WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I was involved in a Car accident. The XXXX XXXX which worked for XXXX XXXX had no insurance. He was a XXXX. I only had liability with my insurance company XXXX XXXX was the company. They would n't do any thing because I was n't at fault and only had liability insurance. I made the repair and charged it to my credit card and figured I would be reimbursed. The company did n't. I advised Bank of America about the situation and figured they would assist and they did n't I gave them all the information. That is insurance companies the other drive etc. They factored the debt. Now twelve years have passed and they are still bugging me. Furthermore, I just received a letter just as my credit was being reestablished. This was resolved back in XX/XX/XXXX and now it is reappearing and I 'm not sure why because according to the Fair Credit Reporting act time has expired.
I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from Transunion, XXXX and XXXX and I noticed an unauthorized inquiry had been made. 
I contacted 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  XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter.
The debt occurred more than 7 years in the past. It is illegal to report credit items after 7 years. There was no way to verify the debt.
This is my second dispute on here for Experian. I had mailed and disputed on here recently concerning the different address 's that they had listed on my credit report that was wrong and incorrect. I have printed a credit report directly from Experian 's website that would support my claim. In which I have attached to this dispute. I am again disputing the address ; s that are listed on my personal information section of the credit report. My current address for the last XXXX years has been and still is XXXX XXXX XXXX XXXX, XXXX XXXX. The address 's other than this one that you have listed is not mine 's and should be removed. Here are the address 's that are listed on your credit report that are wrong and needs to be removed:XXXX XXXX XXXX XXXX XXXX , XXXX XXXX.This is my great aunt 's home and mineXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This is a friends house not mine and why is it even connected to me I do n't know. my goodness. 
Address : XXXX XXXX, XXXX XXXX identification number : XXXXType of Residence : Single familyGeographical Code : XXXXThat was the last address. Now I have also have another dispute that has n't been removed from my credit report which is a collection item from XXXX XXXX. Ths collection agency has sent me a deletion letter because the collection account that hey were collecting own should not have been. Could you please process the deletion off my credit report. My Utility Bill and my Drivers License for Verification of Identity is attached. I hope this is through enough for Experian to follow.
I previously filed a complaint against Rushmore through CFPB Case Number XXXX. Rushmore closed the complaint out with a reply, but the reply does n't make sense and leaves all our issues unanswered. <P/>The following are in Rushmore 's own words under quotation that prove that they are not being straightforward : 1 ) The {$44000.00} .. is the amount comprised of thirty-one past due principal payments. ; This amount would need to be added to the current unpaid principal. Obviously, if you add principal payments on top of unpaid principal then you are trying to collect principal twice.
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2 ) Rushmore advised you that the investor did not approve a modification outright ; Rushmore is unable to provide you with a breakdown of the modification terms because it has not yet been underwritten.. If these are true then we need to wait till the modification review is complete and the modification is definite. Why are you asking me to pay money upfront on a trial stipulation that will not prevent foreclosure? What will so suddenly change after the trial payments? I clearly see this as an attempt to collect money and still force foreclosure.
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3 ) Rushmore has acted in good faith and is in full compliance with all modification regulations ; At this time, the loan is still in modification review status. How can you be in compliance and still be in modification review status?
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I need clear written answers to above so Rushmore and I are on the same page with regards to this modification.
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4 ) IMMEDIATELY : Rushmore needs to immediately send us the check for {$1600.00} so that the roofing contractor can be satisfied. If the roofer puts in a mechanics lien which he is now entitled to put ; the entire modification process will be compromised.
I have been filing multiple reports with these three credit bureaus to no avail. Nothing has gotten done at all. I have an attached police report to this complaint and credit reports. There are so many items that do not belong to me on this credit report. I am tired of complaining and my next step is to file a lawsuit. 

The accounts that do not belong to me are : XXXX XXXX opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every single inquiry on the report except for XXXX and XXXX XXXXXXXX auto are not his.
This issues is in regards to XXXX XXXX XXXX XXXX XXXX   and XXXX, information provided on their customer portals, and information given by service representatives over the phone. I believe the company is providing misleading information and does not have consumer 's best interest in mind. 

I have been paying off my student loans for the past 2 years. I have never missed a payment and decided I wanted to be slightly more aggressive with paying off my loans. For this reason, on XX/XX/2019, I made and additional {$500.00} payment outside of my scheduled monthly payments. My goal was to pay off my loan with the highest interest rate. 

Great Lakes does have an option to specify which loan your extra payment will be applied. However, they also have statement on their webpage saying " Once your scheduled monthly payment and all outstanding interest has been paid, we automatically apply any excess payment amounts to the loan with the highest interest rate, thus costing you less interest over time. '' This statement is telling you what will happen if you do not select a specific loan for the excess payment to be applied. 

A few days later, I logged-on to my online portal to ensure the {$500.00} was applied to my loan with the highest interest rate only to find that the excess payment had been distributed across all of my loans. I have 4 loans serviced by Great Lakes with amounts varying from {$2000.00} to over {$30000.00} ( perks of XXXX XXXX ) with interest rates varying from 3.15 % to 6.55 %. 

I called to inquire. I thought it might have to do with the timing of the extra payment in relation to the monthly scheduled payment. 

The customer representative who spoke with me informed me that 1 ) excess payments are not automatically applied to the loan with the highest interest rate but rather my excess payment had been distributed in my " best interest '' with a high percentage going towards loans with higher balances and 2 ) I needed to specify if I wanted the excess payment applied to a certain loan. 

