WillisBack/dataset-financial-user-claim huggingface dataset:
I have always had an excellent relationship with XXXX and since Navient contacted me about my XXXX Loans in XX/XX/XXXX my health has deteriorated and I landed in the hospital and placed on XXXX XXXX due to their stressful approach and threats to myself and cosigners. I am on a Navient payment plan, and my payment date was scheduled after the credit reporting date of the company, and my student loans were reported as sixty days late in XX/XX/XXXX. Prior to this I called several times and spoke with customer service agents on a recorded line, who assured me on dates and my scheduled payments to remain current. I specifically asked " what date you recommend according to Navient 's reporting date, that I should pay ''. I have always been in contact with them in regards to remaining current. I further contacted management to investigate and confirm it and they said they don't know why my payments were scheduled after their credit reporting date, and there is nothing they can do. Now my credit report shows that I was 60 days late impacting my ability to receive credit, having lower interest payments and my standard of living has diminished. This information has been reported to my XXXX report. Is it the goal of Navient to scare, threaten or place students into a destitute situation? I have always strived to be a good citizen and pay my debts.
I had some detrimental items on my credit that were incorrect. These dropped my credit score significantly. 

I submitted complaints here and the items were removed. Before these items hit my credit score ( XXXX and XXXX ), it was up to XXXX. Now that all of these items have been removed my credit score is going back up slowly. The issue is that if incorrect items hit my credit report and drop me nearly XXXX points, removing those items because they were INCORRECT and did not belong there should restore my credit BACK TO WHERE IT WAS BEFORE THE ITEMS LOWERED IT. 
What I am seeing is that I am starting back from where the incorrect items brought me down to which was XXXX. This is completely XXXX backwards. This is literally holding me back from purchasing a home. I am ready to sue the doors off of everyone I can to simply get a high XXXX credit score for XXXX sake. This is ridiculous and causing XXXX for me. 

My score should be around XXXX and moving up, not XXXX and moving up. 

From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX ) From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX )
Chase Bank XXXX XXXX XXXX XXXX, XXXX Ca, XXXX phone XXXX XXXX XXXX. 
On XXXX XXXX and XXXX XXXX and XXXX XXXX they have deducted XXXX Cent per month with explanation of " Federal interest withheld ''. Contacted said bank on XXXX XXXX XXXX they sent me a form to fill out XXXX returned said document on XXXX XXXX XXXX in addressed envelope to their XXXX XXXX TX office the form was completed. Was in touch with bank and was told it was the IRS that withheld the money Contacted IRS and was told that they would not deduct that small amount and they would not deduct from a checking account I have bank statements to back this up
I 've contacted company on several occassions and verified the account is n't mine. They are still reporting it to the credit bureau agencies reports.
My husband and I pay bi-monthly payments on our home mortgage. Our loan was transferred to US bank sometime last year. US banks has been applying our payments to the principal amount on the loan and sending us states saying they we are delinquent and charges fees. I called US bank in XXXX and the representative tracked all the payments coming in and saw that we were paying bi-monthly and paying before the due dates ( which should give us a credit ). The representative reversed all fees and sent us a current statement. She did acknowledge that their system was not able to distinguish a partial payment vs. a full so it defaults all payments to the principal balance. I asked if we were in danger of loosing mortgage because we wanted to continue paying bi-monthly as it works best with our family 's budget. She said it should not be a problem and that she would note the account so we would not have the issue going forward. We did have this issue again and I called in to have them