WillisBack/dataset-financial-user-claim huggingface dataset:
i graduated inXX/XX/XXXX. my loans went into repayment XX/XX/XXXX. 
i have made all payments on time and in full since XX/XX/XXXX. 
i contact fedloan to count the number of qualifying payments every 2-3 months and their number never increase. i have a total of 8 loans that all went int repayment XX/XX/XXXX yet for one loan it say i made 19 payments and then on other loans it says i've made 23 payments. every time i call no one wants to give me a straight answer and just request a recount which never is accurate. the representative agree that their numbers do not make sense and put in a request to count but nothing is ever explained or resolved.
The state of Kansas filed a State tax Lien on XXXX/XXXX/XXXX, for tax XX/XX/XXXX-XX/XX/XXXX.The last time I owe a home was in XX/XX/XXXX.file CHAPTER XXXX BANKRUPTCY DISMISSED/KANSAS DOCKET # XXXX. I move out of this house in XX/XX/XXXX.On XXXX/XXXX/XXXX order of sale for this house. On XXXX/XXXX/XXXX ORDER OF CONFIRMATION OF SALE. THIS ACCOUNT HAS BEEN RE-AGED BY THE STATE.A COPY OF XXXX CASE # XXXX SHOW TAX PERIODS DUE FOR XX/XX/XXXX-XX/XX/XXXX.THE DATE OF FIRST DELINQUENCY UNKNOW. THIS ACCOUNT INACCURATE AND OUTSIDE THE STATUE LIMITATION. ON THE TRANSUNION CREDIT REPORT SHOW ME LIVING AT XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. AND BEFORE THAT AT XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX. THE STATE SAYIN I OWE TAX FOR XX/XX/XXXX.COPY INSIDE. THIS WAS RELEASED AND TERMINATED.
Back on 2013, XXXX XXXX XXXX issued a XXXX for {$13000.00} which we completely reported to IRS and paid the tax on this amount. XXXX XXXX XXXX reported this amount to the credit bureau as negative and di not want to close this issue. As the result of their negeligence and misrepresnation, we were not able to secure many loans. We have sent many letters and communications to this company and as of today, they refused to provide us with anything in writing that this account is closed and paid.
I previously reported issue with CFPB. The same unethical practice has happened again despite receiving a letter indicating they were changing their policy in XX/XX/XXXX. I suppose it has n't happened yet and they are still processing transactions high to low instead of order they are received. But what really concerns me is that today on my statement there is a line item that says {$35.00} " debit card authorization ''. I have not used my card so when I called to inquire they said it was an overdraft fee. Talk about deception. I was concerned someone used my card but instead it 's the bank disguising fees!
On XX/XX/XXXX of this year I sent a wire tranfer worth {$20000.00} USD to coinbase to their account in XXXX XXXX XXXX to an account under my name. Coinbase confirmed through email that they recieived it and said as the wire wasnt send from an account under my name that they have reversed it ( I sent it from my business account ). Unfortunately my bank never received those funds back and coinbase just doesnt answer with any solution, they just say they are " working on it '', but dont give me a confirmation of the reversed wire or any documentation that support that indeed they reversed those funds. It has been almost 3 months about this, and I still havent seen any solution. PLEASE HELP!
There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last  name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX Pleaes help me get this matter cleared up
Portfolio Recover is continuously reporting an account that was closed by the original creditor XXXX XXXX as an open account that was closed by the original creditor in 2013. I have disputed this several times every year and all they do is say it was verified without sending me documentation that this account is mine. This is NOT my account and I am tired of being called everyday continuously by them as they leave messages with my friends and family.I had to block several numbers as they change their number or call me from different numbers in different time zones thus violating the Fair Debt Collection Practices Act ( FDCPA ) I do not have a contract with them and this account was closed 5 years ago according to my credit file last year. yet they refuse to remove this account from my credit file and the Credit Bureaus are accepting whatever they say every time I dispute this. Account is closed! yet the keep harassing me over XXXX do they realize they could be fined over XXXX for contacting me constantly and falsely reporting an account on my credit file?
