WillisBack/dataset-financial-user-claim huggingface dataset:
As a result of this error, I have 9 late individual marks against my credit score. They only sent one letter for the loan, not 9 notifications for each loan. At the time I was unemployed. If they are marking 9 late payments they should be required to send 9 separate notifications. They do not notify customers that they will have separate negative marks on credit if they do not pay the " one '' bill on time. 
The result of these 9 late marks on my credit have made it very difficult to qualify for housing, utilities, and access to credit. I am enrolled in auto payment and able to pay my loans. 

I was marked late for student loans while enrolled in XXXX. They refused to updated because they need a form from university, previously the university sent a form but since it is not official form, did not have enrollment status, it had the classes I was enrolled in for each semester. I offed to provide them the tax form from the Department of the Treasury ( Internal Revenue Service ) according the the university tells them I am enrolled at least part time for the year. I also offered to provide them my grades. 
Navient makes it extremely difficult for customers to get issue fixed. They email you a form to give to the university to send, but the email does not come for another hours. Then the university requires you to sign a form to let them fill out the form. 
It is a hardship because it requires me to have a printer, scanner and travel to the school to explain what they need to send. Navient offers no good will for people only trying to fix credit, they do not care about customers.
Ocwen Loan Servicing, LLC was the servicer on my mortgage loan. They self identify themselves as a debt collector. In New York State, the Statute of Limitation on collecting a mortgage loan on real property is six years from the last payment made. Ocwen knows, or should have known, that my last payment was made years before foreclosure papers were served on me, in XX/XX/XXXX, yet they continue their attempts to collect on the debt. I recently received a Mortgage Account Statement from them dated XX/XX/XXXX.
I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through Equifax, they even  have  XXXX  of my collections listed as " medical ''?? but they " verified it,    XXXX    '' and there was a " key derogatory '' that showed  XXXX  times in 2016 ev en though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping
Student loan provider only offered limited solutions to help me. Due to a medical issue Ive been out of work and unable to afford my payments, Navient representatives have made it seem like my only option was the amount that they requested and nothing less.
I applied credit card and rejected my application got the letter on XX/XX/2018. My application id is # XXXX. After contacting customer care they said they were not able to find credit history and asked me to send SSN fax. I did my SSN fax on XX/XX/2018 and confirmation number is # XXXX. Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX XXXX was added to your credit report. They rejected my application because i am staying in USA on XXXX XXXX XXXX, Credit report manager confirmed this on XX/XX/2018 evening around XXXX XXXX. Why they pulled my credit report again? What is the need of those many times doing hard inquiry? They didn't inform about that. Kindly do the needful.
Citi Bank A/C # XXXX XXXX XXXX XXXX I had tried Numurious time to resolved these late payments, but i failed they are reporting 30 days late payment on XX/XX/2016 which was never late.this effecting my life i am in contract for buying a house can't get a mortgage because of this incorrect late payment.
On XX/XX/2016 at approx. XXXX., {$64000.00} from our Real Estate IOLTA account at Wells Fargo Bank was to be wired into XXXX for a closing which took place on XX/XX/2016. XXXX XXXX was the banker who supposedly did the transfer. We have confirmation of Outgoing Wire Transfer Request and confirmation that the money was taken out of our account. Wells Fargo Bank never processed the wire transfer. On XX/XX/2016, I spoke with the banker, XXXX XXXX and bank manager of the XXXX, CT branch of Wells Fargo, XXXX XXXX, where the wire transfer transaction occured. He stated that it was their fault but could not offer any reason as to why the transfer never happened. This has long reaching ramifications for our law office, not to mention the fact that the Seller 's attorney can put a grievance against our firm due to the failure of Wells Fargo to process the wire transfer.
I notified XXXX, XXXX, and Equifax of unauthorized inquiries on my credit report. Since the creditors didn't have me authorization, written nor verbal. I ask the credit reporting agencies to immediately delete the inquires. I previously requested the creditors delete the inquires also, and was denied.
In XX/XX/XXXX, the company processing my federal student loans changed from ACS Education to Conduent to  now, XXXX. I've been trying to log in to ACS/Conduent 's website to retrieve my XXXX   information for the year XX/XX/XXXX ( student loan interest paid ). The website does not allow me to login and retrieve this info ( I get told I will be sent an email with a verification code to access my account, but these emails never arrive, not even to my spam folder ). When I call their customer service number, I am unable to retrieve this info either through their automated system, or even speaking with a live operator. I just get routed to a series automated messages with the final one hanging up on me.

