WillisBack/dataset-financial-user-claim huggingface dataset:
I am asking for some help here, please! My life has been very difficult and US Bank is making it harder for me. I had all of my credit cards stolen recently and I have spent weeks disputing transactions and trying to get new cards mailed to me and in the process I signed up to monitor my credit and I was so shocked to find that US Bank was showing me as 30 days late for XXXX of XXXX. I had resolved this issue that same month when I called and told them that I had never received my bill/statement and a new one was sent out to me. I noticed a few weeks later that they had notified all 3 credit reporting agencies that I was late 30 days, yet they had assured me I was not and apologized for my lost/stolen statement. I called them and spoke to a XXXX who saw that I had an issue receiving my statements and he said to me that the 30 day late would be removed. I asked them to send me a letter confirming this and they did, but unfortunately since this was years ago and my work briefcase along with my personal bags were stolen from my car XXXX no longer have this letter. Why was this information not updated like they said it would be in XXXX? this is so damaging to my life and my financial business and yet they had assured me that this would not be on my records or held against me. I am so frustrated and saddened that nothing was done and here I am 3 years later stressing this ridiculous issue again while I am making trips to the courthouse to prosecute the thieves that took off with my briefcase and credit cards. 

I wrote them a VERY kind letter, which I have attached here so that the CFPB can see the issue at hand as well, and they DENIED me so coldly and without ANY sort of explanation investigation. The letter explains NOTHING and only confirms whatever they want it to confirm.It is apparent to me that they do n't want to change anything because they do n't want to be wrong. but they are reporting this inaccurately. they said one thing and have done nothing. No phone call is transcribed here which would explain everything form XXXX and no managers name are shown here either to show whom I spoke to initially. I formally request that letter again, I know that they have it on file because they sent it to me, so it should still be there and noted that my calls were made. It would be unprofessional for them to deny me this. I was NEVER late! PLEASE HELP!!
This company is trying to collect {$1600.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
I submitted dispute letters to the credit bureaus and directly with XXXX on multiple occasions and XXXX continues to verify the inaccurate items. The XXXX listing with a credit limit of {$29000.00} ; according to my Experian report this item should no longer be on my file. The first date of continuous delinquency that they are reporting of XXXX XXXX is not accurate. The date of continuous delinquency should have been XXXX of XXXX not XXXX of XXXX. This loan was not deferred therefore according to my contract with XXXX payments would have been due 6 months from the date that I was no longer enrolled in school as such my first date of continuous delinquency should have started on XXXX of XXXX. This item is over 7 years old and should have been removed from my file in XXXX of XXXX. The calculations of these dates, account history and reportability is not accurate. In my dispute I included a print screen showing the inaccurate items that they are reporting. XXXX has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. I 've been turned down for credit and my good name has been tarnished. 

My previous report dated XXXX/XXXX/XXXX for account {$12000.00} clearly shows that it was 60 days past due as of XXXX of XXXX. 7 years from that date XXXX+7years= XXXX XXXX. This item should have been deleted from my report in XXXX of XXXX. XXXX has re-aged this item and continues to report an item that should have been deleted over a year ago.
I have tried to resolve this issue with  XXXX  and Transunion.   XXXX   has deleted the incorrect entry on my credit report. There is an incorrect entry on my Transunion and   XXXX   credit report for   XXXX   XXXX  . It 's showing a charge off for {$19000.00}. This is not my credit card. I have provided all  XXXX  credit reporting agencies proof that this account did not belong to me. Only  XXXX  did the proper thing and delete the wrong information.     It sickens me that Transunion and   XXXX   seem to be comfortable with knowingly reporting inaccurate information on my credit files. It almost makes me feel like they have something to gain by neglecting to do what 's required by law. Otherwise, I do n't understand why they have n't erased the entry. I never applied for that card, never signed a contract for the card, yet its on my credit report and they refuse to take it off even after I have proven to them it 's not mine.     If it continues to remain on my report 15 days after they receive this complaint, I will file suit in small claims court for damages as outlined in the FCRA.
In XX/XX/XXXXI was informed that my father XXXX XXXX had a reverse mortgage from XXXX XXXX XXXX XXXX and then I received a letter from the above bank I since have dealt with 4 banks and 3 attorney 's and bankruptcy to finally fine a copy of my daddy 's original loan from XX/XX/XXXX. I was led to believe my father owed {>= $1,000,000} dollars when the bank only lent my father $ XXXX.XXXX XXXX was sold to XXXX XXXX XXXX and they were sold to XXXX XXXX now XXXX XXXX is the investor and XXXX is the Servicer who replaced XXXX XXXX in XXXX Tx. last summer I was in contact with XXXX   escalations department and able to establish a short sale where I could sale the house 3rd party to my daughter XXXX XXXX who is a XXXX XXXX with the XXXX XXXX XXXX XXXX district. My daughter signed all the disclosures only to find out the lender wanted gave her alone for {$390000.00} when the loan pay off was XXXX we ask XXXX  to allow us to find another lender. they agreed right before the holidays  to allow another broker. On XX/XX/XXXX. I found out the short sale letter expired and my realtor was out of the country in XXXX on an emergency plus the government shut down is not allowing me to contact hud to make them aware of all this confusion. I called XXXX XXXX and I have not received a response and my daughter who is XXXX is ready to close within 2 weeks on a house we have lived in 53 yrs. This house is our family home and I have a XXXXyr old aunt who lives with us we need help with this mortgage servicer asap. the bank wants to foreclose knowing we are closing on a loan with the government shut down there is a major conspiriacy
hello, I bank with wells fargo for now 5 years. money was credited on my savings account and then taken several times because of one claim that was closed on my favor. 

