WillisBack/dataset-financial-user-claim huggingface dataset:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : PXXXX XXXX XXXX ) XXXX
I contacted the collector and made arrangements to pay the debt he contact my work repeatedly, in the same hour. Then proceeded to contact people i havent spoken to in years on my XXXX account asking them to contact me and tell me to be home because im going to be served papers to go to court. All in less than XXXX hours of making payment arrangements.. that I called to make! this is harassing and embarrassing.
The problems began more than a year ago when I asked for a loan modification. I could not afford the payments as they stood. The loan modification was completed and granted, however, the payments on the mortgage loan increased causing further delay in making the mortgage. I called the mortgage company once I received the loan modification and was given a contact person to discuss the loan modification. I called and left messages 5 times to no avail, and did not receive a return call. We are now in a short sale situation and again, I am having issues with this company. I have asked on seven separate times, either through email, or personal contact by phone, for a payoff statement amount and a short sale package as we have a buyer for the home. My last contact with them was XX/XX/2019 and XX/XX/19. Both times I was told that I would receive my requested information by the end of the day, and both days I did not receive the requested information. I have read many customer reviews relative to complaints to this company and find their treatment towards me is typical. Last night, XX/XX/2019, I again called the company at XXXX XXXX and asked to speak to the manager. After an extremely long wait I did speak to a manager and was informed that Loss Mitigation needed further documentation from me, however they did not address my numerous requests. They requested that I provide them with a listing of the property and the sales contract, which they did not request after I contacted them 7 times ago. But it appears to me that if I don't provide them with the documentation they have requested, they will not send me the information that I need, sort of blackmailing me. I can not provide them with a copy of the sales agreement until I have the information that I initially requested. I have contacted my realtor and am waiting for a response from them. May of the complaints I have read indicated that the company consistently requests further information in the form of documents, thus slowing down the process, and I feel this is happening to me.
I am in the PSLF program with XXXX and I requested that Navient revisit my loan payment of XX/XX/2012 as they report it as short. Sallie Mae took over my Direct Loans without my approval inXX/XX/2012. In XX/XX/2012 I received a bill for {$1200.00} that did not reflect my Income Based payment plan that I was on with Direct Loans. I called to have my bill recalculated based upon my income and I was eventually told my new payment would be {$390.00}. The representative also stated my first payment would be due on XX/XX/XXXX so I made my payment early on XX/XX/XXXX. The following month I received a bill for {$410.00} and paid it in full. The next month it dropped to {$400.00}. I have found out through XXXX that this payment does not count toward my 120 payments because the payment was not for the full amount. 
I can only assume the customer service representative only saw the payment for loan # XXXX and did not include Loan # XXXX. At the time I was not aware they were separate loans. I paid the amount she instructed me to. As you can verify from my payment history I have always made my loan payments in full and on time. I made my payment in good faith for the amount I was told was due. Obviously if the representative would have told me to pay an additional {$12.00} I would have done it. Unfortunately they did not provide a written statement reflecting the new amount due so I made my payment based upon their employees verbal statement of the amount due. I have submitted documents proving my case. Document 1 shows the original payment due of {$1200.00}. XXXX that did not reflect my correct IBR plan. Doc 2 clearly shows my payment of {$390.00}, no amount past due, and a XXXX payment due of {$390.00}. ( apparently this was an additional statement error that was then changed to {$410.00} ). Again I made my payment on time for the amount I was told. I should not be responsible for their billing errors. As I researched Navient online it appears this is a common practice.

