WillisBack/dataset-financial-user-claim huggingface dataset:
Following a refinance in XXXX XXXX, my Loan Servicer did not pay my XXXX Real Estate Taxes from my escrow account in XXXX, the customary time that taxes are paid from escrow. I had an amount listed in the Servicer 's website that provided me with an amount paid in XXXX. On XXXX XXXX, XXXX, The Real Estate taxing authority sent a delinquent tax statement to my home. I researched the Real Estate Tax paid with the taxing authority and discovered that the Real Estate Tax listed on the website was paid in XXXX ( a prior Lender paid the XXXX taxes from escrow ). I have been in contact with the current Servicer and they are making arrangement to pay the XXXX Real Estate. However, I am told that I can not deduct the XXXX Real Estate tax from my Federal Income Tax return since the tax was not paid in the calendar year. This increases my Federal taxes. The Mortgage Interest Paid ( Form XXXX ) did not list Real Estate taxes!
I have received a debt collection from Convergent on a time barred debt that has been written off by the original creditor.
My name is XXXX XXXX. Greentree Lending/XXXX XXXX XXXX XXXX are currently forclosing on my mortgage. 
Before I had this lender I was with XXXX XXXX XXXX for 2 years. With the help of EHLP I paid my mortgage on time every month for 2 years. 
XXXX 2015 : End of EHLP assistance. I contacted XXXX XXXX XXXX to apply for a making home affordable modification. I sent in required documents and waited. 
XXXX 2015 : I received a letter from XXXX that they sold my loan to Greentree and that Greentree would be picking up where they left off with my modification. 
XXXX 2015 - XXXX 2015 : I heard nothing. Not a bill, no follow up on my modification, nothing. 
XXXX 2015 : I received a bill for XXXX to XXXX mortgage payments from greentree. I notified Greentree that they were supposed to be working on a modification for me and they told me they had no record of it so I applied for another through them. 
XXXX 2015 - roughly XXXX 2015 : I received a request for additional paperwork. I mailed in the additional paperwork and no word. 
XXXX 2015 : I received a letter saying they did not get paperwork they requested so I was denied a modification. I notified them I wanted to re-file. 
XXXX 2015 : Greentree lending Began the process of foreclosing on my home. Went to a mediation and got the assistance of a housing counselor. Applied with her help for another modification. Surprise! This time they gave me an offer for a mod however I was not able to get a XXXX XXXX because now I owed too much of a back bill to qualify for the hamp XXXX XXXX a month payment. They offered me a hamp XXXX mod for XXXX per month which is XXXX whole dollars less than what I can pay now. I appealed without the help of my counselor. They responded after my 30 day trial with a denial letter. 
XXXX 2015 : Went to another mediation without my housing counselor. I told them I could not afford XXXX per month and they refused to negotiate with me further to help me save my home. They stressed a quick sale.About XXXX weeks later I received foreclosure paperwork in the mail. 

If Greentree had n't dropped the bomb to begin with on my original request for modification I never would have been denied a hamp XXXX modification! I feel like they are trying to forclose on me and make a quick dollar. I have XXXX kids XXXX dogs and XXXX cats. Where are we supposed to do. They wont even negotiate and it was n't my fault they never picked up the paperwork from XXXX XXXX XXXX!
Transunion is reporting a company by the name of XXXX XXXX, if do not recognize this information as a creditor and nothing can be found with that exact spelling. Please help. Thank you
I recently applied for a job and was not told my credit would be ran. I also did not sign anything saying it could be ran. They ended up running my credit without my authorization.
XXXX XXXX XXXX is reporting multiple accounts as 120 days past due, all having a XXXX balance, and all in excess of XXXX XXXX XXXX. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX.
I have written to both XXXX, XXXX, and XXXX XXXX pointing out that four student loans ( see excerpts attached ) are reporting inaccurately. XXXX XXXX is currently reporting negative late payments on the Payment Status line on my credit report. These four accounts are marked as closed and showing a XXXX balance. How can the Payment Status line show anything other than Current or Unknown? Historical late payments are shown in the 24 month payment history and should never be shown on the Payment Status Line. 

Such reporting is 100 % inaccurate and is hurting my credit score which is extremely harmful to a current home loan approval pending. 

Please correct this reporting error as soon as possible.
I opened a Wells Fargo simple business checking account on XX/XX/XXXX with bonus code XXXX. The terms of opening this account were that I : open a new business checking account by XX/XX/XXXX, make a minimum deposit of {$25.00}, deposit {$2000.00} or more into the new account, have a {$2000.00} minimum balance in the account on day 60 and make 5 or more qualifying transactions that posted to the new account by day 60.

