WillisBack/dataset-financial-user-claim huggingface dataset:
I recently was asked by my accountant about XXXX charges from the same company that seemed strange to her. When I saw them I knew that I had never made the charges. Both were from a company called XXXX XXXX XXXX charge was for {$690.00} on XX/XX/2011 the other for {$1900.00} on XX/XX/2011 Due to an extended time out of the country I did not notice the charges until brought to my attention by my accountant. When I reported the unrecognized charges to Citibank they said they would credit my account immediately and issue me knew credit cards because the charges may be fraudulent. I received a new card in a matter of days but have not seen the promised credits. I called Citibank last week and now am being told that they have no record of my original call and disposition of the fraudulent charges. I feel Citibank is lying to me in order not to have to issue my refund. I have never done any type of business with XXXX XXXX and reported that fact to Citibank.
Wells Fargo lied to me and gave me the run around with false information pertaining to my home. They told me that foreclosure had stopped because I was in a disaster relief program. Once the disaster relief was over we would then discuss my options. This was all a lie because they proceeded with foreclosure and when I tried to contact them they gave me the run with different clerks all giving me different information that was not true. The representative at Wells Fargo who was suppose to be assisting me never got back in touch with me in a timely manner. I was not aware that they was actually proceeding forward with the sale of the home until I received a notice on my door. Even though I continually made payments up until XXXX when they refused to receive payments from me. I even ask for a modification since I knew I could afford it. Wells Fargo used deception to force me in foreclosure. According to the letter on my door it says the home will go up for sale XXXX/XXXX/2016 but yet Wells Fargo continually say that there is no sale date. Also They told me that the payments that I was paying was sent back to me which is not true. I have only received {$100.00}. I informed them if they apply all the payments that I made and that they said was payment reversal then I would not be in foreclosure. I informed them of this in XXXX when I requested a printed out copy of all payments received. On the documentation I received from them concerning my payments it says the payments was reversal meaning they sent them back to me.The process that Wells Fargo is using is not legal and they are using predatory lending practices. They house has equity in it plus mineral rights therefore it is worth more than I owe on it.
I have been put on probation at work for the continuous calls. I work for a call center and they 're constantly calling the call center getting transferred to rep to rep, looking for me which management has asked them to stop, they continue. If I lose my job because of this I want to take further action against them. Calling my cell phone is okay but harassing me at work is not.
Bayview loans keeps calling and harassing me about being behind on a payment. I 've called them numerous times to try and fix this problem but no one can help me in the so called customer service area. I have gone to my bank and receive copies of my proof of payment starting back from XXXX and ended it in XXXX, I have fax them numerous times showing them that I never miss a payment. Every time I ask them a question over the phone they say put it in writing and fax it to us. Not one person I 've talk to was able to answer a question. Its like its choreograph. I called one time and got a person here in XXXX XXXX, when I found that out and ask her if she had a branch in XXXX she just laugh and said no. She works out of her house and supposedly all my information is there on her computer. I 'm not liking this. These people are no better than XXXX and have no desire to help you what so ever.
Once again, there is activity that is INCORRECT being reported by XXXX XXXX, XXXX regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, XXXX XXXX, XXXX. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at XXXX XXXX, XXXX. 
I have personally met with my personal bank and have attached all checks that were cashed per month by XXXX XXXX, XXXX. I have also attached the payment history showing all payments that were paid to XXXX XXXX, XXXX since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at XXXX XXXX, XXXX is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at XXXX XXXX, XXXX is still removing payments that were prior on my credit report such as XXXX 2017 payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. XXXX XXXX, XXXX has literally changed my credit report information on more than five occasions since XXXX XXXX, 2017. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, XXXX XXXX, XXXX. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. XXXX XXXX if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. XXXX XXXX, XXXX has a responsibility to report it correctly. Someone at XXXX XXXX, XXXX has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current XXXX XXXX XXXX payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with XXXX this morning. It is someone at XXXX XXXX, XXXX submitting the incorrect information. XXXX XXXX XXXX needs to fix this ongoing issue ASAP. 

