WillisBack/dataset-financial-user-claim huggingface dataset:
Problem is with Experian Reporting of account status. 
Received a judgement ( Attachment A ) for an account with XXXX XXXX and the judgement was paid in full, satisfied in XXXX, XXXX, filed as such in XXXX, XXXX. 
The paid judgement is shown by Experian in XXXX/XXXX/XXXX report ( Attachment B ). 
XXXX repeatedly has told me they have reported nothing on the account since XXXX, XXXX, when it was charged off. 
In XXXX XXXX, Experian shows a " failed to pay '' in the payment history for the account. My FICO score dropped about XXXX points. I disputed this as an error in XXXX XXXX. The result was an additional " failed to pay '' as of XXXX XXXX. Again, I lost XXXX points on my FICO score for a late payment. 
I called Experian and asked how a dispute could do additional harm to my credit, how disputing an error, leads to an additional error, further damaging my credit. I was told, " that happens sometimes. " In summary, this is an account that was adjudged, satisfied in full, and closed out in XXXX, XXXX. There is nothing left to pay. If I did send more money, sound accounting would require XXXX to refund it! Yet, I am XXXX accused of late payments by Experian, which XXXX denies reporting. 
I asked an Experian representative about requesting a Method of Verification, but was told the source would be XXXX. 
In our system, our lives are significantly impacted by our credit. Like many Americans, I was devastated by the housing crisis and recession, and my credit was damaged. I have made restitution and/or settled with my creditors as proscribed by law. Experian appears to take there responsibility lightly, as they reject logic, and punish consumers for disputing their errors. This account is paid and charged off, and I can not possibly have a late payment two years later. 
XXXX denies reporting anything, and I can not dispute it, for fear of doing myself further damage. It appears that having performed equitably within the system, I am wrongly held back from trying to recover my credit status. The system is not working, so I turn to this agency to please help me.
On XX/XX/XXXX, I received a threatening call from XXXX XXXX of XXXX XXXX XXXX ( supposedly an arbitrator for Cashcall ) at XXXX. Threatening to file paperwork with the courts for a warrant and lien on my sister 's home ( by next Tuesday ), allegedly because her name was on the application as a co-applicant for a payday loan, but did n't have the information for the loan. She offered settlement arrangements on a {$5000.00} debt to avoid court but would not accept that I wanted it done in writing and that I would not be putting anything on a credit card. Hung up with an " We 'll see you in court ''. Then called my sister and told her to make a deal to avoid losing her home, even telling her that she should file a police report against me.
XXXX XXXX XXXX Acct # XXXX is not my account. Please delete and remove immediately or legal action will be taken against your company.
XXXX XXXX XXXX is attempting to collect a bill from a XXXX nearly two years prior. After multiple billing mistakes on their part, they were paid over {$1300.00} two years ago. Now the are producing another bill for {$120.00}. They were never able to provide documentation that I am liable for this. I never agreed to pay this. It was turned over to Money Recovery Nationwide and has been placed on my XXXX  report as delinquent. Money Recovery Nationwide never provided supporting docs for this debt. All they provided was a general consent to treat form from the hospital ( XXXX XXXX ) not the XXXX. <P/>XXXX and XXXX have already investigated this case and have removed this item from my credit report.
Was told on previous correspondance I was approved for income based repayment. Then asked to complete an app again. They then asked for pay stubs despite certifying through IRs and my last tax return, and I complied. After completing the second application I was told I was approved and had to pay a new amount eventhough salary had not changed last year. Then I got correspondance today saying my app that was electronically filed is missing a signature. And they are also asking for pay stubs again. Eventhough I was approved and told to pay the new amount in XX/XX/2019.
I am a victim of identity theft. The following account and inquiries are authorized and fraudulent : 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 Bank, XXXX/XXXX/XXXX
NationStar has continuously refused to deal with me honestly & fairly. I fell behind in my payments when my husband died but now I have help from a neighbor trying to reinstate my mortgage. We started about 4 months ago, got a reinstatement amount, and were told by the attorneys that NationStar told them to refuse the check. Since then we have gone from around {$25000.00} reinstatement to around {$40000.00} reinstatement with no explanation of fees. I do not believe I should have to pay for anything since the refusal of the reinstatement check several months ago since I offered payment of all back payments & expenses. I have emails back & forth from NationStar showing where they refused to send what we requested. From the limited details I have, I have been billed for services that were never performed and overbilled for services ( like {$400.00} to put a lockbox on the door ). I now have the ability to reinstate the mortgage, but refuse to pay for things that I do not really owe. All I am asking for is a detailed accounting of these expenses & credit for items I should not have to pay. 

