WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Ocwen Loan Servicing LLC XXXX XXXX regarding the need for a payment program due to just graduating and seeking gainful employment. As a result, I was provided with a program and was advised by the specialist that as long as I paid the payment amount by the XXXX of every month I would not be considered late. Furthermore, my payment would reflect as current on my credit report with all three credit reporting agencies. I began making payments ranging from the XXXX to the XXXX of each month. Unfortunately, I did not discover until several months later that my payments for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX were reported as late on my credit report. I called and spoke to several specialists starting in XXXX XXXX and was continuously assured that as long as I made a payment by the XXXX I would not be considered late and it would not negatively report on my credit report. Furthermore, I was advised that the aforementioned reported late payments would be corrected to reflect that I paid on time. I completed the payment program in XXXX of XXXX and my mortgage account has been up-to-date ever since. Unfortunately, to no avail has my credit report from XXXX, XXXX or XXXX been corrected by Ocwen Loan Servicing LLC to reflect XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX as being paid on time. I would greatly appreciate assistance with having this issue corrected. I have the names of the specialists I spoke to and the dates that are available upon request.
I OWED XXXX XXXX {$140.00} I PAID {$150.00} TO THEM ON XX/XX/2018 WHICH WAS THE FINAL PAYMENT. THEY CLAIM I DID NOT PAY AND WAS TO DATE OWING. I HAVE SENT PROOF OF PAYMENT 3 TIMES TO EXPERIAN AND XXXX TO THEIR TX ADDRESS. I HAVE SENT COPIES OF MY BANK STATEMENTS SHOWING PAYMENTS THEM. THEY STILL CLAIM I DID NOT PAY AND IT IS NOW 6 MONTHS LATER. I HAVE ASKED THEM WHAT THEY DID TO THE PAYMENT I SENT IN XXXX WITH NO RESPONSE FROM THEM. THEY HAVE CAUSED MY GOOD CREDIT SCORE TO FALL DRASTICALLY.
I enter into a payment plan but it was impossible to pay thru there website as i was leaving out of the country and there was no other way to contact them or send payments.
XXXX is reporting 4 BK accounts that were dismissed and filed in error. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
I have had several issues with wells fargo bank from taking credits back before i.was informed per their.own.disclosure time as well.as customer service reps being.rude and hostile.on.the phone. Today i had yet another issue with being charged a XXXX dollar overdraft fee when i had previously called and spoke.witha. rep that told me i would have no overdraft fees accessed to.my.account because i had free overdraft protection. I called into customer service and spoke.with a very rude nasty disrespectful representative who put.my.on.hold.in.the middle.of.me talking because i asked.to.speak.with a supervisor. At this point i will pay the fee and close this account for.good once my deposits are finiahed tomorrow. This.is.the most unlawful, unethical.bank i have EVER had to.deal.with. i.would like this to.serve as a formal compalint and it.to.be fully.investigated as this bank.keeps.practicing fraud and poor customer service as well as unwarranted fee charging. There is.no.way i am willing.to.accept a XXXX dollar fee for.transferring XXXX dollars of my.own.money especially when.i was told that i did.not.have any fees at all.associated with my account. Then when.i.brought up what the previous rep.told me the current ladybi.spoke.with today began.to argue pretty.much that i had asked rhe wrong.question and got the wrong.answer without even.knowing.what the other.rep.told.me despite me requesting the previous conversation be reviewed. The most barbaric, unlawful, unethical banking institute ive ever had. Will be closing my.accounts tomorrow as well as moving family accounts from.wells.fargo.as well. Ridiculous!
Equifax responded to my complaint regarding XXXX XXXX on my Credit Report. I never applied for anything, verbally or in writing. All I wanted to know was how much XXXX charged for services per month. I never applied for a service. They lie and say I applied. I never did. They told me I could n't know prices unless I signed paperwork. Liars.
On XX/XX/XXXX my son went to CVS to wire {$250.00} to me. He went to the Kiosk machine and put the correct information where the money was going, my full name city and state. He then put his information. He was then instructed by the machine to go ahead to the cashier. Upon going to the cashier telling her what he was doing, she then called him by name and asked for his identification and funds, he gave her both, she then gave him a receipt, he left contacted me with the reference number, however I did n't go that day I went on the XX/XX/XXXX which is when I found out the money was n't there. I called my son and told him to go back to CVS he did, the cashier was n't at work he asked for the supervisor all while I 'm on the phone and explained what happened. The supervisor said it 's nothing he can do. So I called CVS on XX/XX/XXXX found out the supervisor name and the cashier name and explained it to the supervisor. He then told me she had been suspended for her mistake and that if it was $ 10- {$20.00} he would 've just written her up, but that a {$250.00} mistake was unacceptable, but that he nor CVS can refund me my money because they are a third party and that I 'd have to contact Money gram. He notice the mistake and admitted the cashier was wrong. And that somehow a another customer was in there earlier sending a money gram and that the cashier pulled his information. This customer lives in the same city, state and have the same zip code and the same first name as my son and lives about a mile away from us. My money was sent to XXXX. I contacted Moneygram and was given the run around for days, then was given almost 10 different numbers and people to contact at no prevail. Please help me it 's been a year. I 'm hurt and devastated about how this company has treated me so unfairly.
Rush cards terms & conditions state that " # XXXX the combined total of combined transaction fees is limited to {$10.00} per calendar month '' I have been charged way more than {$10.00} in combined charges in a month. Also, they have broken their own policy rules that no ACH payments to bills ect can be executed. They have allowed ACH payments to process without my authorization or knowledge. 

