WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX and have a property listed for sale. NationStar did a Broker Price Opinion ( BPO ) of the property and it came in at {$810000.00}. During the BPO the properties basement was flooded and the BPo agent made no mention of it in the BPO report and subsequently brought the BPO price in an inflated value. The buyer had an appraisal done which reflected it 's as-is value with the needed repairs and the value showed {$670000.00}. The appraisal, photos and the repair bid were submitted for a value dispute. Four weeks later a decision was rendered and NationStar stood by the BPO value of {$810000.00} stating " Please advise how all parties want to proceed as our value did not change from $ XXXX. An appraisal report completed by XXXX ( XXXX ) was submitted for valuation dispute. The appraisal estimates the subjects ' as-is value at {$670000.00} as of XX/XX/XXXX. The appraisal is considered to provide a low value estimate utilizing dated sales ( all sales closed in XX/XX/XXXX ) and the - {$100000.00} across the board repairs adjustment is overstated. The repair estimate included in the appraisal is unsigned and no photos were provided that would confirm the noted repairs as described. The subject is located within a desirable pocket subdivision and a sale was noted on the subjects ' XXXX at XXXX XXXX XXXX XXXX, similar age and size, inferior in condition ( dated, inferior kitchen, requires repairs ) and closed XX/XX/XXXX at {$800000.00}. This sale is less recent than desired but is a good indicator of market support for a reasonably similar substitute property within this market. " How can an appraisal by a master appraiser of 25 years experience be considered inferior to Nationstar 's BPO when he took into account the needed repairs and all the comps that were used for the appraisal be considered outdated when I 'm assuming similar comps for the BPO were also used? The area of the home is a very specific location and there 's only so many comps they can use which is stated in the appraisal. The seller has not received a copy of the BPO because it is the property of NationStar. Nationstar should be required at minimum to do an appraisal of their own if they do not agree with the appraised value as the BPO is a much inferior estimate of the properties real value.
RoundPoint Mortgage purchased my mortgage from prior lender. They have tried to raise my monthly payments by over {$700.00} per month but we paid a lump sum and it only went up about {$450.00} per month. The reason for the increase is because they say we had insufficient $ in escrow. I am over age XXXX and homestead my home. I do not agree with the taxes they are charging me. I have written them and no response ( documentation attached ). I have held for over 90 minutes only to get them to tell me they have no record of my correspondence. I have been hung-up on by the telephone staff. I have been refused multiple times for a face-to-face meeting with their local office. I can get absolutely no help from RoundPoint Mortgage and I can move my mortgage since interest rates are significantly higher now than when I bought my home.
ORIGINAL PURCHASE WAS  XXXX  I DID NOT RECEIVE A  PAYPAL BILL U NTIL THEY STARTED ADDING LATE CHARGES. I HAVE SPOKEN AND SENT LETTERS MONTH AFTER MONTH TO THEM, FINALLY I SEND THEM  XXXX  WHICH I DID CK #  XXXX   XXXX / XXXX / 17 . NOW THEY WANT MORE MONEY THE AMOUNT I SENT WAS WHAT THEY TOLD ME TO SEND TO CLOSE THE ACCOUNT. MY WIFE HAS  XXXX  AND THE CALLS ARE VERY UPSETTING
GM Financial has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.
