WillisBack/dataset-financial-user-claim huggingface dataset:
We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at the time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.
I went the West Asset Management/XXXX because of I work inquiry and was put in the hosiptal. I told them at that time my job workmen compensation was going to pay for it ; however the sent this to collection and now will not removed it even now that it is paid in full.
I had been harassed by USAA for 8 months. They had been telling me that I was past due of about 83 days. I had been paying the car note on the XXXX XXXX every month from XX/XX/XXXX-XX/XX/XXXX but they kept saying that I owed them more. On XX/XX/XXXX, I paid them {$440.00} for XX/XX/XXXX and XX/XX/XXXX payments. I called them back in XX/XX/XXXX to make a payment of {$220.00} and they told me that my car was up for repossession and that I owed them about {$600.00}. On XX/XX/XXXX, USAA repossessed my XXXX XXXX and then sold it at an auction about a month and a half later. Then, they are still sending me statements in the mail stating that I owe them about {$2600.00}. When I first purchased the vehicle in XX/XX/XXXX, USAA sent me a check for about {$12000.00}. Then I went to a car dealership to purchase the XXXX XXXX and the dealership gave me a bill of sale. Also, I never got any copies of the contracts from USAA when I electronically signed the documents online when they allowed me to borrow the money. My credit score was about XXXX then when they repossessed it, my credit score dropped all the way in the XXXX. I ca n't get any more credit because of them. USAA is not for us Military Veterans. They are a major rip-off. Something needs to be done about this ASAP!!!
AARGON is reporting a medical collection on my credit report that they have re-aged in an effort to do damage to my credit and thus force me to pay them when I am in dispute. It is a medical bill that my insurance company was billed and they paid. I do not understand why they feel their is still a balance. I have asked for an itemized accounting of the bill many times but never have received it. They have not validated the debt yet they are reporting it, re-aging it, and it is a duplicate. They are also reporting it under " XXXX '' on my report as opening XX/XX/XXXX. So to summarize they have never attempted to validate this debt despite my disputes, have re-aged and duplicated this alleged debt.
I am not aware of this debt, Please help to remove from collection report / credit report asap.
I currently have 3 credit cards with NFCU, and all of the sudden NFCU turned off 2 of them. I called NFCU to see what happened and they stated they were turned off and my 30 day window to turn them back on had passed. I was not given no prior notification from them that this was happening. NFCU has a past of doing illegal things
I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XXXX XXXX XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX   contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA and XXXX XXXX  guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
JP Morgan restricted my checking account ( my money, NOT theirs ) twice for no reason, however, they thought it was reasonable to restrict. It happened on Wednesday, XX/XX/2018 and again on Friday, XX/XX/2018, which were very close to XXXX shopping and XXXX gathers. It had been extremely XXXX XXXX, with my XXXX XXXX. I had been struggled to save this checking account due to direct deposit, debt relief payments, mortgage payment, XXXX, and others. It had been VERY hard to make the phone calls and change the payments due to my XXXX XXXX. Also, when my checking account was restricted on Wednesday early morning, XX/XX/2018, I called JP Morgan 's Customer Service, at XXXX, however, they won't help me as well as they strongly did NOT accept the interpreting service. With XXXX   XXXX, I tried and tried and tried to explain them about my XXXX  XXXX and to desperately need their help to save my checking account, however, they stubbornly didn't accept the interpreting service. It had been EXTREMELY frustrated.
On XX/XX/2018 i received a copy of my credit report from XXXX, XXXX, and XXXX credit report companies. The company named XXXX XXXX XXXX has reported false credit information to the three bureaus. I have contacted them on numerous occassion and to no resolve they continue to report false information to the credit bureaus. First, i do not have an account with this company. Nor there is no agreement with this company that has listed on my credit reports as tho i have established a relationship with them as of XX/XX/2018. XXXX XXXX is engaging in fraudualent acts by electronically reporting false, untrue information to benefit their company. Midland is aware that the facts of this reporting to the credit bureaus mentioned is FRAUD. I do not owe Midland XXXX   dollars. I have asked repeatedly for a contract or some type of proof which they have not provided because there is NONE.
on XXXX XXXX 2015 I paid my delinquent loan in full at XXXX in the morning. Later friday checksmart present my check to the bank and my account was debited another XXXX. I noticed this on Saturday and i told them about it. I bought them proof that my account had paid the check and I also had paid the full amount that day.
