WillisBack/dataset-financial-user-claim huggingface dataset:
The status of the payment history on my Mortgage account is incorrect. 
Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX XXXX XXXX XXXX. Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early XXXX XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time.
I applied to Wells Fargo Home Mortgage for assistance on my loan XX/XX/XXXX. At the time, I was 60 days past due. I requested a deed in lieu of foreclosure. Every 30 days or so they request, in writing, additional documentation. I provide the documentation and request receipt confirmation by a phone call. 
I had until XX/XX/XXXX to submit the most recent information. I provided the information by fax on XX/XX/XXXX and placed it in the mail ( " snail mail '' ) on roughly the same day, give or take two days. 
Since XX/XX/XXXX, I have placed three phone calls to my " Home Preservation Specialist '' and her supervisor requesting a return call. It is now XX/XX/XXXX and Wells Fargo has not called. 
The Home Preservation Specialist is now XXXX XXXX ; between the months of XX/XX/XXXX and XX/XX/XXXX, it was XXXX XXXX. XXXX XXXX is XXXX 's supervisor. 
The outgoing voicemail message for XXXX XXXX on XX/XX/XXXX stated, " Today is XX/XX/XXXX. If you are calling between the hours of XXXX and XXXX Eastern Standard Time, you may press XXXX to be connected to the next available Home Preservation Specialist ''. When I pressed XXXX, I was informed by a robo-operator " no operator defined '' and re-routed to XXXX XXXX 's outgoing message. 
XX/XX/XXXX, I reported to XXXX XXXX I had consulted with an attorney regarding debt negotiation. I also requested a copy of all correspondence from Wells Fargo related to my request for assistance dating back to it 's conception in XX/XX/XXXX. She agreed to send it. I have yet to receive said correspondence and since that time I have not been able to speak with anyone.
This complaint is regarding my South West Rapid Rewards card ending in XXXX. In or around XXXX of 2014, I gave XXXX verbal authorization over the phone to charge a down payment of {$100.00} dollars to my credit card for a down payment on a car a friend was purchasing. XXXX XXXX proceeded to charge my card {$1000.00} dollars which i disputed with Chase next billing cycle. Chase issued me a credit and started the investigation. Chase then reversed the credit of {$900.00} and charged me {$900.00} dollars for a payment I never made nor can the vendor show any proof I authorized any charge that I gave them permission to charge my card anymore than {$100.00}. Chase has failed to protect me as their customer and I will also be reporting this to The Consumer Protection Agency.
CBNA did a credit check on my credit on XXXX/XXXX/16. I did not authorize this credit check. I have not sought a loan or any other type of financial services. I am uncertain why this company did a credit check and it was not authorized. Through research I found that CBNA is a credit card company. Citi Bank North America. I have a credit card with citi bank but have had the card for 10+ years and did not seek a new card. I did not authorize either directly or by proxy any credit check by anyone for the past year.
NetspendXXXX XXXXMy card was hacked a year ago during a breach with XXXX XXXX. Netspend notified me and sent me a new card and my old card was supposed to be cancelled. I noticed on two different occasions that the card was still active so I called customer service and attempted to speak to the customer service. I say attempt because the only english they seem to speak is what is written on their script but they assured me the card would be cancelled. Well here we are a year later and the card that was supposedly cancelled got used in XXXX about 7 times within 15 min and took {$600.00}. I immediately called when I got the text alerts ( the charges started at XXXX and I called at XXXX same day ) and told them not to approve the transactions which were still pending. Again the lack of understanding english was a huge barrier and three different customer service reps told me different things. I finally got someone from corporate to call me back three days later and she stated since this was