WillisBack/dataset-financial-user-claim huggingface dataset:
MoneyLion shows my payments current, but reports as delinquent. XX/XX/2017 - Loan Approved XX/XX/2017 - First payment of {$170.00} due and set to withdraw from my XXXX  XXXX XXXX checking account, but the account was not funded so I added my XXXX XXXX, XXXX. account ending in XXXX to my profile. XX/XX/2017 - MoneyLion attempted to debit payment from my XXXX XXXX account. I received an email from XXXX XXXX notifying me that payment was not complete. I forwarded the email with the explanation to XXXX. I did not receive a reply ( email attached ). XX/XX/2017 - Automated email from MoneyLion that scheduled payment was not processed successfully. XX/XX/2017 - Notified via email that account has been placed into Collections. I called and spoke with a MoneyLion representative and explained the situation with accounts. She informed me that when you add an account online, it does not do anything. New banking information must be added over the phone. I told her to keep the XXXX XXXX account ending in XXXX the same and we can use that account going forward. I was set up on a new plan. I expressed my concern about any fees I had acquired since I did make the banking change online and contacted MoneyLion support via email. I was told an adjustment would be made and my payments would be for the correct amount, without penalties. I funded my account for {$170.00} and a withdrawal was attempted for {$200.00}. After numerous phone calls, I eventually connected with XXXX XXXX, Retention Department Account Manager. Once I had her email, I continued to use her as my point of contact. Our entire email conversation is attached. She was able to see the confusion in my file and get my payment organized. I spoke to her about my concern with my credit report. She on multiple occasions told me via email and phone that my concerns have been escalated to a supervisor and they would be addressed. I never heard from a supervisor and have never again spoken with XXXX. MoneyLion shows my payments current, but reports as delinquent ( screenshots of both my MoneyLion account and credit report attached. ) When I did finally speak to a supervisor, they told me that I am in their in-house collections, so even though my loan is receiving regular and current payments, MoneyLion will still continue to report my account as delinquent until the loan is paid off. I do not know if XXXX was collecting as a first or third party collector, so I don't know my rights under the FDCPA and Federal Trade Commission XXXX Opinion. For months I was misinformed about my credit reporting. When I spoke to the supervisor, I asked him to read me all the notes on my account. He informed me that XXXX had escalated my claim, but management decided not respond. Because of the damage this 90 - 119 day delinquency status has done to my credit file, I have had other accounts closed or credit limits decreased citing 'SERIOUS DELINQUENCY '' and " TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN ''
my name is XXXX XXXX XXXX XXXX my problem started when I find out that they where merge other ppl report on my report with the same name my score drop because of this when I call they wont fix it and tell me that there sorry there nothing they can do why do i have to pay the price for there error
I am a customer of Caliber and have been for XXXX XXXX years. I need to express my disappointment and reach out to you regarding an issue I am hoping you can correct. 
We purchased a home back in XXXX of XXXX. We applied and were approved for a 30 year mortgage. 5 days before we closed we received a call to let us know our score dropped due to the consultant pulling out credit too many times. XXXX to be exact and needed to come up with XXXX or go to a 15 year mortgage to be approved. 
We accepted the 15 year and have been making payments on time ever since. Recently we ran into some medical issues for our son and contractor issues. Because the payment has us on a pretty tight budget we wanted to see what Caliber could do for us. They suggested we apply for a forbearance. We were approved for 6 months and a lower payment. The paperwork was confusing so we called to find out what this would do to our credit. We have a stellar payment history and did not want this to affect it. 

We were told by several associates that it would show up as a forbearance not a XX/XX/XXXX etc day late. We were told it would not impact our credit that way. We decided to do it. Made our first payment and were reported 30 days late. 

We have acquired the money to get caught up and we are canceling our forbearance and paying the balance this week. I want caliber to remove this 30 day late due to the incorrect information given to us by your staff. We would have never entered into this agreement if we were given correct info. 

XXXX ID XXXX was one of the reps we spoke to last Wed. 
We also had a recent issue with our XXXX fees not getting paid. We have been chasing caliber since XXXX. We have XXXX late fees with our XXXX company. We finally received a letter saying it was paid. The amount of {$48000.00}. Our HoA fees are {$180.00} a year!! They paid someone elses bill out of our escrow. Im furious. 
Im so disappointed in this company. There seems to be issue after issue. 
I want this late removed!!! 
I have emailed and Am waiting on calls back from supervisors in customer service but they never respond. 