CITIBANK CREDIT CARDS HAD AN ORIGINAL LINE OF CREDIT WHICH WAS DECREASED ARBITRARILY, RESULTING IN LOWER FICO SCORE. ( I.E. XXXX CARD {$5000.00} CREDIT LINE - CHARGES OF {$1500.00} - 31 % DEBT RATIO & SCORE OF XXXX. WHEN BALANCE WAS PAID DOWN TO {$1100.00}, CREDIT LINE WAS DECREASED TO {$1300.00} - CREATING A DEBT RATIO OF 91 % XXXX XXXX CARD - ORIGINAL CREDIT LINE AT {$2000.00} WITH CHARGES OF {$600.00} 30 % DEBT RATIO - THEN DECREASED CREDIT LINE TO {$500.00} INDICATING BALANCE OVER CREDIT LIMIT! MY FICO SCORE HAS DROPPED TO XXXX! ALL PAYMENTS HAVE BEEN MADE ON TIME, SOMETIMES EARLY, AND FOR MORE THAN THE MINIMUM AMOUNT. IS THIS HOW PEOPLE WHO PAY BILLS ON TIME EVERY MONTH ARE TREATED? HOW CAN ANYONE COUNT ON ACCURATE CREDIT SCORING WHEN CITIBANK IS USING UNETHICAL PRACTICES?!?!?
XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks Consumer disputes this account information
XXXX, I applied to Bank of America to refinance my mortgage - Single Family Residence. I currently have a mortgage and HELOC at Bank of America. All was well - my credit score was good, my appraisal showed I had enough equity to refinance, I was able to show I had funds to bring to closing, etc ... My application was rate locked until XXXX XXXX, 2017. We were getting ready to go to closing but BOA requested proof of funds for closing and a copy of the master/blanket hazard insurance policy in the name of the XXXX XXXX XXXX ( XXXX ) association. My HOA President had never heard of this request nor had their insurance company. We were approaching closing soon - expected XXXX XXXX, but Friday, XXXX XXXX I had not heard anything and we were going into a XXXX day weekend. I called the loan specialist and left a message on the phone and email. That evening the loan specialist called me and asked if I had heard from my loan officer and I had said no. She then informed me that my loan was being denied because of my HOA 's co-insurance and she could not explain to me why. Late that evening, my loan officer called to apologize. He wanted to wait to call me because they had submitted for exception. His entire office and including his manager had never heard of this before. He could n't even explain the reason. Tuesday, XXXX XXXX he called back and said the exception was denied but that my case has been discussed by all sorts of upper management and there may be still a VERY slight chance we could get an exception. I asked again about the insurance and all he could say was that my HOA carries 100 % Co-Insurance and that the requirement is no higher than 90 %. He could n't tell me whose requirement or what this meant. He still did not understand the condition of the denial himself nor did his managers. I requested that I receive a DETAILED reason for the denial. I explained that I needed to know if this was a Bank of America, XXXX XXXX XXXX, FHA ... requirement. I need to know this so I can understand if my home is worthless because no one will be able to buy my home because they ca n't get a loan due to the HOA having 100 % Co-Insurance. I need to take this DETAILED letter to my HOA. I also requested a refund of my fees that I initially paid because if my HOA having less than 100 % insurance is a condition than that should have been presented at the beginning to me before I wasted almost two months of my life and my funds. This was the first holiday after losing my husband to a XXXX year XXXX. Needless to say, things were already a bit stressed for me and my family. My loan officer told me that he would call me the next day - that was the XXXX and now it is the XXXX and all I got was a Notice of Action Taken with the only words for the denial being - Insufficient insurance coverage. 

Please help me get a more detailed reason. This all went very badly and ended very strangely. It just does n't feel right. As I said above, the entire office had never heard of this and the loan officer has been in this business for twenty years.
