WillisBack/dataset-financial-user-claim huggingface dataset:
See attached document showing payments still not reported per XXXX, missing from credit bureaus. Per taped phone conversation and CFPB complaints ... XXXX did admit to wrong doing per their representative, Mr. XXXX XXXX misguiding me to stop making payments at the beginning of my VA loan which led to the beginning of the multitude of CFPB complaints. 

Per XXXX making final payment of forbearance and stating, " XX/XX/2018 we will submit all payments that have been made to the credit bureaus. '' **See attached document showing payments still not being properly submitted** I need ALL of my payments reported through out my VA mortgage loan. I need a statement sent to the credit bureaus so the proper changes can be made. Please refer to taped phone conversations as well police report over the past year of multiple complaints against XXXX Nationstar Mr. Cooper with regards to incorrect reporting, errors being reported, made up information being reporting, over {$100000.00} without my knowledge as well being added to my current VA mortgage loan. 

Per taped conversations per your company representatives, " Mr. XXXX XXXX, Mr. XXXX XXXX and a female representative, " XXXX '' who works for Nationstar ... Refer to the information where it was clearly stated to me via phone ... to give them until XX/XX/2018 and we will make sure that all payments will finally be updated with the credit bureaus and then my credit should reflect the changes ... positive changes. 

The complaints will escalate to higher powers that be until this is once and all resolved. 

XXXX XXXX
Our loan officer, XXXX XXXX, lied to us on two occasions. The first occasion began when my wife and I asked for our rate to be locked at 3.75 %. She responded the next day by saying that our rate was locked as of that day and that we would be receiving a form to sign to that effect. We waited a week before emailing again to inquire about the form as we had not yet received it. She responded that day by saying that our rate was locked but at 3.875 %. She wrote in her email to us that she thought that " we had discussed this. '' Of course, that had not happened. We had no email notification and no phone contact with her. I will apologize and withdraw this complaint if XXXX can provide so much as a phone record stating that she spoke with my wife or I during the week since stating that our rate was locked while referencing a document listing 3.75 as our rate. 

I contacted XXXX 's supervisor to have him correct her behavior. He did. However. No apology was given. And while we requested a new loan officer on account of XXXX 's behavior, our request was not granted. In fact, XXXX then called and left a rude and unprofessional phone message. 

On the second occasion that XXXX lied, our realtor was reviewing disclosures a week prior to closing and noticed that some closing costs were being billed to us. Our realtor emailed XXXX ( while cc'ing us ) to ask for an explanation as the understanding was that no closing costs were to be billed. As I saw no response from XXXX to our realtor, we emailed her asking for an answer. XXXX emailed back to say that she had already responded to our realtor in stating that they would be removed just prior to closing. This was a lie and our realtor immediately noticed and wrote her back to say that she had received no such response. When I emailed again ( while cc'ing XXXX 's supervisor ) XXXX responded by rudely stating that it was n't her responsibility to explain things to our realtor - completely ignoring the fact that she had just lied to our realtor, my wife, and I. 

Further, it was our understanding that we were to have received a final loan disclosure document 10 days prior to closing. We did n't see the final document until we were at the signing. We had to check whether or not XXXX had changed the terms of the loan at the signing. 

Our experience with XXXX XXXX and XXXX XXXX was extremely unpleasant. We will make sure that everyone we know and who will listen will know about our experience.
I have been making payments through my credit card faithfully and almost time until I came up with three issues today. One, I could n't login after I sent an email to customer service asking proof of my point of sale relating to my debt. This was on  XXXX / XXXX /2017 at   XXXX   XXXX   Central Time. Two, they have been committing fraud by returning payments from my bank that they posted two days in a row. Three, they 're claiming that they do n't have my email on file, which is false, in order to collect late fees. In addition, they know by law they 're to give a 45 day notice when closing an account, which I believe they have done. If this is the case, then I want my balance at 0. Thank you.
I filed for Chapter XXXX bankruptcy protection in XXXX primarily for relief with XXXX private student loans serviced by XXXX XXXX ( now Navient ). I have multiple student loans with Navient. Only XXXX of the private loans were part of the bankruptcy repayment plan. As part of the plan I repaid the balance of these loans in full with 4 % interest, and did so 2 years early XXXX XXXX XXXX ). Subsequent to receiving my bankruptcy discharge I noted that the XXXX accounts which should have been paid in full were still present and had a balance. After doing some research I realized that the trustee 's payments for the bankruptcy had been directed across ALL of my loan accounts, not just the XXXX that were named in the suit. I called Navient to inquire about this and was initially instructed that there was no issue, that all accounts were in good standing and there was nothing to be concerned about. I later discovered after checking my credit score that these XXXX accounts were actively being reported as " Charge-Off '' with an outstanding balance that showed as not being repaid. I have not missed any payments since completion of my Chapter XXXX bankruptcy. I have paid these loans as directed both by the Federal Court and by Navient. I have on multiple occasions sought to resolve and correct this with Navient, but I have received no admission of error or assistance in resolving this dispute amicably. Today I was even advised by a Navient employee that it might be easier for me to just go back to my attorney and file proceedings in bankruptcy court to resolve this issue. This is actively impacting my credit score in a negative manner and is impeding my ability to put this unfortunate issue behind me. I do not see how it is my responsibility to take time away from my job, hire an attorney, and return to court when that is exactly what I did already with the original filing. I followed the terms of the repayment plan laid out in bankruptcy court, and did so faster than required. To me this amounts to continued punishment despite repayment of a debt, the very thing the bankruptcy court is supposed to let consumers avoid.
I have submitted numerous complaints about my accounts being inaccurate but they tell me they received accurate information that I'm responsible for these accounts but didn't furnish me with any documentation I'm responsible. I'm requesting all three bureaus show me proof of ownership to these accounts. Disputed these accounts last year of XX/XX/2018. These accounts are, XXXX  XXXX account # XXXX XXXX  & Equifax # XXXX XXXX   XXXX XXXX account # XXXX Equifax & XXXX & XXXX
A charge from XXXX XXXX was incorrectly billed to my account in the amount of {$160.00}. Several other charges came in the same day and TCF has their computer program work so that it processes charges from largest to smallest. This results in TCF being able to charge the most overdraft fees. This resulted in subsequent days items also creating overdrafts. See attachment.
I had received several calls multiple times per day about this account. I had adv the company multiple times this was not my debt and would like to dispute. I advised the company the address they have on file was not my valid address and I have never had there service. They told me I don't know why you are trying to run away from the debt they will set up a payment plan for me to pay or else will forever remain on my credit. 
I asked the company to provide me with the following to validate the debt : Please provide the following : Agreement with your clients that grants you the authority to collect on their alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor Any insurance claims made by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file for alleged debtor Alleged account number, Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting alleged debt. 
Commission for debt collector if collector if collection efforts are successful. 


On XX/XX/XXXX or XX/XX/XXXX I sent a certified letter to the company mailing address. They received and picked up the letter and signed for the letter on XX/XX/XXXX. I asked in the letter to validate the debt and asked for several pieces of information to be provided to me. They have yet to validate the debt and prove the debt is mines.
I opened a checking account with Bank of America. When opening the account, the associate entered all of my correct information from my driver 's license. A few days later, I received an email notification that my debit card was on its way, but it was being sent to an address where I have never lived and/or been associated. I contacted the bank to ask them why/how this happened. They initially insisted that I had been a victim of fraud, but after showing them I had not, they started investigating on their end. They admitted that everything was processed correctly, but can not understand how the wrong address was then attached to my name. They 're calling it a " system glitch. '' When I asked how I can be assured that it wo n't happen again, I was told that I need to carefully monitor my account myself because they ca n't promise me it wo n't happen again. 

I have since closed the account because all I get from them is head scratches and " I do n't know how this could have happened. '' It 's ridiculous and I do n't trust that my account would be safe with them, no matter how many " extra protections '' they have to put in place. 

They also reported this incorrect address to my credit bureaus but are doing nothing to correct the improper reporting. I am filing disputes with each bureau to have the incorrect information removed.
Medical bill received for {$1000.00} from XXXX Hospital on XXXX/XXXX/2015 for an XXXX XXXX visit on XXXX/XXXX/2015. XXXX paid in full on XXXX/XXXX/2015. Debt collecting agency Windham Professionals , Inc. contacted me on XXXX/XXXX/2015 to collect debt, despite that it was paid in full. Windham Professionals , Inc. claims that they have contacted the hospital to verify that I had paid the debt in full, but are claiming that it was n't. After contacting the Hospitals billing department, It was confirmed that my bill was paid in full with a balance of {$0.00} and that XXXX XXXX is NOT affiliated with Windham Professionals , Inc. Not only is there no debt that I owe, but they are trying to convince me I owe a {$710.00} debt. 

Attached are Bills from the hospital showing the true amount owed, listing of claims from my Health Insurance company ( XXXX ), proof of bank statement payment, bill from Windham Professionals , Inc.
I have gone back and forth with both XXXX and Equifax credit reporting agencies. I have disputed and disputed, and they remove some things and then reinsert them again, making my score go down by over XXXX points. I do n't know what to do as the debts they are talking about are in most cases over 7 years old, and in the State of Nevada, credit card debt is only collectible for4 years. They are ruining my credit, and I ca n't get another card to pay off a high interest card with a no interest card. The new ones in question are from long ago charged off credit cards from XXXX. I am attaching a letter sent to them to inform the credit card companies of the charged off nature of the XXXX accounts. They are from XX/XX/XXXX and XX/XX/XXXX.
To Whom It May Concern XXXX XXXXXXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX. XXXX  XXXX XXXX, GA XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXI HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Repeated phone calls from Asset Recovery Associates - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and specifically XXXX XXXX, about false bad credit card debt. Mr. XXXX states the debt is owed to XXXX or, alternately XXXX XXXX ( he changes the listed creditor so I'm unsure exactly who ) in the amount of {$2800.00} from 2005, though he will accept settlement for {$1000.00} less. I have no outstanding credit card debt and have verified via XXXX  credit report. I advised Mr. XXXX that I have no outstanding debt, and even if I had the statute of limitations for collections has long expired. XXXX XXXX has repeatedly threatened legal action. Mr , XXXX has also repeated my Social Security Number to me, giving cause for concern that he may have unauthorized access to and inappropriate use of my PII. I currently live in XXXX ( my husband works for the US military ) and have for 4 years.
According to the Fair Credit Reporting Act ( FCRA ) the public record ( Dismissed Chapter XXXX Bankruptcy ) was to have been removed from credit file XX/XX/XXXX. EQUIFAX is the only credit bureau who has not complied. Their action continues to have a negative impact on credit scores. 
I continue to dispute EQUIFAX Hard Inquiries. EQUIFAX continue to comment that these hard inquiries are factual records of file access and if I believed these records were unauthorized for me to contact the creditors. I have done this on several occasions. 
Credit files : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
CONVERGENT OUTSOURCING XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account CONVERGENT OUTSOURCING ACC XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
XXXX XXXX XXXX XXXX XXXX/XXXX/1972 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
I opened a CitiBank XXXX Savings account with {$25000.00} on XXXX/XXXX/XXXX with new money to Citi. I opened the account under a special offer, which states that I will receive a {$300.00} cash bonus as long as the money is deposited between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The deposit should also be maintained until XXXX/XXXX/XXXX. I met this requirement and kept the funds in the account until XXXX/XXXX/XXXX. After not receiving the funds, I opened a case with Citi on XXXX/XXXX/XXXX. The case number is XXXX. Since opening the case, I 've also spoken to several people who have been unable to help me. I 've spoken with XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, and XXXX XXXX XXXX ) on XXXX/XXXX/XXXX. I do have screen shots of the account opening disclosures indicating the bonus has been added to the account and the terms and conditions. I have received very poor service from Citi. They have been unwilling to help me. They have also suggest going into a branch, which is impossible since there are none located in Ohio. I would like my account credited the {$300.00} that 's due to me.
I recently filed a dispute with Equifax Information Services regarding a late payment being reported by XXXX XXXX XXXX for a personal account with a delinquency date first reported on XXXX and then again on XXXX. I advised Equifax that the information was incorrect due to the fact that during those times I was under federal bankruptcy protection and provided a copy of my bankruptcy XXXX paperwork which provided the start dates of XXXX - XXXX for bankruptcy protection. I then advised that under federal law they are unable to report any or update any negative or positive information on my credit file while I was under bankruptcy protection. Despite having the required documentation Equifax determined that XXXX XXXX XXXX was correct in placing this illegal negative report on my credit file, despite me being under bankruptcy protection.
Midland Funding is reported on XXXX  and XXXX credit companies as a debt of {$1600.00} I do not owe. I have sent numerous letters via certifed mail requesting proof of my signature as well as who signed a contract for this debt. However, Midland Funding continues to fail to respond with proof.
Having been trying to get PMI - Private Mortgage Insurance removed from our mortgage. Due to a cumbersome bank process, changing their criteria, and intimidation from PNC ( letter attached ), we felt we needed to contact someone to make sure this process is compliant with current regulations.
BB and T returned a {$400.00} check presented on a day a monthly electronic deposit of {$500.00} went into my account. My bank statement does not identify the returned item and states " XXXX items '' were returned. They provided no explanation for the return and charge my account a {$36.00} fee. Sent the bank an internal inquiry and they did not respond.
Irs public Lein removed off XXXX but not off Eqifax n a car loan paid and closed in XX/XX/XXXX Also XX/XX/XXXX a {$3700.00} bill not mine handled in divorce XX/XX/XXXX
Currently, I am being sued for XXXX dollars which have now gone up to XXXX. Sunshine state credit has pulled credit report that shows the right information twice and sent lawyer wrong addresses to be served. 

I feel I should not have to pay the remainder of the loan because I have never completed my service. I am still trying to get my XXXX completed and now I have to pay for my account twice. XXXX XXXX XXXX, the company that the loan was given to, sold the company without leaving a balance. I have asked their attorney in XX/XX/XXXX2018 when I was first contacted and XX/XX/XXXX2018. I've attempted to email the lawyer as well on XX/XX/XXXX asking for the client to work with me. 

The problem is that the attorney has my bank account and my son 's bank account frozen. Florida law states garnishments can be no more than 30 % of income. I had asked the lawyer to remove the garnishment on my bank account and he refused. I have a child to take care of.
RECURRING INFORMATION, Proof that XXXX XXXX XXXX  violated and reneged on an agreed Payment Plan. Attached you will find a letter sent to XXXX XXXX, CEO, XXXX XXXX XXXX Corporate Office on XX/XX/2017. The letter clearly spells out that the agreed upon Payment Plan is for {$81.00} to be withdrawn from my checking account each month. I now provide proof, back-up and support that {$81.00} was withdrawn from my checking account with XXXXXXXX XXXX on XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. The bank statements show and explains the withdrawals. Following the last withdrawal of XX/XX/2017 the withdrawals stopped without notice or written confirmation to me. The account was them placed on credit bureaus ( XXXX, Transunion and XXXX ) that I had defaulted and then charged off. Transunion, XXXX and XXXX did not investigate and discarded my complaint to the benefit of XXXX XXXX XXXX becoming co-defendants. I have now received a collection notice from the XXXX XXXX XXXX XXXX XXXX : XXXX. It is my belief that XXXX XXXX will be somewhat displeased that individuals within their organization would purposeless damage and harm the financial well being of an unsuspecting consumer. I believe that my experience with the credit bureaus will get national attention and rightfully so!
This is a complaint, I have had multiple phone conversations with customer service on the following issues and nothing has been resolved, they are as follows : Citi refuses to update my address, they are sending documents to a PO Box that I no longer have access to, and I have called and written in about this issue for over 4 years. 
For the last 4 months, Citi has made errors on my payment, they are debited from account that does n't belong to me, and they are giving me a confirmation # on the transaction and then reversing out the transaction without telling me. I can not get a straight answer from Citi on why this is happening. 
Because of this you are ruining my credit, I want the credit agencies notified by Citi that an error was made on Citi 's end and my score adjusted. 
I have been given multiple payment notices that are incorrect ( see attachment of 1 example ), they ca n't tell me why this is happening. 
I am speaking with the CitiMortgage Executive Office, they are not on the same system of Citi 's Customer Service Group, I am receiving conflicting information from both groups, my issue is still not resolved and we are going on month 4.