WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX did not correctly enter my check information and subsequently reported me as 30 days late to the credit bureaus. I tried correcting the information, but XXXX XXXX   refused to help me. 

It is unfortunate, but XXXX XXXX Customer Service representatives are in Third World countries and their English is often very poor. Due to that problem, they often they are unable to understand the information given and make mistakes. While XXXX XXXX may be saving money by using offshore representative, I am the one who is paying the price for their errors. Since the Customer Service representative got my check payment information wrong, the payment was subsequently rejected and now my otherwise perfect credit is showing one 30 day late payment.
On XX/XX/XXXX I sent a letter to XXXX, XXXX, and TransUnion for this inaccurate account that I found shockingly showing on my credit report. XXXX  could not verify the account with the third party collector to be valid so they removed the item. XXXX  and TransUnion responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX  could not verify the debt and I can not get the debt validated by the actual collection agency XXXX but XXXX, and TransUnion claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.
I just completed a chapter  XXXX  bankruptcy that included the   XXXX   XXXX   XXXX  home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX   XXXX   XXXX  home loans should now read closed.   XXXX   balance.
Dear Officer, My discover cashback debit account ( 8359 ) has been posted with a check withdraw with the amount {$4800.00}. However, it turned out the check is not wrote from my account, and the people who wrote the check is not related to me at all. It was Discovers '  system error that mistakenly link my account to somebody else 's check.However, if I did not notice this transaction, my money will be transferred out of my account. 

It was the 2nd time that I found out Discover bank posted a completely unrelated check to my account. I can not rule out if there are other wrong transactions that I am not even aware of. I have to fill an official complaints to protect my rights because this type issues happen over and over again. 

Due the lack of safety and accuracy by the Discover system, it costs me financial loss as well as tons of my time to communicate again and again with their customer services. Therefore, I urge the bank to give me an official solution to prevent from these issues and pay me compensation for all my loss in money and time because of their wrong-doings.
If what I 'm addressing is not considered a valid " complaint '', I certainly would like for you to explain why and what actions I can take to change this reporting. Yes, I filed Chapter XXXX Bankruptcy in XXXX XXXX and was discharged in XXXX XXXX and yes, I did include my mortgage company XXXX based on my attorney 's request for documentation on ALL monies owed. He said I would be able to " keep '' my condo and I was within the law to do so. What I do n't like is my credit report is showing this account as " included in bankruptcy '', which is correct, but my account with XXXX as " closed '' which is incorrect, thus nothing is being reported pertaining to my mortgage payments. I have never been late on any mortgage payments nor have I ever missed a payment and this is not the first property I 've owned. Regardless of whether the " law '' requires it to be reported this way, it should also be required to report that " this owner continues to pay her mortgage in a timely manner '' and the mortgage company should be reporting this to them just as they would, I 'm sure, if I were a day late. This irritates me, because my report reads to me as if I am a consumer who has gotten away with paying my mortgage. Maybe by Bankruptcy Law it is true that " by law '' I no longer owe this debt, but this is an FHA backed loan and I am a somewhat intelligent XXXX year old senior, who has absolutely no intentions of " leaving her home '' nor stiffing FHA. If I would have been told by my attorney that I would lose my Condo, I would have told him " well, we can forget the bankruptcy, and the credit card companies, and those I owed medical expenses to for myself and veterinarian bills after my dog who had to have XXXX in XXXX, would just have to sue me in court, because I would not put myself out on the street. Once again I say, if that is the way the laws are written and reported where Bankruptcy is concerned, then I 'm asking you to inform me as to what I can do to get my true record reported, as it stood then and still does today, also reported on my credit report at the same intervals they were reported previously by the mortgage company. I 'm not asking that the record of Bankruptcy be removed, that 's a matter of public record, but I am asking that how I continue to pay my obligation be reported as " true '' credit reporting.
I had sent an Monthly Payment for my Mortgage Payments to the Wells Fargo Home Mortgage from my Checking Account at Wells Fargo Bank in XXXX TX. This was a regular thing for me. This instance happen in XX/XX/2012. Eversince then Wells Fargo Home denies receiving it and Bank says they have sent it. They have Slept Interest, Late Charges and my XXXX payment to close XXXX and they constantly harass me to get this money from me. Can Your Agency help me get the redress from this Big Bank and save my Credit.
I applied for a Barclays credit card with XXXX rewards this past month. I got a letter stating that I was not approved due to the number of bankcards opened within the last 24 months. 
At the time of my request I had a credit score of XXXX per their rejecting letter which I am attaching to my complaint. 
I feel at this time they are not giving me this card due to the fact my last name is XXXX. 

