WillisBack/dataset-financial-user-claim huggingface dataset:
My name I XXXX I have leased two vehicles from Honda. On XX/XX/2016 the propriety tax was posted for both vehicles I paid both with the monthly lease payment XXXX did not recognize that and kept billing me for late fee and the payment I have already paid until XX/XX/2016 where I have paid four Paine to for each vehicles. I have been paying on time even I have paying the fee which are ases to me wrongly. I kept calling them and the ask me to pay and they informed me they have reported me to the credit bureau then when I check my credit score it dropped from 850 to 660. I call Honda finance on XX/XX/2016 XX/XX/2016 XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. They kept saying some one will call you they never did. 
Where should I go to solve this problem they ruined my credit score how could help me
According to the Fair Credit Reporting Act, credit agencies are required to conduct an investigation and/or correct erroneous credit entries on credit report. On XX/XX/2018, I sent an initial letter requesting them to remove specific credit inquiries that I believe were placed without permission. I received a letter back on XX/XX/2018, stating I needed to contact the creditors directly. I sent a second follow up email referencing XXXX v XXXX, again asking them to investigate and remove inquiries or provide documentation proving I gave permission for the inquiries. And again, I received the same letter on XX/XX/XXXX stating I need to contact the creditors.The credit bureau did not investigate, validate, nor provide documentation for the inquiries in question.
My wife passed away on XXXX 2015 after a long battle with XXXX. This was our primary home when we first got married and it carried sentimental value for me. The lender received a full modification request package on XXXX 2015. Up until my wife 's passing the file was in active review and the sale date kept getting postponed. In or about XXXX XXXX, we informed SPS of my wife 's passing and were informed we needed to send Death Certificate and Trust information. The death certificate was sent to SPS immediately thereafter. 

SPS continued giving me a hard time regarding other documents that were sent in but SPS claimed not received. I have been coping with the loss and as well with my own health issues with XXXX . I was never informed of a denial at all nor was a denial letter sent to me, up until today, I was in active review and only today I was informed the file was denied and they are moving forward with the sale on Monday. How can they dual track and review me and then last minute say Im sorry too bad you are denied, we are foreclosing on you, Please do not allow them to pull these fraudulent antics on hard working Americans, I have paid property taxes and mortgage for years, this is not how Americans should be treated. I am willing to pay my mortgage but they are not playing fair.
I have disputed a XXXX credit card about XXXX to XXXX time with experian and XXXX I have also informed them that this account does not belongs to me. and got no place now XXXX is now reporting that the account is paid as agreed I dusputed once again asking them to investigate the account that I have no knowledge in what so ever also asked them to provide proof of who is making payments on this account but once again they both replied back to me as the account belongs to me. I mean in all fairness experian and XXXX should be able to provide me whatever result that XXXX provided them which to verify this account! I have file a complaint with the office of comptroller of currency on XXXX. I feel if the credit reporting company have said that they have investigated this they should be able to provide what type documents was use to verify this account in this case in which i have asked both reporting agencies at the start of their investigation was to provide me proof of any cashed checks, money order or whatever method of payments thats been used. both keep replying back that the account was verified and belonging to me. I have asked them verbally and in certified us mail to please send me copies and all I get is a verify as belonging to me. I want answer or my next step with to contact an attorney at law ... ..
I asked for verification of the debt within the 30 day window of first being contacted. The collection agency then mailed me what they considered the verification information. I then wrote them again, asking for more information about the alleged debt while I investigated myself. They reported the collection to the credit reporting agencies within one week later, without me even having the opportunity to rectify the debt with it damaging my credit.
My mortgage was originally with XXXX Bank. Approximately 3 months ago I received notification from XXXX Bank that my mortgage was going to be serviced by another company named Statebridge Company, LLC. On XXXX XXXX, 2016 I forwarded my XXXX mortgage payment to Statebridge. 2 days later I received a notice stating I owed a late payment fee. On XXXX/XXXX/2016 I attempted to reach the representative listed on the Statebridge correspondence as the contact person. I called at XXXX ( NYXXXX ), I was kept on hold for over 10 minutes, never reached a live person, left a message requesting a call back and to date have not received as such. 
To add insult to injury my mortgage payment has not been applied to my account. The correspondence I received shows my XXXX mortgage as unpaid yet Statebridge has my payment, the funds were deducted from my checking account. This is the same chicanery, smoke and mirrors, slight of hand XXXX that XXXX Bank used to pull. I thought the actions/intervention of the XXXX government was to put an end these companies cheating the consumer!
