WillisBack/dataset-financial-user-claim huggingface dataset:
First, my home mortgage was involuntarily by XXXX XXXX XXXX to Nationstar Mortgage. 
Nationstar Mortgage has no convenient payment methods available to their customers without a fee and they are located out of Illinois, where I reside. I made my monthly payments. After making my XXXX payment, I received a letter and a notice for a certified letter from Nationstar Mortgage. The letter stated that I was two ( 2 ) months past due and that I owed a total of nearly {$2500.00}. Well, after seeing this I went to the online account information and discovered that my monthly mortgage payment had increased in XXXX 2015 to {$1000.00} and some odd cents. In XXXX I had sent my normal payment of {$840.00}. I called them right away to find out how they could be missing my payment when I had proof that the {$840.00} was withdrawn from my account. I was then informed that my account was short {$210.00}. 12 and that 's why they had n't applied it to my mortgage payment. Customer Service explained that they held the payment and they were trying to contact me. I have my number on file my email address on file and I receive mail at my home and my mailing address and it took them over 30 days to notify me my account was missing two ( 2 ) increased payments. I immediately contacted XXXX XXXX because I was already nearly {$2500.00} dollars delinquent and it was already the end of XXXX. 
When I got my member file together and spoke to a XXXX representative, the representative listened to my story and contacted Nationstar to try and clarify why the monthly mortgage payment had increased. She discovered that my Escrow had increased. Well, this was surprising because my property taxes had decreased for this year. I think the insurance payment remained the same. I telephoned the Nationstar Escrow department and I was told that XXXX XXXX XXXX allows a Mortgage Loan client to have a negative Escrow balance and that they passed off the loan from XXXX XXXX XXXX with a negative Escrow balance, but Nationstar does not allow for a negative Escrow balance. Well, again my loan has been caught in a trick bag. Nationstar, also reports that the loan in ineligible to drop the PMI because my payments have been more that 30 days late. All of this has been error after error by XXXX and Nationstar. These mortgage lendors are dealing in unscrupulous practices that need to be investigated.
Submitted a claim with you against XXXX XXXX on XX/XX/18 and the case number was XXXX. Your statement said it was closed with feedback and yet it still shows this act is open and still owed on my credit reports. It was paid on XX/XX/18, with no balance. Please let me know how this can be removed once and for all from my credit reports. Thank you
Purchased a timeshare with XXXX XXXX and the sales representatives overstated the income. Unkowningly to the client, the sales representative added the income of each spouse to the individual credit card application, overstating each applicants annual gross income by approximately {$50000.00}. The entire purchase transacations was then chanrge to XXXX cards opened up that day.
Cash Central of Utah XXXX Utah XXXX XXXX Gave an unknown person a loan in my name. I.D . Fraud No. number XXXX
I was extended {$1000.00} credit from XXXX XXXX/Care Credit formerly XXXX XXXX for dental work. If the debt was paid within a year, no interest would be applied. First {$84.00} payment was due in XX/XX/XXXX. I made 7 consecutive payments of {$84.00} before I noticed that my account was not being credited. On my mobile device I could see the {$84.00} payments were in pending mode and on my PC there was no activity showing at all. I called Synchrony and complained. I was told that it would be investigated and rectified shortly thereafter. My first seven payments totaled {$580.00} with {$410.00} outstanding. I was promised at least a dozens times that it would be fixed. I paid a total of {$1200.00} that was never credited, even though my XXXX bank account was verify-ably debited. Synchrony never helped me and eventually charged off the account. They sold it to a collection agency called XXXX XXXX XXXX. I was able to speak with XXXX at XXXX XXXX XXXX, who said they would investigate my complaint. On my credit report there is a payment grid with 27 OK payments with no amounts in the OK area. This is a totally messed up situation. My credit has been ruined by XXXX XXXX/Care Credit and XXXX XXXX XXXX for a debt I paid. Thank you.
The lady called asking for XXXX XXXX. When I told her she had the wrong number she continued to ask me questions. I told her that he was my ex husband and I have no contact with him and asked for her not to call. She then began to ask if I had children. I replied and told her that was none of her business. She then told he I was being rude so she would continue to call me everyday because I was rude and would not remove my number.
I submit a dispute to Experian, and advise them that a negative account is being reported twice. I have tried on 2 occasion to try and resolve this issue with Experian customer service which has meet with negative results. 

As a result I have been unable to find housing due to having this issue on my report.
they are reporting a collections and negative account on my transunion credit report that does not belong to me this account and balance are not mine and they were to removed these from my credit reports months ago please remove this incorrect information
I was shopping at a XXXX  XXXX  store in XXXX, CA on XX/XX/XXXX evening. Then I remembered I should update my address on my XXXX  XXXX  credit card. So, I went to the front desk and asked for address to be changed. Store personnel asked for SSN to look me up. Then she applied for a new card without my knowing while lying to me that if I update my address I will receive a new spare card as well. That sounded odd and then she continued to print me a card receipt all of a sudden. I should have caught on to her act when the screen asked for my income, but she kept saying I had to update all my information. It appeared she thought I wouldn't understand the situation as she most likely assumed English was not my first language. Now I have 2 XXXX  XXXX  cards in my hand and this is all just upsetting how blantantly unethical clerk was as well as a store manager who didn't seem to believe me.
I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX   altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.
This complaint is more of a good faith issue to remove harmful derogatory from my credit file. I have repeatedly as the collection agency to remove the harmful because the debt has been paid. I then called them and asked for the removal. The company was so negative and refused to help. This would help with the purchase of a new home if this collection agency can be removed.
Please help! I have been trying to dispute hard inquiries on my credit report that I did not authorize and also XXXX collection accounts that I asked for verification. Below are the dates and number of disputes. I have also tried to call and get help over the phone for the agent to tell me no to every question I had. Also I requested to take a survey however I was hung up on and not connected to the survey. These unauthorized inquires are causing me issues with moving forward in like. 

Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Viewed XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Viewed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Expired
XXXX fraudulent charges were processed by Citi Cards for {$100.00} per charge from XXXX XXXX XXXX XXXX. They initially credit my account, however after the merchant provided illegible documentation the reprocessed the charges even though i timely provided certification that neither I nor anyone authorized by me made the disputed charges. They further threatened to notify the credit reporting agencies that my account is past due if i did not pay the amount.
I received a letter from  Chase  stating that they lowered my available balances on my credit cards from  XXXX  to  XXXX  on my  XXXX   XXXX   MasterCard  and from  XXXX  to  XXXX  on my  Amazon MasterCard.  They cited other accounts that have nothing to do with my great standing with Chase. I worked at length to pay down my balances and I 've never been late on my payments and always maintained a quality relationship. My financial due diligence with them was rewarded with decreased available credit. Had I known this would happen for paying my account on time I would have simply kept the  XXXX  balance and not worked so hard to pay this card down.
XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to equifax, XXXX  and XXXX for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities
Following the receipt of my credit report late last year from the XXXX, XXXX and XXXX consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors.I never had two separate student loans.  Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely confirmed the accounts.  I complained to the creditors about the duplicate reporting - in writing - and even completed disputes with the credit reporting agencies.  They were also ignored with no explanation whatsoever.   Once again - I never maintained two separate student loan accounts.  This companies ignored my concerns despite evidence to the contrary and complaints to the XXXX, XXXX and XXXX consumer credit reporting agencies.  My FICO credit scores have been severely impacted as these separate accounts report as collection entries.   I now file my complaint to the CFPB seeking relief.
I CAN NOT CURRENTLY WORKING DUE TO XXXX WHICH I HAVE BEEN FACING FOR OVER 3 YEARS. ALL STUDENT LOANS SHOULD HAVE BEEN DISCHRAGED THROUGH NELNET AS I HAVE ALREADY COMPLETED MY 3 YEAR WAITING PERIOD. THERE ARE STILL NEGATIVE STUDENT LOANS REPORTING ON MY CREDIT REPORTS
in XXXX of this year, I have a copy of a letter from XXXX XXXX addressed to Transunion that they requested the removal of incorrect/fraudulent applications that were made in my name for credit/store cards with the following, XXXX, XXXX, XXXX. I have today obtained an updated copy of my credit report dated X/XX/2017 from XXXX creditwise services to find that despite, me informing Transunion that I was a victim of fraud and that various attempts to apply for credit in my name was fraudulent. As of todays date Transunion still hold these searches on my report, which reflect negatively on my report. Transunion were already contacted in May! so almost 3 months ago from XXXX XXXX to say that they have requested transunion remove these searches from my credit file. Today my transunion report reads XXXX XXXX 2017 applied for a credit card with XXXX/XXXX XXXX XXXX applied for a credit card with XXXX/XXXX XXXX XXXX applied for a credit card with XXXX/XXXX WHY are this incorrect information STILL on my credit report?????!!! They were informed by me and by the bank they was fraudulent. Yet this incompetent company still holds incorrect information regarding me.
The bank deducted over draft fees when the money was in there to cover the checks that came thru. 
They had the nerve to prdate the fees to when the check actually came in. 
This is more than deceitful but crocked!! 
I wonder just how may people they do this to every day??
I currently hold a credit card with XXXX XXXX XXXX, which offers a maximum available credit balance of {$800.00}. Previously, I held a debt with this card of over {$790.00} ; however, I have paid the credit card down to {$280.00} a while ago. Thus, XXXX XXXX XXXX has not reported this correct balance on my credit reports, which reflects my credit card utilization ratio.
For over 60 days Pioneer Credit, XXXX, has been calling my cell phone asking for a person named XXXX. I am not XXXX. I am a man. I have repeatedly asked them not to call my cell phone and that I am not XXXX. They then have told me they are attempting to collect a date in XXXX XXXX 's name. I do not believe they are even allowed to tell me someone 's first & last name, are they? In addition, their phone calls have not ceased. I would like to file a formal complaint against this company. If I ever had a collection I would not want a company calling random people telling everyone I had a collection. Is n't this personal information and why wo n't they stop calling me?
For all three credit bureaus, my 8 active loans with XXXX XXXX XXXX/XXXX are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XX/XX/XXXX, XX/XX/XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that XXXX has to update the information. When contacting XXXX, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.
Was diagnosed with XXXX during the 4th year of XXXX school. Had to get treatment. Could not repay loan during this time. No assistance was offered from the lender regarding interest rate reduction or deferment. The lender only offered to charge interest-only ( $ XXXX/month ) for a year. Interest accrued at a high rate, effectively doubling the total cost of the loan.
Ref Case number : XXXX Again unfortunately, the representative of US Bank did not address my complaint accurately and did not explain why the loan officer or the loan processor communicated for the additional information and clarification they need. I received only two calls and most of the time I was chasing US Bank asking if they need additional information or clarifications regarding this loan. 
In addition, I asked to close my checking account ; I deposited {$25.00} per the loan officer recommendation. Why I am receiving back only {$5.00}? see attached file As I mentioned in my previous complaint as a buyer, I can not recover from this failed transaction. 
the seller put this special house right back on the market and immediately was sold.
For the last 14 years ( XX/XX/XXXX) Portfolio Recovery has been calling and sending collection Notices for a XXXX XXXX XXXX bill {$1200.00} from XX/XX/XXXX when I lost my house in foreclosure. I talked to them for many years explaining the bill went with the foreclosure on the house in XX/XX/XXXX. I moved to XXXX XXXX XXXX lived there for 10 years and they kept calling the house phone at my parents house and my cell phone. The kept insisting on multiple calls all times of the day and night. The also sent letters to my parents house. Every time I would answer and my dad would tell them the same thing. That the bill was from XX/XX/XXXX and went with the foreclosure on the house. I had a break from the calls recently because I changed my cell phone number and house number for the 10th time in 14 years. I spoke with someone Tuesday and told them the same thing I have been telling them for the last 14 years. So tonight XXXX XXXX  XX/XX/XXXX I got a phone call again from Portfolio Recovery spoke with XXXX XXXX and they are wanting to put it on my credit report and wanting to sue me for the bill from 14 years ago. The last 2 times I told them to stop harassing me with these phone calls about a bill from 14 years ago or I would contact a lawyer. I would like this harassment to stop because one it is from the last 14 years and statue of collecting the debt was only 4-6 years in Pennsylvania.
XXXX XXXX XXXX company put {$26.00} collection account on my credit report without contacting me, or giving any notice or invoice, 4 months after I closed account and paid it in full. After I closed account in XX/XX/XXXX, for few months I called every month asking what is my final bill is, they could not tell me because they " did not read the meter yet ''! Finally, XX/XX/XXXX I called and they told me I owe {$28.00} outstanding. I paid the {$28.00} immediately. I never received any bills or notices that I have any more outstanding balances. All my mail was duly forwarded. Then all of a sudden XX/XX/XXXX i saw a " collection account '' from XXXX XXXX for {$26.00} on my credit report! For 10 months now I am trying to get it resolved thru Experian Credit Agency. I submitted dispute. After 30 days they informed me that " they verified the account ''. No additional information was provided as to exactly what information was verified and by which documents it was verified. When I tried to dispute their " investigation report '' they said this account was already investigated once and refused to make any further investigation into this dispute.
I received a phone call from this company on XXXX and I asked for a validation of debt letter, they claim to have sent it out on XXXX, which I have not seen. Now on XXXX, they proceeded to call my employer. Someone answered the phone at my work place and transferred the call to me. I answered and repeatedly said hello, hello. I then took my cell phone out, excused myself outside in the hallway and called the number that was calling me. XXXX and spoke with a lady, she told me she was calling about a debt and I told her I have no knowledge of the debt. I immediately told her to please remove my employers number from there listing as they are not allowed to call my employer. She totally ignored me and continued talking about the debt, I then told her, I requested that they send me a validation letter and I have yet to see it. She said they mailed it out and I said I have not received anything and will they either re-send it out, and I even offered to give them my email address for faster delivery. she refused, but said they would be send out another letter. We discontinued the conversation. I thought about it and immediately redialed her number and to make sure that she understood they are not allowed to call my employer. She proceeded to tell me they would be calling wherever the XXXX they wanted until they get this resolved. I then said, well I know the law and I know my rights and I am asking you to please remove my employers numbers and not to call here as they will make me lose my job, she screamed at me and said well if you know the XXXX law well put it in writing. I came back to my desk and researched the number on google and nothing came up. I then called back and asked what was the name of the collection agency and they responded XXXX. I asked for the address and they hung up in my face.
I keep receiving phone calls from an XXXX XXXX who asks me to call him back regarding some XXXX account. He says he is from P & B Capital Group but when you call the number provided back it 's a generic recording that says you reached the office of XXXX XXXX and to leave a message. If this is a legitimate debt then XXXX XXXX needs to mail a letter verifying the debt and stop harassing me and my family. He called my elderly grandmother demanding to speak to me and was super rude when she told him I was n't there. This man has no business calling ANYONE related to me or associated with me. He is super rude and confrontational and I googled his phone number and name and I read more than XXXX comments from people saying the same thing, that he is rude and confrontational. He acts as if you owe him money personally or something.
I saw a collection from Receivable Management on my credit report. It doesn't state who the original creditor is. I don't have any outstanding debt. 
This agency never contacted me or anything. They just put this on my credit. I disputed it with them and requested for them to remove it from my credit. They never responded. I also requested in writing for them to validate that I owe this account and the original creditor. They just ignore me, but they continue to report it on my credit Receivable Management is not licensed or bonded to collect in my state
On XX/XX/XXXX I notified XXXX, Trans Union and XXXX  of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of XX/XX/XXXX.