I contacted Navient ( since they took over from Sallie Mae ) to try to get this issue corrected. They did not credit the payment as requested and I have included their summary as the last document. The bottom line is that I paid the amount that was requested by their agent, I paid it 2 weeks early, and when they billed me an additional amount ( above the statement amount ) the following month I paid that in full as well. Clearly I met my obligation for that to be a qualifying payment.I should not be punished for their employee 's mistake. As I am nearing the end of my PSLF program I am trying to ensure I have credit for all of my payments. With the uncertainty surrounding the program itself, every payment is crucial before the program ends so I really would appreciate your assistance in resolving this as soon as possible. I can be reached at ( XXXX ) XXXX or via email at XXXX. 
Thank you XXXX XXXX XXXX Acct # XXXX
I had an apartment lease in XXXX, Delaware. I broke the lease and was told it would be a 1 month penalty. I gave them my new address in Texas and asked to forward me an invoice for payment. I never received an invoice so payment was not made. Finally about 2 years later, I get bill for nearly {$2900.00} from a collection agency. Well, now at this point, the debt is over 7 years old from when the lease was signed and it should no longer be on my credit report. They keep verifying it as accurate, however it is older than 7 years and needs to be removed.
My mortgage loan, serviced by Franklin American Mortgage Company was SOLD to another mortgage company WITHOUT ANY NOTIFICATION to me. 
They sent me my bill due on XXXX XXXX, 2015, and I sent in a check at the end of XXXX as usual. On XXXX XXXX ( today ) I got a bill from another mortgage company, XXXX - just a bill with no notification of mortgage sale. That bill is now late. 
I got absolutely nothing from Franklin, and nothing from XXXX, until today, XXXX XXXX. I called Franklin to complain, they said XXXX letters were sent out on XXXX XXXX, XXXX and XXXX. I DID NOT receive ANY of these letters and the customer service person suggested I check if there was a problem with my mail? That sounds fishy to me. I receive all my mail, I open it all, and ESPECIALLY if mortgage-related because I 'm aware that a sale can happen at any time. 
Franklin needs to take responsibility for their failure to notify. This is unacceptable.
Ray Klein Inc., XXXX Professional Credit Service of XXXX, OR. sent a writ of garnishment to a company I do business with that has no connection to the debt they claim I owe. I believe it was in retaliation for a contentious call I had with a Ray Klein Inc. employee and was done deliberately and with the intent to embarrass me. I have copies of the writ that was sent to XXXX in XXXX Ohio. XXXX is not my bank, nor are they involved in this matter at all, nor have they ever been. Ray Klein Inc. just picked a name off of my personal credit report and sent a third ( uninvolved party ) embarrassing personal details about this dispute including my social security number. 
I am not even sure that the debt that they are harassing me about is even valid. I was never served for this judgement they claim to have, nor was I notified by mail certified or other, but it sure shows up on my credit report. I think this company has engaged in illegal collection practices and I want them penalized for it.
I was issued a credit due to me by XXXX the refund was sent to a closed XXXX cc account. Instead of returning the funds to the issuing company so that they could send me a check, XXXX XXXX sent the funds to a collection agency that they had sold the discharged debt to, PYOD. The debt sold to PYOD was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called P.Y.O.D has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down. 
XXXX sold the debt to POYD, who is managed by Resurgent Services and that they are all under the umbrella of Sherman Financial. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including XXXX and all of other company 's names included as I am not sure which ones are considered collection agencies! XXXX sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the XXXX account numbers and balances that they collected in XXXX of XXXX.
My Complaint is with Walmart credit card services. On XXXX XXXX, 2016 I was notified that my previous payment on or around the date of XXXX XXXX, 2016 was not processed and did not go through. On XXXX XXXX, 2016 I made another payment and was then assessed a late fee because of the last payment not going through. 

My payment on the XXXX of XXXX was made online while I was in training due to my job in the XXXX XXXX. I did not have sufficient service to ensure it went through. My complaint does not lie here as this was my fault regardless of the situation. 

My account was then frozen some time after the XXXX of XXXX and my account marked delinquent due to one missed payment. I have missed a payment before with banks such as XXXX and I simply paid my bill and penalties and all was good to go. Walmart credit card services froze my account and then raised my minimum payment from {$25.00} to {$84.00}. The {$84.00} payment was due on the XXXX of XXXX, 2016. I paid at XXXX XXXX Central Time on the XXXX of XXXX. Despite this and my payment stating it was processed online on the XXXX of XXXX. My account was tacked on with another late fee of {$35.00} dollars. I was told by a manger named XXXX in the Customer Service dept that despite when you make a payment, Walmart Automatically initiates a pre late fee, which is taken off the account once the next billing cycle is over. 

This type of banking practices has led to my account being taken hold for over {$160.00} dollars until the next billing cycle goes over. I was also told numerous times that the credit card dept. could not take the hold off my account and it was done easily today once transfered to the US serivce dept. 

I 'm also aware of my SCRA benefits as a service member and have had no issues with other banks when enacting my rights. With XXXX, I simply told them I was in the XXXX and that day my rights were enacted, my money refunded, and my interests rates lowered. With XXXX XXXX, I simply had to wait a week. With Walmart, they want a copy of my XXXX XXXX orders in the mail which I feel is not a proper way to send XXXX documentation. Still, I will send my XXXX but I do n't understand why XXXX companies did not require them and the one that decides to give me 6 hours of headache is the one that requires them. 

