WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON EXPERIAN AND XXXX   CREDIT FILES. 
While the account could be properly placed in the public records portion of the credit reports, it is not. 
The account is appearing as a collection and as such it is illegally re-aged.The correct DOFD is XX/XX/XXXX, the day rent was due and delinquent after XXXX that same day. 
To be aged incorrectly by 4.5 months is damaging financially to me.The correct age of the account is 5 years ,4.5 months.When the age of the account reaches 5.6 years on XX/XX/XXXX,  the fico affect, a negative affect will be dramatically reduced by the aging process. 
IN CFPB DISPUTES XXXX AND XXXX, the certified court docket provided to XXXX and Experian was sufficient proof of the re-aging and EXPERIAN AND XXXXXX/XX/XXXX HAD A DUTY, A LEGAL DUTY TO ACT AND DELETE THE ACCOUNT. 
THIS IS THE FINAL NOTICE, THIS IS MAKING A RECORD BECAUSE PLANS ARE IN PLACE TO EMPLOY A XXXX/HR ATTORNEY TO COLLECT DAMAGES FROM EXPERIAN, XXXX  AND XXXX XXXX XXXX XXXX, for their consistent violations of the FCRA.XXXX  XXXX admitted to verifying this account at least 40 times in the above named CFPB complaint.
On XX/XX/XXXX I deposited an out of state check from XXXX XXXX bank of XXXX CT into my Chase bank checking account for {$2600.00}. I had an available balance of {$1100.00} and a hold to be released on the check of XX/XX/XXXX. I made XXXX online payments to XXXX and XXXX visa for a total of {$1000.00}. I subsequently received an email from XXXX indicating the payment was refused and I was no longer able to make online payments until I setup another account. I contacted my local branch on XX/XX/XXXX and was told that the account was restricted with no other information as to why. I spoke to XXXX XXXX and XXXX XXXX at Chase branch with no information given ... Chase also locked up my payroll deposit from XXXX deposited on XX/XX/XXXX. Subsequent conversation with my payroll department indicated that Chase took the payroll check and they could not pay me until Chase returned the money. In conversation with Chase branch manager XXXX XXXX on XX/XX/XXXX she indicated that the account will be closed and the check if it clears by XX/XX/XXXX a check would be mailed to me. The original amount ( {$2600.00} ) was deducted from the XXXX checking account on XX/XX/XXXX.They are now going to hold the deposited check for XXXX or more days ( original release date was XXXX and is now after XXXX. I have attached copies of Chase website showing balance and release date, XXXX notification, XXXX checking account activites, and a copy of Chase lettter dated XXXX mailed XXXX and received by me on XXXX with no explanation of what the problem was or how to fix this unknown problem. The XXXX account belongs to a childhood frien that I have power of attorney as he has had a XXXX XXXX and a XXXX ...
XXXX is allowing XXXX XXXX XXXX to continue to report false information on my account. This is the 8th attempt at getting them to remove any balances owed to XXXX XXXX XXXX. I have paid them off in full both accounts. They continue to report a balance owing, as well as a fraudulent high balance and late status. As you will see on my credit report, I was never late, and paid them in good faith in full. XXXX XXXX   account number # XXXX XXXX XXXX XXXX And XXXX account number # XXXX XXXX XXXX XXXX
XXXX Mortgage Loan " Home Affordable Modification Program ( HAMP ) Agreement '' in place since, XX/XX/XXXX was Transferred to MR. COOPER AKA NATIONSTAR on, XX/XX/XXXX.

Ive contacted MR. COOPER AKA NATIONSTAR a Total of 27 XS ( between Calls ; the MESSAGE CENTER ; EMAIL 'S ; FAXES & US MAIL with, EVERY one of these Contacts Ive SUBMITTED OVER 80 Pages of DOCUMENTATION dating back to XX/XX/XXXX ) since, XX/XX/XXXX in ATTEMPTS to gain assistance d/t the MULTITUDE of PAYMENT REVERSALS/FEES CHARGED/ LATE CHARGES/ PROPERTY INSPECTION FEES ( My Account was PAID TO DATE on XX/XX/XXXX Nationstar Statement & by, XX/XX/XXXXMr. Cooper Statement Mr. Cooper had me listed with, Overdue Payment of {$1000.00} & were Assessing these Charges to My Account ) then, on XX/XX/XXXX with, no explanation they stopped taking my Monthly Payments that, have been AUTO-DEBITED since, XX/XX/XXXX. It was VERIFIED by, XXXX XXXX XXXX via a 3-way Call on XX/XX/XXXXbetween Myself, Nationstar/Mr. Cooper Customer Service Center & XXXX XXXX XXXX that, Nationstar/Mr. Cooper have been RECEIVING Payments on or about the XXXX of the Month with, NO PAYMENT REVERSALS on XXXX XXXX XXXX end ).

