WillisBack/dataset-financial-user-claim huggingface dataset:
RMC is reporting a fraudulent bill that does not belong to me to XXXX. The item is a bill that is reporting from RMC and reads " Paid and Close ''. This is not mine. I never paid it. I had reported the same issue with XXXX about RMC and explained to the hospital that my insurance cards were stolen and the bill does not belong to me and they said RMC and the credit bureau is responsible for reporting this not them. Please remove fraudulent item from credit report.
I have a HAMP mortgage with Freedom Mortgage, I am to understand that with five years of payments in good standing I am eligible for a {$5000.00} payment towards my mortgage. I have written to freedom mortgage and called numerous times, numerous times. They take the information down and say they are going to get back in touch with me but never do. The last call the finally state they received my receipt of my letter it is under research. Please assist me in receiving the credit - that as I understand it is rightly due to me. 
MY contact number is : XXXX ( c ) XXXX. 
The company is Freedom Mortgage My loan # : XXXX Thank you for your assistance. 
XXXX
I paid this account in full in XX/XX/2017 through XXXX XXXX ( collection agency handling the account ), but the account still shows in a derogatory status on my Experian report. I filed a dispute with Experian and the account is still not updated. All other credit bureaus are updated correctly.
I received a card and letter in the mail XX/XX/XXXX stating I was pre-approved for a Credit Card with Capitol One, I automatically shredded the document and checked my XXXX XXXX to see there was a hard inquiry for an application with them on XX/XX/XXXX. I 've never applied for this card or company - I am also dealing with Identity Theft with another card/loan company as well. 

Also had issues in the past with this. What should I do? 

XXXX XXXX Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
A transaction in the amount of {$58.00} to XXXX XXXX goes thru every XX/XX/XXXX or XX/XX/XXXX month. First time I noticed back in XX/XX/XXXX or XX/XX/2018. I called my bank and let them knew the transactions were not authorized by me. Not only I wanted to dispute the transactions but I also wishes to stop these going forward. I never heard back from my bank afterward and I assumed it was taken care of. 
Recently I saw the transaction again, I called telephone banking, after being transferred to 4 different customer service rep, I was told that the transactions were not stopped because the previous case was denied due to out of 30 days time limit that I had to report any unauthorized transactions and the bank is unable to make stop payment just using the name and the amount. They need more information. Unless I change my account number, these transactions will continue to go thru and they are unable to do anything about it. Rep name XXXX.
XXXX XXXX XXXX is falsely reporting a high balance on my credit report. I had a vehicle with them opened in XXXX of 2015 for approximately $ 12K. I voluntarily surrendered this vehicle and the remaining balance is $ XXXX after the sale of the vehicle. My XXXX credit report shows the accurate $ XXXX tradekime but tally also added another $ XXXX tradeline onto my XXXX  credit report. It goes without saying that this is negatively impacting my credit score. This trade shows a term of one month, no payment history, and also that it was charged off. I have tried to contact rally motor credit to update my credit report removing this negative information to no avail. Please help.
Navient is the absolute WORST company on planet earth. Not only are they incompetent and rude, but every time I call they just transfer me from one customer service rep or bounce me from department to department until I just give up. They acquired my loan from XXXX XXXX back in the beginning of this year. I had my account set up for automatic ACH payments with XXXX XXXX. Once Navient took over, they told me that my last payment I made to XXXX did not apply to them since they were a different company and that I was late on my loan and in collections. I explained that I paid XXXX and they told me too bad, I can go chase it down with XXXX but they would do nothing. I had to pay twice. Thereafter, they increased my payments from what I was paying with XXXX and refused to provide me with any information regarding income driven repayment. I have called countless times and they put me on hold and no one ever comes back. I have set up an online payment account with them and can not log in. When I try to log in it tells me my email address is not registered, I enter loan number and they tell me I have to call customer service. Then once again I hit a wall because no one helps me. Meanwhile, they are just destroying my credit while making it impossible for me to even make a payment when I try. This company is just awful!
I retrieved my annual Exquifax Credit Report on-line dated XXXX XXXX, 2016. Then I received another credit report in the mail dated XXXX XXXX, 2016. I reviewed the credit report and realized that XXXX Mortgage account was reported as " XXXX, XXXX, XXXX & XXXX with XXXX Days Past Due ''. I filed an on-line dispute that I have never been late on a XXXX Mortgage payment. I received the investigation results, dated XXXX XXXX, 2016. The report had the same delinquency. I called Equifax and requested another investigation, dispute # XXXX. I received an investigation results, dated XXXX XXXX, 2016, still had no correction. ( Both disputes investigation result reports are attached ).
I've been a customer of Coinbase.com for about 1 year. On XX/XX/XXXX our bank sent them a wire transfer of {$200000.00} USD. IMAD # : XXXX XXXX On XX/XX/XXXX Coinbase sent us an email which read " You recently sent a wire to fund your Coinbase or XXXX   account for {$200000.00}. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing ... '' see attached We sent them an email on XX/XX/XXXX and all we received was a robot response. see attached Today XX/XX/XXXX I went online to see if there were others having this problem with Coinbase and yes there were many. According to the others the best way to resolve their issue with Coinbase was with the CFPB.
At the end of XXXX, 2015, my XXXX son moved from our home XXXX. I gave him my AARP Chase credit card to use in case of emergency. It had about {$800.00}. credit left on a {$4800.00}. limit. In the next few months, my son used the card until it was almost {$2000.00}. over limit. Chase approved all these purchases. When I called and then wrote them to complain, they replied that the overages were my fault because I had given my son permission to use the card. They said the issue was between me and my son and that I owed all charges and interest. I think that I made a bad decision in giving my son the card and I know that he acted irresponsibly. He and I are working through that situation. However, that is not the crux of the matter. I am questioning WHY Chase continually approved charges over my credit limit. At about this time, Chase had sent me information XXXX attached ) asking if I wanted to raise my credit limit. I never said yes. I believed that a limit meant a final boundary. XXXX My XXXX card emails me an alert when they reject a charge because I am too near to my limit. ) I am attaching XXXX letters I sent Chase which explain in detail my complaint and the reasoning behind it. I believe that what happened to me may be evidence of the existence of fraud against other consumers.
XXXX XXXX XXXX has an account opened on my credit report and I dont know why it is there. The account was opened on XX/XX/2016 and the amount is {$560.00}.
