WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, my credit score with XXXX and Experian was XXXX, I am not sure what XXXX was, but it was running close. During that time period, XXXX XXXX offered me a credit card for a $ XXXX limit and I thought that would be a good card to have and I was approved. Shortly after I started getting calls for a mortgage loan which I was planning to do anyway because I have been working on buying a home for the past year. 

Maybe I misunderstood, but I was under the impression while looking for a mortgage loan it wouldn't affect my score. I guess I was wrong because my score is now down to XXXX and only went down after 3 attempts of talking to loan companies and giving them the right to check my credit. I have good credit and I have worked very hard getting it but it seems like all three credit bureaus refuse to allow me to keep it. There are inquiries I don't recognize as well and all are considered hard inquiries. I lost XXXX points for inquiries? Why? When I am trying to make my life easier and better, it makes no sense at all and I am very upset with this dictatorship of my personal life.
I have been unable to have my credit report expunged of information pertaining to my personal bankruptcy. Both Transunion and  XXXX  have been unfairly intransigent, while  XXXX  has increased my  credit score to "  Very Good ''.     According to the Fair Credit Reporting Act, " The fact that you filed for bankruptcy can be reported fo r up to ten years. While it may se em like negative information, the reporting of your bankruptcy discharge might not necessarily be a bad thing. A bankruptcy discharge can clean up debts that used to show up on your credit report as being delinquent. That is because debts that wer e discharged can no longer be reported as being unpaid or in a past due status. CRAs and your creditors should report each discharged debt as : having a   XXXX   balanc e, anddischarged, included in bankruptcy, or similar language.     While the FCRA does not directly address how individua l discharged debts must be reported, to report a discharged debt as something else  ( for example, " charged off '' or having a balance as more than  XXXX  ) would violate the provision of the FCRA that requires furnishers ( that is, creditors or  collectors that report to the credit reporting agencies ) from reporting incorrect information. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) .
Prior to any wage garnishment, debt collectors need to send the debtor a summons so they 're aware of their right to dispute the debt in court. 

In order to send such summons, they must notify me not only by mail but in person, per New York state lawXXXXNo such notification was made.
my mortgage includes escrow however my mortgage/servicing company, Seneca, has not paid my property taxes and I have called repeatedly and faxed in a copy of my tax bill. XXXX quarterly payments have not been paid to dat.
I am trying to get an agent on the phone from Dietech.com. Everytime I call I get transferred to a mailbox that claims it is full and this is during business hours. I can not leave a mess and am not transferred to another ext. There was atime I left a message and got no return call. This is my mortgage servicing agent and I need to get a person on the phone. I also applied on the web site and it did not work after answering all the questions and now I ca n't redo that either.
Nation star mortgage seems to be churning my file with no intention of Considering a Modification. I believe they are also charging a fee to the investor for the churning of the file. See attached letter and documents
I have disputed the late payment on this WFDS XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
It is very clear that Experian and XXXX are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Ditech 's Escrow accounting errors and lack of willingness for reconciliation Ditech 's inept accounting system in XXXX was unable to properly process Escrow payments. Two XXXX acct escrow payments were misapplied. Unfortunately Ditech has been unable, or unwilling to remedy the problems. To document Ditech 's error prone accounting system : A. My auto pay mortgage is sent to Ditech Financial LLC XXXX, XXXX, XXXX However, my Escrow Payments are sent to the Escrow Department : Ditech Financial XXXX. XXXX B. Ditech 's inadequate accounting system was unable to decipher an escrow payment from a mortgage payment and misapplied the escrow funds. Ditech account reconciliation sheets are available. 
