WillisBack/dataset-financial-user-claim huggingface dataset:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened>> XX/XX/XXXX
I entered into a payment plan with XXXX XXXX on XX/XX/XXXX. I received regular bills every month up to and including XX/XX/XXXX. I never received another bill or letter after this. No attempt was made to contact me either by mail or phone. I received letter from Revenue Recovery Corporation on Monday XX/XX/XXXX stating this account had been placed in collection.I called XXXX XXXX on Tuesday XX/XX/XXXXand was told that the account was set up on a payment plan in XX/XX/XXXX and that they had sent a letter in XX/XX/XXXX and XX/XX/XXXX which I never received. The account was put into collection in XX/XX/XXXX according to them. I have all statements that were sent from XX/XX/XXXX to XX/XX/XXXX along with cancelled checks.
Wells Fargo is denying our application for a loan modification. Their servicer, XXXX XXXX XXXX, has been requiring XXXX forms to be filled out and submitted at least six times in the last two years. Each time, we have been denied a loan modification - despite qualifying for a HAMP modification due to XXXX and loss of income. Wells Fargo is XXXX of the XXXX large financial institutions participating in the HAMP program. We do not understand why they are denying us a loan mod when they have received government monies to do just that - modify loans. Please help us sway Wells Fargo into doing what they have promised. 

Thank you, XXXX and XXXX XXXX.
I have a XXXX account and always have had a credit card in file. Once I was purchasing online and went to revise my XXXX account. Suddenly, a window popped up asking me to accept a XXXX XXXX account. It did n't let me go further until I accepted the XXXX XXXX. In addition, There was not link in small font saying " no thanks, take me to my account ''. After accepting the XXXX XXXX I was finally able to pass that window and do whatever I was going to do with the account. 
After that, essentially a XXXX XXXX was created on my behalf. I called XXXX and cancel the XXXX XXXX on XXXX 2015. Everything was fine until now when they are saying that I bought an item with the XXXX XXXX and because I did n't pay, interests have been running for 6 months. 
I called them up and they said that the information was sent to me via email but they can not resend that particular email. There is not more information in the XXXX website neither in my XXXX profile. 
What can I do? 
ThanksXXXX XXXX
I filed a chapter XXXX bankruptcy that was discharged in XX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX  Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX
My personal home was damaged recently. The loss is covered by insurance. The insurance company has begun to provide funds for the necessary repairs - approximately {$160000.00}. The payments are to be sent to me as joint checks between me and our mortgage company. When I received the first payment from the insurance company, I endorsed the check and sent it to our mortgage company, Sun Trust Mortgage XXXX Inc. ( " STM '' ). They responded with an XXXX XXXX, 2015 letter with the step by step recipe for how to receive funds to pay the contractor for the necessary repairs. That letter has XXXX problems as part of the requirements. First they are requiring that the contractor sign a lien release form that is illegal in Texas as Texas has statutory lien release forms to must be used. Second they are requiring a copy of the contractor 's license. Texas does not have construction licensing. I have written several letters and made numerous calls to STM. They refuse to correct their requirements and to revise the letter. I am being delayed in having the necessary repairs made to my home.
in 2014, I got a loan from prosper. I had financial hardship and could not keep up with the loan payment. I tried to settle with prosper and was unsuccessful. Prosper has ruined my credit for the last 2 years. I just informed that they sold the loan. I would like prosper to rescind that sale and stop ruin my credit profile.
FOX Collection Center has been assigned to collect a debt for XXXX XXXX XXXX in XXXX, TN. This is for a medical procedure my husband had done. 

They communicate with us thru mail and also our cell phones. Today XXXX, Fox attempted to contact me & my husband during our work hours on our cell phones. They chose not to leave a message. Was n't long when my husband received a phone call from HIS EMPLOYER that he needed to call a certain number!!! 

FOX COLLECTION CENTER has chosen to leave a message with my husband 's employer instead of on our personal phone lines, which they have, which does have working voice mails. 

Therefore, I 'm filing a formal complaint against them for unfair business practices. There was absolutely no need for them to leave a message with his employer. That could have been done when they called both our cell phones right before that!!! 

