WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted the company on XX/XX/2018 regarding my funds did not come off of my card at the atm. Machine When I got home and pulled up my account it showed that the XXXX came off but nothing was given at the atm. So I filed a disputed each time I called the company they provided different information. First they said they tried to put the XXXX back on their than they told me to wait three business after the 10 days was over after that they stated to wait 45 days. 

XXXX, or utilize the web site, www.usbankfocus.com, for inquiries.
I have filed a complaint with M & T mortgage ( Complaint number : XXXX ) which I am awaiting response, but I would like to add important additional questions for response to that same complaint number : Why did M & T rewrite the Note/Promissory Note on our loan change, but appears to clearly kept the same original extended adjustable interest rate repayment part in the Note, etc., but did not keep the MATURITY DATE THE SAME ( caused a payment from 15 year payoff to a 30 year payoff ). Why not make other adjustment to adjust the monthly payment ( like lower the interest rate ). Why are the ( Loan Servicing form ) created for the Promissory Note change and loan change not signed by any employee from the bank ( i.e. XXXX XXXX, Vice President of XXXX XXXX XXXX , XXXX, as Servicer, whose address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. But their is no signature. XXXX and M & T mortgage should have all these copies.
For the past five ( 5 ) years I have disputed some erroneous information on my credit report from XXXX. I have never had any utilities in my name, and I have contacted XXXX numerous times to have the item removed. They have never provided any information that has verified this to be my account. Once I even inquired about paying it, just to have it removed from my credit file. I need to resolve this matter.
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX for months. The credit bureaus refused to reverse the late payments. 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. CFPB please step up and fix this ASAP
XXXX / XXXX / Now AFNI : I never received a Collection Notice from either of these Agencies.. I had disputed this issue with XXXX, XXXX Deleted from my report back in XX/XX/XXXX. Now recently AFNI reported this to XXXX and has it on my report, causing it to reduce my Credit Score. This is Not Mine, I am totally unaware of where this came from. I 've had XXXX as my Cell Phone provider since the XXXX 's, Never had issues with them. Always Paid my bill and keeping my account up to date. Why would XXXX keep me as a Customer, owing an outstanding debt for over two years?
The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the XXXX XXXX XXXX XXXX/XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.
I received a collection notice from CheckCare, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX. The correspondence and bill was sent to XXXX XXXX. This is my last name but incorrect first name. There is no one named XXXX XXXX in my family. The bill was for a returned check for a medical bill to XXXX in the amount of {$36.00} dated XX/XX/XXXX, Check number XXXX. I responded via certified mail to the letter and stated that there was no one by that name at this address and further that we had never been treated or incurred expenses by XXXX. The form stated we had 30 days to respond and to request documentation of the claim. I made this request but no data was ever provided. I received a second notice in XX/XX/XXXX and sent another certified letter informing them I was not the party responsible for this bill and to stop harassing me. I received my 3rd notice today. Please advise if you can provide assistance.
21st mortgage I was behind one payment, they call upwards of 5+ times a day, ( I have caller ID records to prove it ) emails sometimes more than once everyday. They send certified letters to any address they find on the internet. They send letters not certified constantly. They call phone numbers that are n't even mine, talking to other people about my loan. I have asked them repeatedly not to call, or send letters to any other address other than the one they have on file. I have asked repeatedly for a pay off figure not to include an escrow balance. I have asked for a complete payment history, they refuse to send one. What they have sent are XXXX completely different histories, and they say that " XXXX '' has his own set of books. They are charging a negative escrow from the previous owners of the house, even though the contract says that any negative escrow will become XXXX at the point of transfer. They paid someone elses taxes with my money, and charged me for it. I have spoken with their accounting department, and they ca n't even make heads or tails to the payment ledger. We are missing at least {$600.00} in escrow payments that were collected, and not deducted from the balance. Also, they sent " men '' to our house to collect the ONE late payment, even though the property is private, and posted. I have sent in writing that they are not allowed on the property, ( The land is n't included in the loan ) and they caused major property damage, I asked for their insurance information and they refuse to give it to us.
There are two XXXX accounts being incorrectly reported to Experian. The accounts were included in a Chapter XXXX Bankruptcy, but Experian is reporting late payments after the petition was filed. I have repeatedly disputed this item, but they continue to verify incorrect information.
XXXX Payment - Same address as the XXXX listed on complaint This item is being disputed is due to communication breakdown between Wells Fargo and XXXX XXXX. I spoke with XXXX from Wells Fargo on XX/XX/XXXX at XXXX XXXX ( His ID number is XXXX XXXX. I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XXXX XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. I also spoke with XXXX ( ID # XXXX ) on XX/XX/XXXX around XXXX XXXX. and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XXXX. I have always gotten the email communication. I have plenty of Cash in my Checking account, so lack of funds was not an issue. ( I can supply bank statements if deemed necessary ). XXXX also provided me with a phone number which they stated was used to let me know about the payment, but that number was no longer in service ( Since XX/XX/XXXX ). I changed the number on the Online system but according to them that never took place. I would like to have them remove the 30 day notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake.
I returned merchandise to the XXXX XXXX for a refund over 30 days ago. I still have not received a full refund and when you check the credit card statements, you can see where the credit was applied to the account and then taken back on the same day. There are about XXXX cherges that have not received a matching refund from XX/XX/XXXX to the present. I have reported this to Merchant Disputes but I still can not get any solid answers as to what is going on. I am trying to determine if the credits on my account are : 1 ) correctly reported from XXXX and 2 ) if the credits that were taken away from me were taken away by XXXX or my credit card comany as a re-billing for fraudulent reasons.
I have been contacted repeatedly by a collections agency trying to reach my ex-husband. I have told these people, politely and truthfully, that I am no longer married to my ex-husband and have not been for over twenty years, that he does not and never has resided at my current address, that he has never had my current phone number, and that I do not know his current address. I have asked them to stop calling. I keep getting calls, each time with a different XXXX or XXXX return number. I would like for them to stop. In the last call, the collector identified the XXXX. The numbers they have used are XXXX,XXXX, and XXXX.
During the month of XX/XX/2018 I have been working on my credit. One card reposted that I spent XXXX XXXX on my credit card and my credit report plummeted down by 20 pts then on XXXX  I have a decrease in my personal loan you guys have me set at a decrease 30 pts I dont how you are operating as I am trying to go up your are brining me down I think that way to low to bring some one down too can you please review the system and adjust my report accordingly
In 2012, I was covered by health insurance plan with XXXX and do not owe any outstanding balance for this account. Please provide me with information pertaining to this account that proves that the bill was not settled.
Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( Transunion XXXX XXXX and XXXX XXXX. 

On XXXX XXXX, XXXX I called Transunion to have verbiage remarks removed from XXXX and hours latter my XXXX XXXX dropped XXXX points. I called Transunion back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. Transunion said that this could be due to human error. Transunion stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that XXXX and XXXX remove the same verbiage from my closed account with XXXX and 4 days later my XXXX score dropped XXXX points. I am assuming XXXX is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.
XX/XX/XXXX - Collection agency ( Parson Bishop Services ) contacted me regarding a false charge of {$240.00} with XXXX XXXX. I explained that bid was accepted, but soon after 2 weeks I realized I did not want to take part of this organization and thus forfeited any communication with organization. I never attended any meetings, events, or pledge ceremony held by XXXX XXXX. I asked collection agency for proof that I signed anything and they have yet to respond. They threatened to report it the credit bureaus and insisted that my credit would be damaged for 7 years. 
XX/XX/XXXX - I received another call from XXXX XXXX XXXX XXXXregarding attempt to collect debt and another threat was made saying that they will be reporting me to credit bureau by XXXX XXXX if debt is not paid. On this date I sent a letter of dispute via email to email provided by collection agent requesting for signed paperwork stating that I am indeed responsible for this debt. Collection agency has yet to reply and provide proper verification. At least 3 more calls have been placed after XX/XX/XXXX. 
I have also contacted said organization and they insist I am responsible although I was not involved with them in any manner.
The billing due date is the XXXX XXXX of every month. I opened this credit card XX/XX/2017. Timely payment is made each month via my auto bill pay service the 2nd business day of each month. The minimum payment due is {$78.00} per month and the payment submitted is {$500.00}. This company has charged me a late fee of {$38.00} per month even though payments are consistently received the first week of every month. This billing cycle system is a scam to charge customers invalid late fees. 
Upon several emails via their secure on-line messaging service on the website, I was able to recover 1 late fee, with an offer to adjust my billing due date to the XXXX of each month. Which, I accepted and was then charged yet another late fee. 
This company is profiting off of unsuspecting customers by fraudulent billing practices.
On discovery of a collection on my credit file, I wrote to Portfolio Recovery Associates to inquire about the validity of the debt. 

After several cycles of correspondence, I learned from research that an alternative way to having the inaccurate item removed from my credit file is to offer to settle the debt by paying a portion of the total they claim that I owe. Attached is a copy of the settlement proposal sent by certified mail on XX/XX//18. I  received an irrelevant response ( also attached ). 

According to the FDCPA, I am entitled to have my correspondence and attempts to address any debt issues reviewed and then receive a response. The response provided by Portfolio Recovery Associates is inappropriate, as it does not acknowledge my settlement proposal and attempts to collect money that I do not owe to them. I question that my letter was even reviewed.
I lost my job for several months while I was XXXX. While I ended up finding a job, by the time I found it, I was showing and was offered a much lower salary. I had a car loan with USAA for a XXXX For XXXX that fell behind. I kept in constant communication with them and was told re-possession starts at 90 days. I got paid and was going to pay my loan at 86 days, but when I returned home from work, they had re-possessed my car, 4 days earlier than they said they would. They now want {$550.00} in re-possession fees, and they towed my car into another state, so now I will have to take unpaid time off work, or leave it stored for another 5 days until the weekend again. They refuse to let me speak with a manager or to release my car upon paying my debt in full with the exception of the re-po fees which I do n't feel I am responsible for since they told me I was okay to make a payment before 90 days and it would not go to the re-po department
Called my ex-husband 's number who I am estranged from about my debt. I have a restraining order and they are jeopardizing my life. Jared Galleria/Sterling
I have been paying my student loans but noticed during the last two months my principal/interest ratio has increased ( the interest applied has doubled compared to what was applied to interest during the prior two months ). Therefore the amount going to principal has decreased significantly. See below XXXX/XXXX/2017 Payment {$630.00} Principal- {$180.00}, Interest - {$440.00} XXXX/XXXX/2017 Payment {$640.00} Principal- {$230.00}, Interest - {$400.00} XXXX/XXXX/2017 Payment {$960.00} Principal -- {$730.00} Interest - {$220.00} XXXX/XXXX/2017 Payment {$620.00} Principal -- {$500.00} Interest - {$120.00} XXXX/XXXX/2017 Payment {$340.00} Principal -- {$230.00} Interest - {$100.00} Also, my Bar Study loan ( private loan ) has been in an " administrative forbearance '' for three months now but no one at Navient seems to know why it is there. I have continued to make payments during the forbearance but I have been told since the loan is in forbearance status, there will be an accumulation of interest that will be applied to the loan once the forbearance has ended, even though I have continued to make monthly payments during the forbearance. This does not seem right to me.
