WillisBack/dataset-financial-user-claim huggingface dataset:
I initiated a balance transfer of {$10000.00} with my chase freedom credit card and the check for {$10000.00} posted on XX/XX/XXXX in my account. At the time of initiating the transfer the terms and conditions stated 12 months from check posting. Now chase customer service tells me that the promotional balance transfer expires on XX/XX/XXXX.
I contacted XXXX and asked them to correct the inaccuracies that they are reporting to Experian, XXXX  and XXXX they ignored my request. 

I contacted XXXX, XXXX and Experian and asked them to verify this incorrect information or remove this account from my credit file because it is not being reported with 100 % accuracies. 

They are reporting different things to all three of them. The account types are different. The 30, 60, 90, XXXX  and XXXX  are being reported on differently. The same derogatory late payments are being reported on all the reports on different months. An account that is reporting 100 % accurate information would never do that. All the information would match on all 3 credit reports.
i do not know this company and they are very rude and unprofessional. Please stop calling me for a debt i do not have
I called amazon to payoff the {$65.00} whicj the last balance I had to pay it off and they stated they did not have any record of my account, so I disputed the information to get it removed be uase according there was no record whatsoever.
Have been trying to get numerous errors of my consumer credit reporting file without success ; have written letters, phone calls etc issues still have n't been remain the account I have an issue with that are reporting on all 3 of my consumer files are Chapter XXXX Bankruptcy per new law that is reporting inaccurately and needs to be removed : XXXX XXXX XXXX Accounts that are reported included in a bankruptcy I did not file and does not belong to me are XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX and XXXX XXXX these account are not mine, are reporting invalid I have not signed a contract with these companies no monies are owed and I would like these accounts, all inquires not attached to an account, and bankruptcy removed from all three of my credit reporting files immediately.
My card was closed by Blackhawk and they are taking their time getting the funds back to me. I have submitted all the docs that they need, yet it is taking them a long time.
An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations.
American honda finance is practicing to request for settlements such as the company received from me XX/XX/XXXX. Then report to the IRS I owe the remaining balance. Although the debt was charged off on credit report XX/XX/XXXX. The company would not show up in court when I filed a complaint against the XXXX Honda Dealership and American Honda. It was told there address was not listed in XXXX. So I received the run around from the time vehicle was purchased. I traded in a XXXX Toyota for a XXXX Honda XX/XX/XXXX then received a bogus contract the seller ran off for his practices where he received monetary for a transaction that I ended up having difficulty getting rid of once the company played there shady games towards me.
I submitted a request to Equifax for several items for dispute. I never heard back from them within the required 30 days and they should take these items off my report since they did not respond in a timely manner.
Someone has been using my identity to apply for jobs, government benefits, open credit cards ... .ect ... .The following accounts are not mine or opened by me : 1 ) XXXX  XXXX XXXX  Acct XXXX XXXX 2 ) XXXX/XXXX  ( XXXX  ) Acct # XXXX 3 ) XXXX XXXX XXXX Acct XXXX XXXX
My Synchrony Bank XXXX XXXX Credit Card issues monthly reward checks based on purchases that month. The past XXXX hard copy credit card statements were not mailed to me along with my reward checks. I lodged a complaint for the first instance in XXXX for the bill cycle end date of XXXX XXXX, XXXX with due date of XXXX XXXX, XXXX. Many emails back and forth and I was told I would be receiving a new hard copy with check. The hard copy and check both were stamped " duplicate '' and the reward check could not be used. This month bill cycle end date of XXXX, XXXX, XXXX was also never received. So, they not only did not send my XXXX reward, they now owe me a XXXX reward. Obviously no one is trying to figure out who is screwing up over there but that is not my problem. I will no longer use the card unless and until they submit to me the earned rewards for XXXX and XXXX and all future earned rewards as well.
I was never late in paying my Capital One. The account was on autopay set up through Capital One and that had been the mode of payment since establishing the account. I do n't know how they can justify destroying my credit by stating that I was XXXX and 60 days late for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital one they refused to take this enormous mark off my credit. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX, XXXX and XXXX off my credit report.
