WillisBack/dataset-financial-user-claim huggingface dataset:
This concerns GM Financial. They are showing 30 day late payment on two bureaus and an incorrect balance on 2 bureaus. I paid my XX/XX/XXXX payment which was due XX/XX/XXXX on XX/XX/XXXX which was one day late, not 30 days late. They reported to XXXX  that I was on time. They reported to XXXX  and XXXX XXXX that I was 30 days late in XX/XX/XXXX. I caught the account up in XX/XX/XXXX and can not have them showing 30 days late when i was not. Also, XXXX  and XXXX   show a balance of {$17000.00} which is incorrect and XXXX shows a balance of {$13000.00} which is correct. I made 4 payments in XX/XX/XXXX and XX/XX/XXXX to catch up. GM Financial told me that they had a system update in XX/XX/XXXX and could not report until XX/XX/XXXX. That was 4 months of non-reporting and when they did report, they reported something inaccurate to each bureau : either the balance or a 30 day late payment. I most recently spoke with XXXX today ( XX/XX/XXXX ). They tell me they reported and can not correct until the XX/XX/XXXX report. This is hurting my credit score, increasing interest amounts on anything I want to buy on credit and a low score could impact a job offer. Please assist me in solving this issue.
HSBC Bank Nevada did not provide a copy of an alleged contract ( Terms and Conditions ) upon request, despite listing an alleged debt based upon said alleged contract on at least XXXX credit bureau reports. I do not concede the validity of the debt, but would like to see the alleged contract so I can respond appropriately.
For at LEAST 2 months now, I have been trying to obtain information about my student loans. On XXXX XXXX, 2017 I sent a Debt Validation letter to the US Department of Education to see who is collecting on my student loans because they are showing In Collection on my credit report. When I call the student loan lender at XXXX  an automated message states that XXXX XXXXXXXX XXXX XXXX XXXX  is collecting on my student loans. When I call XXXX XXXX XXXX XXXX XXXX at XXXX they state that they are no longer collecting on the accounts and transfers me BACK to US Department of Education. SO neither company can find my student loans and I have NOT received anything in the mail from the Debt Validation that I sent out in XX/XX/XXXX.
Also the contact information that is provided on the credit report for US Department of Education is not valid. XXXX is not a valid number and should not be reporting on my credit report as it leads me to no answers.
i have provided a police report and hospital documents that have proven I was in the hospital and that my credit was stolen, someone has my drivers lisc and social security number and using it inquiring credit and lots of stuff on my credit is not mine. I have no choice but to file a law suit against all XXXX credit companies. I need your help there hurting mt credit bad.
In a letter dated XX/XX/2018 it reads that I did not make a payment in XX/XX/2018. 
I have never missed a payment to Select Portfolio Servicing at any time and I will attach proof of payment. I have also contacted XXXX XXXX. They are immediately sending me documentation that I will forward to your company. 
I do not know why Select Portfolio Servicing would document this error and would like a correction letter send to me and my account made to reflect that I have not missed any payments to your company. 
This is a very serious matter to me and I am once again being pushed into a negative account status through errors created by a Mortgage Company ; that then tries to force negative repercussions to those errors, such as Default etc. 
I have attached payments made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 along with the receipts so there is no error.
Repossesion occured and payments due to company were made fromXX/XX/XXXX7.  The car was not three months past due. They added more fees. I made multiple payments to those fees and the monthly note from my banking accout. I am still told That I owe repossesion fees late charges etc. I have my payment history which reflects I was current and have not sucrssfully resolved rhe matter. I have spiken to five supervisors. I reduse to pay anymore. My loan should be paid off on XX/XX/XXXX. Thw company has me owing a balance of over {$10000.00} still. They have not creditedbpayments correctly to my loans. They also add late charges when my due date is on the XX/XX/XXXX of each month. The company is Santander. I purchased the vehicle in XX/XX/XXXX. The interst rate was over charged to me with my credit score.
My XXXX XXXX XXXX credit card XXXX XXXX Statement said that I needed to pay {$200.00} in order to avoid the deferred interest on my account. 

