WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced my mortgage using contour mortgage. My current mortgage company sunwest mortgage gave contour a payoff on XXXX XXXX. I signed the closing papers on XXXX XXXX, 2016. I have my monthly payments directly come out of my checking account every XXXX of the month. I was advised by sunwest to cancel my XXXX payment threw my bank due to the signing which I did. XXXX also calculated per dime payments into the final payoff which would bring the payments current from the date of requested payoff until XXXX XXXX when the payoff check was received. I received a letter from sun West stating my loan has been paid in full dated XXXX XXXX. I am now receiving phone calls from sunwest stating I need to make a XXXX payment. Both myself and contour mortgage have documents paying the loan in full and do not believe I owe a XXXX payment because of that.
I received a loan from Coastal Credit LLC. I was in an accident where my car was totaled by a drunk driver. the total amount owed on my loan was {$11000.00} ( i have submitted my loan paperwork from Coastal Credit LLC ). XXXX paid {$9000.00}, GAP insurance paid {$1600.00}. The taxes remaining on my loan was {$570.00}. Coastal Credit LLC is reporting that I owe {$2900.00}. The only amount I owe are the taxing remaining of {$570.00}. 

XXXX ( PAID ) XXXX ( PAID ) GAP:XXXX ( PAID ) Taxes:XXXX ( UNPAID )
Hello, I am having a problem with Capital One. I had called them mid XX/XX/XXXX to advise I would be late on that payment and to ask if they would reverse any late fee as a courtesy as I 've always been on time. The CSR I spoke with I believe was XXXX advised me to call back after the payment had been posted and the fee ( {$27.00} ) would be reversed. My payment is due on the XX/XX/XXXX of each month. I made a {$50.00} payment on XX/XX/XXXX. I waited a few days and it had not been removed. I called once again on or around XX/XX/XXXX and still no credit. My account would have been current with payments. Once again another call made and I spoke with XXXX. He told me that someone " would look in to it '' and get back to me. I told him that all I wanted was what the first rep assured me would be done and that late fee would be waived. Instead they just keep piling on fees and this is becoming very frustrating and upsetting. I 'm XXXX years old with health issues and feel they are just practicing very poor business skills. I made my XX/XX/XXXX payment on time ( XX/XX/XXXX ) for {$50.00}. Now, the automated system is telling me I owe {$100.00}!!! It should be {$47.00} due for the month of XX/XX/XXXX. At this point I feel I 'm facing a losing battle with them. Just keep racking up deceptive fees. I 've always made payments on time and have tried to resolve this over the phone to no avail. Please help me. Thank you, XXXX XXXX XXXX
I am a victim of dual tracking . Ocwen forclo sed on my home while being reviewed for a modification
After going through a two week process to clear my name with Bank of America, I decided to bring my other company over as well. After opening XXXX accounts, I went to fund them only for them to be shutdown due to the internal issue which I thought was resolved. They put all XXXX on pending close. When I called I found out the tax ID for my LLC has been attached to the internal file to be blocked. The same internal file that was overridden for my personal accounts and my corporate account which is currently in good standing. I have a merchant account and XXXX business checking accounts for my corporation and this issue should not be happening.
On several occasions including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested Transunion send me copies of the original documents I signed with XXXX XXXX XXXX and XXXX XXXX. Under section 609 of the Fair Credit Reporting Act, I am to receive these items within 30 days or any disputed items is considered UNVERIFIED and must be deleted.

Transunion has never sent me any documents from any requests I have asked for. According to the FCRA, Transunion must have copies of all original documents in their files. At a consumer 's request, copies should be sent to the consumer within 30 days.