I had a mortgage account ( XXXX ) with XXXX XXXX XXXX XXXX for a residential property ( XXXX, XXXX , XXXX ) which originated in XXXX. I was late on some payments due to loss of business income. The property was underwater - I owed more than the value of the home after the economic recession of XXXX. I attempted in good faith to apply for forbearance or a loan modification. I believe XXXX misapplied payments and was charging more than was owed as far as penalties, etc. In XXXX, XXXX foreclosed on the property - the loss mitigation department insisted we had not complied with all the necessary paperwork which is false. We chose not to sue or take the case to court as we wanted to move on. XXXX ( and XXXX XXXX XXXX ) has since settled with the CFPB and state attorneys general to provide {$120.00} XXXX in refunds to foreclosure victims. I do not qualify as my home was foreclosed on after XXXX XXXX, XXXX. However, this foreclosure was fraudulent as far as XXXX 's use of robosigning documents, etc. Therefore, this item should be taken off my credit report immediately. I have contacted both Transunion and XXXX to explain why this should be taken off my credit and they have not only failed to do so but did not explain why or outline what steps they had taken to investigate with XXXX. Unfortunately, in the intervening years, I did not keep copies of my loan modification paperwork with XXXX.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. 

Please resolve this manner as soon as possible. 

Thank You.
I have been a  XXXX  customer for nearly a decade and have always paid on time. I have an excellent credit history and rating. I paid my last payment to  XXXX  for the month of  XXXX . Approximately 30 days ago I was notified that my mortgage was sold to  Nationstar. Nationstar t hen proceeded to bill me for the month of  XXXX . I called them and explained the issue and they ultimately confirmed that it was their error and that  XXXX  was received by  XXXX  and transferred t o Nationstar. I t hen asked for an amortization schedule so I can confirm that this was corrected and any possible other errors might not exist, so I would know that my mortgage was in good status. They informed me that this standard loan report was not something they supplied. How can I possibly know if my mortgage is now correct without simple data such as this? I was then transferred to a supervisor,  XXXX   XXXX , who told me she would attempt to obta in one, which she ne ver followed thru. After sending several emails to her, she then provided me with a fraudulent amortization schedule she appeared to produce thru a generic software. I responded and at this point included her supervisor,  XXXX   XXXX , in the  email trail. Her supe rvisor has never responded. She however did respond that because I threatened legal action, which I did not except to state that I would be filing a complaint with NYS, she would no longer respond and I was being passed off to the customer relations department. I attempted to call this department to try and get this settled and was told by customer service that phone calls were not permitted and I had to write a letter. My payment for  XXXX  is coming due. I 've never been late on my mortgage payment ever! They have been completely uncooperative. They will not supply a standard amortization report that the entire industry provides and utilizes. Finally, they provided me with a fraudulent document in an attempt to resolve this matter. Can you assist? Thank you,
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX The inquires are not a factual report of access to my credit report, it was placed on my credit report my mistake. I have contacted the companies and they do n't know who I am. 

These are mistakes look at how may inquires there are IT IS INSANE TO THINK THAT SOME ONE WITH MY GOOD CREDIT WOULD DESTROY IT LIKE THIS ... .THINK ABOUT IT????? 
REMOVE THE INQUIRES DO NOT USE THE e-OSCAR system give this call to a supervisor TO REMOVE THE INQUIRES PER THE FCRA SHOW HOW THE INVESTIGATION WAS DONE DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE!!!!!!!! 
DELETE XXXX DELETE XXXX DELETE XXXX XXXX DELETE XXXX THEY DOD NOT KNOW WHO I AM AND HAVE NOTHING TO SHOW I APPLIED FOR CREDIT. I DID N OT APPLY FOR CREDIT!!!! 
EQUIFAX GAVE THEM ACCES TO MY CREDIT NOT ME!!!!!!
Contacted XXXX XXXX company around XXXX2017 getting more information on the debt they say I owe. According to their records the account is no longer in their system. I then received a letter from The Receivable Management on XXXX XXXX XXXX XXXX, PA XXXX after I requested the debt to be verify. I show they are requesting payment but are not licensed in the state of Florida.
