WillisBack/dataset-financial-user-claim huggingface dataset:
Experian continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of   XXXX   but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.
My wife and I submitted a request to XXXX and Experian over two months ago, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not.
Trying to get a mortgage, but because of the way it's being reported I keep getting refused. My house is sold so I need to get a mortgage or I'll be out in the street, without a home. I'm a XXXX person and my husband was a XXXX vet. ( he's passed away ). It needs to be reported as an installment loan.
On XXXX XXXX XXXX I froze a joint home equity line so no additional withdrawals could be processed. XXXX XXXX XXXX a {$60000.00} advance was processed, I notified bank within 24 hours of the advance that error had occured. I provided the signed document of the freeze, made several calls, sent emails. I was told they were " diligently '' working to resolve problem and would notify me. I requested emails, did not receive, I asked for corporate office to contact me, not done. It is clear BB & T made a {$60000.00} mistake and has not provided appropriate customer service. I want the {$60000.00} removed from the home equity line. BB & T needs to not hold me responsible for their mistake, investigation into how they failed to freeze the account ( again I have provided them with THEIR form that I signed at THEIR bank ) is not my issue, I am not concerned with BB & T 'S personnel or computer errors or why it occured. BB & T made an error, that has not been corrected nor provided me with appropriate customer service since informing them of the error.
This is the second time I have complained about Navient charging me late fee when my payments are on time and even early. I have tried paying the late fees to end this bur they turn around and charge me more late fees. This appears to be their way of padding their income from borrowers. I even called to get what I owed to include " late fees '' and sent that amount, and I just got another letter from them claiming I have not paid my " late fees '' I have no idea how to put an end to this since paying the fee only gets me a new late charge. I never received a response from Navient on my first complaint so dealing with them is pointless.
On XX/XX/XXXX, I received notice from my credit monitoring service that my credit score had dropped. When I opened my account, there was a notice that XXXX by Goldman Sachs had changed previous payment history on my credit report from current to 60 days late from XX/XX/XXXX to XX/XX/XXXX. I have never been late with this account and have proof that I have never been late that I will attach to this dispute. I have always been on in automatic draft program with this company to ensure that my payments are never late. I received a three month deferment from XX/XX/XXXX through XX/XX/XXXX due to being offered a deferment by XXXX Goldman Sachs due to being out of work and in a FEMA declared state after Hurricane Irma. I was advised that my credit report would not be impacted as I was under a deferment and extending my loan 's maturity date ( see attached ). My credit reporting never changed during that time frame, and now all of a sudden they have changed it. All payments before and after deferment were made on time. I called XXXX by Goldman Sachs and spoke with a XXXX XXXX. XXXX said that it seems that there has been some type of error and it would take up to 2 days for them to resolve. His explanation was very vague and I explained to him that while I am awaiting their investigation my credit reputation is being impacted because of their erroneous reporting. XXXX could not provide any other assistance and told me that he was not sure of whether the information could be corrected quickly. I advised him that just as quick as they made the error they needed to fix/resolve as I am ill considering the damage that this is doing to my perfect credit score. He said that someone would reach out to me by telephone within 1 to 2 business days but I am not confident that this company will handle as quick as necessary and that is why I submitting this dispute. I am outraged that this company with do something like this to a timely paying consumer and I will never do business with them again.
I received XXXX threatening letters from Debt Recovery Solutions, LLS, with a contact name of XXXX XXXX. Both letters claim they purchased my debt from XXXX, a place in which I have NEVER had a credit card or any type of debt. In both letters, they prompt me to pay immediately, etc., at the bottom there is a spot in which you can enter your credit card number for payment, and you also have the option to pay online. This is an extremely unfair and bullying type of practice. Plus this debt is not even mine. If they are going to send out letter such as these, is it legal to send this type of letter without including legitimate proof of the debt?
On or about XX/XX/2018, I made an application online with Chase Bank for card member services business credit card. After time, i called and Chase said that they could not receive my documents or that way I'm sending documents ( faxed ), it looked like it could not be verified by myself. So, I went to the downtown XXXX XXXX Connecticut branch office on XX/XX/2018, then, they sent over documents on my behalf to cardmember services department. I have been getting run around saying that it's denied but, they only said they the way their receiving documents and someone else using my name, which I didn't know about.
Its Ally Financial Ally Financial XXXX. XXXX XXXX XXXX, MN XXXX. I asked them not to call on Saturday, sundays or holidays. I emailed them this request. They continue to contact me at all times of day, at work on my cell phone. They never sent written notice to me. The system calls automatically, when i answer no one is on the phone nor is the name on the caller ID. When i call back, they ask for personal info before identifying them selves. When i ask where they are calling from, they usually say the XXXX. I recieved XXXX calls today on XXXX. Told the rep it is a federal holiday and not to call as i had previously notifeid them. He replied who cares its not his holiday and he has a job to do. I also informed he was calling my cell phone. He said he does n't care. I informed him he should realize holidays are inconvient times as are weekends and evenings. He stated again he has a job to do. I read him the Fair Collection Act guidelines. I asked to speak with an XXXX speaking rep in the XXXX, he said those offices are closed. Be became abusive stating he would come and have someone take my car today if i did n't pay. Im only 10 days late. XXXX XXXX, 2016. Another rep called 4 times after i told her to stop. i asked to move a payment to the end of a loan due to physical issues. She said OK if i paid a {$490.00} fee to do so