the bank left my savings account on a minus negative balance saying the reasons it was done because they had credited me in error too many times. and that by error they had opened several disputed on the same case. 

so the out come was that everything they gave me was at the end taken and leaving me with a negative savings balance for a dispute from XX/XX/2017.
made a cash advance on XX/XX/XXXX for XXXX. made a branch payment on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. purchases have an interest rate of 15 per cent and cash advance has an interest rate of 25 per  cent. the card is wells fargo. according to the credit card act of XX/XX/2009 all payments above the minimum payment are to be credited to the higher interest rate first. my minimum payment for my statement closing date of XX/XX/XXXX is XXXX. so the other XXXX should have been applied to the higher interest rate cash advance. it was not applied. i called wells fargo on XX/XX/XXXX and was referred to a supervisor named XXXX. he referred me to customer care a person named XXXX talked with me. he claimed first that the law had changed so i XXXX the change but found no evidence. so XXXX claims that i have the wrong understanding of the law. that is what prompted me to contact the consumer financial protection bureau.
For nearly a month, TransUnion has been reporting a collection from " XXXX '' a/k/a XXXX XXXX XXXX on my credit report, tarnishing my name and making me unqualified to obtain an auto loan with XXXX due to this collection. 

I 've disputed this collection with reporting agency and TransUnion but TransUnion reported that the reporting meets requirements of the FCRA. IT DOES NOT. 

On XXXX XXXX, 2016, I called the original creditor of the debt, after investigating, XXXX XXXX discovered that the payment I made before my account was turned over to XXXX was credited improperly. XXXX pulled my account out of collections. 

The debt collector, XXXX companies, says that TransUnion is reporting the information on this collection account and they 've already requested to have it removed from my credit file. 

TransUnion is tarnishing my credit file and making me ineligible for auto financing. I demand they stop reporting this collection. XXXX and XXXX have n't reported on this debt in over 3 weeks and TransUnion says it meets FCRA requirements. 

I am willing to speak to the media about TU if necessary.
XXXX  is reporting incorrect information to my credit report that is adverse. I tried contacting  XXXX  without success. I filed a complaint to the BBB and  XXXX  refuses to remove the information reporting to my credit report. They according to different departments said when I moved they canceled my service and charged an early termination fee that got paid and should not of. When we moved our services with  XXXX  the fiber optic line was damaged d own the road an d they had to splice the line. Since we have had terrible service and resided to cancel service due to lack of a clear picture on tv.  <P/> In our last place the picture was clear and believe the problem was in the repair. We had to spend the entire day waiting for  XXXX  to fix the problem. We could not leave or the tech would not complete the install.  XXXX  has there billing all incorrect and spending time on the phone for hours we figured it out. Each department will not communicate with each other to help resolve this. So in the mean time I am stuck with adverse information that is not correct and should not be on my credit report. I am stuck getting higher rates on loans because of  XXXX  mistake.  <P/> There address provided is  XXXX   XXXX   XXXX  NY  XXXX
I have been paying my loan. XXXX XXXX XXXX XXXX applies the payments to a different account and reported me late to all three credit unions.
My lender will not cancel PMI even though my home my has gone up significantly in value which as a result brought my loan to value ratio down to 60-70 % ; far below the 78-80 % minimum requirement. They state that is based on the loan amount not the fair market value which again is much more than I purchased it for.
I have received e-mails from this company stating I have an outstanding debt with them and I checked my credit report and this company is not listed and also I don't recall ever taking a loan out with this company and also I have never heard of this company when I started receiving threating e-mails.
This dispute concerns my Paid Collection Account [ XXXX, XXXX ] on my Experian Credit Report file ; The original creditor for this collection account is XXXX XXXX XXXX XXXX. It is my understanding that a Collection Account ( Potentially Negative Account ) is deleted from a credit report file 7 years from the date of XXXX delinquency with the original creditor [ XXXX XXXX XXXX XXXX ]. My Experian Credit Report File only shows the date that XXXX, XXXX received the XXXX XXXX XXXX XXXX account for collection, which was XXXX XXXX. The date of XXXX delinquency with XXXX XXXX XXXX mobility should be reported as XXXX XXXX, not XXXX XXXX. I have disputed the accuracy/inaccuracies of this collection account with Experian, but they apparently will not conduct a thorough investigation which should include contacting XXXX XXXX XXXX XXXX.
I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked very long for has dropped over  XXXX  points because of something preventable. Thank you
My loan was originally a Federal Student Loan, has been consolidated under Navient. I have asked Navient that, if I pay extra that what is due, can it be applied directly to principle. The response I have been given is no. If I pay extra, they will recalculate my payment and it will become the new amount due. I do not want this to happen, because, while I can pay extra now, if I needed to take a month off from that and just pay the original amount, I would be penalized. I again asked if I could send in an extra payment during the month with the instruction for it to be applied directly to principle, and Navient responded that this is not possible, and they would pay interest ( aka themselves ) first, therefore reducing the amount of principle that is reduced. I did some research and it appears that I should be able to make this request to Navient, as other loan companies will accept this type of direction from the borrower. Navient refuses to consider this without changing my payment amount permanently. Unfortunately I am stuck with Navient and have had multiple complaints about their service and the way they process payments.
TRUEACCORD SENT ME AN EMAIL STATING THAT I COULD PAY MY DEBT TO THEM. I HAVE NEVER BORROWED MONEY FROM TRUEACCORD, NOR DO I OWE THEM MONEY.
I received a letter regarding a missed payment in XX/XX/XXXX. After checking my bank account and verifying that I had mistakenly missed a payment in XX/XX/XXXX, I called them to discuss what I needed to do. At that time the person I talked to told me that sending my regular payment for XX/XX/XXXX should catch me up, as I normally pay more than the minimum payment. I did so, but have continued to receive letters, and am now getting harassing phone calls. I spoke with a representative on the phone today who kept badgering me and calling my account " delinquent. '' I told them to stop calling and harassing me. I have paid every month since I spoke with them about my missed XX/XX/XXXX payment, and followed their directions to " catch up '' on the XX/XX/XXXX payment. I want the harassing phone calls to stop. 

Additionally my interest rate is over 9 % and I have contacted them numerous times about reducing my interest rate so that my monthly payments will actually go toward reducing my balance. They have been unwilling to work with me on reducing my interest rate, even though I have faithfully made my monthly payments.
I have filed a police report the following accounts are still on my Experian Credit Report. 

XXXX XXXX XXXX Account # XXXX Payment Status Charge-off Past Due Amount {$23000.00} XXXX & XXXX Account # XXXX Balance {$2200.00} In XX/XX/2017 I spoke with a Experian representative regarding my situation. The representative advised me to get a police report as a supporting document regarding the accounts. I went to the XXXX Police Department and retrieved a full police report. On XX/XX/2017 I faxed and mailed the police report to Experian to remove the accounts. Accounts have been charged off and they are negatively affecting my credit report by reporting it as late and has been transferred/sold to collection agency. I do not have this vehicle. In addition, if you singularly or severally fail to comply with the above requests I reserve the right to seek damages and legal suit against all parties, under all available State and Federal statutes and XXXX XXXX remedies.
GE MONEY now SYNCRONY I purchased Furniture from XXXX in XXXX NY. XXXX XXXX XXXX went into collection. TO avoid a judgement I entered into payment agreement in XXXX. Payments were mad in full. No judgement was ever placed. somehow in XXXX this is STILL a revolving account on my credit saying it has been in collection since XXXX. They claim to have contacted me in XXXX stating I owe. what happened to XXXX, XXXX, XXXX? Someone sold my account as debt when it was already paid. I have been all over the internet and I see that GE has been having record keeping issues over the years and I know that this is a mistake. I have agreed to all debt and paid all delinquencies on my current report except this! PLEASE HELP ME!!! I asked to have it disputed. How is this even possible? why did they not file the judgement if I failed to pay? how can an account be in collections and still be revolving as not being paid monthly? this is literally a nightmare!! PLEASE HELP. 

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX
I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/2018 that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX   updated, with all payments and current balance to all 3 credit reporting agencies.
I received a letter from Chase indicating they had overcharged me on interest while I was recalled as a military reservist subject to SCRA protections. They refunded me approximately {$2600.00}. They then filed it as " income '' with the IRS and sent me a XXXX. It was money I had already earned and paid taxes on which they wrongly charged me and then refunded. It was not income. I should not have to pay taxes twice on the same money. I sent them a letter in early XX/XX/XXXX, but they have not responded to my request for correction.
XXXX in XXXX XXXX is on my credit report - do not recognized this company XXXX XXXX in XXXX XXXX is on my credit report - did ant apply for anything
I deposited a {$2500.00} check yesterday at bank of America 's ATM. Despite the requirement that the first {$200.00} be available the next business day, my receipt shows the full amount is on hold until XX/XX/2019
Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have Transunion clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX , XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX
In XX/XX/XXXX, I received a bill from Macy 's for over {$700.00}. I reported that I had not made these charges. Macy 's closed the account, informed me they would investigate the fraud, and issued me a new credit card. Within XXXX weeks, additional fraudulent charges were made to this new card, in excess of {$1000.00}. I reported this as fraud to Macy 's and told them to eliminate my information from their databases and NOT SEND ME any additional cards. Macy 's promised to investigate both incidents of fraud. I sent as you will see from the attached documents everything they requested, reported each of the fraudulent incidents to the local police. In spite of these fraud investigations, Macy 's had their collections departments calling me and on XX/XX/2016, reported me as XXXX days late to XXXX. XXXX refused to remove the incorrect 30 day late report for Macy 's had told them it was legitimate even though it was not. I am at a loss as to how to get Macy 's to remove the negative credit report which they should have already done. I therefore am requesting your intervention.
Several Months ago I filed for a home loan modification. The company SLS has our mortgage, they are somewhat new to us. I have taken the liberty multiple times of sending in every document they requested of us. I spoke to our representative XXXX, just before the XXXX XXXX holiday. XXXX assured me since I have submitted the same docs over and over they had everything they need to put our case under review. I have not worked since XX/XX/XXXX2016. I look in our mailbox today receiving a packet stating they could not review any of the modification options because we did not send in all of the documents they requested. What I found out is, if the documents are not sent in full each time they request a certain document ( s ), our documents are not saved in their system in a file assigned to us, and they are losing sensitive data with all of our personal information disclosed. I am out of options and tired of repeating my efforts for the fifth or sixth time I need someone to intervene!!! My name is XXXX XXXX our home address is XXXX XXXX XXXX XXXX, CA. XXXX. My mobile number is : XXXX I am caring for my dad who is a victim of elder abuse and going to work right now is not an option. Our household income is limited and I need help desperately. My husband is working XXXX jobs at time 7 days a week to sustain our home and we have a graduate XXXX. I am overwhelmed, heartbroken, and spent. The Company is Specialize Loan Servicing XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX XXXX # is XXXX XXXX XXXX Please help
Equifax dropped my credit score 79 points after having a collection removed from my credit report. I have submitted documents to them to show that I paid the collection agency and that XXXX should marked as paid. I have tried disputing with equifax and try put a comment that I was disputing on my credit report but the account has been paid in full and I feel dropping my credit score 79 points after paying a collection is not fair. I submitted documents to prove the account has been paid in full
I am a XXXX Veteran who became late because of confusion from the VA dept. They suspend my payment by error, and I had no income. I became default on my mortgage. I was able to get everything corrected with the VA department and I now receive my full benefits again. I tried to apply for a modification because I resolved my hardship. Nationstar declined me because I make to much money? Unable to reduce the payment I have been told. I am trying to avoid a foreclosure.
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I am a XXXX veteran on a fixed income. I was injured in XXXX XXXX and this is the only income I will have for the rest of my life. I was in the XXXX from XXXX - XXXX and I have fought in the XXXX XXXX.
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I am not trying to lower my payment. I am trying to save my home from a situation I could not control. I want to avoid a foreclosure or a bankruptcy.