WillisBack/dataset-financial-user-claim huggingface dataset:
Disputed incomplete report information. Provided court copy of Master Satisfaction and Release of Mortgages recorded by the Clerk of the Circuit Court of XXXX County, Florida. 
Response received stated, " Unfortunately we are unable to honor your request to place credit information ( i.e., Satisfaction of Mortgages ) into your personal credit file since we would be unable to verify the data. We only receive public records information from our vendors who collect it from the courts. " The court record provided should be all the verification needed and can be easily verified online on the Clerk of Courts XXXX Co., Florida website. 
Thank you.
I am an ID theft victim tried to notify the bank. They ignored me closed my accounts horrible service. And never got my pay checks that were direct deposited into the account.
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} AUTO {$12000.00} XXXX - {$8600.00} XXXX CHARGE OFF XP/TU Late Dates : XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX {$5000.00} REV {$3900.00} - {$3900.00} XXXX CHARGE OFF XP/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} REV {$3400.00} - {$3400.00} XXXX XXXX XXXX XXXX CHARGE OFF XP/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX -- / -- {$3300.00} OPEN {$3300.00} XXXX {$3300.00} {$3300.00} XXXX COLLECTION XP/TU XXXX XXXX XXXX XXXX XXXX XXXX -- / -- {$340.00} COLL {$340.00} XXXX - {$340.00} XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX
CREDIT SYSTEM INTERNATIONAL CLAIMS I OWE A {$39.00} DEBT Date Date Created : XX/XX/XXXX Date Debt/Collection : XX/XX/XXXX Amount of Debt : {$39.00} I ask the Debt Collection Company to properly investigate this debt and they have refused to do so which is in direct violation of the fair debt collection laws. If this company does not accept my dispute request then I will file a complaint with the FTC and the Attorney General 's Office of Texas. 

I am told by this Debt Collection Company that this Debt is in favor of XXXX XXXX XXXX XXXX. I'm not sure how this debt was created but this debt was not created by me.
This debt is over 8 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.
I wanted the currency to be kept in USD but instead it was changed to XXXX Dollars. I was told that the currency would be kept the same.
Complaint to cfpb : Homeowner is facing EVICTION from her home of 42 years. Defendant lost the Foreclosure Mediation action, filed in XXXX County NJ Sup. Ct. How she lost the foreclosure case ( through participation in the NJ Mediation Program is a mystery! Defendant is a XXXX year old, single, XXXX woman who is retired, with no income, no employment and no asset. She is a victim of the predatory lending tactics of CHASE Bank XXXX XXXX XXXX XXXX XXXX XXXX. These banks made inappropriate loans to Defendant knowing she could not repay them. Without regard to whether this struggling homeowner could repay the loans or not, CHASE and XXXX XXXX issued a total of 4 loans to her, including 3 HELOCs. These predatory lenders now seek to benefit through foreclosing on this homeowner. The " banksters '' were clearly at fault, knowing their loans were unconscionable and not fair to Defendant. I an waiting with bated breath for the arrival of uniformed Sheriff Office personnel at my foor, with foreclosure sins. I have nowhere to go. While I am on long waiting lists at several Senior Housing Projects, nothing is currently available. ( I was rejected for residency by one local HUD-subsidized Senior Housing Development because I had to file in Bankruptcy in connection with the Foreclosure case. ( The Bankruptcy case has been dismissed, but the mere fact that a Bankruptcy petition has been filed within 5 (? ) years may continue to bar my applications to other subsidized housing.
The prospect of homelessness is especially painful to me because the total amounts the lenders claim are due, were never received by me. I have received no cash, only on paper. The lenders financial documents are confusing. Accounting entries are intentionally erroneous ; obvious instances of 'robo '' signing/forgery even appear in some recorded documents. CHASE 's loan Summary Statement, e.g. is deliberately fraudulent and has been reconstructed and revamped. CHASE blocked advances from its account in XX/XX/XXXX. The XXXX XXXX account includes flagrant overcharges, expensive forced insurance costs and unwarranted fees. The combined indebtedness from the predator banks totals more than {$350000.00}, thus preventing my sale of the Property and leaving no relocation funds for me. I would appreciate the CFPB 's assistance in helping me to delay the public auction of my house/investigate/confirm the actual amounts due/and if possible, save my home Sincerely, XX/XX/XXXX
On  XXXX    XXXX ,2017  my husband and I closed on a Foreclosure property with a notary at our primary home with my husband as the borrower. During the closing I stated that the   XXXX   XXXX   XXXX   XXXX   XXXX   should have been titled in both names, I was told that once I signed the mortgage note that I would be added to the new deed and title. That did not happen, the deed was received in the mail on  XXXX / XXXX /   17  and only listed my spouse. I spoke with my lender who indicated that the   XXXX   XXXX   XXXX   XXXX   XXXX   should be in both names, we attempted to contact the closing agent and was advised that any changed would need to be completed in the form of a new deed with a cost to us because the contract, title and deed must match. However, I live in Florida joint property state and do not understand why this was not explained to us prior to closing and receiving the deed and title. I am very upset that I now need to pay a second attorney fees and the same fees  to my county to corr ect a deed that the original closing attorney was paid to process and file. This does not seem correct to me because our first home has both names on the deed, title and mortgage insurance however I am on the only person covering the note.