At this point Transunion has violated the FCRA and has not verified the above accounts and they should be removed from my credit report.
On XXXX XXXX, 2015, Bank of America, XXXX XXXX Branch gave my checking account information XXXX XXXX XXXX XXXX. Despite having a written policy against allowing anyone to deposit money into my bank accounts. Bank of America willfully violated it 's own policy. I have XXXX previous open complaints against Bank of America for violating this policy.
I have written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of  documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan, credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about XXXX, Experian, and XXXX Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself XXXX XXXX XXXX.
I contacted this company via XXXX mail requested validation of the account, the debt and the information that they are reported to the credit bureaus which is inaccurate. I have disputed this account and the information with the credit bureaus and they reported back to me that the information is correct. I would like to know how is the information correct when I know for a fact that it is not and the company has not responded to my request to validate their claim. For XXXX, I am not in a Chapter XXXX bankruptcy and this account is currently reported as a negative account that is in bankruptcy on my credit files. This account was opened in XXXX, in which it is to old to be on my account, especially with negative in accurate information being reported. They never gave me a chance to dispute their claim as well, especially with it being negative information. All of my loans are consolidated with another lender and they are up to date and current, it 's not fair that these accounts are listed as negative on my credit file with inaccurate information in which the company can not and or refuse to validate with competent information. I would also like to know what type of evidence or validation the credit bureaus received in their investigation that verifies that their claim is accurate.
There are two credit checks on my report to chase bank that I did not request. 
XX/XX/2017 XX/XX/2017 I dont know what other info you need to research, but chase just brushed me off. I just want them off my report. 

Please help. 

Thank you.
A fraudulent check, wich I didn't know it was at the time, was deposited into my account and caused a negative into my account now because of this I no longer can not do business with my bank.
I have leased a vehicle XX/XX/2015 from an authorized dealer in the state of Nevada for a lease purchase of XX/XX/2015 XXXX XXXX for the total amount {$63000.00} and the lease for 39 months payments payment amount each month {$980.00}. After one year making payments requested a buy-out amount and the information received for the buy-out total {$63000.00}. I called Ally auto asking why is the buy-out same the original purchase price? There answer was the payment paid does not deduct from the lease amount. This was surprise to me and the lease residual is at 49 % of the purchase price which the lease payment considered as a rent payment. I 've had leases with other banks and never experienced this before which each payment you make it does deduct from the purchase price. Ally is refusing to correct based on the guidelines and lease practices. I am not able to exchange the car for a better lease terms and by trading the car for another lease loan I will be in upside down situation. Could you please help with this matter?
This is a complaint against AFNI and XXXX. They are both reporting a debt on my credit report that is not owed. I have a letter stating that they removed the amount. It has bot been removed and I have contacted them and disputed it several times and its still not removed from my credit report.
Procollect contacted me in reference to a settlement. I was advised that I could settle my debt for {$500.00} .I advised that I would be able to call her back ... .When I called back Ms. XXXX placed me on hold when she returned to my call she advised that she would not be able to take my payment. After she promised that she previously could I because I do not know collections tactics then asked my sister to assist me with the call .I advised that I gave my sister permission to speak on my behalf. They refused to allow her to assist me with the call then we were again disconnected. 

I have been verbally abused and consistently disrespected.
I had a Citicard DriversEdge card on which I had accumulated hundreds of dollars in credits for a new car. While living XXXX, they blocked my access to online payment. I tried to pay but they quickly cancelled the account and that gave them the opportunity to cancel my credits also. Since then, they turned it over to a collection agency. I made a deal with the agency to settle the account and sent them a check, which they cashed. They then apparently sold the account to another agency, which is bothering me for this money, and they did n't report the account as closed to the credit agencies.
MIDLAND FUNDING LLC, HAS CONTINUED TO VIOLATE MY RIGHTS BY THEIR CONTINUING TO CALL ME EVERYDAY WITHOUT RESPONDING TO ANY OF MY REQUESTS FOR VALIDATION. I JUST RECEIVED A CALL FR OM ONE OF THEI R AGENTS STATING THAT " THEY ARE GOING TO FILE A COURT CASE AGAINST ME.   THIS IS NOT MY DEBT!
I am not sure if this was obtained in store or online or of the amount at this time. I am continuing to receive harassing emails stating they are filing a arrest warrant and threats of being referred to an attorney. I have responded and noted that a complaint was being filed and not to contact me any further. 

Email address : XXXX Company : XXXX XXXX, XXXX, WY XXXX
On XX/XX/XXXX I requested my free Annual Credit report from Equifax via the Phone at XXXX where my request was accepted, specifying that the request would be processed to be received within 3 to 4 weeks. I submitted that request using my Home Phone Number from my Home both of which have been the same for the last 15 years. As of XX/XX/XXXX, I have received no response from Equifax. 

Once again, Equifax has not provided the Free Annual Credit Report which they are required to provide by law. This is a repeat of the same problem I encountered XX/XX/XXXX, ( Case Number XXXX-XXXX ) as well as the year before in XX/XX/XXXX, ( Case Number XXXX-XXXX ). For some reason, Equifax seems to be denying my access to my Free Annual Credit Report. 

I need that Credit Report so that I can review it for any potential problems. Please advise. 

Regards.
Family Member ob tained loans fraudulently, has subsequently been  XXXX  and is   XXXX   a   XXXX   term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.
I logged onto annualcreditreport.com to request my free credit report. I filled in all of the required information and they told me they would not give me the report. No explanation was provided. This is the second time they have done this. The other agencies provide the report without issue.
I requested that the XXXX credit reporting companys take off the reporting bankruptcy. I first filed on XXXX XXXX XXXX, but did not go on with it.It was dismissed But they keep reporting it like it still has happened. Also the same thing happened on XXXX XXXX. XXXX has reported XXXX different bankruptcy when none of them should be reporting at all. 
I have sent the XXXX companys copys of the dismissal letters but they seem to just keep reporting the same. I have been looking to get a home for my family, but cant because this is on my report.I also have multiple inquiries on my report that I would like to be removed, because of the bad reporting. please make them take this of my report. 
thank you for your support XXXX XXXX XXXX vet.
Don't do as XXXX XXXX XXXX, rushing to file lawsuit. I need more time and making progress to solve my financial problems. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.
I filed XXXX disputes with Rushcard aka UniRush LLCThis on XXXX XXXX, 2015. I was told that it would it could take 45-90 days to see the money. I called back in XXXX and was informed that I had to wait an extra 30 days making it 120 days to wait. Today XXXX/XXXX/2015 I have yet to get my money back. I have been calling the company for 3 weeks now. Today XXXX/XXXX/2015 I called and was been hung up XXXX times by representatives and Account specialist. I called today at XXXX and held for an hour. Then I speak with the Account specialist and give the dispute XXXX #. She tells me that she is n't going to put me on hold just on mute. Then she puts me on hold and never came back and the call disconnected at XXXX today. 
This is crazy waiting 120 days and still no money. Being hung up on and receiving emails saying the situation has been resolved. Which is clearly a lie not true. I do not desire to be treated this way pertaining to my money. All this for just {$35.00}.
My complaint is about the overall scam of credit bureau reporting. 

Can someone explain to me why having someone check my credit lowers my score? Does it mean Im likely to miss a payment? Does it mean Im about to overextend myself? Does it have anything to do with all of the hundreds of creditors Ive paid in full over 30+ years of having credit cards, student loans, mortgages, or other types of reported debt?

No it doesnt. So why is the score impacted?

Credit reporting bureaus having massive differences in scores??? Why??

Why do only 2 agencies show up on the scores? TransUnion and XXXX? What happened to XXXX?? 

Credit reporting also different for differing situations? Why is my score different for credit card application, home loan info, auto loan? There should be one score and one score only!!!! The score I see should be the same one a creditor sees. 

Its like the housing market scam network in this XXXX country. Why is there a different appraisal price for 1 ) purchase, 2 ) refi, 3 ) just a personal I want to see what my house is worth ( this always confuses the appraisers ), or 4 ) a relocation appraisal. Why are they all different? Its the same XXXX XXXX XXXX house !!! 

Credit bureaus are the same scam. Why is what I get as a consumer so different than what a bank sees??? 

It is so disgusting and fraudulent.
I formerly requested that both XXXX and TransUnion remove derogatory information from my credit report. I also have paid a company to clean up my credit and they have sent paperwork disputing my " Public Record '', that I have a tax lien. They verified a lien, but it was the wrong lien. I have had 2 liens on my credit since XXXX. A federal tax lien in the amount of about {$18000.00} or so, may be higher, I am not sure. I never paid that lien, and it fell off my credit report in XXXX. Also, in XXXX, we were told that the state of Alabama had put a tax lien on us for the amount that is being reported currently on my credit report. A STATE TAX LIEN, not the Federal one that is already off. I submitted documentation to show that the STATE TAX LIEN was RESCINDED!! That means that it was never supposed to even exist. It's been rescinded by the state, and when you call to verify the STATE TAX LIEN, they will tell you there is no record of a tax lien because it was RESCINDED!! I have provided documentation, and they claimed to have removed the tax lien from my credit report, but that didn't happen. It was not removed. Both XXXX and TransUnion, as of today, XX/XX/XXXX, still show that I have a tax lien on my credit report. ( See attached ). I want both companies to remove my tax lien, and put me in the position I should be in.
As part of a {$390.00} annual fee, the XXXX Rewards card through Chase bank offers certificates for 2 free night stays. I attempted to use them on three different occasions and was told that there were no rooms available for free night stay. On each occasion there were the least expensive rooms available at the property but was told the free nights were unavailable. On two occasions, the city I was attempting to book a room had XXXX XXXX hotels but rooms for free nights were unavailable at each, so I really attempted to use the certificates a XXXX different hotels. I feel like this has been classic " bait and switch tactic '' with no good faith on the part of XXXX to honor the certificates. Additionally, Chase Bank is unwilling to do anything in order to attempt to resolve situation, saying it is up to XXXX. I reminded Chase that they were the ones that collected the nearly {$400.00} annual fee. They are unwilling to refund the annual fee.
I reserved a cargo van from XXXX to move from XXXX California to the XXXX area. Originally I made the reservation for one week not knowing how long it would be needed. After the first week expired I called their hotline to let them know I would need it a bit longer, they said no big deal. Thinking everything was fine an dandy I kept the vehicle for another week ( apparently I was wrong ). I received threatening phone calls after the next week stating " the vehicle must be returned immediately or we will notify police and have you arrested ''. Mind you I was still in the XXXX XXXX with limited cell reception. I rushed my way back to the nearest airport in CA. I returned the vehicle as soon as possible. A few weeks later I received an outrageous charge of nearly {$4000.00} for a rental that should have cost {$500.00}. XXXX has been known to commit this type of fraud in the past, previously they've had to pay millions of dollars in settlements for these sorts of crime. It is very disheartening to see that these types of things are still happening till this day.
snaac is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX 2011 and that is untrue. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XX/XX/XXXX and and XX/XX/XXXX they would not listen or try to resolve. I have also been threatened by this company to take all my property in court and they also continued to contact me and family members after I stated not to contact me
I recently applied for a mortgage and found out that this haed inquiry is on XXXX report as of XXXX/XXXX/XXXX. I contacted bot XXXX and the agency and neither are willing to help. they pass the ball to each other so no one is responsible. on XX/XX/XXXX I faxed a request to have removed and my report was updated that the inquiry will be removed XXXX/XXXX/XXXX. This FRESH report from XXXX/XXXX/XXXX shows its still on there but set to come off 8 days prior? I need removed Immediately
MEDICAL DATA SY STEMS I  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  IN REGARDS TO ACCOUNT  XXXX  THE FOLLOWING AGENCY IS NOT BONDED IN THE STATE OF TEXAS AND CAN NOT LEGALLY COLLECT SAID DEBT.    MEDICAL DATA  SYSTEMS I, ADDRESS THAT IS PROVIDED ON CREDIT REPORT DOES N'T EVEN MATCH TO AN ACTIVE BOND IN THE STATE OF TEXAS.   PLEASE REMOVE FROM ALL  XXXX  CREDIT BUREAU AND CONFIRM THAT DEBT IS NOT OWED.
Initiated loan refinance with amerisave in XXXX 2015, it is XXXX and loan is not closed. My credit my ability to pay and documentation have been provided. The damage to me financially by not closing in a reasonable amount of time ( I consider XXXX days XXXX is at {$1200.00} and counting. This company has now restarted like this is a new loan asking for all same docs already provided and running a hard push on my credit report and ordering a XXXX appraisal on property. I think I am being scammed the interest rate I locked in XX/XX/XXXX is not offered I ca n't move on to another lender because of application fee and appraisal fee I have already been charged and I am not willing to forfeit. 
Please advise
Sent evidence that a collection was closed or sold and requested a method of investigation for the original request sent out on XX/XX/2019. On XX/XX/19 Experian sent me a letter that there investigation was complete and the items I requested to be investigated was not removed or no method of there investigation or proof was attached. Please see attachments to this complaint including USPS tracking numbers and there letter they sent to me today. Experian is clearly in FCRA violation and performing deceptive business practice.