WillisBack/dataset-financial-user-claim huggingface dataset:
Good afternoon, In response to CASE NUMBER XXXX - EXPERIAN AND XXXX added MORE DAMAGE reporting a XXXX CHARGE OFF to an account that is already CHARGED OFF. 

I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

XXXX XXXX had the XXXX lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XX/XX/XXXX. XX/XX/XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

XX/XX/XXXX I discovered XXXX was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through Experian XX/XX/XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XX/XX/XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, XXXX XXXX eliminated the monthly obligation and updated the status to a charge off as of XX/XX/XXXX. 

Now my credit report says I have a RECENT LATE as of XX/XX/XXXX and XX/XX/XXXX - but the last time I was late with payments was XX/XX/XXXX. XXXX recent reporting of my charge off occurred in XX/XX/XXXX and now XX/XX/XXXX because of my recent complaint. They updated their records to reflect CHARGE OFF XX/XX/XXXX. Their adherence to erroneous reporting makes lenders and other affiliates assume I was recently late on my obligations. I DO NOT HAVE A CHARGE OFF AS OF XX/XX/XXXX or XX/XX/XXXX. But as you can see on the evidence provided I was NOT late on any payments in XX/XX/XXXX. ( I have n't been late on any payments since XX/XX/XXXX. ) How could I be late on an account that has been closed since XXXX? Compass wrote that the balance is past due as of XX/XX/XXXX and now XX/XX/XXXX but I was 120 days past due from XX/XX/XXXX. 
LENDERS will NOT approve me for a mortgage because it says I was recently CHARGED OFF. How can I now have XXXX CHARGE OFFS on XXXX ACCOUNT? 
I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XX/XX/XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. I DO NOT HAVE A CHARGE OFF IN XX/XX/XXXX OR XX/XX/XXXX. THIS ACCOUNT IS FROM XX/XX/XXXX. CLOSED IN XX/XX/XXXX. YOU CA N'T REPORT ON A CLOSED ACCOUNT. 

Per Experian my Time Since Negative is .1 years ( point one years ). Please help. I have n't been late since XX/XX/XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XX/XX/XXXX. 

Thank you kindly. 

XXXX XXXX
I attempted to make my first mortgage payment to  US  Bank before the due date by phone  XXXX   XXXX   XXXX   XXXX .  US  Bank informed me that they would charge me $  XXXX  {$5.00} as a service fee if I wanted to pay by phone. I hung up as I would make the payment next week ( on  XXXX   XXXX  ) once I had internet access and could pay online.     On  XXXX   XXXX ,    2017 I  attempted to set up automatic payments, but was informed that the first payment could not take place until  XXXX  as it was now past  XXXX   XXXX . I set up automatic payments and then undertook the additional process of making a  one  time payment. I noticed that I was going to be charged a {$5.00} convenience fee for paying online. I called  US ba nk to try to identify a no fee way to pay my mortgage, and they informed me that I could open  a US B ank account to avoid the fee if I wanted to. They refused to waive the fee, even as a  one t ime courtesy.     I suggested that they  may be  in violation o f Dodd Frank, as this fee was never disclosed to me in the mortgage signing process. They assured me th at this is how they treat all of their customers.     I lost {$5.00} because of this deceptive practice.
I have an account with XXXX XXXX XXXX XXXX. XXXX  XXXX change the Account number at XX/XX/2017 Experian use to report that account every month. I dispute the account balance one time to Experian. after that they stop report the account every month as they should. Several calls made to XXXX XXXX supervisor and several calls made to Experian with XXXX XXXX on line ( 3 Way calls ) to insert the account. No, responses from Experian. XXXX XXXX told me many times that they sand the farm to Experian to insert the account an Experian said we did not received any letter from XXXX XXXX Vis versa. that account reported before by Experian and been reported by XXXX and XXXX.
I have a credit card account with Citibank ending  XXXX . For three times Citibank decreased my credit limit, to approach my debit balance. My credit reports from all the credit bureaus show a good standing for all credit cards at all banks. I have never been late for my payment, and always pay almost ten times the due amount ( see attached report of  XXXX  ). When I started the account, Citibank determined my credit limit, and based on this, I could make a balance transfer, which I am paying each month, to avoid any interest accrued. However, because Citibank decreased my credit limit, this had a negative impact on my credit score, and hence Citibank decreased my credit limit as my credit score lowered, which occurred for three times. This attitude of Citibank has never happened with any other bank.
If a bank has the right to make his own policy, the bank does not have the right to abuse the rights of his own customers. Citibank should adhere to preserving the just relation between the customer and the bank, if the customer is at a good standing. Citibank should never work against the customers benefits nor deprecate their good standing out of unsubstantiated reasoning.
We have a mortgage and Select Portfolio Servicing is the servicing company. We have made repeated attempts to get a payoff so we can pay our balance in full. First they told us it takes 72 hours. When 72 hours passed they then said it takes 5 business days. I know other servicers can have a pay off in 10 minutes. This mortgage accrues interest daily and I am not being allowed to pay it off!
Paypal started a credit card in my name without my express permission. This was after I used Paypal to make a purchase in 2015 for a one-time expense.
This involves a dispute that was resolved in my favor in XX/XX/XXXX, for a XXXX service by XXXX XXXX on XXXX XXXX XXXX. 