ON XX/XX/XXXXI SIGNED DOCUMENTS WITH NATIONAL CITY FOR A PIGGYBACK OR SECOND MORTGAGE TO PURCHASE MY FIRST ANY ONLY HOME.I WAS LATER INFORMED BY NATIONAL CITY THAT PNC BANK HAS MY MORTGAGE, I CONTINUE TO MAKE MY MONTHLY PAYMENTS TO PNC BANK WITHOUT ANY MONTHLY STATEMENT. I LATER RECEIVED A CALL FROM PNC BANK INFORMING ME THAT THEY WILL SEND ME MONTHLY STATEMENTS WHICH I RECEIVED.IN XX/XX/XXXX, I PAID OFF ALL LATE CHARGES AND PAYMENT DUE FOR THAT MONTH. I RECEIVED A PAYMENT BOOKLET IN THE MAIL AT WHICH TIME I CONTACTED PNC BANK AND ASKED WHY WAS I NOT RECEIVING ANY MORE MONTHLY STATEMENT. I WAS TOLD I HAD MADE PAYMENTS BEFORE SCHEDULED DATE BUT I WILL BE MAILED MONTHLY STATEMENTS AS I REQUESTED. THE WOMAN I SPOKE TO KEPT REFERRING TO THE MORTGAGE AS A HOME EQUITY LOAN ; I EXPLAIN TO HER THIS IS A SECOND MORTGAGE OR PIGGYBACK MORTGAGE THAT WAS GIVEN TO BE ALONG WITH ANOTHER MORTGAGE. ON XXXX XXXX ; I RECEIVED A STATEMENT IN THE MAIL. PMT AMT DUE {$31000.00}. LATE CHARGE {$3100.00}. PREV. LATE CRG {$260.00}. TOTAL AMT DUE {$35000.00} DUE XX/XX/XXXX.THE PAYMENT BOOKLET I RECEIVED EARLIER HAD PRINCIPAL BALANCE OF {$31000.00}. I CALLED PNC BANK AND WAS TOLD THAT MY MORTGAGE HAD MATURE AND I AM EXPECTED TO MAKE THE BALOON PAYMENT OF FULL PAYMENT.I ASKED WHY I WAS NOT INFORMED BY PNC BANK BY EMAIL OR MAIL OR WHEN I HAD CALLED ABOUT THE BOOKLET I RECEIVED IN THE MAIL? I WAS NOT GIVEN AN ANSWER OR EXPLANATION.WHEN I ASKED IF THE INTEREST RATE WAS FIXED OR VARIABLE I WAS NOT GIVEN AN ANSWER. I HAVE MY OTHER MORTGAGE WITH XXXX BANK I RECEIVE MAIL INFORMING ME OF CHANGES I MY MORTGAGE PAYMENT. WHY IS NOT PNC BANKING DOING THE SAME?. I HAVE BEEN MAKING PAYMENT ON THIS MORTGAGE FOR THE PAST 15 YEARS I DID NOT OWN A HOME WHEN I TOOK THIS MORTGAGE WITH NATIONAL CITY ; HOW COULD THIS BE A HOME EQUITY LOAN? I AM REQUESTING HELP BECAUSE THIS DOES NOT APPEAR RIGHT OR LEGAL. WHEN I WAS PURCHASING MY HOME I WAS VERY EAGER TO OWN MY FIRST HOME AND DID NOT PAY ATTENTION TO THE FINE PRINTS AND WAS NEVER INFORMED BY PNC BANK OVER THE YEARS OR AT ANY TIME THAT MY MORTGAGE HAD A MATURITY DATE. I NEED HELP PLEASE.
XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : XXXX XXXX via XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing information that i did n't authorize.
Please consider this letter is my formal complaint against LexisNexis who has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. LexisNexis claims that their subscription to Pacer is an acceptable form of verification. 
I have sent certified/return receipt dispute letters to LexisNexis requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, and finally to the CEO, XXXX XXXX on XX/XX/18. Upon receiving their response ( to the 3rd letter ) that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that  they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. 
I did not receive a response to this request nor did I receive a response from the CEO, XXXX XXXX, to the letter addressed to him directly, delivered on XX/XX/18. 
In the meantime, I also obtained a letter from the XXXX Florida Bankruptcy Court which clearly stated that they do not provide any information to the credit bureaus. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.

I implore your agency to please assist me in having this unverifiable information from a database ( Pacer ) that does not allow access to any personal identification information, removed from reporting on my credit files. LexisNexis practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue.

Thank you for your time and assistance in this extremely important issue.