We have been through ( if u want to call it that ) XXXX different modifications. Problem is the company Ocwen always refuses to give us any details of the permanent modification until we pay the 3, once XXXX trial payments, which we have always done. If we ask for an upfront look at permament terms we are told u can refuse the trial payments but are not guaranteed this trial or another future trial and foreclosure will continue. You will never see the permanent terms until you pay the trial.Then we get the permanent terms with a balloon payment of {$80000.00}, {$99000.00} or bigger monthly payment which is never mentioned or even hinted at in the trial plan terms. Our house is so far underwater it is heartbreaking. Homes on our street are not selling for {$120000.00}, one sold for {$40000.00} at auction. Our current modification just started including a balloon payment total : {$300000.00}. We can afford {$1100.00} a month and a fair loan balance. We appreciate any help anyone wants to give us but this does not seem like help ecspecially from Ocwen, who seems to lose every document you give them, stretch out the process and continue to add these home inspection fee 's week after week. We are smart enough folks with college degree 's, we know who caused the collapse in 2008 and it sure was not your everyday people like us. Yet, '' not one XXXX XXXX person went to jail '' per XXXX XXXX in last nights debate. We will vote XXXX like we always do but we will never get ahead. The XXXX XXXX folks made XXXX, collected insurance for loses from XXXX and XXXX more in bailouts.People say they paid back the bailouts : It is easy to pay back when u made XXXX in scams and paid only XXXX in fines??? Yet we are only offered {$120.00} or {$80.00} a month off mortgage payment or {$10000.00} in principal reduction, and it is tacked on the end ( Balloon ), or kicker you must pay tax on it.. We have put our blood, sweat and tears in our home. Never late in the fist XXXX years of our mortgage..Finally the real kick in the XXXX. We lost our entire home and contents to a woodstove fire in XXXX 2008. Insurance covered us, and even gave us alot of money for every personal item we lost : My wife and I and XXXX kids, XXXX years worth of stuff. Every toy, clothes, shovel, plates, t.v, stereo, throw rug, Holiday decoration, etc. etc. Alot of money in personal items paid directly to us. My wife and I decided to be smart and put that money someplace almost guaranteed for our kids future. We put it all into building a new house double the size of the one that burned and now our current house is worth much much less then even the one that burned?
In XXXX my husband and I fell behind on our mortgage due to his being laid off of work and subsequently filed Chapter XXXX bankruptcy protection. Our mortgage at the time was being serviced by Ocwen. We filed chapter XXXX on XXXX XXXX, XXXX and began paying as scheduled by the Chapter XXXX trustee with the understanding that all missed payments were part of the chapter XXXX plan. We continued to pay our mortgage to Ocwen on time each month and at some point our mortgage was sold by Ocwen to XXXX. Now that we are discharged from Chapter XXXX, XXXX is claiming that we are behind dating back to XXXX XXXX when our loan was owned by Ocwen. After contacting Ocwen, they gave me a copy of our payment history and it appears that they were not applying our monthly payments properly, instead of our post-petition Chapter XXXX agreement, they were applying each month to cover past due amounts that were being paid through the Chapter XXXX trustee. I would like Ocwen to fix the accounting errors on my account and work with XXXX to also correct this error. XXXX is reporting us as late every month since were were discharged due to the " missing '' payments that Ocwen misappropriated.
I received a letter from GC Services Limited Partnership about student loan debt I owed. I called them the week before XXXX, XX/XX/2017. I provided my financial information over the phone to them to get me qualified for a rehabilitation program. I was provided a payment amount and made my first payment that day. I waited for the paperwork to come, signed it and sent it back. A few weeks later I was called and told that I owed a much higher payment amount and needed to make that. So I agreed, made that payment, waited for paper work, signed it and returned. This continued on every month since. I get a phone call advising my payment is again much higher than previously stated, no one can give me a reason why and I just have to make the payment or I will have my wages garnished. I've tried working them for over 3 months now to get this plan started so I can improve my credit and get this behind me but they continue to have problems on their end that I end up suffering for. No one will give me any credit for the already {$800.00} I've paid them. The program works so you make a monthly payment for 9 consecutive months and then you're student loan debt is put back in good standing and you can apply with a different servicer to lower your payment. So after 3 months and {$800.00} they refuse to give me credit for those payments at no fault of my own, which they even admitted on the phone!!!! I can't deal with this company. They should not be in the debt collection business and I feel like I was just scammed from them. Can someone please contact me to help get this company out of business so this does not continue to other borrowers who just want to improve their credit scores.
This is the third attempt to resolve the same and persistent issue I am having with Dovenmuehle regards a missing check for {$5500.00} they disbursed on XX/XX/XXXX. 

I am appealing to the CFPB to conduct an investigation into this. 
On XX/XX/XXXX I submitted to the CFPB a complaint to regards a missing check disbursed by Dovenmuehle. The compliant number was XXXX and I have attached a copy of that complaint ( Doc 1 ). The company responded on XX/XX/XXXX and the response is also attached to this complaint ( Doc 2 ). 

