WillisBack/dataset-financial-user-claim huggingface dataset:
I have had several disputes with XXXX XXXX XXXX and they will admit to the errors and correct them and then they put the false late payments back on my credit report several months later. This has been an ongoing problem, I have 2 complaints that were filed with the CFPB to resolve this issue XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both complaints they admitted the payments were in fact not late and corrected them and now once again the same payments are again being reported as late. The payments that are being reflected as late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same months that were previously corrected.
Company reporting to credit reporting agencies late 30 days XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was told that since incorrect information was given by service representative to have payment automatically deducted from account that since it was no error to myself, no negative reporting would take place. I spoke to two other representatives within month of XX/XX/XXXX and was advised that no negative reporting would take place and a request had already been submitted to CRA to remove negative information. XX/XX/XXXX, I sent check, which was date XX/XX/XXXX XXXX but not cashed by XXXX until XX/XX/XXXX. I have sent a dispute in regards to this and still have had no success with resolving this issue. XXXX also continues to report incorrect balance on my credit reports, which doesnt reflect all payment history. I have made them aware of this, yet they continue to report incorrect information regardless how it negatively impacts my credit report.
My checking account at Santander Bank was closed without any notice. I went to the branch and the woman told me that they can not reopen the account, and my direct deposit will be sent back to my employer. The employer receives nothing so I call back and they tell me that they have instead took my deposit for an outstanding balance of 55 days. I review my contract and there is no mention of this. The representative acknowledged they have n't sent any notice since XXXX. They simply waited for the next direct deposit and closed the account so I can no longer access the funds. It is a week before the holidays, I have bills due, no food and unable to survive until my next payday.
XXXX has reported I'm late on my mortgage consecutively for over a year and I have not been late. 
This has caused me hardship in obtaining a reasonable line of credit for my business which needs a van, my insurance is higher and I was unable to refinance my residence address for a lower rate while the rates where still at 4.25 %
XXXX refuses to investigate credit inquiries not authorized by me these credit inquiries are lowering my score and XXXX refuses to investigate, stating that inquires are a matter of factual data XXXX states that creditors have the right to view my credit without my authorization and affect my credit score and there is nothing I can do about it
I have a 6 figure CD with Discover Bank which matured on XXXX. 
I called Discover 4 times, XXXX, XXXX, XXXX and XXXX. I also sent messages via Discover 's web site and received acknowledgments of my messages to close the account and send a check. 
On XXXX I talked with a supervisor, she told me my account would be closed and an EXPEDITED check would be sent to me. As of XXXX I have NOT received a check. 
As a matter of fact on XXXX I received a USPS letter saying I renewed my account. Even after they told me they would close my account. I received letters and Emails saying I RENEWED my CD. I have received 8 Emails 4 web site messages as well as calling 4 times to close the account and send me the proceeds. 
As of XXXX the told me they would send a check. I WO N'T BELIEVE IT UNTIL I GET THE CHECK.
GM FINANCIAL RAN MY CREDIT TWICE WAS SUPPOSED TO SOLF XXXX AND XXXX  ERRORS.
This is a re-submission of the original complaint below because this company responded to my complaint with a response to someone else 's complaint, XXXX XXXX ( attached ). I have never defaulted on an account, made a late payment, left a debt on an account or otherwise caused a loss to Chase. Chase should be a little more careful with its customers ' data. I also returned the call placed on XX/XX/18 of the Chase representative assigned to this from the Office of the President,  XXXX, as she was away from her phone, but I never got a call back. The last 4 of my SSN are XXXX. Thank you. 

I am submitting this complaint because this bank is continuing to deny my applications, this time one for a checking account, three years after shutting down a single XXXX XXXX credit card because of too many inquiries. Since this, I also tried to open a XXXX XXXX card and received the denial reason of " Previous unsatisfactory relationship with bank ''. I understand their concerns then since my credit file was a little thin and new but clearly today is different with a > XXXX credit score. I  have never defaulted on a loan or even ever been late with a payment and have thus clearly demonstrated being a good credit risk, at least for a checking account. I opened this account because of the convenience of a branch to my home. I am kindly asking for this to be reconsidered due to the time that has passed and also it being based on actions I didn't even know were a problem. I am submitting this request through the CFPB because it is the only effective way to reach the Office of the President. Thank you.
Selip & Stylianou firm continues to call and harass me with unwanted calls at all hours of the day and night demanding payment for student loan debts that NEVER EXISTED. I have no student loan debt of any kind past or present but the continue to call and demand payments. I have requested them to stop the unwanted calls but they have not complied at all.
We received a Loan Modification Approval in XXXX 2016 from Caliber Home Loans. They required a reinstatement fee / good faith payment of {$2300.00} by XXXX XXXX, along with the documentation for the modification. We sent the executed modification documentation along with the fee, via cashier 's check and XXXX, which was received by Caliber on XXXX XXXX, as verified by XXXX delivery tracking. On XXXX XXXX, we were notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that Caliber had submitted a bid to purchase our home at Foreclosure Auction on Wednesday XXXX XXXX ( 2 days from now ). We 've been advised by XXXX that we should file a complaint against Caliber for " dual tracking our loan '', which is what we are officially doing with this communication.
XXXX Citi businesses XXXX Hello .... I 'm XXXX XXXX Today is.. 
XXXX/XXXX/2016 XXXX Today I went to my bank, Citi bank to handle some business, as I entered I was waiting it was XXXX people in front of me.. Then more came in and went out before me into I noticed I was here a very long time ... 