I paid {$210.00} on XXXX XXXX. My due date was XXXX XXXX. 

The company distributed my payment between three different balances, but nowhere in the statement, nor in the terms and conditions, was this business practice explained. 

I am therefore filing complaint for lack of transparency in the company 's method for allocating payments. In most credit cards, all transactions are added together and the minimum payment amount applies to the entire account, not individual transactions. I thought that I was paying both the minimum payment and the remaining balance on my transaction whose promotional period ended on XXXX I have consistently paid in excess of my monthly minimums. If the amount needed to pay off my expiring balance was clearly and transparently stated, I would have provided a large enough payment on XXXX XXXX to pay off the balance. 

I now have {$510.00} of interest charged to my account although my remaining balance was less than {$30.00}. 

I called the company and was told to formally file a complaint since the line manager does not have authority to reverse the charge.
An inquiry dated XXXX XXXX, 2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX  to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my XXXX report the company name is XXXX XXXX XXXX, On my XXXX report the company name is XXXX, XXXX XXXX, XXXX XXXX. 

Also, I 've called and sent XXXX a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.
XXXX of 2017 the following companys released loans to someone using my identity and social security number with out my consent XXXX XXXX XXXX vehicle lease or loan XXXX XXXX a vehicle lease or loan XXXX XXXX A vehicle lease or XXXX XXXX XXXX savings and loan a vehicle lease or loan I do not have any of these merchandises and this is on my credit reporting as having recieved. Effecting my credit.
This company has inquiries on my credit report for services that I did not request of them. 
I have never heard of this credit union before nor have I ever gave them permission to pull my credit.
Sometime in XX/XX/XXXX and in XX/XX/XXXX, I signed up with XXXX XXXX XXXX  to begin improving my credit for {$100.00} per month. They stated they would do so by filing disputes with creditors and credit agencies. I asked both times if the disputes would have any negative impact on my credit and was told they do not hit credit will not damage my credit. On XX/XX/XXXX I submitted an application for a pre-qualification for a home loan. The mortgage broker explained to me that the disputes were holding me back from being able to get a home loan and keeping my score lower. After speaking with XXXX XXXX of XXXX XXXX in the XXXX office she told me she has known since the beginning of her employment 1.5 years ago that the disputes, in fact, were impacting customers ' ability to obtain home loans. This means XXXX XXXX has been withholding that information from their customers thus influencing our decision to work with them. I don't think it's going out on a limb believing that other manager level team members at XXXX XXXX knew this information even before XXXX began her employment
Wells Fargo has recently sent me a letter claiming that they have addressed the situation in regards to my previous dispute, and that it can not comment on certain employee disciplinary sanctions ( if any ). 

Wells Fargo had initially sent a letter to me stating that the company denies any deposit taking place on that date ( please refer to my previous complaint sometime in XXXX or XXXX 2016 ), and even claims that I was not present at the time I have stated I was making the deposit. 

I would like to know Wells Fargo 's and the CFPB 's stance on this situation. I want accountability. 

