WillisBack/dataset-financial-user-claim huggingface dataset:
I closed my mortgage on XX/XX/18 with Freedom Mortgage. The loan funded on XX/XX/18. Freedom was to mail me an escrow balance from my previous loan in the amount of $ XXXX.The check was never received. I have contacted Freedom 12 times and have been lied to each phone call. Freedom has to me the check was mailed twice. They have told me they didn't have my address. They have told me a supervisor will contact me. To date, a supervisor has not contacted me and I have not received my escrow check from the XX/XX/XXXX closing. my current loan # XXXX. However, the escrow check is due from my previous account. that account number is # XXXX On my latest calls, XX/XX/18, I was told that Freedom did not have my address. On XX/XX/18, I was told by AL, # XXXX, that he could not find any record of an escrow check due me.
AVANT LOANS : This company does not allow you to update your bank information online in order to pay the loan. They require undue burden of mailing in a voided check which could cause problems with the old checking account and unnecessary fees for returned items. They also do not allow you to update your address online - it must be through mail or fax. 

I wanted to pay additional money on my account toward principal. This company does not allow that and requires that interest and fees are paid first - even if you have made your regular monthly payment. I asked what amount of my payment would go toward the principal and they REFUSED to answer unless the payment was made. there are no payment tables, no customer support regarding early payoff totals - nothing. 

Address is absolutely not found or VERY difficult to find on website. Contact Us takes you to a form - you fill it out and hope someone gets back to you.
I responded to an ad campaign about HARP loans, just to obtain information on the program. I stated clearly to the individual who called me back, that I was simply seeking information and that I was NOT making an application. He continued to require additional information in order to " give me the information I was seeking ''. They pulled an unauthorized hard credit report from what appeared to be XXXX different companies, each with a different credit bureau, making it appear that I had XXXX hard inquiries, resulting in my credit score declining by XXXX points. I filed a complaint with the XXXX and Quicken has refused to inform the credit bureaus that the credit inquiries were improper, stating that I had provided information that authorized the inquiries, even though I clearly stated that I was not making an application. 

They stated in their response that I requested a Home Equity loan, which I clearly did not.
In XXXX of this year, I was diagnosed with XXXX XXXX and possible XXXX XXXX. In an effort to reduce my debt ( I had no idea how much work I would miss ), I paid off a secured credit card. I took {$2000.00} and paid it off and the person I was speaking with on the phone told me she would cancel the card. Since I had just had TWO XXXX and was not thinking clearly, as I would have under normal circumstances, I said, Okay. 

Fast forward to XXXX. I had just gone through TWO XXXX XXXX and was getting ready to start 6 weeks of XXXX5 days a week. One day, during a break in my XXXX XXXX it occurred to me that Id accrued thousands of points on my card. I called customer service to redeem the cash the points represented and was told : 1 ) I had 2 months after closing the account to redeem the points and it was a few days past the 2 months. I explained the whole XXXX XXXX thing and was told he would work on it and would call me back in a few days. I didnt get his name. He called back and said he could get me my redemption ( a little over {$710.00} ) but they had to credit it to my card and since the account was closed, I should just get another card and they would apply the money to that card. I applied twice ( the first a non-secured card, the second a secured card ) and was denied both times. 

2 ) I called customer service again in an attempt to get my money and was told that since the bank closed my original account, I couldnt. I asked if I had closed the account, would I have been able to get the points now. She said, Yes.
3 ) I made an appoint at my local branch ( XXXX XXXX, XXXX XXXX, WA ) to get that changed to my decision to close the account so I could get my money. At the bank, I was told the MINUTE the account was closed, I forfeited the money.
4 ) I have subsequently received 2 letters from BOA asserting that I couldnt receive the money Id accrued because it was forfeit the moment the account was closed, regardless of who closed it.
So, as you can see, Ive had several stories of what happens to MY money after an account is closed and the bank finally settled on the one that denies me my money. I spent a lot of money accruing that money and they reneged on what is mine.
So here we are. I have an account at BOA ( corporate ) into which they could deposit the money -- -but they cant. 

