WillisBack/dataset-financial-user-claim huggingface dataset:
All three of these companies would not remove erroneous items from my account, namely XXXX XXXX not mine ), XXXX ( fraud apartment complex that kept my lease active after I gave them my PCS orders signed by my commander ), and XXXX XXXX not mine ). After a year of writing letters and filing disputes, the completely unhelpful call centers that are on entirely different continents, kept telling me that they are only a reporting agency. I was baffled by this! I 'm here to report that all three of the credit bureaus are ran by child predators! It might not be true, but that 's what I 'm reporting.
I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XX/XX/XXXX.
Ive had my rush card since XXXX. The company decided to do a massive update on Monday XXXX advising we would not have access to our accounts until XXXX. then put out another notice saying our accounts will not accessed until noon that day, luckily they stayed true to their word and I was able to access my money and get to make it home that night. moving on as the days went on I noticed a lot of pending items on my transaction history and I was missing over XXXX and not able to pay my car payment or car insurance or light bill. ive tried to contact the company via phone and through twitter with an automated response sayin someone from the company would contact me. that was a week ago and I have yet to hear from anyone. ive literally paid my money to this company for 6 years. that is XXXX in MEMBER FEES over the past 6 years and I am missing money to pay my bills. its insane because the COMPANY OWNER Himself is abillionaire. its just sad. he can more than afford to issue ADDITIONAL refunds to all the accounts affected PLUS the money that is owed to them. ive had to stop my direct deposit and figure out how to cash my upcoming paycheck. you have the money and resources to fix the issue. get it done. I have a credit union as well but I Loved the convenience of getting paid early and with my family living so far away from me green dot access cards were great for when my mom wanted to send extra money. now I do n't know what to do and the company could care less. no one has reached out to me and I need a resolution. now.
I have a home loan with Caliber Home Loans. It is for my home in XXXX XXXX, LA. I currently live in XXXX, NC and was not able to sell my XXXX XXXX home for 11 months but then was able to rent it. 
I lost my job on XXXX. I contacted Caliber on XXXX XXXX. 

1. After receiving their Loan Modification package in the mail, emailed the entire package to them on on XXXX XXXX. 
2. I received a request for more documentation and submitted it on XXXX XXXX. 
3. I received a request for more documentation and submitted it on XXXX XXXX. 
4. I received a request for more documentation and submitted it on XXXX XXXX. 
5. I received a request for more documentation and submitted it on XXXX XXXX. 
6. I received a request for more documentation and submitted it on XXXX XXXX. 
7. I received a request for more documentation and submitted it on XXXX XXXX. 
8. I received a request for more documentation and submitted it on XXXX XXXX. They have 30 days for their underwriters to review the package. This request was about 27 days into the review. Their request was for the mortgage statement for my other home. 

The multiple submittals noted above have truly appeared to be a stall tactic on their part. I have also called their offices no less than 24 times, trying to get information. 

The last status I obtained was on XXXX XXXX, telling me that my application had been denied. I am still unemployed and actively looking for a new job. 

I would be happy to share all of the details, which I have maintained. 

As a side note, the other mortgage that I have with XXXX, had the loan modification completed on XXXX XXXX. They requested two submittals in total. I had contacted them the same day I contacted Caliber.
Our check payment was purposely held up by Sun West Mortgage Company to be able to prematurely report us as 30 day delinquent and prevent us from refinancing with another mortgage company. Our mortgage is due every XX/XX/XXXX of the month. This XX/XX/XXXX we mailed our check on the XX/XX/XXXX to Sun West 's XXXX Ca Office. Mail should not take more than 5 days for our payment to get to them as we also live in California. On XX/XX/XXXX, a 30 day mortgage delinquency report was filed to the three credit bureaus which led to the credit score of my husband to drop by more than 100 points. Please note that XX/XX/XXXX is only the 29th day from our due date. We were trying to refinance with another company since Sun West sat on our refinance with cash out application which we started XX/XX/XXXX. Sun West knew that we were trying to move, thus the malicious report. Initially, SunWest 's customer service confirmed to us via phone that they received our XX/XX/XXXX check payment on XX/XX/XXXX which means that we made it on the 30th day and we should not have been reported. The malicious report they did halted any chance for us to refinance either with them or any company for the next 12 months. . Based on FCRA Compliance, delinquencies are calculated based on the due date. The credit reporting options for reporting late payments does not include one for being 1-29 days late. This doesnt exist and any lender that attempts to report someone as being late before they are full 30 days past the due date is providing knowingly an incorrect information to a credit reporting agency. We begged them over the phone several times XX/XX/XXXX, emailed for reconsideration and wrote a formal letter requesting clemency on the delinquency report ( upon their advice ) only to find out that we have already been reported. All our pleadings were unheeded despite the fact that we are existing clients for almost three years now and have never been late in our payments.
The company IC systems contacted my employer and shared debt information with them. The company is continuing to hit my credit report with hard inquiries each month.
After receiving my three ( 3 ) Annual Credit Reports, I discovered that Chase Card Services had flagged my decades old account ( which was never reported negatively ) with a late payment in XX/XX/XXXX.

As such, I contacted the Credit Bureau Support Unit ( CBSU ) of Chase and an investigation was commenced centering around the XX/XX/XXXX period of time. During this period, I was experiencing severe financial hardship due to loss of employment and a reduced pension allowance. I was in telephone contact at least twice in XX/XX/XXXX with Chase Card Services in an attempt to remain in good standing with my payments and requesting relief.

Chase contacted me on XX/XX/XXXX via telephone and explained that one of our telephone conversations had been transcribed from XX/XX/XXXX ; however, only one conversation was eligible for transcription. The reason for this arbitrary and capricious policy was not articulated. The conversation that was transcribed revealed that I was instructed to make ANY payment in order to keep the account current and such action would not impact me negatively. I understood this direction to mean my account would continue to be reported in good standing. Chase 's view of this direction was explained to me as only being advice and not meant to convey favorable reporting of the account. Indeed, a later conversation in XX/XX/XXXX would convey the same direction, but alas Chase declined to transcribe both contacts.
XX/XX/XXXX-XX/XX/XXXX. 
This college is part of the XX/XX/XXXX Lawsuit. 
Their credits were useless not able to transfer college units plus their studies were incomplete and they were giving a degree an XXXX XXXX After incomplete after incomplete studies. During around XXXX  close their doors Those students were forgiven of their student loan. I was not forgiven of my student loan because I was not a student in XXXX. 
That should not matter Because they were also in violation when I went there.
Chase Bank has refused to honor my promissory note which is my financial asset yet kept it beyond the midnight deadline. That asset is connected to my UCC # XXXX is seen as cash XXXX & XXXX. which I signed in front of and gave a copy to law enforcement Chase Bank policy not above the Arizona Law nor United States Code. 
Chase Bank would have had to return all the documentation given to it to avoid incurring liability. This did not happen. Arizona Revised Statute XXXX XXXX. 
1.A demand item, other than a documentary draft, whether properly payable or not, if the bank, in any case in which it is not also the depositary bank, retains the item beyond XXXX of the banking day of receipt without settling for it or, whether or not it is also the depositary bank, does not pay or return the item or send notice of dishonor until after its midnight deadline ; or 2.Any other properly payable item unless, within the time allowed for acceptance or payment of that item, the bank either accepts or pays the item or returns it and accompanying documents. 
I sign all my Private Bankers Notes ( promissory notes ) in front of law enforcement and give them copies so they know I am not doing any kind of fraud. I also include a card with every Private Bankes Note I create to the police department where the note is witnesses being signed.
Account from a cable company appears to be in collections with a balance of {$550.00}. However, I 've been on time with payments, and I called the cable company they said they have not sent any account under my name to collection. Also, this collection account has a different number from my original, and it just appears in XXXX credit report XXXX Equifax XXXX .I sent a dispute, but I havent gotten an answer yet. I would like this to be looked into please.
A month ago I was looking to go back to work. I was emailed by a " foreign company '' asking me to fill out an employment application online because they wanted to hire me for a purchasing position. I filled out the application and the next day they said they wanted to hire me and have me start right away, however, they needed time to issue me a company credit card and so wanted me to use my credit cards to begin purchasing products and sending them to their customers. They would give me account information which would allow me to transfer money onto my credit cards and after the money had posted they wanted me to purchase items and send them to clients. After about XXXX weeks I started noticing that the wire transfers that I had made were being sent back to the banks and the reason given was, " no authorization '' for transfers. I did n't even know the credit cards companies could send the money back without talking to me first so I immediately went to both credit cards and asked them to shut down the accounts and not send any of the transfers back because these people had the merchandise that I purchased for them. Over and over all the credit card companies would tell me is that they had never heard of anything like this and after XXXX hours on the phone, and multiple insults with XXXX credit card company they did finally copitulate and shut down the account so that no further funds could be sent back, however, the other credit card company would not do anything to help me no matter who I spoke with. I did file a report with my local law enforcement agency and the FBI but that did n't matter to the credit card company. I now have to payback a healthy amount to that credit card company and I am not getting any direction from local law enforcement or the FBI so I do n't know how long I can keep the other credit card company from unlocking my account and sending the funds back to the scammers. The other credit card company who sent all the funds back wo n't see this as a scam ( because they have never heard of a situation like this ) and on top of the many insults I have had to endure from them, I will have no choice but to pay the money back and will not be able to utilize my credit card while I am doing so.
I 've disputed a XXXX debt with Experian, XXXX, and XXXX more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my XXXX credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.
this is from my idenity being stolen yet this company continues to report this to my credit reports and continues to hold this file with their company acct # XXXX
TO WHOM IT MAY CONCERN, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Misleading and Guarantees made that could not be kept. In XXXX 2015 my wife and I had found a home that we wished to purchase. Before finding the home I spoke to XXXX XXXX and he pre-approved us. When we found the home we started the process for XXXX backed loan. XXXX assured us and even guaranteed that we would make it through XXXX even with our bankruptcy in the past. I was attentive to what XXXX needed and returned all items within 48 hours to him. During this process ( once it was to late to find a new mortgage company, XXXX started to be less responsive and we ended up missing our loan commitment date. XXXX XXXX kept us from going to XXXX and having loan commitment letter on XXXX XXXX like we where suppose to, this was not done till XXXX XXXX. I was vary clear with XXXX upfront about our past, I did not lie or hide anything and informed him when our current lease was up. Due to his delays we had to stay past our lease which caused expenses, by no fault of our own. Once XXXX started reviewing our file, they asked for documentation. I typed up a letter that explained our bankruptcy in more detail and called the XXXX XXXX office and Called XXXX XXXX XXXX Director of GA XXXX XXXX. XXXX ended up denying us, and XXXX never submitted the letter I typed up to them ( that XXXX requested ). When I spoke to XXXX XXXX and the XXXX XXXX, had that letter been submitted then they would have approved us and it did show we where less of a liability then we where when we filed for bankruptcy. So due to XXXX 's lies, incompetence, misrepresentation I am left with a lot of money lost, a forever home lost and expenses that I have to pay now that are not my fault. I have spoken to a few people and found that shortly before I began my process with XXXX Mortgage, XXXX employee 's walked out because of this same unethical behavior. I have also discovered that XXXX Mortgage claims to be a preferred provider for a lot of organizations, when they really are not. After speaking with parties involved in this ( minus XXXX Mortgage XXXX and my attorney, we believe this is a bait and switch style scam. I have all e-mails documenting my entire experience with XXXX Mortgage.
As of today, I am only one month behind on my mortgage payment for my condo located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX. It is currently up for sale and I have already moved. The condo was purchased prior to the housing market crash, so I owe more on it than it is worth. I can not wait to get rid of it. 
My concern is that the mortgage company Dovenmuehle Mortgage , Inc. has not  been posting payments sent to them, and have not even cashed a couple of of checks I have sent them. Dovenmuehle Mortgage Inc ( DMI ) claimed not to have received a cashiers check I sent them from my credit union, but I have proof that they did receive it from my credit union, which I will attach. I also sent them a check from my XXXX XXXX Checking account, check number XXXX dated XX/XX/2018, which still remains outstanding/not cashed. 

These are a few of the problems that I have reported previously about this company. This is very serious, and this company needs to be investigated and shut down. The statements that they have sent to me are hardly ever accurate. Something needs to be done and action needs to be taken on Dovenmuehle. Dovenmuehle is making it difficult for me to get rid of the underwater condo, that I still must pay a condo fee on  every month plus utilities, which if costing me even more money I simply do not have, well at least until I can get this condo sold via a short sale.
On XX/XX/18, I purchased XXXX of Ethereum from Coinbase for {$15000.00}, including their fee. I used a new account with XXXX XXXX that they had already verified using small test transactions. Several days later, when profit of over {$5000.00} was assured, they reversed the transaction, instead of delivering the above shares to my account. Their excuse was that XXXX XXXX, who they had already verified, reversed the charge. Instead of charging a different account for the shares, they simply kept these profits for themselves. In their email about the reversal, they even acknowledge their ability to deliver shares not paid for yet, giving them the obvious option to have delivered the shares to me if the trade were not profitable ( and holding me accountable for order amount rather than their taking the loss ). This reeks of double dealing and I insist they put the original transaction through with the other linked account I have on record with them ( XXXX XXXX XXXX ).
The same debt was collected on by XXXX different company 's CITI hired and now we are having a hard time obtaining a refund on the XXXX. Please help assist us
XXXX XXXX Debt of {XXXX} showed up on my credit reports in XXXX XXXX but debt was supposedly opened in 2014. I recently contacted XXXX XXXX and the collection agency XXXX XXXX XXXX concerning this matter. After 30 days later XXXX XXXX XXXX dismissed the debt and XXXX XXXX sent a letter in XXXX which I do n't speak not sure why the letter was sent in another language. I had the letter translated into english it said the debt was dismissed XXXX XXXX but it still shows bad debt on my XXXX and XXXX credit reports.
XXXX XXXXXXXX XXXX hard inquiry XX/XX/XXXX ( not authorized, never heard of bank ). Again on XX/XX/XXXX ( not authorized ). 
XXXX hard inquiry XX/XX/XXXX and XX/XX/XXXX ( not authorized, never heard of ). 
XXXX XXXX hard inquiry XX/XX/XXXX( not authorized ). 
US Bank hard inquiryXX/XX/XXXX ( not authorized ).
I purchased a Home and Financed it thru XXXX using a FHA Loan. The REP for XXXX told me that once the Value of the Home went up 20 % i could request to have the Morgage Insurance dropped. Shortly after that the Loan was sold to Wells Fargo Bank. In 2012 i contact Wells fargo and asked them to drop the Morgage insurance since the Value of the Home had risen 20 %. 

They sent me a letter that i had to wait at least 5 years for them to drop it. I am paying just over {$300.00} a Month on the Insurance. 
My Current Morgage Ballance is XXXX and the Value of the Home is between XXXX and XXXX. 
.Thank You
Mortgage was sold from XXXX to Carrington Mortgage Services. My information was transferred over including my automatic monthly payments, but unlike XXXX Carrington has no way of making payments towards principal online if automatic payments are established. This means a physical check must be mailed in or a phone call must be made to make additional payments towards principal. To further complicate this issue, I was required to once again provide all of my bank information ( account number, name, routing number, etc ) despite Carrington already having this information, which is used to make automatic monthly payments.
Dear Consumer Protection Division Ditech will not acknowledge receipt of my complete borrower 's assistance application received on XX/XX/2016 in their Loss Mitigation division in XXXX, AZ. 
Ditech Financial is generating statements claiming that my loan became delinquent on dates that are not true since they took over my loan in XX/XX/2016. I keep showing them proof of payment. 
Ditech is not posting payments on the day it was received. 
The statement dated XX/XX/2016 was received XX/XX/2016 and the statement dated XX/XX/2016 was received on XX/XX/2016. 
The statement dated XX/XX/2016 inaccurately states XXXX payments were missing. 
Check number XXXX for {$1100.00} was received XX/XX/2016 and cashed XX/XX/2016. Yet, Ditech held posting the payment until XX/XX/2016. 
Since Ditech likes to call payments not received on the XXXX of the month as missing payments. 
Ditech will not apply my additional principal to the principal and is putting them in a funds in suspense account. 
Enclosed the tracking information for my XX/XX/XXXX payment received XX/XX/2016 and the borrower 's assistance application which was received XX/XX/2016. Returned checks for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 statements. Copy of check # and XX/XX/2016 statement stub for XX/XX/2016. A copy of the letter with borrower 's assistance application showing all the documents needed to process the application were submitted.