Payment Confirmation on XXXX/XXXX/16 of XXXX # XXXX
I Have a loan with Vouch Financial and have made 4 payments which all were made on time. Vouch Financial went out of business and now the have a the loan being serviced by XXXX XXXX XXXX XXXX XXXX. They did not want to give me the physical address of XXXX XXXX,
I recently reviewed my annual credit report and found that there are adverse remarks on my record. I have a charge off remark from the credit card Chase Slate. However, I profoundly disagree with such remarks. This reporting done on the behalf of chase is inaccurate and although I have reached out to them they have failed to resolve the issue.

On or around XX/XX/XXXXI decided to end my business with Chase as a result of the negative experiences I had with the bank. I switched over to my local credit union and when I ended my affiliation with them I could no longer access the online accounts which included my Chase Slate. As time progressed I expected to receive statements from the Chase credit card, but they never arrived. I never received any phone calls to attempt to collect my payment as many other cards do. It is important to note that my phone number has not changed in the past 15 years. Six months later on XX/XX/XXXX, I received a phone call in which I was notified that I was past due on the account and they were attempting to collect what I owed. The amount the person told me to pay was {$880.00} which I diligently paid as instructed. The person failed to inform me that I still owed {$370.00}. It is also important to note that I never received documentation that confirmed my payment to the debt. As a result of their failure to fully disclose any further information, the {$370.00} became the amount that has been charged off since XX/XX/XXXX without my knowledge or consent.

Had Chase been transparent with me and solely wanted to retrieve their money I would have paid the full amount as I did when I was instructed to pay the {$880.00} amount. I feel that the failure to inform me of my own account has resulted in a black mark on my record and has haunted my credit score for years. I reached out to Chase again in XX/XX/XXXX and threatened to seek legal action and it was until then that they agreed to remove the charge off and settle the debt. I again reached out to Chase a few days ago and was informed that it appeared that my debt had been sold to a debt collecting company, come to find out this was another LIE. After reviewing my bank statement for the month the debt was PAID, it shows the payment went to CHASE, chase E-pay to be exact is what it says on my statement. I am infuriated by the lack of professionalism Chase has demonstrated when trying to solve this problem, lies after lies. I am infuriated because this is absolutely not an accurate portrayal of my reliability and dependability to pay my debts in a timely manner. I feel I have been underhandedly placed in this situation due to my discontent with the problematic and fraudulent company that Chase is.
I was contacted by mail by law firms that will represent me in a lawsuit brought on by Portfolio Recovery Associates. I was n't aware of any lawsuit against me by Portfolio or anyone. I called Portfolio Recovery and they do n't have any records on me by searching my name or full ssn. The lawsuit claims I was in default XXXX. I called XXXX XXXX and they do n't have a record of me opening an account XX/XX/XXXX. They have no records of me at all. I researched the XXXX XXXX XXXX public records for a case against me. I found where Portfolio filed on me XX/XX/XXXX. I called the court house and they do n't have anything else but a case file. I was never served and the court does n't have any court dates scheduled for the future. I have court papers I got from the XXXX XXXX XXXX courts and the papers say unofficial. I also tried to contact the Attorney that Portfolio hired, but she never returned any calls. I found an article on XXXX XXXX about Portfolio stating the CFPB filed against them for pressuring consumers with false statements and churning out lawsuits using robo-signed court documents by the Consumer Financial Protection Bureau. I believe that is what happened to me. It 's a false judgment, neither company has any information on me. I feel harassed by them, spent a lot of time and effort trying to figure if this is a legitimate case and lost a lot of sleep.
Debt was settled in FULL with XXXX, and yet they continue to report open collections, even after I 've CMRRR mailed them the payment info
Submitted complaint XXXX. Company responded with letter to contact them. Phone number XXXX is non-existent number. Previously company gave me a number of an XXXX  XXXX hotline. Wells Fargo needs to be investigated as they are purposely depositing non-payable checks in violation of banking laws.
I am in the process of trying to Refinance my home. We noticed on our Credit Report that XXXX XXXX XXXX is reporting my mortgage information to the Credit Bureaus XXXX. 
The same loan number and delinquency dates except one has home listed as a Manufactured Home which is in error and the current listing is correct as a Single Family Home. The error was corrected by XXXX but Equifax and XXXX still show it as Mfg Home and as if I have XXXX mortgages, then all XXXX show it correctly. The XXXX listing on XXXX and Equifax is affecting my credit score and ability to Re Finance as it appears that I had XXXX Mortgages concurrently with same delinquency dates. The Re finance company stated that the Credit Bureaus could not resolve the issue without letter from XXXX, I contacted XXXX and they said it would take 30 business days to research it before they could give an answer or resolve it. This is unacceptable as it was their error to begin with. How come XXXX picked it up and is reporting it correctly along with XXXX and Equifax but XXXX and Equifax still report it in error? Seems XXXX and Credit Bureaus are just pointing fingers at each other. Note : The Credit Bureau report begins on page XXXX of the attached pdf file. Discard pages XXXX - XXXX please.
I received an email from Wells Fargo XX/XX/XXXX that asked me to activate my new credit card. 
I called and asked why I was getting a new card, when my card would not expire until XX/XX/XXXX. 
I was told my account was upgraded to a " XXXX '' credit card. 
I never received the new card. 
The new card has the same # as my present card. 
The new card could not be cancelled without cancelling my old card. 
I had to cancel my card, order a new one, and now have to change > XXXX auto-payments. 
I never asked for a new card. I never asked for an " upgrade ''. 
I was told by a Wells Fargo rep that I was sent information last year that I could opt out of the upgrade by XX/XX/XXXX. 
IT IS NEVER ACCEPTABLE TO CHANGE THE TERMS OF AN ACCOUNT LIKE THAT. ALL CHANGES NEED TO BE OPT IN. 
I was told by a customer service rep that there have been numerous complaints regarding opt out vs opt in, yet Wells Fargo has not changed their procedures.
Conformation # XXXX for payment XX/XX/XXXX for {$720.00} XXXX XXXX Account XXXX Letter of receipt for payment from Wells Fargo Bank Conf # XXXX dated XX/XX/XXXX with our Routing Number full XXXX and last four of our Acct # XXXX all Correct Documentation of Conversation with Supervisor XXXX XXXX Employee # XXXX from XX/XX/XXXX letting us know this was Wells Fargo Bank XXXX for not processing and would not effect our credit. This was NOT Returned from our Bank at all Conformation # XXXX for payment on XX/XX/XXXX for {$740.00} Letter of receipt Conf # XXXX from Wells Fargo with our Routing Number Full XXXX and Last Four of our Acct # XXXX all Correct Note from speaking with Representative saying Wells Fargo did not process This was NOT Returned from our Bank at all Would appreciate a letter that I can use to clear this off our credit report as this was a Wells Fargo Bank Error as told to us by your staff at the time on both occasions. We went through this process the first time with XXXX XXXX who outright told me he would not pass me to a supervisor and he would not correct it. this is wrong and harmful to consumers. We did not pay late and can prove it. Which is more than Wells Fargo can say! Who protects consumers? XXXX XXXX XXXX - act # XXXX XXXX
we filed a chapterXXXX, 5 years ago, which was discharged XXXX XXXX, 2015. Our mortgage was independent of the Chapter XXXX. For those 5 years we paid our mortgage on time and found out recently Chase Bank never listed those payments at the credit bureaus, thus, we have a bad credit rating. All our payments for the last five years are up to date. Somehow Chase listed our bankruptcy as at Chapter XXXX, which we were never in. Our attorney contacted them a couple of months ago stating this should not have happened, ( documentation attached ). He along with us has contacted the bank on numerous occasions to no avail. Also we did have a equity line which was written off in the chapter XXXX because we were under water in our mortgage. when we filed our income taxes they sent us XXXX coded as a F ( agreement ) instead of a A ( bankruptcy agreement ) which our lawyer said we should not have received because this was equity was discharged in the bankruptcy by the court ( documentation attached ) and Chase coded it wrong as if it were a Chapter XXXX instead of a chapter XXXX. All of our other bills have been cleared through the Chapter XXXX and correct on the all three credit bureaus except Chase Bank. Our interest rate has been high XXXX and we would like to get into the Harp program, but our credit is bad because of Chase making a mistake. Can you please help us. We have made our payments on time and may have been late when my spouse was on strike but all payments are presently up to date for the last five years. We need this corrected at all XXXX credit bureaus, so we can go forward with our lives.. Can you please help us to correct this situation, we purchased our house at XXXX now on worth only XXXX. Thanking you in advance for investigating this unnecessary and hurtful situation. XXXX bless.
Chase transferred my home mortgage to XXXX XXXX XXXX effective XXXX-XXXX-17. I made a payment, a checking account transfer which I did get a confirmation number from the phone agent. Well, I have not received a single piece of information from them, they wont even tell me my account number. Im in Chapter XXXX bankruptcy so the phone jockey said I have to get approval from my lawyer to give me account information. He has not heard from them either. I looked on the Consumer Affairs Complaints website and its filled with similar complaints and those complaints frighten me because they put good folks into foreclosure.