The information shared over the phone and what is happening in practice goes directly against information provided on the website. More alarming was the pressure from the service representative to pay-off higher balance loans rather than higher interest rate loans.
I have an ALLY FINANCIAL charge-off on my credit report that should have been covered by my GAP insurance. When I called they said that I was not covered for this debt because I had a late on the account. There is nothing at all in my contract that states my GAP coverage would not charge if there was a late on my account. I want this debt and account removed off of my credit report.
To whom it may concern, I have been seeking for help in regards to my mortgage, and I have been paying different company and this last on company XXXX XXXX XXXX is the last. We been on and off to the court and tried to save my house for the sake of my kids and myself. When I got divorce I was dealing with XXXX who was my servicer before Ocwen. I applied for hardship to XXXX before explaining the hardship they denied my application but they were accepting my payments for a year every month paid them {$1500.00} till XXXX on XXXX from there I stop paying XXXX because they told me that my payment was not applied to my mortgage. Ever since then I was n't paying anything to XXXX then find out later my new servicer is Ocwen. Ocwen been really determined to take away my house for years and they cant even provide me the orginal note that stating they own my home. I am hoping will someone can help me. Paying this company filing cost and her service draining me out. We tried to modified my mortgage they approve me twice but the trial payments they givin me was too much for me to pay so I refused to pay the trial payment because I assumed to modified my mortgage is to lower my monthly payment but its more that what I have to pay. I am a single mother and I was divorce and im the only name in the mortgage but my ex is still in the deed but he is not helping me to save the house because my name on the line. It has been so emotional hurtful for me and my kids are affected to the situation scared to be someday thinking we going to be on the street or asking help from the government for homeless people. I tried my best to have my family be on the good shelter and have maintain job to support our needs as mother. We do n't want to be a burden to the government and just tried to keep this house to the level of what we can afford. I am sure XXXX XXXX XXXX did illegal documenting my mortgage and Ocwen as my servicer can provide the facts original note to present to me that they own my home ... I am asking your help in regards to my situation. Ocwen is giving me a hard time and every time they tried to sale my house it feels like im going to die for all this emotional worries and scared where we gon na live if they take my house. I have been representing myself in court with the help of this company XXXX XXXX XXXX. Please help me ...
When I first noticed this collection on my credit report, I immediately disputed it due to the fact that I have No knowledge of it. The credit bureaus has not yet removed the items from my report.
I was XXXX and on my XXXX I visited XXXX and as a federal employee there is a co-pay paid up front of {$35.00}. This was paid and I received medical services. I went back to XXXX from my XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in 2012, I ran my credit report and saw an XXXX XXXX bill and paid the {$70.00} on XXXX XXXX 2012 ... 
from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations XXXX XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX one year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with Equifax under XXXX XXXX XXXX, XXXX. XXXX stated they called Equifax to have them remove immediately, yet Equifax is still showing as a collection and a balance due of {$70.00} with XXXX and not XXXX.Equifax is not using due diligence and is ignoring both me and MC. 
***XXXX removed from credit file yet, Equifax is still showing as a derogatory remark
I decided to find a loan forgiveness program to start paying off my student loan and so it would not go against my credit score. I received a letter in the mail that said i I maybe eligible for services. I called the number and talked with a representative from Ameritech Financial. Her name was XXXX XXXX. She told me that i would pay {$170.00} for 13 mos then the payment would decrease to {$99.00} the 14th mos and going forward. She then transferred me to another agent who said that i would have to give my bank info because the payments had to be direct deposit so i did. Every month, they have been taking out {$170.00} and now {$99.00} as they promised. I have received a letter in the mail from federal trade commission that they are sueing Ameritech Financial for deceptive practices and the court has not ruled yet and that the money I've been sending them is not going towards my student loan. It also said for me to file a report and call them directly to cancel my membership which I will do after filing this complaint. I can send more documentation showing payments and the contract I've made with them if needed.
This is one of many issues I have had with Wells Fargo since the inception of my loan on my Maryland Property in 2004. After many years of endeavoring to obtain a loan modification, my status is in active foreclosure EVEN THOUGH Wells Fargo has received, and accepted, XXXX straight monthly loan payments for the full amount of the monthly payment due and owing. They have scheduled a sale even though they sent me several letters stating " we will not conduct a foreclosure sale '' while my most recent loan modification submission is under review. 
That said, not only have they scheduled a sale, but I ca n't even get in touch with my " home preservation specialist '' ( " XXXX XXXX '' ) as Wells Fargo 's switchboard blocks any calls to her. In fact, I have NEVER spoken with her. 
I have complained to the Executive Office ( CEO XXXX XXXX ) but all they have done is schedule the sale. 
The attorney 's they use here in Maryland paid a fine and were sanctioned by the Attorney XXXX XXXX for robo-signing and false notarizing. That is a matter of public record- just look up XXXX XXXX ( SEE http : XXXX ) and/or XXXX XXXX ( SEE XXXX : XXXX ) Against this back drop, I am gainfully employed at a XXXX figure salary and can make my monthly payments in full even if WF does not lower my payment. So, at this point, diverting my phone calls, ignoring emails, sending form letters, dealing with sanctioned attorneys, tendering payments which are being cashed, they are still moving forward with the sale. 
Wells Fargo 's conduct is deplorable, likely illegal, and clearly unethical, though I am not sure WF knows what that mean or, if they do, they clearly do not care. They need to be fully accountable for their actions complained of herein. 

XXXX XXXX XXXX, XXXX.
On XXXX/XXXX/2016, I mailed a cashier 's check in the amount of {$520.00} to Continental Finance to payoff the balance of a credit card account. Also, on XXXX/XXXX/2016, within the same correspondence, I requested that the issuer close my account and send verification that the account has been closed. This has yet to occur. 

On XXXX/XXXX/2016, I sent another letter to the credit card issuer requesting closure of my account, and as of XXXX/XXXX/2016 the account is still open. I do not understand why this bank refuses to close my account.
Portfolio Recovery Associates has illegally placed a debt on my credit. I have no knowledge of this debt and I do not have a contract or agreement with this company. This company did not legally provide any written contract information in regards to this debt nore did they contact me in regards to this debt. They have violated my credit rights and need to remove this account.
I have written to all major credit reporting agencies ( XXXX, Experion, XXXX ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be deleted.
Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates :XX/XX/XXXXXX/XX/XXXX I do not recognize this company and have no knowledge of giving  permission to pull my credit.
XXXX/XXXX/2016 I contacted the Ditech Mortgage to find out where to send a check from the insurance company due to a fire claim. The representative told me to send it to a XXXX Illinois address. It was received on XXXX/XXXX/2016 at XXXX XXXX by XXXX XXXX. On XXXX/XXXX/2016 I contacted Ditech to make sure the check was received and the rep told me yes, but it went to the wrong address. The rep assured that it will be okay but claims will need to forward the check to the claims department to be processed. On XXXX/XXXX/2016 I contacted Ditech again because my account on the internet did not reflect any activity. Again I was told by a rep and management that the check will be posted on that day. After checking my account on the internet again on XXXX/XXXX/2016 with no activity I contacted Ditech to be told that it will take 7 to 10 business days to process by claims department and then sent back to payoff on XXXX/XXXX/2016. to be processed and check should be mailed the following week. On XXXX/XXXX/2016 checked the internet no activity contacted Ditech and to sum it up every call I got a different answer and empty promises. I continued to check the internet to find no activity so I contacted the XXXX which is a subsidiary of Ditech LLC. I spoke with XXXX XXXX and he referred to upper management on XXXX/XXXX/2016 XXXX XXXX Ext XXXX. XXXX stated the payoff was expedited and we show paid in full on XXXX/XXXX/2016 and I confirmed paid in full. However, XXXX stated if it showed paid in full he will expedite and contact me on Monday XXXX/XXXX/2016. On Monday I spoke with XXXX and customer service in reference to the payoff being incorrect. Instead of back dating the date of receipt it was dated as of XXXX/XXXX/2016. XXXX which upper management for compaints stated that he will look into it and call back and I have not heard back from him until this date. The company will try to tell you that I have cease and desist on my account. However, I had given XXXX permission to contact me in reference to receiving funds. I asked been asked to send letters and i have complied and now I am told that I have 30 days of posted payoff. My family and I have been through enough with the house fire and waiting on the insurance company to pay for the loss of my home. This is undo stress on myself and family. Please take this message as a sense of urgency due to my family and I not having home. I have lost bids on several homes due to not having sufficient funds to pay for a new home. Please see attached documents and audio to document my claim.
This is my first time attempting to correct my credit history. I had many judgements against me and my property. They have since been clearded theough the XXXX, XXXX Md. Please help resolve this issue. Thank you!
I explained to credit card company that at the time I XXXX and my wallet got stolen my credit was done aftyer that day they open phones accounts water all kinds of stuff and I not able to fix cause every body thjat I try to talk to acts like XXXX
Hi I am contacting you because all 3 major credit bureaus have recently dropped my credit score due to fraudulent information being reported on my credit report. Let me first start by saying my name is XXXX XXXX and these accounts listed do not belong to me and are fraud I am a victim of identity theft and I want these account removed off my credit report at once because they do not belong to me and were opened with my consent XXXX XXXX XXXX XXXX XXXX/XXXX Also there are several credit inquiries that are also listed that are fraud and I want those removed from my credit report as well. These companies have dropped my credit score significantly do to this fraudulent activity and I want a accurate credit rating not one that's built on fraudulent credit ratio. Also the balance reporting on my XXXX XXXX card is wrong on XXXX and XXXX  because I paid my balance off in full so I don't owe them anything. 
Also my balance at XXXX  bank and XXXX XXXX bank, XXXX, XXXX  bank all need to be updated because all cards that I mentioned are showing inaccurate balances which is another reason my score dropped tremendously. And last but least this account XXXX Inquiry from XX/XX/2018 Is also fraudulent and does not belong to me and I would like it removed from my credit report.
I called Experian to request proof of investigation results for XXXX XXXX,2017 credit report. I talk to XXXX in the dispute department. She advise me that Experian is not able to provide proof because the company do n't have it. So, I told her that they are in violation of Section 609 of FCRA, for reporting accounts as verified when they never verified any accounts with actual physical contract. XXXX, was like ok file a complaint cause we will not remove the negative accounts. Even when we ca n't verify that the account are 100 % accurate. I asked her again to see if she understand the statement she made. XXXX, was saying that Experian is knowly violating my rights under FCRA.