I opened the Simple business checking account on XX/XX/XXXX with a {$2000.00} cash deposit. The same day ( XX/XX/XXXX ), I made 5 mobile check deposits for {$5.00}, {$5.00}, {$5.00}, {$5.00} and {$5.00}. I confirmed via Secure Message that the bonus was attached to my account ( WF SM Screenshot 01 & 02 ). 60 days after opening ( XX/XX/XXXX ) my balance was {$2000.00}. 30 days after meeting the bonus terms ( XX/XX/XXXX ), my balance remained the same but no bonus was deposited into my account. I reached out to WF via Secure Message on XX/XX/XXXX and WF states that no such bonus code is attached to the account ( WF SM Screenshot 03 & 04 ). On XX/XX/XXXX I reached out to WF again and they changed the term to 45 days after day 60 ( WF SM Screenshot 04 & 05 ).

I decided to give WF a chance to fulfill their changed terms and waited until 45 days after the terms have been met but there has still been no deposit to the account.
Previously, I have asked to be removed from any and all pre-approved credit offers from CapitalOne. My name has been removed from pre-approved credit mailing list as confirmed by XXXX. CapitalOne continues to send preapproved credit offerings to me. 

I have asked them to remove my name, address, and all associated data, but they still send these offers to me. Because of identity theft in the past, I have had multiple accounts opened in my name. 

The CaptialOne mail offerings include 3 Easy steps for applying online with a personal confirmation code. 

CaptitalOne has no authorization to have my financial date or personal data. 

Please have CapitalOne remove all information regarding my personal data and confirm this in writing. 

Thank you. 

Best regards, XXXX XXXX
I have a loan with MODERN FINANCE COMPANY. 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 and MODERN FINANCE COMPANY with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/2018 2018
I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : CREDCO  XXXX XXXX XXXX XXXX XXXX ( 3 times repeated ) XXXX ( 2 times repeated )
We recently added land line service to our home. We got a phone number, roughly 3 months ago. Apparently, the previous owner of the phone number, who we do not know or have any idea who they are, owes de bt. One particu lar agency calls everyday. Both myself and my husband have returned the call to tell them we only just got the number. And no idea who they are trying to reach. They say they will remove number but continue to call.   They leave message to call  XXXX  right away, but caller ID shows number as  XXXX  and unknown name.
This complaint is again Nationwide Bi Weekly Administration, IncThis company debited my bank account for my XXXX House payment and never sent the payment to my lender putting me XXXX house payment behind and owing a late fee. Additionally they debited my bank for my XXXX House payment which is due today, XXXX. My lendor has not received XXXX. The XXXX debits total XXXX I have been unable to reach Nationwide via phone, or email. Have called all XXXX of their phone numbers. Any help in resolving this quickly is most appreciated as I do not have the money to pay my house payments.
I 've asked for multiple forbearances and only been given XXXX due to financial issues.
My account was compromised and my debit card was also stolen. I did a dispute with my bank and they gave me the money back temporarily. 

Now they are threatening that they are going to take the money back on the XX/XX/XXXX of this month. They are claiming that " the activity was authorized '' but I never authorized any of this.This is not fair!
I applied as a renter for a home and noticed on my credit report that I had one account in collections. My report states I had a debt of {$300.00} opened onXX/XX/XXXXto Franklin Col and the account was closed on XX/XX/XXXX. Remarks state paid collection, original creditor : 10 XXXX XXXX

During that time, my husband and I were XXXX in XXXX XXXX with the United States XXXX I did not receive any information from XXXX XXXX XXXX or Franklin Col about having an overdue account. I moved to XXXX XX/XX/XXXX and had paid all of my accounts prior to our move.

