WillisBack/dataset-financial-user-claim huggingface dataset:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX / XX/XX/2018 - 30 & 60 DAYS LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I 'm writing with regards to a dispute I did with Experian in regards to an incorrect item on my credit report. They came back and somehow initially not only verified the inaccurate item but updated it as me being 90 days late back in XXXX 2015. I was not even late and there was no payment history for this item yet somehow they managed to not only verify but also update the reporting as me being late!!! 

I have contacted the original creditor XXXX XXXX with regards to this item and they have no records of it, subsequently neither XXXX or XXXX has this on my reports. 

Yet again I disputed this item through the mail both detailing the fact that I could not possibly be 90 days late on an account that was not suppose to be on my record in the first place. Amazingly the account also shows that its closed with no balance and no payment history, yet I 'm 90 days past due for the month of XXXX 2015 somehow?
I was out of town in XX/XX/XXXX for my birthday only used my card to rent a car and at XXXX XXXX. Capital One sent an email to state that there was suspected fraud on my card which in fact it was. I live in XXXX was traveling in Virginia a supermarket in New Jersey tried to put through a charge for {$100.00} I let Capital One know the charge was fraud, they shut down my card credited the amount back I was just waiting for a new card. I had the new card number and tried to pay a bill but was declined when I knew I had the funds. contact the bank only to be told two different stories. The first is that the recent payment I made was on hold, then that the fraud credit was on hold. I reviewed me account to find out the merchant adjustment the charge on XX/XX/XXXX capital one sent me a letter date XX/XX/XXXX stating they were refunding my account to get it back to normal needless to say they are still holding my money. They have been made whole again I was told they have the right to hold the funds for up to 60 days BUT why when you have been made whole as a bank and are holding my funds for no apparent reason. If they want to investigate the merchant that fine, just remove me and my funds from the matter.
ARS received a request for debt validation and to cease communications by phone on XXXX XXXX 2015, I have a copy of the signed receipt of the letter. XXXX XXXX XXXX 2015 they began to attempt phone communication again and still have n't validated the debt. Per the Fair Credit Reporting Act they are not to be attempting phone contact since 1 ) the validation still had n't been given and 2 ) they received a written cease letter.
I had an SBA loan with Wells Fargo that has been discharged. They prompted the bankruptcy and have been notified by the court, my attorney and me. In XX/XX/XXXX I sent a letter again asking for the statements to cease along with a copy of the discharge. I continue to receive statements.
Originally owed XXXX XXXX Credit Card. At some point they referred to collection or sold to Midland Credit Management who sent me an offer. Their letter said : " If we receive {$240.00} by XXXX, we will consider your account balance paid ''! I sent check # XXXX for {$240.00} on XXXX/XXXX/XX/XX/<YYYY> On XXXX XXXX, XX/XX/2015, they sent me a " Statement '' saying thank you for your {$240.00} payment ( credited on XXXX/XXXX/XX/XX/2015, XXXX days before the day they had to receive it by ) but reflecting a balance of {$160.00} even though I met all the terms of their offer. Please ensure they correct their records to reflect this account as paid and report the same to all XXXX credit reporting agencies. Their ( XXXX ) Account # is XXXX.
My account from XXXX XXXX, account # XXXX, shows a 30day late payment in XXXX 2018.The information is incorrect.I was never late.
My name is XXXX XXXX  and i have a inaccurate account on my credit from XXXX XXXX XXXX. I have already resolved this issue by directly with the company and i was removed but somehow transunion added it back to my credit report. I think transunion is purposely keeping XXXX XXXX  people credit score down so we cant get approved for anything. My credit card being paid on time increases my score by 1 point but if someone runs my credit it decreases it by 3 points. That doesnt make sense. My scores with XXXX  and XXXX are like 50 points higher than transunion and the inaccurate info for XXXX XXXX   was never added back to my credit report after the dispute was complete. Please investigate this is not fair
What happened is that I submitted a loan modification to my lender Crown Mortgage Company my account # is XXXX there phone number XXXX back on XXXX/XXXX/2015 I provided all the documents necessary that Crown asked for a proper review. Last document that the lender asked for was a water bill that I faxed over on XXXX/XXXX/2015 for them to have a complete package to submit to underwriting to review. I then receive a denial letter on XXXX/XXXX/2015 that was dated XXXX/XXXX/2015. From what I was told from numerous attorneys is that when the lender has your file complete it takes a minimum of a week to properly review a file check with FHA guidelines escrow analysis and what not. There was no way that Crown could decision my loan modification in 1 day. Crown said that the loan modification was rendered unaffordable do to my finances which as they have calculated is a lot less then what I submitted to Crown mortgage.