I continue to have several issues with Calvary Portoflio Services : 1 ) I have received a letter from Calvary that they have provided debt validation, but they have not. I am still waiting on proof of assignment or transfer of the loan. From what I have receive the debt was purchased by them not assigned or transferred as per my consumer rights with the FDCPA. I have received proof from Calvary that they have my statements, which they have sent multiple times over and a copy of bulk loan purchase. This is not what I am asking for is proof of confirmation from about the relationship of assignment of debt to Calvary from XXXX. I sent requests for validation on : XX/XX/XXXX XX/XX/XXXX Certified XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX ) Calvary reported my original balance of {$3300.00}. However I received a letter from their representatives at XXXX XXXX that I would appear paid in full if I paid {$2200.00} on XX/XX/XXXX, which means that all of the balance information that has been reported on my credit reports has been incorrect since they have had my account. Last and most importantly Calvary is still reporting a collections balance, which they originally tried to settle for, I volunteered to pay the full amount of the balance for removal of the tradeline, in which they say they have no knowledge, but they changed the payment plans coming from my account. They did not send me a confirmation letter. In total I have paid {$2000.00}, with a remaining balance of {$100.00}. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They passed my account onto a company named XXXX and XXXX XXXX. who has been taking my money from my account on their behalf. I would like this tradeline removed form my credit report.
We have filed XXXX requests for a loan modification with US Bank. They sit on the application and do not follow the rules pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), Public Law No. 111-203, 124 Stat. 1376 ( XX/XX/XXXX ) .1 Rule 1.5.7thru 1.5.9. They do not make a determination within the guidelines. 
My last application was complete on XX/XX/XXXX. My counselor, XXXX XXXX, was told the file was complete by XXXX, point of contact at US Bank. They made a determination that I did not qualify because they did not receive my documentation on XX/XX/XXXX. This is simply not true. They told me that my file was complete and at underwriting ... sat on the file for more that 60 days and then said I was lacking documentation. They never notified me according to the rules that more documentation was requested or required.
Every year I request my " FREE '' annual credit report through XXXX XXXXXXXX XXXX. Every year it is the same thing. I can not access my free credit report from XXXX. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through XXXX to get a basic look at my three credit reports, it was not free. I tried to file a dispute to XXXX and to Equifax and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.
I have been engaged in a loan modification with bank of America for the past XXXX years. I feel I have been treated unfairly. For months chasing someone to follow up with only to find out they are reassigned or no longer with the bank, but then finally it seemed that we were on track. After filling the same paper work for the XXXX time submitting pay stubs bills etc. again and again finally the modification was approved. I received the conformation letter for the trial on XXXX XXXX 2015 and made the first payment on XXXX XXXX as instructed. Few weeks later the bank called to say that the approval was in error and we have to do it all over again so we did. Now it has been denied for reasons that I do not understand, I have complied with all they have requested, the house is scheduled to foreclose in one week on XXXX XXXX and am not sure what to do. It 's egregious to leave me with no option but to foreclose, while the house still has equity and I would have had more options if I knew this ca n't be accomplished three years ago. I have all the details and supporting documentation, its shows lack of knowledge, misinformation, and miscommunication. Please Help!
I filed a bankruptcy, and my lawyer has tried to g et a hold of JPmorgan Chase to help me m odify the outrageous loan agreement for this student loan. I have faxed them twice, and they never showed up to court. I will default on this loan because my income is not enough to pay this loan, and it will give me bad credit. There is no way to get in contact with the original lender. I just have to keep going through  XXXX   XXXX   XXXX  the servicing partner who will not give me information to co ntact Chase  about the original student loan. I need to be able to speak to them so they can talk to my lawyer.
A collection has been placed on all 3 credit bureaus by Phoenix Recovery Group for the amount of {$1200.00} on account # XXXX. I have now sent 2 certified letters to the company to verify license information pursuant to Texas Finance Code Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00} I have attached the expired bond information which was obtained on the Texas Security of State ( XXXX XXXX ) website. The company has failed to provide this information.
I am veteran who aplyed for a VA house loan with Veterans First mortgage in XXXX XXXX, ca. After working with them for 8 mos. doing all the paper work and paying {$60000.00} for a " appraisal '' the manage asked what other also was needed to complete the loan process. She was told they did not known! I then call and informed Veterans First Mortgage we were dropping them to go to go with another lender and and could we get our {$600.00} back for the appraisal that was never completed. I was told they doubted they could get the money back. They said they wondered why it took us so long to drop them. I do not want some other veteran to go through this process. Our new lender had us well on way within hour phone call! We would like to get our money back?
We applied for a mortgage with BBVA Compass. Senior Mortgage Banking Officer was XXXX XXXX in XXXX FL. We applied on XXXX XXXX, 2015 to close on XXXX XXXX, 2015. XXXX XXXX was the Consumer Asset Processor III - XXXX # XXXX. 