Can you please look into this matter for me as I have a credit history with a good score so there should had been no reason to not approve me. 

Thank you, XXXX XXXX Application number is XXXX
XXXX Mortgage has been reporting delinquencies to the credit bureaus for XXXX XXXX through XXXX XXXX. I did a modification of mortgage with XXXX as servicer for XXXX in XXXX through XXXX [ XXXX ID : XXXX ]. In a letter from XXXX they confirmed that they did not obtain this loan as a result of the XXXX Chapter XXXX XXXX bankruptcy filing under case XXXX. The servicing rights to the loan were sold to Green Tree Servicing and my account number with them was XXXX. XXXX did an Assignment of Mortgage to Green Tree Servicing on XXXX/XXXX/XXXX and it is recorded in Official Records Book XXXX, Page XXXX, Public Records of XXXX, Florida. After the Consumer Financial Protection Bureau and the Federal Trade Commission fined Green Tree, Green Tree Servicing merged into a new company called Ditech XXXX XXXX, who is now the servicer only has records back to XXXX XXXX per a letter I received from Ditech on XXXX XXXX, XXXX. I have disputed this incorrect information being reported to the credit bureaus and they have come back as 'verified ' but none of the entites remain except Ditech who does not have any information in their records from prior to XXXX. This is an issue I need resolved.
I have a loan account that was shows closed on my credit report, and this was happened from the company side as the sold the loan to a different company and since the loan shows closed and this impacts my credit score and i have to deal with lower credit score and closed accounts that make my credit report look unappealing. I have my wife and my son also on the loan account which means they also have the closed account showing on their reports as well, all i want is that closed account taken off our credit reports. 

Closed account name : - XXXX XXXX XXXX XXXX All i want is this closed account taken off our reports as this change in loan company wasn't our fault.
USI Solutions Inc. has contacted me about an old credit card that was a charge off. I settled the debt with XXXX XXXX XXXX in XXXX of 2015 which is the company listed by the creditor. USI has continued to contact me about the debt even after I provided them proof of settlement through XXXX. The credit card number and amount that USI has are incorrect according to XXXX ( the original creditor ) and XXXX ( current creditor ). They are threatening me with further action and harassing me about the account their account. They have stated that I must have had another account, which I confirmed with XXXX, was inaccurate.
There are 2 XXXX accounts and a XXXX XXXX on my credit report with experian showing as a charge off and a balance and have not been reporting to experian in a couple years ( realizing most likely are not mine ) these are not my accounts experian keeps telling me they are accurate and will no longer investigate these 3 accounts however XXXX  and XXXX have deleted these off my reports after investigating and proving they in deed are not mine please have them remove them right away
I filed a Chapter XXXX bk on XX/XX/2017 on Harley Davidson Financial. I contacted this company and filed several disputes in the past with no satisfaction. They are still reporting me on the credit bureau as the account as open, which is incorrect- ( Following comments in taken from XXXX credit report via XXXX XXXX ) -- -- -.Current Payment Status On Payment Plan Worst Payment Status No Info Account Details Account status Open Since this account is included in a confirmed Chapter XXXX-I want these connotations removed by Harley Davidson
I disputed these Items several times with Transunion did not comply with my certified 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : XXXX has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Re : PNC Bank, Checking Account # : XXXX Whom it May Concern ; I have tried to work out this issue with the bank to no avail. On XXXX XXXX, 2015 I deposited funds into my account for my payment to XXXX in, the amount of {$150.00}, on XXXX XXXX, 2015 and payment to cover check XXXX on XXXX XXXX, 2015 to clear. At that time I did not realize that the payment of {$35.00} to XXXX XXXX, online banking check XXXX, had not cleared to date. 

I am a XXXX XXXX veteran suffering from a XXXX in XXXX and I have compromised short-term and long-term memory. I find it very difficult to keep track of online banking items when they do not appear in the pending section on the online statements. I think it is the statements fault that my account had NSF during this time due to the fact that it made it difficult for me to keep track of the online bill payments. I think the fees should be refunded to me. 