During the month of XX/XX/2018, I called my servicer to find payment options for my loan only for the month of XXXX since I was having financial difficulties during this month. The person on the line suggested a forbearance. I asked many many times that I wanted to make sure this type of option will not affect my credit since I have been working for a year to repair my credit. The loan customer service person assured me that it will NOT affect my credit. He submitted the forbearance form. Within a week I get an alert from Experian informing me that my credit went down 22 points due to my lender reporting a change of total balance from {$300000.00} to {$330000.00}. I called my lender on XX/XX/2018 right away and explained that the previous consumer service operator from their office had giving me wrong information about the forbearance. I told him that I wanted to reverse my forbearance. He said he would do it and that I only had to make my loan payments which I did, I made a payment of {$180.00}. I asked him again if this would solve the problem and he said yes, that I would just have to wait two weeks before my lender reports the original balance of XXXX to the credit bureau. He assured me that my loan interest was not going to be capitalize. But then I receive a letter that my loan is going to get capitalize at the end of the month due to the forbearance. I called the lender again and explain the situation once again, but this time I asked to speak to a supervisor. I was on the phone with her for about an hour. Again, she assured me that my loan 's interest was not going to get capitalized because they reversed the forbearance and the balance they were going to report to the credit bureau was {$300000.00}. She told me it could take from 30 to 90 days for them to report this to the credit agencies. She then suggested for me to call the credit agencies so the change could be done faster. I then call Experian at the beginning of XX/XX/2018 and open a dispute with them about this issue. I was sure the problem was going to end here, since my lender assured me that it was a matter of time of reporting my original balance and that my interest was not going to get capitalized due to this error. I just received the dispute results ( XX/XX/2018 ) and my lender is reporting an original balance of {$330000.00} and disagrees with my dispute. I am very frustrated about this whole ordeal since I have been back and forth with my lender with this issue since XX/XX/2018 and I still have this major problem of having a derogatory credit rating due to their negligence about giving me wrong information about the forbearance not affecting my credit and them not informing me that through the forbearance my loan 's interest will be capitalize, thus increasing my original balance and in this way reporting it to the credit agencies thus decreasing my credit by 22 points. I would really ask for your help on this important matter.
I went in to Advance America on XXXX XXXX on XX/XX/2018 to refinance my loan. I was told by a new employee that I had basically no choice but to agree to a new loan that they had started. To pay off my loan in 18 months. I said that's great I'm thinking in my mind oh {$400.00} over 18 months.That would be my payments. It was not explained to me all the interest in the fees and that my loan amount would change. I did not receive the total of loan amount till the end after I had signed everything. she was a new employee I was in this office for 2 hours. At the end of everything she said to me while I'm not going to basically explain everything to you. She was apologizing for everything and then said just initial the papers we'll do this quickly so you can get out of here. I was not given the proper time to look over the papers. Then the woman asked me, would you like to see your payment schedule? That's when I realized the loan went from {$400.00} to {$1000.00} I told them " oh you ripped me off ". I was not notified of the amount till the end. Idid not agree with it
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX CRED XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, SC XXXX
On XX/XX/XXXX I was using American Express Travel website to book a hotel in a foreign country for a family holiday. I selected the XXXX XXXX XXXX. There was nothing stating on the website that this booking was " non-changeable or non-refundable ''. I mistakenly selected the dates of XX/XX/XXXX-XX/XX/XXXX instead of XX/XX/XXXX-XX/XX/XXXX. When I became aware of this mistake, I contacted American Express and Amex Travel in an attempt to modify these dates and after several days of back and forth I was told that the hotel refused to change the dates, refund my charge or remedy the situation in any way as they told me it was a non-refundable/non-changeable reservation. I went back to the website where I book the hotel and there was nothing on the main page ( as there was with other hotels on the Amex travel site ) stating these policies. I looked deeper and saw a hyperlink on the room details section in small letters stating " room restrictions and cancellation policy ''. When I clicked on this link I found where they had hidden and buried these important terms. Had this been up front on the main page, I never would have booked with this hotel. THESE ARE UNFAIR AND DECEPTIVE PRACTICES! I have attached the deceptive website pictures and descriptions from the AMERICAN EXPRESS TRAVEL website who participate in these deceptive tactics. I continued to dispute with both American Express and Amex Travel but apparently they care more about protecting a foreign deceptive hotel then a cardholder since XX/XX/XXXX.
AS of XX/XX/2017, I am two weeks late on closing on my short sale because my mortgage company will not approve allowable charges under the terms of the loan. They are claiming HUD wont approve but my attorney has gotten written documentation on the HUD approval for the charges. Roundpoint has been retaliating against the me because I have been sending complaints up the chain because of their POOR practices and work processes. They have held up my short sale or months. These delays are constant RETALIATION and should be against the law.
