WillisBack/dataset-financial-user-claim huggingface dataset:
Santander is not reporting payments accurately. The following payments are not on my credit report as paid.
XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.
I received a copy of Equifax credit report on XXXX/XXXX/15 and noted a hard inquiry from XXXX XXXX dated XXXX/XXXX/14. I called XXXX XXXX and requested reason as to why a hard inquiry on Equifax report when there was no request, of any kind, for credit, but rather the opening of a savings account on that date. I was told by representative of XXXX XXXX that " That was the way we 've alway 's done it ''. 
I informed them, I felt, a hard inquiry, which results in a lowered credit score, was inappropriate for the opening of a savings account and that I would file a dispute with Equifax. I did. 
Apparently, Equifax simply contacted XXXX XXXX and verified that they intended to make a hard inquiry on that date, regardless of the reason, and found in there favor. 
I submit that proper procedure, as I understand it, has always been that a hard inquiry to a credit report, which does in fact affect a credit score and therefore someones credit worthiness, should be initiated only in the event of a request for credit, in some fashion, and not at the vendor 's random discretion as in this case, the opening of a savings account. 
End result was that my credit score was lowered for opening a savings account. 
Does this seem fair? XXXX XXXX and Equifax seem to think so!
Capital One took an unauthorized payment from my account for the amount of {$540.00}. my Auto payment is {$400.00}. they used my banking information and when I asked for it to be refunded it took 5 business days to have it returned to my banking account.
My Name is  XXXX   XXXX . I am card member of  Chase Sapphire Reserve  card ending  XXXX . I have an unauthorized charge post on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX  for  XXXX   .  I never went to this restaurant. The charge is happened on  XXXX  MO on  XXXX / XXXX /  XXXX   according to the Chase representative, post o on  X/XX/2017 .  However I am at  XXXX   XXXX  all day on   X/XX/2017 .  I have attached my hotel receipt  at   XXXX   XXXX  MO from  XXXX  to  XXXX  as evidence. I file dispute immediately after I found this charge shown on my account, but I do n't only response after the dispute. I sent online message many time for inquiry and each time is just we are working on it and no useful information. I called  Chase t o find out, but the representative is really unprofessional. She just read the outcome that  Chase w ill not refund the fraud charge because the fraudulent restaurant provide you the receipt who know what it is and you can not get money back from the restaurant. And refuse to connect to manager for help me solve this issue after I requested. After file official complaint in BBB, the  Chase executive off ice 's response is even worse and does n't care if I am  Chase 's customer or not. Chase can  not provide any solid evidence such as the restaurant receipt with my signature. I never receive any solid evidence from  Chase by mail indicate this charge is valid, but Chase is  so rude and said its their final decision and if you do n't like you can cancel the card. I paid  XXXX  $ annual fee for this credit card and this is not the customer service I expected. It seems that Chase does n't value their customer at all.
Since XX/XX/XXXX I had the paid service of XXXX XXXX with Equifax ( which only monitors the Equifax credit report ) and I have been paying {$14.00} per month. I contacted a customer service representative with Equifax to cancel the service on XX/XX/XXXX. Since Equifax now offers the free service of XXXX XXXX XXXX, which includes 3-bureau monitoring as a result of a recent security breach, I requested a refund of the amount that I have been paying since the announcement of the Equifax breach or the occurrence of the actual breach, which ever was the earlier date. 

On their website, Equifax indicates that they no longer offer subscription products for purchase at this time. The premise of my argument is that I should not be paying for a product when there is free product which offers more value and which only became available because of a mass security breach. 

I made a formal complaint when I called in but I was not able to escalate my concerns at that moment. The customer care representative who was polite but could not offer a resolution beyond directing me to email the company 's corporate email inbox of XXXX I made a formal complaint when I called in but I was not able to escalate my concerns at that moment. The customer care representative who was polite but could not offer a resolution beyond directing me to email the company 's corporate email inbox of XXXX
I have an equity loan with BOA for the last 15 years in the amount of XXXX which will endon XXXX XXXX, 2015 with never a late payment. I now have notice from BOA that my newpayment after XXXX XXXX will be XXXX or XXXX times the previous amount. Is this amount? 
fair? I have a XXXX year old father who will be out on the street if this happens.Please adviseme.
