WillisBack/dataset-financial-user-claim huggingface dataset:
SPS LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Our buyer was countered to XXXX. We requested a copy of the BPO and found that the comps they were using were an average of XXXX miles away up to XXXX miles away. On XX/XX/XXXX we provided market comparables supporting the offer price of $ XXXX. 

We believe this is a manufactured value. On which planet are values from XXXX to XXXX miles away used to originate a loan or make any kind of credit decision? 

We are seeing this on most SPS files right now. They are directing their valuations team to come up with inflated values. Values that are not realistic in any sense of the word. On this particular file, it looks like the BPO agent was instructed to randomly pick properties around the county that would get them a full payoff. 

Attached is SPS 's BPO and the agents response. Note that SPS 's has purposely pulled values from up to XXXX miles away to justify their counter offer.
Unknown For Profit Corporation Credit Plus Date of Inquiry : XX/XX/2017 Reason : this inquiry was made without my knowledge or consent and I disputed, and requested to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately. They have ignored several request to  provide supporting documentation. I tried calling to get a response, but was told it was requested by myself via XXXX XXXX which I have never heard of. 


I contacted Credit Plus and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the  information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete To my knowledge, I have not signed any documents authorizing Credit Plus or XXXX XXXX to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If they are in possession of any document that believe I authorizes their organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure they will agree that verifying my information is in their best interest. Finally, assuming they do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, Credit Plus also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
I paid off my Discover card on XXXX XXXX, 2016 and called them shortly after and asked them to close the account. The balance was paid in full and they closed it on XXXX XXXX, 2016. Nobody told me I should check back to see if any new charges appeared. The account was closed and I forgot about it. To me closed means CLOSED! Apparently that was n't the case though. A new charge of {$28.00} appeared on the account for what they later told me were interest charges. Around the XX/XX/XXXX I got a letter in the mail saying I owed {$120.00} on the account. I called them about it and I was livid. They had tacked on late fees and reported me for 30 and 60 days late on the account. They took the fees off and I paid the {$28.00} which had somehow magically appeared on a CLOSED account. My credit report shows absolutely NO late payments on ANY of my accounts EVER, and because of the 30 and 60 days late reported on a lousy {$28.00} charge that I was n't even aware of, Discover dragged my credit score down from XXXX to XXXX. This is not right. I called them about it after I ran my credit score and found this out, but they said they would n't remove the 30 and 60 day late reports on my credit.
On XX/XX/XXXX we purchase a XXXX XXXX XXXX from XXXX XXXX XXXX nothing that we had discuss prior was on paper and the finance charges and rate was and is super high, we didn't complaint because we needed the vehicle, We gave {$1500.00} down payment and we where promise 1st payment to be until XX/XX/XXXX. Vehicle was finance through Westlake Financial Services 1st payment was schedule for XX/XX/XXXX. Took us by surprise, we made payment on line XX/XX/XXXX for {$330.00}. During this time XXXX  XXXX XXXX asks us to take car for smog because they forgot to do it. We pay out pocket and waist time doing their work. Now, XX/XX/XXXX received a text fro sales person asking me to bring car immediately to dealer to finish DMV registration that I needed to do it today. When car was there noticed sales person being like always and said that car was being repo because we failed to make payment for being negligent and not making my car payments ; my boyfriend drove car he had just recently gone through a major surgery in  XXXX   and is carrying a temporary bag. He tried to get them to understand but they where rude. Now, I am without a car were having problems getting to work and is costing us money. Payment was confirm through my credit card company.
On XX/XX/XXXX I paid my credit card balance and closed my account with Citi by phone. 
On XX/XX/XXXX, Citi added charges to the allegedly closed account. 
On XX/XX/XXXX I received an email stating I had a balance dueon the allegedly closed account. 
I contacted them by phone on XX/XX/XXXX, and representative XXXX XXXX said the charges would be removed and the account archived, and I would not hear from Citi again. 
On XX/XX/XXXX I received a letter confirming the charges on the account had been removed. 
On XXXX XXXX I received and email saying I could examine the allegedly closed account online and make a payment
Equifax lowered my credit score by a whopping XXXX points. That unchecked action cost me and my kids housing. Our rental application was simply denied as a result of the down grade. Like XXXX working poor individuals with children, I am made the poorer when my hardship is compounded by the actions of a non-government ; corporate friendly capital giant and its practices. Consumers have very little protection. 

Equifax appears to indicate that balance increases in my student loan XXXX ( representing interest costs ) are to blame. Yet, these loans are being paid on time and an American consumer with dependent children should not be harmed when interest rates go higher while the student debt is being paid on time. Moreover, as a community worker, I am in the Public Worker Forgiveness Program established after XX/XX/2008. 

I need the XXXX point swing reversed and for the Bureau ( CFPB ) to establish a policy that will allow consumers the opportunity to challenge or correct a record before they are harmed.
So-called Creditor is in direct violation of FDCPA, FCRA and has not supplied XXXX / XXXX XXXX.
On XX/XX/2018 I brought my XXXX XXXX XXXX to the XXXX dealer in XXXX ca to see of I could lower my payments, they offered me a smaller car a XXXX XXXX XXXX with a car value of {$24000.00}. I traded in my car so the new loan would pay the balance of my XXXX XXXX  and the remaining balance would be added to the new car. When we were going to close the deal the seller showed me a total of {$39000.00}. Due to the price I told the seller I did not want to continue with the transaction because it was to much for a XXXX XXXX XXXX, and I would stay with my original car the XXXX. I was at the dealer for 6 hours already stressed out, when I was walking away XXXX XXXX another seller came over to me and asked what the problem was. I told him the price I was being given for the XXXX was still to much for me. He insisted he could give me a better offer so we proceeded to the office and he showed me a new price of {$37000.00} with payments of {$640.00} a month. He handled everything on the contract and had me sign it and quickly put the contract in the envelope without explaining to me what I had just signed. If I would have been told at that moment that the total would be {$46000.00} I would have never agreeded to leave with the XXXX. There were also other charges in the contract that he never ask me if I want them I had the right to make my own decision, He just added with out explained what they were. On the contract it says I have to pay {$2500.00} by XX/XX/2018 for a downpayment when at the dealer I explained to them that I did not have money for a  downpayment at the time and they said that was fine. I feel as though they were trying to hide information from me to prevent me from backing out of the purchase of the new car. I was never shown the Annual percentage rate, amount financed, finance charges or the total over all payment of the car. 
I did get to see the contract until I got home I call XXXX XXXX many times and they told me he was on vacation I spoke to XXXX Manager and explain him the situation and did not want to help me he said to wait until XXXX gets back on XX/XX/2018 I want my old car back XXXX XXXX  XXXX
i wrote a check from a local bank ( XXXX ) to make a purchase at XXXX XXXX. I have done so in the past and have had no problems. Today XXXX XX/XX/2018, my check was declined. When I asked my bank they said it was the company Certegy that declined it not them. I tried to contact the company with their phone service both ( XXXX ) XXXX and ( XXXX ) XXXX to inquire why. You can not get a person. When I tried to enter my information using the phone it would not take my driver 's license number thus I could not ask for a credit report or inquire as to why they declined it. The only other contact was a PO Box number.  However, I do not trust this method and want to talk to a person.
Received a call from someone calling himself XXXX XXXX who stated I had a debt in the amount of over {$2000.00}. I told him I did not know anything about that debt and he proceeded to tell me I did know about it and that they had spoken to me several times and that he was going to state that I said I had no intention on paying the debt. I tried to explain that I had no idea of a debt in that amount and he proceeded to hang the phone up on me. I later called the company back and they told me he was combining multiple debts and quoting me one single amount from multiple debts.
For about 2 months, I have received several hangups per day. If I call back, I get XXXX XXXX XXXX regarding an 8 year old Kay Jewelers account. If I ask for a letter or do not agree to pay in full right away, they hang up on me. I have blocked over 20 different phone numbers from them yet they continue to call and hang up on me daily. They have also threatened to contact my employer. I am being harassed daily by XXXX XXXX.