clearly their fault my money would be credited by the end of business. Here we are and no money. I am unable to talk to the corporate office again they told me they cant transfer me, my money is no longer pending but paid to the company in XXXX, and now they are telling me it can take up to 60 days to see my money because it was posted I had to file a written dispute that must be investigated. They admitted to me that this card was part of the security breach and should have been cancelled but there was nothing they can do to help me and they refuse to transfer me to corporate again. This is outrageous, never have I had such difficulty when a company clearly dropped the ball. Now my mortgage is going to be late and I have no idea when I will see my money. They refuse to allow me to speak to an American or give me the corporate number. Total I have spent over 5 hours on the phone and all I get is some foreigner reading off a script. They will not give me their names either when I speak to them! I am wondering if I should contact an attorney.
I was part of the accounts impacted by the Equifax Security Breach that was announced the week of X/X/17. As a result of this, I had to put a fraud alert on my account, check my credit report ( which i only get 1 free copy of this year ) and had to take other active measures ( possibly even pay for credit monitoring ) as a result of the security breach.
On XXXX XXXX, 2015 I paid my Mortgage in full. I followed all of the banks processes and procedures to satisfy this loan. Since that time, I have been waiting for the final documentation from this bank showing that the loan has been paid in full and the lien has been removed from my deed. I have made a number of calls to their customer service department and have been told, both by phone and by letter, I would be receiving the documentation soon. My most recent call was made on XXXX XXXX, 2015 where I was advised that the issue is being escalated and I would be contacted within a week to advise me of the status. I have not. I want all the final documentation showing the Morgage has been satisfied and a copy of my deed showing the lien has been satisfied.
9 months after closing my loan I get a XXXX package. They need me to re do my loan, because them and FHA do n't agree on the appraisal and FHA wo n't finalize the XXXX, so they can resell it to a XXXX party. They expect my payment to go up, me to pay additional closing costs, and for me to get no credit for the last 9 months of payments. I get no phone call, no letter, just a package in the mail and no instructions.
I received a letter ( Transmittal ) on XX/XX/2018, addressed to me ( XXXX yo ) from Transworld Systems Inc Collection Agency reporting unpaid balance of {$110.00} for services from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL. I have never received any products, services or procedures from XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/2018 but there is no date associated with the supposed account for me. I have tried to contact both XXXX XXXX XXXX XXXX XXXX ( message machine prompt to please hold, an agent will be with you shortly but 15 minutes later still nothing ) and Transworld Systems Inc ( message prompted me to leave a message but the message machine was full and not able to take any new messages ). I generated a complaint on the XXXX site and reviewed other postings online for tactics and problems with Transworld Systems Inc Collection Agency. Then, I went to FTC.gov and was directed to the CFPB.
I received a mail-in offer from Citi Bank promising a {$300.00} cash bonus if I opened a Citi Priority Checking Account. The qualifying activities required to receive the bonus were ( 1 ) make {$750.00} worth of purchases on the debit card, and ( 2 ) make 1 or more bill payments for 2 consecutive calendar months. I completed these activities and I have not received the cash bonus.
Attempts to resolve this issue with Citi Bank customer support : XX/XX/XXXX Spoke with XXXX + Supervisor @ XXXX Details : During the call XXXX XXXX filed an investigation, they also directed me to mail a letter to their HQ at XXXX XXXX XXXX , XXXX XXXX TX . Later I received a letter stating that the claim was denied. 