Also, when I activated my card, I supplied a promo code that would credit my account an instant {$20.00}. I have not yet received that and keep getting denied when I call to request that be processed.
My brand new car was totaled back in XXXX. I received a statement, after my insurance made a pay out and additional money was released to Ally financial because I had an extended warranty on the car. There was a remaining balance of XXXX and some dollars because I was not aware of the need for gap insurance at the time I purchased the car. The statement they sent said that the next payment that was due was for XXXX XXXX, 2018 in the amount of XXXX. The next thing that I received from them, was a letter threatening to take action against me and my co-signers credit because they claimed I owe them a {$360.00} payment that they said was then 2 days past due. I spoke with numerous people trying to get answers and resolve this issue and got disconnected from them several times when I asked to speak with supervisors. I was told to " disregard '' the statement I had received and that the letter threatening my credit is what I should pay in full. When I ask why that statement was sent if I was to just disregard it, no-one answers me, or I get spoke over and redirected to make the payment, and reminded of the threat to my credit for not making the payment.
XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 - XX/XX/2017
I tried to add money to my account at transferwise.com ( created through the US part of the company ). I tried to add XXXX ( XXXX kroner ), and their website clearly states that the money " should arrive in 4 minutes. ", with no " but '' or " estimated time, may very '' or other similar qualifications. The money was to be added from my bank account in XXXX. ( I am a citizen of XXXX but have studied and worked in the US, and I made the transferwise account while in the US ). 

I used the " trustly '' option to add money to my account. ( trustly is the external service provider that transferwise uses to transfer the money ). 

I transferred the money on XX/XX/XXXX, and after making the transfer - the money having been drawn from my bank account in XXXX - I am told that the money will actually not be available until XX/XX/XXXX. 6 days, not 4 minutes!!!!!! I have contacted the company 's customer service and asked them to do something multiple times, e.g. provide me a temporary credit / access to the funds before the arrive on the XXXX, but they have repeatedly declined this. They are telling me that the transfer will be slower than promised as a result of banking holidays, something that transferwise 's website did not inform me of. 

During my interaction with the customer service they repeatedly said that the money has been transferred to trustly and that they can not do anything as the money is now in the hands of trustly. I have not made any agreement with trustly, only with transferwise.com, so I do not see how it supposed to be my responsibility that trustly does not deliver the money as promised when it is transferwise that has promised me a delivery time of 4 minutes. If transferwise uses a third party to handle the service, and the service is not up to standard, then it is not fair ( and probably illegal ) for me to suffer as a result. 