Furthermore, with a limited income that I receive at the beginning of the month, the discriminating bank charges multiple until I am able to reconcile my account. 

Sincerely ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
AARGON is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA.
I am unable to contact the company to pay my debt! I have tried to call, the contact home number on their letter is a XXXX recording. The phone number on their website just rings and rings and no one answers. Also, the registration code they provided to pay online does not work and I have tried on multiple devices. I just want to pay the debt but I have been unable.
A collection agent contacted my XXXX year old mother looking for me about a collection for 2008. My mother called me upset because she was told it was an emergency. 
I contacted the agent back to be verbally abused. I noticed an entry was made on my credit so I called back again and Spoke to XXXX XXXX were I was threatened to be sued.
This letter is to inform you of an issue I had while trying to make my XXXX 2014 and XXXX 2014 mortgage payments online with Ocwen Mortgage. My pay period is the last working day of the month and that is when my mortgage payments are made. On XXXX XXXX and XXXX XXXX, I tried to make the online payment at the website www.ocwen.com, and received a message that the system was down and to try again later. The system would not allow me to make the payment. Therefore, the payment was made via phone on XXXX XXXX. 
My credit report has since been pulled and I was notified that Ocwen is reporting two delinquent payments for XXXX and XXXX 2014. Once I was made aware of this issue, Ocwen Mortgage was contacted on XXXX XXXX, 2014 at XXXX. ; I spoke with a representative named XXXX. I explained the entire situation to XXXX and she informed me that I needed to write a letter explaining the situation to have this issue resolved. XXXX informed me since Ocwen Mortgage took over the loan on XXXX/XXXX/14, Ocwen Mortgage could not send any delinquent reporting 's to the Credit Bureau for 60 days. In addition, I called on XXXX XXXX, 2014 and spoke to XXXX XXXX # XXXX or # XXXX and XXXX stated when the loan is transferred, there is a 60 day seasoning and should not be reported. 
I take great pride in my credit scores and the information that is reported on my credit report very serious. We have been in our home for 17 years and have never had a problem until the loan was sold to Ocwen Mortgage. The mortgage has been sold several times ; however ; Ocwen Mortgage has been the worst. I sent a letter to Ocwen Mortgage to have the delinquencies removed and they would not remove them. It is imperative for Ocwen Mortgage to remove the delinquent payments from the credit reporting agencies as soon as possible.
Navy Federal Credit Union incorrectly deposited escrow funds of into an account without verifying that my name was attached. I have contacted them on multiple times and even submitted a letter to Supervisor of Escrow named XXXX but nothing has been done. I still have not received any monies. I asked if they could put a freeze on the account until we get this resolved and I was told NO. I was told that I had signed a form at my closing and according to the form they followed procedure. I was puzzled because my closing was done at another Title company in which I had asked about the escrow funds. After calling and speaking with XXXX different people with an hour on the same day in Escrow dept I was then informed the form signed was done in XXXX. The representative apologized stating that the form should have been updated prior to releasing the funds since my account was noted for DIVORCE, she then transferred me to the Supervisor named XXXX. XXXX reviewed the document and also apologized and stated she would try to reverse the funds but after being on the phone for about 30 min she stated unfortunately she would have to send this issue to her superior. She then asked if I could email a letter to her of all the conversations I had with Navy Federal regarding the escrow funds so she could attach with it the information she was sending. I called XXXX to XXXX to confirm receipt of the letter and she stated she received it and that I should hear back from XXXX of her Managers to resolve this matter. 

I questioned the escrow funds that I Prior to selling the property in XXXX XXXX, I inquired about the escrow funds when I requested the XXXX Payoffs in XXXX explaining that I was divorced and all escrow funds should be sent to me. I explained that due to a divorce, I was awarded the property and had been paying mortgage and taxes for the past two years. I asked Navy Federal if I needed to send them copies of the divorce decree and was told NO because they do not honor divorce decrees. Out of all the monthly phone calls and Payoff requests no one from the institution mentioned to update a Navy Federal Suppression document. 
As of date, I still have not received any escrow funds owed by Navy Federal Credit Union According to court documents, I was to receive ALL escrow funds however Navy Federal Credit Union does not honor divorce decree and has failed to honor my portion of the escrow funds due. I have also requested a copy of the signed Suppression form and still have not received it.
On XX/XX/XXXX, Hurricane Irma damaged my town, in Southwest Florida. It resulted in me losing my job. I was unemployed a few months. I fell behind. They allowed me to do a repayment plan. They waited for 3 months after the disaster to report payment history on customers ( XX/XX/XXXX ). From that point forward they reported me late at 120+ days even though I was paying. My issue isn't that though! I was grateful for this assistance. My issue is that I am now paid up to date and they said they will not report it to the credit bureau because I am in a disaster zone. Well, that " benefit '' has been lifted for over 6 months now! They reported me badly all during those repayment months and now that I am completely up to date ( I have XX/XX/XXXX paid as well ),  they will not report me current. It shows I haven't paid since XXXX. The disaster excuse is completely an excuse and a lie. When I review the payment history on their website, they take my payments and put them in an " Unapplied Funds '' account. I keep asking that they to not do that, and to pay my mortgage. They claim they are considering it payment for mortgage. There is a major clerical error going on and it's not only hurting me, it's hurting my mother 's credit who co-signed for my mortgage. She is moving into a community that does credit checks. Her credit is in the 500 's because of this! Why are they punishing hurricane victims this way? I made no claims against my insurance policy. I never have! Not reporting on bad credit scenarios is one thing. But those hat are paying should not be punished this way! I am very concerned that if they have this many errors going on, I will likely be file lis pendens upon, and be in a foreclosure status soon.
I disputed an error on my Equifax credit report from XXXX XXXX for {$1100.00}. I disputed it twice and they did nothing, said they had no note of the dispute. My most recent dispute was XX/XX/XXXX. I was just hung up on by them after being told I had an outstanding balance. I have n't even been in this hospital for over 10 years and insurance should have taken care of this bill. I 've been trying to get the information that I need to sue them in a court of law and they denied giving me the information. XXXX and XXXX had no problem taking this off of my report but Equifax has not. It has been well over 5 months since I began disputing this. I 've done it online, by mail and over the phone. I am also filing a report with the XXXX XXXX XXXX XXXX because it is affecting my health, causing stress with them lying and stealing my identity for at least how long it has been on the credit report. Being on XXXX for approximately 22 years, I have had full XXXX  and XXXX insurance. I want this mark off of my credit report. If anybody can help me, please and thank you. I have tried hard to straighten my life out through my XXXX but this company continues to steal my identity through my credit rating.
On Friday XX/XX/2018 I wrote to Equifax requesting that they investigate a fraudulent bankruptcy that is reporting on my credit report. Although, Ive provided sufficient information proving that this is not my bankruptcy, Equifax has failed to remove it per Section 605B of the FCRA. They replied stating that they verified the account with XXXX a data reporting agency. I opted out of having my information shared and even still this fraudulent account is still reporting on my credit file. I would like to make one last final attempt before pursuing legal action.
A company advertising as XXXX online trial for skin cream. On XXXX XXXX, 2016 I ordered the trial. I careful looked to see if there was any recurring charges on this ad as this XXXX becoming an epidemic when ordering products none was shown. I ordered the product and my charge was billed for the trial of XXXX. On XXXX/XXXX/16, I noticed a charge on my credit card for XXXX. I had not authorized any charge and called my credit card company. I was told that it showed preauthorized and asked to call the number on the charge receipt. I did so and it was an overseas company. The representative indicated that I had ordered the trial and by doing so I agreed to recurring charges. I shared that no such language was on the original order site nor was it on the emails confirming the shipment. I was told it would be canceled. The company showed the cancellation was made as of XXXX/XXXX/16, however I called on XXXX/XXXX/16 and then called back on XXXX/XXXX/16 as I had not received a confirmation of the cancellation. I was told I would receive this and to date it still has not been issued. I am submitting this to CFPB due to the fact that this company, though they show my cancellation still expects to get paid for a product that was never shipped other than a trial. I disputed the subsequent charge to my credit card company in XXXX and on XXXX XXXX received some documents from a different company about an agreement for recurring order on a different product. The company changed its name & product. I ordered XXXX, which is on my original order receipt and a company called XXXX XXXX responded to my credit card company. I never order anything from XXXX and never agreed to any type of recurring shipping of the product nor did I receive any subsequent order of the product. I believe this company should be investigated for fraudulent advertising and charging consumers.