XXXX XXXX changed the status of an old account from closed to open as retaliation of my dispute i XX/XX/XXXX. also the information they provided as proof of debt is not sufficient, I requested copies of any charges I made with said car, and all they have is an old letter from XX/XX/XXXX from the original creditor telling me that I am 6 and 7, months behind on the account and that it is charged off. this does not verify it is my account and the same letters are showing the account as being charge off, yet no evidence that I used this card or have knowledge of it as I currently have accounts with XXXX XXXXXXXX. So it is reporting by XXXX as open yet on my credit file in XX/XX/XXXX and XX/XX/XXXX they reported it as closed, so now they are trying to retaliated against me as they he promised to cease all collection activities on this account thus as it is uncollectible it should be reported as closed as it was before I disputed it.
So this is my third and final attempt at reaching a resolution with Wells Fargo, As stated in my previous dispute with Wells Fargo Bank. I contacted Wells Fargo a few times about this same issue. So almost a year ago i experienced identity theft when my wallet was stolen. I had not known at that time that there was a checking account opened in my name by Wells Fargo. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Loss prevention, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Wells Fargo. When i further asked why and explained to the phone banker that i have never opened an account with Wells Fargo. She sent me to loss prevention. Loss prevention said my accounts were closed, i advised them that i have never opened an account with Wells Fargo in my life, and that i just now have been trying as of this week. The loss prevention rep said that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the Loss prevention person, that is a mistake because i have never opened an account with Wells Fargo. The loss prevention person then transferred me to identity theft operations. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Wells Fargo but it appears someone has tarnished my name with them by opening an account and using it fraudulently. Which i was not aware of until just recently. I am attaching XXXX as well as my IDTheftReport and the response from Wells Fargo as of last time. 

Wells Fargo advises they are researching this issue, yet they are still reporting information to XXXX XXXX Services stating that i had opened these accounts and the accounts were " Closed for a Cause ''. First of all i never opened the Checking Nor Savings Account, Nor Credit Card. As i have mentioned numerous times to Wells Fargo, I tried speaking with Online Fraud which told me they couldn't help me that i needed to come in Branch. Going into a Wells Fargo branch does me no good as i haven't ever banked there before, and Wells Fargo is internally reporting me as a risk to the bank yet i never opened these Checking, Savings and now i am learning an investment account was opened which i also did not do. My Email was hacked. My Identity was stolen, and these accounts were opened as a result. They also previously forwarded my mail and stole my Email these crooks. I had to have the USPS help me get my mail again. Wells Fargo hasn't even reached out to me with any information. They did not provide resolution and continue to report internally false information.
On or about XXXX XXXX, 2015, i received a bill purportedly from XXXX XXXX XXXX regarding an amount due by XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a telephone call from Diversified Consultants, Inc., regarding the same amount. I was told that I was delinquent on the debt and that the caller represented a debt collection agency. I told the caller that I would have to check with AT & T before proceeding and ended the call. On XXXX XXXX, 2015, XXXX XXXX XXXX confirmed that I did not have any past due balance, that the account number listed on the purported bill is not an XXXX XXXX XXXX account number, and that the mailing address on the bill is not an XXXX XXXX XXXX mailing address. I called Diversified Consultants, Inc. on XXXX XXXX, 2015, to inform them that the debt in question was based on a fraudulent bill. I was told that the account had been closed earlier that day, and that I no longer owed any money. I believe that Diversified Consultants, Inc., alone or in collusion with one or more other persons or entities, is conspiring to commit fraud through the collection of debts that do not exist.
This company collects for XXXX XXXX XXXX Court, it was for an old red light camera ticket that I was never aware of. what happened is it came to my attention when they intercepted my state tax refund, then I contacted them and paid the remaining balance. I had paid this debt around XXXX of 2014 to XXXX. I asked XXXX several time for proof the debt was paid they would n't provide it. They did say the account would be reported as paid to the XXXX major credit bureaus. Later on 2014 around XXXX, a property management company pulled my credit for approval on a rental. They informed me of a negative item still showing. This alleged still outstanding debt. I contacted XXXX yet again, they informed they had done the reporting as paid. I informed them it is still showing, and it needs to be resolved ... Now this year I pull my free credit reports as allowed once a year and again ... This is account is still showing as a derogatory item on my XXXX report! This Company is in direct violation of the FCA and FDCPA. My attempts to resolve this with them have failed they are n't following through.