WillisBack/dataset-financial-user-claim huggingface dataset:
I have complained to and sent information to XXXX XXXX XXXX services. They have reported my account ending in XXXX as being 30 days late in XX/XX/XXXX. I made 4 payments in XXXX XX/XX/XXXX for {$73.00} and XX/XX/XXXX for {$55.00} and then XX/XX/XXXX {$840.00} and XX/XX/XXXX {$720.00}. Both times they applied to the other account ending in XXXX. I called numerous times to have this corrected. The 2 payments on XX/XX/XXXX were finally after repeatedly calling over at ; east a 2 week period were finally credited corrected but the 2 payment on XX/XX/XXXX and XX/XX/XXXX wee never corrected and applied to the account ending in XXXX causing the account ending in XXXX to show 30-days late. I have called, faxed repeatedly XXXX XXXX and have disputed with the Credit Bureau to no avail. I want the negative 30-days removed from my account ending in XXXX removed. Both accounts have been closed.
Branch Banking and Trust has closed my credit card account without any form of notification for having no activity for 12 months
Credit Report dropped mysteriously on XXXX Noticed Cbna hard hit Inquiry from XXXX XXXX, 2017.
I did not apply for a credit card with this company or any related company under this bank. I did not  authorize a hard inquiry from this bank.
Deposit of XXXX made on XX/XX/XXXX, 3 separate deposits of XXXX made on XX/XX/XXXX. Wanted to withdraw the money as no longer wanted to use it to invest. Attempted to withdraw, was told to send a bank transfer of a few euros and then this would link my account. This was done on XX/XX/XXXX but no account was ever linked. Ca n't contact them any way, only their XXXX Bot on the website.
I am unable to pull my credit report from Equifax. In the past when this occurred, there were too many soft pulls, so the solution was to remove those so I could pull my report again. After a number of phone calls and emails, Equifax refuses to fix the issue.
American Coradius International LLC, calling from XXXX, calls daily claiming that they are attempting to collect a debt. I have no outstanding debts and this was verified by my credit report.
the company servicing my loans is Navient. They have refused to remove missed payments from my credit report when my loan was in forbearance. They reported a missed payment on each of the 8 student loans have which dropped my score 100 pts. I am an XXXX for the past 4 years in XXXX Florida and I cant even get a car loan because of this practice.
A Georgia State Tax Lien appears on my credit report however, the court document for the tax lien, provided by the XXXX XXXX XXXX XXXX for XXXX XXXX, GA, contains both inaccurate and incomplete information. Per the National Consumer Assistance Plan ( XXXX ), all state tax liens must include the following information in order to be reported by the credit bureaus : ( 1 ) Full Name ; ( 2 ) Address ; and ( 3 ) Full Social Security Number and / or Date of Birth. 

The Georgia XXXX court document associated with the lien reported by the credit bureau ( 1 ) contains an address at which I have never lived ; ( 2 ) contains only the last XXXX of a social security number, as opposed to the full social security number ; and ( 3 ) no date of birth is noted. A copy of the aforementioned document has been included in this CFPB filing, for review.
Dear CFPB and Prosper.com, I recently noticed ( Last month ) that I was late on my account, and I called Prosper.com immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XX/XX/XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from PROSPER, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -XXXX  XXXX
On  XXXX / XXXX /17 a payment was made through my bank account for my mortgage payment to Ditech Financial LLC to an accidental incorrect account number. (  XXXX  ) A month later I get a letter in the mail saying the payment was never made because I had accidentally typed the wrong account number in payment information. I called Ditech Financial immediately and made two months payments on  XXXX / XXXX /17 to make the account even and Ditech said they would do a research to find funds and apply it to the account. That has never happened. I have filed at least four disputes to get the money back and they keep saying they can not locate the money even though my bank has faxed Ditech the Federal Trace information numerous times to show with 100 % certainty the money was sent and they have the money. I had the bank three way call Ditech with me to verify that funds were sent and they never came back to my account because of a bounced back payment from Ditech. Since Ditech can not find the money in their system they keep denying the dispute. I understand I made a mistake with typing the wrong account number but Ditech Financial for sure received the payment in their account and refuse to make right of my overpayment for my mortgage.