I 'm asking for an investigation of my account ( and others if you like ) to show a pattern of fraud & abuse. 

I have many more comments & details concerning my frustration & aggravation as a XXXX American trying to save my family home of XXXX generations ...
I was contacted by a program called XXXX XXXX that supposedly helps reduce your student loan. I recently graduated and thought it would help. I was a victim of Hurricane Harvey and needed all the help I could get so I jumped on it. After agreeing to their services I later researched their company and found that they charge for a service that students can do on their own without assistance. I was rushed through the signing process and not given a good explanation of the program. They stated " If you don't act now you might not qualify later because the government is trying to do away with these program ''. Then she promised to lower my student loan to {$35.00} a month. I was blinded by the hope of reducing my student loans. 
When I called back to speak with the representative she didn't exist? This program scammed me into depositing XXXX and was planning on taking over {$1000.00} for a service that any one can do without assistance. I finally spoke to someone and he denied to help stating its my fault for signing a contract and that he could not honor my request to stop the service. 
This company scams you by luring students that just graduated promising to help them with a ridiculous number. I fell for it because I didn't research it first.
A letter was sent to me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX stating the decedent my wife XXXX XXXX purchased goods and/or service in the amount of {$670.00} evidenced by account number ending in XXXX and sent that I'm the beneficiary, I'm responsible for this bill. i have sent a copy of the beneficiary. that didn't work. my name is not on any credit card statement and i didn't sing any thing when she open that credit card account back in XXXX or XX/XX/XXXX. When i talked to one of the representative in XX/XX/XXXX i told them i might could pay it but i didn't seek didn't legal advice at that time because i didn't understand my legal right on decease spouse at that time, and now they put it on my credit report witch it shouldn't be. i never had any dealing that company. if I'm the estate all her funs went toward her funeral and to her kids i just made sure that she had a enough money for her burial, and plot. I'm a veteran of the XXXX XXXX and if i have to get a probate lawyer i will.
Today I looked at my on-line check stub for payday this coming Friday, XX/XX/XXXX, and was very surprised to see a garnishment attached. I contacted my HR and was told that there was a garnishment by court order. HR then referred me to XXXX XXXX, XXXX. They in turn gave me a Case Number and referred me to the law firm of COOLING AND WINTER. This firm was rude, difficult and, hung up on me. I then called back to XXXX XXXX. This time, they told me that the garnishment was in relation to credit card debt with XXXX XXXX XXXX. I have not had a credit card with XXXX since early XXXX or somewhere in that time frame. I was never notified of any pending court action and thus had no way to refute any claims that were made. At the time that I got credit cards with XXXX, I was a resident of XXXX. In XXXX, the Statute of Limitations on credit card debt is 6 years ( OCGA 9-3-24 ). I am now a resident of XXXX XXXX and have been since XXXX. In XXXX XXXX, the Statute of Limitations is 3 years ( Civil Procedure 1-52.1 ).
I submitted a complaint to Experian, XXXX and XXXX  regarding several errors that I found while looking over my credit report. Under the FTC I can dispute all inaccurate information on my credit reports. Please remove XXXX # XXXX and XXXX XXXX # XXXX from my credit reports as the information provided by the creditors is inaccurate and misleading. After completing a prior investigation, XXXX  agreed to remove XXXX # XXXX and XXXX XXXX # XXXX from my credit report. However, XXXX has failed to follow through on its promise as the accounts still remain. XXXX  failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. Please remove XXXX # XXXX from my credit reports as the date of delinquent is misleading and incorrect. Additionally, this account should not have a reported balance. Please remove XXXX XXXX # XXXX from my credit reports. I have reached out to this company repeatedly and have received no response. The balance, date opened and the payment history is incorrect. The company is reporting payment history in XX/XX/2018 but this account should not have a balance. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX FIRST FEDERAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX : Acct # XXXX To Whom It May Concern : This is my Final attempt to try to remedy this situation. regarding your response, i will file a small claims court in my local state against your company. This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU XXXX. 
