WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced my vehicle with XXXX XXXX XXXX, signed contract date of XX/XX/XXXX. I returned all of the properly signed documentation required to them via XXXX on XX/XX/XXXX. 

Through a credit monitoring service I found out that my credit score dropped 78 points due to a " missed payment ''. My score went from XXXX to XXXX. I have worked diligently on building my credit up and have NEVER missed a payment. 

Through research I found out that Exeter, my previous auto loan lender, was reporting the late payment. I have never been late on a payment the entire time I was financed with them. After further research I found out that XXXX XXXX XXXX sent in the payoff EXTREMELY LATE on XX/XX/XXXX. I had already made my first payment on my new account to XXXX XXXX before they even sent in the payoff to the old company. ( I attached the USPS tracking XXXX showing when they mailed the payoff. ) I called Exeter and they are unwilling to remove the late payment. They advised me to contact XXXX XXXX to get it straightened out since they were the ones that sent in the payoff late. 

After 6 calls to XXXX XXXX I am now filing a formal complaint. XXXX XXXX will not take responsibility for sending in the payoff late. They advised me every time that I called that it is MY responsibility to get Exeter to remove it from my credit report. On 2 different occasions I was told a manager would contact me. Finally a manager called to get the whole story and said he would get with his people and call me back. That was XX/XX/XXXX and I have not heard from them since. 

This late payment needs to be removed from my credit report since it was beyond my control and absolutely not my responsibility or fault.
I'm in the market for a home, so recently i pulled my credit report to see what my score was and i see items on my report that are not mine. This is completely unacceptable and totally embarrassing. I need these items removed from my credit report. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX/XXXX. I have also contacted my city police and contacted the FTC as well.
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting unknown inquiry information from dates XX/XX/2018 - XX/XX/2018 that I didn't legally authorize. They're illegally allowing companies to run my credit without approval. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
I had 9 loans with XXXX XXXX that were serviced by XXXX XXXX for my XXXX  degree. I had 1 loan that was serviced by XXXX XXXX for my XXXX. The 9 loans have a first of the month due date and the 1 loan has a mid month due date. The 9 loans were transferred from XXXX to Nelnet in XX/XX/XXXX. The 1 loan was transferred to Nelnet in XX/XX/XXXX. Nelnet has now combined all 10 loans into one account with a first of the month due date. I have asked them to separate the loans back into two separate accounts so they can have separate due dates. They have refused to do this citing internal policy. I have contacted them twice to resolve this : XX/XX/XXXX and XX/XX/XXXX.
Getting repeated calls on cell and at work from an unknown source not willing to disclose pertinent information. When the calls started derogatory information was placed on my credit report.
On XX/XX/XXXX I sent a dispute letter to Portfolio Recovery Associates regarding an account with XXXX XXXX who is listed as the original creditor. Within the letter I requested validation of this debt by providing me with the original application and/or contract from XXXX XXXX that outlined the terms of fees, interest, etc. so that I could confirm that the dollar amount stated as being owed was in fact assessed from the original creditor and not the collection agency who is currently attempting to collect. I also asked if the contract/application from the original creditor could not be provided that they provide me with a copy of any agreement the collection agency has with me verifying that I agreed to pay them the debt of record and/or the original creditor. In addition, I also asked for them to verify the date the debt was acquired and also if it was assigned or purchased and to which credit bureaus the debt was being reported. I received none of this information from Portfolio Recovery Associates and upon contacting them via telephone on XX/XX/XXXX I was told by a supervisor that they do not have a contract or application on file or record from the original creditor and that even if they did they do not send this type of information to consumers which is a complete falsehood. In addition, I was informed by the same supervisor that this account was not assigned to them by the original creditor of record and was actually purchased and acquired in XXXX of XXXX. In my original letter to the collection agency I alerted them that in the event of noncompliance, I 'd reserve my right to file charges and/or complaints with appropriate county, state and federal authorities for violations of the FDCPA/FCRA. I feel my rights are being violated and there are some unethical practices and procedures being utilized as it pertains to my particular situation and I am in need of additional assistance. Your help in this matter would be greatly appreciated.
I was just made aware that Greentree is seeking settlement of deficiency that occurs following the foreclosure sale of my home vs. the amount owed. I have not received detailed information on the deficiency and was being asked to settle the deficiency. I asked for a reduced settlement amount and also asked that they provide more detail before moving forward. I 've researched that in the State of MI, a borrower 's deficiency is capped at the FMV of the home. I was not made aware of this during their call. They said they will be sending me information in the mail. I also am not happy with the denials I received from them during the short sale process. They ended up selling the home for an amount less than what they were willing to negotiate with me ( via short sale ). I 've attached an email from my realtor that shows her surprise at the pending sale price.
I have an existing complaint on this mortgage company, Nationstar, my case number is # XXXX. The status of my compliant is being investigated and according to the letter attached by Nationstar they expect to have a resolution by XXXX XXXX. Here is a direct quote from that letter '' Please be advised that at this time, we are still reviewing our call and payment records to determine if refunds can be issued. We apologize for any inconvenience this issue may have caused and appreciate your patience. Please be advised your new expected date of resolution is XXXX XXXX, 2015. " Funny I just signed for a XXXX delivery and its from Nationstar, it is a ( NOTICE OF PER-FORCLOSURE ) it says I have 30 days to respond. This company needs to be investigated they have no control over what happens within their own company. My nightmare never ends, please investigate them, can you help me where else can I go to get some help. The stress is overwhelming at this time am can i really lose my house over this!!!!!! Someone please stop them. I will attach this new letter I got Monday to this case.
I had and have Medicaid I been having my government assistance I dnt know why they coming after me for it
My home loan is serviced by Shellpoint Mortgage Servicing. On XX/XX/XXXX I submitted a Qualified written request to Shellpoint via their email address XXXXXXXXXXXX, I did not receive a confirmation of receipt within the mandated 5 days. On XX/XX/XXXX I re-sent the Qualified Written Request to the same email address, this time I requested a delivery confirmation and read receipt from my email service provider both of which I received. I have previously sent correspondence through the email XXXXXXXXXXXX and it was received by Shellpoint. 

