WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX separate credit cards that were with Chase Bank, both were charged off in XX/XX/XXXX. I received the IRS bill for taxes on the forgiven amount which I paid which shows that it changed the status of my XX/XX/XXXX and XX/XX/XXXX tax returns ... However, Chase is still reporting to the credit bureaus that I owe the debt. I have been in the process of trying to get a home loan for the past 5 months, this issue has held up the home loan for that time, 5 months now. Myself along with my bank and a credit reporting agency they work with ( core logic ) have all been in communication with Chase Bank, but nothing gets resolved, just a run around, ... Again, the issue is that Chase should be required to report the truth, that these XXXX accounts were charged off in XX/XX/XXXX, instead of showing the debt is still owed, our continued efforts, myself, my bank, and credit agency have not produced any results from Chase, ... Therefor I am submitting my complaint.
The bank is making it nearly impossible to pay my auto loan. I have called almost 100 times and still can not get through to make a payment. My mother waited on the phone for an hour and got through to someone only to find out that they charge {$15.00} for making a payment over the phone. I need online access to make charge free payments and they will not grant it to me. I have charges that I do not understand and need to be explained except I can not reach anyone to do so.
On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX acct # XXXX for the date of last activity, payment history, status, high credit and the dispute was returned verified. I have included the excerpts of my credit reports showing how these accounts are reporting.
I had a settlement agreement with  XXXX   XXXX  #  XXXX ,  ( A Capital One account #    XXXX  ) I paid my debt and have cancel checks, and numerous of times since  XXXX    XXXX   have call them to tell them to remove the outstanding balance from credit report because it shows outstanding. as of today they have done nothing.
I previously filed a complaint with XXXX and received a satisfactory response. However, XXXX and Trans Union reported inaccurate information on the same XXXX XXXX Bank accounts. Should n't XXXX Bank be held accountable for providing the same accurate reporting to all credit reporting agencies?
I have been disputing incomplete and inaccurate information on my credit report for months XXXX XXXX XXXX has XXXX accounts which have not been reported properly or investigated properly. Please see attached letter and copy of credit report.
I refinanced my mortgage loan with BB & T. They received a wire on XXXX XXXX, 2015. The payoff left an escrow balance of {$4000.00}. I called BB & T today to find out when my funds would be released to me. I was told that it would be 2-3 weeks before the funds were " mailed '' to me. The loan servicing agent then give me the date of XXXX XXXX, 2015 as the date I could expect my funds to be " mailed '' to me. That date would add another 3-5 days before receipt, or possibly as long as 1 full month from the date BB & T received wired, good funds. I inquired if I would be receiving interest on my funds and was told no. This seems like an exorbitant delay without compensation for BB & T 's use of my funds.
Recently, an agent of Regions bank solicited me for a Home Equity Loan he knew from previous contact I might be interested in. Months ago a deal fell apart because of the upfront money Regions required of me. I was n't willing to use all my savings to get the loan. In XX/XX/XXXX when he called I told this agent that XX/XX/XXXX my mortgage would be under XXXX and at that time I would try again with Regions and other institutions. XX/XX/XXXX he called saying Regions had a great deal I would qualify for. The deal was not a good XXXX considering the market rate at the time was a whole point or more lower than what he was telling me was a good deal. He knew already how fabulous my credit score was ; Regions ran it again, and it was XXXX, I have no other debts, other than this mortgage. Now I ask you, why would that bank try to excite me about a rate of 4.25 & possibly getting it as low as 4 % for me, when they had to know home equity rates were around 2.75. Yes, I am a XXXX American woman, why am I not offered the best available when I more than qualify. My current home loan rate is 5.875, which when acquired in XX/XX/XXXX was a good/best rate at that time. I 'm looking for a better rate to continue my attempt to pay off the property in less than XXXX years, which is why a re-finance is not in my interest because of the XXXX of dollars added in that process.
I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct
This dispute involves SunTrust Bank re : Mortgage Loan # XXXX We received our last statement XX/XX/18, due XXXX. ( not late until XXXX ). 
We paid the Total Amount Due : {$720.00} through XXXX XXXX Bill Pay on XX/XX/XXXX. 
XXXX XXXX has confirmed the payment was received via electronic transfer by XXXX We left town for the Holidays, upon return we received three documents from SunTrust. 
1. A letter of Congratulations dated XXXX that our last payment was less than a monthly installment and to please call for a payoff. 
