WillisBack/dataset-financial-user-claim huggingface dataset:
Experian, and XXXX reported I and joint owner XXXX XXXX were 30 days late in XXXX, XXXX on real estate mortgage account XXXX XXXX XXXX XXXX XXXX. 

I disputed this - House was sold XXXX XXXX XXXX Mortgage was paid in full. 

Experian changed the 30 day late to XXXX XXXX and added OK for XXXX XXXX XXXX left XXXX late in XXXX XXXX and added OK for XXXX XXXX and OK for XXXX XXXX Attached is notarized Bill of Sale and Title company Settlement documents stating Paid in full for mortgage and second mortgage dated XXXX XXXX XXXX
In each of the last XXXX statement cycles payment in full was mailed ( usps ) on XX/XX/XXXX anddue on XX/XX/XXXX. Yet the payments were, in each case held until XX/XX/XXXX thus incurring {$27.00} late fee. This is American Express and is common thievery. I know I have fewoptions. Please use caution dealing with AMX, ethics are not featured.
With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX   XXXX/XXXX, XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU
i am complaining about citibank. i have a citi card that i tried to use at XXXX on XX/XX/18 and i had an issue where my card was declined and when i called to confirm the charges they would not clear the card. i told the rep i was standing in line at XXXX and she said she would send me a letter.. very unprofessional. i spoke with XXXX and XXXX at at XXXX XX/XX/18. when i returned home i called again and verified myself with XXXX id # XXXX   at XXXX XX/XX/18. At that point i wanted to close my account and she said she couldn't. They decline my card thinking its fraud and when i verify myself to cancel they said they couldn't. what kind of unprofessional backward practice is this. i was a victim of identity theft and take this very serious. also they have not alerted me once about the suspected fraud or my calling to cancel, not one call, text or email. I think they need to revisit their security policy protocol. I think they outsource their customer service to other countries, i could barely understand the reps. i want these representatives FIRED for their incompetence and unprofessional behavior. i will take legal action if this is not rectified.
Hello, my student loan processor is Nelnet. All of my student loans are Department of Education loans and remain so. Since my graduation from graduate school XX/XX/XXXX, I have maintained my loans under a regular income-based repayment plan. This required recertification in that plan on an annual basis with updated income amounts. I met this duty XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. As it relates to this year, I reenrolled for income-based repayment on the Department of Education web page. I completed this update online before the deadline listed on both the Department of Education website and Nelnets website. I even have a screenshot of the deadline listed on the Nelnet website - XX/XX/XXXX. I note that I took the opportunity to take a screenshot of the deadline as every year in providing my updated information, I have add " difficulties '' in communicating with Nelnet. I have now received correspondence from Nelnet advising me that all of my student loan interest has capitalized. No information was given as to why my interest had capitalized. Upon completing a telephone call with Nelnet this evening, I was advised that I apparently did not make the deadline for providing my updated income-based repayment amounts. As such, not only has my interest capitalized but I have lost my regular income-based repayment plan and have been placed on a standard repayment plan spanning the course of 10 years and costing more than {$1000.00} in loan payments per month. I requested that Nelnet provide me with a written confirmation/explanation on why my loan interest capitalized. I was initially given a PO Box in XXXX Nebraska that I would have to write to to obtain such a confirmation. However, after further complaint, I was advised that Nelnets " correspondence team '' would try to send me correspondence in about five business days regarding why the interest capitalized. Upon further cooperative complaint, at the capitalization as well as losing the income-based repayment plan, personnel at Nelnet tried to get me to sign up on the spot for different plans which I had only their preliminary information to go off. 

