WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I sent XXXX a validation letter for 2 accounts RE : # 1 Account # : XXXX # 2 Account # : XXXX They failed to validate both of these accounts. # 1 Account # : XXXX they failed to send valid proof for this and for # 2 Account # XXXX they never even responded but continue to report this account to my credit file even though it has been past 30 days. As well as verified the account with the credit bureaus.
Wells Fargo has not responded any further in regards to the investigation as to why they are still reporting a debt on my credit report that's more than 7 years old.
I mailed a check for {$7200.00} and my Bank   XXXX   XXXX    mailed a copy of the check to Bank of America for payment of balance due on my checking account. My payment has n't been credited to my closed checking account with Bank of America.
I am a XXXX of XXXX University. XXXX of the XXXX Colleges. I did receive a relief of my student loan that I took out with Genesis Lending in 2012. They made me take out an additional loan in order for me to graduate. Please can you assist in this matter.
I pulled my Credit Report and notice their was some fraudulent activity on my file. I filed a police report in on XXXX XXXX, 2017 and an investigation began for Identity Theft. I called on XXXX, XXXX, Equifax and they placed a 90 day alert on my file. Each credit bureau assured me that once I send over the police report ; the 90 day alert will be change to a 7 year alert and all hard inquires and negative accounts will be removed. I applied for a rental and was denied ; I called the rental company to get further clarification. The Credit Bureaus did not place a 7 year hold on my credit report nor they did not delete the hard inquiries and derogatory accounts.
XXXX sent a letter referencing information I should have received about servicing enhancements. The referenced information was never received. As a result of " Servicing Enhancements '',  XXXX created new loan numbers that were credit reported in addition to the original loan numbers. Consequently, the addition of the new loan numbers had an adverse effect on my credit score and rating. I am currently in the process of obtaining a home loan. Due to the negligence of XXXX XXXX XXXX XXXX XXXX incorrectly reporting 4 accounts to the credit bureaus, including 2 original accounts and 2 new accounts, the adverse effect of the new loan numbers negatively interfered with the home loan process. Thus, I requested immediate removal of the new loan numbers from my credit. Additionally, due to the damages caused to me from the negligence of XXXX XXXX XXXX XXXX XXXX, I requested our relationship be terminated immediately. I offered to settle the original accounts with immediate removal of the all accounts from my credit to release XXXX XXXX XXXX XXXX XXXX from the damages caused by negligence in unauthorized new loan numbers and credit reporting. XXXX XXXX, XXXX Representative, has been rude and has not resolved the issue. After sending him documentation of the adverse effects to my credit and a resolution letter, he maintained that the company " reported correctly '' and the company rejected the offer to settle.
XXXX items on my credit report are listed 2 times each. XXXX XXXX Credit Card, XXXX XXXX XXXX XXXX XXXX are listed as write offs. These accounts were purchased by XXXX XXXX XXXX in full and should not be listed as Write Offs any more. I 've paid XXXX of these in full , XXXX XXXX and XXXX XXXX. These are also listed negatively on all XXXX credit reports as Write Offs and Collections. That 's like Double Jeopardy. I 'm being held accountable 2 times on each account and all are reporting negative even though XXXX are paid in full. I have good credit from other resources that are the same installment payments on merchandise and cash loans that all XXXX credit bureaus refuse to report. These would boost my credit ratings. The reporting of my report from XXXX is completely different from Transunion and XXXX. All XXXX have refused to change any information or add or adjust credit as payments are made and on time as well. I was told by Transunion to contact my congressman here in Mississippi, I did, and now, you 're it. Sincerely, XXXX A. XXXX XXXX
I had a Home Depot Credit card it gets reported as THD/CBNA. The account was closed XX/XX/XXXX. My ex-wife at the time decided to consolidate our debt and reached out to XXXX XXXX XXXX XXXX. Our accounts were then taken over by green path and essentially " closed out '' XXXX XXXX made monthly payments to all of our accounts via funds that were automatically taken from both my checking account as well as my ex-wife 's checking account. At that point we assumed we had nothing to worry about. We received monthly statements of accounts being paid etc..I am now in the process of refinancing my home etc.. and it has come to my attention that the THD/CBNA account is reporting XXXX months of missed and or late payments of XXXX, XXXX, XXXX + days. This is impossible and it should n't even be on my report at all. The account was closed and payments were then made from XXXX XXXX from XXXX XXXX until XXXX XXXX. This has got to be cleared up as it is negatively effecting my life right now and my credibility. I need THD/CBNA to admit they are incorrect and report to the agencies that there are no delinquencies to be reported. I am going to attach XXXX documents. The Welcome letter to XXXX XXXX which has my account number, the letter showing the THD/CBNA ( Home Depot account being paid off in full in XXXX XXXX and the spreadsheet provided by XXXX XXXX that shows each payment made since XXXX XXXX to the Home Depot ( THD/CBNA ) account. The account number and tracking numbers are all on the sheet they provided. Please help me get this cleared up. it is fraudulent reporting on the bank 's part and it is damaging my credit. Thank you for your assistance with this. I tried to reach out to XXXX last year to dispute this but it has to be done with THD/CBNA apparently and I want to make sure it is handled by a professional which is why I am reaching out to you.
