WillisBack/dataset-financial-user-claim huggingface dataset:
I have a collection of my XXXX and XXXX report from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They are reporting " Time SInce Negative '' as being XX/XX/2017. This being a " Negative Account '' showing that it appears I was late or didnt pay a bill just 11 months ago vs actual 4+ years since I have been late on anything. This is having a tremendous impact on my credit score and is causing me to be unable to purchase a car. I have disputed till I can no longer dispute on line, I have called and am told " this is correct ''. First, I am not aware of this bill as I have never received any information on it. I explained to the rep with XXXX that I have a copy of my lease showing that I have lived at this address for almost 5 years and according to XXXX that isn't good enough. " They already proved it is yours ''. I dont see how, I would like something showing I singed for this contract. The rep says it isnt impacting my score but if that is the case they why even have a " Time Since Negative '' for a potential lender to see and judge me by. As I said, I have paid my bills, every one on time no late payments for the past 4+ years. In reading other post regarding XXXX   they seem to be notorius for reporting wrong " Time Since Negative '' Information causing a lot of others problems.
I want to escalate a very serious promotional offer and customer service issue with XXXX credit card customer service representative when I called on my XXXX reward card ( that is managed by XXXX XXXX XXXX ). I called their credit card customer services about two weeks ago and spoke with a representative for the promotional offer issue. But very unfortunately, this representative had very serious discrimination against me. This particular representative 's discriminatory statements are against US Federal laws. It was absolutely unacceptable and very insulting to me and I was extremely shocked by this kind of credit card customer service provided by XXXX. For their information, XXXX Credit Card customer service representative 's name is XXXX and her employee ID # is XXXX. Also her phone extension is XXXX and she is based in XXXX Idaho location. 

I must request XXXX to provide me at least {$300.00} compensation for the promotional offer issue as well as discrimination by their customer service.
I FOUND A CHARGE ON MY AMERICAN EXPRESS FROM XXXX XXXX XXXX FOR XXXX ON XXXX/XXXX/XXXX. I NEVER NOTICE THE CHARGE BECAUSE I JUST PAY MY MONTHLY PAYMENTS, BUT I HAD SOME OTHER ISSUES WITH FRAUD ON ANOTHER CARD SO I WAS TOLD TO GO OVER ALL MY CREDIT CARD STATMENTS TO MAKE SURE THIS DIDNT HAPPEN ON ANY OTHER CARDS. I DID JUST AS I WAS TOLD AND FOUND THIS CHARGE FROM XXXX/XXXX/XXXX FOR XXXX WHICH I NEVER DID BUSINESS WITH THIS COMPANY AND I HAVE NO IDEA WHO THEY ARE. I DID RESEARCH ONLINE AND FOUND THAT THEY ARE A SCAM COMPANY AND IT WAS ALL OVER THE INTERNET. WHEN I CALLED AMERICAN EXPRESS I LET THEM KNOW THAT AND THEY TOLD ME THAT THEY COULDNT HELP ME BECAUSE IT WAS SO OLD. THEY ALSO LOOKED UP THE SCAM COMPANY AND SAW WHAT I SAW AND THEY STILL SAID THEY COULDNT HELP ME. THIS IS VERY UPSETTING BECAUSE THEY TOOK MONEY FROM MY ACCOUNT AND AMERICAN EXPRESS IS NOT BACKING ME AS THERE CLIENT. PLEASE HELP ME IN THIS MATTER
BMW FINANCIAL wrongfully reported a 30 day negative mark on XXXX accounts dropping my credit score about XXXX points. On or about XXXX XXXX, 2015 I posted two payments on XXXX accounts with BMW FINANCIAL. The payment was post " on '' the 30th day. BMW FINANCIAL still reported both accounts as 30 days late. This is a false reporting as a complete 30 days did not pass without a payment. I brought this up to BMW FINANCIAL and they states it is policy. I stated how can an account be reported 30 days late if only 29 days passed without a payment. The representative stated that it is open to interpretation. Policies should not be vague and ambiguous. I then requested documentation that supports their policy regarding reporting late payments. Representative said they could not provide documentation. I then asked if how they report late payments in the agreement with them. They said it is not. I also informed them I disputed the reportings through XXXX. Agent from XXXX said their notes show that BMW FINANCIALS could not give a reason why they reported the 30 day lates. XXXX then asked if they could remove the negative reportings. BMW Financial told them no. So BMW Financial can not provide documentation to support their policy, they admired their policy is open to interpretation, and still refuse to remove the 30 day marks. If BMW FINANCIAL does not correct their mistake in their reporting my next step is to retain counsel and file a complaint in civil court for punitive damages for negatively impacting my wife 's and I credit and request sanctions against BMW Financial for violations under the FCRA. I have proof of payments made and if it goes legal then can subpoena communication between XXXX and BMW Financial.
XX/XX/2018 Chase closed my account due to bad checks that were sent to me. I was initially told that XXXX had to refuse checks in order for me to make sure my account can stay open. Representative never told me that I had to call back nor did I receive a letter stating that my account will be closed. 

XX/XX/2018 Spoke to Loss Prevention and they said account was closed and I can't open a new one.
I went through a home modification in XX/XX/XXXX. XXXX sold my mortgage to Nationstar Mortgage. Nationstar tends to go up every year and I have a fixed rate. I asked why and the representative stated the taxes are going up. When I get my notice from the tax assessors ' office, the taxes were going down but the mortgage was constantly going up. Lately whenever I try to lower my rate by refinance, streamline, or any type of service, they say I do n't qualify or you need to wait a year. When the year is up, the hit my credit stating I am late. Recently I paid my mortgage and the representative stated I was late and I know I was n't. she stated that by the time it posted to my account on their end, it was late. I told her that I have no control over their posting system but I should n't have to suffer for their error. My mortgage went from XXXX to in XX/XX/XXXX XXXX. I told the representative that this mortgage is getting to be ridiculous. The representative asked why am I complaining? I told her I was complaining, I was merely mentioning the practice of this organization. She laughed. I have not done any additions or modifications to this property. To me it seems like this company price gauge the property to keep customers locked in to them. Businesses should understand that word of mouth goes a long way and they should n't abuse the customers.
My husband and I got a loan modification and signed the papers in XXXX. We signed them and returned them. Our trial payments started for XXXX XXXX. When the bill arrived for XXXX it 's said the balance due and then it said we were late and we owed double the payment. I sent the single payment and also sent a copy of the agreement showing the XXXX payment was due on XXXX XXXX. I then followed up by called the XXXX number and it said our payment was made and the next payment was due on XXXX XXXX. We then paid that payment on XXXX XXXX. I kept calling the XXXX number to check the status but it kept saying our payment was due XXXX XXXX but never changed even though they cashed out check. When I received the new bill for XXXX it showed our payment but now it is showing my applied as XXXX trial payment. I sent copies of our agreement with the payment schedule and the copy of the post office receipt because I sent it with tracking. The new bill for XXXX says we owe our full mortgage. We have paid our trial payments on time.
XXXX County Nevada isn't given my ( Tax-Exemption ) to Freedom Mortgage at all. Now Freedom Mortgage Coming after me for Tax payment. As they gave me my Parcel # XXXX, and Tax-Exemption # XXXX still not given to my Mortgage Company over a year since XX/XX/XXXX. Why are they doing this to us, deemed to be a breach of information wise. Please ; I need help to relegate this unrighteous Dominion and Unscrupulous practices and conduct by such a County ... .. '' XXXX County '', Nevada.. 

I am XXXX XXXXt XXXX Veteran. since XXXX.
Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX Loans. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files, and out of my name immediately.
I am a former student of XXXX and was forced to take out student loans through XXXX XXXX. I recently reviewed a new article alarming students to contact you and file a complaint if they became a victim.
Good afternoon, I am asking for your assistance in correcting my payments, making adjustments, I sense that my leader is using and has used illegal practices. My loan was opened in XX/XX/XXXX. I have been in constant communication with this lender and the contact person is XXXX XXXX. 


Resent Email sent to Lender on XX/XX/XXXX Good morning XXXX and West Lake Financial, I received your letter and the payment history of my account # XXXX and I am requesting your Accounting Departments review and recondition with correcting many late charges, assures that the amounts applied to Interest and Principal are correct, it doesnt look constant, payments made from XX/XX/XXXX to XX/XX/XXXX all went to interest and also late fees were applied, please adjust this. 

