WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018, I checked my credit using the XXXX XXXX App. I noticed that my score with Transunion had plunged more than 50 points,  while the other bureaus did not. After looking into why, I discovered that Transunion was reporting that I was more than 30 days late on a loan payment from XX/XX/2018. I have never been late in payments with the creditor they were reporting the payment was late on. I contacted the creditor and was told they do not show any late payments on my account, and that they do not even report to Transunion, but to XXXX when a payment is late. I then opened a dispute with Transunion to investigate and contact the creditor. After two weeks the investigation was complete and the damage to my score was reversed after finding the payment was not late. The next month, XX/XX/2018, once again my credit has dropped more than 50 points and is showing the same incorrect late payment as last month. I also have a co-borrow on this loan and this problem is also damaging their credit. I have contacted the creditor to give them information regarding the repeated hit to my credit. Once again I was told I do not have any late payments showing, but to dispute it once again through Transunion to remedy the problem. I am concerned how Transunion can report incorrect information from a creditor that does not report directly to them. If my credit reports are side by side from all bureaus, Transunion is the one that reports my payment history incorrectly. They are also showing the creditor 's name incorrectly. The creditor was bought out 11 years ago. The creditor information does not even match-the XXXX XXXX , telephone number, etc.How can this bureau constantly report incorrect information that they are not even privy to?
The Fair Credit Billing Act 15 U.S.CXXXX NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) andOhio administrative Code XXXX XXXX Program ) XXXX Program sub section XXXX FAQ XXXX and XXXX, Consumer Credit Statutes, and subtitle D XXXX SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( 1 ) BREACH OF SECURITY. Here is the list of account s belowThe bills was covered under progressive insurance of XXXX drivers of which I was a victim being the passenger XXXX drivers insurance and the hospital assistance charity program covered my bills the billing department XXXX and XXXX are members of the Ohio XXXX Association of which i am filing complaints against them because the bills was misdirected and appropriate to me because incompetent individuals who did not follow through on their duties of making sure that all of those who are rendering services was contacted with all information which caused my credit profiles XXXX to be harmed which is unlawful under HIPPA securities policies and procedures acts as indicated above the Ohio Department XXXX is be notified of this Gross Negligence and defamation of character against me due to incompetent individuals not performing their duties and discharging their office duties as promised at date of hiring. This account should have never made it to the collection agency but it did they have this account listed twice with zero balance and then the amountsXX/XX/XXXX XXXX and then ARS Account Resolution XXXX XX/XX/XXXX XXXXAlso they collection agency has XXXX offices listed with XXXX different credit bureaus XXXX which is illegal under the fair debt collection act you can not deceive an credit reporting agencies to make the alleged debt owed to be larger than what is owed XXXX debt but with XXXX difference agencies is fraudulent and deceptive to the consumer and is very harmful and because they are not here in Ohio this is malicious against my character which is defamation of character.
I was scammed by a predatory HECM loan executed by Wells Fargo on XX/XX/2010. I do not feel comfortable attaching the good faith documents or any other documents relating to the fraudulent predatory loan. I do not trust this agency or any other based on your complete favoritism shown toward Wells Fargo. Also, you say that you 've tried to contact me several times? How difficult is it to call XXXX and either speak to me or leave a message? Or even better, how about e-mail XXXXXXXXXXXX. Your investigation was completely one sided. Same as the job you 're doing with the latest of the Wells Fargo criminal scams. XXXX accounts robbed!! Great job guys
In XX/XX/XXXX, I attended XXXX University after my mother signed up for my Student Loans. We learned of XXXX University through T.V ads that targeted low income XXXX and minority communities with false information about degree plans and rates of success with jobs. 

At this time in XX/XX/XXXX, I still remain in debt due to Student Loans provided to XXXX University, along with debt on my Student Account at XXXX University.
I was denied the Extended Payment option benefit on my Platinum American Express Card. See page XXXX of the PDF where the option to pay over time is listed and pages XXXX-XXXX where the benefit is described. There is no mention of only select accounts are eligible and this feature is a factor in my decision to keep this product. This appears to be a misrepresentation of implied benefits.
I filed a Dispute on XX/XX/18 with XXXX for inaccurate information showing on my credit report ( dispute report # XXXX ) from West Lake Financial for a Auto loan on a XXXX XXXX XXXX. 

West Lake place a delinquency on my credit report but confirmed in the dispute report ( see attached ) to XXXX  that the account was always in good standing from inception to close but for some reason I don't know why XXXX will not remove the Delinquency from my report. 

I called West Lake and got a copy of my statement ( see attached ) showing account being paid off and not EVER being late. 

This is so unfair and not rewarding to someone like myself who prioritize bills and make sure they are NEVER late.
original debt XXXX XXXX credit. 
over 7 years passed, XXXX XXXX charged off debt. 
portfolio recovery is still reporting to credit agencies way past the time allowed.
On XX/XX/2018, Wells Fargo allowed a thief to cash my {$14000.00} NJ State XXXX XXXX check. 

On XX/XX/2018, having learned that the money was stolen, I simultaneously sent an affidavit of forged signature to the State of NJ Treasury Department, and to Wells Fargo President XXXX XXXX, requesting that my funds be restored. 

On XX/XX/2018, having walked into a Wells Fargo branch, I spoke on the phone with a Wells Fargo Resolution Team. Their " resolution '' was that I could not report the crime to them, and they would have to wait for the State of NJ to forward my affidavit to them by regular mail. 

On XX/XX/2018, I received a letter from XXXX XXXX, a Wells Fargo corporate officer, telling me that a resolution would be sent to me within ten days. She also said I would be in contact with XXXX, the Wells Fargo associate handling my complaint. 

On XX/XX/2018, I spoke with XXXX from Wells Fargo. He refused to give me any information about my case and its status. 

On XX/XX/2018, a resolution letter was sent from XXXX XXXX of Wells Fargo. Her resolution is that she and her company will not tell me anything about this case. Wells Fargo ( as earlier ) designated me as a third party, to whom they will give no information about the restoration of the funds they lost. She directed me to make all contact with the maker of the check ( i.e. the state of NJ ). Please note : I have been in contact with the NJ Treasury Department multiple times. They have told me they rely solely on Wells Fargo 's investigation for a resolution. 

On XX/XX/2018, I spoke with a representative of the NJ Treasury Department, who called Wells Fargo. They told her the money would be restored in 60 to 90 days from XX/XX/2018, when they opened the investigation. 

On XX/XX/2018, at XXXX XXXX, I spoke with XXXX from the Claims Department of Wells Fargo. She said that the money would be restored in 60 to 90 days from when Wells Fargo first opened their investigation, on XX/XX/2018. 

On XX/XX/XXXX, I again spoke with XXXX, giving him the information for the local police detective handling my case. 

On XX/XX/XXXX, I again spoke with XXXX. He refused to acknowledge providing information to the police. 

On XX/XX/2018, I again spoke with the NJ Treasury Department, who again called Wells Fargo. Wells Fargo again reaffirmed that they would restore the money they lost in 60 to 90 days from XX/XX/2018. 

On XX/XX/2018, Wells Fargo sent a letter again refusing to offer any information about the case. This letter claimed they had already resolved my issue, citing a previous letter ( XX/XX/XXXX ) that had also refused to do anything. 

On XX/XX/2018, I again spoke with XXXX, the Wells Fargo associate handling my case. He again refused to offer any information. 

Wells Fargo promised on three occasions that the {$14000.00} they lost would be restored within 60 to 90 days after their investigation began on XX/XX/XXXX. However, the money is still outstanding.
I am a XXXX XXXX XXXX XXXX and set up a Paypal account through my XXXX website, and successfully linked it to my XXXX bank account in early XX/XX/2018. 

A donation for {$540.00} was processed through my website by Paypal on XX/XX/2018. Paypal 's policy states that they may hold funds for " up to 21 days '', but when I checked with Paypal after 21 days, they said the funds were still on hold and they could not give me a release date. Note that I am not a product or service provider, so there is no legitimate reason I can see why they would withhold funds donated to me. 

It has now been 31 days, and Paypal has still not released my donation, which is creating an issue for my XXXX. When I asked why the funds are being held, Paypal 's tech support chat line said they did not know. 

For all this trouble, Paypal is charging a " processing fee '' of {$15.00}! 

In researching this issue online, it seems that Paypal has done this to other consumers as well, particularly through the XXXX website.
I originally had a debt with XXXX cable for {$1000.00}. The debt was sent to XXXX XXXX XXXX ( XXXX ). The account was settled with XXXX for {$510.00} on XXXX ( approval code XXXX ), in order to close the account. Within a month or two another credit collection company ( AFNI INC ) was trying to collect for XXXX {$510.00} ( which would have been the remaining balance to XXXX, had I not provided a lump sum to XXXX to settle the debt ). 

XX/XX/XXXX -I called AFNI around XX/XX/XXXX to let them know that this debt had already been settled with XXXX  . They told me that they were hired by XXXX and that I had to contact XXXX to fix it. I then called XXXX who told me they did not have the settlement in full letter from XXXX. I called XXXX back, and they said they absolutely sent that info to XXXX and they would send it again. 

XXXX XXXX- I called XXXX and XXXX again to resolve this matter. Assured by XXXX it would be handled, nothing changed XX/XX/XXXX-Again called XXXX to ensure XXXX was sent proper info to realize debt was settled. Given file # XXXX XX/XX/XXXX- Called XXXX again to straighten this out, given reference # XXXX XX/XX/XXXX-called XXXX again. Transferred 3 times, on the phone over an hour and the final person pretended to be from another cable company!! 