I purchased my Family home from my Mother giving her a life estate, in XX/XX/2016 my Mother Died, the bank was notified with death certificate and at that time I presented the bank with my registered deed and my intentions to keep the house as its my primary residence. I ask BB & T what the payoff is, BB & T refused to talk to me. so I withheld payment and told BB & T I wanted to pay off mortgage BB & T still refused to acknowledge the interest I had in the property as a heir and owner. I called almost weekly for a time trying to find out information when foreclosure proceeding started my Attorney ask for payoff he was not able to get a correct answer from the Trustee ( XXXX, XXXX XXXX ) for over a year this continues, BB & T got the foreclosure so I appealed the decision which is where we are at now. Finally the bank recognizes I am owner and heir, ( Attached ) I do not think BB & T followed the Guidelines of the current regulations. 
if the bank had followed the guidelines the house would have never gone into foreclosure thank you for any assistance you can provide. 

Loan number : XXXX XXXX XXXX XXXX XXXX
I have a mortgage managed by Green Tree. I recently changed my monthly payment from {$1500.00} to a twice a month payment of {$1700.00}. The payment plan was set up by Green Tree for automatic withdrawals from my bank that the previous payments were made. I received a statement for XX/XX/XXXX indicating I had a late fee of {$32.00} for not making my {$1700.00} payment on XXXX XXXX. I had already made a payment of {$1700.00} on XXXX XXXX which is more than my monthly mortgage. I have a document from Green Tree with the payment due on XXXX XXXX, not XXXX XXXX. I believe this is a common practice with Green Tree because they vehemently denied they were at fault. I have formally contested the charge and not received a response other than it will take 30 days to review. Interesting! I pay more than twice the amount of the mortgage, yet they charge me a late fee. Crooks!
Contacted transunion several times about not updating my student loans from deferred to non deferred. They tell me to contact lender I have se real times the last 4 months and le der says and has shown proof of notifying the change. Transunion pretty much calls me A liar and hangs up on me everytime. Half the time you cant understand the people. Why is our government allowing a company outside the united states to monitor Americans credit history?
So without any warning, Chase Bank decided to shut down all of my accounts due to the number of accounts opened up in the last year, requests for additional credit and the amount of revolving credit. Even though I have paid all of balances off in full each month and I did so with Chase, XXXX, XXXX, XXXX, and XXXX XXXX and try to maintain a low debt utilization ratio, so that Chase knew that they could trust me with opening up one last business credit card account with them, they decided to approve me for that card in XXXX of XXXX and then shut down all of my accounts literally a month later. My credit score was still in the low 700s and now because Chase did this, my credit score fell so much and they know I deserve to have those accounts reinstated but they do not listen to the simple truth that I am doing my part as a consumer always making payments on time for them and they are without any evidence or proof closing my accounts down? Please explain to me why I should not be upset at this company for giving me false hope by approving me for a business XXXX preferred card in XXXX XXXX, my 6th account with chase, and yes I did apply for a number of chase cards in the same day to combine injuries. I did not know nor did the REP who approved me note that I am being risky, if I knew this would happen, I would have never even asked for any additional credit ( I just wanted to avoid their 5/24 rule by submitting new apps on the same day. I have paid off literally all of my balances and deserve to have my accounts reinstated because that is the right of a consumer who does n't even carry higher than 10 % utilization during my time with CHASE. Please open them back up again.
I FILEED FOR MORTAGE MODIFICATION WITH XXXX IN XX/XX/XXXX. XXXX CONTINOUSLY DENIED MODIFICATION BASED ON MY NAME. AT FIRST THEY SAID I WITHDRAW APPLICATION WHICH WAS NOT TRUE. AFTER ALMOST A YEAR THE MODIFICATION WAS APPROVED IN XX/XX/XXXX. XXXX SOLD THE MORTAGE TO ANOTHER COMPANY CALLED NATIONSTAR WHO IS NOW SAYING THE MORTAGE IS BEHINED XXXX AS PER INFORMATION FROM XXXX. XXXX IS SAYING BECAUSE THEY DECIDED TO APPROVE MODIFICATION FROM INTIAL DATE. NATIONSTAR IS NOW SAYING THAT THEY WO N'T ACCEPT MY MORTAGE PAYMENTS BECAUSE OF THE XXXX ACCOUNT IS NOT CURRENT. I REALLY NEED HELP I JUST AM GETTTING BACK TO WORK AFTER HAVING XXXX AND THIS IS STRESSING ME OUT BECAUSE NOBODY CAN SEEM TO HELP.
This company, SLS, bought our HELOC in XX/XX/XXXX. It took awhile to get everything to transfer over, but we finally had everything completed on XX/XX/XXXX when we deposited XXXX from back pay. Attached are 5 pages of transactions starting on XX/XX/XXXX and ending with XX/XX/XXXX. My balance increases daily, when the only transactions are DEPOSITS from my husbands employment. No one at the company seems to be able to answer any questions regarding what the wording on their forms mean, and when pressed for explanations, they say they will send an " inquiry '' to the accounting department. Then I am to call back in 7 to 10 days to find out the accounting dept 's response. I have done this once in the past, and when I called back 7 days later, there was no record that any request was even sent to accounting. And on pages 4 and 5, on XX/XX/XXXX and XX/XX/XXXX, there are so many transactions - reversals, single item receipts (? ), reversals, and Unapplied Funds Unidentified (? ). And all the time, my balance increases ( which means I pay more interest ) when it should be decreasing. Help me understand.
Hello! 

I have been a Chase Bank user since my parents let me get a debit card in High School. While I have had mostly amazing experiences with Chase Bank, today was really hard for me and it makes me think twice about Chase and the fraud protection they offer to their customers. Or, lack there of. 

On the morning of Thursday, XX/XX/XXXX, I went to go buy tickets for my favorite artist, XXXX who would be performing on Friday, XX/XX/XXXX at the XXXX in XXXX XXXX XXXX, Utah. When I went to the website to try to buy tickets, I noticed they were sold out. This scared me, because I knew I couldn't miss the show. So I proceeded to go on XXXX to see if there was anyone selling tickets. Having been scammed by a scam artist one other time, I was trying to be extra careful when looking for tickets. My boyfriend XXXX, and my friend XXXX both wanted to go as well, and trusted me to find the tickets. I came across a girl named XXXX who seemed to have a decent profile and I texted the number she included in her post. I will attach our texting conversation in this thread. I told her I was looking for 3 tickets for me and two of my friends. She told me she had 4, and could sell me 3, for {$45.00} each. I told her I recently was scammed and didn't want another experience like that, and she proceeded to send me the ticket confirmation email as proof. I believed her. I asked my boyfriend and my friend to XXXX me {$45.00} each, and they did. The girl wanted me to pay her via XXXX, which is something that Chase Quick Pay owns. I had her email, and her phone number, so I thought even if this was a scam, I would be okay, since Chase has all of their information. Right? Wrong. I paid the girl, and she told me she was sending me the tickets. Well, they never came. I never got them. I called the girl, call rejected. She blocked me. She deleted her XXXX, so I wouldn't find her. 

I called XXXX, sobbing. {$130.00} down the drain. How do people do this to others? Is this what they do with their lives? Does this make people happy? When I told them what happened, the lady over the phone said " There's nothing we can do. '' I'm sorry, what? You literally have a phone number AND and email attached to this person 's account, and you can't track them down and flag them? It was just a simple NO. How could Chase Quick Pay own XXXX and work with XXXX if they can't find a way to track down scammers? I am not putting up with this.
I purchased my home in XXXX from an investor who bought it out of a sheriff sale on the courthouse steps in the county I live in XXXX. 
The house was then valued at $ XXXX. Which was also my purchase price. 5 years later, ( XXXX of this year XXXX ) I received a foreclosure notice from Bank of America. ( I have never had a loan with BOA ) I explained to the Bank that I had purchased the home from a licensed Investor in good standing with the state of GA in XXXX and have a Warranty Deed. At the time of purchase, I looked the property up at the Courthouse and found no liens recorded against it. 

Bank of America had already ran a notice in the local paper and were to foreclose on XXXX XXXX. I filed a motion against them at the court and was granted a TRO ( Temporary Restraining Order ) which stopped the foreclosure. Bank of America in turn filed a motion to dismiss my complaint claiming they still had legal title because the original debtor 's Bankruptcy did n't include the second loan. There were a total of 4 loans made to their debtor. They claim the Bankruptcy discharged only the 3rd and 4th. But that The first loan was satisfied. Almost 10 years have passed since the Foreclosure Sale and I have owned the property for the last 4yrs and three months. I have n't been well since this all started back in XXXX of this year. I am a senior citizen with limited resources and can not afford to lose my home which is paid for. Bank of America had every opportunity to settle their issue with their debtor but did not. I am a victim of their negligence and pray for your intervention in this affair.
I 'm trying to pay off my student loan completely this year. Every chance I get I try to pay off a little more than monthly needed. I called in to pay with my credit card and they rejected me and said they passed a new law in  XXXX  stating we could n't pay with credit cards. No one made me aware, there were no notices sent out. Paying with a cc is convenient being that I pay off my credit card every month. Another thing is putting in your banking info  I or der to pay a loan should not be allowed it 's an invasion of privacy. I want to be able to pay whichever amount I want with any available options with that being credit, debit, or check. I am very unhappy.
I am contacting you all because on XXXX2017 I paid a debt and the original creditor XXXX XXXX XXXX turned the payment over to collections and fraudulently provided LCA ( Lanier Collection Agency and Services, INC ) with my banking account information to take the money from my account instead of applying it to my account balance. I have included the certified mail receipt and copy of the authorization mailed to XXXX XXXX XXXX After that I waited for the debit to come through it was n't until XXXX/2017 that the debit came through but it hit as a charge from LCA. At the time I did n't know who that was until the bank told me. I then filed a complaint with my bank of an unauthorized transaction by this LCA, as I have no business with them nor have I ever heard of them. I sent authorization to XXXX XXXX to collect a debt and they did n't get it so I thought. So the bank refunded my bank account when I advised them of this. They told me they were n't able to stop the payment so as a result they closed the card associated with the transaction and paid this company who stole from my account because XXXX XXXX gave them my banking information. So on XXXX XXXX  2017 I paid the original creditor via bill pay sent by my bank as a check to settle the debt and again XXXX XXXX sent the check to LCA. I found this out when I received the check mailed to the original creditor in an envelope from LCA stating it is not acceptable as you will see in the documentation I 'm uploading. Therefore LCA is reporting inaccurate information to the credit bureaus in an effort to harm my credibility. I paid this account to the original creditor upon being notified of the balance. They maliciously sent the payment to LCA not once but twice in an effort to discredit me. It is n't right. LCA has already stolen from me and now they have the audacity to report a paid debt to an original creditor ( XXXX XXXX XXXX ) as a collection when they know this creditor actually gave them money for a paid account. I have never and will never do business with a collection agency because I pay my bills when I am informed of them. Plain and simple I knew there was a bill and I paid it and LCA has clearly violated FCRA regulations by reporting to a third party a debt they know is paid in an effort to assist XXXX XXXX XXXX with this fraudulent claim of debt. I demand that LCA remove this fraudulent and illegal information from my credit report. The account has been paid to XXXX XXXX twice and here is the proof sent to me by LCA from the original creditor. I have never had any business with LCA and will not. I 'm not liable for how an original creditor handle payments and aside from this LCA is reporting inaccurate amounts. I owed and paid {$94.00} to XXXX XXXX not the {$95.00} they are reporting.
CMRE IS IN POSSESSION OF MY MEDICAL RECORDS. I HAVE NEVER GIVEN THEM AUTHORIZATION TO SHARE MY INFORMATION ON A DEBT THAT WAS PAID THROUGH INSURANCE ON A MEDICAL DEBT
We have a mortgage loan. We filed and were discharged from a bankruptcy case. Our payments were all made according to terms agreed upon by our current mortgage holder at the time. During the bankruptcy process our loan was transferred to another company SLS - Specialized Loan Servicing LLC - which is trying to charge us for pre-bankruptcy fees not included in claim filed. They are sending foreclosure notices and are not co-operating with us or the lawyer we have had to hire to protect our interests. We are filing a complaint with you as per our lawyers advise. Please help us - Thank You
I have applied for a new mortgage loan with US Bank. They asked me for several supporting documents including my tax returns and schedule XXXX for XXXX XXXX that I owned. I file my taxes using XXXX from XXXX ( XXXX and XXXX ). I provided them my tax returns for XX/XX/XXXX and XX/XX/XXXX along with the XXXX XXXX. The XXXX XXXX format generated by XXXX is different from the XXXX seen on the IRS website, even though all the information is same on both the formats. Also, the forms I provided clearly state Schedule XXXX on top and my tax returns have been accepted by the IRS and XXXX is an IRS approved Tax software. However, the bank is insisting that the XXXX XXXX provided by me are not the right format. I offered to redo the XXXX XXXX to the format required by the bank and the bank declined that option. The interesting thing is that all the XXXX XXXX 's I provided are having {$0.00} entries and do not impact my credit worthiness or assets or liablities. We have been going back and forth on this for more than XXXX weeks and there is no resolution. The issue is at a stalemate. I have provided all legal documents and information required by the bank and they are simply refusing to move forward based on the XXXX XXXX issue. I believe they are acting in an authoritarian manner and possibly discriminating against me and using the XXXX XXXX as an excuse. The Schedule XXXX 's I have provided are legally accepted forms by the IRS and yet the US Bank is refusing to accept the same. The loan XXXX I am dealing with is curt and not willing to listen to me.
I was at work and a lady called and said she was a tracker and I was going to be served papers at my job .I asked her what was it about she told me.she could not tell me I had to call the number she gave me.them when I called I asked the lady was this tracker person a police. She said yeah she just like the police.we hired her to serve you papers and find u.but I had a credit card with XXXX and they sold my account to a credit card agency.The lady from the collection agency told me if I did n't pay the debt she was going to have me served and possible legal Action.but once I gave her my bank card number she pretty much told me I had no choice to pay this and if I did n't it would be serve actions behind it.the funny thing about this is I called XXXX and I have XXXXdifferent cards with them and I was told if I want to pay them off I could call them and once I pay them off I could reopen the card.I also asked this women where she got my information she said they had to hire tracker. But if they sold my debt.u did n't have to find me.she then transferred me a man who then said if u do n't make the payments I do n't know what will happen after this.but if ur the one serving me you do know what will happen.now she is calling me from a private number so I ca n't call her back.I ca n't find the company website so I did n't leave the money in the bank.I have not even received a letter from the collection agency in the mail offering a settlement offer.
I had a JC Penney payment due on XX/XX/2017, the payment has to be made by XXXX on the due date. I had made the payment on their website through my checking account like I always do. I have a confirmation email that the payment was made XXXX. I received a {$25.00} late fee!! The payment was made in plenty of time to AVOID that. They can not put a late fee on because of a payment made on the due date in plenty of time. They should not be allowed to harass all of their customers with this type of late fee.