Sincerely, XXXX XXXX
My mortgage was sold from XXXX XXXX XXXX to Nationstar Mortgage. I never received any information from XXXX about the sale until it already had happened. When my wife attempted to contact Nationstar about our payment ( since it was XX/XX/XXXX ) they told us that they did not have our recorded updated so they could not accept a payment. They said we would get notification when everything was in place to make the payement. The notification came on XXXX XXXX and said that we were overdue on our payment and a late charge was assessed. When we contacted Nationstar they stated that the payment was due on the first and we were overdue. My wife explained the situation of what happened and was treated poorly. When she asked to speak to a manager she was informed that they did not have one. She attempted to pay the amout due and was told that she would still have to pay the late charge plus a fee since she was paying over the phone. She said that she would mail the amount but refused to pay the late charges due to the fact that it was an error on their part. Soon after we started receiving notices that Nationstar was starting paperwork to forclose on our house. How can this be legal? We have n't been with them a month and already getting notices of forecloseure. We still never received any other information from the company other than a bill. I would expect to receive information about my loan to verify there is no changes, a list of contacts and numbers to call for any questions, and something about the company that now has this very large loan against me.
I owed the original debt to XXXX and fell behind due to the loss of my job. XXXX sold the debt ( approx. {$500.00} XXXX to Portfolio Recovery Assoc ( PRA ). PRA then contacted my husband and discussed the debt, amount, and status of the entire account with him. My husband immediately called and told/asked me about it. I contacted PRA and XXXX to demand my debt be dismissed and removed from all credit reports due to them violating the law because I never gave permission to discuss anything with anyone. They did dismiss the debt but did not remove from my credit report. To this day it still shows and I have disputed it on numerous occasions without resolution. I have been fighting this battle for over three years now.
Disputed item from XXXX XXXX, last year and was removed from my credit report. The account was not mine. Disputed again, somehow it showed up on my credit report again, also asked for a Method of Verification and was ignored. I have no knowledge of this account. I had no Hospital visits in past  years. This is not my account. I have contacted original creditor they can't prove it was my account. This account was disputed last year, and removed from my credit report. Showed up again. Under law the credit bureau is supposed to verify the account before it going on my credit report.
The headaches with XXXX XXXXNavient escalated when the U.S. Department of Education ( DOE ) cancelled XXXX XXXX federal aid certification, after the US senate cut down spending on american students attending foreign medical schools. In the middle of my studies, XXXX XXXX informed me that I am not longer eligible for deferment as per information from DOE. The proposal was to change to another university approved by DOE, but getting transfer credits was impossible and I did n't want to keep on starting over with XXXX. I had the same problem with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX increased the interest fees by putting my federal loans in-repayment/forbearance, while I was still attending XXXX. 
XXXX  did not report directly to the XXXX XXXX XXXX. Hence, XXXX 's reporting process is on paper. My other servicers ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, etc. ) accepted enrollment certificates without asking me to sign extra forms to put my loan in deferment. On the other hand, XXXX XXXXNavient had been refusing to put my loan in deferment and informed me that enrollment certificates were not enough. XXXX XXXXNavient required me to sign an additional form each time I applied for deferment. 

Navient and XXXX XXXX want unpaid interest to be added to the principal balance, even if the original " Promissory Note '' indicates otherwise. 

On XX/XX/2017, I complained to Navient ( loans transferred from XXXX XXXX ). Instead of fixing the problems with XXXX XXXX, Navient responded by adding 15 fake " missed payments '' to my private loan account, increased monthly payment on my private laon, and sending harassing letters to my co-signer. I do n't want to pay/do not authorize my co-signer to pay the missed payments and informed my co-signer to ignore the wave of harassing letters from Navient.
I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my ID , Proof of address  and police report.
I 've been trying to get installment pymnts they want work with me  n  give me the run around
Complete Credit Solutions account # XXXX original creditor XXXX claims account opened XX/XX/XXXX this account was not opened by me. I have requested validation of the account & have not received any information from debit company or XXXX   ans they are stating the account is is mine. This account just appeared on my credit report all of a sudden it has not been on my report recently & I have several reports to prove it was never reported. This is not my account & needs to be removed from all 3 credit bureaus. 

XXXX XXXX XXXX paid settlement on account and company does not do day to delete. I gave information to credit bureau and only 1 removed information thus far. I need all 3 credit  bureaus to delete the XXXX XXXXXXXX XXXX original creditor XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX opened XX/XX/XXXX this account is settled. I have a letter from them to provide if needed that states account was settled.
I contacted capital one credit card company. I explained that we paid the account off with a trust account guy confirmed that it went through as payed. We then owed {$1200.00} final notice dated XX/XX/XXXX. I asked for them to take some of the late fees and the over draft charges off. We called and asked several times to remove the charges they refused to do it. I did eventually payed the account down but had to suck up the extreme past due amount of {$1200.00}. The account credit limit was {$800.00}. Capital one just cares about money, no sympathy or wiggle room. Even XXXX store ( XXXX 's credit ) removed {$200.00} in fees. I don't understand why one of the major credit card companies can't help at all.
I opened check account with XXXX XXXX XXXX, XXXX TX on XXXX XXXX 2015 and the banker helping me with account clearly told that there is no minimum balance needed. I told him that I will be going to XXXX on XXXX XXXX. On XXXX XXXX, XXXX transferred my account to BB & T as BB & T bought all XXXX in Texas. BB & T says that they received my account from XXXX with a negative balance of {$59.00} and BB & T threatening me that they will charge off my account and report it for collection if I do not pay. XXXX says that they reversed {$59.00} charge ( {$25.00} for checks and {$34.00} overdraft fee ) as it is not of my fault to receive stale ( not usable ) checks and my account was transferred to BB & T with ZERO balance but not negative. I am sandwiched between these XXXX banks as XXXX and BT & T refused to talk to each other as they said that they are not allowed to discuss about customer accounts as they are separate banks. After several phone calls and several requests, XXXX gave me a ticket number for the case but have not heard back from them yet. Meanwhile, BB & T is threatening me via phone call that they will take further steps to collect {$59.00}. To avoid further complications and effect on my credit, I requested my nephew to pay {$59.00} into my BB & T account and requested them to close the account. 
I am a victim of the sale of XXXX to BB & T and it is totally unfair for both banks not to talk to each other to resolve the error and putting customer in great trouble to the extent of ruining their credit for no fault of theirs. 

I request your authorities to talk to these both banks and ask them to help me to resolve this issue. I am sure that there might be more customers in this situation and victimised.
In 2016 Company called but wasn't able to verify the debit was mine or the proper documents needed.
I had received advice from my previous lender to transfer my loan to XXXX XXXX to monitor my progress with the PSLF program. I did so in XX/XX/XXXX. I waited very patiently to have the number of qualifying payment calculated and uploaded on my account. When they were finally uploaded the numbers were drastically lower than they should have been. I have been making qualifying payments since XX/XX/XXXX with only a handful of months in forbearance due to delays in processing IBR eligibility and one late payment. Therefore my estimated eligibility date should only be a few months after XX/XX/XXXX. When I called XXXX servicing about this they told me it was likely due to a prepayment and they would recalculate my qualifying payments. By then it was XX/XX/XXXX and I was told it could take up to three months. Once the three months was nearly completed, I called and was told it would take three to six months. Today I called and I was told it could be up to nine months. In total I have waiting nearly a year and I have not received an accurate count of my qualifying payments. I understand there are many such requests but not having the staff required to service this loan properly is unacceptable.
On XXXX XXXX, 2016, my wife and I went to the US Bank at XXXX XXXX XXXX in XXXX XXXX, Colorado to open a business checking account. While there we listened to another individual open a business checking account as well. The bank representative was XXXX XXXX. It was initially concerning to hear that the accounts were processed and opened in the commmunity area of the bank where personal information, credit disclosures, and monetary amounts were discussed. 
When XXXX XXXX assisted us, we made it clear we did n't want our personal information openly discussed in this forum. XXXX XXXX apologized, saying he had a loud voice and carried on. During the process of opening a business checking account, XXXX XXXX offered us a business credit card as well ( there is much more detail to this in the attached documentation ). We told XXXX XXXX if there was a 0 % interest offer, we would be interested. XXXX XXXX showed us we qualified for a 0 % interest rated for a period of 12 months and we agreed to sign up for that card. He showed us the dislosure and circled the 0 % interest rate and the business platinum card. 