XXXX   does not have this interest info accessible on their website ( presumably because my first payment to them was inXX/XX/XXXX ).

Please help, as I need that XXXX info for my taxes. Thanks! XXXX XXXX
1. On Friday, XX/XX/XXXX I used my Bank of America credit card to make a payment to XXXX XXXX Programs ( merchant ) in the amount of {$1200.00}. 
2. I am charged daily interest on this card for any purchases made over the amount of balance transfer. However, my agreement with Bank of America states that if I make a payment it will first be applied to any purchases that exist over my balance transfer amount. 
3. On Monday, XX/XX/XXXX I received a receipt/confirmation from the merchant XXXX XXXX XXXX that my credit card payment was complete. 
4. On Tuesday, XX/XX/XXXX I made a payment to my Bank of America card in the amount of {$1300.00}. 
5. Bank of America has a transaction date for the XXXX XXXX XXXX charge of XX/XX/XXXX,  however has a posting date for this transaction of XX/XX/XXXX, and therefore did not apply my {$1300.00} payment to the new purchase/transaction of {$1200.00}. The {$1300.00} payment was made after the transaction date of XX/XX/XXXX and therefore should have applied however wasn't. I am concerned that Bank of America has inappropriately ordered the transaction vs. posting vs. payment to cause me to have to pay a daily interest charge on the {$1200.00}.
In XX/XX/XXXX, I contacted Financial Control Services about accounts on my credit report. A trade line in the amount of {$840.00}, an account which was paid in XX/XX/XXXX through a settlement from an automobile accident, reflected as a collection account. This account was settled in XX/XX/XXXX by the attorney that handled my case. The trade line continues to reflect on my credit report, The company still has not removed the trade line from my credit report.. The line should be deleted from my credit report as this should have never been reported as a collection account. This has damaged my creditworthiness since XX/XX/XXXX. 

Additionally, this company also reflects other accounts I have no knowledge of. Therefore, on XXXX XXXX, XXXX, I mailed a letter to them requesting verification and/or proof of debts showing on my credit reports as being owed by me. To date, they have refused to provide me with proof and the company has refused to delete the trade lines.
Hi my name is XXXX XXXX I am contacting you because once again XX/XX/2018 XXXX  credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.
XXXX/XXXX/2017 -- I tried making my payment of {$610.00} and found out that they had a new process of adding fees to payments such as One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} My payment with my previous lender was on the XXXX of the month because I am on social security and only get paid the XXXX  Wednesday of the month. When the mortgage was sold to this lender my first payment was last month and I paid {$610.00} on XXXX/XXXX/2017 without penalty and I also talked to representative at that time and he stated that I had 15 days to pay without penalty. They are not calling this a late fee but it really is. They changed my payment date and are charging for being late -- I believe as a XXXX Veteran on Social Security they are scamming me. The name of the company is Loancare in XXXX XXXX, VA XXXX -- watch out for these crooks.
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Indiana XXXX XXXX
The account below the company stated that I failed to pay. I have attached proof that I have made payments to the account as agreed to by the bank. I have been trying to work with bank to settle debt. 


