WillisBack/dataset-financial-user-claim huggingface dataset:
My XXXX XXXX charge account became slightly overdue because the bill was lost in the mail. I have an excellent credit rating - it was up to XXXX recently. As soon as the error was discovered I called XXXX XXXX and paid the bill in full ( it was only less than {$100.00}. ) But, unlike other companies, they reported me as 30 days late anyway. I was told that they would reverse this reporting and restore my rating ( which dropped by XXXX points due to their report ) but they never did. When I asked for an investigation by Transunion I was told that XXXX XXXX confirmed me being 30 days late. I called XXXX XXXX twice and was told twice that they were very sorry and they would fix it but they never did. My near perfect credit rating has suffered dramatically due to one minor  payment being a couple of weeks late. No other credit card has such a policy - especially when they can easily review my credit and see that I am credit worthy. XXXX XXXX manages to send to me sale e-mails practically every day but they never sent me an e-mail warning me that my bill was past due.
I was referred to XXXX XXXX  in XXXX, KS ( XXXX XXXX ) by a friend who was a current employee. When I first began the loan process, I was told that I should qualify for a Conventional Loan. After going through several weeks of continual submitting documents I was then told that they will need to transfer my loan to FHA. I submitted several other documents and were told that we should be good to go however just a few days before closing date I was informed that the Underwriter would not clear me for the loan. At that time, XXXX XXXX had another suggestions that was to send my loan to a private investor, XXXX XXXX 's father. I did not know what was going on but I meet with the private investor and learned that there would be an outrageous cost to fund my loan. I then spoke with my realtor and she suggested that I might want to reconsider because she had learned of some disturbing news about the situation. I was later informed that there was some illegal action going on by XXXX XXXX   ( skating ). I nicely declined the services of the private investor. I then contacted another lender and was approved and closed on a Conventional Loan that the lender told me that I should have been approved for several months earlier. I was very vulnerable at the time that I was trying to go through XXXX XXXX   because my wife had recently passed away in our home and I could no longer live there. I feel XXXX XXXX took advantage of my situation in an attempt for a larger financial gain with her father. Please investigate this matter because my friend who was employed with XXXX XXXX  informed me that my application was not the only one that dealt with this corrupt situation. Thank you. 

XXXX XXXX XXXX
Hello, I am writing a complaint, due to your false reporting of information on my credit file. There a re two judgements appearing on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the see the county clerk and had a conversation with a court representative. I asked him, " How is it that Equifax or  XXXX  or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to contact the County Clerk and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any judgement cases. So, I say to you, how can  XXXX  or Equifax or a third party information gatherer, get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/last 4? You are reporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a   credit report. I ask that you remove them immediately or face a lawsuit. Here are the judgements in question : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgmen t 2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$10000.00} Unknown Judgment I hav e one judgem ent that says " satisfied '' with a balance of {$9700.00} ( that can not be accurate since satisfy means paid in full ).     I have the other judgement that says the status " unknown '' .This is false information because the status can not be accurate.
I maintain account with Paypal. Account is frozen, and I can not remove funds because of " compliance '' issues. Paypal compliance insists on needing a XXXX from me. I sell jewelry online but i do not buy from the public so a XXXX is NOT needed to be developed by me. Paypal is giving me the run around for 2 months, I can not talk to anyone in Compliance over there, and my account is frozen with no ability to withdraw funds
XX/XX/2019 my husband received 4 letters from Kramer & Frank addressed to him in regards to medical bills from XXXX XXXX XXXX that are in my name and not his. I am the primary on the insurance and he did not sign to be responsible at the time of medical visits. Letters included the following amounts : {$310.00}, {$220.00}, {$490.00}, {$160.00}. My husband is not responsible for the debt, the insurance is mine through my employer, and the FDCPA states that Kramer & Frank can not disclose this information to my husband.
I have tried twice on XXXX XXXX to dispute the delinquent payments to no avail, with XXXX credit bureau and Fay Servicing. 

Let me also say Fay Servicing did correct the XXXX report but the disputes with XXXX will not change. 

I have disputed so many times, that XXXX XXXX will not allow me to dispute the Fay Servicing and XXXX accounts, again. 

I also asked my Account Manager with Fay Servicing why does XXXX show 9 missed payments, when there have been no missed payments since the modification. 

