WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, I acquired an auto loan for a XXXX Mitsubishi Lancer through BBVA Compass Bank. The monthly payment due at the time was ~ {$190.00}. Which was made every single month, as is documented by the bank themselves in my credit report print out. I would always go directly into the banks physical branch to make my loan payment, and tell them to simply charge my checking account the minimum due - The exact same thing was said every single time. 

My vehicle was repossessed early this morning, XX/XX/XXXX. I called and actually logged in to check my loan status on their website, and they 've documented it as 95 days pass due, with a delinquent amount owed of {$1300.00} USD. The repossession branch I was transferred to on the phone quoted me at owing just under {$2000.00} by Friday ( XX/XX/XXXX ) in order to prevent the vehicle from going to auction. On the credit report I obtained today, the past due amount is {$970.00}. Also, on the report it 's clearly shown that XX/XX/XXXX, my scheduled payment amount was increased from {$190.00} to {$320.00}, which one assumed would have been mentioned when I gave them directions to charge my checking account the minimum amount. 

While on the phone with BBVA Compass, I attempted to ask if there was any way we could work together to pay this apparent debt off and reacquire my vehicle - I am employed full time as XXXX XXXX military, my income is secure. When I explained to them military pay schedules being on the XXXX and XXXX of each month, and there was no way for me to make a full payment of {$2000.00} in less than 3 days time, the conversation was essentially ended. 

Also, failing to tell me where I could at the very least go to my car and obtain my personal effects inside of it ( IE : personally identifiable information, personnel records, my uniforms and even the original copy of my marriage certificate ). 

Tomorrow I 'll be going to the physical branch in person as a last ditch effort to try to get them to cooperate in payments.
XXXX card placed a hard Inquiry to Equifax without my knowledge or authorization on XXXX XXXX 2016. 

I have done everything XXXX has asked me to do as they have admitted they have no knowledge why I have an Inquiry.
CITI closed my new XXXX Card credit card without prior warning. The account was in good standing, never a late payment and a low balance. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.
Dear Sir or Madam, On XX/XX/XXXX I inquired about a home purchase with XXXX and my credit was pulled for a USDA loan only. This credit inquiry is currently showing on my credit file as XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I got another inquiry from their preferred lender, Calcon Mutual Mortage via XXXX XXXX also known as One Trust Home Loans. I immediately called them and told them not to access my file again and to remove the inquiry. XXXX XXXX advised me that the inquiry would only count as one and that he could not use the fie obtain thru XXXX XXXX although they are located in the same office. On XX/XX/XXXX the lender again accessed my credit file without my permission this time showing up as XXXX XXXX XXXX via XXXX XXXX. 

On XX/XX/XXXX an email was sent stating I wanted to cancel my application with this company due to numerous lies I had been told up to this point regarding the home, the loan etc.. The company responded by sending me a statement of change letter on XX/XX/XXXX stating my application has been withdrawn. 

On XX/XX/XXXX the company again accessed my credit fraudulently, without my permission this time using the name XXXX XXXX XXXX XXXX XXXX. 

On XXXX I was advised that XXXX XXXX could not approve my USDA loan but was able to get my approved for other loan types that I did not give him permission to inquire on my behalf for. My earnest money was refunded to me on XX/XX/XXXX and I have not had further contact with this company. 

I'm filing this complaint to have all unauthorized inquires removed from all reporting agencies immediately or I will be forced to file a police report. 


thanks in advance
I sent a letter by mail on XX/XX/2018 to dispute information on my credit report to Equifax. Equifax has not responded in any way. I can not access any information at all from their website. It always states, " Your information does not match our records. '' I sent Equifax a copy of my driver license, a copy of my social security card and information regarding the dispute in question. This is the 3rd or 4th time I have disputed this item on my credit report. Equifax typically sends me an email with the results, but will not let me log into the website. The website perpetually says, " Your information does not match our records, '' Even though I am answering all of their questions accurately according to my credit report.
To whom it may concern, The reason why im asking for your help is due to our harsdhip that lasted over 12 months, as of last year my husband was in the hospital for over 12 months due to a XXXX. Within that time i was making our mortgage payments even though my husband was not working. 

I called my mortgage company seeking help since i knew our situation will get worst, my mortgage company told me that they will not help me because i was current with the mortgage payments. 

So i tried numerous times trying to get a manager since every single person that i spoke to from the mortgage company will refuse to transfer my call to manager, i had no help from them at all. 

