WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I walked into the chase branch XXXX to pay off the mortgage balance of {$49000.00} with a cashiers check. The teller incorrectly applied the payment to an auto loan with an excess of {$27000.00}. They have not been able to return the payment to apply it to the mortgage. I need this payment to be processed in order to close on another mortgage TODAY. I have spent countless hours trying to resolve this and no one can reverse the transaction until next week and they hold the money another 10 business days.
Equifax continues to report inaccurate items attached to a bankruptcy that is no longer reporting to my file : XXXX XXXX XXXX XXXX XX/XX/2010 no bankruptcy on file XXXX   XXXX XXXX XX/XX/2010 no bankruptcy on file XXXX XXXX XXXX XX/XX/2010 no bankruptcy on file 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a  consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Equifax has been malicious and bold in these matters because they have not been sued enough. I fully intend to pursue any and all remedies available to me ...
I am presently trying to lift freeze with the three credit bureaus. Everyone I speak to is a foreign. I can not UNDERSTAND what they are saying. I ask for someone that speaks XXXX and I get another foreign person. This is ridiculous!! I began by answering security questions about my prior employment so I could lift freeze. I was given 5 answers to choose 2 from. Only 1 was where I worked. The other 4 were - 1 was my medical insurance company that I have, 1 was a credit card that I had, 1 was a debt consolidation company I used, and 1 was a company that I did business with. What gives? Because I didn't choose one from the other four answers I will have to mail in letter with a personal info. There is definitely a problem with the credit bureaus and someone should address it. My credit report has a freeze because someone compromised my account. In 2016, I had {$16000.00} of charges racked up on my account that luckily my bank caught then Equifax said my credit report was compromised. If they are so great then how the XXXX did all my info get compromised!!!. Now they worry about keeping it secure. The saying is don't close the gate after horse gets out. Hope that this sort of thing gets corrected. I am DISGUSTED with how people 's personal information is stolen and there is nothing you can do about it. I'll try an attorney next.
I do not have SSN because I 'm on XXXX not able to work, therefore, XXXX does not issue SSN to me. 
However, I 've built my credit for over 10 months now, only XXXX provided me my credit report and score, as I requested, with alternative ID and security questions, while I dont have ssn. 
But Transunion refused to provide me my annual report & credit score just because I 'm unable to provide a ssn which I dont have, and I cant obtain.
After carefully reviewing my credit report for inaccuracies I noticed several and contacted   XXXX   via Postal Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report. Telling me that they will no longer investigate my complaint and to contact the original creditor. Which I have still have no validation of these debts. Four months later I still have no method of verification for the following items   XXXX   XXXX   #  XXXX ,   XXXX   XXXX   #  XXXX ,   XXXX   XXXX   #  XXXX .  XXXX  needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!
This problem begins with a *non-driver fault* failure of several components on a brand new leased Honda Crosstour EX-L which resulted in a 5 day stay at my dealer 's shop. 

This also followed a former 3 day stay at the dealer for a XXXX AirBag recall, and a 1 day stay for failure of center console latch and driver 's side door panel. This car has approx XXXX miles on it. ( This complaint wo n't even XXXX with the three day stay. ) During this latest incident, of " 5 Day Stay At Dealer '' I had to get a rental car and had to pay the gap insurance on it and the gasoline as well. After all Monday Through Friday without a car is tough. 

With the above said, I 've also ( additionally ) spent many hours the past two months trying to get payments posted on Honda Financial Services site, or figure out WHERE my payments went. Thousands of others are also dealing with that as well. 

*** This is n't how driving a Honda used to be. *** BUT WAIT, IT GETS WORSE ... 

I contacted Honda Financial Services to simply inquire about pro-rating the days out of my monthly payment during my most recent 5 day car-less period. I mean why pay a full month on a leased {$38000.00} automobile when a month is 25 days? I was n't sure they could do anything, and doubted it even, but I thought it would n't hurt to ask. 

The prorated amount is a measly {$60.00} ( 5 days worth of the month 's lease payment. ) XXXX has 29 days this year, for those checking my math. 