Hi thank you for your time. I applied for Discover it Student card on XX/XX/XXXX. When I was applying for it, Discover it never listed what kind of the address proof documents they accept. The result is, after my application, I was asked to provide immediately the proof of address I don't have. They only accept limited kind of documents and I don't have all of them. I have contacted them to discuss whether they accept other official government-accepted address proof, but I was rejected chillily. Also, I discussed with them whether they can extend my application, so I can apply for the exact document they required. But I was rejected again, chillily. They said they will decline my application unless I provide my address proof right now. And I was told that my credit points was already affected, because after my application, they pull my credit report immediately. They really should list what kind of documents they accept before the application. I lost my credit points for nothing.
XXXX XXXX XXXX does not respond to request to validate bill on behalf of XXXX. I read on Internet the  company was closed.
On Friday, XX/XX/18, I agreed to pay a sneaker vendor named XXXX on XXXX {$170.00} for a pair of sneakers, namely the XXXX XXXX XXXX XXXX mens size XXXX. He instructed me to download the XXXX phone app and pay him via XXXX, which would transfer money from my bank account directly into his bank account. His name is XXXX XXXX, and his phone number is XXXX. This was the personal information he provided to me to submit the payment to him. My XXXX transaction number is XXXX, completed on XX/XX/18. Minutes later, XXXX XXXX confirmed receipt of the payment and said that he would mail the sneakers to me. The following day XX/XX/18, he still had not shipped, so I asked him for a tracking number. He said he would ship on Monday, XX/XX/18. On Monday, I asked him for the tracking number, and he said he needed me to pay him again, for the same amount, in order to ship. I refused to pay him again and asked him to refund my initial payment if he was not going to ship the shoes to me. He has not responded ever since then, and appears to have closed his XXXX account. From his information on XXXX, he appears to have a storefront in XXXX, PA, named XXXX XXXX.
CitiCards said they were going to do a " soft pull '' when I asked for a credit line increase but they did a " hard pull '' and it is now on my credt report.
I am US Military Member currently XXXX. On or around XX/XX/XXXX I logged on to the OCWEN website a made a mortgage payment as usual. I make the pay on the XX/XX/XXXX of every month because this home is a rental and I usually do not receive the funds from my property manager till around that time. I do not know what happened, but I guess the payment did not go through. Since I am XXXX and do not have access to my phone number from home, or my mail I did not know that the payment did not go through. I was not contacted by email that my payment had not been made either. I then made a usual payment in XX/XX/XXXX online, I still did not notice that I had a delinquent payment because I had no reason to look for it. Some time towards the end of XX/XX/XXXX I got a email that it was reported on my credit that I had a late payment for my XX/XX/XXXXpayment. I then looked online at the account and caught the error. I immediately brought the account to current status and contacted the company about the error in payment processing. I relayed to them that I was XXXX at did not have access to the cell number listed, or my mail so I did not know that the payment did not go through. I sent them a email to request that the late payment be removed from my credit history since this was indeed a true error. I asked that they look at my payment history and see that I have never missed a payment. I also sent a copy of my orders for them to verify that I was XXXX  and did not have access to the listed phone number, or mailed statements.
I have worked very hard at keeping good credit history and if I was truly not making a payment I would see why they would not remove this. But given the circumstances surrounding it, I do not think it is fair to keep this on my credit history. If I was not XXXX this would have never happened because I would have received a courtesy phone call, or a notice in the mail ensuring that I caught the error and made the payment before it was considered 30 days past due. This will now affect my credit history for up to 7 years, and I not believe this is right to do to service members. 

I tried to correct with the company but they would not remove it from my account or credit history.
I am currently on a long term modification with AES that is the servicer of the loan that was taken out by XXXX/NCT. I am currently paying all my payments on time and in full and CAN MAKE THESE PAYMENTS. I called AES today because the payments are increasing. I told them these payments are to high and I can not make them and they told me they can not do anything to help me. I do n't know why they will not help there clients! I am willing to work with them and I advised them they will be going to default becasue I can not make more payments. They advised me I can not contact XXXX becasue AES has been contracted now and they do not service them. I need help with repayment and there has to be another way to lower these payments or keep them the way they are. My credit score from these loans is already affecting me and can not consolidate or do anything. This is really un-fair that they are doing these to me when I want to pay!
On XX/XX/XXXX I discovered a fraudulent account had been opened in my name which resulted in a collection account being posted on my credit report by a company name XXXX XXXX XXXX XXXX in the outrageous amount of {$450000.00} dollars. Just recently the balance skyrocketed from {$450000.00} to {>= $1,000,000}. I contacted several contacts within the collection agency, the original creditor posted on the account as well as the three major credit reporting agencies. I followed the steps laid out by the fax, sent debt validation letters certified mail, sent in the police report showing the identity theft etc. Long story short XXXX  deleted the item, Equifax and XXXX   have not, as well as they won't send me any documentation showing me how they linked this account to my report. On XX/XX/XXXX Equifax deleted the account, but re-inserted it on XX/XX/XXXX with no documentation showcasing the reason for reinsertion.
Barclay Bank is kiting my money- it leaves my bank account- and then the credit card company- who has processed it- refuses to credit it to my account for over a week! this is ILLEGAL!
In an  OCWEN LOAN SERVICING, LLC, Loan N o. :  XXXX , Borrower named as  XXXX   XXXX   XXXX ,  XXXX , Address :  XXXX   XXXX   XXXX ,  XXXX , CA  XXXX .  OCWEN was the Servicer and  failed to inform me of the name of the lender for the following years . OCWEN has  refused to reveal the name of the lender.     Question #  1  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  2  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  3 :  In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  4 : I n the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  5 :  In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  6  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question  # 7  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question # 8 : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question # 9 : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  10 : I n the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question  # 11  : In  XXXX ,  LITTON (   now OCWEN )  alleged it received a " pay off '' from   XXXX   XXXX    LITTON  were statutorily required to inform the lender regarding the payoff and the note returned to  XXXX   XXXX   XXXX   XXXX   XXXX , the borrower.  XXXX   XXXX   XXXX ,  XXXX  did not receive reconveyance of the deed. R equire LITTON ( now OCWEN ) to subm it the note to  XXXX   XXXX   XXXX ,  XXXX .     Demand #  1 Require OCWEN LOAN SERVICING, LLC to produce the Accounting of this loan, from the originator to the p   resent holder of the note.
Demand # 2 OCWEN   alleges that a foreclosure were conducted on this account ; Question : Reconvey the note to the Trustors immediately as " paid in full. ''
Every month XXXX XXXX XXXX XXXX XXXX has been doing hard inquires on my credit. I never had any doings with this company or ever gave them permission to check me every month. Please help, have them REMOVE ALL their inquires from all XXXX of my reports or i will sue for XXXX for each. i also signed up to optout this XXXX. XXXX, XXXX XXXX, XXXX Ut XXXX ... XXXX
I became aware that Prestige was storing my credit card info in some part in their system and via a 3rd party system I requested on several occasions that the information be removed, that I had n't consented nor was I told that my credit card number will be stored To this request I received push back and was ultimately that Prestige only keeps the last XXXX digits of my card info I was told their 3rd party vendor XXXX XXXX houses the information. Again I asked that the information be removed and that was again met with resistance. I was told to contact XXXX XXXX which on XXXX/XXXX/2016 I did. I subsequently did a 3 way call with XXXX XXXX and XXXX from Prestige. 
During this recorded call XXXX said XXXX XXXX had the stored credit card details and the rep from XXXX XXXX said they did not keep those details. I have n't made any payments directly to XXXX XXXX my payments are made to Prestige and no where on their website nor in any other disclosure is there any information about how my information is stored. Prestige has refused to remove the information from their system or request that the information be removed by their 3rd party ( where applicable by law ) Prestige has continuously refused to aid in removing this information. They also have refused to remove the viewable information from their system. 
Prestige is engaging in deceptive practices and privacy violations as well as compliance violations as it relates to keeping credit card information on file.
Made a domestic wire transfer from Citibank to XXXX XXXX XXXX Bank on XXXX/XXXX/2014 ( Citibank reference number XXXX ). Shortly thereafter it was discovered that the beneficiary 's account no. was incorrect. Several requests were made via Citibank to XXXX XXXX to return the funds but to date XXXX XXXX has refused to return the funds despite Citibank 's repeated recall requests ( Citibank wire case XXXX ). To date ( XXXX months later ) funds have not been returned.
Mishandling of funds. 
XXXX XXXX, XXXX I sent a check to cover my escrow shortgage. They did not apply my money correctly, evidently I wrote the wrong amount on the check. I sent them messages to no avail on XXXX/XXXX/XXXX which has still not been addressed. They finally called me when I sent in my mortgage payment asking why I was sending in another payment - this was on XXXX/XXXX/XXXX as well, not even looking at my messages. I was talking with XXXX and sent another immediate transfer to cover the amount. She assured me as assistant to the vice president, she would make sure this was done correctly. I now get a statement with my last payment pended, an overdue payment amount ( XXXX ), a partial payment unapplied ( {$1100.00} ) and an amont due of {$2100.00}. My escrow balance shows {$1500.00} - my shortage was {$1500.00}. My payment amounts should have stayed at {$870.00}. This is causing a lot of stress trying to get this cleared up and a lot of problems between my spouse and myself.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX And COMMONWEALTH FINANCIAL   negatively reaged my credit. Saying it was opened on XX/XX/XXXX (XX/XX/XXXX) and openedXX/XX/XXXX ( commonwealth financial ) when this debt is from XX/XX/XXXX-XX/XX/XXXX and should be off my credit by this year as originally stated before reaging it on my credit report. I want it removed.