On XXXX XXXX, XXXX I received a notice from Credit Managemenet, L.P. on behalf of a debt owed of {$340.00} to the creditor XXXX XXXX XXXX dated XXXX XXXX, XXXX. I immediately called XXXX XXXX company to inquire about the notice because the amount on the notice and the information in regards to the notice was inaccurate. I spoke to a customer service representative ( Agent # XXXX ) in regards to my account and final bill. The agent stated that there was " in summary '' nothing she could do about it because it was handed over to collections. After 25 minutes of explaining the situation and problems with the account she deliberately muted my call and refused to speak. I then hung up the phone after allowing the phone call to elapse for 2-3 additional minutes. I then called XXXX XXXX back on XXXX XXXX, XXXX and spoke to a different customer service representative ( Agent # XXXX ). I requested to speak to a supervisor immediately and was not connected to a supervisor for 20 minutes after being on the phone with the above stated agent. There was a language barrier and it was hard for me to understand the agent and the agent to understand me. The agent repeatedly asked how could she help me with the account and I responded that she could help by connecting me to a supervisor. After 20 minutes I was finally connected to a supervisor ( Agent # XXXX ) to discuss the problems with my account. I stated to the supervisor that I had just RECENTLY CANCELLED my cable on XXXX XXXX, XXXX and I DID NOT RECEIVE a final bill from XXXX XXXX. I was extremely frustrated because I was n't given a final notice of the amount owed ( which was incorrect on the notice from the collection agency ), I was n't given an appropriate amount of time to pay the bill ( my cable had n't been off for a month ) and I received this aggressive letter from the collection company ( threatening to DESTROY my credit ) by reporting my account to all three collection beareaus if I did n't pay within 30 days. The supervisor told me that XXXX could not produce a final bill in writing until the end of my billing cycle which would come out on XXXX XXXX, XXXX and the actual amount I should be corrected to the ACTUAL amount due {$190.00}. However, I would have to settle my debt with the collection company and contact them for a final notice. AGAIN there was nothing XXXX could do because my account had been turned over to the Credit Managemnt Collection Company. On Friday, XXXX XXXX, XXXX, I called the collection company and they stated that NO CHANGES had been made to my account on behalf of XXXX and that I still owe {$340.00} to their company.
There are fraudulent inquiries appeared on my report without my permission  1 .   XXXX   XXXX    XX/XX/XXXX   2.    XXXX   XXXX     XX/XX/XXXX  3.   XXXX   XXXX   XXXX    XX/XX/XXXX   4.      XXXX    XX/XX/XXXX  5.   XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX .   XXXX   XXXX    XX/XX/XXXX
In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX   XXXX Experian investigated and it came back verified. in XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed there investigation with the account XXXX XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Experian received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,,
Wells fargo was included in my bankruptcy and they are still reporting negative as well as a balance every month.
we had a mortgage with XXXX. we had gotten behind because my husband was out of work for a year. I started a loan modification with XXXX and before it could be completed my loan was sold to BSI this XXXX. After speaking with them they advised me that I would have to reapply for a modification with them which we did. this was back in XXXX 2015. I sent BSI all the necessary paperwork just to receive XXXX letters from them claiming they could n't move forward with the modification until they received recent paystubs and bank statements. I sent new XXXX even though what they had was still current. since then 6 months has gone by without any word from them. I email them and get no reply. I recently contacted someone other than my CSR and heard from him claiming he would forward my email to my CSR. That was two weeks ago and still no word. In the meantime I was told no payments would be accepted on my mortagage until it was modified. I now owe over {$20000.00}. XXXX is my loan number with BSI.
I need to get a fraud alert -- that had been placed on my credit file by Equifax 4 years ago -- removed.   I applied for a secured credit card with  XXXX   XXXX   4 w eeks ago. I received no decision from  XXXX   XXXX  and when I called in to ask why, they told me that 'they were unable to process my application due to the fact that there was a fraud alert on my Equifax credit report '. This alert had been placed on the credit file by me -- but it was placed on my credit report over 4 years ago.   XXXX   XXXX   gave me the phone number to contact Equifax to remove the fraud alert :  XXXX . That phone number goes to an automated system where the only thing you can do is order a copy of your credit repo rt ( not make any edits/remove fraud alert ). I called 3 o ther Equifax phone numbers -- all went to automated systems with no option to speak with an Equifax representative. I called  XXXX   XXXX  back and they had no additional contact phone numbers for Equifax. I would like to get this Equifax fraud alert removed so that  XXXX   XXXX  can process my credit card application.
Advance America Cash Advance ; XXXX XXXX XXXX XXXX TX XXXX, ( XXXX ) XXXX or FAX ( XXXX ) XXXX, Rep : XX/XX/XXXX - Cash Advance was $ XXXXOption to pay {$250.00} in full or {$100.00} per month and up XX/XX/XXXX with balance owing {$360.00}. The complaint that stands out with issues : XX/XX/XXXX - paid {$100.00} on the loan but it only went toward the principle of {$1.00} interest but no decrease in the principle balance with a new total amount owing {$250.00} on the account. Only " Installment Payments, '' as interest or added on per month. This procedure have been changed within several months XX/XX/XXXX. What disturbs this situation of payment, is being feeling duped and owing more then the amount loaned by paying {$100.00} per month and the balance never changes for consumers. Is this procedure illegal in adding interest on each payment and not the balance?
Bank with Wells Fargo opportunity checking account # XXXX. I received my social security XXXX award of {$1900.00} a month wanted to change my account to a regular account they refused my car was broken into and my XXXX letter was stolen and {$200.00} my tithe money i bought things from XXXX i also filed a report with shiriff 's for the theft of items in my car the day of incident i applied for loans from XXXX and with XXXX XXXX XXXX I opened an account with XXXX XXXX XXXX. setup to change my direct deposit to XXXX XXXX XXXX. I Closed my account with Wells Fargo they close my account and give me {$700.00} when I had {$760.00} I deposit the {$700.00} dollars in XXXX XXXX XXXX. iget denied for loans because Wells Fargo illegaly closed my account without giving me all my money they then destroy my relief of debt I am entitled to under XXXX law. I have yet to receive my {$64.00} from them my account was closed XX/XX/XXXX but I do n't have the rest of my money and they destroyed my credit also I am now have to hire a credit repair lawyer to fix my credit because bankruptcy i ca n't file because I filed XX/XX/XXXX. What can you do to Wells Fargo for their illegal actions. I am now having problems with returning items to XXXX purchased with my wells fargo account which is closed so that money is in limbo now. Thanks XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXXXXXX
Would like my Equifax and XXXX reports update to show only 1 hard injurie not 9 old hard inquires same compsny over as does my XXXX XXXX  report on XXXX 2017 showing only 1.and updating my length of new credit all positive length of time over 5 months.thank you for your time.XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Florida XXXX XXXXXXXXXXXX XXXX
I SENT THE CREDIT REPORTING AGENCIES A SUPPORTTING DOCUMENT THAT WAS VERY RELIVANT TO MY DISPUTE WITH THE CREDITOR XXXX XXXX XXXX REPORTING INCORRECT INFORMATION. THE CREDIT AGENCIES HAS NOT AKNOWLEDGE MY DOCUMENT AND CHOOSE TO OVER LOOK IT FOR THE DOCUMENT SHOWS I HAVE NEVER BEEN LATE. I ALSO SENT THEM MULTIPLE DISPUTES BUT ONLY TO BE MIS LEAD STATING IT WAS CORRECT. WHICH I HAVE SUPPLIED THEM A LETTER DIRECTLY FROM THE CREDITOR DISPLAYING ON TIME CORRECT PAYMENT HISTORY
i got letter from XXXX that my information get exposed and to avoid identity theft they offer 1 year in Equifax silver membership for free at the same week i tried to apply for mortgage and get refused i ask why they told Equifax score XXXX and i have unpaid medical bill for XXXX $ this amount for XXXX they will take from the my lawyer after the faulty guy pay and no body contacted me that i have to pay it now they so i try to dispute my report they block my identity they said for me rong info and i have to send passport driver licence social security as fax i faxed from my layer office they did n't answer i call back they told me i have to make membership so i give them the activation code provided from XXXX they said it is not working and i have to pay for a full membership to see what is going on and be able to solve it i paid they unblock me and give me XXXX is my credit score at them XXXX XXXX at the XXXX other bureau so i ask why my bank say that my score at equifax XXXX the agent answer how if you see your score is XXXX in front of you and all the info was yes mine so i believed equifax this was XXXX/XXXX/2016 till XXXX/XXXX/2016 i went to buy a car and i decided to buy it with loan so they run my credit and my wife credit after hardly 1 hour only XXXX accepted to lend me because Equifax credit score is XXXX with high rate because i have this law score and XXXX uncollected medical payment in Equifax only the XXXX other bureau my credit is good i call them again they said that my score is went down to XXXX from XXXX because of the car loan in XXXX/XXXX/2016 i said that they give the lender XXXX as my score they said no impossible i said i have the paper from my lender show XXXX your score and the XXXX other are normal they make from other planet that i have to keep my membership running to watch my score blablabla that i have to pay again every month and no silver membership or activation code accepted it is XXXX and miss use of my info to fraud the american consumers and all the phone calls are answered in other country how our info is exposed in other country call centers it is a social security and all the USA vital info in the hand of other country and even not government just a call centers XXXX how???? the same country we get every year a fraud and the law enforcement ca n't do any thing for this gangs because they are out of rich so please stop give this equifax and any similar company dealing with vital info on foreigner soils. and I'am sure I'am not the only or XXXX of few cases it is XXXX they are complaining and XXXX impacted from the Equifax please for the security of our nation investigate this company seriously and escalated before the no tern back time thanks
I was able to put a freeze on my credit with XXXX and XXXX very easily with a phone call. After 2 days and multiple attempts by phone and website I am still unable to put a freeze on Equifax because after accepting all the information both ways tell me they can not process the information right now, even though they are the reason why any of the freezes are necessary.
Today XX/XX/18 I was notified by 3 emails of someone applying for a payday loan from check into cash. This was not me.
On XX/X/2017 I sent money through western union to my finance company in regards to a payment for my vehicle. The finance company never received the funds and I have been trying to locate the funds ever since. When I call customer service they transfer my call to different departments and then I get hung up on. Every time I call they claim to have opened a ticket but there is never a resolution. Due to the transaction not being completed my vehicle is no longer available. I need help locating and receiving a refund immediately.
I opened a checking account with  Chase over three ye ars ago. My account had money taken out for taxes which zeroed it out on    XXXX   XXXX   XXXX  . I told Chase to close the account and I was told I had to wait to close it. I had automatic payments set up and they subsequently were presented before Chase would let me close the account. Chase has now charged additional fees for the automatic transactions and continues to charge my account fees and will not let me close it. Chase wants me to put more money into the account to cover the fees but still wo n't let me close the account if I do.
In XXXX my mortgage with Carrington mortgage was paid in full, address of XXXX XXXX tx XXXX. I have requested a breakdown of my escrow account and my last payment on three occasions due to a dispute concerning the final escrow distribution. Carrington mortgage refuses to explain how they reached the amount of the escrow distribution, continuing to say the loan is closed and they do n't have access to the data. In Carrington 's view the amount they sent is final and not to be questioned. When the escrow company requested a payoff an additional payment was made by myself afterword. The escrow company sent the original payoff which did not take into account the additonal payment which I have yet to receive back from Carrington.
Equifax released my personal info to unknown person ( s ) without my permission. They did not do enough to secure my personal information from theft from their servers. They did not attempt to notify me when it occurred. They have offered limited ( 1 year ) of fraud protection, if I wave my right to pursue any legal action.
Nationstar continues to pursue debt collection activity on a debt without validation and reporting false and incorrect information to all three credit bureaus. 

Nationstar has responded to multiple complaints referencing I have filed a suit against their predecessor and them. However, Nationstar highlights they were granted a No-evidence motion for summary judgment and a pending lawsuit against their predecessor, XXXX XXXX XXXX, validates their debt collection activity. Nationstar claims they ca n't verify or validate their debt collection activity until the lawsuit against their predecessor is adjudicated. 

XXXX summary judgment was denied on XXXX out of XXXX claims including fraud. 


Nationstar should not be able to pursue debt collection activity until the lawsuit against their predecessor is adjudicated. Nationstar only has the right to pursue collection on what their predecessor had to transfer. XXXX XXXX XXXX has not proven any right to collect the debt that was transferred. 

At the time XXXX XXXX XXXX transferred the debt tp Nationstar, XXXX XXXX XXXX NEVER denied an allegations in the lawsuit that was filed on XXXX XXXX, XXXX. XXXX XXXX XXXX sought to file an answer to the lawsuit in XXXX XXXX. The Court 's decision granting XXXX XXXX XXXX to answer the lawsuit almost two years late is pending in the XXXX COA. However, XXXX XXXX XXXX transferred the XXXX balanced debt to Nationstar on XXXX XXXX, 23 months after the lawsuit was filed against them.