WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX just happened to occur on a Sunday. Herein begins my saga. 

I use XXXX web bill pay to pay my mortgage which I obtained through XXXX and which is now serviced by Nationstar. 

The payment was sent early because the XX/XX/XXXX was on the weekend, so on the XX/XX/XXXX when Nationstar received my payment, it was applied to principal, not the contractual payment. When I received the late notice onXX/XX/XXXX, I called immediately to try to figure out what happened. I was told two things : My early payment was applied to principal but that they could reverse the payment and apply it to the contractual payment ; second, my payment was about {$40.00} short because my escrow had increased and it increased my mortgage payment. I was also specifically told that they do n't send a negative report unless its over {$100.00} short. However, come XX/XX/XXXX, the payment I made on XX/XX/XXXX again was n't applied and the additional payments that I sent do n't reflect on my statement. I have called twice in the last week only to have the exact same conversations. Each time, I am told that the request to apply my payment to the contractual payment has been made and that it should reflect within 24 hours. To date, they still can not figure out where the additional {$91.00} in payments have been applied. I am beyond frustrated, there appears to be no end to the phone calls, no solution in sight, no hope of actually figuring out where my money has gone.
I applied for this account and was approved in 2016. I requested to have XXXX XXXX as a authorized user on the account and apparently he then added himself without my authorization as a joint applicant. I was under the impression the account was still open but he took it upon himself to close the account due to divorce. we were never a married couple and he had no authority to do this cause I never approved putting him as a joint.
I want XXXX, XXXX and Trans Union to add my employer/employment information to my credit report. I want the following employer/employment added to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CO XXXX, XXXX, Position : Chief XXXX XXXX ( XXXX XXXX Salary : {$300000.00}
I just received a call from Convergent Outsourcing to call them back at XXXX because they are trying to collect a debt I owe. The call was automated. I just refinanced student loans two days ago and am absolutely positive that I do n't have any debt that I am currently behind on. I did a quick XXXX search to see if this entity has emerged in other complaints, and it seems that it has a notorious online presence. There is even a law firm XXXX that has information regarding this entity on their website.
NationStar has XXXX in less than 6 months reported erroneously Loan No. XXXX. I received a letter from there research Dept in which they acknowledged an error in reporting this information and the correction and updates to credit bureaus to be performed in XXXX 2015. After having made the corrections and updates, today XXXX/XXXX/2015 they have again fro a XXXX time reported erroneously this loan information on my credit profile and have directly impacted my credit worthiness reducing my credit score by more than XXXX points from XXXX to XXXX. 
Because this is already a XXXX time I would appreciate an investigation and any all sanctions applied due to clear Violations of FCRA. 
I may be contacted directly at XXXX or email at XXXXXXXXXXXX. 
Kind regards,
They called saying the loan I had applied for was accepted. Due to my good behavior of paying debts/bills on time, no criminal history, and I was awarded this money as a grant and I would not have to pay this back. 
The number associated with this was ( XXXX ) XXXX and ( XXXX ) XXXX XXXX XXXX was the name given. You could hear a lot of people in the background so it did sound like a call center.
I was shocked when i reviewed my credit report and found a late payment on the dates below : 30 Day Late - XXXX XXXX 30 Day Late - XXXX XXXX I am not sure how this happened, I believe that i had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
This happened during the year of XX/XX/2016 where I had XXXX emergency visit to XXXX for XXXX. During the time, my insurance had my out pocket cost capped at XXXX dollars of medical payment. I have paid my XXXX dollars of out pocket and yet there are emergency room bills that should n't be charged to me at all still kept reminding me that I have to pay the bill. I have contacted the emergency service and my insurance multiple times and yet the bill still went into collection.
I submitted an application for a loan modification to Caliber Home Loans. 
They asked me to provide information which I did, they asked for several things they were : Profit and loss statement, a letter of verification and a credit report authorization. I faxed all of these to them. I have fax reports showing date they were faxed. 
On XXXX XXXX, I received a phone call and a letter saying I was refused a loan modification because " you did not provide us with the documents we requested '' This is not true. I sent in everything they asked for and have proof that I did so. They did not even evaluate my documents
I keep receiving robo calls from XXXX with a message that identifies the caller as " XXXX XXXX XXXX XXXX attempting to collect a debt. The first call was received X/XX/2017 and the second call was received X/XX/2017. They ask for me by my middle name, which is the name I go by personally, but any service or business transaction I register under my legal first name. I also know for a fact that I do not have any delinquent debt. I just bought a home a few months ago and had an excellent credit report then ( upper XXXX ). My first mortgage payment has not even come due at this point, and all other services I pay for are up to date. I had a utility bill go a few days past due by mistake but it was paid off before service was even at risk of being shut off, much less the delinquency being reported to a credit or debt collection agency, so I know there is nothing due here. I assumed this was a phishing scam, but recently read reviews online of others who have had problems with this phony debt collection scam including having the fake debts listed on their credit report. The reports also state that calls to this company are met with rude people who claim they can not divulge who the debt is for and only wish to collect your credit card and social security information to pay it. I do not wish to have my credit damaged over this false claim by this dubious company.
have sent 4 dispute letters over the course of 5 months to the reporting agency disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
I recievely had my credit pulled, and was informed that I had collection with Franklin Collection Services for an    XXXX   account that I never had. I never recieved anything from  Franklin Collection  regarding the debt, verifying the debt or proving the debt was mine.
On XXXX/XXXX/17, our car was involved in an accident. On XXXX/XXXX/17, it was deemed a total loss by insurance. The XXXX payment was made on XXXX/XXXX/17 and cashed by the lien holder. The pro-rated bumper-to-bumper warranty refund check was received by the lien holder on XXXX/XXXX/17 and cashed by the lien holder. The lien holder advised me that my next payment was due on or before XXXX XXXX, 2017. 
On XXXX/XXXX/17, a settlement check was rendered and mailed to the lien holder certified mail. On XXXX/XXXX/17, the lien holder accepted the check but did not cash it. On XXXX/XXXX/17, the insurance check was cashed. On XXXX/XXXX/17, the load showed closed / paid in full. 