Caliber is an unethical and not looking out looking out for their customers best interests.
I settled 3 XXXX card accounts with a collections agency around on XX/XX/XXXX of this year. None of my reports updated so I submitted a dispute with all 3 bureau 's. XXXX  and XXXX updated my accounts within a week of my dispute as they verified with the collections and XXXX that my accounts were paid for and had no outstanding balance. 

Equifax on the other hand closed my investigation saying XXXX reported to them that I still owed money. I have paperwork mailed to me from XXXX saying the accounts are paid off as with the collections agency paperwork saying the same thing. The other two bureau 's verified this information. I also faxed my documents to Equifax. When I was told I still owed money, I asked if they had seen the paperwork I faxed. The lady had not and did not even know i faxed them anything. It appears that Equifax either did not do an investigation or is lying. I had to initiate a re-investigation with Equifax. I am not confident in this re-investigation as they seem to be grossly incompetent. I do not trust them to handle the simplest of tasks.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Tried to fix, Experian agreed with me that i only had 1 late payment X/2014. They did not fix a incorrect payment they are reporting in 2014.
I recently reviewed my XXXX profile and found a hard inquiry from a " non-account '' holding creditor named Credit Acceptance and XXXX XXXX XXXX on XX/XX/2018. 
I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company. 
I wrote a letter to dispute the inquiry and requested proof from XXXX & Credit Acceptance of authorization by me or delete from my XXXX credit profile immediately! This hard inquiry is suppressing my credit score. 
I have attached images of the letter I sent XX/XX/2018
I got a auto loan with wells fargo and everything was fine in the beginning then they starting charging me for insurance I already had.I sent them the info for my insurance several times it got fixed once and then they did it again. My car payment was XXXX they added XXXX a month extra and made my payments to high for me to pay.I tried  fixing it a million times and they wouldn't help me.They since have put my car as a bad charge off and have sent me no info about my car.They have charged me over 2000 car insurance that I have and have had also I don't even know how much in fees my loan should have been paid off by now and I still owe XXXX and they haven't sent me and thing to fix this problem.I feel I have been taken advantage of by wells fargo they have made sure and destroy my credit.
XXXX  TRANSUNION AND XXXX  IS REPORTING IN WORNG INFORMATION ON MY CREDIT REPORT.
Seterus refuses to send me my loan payoff in a timely fasion, I ordered it on the XXXX, and over 7 days later I do n't have it, they are telling me another 24-48 hours. they wo n't connect me to anyone that can help.
The company continues to call me and leave messages. When I answer it 's only a recording of very unspecific nature trying to get me to call them. I have excellent credit and nothing outstanding on my credit report so I know they are not trying to collect a debt from me. At this point I feel like it is harassment. Several calls a day is too much and answering their calls does nothing because there is no person to talk to just a recording. I am not going to call some number and take the risk of having to pay international fees like so many scams out there. I need to be removed from their call list.
We finished signing all the final loan documents for refinancing and believed everything was done. We were told a few days later that they made a mistake with some of the disclosures that needed to be signed because the law changed 2 months prior, so we were told we needed to resign. Then were told that because of their mistake we would need a rate extension and they would not honor our lenders credit ( {$980.00} ). This company has been such a pain to deal with. They wait to the last minute to close, it was very hard to get a hold of our lending agent and never kept us informed. Watermark Capital should n't be a licensed mortgage company if they do n't know how to comply with laws and honor their good faith estimate. We should n't have to pay for their mistake.
I originated a private student loan from Sallie Mae, that is now Navient. I have been unable to pay the company, they would not allow for any further deferrance or a forbearance, at the time. The debt has now been sent to collections. On two occasions, I have recieved information that people associated with family members, who are not a spouse of me or the cosigner, have been contacted by the company regarding the debt. I am not sure how the company got the information of these individuals because they are not involved with the debt, and were never listed as contacts or references on the loan.
