WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on an account with the XXXX - partial account numbers XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
I recently had my credit report pulled on XXXX XXXX and I noticed there were several hard inquiries that were removed and have been reinserted. I called Experian and spoke with a US representative who removed those hard inquiries. I NEVER received a 5-day notice which is a FCRA violation. I am requesting that all hard inquires that are being incorrectly reported be removed IMMEDIATELY.
I need to ask for your help. I had been initially approved for a streamlined refinance through Citimortgage They are now refusing to refinance me because they say my payment was late, after XXXX+ years of on time payments I got paid on Friday XX/XX/XXXX, but it was XXXX the seventh night. I could n't pay them until the holiday was over, on XX/XX/XXXX, at night. I did, nut they said they got it XXXX/XXXX/16. I welcome any advice or assistance. 


Here is a copy of the email. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Citibank Refinance XXXX URGENT Inbox x XXXX, XXXX XXXX XXXX XXXX ( 1 day ago ) to XXXX Good morning XXXX XXXX, XXXX underwriter reviewed your loan application. We will not be able to approve the above referenced loan as submitted for the following reason ( s ) : Decline-XX/XX/2016 payment made XX/XX/2016-loan is no longer eligible for the Home Affordable Refinance Program If there is any additional information that has changed or should be considered, please let me know as soon as possible. 

If we do not receive the revised request by ** XXXX/XXXX/2016 ** the loan will be declined based on the original terms. 

Thank you. 

XXXX XXXX XXXX ( XXXX ) Citibank N.A . 
Sr Loan Officer XXXX # XXXX Phone XXXX ext XXXX Fax XXXX
It started with me getting bills from different credit cards with my maiden name XXXX XXXX being used. I closed the said accounts but then I got a colllections notice for a XXXX XXXX XXXX that Im delinquent on a loan/ bill for over {$12000.00}. Ive not used my maiden name since XX/XX/2005. Ive lived with my husband so I have proof that I have no apartment. Im getting a police report. Ive always paid all my bills on time. This is beyond concerning that after having great credit no one contacted me. I have XXXX XXXX from here on out. Please help me try to rectify this situation.
Bank of America claims that they sent me a letter by USPS and made one phone call to let me know that my residency paperwork was not in order. I did not receive the USPS letter and thought the phone call a scam as there was no tag/flag on my account when I logged in to my online banking with BofA. They suspended my account, were slow in responding to me and caused me to accrue fees from my bills because the account was suspended and thus the funds did not go through. BofA 's own credit card charged me a fee, when the card itself was suspended for the same reason. After submitting my paperwork and reinstating all my accounts, I am still getting " suspended account '' reports when I try to pay my bills ( from time to time ). The Bank can not explain why this is, but surely my utilities company does not have a reason to lie to me when the payment did not go through and they received an account suspended notice. I was told my account paperwork has not been up to date since XX/XX/XXXX. Why then, could they not give me a few more weeks to give them my paperwork and try for better communication methods? Is this the bank 's way of making up for the penalty that they had to pay because their customer 's paperwork were not in order since XX/XX/XXXX? Is BofA trying to make its customers pay for the penalty?
opened an account with wells fargo and notice lately they have the delaying the processing of the charges to confuse with the balance and become victim of fees, the account was assessed and insufficient charge {$35.00} today XX/XX/2017 and even I deposited the amount to cover the overdrawn which took 4 days to appear {$80.00} but made on the XX/XX/XXXX. I never sign for overdraft protection for this account and in the past when no funds available just do n't pay it. now somehow with the fraudulent staff they have they have turned on the overdraft protection on the account without my consent. and now they are charging the insufficient funds. 
I have tried to send the mails through their mobile website and it freezes when filling the form and when hitting the send button nothing happens, I feel I am being victim of fraudulent tactics by this bank to hurt my credit and profit illegally from me. 
I want to close this account and the insufficient charge reversed. 

