WillisBack/dataset-financial-user-claim huggingface dataset:
Credit bureau posted Non verified statement of public records even though they claimed they did verify. 

When I followed up with the court records clerk, to understand how this was possible, they informed me they could not confirm or deny anything on public records. 

So if the clerk of the court can not verify, then that means that the credit bureau verification process did NOT occur contrary to their statement that they certified it was correct. They lied. 

My understanding is that any other third parties are involved to verify or certify information, by law they need to get my explicit permission. No one has contacted me to get my authorization in regard to my information property which also indicated no verification or certification was done, or was even possible.
On XXXX/XXXX/XX/XX/2015 A customer paid a bill at my repair shop in the amount of {$1200.00}. On XXXX/XXXX/XX/XX/XXXX the charge was reversed " taken from my account '' - {$1200.00}. I called Bank of America that day to inquire as to why. I was told that I was sent a letter to dispute the charges if I desired. I did not recieve any notification of any kind, e mail, letter or phone call regarding the potential charge back. I was told I had to pursue this issue with the customer. I have had no success with this. I did recieve a letter from the customers bank card company informing me that the dispute time had passed. I respectfully request that Bank of America return the {$1200.00} Immediately as I had no notice or opportunity to dispute the charge back. 
XXXX XXXX XXXX of XXXX XXXX Bank of America customer since XX/XX/XXXX. 
Phone XXXX Address XXXX XXXX XXXX XXXX XXXX, Wa XXXX
The company name is coinbase and they are holding my account with {$9400.00} in cash. They have deny me the option to close my account and withdraw my funds. 
They say a specialist has to look into my account. I spoke to coinbase staff over the phone and they told me it can take 5 months or more before they look into my case. my account is in good standing according to them but the only answer i get is that i have to wait for a specialist because they have a lot of work. My account was updated on XX/XX/2018 and i been waiting for a resolution since.
Several years ago, OCWEN Financial assumed XXXX mortgage loans I 'd had for several years with XXXX. In spite repeated calls over the past several years to change my mailing address after having moved almost XXXX years ago, Ocwen has failed to make the change. A year ago, I left my job of over XXXX years and also had to change my email address. Again, Ocwen failed to make this change. In XX/XX/2016, after the death of our XXXX son, I failed to make my normally scheduled payment. When I logged in to make the payment in XX/XX/XXXX, I realized my mistake and used Ocwen 's internal system to make 'emergency ' payments on both of my accounts that would post that day for the amount listed as due. In XX/XX/XXXX, when I again logged into Ocwen 's site ( remember, I get NO correspondence from Ocwen because they have never updated my contact information ), I found out that XXXX of the XXXX 'emergency ' payments had not been posted. I also discovered that the minimum payment on the other account had been quadrupled from roughly {$800.00} ( including taxes and insurance ) to over {$3200.00}. I immediately paid the total amount due on both accounts and called Ocwen 's Customer Service support and asked them to address XXXX items : 1. Only XXXX of my payments had been credited from the month before. I did NOT ask Ocwen to waive the late fee they had charged, but simply asked that no late payment would show on my credit report. I had used their system to pay the total amount owed but only XXXX account was credited with the full payment due from both accounts. The customer service representative told me that he would 'open a case ' regarding the matter, but I have never heard back from the company. 
2. I asked that Ocwen update my contact information. I was told by the representative that, in order to do that, I must submit the changes in writing with my signature separately for each account. I have several mortgage accounts, both personal ( primary residence and income property ) and commercial..I have never had a mortgage holder require a written statement to change an address. Every other lender with whom I do and have done business ( XXXX, XXXX and XXXX Credit Unions, all allow changes to be made online after identity verification. I believe it is incumbent on Ocwen to make sure that customer 's can receive statements, communication and notices. I have since sent in the change of address notices ( by the way, I was told that separate written notices must be sent for physical mailing address change and email address change ), but there is no indication on the website that the changes have been made. 
