WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage company of 11years has in the last two years failed to provide the credit reporting agencies with accurate information. In fact rather not send any info at all. I have confronted them about this. I have been given a bill of goods by their reps including someone who claims to be the vice president of the XXXX office. She has sent several emails claiming an attempt to resolve the issue when I have learned thru talking directly to XXXX and the other credit report agencies, she has lied. This has become a standard for them. Send out excuses, deflect and deny any responsibility. In the past two years, a merger, or take over of the original mortgage company has occurred. 
After several months of being lied to by these individuals, I contacted the State 's Attorney General 's Office in XXXX, they agreed to look into this matter solely based on the fact that several other customers have made the same complaint against my mortgage company. My patience has run out and I need someone to force the compliance and laws governing this lender. The States Attorney Generals office of New Mexico is continuing to investigate this but I fear in talking to them, it wont be enough.
I changed banks and forgot to set up an automatic payment out of the new bank. I paid my payment when I realized the error, but the institution charged me a late fee. 
The next month I sent XXXX payments to make sure I was current but they started calling about the {$20.00} late fee obsessively. 
I paid the late fee and gave them a confirmation number and a date they will be getting the payment. The calls will not cease. 
They have been calling 3 times a day, 3 to 4 days a week since XX/XX/2016. I have called them 4 times and each time they assure me I am off of the call list. I also get massive text messages and e-mails.
XXXX XXXX reported to the Credit Reporting Agencies that I made late payments from XX/XX/XXXX to XX/XX/XXXX. I was discharged from my Chapter XXXX bankruptcy XX/XX/XXXX and I have missed on payment in that year. They are reporting my late payments that occurred during my bankruptcy. They never gave me any notice during the bankruptcy that I was behind and instead falsely reported that I did n't make any payments for 8 months in XX/XX/XXXX. I have bank statements showing I paid the company every month accept XX/XX/XXXX and that is when I entered into a loan modification and was told not to pay that month. This false reporting has cause me not to be able to obtain lending. They should not have reported anything that happened during my bankruptcy they also never told me during the bankruptcy that I was behind making payments. Also, around XX/XX/XXXX I made a double payment and at the time asked them if I was all caught up on my payments to which the representative replied yes. They have a message that all phone calls are reported so we should be able to check the records.I have tried to dispute this issue with the company and the credit reporting agency to which they responded that they company is accurately reporting.
Please have the following items remove from my report they do not belong to me. 
Company : XXXX  Account:XXXX  Company : XXXX   Account:XXXX  Company : XXXX XXXX XXXX Account:XXXX   Company : XXXX XXXX XXXX Account:XXXX Company : XXXX XXXX XXXX  Account:XXXX  Amount : XXXX
Bank allowed charges to go through on my account after I told them not to via secure message on the online banking site. 
They told me that the conversation I had with their employee only related to not allowing money from my savings account to be used towards the charges and not the main account. 
At no time when I signed up for the account and signed a form to allow charges to go through without sufficient funds or when I advised them to stop allowing any charges to go through was I told that this was a separate agreement.
Debt older than XXXX years Proof of original collection data Please remove collection from all credit reporting agencies
After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. XXXX has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act laws.
Santander dealt with the co singer of the vehicle involved. He surrendered the vehicle without my knowledge! It has been on my credit for almost 13 years, its supposed to be reported for 7. Now after the investigation, theyre saying it will remain until XX/XX/2020. I want it removed! Hope this time it gets handled correctly!
