WillisBack/dataset-financial-user-claim huggingface dataset:
I have an account that is showing charged off written off that is continuing to report with a balance as well as it being included in my utilization causing my UTI to be high on an account that I no longer have. Also each month this account reports as CO=charge off. Under the account history the XXXX is reporting monthly, however the amount is incorrect. The account is showing on my credit report twice with two different balances. There is an incorrect high balance amount. It's also showing past due when that is incorrect. On the Credit Report there is missing information. The terms and monthly payment is not on the credit report.
XXXX XXXX XXXX XXXX, a collections attorney, has pulled FOUR hard inquiries on my Experian file without my permission TO INTENTIONALLY DAMAGE my credit when he could get the same information from a soft inquiry. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
I have contacted XXXX XXXX as it shows on my credit report ) and was told this is now Bridgecrest. I contacted Bridgecrest about verifying my signature on this account OR remove it. I have ONLY received letter after letter for me to send in my personal info as I did/have and still nothing. This has been ongoing for more than 6 months and still no resolve but it still remains on my credit report without verification
We purchased our home as an estate XXXX. The executor of the estate failed to notify the Assessor 's office that the owner was deceased prior to these taxes being paid, therefore the exemptions of {$620.00} were applied to the XXXX school taxes. The unentitled exemptions were then applied to the XXXX XXXX taxes. This extra charge on the XXXX XXXX taxes made the taxes appear to be more than anticipated. However, this is not a tax increase and should not be anticipated towards the XXXX taxes. Caliber home loans is taking this added exemption fee as a tax increase and they are raising my monthly payment {$210.00} in anticipation of this being the new tax amount. I have forwarded a copy of the XXXX tax bill clearly showing the exemption removal fee of {$620.00}, a letter explaining this situation, a tax record information sheet that shows a more realistic tax amount, and the letter showing these exemptions being removed late. The company conducted a review by calling the town and asking what the XXXX tax amount was. I am not stating that the XXXX tax amount should be lower, I am stating there was a fee added that should not be anticipated for the XXXX taxes. The representative and supervisor that I spoke with today both stated that they will do nothing for a one off situation like mine and will not accept any proof other than a tax bill showing a lower amount. I asked if I could ask for a more realistic tax figure from my town hall and they refused this is well. I was even told that their research department only handles paying taxes and would probably not even know what to do with a situation like mine. I feel that it is extremely unfair that I am not even able to prove this discrepancy and am being forced to pay an amount that I have expressed is to high and have proof that is incorrect. Their solution is to pay this unaffordable amount from now until the new tax bill comes out in XXXX and if the amount is less they will refund me. This is not realistic as I do n't believe that I can afford the new proposed monthly payment. All I want is a fair review and an opportunity to pay the correct amount.
OnXX/XX/XXXX consumer entered into a mortgage loan with XXXX XXXX XXXX XXXX. and signed a Note and a Security Deed to secure the same. Thereafter consumer 's note was purchased by PNC Mortgage now PNC Bank. Note payments are due on the XXXX of each month with a 15 day grace period before late charges may be assessed. Consumer has made all payments on the Note timely however in XX/XX/XXXX PNC refused to accept Consumer 's payment claiming that it was less than the amount PNC claimed to be due for the month because PNC had purchased an insurance policy on the property and added the premium to the monthly payment amount under the note. The property was already insured but PNC claimed it had not received a timely notice of insurance coverage. PNC repaid the extra charge after receiving proof of insurance coverage by consumer. Thereafter consumer began receiving notices of late charges following each timely monthly payment on the Note which have continued unabated for the past six ( 6 ) years. Consumer has been contacted and harassed by telephone by the PNC collections department daily at all hours of the day despite being told that no late charges are due under the terms of the Note purchased by PNC. PNC acknowledged that no late charges are incurred under the Note until after the fifteenth day of the month but nevertheless it continues to generate bills for late fees notwithstanding receipt of consumer 's payments well within such fifteen day grace period and continues to harass consumer with daily collection calls notwithstanding consumer 's demand that it cease. The late charges PNC now claims due is in excess of {$5800.00} which consumer does not owe and will not pay. Consumer files this complaint with the CFPB prior to filing a lawsuit against PNC in the appropriate court having jurisdiction.
Repeated phone calls from this company with a recorded message saying a formal complaint has been filed against me that morning. But each day its that morning. I have asked to not be contacted as they can not provide any information to what they are trying to talk about. They want all of my personal identification first and Im not going to give it to them without knowing what they want
: I recently requested my credit report from  XXXX   XXXX  and found that in  XXXX    XXXX   it was reported that I was 30 days late in paying my auto lease. I was not notified about this.     In researching what transpired at that time I remembered that US Bank notified me they had not received my  XXXX  payment. I immediately wrote a check #  XXXX  for  XXXX  and sent it to US Bank for the  XXXX  and  XXXX  payments. Two weeks later I inquired as to whether the payment had been received and was told it had not been received. I immediately stopped payment on this lost check an issued another check #  XXXX  for {$1300.00} for the  XXXX ,  XXXX  and  XXXX  payments which US Bank received.     I do not understand what went wrong with the payment process, but none of it was my fault. I had maintained auto leases  with US Bank for six years an d was never late on any payment I requested US Bank to remove this notation from my credit report. It has unfairly reduced my  credit score an d I would like it restored. They refused to correct this notation to my credit report.
ARS - listing debts I do not owe - asked for validation - they did not provide - these were removed from my credit reports three years ago - Now they all popped up on my reports again - I 've sent them another request to validate - they did not do so. I sent this information to XXXX - they refuse to remove the non validated item for the second time.. - They removed it the first time - once ARS fails to validate and the credit reporting agencies - ( XXXX, XXXX, XXXX ) remove the notation, because ARS failed to validate and violated the law, then how in XXXX do they put it back on my credit report again?!? Can I sue them for this?
CBNA Potentially Negative potentially negative icon show account button Account NameCBNA Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$250.00} Highest Balance {$580.00} Terms NA Payment History LEGEND3030 Days Past DueCLSClosed XX/XX/XXXX Reported annual fee past due. Negative credit in XX/XX/XXXX. 
Called CBNA to report deceptive practice from Best Buy Sales Person and cancelled card. 

Was buying TV and sales person said TV would be a little cheaper by signing up with Best Buy Card. I asked specifically if there was an annual fee because I don't do cards with annual fees. They told me there was not. So signed up for card. Bought TV with reduced priced. 
Paid bill for TV. Then just put the card out of my mind because I hardly ever go to Best Buy. 

Found out I had a negative score in XX/XX/XXXX. Called the credit card company. Found out I had the negative score because of a missed annual fee payment. I then told them my story and told them to cancel the card because I was lied to and that I believed my negative score should be struck because the reason I had the missed payment was because I didn't even know I had an annual fee. I never bothered with paying attention to the Best Buy card after I paid off the TV. 

The sales person at Best Buy flat out lied to me. So I still strongly believe that that negative hit on my credit report should be removed because of deceptive practices conducted by Best Buy employee.
I disputed about 13 transactions on my account dating from XX/XX/XXXX through XX/XX/XXXX. For the total amount of {$5100.00}. The reason why i was disputing these charges is because the merchant failed to provide expected services, Services not rendered and inadequate customer service to resolve any issues. I had initially filed my complaint back on XX/XX/XXXX. I had filed a dispute for all those charges. I was told to wait 7 /10 business days. I waited 10 and called and they stated that they were filed wrong and was filed as unauthorized transactions. They stated the merchant proved the transaction was authorized and my dispute was dismissed. I was angry that they did not file the paperwork properly. So I I filed a new dispute and made it clear t them it was for the services and had to wait another 10days. It had seemed that every person who i spoke to during this whole ordeal that i asked names of and phone numbers all had a different story to tell but nobody had the information correct. After almost a month of filing paperwork they are still not providing me with sufficient evidence in regards to my dispute. So after waiting another 10 Days for the outcome of the dispute is was dismissed again. I had asked why and they stated that the merchant provided evidence that the transactions were authorized. I stated again that my dispute was not for unauthorized transactions and my dispute was for unsatisfactory services etc. I spoke to several customer service reps and told them that my dispute is for services and not unauthorized transactions. The last person who I spoke to her name was XXXX and she stated that they handle both types of disputes the same way. I asked her how can they dispute unauthorized transactions and services the same. She could not provide a good enough reason other then my case was dismissed. I asked her why my case is dismissed when Citizens bank failed to dispute the charges properly. I am not disputing these charges for unauthorized but am disputing for services rendered.
Originally when I got the loan the agent XXXX did n't disclose the payment agreement correctly, she asked how would I like to pay the loan, interest only or paid in full, I said paid in full on the first due date. The company withdrew only finance charges On the due date and then again 2 weeks later costing me {$140.00} more. Then I called to ask why this happened the new agent explained that I was supposed to call back and confirmed after reading notes that the first agent never advised me of this in the first call and upon initial agreement of the repayment setup. She also stated she was sorry and she could help me by taking the full payment today for the total amount due, again with the finance charge a third time. When I asked her if this was her solution after researching and finding the XXXX agent was incorrect in the information given to me upon setup, and she stated yes. And I advised her I would be filing a complaint with CFPB, so she adviced she could Extend my due date to allow me more time, but never did she offer anything to reduce the cost of my fees or the amount of money the company was making off of their mistake. I do feel this was misleading and fraudulent to not give full disclosure of their policy and conveniently raising their profit. I also had attempted to change the payment amount online once before the XXXX withdrawal but the XXXX agent # XXXX, claimed it did n't take and I now have to pay a third time fee of {$140.00}. This {$400.00} loan has cost me {$820.00} due to their lack of disclosing all information. I have scheduled the full payment of {$540.00} to withdraw from my account on XXXX/XXXX/2016 and they are not authorized to take a penny more.
I have been charged {$5.00} to unfreeze my account. Trans Union is not suppose to charge as I live in New Jersey. In NJ senior citizen and people who are identity theft victim are not suppose to pay. Trans Union website also says the same. 
The following are the description and transaction information : 1. Thursday XX/XX/XXXX, I requested unfreeze on my account so that XXXX can have my credit report before offering service at my home. My XXXX card has been charged {$5.00} 2. Friday XX/XX/XXXX, I requested unfreeze on my account so that XXXX XXXX XXXX can have my credit report before extending loan to buy the car. My XXXX card has been charged {$5.00}
Navient has limited options to lower loan payments for students. They students to pay a fee before they help lower your payments. They are unwilling to have a debt to income ratio for lowering your payments. They bully people into making payments they can not afford.
I HAVE RECEIVE SEVERAL ATTEMPTS FROM XXXX FOR BILLS IN THE AMOUNT OF {$130.00} WHICH KEEP INCREASING EACH MONTH DATING BACK FROM XXXX/XXXX/2015 TO PRESENT.MY LAST PAYMENT TO THEM WAS MADE ON XXXX/XXXX/2015 BY CREDIT CARD IN THE AMOUNT OF {$28.00} FOR THE PERIOD XX/XX/XXXX TO XX/XX/XXXX. MY NUMBER WAS REQUESTED BY XXXX XXXX XXXX TO BE SWITCHED OVER TO THEM WHICH THEY REFUSED. IN THE MEAN TIME I WAS GIVEN A FREE PHONE BY ASSURANCE THUR XXXX WHICH GAVE FREE CALLS AND TEXT UNLIMITED STARTING XX/XX/2015. SO THERE WAS NO NEED FOR XXXX SERVICE ANY LONGER. YET THEY CONTINUE TO SEEK PAYMENT FOR SERVICE I DID NOT NEED OR USE. NOW THEY HAVE SENT ME TO COLLECTIONS ( PROFESSIONAL CREDIT SERVICE # ( XXXX ) XXXX COLLECTION AGENCY ACCOUNT ACCT REP PHONE # ( XXXX ) XXXX. I TRULY BELIEVE THEY ARE TAKING ADVANTAGE OF ME.
Incorrect information reported to Credit companies by my mortgage company. I have never been responsible for a late payment of my mortgage. The new mortgaging company reported me late although my bank sent them two letters saying it had not been my fault. i understand they reported me late for a XX/XX/2018 payment, when in fact i made it on XX/XX/2018.
Before I file a lawsuit against Midland my lawyer advice me to try to resolve this amicable via the Bereau of consumer Financial protection. Midland Credit Management Inc. has been harassing me since late last year on my credit reports XXXX. ( XXXX United States XXXX section XXXX ( XXXX ) ). I have been in contact with them multiple times sent certified letters to them as well XX/XX/XXXX. Last letter I received said " Based on the information you provided we have instructed the credit bureaus to delete the above reference MCM account from your credit file. '' But no action was taken my credit report XXXX currently still shows MIDLAND FUNDINGAccount NumberXXXXAccount Type & gt ; Installment & gt ; Terms & gt ; 1 Month & gt ; Date OpenedXX/XX/XXXXAccount Status & gt ; Closed & gt ; Payment Status & gt ; Paid & gt ; Payment Status s Updated XX/XX/XXXX Balance {$0.00} #. Midland violated XXXX XXXX XXXX ( XXXX ) ( A ) by falsely reporting the legal status of the account as " Installment. " #. Midland violated XXXX XXXX XXXX ( XXXX ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Installment. " #. Midland violated XXXX XXXX XXXX ( XXXX ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as " Installment. '' or " terms '' I never entered into terms with them. All I ask if for them to delete this account of my XXXX credit report.
In the past I have tried to modify my mortgage using paid modification companies. After so many attempts to try to get help from Wells Fargo, I decided to find a HUD counselor who submitted a modification request but Wells is refusing to review the documents because of the sheriff sale.
A while back US Bank offered me and extra account for overdraft protection. They told me it would cover my overdraft fees, which they never explained to me it was for under a certain amount, and caused me to owe them. So then I decided to close the extra line/account. I also asked them to not let any transactions go through if I did not have any money. The app is inaccurate and they charged me an overdraft fee and still let me keep making transactions and charged more overdraft fees on top. They refunded me the initial fee but due to that fee I was charged three other fees.
This collector is harassing me at work and stating that I owe {$16000.00}. The loan was for {$3000.00} and I have paid {$2200.00}. I am a single working mom with XXXX children and the XXXX of these people are making it difficult to function for my children. Please help me.
I have recently looked over my credit file and noticed theres negative information reported by XXXX XXXX XXXX XXXX XXXX file # XXXX, XXXX, XXXX. This is kept under my Social Security Number in error. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with the courts and provide me with copies of any documentation associated with my signature In the absence of any such documentation associated with this account, bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
Please note that you have 30 days to complete this investigation as per the FCRA Section 611ca ) ( 1 ) ( A ) and I am keeping careful record of your actions, including your METHOD OF VERFICATION. I do not consent to XXXX or any means of automated verification. 
Failure to respond within 30 days of receipt of this certified mail may result in a small claims action against you in a venue close to my location, and you will be cited to represent yourself there {$1000.00} per violation will be asked for 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of FCRA This is my second letter asking how you  verify. I have enclosed a letter from my Bankruptcy court saying they dont verify by phone or mail they only method of verifying is if you come in person to the court building. Please let me know the person name and phone who goes inside the court house to verify this information so I can personally contact them myself. 

Thank you XXXX XXXX
In XXXX my Grandfather set up an ITF account for me at a Florida Bank. I live in MO. Current balance on XX/XX/XXXX was {$5000.00}. He sent me a letter in XXXX, telling me about this Account. He passed in XXXX. I thought this would have to go thru Probate ( but now I read it doesnt ). After a few years I phoned the bank branch in Florida, where the account was opened. I was told that I would have to appear in person before they would discuss the account. My Grandfathers XXXX copy Lists an Investment Number. The bank representative told me I would need an Account Number, my Grandfathers death certificate, my birth certificate plus marriage license. I called a few years later because I was not able to fly to Florida during bank hours. At that point, bank suggested I come to XXXX, with the requested documents, but without the account number, they would not discuss this account with me. Early XXXX my Financial Advisor called the Florida branch to plead my case. He was assured that if I sent all the above documents, plus a XXXX copy of the ITF acct., they would search for the acct. number. I sent letter certified with all the requested documents, to the XXXX TN location, as advised. On XX/XX/XXXX my documents were returned to me, along with a brief valued customer letter, Stating they were unable to process my account closure request because Please provide account number along with investment number.
We have been in Loan Modification mode with this " Company '' for six + years, paying " interest only '' modifications that must be re-approved every two or three years, or the mortgage will convert to a " Post Modification '' rate of 6.99 %.
Our goal has been to secure a fixed modified rate, based on current conditions, for the life of the loan, and think that six + years is long enough to evaluate a client.
The last offer from this " Company '' as of this month ( XXXX XXXX ) was for another " Short Term Interest Only Modification '' for five years@4.375 % which, again, converts to 6.99 % after the five year term.
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We are tired of having to go through Loan Modification XXXX XXXX with this " Company '' and are complaining about how we have been treated over these past years.
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We purchased this house with a Conventional mortgage, not wanting to get involved with the then XXXX/XXXX stuff going on in the government. Unfortunately, all the programs available for permanent modifications to one 's mortgage due to the " underwarter '' situation created in XX/XX/XXXX-XX/XX/XXXX, are only available to the ones that have XXXX/XXXX  loans, that of course our taxes pay for [ the programs ] and we do n't have access to.
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We think a fair offer, considering all we have been through with this " Company '', and considering the market that the housing " bubble '' caused, and considering our Conventional Loan mortgage, would be at least a two to five year interest only modification at 4.375 % converting to 4.375 % Principle/Int/Tax/Ins Loan for the life of the loan. Consideration would be nice ... .I guess there 's foreclosure
OnXX/XX/XXXX2017 i had requested my credit report from XXXX  and Equifax along with XXXX to see what is on my report. I see unauthorized inquiry i never requested and one is using the same id # under different companies. The company name Equifax Mortgage Service at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX tele:XXXX they are sharing the same ID # with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX tele : XXXX this company has to do with a Car company but again they are sharing the same ID #. Along with again XXXX loans which is located under a XXXX XXXX XXXX XXXX XXXX, Ca XXXX tele XXXX and this same ID # is listed with other companies. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX tele XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX tele XXXX. Now there or other ones just like this which these companies is sharing the same id no # I live in XXXX, Tx I why would i have any thing to do with all these companies from other states. I also have thought that a fraud alert was put on my account form this from happen. I am disable and have vision problem who can help me know that i have this problem on my credit report i do not understand
I asked for a loan modification after finding out I could and was informed that because the sale of my property was less than 7 days out I could do a application but it would not be reviewed. The company never called or sent me any information on doing a loan modification.
XXXX shows inaccurate balance for my XXXX account. Update not done every 30 days which penalized my credit report and credit score. As of XX/XX/2018, the accurate balance is {$22000.00}.