3. I asked that the minimum payment on my mortgage loan be re-instated to the original agreement. The death of our son was an extraordinary circumstance and our loan has been in good standing for many years. I believe that accelerating the amortization schedule on the loan for XXXX late payment is opportunistic and predatory behavior on the part of Ocwen.
So I have worked seasonal at XXXX last XX/XX/XXXX. I've worked there seasonal employment for past three years. And this year was first time I had any issue with payments to XXXX XXXX and Netspend. I noticed my paycheck was added to the card every payday but that i didn't increase balance in which I knew the issue needed to be addressed. I found this out in XX/XX/XXXX but like everyone else attached to this lawsuit I began to question my own issues the morals ingrained in your mind. So I requested a copy of my statement from XX/XX/XXXX to XX/XX/XXXX but I never got one. I kept getting the run around with bogus reason to justify their denial. And so I just felt nothing was fairly represented and to just help in considering certain issues. Without deceiptive business practices and obtaining a certain level of trust.
The promotion for the capital one platinum credit card says that there are no interest charges. My credit card was charged interest charges since it was open on XX/XX/2017. I can not send a secure message because they do not have the option on my account profile page, it is all through mail or phone.
On XX/XX/XXXX, I received an email from American Express Serve stating my card was overdraft {$110.00}. I called American Express Serve and spoke to a representative who stated that when I paid my XXXX XXXX XXXX bill on XX/XX/XXXX, XXXX XXXX XXXX failed to collect the funds in the amount of {$120.00} until XX/XX/XXXX. This person also explained that the grace period for XXXX XXXX XXXX to collect the {$120.00} payment is 7 days from the date of the original transaction which was XX/XX/XXXX. The representative also stated that because the money was not collected in a timely manner by XXXX XXXX XXXX, it was sent back to my account and used for other purchases and when XXXX XXXX XXXX collected the {$120.00} on XX/XX/XXXX there was no money in my account to pay the bill, however ; American Express Serve authorized the payment of {$120.00} anyway thusly putting my account in the overdraft amount of {$110.00}. I later called XXXX XXXX XXXX and spoke to a representative who looked up my payment history and found in their records that the {$120.00} was collected and the transaction completed on XX/XX/XXXX not XX/XX/XXXX. I called back American Express Serve and explained the information I was given by XXXX XXXX XXXX about my payment. I was then informed by the representative that XXXX XXXX XXXX was wrong and that said representative would call XXXX XXXX XXXX and tell them their records were wrong. I agreed to conference call with both American Express Serve and XXXX XXXX XXXX so we all could clear this matter up. We were on the phone for over 2 hours during which 2 representatives from XXXX XXXX XXXX both explained their process of collecting payments and thoroughly went over my payment history with both myself and American Express Serve. Both XXXX XXXX XXXX reps stated that the payment of {$120.00} was collected and completed on XX/XX/XXXX not XX/XX/XXXX. XXXX XXXX XXXX even provided the confirmation number of the payment at the request of American Express Serve. Then the American Express Serve rep said he couldn't use the confirmation number even though he requested it. The XXXX XXXX XXXX rep explained that if an issue with my payment or method of payment was a problem it would show in my XXXX XXXX XXXX account and verified no such problem occurred. The XXXX XXXX XXXX rep then asked American Express Serve for their confirmation number to show there was an issue with the payment to which the American Express Serve representative stated everything is computer generated and the company keeps no confirmation numbers about customers or transactions. The American Express Serve representative then told me that there is nothing they can do to rectify the problem of overdraft although XXXX XXXX XXXX supplied all the information requested and gave confirmation of payment dated and transaction completion. I was told by the American Express Serve representative that I just " need to focus on paying them {$110.00} '' from the overdraft. According to the completed records from XXXX XXXX XXXX and the payment confirmation number of said payment of {$120.00}, I would not have an overdraft payment of any kind.
In    XXXX     of 2017, I w as trying to refinance my house. Currently, my student loans through  XXXX  are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered my  credit score  and it is affecting me not being able to refinance. The way   XXXX   is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told  ), it is   making it look like I am way behind on payments. I do call  XXXX  in   XXXX    2017 and they  said that is how it gets reported and there is nothing they can do. They have also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.
YOUR COMPLAINT I am disputing the debt owed to Select Portfolio Servicing for Acct # XXXX under the name of XXXX XXXX. XXXX XXXX XXXX my loan on behalf of XXXX XXXX XXXX XXXX XXXX, as Indenture Trustee, for the benefit of the holders of the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. I dispute the legitimacy of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.I have asked Select Portfolio multiple times for correct information on this trust and only receive a reponse back about who owns the trust. I need actual information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prove to me that this trust still actually exists. According to my research and in talking with reps from XXXX XXXX as well as XXXX XXXX, i can't get anybody to show me recent records of this trust. In my mind it doesn't exist and I dispute the legality of Select Portfolio Servicing actually collecting on it. I would imagine sind the are representing XXXX XXXX in collecting for this trust that they would know all about it and be able to show me evidence so that I could get this mortgage back on track with a peice of mind that my money is going where it should. If you look at my earlier complaints and the response I have gotten from Select Portfolio you will see they refuse to give me the exact information I am asking for. 
The foreclosure date of XX/XX/XXXX should be cancelled and they should give me what I need to get things moving forward.
I want to temporarily remove a freeze from Experian. I submitted all the necessary information both online and by phone several times today, XX/XX/2018. I have been repeatedly told that they can't process the information " at this time ''. It is IMPOSSIBLE to speak to a live person on the phone. You just get the automated responses. This is extremely frustrating and time consuming. 
Terrible, or I should say, non existent, customer service.
On XXXX-XXXX-2017 I noticed on my Equifax report that my available credit went from around 10-11k to XXXX. I noticed there were a whole bunch of things that were removed without my consent. I contacted two of the creditors who stated they would send the information to Equifax. I then contacted Equifax and spoke to a representative who stated they did n't remove it but the creditors requested it removed. I asked for a supervisor and also contacted one of my creditors to do a conference call so she can tell them they never requested the account removed. When the supervisor got on the phone, I informed him I had XXXX on the phone. The rep from Equifax then became very hostile and kept saying he can not do a conference call. He then proceeded to hang up. Again, this company is crooked, they do n't do disputes and they remove whatever they want and then blame it on the other party.
This is to check on the status of my previous complaint against Bank of America. Complaint number : XXXX. I sent a subsequent follow stating that Bank of America did not address my concerns. I have not heard the status of that second follow up. Also, The link from CFPB that was emailed to me is no longer working. Please advise.
I was making regular payments to my home mortgage for a few years. My loan was eventually transferred to fifth third bank. I setup automatic payments through my bank. Fifth Third bank did not have an online payment method for non-checking account customers. At some point without my knowledge, my total payment due changed and the previous amount I setup did not cover the full amount. The bank did not apply my partial payment and stated I was late. I called Fifth third bank to rectify. They waived the late fee and said they would work on removing the record from my credit statement. I was able to immediately make the missing balance payment and have not been late since. My credit score has been severely negatively affected by this.
I have received several forbearances on my loan while being unemployed, and the interest has compounded unfairly on my principal balance. My payments have been so low, I have unknowingly increased my loan balance significantly.
I already submitted a prior claim on XX/XX/18 regarding the same issue with this company. I revoked ACH and debit authorizations and the company still debited my account. After I submitted my claim the company 's customer relationship manager spoke with me. I explained that I revoked my authorization and she acknowledged they mistakenly debited my account and they credited my account back the following week. I also explained that I am going through severe financial hardship after separating from my husband and raising XXXX small children. She said she would work with me on the account and give me a few months to work things out and then my account was debited AGAIN on XX/XX/18 without my authorization causing me additional financial hardship because my rent is late due to a debit in the amount of {$300.00} that I was not aware of and DID NOT authorize. I now have late fees to pay on top of everything else I am going through. What so I need to do to get this company to stop debiting my account without my authorization?
Received a notice that I was declined a card from Chase Bank USA, N.A. I have not applied for a card with them, so I called them. They said the card was for Amazon, which I have also not applied for. They also said they would n't do anything about it because it was for Amazon. I 'm not sure why they would n't care about fraud with their company name involved. I have looked online, and this is not a new thing, but obviously it needs to be addressed.
Capital One is reporting inaccurate information on my credit report as to late payments from a credit card I had with them which is negatively effecting my credit. I have tried to dispute via the credit agencies in which Capital One is ignoring. I even contacted Capital One but they advised they sold the account and no longer have control of it. This is for a credit card that had a credit limit of {$300.00} and was opened in XX/XX/2011.
I just gained access to my credit report and noticed that Amcol Systems has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their are XXXX collections on my account that i never knew anything about.
A {$110.00} on line bill payment was made to  XXXX  automobile policy  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / 2017  via m y KeyBank DDA   XXXX . The payment never found its way to the account at  XXXX .     After  KeyBank  provided a proof of payment that was faxed to  XXXX  in early  XXXX   2017 ,  XXXX  confirmed that the funds were located and that they would refund the {$110.00} back to me. I have yet to receive the funds and neither  XXXX  or  Key have b een of any assistance with location of those funds.  XXXX  advises that the funds were sent back to the bill pay er 3 - 5 da ys after a discussion on  XXXX .     Please help with locating funds and routing to  my KeyBank  DDA  XXXX .     Thank you
Stellar Rec has previously tried to collect a debt from me which I do not owe. Further they add it to my credit report as if it is a new debt, thus, re-aging the debt as a new one. This is a nefarious tactic they are using to compel me to pay them off. I have initiated dispute alerts with all credit reporting agencies and spoke with a Stellar Rec agent, today.
I would like CitiFinancial to please take off all of my closes accounts from all three credit bureau so I can have a clean report. Thanks
XX/XX/2018 Asher collection services inc XXXX open charge is XXXX this debt appeared on my XXXX  XXXX  and debt was solved over two years ago.
My loan servicer is MyGreatLakes. On XXXX XXXX, 2016, I spoke with a representative who advised me to apply for the repay program for my loans. During this call, he also represented to me that I would receive subsidized interest contributions through this plan. On XXXX XXXX, 2016, I submitted my application for repay. On XXXX XXXX, 2016, I called to follow up on my loan application and was informed that I did not apply for repay, was on a completely different plan, and that the information I was provided on the XXXX was inaccurate, as there is no subsidized interest contribution. When I asked what plan I was on, they were not able to identify the newly assigned plan. I was told I would receive a call back. I did not. On XXXX XXXX, 2016, I telephoned again to check on status. Still no one could identify the plan I was on or how much my monthly payments were to be. On XXXX XXXX, 2016, no one was still able to tell me the amount. As of today 's date, no one can tell me the plan and no one can tell what my next payment schedule will be.
IT'S BEEN OVER A YEAR THAT I'M BE TRYING TO GET A CREDIT REPORT FROM EQUIFAX BUT NOTHING SEEMS TO WORK OUT THEY SEEM TO BE HIDING SOMETHING FOR THE REASON OF EVERY TIME I TRY TO VERIFY MY IDENTITY THEY ALWAYS GIVE ME THE RUNAROUND. I SEND THEM A COPY OF MY BIRTH CERTIFICATE ID GREEN CARD AND BILLS. THEY REPORTED ME DECEASED AND I FEEL THEY DONT WANT TO GIVE ME ACCESS FOR I HAVE A FRAUD OF IDENTITY AND THEFT I TRY SND TEY AND THEY JUST KEEP ON HOLDING
Hello, I had an item that was deleted from my report reappear again. The account is XXXX/XXXX XXXX XXXX XXXX. Please remove this account from my report immediately. I have an earlier report showing it was not on my report and a new report showing that it is there. Thank You!
The amount was immaterial ( {$97.00} ), was reported to the collection agency prior to being 30 days late, and was paid within 30 days from original report to collections agency ( paid within 60 days total from date amount was due ).
XXXX XXXX Secured Credit Card was paid to XXXX   balance and closed XX/XX/XXXX. 
The card charged {$3.00} per month for paper statements. I had online statements which were free. After I paid in full and closed the card, I get a paper statement in the mail with a {$3.00} fee for paper statement. I call the card service center in XX/XX/XXXX and was told it was charged in error, they are aware of the issue and it will be resolved soon. I was told I did not need to pay the fee and my next statement would show XXXX balance. The next month I got another paper statement and was charged another {$3.00} paper statement fee. I call again in XX/XX/XXXX. Same story, It's an error, we will fix it ... blah blah. But they did have not fix it. I called a third time in XX/XX/XXXX. The call representative said she saw the call records and said she would escalate this issue. I told her I am now being reported as 30-59 days late on my credit report due to these erroneous charges. This error has affected my credit rating and is being improperly reported. All three credit bureaus now report that I have a unpaid balance now of {$24.00} and am 30-59 days late. Capital bank continues to tell me that it is their error, and they will fix it, but now its still not fixed and has adversely affected my credit rating. I have never been late on this card, paid it in full to XXXX balance last XX/XX/XXXX, closed the card and even got my security deposit back.They have promised to fix this Monthly {$3.00} statement charge error but they have not and now my credit has been adversely affected.
My name is  XXXX   XXXX . I have several accounts listed on my credit reports that are listed incorrect information *violations of sect  623  fcra*. Transunion and  XXXX  will not remove this accounts. I have disputed this information and they only will allow me to re-dispute the information which results in the information remaining on my account. I called today to both agencies to have this information deleted, but was advised I had to place another dispute. I can not log in online with either of these companies  (  which I am assuming is due to my continued disputing this inaccurate information. ) The accounts are   XXXX   XXXX   XXXX    which shows  19  120 day late payments ( missed payment violation ) sect 623 fcra states an account cant be listed more than 90 days past due which it shows  120  on both sites.   XXXX   XXXX    account is a violation of a hippa agreement.  XXXX   XXXX   XXXX   XXXX  I have no contractual agreement with and should also be removed from both reports.  XXXX  is an account that shows as a revolving credit which is inaccurate ( this is not a credit company and I have never had credit with them ).  XXXX   XXXX  bank is listed on my reports as charged off but was sold to a collection agency which is also a violation. An account cant be charged off then sold to a debt collector.
SYNCB/XXXX XXXX  XXXX XXXX HAS A BALANCE THAT IS VERY OLD ON MY CREDIT REPORT, I BELIEVE IT WAS RESOLVED AND SHOULD NO LONGER BE ON MY REPORT.
Ditech calls repeatedly on my home phone and our cells, even though we have repeatedly asked them NOT to contact us via phone. We are not behind on our mortgage payments. I am tired of the daily harassment!
Opened Business Checking account with Bank of America on or about XX/XX/2017. Terms stated that " Make at least {$1000.00} in Qualifying Deposits ( less cash received ) into that new business checking account within sixty ( 60 ) days of account opening ''. I in fact funded the account with {$3000.00} within the first 30 days from a third party bank. Given the account promotion, I should have been credited {$200.00} for this account opening and funding. 

Bank of America sent a letter the end of XX/XX/2017, indicating that qualifying bonuses were not met. I have requested that Bank of America investigate this, but have not gotten a response to date.