ON XXXX/XXXX/2016 I RECEVIED A CALL FROM THE LADY WHOM I WAS WORKING WITH TO OBTAIN A LOAN FOR A HOUSE. SHE STATED THAT THERE WAS A JUDGMENT FROM XXXX XXXX BANK IN THE AMOUNT OF {$6900.00}. THIS WAS SHOWING ON MY EXPERIAN CREDIT REPORT ONLY. I DID FURTHER INVESTIAGTION AND THERE WAS A JUGMENT FROM XXXX XXXX BANK FILLED XXXX. UNDER XXXX XXXX AND XXXX XXXX. 
ON XXXX16-I FILLED A POLICE REPORT # XXXX AND A DISPUTE WITH EXPERIAN GAVE THEM XXXX COPIES OF ALL THE DOCUMENTION REQUESTED FOR THIS MATTER. I HAVE CALLED EXPERIAN MULTIPLE TIMES TO SEE IF THE DISPUTE HAS GOTTEN ANYWHERE AND ALL I HAVE GOTTEN IS THE RUN AROUND. I WAS GIVEN A NUMBER FOR A SUPERVISOR LAST CALL I MADE WAS XXXX/XXXX/16 TO A XXXX ( SUPERVISOR ) @ XXXX NO ANSWER BUT I DID LEAVE XXXX MESSAGES. I HAVE MAILED IN PAPERWORK TWICE THRU PRIORITY MAIL TO HELP! THIS ISSUE HAS IMPACTED MY ABILITY TO OBTAIN A HOME LOAN FOR MY FAMILY!
Discover sent a letter to me stating they were in error for charging me late fees and credited my account in XX/XX/2017 {$930.00} with interest. I call discover to update my credit report not to show times late and they have not done so. I submitted a dispute with XXXX  which they sent to discover and still did not change the late times on the report.
Evbyen though I have called the company aaboout adverse report on the credit bureaus records for XXXX and they have the records that my account was paid in full ( {$780.00} ) by XXXX ending in XXXX in XX/XX/XXXX, they now are reporting I have an account balance of over {$4000.00}. This account was closed at the time of the payoff. By the way, the product and services were inferior which is why I ended the business relationship in XXXX. I spoke to a XXXX after being transferred by XXXX at XXXX.The account was handled by XXXX XXXX which no longer handles XXXX collections . The account went to claim also collections because I was hospitalized.I am also countering a XXXX XXXX Walmart Credit card account XXXX with a {$500.00} limit which was paid off and account closed in XX/XX/XXXX. through XXXX XXXX XXXX. The confirmation number is XXXX through employeee XXXX XXXX. 

Please correct adverse credit report info. I am enclosing copies of the XXXX XXXX documents. There are no charge offs on these accounts.
XXXX XXXX  # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX  XXXX  OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms with them OR their client. This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!
Pnc Bank has an account listed on my credit report with all three bureaus that is not mine. The account number is XXXX. I have disputed this since XX/XX/2017with a total of 8 letters to the credit agencies and two letters to Pnc Bank. I have also had several phone calls with XXXX XXXX at Pnc Bank in regards to the issue. This account is NOT MINE! This account also has many innacuracies reporting such as my address, name spelling, not charging account off at 180 days as per the law states and date reported to fall off so how has this been verified as MINE? XXXX at Pnc has not and can not provide the original signed contract with my signature on it so how has this been verified? I have also just received yet again all three agencies disputes that came back verified with Pnc Bank but XXXX was not done investigating this. How has this been verified yet again and was claimed to be clarified before but Pnc Bank doent have that record? Pnc Bank again has also not charged this person 's account off at the 180 days per law. They do not know the date of first delinquency nor do the credit agencies.
I XXXX being a XXXX woman trying to better the lives of my family by attending school to become a XXXX, carrying XXXX full time jobs while I obtain that education, find the credit reporting actions of Federal Loan Servicing to be discriminatory to my race. I am not borowing any further student loans as I work XXXX full time jobs, but I do have a great deal of student loan debts that I will start paying on as soon as I complete my XXXX in XX/XX/2017. All of my student loans to date have been deferred of payments. So how can this agency report my payment history as 90-days late from the beginning. I have attached copies of how these accounts are reported with the credit bureaus. I never had to make payments while the loans were in deferment. I can not obtain credit due to the abusive reporting practices of this agency on my personal credit reports. I demand that since no payment history was ever legally established, that all payments histories be purged from each and every account posted on credit. This abusive reporting action must cease immediately.
Nationstar Mortgage LLC. ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) received the mortgage payment in full on XXXX XXXX. XXXX. As of XXXX XXXX, XXXX, the Reconveyance Department of Nationstar Mortgage have not released the lien nor provide an clear, rational explanation for the lengthy delay.