Sincerely, XXXX XXXX
You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.
This company is calling about a bill from 2 years ago ... I explained that I need to see the bill and that I do n't even remember the service i.e. ; ambulance ride ... After telling them I need a copy of the bill in question they would n't comply ... I 'm sure this is a scam and I told them so
I get a medical bills on my credit report who was send to collection without my knowledge. Now I received some treated calls all the time with some harassment and legal action going to be take about me. I want all this stress to stop immediately. They even calls my cellphone during working hours.
On XX/XX/XXXX I received my first bill From Pro Collect saying I owed XXXX. I received another bill on XX/XX/XXXX with a due bal. of XXXX. I started making payments, of XXXX a month regularly, Pro Collect continued to call harassing me saying I refused to pay my debt which is not true. On XX/XX/XXXX I received another statement saying I owed XXXX. I continued to pay the XXXX. I called them in XX/XX/XXXX and asked what the pay off was and was told XXXX which I paid on XX/XX/XXXX. On XX/XX/XXXX I faxed them the documentation that I had paid them in full. Today XX/XX/XXXX I received a call and letter say I still owe XXXX. I told them I have documentation that I have paid them in full and they say I still owe. When I requested a full accounting of all payment they said they don't do will not do that. I have money order receipts totaling XXXX paid to them
I was in an accident XX/XX/2016. I reported to the emergency room with no medical coverage. I made the hospital aware that I had automobile coverage for claim. I also made the hospital aware I was in a hardship due to this accident. I am XXXX and unable to work. However, I have been contacted several times in regards to a bill for {$310.00}. I recently, was contacted with additional bills that were not related to such matters mentioned. Nevertheless, I have proof of hardship. I do not believe I should be responsible of bill or bills no limited to the accusations against me and my credit. Included is a copy of my hardship from XXXX as well as addresses involved to this matter.
I filed a bankruptcy and One Main Financial offered a re-affirmation on the debt, lowering the amount and interest rate, this enabled me to request and attain a Bankruptcy dismissal this past month. 
The re-affirmation new payment was to start today XX/XX/18 and when I called to make the first of 48 payments for the car loan, they then told me this was no longer a valid offer because I dismissed the Bankruptcy, I said as you know I dismissed it because you gave me an affordable re-affirmation as we discussed. They ignored me and their earlier assertions. 
The loan was XXXX dropped to XXXX, the interest rate from 19 % to 6 % I feel this is bad faith lending practices by One Main Financial.
I did not receive my five day notice to dispute or a 30 day notice to dispute. I did not receive verification of debt I do not owe this debt
On XX/XX/2017, I purchased a trip voucher to XXXX through XXXX XXXX for {$910.00}. A few days following, I had decided to cancel the trip for personal reasons. I contacted XXXX XXXX  to receive a refund and I was told I would not be receiving one. Following this, I contacted Citi Bank, the issuer of my MasterCard credit card, to initiate a dispute. I was in correspondence with them for weeks and provided appropriate documention of my trip cancellation. I was told by several agents of Citi that I would certainly be receiving a refund, so I decided not to worry about the charge for the time being. A few weeks ago, I realized that the charge had not been reversed and my account was accruing interest on it. I emailed Citi once again more documentation of my trip cancellation. Additionally, my sister who had also booked the same thing had her trip 100 % refunded by her credit card company XXXX XXXX without nearly as many issues I had encountered. Anyway, I contacted Citi to get further clarification and was told that I did not respond in adequate time to the dispute though I was not notified adequately that there was a time frame nor was the dispute denied initially. I beleive it is unfair that I am being held accountable for this charge due to the lack of communication, and the fact that I am not receiving any services/products though I have paid nearly a thousand dollars.
I called Transunion because I feel I was a victim of the credit inquiry Issue and they refused to help me.I have several credit inquiries that I do n't even recognize and need Deleted!
I will list them, perhaps something can be done if you contact them!
 XXXX  Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (   XXXX    )   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   Do you see errors in your report? SEE OUR DISPUTE   XXXX   XXXX  -130 Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed XX/XX/XXXX  Type Finance other than personal Phone Number (  XXXX  )   XXXX   Address   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX Type Finance, personal Phone Number (   XXXX   )  XXXX  Address   XXXX   XXXX   XXXX    XXXX  Date Filed XX/XX/XXXX  Type Finance other than personal Phone Number (   XXXX   )   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed  XX/XX/XXXX Type Automotive Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX    XXXX  Date Filed  XX/XX/XXXX  Type Banks and   XXXX   XXXX   XXXX   Phone Number (   XXXX   )  XXXX  Address   XXXX   XXXX   XXXX
In XXXX of 2015, my wife and I purchased a new car at XXXX of XXXX. Because I 'm new living in XXXX and I do n't have a credit history, Chrysler Capital financed the vehicle with the APR of 18 %. We asked if we could make extra payments on top of our monthly payments in order to get ahead on our principal, and they said yes. Our monthly automatic recurring payment is {$470.00}. The first payment went through fine, but in XXXX, we made an extra payment of {$750.00} to go towards the Principal Balance. Chrysler Capital instead took {$390.00} for interest rather than as requested. When we saw this, we informed them that this is just for the principal balance because we are still making automatic monthly payments. Before they fixed the {$750.00} amount, they 're online system accepted our automatic XXXX payment but only took {$29.00} towards interest. They did n't take the correct amount of interest from this payment as they should have. Due to their error, it put us behind on interest, therefore increasing our daily interest rate and accruing a much larger monthly interest. Therefore, in XXXX and XXXX, our automatic monthly payment of {$470.00} has gone completely to interest and none toward principal. The XXXX statement actually states that the accrued interest is {$350.00}, but Chrysler Capital took the full payment of {$470.00} toward interest and XXXX toward principal. They refuse to fix this. 
We have called them many times, asking them to fix the problem because this was their mistake. They told us that it is our fault for making that extra payment and not wanting any interest taken out of it, but we specified that the the normal interest amount should be taken out of the automatic XXXX payment. We have spent hours on the phone every month trying to find a solution, we have escalated the complaints to the " Office of the President '' at Chrysler Capital and they have offered no more than an " apology '' but have not fixed the problem. We should not be paying interest only because this was their mistake for not taking out interest from the XXXX automatic payment. They refuse to offer any solution or help when we have paid all payments on time and have even paid more. They are stealing our money and not allowing us to pay anything toward principal.
Upon moving out of my apartment, managed by  XXXX   XXXX , I was sent a bill for various charges which were not described to me on the bill. The charges on the bill I was sent also did not add up correctly ( the total amount due did not equal what each line item added up to  ).  The bill clearly says not to contact the propert y manager  if you are disputing the bill, but to send an e-mail to the company and provides the e-mail address to send it to. I did this before and after the due date of the bill and received no response.  XXXX   XXXX  then sent my bill to a collection agency  National Credit Audit Corportation. They have re peatedly told me that I must pay the bill sent to them even thou gh it is not the same bill I received or it will affect my credit score. I told the person there that I have trie d contacting the management company to dispute the charges and they refuse to respond. I am now planning to file a complaint against  XXXX   XXXX  ( and possibly National Credit Audit Corporation ) in the Magisterial " small claims '' court. I believe I have a right to speak DIRECTLY to the party sending me the bill and dispute their erroneous charges.  XXXX   XXXX  is only trying to bully me by stonewalling my dispute and hiding behind a collection agency which is an unfair and unethical practice.
Back on XX/XX/XXXX XXXX  accidently added a tablet to my account and they told me XX/XX/XXXX that it was removed and now a collection agency want to collect and place a item on my credit burear account.