I have an account with Navient that shows several periods of overdue payments. This is negatively affecting my credit score. It is also incorrect, as the overdue payments were retroactively cured by forbearance. I sent the attached email to Navient. An employee named XXXX XXXX spoke to me on the phone, and stated that Navient is not allowed to change a report once it has been made, even if it is no longer correct. Her position is wrong under the law and under the advisory opinion I cited in the email.
First I would like to address the problem I am having with XXXX as I have researched and started my own credit repair back in XXXX or XXXX XXXX has asked me to verify my identity three times which I proceeded to do. Now here we are in XXXX and I have not heard anything else from them. I sent them a letter prior to the data breech explaining to them that I was not impressed and I did not appreciate the no response as I do know my rights with the FCRA. I was also a part of the breech and that would make three this year. I have had multiple hard hits for loan inquiries that I have applied for or credit and I am constantly keeping track of my credit now for this reason, and see these. I originally filed with FTC.gov a complaint and a report with a 90 day freeze. Plus I was placed on the DO NOT CALL LIST and yet I was and am still getting calls and it seems that the freeze did nothing to help. I am overwhelmed by this and upset it 's also damaging my credit even more so. I also have a complaint against XXXX XXXX and XXXX XXXX Collection agency as well as XXXX XXXX XXXX The last two mentioned are both reporting on my reports for the same debt and I know that, that is illegal and this account is not mine and they are now refusing any response that I have requested from them as well as XXXX XXXX. What do I have to do? Sue?
I am a struggling widow I refinanced my home in XXXX w a gentleman that has passed away he helped w our mortgage I am a nurse by trade I was working with private clients but one passed away in XXXX the other decided to go a different direction XXXX XXXX put me on a forbearance which we paid in XX/XX/XXXX we did permanent loan mod 5.1 never late on payments w them they screwed up on the escrow and we were hurt w the hurricane last year it is a XXXX XXXX loan we got traded to sls forced into home insurance w no help from them Except what they say is 2 periods of forebearance! Ending XX/XX/XXXX we have been scammed before by mortgage relief. We have no family but my daughter is ill we recently got a bill from them stated they conducted a property assessment no one was out here? We have tried mortgage relief companies before but got scammed too. XXXX XXXX XXXX XXXX Was extremely nasty and said our house was in florclosure wheh they didn't check on this they aren't aren't lawyers but the gentleman sent nasty texts to my daughter saying she wasn't smart. Sls will not help us and reported us delinquent we have no family nothing
" " '' I have disputed this collection on this XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
My history with Honda shows I have only one late payment that was paid within 30 days. 

This was a loan for my first car ( new ). Purchased in XXXX. Paid off in XXXX. 
The single late payment was in XX/XX/XXXX. 
Payments were {$310.00} minimum and I would add more to pay down principal. 
The account is closed as the loan was paid off in full. 

I believe throughout the duration of this loan we set up auto-pay so it would always pay on time. Never late. 

This single late payment is negatively impacting my credit score and lenders always mention it to me.
There is a credit inquiry within my report for CNBA. I have never applied for credit with this lendor. I ask that the issue is investigated and the item removed from file.
We have had numerous problems with this credit card XXXX, XXXX Dividend XXXX. 
1 ) Was offered 0 Percent on new purchases ( very clearly ) and transfers 2 ) Never been able to use miles ( have over XXXX ) but flights are never available 3 ) Had XXXX fraud cases on XXXX different cards sent to my wife, even though they had never never been activated. When case opened, we never get a call back and have to continually call them to get status. We called to let them the first week of XXXX to let them know this was not our purchase which was a recent charge of {$720.00} on XXXX XXXX on a flight from a year ago which makes no sense. We called a few weeks ago because we never got a call back and they had n't opened a case yet or credited our account. 

