WillisBack/dataset-financial-user-claim huggingface dataset:
I am attempting to close out the estate of my deceased father. He had  XXXX  judgements placed against him. I   am trying to pay them in their full amount through the sale of his house. However, one of the companies, Main Street Acquisitions, refuses to provide the title company with a pay-off amount. This is resulting in the inability to close the sale and the inability to close out the estate.
<P/>
I, and the representative from the title company have been trying to get an answer from Main Street and are facing a stone wall and feel like the sale of the house is being held hostage to their ineptitude. When we call Main Street we are told that they are trying to place the debt with a servicer and that they have escalated with their dispute resolution department. We are not trying to dispute the judgement or the amount of the judgement. We are merely trying to pay it, but they will not allow us to.
<P/>
The result of their unwillingness to provide the pay-off is that now my house buyer is wanting to charge me {$370.00} per day ( including weekends ) since this has caused us to miss the contractual closing date and if we can not resolve this with Main Street, I will lose the sale of the house in 14 days.
<P/>  I expect that this will absolutely cost us this sale and do not see why future attempts to sell the house would ever lead to a different result which means i ca n't sell it and ca n't close out the estate.  <P/> I am merely trying to honor the financial obligations that my father created. I am not trying to negotiate the amount of the judgement at all. I am begging them to just take the money that is owed and let us proceed with the sale. They do not appear to be interested in doing this. Due to real estate market timing, I do n't believe that subsequent offers will be as high as the one I am desperately trying to close right now. Their actions very like are now causing financial damages to the estate.
I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. <br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX/XXXX XXXX XXXX XX/XX/2018<br> <br> XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XX/XX/2018<br><br> XXXX XXXX XXXX XXXX XX/XX/XXXX <br><br>XXXX XXXX XX/XX/2018 <br><br>These inquiries need to be deleted from my credit reports as soon as possible
XX/XX/XXXX RE : Bad faith failure to provide XXXX credit card insurance coverage on claim XXXX XXXXChase and their administrator,  XXXX XXXX XXXX, have continued to delay providing clearly required and repeatedly admitted insurance coverage for damage to a car rented using our XXXX/Chase credit card. Despite our repeatedly providing the same information to XXXX/Chase through their claims administrator over the last 6 weeks they have failed to respond. This delay now imminently threatens our credit rating. 

The car we rented from XXXX XXXXl was scraped on XX/XX/XXXX. We notified XXXX on XX/XX/XXXX by phone. On XX/XX/XXXX after receiving the repair information from XXXX, we sent XXXX  the requested voluminous information to XXXX/Chases claims administrator XXXX XXXX XXXX, which we assembled, responding completely to all of XXXX/Chases inquiries. 

Since that time XXXXChase, through their administrator XXXX XXXX XXXX, has three times responded to us, asking the same questions they initially asked, each of which was completely answered in the materials we initially provided to XXXX. XXXX investigators failed to look beyond the first page of scanned documents. We did, however, respond to each new inquiry completely and promptly, providing again the repeatedly requested information. 

XXXX XXXX XXXX XXXX has now given us until XX/XX/XXXX, to make payment or they will refer the matter for collection. This is entirely XXXX fault and their delay is wholly without justification. 

We have talked to XXXX people, who say XXXX/Chase does this all the time : delaying, and then trying to save money by further negotiating down what they owe, even though there is no question what is owed. For instance, XXXX/Chase haas now submitted a proposal that does not cover the interest XXXX has added for all the delay, and that requires a release, even through they are not entitled to a release from XXXX. 

Thank you for your attention. 


XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX. XXXX mobiles
COMPLAINT ID XXXX XXXX I have submitted a request in the above listed Complaint ID 's to have an unauthorized credit pull removed from my credit history. The company has removed the unauthorized credit pull from XXXX however they have not removed the pull from Equifax. 