I have successfully disputed a debt for {$200.00} that originated from  XXXX  but is being sold over and over again to collection agencies that resubmit it on my report. I successfully disputed it twice with  XXXX , once with  XXXX  and am in the process of disputing for a second time with  XXXX . The original debt was for internet service at my home at  XXXX   XXXX   XXXX  in  XXXX , Tennessee. This account was closed prior to selling our home in  XXXX   2013 . The home was vacant until  XXXX  of that year. No service was consumed, the account had been closed but  XXXX  was continuing to bill me without my knowledge. I am attaching a copy of the HUD statement to show when I sold the house.  XXXX , nor any collection agency has been able to prove any service consumed at that location or any records to indicate that I had not closed my account.
I am so frustrated with Telecheck every time I write a check to a telecheck merchant regardless of amount telecheck denies it and markes it code 3 I have called telecheck numerous times to get this corrected and they informed me that the account is too new and to continue writing checks to build up history with Telecheck I informed them that this was the last time they was going to embarrass me in public by declining my checks I also stated to them how can I build up history if you are always declining them I do n't see how this company can interfere with me and my check writing!
The last apartment complex I lived in ( XXXX, VA ) sent me charges for unpaid rent, water and sewer, damaged blind, damaged carpet and late fees. This charges I disagreed with and asked them to substantiate it but was rather sent to a collection agency. I paid my bills on time or early each and every month for the 4years that I lived there and was never once late especially for an apartment complex that has no grace period and all rent/bills has to be paid by the XXXX of each month or risk paying late fees. My credit is now destroyed and its all base on falsified charges.
Payment was made to previous loan servicer by mistake. A payment of {$1600.00} was electronically made  to Loancare  and should have been made to   XXXX   XXXX       The loan servicing was transferred to  XXXX  on  XX/XX/XXXX . The payment was sent from  XXXX  (  XXXX   XXXX   XXXX   XXXX   of  Maryland  )  Loan #  XXXX . Amount {$1600.00}  1.  I realized I made a mistake a called Loancare on  XX/XX/XXXX  2. Emailed Documentation of mistake  XX/XX/XXXX  3. Called to inquire on status  XX/XX/XXXX  -Told me that someone would call from cash office by Wednesday - NO CALL  4.  Called  XX/XX/XXXX  (  59 minu tes on phone e ) r epresentative spent time researched documentation and making sure cash office had information and details.    5. C alled  XX/XX/XXXX  explained problem and (   XXXX   XXXX    )  told me that she would call me back that day - NO CALL 6. Called  XX/XX/XXXX  told that that I was very upset because no one would check on the status of this issue. Representative said she we have the cash office call me. then hung up!     This is a lot of money to me I am concerned that  may  not have enough money to pay my mortgage this month.
I contacted Experian on XXXX XXXX, XXXX @ XXXX informing them of the fraudulent inquiries on my credit report. I was transferred around until I spoke with a supervisor whom I explained to that my identity had been stolen and I sent them a copy of my police report months ago to no avail. The supervisor located the documents and proceeded to transfer me to the fraud dept whom he stated would help me with the removals of the fraudulent inquiries. In turn I was hung up on after being on the line for XXXX minutes and did n't get to speak with anyone. All of these inquiries add a hardship and my rights were violated by Experian. I asked that the CFPB help me stop Experian from victimizing me.
Bank of America refused XXXX mortgage payments from me & returned them all to my personal account stating the amounts were incorrect with no further explanation. They refuse to reaffirm my mortgage after Bankruptcy and I 've been making payments until I lost my job in XXXX 2015. I pay homeowners insurance and property taxes via escrow, yet I 'm being treated like a renter. I applied for modification during my job loss & have made several attempts to make payments. Bank of America took payments in XX/XX/XXXX & XX/XX/XXXX and has refused all others. I have been assigned to XXXX different account reps within a very short period of time & no one has any answers regarding my payments being rejected.
XXXX XXXX XXXX XXXX, Account number XXXX. I have disputed this account with Equifax confirmation number XXXX as Fraud and provided Equifax with a copy of my Police Report. Equifax had not removed this this fraudulent account from my report
I recently submitted a dispute to Equifax regarding a XXXX XXXX account ending in XXXX. Instead of removing the since its an older account Equifax updated to report as " Repossession '' This was a chargeoff account that was paid through a collection agency.
Toys r us is reporting on XXXX a {$6800.00} charge off on my account. I only owed then {$77.00}. And the {$77.00} item was returned and never credited to my account
While reviewing my credit report I see a total of five trade lines from Navient ; three of which are reporting correctly as no missed payments and two of which are reporting incorrectly as having 2 missed payments in XXXX and XX/XX/XXXX. I take issue with these accounts showing missed payments for the following reasons : 1.  Because as the attached documents show I didn't graduate from XXXX XXXXXXXX XXXX until XX/XX/XXXX. There is a 6 month grace period from the time of graduation until loan payments begin due. That means loan payments would not have become due until XX/XX/XXXX. I had already requested and been approved for forbearance on XX/XX/XXXX ( attached ) 2. How is it possible that I could be late on two of five loans having the same forbearance/deferment period?

3. How is it possible for the two late payments ( XXXX & XX/XX/XXXX ) to show as 90-119 / 120-149 days late when the payment status for the previous month ( XX/XX/XXXX ) shows as on time? 

4. I sent an email ( attached ) along with same information I'm attaching to this compliant to Navient 's Customer Advocate center regarding this issue asking for my credit report be corrected and almost instantly received a canned response saying the information was reported accurately. How is this possible based on the points listed above?

I demand that Navient correct my credit report to show zero missed payments or delete the incorrect trade line entirely.
XXXX XXXX {$350.00} and {$530.00} There are no contracts, no valid claims ... accounts were settled with original creditor ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation ... it is against the law to attempt to collect a debt twice Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
I am having a lot of issues with XXXX XXXX/ XXXX XXXX XXXX store card account. I have charges on my account that I know are not mine and XXXX XXXX will not dispute accordingly to my standards. They sent me a letter in the mail stating the process is in dispute, then three days later they stated in another letter that the dispute is now closed and that I owe more money than what is actually on my account stated. This all doesn't make sense. I informed them that I will not be paying for something that is not mine. Also they have no proof of the purchases, how is this my problem? Also they state that they will not credit my account and I owe {$2000.00} on the account when it states {$1700.00} is on my account. This is clearly a mistake. I have no other option to rid this debt on my behalf. My account is closed with them also I will not be doing business with this company ever again in my life. I was treated poorly, unfair, unprofessional. I was laughed at on the phone by 2 of the customer service people. This is a serious situation and I will not be out thousands of dollars to their stated amount that I owe, in which I do not owe a cent to XXXX XXXX
Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Phone # ( XXXX ) XXXX I have on my credit report showing account charge off for {$2900.00} and I have obtain back on XXXX/XXXX/XXXX a letter from the District manager showing a {$0.00} balance from the District manager and sign by him. On my credit report status on XXXX XXXX shows this but XXXX XXXX sent me a letter on XXXX as {$0.00} balance and Experian will not update my credit report as well as wrong information on the account showing. I have provided them with the letter from XXXXXXXX XXXX and there phone number if it needs to be verified but Experian has yet to do anything and keep telling me nothing is going to change. I want to no why is this when XXXX XXXX has tried to updated in the system with Experian but they want update the account showing as paid or remove the 90 days late on my file. I have tried month after month and nothing from Experian to this matter. I want the account updated and showing as a {$0.00} balance as I have proof from XXXX XXXX or removed from my credit file. 
I have been requesting this since XXXX and wrote and filed complaint letter and a dispute form with Experian. this is not right on there part.
On XXXX/XXXX/XXXX I cantacted USAA bank about a direct deposit of {$2900.00} from my college for federal student aid made to a closed/charged off account. I informed them that the deposit was not supposed to have been sent to that account and USAA refused to reverse the payment stating they used it to cover a negative balance on a closed account.
I had my card skimmed and cloned. On XX/XX/2018 my card was declining at a gas station and upon checking my account I saw it had been emptied. There were 5 fraudulent transactions on my account. XXXX charge for {$3.00}, an XXXX membership for XXXX, a XXXX charge for {$27.00}, and two XXXX XXXX charges, one for {$250.00} and one for {$220.00}. After calling my bank they returned the XXXX charge, and eventually the XXXX and XXXX charges. I filed a police report and cooperated with the bank to try to get my money back for the XXXX XXXX charges. They first mistakenly disputed it as billing. After almost a month they declined the dispute. Someone finally understood what I was saying after I called them back and re filed it as fraud. It is XX/XX/XXXX now and they are refusing to return the XXXX XXXX   charges.