As of today XX/XX/XXXX I have not received a written confirmation of receipt from Shellpoint or a response to the issues I raised in the QWR. 

Per the CFPB web site the lender/servicer has five days to confirm receipt of the request and 30 days to provide a written response. 

I would like the CFPB to assist me in getting a response to my request.
I was purchasing a {$3500.00} television at Best Buy store and was told I could get 10 % back in store rewards if I signed up for the Best Buy Credit Card with Citi Bank. I filled out the application including yearly income over {$200000.00} and no mortgage debt. I always pay of my XXXX XXXX   bill to avoid interest. The Citibank Rep denied offering me the Best Buy card ( thus no rebate ) instead wanted me to get a gold card with yearly charge of {$59.00}. I did not accept the offer and did not purchase the tv. A return call to the bank confirmed the denial was based on incomplete credit history! The Best Buy brochure code is XXXX and late fees of {$38.00} and interest on carried bills of 26.49 % APR! I think that if I ran Citi Bank or Best Buy I would want many many customers like me.
I have over {$130000.00} in school debt. I worked with the XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX. All were with XXXX and XXXX children. I applied for loan forgiveness and I was denied several times over. I 'm not in the business of making a lot of money. I 'm XXXX. I should have a significant amount of my loans forgiven- at least XXXX. I 'm still in XXXX and still helping children. What I have in my XXXX is LESS than what I owe. I will be paying until I die, and I wo n't be able to leave my children without debt. Is that not why we are encouraged to pursue higher education? I was sold false hope, but I did not give up. I 'm still striving for children, and I have debt to show for it. It is n't right.
I turned in my leased ATS Cadillac to the dealer on XXXX XXXX, 2016 at the end of the lease in impeccable shape. The inspection from Ally was done 3 weeks after I turned it in. I have gone around and around with Ally several times why I feel the charges are not accurate and request that a manager call me - which to this date has never happened. I want them to give me an explanation on what these charges are for and why they are refusing to dismiss - since the car was parked in the lot 3 weeks in a super tight lot - who knows who dinged the car in that time period. 

The car was sold at auction - and knowing that they are trying to make more money from me when they made their money ( and more ) from the auction dealer - is even more ludicrous and appalling. 