I write for your assistance and returning me to my regular income-based repayment plan that I have persisted on for the last four years and hopefully to un-capitalize the interest they accrued. Please help.
Involves online purchase of tickets to a concert. Purchase made on XX/XX/XXXX for {$250.00} from ticketstoday, com for XXXX XXXX and XXXX XXXX for XX/XX/XXXX. On XX/XX/XXXX I checked the website and noted the concert had dropped XXXX XXXX. The ticketstoday website said it was no longer selling tickets and could not be reached - all ticket sales were now through the XXXX XXXX ticket office. Their ticket office declined to discuss a sale they did not make. 
I called the credit card issuer BBVA Compass Bank to open a dispute on XX/XX/XXXX but was told the bank 's policy was not to allow disputes later than 60 days after a transaction posts. I told them this violates Federal law since that law allows disputes for 60 days after a transaction appears on a statement which in this case was XX/XX/XXXX.
I have been working with SPS for a loan modification application. On XXXX XXXX, 2018, a letter was sent regarding the decision reached on behalf of SPS and the investor of the loan. The letter specifically states that " please note, income was not required nor considered as part of our evaluation. '' and it proceeds to state the reason for the denial is due to NPV. It continues to state that the NPV calculations are calculated using certain financial information about me and my account. It states that certain key factors such as property value and monthly gross income play an important role in the calculation. So how can I be provided a denial and told my income has nothing to do with it then being told it has everything to do with it? The only option I am being provided with is a short sale or deed in lieu. I was even denied a repayment plan because they feel I can not afford it, they did not even offer or give me a chance to see if I can. I will do anything to save my home and feel I am being set up for failure.
On XX/XX/2018 I wrote the following to Ms. XXXX XXXX of Bank of America : My son and I visited you on Saturday, XX/XX/XXXX to close all BofA accounts. We were able to close Core Checking ( XXXX ) and Reward Savings ( XXXX ) but not XXXX because the various fraud departments were all closed on Saturday. As you promised, we were expecting that by Saturday, XX/XX/XXXX account XXXX would be closed per our request. Strangely, we have been trying to close all XXXX transactions, including the account since XX/XX/XXXX when we first spoke to XXXX XXXX, later to XXXX XXXX and then to numerous personnel at debit fraud, online fraud and check fraud. Could you please explain to me why this account ( XXXX ) is not closed yet. 

The reply from Ms. XXXX, almost minutes after I sent the email was, " I did call you last week and left you a message earlier today. Please call me or stop by at your earliest convenience so that we can discuss. ''
On XX/XX/18 an agreement was made with XXXX XXXX for a personal loan serviced my Lending Point. On XX/XX/2018 I received an email from Lending Point stating that my original Creditor for my loan was not with XXXX XXXX  but rather with another bank by the name of XXXX XXXX XXXX. I was advised to continue making payments to Lending Point on  behalf of XXXX XXXX XXXX. I reached out to Lending Point as well as XXXX XXXX  requesting validity to the Loan agreement that was signed on XX/XX/18 as well as the email that was received on XX/XX/2018. I was told by XXXX XXXX XXXX XXXX that I do not have a loan agreement with them serviced by Lending Point. I spoke with Lending Point on XX/XX/2018 and requested for them to provide me with written validation of the information they stated to be true. Today XX/XX/2018 I received a call from Lending Point stating that my Loan agreement is a valid agreement and per line 21. On the loan agreement stating that the debt can unilaterally be transferred without notice given to me. She went on to state that Lending Point now own the debt and I owe only them. Per my loan documents, it state an agreement with XXXX XXXX and only XXXX XXXX can transfer or assign the loan agreement. Further stating that Lending Point is only the servicing agent for the loan on behalf of XXXX XXXX. She implied that Im trying to get away with not paying the loan. I stated to the representative that I am simply requesting documentation of the agreement that was set forth with XXXX XXXX XXXX, and also documentation that the loan has been assigned to Lending Point. She insisted that the agreement I have is binding and my loan document is proof of validation.
FEDERAL LOAN SERVICING ( Account # XXXX ) This account is currently reporting XXXX delinquencies on my consumer report. FEDERAL LOAN SERVICING reported that this account was 60 days past due in XXXX 2014 and 90 days past due in XXXX 2014. This is a total of XXXX delinquencies reported in Loan # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
This account has received on time monthly payments and timely forbearance request. This account should not reflect delinquencies and should be updated to reflect never late. Also, during XXXX XXXX 2014 through XXXX XXXX 2014 this account was in an approved temporary hardship status which there were not any payments due on this account during those time frames referenced.
TransUnion is reporting a Paid, Federal Tax Lien on my credit report with them. I have received a Form XXXX Certificate of Release of Federal Tax Lien and Form XXXX, Withdrawal of Filed Notice of Federal Tax Lien from the IRS, which I have sent to TransUnion twice, in XXXX 2016 and XXXX 2016 asking them to delete this entry from my TransUnion File. Most recently I received a letter from TransUnion dated XXXX XXXX, 2016, stating " Verified, No Change, '' and the tax lien remains on my credit report. 
I believe this is a violation of Fair Credit Reporting Act and would like action taken against TransUnion.
I have communicated with this organization numerous times demanding to see the proof this contract was opened by myself, to which Citibank has responded with a list of purchases, payments, and balance owed, as well as the opening of the said account, all of which I did not perform, written, online, or otherwise. 