The service was done without any disclosure of the pricing, after which I was forced to pay the sum of {$3100.00}, - for a facial service lasting less than an hour. I was told I could dispute it or ask for a discount after the fact. 

I won the dispute providing evidence of other merchants in the same line of business, who stated that the charges were more than outrageous, as common sense would tell you. 

You 'll understand my surprise to now learn that the merchant engaged debt collectors after agreeing to resolve the dispute in my favor and releasing the charge made. 

I have gotten in touch with the debt collector and explained my situatin. I was asked to put things in writing, so I did, also providing proof of the dispute being resolved. I was told my case would be discussed internally.
In XX/XX/2017, I discovered fraudulent activity on my Best Buy branded Visa credit card. I immediately called the issuing company, filed a fraud complaint which went smoothly, the account closed, investigation opened and a new card issued. On XX/XX/2017 I received a letter that reads " We are writing to inform you that we completed the investigation on your " My Best Buy Visa Platinum account. As a result, we removed the disputed charges and any related fees and interest charges from your account. '' I have since started receiving calls from Citi card services which is the issuing bank for the card. The system is an automated dialer that will leave a pre recorded voice message, but when I answer the call, the system disconnects with no messages. I called the customer service number on the back of the card, and the system tells me I have an outstanding balance that is past due. Upon further investigation, it is a balance transfer that would be equivalent to charges associated with the fraudulent activity that was reported and supposedly resolved. I have made multiple attempts to contact the company directly via telephone. Every time I call, it is a hassle to get through the automated system to attempt to speak to a real person. When I finally get to a point where I can speak to a person, I get a recording saying the office is closed, which proceeds to list business hours that I am calling during.
I am a victim of i dentity theft enclosed is my police report and identity theft affidavit. please remove and block and delete fraudulent files from my credit report.
I consolidated my student loans in XX/XX/XXXX ( after finishing XXXX ) in order to begin paying them off. I have been paying my student loans back now for 14 years ( currently {$740.00} a month ), have never been late or missed a payment, and worked for 9 years at a XXXX ( i.e., XXXX XXXX ), and now work for XXXX. at the XXXX XXXX XXXX XXXX XXXX XXXX where I have been employed for 4.5 years. However, I recently learned that I do NOT qualify for any student loan repayment programs since my loans are a consolidated FFELP. I was never counseled when I consolidated my loans with then XXXX XXXX ( now Navient ) about the difference between how my loans are consolidated and the benefits of a direct consolidation, which would have made me eligible for student loan forgiveness this XX/XX/XXXX. Do I have any recourse? My income is not bad but this {$740.00} a month is a huge amount that is making it hard to stay caught up and save. I feel I 've been prayed upon by these companies as I still have {$110000.00} left on my loan that was originally around {$170000.00}. 
