WillisBack/dataset-financial-user-claim huggingface dataset:
I opened an account in XX/XX/XXXX with ToysRus/ Synchony Bank . I tried making several payments inXX/XX/XXXXand XX/XX/XXXX on this new account. Both payments were returned to me as the new account was closed. I called customer services of ToysRus/ Synchony Bank to complain that my payments are not being accepted. I was informed by customer services that my original account was inadvertently closed and that I will be issued a new account. I was issued a new account ( # XXXX ). I made a payment inXX/XX/XXXX via customer services. XX/XX/XXXX I was notified that my account was delinquent. This mix up with my account with ToysRus/ Synchony Bank is more their doing, as I made attempts to make payments and they closed the account unbeknownst to me. My credit has recently declined because this account with ToysRus/ Synchony Bank is listed as a delinquent account.
My son opened an account with XXXX cable. He added me as a contact on the account. He is a XXXX  and had to change homes due to his mobility. He was sent bills but they never reached him. So the company reached out to me to pay the bill. They said I was on the account. I told them originally I would not pay the bill since it was not mine. About 30days later I contacted the company letting them know I would pay the bill as long as it did not show on my credit report. The customer service personell said she would send me a letter stating that fact. She said I only had to pay this amount {$330.00} to XXXX XXXX and they would not put anything negative on my account. But they and said I owed the balance of {$170.00}. When I tried to reach out both XXXX and Convergent, they give me the run around. Neither says they took the paymant that they both can see on the account. Also, there is a balance, again I was told this would not show up on my credit score. Now everyone at either company say they didnt talk to me, but the payment was there and it is showing on my credit. They both continue to put me on hold and eventually the phone hangs up. I have called three times being on the phone for an hour or more each time.
My credit car utilization was supposed to go up it did but my points went down instead of going up that 's an error and some of the creditors are being investigated there for with no change on my report except that I paid my credit card on time and my utilization went up it should have eather stag the same or gone up.
On XX/XX/2018 from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX requesting payment of {$810.00} for proclaimed damages to a rental car that I rented from XXXX XXXX XXXX XXXX on XX/XX/2018 and returned XX/XX/2018. 

This car was not damaged when I returned it. I walked around the car with the agent who checked in my vehicle. When the vehicle was checked in, it did not have any damage. The Viking agent sent pictures of a vehicle with a large dent from a yellow pole on the passenger rear door. This automobile was not damaged upon my return of the vehicle to XXXX. 

If there was damage, why was it not identified by the agent and myself while checking the vehicle in. Also, if there was damage, why would it take seven weeks to present the invoice to me? I spoke to XXXX XXXX from Viking and explained to her that I did not damage the vehicle. She stated that my car insurance or credit card will just pay for it. 

I did not damage this vehicle. This is a scam! 