Thanks.
I got letter from this collection agency base out of Washington XXXX and the letter date XX/XX/XXXX.I was check my credit report onXX/XX/XXXX I got alert on my email tell me new stuff be add on my credit report. This company list everything that was on this letter on my credit report before my 30 days I can valid information. I send the register letter from the postal office these item is not my and I need the debt valid. I feel the company violated my rights under the FDCPA.
I went into Home Depot located a XXXX XXXX XXXX XXXX, Texas to purchase some home products. At the cash register, the cashier indicating that they had special promotion because of XXXX. She took my personal information ( drivers license & social security number ) but never indicated that she was submitting an credit card application. She told me that when I got home to just throw away my receipt. A few days later, I was surprised when I received a Home Depot credit card ( issued by Citibank N.A . ) in the mail. The cashier should have been clear that she was submitting an credit card application as this could negatively impact my credit score.
This property was listed on  XXXX   XXXX ,    2016. There are 2 mortgages on this property. We received an approval from the first bank and they agreed to pay the second bank Real Time Resolutions {$6000.00}. Real Ti me Resolutions asked for the payoff letter from the first bank and then declined the offer and request an amount of {$22000.00}. After going through a divorce, which left me with sole financial responsibility for the property, I depleted my savings trying to maintain the payments for as long as I could. I was then forced to sell the property after being unable to make the payments. I was unaware that my home was in an area that lost so much value. I never expected to sell at a loss since I had already depleted all of my savings. The home is in need of repairs however I currently have a buyer, that was approved by the first lien holder.
The company is XXXX account number # XXXX for {$700.00}. It has original creditor is XXXX. However during the time this account was opened i was in prison. I also advised the address thats tied to the account is not mine etiher. They are refusing to remove and saying it has been verified
I reached out to AWA collections by certified mail twice, once in XX/XX/XXXX and again in XX/XX/XXXX to have them  validate a debt they claim belong to me. I disagree as I was XXXX the entire 2014 so this debt is not and can not belong to me. The debt is in the amount of XXXX
I received an alert from XXXX XXXX that my credit score dropped by 47 points on my XXXX  report. I had no major changes on my accounts ( even during the holidays ). After carefully examining, I realized that XXXX XXXX had reported me 30 days late. I called them and explained that I moved in XXXX and that I have NEVER had any issues prior to this. I admitted my mistake and requested for them to remove this information as a goodwill adjustment. They initially stated that they couldn't remove it. I asked to speak to a supervisor who initially told me the same thing, and explained that he never encountered this situation before. After twenty minutes on the phone, he suggested that I contact the credit bureau and dispute it. I questioned the validity of his information since the credit bureaus will only report what XXXX XXXX reports. The supervisor, XXXX suggested that I send the request to the credit dispute department which I did, but I did not receive any response or solution to my request. I have this account since XXXX of 2016 and I have NEVER been late. I had such a good payment track record with XXXX XXXX that I even have car financing from them.
I have paid my account balance to barclay card ( apple rewards ) in full each statement. Each time I went online to access my account, the balance did not XXXX out and I had a balance due. I have as result overpaid my account by {$540.00}. I have requested a refund of this amount from the card holder however, I am reporting this because their systems are not accurately crediting payments.
I am requesting a written letter indicated the amount of my security deposit for a secured credit card from Capitol One. This information is not available in my customer profile on the website. 

XX/XX/2018 I called customer service on XX/XX/2018 around XXXX and spoke with XXXX ( XXXX ). She indicated that there is nothing available to allow her to send me a letter indicating the balance. She also indicated that there was no one further that I could speak. 

XX/XX/2018 I sent a letter to Mr. XXXX XXXX President of Retail & Direct Banking Capital One Financial Corporation XXXX Capital One XXXX, XXXX, Virginia XXXX requesting a written verification of my deposit. 

XX/XX/2018 - I got a call from XXXX. from the executive offices who said he would investigate XX/XX/2018 XXXX confirmed that I would receive a verification letter in the next 7 to 10 days. 

XX/XX/2018 - I talked with XXXX who said the letter would be emailed. But I got disconnected while on hold. I called back and got another rep who transferred me to XXXX. XXXX said that I would receive the verification letter in 7 to 10 business days. 

As of XX/XX/2018 I have not received the verification of the amount of my security deposit.
Around XXXX XXXX XXXX i contacted TD Auto finance about an extension due to XXXX XXXX have 2 auto loans with them and i chose to only extend 1 loan. i have received several notices granting me a 60 day extension. 1st letter received dated XXXX XXXX granting the extension. XXXX XXXX received a 30 day letter, i called and was told as there were so many extensions from the hurricane the late letters are automaticlly sent but my extension was approved and my credit would not be affected. On XXXX/XXXX/XXXX i received an email from a XXXX XXXX that TD auto reported a 30 day late payment. I once again called TD on XXXX XXXX and was told the paperwork was not completed on their end and a supervisor would be corrected as soon as possible. Received one more letter dated XXXX XXXX saying they have granted the extension, pretty much same letters I 've already gotten. I have made more phone calls and was given the run around. Called again on XXXX XXXX and was told there were errors on their side and was in supervisors office to be corrected. Received one more letter dated XXXX XXXX stating the same as the other letters, stating amount due {$0.00}, with new loan maturity and payment date, all letters are the same.. I Made a payment via phone on XXXX for {$1500.00} and spoke to a lady and also was told they were working on the paperwork still, and was told they would be giving a credit of {$530.00} as well. On XXXX XXXX i called to follow up and now am told that i was never approved for the extension and am 60 days late that i need to pay the loan right away, this was from a supervisor. I have 3 letters stating TD auto has approved the 60 day extension..
The company refuses to remove inaccurate negative credit items The company refuses to remove credit inquiries that were not authorized
This complaint is related to complaint XXXX against Bank of America. This prior complaint was closed without proper resolution. On XX/XX/2016 I faxed all information requested by Bank of America to Bank of America. On XX/XX/2016, I followed up with Bank of America via fax ( Since I do not have a phone contact ). I have heard nothing from Bank of America. 

I am requesting the funds in my late sister 's bank accounts ( checking and savings ) up to the cost of her funeral ( Which I paid for ) in accordance with Illinois state law and the Illinois Affidavit of Small Estate. I am requesting the balance of her account including any fees and ach 's, etc paid out from her account, either to BOA or to creditors up to the amount of the funeral expenses that I paid for {$3600.00}.
I was sent a letter XXXX 2015 shortly after roundpoint started servicing my new mortgage. They were saying that I did n't have proper insurance for my condo so I sent the a copy of my XXXX policy and the associations master policy. I was assured by my mortgage originator that the coverage passed underwriting and was within XXXX guidelines. When calling to follow up with roundpoint I was told that the fax went to a central location and it would be days before it was fixed. I never heard anything back until moths later getting another letter stating that they were forcing me to use their insurance company since I did n't provide proof of insurance. At that point I got my mortgage originator involved and we sent the proof to the fax number provided from HIS office and got confirmation of delivery. Then about a month and a half later on XX/XX/XXXX I was notified that I was charged {$1900.00} for insurance which is an unbelievable number since my insurance is slightly over {$30.00} per month and the dwelling ( condo ) is covered by the HOA with a XXXX dollar policy. Now unfortunately I am stuck due to the servicing violation at the hands of roundpoint mortgage servicing because my impound account is in the rears. After multiple attempts between XX/XX/XXXX and now I have tried to contact them by phone and get the run around. They can never give me a manager on the phone and keep telling me that there is nothing that can be done. I have multiple emails showing that I scanned and emailed them and faxed the proof of insurance and it has now cost me tens of thousands of dollars.. That sounds like a stretch as my damages might seem like they should be {$1900.00} for their forced insurance that was n't needed or legal so let me explain. A few weeks ago mortgage interest rates had dropped to the lowest point of the year. Unfortunately I could n't take advantage of a refinance because the balance on my impound account is now at a NEGATIVE {$1500.00} so in addition to the closing costs I would have to pay the negative that was caused by their fraudulent insurance and enough money to establish a new impound account which should have already been in mine and carried over. The difference between my current rate and the rate I could have received when they dipped when amortized would have been tens of thousands on top of the fact that they will be raising my payment on a FIXED loan to cover their insurance. I have gone through all of the standard protocol up to this point and have no other option to ask for your help in this matter. It seems that if I am having these issues with this company others must be too and they should be audited and forced to pay ACTUAL damages plus penalty for almost on purpose overcharging and abusing consumers.
After reporting AR resources to the CFPB on XX/XX/XXXX I received a response back from them stating that the account would be removed from my credit file. After speaking to a manager today,XX/XX/XXXXI was told that it will not be deleted until the debt is paid. This debt for the amount of {$650.00} and is a medical debt. I provided proof already that I had insurance at the time but they have yet to remove this debt from my report. Im confused as to why they would say that this debt will be removed from my report and then turn around and say that it will not.
I have   XXXX   derogatory account claims on my  XXXX ,  XXXX , and Equifax credit report accounts from   XXXX   XXXX   XXXX  . After carefully reviewing this information I realized that these  XXXX    XXXX   XXXX   XXXX   credit card accounts were re-aged from late  XXXX  to early  XXXX  and should have already been removed from my credit reports based on Federal and State of Florida Statute Of Limitations. I have reached out to all   XXXX   credit bureaus and filed disputes and have asked   XXXX   XXXX   XXXX   as well to show me proof of the accounts and detailed information or to have these removed from my reports. None of the companies have provided me with the complete information that I have requested. My requests has been denied by all  XXXX  reporting agencies and   XXXX   XXXX   XXXX   has only provided me with the letters attached and also have changed and updated the claims to " disputed '' on my reports. All   XXXX   reporting agencies have pretty much told me the same exact thing, there is nothing they can do and the creditor will need to update the status and/or remove the derogatory claims. I am attaching all of the documents I have sent to   XXXX   XXXX   XXXX   via  XXXX  certified mail with stamped receipts and proof of signatures and the responses I received from   XXXX   XXXX   XXXX   for each letter. The document labeled as  XXXX -Letter1-Info.pdf is the first letter I sent with documentation and the response letters I received from them. The document labeled as  XXXX -Letter2-Info.pdf is the second letter I sent with documentation and the response letters I received from them. All of these attached documents are labeled and dated with notes as well as my personal information.
Today XXXX/XXXX/XXXX Equifax changed XXXX XXXX from status in bankruptcy to open collection unpaid with amount due. I called XXXX XXXX twice today. I called Equifax once today. XXXX XXXX assures me in their system it says in bankruptcy and says Equifax did this. Equifax says they did not. Someone did and it is not me. The balance should be XXXX like all my other creditors that were on my credit whom are now gone. XXXX is the only one whom does n't have to follow the laws? How can you drop a score for an item that was already on there because either Equifax or XXXX wants to play games with me? Equifax tried to tell me on the phone this was not part of bankruptcy. Yes it is. Attached you will find the mailing of the bankruptcy court showing XXXX on the list. Look at this case. Even though mine is Chapter XXXX the Stay still applies! 
XXXX XXXX Vs XXXX XXXX XXXX XXXX District NC ( my district ). 
" Finding that reporting delinquencies during the pendency of bankruptcy is not misleading so long as the creditor reports that the account was discharged through bankruptcy and the outstanding balance is XXXX '' XXXX v. XXXX XXXX. XXXX, XXXX, Case No. XXXX XXXX XXXX XXXX. XX/XX/XXXX ) the status quo between the parties was frozen by operation of the automatic stay. Id. ( citing XXXX v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). 
All other creditors followed the law. The status should be in bankruptcy as it was and amount XXXX. This change from out of bankruptcy to collection dropped my score XXXX points and it needs to be corrected. 
Please find attached the bankruptcy mailing showing XXXX XXXX has notice of this bankruptcy. I am really tired of Equifax playing with my credit score when it is clear it is not my fault.Thank you, XXXX XXXX
wages are garnished as of XX/XX/2015. was not aware until that day. contacted employer and they sent me the court order. all conversations are recorded.
I am confused. I had to pay my XXXX payment twice to you guys and now you want me to pay XXXX in three days. What is going on? I need someone to call him. 

Also XXXX XXXX dispute, he has not paid me. I want to continue with the dispute .I also not the leasing contract as proof.