We bought a house in XXXX Florida with 26 % down. Five days before close they say that they sent emails to my present employer but my employer had asked for things in writing due to high fraud levels. I say surely your bank can figure this out before now, but they outsource all the verification and do n't send written mail apparently. Three days before the close, XXXX calls to say they now want 75 % down which was a huge sum of money. 

It was too late to find another bank and had we known that they were untrustworthy earlier we could have easily changed. It is so late that we have to sell a lot of stock and mutual funds quickly to raise the money to clear in time to close. So we sell a ton of shares and funds. It all clears the day before thanks to great work by our broker ( it usually takes three days to clear ). 

I write XXXX XXXX who is the EVP for BBVA Compass XXXX to ask for his help. No reply from XXXX XXXX and no help from BBVA Compass even after I ask for managers or executives to speak with after hearing this ridiculous change from XXXX XXXX and XXXX XXXX. Neither of them would give me another manager or executive 's name. I also called the bank branch asking to speak with the bank president with no luck. 

I am now worried about the creditworthiness of the bank, since I have raised the money but have no guarantee that they will close on time after such a radical breakdown in trust. 

Given that we had XXXX choice to change or do anything else, we close on the XXXX and the bank wires the money at the end of the day. 

The irony is that we had enough money to buy the home for cash and yet the bank changed the loan amount at the last minute and we were more concerned about their coming through. 

We now have a loan with BBVA Compass and would never recommend them, XXXX XXXX, or XXXX XXXX to anyone. In fact, they along with XXXX XXXX should be fired for what seems like their misrepresentations on closing the loan and terrible timing to change the terms of our agreement. We will pay the loan off well before the end of the loan since they do not deserve our business or patronage.
The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name XXXX I had periods since XXXX where my payments were in excess of XXXX days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XX/XX/XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XX/XX/XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.
Back in   XX/XX/XXXX  m y student loans were through  XXXX   XXXX  before it got switch over to Navient. I called back in   XX/XX/XXXX  or  XX/XX/XXXX . I was having trouble making my monthly payments which was over 300 $ a month. I ca lled Navient customer service to get some help with my payments. At first they kept pushing me to put my student loans in forbearance or deferment. An I told them I do n't want to do that the interest on my loans keeps adding up on my loans an at this rate ill never pay them off. I was then transferred to another department which I tried doing income base an they told me that I did n't qualify for income base payments. I had no choice to  put 2 of my  loans in deferment an then had to extend out when my pay off would be so I could lower my payments. Right now as  of  XX/XX/XXXX  I pay   {$210.00} a month an that does n't include m y 2 other  loans that I need to pay on. Which the payment for those will be starting soon cause they could only give me a 12 month deferment. I just recently called Navient o n  XX/XX/XXXX  abo ut late fee 's on my account. I called customer service yet again an asked them about the late fee 's. I said I have 14 days to make my payment before the late fee 's are put in. My due date is t he  XX/XX/XXXX  an I have to the  XX/XX/XXXX  to make a payment. I had a late fee on my account on  XX/XX/XXXX  an goes back since I had m y loans which is now over  10years. I wa s put on hold for about 10 minutes when she came back on the phone an told me that there must of been a computer error. She informed me that sent a request into remove those late fee 's. Now I am keep checking my account to see if they have been taken off. I have had my student loans for over 10 years an I can not get any help on making payments, student loan forgiveness. They are very push on putting your loans in forbearance or putting them in deferment.
Our mortgage is in my name. My wife pays the bill monthly. She was making the payment in XX/XX/XXXX online and thought it was fine until she went to make the XX/XX/XXXX payment. She then realized the XX/XX/XXXX payment did n't go through so she called, they waived the late fees and she paid both bills. She also forgot to make the payment at the XX/XX/XXXX. We are now on autopay to make sure she does n't forget but Freedom Mortgage submitted this to MY CREDIT REPORT dropping my score XXXX POINTS! Absolutely ridiculous that they would file against my credit for this very simple mistake one of which was their technology. This issue has prevented me from being able to XXXX ( the only reason I found out they had done it ).
I have emailed Capital One twice ( XX/XX/XXXX and XX/XX/XXXX ) asking if they could please do a goodwill gesture and update my 2 late payments on my CLOSED Credit Card - 30 days late - one for XX/XX/XXXX and XX/XX/XXXX ) so that they show as 100 % on time payments. My daughter was in the hospital with XXXX and due to the fact that I had to stay in the hospital with her, I had to miss work and that caused for me to fall behind on my bills. I was really going thru a financial hardship during that time. Both times Capital One called me and said my issue didn't fit their guidelines so they couldn't change it. When I asked what those guidelines were, they couldn't explain that to me. I am and have been a loyal customer of Capital One since XXXX. I currently have 2 credit cards with them and ALWAYS pay on time and pay the accounts off every month. I am looking to purchase a house this summer and those 2 negative marks are hurting my credit. I would really appreciate the goodwill gesture of making that account current. Thanks in advance! XXXX