- I did n't ask for XXXX insurance reimbursal - I did n't ask for gas reimbursal - I tried to contact HFS MANY times, " All Circuits Busy, '' long hold times. 

I finally got thru and INQUIRED as to whether a pro-rate was something that could be done to make amends for a leased car that is sitting at the dealer, unable to be used. 

The Response? 

Honda Financial was WAY more concerned that I was potentially recording the call, even though they were recording mine. I was hung up on once, and only after agreeing to not record them I was then told there was nothing they could do, as they recorded me. 

The representatives are nasty, the do n't represent the Honda brand I once held highly. 

Look, this is n't a driver-caused problem. This is a customer forcing a business to treat all customers at least with RESPECT. 

Honda is having quality issues, specifically with Accords and Crosstour 's electrical components. Honda Financial Services is also having electrical problems it seems too ... as no one can post payments or get thru. 

I 've leased cars from other companies that would have gladly helped - they 'd given a demo car to drive, they 'd re-imburse, etc. It amazes me that car brand like Honda has de-evolved like this. 

In the end, Honda 's quality will be fine ... it is Honda Financial Services that may end up bringing Honda sales down as word spreads on social media. 

DO NOT LEASE FROM HONDA - GO TO YOUR BANK!
LoanCare/XXXX XXXX  company placed my mortgage under bankruptcy that was discharged on XXXX. I have paid on time since opening the loan in XX/XX/XXXX. I have talked with them several time and they refuse to report my on time payments since XXXX. I did not include my mortgage in the bankruptcy but they say it doesn't matter. They said they will never report my payments to the credit bureau 's. I can't refinance for two years so i'm losing valuable info on my credit reports monthly. Also I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran.
Early in XX/XX/XXXX, I refinanced my mortgage with Flagstar Bank and agreed to a monthly payment of {$1300.00} with a XXXX-year term. However, Flagstar Bank and its vendor XXXX underestimated my city taxes by approximately {$1100.00}. The actual city tax bill is {$1100.00} and Flagstar estimated them at a yearly rate of {$16.00}. Therefore, I recently received notice that my bill will go up nearly {$200.00} to a new monthly payment of {$1500.00} as of XX/XX/XXXX. 
So far, I have contacted XXXX XXXX and XXXX XXXX about this problem, but they were not able to offer an agreed-upon solution. Through this process, it was uncovered that XXXX did not pay the XX/XX/XXXX city tax bill, which resulted in a delinquent fee. The interim bill was made available in the XXXX half of XX/XX/XXXX. I received correspondence stating that they did pay it in full and also paid the delinquent fee, since they made a mistake. Please see the attached copy of the bill. 
Furthermore, when I got my first loan with Flagstar before the refinancing, the company escrowed {$360.00} per month as of XX/XX/XXXX. The new loan shows a monthly escrow of only {$320.00}, even though my taxes have not come down. In my opinion, this is a negligible error that could have been avoided if Flagstar Bank would have researched the loan and taxes correctly. There is no way that school taxes could be well over {$1000.00} while county taxes were assessed at merely {$16.00} for the entire year. Furthermore, this is a new house worth {$380000.00}, so the low county tax should have been questioned during refinance. If this would have been done and if Flagstar would have contacted its third-party vendor XXXX, Flagstar should have been able to uncover the actual, correct tax amount for county taxes. 
There is no doubt that taxes do increase from time-to-time ; however, a newly built house that is worth {$380000.00} is responsible for more than {$1.00} per month city tax bill. This is an error that was not caught by Flagstar Bank and ( or ) its vendor when the company assessed the city tax bill to be {$16.00} when, in actuality, the bill is {$1100.00}.
I currently have 76 inquiries reporting on my credit report on Experian that are without a firm line of credit. I have circle all 76 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inquiries should not be reporting on my Credit Report.
In XX/XX/XXXX I refinanced a equity loan with XXXX paying off HSBC They never filed a affidavit of satisfaction. I have asked them about this and filed the necessary document to get this resolved on XX/XX/XXXX .. I did not know of this till I tried to sellmy property ..they are telling me it will take XXXX too XXXX days to resolve this ..Mean whilethe buyers are becoming inpatient and also the people I am buying from..
XXXX XXXXXXXX XXXX is the company that this complaint is concerning. We have had this mortgage with XXXX XXXX XXXX since GMAC went bankrupt and sold the mortgage off to them. At the time OCWEN took over the mortgage they said there would be a ( balloon ) or deferred payment at the end of the mortgage or it would disappear after time if we make every payment and pay it on time. We have done this faithfully without missing or being late on any payment. Still the deferred payment exist and this is causing us problems with getting our house refinanced as we wish to do. Is n't there some way of making this deferred payment go away as OCWEN stated that they would do? And also there is a matter of XXXX XXXXXXXX XXXX increasing the Interest on our mortgage every so often and not giving us notice of any kind that they were going to do this. This has happened at least three times, if not more. Is this legal or should we be given the right to be notified when such a thing like this is going to happen?
I do not work and have never worked for the XXXX XXXX XXXX. 
I do not Work at XXXX XXXX -- it should read XXXX XXXX
There was a collection account with  XXXX   XXXX  ,  XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611  Procedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) N otice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.
this company called and left private personal messages on my voicemail and also my friends and family. Now today I have been served papers for small claims court. I already filed a complaint and they stated that account was charged off. I want this to be taken care of so that I do not have t pay anything. They violated the FDCPA law by the messages they left.
This must be illegal. I continued to dispute this alleged debt, and they continue to tell me that they are not reporting this debt nor trying to collect on it, but I later receive this communication from RESURGENT, concerning the same debt that I disputed with LVNV Funding LLC four moths ago. Now RESURGENT, has refused to reply to my Debt Validation letters, send me the requested documents showing my signature on a contract. Now they continue to call my phone over and over all day, threatening to call my job, file a Civil Action against me. Please investigate this company illegal acts
I requested all fraud alerts and freezes to be removed from my credit report. And it was not.
There are 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another Servicer in XX/XX/XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.
XX/XX/XXXX the student loan was taken out for XXXX XXXX with my now XXXX uncle was the main borrower/ co-signer. The loan was predatory with in-fluctuation in interest rate. President Obama and congress set up actions against the predatory student loans companies. I was not able to finish school and therefore it became into repayment. I asked fo deferment or assistance. XXXX handled the the loan initially, they were unforgiving and I was asked to pay over {$500.00} a month. I was not able to afford and loan went into default and then charge-off status. I recently received a letter on XX/XX/XXXX in regards to attempt to collect over {$40000.00} with interest capitalization. Please assist with getting XXXX XXXX to stop the attempt collect on student loan that I am not able to pay and my XXXX uncle is XXXX XXXX XXXX  to help.
I purchased this car in XXXX, a XXXX Model XXXX XXXX} I have paid XXXX payments at {XXXX}. This comes out to XXXX My balance to this day is {XXXX
In XX/XX/2018, I reinstated my Seterus loan by making a payment of {$370000.00}. This reinstatement amount included past due taxes on the property for an amount of approximately {$250000.00}. During the reinstatement process, I questioned whether the {$370000.00} payment would bring my escrow account to a {$0.00} balance. Seterus responded that this indeed was the case. 

The following month, I received a statement from Seterus stating I have a negative escrow balance of {$140000.00}.  BetweenXX/XX/XXXX to XX/XX/XXXX, I have contacted Seterus via the telephone and in-writing to request a Forensic Audit of my escrow account. Seterus did respond ; however, they did not address the issue of the {$140000.00}. They simply provided details of all the payments that have been made from my escrow account. 

On XX/XX/2018, I contacted Seterus and spoke to a Customer Service Ambassador ( XXXX XXXX ) and she acknowledged that there indeed is an issue and she would take it upon herself to research the issue and assist me in seeking resolution. She indicated that she would follow-up with me in a few days to provide an update. 