We have complained several times about the interest charges and was told a year ago it would be corrected, but it never was. Now they are saying they ca n't correct it. 

This bank ( Barclay ) seems incompetent to be offering a credit card to customers.
Hi, we are in the worst Catch-22 that I have ever heard of. My wife and I bought our home in XXXX in XXXX XXXX financing our purchase with a mortgage from XXXX Mortgage. Early in XXXX, the mortgage rates had come down so we re-financed with XXXX XXXX XXXX. All was fine and in XXXX we paid off our mortgage. Hooray! We retired two years ago and we are relocating to XXXX. We are selling our home in XXXX and have movers coming on Tuesday XXXX XXXX, the same day as our closing. Our buyers ' title search discovered a lien from XXXX Mortgage, saying that we owe them {$250000.00} from XXXX! It is hard to figure whether it was XXXX ( bought by Chase in XXXX ) who were negligent for not releasing the lien, or if it was XXXX XXXX XXXX 's fault, but both institutions do n't have records going that far back and neither can provide a solution to this nightmare. ( Chase says they must have a XXXX XXXX document from XXXX XXXX XXXX and XXXX XXXX XXXX says they do n't have it and can not create XXXX. ) So we can not sell our house until Chase discharges the mortgage but XXXX can not provide the document that Chase says they must have. It breaks my heart that our buyers might be left out in the cold on XXXX XXXX, but if the money can not be released to us ( the lawyers will withhold {$370000.00} until the discharge of mortgage is filed ), then we ca n't turn over possession of our home. It may take months or years before Chase creates and files a mortgage discharge document ... .no one knows how long it might take. We have the deed. We have spent hours and hours on the phone as well as several hours in our local XXXX XXXX XXXX and Chase branches. We are just XXXX. XXXX our XXXX XXXX is insanely high ... ...
Capital One Financial Corporation employees hanging-up telephone, rudness, and unprofessional behavior when seeking help for my issues. Sent fax to your office, fax # XXXX, case XXXX on X/XX/18. Need Capital One to remove issues from my credit report immediately and compensation for my services.
I have been contacted on numerous occasions by the company who is trying to collect a debt that is 15 years ol and beyond the statute of limitations.
On XX/XX/2018 I wrote a Validation Letter to XXXX XXXX and sent the letter via email to XXXX, and XXXX requesting additional information about a medial debt. More specifically I requested which doctor, or facility I was seen at, and an original bill or detailed statement of procedure preformed. One day later, XXXX sent me a letter with the same information that I already had but XXXX still couldn't tell me where I was seen, or what medical service was preformed. I am currently writing XXXX an email that references XXXX Circuit Court of Appeals, XXXX v. XXXX, to give them an example of how the court gives the interpretation of verification.
I purchase a XXXX XXXX XXXX Wells Fargo put insurance through their back with out my authorization and they are calling me that I am delinquent on my car and is goin to get reposed I have made every payment on time since I got the car
In process of purchasing a new home form XXXX XXXX XXXX we were required to use it 's affiliated mortgage company Home American Mortgage. The process started in lateXX/XX/XXXX, at first initiation we stated we wanted a conventional loan, 20 % down payment. Home American Mortgage pre- qualified us an FHA Loan , a required us to payoff all debt in order to qualify for the conventional Loan we wanted. We inquired on what we should be doing to raise our credit scores to help obtain or conventional loan, we got no response, from the loan person. This was already the 2nd loan person we had been moved to, due to the first being very rude and callus with my wife. After a couple of attempts we were not satisfied with responses or response time from XXXX XXXX. We were then moved XXXX our third loan person in lateXX/XX/XXXX. XXXX was again prompted that we sought conventional loan we needed guidance as to what we could be doing to raise scores and be sure we were in good standing with credit scores. Our real estate agent was also in contact with XXXX, questioning why he had not spoke to us, gave any repose to questions or even pulled credit to see what our scores were. XX/XX/XXXXstill heard nothing from XXXX, our agent again reached out to him voicing concerns. Finally received word from XXXX XX/XX/XXXX with useful info, he had not pulled credit, the loan was still in FHA status with credit scores from XX/XX/XXXX XX/XX/XXXX XXXX ( branch manager ) reached out to me saying that she would handle all concerns now, after a brief discussion I voiced my concerns and requested guidance again! My call was not answered until a week later by XXXX, all these months wasted were I could have done credit repair/improvement gone. Which leaves me at FHA with PMI, and a mortgage payment that was $ 600- {$1000.00} higher then it could or should have been, pricing me out of the home purchase. All due to no guidance and complete negligence on behalf of of XXXX Affiliate Home American Mortgage. XXXX now is retaining our earnest money of {$9700.00}. Stating " Buyers Remorse ''. All we did id everything required of us, and now as a direct result XXXX is keeping our {$9700.00} at no fault of our own!
In XXXX of this year I filed a CFPB case # XXXX. I had an issue where Chrysler Capitol billed me {$460.00} for state registration that they did pay on my behalf. They did so without calling or sending me an email. What they did n't know is that, since my tabs expired, I purchased the tabs on my own on XXXX XXXX. I contacted them and was n't able to get this issue resolved so I filed the complaint. Chrysler Capital did send me a letter in response to my CFPB complaint. They asked for me to send proof of this payment. I complied with Chrysler Capital 's request to send proof that my Minnesota vehicle registration was paid and I asked for them to send me a letter confirming this issue was resolved. I never received a letter or a call as such. I still receive a monthly invoice from them indicating I owe an additional {$460.00} for registration for 2015. I called them today and the customer service representative saw my compliant but was n't able to tell me if the issues is resolved and why it was showing on my monthly invoice still. I feel I ca n't get a resolution from Chrysler Capital and I 'm concerned that this charge may affect my credit or they may attempt to collect via collection agency. I want a letter confirming this issue is resolved and the charge removed from my invoice.
My credit was damaged when my mortgage company misapplied a payment and then accused me of missing payments. I make my payments the first of every month without fail. 
During an escrow analysis, I called customer service with a question. Unknown to me this triggered an inquiry which then led to my entire next mortgage payment being misapplied to the escrow account instead of to my mortgage. Again, unknown to me, all my subsequent payments were " late ''. When I was finally notified after several months, no one in customer service could tell me what had happened to my payment. After more than a month of calling and speaking to customer service and escrow representatives, all of whom assured me that they would take care of it and promised to call me back ( they never did ), I finally spoke to an intelligent young man in Escrow who figured it out and realized that the payment had been misapplied. At the same time I received checks from the company for a huge escrow overage ; the misapplied payment. This young man and a customer service rep managed to it straighten out and I used the escrow overage checks to make that " missing payment ''. When I asked about my credit ( score ) being damaged, I was assured that would n't happen. Of course, it did. When I contacted the mortgage company to ask that the negative information be corrected, I was informed by the " Research Department '' that this could n't be done as I had missed payments! Payment ( s ) that the mortgage company had misapplied. 
My credit has been damaged through no fault of mine, the mortgage company takes no responsibility, and I can not get through to anyone who can correct this misinformation and repair my credit score.
M & T Mortgage Company foreclosed on my FHA-insured property in XXXX XXXX. As of XXXX XXXX, they have failed to file a claim with HUD for the property, although in XXXX they only have 18 months to do so. When I inquired about the matter through FHA, the lender falsely claimed that the mortgage was 42 months delinquent and in foreclosure status with Eviction Proceedings initiated ; despite the fact that the house sold at auction in XXXX XXXX, has been vacant since XXXX XXXX since I live in XXXX, and they 've received multiple code violations for not properly securing the home. In addition, the lender is claiming I am still indebted to them.
Dear Consumer Protection : The reason for me filing this complaint is due to Experian organization continually reporting the incorrect date of birth in my report and also blocking me out from getting a copy of my credit report online. I have try several times over two-years to get a copy of my credit report and each time Experian has block me out every time. This is violation of the Consumer Credit ACT 1974, section 77-79. I am very frustrated and this practice is unacceptable. 
Furthermore, I am in the process of re-financing my home with XXXX XXXX XXXX bank and the representative stated to me if Experian does not take the block off my credit report they are not going to be able to finance my mortgage because by law under the HARP they must have a copy of my credit report and score to be able to grant the refinancing. I was told by a Experian representative because of a key stroke error is why my date of birth is in their system wrong. I also like to state, after contacting Experian in regard to the issue they refuse to fix the mistake. .I would greatly appreciate your assistance in this matter.
I opened a credit card account with Capital One in XXXX of XXXX. XXXX XXXX is reporting that I opened it in XXXX. This account should be taken off my credit report as it has been over 7 years.