACH entries, not acceptable. I keep a very detailed record of everything and not being able to print these so called cleared checks is not acceptable. I also know this is being done deliberately. It is very obvious to me when banks and businesses try to XXXX the customer as indicated above, it stinks of something illegal. When I was always able to print my checks and now some are being entered as ACH from XXXX XXXX, it certainly indicates something questionable is going on. As mentioned in previous complaint DiscoverBank, now I can not even contact this XXXX XXXX, Associate, Executive Advocacy, DiscoverBank, if she is not a fraud, with questions regarding my accounts with DiscoverBank. The scenario continues to grow and get worse.
This account is being reported as 120 days late and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to XXXX in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX on several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. Please delete this account immediately from my credit reports.
SOUTHWEST CREDIT SYSTEMS Address : XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX Address Identification Number : XXXX Status : Collection account. {$180.00} past due as of XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 


Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$180.00} High Balance : NA Recent Balance : {$180.00} as of XXXX Recent Payment : {$0.00} ( Someone fraudulentlyopened up an account ) and my address for the last 2years XXXX, XXXX Nh XXXX
During a Chapter XXXX XXXX Mortgage company reported me late repeatedly when I paid the Chapter XXXX Trustee every month on time. I am now trying to refinance my loan because Ruoff has raised my monthly payments that we agreed at the time of signing from {$700.00} to second year to {$760.00} and now they have raised my payments to {$820.00}. This loan needs to be looked at as to why they will not remove the late payments and why they say I owe them so much money when I do not.
I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account ending XXXX as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account, as consumer will not be held responsible for any mistake by the institution or merchants. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the unauthorized charge to be resolved. Please provide the bill of sale, authorization of charges within 5 business days period. Unable to comply with request determined the unauthorized charges to be void. *Under Fair Credit Billing Act ( FCBA ) its mandatory to comply with disputed request of 161.Correction of billing errors, 165.Treatment of credit balance, 166.Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor. 
170.Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses
I have been trying to get Equifax to update my personal information for the past few years so that I 'm able to obtain my credit score. I was married in XX/XX/XXXX and I sent in the updated the information. I requested to get all the FRAUD ALERTS removed and they were just extended till XX/XX/XXXX. I 've sent in my ID, social security card, XXXX and military ID in hopes they would update my credit report to no avail. I 've recently tried to start the dispute process again but it has turned into endless phone calls, faxes and mailed in letters. I would just like this information updated.
We paid off our mortgage with wells fargo on XXXX/XXXX/15. On the evening of XXXX/XXXX/15 I received a letter stating that I had to call them to cancel my auto withdrawal of my mortgage payment. I checked my account and noticed that they had tried to withdraw the mortgage payment, so we were charged XXXX XXXX. insufficient funds charge. I called them XXXX and told them to cancel my auto withdrawal. On XXXX they tried to withdraw again. We got another XXXX charge, plus a recurring insufficient funds charge of XXXX. So now we 're up to XXXX dollars in our account. I called wells fargo again, and the girl kept saying I have no record of your call, you never told us not to take the money, and there 's nothing we can do about it, you need to put a stop payment on your account. Also that they would n't refund the fees. So, I called XXXX bank and told them what was happening and she told me that, sure, they could put stop payments on those amounts, but it would cost XXXX for each XXXX. At this point I told her to close my account. She said she could n't close it until I paid the fees.
I applied for a loan modification through Ditech XX/XX/XXXX and was told that it was approved XX/XX/XXXX I then started making the trial payments. I was told to expect the final contract papers XX/XX/XXXX. I have not yet received any paperwork to finalize the modification. Ditech has been reporting my mortgage payments in default since early last year. They have said that they are having a " system error '' and the system is not updating the modifications as it should so they are unable to even manually generate modification documents. Their rep says that she has been complaining but it is not getting fixed. Recently my car died and I had a huge amount of trouble securing financing due to the dings on my credit report and subsequently have not been given a good interest rate for the life of this loan which has cost me money. I have kept up the trial payments through XX/XX/XXXX, but would like this issue resolved and the modification made permanent and my credit report corrected. I have escalated it to HAMP, but still have got nowhere with Ditech.
I used XXXX to apply for a Citi credit card. After being approved for an amount, it gave me the option to perform a balance transfer and add an account. I added my XXXX account number and hit submit. Then it said I was idle and logged me out. I do n't know if my mastercard information is safe. I did not get any confirmation email from lendingtree or Citi. Almost seems like a phishing scam.
We have a loan # XXXX originally from XXXX XXXX that has been serviced by Seterus, Inc ( Formerly XXXX Lender ) that has never been late ( account was always in good standing ), but since XXXX XXXX they have misapplied payments to all principle instead of applying to the interest installments. We have had to call every month since to attempt to correct then, and they have not been able to do so. They adjust it after several calls a month, but for the latest month ( XXXX XXXX ) they have not been able to correct it and have been very incompetent about it. Leading us into a situation where we were considered late despite making the payment on time ( actually two weeks early, including extra ). We have no escrow accounts. 
Prior to this we had issues with them and claiming we did n't have flood insurance ( when we did ), and generally a horrible experience with the company on a loan with otherwise no issues.
I believe that loans were predator. I need to have someone to review my loans. The balance from the initial loans has triple. I am not behind on the loans, and I would like to paid them off, but these figures appear to be outrageous
I have settled this account, and have documentation showing account has been paid in full. Its putting a big mark on my credit score.