I am filing this complaint especially after seeing the XXXX dollar law suit that has been charged against them - and the unfair practices that they are known for.
I have notified XXXX XXXX and Capital One bank via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX & XX/XX/XXXX. I have not gotten any responses from Capital One bank or XXXX XXXX.
I have reviewed my credit file and have been turn down for credit due to XXXX XXXX listing me as still having active revolving line of credit with them. This item does show as XXXX balance however it does show as an active line of credit which is incorrect. I was told by XXXX Representative at the company on XX/XX/XXXX that a request to delete my information was placed to all XXXX credit reports. I still see this item listed and have been turned down for credit due to this situation. I spoke with XXXX from consumer relations department at XXXX XXXX who researched and stated that this item should have been deleted back in XX/XX/XXXX and stated that it was deleted however it still showed listed on my credit report. I would like full resolution on this matter I am a single mother working very hard to clean up my credit. I have paid XXXX of dollars to do so by filing chapter XXXX and have been discharged and I am very confused as to why this is still showing on my credit file and has prevented me from obtaining certain credit needed for my family. I have learned that this credit stared from XXXX card and was given to XXXX XXXX to act as their collection agency. When XXXX gave my information over to XXXX XXXX I was in an active chapter XXXX case. So this was incorrect reporting from the start. Because I lacked maturity and did not have the education and tools I have now I was not able to confront this situation. I would like your assistance with resolving this matter please.
XXXX XXXX at Churchill Mortgage understood that I have a XXXX. My husband XXXX and I were told that we qualified for a FHA loan, and that we could indeed move from XXXX to a cooler climate in XXXX hoping to benefit my health. XXXX told us to find a longer term hotel, so we paid {$1400.00} for one month at the XXXX XXXX XXXX, while XXXX told us to use a realtor by the name of XXXX XXXX at XXXX XXXX. Once we were up here, XXXX told us that we had to rent out our paid for condo and show him the year lease, otherwise we would not qualify. We hired XXXX XXXX, and they rented out our home. We had an inspection on the home, it was loaded with live cockroaches, and XXXX insisted I get the house and live there with the cockroaches while an extermination company would use chemicals to kill the bugs. With my XXXX, this would only worsen my symptoms. After this, XXXX told us that since we were not happy with his mortgage company, that " although we qualify for the loan, we need to go elsewhere for the mortgage. '' We can not go back to our home for a year, we can not get a loan, we have contacted about XXXX mortgage companies, and no one will help us. My house is paid for, I am XXXX and now where do I live? My credit is XXXX, my husband is a veteran of 21 1/2 years in the XXXX, and we have been working all of our lives. We are literally homeless, and a victim of XXXX XXXX from Churchill Mortage.
Bank of America is reporting an adverse credit card account on XXXX XXXX which I was placed as an " Authorized User ''. I wish to have this removed from my credit file and not be an authorized user on this account. I would like this deleted immediately off my credit file on XXXX XXXX and any other credit bureaus they are reporting this to.
XXXX XXXX XXXX is reporting a XXXX debt on my credit report. My social is XXXX date of birth is XX/XX/XXXX. I have requested verification and validation that this debt is mine and still this company can not provide but continues to report on my credit.
XXXX XXXX asked for debt to validated four times by XXXX. one time debt was removed by XXXX XXXX because not accurate. They then waited and put back on here. I have asked all calls and letters cease they continue to put wrong information on credit report. 
XXXX XXXX paid asked for this to be removed not stil by company or XXXX XXXX asked for validation nothing. 
XXXX, XXXX and XXXX continue to put wrong information on credit report when you do a dispute they are doing it.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, UNIVERSl1Y OF XXXX XXXX : XXXX.
Diversified consultants, Inc has attempted to collect from me debt that I do not owe XXXX. Succinctly, I had XXXX services for about two years beginning XXXX of XXXX until XXXX of the following year XXXX. I requested to temporarily suspend my service due to my many travels and not being able to enjoy the services that I paid for. XXXX respectfully agrees to this request. However, on my return from my trip abroad, i received three months bills from XXXX that I owed them. I informed XXXX that this is in no way possible for me owed them since my service have been suspended at least, temporarily while i was away. In responding, XXXX informed me that their system automatically turned my services on and that they would relinquished the amount owed. All said and done, I, knowing that I wont be around often due to work and other busy schedule, decided to terminate my service. Now, XXXX is charging me cancellation fees. Please note ; I do not have contract with XXXX at the time of requesting the service thru XXXX as cinfirmed by XXXX. I am perplexed as to why I have been dubiously held responsible for money I do not owed them. This is a fraudulent attempt by XXXX to collaborate with diversified consultants to extract money from me.
Trans Union Re-inserted Hard inquires onto my consumer report all within 1 weeks time after removing all of them in the first place. This was all done without proper notification and without basis. As such has adversely affect my credit score by making it go down and impairing my ability to refinance my car at the best terms.
On Wednesday, XXXX XXXX XXXX I tried to place a credit freeze through Transunion. Their process is unnecessarily convoluted and not at all reliable. First I had to wade through innumerable ads to use their own " lock '' service instead of the freeze I already knew I wanted. Then, instead of simply identifying myself and receiving a PIN on one simple page as with every other credit agency, I was forced to sign up for a Transunion account. 

The account creation process itself is an exercise in poor web site security practices, including silently truncating passwords over an arbitrary length, outdated " secret questions '', plain text entry fields for dates instead of date pickers, required manual formatting for dates, complexity requirements that are n't explained anywhere, and misleading or blatantly incorrect error messages. 

Once I fought through all that mess, I finally was allowed to actually request my credit freeze. After adding my payment information and answering the identification questions, I reached the standard commit page that warned me not to refresh the page or press the back button. Once everything appeared to complete and I was redirected to confirmation, the page at https : //freeze.transunion.comXXXX did n't even load! I now have no idea whether my freeze is in place or I have been charged for it. 

With everything that XXXX has done over the last several months, this sort of incompetence on a public facing web site of a credit reporting agency is simply gross negligence. And these agencies have the gall to charge us for their services.
I have disputed inaccurate, unverifiable negative information on my credit report with transunion, XXXX, and XXXX. I have not recieved any information on any investigation on the disputes that i have made. If account information was updated the results would reflect on all XXXX bureau 's after a very short time. The same time frame should reflect on deleted accounts. The fair and accurate credit reporting act has been violated by the XXXX credit bureaus by not updating there investigation results upon conclusion of investigation.
We are writing this in hopes you can help keep a family in their home. Please get Freedom Mortgage to properly review our loan for assistance options. The issue started in XXXX 2016. I had to leave work for almost half the year to recover from a XXXX that was necessary but we just couldnt have been prepared for. 

My family did what we could to make up the difference while I was recovering. I repeatedly tried working with the bank, explaining the situation, but it was a slow process and when I was finally able to get caught up, they told me it was too late. They demanded the full amount, and wouldnt take any more mortgage payments. The fees and these payments just kept to piling up.
I have tried this a couple of times and customer service would NOT remove the inquires and their is even a fraud alert on my credit report in reference to the fraudulent inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX These Inquires NEED to be deleted as soon as possible!
Bank of America vacated my account XXXX and kept the money. I had been trying to close this account for years. Now when I call them they ca n't heip me.
I opened my new checking account on XX/XX/2018 in the XXXX XXXX branch, with a flyer for a bonus offer of {$250.00}. The bonus is earned if 3 recurring bill pays are set up. However, my account, since XXXX, has been unable to sign up for bill pay. I called them up several times about it and they created a ticket for it, but no one called me back as they said they would. I am being treated differently than other customers. I should be able to earn the bonus. A few minutes ago I tried again to click the sign up button for bill pay and it still says there is an error and to call customer service. This was a bait & switch.
Hello, US Bank has charged me 7 Overdraft fees that are due to a bank error. I had a pending transaction that dropped off and never cleared my account. During the time that the charge was pending and now, US Bank has charged me seven overdraft fees due to a pending charge that NEVER hit my account. This is a violation of my terms and conditions along with the funds availably act. US Bank can NOT charge me a fee for being " overdrawn '' if the charge never hit my account. After speaking with the rep, she told me I would need to call back later since all the managers were in a meeting ... She then told me if I wanted to, i could go to my branch, and they could look at my account. 

She basically just tried to get me off the phone and have me go to my branch ( which is closed .. hence why I am on the phone ) if I wanted something to be resolved. She insisted that no one could help me fix something that they did in error. 

I would like for the fees to be waived. I will be closing this account.
Company repeatedly calls through out the day on a cell phone that is registered in my fathers name. I told them months ago to stop calling and they said that its ablegitimate debt the calls will not stop. To top it all off the lady that called today stated who she was with and what it was about before asking to speak to me.
On XXXX XXXX, XXXX, some company called me about a payday loan I took 2 years ago, they keep disturbing me with calls and threatened I will be served at court. They said I have to pay XXXX, I dont even know how they came up with that amount. And why they are just calling me after 2 years now. They force out XXXX dollars out of me which is money I dont really have. I only work a minimum part time job which I can barely do things for myself. They want me to pay every weekly which I can not not do. They were kind of rude to me on the phone. I am just hearing about this today without giving me time or nothing but saying I will be taken to court. They call me with an odd number which is XXXX.