WillisBack/dataset-financial-user-claim huggingface dataset:
Nearly 2 months ago ( XXXX XXXX ) I submitted a complaint against Ally Financial regarding my auto lease and nothing has been done. No one has contacted me regarding resolving the matter. In fact the opposite, I received another paper statement threatening that my account go to collections which would negatively affect my credit. In over 2 years I have not missed a payment and they now are saying I owe money that I do not and are assessing me late fees. At this point, this is harassment and I am seriously considering legal action against them. I would expect the CFPB to assist and to this point nothing. 

The issue is that I got the vehicle in NY and per my lease agreement and confirmation from the dealership, taxes were included into the lease payment. Because I moved, Ally is now saying I have to pay taxes that were already paid on the vehicle. Their customer service is inept. I called and spoke to someone in a foreign country ( XXXX or the XXXX ) for over half and hour. That person was clueless. I gave specific instructions and information and no one ever followed up. I called back a week later for a status update and that person was even more clueless and said that no one had done anything that they were supposed to do ( based on my instructions or what they said they would do ). I submitted a complaint and nothing has happened ever since. 

I will sue whomever I have to, to protect myself and my rights. I take this matter very seriously and expect the same level of importance be given to the matter that I am giving. I expect quick resolution.
XXXX XXXX  has sent me multiple notifications that I have been denied an XXXX XXXX XXXX card. I have never applied for such a card, and have no intentions of doing so. I've previously contacted XXXX directly to let them know that an application for this exact card was fraudulent, and they issued information to Equifax to correct my credit report, but it has happened again. They should have taken steps by this time to prevent the error from being repeated, but yet again I have to resolve the issue rather than them preventing fraudulent credit applications in my name which seem to only ever occur for this particular card with this particular company. I'm sick of this XXXX. 

XXXX reference number XXXX
1 ) i notified Experian that on XX/XX/2016 i sent XXXX XXXX XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA 807 ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by experian has not removed the report i sent 2 more letter to XXXX XXXX XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that experian remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.
On X/XX/2017 XXXX XXXX XXXX submitted a request to delete the account they are reporting to Equifax due to it being a fraudulent account. Despite XXXX XXXX XXXX requesting the item be deleted Equifax is still reporting the information. I have included a copy of the complaint filed with CFPB.
Wells Fargo representatives will call at least three to four times in one day if my payment is late. The calls will continue everyday until the account is current.Each time this has happened I ask that they stop calling or at least leave a message with the purpose of the call, but they do not. I would expect this kind of harassment from an unpaid debt, but not if I am a few days late making a payment.
On XX/XX/2015 I requested my annual credit report ( Equifax ) via the automated phone ( XXXX ). My request was accepted. By XX/XX/2015 I had received nothing. 
I repeated my request via the automated phone system and again it was accepted. 
In a few days received letter from Equifax stating I had received a credit report within the last 12 months ( not true ). There is no customer service number for Equifax , so I am stuck.
1 ). I have sent to a 1 ).  I have sent to a Cali fornia Beneficiary Information reque st Nationstar which claims to be the servicer of the mortgage of the loan for my home. This was done to notic e Nationstar that there is a error in the loan balance and to help modify the loan. Nationstar has refused  to return the information as required by the California   Civil Code Section 2943. See attachments.
2 ). I email the California Beneficiary Information Request through NACA to present to the Nationstar on    XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX . To my knowle  dge Nationstar has not returned to NACA the requested information.
3 ). Nationstar through a substituted trustee is currently dual tracking the mortgage on the home. I 'm in the process of review for a modification and Nationstar through Quality Loan Service have a trustee sale date s  cheduled for  XXXX   XXXX ,  XXXX  for the home.       4 ). The modification that is being offered by Nationstar is well above the threshold for HAMP and the modification offer is around 43 % of my gross income.
Request Nationstar which claims to be the servicer of the mortgage of the loan for my home. This was done to notice Nationstar that there is a error in the loan balance and to help modify the loan. Nationstar has refused to return the information as required by the California Civil Code Section 2943. See attachments.
2 ). I email the California Beneficiary Information Request through NACA to present to the Nationstar   on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX . To my knowl  edge Nationstar has not returned to NACA the requested information.
3 ). Nationstar through a substituted trustee is currently dual tracking the mortgage on the home. I 'm in the process of review for a modification and Nationstar through Quality Loan Service have a trustee sale date scheduled   for  XXXX   XXXX ,  XXXX  for the home.      4 ). The modification that is being offered by Nationstar is well above the threshold for HAMP and the modification offer is around 43 % of my gros s income.
I settled the debt under the pretenses it would be rightfully removed from my credit report. I paid the settlement amount within a MONTH of it hitting my  report, as agreed upon it was to be removed. Yet at this present time it is still reporting to all   XXXX   bureaus (  XXXX ,  XXXX  &  XXXX . This is in complete breach of what was agreed upon nearly 4 years ago. The conditions were as followed : I am willing to pay the SETTLED amount in FULL : Your company will delete all references to this account from my credit profile at the   XXXX   credit bureaus (  XXXX ,  XXXX , and   XXXX    ) : You will not list this debt as a " settled account : Your company will accept this payment to satisfy the debt in full. NONE OF THESE CONDITIONS WERE MET, accept you withdrawing my funds. I will continue to take action until retribution is made.  I fulfilled my requirements per our agreement and you continue to cause substantial delays in my progression. The report needs to be deleted immediately.
Ad Astra Recovery Services is currently reporting on a debt, in the amount of {$600.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to   XXXX   XXXX  . Ad Astra Recovery does not own the debt. I have a contract with   XXXX   XXXX  .
Starting in XX/XX/XXXX I made my final payment on my automobile loan. At that time, my FICO score according to TransUnion was XXXX. I am have not changed or closed any of my three credit cards that I currently have. All my balances are paid off immediately. I have no other late payments of any kind. Student loans have been paid off for over 3 years. Yet, over the past 9 months, by credit score has been steadily declining to the point of being XXXX. I have called TransUnion before, approximately 2-3 months ago. I basically was told to read the " factors affecting my score. '' The only two factors are, lack of recent installment loan information and length of time revolving accounts have been established. 

Like I stated above, I have made no changes to my credit cards over the past several years. The only change would therefore be " the lack of installment loan information. '' What information do they want?? I responsibly paid off my automobile loan and now I am paying the price by getting a significant drop in my credit score?? What options do I have? Do I need to finance another car or take out a student loan? Any insight would be greatly appreciated. Date of birth : XX/XX/XXXX
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : CBNA Account # : XXXX I was never late 30 days late in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
I previously submitted a complaint on the Bank Of The West for not sending me information on my account including acknowledgement of my loan being paid off on XX/XX/XXXX and my not receiving the title to my vehicle which was Case # XXXX. The bank did reply after you contacted them however they have n't given me everything yet. 
After their original response I received another letter from them dated XX/XX/XXXX in which they stated that I will receive my Certificate of Title or Lien Satisfaction documentation in approximately 10 working days. Well it is XX/XX/XXXX and the 10 days have passed and to date I have not received the title to my automobile. I personally feel that they are purposely holding onto my title and I feel that they need to be taken to task over this and fined heavily for their total lack of competency. 
Their contact information is Bank of The West, XXXX., XXXX, CA XXXX and my paid up auto loan was XXXX
I have contacted Experian to let them know the two XXXX XXXX credit cards that are showing on my credit report for charge offs are not mine and I want deleted off my report for they are hindering my credit score. I have not signed any type of documentation for these credit cards and I want them to show documentation that they belong to me. I have no knowledge of these two credit cards and want deleted off my credit report.
I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX 1. XXXX  XXXX  XX/XX/XXXX 2. XXXX/XXXX XXXX XXXX XX/XX/XXXX, 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XX/XX/XXXX 6.XXXX   XX/XX/XXXX 7.XXXX/XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX   XX/XX/XXXX XXXX  1.XXXX/XXXX  XX/XX/XXXX XXXX   1.XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX
I  have sent Midland Funding  letters on different occasions. The dates are as follow  XXXX   XXXX   XXXX  ,   XXXX   and they are claiming I owe {$590.00}. I keep asking them to provide me with a contract with my signature on it and they clearly have n't but yet keep claiming the account is verified..
My daughter missed her first payment to XXXX XXXX ( XX/XX/XXXX ). I found out and called XXXX XXXX in XX/XX/XXXX to handle this ( I cosigned ). The rep told me he sees it all the time, and I should just take over payments. He offered me a reduced interest rate as incentive, and I agreed. 

I made the first payment that night ( XX/XX/XXXX ) and continued over the next months as per the agreement. However, in XX/XX/XXXX I was told by XXXX XXXX that they rescinded the offer made in XX/XX/XXXX, and I was now several months late ( even though they were still taking payments directly from my account ). 

Within 2 days I paid XXXX they said was now due. In any case it was too late and they reported me as delinquent to XXXX XXXX. I wrote XXXX XXXX a letter explaining this, and they refused to remove the mark. 

They did call me between XX/XX/XXXX and XX/XX/XXXX, telling me I was late ( even though they were auto debiting the full amount from my account ). I'd call and explain the agreement, and they would apologize for the confusion, assuring me it was a system error or some such. 

I have email history from my XXXX XXXX account, which I can provide if necessary ( just need to make sure I'm not crossing legal lines in doing so ). I also have detailed notes about all of this.
OnXX/XX/XXXX, my application for Total and Permanent XXXX discharge was approved by the U.S. Department of Education. I am a XXXX veteran with a 100 % rating from the VA with an effective date of XX/XX/XXXX. According to the letter, I received from XXXX " Your loan holder ( s ) will return any payments that were received after your XXXX date to the person who made the payments ( that would be me ). The letter further stated that the discharge of my loans and refund of payments made would be made within 120 days. 

OnXX/XX/XXXX, I received a refund check from Ameican Education Services ( AES ) in the amount of {$5300.00}. This amount is less than my payments. I called AES the beginning of XXXXXX/XX/XXXXrequesting that the total amount of all my payments be sent to me, I was told my refund request would have to be reviewed and it would take 30 days. After 30 days I called again for the status, I was told it is still in review, I contacted AES in XXXX, XXXX, XXXX, XXXX and XXXX, I was told all five times that my refund request is still in review. 

I do n't have the total amount due to me because I only have a partial listing of my payments, I asked AES to send me my payment history from XXXX to XXXX, I was informed that it will take 30 days and that my history will be mailed, that was 60 days ago, and I get the same response of it taking 30 days even though it has been 60. My payment history on AES 's website only shows XXXX to XXXX. 

OnXX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX ( XXXX ) stating all of my student loans have been XXXX. 

Please assist me in obtaining the remaining refund, because I do n't have all my payment history I can not give you a specific dollar amount but based on how much I paid every month for 15 years. Also, will you assist me in obtaining my payment history from XXXX to XXXX. 

Because of my service-connected combat injuries, I am unable to work and I desperately need the remaining refund that was promised to me. Thank you for your assistance. 

XXXX XXXX XXXX Proud to Have Served!
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I recently paid down XXXX of my credit cards to reduce my utilization. Transunion has not updated any of the accounts. I checked with the creditors who are advising that they send the information over to all of the bureaus. Transunion has also allowed a collection company GC services to update a collection account XXXX times within two weeks. The update now includes an incorrect amount. These are strategy 's by Transunion to keep my score low. I also disputed a tax collection account in the amount of {$80.00} the investigation was due to be completed XXXX XXXX 2017. When i logged in the check the status of the investigation I discovered that the dipute was no longer active. I had to start a new dispute on the item. The item has been paid and was the mortgage companys responsibility. The actions of Transunion has caused me financial harm.
I have the name XXXX XXXX on my report. I do n't know her.
I filing this complaint with regards to a Public Record Information as being inaccurate. The law and by definition defines the term " Dismissed '' to mean that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization. I have a right to know who and where they have " verified '' this information. This negative is unjust and is holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court did not verify this derogatory entry and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I have been attempting to do a short sale with Roundpoint Mortgage for over 2 years. I have a cash buyer and have submitted all the required paperwork to Roundpoint Mortgage and they will not tell me if the short sale is approved. I spent over 30 days submitting every document they asked for. They told me that on XXXX XXXX 2016 they has all the documents needed and that now it would be up to 30 days to " process the short sale ''. They continue to stall and drag this out until my buyer moves on to another property. I am working with my XXXX cash buyer and he is about to walk also. This company needs to be reprimanded for the way they operate.
I've tried to resolve this with XXXX and the credit bureaus but they still keep reporting it as a foreclosure when it is a good standing account. It is incorrectly reporting as a M-8 meaning mortgage foreclosure or repo. This is incorrect and the coding should be a M1, paid as agreed. Because of this, it is causing us financial distress and preventing us from purchasing a home. There was a loan modification but we have been on time since.
I received 2 phones from XXXX XXXX XXXX telling me I owe accrued fees from a US bank account from XX/XX/XXXX. I asked for letter of disclosure of all information and was told they mailed it to old addresses, I gave new addresses and was told on XX/XX/XXXX that XXXX doesnt mail through XXXX mail but will email me information. I expressed that I received a class action check 5 years ago for XXXX bank fees they overcharged customers. XXXX stated I owe {$730.00} for past accrued fees on a deposit account. Again I said send me the infringe detail. He refused. I did contact attorney in XXXXXXXX Wi advice was file complaint.
On XX/XX/2018, I had attempted to have a authorized charge of XXXX go through. I was noticed that the charge was denied. I proceeded to log into my account to see what the issue was. I had received no notification on my phone or email. By that, I mean that if there was unusual activity on the card, I would receive a notification. I log into my account and was shocked that my limit was decreased from XXXX to XXXX. I had received no communication of any kind that this would happen. 

I had called my credit card company to found out why my limit was decreased. I was told that due to my other accounts having high limits, that the XXXX report submitted to my credit card company was the reason my credit limit was reduced. I have made 100 % on time payments and explain that I was supposed to be notified weeks in advance, but the representative could not give me a clear answer. I have a store card with my credit card company where my limit went from XXXX to XXXX!
all medical bills were paid in XXXX by medicaid and medicare company keep changing account number to get it back on credit report and puts the open date to hide that they are reposing back on credit report as XXXX or XXXX
I have paid on a yamaha credit cart for 7 years,XXXX a month, applying XXXX extra on a XXXX a mth bill, i paid close to XXXX and they say i owe them XXXX on a XXXXloan. they sent the debt to XXXX XXXX, and they call at least 6 times a day, as late as XXXX
discover bank credit card was declared in bankruptcy on XXXXXXXXand discharged on XXXXXXXXand was reporting correctly to XXXX as 0f XXXX but effective XXXX started reporting to XXXX as an open account with outstanding debts. 
account # XXXX
I keep having issues when trying to apply for things because they say my name and address dont match, or my name and social security number dont match. I tried online to fix this with Equifax and they dont allow me access and I cant get someone on the phone. They asked me to fax documents to a number which I did and still nothing has been updated. 
This is causing me alot of problems getting credit because people think that Im a fraud and Im trying to get a home equity loan now. I really need this fixed. I moved and bought a home in XXXX. I changed my address with the XXXX and the postal service so I dont know what the issue is?
I paid off my house on XXXX XXXX and received a payoff quote form Ditech and I have been having issues receiving a payoff letter form Ditech. I can not get in touch with anyone but costumer service and keep getting delays form them. 
I will attached documents of proof of payoff.
Someone who I do n't know is on my credit report on XXXX with me. He has the same last name and similar address. I just moved in the US three months ago from XXXX. and I have only XXXX credit card. but he has XXXX credit cards that were opened in 2007. so there are XXXX credit cards on credit report. 
I think something wrong with my credit report. 
Please let me know what to do.
I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within XXXX days as required under the FCRA.
I have disputed the late payments on this XXXX   XXXX  account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Synchrony Bank is reporting invalid information to the three credit bureaus. After calling in to Synchrony Bank on XX/XX/2018 speaking with 2 customer service representatives, I was told that the accounts that they " say '' are mine XXXX and XXXX have been sold to XXXX XXXX and that Synchrony Bank has no contracts or information on these accounts. 

XXXX XXXX sent me documentation as well as the three Credit bureaus sent me and updated credit report, stating that they have has ceased collections on these 2 accounts and have stopped reporting to the three credit bureaus therefore these 2 accounts were  removed from my credit reports. 

How is this information being verified when Synchrony Bank stated that the accounts were sold to XXXX XXXX and XXXX XXXX has Ceased Collections because they couldn't validate this debt as belonging to me?