WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I received a letter from XXXX stating that they are reporting my Home Equity Line of Credit ( HELOC ) as charged off on XX/XX/XXXX with unpaid balance of {$24000.00}. 
They stated they canceled the balance owed on XX/XX/XXXX and issued a XXXX. and as a result updated charge off balance to {$0.00} on XX/XX/XXXX and reported to credit bureaus on XX/XX/XXXX. 

Further they state they carefully reviewed the account and did not find any misrepresentations, unfair tactics or tried to be deceiving. 
And that they are required to report accurately. 


The problem with these statements are my credit report shows a charge off in the payment history on XX/XX/XXXX. Then the next data entry shows a charge off on XX/XX/XXXX. 
The status shows a balance update and status of charge off update to be XX/XX/XXXX when they clearly said in the letter the balance was canceled on XX/XX/XXXX. If the balance is {$0.00} on XXXX, XXXX it should state XX/XX/XXXX not XX/XX/XXXX. 

The next problem is the XXXX they furnished in the letter and sent to the irs shows an identifiable event code of ( F ) By Agreement. This would have to mean that I made an agreement with them to cancel the debt owed for less than the full balance. This would be false. 

The date of the Identifiable event is XX/XX/XXXX. Considering the Irs regulations prior to XX/XX/XXXX. If a debt has not been paid for 36 months and active collection is not pursued then a XXXX is to be issued even if the debt is not discharged. The account was delinquent prior to XX/XX/XXXX and closed and charged off XX/XX/XXXX. A XXXX should have been issued prior to XX/XX/XXXX. So in this case the XXXX was issued in the wrong year with incorrect event coding Finally according to XXXX county land records there was a mortgage assignment filed for this account. The Assignment of mortgage was not to XXXX XXXX XXXX nor XXXX XXXX XXXX. Which gives reason to believe the incorrect creditor is reporting the debt and that they do not have a valid claim. Whether the Assignment of mortgage is valid is speculative considering the notary had been suspended and the agent on behalf of XXXX may or may not  have worked for XXXX. 

My actions have been contacting XXXX about the misrepresentations and they have stated the account has been charged off since XXXX but it is still open and they are reporting correctly. 
I disputed with Credit Reporting Agencies to validate the information which is clearly incorrect. The came back that they only report what they are told to and that it was validated. 
I have submitted a prior complaint to CFPB which contacted Chase which responded with the letter that I have explained. 
I have continually ran into problems getting credit due to this account reporting the charge off as XX/XX/XXXX since Derogatory Credit waiting periods require 4 years though the Charge Off had occurred XX/XX/XXXX. The cancellation of debt was XX/XX/XXXX which is not a charge off especially if the account was already charged off.
I had an open mortgage loan with XXXX XXXX XXXX XXXXFin Acct # XXXX reporting date XX/XX/XXXXand an open date XX/XX/XXXX. XXXX XXXX XXXX is reporting that I had a loan with them open dateXX/XX/XXXX. ( Fair Credit Reporting Act Violation ) How can I have two separate mortgages open around the same time in two different States?
I never had a mortgage with XXXX XXXX XXXX at no time in my entire life. I have enclosed my supporting documents to affirm the claim that XXXX XXXX XXXX repeatedly violated the Fair Credit Reporting Act as the Federal Fair Credit Billing Act. XXXX XXXX XXXX is also have been and currently involved in various Federal lawsuits for violating The Fair Debt Practices Act ( SECTION 1692/UNFAIR PRACTICES ).
I am a victim of their unlawful credit reporting and I humbly request the set mentioned account be permanently be removed from my credit report within 24 to 48 hours. I have included in a appendixes A, B, C, D AND E documents to solidify that the set forth credit XXXX XXXX XXXX account should be removed from my Equifax credit report.
I have always maintained an excellent credit rating and this incorrect account is hurting my credibility and demanding mu character.
Hello : I have a personal loan with XXXX XXXX from my XXXX degree that I completed in XXXX. I recently went into repayment as of last year and XXXX XXXX failed to update my address and deliver the notice of repayment to me via either email or phone or even regular mail. I spoke with them on the phone about this when first noticed this and they admitted and acknowledged that it was indeed their fault and they would fix it on their end. In addition, they proceeded to immediately report me to credit bureau following the call for being delinquent on my student loan even though I made a payment during the call to make my account current and set up an automatic payment for the lifetime of the loan. I am currently in my XXXX. program in XXXX XXXX, XXXX. I submitted a dispute with the credit bureau to attempt to get this information removed from my report or at least a note added about the situation and it was denied after speaking to XXXX XXXX about everything even though I had documentation and proof that was provided about the situation. My credit score took a major hit because of this situation which I found highly upsetting as I was relocating to XXXX  for my XXXX XXXX earlier this year during the summer. It was almost impossible for me to get approved for an apartment out here. Thankfully my father was willing to co-sign for me and as a result I have to live in student housing at age XXXX years old even though I can afford to live in a real apartment. So I currently reside in a studio apartment due to this issue with XXXX XXXX that has carried over all these years despite it not being my fault. Now, I am reaching out to you to attempt to resolve this issue. Possibly have them dismiss the entire debt because of this error in reporting on their part as I have suffered more than enough due to their incompetence and am tired of dealing with them. For the sake of reporting them to you, I attempted to log into the website and my user account could not be found even though I know the information like my own ssn but, of course the website was down. I was actually happy they sold my loans to navient the majority of them and excited about the letter received that notified me I currently had no business with XXXX XXXX back in XX/XX/XXXX. However, imagine my surprise when realized we still had a relationship I was unaware of in XX/XX/XXXX. Anyway, please call me at XXXX to further discussion this issue. I am sick of being messed over by XXXX XXXX and I am surprised they are not at the top of the list of most disputes filled against a company. Thank you for your time and have a blessed day.
I reported the unauthorized withdrawals or money that was spent and shown in the transactions to my bank, Bank of America. I opened that account in XX/XX/2018 and there have been various amounts from XX/XX/2018 to the present. It's very stressful, sometimes it's only {$3.00} at a time or recently there was a charge to a night club that was about {$30.00}. They're very random and the amounts are odd so I really have to scrutinize to catch it. It was the same when I used XXXX XXXX.
I contacted Fifth Third Bank on XX/XX/XXXX to make payments. The Representative I spoke with imputed my debit card information for the payments. He made the statement " the payments have been successful ''. I then asked him to schedule XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX payments for my debit card automatically so I wouldn't have to worry about it since I travel. He then set up the payments for me for each month on the 16th. I received a call from Fifth Bank on XX/XX/XXXX letting me know I was behind on my payments. I contacted Fifth Bank on XX/XX/XXXX in the am to discuss why my payments were not deducted in XX/XX/XXXX. The representative who I spoke with said it was not taken out, but it was not an NSF item either. I explained to her I contacted Fifth Bank Representative in XX/XX/XXXX to make my payment. She said she did see this documented and she did not know why the payment was not deducted. I asked her if it was because he might have imputed my debit card incorrectly into the system, if so why did he inform me the payment was successful. I explained to her they put a negative rating on my credit report which was incorrect due to the representative incorrectly informed me of the payment I made. She indicated this could be the case since the payment did not indicate an NSF. I asked her to remove the negative rating and she informed me I had to contact Consumer FinanciaXXXX. I have investigated Fifth Third Bank and unfortunately have seen numerous negative comments concerning this business. I am hoping in the future their representatives will correctly complete transactions for their consumers.
XXXX 's client XXXX XXXX is an identity theft victim, his information was used to apply for several credit cards without his consent. Those application resulted in fraudulent inquiries, disputed were sent to those creditors to have those inquires removed however Chase has not removed the inquiry. A recent letter was received by Chase confirming an account ; the account was never in dispute, the fraudulent Chase inquiry was. Chase is now in violation of the FCRA by reporting and verifying fraudulent credit information.
On my credit report it says that I missed payments which isnt true. I have bank statements that shows I have paid them during those months. This has brought down my credit score considerably.
I lived at XXXX and I was ordered off the property by XXXX county courts wa. My ex stayed and then later clened the apartment out and left before the contract time. When I applied for another apartment they denied me and said I owed an large amount to them. So I contacted them and asked them how to settle it and the amount and they would n't tell me anything at all. They told me to contact the debt collector they sold the debt too. When I did they will not answer or return my calls. So I looked into it by checking my credit and it is saying I owe XXXX different amount totaling XXXX. I could n't believe it. So I called XXXX back and demanded an break down to why I owe that rediculous amount. They told me to get bent. I believe there is some illegal stuff going on with this. No one will contact me or give me paper work on the break down so I can take it to a lawyer. If you look at my credit it is listed as IQ DATA INT XXXX and IQ DATA INT XXXX. I am disputing this and asking that it be removed or they prove in a broke down letter why I owe this rediculous amount to take to a lawyer. Thank you for you Time.
Myself, and XXXX children have loans with Sallie Mae, payment was made and taken out of my account but Sallie Mae calling to say payment not made, try to verify where payment was posted and they now say I am not who I say I am because they either have XXXX or XXXX both names that I go by so # XXXX will not talk to me and they have flagged my account that I am not who I say I am. but are harassing that payment not made, they wo n't even talk to me to get the confirmation number from the bank.
I filed bankruptcy in  XXXX   XXXX , since then  XXXX  has continued reporting my account as late/past due and missed payments in  XXXX ,  XXXX   XXXX ,   XXXX     XXXX . I contacted the bank directly and they told me they would reach out to their credit card program, have them update the status of the account and then reach back out to me with confirmation that this had been completed. It has now been a week and I still have not heard back from  XXXX , and I pulled a fresh credit report today and the information is still showing in a negative status.
in XX/XX/XXXX, a company that no longer even has a website called XXXX Credit card services, address XXXX XXXX, XXXX, NY XXXX, called me and told me they would consolidate my credit card balance to a new card with a 0 % interest rate for the life of the card. they opened a new XXXX XXXX credit card for me without even moving the balance over and it was a credit card that had a 0 % interest rate for the first year and that 's it. they charged {$720.00} for this and after i realized they never completed any service besides opening a new card for me that i could have done on my own and lied about a 0 % interest rate for the life of the balance, i got in touch with the XXXX and FTC where it was finalized that i did not owe anything to them in XX/XX/XXXX while on my honeymoon XX/XX/XXXX, i got a call from XXXX called CIB collectors saying that carenet has pushed my information to them for their unpaid amount of {$720.00}. The individual Named XXXX was extremely unprofessional while I trying to explain that this had been taken care of three years ago and he kept interrupting me and saying that it isnt taken care of. I want to file a complaint and have this taken care of once and for all. I do n't understand why it has been resurfaced after 3 years after I took the right actions to end this years ago.
My loans have been transferred from XXXX to Navient in XX/XX/XXXX. My XXXX loans were on autopay at the time and apparently that go transferred over ( without Navient telling me - which was one of the issues, their website does not properly tell you if you are on autopay or not ). 

