WillisBack/dataset-financial-user-claim huggingface dataset:
has me listed on my credit report as being Late in XX/XX/XXXX. My payment for XX/XX/XXXX, was {$270.00} For my credit card. Which left a {$0.00} balance on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Credit Card as late forXX/XX/XXXX. I have called the XXXXXXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, Transunion, and XXXX. Neither XXXX XXXX XXXX, Transunion, nor XXXX  have correcited this on my credit report. I have disputed this 5 times with each, with no correction. XXXX XXXX call me on XX/XX/XXXX, and XX/XX/XXXX and both times apologized, and said it would immediately remove the late payment from my credit reports. They have not, and every time I call, they say they see it noted that it should be deleted. They even sent an email which stated they had a computer error in XX/XX/XXXX and would correct everyone 's credit report, because it listed an error of late.
Received call after call all hours of the day on my cell phone while im at work. Then not sure how this happens but my phone would just play the debt collection recording all by itself with screen locked in my pocket every half hour for entire day all hours of day and night. i would be on my phone using it for something else the message would play. phone in my pocket at doctors office for an appointment and outloud on speaker the debt collection message would play. That should 100 % be illegal. I called to ask them to stop and they denied it. i didnt set my phone to play this message every half hour 24/7. I had to take my phone to XXXX and they ended up doing a factory reset.
Hello, I have a judgment appearing in the public records section of my credit report on XXXX and Equifax. This item has been removed from my XXXX credit profile. My concern is that the date appearing on the item is different on my XXXX and Equifax credit profiles. I 've disputed this a couple of times and never get a satisfactory response. I do not want this item to remain on my credit profile longer than it should be. At this time my dispute is not with the company that filed the judgment, but with XXXX and XXXX for reflecting the wrong date. This judgment was filed against me in XXXX XXXX, so it should be up for removal in XXXX XXXX. I 've included a screenshot of what appears on my credit with all three major Consumer Reporting Agencies, including how it reflected with XXXX prior to removal.
I have been the victim of identity theft the following accounts were not opened by me : 1 ) XXXX  Acct # XXXX 2 ) XXXX  Acct # XXXX
Bought a home and got a Grant Deed, then there was a loan agreement to sign, it was not after all it was a security agreement instrument that i did not see at closing, only part where is said XXXX- rider, i called title a few years later and asked if i could get all docs, she sent them, and saw that my name was forged on the security instrument and she said it looked like there were two closings. I only went to one. The originator was from XXXX XXXX XXXX and went out of business 1 month after however there is a parent company think it is called XXXX. As you will see on the XXXX rider the first signature is mine sideways, but all other below and initials are not mine, it is larger and rounder letters. Not sure if XXXX or whom did it. California Penal Code Section 115 ( a ) It is a felony to knowingly file a gorged or false document with any public office. Now title and county records is part of this crime against me. My home is being sold at auction and aiding and abetting this crime. XXXX, XXXX, XXXX XXXX XXXX XXXX, Quality Loan Servicing Corp., XXXX XXXX XXXX XXXX XXXX parent Company. I need the trustee sale stopped asap, and my claim paid that was sent to me by XXXX for the foreclosure crimes class action law suit that was never paid to me, I sent in my bill, in 2016 never got paid. There was never a loan. Only a fraud security instrument, and non-disclosure of showing me what they were doing XXXX or XXXX. Here is the documentation, i am not in court if i do go back it will be to impeach the judge for treason, she dismissed the case for no Jurisdiction. It has been 10 years fighting against deaf ears, the Trump admin. has my docs now. Please help immediately. Thank you
3 1/2 years ago I move to XXXX from XXXX XXXX XXXX. I was trying to sell the house in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on a short sale. My realtor and the broker were working with the mortgage company ( Green Tree Financial ) to try to sell the house. Several buyers were rejected by the mortgage company until two years ago in XXXX 2014 when I received a court order for what appears to be a foreclosure notice. In the court order it names XXXX, DBA XXXX as the note holder. After that I started receiving monthly bills for the mortgage from another company named DITEQ. At this point I do n't know if the foreclosure still ongoing. I have no idea who is handling the foreclosure notice ( either Green Tree financial or DITEQ ). Bottom line I need the foreclosure to be completed and stop this suspense that is causing nothing but health problems for me.
I bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX  twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

XXXX XXXX
I have been a member in good standing with the XXXX XXXX XXXX XXXX XXXX and have never had a late payment on any of my loans, or credit card payments. Then in XXXX, XXXX, XXXX, and XXXX of 2017 I was 30 days late on my credit card payment. The reason for that is because I was not receiving electronic payment messages. So I missed these payments. I have since had the credit union send me paper/US Mail notifications when a payment is due. So because of not receiving the electronic payment messages I now have a negative entry on the Credit Bureau Reports. I have never had bad credit before and I am looking to but a retirement home and can't do that currently because of this Credit Mark on my credit reports. I have tried working with the Credit Union on this issue and they tell me they can't do anything about it.

I have also had Experian look into this matter and they say the Credit Union said this is not their fault, even though I did not receive electronic messages regarding due payments. 

Is there anything you can do to get this mark on my Credit Reports removed so I can move forward again with preparing for my retirement? 

Thanks for your assistance in this critical matter.
Did not receive XXXX paper statement in mail. Confirmed US Mail option is checked. Called cust serv. CSR said that paperless option must be checked. Not true, I 've historically received paper statements and I confirmed before calling Citi that paper option checked. They refused to credit {$25.00} fee. I cancelled this CC account. Very disappointed in Citi as this appears to be fraudulent and a means to a money grab.
Lease account was paid in full and closed in XX/XX/XXXX, as can be seen on credit report. XXXX XXXX reopened account in error in XX/XX/XXXX. Tried working things out with XXXX XXXX directly, after which they assured that my credit score would not be affected as the account was reopened in error. The following month, the account appeared on my credit report as 120 days past due. At that point, contacted XXXX XXXX again, at which point they assured that they 'd fix the issue quickly on their end. After another 8-9 months of no change, I submitted a dispute through Transunion in XX/XX/XXXX. The Investigation was completed and resulted in the disputed information being updated and corrected on my account on XX/XX/XXXX. On XX/XX/XXXX, I received an alert from my credit monitoring service, stating that the account had been reposted as delinquent by XXXX XXXX. Currently on hold with XXXX in figuring out the easiest way to, once again, get this corrected.
I had a XXXX XXXX account in XXXX. It was first reported delinquent in XXXX. The account was paid and should have been removed from my credit bureau in XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... Transunion, XXXX and XXXX.
I have just received several different credit monitoring alerts from my identity monitoring service, ( see pics attached ) alerting me that my personal info is still be sold, used and transferred for use on the black web, I have completed a complete FTC ID THEFT report along with a local police department report and several other documents with proof of my address at times fraudulent accounts were opened and created. I am afraid that equifax is continuing to allow these very same thieves to report inaccurate invalid accounts to my credit report, one of the addresses that I just received the alert on is connected to one or more of the accounts that equifax continues to report under my name, for which I have never lived at the address. once more I demand that these fraudulent accounts not be allowed to be entered onto my credit report. all of the other bureaus including third party agencies have all removed and stopped these fraudulent creditors equifax continues to report the following invalid accounts that have been also removed from the other credit reporting bureaus but not equifax XXXX XXXX # XXXX XXXX XXXX # XXXX
XX/XX/XXXX, I was charged {$1400.00} at Bloomingdale 's department store in XXXX for an online purchase. 

Citibank called me, asked me if I made the purchase, I said no, they reversed the charge and credited my account the amount. 

XX/XX/XXXX, I received notification that the charge was being re-issued after Citi claims they were provided information showing the charge was shipped to my house in XXXX, and that the investigation was closed. I called Citi, Bloomingdale 's, back and forth, both company 's kept saying the other would handle the dispute, neither did. Citibank did tell me that in order to recover my funds, I'd have to prove the item was never shipped to my address. 

Bloomingdale 's finally put me in touch with their own Fraud Research Group who told me that they had information stating that someone contacted Bloomingdales after the purchase was confirmed online from an unknown number and changed the shipping address to an address in XXXX, XXXX. I attempted to give this information to Citi at their original request, but they maintained the investigation was closed. This was still in XX/XX/XXXX. XXXX XXXX has given me a XXXX tracking number, which I've since forwarded to XXXX and asked for their help regarding this matter. 

I've also taken matters to the police in XXXX.
This debt is being disputed directly with the university. Regardless of that fact they sent it to an aggressive debt collector. This collector has called almost daily and today called a family member who is in no way connected to this disputed debt. On this call they did not disclose they were a debt collector, which is illegal, and they were trying to verify my information.
I am one of many that has become a victim of the EQUIFAX hack and believe that providing me with one year of credit monitoring service will not keep the hackers from selling my information to XXXX XXXX so they can steal my identity and cause me to become homeless. I am writing this because unfortunately you guys are the only ones honest and with the resources to correct this problem before it turns into a nightmare for the little guy!! Any info and/or actions you can provide will be greatly appreciated by me!!!
I was charged a $ XXXX late fees on a monthly basis after I enrolled in auto-pay with Macy 's credit card, which totalled {$230.00} plus {$10.00} interest for this year alone. I authorized the auto withdrawal from my checking account on XXXX/XXXX/XXXX when the billing due date was XXXX each month. Macy 's changed it to XXXX without my knowledge and started to charge late fees since XXXX until now based on the two days difference. I did n't notice this until receiveing the current statement yesterday, XXXX/XXXX/XXXX, and called Macy 's, and was only given a {$19.00} refund. When I set up this auto-pay, the due date and withdrawal date was arranged between Macy 's and my bank. I have no hand in the process. I do n't understand why Macy 's changed their due date but persisted on the original withdrawal date so as to create a gap for late fees and allowed it to continue for almost a year? I have more than XXXX other auto-pay arrangements with other businesses, but none of others ever charged me a late fee for any excuses. I believe I deserve a full refund of the {$250.00} charges for XXXX.
Around the end of XX/XX/XXXX, I was checking my credit report on XXXX XXXX and it stated that my chances of getting a XXXX XXXX Credit Card was fair. I went to XXXX XXXX website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX I received a confirmation email that my new XXXX XXXX Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with XXXX XXXX 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. XXXX XXXX should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.
I was notified on XX/XX/XXXX by the fraud department from my Barclays rewacard that a charge from XXXX for {$4700.00} was trying to be an issue I contacted the company and told them no meanwhile I've been in billing issues with them since XX/XX/XXXX where they have had me at collections twice with the same issue no final bill to this date that the charge was reversed and a new card was issued. On XX/XX/XXXX of this year XXXX with the new card again ran the {$4700.00} and that I was told later after investigation from several departments and several people and the case number I have is XXXX after six months trying to get to send them back they credit me back {$1200.00} when I contacted my credit card company again I was told it it was coded incorrectly as a fraud and not a billing issue so a Other case number had to be open that is not correct I was able to speak with a supervisor name XXXX and was told that they go by algorithms and this is why I was allowed to exceed almost 59 % of my credit limit now I'm over the credit limit in collections twice and no final bill from the vendor who actually I have asked my credit card company if I had gotten into a store and tried to charge {$4700.00} it would've been denied I do not understand algorithms and this should've never been posted on my account they have ruined my credit I need help thank you When I asked the supervisor if I had of walked into a store and tried to do that with the algorithms work then and she could not answer that question she also couldn't understand why it would exceed that much already owe them {$2400.00} and my credit limit is only XXXX they have doubled my credit profile causing me to lose 49 points in one day on my credit report
I bought a used vehicle from car mart in XXXX Alabama the next day the vehicle breaks down and I bring it back they would not cancel the finance instead they say they will repair it well after it being gone for months I get it back mind you paying them for a car I didnt have it breaks down again i never even had a chance to buy a tag for it. They the. Refused repair and I told them to fix it or give me another and they refused both I then told them I will hold payment until its resolved they then repossessed the vehicle and sold it and reported it to my credit. But even when I bought the car no loan was reported no payment were reported so how can they report a balance due for the full amount of the vehicle?
I have a Consolidated Stafford Unsubsidized student loan that is serviced by Navient Solutions Inc. This specific loan can not be payed-off online. However, whenever I call the customer service number, all payment related questions/requests are routed to the online website or automatic message. Basically, there is no way to speak to someone so I can pay off my loan. This is extremely frustrating and basically does not allow me to pay-off this loan which seems illegal.
Since XX/XX/XXXX, each and every month thereafter through XX/XX/XXXX, I have disputed the following via Certified Mail to both the Credit Bureaus AND Chase Mortgage, requesting updates to the incorrect information on my Credit Files ; and to date, no response from either the two Credit Bureau and / or from Chase Bank Mortgage : : XXXX : a ) CHASE MTG Acct No. XXXX b ) CHASE MTG Acct No. XXXX XXXX : a ) CHASE MTG Acct No. XXXX b ) CHASE MTG Acct No. XXXX I request that the said Credit File Information be updated accordingly or t provide an account payment history ; and to explain why Chase Mortgage rejected over 80 payments from XX/XX/XXXX through XX/XX/XXXX.
paid " interest-saver '' payment to capital one, then still was charged interest. spoke to their customer service and they stated " you must pay this 2 months in a row to avoid interest ''. no where in their billing statements or website does it stipulate this additional requirement. customer service refused to remove my interest charge.
I have been a Wells Fargo customer for many years and the fees and charges they keep piling on Im questioning the legality of these actions. Ive fallen on hard times and normally live paycheck to paycheck and on occasion overdraft. Wells Fargo charged multiple overdraft and insufficient fees which hinder getting things back on track. They always authorize the overdraft seemingly to just brutally charge the consumer many many fees. I had good relations with the employees at the XXXX XXXX branch but this is higher than them. An investigation into this would be greatly appreciated. Please help.
Navient called me a while back telling me I had to sign up for one of there loans repayment plans set and what they think I should be paying even if I can not afford the payment or not and if I dont pay the amount they set I will be delinquent, I have done my best to ask them to let me pay back monthly at {$22.00}, they basically making it very difficult for me to afford even paying them back at XXXX something a month I can not afford that. So I have tried to make payments of XXXX dollars every month this is the first month so I place my bank info on their website like they asked and the first payment never went through so they sent me a letter via my online account with them, I tried to pay them again on their online portal using my bank info on the day of the due date they just email me saying I missed a payment and I am very frustrated because they are not willing to work with me, I will keep paying what I can and keep documentation of every payment I try to send and they dont accept online - I have worked very hard on fixing my credit and I will not allow myself to be pushed around by Navient not accepting my payments.
On XX/XX/XXXX and XX/XX/XXXX a representative from Capital One Auto Finance called me by the name of XXXX. He would call, let the phone ring and when it stopped he would call back right away. He did this three times in a row and would leave a message. This happened on the two above dates. 
On other instances Capital One would have representatives call and leave a message and then call back two more times within one to three hours after the message was left. I contacted Capital One through e mail to advise of those instances. 
I called Capital One today and advised them of the how XXXX was making his phone calls and that it seemed harassing. 
I advised the representative that I would be filing a complaint with the Federal Trade Commission and with the XXXX XXXX XXXX so there would be a public record. 
She did say she would get this taken care of and have it looked into. She offered to transfer me to the office of the president for Capital One. I advised her that it would not be necessary since I sent an e mail on the first instance and had a voice to voice with her. I advised I was filing this complaint because I had already contact Capital One about leaving a message and them making two calls afterwards and then this happened.
In XX/XX/2016, an i.d . holder I use for my ATM card and my public benefits card was lost or stolen. Unfortunately it also contained a post-it note with my PIN number on it. I did not realize at first that it was gone. It was only after the bank sent me a letter about a deposit I had not made that I realized I had lost them or they had been stolen. I went to the bank to dispute the charges, but I only speak Spanish and it was difficult to communicate with them. Later, a lawyer who is a friend of the family helped write a letter to the Citibank Fraud Dept. for me, but he is a criminal lawyer and could only give me limited assistance. The Bank said they did an investigation and denied my complaint. They said the activity on my account was normal and the amounts were in range, there was no indication of a suspicious use of the card, that the questionnaire I completed was inconsistent ( probably because I do not speak English ), and that the audit was not consistent with a skimmed card. This investigation was not proper because the conclusions do not agree with the documents. The activity was not normal. I deposit money from the same source every month and make withdrawals in small amounts. During the weeks in question, checks for XXXX were deposited in my account and withdrawals for XXXX were made. I got copies of the checks, and it is obvious that the identity thief forged my name. I filed a complaint with the police and they are investigating. I never said the card was skimmed. I said my ATM card was lost or stolen. There is no way that I would have forged checks and deposited them to my own account when I just would have had to pay the money back myself after the checks were no good. I work hard as a home attendant and my daughter is XXXX. The only income I receive are payments from my employment and my daughter 's XXXX check. Several of the checks deposited were drawn on a Construction company account. I have never worked in construction. It makes no sense. I have several accounts with the bank. The one with the fraud is the one I use to deposit my daughter 's checks. They have frozen the one where I deposit my work checks. They say I owe them {$11000.00} because of these fraudulent checks. But I never made the deposits or the withdrawals.