On XXXX XXXX, I came to a settlement agreement with XXXX XXXX XXXX, a representative of the collection firm Pateneaude and Felix A.P.C. concerning the listed file number. I was forced to reach an agreement with this representative due to XXXX XXXX refusal to work with me. My contact through XXXX XXXX was XXXX XXXX and it was difficult to reach him and get responses or answers in a timely manner. While his letter referred me to Pateneaude and Felix to resolve the account, I had on more than 1 previous occasion rescinded any rights to transfer my information or account outside of XXXX XXXX. As a result of forcing my hand, per the attached settlement letter, the amount of {$4100.00} was paid in 2 installments of {$250.00} on XXXX XXXX and {$3800.00} on XXXX XXXX as the enclosed copies of the payment receipts show. As a result of my payment in full, I contacted XXXX on XXXX XXXX, XXXX at approximately noon to request an immediate paid in full letter to be emailed to me at XXXXXXXXXXXX as soon as the payment had cleared. This representative became rude when I stated that I wanted the letter to be sent to prevent any additional fees to be suddenly added after my final payment. The final payment cleared my bank as of XXXX XXXX and 2 weeks have passed with no letter of confirmation of payment in full. I felt very threatened when XXXX had a court appointee bang on my front door hard enough to dent the strike plate and damage the latch in order to issue a summons at the beginning of this entire confrontation with a letter in the summons dated from XXXX XXXX, XXXX and presented to me on XXXX XXXX, XXXX. On my initial contact with XXXX, I expressed my complaint at the way the summons was served and that my wife and I felt threatened at the scare tactics used. His response to me was Im a lawyer so I know the law and I dont care what you do and his language was very confrontational and his statement about the aggressive tactics were to get my attention. I am requesting a completion of payment and paid in full letter in accordance with my request to XXXX and in accordance to the total in the agreement letter to be mailed within 24 hours of your receipt of this certified return receipt letter. This letter and its accompanying documentation will be mailed to both Pateneaude  and Felix and XXXX XXXX and will be retained for any possible future action that might be needed. I will be notifying the Better Business Bureau and the Consumer Finance Protection Bureau about this complaint.
I have made several phone calls to Equifax credit bureau since XX/XX/XXXX to remove three items off my credit report. The items are from XX/XX/XXXX, each item total {$120.00}. Each item is from XXXX XXXX XXXX via XXXX XXXX and XXXX deleted these items off within a matter of seven business days. I call and verify name/dob/ss # /mailing address-I am told the lender states these three items are accurate. I believe this to be false, or else the other two credit bureaus would have never deleted these items. 
However, I have NEVER received nothing in writing from Equifax stating the results of the dispute. I no longer have reference numbers-when i called back to follow up, it was explained to me that the numbers i provided did not match what was on file. I need help please.
1. There has been a XXXX XXXX error in the Experian Credit Report of this Complainant - consisting of a failure to comply with the 7-year maximum Federal Law to timely remove a defaulted ( " charge-off '' ) credit card debt error in this complainant 's personal Experian credit report for the credit card debt filed by XXXX XXXX - listed as the XXXX account beginning with # XXXX. More specifically, the error is in the 7-year removal date - where Experian has not deleted this negative from this complainant 's Experian report after the end date of the 84th month - the date of XX/XX/XXXX in this case - in contradiction with the facts this complainant provided in his phone call to Experian on XX/XX/XXXX and via USPO mailed documents two days later, a follow-up on Experian Dispute file ( response dated XX/XX/XXXX ) # XXXX ). The incorrect end-timing XXXX provided to Experian is " XXXX '' - three months tardy. 

2. The specific documentation of this XXXX late fee date ( of XXXX/XXXX/XXXX ) is attached to this complaint. All of the documentation for correcting this complaint error is described in a multi-page letter filed with this complainant 's XXXX CFPB complaint ( i.e., this is complaint # XXXX - which was filed after # XXXX was filed ) as the final item in a set recently filed with all XXXX CRA 's on XXXX credit card debts. Also provided with that letter in this complaint are a number of documents, including ( a ) the recent XXXX reply letter to this complainant ( dated XXXX/XXXX/XXXX ) that fails to acknowledge this error, ( b ) copies of a complete XXXX listing of every monthly billing statement transaction from XXXX XXXX for the 6 years the card was active, that XXXX has failed to acknowledge, perpetuating their error, i.e., a document that contradicts the XXXX XXXX/XXXX/XXXX reply - a response which ignores the documentation this complainant provided - docs that irrefutably support this complainant 's corrections, and ( c ) a copy of the XXXX contemporaneous monthly statement posting by the debtor company ( i.e., this complainant 's employer ) of the 1st missed payment late fee - that proves this complainant 's correction of this error - using the books of the company that incurred these charges. The attached letter written by this complainant also explains how these credit card debts are all company debts and that none are personal ( non-business ) charges made by this complainant. XXXX was also sent " hard '' copies of a virtually identical set of documents ( via the US Post Office ) for delivery on XXXX/XXXX/XXXX. 