On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX
I was going to be late on my car payments for a lease vehicle. I asked if could get a month skipped and added to the back of the ending term agreement. I was told no, and they can only change the due day out 15 days. I had the due date changed, and paid that month it was do. Unfortunately I still was out of work and could n't keep up with the payments. I asked again for possible skipping months or did I have any other options, but was told no. I was never offered any option. I was determining I could catch up with the payments but just before I got the money to catch up the leased vehicle was repossessed. I called to see if I could get the vehicle back but Honda Finance want XXXX for the full price of the vehicle not the XXXX that would have brought car current with late fees.
I had a fire in my home on XXXX XXXX, 2013 and boy this has been a nightmare for me. The insurance company ( XXXX XXXX ). It appears that these XXXX companies XXXX XXXX and Wells Fargo ) where working together without informing me with everything that was going on. I should have been informed by both companies on exactly what they were doing but I was n't informed until after the fact. XXXX XXXX sent a check to Wells Fargo without informing me of the amount of the check and XXXX XXXX did n't inform me that they had settled on amount in XXXX before sending it out a check in XXXX on the claim. The claim amount was paid with figures on a pay-off quote of what it would be on XXXX XXXX, 2013. This disturbs me because no discussion of the amount was ever discuss. Wells Fargo should have informed us they received this instead of us figuring this out almost four months later. Wells Fargo now is holding the check and also wants to foreclose on my house. These mega banks have to much power to where the little man has no way of surviving in this world. I hope I do n't become homeless because of how these two companies cheat the consumer out of the American Dream. They need to be stop.
In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that GM Financial had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. Reported nothing XX/XX/XXXX than reported me 60 days late in XX/XX/XXXX. I immediately contacted GM Financial to report that when I log into their payment system, it showed my account has having a balance due of { {$0.00} } The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. GM Financial customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. There are also articles online where GM Financial admits having issues with their payment system when they upgraded in XX/XX/XXXX. I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error. I want the late payment removed, this is affecting me purchasing my home
I have received multiple calls in the past few months from alleged debt collectors. 
They are calling themselves XXXX " XXXX XXXX XXXX ''. They have called me from various different phone numbers in different states XXXX, XXXX, XXXX, XXXX, XXXX. They allege to have sent multiple collection letters, which is false. They refuse to give me information about the company and are often aggressive when questioned about the company. Additionally, they have threatened my credit by putting this bogus account into collections. 
They have my full name, full address, date of my appointment, and name of medical provider. I know I paid the amount in full that they are talking about but it is concerning that some group would be able to get all this information about my health history. 
I have already contacted my health provider and insurance company about this and I do not intend to pay this bogus bill.
XXXX XXXX received federal loans from XXXX  XXXX during XXXX. The amounts provided to me and the amounts paid to XXXX XXXX were not what I agreed to. I was misguided and advised I would n't have to repay because I qualified for full grants being a single mother without any income at the time. I graduated in XXXX and learned that I owed {$15000.00} to XXXX XXXX. XXXX XXXX went under closed in XXXX XXXX and XXXX so I had no where to go for records of such loan and grants. I started making payments to XXXX XXXX because I was being harassed via phone and email. XXXX XXXX went under and I did n't receive any correspondence from navient for almost a year. Then navient sent me a payment book with different information that did n't match the loans or amounts. I stopped paying them and did n't get anymore correspondence from any lender for XXXX months. XXXX I started getting collection letters from XXXX XXXX bureau and XXXX calls a day from different places trying to set up payment plans and or offers to help asssit me with high costs to get started. They 're requesting my bank account info and telling me my tax check will be taken and also sent a letter to garnish my paycheck at previous employer. At this point I do n't know who to pay if I even need to pay anymore or the amount. There are law suits going on for XXXX XXXX and navient.