my complaint is against BBT the bank I have a checking account ending on # XXXX, they are taken money without my authorization or permission to pay BBT Visa and unsecured line of credit, I notified them, I 'm extremely ill and I need to declare bankruptcy I notified them by XXXX XXXXmail and letters still they wait for my social security to come throught to take the money out, when I was not ill I used to make payments on a monthly badsis at the bank, now that I 'm deckaring bankruptcy they are taken the money to pay the XXXX VISA and unsecured Line of credit, I need my social security to live on
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since XXXX and Transunion were unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Rent Recovery is  attempting to collect a debt that I never established a contract with this company. Obtaining documentation or bills as third party or debt collection agency is not legal documentation or a contract that holds me accountable to owe you anything. Furthermore they are in complete violation of the FCRA law by placing this negative item on to my credit reports.
My XXXX XXXX XXXX credit card account was closed in XXXX. I continued to make payments until XXXX, and ultimately the account was charged off in XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX XXXX is still reporting the account as open through XXXX with XXXX and XXXX ( TransUnion is reporting closed status as of XXXX ). In addition, XXXX XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called XXXX XXXX XXXX multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.
I sent a complaint back in XX/XX/2016 ( complaint number XXXX ) to One Main Financial and after the complaint they changed the account and begin sending letters and the last one sent threatened to sue me if I do n't pay. After the first complaint of them calling me at work and getting me in trouble and switching my account and now threatened to sue me. They have and are in complete violation of the Fair Credit Act.
JP morgan chase closed my account without telling me anything and i reported fruad on my card and i dont understand why i am being punished for somthing i reported
I need my mortgage modified. I have tried effortlessly to provide Rushmore Loan Services with the documents that were requested only to continue to be told that a complete package was not submitted. I would ask them what documents they needed and I faxed them accordingly. Whenever I would call to follow-up with my Account Manager, XXXX XXXX, it would take her XXXX days for her to return my phone calls. This has been my entire experience with her. On XXXX XXXX, 2015 I received a letter from a Foreclosure Attorney indicating that my home was scheduled to be sold on XXXX XXXX, 2015. I was so confused, because I was under the assumption that all of the documents that I faxed had been received only to find out once again that the same document that they requested previously was not received and this caused my loan modification case to be closed and they had moved forward with a sale date. I explain to XXXX XXXX that the last letter that I received from her indicated that I had XXXX days from the date of the letter to submit the document and that 's when she told me that I needed to have the information in XXXX days prior to the sale date. I feel that this decision was very harsh considering the time and the continued effort that I put in to make sure that I stayed in compliance and following all of the instructions that were given to me to be considered for a loan modification.
Lending club call my family members discussing my debt which I think was wrong. My family member gave them my number, but the calls to my family members continues.
Portfolio Recovery keeps changing their caller ID number and calls me every single day. I have asked them well over a dozen times now to quit calling me but they do it twice a day anyway
In XXXX I entered a mortgage agreement which was later purchased by Wells Fargo. I lost my job in XXXX and tried to get Wells Fargo to allow me to refinance under prevailing low interest rates and government subsidies beginning in late XXXX. In XXXX I entered a special forbearance agreement with ASC, but after I fully complied with the agreement the mortgage modification was denied because my Unemployment benefits were exhausted. In XXXX I participated in the Independent Foreclosure Review and received a payment of {$2000.00} when the review was abruptly cancelled. Eventually XXXX of the loans was allegedly charged off, but I was compelled to continue negotiations until XXXX when I finally entered a compulsory foreclosure review board and was able to get a mortgage modification. The problem is that the full amount of the modification was more than {$30000.00} greater than the total original XXXX loan, even after the {$35000.00} loan was " charged off ''. Wells Fargo has been nothing but obstructive in all my efforts to repay my debt, and I believe they have received credit from the Federal Government for a loan they allegedly " charged off '', but actually incorporated into late fees, interest, and missed payments while they stalled and stonewalled between XXXX and XXXX!
XXXX pulled my credit report on XX/XX/2018 after a phone call to ask about letter I received from them then next day inquiry on my XXXX report called next day to them they said I did the pull of my credit I gave no authorization for this I want this removed and I am also canceling my card cause me nothing but stress with this matter I need them to take care of this and I wont deal with XXXX ever again
My mortgage provider, United Wholesale Mortgage, is withholding way too much from me in my escrow account. I 've called and written complaints to them and they 've ignored me each time and/or given me the runaround. Over the telephone they 've said they will fix the issue and I call back and get the runaround each time. Meanwhile, I 'm forced to pay money into an escrow account that has FAR more money than necessary to pay the required expenses. My next step is to file a class action complaint for RESPA violations -- their customers ' escrow account payments should be an easy math equation and these guys apparently ca n't get it right!
On XX/XX/XXXX the state of XXXX filed a tax lien against me. This lien has been reflecting on my XXXX and Transunion credit reports for the past several years. 