I filed a complaint here with CFPB on XX/XX/2018 in this regard, and Citibank replied falsely stating they sent me proof of the account. As I never opened an account with Citibank, nor agreed to any contract with such organization, I owe them nothing except a complaint here on this forum, as well as a possible suit for fraud. 

I demand the debt said to be owed to Citibank by myself be removed as it is not mine, and for an investigation to be started in regards to my sensitive information being stolen by Citibank as it was clearly not authorized by me, and any derogatory information relayed to credit reporting agencies to be removed/redacted as I never opened this contract or account with Citibank.
I disputed a Charge by XXXX XXXX XXXX and won the dispute. So now XX/XX/2019 I recieve the letter attached stateing that my corporate Credit Card limit is being lowered {$1000.00}. I object. These 2 entities are not related to my personal debt and therefore they have no reason to take my personal credit into account on a business card. 

American Express has discriminated against me personally. I object or they have decided to lower my credit limit due to my winning the dispute with XXXX XXXX XXXX.
XXXX XXXX XXXX has been reporting a debt for {$37000.00} to my credit bureaus which was first delinquent by XXXX XXXX XXXX XXXX in XXXX. Transunion is reporting this collection to be removed XX/XX/XXXX which is two months past the 7 year legal reporting time frame according to the Fair Credit Reporting Act. I have disputed this multiple times and every time I get copies of old statements showing delinquency but never once showing the date I was first in default. The other bureaus are showing XX/XX/XXXX the debt comes off my report. I want this corrected.
XXXX / XXXX XXXX XXXX is reporting I have 5 missed payments on student loans that are duplicate accounts to Transunion. All of my school loans have been deferred for years now, because I am still in XXXX. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.
I reviewed my credit report and there is two collection accounts that doesn't belong to me. 
My ex husband filed a bankruptcy chapter XXXX on XX/XX/2016 and debt belongs to him and it was included in Bankruptcy. Case file number XXXX Equifax, XXXX and Equifax has sharing my information with collection companies and credit companies without my consent.. 
I never had a XXXX XXXX credit card owning {$590.00} and a collection of {$3900.00}.
I requested HSBC XXXX bank to transfer a balance to my other credit card at XXXX, to pay my outstanding balance there. This was in XXXX, HSBC did sent a check to XXXX, on XXXX/XXXX/2016, with the wrong account and without my name. 

The check was never cashed by XXXX ( By HSBC own admission ) but yet that amount has been added to my HSBC balance since XXXX/XXXX/2016, together with a hefty transfer fee, though I never benefited from that transfer. 

I have call XXXX banks and specially HSBC a number of times, did n't get anywhere until I twitter about it and though then I was put in touch with a CSR, they then told me on that call that they will fix it, just to call me the next day saying they are refusing to take the amount of the transfer off my account though their check was never cashed!!!! 

So now I am carrying the same balance at the XXXX bank!!!!! 

This is NOT XXXX fault.
Have a car loan from VNB Loan Services. Was told by phone the car loan had been paid up in XXXX 2014, but that I owed additional fees & wo n't get my car title until all paid. From XXXX 2014 including a payment made today, I have paid an additional {$3200.00}. I know there were some gaps in insurance and over the phone that 's what they said I owed more money for but I have never received the additional amount due in writing. In fact I asked for a list of all payments received & how applied as well. Requested XXXX/XXXX/14 this info in writing along with a payment which the post office confirmed was signed for XXXX/XXXX/14 and the enclosed payment cleared my bank XXXX/XXXX/14. They refuse to mail me any documentation. I am willing to pay what I owe but feel they are trying to overcharge me because they have n't sent written documentation. Everything has only been provided via phone calls. I think as a consumer I should be getting the addition request in writing as proof for my records.
To Whom It May Concern, The reason for my dispute is RECOVERY ONE LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, RECOVERY ONE LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of XXXX allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) RECOVERY ONE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. RECOVERY ONE LLC* is held liable as well for defamation and in the state of XXXX a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where RECOVERY ONE LLC is in compliance with XXXX LAW. I also believe that this business is not registered to operate in the state of XXXX. I expect this collection account to be removed from my credit report. RECOVERY ONE LLC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
I have a student loan with ACS Education Services from my graduate education. I 've paid my bill on time for years and have my account information stored on their website. In XXXX, I missed a payment due to forgetfulness and once I remembered XXXX attempted to pay both months to get current. On XXXX XXXX, I paid online and went about my business. I received email notifications from ACS ( " payment scheduled '' on XXXX XXXX and " payment received '' on XXXX XXXX ). On XXXX XXXX, ACS sent an additional email saying the payment was rejected due to " unable to locate account. '' This is a bit odd because all my banking information is stored on their website and I have n't changed anything. I checked the account number and everything was accurate. I called ACS helpline and asked for guidance. The customer service rep was polite, but did not have access to the details of my account and thus could n't tell me what was going on or why the payment was rejected. She advised me to pay again. On XXXX XXXX, I logged in and once more scheduled a payment for both XXXX and XXXX. I received email notifications from ACS ( " payment scheduled '' on XXXX XXXX and " payment received '' on XXXX XXXX ). On XXXX XXXX, once again, ACS sent an email noting my payment was rejected due to " unable to locate account. '' Even after the payment was rejected, the website showed the account as paid and for a day or XXXX would not let me schedule a payment. On XXXX XXXX, I called ACS and made a phone payment for XXXX On XXXX XXXX, I logged in to my ACS account online and reentered my banking information -- literally nothing changed, I just re-entered the numbers -- and scheduled a payment. This time it went through, and with the phone payment everything ( for now ) appears to be up to date. However, we 've received a letter from ACS threatening to report me as late and negatively impact my credit score. 

