WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo Home Mortgage is reporting a past due balance on my credit report with the three major credit bureaus. This is inaccurate and violates The Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, Wells Fargo modified the loan as a Trouble Debt Restructure in the name of XXXX XXXX. As a result of the XXXX, the loan was subsequently brought current. Although the mortgage is current, the mortgage is showing as a late payment on my credit report in the amount of {$2600.00} and shows 60 days late. I believe the failure of Wells Fargo not updating my information is negligent. As a result, the action of Wells Fargo has damaged my credit and caused me emotional distress and mental anguish.
Ameritech financial mislead me, basically lied about a program for student forgiveness. During this process I was charged XXXX dollars to enroll and a monthly payment of XXXX dollars a month that didnt go towards paying my student loans off at all. When I realized this I called the company only to get pressured into staying and was told all the money I paid so far was for there fee, not my loan repayment and if I left it would be a wast of money. I did refinance and cancel my loan but I paid over XXXX dollars to Ameritech in mislead and in my eyes fraudulent charges.
I am filing a complaint against Diversified Consultants due to they are still reporting a derogatory account on my XXXX and XXXX  credit reports. This account has been removed from XXXX credit report. 

Diversified Consultants has yet to provide me with validation showing that this account belongs to me. I do not recall opening this account and have never had an account with XXXX. Therefore Diversified Consultants can not continue to report an account that does not belong to me. I am demanding immediate removal from my XXXX and XXXX credit reports.
I have been dealing with Bayview loan servicing for a year now, and its been a headache. I had always made my payments on time and I always tried to catch up if I ever fell behind, but there is are situations that you have no control of. Before my loan getting sold to Bayview I had XXXX mortgage, they informed me that I had an escrow shortage and they were informing me that it had gone up {$7000.00}. How is this possible? Due to this going up higher, my mortgage payment went up higher and and I was unable to make the payments. I was paying {$1000.00} for my mortgage payment and they brought my mortgage payment up to {$1700.00}. I was never behind on my mortgage payment, and the taxes and insurance were escrowed with my payment. How can I fall behind? With Bayview I applied for a modification and they denied me saying that the delinquency was high and with the calculations they made they said that I had equity, but I dont have equity my home is underwater. I asked for a BPO and they did it but the person that went to do the appraisal didnt take in consideration the damaged roof, floor and windows. It was not a professional appraisal, he said he was there just to take pictures. When I asked Bayview to send over information on the recent appraisal of my property, they have not sent anything and its been more than a month. I was told over the phone that I was not eligible for the XXXX XXXX XXXX which includes principle forgiveness because I have {$4000.00} worth of equity. This is not true. i owe almost {$290000.00}. Before the appraisal they did on my property that I still dont know information about, my home according to them was worth {$240000.00}. I paid for an independent BPO and my property estimated value without taking the work needed on it in consideration is {$210000.00}. I need help and they are not giving me information.
The XXXX XXXX and XXXX XXXX claimed that I owe {$3200.00} for maintenance at the XXXX XXXX XXXX in XXXX. However, in XXXX I wrote letters to each of the XXXX credit bureaus and explained that I had terminated my membership several years ago. I sent them a copy of my resignation letter along with copies of the by-laws which indicated that when you do n't pay, they simply terminate your membership. I asked them to take me to court and they said they do n't do that - they only try to ruin one 's credit. This is a form of extortion ( or blackmail ). Would you please see what you can do to write this wrong. Thank you.
Today I called TransUnion with a simple question. I and any other consumers know that the Fair Credit Reporting Act is a set of Federal Laws that regulate the information that's provided to and then reported by all three of the Credit Reporting Agencies ; Procedure in case of disputed accuracy [ 15 USC cc1681 i ] ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by the consumer and consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of a 30-day period beginning on the date on which the agency receives the notice of the disputed from the consumer or reseller. 

With this specific understanding I called TransUnion and ultimately spoke with a Supervisor in their Special Handling Department, XXXX, at XXXX XXXX PST today, XX/XX/2018. The simple question being this ; How do you ( TU ) define the word Accurate? Explaining for XXXX that there are different words used in different Dictionaries to include ; XXXX XXXX XXXX XXXX, accurate ( kyr-t ) adj. 

1. Conforming exactly to fact ; errorless. 
2. Deviating only slightly or within acceptable limits from a standard. 
3. Capable of providing a correct reading or measurement : an accurate scale. 
4. Acting or performing with care and precision ; meticulous : an accurate proofreader. 

XXXX XXXX, Definition of accurate 1 : free from error especially as the result of care an accurate diagnosis 2 : conforming exactly to truth or to a standard : exact providing accurate color 3 : able to give an accurate result an accurate gauge Unfortunately, although there are different words to describe and define the word Accurate that can be found and/or used TransUnion doesn't seem to have ANY definition of the word to provide to the American Consumer when requested? 

Not only that but XXXX then repeatedly refused to provide me with any information whatsoever on where I might address this simple question to within TransUnion? Instead, he completely disregarded my question after his repeated refusals and simply kept asking me, " Is there anything else I can help you with ''? 

So, what option does an average consumer have when writing a " dispute '' to TransUnion when TU can't even tell what this one,  essential word actually means? 

" if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by the consumer, '' If TransUnion can not even define this word, or is unwilling to share their " definition '' of the word Accuracy with the consumer of what actual, practical, enforcement value does the FCRA then have?
New Penn agreed to fund our loan on XX/XX/XXXX and they were told immediately we had a non-occupant co -borrower. We provided all required asset and income information and we met every condition. The appraisal was ordered by New Penn and the house met the appraisal amount required. New Penn called me to confirm information and congratulated me on the home loan. New Penn told my broker to expect documents to sign on X/XX/17. Today X/XX/17, we were told they would not fund the loan because of the non-occupant co borrower ( which they knew about in XX/XX/XXXX ).
Captial One continues to report old information on my credit report, and its so old and should be deleted.
In XXXX, I was unaware that my line of credit matured and was cancelled. I was paperless in an XXXX. They said they would extend it until we arrived home. XXXX XXXX at Capital One on XXXX, LA talked to us when we returned. XXXX took our reapplication to reopen the line since we had had this with your bank for 10 years and had been with capital One for 30 years at the XXXX, LA branch. In that time frame, we spoke with the manager and explained. She called Capital Loan dept., spoke with another woman who said she 'd handle it that day, XX/XX/XXXX. We have a fax confirmation from XXXX XXXX XXXX, XXXX. The woman in Loan dept. said a week later that she did n't receive it although the manager at Capital One on XXXX. had the fax confirmed. So the money we paid over 4 months to our Line of credit was never applied to our line of credit. It was held in a Capital One Management fund. We paid {$2400.00}. on XXXX? XXXX. On XX/XX/XXXX, we paid {$1300.00}. On XX/XX/XXXX we paid {$1400.00}. On XX/XX/XXXX we paid {$300.00} and on XX/XX/XXXX we paid {$2500.00}. On XX/XX/XXXX we paid {$1200.00}. and XX/XX/XXXX we paid {$500.00}. On XX/XX/XXXX we paid {$2000.00} and XX/XX/XXXX we paid {$1500.00}. None of these were applied. After this occurred, we were told to pay the entire amount off. On XX/XX/XXXX we paid the entire balance. XXXX XXXX helped us do this at Capital One XXXX XXXX. XXXX in XXXX. The new loan number was XXXX. When XXXX XXXX faxed this to XXXX in the Loan Department, and told us it was supposed to be applied to our line of credit. XXXX 's phone # is XXXX. It never was applied. So all of this time Capital One held our {$4700.00}. and never applied it to our line of credit. Then we were placed into a collection agency despite us paying on this. It ruined our credit. We were trying to refinance our home from a 5.5 % loan to a 3.3 % which we were attempting to do with XXXX at Capital One. Because of the credit agency, we were refused. This cost us {$35000.00} over the 30 year loan period.
Went to XXXX XXXX XXXX to obtain a loan, and someone else was able to use my social security number. LexisNexis provided information on two individuals with the same social security number.
I had an issue with my checking account at Suntrust Bank and I went into a branch to resolve it. The personal banker said there was nobody there who could resolve the issue so I left and went to another branch location. At this location, both personal bankers had customers so I sat down to wait. When one of the customers left the manager walked out and took one look at me and then called the free personal banker into his office saying he wanted to show her something. When they went into the office I could hear laughing and joking while I waited. Both the manager and the banker are persons of XXXX. When she finally came out and I explained my situation to her she said " I cant help you '' and I asked to speak to the manager. He came in and told me " I cant help you and bad things happen to good people all the time ''. This is the branch manager. 

As I was leaving the personal banker who was speaking with me walked around to the other desk where another personal banker was with a customer and they all looked at me and had a joke about my dilemna. 

The situation was easily resolvable because, when I went to another Suntrust bank the person immediately resolved my issue and then gave me solid options including overdraft assurance, a credit card tied to the account and asked for a time I could meet with her about improving my credit card debt using a home equity line. So the issue was easily solvable but the initial manager and banker were unwilling to do so. 

The treatment, the initial snubbing, the sarcastic comments and then the laughing about it afterwards with another customer lead me to one conclusion. I have been the victim of XXXX bias by a manager and personal banker from Suntrust Bank. In our country we should be well beyond the point where people are discriminated against due to the XXXX of their skin or ethnicity.
This company for the last 4 years have reported a debt that was about $ XXXX in amount as a {$22.00}, XXXX debt on my credit report. Additionally, when I disputed the validity of this debt with the company and the bureaus, the company verified the debt as a valid debt to the credit bureaus, whereas they were required by the FDCPA to report the debt as " disputed. '' This is a clear violation of. XXXX. Validation of debts [ 15 USC 1692g ]. The item also still appears on my credit report as having a $ XXXX balance ( see attached credit report excerpt from today )
COMPLAINT : BANK OF AMERICA HAS FAILED TO APPLY PAY-OFF FUNDS TO MORTGAGE. On XXXX XXXX, we contacted Bank of America with an intention to pay off a mortgage on a home owned jointly by XXXX parties. XXXX parties were on the phone call to receive the specific instructions and we repeated the instructions for pay-off back to the Bank of America employee. We wired the pay-off amount of {$49000.00} on XXXX/XXXX/15. As of today, XXXX/XXXX/15, the funds have not been applied and Bank of America has provided the following explanations/evasions to our phone calls : B of A on XXXX/XXXX/15 : " I do n't see any payments applied. '' B of A on XXXX/XXXX/15 : " I have located wire transfer and will add a note to tell them to process it. Funds will take XXXX five business days to be applied. '' B of A on XXXX/XXXX/15 - first phone call : " You did not include loan number on wire so it was returned. '' ( We explained that the funds were not returned and no communication had been received that there was a problem with the wire transfer. ) B of A on XXXX/XXXX/15 - second phone call : " I located the funds and will reapply ''. B of A on XXXX/XXXX/15 - third phone call : " The funds were approved to be returned on the XXXX. I can not locate the funds. I will call Tuesday to see if you received the returned funds. I will continue looking for the funds today. '' We feel these specious excuses are unacceptable.
On XX/XX/2018, I received a Visa/Debit card by mail. It is identified as being a XXXX Spending Account Card. The paperwork shows the card to have been issued by UMB Bank. This card was not requested, not wanted, and I had no knowledge of his account before the card arrived by mail. 

On XX/XX/2018, I called UMB Bank at the number provided, XXXX. They refused to provide any assistance unless I give my full Social Security Number. Already suspecting fraud, I did not give any part of my SSN but insisted that they find the account by my name or the credit card number. They declined to offer further assistance, but said the account must have been opened by my current of previous employer. My current employer confirmed that they had no part in it, and its been 18 months since I worked for my previous employer. 

On XX/XX/2018, I called UMB Bank again and spoke to XXXX. He refused to provide any information about the account, but suggested that I call XXXX. When I called the number suggested, I spoke to XXXX who said that she was with XXXX, the payroll company. When I explained the situation, she immediately assumed that I would not want to give my SSN and she found the account by my name. But she had no information about why the account was opened, except that it appeared to her to be a spending account, perhaps an XXXX. ( Ive never had an XXXX account. ) Still, she could not say who requested or authorized the account to be opened in my name. 

My credit reports have been frozen with each of the three credit agencies since before this card arrived. In the meantime, I have an unwanted card opened in my name with no explanation and no ability to close it.
My loan was bought out by Select Portfolio Servicing XX/XX/XXXX from XXXX  XXXX XXXX. When SPS inherited my account they informed me that I was 1 month behind. I have been disputing this since they took over my loan. I have provided proof of payment for XX/XX/XXXX and XX/XX/XXXX. Once they received my proof of payment I was then told that " my missing payment '' is from another month. I asked what month and they have been unable to give me a specific month. They did send me what they claim is a payment history from XXXX but it was so microscopically small that it was impossible to read. I called them and told them the statement history could not be read. They sent me the exact same copy I had previously received. To this date they have been unable to tell me what month was unpaid. I simple do no know how that is possible since I made my mortgage payment at the bank/branch window. XXXX will not accept a partial payment at the window, I know this because I have tried before I was approved for a modification. 

I recently went through a series of health issues that I was heavily medicated for. I accidentally issued 2 online payments for the month of XX/XX/XXXX. They refuse to return one of my payments because they now consider my account " current. '' My bank is unable to assist me since payment was sent out in a check. I now have an overdrawn account and bills and food that will not be paid nor purchased for the rest of the month. 

If there is anyone that can help me, I really need the help to resolve this ongoing issue.
received an initial call on XX/XX/XXXX from XXXX at XXXX in the XXXX of the XXXX indicated she would do the following in that discussion, that she would take action in the next day or so to have the account removed from collections and my account cleared at XXXX. 

The indicated actions by XXXX have not happened as of this writing which is why I am reaching out to you again for assistance. 

I have attempted to contact XXXX no less then XXXX different times leaving messages, email contacts, call back number, etc. However, outside of the initial call on XX/XX/XXXX XX/XX/XXXX has not returned my ANY of my called since our discussion on XX/XX/XXXX. 

XXXX lack of responsiveness and failure to follow through on her commitment to me is uncharacteristic of individual working in the XXXX of the XXXX period. Not only am I disappointed in XXXX lack of response to my many phone calls, but also her slight attitude in our initial conversation which appears to be consistent with her lack of follow-through action and non-responsiveness subsequent to our initial phone discussion on XX/XX/XXXX. 

At the crux of the issue is the failure of TM and Receivables Performance collection agency to completely remove any and all reporting of the {$68.00} for a balance that is not owed, and was indicated would be removed by XXXX 

However, Receivables Performance is play games with zero reporting while leaving the initial {$68.00} on my credit report which in not right.
XXXX  continues to report fraudulent accounts on my credit report that don't belong to me because I am a victim of identity theft. They refuse to accept my disputes. This is against the FCRA. These accounts need to be removed. I have provided a police report.
I leased a XXXX XXXX through Ally Financial and returned the car to a dealership on XXXX XXXX, 2016. I was surprised to receive an invoice for three excess wear items on XX/XX/XXXX. I called the phone number listed and was told someone would get back with me. I did not receive a message back from the new department until XX/XX/XXXX. I called back several times and left messages but did not receive a call back. I again called the general number and was given another number to try. On XX/XX/XXXX I spoke with XXXX who informed me that the vehicle must be sold at auction before anyone could have a further conversation around how to resolve our dispute. She stated these matters are not handled with her department. She asked if I had seen the photo 's from the inspector ( which I had and saw no evidence of damage ). she then pulled up the file herself and noted she could not see anything as " there must have been a glare ''. XXXX asked about the previous repair noted in the detail and I explained there had been no previous repair or need. I asked her what the process would be from this point and she said once the vehicle was sold at auction these charges will be handled by the asset recovery center. 
I was eventually contacted by the asset recovery center and contested these charges. They got back with me eventually and removed the bed liner item related to " previous repair '' but said the other two would stand. I explained that I did not see adequate evidence to support their claim. What followed was literally a year of constant phone calls to my home where the callers had no interest in discussing the legitimacy of the debt. I corresponded with Ally on XX/XX/XXXX after receiving a NOTICE OF INTENT TO REPORT NEGATIVE CREDIT INFORMATION but they ultimately turned my account over to collection with XXXX XXXX. I spoke with XXXX and told them I did not consider the debt to be legitimate and responded to the XXXX notice with a note and a copy of my Ally correspondence. XXXX charged off the debt and reported it to the credit monitoring agency which resulted in a significant drop in my credit score.

I never received adequate evidence to support excess wear. I am XXXX years old and have leased many vehicles and never had an issue in the past. I do not understand why they would not discuss the matter until after selling the evidence. I was told the third party inspection service is not paid on commission but this certainly has me wondering about that.
I contacted  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   about several inquiries that are on each  one  of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in  XXXX   XXXX  getting ready to move the following month I had no need to be shopping for a car in  XXXX , I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate o f  XXXX  I  have the RIGHT to request VERIFICATION of how they received information.  XXXX   XXXX  sent a letter back dated   XX/XX/17   stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in  XXXX   XXXX ,  Missouri.  I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract  XXXX  to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing m y credit score  to decrease and I want these inquires removed from all there reporting agencies immediately.
i tried to add my capital one bank to my XXXX XXXX account and it denied me
I agreed to have an ach payment from my checking account on XX/XX/XXXX and they drafted the payment on XX/XX/XXXX which caused my account to become negative i sent screenshots to them and they said they would take care of it, I adviced them because of there mistake and the ripple effect of other bills taken out of the same account that i needed sometime to get my affairs back in order. They harrassed me about the payment and asked have i ever made a mistake. I then emailed them a Cease and Desist as I would be contacting a lawyer for advice. They are still calling, texting and emailing me still.I have voicemails and emails if needed
I am victim of identity theft and have informed Experian that I filed FTC report and can they remove fraudulent accounts immediately
On  XXXX    XXXX ,2017    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Oh  XXXX   XXXX  Had an inquiry on my credit report that I did not authorize or approve of.
XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within the ir 30 al lowable days.