I will also be seeking free legal review as this payment history does not feel right, I know from past conversations from your staff the system applied the amounts incorrectly and was told many times that it would be corrected in the system and as I stated before this auto currently requires repairs and I also have an open hearing with XXXX  not yet settled for fees that a previous company should have paid, I have attached the open dispute and due to this I have been unable to register my auto since XX/XX/XXXX. 

I honestly feel that I have paid this auto off and possibly even over paid by now and unfortunately from the XXXX feedback regarding your company, I am not the only one who has this happening and I would really like you to understand that this whole situation has been a burden, pressure and a constant headache since I receive letters from XXXX XXXX stating that a total amount is now due. I am a single Mom with two pre-teen children and live in the XXXX XXXX so everything is high in cost and I am doing my best to resolve this situation and really ask for your help and if you help me resolve this we can have this added to the XXXX   as positive feedback.
XXXX loan originator - XXXX XXXX has refused to provide me with the mortgage estimate in standard Loan estimate form referenced in this article : ( https : //www.consumerfinance.govXXXX ). 

After i had provided him with all necessary information including XXXX, he put hard inquiry on my credit report and refused providing me estimate in the form referenced here in the XXXX XXXX website saying he ca n't provide me with this form until i signed disclosure package and commit to them. I were thrown off, because all other lenders had no problem and gave me their estimate in this standard unified form, so it 's easier for me-consumer to compare terms.
Moreover, he was rude and very argumentative, claiming he knows what the guides are and that all other lenders who provided me with this Loan estimate form did it illegally and he completely ignored that it 's clearly outlined on the XXXX XXXX website. 

In other words he made sure, i will take my business elsewhere, at least where the people are polite and have professional manners.
This is a continuing problem with XXXX XXXX since XXXX. I had XXXX cell phones with them. XXXX of them I used myself and the other was shut off by me and my granddaughter played with it. The contract with XXXX expired In XXXX, XXXX so I contracted with XXXX XXXX XXXX for a new cell phone service. Ever since this I have been CONSTANTLY harassed by XXXX and various collection agencies and the amount has increased to over {$610.00} supposedly owed them from an original {$150.00} charge. I have all the appropriate paperwork to back this. Today ( XXXX/XXXX/XXXX ) I received a very nasty phone call from Diversified Adjustment Company by a man who called himself XXXX. He was very rude from the start demanding to know where I lived, what my previous address was. I demanded to know who he was and what he wanted. He finally admitted it was a collection agency and was collecting on a debt to XXXX XXXX. I told him that i will not pay any XXXX bill that it is not due for any reason after all this time. I told him that I had talked to my attorney and he demanded to call my attorney and I refused to give him the attorney 's name or phone number. The phone number he called from was XXXX. 
I am more than fed up with these collecting agencies calling me and I want the FTC to do something to protect my rights under the Federal Fair Debt Collection Act. I think that collection agencies such as Diversified Adjustments should not only be fined but put out of business. It is harassment to the first degree to be constantly contacting me by phone or mail. I told this XXXX NEVER to call me again. I would appreciate you filing a formal complaint on this as soon as possible.
I provided Equifax and XXXX with copies of the court document showing proof the Judge granted the Judgement in my favor. Equifax and XXXX have contacted the collection agency twice to verify the account. The did not contact the court involved and verify the information proving the Judgement was in my favor and this item should be removed from my credit reports. I filed a complaint with CFPB on Equifax less than 30 days ago and they till verified with the collection agency rather than the courts. They still refuse to remove this collection from my report. This is the first report with XXXX. XXXX has removed the item as they verified the documentation.
XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX XXXX to learn how you can request your free XXXX credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with XXXX who said the site should allow me access to obtain my free credit report. I live in XXXX, am a XXXX citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no XXXX mail service in XXXX. We are moving back to XXXX in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.
Upon reviewing my credit report i have noticed several items that are not mine. I have submitted to the credit bureaus to validate this information and i have also contacted the companies in question. They have yet to remove the inaccurate accounts and need to remove immediately. 
I have also research the laws and FCRA to find that the only negative information listed must comply and these accounts have not complied due to the following : 1. I have not entered any contract or agreement with this companies. Accounts can only originate from a contract or agreement. I have no signed agreement or ink signature of any. 
2. FCRA requires notification prior to submitting any negative information. I have not received any such. 