I have XXXX loans with USBank : a Mortgage and HELOC. XX/XX/2012, I refinanced my mortgage to obtain a lower interest rate of 3.75 %. Due to the decline in housing values, USBank was unable to roll my HELOC into the new 30 year fixed mortgage. The HELOC was a revolving, variable rate line that could be used or paid down over a period of 10 years and then it would mature and convert to a close ended loan for the next 20 years. When I refinanced, they closed the heloc and told me that I could make interest only payments ( which would vary based on the principal amount ), or I could pay interest plus principal. I would not be able to use this line unless values went up and they re evaluated it. The interest only payments were approximately $ XXXX-XXXX per month due on the first. If they were not received by XX/XX/XXXX, there was a {$25.00} late fee assessed. My intent was to pay this loan off, so I began paying about $ XXXX monthly. Since USbank doesnt allow e-payments, I had my bank ( which was ironically USBank ) mail a check to arrive on XXXX. Over a period of 4 years, 18 times USBank charged me a {$25.00} late fee as they " processed and credited '' my payment after XXXX, even though they received it and often cashed it. Many times, the check would clear my bank with a USBank Stamp dated XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX or XX/XX/XXXX but they still charged me late fees and would wait to post it later, citing " it sometimes takes us several days of processing time ''. I called them multiple times to attempt to resolve the issue and they advised me to mail the payment a week earlier. So I did. Three times that they received and processed the payment prior to the first, they applied it to interest up to the first of the month it was due, and the balance to principle but then charged me a late fee because they did n't receive a payment on the first. I have spent hours talking with them, sharing the details with the branch management, all the while dealing with harrassing collection calls ( sometimes up to 10 per day ). 

The bottom line of my complaint is the following : I have paid almost double the minimum and they received my checks during the grace period. 
I believe that they are intentionally holding my checks so that they can charge late fees. 
The balance on this HELOC is not going down. I paid {$24000.00} over 4 years and yet it was reduced from {$78000.00} to {$72000.00}. 
I believe that my payments have been misapplied for the past 4 years. 
USBank does n't provide any detail on where the money is being applied in a statement or online. They are mysterious about the posting of my payments and I seem to get a different answer each time I speak to someone. I feel that they have used deceptive practices with this loan by failing to apply payments in a timely manner, or to show details on interest, principle reduction. They failed to disclose the terms after the re-finance and created a situation in which it was impossible to pay this loan off, putting me in a negative financial situation.
Me and my wife filed bankruptcy. It was dismissed on XX/XX/XXXX. We recently have inquired about buying a house. We were told that XXXX and Transunion were reporting a bankruptcy with no discharge or dismiss date. So I disputed with XXXX and Transunion. XXXX updated are credit report within 5 days. With the dismissed/closed XX/XX/XXXX. Transunion came back several days latter with " contractually liable debt '' So I disputed it again, after calling customer service. This time faxing my dispute with the supporting doc. again. Transunion came back again with the same outcome. So the third time I contacted Trans. I asked to speak with a supervisor and was told that they would need to open another investigation. I have sent the doc. from the US Bankruptcy court twice to them, and the supervisor acknowledged that they had it but could not update the credit report.
Ever since XXXX XXXX has joined with the collection agency they have, I have mailed requests, at their instruction to have them stop calling me. I have clearly stated what my circumstances are, asked them for a payment change date and they call beginning at XXXX XXXX and continuing sometimes until almost XXXX, INCLUDING XXXX and XXXX, multiple times a day, sometimes as many as 5 times a day. They are relentless in calling, the representatives are rude and do not complete the tasks they say they will. I have never been treated so poorly in all of my years as a consumer. The online statement varies from what they ask for on the phone. I had the account set up to automatically deduct the minimum payment amount and it took nearly 3 times the amount causing overdraft fees of nearly {$200.00} fees. I have spent no less than 80 hours of my life trying to rectify this matter only to be further frustrated to this date.
On XX/XX/XXXX I attempted to purchase XXXX XXXX Tickets for {$350.00} through Wells Fargo 's online banking app via XXXX. The funds were sent to the recipients bank called XXXX XXXX XXXX. 

Within 30 minutes from making the transaction and NOT receiving the tickets I filed a claim with Wells Fargo to stop the transaction. Wells Fargo responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank ( XXXX XXXX XXXX  ) and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing Wells Fargo could do and that the claim was closed. I've asked them if they could verify that the stolen/illegitimate checking account could be shut down - WF says that is up to XXXX XXXX. XXXX XXXX  will not discuss another account with me because I'm not their customer. 

