WillisBack/dataset-financial-user-claim huggingface dataset:
There are many errors and misinformation on all three credit reporting agencies. Inquiries I have not authorized about  XXXX  or more. Aka : that is not my name. I 'm locked out of all three credit reporting agencies, only able to access bits and pieces through different sources. My score drops at a ridiculous rate because my report is wrong. Went from  XXXX  last time I could actually see full report to  XXXX   (  just able to get  XXXX  single score ) its like a confusing maze that makes it impossible to correct with the  XXXX  agencies. Its financially harming me. Bottom line is that something/s are happening to my credit and its not me. I need to access full reports from all three credit reporting agencies ; review ; notify them of wrong info ; and then monitor it to have them remove all wrong info, unauthorized inquiries, aka : that are not me, and derogatory items that are  XXXX  and duplicate accounts are corrected.     The process I just described is wrong- when I ca n't see report ( I 'm prevented but others are not apparently ; I need to address serious things that make little sense ( I 'm being told this thru letter of denials, some I do n't even know how they got my name .... ) ; I need to fix and fallow till all mistakes that have been removed ( many, many not by me ) then the credit reporting agencies can give accurate description of my credo worthiness to the creditors I actually contacted and authorized. I feel as if what is happening to me is horribly wrong and no agencies are taking no accountability for harming my financial future. Please help me. ADA
I have been trying to get a loan modification for a year. Two separate and incorrect appraisals were performed which indicated my home was worth much more than it actually is worth. After disputing this over the course of several months, a correct appraisal was performed. I resent all the paperwork necessary for a loan modification and was told my application was being considered. That information was given to me on XX/XX/XXXX.by my assigned asset manager. I continued to try to make contact with the bank, leaving messages each time but never got a phone call back. Finally on XX/XX/XXXX I received a message that my primary contact was no longer with  the company and I was given another contact. Again I had reached out but we kept playing " phone tag '' On XX/XX/XXXX I finally spoke to yet another representative assigned to my file. From the conversation, it sounded as though my file was lost or somehow unattended. but now the file would be " escalated ''. I received a letter from the bank requesting items that don't exist and have been trying to reach the new representative to try to clarify exactly what they need to move my application along. I have left 4 voicemails over the last couple of days. I left specific information on when I could be reached since we are in different time zones. As I am on the West Coast, I said I could not be available until XXXX PST./ XXXX EST. Instead he left a message at XXXX PST. I am really concerned this is their " strategy '' to avoid working on my file. They have made themselves almost completely unavailable to me. As I have a deadline of when I need to submit the remaining paperwork and documents I am very concerned that I can not reach anyone at the bank. From the outset, this bank has made mistakes on my file or have been obstructionist.
Purchased a XXXX XXXX in XXXX of 2012, I had n't had the vehicle 6 months and the motor went out in the vehicle. I contacted my finance company to advise them of what had transpired and due to the fact of not having the vehicle long. What where my options for the remaining balance on the loan I had taken out. I spoke with multiple representatives and finally was advised to get an estimate on the motor. They wanted to see if the cost of the motor exceeded the value of the vehicle. I obliged, visit a mechanic and was advised by then the motor would be worth more than the vehicle, due to the fact the vehicle was XXXX XXXX XXXX. I submitted all proper documentation to United Auto. I then began getting the run around for about 60 days. Every time I made contact with the representative I was dealing with, he would state call back tomorrow he would have an answer. Then it turned into he 's not in the office, I would be transferred to someone else they stated he was the only person I could speak with. Finally they advised the representative no longer was in that department and they could do nothing for me. I would have to come up with the full balance or they would deem it as a repo, and place it on my credit. I then inquired could I pay a smaller portion to avoid it being placed on my credit, they stated I would have to give them XXXX and it would n't be placed on my credit. Mind you at this point, I 'm out of a vehicle, it 's now past XXXX and I had purchased another vehicle within that time frame. I stated this was n't right could this matter be escalated? They stated no, my father intervened and they gave him the run around as well. By this time they had already filed a repo and placed it on my credit. This
My mortgage company Ocwen offered me a trial plan XX/XX/2013 under the HAMP program. I made all the trial payments, then made additional payments at the trial plan amount. They told me the modification was being generated. Then they told me the modification was denied and that I had to apply again. They did not give me a reason why the modification was denied. Now they are denying me saying that the investor does n't participate in HAMP. They refuse to give me any proof that my investor does not participate.