When we moved back to the United States XX/XX/XXXX, I reopened a new XXXX XXXX XXXX account and had no issues for flags stating I had an overdue account with them.
Three years ago I got a loan through Santander because I did n't have any other choice. The loan 's interest rate is 22 % which should be illegal. I 've paid on time and the payments I 've made have barely made a dent in my loan agreement with them. I 've tried to get refinanced but the vehicle is a 2006 so no other lender will entertain touching it. I 've done the right thing by diligently rebuilding my credit but to what avail. Santander is a company that lacks integrity and should not be in business. I 'm sure there are XXXX of XXXX of individuals in the same boat as myself. This is n't right! So yeah I think a lawsuit should be bought against Santander and any other company that charges ridiculous interest rates. I also want to warn others that sometimes it 's better to not purchase a vehicle especially if you are going to get screwed over by vile sub prime lenders that are allowed to prey on the misfortunate.
XXXX XXXX, my XXXX XXXX XXXX was totaled. XXXX paid Santander over {$14.00}, XXXX for the car. Well, I assumed the care was paid off and I owed nothing. Back in XXXX XXXX, I started to receive noticies from XXXX XXXX. I really thought it was a scam, until I finaly contacted Santander. I contacted XXXX XXXX, and proceeded to make monthly payments, which began in XXXX XXXX. XXXX XXXX, after being paid each month, was still reporting my account as not being paid and reported at first as a new account and then change to collection account with the original creditor being Santander for little of {$6000.00}. But, it strange that the balance was going down on the account. I have statements and emails stating that the account was being paid, but still stating that it was closed and never paid. I recently contacted XXXX XXXX, after they sent the payment for XXXX XXXX back to the bank, they state that the account been closed since XXXX XXXX for non payment. Now I am getting these harassing calls stating that my payment was returned and I need to contact them. But now it is showing on my credit report that Santander is now reporting the same account as a new account for collections.
I received notice via XXXX that my credit score decreased due to a collection added from COMMONWEALTH FINANCE for {$580.00}. I do not recall doing business with this company nor did I receive any notices in regards to this bill that would have allowed me to dispute it. The account was opened XX/XX/2017 and I had no medical services at this time. 

I have contacted the company in an attempt to verify this debt is indeed mine but I have not heard from them.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX Loan # XXXX Contact Info : XXXX XXXXXXXXXXXX I am asking for XXXX to remove the credit delinquency from my credit report as well as my wife 's. 

On XXXX XXXX, 2016, I called into the XXXX XXXX Department ready and able to pay the mortgage and fully aware that I was 10 days past the XXXX XXXX grace period. The reason I called in was to speak with a specialist in regards to my options if I had any. I wanted to know if had an options in regards to the payment because this month was financially tight and we were in the process of a refinance. The XXXX customer service rep suggested the following option below. 

I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XXXX and XXXX it was a verbal agreement that started that day. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. 

My issue is that I was never informed the impact that would take place on my credit for accepting this payment plan and show up as XXXX 30 day lates. When I received a notice my credit report was altered and a 30 day late was posted to my credit monitoring I called XXXX to ask them to be removed. Simply due to the fact that had we been advised it would affect our credit that way when suggested by the rep we would have not choosen this option. The payments have been made on time for 3 years, never missing one. I was told by escalations that the agent would be reprimanded but that this was my error and not a bank error. They said it was not their responsibilty nor need to let us know it would effect our credit. I asked why the agent would be reprimanded if that is not the case but also feel it is entirely unethical to not explain in detail to a customer who is asking for all options and ready to pay the impact it may have on them. I feel this is pretty simple, I called in on XXXX XXXX ready and able to make the mortgage payment plus late fee. I was advised that I could break it up over the next few months as stated above and was never told of the negative impact that would take place on my credit score. Escalations emphatically explained that the terms were disclosed inside of the paperwork, which did not require any signature. Either this was all done inadvertently which I totally understand or a system that is inherently flawed. How is it that a professional working in the loan department can offer me a plan that makes me even further late on my payment ( XXXX XXXX ), does n't disclose the negative impact on credit score, validate it by paperwork that may or may not ever reach the person ( no signature required to prove received, or signature to acknowledge terms XXXX? I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score?
We currently have a mortgage on property in XXXX PA XXXX with Chase. Chase regularly misapplies payments and will apply payments to principal rather than to the normal payment due. Chase will then contact us to tell us that our mortgage is past due and threaten foreclosure. This happend approximately XXXX month sago and after a conversation on the phone they finally fixed their error. This has now happened again. I contacted Chase on XX/XX/2016 and after a long discussion their representative advised that they had misapplied the XX/XX/2016 payment to principal, would reverse it and issue a new statement within XXXX hours. On XX/XX/2016 i received a new collection notice stating that we were XXXX months behind and we still owed additional funds. Since we pay our mortgage every month this seems quite impossible.
XXXX XXXX XXXX XXXX account has been satisfied and reached the Statues of Limitations. Deleted off of 2 reports but not all
On  XXXX / XXXX /   2017  I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XXXX   XXXX  I accidentally  made two electronic payments. I placed a stop payment on one of them to avoid an overdraft and l et the other payment process through my bank. I notified  XXXX  of my Intentions on the  XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all   XXXX   credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in t he two years sin ce opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide y ou with one
I was given my parents home in a trust and was deeded to the trust. It is a VA loan. The company Planet Home Lending was notified of this change in 2013. I continues all payments and they accepted the insurance all years. Now they have requested the insurance state the ESTATE of. There is no Estate it is a trust. They gave me the option of getting this stated or I would need to assume the loan. I in good faith have made all payments, insured and made this my home.
I purchased through Care Credit a prepaid service for XXXX. I was invited in to review my height and weight, the person handling the observation, had no medical background. She determined i was a " candidate '' for the XXXX procedure which required pressure sales tactics. I finally agreed after being coerced, into contacting Care Credit, after I had mentioned I did n't have the money. They called a direct line where I was instructed to give my information, and they increased my limit with minimal review, in less than a minute. At this point I was on the hook for this service as it was charged to my card in the amount of {$2000.00}. The office is run by a XXXX who then will offer to include XXXX evaluations to help with the XXXX. What I was sold were liquids that were run through a magic light and brought to " life. '' The real secret is n't given until you pay the {$2000.00} and then you are told to be on a strict XXXX calorie diet. At this point, I had already spent {$100.00} non-refundable for my initial exam and the {$2000.00} for my Care Credit Card. I believe this is a scam and fraudulent and Care Credit should be partially responsible along with the XXXX XXXX office in XXXX, FL.
per attached creditor is reporting incorrect account status, payment status, balance and past due amount. It seems to be a game of destruction and irresponsibility to ruin and defame those whom demand correct reporting. XXXX blames USAA and USAA blames XXXX. Both should be shamed ... as none of the information reported is correct. This loan was paid in full nearing five ( 5 ) years prior.
The item was discharged in Bankruptcy Court in 2012.  Now National Credit System is attempting to collect on a discharged account by a Federal Bankruptcy Court Judge. I submitted proof of Bankruptcy Discharged for the item to XXXX and it was removed. Now it is back as a Collection, which is illegal and a fraud. I will complain to the FTC and sue National Credit System for Fraud, Deceit, and Identity Theft. I will also submit a complaint to the California Attorney General for Fraud, Deceit, and Identity Theft. 