I attended California XXXX XXXX XXXX XXXX, XXXX XXXX where I graduated with my XXXX XX/XX/XXXX. I subsequently did a 2-year XXXX and 2-year XXXX prior to reconsolidating my loans in XX/XX/XXXX. As I mentioned, I have never been late or missed a payment on my student loans, am XXXX years old, and was very discouraged when I recently realized that I do NOT qualify for ANY student loan repayment option unless I reconsolidate my loans again into a direct consolidation. Ironically, I just recently made the final interest payment on my loan. So, now just the principal is left. So, refinancing is tricky. But, if I do n't refinance, I 'll be paying {$740.00} a month until I 'm XXXX years of age. Needless to say, I am still renting an apartment as I have not been able to save enough to by a home. Additionally, after not missing my first four years of payment, XXXX XXXX ( or it may have been a different company at first but then went to XXXX XXXX and then to Navient ), my lender reduced my interest rate to 1.85 %. However, when it went to Navient, my interest rate somehow jumped to around 4.3 %. It is now back down to 2.75 %. Please help if possible. 
Thanks.
i applied for a new mortgage through quicken loans. i am buying the house from my wife and disclosed this from the beginning. i have never been on the loan, title or anything as she had the house before i met her. they said as long as she hadnt missed or been late on a payment in 3 years, it would be ok and not considered a bailout, which they cant do. ive went through the whole process and gotten everything done theyve asked for. we had 10 days until our closing date. on thursday i received a message from the woman i had been working with stating that she was expecting the appraisal back on XX/XX/XXXX, and would contact me within 24 hrs after to go over the closing details. the next day i got a message from a purchase solution consultant saying i need to call him. i did and he said it wasnt going to work out. he transferred me to another woman and from there i was transferred to the " executive branch '' which is supposedly the highest branch you can talk to. i asked each person why this isnt going to work all of a sudden? i was told by each person that they cant say all they said eas a senior underwriter denied it now. i had to pay a {$500.00} appraisal fee and the rest would come off my down payment. i have already gotten the approval letter for the property and everything the absolute only thing we were waiting on was the appraisal to come back l. i never wouldve paid the {$500.00} if everything wasnt good to go. the executive woman i spoke with told me she couldnt tell me the reason it was denied. i said fine at least give me my {$500.00} back because it was a mistake on their end because my loan never shoukdve gotten that far if something was wrong. here we are 10 days from closing and all of a sudden it wont work now. she said she would review the calls and everything and itd take about 2 days to go through and then she could see abiut the {$500.00} back, then said nope its non refundable. i never got an explanation as to why my loan was denied and so late through the process, and i am unable to get my {$500.00} back that never wouldve been paid id someone on their end didnt screw up. they wont return my calls or emails and won't give me an answer as to why this has happened. i told then thats fine if they dont want to help me ill give my business to another company but i want my {$500.00} back! doesnt make sense witg everything being fine and approved jl, just wait9ng on the appraisal to close, then boom, not happening. they didnt resolve my issue, ask for anymore information, and never gave the reason why its denied at the very end and why i cant have my {$500.00} back.
Hello ; I have been at odds for the last two years with all three credit reporting groups ; XXXX ; XXXX XXXX ; and Eqifax. 
I have contacted them twice about correcting my name and business history ; and then my items like available credit. 
Most recently my credit score has crashed from nearly XXXX to XXXX without me doing anything but normal business. And their only answer is that I 'm using too much of my credit! 