Between XX/XX/2018 and XX/XX/2018, I have called multiple times requesting that XXXX contact me. I have yet to receive a response. On XX/XX/2018, I spoke to a Customer Service Manager ( XXXX XXXX ) and she offered to research the issue and follow-up with me. XXXX did indeed do some research and she landed at the same conclusion that there is an issue. When I questioned next steps, she simply stated there is nothing that she can do. 

With further research, I have also determined that my reinstatement amount of {$370000.00} included penalties and interest for {$70000.00} while I was making payments in a timely manner. Since I was on-time with my payments and since I paid the amount to Seterus, I would like a refund of the {$70000.00}. 

Seterus representatives have no interest in assisting me seek resolution to this issue be it over the phone or in writing. I am amazed by the lack of Customer Service by a company that prides itself upon being a XXXX subsidiary.
First of all, I am wondering how XXXX XXXX XXXX is still in business running the same scam as before the CFPB sued them. They did not speak with several of my loan companies at all and by the time they realized that two of them wouldn't work with a debt relief company I was already over 8-months behind in payments and catching up put a huge financial burden on my family and I had to take money out of my 401K ( and the tax penalty ) to catch up the payments. Because, not only was the payment per month to XXXX not being adjusted for the accounts that wouldn't settle, I was now having to pay 3 companies more than I was paying prior to signing up with XXXX and their monthly fee. I was also sued by a credit card company because they didn't negotiate in time. Then when I was told my last payment would be in XXXX, they extended the program to XXXX because I still owed them fees. We decided to take out a Home Equity Loan to pay them off once and for all because I took all but one of my debts out of their program was told that all I had to pay was {$780.00} and would never have to deal with them again, called in today and all of a sudden they said I owed upwards of {$1600.00} to pay them off. She eventually corrected the amount to {$800.00} but still not what I was told just last week. This entire company is a scam. They wouldn't let me leave last year and take the settlement to XXXX, who, by the way, is a much better and more client focused debt relief company, because I had a structured settlement. And that settlement was for 50 % of the debt I owed but the fees they charge, 25 %, make this program almost useless. Why settle if you are just going to charge that amount in fees. I am unclear how the CFPB allows this company to continue to scam people. I have lost over {$2500.00} with them and even though I am paying them off in two weeks they told me I had to continue to pay my monthly payment until XXXX so I had to make a special request for them to halt my automatic payments they have coming out twice a month.
I originally took this 30 year mortgage out with XXXX in XXXX. In XXXX XXXX recommended I refinance the balance at a lower interest rate and use their Bi-weekly Advantage Plan whereby I made the equivalent of two extra principal payments per year. This plan, administered by XXXX XXXX XXXX, would pay my mortgage off seven years earlier than the 30 years contracted. We took advantage of this plan starting in XXXX of XXXX. Last year XXXX turned our mortgage over to Mr. Cooper. And a few months ago XXXX informed us they would no longer administer the Bi-weekly plan and we would have to arrange a payment plan directly with Mr. Cooper. So I now have almost 6 years of extra payments on this mortgage through a plan that is no longer available. I have been trying to get an Amortization Statement from Mr. Cooper that will reflect my past payments, including the additional payments made, as well as what future payments remain and the settlement date. Obviously I want this information to insure I am getting full credit for the advance payments weve made. I expected this statement would be readily available. But after spending hours on the Mr. Cooper website and another hour with their customer service people, I was told I could only get this information by a special request to their research department. I have made that request as instructed via e-mail and advised them that the lack of this information is holding up the completion of a financial analysis by my accountant and to please expedite this report. But I have not gotten a response of any kind, nor have a gotten a response to my follow up e-mail asking for the status of my request.
I purchased a car through XXXX Byrider in XX/XX/XXXX. Their bank is CNAC. after purchasing the vehicle, they have pulled my credit report without permission on numerous unauthorized occasions. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These are hard inquiries and they did not have my permission/nor need to pull my credit report without my permission.