WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I disputed information on the Experian report showing a derogatory by XXXX XXXX indicating they not been paid {$500.00} and that the account was charged off in XXXX and XX/XX/XXXX. 

I provided proof of payment provided by my bank XXXX XXXX and asked that the information be corrected. XXXX XXXX denied my request and furthermore updated the report to indicate the account was written off as of XX/XX/XXXX. In disbelief I disputed it again. Again I got the same result and XXXX XXXX charged the account off again, effective XX/XX/XXXX. So now the account which was originally charged off in XX/XX/XXXX was again charged off 2 more times in XXXX and XX/XX/XXXX and was now a negative on my report. In other words the account that was erroneously charged off in XX/XX/XXXXwas now maliciouly made to look like if was 2 recent charge offs. I called and wrote XXXX XXXX again and they refused to do anything about it and warned me that they would list it as a recent charge off everytime I disputed it. WOW. I called Experian and they told me they just report what they are told by the Financial institution and they couldn't do anthing about it. 

Please Help ... These guys are horrible!!!
Last year I paid my debts. I started in XX/XX/XXXX. The first 2 were XXXX XXXX  and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and portfolio. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that XXXX XXXX XXXX
Mr. Cooper changed my loan number without my consent and charged me {$1000.00} in fees. I asked who they paid, they have not provided me with a name yet. They charge me XXXX a month on my mortgage. As a result I can not make principle only payments. It would take 30 years to pay the amount meaning I could NEVER make principle only payments.
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ),  XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX   and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Mortgage loan has been resold a number of times especially since the 2008 financial melt down. Request was made numerous times to remove the homeowners insurance from the escrow. After having no response, telephone contact was made at which time the bank refused claiming that they purchased the noted with the insurance in escrow and it must remain in escrow for the life of mortgage.
I filed a complaint with Transunion through this website and they continue to tell me that they will get back with me in 60 days. THEY HAVE NOT! They continue to say that they verified the bankruptcy that is on my credit report through XXXX and XXXX! 
In the case of XXXX v. XXXX the court ruled that they ca n't claim any court or government agency investigated or verified any public record, and that means they ca n't claim they verified it through a court website or XXXX. All those court websites state they do not guarantee the accuracy of the information on the website, and no third party looking at court records is qualified to make a verification as they are not a first hand party and have no first hand knowledge. I am Demanding to know who claimed to verify and I want their name, company they work for and all their contact information as they are slandering you and liable should you take legal action against them and their vendor. 
Please also note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ). 

This company does not care about the law and keeps making these errors that they are fully aware of that is an error! This will be my last complaint. I NEED TO HEAR BACK FROM THEM OR I WILL TAKE THEM TO COURT AND SUE THEIR XXXX!
TIme sensitive!

Auctioning off my home on XX/XX/XXXX in XXXX XXXX, SC I missed the foreclosure hearing. XX/XX/XXXX according to XXXX Clerk o crt. Since XX/XX/XXXX i was summons to answer complaint. Since the action started, my Mortgage co has denied the remodifications plans. On XX/XX/XXXX I sent my written RESPA requests to assist me in figuring out how to resolve my foreclosure. On XX/XX/XXXX i received their acknowledgement of the requests and would be sent to me assurances.

Later in XX/XX/XXXX, i began receiving info from a debt collector/attorney About how i may want to start getting out of the house. Some of there mail came certified, some came regular mail and some never made it to me. I didnt understand the aggressiveness of the debt collectors mail. Also their strange request.

With the threat of the impending foreclosure action starting back up I needed my " RESPA '' questions and audit to determine my disposition - plan of action if needed. I then learn of my missed court hearing and have been in SHOCK.. ive informed the clerk of courts office and the Plaintiff -Nationstar/mr cooper.

I was not afforded my rights to a hearing. I feel there was a deliberate plan by the DEBT COLLECTOR 'S to have this foreclosure hearing w/out the defendant present. NATIONSTAR/mr cooper choice of collectors of debt should be in question.

I NEED HELP FAST. XX/XX/XXXX HOUSE UP FOR AUCTION. PLEASE POSTPONE!