Received phone call from XXXX XXXX XXXX XXXX stating that they were DFC legal services and that my wife owes them money from10years ago. We contracted the actual company that she owed money to and they said that the debts so old that it did n't to be paid and that the collection had already been sold and that was n't too XXXX legal. They continue to call back even after a years worth of time and have yet too send any requested info to our address.
lost my wallet, and i had my social security card in it. someone might have used my name and number to get services from commonwealth XXXX company
XXXX XXXX XXXX XXXX is reporting accounts in the amount of {$6300.00} {$10000.00} and XXXX XXXX {$440.00} which is fraudulent accounts and I have been filing disputes when I first learned of this information in 2013 from then to now present I involved XXXX XXXX to assist me nothings changed also I have hard inquiries that I have never applied for such applications please direct me to resolve these issues thank you also due to these data breaches with XXXX and XXXX I have been overwhelmed with 100 's of calls scams and false emails I have been attacked constantly my Identity has been stolen for some time now and I was n't notified by either company Im receiving false reports on my credit report and has reports of fraud on my bank account from XXXX which is now closed please assist me in getting these issues resolved Thank you XXXX XXXX all documents are reported on my credit report other than emails that are scams
Carrington contacted me to refinance my loan with them and I agreed, they pulled my payment history with them and approved the refinance, I submitted everything and was told we would close before the end of XX/XX/XXXX. Meanwhile, they had held my XX/XX/XXXX payment which was made on the XX/XX/XXXX for {$1000.00} and put it in an " unapplied category '' and did n't tell me my payment had went up {$52.00} for escrow.. Carrington said they notified me by mail but I never recieved anything.. So they showed I did not make my payment. They have since reported this to the credit bureau that I was over 30 days late with my payment ( dropped my excellent standing to below average ) and have since disqualified the refinance because of a late payment. I have the printouts from my bank that I have paid my loan every month for the 10 years I have had it. Even their website shows the payment but not applied to anything. My original mortgage was with XXXX and they sold a block of notes to Carrington a few years ago. They treat people terribly, like criminals trying to collect money. They results of theire actions have been very detrimental and I think criminal. I have worked hard to have my credit rating and they have abused the power they have. XXXX XXXX
Bank of America referred my mortgage to a law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX MN XXXX ( XXXX ) XXXX with a pending mortgage modification application. 

Bank of America is also reporting a mortgage escrow shortage that doesn't exist
All of the above categories apply. This company, XXXX XXXX, contacted my husband XXXX XXXX on XXXX XXXX, XX/XX/2014. The representatives name was XXXX XXXX. She did not state that this was an attempt to collect and a debt nor did she verify she was actually speaking with the proper person. He told her to speak to me and handed me the phone. Again she did not inform me that this was an attempt to collect a debt, or that the call may be monitored or recorded for quality assurance, etc. She stated my husband owed almost {$4000.00} for damages to XXXX housing that we had moved out of over 9 months prior. When I asked for documentations of charges, she had another person, XXXX XXXX, email me our move out check list ( which I already had and does not state this amount ) as well as something handwritten on hotel stationary. When I called her back and told her that this was not acceptable, she stated that she did n't have to provide us with anything else and she would pursue legal action. She was incredibly rude and hung up on me. I faxed over documentation from the XXXX housing 's maintenance department that showed consistent contact between myself and maintenance to have my carpet fixed due to error on the maintenance workers part. We stopped hearing from this company after that until yesterday, XXXX XXXX. Within 2 hours, the same representative, XXXX XXXX, called both my husband and my cell phones XXXX times. The XXXX time I answered she did not verify my identity or tell me it was an attempt to collect a debt and started out by stating she never received our carpet documentation and my husband needs to settle this account. She stated that we signed the lease ( I was nowhere on this lease due to the fact that it was XXXX housing ) but told her I had a copy of that and the move-out inspection which shows different than whatever documentation she has. Again she refused to provide us with any documentation of this alleged debt and I told her I knew my rights as a consumer. She hung up on me. An hour later she called back and said " XXXX and once again hung up on me.
We constantly get calls for the people that use to have our phone number. We have had the same phone number for at least 4 yrs and we still get phone calls. I have a feeling the bad debt keeps getting sold to other companies so the calls never end. There are days when we get 3 or 4 calls a day. We tell them no one by that name lives here. We are no relation to these people and they have n't had this phone # for years but nothing does any good.
In XX/XX/2018 we ( my husband and I ) received a letter from a third party collection agency in re to a XXXX charge card in my husbands name. We did not recall using the card in some time. My husband called the company who sent the letter to verify the validity. We then contacted XXXX credit card customer service. The agent we spoke with informed us that the card had been closed due to non-payment. We had not received any calls or statements from XXXX in re to a payment due, and were unaware what the payment was for because we had not used the card in quite some time. XXXX replied that we had a cease and desist on phone calls, which we never placed ( oral or written ) and that the address they sent statements to had not been returned. The address they had was an old address and not an address we use for bills -- we always use a po box for billing. The agent was unable to tell us when the last charge and item charged was because the account had been closed, but stated that she would request the original statement be sent to the correct address. 

