WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/XXXX a payment was posted to Resurgent Capital Service. i received a recipe stated that the payment was posted and the bal was XXXX so when i called to pay it off i was told that it was not the correct balance and the balance on the letter was a computer error this was told to me by someone saying he was a supervisor. but after talking to another supervisor for Resurgent Capital she said that the {$740.00} is what she see that was owe on the account and she couldnt get into see the account that i need to talk to the server of the account. so i explained that i was going to contact a lawyer because ii didnt want to mess up my credit for them trying to collect what not on the recipe.wahts on the letter is what i should pay since it came from Resurgent capital.its bad enough that they post that i was late in XX/XX/XXXXon a payment and reported it to the credit reporting when i ask why all they said was it didnt reach them in time and it was the timing not the date so that put me 30 day past due and its nothing they can do to remove it after i ask can the do a goodwill removal i was told no. when i pay this account i will never have anything else to do with this company i am going to file a law suit if not resolved. account # XXXX. R ESURGENT # XXXX.
I have a NetSpend premier card for my payroll direct deposit. My paydyis on Monday. I have used the same card for nine months and usually get my deposit on Sunday night. On XX/XX/2018 I did not receive a direct deposit. NetSpend said it was an issue with my job not sending a deposit. I talked to my job who emailed our payroll. My payroll then sent an email to my job from NetSpend that said there was an issue with the bank and my deposit would be made no later than XXXX XXXX on Monday XX/XX/XXXX. At XXXX XXXX still no deposit I called NetSpend who tried to tell me again that my payroll never sent a deposit and when I told them my job got an email from them saying there was an issue with the bank they changed their story apologized and said XXXX had maintenance issues and it would be deposited no later than XXXX. At XXXX still nothing. NetSpend then said the deposit was for sure going to be posted before midnight. It is now XXXX XXXX Tuesday XX/XX/XXXX and still nothing. NetSpend is now saying they are working on the problem at XXXX. XXXX says they do not have an email on the deposit. And since this morning XXXX has disconnected the phone lines. XXXX says it's an issue with the federal reserve. The federal reserve says it's an issue with XXXX. I have bills due. Rent due and still no paycheck. My deposit was for {$300.00}.
In XX/XX/2015 I purchased a XXXX XXXX from XXXX XXXX  from XXXX XXXX  with a service contract costing me {$2500.00}. The car was in an accident and was determined by the insurance company to be a total loss. I ended up going back to XXXX to refinance another vehicle. XXXX never reimbursed my service contract. The car was finance for over 6 years and I owned the car for about a year and never really used the service contract. In which XXXX   never offered a rental. I then got another XXXX XXXX from XXXX. The financing now had an interest rate of almost 20 %, but I needed the vehicle. I also got another service plan for {$1800.00}. Unfortunately this car got in an accident and claimed a total loss and again XXXX XXXX kept my service contract money. This car was owned a little more than a year. I find {$4300.00} is a lot of my money to keep. This needed to be reported. I can supply any documentation needed to stop this type of stealing from customers.

Thank you, XXXX XXXX
Hello, The 90 days late from Fed Loan Servicing is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a XXXX year sucessuful repayment rehabilitation loan program, Fed Loan sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX
Equifax Information Services LLC. is incorrectly reporting my father 's bankruptcy on my credit report. My father and I share the same name, except I use the XXXX suffix. My father does not use a suffix. My father filed for Chapter XXXX Bankruptcy in XX/XX/2016 and Equifax has incorrectly assigned the Public Record to my credit report. I have never filed bankruptcy and this credit reporting agency is incorrectly providing slanderous information to lenders and I am unable to buy a car, buy a home, or receive any lines of credit because of this incorrectly reported bankruptcy. 

I have filed multiple disputes with Equifax. By phone, by fax, and by Certified Mail. Equifax has taken no action to rectify the information on my credit report. 

