WillisBack/dataset-financial-user-claim huggingface dataset:
they keep adding 30 day lates to my mortgage pay history they say that no matter how many days the payment is late they can mark it 30 days late if it is not made by the next due date. in XX/XX/XXXX of 18 they have marked my credit 30 days late and it was 28 days late thus adding derogatory information to my credit report that is in accurate. this is not fair credit reporting and they need their practices investigated
on XX/XX/XXXX complaint number XXXX with the Consumer Financial Protection Bureau, was responded by transunion. Problem was not resolved. Original claim was disputed in writing to transunion headquarters and still not resolved. These inquiries are by XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. These inquiries are unauthorized and fraudulent, I asked they be investigated and removed.
My daughter had a bill with XXXX XXXX in XXXX tn. She was an adult at the time of service but they put me as a guarantor but i signed nothing. They also disclosed info to me about my daughter and turned the bill over to collections to frost arnett company in which i never received the first bill from the XXXX. I advised them this better not go on my credit because she is XXXX and adult.
This debt collector keeps calling for someone else that isn't me. I have told them this at least 10 times, I have even called back and recorded telling them they have the wrong number. I have also told them that I have had this same number since XX/XX/1998 so they have very bad information and they need to stop calling me. They call me one to two times per day, early on the weekend and incessantly despite me telling them I am not the person they are looking for. I need them to stop calling.
This is an ongoing issue. My wife and I did a Deed In Lieu with Seterus XX/XX/XXXX. They incorrectly reported the dates that we missed payments. We filed a complaint with the CFPB after disputing it with the XXXX, XXXX, and XXXX failed to correct it. Seterus corrected the issue and then incorrectly reported that we missed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have denied doing this. We filed a new complaint regarding the incorrect reporting ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and Seterus responded to the CFPB that they would correct the reports to no longer show us late in XXXX. I appreciate that, but it does not address the issue that we are showing late for XX/XX/XXXX. 
Our original loan with Seterus was closed XX/XX/XXXX when we refinanced. They issued a refund from the escrow on that account in the amount of ~ {$500.00} that we did not discover until XX/XX/XXXX. It was not given to the state, nor did we ever receive it. They consistently refer to the new loan when we bring it up or tell us to prove that we did not cash the check. It has been researched numerous times and promises to send the refund have resulted in nothing.
On the morning of XXXX XXXX, 2016 I placed a call to Spears, Dewitt and Hall in XXXX XXXX Texas with the intention to resolve XXXX of XXXX accounts and post date a payment for the second account til a later date in the same month. 

The first mistake the collector made was she gathered my routing and account number before telling me there was a {$25.00} fine for processing a check over the phone. I thought that was way to much so I told her I would then mail in my payment. The collector grew angry with me about this so I requested to speak to her supervisor. The supervisor said she would n't wave the fee but would settle the account at {$25.00} less. I told her I did n't want to settle because of how that would affect my credit score. She continued to push me into the settlement. The supervisor also told me that the first account I was wanting to pay that day has already been resolved. I asked for a receipt and I hung up because she continued to push me to get the second account resolved. 

Immediately after my hanging up a collector who identified herself and as a payment processor for the company called back asking for the payment again. The second collector who called back did not state the Mini Miranda before attempting to collect. 