I am an XXXX, between XX/XX/XXXX and XX/XX/XXXX I was XXXX in XXXX. During that time I had moved to XXXX different residences due to work. I did not receive notice of delinquent taxes during my XXXX in that state. Nor did I receive notification of delinquent taxes after moving to XXXX on XXXX in XX/XX/XXXX. 

At this point I do not have tax documentation from XX/XX/XXXX through XX/XX/XXXX and will gladly pay the debt to satisfy the issue as it is unnecessarily damaging my credit. 

I never received proper notification of the debt, and am writing to kindly request the tax lien be withdrawn, and I be allowed the opportunity to pay the debt. In addition I ask that XXXX, and Transunion remove that negative information from my credit report. 

I have contacted the XXXX State Department of Assessments & Taxation in an attempt to remedy the issue however was not successful. 

Tax lien information : Case/Docket # XXXX Court : Circuit Court for XXXX County Court Address : XXXX Thank you in advance for any support you can provide.
I have become extremely behind on my mortgage due to loss of employment. I was finally able to regain employment ( although still making a considerable amount less than what the mortgage was originally based upon ) and have applied for a loan modification which they have denied and are pushing to foreclosure. They stated that I did not have enough income but would not provide me with any actual numbers supporting the denial. I received a promotion at one of the 2 jobs that I hold which boosted the income. I sent in the documentation to support that new income yet they have not reviewed to see if that will allow for a modification. I call and if I am able to speak to anyone, I am just told that " there are no updates ''. Meanwhile, I am left with the assumption that my family will end up on the street.
NAVIENT/XXXX MUST BE DISCHARGED BY XXXX, THE LOAN IS AGED AND THE RATE IS TOO HIGH. I WENT BACK TO COLLEGE FOR HEALTH CARE SERVICES AND NOW MUST BE CANCELLED.
XXXX XXXX XXXX is reporting 30 day late payments, XX/XX/XXXX, XXXX & XX/XX/XXXX in the amount of XXXX to certain bureaus and paid on time to others. Which two those payments were made on time, and returned although funds were in my account. 