They are incorrectly reporting my father 's bankruptcy, incorrectly excluding the XXXX suffix from my name, and incorrectly assigning my father 's address as a previous address on my record.
I called Experian this evening @ around XXXX and spoke with a gentleman XXXX, he would not give me his last name or his ID information. I called with reference to a couple credit items listed on my report 1. ) XXXX - Acct # XXXX, 2. ) XXXX- Acct # XXXX as well as 3. ) XXXX XXXX XXXX Acct # XXXX, I advised XXXX that I would like to dispute these items and he said he would NOT because they have been previously disputed. I then asked XXXX, I thought it was my right and he said they reporting company has verified these several times and they will NOT be deleted nor will he open a new investigation. I thought it was my right under the FCRA ( Fair Credit Reporting Act ) to challenge items listed if they were not mine. I then proceeded to ask him they I wanted him ( Experian ) to VALIDATE these items and he said Experian does not provide VALIDATION they only report what the Creditor ask them to report. So, then I ask about SEVERAL Inquiries listed on, my report that are not mine and he again told me INQUIRIES CAN NOT be removed nor can tey be disputed. So, it is my understating from XXXX that Experian will NOT investigate items on my report nor will they investigate inquiries that are not mine. I need some assistance with this as this is not what is outline by the FCRA as I read it. If this is indeed the case please send me where in the FCRA stated that a credit reporting agency does not have to dispute or validate info that the consumer feels is incorrect. 

With all due respect, please advise as your earliest convenience.
First let me clarify that this is the same complaint statement that I 've submitted for XXXX Clarity, XXXX and now CoreLogic/ I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are XXXX XXXX, CoreLogic and XXXX. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with XXXX on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact XXXX and XXXX to do the same. XXXX and XXXX has not. Ive attached the email from XXXX, the dispute results from XXXX ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. CoreLogic, XXXX, XXXX, and XXXX My last dispute was with XXXX on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.
I bought something with my credit card from a merchant and had a dispute. The merchant sent me the wrong item. My credit card company asked me to fax information. I let them know that I only have email and no fax. They said that they would pursue the claim without that information and if it fails, they would still reimburse me {$30.00}. I called to check on this. After waiting nearly an hour, I spoke to a representative that told me that they never offered to pay me {$30.00} for the incident. Instead, they would close the case without any resolution. At the moment, they have allowed a merchant to get away with theft.
I am disputing an inaccuracy on my credit report, The account ( XXXX XXXX ) is still showing on my XXXX report and should be removed due to the age of the account. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX, and a decade later is still currently showing on my 3 credit reports and would like the vendor to remove it.
I have been communicating with Bank of America since XX/XX/XXXX regarding a temporary financial hardship. My mother was ill and then died, leaving me with paying her bills until I could sell her house. XXXX XXXX delayed things further. All this time I had been communicating with Bank of America via written correspondence and providing whatever documentation they needed. In spite of this, they began foreclosure proceedings. My estate attorney permitted me to do a partial distribution of the estate funds on or about XX/XX/XXXX. I sent Bank of America a payment of {$7200.00} " to catch up '' on missed payments. They returned the check to me. The foreclosure proceedings continued and a date was set. On XX/XX/XXXX I sent a cashier 's check for {$13000.00} and that also was returned because " the amount was not correct '' even though I had VERIFIED by phone the amount with a Bank of America employee. At this point I have to wait for the cashier 's check to be returned to get ANOTHER cashier 's check. My foreclosure date is XX/XX/XXXX. All of this back and forth " cat and mouse '' game is going to cause me to become HOMELESS! Plus, I am working TWO jobs. So having to leave work to get a cashier 's check and then also to go to a XXXX XXXX sending point to mail the payment overnight is causing me to lose time from work! All of this XXXX is causing me to become XXXX XXXX!
I am XXXX XXXX XXXX and Transunion is charging {$5.00} every time I want to lift a freeze temporarily on my Transunion Credit report. XXXX and XXXX don't seem to do this. 
Given the breach of these reporting agencies this should not be allowed in my opinion. 
Thanks,
On XXXX XXXX 2011, I decided to attend XXXX XXXX in XXXX MI to attain a XXXX. Upon entering this campus to sign paperwork for submission, I was surprised to see that there was a loan officer with the XXXX representative. As we hurriedly did the XXXX paperwork, the loan officer was taking my information as well. I was real uncomfortable with taking out a private loan that I felt I was rushed into. But I went with it since I wanted the education. She ran my credit I was pre-approved for {$8500.00} at 6.8 %. I was told that I 'd have {$20.00} in school payment amount and {$100.00} when I graduated. My husband would be the sole provider of income for our XXXX yr old son and unborn daughter during the 11 month long program. Little did I know that {$20.00} would be hard to come by. I will never forget the day I was in class listening to lecture and the next thing I know the door opens and someone calls my name. So I get up to meet the woman in the hallway. She said, " You are behind in your payments and you have to make a payment now or you ca n't go back to class. '' So I made my payment and she let me go but since the door locks when closed I could n't get back in until there was a break. It was over an hour. That never happened to me again but it happened to other students constantly. The teacher even said XXXX day when it happened to another student, " You got ta take care of your business or you ca n't come back. '' Little did I know about the loan I was coerced into taking was n't what I thought it was. It was XXXX loans, Note XXXX principal XXXX XXXX principal XXXX with a grand total balance of {$16000.00} at 14.9 %. My monthly payments are {$350.00}. It is very difficult to pay this now and provide for a family. I have paid {$3400.00} in interest and I still owe {$9200.00} in total balance. I understand that {$20.00} a month sky rocketed my interest but I could n't work while in school and I feel that this Genesis Lending took advantage of this. They bate you with the 6.8 % interest and when you actually see your real rate there is nothing you can do unless you want to put off school for another year. I 've tried to lower my rate but they do nothing to help you. I just feel buried in this debt and causes a real burden on my family.
I applied for this payday loan but the interes charges are too high. the amount I applied for was XXXX and they have been taking money from my back account every payday. I need help. the interest rate is XXXX % for a total of {$1600.00}. I think they are stealing from me. this is not supposed to be so high!! htey did not tell me that when they called me.
A recording on XX/XX/XXXX, Citibank and Borrower, XXXX XXXX XXXX, created an equity line of credit for {$130000.00} on my property : XXXX XXXX XXXX XXXX, # XXXX in XXXX XXXX, California XXXX. Loan #  XXXX. 

My name is XXXX XXXX XXXX, the current owner of said-residence above. XXXX XXXX sold this property to me and it was transferred to me on XX/XX/XXXX. There were no records of the Line of Credit that XXXX XXXX and Citibank had created a month before she sold the house to me. There were no public records of the HELOC during escrow nor after. It was recorded by Citibank on XX/XX/XXXX. 

Unbeknownst to me, I have agreed to sell this property to Buyer : XXXX XXXX and it was scheduled to close tomorrow XX/XX/XXXX. However, we are blocked by this cloud on my condo and I tried to reach XXXX XXXX to no avail. Then, we have our Title Officer, XXXX XXXX faxed over the Deed of Trust to CitiBank XXXX XX/XX/XXXX/XX/XX/XXXX, as suggested by their customer service, yesterday. By policy Lenders would not talk to anyone of us but XXXX XXXX. The previous title company can not get involve due to the recording of the Deed of Trust. It was recorded 6 months after the Transfer Date. So far, we have not heard from Citibank. 

We now have a big problem on our hand. Buyer, XXXX XXXX, has made plan to move in after tomorrow. I need this cloud on my property to be remove, ponto! 

Can you please call Citibank XXXX, opt. XXXX ( when they ask for loan #, XXXX XXXX # XXXX # XXXX #. ) Please contact me, XXXX to let me know that you have received this complaint. Today, if not sooner! Email : XXXX. 

