WillisBack/dataset-financial-user-claim huggingface dataset:
I have a mortgage that was being reported to all  3  credit bureaus for since its opening in   XXXX   XXXX    , suddenly my positive mortgage payments now stated mortgage paid and account closed which caused a significant drop in my score. However my mortgage was not paid off and I am still paying my mortgage but nothing is reflecting on my Equifax credit report but is showing up on   XXXX   and  XXXX  I  have contacted my mortgage company and Equifax numerous time and my mortgage company assures me they are reporting correctly and even provided a certified letter as proof and for me to submit to Equifax. However equifax is saying that since they do not see the account then there is nothing to dispute and everytime I call they are not understanding that I am asking them to update and add my account back as my mortgage company   XXXX   XXXX   is even asking them to do. I have a valid, pays as agreed account that the mortgage company says should be reported to Equifax as it being done with the other  two  bureaus and Equifax is refusing to do so, even with calls from my mortgage company and submitted written documentation. No one ever authorized any change or submitted any proof of payoff. When I talked with an Equfax rep they said it was updated to that and then removed because a dispute was not responded too, however my dispute was only regarding the balance because my account wasnt updating to show monthly payments and was always months behind. I can not get any assistance and not only did this make my score drop by almost  40  points when it was removed, the positive payment history is not there to even improve my credit rating. I need help badly with getting Equifax to understand.
I own a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( state of MA ) and the credit reporting bureaus XXXX  XXXX XXXX Experian are reporting my business as being under a parent company XXXX XXXX XXXX XXXX ( state of MA ) which is a totally separate business and entity - I cant set up accounts under my own company due to another company being listed as the parent company. I have a copy of XXXX credit report showing this.
First, I do not owe the debt. It has been settled in small claims court, in my favor, against the original creditor. I owe nothing. The credit reporting agency is reporting inaccurate information. Second, I have tried to work with Experian since  XXXX / XXXX /   17 to  get the item removed from my credit report. Since  XXXX ,  2017, Expe rian keeps updating and verifying the debt despite having a signed judgment from the court of law that I do not owe the debt. On  XXXX / XXXX /   17, I  initiated another dispute, and I sent documentation of the judgment. It was uploaded via Experian 's system.  <P/> Restart #  1  I contacted Experian on  XXXX / XXXX /   17  to make sure that they received the documentation. The representative canceled my original dispute and initiated a new dispute and restarted the 30 days in order to attach the documentation. I did not agree to a restart. Representative said that Experian has the documentation.  <P/> Restart #  2  I contacted Experian again a few days later. Again, the representative said that they did not have the documentation attached. The representative cancelled the  2nd  dispute and entered a new dispute, restarting the 30 day clock. The rep said that the second representative failed to attach the paperwork.  <P/> Restart #  3 I c ontacted them again on  XXXX / XXXX /   17 - thir d representative failed to attached the paperwork and Experian again restarted the dispute to attach documentation.  <P/> Restart #  4  I called again on  XXXX / XXXX /   17 -  fourth representative initiated a complaint against the second and third representative for failing to attach the documentation to the dispute. The representative reattached the paperwork, entered a new dispute, and restarted the 30 day time clock.  <P/> Today I contacted Experian 's " Special Services '' department to speak with a supervisor about the issue. The supervisor refused to fix the issue. Supervisor "  XXXX  '' kept telling me that they would not honor my original dispute and paperwork indicating that I do not owe this debt. Instead, he verified that the multiple redisputes was Experian trying to correct multiple documentation errors. He verified that multiple complaints have been placed by representatives for causing errors with my original dispute. Yet he did nothing to remedy the situation except insist that I wait another 30 days after they corrected their own errors.  <P/> I have given Experian since  XXXX  to correct the inaccuracy on my credit report. Each time, the representatives make mistakes attaching my file, and as a consumer, I have to keep restarting the 30 day time clock for their error. From my initial dispute, it has been well over 30 days for Experian to correct this error. Experian knows that the reporting is inaccurate, but has yet to correct this.  <P/> I have been denied credit twice specifically because of this error - through a mortgage company and with a federal student loan. Because Experian is knowingly reporting inaccurate accounts on my credit, it violates FCRA a nd FACTA and Dodd-Frank Act.
Experian reporting of XXXX XXXX reflects a foreflosure. this was a short sale of the property done on XX/XX/2013. this is not reported accurately
I have received several phone calls from a company called Creedence Resource Management. They claim to be calling regarding a personal business matter. They have alleged that I owe money to a XXXX XXXX, I have never done business with this bank. another call claimed a debt with ATT. I have never owed monies to either. They sound like they are calling from a boiler room. Research via the internet shows that this is a scam company that goes after you for fraudulent debt. They misidentify their telephone number so it looks like a bank is calling and call from a local number.
XXXX/XXXX/17 A female operator contacted me from Dynamic Recovery claiming I owed a debt of {$690.00}. She asked for my social security number, which I would not give her. She then went on to explain about the debt and what company it was from. I told her I did n't have the funds at the moment and she went on about paying it off in the future. So when I told her I need to confer with my partner, she got belligerent and loud on the phone being disrespectful. Even though she said " with all due respect '', she was raising her voice with me about paying the debt and would not listen to what I had to say.
I regularly check my credit report, and more so when I have been denied or granted credit. I noticed several new inquiries on my report. Because they assertedly do not " dispute '' inquiries on consumer behalf, I was directed by the Credit Reporting Agencies to contact each company directly to dispute the inquiries and request deletion. I sent a letter of dispute and demand to delete the inquiry to Nicholas Financial , Inc. using the address for them that appears on my credit report.
I keep getting these phone calls of a payday loan i supposedly got many years ago. at first last year in 2015 i recieved XXXX and paid it because i know back in the time it was supposedly done i did do a few payday loans and might have forgotten XXXX and so i paid it to the collection agensy now in last couple of days i am recieving phone calls daily from XXXX using phone numbersXXXX and XXXX trying to make the same claim as last year which i paid ( now i 'm thinking i have been scammed ). either way they threatn with legal action and court for something that i paid for last year.
Equifax mishandled my personal information including Name, Social Security number
, Address, Date of Birth and others resulting in a data breach in 2017. Equifax has put myself and millions of others at risk of identity theft and fraud due to negligent security protocols in handling consumer information. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical
behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this breach.
Veros Credit collections called me looking for my son. The agent misrepresented herself as law enforcement, said they were " investigating my son '' and that I " could be an accomplice ''. She refused to identify either herself or her company, and she provided information about my son 's debt without verifying whether I had any sort of permission to have access to personal financial information.
Home equity line of credit with TD bank shows payments has not been posted since XX/XX/2017.

I signed up for auto payment through my checking account and it was never applied.
I am trying to rent an apartment and the renter ran a credit report on me through Transunion and was unable to get any information. I also tried getting my free annual credit report though Transunion and XXXX and both would not give me any information. I was able to get my report using XXXX though.
I received monies from these companies, paid them in full I thought ...!! They continued to withdraw money from my bank account even after I ordered them to stop. They caused me great hardship. I paid them off early trying to avoid the high interest rate. So the unauthorized withdrawals by the payday loan companies continue until I was force to close my account. Because of this I had to actually get a XXXX debit card for my direct deposits of my bi- weekly pay. It wasnt until I tried to get a financing for a home did I see the fraudulent entries on my Credit File. As the CFPB has successfully sued XXXX XXXX XXXX ... I am involved in that settlement ... I have asked for monies Owed and now a complete DELETION OF ALL THREE TRIBAL LENDERS OFF MY CREDIT FILE .... MOBILOANS ... XXXX XXXX LENDING AND XXXX  XXXX ( after the court case ... they did mark my credit file as PAID IN FULL. Please delete these 3 fraudulent entries on my credit file.
This is not a ligament claim for a wellness.program as they are claiming. That was paid in full they took all payment on my credit card which they had on file with my permission to do only, but a bill for vet. services that resulted in a loss of a pet during XXXX due to over satiation thus XXXX procedure. What they are trying to collect now is the main vet. bill. 
Procedure took place in XXXX 2014 and is just now being addressed on my credit as outstanding debt/collection not valid collection. 
This matter needs further investigating. 
Please advise a.s.a.p. as to what is being done. 
I have already put in a dispute and have not heard anything as of yet on this matter. 

Sincerely, XXXX XXXX XXXX
I was in a XXXX accident in 2011 i was not able to attend the XXXX semester at my college. The school is trying to charge me {$22.00}, XXXX for the semester. I submitted all documents needed to support my claim. School denied medical necessity although they had a dr XXXX not stating the reasons i was unable to attend
Update to Case number :  XXXX   Citibank  did not close my account when I requested it in writing and has reported false information that I am disputing my balance. I have attached all my communication with  XXXX   XXXX   XXXX  that was not sent to you since her letter dated  XXXX . It was convenient and shady that all this communication occurred after the case was closed. I do NOT want to deal with  XXXX   XXXX  again. Her involvement was a waste of my time and did not resolve my formal grievance.
I have experienced an issue with Exeter Finance. I was previously in a loan agreement with Exeter finance and I have since went with another lender after getting a better rate. with that siad, while in the loan agreement with Exeter, it was notated that I was late for payments on my account and also they have notated that the account is closed and in a current status of behind XXXX 90 days which is also inaccurate. In addition to the inaccurate information being provided by to the credit bureaus ( and the bureaus not verifying the information correctly ). After researching the company, they have violated the XXXXFDCPA and still reports to XXXX and XXXX. As a result I have suffered damages from their negligence and predatory credit reporting activities. Exeter is not lawfully compliant with to do business within the state of TEXAS and is not BONDED by and authorized bonding company. In addition to the items noted above, since they are not state compliant and I am not sure how to access their bond information. I would like to request that their tax returns be placed in discovery to see if they are also out of compliance as it related to the IRS. I know that I was not the only customer they had so they are also violating other consumer rights as well.
I am writing in hopes of assistance with an issue with transunion credit reporting agency. I have been disputing wrong information that is reporting on my credit report and getting no where with this credit reporting agency. My first complaint is transunion will not remove a loan that is reporting with XXXX that I do not owe. It is showing a balance of {$860.00} it is showing open/collection/charge off. I received a letter last week telling me that they will not re-investigate this anymore for me. This is a violation of my rights that they are reporting inaccurate information which is affecting my credit. My next complaint is I have been disputing XXXX in the amount of {$4800.00} which again I do not owe. This was paid in full when I turned in my lease. It is reporting my new lease payment which is correct but then showing a monthly payment of {$4800.00}. Common sense shows that a auto payment can not be {$4800.00} per month. I have disputed this with transunion and they keep responding it has been verified. I also contacted XXXX and was told that I have a XXXX balance as my old loan was paid off in full with no late payments. Another complaint I have is my XXXX account which is also paid off to a XXXX balance is still reporting a balance of {$120.00}. I contacted XXXX and was told they have contacted the credit reporting agency and verified that I have a XXXX balance on my account. Transunion responds the balance of XXXX is correct. This shows me that they are not doing a valid investigation. My credit score is low due to wrong information that transunion is refusing to correct. I am about to obtain legal advise as I have been dealing with this for months now trying to correct my report. Transunion also agreed to remove some of the XXXX remarks they are reporting which again is affecting my credit score. To date they still did not remove any remarks. I questioned why they keep reporting negative remarks on accounts that are current ... .paid ... .or closed? ... ... I am very fustrated as they are affecting me in obtaining substantial credit when they refuse to fix my report. I also have been disputing in public records XXXX tax liens that are paid in full. In essence there was only XXXX tax lien ... .not XXXX ... ..and it was to be removed from public records. XXXX and XXXX has removed them as it was deemed to do so but transunion just keeps telling me it 's been verified. Yes I had XXXX tax lien that is paid in full but it is suppose to be removed from my credit report. Transunion is a horrible credit reporting agency and they have no right to report wrong information about my credit worthiness.
I recently modified my mortgage. All payments have been paid on time. Selene finance is holding XX/XX/XXXX and XX/XX/XXXX payments in a suspense account and will not apply them to the mortgage. This is now showing as being two months past due and Im receiving calls and letters. The mortgage is not past due. Ive called many times and been told it would be corrected in 24-48 hours. Never happened. Ive also been told there is nothing we can do about it. Customer service is quite rude and changes their version of events every time you speak with them. My account is not past due, Ive paid every month on time yet they are refusing to apply the payment for no valid reason. Its as if they are trying to force me back into default when I am not.
Refinanced my Mortgage with Reliance Capital out of XXXX NC. From the start of the process they have told me that there would be no points or origination fee since I refinanced my last mortgage with them. When I received my first settlement statement it had {$3700.00} in points and origination fees. When I brought it to their attention the mortgage broker promised me that this would be taken off when it went through underwriting. He said the computer automatically generates it on the paliminary statements. I asked that he send that to me in writing, which I have in an email from him. Closing kept getting delayed by a month because i was told that the underwriter was dragging their feet. Closing was scheduled at my office to sign all papers which were not made available to me until the night before the closing. I immediately contact the broker in writing asking why the fees were still listed and should we postpone the closing until they get it fix. He assured me the monies all would be wired to my account. I have all of the emails attached from him assuring me. At the closing the fees were still on the settlement statement so I refused to sign it and called the mortgage broker. He said it was a mistake and to continue withe the closing and that he would send a new settlement statement that afternoon and that the additional monies would be wired in my account the following day. I received no new settlement statement or monies that week and made several calls and sent emails asking where it was. I received a call back from the broker in response to me calls and email promising me that the monies would be wired and that they were waiting on their office in another state to redo the settlement statement. It 's now a month later and I have received nothing and they wo n't return my emails or calls. I even sent an email to his boss that reached out to me in the beginning states of the loan saying if I had any concerns of problems that I should contact her and she would resolve them. She has not responded to this date. I have attached all of the emails concerning this and the settlement statement I would n't sign.
I paid my Kohl 's credit card about 3 or 4 days late ( not 30 days late ). They charged me a {$25.00} late fee last month for the late payment in violation of the consumer credit card reform act
XX/XX/18 NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction. {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} XX/XX/18 NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} I filed a dispute with Chase. I was told that it was denied because I still had my card in my possession and that the chip could not be copied. Within a few minutes of research I found that the chip could be copied and banks want to try to blame you for fraud first. I asked what documents could I provide to prove that it was not me. They said nothing. Its nothing that they could do and not even a police report would help. The first representative that I spoke with said that all someone needed was my account information to take my money. This is not right!
On XXXX/XXXX/2015, I received a letter from XXXX XXXX Bank XXXX Paypal. They state that the letter is in response to a request to open a PayPal Credit account, and that their records show that I requested to open an account or to make a purchase using the PayPal credit payment method on XXXX/XXXX/2015. 
They say they can not approve me for the following reason : My credit bureau indicates a freeze on inquiries. 
First of all, I opened a PayPal Credit account well over a year ago. It has a $ XXXX line of credit, and their system states that I have about {$1700.00} available credit. So they are obviously not turning down the line of credit. Second of all, I never attempted to make a purchase via PayPal Credit on XXXX/XXXX/2015 or even used a credit card through their system on that date. Moreover, I have had a freeze on my credit bureau for close to XXXX months now, have made prior purchases on the PayPal credit system without them pulling a new credit bureau, so even if I had attempted to make a purchase through PayPal, I have no idea what they are talking about or why they sent me this letter.
When i first established this loan, i requested to have it taken from a certain bank account and was denied. So, when the payment was returned on XXXX XXXX 2015, from a hardly used bank account, i called and was finally given permission to change the bank account on my loan. The lender charged me the {$15.00} NSF and withdrew the loan amount from the correct bank account on XXXX XXXX, 2015. I made my regular loan pymt on XXXX XXXX, 2015. Because the lender does not issues statements nor send out email statements, I had to go to the website to see what my balance was. Their website does not display the balance either. There is no way you can find out the balance on your account unless you call the lender. While looking at the breakdown of my last XXXX payments, I saw that they lender had taken the entire {$380.00}, totaling {$770.00}, and applied it straight towards the principal. When i contacted to lender to ask them why, I was told that, because my payment was returned in XXXX, I had to " catch up '' on the interest for that month and basically pay the interest in advance for XXXX as well. I explained to the rep that there was no " catch up '' interest clause in my contract being that I had made the payment in XXXX as I was suppose to and that I did not see what XXXX had to do with XXXX. I then requested to have monthly statements either mailed or emailed to me so that I could have a record of both my payments and my balance because it did not seem to be moving. The rep informed me that the company does not give statements. I asked her how could a consumer keep track of their balance/payments if nothing was offered to show them what was going on with their account? She sent me a break down of my last payment. That was it.
I have tried for over 5 years to have  XXXX  bankruptcys removed from my credit that do n't belong to me   XXXX    and   XXXX   took care of right away transunio n still nothing I evem went as far to sending them the cover page showing it was n't me that I got from court ho use. The funny thing is they removed that name several years ago from my bureau because it was n't me ..My name is  XXXX   XXXX  Not  XXXX   XXXX   wrong last n ame wrong first name Please Help  XXXX
Ocwen continued to report on my credit after they were paid and after the foreclosure. Everything was complete on title and all the documentation shows 2015 and they continued to report after that.
I purchased office furniture and they never sent me a bill but then reported me late to the credit bureaus. We knew a payment would be due, we just did n't know when and they never sent us a bill. By the time we got it straightened out we had a late payment on our credit reports.
Both my wife and I have a credit card with Bank of America. I logged in to pay today and noticed that both of our accounts show a different minimum payment due on the main account summary page than when I go to the make my payment screen. I have an example as well I can supply. Neither account was past due so no reason why my minimum payment should be different.