WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed a settled account with XXXX XXXX on my Equifax file. Instead of showing the balance as zero after settlement, they left a balance of {$150.00} on the XXXX XXXX trade line. I provided a copy of the settlement letter.
accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. 
Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.
I have had a basic, no monthly fee bank account with XXXX Bank until around middle of 2015 when XXXX Bank was acquired by Cathay Bank and all the XXXX Bank accounts were transferred under Cathay Bank. My account was also transferred under Cathay Bank but instead of the same basic no monthly fee account I used to have it was the type with $ 15 monthly fee. When I opened my bank statement from Cathay Bank and saw the $ 15 monthly fee, I decided to go the bank branch and inquire about the fee. The manager said the bank has sent all customers about the account type change and refused to refund the {$15.00}. I believe from a matter of principle what Cathay Bank has done is not right.
I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/XXXX that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies and to CORELOGIC CREDIT REPORT On Monday XX/XX/XXXX a certified letter was mailed out to XXXX and the first complaint was sent in on Saturday XX/XX/XXXX. As of Sunday XX/XX/XXXX I have yet to hear anything from XXXX. On Saturday, XX/XX/XXXX another certified letter was sent out to CoreLogic. And also followed by this new report here..
My house is under contract to be sold. I requested a payoff statement from Seterus Inc back on XXXX XXXX. As of XXXX XXXX that payoff statement has not been provided because they had a " system upgrade '' back in XXXX and are months behind. According to the CFPB website, lenders are supposed to provide a payoff within 7 days. Please help me meet my contractual obligation by assisting me in getting a payoff statement. 
I was also made aware that this lender is supposed to provide a statement showing my payment and how it 's being applied. It 's been YEARS since I received a statement from Seterus.
I have XXXX private loans being managed through American Education Services AES. These loans are also co-signed. I have never defaulted on the payments, but my pay schedule is not in line with my due date. The begin to calling my co-signer over and over again starting the day after the due date. They rarely, if ever call me. I have over {$100000.00} in loans both private and federal and have asked AES to work with me on payments that I can afford. They reduced to the payment, I am still making {$240.00} a month payment and {$0.00} of it is going to the principle so 100 % goes to them for interest and my balance is going up monthly. The are rude to my co-signer. The calling multiple times a day. When I call them back the make threats to me. I make the payment due and within days they call saying I owe more money and that I am delinquent. I have paid XXXX of dollars a month and have still been considered delinquent. Payments are made they say I owe then fees show up out of nowhere. The are harassing myself and my co-signer. They are apply {$0.00} to my principle and therefore, my loan will never be paid.
I originally filed a complaint with CFPB on or around XX/XX/XXXX about my problems with XXXX  processing my IDR request in a timely manner and providing me with a new payment plan. My qualifying payments under the PSLF program expired in XX/XX/XXXX and since XX/XX/XXXX, I have been placing my monthly payments on forbearance while I wait for my annual renewal to be approved. I have a long history of communication with XXXX about the status of this request. On XX/XX/XXXX, I received my bill for {$5.00} that would enable a new payment amount to be determined. I submitted this payment and XXXX confirmed it was received on XX/XX/XXXX. I spoke with XXXX ( employee ID : XXXX ) on XX/XX/XXXX requesting a status update on when a new payment amount would be determined. She informed me should would expedite the request and I should have a new payment amount determined by this Friday, XX/XX/XXXX. Unfortunately, today on XX/XX/XXXX I received an email telling my that they could not process my IDR request. I called and spoke with XXXX ( employee ID : XXXX ) who informed me it looks like this was made in error and she would forward the request to have someone look at it earlier next week. It has been 6 months since I have submitted my renewal IDR information to XXXX. At the rate with which they are processing this request, and have made other errors in past years in regards to ensuring I am making eligible payments towards PSLF, it will take me 20 years to make 120 eligible payments.
This is yet another compliant about the unscrupulous business practices of this collection agency that despite my previous complaints continues to call me regarding a debt that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant but still have yet to receive this information. Even further I received yet another collection call from this agency today in which I made it quite clear that the burden of proof is with the collection agency and not me and that all collection calls should cease and desist. This agency 's failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me a copy of verifiable proof, It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED. My next course of action will be litigation if I am contacted about this again outside of being informed that all negative credit entries to XXXX, XXXX, and XXXX   have been deleted.
I have tried numerous times to dispute a bill from  Home Depot that was given to CBNA debt collection company for {$150.00}. I have tried several times to get this corrected and CBNA still cla ims that I owe this amount. My last attempt was with  XXXX  and they let it go.
The escrow unit of my mortgage servicing company, Ditech, is supposed to manage and submit payments for real property tax as well homeowner 's insurance. I received my Real Property Tax Bill for the XX/XX/XXXX year from DC and the bill indicates that the real property tax for the second half of XX/XX/XXXX was never paid. Therefore there is an outstanding balance plus a penalty as well as interest. I called DC to confirm that there was indeed an outstanding balance and they calculated the numbers with me over the phone and confirmed that there is indeed a balance. They also told me that because escrow missed this payment, I could request a waiver of the penalty and interest. I then called Ditech to ask them what happened with the missed payment and to get the payment taken care of. First, they told me i received a surplus return from my escrow which has nothing to do with the outstanding tax bill. Second, they told me that Ditech did indeed make the payments. However, I told them that was not true because DC calculated the numbers and I checked the payment history from the escrow, and that payment was in fact not paid. The person i talked to insisted it was paid and tried to hang up on me and said he confirmed this with the manager. Finally, he let me speak to the manager who then put me in touch with the tax department. The tax department claims they never received the bill and said they would take my word for it to make the payment. I told them to make sure they take into account and also request the waiver of penalty and interest so there is no over-payment. They obviously were trying to get rid of me and quickly hung up. I have no confirmation that they will contact DC to get the correct amount or follow through with payment since multiple people gave me different answers. I also have no confirmation that they will request the waiver of interest and penalty fees. Please get this resolved for me so i dont continue to lose money like i did last year when Ditech refused to request an enormous refund i was owed by DC for a massive overpayment. Thank you.