I will appreciate your prompt attention to this matter.
I have had multiple incidents with this bank in the past couple of weeks. On XXXX XXXX, 2016 my account went negative XXXX. On XXXX XXXX, I was charged an overdraft fee of {$37.00}. In charging that overdraft fee, they made my account negative {$18.00}. So in turn they received an additional overdraft fee of {$37.00} on XXXX XXXX, 2016. 
Now on XXXX XXXX, 2016 I was charged XXXX unavailable funds fees for funds that I transferred from another account at the same bank. So they did not make the funds available in my account right away even though it should have been because a transfer from the same bank should be treated like cash. They are crediting a transfer that I did on XXXX XXXX on XXXX XXXX. Then charged me XXXX unavailable funds fees on top of it of for {$37.00} each. Never once does the customer facing site show unavailable funds. He had to do research on the back end to figure out what the issue was. My account was not negative. They are charging me unavailable funds fees when cash should be available right away.
XXXX  and TransUnion credit services are reporting different account histories. TransUnion is reporting from XX/XX/XXXX to current, while XXXX is reporting back to XX/XX/XXXX with alot of undetermined payments statuses. XXXX  is also reporting more than 150 day late from XX/XX/XXXX to XX/XX/XXXX, while TransUnion is less days late. XXXX said XXXX must send them corrections. I shouldn't have 7 years on my record and they records should match. This is negatively affecting my credit score and impacting my daily life/livelihood.
On XX/XX/XXXX WAKEFIELD & ASSOCIATES posted on my credit report a late payment and collections account. Never recieived a phone call or letter from them for XX/XX/XXXX until XX/XX/XXXX when they reported to credit bureau. On XX/XX/XXXX I faxed a letter to verify the debt with them. On XX/XX/XXXX called and verified they had received my fax and it would be a week or 2 before they would be sending out verification. They stated they are having issues getting information to verify my debt with the original party. Contacted XXXX XXXX XXXX/XXXX the original party and they have no account for me by name or ssn.
XX/XX/2018 amount of {$5400.00} XX/XX/2018 {$7400.00} XX/XX/2018 {$4100.00} placed on credit report and affecting my ability to refinance home as well as get my credit together.
My father had a reverse mortgage wit h Champion. He pa ssed away in   XXXX   XXXX  . As his executrix of the estate, I have been working with Champion Mortgage to settle the outstanding debt and have informed them of my intent to submit the deed in lieu of foreclosure. I submitted the deed in lieu form on   XXXX   XXXX   XXXX  . While the deed in lieu of foreclosure option is being pursued,  Champion  contacted an attorney and started the filing of a foreclosure claim. The attorney,  XXXX   XXXX  in  XXXX , NY served me with the foreclosure action and left the document without an envelope with the doorman of my apartment building. The attorney followed up with a  2 p age letter of the suit sent to me in an envelope, then the letter with the attachments was separately mailed in an envelope marked personal and confidential, and finally a copy was sent in an envelope to my father 's address, which was forwarded to me.Therefore, the attorney intended all along to submit the documents via an envelope. So leaving a foreclosure suit in this manner with a doorman was done blatantly to embarrass. This action was quite unnecessary. I am extremely displeased that something so personal was left without an envelope with a doorman of an apartment building. My husband is on our co-op board and this personal information could have inadvertently been viewed by other members of the board. While I am listed as a defendant in the foreclosure suit as an heir, I am not personally liable for the debt. It is very distressing knowing that I am being fully cooperative with  Champion and have stated my intent to provide the deed. Even though the complaint is not really against Champion,  I thought this matter was something that should be raised to the CFPB 's attention.
I keep getting bounced from department to department. I filled out all required forms and documentation and sent to NFCU, including their affidavit of forgery. I never had any products with NFCU yet nobody seems to be able to help. Every time I call they keep pulling up accounts that someone opened using my identity.
I DONTAED A XXXX TO XXXX XXXX ON XXXX THE VEHICLE WAS TOWED AT ONE POINT AFTER I HAD DONATED IT. THE TOWING COMPANY, XXXX XXXX XXXX, IS TRYING TO HOLD ME RESPONSIBLE AND SENT THE ACCOUNT TO THE COLLECTION AGENCY AT CREDIT REGULATING SERVICES, INC IN XXXX, CA. XXXX. THE VEHICLE WAS TOWED AFTER I DONATED IT TO THE ABOVE MENTIONED INDIVIDUAL. THIS HAS AFFECTED MY CREDIT. I DID NOT KNOW THAT THE VEHICLE WAS TOWED SINCE IT NO LONGER BELONGED TO ME UNTIL I RECEIVED A COLLECTION LETTER.
I took out a mortgage for $ XXXX with XXXX XXXX XXXX. I made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the Mortgage Electronic Registration Systems , Inc. tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX tried again to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX another fake servicer called Caliber Home Loans attempted to assign my deed of trust again. ( Exhibit B ). My deed of trust on p. 24 specifically states that only the LENDER can substitute the Trustee. None of these companies are the LENDER.The companies have not sent my Attorney the requested documentation. ( Letter dated XXXX/XXXX/XXXX ). They have not given me an updated running balance of all payments made to date which leads me to believe all this is fraud and would like for the CFPB to intervene.
I hit a rough spot and became unable to pay for simple things needed for everyday life. I asked for the automatic payments that were set up to be held after the bank tolde chances are they are not licensed to lend in Wyoming. Which after much research they are not licensed. They continually call me from numbers that are n't associated with the company. I am just wanting to pay off the remaining principal in installments. They will not contacte regarding this via email as I requested.
XX/XX/XXXX - XX/XX/XXXX I, XXXX XXXX have spent ( 1500 ) Hours on Identity Theft Solutions " working '' with the Credit Bureaus, Executives at Banks, Information Removals, Opt-Outs and Government Agencies. 

Since, XX/XX/XXXX my ' Bank ( Washington Federal ) is not. " TrustWorthy '' that is ' as, an XXXX Recipient. 

Made Causes for Reissuing Debit Cards Made Causes for Reoccurring Disputes Domestic UnLawful Activity Domestic Force Domestic Finance
I have a mortgage with Wells Fargo. In XXXX, I fell into hardship. I filed a chapter XXXX and also applied for a loan modification. I was approved and paid my trial payments. Afterwards, I was told to sit tight and not make any payments until I received the paperwork. A year later, I received the terms which was only deferring the arrears. My BK attorney advised I didnt have to proceed and we proceeded to include the arraers in my BK. However, I was told I couldnt include all of the arrears and had to come up with $ XXXX to stop them for foreclosing. I did but it has drained me and out me in even worse position in that as soon as I get a liitle behind the threaten to foreclose when they are the ones who took an entire year with the modification. The judge agreed to allow some of the arrears which is being paid thru my BK payment and comes out of my check. Their tactics are terrible and unfair. If I didnt want my home I wouldnt deplete my funds and woukd have walked away like thousands do every day. I dont see how this is right!!!
XXXX XXXX XXXX XXXX XXXX XXXX, GA. The above company repossessed my XXXX XXXX XXXX. I was XXXX  on a XXXX  XXXX in XXXX, GA. While XXXX by XXXX   attorneys some XXXX people at XXXX XXXX  repossessed my car. I asked the employees at XXXX XXXX to give me the amount to reinstate my loan 3 times on XX/XX/2017.  Three different employees told me that they did not have to follow the law. They proceeded to state that they will not tell me when and where to pick up my car. Please, help me locate my car and please investigate XXXX XXXX  for XXXX. P.S By law XXXX XXXX is supposed to give me 30 days to get my car back. XXXX!