However missing from Dovenmuehles response were the important attachments cited in the letter and thus I deemed the response incomplete. These were also never received by mail either. I needed to see the copy of the check ( front and back ) to determine who and where it was deposited as I have never received nor cashed a check from Dovenmuehle and believe the burden of proof is on their side. 

On XX/XX/XXXX I submitted another complaint ( XXXX ) stating that this important document they supposedly attached, was, in fact missing. At this time I once again reiterated my request. On XX/XX/XXXX the company responded with a letter stating I would be mailed out both regular and certified mail ( Doc 3 ). 

As of XX/XX/XXXX I have still not received the information I have requested and feel as though this is a deliberate attempt to avoid providing the information. 
In addition to this lack of direct response Dovenmuehle consistently direct me to the new mortgage servicer ( XXXX XXXX XXXX ) for information. I have contacted XXXX XXXX XXXX and they themselves have not received any such escrow analysis from Dovenmuehle and their requests for this documentation have also been ignored. XXXX XXXX XXXX have suggested I file my case with the courts and that they would be willing to support my claims that Dovenmuehle have on multiple occasions failed to supply documentation on the handling of my mortgage while in their hands. 

I am requesting for a third time that Dovenmuehle provide to me a copy of the front and back of this check to confirm a ) if this check was indeed cashed, b ) who this was cashed by, and c ) the banking institution that cashed this check. 

Given uploading here and regular mail have failed I suggest that Dovenmuehle simply email all the documentation to me at XXXX XXXX XXXX to ensure that this is done in a timely manner. I would also like someone at Dovenmuehle to reach out to me directly by phone to help resolve this issue on XXXX XXXX XXXX.
I received a letter from DYNAMIC RECOVERY SOLUTIONS stating I owe {$440.00} to XXXX/XXXX XXXX XXXX XXXX and the current creditor is XXXX XXXX   XXXX. I had a financial consultant repair my credit a few years ago. This was debt was not there. I paid all my debt in full. I don't know where this bill came from. I called the lady said it was a bill from XX/XX/2007.
have not received following 5 withdrawals : I Have not received those wires from COINBASE XXXX XXXX XXXX {$2900.00} reference # XXXX XXXX XXXX {$9900.00} reference # XXXX XXXX XXXX {$9900.00} ref # XXXX XXXX XXXX XXXX {$9900.00} ref # XXXX XXXX XXXX XXXX {$48000.00} ref # XXXX Please update me as soon as you are able to. 