National Credit System- REMOVE THE FRAUDULENT COLLECTION ACCOUNT IMMEDIATELY IF YOU DO NOT WANT TO GET SUED/FINED for violating FDCPA and FCRA. National Credit System never sent me any proof of documentation for the alleged item, falsely claiming on a discharged item, and the item has never been properly verified. Section 609.
After hearing an advertisement on the radio from XXXX XXXX XXXX, a division of SunTrust bank, in regard to personal loans with no hard credit check, I applied. Three weeks later a hard inquiry appeared on my credit report. 

I spoke to a customer service representative at XXXX XXXX, and basically was told to deal with it. When I pushed back he stated that he would log a compliant with the company. With in five minutes I had a email telling me to take up my complaint with the credit bureaus with phone numbers attached, they were wrong numbers?? They have no intentions on handling my dissatisfaction of their business practices. 

They also advertise on XXXX, XXXX web site stating a soft credit hit. So they are false advertising on the radio and on different web sites. There are many poor reviews complaining of these deceiving advertising practices, that's when I decided to complain to CFPB. This company needs to be transparent, forthright when soliciting their products.
I got a loan with Lendup and due to financial hardship and the fact I was caught in the payday loan trap I am unable to pay on time. I got credit counseling through a non profit XXXX XXXX and Lendup refuses to work with them. If they are legitmate lender like they claim, why wouldnt they work with credit counseling like every other lender.
Dear Sir or Madame, I am writing to file a formal complaint against TransUnion. I have attempted to contact them on several occasions regarding their inaccurate reporting of my information with XXXX XXXX XXXX. I have requested that they investigate each claim for accuracy and have not been resolved. The inaccuracies and derogatory mark placed on my file has caused my inability to obtain credit with much stress and anxiety as well as damaging to my credit. 
I am asking for you to intervene for a fair judgment based on the Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623. ) and have any inaccuracies removed from my credit report. 

Please find below in bullet of items found on my report that is missing or inaccurate. 

Incomplete or missing account number ( XXXX ) A charge off account in the amount of {$1100.00} Incorrect high balance of {$1700.00} Late Payments
Upon reviewing my EQUIFAX credit report I recognized that I have XXXX hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. 

Upon reviewing my XXXX file I also noticed XXXX hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX wf/dillards XXXX XXXX, IA XXXX that is showing for XXXX and XXXX