XXXX XXXX ( XXXX ) called me on XX/XX/XXXX to advertise for XXXX XXXX XXXX football. Later that day, I submitted a check for {$250.00} to the " XXXX XXXX '' person who came to the door. A short period later, I researched XXXX XXXXXXXX & discovered they have a grade of " F '' from the XXXX  website. On XX/XX/XXXX, I texted the above phone number to cancel the order. On XX/XX/XXXX, I emailed XXXX : " I canceled the order. Thanks for your understanding ''. This counts as my official cancellation that is on the 3rd day from the order. On XX/XX/XXXX, I texted to the phone number above about the situation, & that person was very argumentative, disrespectful, & the person called me " terrible ''. On XX/XX/XXXX, I left a voicemail with the person from the above email indicating not to print anything and that the order is canceled. On XX/XX/XXXX, XXXX calls me indicating that my check was returned ( I already did the stop payment ), & now they told me they are sending me to " collections '' & are insisting I pay " {$280.00} ''. I canceled the order ; they need to cancel the check & stop trying to get money from me!
A woman named XXXX XXXX XXXX and a XXXX XXXX called my place of employment XXXX and my cell phone XXXX calling repeatedly on XX/XX/18 and prior to that they would call a couple times a day from XXXX x XXXX and calling from spammed numbers or unknown numbers, leaving messages stating that they were sending the police to serve me from XXXX XXXX, or sending units to my home or place of employment threatening to serve me with judgement papers. I asked them to stop calling but they have repeatedly called back to back even after I asked them to stop. I do not know the name of the company. they have also called my relatives as well stating they were sending the police after me etc. I have never received any written correspondence from whoever this company is.
American Express Prepaid decided to start levying a monthly maintenance fee without 1 ) Informing me or 2 ) getting any contractual signatures from me. They proceeded to deplete my account of all the money I had already deposited. 

When I contacted them to cancel the account, there was no paper reciept / paper trail that I could get to confirm that my account has been cancelled.
Looking for help in resolving a misunderstanding that has cost me {$140.00} in late fees and negative impact on credit report. Began earlier this year when I discovered my old XXXX credit card had expired I applied for a new one. I later learned, however, that my previous online profile does not carry over from one card to another and therefore, the settings I had in place to pay my account in full each month ( as I do with all my credit cards ), had been reset. In addition, I verified the settings were in place after the new purchase, but assume now I was seeing the old online profile. I assumed statements received were duplicative and the account was being paid. <P/>I never received other notifications from XXXX, by e-mail or by an identified phone caller. What I did receive, which I discovered in hindsight, were repeated robo-calls coming from a non-identified number that never left any voice mails. All this couldve been easily resolved with a simple phone message or e-mail notification. <P/>It was not until I received a letter from the collection agency that I became aware of the matter and when I did, I immediately brought my account up to date. However, by this point, there was no ability ( or willingness ) to adjust late fees and my original a {$56.00} purchase had ballooned to nearly {$180.00}.
I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX
On XX/XX/XXXX I recieved an electronic alert from BB & T bank that my account was XXXX dollars overdrawn. This being a weekend and the bank is closed and I am a XXXX XXXX Veteran with a XXXX XXXX XXXX awaiting XXXX ; I have a XXXX XXXX. Therefore, I transferred money to my checking account from XXXX on XX/XX/XXXX at XXXX XXXX. The electronic transfer deposit was for XXXX dollars. I received a complete transaction ID # XXXX. According to BB & T representative XXXX XXXX ; stated the following : " The bank received the deposit on XX/XX/XXXX, with a directive from XXXX that the deposit is not to be processed until XX/XX/XXXX. Upon contacting XXXX it was stated to me by their representative, that they are a third party transfer of funds and they do not send a directive on date of deposit. It was stated that the deposit was accepted by BB & T on XX/XX/XXXX. I then, went further and called the Federal Reserve Banking to ask if they put on directives on money transfers from third parties. They stated ; they do not. Therefore, BB & T intentionally on Monday night debits bank accounts first ; then post credits after to cause their customers to acquire an overdraft fee of XXXX dollars to draw up revenue to their bank. This needs to be investigated as soon as possible. Also, they have adopted a bank regulation that a customer can only have one overdraft fee reversed within a 24 month period. This is completely outrageous and they have threaten to close my account if it is not kept up to a certain standard if I file this complaint.