XXXX XXXX XXXX  XXXX {$27000.00} Installment Negative XX/XX/XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving NegativeXX/XX/XXXX
I had cancelled XXXX phone line XXXX years ago, but kept the line for my daughter to use XXXX. We cancelled this line after paying in full at the beginning of this year. I 've endured numerous phone calls from XXXX XXXX since. I 've been told the XXXX number was on hold due to my being XXXX but had recently been re-activated ( I never have been in the military and never told them this ), and I 've been told I owe everything from {$100.00} to {$16.00} to {$47.00} ; sometimes their reps were rude and aggressive. Every time I called them, I had to wait on hold, sometimes for over an hour, to speak to a service rep. and each time I called I got a different story and a different payment amount. Each time I called, I requested and was promised documentation of the call. Sometimes I requested and was promised an email which of course never arrived despite repeated follow-up calls on my part. XXXX XXXX just kept sending me bills in different amounts as if I 'd never called. Now it appears that XXXX XXXX has engaged the services of Chase Receivables, a XXXX XXXX XXXX in XXXX, CA who have written with a demand for payment. I sent them a request for documentation and received no response. I then sent them a formal dispute of this charge and wish to ensure that my credit rating is not affected negatively. I cancelled my accounts and paid in full, only to have XXXX XXXX continue to attempt collection in various amounts over the course of over 4 months. I simply do not owe them this money and they 're just hounding me until I give up and send them a payment to make them go away. Disgusting way to treat a customer.
I have a Chase Credit card. I took advantage of a promotional offer to have 0 % interest for a year. That worked fine. My minimum payment went toward paying down my balance. When my promotional period ended, I took another amount w/0 % interest for a year. Now, a portion of my balance is charging interest, and a portion of my balance has 0 % interest. They add the interest based on the higher balance to that higher balance every month since my promotional period has ended. That makes sense. But, now when I am making my minimum payment, they are not crediting any of my payment toward the balance bearing the higher interest. Therefore, no part of my payment is being applied to the interest that I was charged. They are crediting the entire minimum payment to the balance w/no interest. This is causing my other balance to increase by the amount of interest charged each month, plus I am now getting charged interest on the interest that has been added each month. I have not been allowed to have any part of my payment applied toward the monthly interest charge! I thought new rules existed that prevented credit card companies from crediting your entire payment to a balance with lower interest. Apparently Chase has found some loophole where if your lower interest portion is from a promotional 0 % offer, then they only have to apply an amount over the minimum payment to the higher interest balance. If all I had was the XXXX balance that is in the promotion, my minimum payment would be less then what it is for the entire ~ {$4000.00} balance on the account at this time. I know this, because I only had XXXX minimum payment when I had ~ {$3000.00} promotional balance. I do n't understand why they would be allowed now to apply ~ {$75.00} minimum payment entirely to a promotional balance of XXXX {$1000.00}. You would think that they could only apply the minimum payment proportionately to the balances. For example, Minimum payment = {$75.00}, where {$19.00} is applied to the XXXX balance and {$56.00} is applied to the XXXX. Then, any extra amount paid over the minimum would go to the higher balance. Is it really true that they ONLY have to apply the amount OVER the minimum payment to the balance with higher interest? If this is allowed, it should n't be. Cunsumer beware of taking a subsequent promotional offer before your first one is paid for!!
A XXXX XXXX called with the following message onXX/XX/XXXX17 and I called back and said do not call my number XXXX XXXX XXXX again Voice Mail to Text : This is XXXX XXXX. We have made several attempts to reach you in regards to a complaint filed in our office against you both verbal and written with no response. Please be advised you are at risk for further action. We need you to contact our office immediately. If we do not hear from you by the end of today 's business. Our client will have no other choice but to seek other remedies to protect their best interest to contact us at XXXX ext. XXXX or press one to be connected.
EXPERIAN HAS VIOLATED THE FAIR CREDIT PROTECTION ACT. 

THEY PREVIOUSLY DELETED A TRADE LINE BY " XXXX '' IN MINNESOTA WITH STATUS OF " UNKNOWN ''. THEY DELETED THIS TRADE-IN ON XXXX AS I HAVE MANY MONTHLY CREDIT REPORTS DIRECTLY FROM THEM FROM XXXX TO XXXX XXXX. OUT OF THE BLUE, WITHOUT ANY NOTIFICATION, THIS TRADE LINE IS SHOWING UP ON MY CREDIT REPORT AND IN DIRECT VIOLATION OF THE ACT. 