When I received my credit report. I was blown away when I say late payments on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me.
i purchased a vehicle from XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Identification # XXXX, when i purchased this vehicle one of the things that was promised to me is that this will not reflect on my credit report since at the time the company did not report to the credit bureau, since i was working with a co to repair my credit, it was important to me that this did not show in my credit report. my payment amount was {$370.00} and i always made a payment of {$400.00}, on XX/XX/XXXX of XXXX my wife was involved in a card accident and the vehicle deem a total loss XXXX claim # XXXX XXXX XXXX XXXX was and still my current insurance co, the adjuster for this claim was XXXX XXXX XXXX, at the time of the accident my account was current, therefore any contractual payment 's after the accident should had not been listed as delinquent, XXXX XXXX  was notify and they where listed as lien holder. XXXX started reporting to the credit Bureau on XX/XX/XXXX of XXXX, reporting my account over 120 days delinquent and reporting me Retroactive, the wrong amount was listed, show me delinquent, and they reporting me retroactive, my loan was purchased 15 month 's prior to then beginning reporting to the credit b.
On XX/XX/XXXX I logged onto XXXX XXXX to check my credit report when I noticed a debt in collections for {$700.00} that said it was open in XX/XX/XXXX from Midwest Recovery Systems. I contacted the company in which they told me to just pay the debt, but I never took out any payday loans. I will be calling back to Midwest Recovery Systems to retrieve paper to verify that this is not my debt owed.
Bureau of medical economics, XXXX AZ XXXX ; has put a debt belonging to my oldest son, XXXX years old now 2 times in my Credit Report, first in XXXX XXXX and the 2nd time on or about XXXX XXXX, both times I call them and explain them was n't my debt and they knew was n't mine when they ask me for my social security number but they told me both times I had to make my Son paid them the debt so they can take it out of my Credit Report, both times I left feeling like am a hostage during this process, had to hire an attorney to dispute both times and last time I was or in the process to apply for a loan to buy a property in XXXX , AZ , when I call the Bank they told me I will still qualify but my interest rate will be higher because of the derogatory information on my Credit Report, In XXXX my Lawyer send a letter to this Company to pay me {$2000.00} in damages and they never respond or pay, I believe taking somebody hostage to make somebody else to pay a debt is a CRIME! I have recordings were they say do n't care and they wo n't take the false information out of my Credit Report unless my Son paid them.
Transition is reporting a balance due to XXXX of {$4200.00} while no balance is due. I spoke with XXXX on XXXX/XXXX/16 and was told that they have reported to all credit agencies that no balance is due and recommended I file a complaint against Transunion as it is their error. Both XXXX are reporting no balance due.
On XXXX I tried to access my free credit report from Trans-Union. I filled out the form and answered the questions they posed to verify my identity. They said they could not verify it - XXXX of my answers must have been deemed incorrect by them. I was kicked out not knowing what went wrong - only that I could not be verified. The information on the site was very confusing and when I thought I had clicked on the button to continue to fix my response it completely kicked me out saying that I had to wait a year before I could ask for a report. What can I do?????
The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX.
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.
In XXXX XXXX Santander Consumer Usa purchased a car loan from XXXX for me on a XXXX XXXX. I made every payment on this vehicle to them until my car was refinanced by XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and receiving the tiltle to this vehicle on XXXX XXXX XXXX In XXXX XXXX this company Santander Usa starting reporting derogatory payment history to the bureau and i know longer had the car it took me to XXXX to get this corrected but it has impacted my credit report a great deal by reporting it as A charge off account paid for a less amount. My loan with them was for XXXX and at the time it was purchased from XXXX the pay off for the vehicle was XXXX and it was paid and title was received. what is hindering me is this account is labled as a charge off and it was never a charge off. I have attached all the documents for this loan including the title that was given on XXXX/XXXX/XXXX
On XX/XX/2017 I sent a letter to Consumer Collection Management asking for this company to verify the debt that is said I owe from XXXX. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted the credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Consumer Collection Management failed to comply.
I was told by the mortgage company Freedom Mortgage that they can do my loan. Made everything clear from the beginning and have email documentation proving it. They then proceeded to tell me they ca n't do the loan for the same reason they told me they could. I did not hide anything from them.