WillisBack/dataset-financial-user-claim huggingface dataset:
I have never been more than 30 days late with XXXX! My account is due on the XXXX of each month! They also called and offered me a deferment on XXXX XXXX and the they indicated that it was a promotion that they were running for all customers to skip XXXX XXXX 's payment. The customer service agent did n't put the extension in until XXXX XXXX, which is a mistake on XXXX 's end and not mine! I agreed to the terms and then 45-60 days late shows up on my credit report! I am demanding that this inaccurate information be removed from all of my credit reports and that includes XXXX, Transunion and XXXX! Even the resolution representative at XXXX requested that it be removed, because I have never been 30 days late. This is inaccurate information that must be removed from my credit report. As you see in the attachments is that I should not have a negative mark on my credit report. Under federal law the account has to be 30 days past due the due date to be eligible to be reflected on a credit report! They know that this information is erroneous and inaccurate. I was a few days late on XXXX 's payment and paid on XXXX XXXX, for XXXX, but I have never ever been 30 days late!
I have been attempting to have late payments removed from credit reporting for about 6 months now with Bank of America. in XXXX and all of XXXX, i was facing financial hardships due to under-employment and fell behind on my mortgage payments. I was able to reach an agreement with this servicer to help me modify my mortgage and i have been back on track with my payments for about 18 months. 
I have asked through a third party that the late payments be removed from my credit reporting many times with no avail. 
I am reaching out today for help because these late payments are creating a new financial hardship on me in the sense of higher interest rates with school loans and credit cards as well as higher insurance premium with a clean record and a low crime area. The late payments that are attached to me are hurting me and my family and enriching lenders and insurance companies. Even though i am able to save my house and i have made great stride is my credit worthiness status, i find myself still catching up on my finances. 
thank you for any help you can provide me.
My previous employer was XXXX XXXX in XXXX XXXX, XXXX, and I was gired as a XXXX. I awent to a training course with them for 3 months. They told us that I could make good money but I found out if Im on the bottom of seniority then I would have to work in the XXXX  as a XXXX XXXX XXXX earning only XXXX  dollars per hour. Also, thier employees are very agressive therefore I didnt like that environment, so I left the job on XX/XX/XXXX. They told me that I have to pay them XXXX thousands dollars for the course I went through with them, I accepted, but they told me that another agency gon na call me later for that. I waited for 1 month, noone called me, So I called the human recourse manager and thier head quater office about the issue, they told me that they have no information about it, therefore I thought they forgive me and not pursuing collecting the XXXX grands anymore. Approximately around XX/XX/XXXX a human resource manager from XXXX XXXX in XXXX  called me and asked me to pay of the debt within 30 days and asked me if I receive any letter from them, I said No, I didnt receive and I moved to XXXX XXXX, XXXX  for new employer I was shocked because I wasnt prepare for it, how could I come up XXXX  grands within a month, so I negotiated with her that if I could make monthly payments ; she said ok and transfer my case through a debt collection agency. She didn tell me if I go through this debt collection agency then it would hurt my credit score ; And i have been trying to reach out to her to ask her for the debt collection agency so I could start making payments but she seem like postponing and procrastinate, and seem like she didnt care about my credit score. Three months later after May she finally give me the phone number for debt collection agency and I started making payment at the end of each month since XX/XX/XXXX, I set up automatic payment so they can just take money out from my checking account. I have been making payments on time. But the true problem is they reported faulsely that i was late because they sent a letter to my house in XXXX, I didnt receive it and I have been reaching out to them right after I qut the job, they caught me off guard and unexpectedly out of no where and demanded for XXXX. Also on XX/XX/XXXX they should have taken money out feon my bank at the end of the month but it came out on the XXXX  of XXXX   instead, I called the agency and told me that it would take server days for it to be processed, but when I called XXXX and XXXX, they said these things would hurt my credit score badly, I have never missed any payments in my entire life and now this XXXX XXXX and Merchant medical Devt collection agency hurt my credit score badly. Please help me take off this bad name debt collection off from the 3 major credit bereaus. Thank you. The following are thier phone numbers : 1 ) XXXX XXXX, the human resourse manager named XXXX  ( XXXX  ) XXXX 2 ) Meechant Medical Debt Collection Agency phone number ( XXXX  ) XXXX
XXXX XXXX is currently reporting lates on my account that are inaccurate. I filed a skip payment for the month of XXXX. I should NOT be showing any lates on my account.