I SUGGEST THEIR COMPLIANCE DEPT ALONG WITH THEIR LEGAL DEPARTMENT CAREFULLY REVIEW MY CREDIT REPORT, DAY BY DAY SINCE XXXX SO THEY CAN FIND WHERE THEY VIOLATED THE ACT WHICH IS A CAUSE FOR MONETARY PENALTIES AWARDED TO ME IN ADDITION TO CAUSING MY FINANCIAL HARM. 

THEY NEED TO REVIEW THEIR FILES AND IMMEDIATELY DELETE THIS TRADELINE.
I paid my collection to XXXX XXXX for the amount of {$180.00} and they told that already udpdate my credit to all the credit bureaus XXXX, XXXX, TUC but all XXXX agencies they still show in collection not paid.
THIS COMPANY IS STATING THAT I HAVE A BALANCE IN WHICH I RECIEVED A LETTER FROM XXXX STATING THAT MY BALANCE HAS BEEN PAID AND XXXX HAS RECIVNED MY BLANACE OWED THAT WAS NOT EVEN THAT {$100.00} BALANCE THAT THIS COMPANY STATED. I CALLED XXXX AND THEY STATE THAT THIS WAS NOT MY BALANCE {$100.00} THAT WAS OWED.
Everytime I use the macy 's credit card and then pay the amount on the bill to pay it off I get another bill for more money. My bill now says {$2.00}. This has happened about 3 times before. I charge something get a bill pay the entire amount and then get another bill for {$2.00}. It 's like you can not pay off the bill. Not sure what they are charging.
This is not my debt. I have reported it to XXXX and XXXX and they will not remove it. THIS WAS LISTED ON MY REPORT IN THE PAST FEW YEARS WITH A DIFFERENT COLLECTION COMPANY AND A DIFFERENT HOME ADDRESS. I HAVE NEVER HAD A DEBT WITH XXXX. This is fraudulent. I have never been contacted by XXXX OR THIS COMPANY. I did not request or use any services from this provider. I have no idea why this is on my report. EVERY FEW YEARS IT APPEARS AGAIN, I COMPLAIN FOR MONTHS TO EVERY AGENCY WRITE NUMEROUS LETTERS ; THEN IT GOES AWAY FOR A FEW MONTHS AND COMES BACK AGAIN WITH ANOTHER COLLECTION COMPANY. I want this permanently removed.This is creating damage to my good name. PLEASE REMOVE IT AND CHARGE THIS COMPANY ACCORDINGLY I do not use XXXX services now and I have never had this serviceThe bill list the service started XX/XX/XXXX. I have no knowledge and I have never used it. 
SOUTHWEST CREDIT SYSTEMSAddress:XXXX , TX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXXTAddress Identification Number:XXXXStatus : Collection account. {$150.00} past due as of XX/XX/XXXX. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX. 
Date Opened:XXXX/XXXXReported Since:XXXX/XXXXDate of Status:XXXX/XXXXLast Reported:XXXX/XXXX Type : CollectionTerms:XXXX MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : {$0.00}
Agency : ERC is not a bonded agent in the state of Florida. 

Original lender : XXXX XXXX XXXX XXXX Amount : {$130.00} XXXX  acct : XXXX XXXX acct : XXXX Placed for collections XX/XX/2016 I  have attempted multiple calls to this company informing them that this debt does not belong to me. There response is to send me collection letters. Furthermore. I receive daily robo calls from this company, at least 7 per day. I have been at my current address for greater than 5 years and have and at no time in the past have I had an account with att and wireless.
Merchants Credit Association is reporting a collection account in my credit report that 's not complaint with the CRA 's XXXX reporting requirements.
There are several collection accounts showing on one of my credit reports that were not validated and/or have no contract.
A fraud restriction was placed on the XXXX  XXXX account. Account holder and authorized user submitted all documents along with a bank I.D . Verification. Which was validated but unacceptable. Fraud restriction still in place and reported to bureaus as open 30days late even and no fraud statement or even account may be fraudulent. Primary holder never received credit card statement or balance ever. The Balance was paid in full and still reporting {$1400.00} with late payment status. XXXX was notified to note that no access to statement and pay information could result in negative outcomes
A this will be told many times in the past and as AMEX stated to me the other day WIth one of your representatives on XX/XX/2018 and the representative stated that they acknowledge that AMEX apologizes for the situation and that there is flaws in the system and loop holes that these perpetrators are using, however what was not stated that with the third party verification that XXXX XXXX did not properly screen the perpetrator and should have done this off-line which would have prevented further losses. Therefore AMEX should have insisted to XXXX XXXX  to perform a better screen rather than using my good credit to allow the payment to be paid on my credit and my good credit alone. 