XX/XX/XXXX- disputed AFNI XX/XX/XXXX-disputed AFNI I provided what was a large sum of money for me, to settle this debt and improve my credit almost 2 and a half years ago. Instead of improving my credit, I received another negative account to further affect my credit negatively. I have tried to resolve this matter and been unsuccessful. XXXX was always helpful and I feel reported honestly. XXXX has been rude and incompetent, and AFNI negligent. They were provided with proof of my settlement in full receipt from XXXX and still attempt to collect on me, negatively affecting my credit score for years and thus costing me extra money in the current loans I have.
On XX/XX/18 I applied for a new mortgage to refinance my home with Quicken loans. They charged me {$500.00} as an application fee. 

On XX/XX/18 Quicken arranged for an appraiser, XXXX XXXX to appraise my home. 

That appraiser, supplied a report to Quicken that was full of flaws resulting in an appraised value of at least {$300000.00} lower than the fair market value of my home. 

I complained to Quicken and they refuse to refund the money I paid them. They say a third party arranged the appraisal and they paid {$610.00} and there is no money to refund.

Either Quicken or me will be out the {$500.00}. It shouldn't be me. It's not my fault their appraiser didn't measure the square footage correctly or consider recent sales comparables that would have resulted in an appraisal of over {>= $1,000,000} instead of {$870000.00} as supplied by XXXX XXXX. 

Now, as of a half hour ago, Quicken has obviously sold my information to another mortgage broker, XXXX XXXX, XXXX XXXX  XXXX ( XXXX ) XXXX. He called telling me that he got my name as someone that applied for a loan at XXXX and it didn't work out. Asking if he could work with me on a loan. 

I have heard from XXXX XXXX, Lead Resolution Advocate at Quicken Loans several times, stating they're sorry I'm not happy with the appraised value and they won't refund my {$500.00} fee. She can be reached at XXXX QuickenLoans.com
my daughter was ill 120 days behind on my payments - had the full amount to pay on the card for XXXX XXXX 2016 went to pay the full bill was put on hold. rep came back and said if i did not pay XXXX more that i would just incur fees after the payment was made. stated that was all i had - gave her my credit card numbers to pay the bill was put on hold again - she stated that she was trying to help me and she would be right back. came back and said that she wishes to charge my account off - i said no and further explained that i thought i had protection on the card the bill is due for XX/XX/XXXX and im paying it on XX/XX/XXXX so if your stating its an extra XXXX im paying until XX/XX/XXXX and then resuming my payments as my balance will be around XXXX remaining on hold again -she stated that its to late i charged off now. and that i need to pay XXXX dollars for the next XXXX months - i asked why and was told that that is my payoff - i said what did i spend on the card she said XXXX dollars which is impossible when i recieved the card it had a balance i had to pay - i had almost a XXXX XXXX dollar chargefrom the company. she said i was responsible for XXXX percent of the full bill. i never even recived a statement from this company - i said if your charging me off put it in writing i was told no and that this was a one time deal and if i did not do it now that it would not stand. i disconnected the call what company refuses to take your payments after agreeing to tells you whats in your best interests and then bullies you into an agreement to ruin your credit on purpose - i was paying and was allowed and then straight out told you are forced to charge off
There has been a judgment on my credit report from XXXX XXXX that I 've always assumed was mine since I originally had a XXXX XXXX Card. I 'm in the process of buying a house and pulled my credit report and there was another collection from XXXX XXXX. I called the collection company and verified that was actually my account and paid it. I then called the company in charge of the judgment and found out that the social security number does not match my name. I contacted XXXX XXXX who admitted that the account was fraudulent and that they will have it removed but it 's still on my credit report. I 've always indicated that I 've only had XXXX XXXX XXXX account so I would like them to clear this up and take this off my credit report.
I have Power of Attorney for owner of the property in XXXX XXXX, FL. As the XXXX representing the owner, I listed his property on XXXX in XX/XX/XXXX. Since that time I have tried to negotiate with Green Tree the payoff amount, at XXXX by phone and later by fax beginning XXXX XXXX. They promised to review the amount and respond to me within XXXX business days. I did not receive any reply. I continued to phone, fax, and mail them without any response. I received a XXXX letter XX/XX/XXXX and a XXXX letter XXXX XXXX again saying the same thing : " We are going to response .... '' The main thing about that is I have a buyer ready to close this purchase on XXXX XXXX. It is not right that the owner suffered these additional expenses due to Green Tree delays in response to my faxes, letters, and phone calls. My client is XXXX and XXXX. My client does n't have any condition to defend himself.
I have been calling and trying to setup payments I can afford since last XX/XX/XXXX. I recently had XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX and my deductible was XXXX each time, I have it setup on payments for the hospital bills and then I still have the payments of XXXX etc. When I called the first time I explained there was no way I could make XXXX payments and he said I could do a medical defer, he would send paperwork, 2 days later I still had n't received so I called back and this person said I was n't eligible for it to go fill out another setup of paper work, for the income driven. We talked for almost an hour and she took mine and my husband 's info, I did that never heard back, XX/XX/XXXX, I still had n't heard anything and my payments were passed due. I called again and she said she did n't know why they were processed and some of my loans did n't qualify and it was my understanding that this was for mine and my husbands because we both had a reference number etc, but she said no he would have to go do all the paperwork I had done and I told her the other person said he did n't. So, for me she said I need to consolidate some loans, then wait and considate others by paper, etc. I told her I have not idea what to do and I get different responses from everyone I talk to and she said do you read the emails we send and I told her I try to, but I wo n't get anything for weeks, then I will get like 10 emails in one day and they all say something different so I am at a lost. I ca n't pay XXXX a month and no matter how many papers I fill out its like I need to fill out something else or something is not right or something do n't qualify. I can never get the same answer from two different people and can never talk to the same person. 