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Navient ( a.k.a. - XXXX XXXX ) has been nothing but trouble from the beginning. I have repeatedly told them that I live on very meager Social Security XXXX Income ( for my XXXX XXXX ) - which is a Fixed Income, but they rarely honored our agreements unless I was able to get a lawyer ( or someone else ) to help me reason with them, as it is like talking to the wall. I have told them a number of times over the years that I can't afford a repayment plan of more than {$60.00}, but they have set their current online platform on their website to the point where they're trying to force me to pay more than {$100.00} - an amount I have repeatedly told them I can't afford. A few years ago, one of their representatives tricked me into paying an amount I couldn't afford then, when I had no money in the account, by lying about when the money was going to be processed ( after he had manipulated me into giving out the details of my debit card ) and resulting in a {$100.00} overdraft in my bank account. Navient doesn't seem to care that people ( like myself ) who live in poverty level need money for food and other things - I can't even afford a car, and they threatened to " seize my assets '' at one point, when I don't even have anything for them to take. I always have to fill out their Income-Based Repayment Plan every year, but it is not being honored for the most part - I told one of their agents about a week ago that I can't afford more than {$70.00} at this time, and the impression I got was that the amount was NOT going to be raised. Now I can't even pay the amount we verbally agreed to that time - they made the system try to force me to pay {$140.00} just now, tackling Late Fees into it as well. I have repeatedly told them that I can only pay a certain amount, which is NOT {$100.00} or more ( as is evidenced by the enclosed letter I wrote to them, the facts of which I have repeatedly told them over the years, but which never seems to get honored ), but now they've set up their system to not allow me to manually enter in the amount I CAN pay. Plus, one of their agents has the habit of harassing me on the phone every 10 minutes ( also evidenced by one of the enclosed letters with this complaint ), after they agreed not to do such a thing - and after I put my phone number on the Do Not Call List. She has harassed/threatened me on the phone repeatedly, and when I try to call back, doesn't listen to anything I say. Make Navient honor their agreement and stop threatening their borrowers - I am one of the few that is able/willing to pay what I can every month, but it seems like every time I try to do that, they make it impossible to do so. I am currently an XXXX XXXX and have just recently found out that I'm supposed to be eligible for " Student Loan Forgiveness, '' based on my year of service, but when I called to tell Navient that, they didn't listen and continued to make unreasonable demands. I demand that they be held accountable for the hours and amounts of suffering they're causing their consumers, especially with their " Bait and Switch '' methods on the loans.
I signed up for an account with a XXXX bonus. I have not recived it. Now they are saying I had prior accounts but they are with my minor kids. Which I was told I still qulified. Then they said I was negative which I was for a fee caused by the bank. An annual fee I was unaware I had. So they said this was why I was I had not received bonus. I feel like this was misleading and the bank is trying to find any reason not to pay.
I had reached out to Transunion to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at transunion advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with th e Fraud department, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usual 24-48 hr bit, knowing that i was just being thrown to the wolves. I am also having this issue with  XXXX  and  XXXX  where i can not get any of my free credit reports with some type of error stating that my information cou ld not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.
This account is not mine was disputed back   XXXX   ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to   XXXX   and   XXXX  , please see attachment credit report.
On XX/XX/2018 I signed a contract to sell my home at {$120000.00}. The settlement date was XX/XX/2018. TWO DAYS prior to settlement, Wells-Fargo, the buyer 's lender, shut down the loan due to paperwork missed and poorly recorded on their end. They claimed this was due to the date of the buyer 's second FHA mortgage being too soon to the sale date of my current home. Something that was either incorrectly recorded or something that should have been found long before XX/XX/2018. I was contingent on the sale and therefore could not purchase my new home later the day of settlement.

Since then, the home I was going to purchase was put back on the market and I had to put my home back on the market shortly before XXXX. This is the slowest time of the year for real-estate and I have received significantly lower offers on the home since this incident started. Offers I can't accept because of the purchase price of my new home.

Additionally, I had 1 business day to cancel all of the utility/service transfers as well as new accounts I set up for my new home. I had to intercept mail being sent to my new home, I had repairs I had paid for the buyers, and both of my cats got sick when being sheltered for more home showings. Not to mention all the stress and chaos I have had to endure over the past few weeks. I bought appliances for my new home that sit in a XXXX warehouse while my credit card gets hit for the purchase. I have had to add additional time to my storage needs and live out of boxes while I try to sell my home. I lost electricity for a day, which included my heat in the dead of winter, since it was such short notice and I was mis-routed to the wrong department the day prior.

My mental state is exhausted with the stress Wells Fargo put on me. Surely, the buyer 's family is suffering as well. I have worked numerous hours on reversing the outcome of Wells Fargo 's last minute decision and I am still feeling the affects of their clearly untrained or uncaring staff. My work-life has suffered and as a single owner and only occupant for this home, I am taking on all costs and time spent dealing with this issue alone. Soon I will lose the new home I was under contract to purchase as it has been too long for them to wait for me.
I am filing a complaint against experian because I have been a victim of identity theft and filed a police report with the XXXX County Sheriff 's department on a fraudulent account that was opened with XXXX XXXX XXXX XXXX XXXX account number XXXX. This account appeared on my credit report and I immediately contacted the creditor and gave them my social security number and they were not able to locate an account. I contacted Experian and notified them that this might belong to my sister with the same name. They placed the account under dispute and they sent me a response saying the account was verified. At that time i contacted the creditor again and explained to them the situation and they looked up by my name and came across an account with the last XXXX digits of the social transposed to XXXX and mine is XXXX. I filed a police report and I uploaded the police report to experian and explained the situation to them and to please block and remove the account and the social variation of XXXX that is being used fraudulently and they have not removed the account from my file even though it is fraudulent and not even reporting my correct social.
I had a medical bill I guess that I owed in the amount of {$590.00} in the year XX/XX/2013. I had insurance and I had received the last medical bill in XXXX I called the XXXX XXXX office and they told me to wait not pay anything more until the insurance pays. I never received a bill after that. The beginning of this summer I kept getting phone messages that this message is for XXXX if your not XXXX than hang up. I ignored this message because of spam. I received a letter from a credit agency that I owed {$1500.00}. Right away I called them and I said I would set up payments I always pay my bills if there owed. I checked my credit report and my medical bills and they just did n't add up to {$1500.00}. So I called the credit agency and she said Oh they wo n't. I kept paying but than a lightbulb went off and I asked for itemized letter of what I 've been paying on. Nothing was itemized. So I called the XXXX XXXX office that whom I owe money too they said they have only received {$25.00}. I am going to a lawyer on this matter. This just is n't fair to me.
*THIS IS NOT A DUPLICATE* I believe that my mortgage account is being serviced as an adjustable rate mortgage instead of a fixed rate mortgage. My amortization schedule is a " Step Rate Loan Amortization '' which is a type of adjustable loan. My billing statements are inconsistent as to what is stated to pay and what is actually paid. The company acknowledges adjustments taking place in the account. The company sends documents and letters that do not accurately represent my account.
I called Automobile Acceptance because I noticed that my credit report is reporting a balance of {$13000.00} and is saying that I failed to pay every single month even though I respectfully asked to to come pick it up due to my inability to pay the note due to me losing my job.. I voluntarily gave them the vehicle back because I lost my job and my ex husband stopped paying the car note for he paid it every month since he had me get it. The account shows as a repossession, which it was not it was a voluntary repo due to my change in my finances, but I never received a call or a piece of mail since they picked up the car from my home. I have had the same phone number the entire time, since XXXX. I never even received a letter stating the remaining balance after the sale of the vehicle. I had to consult with an attorney that advised me of the steps to take and this was one before entering into litigation at which I hope that is not necessary. I updated my address with them in XXXX when I moved and in XXXX when they called me about the late payment and I told them I could no longer afford.
I have never received a right to dispute or a validation of debt. Furthermore, I have filed previous complaints alleging re-aging and inaccurate credit reporting. I am attaching a copy of my XXXX credit files, provided directly from the credit bureaus. These documents prove that the date of first delinquency and date of removal are all different. With correct reporting this would be impossible. The date of first delinquency is a firm unchanging date that must remain the same between bureaus as it is a record of fact, a singular point in time that the alleged debt became delinquent. The bureaus do not generate this information, it is provide by the collection agency. This inaccurate information is a violation of my consumer rights and a violation of the FCRA.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My employer is XXXX XXXX XXXX ( XXXX ) I found addresses that do not belong to me on my credit report please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX I have included my ID ans SS info for proof of address.
Equifax was reporting XXXX accounts that I was an authorized user on, however not liable for ( I have cancelled being an authorized user ). I asked them to remove the accounts they removed the first account within a week of the dispute. I contacted them on the status of the second account and the representative told me she could get this taken care of. She worked on the account while I was on hold 30 minutes and came back and said the account will be removed in 24 hours. 48 hours later I pulled my credit report thru the Equifax system and the account remained but the dispute was removed. I called and spoke to a supervisor who said they were working on the dispute, even though the dispute was cancelled. I asked how they could do this because, dispute XXXX was cancelled so I could get my pre approval for a mortgage and is still technically open and that was filed 3 months ago. I contacted the bank, XXXX XXXX, and they stated they had indeed sent Equifax the information 17 days prior though Equifax personnel say they do n't have a record of it. So they are holding my credit report hostage by not being diligent with information give to them. The XXXX other credit bureaus removed these accounts within 48 hours of receiving the dispute because the information stated directly I was only an authorized user and not a joint account holder. I believe all credit bureaus need to help consumers and not hold them hostage because a score of XXXX is not good because of an account being reported but a score of XXXX is good when said account is not shown, big difference in percentage rate for a mortgage.
Diversified Consultants has been calling me since XX/XX/XXXX. On XX/XX/XXXX, I sent a letter stating that I do not have any knowledge of any debt outstanding, requested that they provide identifying information for the alleged debt, and demanded that only contact me via mail and cease contacting me by phone. 

That letter was received on XX/XX/XXXX and from XX/XX/XXXX through XX/XX/XXXX I have received 3 more calls from Diversified Consultants in violation of the cease and desist letter. I have not received any written communication from Diversified Consultants, either before or after the cease and desist letter I sent.
I have been a customer for 4 years now with Chase, on XX/XX/XXXX they charge me a {$75.00} Legal Processing Fee, that made my account balance go negative, then they kept charging me fees because my account went negative. When I called Chase, they told me they would have to transfer me to their legal expert and I was kept on hold for extended periods of time until they eventually hung up on me. They are also not allowing me to close the account either. 

XXXX XXXX - was the manager who is made the decision.
XXXX XXXX ( Credit Agency ) for XXXX XXXX XXXX ( Original Creditor ) removed a debt for {$2200.00} from my credit report on XXXX XXXX, XXXX by XXXX it was back on my reports I hired XXXX to assist in fixing my credit and getting things removed from my credit report on XXXX XXXX, XXXX in agreements with XXXX they removed the debt from my credit report and at some point from then and now it is back on all XXXX of the major credit reporting agencies ( at {$2400.00} & {$2400.00} ) and I was never notified by XXXX, XXXX nor XXXX why or that it had been put back on.
In XXXX, I reported the accounts below as being opened as a result of identity theft. The accounts were then blocked/removed from the report and the fraudulent address associated with them was also blocked/removed. I recently noticed the accounts and the address has re-appeared and without any notification that it is was going to re-report. These accounts are a result of identity theft and I never opened them. I have tried to resolve with the bureau but with no response at all. They continue to report this information after initially removing/blocking it after receiving the identity theft packet in XXXX, and now re-reporting it in XXXX of XXXX,, and refusing to respond to my dispute regarding these accounts. The bureau is also reporting that I filed for bankruptcy when I have not filed. Then removing it and re-reporting that I filed a day later. 

Chapter XXXX Bankruptcy XXXX XXXX - Account Closed XXXX XXXX - {$18000.00} Due XXXXXXXX XXXX -Account Closed XXXX XXXX XXXX XXXX {$300.00} Due Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
On the day of XX/XX/XXXX, I mailed off a letter to XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.