WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX is wrongfully reporting negative information on my credit report. Last month I went to apply for a loan with my bank but was declined the loan. I was advised that due to being late on my car payment that the loan couldn't be processed. I decided to pull a copy of my credit report to see what was reporting from XXXX. Not only was it upsetting to see that XXXX was reporting incorrect information, I also noticed that my credit score lowered due to the reporting by 40 points. I contacted XXXX to inform of the reported late payments and was advised that no payments were reported late. 



I requested a payment history review and was advised that two of my payments dated XXXX and XXXX of 2018 were paid towards late fee 's and not the payment due. XXXX has reversed the payments but still reported that I was 30 days late each time. I am attaching the loan payment history for the moths in question along with a copy of the current credit reporting from XXXX.
In XXXX  I refinance a home mortgage with Chase Bank for a better interest rate. This refinance was from a Chase loan to a new Chase loan. Chase never filed a lien release for the original mortgage. Today I am trying to schedule a closing for the sale of my house and am unable to get a closing scheduled because Chase has not provided the lien release.

For close to a month I have been asking for this to be resolved and have gotten nowhere. My real estate attorney even provided the bank with a title search to get this done. The title search was just completed but Chase replied that it was too old.

Each time I call I am told they have no further information and then am told they will know in 24 to 48 hours, three to five days, 5 to seven days. ( It varies depending upon to who I have spoken to. ) I was promised a Paid in Full letter and a confirmation that the bank will complete the discharge and file it with the county but never received it.

I am now seriously concerned as the buyers have threatened to walk away from the deal and I seem to have no way of getting this resolved. It frustrates me that due to something that Chase should have done years ago that I am now put into this position
When I was XXXXyrs old my mom had me cosign a mortgage with her in XXXX. Years later she defaulted on her payments because she went on XXXX. In the process she was trying to get the loan modified, I put a quit claim deed on the house because I never lived in it as I was advised to do so by the company ( I live in XXXX  ). While the modification was getting approved Ocwen told her not to make the payments. I never signed modification, I never in my life made payments, the company will not speak to me being that I am not on the modification yet they have and are reporting Me to the credit bureaus and have ruined my chances of many loans including a VA Loan with my husband. I have hired several companies to help fix the issue, but they haven't had any luck. The modification strictly states that only my mother is listed as owner/responsible party. They need to remove the account from my credit or remove the late payments completely.
On XX/XX/2018 I received two calls from Chase Card Services within 1 hour. In both cases I identified myself as the correct party and even advised the 2nd debt collector that she was in violation of FDCPA as she proceeded with call as if it was no big deal. I demanded to speak with a supervisor and spoke with XXXX ( team leader ID : XXXX ) in the XXXX XXXX office on Monday, XX/XX/2018 who apologized and requested I contact her should this happen again which I plan to do today since I received a call @ XXXX XXXX  which I did not answer, then again at XXXX which I answered and identified myself and during his speech I hung up as it was not the right time to discuss this and then AGAIN at XXXX XXXX ( XXXX ID : XXXX ). I explained to XXXX that she was in violation and proceeded with collection efforts. At this time, I intend to proceed legally as the debt collectors are clearly not apologetic or upset that they violated FDCPA and I have brought this to the attention of management.
I can not get my XXXX from BBVA Compass Bank. I changed my address in XX/XX/XXXX and they have the correct address on file. I have been given the run around, mis information and was hung up on. XXXX different Customer Service Reps have stated the XXXX would be received within 7-10 days. I still dont't have it after a month.
Me and another persons information was merged on our reports. I have since fixed my reports on my end, but I dont think the other person fixed thiers. So i am still having her open accounts under my name, and have my information populate under her name. ( Also, security questions i have to answer are almost ALWAYS questions about her information. ) I want to make sure that my information is no longer on this persons credit report, however i have no way to formally dispute the issue since it is not my report.
No Notice was mailed account appeared on my credit report cause my score to drop no knowlede of this account
I have tried several times for a loan modification and have I have been denied. I received a letter from the Executive Office XXXX XXXX XXXX XXXX OH on XX/XX/18. The letter was dated XX/XX/18. In the letter they advised that they need more time for the loan modification because they received more information that they need to review and for me to call right away and they can let me know what new information is needed. Soon as I received the letter I called and left several messages to the person who I needed to contact XXXX XXXX and to this date I still have not received a return phone call. I am trying to save my home. I have been reaching out for help but nobody seems to want to help me.
I have attempted multiple times to reach out to the company Coinbase. the first attempt on XX/XX/XXXX,  then again on XX/XX/XXXX, and finally again on XX/XX/XXXX regarding the death of my father and his bitcoin account. I explained to them I don't know the passwords to the account only email associated with account. I have been trying customer support and no one has answers on the phone and keep saying a specialist will get to me yet never does.
Citibank has been sending me a late payment statement even though I pay my Bill. Sometimes they send it with my Bill.. I have called them several times and am told I did not pay my entire Bill. I called the home office and am told the bills are correct. I even paid almost double my bill at one point and still got overdue notice. This month ( XXXX ) I once again I got an over due notice after paying my bill. I have started recording conversations CitiBank employees.
On XXXX XXXX, I opened a secured credit card with 5/3 Bank with a {$500.00} limit. I lost my job. I paid the {$70.00} of interest, and they closed the account and took {$500.00}. We closed the account. It is still showing as open on all XXXX of my credit reports.
When trying to use Navient 's website and contact the organization or obtain forms they state are necessary for requests, one is returned to the sign in screen ( and is logged out ), and then when one signs in again, one is sent to the home screen. There is no evident way to actually send communication to Navient. When calling their number, I waited for 20 minutes -- -after being told the wait is two -- -and having never spoken to a representative, I was auto-switched to the post-call survey. I uploaded a letter from my educational institution using the function on Navient 's website to show that I am fully enrolled for the Spring semester. Upon receiving it, Navient notified me that they need proof that I am enrolled and have no such proof. The ironic thing is that what triggered this statement is the very upload I gave with the information. I have spent a day of my life trying to do a simple thing, request a loan deferment because I am enrolled in school after taking a semester off. Their website offers endless cycles and no help. If they are profiting off of my interest, the least they could do is provide an actual human being to speak to.
Credit report stated account was opened on XX/XX/XXXX for a balance of {$59.00} for medical that I do not owe directly to them. They have been calling my cell phone 3 times or more a day not leaving any messages and when I do answer I have asked them several times to stop calling me, mail me a letter and to not call again as I do not owe them the money and they are a 3rd party collector.
On XXXX/XXXX/16 I called my banking institution, Wells Fargo to request a charge of {$2100.00} to be reversed from a debit card purchase on XXXX/XXXX/16. Where I visited XXXX XXXX XXXX Fl. to have XXXX XXXX. XXXX XXXX. My plan, was after having the retreat completed ; I elected XXXX XXXX XXXX, also of XXXX XXXX XXXX XXXX, to do XXXX XXXX XXXX. 

On that day, I made a deposit of {$2100.00} to XXXX XXXX for the unscheduled svc for the XXXX XXXX. The XXXX # XXXX was to be done in XXXX parts, in which my insurance ( XXXX ) was used to cover the cost. However, due to the exorbitant billing and being prescribed a medication that I XXXX ... I decided not to allow The XXXX XXXX XXXX do any further work. 

I called my insurance to let them know that I was going to select a new XXXX, to complete the work, they informed me that XXXX XXXX XXXX XXXX submitted a claim for a completed svc even though they had not finished the retreat svc and was paid fully which left me with no benefits to see another dentist. My insurance Co. requested a refund for {$560.00} from XXXX XXXX XXXX for and incomplete svc XXXX. 

I never received and invoice from the XXXX XXXX XXXX for any svc. All I was given was an estimate sheet and a receipt for the {$2100.00}, with no detail of what the deposit was for. 

I then requested the {$2100.00} deposit to be refunded from XXXX XXXX XXXX XXXX, to no avail. So, on XX/XX/2016, Wells Fargo reversed XXXX XXXX. 
On XXXX/XXXX/16, I visited XXXX XXXX XXXX XXXX and had a XXXX finished, prepped and fitted for XXXX. On XXXX/XXXX/16, XXXX XXXX installed XXXX XXXX, XXXX XXXX and the other XXXX XXXX. 

Later that day on XXXX/XXXX/16, Wells Fargo re-reversed the funds and debited the {$2100.00} from my acct. Which now has my acct negative {$1600.00} Once I contacted the claims dept. of Wells Fargo, I was told that the merchant ( falsely ) submitted a document stating XXXX svc for XXXX XXXX. 

I am a loyal customer of Wells Fargo. In this situation, Wells Fargo did not honor its customer 's word, neither did they reciprocate the loyalty. I have submitted all pertinent documents to support my position and still Wells Fargo is waiting to hear from the other party on a false claim.
An account closed by credit grantor is still showing on my equifax report even though it was closed on XX/XX/2011.This is a fair credit reporting act violation. It is older than seven years. I have tried calling, but I keep getting the run around.
I want to change my due date without renewing my loan and starting over. This company refuses to change the due date and they are charging me a late fee every month. Their refusal to change the due date makes me think it is to force someone to renew and or charge late fees illegally to the customer. I have asked every month for the past 4-6 months and they blatantly say they can not change it unless I renew which defeats the purpose of trying to pay a loan off. Every month they harrass me about paying I have asked and begged them to change the due date they constantly refuse. They send me massive amounts of mail about payment but will not change the due date. I also contact corporate office to complain about their local branch they never contacted me back. Please help me in this matter. I am so frustrated with this company I just want to pay my bill each month on time and at the end of the month. So I can never have to deal with them again. They constantly harass me every month asking me when I will pay I advised them each time to please change the due date. They refuse to change the due date unless i renew I refuse to continue to do business with them. I just want to pay each to get to my pay off. PLEASE HELP ME GET THEM TO STOP HARRASSING ME AND CHANGE MY DUE DATE
The late fees on my Santander account are not accurate and they should be removed off my account and credit bureaus.
someone opened this account fraudulently my identity was stolen and yet this account has been reported to the credit bureaus and people have tried to collect on it .... i have filed a police report and an identity theft affidavit from the ftc ... this needs to be removed from your records and deleted from all reporting agencies that you have reported it too.
XXXX XXXX denied me of myg missing objects n claims knowing I'm going identity thief I never received any big the items I order
My auto loan was purchased from First Niagara by Key Bank in XXXX. I have been making my payments online since XXXX with no issue before this purchase. On XXXX XXXX, posted on XXXX XXXX, I made a payment of {$360.00}, well above the normal {$330.00}, for the XXXX XXXX payment. This payment somehow was not recorded correctly as a normal payment, but XXXX that went directly to the balance. I called on XXXX XXXX to have this issue corrected. I was told that an adjustment would be made in 5 business days and thank me for the payment. 

On XXXX XXXX I get a statement where I owe {$680.00} which includes a late fee. The phone system does not recognize my payment in XXXX, but the website does. I again called customer service to have this issue fixed, which I was told they will immediately. As a good faith measure, I made another payment of {$310.00} for the XXXX XXXX payment. 

On XXXX XXXX at XXXX, I get a phone call from collections stating I never made a payment since XXXX, that I was delinquent by over 20 days, and they threatened to take my car and destroy my credit score. Obviously I was rather upset. I gave him all the information and associated emails FROM Keybank recording my payment. They said they noted it but I need to make a payment. 

I again called Key Bank customer service in the afternoon and asked for a Supervisor. After waiting an hour, I got XXXX. I explained to her the situation. She informed me that On Line Payments, the same system we were told to use when Keybank bought First Niagara, did not take normal payments. THIS WAS NEVER TOLD TO ME AT ALL! I told XXXX that I made a payment online on XXXX XXXX and I need to have this adjusted like the payment in XXXX. I told her, if you look at my account history, you 'll see I have made a payment on time or early for the entire life of the loan. I wanted documentation that this issue is their fault and that they are fixing it. They would not do so. I instead got XXXX direct number. 

At this point I feel helpless. I am getting punished for making an EARLY payment and worst yet, the only way I can make a normal payment is by sending it by mail as their online banking is n't capable of accepting the payment. What is this? XXXX? What bank in XXXX not except online payments!? 

I informed them that if this issue is not corrected by XXXX, I will contact a lawyer.
I am XXXX and have always paid off every loan I have received. All except the one I have with XXXX XXXX / Navient. I plan to provide information and patterns that show that this company is predatory and misleading in its actions. One question embodies this accusation. Why at the age of XXXX do I still owe the majority of my balance? My account history shows reflections of how I was lead into debt even further. No logical human would ever go down this road. 

This company has made payment information so unclear and unobtainable that it has steered me toward multiple misleading forbearances. I would like to be reimbursed for these dates where they effectively manipulated me and which shows up on my account history. 

I plan to provide all necessary information to all agencies that are filing lawsuits against this company and doing so myself. In the end, I want to repay my loan. I may have already fulfilled that loan repayment. I am not looking to turn away from this responsibility and can provide a flawless history of repayment to others. You may look into this yourself. I am now requesting that they settle on a reasonable plan to pay this off immediately.

I must come to an agreement with them. Not one that benefits Navient but one that ends this abuse.
On or aboutXX/XX/XXXX I have obtain a loan from Sunset Finance located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX  their corporate office is located at XXXX XXXX XXXX XXXX XXXX SC XXXX. I was trying to pay off my loan on XX/XX/XXXX. Although i borrowed {$580.00} after merely four weeks I was told that I have to pay {$300.00} extra. I repeatedly asked them to break down the {$300.00} charge on {$580.00} for four weeks, i failed to get any satisfactory answer for their local office later I contacted their Corporate office still did not get a clear ide for {$300.00} charge on {$580.00} for four weeks. It appears that they have sold me some insurance that i did not want or added some fees I am not aware of.
One the customer service representative lied and stated that I was current on my payment in which I was n't which caused me to be a week begind. Two, they contact me repeatedly even after I tell them when I 'm going to make a payment.
I am unable to find a link where I can dispute an ongoing case and thus do n't want to lose my ability to turn in documents that would support my dispute of actions that the bank, the object of my complaint, purportedly undertook. My case number is XXXX. My name is XXXX XXXX. My email is XXXXXXXXXXXX
I spoke with representative XXXX at Wells Fargo on XX/XX/19. Explained I was out of town and when I got back noticed that the banker who I spoke with closed my personal account with out my okay where my auto debits to pay my credit cards were coming out of including this one. She stated she would take the payment and dispute the incorrect error on wells Fargo part because they had been hanging on to my mail as well. I paid the XXXX with no problem as I knew it was owed and paid late fees but they agreed to fix the pass due on my credit
We honestly believe that Wells Fargo Bank is deliberately blocking the sale of our home which has been approved for short sale since XXXX XXXX, 2017. Our realtor, ( XXXX XXXX, XXXX in XXXX, XXXX. ) has received two qualified buyers but Wells Fargo delays and delays until both buyers backed out. We lost the last buyer this week. We believe that Wells Fargo would rather run us through a foreclosure or try to force us to pay the back owed payments to make us keep the house. My husband XXXX XXXX  had to retire for health reasons and we have moved to XXXX and bought another home. Our problem is that Wells Fargo keeps running us around and around doing the same paper work over and over and over. Then they insist something is missing and that they can not move forward until more paper work is done. Also they keep changing the person responsible for our account ; the last person assigned was XXXX XXXX at XXXX ext.XXXX who, like all the others has done nothing but delay. We need help. Any assistance would be greatly appreciated. We have done everything Wells Fargo asked us to do. They approved us for short sale and we can not get them to act in a timely manner. Your help would be greatly appreciated. The address of our old house is XXXX XXXX XXXX, XXXX, XXXX XXXX. Our current address is XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX. XXXX. Please call us at XXXX for more information.
Thank you, XXXX XXXX
I am requesting that Experian immediately update and correct the address listed on the Experian Credit File to read : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to correctly identify me in their system.
I 'm a Navient customer. I submitted a request to defer my loan because I have a student in school. I waited for about 60 days and never received a response from them. I contacted them and was told they thought I was applying for a deferment for a different loan, although they have different numbers. I was told that I do n't qualify for deferment but I can request a forbearance. I told them I was n't interested in that and I would call if I need it. They sent me the form in the mail anyway.
I filed Chapter  XXXX   XXXX . XXXX , 2010. At the time I filed Chapter  XXXX  I was due for  XXXX  2010-   XXXX   2010@ XXXX . I paid   XXXX   to the   XXXX   different mortgage company. Chase proof of claim was incorrect. The fees that chase stated that I owe was included in a   XXXX   2010 loan modification. After the 2010 loan modification chase did n't do any of the things on the schedule A. All those things was done prior to the 2010 loan modification. I only owe   XXXX  . I enclose the Schedule A that was include for chase proof of claim.
XX/XX/XXXX  I get a call from family saying someone has been calling them threatening to bring a lawsuit against me and put liens on all my property but refused to give them anymore details but left a phone number. I get home today and call  American mediation  with this phone number (  XXXX  ) I received from my family.   I talked to someone there who said his name fast and did not want to repeat it. I asked what debt they were trying to sue me for and he claims its a   XXXX   XXXX   account. I told them I had not had an account with them in years and that must be statue of limitations. He lies and claims it was  XXXX . I asked him his name so my lawyer could be contacted he refused and said he would see me in court. I called   XXXX   XXXX   and they confirmed it was past statute of limitations. This company is obviously out to defraud seniors and anyone else they can.
On XXXX-16 after being presented with a notice of default by OCWEN LOAN SERVICING, LLC I sent a Qualified Written Request for information, including but not limited to the true owner of the mortgage and note. This notice was signed for by OCWEN and completely ignored and now the foreclosure proceedings are in progress. 

Secondly, in a previous foreclosure attempt OCWEN LOAN SERVICING, LLC sent to me a notice indicating that my home was scheduled for a foreclosure sale, while there was no sale authorized or scheduled by the court in SC. After several written requests to verify this with OCWEN, they indicated in a letter that it was factual, my home was scheduled for sale and they would provide further details in a separate letter. This never happened. I sold most of my furniture and was left in a panic, only to find out that the case was dismissed by the SC court for lack of standing by the plaintiff.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
I am disturbed that TransUnion continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Trans Union have no right to maintain information which the government has deemed nonexistent.