WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2017.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion Re : Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX To Whom It May Concern : On XX/XX/XXXX I disputed inquiries reported by TransUnion in the file you maintain under my Social Security number. I was informed on XX/XX/XXXXthat the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
I have contacted experian numerous times in regards to a collection from XXXX XXXX XXXX XXXX that appears on my credit report from Experian. I 've tried for the past year, to get this sorted out. Under the FCRA I have the right to ask how my dispute was processed and who they contacted for the information. I have done so, and they always claim they investigated the dispute, and it is accurate. How do they deem that its accurate if they ca n't even tell me who they spoke to? I disputed this account online in XXXX 2016 and most recently XXXX XXXX. I would like this account removed as there is no relationship between myself and XXXX XXXX XXXX XXXX.
I HAVE A COLLECTON FROM GRANT MERCANTILE AGE ACCOUNT NUMBER XXXX THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, I DO NO NOT OWE THIS COMPANY ANTHING AND I DONT HAVE A CONTRACT WITH THEM, IM GON NA SUE
On XX/XX/XXXX XXXX XXXX XXXX, Suntrust XXXX XXXX and XXXX XXXX XXXX XXXX banks sent an inquiry for a loan and I already purchased one on XX/XX/XXXX. I dont know why these banks would ask for my credit report a week after I already bought a car from XXXX XXXX in XXXX XXXX GA. I did not authorize this to be on my credit report and I want to know why they are on my credit report a week later.
CommonWealth Financial, is attempting to collect a debt that I have asked for verification for and they have not supplied. They are stating via telephone that this debt is from 2012, and they are just now placing it on my credit report. I notified them that I am unaware of this debt, and In the state of New York anything placed on a persons credit report after 6 years is invalid because it's past the statue of limitations. I also looked up CommonWealth 's license to collect in the state of Florida, which is where I reside, and there license to collect in this state has been revoked. Please help.
I called to set up automatic payments, Because my statements have not been mailed on time. I had made a late phone payment, Before because of this, and When I tried to make a phone payment today, My atm card number was not recognized, So I spoke to a represenitve, who transferred me to a guy and and asked for My social security number, I replied if the last 4 digits would suffice, He then gave me hard time, asking me to provide an exact date and payment, i replied I couldn't remember, but had Maile it before the due date, from a copy of an old statement, because I haven't been getting my statement on a timely manner, Then asked me when I open up my loan, Finally he said that I would need to have a checking account with Citibank, to set up automatic payments, and that I have to fill out a mailed form, I also asked him why, They don't have automatic payment information on their statements, or even show when payments were made on thier statements. He was not being cooperative, I stated I would like to speak to someone else, and he stated it would not possible, I Hung up, and called again, And spoke to another young lady, Stated my purpose, for making a payment and set up An automatic payments, And she transferred me To " the direct loan Dept. " XXXX answered, I stated my purpose, Said he couldnt help me, and transfered me to another Lady, And same thing, She said she would transfer me to some else, and I was placed on hold for a Lon while, And back to the main menu, Never ever had an experience like this before, just to try to make a payment on time, Also when I had first applied for this loan I tried to set up automatic payments, But was unable to do so, even though there was option to enroll in it, And stated my bank information was incorrect, Please do follow up, A.S.A.P Thank you, XXXX XXXX
I have contacted equifax to see what is going on with my credit and they would provide me any information because my phone number did not match the XXXX on file an i want to get this resolved an dispute all the items on my credit report because they are not mine and the credit bureau is not helping me.
Equifax negligently handled their security and allowed for the the release of my Social Security Number along with that of 143 million others.
XX/XX/XXXX - I spoke to customer service and requested a manager. I was told that Freedom Mortgage had a problem with their mail system in XX/XX/XXXX where payments were going to another company. My problem was in XX/XX/XXXX where my payment was not received by Freedom Mortgage and on XX/XX/XXXX, I received a letter from Freedom Mortgage that they received my  original cashier 's check for my XXXX payment payment marked RETURNED-STOPPED PAYMENT. 

I emailed a letter to Freedom Mortgage on XX/XX/XXXX, with documentation of all payments sent ( copies of cashier 's checks purchased ) and correspondence received from Freedom Mortgage from XXXX - XX/XX/XXXX 

I received a response from XXXX Mortgage on XX/XX/XXXX stating " After reviewing your account, our research determines we are unable to honor your request to update credit reporting. The delinquency for XX/XX/XXXX is  accurate as reported. 

