WillisBack/dataset-financial-user-claim huggingface dataset:
Wells fargo is reporting 30 day lates for our loan but we have been paying our mortgage on time every month. My numerous attempts to request wells fargo to correct the reporting on our credit report went ignored ... even after I have provided proof of payment on each and every month we have paid on time!!! their ignorance is anacceptable please help
Small late fees were being added to the principal, once and sometimes twice per month, for over a year. Called Navient, they said they would refund the fees and deduct the amount from the outstanding balance. However, I 'm so busy with life, I ca n't sit there and go through all my XXXX loans to see everything.
they call all the time.i said i would pay XXXX a month and that 's what i do. it was a mobile home i let go back. so they gave it away an i have to pay the balance. they do n't send you a balance or anything to let you no they received your money.
This is a follow up in dispute of FedLoan 's practices as described in my previous Complaint # XXXX. On XXXX XXXX, 2017, my dispute explains that althgough Fedloans has agreed to reverse the forbearance they forced onto my loans after I called them out ; they proceeded to implement the same issue- a new forbearance, on XXXX of my loans. 
I do not know why they insist on forcing these forbearance 's on me, especially since all I requested was a re-calculation of my loan payments. 
Why ca n't Fedloans just let me keep paying my bill until they give me my new payment amount? 
I believe that Fedloan Servicing is forcing forbearances on people under the premise of waiting for the calculation of new monthly payment totals. 
I have attached the interest notice that I received in the mail. 
Again- I did not ask for a forbearance.
I have sold my house that is in foreclosure with Bank of America but the closing is not going to happen as Bank of America will not send a payoff. We started requesting XXXX XXXX. The closing is XXXX XXXX.
There are XXXX employer address 's on my report that are in error ... ... XXXX XXXX XXXX is my ex wife 's new address and XXXX XXXX XXXX is a misprint ... ... ..the other is listed correctly as XXXX XXXX XXXX. I also have another issue, my exwife insisted on paying all bills and controlling all money issues. She was notorious for paying late. I am being unfairly rated due to her lack of maturity in bill paying. I would like to have my scores reflect my history on bill paying since our divorce ... ... .which was about 5 years ago.
Was accepted into XXXX XXXX program by XXXX college, they do background checks before admission I informed of previous charges. Was told I was good to go, gave XXXX for registration fee and started class XX/XX/XXXX. Went through whole course and completed even given class completion certificate. ( Still have ) Well they had a couple of us double check backgrounds before extern and of course the same system used during admissions pulls up my background they said " I was good to go '' on. Well the " XXXX '' charges ( because thats the main thing you cant have on your background when going to XXXX   school ). Walked into a house my friend was waiting at, didnt know older brother in that house sold XXXX to a undercover officer earlier that week. And me and my friend walked right into a XXXX   bust, everyone in the home was charged with the same thing since the actual criminal wouldnt admit. Date of offense was XX/XX/XXXX didnt get it expunged tillXX/XX/XXXX. So the school would have seen record during admissions and background check. XXXX from front desk at XXXX college XX/XX/XXXX did state over phone their background checks are accurate, if ever anything missed it wouldve came back with the first couple days after 1st Bckgrnd check. I have spoken with Director of Student affairs who has yet to find background check and stated withdrawal papers states i left do to transportation not realizing I COMPLETED CLASS COURSES, transportation had nothing to do with why i couldnt go to extern. I have filed and contacted Borrowers Defense and student loan comp etc. I was told best thing i did was keep Documents which will prove School Error and not Student error and that I qualify for removal. I have {$12000.00} in debt on acct that all 3 credit Bureaus are still reporting and I couldnt even get certified or use credits. It has my debt to ratio high and preventing me from getting Qualified for loans. I so desperately want to move my family in our first home but I am told I am a Couple thousands to high.
XXXX XXXX Opened XX/XX/2013Amount XXXX Account balance XXXX account paid XXXX balance
PNC bank is holding my client 's {$5000.00} in escrow funds even though they have been released by both parties Buyer and Seller. 

Back story : " 1. XXXX XXXX borrowed money from a NY based unscrupulous lender. The lender started legal proceedings against XXXX when the company closed its doors. They then served papers on PNC Bank to put a hold on XXXX funds. They are allowed to do this against XXXX Operating account ( XXXX money ) but not against XXXX Escrow account ( money being held for clients ). 
2. We believe PNC Bank acted improperly by allowing a hold on the Escrow account. Without directly agreeing with us, they have asked us to prove that the Escrow account is truly our clients money. We have provided that info and are awaiting their response. 
3. XXXX has been negotiating with PNC Bank and has made some progress. 
4. The Escrow account in question has over {$40000.00} in it, all of which is not XXXX money and should be released. We have asked that your {$5000.00} be released while this matter is resolved. '' I understand they are freezing the business account of XXXX XXXX, but the escrow account is not their money - these are funds held in trust for clients - and subject to release upon release by both parties.
The complaint is against JPMorgan Chase Bank I opened a tenant landlord escrow account on XX/XX/XXXX On XX/XX/XXXX Chase sent the funds to the unclaimed property state remittance and never notified me. Chase had been sending letters to the tenants to claim the deposit money, but she never did. She could have just claimed the money and took the security while she was still living there, which would have left me without a security deposit. How is this legal? How is the bank operating under these terms and landlords continue to put their money there? When I inquired I was told the letters were sent to the tenant because of inactivity. I, the escrow agent ( landlord ), never received notification and neither did I see anything on the my statements. The money now needs to be returned to the tenant because she has left the apartment. Chase put me in liability because I have the right to deduct the deposit for damages to my property or nonpayment of rent. After all these years with Chase I am terribly upset and concern about the financial damages and liabilities they have caused myself and the tenant. First, from accounts at other banks that I have spoke to they have not mentioned that money would be sent to unclaimed properties in that short of a time frame and the bank would notify me both online and through the mail. Chase did not. Under Illinois law ULC Uniform Act ( RUUPA ) under Treasurer XXXX there are changes in XX/XX/XXXX which my account was opened in XX/XX/XXXX. I did not received notification of the changes and the law required email contact. I have used online banking and have had an email on my profile. In addition, I visit different chase branches and no mentioned of that law or my accounts. I hope others will learn from my experience and will tell other landlords and realtors of what Chase is doing. When Chase sent the money they only left of XXXX of interest in the account. It was never officially closed until on XX/XX/XXXX and Chase allowed me to open it. Do you think that if landlords found out about this, they would keep their business with Chase?
Hello, I originally took in this loan over 3 years ago, the reasons I have not paid the full amount yet is mostly economical, I went through a divorce 5 years ago and I am a single mother supporting myself and my daughter. I have deferred or ( forbearance ) payments for a total of 36 months, ( I had no knowledge the maximum time for forbearance was 36 months and that I had exhausted that time limit ) I was offered the option on the phone to get this done once more and I did it. My plan was to pay this in full when my tax return arrive early next year since I will finally be receiving incentives at work starting next year. I phoned ACS sometime in XXXX to submit my request to defer over the phone and it was accepted, at no point or time I got a denied note telling me it was actually denied. I went on and about thinking my account was in forbearance until I get a warning from XXXX telling me ACS had reported negative information in my file. I understand I exhausted the time limit but I did not know I did, nobody contacted me from there to let me know and to start making payments! I begged them to please remove the negative information from my report since my credit score dropped more than 60 points! I am finally trying to get a loan for a house and this is not helping me. I have friends who have been able to put their accounts in forbearance for multiple years, none of them are of XXXX descendent, which is very strange. I spoke to ACS and let them know I could me XXXX payments from XXXX and starting XX/XX/XXXX I can either get back into full repayment or pay the account in full. The stated the are obligated under FCRA to report negative information if the loan is n't paid as agreed, or account is in suspended payment, I understand that but I was under the impression I WAS in that status, had I known I was not I would have start paying somehow. What ACS is doing is keeping me from going forward in life, all I want is the negative information to be deleted from my credit reports because I did not know my account had exhausted 36 months of forbearance.
My mortgage was sold to another company. When I inquire about PMI insurance they are stating that the purchase price was XXXX when in fact the original purchase price was XXXX through my original mortgage company so they are not counting the {$29000.00} I already paid into the mortgage. I feel that I do have 20 % invested into the house and I have never been late on any payments.
I sent XXXX XXXX XXXX a XXXX letter asking for and I quote Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract XXXX purchased the alleged debt. 
If the alleged debt was purchased, provide a copy of an agreement between XXXX and myself, signed by me, stating that I have a contractual responsibility to XXXX for the alleged debt Provide proof that XXXX is bonded/Licensed for debt collecting in the State of Your StateI received a statement back not proving anything and they DENY my dispute. Under the FCRA Section 623 I have a right to verify this information for myself, if it can not be validated then the tradeline must be deleted
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. Also attempted to contact XXXX, XXXX, and XXXX, and XXXX XXXX. Per the address listed on my credit report and the letter got returned. I sent it to the bureaus, and they ignored it. Please help if you can thank you.
I have been paying on a loan to this collection group, XXXX, for over 5 years through a credit counseling agency and the collection group refuses to send me or the counseling agency balance due information or acknowledgment of receipt of payments. When I call, they say they ca n't talk to me and when the counseling agency calls, they can not get documentation or a return call. Sometimes the counseling agency is put on hold indefinitely.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
I have filed numerous complaints against Accelerated collection Co and there has been no response. I have two cfpb account open # XXXX and XXXX and no response from neither Accelerate collection nor CFPB. This collection that has been falsly reported has now cause my FHA home loan to be denied. I am not doing able to provide my family a new home due to this error and credit abuse. I do not owe this bebt and no proof has shown that I do
I have a negative item on my credit report from ShellPoint Mortgage Serv which was opened in XX/XX/XXXX. The original debt was with XXXX XXXX XXXX which has since been absorbed by ShellPoint Mortgage. It was the joint responsiblity of myself and my exhusband, XXXX XXXX. In XX/XX/XXXX I filed Chapter XXXX. All of my debts were discharged in XXXX XXXX. I have contacted the company, including an officer of ShellPoint to try to get this resolved on all three credit reports. The company will not correct their records. I am taking significant hits since this is a negative itme on my credit reports, the ONLY negative item. 

Can you help me? 

XXXX XXXX
I filed Bankruptcy in XXXX of 2014 which excluded my home and truck : XXXX were exempt and it states it on the Court documents. My mortgage company, Caliber Home Loans, has listed my house on Bankruptcy status since that date for which it was exempt but I just found this out recently and the mortgage co. informed all the credit bureaus also that it, my home, was in Bankruptcy status also, which I have a recent letter from them stating they informed them, so when I was getting credit help they stated that prior reporting was accurate and the request to remove anything they were unable to do. 
I went to get preapproved for a home loan and the Loan Officer told me that it was under Bankruptcy so I would not be able to get a loan for 7 years. 
I have been in contact with my mortgage co. and they know it is exempt but will not remove the status and I have been shuffled from person to person. My credit is bad enough without this but not as bad without this on it. I want it to be taken off my credit reports, all XXXX, and reflect that it was knowingly put on the credit report information that was not correct. 
information.
After the statute of limitations ran on an old XXXX store account, Equifax started reporting a duplicate account thus showing I defaulted on XXXX, not just XXXX. I disputed it with Equifax. They concluded their investigation by saying credit granter verified the information ( but not on which account ) and to call Credit Granter for more information. I called XXXX at the number Equifax provided and they told me that the account had been sold and that their not reporting the duplicate account to Equifax.
ON MY EXPERIAN CREDIT REPORT I HAVE MISSED SPELLED NAMES AND ADDRESSES THAT DON'T BELONG TO ME NAMES : 1. XXXX XXXX XXXX 2.  XXXX XXXX 3. XXXX XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX  XXXX FL XXXX 3.  XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, FL. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PHONE NUMBERS : 1. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX
XXXXsentdetailedinformationtoacompanybythenameFinancialRecoveries.Irecentlyrecievedprinteddetailedinformationfrom : FinancialRecoverieswithinformationintheirattempttocollectadebtin whichmyHealthCareProviderdidpay.Thisinformationgivesexplicit detailsregardingtests, labs, etc
Transuion has violated their policy by reinserting XXXX or XXXX twice in two week period.Am asking for this issue to be resolved by deletion of XXXX.
I disputed this account several times with XXXX XXXX and With XXXX,   Experian, XXXX I Have a complaint thru CFPB cause XXXX XXXX  will not respond to me but the did responded to the CFPB with : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue.

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information.

I went off information in my credit report by XXXX, Experian, XXXX XXXX, Experian, XXXX claims they validated this account so i am DEMANDING by law they provided me with all documents that has my signature they have received to validate this account and to whom they spoke with, and the address and number to whom they spoke or sent dispute to, that the information they are reportin is inaccurate cause the CFPB could not get the right bank either, So at this time if this does not resolve the issues then as of XX/XX/XXXX I AM filing suit in XXXX XXXX, ok and will request for all supporting documents to be produced or pay for inaccurate reporting and i wont settle the courts can make the decision on this matter. AND I DO BELIEVE XXXX IS ACTING IN BAD FAITH TO PROFIT FROM THIS TRADELINE.

THIS IS MY FINAL NOTICE TO XXXX AND THERE RESPONSE WILL BE USE IN COURT.
I am a victim of identity theft. I have previously disputed these accounts opened in my name without my authorization. I have previously supplied Regions Bank through the CFPB website a copy of my lease showing that I did not live at the address used to open these accounts. These accounts were opened online due to fraud. Regions requested I send in a copy of the FTC Fraud Affidavit I have on file. I have attached a copy of that as well as correspondence between other financial institutions that have researched this identity theft and found it to be valid. I encourage Regions to reach out to the other banks to verify their investigations found I was not liable for these accounts as they were not opened by me.
I have a checking account through TD bank. Recently my account was overdrawn due to several transactions from a previous week hitting my account. I asked several employees if the " available balance '' was what I could use without overdrawing my account. I was told yes by all employees I asked, obviously this was false, considering I got charged {$170.00} in overdraft fees. I spoke to someone on the XXXX of XXXX, they credited my account with half of the fees, told me my new balance, and everything was all good. Now on the XXXX of XXXX they charged me another {$70.00} in overdraft fees for two transactions that went through, now there was enough in my account to cover these transactions. So now, my account is overdrawn again, with five pending transactions that will also incur fees, although I had enough to cover these purchases. I also have it set up so my account should not be getting overdrawn, the transactions should be declined. So if there was not enough to cover the charges from the first two transactions ( there was ), the other five should never have been approved. I was told the available balance on the mobile app was up to date and what is available to you without overdrawing. Which has proven to be completely false and misleading.
The Claim : Our HELOC mortgage payment sent to SLS Loan Servicing ( SLS ) in the amount of {$10000.00} has been erroneously endorsed by XXXX XXXX ( XXXX ) and misapplied and erroneously credited to an unknown account at XXXX. SLS was notified of the error on XX/XX/XXXX but to this date refuses to either acknowledge receipt of the check or to sign an Affidavit of Forgery or Misapplied Funds that will allow our bank, XXXX XXXX XXXX ( XXXX ), to pursue a claim against XXXX for the erroneous endorsement and/or proper credit of the misapplied funds. 
The Facts : In XX/XX/XXXX we opened a HELOC account with XXXX XXXX. That loan was apparently sold to a securitization owned by an unknown investor on an unknown date sometime before we made the first draw on the HELOC on XX/XX/XXXX. Servicing on the HELOC was transferred to SLS sometime around XX/XX/XXXX. We sent the {$10000.00} mortgage payment by personal check ( the " Check '' ) to SLS via USPS addressed to their designated XXXX in XXXX GA ( see attached copy of front and back of the Check ). On XX/XX/XXXX the Check was erroneously endorsed by XXXX as payable to one of their accounts and on XX/XX/XXXX the Check was cleared by XXXX and the {$10000.00} was disbursed to an unknown payee. On or before XX/XX/XXXX we discovered that the proceeds of the check had not been credited to our HELOC, and on that date we filed a claim with the Postal Inspector at the USPS and complained in writing to SLS requesting SLS to either correct the misapplication of funds or sign and send to XXXX an Affidavit of Forgery or Misapplied Funds so XXXX could pursue a claim against XXXX. We signed and delivered such an affidavit to XXXX on XX/XX/XXXX. On XX/XX/XXXX we contacted the XXXX Ethics Line by email to request an investigation, since XXXX or one of its clients was the apparent recipient of the misapplied funds. On XX/XX/XXXX we received a letter from SLS ( copy attached ) disputing that they had ever received the Check and disclaiming any responsibility for the misapplication of the funds from the Check. 
Current Situation : The HELOC matures and final payment is due on XX/XX/XXXX. We have paid the outstanding balance down to approximately {$10000.00} but will have difficulty paying off that remaining balance if we do not recover the {$10000.00} in misapplied funds. We have an on-going ethics investigation pending at XXXX, and have recently discovered that the loan syndication may have been purchased by XXXX, who SLS told XXXX Ethics is currently the owner of the HELOC. ( XXXX = XXXX XXXX XXXX XXXX XXXX. ) Since we are still investment clients of XXXX XXXX, we have requested an investigation at that entity as well. In our view, the funds are currently held by XXXX on behalf of XXXX, but the funds were erroneously deposited in the wrong XXXX account by SLS. However, XXXX has now essentially washed their hands of the situation ( see attached letter ), even though they are the key to tracing the funds at XXXX either through their auditing of the internal routing of the Check, or by providing the necessary affidavit to XXXX so it can trace the source of the erroneous endorsement at XXXX.
There is wrong information in my report,  XXXX   XXXX   XXXX  - ACCOUNT NUMBER  XXXX
XXXX of National Credit Management told my father about my debt and accepted payment without my consent. I am not and was not a minor at the time. 

XXXX XXXX XXXX National Credit Management XXXX XXXX, MO XXXX