WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX, then changed to Nationstar and now Mr. Cooper, did not credit all the payments made to them, evidenced by my XX/XX/XXXX-XX/XX/XXXX mortgage interest statements. Instead Mr. Cooper states the mortgage was not paid after XX/XX/XXXX but yet, my mortgage interest statement dated XX/XX/XXXX showed an actual escrow balance of {$5100.00} with a surplus of {$3000.00} based on the XX/XX/XXXX-XX/XX/XXXX payments that had been made. This is an example of faulty record keeping.
I received a letter from my bank  ( bank of America ) saying the y will be closing my  XXXX  business accounts in 51 days from the letter. No reason given. I have also tried to contact other banks and asked about opening new accounts and been told no they do n't handle my type of accounts. I own an   XXXX   XXXX  , so I have about  XXXX  atm machines located in various gas stations, bars, stores  ect.  I need the business account to get the ach deposits everyday and then I withdraw money to load back into the machines. This is a legal business and there are millions o f atm machines ac ross the country, most are privately owned like mine. How can banks refuse a legal business? I do n't know what to do and I 'm at risk of losing my house and everything in 50 days. This is not right.
XXXX is not reporting the right information to the XXXX credit bureaus for my account. 
1 ) I had a charge off years ago, XXXX 2011. 
2 ) XXXX and I came up with a payment arrangemet at {$50.00} per month. 
3 ) I have made consistently paid monthly payments for over 4 years. 
4 ) I have requested a number of times for this to be taken off my report. 
5 ) What 's not being reported is the timely monthly payment agreement I made with XXXX during the past 4 years, this is not FCRA-Fair Credit Reporting ... this is false and not 100 % true reporting. Can some one at the CFPB please help me resolve this matter? 

XXXX XXXX XXXX XXXX XXXX. 
XXXX Ct. XXXX ( XXXX ) XXXX
My credit score has gone down XXXX points in the last month - from the mid XXXX 's to the mid XXXX 's. I requested and reviewed reports from all XXXX credit reporting agencies and I can not find a significant reason for the significant decrease in my score. Please help me.
This is not my bill, I have tried several times to get them to remove this, I have told them I have never owned a XXXX phone, service, they have called, they have posted to all my credit reports, and within the last2 weeks posted it to my XXXX 2 times with a two week period, I have no contract with them, I am a XXXX Veteran, they call my daughters phone, at least 3 times a day, and she has changed her phone number 3 times since last year. I have told them not to contact her, this was not my bill, I am an XXXX  Veteran a XXXX XXXX XXXX, XXXX, this is causing me harm and stopping me from pursing a home.answer to my disputes submitted ( Date ) for the accounts listed below. I disputed the inaccuracy in which these accounts were being reported. 
I dont understand how these accounts were verified when I was not sent any proof by way of your method of verifying the accounts listed in my dispute. So according to FCRA 611 ( a ) ( 7 ) I am requesting the description and documentation used to verify these accounts. 
There for I am also requesting that you provide me with the documents that you have on file as of ( DATE ) that your company is in compliance with Metro 2 reporting standards. Under the Fair Credit Reporting Act 15 U.S.C. 1681g, I believe it is my right to request that you provide me with the Header Record, containing 18 fields, which ensures that the information was identified correctly by the bureau. The Base Segment, containing 49 fields, which provides the specific account information for me. The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau to my particular file.