My complaint can be stated more succinctly : their system for payment is immensely confusing, communicates conflicting or incomplete information, and generally seems designed to not work. When the system inevitably breaks down, there seems to be no one available to talk to in order to resolve problems. And as consumers like me scramble to fix something that seems made to be just out of reach, ACS sends letters challenging me for my lapses. I do n't mind being held accountable for paying back my student loans, but I would hope ACS can also be held accountable for its servicing of my loan.
Currently have three loans managed by Navient. I was set up on an income based repayment process for two of the loans. The third is a private loan they manage. I have set up auto repayment on the private loan and have been making payments each month on the other two. They are not consolidated ( as I was told I could not do that ). Income based repayment started in XX/XX/XXXX. Every month so far I have been charged some type of late fee up to {$50.00} per month. Calls and requests for explanations have gone unanswered. The website constantly tells me I am behind in payments as well. The dollar amount posted in the screen is the amount I would have to pay if I was just repaying the loan itself.

In addition, I received notice from the IRS that Navient had written off $ 7000+ and since I didn't declare it at the time I now owe them {$1900.00} more for the XX/XX/XXXX tax season. I have gone through all of my paperwork and found no documentation of this transaction. On their website, there is also no documentation. I have called and spoke with their customer service and once again I have gotten no answers.
I hope you can help me and other retired individuals get to the bottom of this. I applied for a part time job as a mystery shopper as I have just gotten social security and it is n't enough to cover my bills. I received an over night package XX/XX/XXXX while I was out of town visiting my son who had just found out that he had a XXXX. My neighbor opened the package for me and saw it was a check for {$2900.00} and it was my first assignment as a mystery shopper. I was to go to the bank and cash the check or deposit the check and take {$400.00} for myself and go into a XXXX and wire money to another mystery shopper to determine their level of service. When I got back in town on XXXX XXXX, I did as the letter and went to my local Wells Fargo and asked the teller, XXXX XXXX, a personal banker if the check was good and he said not today but I can deposit it for you and it could be in the next few days. So I told him that I agreed with that, not knowing what else to do. Then the next day I look at my deposits which consisted of XXXX checks and {$600.00} in cash and none of it was in my bank. I went down to see XXXX to ask what happened and after much computer and phone investigation he found out that all my accounts were locked and were being closed. When I asked why, he said that the check that I deposited was a counterfeit check. I asked what that was and he explained that the account that the check was written from did n't exist. I said I had never heard of such a thing, either a check is good or bad. He was the one who told me to deposit the check and now all my money is frozen and my social security check gets deposited into those accounts and it is only {$1100.00} per money but it is all I have coming in. They are in the process of closing my accounts and will mail me a check they say in the next two weeks for with the money in my accounts but I have nothing to live on and I will not be able to get social security check next week. I think it is terrible that Wells Fargo is blaming me, the XXXX who got duped even though I brought them all the proof of this scam and XXXX is even backing up my details of the incident but Wells Fargo 's fraud department does n't care. 




Can you please help?
Account # XXXX for Department of XXXX was official discharged on XX/XX/XXXX and TransUnion continues to state that the creditor has reported to them that the account status as of XX/XX/XXXX is XXXX days past due. When I contacted XXXX they indicated that they have not reported on that account since XX/XX/XXXX, so they did not indicated that to any credit bureaus. I have disputed this inaccurate information about XXXX times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit. I have submitted supporting documents proving this account was discharged, so how can it be XXXX days past due as of XX/XX/XXXX if I no longer owe on that account?