After not receiving a statement after 7-10 days, we contacted XXXX again about the statement. This time we spoke with a manager who assured that a statement would be sent out to us. We informed both XXXX and the third party collector that we were disputing this charge, because we ( 1 ) do not know what the charge is for ; ( 2 ) were not given any fair collection effort by phone or mail and were not the makers of any cease & desist ; and ( 3 ) still have not received any statement or proof of purchase made. The amount is minute and easily payable, but the companies failure to contact us and to allege that we continuously made a cease and desist every 14 days is preposterous. This is the first negative account on our credit report and we are aggrieved by the actions of XXXX and the company managing their credit card portfolio.
Bank of America extended {$50000.00} line of credit loan to borrower, who was co-trustee of a trust. Modest family home was the only trust asset. Title search was never done by bank, else they would have discovered in the Trust document AND paperwork recorded with XXXX County, CA, that financial transactions could not be made without the approval of BOTH trustees. This was a fraudulent loan done by B of A. Borrower, an XXXX who was n't married and had no children, died last year and his sister, the other co-trustee, is survivor trustee. She had no knowledge of the loan, never approved the loan, and never benefited from the loan. How the money was spent is unknown, and he had no assets. After repeated contacts with Bank of America ( since XX/XX/XXXX ), they have just informed her in XX/XX/XXXX that they will not forgive the loan, and are threatening her with foreclosure on the house. She lives in XXXX California, has very little money, and takes care of a XXXX grandson. She has no money to pay court fees, even if the attorney worked for free. {$50000.00} is a " fortune '' to her, while it 's " small change '' to Bank of America. I have ALL documents to prove this, and it 's a very straightforward issue. Bank of America had no legal right to extend this loan to an unauthorized borrower, and has no legal right to demand the innocent victim to pay it off, else lose her home.
XXXX XXXX XXXX is attempting to collect a Credit Card Debt from Capital One Credit card. I asked for verification and they sent me a copy of a letter from Capital One stating that XXXX XXXX XXXX has the debt, HOWEVER ; PRIOR to this, the debt was DISMISSED by XXXX XXXX, so this debt does not exist. It was dismissed.
I purchased a new home XXXX 2014 directly from the builder, XXXX XXXX, but I just discovered multiple hard credit inquiries on all XXXX of my credit reports and it has hurt my score. I never authorized multiple hard credit inquires on my credit. My mortgage is through XXXX. I only filled out XXXX application in XXXX 2014 giving XXXX permission to pull my credit once. I never gave anyone else permission to pull my credit. 
XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX, 2014 XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX, 2014 XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX, 2014
XXXX Banks from the office of Montgomery & Meyers contacted me this morning after yesterday she verbally abused my wife on her cell phone. I asked he again to please send me do documentation of what she was claiming and she told me that i had it and was lying. I asked her not to talk to me that way and to stop harnessing my wife, She told me that I needed to pay the debt. I again told her that I needed her to send me some sort of documentations which I had requested four times to be emailed to me. She refused. I told her that I have never been in court on this issue ( she said I was lying ) and that I have never been served with any paperwork. She then said " you know what I will just see you in court '' A threat and hung up.
So I paid GC services in full for a traffic ticket in XXXX 2015 due to an error ( court changes ) in long beach courthouse they were telling me I still owe XXXX $ after many attempts in person and over the phone to get the paid debt removed it 's still has shown up keeping me from getting a license in the past. They also agree and gave me proof that I paid but it is still showing up online and at the dmv.
XXXX, XXXX, and experian has not sent my credit report ftc violation trying to fix the inaccurate information on credit report
on XX/XX/2018 I was approved for a loan in the amount of {$700.00} every other week {$210.00} came out on XX/XX/18 of our bank account, then XX/XX/18 another {$210.00} came out, XX/XX/18 {$210.00} came out, then XX/XX/18 {$210.00} came out again so that totals {$840.00} on a {$700.00} loan and it says we still have XXXX left, i am the only one working in our household we have XXXX children and we have lost 1 vehicle already & behind on our rent now 1 month thought this would help us a bit but just made it worse for us and these HIGH interest rates are killing me, We can't get help anywhere else we have maxed out our resources and credit isn't good my loan ref # XXXX, we have already suffered with automatic w/d from our account for first day loans resulted in an overdraft on our account PLEASE help!!!