I purchase a cashier 's check every month around the XXXX or the month and mail my cashier 's check to Freedom Mortgage. This has worked well every month until XX/XX/XXXX. I have been informed of a mailing error from Freedom Mortgage in XXXX that payments have been received by another company. I think this mailing error started earlier than XX/XX/XXXX, because my XX/XX/XXXX payment didn't show up at Freedom Mortgage until XX/XX/XXXX. 

I have documentation to support everything I'm saying. I hope you can look into this matter and Freedom Mortgage will remove my XX/XX/XXXX late mark on my credit file. I'm looking to purchase another home and this error on Freedom Mortgages part is costing me more money for my new loan because my credit dropped from XXXX to XXXX. My mortgage lender is telling me that because of the lower credit score I am paying {$2500.00} more in points to get the same interest rate.
The Amazon rewards credit card requests me to pay an annual membership fee of XXXX By XX/XX/XXXX, I phoned it, saying that I ' d rather cancel my account than pay the annual membership fee. But the Amazon rewards credit card, every month, still requests me to pay. Now I am asked to pay annual membership fee + late fee + interests, totally XXXX {$.00}
XXXX XXXX I applied for a hafa short sale at Select Portfolio Request request the told me my loan qualified for he HAFA short sale and they would have debt forgiveness and relocation money They told me to hire a realtor to process the short sale He gathered all the documents that Select Portfolio required they where upset that I listed my House with an outside agent from their companyXXXX-XXXX-XXXX we submitted an offerXXXX/XXXX/XXXX BPO completed Value XXXX ( select Port folio said Investor will not take less the {$250000.00} What ) we have a problem with valueXXXX/XXXX/XXXX sent service er update information in regards to Hafa Short saleSelect Portfolio has never sent Counter has never sent us approval to participate/XXXX/XXXX/XXXX submitted counter with repair billrequested a value varianceXXXX/XXXX/XXXX Select portfolio said the Investor they do n't want her on the HAFA short salewould not give a reasonprinciple loan XXXX set aside XXXX Property value XXXX why would they want {$250000.00} we have escalated the file the loan servicer refusing to help they have not been honest with me, they have Not given us Tangible Information, the have been very deceiving with me and deceptive please help
I have concerns regarding the authenticity and amount owed on my student loans. I would like the amount to be verified because I am concerned that regarding the recent alligations against Navient. There have been several lenders " servicing, buying and selling of my loans so I would like my current servicer, Navient to verify the balances. I would like these loans removed if they can not be accurately verified. These loans originated at XXXX XXXX University, and XXXX XXXX XXXX XXXX XXXX.
ON XX/XX/XXXX CREDITORS AUTHORIZED MY REPORT WITHOUT MY WRITTEN/AFFIRMATIVE CONSENT.I HAVE 5-13 INQUIRIES ON MY REPORT BETWEENXX/XX/XXXX-XX/XX/2018, AND IT HAS BROUGHT MY SCORE TO A LOW. I WASN'T AWARE OF THESE REPORTS AND MY SS # WAS USE IN A IMPROPERLY MANNER .ALL THREE BUREAUS WAS EFFECTED.
My American Express Serve card was compromised on XX/XX/XXXX. I noticed it and reported it XX/XX/18 at XXXX XXXX. I was told at the time they would cancel my card and issue a new one. 

I was also told on XX/XX/18 that I had to wait till the charges were no longer on hold. My card account information was used at 2 XXXX ( XXXX XXXX ) gas stations for 6 separate transactions totaling {$990.00} in NC, it was also used for what appears to be a test thru a merchant in XXXX, TX for {$0.00}, that is still pending on hold and I live in NJ. My card is still in my possession. 

The XXXX transactions cleared on Sunday XX/XX/18. I called American Express Serve at XXXX XXXX  to notify them. I was hung up on. Transferred to the dispute team who said I had to talk to fraud, who transferred me back to disputes. I was told by a XXXX they would cancel my card and reissue it. Even though I explained that was done on Friday XX/XX/XXXX. 

That representative XXXX who is in the XXXX first asked me did I still have a subscription to the company in question, I asked what subscription was he talking about and he said to the XXXX XXXX. I explained that it was a gas station and not cellular services where the purchases were made and no on wold purchase {$990.00} in gas at any one time unless they were filling a fleet of trucks which I do not own. He stated the investigation team would be requesting camera details at the store to see if it was me making the purchases. I am clearly at this point upset. He stated I would receive paperwork and that it needed to be filled out in 2 days. I asked when I would get that paperwork he said in 2 days so I was confused and said you told me you would send it in 2 days I cant possibly meet a deadline if I dont have it before the end of that deadline. 