I 've tried to dispute with credit reporting bureau ( Experian ) on line, there system stops me from logging in. Their online systems wants consumers to apply for {$1.00} free trial, I have an existing account and report number to log into my account. 

the following creditors do not have my account : XXXX XXXX and XXXX XXXX XXXX do not have my account, I have called both companies and they have stated they do n't have my account. these accounts need to be removed. 
XXXX XXXX XXXX that has XXXX account is using fraudulent open dates to keep my account/debt open. I have never opened an account after XXXX. Last date shown being opened is XXXX, I have not reopened or opened an account with XXXX. after 7 years this account should have been removed. In XXXX this account for XXXX should have been removed. Due to XXXX fraudulent tactics this " BAD '' DEBT has appeared on my credit report for over 4 years which resulted in me not obtaining credit, credit cards, automobile loans, housing, employment, and high interest on perscpective loans.
XXXX XXXX XXXX, XXXX represented XXXX and XXXX XXXX in regards to their residential refinance. On the date of the funding ( XXXX XXXX ) we sent her payoff funds to XXXX XXXX, these funds on the payoff were good through XXXX XXXX. On XXXX XXXX ( 4 business days later ) we received a call from them saying this payoff was short. At that time the clients received called from them ( XXXX XXXX XXXX as well we received the following amounts from them advising us on the amount needed to get this mortgage paid off, the amounts were : {$1100.00}, {$190.00}, {$1100.00} and then the full amount of {$100000.00}. Once this was resolved over an hour phone conference with XXXX XXXX XXXX. # XXXX XXXX, our mutual client tried to pay this amount over the phone. We were told that XXXX XXXX can not accept payments over the phone and will only take certified funds to this short payoff. The client then followed the instructions and sent them via Fed Ex ( Tracking Number : XXXX XXXX the certified check in the amount of {$1100.00}. They stated that once this was received the account would be paid in full. Now fast forward to today, ( XXXX XXXX ) Our office received a check from XXXX XXXX in the amount of {$100000.00} regarding the amount that our office sent them back on XXXX XXXX. We are now back to square one. I have to now deposit this check and wire these funds back to them. I am concerned for the client that they are going to try to post late fees and this is going to be an on going process. The representative I spoke to now XXXX XXXX stated he has no notes in the system on the conversations over the past few weeks and will look into the employees that we spoke to so we can get this resolved. I feel immediate action needs to be done with this company. When this was going on even the employee XXXX was very sorry about this and stated to me that this happens all the time and they get a lot of complaints from people when they try to payoff their mortgages.
XX/XX/XXXX I had water damage. I filed a claim with my insurance company who issued a check to me and my mortgage company XXXX. I completed the required paperwork, endorsed the check and sent to XXXX. They promptly issued a check back to me. A couple weeks later i received another check from the insurance company. I filled out the paperwork, endorsed the check and forwarded to XXXX. The day before ( XX/XX/XXXX ) they were to issue the check {$2800.00} to me, my mortgage was sold to PHH # XXXX. I have made no less than 8 calls to PHH requesting that they issue to a check to me and they keep saying " we are waiting for corporate to decide when to release the funds ''. I have provided PHH with the document from the Insurance company regarding the Repair Estimate, completed and provided PHH 's Loss Draft documentation via fax, uploading into their website and US mail. I CAN NOT complete work on my home until these funds are received. I feel as if my money is being held hostage. I 'm living in a home that is in disarray as I can not complete the work without the funds. There is absolutely no reason why these funds should not be released to me ASAP.
I have tried a few times to check my credit and I am unable to get my credit report. It keeps telling me the information does not match when everything is 100 % correct. I do n't know if someone could have stolen my identity?
