WillisBack/dataset-financial-user-claim huggingface dataset:
We have been attempting to resolve a dispute with XXXX over the inaccuracy of their reporting of payments on our credit report. Their inaccurate reporting is impeding the process of us obtaining financing on a new mortgage for a home that will better meet my wifes needs asshe has become XXXX. Our repeated attempts to resolve this have gone unanswered and we are now in a difficult position. The transaction history provided by XXXX clearly shows that the payments were inaccurately applied, however, they refuse to correct the reporting to the credit reporting agencies. Please help us get this matter corrected on my credit report so that we can proceed with purchasing the home that will better meet my wifes needs. Thank you for your help.
I was shocked when I reviewed my credit report and found late payments on the following dates : *XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.
My original loan with the company was {$32000.00} after I graduated in XX/XX/2009. I have paid {$23000.00} to date on this loan ( {$13000.00} interest and {$9700.00} principal ) but yet my total loan amount still owing is {$30000.00}. A little over a year ago I tried to settled the entire loan for the balance owing - what I had paid to date less the original balance. The servicer immediately refused my request stating the lender does not offer settlements. 

I have a combined student loan debt of over {$400000.00}, half of which is federal loans and the other private loans. Because I am unable to make full payments ( I only make {$55000.00} a year ), my debt keeps accumulating. I explained this in my request but yet they refused. So, to date, on this loan, I have paid over {$23000.00} on an original loan of {$32000.00} and still owe over {$30000.00}. How is this ethical? 

I am trying to clear this debt to help with my overall student loan debt. Plus, my mother co-signed on this loan for me so I am trying to at least resolve this debt so she can retire without this lingering over her. I am asking to settle this debt for the balance of the original loan ( {$32000.00} ) - what I have paid to date ( {$23.00}, XXXX ) = {$9200.00}
I had submitted a deferment, and forbearance application which had been approved to a company named Nelnet. After it was approved my loan was " transferred '' to another loan servicing company named XXXX which in turn had not registered my loan. They reported me defaulted, which in turn off set my taxes for XX/XX/XXXX-XX/XX/XXXX. When I contacted Nelnet XX/XX/XXXX, they stated that they are no longer responsible for my loans nor what they reported to the credit bureaus.
NOTE : I checked the option that showed " Attempt to collect the wrong amount '' because that was the best option. Not the real problem. 
The real problem was that I negotiated a " Pay for Delete '' with this company, and they didn't hold up their end of the bargain and delete the information from my credit file.
equifax, XXXX, XXXX XXXX and XXXX XXXX have failed to do anything sent police report and hacking reports
This is a TOTAL FALSE STATEMENT AND I CAN PROVE I WAS NOT IN CALIFORNIA FOR THE DATE THAT I CANCELLED MY XXXX XXXX  RESERVATION!!! HOW DARE CHASE LIE ON ME!! HOW DARE CHASE LIE!! THIS RESERVATION WAS CANCELLED AS STATED WITH XXXX XXXX CANCELLATIN POLICY AND IT SHOULD NOT HAVE BEEN CHARGED SINCE I FOLLOWED PROTOCAL AND CANXELLED!!!! SHAME ON THE CHASE ANALYST THAT THREW THIS BOGUS STATEMENT TOGETHER AFTER THE NUMEROUS NUMEROUS NUMEROUS PHONE CALLS MADE TO DISCUSS - AND NOT ONCE DID CHASE ANSWER OR RESPOND!!!!!!!!! AND THE LETTER CHASE SAID THEY SENT ( THE ABOVE STATED LIE ) WAS NEVER SENT TO ME!!!!!! EVER. NOT TO MENTION, AS SOMEONE WHO TRAVELS OFTEN - CHASE CANCELLED MY CARD UPON THE COMPLAINT FILING AND I WAS WITHOUT A DEBIT CARD UNTIL THE REPLACEMENT ARRIVED. Moving forward - when I called to discuss additional reversals, these were charges that some smart CHASE person deemed to be duplicates BUT THRY WERE NOT DUPLICATE APPLE-TUNES CHARGES ... ... ..THEY WERE THE SAME AMOUNT FOR ALREADY FILED CLAIMS - FOR DIFFERENT DATES!!!!!!!!!!!!!!!!! UNACCEPTABLE UNAUTHORIZED!!! 
Disclaimer - I give JP MORGAN CHASE PERMISSION TO SHARE MY INFORMATION WITH THE CFPB.GOV. I have also filed a claim against CHASE with the BBB - however, CHASE has refused to answer the claim and thus, I am filing with the CFPB, which CHASE has to respond. Issue - several UNAUTHORIZED charges were claimed and credited - and by some miraculous mistake, CHASE has reversed my claims!! I have tried every attempt possible and CHASE is NOT  responding to communicate and rectify!
I received a letter in the mail from CitiBank stating that they never received a payment. Despite having and sending proof of the payment, two missing payment investigations have been started and closed, both stating the payment " could not be located ''. This will now put a flag on my credit reports that I recently just reviewed and fixed, as well as XXXX me out of {$100.00}. This is not the first issue I 've had with making payments to this bank via check that they somehow also lost
My name is XXXX XXXX and I am being prohibited from disputing duplicate charges on my Paypal account. I have called in to the dispute department and Paypal consistently remarks that they are unable to verify my account after freezing my account for 24 hours and unfreezing it after I was asked to provide my passport, my social security card, and proof of my utility bill with my US address on it. I completed all these steps and have not since been able to dispute the duplicate charges on my account. Everytime I call in I am told I cant be verified after giving Paypal all my private documents. 

