WillisBack/dataset-financial-user-claim huggingface dataset:
Initially the loan was refinanced with wamu and the loan amount as of XXXX/XXXX/XXXX {>= $1,000,000} and this what was recorded. It was 4 % fixed and mortgage payment of {$4600.00} each month. Payment made on time from XXXX XXXX to XXXX. Chase bank purchased wamu and the loan converted to chase bank. I was paying same amount {$4600.00}. During this time I was applying for loan modification with chase processing. Chase offered 3 months trial payment for the total {$6000.00} starting XXXX/XXXX/XXXX for 3 months. Therefore the payments will be put into a separate account before a permanent modification. I paid each month {$6000.00} from XXXX to XXXX. In the month of XXXX XXXX chase offered permanent loan modification with the following terms new principal balance XXXX XXXX bearing interest balloon payment. There was no option for me to renegotiate the agreement or argue it with chase under writer conditions and I will be forced to foreclose on the property. I did not but I do believe this is unfair financial consumer protection issues. Chase unable to provide me with the details why did the loan amount from XXXX went up to XXXX And I have to pay XXXX for the bearing interest balance. 
Here is the breakdown of the original loan amount. 
As of XXXX/XXXX/XXXX the loan was refinanced by WAMU bank for 30 year fixed at XXXX. I paid every month payment agreed {$4600.00}. Chase offered trial payment XXXX payment of XXXX per month. I paid on time up till XXXX. XXXX Chase offered permanent loan modification but the amount on the loan document did not match the original loan balance XXXX minus the payments that was paid from XXXX, XXXX, XXXX, XXXX, and for XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. Therefore I was not able to discuss the outcome and forced if not signed I loose the home.
On XX/XX/XXXX or XX/XX/XXXX I call because I had a issues on my account. The lady fix the problem and then ask me did " I want to pay my bill over the phone '' and I said I will pay it online. so as soon as I got off the phone I went online to pay my credit card bill on bank of america site and it said I owe XXXX dollars so I paid XXXX dollars. My payment was submitted and was approved by the bank. Next thing I know I tried to use the card and I was not able to use it. I called bank of america and ever person of ( BOA ) give me different answers. One said They owe you XXXX dollars I said why can't use my card? Then somebody said you owe them XXXX dollars. I said the system told me XXXX dollars but I paid XXXX. Another time I was not able to pay my bill online because they block me from paying it and I could not pay it over the phone so I had to do a XXXX   report just to get them to fix the problem. Another problem I had with was their online payment site is wrong from time to time. THE SITE said I needed to paid a late in XX/XX/XXXX or XX/XX/XXXX. They told me '' I can't see what you are talk about because we don't have the same system but on my system it showing you don't have a late fee. '' Well my system is showing a late fee. Can you have someone call me from the technical department '' I will ''. No one called me back.
I had a Bank of America credit card for about 10 years. The account is now closed and the balance is XXXX. The credit reporting agencies are reporting different information about the account. XXXX reports a 30-day late payment in XXXX 2011 but on time payment in XXXX. XXXX reports a 30-day late payment in XXXX 2011, but an on-time payment in XXXX 2011. I have written to BOA XXXX times to try and resolve this, have submitted inquiries to XXXX and XXXX. No results. Somebody has it wrong -- I want BOA to stop reporting the account altogether since they ca n't get their records straight.
Collection agency LJ Ross reported my PAID medical debt after the account was closed and totally blew up my Credit Report - XXXX The accounts were paid in XXXX 2016 - LJ Ross reported accounts in duplicate and reported them as PAID in XXXX but listed them anyway???
Hi, I have made several attempts to resolve this inquiry issue with the customer service reps at experian and they have refused to help me remove these negative inquiries. 
This is a list of the fraudulent inquiries 1. XXXX 2.XXXX XXXX 3.XXXX 4XXXX XXXX XXXX 5.XXXX 6.XXXX XXXX XXXX 7XXXX 8XXXX 9.XXXX XXXX XXXX 10.XXXX 11.XXXX 12. XXXX XXXX XXXX XXXX
My Issue is with Bank of America Mortgage ( BOA ), I closed on this loan on XX/XX/2018 and I have contacted BOA on several occasions requesting that they notify the credit report agencies to notify to them that my account has been Paid and report account is in a Closed status. I only received mail correspondence from BOA stating account is paid in full effective XX/XX/2018 and that BOA do NOT notify credit report agencies of account status only negative reporting is sent to credit report agencies.
XXXX XXXX XXXX Closed arbitrarily 2 different credit card accounts, I have had my account open for 7 years, never miss a payment ( i pay my balance every month ), I have a XXXX credit and use around 10k in purchases a month. 
I got a letter that my account is going to be close in 30 days, I called to get a reason and could not give me a reason, I ask if it was my credit score ( my score is 700+ ) and they say it was not my credit score but they will not give the reason because is confidential, I ask to giver me a reason im afraid that maybe im a victim of identity theft. 
They will not giver me any reason, Im afraid they is discrimination because Im a XXXX I don't see any other reason never had any bank issue. 
Im looking at a Reason that they should give me if they decided to close my accounts. 
One account is personal and then other is a business account, they canceled mine but not my business partner that is not XXXX.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and amended H.R. 5282 you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

You did not provide Verifiable Proof ( an original Consumer Contract with my Signature on it ) of documents you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. H.R. 5282 is clear and consumer is prepared to pursue injunctive relief and other damages in the United States District Court for the XXXX XXXX of XXXX. 

My first letter to you dated XXXX XXXX, XXXX, included a dispute of the listed creditor below. 

1. XXXX XXXX XXXX, XXXX # XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX Reason for Deletion Failure to investigate and/or verify the disputed account within the allotted time period under FCRA XXXX you must delete the disputed item in accord to 15 U.S. Code 1681i ( a ) ( 5 ). Violation of House Resolution - H.R. 5282, Title IV - SEC 402. 

In-accuracy still exists - example : a credit item ca n't be late if there 's no balance due or a non-existence of an account ca n't be late if nothing is owed. The allege creditor is owed nothing. I am requesting a deletion. The allotted time to provide contractual proof of the account has passed under FCRA, you must delete the disputed item in accord to 15 U.S. Code 1681i ( a ) ( 5 ). The right to post negative information must have standing. You failed to provide documentation that proved the item is accurate. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ( 5 ) ], these disputed items must be deleted from my credit record within 30 days, which has passed. Any attempt to misrepresent the matter is a violation of Georgia O.C.G.A 10-1-372 ( ARTICLE 15 - DECEPTIVE OR UNFAIR PRACTICES ) and is a violation of the Federal Trade Commission Act. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed in this complaint. 

Additionally, Documents were sent to you of investigations completed by the Allege Creditors in XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, which states that the items should be removed. Please see attached.
Nelnet has been double reporting my accounts for months. I have reached out and asked them to tell me which two of the four accounts they are reporting are correct. I have asked them to tell me what other loans are consolidated into the accounts that I have with them. They keep refusing to do this. And they did a hard pull on my reports when I complained, even though I have provided them proof of their incorrect reportings. Since I supplied them with the account numbers they are reporting at each bureau all I have gotten back is nonspecific form letters where they say they refuse to investigate it further. They are hindering my ability to obtain the credit I need by their lack of proper reporting.
I have a Macy 's store card. I used the Macy 's site, well the CitiBank site who provides the card, to pay the full balance on the card. After paying the balance in full, Citi charged an additional fee. That fee rolled over into the next month generating an additional fee for having an unpaid balance. 

Essentially I used Citi 's tools to pay the full balance on the card and I was later charged another fee. I was not told of the fee and that fee rolled into the next month generating another fee.
On XX/XX/2018, I sent a set of QWR Demands to Real Time Resolutions ( RTR ). RTR has not responded to my request by sending the documents to my home address. RTR claims they sent the documents to a separate party in Oregon. Since the accounting and ownership rights to the debt are in question, the documents requested within the QWR are relevant.

Once the loan in question was transferred to RTR, I filed written complaints, demanding explanations relevant to the holder of our mortgage note and Deed of Trust. RTR still has pending responses which specifically related to our questioning the affidavit of sale and or assignments of custodial servicing rights to RTR. RTR was also served with a qualified written request ( QWR ) under the RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ).

Since RTR acts as both a loan servicer and debt collector under CA law, I am seeking your  assistance on this matter. You can reach me at XXXX or XXXX.
I have a deed of trust been service by XXXX and the investor XXXX XXXX around XXXX 2016 XXXX informed me the deed of trust it will be transfer to Nationstar Mortgage, This suddenly transferring of the Service it sounds to me a bit strange. When I started to ask XXXX for the XXXX payments I did on the deed of trust did n't reflect the correct balance. So I did send A QWR to XXXX Mortgage and Nationstar Mortgage dated as XXXX XXXX 2016 thru XXXX mail, XXXX answered it partially However Nationstar advised me on a letter they will have a full Answer by XXXX XXXX 2016.However up to date I have n't received anything on regards which it makes Nationstart Mortgage violated under RESPA due to the servicer 's noncompliance I 'm entitle to damages not to exceed {$2000.00}. I received instead from Nationstar Mortgage an Monthly Payment statement for the Month of XXXX demanding payments for XXXX and XXXX 2016, I called Nationstart I spoke with a Supervisor name XXXX employer id XXXX I asked her about this How come Nationstar Mortgage does n't answer my QWR and instead after the deed of trust got transferred from XXXX to them " You are demanding payment I was not aware for the month of XXXX 2016 '' .She could n't answer me. I made aware her to note it my account I will make payment for the month of XXXX forward which I did it also I will make for the month of XXXX which I already made.However NationStar have chose to keep ignoring my QWR and instead they sent me XXXX letters XXXX from XXXX XXXX and another XXXX from XXXX XXXX thru certified mail demanding payment for the month of XXXX and XXXX called Nationstar Mortgage I demanded to speak with a Manager on this matter I spoke with XXXX XXXX whom asked me to have payment proof for the month of XXXX 2016, I told him first Nationstar Mortgage need to answer my QWR and its already violating for non compliance and I been owed by them {$2000.00} also I told him he needs to put a note on my account I would report this matter to the CFPB and I would add another violations done by this Alleged servicer as Unjust Enrichment, Assigning themselves the title of Servicer, '' servicing the deed of Trust instead to be assigned by the investor XXXX XXXX. 
I have to noted for the record I 'm attaching an email received from XXXX XXXX the investor as XXXX XXXX 2016 showing XXXX XXXX as my current Servicer and not as Nationstar Mortgage has been stated on the letters before Affirming they are the Current servicer on this deed of trust having these type of contradictory documents I can assume I been mislead and fraud on this deed of Trust by XXXX XXXX and Nationstart Mortgage. I would like to have a US Regulator to look into my matter and to stop any late charges or report of any credit on this deed of trust to credit the agencies until it gets clear.
I have been having a major problem with wells fargo auto dealership for a while, first started with the forcing me to buy their insurance, then charging me for insurance through the last over payment that I paid on the XX/XX/XXXX. Forcing 30 to 60 days lates on my credit report for the last 36 month. also when I asked about all of the 30 day lates, and 60 days they claim an internal processing error. we can all hide behind that excuse. 
I have all of my records showing that I have paid them over {$50.00}. Just last month in XX/XX/XXXX, and this month  in XX/XX/XXXX they are reporting 30 days lates, I paid them. They are destroying credit report, I am trying to find employment. please remove those lates on my credit report. and send me my car title. 
wells fargo said I owed them XXXX I send them a {$100.00}, the very next month they reported that I owe them another {$75.00} I owe them nothing. 
something needs to be done about this company and all of their corruption that has been taking place. where is the us government at with all of the XXXX from this company.
My checking account at SunTrust Bank was closed without notice ( no call, email, letter ) and I was locked out of my account with online access. After multiple ( & gt ; XXXX calls ) over 2 weeks to try and resolve the issue and to find out where my disbursement check of greater than $ 5k was, I was given vague answers and no definitive date of when I 'd receive my check for the balance of the account. SunTrust is well known ( online searches ) for this type of poor customer service and lack of transparency with account closures. Please send the balance of my account to the address on file.
My XXXX XXXX XXXX credit card was use I try many times to file a dispute with my bank and my claim got denied. I have filed police report XXXX and I was not aware of the charges made on my XXXX credit card and I did not authorize the purchase on my account. I also have 8 hard inquiries that Im unaware of as well and I have no knowledge of the information use to untainted credit use of my personal information. I am requesting that all 8 hard inquiries be removed from my credit report for all 3 credit bureaus XXXX XXXX and XXXX
My corporate account as majority owner was closed by a bookkeeper withdrew approx  XXXX  from   XXXX   XXXX     XXXX  NY put stop payments on multitude of checks and rewrote them after depositing $ $ into a new account in  XXXX  MA BOA without my name and under a fictitious EIN from another state. Later personal accounts at BOA were attacked with my addresses being changed so as I would not receive statements. And my name removed as signer on a personal joint checking. My identity completely stolen. Will never be regained. Further on my corporate CC was separated from the pack and  BOA  discharged my balance off to my personal. This is a second attempt as  BOA  should have an open investigation but nothing heard. More than likely it went in the trash.  BOA   XXXX  is a corrupt institution like I 've never seen before.
I'm set up with automatic payments. Each month, the payments go to the wrong accounts ( I have no control-they apply the payments ). My credit report is showing one account is horribly past due, yet when I call, they tell me that it's fine. This is also affecting my mother 's credit ( my cosigner ). She has also called & been told that everything is current.
I received a collection letter from XXXX in XXXX 2016 about a Bank of America account. This was my first time hearing of this so I asked them to verify the account. The information sent to me did not verify the account as there was activity on my account in years in which I was not in the US and I did not authorize any accounts. I did not hear back from them again and called them back this week. I was advised that the account was sent back to Bank of America as they were not able to verify the account. I followed up with Bank of America and the agent was not able to confirm this account and provided a different account. However, Bank of America continues to report this on my credit report in violation of credit reporting laws despite multiple attempts. I am requesting that they remove this reporting whilst they investigate this and advise me immediately of their findings.
Asset Acceptance LLC continue taking a debt to court on a debt that I do not owe. I want this company to stop their unfair debt collection practice. They claim I owe over {$8000.00} but I have no receive any documentation or any prior notices. I receive a claim that was introduce in court. This company needs to stop targeting accounts that either do n't exist or are way pass the statue of limitations,
Bought American Express Bluebird card XX/XX/2016 @ XXXX. Amount deposited to card {$10000.00}. Spend {$14.00} and {$2.00} on temporary card. Received/activated new card, but did not " link '' temp card # to new card. Have unused balance of {$82.00}. Am Ex will not transfer amount of {$82.00} to activated card because I can not give them either temp card # or code from pack. I shredded those upon activating new card. XXXX gave me printout of transaction, but Am Ex insists can not trace temp card without card # or code. Please note they have my entire profile on file to go by that. Surely I am not the only senior citizen to have neglected to link the two cards. Is this a scam?
Transunion is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Transunion in the form of copies of US Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus which Transunion admitted receiving XXXX/XXXX/XXXX. The later complaint to Transunion and earlier complain to XXXX specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Transunion, I certified that XXXX had not responded to me within the required 30 days after XXXX 's proof of receipt XXXX/XXXX/XXXX. Transunion then ignored this documentary evidence and used the repeated false electronic reporting from XXXX to " verify '' the false information in their Transunion XXXX/XXXX/XXXX report update. Transunion failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Transunion on the matter, a Transunion supervisor confirmed that Transunion is using an electronic " update '' from XXXX as verification and ignored documentary evidence from me that they admitted receiving XXXX/XXXX/XXXX. This Transunion XXXX went on to say there was no requirement in the FCRA for the original creditor to respond to the debtor [ sic ], and that the electronic verification Transunion received on XXXX/XXXX/XXXX was all Transunion needed to " verify '' the false information. I believe this is a violation of the FCRA because the XXXX/XXXX/XXXX " update '' from Navient does not contain any documentary evidence that Transunion or XXXX has or can provide to me, and XXXX/XXXX/XXXX is almost a full month beyond the FCRA 30 day required time period for a response from the XXXX/XXXX/XXXX receipt of certified notice of dispute.
Hi, I signed up in XX/XX/XXXX a credit card promotion with TD Bank, N.A ( XXXXXX/XX/XXXX ) at XXXX XXXX XXXX branch, XXXX NY. The offer was XXXX XXXX offer : Customer must open a new TD Cash Credit Card Account between XX/XX/XXXX-XX/XX/XXXX, and spend {$500.00} in total net eligible purchases within 90 days of the Account opening date to receive a one-time bonus offer of XXXX Bonus Points, which can be redeemed for {$150.00} Cash Back, as well as a 1st generation XXXX XXXXXXXX XXXX , and a 1st generation XXXX XXXX XXXX    XXXX ''. However, the XXXX XXXX XXXX XXXX I received on XX/XX/, was opened and seemed to be used before and not able to power on. Therefore, I immediately contacted with TD Bank, and they told to contact with XXXX. However, XXXX was unable to help since the device was not purchased from XXXX or authorized retailers. Thus, I believe that TD bank has not fulfilled originally stated promotion that I signed up.
I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family. I have made countless attempts and Do n't know what to do.
I sent XXXX XXXX a debt validation letter on XXXX XX/XX/2018 and they still have not responded or taken this account that off of my credit report.
1 ) My XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be.

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all 3 bureaus.

3 ) My XXXX XXXX Credit Card does not show up on my XXXX report but shows on XXXX & Experian.
I went to the Citizens Bank branch to pay my home equity loan in person. i pay in person each month. I arrived on XXXX XXXX and was told they could not take my payment because the computer was down. I begged them to hold my check and process it the next day but they refused to do so ( i was told they had nowhere safe to keep it overnight ). I returned on XXXX XXXX and was told i was to be charged a late fee. They also told me to mail my payment instead of coming in personally ( as a customer, i find that insulting ).