He hung up on me and when I called back at XXXX, I spoke with a female who didnt give me her name. She said I would receive an email with Declaration paperwork with in 24-48 hours. 

On XX/XX/18 I still hadnt received the paperwork and called at XXXX XXXX. Maverick another representative proceeded to tell me the paperwork is sent within 1-2 business days. Meaning I wouldnt get it before Thursday XXXX. When I asked to speak to a supervisor I was put on the phone with someone named XXXX and when I tried to ask for a manager after not getting any different response I was ignored until I had to hang up. These calls are all on my cell phone with times attached. 

I understand there are processes to go through but I can not afford for my account to be emptied and stay that way for such an extended period of time. I have tried numerous ways to convey the urgency of this as I have rent and other bills due that this money was meant for and this is threatening my livelyhood. 

Its is now XX/XX/XXXX and I still have yet to receive a phone call or the supposed paperwork via email. While I try to remain and positive as possible it appears that American Express Serve and its employees do not have rules they are governed by.
Applied for a mortgage with Fairfield Mortgage Company in XX/XX/2016 and was approved for a mortgage in XX/XX/2016. It is now XX/XX/XXXX and still have not closed. I have been lied to about closing dates happening that never occurred. I continually get the run around about when the closing date will occur which leads me to believe they are not being truthful with me and continue to lie about what is really happening here. I continue to get lip service from XXXX, who is supposed to be the boss, that he was going to do this and that and there would be no problems ex.He said ( in emails ) that he would overide the 90 day period that the loan was good for ( never happened ) and talk to the President of the bank which he never did. Mortgage has been delayed because of mistakes made by this company that should not have been made if they knew what they were doing such as telling me to show a certain amount being withdrawn from a bank acct when in fact it was the wrong amount which caused a 3 week delay because I had to get it changed. I do n't believe they even have a bank for the mortgage but keep playing games with me till they find one. They should not be selling mortgages
I have an installment loan, that allows prepayments, with installments of $ XXXX. 

I had paid significant amount in advance. Specifically {$4500.00} on XXXX/XXXX/XXXX. I continued to pay in advance. By my calculations, which I have sent in detail to XXXX, I have currently paid ahead until XXXX XXXX and partway through XXXX. 

XXXX has reported incorrect information on my credit report at both XXXX and XXXX. They have referred me to " XXXX XXXX '' a collections agency. I demanded they cease and desist all calls relating to this amount as I have already paid. I still received further calls. 

I have contacted them numerous times and asked where in the contract allows them to do this. All they say is that their billing system ca n't handle payments more than 30 days in the future. This is not mentioned whatsoever in our contract. 

