WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed a judgement on my credit report for a judgement to be removed. I even provided official court documents saying that the judgement had been set aside and that I am dismissed from the case. Equifax sent me an email saying that the dispute is complete and that they already have it marked as satisfied on my credit report. Even though my documents from the court set aside the judgement they refuse to remove it from my credit report because the papers have an electronic judge signature instead of handwritten one. Equifax said they can not use electronic signatures and the courthouse said electronic signatures is what every judge uses in the state of Utah now according to code. I want this removed from my credit repoerts Equifax and XXXX.
I contacted XXXX XXXX in XXXX about qualifying for the federal student loan forgiveness program in XXXX after 120 on time payments and was on track to keep track of my government employment so I would qualify. In XXXX, I contacted Navient to make sure I was still on track, only for them to tell me I did not have the right type of loans for that. They now wanted to set up an income based repayment plan, which would not have benefited me at this point in any way since I would likely pay of the loans after 120 more on time payments just to qualify. I have been paying on {$33000.00} in student loan debt since XXXX at more than {$200.00} per month and still owe more than {$18000.00} on these loans. Something ca n't be right for 20 years of payments thus far.
I read about the Equifax Data Breach on XX/XX/2017. 
I checked my info with the equifax breach site to see if i was impacted ( I " may have been. " ). 
I followed steps outlined at ftc.gov to contact the reporting agencies and put a fraud alert on my file, which should require anyone initiating a new line of credit to call me before doing so. 
I followed the instructions to get my free annual credit reports to review and ensure nothing out of the ordinary ( nothing yet ).
When i received my credit report i was shocked i had a 30 days past due in XX/XX/2013 in my capital one account number XXXX, i believe i always made my payments on time when i received the statement, most likely i did not received the statement that month, looking into my account i was never late before or after.
In 2015 we signed up to have our mortgage payments made through XXXX XXXX XXXX. After several months we received a letter from them stating that they could no longer do business because they were having a problem getting a bank to work with them. We then contacted our mortgage holder, XXXX XXXX ( Account # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ) and asked if they could take the payments out every two weeks. They said they could. They took the payments for a few months and then we noticed that we were being charged a late payment charge each month. We called to determine why this was occurring. The rep told us that it was because the second payment was arriving after the XXXX of the month. Well, we souke with a supervisor because their rep set up the payment schedule and should have noticed that would occur. Secondly, with a payment plan twice a month you shouldn't be stating that our payment was late. The rep we spoke with when we called stated that he would change the draw dates for the payments. He did not do that. He cancelled the one schedule of payments and never set up another. We were traveling and so never noticed that the payments did not come out. Since we were camping, in most locations we didn't even have access to wifi. When we finally returned home we got our mail and had several letters saying we were in default on the mortgage! When we called the second representative told us they would have to investigate and not to make the payment until they figured it all out. Once they fixed the problems they removed all late charges and said they corrected our credit report. They did not. They had been reporting us 30,60 or 90 days past due. What they did was then report the account as current, but never did remove the reports of being 30,60 or 90 past due. At one point we were actually two weeks ahead in our payments. Have written several letters but get a form letter in return saying they can not correct the information because it is accurate but the issue was caused by their representatives. Even though the information is technically accurate, if someone actually took the time to read through the notes in our account they could see tthe whole picture. We are not getting any assistance by trying to deal with the mortgage company and the credit reporting agencies keep reporting a " serious delinquency '' which we assume is the mortgage issue, however, when contacting the credit reporting bureaus, nobody will explain to us what the " serious delinquency '' is on our reports. They all simply send us ANOTHER copy of our credit report. We have about 20 copies of our reports and we can't see ANY serious delinquency except the 30,60, or 90 days past due being reported by the mortgage company. I am a XXXX veteran, retired from the XXXX, My wife is also a veteran of the XXXX. We shouldn't have to be spending our time, hours on end, trying to fix this issue ) When a company services VA loans they should be respectful of the customers they are serving.