XXXX XXXX
Equifax seems to have mingled my information with someone else 's or could be another problem. There was an item on my report that I have disputed but I can not sign in to check on the status for the last five months. Everytime I try to sign on to Equifax online they say the info does not match their records even though I know it is correct. I can see through XXXX XXXX   that they are still saying I have an account in collection even though I do not. I disputed over the phone but can not get a live person to help check the status of the dispute and I can not see my information on the Equifax site because it will not let me sign in. I did tell them three times, once in XX/XX/XXXX, once in XX/XX/XXXX and once in XX/XX/XXXX that the site was not letting me sign in and either blocking me altogether or asking about laons I have never had but never actually letting me in. They have promised to send something in the mail and I have still not received anything and they still have an item as in collection although I have none. I can't reach anyone to help or follow up and they keep sending me in circles while my credit score suffers. This has been goin on since XX/XX/XXXX.
I had credit score of XXXX  on XX/XX/XXXX and as of yesterday it drop to XXXX my statement came out on XX/XX/XXXX for XXXX XXXX  credit card. The payment is due on XX/XX/XXXX. I called them they say the report what is due on statement on XXXX XXXX the credit bureau change reports want to made by really now they said I need to wait 10 days To see if the credit bureau fix it Most card card company reports after the due date not on statement reporting day They did also to my husband his drop 87 point
Apparently Wells Fargo, who does not own my home nor anyone else for that matter, has sold my home at XXXX New York XXXX. I have been asking for proof as to has my mortgage and original promissory note and all I receive are these botched papers that are not true or even legal. XXXX who I pay my electric and water to, has switched my bill over to the gentleman who claims to have bought my home. I have received nothing in writing from anyone on this and have not even received any kind of paperwork from a bank, attorney, court or otherwise.I have had it with this, i am a consumer and my rights are supposed to be upheld and look how far this has gone. i demand to have my rights taken in to consideration. As far as I am concerned, this is theft and fraud and someone needs to answer.
My first is XXXX, Last name : XXXX XXXX last XXXX digit of my social XXXX XXXX, XXXX XXXX am residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.This address is commonly known as XXXX XXXX XXXX XXXX XXXX, NY XXXX address was wrongfully reported by capitalone as XXXX XXXX XXXX XXXX XXXX, NY XXXX which does n't match with what XXXX, XXXX , XXXX have on file.In order to fix the issues I spoke to capitalone supervisors, unfortunately they could n't help me to update my real address.I spoke to XXXX XXXX XXXX XXXX is capitalone supervisor.Currently there is fraud alert placed on my equifax, XXXX, XXXX credit report.I 've been victim of identity theft XXXX in less than six months.Capitalone customer service was helpless.I am US citizen, it should n't be some citizens with half rights.Best regards.
I purchased 2 floor sweepers from XXXX XXXX XXXX for a total of {$2000.00} on XX/XX/2018. My credit card was charged immediately but I never received the sweepers. They were alledgedly shipped by XXXX XXXX and signed with a unreadable signature that the driver wrote in as XXXX  ; we have nobody of that name working here. The XXXX company was of very little help and said it was not their problem. After contacting both merchant and XXXX XXXX to no avail I contacted mu Citi Visa to dispute the charges. They came back and denied my dispute because they said someone signed for it. This is just not right on my part as they should at least standby me in a case like. That is why I am filing this complaint now against Citi visa to credit my account for merchandise that I never received. I will follow with more additional info attached.
Chase Bank reported late payment on my credit report even though the entire loan was fully satisfied with 9 days as I was in escrow to sell the house. I had the mortgage loans for 10 years and have never been late. Now I am getting penalized, my credit is damaged as I am unable to get a loan for the next 2 years with a reasonably affordable rate. Chase is unwilling to provide me with a letter of explanation of any sort. I do n't think Chase should have the right to provide this type of punishment to borrowers. As a single mom, it is getting tougher and tougher to survive. At the time ex husband refused to pay any child support or provide any assistance to pay the mortgage. I was only late because the house was already in escrow to sell. Banks should not have the power to ruin a consumer 's credit. Especially when I was current 99 % of the time.
1. bought a house ten years ago. With recent flooding events in my area, I discovered the reason my house took on water was because my den, sunroom and carport are all built on unreinforced concrete ( no rebar ). Engineer assessment determined it structurily unsound and the only solution is demolition and rebuild. Have contacted mort. company and they want all kinds of info, banking, salary, tax forms, IRS forms, etc. Although I can afford my mortgage, there is no way I can afford demolition and rebuild. I asked them to go with a Short sale, or Deed in lieu of Sale. If I ca n't afford the work to be done, I will have to walk away from my mortgage. Either way I lose. Can anyone advise or help me?
our XXXX cards were cancelled. The account was turned over to XXXX international to set up a payment plan. We were told by XXXX that if our payments with XXXX were paid on time that our payments would not be counted as misses or late. our credit report indicates that we have 18 missed payments. We have made ALL of our payments with XXXX in a timely manner.
The issue at had is with my current mortgage company Loan Care. 

I'm a FL resident and on XX/XX/XXXX I was impacted by Hurricane Irma. FL was considered 1 of the Disaster areas. Due to this, Loan care offered a 3 month forbearance that was extended for an additional 3 months in order to help the victims. 

I was placed on the forbearance. On multiple occasions I've called and spoke to several different representatives in customer service to confirm that being on the forbearance would not have a negative impact on my credit report. Over and over the confirmed as long as I stayed in contact with them by the end of the forbearance to look into other options to repay I would not experience any negative reporting. 

At the end of my forbearance they demanded me to pay in full the 6 months payments which was more than 10,000. I was shock that this was the only option so I asked if they had other repayment options like perhaps rolling the balance to the end of the loan. 

I was finally contacted by an underwriter for the company and was offered a disaster modification option which sounded great. I applied and was approved and placed on a pre trail for 3 months. I'm currently on my 2nd trail payment and is required a 3rd payment before they will officially put me in the modification. 

My account was being reported current up until XX/XX/XXXX. On XX/XX/XXXX my account was reported 180 days delinquent, a past due balance of XXXX and a statement that I'm in a repayment modification process. Because of this reporting my credit has dropped more than 77 points which cause a huge impact to my credit ratings. I was never informed that accepting the loan modification would impact my credit negatively. I was told that all negative reporting would be placed on hold. 

I'm currently in the process of obtaining new credit and because of this discrepancy I can not move forward. This is unfair to me. If I was properly informed I would have never chose this route. My credit is one of my top priority and keeping my ratings high has been my goal for many years now. 

I contacted my mortgage company and spoke to a supervisor that informed me that the negative reporting was a mistake and should have never occurred and that she would contact me to confirm it was being corrected. I haven't heard back yet. Time is of the essence and would like confirmation that the changes will be submitted. 

After speaking with her I called a few times and spoke to different representatives that informed me that the negative reporting will not be removed because the account was behind. at this point I'm getting mixed information and need help. 

I will attach a copy of the email I sent to them also.
I was notified by the police that I am a victim of identity theft, so I requested a credit report. I see several items on my report that do not match my personal information. One of which is a card that was opened in XX/XX/2017, Nordstrom/XXXX XXXX XXXX. The Credit limit is {$300.00}. It has never been paid late or missed payment, but I do not have this card and never have. Address ID # XXXX There is no phone number available, so I am unable to contact Nordstrom.
Money was taken out of my account ( {$62.00} ) On my payday. Every thing was fine until later that day the when I went into earnedin it was saying my account was on hold for {$51.00} but the money hasnt come back to my account or anything. There is no record that it was even there.
The offices of XXXX XXXX XXXX XXXX sold and unpaid balance to multiple collection agencies and I have to pay multiple times to protect or try to repair my credit, this resulting on lowering my credit score and limiting my abilities to obtain credit to buy a house.
I signed up for the US Airways credit card with the promise of a XXXX bonus miles and {$99.00} companion ticket. I did not receive either of these benefits. The card was combined into the XXXX card early in 2015. I was told when Us Airways merged with American those benefits ceased. However the promotion was during the merger process that it was offered. I was not told that it would go away. I was charged 2 yearly fees and I have not been able to get a refund. I have since canceled the card. I feeI that I am at least due a refund for the yearly fee.
I fell behind in my mortgage payments due to loosing my job and being a single mom. after several months I received a streamline modification package from chase, I had it notarized and sent back, then I got a call from chase stating the notary was not done correctly and they were sending me another package. I received XXXX package and had it notarized again and sent back, they said it was still incorrect and chase cancelled my loan modification. I dont know why I am being punished for notary error. I asked them to send me another package, they are refusing to do it.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : CFPB This delinquency originated at the end of XXXX, and therefore should be off of my credit report. They need to provide the original referral for collection with the XXXX. If they can not provide this, per FCRA they must remove this from my credit file. 

XXXX XXXX XXXX
Home mortgage in XXXX Georgia was financed thru XXXX XXXX XXXX. In the beginning of XXXX, 2016 XXXX XXXX XXXX notified me that my monthly payment was reduced by {$300.00} due to a reduction in the property tax escrow amount ... ..the escrow payment for taxes caused the payment to go from {$920.00} to {$620.00}. I also received a refund from XXXX XXXX XXXX for the excess money that was in the tax escrow account. Shortly after all of this XXXX XXXX XXXX sold the mortgage to Loan Care. I was notified of the transfer in XXXX. Their records did not reflect the reduction in the payment due to the property tax amount. I sent them the first payment in the lower amount with a copy of the XXXX XXXX XXXX letter regarding the reduced payments. A phone call prior to mailing the payment to a representative was not beneficial at all. They stated all the information was not downloaded into their system. They would get back to me in 7 to 10 days. No one from Loan Care has responded. However, I have received additional letters demanding full payment ( {$920.00} VS. {$620.00} ). I received a letter from them indicating my account is 2 months in arrears and I can face losing my home. 
I am enclosing a copy of a certified letter that I mailed to Loan Care last week. I have not had any response other than the letter demanding full payment for two months.
Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I have taken the necessary step to dispute the information with the credit bureau. I'm very confused on how they verified these accounts. They are not following the rules and I'd like these 4 fraudulent accounts removed immediately. I've included the ID theft report to validate my position.
I have sent several certified letters to XXXX, experian and XXXX multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!
I have never received a phone call or letter in the mail from this company or even heard of them. I have just been notified that I owe a collections of {$180.00} and it also states that the account was opened on XX/XX/2018. I have never used XXXX XXXX because I don't have cable. I only pay for internet through XXXX XXXX XXXX. I do not have signed a contract or gave permission for anyone to get anything in my name. Could you remove this account from my credit report? This has just dropped my credit score 10 points.
I have requested the amount to payoff our mortgage from Seneca Servicing, I have sent them the required paper work 4 times now in over 2 weeks and copied myself as well and I get the attachment but they say they do n't get it so they will not give me the payoff amount. I do n't know what I can do to force them to admit they got the paper work and give me the payoff amount. Please help us as we are seniors and want this debt gone.
I, XXXX XXXX have to report to the Consumer Financial Protection Bureau, that I, recently, on XX/XX/XXXX find negative and very inaccurate information, was posted on Experian CreditReport on XX/XX/XXXX by unknown parties called XXXX XXXX XXXX. This parties claimed unpaid {$120.00} to XXXX. : phone # XXXX ; XXXX XXXX XXXX, XXXX XXXX, MNXXXX. 

My Account with XXXX was permanently closed in XXXX, all equipment was return and NONE unpaid balance was EVER Exist. How in the WORLD this very strange XXXX XXXX XXXX 4 years later claimed unpaid weird balance of {$120.00} and posted on CreditReport without ANY Proof, just to make sure to put dirt on my Credit History. 
XXXX provide absolutely awful TV Service, I was unable to watch my TV most of the time on cold and rain weather. I closed my account because of this. 

Consumer Financial Protection Bureau, please, investigate this matter from Experian Inc., why they let XXXX and XXXX XXXX XXXX.posted CLOSED Account on XXXX on Experian Credit Report in XX/XX/XXXX and should listed until XX/XX/XXXX with weird {$120.00}?? 
Please, help me to REMOVE Inaccurate {$120.00} from my Credit History on Experian Credit Report. 

Experian Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Sincerely, XXXX XXXX
Since Bank of America caused to be recorded the XXXX XXXX, 2016 Notice of Default ( NOD ) and Election to Sell with California Declaration and a separate Substitution of Trustee I have had to fend off all manner of folks coming to my home, sending a multitude of unsolicited junk mail, and telephone solicitation contact all related to the bankruptcy, foreclosure and real estate industries. I have has to take steps to prevent these people including, but not limited to, Bank of America representatives, from harassing me, trespassing upon my property, invading my home and life. I have even had mail addressed to persons affiliated with the banking and real estate industries with my home address and their name to portray and seem as if they actually reside in my home as early XXXX 2016. It does n't seem to matter one bit to these folks that the NOD was executed in error.
I sent certified communication to this company requesting the validation of the debt they state I owe them. I requested the legal signed agreement that represents this debt is associated to me and owed by me. The documentation I received were cellular phone statements with no activity. This is not valid documentation that shows this debt is associated with me.
Did a mobile deposit of a check amount of {$950.00} XX/XX/2018 check was processed next business day on XX/XX/2018 but now there is a hold on the check for funds until XX/XX/2018 attempted to get hold removed by both customer service and going in person to a branch was told nothing could be done to remove the hold had the bank account for more than 2 years never had to do a mobile deposit since this was for a new employer and previous employer was always a direct deposit, was not even given the option to have XXXX or a set amount to be available immediately now I will get overdraft fees for a automatic payment that will process on XX/XX/2018
On XX/XX/ I submitted my recertification for my IDR. I never received an email or any notification that it was accepted or denied. Around late XX/XX/XXXXI received an email from XXXX XXXX that I have a payment due for XXXX. I called to find out that they never received recert. I verified email that it was sent to and it was correct. The customer rep then assisted to walk me through to upload my info through my account resubmitting again. Due date was close so I was forced to put my payment in forbearance. After being assured they received it this time I waited. XXXX I received another letter stating I was denied not eligible for XXXX, keep in my mind my family has not changed and my income did not change so why? I was told that my family size had changed and that I did not submit my husbands income.??? My ex- husband?! Who does not live with me. He was not even on my last IDR or the one before that! I was told they would resubmit to correct the error and was transferred to Forgiveness program unit to find out if due to error could I receive it as credit to my forgiveness. I was told I had to leave my acount in a 30 day default during investigation. No one contacted me so I called back to be told that my ticket is still open after 15 days. I was also told by the third rep that submitting through email is no longer excepted as of XX/XX/ which was way before I submitted, so why did that rep tell me to process it that way and the second did not say thatnas well. He also told me that I need to resubmit a new IDR because the last one I submitted has expired. Of all the years I have never experienced such delays. I just want my life to resume. To be left alone. I am doing my part and making my payments or what is owed to me as credit for finding a job and working hard. It not fair this company is dragging me through this.
After I faxed in a " XXXX, '' and an " AFFIDAVIT OF SURVIVORSHIP with XXXX XXXX XXXX 's DEATH CERTIFICATE '' added as an EXHIBIT " A '', my true and lawful Attorney-in-Fact, FULFILLING THE LAW CENTER has been in contact with CALIBER HOME LOANS, INC., from Friday, XXXX XXXX, 2016 to Friday, XXXX XXXX, 2016 that I nor anyone else is responsible nor am I the surety for a debt that only XXXX XXXX XXXX signed and made a promise to pay.