XX/XX/XXXX Spoke with XXXX Confirmation # : XXXX Details : During the call a second investigation was filed. Later I received a letter stating that the claim was denied because the offer was not attached to my account. 

XX/XX/XXXX Spoke XXXX Confirmation # : XXXX Details : No further resources left, claim is still denied. No payout of the promised {$300.00} cash bonus.
I just recently learned about the program initiated by President Obama in XX/XX/XXXX trying to rectify unfair mortgage practices against XXXX members and veterans beginning during the XXXX recession. After retiring from the XXXX XXXX in XXXX, I was employed here in Ohio until XXXX XXXX. Eventually, I/we were foreclosed upon by Countrywide Lending after attempting everything legal that I was aware of having available. This wound up costing us & gt ; {$43000.00} in equity alone. All I ever received from the XXXX settlements were XXXX checks totaling less than {$800.00}. If the program talked about in this news article is still functioning, how do I go about having my case submitted to, and reviewed by the appropriate people? XXXXXXXXThank you in advance for your time and assistance. 

Respectfully,
On XX/XX/2018 I went to PNC bank Branch in XXXX, GA where i do most my banking to make an international wire transfer to XXXX for the amount of {$12000.00}. 
On XX/XX/2018 I saw a suspicious deposit in my account for {$11000.00}. Couple of days after that i went to the bank and shared my concerned about the Transaction.In my disbelief I was told the transaction is reversed International wire in my account from XXXX. So when i questioned the the dollar amount being {$830.00} less than original {$12000.00} I was told that the bank has to do an internal investigation and they will notify with the outcome.After few days i went bank to the Bank and they said they have not done anything wrong and the XXXX bank is charging me a exchange rate and return fee. I demanded to talk to the branch manager but he referred me to Mr XXXX which happens to be the regional manager.After speaking to him on XXXX XX/XX/2018 .he assured me to find out what the fees were and see if he can find a solution to solve the problem.i was out of country till XXXX of XX/XX/2018. Went to the bank on XXXX and i was told that there is nothing can be done. I asked for the breakdown of the of the numbers on Reversed International wire back in my account but they could not come up with the copy of the breakdown. I am so upset with lack of consumer protection in a my case. 
I feel like the banks ripping public off without any accountability on their behalf. all i want is my money nothing more nothing less. 


XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
While viewing my credit report I have a few hard inquires from when I applied for a mortgage starting in XX/XX/XXXX. I thought applying for a mortgage within a few months was counted as only one hard inquiry. 

XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XX/XX/XXXX All XXXX of these hard inquiries are for a mortgage I closed on XX/XX/XXXX with XXXX XXXX These hard inquires appear on all reporting agencies on my and my wife 's credit reports Thank you
I have spoken with both XXXX ( where the alleged debt came about supposedly starting in spring 2014 ) and Enhanced Recovery Company and XXXX say I do not have a debt with them, nor can they find an account in their system, yet they continue to keep a debt in collections on my credit report after repeated requests to remove it ( and assurances that it would be done ). 

When speaking with XXXX, they are adamant that I have no account with an outstanding balance nor have I ever. My husband has the cellphone bill in his name ... .with a completely different company. 