The following Tuesday on XXXX XXXX, 2016 I noticed a missed call from the company on my caller ID followed by a XXXX second silent voicemail.
I filed bankruptcy in XXXX of 2010. There are several medical collection items that were included in my bankruptcy that still show open on all XXXX credit bureaus. I would like to have them removed and am not sure how I can do that?
I had a credit card with Discover then they cancelled it. Acct no. XXXX was wondering what happened. Then I recieved a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous
XX/XX/XXXX - I received a letter in the mail for settlement of debt that is being reported on my credit report. I have paid the agreed amount of {$240.00} to XXXX XXXX XXXX XXXX and no longer owe this debt collect. XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX sent me a " payment receipt for settlement of debt in full '' and it states that they would contact the original creditor shortly and it has be 15 days since payment. The company stated that XXXX XXXX XXXX the original owner of the debt will " in the normal course of their business, make the appropriate amendment to the credit reporting agency ( ies ), if applicable. When this debt was sold to XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, it was no longer XXXX XXXX XXXX XXXX. I have satisfied payment in FULL to the company who owns the account which is XXXX XXXX XXXX XXXX There is nothing that XXXX XXXX XXXX will report to the credit reporting agencies because they have sold the debt to another company. THIS DEBT IS NO LONGER OPEN AND SHOULD BE REPORTED AS A DELINQUENT ACCOUNT, NOR A COLLECTION ON MY CREDIT REPORT.
On XX/XX/2016 I called to request my payment to be increased to pay all my loans off in XXXX mo 's. The representative stated it will be {$790.00} in total. On XX/XX/2016, they pulled {$850.00}, a {$64.00} difference. On XX/XX/2016 I called Navient to request the correct payment and a refund of the {$64.00}. I asked the representative to recalculate my payment so that it could be paid off in XXXX years, and she stated that they miscalculated my payment before and she needed to correct it. She stated my total payment is now going to be {$750.00} .After a XXXX minute call and escalating the issue twice to a supervisor I was approved the refund for {$64.00} and they stated that it would put my account in delinquent status but that status will fall off in a few days. As of XXXX today, my account is still in red despite the fact it was paid. I was told the {$64.00} would credit my account on XX/XX/2016, and no such credit is received. Furthermore, I know the payment of {$750.00} is incorrect because the statement I was issued from them shows a payment term of XXXX months, not XXXX as I requested twice before. I also see on my statement they changed my repayment terms, which might mean I am no longer able to just pay the minimum if I wish to no longer pay my loan aggressively. 
My goal is to have a XXXX month payment amount but not have that be what my minimum required payment amount is. I do n't want them to change the loan terms, but to keep the original agreement I signed in my promissory note to XXXX XXXX before Navient started servicing it. I am increasing my payments to them, so I do n't see why they have to mark me as delinquent and lie to me and say that my payment is XXXX months when looking at my statement it is XXXX months. 
I am employed at a financial institution where I process loans. I am appalled by their behavior and their refusal to correctly calculate payments. They threatened to put my loan as delinquent when I asked for the {$64.00} back even though it was a servicing error on their part. Furthermore, when I faxed a request for a {$10.00} credit for the overdraft fee to my account that ensued by this {$64.00} discrepancy, the request was never addressed and no action was taken on their part to rectify the situation. 
I do n't believe that Navient is acting in the best interest of their customers. My hope is that with this complaint you can look into the company and instigate new regulatory procedures they should follow in order to better their financial relationships.
In XX/XX/2018, my mortgage loan was transferred from XXXX XXXX XXXX c/o XXXX XXXX to XXXX XXXX XXXX c/o Specialized Loan Servicing LLC. 

I sent my XX/XX/XXXX payment ( amount XXXX ) to the new address ( XXXX XXXX XXXX, XXXX GA, XXXX ) with the old loan account number on the check. The check was cashed on XX/XX/2018 by Specialized Loan Servicing electronically and not credited to my account. 

I contacted SLS on XX/XX/XXXX explaining the mistake. A ticket was open to research it.

Resolution date from SLS is given as XX/XX/2018. That is after the RESPA protection window, so I may be subject to fees, penalties for this misdirected payment. 