Please help me. All i need is a chance to get my respa requests answers reviewed and then if necessary, auctioning of my home. 
XXXX XXXX. XXXX XXXX XXXX XXXX PLEASE AND THANK YOU. Urgent
JC Morgan Chase did not correctly respond to my complaint numberXXXX Our final payment was initiated at the dealership, not by us. Therefore it is impossible for us to cancel the auto payment after the auto loan and then paid off. 

Continued to draft account, and then in the response charged us with the responsibility of canceling it, which is impossible. 

Drafted of funds from our account should have been returned within 48 hours, even though the bank Identified that the rejected should be credited to our account The funds fundamental were held for almost 3 weeks This delay in processing is in direct Violation of banking regulations specifically for mission time frames.
My student loan was recently purchased by XXXX from XXXX. This is a loan that I have made payments on like clockwork every single month since graduation - 8 years ago. I was not notified of this changed arrangement, nor was I notified that they would cancel the automatic processing of debits from my checking account. Now this account shows as delinquent, and my previous favorable interest rate - secured by enrollment in the automatic payment program - has been increased by a factor of XXXX. To compound these problems, XXXX website has major usability issues caused by an issue with their XXXX certificate. Now I am waiting on the phone to speak with someone because I can not access my account via their web portal.
Annie-Mac promised us we could close on our home XXXX XXXX. XXXX XXXX we get an email ( not call ) saying someone screwed up numbers and they are doing their best to correct and make the closing happen. That issue was resolved, but not in time, had to reschedule everything for Friday. Get an email today ( XXXX XXXX, no call again ) XXXX, need a XXXX form from XXXX 's employer in order to hopefully close by Friday XXXX XXXX. I asked why this was addressed weeks ago? My employer is out of town and ca n't get the XXXX form out for a few days. This is one of the 1st things that needed to be done in order to get the mortgage! I do NOT trust Annie-Mac at all.
I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, and I've talked to several BMW financial representatives where they mentioned that they've received the automatic payment from me month over month, but apparently there were extra charges that I was not made aware of excise taxes that was not calculated correctly. For my understanding, when I signed the contract for monthly payment, the F & I at the dealership made me believe that the monthly payment included the extra fees and excise taxes. Plus there are several inaccuracies with the credit bureaus. How is it possible that one credit agency is reporting no late that specific month and other shown error. Please update all those late payments to show on-time never late.
I keep getting calls threatening jail and calling my job about a pay day loan and my job said they do n't want anymore calls. My payday loan sold this account so I do n't know who these people are.
I had my car repossessed by Lobel Financial on XXXX XXXX. They stated I was 45 days late in XXXX payment. I always pay my car note on or around the XXXX of each month even though my car note is due on the XXXX of each month. That brings me to be 15 days late each month. I was told they are tired of me paying each month late. And out of the 8 month I had my car which I got back in XXXX I have paid my car note late 6 times. I checked my credit report on XXXX XXXX, and my report state I paid every car note on time. I did make a payment XXXX XXXX. I was told that was for XXXX but on my credit report it was reported as on time for XXXX. I contacted Lobel a few days ago and they stated I missed a payment in XXXX and for me to find that receipt of payment and then they will review my case and see if I can get my car back. When I told the lady that it was positive reporting on my credit I was put on hold for her to tell management I guess. I know I paid XXXX and pay my car note every month. I was trying to pay no more then 30 days before it hit my credit so I can build credit and trade the car in. Also the terms of lease change and the amount I pay each month changed I paid for 8 months and my car loan never went down XXXX bit. I put down {$3000.00} on the car and the current balanceit is more money owed then when I first. My car financed was suppose to been {$7900.00} with {$3000.00} down. In Addition they financed my car with the wrong SSN I had to change it to the right number when they called me a few days after I got the car. Also they had stop completely sending me statements regarding my vehicle. I have XXXX statements and I will show how in two XXXX months XXXX payments where made and my payoff balance only went down by {$100.00}. I 'm very confused.