On XXXX/XXXX/17, the lien holder mailed a First Notice of Right to Cure Default against me when the loan was paid in full and closed prior to this mailing. 

On XXXX/XXXX/17, I received the XXXX/XXXX/17 mailing of the First Notice of Right to Cure Default and to advise me that I neede to pay {$930.00} on or before XXXX/XXXX/17 or surrender my vehicle to the lien holder. 
It is obvious to me that no one there knows which department does what at any given time. This loan has been paid off and the note is satisfied. The Lien Release for the account was mailed directly to the insurance company on XXXX/XXXX/17. The insurance company took possession of the car on XXXX/XXXX/17, took possession of my title XXXX/XXXX/17, and obtained the lien release from the lien holder after XXXX/XXXX/17.
1. Provident Funding purchased my Mortgage Service Account from XXXX XXXX and assigned Provident Funding Number XXXX to my account, XXXX for short. 
2. XXXX XXXX XXXX XXXX coordinated an electronic payment interface with Provident Funding Accounts Receivable Personnel. 
3. Electronic Payments Due XX/XX/XXXX and Due XX/XX/XXXX were successfully conveyed from XXXX XXXX XXXX XXXX to Provident Funding. 
4. Electronic Payment Due XX/XX/XXXX, was delivered on XX/XX/XXXX in the previously normal amount of {$970.00} Subsequently, a second electronic payment in the amount of {$72.00} was delivered on XX/XX/XXXX for a Total XXXX Payment of {$1000.00} executed on time. Processing both experienced no obvious anomalies. 
5. Electronic payment XXXX XX/XX/XXXX was delivered successfully on XX/XX/XXXX suggesting no electronic systems problems may have occurred. 
6. I have no further external information to contribute.
Navient has NOT processed any of my paperwork and failed to notify me every single time. They have continually created obstacles for me. The only reason I know that nothing continues to be done is because I am persistent with calling. They have continually created obstacles to repayment by providing bad information ; processed my payments and paperwork incorrectly ; failed to act when borrowers I have repeatedly complained ; illegally cheated me out of their rights to lower payments. And for some odd reason my student loan amounts continues to grow even though I 'm not in school and I have processed paperwork on my end.
We were in trail modification payments with Bank of America XXXX ( XXXX ) times and they never gave us a final modification. We paid over {$30000.00} in trial payments to Bank of America. 
and then they transferred our loan.
for a while i was being billed monthly charges from Bank of america. I addressed these charges and they were waived as i was told that i needed a direct deposit totaling a minimum of $ 250/month. So i started directly depositing {$120.00} from each payroll check that totaled $ 250/month. I received another charge last month and called in to BOA. I was told that i was misinformed and that it is supposed to be $ 25/pay period/deposit. So, again, i revised my contributions to $ 250/pay period to meet their requirements even thought i was misinformed. I called in today about the charge and was informed that i am out of luck and that they have already refunded charges before. That was not at my request but at a branch managers decision to retain me as a customer as i was there to close out my account. Regardless, i was told XXXX thing to avoid the monthly fees and i did exactly what the representative stated. Then i was charged again, so i switched again and was informed that i may get another charge and to just call in. I spoke with XXXX at BOA in their California call center who was polite but refused to assists. I cant help but have concern for myself and others in regard to receiving incorrect information from BOA and then turning around and charging customers for their under-advised reps. I would like for my account to be credited the monthly maint fee as i did what they asked every time. I would be open to a class action suit to see if others were experiencing this bad business practice.
In XX/XX/2018 I needed to buy a new used car, I started to submit applications for USED VEHICLE LOAN with XXXX, and my Credit UNion. My Credit Union In DC offered 2.4 % and I was working on to get this loan. 
IN meanwhile I shopped for other auto loans all around including with XXXX, with Credit UNion and thru my dealer, XXXX XXXX of XXXX. 

