WillisBack/dataset-financial-user-claim huggingface dataset:
Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX  for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX  either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX  account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Over 45 days ago I sent a certified letter to Pinnacle Recovery requesting Validation of an alleged debt they are reporting to the credit bureaus. I asked for proof I owed the debt and proof they were the current owner or proof they are authorized to collect the debt. I also asked for their Texas collection license and bond information which they are required to give me under the Texas Finance Code. They have not responded and are continuing to report me to the credit bureaus.
I have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX/Bankruptcy # XXXX, and # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2017. 
On Thursday, XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/2017. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with another agent and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2017. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2017. 
I demand that this public record XXXX/Bankruptcy # XXXX and # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax '' s so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : XXXX # XXXX and Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. PLEASE HELP!
I checked my checking bank account transaction history on XX/XX/XXXX and identified 17 suspicious {$20.00} charges to a XXXX reloadable gift card dating back to XX/XX/XXXX with the last one occurring on XX/XX/XXXX. I called Citibank to inform them of these suspicious charges and informed Citibank that I do not have a XXXX reloadable gift card and I did not make XXXX individual charges within a 1-2 month span. I disputed all XXXX charges and was informed that I would receive credit back for all while the bank investigated the case. I also received a new debit card and Citibank canceled the debit card in my possession due to it potentially being compromised. One week later, I noticed that I had only received credit for XXXX of the XXXX charges, so I emailed then called Citibank. I was told that XXXX of the charges were disputed but only XXXX were credited so far, and Citibank credited the XXXX other charges they told me had not been disputed. However, I received a letter indicating the XXXX that were disputed. So there are conflicting messages being told to me and, at this point, I have received credit for XXXX of the XXXX disputed charges. Beyond the annoyance of having to track and manage this issue on my own because Citibank got it wrong the first time, I fear their fraud detection and case management processes and/or people are proving ineffective.
i have submitted 3 letters to three different debt collectors concerning my debt and they have not response nor deleted the items from my credit report. The first letters went out onXX/XX/XXXX..XXXX XXXX   XXXX  XXXX..certification number is XXXX ... ... ... next was Transunion ... XXXX ... ..XXXX  XXXX ... ..XXXX XXXX ( 2 ) ... XXXX..no response and sent the next set of letters on XX/XX/XXXX ... XXXX XXXX..XXXX  ... XXXX XXXX ( 2 ) ..XXXX ... XXXX XXXX   XXXX XXXX..XXXX ... no response.they have violated the law by not responding within the 30 days and actions should be taken.
XXXX XXXX XXXX Account by CCSThis is wife 's debt that I have been handlingCCS agreed to remove a collection account from the credit bureaus if I paid in full. 
I paid in full and it is being reported as a paid collection as of XXXX/XXXX/15 which is not what was agreed to. 

I was called by XXXX XXXX from CCS at XXXX XXXX/XXXX/15. 
He instructed me to call the XXXX Law firm as they had the file and to make payment arrangements with them and then CCS would delete. 

I called XXXX XXXX at XXXX XXXX XXXX/XXXX/15 to discuss payment and was told that they would notify CCS of the payment but did not control what was reported to credit bureaus. 

I called CCS back at XXXX at XXXX XXXX/XXXX/15 ( 11 minute call XXXX to make sure that the agreement was to delete the trade line at the 3 credit bureaus, not just report them as a paid collection. I spoke to the first gentleman who answered the phone ( I do not have his name ) and he finally transferred me to XXXX who assured me that this would be deleted. 

I called the original creditor XXXX at XXXX XXXX at XXXX XXXX/XXXX/15 to verify it was OK to pay law firm. She confirmed and also stated that she would send a letter to CCS requesting deletion from credit bureau also if they wanted it. 

I called XXXX XXXX at XXXX XXXX/XXXX/15 and made payment. 

I received a phone call form XXXX XXXX at XXXX on XXXX/XXXX/15 in regards to an email explaining the incorrect reporting. He told me that after his supervisor listened to the recording on XXXX/XXXX/15 at XXXX that no mention of deleting the trade line after payment in full was discussed. 

I told him to listen to the 2nd call that we had that day at XXXX that I made before paying to make sure of the tradeline deletion. He had his supervisor listen and came back on the line and said it would be deleted and that there was some mistake. 

Filed BBB complaint XXXX. They responded XXXX that they submitted for deletion on XXXX but we have no control over CRA timetable for updating. 

I rejected their response and requested confirmation numbers for the deletion request.. 

They responded XXXX saying they will resubmit but we have no control over CRA timetable. No confirmation numbers given like I asked. 

As of XXXX it has not been deleted as agreed.
I have been notified tht Huntington Mortgage has filed a lawsuit against me. I have never had a mortgage with Huntington at all. 

I was the executor of the estate of XXXX XXXX XXXX who died in XXXX. At that time, I contacted the bank to receive information as to how to dispose of the property. 

I eventually was able to ascertain how to sell the property and then recontact the mortgage holder to sell the property in accordance with the inheritors wishes. 

The Huntington would not provide anyone with the accurate pay off balance and even after being contacted by the attorney handling the sale, would not provide any information to anyone. They filed a lawsuit to foreclose on the property on XXXX XXXX, when the property was sold on XXXX XXXX. The purchase was made in person to the Huntington Mortgage office located at XXXX XXXX XXXX, XXXX, Ohio XXXX I have received harassing telephone calls from Huntington Mortgage and they STILL would not provide the me the information necessary to dispose of the property. On the advice of cousel, we sold the property on XXXX XXXX XXXX and this was done via a certified cashier 's check.
I phoned my mortgage company, Amerihome, today. I was harassed and mistreated beyond my level of comprehension. The phone representative made threats and posited herself in a very aggressive manner as though she was bullying me. This was all because I wanted to make a mortgage payment as I was locked out of my account. The woman 's last name was XXXX and her ID was XXXX. 

I did not pick Amerihome ; they bought my mortgage from XXXX.
My wife has been receiving multiple calls daily for the past 2 weeks. On XX/XX/2018 I spoke to the company about a debit that I owed. When I asked for a verification letter they stated they have sent multiple notices in the mail, none of which I have received. Constant phone calls threating to garnish my wife 's swages and I only have one day left to accept the settlement. I have not heard anything about this debit from the original creditor in over a year. If they sent a verification of debit I would happily pay it, but until then I will not pay some company that I have no idea about nor trust. I am currently going through the XXXX process so having threating calls about garnishing wages really frustrates me. I know its my debit but I am getting no assurance from this company that its not some sort of scam they are trying to pull on me.
I received my loan online and make all my payments online, I never call in. I paid the account off in full per the amount on the website, then 2 days later they hit me with a {$7.00}. I paid that, then they hit me with a {$.00} charge. They wont give me a payoff over the phone and the one online is incorrect, they say they can only " Mail Me '' a payoff ( To collect further interest I assume ''. BEST EGG is an online lender that wont give accurate payoffs on the same site that you can actually the the payoff.
JH PORT or whoever this is are reporting a collection debt that is not mine. I was a victim of identity theft and sent them the appropriate documentation as instructed from the FTC & XXXX XXXX. 

Please assist. Thanks XXXX
On XX/XX/2018 I sent in all required documents to dispute an Identity theft which occured on my personal profile yet I received nothing in return for any of the major Credit Repair Agencies, I am at a lost of how to resolve this issue as this theft has ruin my life.
I received on XXXX/XXXX/XXXX a letter from XXXX XXXX, XXXX. of the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The letter is attached. In it are listed additional fees, including property inspections, valuations, " XXXX Membership Fees, '' which, if XXXX reviews this case over the last year, and the relevant actions of Key Bank and the XXXX, are unreasonable collection expenses, in violation of our loan agreement, but also are being assessed BEFORE foreclosure and before case mediation, in violation of NYS law, I believe, CPLR Sec. XXXX, but I might be confusing this section of law with another. Please see my complaint dated XXXX/XXXX/XXXX for the correct citation. This action also has the effect of destroying equity, in violation of XXXX 's prohibition against predatory servicing and how " equity stripping '' was viewed by the XXXX of XXXX of XXXX and is now viewed by the CFPB. 

I spoke with XXXX XXXX on XXXX/XXXX/XXXX, and she is researching Key Bank 's obligation to provide a named Key Bank employee with the authority to negotiate a workout, something that will be required of Key Bank in the foreclosure process. I want to be clear about this obligation, because I do not think I was clear with XXXX XXXX in our phone conversation. Only the president of a corporation - outside any specific delegation - has the authority to negotiate a contract for the corporation. I do n't think XXXX XXXX XXXX is planning on negotiating for Key Bank, so Key Bank must delegate that authority to someone, whether it be XXXX XXXX, who is the regulatory contact for the CFPB, or someone else. It CAN NOT be Key Bank 's attorney, which is what XXXX XXXX XXXX represented to me in our phone conversation of XXXX/XXXX/XXXX. Indeed, XXXX XXXX 's professional ethics would prevent her from acting as a principal ; she may only act as an advisor to Key Bank. I am still awaiting the identification of this employee at Key Bank and have been waiting now for over a year.
The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.
I have XXXX collection accounts, That i paid with the agreement to delete after payment was recieved through certified mail with the collection agencys. I am still seeing them on my reports speaking with a repersenative at transunion and XXXX both told me they had not recieved anything to change my report, I would have to send them a copy of the agreement, I have done as they asked and still no response, They have not been helpfull. XXXX XXXX XXXX XXXX XXXX, XXXX {$250.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX reported XX/XX/2015
XXXX XXXX XXXX on XX/XX/XXXX is showing 4 times on my Experian credit file for web loan with different PO Boxes and address. I have not applied nor no this company. I have also opt out since XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX opt out of sharing or any promotions and this should not be showing on my credit file. Experian is violating my rights after mailing them an opt out and selling or agreed with XXXX XXXX XXXX I also want to seek damages on Experian for allowing this to happen. I also want damages from XXXX XXXX XXXX there deceptive practices. 
Experian Report # XXXX for XX/XX/XXXX page 14 of 16
I am a victim of Identity Theft I sent Experian an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. Experian is also reporting the same account ( XXXX XXXX XXXX ) XXXX under XXXX different account numbers
My former mortgage company was bought out by Ditech effective XXXX, 2016. I called Ditech to set up automatic withdrawals on the XXXX of each month. XX/XX/XXXX and XX/XX/XXXX, both withdrawals were n't taken until the latter part of the month. Somehow Ditech applied the XX/XX/XXXX payment towards the principal only, claiming I made two payments in XX/XX/XXXX. Not! XX/XX/XXXX, I cancelled the automatic withdrawals, and made an electronic payment online. Ditech claims they never received my XXXX payment. They even withdrew my capability to make an electronic payment after that. I filed a dispute with Ditech on XXXX XXXX, and attached my XX/XX/XXXX checking account statement, indicating Ditech 's withdrawal in my statement. I wrote a personal check for XX/XX/XXXX and XX/XX/XXXX 's mortgage payment. The XX/XX/XXXX payment was acknowledged, and I am awaiting the XX/XX/XXXX acknowledgement. In the meantime, my stellar credit score went down XXXX points! Ditech strips you of your dignity and intelligence. It is my hope that I receive more than a rote automated response from Ditech. How can they NOT take responsibility for their errors, when the evidence is clearly there? My next step is to contact an attorney and see that Ditech does not continue to thwart their responsibilities as a reputable loaner. This is just the beginning.
I pulled my credit report and I could not believe the items that was there. I had no knowledge of so many accounts! It was amazing to me. I always heard that this type of thing could happen but did not think it could happen to me. I reached out to the creditors to clear my name and they would not move, but instead they asked me for money. These Please help me to resolve these very costly mistakes. They are preventing me from living the life I have worked so hard to obtain. There are several accounts including   XXXX   XXXX   XXXX  . I have no knowledge of any progressive account that I 've ever had and this is not my debt. There is a frontier communication account that I have no knowledge of. Please me to resolve these issues as well. Many inquiries and I am just sickened when I see so many knowing that I never authorized them. Please help!
There are inquiries from   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  , and  XXXX . Please let me know how these companies have the right to place inquiries on my account with no authorization. Please just help me to resolve these errors.
I never got a mortgage with XXXX XXXX XXXX XXXX and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened dateXX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment XX/XX/XXXX
This company violated not only my trust but the law multiple times but the most recent event occurred on or around XX/XX/2019. On this date I received one of the many calls from Navient in regards to my private student loan. I spoke to a female representative in total around 30-40 min. I asked very specific questions in regards to bringing my loan current, and because of the the representatives response to those questions I decided to enter a payment plan. I paid a total of {$230.00} though the phone that day. 
A few days later ( After payment ) I realized responses to those questions were incorrect, misleading, and flat out lies. To name a few, 1. One I paid my account would automatically be brought current, and would be reported to credit bureaus. 
( turned out to just be misleading information given in order to collect payment ) In reality it would only be brought current after 3 payments 2. The payment I was making would cover all my loans ( minus Federal ones ) including the ones connected to a co signer. 
( Again Lies ) I was initially outraged by the blatant misrepresentation. I contacted Navients ' consumer advocate department as well as sent a letter outlying misleading acts to XXXX XXXX ( XXXX ). No response from XXXX ( as expected ) but the consumer advocate department reviewed the call and agreed that I had been given false information in order to collect the debt. But told me there was nothing they would do. 