My XXXX payment i was unable to make payment because i could not access their online payment center, and after calling numerous times and not getting any answers to my issues, i was finally told weeks later by a supervisor that that had " recently switch something with their online service and my account had not been switched over ''. Thus resulting in a 30day late payment.
On XX/XX/XXXX I was provided a modification from Ditech with arrears deferred and first payment of {$460.00} was due on XX/XX/XXXX. Ditech did not uphold their agreement of the modification and placed my account in foreclosures before payment was even due. My house was about to sell so I had to filed bankruptcy with Attorney XXXX XXXX on XX/XX/XXXX only to save my home. Ditech said I owed insurance fees back dated from XX/XX/XXXXand the Bankruptcy trustee said that they had to dismiss my case due to I will not be able to afford it. My attorney advised me to come into the office so that we could get the bankruptcy straightened out. In between me getting to his office I had an medical emergency that caused me to be hospitalized for about 10 days and My car also was repossessed due to the mishandling and misleading information. A escrow account ending in XXXX is on my account that I never received any information about or payments that was due to me. The last analysis was did on XX/XX/XXXX. A total amount of XXXX was paid out of the account to insurance on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. After looking through my payment history I see several large amounts being distributed to insurance over the years of my account starting XX/XX/XXXX. 
I filed a claim to have house fixed but claim was denied by XXXX XXXX insurance company provided by Ditech replacement insurance. They also have had my divorce decree on file since XX/XX/XXXXto update my name on file but have not did so as of yet.
I receive calls from this company almost every day, day and night to the point of harassment. The calls are on both my work and mobile number and have I repeatedly asked not to be called. I was told they will harass my family members until the debt is paid. I was called " XXXX face '' and " XXXX '' by two of their agents. Told a XXXX year old should be embarrassed about having a debt like this. I really do n't know what the debt is and have asked for information in writing which has not been forthcoming. Some of the people who have called are ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and there are others who do not give names.
I have been repeatedly called by D2 Mgmt. regarding a debt that they say I owe to XXXXXXXX XXXX on an account they say was opened on XX/XX/2006. D2 states that I owe {$1600.00}. I have told them each time they call me that I do not owe them or XXXX XXXX anything, that I am on permanent XXXX and that I will not pay them a XXXX on a debt that I do not owe. D2 representatives have bullied me, threatened me, stated they will sue me, and refuse to cease and desist calling my telephone. I have checked my credit reports with 3 different credit bureaus at least once a year since 2006 and there has never been an account with XXXX XXXX   shown as in collection or delinquent on any of them. Frankly, I am tired of this company 's threats. Today, I finally told their representative that if they believe they can sue me for a debt that I do not owe, they should do so and stop calling me. The D2 rep did her best to scare and intimidate me and has repeatedly lied to try to get me to pay a debt that I am not responsible for paying. I want it to stop!
Back in XX/XX/XXXX Seterus Inc. sent me a modification offer which I accepted. The modification consisted of three monthly payments in the amount of {$410.00} each for a trial Period Plan, which I make all of them : -XX/XX/XXXX {$410.00} Confirmation # XXXX XXXX XXXX {$410.00} Confirmation # XXXX -XX/XX/XXXX {$410.00} Confirmation # XXXX After this Trail Period which I successfully paid, Seterus Inc. allow me to continue with regular payments which I make payments each month till the hurricane Maria Destroyed XXXX XXXX : XXXX XXXX {$410.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX XXXX XXXX {$420.00} Confirmation # XXXX After the Disaster Seterus Inc offered me a Disaster Relief Forbearance which I accepted by that time personnel who I talked on the phone told me that after the forbearance I was going to be able to continue with my regular payments. 

Since XX/XX/XXXX I have been calling to start paying my mortgage again but Seterus Inc pretty much are trying to force me to do a foreclosure which I dont want, I just want to continue making my regular payments or make a modification that I was promised at the beginning. 

Also I have been told by phone that the modification from XX/XX/XXXX I was offered wasnt approved, if thats the case why you allow me to pay the Trial payments and then a consecutive 6 months of regular payments. If wasnt approved where that money go.

There are many things here that do not make sense, I hope with this information you can help me to clarify any doubts and help me to keep My HOME! 

There's a trend of predatory Behavior with this Company Seterus Inc. this is not just happening to me only I've been reading thousands of similar cases.
On numerous occasions, beginning on XX/XX/2017, FBCS , Inc. ( located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) and their client XXXX XXXX XXXX XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO XXXX ) contacted me regarding their collection of XXXX account XXXX debt of {$10000.00}. A phone representative of FBCS Inc. has been calling my home phone repeatedly, as well. When my wife answered and asked for debt validation to be mailed to us, the phone representative informed my wife that FBCS weren't legally required to send anything to us, informed my wife that she was stupid to request it and that my wife " knew nothing. '' I responded to all correspondence from FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX detailing that I never authorized this alleged credit card charge to XXXX, the merchant or anyone else. I detailed to both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX that I consider this XXXX credit card charge to be fraudulent, that I am currently disputing the amount, and that I have active investigations with various governmental entities regarding this alleged debt. Both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX, after their first letter dated XX/XX/2017, violated both my State and Federal rights by placing derogatory marks on my credit reports with all credit reporting agencies ( XXXX, XXXX and XXXX ) without first investigating my dispute, responding to my requests for debt validation. I am filing this complaint against both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX as my rights have been violated. Please, help.
I have had a Chase Freedom card since 2007. My interest rate at the start was XXXX My credit was bad, I was lucky to get a card at all. Since them they have raised my credit limit three times, from {$4000.00} to {$13000.00}. I have made every payment on time as proved by my credit reports from all the reporting agencies. My last payment to them was {$9000.00} which left me a balance of {$760.00}. My credit score is XXXX. When I asked them to lower my rate. They said no. I pointed out my payment history, they said I had the lowest rate available at that time. On credit card sites, the highest rate listed for this card is 23.27 % I and paying XXXX points ABOVE that. Usury springs to mind.