I deposited a check that was payable as " cash '' on XXXX XXXX 2015, on the next day the check was put on hold in my account but the founds had already being transferred from the account of the person who wrote the check. As of XXXX XXXX 2015 I contacted the customer service of Bank of America and I was told that the check would not be credited in my account because it was written " cash '' instead of my name on the check, because there was a possibility that the check could be returned for insufficient funds, and that I will have to wait another 5 business day to have the check returned. It does n't make sense since the funds have already being removed from the account of the person who wrote the check. In addition, I spoke with XXXX representatives who were very unwilling to help me and who spoke with me like a machine not providing full answers to my questions.,
XXXX XXXX is reporting a debt on my credit report and they have never sent me a notice. By law they are required to send a 30 day right to dispute notice, they can not just place it on my credit report. 
For 2 I already settled this debt previously with XXXX XXXX attorney so this debt is not owed.
After my last communication with radius / XXXX, or whatever name they are using at this time, they called the XXXX police and said I had threatened them through CFPB and that is not true. I said their tactics might kill me, and that may be true if they take my XXXX  income and pension income, as I could not support myself without it. What are they trying to prove? I know they are massively powerful already. I suppose I am lucky that I was not arrested. What comes next? How will they threaten me next? I am terrified now. This debt was from my late husband, who took other credit card debt, of his, and dumped it on this card without my knowledge or consent. He ran up debt on my XXXX card buying expensive clothes, and then dumped that debt on this card, I told this to XXXX in numerous letters to them and their collectors over a 3 year period. He killed himself in XX/XX/2015, and his problems are over. What more do they want? He stole my life savings of over 300K. I do not think it is appropriate to call the police to my door because I owe them money.
I recently opened two credit card accounts with chase. Both applications had to be manually reviewed before they were approved XX/XX/18 and XX/XX/2018. It took multiple phone calls to Chase to get the cards approved. I discovered on XX/XX/2018 via my account online page that all accounts were closed. I called the fraud department and they refused to reopen the accounts because of too many new accounts. I have never been late on payments and always complied with the credit Terms.
I have reached out to this debt collector twice now to find out what in the world these items are on my credit report. They are reporting that i have something in collection with them and are not responding to my requests to verify. I first sent my request to verification through the credit bureaus, and then the letter attached most recently. I have given them MORE than 30 days to respond, and I am done asking. I need you to investigate this. I have no idea what it is, what its for, or what else to do to find a resolution. This needs to be deleted from my report.
The Bank of America ( BofA ) in their letter of XX/XX/2018 said they were unable to obtain credit for a service that's scheduled to occur at a future date. Furthermore, in the same letter ( attached ) it states that I should " contact BofA if the merchant fails to perform the services after the scheduled time-frame has elapsed ''. The letter further states to provide documentation from the merchant to support that they have no intention of rendering the service in the future. We done this several times with BofA. 
Today, I called the BofA to inform that the merchant has no intention to deliver the service and to inform BofA once again that they have this information. I have attached what the merchant sent the bank to dispute the BofA case ( XXXX ). Per the five items listed in " ADDENDUM '', item 3, 4, and 5 were in noncompliance in XXXX, 2018 when we did not received either a password or a website to received said service. The BofA had all documentation pertinent to service not received, since XX/XX/2018 when we filed the dispute. We again in XXXX, 2018 reach out for service and cancelled when no response was coming from the merchant. We gave BofA all the information showing the merchant at this point had shown no intent to deliver the service. 
BofA shows again in its XX/XX/XXXX that it has made no effort to dispute the merchant in my interest despite having the requested infirmation. We cancelled the service with the merchant on XX/XX/2018 after trying in good faith to get the service, and we told BofA and gave them the documentation. I attach relevant documentation showing how we tried to get what was promised in the merchant itemized ADDENDUM. The documentation we provide show that the merchant has no intention to provide the service and the bank has failed in its analysis of the case. Why then write me a letter saying to " contact '' BofA if we did not receive the service. Again it shows that the BofA is inconsistent and is NOT TRANSPARENT in its communication. I spoke with XXXX XXXX XXXX in claims on XX/XX/2018 @ XXXX XXXX about the matter. She hesitated then went to consult ( I was on hold twice ) what they should do despite the evidence that we are now in the future ( several months ) and i have not received said services from the merchant. It is clear the merchant has no intention to deliver the service and BofA has failed to recognize this or has some relationship with the XXXX XXXX XXXX  and rather not deal with the situation. XXXX XXXX then said that BofA did not receive in specific information to cancel the service. My final comment is that we have followed the rules and in good faith have tried to resolved this with the merchant. It is clear that BofA has not gone to show this with the merchant. It seems, because the merchant bank is in XXXX, BofA has become timid to do the charge back as the XXXX rules requires ( no service provided ). Please see attachments for this complaint.
A student loan was taken out via XXXX is XX/XX/2009. Payments were continually made on this account and we eventually stopped receiving any and all information on this account. A year or so later we began receiving constant and nearly threatening phone calls from a company called NAVIENT, which neither myself nor my cosigner had ever heard of. They were telling me ( including XXXX years of repayment ) that {$4.00} XXXX more than what was initally taken out in loan was due back to them. They would not give ANY information on the loan or how it got this way, just stated it had a XXXX interest rate now ( initially 5 % ). I began paying {$310.00} a month for the last XXXX years, which I can barely afford and now my account is still {$3000.00} more than initial loan amount. Whenever I call for information, they transfer to non answering line which disconnects or hang up on you right away. They offer NO repayment options. Right now it shows me estimated to pay another {$23.00} XXXX til payoff, on top of the $ XXXX that has already been paid on an original {$13.00} XXXX loan. WHAT KIND OF SCAM IS THIS COMPANY AND HOW DO I GET HELP????
XXXX XXXX XXXX I CONTINUED TO RECEIVED REPEATEDLY ROBO RECORDED MESSAGES ALL THROGH OUT THE DAY XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ) ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX XXXX XXXX  ) ( XXXX ) RECORDED MESSAGE XXXX ( XXXX XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE THESE ARE ALL ROBO CALLS
My wife XXXX and I sold our house in XXXX ( NH ) on XXXX XXXX of this past year. The closing date was XXXX XXXX, 2015. At that time, {$1500.00} of the sale price was not returned to us due to a title issue, the funds being held in escrow by XXXX XXXX. The title company requested a corrective discharge from XXXX XXXX XXXX because they discharged the loan without having ownership of the it ( i.e., the loan ). They, in turn, have requested an assignment of mortgage from XXXX ( account # XXXX XXXX to XXXX XXXX XXXX in order to " make the discharge valid ''. Despite the many attempts by XXXX XXXX, Closing Coordinator at XXXX XXXX, all requests for action have gone unheeded. She was told in XX/XX/XXXX that there would be a resolution in 2-3 weeks, but nothing has happened. In the meantime, {$1500.00} of our money has been tied up for nearly eight months through no fault of our own. 

We are writing to request that your office intercede with the XXXX banks in resolving this matter on our behalf. Thank you very much for considering this request. 

Sincerely, XXXX and XXXX XXXX XXXX NH XXXXXXXXXXXX
I took out a payday loan on XXXX/XXXX/15 and it was due XXXX/XXXX/15. I called on XXXX/XXXX/15 and advised I would n't be able to pick up the check on the XXXX and asked if it could be pushed to friday the XXXX on my next payday. I was told no. I was told on the phone and in the office when I got the loan that they no longer send checks to the bank and they go to collections ; so when I called on the XXXX i was given collections number to call tomorrow ( XXXX ). I got an email today that my checking acct is overdrawn. so not only did they go against what they said and their what their contract says, I was charged a {$34.00} insufficient funds fee by my bank because they covered the check I was told would go to collections and not the bank.
I checked my credit report from XXXX. On the section of credit inquiries. I found there is XXXX from XXXX which I do n't recognize. On the report it says XXXX XXXX, De XXXX. I have no idea what kind of card is this, and I never ever applied any card from this unknown bank. I want this incorrect error removed from my credit inquiries in my credit report. I have included the screenshot of the hard inquires from my XXXX credit report. I have no idea what this inquire is. And the most important is, I never ever applied any card from them.