Your response that these accounts were verified was not enough to satisfy the accuracy of these accounts. If you can not provide me with the above information as requested please delete these accounts accordingly per FCRA 611 ( a ) ( 5 ) ( A ) ( i ). 
I am exercising my right provided by FCRA 15 U.S.C. 1681i to request that the above information be provided to me with the time allotted or these accounts be deleted from my credit report. Please do not continue to knowing report these items if there is no proof to their accuracy. 
If you are unable to provide proper redress for this matter, which is the Metro 2 compliance documentation and evidence to the accuracy of these accounts I will be forced to seek additional support by way of complaint to the FTC,, and my Attorney General. 
If you are unable to provide the above documentation and evidence please delete these accounts and provide me with an updated copy of my report reflecting the deletion of these accounts. 
I HAVE UPLOADEDPICTURES WHICH SHOWS IT ON MY EXPERIAN TWICE WITHIN A WEEK, MY TRANSUNION, MY EQUIFAX.
Due to unforeseen family issues we fell behind on our mortgage payments in XX/XX/XXXX. After months and months of going back and forth with Flagstar Bank we were able to get a loan modification in XX/XX/XXXX. Our first payment of {$1500.00} was due in XX/XX/XXXX and was paid on time. Everything was fine until XX/XX/XXXX when Flagstar sent us a notice that our escrow account was underfunded and that our new payment would be {$2000.00} per month starting in XX/XX/XXXX. This new payment included home owners insurance issued through Flagstar at {$180.00} per month plus the escrow shortage. We had sent them proof of insurance in XX/XX/XXXX and then again in XX/XX/XXXX but they continued to insist we needed to pay the {$180.00} per month. I have a problem with the fact that in late XX/XX/XXXX they go to all the work of a loan modification but didnt look at the escrow account to make sure that it would be properly funded and 4 months later raise our payment by 32 %. 
As we tried to come to an understanding about what they thought we owed and what we thought, we continued to make our original agreed upon payments of {$1500.00} per month. At the time, we did not have the means to pay a lump sum or the extra 46 % increase due to a slow down at my job, so they sent back our XX/XX/XXXX & XX/XX/XXXX payments and started foreclosure proceedings. 
In XX/XX/XXXX I sent in a completed loan modification package for their consideration. Last Tuesday, XX/XX/XXXX, we received a letter from them saying that we were denied a modification because we did not make 12 payments on our previous modification to qualify for a new one.  They also stated that we had recovered from our income shortfall and no longer were qualified for a forbearance. I feel that Flagstar sent back our XX/XX/XXXX & XX/XX/XXXX payments so that they could make this claim, if the occasion ever arose. 
I have recovered from my loss of income and in fact make more now than I did when we were approved for our initial loan modification, but Flagstar seems more interested in Foreclosing than working with us. I have filed a Loss Mitigation Appeal with Flagstar on XX/XX/XXXX ; they said they would give us an answer in 30 days. We need someone other than ourselves to step in and help Flagstar Bank do the right thing and not try and take a home we have been in for a long time.
When I changed my XXXX XXXX XXXX XXXX satellite service to streaming ( XXXX now ), I was told I had a XXXX balance because Id stayed with the company. 

I started to receive bills for {$110.00}, and I called customer service each time ( about 4 altogether ). I was told each time that there was no balance on either my past or current accounts. 

Today I received a bill from Credence, a debt collector for {$110.00}. 

Ive spoken to many XXXX XXXX XXXX, XXXX reps who ALL told me that I did not have a balance.
To Whom It May Concern, We continue to dispute the validity of the fraud charges that occurred on XX/XX/XXXX. We request that the charges of {$41.00} and {$2100.00} be credited to our current Chase Sapphire account as soon as possible without any punitive actions. 

These charges were reported to Chase Security within minutes of the alert appearing on our mobile device on XX/XX/XXXX. 

On XX/XX/XXXX we received written notice that the fraud charges had again been applied to our Sapphire credit card account for the reason You received benefit from this transaction. Despite the findings of the initial investigation, we have not received any benefit from the merchant XXXX XXXX XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX we have contacted Chase Fraud four times by phone and each time promised a return call in a few days from the investigator or the Escalation Team. We have also been promised a credit of our disputed charges. None of these promises have been fulfilled. 

Respectively,
XXXX XXXX - XXXX graduate Navient Account # XXXX My XXXX XXXX says I paid XXXX interest on student loans. I had XXXX loans at the beginning of XXXX, a mix of Federal and private, and all with interest. I paid off XXXX loans, and am still paying on XXXX loans ( XXXX Fed, XXXX private - all with interest ). I called Navient XXXX/XXXX/XXXX to request correction of my XXXX " XXXX '' from customer service first told me that it " must '' be XXXX interest because either I was " not enrolled full time '' or " the school is not eligible. '' Neither is remotely true. I corrected her and requested correction of my XXXX She then put me on hold, returned XXXX minutes later, and informed me that there was an " adjustment '' to my paid interest because the paid interest in prior tax years had been over-reported. I requested documentation of the " adjustment. '' She had none available. I then asked her to verbally give me the adjustment information and calculation. She could not, but not so helpfully she advised me to " consult a tax professional. '' I then pointed out that it is Navient 's responsibility to report to me any adjustments to my account, especially if they have tax consequences. She then said that she did not have the information necessary, and would put in a " request with the back room '' to send me documentation. The ETA on my documents is 10-20 business days after XXXX XXXX XXXX. 