Remove the following : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX / Child Support ( multiple listings ).
The mortgage holder on our home is Ditech. We send them a personal check every month for our payment. Beginning XX/XX/XXXX, Ditech ran our paper check through as an electronic funds transfer and then cashed the check at our bank. Since XX/XX/XXXX, they have been double-dipping. I never signed any document that permitted Ditech to do this. Naturally, our bank accounts are in free-fall. We have been charged {$90.00} in fees to cover checks written.
On XX/XX/2016 I received a refund check from my insurance company, XXXX. When I called them, they told me that my home owner 's policy had been canceled. A new policy had been issued, but was not paid for. 
I went to a local Bank Of America office on XX/XX/2016, from whom I have my mortgage. They repeatedly told me that BoA could not have canceled the policy. They also told me they had paid for the policy, twice, in XX/XX/XXXX. After much repetition, BoA acknowledged that they had altered my policy without my permission, to change the deductible for wind damage from XXXX % to XXXX %. They also reduced my coverage for personal property loss. 
According to XXXX, BoA called at least 4 times from XXXX XXXX. There were no specific notes on any of these calls. The cancellation and reissue were handled at the XXXX office, not my agent, but the policy was given a new agency code, still with my previous agent XXXX XXXX XXXX of XXXX, DE. 
I believe that neither party should have altered my policy ( paid for with my money ) without my knowledge and approval. No one can explain why they were able to or justified in doing so. 
I am enclosing a copy of the new policy, which I received only because I asked for it today, which includes the details of the agent, the issuer, and the mortgage holder. 
I wish both parties to refrain from altering my policy without my knowledge and permission.
BMW auto has report a 30 day late on my credit report. The date of the derogatory was XX/XX/XXXX 2017. This payment was never late as evidenced from the payment history provided by BMW on the attached XX/XX/XXXX & XX/XX/XXXX statements. Payment due on the 6th of each month, both monthly payments paid prior to the 6th.
Our customer send us a wire for XXXX euros from his bank to our wells fargo account, so we should have received {$57000.00} as per that days exchange rate which was@XXXX but wells fargo debited our account only with {$55000.00} with exchange rate@XXXX which is not correct. 

They are giving us all sorts of false explanation which we do not agree to and need our difference ASAP, this is illegal to deduct this much amount. 

I want an immediate action to be taken here and get my money ASAP
I was contacted several months ago about a payday loan my son had apparently made with a finance company in the town near where I own a house. When asked, they said my son put me as a reference. I told the girl at the finance company that I would contact my son because I knew nothing about him getting a loan, but if I confirmed made a loan with them, I would tell him to call her immediately. When I ended the call with the finance company representative, they were told, clearly, that I was not to be contacted about this matter again unless I was going to represent him legally ( I am a lawyer ). I then was shocked and surprised to learn from my son a half hour later that he did get a {$250.00} signature loan, and lost his job the week before I got the call. He had made some payments, but not once he was laid off a job. I knew the week before the call that he had become unemployed, but knew nothing of the loan, the girlfriend 's loan, or anything about money issues. I have received approximately 20 phone calls in the past 4 months since the first call. They are usually on a Thursday, but sometimes on Tuesdays and Thursdays in the same week, each asking me to have my son call them. This week ( XXXX XXXX, 2017 ), I had a call on Monday and today ( Friday ). I am being harassed over a loan I did n't make. I did n't know about and a loan and I would have told my son never to go to one of those rip-off places. AND I am not responsible in any way to pay back to loan or communicate with my son about the loan. I am not his lawyer, partly because I live 300 miles away. The collection agents are not demanding money from me, but they are doing everything to harass me to see if I will pay the loan for my son. The majority of the calls go to my voice mail, but I have talked with them on three occasions ( the original call, and two more ) and I have said the same thing - DO N'T CALL ME!!!!
XXXX, XXXX, XXXX, and XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX XXXXXXXX veteran very difficult.
I have contacted Key Bank several times about the status of my credit report. I defaulted on my private student loans due to divorce and financial struggles. My loans were sent to collections to XXXX XXXX and I have been paying faithfully for a little over a year. I contacted Key Bank several times asking if my loan status on my credit report could be changed from past due to current since I have been making payments. Each person I spoke to send me to another department and when I finally spoke to the 6th person I was told the status of my loan could not be changed to current unless I paid the balance off in full. I am a single mom I do not have that type of money to pay balance in full. Since they wo n't change my credit report I can not get a home loan. I am spent do n't know what else to do.