All I get in return from, Contacts made are MULTIPLE Letters/Emails stating They received my correspondence ; take all matters seriously & are in the process of reviewing concerns then, NOTHING IS DONE to CORRECT there Errors in Regards to my " On-Time '' Monthly Payments & there " FAILURE '' ( upon my Loan Transfer from, XXXX ) to Honor my Home Affordable Modification Program ( HAMP ) Agreement in which, I have had in place since, XX/XX/XXXX without ANY ISSUE 'S ( i.e. Late Payments, Threats of DEFAULT, etc.. ) as, EVERY PAYMENT was PAID " ON TIME '' by, AUTO DEBIT & I was RECEIVING the INCENTIVES for making these payments until, Mr. Cooper AKA Nationstar became involved with, there Unethical Business Practices ; " FAILURE '' to Respond to Inquiries/Correct Mistakes theyve made then, they INTENTIONALLY STOP taking my MONTHLY Payments as, Set-up by, Auto Debit & now are Threatening me with, DEFAULT! I've made by, U.S. Mail & Online all 4 Payments ( XX/XX/XXXX. ; XX/XX/XXXX. ; XX/XX/XXXX & XX/XX/XXXX ) since, they stopped by, Auto-Pay. I was Eligible & to receive an " XXXX {$5000.00} incentive in XX/XX/XXXX '' that, I completed Paperwork for with, XXXX  & MR. COOPER AKA NATIONSTAR are in possession of but, are now stating " Your loan exceeded 90 days past due. Therefore, you are no longer eligible to receive Pay for Performance incentives under the Making Home Affordable Modification Program '' which, I believe with, No doubt that, they intentional failed to respond to complaints since, XX/XX/XXXX & stopped my Auto-Pay to avoid my receipt of this {$5000.00} incentive.

I have NEVER missed a Payment since, having my Home Built in XX/XX/XXXX& the treatment I've received d/t there Unethical Business Practices since, XXXX   Mortgage Loan Transfer has been absolutely disgraceful.
As a XXXX of DriveTime for 5 years. I took my daughter to the XXXX location. This was her first time car buying experience. I was with the company when they rolled out the XXXX anytime lease program. I thought this would be ideal for her in the event she fell on hard times and could n't continue to maintain the payments. The saleswomen XXXX ( Who was Wonderful to work with ) located a vehicle on another DT lot that was listed in THEIR inventory as " a Starter car ''. The downpayment was {$1000.00}, but you can put down a minium of XXXX and pay the XXXX in XXXX bi-weekly payments of {$50.00}. Then your payment will go down by XXXX. That 's per DT Terms. Well the Manager XXXX at the XXXX completely did A BAIT AND SWITCH. He told her the vehicle she purchased was a higher tier price so her payments would be XXXX bi-weekly she told XXXX she could n't afford that. Even though the saleswoman XXXX checked the system and even called the dealership to make sure the vehicle was still their. XXXX then tells my daughter wait let me make the number work. He put her payments as {$190.00} bi-weekly @ XXXX payments when it should have been @ XXXX payments the anytime cancel lease is for 24 Months ONLY! So why is she doing a lease for 5 1/12 YEARS. Then her payments do n't go down after the remains XXXX of {$50.00} bi-weekly has been PAID. On her contract it states Final payment {$190.00} due on XXXX/XXXX/15 so her payment would be XXXX less. My daughter called DT in XXXX was told by representative there was {$99.00} still due because there was a side note?? She went to the dealership in XXXX spoke to XXXX who looked at her contract was n't able to make heads or tails of it since XXXX was n't there he was confused. He asked my daughter how much did she put down she told him {$890.00} but on the contract it has {$1000.00} that was incorrect. XXXX asked for a few days to get to the bottom of everything he was going to call me. I did n't here him. I called back on Thursday was told he was n't in. I spoke to XXXX who acted like he could n't talk to me about this. He was the one that wrote the contract. He said XXXX was going to call me. kept saying they need to review the tapes?? What tape this was done inside the dealership not over the phone. Furthermore XXXX and my daughter was in the dealership until XXXX the night she purchased the car. That was ridiculous it does n't take 3 hours to write up the contract. I work for a XXXX I AM XXXX for XXXX of the XXXX 's. IM SO DIAPPOINTED IN DT for not taking ownership for XXXX 's me stake. XXXX not having the decency to call me back and we could go over the contract together. I know the DT Core Values. This is Not how they do business. XXXX needs to be re-trained on contract writing. Both men need to take ownership.
They make it impossible to pay, are very difficult to contact and keep reporting me and ruining my credit score. 

Any amount of research on the company ACS educational services turns up nothing but disdain from customers who are constantly getting screwed over. How is this even legal?
lender is delaying the payoff to charge late fees and attorney fees ''. lender would also not take my mortgage payment.
Good Afternoon : I am writing to register a complaint against Wells Fargo. I am a XXXX who is paying back loans and working part time weekly doing contracting work as I am trying to find a full time job. There are days when the paycheck I make is in transit just in time to my Wells Fargo account for bills. Even though the money transfer is deposited on the same day, Wells Fargo immediately charges a {$35.00} overdraft fee for each transaction. Over the past year, this has added up to {$770.00}. This has put me in some tough situations as I am  already living paycheck to paycheck. On many, many occasions the overdraft fees ( for each charge ) have cut into my paycheck so deeply that the amount in my account is then insufficient to cover the bills and I incur even more overdraft fees. It 's become very difficult to keep my head above water and only recently have I even become recent on paying my credit cards on time. I am a young adult who has a damaged credit score- who is both working as much as possible ( often 20 hours a day ) - with these incidents- I am not able to With the money and the transactions happening at the same time, it seems unfair for me to be charged immediately- as I have no control when the bill is pulled from my account and when my paycheck is deposited. I thank you for your review of this situation and I appreciate any help you can provide. I am providing details of deposits and corresponding overdraft fees to show correlation.
Macy 's contacted me in XXXX 2016. They stated that they believed that there was fraudulent activity on my Macy 's credit card. They felt that charges were fraudulent because the merchandise was not being shipped to my home address. I confirmed with them that I had definitely not made the fraudulent purchases. Macy 's assured me that the fraudulent charges would fully investigated and they would be removed from my charge account. They stated since the charges would be removed, there was nothing further for me to do. I had none of my own purchases on the card at the time of the fraudulent activity and I have not used it since that incident. It is now XXXX XXXX, and the charges remain on my account and they are placing late charges on the account for non payment.
I recently changed banks, I had submitted my monthly payment to my capital  one  card and the payment was returned since my bank account closing went through right away. No one notified me on the payment returned. So, thinking that my account was in good standing I found out I had an illness and have n't been in my right sense. Was logging into my account today to pay my bill and it said it was closed. I call customer service and the lady was so rude, she belittled me. I told her about my illness and how I made my payment but because of my memory did n't submit my bank change and she said it was n't her problem and I can apply for a new card in the future and hung up! So now my account is closed when I have never been late for my payments!!!
Sears/Citibank reps will not help me remove an inquiry for a credit card after they canceled the application.
Sears website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the Sears credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another sears credit card rep and they told me to talk to sears.com regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. Sears.com rep told me it would be fine and I could pay for it now then change the order to the sears card when I received it.
Called sears credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that Sears/Citi remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.
I received an initial written letter via mail regarding a debt I owe from Relin, Goldstein, and Crane dated XX/XX/XXXX. This letter did not include the amount of debt I owe and only included a payment agreement, which I made over the phone. The letter states that I " have agreed to make monthly payments of {$500.00} with the first payment of {$1000.00} due by XX/XX/XXXX and a payment of {$500.00} due by the XX/XX/XXXX of each month following, until the balance owed is paid in full. Please note that 9 % interest does continue to accrue ''. I did not receive written verification of what the amount owed is, or how the interest is calculated. With the lack of written confirmation of exactly what I owe and how many payments of {$500.00} it will take to pay this debt off. I am concerned they have left this open-ended and have neglected to verify my payment plan with respect to how/when my balance will be paid in full, or what my starting balance is to begin with.I spoke with a representative about my concerns on XX/XX/XXXX.
An identity theft dispute with full documentation including a valid Limited Power of Attorney, authorizing XXXX to dispute the account on XXXX XXXX 's behalf was submitted to Walmart / XXXX XXXX via fax on XX/XX/2018. Over the course of the next 2 months, Walmart 's Fraud Department was contacted on several occasions in order to determine the status of the fraud dispute. We were told the dispute takes 60 days, during which time the account would not be removed from the credit history of the victim. This is in complete violation of the Fair Credit Reporting Act. Now that we have passed the 60 day mark, I contacted Walmart 's Fraud Department once again only to be told that I could not obtain the status of the dispute as the Limited Power of Attorney was still on review and had not been 'approved ' whatever that's all  about.
In XX/XX/XXXX I filed a Chapter XXXX Bankruptcy XXXX has since then violated my Bankruptcy plan on my loan that was reaffirmed by the debtor with reaffirmations signed by the creditor and debtor and was part of my confirmed plan. XXXX has since the reaffirmation signing in XX/XX/XXXX placed forced placed insurance on the property creating a bill for the debtor in XX/XX/XXXX while the debtor was under a federal stay not disclosing this action to the debtor or petitioning the court to allow this bill in the debtors plan this as a violation of 524 injunction. After the case was closed in XX/XX/XXXX XXXX paid off the debtors tax contract on this property which was part of the debtors confirmed plan and then added that debt to a escrow payment created for the already illegal insurance this was also a XXXX injunction. XXXX continued violating the plan by sending the debtor monthly bill statements with the discharged debt listed on the statements as still owed and in two payoff quotes. Seterus in the foreclosure case on my home listed the discharged debt as deferred debt owed in the case. XXXX has responded as follows : XXXX 2Day Delivery XX/XX/XXXX Loan numbers : XXXX, XXXX and XXXX Serviced by XXXX XXXX XXXX . 
Dear Mr. XXXX : On behalf of XXXX XXXX XXXX, I am responding to your correspondence submitted to the Consumer Financial Protection Bureau regarding the above-referenced loans. 
Please be advised that we have referred this matter to outside counsel. As such, we have provided a copy of your correspondence to the Consumer Financial Protection Bureau to our counsel, Manley Deas & Kochalski LLC for a response. Should you have questions or concerns you may contact Manley Deas & Kochalski LLC directly at XXXX. 
Sincerely, XXXX XXXX Consumer and Government Affairs XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX I have not gotten a response from Deas & Kochalski
XXXX XXXX with Southwest funding was absolutely horrible. I lost out on a deal for my future home twice due to his negligence. He was ill prepared and just unconcerned for anyones livelihood other than himselves. I voiced my frustrations with his lack of communication on multiple occasions and it didnt seem to phase him. I hope he will not have the opportunity to ruin anyone elses future endeavors every again.
Well Chase has decided not to do business with me.I found this out at XXXX Saturday XXXX XXXX after a one week delay in handling a claim I filed on XXXX XXXX. To this day I have yet to receive any correspondence from Chase. All correspondence has been done by me with no information or cooperation from Chase. I have been denied access to my money and account for over a week with no reason given.When I call I am transfered to a call center XXXX. No answers or help there, still no access to my money.Close the account no time period giiven I was shocked, told them I have direct deposits coming in, was told I would have access to my account for 10 days. Never happened next day account restricted, I had a direct deposit go into account, no access allowed, at first told I will receive money in a day or XXXX. My response unacceptable you ca n't do that with my money. Request to speak to someone else, switched back to XXXX which they tell me there is no sign of a direct deposit. So not a email not a phone call or a letter from Chase to this day.And still no access to account.
I had filed a chapter XXXX and discharged my mortgage debt. Suntrust is filing on my credit late payments on the mortgage. The mortgage should show discharged. Suntrust is n't following current Bankruptcy rules for debt collection.
