WillisBack/dataset-financial-user-claim huggingface dataset:
Re : XXXX Account number : XXXX XXXX regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative XXXX in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!
XXXX XXXX XXXX is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX. I have never received any correspondence from XXXX XXXX XXXX. I have requested documentation in accordance with the FCRA, but XXXX XXXX XXXX refuses to comply. XXXX XXXX XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX understands the importance of properly investigating my concern. This has caused a great financial and credit burden on my family as we were recovering from medical issues and the aftermath of Hurricane Irma. I will continue to document my efforts to get this issue resolved and seek litigation if I need to.
In XX/XX/XXXX, I applied for and received a credit line for a company that I was employed by The company used the credit line after I left the company in XX/XX/XXXX. In XX/XX/XXXX, the company requested that I be removed from the account altogether and that another individual be added in my place. The company made this request in writing, pursuant to the instructions that accompanied the credit application. The bank did not remove me from the account, but did increase the companies credit limit in XX/XX/XXXX, using my credit score, and once the company started to miss payments, has pursued me personally for 100 % of the corporations debt, though they have written confirmation that I was not an employee of the company and that the company requested to remove me from the account in XX/XX/XXXX. I should have been removed from that account, and that account should have been closed, or remained open with the other individual 's credentials, not mine.
Company has contacted me multiple times and I have asked them to provide documentation for the debt they are attempting to collect. They have sent me letters with payment options too.
On XX/XX/XXXX Professional Placement Service called twice before XXXXXXXX XXXX using an automated system saying they are a debt collection company and requesting me to call XXXX. Caller ID has Professional Placement Service. I didn't call the number since they don't mention a person 's name that the debt is regarding. This robocall is calling a business phone number. The posts on the internet from XXXX XXXX website said that this is a scam.
I had previously submitted complaint and have case number XXXX. This is an update to that complaint. On XX/XX/XXXX, XXXX confirmed by phone and by email that my application for deferment had been granted, after two months of delays on XXXX part based on what appears to be intentional delays or absolute incompetence, as described in my original complaint. I further checked my account status online at XXXX website and saw that my loan had been placed on deferment from XX/XX/XXXX through XX/XX/XXXX. Despite these confirmations of deferment approval, on today 's date, I received an email stating that a payment was due on XX/XX/XXXX! I immediately called XXXX and spoke with their representative. The representative informed me that my account had not been updated and that only XX/XX/XXXX reflected deferment status. This made no sense in light of the fact that a payment was due on XX/XX/XXXX! The representative went on to inform me that she would submit an expedited request for review of my loan status and that this process could take several days. I replied that her answer was insufficient because I have been repeatedly told that every error in XXXX processing of my deferment application that had occurred since XX/XX/XXXX, would take two to three weeks to process and again I 'm being told that I had to wait for some unspecified period of time to learn the status of my loan. The representative replied that she would put an extra urgent note on the inquiry. She agreed to call me by XX/XX/XXXX, to advise me of the status of the correction to my account status that I am seeking. 
It appears to be the habit and custom of XXXX to either remain incompetent or to purposefully delay applications such as the one I requested.
DID NOT AUTHORIZE THIS INQUIRY Syncb/qvc Inquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX This inquiry could stay on your report XXXX XXXX. 
See an error? 



XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
I submitted a copy of my state 's driver 's license and social security card to the agency to verify my identity and to remove the different variations of my name, incorrect addresses, incorrect telephone numbers, incorrect social security number, and non factual unauthorized hard inquiries from the following : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.I received a response 4 days after my dispute it can be assumed that there was no investigation. I am submitting this complaint due to the lack of investigation of my original dispute of incorrect identifying information and for non factual unauthorized hard inquiries that does n't belong to me. I did n't sign for anything this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
SPS is reporting late payments during the loan modification even though they advised me they would not report late payments. They forced me to go past due and would n't take my payments promising me that it would n't show late on credit.
I was no longer working an allowed my cousin to take over the payments on my XXXX that was financed through Global Lending. They knew he was making the payment that they even dicussed my account with him. Never mind you, he is not on the loan. He informed me, as well as them that the vehicle 's motor went out while driving from Virginia back to South Carolina. After the recovered the vehicle and even possibly sold for the vehicle theyre still indicating I owe them a balance of about {$8000.00} even though i been trying to surrender the car before the motor blew out. Theyre still reporting as involuntary repo for the last five years. I need and want this remove
I disputed a charge that I know i didnt do. It was XXXX dollars from a moving company i did not hire. They reversed the charges and say they now have proof it was valid. They sent me paperwork that clearly wasnt my signature at all. I even had to get a new debit card. Why would I do that if I authorized this transaction. Now they are trying to debit my account XXXX and will put my account into the negative.
