WillisBack/dataset-financial-user-claim huggingface dataset:
I fell behind on mortgage. I called US Bank to work out, they told me to send XXXX and I would pay a little additional each payment. Sent that amount, they returned payment to me claiming they received it late and it was not certified. I called them, they told me me I could do again but needed to pay more {$4100.00} certified, told them I would send when I got paid on XXXX XXXX, overnighted to them. It was a weekend so they received on the XXXX. Was told - sorry you needed to have it here by the XXXX - we sent to foreclosure. Now they say in order to reinstate need {$9600.00} only.
I filed a complaint against Ocwen XXXX weeks ago in response to the XXXX dispute. 
Complaint # XXXX. Ocwen has continued to ignore my request to remove inaccurate late reporting on acct. # XXXX
I have a report on my credit report that I am XXXX days late on my XXXX account. I am NOT late and I have a letter stating this. I dont know where you are getting your info. But this needs to get taken off my credit report. Its damaging my credit and my husbands.They said they DID NOT report this.
to whom it may concern on the XX/XX/2015 i sent XXXX dollars cash through money gram at a Wal-mart store XXXX ca, XXXX and to come to find out that my money never got to the person I sent it to and i have kept in contact with Moneygram and I was told that it would take 10 days and then they told me 15 days and now the 15 days are up and now they are saying to wait another 15 days and I don't know what to do. please help.
Good morning, I have attempted to close all my TD credit cards ( XXXX, and XXXX ) but the agents have been unable to assist. I initially had requested deferment as my children were needing my assistance financially. That was not the case, I am requesting " all '' my credit cards to be closed effective immediately. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.
I have disputed this issue numerous times about XXXX account from 2009 and that it states charge off and does not show the amount charged off and creditors think this is a repossession of a vehicle and its not. I called XXXX XXXX XXXX and they said that it is the credit bureau they use same code name for repossessions even though its not. I think this needs to be corrected because I have been denied credit numerous times because dealerships think it is a repo on my credit report. This is unfair practice of credit reporting and will result in legal action if not corrected.
I have exhausted myself at all levels trying to get an inaccurate collections off my credit that is causing me denials for loans. To start, I have only 2 open student loans with, XXXX XXXX. However, I have to complaints that needs to be addressed ; First, XXXX which does not have possession of my loan is still being reported in a derogatory manner and the same loan is now with XXXX too. Creditors are seeing a total of 4 loans when there is only 2 because they have different account numbers. 
I request that XXXX remove the negative information thats being reported because again my loans are with XXXX and in good standings and not due until XXXX 2018. 

Second issue is that XXXX XXXX have a status on my report that says, Student loan assigned to government which my lenders views as a negative situation where as Im in financial  trouble with the government and this is so misleading. I want that comment removed and my account showing current as it should.
Chase Bank stopped sending mail without authorization. No bills have been sent to me. No option for paper bills are available according to the chase representative. In turn, a payment that did not go through was missed. Chase claims to have sent an email to email on file. However, it was not received. No call was made, no attempt to collect payment. Additionally online account has had significant changes and issues the previous months. 
In short, even though the payment was made, the late charges where reversed by chase and admitting that there was an issue from their part. The credit report still reflects negative. Account shows the reversed late fee 's.
I HAVE SENT A DISPUTE TO THE COMPANY REQUESTING VALID INFORMATION REGARDING THE AVERRED ACCOUNT. I DID NOT RECEIVE A RESPONSE WITHIN 30 DAY, HOWEVER IT WAS 86 DAYS BEFORE I GOT A RESPONSE. THEN THE INFORMATION THEY HAVE, IS NOT ME, NOT EVEN MY NAME. ALSO THE INFORMATION THEY PROVIDED ME WITH WAS FROM A BILL DATE OF THE SAME MONTH AND YEAR, WHEN MY CREDIT REPORT SHOWS 2 YEARS PRIOR. IT WAS LIKE THEY JUST THREW TOGETHER A ITEMIZED STATEMENT.
I recently reviewed my credit report and saw that an account was sent to collections from Williams & Fudge Inc. The original amount for the reported debt was {$610.00} and now reporting  {$950.00}. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay.
Re : XXXX XXXX XXXX ( {$200.00} ) & XXXX XXXX ( {$59.00} ) SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against TransUnion about my Credit Report. I have no affiliation with XXXX XXXX XXXX and XXXX XXXX. On or about XXXX XXXX, 2016, Your company states I owe : {$200.00} AND on XX/XX/2016 I owe : {$59.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visirted this place or do n't even know here this place is located. 
I would urge you to have all of themse items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.
I received a letter from Equifax stating that my information was accessed in the Equifax Breach. I have 3 inquiries on my credit report with Equifax that I didn't authorize. They are the following : XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX and XX/XX/XXXX ).
XXXX HAS MERGED MY CREDIT REPORT WITH ANOTHER SOCIAL SECURITY NUMBER THAT IS NOT MINE I LEARNED OF THIS WHEN MY CREDIT WAS PULLED BY A MORTGAGE LENDER I HAVE CONTACTED XXXX  AND THEY DENY THIS BUT I HAVE THE REPORT THAT SHOWS. THEY WONT DO ANYTHING ABOUT IT AND ITS HURTING MY CREDIT STANDING AND SCORE. MIDWEST RECOVERY HAS ASKED FOR XXXX  TO REMOVE THE COLLECTION THE ONLY COLLECTION ACTUALLY REFLECTING UNDER MY SOCIAL ON MY REPORT FROM IT BECAUSE IT WAS A FRAUD ACCOUNT AND THEY HAVE FAILED TO DO SO.MIDWEST RECOVERY REQUESTED THE REMOVAL IN JXX/XX/2018.  THEY SENT A SECOND REMOVAL REQUEST THEY HAVE STILL FAILED TO REMOVE IT. 

I HAVE ALSO DISPUTED A AUTO ACCOUNT THATS REPORTING INACCURATE INFORMATION ON ALL THE BUREA XXXX XXXX XXXX XXXX   HAS NOT REMOVED THE ACCOUNT FROM MY REPORT.
This is getting ridiculous. Experian sent a correspondence claiming to have concluded the investigation for my dispute against the said debt purported by XXXX XXXX as valid. I have submitted copies of all my letters to XXXX initiating billing disputes. XXXX XXXX has violated the Fair Credit Billing Act. At best, this matter boils down to a billing dispute initiated by me before voluntarily canceling my service. XXXX has yet to acknowledge my billing dispute and just keeps sending me unaltered copies of the final bill. It 's like I 'm " talking to a brick wall. '' This is willful ignorance. I use plain, straightforward language in my correspondence, and I 've submitted it to XXXX Experian. XXXX XXXX has unlawfully reported this account intending to affect my credit rating and willfully reported me as delinquent. This is grossly inaccurate. I have submitted a request for full disclosure of the investigative process carried out by Experian to verify said debt, and sent a copy of the letter to XXXX XXXX corporate headquarters in New Jersey. I have filed an FTC complaint against XXXX XXXX. 
XXXX XXXX has committed several violations of the FCBA and FCRA, including but not limited to, threatening my credit rating, reporting me as delinquent, willfully failing to acknowledge my billing dispute, failing to apply/post credits, charges for goods and services you did n't accept or that were n't delivered as agreed, and unauthorized charges for data when I only agreed to start service under the promise of an unlimited data flat rate plan for XXXX phone line. Experian has equally violated laws protecting against that to which I 've been subjected because they have failed to decide this matter according to law. My documents clearly show that I have initiated my billing disputes timely and properly. The mere submission of a bill statement from XXXX is legally insufficient as peremptory evidence that the XXXX account balance is accurate. That just gross bias. My documentation is not being taken seriously. My complaints are not being taken seriously and meanwhile XXXX XXXX is still wrongfully report me as delinquent and has never even so much as acknowledged my billing dispute.
on XX/XX/2018 i deposited roughly XXXX into an atm on XXXX XXXX XXXX, XXXX, NY XXXX the machine gave back about XXXX then told me to take my card. i then deposited XXXX into the next atm but it didnt show an initial deposit. i talked to the bank and they are saying its going to take 10-45 business days to get my money back. that is too long. I need the funds today this is not fair to me.
XXXX, Equifax and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX.

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve.

Waiting for your reply.

XXXX XXXX XXXX
American express decided to close my account without speaking with me in regards to a resolution ... ..I spoke with a representative XX/XX/XXXX-XX/XX/XXXX week about payment arrangements .... Which I have two credit cards green card balance off {$960.00} ( which {$400.00} was being paid, the following two weeks would be an additional {$100.00} ), my other card which was {$350.00} ( with {$35.00} due which was paid that day ) ... .. I received an email that my account is canceled. Called to follow up the young lady XXXX who does not work in headquarters she is currently located in XXXX -states the credit bureau made the decision. Then corrected herself by saying you missed payments .... Which I then explained I have had an issue with the green card because I was misinformed, I was unable to pay total balance, but I am making payments!! I asked for her title to ensure she was a supervisor, which she is not! I also would like to speak with headquarters for action but unable to. I explained that American express is breaking the law, we are currently in different countries, I have not received a far chance to correct my balance!! I still have a payment agreement set up!!
On or around XX/XX/XXXX I found out Bank of America closed my credit card account due to a Bankruptcy filing. Upon investigating this, I found out that someone named " XXXX XXXX XXXX '' that lives in Texas and shares the same last four numbers of my SSN filed for bankruptcy and Bank of America confused me with him and closed my account. After Bank of America investigated on their own, they confirmed that it was not me that filed for bankruptcy and reinstated my account. Before reinstating my account they pulled my credit score with the promise that they would remove it from the credit bureaus as this was not my mistake ( it was never removed, see attachment ). 

After my account was reopened I noticed that I could not log in to my online account with Bank of America. Due to life circumstances, I was unable to call them to try and get this fixed until I called on XX/XX/XXXX. I eventually ended up getting transferred to XXXX at ( XXXX ), he advised me that he would look into this and would call me back.On XX/XX/XXXX I get a call from XXXX and he advises that since the account has been inactive, that I should make a purchase and then try logging in again as the purchase might be able to re-enable my online account. I made a purchase the same day and called him back to let him know that I was still unable to access my account and he then advised me to wait until the charge was posted and try again. Then on XX/XX/XXXX I get a call from him to let me know that my account was now closed due to inactivity and that he was unable to help me out any further. 

On XX/XX/XXXX I received notifications from credit monitoring that Bank of America reported my account closed due to Bankruptcy again and my credit score dropped 93 points from XXXX to XXXX due to this. I called XXXX back and ended up getting a call from his co-worker due to XXXX being off and they gave me the number for the Bankruptcy Unit and transferred me over. I spoke to the Bankruptcy Unit same day ( XX/XX/XXXX ) and they advised me that they would have to investigate this again, but that I would not get a call back from them and that I should follow up in a few days. I also advised them that I have a letter from the other person 's lawyer that I got last year stating that the bankruptcy does not belong to me and they asked me to fax it ( see attachment ).
I was forced to move out of an apartment complex due to repeated issues of non compliance by the management and owner of the building - including but not limited to mold, unlawfully towing personal vehicles, and not abiding by their terms of the lease to provide an adequate place to live. I notified the owner in writing that I would not pay one month 's rent for the partial last month I resided there - due to them breaking the lease, and the need for me to obtain proper housing for my family. I did have a deposit on this unit, and did forfeit that deposit upon move out. A collection agency ( FAIR COLLECTIONS AND OUT XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ) has contacted me and is reporting against my credit for a balance due that I do not owe. I have contacted my local and state representatives for assistance, and filed a dispute to this collection agency, however to date they are still negatively and inaccurately reporting and collecting against me.
XXXX mortgage, XXXX home Equity Line of Credit. In XXXX XXXX, I filed for divorce from my husband. In XXXX XXXX a stipulation was initiated in XXXX Co Family Court that gave my husband " sole use '' of our home. I moved to a different location with my children. He has been living in the home since that time. At his request in XXXX XXXX, I quitclaim deeded the house to him, and it was registered in XXXX Co XXXX Court. This was in an attempt for him to try and refinance the property. I have not been employed continuously for many years, thus the financial responsibility has been his. Recently he also filed for Chapter XXXX Bankruptcy to which creditors XXXX XXXX and XXXX are listed. This was finalized and payments are being made by him at 100 % payback. I am requesting that these debts be modified in the 3 major credit bureau databases to reflect that I am not liable for the debts. At this time, the information on my credit reports indicate a very poor score and is affecting my ability to obtain a XXXX XXXX loan to complete my XXXX XXXX XXXX.
There is an account for XXXX DVD that has been sent to collections. This account is not mine as I have never ordered anything from them.
On XX/XX/XXXX, I contacted Navy Federal Credit Union to inquire about my payment due in the amount of {$750.00}. I was informed that I missed a payment, but as I was reviewing my XXXX payments online, I noticed that I didn't missed a payment. That, I had changed the dates to reflect the end of the month with the Collection Department, and they must have failed to inform the XXXX Department. I recently changed my payments at the end of the month instead of the first of the month because I received my direct deposits through Social Security which I received 4th Wednesday of the month. Again, I had arranged this payment with Collection Department. Unfortunately, the collection department may have not been communicating with the XXXX department about date changes. On XX/XX/XXXX, I made my credit card payments with Navy Federal Credit Union instead of XX/XX/XXXX ; due to my social security direct deposit. Navy Federal Credit Union XXXX department informed me that I missed a payment. I then requested to speak to a supervisor. XXXX, XXXX supervisor informed me that I should look at my transaction online. I requested for an investigation and an audit, but she said to look online instead. She was not a nice person and didn't cooperate with me based upon my request to have my payments investigated and audited. She was arguing with me on the phone, and I informed her that she should listen to the service member in order to satisfy our needs. I also informed her that when a payment is not met on a timely manner they will sent the late payments to collection department. That, I have to explain the reason for my late payments and wait till I received my direct deposit since I am a XXXX veteran and retired. On XX/XX/XXXX, I applied for the XXXX credit card, and was telephonically informed that the interest percentage rates was 3 % which is the reason for applying for the XXXX XXXX  credit card. Unfortunately, during the period I had applied the interest rate was 15.15 %. Currently, the interest rate is 16.4 %. During the government furlough, XX/XX/XXXX, I requested to lower my monthly payments. XXXX XXXX, personal management counselor assisted me, and she informed me to close my XXXX account in order to make the lower monthly payments. Apparently, she failed to inform me that closing the XXXX account could affect my credit scores. Again, after my retirement from federal civil service, I requested for a lower monthly payment, and once again the payments were lowered in order to meet my financial hardships. I believe that Navy Federal Credit Union has been unsatisfactory with their services, and I decided to close my accounts with the institution. Thus, I have had problems in the past with Navy Federal Credit Union due to their services and products. XXXX XXXX has been charging late interest fees in the amount of {$20.00} because of not making payments in a timely manner. Although, I had ask to change the dates. They are making money by charging me.
There is a {$620.00} collection on my credit report for  XXXX  and I have never had  XXXX  I have never been inside of a  XXXX  store or had anything from  XXXX  but somehow now they are saying that I owe them {$620.00} and it 's a major hit on my credit report and it is n't me how can someone start an account without verifying my ID and verifying who I am
Extreme high interest and if I did n't accept the vehicle they were willing to finance they were not allowing me to finance any other vehicle at an affordable price. Now I am stuck with a brand new vehicle I honestly can not afford but desperately needed through a 6 year high interest contract.
I was paying Gordon & Wong a monthly payment of {$50.00} and sent to their address on XXXX XXXX. in XXXX the payment was returned. I tried to submit payment again in XXXX, and XXXX with the same result. I also called the business on XX/XX/XXXX and XX/XX/XXXX, but was unable to leave a message. 

Fast forward to XX/XX/XXXX when I received a 5 day notice to pay a past due amount of {$350.00}. I had never received any written, verbal, or electronic notice from them, despite the fact that I was told they had sent notice of their new address in XXXX and XXXX. 

I couldn't send a payment if I didn't know where to send it. I should not be held responsible for past due, or in the very least, be given some leeway on the past due amount, since I never received any written notice on their change of address, though they insist that they sent it. This is not the first time this has happened with this company, as I had initially found out they had taken over my debt by receiving a wage garnishment notice.
Hi - my family has XXXX prepaid debit cards issued by Citi Prepaid. They were misplaced and we recently found them again. They have never been used, but the expiry date on the cards is 2012. 
I have emailed and called Citi, but they tell me that I can not access the funds ( each card has {$99.00} on it ). They tell me that they " ended the program '' and I can not have new cards issued or the funds released. 
From reading your website it seems that they should agree to reissue the cards. Please help me understand what is going on here and why they are keeping our money.
This is regarding Complaint ID 's XXXX, XXXX and XXXX. 
I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. 

XX/XX/2016 Reference : XXXX XXXX AUTOPAY PAYMENT - THANK YOU XX/XX/2016 Reference : XXXX XXXX ONLINE PAYMENT - THANK YOU XX/XX/2016 Reference : XXXX XXXX ADJUSTMENT XX/XX/2016 Reference : XXXX XXXX ADJUSTMENT XX/XX/2016 Reference : XXXX XXXX MANUAL CR BAL REFUND
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

XXXX XXXX XXXX, Account # XXXX .Date Opened : XX/XX/2007 Amount : {$5000.00}
My son XXXX XXXX has an outstanding student loan with Navient/XXXX XXXX. On todays date, my wife and I received a total of XXXX telephone calls from XXXX the calls began at XXXX XXXX. and continued on until XXXX XXXX The majority of the calls from this number were answered by our voice mail answering machine and caller did not leave any messages. I answered a call at XXXX XXXX. and caller identified herself as being from Navient. She wanted to speak with my wife, who was not home at that time. I asked her the reason for the call and she refused to tell me. At XXXX XXXX, my wife called Navient and they informed her that my son 's student loan was 6 days late in payment of {$96.00}. My wife advised that she would tell our son to contact Navient when he woke up. At XXXX XXXX., Navient again called and again at XXXX XXXX I spoke with the rep. and requested that they stop calling us and we would inform XXXX to contact them. We received another call at XXXX XXXX and again at XXXX XXXX. at which time, I advised the rep that I would contact an attorney if they did not cease the phone calls We co-signed for our son 's loan and he has been consistent with his payments in the past. We feel that these actions by Navient are nothing but pure harassment and they need to be stopped
I currently have a credit freeze on my account due to identity theft. TransUnion charged me {$5.00} to temporarily lift the freeze ( which is free with other companies ) from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I received a call from the bonding company that they were never able to access the credit report onXX/XX/XXXX. They tried 3 times. On XX/XX/XXXX I  called to have the freeze temporarily lifted again and they insisted that it was state law that I pay another {$5.00}. This can't be the case since at least one other agency does it for free. It took 45 minutes of my time dealing with 5 different people ( Unknown operator # 1, then XXXX XXXX, XXXX, XXXX, and finally XXXX ), 4 of them being " supervisors '' to get this settled. This should not take 45 minutes on the phone nor should they lie about the fee being state law.