When I looked up at the time I seen I 've been here For a very long time .. 
Two hours past and I was still siting there so as I was going to get up a man walked over and told me that they were very busy and that they where going on lunch soon .. So I XXXX ok I 'm siting here waiting that 's not a problem. 

so I sat for another hour then someone came and asked me to come sit with him. So as I did he asked me for everything he needed I gave him everything he need to set up my business account .. He XXXX ok great u have everything we need to open it. 

So as he was opening it up for me he 's manger XXXX not to do so. So when I asked him why he XXXX he could n't do anything it 's he 's manger he does n't like me cause I have long hair. I thought it was a joke .... 

I was very disappointed at him for that, I felt like I was not supposed to be here.. I really ca n't tell u how I felt because I do n't want anyone to feel like that. 

So then after all of the commotion I called the corporation and made a complaint against the manger.. 

The customer service lady XXXX it was ok to open it here she do n't see any problem ... 
So she was helping me with the complaint then she XXXX she 's going to contact the branch, so as she was trying to contact the branch he would not even pick up the phone to answer! 

In the past I would of went to jail over some XXXX like this, but my family Sade u wo n't get nothing out of this but trouble.. So I XXXX to my self I 'm going to do this the right way by using my head and putting it to the pen and paid ... To see if this really work! 

My senses proved me right, that As I entered the bank I noticed he 's facial expression and the way he was talking to me that he did n't like me. 

By the way he treated me like XXXX I felt like not being here anymore on this planet, So that 's why I 'm here today writing you to see if u can ... ... ... 
HELP ME? 

Complaint # XXXX Citi bank businesses XXXX Please give me a call if you can help me! 

XXXX XXXX ( XXXX XXXX XXXX Thank you!
I am writing to dispute the following information in my file. I recently received a copy of my XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Never receieved a validation notice/statement of paid on the account. False representation, ask the company to stop calling on XX/XX/2018 they kept calling.
I purchased a new vehicle which included a payoff of my old car. The car dealership mailed out the payoff to my finance company on XXXX. The finance company received the check, applied it to my account and then reversed the credit and returned the check to the car dealership. ( The finance company has yet to provide a reason why ) The dealership mailed another check on XXXX/XXXX/15 the check was received and has since cleared the bank. I have called the finance company several times. I have given them the tracking number and check number of the check. Nothing has been done, I am still receiving calls about the account being past due and I have been told that if this were not resolved that the payment will be reported to the credit bureau as a late payment. I called and left a message for a supervisor to call me back and it has been over a week and no call. I was dealing with another representative as I have been calling about this issue for over almost a month. The rep was handling it, but I have not heard back from her either and nothing has been resolved.
AD XXXX is a collection agency for a payday loan company known as Speedy Cash. A loan was taken out through Speedy Cash back in 2008. They attempted to collect on my then bank account and funds were not available. The loan went as unpaid for years. Now, after XXXX years later, I attempted an online application with this same payday company. they had me contact AD XXXX, whom are still trying to collect on this debt. I never received collection letters nor is this debt listed on any of my credit reports. They refuse to drop the debt from their records and insist on keeping the debt open until I pay. Legally, all unpaid debts are to be dropped after they are XXXX XXXX XXXX or older. The rep on the phone was very rude and insistent that I pay.
We are reaching out for help, with the hope you can help keep a family in their home. We have a son with XXXX XXXX XXXX. After enrolling into an educational program, he lost his XXXX in XX/XX/2016. Anyone familiar with this diagnosis is aware there isnt a magical cure or treatment. We fought, and eventually were able to have it reinstated. But during this time, we were dependent on our savings and fixed income. 

