WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a Capital One Platinum XXXX XXXX for a few years now. I always receive a billing statement a few weeks prior to my payment date which is the XXXX of every month. 
I have been making all of my payments on time and more than minimum amount. I noticed that I did NOT receive a billing statement for the month of XXXX. I thought perhaps it may have been delayed and waited until the XXXX. I still had no billing statement by the XXXX so I called the customer service number on the back of my card. It took several minutes of navigating their answering service to finally speak to a customer service rep. When I finally connected with the person, I could barely understand him. It took me nearly 30 minutes to make him understand that I had NOT received a billing statement for XXXX. I told him I WANTED to pay my balance of around {$40.00} and offered to do it over the phone using my bank debit card. He stated that my type of account was not eligible for phone payment. He then put me on hold and returned saying that that Capital One would issue a new statement within 4 to 6 working days and would " consider '' waiving the late fee after my payment was made. As of this date, I still have NOT received an up to date billing statement from Capital One.
In  XXXX  of  2017, I was trying to refinance my house. Currently, my student loans through  XXXX  are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered my credit score and it is affecting me not being able to refinance. The way navient is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told ), it is making it look like I am way behind on payments. I do call   XXXX   in  XXXX  2017 and they said that is how it gets reported and there is nothing they can do. They have  also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.
Submitted a loan modification package to PNC XXXX XXXX, XXXX. This is a XXXX mortgage and can not be submitted through HLP. I have submitted three different packages to PNC and then on XXXX XXXX, XXXX I was advised I had been sending the wrong package that PNC Bank was not the same as PNC Mortgage. I requested the correct package be sent to me on the same day and now it is XXXX XXXX, XXXX and after 2 additional calls I still do not have a package. I spoke directly to the spoc and requested for a third time. This file has a hearing date coming up this month and the file is not even being reviewed supposedly because the correct loss mit package has n't been submitted
My mortgage originated with XXXX in around XXXX. It the went to XXXX XXXX and the servicers were XXXX, then XXXX and now Carrington Mortgage Services. During these shifts I was told I was behind, which I do not remember ever not paying my mortgage ; however, I did ask for a modification with XXXX and was declined. At that time XXXX XXXX XXXX took over, then when XXXX took it I was again told I was behind. Due to their aggressiveness I filed a chapter XXXX in XXXX, with no other credit issues but the mortgage. I filed with a lawyer who made a comedy of errors and I had to retain new council. I was given the wrong amount for payment for close to two years and was sending in an underpayment. The bankruptcy court alerted my attorney and we made a plan to make larger payments to put it back in correct status. XXXX and Carrington both had representatives who verbally told me the amounts sent in from the trustee were a mess and needed to be audited ( repeatedly ). It also appears to me the trustee failed to pay a note or more than one note, as one of the attornies in the trustee 's office was fired. 

While with XXXX, I asked for an accounting the rep told me an estimation, and I got the amount he gave of approximately {$2000.00} out of my XXXX to pay. He said they would do an audit and he estimated I would still owe approximately {$500.00}. It then went to Carrigington who gave me a bill for $ XXXX in XXXX or XXXX of XXXX which I paid. They then showed I didn't owe anything for several months when I looked on line, not sending me any statements. After a couple of months I started making payments by mail as they blocked me on line. I have no idea if their figures are correct, no one will give a full accounting for the life of the loan as I have requested from each of the servicers. I have tried to get information from Carrington including initiating a loss mitigation program with Carrington and that has failed. I have bills from Carrington which contradict each other in the amount I owe and I have received a foreclosure notice for a sale on XX/XX/XXXX. The problem is that I can not seem to determine what is actually owed on the mortgage to bring it current.
I called XXXX today ( X/XX/17 ) to report that a hard inquiry from them appeared on my Experian Credit Report since I have never had a XXXX XXXX account, nor did i ever inquire into getting one. I was passed along to 10 different departments in their fraud department where they determined I, in fact, had no accounts at XXXX in my name and they suggested I file a report here. I would like this hard inquiry removed from credit score ASAP. I 've attached a screenshot of the hard credit inquiry from XXXX XXXX AND XXXX which appeared that same month. XXXX XXXX was able to let me file a complaint through their website, but both should be removed from my credit score ASAP.
I have attempted on multiple occasions to correct an error on my Equifax credit report pertaining to a mortgage that was paid off XX/XX/2011 but is still listed on my credit report as an open account with a balance of {$440000.00}.
On XXXX/XXXX/2016 - I was retained by Notary on the XXXX, XXXX a vendor of Wells Fargo. I was retained to oversee the opening a safety deposit box at a Wells Fargo branch in XXXX XXXX, FL. Wells Fargo retained the professional services of XXXX to drill open the safety deposit box. Wells Fargo failed to ensure that its vendors operated in an ethical business manner. In conjunction with XXXX, Notary on the XXXX Wells Fargo is defrauding the public by failing to vet its vendors.
This complaint is about my credit score. The two companies are Transunion and XXXX. I have established and maintained outstanding credit for over 30 years. I 've paid off 8 houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems except one. I have and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are XXXX and XXXX respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to one of the companies today. I voiced my concerns. Number one, the person on the phone was unquilified and unable to help me get to the bottom of my complaint. Number two, I asked to speak to a supervisor but was refused. The refusal, I bilieve, was because the person on the other end of the phne was sitting in a call center in XXXX. The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.
XXXX said I owed a balance from an old bill and have been reporting me delinquent for over a year. They never contacted me to pay it. I think they should delete this from my credit and waive the charge for this inconvenience and wreck of my credit. The account number is XXXX and amount is XXXX.
Hello, I'm a victim of identity theft. I had 3 homes with Ocwen, They are in part responsible for helping the theifs and there illegal practices, the start of the theft was XXXX XXXX of XXXX My business huge warehouse or barn where I was selling my merchandise XXXX and XXXX then they took my email over my Morgage loan company Ocwen allow unauthorized people to add them self 's as an account managers who got my email and passwords changed my mailing address I moved in with my girlfriend put a change of address in the from me and locked me out, took me 6-7 months from around XX/XX/XXXX to XX/XX/XXXX finally got them off by then all was upside down I was about 15 years into the loan interest over 7 % Also I moved in with my Girlfriend. The thesis changed my mailing address from XXXX XXXX XXXX XXXX XXXX XXXX, to XXXX XXXX all the hard mail was diverted I did not get mail until XXXX the foreclosure on XXXX XXXX XXXX XXXX XXXX was done in XX/XX/XXXX I was in modification I called and was told to disregard the foreclosure started in XXXX and they finally finished in XXXX paid the 3 no just to find out a XXXX gallon that was have the cost of the home and payments where 25 less mean time my rental on XXXX XXXX XXXX ok was sold at auction and Ocwen subsidiary birth it back for XXXX the owed was XXXX they said it was abanded I had a renter in it never received one paper, My info was change I could have refined them i did not have leans or seconds it kept ms broke with foreclosures that are the 2 rentals my home at XXXX XXXX XXXX XXXX, ok just the other day was Refined took the home from XXXX to XXXX without a word or letter or nothing on my ruined credit with Ocwen hammering my credit score every month, XXXX my loan supervisor got me the letter that stated when the theirs where added, I could have saved all of it I had equity of XXXX all the homes in XXXX was getting ready to slow down what now? Thank you
Dear Officer : I am currently American Express credit card use, last month i tried to transfer my AmEx Membership reward into my airline membership account to redeem reward ticket, but it looks like they frozen my account, and says " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria ''. I called them later, but they do told me it will take some times. But i am waiting so long about it, i just use my credit card normally, i do not think i did anything improper. Because they frozen my account, the reward ticket was gone. It really made me annoyed and that is why i asked CFPB for help. Please help deal with issue, it really made inconvenience and annoyed.
About a year ago and a half i surrended voluntarily a car to First Bank of Puerto Rico inability to pay because I was in a lawsuit contesting paternity of a child under age XXXX it was discovered that was not my legal son and I had very many legal expenses, after having delivered the car to First Bank they sent me a letter charging me {$4.00} dollars because they sold the car at auction and what lost me were charging. 

A year and three months later the FB entered my checking account and they seized {$1.00} dollars without my autorization authorizing themselves without notifying me anything. At the time I thought it was fraud and when I went to the bank said it was time to hand over the car and that 's why they themselves appropriated money. 

First I have never authorized anyone to retire money from my account and there is also no statement yet against me where it is ordered seize money from my checking account
on XX/XX/XXXX my wallet was stolen and my chase debit and chase credit cards were used the same night it was stolen before i woke up. i recieved a txt alert from chase credit about the credit card being used and replied that it was not authorized. they also used my debit card with a chip for {$610.00}. that morning i reported it and chase replaced the funds into my acount. on XX/XX/XXXX chase took the {$610.00} dollars back out of my account reversing the claim. when i called chase about it they said there isnt enough evidence that i wasnt the one who used the card
On XXXX XXXX, I went to studentloans.gov to consolidate my loan. XXXX XXXX has already submitted the XXXX to XXXX and that loan has been consolidated. However, ACS Education is refusing to provide the XXXX ; therefore delaying the consolidation. It is supposed to take 30 days, and it has been way longer than that. This consolidation is necessary as it affects my debt to income ratio for qualifying for a mortgage. I am unable to get approved for a mortgage until they do. Is there anything that you can do to help me expedite this request.
I do not owe this debt because during this time my child had XXXX XXXX. Which means they shouldve filed with XXXX and we also had started Medicaid the following month. I feel they should file the insurance to get their money instead of waiting on coming after the parent ( me ) for this debt.
Chase Mortgage is reporting loan as Adverse on my credit bureau. I have been current for 7 years and I submitted a dispute with the credit bureau and Chase did not do change my loan to a positive status affecting my credit score. They have not updated my credit report since XXXX 2015.
I took out my first private loan with XXXX XXXX in XX/XX/XXXX. Since then I have taken out a large number of loans ending in XX/XX/XXXX. I have a balance over 100k which I do earnestly intend to pay off once I graduate with my XXXX and land a job. This past semester I finished my XXXX and have been accepted into the XXXX XXXX ( same school, XXXX University ) for the fall. I am currently enrolled and should be eligible for in-school deferment. Today I was told by a Navient representative ( XXXX XXXX moved my loans to its sister company ) that I am 1 month away from a 48 month limit on in-school deferment for private loans. The problem is that my Masters Promissory Note ( s ) does not have this agreement. The various notes that I signed state that I have indefinite deferment as long as I am in school. <P/>*Below I have attached a sample promissory note saved back in XX/XX/XXXX.
I believe this collection was placed on my XXXX credit file on XX/XX/XXXX in the amount of {$200.00}. I did not know about the negative entry on my file until on or around the end of XX/XX/XXXX when I sent ( via USPS ) a full validation request because I have never heard of this collection agency. I have never had any dealing with them, I have never received any mail from them ( until after my validation request ), I do not know or have I ever received any services from the listed original creditor and lastly, I do not have any contracts with either obligating me to any debt ( and to date they have not been able to provide any ). In addition all letters read as they are coming directly from the original creditor and re-direct you to contact them. ( ( See attached letters ).

I received two letters from this collection agency dated XX/XX/XXXX. ( Please note that we are in XX/XX/XXXX not XX/XX/XXXX ) and this is just a sloppy attempt to collect a debt and probably just revised form sent to me without a final quality control check ). One stating XXXX XXXX XXXX has conducted its own investigation and has determined the account is accurate and my responsibility. The other stating that an investigation between them and the original creditor is still ongoing. So which is it? How can one letter state that they have made a conclusion the debt is valid and the other state they are still investigating it. That makes no sense. That means they placed this erroneous and damaging information on my credit report before solely based on receiving misleading information from what source??? If they can provide proper validation in the reasonable amount of time I have given them ( 5 months ), then certainly I must assume they do not have any competent evidence or paperwork to substantiate this false claim. 

I received a 3rd and 4th letter ( separately ) once again stating they are still investigating the matter and another alleging they confirmed the debt but do not recall the dates because all of the letters are dated XX/XX/XXXX and I did not keep the envelopes they came in. 

I immediately followed-up with a second validation letter ( dated XX/XX/XXXX ) to inform them that they failed to validate the information and a request to explain the contradiction above. Since they saw fit to damage my credit, once again, they must have all of the proper information to collect any money from me. 

As stated in my validation letter, I have no recollection of receiving any services from the original creditor. In fact, I am very sure I have not. I do not live anywhere near the location of the original creditor so there would be no reason for me to render any services from them. 

To date I have not heard anything back from my 2nd request of validation, yet this information continues to damage my good credit.

I demand this agency cease collections immediate and remove this item from my credit if they can not validate the account properly.
After sending dispute letter in XX/XX/XXXX via certified mail to Experian regarding incorrect accounts and requesting validation I received a printout that stated they were verified. I requested a reinvestigation containing method of validation and account history including original signature in XX/XX/XXXX and still have not heard back. I tried to access my free credit report and Experian kept showing their website as having tech problems but when my prospective property manager requested access that I had to pay for then all of a sudden my report and score were quickly available. Upon reviewing the report I paid for and sent to property manager I see that every account that I requested reinvestigation was exactly the same as first request. There was no reinvestigation and I received no further information and Experian made it very difficult to get access to my credit report.
I currently have a second mortgage on my home that I have lived in for 17 years. XXXX PNC bank as far as I know still has my second mortgage that I currently pay on. 
I never receive any documentation from these people, no statements, I have no idea what I owe etc ... or if I 'm even in good standing. About a year ago I was going to refinance and noticed that they appeared on my credit report under bankruptcy, I called and left several message received no phone call back. I did not send in payment for a couple months in hopes this would prompt someone to call me back, instead they put me in pre forclosure over XXXX dollars which I then paid in full, since then not one source of documentation or communication. now I am going to attempt to refinance and they do n't even appear on my credit report at all.
Our mortgage was sold to Caliber Home Loans from XXXX. We were to begin making payments to Caliber. We authorized our first payment to Caliber to later find out that Caliber turned the payment over to XXXX to cover a past due payment. I called and questioned why the payment did not get credited to the account number and company that I authorized it to go to and was told that Caliber. After questioning serval for phone agents I did not recieve satification in their responses. Since the payment would not be credited to the account I began to apply for a modification because we would now be behind with Caliber. After submitting modification paper work I was told that I need a profit loss statement because I received a XXXXmisc at the end of the tax year. I explained that I did not have a company and worked as a testing administrator as needed. I was told to find one online and fill it out. I found a generic form and filled it out averaging the total for the year in 2 statements and submitted the forms. Still upset that the payment did not get credited as authorized I was then told that I need to resubmit forms with my signature.
XXXX XXXX XXXX have been re-aged repeatedly - see attached XXXX, XXXX, XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix this.
UMB Bank sent us an offer by mail of a {$75.00} gift card if we took a draw of at least {$7500.00} against our UltraEquity Line of Credit ( HELOC ) loan. After we did this within the terms of the offer, it has refused to honor the offer of the {$75.00} gift card. Each time that I have called about this matter, I receive a different excuse and no follow up. For example, when I called XX/XX/XXXX, I was told that it would be sent out XX/XX/XXXX. On XX/XX/XXXX, I was told that I received incorrect information and that I would be called back that day as to when I would receive it. However, there was no call back.
Wells Fargo has charged me over {$150.00} on overdraft fees when the cause the overdraft by reversing a credit that they have given me : Ref : XX/XX/19 for  {$120.00}. After giving me the credit, Wells Fargo again snatched back out of my account without warning - no heads-up no let just took my money and gave it to their merchant who was one of their banking clients. Just today, Wells Fargo charged me an overdraft fee of {$35.00} for a purchase I am unaware of : Posted Transactions XX/XX/19 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$27.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX {$35.00}. 

This is blatantly unfair that wells fargo do not have balanced their books properly or fail to do so ... .telling me that I have X number of dollars available and then sock me with an overdraft fee. The last four numbers of my non-profit business account Account number XXXX. Wells Fargo has unlawfully paid wrongly merchant approximately {$2000.00} over the last 2 years from my account. Please do your job and stop this thief bank from stealing money from me.
I discovered several accounts had been opened in my name with out my knowledge or consent. This XXXX in particular was with XXXX, I contacted them immediately through their online chat feature on or around XX/XX/XXXX and explained it was not my account, it was opened by my XXXX XXXX. They continued to try and keep the account active, and they stated it was paid in full and the XXXX month contract had been long since met, but would not give me exact dates. They also stated that I owed no monies & I said of course I do n't as I never opened the account, this is fraud and Identity Theft. Finally the CSR stated that it was indeed identity theft and services would be stopped immediately. 

Much to my surprise less then a week ago aroundXX/XX/XXXX, a collection account showed up on my credit report for XXXX by a debt collection company in the amount of {$300.00}. I was never contacted by mail or phone. This is the only bad debt or derogatory remark on any of my reports. It needs to be removed. Please help me, this truly is not my account. I believe this could be a mistake, but I also believe the credit collection agency did n't contact me at all because they know its fraud/identity theft and this is a way to bully me into paying for something that is not my responsibility. 

Here is the Collection agency info and how it appears on my credit report. 

Creditor Name SW CREDIT SYSTEMS L.P. 
Account No. 
XXXX Original Creditor XXXX XXXX XXXX Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date ReportedXX/XX/XXXX Remarks Placed for collection