I am doing everything I can so my loans do not go in default, because if they do I lose my job, but If I ca n't get any one answer when I call and there is always something else to do I do n't know how long I can continue.
XXXX credit reporting agency did not remove 2 inquiries on my credit report. They were to be removed on XX/XX/18. The 2 inquiries are for XXXX XXXX XXXX XXXX. The initial inquiry was 2 years ago. I just checked the report that is current as of today XX/XX/2018
I want to report my ID stolen. I was looking to buy a car this weekend and I pulled my credit report and found addresses and bills that do not belong to me. 
someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX , I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Carrington Mortgage took over my mortgage in XXXX 2013 and since then my mortgage has been recorded as being late. This was due to a problem with the transfer of the loan between XXXX bank and Carrington. Carrington placed the loan on some type of forbearance program, which I paid timely, as requested. After doing this for a few months and additionally paying MORE than the required amount to get 'caught up ', Carrington Mortgage placed my mortgage on ANOTHER program a loan modification program. Which was paid as agreed. I am also receiving certified notices from Carrington advising that my house is possibly going to be foreclosed on and that I should contact them to make payments. WHICH I DONT UNDERSTAND. To date, my mortgage is showing past due of over $ XXXX and when I contact Carrington mortgage to request an explanation, the explanation is unclear as to why the mortgage is STILL showing behind. I do not want to lose my house by accidentally signing the wrong documents and/or not properly signing required documents.
Lending club sends me XXXX offers a week to my home. I do not want a loan from them. They refuse to stop mailing me offers
I obtained a " XXXX Card '' credit card from Target stores. I believe the card is owned by XXXX. I 've been trying for over a week to pay my balance of {$84.00} but they wo n't allow me to pay in cash or credit card. And are now attempting to collect late fees on the money they refute to accept. I moved and am changing banks and been asked repeatedly for my routing number. I do n't have a number for them until I have a permanent address. I 've bee told, after hours on the phone, three times to visit Target 's customer service and pay my bill with cash or credit card. I was even given a reference number to use. They have told me, by phone, I owed {$86.00}, then {$130.00}, then {$84.00}, then {$110.00}. Yesterday I was at target 's customer service on the phone with XXXX for 2.5 hours. They will not accept my payment and are in the process of charging me late fees, even though they are the ones not accepting payments even of cash.
I received a copy of my credit report and TransUnion is reporting 2 accounts with XXXX XXXX XXXX & XXXX XXXX XXXX as being in Bankruptcy and that not correct. Please any help you could give me would be appreciated. Those two were not in BK.
On XX/XX/XXXX at XXXX, I called the Phoenix Financial Services collections agency to get further information about an account listed on my credit report.The original creditor is XXXX XXXX XXXX Hospital and I do not recall the encounter with them. The representative at the collections agency told me that the bill is from XX/XX/XXXX. She said that I had been seen as a patient at XXXX XXXX XXXX Hospital and was diagnosed with XXXX. I explained to her that I would need a copy of the original signed documents because I did not recall being seen at this hospital at this time, nor do I recall having ever been diagnosed with XXXX. She told me that she would send me what she needs to legally send me since I was making this request. I told, specifically, that I am specifically requesting a copy of the signed original agreement between myself and the hospital, so that I could indeed confirm that I signed as a patient on the date in question. The representative told me that her office had no such document. I concluded the call at that time. This call was recorded.
Every time try to check my score on experian freeannaulcredit report.com and things like that they ask me to confirm bogus questions like who I have a loan with I never had a loan in my life like these crazy bank names they ask me about I had checking accounts with XXXX banks in my entire life and that 's XXXX Bank XXXX bank and my current bank I 'm with is XXXX that is it what all these bogus questions?