WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , NY   XXXX   DELINQU ENT REPORT ON MY CREDIT REPORT : LOAN # :  XXXX  My credit history has been greatly damaged by a business loan I took in  XXXX  for a    XXXX   XXXX   i n  XXXX , IL (   XXXX    #  XXXX  ). This loan was granted by  XXXX   XXXX   XXXX  in New York through their agent,  XXXX   XXXX   XXXX   XXXX  before it was acquired by  XXXX   XXXX   XXXX   XXXX , New York (  XXXX  #  XXXX  ).     In  XXXX , my loan officer,  XXXX   XXXX   XXXX , assured me that it would be treated as a business loan and not reported to credit agencies since my   XXXX   XXXX   was used as collateral. In  XXXX , balloon notice came and I requested for refinancing and modification of the loan,  XXXX   XXXX  agreed to work out the details of refinancing and modification. During this process, I kept making timely payments and never defaulted.      XXXX   XXXX  started reporting it to the credit bureaus as a delinquent loan while still collecting payment and working on the process of finalizing refinancing and modification terms and agreement ; it also failed to report m y 3-year his tory of timely payment to the credit agencies. Also, it is noted on my credit report that I had missed payments when in fact I had maintaine d 100  % record of timely payment. I wrote letters to  XXXX   XXXX  requesting that it should stop reporting this loan as delinquent because it was hurting my credit history and the loan office,  XXXX   XXXX , wrote back to me assuring that it would be taken care of once after the loan was refinanced and approved.     In  XXXX , this loan was approved by  XXXX   XXXX  and  Im  still making on-time payments on this loan as agreed. I wrote back to  XXXX   XXXX  requesting that it should help me expunge those delinquent records from my credit history and my requests were denied by the l oan officer. I con tacted credit bureaus and they told me that it was up to  XXXX   XXXX  to either demand for expungemnt or accept no contest in order for them to accept my request to delete those records from my credit history.     This reporting has severely impacted my credit history and made it impossible to get any loan. This has made impossible for me to get a car loan for change of equipment which is due at the end of this month.     Please I would appreciate if you could help me in resolving this case. I have all the necessary paperwork for your perusal.     Sincerely,  XXXX   XXXX  Ph: XXXX    Fax: XXXX      XXXX
I had lost my card on XX/XX/18 temporarily for a few hours at an airport and found it later on and found two charges that were not mine in total of {$700.00}. Clearly somebody had obtained my card information and made two charges and they denied the dispute and I appealed it and they had the nerve to lie to my face on recorded phone and say they had contacted me which they never did and I have the phone bill records to prove that. XXXX XXXX is already a shady company that handles the calls in the XXXX which is hard to understand any of the people talking to you in English. I had got in contact with them on XXXX-18 when they had the nerve to try and tell me they had tried to call my phone which is an absolute lie and said to wait another 45 to 60 days from the dispute date which it's already been that for another answer which is not going to get anywhere they have every reason to credit back my card and are not.
The status of the payment history on my Mortgage account is incorrect. 
Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX ( XXXX ). Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early ( XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time.
This is a complaint regarding Citizens Bank. 
On XX/XX/2018 we received an email congratulating us on opening Mobile Banking and XXXX Account. I immediately contacted the bank to advise them we did NOT request either service. Bank Rep XXXX said ... it was good I called as this had just happened within a hour of my call and all was okay on our accounts..but, we needed to change our user id and password. XXXX gave me a new ( per his words ) fail proof user ID and we changed password. 

Thinking all was fine I did nothing else until on XX/XX/2018.We are retired and our pension payments go into our account on or around the first of the month. When I went in to account to see if our pension checks had been posted I noticed they were but, the balance as extremely wrong. I scrolled down and saw there were two checks issued on XX/XX/2018 to an unknown person and they were both cashed and deposited into a credit union in California??? I immediately called the bank. The rest of the story is in the attached document.
This is related to the earlier ticket XXXX. 

I asked them to just use one name " XXXX XXXX '' and remove the other one " XXXX XXXX. And their response was " We reviewed your complaint and apologize for any difficulty you may have experienced. We deleted the other name XXXX XXXX, per your request from the credit report. '' They made a mistake. 

I also asked them to explain what it means by " reported '' for each of the three other information types ( i.e. addresses, telephone numbers, and employment data ). Their response was " Please be advised, the date reported are reported by you creditors when they have verified the personal identifying information. '' This is off the point, incomplete, and inadequate.
On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bought my medical debt. At first they continually called and harassed to make payment for something I knew nothing about. After I checked my credit a few weeks later I could see my score dropped due to the XXXX XXXX. Next time they called we agreed to set up a payment plan if they would delete this account off of my credit once paid. I have fully paid earlier this year and the collection was not deleted. When I called and asked them to Delete, they claimed it was nothing they could do. 
After researching I could n't find any information about this company doing business in the XXXX XXXX XXXX. I would like this account to be DELETED if possible as promised by XXXX XXXX XXXX
Debt collectors have provide and report inaccuracy information not belonging to me all three mayor credit bureaus.
I am a consumer who applied for a cared credit card for vision purposes in XXXX 2014. I was under the impression that I would not pay any sort of interest for 18 months on my XXXX purchase and would only acquire interest charges after the 18months was over. I received inadequate explanation of the terms from the store rep and at not time spoke to an actual Care Credit rep during the application process. I also did not receive any copies of the care credit agreement that explained the deferred interest rate of the crazy 26.99 % When I went to make a payment online I noticed and interest charge for over {$700.00}. I called care credit and pretty much told me there is nothing that they can do, but only offered to remove charges if I paid my remaining balance within a week. which I cant. Also only said that they are sorry that the vision rep did not explain how the deferred interest charges would work. I am truly stressed out about these charges and would like your help. I wrote a letter to the corporate office, but was told but a care credit rep that it may take over a month for them to reply to me. Please Help! Thanks.
Went to XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX, borrowed XXXX never informed of interest rate, or given copies of loan agreement, told I would have a 1 time cab fee on my first payment, Appird for loan in XX/XX/XXXX 2017- paid XXXX every month, credited with {$110.00}, told pay off amount was more than the original loan - {$910.00}, charged cab fees every month but did show on my payment receipts - I have paid almost the entire amount but still owe XXXX however if I pay it off I have to pay XXXX, total loan amount comes toXXXX twice the amount I borrowed, I am on social security so my payments were scheduled every month on the XX/XX/XXXX.
In  XXXX     2017  I reached out to MCM Collection agency to figure out a debt that was marked on my credit reports. The company told me that I did not owe a penny and the accounts should not be on my credit reports anymore. They sent me a letter in the mail stating this. However when I disputed this on all  XXXX  credit reports they came back verified.
I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX  XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.
I contacted BofA call center on XX/XX/XXXX at XXXX XXXX MST. I spoke with XXXX first, XXXX second, and XXXX third. I explained I did not understand why a $ XXXX monthly maintenance fee was incurred from XX/XX/XXXX through XX/XX/XXXX because I have my employer directly deposit {$150.00} semi-monthly ( totaling {$300.00} per month ) which should satisfy the requirement of having at least one qualified direct deposit of {$250.00} ; I have two direct deposits that total more than $ XXXX monthly. XXXX stated the qualifying direct deposit means one direct deposit into the account has to be {$250.00} versus my understanding of the total direct deposit received during statement cycle and per company initiating the deposit has to be {$250.00}. I stated I wanted to keep my account and could update my direct deposit to have {$250.00} per check versus {$300.00} per month but would like my fees back because there was no fine print or indication online stating a qualifying direct deposit is per direct deposit ; otherwise I would not have reduced my direct deposit amount in XX/XX/XXXX from {$650.00} per check to {$150.00} per check. She refunded the XX/XX/XXXX fee. Upon asking why more could not be done considering my 18 year relationship, my willingness to update my direct deposit amounts immediately, and the wording of " one qualifying direct deposit of at least {$250.00} '' being misleading and deceptive, they stated only the one fee is refunded because the account did not met the requirement and the same resolution would be the same regardless of who I spoke with. The employees of BofA did not understand BofA was indeed receiving {$250.00} in direct deposits into my account by way of semi-monthly credits. Minus me not understanding what was meant by " at least one qualifying direct deposit of {$250.00} '' and no fine print or explanation to understand BofA intended meaning, I was directly depositing {$300.00} per month from the same source.
I am a XXXX XXXX veteran. Wife and I applied through VA to buy a house close to family. Credit report showed judgement from a few years ago that I did not know about. I called collection company to settle the account so we could move on. Paid the the amount we agreed on to settle account. Was told it would take minimum of 30 days to get papers showing judgement satisfied. Tried to get some sort of date but was told to just check back. Paid on XXXX/XXXX/2015 but was told not sent to legal dept until XXXX/XXXX/2015. Court is in a small town so should not be a problem of the court being too busy. 30 days is here and only get run around when calling. First you get someone in a foreign country that you can not understand and it takes up to 30 minutes to get connected to the United States to talk to someone that you can understand. I have only been able to talk to XXXX department that will not give number to legal department or transfer me. They took my money very fast but now I do not seem to be a concern to them any more. Not a good way to treat people. This could cost me the house and my earnest money when it is an easy fix. Wife very upset as I have severe XXXX. When told them today that I was not happy with their service they said it might be 60 days. Not a good answer! 

So any help is appreciated!! 
Thanks
I have been receiving repeated phone calls from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WA XXXX in an attempt to collect a debt owed to XXXX XXXX in XXXX, Washington. 

At least 3 times, I have been contacted by and them and explained to them that they are contacting the wrong individual, who apparently has the same name as I do. I have given them the last four of my ss # and, after doing so, they realize that they have the wrong individual, apologize for contacting me and say that they will update their records. 

Today I received yet another call from XXXX XXXX from the same institution. I was incredulous that they have yet to correct their records from the multiple times that I have requested them to do so. 

XXXX XXXX was very condescending, accused me of trying to not pay a debt that I clearly owned, and was in general very unprofessional. As she continued to provoke me, it became very clear that not only was she refusing to listen to my explanation but was set on continuing to speak to me in an accusatory manner.
My question involves a consumer law issue in the State of : Louisiana I recently financed a vehicle at a dealership with a co-signer. The agreement was for me to be the buyer and my mother to be the co-signer. Recently my mother received all the information for the car license plate, payment, etc. And it has her listed as the buyer and me as the co-signer which is incorrect. How can we get that fixed? The dealership says it does n't matter who name is first it 's the exact same thing. We will be more comfortable with me as the buyer since I 'm the one making payments to help improve my credit score. Once asked about switching it to the correct way. Seller says it would increase my monthly payment by {$100.00} if I get put as the buyer. Do anyone has any insight on this?
Trying to sell a home that is part of an estate that I am personal representative of. Working with a title company have a cash buyer and bank of america wo n't release the deed until 60 days after payment has been made. Basically blocking me from sale title company has been working with them for over a month were suppose to close last month and have gotten no where they are close to foreclosure. The amount of the sale would pay them off in full meanwhile bank of america is charging more interest, penalties, and taxes. Loan was first a Va land contract and payments were made threw countrywide. Bank of america bought them out and now state is a mortgage payment.
Rausch, Strum, Israel, Enerson and Hornik, LLC did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature.
CBCS XXXX. XXXX XXXX XXXX Ohio XXXX Calling me and sending me mail about a debt that is not mine. They called even before I could respond to the letter they sent that said I had 30 days to dispute the debt. CBCS are not very professional at all. The letter was dated XXXX XXXX 2016 and the phone calls began immediately after that. Today is XXXX XXXX 2016
I have been a victim of identity theft, and someone used my information to obtain a Loan through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because   XXXX   XXXX   XXXX  , and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It has been more than 30 days and still no resolution on my issue.
My home was foreclosed XX/XX/2014 & we had modifications through a previous lender Homeward when it was sold to Ocwen. I believe out modification, loan, payments, & foreclosure was mishandled. 
We have contacted Ocwen on several occasions with no response to the information we requested.
I was told today by your offices to file another complaint to try to force Wells Fargo to answer through your offices. The original CFPB Complaint number was XXXX, which was filed in XX/XX/2016. i will attempt to attach subsequent correspondence between myself and Wells Fargo via phone calls, E-mails and faxes in chronological order. Basically, all Wells Fargo has done is to stall by forwarding the information between California, Oregon and North Carolina and force me to keep answering the same questions repeatedly.
I was established with a rate reduction plan with navient private loans to pay {$340.00} a month and set agreed dates per month for 12 months in 2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XXXX of 2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted navient and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with navient and no help. I have disputed with the credit bureaus and nothing has changed. 
NAVIENT has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.
In 2014, I sold my home that was financed through Bank of America. Although the foreclosure process had started, I sold the home for a price that would cover the entire balance owed, interest generated and fees accumulated. Prior to closing however, Bank of America forced me into a Short Sale scenario but sending out the Escrow for insurance that was n't due for another month and by their attorney having increased fees. The attorney also did n't respond to a request for payoff for over a month that accumulated more in interest fees. Although the payoff was only {$2200.00} short because of their actions on a {$170000.00} amount, they have reported it as not paid in full on my credit. They have refused to reexamine the situation or refund the additional amount of interest because of their attorney 's actions. I was not able to use HARP as I was self employed. They refused to modify my mortgage loan as well.