And as a side note, we have NO IDEA where they even got his employer information. We never gave it to them. This is very unfair and strong arming should be against the business practice of collections!!!
In   XX/XX/XXXX , i t is alleged by  XXXX  that I made a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after  XXXX  reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  XXXX  sent me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid w ith one check. When I paid the loan off in full in  XX/XX/XXXX , I made one payment with one check to satisfy the remainder of the loan. I made one late  payment, it should be reported as such. A prospective employer, landlord, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contacting  XXXX  and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a home has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year   XX/XX/XXXX .  I 've been told by landlords my   credit score is too low. When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?
<P/>
Update : I got an email from a criminal investigato   r with so me organization. I was so excited that someone might be investigating criminal charges against  XXXX , I told all my frie nds. One said be careful, figure out who is contacting you. I  XXXX  it and found this organization i s actually  XXXX ! Why would  XXXX  send a CRIMI NAL investigator to cont act me without saying they are from  XXXX ? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this  investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! T his is far from closed  XXXX .
I purchased a {$1100.00} washing machine in XXXX 2015 on my Sears Mastercard with no interest, deferred billing for 12 months. In XXXX, 2015 I did a balance transfer to the same XXXX for {$4300.00} using their Convenience Check sent in the mail. In XXXX 2015, I purchased for my mother a {$1500.00} refrigerator using the same XXXX. Of the XXXX options at the time of purchasing the refrigerator, I opted for a 5 % discount on the price by using my credit card. The other XXXX options were deferred billing or free delivery. I had created a budget to pay off these charges within the time frame and have been making steady payments. Knowing that I was going to pay off the refrigerator in full when the statement came, I noticed that on my other charges Sears has been allocating like 98 % of my monthly payments to the large balance transfer ( which cost me an upfront fee of {$140.00}, and it IS NOT accruing interest like the washing machine is ). Upset by this and more importantly, I was worried that the refrigerator ( as a current charge ) would not be paid in full, even though I was paying it in full, I called Sears. I found out today exactly what I had feared. I had paid {$1800.00} this month of which Sears DID NOT allocate the full {$1500.00} to my refrigerator and now I have an interest charge on it! They paid around $ 1100+ and the rest of my payment went to the balance transfer, not even the washing machine which has {$170.00} of deferred interest. The Manager in North Carolina would not help me. I was given a bunch of rhetoric. I was told that if I had managed my account better this would not be the situation. They love to say " there is a hierarchy payment structure. '' I was told her hands were tied. So, I told her that I was filling out this complaint as we spoke. She said, " You got to do what you have to do. '' I told her I am and that you guys would be my muscle. She called me back in about XXXX minutes and left a message that they would pay the refrigerator in full. But, a bigger problem still persists. What started out as a 12-months, same as cash offer to pay off the washing machine has now been squeezed into a 5-month same as cash to pay the remaining balance of {$1100.00}. It 's been 7 months since I have been making payments and that balance has gone down by only {$15.00}! This is criminal. I now have 5 months to pay off {$1100.00}. I am so upset and feel so abused by the banking system. Please help me. I do n't know how I 'm going to get that {$1100.00} paid in full by XXXX to prevent the {$170.00} in interest. I still have a balance due on the balance transfer. No matter what I pay, they refuse to allocate any money toward the washing machine. My reality is that I have to pay around {$3200.00} by XXXX to avoid paying {$170.00} in interest. You have done a tremendous job in credit-card reform with how statements read concerning revolving debt and payments. This is the next major assault that you have to blow the lid off. I am desperate.
XXXX agreed to a modification in XX/XX/XXXX but with their agreement they promised to clean all lates as to provide us with a true fresh start. This was the third modification attempted and it finally worked out. We retained a lawyer to help. The initial modification was rejected by their error on XX/XX/XXXX and that would have had us with a four year clean mortgage payment history.
Fifth third bank is showing a late payment on my report. Late payment occurred due to their payment site being down and I was out of the country for 2 months. Upon returning I was told they remove that late payment from my account since it was due to a technical error on their part, however, they are now refusing to update my credit report and remove the late payment. 

They are also showing a balance of {$56.00} which is incorrect as there is a {$0.00} balance on this account.
Nationstar Mortgage has insisted for over a year that I have insufficient flood insurance despite the fact that I have provided proof. Nationstar deducted from my escrow a payment for supplemental flood insurance and when I contested this they refunded the money and agreed I had sufficient coverage. Nationstar recently started up again claiming insufficient flood insurance and they are deducting from my account again to pay a supplemental policy. I have tried repeatedly to solve this problem, but to no avail. Can you help? They are stealing from me and are a disreputable company.
I have recently discovered that XXXX XXXX has reported a delinquent account to my credit report in the amount of {$250.00} in which they state on my report that they are the original creditor and that the account was opened XX/XX/XXXX. There was no such account opened in XX/XX/XXXX. The original creditor was XXXX ( and XXXX is no longer in business ) in which the account was sent to collections in XX/XX/XXXX by XXXX. XXXX XXXX failed to have ever send me a debt validation notice 15 U.S.C. 1692g They have further falsified information on my credit report stating that they are the original creditor and that the account was opened in XX/XX/XXXX, this is simply not true.
I have been paying on my federal student loans since XXXX which was a year after I XXXX from XXXX school. I paid off my private loans a couple of years ago. I was under the assumption that under the XXXX XXXX XXXX XXXX I would make payments for 25 years. Since Navient took over my loans in XXXX they do not count the 10 years that I had been making payments and now say that my loans will be paid off in XXXX. I am XXXX XXXX XXXX and I do not want to be straddled with student loan payments when I retire in 6 years. My current loan amount is approximately {$93000.00} after close to 19 years of payments. I was a single mom with XXXX children while I was going to school and I have been working since XXXX of XXXX and started making payments on my loans in XXXX of XXXX. I have never defaulted on any loans.
I am rejecting this response because : I have a right to request the credit reporting agencies method of verification under FCRA, Section 609 a ( 2 ) You must disclose the source of this information to me. 
Also FCRA Section 611 paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states. " if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. In this case you said you spoke to someone at the TN US bankruptcy court. I am requesting the following. 

If you can not supply me with this information in 15 days I want this incorrect information removed from my credit report or my next response will be to file a small claims lawsuit against your company to legally have it removed. 


( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute.
I requested a payoff quote for my mortgage. I received the quote via email. I then paid the entire sum. A few days later I received via email another " payoff '' quote stating that I owed {$250.00}. When I contacted the company they did n't really explain what the additional amount was for. To clarify whether or not I had paid the correct I returned to the original email containing the " first '' payoff quote. It had been changed to {$250.00}, and not the original sum. This is fraud. A company should n't be able to change an original document in an attempt to mislead people into making " extra '' arbitrary payments. The company is Nationstar Mortgage. In addition, during the time I had the loan I paid the payments online the first of the month when they were due. However, despite making timely payments I would receive a monthly statement saying that I paid the mortgage late, and that I owed an additional {$40.00} late fee. I believe this is also FRAUD. It certainly is dishonest. It is possible that other people made unnecessary payments after receiving these statements.
As reported in Experian, XXXX reduced my credit limit on an account i believe that I do NOT hold. with little to no info being provided, it has been impossible for me to clarify this with Experian or XXXX. I believe this information has been posted in error. 

Company XXXX Address XXXX XXXX XXXX XXXX, SD XXXX Phone BYMAILONLY Date Occurred XX/XX/2017 Source EXPERIAN Previous Limit {$3000.00} New Limit {$2200.00}
Good day, I never received any mail, or any notice of this alleged debt. I have continued to request for verification and validation of this debt but to no avail. This company continue to contact me and harass me at work and home with threats of jai l ( Attachment Warrant ) this i s the last communication i had with them. This debt is not mind, i have never had a contract with this company.
On  XXXX / XXXX /  XXXX   I deposited {$400.00} in cash a t Wells Fargo   XXXX   XXXX . On  XXXX  my online statement showed the {$400.00} deposit with a reversal. I made a copy of the statement. The person (  XXXX   XXXX   )  said she sees no deposit, but will research it. Next day on Thursday I see  XXXX  deleted the deposit off my statement. I see the branch  manager and she  says we will research it. Now the bank just says they see no deposit. Well, as I said  XXXX  deleted the deposit off my computer records. The bank refuses to put the money back in my account. I got a police report. The bank does not give receipts unless you ask for  one, but look I have the deposit on my copy of the statement. The bank refuses to tell who took the deposit, who re versed the deposit, who deleted the deposit. If that is not a sign of guilt, what is?
The car was repossed. They say the balance is {$6600.00}. When I talked to the agent back in XXXX XXXX of 2016 they told me the balance was half of that.
I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX. The car had a fire and was deemed a total loss on XX/XX/XXXX. My insurance company XXXX paid the total loss claim of {$6100.00} on XX/XX/XXXX. 

XXXX XXXX was the lienholder. I had purchased a Gap policy when I purchased the car. XXXX refused to pay the Gap claim and attempted to sue me for the residual balance. 

I went to court in XXXX County regarding this matter in XX/XX/XXXX. I filed a complaint with the XXXX State Insurance Commission and the XXXX   Insurance Board for refusal to honor the GAP policy. 

XXXX issued a payment in the amount of {$2200.00} to XXXX XXXX. Prior to XX/XX/XXXX, I paid XXXX. Additionally I made payments of {$500.00} XX/XX/XXXX, {$250.00} XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX my paycheck was garnished in the amount of {$860.00}, XX/XX/XXXX {$860.00}, and XX/XX/XXXX {$870.00}. 

The total amount paid to XXXX is {$24000.00} between my payments, XXXX payments and GAP insurance. 

The creditor is reporting on Equifax as a collection on my credit report. This is negatively affecting my credit report I have made numerous attempts to resolve with the company as well as to dispute on my credit report. The collection was updated on XX/XX/XXXX.
I never received notification of the debt. After receiving circular ads and law firm advertisements I followed up and was made aware of suit. Yet, I responded to see who was Midland/ XXXX XXXX XXXX in dispute of the allegations. I'm scheduled for mediation. I have received what's described to be a validation. These documents have affidavits of individuals that I'm uncertain are real and that they are authentic. Since this company has been sued I'm asking for assistance that you would investigate XXXX XXXX XXXX and or XXXX XXXX XXXX in view of these cases. Thank you
I want to submit another complaint against Chase Bank concerning my XXXX card. the original CFPB complaint # is XXXX. I have received two letters from Chase concerning my complaint. Both letters state if there are questions, please call at the respective numbers and hours. XXXX XXXX XXXX voice mail, who responded to the CFPB inquiry states he will respond within two business days. It is obvious to me Chase does not want to respond by phone. I find this behavior troubling, especially since I was a Chase card holder since XX/XX/XXXX. XXXX XXXX ; s response was the Sapphire card was issued after XX/XX/XXXX. In my original complaint, my XX/XX/XXXX statement includes an annual fee adjustment of {$55.00} dated XX/XX/XXXX which supports my claim I cancelled my Sapphire card in XX/XX/XXXX. Chase refers to a product change. I don't understand why I was issued another Sapphire card in XX/XX/XXXX. I cancelled my Chase Freedom card in XX/XX/XXXX, not my Sapphire card. The annual fee adjustment of {$55.00} was added back to my account on the XX/XX/XXXX statement. My issue with Chase is not just about the money. I believe Chase has taken advantage of me and refuses to resolve or take responsibility for their actions.
on XXXX/XXXX/2015 Bank of America processed a Debit for Charged Off Credit card Account. without any prior notice given to me. I am the owner of this account. when I asked the bank for an explanation they say that my son was a co-owner on the account therefore they can take the funds without notice. he is the person we owes the money. I informed them that I need this money for my mortgage, and that I am the owner of the funds, not my son, but the bank will not refund my money. I do n't know what to do its a credit card that my son was trying to negotiate payments on. PLEASE HELP!! thank you XXXX
I purchased a XXXX XXXX XXXX Order from XXXX in XXXX, Ohio in late XXXX XXXX 2017. It was for a vacation rental in XXXX SC. The amount was for {$570.00} and was sent to an individual. This woman then deposited it into her Wells Fargo account. On the morning that I was to drive to SC I received an email with a screen shot from Wells Fargo stating that the funds were withdrawn from her account because the money order was determined altered / fictitious. My reservation was cancelled and I did not go. 
XXXX claims no responsibility. The woman claims no responsibility ( it seems she did not get her money ). Wells Fargo will not talk to me as it is her account. However I paid XXXX XXXX to investigate this and they said the funds were paid to Wells Fargo. 
I hold Wells Fargo accountable and want my money returned either to me or to XXXX XXXX so they can refund me.
Having an account through Synchrony Bank/Synchrony Financial ( formerly GE Capital ) for about one year, one in good standing and with XXXX balance, I received a notice from my credit monitoring service that the account was abruptly closed. My account was closed without any prior notice, warning or request. Upon calling the bank, pleading to speak to someone in the United States, I was eventually told that I was n't using the card enough. This card was barely 12 months old. 

The closure of this account, as with any account closure, immediately and negatively impacts a consumer 's credit score, as it did with mine. The card was still new and even though the parent company advertises that the card 'will be there when you need it ', this was not true at all. The bank 's representative went on to tell me that even the additional XXXX cards I hold with this bank may also be closed, simply because I do not use them enough. I suspect these practices may possibly violate the Fair Credit Protection Act. My consumer credit score has now been damaged by this bank 's action for no reason of my own other than that I was n't using the account. I was told I could reapply for a new card, which would also negatively impact my credit score and likely cost me fees by the bank. The practices of this financial institution appear murky at best, and possibly in violation of Federal laws and practices.