I have had many, many problems since Navient took over my account. They consistently mis-handle payments and try to increase balances on my account even though I am enrolled in an auto-debit program and have made full payments on time, every time, since I began payback 10 years ago. The level of ignorance in their customer service department is beyond frustrating. I have had to start monitoring my account on a weekly basis, and I 'm frequently disappointed to find errors in my account. It has gone beyond ridiculous, and I do n't believe in coincidence or " human error '' anymore. I think this company is trying its very best to steal money from people, and they are counting on its customers and the Government to be too lazy to notice.
XXXX took the process seriously and looked not only at my letter ( s ) explaining the unauthorized transactions but they also took the supporting documentation I sent to them and immediately removed the accounts in question. I have XXXX accounts that belong to my ex-spouse XXXX XXXX that she obtained while I was serving our country as an XXXX XXXX in XXXX. I signed a Power of Attorney over to her while I was laying my life on the line in combat because we have a son together and in case I died, I wanted her to be able to handle my affairs for the betterment of her and my son. Instead, she took the Power of Attorney and opened up accounts without my presence or knowledge which to say the least is very wrong on many levels because when I returned home from XXXX, she continued to use the Power of Attorney without me knowing that either, and I mean upon my immediate return home. Think about that sneaking behind my back to open up an auto loan with XXXX XXXX ( supporting documentation attached ), she opened up an account with XXXX XXXX. XXXX and charged it off in my name ( supporting documentation attached ), and through a court order, she was supposed to be responsible for a home loan with XXXX XXXX XXXX Mortgage but instead of abiding by the court order, she 's currently {$3100.00} past due on the account which is reflecting on my Transunion and XXXX credit reports ( supporting documentation enclosed. ) I have been writing letters and sending supporting documents to XXXX and Transunion for over 5 months now and all they do is contact XXXX, XXXX XXXX, and XXXX XXXX XXXX Mortgage and come back with a response letter saying that the creditors verified the accounts. This is not proper investigational work. The companies mentioned do not have the right ( legally ) to continue reporting the accounts on my credit files with Transunion and XXXX. I reiterate : upon XXXX receiving my first and only letter to them accompanied by supporting legal letters, immediately deleted the unauthorized accounts from my credit file with XXXX on XXXX XXXX, 2016. Since then I just keep getting the run around with XXXX and Transunion. Its as if they just do n't want to take the time to review the legally binding supporting documents that I keep forwarding to them. Please see attached supporting documents and get Transunion and XXXX to remove the unauthorized accounts or the only remedy I feel will be necessary, will be to start contacting XXXX in the states of XXXX and XXXX and to get the XXXX Office to look into this very request for investigation with the CFPB if this is not investigated properly and proof of a proper investigation is not rendered back to me. Please help so I do n't have to keep climbing the ladder and or wasting time.
i have been paying this company  XXXX   XXXX   XXXX  for the past few years. I have n't received any updated bills or receipts regarding this medical bill. I would like bills regarding this issue so that  I may match it with my records to ensure I am paying the correct bills an d the correct amount. In the past few years I have received  XXXX  different bills from this company and have enclosed information showing where they have been paid monthly and the original bill dates and the amount still owed.
In XX/XX/XXXX XXXX reported a fraudulent debt to my credit, I submitted a fraud statement and the debt was removed.

XX/XX/XXXX XXXX notified me SW Credit reported a Collection account with the original creditor being XXXX with an open date of XX/XX/XXXX. This debt is fraudulent and should not had been bought nor reported to my credit file.
I have had the SallieMae credit card for one year and I made my payments on time. The card company suddenly closed my account and cleared my reward points without any explanation.
609 Sectio n/ DELETIONS TO CREDIT REPORT My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation.     Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g  ] of the Fair Credit Reporting Act of  1970    provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions o f Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inacc urate reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :   XXXX   XXXX   XXXX   #  XXXX , #  XXXX    XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  #  XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   Please notify me  that the above items have been deleted pursuant to   611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts. If you do not remove this items in a timely matter I will file a law suit under section 617  under the color of the law.
If you have any questions or need additional information, please contact me at address noted below. There are a total of   XXXX    pages of items with all  XXXX  credit reports
On  XXXX / XXXX / XXXX  I was made aware from   XXXX   XXXX   XXXX   that I had a loss history report on my consumer report, he emailed me a copy. The company that reported it was  XXXX   XXXX ,  XXXX  I called and spoke to  XXXX , she said there was nothing on my repot in regards to this matter. Then I was in the process of buying a used car, when I received several notices from  XXXX ,  XXXX   XXXX ,  XXXX , that I would be denied insurance because  Trans Union  has a vehicle loss from  XXXX / XXXX / XXXX  that states I owned a  XXXX   XXXX   XXXX  & was in a n accident & policy holder was unknown, & the other driver is unknown. It says that I was paid {$3700.0 0}. I do n't know where this information came from because I have not owned a car for over 20 years. I was not driving or in any car that was in an accident. I also contacted  Trans Union they s ent me my credit report not my consumer report, also said there was no history of that. It has to be on my report because all od the denial notices where after notifying them.
Greetings, I have previously contacted Experian, XXXX, and XXXX informing the company that I have been a victim of identity theft/fraud. Experian, XXXX, and XXXX  are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Experian, XXXX, and XXXX  to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. 