1. NOTE A - XX/XX/XXXX Escrow payment of {$2100.00} was misapplied to {$1100.00} ( A1 ) principal Unapplied funds, and {$1100.00} ( A2 ) to mortgage unapplied funds rather than escrow. See attached reconciliation sheet 2. NOTE B XX/XX/XXXX Escrow payment of {$2100.00} was again misapplied to principal Un-applied funds {$1100.00} ( B1 ), and XXXX ( B2 ) to mortgage un-applied funds rather than escrow. See attached reconciliation sheet 3. At least four Ditech representatives documented Ditech 's faulty allocation of escrow funds. These representatives included, XXXX, extension XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX. My misappropriated funds were then assigned to my next mortgage payments while putting my Escrow account into delinquency. 
A. Ditech 's extremely poor customer service then created another set of problems. I tried numerous times for resolution. I contacted a minimum of fifteen Ditech representatives virtually all stated they agreed with the genesis of the problem and would get it rectified. Promised call backs after they researched the resolution were non-existent -included XXXX XXXX Ext XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX- XXXX plus others. Zero returned calls from voice mail messages, and none of my calls answered. 
B. On XX/XX/XXXX supervisor XXXX- XXXX volunteered that Ditech would totally rebuild the account to provide funds into the correct sequence and account locations. See claimed to be the one who could rectify the problems. I agreed to make two payments which she was going to monitor to make sure they did n't drop into the " black hole again ''. On XX/XX/XXXX two payments ( {$2600.00} & {$4600.00} ) were received by Ditech.. XXXX promised to call when the funds were received and properly distributed and to call when she received my documenting fax - no calls, wo n't answer her phone See attached documenting fax. 
C. As of XX/XX/XXXX, no returned calls from XXXX after 6 messages. Conclusion and reconciliation : 1. Had the payments sent to the correct Escrow office been applied to my Escrow account, we would not be having this disaster. 
2. Had XXXX - extension XXXX - followed through on her promises to call and return calls, we probably would have already properly remedied this account. 
3. This is very simple math, match the amount owed for both mortgage and escrow to amounts already paid for mortgage and escrow. 
4. Expunge any and all record deficiencies from my account.
My Govt. check usually is deposited in my bank on the XXXX of each month. I was sent an e-mail stating that my check would not reach my bank until XXXX XXXX, I sent Spotloan a request to defer their debit payment from the XX/XX/XXXX to the XX/XX/XXXX ( XXXX days ) They responded that they would not be taking out my next payment and by deferring my payment would add {$590.00} in interest to my account.
I needed to open a account for direct deposit, was unable to as I had no previous account. My daughter had a account with Zions bank which I was able to use to get history, so I was able to open my own account apx. 6 months later at that time, I was to be taken off of her account, we never followed up to make sure it was done. I am not sure when this all transpired as it has been a long time ago. My daughter lost her income and was not able to keep that account, which put it in default. She closed it and filed bankruptcy and the account was included in it, and the bankruptcy was dismissed on XXXX. Jump to XXXX of XXXX I was called as to what I was going to do about this account. The gentleman was very rude in his conversation as I told him it was done through the bankruptcy, that I had nothing to do with that account and since no one disputed the judgment, it was taken care of. Now that I will not talk to him about this, he will reverse my payments that I make and put the money back in my account, if I do n't keep on top of it, my payment will not be made, which could cost me my job as one of the payments he reversed was for my phone, if I do n't have a phone I do n't have a job, company policy. But it could create a lot more issues with my credit. I 've tried to talk with him but the last time, words were said on both sides, and I do n't see any resolution with speaking with him, and my bank said to contact you with regards to this matter, I thank you for your time XXXX
I have REPEATEDLY complained to Transunion and even placed a fraud alert on my account. They continue releasing my credit report without my authorization or these people meeting the fair use requirement. They refuse to remove these inquiries. They are as follows. 
I am disputing the following inquiries on my TransUnion Report FILE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX
Allied Insterstate LLC XXXX is a 3rd party and they along with XXXX XXXX XXXX XXXX have been harassing me under a former married name as well as calling and sending mail to my job demanding a wage garnishment for a Federal Student Loan and threatening my job with suing them if they do not comply. 

The harassment started when I applied for my first Credit Card ( XXXX XXXX ) in my life through the XXXX XXXX Link. 

I never had a Student Loan and am a client of XXXX XXXX XXXX because I am a Identity Theft victim. 

The Law firm as let me know that there has never been a student loan on my credit report not now or ever and that goes for all 3 credit bureaus. 
XXXX XXXX XXXX has stated on their recorded line that these 2 companies are a known scam companies. They have also stated on their recorded line that if my job did the garnishment that all of my jobs info as well as finances of the company the scammers would have access to. 

I need for the harassment to STOP ASAP. 

Many thanks,
I have disputed with Experian credit agency over XXXX accounts that appear on my report which are XXXX and XXXX XXXX. Both of these accounts have reached the 7 year limit and were removed successfully from the other XXXX reporting agencies but of to no avail Experian refuses to delete these old accounts. I would like these XXXX accounts removed immediately.
I was informed that Equifax had a breach of personal information and my personal information my be one of many that was distributed out and overseas. I will like to know, how is this situation going to be handle? Releasing personal information that can damaged someone credit and Identity is incriminating and outright disrespectful.
I have had a loan with Santander ( A PREDATORY AUTOMOBILE LENDER ) since XX/XX/XXXX. It is now currently XX/XX/XXXX. The amount initially financed is currently the amount owed plus. ( at least XXXX is still owed ) I have made close to 30 plus payments and all of my payments are going to interest. I have had extensions, i have a due date change, i have paid late, i have paid current, i have paid on time, i have paid before time, i even split the payment up in half and still had the payment in on time. Nothing i do is making the principle balance go down. I work for Sandtanders competitor and i see accounts on a daily basis that have a pay history that is worse than mine, more extensions, higher apr and per diem and their principle balances are going down with every payment. I have had to recent complaints with Santander and each time nothing is explained. the only thing they want to explain to me is simple interest finance, and i understand SIF i work with it, however they way this company has me in the loan i will pay off this loan 3 times in a half before its paid off, if i make two more payments i will had paid the vehicle off one time. This is a predatory loan, no one can give me an amortization schedule informing me if i pay on time this amount should go to principle and this amount she go to interest, no on can give me this information, again all they will explain is interest. Something is not right, its not fair, i am doing what i am supposed to do. my payment each month is round off XXXX, the last time i spoke to an agent she inform me that i would need to pay XXXX $ plus some more to bring me current, yet when i logged into the system i was current. I was informed that i have to pay my regular payment, plus i need to pay the interest that has accrued within the month that i was n't even due. I am being penalized daily for being on time, with the amount of interest that is accruing by the time my payment is due my car payment would need to be increased. I am tired of speaking to people that state they understand my concern yet will not do anything to see why these payments are not being allocated properly. When i drove off the lot, i had no idea how this loan would work, i thought if i made my payments on time, make extra payments, pay before time, the principle would decrease. Even with the extensions and due date that should have been moved to the end of the loan my payments should be decreasing. I need someone to look into this and see what the problem is. because i am not getting any results from Santander.
I am presently working with a debt consolidation company to resolve my debt with XXXX XXXX. For over a month, I continue to receive up to 20 calls per day, and family members do as well. Now, texts are being sent to my family members with my information. I have communicated to XXXX several times to only contact me, but this has not been respected. My family members continue to be harassed, and my place of employment was contacted as well, which I know is not allowed. This is unacceptable to me. I have now requested that ALL calls cease immediately. I have not been successful resolving this issue with XXXX XXXX, and I am aware that the tactics they are using are not allowed.
I am trying to remove dispute remarks from my Experian credit report. I have XXXX accounts with XXXX Student Loans which I am not disputing. I have informed both XXXX and Experian I am not disputing them but neither claims the ability to remove the remarks. I have XXXX XXXX XXXX. of XXXX student loans that have dispute remarks. I have contacted both Experian and XXXX XXXX XXXX XXXX and informed them I am not disputing the accounts. Neither one claims the ability to remove the dispute remarks from the accounts.
On XXXX XXXX, XXXX, my rent check for XXXX was mailed. On XXXX XXXX, XXXX, the " Pay to the Order of '' on the XXXX rent check was altered and cashed at a XXXX Bank. On around XXXX XXXX, XXXX, I filed a fraud claim with Chase Bank. Chase Bank said I would receive a refund in a few days. It has been 33 days and my refund still has not been issued. After contacting Chase Bank again, I was told by a supervisor that it could take 90+ days to receive my refund. When I asked to clarify how long the " + '' could be I was not given an answer. 

Chase Bank Contacted XXXX Bank on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX XXXX Bank has not responded to Chase Bank and Chase Bank has made no effort to follow up with their claim to XXXX Bank.
A company called " The Bureaus Inc '' is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$4600.00} but I have never done business with them and I have never received any responses to my requests for information. The account number on my credit is : " XXXX '' with an open date of XXXX 2013. I am getting all of this account information from my credit report. According to my report, it seems that this debt was related to an old XXXX XXXX account but this is what does not make any sense. I do have accounts with XXXX XXXX but all of them are in good standing. I have two active XXXX XXXX cards that I 'm currently using and paying back. If what this company is reporting is true and I really had a bad account with XXXX XXXX I would not have two open credit cards with them that I am still using. This collection agency is trying to scam me and they are refusing to verify why they are charging me this money. This is why I am filing this complaint. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. There is a 100 % negative review rating on the XXXX XXXX XXXX XXXX website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
XXXX of my customers file a dispute on a transaction after buying a scooter from me and keeping the items. Contact Capital 1 to get my money back on my account and fax proof of purchase and as of today Capital did n't credit my account back. Transaction amount of {$800.00}.
I replied to a letter about lowering my mortgage and the guy asked to run my credit and I told him no. He told me it would be a soft check and I agreed. It was not a soft check and showed up on my report in XXXX 2017. I called numerous times until I was assured that it was being removed. It has still not been removed and I received assurances a second time after filing a complaint with the BBB. It is still not fixed and the person contacting me from the company will not respond to any of my corresponances.
Immediately upon viewing my Janauary 2016 Chase Freedom Credit Card statement around XXXX XXXX, I called the credit card customer service concerning an unrecognized account activity of {$1200.00} dated XX/XX/XXXX16- Agent Fee Travel Service. When I spoke with the representative, he asked me if I purchased an airline ticket on that day, I checked my records and saw that I purchased a ticket to XXXX CO for {$360.00} with " XXXX '', However, there was an overchange of {$840.00}. The rep. told me that they can not assist me because I had given the merchant authorization to charge my credit card and it did not matter the amount. He said I had to take it up with the merchant. I followed his instructions which was unsuccessfull even through they admitted that they made a mistake by overcharging me {$840.00}. On XXXX/XXXX/16 after speaking with someone who had a similar experience and whose credit card company assisted them, I decided to call them back immediately. The representative told me that the time had passed for me to file a complaint and there is nothing that they could do. I am highly upset because if I was given the correct information when I first called in XXXX I would not be going through the frustration and headaches that I 'm going through to this day. I asked to speak with a supervisor on that day and explained my frustration, she advised me to write a letter explaining what happened, including the dates, individuals and copies of all correspondents with the merchant and the fact that a supervisor of the merchant company admitted that they over charged my card. Again I followed their instruction. On XXXX XXXX I received a reply from the credit card company stating that the charge remains valid due to the significant amount of time that has passed, and the merchant unwillingness to honor their request.