WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each XXXX of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!
We have been making interest-only payments on our student loans beginningXX/XX/XXXX without issue until Navient made a payment system and UI change to their website in the beginning of XX/XX/XXXX. As of ourXX/XX/XXXX payment we have been forced to call Navient every month to have the payment on the consolidated loan reallocated to what was originally requested in their online payment form.

Prior to XX/XX/XXXX, Navient has allocated our payments as requested, the full {$35.00} going to the unsubsidized portion of the consolidated loan ( 1-03 ). As of the payment on XX/XX/XXXX and again with the payment made on XX/XX/XXXX, Navient has split the payment across both loans ( XXXX Subsidized and XXXX   Unsubsidized ). We have been forced to call 3 times to resolve the issue with the 2 payments, as one gentlemen refused to help.

We understand there are regulations around consolidated loans being paid off congruently, however, there is {$0.00} due on both portions of this consolidation loan as it is on an Income Driven Repayment Plan as well as In-School Deferment status. The only logical way to process a payment in this scenario is how Navient had been processing it for each of the prior 12 payments : the entire {$35.00} payment that we directed to the Unsubsidized loan ( 1-03 ) should be made to it and never split, again, as they had been for the prior 12 payments.

Navient has offered no permanent solution to this problem - aside from the gentlemen who refused to help made what seemed to be an IT related joke about how it's programmed. We have been disgusted with XXXX XXXX and Navient ( since they took over our loans ) ever since XXXX XXXX allowed loans to default without making any communication attempts via email, phone or even postal mail!

We've attached a screenshot of the payment history showing prior and current allocations of our payments. You can see the payment forXX/XX/XXXX was split, despite submitting it the same way as all previous payments, which clearly shows {$35.00} being allocated to loan XXXX and {$0.00} to loan XXXX. You can also see how we allocated the pending payment for XX/XX/XXXX, which ended up being split and required a call to reallocate it. Sadly, I have to keep a detailed spreadsheet of every balance, payment, confirmation number and how Navient applied the payment because they aren't a trustworthy servicer and don't provide line-item detail in their statements - oh wait, they don't provide statements!
Equifax is reporting a 30 day late from XXXX XXXX XXXX this account was never late please remove the late asap
on XX/XX/2018 I authorized a deposit for a transmission rebuild for {$700.00}. {$100.00} cash was given and {$600.00} was taken from my Navy Federal Checking Account. I was told i needed to do so by the repair shop so I would not be charged for towing. I did so reluctantly as a XXXX Vet on a fixed income I had applied for a grant and was awaiting a decision. I was told by XXXX XXXX once he got the check for the invoiced amount of {$1400.00}, I could reverse the deposit charge of {$600.00} and he would give me the {$100.00} when the check cleared. The grant was granted about a week and a half later at which time the car was delivered not only was the work not done but other parts of my car had been damaged from towing to intake and other engine components. The car literally malfunction 30 minutes after delivery and has not been working properly since with the check engine light on at delivery of vehicle. the 2 months it stayed at XXXX my car was damaged repeadtedly. SO when I filed the charge with Navy Federal for overpayment and work not done ; they did not document or take my evidence into consideration properly. 2 1/2 weeks ago the repair shop filed a dispute with their bank and had the {$600.00} reversed. Navy federal immediately reversed the charge stating I did not provide evidence. This is the second incident of Navy Federal claiming documents were not received an in both cases continues to leave me responsible for payment. As well they took this money out of my account that my VA XXXX is deposited which is also illegal. Last year I was also told I was now responsible for another persons account that I co-signed for after I had returned paperwork to b removed form account. They refused to move me from account and continue to hold me fully responsible. So when the dispute was challenged Navy Federal requested several documents and turned in all and then they said it was not information to turn into VISA so they were going to let a thief keep {$600.00}. I spoke to the rep XXXX today in the Dispute Department she over talked me and was very arrogant and rude with her explanation and refused to take into consideration the error that has been made by Navy Federal
I requested copies of cancelled checks that were used to make payments on a home equity loan owned PNC Bank. I made the request to a PNC customer service representative on XXXX XXXX, 2015 and got no response to date.. I need this information to use as evidence in a pending court case.
Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because XXXX XXXX, formerly XXXX, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. 

Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. XXXX XXXX has changed its name but its fraudulent business practices have continued right where XXXX left off. I hope that you will contact the firm and address this on my behalf.
This is in regards to my Santander XXXX checking account. This account gives a {$10.00} bonus 2 times each month for a total of {$20.00} dollars. XXXX bonus ( {$10.00} ) is for having a direct deposit of at least {$1500.00} each month and the other bonus ( {$10.00} ) is for making a total of XXXX bill payments from the Santander website per month. 

I did not receive my bill pay bonus ( {$10.00} ) for XXXX separate months. Those months were XXXX of XXXX and XXXX of XXXX. 

During XXXX I made the following XXXX bill payments : XXXX. XXXX XXXX, XXXX - {$530.00} bill payment to XXXX XXXX Credit Card ( XXXX Card ) XXXX. XXXX XXXX, XXXX - {$610.00} bill payment to XXXX Credit Card ( XXXX Card ) During XXXX I made the following XXXX bill payments : XXXX. XXXX XXXX, XXXX - {$480.00} bill payment to XXXX XXXX Credit Card ( XXXX Card ) XXXX. XXXX XXXX, XXXX - {$14.00} bill payment to XXXX XXXX Credit Card ( XXXX XXXX Card ) I called Santander on XXXX XXXX. During this call a representative helped me open a case which was escalated and would be resolved in a week. I received a call on XXXX XXXX from Santander bank informing me my request had been denied and that I did not make XXXX bill payments from my account. I do not agree with this and the records on my account show that I did indeed make the required XXXX bill payments. I was not able to further escalate the case over the phone. 

I would like Santander to fix this issue and follow through with giving me the XXXX bonuses for {$10.00} each ( {$20.00} total ) as the account terms indicate.
I have send all 3 credit bureaus letters to remove inquires which I do not recognized. None are from companies or businesses I deal with. I also have place a freeze on my account to prevent unauthorized inquires. They have ignore all 4 times I have send a request. 

Here are tracking for all the mail I sent plus others which I just put a postage stamp XXXX XXXX XXXX XXXX XXXX XXXX They need to remove those inquires as requested from all 3 credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I have also mail the names of those who placed the inquires with to no avail
I previously had a state lien in the amount of XXXX that had been released and removed from my Credit Reports because it was paid and everything. It was removed from all XXXX credit reporting bureaus. It was removed sometime back in XXXX XXXX. Upon going to check into my scoring and accounts the week of XXXX XXXX, XXXX I discovered that Equifax had placed this back onto my credit file without my knowledge. They are the only bureau to do this. I immediately called Equifax to discuss disputing this since it had been prior removed and a dispute was placed by an agent there. I do not believe it was done correctly though as he was not entering in all of the information that I was trying to tell him. I received the " result '' of the said dispute today and absolutely nothing has been done to this account. This is rendering me as even though it has been paid, it still gave me a big hit being placed back onto my credit without my knowledge. I do not find that this is even legal to do this, especially when the other reporting agencies are not reporting it and I have paid all of my debt to this a long time ago.
[ Summary ] 1. My property tax deposit on escrow account statement is incorrect ( 30 % more ). I submitted all required documents to request the correction but no response was received and no correction action was taken. 
2. My property tax due on XX/XX/XXXX was not disbursed from my escrow account. I had to pay property tax plus penalty myself to avoid adverse actions from local authority. 
3. I requested a cancellation of my escrow account and was denied by the mortgage service company by terms that were never disclosed to me. 

[ Detail ] I refinanced my property in XX/XX/XXXX. I realized the property tax deposit amount in my escrow account statement was incorrect ( $ XXXX/month in the statement, $ XXXX/month from city 's property tax assessment ). 

I contacted the mortgage service company XX/XX/XXXX and was advised that I need to submit a written letter together with city 's property tax assessment to correct this issue. I followed the instruction and faxed all documents to the number provided by the customer service representative over the phone. Despite I followed all requirements, I never received a response or correction since then. I believe that this is a clear violation of U.S. code 2605 ( e ) ( 1 ) " Notice of receipt of inquiry '' and U.S. code 2605 ( e ) ( 2 ) " Action with respect to inquiry ''. 

My XXXX property tax payment due was XX/XX/XXXX, there was not payment disbursed from my escrow account. I found out that I was late on the payment on XX/XX/XXXX, to avoid any potential adverse actions from local government, I had to pay the property tax due plus a {$4.00} late payment interest myself. I believe this is a violation of U.S. Code 2605 ( g ) " Administration of escrow accounts ''. 

As a result, I contacted my mortgage service company on XX/XX/XXXX to request a cancellation on my escrow account and a refund of escrow account balance. I also stated the recent late payment issue. 

I received a letter from the mortgage service company today, the company did not response to my statement regarding the late payment or any remediation. It simply declined my request of cancelling my escrow account because1. The Loan to Value Ratio must be below 80 %. 
2. The Loan must have 12 months of good payment history. 
3. Taxes and insurance that are due within the next 60 days will not be applicable for an escrow deletion. 
4. All XXXX must maintain escrow according to the approved HUD-1 statement signed at closing. 
All these terms was never disclosed to me before of after my closing. I agreed to signed up an escrow account during closing despite my Loan to Value Ratio is far less than 80 %, but there was no disclosure of such terms neither did I sign any document to accept these terms. I believe the mortgage service company and title company are obligated to disclose this information if it is against me, which it serves now. 
Also by holding my escrow account and imposing a monthly charge without any disbursement, the mortgage service company not only violates U.S. Code 2605 ( g ) but also RESPA cushion limit. The total balance in my escrow account is far more than XXXX annual property tax due.
Please see attached ID theft documentation which shows and supports the listed Inquires need to be removed as required by law within 4 business days of receipt. Also update Credit Acceptance Account Payment History to ALL Payments made on time since at no point was the account EVER XXXX days late.
Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against XXXX XXXX XXXX for reporting erroneous late payments to the credit bureau. 

I also file complaints against Equifax and XXXX falsely lowering my credit score ; reporting incorrect late payments and refusing to remove inaccurate collections on my records. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with XXXX XXXX. I am at the mercy of these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted XXXX XXXX and their representative says they are not reporting any late payments. Please tell me what to do
Immediate correction required : Numerous positive tradelines are missing from my credit report, creating the inaccurate " short '' credit history that has damaged my credit. Given the significant weight given by the CRAs in calculating ones ' credit score, the unauthorized deletion of decades of positive trade lines is a gross violation of fair credit reporting practices, to say the least, and actionable by the injured consumer. it seems shockingly inappropriate that the entities charged with a fiduciary duty in collecting and managing the public utilization of credit resources, are able to so negligently permit this to occur, without any mechanism of prevention, to insure accuracy and integrity of the credit reporting function.
Transworld Systems has reported a collection account on my credit report I didn't know was there. I've never received any information or had any contact with this company about this collection account. I have not been given any opportunity to verify the validity of this alleged debt nor have I gotten the opportunity to dispute the debt with the company. I submitted a dispute with TransUnion credit reporting agency and of course they say the company has validated the debt. I have no idea how that is even possible since I have not been in contact with this company nor have I been provided with any information regarding this debt. Transworld Systems has illegally reported this alleged collection account on my credit report and is in direct violation of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act!
Capital one was notified by me about 2 cards I have with them. I paid the cards off. Now they are maxed out. Each card has two account numbers, wrong information, wrong telephone number, billing info incorrect, and lot of charges that do not belong to me. I do not want negative remarks on my credit report.
XXXX /wachovia bank / wells fargo bank [ mortgages ] there are wells fargo whistle blowers on all the public chat lines XXXX about mortgage fraud /fraudulent forclosure /preadatory lending /forced home owners insurance stolen propertys / stolen funds from escrow acounts / excessive acount charges / none applied funds / fasified documants / perjury comitted in courts across america, No missed paymants acont in credit all the proof is in the court papers that the corrupt judge XXXX refused to look at. that is fraud, the cfpb and XXXX XXXX XXXX have recieved complaints about wells fargo and you have done nothining since XXXX until XXXX and still fileing complaints to case all of these email will be used in evidance against you as you have been negligent and i hold you responsable for my incureing loss of my family home so we go to court, you have had enough time to bring wells fargo to justice and all this crapp about false acounts is a deliberate act of divershion to make the tax payer that you are doing your job? And that is rubbish and you no it fraudulent, mortgage forclosure is the biggest rippoff since watergate? i wonder if XXXX XXXX knows what has been going on this is govermant planned to the core and i will prove it but iam going to ask the new presidant why i had my home stolen? with over 50 % equity in it good steel? then iam going to float it on XXXX for responce before court proceedings i will win in the end
an account for XXXX XXXX reports on my XXXX and Experian I never opened account infact when I first became aware I sued the dealer..
I lost my wallet at time ssc was in there. I 'm confused on seeing I owe I think its possible I want further information possible someone is using my Indentity
Should have received XXXX from XXXX, instead received XXXX BTC From XXXX : XXXX XXXX Address : XXXX XXXX XXXX  XXXX I filed a support case and contacted support a week later when I did n't receive a response. I XXXX at both the company and support XXXX accounts. Again, no response.
This letter is a formal complaint against RSH & Associates , LLC, a collection agency located a XXXX. XXXX XXXX XXXX, Kansas XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I 'm just over my head with this company. I XXXX XXXX take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have  since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Please investigate the collection practices of this company, specifically in my particular case. I 'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any and all record regarding my name from their database. I would like to prevent other consumers from having to deal with such a heartless and non-compliant company. And in the meantime, would you please also force this company to delete any inaccurate and defaming accounts they are posting about me with the three major credit bureaus since they have failed to validate these four accounts. This is causing serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional.
IN XX/XX/XXXX I notified Nationstar of an error in applying payments and they acknowledge the error - They further accknowledge the need to correct and reset my mortgage - I have been assisted by an excellent member ( XXXX XXXX ) - however XXXX XXXX has been promoted and the correction is pending 5 months later and as of today - still unresolved. 

XXXX XXXX have confirmed in writing - ( 1 ) I have been wrongly been reported as in foreclosure, ( 2 ) I have wrongly been accessed legal fees, ( 3 ) I have wrongly lost my fixed price interest rate and defaulted to a adjustable rate, ( 4 ) I have wrongly been accessed Admin fees in excess of {$500.00} per month for more than a year ... .. ( 5 ) my credit report has been impacted by these errors for more than 8 months - Nationstar/XXXX XXXX has tried repeatedly, but after 5 billing cycles has been unable to resolve, reset and fix these HUGE errors - that Nationstar admits are completely their admin errors. 

XXXX XXXX is a wonderful man and has been a blessing - however he is not being supported by Nationstars processes to correct these error
I am currently in the process with Wells Fargo for a mortgage. 
I told Wells Fargo that some of the information is inaccurate on the report and all items are at a {$0.00} balance but not reflected on the report they have. I asked them to re-pull an updated report, they are telling me that they are not allowed to update my report unless it expired. This will cause me to have a much higher interest rate. 
According to UDAAP this is also highly discriminatory as numerous other Wells Fargo customers normally update their credit reports to reflect updated and more accurate information. If they thought the updated information was negative they would immediately update it. Since the information is positive they are discriminating against me so they can charge a higher rate.
On XX/XX/XXXX I realized that I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
The company needed an account number in order to identify me for my last dispute. I did not have an account number due to me not having a validated account with them.
XXXX XXXX XXXX does not have a surety bond to collect in state of XXXX. They are calling and harassing me in regards to a Debt that is fraudulent and I do not have any knowledge of. I have filed complaints via email with the CEO XXXX XXXX of Experian. I submitted my fraud affidavit as well in the email, but I have yet to receive a response. I also filed complaints with the attorney 's general office of XXXX and XXXX. I have also filed complaints with the XXXX financial regulatory in regards to this matter. Experian and XXXX XXXX XXXX is in violation of the FDCPA laws and also section 605b. I have hired a consumer attorney and I have kept records of all of the my complaints that have been made.