It is further unreasonable that in order to find out if we were effected by the hack, they are requesting we give them our sensitive personal information AFTER we know they are not capable of keeping it secret. They should be directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
I have made payment arrangements and are making payments to Capital One but their automated system keeps calling me 10-15 times every day starting early morning to late night.
XXXX XXXX, sent a letter to my employer treating to garnish my wages. I asked the company not to contact my employer and I also told them i need o pay my loan with a different account. 

They have called me more than 5 times a day even at work.
I applied for the REPAYE program in XXXX, 2016. As of today, XXXX XXXX, 2016, my application has not been processed. It 's been 5 months. Fedloan Servicing has given me incorrect information time and time again. They asked me to pay an incorrect amount to process my application on more than one occasion, and I keep receiving bills for payments using the standard 10-year repayment program, which amounts to {$950.00}. I can not afford that payment. My loans have been in forbearance for 5 months now with no resolution. This morning I was told to continue to wait and check back since I have no other option, and to ignore the {$950.00} payment when it is due. I can not afford that payment, nor can I ignore it. Fedloan Servicing is giving me incorrect advice that could lead me a default of my student loans, while taking too long to process a REPAYE application.
Equifax is reporting balances on  XXXX   XXXX    XXXX   XXXX   and  XXXX    XXXX   XXXX  .   The accounts have   XXXX   balances.   XXXX  The account balance of  XXXX   XXXX  is incorrect by {$610.00}. The balance is {$2000.00} not {$2600.00}
I receive calls from a company called Penn Credit XXXX XXXX ALL week, 7 days a week ... from XXXX at night to XXXX on a Sunday morning. They claim I owe {$41.00} to XXXX XXXX House. This is NOT my debt. I called them and asked them to remove me from their call list yet they continue to call and harass me. The name of their company is PennCredit and phone # XXXX.
I had held a " Totally Free Checking Account '' with XXXX XXXX XXXX for longer than 20 years. About two years ago, XXXX XXXX XXXX  acquired XXXX XXXX XXXX  and my checking account. About a year or more ago, XXXX XXXX began charging me {$10.00} per month for having a low balance on the account. I received no notice prior to the " fee '' being removed for my account. I stopped the automatic deposits into that account and asked the bank to close the account. They informed me that I would need to visit them and bring identification in order to close an account that they did not want to service.This is a hardship to me as I have mobility problems. 

I am asking to have my now unfunded account closed and to have my " Totally Free Checking Account '' agreement respected. I am asking for a refund of the monthly {$10.00} deductions. I would like my money returned as I never agreed to banking with fees.
I SENT MONEY TO XXXX FOR WESTERN UNION IN XXXX CALIFORNIA XXXX. 
LOCATOR # XXXX. XX/XX/2016 AT XXXX US/TIME. THE RECEIVER NEVER TAKE THE MONEY. I CALL TO WESTERN UNION TO THIS NUMBER : XXXX. THEY TOLD ME. I CAN CANCEL THE TRANSFER MONEY. TODAY IS XX/XX/2016. THEY NEVER TRY TO CALL ME. THEY DONT REFUND MY MONEY ( XXXX USD. I SENT XXXX USD + XXXX FEE ). I CALL TO THEM MANY TIMES BUT THEY TOLD ME A NEED TO WAIT. I HAVE THE RIGT TO REFUND MY MONEY IF WESTERN UNION DOES NOT FORWARD THE MONEY RECEIVED FROM WITHIN 10 DAYS. SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE. PLEASE PAY ATTENTION TO THIS LETTER. BECAUSE THE PEOPLE WESTERN UNION NO LISTEN TO ME.
Hi, I received a wage garnishment this Friday. I was unaware of this judgment due to moving from XXXX state to another. I have wage garnishment documents that I got from the mailbox today. It states that Autovest LLC won a judgment against me. I have no clue who Autovest, LLC is. After some research, I discovered that this company buys old loans from XXXX XXXX. XXXX XXXX closed this case over 7 years ago. I do n't understand any of this, but it 's very depressing to have wages garnished ; especially without receiving no warnings of any kind. This is n't fair, I do n't make much money and I have several bills to pay including several medical bills, school loans, rent, car, etc. Can anything be done about this? I 'm totally new to this wage garnishment stuff. Also, I voluntarily gave the vehicle up because I could n't afford to pay after two years of paying way more than what the vehicle was worth. I was at a desperate time in my life and needed a vehicle for work when I chose to get the vehicle over 7 years ago. I 'm truly hurting now, not just financially, but physically as well ... Please HELP!