I disputed information with Equifax regarding XXXX accounts that report on my credit file as XXXX. It has been over 30 days and Equifax was n't able to verify the accounts with XXXX however they are still being reported on my credit file as of XXXX/XXXX/2016.
I have made every payment on time with XXXX XXXX XXXX on 2 loans for over 10 years they eronousley reported me late 60 days on my credit report ive never been late if you look at my credit on one of the 3 reporting buerus it shows all current but my fico score shows diffrent ive spent countless hours with bofa and every credit reporting buereu no luck XXXX a has ruined my credit because they accidentally submitted the incorrect information
There are wrong information in my report : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "   XXXX   XXXX   XXXX   XXXX   Account #  XXXX  ''
I have paid for mortgage modification in   XXXX    2016.  My grandmother passed away at the end of   XXXX    in 2016 we   were approved for modification and started our trial payments   XXXX    2016 with s uccessfully completed  the trail w e receive the final modification documents in  XXXX  however they were in my grandmother 's name. I am there I am the executor of her estate and I called nation star mortgage to find out how to sign the documents they told me to sign them as my name, executor now they 're explaining that I 'm not able to do that and I have to reapply I reapplied on   XXXX   XXXX   and they still have no decision they have not acknowledged my application for modification they have not canceled the existing modification and now my mortgage  is five months b ehind they will not except  one pa yment and I need some assistance
Caliber Home Loans is not reporting accurate information to the major credit bureaus in regards to my " monthly '' payments received, monthly payment amount, which is XXXX not XXXX or XXXX and matter has caused a negative impact on my credit, score and job clearance. Per my credit reports On XX/XX/XXXX and XX/XX/2017, Caliber reported that my account was delinquent by 30, 60, 90 days when in fact my account is current and does not reflect reporting for the months of XX/XX/XXXX, XX/XX/XXXX nor XX/XX/2017. I have recently reached out to various Caliber Customer Service employees whom referred my inquiries to their " Credit Department, '' however, the issue still remains unsolved and incorrect. I am fully aware that XXXX 's reporting is the XXXX of each month, however, XX/XX/XXXX 's reporting should reflect XX/XX/XXXX 's payment which has not been reported and the same for XX/XX/XXXX 's reporting. To date, my next scheduled payment is not until XX/XX/2017, which my reporting should reflect on time. Caliber is not adhering to their reporting schedule nor are they reporting accurately, which causes a financial and employment strain on its customers, due to their inability to report accurate information.
My husband and I checked our credit scores with XXXX XXXX because we were applying for an apartment and wanted to check our scores. This was on Wednesday, XX/XX/XXXX, in the XXXX. Saturday, XX/XX/XXXX I received an email from XXXX XXXX stating that there was a new credit account on my report. I thought this was suspicious as I had just checked my score a few days before. XXXX XXXX seems to just be a funnel for getting customers to sign up for new credit cards stating this can improve their score. I looked up the organization on my report that was this new credit account account on my report. It was Commonwealth Financial Services. I searched the web for them. They offer a deal where you can pay them to expunge the negative ding to your credit score ( mine had gone down 2points ) by sending them money without contacting the creditor. They did not reveal the original company of the debt or even the collection agency working for them. This seems like a scam where XXXX XXXX and Commonwealth Financial Services are working in tandem to rip people off. I want the ding taken off my credit score, if there really is one and I hope this is investigated and consumers can be alerted to this scam.
I received a letter from the law firm of XXXX, XXXX, and XXXX, XXXX today XXXX/XXXX/XXXX. 
I called them and told them I would love to repay the citizens bank student loan and was doing so to another law firm XXXX made small monthly payments until I pass my board exam and able to have a job and pay the entire amount ) but what has happened is my phone broke and I missed a payment because I couldnt locate the loan info for the previous law firm and my account got transferred from the previous law firm to them. I told XXXX, XXXX, and XXXX that I can not pay the entire {$14000.00} because I am a still a XXXX a full time mom to XXXX XXXX now, I just had a XXXX XXXX XXXX XXXX I told them I needed assistance in repayment where the paralegal speaking to me didnt want to hear anything I had say instead was very rude and mentioned over and over that he is citizens banks lawyers not mine and hes not concerned with my difficulties and I had no options for repayment except to pay the entire amount. I was baffled and confused by the rude tone and arrogance of this person, he kept saying we are moving forward in court to intimadate me and I called my lawyer where I was made aware than that kind of communication coming from the law firm of XXXX, XXXX, and XXXX was absolutely unacceptable. Also the information about my loan was inaccurate and when I asked about my loan balance it was also incorrect and it seems like they are charging me extra. Not only was this law firms representative extremely unknowledgeable about the loan, but rude and arrogant and proceeded with harassing me by threatening to move forward and get my co signer involved and more. I request that this law firm company no longer contacts me and takes courses on communication, customer service, and stops giving out inaccurate information.