On the following dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Chase Bank Usa, N.A filed 3 separate hard inquiries on my XXXX credit report. Although, I never authorized any of these inquiries, I never even applied for a Chase card. These inquiries are dropping my score and I would like to get them off of my report as soon as possible. Thank you so much for your time and help.
Back on XX/XX/XXXX a collection account appeared on my Experian consumer credit report by the name of XXXX. The original creditor of the collection account XXXX XXXX was paid by my insurance company back in XXXX of XXXX. A Dispute was initiated on XX/XX/XXXX regarding this matter. Supporting documents was uploaded to Experian website 3 days later. On XX/XX/XXXX I called into Experian Dispute department spoke to a representative who was very rude. Not only was she rude but she also refused to allow me to speak to a supervisor. The representative spoke over me and did not allow me to argue my point. Stating that the Dispute is still pending that I must allow XX/XX/XXXX for my results. Later on that evening I received an email stating that the invalid debt came back as valid. I do believe that the Dispute representative I spoke to on the XXXX. Verified the dispute as valid on her own out of spite. Without the collection company responding back to the Dispute. Something that is illegal to do. I copy of the bill showing that the collection account was paid off last year is uploaded along with this complaint
On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus XXXX and Transunion advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and XXXX XXXX has failed to provide any validation of debt as requested. I received a letter from XXXX XXXX showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with XXXX and Transunion. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to XXXX as well as Transunion. XXXX XXXX is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be removed.
I sent a cease and desist to all phone numbers in writing to Check N Go. It was received XXXX/XXXX/16. Today, I received XXXX calls to my work number ( but none to my cell ). I called and I was informed that the cease and desist went to their customer service but they were the collection dept ( still with check n go ) and they do n't have it. I informed them they are the same company so my cease and desist would apply to ever dept. She continued to try collection efforts and then stated she would transfer me to a supervisor. I could n't continue to hold and I terminated the call.
I was in the process of refinancing. My old mortgage company " Nations Direct Mortgage '' did everything they could to delay the process. I would pay {$150.00} for a payoff report and less than two weeks later it was n't any good so I 'd have to pay for another. We were finally at the end of XX/XX/XXXX. They had taken my XX/XX/XXXX mortgage payment without authorization via automatic withdraw and told me they would n't reimburse my account and I was just going to let it slide. I signed papers and then three days later I received a check from Nations Direct identified as " Escrow Reimbursement. '' So I cashed it. Then all XXXX broke loose. They sent me that money in error. Their error. The escrow reimbursement money was actually withdrawn from the mortgage account and they refused to close until I wired them {$1500.00}. I did that immediately and the process was closed. But from the end ofXX/XX/XXXXtill even today three weeks after the close and transfer of my mortgage I receive collection calls daily. Yesterday XX/XX/XXXX I received my 9th letter of collection notice and a form for Loss Mitigation Alternative Program. I 've called Nations Direct at least a dozen times and explained to debt collections who call me at work, what the situation is but to no avail. Now I find that my credit rating has been affected by a delinquent mark for a mistake they made. When I ask them to retract the mark they tell me no, that I 'll have to write a letter and dispute the mark. Why should I have to fix their mistake? And as of today I still have n't received any of the money that is sitting in an escrow account. because I paid my property taxes for the year ALL of that money should be coming back to me but has n't. This company has put me through XXXX and affected my credit rating with their errors and shows no remorse of attempt to correct the wrongs they 've caused me.
I FOUND A DEBT OWED TO XXXX XXXX ON MY CREDIT REPORT. I WAS NEVER NOTIFIED OF THE DEBT AND THE AMOUNT IS WRONG. I CALLED AND WAS GOING TO SETTLE THE ACCOUNT BUT IT SAID I OWED FOR EQUIPMENT WHICH I PERSONALLY TOOK BACK TO THE LOCATION ON XXXX XXXX IN XXXX OK. THE DEBT HAS NOW BEEN SOLD TO ANOTHER COLLECTION AGENCY IC SYSTEMS AND I WAS GOING TO PAY THE ACTUAL BILL BUT THEY REFUSED TO TAKE OFF THE {$120.00} EQUIPMENT CHARGE. I THEN CALLED XXXX XXXX AND THEY CONFIRMED RETURNED EQUIPMENT AND BALANCE OWED IS XXXX I TALKED TO XXXX AND THEN XXXX IN BILLING WHO REQUESTED A FORM TO CONFIRM THIS.
I had a Chase credit card ( ending XXXX ) that I cancelled on XX/XX/XXXX at XXXX M.S.T. 
after contacting Chase via phone. 
I informed Chase that the card and account was cancelled and that I would NOT accept any new cards. 
They ignored it all. So, keep up my requests. I did so at least 34 times via secured Chase e-mails, multiple recorded phone calls, and 1 ( one ) letter on XX/XX/XXXX to their main office : Chase Services XXXX XXXX XXXX XXXX, DE XXXX I informed them I wanted a reply that they acknowledge the card ending XXXX and account were closed along with any bank links and that I would accept NO further cards. That, if in fact, the did not reply or issue additional cards I would contact the SEC, Federal Reserve, BBB, and State Attorney General of Arizona, and will consider possible legal action against Chase The ignored contact, letters, and calls and then issued a card ending XXXX without my permission. 

