WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled my credit report XX/XX/XXXX and saw that there were late payments that were not mine. Since then I have written XXXX letters to all three bureaus who are reporting the incorrect information. Experion has not responded to any of my letters. XXXX and XXXX sent me XXXX letters promising the information was updated or new information could be found on my report. However, there was no update on my credit report from either bureau. XXXX last letter was in XX/XX/XXXX and they have n't responded since then. 
XXXX 's last letter was XX/XX/XXXX and they have n't responded since then. Also- whats really upsetting is that all three bureaus had deleted the incorrect information on XXXX of my accounts listed as : XXXX XXXX account # XXXX and now the late payments are showing up again! XXXX specifically deleted this information in XX/XX/XXXX and in XX/XX/XXXX it showed up on my account once again. This is really ruining my credit. I 'm always on time. Please tell the bureaus to delete the incorrect information once and for all! 
The other accounts that are showing incorrect late payments are as follows- XXXX XXXX XXXX account # XXXX, is only showing up in Experian. XXXX and XXXX already did research on this account and deleted the errors. Please ask experian to do so as well. 
XXXX XXXX account # XXXX, all XXXX bureaus are showing incorrect late payment status XXXX XXXX
On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to Georgia student finance XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/XXXX I sent a follow up letter requesting debit validation to the address above I still have not received a response. On XX/XX/XXXX I sent a dispute letter to both credit reporting agencies asking for validation of debit, in XX/XX/XXXX both credit reporting agencies responded validating the debit. Still havent received a response then I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
On XX/XX/XXXX, my bank electronically transferred {$1200.00} ( slightly more than 2 months payment as I had missed one month ) to Nationstar Mortgage. My loan was sold to them by XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received a Notice that I was in default by something called XXXX XXXX. When I called and attempted to speak to someone at XXXX XXXX, the recording indicated that Nationstar was now XXXX XXXX. When I got through to XXXX XXXX by e-mail, I had to set up an account and it shows that I owe {$1100.00}. This is incorrect. In fact, I paid slightly more than that as proved by my bank 's confirmation # XXXX, delivered XX/XX/XXXX. The person that I finally got through to ( after 7 calls and hours of wait time ) told me I had to take out a credit report. This incorrect information is threatening my credit line and XXXX XXXX 's failure to properly credit my account could expose me to foreclosure. I want XXXX XXXX to correct its ' information. Further, I 've not received a bill for my next payment nor, in fact, any notice that XXXX XXXX is the proper party to pay.
Bank of America has committed fraud on real estate, mortgage, or Deed of Trust by participating in and conducting a public auction and Trustee 's Sale related to a XXXX balance Deed of Trust on XXXX XXXX, XXXX. 

Bank of America has admitted no balance is associated with the XXXX Deed of Trust associated with this account after recording a Notice of Default ( NOD ) and before recording a Notice of Trustee Sale ( NTS ) and proceeding to sale at public auction. 

Bank of America has foreclosed on a zero balance Deed of Trust all the while claiming a default of forty-five months at the time of sale while intentionally omitting the facts surrounding their actions to explain how such a representation to me and the public of a default, that includes principal, interest, fees, and costs of collection associated with the defaulted XXXX Deed of Trust. To date, Bank of America has not made any attempt to explanation their decision to proceed to foreclosure and begin foreclosure processes as evidenced by their submitted responses to CFPB complaints related to the matter. 

Bank of America has charge me prinicpal and interest since XXXX to pay off the XXXX XXXX Deed of Trust which conveys the down payment assistance I qualified for under the State of California 's HEAP program. However, Bank of America never forwarded the monies charged to me in XXXX to the State of California, XXXX, but rather continued to collect both prinicpal and interest through XXXX for the XXXX Debt conveyed through and associated with the XXXX XXXX Deed of Trust. Additionally, Bank of America also collected monies from a bona fide purchaser ( BFP ) on XXXX XXXX, XXXX that included the current pay off amount of the XXXX XXXX Deed of Trust. It should also be noted my real property associated with this account was used as collateral to secure the XXXX XXXX Deed of Trust as evidenced by the XXXX Financing Statement and Assignments of Rents recorded in XXXX at the time of loan origination. 