XXXX has also used insulting language which implies I was somehow aware of their 30 day system, which is false.
I received a PayPal Master Card statement during the week of XX/XX/XXXX in the amount of {$15.00} for two unknown business transactions as listed below : Tran Date Post Date Reference Number Description of Transaction or Credit Amount XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX FL {$6.00} 0 % PROMOTIONAL APR XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX FL {$8.00} 0 % PROMOTIONAL APR I called PayPal Credit Services numbers XXXX XXXX and XXXX ( for my PayPal account ), and spoke with 4 different PayPal Customer Service Representatives : XXXX XXXX 1rst ), unknown lady name ( 2nd ), XXXX  ( 3rd ), and XXXX ( 4th ) on Saturday, XX/XX/XXXX to report for these fraudulent business transactions. None of them was able to assist me to deal with/resolve this problem. The first one just simply hear what I said to him and then asked to to wait on the line so that he can forward me to the correct phone line. They just repeatedly did that until when I reach to the 4 person, and each time they put me on hold for several minutes of waiting on the phone line. I logged in to my PayPal account and sent an email to request for closing of this PayPay Master card due to these fraudulent charges, and received an email response on XX/XX/XXXX to ask me to contact PayPay Master Card phone number at XXXX to dispute for these transactions. On XX/XX/XXXX, I logged in to my PayPal account and found that a new fraudulent charge was shown up on my PayPay Master Card account as listed below : XX/XX/XXXX XXXX XXXX FL XXXX I called PayPal Master card phone number and spoke with XXXX, a PayPal Master Card Customer Service , I reported all three fraudulent transactions mentioned above to him, and he told me that he will give me the phone number of that business entity so that I can speak with them directly to find out and disconnected the phone. I called to the given number at XXXX ( the fraudulent business who charged me 3 times within a few weeks for unknown business transactions with them ), and no one picked up the phone. A voice message asked me to leave a message, and I just disconnected that phone call. I logged in to my PayPal account online, clicked on the PayPal Master Card balance link to connect to the XXXX XXXX and  requested for closing my PayPal Master card account, and also made a full payment of {$24.00} to that account while waiting for the dispute to be processed because I don't want these dispute transaction would impact my current excellent credit scores.
XXXX XXXX did not take a payment due to their " computer glitch '' XXXX their words not mine ) and then they reported me as 30 days late.
MY ACCOUNT IS PAID IN FULL! My account will get adjusted them payment will reverse back to account balance but not back to my bank account
I applied for a Student Loan refinance from SoFi at the end of XXXX. While going through their application process they seemed to have issues getting me the correct forms needed for my HR department to release my income. My HR department verified the employment, but not the income. Once I got the correct release forms from SoFi, on the XXXX of XXXX, I filled out the required information and sent it to SoFi with my HR departments fax number. SoFi faxed the form to my HR department who then filled out the required information and faxed it to SoFi on the XXXX. I did not hear anything from them until today, the XXXX, when I was informed that my application was declined. When I called them to find out why, I was told it was because they could not verify my employment. I was told I could re-apply and they would use the same " Hard Credit Pull ''. Instead of contacting me again like they had been, they went ahead and did a hard credit pull and then declined my application based on paperwork that was confirmed to be sent to them by my HR department, and not because of my credit score which according to the rejection letter I received was XXXX. This is unacceptable, I would like to report their fraudulent practices.
Received a call from XXXX on Tuesday XXXX XXXX, XXXX regarding the account the motorcycle loan is listed under and he mentioned that the funds were never received. I requested a full audit transaction and XXXX to prove that XXXX never received it and I was told they 're not obligated to do that. In addition I 've mailed off a certified mail letter of validating that the debt is in fact true and I have yet to receive any real time source stating so.
I was approved for a loan modification without the borrower signing any of the request for the loan Modification. after paying three months trial period. I received paperwork from Penny Mac! requesting for the borrower to sign the final mod documents. The borrower did a quick claim deed to me which I 'm the co-borrower as he was no longer interested in the property. I asked my mortgage company if there was a way I could get all docs signed without borrower due to the quick claim deed. They advised that he had to sign the documents or they could n't go through with the Modification. My home is now in foreclosure sale date is set for XXXX/XXXX/17.
I am a victim of identity theft and ive been trying to have these fraudulent accounts removed for quite sometime now. On XX/XX/2018 I sent in my dispute letter and supporting documentation for 3 fradulent accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These items are not mine and are having a negative effect on my credit file and I would like them removed.
We leased a vehicle with ALLY Bank, that was mistake # XXXX. Here is what happened. My wife drives our XXXX children to school every morning and uses the XXXX lane. And according to the US Department of Transportation Federal Highway Administration, children count as passengers. Apparently one morning, a police officer must not have been able to see the children in the car, and instead of pulling my wife over ( and realizing there were XXXX people in the car ), he just took down the plate number and sent a summons. 

Here is where the problem begins ... .because it is a leased vehicle, the summons went to ALLY Bank, not to me. So we had no idea this happened. Months go buy and I get a letter in the mail from ALLYthat I owe the summons amount and that they are about to pay it for me. So I immediately call them and tell them not to pay the summons becuase we need to fight this because we never touch the XXXX lanes where we live except to go to school with the kids in the car. 

Fast forward a month or so and I get a bill saying that I owe ALLY for the summons and I called again and said what about us fighting this? ... we definitely didnt break any rules and this is when Ally 's horrendous customer service kicked in. I must have called and spoken XXXX different people and every one of them had a different answer with the last volatile person telling me that it is too bad, you have to pay it because we paid it for you. Again, I repeatedly told them not to pay and to fight it. It isnt even about the money, it 's the prinicpal of the thing. 

So because ALLY Bank is lazy and no one on their end wanted to do their job, I am stuck with a fee that I should n't have to pay but they threaten to go to a collections agency to mess up my credit. This is unfair and shouldnt be how people are treated. Obvioulsy this bank lost a customer for life.
I submitted all the proper paperwork to TransUnion they investigated and concluded that it was reported wrong. They removed the bankruptcies and then put them back on. I have a copy of when they deleted them.