2. A letter dated XX/XX/XXXX informing the XX/XX/XXXX payment of was not received. 
3. A letter dated XXXX informed us we had requested a payoff. 
[ Please note : we did not request a payoff until XXXX. We paid it off XXXX. ] This letter also stated our payment, Total Amount Due : {$720.00} was held in suspense. 
This letter also listed an {$84.00} recording fee, which has not been disclosed prior to this letter in any other correspondence. 
We received mail until XXXX, and not one of these letters was delivered by that time. We then left town for the holidays, returning XXXX. 
We contacted SunTrust Bank the first Monday after our return XXXX and wired the payoff they requested at that time, which included a late fee or {$90.00}. In addition, they reported that we were 30 days late with our Total Amount Due payment, which XXXX XXXX XXXX  has confirmed was received by XXXX and transferred XXXX. 

We have contracted the Credit Dispute Department and they will not talk to us or give their full name or identification numbers. We are now trying to obtain a new mortgage loan for retirement property and we were declined initially because of this inaccurate credit report. We have submitted a formal dispute via fax, they will not give out a phone number or email for this department. We are asking that this action be resolved by XXXX. We have an inspection of the new property scheduled on XXXX. The cost of this inspection and loss due to higher risk, which we do not deserve, could be over {$10000.00}. To this end, we are soliciting an attorney to litigate this error. We have documentation we are happy to share, including mail from multiple offices clearly indicating that self-automation or lack or awareness is a problem with this Bank / Mortgage lender.
I had a credit card through XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. My husband and I used a debt consolidation loan from CitiFinancial to pay it off in XX/XX/XXXX. Now years later my bank account are being garnished and XXXX XXXX states they never received payment. The debt was sold to a debt collector about 2 years after the consolidation loan was taken out to pay it off. All other debts that were paid using the loan are paid, this is the only one that was not. We have paperwork from our loan that says that money was sent to XXXX XXXX XXXX. If it was not sent as the loan says then Citifinancial breached the contract. When we called to get copies of the paperwork they were unable to provide copies of the checks or account numbers associated, though we brought in our statements and they wrote the checks from those. They stated that since it was over 7 years ago they no longer have check copies and can not provide me with any proof that they were ever sent. We were never in possession of the checks and CitiFinancial dispersed all funds themselves. My bank account, as well as my children 's are wiped clean at least once a year for the past 7-8 years for a debt that we took all steps to pay in XX/XX/XXXX
XX/XX/XXXX my wife and i filed chapter XXXX. We kept making our car payments and mortgage payments. We completed the chapter XXXX XX/XX/XXXX and we called Suntrust mortgage to ask them why our account showed {$0.00} balance, payments were not reporting since XX/XX/XXXX. I opened up a dispute XX/XX/XXXX and received a response today. They are not going to report to any bureau my never missed, never last payments to Suntrust. 
I called them today and they said it was a law that they can not do it. I am appealing you to allow Suntrust to report my 5 years of making payments and putting the correct account balance on all 3 bureaus.
Mazda Capital Services sends notices to pay personal property taxes on the car after it was returned at lease end. On  XXXX   XXXX ,   XXXX  , a letter claimed it was billed for PP taxes of {$140.00}. But despite a request that it provide a copy of its being billed, it did not do so. My records show that I paid {$290.00} in PP tax to Mazda Capital Services.
I was contacted on XXXX/XXXX/XXXX By XXXX XXXX XXXX in which they threatened me to take legal action over very old debt from XXXX for a XXXX XXXX phone bill. I never signed or agreed to pay XXXX XXXX anything. I currently have a XXXX XXXX account in good standing.
I submitted a complaint in XXXX against my mortgage company Ocwen because they failed to update my credit reports. To date there is NOTHING on my XXXX report as if this loan does not exist and my XXXX XXXX report has NOT been updated since XXXX. This is the worst company I have ever had to deal with! I am filing this complaint again because dealing with Ocwen directly is useless.
