WillisBack/dataset-financial-user-claim huggingface dataset:
Good afternoon, I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

XXXX Bank had the second lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XXXX. XXXX XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

In early XXXX I discovered XXXX was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through Experian in late XXXX XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XXXX XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, XXXX Bank eliminated the monthly obligation and updated the status to a charge off as of XXXX XXXX. 

Now my credit report says I have a RECENT LATE as of XXXX XXXX - but the last time I was late with payments was XXXX XXXX. Compass recent reporting of my charge off occurred in XXXX XXXX and their adherence to this date makes lenders and other affiliates assume I was recently late on my obligations. But as you can see on the evidence provided I was NOT late on any payments in XXXX XXXX. ( I have n't been late on any payments since XXXX XXXX. ) How could I be late on an account that has been closed since XXXX? XXXX wrote that the balance is past due as of XXXX XXXX but I was 120 days past due from XXXX XXXX. 

I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. 

Per Experian my Time Since Negative is XXXX years ( point one years ). Please help. I have n't been late since XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XXXX XXXX. 

Thank you kindly. 

XXXX XXXX
Bank of America sent me a past due notice today XX/XX/19. The full amount due was {$1400.00}. I immediately made a payment of {$1200.00}. I had the funds, just forgot to make the payment.I then wanted the {$25.00}. late fee reversed. In the past due notice was a message that said, " We're here to help, we appreciate the opportunity to serve your financial needs. Please call us at XXXX '', which I then did. I received a recorded message that said, '' We appreciate your business '' and then menu choices. At XXXX XXXX   they gave me a call back from the Virginia Office of BofA. I explained why i didn't make the payment, told them I had just made almost the entire payment, and would they please reverse the $ XXXX.fee. First person said no, I was not eligible to have the fee reversed, I asked why, she said, We don't need to give you a reason, you just aren't eligible. '' I asked to be connected to her supervisor, she connected me to her supervisor named XXXX from Virginia office, she said " it doesn't matter how long you have been a customer with us, and that you wiped out almost the entire balance, you are not eligible for a fee reversal, because you have not lived up to the terms of the agreement you made with BofA to make a timely payment '' ( paraphrase here ) I asked to be connected with the supervisors supervisor who word for word echoed the same statement as # 2 supervisor. All from the Virginia office of BofA. No regard for the fact that I have been a long-standing BofA customer, am XXXX years old, and on a fixed income. {$25.00}. means alot to me.
Forward to Equifax proof that original Debt from XXXX XXXX ; account was bought by XXXX XXXX XXXX. Equifax continually states that the debt is not in my Chapter XXXX bankruptcy documentation. Equifax clearly does not understand according to fair documentation of debt, if the debt is listed is chapter bankruptcy whether original Debt collector XXXX XXXX or the the new debt collector Holder XXXX XXXX XXXX, they must acknowledge that debt on my credit file as debt included in chapter XXXX bankruptcy. They have it listed under open and current debt never paid. They refuse to change or remove form open debt section, and list under closed account included in XXXX. I have repeated cases and documentation to show that I have forwarded a whole case file with my entire chapter XXXX BK, and they see the debtor listed, and refuse to update my credit profile as such. This is my 9 attempt through their website of legally trying to get my credit file current, and according to fair credit reporting agency. One of the biggest issue is wen you call you get an XXXX personnel states they can not understand what you say, or not abreast with current credit monitoring laws. It was stated to me, I due not have any legal right under fair credit reporting for updating these errors. I was even told regardless of my bankruptcy papers documented and clearly state the amount, date bankruptcy went into filing, and action they told me by phone it would not be fixed. Then I was told by Equifax personnel again a XXXX Rep, they did n't have documentation to confirm that I even had a bankruptcy. I forwarded three times by certified letter, and yet again they refuse to acknowledge and legally update to current BK information. Also they still refuse to remove the closed state lien off my file, especially when the state indicated in documentation that the state lien should not have never existed, cause I did n't have a lien in the first place. In clear heading at the bottom of the State Government affirmed documentation it states '' can not be listed on any credit agency website. '' Yet they refuse to acknowledge that saying documentation does not show that they can not list on web, indicated my personnel on phone.
Delta outsource group contacted me on Friday XX/XX/XXXX in reference to a debt that was sent to them to collect on. I attempted to inform the representative that I had no knowledge of debt and that I would like more information mailed to me. The representative said she wouldnt send any information unless I provided her my information that she would need in order to try and use it to claim I owed this debt I knew nothing about. 

I notified the company in writing of my requests that they provide documentation of this debt. I have received more phone calls every day since XXXX XXXX and nothing in writing. The agent today XX/XX/XXXX called and I explained u have not been provided any documents that suggest I owe a loan and she acknowledged that my request for these documents was received. The agent then started to get angry and hung up on me
Tower Loans called my old job and left a message on another person 's work phone for me even when CFPB cautioned them to desist.
XX/XX/2017 Allowing multiple hard credit report inquiries from one signed consent of XXXX XXXX XXXX. For signed allows XXXX consent, no others stated on form. XXXX additional hard inquiries had been added. California State penal code stipulates a consent is needed for each credit inquiry made as well as U.S. Code. I signed for XXXX XXXX only.
This is my third complaint to have my issue addressed regarding mortgage payments through USAA XXXX XXXX that are not showing on all three credit reporting agencies. All three agencies are still only showing XXXX and XXXX payments being made to USAA XXXX XXXX which is incorrect. There are payments that are still not reported which are in turn diminishing my XXXX XXXX and credit in general. I have also asked now a third time that USAA XXXX XXXX reestablish my XXXX score which has diminished due to them not reporting payments that I have cashed checks signed by their company. Once again, I am only seeing XXXX and XXXX XXXX reported. There are other payments that have still not been reported by USAA XXXX XXXX XXXX. I need all payments as they have on XXXX file that have been received by their customer. Me. I also need my XXXX XXXX reinstated as was told by another bank in which they stated USAA XXXX can yes, very well reinstate your credit to all XXXX credit bureaus.
I submitted a request to review a Federal Tax Lien on my credit report. All other credit reporting agencies have removed this from my credit report except TransUnion. I called the XXXX and received a release document, and asked that TransUnion follow up and remove this information. They claimed to have done an investigation, and " VERIFIED '' the information as good, no change. This is wrong. I am attaching documents to show that this tax lien was released in XXXX of 2015. TransUnion REFUSES to remove this from my credit report, and I am filing a complaint against them for failing to do so. TransUnion should have been able to verify as easily as I did with the XXXX, and I do n't believe they verified anything at all, they took the entire 30 days to come back and tell me it was verified. They ought to be sanctioned ... ..
It all begins when I purchased a newly built home in XXXX XXXX, XXXX Georgia and the seller and Broker got me a loan with XXXX XXXX Mortgage and then the company went belly up within XXXX days. As a result my loan was then sold to XXXX XXXX XXXX unbeknown to me and without my permission who also got in trouble for bad loans and sold my loan to this company based out of either XXXX, Nationstar Mortgage. Ever since my loan has been taken over by Nationstar I receive weekly XXXX or XXXX times a day telephone calls from them and letters in the mail and XXXX delivery trying desperately to convince me to refinance my loans with them. I initially asked questions and realized very quickly that they do not operate ethically or in the interest of the customer and are out to do more damage than good. I have updated my account profile and asked them repeatedly to stop calling and contacting me all day and night every week for at least XXXX days about refinancing with them because I am pursuing a loan with other lenders. It is truly unfair to innocent customers like myself whose loans were bought by XXXX XXXX as a result of the XXXX Mortgage debacle and then sold to these unscrupulous lenders such as XXXX XXXX XXXX that has taken advantage of customers in the past and still remain in business with profits. 

Also, since Nationstar has taken over my loan which is approximately XXXX years or more now, the also have paid my City , County and Insurance late and applied the wrong amounts and servicers without my authority. Last year they paid XXXX XXXX insurance company that I contacted for information and quotes on my home. I was in the process of getting rid of XXXX XXXX insurance that I had for all my homes for the past XXXX years because they constantly raised my rates even though I never had filed a claim until last year due to a hail storm that damaged my roof. After receiving XXXX quotes I decided to go with XXXX XXXX which provided me with over {$200.00} in savings. Nationstar not only paid XXXX but also paid XXXX XXXX when I took the time to contact them as soon as singed my Home policy to let them know I was discontinuing with XXXX XXXX and not to pay them. Well to my surprise they paid XXXX XXXX at the time it was due late of course then also made a payment to XXXX XXXX months later and my XXXX balance was way low and then they increased my mortgage payments for the shortfall. I had to make numerous calls to get this debacle rectified. 
I have conducted research on Nationstar since I had not heard of them prior and read multiple customer reviews about how they offer refinance and put consumers through a lot of trouble and lose documents then change the terms over and over again and some have even lost their homes due to foreclosure. Of course I was horrified and it definitely confirmed my suspicions about this company and why I am not interested. I still receive calls and letters every singe week which is beyond annoying and what I know as harrassment. Please provide some remedies to innocent customers such as myself so I do not have to go through this ordeal again and again. Thanks in advance.
For more than XXXX years i have a line of credit on my rental on XXXX XXXX XXXX XXXX my regular payment until last month was {$180.00}. I just received a statement from BOA for the current payment of {$580.00}, that is XXXX times more from last month. I called BOA and after XXXX mn wait, the lady on the phone advised me that she can not answer my question because i gave the wrong zip code, i have tax record on the property that shows the right zip code i gave her and i have a payment receipt from last month.
For the past 4 years, I have had problems getting through the Equifax security questions. I CORRECTLY answer the questions - all answers are None-of-the-Above - and I am rejected and directed to apply by mail. The last time I did this, they LOST my report, either on their end or the US mail, and had to resend it so I will never resort to this method again. I never have this problem with either XXXX or XXXX.
I have recently been informed that there is negative information being reported in credit files maintained under my social security with Equifax and XXXX. They claim the information was reported by Federal District, US BKPT CT FL XXXX from XX/XX/XXXX. <P/>I challenge the accuracy, compliance and reportability of these entries. I have sent confirmation verifying that these entries were not entered by the entity in which my credit reports claim. I have concerns of identity theft and have filed a report with the IC3.gov on account I have received threaten emails from scammers including my social security number and demographics. Therefore, I do not consist to automative reporting from 3rd party data companies. Even upon this verification Equifax and XXXX  still insist on reporting this information. My initial request for validating this information with these credit bureaus was on XX/XX/XXXX and a second request was made after they claimed the information was validated. Their claim was inaccurate and conflicted with the verification letters I sent them from the court stated they did not report the information. <P/>XXXX has complied with this request, however they continue to report inaccurate information as well. They are reporting US BKPT CT TENN from XX/XX/XXXX. My initial request to validate this information was also made on XX/XX/XXXX and included a letter from the court stating they did not report this information. As of XX/XX/XXXX I have also initiated a security freeze with XXXX XXXX in efforts for me to clear up some inaccurate information being reported to the credit bureaus. <P/>All three credit bureaus continue to report the of XXXX XXXX XXXX for XXXX XXXX XXXX in the amount of {$4300.00}. They claimed 1st of date delinquency XX/XX/XXXX. I moved out XX/XX/XXXX. I m I have disputed this with XXXX XXXX XXXX who insist their information from XXXX XXXX is accurate and therefore validated. The credit bureaus continue to report this information dispute the evidence I have supporting that this information is missing data and inaccurate. The evidence XXXX XXXX XXXX has supplied me as validation was a move out inventory sheet which lacked my name, apartment unit, signature and the start lease date was incorrect. They included this with a copy of the first two pages of my signed lease and an itemized billing statement that reflected a base rent that conflicted the signed leased, legal expenses for filing eviction despite I have moved out 3 months prior to their eviction, and claims of damages. My evidence included their evidence pointing out the discrepancies, my noticed to vacate and XXXX XXXX acknowledgement of my notice to vacate prior to my moving out. I also included a copy of a rental verification for another property where XXXX XXXX still acknowledged I had submitted my notice to vacate prior to my moving out. I have filed a complaint with the Better Business Bureau for this unfair and inaccurate reporting by XXXX XXXX.
O n   XXXX   XXXX     2017 I we nt to my local grocery store (   XXXX   ) at approx  XXXX  at that time ... .according to m y mobil app  with bank of Americ a ... .. my  balance was {$52.00} ... my purchases totaled {$24.00} ... later that night after the store was closed ... approx  XXXX , I went to Bank of America ATM on  XXXX   XXXX  and  XXXX   XXXX   XXXX  NY  XXXX  where I withdrew {$20.00}. I DID NOT get a notice from the ATM during the withdrawal that this transaction would " exceed the balance thus incur a {$35.00} charge '' ...  ..The next day I receiv ed my routing morning text message notice stating that my account is overdrawn by {$46.00} ... I went to the computer and discovered that the {$35.00} over draft fee was the cause of the overdraw.     I made a call to B of A ... .their explanation was that what I am able to see on my app as well as my online banking is not accurate and that at the time I went to the grocery store there was only $  XXXX  .and     chance ... but NOT the {$52.00} that both my online banking as well as my app reflected. Despite my protest they are unwilling to reverse the {$35.00} fee
OnXX/XX/XXXX I mistakenly made two payments to hmf ( XXXX XXXX XXXX ) on XX/XX/XXXX I called Chase and told them specifically to only take bake the 2nd payment and only this occasion! ( have a witness ) Chase took both payments. 0n XX/XX/XXXX I made another payment and Chase took that one back as well. I find out Chase put a 180 day stop on those payments when told only once and told me it would definitely be only the one time. Because of that hmf carged me 3 {$30.00} fees for lack of funds ( which is not true ). I explained to hmf and they waived only one fee. I called Chase and they are only refunding one fee, leaving me with a fee that is not my fault! All of this is the fault of Chase for lying to me!
I submitted a complaint with Consumer Financial Protection Bureau and received the EXACT same response that I had received from the TransUnion Dispute enclosed in my complaint filed with the CFPB.     I did not give written authorization. Nor did I have a '' permissible purpose '' as deemed by TransUnion explanation of Inquiries.
XXXX sent XXXX items ( broken coffee cup ... XXXX pendant ) to our address. WE DID NOT PLACE ORDER for these items. They continued to harass us with letters and then sent after one year to collection agency Sunrise Credit Services. We did not order these items..they can not prove it.. and need to show us written proof which I know they ca n't. They continue to harass and threaten. Amt. is for {$64.00}.
Paid a negotiated settlement amount of {$220.00} to XXXX XXXX XX/XX/2013. Received email confirming payment from XXXX. Then I learned few months later my account and info was sold to Pinnacle Credit Services. Pinnacle has tried to collect {$920.00} for almost five years now. Each time the clock ticks close to debt expiring they lie and say they have talked to me or had contact or a conversation. 

Provided the credit bureaus with the XXXX payment confirmation and disputed Pinnacle Credit report as a collection. XXXX refused to remove but others did agree it was inaccurate info and removed. 

Five years later Pinnacle Credit continues with mailing stuff to my house and reporting to credit even though debt was paid in XX/XX/2013. XXXX says they can't help that Pinnacle Credit owns the account now. 

I currently and in process of underwriting to close on a home and this has the whole process on hold. For nearly five years now I've dealt with Pinnacle Credit shady business practice and lies. I will not pay a debt twice. XXXX received money and can not help me. Credit bureaus except XXXX   agrees this was bogus. Pinnacle stalks me and lies saying we have talked to restart the clock. I'm at a loss. 

This company is a scam and harmful to anyone that has had an account with big companies like XXXX. Based on the lack of professional manner and the dishonest approach Pinnacle Credit must be a relative of a XXXX Executive. Who else would collect money then sell the account to allow the customer to be hunted down and life ruined?
I have a credit limit of XXXX on my chase credit card. I ca n't control my wife 's spending so I chose to carry a balance of XXXX thus limiting her spending to XXXX per month. This has been working fine, when the card reaches its limit the charge is declined and my wife stops charging until the balance is paid. I just got the latest bill and the balance is over XXXX. I called the bank to inquire how I was able to exceed my limit and their answer was that they have patterns and practices that allow clients to exceed their limits. Because of my prompt payments they allowed me to exceed my limit. If they would have sent me a letter saying that they are increasing my credit limit I would not have authorized it. Here they increased my debt ceiling without saying a word to me. How can I manage my finances when the credit limits are not enforced. To add insult to injury they said once I bring my balance below the limit they I can select to make the credit limit a hard limit. When did the limit become soft? How can they without my authorization increase my debt ceiling.
Oportun Inc. is a very scrupulous lender that charges high rates without proper disclosures and pulled my credit without my authorization. They also have made multiple threatening calls from collections and even came to my job and home to try to collect a payment from me in person. They make multiple calls to my job sometimes XXXX10 times a day, eventhough I have told them that I can not take calls at work, and they are going to get me fired. I try calling their call centers, but they are located in XXXX and I do not feel comfortable giving my social and other personal information to XXXX call center agents. The call center will not transfer my call to the store where I did my loan. I Finally went to the store and asked for a Manager and the person said they do not have Managers at the stores. This company sounds like they are fraudulent, I regret taking out this loan. Most of the people I have dealt with do n't even speak XXXX, how can you do financial business in XXXX and not speak proper XXXX to communicate with customers that are not XXXX Speaking? This should be illegal, these people can not even explain all of the fees on my loan and the rate is almost 40 %. 

I do n't have my papers so I would like to remain anonymous.
I wrote the following letter to Citibank at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Citibank Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from Citibank that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from Citibank. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.