I have exhausted all my methods except you and picketing. As an aside, XXXX XXXX ( before it became BOA ) in XXXX was the FIRST bank in the nation to stop redlining as an official practice. That was where bank bigwigs would draw an arbitrary line around neighborhoods ( think minorities ) and just not loan money for housing or remodeling there. They stopped the practice because I put pickets on them until they stopped. I am willing to hit the streets again with my friends, but hope that you will take up my cause instead. Im still kind of tired from the XXXX! If not, I 'll post all our picketing -- several branches -- on social media. 

Thank you, XXXX XXXX XXXX ; XXXXXXXXXXXX
XXXX XXXX is all paid up and they promised to remove any late fee 's and tell the creditors that it is all paid up with no problems. 

I have looked at my credit and have yet to see this updated. I called around XX/XX/18 to make sure this situation can all be settled and was told It would be done.
On XX/XX/18 I received a telephone from a woman stating she was with Simms and Associates and that she was attempting to collect a debt. I asked the lady to cease and desist in calling me on my job. She became very hostile and noted that she would not and that upon signing a contract that i have not seen or had knowledge of that she had the right to contact me and that she would continue. She told me that she had a court summons and that she was going to serve it on my job. I asked her again and also told her to contact my attorney. I am under Chapter XXXX currently. About 3 minutes later a man called and asked for the Human resources department. He was given the phone number. About 3 minutes later he called and asked to speak to me and noted that the HR Department informed that he could not deliver a summons on their property and insisted in an angry voice that I give him a home address. I inquired as to the address that was listed and he mentioned a PO box I told him to send it that he noted that he would not and that he was going to serve it on my job whether my company liked it or not. He then hung up in my face.
Equifax is reporting a debt from XX/XX/XXXX that is the last date of delinquency it was sold to a collection agency that is reporting it as XX/XX/XXXX I have never paid anything to the collection agency for I do not owe it due to the fact that the business where the accident happened agreed to pay the bill but did not. I have a lawsuit against the collection agency for refreshing this debt but the Equifax will not remove this item even with proof of the original creditor date of XX/XX/XXXX. I have read on this site that I am correct statute begins after last day of delinquency unless I have paid on it which I have not I want the removed from my credit report this violates my rights.
I received a collection letter saying that I owe {$260.00}, from an outstanding debt with wells fargo in a checking account # XXXX which was transfer to XXXX XXXX XXXX XXXX XXXX. I have not had a checking account with them only credit account which are paid and closed. I contacted wells fargo directly and they said that I do not have a balance with them, also I check my credit report and nothing shows up.
I have tried numerous time to dispute the late payment information on my account with both the lender ( XXXX ) and all three major credit bureaus ( CBs ) and they will not update and/or remove the information. 
It is on record with the National Student Loan Database System ( NSLDS ) that specific accounts were in forbearance during a specific period of time yet my lender reported to the CBs that there were late payments during the forbearance period, even though they are the ones who originally reported that information to the NDLDS. 
Another issue I have is during the later half of 2015 I moved and had my mail forwarded for 90 days ( XX/XX/XXXX-XX/XX/XXXX ) yet I have a late payment during that period and the statements were not forwarded properly.
XXXX XXXX XXXX XXXX, account has been paid off for a year. Still showing delinquent and that I failed to pay in XX/XX/2018. I have the final invoice showing that it has been paid in full with XXXX  balance. The account was transferred to XXXX XXXX, did not make it to court. We settled, I paid within 3 months. Around XX/XX/XXXX I  submitted complaints on both XXXX XXXX and XXXX XXXX to XXXX   because they were both showing the paid account as delinquent, not paid. Now all of a sudden my FICO score went down 44 points because now they are rebuffing their efforts to show that I am failing to pay something that is finalized.
I co-signed on a vehicle for my sister back in XX/XX/2016. the car was a lemon and kept breaking down. we returned the car to the finance company : MAS Financial. they falsified information saying they repossessed the vehicle. I had it towed to them as a will full turn over. now they call and threaten with lawsuits and criminal penalties. the change the amount every month and report it to the credit bureau causing my credit to vastly depreciate consistently, and its been going on for over a year taking my score from a XXXX to a XXXX. they have lied to other lenders stating the repo is more recent then it actually is. they continue to harass me on my cell, they've called my employer. its such a nuisance. I feel they are intentionally attacking my credit on a monthly as a way to force me to pay them. please help
On XXXX XXXX 2015 I called Equifax in regards to my dispute results I received. I spoke to a customer service representative in regards to the outcome of my dispute regarding errors in delinquencies on my student loan accounts. Equifax did nothing to fix the issue, only verifying the debt as belonging to me. I submitted documentation to support my dispute. I was told by the Equifax representative that she was unable to read the documentation I submitted supporting my dispute when I was on the phone. I was given no correspondence that the documentation was unacceptable or they had an issues previous to our phone call. The documentation I provided supported that errors existed on my report. Equifax has an obligation to fix these errors, no just verify my debt. I know it belongs to me but there are errors I need fixed.
I have contacted this company on numerous occasion about this problem!! I am not responsible for this collection account! This account was open fraudulently with my personal information and identification. I 've sent in the police report and affidavits that they requested!! This same account was with another collection company and it was removed from my credit!! And now this account is back on my credit with different collection agency!!
On XX/XX/18 I was shopping for a new car. I ended up at XXXX XXXX XXXX XXXX XXXX  in XXXX oregon. I found a truck that I was interested in but had a large scratch on the tailgate and was missing a headrest. I gave XXXX ( salesperson ) my number and told her to let me know if they could repair the scratch and replace the missing headrest and was in my way to look at more trucks. XXXX called me about 15 minutes later stating that her manger approved the minor repairs if I come back to buy it. I returned to the dealer and started the process to purchase the vehicle. After running my credit XXXX informs me that they will not be making any repairs and it is what it is. I told her that was not the agreement and she just shrugged. After getting a manager I was told the same thing we never agreed to that. I cancelled the transaction and will never work with XXXX XXXX again but they have still pulled my credit ( probably several times as most car dealers do ) negatively affecting my score.
House was scheduled for foreclosure auction XX/XX/XXXX. Does not appear that this happened. I just got a letter in the mail saying that I sent Wells Fargo documents allowing another company, the one that has caused all my problems including this foreclosure, to receive information about my mortgage account. I have never sent any such thing to Wells Fargo. Furthermore they refuse to discuss the account, MY account with me. This is as shady as it gets.
Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX Finance XX/XX/XXXX TransUnion XXXX FinanceXX/XX/XXXX TransUnion   XXXX Finance XX/XX/XXXX TransUnion  XXXX XXXX Finance XX/XX/XXXX TransUnion  XXXX XXXX Bank XX/XX/XXXX TransUnion  XXXX XXXX Finance XX/XX/XXXX TransUnion   XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Credit Union XX/XX/XXXX TransUnion XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX Automotive XX/XX/XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Mortgage ReportersXX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX XXXX Mortgage ReportersXX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX XXXX  XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX Auto Reseller XX/XX/XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX   XXXX XXXX BankXX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX  Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it. 

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.
On XXXX/XXXX/XXXX I made a payment to XXXX XXXX. This mortgage was then sold to XXXX XXXX mortgage company on XXXX/XXXX/XXXX. XXXX XXXX does not show that I made a payment on XXXX/XXXX/XXXX, the payment has not be reflected onto my mortgage balance. I have attached my bank statement showing the payment made as well as a statement from XXXX XXXX showing that the payment was received. XXXX XXXX is saying that XXXX XXXX never forwarded them the payment. I have reached out to both XXXX XXXX and XXXX XXXX several times over the last two months and have not gotten any response.
Previously I had rented a small storage unit. The company XXXX XXXX XXXX has been offering a new customer offer for {$1.00} paid for the first month. A week prior to the month ending I received a {$70.00} bill from the company, the manager of the company said that I needed to also pay for the following month, with reluctance I paid the amount. Then closed out the unit and got my remaining things a few weeks latter. Now I am receiving phone calls from Allied Interstate LLC, claiming that I still owe money for the unit. The collection company has called me non stop, and has been using malicious practices to try and collect the debt. The number for Allied Interstare XXXX. The reason I am reporting this is because I believe it is a scam, again all monies were paid for the storage, and considering that the unit was closed out a month and half ago, it seems very suspicious for this company to be calling. Please let me know if you have any questions- Thank you XXXX XXXX XXXX XXXX
Harassing phone calls 6-10 times a day. Different numbers every day wont tell you who the creditor is they finally called from a number that was traceable to find out the were sunrise credit ... they wont stop harassing me. This has been going on for a month. Never sent out a paper notification. Didnt know who there were till I looked at my credit report.
We opened a basic package saving account in citi and were told a minimum XXXX balance should avoid the monthly charge. After two months we found every month we were charged XXXX, then bank said you opened an golf XXXX minimum balance package. If our experience is true, the error is intentional and systematic like XXXX XXXX, try those clients who would not notice their day to day fraudulent behavior.
calls my job ( XXXX ) when I am unable or unwilling to answer my cellphone. unacceptable
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early  warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY
Capital One Auto has refused to delete this fraudulent account from my credit report. They are in breach of contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
I ask for a full validation of debt with bearing signature with XXXX XXXX XXXX, they send me back a letter that they are not obligated to provide the documentation to me that I requested. On they records indicate the application was under XXXX XXXX. XXXX XXXX XXXX verifies the identity of every new customer in accordance with the USA Patriot act. Also they send me a let from a collection agency ( convergent ) attempting to collect on a debt without any validation. Right now they are violating my rights
I was trying to improve my  credit s  core an d disputed a charge off from   XX/XX/XXXX   that was charged off but then paid to  XXXX  in    XX/XX/XXXX .   within the next couple of months I receive a collection notice from  Portfolio Recovery Assoc . saying I owed. I disputed with them and submitted   all the paperwork. They denied it only showing the   XX/XX/XXXX  a mount they did not acknowledge the  21  payments of  XXXX  per month that was reported to the Credit Bureaus. from   XX/XX/XXXX  to  XX/XX/XXXX  . They informed me to take it up with  XXXX  of which I did.   as I am disputing with  XXXX   Portfolio is sending  me more notices that this is my debt. I disputed it again sending it certified this time and once again they will not acknowledge the settlement made to  XXXX . In the process they have put this on my credit of which they said it would say disputing. That was false it is showing as my debt. I was in the process of refinancing my home and have had problems due to their accusations.
I had checked my credit report and seen a couple on there that I never got notice about. I contacted the company and XXXX answered requested validation of the debt he said he did not have to and hung up
Nationstar Mortgage is the servicer of my mortgage. They have been sending me emails soliciting me to refinance. These emails state that my " rate will adjust in XXXX ''. While I do have an ARM loan, it is a 5 year arm originated in XXXX -- my first rate adjustment will not be until XXXX.
THERE WAS INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE IT MADE A HARD INQUIRE ON MY CREDIT REPORT AND NEED TO BE REMOVED BECAUSE XXXX FAILED TO SEND MY PROOF THAT I MADE THESE INQUIRES
I have been receiving calls for several years from Nations Recovery Cente r , Inc.   XXXX .  XXXX   XXXX ,  XXXX  GA,  XXXX ,  XXXX , about a debt that I do not owe. I have repeatedly asked them to remove my number from their list yet the still call.
On XX/XX/XXXX I bought my wife a pearl necklace for {$320.00}. The first time wearing it, the necklace fell apart. The warranty per the jewelry saleswoman was 180 days. It was reported with 90 days regardless. XXXX XXXX credit card has refused to investigate my dispute on more than one occasion despite saying they will investigate and to deduct the amount. But they neither investigate, nor deduct the amount. I really don't know what's going on here. I spend thousands a year at XXXX XXXX, am a Platinum member and cardholder since XX/XX/XXXX. Please investigate.