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX accounts for months. The three credit bureaus wont reverse the late payment. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has lowered my credit score tremendously.
I called Experian on today XX/XX/2017, so dispute several inaccurate account on my credit report. and the rep stated that I could not dispute the items again because they were disputed once and the creditors does n't have to provide any validation of the accounts, they only have to update the information. The rep stated that its not Experians job to request documentation to validate anything and that 's my problem. the accounts that I am disputing are XXXX XXXX, XXXX # XXXX, and XXXX # XXXX due to the fact there is no contract between myself and those creditors.
We refinanced our mortgage with our lender, Freedom Mortgage, on XXXX/XXXX/15. For the convenience of the settlement agent, the closing was held at the XXXX in XXXX, CT. We were given only a copy of the HUD-1 ; we have no other documents, including the mortgage or note. XX/XX/XXXX, I contacted VP XXXX XXXX, who expressed surprise that copies of all documents were not given to us at closing ; he promised that we would receive the documents. To date, we have not received any documents.
Synchrony Bank refuses to stop calling me at XXXX every morning unless my relative calls to have my number removed from the bank 's contact information. I do not have an account with them yet they continue to harass me even after I requested they stop calling every morning.
I applied for a Home Modification from Chase who is our servicer and XXXX XXXX was the investor last XXXX XXXX. We were approved and they sent us the paperwork saying that there will be a 3 months trial period starting XXXX XXXX, XXXX to XXXX XXXX, XXXX and after that will send the final documentation. After paying the XXXX, XXXX, they are giving us the run around as if they do n't know when will the final documents will be sent. They do not respond to our calls, they even changed our relationship manager. Finally, the new manager assured us that documents will be sent and the payment for XXXX is waived. The promised date came XXXX, XXXX and still documents are not received. Once again, I called again the relationship manager and was told that they did not know when the documents would be sent out and to keep paying the trial amount in XXXX. He even do n't know when and just keep on paying. 

I already had a bad experience with Chase in the year XXXX. Please let me know how we finish the modification as promised by Chase.
I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately, Therefore. You are to present to me with a certification in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? ( copied from the affidavit of truth and Facts )
EquifaxXXXX XXXX. Is reporting the same accounts multipleTimes. XXXX of the accounts on my report have been reported XXXX times by XXXX XXXX XXXX XXXX on my report giving me bad payment history and derogatory remarks multiple times for the same accounts
My mother had a reverse mortgage through Financial Freedom a division of CITI, after she passed away I worked with Financial Freedom to inform them of the passing and the trusts intent to sell the home to settle the lien owed. I was informed that I had 6 months to square away the property and that I could apply for two 90 day extensions. After three months they ( Financial Freedom ) referred the home to foreclosure. I was told it was just a formality and that I indeed had 6 months with the two extensions. I hired a real estate agent to sell the property and notified FF that the home was up for sale. Because of the pending foreclosure I was place in an interesting position with trying to sell the home. I received only low offers on the home and countless ad 's from attorneys offering to " save the property. ' On XX/XX/XXXX I faxed over my request for my first extension under HUD 's guidelines. The extension was due XX/XX/XXXX. I called FF the following week to check on the status of the loan and was told I had been denied. When I asked why they stated that I had not gotten the request to them in time. The agent admitted in a recorded phone call that the request had sat on the fax machine for 4 days before anyone had found it. Also, they were unwilling to stop the foreclosure and auction of the home. And now with an auction pending, I received offers far less then the asking price, an average of {$100000.00} below market value. It took over three weeks to find out the status of the loan with FF due to their lack of response, I called 12 times between XX/XX/XXXX and XX/XX/XXXX every time I was told " there was no one available to talk to me. '' With the auction pending I took out a personal loan on behalf of the trust and paid off the lien in order to complete a sale of the property. Even after the loan was paid in full FF failed to send any payoff to notice to the trust and ignored 6 attempts by my title company to request a letter stating that the loan had been paid and they were issuing a reconveyance of the title in order to sell the home. It was only when I retained an attorney that FF provided a payoff statement.
have received alerts that my SSN was used reported by Experian. Can not get a live person to answer the phone at Experian to find additional information as to who used or how my SSN was used.
My Lowe 's charge took out XXXX as a reoccurring payment that I did n't authorize causing me to go NSF on my bank account.