Navient has been applying payments to my incorrectly and when asked this was calculated they are unable to give me an answer. I asked for documentation six months ago in which they failed to provide. I was up on automatic payments in which Navient started to reverse payments causing late payments when I asked Navient about reversals they blamed it on the bank ; however, I managed to the the bank on the phone with Navient and bank said there was no issue in fact if I manually went to the website and paid the exact same way the payment would n't be reversed. Very odd with Navient giving no explanation. Also, it states on Navient website a consigned can be removed after XXXX consecutive on time payments so I met those requirements as well as I have a job and XXXX which are the requirements and they still will not remove the consigner. Also, if you log into your Navient multiple times in one day then they take it upon themselves to lock you out of the account. My loan origination on one loan was XXXX and now that is XXXX. My loan origination on another loan was XXXX and now it 's XXXX. They ca n't tell you how they calculate or continually due adjustments or provide documentation when requested. At this rate, no one will get loans paid off and for cosigner removal they need to honor there website XXXX on time payments, income, and graduation as explain their way of new math.
This started at the end of XXXX XXXX when I went online to pay my XXXX XXXX payment and Mr. Cooper website would not accept payment ( stating I owed more than my normal payment of {$490.00} ) and continued through the month of XXXX XXXX. I spoke to a XXXX in XXXX XXXX who proceeded to yell at me and threaten to foreclose on me if I did n't pay the full amount due. I requested to speak to a supervisor and was given XXXX who started the process of straightening out the systems handling of insurance as it applies to my account. I pay insurance and taxes separately. I was then transferred to loan specialist XXXX who took the whole month of XXXX XXXX, but was finally able to get all payments posted correctly and acknowledged I was up to date until XXXX XXXX. I got online in XXXX XXXX and it said I owed {$490.00} and that 's what I paid. 

When I got online in XXXX to make my payment it said {$78000.00}. Two days later XXXX called me and I told her I tried to make my payment and it would n't accept my normal payment of {$490.00}. She stated, are they doing this to you again? She said she 's in a new department ; however she will talk to her supervisor, get this fixed and call me back. I never heard from her and in the meantime every time I got online the amount went up. It now says I owe {$1000.00}. When I called today ( XXXX ) I was told that the payment I made in XXXX was applied to XXXX 's payment. I went online to their website and back dated my payment history for the last two years and I never missed a payment. I 'm not sure how they 're applying my payments. There have been mistakes made in the past with my account regarding my insurance and escrow payments. I 'm confused as to how I can be caught up in XXXX and then told in XXXX I owe for three months. The employees at this organization refuse to listen to anything I have to say. It 's like they have a script in front of them that they read from and are not allowed to say anything else. 

I recently received a letter in the mail from Mr. Cooper dated XXXX/XXXX/XXXX stating I owed {$1200.00} by XXXX/XXXX/XXXX. I 'm confused to even this amount since online it states as of XXXX/XXXX/XXXX I owe {$1000.00}. Now I am concerned about foreclosure, which does n't seem appropriate as I have n't missed a payment for many years and when I was going to be late it was due to having XXXX XXXX years ago and I called in advance to make payment arrangements.
Amount :  XXXX  I moved to NJ in  XXXX , this was open on  XXXX  in  XXXX , .PA. I call & they were very rude, refusing to listen & just asking how I 'm gon na pay. FRAUD I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother home bound due to current health issues. I have no income, I even said if I could get this resolved with  a manager, they  refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP.       I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.     Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and  Southw  est Credit System refused to listen or help
XX/XX/XXXX-went to Bank of America ( XXXX XXXX branch, CA ) closed checking acct. But XXXX XXXX ( BOA ) closed both my saving and checking without permission. 
XX/XX/XXXX-Went to BOA ( XXXX ) who said that my saving ( XXXX ) has been closed. Staff said if I did not open a " new '' saving account today. All money remaining in saving will be gone permanently XX/XX/XXXX-Went to BOA ( XXXX XXXX ) and realized XXXX has been terminated due to received several complaints from customer XX/XX/XXXX. Talked to acting branch manager, after filled out paperwork, she promised she will recover my saving acct by next Tuesday. I also shown that my credit score has been dropped off XXXX point from XX/XX/XXXX to XX/XX/XXXX, because of closing this old saving account ( opened XXXX ) XX/XX/XXXX-Went to BOA ( XXXX XXXX ) and teller told me saving account has been recovery, all money from new saving has transfer back to saving before closed this account XX/XX/XXXX- After deposited money to BOA ( XXXX XXXX ), I realized they put money to new saving account. Staff told me it is the only account I have. That means BOA ( XXXX XXXX ) lie on me by never recover saving account
on XXXX/XXXX/2017 i had went back to TD bank and asked them what i can do to receive a refund in the total amount of {$1600.00} and TD Bank Said there is nothing they could since it has been over a year even when went back in XXXX of last year they said the same thing
I have a payday loan from 2013. I have a person ( not the company ) continuously calling my work, calling from multiple lines at the same time, harrassing me and my company. The calls are disrupting out work. The caller has used multiple lines including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX