WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion failed to correct an account from XXXX XXXX Loans in the " Pay Status '' as Current ; Paid or Paying as Agreed. The account is showing 60 days Past Due. I want TransUnion and XXXX XXXX Loans to correct this error and update my credit report.
I submitted an application for HAMP assisstance to America 's Servicing Company. I am requesting a loan modification, they responded that I had the maximum amount of modification possible and that the private investors are renuant to offer another modification. In a telephone conversation that I have with XXXX America 's Servicing Company, Home Preservation Specialist in XXXX XXXX, she stated that the investors can not approved the modification because I was found unable to pay. The house is scheduled for a foreclosure on XXXX/XXXX/XXXX. I am requesting your help to stop the foreclosure and to advocate for a positive solution of my case, either loan modification or refinance. Thank you.
I filed Bankruptcy on XX/XX/XXXX. However, XXXX is still listing companies as debts that appeared in my Bankruptcy such as XXXX Bank. It also listing XXXX XXXX  as a closed account when in fact it was paid off by XXXX XXXX in XX/XX/XXXX
There are hard inquires which I did not authorize. 
I requested investigation, but they never started investigation. 
Want to finally fix this error
XXXX  XXXX XXXX has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.
on or about XXXX XXXX XXXX, all XXXX XXXX, equifax and XXXX put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. XXXX
I had a minimum balance of {$48.00} from my XXXX  doctor which honestly I didn't know about. However upon checking my credit recently, I notice it was posted on my credit as a negative. I immediately reached out to the company and told them I was unaware of it and I made the payment. I am in the process of doing something that requires my credit report and this mishap has affected it tremendously. 
XXXX XXXX XXXX ... .account type Collection ... terms 1 month ... .XXXX2014 ... .closed ... late ... .. {$48.00} ... original amount {$260.00} ... original creditor XXXX XXXX XXXX
I am being harassed by Ocwen Loan Servicing employees and litigation crooked lawyers. Ocwen XXXX are using levels of fraud to rip off my home. The system is so corrupt. I have repeatedly demanded CFPB enforcement staff to involve the authorities into my matter and kick in Ocwens front door to drain the smelly fishy swamp. I am not taking any XXXX from shady ocwen or its crooked fairly new licensed attorney.
My mortgage company Nationstar did not cancel my PMI on my loan based on the Homeowners Protection Act of XXXX. I made attempts via phone calls as well as online to obtain an answer on why it was n't cancelled only to be given different information each time. According to the HPA law as well as my Private Mortgage Insurance Disclosure statement my PMI termination date is XXXX/XXXX/XXXX. However my monthly payment still reflects PMI owed for the XXXX XXXX payment.
First let me clarify that my complaints are to the " consumer file reporting agencies '' .I had no idea that these data miners existed. I thought it was just the big XXXX Credit Monitoring Agencies. I may have not listed my complaint in the right catagory because Im not exactly sure what LexisNexis, larity ( and the others ) are reporting on me. The reason why I was denied a loan from XXXX is listed below ( allegedly ). Having to do XXXX separate complaints is time consuming so Im using the same complaint but submitted it 4 times to the XXXX companies listed I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are XXXX, XXXX, XXXX and LexisNexis. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with XXXX on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact XXXX and XXXX to do the same. XXXX and XXXX has not. Ive attached the email from XXXX, the dispute results from XXXX ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. XXXX, LexisNexis, XXXX, and XXXX. My last dispute was with XXXX on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.
When my husband lost his job last yr, we contacted our mtg company to see about getting our mtg int rate reduced ( it 's @ 6 % & most ads were advertising mtg interest rates for LOT less ). We were only behind by XXXX payment which we brought current. Our mtg payments are {$1600.00} - only P & I - we never had an escrow acct set up for our mtg, since it 's inception in XXXX, it 's always been P & I only. We pay RE taxes/ Insurance when bills arrive, never late. Process of trying to get Modification was begun around XXXX XXXX. We provided ALL documentation SEVERAL times. Finally got Mod agreement - pymnts were MORE than current payment! Told them we did NOT want the modification agreement as it included Escrow acct. They ignored us! Continued sending paperwork for the Mod Agreement. 
Now they have paid full yr of our RE taxes & Insurance by using our XXXX & XXXX XXXX P & I pymts & not applying pymts to mtg. They are in violation of Fed Bankruptcy Chapter XXXX reporting laws - they show our acct as delinquent on all XXXX Credit rpts as they themselves have made it " delinquent '' by paying a full year 's insurance & real estate taxes by using our Principal & Interest payments. 
Latest letters say they will work with us to go thru the Modification Agreement by submitting ALL paperwork again & work with other lenders to POSSIBLY get us placed with a different mtg company and the latest letter we received on Saturday, XXXX/XXXX/XXXX says we " opted to sell our house ''! We have NOT indicated that we want to sell our house!! ( Part of mtg process our issue is related to is actually # XXXX, # XXXX, # XXXX & # XXXX! ) It appears to me that the employees do NOT know what they are doing nor do they listen to their mortgagees, each person tells you something different - the account manager tells me one thing, then a person in Esc Dept tells me something entirely different!
I received an invalid transaction on my account. I contact the bank and vendor on the day the transaction showed in my bank account. I spoke with 3 different representatives at the bank. I provided the bank with all the information given to me by the merchant. The final representative was in the " card '' department stated that they were removing the transaction and I will not receive an overdraft fee. The next day I check my account and it has 3 overdraft fees and the invalid charge is still on my account. I contact my bank. The representative informed me there were no notes on my account indicating my call or complaint and there were no open disputes on my account for an invalid charge. I request a supervisor who informed me that they could do no more than their representative. I was then told all the charges will remain until up til 90 days. The supervisors are irrelevant and have no more authority than the representatives. There was no courtesy and I was basically lied to three different times. I received no assistance from the bank ; I was not awarded any temporary credit or charge removals for my inconvenience.
i submitted a short sale to ocwen on XXXX-XXXX-15all financials and the package was complete they even said it was. 
i went through heck working with ocwen trying to get them to approve the current offer submitted to the bank, it is like they do not listen or like XXXX or something. I do not understand how they can have me foreclose because there is not enough time. 
question ocwen : does it take 60 days to determine that there is not enough time. maybe if you processed the paperwork in enough tie we would have more time to market the property at your ridiculously overpriced value of 110,000. my home is in XXXX. it is valued at about 50,000. please help me to get the foreclosure date postponed it is set XXXX. 
i do not know what to do. 
they are forcing me to foreclose. i live in this house lost a job have no money now i will be in the streets, this is crazy. i thought Obama had programs for me like hafa? hey ocwen did you conduct an appraisal for my HAFA application?
CitiMortgage gave me the run a round on the short sale on my home I had to do because of severe financial distress and job loss. They kept asking for the same paper work over and over acting as if they did n't get it. It caused a foreclosure of almost 7 years ago -- when a short sale would have worked. I have evidence as I used a short sale expert broker named XXXX XXXX and he can attest to the stonewalling and complete run around. <P/>XXXX XXXX XXXX
I was closing my checking account in  XXXX    XXXX   and stopped electronic debit. I made a phone payment from my new account for the  XXXX  payment. The mortgage company also withdrew a second payment from the old account before it closed. They would not reverse the second payment saying I can skip the  XXXX  payment. I set up automatic debit from the new account for The  XXXX  payment. The mortgage company tried to withdraw from the closed account on  XXXX   XXXX . The payment bounced and they charged {$87.00} in late fees and an online payment. I tried to delete the old account from their records but ca n't. I called customer service ( in the  XXXX  ) but the representative could make no changes. I asked to transfer me to a USA representative but he told me I was unauthorized. I do not know how to fix the problem as the incompetence is at all levels. I believe they want the late fees.
I originally collected students loan from  XXXX   XXXX  for both my   XXXX   and  XXXX  degrees at  XXXX  in  XXXX  and  XXXX , respectively. I started repaying for the first first loan in  XXXX  soon after I completed my   XXXX   XXXX    degree  and continued repaying for both loans in after completing my  XXXX  degree in  XXXX , thereby reducing the principal significantly. However, in  XXXX , due to death in the family and divorce, I had to file f or Chapter   XXXX  Bankruptcy. Even while in  Chapter   XXXX  bankruptcy, I continued paying until my debts were  discharged in    XXXX . During the time that I filed for  Chapter   XXXX ,  XXXX   XXXX  indicated to me that my loan had been paid in full by the guarantor and that my balance is {$0.00}, although per the bankruptcy requirements, I was still paying to the trustee for disbursement to  XXXX   XXXX .     Soon after my discharge in  XXXX , I was contacted by NAvient that they have bought my account and that they will be servicing my loan. however, to my astonishment, the principal balance on my loan had accrued interest and was significantly larger that the balance that I had prior to  Chapter   XXXX , which should have even been lower with the payments that I have made through the  Chapter   XXXX  period. I have tried to work it out with Navient with no success. They keep lying and providing false information. As can be seen in the attached, Payments that I made between  XXXX   XXXX  through  XXXX   XXXX  more than 10 years, have not been shown. I believe the balance on my principal is wrong, significantly inflated and illegal.
Capital one spark for business is showing up on my personal credit report. This is a business card that ran my company 's XXXX XXXX XXXX account to determine our credit. I have tried multiple time to have them fix this.
XX/XX/2014 I received several letters stating that a debt I had with Citi bank went to collections. I have no accounts with Citibank so I called the number on the letter which was a debt collector. They culd find no record of it and could offer no info. I sent a certified letter explaining the situation and asked them to stop contacting me. It never showed up on my credit and I never heard from them again so I thought it was resolved. I recently applied for a HELOC and this debt showed up. I called Citi bank which had no record of the account and referred me to their identity theft dept. Unfortunately I work the hours that they are open. I then called XXXX XXXX and they told me to call the debt collector and request proof. I have called them over a dozen times. I just get an answering service that asks me to leave a message, which I did. I have tried to research this company online and can find no info on them except complaints. They have no website. I am unable to clear this up and am certain that this is not my debt.
I did an assumption two years ago to take my ex husband off of the mortgage. Last year, my tax statements went to his new address. I called them and had it fixed. I just paid the mortgage off and was checking to see if my escrow payment was coming to me yet. I noticed they just changed my address to his new address. I know he just bought a house. Why does my accounts keep on being changed to his address? I dont understand because he longer had anything to do with that mortgage or with me. I do not want my tax statements going to him. I believe my escrow is coming to me because it was mailed before the address changed. There also might be an overpayment but I am not sure. I dont want that going to him either. 

How does this bank not have controls in place to avoid people changing addresses that are not on the account? This is how fraud happens and also people have privacy concerns too.
I have written XXXX XXXX on several occasions via certified registered mail requesting that they validate the alleged debut. XXXX XXXX has yet to supply me the information requested.I am an XXXX XXXX XXXX with the XXXX XXXX. I was XXXX with my platoon on XX/XX/XXXX and only return XX/XX/XXXX. How can I have signed a lease with XXXX XXXX apartments per the name listed on my credit report. I XXXX the company and filed a complaint via the XXXX XXXX XXXX via complaint number XXXX. I received the following email from the company 's contact persons by the name of XXXX XXXX. Stating she would make sure that the item was removed as she agrees with the documents submitted that this was an error on their parts.This was XX/XX/XXXX. Yet I am still seeing this item on my XXXX, XXXX, XXXX reports. Under the laws of the FDCPA, I have contacted the collection agency ( as well as the originator per my credit report ) myself and have been unable to get them to verify that this is indeed my debt. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and has surpassed the 30 day validation mark. I urge you to remove this item before I am forced to take legal action.So my question to XXXX, Transunion, and XXXX is " what was used to validate this debut in order to add this to my profile when the company is stating it should be there? '' I am giving you all 7 business days to remove this from my credit profile.
Online Information Services ( OIS ) first contacted me about an alleged debt that was owed. I responded to them within 30 days, disputing the debt. OIS even sent me a letter, stating that they received my letter. Nevertheless, OIS reported the debt to the credit reporting agencies. And, even though I disputed the debt, my credit report states " Dispute resolved ; customer disagrees. '' The dispute was definitely not resolved. Its misleading wording has led my credit report to list this as a negative factor in my nearly perfect credit score.

I called OIS ( a call which was recorded ) and stated that the information relayed to the credit reporting agencies was incorrect. They have refused to change the incorrect information. 

My understanding of the law is that if a debt is disputed within 30 days of the debt collector contacting me, the debt collector can not report the debt to the credit reporting agencies. Second, I also understand the law to state that if there is any incorrect information listed on my credit report, the debt collect must, by law, correct the incorrect information. 

I have attached a letter from OIS which proves that they received a letter from me, disputing the alleged debt.
I was shocked when I reviewed my credit report and found multiple of inaccuracies with the way this item is reporting on my credit. I was looking through my report and noticed a vehicle that was repossessed where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
A background check done by First Advantage lists a XXXX conviction I never got. I had been given a misdemeanor and only a misdemeanor. Not XXXX as listed. Reference # XXXX is incorrect and needs to be deleted. Reference # XXXX is the correct charge I received that day. Please correct immediately. County court XXXX in XXXX XXXX Tx is records.
Received a letter from XXXX XXXX XXXX : Current Creditor XXXX XXXX XXXX stating that I owe XXXX. They informed me that because the Law limits how long you can be sued on a debt XXXX XXXX XXXX will not sue me and will not report it to any credit reporting agency. So XXXX XXXX XXXX has placed this account with XXXX, they are asking for XXXX XXXX time payment and the matter will be closed. I am a XXXX employee whose data was hacked twice, This Debt is not mine.
I had a Home Equity Loan with Citizens Bank. This was paid off with about {$200.00} extra. 
I contacted Citizens and they said loan was not closed and property was still leaned. They said there would be a {$160.00} charge to record deed. They are claiming they never have been notified to close the loan. If you look at the " Principal Balance '' it is - {$200.00}. The " Total Balance '' is - {$45.00}, a difference of {$160.00}, which means they have their records mixed up. They took the {$160.00} but will not close the account, and issue a refund.
On XX/XX/XXXX I responded to a pre-selected application for an American Express credit card. I received a letter from American Express dated XX/XX/XXXX that informed me that my application could not approved as American Express had cancelled previous accounts. The letter further indicated that I was welcome to submit another application at a later date. The cancelled account to which American Express referenced was in XX/XX/XXXX and since that time I have paid all of my credit obligations on time and have a FICO credit score of XXXX. 
I responded with a letter dated XX/XX/XXXX in which I requested a copy of the company credit card policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. 
American Express replied with a form letter dated XX/XX/XXXX that failed to address my request for the company credit review policy. The letter simply re-stated the reason my application was declined. 
I responded with a letter dated XX/XX/XXXX specifically requesting a copy of the American Express credit review policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. I wanted to ascertain that the credit decision on my application was made in conformance with an established credit review policy and not an arbitrary, capricious decision based on age or race discrimination. 
The last letter from American Express dated XX/XX/XXXX again failed to address my request for a copy of the company credit review policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. I will accept the American Express decision to decline my application if the credit review policy indicates the period of time after an account has been cancelled is eleven years or more, since my account was cancelled ten years and ten months ago. The credit review process should be the same for all applicants regardless of age, race or religion and without providing a copy of the credit review policy it is impossible to ascertain that the policy is being uniformly and equitably applied. American Express in every letter indicated that a new application could be submitted at a later date but without indicating the period of time a new application could be submitted to receive favorable consideration the company may be using this as a method of surreptitious discrimination.
Hello : I have recently received a letter stating my loan was transferred to SPS ( and during a previous attempt to satisfy my XX/XX/XXXX payment via XXXX XXXX ). A fixed 20 year term XXXX Mortgage Loan. 
With a new loan Number within SPS of XXXX. 

My due date is the XXXX of each month and a grace period of fifteen days. 
At XXXX I contacted SPS and spoke with a representative, whom stated a payment by phone, online, and or mail will not be applied to the account until the eleventh of the month ( at the earliest ). Claiming our account information has not fully uploaded from XXXX XXXX to SPS, therefore any attempts to set up online, or a payment by phone is not an option. 
And if a payment is received, it will not be applied to the account until XX/XX/XXXX. 

Here are my concerns : We will continue to accrue daily interest, due to SPS not having the capability to upload any mortgage information, until the eleventh ( transfer date occurred on XXXX XXXX, 2016 ). 
When the representative was confronted of my concern, she responded by stating, SPS was in compliance of RESPA. 
QUESTIONS : Does the correspondence, advise the borrower of the delay to apply credit to the loan, ( I have read the correspondence and saw no verbiage )? 
Why would your system take eleven days to upload from XXXX to SPS? 
If there are system limitations, do you feel you have the opportunity to upload mortgage loan in increments? 
Is SPS in compliance of REG Z ( Are you back dating payments? ). 
What does RESPA have to do with the transfer of my loan? 

Overall, I feel this appears to be unfair and deceptive practices. 

As stated earlier, I am concerned due to SPS not having my loan information immediately after transferring the loan, I am negatively impacted with accrued interest. 
Sincerely, XXXX XXXX XXXX
I have an account listed on my XXXX and XXXX credit reports that lists XXXX XXXX as a creditor. They claim to have sold the debt to MSW Capital LLC, after numerous calls to MSW, they will not answer their phone and I do not see an email address to send email to. XXXX XXXX  will not allow me to make any payments to them, and MSW will not answer their phone. 

This should be removed from the credit report as it is very unprofessional and I believe the data to be inaccurate. They report to XXXX and XXXX with different data, and then nothing to XXXX. There should be consistency. Since there is not, it should be deleted as retroactively assessing negative information would be biased and unprofessional.