I am very familiar with the FDCPA. I know that Navient is clearly in violation. I have gone through them to correct their mistake and they refuse. My problem is that I am concerned that they could be doing this to thousands of other loan holders.
On XX/XX/2018 I submitted a certified letter to Experian asking them to provide me with the details involving their verification procedures. On XX/XX/2018 Experian says that they have completed their investigation process and they have found the accounts to be verified. Experian failed to provide me with information on how they how they went about their investigation process in order to verify the 2 XXXX accounts in question.
I own a Macys/star rewards credit card. The card carries an interest rate of 25.74 %. I recently had a balance of {$340.00} on the card. Macys received payment of the balance in full on XXXX/XXXX/17 per my XXXX credit statement. On the same statement, Macys charged me 25.74 % interest on XXXX/XXXX/17 on a balance of {$300.00}. They added the interest total to new purchases ( made on XXXX/XXXX/17 ) due on XXXX/XXXX/17. I called Macys to question why they would charge me interest on a bill amount that was paid in full before interest was accrued. XXXX, the Macy representative, I spoke with on XXXX/XXXX/17 @ XXXX CST, told me she would immediately remove the interest from my account and I should wait a few days to see the credit. This is actually the second time Macys has charged me interest on a XXXX balance. When I called to complain the first time, which was 3 years ago, I was told it was a " computer glitch '' and I was credited. My complaint is if I do n't call to complain, Macy overcharges me in interest. They are aware of the computer glitch problem and I do n't believe I am the only person they are overcharging, I am just one customer that is paying attention to their bill.
During an extreme financial emergency, including fraud and other unexpected tragedies, we were having difficult making payments on time. Ford Motor Credit Co. called an offered to assist us by putting two payments at the end of the loan. During the call we, my husbands wheelchair had just stopped working while in the yard, and did not understand the terms of this offer, which sounded to him as though it was something to help us ( he was in the middle of trying to get his wheelchair to work ). Later we learned the interest rate not only increased substantially, but now was compounded daily, putting us much further in the rear. I called requesting assistance with the extreme added charges due to not understanding what the penalties were be, the offer was not explained in a matter that was understood. I was told to call back and that they would help, when I called back, I was denied any assistance. It took 7 years to pay off a 5 year loan. I will mail a completed report of the charges, I have requested from Ford. I believe that it was intended to defraud the consumer masked as assistance when needing it was needed the most. This should be illegal to defraud the consumer and should be addressed. We are on a fixed income in the middle of extreme hardship when, Ford called us, and took advantage of our misfortune addeding to our financial hardship.They intentionally mislead us.
I have disputed with Experian several times about my bankruptcy. They are reporting it incorrectly. I have submitted documentation and they will not delete this INACCURACY. I have asked for method of verification, all Experian has sent has been stall tactic letters. I want this deleted. Experian need to follow the federal laws. They ca n't be verifying this information for the bankruptcy. The address is wrong and there is no phone number to call. I want this deleted.