In or aroundXX/XX/XXXX I purchased a car and financed it through Security National Automotive Acceptance Company ( XXXX ) .. I made approximately 5-6 payments and realized I could not afford the car anymore. At some point the car was repossessed. In or around XX/XX/XXXX XXXX began to call my cell phone regarding the payments. Eventually the calls became threatening, persuasive and all but bullying me to give them money. The calls were as much as several times a week during the first 2 months. A few things they were saying to me were, amounts I need to and GOING to pay, we will put an arrest warrant out for you, and we are the only people that can help you. These calls lasted for over 10 minutes and the representatives constantly said the same things over and over until I would ask to speak to someone else and at that point I would be on the telephone waiting for long periods of time and at some point I would just hang up. The calls would then persist from different representatives. Approximately 1 week ago, I received a copy of my credit reports and noticed a balanced owed to XXXX in the amount of {$10000.00}. I called them to inquire, I was told the car was sold at an auction for approximately {$1300.00} and the current balance owed to date is {$10000.00}! I actually had to have someone else speak to them on my behalf because of what i had endured previously. Soon thereafter, I mailed them a letter ( attached ) requesting any and all documentation regarding my account as well as demanding them to cease contacting me via my cellular telephone. I have also received texted messages from XXXX and surprisingly, as of XX/XX/XXXX sure enough, I received another text message ( attached ) from XXXX!
My credit reports state I have a Serious Delinquency on my Chase Mortgage. Chase is reporting that was 120 days late and that is incorrect. I was in a disaster area ( Hurricane Harvey XX/XX/XXXX ) and on a mortgage forbearance program sponsored by Chase From XX/XX/XXXX until XX/XX/XXXX - no mortgage payments were required. In XX/XX/XXXX, I entered into a loan modification program where I made trial payments from XXXX through XXXX. My loan was modified and I started making payments according to the new schedule. At no time was I considered late. In XXXX of XXXX, my credit report was impacted by Chase reporting that I had a late payment history with the worst payment being over 120 day late. I disputed this with the credit reporting agencies several times. I called Chase in XXXX and they said that although no payments were required during the forbearance period, none were received (???? ). Basically saying that even though you weren't required to make a payment, you are technically late because a payment was not received. I received a letter from Chase in XX/XX/XXXX stating that my account has been reported correctly to the agencies. After continued disputes I called Chase in XXXX and spoke with the Credit Reporting Department. They agreed with me that I should not have been marked late and that the reporting was done in error. However, they have not guaranteed that this will be corrected. 
This false and inaccurate reporting has had a serious impacted the credit scores for my wife and I for over a year ; dropping our scores below 600 and denying us access to loans and competitive interest rates.
I found a debt from XXXX XXXX XXXX XXXX on my credit report. I sent a Debt Validation Request to the company on XX/XX/2017 via return receipt mail. The company did not reply.
I have one account on my credit report that i have disputed and been deleted twice. Now it shows to be back on my credit report. 
1. XXXX XXXX {$54.00}
On XXXX XXXX, 2015, I received an adverse credit letter from XXXX. They stated their decision was based on information received from XXXX credit reporting agencies, XXXX and IDA , Inc . The information was inaccurate. On XXXX XXXX, 2015, I requested my credit reports and credit scores from XXXX and SageStream ( formerly IDA ). I promptly received my Credit Report and Score from XXXX ; XXXX ; XXXX. The credit report from XXXX revealed no adverse information. 

Instead of sending my Credit Report and Score, SageStream sent me a letter requesting identify information as well as XXXX verification documents. This was done along with my second request for my Credit Report and Score on XX/XX/2015. To date I have not received a response from SageStream and I am continually being assessed the XXXX monthly bad credit fee.
I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as XXXX XXXX, XXXX, XXXX XXXX. I have also filed an FTC Id Theft report. I have not received any medical services in question. <P/>You have 4 bus days to stop reporting and delete the accounts once you have received my documents. <P/>FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a  statement by the consumer that the information
ACCOUNT WAS CLOSED FOR NO KNOWN REASON, BEEN A CUSTOMER FOR HUNTINGTON BANK FOR ALMOST 10 YRS WITHOUT ANY ISSUE..
NO ONE COULD EXPLAIN TO ME WHAT MY CAUSE OF ACCOUNT CLOSURE WAS PLEASE INTERVENE.
a ) My monthly payment is $ XXXX/mo.

b ) I pay my own taxes and insurance. 
c ) I issued advance payments for {$1700.00} each covering thru XX/XX/XXXX. 
d ) Shellpoint has my account past due/foreclosure/default for {$28000.00} ( approx ) as of XX/XX/XXXX. 
e ) On XX/XX/XXXX, I issued two payments ( {$3500.00} tot ) for {$1700.00} each by mail since I could not issue an auto/electronic payment since they have the account in " default '' status. 
f ) Shellpoing has stated the last payment was received on XX/XX/XXXX covering thru XX/XX/XXXX. 