After a few months my situation got worst, my husband was still at the hospital, i ran out of money to keep up with the mortgage payment and my mortgage company never answer my request for help to modify my loan. 

Now as of this year that finally my husband is out of the hospital and back to work, i re submitted my loan modification application again. I was assigned a person by the name of XXXX XXXX p. XXXX ext XXXX who has been working with me sincec XXXX of this year. 

It is now 4 months going back and forth with XXXX asking for the same documents over and over again. Now i just found out that even though i been under review for a loan modification they filed a Notice of Trustee Sale for XXXX/XXXX/2016. i requested for her manager and she told me that the manager was out of the office on vacation and will not be back until XXXX. 

It seems like my mortgage company all they are trying to do is delay my application to take away my home, they lie about the status of my loan modification and now they refuse to help me with the loan modification review.
I terminated a rental lease for serious medical reasons with the understanding, according to their contrac t ( Article 11 ) that they will work on renting the apartment as soon as possible. I agreed and offered to pay  the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,   XXXX   XXXX   XXXX   understands the legal relevance of his lease ; however the duty to mitigate damages is in issue here. As indicated above, since the  Landlord fai led to mitigate damages and failed to place the property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.
XX/XX/XXXX Ditech Financial, LLC Attention XXXX XXXX XXXX, AZ XXXX RE : Ditech Account number To Whom It May Concern : Per this letter, I deny, dispute, and challenge Ditech 's claim that I owe the above referenced debt and the amount asserted. This debt was erroneously applied to my name. The attached recorded mortgage release clearly indicates that the account in reference was only in my wife 's name and that it was cancelled on XX/XX/XXXX. We sold the property in a short sale, and the debt was considered paid in full at the end of XX/XX/XXXX. 

It is unclear how your company falsely acquired this debt after the property was sold and the debt was cleared out. Moreover, it 's not clear how or why you put this debt in my name. I want you to document that this debt has been satisfied ( again see attachments ), that it is not my debt, and stop negatively reporting false information about me to the XXXX credit bureaus. 

I want a full investigation of this claim so that this matter can be resolved immediately. For too long, your error has negatively impacted my credit. Please contact me via mail or email ( ) to document that this issue has been resolved asap. I look forward to the timely resolution of this matter. 


Sincerely,
I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus XXXX and Transunion. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call XXXX and Transunion they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, Transunion, XXXX, and XXXX. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.
Many attempts to contact XXXX XXXX XXXX during the past year are unsuccessful to resolve credit information affecting my personal credit file. Each attempt to telephone DISCOVER, I get the same bad customer service because the agents have NO AUTHORITY to produce any documents and I get transferred from one department to the next none of these agents can help me resolve any problem within their company. 

* XX/XX/XXXX, A letter was drafted to DISCOVER to affirm the provisions of a prior affidavit was not met and statement copies sent to me reaffirm that XXXX does not have any Proof-of-Contract to verify the alleged debt reported to the national credit reporting agencies ( XXXX, XXXX, XXXX XXXX, and XXXX ). 
* XX/XX/XXXX, I asked for proof of contract because DISCOVER has refused to even provide me with all the elements of a contract. The paper identifies all the elements of a contract and the fact the lender does not conform to Federal Regulation Z. There is also information that DISCOVER refused to inform the CRA that a report of Identity Theft was submitted per FCRA Section 605B and the lender refused to block information from credit reporting and/or inform the consumer of any action as stated on the included disclosure. 
* XX/XX/XXXX, A Denial of Debt Affidavit was ratified by the Circuit Court in my jurisdiction that outlined the dispute I have with DISCOVER and their refusal to produce Proof-of-Contract necessary as UNVERIFIED CREDIT REPORTING remains on my credit File after a year of disputed verified by the CRA. 
* XX/XX/XXXX, I mailed a reminder to DISCOVER indicating that a rebuttal is required by XX/XX/XXXX in the form of a sworn affidavit to VERIFY the account reported is accurate and meets the legal definition as listed in XXXX Law Dictionary as VERIFICATION-of-DEBT. 
* XX/XX/XXXX, A ratified affidavit of Truth & Fact was mailed to DISCOVER to the address listed on my credit reports. Discover responded with a form letter stating their company refuses to comply. 
* XX/XX/XXXX a settlement offer was mailed CMRR to DISCOVER offering payment-in-Full in exchange for the instrument proving indebtness. XXXX XXXX XXXX never responded to accept my payment to settle the alleged account. XX/XX/XXXX, a second offer was also mailed CMRR, once again, DISCOVER refused my payment in exchange for the PAPER required to lend money or credit per TILA. 

There is no question that DISCOVER is not in compliance with the consumer lending laws and I demand this account be immediately DELETED from my credit file unless DISCOVER can produce a 'certified copy ' of the PAPER on file in the form of a lending agreement.
When i applied for med insure it was asured that it was hoing to get write-off The my XXXX account. Number and info so here it is it is critical i get this solve cus its affecting my credit score and were in proceds off pushasing my first home before my lease its up here. 
XXXX XXXX XXXX XXXX. Effective XXXX XXXX 2016 XXXX health plan XXXX XXXX social worker contact phone its XXXX worker id num its XXXX id number XXXX id XXXX Case XXXX XXXX so please fix this my number its XXXX thanks.
I received a collection notice from Credit Collection Services about a medical bill for date of service XXXX/XXXX/17 when I was a minor. I just turned XXXX in XXXX. Not only that but I have two insurances and my secondary covers the remainder of my services. I want this deleted immediately as I am not reponsible for this debt.
I purchased my house in XX/XX/XXXX my mortgage company was XXXX XXXX XXXX. In ct u have to pay ur taxes and my flood in a advance before you close. XX/XX/XXXX freedom mortgage bought my mortgage from XXXX XXXX. I'm getting letters from freedom mortgage that I'm XXXX in debt. When I call them and ask them why they can't give me an answer. And the only thing that changed was XXXX my property taxes went up XX/XX/XXXX. I tried 2 times contacting freedom to find out where the probaly is. They sent me 3 different statements wanting different amounts. I dont know if it stems from XXXX XXXXXXXX which I asked for my papers they claim they don't have anything on me cause I'm no longer with there company. XX/XX/XXXX I called freedom at XXXX XXXX trying to request an escrow analysis. The woman # XXXX was basically denying me says I dont have a valid reason to have one. Then continue to explain I had one in XXXX by the state of ct.and would send that analysis that they claimed they sent me already. Then she continues to say i need to have a cusion of XXXX in my escrow. Im very concerned I never missed a payment I can't get a straight answer out of any one. I'm going to make my XXXX they wanted XXXX. Then it was XXXX. Now it's XXXX. My credit is gon na b affected by not giving XXXX that I don't have.
Nationstar Motgage will not give me a copy of the Lender Placed Insurance they placed on my property for the last 3 years.
Robert Colclough, III attorney has obtained a judgment in  XX/XX/XXXX  ( that I was never served a summons for, nor did I get any kind of communication that I was being sued ) for a credit card debt that was charged off in  XX/XX/XXXX . He recently obtained an earnings withholding order to garnish my wages. My issue is that according to the statute of limitations in California, he should n't have been able to obtain the judgment, secondly I sent him a letter last  XX/XX/XXXX  stating I wanted the original creditor 's signed agreement with me, all charges obtained with that credit card, and  a breakdown of the total amounts due. He neglected to provide any of those things that by law I am entitled to. According to the Fair Debt Collection Practices my rights have been violated and I want recourse. I am pursuing ever y legal avenue ava ilable to me.
I was a victim of identity theft and noticed a collection from RentRecovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RentRecovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Despite 3 written request, the unverified items listed below still remain on my credit report In the results of their first investigation and subsequent reinvestigation, they stated in writing that these items were " verified '' and " reported correctly '' They are required under the FCRA to have a copy of the original creditors documentation on file to verify this information is mine and correct. They refuse to give me any documentation to show my signature on any contract as it is required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

I have contacted the bureau on multiple occasions with receipt certifications that they have received my letter and concern. Now, I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( I RECENTLY RECEIVED A LETTER ASKING FOR ME TO VERIFY MY PREVIOUS ADDRESS AND SOCIAL SECURITY NUMBER FROM THIS COMPANY )
I did n't receive a notice of right to dispute. I sent XXXX ACCOUNT RESOLUTION a letter over 30 days ago about this account and the original creditor information and have n't not received any information. Also, I wanted this collection agency provide proof that they have been given the right to collect the debt or they have purchased this debt. Per FCRA, I have the right to sue this collector for reporting negative information without validating and providing false information. If this account is not deleted I will file a lawsuit.
On XX/XX/XXXX Westlake financial received a payment and then showed up to repossess our vehicle after the payment was made. I was told that they would be taking care of the repossession and fees. Later, they put a rendered repo on my credit. I called the company for a year and finally talked to their head of legal. He informed me it would be taken care of. I then received an email stating that they would be removing the repo from mine and my husbands credit and it would be complete by XX/XX/XXXX. It still remains. I have sent multiple letters, called the company MANY times, sent letters to the credit bureaus and called the credit bureaus and still nothing has been done.
On XXXX/XXXX/15 at XXXX atm location XXXX I went to the atm to make a cash deposit as I always do. The bank was closed at this time. I selected the option to make a deposit and put the amount of {$640.00} into the slot that collects the deposits. After that the machine said there was an error and the atm was unavailable to use. It rejected only {$2.00} cash instead of giving back the amount I inserted of {$640.00}. Then a receipt printed out saying " deposit error unable to process transaction ''. I then called the bank and reported what happened and filed a claim. Following that I faxed a copy of the receipt the atm printed to the bank. I received a provisional credit for the amount of {$630.00}. Then I received a letter on XX/XX/XXXX stating they reviewed my account and they determined the transaction was processed correctly and no error had occurred and they would be deducting the {$630.00} provisional credit on XXXX/XXXX/15. I then called the bank again and was told that there was no overage in the atm so they had to deny my claim. There was no review of the surveillance tape which you would have been able to see me count the {$640.00} and deposit it into the atm. If my transaction was processed correctly and no error occurred then there would be record of my deposit and the atm would not have printed a receipt saying deposit error unable to process transaction. I feel that the bank failed to thoroughly investigate my claim. I am also going to small claims court to file a claim to take this matter to court. I have had the same checking and savings accounts for thirteen years, since I was XXXX years old and have never overdrawn my account or had any negative activity. After always having the same accounts and being comfortable with the company for so long I will now have to take my business elsewhere. Enclosed is a copy of the receipt that printed out at the atm and also the letter I received stating my claim was denied.
The following Bank allowed a family member to sign and obtain a loan with me as a cosigner. I did not approve nor have knowledge of this account nor would I have been able to qaulify for this loan. USAA allows consumers to get a loan over a cell phone and digitally sign without any other info being obtained. I have tried to fight this on my own with USAA but have been unsuccesful and after trying to find contact info as well I see that this is a regular occurance for USAA. They stick their customers with most FRAUD and tell them it is them and make them liable for fraudulent charges. THIS MUST STOP! 
You can not even get contact info a last name or a way to follow up with anyone, ever, at USAA this is the biggest scam ever!! My local banks would never treat me like this and USAA does it under the name of our service man. WHAT A JOKE!! 

USAA FED SVG BK - XXXX XXXX XX/XX/2018 from XXXX Other/misc. Banks XXXX XXXX XXXX XXXX, TX XXXX
I filed a previous complaint against Barclay regarding an offer I appliedfor and was accepted by them on XXXX XXXX, 2014, for a credit card0 % interest for 14 months. I received no email from them as I was told Iwould verifying the terms, nor did I receive anything through the postalservice. Upon receiving my XXXX statement, there was no interest charged. 
on that statement. On the XXXX statement, there was. I looked and sawthat I was being charged a rate of 24.99 % interest. I would NEVER haveapplied for any card with that kind of interest. I did n't need the card, but Ithought 0 % interest for 14 months was a good deal. You sent me anemail with a link indicating I could see the response from Barclay. Theonly thing it shows is that it is " processing ''. There is no other responsefrom them. I received a phone call from a woman, whose name I did notmanage to write down, telling me she was going to look into the matterand get back with me. She called me a few days latter, assuring me that, indeed, this is the rate I would be assigned and that this offer was notmade to me by Barclay, that it had to have come through XXXX XXXX. 
I figure she obviously knew that offer was out there, or she would n't haveknown it came through XXXX XXXX. Your report says it is " processing '', while her indication is that Barclay has finalized their review of the matterbecause she told me they would not be able to put the 0 % interest on theaccount. Again, I was misled when I applied for this card. I do n't knowwho made the offer, but it certainly appeared to be made by Barclay. Icompared it with XXXX XXXX XXXX cards, a XXXX card, and a XXXX. I did n't bother to compare it with a XXXX XXXX XXXX card, as I don'tlike XXXX XXXX XXXX nor do I trust them. I no longer trust Barclay, either. 
All of the cards I compared had either a 0 % interest in some form, no feeor no balance transfer. I chose Barclay because of the 0 % interest for 14months. Again, I have the documents to prove my assertions. I amunable to save them to my computer hard drive files, despite manyattempts. No doubt, Barclay has a good reason for that. I can provideprinted out copies, however.