However, Wells Fargo did tell me ( and I've learned ) some interesting things. In the letter they said that my transaction was initiated on XX/XX/XXXX. It did. They also say that this transaction did not post until XX/XX/XXXX ( 2 business days later ). This was after my dispute was filed and after they " opened '' their investigation. Fishy. I have attempted to recover these funds with no success. I have also filed a police report. Wells Fargo also advised my to hire a lawyer. I am not sure why they would recommend this is as I believe they are advising me to sue their institution to recover my funds.
Disputed several incorrect information on my credit report several times and Equifax fail to corrrect/delete. 

Creditor XXXX XXXX XXXX acct # XXXX is currently being incorrectly reported as an OPEN COLLECTIONS. This acct has been included in my XXXX XXXX XXXX that has been XXXX and should not appear on my report. 


Creditor XXXX XXXX acct # XXXX is included in same XXXX XXXX XXXX that is XXXX and should show XXXX balance or DELETED. 


Creditor XXXX XXXX acct # XXXX is included in XXXX XXXX XXXX XXXX and has NEVER been LATE. Incorrectly reporting XXXX days late. DELETE at once. NO PAYMENT HISTORY SHOULD BE REPORTED AS LATE AFTER XXXX XXXX FILING DATE.
Received an Amazon store card over a year ago and recently payed over 1000. to pay off debt the beginning of this year. After doing so they cut my credit limit to XXXX which messed up my credit score. I  called to ask them why? They claimto do a random " credit check '' and said my income changed. I said, " well I just paid off my card and I have made on time payments and they refuse to help me. I also set up auto draft from my account but, I had to change bank accounts and forgot to change my info online for my accounts so in return, I was late but I contacted them to let them know I had to mail a payment off because I did n't have a checking account anymore. Then they said because I had made a late payment that they are closing my account even after communicating with them about this issue and when I go online to check my account because I enrolled in a paperless mailing, it does n't say I 'm late. It says they received payments for a payment that they said they did n't receive. I have been making on time payments until this year and when I was late I called and also payed fees when I had too. I feel like I 'm being personally attacked because I payed off such a large debt in one payment. My boyfriend has an amazon card and has been late more than me and they never cut his credit limit or closed his account.
Experian refuses to delete a paid judgment. I sent them the document stating that the judgment has been satisfied, and according to NYS 5 year rule, it should be off my report. Experian told CFPB, that the judgment is not on my report, but that is a LIE, it is still on there and still marked as unpaid. This is my second complaint to CFPB, if Experian does not remove this judgment I have no choice but to sue. The judgment is paid, I sent them the paper that shows it is paid, I called the court, the court says it is paid, it has been 5 years I an a New York State resident, why is this still on my report? If Experian actually investigated they would know that the judgment is paid they obviously did not investigate anything. 
XXXX Experian Identification number {$14.00}, XXXX civil claim judgment XXXX XXXX XXXX. 
Date filed XXXX, 2011.
I received a letter by mail in XX/XX/2016 that my loan qualifies for XXXX School discharge and it would be discharged. Well years later my loans were not discharged. XXXX sold my loans to Navient and Navient is pretending like they never heard of this. I have fought for years with XXXX. Now that the loans are transferred to Navient, they stated I have to start the process all over. I have 4 loans from XXXX  school that totals {$7000.00}. I just want this taken care of so I can pay my legit student loans. This has hurt my credit score and interfered with finding a home.
A collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX was reinserted on my Experian account as a newly opened collection account. There are four different discrepancies that I would like to address related to this account. 1. If any information has been deleted from a consumers file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. The initial collection resided with XXXX XXXX and was deleted from my XXXX credit report approximately on XX/XX/XXXX. I did not receive any type of notification that this account would reappear on my account as a new collection. This is a Fair Credit Reporting Act violation. 2. The balance due is incorrect. 3. The date of service is incorrect. 4. This account reflects an open date of XX/XX/XXXX. This is NOT a new account and was originally placed on my credit report on XX/XX/XXXX with an expected date of removal in XX/XX/XXXX. A collection agency, no matter when an account is received can not re-age an account. They have added XXXX XXXX years to the allowable allotted time that this account should be reflected on my credit report. Again, this is a Fair Credit Reporting Act violation and illegal!
Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved
To whom  it may concern, I have sent correspondence to all three credit bureaus regarding public reco rds ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as the parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.