g ) Shellpoint has added " forced lender insurance '' for {$5500.00} for XXXX XXXX
Mercedes Benz Financial Services ( MBFS ) has refused to refund an overpayment to my account in the amount of {$300.00}. The payment was made XX/XX/XXXX while I was in the process of transferring my lease. Along with the paperwork for the lease transfer, MBFS required what would be my final payment, due on XXXX XXXX, XXXX, and so I sent them a check, which MBFS cashed. While the lease transfer paperwork was being processed, and as the XXXX XXXX due date approached, MBFS left multiple messages on my phone asking that I send in my XX/XX/XXXX payment. Not wishing to derail the lease transfer at the expense of the transferee, I logged into my MBFS account and made an electronic payment of {$300.00}. Thus, I made 2 payments for XXXX XXXX, and figured that MBFS would refund the overpayment, and indeed, its representative said I had a refund due when I called XX/XX/XXXX to check the status of my refund. I was troubled during that call because it took MBFS an inordinate amount of time to locate my account. When XX/XX/XXXX arrived and no refund had arrived, I called MBFS again, and it took them at least half an hour to find my records, as it appears that my account has been virtually deleted from their system. That phone call lasted well over XXXX minutes, and I was placed on hold during much of it. MBFS eventually informed me that because the account is no longer in my name, any money that is due to me must be paid to me by the person who took over my lease. That is not correct, because the overpayment was made while the account was still in my name, and therefore it is MBFS that improperly kept my money and must refund it. The lease transfer was complete as of XXXX XXXX, XXXX, and my check was presented on XXXX XXXX, XXXX, with the electronic payment having been made on XXXX XXXX, XXXX. Proof of these payments will be attached. In any event, the transferee of my lease is an innocent bystander and should not be troubled by any of this.
I have a closed account with Chase which I have recently paid off completely as of XX/XX/2016. The remaining balance at the last statement date was {$20.00}. I paid {$21.00} on XX/XX/XXXX and had a credit balance of {$0.00}. On XX/XX/XXXX, Chase issued a " debit adjustment '' and removed the {$0.00} from my account. When I called today and asked why they did this and why a check for this amount had not been issued to me, the representative said that Chase routinely does debit adjustments to accounts with credit balances of {$1.00} or less. I wanted to flag this for you because on an aggregate level, this must represent a very large amount of money that Chase is in essence stealing from customers. 
I was never contacted by Chase, either by an account notification, an email or a telephone call prior to the " debit adjustment '' occurring on my account.
My soon to be X husband has moved to XXXX XXXX XXXX in XXXX Il XXXX, HIS name is XXXX XXXX XXXX XXXX DOB ... XX/XX/XXXX. Please remove any of his information from my household. I have never lived in XXXX nor will I ever. 

I have lived at my current address for 45 years and will continue to live at XXXX XXXX XXXX ( is my current name until divorce ) ( then it will XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Illinois XXXX DOB XX/XX/XXXX
My American Express credit card number was stolen and used fraudulently for purchases at XXXX different locations of XXXX XXXX in XXXX. I was completely unaware that my card was compromised until American Express finally blocked a card. I follow everything that American Express told me to do : filed a police report, completed a fraud form and submitted it to American Express. After three months of so -called ''investigation '' i received a letter from fraud investigation department stating " We regret to inform you that your claim can not be accepted as a fraud and your account is turned to a collection department ''. On the date XXXX XXXX, 2015, when the fraudulent purchases were made at XXXX XXXX XXXX, XXXX, for {$2900.00} and then again at XXXX XXXX, XXXX, for the same amount {$2900.00}, i used my card in XXXX, XXXX to pay for lunch at cafeteria at the hospital where i work. I would assume that this should bring red flag and prompt American Express to take some action, but no, those charges went unimpeded. After successful shopping at XXXX those criminals had a chicken lunch at XXXX, XXXX and paid with my credit card {$29.00}. Also they serviced a car at XXXX, XXXX, for {$75.00}. Next they waited and used my credit card numbers on XXXX XXXX, 2015 to shop again at XXXX XXXX in XXXX, XXXX, for {$2800.00} and at XXXX XXXX in XXXX, XXXX for {$3600.00}. Those charges went unimpeded as well. On XXXX XXXX, 2015 i used my credit card to pay for parking my car at the parking garage in XXXX. American Express Fraud Investigation Department conducted so called investigation and came to conclusion based on ''history and notes '' that this is not a fraud and therefore i have to pay for fraudulent unauthorized charges on my account which they, by the way, closed and opened another account for me.
I have a mortgue with bank of america I over paid my escrol account and am due a refund but am behind on my loan so they will not give me my money I asked to have the money applyed to my loan to help bring it curent and they wount do it they told me they have to send it to me but they wount because I am behind
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date Opened>>>> XX/XX/XXXX and XX/XX/XXXX
I transferred money from my card to a bank account. The same night i was charged again. I spoke to customer service three times and was told to wait 24 hours. Which i did. I was then hung up on when i called again and asked for the eztra charge to be reversed and my money put back on my card.
I submitted a prior complaint against XXXX 's # XXXX. XXXX 's response was fraud and misrepresentation and nothing more. However, the CFPB did nothing to investigate issues I raised. It is clear from XXXX XXXX response they tried to put this back on me which was specifically designed to " cover their XXXX ''. It is clear XXXX XXXX moved my payment and tried to pull it from a closed account. Their website does not support the direction they relate about designating account and they state in their response. THE REASON FOR THIS SECOND COMPLAINT IS THAT XXXX 'S IS CHARGING " RETURNED CHECK FEE '' WHEN CHECKS ARE NOT INVOLVED IN THE TRANSACTIONS! THE PAYMENT IS TAKEN FROM MY CHECKING ACCOUNT AS AN ARCH PAYMENT, NOT AN ELECTRONIC CHECK. IT IS UNCLEAR WHAT LEGAL AUTHORITY XXXX 'S IS BASING THEIR RIGHT TO ASSESS THIS CHARGE ON THIS TYPE OF TRANSACTION. I SUSPECT THEIR ARE MANY OTHERS THAT HAVE HAD THESE RIDICULOUS CHARGES ASSESSED, BUT MAY BE IN A POSITION NOT TO KNOW THEY CAN QUESTION IT. THIS COMPLAINT IS TO DETERMINE HOW XXXX 'S IS JUSTIFYING THIS " RETURNED CHECK FEE ''.
Ocwen Loan servicing refused to accept my mortgage payments via XXXX XXXX and over the phone. They said it was 3 months late and I must pay all that is due to prevent foreclosure. The problem is that I was not yet 3 months behind. I was 2.5 months behind. I told the agent this and I was told by him that he can not accept my payment. It seems like they just want to foreclose on my house. They 're crooks.
I contacted Navient on XX/XX/18 and spoke with XXXX regarding my private loan repayment options. My loans were going into repayment, and the nearly {$800.00} a month they were asking for was not feasible. I was advised by him that he could get them to {$310.00} a month, but I had do automatic deduction from a checking/savings account. I told him I could not do that, and he advised me that he could not help me any further. 

I contacted Navient again on XX/XX/18 after receiving a letter that my payment was past due, and to contact them so they could work something out. I spoke with XXXX and advised her that I was unable to pay more than {$300.00} a month. She said she didn't know if she could get it to that, that she could fill out a financial form and see. She asked how I would make my payments, and I advised her that I would make my payments on-line. She told me that unless I do automatic deduction from a checking/savings account, they would not help me. She advised me that the loans will go on my credit on XXXX.
I received correspondence from this company dated XX/XX/XXXX. I spoke with a representative when I received phone calls. I explained to the representative that this debt was paid with another company that had validated the debt. I asked for validation of the debt. However, no information was received. I mailed a letter to the company on XX/XX/XXXX disputing the debt and also requested validation of the debt. I received no information. I resent the letter on XX/XX/XXXX. No response was received from the company. I called on XX/XX/XXXX. A representative told me that she would get her manager to investigate. I still received no follow-up. I called again on XX/XX/XXXX. At this time, I requested to speak to a manager but was told that no one was available. I then asked for a manager to give me a call back. I received no phone call. I now see that this account was reported to XXXX on XX/XX/XXXX with a balance of {$660.00}. I am reporting Debt Recovery Systems for noncompliance and requesting that this debt be removed from my credit reports with XXXX
My husband died in America and I was forced to return to XXXX XXXX. I 'm the Executor of his estate but the Bank of America refuses to pay me the balance in his account. There reason being? we are not going to be able to accept the documentation you provided to me to open an estate account. As we discussed before in the past, the documentation for the estate would have to be from a State of Florida Judge naming the personal representative to the estate. Once we have that documentation and a tax ID number for the estate we could then open an estate account for the funds that he had here at Bank of America to be deposited in and the personal representative could distribute the funds as they see fit.
Purchasing A NEW home.XX/XX/2016 got all the required paperwork to them timely. rates at the time were 3.25 or 3.74 no higher, We got preapproved prior to our additional deposit of XXXX on the balance. NVR Mortgage the company of the builder sat on our application for two months, until the rates went up and failed to include the additional sum they received or the fact that we asked for 15 year mortgage loan back on XXXX XXXX, 2016. Please help us. My husband is a XXXX Veteran and was approved for a VA loan. This is unheard of that they have not yet given us a 15 year mortgage or they have recalculated the loan subtracting the large sum, they initially stated they never received.