WillisBack/dataset-financial-user-claim huggingface dataset:
Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
I have been a longtime customer of XXXX. I made sure on my shipping details that I said : put package behind brown gate on stoop. I received two items ok, but the third, which I really wanted, was missing. It was supposed to be delivered yesterday. Yesterday morning tracking information read, there is a problem. The problem was that the driver left my package off his truck. Later in the day it showed he delivered this package with my two cd 's at XXXX XXXX. Upon checking behind my gate, there were no packages. I called XXXX customer service and they said maybe he delivered it behind another gate. I said how could that be!! My address is written clearly on the front of the building and mine is the only brown gate there. I asked to speak to a Supervisor. A woman named XXXX who said she was head of Logistics got on the phone. She was rude and condescending to me. She kept saying this package was delivered and I said where? I don't have it. She said I can't help you. You will have to call back after XXXX XXXX. I might be able to issue a refund. I said, I DO NOT WANT A REFUND. I WANT MY PACKAGE. She repeated this at least six times to me and I responded the same way. She said maybe it was stolen. I  said that makes no sense because my gate is locked. She kept coming up with excuses instead of contacting the driver to find out what he did.I have never dealt with such an arrogant person as this at XXXX before. I have an XXXX and XXXX XXXX XXXX. I made sure I took care of customers. I told her I was reporting her to various agencies. She didn't care. I even reported this to XXXX customer service and got no where. If this is the way I will be treated going forward, I will refrain from doing business here. I Never in my life had someone like XXXX tell me to go looking in the bushes. What bushes??? The neighbor 's bushes??? Is she crazy. Maybe I should go to the media with this. I am outraged with this person and the whole situation.
I was scammed by XXXX out of more than {$7000.00} dollars just for one semester. It did not improve my way of life or help with anything but increase my debt. I can not pay this back as I have no means too
I have been reported late on my mortgage when the lender has been unable to be reached by phone for payment. I have been charged fees without notice and been unable to have removed. I have had insurance placed on my loan even with adequate coverage in place. The company does not offer refinancing at better rates and forces mey to stay with them unless I fall behind and ruin my credit, then they will offer a better rate.
I have a loan with BANK OF AMERICA. 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 BANK OF AMERICA 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/2018.
I was told I was on a payment plan, theres about XXXX or XXXX of thiese medical charges., but I have been XXXX all my life, currently pending SSI, alot of these debts are over XXXX years old and I have no income to pay it back starting back passed 2011 which is under law have to be removed from my credit history
XXXX XXXX changed their billing system in XXXX, 2016. Therefore, they were late in getting bills in the mail. When I received mine, I verified the balance and paid it. They turned me ( and everyone else ( who was " late '' ) over to Allied XXXX for collections action. I received a collections letter from Allied, stating I had a {$0.00} balance. They did not do their due diligence when accepting this matter from XXXX XXXX, nor did they before they sent the collections letter out. Also, they lied in their letter saying that they had attempted to contact me about the debt. Since I had no debt, the letter they sent to me is harassment.
I did not Authorize sears to give Inquiries on the following dates XX/XX/XXXX and XX/XX/. These Inquiries are fraud I did not authorize them.
I requested my payoff on my mortgage with Seterus inc . They will not give me the payoff on my loan. I told them I had sold my house and needed it. They said it would 48 hrs then next time I called them they said it would take 7-10 days. Then I called them again told them it was urgent and needed my payoff and that I was closing in 2 days. They told me this time it would take 3-5 days. I am having a very hard time just getting my payoff.
I submitted a request to recalculate my income-based repayment ( IBR ) amount in XXXX 2017 to FedLoan Servicing ( FLS ). I did this because my AGI had changed since my previous calculation of IBR. This normally takes 7-10 days, but for some reason it took almost a month. However, I did get a new amount at the end of XX/XX/XXXX( approx. {$310.00} ), and was issued a bill at the beginning of XX/XX/XXXX to be autodebited XX/XX/XXXX. Then, a few days after I had gotten the bill, I got notice that my IBR amount had changed. When I logged in, not only had it changed for {$410.00}, but they had placed all of my loans on administrative forbearance. This was entirely without notification or my consent. I called FLS, and after a lot of investigation I was told my account had been " reviewed '' and the reviewer had decided my original amount was incorrect and recalculated it as {$410.00}. Again, this was all without notification and consent. When the person on the phone reviewed my documentation, she determined that the amount had been right the first time, and told me it would be reinstated. However, a few days later when I got notice of the " new '' amount, which was supposed to be the old amount, it was yet another amount, this time {$360.00}. I called back, and again someone told me it would be fixed, but now it 'd be fixed too late for me to be able to pay for the month of XX/XX/XXXX. I 'm in PSLF so every month of on time payment is important to counting to my 120 payments. Also, the forbearance caused the capitalization of interest, increasing my loan amount. After complaining to at least 3 more people, I was told it would be referred to the audit department, and IF they determined it was not my fault that this had happened ( everyone I 'd spoken to agreed it was not my fault ), I 'd be allowed to make a payment sometime in the future ( she said it 'd be several months ) that could " count '' as my XX/XX/XXXXpayment, and go towards PSLF. I had to complain to several more people before it was fixed, and I am now scheduled to make my actual payment of {$310.00} on XX/XX/XXXX, but I 'm holding my breath, because who knows what will actually happen. It 's incredibly concerning that they can just go in and change the amount that 's due without any notice or consent from you. This is not the first, and I 'm sure not the last, time I 've had serious problems with this loan servicer, and every other servicer I 've ever had. The level of incompetence, lack of transparency, and customer service is mind-blowing.
In XXXX 2015, I mistakenly missed to make a payment with my Barclays card. I never missed a payment before, however in that month I was going a personal issues and stress out, such my partner losing his job and my son having medical issues. I honest forgot to make my payment. I say that not to justify why the payment was late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that Barclays is willing to work with me on erasing this mark from my credit reports.
XXXX should refund of {$370.00} due from an overpayment by me on their XXXX  credit card. Instead, the XXXX  credit card indicates a billing error showing charges in excess of {$2500.00} that I did not approve. In addition, XXXX erroneous reporting to credit bureaus has resulted in very negative credit scores. 

In XX/XX/XXXX I paid for 2 roundtrip airline tickets to XXXX charging the amount on the XXXX XXXX card. The amount was paid in full within 30 days, resulting in a XXXX balance. Upon return from the trip, new charges appeared on the XXXX card that I disputed. I cancelled the card having made no charges except for the initial roundtrip airline ticket. In XX/XX/XXXX I overpaid {$370.00} to a charge on the statement billed by XXXX that was in error. To date I have not received this refund. 

A XXXX Letter, dated XX/XX/XXXX in reference to my XXXX   credit card account, stated the credit card dispute is resolved and I am credited {$85.00}. That credit never appeared. Instead of refunding the XX/XX/XXXX overpayment, I have been billed by XXXX with unauthorized credit card charges resulting in {$2500.00}. In addition, XXXX has also reported a default in payments to the 3 major credit bureaus. 

The only charges authorized are as follows : On XX/XX/XXXX I booked 2 roundtrip adult tickets to XXXX. 
Depart XX/XX/XXXX- Arrive XX/XX/XXXX with seats reserved XXXX/XXXX XXXX : Ticket Record XXXX XXXX XXXX , FL XXXX , XXXX ; XXXX , XXXX XXXX , FL {$1500.00} x2 -  {$100.00} for promo using XXXX  XXXX Credit Card XXXX XXXX Credit Card- Paid XX/XX/XXXX {$3000.00} Balance : - XXXX XX/XX/XXXX overpayment {$370.00}.
Purchased Used vehicle XXXX contract amount was XXXX @ {$740.00} per month for 60 months. Santander has us still owing {$23000.00} as of XXXX, Current statement has owing more than we borrowed and have made payments. I think that is impossible. 

We have contacted them numerous times over the last year to ask options and we have 2 options. 1- turn the car in under a repo and get sued for balance or 2- pay off the balance. We are on a fixed income and no longer can afford the car loan, as it should be paid off and then some. 

The value of the car is less than 9K at this point. Abusive lending practices.Extreme lending rates.
On XX/XX/18, I received an email from Navient claiming I had a total amount due of {$400.00} on XX/XX/18 even though the company previously had emailed me a statement claiming that I had a total amount due of {$210.00} on XX/XX/18. The amount is supposed to be an income-driven payment. Meanwhile, I have made additional payments that are not being credited to the amount due. I sent an online complaint to the Navient Customer Advocate on XX/XX/18 and later received a voice mail at a time of day when I was

XXXX XXXX and could not call back. Since then, I still have not received written correspondence from Navient. Also, an earlier complaint I submitted to CFPB regarding the repeated inability to sign in to Navient 's Web site still has not been resolved. Thank you.
XXXX issued a consent to Disbursement of Funds to the Bank of American legal department on XX/XX/2016 at XXXX. All XXXX of our Bank Accounts with Bank of America are currently frozen. To date, Bank of America claims that they have not received anything from XXXX company, and to date, all XXXX of our Bank XXXX remain frozen. After speaking with the Agent for the Plaintiff, XXXX several times today, he faxed to me the signed XXXX order ( which was signed by my husband on XXXX XXXX, 2016 ) along with the confirmation that it was sent. For 7 days our account has been frozen. All of our paychecks, and other monies are unavailable to us, leaving us without money for food, gas, or the ability to provide for our XXXX for XXXX. Because of BOA 's refusal to resolve this matter in a timely fashion, it has cause undue hardship on my family and crippled us both financially and emotionally at a time when we should be celebrating this joyous holiday. We are unable to pay anything and have to borrow money just to keep our heads above water. Please help us resolve this issue. This is the second time BOA has frozen our accounts. The first time they had our accounts frozen for XXXX hours with no explanation or apology. Please help! We are in a dire situation.
It has happened numerous times before, but today specifically they called me 4 times. I have asked previously to not be contacted on my number, because it is a cell phone. They still continue to call. I understand that I am behind. I explained that I lost my job, and am trying to catch up. Calls have not ceased, and they ask to set up a future payment to stop the calls. I reiterated that it is a cell phone, and I do not have to set up anything for them to stop calling me. Last time, they called me 3 times in one day about 2 weeks ago. I 've never had a problem paying my bills on time.
On XX/XX/16 an inquiry was made by " Quicken Loans '' on my credit report. I do not recall making this credit inquiry, however after contacting Quicken Loans and asking for verification, they stated via email that the inquiry was made online through a third party lender they use known as " Rocket Loans ''. A subsequent request by me asking them to verify the inquiry by providing a copy of the application was denied. They stated in response to my request for verification " I apologize we will not be providing any additional documentation regarding this inquiry. All transcripts/ screen shots of the web session are proprietary to Quicken Loans and a part of our business records. '' I have verified my identity with them through my date of birth and SSN and still they will not provide me with verification of this inquiry. 

The point of contact who denied my multiple requests for verification was XXXX XXXX. The initial letter requesting verification was sent certified mail, I then received all subsequent communication via e-mail.
I began receiving automated calls from XXXX beginning on XXXX/XXXX/16. First call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, the first call was at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, the first call was at XXXX XXXX and the second was at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. Today, XXXX/XXXX/16, I received a call at XXXX XXXX
I was in contact with this company in XX/XX/XXXX about their incorrect charge from a management company. I was spoken to very rudely each time I tried to explain the problem. I finally sent them a letter explaining that I didn't owe the money and I even sent the letter 60 day notice letter I had given to the original management company I also sent a cease letter at that time. Ultimately at that time all calls stopped and the erroneous information was removed from my credit file. However the information reappeared on my credit file in XX/XX/XXXX and all calls begin again. I contacted the original management company and was they have no record of the debt. I have disputed this at least 3 times with the credit bureau but they continue to them this is mine. How were they even able to put this back on my credit after several years?
I could not get a loan. I found out that my credit was low do to this. 
Try to contact the company to see if i could pay on it and they said they sold my acct. to a nother compay, So i want to take it off my credit score. becouse they do not owen it.
Experian has all these wrong address that do n't match up and a bunch of the same address as one. 
Experian just likes putting a lot of false wrong information on some one credit report so they can sell your information over and over. 

There is none of these address : XXXX XXXX XXXX XXXX XXXX -- -- -- -- wrong no such unit XXXX XXXX XXXX XXXX -- -- -- -- -- -- wrong not my address nor is there one. 
XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- - wrong same building not my address nor has it ever belong to me. 
XXXX east XXXX XXXX XXXX -- -- -- -- -- - wrong no apartment number not me My address is XXXX East XXXX XXXX XXXX XXXX XXXX Pa XXXX stop making up information I 'm reporting this to The FTC as well
Tax lien paid back in XXXX. Reports on credit bureaus show paid XX/XX/XXXX. Information is no correct. I 've dispute this issue for a year now. I called TU and asked how they verified and was told that they did but could n't send any paperwork out or tell me how they verified. I told them I have the fair credit act on my side and I want the info. They did n't give me anything. This tax lien was paid years ago. I 've asked all credit bureaus to verify the info, they have but with incorrect information. XXXX XXXX REGISTER OF DEEDS TAX LIEN.
I was approved for a loan to buy a home, by RP Funding Inc.. I paid for an appraisal to be done on the property. I was subsequently denied the mortgage. I obtained new financing on the same property, Through XXXX XXXX XXXX and they have agreed to use the original appraisal I paid for. The Appraise, XXXX XXXX Services agreed to reassign the appraisal to the XXXX, if RP Funding Inc. will release the appraisal. The original finance company is refusing to release the Appraisal to be able to reassign the appraisal to the new finance company.
This was a car loan which I totally paid off and as proof I received the Title to the car which is never issued unless a loan is completely paid off. A couple of years after, I had an accident in this same car and it was totaled ; my insurance issued a check for the cost of the car. The insurance company would NEVER issue a check and take in the car if I had n't the title. Hence, the loan was paid off leaving no debt.
The problem is that the XXXX credit card company is reporting that my account was derogative on XX/XX/XXXX and it was delinquent on XX/XX/XXXX and XX/XX/XXXX. I am disputing these reportings because every month I have made payments except for the month of XX/XX/XXXX but I made payments on XX/XX/XXXX and XX/XX/XXXX.
I traveled overseas to XXXX last year on XXXX 2014, I book a hotel for XXXX days ( XXXX XXXX XXXX Houses ) for a total {$1400.00}, when I arrived in XXXX around XXXX XXXX on XXXX XXXX 2014 I was expecting a main entrance with a lobby like any other Hotel, but to my surprised it was not entrance of any kind, not XXXX was there to check me in, I called XXXX of times to the number on my reservation and all I got was a recording message staying to live my name and number that someone will get back to me as soon as possible, which I left a message. I was afraid in the middle of not ware, and I need it a place to stay so I walked and I booked my stay in another hotel ( XXXX XXXX ), I continued to call to the other hotel with no response, I decided to go back to see if I can see anyone cause I already paid for a reservation and i scream and someone came out and walk me through a kitchen and took me to a small office and the owner was there and told me not to worry about it that I wont be charge after listening to me, them I walk out thinking that I wont be charge, Now American express is charging me the full amount of the reservation staying that the hotel policy cancellation specify that the full amount will be charge to my credit card in case of not show, cancellation or modification, but none of this policy apply to my situation I arrived to a hotel with not lobby, not main entrance, non crew to take care of me, I though at that moment that I was robbed, was completely empty I saw a pool but no one around what I am supposed to do I need it a place to stay, I try to contact the merchant but he told me that the hotel only open XXXX months per year and he will not refund my money, my cousin who owes a XXXX question him and that was the answer basically you make a reservation and you do n't get your money back because they only open XXXX months a year, an American express is telling they cant do nothing because of the hotel policy that the merchant shows them enough proof of course the reservation that I had made with them, but that does not mean I received a service, what law protect a consumer in my position. I need your help I am XXXX years old men and if you was in my place what would you do on the middle of the calderas in the mountains with not place to stay I was worry I will not have a place to stay I was expecting a XXXX start hotel which I was very disappoint,
my complain is about my  credit score  on  XXXX   XXXX    XXXX   my  credit score  decrease  XXXX  pts from  XXXX  to  XXXX  then on  XXXX   XXXX  it decrease  XXXX  points and  XXXX  points from  XXXX  to  XXXX  .In that time frame the only thing happen is i paid a loan of  XXXX   (  unify financial credit union ) in full  2  yrs before my term expire and during that month i do n't have a late payment my credit usage is 9 % and  XXXX  deliquent account was deleted on my report.All this positive things i did why did my  credit score  went down from  XXXX  to  XXXX .i called experian and they do n't have any  explanation.Now Honestly to me credit score  is a joke it was made to help all Banks, lending company and Credit card com. makes more money .lender will deny you even if your score is above  XXXX
I 've send XXXX EUR to Coinbase through SEPA transfer on XX/XX/XXXX and today ( XX/XX/XXXX ) I still do n't see money in their system and their account 's page is not working ( just showing blue header ). I 've send support request, but no response, even no auto reply.
I am very upset of the way Seterus has handle my loan. I summited a complete modification packet since XXXX/XXXX/XXXX. I spoke with Agent XXXX XXXX on XXXX/XXXX/XXXX and she had verify that my documents were received and that my file was going to be summited to the under writer for review. However that did not happended they keep prolonging my loan and now I have an active sale date for XXXX XXXX, XXXX. I had to fight with different agents and everytime I called there were no new notes. This is really frustrated becaus I do not want my house to sale. I had to even reach out to my investor to make sure this time Seterus reviews my loan based on my current income. My home is severely under water and my investor XXXX he participates in The XXXX XXXX Modification. Also they started to offer principle forgiveness. Therefore I am hoping that my loan can be review for all the workout options.