Because of our tax return, we were able to get to XX/XX/XXXX without missing a payment. With just XXXX paycheck, medical expenses and XXXX children, even with our best efforts we fell behind. When we were finally on our feet enough to be able to put together a month or two, our bank declined the payment. They wouldnt take our money or work with us to make it right. We wanted to get back to paying on time, as we had before, but they said they wouldnt do anything until we paid the entire balance. 

For twelve months, weve been working on trying to get back on track. Weve been battling simultaneously for our sons XXXX, which has been resolved, and also to keep our home. Weve filled out, collected and sent in paperwork over and over because it always somehow got lost. Id receive letters in the mail, but every single time I tried to reach someone on the phone, Id be on hold forever and never reach anyone. It was, and is still a nightmare.
In XXXX 2015, my account with Capital One had a fraud alert put in place due to a returned payment that overdrafted the account. I contacted them to clarify there was no fraud and they advised they could not remove the flag so I instructed them to close the account. I explained that since it was a secured account and I had no outstanding balance I wanted my deposit returned and the account closed. They advised they could n't do that either because of the fraud flag. They refused to even update my address because no one was able to remove the flag. In XX/XX/XXXX I began working with the client resolution center and eventually in XX/XX/XXXX, received a refund after numerous calls and the account was supposedly closed. 
Today I received an alert to log into my account and noticed that it not only is still not closed as I requested, but an annual and late payment fee have been assessed. When I called in I got the same run around about how nothing can be updated because of the flag. I do not want to risk late payment information reporting to the credit bureaus for an account that should have been closed months ago.
I am submitting this complaint about XXXX  credit reporting agency. There are 3 items on my credit report that do not belong on there. The XXXX account ( I am uploading a letter as proof that fraud was done on this account ) and it was to be deleted. XXXX XXXX XXXX account does not belong reporting either. I have submitted numerous disputes with them but the situation is never rectified. My credit score is lower than it should be because of these accounts that shouldnt be on there.
i XXXX XXXX XXXX li8ke to make a complain against freedom mortgage because they are trying to take my home to sale while i send in a loan modification package in XXXX XXXX 2016 and they said they did not received so i talked to them and they said my home is going to sale anyways and i had send the package two times
I telephone XXXX XXXX and asked an attorney to review my reconveyances and why am I still paying on a loan. They reviewed the documents and stated the property is clear no outstanding loan pending. 
On XX/XX/XXXX I wrote to Select Portfolio Servicing , Inc . 
XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX requesting reconciling my accounts they are servicing because the attach reconveyances are Full Reconveyances and there is no pending loan on my property. They denied this and provided documents of a loan number that is not mine. 
I contacted XXXX XXXX again and they informed them of their status and XXXX XXXX sent them a letter to cease and discease colletion. XX/XX/XXXX they are still sending payment coupons ( upon which I have allowed my payment to laspe one month until this is cleared ). Present mortgage payment are XXXX {$490.00} and XXXX XXXX. 
XXXX I paid an real estate attorney {$5000.00} to help in my not owing anything on the property without success. I was referred by XXXX XXXX to another attorney this year XXXX and brought my payment which he returned because he said he could not help me. I was referred to a third attorney for him to file for a clear title but he stated I need to provide him proof by bank statement ( XXXX XXXX XXXX, XXXX ) or check showing I paid the amount. I have letters from XXXX indicating thank you for paying off your home loan. I visited XXXX Bank and requested that they provide me with XXXX statement but they indicated they were not able to provide this because bank records are destroyed in seven years.

I receive advertisement from financial institutions ( 2 ) this year ( XXXX ) indicating they are able to refinance my loan with XXXX of {$240000.00} and {$45000.00}. I call them back and advised that this loan has been paid and I do not want to see your name on my credit report. I asked how did you get this information and response was this is in your history on this property. 
I went to XXXX XXXX XXXX County Registrar Recorder office and this is in my history under account numbers I never saw. 
I reviewed my paperwork and found that XXXX transferred my loan for servicing to XXXX XXXX XXXX who had the account numbers on their first letter for payment under their company and during their servicing my loan they changed the number and never cleared the number of the loan. XX/XX/XXXX I wrote XXXX requesting them to clear this erroneous information from my property and the letter returned undeliverable. 
XX/XX/XXXX I need help in obtain the XXXX statement showing my payment of this property which then the 3rd attorney will take my case.
On XX/XX/XXXX I received a notice from Diversified Consultants, Inc. to inform me about an alleged debt with XXXX XXXX in the amount of {$1600.00}. I notified them within the 30 days after receiving this notice and I disputed the validity of this debt. I sent a certified letter on XX/XX/XXXX. I received their response to my certified letter on XX/XX/XXXX. 

