WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX has constantly been on my credit report as closed and 120 days past due. They no longer handle my loan but on my credit report instead of taking it off my credit reports they just put transferred in the notes but it still shows up negative closed account on my report. They have removed one or two so I know it can be done.
Two fraudulent Hard Inquiries on my account. 
The first one is from XXXX Bank. It is showing up only on my TransUnion credit report. It shows up as : XXXX on XXXX/XXXX/XXXX, I was alerted and called XXXX on XXXX and told them was not me and that I need the inquiry reversed. They said they would have the inquiry removed. It is now XXXX XXXX XXXX and it is still showing on my XXXX XXXX account. I spoke to XXXX Bank agai, spoke with XXXX in their fraud department today, XXXX/XXXX/XXXX XXXX EST and they are again promising that they will remove the inquiry with XXXX days. anything you can do to make sure they really do it would be appreciated. 
2nd one was on XXXX/XXXX/XXXX. It is only showing up on my XXXX report and it registered as XXXX. I called the number that was associated with this also on XXXX/XXXX/XXXX and again was assured the inquiry would be removed. It also has not been removed off my XXXX report. I have been told that the XXXX stands for XXXX XXXX XXXX someone was trying to open a credit card in my name at XXXX XXXX. They have my social security number and a prior address of mine. I have put a freeze on all credit bureaus because of this but need these hard inquiries removed from credit report. Thx
While checking my credit report I noticed a collection account from a XXXX XXXX XXXX stating that I owe {$500.00} from an Ace Cash Advance. I have had dealings with them in the past after I had received several spam/fraud emails from another collection agency XXXX that was threatening to " take me to the courthouse if I do not pay '' I asked for proof of the debt being that I am a victim of identity theft in past. The never sent me any proof of the debt. I filed a complaint with my states attorney General, and they stated that the emails I was receiving were fraudulent. I also filed a complaint with the CFPB. After this, and not receiving any feedback from any XXXX, I thought the matter was closed. Now this collection agency XXXX XXXX XXXX has placed this account on my credit report which has caused my credit score to drop nearly XXXX points! I am in the process of looking for a home to rent and this has severely affected my chances of getting approved by potential agents/ landlords. I have sent letters to all " collection agencies '' that are claiming to represent ACE cash advance with no response.
Dear Sir or Madam : I graduated from school in XX/XX/XXXX and shortly thereafter I consolidated my loans and began paying them. For the last 14 years I have never missed a payment and I have never been late. Since I have lived overseas several times over the last 14 years the address on file for my loan information has been my fathers house. The only communication I received from my loan company was a XXXX once a year. 

On XX/XX/XXXX I received three emails from my sister who takes care of my father in Connecticut. Each email had an attachment. The first attachment was a letter dated XX/XX/XXXX from my loan servicer XXXX  with a notice stating that my payment on XX/XX/XXXX was being returned because there was a new servicer. The second attachment was a letter dated XX/XX/XXXX from a company called Nelnet stating that a " borrower benefit has been removed from your account ''. There was no mention of what the benefit was, or why it was removed. The third attachment was a letter dated XX/XX/XXXX from Nelnet demanding that I pay double my normal student loan amount. 

The following day I called Nelnet to inquire about the mysterious borrower benefit that was being removed and I was told that the " benefit '' removed resulted in a 1 % increase in my interest rate that was equal to more than {$10000.00} over the life of the loan. The reason that it was removed was because my payment was late. When I told them that I had sent all my payments and I have records showing that the XXXX payment was made on time they said that it did not matter. It was my fault because I should have known that the servicer had changed. I told them that I never received any notice of the change and they said that it was still my fault. When I asked what can be done to resolve this they said that they would take it under advisement but there were no guarantees that anything would be done. I immediately made the missed payment over the phone. 

Predictably, today I was notified that the " benefit '' would not be reinstated and that I was being penalized {$10000.00} because of the missed payment. 

I believe that this was a calculated move by Nelnet to increase my interest rate in an attempt to force higher payments. I hope that you will help resolve this so other students are not victimized in the same way. 

Thank you for your assistance in this matter. 

Yours truly, XXXX XXXX
I was send my money from western union in fagatoto XXXX $ to my bank account in XXXX, until now my money can not pass in my bank account
I have called Sallie Maes customer service number multiple times. There has been times where no one would even answer during business hours. I would get different scripts from different customer service contacts. I have spoke to two loan contact personnel over the past week XX/XX/18 and neither times were they willing to work with me. I have tried to keep up with my payments but they are not understanding my income compared to the amount they are trying to charge me.
XXXX XXXX keeps showing information on my credit report from Equifax and XXXX thats incorrect. I have disputed online with XXXX XXXX, Equifax and XXXX several times but each time the credit agencies dispute my information rather than investigate it and XXXX XXXX emails me that whats on the credit report is correct. They have never asked for additional information so I can prove the report is wrong. The last time I disputed information online thru XXXX XXXX was XX/XX/XXXX. They keep showing late/missed payments for XXXX XXXX but my XXXX 1st mortgage was sold to XXXX XXXX in XX/XX/XXXX. Their report shows it 's in a Chapter XXXX which it is not. The XXXX 2nd mortgage is included in my Chapter XXXX but they keep saying it also has late/missed/derogatory payments. I pay the Bankruptcy Trustee each month who distributes payments to XXXX for the 2nd mortgage, so the payments should not be reported as late. They also show that I opened the XXXX XXXX XX/XX/XXXX ... which is incorrect. XXXX sold my mortgage to XXXX in XX/XX/XXXX.  XXXX is the only mortgage I have and it is not a part of my Chapter XXXX. I pay them over the phone each month on time. The credit report shows my XXXX mortgage was closed XX/XX/XXXX. They also show the last payment I made to XXXX XXXX was XX/XX/XXXX but I have been with XXXX XXXX and have not made any payments to XXXX XXXX since XX/XX/XXXX when they sold my loan to XXXX. The XXXX loan should show as closed out as of XX/XX/XXXX. Equifax and XXXX   are also showing that I have a XXXX bankcard thats late and the last payment was XX/XX/XXXX. The XXXX bankcard is a part of the Chapter XXXX and they are responsible for making the payments since XX/XX/XXXX which was when the bankruptcy went into effect. I have documentation to show all of this if needed. Why the reporting agencies hasnt asked for proof is beyond me. With the agencies refusing to correct and update my credit report/credit score, it has caused me to either be denied for credit or pay very high rates. THIS IS UNFAIR AND THE CREDIT REPORTING AGENCIES HAVE REFUSED TO CORRECTLY INVESTIGATE THESE ISSUES AND UPDATE MY CREDIT.
On XX/XX/XXXX    a request for my credit was made by   XXXX   XXXX   XXXX  . This is an inquiry on my credit report that needs to be removed.
This amount was charged off I 'm harrased over this debt I need it deleted or else I will sue the company a XXXX charge them a fee of XXXX XXXX dollars a day for holding my info. I have no contract with them what so ever and they are holding my information which is considered identity theft. Will also contact FTC, Attorney GENERAL and BBB. 
False and Misleading statements
On XXXX/XXXX/XXXX I lived in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX n.c. XXXX in XXXX XXXX where a fire ensued. I was covered by insurance in full through XXXX XXXX XXXX company of Florida. My insurance paid XXXX in the form of XXXX checks ( I submitted the documentation ) on my behalf collected by XXXX XXXX XXXX the property owners at the time. XX/XX/XXXX I received a bill from XXXX for the 2 mos remaining on my lease. When I called I was told to disregard it as my lease was void as of the fire ... I did. In XXXX my account was given/sold to National Credit Systems for XXXX. The information I am providing will contradict information I have received from NCS. NCS claimed on XXXX/XXXX/XXXX that my insurance paid XXXX. However my insurance has provided me documentation that they paid XXXX XXXX for the damages created by the fire. Therefore they have been overpaid and should have returned my deposit of {$400.00}. I do not owe a balance at all. In the past I have had my insurance call XXXX directly as well as contacted XXXX and XXXX the property owners to no avail. NCS will not release this debt as they wish to be compensated for purchasing a bad debt. Furthermore it is my understanding that Steeplechase\and or NCS had 3 years to file a judgement against us for this debt they did not and the timeframe has since expired so this should have been removed on that basis if not the fact that I have provided substantial proof from the 3rd party ( my insurance company ) that they were paid before this debt went to collections. NCS has also resubmitted this debt to the credit bureaus XXXX ( in order to keep it from dropping from my credit ) indicating that they have made contact with us. THEY HAVE MADE NO CONTACT WHATSOEVER SINCE XX/XX/XXXX, when I contacted them. There is no debt owed and I would like this removed from my credit and the credit of XXXX XXXX immediately.
I called seterus to set up a repayment plan for my mortgage. When I called I wasnt even past due. I specifically asked them if this will affect my credit they said no. Apparently they set up a form or repayment that I did t agree too. 
I tried for them to listen to my conversation with the representatives I spoke to. They keep mailing me the agreement. They reported late payments on my credit, my credit score went down over 50 points. This is fraud, if I knew it will affect my credit I will have made a completely different decision.
The most recent investigation from Experian and XXXX to remove inaccurate account is showing again the same issue of reporting information hurting my credit score with information from the same furnisher. 
I have the letter from Experian and XXXX that clearly show the inaccurate information and this account must be deleted from my credit reporr. 
The Experian own investigation show the same issue over and over. 
I will attach the document sent to me by Experian dated XX/XX/2018. And copy of data from the XXXX web page. previously I contacted Experian and XXXX with ceritfied mail and notarized letter but simply ignore my request and verify their own mistake. 
XXXX XXXX bank account appear as charge off with a monthly balance, inaccuate high balance, inaccurate open date, .. Same furnisher and not accurate information from Experian Vs XXXX.
Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more 10 years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute ,XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home
I have a hard inquiry from XXXX. and havent been in contact with them to get anything it says XXXX this is not accurate idenity theft at its best they should ask security questions before giving out my personal information to someone.
Upon reviewing my Transunion credit on XXXX/XXXX/2015 I found there to be 6 Derogatory items ( XXXX, XXXX XXXX, XXXX, XXXX XXXX 2 XXXX ) AND 5 Inquiries ( XXXX ) that I know nothing of. I did not apply for credit with these companies and I did not receive credit from these collections. I disputed these items with Transunion, then proceeded to contact these companies to dispute these items as well as request information on these debt through certified mail. These companies did not respond at all. It has been more than 30 days so I sent Transunion a package with copies of all my letters of dispute to these companies as well as a request to remove these items from my file. Transunion has ignored my request.
During XX/XX/2017, XXXX XXXX negotiated with Citibank - XXXX  regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, Citibank is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with Citibank that I hired The XXXX XXXX to help. To this date, The XXXX XXXX have not been successful either. Please resolve.
I opened a checking account with Bank of America late last week while reviewing an incentive offer for {$100.00} when XXXX {$250.00} deposits are made into the account. I chatted with a representative yesterday to confirm the offer was there but they said there was no offer on my account. The representative I chatted with while I opened my account last week confirmed it was there, so I do n't know who has the incorrect information. Want to get this resolved before it 's too late.
I have tried to order a Point of Sale device on on company 's website. At Check Out process they have an option get same device with Installment option which is about {$80.00} worth. In order to get that installment at same page it clearly says Fill in a few details below to confirm your identity. Instantly find out if your business can pay in installments. Getting your decision won't affect your credit score. And at the before Submit and Continue you have I have reviewed and agree to the Privacy Policy, E-Sign Consent, and Credit Authorization. So, believing their credit check will not affect my credit which is soft inquiry and i have moved on. Next morning when i woke up i have seen on my Experian Credit report a new inquiry as XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have contacted with the company, they have stated to check eligibility is Soft Inquiry, if i am moving forward its an hard inquiry. I have not given them my consent to pull my full credit report. So the information they are giving is misleading. Applying and getting decision Soft Inquiry but when you get installment its hard inquiry. They have refused to remove hard inquiry from my report, i have contacted with Experian, they informed Consumer Financial Protection Bureau is in charge for these type of disputes.
According to documentation I received from both Wells Fargo Home Mortgage and XXXX XXXX XXXX, XXXX, Wells Fargo Home Mortgage sold my mortgage and the note to XXXX XXXX a/k/a XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX became the servicer of the mortgage XXXX/XXXX/XXXX. This is in direct conflict with the information which was recorded in the XXXX County records. The assignment of mortgage which was recorded in the XXXX County records shows that XXXX purchased the mortgage and the note from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX. There is no assignment of mortgage filed with the XXXX County court system or public land records which shows Wells Fargo Home Mortgage as being the owner of the mortgage or the note or having the authority to sell my mortgage and note to XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX How can BOTH XXXX XXXX a/k/a XXXX XXXX XXXX and XXXX purchase the same mortgage and note when the dates and the ownership information is in direct conflict with the information which is recorded in the official XXXX XXXX XXXX? How can BOTH XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX AND Wells Fargo Home Mortgage SELL the mortgage and note? XXXX COMPANIES CAN NOT OWN THE MORTGAGE AND THE NOTE AT THE SAME TIME. XXXX XXXX XXXX XXXX, XXXX purchased the mortgage and the note on XXXX/XXXX/XXXX, and the assignment of mortgage for this transaction did not get recorded in the XXXX County records until XXXX/XXXX/XXXX. Yet, Wells Fargo Home Mortgage states they sold it to XXXX XXXX a/k/a XXXX XXXX XXXX on XXXX/XXXX/XXXX. This is IMPOSSIBLE. When the assigment of mortgage, purchase, sell from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX occurred on XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX had been defunct for 2 years prior. How can Wells Fargo Home Mortgage sell anything pertaining to my mortgage and note to XXXX XXXX a/k/a XXXX XXXX XXXX when they did not own the mortgage and note? The official records recorded in the XXXX County records shows that XXXX purchased BOTH the mortgage and the note from XXXX XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. The assignment of mortgage which has been recorded in the XXXX County records shows XXXX different companies on it. XXXX XXXX XXXX, XXXX and the loan number for that company. Wells Fargo Home Mortgage and the loan number for that company. XXXX. XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX and XXXX. I think someone has some explaining to do because according to the OFFICIAL RECORDS, there was major fraud committed.
- > after i found out Equifax got hacked i tried to place a fraud alarm on my account but they are making it difficult to put that in. this should be done automatically since it 's there fault that they got hacked. instead they are making it difficult by requiring that i mail my request for something that should have been done over the phone or online.
I mailed a Multiple Inquiry Removal Letter by mail to dispute information, regarding hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. I also mailed out a letter disputing inaccurate reporting items on my credit that was received at their location on XX/XX/2017 but the request was also completed on XX/XX/2017. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have provided proof of the letters I sent along with the date it was received at their location. Also, I provided proof of the date that their response was written back to me. If I received it on XX/XX/2017 that means it was mailed out before this date.
I have a Walmart Credit Card through Synchrony Bank. My account became past due in XXXX 2016. I went online and chose their option of Pay your full account balance off in installments. I chose 5 monthly installments. All of my payments were paid on the date allowed during the payment arrangement. However, they have continued to charge late fees every month. At the end of the 5 months, I still have a balance on the account due to the late fees and the interest they have continued to charge me on those late fees. When I called them, they were only willing to waive one fee, stating that I knew when my due date was. 

I just do n't understand why they would accept a payment arrangement from me to pay it off and continue to charge me the late fees.
I have been dealing with this situation for many years and I have spoken to the ombudsman who basically did nothing after Navient responded with no explanation. I have received multiple letters from Navient with different balances and no proof of how the balances were created. Currently Navient states on the website that I owe them XXXX. However they just sent me a letter via mail that I owe XXXX. I have been dealing with this situation since I was in school at XXXX. I had to stop attending because I ran out of money, that is the 1st time I was aware of a problem. Besides the fraudulent activity of the school which I also have a claim on, Navient is changing the amounts constantly. When I got a lawyer to handle the situation, suddenly Navient makes up that I had loans from another servicer and they have now been added to the loans. I never had loans from XXXX, this is what Navient is now claiming. 
When I started XXXX I had XXXX is student loans from Sallie Mae This was for going to the previous XXXX XXXX College, and I also have made many payments under the IBR program. Now I somehow have accumulated XXXX in student loans even though with a revised letter from Navient that now says I owe {$23000.00} from the XXXX, that creates an unexplained amount of debt in question. My debts before XXXX were paid. And while I attended the college, I was also making payments. The amount of money XXXX University said that I borrowed is {$29000.00}. You can see from the math there is around $ 30K in interest accrued in less than 5 years. Of that amount, only {$1800.00} dollars is accrued interest on the XXXX loans which I attended earlier then XXXX. None of this is adding up correctly, and I have had an accountant look at it and tell me this is not correct. Navient will not provide any evidence that I owe this money accept a promissory note that could have been to any school. A master promissary note does not mean I owe every bit of debt that is tacked on from different people who have my name or from miscalculations from Navient. I do not owe this amount of money. I begin making payments in XXXX, and I want it to get allocated to the right accounts. I'm not going to make payments on someone elses bills. I was not sent any payment coupons and it says there is nothing due on their website. However I have a letter that says when I begin my repayment. I want to have the correct balance on the XXXX loans. I want them to take responsibility and explain their calculations.