This is extremely frustrating as I have given Paypal extremely confidential information pertaining to my identity and the dispute department continue to treat me in a discriminatory manner and prohibiting my rights which I am entitled to under your terms of use policy which is the right to call in and dispute charges that I deemed are inaccurate. 

I need help with getting whatever block on my account removed in the dispute department so I can talk to someone about handling these matters as I have already reached out to the merchant to no avail. Paypal can not continue to tell me my account can not be verified when I call in to the dispute department when they have hold of all my confidential personal documents on file and I have the email to prove such submission and for goodness sake its these very same documents they used to unfreeze my account which is making no sense. 

I need a phone call from Paypal at XXXX as soon as possible to get this matter resolved. 

PAYPAL CAN NOT KEEP DISCRIMINATING AGAINST MY ACCOUNT JUST BECAUSE IM TRAVELING I INFORMED PAYPAL BEFORE I STARTED TRAVELLING ABOUT MY TRAVELS AND THEY CAN NOT KEEP DISCRIMINATING AGINST ME BECAUSE I WILL NOT ADOPT YOUR ACCOUNT CRITERION WHICH I HAVE THE RIGHT TO CHOOSE OTHERWISE. 

I HAVE THE RIGHT TO DISPUTE ANY TRANSACTION ON MY ACCOUNT AND PAYPAL DISPUTE DEPARTMENT IS NOT MAKING THIS POSSIBLE FOR ME TO DO AND PROHIBITING MY RIGHTS TO DO SUCH BY PRETENDING THEY CAN NOT VERIFY MY ACCOUNT THAT I HAVE SUBMITTED ALL MY CONFIDENTIALS TO AND PAYPAL NOW HAVE ON FILE. 

THIS MAKES MY 9TH EMAIL TO PAYPAL I HAVE WENT ALL THE WAY UP THE CHAIN REGARDING THIS MATTER AND I DO NOT PLAN TO STOP UNTIL THINGS ARE FAIRLY AND RIGHTLY DONE. 

