WillisBack/dataset-financial-user-claim huggingface dataset:
Automotive Credit Corp.is maliciously reporting to all XXXX credit bureaus : XXXX, XXXX, and XXXX.Incorrectly wth regards to my status on account XXXX.I have 2 accounts with Automotive Credit Corp.One of which was closed due to refinancing.That is account XXXX.I 'm disputing there error of not acknowledging my last three payments in XX/XX/XXXX, and XX/XX/XXXX.Made on account XXXX PRIOR to Automotive Credit Corp.closing my account due to refinancing.Automotive Credit Corp in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XX/XX/XXXX.I went on XXXX credit reporting site as well.Submitted as proof that Automotive Credit Corp.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XX/XX/XXXX.That was my contractual obligation.To Automotive Credit Corp.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to Automotive Cedit in XX/XX/XXXX, and a {$100.00} payment made to Automotive Credit Corp inXX/XX/XXXX.Both payments were made on account XXXX 'm asking that Automotive Credit be held liable for accepting payment in the months of XXXX, and XX/XX/XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my XXXX credit report.Automotive Credit Corp.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.
I attended a college in XXXX, XXXX in XXXX, Florida where I attempted a certificate in XXXX. The school was closed by either the Feds or Florida because of its unscrupulousness with students. As a result i am currently paying back my federal student loans, but i have been recently hounded by a private company requesting to pay XXXX dollar private loan that was taken out by XXXX enterprise in my name. I did not sign a promissory note about the private loan. and it was be foolish to take out a private loan when I am afforded opportunities to pay for my education with subsidize and unsubsidized student loans. I would like the harassment to stop. Additionally, the company can not provide me with any information regarding the loan and neither can they tell what my rights and responsibilities as laid by the law with loan collection. Please address immediately. Thank you
I was a co-signer of my son student loan which was originally with XXXX XXXX issued on XX/XX/2008. My son defaulted on his loan several years ago. Wells Fargo discharged the debt after 8 years and issued separate XXXX to my son and me for the same amount. My original involvement with this loan was a co-signer and acted only as a surety on the loan. My son received the benefit for receiving the loan. Based on Treasury Regulation section 1.6050P-1 ( 7 ) Guarantors and sureties, solely for purposes of the reporting requirements of this section, is not a debtor. Thus, in the case of guaranteed indebtedness, reporting under this section is not required whether or not there has been a default and demand for payment made upon the guarantor. As a person who sole purpose was to act as a surety or guaranteed of my son 's loan - my credit rating was used to help him acquire that loan, a XXXX should not have been issued against me. I gain no financial benefit on this loan. Wells Fargo, which acquired this loan after XXXX XXXX, falsely reported this to the IRS against treasury regulation and falsely implies that my income benefited from this loan. Again I was only a co-signer not a co-applicant or joint owner of this loan. I called Wells Fargo Executive office concerning this issue and they refused to correct the matter even after I stated the regulation to them.
I closed my account XXXX. They contacted me in a letter saying that I owed more than what I thought I owed due to a machine that they said that they sent me that I never received when I attempted to close the account and pay the money that I 'm supposed to pay I was told that I can not pay that off at this time until they figure out what happened to the machine. They also told me that not to worry about it being in collections because we 're not going to allow it to happen, two days later it was at collections and I was being told that I owed not only the money that they XXXX said, but another {$200.00} added from the collection agency. I called XXXX six or seven times trying to get this fixed and get it back to them and they promised me that they were going to take care of it which they never did meanwhile the new collection agency hounded me for 3 to 4 weeks calling me almost 5 to 6 times a day I again explained to them that the mistake of XXXX and they really did n't care to hear about it all they wanted me to do is pay off their collection fee and the longer it takes more money i will owe them. I again told XXXX that I 'm not going to pay {$900.00} when I only owe them XXXX bucks I did not hear anything back from anyone until I read that this now on my credit report. I have no problem paying the amount of money I owe to XXXX I never attempted to not pay my bill they 're the ones that stop me please do whatever you can to take care of this thank you
XXXX keeps adding balances to my loan account. This is adversely affecting my credit score. I am currently in the process of financing and their frequent updates are detrimental to this process. XXXX  did not have my correct contact information and I was not notified when my loan was taken out of forbearance. 