After seeing a dramatic decrease in my XXXX credit score I can a credit report. The results of this credit report showed a single delinquency posted by XXXX through Wells Fargo for {$3.00}. This is a card I paid in full then closed the account. The credit report shows the card with a {$0.00} balance then the {$3.00} a month later. I received XXXX communication of this charge, not an e-mail, not a statement in the mail. I was only made aware of the charge when my credit score was penalized. I called XXXX 's Card Service in XXXX and asked for the communication to be printed/digitized and shared with for evidence of their mistake. I was told this was a finance charge that should not have happened and they would remove the charge and dispute the credit report. On XX/XX/2018 they issued a letter claiming the accuracy of this charge and asked I fax documentation to further dispute. I never received any documentation to be able to comply with that request. I need to have my credit score returned to the pre-delinquency status and my husband and I are looking to finance a home.
Caliber Home Loans has filed a Notice Motion And Motion For Relief From Automatic Stay Under 11 U.S.C. 362 with supporting declarations XXXX XXXX. Movant : XXXX Bank Trust XXXX. for XXXX Master Participation Trust BY Caliber Home Loans , Inc., as its attorney in factThis action is based on XXXX months non payment which is in error.
From XX/XX/XXXX- XX/XX/2018 I had noticed a few unauthorized transactions on one of my paypal accounts.Paypal claiming I made these transactions but with no verifiable proof of me doing so. I have tried a couple times getting in contact with them regarding these transactions and they still continue to deny recovering my funds. This is not even their money and they have no right to keep me from recovering these funds. 

Statue of limitations allowed me to file any and all unauthorized/fradulent transaction ( s ) up to a year from when it was first noticed. I had noticed it right away and because I have many other unauthorized transactions on other accounts from similar vendors I have either missed deadlines on some of my disputes but regardless have not been informed or even given a chance to defend myself. They have un-verified users having a field day with some of my accounts and this is simply not professional in any way. I want to have my disputes either re-opened if possible or I want to just have my funds recovered and sent back to me as soon as possible because Ive been struggling this whole year due to identity theft and someones gained access to multiple accounts of mine here on Paypal and outside Paypal and is now either making these purchases to send to themselves or find a way to steal my money. Paypal has successfully let this happen and I have been treated like a criminal at times when calling in and have been late on payments and when I had told Paypal of these issues and the issue of me, my daughter and my wife having no money at XXXX point and that I needed to recover my money, Paypal continued to wait and brush me off. My family and I didnt even have a meal to eat at times because Paypal decided in the wrong favor. Now I want the following transactions to please be noted and if still possible per the Statue of limitation, recovered and sent me via personal check. They are as follows : XX/XX/18 {$25.00} XX/XX/18 {$10.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$20.00} XX/XX/18 {$20.00} XX/XX/18 {$25.00} XX/XX/18 {$23.00} XX/XX/18 {$0.00} I was denied these claims and have no reason as to why?? These merchants have plaqued my life and have been a huge inconvenience to me at times. I have done nothing but try and work with Paypal regarding these claims and Paypal has done nothing but denied all my claims here and treat me like some sort of criminal here Please help here! 

Kind Regards, XXXX XXXX
My MUD tax payment from my escrow account paid twice on XX/XX/2019 and XX/XX/2019. 

I have called the company several times, remind them to fix the error. They never actually fix it, and reimbursed the funds back to me.
A debt from XXXX XXXX {$800.00} original creditor XXXX ... was removed off my report and placed back on in 2014. This debt is past the statue of limitations and over 7 years old. Transunion did an investigation last year and did nothing. The original default date is incorrect, but it shows 2014 the year that this debt was put back on my credit.
Next Disbursement Due Amount for my county  taxes is listed at {$2600.00}.   Sent documentation to  MyLoanCare on   XXXX / XXXX /  XXXX   to reflect the new amount of {$660.00}. However, the company still has not made the change. I have called to followup every business day since  XXXX . I 've been hung up on several times and have asked to talk to a supervisor but never get transferred to  one.    This amount is making my escrow payment close to {$400.00} per month higher.
Last year in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I believe XX/XX/XXXX I disputed the status of my auto account with XXXX XXXX through them ans through Experian and XXXX  Credit Bureaus. XXXX had my account for my vehicle listed as a charge off account, but they were receiving payments through the bankruptcy trustee of Nevada during XX/XX/XXXX. I had the bankruptcy dismissed due to other issues with the bankruptcy overall, on XX/XX/XXXX. According to the law, the accounts are to return to the status they were in prior to the bankruptcy being dismissed. I challenged this with XXXX several times, and finally the account was updated on XX/XX/XXXX to past due 30 days. The charge off was removed from my credit report through experian and transunion, and was finally correct. However as of XX/XX/XXXX, XXXX has fradulently updated my credit report through experian and XXXX  to a charge off status again. I am paying on the vehicle and the vehicle is in my possession, and has never been repossessed or returned to XXXX. They have now caused my report through experian and XXXX  to reflect inaccurately, and they need to update and correct the information immediately. They need to reflect the accurate information and I have proof of the credit reports and payments they received from the Bankruptcy court of Nevada.
In 2013, the validity of the collection account was disputed over the phone and all contact directed to my attorney. 
Account Number : XXXX Original Creditor : XXXX XXXX By communicating the debt to credit reporting bureaus, e.g., XXXX, without acknowledging that the debt is disputed, National Credit Systems violated the FDCPA for the failure to communicate that a disputed debt is disputed. 

For reference : 1. The " original creditor '' is no longer in business.
2. The statute of limitations for enforcing this type of debt through the courts in Texas has expired.
I wish to make a formal complaint regarding the " Robocall '' policies of SLM Corporation DBA SallieMae. I am the cosigner of a student loan taken out by my daughter. Due to a banking hold on a deposited check, a payment was missed, via automatic payments. I received two robocalls on Sunday XXXX XXXX, XXXX at XXXX XXXX and XXXX at XXXX XXXX. On Monday at XXXX XXXX, I called the number proffered in the robocall and spoke with a customer service representative. At that time I questioned a robocall being received on a Sunday evening. Never the less, I explained the situation and arranged to make a payment bringing the overdue amount owed to zero. To my dismay, over the course of Monday XXXX XXXX, I received a total of seven additional robocalls. All after payment had been arranged. Robocalls came in at XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and at XXXX. I believe their robocall policy is abusive to consumers. I called them twice during the course of the day once at XXXX and once at XXXX. Each time I complained about the continuing robocalls, and their inability to stop them. Also, the customer service representative 's inability to offer an escalation name or phone number to elevate my complaint to. On one call, the representative even refused to provide me access to a supervisor. I think SallieMae 's service policy to not empower representatives the ability to stop the robocalls after payment has been provided is a questionable business practice. I think a robocall policy that allows nine robocalls in essentially XXXX twenty four hour time span is abuse.
Since XX/XX/XXXX, MonarchyRecovery has repeated called my phone. Interrupting and distracting me from work and daily life. The calls are frequent. Every 15 secs I receive a call.
I was set up auto pay and they never contacted me to tell me i have to call to continue auto pay annually then i get call saying im 2 months behind and bow i need to triple pay to get update and im 2 months behind because its a new month but its not even XXXX of month which would make it 2 months past due! Then boss yelling in background telling the lady XXXX no she needs to pay past due first before anything and she is telling me im sorry im lk is he yelling at me to you! Everysince they changed to navient iv had nothing but terrible experiences. Nor will they let me access my loans online so i can see what my balance is
I effected a transfer online of {$3500.00} from my checking to my savings account. Wells Fargo took the funds from my checking but did not place the funds in my savings. When I called customer NO service they said the transaction was pending subject to review and approval!! 
This is just another method of XXXX to steal funds from consumers. 
I transferred funds from my checking to savings. Wells Fargo took the Funds from my checking account but did not place the funds in my savings. When I called they said the transaction was " pending ''. 
So they keep my money and deny me use. If I did that it would be a thief ONLINE TRANSFER REF # XXXX {$3500.00}
I had a court case with the apartment company called XXXX XXXX of XXXX XXXX. In the case, the judge made no money judgement against me. But after the case, The company still ignored the ruling of the court and sent in an amount of {$1600.00} to a debt collecting company called Pro-collect. And i have contact pro-collect several times about the illegality of this debt with a supporting court document but they failed to honored the document. Also, i have contacted the three major credit reporting bureaus and as of now, it is only XXXX that has honored the court document by deleting the debt from my credit record. Therefore, i am kindly requesting from your office to look into this case. Thank you, XXXX XXXX
I called Bayview Loan Servicing to get foreclosure information. The assest manager told me to lock up and leave my house because the sheriff is coming at any time. I do n't have any mail indicating a sheriff 's sale. He told me that I did n't want my house because I have n't paid. He told me that there 's no one else that I can speak with because he 's the assest manager. Bayview took ownership of my home while I was living in another country in 2015 and they completed the paperwork incorrectly. PA is a notary state. I could n't get the document notarized because I lived in another country and they placed that document in my paperwork when they took over the loan and it was signed by someone else with another property listed.