What fraud! I am very angry. It is misleading.
I was recently assigned a phone number on a new line of service. 
This line is receiving more then 6 calls per 24 hour period, including calls outside of reasonable hours. All calls are from the same incoming telephone number. 
I have called the collector back and advised that this is a newly assigned telephone number, and I am not the person they are attempting to reach. 
The company refused to identify what company they are, and has continued to call after my request that they discontinue and are reaching the wrong person.
I am getting a home loan and it is necessary that Equifax, XXXX ALL DELETE ANY AND ALL DISPUTES FROM MY CREDIT PROFILE. I HAVE ASKED THEM TO REMOVE ALL DISPUTES BY LETTER AND BY TELEPHONE AND THE DISPUTES AND DISPUTE COMMENTS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS PREVENTING MY MORTGAGE COMPANY FROM CLOSING ON MY HOME LOAN. PLEASE SEE DISPUTES HIGHLIGHTED IN THE ATTACHEMENT. I NEED ALL DISPUTES AND COMMENTS REGARDING DISPUTES REMOVED.
XX/XX/XXXX is the most recent date I spoke to a manager explaining my reasons and explaining how I will pay my car in full before XXXX ends because I am getting my tax returns. She acknowledged and explained how she will stop the company from harassing me any further and that my car would be ok. Then out of nowhere the next night my car gets towed. Listen read the reviews about this company. They shouldn't even be in business. Even if I have a date to make a payment they call me several times a day they even go as far as to disguise their business number to look like a number here in my area and they're in California I am in Florida. I will tell you I made payments every month. Right now i am the only one working i told them that i will be making payments but it will be between 100 and 150 because right now i am paying all my bills since my wife left her job to take care of our XXXX  baby girl. But they insist of throwing it in my face how " this is a business and we need our money '' in fact they sit here and argue with me. Rather than being a patient quiet customer service rep they actually talk back and be smart XXXX about it and argue with you as if they're the customer. And now I am without my car and I cant go to my job because its across the bridge and the city bus doesnt travel that way. Now I will have to get another job on my side of town and that leaves me and my wife without work with XXXX children and one being XXXX. This finance company is straight from hell they dont care about anything. They dont care to be patient stop and listen they dont care about peoples situations nothing. I even called them today XX/XX/XXXX many many time I even called the manager lady that assured me things will be ok and no one answered. I called the dude back that was suppose to have my paper work and he never answered the phone. I got put on hold 5 minutes and more I got transferred a dosing times I left messages and nothing. And I have a time limit before my car gets put up for auction. I hate that company along with everyone else who has left reviews describing how awful they are. That companies name is XXXX XXXX XXXX XXXX XXXX XXXX in California. They suck. I hope this company shuts down. Its terrible
These inquiries is on my credit report and I need them all deleted from all three Credit Bureau, I never authorized these hard inquiries XXXX XXXX- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX -- -XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- -XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ) XXXX XXXX XXXX   -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- -XX/XX/XXXX
i dont want to make a complaint. i dont want any scripts. I am questioning the dispute process with capital one and also want to ensure that unlike in the past this time its handled properly On my card ending XXXX i am disputing the car rental chrges from XXXX due to problems. XXXX XXXX XXXX no one wants to refund me after i was deceived and lied to about deposits and after they tried to scam me with saying i did not fill car up with gas when i did. I got that back but went through a lot so i want to know why i dont have a PERMANENT credit by now its been 6 weeks credit of XXXX dollars PERMANENT XXXX would have answered by now. Also i want to make sure that its CLEAR i did get the service so if they produce receipt that should NOT be the end of it. I got the service but had many problems. BAd car, over charged lied to about deposit for car. XXXX XXXX XXXX XXXX and XXXX enjoy HORRIBLE reviews and reviews of scamming history. please credit me permanently asap and take it from them IT has been long enough. Most banks would have credited it by now. I cant use the cards until this is done. please no scripts or telling me i have called CS or telling me it has not been long enough it has. please credit me for all i have endured PERMANENTLY from XXXX. who told me to call XXXX XXXX XXXX  for refund and vice versa someone care about my time and well being.
On XX/XX/XXXX XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX XXXX and Transunion
I have been trying to use my VA home loan since XX/XX/XXXX and Experian has been holding me back for months now by not reporting any credit information. The other XXXX credit bureaus are reporting everything I have done for years now. My first call with Experian I get told that my residence which is a XXXX bedroom rental house is labeled as a Stone fabrication ware house and that is most likely why nothing has been reporting. They also have all of my other addresses I have lived at on file so that does n't make sense why nothing has been reported for the past years? They tell me there is a form we can fill out that will " fix '' this problem. Two months have passed since we supposedly filed this form and I still have nothing reporting for Experian and this residence as a ware house label is still on my credit report. I call again and they tell me that it is not their problem and there must be something wrong with all of my credit cards not reporting and to call them. Well, they are reporting to the other XXXX bureaus so what is the problem? XXXX of the XXXX credit cards I have tell me they have been reporting to Experian for years and it is on Experian why nothing has been reported. My other credit card tells me they have an old address on file and that we can update the address which will hopefully start reporting to Experian, and still nothing is reporting. ( the old address is XXXX of my old addresses on file for Experian as well. So I am not sure why it was not reported even if it was my address before? ) Even my credit consultant does not know how to help me and has not seen anything like this before. So I have been waiting for months now for them to report or actually help and it seems like they never will. Its is always someone else 's problem and someone else needs to fix it, but why ca n't they? What can I do to fix this or maybe bypass this to continue my loan?
I was involved in a accident which wasn't my fought. The Insurance company was responsibe for 100 % of the payment. I shouldnt have any dept on this particular account.
To my knowledge, I was never late on my XXXX student loan with account number XXXX**** ( Opened XX/XX/XXXX ), 7XXXX**** ( Opened XX/XX/XXXX ), XXXX**** ( Opened XX/XX/XXXX ), XXXX ( Opened XX/XX/XXXX ), XXXX**** ( Opened XX/XX/XXXX ). But I realized that I was reported as being 120 days past due in XX/XX/XXXX and 150 days past due in XX/XX/XXXX which is not true because I was supposed to be in deferment but then I got current right away. And then I was reported as being 90 days past due in XX/XX/XXXX when I had already processed my paperwork to consolidate my student loans which was finalized on XX/XX/XXXX. 

I have had student loans since XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
on XXXX XXXX an inquiry was done and I did not request an inquiry by said company. per the credit reporting agency I was told to contact the company which I did when I found inquiry was on my report. I faxed a letter to request deletion of inquiry which they responded with inquiry would be deleted by credit bureau. I then reached out to credit bureau and requested to have inquiry removed and offered to fax in and they told me there was no need to fax in document but it would be removed and inquiry is still showing on my report. I would like my report to be updated with removal. The inquiry is showing up on my XXXX report. I also contacted Transunion concerning a inquiry for XXXX XXXX that was not mine and requested to have removed due to its not mine and its about to fall off in XXXX, I contacted company as well which stated since I was not aware they could not give me a letter as the other creditor had. they told me to contact the credit agency. the XXXX XXXX inquiry is  due to fall off XXXX/XXXX/XXXX. alsXXXX XXXX XXXX is showing twice and should only be showing once. I requested for that to be corrected and was told that was not able to be corrected. I only applied for credit with company and the XXXX  inquiry is not correct
I have received several " robo calls '' from a company calling itself Dynamic Recovery Solutions, a debt collection agency. The calls come from various numbers. In his vague recorded messages, the caller asks me to call him about " important matters. '' I have not called him back, as I have no outstanding debt and it seems clear this is a scam. I do n't want to provide any more personal information than they already appear to have. The XXXX of complaints about Dynamic Recovery Solutions on the Internet also indicate that this is a scam. They have called me several times, and it appears harassment is their business. Can you please make these XXXX stop bothering people? Thanks.
I had a dispute with XXXX for {$99.00}. When I closed my account in XX/XX/XXXX, there was a balance of XXXX XXXX points, worth {$200.00}. My final bill was {$99.00}. XXXX blocked my online account access and failed to respond to inquiries about using the {$200.00} in rewards I had earned toward my balance. Instead of attempting to contact me directly in regard to my dispute, XXXX referred me to a collection agency for {$99.00}. Despite the fact XXXX should have owed me {$100.00}, I paid XXXX XXXX {$99.00} to have the account removed from collections. XXXX never responded to my initial dispute, did not honor my reward earnings, and referred my account to a collection agency without notifying me. 

XXXX ( {$99.00} charge ) briefly appeared on my XXXX credit file, but was removed. However, XXXX is still listed as an adverse account on my Transunion credit report. I have submitted multiple disputes with Tranusnion beginning in XX/XX/XXXX. Transunion informed me that despite that fact that I have documentation stating the account was paid in full from XXXX, the item can not be removed from my credit file. The XXXX account was never adverse, nor should it have been sent to collections. I have disputed the issue with both XXXX and Transunion from the onset.
My account was closed because the business i set up was under a XXXX " XXXX XXXX XXXX XXXX " which does not matched my name. I opened the account with my first two check that i got. I was already advertising and working with my XXXX. I opened my account at my local wells fargo bank. with no hesitation they took my money and deposited. other to say that very conviniatly for the back the teller that opened up my account summited my social security and i tin number incorrectly. two week later i got a latter in the mail stating that my account had been closed XXXX XXXX 2014. since then I 've been calling for three years non stop to get my funds back i have talked to many representatives and have given them XXXX certificate a copy of my drivers license, rent with my business name. i still have no luck. i will take all matters into consideration because is a form of theft.
i noticed on my credit report XXXX XXXXXXXX XXXX account number XXXX was incomplete and inaccurate. i disputhed this account and it remains on my report. i now have proof that the fair and thorough independent investigation was never carried out by all parties involved that being Equifax XXXX and XXXX. first off Equifax doesnt even have an account number listed for this account which is incomplete and the contact info is different on each report. and the open date is incomplete.The date of first delinquency is also wrong Equifax has it listed as XX/XX/2016 when it clearly shows that date to be paid on time. How was this information passed up/ looked over? proof that they did not investigate. i am requesting proof of investigation and this account must be deleted for being in violation of the FCRA. Proof is attached in Documents.
I disputed the XXXX XXXX XXXX account on my credit as it should be marked " included in bankruptcy '' Equifax as well as XXXX XXXX XXXX claim they investigated and that the information reported is accurate. This is blatantly false. I filed Chapter XXXX on XX/XX/2018,  which shows in my public records section. 

They also added a random address on there that is MORE than SIX years old from XXXX XXXX. I want that removed from my credit file.