This is shameful and will be brought out if necessary. I dont think that AMEX want to show in the media that a person of high wealth can be exposed to this type of scam and because of their net worth they allow this to go through without insisting upon better verification from XXXX XXXX  etc. AMEX Should have protected me and my company which they failed to.. They should have had their Customer Service Representative when screening the client call them off-line and AMEX should have insisted on that. OR send them a text etc like any other bank performs.. This will be shown as both banks failed to do proper verification procedures and therefore this would not have escalated to this point.. IF for any reason this is not resolved in my favor there will be damages brought against AMEX And the other banks and expose this to the media which Again I am not looking to do. You freeze my account and give me a STAY. IF this proceeds further I will do whatever I have to to rectify this and let the media and my constituents know what is the flaws in the banking system so people who cant afford an attorney since you have failed their personal safety and have used these people to hurt them. I will stand up to these people and do what is morally and ethically correct to fix your flaw and loop holes and let the public know this. It is the banks that are allowing this to happen and hurt individuals like myself due to your lack of concern, your hiring practices, your work force being overseas, or whatever but this will all be exposed and you will ultimately affect your business as you have impacted mine and my life and have probably caused my father to have a XXXX  XXXX XXXX and die since we discussed this 4 hours prior to his death and his XXXX  will tell you he was shocked that he died this way.. 

In addition on the above date by your representative again never followed up with you claiming someone did a verbal order to transfer monies for the XXXX. No one ever called back to investigate this and let me know that it was not me. Again, another liability for AMEX and another coverup ... 

XXXX XXXX office and herself are fully aware of this but you dont want to take action nor responsibility.. I am recommending you fix your issues and XXXX out my balance and restore my XXXX in points and XXXX in Delta Sky miles. Anything else will be not satisfactory
I live in Ohio and took a loan from Westernsky financial for XXXX at {$290.00} FOR 47 MONTHS in XX/XX/XXXX.They turned the loan over to Cash Call immediatly, After a few months I could n't make the payment, i ask for smaller payment, they refused. I stopped making payments due to medical bills. I retired on social security XXXX. Now XXXX debt collectors are harrassing family and friends for info on locating me. They have my address I wish for them to stop harrassment.They threaten me with lawsuits, and hastily I agreed to make payments of {$290.00} a month for 10 months starting in XX/XX/XXXX. I gave them my social security debit card, but had social security send me a new card so they could n't take out payment.
THE ECONOMIC TURN DOWN DROPPED OUR PROPERTYS VALUE BY OVER XXXX %. WE ARE UPSIDE DOWN. OUR LOAN WAS BOOK AT XXXX % AS A XXXX DUE TO OUR FINANCIAL STRENGTH. WE HAVE NEVER PAID ANYONE LATE, NEVER. BB & T HAS BEEN CONTACTED SEVERAL TIMES ASKING FOR A LOAN MODIFICATION. WE DO NOT QUALIFY AS WE PAY ON TIME. BB & T WAS ASKED WHAT PROGRAM THEY HAD TO HELP PEOPLE IN OUR POSITION XXXX YEARS AGO. WE WERE TOLD SOMETHING WAS IN THE WORKS BUT NO PROGRAM HAS BEEN ANNOUNCED. A SECOND MORTGAGE COMPLICATES THE ISSUE AS XXXX WILL ONLY SUBORDINATE IF THE NUMBERS WORK AND OURS DO NOT.
SLS, debt collector, obtained mortgage after default, sold my property on XXXX XXXX, and denied my loan modification XXXX XXXX, XXXX 2015 in the name of the trustee who could not receive transfer of the mortgage due to default of said mortgage, SLS filed foreclosure complaint without any default judgment or judicial process.