WillisBack/dataset-financial-user-claim huggingface dataset:
I constantly contacted Transunion and the creditors to remove the 90 inquires from my credit report they where done without permission through a car dealership, I even told the bank I didnt give them permission to run my credit. I just get sent in circles and nothing has been done at all.one sends me back to the other ones
I recently disputed three collection accounts with XXXX. After checking my previous credit report ( XX/XX/XXXX ) with my most current dispute ( XX/XX/XXXX ), it appears that the accounts have been re-aged, which is illegal.The collection reported date on my most recent credit report is XX/XX/XXXX for all accounts being disputed. The previous report dated XX/XX/XXXX, shows the collection reported date as XX/XX/XXXX. I have asked the original credit to provide me with documents confirming this account belongs to me. They have failed to do so. Each disputes comes back verified by XXXX. I do not believe XXXX is verifying these accounts. I have attached both credit reports with the account in which I am submitting a compliant for.
Two complaints 1. Number of calls 2.  Wo n't close account : I have a  XXXX   XXXX  card that I got delinquent on. Over a year goes by, account should be closed but it is not. I sent a written letter to  XXXX , along with the card, telling them to close the account and send a final statement. Almost a year after that, I am still receiving monthly statements steadily climbing higher because of late fees and interest. While this is going on, they are calling me up to 7 times a day, mostly 6 days a week. They are calling my mother in Alabama, my father, my grandmother, my uncle. And that 's just the ones I know about. I decided to try to pay the debt off on my own recently, sent another written request to close the account, saying I would make weekly payments until paid in full, and to stop calling me unnecessarily because I would file a complaint . Two payment s have cleared in a row, steadily getting phone calls from them, and they wont close the account. Got a statement in a couple days ago where I am charged yet another late fee and interest. My grandmother told me she got another phone call from them. She tells them there is nobody there by that name, but they continue to call. I am going to continue to make my weekly payments, but I want the account closed because if they charge a late fee each time of {$15.00}, my {$25.00} payment on a {$700.00} balance will never be paid off
I purchased a speaker from XXXX XXXX. I opened a XXXX XXXX credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my XXXX XXXX credit card. On XXXX/XXXX/XXXX a check was sent to XXXX XXXX XXXX and was cleared the following day, XXXX/XXXX/XXXX, for the amount of {$490.00} to pay off the credit card. Best Buy claimed that to never receive the check, so I made a conference call to the department during the week of XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. On the call a representative from XXXX and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to XXXX XXXX originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XXXX/XXXX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to XXXX to get it all sorted out again and nothing was done again. 

To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.
Equifax required me to purchase a credit report from them for {$15.00} just so I could find out if my account had a credit freeze on it or not. I should not be required to purchase a product just to find out about my own personal credit information.
In XX/XX/XXXX or XX/XX/XXXX, I was contacted regarding help with forgiveness on federal student loans. A gentleman named XXXX working for Integrity Group, Inc.spoke with me regarding the process. He explained I would save thousands of dollars on federal  student loans if I would let them help me. I explained that my loans were in forebearance and he said that did not matter. This process would kick in once forebearance ran out which was not until XX/XX/XXXX. I agreed. Paperwork was completed and it appears XXXX XXXX XXXX paid Integrity Group {$1300.00} on my behalf. I was to pay XXXX {$39.00} a month till paid in full. He explained that someone would be in touch with me to move forward. I next spoke with XXXX XXXX from Integrity Group who said he would be administering the process for my student loan forgiveness. As forebearance time came near, I logged into my XXXX account and saw no activity adjusting the promised monthly amount. I called XXXX at Integrity and he assured me something must just be hanging up somewhere and he would fix it and get back to me. I waited a week or so and heard nothing from him. I logged into my account again and there was no change. I then called XXXX and spoke to an associate. She checked andsaid there had been no one in my account or asking regarding my account. I explained to her what I just explained above and she said I should not pay any more dollars as it appears someone was taking advantage of a situation that I could, indeed, do myself. She helped me through the process of loan forgiveness with the adjusted amount. I have not heard from Integrity at all. Of course, I get notices that my {$39.00} is due. I have not paid XXXX amount.
Company is reporting a debt on my credit report, a letter was sent certified mail demanding proof of debt. However the certified letter was returned to sender, the address the company is reporting to the credit bureau is inaccurate. 
Letters were sent certified mail on XXXX/XXXX/XXXX Letters sent to credit bureau on XXXX/XXXX/XXXX informing them of the inaccuracies
Very old account been close seen XX/XX/XXXXXX/XX/XXXX Old charger off account I disputed in XX/XX/XXXX. 
The account amount went up and the open day change to 1, year 11months. When it should be 4-5years old collection account. Price keep going higher. Stop trying scam people out of money on very old charge off account
XXXX XXXX XXXX, Notice to quit and demand for possession XX/XX/2018 XXXX XXXX  and all other occupants residing at XXXX XXXX XXXX  XXXX, MS XXXX I went out of town to help my father because he was ill I would like to stay in my home I have XXXX boys still in school and I need time to get myself back on track I really need help please help me and my XXXX  boys please thank you very much
I have a mortgage account with XXXX XXXX that was removed in error by XXXX  and Transunion. I would like for this account to be added to my credit report.
I have gotten a with Radiant Cash for {$400.00} XX/XX/XXXX. I pay {$47.00} every week. I had miss only one which is back of this loan. I had emailed customer service on a payoff amount. They emailed me back with {$350.00}. I really do n't think my payoff is this amount. I had made close to over {$600.00} to them which they already made a profit on me. The loan goes to XX/XX/XXXX. How can a payoff be this? They claim the high interest. This loan should be less than {$200.00} for a payoff. They are ripping us consumers off. I will never go and get any payday or cash advances again in my entire life. I need you to help me if you can. My loan started XXXX/XXXX/XXXX and that was first payment and the last payment is XXXX XXXX XXXX. Loan Id. XXXX. I want to pay these people off but what they are telling me a what I still owe, no way.
I am trying to refinance my Mortgage. A Credit report was pulled and an item for XXXX is listed on my trans union as a collection chargeoff. I called them at XXXX and they stated that the account number was not my account. I said I know that, please tell the credit bureau so it can be removed. They said we did not and would not report it because it does not belong to you. I said they please give me a letter stating that, they no. I called back and spoke with a different manager twice and they said no as well. There address is XXXX XXXX XXXX Ut, XXXX. They had to report for me to have their information. I just need it removed please.
I received a home improvement loan from Home Depot. I have requested on numerous occasions an " itemized '' accounting of all the charges. There were services cancelled, credited and not done at all, but I can not verify the charges. I contacted the XXXX XXXX in XXXX, Georgia with a written request and was sent a " payment history ''. I am charged for items, assessed interest and demanded to pay what they will not verify.
I am replaying PLUS loans for my daughter 's education. It originated with XXXX XXXX and was transferred to Navient. I do n't think my payments are being allocated correctly. One month more goes to interest than another month. Even on months I pay early, principal amount goes down.
From XXXX XXXX to the present, Synchrony Bank has been calling my cell number from XXXX times per day, as early as XXXX XXXX. After the phone call they send a text. I do not have a balance with this bank. My account was paid off in early XXXX XXXX. Multiple calls have been placed to request that they cease their advertising or marketing tactics without success. When I call their XXXX number back, it takes me directly to their automated system which indicates I have a zero balance They need to be regulared and fined.
This debt was purchased by XXXX XXXX XX/XX/2014. I did not receive communication, though they insist they sent it. Calls to XXXX XXXX informed me to first call their account reps to get my information. Another call said the debt had been sold to a company called XXXX. A call to XXXX told me it had yet been sold to another company. I have n't received any kind of information from these companies with debt validation or giving me the right to dispute. The last company 's rep said she " was n't sure '' if they still had the original account information. I feel as if I 'm being run around in circles. 
As for my credit report, this account appears as it still belongs to XXXX XXXX.There are multiple inconsistencies across all reports.
XX/XX/2018, California Business Bureau received my certified letters ( 4 ) requesting them to validate the debt being reported on XXXX under my social security number per the Fair Debt Collection Practices Act. In turn, the receptionist at the front desk of my job told me their were papers left for me at her desk. It was a summons I was being sued by California Business Bureau. They failed to provide any contract bearing my signature to validate the debt they were looking to collect or exactly what medical services they were collecting for. I have no idea who these people are. I pulled a new credit report on XX/XX/2018 and they failed to communicate to XXXX credit bureau the debt had been disputed within the 30 day time period. A direct violation of FDCPA Section 807 ( 8 ). They also did not validate and provide any proof or contract bearing my signature I owe them anything.
Had unfair lending practices with mortgage with Citibank. I had a loan on a rental property with 10 % down. The lender I had was purchased by Citibank Mortgage. I had the loan for 10 year and tried repeatedly to get the PMI removed. Citibank kept telling me I had to pay several thousand dollars to get the equity up to 20 %. At on point they requested $ XXXX on a property that I paid {$120000.00} for. They only paid down roughly {$100.00} down on the principle on a monthly basis. The rate was 7 % and the remainder of the charges were PMI. After 10 years I had only {$10000.00} of the principle paid down. Total scam. Every time I called to get PMI removed they said I had to get a new appraisal with their team and have both these high cost, a large amount of capital down, and really high closing costs.
Credit card debt that was originally with providian and then moved to XXXX XXXX XXXX XXXX when providian was purchased by XXXX in XX/XX/2006. My acct was always in good standing and paid off balance to XXXX. I have been receiving debt collection letters and calls for several years regarding this account that was taken over by XXXX. I do n't understand how debt collection can occur for this account since it was part of a merger of banks. I have little recourse since XXXX was purchased by XXXX, they have no record of the debt since it was paid and account closaed prior to the XXXX merger.
I disputed incorrect information on my report. They did an investigation. They sent me back a response saying that the information was verified. I sent a request asking fro all information they received to verify the account and I got no response from them. Also after filing my report with you my credit score dropped XXXX points I found this to be very confusing. Noting changed and a drastic drop because I 'm trying to protect myself.
I believe there is incorrect information on my credit report, and I have been attempting to gain online access to obtain my credit report. I can not access the online portal because they have incorrect information, and I have to file a dispute online to correct the information but since I can't access the online portal I have to access to my credit report or the dispute process. I have contacted the company a few times, but they won't fix the issues because I can't verify my identity since my credit report is incorrect. I am basically being told I can't access my credit file because I can not verify who I am because I can't verify incorrect information. I have tried contacting Equifax directly and the customer service is extremely unhelpful.
Credit Denial, see XXXX/XXXX/XXXX letter attached ; based on low Appraisal, low AVMs valuations. No Adverse Action Notice sent. Communication denied. 

CFPB Dodd Frank law violations, which say regulatory violations are to be tracked and a root cause analysis done when violations are noted. 

Consumer is not allowed to question {$700.00} Report he paid for. See XXXX-page attachment, including my XXXX/XXXX/XXXX email to Lender 's President. 

Mine is a XXXX single-level home, on concrete slab foundation ; Comps XXXX and XXXX are steep XXXX-story homes, on stilts. Comp XXXX has XXXX-foot tall posts holding up living room and basement balconies ; home hangs off a narrow mountain edge. 

Calculation errors : Comp XXXX sale {>= $1,000,000} ; sold {$450.00} sf GLA, not {$730.00} sf GLA ; main floor XXXX sf, basement XXXX sf, total XXXX sf ; see Comp Comparison page. Appraiser falsely lowered my value with - {$240000.00} basement adjustment. 

See XXXX aerial of XXXX Comp XXXX, versus my level lot XXXX aerial, XXXX topo-rendering marked Comps ; attached. 

Did n't value " functional utility '', XXXX XXXX most important requirement ; XXXX is " location '' XXXX is " physical '' similarities. 

Did n't value " view '', an important buyers ' feature in XXXX XXXX XXXX XXXX XXXX ii, XXXX, XXXX homes. 

Comp Sales Time Period is to Short, using homes sold past 45 days. My XX/XX/XXXX Appraisal used 9-month old Comp. 

Lender determined Appraisal had expired ; see Letter XXXX/XXXX/XXXX, in XXXX-page attachment. 

No Expiration Date in XXXX Form XXXX XXXX XXXX Appraisals ; mine say borrower can rely on Report, and use it for another lender. XXXX/XXXX/XXXX case attached. 

Land is the value in my 40+ year old subdivision, not old homes. XXXX sf level land area, XXXX feet wide, sold {>= $1,000,000}, old XXXX-story home torn down to XXXX wall, XXXX XXXX XXXX, XXXX sf level area, balance vertical, sold {>= $1,000,000}, home torn down, XXXX XXXX XXXX. 

Lender 's appraisal management company is in violation of XX/XX/XXXX CFPB Dodd-Frank Mortgage Rules. XXXX said " we are obligated to guidelines of the Dodd Frank Act, and we are mindful not to over-impose on the appraiser independence to the point of retribution '' XXXX/XXXX/XXXX email attached, thus wo n't discuss anything.
Today I spoke with a XXXX that was representing ACE Cash express and wanted to pay on what I owe in installments. I was told no unless I can pay it in full. Then was threatened to be sued. Also I have not received any validation of debt or any paperwork from them for that matter. All of a sudden a get a phone call from a private number with a threatening voicemail from XXXX whom was representing ACE CASH EXPRESS. I believe I am being bullied and what I can pay monthly is not being accepted even though they have not provided me validation of debt.
PORTFOLIO RECOVERY uses abusive language in the way they attempt to collect a debt. They are very aggressive and intimidating in their manner. They need the money NOW and insist on getting your banking information before they send you written acknowledgement of your arrangement. They have REFUSED to send me a written acknowledgement of our arrangement and they said it was due to an " open complaint ''. I stated that my complaint had nothing to do with our arrangement and that I was entitled to file a complaint every time they were nasty to me and I would continue to do so until they changed therir tactics. I have called repeatedly to resolve this matter and they simply REFUSE because I filed a complaint that I am legally entitled to do. Regardless the issue is their REFUSAL to send me written acknowledgement of our agreement and the AGGRESSIVE MANNER in which they INSIST on attaining my banking information before issuing a written agreement. They are RUDE AND NASTY and someone needs to stop them. They can not force me to give bank information without a written agreement and they can not withhold such agreement as a way to harass me for filing a complaint.
My loan for our XXXX XXXX is a mess. Payment is {$270.00} per month and all payments have been made. Until XX/XX/XXXX which we became late due to my injury. In XXXX I get an email statement for over {$1000.00} ( should be less than {$600.00} ) and these XXXX report to the the credit bureaus I am 75 days late ruining my 730+ FICO score. This is the second time they have tried to accelerate the loan. Looking back on the history payments have been misapplied. I am not the only who has complained about Capital Ones horrible business practices. For being 1 month late they have ruined my credit and charged me the equivalent of 4 months payment ... Yet according to their Website I have never incurred a late fee????. Things are now fine Income wise ( back to work ) as of XX/XX/XXXX. I paid the XXXX payment + 100 extra I plan to pay the XXXX payment by the end of XXXX. By my calculation I should be OVERPAID. Yet according to Capital One I will still be over {$400.00} behind due to their unwarranted escalation From what I have seen in complaints I would say this is standard practice ruining people credit so they cant get a loan to refinance to get away from this XXXX. This way they can keep you on the hook and bleed you dry.
PayPal permanently limited my account with my hard earned money in it and told me they 'll release it after 180 days and kept my credit cards and bank checking information on file. Basically, at first, my account was temporarily limited citing " security reason '' - basically telling me to go kick rocks and starve. Till this day, i do n't understand where the " security reasons '' statement came from because all i did was sell a couple of items on eBay. Apparently PayPal plays this dangerous game with everyone because they 're basically the only way customers and sellers can make and receive payment via eBay. They 've been on a royal power trip for years and this really needs to stop. Now to continue with more background information on my compliant ... They temporarily limited my account and asked me to submit my social security card, my drivers license, my bank statements, credit card statements, invoice of purchase for items that were sold and valid tracking information for all my sales. Even though these demands were pretty steep for an entity that has no governmental affiliations and does n't consider themselves a " bank '', i complied in hopes that everything will be resolved and i 'll get my money back but i was wrong. They instead decided to lock up in their account and keep my money. The same money their probably profiting from right now by locking me from accessing it in their system. Anyway, i sent them the information via the " resolutions '' page and informed them that they 've already confirmed my credit card and bank account through their electronic process which had me log into my bank account and receive security deposits on my credit card. I sent them everything and informed them that one of the transactions they say requires tracking was just a payment from " XXXX '' - a company that pays you for shopping online. I received a response to proceed and that particular part was removed. I had faith the process was just to determine that i 've not trying to defraud customers. I sent them more information via email to " XXXX '' and via the resolutions page. All of sudden, i got an email saying my account has now been permanently limited and they claimed that my sister 's account ( which they also closed for some ridiculous reason ) is related to mine. I simply told them to look at the official documents i sent to them ( drivers license and social security card ) but instead of doing that, they locked my business funds in their nidicolous disaster of a sinkhole and refused to give me my money. Please get them to give me my money and keep their ridiculous site and their incompetent employees. My PayPal email address is XXXXXXXXXXXX