After opening the account and receiving all of the pertinent information, we left and a few days later received credit cards in the mail for a higher interest ( 18 % ) card My wife contacted the credit card company that issues the cards for US Bank and they told her they provided the cards that US Bank approved for us and if we wanted the 0 % cards, we would have to apply again. My wife emailed the US Bank help email and was later contacted by area VP XXXX XXXX who confirmed he spoke with XXXX XXXX and confirmed we applied for and wanted the 0 % card. After back and forth emails, XXXX XXXX said we would have to re-apply for the 0 % card. This would cause a second hard hit on our credit report and when starting a new business that may later have investors, we do not want to begin with questions about why we applied for multiple lines of credit. This was a bank error and should be remedied by the bank. My wife sent an email asking for guidance and assistance after this and we have received no further response. I contacted XXXX XXXX Sheriff 's and filed a police report sharing the same information with the sheriff 's department. I believe we were misled and treated fraudulently, applying for and being told we were receiving a specific line of credit and later being provided with another. Then the remedy was to re-apply, affecting OUR credit to get what we originally told we were approved for.
I called to report several unauthorized inquiries that are on my report from companies I have not applied to for any type of credit and I asked that they be removed and I asked for a fraud alert on my report which they refused to place because I believe these inquiries are a result of fraud. The inquiries are   XXXX   XXXX   (  XXXX  of them ),  XXXX  Bank  XXXX   XXXX  of them ),   XXXX   XXXX   (  XXXX  of them ),  XXXX   XXXX  Bank,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX  -  XXXX   XXXX   XXXX , and  XXXX  Bank (  XXXX  of them ). That is a total of   XXXX   unauthorized inquiries and I adked that a fraud alert be placed on my report and they have refused to remove the inquiries and place the fraud alert
I have been in foreclosure since 2008 on my home mortgage ... The mortgage holder is Bank of America , National Association, and the mortgage servicers XXXX ... I fell behind due to financial hardships, the economy and personal hardships ... I was put in active foreclosure and worked diligently to get a loan modification ... I was given a forbearance agreement and lived to the terms/conditions of the agreement by making XXXX consecutive payments on time ... I was not given a loan modification as I was told I would have to pay the full amount due in arrears which I could not do at the time ... I continued to try and work on a loan modification and continued to pay the monthly payments on time -- -some were cashed, some returned ... I finally had to put myself into Chapter XXXX bankruptcy to stop the sale of my house ... while in bankruptcy the mortgage holder sent to the courts a note completely different from the note they produced in my foreclosure case -- XXXX separate and disctinct notes with different signatures ... I discharged myself from bankruptcy and continued to pay my mortgage on time and have for the past three years ... I am afraid the mortgage company will start the sale process again as I have continued to send them information they request ( as I have at least ten additional times in the past ) and I do not foresee them granting a loan modification ... XXXX XXXX claims I do not fit into their mold for a loan modification ... XXXX
i changed my name from : XXXX XXXX XXXX to XXXX XXXX non of the credit bureaus have updated my personal info and now i have no credit i was told to submit faxes/upload online to all XXXX credit bureaus and they have not updated my credit i need my credit
XXXX  has been non-compliant with removing the unverified account CREDIT MANAGEMENT Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDIT MANAGEMENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
XXXX became the more friendlier XXXX XXXX about 18 months ago. At that time was reporting trade line with all three credit agency, disappear when became XXXX XXXX. I have been trying to get the more friendlier XXXX XXXX to report trade line. They continuous send to research department with no results! This time they said they need a additional 15 days to come up with no solutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX.
XXXX XXXX XXXX D.O.B - XXXX/XXXX/XXXX SSN- XXXX My name is XXXX XXXX XXXX XXXX I 've had a Banana Republic credit card account for almost a year. I recently had an issue with Synchrony Bank because they refuse to help and accommodate their customers even when they are the one 's who made the mistake. I signed up for electronic alerts to stay informed about my payment due dates. They failed to notify me about a payment that was due XXXX XXXX, XXXX. Due to that mistake there was a late fee and interest applied to my account. My account shows that it went over the limit when that was not the case. Due to them applying that late fee and the interest it made my account over the limit. It actually was not over the limit because of my use of the card but because of their mistake in failing to keep me posted. I also tried to sign in online to check my account, they sent me an email notifying me that I was trying to login into my ''Banana Republic Visa Card Account ''. I do not own a Visa Card account with Banana Republic. I have a regular Banana Republic Credit Card. I contacted Synchrony Bank and I spoke to XXXX, a Supervisor in Customer Services, ID # - XXXX. Due to XXXX 's lack of knowledge she refused to comply with my request to verify the inaccurate information that they have in the automatic system. She interrupted me repeatedly and tried to speak over me refusing to listen to what I had to say. What is the point to have Paperless if they will not send the electronic notifications about their payment due dates.