Fay Servicing even shows a missed payment for this year, and there have been no missed payments, but the Account Manager stated that another office would have to correct my credit reporting with XXXX.
My personal information was very possibly hacked and stolen from the Equifax breach. On XXXX XXXX, XXXX I have gotten my annual credit reports to ensure there was nothing out of the ordinary on there, I placed an initial 90 day fraud alert through Equifax and I am now filing this complaint. This breach could be potentially catastrophic to me if my information is stolen and this is absolutely unacceptable and Equifax has handled this situation extremely poorly.
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

Furthermore, this debt has already been disputed and removed from my credit report multiple times, under the name of different debt collection agencies.
On XX/XX/XXXX I returned a phone call to Tidewater. I was advised my account was " under director approval '' for non-payment. The agent asked if I intended on making a payment to which I replied " Yes, I usually pay around the XXXX of the month ''. The agent replied " Actually last month you paid on the XXXX and the month prior the XXXX ''. While her intent was to argue, she actually affirmed my statement and also affirmed that I had indeed been making payments ; which Tidewater has accepted with no issue.

I again advised her I would be making a payment for {$320.00} plus a late fee on the XXXX. She then placed me on hold to speak to my " Account Manager ''. She returned advising Tidewater would not accept any payment unless it was made via Debit Card.

By doing so, Tidewater has violated consumer protections in regards to abuse/deceptive business practices. She also made a comment they do not accept check payments from me.

As my account clearly reflects, my payments are made via Online Banking Bill Pay through XXXX XXXX  XXXX. If my account is truly documented in such ways, why would Tidewater honor previous payments?

I was advised if I made a payment it would be returned and not honored unless I agreed to make a debit card payment through them. Further, I was advised my account would he escalated for non-payment even though I just offered to make a payment. For the record, all phone calls to and from my cell phone are recorded and retained for legal protection. Tidewater has been previously made aware of this and also records conversations on their end. This voids any recording notice that they feel they should be entitled to.

Tidewater charges for payments initiated through them regardless of the method used. Tidewater charges {$10.00} for all payments made regardless of amount. Tidewater 's business practices not only allow it to make substantial profit via this practice but also pass on added costs to consumers. This practice is clearly abusive and aimed at producing additional revenue. ACH payments cost lenders less than {$3.00} per transaction. This business practice is a ploy by Tidewater to take advantage of customers financial situation by offering sub prime lending products and charging unreasonable and unethical fees for such products in regards to servicing.

Tidewater also violated collection laws by contacting 2 parties that are not of any relation via blood or marriage to me about the status of my loan.
ran my credit report recently and saw XXXX inquiries I didnt not authorizeboth are from XXXX - I have had a paypal acct in the past, but havent used it in years, nor having any desire of opening any credit line with them, yet they automaticaly authorized a check on my credit for both XXXX and XXXX ... .I am super annoyed as I am trying to rebuild credit and dont need these on my report! 

Lender Type Date Reported ByXXXX/XXXX XXXX XXXX XXXX, 2015 XXXXXXXX/XXXX XXXX XXXX, 2015 XXXX
Bank of America was taking a set amount out monthly which I assumed was my minimum monthly amount but it was not. They were taking out {$70.00} but the minimum had gone up so it caused my payment to show late. I had this reoccurring being taken out so assumed all was fine. They called me finally after a year ( they say they were under no obligation to contact me to alert me to the under payment ) and I immediately called them back. By this time I owed {$730.00} to bring the account current. They were unwilling to do any adjustment to my credit record ( I told them I was n't asking for the late fees to be removed, just did n't want my credit ruined ). I paid the {$730.00} but they said it was my fault and they had no obligation to reach out earlier. This does not seem fair. I had my statements set to paperless because it is good for the environment so had n't checked them since I was on automatic payments. Is there anything that can be done to remove this from my credit history? The person I spoke with also would n't give me a reference # for the call or send me the recording ( though he said it was recorded ). He said I would have to send a subpoena. His name was XXXX XXXX but he would n't give me an employee id of any sort. The date of the call was XX/XX/2017 and the approximate time was XXXX. EST. I have learned the dangers of automatic payments and not checking the monthly statements, but am hoping that something can be done as I was not intending to do anything wrong and it seems like they should have had to contact me rather than just let the situation continue and the fees mount up and my credit be ruined.
During a prior dispute, XXXX removed all of the following accounts because of false misrepresentations while XXXX has deleted one and is in the process of removing the remaining two accounts. However, Experian has decided not to remove any of the following accounts although both agencies were submitted the exact same information regarding the XXXX XXXX accounts. 

For whatever reason, Experian can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. 

XXXX XXXX Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX  ) ( Pending XXXX deletion ) XXXX - {$280.00} ( Deleted by XXXX ) ; ( Pending XXXX  deletion ) XXXX  - {$390.00} ( Deleted by XXXX ) ; ( Deleted by XXXX )
The complaint is against Wells Fargo Mortgage Dept. 
I filed for a chapter XXXX in XXXX. I sent money to the trustee for 5 years to make payments to debtors. My lawyer told me to continue to make my mortgage payments, which I did. The first couple of years they took my payment and applied it to my loan then all of a sudden they took my payment but did n't apply it to the loan. When it got to over {$3000.00} I called and ask why this was happening and they said they did n't know. They did go ahead and applied it to my loan and said everything was straight. Everything rocked on like it was suppose to then all of a sudden they stopped applying my payments. They have not applied a payment since XXXX XXXX. They are holding about {$12000.00} and will not apply it to my loan. My chapter XXXX was completed XXXX XXXX. I have called several times trying to find out why they have not applied the payments. They tell me it is being looked into. I do n't know why they would apply then not apply then apply and then not apply. I ca n't file my taxes because my statement for interest is not right. My credit report shows I am not making my mortgage payment each month when in fact I am which needs to be corrected because it is making my credit look worse than it is. They have told me they have been waiting on some kind of release. I called my lawyer and he said they were not included in the chapter XXXX therefore there is no kind of release for them. My lawyer did ask what bank it was and when I said it Wells Fargo he said no wonder. He has had proplems with them before.
I have made numerous attempts to Wells Fargo Auto Finance to correct my XXXX XXXX credit report. I have spoken to them on the phone and they insist no charge off exists. However, when I view the credit report online it says I have a charge off with them. I have but no charge to ask for your help in the hopes of clearing up this matter.
I 've recently have had my wages XXXX. Apparently, after communicating with my employer, this XXXX has been on my file since XXXX. The collector is XXXX XXXX XXXX along with XXXX XXXX XXXX. Their number is XXXX. The attorney representing them is XXXX XXXX. His number is XXXX. After a brief investigation into the company, I 've discovered that they have had several lawsuits against them for violating several fair debt collection practices act. Here is one link from the Federal Trade Commision, https : XXXX. 

I 've received no information on the validity of this debt nor was I ever served or summon with papers. Today, on XX/XX/2017, I called XXXX XXXX XXXX to get more information on this matter and the authenticity of it. They claim it is a XXXX debt which I have no knowledge of. I believe I am a victim of fraud. They have fail to properly produce evidence of such debt to me, failed to send any form of summons to appear in court, and they fail to notify me in writing that it provided negative information to my credit report. 

Please help me rectify this matter. XXXX XXXX XXXX has a history of such wrong doings along with multiple law suits against them for consumer malpractices.
Im writing this complaint is regarding a collection that has been added to my credit and I have been working with a representation name XXXX since XXXX. This is so unfair. I been provided wrong information and now this is effecting my life. Your company has added this collection to my account wrongfully. I have been working with XXXX since XXXX faithful every month. I would also like to point out that XXXX is a wonderful friendly person as well but I was advised that as long as I made a payment of the {$15.00} every month that the account wouldnt be added to my credit. When I seen it was reported on XX/XX/2018, I contacted XXXX and the only thing she could do was apologize to me. There were thing she told me that was the first time I heard any of them. We have spoken almost every single month since this was reported to your office. If I call and XXXX isnt available, I wait to talk to her because I love working with her. We have built a strong relationship. This collection has dropped my credit 40 point on XXXX, 25 on XXXX and Im not sure of XXXX because it hasnt been updated yet. I have held up my end of the agreement with XXXX to pay this balance and it isnt fair or right that your company isnt holding up theirs. Just like your company expects for a client to keep their word when they make promises to pay. Your company should keep the same trust to the client. The only thing I have had to go by was the word of your employee. I trusted your companys employee word. This account needs to be removed from my credit at once.
this is my second request to you asking for your help. 
XXXX hired a collections agency who suddenly put XXXX on my credit report stating that i owe at and t this money for a landline they state i owe them for!! i have not owned a landline in at least 5 or 7 years. no one sent me any bill for this, not XXXX or this collections bureau they hired. i have written XXXX by email to the girl in the dept of the collection agency regarding this XXXX is one of the biggest scam, dishonest monopolies in this state. everyone i know has complaints on them of how they try to steal their money. i quit XXXX over a year ago now. they overcharge you each month. you have to sit on the phone for hours as they toss you around from dept to dept and each dept blames the other dept. its outrageous. it just goes on and on like a horror movie. nothing ever gets done properly. they need a committe appointment just to oversee all the theft and lies at and t is committing by the XXXX every single day! its atrocious!! now this!! a scam of some kind to say i have a landline phone!
I was notified by one of my banks that the limit on a credit card was being decreased due to information on an XXXX credit report they just received. When I got that XXXX report, I saw that XXXX XXXX had reported negative information -- alleged non-payment and closure of a credit card. I NEVER applied for that card and never knew anything about it. When I spoke with the Synchrony representative, I was informed that the person who opened the account was in Florida, had no telephone number, no email and an " odd '' address. You would think this should have alerted the bank to suspicious circumstances and caused them to do some investigation before opening the card. I live in California and my credit reports from the three agencies have been flawless of decades and contain my correct address etc. When I requested that Synchrony fix this, they told me it could not be done in the 30 period I requested. As I understand it, they are required to look into this and cure it within 30 days. I want to report this failure and also the fact that I NEVER received any notice from XXXX XXXX that they were putting negative information on my credit report. This, too, is a violation of both the California statute and the federal statute. I would like the CFPB to open an investigation into both the improper diligence work by XXXX XXXX and their failure to follow the state and federal statutes for the correction of this situation.
My loan was modified with XXXX XXXX XXXX and recorded with the county. XXXX XXXX XXXX sold the servicing contract to Green Tree Servicing. They unlawfully added {$3000.00} to my total loan balance under the title : 'Corporate Advance Balance ''. They further did not respect the modification terms that were concluded and signed with XXXX XXXX XXXX. They have since charged lots of unlawful charges in order to acquire that {$3000.00} charge. Now the loan has been transferred to Ditech who is essentially the same company.
The information they gave me was very wrong and misleading, even though they said I do n't have to pay anything monthly, I 'm still making payments of XXXX a month, but only XXXX shows monthly on my credit profile. I felt this is a fraud and its awesome that you guys are investigating this.
XX/XX/2015This home purchase started in XXXX 2015. The Broker is Grande Financial. The first company that was used was XXXX XXXX XXXX , XXXX ( Never received a denial letter at all ) Application date XX/XX/2015- NO GOOD FAITH OR BOOKLET GIVEN OR MAILED. At that time paid {$440.00} for the appraisal The file was switched to FHA with XXXX XXXX XXXX , XXXX . This is when he had to pay additional {$200.00} for an FHA Appraisal. The lender was concerned because of the Identity of Interest. Once it was verified that the file was not Identity of Interest, the clients were told in an email, that the underwriter does n't the fact that family is selling to family, so therefore they need to put down XXXX % - Never received a denial letter or any paperwork showing the switch to FHA ( no good faith or Truth in lending ) On XXXX XXXX, 2015 they received new paperwork for a FHA Mortgage, through XXXX XXXX XXXX XXXX No Good Faith or Booklet was given. 
Then XXXX XXXX the email states that the underwriter did n't like the relationship, so therefore they have canceled the FHA case number and said that since the previous underwriter put notes into the FHA connection, no FHA mortgage can be done now-Still no denial letter. 
On XXXX XXXX, 2015, they received a Good Faith only, not sure why. 
On XXXX XXXX, 2015 the file was switched again to a Conventional mortgage-No Good Faith, Truth in lending or Booklet was given. When we started this process our credit scores were : XXXX and XXXX. XXXX 's scores XXXX,XXXX and XXXX. Now they are below XXXX. 
Even after receiving several copies of the appraisal, the seller was asked to put in writing that the home was not a depressed property, and verify that the Bank has not taken the house. The XXXX has also asked for a copy of the seller 's credit report. The seller has moved out of town for a new job and can not sell her home in XXXX because the Brokers and Lenders are not trying to close this deal. The sellers have been staying in a Hotel paying {$100.00} a day waiting for the closing. 
I am including several emails that the Brooker has sent to the client as well as their seller.
I submitted disputes to Experian in reference to fraudulent accounts on my credit file and incorrect address on my credit file.This has been an ongoing process to clear my name and credit file of the incorrect and fraudulent information and accounts. All I ever receive is that my dispute has been completed but the fraudulent and incorrect information remains. I have submitted numerous disputes, identity theft forms and police report. This has been going on for over a year now and I am beyond exhausted. There is an incorrect address appearing of XXXX XXXX XXXX XXXX, XXXX, GA XXXX that need s to be deleted. There are also several accounts that I have requested be blocked and deleted that were opened fraudulently. They are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX ( former boyfriend ) had used my personal information and my daughters social security number without authorization and withheld information.