In XX/XX/XXXX Mr. Cooper formerly Nationstar emailed me and sent a letter notifying me that XXXX had sold them my home loan. A few days later I received a letter in the mail stating the same thing. The effective date of the transfer was XX/XX/XXXX. In that same email they said that they would mail me additional information in about two weeks. I received no payment information for XX/XX/XXXX. I received no written statement of debt : where should payments be made, no monthly statements, no information about what to do if I wanted to seek a new loan company, etc. On or around XX/XX/XXXX I still had not received a monthly statement for payments to the new company. I called Nationstar/Mr. Cooper was was told that I could sign up online to make payments. I told them that while I would sign up, I was requesting that an actual monthly statement be sent to me. I should as required by law be provided written information about my debt. Nationstar/Mr. Cooper never sent a XX/XX/XXXX bill/monthly statement and never informed me of the amount due for XX/XX/XXXX. I eventually just paid the same amount I had previously paid to XXXX. Each time I called I got random answers about why they were refusing to send me a XX/XX/XXXX mortgage statement or bill. Once again - Nationstar/Mr.Cooper refused to send a XX/XX/XXXX bill/mortgage statement in writing as requested many times. In late XX/XX/XXXX I started receiving harassing calls from Mr. Cooper staying that XX/XX/XXXX mortgage was not paid. I immediately disputed that. I provided the date that it was paid from my XXXX banking account. Mr. Cooper informed me that they applied that payment to XX/XX/XXXX. I immediately demanded to talk with a supervisor and disputed that XX/XX/XXXX was not paid. Mr. Cooper did not own the loan until XX/XX/XXXX. XX/XX/XXXX payment was already made to XXXX. Mr. Cooper refused to send out a monthly statement or bill for XX/XX/XXXX. Currently Mr. Cooper is reporting me to credit bureaus as being late because they have been and continue to apply payments one month behind. Once again- XX/XX/XXXX payment was applied as an XX/XX/XXXX payment- when Nationstar did not own the loan until XX/XX/XXXX. Payments are not being applied correctly. Mr. Cooper refuses to send a XX/XX/XXXX bill/statement in writing as required by law, and Mr. Cooper is not honoring the dispute process. I disputed in writing that XX/XX/XXXX payment was owed to them ( they didnt own the loan until XX/XX/XXXX was half over and payment was made to XXXX ). The creditor is refusing to send written proof of an amount owed ( No XX/XX/XXXX bill ), and they have incorrectly reported me to the credit bureau as being late when this is in dispute and Mr. Cooper has not provided written verification of the dispute status as required by law.
I submitted a list of unauthorized charges to Barclays bank. They did an exhaustive review and I have a recorded conversation that revealed they reviewed the charges and agreed that the charges were unauthorized. They further sent a letter saying the same that the charges were unauthorized. Late in the game, some adjustor named XXXX stepped in and decided out of the blue that all of the charges were legit and reversed all the credits a previous adjustor found unauthorized after that previous adjustor reviewed for months ( XXXX reviewed for 72 hours ). Over the phone XXXX said it was because of the fact that the charges were XXXX charges and that on my XXXX profile there 's a photo of my wife and I in XXXX ... .Well yes, XXXX that is accurate. 18-24 months before the unauthorized charges took place, i proposed to my wife in XXXX ( I did n't know that was illegal or that deemed someone allowed to use my credit for unauthorized use at their leisure after the fact and I foot the bill ). There is a clear time stamp on this photo in XXXX which I willingly faxed to XXXX. I, also to show XXXX I was n't in XXXX when the charges took place, faxed him a copy of a doctor 's report for my ongoing XXXX case that clearly shows I had a doctor 's visit in XXXX when charges took place in XXXX.
I 've been victimized by the illegal collection practices of Encore Capital Group - Midland Funding LLC. XXXX Consumer is who I acquired the credit card through as a XXXX who just purchased a new house ( 2012 ). Little did I know that this would be a nightmare that would follow me well into my XXXX. With a XXXX limit and an interest rate of 28 %, I tried to stay below the credit limit but seemed to never be able to pay it down with the minimum payment of {$75.00} dollars, the 28 % interest, and the added credit card protection. Eventually I decided to start paying XXXX - XXXX dollars per month or as max as I could get it. The card was closed but I never stopped making payments. XXXX still accepted my payments for three months before they advised that the account was no longer accepting them. Reaching out to XXXX and XXXX XXXX bank ( The company who owned the account at the time ) was a futile effort and they did not provide any useful information or a method for me to resolve the account/pay-off the account. Several years later, I get contacted by Midland Funding LLC., upon requesting more information about the account, they advise that it 's been sold and they no longer own the account. This even though they are the ones listing as a negative reporting on my credit. 