I recognise hard inquiries from XXXX x 1 inquiry, I recognise 1 Hard INquiry from Credit UNion, and I see 1 hard inquiry from XXXX XXXX and 1 from XXXX. 

However, I was surprised to learn that there is fourth hard inquiry from and by ALLY FINANCIAL of either MN or XXXX XXXX CA. 


I did not apply for a AUTO LOAN to ALLY Financial. 

Moreover, I am horrified to learn about HOW MUCh INFORMATION is there on my ordinary XXXX  credit report about me and about MY PROPERTY- I presumed that ALLY Financial consider my HOME in form of COLLATERAL against AUto LOAN?? are you kidding me? 

that I will place my HOME as a collateral against car??? 

UNHEARD OF!!! 

When I received this Credit Report from XXXX, in XX/XX/2018 and I studied it, I realized that there is ALLY FINANCIAL whom i do not recognise. 

I was horrified about how much information ALLY Financial Provided about me on XXXX  C Rep. 

The information on page 3 is taken from the District of Columbia Real Estate LAND OFFICE, where there is a confidential information about my property FOR YOUR EYES ONLY! NEED to know basis. 
However now everybody who is not lazy can dig out my C Rep and  read it like a novel. 

I protest against such a violation in my privacy and disclosure of my property information on ordinary credit report. 

It is very upsetting. 
I dont know who these people are. ALLY Financial. 
And I want this report to be OUT from my Credit Report. 

I called to XXXX and I asked XXXX to remove it. 

In XX/XX/2018 I was still weak after my 5 hours XXXX in XX/XX/2018. 

But now i am strong and this hard inquiry -- disclosure is not recognised by me, I did not do it, I did not made my home as a collateral against auto loan. 

I want them ( ALLY ) to remove this piece of hard inquiry by Ally Financial from my Credit Report on XXXX. 

PS I received several mailers from ALLY FINANCIAL. I wanted to save it to include to my complaint, but alter I threw it away. 

however, I collected now all double inquiries and unknown to me inquiries like Ally Financial, and I am filing complaint against this abuse I dont know who these people business are. 

I have nothing to do with them. 
And I would NOT I would NOT place my home as a COLLATERAL against a auto loan. 

It is just a car no matter if it is XXXX or XXXX. And My VA home loan guarantee is a HOME. 
Home is Home. It is in the BIBLE : SHELTER CLOTH and FOOD. There is nothing about CARS in the BIBLE.
They did not send a written validation notice ... .they contacted and left message with a family member ... no mailing address was given ( theirs ) ... no collection license # given ... the account id number they gave me:XXXX ... {$310.00} (?? ) owed ... threatened to send someone to my home ... no email given to me ... names : XXXX XXXX, XXXX XXXX ( xt # XXXX ), XXXX XXXX ... XXXX.
I have a tax lien on my Equifax report. I sent them a letter asking them to please send me verification that this is in fact my debt. When i saw it on my report I called the agency reporting the tax lien and the phone number is disconnected so how could Equifax legally come back to my request and say they verified the info is mine when clearly they did NOT? If your allowing them to simply get away with this please send me the next steps to pursue legal action this is n't right not XXXX time have they sent me anything back verifying the lien. Also I sent them letters asking them to remove the closed accounts on my report that have been there over 7 years and nothing has been done. This is clearly criminal action I want these items removed immediately or I will take further action. The tax lien case will be easy Equifax said they verified the info yet the number they said they called is disconnected and has been for over 6 years. If Equifax is going to continue to lie to me I will certainly use this document when I file charges against them. I have been asking them for over 8 months now.
AR Resources has once again attempted to collect on a debt that I have previously disputed as not valid. I submitted a case through this portal on XXXX/XXXX/2016 which they declared to remove the collection and cease collection on XXXX/XXXX/2016 I received another collection letter from AR Resources collecting for the same debt and also stating this debt will be reported on my credit report. They need to cease collection and leave me alone.
I recently paid off my installment to XXXX XXXX for purchasing a few items. When I paid the debt I was informed everything was good to go. I was not informed of any negative information that was going to be reported to the bureau 's saying that I had failed to pay. I was not given any warning statements of any sort. Never once did they report anything positive to the bureau 's but decided to report negative information. I do not believe that is fair to never report anything positive but feel the need to report negative information.
Name of Creditor : MOBILOANS LLC Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, LA XXXX Re : MOBILOANS LLC Amount : {$760.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
I disputed with the CFPB and the company stated they were unable to validate the account. The Fair Credit Reporting Act states that information that is found to be inaccurate or can not be verified must be deleted from my credit report.
In XX/XX/XXXX, I was XXXX and put on XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XX/XX/XXXX This case has been satisfied and completed. XX/XX/XXXX is 7 years this information came back as current as of XX/XX/XXXX. This charge & offense should have come off my background, AFTER 7YRS This has caused me employment client name : XXXX XXXX  XXXX client account number : XXXX THANK YOU IN ADVANCE FOR YOUR TIME XXXX XXXX XXXX
Centric Asset Management has been calling my work phone and leaving messages that state XXXX legal actions are about to be filed against me. The last call was from their " Chief Investigator for Pre-trail Processing ''. They state that not calling them forfeits my rights and they are going to contact my company 's XXXX department. Also by not calling them it is documented as a " refusal '' on my end and that the cases will move forward in XXXX County ( Minnesota ). 

All of my debts were discharged in a Chapter XXXX bankruptcy in 2014 and I feel as if they purchased uncollectible debt and are using scare tactics to illegally extract payments.
Ist the XXXX XXXX - reported erroneously that I was over 30 days late, which I was not - they even reported before 30 days Payment is Due every XXXX of the Month - which was Paid on the XXXX ( see attached payment from my Bank ) XX/XX/XXXX XXXX XXXX reported I was 30 days Late - I received an email from Experian, XXXX  and XXXX on XX/XX/XXXX that my Credit Score dropped 100 points because of this - as mentioned above payments are Due on the XXXX - which means it is not Late until XX/XX/XXXX ( I immediately filed Disputes with each Credit Agency on the XX/XX/XXXX after the payment was cashed and 12 days before it would be late ) I guess they did there diligence - and ask XXXX XXXX if their report was correct, which again it was well within the time frame and if they did not have payment - it still had another 12 days before it was late. 

This is ludicrous that they report me late before the day and after they were paid?? 

( so I pulled the month prior XXXX payment same thing paid and they received well before due ) XXXX XXXX needs to be Disciplined - meanwhile, because of the false reports, my Credit is Devastated my FICO Score
i was under the belief i was working on remod with ocwen - in fact the day before in mail i had gotten i request for more documents- and they kept telling me foreclosure date was not set it was still open- because of remod- and i believed them and they lied and foreclosed on house and took.
An account that was not established by me was erroneously reported to the 3 major credit institutions. This complaint is regarding Equifax. I disputed the account with them, during which I provided a brief statement that the account was unknown to me. They closed the dispute simply stating that my credit report had been updated with that short comment when the appropriate response was to follow up on the incorrect entry and have it removed. Called and after spending 30 minutes on the phone I was able to verify that no action was actually taken to investigate/remove the incorrect account.
Attempting to collect on a debt that is not only past the statue of limitations, but its also a debt that I do n't owe. They are continuously calling and harassing me.
XX/XX/XXXX Santander opened my closed/written off debt account that had a $XXXX  balance since XX/XX/XXXX and changed my terms from 72mos to 81mos and changed my balance from $XXXX to $XXXX. I disputed with bureaus as fraud. Bureaus allowed Santander to add that amount. On XX/XX/XXXX Santander, once again, opened my closed/written off debt again, and changed my $XXXX balance to $XXXX and also reported me as late/missing a payment which dropped my score 41pts and changed my 100% payment history to 98%. I disputed with the bureaus again. My balance changing twice within  eight months on a closed/written off account. I also phoned Santander and was given two totally different amounts owed. Once I read my credit reports to them, I was met with hostility and told, the debt isn't going away whether I like it or not. I asked to speak to a supervisor. XXXX XXXX got on the line. He stated the only balance he saw was for $XXXX  as of XX/XX/XXXX. I reiterated the events of XX/XX/XXXX and current day. He stated that he isn't aware of the company being allowed to open a closed debt and tack on monies and change the debts terms. I was told by him that he'd get to the bottom of it and call me back. 12days...XX/XX/XXXX later, I've yet to hear from him. My credit reports have not been fixed.
Contacted XXXX on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the XXXX inquiry issue that re-reports old inquiries previously removed. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Account Paid in full/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CH. XXXX BANKRUPTSY XXXX FED COURT-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX