WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage bank dose not report every home loan payment I made. I have made 7 payments and they only reported 3 payments.
i called bank of america XX/XX/2017 to make a phone payment on our credit card i was forwarded to a representative who asked me verification questions about my daughter-in-law i stopped him and told him i found that very intrusive and asked to speak to a supervisor 10 min later im still waitng is this for real i find it scary NOT HAPPY still waiting for rep
I attempted to get a refund from Equifax, and they are refusing. I have been attempting to get a resolution with them since the announcement of the security breach, but have had no success, and have been assessed additional fees as this process drags out.
I have attempted to reach out to the company degrading this alledged debt. I specifically request red proof this debt is infacr mine. I was sent the documents attached. I am now demanding this debt bone removed from all major credit bureaus immediately.
In the year of 2013, I recieved a discover card. A car was rented on this card and it exceeded the balance of the card which was XXXX. I gave no consent to allow this charge and yet I was charged with it. Now on my credit report it states that I went over my limit 150 %. I am disputing the charges with the rental car company. I feel that discover hurt me more than helping. Someone help me. Discover also said that evn if i paid the balance in ful that it would not be removed from my credit report. I dont know what to do but I do know that this is illegal. I have contacted the XXXX as well. Thank you for any help you can provide.
Transunion reinserTed an account on my credit file by portfolio recovery services thay has been deleted from my credit report. The original creditor was XXXX XXXX XXXX in which was reported by XXXX recovery services, this account was deleted from myncredit.file in 2015.
I have a home mortgage with Wells Fargo Home Mortgage ( I did not apply for a mortgage with Wells Fargo, they acquired it ). I am paying bi-weekly with additional principle added to each payment in an attempt to pay my mortgage down as much as possible before I retire in approximately 13 years. Recently ( last 6 months ) Wells Fargo has let this additional money accumulate in an " Unapplied Funds Balance '' and does not apply it to my loan balance. In XXXX I called and complained when the Unapplied Funds Balance had reached {$3500.00} ( enough for XXXX full payments ), and they finally applied the funds. Now on my XXXX statement the Unapplied Funds Balance has reached {$2600.00} ( XXXX payments ). I believe this additional money should be applied to my principle and is costing me interest charges. 

I also believe this action by Wells Fargo is intentional as a result of a previous home mortgage that they held ( acquired ) on a previous house of mine that resulted in foreclosure because we were {$80000.00} underwater on the house value after the 2008 crash and my wife 's XXXX diagnosis which resulted in her going on XXXX. We are currently in Chapter XXXX Bankruptcy as a result of this foreclosure.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX/XXXX/XXXX Capital One Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Credit Card # XXXX Dear Capital One, I am writing to you today regarding my credit card account # XXXX which I had since XX/XX/XXXX. The purpose of my correspondence is to see if you would be willing to make a " GOODWILL ADJUSTMENT '' on the reporting of this account to the XXXX major credit agencies I requested several times by mail general correspondence date on XXXX/XX/XX/XXXX/XXXX XX/XX/XXXX and XX/XX/XXXX ( letters attached ) and Consumer Financial Protection Bureau on XX/XX/XXXX and XX/XX/XXXX ( letters attached ) But all the times my request has been denied. I have a XXXX active accounts good standing, Accounts numbers are XXXX and XXXX. 
During the time period this account was established I had was very happy with the service. I am writing to requests again and again please help me out to removed late payment on XX/XX/XXXX. 
I really enjoy business with your company and hope to continue a satisfying in the future. Please make in to consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from soon Sincerely XXXX XXXX XXXX
I am the co-signer on my daughter 's private student loan. She obtained a XXXX XXXX XXXX XXXX degree in XX/XX/2014. She obtained a wonderful job approximately two months later with a well-known international company. She travels around the world doing XXXXXXXX XXXX XXXX XXXX XXXX XXXX.

It is nearly impossible for her to make her private student payments on time ( in addition to her federal loan payments ) due to her pay schedules and the exorbitant amount of the loan payments. Her payments on this loan alone well exceed her rent payment, she owes more than she borrowed even after three years of payments, and we have just learned that she has only been paying the interest ( at 8.73 % )! Soon, LendKey will begin tacking on principal, tool.

Worse, LendKey 's website never seems to accept payments correctly, resulting in missed/late payments and nasty penalties and credit problems. She has no choice but to call LendKey representatives in person at the end of each month to make payments manually. The company has been promising to fix their horrible site for many months now and yet nothing has been done. 
This student loan scam is a crime. How is this not illegal? These loans seem designed never to be repaid and to keep the former student in debt forever. How can today 's young professionals expected to buy a car or a house when they have no money left over each month to even buy food? This is a terrible, corrupt system.
My payday loan was for {$600.00}. However repaying of this {$600.00} cost a total of {$2500.00} including the repayment of the principal amount. I was not fully aware of the extremely high interest. I thought I could repay the loan off early, however Big Picture Loans does not make the process of repaying your loan off early easy. It is very difficult as they only offer a repayment every 2 week cycle which allows them to earn more interest. I would not do business with them again or recommend them to anyone. Repayment fees are at an unbelievable level
Around X/X/17 I called XXXX about my Bankruptcy is not reporting correctly as dismissed and not discharged. I asked for a verification based on FCRA and information as to who, date of person call was made to do I could re verify this information as accurate. They have failed to complete requested dispute and verified information as requested within a 30 day time frame. They responded stating information on the Bankruptcy has been updated but it still show as discharged.
This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.
I was sent a summons from the law office. I answered the summons XXXX/XXXX/2014 with the county clerks office in my area. the law office stated I never answered the summons and had a judgement won against me.I had the judgement appealed because I did answer the judgement. 

This debt is not a federally backed/guaranteed loan. It is being reported to the credit bureaus beyond 7 years. Also it is beyond NY statute of limitations ( 6 years ) to collect a debt. I Have never made a single payment to this debt in its history. 

( A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more thanseven years old, or bankruptcies that are more than 10 years old.
macys/dsnb according to XXXX is still reporting 60 and 90 day late pays i have a letter from macys stating it was all taken care of but XXXX is blaiming macys/dsnb will enclose copys for you want the 60 and 90 day late payments off of my credit report
I contacted TransUnion about an inquiry on my credit report around XX/XX/2017. The inquire wasn't authorized by me and should of been removed. It wasn't removed by Transunion due to them telling me it has been verified. I contact the company which was XXXX XXXX and get a letter stating the item wasnt authorized and will be removed from all credit reports. They sent me letter in mail stating that it will be removed. I contact transunion and i faxed and mailed in proof in writing and transunion still refuse to remove it from report at this time. I have been having proof since XX/XX/2017 and they still haven't took the proper actions with removing it from my reports.
I am set up on a rate reduction plan where XXXXNavient auto drafts their payment from my checking account. The payment amount is XXXX from my account is. For the last statement that I received, there 's a late payment charge on there. I 've never been late on an auto draft .... I am under the suspicion that they are trying to sneak in fees to further inflate what I owe. Also, my billing statements do n't seem to add up. Online it shows no more than XXXX or so but I 'm being drafted for about 4 times as much. I understand that paying more will help pay this down but I am already struggling to make these types of payments with my wage. 

They started me on this program last year and it seemed to take a while to kick in. When I called to ask, they gave me some crazy excuse of the payment not going through and tried to make me pay a higher price because " I was late ''. I checked with my bank and all of my money had been there the whole time. I would really like you guys to pull the recordings from last year. I believe they were looking for a way so that I could n't pay the {$550.00} each month but more instead. Their sneaky antics seem fraudulent to me and I 'm not happy to be dealing with this predatory lending experience. 

Also few years ago XXXX XXXX has called my co signers repeatedly even after issues were resolved.
I have a loan with Chase Auto. Since XXXX they have been taking automatic/pre-authorized payments. I received a XXXX letter stating that Chase was going to repo my XXXX XXXX since I missed two payments. I called them thinking they just made a mistake. I was informed that they had a malfunction concerning automatic payments. They demanded {$1000.00} plus for two missed payments. I had no clue as well as I did not have the two payments in my bank. I asked them to place the two payments at the backside of the loan and I would make extra payments like I did when I stated Auto Payments. They refused to do so. I received a Credit Report and found out that Chase was charging me {$15.00} for late payments and reporting it to Credit Companies. I called them and asked once again why they are acting like I did something wrong. They said until I pay off the missed payments I would be reported as missed payments. I have been making extra {$100.00} payments to get the loan paid. How does a place as big as Chase miss taking payments and then threaten to take my car that I made payments for three years and ruined my credit that I was charged 24 % on a loan and refused a line of credit from my bank because of Chase making a error. I have sent letter to Chase and they have not given me any way to resolve the problem. Please help me fix this issue.
I went into a Wells Fargo in XXXX, Colorado to cash my WF-issued payroll check. They proceeded to open XXXX accounts under my name, which have accrued charges and fees. I have requested the accounts to be closed with no success
XXXX XXXX # XXXXI have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
New Jersey Higher Education Student Assistance Authority XXXX XXXX XXXX XXXX XXXX is stating I am liable for a student loan that isn't mine XXXX, and they in violation Section 2A:14-1 Which they can not legally collect on a debt past 6 years. The loan was issued in XXXX and its now XXXX. They keep harassing me for payment. I want this loan discharged.
have pending foreclosure in court for XXXX years due to false presumption of servicer XXXX to breach HAMP gov program to which i have been qualified in first place. After denial I have served TILA resscision notice on base of numerous TILA RESPA violations in original contract. 
After all there is XXXX servicer pretending to have right to resided contract and keep accruing fees and payments which make my mortgage absolutely not fordable and in fact I have been defrauded of opportunity to keep my property on HAMP gov program.
Hello, I am a single mother that was hosting a XXXX for my daughter on XXXX/XXXX/2015. It was XXXX. and I left my credit card for authorization with my daughter. After running my card the charge was denied without even the courtesy of a phone call to me. I called tonight to discuss and was told that US Bank has XXXX or so customers, and that they did not have an obligation to call me and that my account was flagged because several merchants I had used had fraud associated with their billing.. they would not give me a list of who I was using as a merchant that had issues, and referred me to a website list I could refer to. 
As a consumer and as a customer of a bank who denied access to my funds, I expect at the very least # 1 a phone call letting me know the issue-since I had no time to rectify and pay for food delivered to a party # 2 a list of the merchants that they flagged, and had an issue, so I could address directly with the merchant. 
They only suggested providing me with a list that I could scan to come up with what may be a match ... ridiculous. I am furious that I was denied access to my own money without any sort of notification, or assistance. 
This is my money and it was extremely embarrassing that I was not able to pay for a party I was hosting, with money I had the ability to pay for the debt.
On XX/XX/XXXX I sent a certified letter to OCWEN asking OCWEN to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to OCWEN ( OCWEN acquired the mortgage from GMAC ). 

On XX/XX/XXXX, I submitted a claim with XXXX due to the delay in responding to my XX/XX/XXXX inquiring. OCWEN acknowledged receipt of the XX/XX/XXXX letter, but could not verify the account or information. OCWEN 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the misreported information to GMAC. 

OCWEN acquired loans from GMAC and is listed on my credit report ( Attached ). I can't not accept shifting blame to GMAC. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to OCWEN 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.
I owed approximately {$730.00} to XXXX XXXX, {$4000.00} to Prosper Market Place and {$2200.00} to XXXX XXXX. The account ( s ) were closed, charged off and sold to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. After I paid the account ( s ) in full I was told that the three mentioned companies would change the status on my credit reports to " Charged Off, paid in full '' after XXXX XXXX reported to XXXX XXXX, XXXX XXXX XXXX reported to XXXX XXXX and XXXX XXXX reported to Prosper Marketplace the account ( s ) as paid in full to them. It has been over six months in one case and an approximate month on the others and no change has occurred.I have contacted XXXX XXXX, Prosper Marketplace and XXXX XXXX and no action has been taken. I have disputed the accounts via the three credit bureaus ( XXXX, XXXX and XXXX ) and still nothing. Attached are the Paid in Full letter ( s ) for your review.
Hello, I was given a mortgage trail period plan in the amount of {$2200.00} and also told that this amount may not change if a modification is offered and my APR is 7.35 %. I submitted my monthly income which is less than what the mortgage company is asking and I believe they are setting me up for failure with a unobtainable mortgage payment. I will be in the same position after paying the trail payment plan as I am now. I really am trying to keep my home. I have to accept the offer by XXXX XXXX, 2017 or I will be faced with a sheriff sale date of XXXX XXXX, 2017. I believe I am a victim of predatory lending. Attached please find a copy of the trail plan and my pay stub. Thank you in advance for your consideration.
The purpose of this complaint is that Experian has disregarded my request in providing me with appropriate documents showing validation on the disputed accounts. I do not recall having a contractual agreement with the disputed accounts. Since validation can not be made under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- the agency is required to " ... promptly delete all information which can not be verified. '' Thank you very much for your help regarding this problem.
I currently have a home mortgage that is serviced  by Ocwen s ince around  XXXX   XXXX .     For the second time ( in as many years ),  Ocwen ha s declared that I do n't have the required flood insurance coverage for my home ( I live in a  XXXX  area so  XXXX  Florida ) and sent me correspondence that they plan to purchase flood insurance unless I can provide them with proof of existing coverage.     My homeowners insurance is a comprehensive policy that includes flood insurance and this is clearly stated on the declaration page. My wife and I spent weeks last year educatin g Ocwen  about our  XXXX  policy and had to escalate their lack of understanding through many layers  of Ocwen m anagement before we were able to get them to admit their error ( in writing ) and stop them from purchasing flood coverage ( at an exorbitant cost AND significant profit for   Ocwen ).
Unfortunately, it appears that there was zero learning within Ocwen as I received a demand letter from Ocwen tod  ay (  XXXX  ) stating that I am again missing flood insurance and that they planned to purchase the required coverage unless I could demonstrate coverage. My  XXXX  homeowners policy   is exactly the same policy as last year ( same company and agent as last year ). My strong belief is that Ocwen uses this process ( claiming missing insurance coverage when it is in fact in place ) to generate significant additional revenue for them.
By the way, in the ~14 months that Ocwen has been servicing my loan ; this is the third major error on their part. They are just terrible at doing their jobs.
Discover Card representative called me today about an outstanding balance on   XXXX    c redit cards that were opened with them on  XXXX / XXXX / 2016 . I informed him that I have no credit cards with  Discover and have never applied for credit with them.. I did report as fraudulently  XXXX  credit card that was opened with Discover bac k i n  XX/XX/XXXX . I infor med them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after the  phone3  call today I 've learned that they did n't close out the card and that there ar e  XXXX  additional cards opened fraudulently with Discover. Their i nvestigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back i n  XX/XX/XXXX  that they were fraudulent. In  XX/XX/XXXX  I was  advised by  XXXX  to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need  these  XXXX   accounts closed as fraudulent.
This account had been closed and Paid. I am receiving notices after four years about the balance. This is a closed account and still shows on my credit report. Closed XX/XX/2013
I have tried for the last 6 months to have an item reported as included in Chapter XXXX Bankruptcy without success. I have submitted 2 disputes to Transunion and both times it has come back as information accurate. This debt was included in my Dishcarged Chapter XXXX Bankruptcy. XXXX XXXX XXXX and XXXX XXXX XXXX were notified via mail when I filed and then notified by mail again when my bankruptcy was discharged in XX/XX/XXXX. Despite all of this, they continue to report inaccurately on my credit report. I understand it isn't removed, but it should show a zero balance and that it was inlcuded in bankruptcy. Here is the information below : INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this account appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX High Balance : {$21000.00} Original ChargeOff : {$20000.00} Pay Status : >Charged Off< Terms : Monthly for 81 months Date Closed : XX/XX/XXXX >Maximum Delinquency of 90 days in XX/XX/XXXX< Account Sale Info : ACCOUNT SOLD TO XXXX XXXX XXXX Remarks : PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF< Estimated month and year that this item will be removed : XX/XX/XXXX
First of all these student loans consist of Stafford and consolidation. My complaint is being made due to selling of my loan and late notification. In XXXX 2016 I made my due current payment to XXXX XXXX XXXX. Later I received a letter from Nelnet stating they purchased my loan. I was also on a contract due to hardship for a specific payment. I was told by XXXX they had my payment and would forward. Nelnet told me they still needed payment ( grace of 15 days ) I borrowed and paid XXXX payment. I was told they would honor the contract, however, I would have to re-qualify upon renewal. Today! I received from Nelnet a payment of {$430.00}, variable interest rate changes, and late fees. 
I am at retirement making {$14.00} an hour trying to keep my expenses within my budget. I have been paying this loan for over eight years and current with this payment plan based on my income.
Before Eastern Account System reported the debt to credit agencies, they never talked to me in person, neither did they send me a notice in mail. 

They have violated my right to dispute the debt. 

Amount : {$88.00} & {$28.00}