Im still receiving paperwork for this new card via the U.S.P.S. and my old ( XXXX ) account is not closed. 
It has affected my credit rating. 

Their actions are fraud! They refuse to comply.
I am nearly due to start paying back my loans so I was going to call  XXXX   XXXX  to arrange payments. The first number   XXXX   provided was a scam and the company I called pretended to be Fasfa. They got me to give them a password request change number without realizing it until it was too late. Which gave them access to much personal information besides what I had provided. As soon as I hung up I started to try and rectify the problem I Had created. I contacted the bank, fasfa, the department of education, local law enforcement,  XXXX , etc.   In total I was scammed to give up information to a company that acted as though the were fasfa only later on saying they were not a government affiliated  site.They are  going by the name  XXXX   XXXX   XXXX   XXXX   Phone:  XXXX  The attorney generals office informed me to submit a complaint here.
In the past months, I have been reviewing all my student loans and trying to make since of some recent changes. I asked for my loan disputes to be removed, however, they were removed but I see there was a change to XXXX of the XXXX XXXX Accounts. According to my credit report in XXXX of 2016 all my XXXX XXXX XXXX showed Closed and a XXXX balance with remarks stating something to the nature of " account transferred o the government ''. As of XXXX XXXX, 2016 it shows closed with a NEW balance of {$2.00}, XXXX and no remarks. How is this amount owed? I never received a written notification of this new amount owed for this debt.
This medical account is paid off since XX/XX/2017. My medical information was shared without my consent to the collection company. More than just my name, address, and amount owed. Procedures were also sold to this collection company. This goes against HIPPA regulations.
There is XXXX issues on my credit report that is n't me. For XXXX, I never lived in XXXX XXXX and I had moved out of XXXX XXXX, when this incident occurred.
Experian continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.
Completed refinance application with PNC Mortgage on XXXX XXXX, XXXX. Information provided included : ( 1 ) the consumer 's name, ( 2 ) the consumer 's income, ( 3 ) the consumer 's Social Security number to obtain a credit report, ( 4 ) the property address, ( 5 ) an estimate of the value of the property, and ( 6 ) the mortgage loan amount sought. 