I had an installment loan with Atlas Credit Company , Inc that was opened on XX/XX/XXXX for {$550.00} with monthly payments of {$64.00}. This account was settled and paid as agreed in XX/XX/XXXX. On XX/XX/XXXX Atlas Credit Company falsely reported an account with their remarks " included in bankruptcy- acct closed due to refinance '' remarks that account is included in bankruptcy is inaccurate because I have never filed bankruptcy as it clearly will show in my credit file. The account that I had with Atlas Credit Co. was paid in full as of XX/XX/XXXX and has a XXXX balance. I contacted Atlas Credit on XX/XX/XXXX XXXX XXXX and spoke with XXXX XXXX, CFO for company about this and he disclosed to me there was an error with their reporting system and the company was currently working on getting it corrected. I filed a dispute XXXX XXXX and XX/XX/XXXX and the investigation results are the account was verified as accurate by Atlas Credit and remains in credit file. On XX/XX/XXXX I emailed XXXX XXXX regarding dispute investigation results. He sent me an email with the attached PDF for the Correction Form that was submitted to XXXX & XXXX on XX/XX/XXXX after the issue was resolved with the reporting company and he said Once this form is submitted to the bureaus, it is then on the bureaus to properly update their records to match our correction form. The account is showing that I have filed bankruptcy and is showing an adverse delinquent account. I have given both XXXX and XXXX XXXX more then enough time to get this corrected and it has yet been done.
Attempting to get my excess Escrow balance refunded to me. Current balance : {$1500.00}. Required Cushion/Minimum Balance : {$300.00}. Company admits there is a problem, but will not release funds.
I am victim of identity theft. Someone stole my personal information and identity. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are all unauthorized and fraudulent inquiries.
Purchased items using both a Discover It and Discover Miles credit card using Apple Pay for the 10 % promotion XX/XX/XXXX-XX/XX/2014. The purchases were flagged as ineligible for the 10 % promotion since they were gift card purchases. Was asked to submit receipts for purchases to prove that they were not gift cards. The receipts were long gone by the time they had sent the e-mails. No other recourse other than to dispute or file complaint.
Other at fault driver hit my two week old car. I traded in damaged car. Accepted fact of damage from dealer my loss $ XXXX. I sent at fault ins company proof of loss. The dealer conspired with the insurance company and stated No damage was deducted from trade in damaged car. ( see letter from XXXX ) The insurance company refused to pay my actual loss as a result of the information supplied by the dealer..I consider this a conspericy to defraud me from my actual economic loss from the accident.
I have disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXX XXXX  XXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX  XXXX XXXX Account # XXXX - I have always paid on time, the XXXX and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.
I have reviewed every piece of correspondence provided to me issued by Bank of America since XXXX XXXX and no where do I find any statements addressing to the issues that may be litigated in California Superior Court. 
In addition to the issues raised in the XXXX XXXX, XXXX CFPB Complaint, the below matters have also been left unaddressed and unresponded to. 
The who ( which Bank of America Department and/or representative, including the title and duties of position as a Bank of America representative ), the when, and the why of the decision made by Bank of America not to provide me the Bank of America Appeals Department determination on appeal in writing of both the XXXX XXXX Appeals Report and the XXXX XXXX Appeals Report. 
The who, when, and why of the Bank of America decision to have the Bank of America Underwriting Department provide me knowingly false information releted to the Bank of America Appeals Department Appeals Reports and represent to me incorrect home loan mortgage account status, MHA HAMP and MHA HAMP TPP status. 
The who, when, and why Bank of America, through their representatives, were allowed to state in writing what amounts to multiple admissions of violations of applicable laws, regulations and guidelines including, but not limited to, the lack of knowledge and compliance of specific requirements agreed to under the Bank of America and the Department of Justice and States Attorney General related to and raising from the mortgage crisis and disstressed borrowers. 
The who, when, an why of the Bank of America decision to cause the Cease and Desist Code to be placed on this home loan mortgage account. Also, the who, when, and why Bank of America caused the Cease and Desist Code was removed from this home loan mortgage account. 
The who, when, and why of the Bank of America decision to initiate the foreclosure process when every Bank of America representative regardless of capacity, duties and responsibilities, who accessed my home loan mortgage account to conduct a review, make a determination, or to create and destroy account documents and documentation of the account, records, history, and prior determinations knew the true and correct status of this home loan mortgage account and the prior actions and decisions made on the account during and throughout the modification process ( as required by the various laws, regulations and guidelines ). 
Again, while Bank of America has provided written responses to prior CFPB Complaints, not a one actually addresses their actions and issues that arise from those actions on the part of Bank of America. I sincerely hope that Bank of America decides to make a good faith effort to address and resolve my long standing and on-going concerns this time around in my effort to avoid civil litigation and keep my home rather than continue on as they have been throughout the modification, loss mitigation, and workout processes as they relate to this home loan mortgage account and disstressed borrower. 
I did n't default on Bank of America , Bank of America defaulted on me.
Experian is reporting negative, inaccurate and unauthorized inquires on my credit report and have refused to correct and remove them. I written Experian letters and spoke with them by phone informing them of my concerns. I told them that the inquires reported on my credit profile seems to have come from their pre-approved credit offers mailing lists. I requested that these inquires be removed from my credit report and to remove my name from their mailing list. I told them that I did not give my authorization to any of the companies they are listing below : XXXX XXXX ID No. : XXXX XXXX XXXX, XXXX Credit/Kearny XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX Bank ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX INC ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX XXXX, Apr XXXX, XXXX XXXX ; ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX XXXX, ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX ID XXXX. : XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX bank NA ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX explain to Experian that I did apply for a car loan in XXXX, XXXX with XXXX XXXX XXXX XXXX, which is not being reported by Experian, but none of the above mention companies had my permission to run my credit.
On XX/XX/2018, I received a response from TransUnion about a dispute I had with them involving verification on two accounts listed on my credit report. I am demanding that they inform me of how they have verified these erroneous reporting accounts as this is an act of defamation of my character and demonstrates an act of supporting identity fraud. I have included their response in this complaint which proves they showed me no verification of these two erroneous reporting accounts.
Charged {$14000.00} XXXX XXXXXXXX on XXXX Citi credit card on XX/XX/2018. It was my understanding that based on XXXX Citi Visa Card web site that trip cancellation was covered. while trying to make a claim i was told that the business version of this card does not have this benefit. This is not stated on the web site. I have the non business card also and would have used it if it was stated on the description of benefits
It was many years ago when I got a check cashed at check n go.I did n't have the money to pay them back so I did n't pay them They never bothered me about it until about a month ago.That was around 10 years ago.Now they say I owe them XXXX dollars and threaten to put a levy on my bank account.I am on social security and can not pay it.
Navient chronically calls me about my loan being past due. Except it is n't. I 've printed a screenshot I would love to upload for you that is worth 1000 words. They constantly force you into the e-communication portal, but they never send any e-communications before a payment is due. I managed to get a 3 way call going with an attorney, and so now I get paper billing. Here is the issue with that ... my loans are due on the XXXX, and the billing comes on the XXXX, so that 's pretty useless as a reminder for the current month, so just get one month ahead ( which is fine ). But, I can see why they are being sued. Furthermore, my loans got LOST for years ( unsub and sub got split, there was a medical bankruptcy ) and there is a question about how much interest is my issue after the fact. XXXX XXXX was a whole other horrendous battle, I made repayments 3x to get the loans " rehabbed '' and they always failed to file paperwork on their end, which, as the customer ( and they swore at me, told me I had made a poor career choice, many other things ) should get me an interest load reduction. I can sue, or I can ask nicely and then sue. Either way, there are a lot of problems with all of these services and the QC is not there. Right now, if my loan is current, I would like it to be treated as current. No harassing calls, and for it to not show a due date of XXXX and then also say " past due '' on the same screen. Should be doable, correct?
I have a credit monitoring, last month Equifax, XXXX and XXXX were reporting, in XXXX, XXXX and XXXX are reporting but Equifax has no data, I have well over 30 years of credit, So I bought my credit report and score to compare what the credit reporting agency, and the bureaus have I bought XXXX and XXXX credit report and score but on XX/XX/XXXX I tried to purchase XXXX credit report and score and told to contact customer care, I did and they tried to get my credit report and score, so now I have been charged XXXX and told there is a problem with my report send my ss card and drivers license I did and got back an e-mail stating everything is fine, so I tried to purchase again on XX/XX/XXXX I was billed XXXX XXXX again, and no report, they said I needed to answer some questions I did, and the said it is fixed, so on XX/XX/XXXX I purchased again XXXX on the computer and XXXX from a customer service rep still I can not get my report, I paid them XXXX XXXX times