Right from the get go, there are massive issues. I was not officially warned that I moved to Navient until I checked my account on XXXX and my accounts were gone. And I did not get any of the documentation from Navient until well after the first payment was due. It was sheer luck that I saw this and quickly made a navient account to make a payment on the loan. 

Which leads to the next issue, I made a payment to Navient for XXXX dollars on XX/XX/XXXX.  Navient then disperses the amount into different accounts, instead of the loan that was specified. I read up and Navient has had a history of doing this. I called them up and told them about the issue and thankfully, they corrected the issue. 

The next issue is their website. I was ahead on payments apparently and because of this, they deceptively remove the autopay icon from the account, even though I was on autopay. As a result, I ended up paying XXXX dollars on another account twice. I called Navient again and they tried to say that it was the issue with XXXX and that it was normal to remove the autopay icon when I am ahead in payments, even though I am still in autopay. I find that incredibly deceptive. Worse, the refund, if I wanted to take it, would take 10 business days, which would have been pointless as I would have to make the payment again not long after. 

Which leads me today, Navient took money from my account on XX/XX/XXXX for {$150.00} towards my big loan account ( I have three accounts, all three have had major issues with Navient ). I checked my account and AGAIN they dispersed the amount in different accounts instead of the one, making my loan late in payment. I will be calling them again on Monday to settle this and I will be removing all payments on autopay as they are incompetent in dealing with money. 

Based on the lawsuit that was brought to them last year and seeing first hand how much they have been XXXX me, I am going to have to keep a super close eye on Navient and their incredibly shady business practices. If they keep doing this, I will be consulting my lawyer to see if I can pursue any action against them.
My credit report shows I took out a mortgage loan in XXXX, but I did n't I have never applied for a mortgage loan and do not have one. Also it says I filed bankruptcy in XXXX when in fact it was XXXX. Please help.
I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the   XXXX   during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that my  credit score ha s changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.
XXXX of my accounts is not showing up in my credit reports. My credit history of XXXX years with XXXX XXXX was deleted from the Transunion systems. I called both the Bank and TransUnion to open a dispute but nothing has been done to fix the error. As today my credit report is showing incorrect information because XXXX of my accounts is not reflected, consequently the pending balance due is not reflected either. I need your help to restore my credit history and to reflect accurate information on my credit report. I already sent evidence to Transunion of the errors made in their system and submitted via fax a copy of a Transunion report dated XXXX XXXX 2015 that shows the correct information ( before the changes ) and a letter from the bank showing that I 'm the owner of the mortgage loan account that is missing in my reports.
Getting tired of Cross country mortgage and their XXXX controlling The mortgage market in the area I originate in I 'm being kicked out of these offices because of their agreements They refuse to let any other lenders or brokers on premesis with loan Programs XXXX of cross country mortgage sits in their offices daily XXXX is with XXXX and XXXX
Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN!