Bank of America - XXXX XXXX XXXX XXXX XXXX TX XXXX Regarding account XXXX This company is continuing to report negative credit to XXXX for this account which is more than 7 years old. We have requested that they remove this old account from my credit reporting but they  have refused.
At the end of XX/XX/XXXX, I filed a claim with my Chase Sapphire Preferred credit card to enact the trip insurance I was given by being a holder of this card. The trip insurance states that if I purchase a trip with the card, and then experience an illness that prevents me from going on the trip, the insurance will cover the loss in full. Unfortunately, I became ill before my trip, went to my doctor who advised me against traveling due to medical reasons. A medical doctor, both verbally and in writing, told me that due to my illness, it was inadvisable to travel. So I cancelled my trip, filed the claim, and was immediately denied. When I called back to ask about the denial, the agent said it sounded like a basic misunderstanding and that I needed to file an appeal. I immediately did that. Did n't hear anything back for a week, so I called in and they had zero record of my appeal. So I filed it again. And I was denied again. They claimed that it was my choice not to travel and that my doctor was wrong, despite the written proof that was given to Chase. My account number was XXXX XXXX XXXX XXXX.
In 2015 my accounts were supposed to be in forbearance with a monthly payment of XXXX, I frequently received calls stating my payment was late and each time had to explain that it was supposed to be in forbearance. I was reaffirmed it was taken care of but it never actually was, on my credit report I can see that in 2015 I have a negative remark as a 90 day + late payment and then a couple of months later it shows that I was caught up again despite having not made a payment because it was in forbearance. I feel the loans have not been clearly defined and the help we receive when we ask for it is either inadequate or misleading.
My wife lodged the following complaint with the XXXX against RoundPoint Mortgage : " Constant issues with our escrow account. They 're raising our mortgage due because they not applying payments correctly. 
My husband and I had purchased our home in XXXX XXXX, SC in XXXX XXXX. After our closing, the mortgage was purchased by Roundpoint Mortgage. Since then we 've had a number of issues from them not paying our hazard insurance and sending our escrow money back in a {$700.00} check in XXXX XXXX and then sending a bill for the same amount after finding their error. We 've had numerous analysis done and have been given XXXX different mortgage payment amounts. We 've talked to several of their employees both in XXXX and here in XXXX. We were told not to pay our mortgage last month until the last analysis was completed which made us late. We just received another check from them for over {$1300.00}. After once again speaking to a representative, my husband was told to cash the check and send them back about {$100.00} to bring our monthly payment back down ... and we could keep the rest. He looked at what was in our escrow account, about {$110.00} when there should be well over {$1500.00} in there. '' The RoundPoint response to the complaint was inaccurate at best, misleading at worst. 
I 'd gladly send you their response along with our XXXX character rejection of their response. In summary, RoundPoint has mismanaged our account, served us poorly, and is, now, attempting to revise the history of our recent relationship through RoundPoint Assistant VP, XXXX XXXX XXXX 's response. I was proactive, did the legwork, performed the research, and endured and educated RoundPoint reps throughout this process. For these reasons, it 's with conviction and zero hesitation that I do not accept RoundPoint 's response to our XXXX complaint.
I was doing closing to buy our new house and then we could not close the deal since my sister debts showing under my credit and according to debt to income I lost my deposit for this new house and I could not buy the house, I tried to call Equifax more than 4 times, first time they gave me a fax number and told to wait 48 hours I called them after they said that was not the right number and that means my personal information went somewhere else God knows. Than I faxed twice with complete status of sent and then called them again they said never received any fax or documents. So I`m about to sue them and bring to court, First of all they mess up my credit score and history and not trying to fix it. the other credit card bureau are correct so I complaining about huge mistake and they have to pay for it AND THE DAMEGES I HAD BECAUSE OF THEM.
I have requested XXXX, on numerous occasions, to update and correct my credit report. XXXX has refused to further investigate my dispute after I have provided supporting documentation. Additionally, no source of verification has been provided. 

I received a reference number from XXXX ( # XXXX ) that my information has been updated with correct information. I spoke with Account Manager XXXX XXXX on XXXX XXXX, 2017. He can be reached at XXXX.