After trying to XXXX this account for several years, I get a notification in the mail that I have a credit that will be applied to the account as a result of action taken against Encore Capital Group - Midland Funding LLC. by the Consumer Financial Protection Bureau. Although this credit is present, Midland decided to robo-sue me for the amount of the original card. Not taking into account the credit provided by the lawsuit or the amounts that paid and accepted after they deemed the account closed. 
This has been very painful and costly ; I only wanted it resolved years ago but Midland with their account shell games with moving the account from one company to another and with them suing without providing proper information or documentation creates a world of torment for the consumer and I 'm still dealing with this nightmare.
I wired USD XXXX to my account at Coinbase on XX/XX/XXXX. As of today ( XX/XX/XXXX ), I still have no access to my funds and they have not returned the payment either. I checked with my bank and payment was cleared the same day and transferred to the account of Coinbase at XXXX XXXX XXXX on XX/XX/XXXX. It has been almost a month and it is almost impossible to get a hold to anyone from Coinbase at all. They reply emails once a week with no specific information, only automated responses. Their customer service phone is impossible to reach either.
Company appeared on my credit XX/XX/XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company only sent me correspondence AFTER placing debt on my credit given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. 

From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the accounts they were attempting to collect on were mine as my social nor signature matched their files.I tried explanation that I not only sued but won against XXXX in court back in XX/XX/XXXX for this exact debt as it was proven to not be my debt, the agent still refused to discuss with me the account as I couldn't pass verification. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system and for a bogus debt that was sold to them by XXXX  KNOWING the couldn't collect via the legal system as the account is not mine. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.
I found out that my credit score is low because of an incorrect reporting. My report shows foreclosure when there was none.
I opened a checking and savings account with CITI in XXXX and was supposed to have received a {$400.00} promotion bonus for leaving the funds there. I called the bank previously and they told me it would be deposited by XX/XX/XXXX. It wasn't. I sent a secure message and they have not responded in over 5 days. I called them again and they hung up on me.
Capital One reported my auto loan payments late several consecutive times. I have several credit cards with Capital One and all paid on time. Never late. I closed them because I noticed a pattern of discrimination. The higher my credit score went the more interest I paid. With my car loan, in XXXX, I was overpaying Capital One and caught them lying about what I owed. They repaired the issue. In the fall of XXXX they started overcharging me again, so I demanded they show proof. While I waited, they never disclosed their malfeasant actions toward me, they continued to mark me late. I researched all my credit reports and noticed they are all over the place, so I contacted all the XXXX and they informed me, they report only report what Capital One tells them, so why are the payments in different years and months??? Both Capital One and the Credit Bureaus, specifically XXXX stated it is ok and legal for them to be different because it happens all the time. I vehemently disagree for the following reason. 
Credit scores permeate our entire lives, and the Credit Bureaus must be accurate because credit scores impact our QUALITY OF LIFE and PROSPERITY. 
XXXXXXXX We need a good credit score to buy a home 2. A good score is needed to buy a car 3. Health Insurance premiums hinge on our credit score, not logical - it is criminal 4. Car Insurance uses our credit to offer us car insurance - it does not hinge on your driving record anymore, it depends on your credit score which is criminal. 
5. To rent an apartment - your credit score is used. 
6. Physicians are asking for credit report to obtain medical care - their reason - Dentist say, if you need major dental work, we must ensure your good for it. 
Credit Scores permeate our lives, so for Capital One, XXXX, XXXX and XXXX to have such a casual attitude is dangerous. Our Federal Government must insert FINES and new REGULATIONS for Companies and Credit Reporting Agencies to ensure they are taking consumers credit reporting seriously. 
Please ask Capital One to remove the XXXX and XXXX of XXXX late payments off my credit reports. Thank you.