Please help me get these off my credit report.

Someone said that if they don't have the fake loan paperwork then it has to come off my credit?

Also, my dad co-signed and he is a retired XXXX  veteran with a XXXX XXXX XXXX XXXX  rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX  awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration.

What should I do to get this resolved?

Thank you so much, XXXX
On XXXX/XXXX/XXXX I went to my Lending Club account online to continue to sell the notes I have invested in. My account, I was notified, was locked because they needed additional information and would I send a copy of my utility bill. This seemed very strange but I complied. Today XXXX/XXXX/XXXX I received an email requesting a copy of my utility bill and a copy of my drivers license. When I called to inquire why they needed this information so that I could withdraw money from account they said - after a great deal of arguing- that my XXXX credit report address did n't match their information. This is very strange since I 've never had any problems with any credit report and my address has been the same for 17 years and I 've had the account with Lending Club for 4 years. It seems that I sent a payment receipt and not the actual utility bill on Sunday XXXX and that was acceptable. 

Lending Club has my money and is locking me out of it because they ca n't figure out where I live? They have my DOB and Social Security # ... they could verify it in a heartbeat. 

Are they going broke? How is this possible?
I have the same error on my XXXX  credit report, and my Experian credit report. XXXX won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. XXXX  and Experian state that this account has been opened on XX/XX/2017.
FEMA mandated a large area in which I live to be in a flood plain on XXXX XXXX, XXXX. It included everyone in about a XXXX of the County in which I live. I have lived here for 29 years and 10 months. This is all new at this time. On XXXX XXXX, XXXX, Citi Mortgage issued a letter stating that I had to get flood insurance absolute by XXXX XXXX, XXXX,. This was the first that I learned of this status. Citi Mortgage stated that if I did not obtain flood insurance that they would establish a policy that " may be higher than the cost of flood coverage obtained by your own insurance agent. '' So, in any event, I am forced to get flood insurance! I have worked diligently in consulting with the Assistant City engineer of my city and he performed a site elevation survey and published a certificate stating that I should be OK to not need flood insurance. ( See attached Certificate dated XX/XX/XXXX. ) Shortly thereafter, I sent in the required documents ( deed, assessors map and Certificate to FEMA for them to review to apply for a Letter of Map Amendment ( LOMA ) or Letter of Map Revision ( LOMR ). I received a case number and then I called them and they said that the earliest possible timeline that they may address this issue would be 60 days. 
My complaint is with CitiMortgage in that they will not give me the time for due process. 
They are operating on a heavy handed process that gives no concern for the consumer!!!! 
I had called them and submitted to them all of my documentation via fax and have received no response. ( I will include my letter to them ). 
I have been in dialogue with the Consumer Protection Agency of the Federal Reserve who told me they have no jurisdiction over Citi and directed me to file a complaint through you. 
I have check with XXXX insurance companies for flood insurance. one quoted a price for XXXX coverage, XXXX deductible to be {$460.00} annually. The other will only insure for {$250000.00} coverage at a rate of {$530.00} per annum. 
I am being forced to purchase this insurance and am doing so under protest but, of course, I want a lower premium so I have to go with the lower quote. 
I feel this is totally unnecessary ... ... 
History, when I purchased the property over 29 years ago, a 100 year flood XXXX was reviewed. It was deemed then that because the creek that previously impacted the lake on which I live had flowed into the lake. XX/XX/XXXX the creek was diverted to flow around the lake and in no way flows into the lake. 
During my nearly 30 years, I have not experienced anything that would impact any of my structures of the property that would be even near a flooding situation. 
I am requesting more time so that I can iron things out with FEMA. 
I believe that I am being squeezed by FEMA and railroaded by CitiMortgage. 
There is absolutely no fairness whereby I will pay for insurance when in fact it appears to not be necessary!!!!