3. This complainant 's lost income damages are also detailed in the attached letter. In summary, these damages are {$420.00} per week-day plus, as this complainant is a victim of fraud and as such, this complainant 's state law specifies treble damages ( of {$420.00} X XXXX ) or {$1.00} per week-day, if the CFPB chooses to assess damages in this case. The lost income damages are due to the reluctance of prospective employers of this complainant who, because of his credit report major negatives, are not willing to hire him - or any job applicant - for any financial ( or security ) position of trust.
I was told by XXXX, that they would run a credit application to get us financial approval to install a new roof on our home. XXXX called back a few weeks later and said we were approved to get the work done! I asked them how much was the approval amount! They stated XXXX! I also asked them, what would be the monthly payment, they stated XXXX dollars! The contractor stated that they would send a crew out to start the job in a few weeks! A few weeks later, they did start the job! Their entire crew only ended up being XXXX guys! These XXXX guys rushed to hurry up and finish the job! They were on top of the roof during the late evening in complete darkness hammering and nailing! The contractor told them to rush so that they could meet the deadline to start the next job! And that is exactly what they did! They did a terrible job, and the quality of work was bad! We did n't receive any paper work until the job was done! The Paper work was not the same! We received different papers on XXXX different occasions to sign! We did n't have the option to to cancel the job in the 3 day period that was stated in the paper work! We did n't know about that option until after the 3 day period had already expired! We did n't think we had a option to decline, especially since the work was now completed! Then we made the first payment of XXXX dollars to Aqua finance company, instead of the pay off amount going to a lesser amount the pay off amount went up in price to XXXX dollars! Then we received a bill statement outlining the details of the loan! The XXXX dollarso only went toward the interest rate, instead of the pay off balance! In order for the payment to go toward the interest and the pay off balance, we must pay the minimal payment of XXXX dollars instead of the XXXX dollars! We are also being charged XXXX dollars late fees for payments not received within 10 days and our APR may increase to the penalty APR of XXXX percent! I blame XXXX for setting me up with this predatory lender Aqua finance! My credit score was XXXX during the time the roofing work was approved! I also got approved to buy a XXXX dollar vehicle during the same period! I really beuylieve, I should have got a better financing option than what I was offered! The worker from XXXX XXXX stated we always go with the first approval! This first approval, is set up for me to fail! This is a total rip off! Please help me get a fair and reasonable loan which is not going to take advantage of me
I have XXXX credit card accounts with Capitol One Bank for my company XXXX XXXX. I have paid XXXX of my account balances in full for the account ending in XXXX and the account ending in XXXX. Capitol One has official documentation related to my business and yet they have restricted access to both accounts without proper notice.
wells fargo XXXX XXXX cra violation not mine id theft victim sent po report XXXX
We would like to file a complaint against Citibank Mortgage Company for not verifying that the lien on our home was discharged when they purchased our mortgage in XXXX from XXXX/XXXX ( now XXXX ). XXXX/XXXX bought our mortgage from XXXX in XXXX ( XXXX closed in XXXX ). We would like to include XXXX in our complaint as well. We have contacted Citibank but they they claim it was not their responsibility to ensure the lien was discharged which is ridiculous because why would they purchase something and not make sure they own it. In XXXX Citibank Mortgage sold our mortgage to a XXXX company and our mortgage is being serviced by XXXX. I do n't understand how Citibank can even legally sell our mortgage if do n't own it. In XXXX we decided to refinance with our credit union to pay off our home in 10 years and when they did a title search they discovered two old liens from XXXX which Citibank paid off and they have proof and we have copies of documents confirming this as well. On XXXX XXXX and XXXX, XXXX I faxed information to XXXX requesting help from them but I have not received a response yet. We have tried to get this matter resolved on our own but it has been a frustrating and time consuming journey and no one seems to want to help. We are senior citizens and my husband is a XXXX and we just want to pay off our home but ca n't until these old liens are discharged. Please help us. Thank you.
Called by collector XXXX XXXX [ with GLA Collection Co. ( XXXX ) XXXX ] about medical account for XXXX  XXXX due to inpatient admission of my daughter, XXXX XXXX ( admitted XX/XX/XXXX - XX/XX/XXXX ). He advised that bills were returned as bad address. We discovered the bills were being sent to zip code XXXX instead of XXXX ( these locations are approximately 400 miles away ). I advised that I would be happy to pay the bill, but required an itemized list of charges to satisfy records requirements for my Health Savings Account. He said he would send them to me, although to date he has n't. However he advised that unless I paid now, this would be reported to my credit file. I told him I need to review the bills and since they were sent to the wrong address at no fault of my own, I am not delinquent. He insisted that unless I paid immediately, my credit would be damaged. He told me he had been working in this industry for 25 years and was certain I was at fault and even if I disputed, it would n't leave my credit report. He then proceeded to inquire about my employer. I contacted XXXX XXXX and took care of the matter with them, paying the bill in full.
American Express sent me promotional offers to open credit cards. I applied for the XXXX XXXX XXXX paid the {$75.00} annual fee and spent {$3000.00} in the first 3 months. The promotion said I would receive XXXX XXXX points for this activity. I never received the points and when I called to complain they just said I received bonus points in the past and therefore was ineligible. I also open an American Express Rewards card via a mailer. Once again the promtion stated I would receive XXXX reward points if I spent {$2000.00} in the first 3 months. The same thing happen. They said they had no record of this promtion on my profile and I was again ineligible. I also receive multi page ( XXXX pages ) mailers at least XXXX a month stating changes in their policies. I can hardly keep up with these changes and when you call to complain they say you need to read your credit card agreement. Needless to say I 'm quite upset with this company and plan to close ever account with American Express. I feel this company is mis-leading the public and their business practices should be reviewed.
XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 

XXXX Bank XXXX Unverified Account XXXX XXXX Unverified Account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX
My Gap account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with XXXX as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXXwith them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact Gap today XXXX and was transferred to SyncB. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my Gap tradeline that is not reporting as derogatory, it is reporting as unrated currently on XXXX  and XXXX now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that GAP is providing them. SyncB is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.
I have been making payments to Navient for a settlement that was agreed upon by both parties. I have paid $ XXXX/ month for a while now. Navient sent me a letter agreeing that I would only have to pay $ XXXX/month until XX/XX/2018. At that point my settlement would have been made and I would no longer owe anything. Now I just made my last two payments and they are telling me I still owe them {$2600.00} towards my settlement. Yet, I have had multiple conversations and letters sent proving I should be done. I am extremely upset. I was under the impression for a long time now that I was going to be done. I was so excited and now I am having a bunch of issues. This is unacceptable and I do not think I should have to pay another cent. Especially since there is a lawsuit out against the company right now for false information and all sorts of issues with their lenders.
The collection agency namely I.Q Data International is  attempting to collect an alleged debt that I do not owe to them. They have also reported it to all 3 credit bureaus. I have never received a notice of my right to dispute. I have never signed a written contract or verbally agree to pay any debt to I. Q Data International. They also have not provided any information showing where I have agreed to pay them for the alleged debt. furthermore, they are illegally attempting to collect a debt from a resident of the state of Texas where it is illegal to do so if you have not obtained a surety bond and filed it with the secretary of State according to section 392.101of the Texas Finance Code.
I purchased my apartment XX/XX/XXXX and XX/XX/XXXX I was approved a short sale under HAFA. The sale was completed and I was told that any negative credit reporting would be removed from my record. To this date, the mortgagor has not removed negative credit entries from any of my credit reports with any of the agencies. This is having an adverse affect on my ability to apply for other credit and is unfair.
I recently received a debt collection letter for a debt through XXXX. I have not had an active XXXX Account since 2007. I contacted XXXX about this, and they said I do not have an active account with them. 

So I am sending a dispute letter requesting verification of this debt. 

I did some research, and it appears they are sending this letter out randomly to current and former XXXX account holders. It appears it is a collection scam. https : XXXX So I am filing a complaint before they try and hurt my credit.
I have presented Discover Bank with disclosure of concerns pertaining the opening of an account in my name as a result of identity theft. Discover Bank has mailed a letter to me dated XX/XX/XXXX for fraudulent account ending in XXXX. In this letter Discover Banks request is for notice of report to credit bureaus of the account resulting of identity theft and Discover 's request if for the block that I have requested on the fraudulent account to be lifted. I am not understanding this request or the poor practice in responding to the several calls that I have made reporting identity theft and requisition appropriate action. Further, I have provided with disclosures for identity theft and request for mitigation of losses to several parties representing Discover, the last party that I spoke to on XX/XX/XXXX at XXXX XXXX, continue to request for a verbal password that he has stated is on the account for an account that is result of identity and stated that he would not act accordingly to address the matter with propriety in response to the consequences of identity theft.