WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  XXXX account number XXXX Date opened is inaccurate : XX/XX/2018 and also Amount Past Due reflecting {$1600.00} there shouldn't be a past due amount on this account due to it being a collection account. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is continuing further collection activity which is a violation of the FDCPA and needs to be removed.
went to trade in XXXX. Contacted XXXX for lease pay off. XXXX gave us the information, paid it off. a few days After that occurred, XXXX sent us a notice and said it was considered a repo because it was an early payoff. XXXX said they were n't obligated to tell us that at the time we traded in the car. Tried to get the XXXX back they would not return the car to us. Had XXXX given us the information in the first place we would have never traded the car in. We did everything right the way XXXX and XXXX told us. XXXX nor XXXX alerted us to this issue. Now they want another XXXX for early lease, and other penalities.
On or around    XX/XX/XXXX ,   my offer to purchase  XXXX   XXXX  was accepted with a loan pre-approval letter from   XXXX   XXXX    for   {$940000.00} at the rate o f 3.65 %. A  few days later when I went to Bank of America to withdraw the funds for the deposit to open escrow, the bank manager introduce me to Bank of America  loan   officer   XXXX   XXXX     XXXX  who pre-approved me with a loan from Bank of America for {$940000.00} at the rate  of 3.25 %.  I submitted the loan application with Bank of America on    XX/XX/XXXX    and followed  XXXX  loan processing instructions.   F or five w eeks,  XXXX  would request for information with very short time line. Sometimes the unreasonable timeline was a short as a few hours. As if  XXXX  expected us to be on alert with his emails and phone calls and dropped what we are doing and responded to him right away.   I have a  credit score  of  XXXX . I have enough down payment and income for the loan approval.  XXXX  even congratulated me and my real estate agent in the later part  of  XX/XX/XXXX  for the loan. On  XX/XX/XXXX , t he Bank of America loan coordinator,   XXXX   XXXX   XXXX   stated that the loan commitment letter will be issued at the latest   on  XX/XX/XXXX  morning.
However, 0n  XX/XX/XXXX  afternoon, my agent and I received a conference call from Bank of America manager    XXXX   XXXX  stating that the loan is denied based on my income to debt ratio. Bank of America sent out a letter of denial confirmation o n  XX/XX/XXXX .    I immediately went to  XXXX   XXXX   XXXX   XXXX   and started the loan application again. In  one month, my loan was approved for the same loan amount with a 4.8 % inte rest rate and I purchased the property and the escrow was closed on    XX/XX/XXXX .
Since  XX/XX/XXXX  t  o now, I have been working with Bank of America to try to understand why my loan with Bank of America was denied. I have been blocked by  XXXX   XXXX  and  XXXX   XXXX   (    XXXX s manager  ) to find out the truth, stating that it is their trade secret. Both of them did not find our why  XXXX  congratulated us on the loan.  XXXX  just apologized for  XXXX  on her verbal loan commitment.  XXXX  claimed that he can not disclose lending guidelines because it is proprietary and internal information of Bank of America. I just want to know the detail why my loan was disapproved rather tha n just one  simple phrase of Debt to income rate : excessive obligation in relation to income.   If this is true, then my loan with  XXXX   XXXX   XXXX   XXXX   at a higher interest rate will not be approved. I feel that the true reasons were the interest rate after the election has gone up tremendously ; I am a senior person and I am  XXXX . I feel that their thinking is no matter what they do to me I have to lay flat and let them bully me without complaint. The damage for the interest differential in the loan from  3.25 to 4.8 % for 3 0 years is in excess of {$400000.00}. My incurred financial damage caused by Bank of America is huge.
XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Debt Collectors : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTN : LEGAL DEPARMENT XXXX XXXX AS TRUSTEE XXXX XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX Re : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX XXXX AS TRUSTEE ( XXXX XXXX XXXX ) Acc # XXXX XXXX XXXX XXXX XXXX XXXX MIN # XXXX Note Date : XX/XX/XXXX NOTICE OF VERIFICATION DEBT Since Select Portfolio Servicing had refused to disclosed the information requested on Notice of Verification Debt., in conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), SPS , XXXX XXXX XXXX , claiming false interest of third party called XXXX XXXX XXXX servicer with the sole intention to defraud, steal homeowners. After the servicer has not being able to provide, disclosed the information requested below, we commanded XXXX, XXXX XXXX XXXXXXXX XXXX to release my property from any lien recorded XXXX county illegally and return the original Note, stolen and illegally seize by Select Portfolio Servicing at its offices in XXXX XXXX XXXX, Utah. SELECT PORTFOLIO FAILED TO VERIFY THE DEBT AND DISCLOSED INVESTOR XXXX XXXX XXXX TRUSTEE ADDRESS, DEFAULT DATE OF THE MORTGAGE AND PROOF OF STATUS OF LIMITATION. 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify XXXX XXXX XXXX TRUSTEE headquarter and agents 3. Default date of Mortgage 4. The agreement bearing my signature stating that I have agreed to assume the debt 5. Valid copies of the debt agreement stating the amount of the debt and interest charges 6. Proof that the Statute of Limitations has not expired 7. Complete payment history on this account along with an accounting of all additional charges being assessed 8. Commission for debt collector if collection efforts are successful. 9. Any insurance claims been made by any creditor regarding this account. 10. Any Judgments obtained by any creditor regarding this account 11. Show me that you are licensed to collect in my state ; and 12. Your license numbers and Registered Agent 13. Explain Select Portfolio Serving 's misconduct and conspiracy to defraud client with two ( 2 ) different default letter XX/XX/XXXX for {$110.00}, XXXX and XX/XX/XXXX for {$230000.00} in less than a year. Both Demand letter/Default letter has a serious fatal error, also failing to state the date of Default date of the Mortgage. Your SELECT PORTFOLIO SERVICING AND XXXX XXXX XXXX AS TRUSTEE office failed to disclosed information of this debt validation letter since XX/XX/XXXX. This account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect or foreclose on the said Mortgage must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt/mortgage against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXXXXXXXXXX
This collections agency has called several times and hung up. I have been in contact with the collections agency and scheduled payments, but they still call and hang up. I 've asked them to make a note on my account that my payments have been scheduled via EFT but they continue to call, and when I answer, they hang up.
I paid an account with XXXX XXXX XXXX. I submitted the paid receipt to Equifax ( attached ) and they left the balance on the account. This is a violation of my rights under federal law.
On XX/XX/XXXX I wrote a check to XXXX XXXX for the amount of {$24.00} It was converted to an ACH. I had at the time in my account {$24.00} I thought at the time I had XXXX but I was wrong. There was a debit to my account I was not aware of until I received the notice of the returned check in my email.for {$14.00} I do not have overdraft on this account, ( and the check would not have cleared any way but it is important to note this as an oversight on my part and not a blatant move to de fraud a merchant ) the check was sent back, when I saw what had happened I called XXXX to find out what I needed to do, they told me I would have to contact XXXX, I called XXXX on XX/XX/XXXX at XXXX XXXX  Cenrtral time and the agent told me after searching for several minutes that she found the check and asked me if i wanted to pay it today I agreed she said it would be {$49.00} I agreed to pay it when she put the card number in the system she said the check was currently being sent back through and I could not pay it over the phone she then stated I would still need to pay the XXXX return check fee though. I argued and hung up today XX/XX/XXXX they have attempted to debit my account for XXXX on behalf of XXXX stores but I did not have that much in my account. 
I am asking if they can continue to attempt to debit my account without my authorization, and If I must pay a return check fee for a check that cleared upon re deposit?
Earlier in XXXX someone changed my address and received my XXXX check then deposited it into her sole bank account at which time she was credited the money. The bank was made aware of the situation and still in XXXX XXXX the bank has not returned my funds to me.
Navient ( formally XXXX XXXX ) is a nightmare of a company to work with. When I first signed up with them back in XX/XX/XXXX, i was told that I would be eligible for a payment plan after i was done with school and the grace period had ended. After my Graduation in XX/XX/XXXX, I was then told I was INELIGBLE for any of their payment plans. I was a new college grad, still looking for work, and I was being billed {$700.00} for my first payment. I tried to tell them I was unable to pay that much, and was told there was nothing they could do. I was only able to make {$430.00} dollars out of the {$700.00} after taking up private work commissions to help make the money. My next bill was almost {$900.00}. due to the late fees, interest, and the new bill. 

I called crying, telling them I was an XXXX for hire ( considered unemployed as i did not meet the requirements ), looking to additional work and unable to make such large payments so fresh out of college. I was against told I was ineligible for the payment plans they offered. I was offered some payment plan I never saw advertised that required me to pay {$120.00} for the first XXXX months and then would be {$370.00} thereafter. I took it, but that still proved too difficult, Since they had split my loans between XXXX sides. XXXX having XXXX and Navient with the others. I was told that If I missed even XXXX payment, the plan was then null and voided. I unfortunately fell on financial problems. Despite paying the loan the next day once I received the money, i believe i was taken off the program, and my payments are once again on the rise past what I can manage. 
I was never informed I could ask them to allocate each payment. I was never told that i could relieve my co-signer, they have lied to me about being able to receive and affordable payment plan, and despite my informing them several times about my unemployment, they have chose to ignore it and keep raising my payments. I no longer know what to do as I feel i have exhausted all options.
XXXX ( XXXX ) XXXX ext XXXX Following several disputes with the credit bureau ( s ) ( TransUnion and XXXX ) and phone calls to XXXX, neither of these agencies can produce any proof this account is mine, tell me what it is for, or produce any signed document correlating me with the account. In addition upon connecting with XXXX, first they stated this is a medical bill ( I never received medical care ), then it was for tuition reimbursement ( never received tuition payments ), then it was for school reimbursements. To date XXXX can not produce a single document correlating me with the proposed amounts owed.
I have disputed a few items on my credit report however it keeps coming back as verified. 

XXXX XXXXXXXX XXXX Also a lot or inquires In XXXX i spoke to a police officer they gave me a police report I called all 3 beaus with the report number.

I was told it would take 5 bus days its now XXXX.. the bearus said that it came back verified. not that they verifed what was " verifed '' on top of that i have a enormous amount of inquires that are still there. The Poeple just keep running my credit over and over ..it was so bad they transposed my soc sec giving a me joint file for a long time and no one know Ive now submitted my police report to you guys
I was purchasing merchandise from a private seller named XXXX XXXX he informed me that he had Wells Fargo banking and to transfer the money through XXXX which is by Wells Fargo customer. I sent XXXX XXXX {$400.00} thats went through and I never received my merchandise. I have not been able to get ahold of Mr. XXXX at all. XXXX also stated that he has a Wells Fargo account. I contacted Wells Fargo to disput my issue of being scammed and asked for a refund and they told me they can not. XXXX XXXX scammed me for {$400.00} and Im requesting a refund.
CMRE Financial Services was reported to my credit in XXXX of XXXX. I have never received a letter or notice that this debt existed giving me the opportunity to dispute it before it was reported on my credit. I have not been in a hospital in years. It also appears that this {$59.00} debt is for a hospital in California.I live in Alaska and could not have incurred this debt.
I signed a contract with XXXX XXXX XXXX on XX/XX/XXXX. The contract was for 36 months and it was checked with a NON-RENEWAL AGREEMENT. After the 3 years, in XX/XX/XXXX, I was done with the gym and thought that was the end of it. But XXXX XXXX   XXXX wanted to keep charging me alleging that it was a 48 month contract. After sending evidence proving them wrong they stopped calling to harrass me. But 2 years later, in XXXX, I got harassing calls from Genesys Recovery debt collector. I explained to them that they were mistaken and that my case had been resolved and that I paid my 3 years as stated in the contract. But they kept on harassing me over the phone and never gave me written notifications that I demanded from them so that I could see what prove they had that I owed XXXX XXXX   XXXX any money. They stopped calling again after I sent a copy of my contract, again, to XXXX XXXX XXXX. On XXXX I began to get calls, once again, from Genesys Recovery employees. The last call I got was on XX/XX/XXXX, it was from a men stating that he was and employee from the Department Of Justice saying that I had been sued by Genesys Recovery for breach of contract. It was very strange that this person called me on a Saturday from a cellphone and didn't give me his name. I thought to myself that this wasn't the correct procedure to inform a lawsuit. When the men asked me my postal address I hanged up because it became obvious it was a scam. I called the Department of Justice on XX/XX/XXXX to inform them of this situation, that someone was impersonating a public government employee and they also verified that it was all lie and that there wasnt any lawsuit against me. The lady told me a government official would never call anyone to inform a lawsuit. I hope others can benefit from my experience and that the CFPB can help in this matter.
Transunion received a letter from creditor that account has never been late then the creditor changed it back I have called and argued for six months and transunion will not provide any documentation ( XXXX   XXXX Account ) Opened 2018 ending in XXXX And a Bankruptsy is reporting in Public Records and no proof has been provided as required by law
My auto finance company which is Capital One Auto has me paying {$36000.00} as of today for {$15000.00} car Plus {$4000.00} which remains on a 12-month plan in which they are only giving me 8 months because of the maturity date of the loan because I've had the vehicle since XXXX it is now XXXX and I still have 8 months to pay and at that point I have to pay whatever cost that they're saying is a balloon payment I was targeted and mislead by Capital One stating that they were interested in lowering my interest rate because I was a good customer and unknowingly I agreed because they offered me a lower payment and they said that my credit was the reason why they were able to lower my interest rate but they never told me that they were extending my loan for an additional 2 years and that I would have to pay a balloon at the end of XXXX. I currently owe {$4300.00} on a vehicle that isn't worth XXXX and if I pay the XXXX Plus interest that would have me over {$40000.00} when the initial sticker was XXXX XXXX I paid on average {$480.00} monthly for 4 years at 21.9 % and was offerd 17.9 % at a monthly of XXXX for 3 years on a car i agreed to pay XXXX for i was lied to taken advantage of just because i had a poor credit score i understand its harder to be trusted but ive never defaulted and still trying to do the right thing while being completely being mistreated I feel as though be practices that they used to bait me into extending the terms is unacceptable please help thanks
I contacted the credit bureaus on multiple days and advised them that I had inquiries on my credit report that I did not authorize. They told me that I would need to get ahold of the companies and dispute with them. I advised them that I have contacted the companies multiple times and they have no record. I have asked for validation of these inquiries and have not received a response. I want these inquiries off of my credit report NOW. This isnt fair to me because it may not be a big impact but there is an impact and its hurting me.
Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX  XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.
I had few accounts with Barclaycard US and called them in to get my accounts closed. They then asked me to stay on with their company, in exchange for a retention offer, which they promised to put bonus points on my account, after some different charges I will put on my account. so I stayed on with them. However, I soon realized this was a gimmick, and they did n't even give me the chance to do so. it was just for them ; to be able to suddenly close it without notice, instead of me doing it, and to get it reported on my report as closed by credit granter, which is decreasing my credit score significantly. When I questioned them as to why they decided to grant my request to close it? their answer was since I drastically want over my credit limit. This is odd even if I would 've not have paid, as with every other bank either they do n't allow you to overcharge, or it 's no issue, especially weird of course after I paid already almost full balance. All this happened only after I warned them I 'll start litigation against them. since they were refusing to send a mid cycle update to the credit reporting bureau about a very large payment I made on the account right after the statement closed with a high balance, which is ruining my score as well. Despite the fact, that they did update right away the closure of my account done by them, even though it was still open on the closing date of the statement. They are not acting in good faith as every other bank would 've done to send an update to the bureau, even after I advised them of the damage it 's causing to my report having a large balance. They are also refusing to rectify the reporting as closed by consumer. I had a very big lost by using their cards above other companies, especially that they are not allowing me to redeem the rewards I legally errand by using the card and paying for it. In the past they also once in error stopped a check sent to me causing me damage. NEVER SEEN A BANK BEING SO STUBBORN NASTY!
After the XXXX hack I tried to freeze credit at the XXXX major agencies. 
I was able to quickly freeze at XXXX and XXXX but not at Experian. 
I used the online links I was given for the XXXX agencies. I tried multiple times but was unable to freeze credit. What should I do now? it is my credit and I can not freeze it? 
-XXXX XXXX XXXXXXXXXXXX
Hello, I have 3 hard inquires on my credit report without my authorization. 
The names of the companies and dates of the inquires in my credit report are : XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX
We have had a personal loan through Sofi for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XX/XX/XXXX, we received notification that the XX/XX/XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XX/XX/XXXX ) we requested a ONE time credit suppression from Sofi. We feel that our request is reasonable but Sofi is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.
It's Fraud and should be handled as fraud for the inaccurate 's which are all the hard and soft inquires I haven't applied for any application 's so all of the hard and soft inquires are fraudulently on my XXXX and TransUnion and XXXX Credit Reports by my mentally XXXX adult son who applied for application 's which cause buniesses to do hard and soft inquires all are of his fraudulently applying on application as me my mentally XXXX son mental XXXX hurts his reasoning and judgement he doesn't know due to his mental XXXX that my name and social security number and my XXXX  and TransUnion and XXXX   credit scores are my own and only for my use due to his mental XXXX hurting his reasoning and judgement I don't want to pursue criminal charges or law enforcement presents on the matter of fraud of the fraudulent use of my name and social security number and my XXXX and TransUnion and XXXX credit report and scores
I was approved by Keep your Home California for a principal deduction up to XXXX, but my bank op not to participated. I 'm a single mother of XXXX and and take care of my of XXXX grandchildren due that their mother abandoned them, my son their father is currently in a XXXX XXXX in XXXX, & my XXXX mother - I 'm trying to make my monthly payment. I bought at the wrong time back in XXXX right before the market crashed in XXXX XXXX, and my payments keep going up, that I ca n't afford. I want to stay in my house, but if the bank will not help. I will be force to move and no where to go. Please help me stay in my house. I have applied for a modified loan and the bank said I do n't qualify for another modify. I 'm sure there is something out their that I can qualify for. Please help me stay in my house.