I took out the loan in XX/XX/XXXX with XXXX XXXX for the amount of {$23000.00}, the school I attended was XXXX XXXX University in XXXX Georgia. XXXX refunded XXXX XXXX XXXX the amount of {$7700.00} on the date of XX/XX/XXXX. Then reducing my balance due to {$15000.00}. XXXX failed to provide me with the paper work showing my reduced loan balance that was due. XXXX failed to provide me with the paper work with my updated reduced interested rate, and they failed to update my account online ( XXXX ) reflecting this change to my account, my account never reflected the reduced balance, nor the reduced interest rate. XXXX has continuously charged me an illegal amount of interest and fees. I had to contact XXXX and provide them with my updated contact info only to be informed that my amount due is {$36000.00}. 

I have been paying on this loan since XX/XX/XXXX- XX/XX/XXXX ( view paperwork it is highlighted ). 
XXXX has been reporting incorrectly to the credit bureaus as FAILURE TO PAY. XXXX has been reporting the incorrect original balance of the loan. 
XXXX has reported the loan as closed/charged- off and has been continuously reporting false, fraudulent, incorrect information. 

Please view the paperwork I have attached. It will show the payment history over the life of the loan to XXXX as well as my credit report that has the incorrect balance and payment history remarks. 

I respectively ask that the dates from XX/XX/XXXX - XX/XX/XXXX be removed and set to current. I also want all loans older than 6 years off of my credit report, as that is more than the SOL ( statute of limitations ) for my state. I request this error be corrected ASAP ( AS SOON AS POSSIBLE ), as XXXX is doing illegal collecting and reporting practices.
I filed a dispute with Transunion on   XXXX   XXXX   XXXX   disputing  XXXX   XXXX   XXXX   XXXX   XXXX   ( Account  XXXX  ) and received a letter stating that their records show that the information you disputed does not currently appear on your TransUnion credit report ( File #  XXXX  ). However, this account is indeed still reporting on my TransUnion credit report. This account was also previously disputed on  XXXX   XXXX   XXXX   XXXX     and removed from my Transunion credit report sometime between   XXXX   XXXX  , then immediately added back on.
We missed a couple payments on our HELOC around XX/XX/XXXX. We were attempting to short sale our home. We stabilized and began making full monthly payments around XX/XX/XXXX but did not get the arrears caught up for 10 months but we made full monthly payment for the full monthly amount due. The company reported to the credit agencies that we missed XXXX payments. They said they had the right to do that because the arrears where not current. They kept applying the new payments to the ones in arrears and reporting late payments for the current months we were paying. Do we have any protection from the law regarding this and if so what is the legal statute, where can I find it please? Thank you.
I was alerted that my account had been placed on a fraud hold. I contacted Synchrony Bank regarding my Banana Republic Visa to learn that they had allowed inappropriate access to my account to an unauthorized person and completed an address change. As a result, Synchrony Bank closed my account and confirmed all account details with me, including the correct mailing address. However, when the new cards were sent, with a new account number, Synchrony Bank sent the cards to the wrong address - the address that had been the cause of closing the original account. So, after closing the account to suspend access to my account Synchrony Bank was negligent in not ensuring that the correct address was used for the delivery of my new cards. Synchrony Bank has now had to close the XXXX account and open a XXXX account. They have refused to give me online access to my account rewards until XXXX billing cycles pass, despite the fact both accounts were closed because of their mishandling of my sensitive account details. Due to this oversight on their part, I asked for them to compensate me for a subscription to a credible identify theft program ( i.e., XXXX XXXX ) to assure me that they did not further compromise my personal details. They declined. Synchrony Bank and Banana Republic Visa have not demonstrated they are committed to ensuring this does not happen again, nor have they ensured that I am satisfied with the resolution they presented.
I overnighted my flood insurance check to XXXX XXXX " XXXX '' along with a binder of receipts from contractors for labor and materials from hardware stores. Two weeks later, I called the XXXX XXXX to be told by the person assigned to my account, XXXX, that I needed canceled check proof of payment to the contractors in addition to their signed " paid '' invoices. Had I not called, when were they going to tell me this? 
I asked about the cash payments we had made to which she replied that the signed invoices had to say " Paid by cash '' and dated. Notwithstanding the failed logic of why a signed invoice is acceptable in one circumstance but not another, I emailed them the cancel check images to " XXXX '' on XXXX XXXX. Today, XXXX, I got an email telling me that they were sending out a check for {$19000.00} ( only for the materials ) out of over {$100000.00} of receipts and that my return XXXX label was unusable. I had spoken to XXXX ' XXXX XXXX last week about the XXXX  label which she claims was not usable because it had Cardinal on the 'From ' address. I generated the label from my corporate account and XXXX confirmed that I had generated it correctly yet XXXX told XXXX this morning not to use it in spite of my proof to the contrary ( sent web captures by email ). I mention this incident as an example of their capricious manner of their handling my reimbursement. The cancelled check proof I sent last week? XXXX just uploaded it to my account this morning and told me that it will take 72 " hours '' to have it reviewed. Their language is measured as if they say " hours '' it will seem less than the 9 DAYS she said it will take. Why will it take 9 days to match a paid invoice with a cancelled check? 
I have maxed out my credit cards and available cash to clean out my house, dry it out and start rebuilding. I need to be reimbursed what I have spent so I can continue with the rebuilding but Cardinal refuses to disburse the funds, even the 1/3rd that they initially told me was customary is not going to be disbursed. I need help to have them be more responsive. Having a natural disaster is one thing but being prevented from rebuilding because of a mortgage company lack of service is shameful.
I have a loan with Green Tree My payment is XXXX of that PMI is XXXX and the balance is XXXX and intrest {$290.00} of it goes to Escrow for Tax and INS I called and asked why they did n't pay property Tax and they said the loan was n't set up to do that I said will it says on my paper work they said I would have to fax the Escrow dept no # to call them my property taxes are over due now and now Green Tree says they will respond with in XXXX days this is a FHA loan it 's there mistake they have the money
I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.
I sent a check to Wells Fargo for money from my pension fund, to be deposited in my IRA. They have received the check but have not deposited it in my account because they say they have to verify that the funds exist to cover the check. They say that this could take up to 45 days. That is utterly ridiculous. They received the check on last Thursday XX/XX/XXXX so they have already had it for a week, more than enough time for any verification. I am convinced that they have already cashed the check and are now planning to use my money to speculate on CDOs or whatever other worthless pieces of paper the big banks are now scamming each other with.
XXXX XXXX XXXX account # XXXX they are not showing my updated balance they need to show I have made payments or show paid in full. 
XXXX XXXX account # XXXX this is being reported incorrectly very simple investigate and updateXXXX XXXX account # XXXX they are reporting this incorrectly and need to investigate and report correctly
Saw some unauthorized inquiries on my credit report from equifax.Contacted them but they replied and tell me to contact the creditor.I am unable to get to the creditors.I was a victim of identity theft back in XXXX 2016 and I would want equifax to look at those inquiries again as I am unable to get an answer from creditors.
I am writing on behalf of my mother ( I am her medical and financial POA and her daughter ). She XXXX in 2010. Prior to this her FICO was near XXXX. At the time, she had a credit card with Chase Bank. Due to medical expenses, becoming XXXX and moving to be close to family, she had to foreclose on her house. Chase Bank held her second mortgage and credit card. After the house foreclosed, Chase decreased her credit limit from $ XXXX to $ XXXX. This was not an issue, as she rarely used the card. 
My mother has not used the card frequently and always pays off any balance immediately. She has the card for emergency purposes and has not used it in approx. 18 months. 
We recently received a notice from Chase saying that they were closing her Credit Card account. The notice said that the credit acct would be closed in 60 days and that no action we took could keep it open. I immediately called Chase thinking that there must be something we could do considering she has never been past due, over balance or delinquent in any way. 
When I spoke to customer service, I was told that the only thing we could do would be to open a new credit card with them. The representative said that because my mother had not used the card in the last 18 months, they were closing the account all together ( I would like to note that there have been stretches over the last 6 years where my mom has not used the card for periods greater than 18 months with no adverse action taken by Chase ). I was very concerned for multiple reasons and asked where in the Terms of Service/Card Agreement it was noted that the account could be closed for no reason and without giving the customer notice of the action to prevent the closure. The representative told me that this was an " internal policy '' and " not available to consumers ''. I stressed my concern that not notifying customers of this practice was detrimental to them. I asked the rep if she understood that my mother has had the account for over 15 years and that closing it would have an impact on her credit score. She said that she was aware of that and that there was nothing she could do. I also spoke with a Supervisor that said the same thing ... that this was an internal policy and we would have to open a new account. 
I have been trying to repair my mother 's credit score since her XXXX. Closing this account will not only affect her score, but also take away the small safety net that she has. On top of that, Chase is essentially forcing her to seek new credit, which will also have a negative impact on her FICO. 
This practice seems unethical and draws serious concerns. How can a credit card company have an internal policy that is not disclosed to consumers, but can have a negative impact on them with no wrong doing on their part? Any help with this situation would be sincerely appreciated.
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. # XXXX XXXX XXXX  XXXX XXXX
I was a loan modification process with BSI mortgage co., therefore they would not accept any payments and kept reporting me as " late payment '' and now " delinquent '' which is not a fair statement. How can I be late or delinquent when they wont accept a payment and then turn around and report this to XXXX and XXXX as a true statement? ( thank you for correcting this error from XXXX ) that is a fraudulent statement!! THEY ALSO SHOW " FORECLOSURE '' - I sold my home in the midst of this process. Never once was I informed with any paperwork or verbal conversation that I was in " foreclosure! ". I sold my home on XXXX/XXXX/16. BSI is has reported to credit bureaus as " foreclosure '' and just as recently on XXXX/XXXX/16 a missed payment??? I have tried numerous times to contact them and I never get a response!! BSI is damaging my credit and it needs to be removed immediately. I can support my situation with the letter I begged to receive from BSI showing PAID IN FULL. Please help!! 
Thank you!!
XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by XXXX XXXX. I informed XXXX XXXX that I did not want Wells Fargo. My loan with XXXX XXXX was approved. XXXX XXXX sold my loan without my knowledge or permission to Wells Fargo because they could get more money from them than XXXX XXXX. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from Wells Fargo! 