Bank of America has not collected, applied, or accepted any monthly installment payments under the terms of the XXXX Deed of Trust and I have not offered, tendered, or have caused to be applied any monthly installment payments under the terms of the XXXX Deed of Trust sine XXXX XXXX, as declared since XXXX XXXX forward. 

Bank of America is guilty of Dual Tracking, a practice prohibited by law, as I have not received any written determination, as required, on appeal from the Bank of America Appeals Department based on their XXXX XXXX Appel Report to date. Therefore, Bank of America has no authority to cause to be recorded a NOD, NTS, proceed to Trustee Sale at public auction, or otherwise complete the sale transaction resulting from Trustee 's Sale. 

All previously mentioned resolutions are desired and mandatory,
I was a XXXX, who was advertising on XXXX. XXXX. When 2008 hit I dropped my XXXX My XXXX ad continued. I was contacted by XXXX XXXX and was told i was advertising and it was against their law. I told them i would change the ad and did n't know that it was against the law. I have been doing work as a XXXX in the state for years. Then I was sent a bill for a XXXX by XXXX. I filed a complaint as I looked at it as a extortion. I was n't working on that side of the state at all. The XXXX covers XXXX and XXXX together. I have contacted the state reps and have tried to talked to the state XXXX without any help. Now the state turned it over for collections a tax lean. That should be against the law by itself. The collection outfit is Allianceone rec, mgmt XXXX XXXX XXXX XXXX. This is a out rage against someone who has worked payed taxes for years in XXXX state. Extortion is the only way the state can get the funds for being broke, even if it means going after people like me
My husband graduated during the recession, had to defer for a few years because the job he got for his career could not afford the payments Navient/XXXX XXXX was saying he needed to pay. Went to grad school and graduated in XXXX 2015 and had to start making payment on the undergrad student loans, first payment being XXXX 2015. Filled out paperwork that rep said we qualified for a program to lessen the amount we had to pay monthly from {$1200.00} to {$850.00}. Called to set it all up and they said the new amount would be {$900.00}. This is half of his annual salary and is no way we can afford that. They have not been returning phone calls or willing ot work with us and have a lesser monthly payment. We want to make these payments but they are causing a lot of financial hardship because they are not being flexible. We need help with the monthly payments and they wo n't ever help us or give us a rep that who knows what they are talking about and being very unforgiving even though we want to make payments that are affordable.
I opened a dispute with experian. They were not correctly reflecting the balances on my credit cards making it appear that I had high balances on my cards ... they fixed the error on 2 of my XXXX  cards but completely deleted one of my XXXX  cards with a limit of XXXX and a balance of {$0.00}. I uploaded the statement of the credit card along with a note explaining the error and disputed twice but still my card is gone from my report. my score is affected as it has lowered my available credit and increaded my debt ratio. I would like my XXXX  card put back on my account with balance updated.
I got alert from credit reports this about this collections company. I've never owed had XXXX account. I contacted XXXX customer service I was given very little information as they couldn't verify my info on file I was giving them and told me this is most likely fraud account. I opened dispute on XXXX and this collections is coming back as accurate. I've never owned had XXXX services. I have same company for over 20 yrs. They have Wrong person in collections
My ex-husband opened an account with XXXX XXXX XXXX Bank using my name and SS #. His name is XXXX XXXX XXXX, SS # XXXX. The account is now in the name of Portfolio Recovery , Inc., XXXX, VA. in the amount of {$950.00}. There is a judgement filed against me for this action.
National Credit Systems is attempting to collect a false debt from me. They claim the debt was placed by XXXX XXXX. No verification nor validation has take place and this needs to be removed from my reports.
There is an address in my credit score that Ive never lived at. Ive never lived in California and i dont know how my address has changed from XX/XX/XXXX-XX/XX/XXXX, because I still live down south at my most recent location!
Update for OBM 3170-0011 XXXX I initiated a meeting with XXXX from US Auto Sales months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called US Auto Sales on XX/XX/XXXX at XXXX XXXX asking for a payoff amount. On XX/XX/XXXX my vehicle was repossessed. without warrant. I 'm pretty positive XXXX had something to so with this. XXXX told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting. 
Her neglect has impacted my well-being. The stress in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked XXXX who her Superior was and she refused to tell me, stating she did n't have one.
On the Morning of XX/XX/XXXX my Debit Card was fraudulently used by someone at multiple locations for a total of 7 times and a total of {$840.00} + {$9.00} in fees. I received a notice from BMO Harris stating that my card was compromised. I called the bank to confirm everything and start a fraud claim. After one day they approved one of my claims and paid me back a total of {$380.00}. After a week and a half of waiting I received a letter stating that they where denying the rest of my claims. They are saying that the physical card was used for the transactions so they are denying the claims, and that the first one was a mistake and they should have not paid that out. I have been in control of the card the whole time and was at home a sleep at the time of the alleged charges. Looking
Over the past three weeks I have received at least XXXX robocalls that purport to be from a debt collector. The caller/recording does not identify the person being called. Neither does the recording refer to a particular debt or creditor. " This is a call from a debt collector. Please XXXX. '' My caller ID lists the caller as " Unavailable. '' Due to the huge volume of solicitations and obvious scam calls to my phone ( despite being on the Do Not Call List ), I let calls from unknown callers go to voicemail. I DO NOT HAVE ANY DEBTS THAT WOULD REQUIRE A DEBT COLLECTOR TO CALL ME. PERIOD. Please make this caller stop calling me. Thank you.
When I took out the loan I did not understand the terms that I would be paying almost 600 monthly and that the payments were biweekly if this were made clear I would have never taken out this loan.
hello, My name is XXXX XXXX. my wife and I have a mortgage with Caliber homes inc. back in XXXX under there advise started a modification with there company and since the our back payment of XXXX has turned into XXXX. partly because they took forever to yield any results. when we started this process it was to see if we could put what we owe to the back end of the loan and start fresh. My wife has a XXXX and because i used up all paid sick days to take care of her and our XXXX children. my Job was understanding about my situation i didnt lose my job but days with paid were only so many days and we went over the amount. there are few months were we were short in the paycheck. so in XXXX we tried to make good her medication was under control and she was back on track which means i was back on track but that was not concerned them since XX/XX/XXXX all we did was increase the bill to the point where its out of control and now we are in forclosure with no sale date. if feel lied to and i was mislead. i want action
I've contacted Portfolio several time to provide me with charges made on the account showing a total of {$2400.00} They have only provided a statement balance but no charges showing being made on account being reported. I'm not aware of the charges and have now reported the charges as fraudulent charges
I have an auto loan wit h GM Financial. On   XXXX   XXXX ,  2017  the car was deemed a total loss. We were advised by the insura nce carrier and GM tha t the payment would be made and GAP insurance would cover the difference and not to worry. The car payment was due  XXXX   XXXX ,  2017  and again  XXXX   XXXX ,  2017 .   My account shows an {$8700.00} payment made by  XXXX  on  XXXX   XXXX ,  2017  when the car payment was due on  XXXX   XXXX .    GM  even waived the late fees for  XXXX .    GM d ebited my bank account on  XXXX   XXXX ,   XXXX   for {$310.00}.     I am now dinged with a 30 day late payment which is TOTALLY unfair.   Auto payments should have been  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   ( or  until GAP paid the remaining balance ). So if  XXXX  made payment  XXXX   XXXX , they debited my account on  XXXX   XXXX  and  XXXX  due date is not here why is my account showing 30 days late??????
I have medical data systems on my credit report twice. I went to the emergency room at XXXX XXXX XXXX once in XXXX of 2011. They turned my account over to a collection agency ( Medical Data System ) and it has posted twice on my credit. There 's a collection for {$1100.00} & another for {$1100.00}, but it 's for XXXX trip to the emergency room. Can I get XXXX of these charges off of my credit report?
1. Refusal to resolve problems, refusal to return phone calls addressing phone issues depite promises to the contrary 2. Placing overpayment when account is in good standing and regular payment was made into " borrower unapplied '' for several months instead of applying to principal as requested 3. several fees appear on customer account activity statement F/C and B/R expense ; corp advance adjustment and captial one refuses to explain what the fees are or why the fees do not appear on mortgage loan statement 4. collecting more in escrow than they are entitled to. The annual property tax is {$18.00}, XXXX and the Annual Hazard ins is {$4700.00} yet approx {$35000.00} has been collected. Approximately more than {$10000.00} has been fraudently assessed and stolen by Captial one for the year to date 5. Due to my complaints refusal to send lastest mortgage statement in retaliation
I have contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a XXXX party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.
I have been having issues with my personal information of my credit report not being accurate. The following addresses on my report are not mines. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX name is XXXX XXXX XXXX, Please remove any variations IMMEDIATELY. They are not accurate.
I have contact all  XXXX  credit bureaus to update my date of birth. I have sent my drivers license and they are still showing the wrong date of birth.
Navient granted me forebearance several times due to my hardship caused by hurricanes and loss of employment. They also refused to accept a full loan payoff five years ago, and have refused to provide records and communicate by mail. I lost my records in hurricanes that took place in XX/XX/XXXX & XX/XX/XXXX. My account is paid up to date, but due to Navient raising the interest rates I still owe {$3200.00}, but the loan is now over 20 years old, I am a senior citizen living on social security. I believe that due to the raising of the interest rates that I have overpaid by thousands of dollars the original amount owed. Navient is not treating me well, I have tried to resolve the issues but I feel I have been taken advantage of by Navient, and they are not treating me legally or ethically in regard to how much I have been required to pay to satisfy my original obligations.
Good Morning, I have a complaint about how discover card applies minimum payment every month. I have XXXX different interest rate that cover XXXX different balances. for example i have a balance of XXXX with a 14 % int, a balance of XXXX with 17 % int and a bal of XXXX with 21 % int. The XXXX balance is on older purchases and the 14 % is on new purchases. When they calculate my interest charge for the month, they have XXXX different interest charges from the XXXX balances. Each interest charge is added to the respective balance for example the int charge for the XXXX at 21 % is added to the XXXX balance. However, when I make my min monthly payment which includes the interest charged on all XXXX balances, the min payment is applied to the balance with the lowest interest rate. That means the balance with the high interest rate keeps going up and I am charged interest on top of interest for the following months. The min payment should be applied to all XXXX balances. Meaning interest charged at 22 % should be subtracted from the min payment because the min payment includes the interest charge for that month. This is a deceptive practice that discover card is practicing and has been practicing for years. It will take a lot of math to calculate how much I have lost due to this practice.
I am unable to log in to the XXXX website : XXXX. I attempt to reset my password ; but, it tells me that one of my security information questions is incorrect ; which it is not ( the model of my first car ). Their reply was : Our records indicate the security questions you are prompted to answer are based on the bureau information provided by Experian. Should you feel the answers are incorrect we would suggest you contact Experian to discuss the responses. The may be reached at ( XXXX ) XXXX. Their website also states this number to speak to a representative, which there is no option through their IVR. That is inexcusable. Flat out, they are reporting the model of my first car on my public record as inaccurate and I need it fixed! I need to have someone from Experian call me to fix this.
My issue is really trying to collect a refund that they owe. I agreed to repay my debt back and made all payments. My very last payment that was deducted out of my bank account on XXXX/XXXX/15 was {$150.00} extra. They have only refunded me {$20.00} to day. I am still waiting for my remaining {$130.00}. Each time I call Midland Credit Management MCM I am routed to a call center in XXXX. They use fake American names and they have access to all of my personal information including my bank account, social security number, address etc. I am getting the run around trying to collect my refund and can not speak to anyone who can help me. I am very frustrated and angry as I kept to my agreement, plus I am really upset how they just released my personal information to just any one in XXXX without my permission. Please help me get my refund back,
I am XXXX of the many homeowners that has a mortgage through Green Tree Servicing. I filed a loan modification for the XXXX time in XXXX 2014. I was approved and signed a Trial period contract, prior to making my XXXX payment, they called and increased the amount. I was then approved for the modification with a payment of {$850.00}. A month later Green Tree called said they made a error with escrow and increased my payment. Another month has passed and Green Tree is increasing my payment again because of attorney fees incurred during the previous foreclosure process.