make the correction and I was given feedback that their system does not recognize partial payments. I don't understand this because their system still accepts all payments. She said that was their policy but I have NO documentation supporting this ( see statement ) I told them of what happened in the past and reminded them of what the past representative had informed me. I spoke with 3 different people and they all wanted to inform me about policy instead of actually making the correction. I informed one rep point blank that " I the consumer was showing and error in US Banks processing of our payments ''. We had payed half of our XXXX payment on XXXX and they are saying we have not paid XXXX at all. I asked them to make the correction and I was just given a lecture about how to pay my own payment. The feedback that I was getting from US Bank was that they were going to keep charging late fees and keep reporting erroneously to the credit bureaus even though they know that we almost a whole month ahead on our mortgage payments. Please see supporting documents. What ever you can do to help would be appreciated.
XX/XX/2016 we paid {$20000.00} in escrow account. I received a refund check for {$6600.00}. Our insurance is {$1300.00} per that year and our taxes were around {$3200.00} that year. This left as balance for XX/XX/2016 for over {$9000.00} that no one can account for. I want this investigated I have the proof of papers showing everything I talked about.
We had no hot water in the kitchen to properly clean our dishes. This went on for 1 1/2 months. And we had no heat in our apartment which caused us to live in our bedroom with XXXX portable heaters that we purchased. Per Kentucky tenant Code KRS 383.545, landlords are required to supply these to all tenants which they did not. So we initiated our right per KY law 383.625 to terminate our lease. We paid XX/XX/2015 and moved out XXXX XXXX, 2015. We only had 1 month left on our lease which was XX/XX/2015. Our rent was {$1000.00}. We lawfully terminated our lease and they 're trying to collect a debt we do not owe.
I filed a complaint and got nothing but double talk to confirm my feelings I called the XXXX XXXX XXXX and yes the resentative said the response made no sense ... they said I would start receiving monthly in XXXX I have not ... they did not answer my question in regards to why they are not reporting to the credit brue ... now they are making suggestion that I short sale my home I am 1 and a half months behind and am confident I will be able to catch up and the fact is I have substantial equity and do not qualify for a short sale.
My van was towed XXXX times first time was XXXX/XXXX/XXXX by XXXX 's tow a charge of XXXX however i was parked in violation of XXXX rule. My ignorance was no excuse therefore i never complained or appeal the tow. However my vehicle was towed again on XXXX/XXXX/XXXX by XXXX tow again in the amount of XXXX and again on XXXX/XXXX/XXXX in the amount of XXXX however these XXXX tows was done illegally so i appeal to the XXXX XXXX court and was given a court date XXXX/XXXX/XXXX and the court deem the tow and any other fees be refunded. I called and disputed the charges with Discover on that day XXXX/XXXX/XXXX and a temp credit was awarded. Since then i have had nothing but a bad experience with the credit card company. It appears to me Discover is more concerned with keeping a merchant relationship as appose to taken care of the card holder. Its now early XXXX and i have a lot of corrospondence with Discover going back and forth and not giving my credit back to my acct or following a court order which is public record XXXX.
I am filing this complaint because Equifax has ignored my request to provide me with documents showing proper validation for negative items reporting on my credit report. Instead they sent a letter stating that certain items were verified with the original creditors, but where is the PROOF??? I am aware of my rights under the FCRA and Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you ca n't just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you ca n't send me proof of these accounts from YOUR COMPANY, it must come off. Please make sure that Equifax abides by the law and provide documentation or delete immediately. 

Account Name : XXXX XXXX 'S. Account Number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX. Account Number : XXXX Account Name : XXXX XXXX. Account XXXX : XXXX
I have been harassed by a company named XXXX XXXX XXXX. XXXX. They're calling about a debt with HSBC ( acc # XXXX ) that dates back to XX/XX/XXXX. They're calling my family, my employer and I average about 30 calls a day from them. EVEN THOUGH I told them on XX/XX/XXXX to " cease and desist ''. I called them AGAIN today and asked them if they knew about the FDCPA? THEY HAD NO CLUE. They also claim they have another account in their office for XXXX XXXX? ( account # XXXX ) from XX/XX/XXXX. I asked them on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX to STOP CALLING and they still call! I've asked if they keep notes or they record their calls? THEY hung up on me! PLEASEEEEEEEEEEEE HELP!
1. Ally is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX  Bankruptcy was Discharged on XX/XX/2016.

2. Ally is reporting to both XXXX and XXXX  that the account Condition as Derogatory. This is not correct. Ally was paid-in-full {$28000.00} and the account condition is PAID.

3. Ally is reporting to both XXXX   and XXXX the account Status as in a Payment Plan. This is not correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XXXX Bankruptcy. Ally must only report the current condition of the account.
someone opened an account with Bb & t it was not me I have proff of the address I was living at I was living in XXXX and the account was used in XXXX Someone stole my identity and put checks into the account I would like to take care of this
Upon review of my XXXX Credit report I noticed company name : Optimum Outcomes has reported a collection account under my name. I do not have any binding agreement with Optimum Outcomes and was not aware or notified of this item being reported under a collection status. This account is showing in a closed status with a balance of XXXX in a paid status. Please explain why this company is reporting this account as collection. 
Please attach copies of : Please have company provide the following : Complete payment history, the requirement of which has been established Agreement that bears the signature of the alleged debtor Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name to the XXXX incorrectly.
Bayview loan servicing sent numerous letters explaining in there flyer options for a fresh start.Deceptive if you do a short sale you will be responsible for the difference which you will have to pay tax on. Second option for a fresh start Deed-In-Lieu or Foreclosure. Please read accompanying flyer. Looks like same as short sale. Spoke with XXXX at Bayview who understood the reason for my mother 's desicion for deed in lieu or Foreclosure and sent out nessacery paper work Personal Financial Statement, Assets and Liabilities, Income and Expenses, as you can see there is no way she can afford a 3 month trial period @ {$1000.00} a month. She sent back all required documentation.The next time I spoke to XXXX she said they did not receive the information and would send a federal express pre paid envelope if they did not recieve it by XXXX/XXXX/2016, .The only thing sent was XXXX certified letter and XXXX in the mail box with the same forms for a modification.My mother received it on XXXX/XXXX/2016. Bayview is either confused our incompetent either way I think my XXXX year old mother with stage XXXX XXXX is being taken advantage of. The only thing short is the protection of seniors.. What a joke when I am told that it 's up to them because they might loose money. Hello they never loose money and if they do then that 's the way it goes when you are supposed to be experts in home buying and selling. This is why tax payers have to bail out all the banks and business 's! Will email copies of documents sent by Bayview and filled out and sent to them
ON XX/XX/2018 I submitted a complaint to CFPB in regards to incorrect reporting of my student loans by all of the 3 credit reporting agencies. XXXX responded to the CFPB, investigated and made a number of corrections, deletions etc to my credit report. It is not 100 % accurate but it is closer to the truth.

Experian and XXXX sent the standard " we will investigate and get back to you responses '' That was almost 120 days ago. They did not add any additional information to the CFPB complaint nor did they investigate or they would have found that the same thing that XXXX did.
On XX/XX/XXXX, I went to XXXX XXXX in XXXX, North Carolina to trade in my XXXX XXXX XXXX for a XXXX XXXX. The trade-in/deal was successful with no issues and the payoff check for {$26000.00} was sent to Nissan Motors Acceptance Corporation ( NMAC ) on XX/XX/XXXX. The check was cleared on XX/XX/XXXX and it was processed by NMAC on XX/XX/XXXX. Upon processing, my auto loan with NMAC was closed as it was paid in full and was reported to all three credit bureaus with the same status. On XX/XX/XXXX, I received a notification on the XXXX XXXX app on my XXXX and saw that the loan had reopened this month and I lost 40 points towards my XXXX score, 8 on my XXXX  and 10 on my XXXX score. It was also reported that I have three late payments when I never had a late payment during my time with NMAC ( I purchased the Nissan brand-new in XX/XX/XXXX from XXXX XXXX in XXXX, NC ). I spoke to three different representatives from NMAC over the phone and each time the rep could n't explain why my auto loan account reopened and promised to call me back with any updates but never received a callback. On XX/XX/XXXX, I went to XXXX XXXX & spoke to the payoff clerk who handles the payoff checks and she confirmed with me that not only that the payoff check cleared with XXXX 's bank but the XXXX has since been sold and when the payoff check was cleared on Nissan 's end, NMAC sent XXXX XXXX the title of the car.
My son was adding me to an existing savings account as Chase Bank. To add me to the account they wanted additional personal information. Specifically, If I was employed or retired and the range of my annual income. These are questions I expect for a request to extend credit, but not for a deposit account. It was explained that this was part of the Bank Secrecy Act and an attempt to conform with Know your customer. This felt intrusive to me and I 'm not sure if this is overreaching from what is required. If it 's not over reaching, I feel that this is may be an unfortunate step to far. Especially in light of potential for data breaches that are constantly coming to light. Chase agents were polite and helpful.
XXXX XXXX, 2016 Re : Property address XXXX XXXX XXXX XXXX NY. XXXX I would like to file a complaint against CHASE servicer. I have been trying to get help from CHASE SERVICER for my underwater loan. I have complied with all requested documents. Servicer CHASE has issued XXXX modifications ( see attachments ) where they have failed to honored the guidelines of the HAMP-PRA. According to the HAMP-PRA guidelines, SERVICERS MUST evaluate borrowers for mortgage reduction for any mortgage loan that is being considered for HAMP with a current mark-to market LTV ratio greater XXXX %. The property fair market value is {$540000.00} ( see attachment ) CHASE servicer did not act in good faith to reduce the principal amount {$840000.00} Also CHASE SERVICER failed to calculate mortgage payments into a 30 to 40 year period as per the HAMP guidelines. I would have a balloon payment in 20 years from now at the maturity date of my loan of {$530000.00}. I can not afford that payment.
I have an account with CoinBase through which I own one bitcoin. I purchased the bitcoin several years ago for {$370.00}. I have kept the bitcoin in my vault ever since. 

I 've been trying for several months now to move my bitcoin from my vault to my wallet so I might be able to sell it. To move bitcoin from your vault to your wallet you must verify the transfer from two separate email addresses. The transfer verification is n't working for my second email address. I have emailed the support team about this several times - on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. 

I have received one response that was essentially useless and the Company appears to have done nothing to resolve my issue so that I might liquidate my bitcoin. If I were able to sell my bitcoin today ( XX/XX/XXXX ) I would sell XXXX of it.
I have submitted several applications for a modifications and have not received any written correspondence as to the status of the application. I have had the  XXXX  sale date postponed on several occasions and on  XXXX / XXXX / 17 , the property was foreclosed on. This company , Fay Servicing h as send any explanation as to why the application was not reviewed. This property was deeded to me in divorce and I am not on the loan, but I submitted all financials and the divorce decree.
I'm requesting that the following accounts be blocked from my credit report, ( 1 ) XXXX XXXX XXXX, {$120.00}, XX/XX/XXXX, I was not in XXXX Hospital on XX/XX/XXXX, so this account can not be mines. And in accordance with the FCRA law physical documentation need to be presented to the consumer and if not the account shall be removed. Also I have absolutely no contract with the above. Account # 2, XXXX {$910.00}, XX/XX/XXXX, this account is not mines either, and nor did I ever have a contract with this company, Account # 3, XXXX XXXX XXXX {$1000.00}. And account 3,4 and 5, XXXX XXXX XXXX, {$56.00}, {$52.00}, {$52.00}, XX/XX/XXXX, XX/XX/XXXX, I do not have a contract with any of the above.
Two of 3 credit bureau report that I owe {$1600.00} to XXXX for phones in which I have attached as proof with a store receipt from XXXX. Collection agency XXXX XXXX keep harassing me. 

Note : I have communicated with the 3 Credit Bureau asking to remove from my record. XXXX XXXX responded that the charges are correct and therefore will not be removed.
Since XX/XX/XXXX I have been assigned XXXX ( XXXX ) " Dedicated Loan Specialists '' from Nationstar Mortgage , LLC to assist me through my Loan Modification process. My most recent specialists, XXXX XXXX XXXX states on his voicemail states that his name and contact number were erroneously added to thousands of Nationstar Mortgage correspondences by a computer mistake ; He then gives you the general number that contacts an automated response. I found out yesterday ( XX/XX/XXXX ) speaking to a Nationstar Customer Service representative that I do not have nor did I ever have a Dedicated Loan Specialist assigned to my account ; furthermore, he stated that my history had no one assigned to my account. ( This must be why I have not been able to reach any of these people! )
Due to my choices on what happened is not on your list choices. I have to submit this in my own words. First I sent a creditors validation letter to AFNI, Inc and never responded back to me accordingly to the FDCPA Law. Which requires them to respond back in thirty days. So, they should be removed from. My credit report as of this month is month. I had my personal consumer investigator contact them about the removal of the collection and he also found out they are not registered by the State of Texas. That is a violation and they don't have the right to collect debt in the State of Texas.
Midland Credit Management purchased my account from XXXX XXXX XXXX. This account with XXXX financial services began in XXXX and was charged off in XXXX. Midland Credit management/Midland Funding tried to collect this debt from me and could n't so they sent it to a lawfirm by the name of XXXX ( XXXX, MO ) in XXXX of XXXX. They are currently trying to garnish my wages for additional fees and the amount of interest charges and unpaid balance which is not accurate. I 've tried many times to get them to send me signed paperwork that I owe them ( midland credit management, or midland funding ) any money and they have constantly refused. It is illegal for them to continue trying to collect debt on anything over 7 years old and also. They are unable to prove that I own MCM or Midland funding any money as I have not signed any paperwork with them or purchased any goods or services from them.
I sent a money transfer through PayPal. The recipent did not receive the money so I disputed the charges. PayPay did not decide in my favor claiming that the transfer was completed.
I keep getting on again off again calls from Rent Recovery. Rent recovery was discharged in my bankruptcy XX/XX/XXXX. I get calls telling me to pay my bill and that I need to learn how to pay bills from irate people from rent recovery. I was told if I keep being harassed I can sue this company for 10 times the amount they say I owe once bankruptcy has been discharged if I keep getting calls or they try to open up new collections on my credit report. Rent recovery opened a new collections on my credit report XX/XX/XXXX. and this has prevented me from getting a home or apartment. I am recovering from a XXXX and can not be XXXX at any level and this company is a XXXX threat to me. I have sent letter to company asking them to remove themselves from my credit reports and no reply by.