Thanks, XXXX XXXX
I have credit issues that are on my credit reports that are over 7 years old and they are not being removed. please help me get these ones removed off my credit reports.
I have called Security Credit Services at least 20 times with no resolution. I spoke with a representative named XXXX. The other 19 times I was sent to voicemail with no returned phone call. XXXX would not provide me with any information re : my debt instead she transferred me to a number that was disconnected.
Hello my name is XXXX. I recently had a change of mortgage companies. My original loan was with XXXX ; XXXX XXXX XXXX. Ive always paid my mortgage through the automated service which is linked with my bank account. There is no fee and its not set up for autopay. I would simply call around the time my bill is due and submit my payment. Yesterday i called XXXX on XX/XX/XXXX and they did not accept my payment because they sold my loan to a new company which is Mr.Cooper so i then called Mr.Cooper and they are charging me {$14.00} for the same transaction which has always been free for me. Why am i now obligated to pay this new fee every month! Please help. They have forced a new bill on me which wasnt my choice. My options have now changed because of this. Also i dont want autopay set up. There is no charge there, but its not an option i am interested in. I dont mind paying my mortgage but why this high fee? Id like it to be removed or it reduced dramatically.. maybe {$2.00} but still ive never had this fee. Companies shouldnt be able to charge a new or higher fee then the previous company. It just isnt right.
The lender, XXXX, aka Flurish, has sent numerous emails, and made phone calls, implying that I have directly or indirectly committed fraud. I have repaid numerous loans to this company, about XXXX, with my own funds via either debit cards or bank accounts. I reiterate these have always been my funds. The company continues to send me emails without explanation regarding issues they have. Additionally, the company will not let me talk with their fraud unit.
The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date opened   XXXX /2014 Details Pa yment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.
I have asked XXXX to investigate late payments showing in my report, and the only thing that I get as a response is that they can not honor my dispute for lack of information when I have send out XXXX dipute letter specifically requesting to investigate the accounts.
On Friday, XXXX XXXX I was notified that there was a security breach with Equifax. I learned from their website that I am effected by this and it is likely my full name, social security number, address, and even my drivers licence number has been stolen by criminals, and I may experience possible identity theft. I am now advised by a different website to freeze my credit, as well as take many other steps to try and monitor the situation- costing me much time, effort, and money.
On XX/XX/XXXX we called Bank of America from XXXX XXXX XXXX to get my credit card number and pay off amount so that I could do a balance transfer. I was told by XXXX that our pay off amount was {$14000.00} so XXXX at XXXX submitted the balance transfer for us. Now Bank of America is trying to collect an additional {$260.00} from us. Today XX/XX/XXXX I called and talked to XXXX XXXX who told me she saw in the records that we had called and were told to call back when the balance transfer posted so that Bank of America could waive any fees that may have happened during the balance transfer transaction. WE asked to talk to a supervisor XXXX handed us off to her supervisor XXXX XXXX who then tried to collect the {$260.00}. We told her that we were told the fees would be waived. She then told me she would need to call me back.
I had received a notice from the mortgage company stating that our escrow account is short. Which surprised me because I had contributed extra money towards the escrow account to compensate for the shortage. On XXXX XXXX, 2015 I had called the mortgage company asking for a review of the escrow account. I was told that the extra monies were placed in the wrong account and would be fixed and I would be receiving an escrow analysis in the mail in 7 business days. As of today, I never received an analysis or an explanation to where the money had gone. I had also sent a letter regarding this with my XXXX mortgage payment, still with out any reply. I do n't feel that they should n't be allowed to play with my money without a clue to where they put it. I feel this is fraud.
On XX/XX/2018 i sent a certified letter thru USPS to BullCity Financial Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX requesting validation of an alleged debt in the amount of {$1100.00} that they are reporting on my credit profile. The certified letter was received on XX/XX/2018 at their reception desk per USPS tracking number  XXXX and as of today XX/XX/2018 I have not received the requested information and the derogatory item still remains on my credit report. I have disputed this invalid item several times as it is not my account, and it's erroneous reporting to the Credit Bureau { s }, has a highly negative impact on my personal credit report and is affecting my credit worthiness. I understand that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, i have the right to dispute their claim and request validation of the alleged debt. I also understand that under law they have 30 days from receipt of the letter to verify this item, and that failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Attached is a copy of the letter that i sent to BullCity Financial SolutionXXXX requesting the information that I'm entitled to which I've never received and this along with the inaccurate reporting to my credit file is a direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character. I am demanding that this negative item be removed and stop reporting to the Credit Bureau { s } immediately.
Several years ago, I opened a business bank account with Chase bank at my local branch. At that time a " relationship manager '' suggested that I select a " platinum '' account which had many features. I informed him that I did not want to pay any fees for my business banking account and just needed something simple. He assured me there would NOT be any fees, at that time or in the future. Foolishly, I took his work for it. And indeed, for many years after I opened the account there were no fees.
However, I discovered today when looking back at this account that Chase began charging me {$95.00} per month for this account starting in  XXXX  2016. This has resulted in {$1600.00} in unauthorized fees taken from my account. I would have noticed this sooner were it not for the fact that I was transferred overseas for work. I have complained to Chase that this is not authorized and they have not disputed that my relationship manager told me there 'd be no fees. However, they refuse to reimburse me. I would like to be compensated for these illegal and unauthorized charges as this is a clear case of " bait and switch. ''
A paid my account with XXXX XXXX XXXX XXXX in full in the amount of {$110.00} and was told that my account would be updated and removed from my credit report. I have filed XXXX disputes with Equifax XX/XX/2016 and XX/XX/2016 and XXXX XXXX XXXX XXXX is still reporting that the account is still open and unpaid. As of XXXX/XXXX/2016 the account still remains on my Equifax credit report.
I continually receive offer letters that include a " loan check '' for $ XXXX {$5000.00} from Regional Finance Corporation of Texas XXXX These letters are unsolicited and include a " check '' that could easily be deposited by anyone claiming to be me. 

These " loan checks '' are charging a XXXX % APR with a mandatory $ XXXX XXXX time fee ' and are incredibly shady about the terms of the loan.
The reason I am submitting a complaint is due to the fact that I have requested my servicer Wells Fargo to review my docuements for a loan modification. I could not get underwriting @ Wells to review my case due to the process that Wells has which is unethical and goes agains CFPB guidlines. Well has whats called reentry team and they dictate which files go to a underwriter and which files dont. After doing my research Well is the only servicer that does that not giving me a opportunity to revie my casse with a underwriter. I asked to speak to Wells Reentry team manger and he goes by the name of XXXX XXXX stating he is a manager and he can not help me out due to the fact that Wells has a new guidline that states if I am 36 or more months behind I will not qualify for loan modification even if they are Hamp elgible or FHA loans Wells will not review any case. I have searched around I have found out that that policy is Wells and not FHA or hamp guilines. Wells Fargo is not obiding by CFPB guidlines or hamp. Please look into this matter. The Consumer Finance Protection Bureau ( CFPB ), under the Real Estate Settlement Procedures Act ( Regulation X ) at 12 CFR 1024.41, requires an appeals process for loan modification denials when a complete loss mitigation application has been received under the requirements of the regulation. 
Accordingly, HUD now provides an automatic 90-day extension to the initiation of foreclosure timeline for those cases in which the mortgagee needs additional time to comply with the appeals process required by the CFPB. 
The 90-day extension begins on the date the mortgagee denies loss mitigation and sends the borrower the notice required under CFPB regulations.
I applied and received a mortgage from MB Financial in XX/XX/2017. I usually make extra payments to payoff my mortgage sooner. I have made several payments to principal on line on the bank '' s website. 4 of the the payments made have been mis-applied. I have had to contact them to reverse those payments and re-apply correctly. Each time they admit that they need to correct the processing method on their website, that they have been having problems with this. They have not done that yet. As a result, I am paying extra interest on my mortgage. I am a semi retired senior who worked in the XXXX XXXX for over 22 yrs. Including working for the XXXX. I would like for the Consumer Financial Protection Bureau perform an investigation as to why they are applying payments incorrectly.
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am XXXX and on a fixed income and do not have the money to be represented by an attorney or any other agency. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?
On XX/XX/XXXX I received a unauthorized inquire on my credit report from XXXX XXXX after reviewing this item on my credit report I contacted all 3 credit bureau to informed them of this inaccurate information. And they informed me that it was nothing they could do that I would have to contacted the XXXX XXXX XXXX XXXX and I contacted them and they did nothing but continued to transfer my call to supervisor and nothing was resolved due to this issue my credit score has  decrease even though it was not authorized for my credit to be ran. XXXX XXXX do not have a copy of my license nor anything to authorize approval for car. I would this information removed off of my credit report and my credit score to return to my accurate score. 

Credit Score IncreaseXXXXXX/XX/XXXX DescriptionCongratulations! XXXX has reported that your credit score has increased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsKeep up the good work. 
Details Updated Score : XXXX Credit Score DecreaseXXXXXX/XX/XXXX DescriptionXXXX   has reported that your credit score has decreased by at least 10 points.  Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsMonitor what factors influence your credit score by logging into XXXX XXXX. 
Details Updated Score : XXXX.
I paid my car off on XXXX XXXX, 2017 with Credit Acceptance Corp. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and Credit Acceptance Corp. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me Credit Acceptance Corp is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!
I have disputed with TransunionXXXX, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where XXXX of the accounts stated they only verified that XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all three credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XXXX and I do n't even have a credit card with them.