Did not receive disclosures within 3 days as required by law. 

In addition to the above on XXXX XXXX, XXXX, I also sent XXXX personal and business income tax returns, personal and business financial documents, payroll receipts, and all property tax records. I resent two business returns as requested on XXXX XXXX, XXXX. Receipt was confirmed on XXXX XXXX, XXXX. 

Attempted to call the loan officer and his assistant at all their listed phone numbers and then sent an email to both on XXXX XXXX, XXXX requesting the status of the loan application, to which I have received no response and still no disclosures. 

They are in receipt of all my relevant personal financial data and I have not been able to contact them since XXXX XXXX, XXXX by phone or email. 

The PNC loan officer is : XXXX XXXX XXXX Mortgage Loan Officer Supervisor NMLS ID XXXX XXXX XXXX PNC Mortgage XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. OH XXXX ( p ) XXXX l ( c ) XXXX l ( f ) XXXX XXXXXXXXXXXX and his assistant : Assistant to XXXX XXXX XXXX : XXXX XXXX Mortgage Loan Officer Assistant NMLS ID : XXXX PNC Mortgage ( p ) XXXX ( f ) XXXX XXXXXXXXXXXX
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX XXXX
XXXX Mortgage is reporting account open with a balance of {$33000.00}. This account should be reported as closed and XXXX Balance. It was included in my Chapter # XXXX bankruptcy discharge on XXXX XXXX, 2015.
I obtained a car loan thro ugh Santander Consumer c ompany on   XXXX   XXXX   XXXX     a  XXXX   XXXX  My fist payment was due on   XXXX   XXXX   XXXX   I made my  1 st.  Payment on   XXXX   XXXX   XXXX   2. Payment on   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.    XXXX   XXXX   XXXX    5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   Santander took my  XXXX  payment that was intended for  XXXX  Payment and only credited me for the principle payment of {$22.00} and put the rest towards my interest. Then they charged me a late payment and affected my credit with another lender that I was trying to refinance the loan with for a lower rate, saying that I had a late payment of 15 days and the account was placed into collection.  Santander  should be charged with predator lender practices .This affected me from obtaining a different loan at a lower rate. My rate with  Santander  is  XXXX  % and the rate I was offered prior to the lender contacting Sandtander was  XXXX  % which would have save me greatly over the term of the load. I believe that this was intentionally done to keep me oppressed under this high interest rate loan.
I 'm the XXXX XXXX on a property in CA that will be a short sale. There have been several offers. XXXX were approved in the past, but XXXX buyers walked-away because it took too long to get the approval. We received another offer with the exact terms as the previously approved offer in XXXX XXXX and submitted to PHH immediately. PHH has repeatedly asked for documents to be sent and resent to them multiple times which we always did within hours of their request. The borrower has just received a NOTICE OF TRUSTEE SALE which is scheduled for XXXX XXXX, XXXX while the Short Sale is still in process. We can not reach anyone at PHH. The contacts we have at PHH are not returning telephone calls or e-mails. In the past, they have always responded.
I am disputing a {$19.00} late charge from fred Myers jewelers platinum preferred Master Card # XXXX XXXX XXXX XXXX. 
My payments are due the XXXX day of every month. In order not to be late with my payments I have arranged with XXXX bank to withdraw my monthly payments from my account in a timely manner so that the credit card company will receive payment on or before the due date. Apparently in XXXX the payment came late. 
I have disputed this with XXXX bank as well and after looking into this case, XXXX bank has assured me that they send the payment to the creditor in plenty of time for them to receive the payment and will not take responsibility for the late charge. 
I have called and spoken to customer service several times and they refuse to refund the {$19.00} saying its the banks fault, the bank says its the creditors fault. 
I am very frustrated since I always pay my bills on time and do everything possible to avoid late charges or missed payments and feel that I have been wrongly penalized.