I never had a loan with XXXX XXXX. Since I dislike Wells Fargo, I refinanced with XXXX XXXX XXXX. XXXX had informed me that I could write a note on my credit report and disputed it. I told XXXX that I want my credit report to show that I did not have a loan with XXXX XXXX, and want it removed. Also, I want it said that XXXX XXXX sold my loan to Wells Fargo. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? XXXX obviously lied to me. 

Furthermore, I never gave permission that Wells Fargo could obtain my credit information and never authorized a loan with them. This needs to be illegal!
Roundpoint Mortgage Servicing Company Overpaid my city taxes by thousands of dollars and it has raised my mortgage over a 1000 plus dollars. I have researched the issues that I have and I have seen a methodical pattern of the same issues that others are having such as over payment of taxes which include double payments, refusal to show documents and long hold times and ultra vague answers. I was working with a customer advocate and the number given was to a non working number. I have not made my payment due to not having the finances to pay the extra 1000 plus dollars. I have read the complaints on your database and it shows that when they say they will waive the late fee. they will not once after the due date. The issues that I am having is no fault of my own but it looks like the time it takes for them to fix the issue you are forced to pay the high increases with push back from the company to get a refund. I have contacted legal council to advise me on this and to conduct research on these issues that others are having.
The lender has failed to respond to our QWR and Notice of error request sent and are proceeding to sale set for  X/X/17    - the lender is in violation of regulati on X-12 USC 2605 ( e ) ( 1 ) and t he clients right to counsel.
There is a company named Cavalry Portfolio Services that was deleted from my account on XXXX XXXX, XXXX and failed to meet FTC requirements for reporting information and now this trade line has reappeared on my credit report. They have reinserted the inaccurate information on XXXX XXXX, XXXX. 
CAVALRY PORTFOLIO SERVICES XXXX Reported Collector : CAVALRY PORTFOLIO SERVICES Account Number : XXXX Date Opened : XX/XX/XXXX Balance Date : XXXX Balance Amount : {$560.00} Date of Status : XX/XX/XXXX Status : Closed CAVALRY PORTFOLIO SERVICES XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
I have a loan with BRIDGECREST XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BRIDGECREST with no successful resolution. XXXXonly reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/XXXX / XXXX, XX/XX/XXXX.
As per CFPB # XXXX - This is the REQUESTED UPDATED information XXXX is listing a number of student loans under the same Account #. XXXX, with an open date as of XX/XX/XXXX BY by Navient Solutions , Inc, <br/> XXXX is listing a number of student loans under the same Account # XXXX with open dates as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX <br/> ALL OF THE above accounts are " incomplete '' without BALANCES, CREDIT LIMITS and with " UNKNOWN STATUSES '' <br/> I suspect that they are duplicates that need to be DELETED or UPDATED with Balances, Credit Limits, and Current Status. It is unacceptable for a Credit Reporting Agency ( CRA Furnisher ) to have as a " status '' UNKNOWN when it is their duty to have one. 

XXXX is listing a student loan under Account # XXXX with an open date of XX/XX/XXXX BY XXXX/NAVIENT.