DIVERSIFIED CONSULTANTS INC XXXX  Florida
I just saw this Collection Account from Brown and Joseph , LTD which is showing {$0.00} balance. According to Brown and Joseph the collection was open on behalf of XXXX XXXX, which I have not done business with for a very long time and was never in debt with, hence it says {$0.00} balance. 

Also, I have never received any collection notices over mail or phone from Brown and Joseph , LTD or XXXX XXXX. 

This needs to be removed from my Credit Reports because the information is incorrect and erroneous.
I have applied for loan cancellation for teachers XX/XX/XXXX. It was denied because it was stated that I attended XXXX University from fall XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I attended XXXX XXXX. XXXX XXXX XXXX University XXXX XX/XX/XXXXreceiving degree in XXXX  XXXX. after retiring in XX/XX/XXXX I was informed last year by Navient loan services my loans could not be consolidated. I sent them documentation pertaining to the amending of the pre XX/XX/XXXX laws concerning XXXX loan forgiveness. My documentations have been denied. But I have been sent loan repayment statements and is expected to pay {$450.00} per month. Last year I qualified for .XXXX  dollars repayment according to my IBR payment. I am XXXX years of age and have worked in both XXXX XXXX and XXXX for XXXX XXXX. I do n't understand what is happening to consumers today. They work for poverty wages and pay their loans also. Why have greedy loan serving company being able to force us to pay until we reach age XXXX before my loan are forgiven.
I have had this debt already removed by XXXX different agencies. They investigated and stated it was not my debt. However XXXX still has this debt on my credit report.
I keep receiving calls after calls all times of the day and evening from " XXXX XXXX '' which is a collection company claiming that I owe some type of money 's " which I don't owe ''! I've asked this company to stop calling and contacting me, however, they don't stop and continue to yell at me over the phone using foul language and keeps making false statements as to me verifying myself when I never gave my name or SS #.
I have a XXXX loan with Plaza Home Mortgage Company. Due to no fault of my own, the construction project was delayed and an extension was granted. The project is still only a couple of weeks behind schedule. I requested a 2 week extension and was denied. I was also threatened with foreclosure and was told that I am on a final HUD default list. I have been making timely payments and have not missed any payments all throughout the duration of the loan. I have spoken to the XXXX administrative processor and his supervisor, to no avail. They both refused to allow 2 more weeks to finish the construction. Unfortunately, after they threatened foreclosure, they have been purposely delaying the processing of the contractors XXXX draw and do not return phone calls in a timely fashion.
A settlement for a short sale with XXXX was made in XXXX/XXXX/2012. I received a form XXXX for the cancellation of debt ( Please see attached ). XXXX report my account as outstanding 2 months after settlement
I am victim of identity theft. Someone unknown to me used my personal information to obtain goods and services fraudulently. I did not authorize or have any knowledge of these accounts. I have contacted the mentioned collection company Financial Credit Network who are reporting this fraudulent account on my credit report and they repeatedly verified the account, ignoring my police report, statements and the fact the account is fraudulent.
XX/XX/2018, amount {$120.00} for a collection that keeps appearing on my credit report with XXXX  that I do not owe such a debt. Thus after filing a police report of fraud and do not have any public record to verify that I owe a debt. It still appears on my file with the Consumer Statement of : " This account is not mine and can not be verified because you have no legal court order or judgment stating that I am responsible for this account which is fraudulent in nature, Just because a collection agency states that it belongs to me does not make it valid without proof of verification under the fair debt collection act. '' This information had only appear once I close on Escrow XX/XX/2018. Did not have any negative information on my credit report when I purchased my home as a Veteran. After many attempts to try to contact XXXX  and state that the information in wrong and also provided a police report, they still insist that I do indeed owe this money to the Company Known as Kimbal Trey & St John.
It seems impossible to get a FACT ( free ) credit report online from Experian- it fails with a message saying a free report is not available at this time. 

All to conveniently, you can get a report on the website for what appears to be {$1.00}. However, this offer is misleading as the service actually costs $ XXXX/month. It is unnecessarily hard to cancel this service, which can only be done via phone.
After contacing Stearns Lending Consumer Solutions Department through stearns.myloancare.com and by phone at XXXX 7 times to get them to pay my XXXX property, MUD, and school taxes they have failed to do so and my taxes are now 2 months late. I have called them 7 times since XX/XX/XXXX, it is now XX/XX/XXXX and each time they have told me my taxes would be paid. Each time I have asked for documentation to show that the taxes will be paid and each time they have been unable to do so. I have been told I would be called back twice, both times they did not call me back. I have made every effort possible to make sure my taxes would be paid and they have failed to do so. A professional mortgage servicer should at very least be able to provide documentation that they will pay my taxes on time. The whole point of setting up escrow is to make sure they handle paying my taxes which it has clearly failed to do, they can not even provide a date that I can expect the payment, I simply have to wait until they go late another month before I will know. This is an extremely unprofessional process which has provided no documentation or records, and has cause late payments and undue stress.
I get repeated calls for debts owed by someone with the last name of XXXX. I have no idea whom this person is. They are not myself nor any relation to me. No matter how often I tell these people this is not the XXXX 's number, I continually get calls for their debt collection!