I transfer my Money from City Bank on XX/XX/2017 to my account in XXXX i have my voucher, It says the money will be on XX/XX/2017.however it never arrive to my Account in XXXX. i have to pay bills and i really neddd your Help. 
Please could you inform to the encharged People. 
My Id as a XXXX is XXXX XXXX
In a previous complaint filed with this same company I mailed certified mail and faxed them a written request to NOT call my employer. XXXX called my employer after this company received notice to not call my employer.
Express Recovery is reporting debt collections on my credit file that I do not owe. These collections are not mine. I have never received a notice for these, and I have no idea what they are for. Express Recovery will not give m any information on this other than they want to collect a payment.
My father was a victim of identity theft. Given his elderly state and increasing XXXX, I have been given Power of Attorney in order to help him resolve the issues he 's had. I placed a fraud alert on his credit and the police acted, resolving the situation. I now need the fraud alert lifted so that he can use his credit to be approved for housing. <P/>Experian has continually refused to give me any information about his accounts or allowed me to address the issues despite my repeated fulfillment of their requests to send them the legal Power of Attorney forms. They have given me several different avenues which have been contradictory and refuse to respond to any of my inquiries over their website or phone. <P/>I get a different explanation of what is required every time I contact them, and their online forms refuse to allow me to upload the documentation they require. They seem to be deliberately obstructing my ability to resolve the dispute in a reasonable timeframe. <P/>This has been going on for nearly 30 days, and I have yet to see any action on the part of Experian to resolve the situation.
This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in  XXXX  so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off
I have contacted all three credit reporting agencies about the accounts reporting in error on my report. I have spoken directly with the creditors as well and they will not fix these problems and it is very sad because I am unable to move on with my life. Please help me to remove these items! These accounts are mine and I have submitted an identity theft report as well. The accounts that are reporting that are not mine are, XXXX XXXX XXXX XXXX XXXX XXXX ( Reporting twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do n't even have a car!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Reporting 11 times! I paid for my education, never received any financial aid! XXXX XXXX A Public Record filed with a reference number XXXX I have spoken to all 3 Agencies, I 'm not being helped as I should be! I will not rest until these accounts are removed, this should be illegal!
In XXXX I secured a loan from XXXX XXXX which I was paying on every month until I was my employer unexpectedly went out of business in XXXX unfortunately I became unable to make full payments to XXXX because I was on unemployment. XXXX called and harassed me all day, every day until I felt that I had no other option but to file for bankruptcy which i did in XXXX and it has subsequently been discharged. Because of XXXX actions and antics the bankruptcy trustee is pursuing litigation against XXXX which is now called Mariner Finance, and now Mariner is refusing to relinquish my car title and sign the lien satisfaction letter even though the loan that I had with XXXX was included within my bankruptcy. In my opinion they are choosing to further injure and harass me is due to the ongoing issue within the bankruptcy court which I feel should be illegal and unfair business practicing. I have went to their office in XXXX, Florida in person and I have called them numerous of times regarding this matter and the supervisor XXXX continues to be misleading, giving me the run around. The reason that I am trying to get them to sign the lien satisfaction document is because the car has been wrecked and totaled by XXXX XXXX and they are requesting them from me and I am not getting any help from XXXX ( Mariner ) at all. I have called their corporate office in Maryland several times and all you can do is leave messages and " someone will return your call '' but NO ONE from there has yet to return any of my calls and/or messages! I am no longer in possession of the car, the debt was included within the perimeters of my bankruptcy and the car is a total lost. All I am requesting from them is to sign the lien satisfaction document so that I can provide this documentation to my insurance company so they can fulfill their legal requirements to the State or DMV.
In XXXX 2013 my sister I were shopping for vehicles and a dealer at Nissan incorrectly put my name on her car loan. I purchased my vehicle the next day from a different dealership. I checked my credit report serveral months later and saw the mistake. Nissan refused to change the paperwork and my credit and dti suffered tremendously from this error. I have disputed this account serveral times and only one of the credit bureaus removed it from my report. All payments made to the account were made by my sister from her bank account and not mine. I believe this was an illegal straw purchase made by the dealer on behalf of dealership to make a sale.