I would like to have the company also remove the credit pull from Equifax.
XXXX 's will not answer me for validating the correct amount shown for a debt they claim I owe. In XX/XX/2011I purchased a ring and they sent a letter after a few missed payments stating my account was closed and I needed to pay {$120.00}. This debt is reporting open with Experian, with no amount, but closed on XXXX and XXXX with a balance of XXXX. I've recently reached out to the creditor to take care of the balance and was advised that I owe them XXXX dollars as this debt is still open and incurring charges. I've tried to file a complaint with consumer financial after not being able to resolve the matter with XXXX XXXX XXXX myself. You guys sent it back two days later saying you couldnt locate them. If they're not going to report accurate information nor be listed accurate contact information then I am asking the Bureau 's to now intervene. This debt is not following FRCA laws and I need a resolution Immediately. This is preventing me from buying my first home and is causing me havoc.
I am a victim of identity theft and have unauthorized and fraudulent accounts listed on my Equifax credit report. The following accounts are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX Bank, XXXX.
I have a late reporting on my account SYNCB/XXXX this isn't accurate I made all my payments on time, this is clearly an error on your part.I hope we can resolve this matter immediately.
I applied for a BUSINESS card for my CORPORATION only to find out that the Citibank ran a credit check on my individual credit. I did not authorize them to do that. When someone applies for a corporate card with its own tax id number then the bank should utilize the information and run credit on that legal entity applying for the credit. The entity has been in business for over 18 years and if the bank does n't want to provide credit to the entity that is fine but they had no right to run credit under my personal information since I was not applying for credit personally. This has a negative effect on my credit score since it reflects as if I personally applied for credit and reduces my personal credit score which has nothing to do with my corporation. That is the reason they call it a BUSINESS CARD and not a regular credit card. This conduct of bank is not justified and should be stopped.
Portfolio recovery associates llc has continued to call random numbers asking for me regarding a debt I owe. They have called my moms home number that I never gave to them asking for me and saying that I gave them that number which I never did give them the number. They have my cell number which is the only number I gave the actual creditor.
I submitted my complaint with Experian on XX/XX/XXXX for the XXXX time. When I pull up the case number my dispute does not appear and it will not let me dispute again. I have tried to call Experian during business hours, but the message states they are closed. 
The problem began with XXXX in XXXX XXXX in XXXX when they reported that I had XXXX late child support payments. I was XXXX military during this time, and the payments were automatically deducted from my pay. I learned of this negative information after returning from a XXXX in XX/XX/XXXX. I had tried to resovle this with XXXX & Experian around this time, but I was told the information was correct on their end. I recently uploaded the supporting document from XXXX ( XXXX pay ) to show Experian that I was never late and payments were deducted. XXXX & Experian have been negligent to correct this information. Please help me, it has been on my credit report too long. XXXX & Experian need to take responsibility for reporting incorrect information. My insurance rates and rental deposit rates have been higher, and my credit score has not improved as a result of this incorrect information listed under the negative items area.
We put our house up for a short sale back in XXXX the company SPS requested our financial information. They got another appraisal this was the XXXX. SPS said they wanted {$300000.00}. 
on XXXX XXXX 2016 there as an offer for the total {$300000.00}. Since then SPS has requested our bank statements for every month and got a new appraisal every other month. the last year SPS has gotten at least 7 appraisals. The last Appraisal was for {$260000.00}. The people that put in the full price now after being put off for almost 5 months are giving up SPS has done nothing to get this sold .They say they are still looking it over and it will be at least another month.
I was in school and was involved in a XXXX accident where I XXXX and could n't work and was offered a partial scholarship to XXXX at the school but that was no longer an option after the accident. I could n't go to school cuz I was in a hospital out in a different XXXX in a XXXX. After I started to recover I was in so much XXXX. I was in and out of XXXX the financial hole I had dug myself .The late fees I had occurred in that time period of recovering it has seriously damaged my credit and has made moving on with my life extremely difficult from car loans to home loans.
I wish to make a formal complaint about an inquiry on my Credit File. The issue is that I applied for a Credit Card at XXXX Bank in XX/XX/XXXX in hopes to improve my credit rating and was approved but never received the card. I assumed there was a long processing time to obtain this card, but when I researched this issue at a later time I found out that they did send me a card but the address never included my apartment number so the card got lost in the mail. They then informed me that due to the delay in activating this lost card they closed the account. 
The Bank then informed me that I would have to start this process over again to obtain another card. I decided not to do this, but I have this inquiry on my credit file which gives the appearance that I have applied for credit but been denied. I wish to remove this item from my credit file to avoid any confusion from potential creditors. 
This inquiry will not be removed until XX/XX/XXXX. 
I sent a letter to Experian explaining this issue but have not receive any correspondence in resolving this issue. 
Latest Experian Report Number : XXXX : XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX # XXXX
I received a call ( phone message ) from Chase 's fraud unit informing me that someone had applied for a Chase XXXX credit card and that I should call to verify. I became concerned, because I HAD N'T APPLIED for any such card. 
I called my credit protection service, XXXX and they advised me to put a fraud alert on my account, which I did. 
When I called Chase back, they told me that they had ISSUED the credit card. I was livid to think that they would proceed WITHOUT my confirmation. They did not apologize, except to cancel the card. Nor did they agree to file my complaint about their system to their corporate headquarters. I DO NOT have any connection to Chase ... no bank account, no credit or debit card, no loan. 
Since then I received a letter from XXXX informing me that the credit alert was registered and also that I was entitled to a copy of the fraudulent application details. So I called Chase and they informed me that I had to send a written request to them with all kinds of documentation, including police reports etc. 
I can not comprehend WHY I need to supply this information WHEN it was CHASE who initiated the inquiry and therefore I do not have any documentation except what I 've received from them. A letter, which I attached arrived a few days after their phone call message. 
This aspect of fraud protection is NOT adequate and obviously Chase is inept and negligent in protecting its customers. 
I am grateful for your willingness to establish accountability for corporate policy and look forward to your reply.
Experian has inaccurate credit data in my credit file and has been providing erroneous credit scores to potential lenders. Experian is inconsistently reporting my credit score depending on who the requestor is and the purpose of the request. In XX/XX/XXXX, Experian communicated my credit score as being XXXX to XXXX. In XX/XX/XXXX, Experian reported my credit score was XXXX to XXXX, who reported to XXXX.

On XX/XX/XXXX Experian reported my credit score to be. On XX/XX/XXXX, Experian reported my credit score to XXXX as being XXXX. Because of Experians preferential credit score reporting, I have been declined twice for a home loan and incurred additional points off my credit because of the multiple lender inquiries. If I had though my score was a XXXX, I wouldnt have applied for any type of loan.

Additionally, Experian has failed to correct my credit report with accurate information, regardless of my numerous attempts. There is even an account ( XXXX XXXX - student loan ) that Experian is showing as a negative account even though the loan was paid off and states paid as agreed. That account is over 7 years old, so if it was negative as they have classified it, it should have been removed.

Experian should take immediate responsibility for their inaccuracies. The interest rates are rising, and I have my hands tied as I wait for this professional credit bureau to decide when they will update my report, so it accurately reflects my score. It sure is convenient timing for the credit reporting agencies to take their time to fix their mistakes, as interest and property inflate.

My understanding is that as a consumer I have a right to an accurate credit report and score and that the process put in place today is to ensure mistakes are fixed in a timely manner. Additionally, my credit score is to be reported truthfully and consistently. As such, my rights as a consumer have been violated by Experian.
I called XXXX  and XXXX, and Experian, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..
Some weeks ago I was visiting your site and pursued contacting the main three credit reporting agencies. I was sent correspondence from XXXX and TransUnion that I needed to submit documented proof that I live at my current address as I have since 2009. Yesterday, I received the attached correspondence from TransUnion that my current California Driver License, a XXXX Medical Bill, Department of Veterans Affairs documentation and I believe a utility bill. Apparently this is still not good enough and I believe TransUnion in particular just does not want to comply and provide me with a free credit report so that I might manage my own identity and credit protection. They seem to keep coming back with a lame excuse that what I am sending from their own criteria is insufficient to prove where I live. It has gotten ridiculous and frustrating. It appears if I pay them for it, there would be no problem. I keep getting jerked around and around. XXXX has not bothered to respond despite sending more that the proof documentation they require. XXXX seems just to have ignored my request all together as I have never heard back. Again, I made these requests through the link on your site. I do not know what the problem is other than this is nothing new as these people seem to wield some sort of arrogant power that does not serve the consumer. Especially when it comes to removing inaccurate information which impacts credit. On example, regards a closed child support case from years ago and showing it is still open. I wish there would be more regulation over this group.
XXXX made a hard inquiry on my account on XX/XX/2017. No institution information is provided. I have no idea what this is from and would like it removed from my credit
I have disputed the reporting from XXXX XXXX XXXX. They have posted the same debt 2 ( {$190.00} and {$210.00} ) times on each of the 3 credit agencies, and yet it appears to be for the same account. I placed a dispute on XX/XX/XXXX. I have yet to receive a response to their investigation. According to the FDCPA rules, they should removed all items I have disputed with XXXX XXXX XXXX.when the investigation takes longer than 30 days!
XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home : ( XXXX ) XXXX XXXX   Fax : ( XXXX ) XXXX XXXX XXXX Cell ( XXXX ) XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX : XXXX   XX/XX/XXXX Dear Consumer Financial Protection Bureau : 1 . I filed a complaint against COMMUNITY BANK on or around XX/XX/XXXX, for elderly-financial abuse, theft, and fraud. This banks ' employees, involved with the organized-crime, aided and abetted an organized-crime member XXXX in stealing {$1.00}, 200.00 from me.

2. XXXX XXXX stole my {$1.00}, XXXX through a scheme of renting an illegal apartment aided and abetted by the local and state police ; so, they refused to file a police-report. When the local and state-police saw no other option, they filed the report ; but it was falsified.

3. The police-report looked like I have lived in the apartment and, then, the apartment became damaged ( by my use ) ; so, it was not fraud, but a landlord and tenant-dispute. when, in reality, XXXX XXXX   rented the said apartment with dozens of violations, said that he was going to fix it before he cashed my first month-rent and security deposit.

4. After fixing the apartment, he was supposed to give me a lease and the key. Then, he was going to cash the check for the said two months. This never happened. He cashed the check immediately after I gave it to him and never repaired anything. When I went to the bank and reported the fraud and scheme, they told me that they would not follow the law ; so, I could get my defrauded money back.

5. I, and an ocular witness, have seen the local state and police- officers at the local motel -- where people drink, rent rooms for a night or two, and eat. I dont know if XXXX XXXX or his family own the said motel ; but I do know that they are friends with XXXX XXXX and hang out where he does at the said motel.

6. After I found out that they hang out at the same motel and are good friends, the said police refused to follow the law and arrest the perpetrator for fraud XXXX XXXX. After I filed a complaint with the Consumer Financial Protection Bureau, COMMUNITY BANK retaliated against me and ran another scheme involving covering up parts of my rent-checks, at the new place where I rent.

7. I rented another apartment because I almost died of infections from XXXX XXXX 's illegal-apartment. After I got terrible infections from the said illegal-apartment, I went to the local XXXX-Hospital in XXXX, NY. There, coincidentally, two nurses and an Assistance Physician tried to XXXX me. I have a 911-Call and ocular witness.

Sincerely, XXXX XXXX XXXX, XXXX Citizen
I continue to try to explain to the Navient Student loan payment center that I'm just not able to repay my loans. If I could I would. They continue to add charges to increase what is owed on my loans. I am living off of XXXX XXXX  XXXX. I barely have enough income to pay for daily living expenses. I continue to get calls or reminders although I have continued explaining my situation. My dream of becoming a XXXX XXXX was lost after having a car accident which basically took my life away, at least the one I worked hard to try to get. I just simply can not afford to make any payments. I need to have all of these loans forgiven if possible. I had excellent credit at one time and I now have horrible credit. This upsets me and the whole situation has also affected my XXXX XXXX. I am under the care of a XXXX. The more they continue to ask for payments always increases my XXXX   and XXXX XXXX. I'm just not able to pay these loans. My life changed dramatically after a car accident. I basically lost everything.
Completed the course that I was signed up for. Finished paying the in school loans, and was promised job assistant when I went to applied for those jobs in which the school referred me. They saw the school I had graduated from and the time that I graduated, I was then told that my diploma/certificate was invalid due to credential loss half way through my education. I was told that in order to rectify this and be able to be a candidate or the position then I would need for the position, it was recommended that I return to school and redo my credentials. 
I called the school, they told me, that everything was fine, if there was more credential needed, I would need to return to the school and re apply for that course. Even after explaining my situation they advised that in that case it would be in my best interest to return to school but that I would have to pay for the course again and that they would help me reapply for all the same loans so that I could come back and redo the course. Receiving no understanding for the situation that I was in due to them I was only offered a change for me to come back in and speak to another councilor and that they would be more that happy to redo all the loans in which I already had again and could n't pay for, and that I did need to understand that any new loans would be in ADDITION to all the current loans. I asked why I would want to do that when I could n't pay for what I already had because I could n't get a job as promised when I signed up for the course as I was unemployed at the time of enrollment but was promises that that was n't a big deal as at the end of my course I would be assisted in job placement so that I could repay every loan that they signed me up for in the first place. Which in all fairness I do n't understand how they could possibly tell people who had no form of income to come on in and sign up for thousands of dollars based on a promise that they would in fact help make it so that I could repay them and still have money left over to support myself and my family all of which today I am learning were lies.
Closing on my home XX/XX/XXXX and can't because XX/XX/2018 Experian reporting Inaccurate information on my credit report Experian is reporting that I owe XXXX on my student loan and Ive contacted the student loan people 's they saying my balance is XXXX and I don't owe anything I also have the proper paperwork from the department of education/XXXX I also have a recorded conversation with the student loan people 's saying that Experian is reporting Inaccurate Information on my report
Green Tree Servicing LLCXXXX XXXX XXXX XXXX, XXXXXX/XX/2015XXXX XXXX XXXX XXXX XXXX, XXXX XXXXRe Acct. XXXXTo whom it may concern, By law a mortgage company is required to send monthly statements to its customers. I have not received a statement from your company since XXXX of 2015. I have filed no bankruptcy, nor have I changed addresses. I have called two different times requesting statements to be sent out and all I receive is hostile treatment by your people. I continue to receive all other forms of communications from your company, so please, immediately send me a billing statement so I can bring my account current. 


Thank you, XXXX XXXX XXXX