I had a loan with Saxon Mortgage Services , Inc. Loan # XXXX, I tried to do a cash out refinance to obtain about {$31000.00} for improvements on that property ( XXXX XXXX XXXX , XXXX , MD XXXX ), and Saxon approved Loan # XXXX ; however, when I went to the title Company ( XXXX XXXX ) to sign the papers, I discovered that the interest rate and the monthly payments were much higher then what was promised. At the advise of Saxon 's agent XXXX XXXX I signed the documents anyway that I had three days to decide if I wanted to keep the loan. Two days later I called Saxon and informed them that I wished to cancel the loan, they gave me the fax number to fax the Notice of Right of Rescission which I did and kept my copy. And for the next three months, I continued made my Mortgage payments on the previews loan # XXXX, those payments were never returned nor applied to the newly-cancelled loan. Some time in XX/XX/XXXX, I received a call from Saxon stating that I have failed to make the first payment on Loan # XXXX. I quickly reminded them of the cancellation of that loan and requested in writing an investigation on both loans, on XXXX XXXX, I received XXXX letters from Saxon confirmed my inquiry and stated they will clear the matter and will get back to me. A month later, XXXX XXXX, I received the CERTIFICATE OF SATISFACTION of loan # XXXX, and in XX/XX/XXXX Saxon hired the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to foreclose on the cancelled loan # XXXX. In an attempt trying to save my Home, I had to file XXXX bankruptcies and still lose everything that I have ever owned. Saxon wrongfully foreclosed and sold my property and I never received from Saxon that {$31000.00} cash out refinance from loan # XXXX had I not cancelled loan # XXXX. Saxon made the mistakes off not cancelled the loan, satisfied the only valid loan, wrongfully foreclosed and sold my house causing me financial ruined and XXXX.
MY spouse received a call XXXX/XXXX/18 on her personal cell phone with this company stating they need a call back. They will be out to my house or work with some documents that will need a signature. Called back found out there are a collection agency acting threating to serve papers if balance is n't paid. I am also bothered they called my wife & discussed my debt she is n't even on & left a voice message on her phone threating to serve me with a wage garnishment.
I had routine visit 's to XXXX XXXX XXXX center in XX/XX/XXXX I stopped getting bills after normal month and insurance coverage wait. I continueously contacted their billing dept throughout XX/XX/XXXX with the concern. Was abruptly told that their billing system changed and I would get the opportunity to make my payments once things were straightened out. In XX/XX/XXXX I received a total of amount due from their Dept out of state in XXXX with a " Collections XXXX XXXX '' address. I immiediately called that business number and was told I owed payment in full. I reached the local branch office in XXXX business dept to discuss my concern at this point and inability to make a full payment. They set me up on a payment plan. I immiedately made my XXXX payment and every month since, thereafter, to date as of now XX/XX/XXXX. A few months ago I received XXXX " Collections '' notices of an amount due much higher than what I have it already paid down to, along with harrasing calls from a dept collector on the facilties behalf named " PASI ''. This become so frustrating as they would not initially acknowledge the proper amount I yet owed but that I had already been making payments monthly and on time all along to XXXX XXXX XXXX XXXX directly which I have full documentation of proof of. I actually had to go to the local business office in person to ease my mind and was late for work. I eventually lost my job over this and the emotional distress it has put me under. Now I am getting calls yet again by " PASI '' to collect this " Debt '' which is not a Debt as I am still and all along making payment directly to XXXX XXXX XXXX XXXX intially by phone debit payments and most recently via their website as they instructed me that I could do. So I am now without a job, yet still making my payment as per their payment plan directly to them, and still getting harrassed by debt collections " PASI ''. What rights do I have at this point? Again, I have full documentation of all payments and some legal recorded calls regarding the matter as I informed other party on phone that I would be recording the call as per XXXX state law. Can anyone help me? I am emotionally distressed over this and out of work.
I was checking my credit report and saw that i had a hard inquiry on my report and i checked that it was by XXXX i did not apply for credit there.
Account that should be closed, but is reported as open in my XXXX report, in error : XXXX XXXX. 
StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXAccounts that are current, but are reported as missing payments in my Equifax report XXXX although they are current and receiving {$330.00} dollars a month : XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXDP of Educatoin XXXX Due $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXAll these loans above are part of the DEPT OF ED/XXXX loan and need to be closed, as they are now part of the XXXX total sum, which is {$45000.00} dollars. These loans have all been consolidated into XXXX loan serviced by XXXX shown below : DEPT OF ED/XXXX StudentXX/XX/XXXXOpen - CurrentNo Missed Payments {$45000.00}
My son took out a Sallie Mae student loan. He listed me as the " closest relative ''. Apparently he is behind on the payment - he says he has talked to them, I do n't know if it 's true but I am not responsible for his debt and do not want to receive calls regarding his debt. They continually call me almost every day, even though I am not a co-signer and have asked no less than 15 times not to be called anymore. XXXX ID # XXXX at XXXX ext XXXX has called me 3 times in the last week alone, despite being told every time not to call me any more. What can be done about this?
i have been attempting to get a loan modification however bank of america is stalling on my mortgage file.they are not wanting to review my file because they are asking for a profit and loss statement from a CPA. i do not have a cpa. i have sent in all documentation necessary for them and bank of america continues to play games with my mortgage. i do not want to lose my house.