PDQ has reported this debt opened on my credit report as of XXXX XXXX, XXXX. PDQ began collection efforts on XXXX XXXX, XXXX as indicated by the attached letter from PDQ to me. PDQ is illegally and erroneously reporting incorrect collection dates to allow them more time to collect zombie debt. PDQ 's response thus far as been to state they will " not discuss a letter that is over 2 years old ''. The consumer protect act requires accurate and honest reporting. PDQ is neither accurate or honest in reporting these dates in my credit report.
during the summer of 2017 my home was damaged by hail. I turned a claim in and the insurance company sent an adjuster out. the insurance company issued a check which was made out to myself and Bank Of the West. I signed the check and asked BOW to deposit it in my acct. Bank Of the West never put the money in my account, but rather held it till the repairs were completed. well the repairs were completed a month ago, and the cost was much higher than the insurance believed it would be. I paid the last {$2000.00} out of my pocket, but yet Bow wont release the remaining {$890.00} from the insurance settlement. I own the home, I own the policy, and I paid for the repairs. My mortgage is current, it has never been slow, short, or not paid. I believe the Bank of The West is guilty of insurance fraud since they are withholding funds that were destined to be used on the repair of my home.
I was fully up to date with my HELOC with  XXXX  and was making my payments through my bank 's autopay. They sold to Shellpoint. It was hard getting through to make payments. I did not realize I fell behind with them in  XXXX  as I thought I had changed the bill pay information. I tried paying on their website and calilng but it seemed impossible during work hours. When I finally was able to get through and pay them, they somehow reported  me two months late  and made it impossible for anyone to refinance me. I then continued to make payments from thereon. I have a HELOC balloon payment as it turns out so as of  XXXX   XXXX  they would only accept full payment and began to report me late and rack up fees. They told me in  XXXX  to submit a package to do a " work out. '' The would only contact me by phone call and would not email me back to tell me if paperwork was acceptible or incomplete or in their correct format and so not until end of  XXXX  was package submitted. They have not gotten back to me with any answer and they say the do not know when or if they will do anything for me. I have no idea whether to wait for their answer or if they are trying to foreclose on me because I have good equity. I have  XXXX  children. The only hardship I have is I do not have  XXXX  but am willing to make payments. It was only because of their late reporting I could not refinance with  XXXX  or  XXXX   XXXX . They were the only ones in the way of us refinancing.  XXXX  would have refinanced us.
Tried to transfer membership reward points online to XXXX as the flights I wanted were available, but got an error and a message to call in. Talked to membership rewards and they informed me ALL my points had been frozen, due to a XXXX bonus that I had gotten from my AMEX Platinum card. Did not provide me a reason why they were frozen, but said they would be released on XXXX, as it would have been 8 weeks past the points posted date. Called in today on XXXX and they are still frozen, and have not been provided with an explanation. I have XXXX points, XXXX of which Ive had for over 8 months and yet all my points are frozen. I was able to transfer points to british airways account 2 weeks ago without and issue yet Amex decided to freeze the points again.
ProCollect has an incorrect line item on my credit report with XXXX that I disputed in 2011 and they refuse to remove it. The person 's name is XXXX XXXX ... that is NOT my name. 
Procollect , Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX mapOffice : XXXX or XXXXXXXXFax : XXXXXXXXCorrespondence to Collectors : XXXXXXXXCorporate DirectoryXXXX XXXX - PresidentXXXX XXXX - Vice President / Director of Recovery OperationsXXXX XXXX XXXX Client Services ManagerXXXX XXXX - IT Department Manager
I read in the news that my current servicer, Navient, is being sued by the CFPB and that if I 've experienced anything negative during my experience with them that I should submit a complaint. 

I have three major complaints about Navient. The first is that I was not aware of the fact that all unpaid interest on my outstanding loans would be capitalized if I consolidated them with Navient. This means I 'm paying interest on top of interest and seems unfair. Secondly, I 've made attempts in the past to make additional payments beyond my minimum in order to pay down my loans more quickly. Doing so, however caused me to get booted from the income based repayment program I was on and gave me a budget crunch when my payment skyrocketed without notice. Lastly, every year when I have to recertify for my income based repayment I 'm not given any kind of notice or forewarning and I think this is also done intentionally to boot me off the income based repayment program. 

I have a fico score over XXXX and am paying 6.75 % on these loans which seems usurious. I hope the new president allows me to refinance at a lower rate and have the outstanding balance forgiven for me after 20 years instead of 25. Also, some action needs to be taken on making the forgiveness of student loan non taxable. Currently I will have to pay income tax on any debt forgiven after 20 years.
Rental Verifications XXXX XXXX Landlord Address Move In Rent Phone - Contact Move Out Owed XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} ( XXXX ) XXXX - XXXX XXXX, MN XXXX XX/XX/XXXX {$0.00} WOULD NOT RENT AGAIN - EVICT XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} ( XXXX ) XXXX - XXXX XXXX XXXX, MN XXXX XX/XX/XXXX {$4000.00} WOULD NOT RENT AGAIN - UNAUTHORIZED PET / NOISE COMPLAINT / POLICE CALL / UNAUTHORIZED TENANT / OTHER VIOLATION / EVICT Public Records ( XXXX ) XXXX XXXX These Were Expunged through Civil Court in XXXX XX/XX/XXXX it should not show an eviction nor balance for either rental property
Key Bank calls my home every day asking to speak to a person who I have repeatedly told them I do not know. I just got this number about 2 months ago, and I 'm assuming they are looking for the previous owner of that number. I answer every day, tell them I do n't know those people, and ask them to remove my number. They do not remove my number because they call back the next day. I called and attempted to speak to a supervisor, and they refused. I was then told I could not have my number removed unless I proved I was not those people. I have no intention of sharing my address, or any other personal information with them. XXXX just want the calls to stop. They are calling from XXXX
This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with XXXX reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks 5 or 6 questions. That is 15 or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans, at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now, instead of being able to do the request online, I have to call each credit bureau and answer the same kind of obscure questions over the phone. If XXXX of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX, then the credit bureaus can certainly do the same thing.
This information was removed back in XXXX 2015 and then now, XXXX months later it is reappearing!
on all XXXX credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} XXXX which I paid XXXX and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all XXXX bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of XXXX.
I recently be came informed of the National City Bank settlement, which charged XXXX and XXXX borrowers higher prices on their mortgage loans between XX/XX/XXXX-XX/XX/XXXX. According to the National City Consent Order Administration, I was told today that since my name and address was not listed, therefore, I was not sent a form package to submit by their deadline XXXX XXXX, XXXX. It seems that both National City Mortgage omitted me from their package information distribution settlement ; although I paid 6.75000 % interest in XX/XX/XXXX and in XX/XX/XXXX paid 8.7500 % on a fixed mortgage according to my print outs from their website. During this period, multiple changes of account numbers, multiple payments to National City Mortgage and countless issues. 
All long, PNC Bank, negotiated the acquisition of National City Mortgage purchased in XX/XX/XXXX, but did not reveal itself until XXXX XXXX or XX/XX/XXXX to its ' borrowers. And I am facing Foreclosure under PNC Mortgage with no relieve in XX/XX/XXXX. 
As for the settlement, if the borrowers were not made aware of the settlement by National City Mortgage and PNC Bank was fully aware of this response time frame as well ; why was this information not disclosed to all borrowers. It seems that non-disclosure limited their liabilities to select who they were reimbursing the XXXX settlement. Why was I not informed nor participated in this settlement.
Equifax Credit Report reflects adverse accounts which are beyond the seven year reporting period. According to the FCRA adverse accounts may remain on a consumers report for a period of seven years from the original delinquency date, which is the date the account first became delinquent and was never again current. In addition bankruptcy does not alter the original delinquency or extend the time the account remains on the credit report. While i filed bankruptcy in XX/XX/XXXX, the original delinquency date of these accounts is XX/XX/XXXX. This would result in these items being removed from my credit report as of XX/XX/XXXX. Upon disputing these items directly with Equifax the response was " There is no historical account information ''. This would mean either the creditor and or Equifax has failed to maintain supporting documentation or these adverse accounts. I, the consumer should not be penalized by carrying adverse accounts on my credit report beyond the seen year reporting period due to the Creditors and or Equifax failing to maintain historical data or supporting documentation. I have requested supporting documentation of the investigation and advise by Equifax they are not requiring to furnish such information. Equifax is acting as a representative of the creditors rather than a neutral party by not requiring documentation from Creditors but requiring this from consumers. It would take but a minute to review the credit report to see that information is inaccurate. For example the XXXX account states the first Major Delinquency was XX/XX/XXXX but it also goes on to state that it was first reported XX/XX/XXXX. How could it be reported in XXXX if it did n't happen until XXXX? Please remove these adverse accounts
I have made many attempts to dispute the Inquiries that is reporting on my Credit File ( Equifax and XXXX  ). These inquiries was not authorized by me. These inquiries was a result of fraud. Please assist me in getting them removed from my XXXX  and Equifax.

Equifax : XXXX XXXX ( 2 times ) and XXXX  XXXX  : XXXX XXXX ( 2 times ), XXXX XXXX, XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX