WillisBack/dataset-financial-user-claim huggingface dataset:
During my relationship with Nationstar as my mortgage holder, they tend to lose or misapply my mortgage payments to completely unrelated accounts at least once and in some years twice. XXXX has done this with my XX/XX/2016 payment which exceed the amount due and was sent in the form of XXXX cashiers checks and XXXX small money order totaling XXXX. The loan account number was written on each and a cover letter was also provided. I called them in XX/XX/XXXX when I received a notice concerning the XX/XX/XXXX payment. on XX/XX/XXXX, the gentleman on the phone at Nationstar confirmed that they had just received the XX/XX/XXXX payments and he could see it in his system. He could also see the wire I had sent earlier that day for the XX/XX/XXXX payment. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX that they were threatening foreclosure and I was owing a payment. I called Nationstar and spoke with a person named XXXX who was useless in identifying my earlier conversation that had said he could see the checks. The threats to foreclose and the mishandling of my payments has increased since my house is no longer underwater in value to debt. Nationstar is either deliberately putting my account n jeopardy or is grossly incompetent
On XX/XX/XXXX and XX/XX/XXXX, I made 3 deposits to the company Coinbase to purchase digital currency ( Bitcoin, Ethereum, and Litecoin ) in the amounts of {$160.00}, {$100.00}, and {$160.00}. I left the money in my coinbase account and did n't use my account. 

On XX/XX/XXXX, I attempted to log into my account and got the message " Sorry, your account has been temporarily disabled and please contact support. '' I contacted their support team and got the response, " Hi there, I sincerely apologize for the delay. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. '' I followed up with their customer support team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response. I feel like coinbase has scammed me out of my money and have not  received a response to my concerns. Is this even a real company or just stealing people 's money?
Wells Fargo listed a mortgage account on my credit reports. 
I contacted them to be told that they had nothing in their system under my name, SS #, address etc. and that I should dispute via credit reports. 
I disputed the tradelines. 
They verified them as correct. 
I have never been able to get any information out of them or to even admit the accounts are on my credit reports. 
Later, a different lender pulled my credit. 
I called them to find out why. 
They also claimed not to have my info in their system, but told me if their name was on the inquiries it means I was on a list of loans they bought that had been in foreclosure. 
I told them I never had a loan go into foreclosure-they had no answer.
On XX/XX/XXXX I sent a check with the payment stub to XXXX XXXX in XXXX Fl. This amount ( {$78.00} ) was the full amount due on my XXXX store card. On XX/XX/XXXX I received a letter from XXXX XXXX stating they received the payment stub but no check. I looked at my check register and checkbook. The check was made out and dated XX/XX/XXXX. I then went to the web page of my bank and looked up the status of the check in question. The site had a copy of the check front and the back. The back of the check was endorsed and funds paid. I called XXXX XXXX and spoke to the customer service rep. He continued to insist that the check was not sent. I told him that the bank has a copy of the cashed check. He told me to go to my bank and fax them the copy, he gave me the fax number. On XX/XX/XXXX I went to the bank and had the teller fax the info. On XX/XX/XXXX I once again called customer service and spoke to XXXX. He said that no fax had been received and that I owed the full amount today. He insisted that I pay him over the phone. He would not discuss the fact that the bank has a copy of the cashed check.
After checking my credit report I discovered accounts and debts on there inwhich I have no knowledge of, I also understand that I been a victim of Equifax breach, so now I'm writing in to get the following accounts/ collections rightfully removed from my report the accounts in questions are reflected by the following dates, XXXX, XXXX, and XXXX
I submitted a dispute for XXXX XXXX, and Equifax confirmed that they did receive my dispute and submitted it on XX/XX/2018, it is XX/XX/2018 and this account is showing disputed. I called yesterday XX/XX/2018 and spoke with one of the representatives and he states that it is still under investigation. I has been almost 2 months and they have not removed this account from my credit report. From my understanding a company have 30 days to respond to an investigation, but XXXX XXXX has failed to comply. I then called again to ask that this account be removed from my credit report and another rep stated that the account was not in dispute and she have to send another dispute. I asked her what was the result of my dispute from XXXX and she said she did not know.This is seriously a violation, your company gave XXXX XXXX  more that 30 days to respond and they have not. This is unfair to me because my credit score has suffered from this invalid account, that Equifax could not get the company to respond to their request for validation, but then try to sweep it under the rug.
I was turned down for an " easy pay '' plan with a large company, and I found out hat it was because Equifax turned me down when the company sent Equifax my name. I got a copy of my Equifax credit report. My credit history with them looked fine BUT my " personal information '' had some problems and therefore, they ( apparently ) could not confirm my identity for the large company. Here are the problems : ( a ) The employer listed as my current employer is a company I worked for from XX/XX/XXXX-XX/XX/XXXX! Equifax HAS fixed that. ( b ) Equifax has the wrong birth-date for me ; they are off by one month. To correct that, they say I need to send them a copy of my Social Security card *and* my driver 's license. I told them that I refuse to do that. ( I was talking to a woman in the XXXX ). I will not send copies of those sensitive documents to correct an error made by Equifax, which has had a huge data breach.
The company that I am formally accusing is PayPal for their loss of a payment submitted to them from this past XXXX for {$79.00}. The payment was submitted via money order from XXXX. I contacted XXXX, they said the order was cashed on XXXX XXXX. Whoever the person was that cashed it, I have no idea! I am not responsible for this bout of incompetence, I have the stub from the money order. I have tried being patient with these XXXX but my patience has run out! I have to obtain the info in the money order to submit to you along with their latest bill. I am out of patience with these XXXX, and I am sure you have your share of complaints against them. I also wish to bring charges against PayPal!
Amount of {$3400.00} was wire transferred out of my checking account on XXXX XXXX, XXXX. 
It was unauthorized and I do not know who the recepient of the money is. 
I contacted Chase on XXXX XXXX to claim this anauthorized wire transfer. 
Chase told me that they will investigate. 
1 week later, I was notified that they DENIED the claim. 
They explained that my wife 's mobile phone was used for this transaction, which is NOT TRUE. 
I asked for more information ( ie : exact time of the initiation of the wire transfer since it has to be done on computer, chase mobile banking does not allow user to add a recepient of the wire transfer. It has to be done using chase.com on a computer, last login time on any device using her ID, etc ), but they refused to provide any information other than my wife 's phone was used for this matter. 
The Chase wire transfer claim department is NOT TAKING FULL MEASURE TO SOLVE THIS PROBLEM. 
Now they concluded that this is indeed NOT A FRAUD.
Lost one Receipt for $ XXXX purchased XXXX Cashier 's Checks by cash refused to be cashed with myself as remitter with receipts from PNC Bank . I like the money back. My name is XXXX XXXX Social Security Number XXXX at XXXX XXXX XXXX XXXX, Ohio XXXX XXXXXXXXXXXX.
I recently reviewed my credit report and found that this company ( bonneville collections ) has placed a collection account on my credit report for ; XXXX XXXX XXXX, in the Amount of {$200.00} I do not have any knowledge of this account and this company never sent me a notice to settle this or dispute this prior to placing this on my credit. By law they should have sent a letter giving me 30 days to do this. 


I have contacted them by email about this issue and have not received a response. ( See attached file of email sent to company )
I do not have a contract with Ad Astra Recovery Services. They are reporting a fraudulent collections account to all three credit bureaus. This is affecting my creditworthiness negatively.
XXXX XXXX XXXX Acct # XXXX I originally disputed the information in XXXX concerning this account. The company responded as verified and accurate. I later contacted the XXXX to work out an arrangement. We came to an agreement concerning this account. After several months of contacting the credit bureaus due to the inaccuracy of reporting this account, I would like this account deleted from my file. 

Included are my documents proving that the credit bureau willfully continues to report incorrect information damaging my credit worthiness. The first page is the settlement offer which I accepted on XXXX XXXX, XXXX. The second page is taken from my Equifax report dated XXXX XXXX, XXXX. The third and fourth page is from XXXX dated XXXX XXXX, XXXX. The fifth is XXXX dated XXXX XXXX, XXXX. As you can see, there is no attempt to report the status, grid or comments correctly. There are also gaps in the grids and failure to include date of last activity. 

The second attachment is proof that I did pay XXXX. I included both pages of my statement for completeness. On the second page, you can clearly see that on XXXX XXXX, XXXX, the payment was made to XXXX. If you wish, you are more than welcome to verify this with them. 

Under FCRA Section 623, the credit bureau refuses to correct inaccurate information and I do not wish to seek damages at this time. However, I would like this account deleted immediately.
I obtained loans from XXXX XXXX ( now Navient ) starting XX/XX/XXXX - XX/XX/XXXX for XXXX and XXXX school. Upon graduating, I contacted XXXX XXXX to request an income-sensitive payment plan since I was not making enough to pay the large amount that they stated I owed. I was told that there was a plan to I could do to reduce my payments. The next month, I saw that there was no payment due. I contacted XXXX XXXX to inquire why and they said that I could decide to make payments or not to, but that it wasnt required. I made payments and eventually saw that there was a small amount due each month and then after a while the payment due was huge even though I had been making payments. Flash forward to today where I have been making payments monthly for 5 years or so and my balance is not going down ... at some point the balance actually went up. I have tried repeatedly to call XXXX XXXX to get a transaction sheet of all payments and credits that I have made on my loan and was told that information is not available. I have been trying to get someone to look at my account for years to help me understand why my balance does not go down. After calling last week, I was told that they cant see back that far. I was also told that my loan was put on forbearance and not an income sensitive plan during which time it was accruing interest. I have been making over-payments for the last year and the balance still doesnt go down. HELP!!! There is no way that I can be making payments on time for this long and owe more than when I started with the balance not moving. There is something not right about my account.
I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX XXXX XXXX on XXXX XXXX, XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from Bank of America that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my Georgia address, the only address I 've ever lived.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX  , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, columbus , XXXX. 
Please remove the following numbers : XXXX
Transfinancial did not remove this debt from experian credit reports. It is on their XXXX and in my last cfb complaint they found the bill was paid.
I want to add my voice to the chorus of outrage about Experian, a company who says its dedicated to making your life better. On XXXX XXXX XXXX I applied for a credit report in order to qualify as a co-signer on a loan. It was my understanding from the financial services company XXXX  that it would cost {$1.00} to get the report. I applied for the report online via a link that was provided to me in an email from XXXX. I clicked the link, filled out application form, and received the report. Two months later while reviewing my credit card statements for XX/XX/XXXXand XX/XX/XXXX I noticed charges for {$29.00} from Experian. It took me a while to figure out that Experian had signed me up for a membership of some kind. Tried calling membership cancellation and was on hold for more than an hour. Tried calling every number I could find to talk to a real person at Experian with no luck. Finally I selected Technical support from their automated call system and a nice young man named XXXX cancelled my membership and explained that he was able to refund only one of the charges. This company who says that they want to protect consumers against credit fraud -- needs to examine and revise their business practices. If this is the way they choose to generate revenue, they are at the very least deserving of the kind of reputation of companies like XXXX XXXX for their shoddy and corrupt business practices.
On XX/XX/2018 I went in to Wells Fargo Bank in XXXX XXXX, CA. I was wanting to close my checking account, and in an attempt to consolidate banks/accounts I asked if closing my secured card would affect my credit score or if it would not be worth it to close. The bank teller told me that due to it just being a secured card ( with small credit limit ) it won't damage my score, so I continued to close that as well. However, I was told several days later that it should not have been closed due to it being my oldest line of credit. I went back in to the same Wells Fargo branch and asked if they can reopen my account without another application or pulling my credit score- as I was told incorrect information. They said there was nothing they could do for me. They mailed a check for the collateral balance of {$300.00} which has not yet been cashed out due to me trying to fight this issue. Due to the misinformation I was given at the bank, my credit score is likely to take a significant hit since that was my oldest line of credit by far.
My home loan was sold to a debt collector. From XXXX home loans to Select Portfolio Services. I have great credit and have NEVER missed a payment. Sps does not do any refinancing or loan modification. I ca n't take advantage of getting relief in any form unless I become sell my home for less or become delinquent. 
Since the home is underwater no leanding institutions will assist me. Not XXXX, HARP, HAMP, XXXX XXXX, MY BANK or any XXXX BANKS. 
I was never given the opportunity to search for a new lender nor did I sign any paper work. 
Is this legal? 
I feel like a prisoner with good credit history and it 's unfair, immoral and unjust.
Dear Experian I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Under the FCRA , I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors. 

XXXX XXXX XXXX XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's mistakes Because it does not match my records.
I called this company on XXXX XXXX. The company agent stated she would investigate my concern as I informed her that the debt stated is not my debt and it should be removed. She stated I would have a letter stating the outcome of said investigation in 30 days which I have not gotten any said letter.
KeyBank has consistently posted payments made to my account late. A payment of {$330.00} was mailed by XXXX 's BillPay service, and was confirmed to have been delivered to Key by XXXX/XXXX/2016. KeyBank did not post the payment until XXXX/XXXX/2016, 5 days late. Since the due date was XXXX/XXXX/2016, KeyBank assessed a {$25.00} late fee. A payment sent the next month also posted late. XXXX mailed a check in the amount of {$95.00}, and confirmed it was delivered by XXXX/XXXX/2016. KeyBank did not post the payment until XXXX/XXXX/2016, 6 days late.
After reviewing my credit report I have found information, which needs to be corrected. I originally disputed a collection account from AFNI with Equifax because it was being reported as a collection with a balance. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report due to the XXXX being discharged in my Chapter XXXX bankruptcy. AFNI changed the account to a XXXX balance, but continues to report it as a disputed account, which when run through credit algorithms still projects negatively and effects my credit rating and respectively the percent of interest I am charged for credit. I am requesting that the item be deleted to correct the information. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014. 

The original account AFNI was illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. Thank you for your assistance with this matter. 
Here is the contact information for my bankruptcy lawyer : XXXX XXXX XXXXXXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Fax : XXXX
On XX/XX/XXXX I disputed a collection account with experian. On XX/XX/XXXXthey updated my reported stating XXXX XXXX XXXX   has verified the information and it will remain on my report. OnXX/XX/XXXX I sent a request for validation to XXXX   requesting they validate that the debt owed was indeed mine. On XX/XX/XXXX I received a letter in the mail from XXXX. This letter was not signed by anyone. I have no clue who sent this to me. It was not proper validation of the debt. It is a poor account statement. After reviewing the statement sent and then reviewing my Experian report it came to my that the statement they sent and experian have different information. The original name amount and account numbers are different. I called Experian to have this account removed from my account and they said they can not do that. The already verified the account and stated though they do not receive documentation from the creditors that the creditor did validate the debt. I asked how was it validated if clearly the information reported is inaccurate. Experian stated that I can redispute without guaranties it will be removed but they will not remove the account.
XXXX continues on sending me bills that I did not owe, until they hired North Shore collection Agency. I explained to XXXX several times that I transferred to XXXX XXXX on XXXX XXXX, 2016 before XXXX took over XXXX, and that I fully paid XXXX. I gave XXXX the service discontinuation reference number from XXXX, but this did not work. I spoke several times with XXXX ' representatives and was transferred to different departments/phone numbers but nothing works.
I called XXXX XXXX and settleted my debt of {$250.00} on XX/XX/2018. I have payed this off and it still show on my credit report in collections.
How do they come up with these figures. They advertise No Lender Fees and a {$1000.00} Off Closings Costs. How does that come up to {$4500.00} to {$6500.00}??? I would imagine the typical lenders fees would be {$1000.00} with an additional {$1000.00} credit that's more like {$2000.00} where are they coming up with {$4500.00} to {$6500.00}?? I don't understand the math.
Credit reporting agencies has n't delete collections, Unauthorize Hard inquiries and negative wordings on credit report. My credit scores are suffering because of the neglects and Retaliation of XXXX, XXXX and Experian. I emailing a recent credit report for with new case file number to Federal Government to review as evidence. XXXX XXXX. XXXX XXXX and Experian XXXX I am XXXX XXXX and Retired.
Received a phone call from Afni and subsequently a letter dated XXXX/17 from AFNI, Inc stating that I owed XXXX {$2300.00}. I never had a XXXX account. Talked to a XXXX representative and they said they could not find anything under my name or the XXXX account # XXXX ( provided by AFNI, Inc in the said letter ). XXXX asked me to file a complaint with their Fraud department as they told me someone is trying to collect under your name.