My certified letter ( which I am attaching to this complaint ) requested some of the following : -Agreement with the creditor that authorizes you to collect on this alleged debt -Valid copies of the debt agreement stating the amount of the debt and interest charges -Agreement bearing my signature stating that I have agreed to assume the debt -Complete payment history on this account along with an accounting of all additional charges being assessed. 
-Contractual signatures and agreements of said account -Documentation showing you are licensed to collect in Colorado along with your license number and registered agent. 

The only thing I received was a cell phone bill with talk history from XX/XX/XXXX to XX/XX/XXXX. They failed to validate this debt and they failed to delete this account from the 3 credit bureaus and stop attempts at collecting this debt. They did not submit any of the information I requested. A billing statement is not proper validation of a debt. I do not have a signed contract nor any contract with Diversified Consultants , Inc, regardless whether or not they purchased this debt from XXXX XXXX. 

I have attached all communication with Diversified Consultants , Inc . Since this account was not properly validated, I am no longer legally responsible. Account validation is my right granted by the FDCPA.
Due to an illness, I was unable to work for a period of time. This caused me to fall behind on my mortgage payments. Currently, I am working, receiving Social Security and a pension. My goal is to keep the home, and I have demonstrated my ability to make payments. I have sent the mortgage company five ( 5 ) payments via XXXX. However, US Bank has not acknowledged receipt of the payments. As verification of the same, I am attaching my receipts. The dates and payment amounts are as follows : XX/XX/2017 : {$1600.00} - represents three ( 3 ) payments of {$550.00} XX/XX/2017 : {$1100.00} - represents two ( 2 ) payments of {$550.00} I have been corresponding with the lender, and they gave me a deadline of XX/XX/2017 to bring my account current. The letter is attached. 

I am concerned that I am in the foreclosure process when payments are current with the lender. It is difficult for me to get in touch with my point-of-contact at U.S. Bank. The City of XXXX housing counseling office has worked with me to reach to the lender, who did not acknowledge receipt of payments and to the lender 's attorney, who denied filing foreclosure papers. 
If you have any questions, please contact me at XXXX.
I was contacted by phone on XX/XX/2018 to collect a supposed debt. When I began asking questions regarding what their company name and mailing address was to send them a letter requesting verification of the debt and requesting them to stop contacting me, they would hang up the phone. I had to call them four more times before I spoke to someone named XXXX who gave me the company name XXXX XXXX and a P.O. Box address. When I asked if this was the appropriate address to send mail and if not could I have that address I was transferred to a " manager '' named XXXX XXXX. who explained that they were collecting on behalf of XXXX XXXX and that their company name was Unifin. When I asked if the P.O. box address would go to XXXX or Unifin and who I should address the collector XXXX XXXX. could not provide a straight answer. The company said that they have sent multiple communications by mail, but I have not received any letters or any way to contact the company by mail, or phone except when they call and then hang up when I ask questions.
I was contacted via email by someone claiming they had a guitar I was wanting to purchase. The alleged seller asked me to send the shipping fees via PayPal " friends & family ''. I felt/thought PayPal covered my transaction as their website claims they will, as well as a statement during the transaction shows that I would be able to submit a dispute if a problem arose ( which it did ... fraud, seller never shipped and stoped replying to my email messages ), therefore I filed a dispute with PayPal within days of sending the money. PayPal has denied my claim and closed the disputed amount without reviewing ANY of the evidence I have in emails from the seller etc. PayPal should uphold their claim as it was misleading to present I may be covered in the event that I was paying for an item that never arrived or was not as described. PayPal has denied my claim. I will be contacting my credit card company for further review. Also had to file a police report on a XXXX website as the alleged seller resided somewhere in the XXXX. Transaction number for PayPal : XXXX
My name is XXXX XXXX. I was working with XXXX XXXX to help with my credit report. I want my subscription cancelled and a refund plus all the money i paid towards the company.

I'm not satisfied with the results and I want my refund ( one time fee to start the process ) also all the money back that I used for paying towards XXXX.

Please and thank u.

Social security number:XXXX
I contacted EQUIFAX regarding an account reported by them as late payment to correct it. Equifax never communicate back to me regarding the account. I contacted XXXX College been on record per Equifax, they report the late payment. XXXX College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX on behalf of all the school. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Equifax. XXXX College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX on behalf of XXXX  University of XXXX XXXX   under account number XXXX, which is also on file with EQUIFAX and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under the account number XXXX, and I made a payment of {$40.00} on XX/XX/19. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.