By not replying in a timely manner to my initial letter on XXXX/XXXX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 
I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act XXXX including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act XXXX including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau
Found out recently through XXXX XXXX that my credit dropped over 100 points in the past 2 months because of non payments to a XXXX XXXX loan, which I have not received any correspondence with this company. This server is Navient and I have read this is standard practice from this organization.
My credit reports with XXXX, equifax and XXXX show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXXXXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.
My girlfriend signed me over her payroll check in which I deposit the check in full via ATM on X/XX/2017. I went into the branch the next day when the funds became available and removed funds from my account. On XX/XX/XXXX I received an email stating I had XXXX funds in my checking account. I immediately open my Wells Fargo app to view the activity where it showed my ATM deposit pending return. I then immediately called Wells Fargo to inquiry on the reason the check is pending returned item. The representative informed me because the check was made payable to another person I could not deposit the item as it was against their policy. I asked when did this become their policy as I did this type of transaction in the past. He then informed me this has always been a policy in which they are now enforcing more within the last couple of years. The representative stated a copy of the check would be sent to my girlfriend. I asked how will the check be sent to her when her address is not on the check and the check has been properly endorsed to me making it a legal instrument entitled to me. The representative stated I could have deposit the check with the signer inside the store location. I do not understand how an establishment can pick and choose when to upheld a policy. In addition, an ATM deposit should not warrant any difference than a deposit in person. Worse case senario an extended hold could have placed on the check. How can a check cashing company have their customers sign over their check and deposit the checks into their account if this is against Wells Fargo policy. Now I have to let my account sit in a negative balance because I made payments to other vendors and get assessed with multiple fees.
This issue has dragged out over the last 8 months. I have been trying to apply for a Home Loan modification from NationStar Mortgage. I have come under several financial set backs in the 2015 year and wanted to request that I get assistance with my loan. I have applied for several Home Loan Modifications and Appeals with NationStar Mortgage Company, but all were denied. I have had poor customer service from NationStar, and I have requested several times to have a different Loan Specialist assigned to me for the one that was appointed to me would never answer her phone or return my emails. She would call me back at minimum a week later and at that time would explain that I still need to upload more documents for my modification. It was not clear on what documents that I needed and I was referred to the website that would tell me what I need. I have tried contacting her manager in regards to this matter to request someone that would better assist me with my process, but each time I am redirected to her. I have given all the pertinent documents that they have requested online. I received a letter from NationStar stating that I make enough money and was denied any kind of modification assistance. At this time, I have yet to speak with anyone that can offer me any real help and I am not able to speak with anyone that is actually performing the hardship loan. I have tried calling my Loan Specialist every time and she insists that I still have documents that need uploaded. After I upload the documents, I am told to wait and call back a week later to see what they have decided. The loan documents are expiring because I am waiting on NationStar to give me an answer. When I call, I am directed to the customer service center, which has no record of the modification assistance and I am needing to explain again as to why I am calling and why I am requesting assistance with my home loan. I get calls at least 2 to 3 times a week asking when I am going to bring my loan current when all the while I am waiting to hear something from their company. Their one offer to help was for me to pay an amount a month that I am unable to make and there was no other alternative extended. I want the harassment to stop and I would like to move forward with this.
I made a mortgage payment to Rabobank for loan XXXX on XX/XX/2016 via postal mail but received notice from Rabobank on XX/XX/2016 ( dated XX/XX/2016 ) stating that the loan payment was past due. Upon researching the matter, Rabobank had not cashed the check ( number XXXX in the amount of {$1600.00} ). Therefore, I re-issued the check and walked payment into the nearest branch. I requested a late fee waiver and they refused the waiver saying that they had made no mistake. However, losing my check is a mistake and I should not owe a late fee for their mistake.
Changing account type without authorization My XXXX Account number : XXXX was charged a maintenance fee for several month. When I opened the account I was told there is no minimum balance requirement. I was charged this fee for the last five months. I would like these charges refunded.
A company named " XXXX XXXX ( XXXX ) '' started sending me emails about my XXXX student loans. I asked them to stop emailing me. They said they would not. The email address being : XXXXXXXXXXXX. I told them they were spamming me about a student loan that I had made payments on the week prior and informed them I would report their email as spam.
Final payment of loan amount of mortgage was not properly applied. Overpayment went to a suspense account which was greater that the remaining balance. The actual amount was less than the amount owed. Reach out to Carrington Mortgage  Sevice  and spoken to  three  representatives  (   XXXX   X/XX/17   ,  XXXX    X/XX/17    ,  XXXX   X/X/17     )  had not had an amicable resolution. I was informed that I would need a payoff request that was sent to me prior for final settlement however the pay-off showed a refund to me rather that amount owed. A negative derogative was submitted to the credit agencies.
I received a call from a man named XXXX and XXXX that works for National Enterprise System saying i owe {$500.00} from 2011 on a credit card. I never opened a card in 2011 nore do i owe anyone {$500.00}. He was very rude and is calling my job. I saw on the internet this could be a scam. 
I do n't appreciate being harassed at my job. Thank you for your help
I am disgusted how Chase has done everything in their power, in order not to approve my loan for an affordable modification. Based on the home affordable guidelines my loan does qualify. I am extremely upset that Chase refuses to help me to keep my home. According to Chase recent review ; they stated the reason why I was not eligible for the home affordable modification was due to Chase not being able to verify my income, employment, assets, identify and property occupancy based on the information I provided. This is the exact same excuse Chase used in the previous review back on XXXX. However, I appeal and provided proof of my identity and my source of income because at the moment my wife XXXX was the only XXXX working and it was not enough for Chase to approve an affordable trial payment. I was forced to re-apply and was promised a fair review, but Chase only use {$0.00} of my total income to review my loan. I am extremely upset because I had provided time and time again my wife paystubs and the new payroll records from my new job but Chase refused to use our correct income of {$3400.00}. Chase has purposely prolonged my review process by using false information to deny me assistance. I am falling further behind due to false income Chase makes up to review my loan. All I want is to keep my home and to be provided with an affordable payment due to my loss of income. This is why Chase was sued previously for all the false information that was being used in order not to help struggling homeowners like myself. However, in my case I have provided all the necessarily documentation and I keep getting denied. I am attaching my financial sheet with this letter and all the proof necessary to move forward. Hope we can come to an agreement before I seek legal advice against Chase.
XXXX XXXX is acting as a loan officer and Realtor without a license. We were referred to him by friend and found out that he is not licensed. When discussing loan options and XXXX taking our application he became very upset that we questioned his role in our loan. He is provided us with a license number of someone with the same name who may be his father. I am very upset at the lack of integrity.
I 've disputed several inaccurate and invalidated information on my Experian credit files that are regarding student loan accounts. For XXXX, these accounts are older than XXXX years old and they are currently being reported as in chapter XXXX bankruptcy which is incorrect. I 've written these companies and requested validation of information as well as filed a complaint with a student loan ombudsman regarding the reports. I do n't believe that Experian validated this information by receiving competent documentation that these accounts are accurate and being reported accurately.
Today, XXXX XXXX, 2017 I received correspondence from Key Bank with information regarding a very old account I had with them maybe 20 years ago. <P/>Its a statement regarding a World MasterCard. I had this card and a bank account with this bank but closed it. <P/>The statement contains personal information i.e., last 4 digits of old account number and my present address. <P/>I have called Key Bank 's XXXX # to try to get them to take my name out of their system. Their response was that they knew the letters were a mistake but could n't take me out of the system unless I gave them my full SSN over the phone. I did not feel comfortable doing so. But implored them to take me out of their system for fear of identity theft on this card that no longer exists. <P/>I do not want anymore correspondence from them but NEED THEM TO TAKE ME OUT OF THEIR SYSTEM AND MAKE SURE THIS CARD NUMBER NO LONGER EXISTS!
I had difficulties making ends meet and paying the mortgage since my mother was moved to a XXXX. I contacted the bank to try and reduce our monthly payments years in advance which was approved but the second time around they are telling me a different story and my calls to the banking institution was handles by individuals that provided enough information to identify them but their case notes are n't on file.