When I called Enhanced Recovery Company the representative searched and could find no record of an account for me, yet they refuse to remove this fraudulent and completely false record from my credit report.
There is a negative mark on my credit report which is untrue and needs to be removed. I 've contacted the company several times via postal mail but have, to date, received no response. This debt was satisfied via having my wages garnished.
I lost my bank card, and someone deposited XXXX stolen checks into the account in one day totaling more than 5000 dollars, then took out as much as they could before the card was put on hold ( around 1400 dollars ). The bank did a fraud check and found no fraud was committed. I went to the bank and asked what their decision was based on, and they said that it was because nobody else had my pin, I ask them for copies of the checks that were deposited and XXXX of them where not endoresd and the one that was, was no where near my signature. So i asked them to check the film and see who made these transactions, so they asked me to send them my florida photo id, which i did, then they made the same determination as before without looking at the film ... .someone stole my card and did this without any acknowledgement from me, and now they are saying that I owe them over 1400 dollars.
In XX/XX/2017 I was sent to XXXX XXXX XXXX XXXX XXXX due to an XXXX of XXXX. I was completely XXXX and the hospital made me sign documents that I didn't have any capacity at the time to understand. Being a XXXX XXXX I wasn't aware of how medical debt was distributed and recently found that my unpaid debt was sent to a collector, XXXX. I talked to them and they were unable to settle the debt for me and demanded immediate cash payment within 90 days in the amount of {$490.00}. For the past year I have been making payments to XXXX   XXXX XXXX in the amount of {$300.00} in total so far for the ambulance. XXXX has ruined my prestine credit score over a debt i wasnt even aware of. Is it illegal to make someone without capacity sign documents for a service that i didnt voluntary take nor was life threatening?
I am summiting this complaint for the reason that Freedom Mortgage has not giving me a decision. I summited an appeal since XX/XX/2016 and I have called many times Freedom Mortgage for an update and they just keep telling me that they are waiting on a ( Tittle search ). I am afraid I wo n't be provided a government modification do to them prolonging my case. I had to challenge them with my appeal because they were not using all my income and also the expenses they had were wrong. I am in desperate need of assistance, I need to know what Freedom Mortgage intentions are, if they are really helping me so I can keep my house with an affordable mortgage payment. Due to my house is severely under water. Or if they are purposely prolonging my case because at the end of this year all government modifications will be over.
This letter is to inform you that Experian, XXXX and XXXX have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX * XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX * XXXX * XXXX XXXX Thank you, XXXX XXXX
They left a message on a voicemail that clearly states many people use it. They left my full name & said they were attempting to collect a debt. I have no idea how many people heard this message, but XXXX of my friends have now told me about it. This is a Google voice mailbox and they have saved the recording in case it is needed later.
I requested a block on some reports based on identity theft, request was denied. i never received or gained any goods or services as a result of the credit. 
I dispute these items on my credit report by the reporting agencies and request they be removed because i have reported an identity theft case.
I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX. I am the sole creator and owner of the monetary instrument Promissory Note used for the referenced property and account. I asked Select Portfolio Servicing, Inc. to return my property to me and they refused to do so.
I made a promotional purchase through XXXX XXXX with an XXXX  XXXX credit card in XX/XX/XXXX. I was suppose to have until XX/XX/XXXX to pay off the promotional purchase without paying any interest. I had made several prior promotional purchases and several after that date. After I made the purchase ( I believe it was in XXXX ), XXXX XXXX closed out their credit card department and I received a letter that the account had been moved to Synchrony Bank and they would issue me a new card but all of the terms and conditions of my purchases with XXXX  XXXX would remain the same. I continued to make over payments on my account every month from XX/XX/XXXX to XX/XX/XXXX so all of my promotional purchases would be paid off in advance to avoid interest charge. When Synchrony Bank took over my account, they failed to apply my overpayments correctly. They applied them to the newest purchases instead of the oldest purchases. When I noticed what they were doing, I called and they said they would go back and properly apply my payments. Then I was told that my promotional payment ended in XX/XX/XXXX instead of XX/XX/XXXX. In XXXX, they charged my account with {$1600.00} interest charge because they said I failed to pay off my promotional purchase in time. When I called to talk to them about it, they opened up a complaint and said that I had failed to provide them with documentation to dispute the purchase in XXXX. I never disputed the purchase, only the interest because I paid it off prior to the expiration date. When I explained this to them, they told me the interest was not a disputable charge and I owed them the money.
I sent a wire deposite to my coinbase account a while back. My wire transfer was " scheduled to arrive '' XX/XX/XXXX. It is now XX/XX/XXXX. The wire is pending and has not been credited to my account for trading. Funds have been pulled from my bank and show up as completed as they have arrive at coinbases metropolitan bank. All that is left is for the pending wire to be verified and credited to my account. Support has been slacking and these funds need to be worked out. My wire is still pending and all legal names between my Coinbase account and my Bank account are 100 % matched. The date of predicted arrival in my account was XX/XX/XXXX. As of today, the funds are still " pending '' and not available for trading or transfer. 
Here are my transaction details : Sent : XX/XX/XXXX Amount : {$5200.00} Name of Sending Bank : XXXX XXXX Funds were sent from personal name : XXXX XXXX
I have requested for my negatives account to be removed I was A victim of fraud years ago. Equifax wont help you at all they dont even listen to you they have putting stuff on my credit that are not even mine. Please I need this issue to be resolve I am trying to get a house and all this inquiry that are on my credit is affecting me very bad!
My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXX with reference #XXXX The second one has a filing date ofXX/XX/XXXX with reference #XXXX
I asked for validation of the account and they did not provide information to verify that account was mine. They only updated my report to say that account was valid with no proof of such claims. Account does not apply to me as I never attended said school.
I borrowed XXXX dollars. Website said click here, funds in account next day. It said click to continue. I did. Then i called and asked about how many payments i must make. I was told XXXX for 5 payments. I said ok and clicked on button to agree. I made 5 payments and called them. They said i must make 20 payments all together and only XXXX dollars from the XXXX went to my principal. This is almost 100 percent interest which is illegal in new jersey