I will give them the consideration that I have two disputes and a settlement finalizing about medical care ; but still all my accounts are paid. Even during XXXX treatment I was able to keep all my accounts up, and even later pay balances back down. 
At this point they just ignore my information and report all kinds of things like my available credit being something like {$2000.00} This is asanine!, XXXX XXXX has {$3600.00} available for me ; XXXX XXXX has over {$20000.00} ; of which I only used {$13000.00} and payments are current. Additionaly XXXX XXXX has offered {$38000.00} limits in auto finance ; four other credit offers have been made that total over {$5000.00}, and XXXX XXXX has offered {$6000.00} in a credit line. 
So, i have written them all twice to stop reproting only the bad parts of my credit file, and show the reality of the whole picture! 
This has resulted in a ripple effect of XXXX XXXX canceling one of my accounts and reducing all my accounts they administer, and my score has crashed from going up steadily to about XXXX, ( XXXX XXXX, back down to XXXX recently. And again a vendictive attitude, asanine excuses, and a one way mirror effect from them. 
The biggest thing they ever did was send my complete report from two of them, showing numerous entries of credit checks I never asked for, and again, no mention of my large credit open lines. 
I also closed a bankruptcy in 2007, and it expired, but the effect is like they are vendictive about not showing it. 
I am way over my head in how to deal with them and the more I say, the worse it gets. They take a defensive tact, and thats the end of that. 
Can you help, I ca n't afford to sue three big firms like theirs, and I guess they count on that? 
I actually think there is a collusion with some entities and their reprots since people that wanted my business had no negative things to say, like XXXX XXXX, but others just jacked up rates and snarled about the " negative reports ''!
Paid  XXXX . I have a deletion letter as well from the company stellar recovery on  XXXX  account  XXXX  stellar file number  XXXX  and   XXXX   is still showing this debit and I have contacted them 5 times on this matter. I want this deleted from my credit report account. I 'm not sure if it 's on the other credit reporting agencies as well. But would like that deleted as well. This has been going on way to long. Even the company I paid thinks this is crazy!! Please help
On XXXX XXXX, 2017 I paid in full a unlawful detainer XXXX XXXX XXXX XXXX vs XXXX XXXX case number XXXX in the amount of {$370000.00} via cashier check to XXXX XXXX XXXX XXXX to the Law Offices of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I received a letter dated XXXX XXXX, 2017 from IQ Data International Inc. account # XXXX-Account # XXXX XXXX XXXX Account representative stating that I owe an outstanding balance of {$7400.00}. this incorrect. I sent IQ Data International Inc. XXXX XXXX a response letter on XXXX XXXX, 2017 via United State Postal Service stating that I do not owe {$740000.00}.
My servicer did not generate a XXXX for my loan for 2016. I called for 3 weeks requesting that it be escalated and that I would write in to CFPB but they still have not done it. I have been lied to and bounced around and to add insult to injury - I called yesterday and the rep told me that I HAD TO STAY ON THE PHONE TO GET IT DONE. IF I HUNG UP THAT IT WOULD NOT BE COMPLETED AS HE WILL GO TO THE NEXT CALL. I explained that I stepped out of the office to get the status and could not hold on. I asked that the file be updated to have someone call me as the request was escalated per my request 3 weeks ago. I still have not heard from Ditech and I am unable to do my taxes without it.
Note : This is separate from previously filed complaints and only refers to the two most recently made payments of XX/XX/XXXX and XX/XX/XXXX. 

Website login gave scheduled payments as above- XX/XX/17 and XX/XX/17. 

Both payments were submitted as scheduled and were properly receipted and reflected in payment history. 

However, neither affected the interest nor the principal balances shown, which remained unchanged. 

In addition, neither payment was reflected in reporting to consumer credit reporting agencies
I have never had an account with XXXX. I attempted to reach out to Debt Recovery Solutions and which I asked for them to verify the account. They sent a bill and at that time I called and explained to them at that time I had another provider and there was no need for me to have them. I have continuously disputed this account because it does not belong to me. There was no identification shown or nothing to verify on legal paper I authorized this account
I had a loan through Brazos Higher Education that went into deferment and was being sent to my old address. I was then contacted by XXXX XXXX in XXXX, MA XXXX and reached out to them to make payments and the gentlemen XXXX XXXX at first did not agree to how much I could afford to pay him, so I then contacted to Brazos who agreed to the {$300.00} a month. I ended up out of work for a month due to surgery and received a letter that XXXX XXXX XXXX has put a lien on my mother 's house and trying to garnish our wages. 

I reached to the law firm asking him I could lower payments because I ca n't afford the {$300.00} a month at this time and he said no so I contacted XXXX when then I started receiving emails for the Law Firm saying he will only deal with me through court and is not coming to an agreement with me and when I have reached out to him again he wants nothing to with me, will not give me account number or tell me the 3rd party involved. 

XXXX also says there is nothing they can help with me since they turned it over to the law firm and I all have them emails to show that this has happened and the woman from XXXX 's her name is XXXX she is the only one in the office with that name, said she was reaching out to a woman named XXXX who was reaching out to the Law Firm. 

This is not right as I have a another loan with XXXX paying {$50.00} per month and have never had an issue with them. I believe I am being mistreated severely. I am dealing with a hostile law firm who wo n't agree to let me pay what I can afford.
I DO N'T UNDERSTAND WHY????? 
A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX
I INITTIALLY TOOK OUT A XXXX DOLLAR PAYDAY LOAN WITH XXXX INTEREST PAYMENTS EVERY TWO WEEKS. ON THE 4TH PAYMENT I DID A PRINCIPAL REDUCTION PAYMENT PLUS INTEREST. XXXX PLUS THE XXXX. WAS TOLD THAT THE PAYMENTS WOULD BE LOWERED. THEN WHEN I CALLED TO FIND OUT WHAT THE NEW PAYMENT AMOUNT AND/OR PAY WOULD BE I WAS TOLD THAT I WOULD STILL BE CHARGED THE XXXX NO MATTER WHAT THE PRINCIPAL WAS PAID DOWN TO.. WHEN IN TO LOOK AT MY CONTRACT AND IT HAD BEEN REMOVED. ASKED FOR THEM TO SEND ME A COPY AND THEY WOULD NOT.EVEN THOUGH I WAS TOLD THAT MY PAYMENT WOULD BE XXXX I WAS TOLD THAT TO PAY THE LOAN OFF I ONLY HAD TO PAY XXXX INTEREST AND THE THE XXXX REMAINING PRINCIPAL. AND THAT I SIGNED UP FOR XXXX PAYMENTS OF XXXX ... AND IF I DIDNT PAY IT OFF, EVEN THOUGH I HAD ONLY MADE XXXX PAYMENTS I WOULD NOW OWE ONLY XXXX PAYMENTS OF XXXX TO PAY THE LOAN OFF.
My mortgage became delinquent starting XX/XX/XXXX. I applied for mortgage assistance from the servicer, Carrington Mortgage, LLC. On XX/XX/XXXX, I was informed by Carrington that a XXXX XXXX XXXX was the investor on my loan. Then, on XX/XX/XXXX, I was consequently informed that the investor of my loan was XXXX XXXX XXXX and that my request for assistance was denied due to 'investor/insurer targets ''. It is unclear as to whom exactly my " investor '' is. 
Because of this, I am forced to look for legal representation to file a civil complaint against Carrington Mortgage for negligent misrepresentation.
XXXX/NAVIENT incorrectly entered that I was consistently late when I was on deference. This still shows a negative reflection on my credit reports.
On XX/XX/2019 Capital One XXXX closed my account for fraud even though there was no fraud. They failed to call me. They emailed me and its instructed to call, not email me. They are refusing reopen the account.
Please I need help .... there is a DISMISSED BANKRUPTCY in the PUBLIC RECORDS section of my credit report that did NOT happen. I filed for bankruptcy in 2016 but changed my mind and worked everything out with my creditors BEFORE it went to court, so there is nothing to dismiss. I paid all my bills by myself without the help of the bankruptcy court but I'm being punished. I worked hard to do the right thing and this is not right, it's effecting my ability to get a good mortgage rate. I have filed a dispute with all 3 credit bureaus multiple times and get the same " verified '' response everytime. I know they didn't verify it though US BANKRUPTCY COURT where I live because they don't report to the credit bureaus and if they did they would of been told that I withdraw before the case went to court. XXXX, TransUnion, & XXXX are tarnishing my credit and I respectfully ask that this be removed from my credit report as per the fair credit reporting act. Thank you for your time.