WillisBack/dataset-financial-user-claim huggingface dataset:
There is a chapter   XXXX   Bankruptcy and   XXXX   public records on my credit report that does not belong to me. The courts do not report to the credit reporting agencies nor do they report to third party companies such as  XXXX , Equifax,  XXXX , Collection agencies, or   XXXX   XXXX  . I have sent a method of verification letter to Equifax and  XXXX  asking them to fill out the verification form that I sent to them and got no response. These are the accounts in question that are an identity fraud issue : Reference number for Bankruptcy is  XXXX ,  XXXX ,  XXXX , and  XXXX  are the other   XXXX   accounts that do not belong to me.
There is a slew of inquiries that I did not authorize nor did I sign any paperwork to run my credit for any of these inquiries. I called the companies and none of them can send me a signed credit application with my signature stating I authorized these inquiries.
  XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX
I have been attempting to resolve issues regarding 2 items  that are negatively being reported to my credit files since XXXX of this year ( 2017 ) ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.
I have a late payment on XXXX and XX/XX/2018 XXXX account # XXXX information is incorrect.
There is an fraudulent account on my credit report from XXXX. XXXX XXXX.
I contacted 3 individuals at Pannymac today. XX/XX/2018 - 2 Customer service agents and a Team Leader. 

My request was simple. To get a mortgage property tax exception in the state of Indiana you must file that a mortgage exist with the county recorder. Pennymac claims that they do not file mortgages with the county. They only pay taxes on the mortgage through 'XXXX  '. Without this filing I can not get a Mortgage exception property tax reduction in the state of Indiana.

Funny thing - the county recorder ( I talked with them 3 times ) said that if there is no mortgage filed - I can sell the house and the title company will find NO MORTGAGE on the house. Thus - I can keep every cent. 

Further - all they emphasize is that they are also a loan collector and anything you say can be used to collect monies. 


Funny thing. When you look up their executives on XXXX all of their contact are locked so you can't send messages. This should be a HUGE WARNING of what they think of customers.
While reviewing my credit report I noticed an account from XXXX XXXX so A letter dated XX/XX/2018 was sent to XXXX XXXX specifically stating and asking for validation of the debt via Certified mail. XXXX funding did not validate the debt that was asked and only sent a letter with a current balance that's due and an address for the original creditor, but did not validate as was asked in the letter. Attached is the letter that was sent via Certified mail and the agency 's response.
I received a bill from XXXX XXXX XXXX. I contacted them to let them know I don't owe. This account for {$1200.00} is for a balance from XXXX Hospital. The problem is that XXXX does not apply the financial discount to the balance or basically adjusting the balance minus your copay {$20.00}. I contacted XXXX on XX/XX/XXXX and spoke with representative XXXX who advised me that her supervisor would be sending the information to the collection agency to adjust the balance to {$20.00}. I advised her that the account should not have gone to collections and if so it should have been sent over for the balance of {$20.00} that is owed and not {$1200.00}. She then advised that because I did not pay the copay at the time of service that is why the bill was sent to collections. I have previously disputed this bill with the collection agency. They know I don't owe this and reported it to my credit again on XX/XX/XXXX. I am requesting that this account is removed from my credit bureau as it should not have been reported to them.
Last week I got charged a XXXX dollar per month maintenance fee for my checking account. I have had the same checking account for over 15 years and have never before been charged a monthly fee. I was never told about a fee starting XX/XX/2017 and I did not give any consent to being charged a monthly maintenance fee.
I'm trying to set up a budgeting and overdraft protection service, and CapitolOne will not let me. They are blocking all external applications. This information is mine to share.
Effective XXXX XXXX, 2017, a consumers credit report may look a little different than in the past. It is to my inderatanding that my credit report will require any public record, such as a lawsuit, judgment or real property lien submitted for reporting on a consumers credit report, to include the consumers name, address and either their Social Security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumers credit report. Please investigate this matter. I have 3 bankruptcies on my report and 1 lien.
After paying my XXXX federal tax liens and having them released, I obtained withdrawals of XXXX liens. I disputed the information with Experian and provided them copies of forms XXXX that prove the liens were withdrawn. Experian responded that the liens would remain and not be removed until the seven years expires. Attached is the email showing the results were ready ; the results showing the liens would remain ; and the Withdrawals of Federal Notice of Federal Tax Lien After Release forms ( XXXX ) that prove the liens should be removed.
I have noticed that you have not deleted these hard inquiries from my Experian credit report dated XX/XX/XXXX. Based on the evidence in my possession, I am, requesting that Experian removes the mentioned hard inquiry from my credit report upon receipt of this complaint to avoid further damages to my credit report. I have attached to this complaint authorization letter from XXXX XXXX XXXX. giving permission to Experian to delete these hard inquires. I have recently mailed this correspondence to Experian dated XX/XX/XXXX and I have not yet received the results of deletion from my credit report.
The following agency is not bonded in the State of Texas and can not legally collect debt. Please remove from my credit report and confirm the debt is not owed.
I have been an Amex cardholder for over XXXX years. I have always paid my bill on time and in full. I mailed my last payment on XXXX XXXX for payment due XXXX XXXX. I received my bill and was charged {$170.00} in late fees and interest as my payment was received XXXX XXXX. I called Amex and was told there was nothing they could do. I could not figure out how it took XXXX days to go from XXXX to XXXX. They just kept saying they would not do anything to remove the charges. I called again the next day and XXXX told me that I was a valued cardholder but she would do nothing to remove the charges. She told me that I was not a desirable cardholder since I paid my bill in full so they did not make any money off of me. I also have a XXXX Amex so they pay me to use the card in the form of the rebate check. Lastly I was told that I should have considered it was tax season and mailed my payment earlier. So basically it was all my fault and they refused to do anything.
Dear Sir or Madam : This letter is to file a complaint against the student loan service provider, XXXX XXXX for misleading me to believe that I have made 24 qualifying payments under the Department of Education ( DOE ) Public Service Loan Forgiveness ( PSLF ) program.

On XX/XX/2019, after reviewing my student loan portal, I noticed that only 16 ( and not 24 ) qualified payments had been applied to my account. I phoned XXXX customer service asking for clarity. A supervisor explained that some of my payments only satisfied the monthly balance due and not the PSLF monthly balance.

Below is an illustrative example : PSLF tells Student Borrower ( SB ) to pay $ XXXX monthly starting XX/XX/XXXX. XX/XX/XXXX arrives and SB pays {$100.00}. {$1.00} exceeds the January balance and applied to the XXXX balance, reducing it to {$99.00}.XX/XX/XXXX  arrives and SB pays {$99.00}, the balance due for XX/XX/XXXX. However, the payment does not satisfy the PSLF requirement and is therefore not a qualified payment.

I have eight months of on-time non-qualified payments because I overpaid and then subsequently underpaid or, in other words, paid the actual balance. I see nowhere on my XXXX   account that highlights or notates a difference between the balance due payment and the PSLF payment. In fact, as far as I can see, there is nowhere that displays the PSLF monthly payment, particularly after an SB pays over the monthly balance, what XXXX   calls paid ahead.

The XXXX  supervisor explained that DOE guidelines is the cause of the confusion ; however, an easy solution for FedLoan to avoid the confusion is to prominently display both the XXXX  monthly balance and the PSLF monthly balance.

Id also like to note that I am a XXXX XXXX, XXXX  employee who believes in the spirit of the federal student loan forgiveness program. However, the program execution has seemingly failed people like me.

I ask that my eight ( 8 ) on-time non-qualified payments be applied towards my PSLF count and that the power of your office demands improved transparency for XXXX  SBs.

XXXX XXXX said that it will conduct a review of my account, which could last up to a year to complete.
We pay extra every month on a car loan that we obtained in XXXX 2016. We noticed the extra amount paid was not applied to principal. We called TD Auto Finance, and they stated that they would not apply the extra amount to principal unless we called them every month. To reach an agent every month takes quite a bit of time. We offered to put it in writing to apply the extra amount to principal, but they said they could not accept a letter with instructions. We have called several times to no avail. We have paid extra every month, but they do not apply it to principal unless we take the time to call plus it does not go against principal until they receive the verbal instructions. My understanding of financial regulations is that the finance institution should apply extra payments to principal if no other amounts are owed. TD Auto Finance said the only way it would automatically go against principal if we used their bank.
I requested debt validation from Midland per Texas Finance Code Section 392.202. I received a response letter in the mail from them stating that the purpose of the letter was to advise me of the results of my dispute. They also stated in the letter that they would be placing dispute comments on my credit report. 

I did not dispute the account, I was simply requesting debt validation. 

I believe they are purposefully treating a debt validation under Texas financial code as if it were a dispute under the FCRA. I believe this is an abusive application of the FCRA dispute process as placing dispute comments can derail credit applications. 

In addition they did not provide me any of the debt validation information that I requested and is required by Texas financial code.
An account was opened in my name with XXXX without my permission. this account was sent to collections and a collection agency called me to collect on a debt I dont owe. {$160.00} was the amount of the balance owe. the collection agency is Sunrise credit services at XXXX. I have contacted the police in regards to the issue as well.
I recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/2018. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/2018 and they have not updated my payment status since XX/XX/2018. Since XXXX has not updated my credit since XX/XX/2018 it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/2018. It is now XX/XX/2018 and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update immediately.
The monthly reporting of my auto loan with XXXX  is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported.

My first payment on XX/XX/XXXXis showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXX for {$400.00}, which apparently covered my XX/XX/XXXX payment.

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment.

The next payment of {$800.00} made on XX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXXbeing 30+ days late on Experian and XX/XX/XXXXbeing 30+ days late on XXXX  and XXXX   There were 2 months of extensions granted for XX/XX/XXXXand XX/XX/XXXX. XXXX has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report through XX/XX/XXXX.

There was an extension granted in XX/XX/XXXX which should've covered my XX/XX/XXXX and XX/XX/XXXXPayments. Experian shows 30 days late XX/XX/XXXX and XX/XX/XXXX and 30 days late for XX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau.

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late.

The amount of 30+ days late reported are not nearly as much/frequent as XXXX  has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.
I closed my account and went to a different bank. A couple of weeks later I came back to Wells Fargo and reopened my accounts. I was told by the teller she would open new accounts the same as what I previously had. She opened up different types of accounts then she told me with daily spending limits. I told her the daily spending limits wouldn't work for me and she told me they were temporary and would be automatically taken off within a few days. Upon not being able to pay my rent with my card because of the daily spending limits, I went and talked to a banker who informed me the type of account the original banker put me in was not eligible to have the spending limit removed. I was lied to and taken advantage of by my local Wells Fargo banker.
This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.
Account opened with Capital One in XX/XX/2018. XXXX XXXX and XXXX  DO NOT show ANY account history of this account.
my credit was used due to fraud they report I went over my balance to the credit bureau. they closed the fraud card but opened a new account its now showing XXXX cards on my credit report because I was late XX/XX/2014 it showing as XXXX cards late instead of just XXXX card late because its the same account. I need they to report correctly to the credit I was NOT over the limit now was I late on XXXX accounts. they did reserve the charges but but are not correcting my credit report
I took out a payday loan with Oportun in XXXX XXXX, CA off XXXX XXXX. The friends and family used as references are being harassed despite their attempts to demand that representatives stop calling them. When representatives call they are divulging that I am late on my loan payment and want them to provide information on my whereabouts, along with passing along their message. Despite telling them to stop on a recorded line, walking into the office to speaking directly with a teller and sending a C & D in writing they wilfully persist. It is impossible to get them to stop constant harassing calls to me and my family/friends. They have humiliated me beyond human imagination. They call from different telephone numbers and have even contacted my employers to further damage my character. This was the worse loan processor I 've ever dealt with and it seems that a {$500.00} is never going to be repaid with the interest that has been tacked on.
XXXX XXXX XXXX XXXX, New York XXXX RE : APPEAL Loan Modification - ACCOUNT NUMBER XXXX SCAMMED THROUGH XXXX XXXX XXXX, HIRED BY OCWEN LOAN SERVICING To whom it may concern : I am writing to APPEAL and in regards to a loan modification that was offered to me on XX/XX/XXXX via XXXX XXXX XXXX, a company which YOU HIRED TO FORECLOSE ON ME AND TAKE MY HOME AWAY FROM ME. 

Then on XX/XX/XXXX you send me a letter detailing the denial which states I have 30 days to appeal From the date of the XX/XX/XXXX letter. But you went ahead and started the foreclosure process already. 

I did not accept this modification because you did not do YOUR part to come up with a successful loan modification. A SUCCESSFUL LOAN MODIFICATION TO ALLOW A HOME OWNER TO STAY IN THERE HOME and A LOAN MODIFICATION THE ADHERES TO THE LAW SUIT THAT WAS SETTLED BETWEEN OCWEN AND THE CONSUMER FINANCE PROTECTION BUREAU OVER THE SUMMER OF XX/XX/XXXX. 

FIRST OFF, YOUR DENIAL FOR FUTURE MODIFICATION STATES THE ACCOUNT HOLDER WITHDREW HIS APPLICATION. I DID NOTHING OF THE SORT, I DID NOT WITHDRAW MY APPLICATION. XXXX XXXX XXXX A FIRM THAT YOU HIRED TO DO LOAN MODIFICATION REACHED OUT TO ME, I DID NOT REACH OUT TO THEM, GET THAT STRAIGHT. 

SECONDLY THEY WHERE CONTACTING ME AT MY PLACE OF EMPLOYMENT WHICH IS AGAINST THE LAW. WHY WOULD YOU HIRE OR WORK WITH THIS XXXX XXXX COMPANY AS XXXX XXXX XXXX AND HARRASS HOME OWNERES AT THERE PLACE OF EMPLOYMENT. 

I WAS XXXX XXXX SCAMMED BY OCWEN BECAUSE EVERYTHING THAT I HAVE READ ABOUT XXXX XXXX XXXX STATES THEY WORK WITH OCWEN IN MODIFING HOME LOANS. 

AMOUNGST ALL THE OTHER ILLEGAL PRACTICES YOUR FIRM DOES YOU HIRE XXXX XXXX XXXX TO DO YOUR LOAN MODIFICATIONS FOR YOU. THIS NEEDS TO BE LOOKED INTO BY THE CONSUMER FINANCE PROTECTION BUREAU AND AGAIN ANOTHER LAW SUITE AGAINST OCWEN. I REFUSE TO LOOSE MY HOME AND PROPERTY AGAINST THE XXXX XXXX LIKE OCWEN AND XXXX XXXX XXXX.

YES TAKE THIS AS AN APPEAL AND THIS APPEAL WILL BE FILED WITH THE CONSUMER FINANCE PROTECTION BUREAU ASASP. 

CFPB NEEDS TO SHUT XXXX LIKE YOU DOWN. Thank you Regards, XXXX XXXX XXXX XXXX
XXXX/XXXX/XXXX payment sent in the amount of {$5600.00} to bridgecrest XXXX/XXXX/XXXX payment was reversed in the amount of {$5500.00} from bridgcrest XXXX/XXXX/XXXX payment sent in the amount of {$310.00} to bridgecrest XXXX/XXXX/XXXX payment reversed in the amount of {$290.00} i spoke with a CSR i was told they were unable to locate the account, i asked for an audit of transaction history for factual proof that my account was unable to be located because red flags were risen when the actual payment amount was not showing back on my account with bridgecrest if account was unable to be located, bridgecrest sent me an email with a legal document showing account history of the payments per my request after several attempts of me trying to get them to do so that did not adhere to the proper payment amount that was submitted by me.I told bridgecrest that i was aware of this being a situation that needed to be investigated at this point, i asked bridgecrest to tell me what the payment amount was for the dates XXXX/XXXX/XXXX made out by me and they CSR stated she sees in the system a payment of $ XXXX well as a reversal on XXXX/XXXX/XXXX in the amount of XXXX but in the legal document and on my account from bridgecrest it states the dollar amount of {$5500.00} just as the same for the payment on the XXXX for the amount of {$310.00} so at this point i told them i had no choice but to file a complaint because they are telling me that it just that no acount was found but if that was in fact true the audit of tranasaction history would reflect the actual dollar amount submitted for payment not another dollar amount.
Have Home Depot ( HD ) Card from Citi Bank ( CB ). Received notice on first bill minimum balance due monthly was {$25.00}. Paid late in XX/XX/XXXX due to HD computer crash in XX/XX/XXXX and they could not accept payments from or too any type of electronic card until computer crash fixed. CB Charged a {$35.00} late fee in XX/XX/XXXX for this late Payment. Balance due in XX/XX/XXXX with {$35.00} late fee as approximately {$63.00}. Contacted CB by phone and they agreed to strike the {$35.00} late fee. Paid the {$25.00} owed. Since then Continues to charge me {$35.00} late fee each month stating that I failed to pay the minimum due with the late fee in XX/XX/XXXX even though they remitted the late fee owed in XX/XX/XXXX. Attempted to discuss and resolve issue with CB with no success. Contacted Attorney who sent a letter to CB in XX/XX/XXXX with a time frame for CB to respond. CB did not respond in time frame and would not take calls. Attorney sent 2nd letter XX/XX/XXXX. CB sent me letter to contact them. Contacted them XX/XX/XXXX and they refuse to do anything further about late fees from failing to pay balance owed in XX/XX/XXXX even though they remitted that late fee.