This is not a timely resolution for a simple misdirected payment, in my opinion. And that my check was cashed and held by the servicer means that I would have to make double payments to bring my loan current.
I am the XXXX  " " the garnishment I received via email on XX/XX/18 ; for an employee, did not appear to be standard ( signed by a judge or court officer ) I contacted our attorney who then referred me to you to report this. I have all emails and paperwork sent to me by XXXX XXXX XXXX.
Wells Fargo is " stacking debits '' in order to maximize the overdraft/NSF fees they are charging me. For example, my XXXX XXXX XXXX bill was debited from my account causing my balance to be - {$33.00}. I immediately went to Wells Fargo within hours to deposit money into my account to cover the charge. After the deposit my account was positive again. Shortly afterwards I withdrew cash from the ATM knowing that I would be charged an overdraft fee. Once my account balance was negative again, the XXXX XXXX XXXX charge mysteriously disappeared for several days then was re-debited to my account and I was charged another NSF fee. When I called them out on it, they only offered ton refund part of it. I accused them of stacking debits and told them I would file a complaint with the CFPB. They refunded the fee then but now they have done the same thing again today with a XXXX purchase for {$10.00} on XXXX XXXX, XXXX ( TX toll tag ) on XXXX XXXX for {$20.00}, XXXX 's restaurant for {$35.00} on XXXX XXXX and XXXX XXXX for {$7.00} on XXXX XXXX.
My Personal Checking Accounts & Savings from Wells Fargo Bank were closed without notice XXXX XXXX. While attempting to use sufficient funds from the accounts, the cards were declined twice. Wells Fargo customer service department was contacted which then directed the case to the Loss Prevention Department. At that time, for the first time I was notified that the Wells Fargo Personal Checking Accounts and savings had been closed. It was also brought to my attention that the establishment no longer wished to do business with me as a customer. There was no written notification, verbal contact, email etc. to inform me as a client that the accounts were being closed. I proceeded to inquire about the funds that were in the accounts that had been closed without notification. Wells Fargo Bank informed me that a check would be cut XXXX XXXX and mailed. As a customer I am being inconvenienced without just cause. Is this something that can legally be done without notification? What can be done to expedite this process so that the funds are returned. Thank you for your time
I recently found 3 wrong transactions under my name and addresses in my credit report with this company XXXX XXXX  I got recently legalized as Permanent Resident in the United States on XX/XX/XXXX. I have all the proves to show. I just received my SSN as well on XX/XX/XXXX I came to the United States on XX/XX/XXXX with a XXXX XXXX   XXXX. I wrote a letter to the company saying these things : * I am not the person that they are looking for. 
* I didn't check my credit score before because I didn't have a valid SSN and I wasn't able to apply for any credit before. 
* I recently open 2 credit cards account with XXXX XXXX. Both of them are in great shape. 
and paid on time. 
* My information shows on the dark web. ( i saw it for the first time on my XXXX XXXX XXXX at the same time that all these things showed up as well on my report ) * I opened my XXXX XXXX XXXX  App from XXXX XXXX on XX/XX/XXXX on XX/XX/XXXX my credit score was XXXX then I checked again and now is XXXX. 
* I was looking into my app and its show 3 transactions under my name with the wrong addresses and years that don't match. these are the accounts : *1 ) XXXX XXXX XXXX {$1000.00} on debt Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type Not Reported Responsibility Individual Age Of Account 3 Years, 1 Month Credit Limit Not Reported Highest Balance {$1000.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX *2 ) XXXX XXXX XXXX  {$1100.00} on debt ( account closed ) Bureau Name XXXX XXXX XXXX  Account Type Credit Card Responsibility Individual Credit Limit {$500.00} Credit Used 229 % Highest Balance {$1200.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$1100.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX *3 ) XXXX XXXX XXXX XXXX NY ( wrong address ) Total Debt {$2200.00} Accounts With a Negative Pay Status LENDERTYPEBALANCE XXXX XXXX XXXX COLLECTION/CHARGEOFFOther {$1000.00} XXXX XXXX XXXX COLLECTION/CHARGEOFFCredit Cards {$1100.00} I sent a letter and copies of all the pieces of evidence that I didn't live in all those places. I even put my ex-landlords phone number so they can reach them and talk to them. 
I sent copies of all the letters when I got legalized and copies of all my IDs with the dates on it. 
I can resend all the copies that I sent to this company to you. 
How can I have transactions before getting my valid SSN?

My personal information was stolen on the web.

and now my credit score is in a pretty bad shape XXXX  P.D. I can resend the letter that I sent to this company to you also the copies of everything.
I am an American Express Platinum account holder. As one of the benefits offered by American Express as a Platinum Card holder is Travel arrangements provided by American Express. On or about XX/XX/XXXX I used their services, on-line, to purchase an emergency flight and hotel accommodations. Within 24 hours of making this reservation, I called American Express Travel directly at approximately XXXX XXXX  XX/XX/XXXX to inform American Express Travel Agent to cancel the entire arrangement. The agentwho took y request, in my opinion, was extremely agitated which I assumed was due to the XX/XX/XXXX travels. Nonetheless, this Customer Service Agent at American Express Travel forgot to cancel my flight with XXXX XXXX. I was charged for {$690.00} for her error. I have made two previous disputes. The first was denied because I did not provide appropriate documentation, with the second I was able to provide names, date and even spoke with a supervisor who acknowledged the agent did not cancel the flight reservation. This supervisor has the transcript of my call requesting the cancellation. 
I was informed XX/XX/XXXX that my dispute was denied because I did not cancel my flight directly with XXXX XXXX. I did not have a ticket or confirmation number from American Express Travel since the arrangement was made directly with American Express Travel within the 24 hour  cancellation policy. The Agent did mention that the XXXX reservation may not be refundable and I informed her as a XXXX XXXX member all reservations are refundable. I called XXXX at spoke with the night manager and he assured me the cancellation was not a problem and neither I or American Express would be charged since the cancellation was made less than 24 hours from being made. 
This American Express Travel Agent was responsible for cancelling my flight. She did not cancel as instructed and now I am being charged for her error. I did not deal directly with XXXX and had no information to provide to XXXX. 
I was also told by an American Express Supervisor this evening that American Express Travel has  no affiliation with American Express Credit Card Company.
i am about to get out of bankruptcy and payoff mortgage in XX/XX/2017 with phh mortgage they did not give me escrow analysis in 5years know they give me one in XX/XX/2017 and say i owe XXXX dollars they can not tell me the dates when this started they are not telling me nothing in writing could you look into this matter i wrote the trustee in this and contacted the bankruptcy lawyer no response my loan # XXXX phh mortgage
I opened an account ( residential account ) with  XXXX   XXXX   XXXX   XXXX   (  known today as "  XXXX  ' ' )  in  XXXX . I personally went to this company and closed the account in  XXXX  ( I am attaching evidence ). During the last years, this account appeared in my Transunion credit report in the "  Closed  Accounts '' section until it was removed from my Transunion credit report. Recently ( since  XXXX   XXXX  ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with Transunion along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately, Transunion did not accept this evidence so as to remove this account from my credit history. I called again to Transunion and they asked me for another kind of lette r ( Credit Correction Letter ). T hen I called again to  XXXX  and they informed me that they " will '' send  a Credit Correction Letter.   Originally  XXXX  informed me they sent the letter but they did not. Attached you will find evidence that I went personally to  XXXX  in  XXXX  to ask for a letter as an evidence that this account was closed in  XXXX .
XXXX  a credit card was takin out in name without my knowledge the credit limit was  XXXX  $ went into default sold off to  XXXX   XXXX  holding  XXXX   XXXX   XXXX  then  to Razor   Capital LLC   XXXX   XXXX   XXXX  by the time i was aware of any of this it was   XXXX    XXXX  explanied that i did not take this credit card out found out that  someone in   XXXX  FL did this i have lived in NY my enitre life also i filed a report with the NY state Police in  XXXX  NY i have always paid my bills and credit cards in full i have perfect credit, HAD untill this
I disputed the lates that were on my credit report from all the bureaus XXXX, XXXX and Transunion. All three have not removed the late from XXXX XXXX after being provided proof.
EQUIFAX HAS REFUSED TO UPDATE MY CREDIT REPORT AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. EQUIFAX ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.
I received a call and letter from Cach , LLC. They have been emailing me through a secure online email, which is suspicious. They are saying they purchased a loan from XXXX, I took out with my husband XX/XX/XXXX, they took over XX/XX/XXXX. 

They waited 2 years to contact me for collections.They are very aggressive. It is not showing up on either one of our credit reports ( checked all XXXX CBR ). 

My contact with Cach, tells me it is, then tells me they have to fix that. Then I ask for the transaction history. Which it says in the letter they sent is attached on XXXX XXXX, is not. The contact says, he can not give it too me. From my records my last payment was made XX/XX/XXXX. So the Statue of Limitations is coming up on 6 years for NYS. Makes sense for their aggression. 

The loan is for XXXX. Also they added on XXXX pages of their own " additional terms '' to the loan agreement we signed, " thinking we would n't notice ''? 

They are trying to get us to settle of course. I am on XXXX, I have sent them all proof they can not collect from me. They want my husband to settle, he is thinking of filing Chapter XXXX. 

Cach is very inconsistent with their responses via email and seem deceitful. We do n't trust the person ( s ) we are contacting CACH. LLC. 

We know they can get a summary judgment. We are researching other ppls horrors stories. We own a home and are very very concerned for our well being. The loan also does not show up when I ran a loan search XXXX. 

I am going to XXXX to the the recovery account department to get a copy of my account. I hope this will resolve the SOL and be able to have a little bit of understanding how to move forward. 

I have all their email with lies.
After looking over a copy of my credit report I noticed that this company was reporting an unknown collections on my report that I was unaware of. I then filed a dispute with the credit bureaus and I also send TEK Collect a letter requesting that they remove the unverified account in which I send certified letters with tracking receipts. Per CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also XXXX XXXX Compliant.
My card was used in XXXX on XXXX XXXX  a purchase that was supposed to be returned and never did
On XX/XX/18, I contacted our mortgage company, XXXX XXXX XXXX  ( now XXXX XXXX ), concerning past due property tax, homeowners insurance, and flood insurance which should have been paid from our escrow. I was advised to email the documents and the request to XXXX which I did. The homeowners and flood insurance were both paid in XXXX but, to date, the property taxes are still outstanding. Since XX/XX/18, I have called and emailed several times. In XXXX, I was promised that the taxes would be paid on XX/XX/XXXX but they were not. Each time I have called, I have been told that the situation is being escalated, they are looking into it, etc. Recently, our county 's tax office issued a notice to place a lien on our property due to nonpayment. The mortgage company is being of no help. Please assist us.
I had a dispute over {$490.00} charge and the cc company credited back to account and I have supporting data and letter to support this from the credit card company. Credit card company then rebilled same charge again on same day and billed me with interest and harassment calls 3 months later. The card was closed after credited the {$490.00} and yet the charge mysteriously appeared months later. 
Ive called twice, was transferred a minimum of 3 times, they still have no resolution and they claim they record all calls and Ive asked them to review their records of call made to me stating account is closed and all charges were at XXXX. I also reminded them of letter they sent me stating the credit and if they needed any other info from me theyd contact me. They never contacted me. They simply started billing me finance charges, and made phone calls to me on Sunday asking me for resolution to my bill. What a joke!