Thank You.
I am showing on my credit report that an account was opened up on XX/XX/2018 for XXXX XXXX that I owe {$370.00}. I did not open any account on XX/XX/2018 and I need to have this removed from my credit report. I believe this is yet another account that may have been opened fraudulently due to identity theft because my information was expose in a data breach from XXXX.
Over the past few years I 've been disputing an outstanding collection on my credit reports with experian and XXXX. The situation is i purchased a cellphone from XXXX through XXXX XXXX XX/XX/2014. I was told there was a 14 day return policy if i did n't like the service. The service was horrible and i returned the device. I was told the account was returned and close as i was switching back to XXXX.  Down the line a receive mail stating I owe XXXX XXXX XXXX for something that i returned and do not own. I returned to XXXX XXXX to get a copy of the retiring receipt which i forward to the collection company ( XXXX XXXX XXXX and the Reporting agencies ) I would like these accounts removed from my report being that i followed all guidelines of returning the device.
Ocwen acquired my loan from XXXX XXXX XXXX in XXXX XXXX. I was in chap XXXX bankruptcy at the time and it has since been discharged in XXXX XXXX XXXX. Ocwen waited until i was no longer under protection of chap XXXX and then claimed a bogus post petition debt that they say i owed and accelerated my loan to begin forclosure. i have proof of all my payments to ocwen and i am not in arrearage post petition!! They were paid all monies due pre petition but insist i owe them post petition payments due for months of XXXX XXXX until XXXX XXXX I even have statements where one month they claimed i had no post petition debt in XXXX XXXX and then the next month they claimed $ XXXX post petition and the number rises every statement. If i was so called in arrearage post petition then why did they never file a motion for relief from automatic stay during my bankruptcy since they claim my missed payments date back to XXXX XXXX and I was still under bankruptcy until XXXX XXXX. What mortgage company in their right mind would let XXXX post petition payments be in arrearage without filing a motion with the courts to stop an automatic stay!! What they did was waited until my bankruptcy was discharged because they have been trying to get my home because their is plenty of equity since i first filed bankruptcy. They are liars and only put foreigners in their customer service dept and they cant understand what you are trying to convey to them. They also show me as having owed a mortgage payment that was higher than the XXXX i paid to my prior loan servicer, XXXX XXXX XXXX and when i asked for a mortgage analysis XXXX years ago they never did XXXX but now say they are sending me a check for {$2800.00} because they recently did a mortgage analysis and my escrow balance was too much. The reason it was {$2800.00} over the amount it should have been was because they had me paying the wrong amount for my mortgage payment over a period of 3 years!! Had they done the mortgage analysis when first requested XXXX years ago they would have determined my mortgage payment was incorrect! Please help immediately! They are trying to coerce me into a loan modification so they can cover up there faulty accounting. I do not owe them anything!!! I plan to sue like the case XXXX XXXX vs Ocwen which cost them XXXX XXXX for their faulty accounting on her part.
I co signed on my daughters student loan some years ago. She stopped school and I encouraged her to realize the loan would become due and to setup a repayment plan. I went into bankruptcy in XXXX but continued my own student loan payments. I assumed she was taking care of hers. My attorney listed the debt and said it would be " taken care of '' ( all my own payments were on time ). I ended bankruptcy in XXXX XXXX and the case was soncluded XXXX XXXX. I found out the loan was in default via a phone call from the collection dept and this was XX/XX/XXXX. I verified my daughter knew and was unemployed. She would get back to them. XXXX XXXX XXXX the collection agency of wells fargo took {$3600.00}. from my account via a " written check ''. I called and they said they would give back some of the money {$1400.00} but it never happened. Wells fargo cant help me as they say its a separate department and they do what they want. Now I have a direct deposit and my tax refund coming. even though they say they wont take these it appears they lie because they promised my funds returned by Tues XX/XX/XXXX.. My income has been reduced by half. Im 6 years away from retirement and losing my vision so I do worry about how long ill be able to work. I need that money.
I have been disputing XXXX XXXX XXXX my credit report and it keeps coming back as verified. I have not received anything in the mail asking me to verify anything. The account is not mine. I'm only XXXX and it looks like it could've been opened when I was XXXX according to the open date. Either way the account does not belong to me. I've never had a credit card in my life. How can they just give credit to someone without verifying that it is the correct person. I need this deleted immediately, it is affecting my credit in a tremendous way. It needs to be deleted from all 3 credit bureau. Thank you.
They never leave a voicemail. I 've filed for bankruptcy and therefore any and all collections MUST STOP. I have n't had a collection call since XXXX and these people just started 4 days ago.
I have a hard inquiry from Barclays bank on XX/XX/2018 but I haven't applied for any credit cards or loans with this company. I already contact the credit bureaus and placed a fraud alert on my credit report. Please remove this fraudulent hard inquiry from my credit report.
I sent Synchrony Bank notarized documents, a copy of my XXXX XXXX XXXX  statement, Arizona Drivers License and social security card to verify my identity. Synchrony Bank is making wait 60 days before they release the temporary block off of my XXXX XXXX XXXX Account : XXXX and my XXXX Account : XXXX, and numerous other Synchrony Bank retail accounts. I shouldnt have to wait 30 or 90 days to have a temporary block removed from my accounts, so I can use my accounts. I have verified my identity and acknowledge, I open up all the accounts with Synchrony Bank. Im been discriminated against and been treated unfairly by Synchrony Bank, all because of my race with me being XXXX ( XXXX ). I feel if XXXX XXXX treat its customers this way. No customer/consumer should do business with XXXX XXXX.
XXXX XXXX Certificate of Savings Deposit for my XXXX children in XXXX and XXXX at XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, PA XXXX. XXXX XXXX Bank was bought out on XXXX XXXX, XXXX by XXXX Bank ; on XXXX XXXX XXXX XXXX was bought out by XXXX XXXX XXXX Bank ; on XXXX XXXX XXXX XXXX XXXX XXXX XXXX was bought out by Wachovia Bank ; on XXXX XXXX, XXXX Wachovia Bank was bought out by Wells Fargo. While going through my paperwork I came across the Certificate of Savings Deposits. They have never been cashed. I never received a notice of forfeiture of money if not chased by a specific date. During the banks buy out no one ever contacted me or my children about the Certificate of Savings Deposits. I have contacted XXXX different Wells Fargo Banks, XXXX in XXXX and XXXX in XXXX. They give me the same line. We have no records after 7 years and there is on funds. I understand they have a dormant fund. The bank has never even informed me about this fund. We are not talking about XXXX dollars here. I just want my children to receive the money that they are entitled too. Please, I would appreciate any help. Thank you
I am filing another complaint on the following unauthorized and fraudulent accounts that 's listed on my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, MN Child Support Enforcement and XXXX XXXX. The following credit inquiries are unauthorized and fraudulent as well : XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX , XXXX/XXXX/XXXX. I am a victim of identity theft.