WillisBack/dataset-financial-user-claim huggingface dataset:
The credit reporting bureaus do not report accurate scores. I understand that scores differ a little on each report but my scores are too different. It is interrupting my attempt to repair my credit and stopping me from having good credit. My XXXX score as of XX/XX/2018 is : XXXX XXXX score as ofXX/XX/2018 is : XXXX Experian score as of XX/XX/2018 is : XXXX  I need this to be fixed. It seems like a scam to keep me from enjoying the benefits of good credit.
My husband and I had a VA mortgage through XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. We were in the process of selling our home in XX/XX/XXXX. We closed on our house on XX/XX/XXXX. The title company was in possession of the payoff check and was responsible for disseminating the check to the mortgage company. Due to having to pay {$10000.00} to sell our house, we were unable to make the mortgage payment for the month of XXXX. Since we closed on XX/XX/XXXX, the payoff was sent to the company within the 30 days. The mortgage company decided that they would place a 30 day late payment mark on our credit report, regardless. The method of disseminating the payment to the company is not in our control and due to the company 's business hours, they claim they did not receive the payment until XX/XX/XXXX. My husband called and talked with a representative that was very rude to him and insisted that we should have a thorough knowledge of the mortgage business. I attempted to resolve with the company through a phone call and the XXXX, but the company insists that they have recorded calls from a week before the closing date, but none of the calls after. I even talked with the company on XX/XX/XXXX and informed them that we had closed, but they state they do not have that recording either. We had a perfect payment history with the company and are offended in their treatment of veterans when a situation is out of our control. We did everything possible to get the payment to them before the end of the month and are not responsible for their business hours or the actions of the title company. We would like them to amend our credit report.
My daughter sent us a quickpay in the amount of {$1900.00} on XX/XX/2016, after the day my account did n't show the deposit so i went to Chase to check, talked to one of the representative. They can not resolve the issue, we have to call Chase main office, i was told that someone has the same email address and already receive the funds of {$1900.00}. As i know, in order to send the Quick Pay, we have to provide the account of the person you want to send the money to. Now Chase wants us to make a claim in order to get {$1900.00} back. I do n't know anything about the regulation but i feel that the consumer is not going to have peace of minds if banking instiutions such as Chase are so careless about giving our money to just anyone with the same email account.
In 2014 I purchased a XXXX XXXX exercise machine for approximately {$3000.00}. I was offered a promotional no-interest finance arrangement. I asked for and was told that the monthly payments would cover the promotion period and that I would not be charged any interest as long as I made those payments and that this would cover the purchase in full. I unfortunately did not pay close enough attention because this was apparently not done. Now I discover I have paid over {$1800.00} in interest and still owe {$2100.00} on the note. I offered to pay the remaining principle balance of $ approximately {$1100.00} but was told this would not satisfy the obligation. I am being charged 29.99 % interest on the unpaid balance. I told them this was unacceptable, if not criminal, that I was misinformed or lied to and that I would not be making any further payments.
1 ) XXXX XXXX # XXXX For XXXX XX/XX/XXXX, I have not lived in that house in over six years. Had no balance when I moved. Anything accrued after XX/XX/XXXX was landlords ' responsibility. That property was a XXXX house. 

2 ) XXXX XXXX XXXX # XXXX For XXXX. This charge should have been removed in XXXX. I opened a PUC Case In XXXX which ruled in my favor. I moved from the state of PA XX/XX/XXXX. How in the world do they submit to the credit bureau a charge I was billed in error, which should have been adjusted a long time ago on my credit report in XXXX? 

3 ) XXXX XXXX XXXX for XXXX. # XXXX. Reported XX/XX/XXXX, for {$160.00}. 

Incorrect Billing my final bill was {$130.00} and they owed me an adjustment off of that amount for {$25.00} for charging me shipping of an emergency phone. I was told by a representative they would adjust the {$25.00} off the {$130.00} since I was told they were shipping it for free. To date, they have not adjusted the charge and have added additional fees. 

4 ) XXXX XXXX gave me a card for {$250.00} only. They claimed that the last payment was recieved in XX/XX/XXXX. According to my records the balance was paid in full by XX/XX/XXXX. I have not used that card in years. Please request a full detail of all payments I made from the time I received that card in XXXX. Where did {$420.00} come from many years later. 

5 ) XXXX XXXX  XXXX XXXX # XXXX. 
XXXX XXXX owed me {$300.00} For signing up first time customer and staying with them 90 days with all payments on time. I repeatedly called and request my credit which I was informed by several supervisors ; I have their names, dates I spoke with them and their I'd numbers that I would receive my credit. To date all that they gave me was {$110.00}. From my record they still owe me {$180.00}. These companies believe in cheating consumers out of their credit.
XXXX XXXX XXXX XXXX. company suddenly appeared on my credit report out of nowhere. Supposedly it is from a " debt '' from XX/XX/XXXX. This is absolutely false. I did not have this collection agency on my report in the past. It just recently appeared in the last few months. I know for a fact that this is not my " debt '' because I have been able to open an auto credit account with XXXX  in XX/XX/XXXX and paid for and they would have never approved me if this " debt '' was on my report. I am a recent college graduate and I currently need to relocate due to my job and have been trying to find an apartment to rent yet I have had issues trying to get approved because this supposed collection is showing on my report.
After recently checking my credit report, i found that Wells Fargo Financial Cards account number XXXX reported to XXXX on XXXX/XXXX/2015 that I have a balance of {$14000.00} with a past due amount of {$4700.00}. They also reported to XXXX that this account is 120 days past due. It shows a credit limit of {$15000.00}. This information is not accurate and is not true. The account has been charged off in the past and Wells Fargo is aware of it. But yet they constantly report bogus information to XXXX. Wells Fargo needs to correct this ASAP.
I contacted  XXXX   XXXX   XXXX .  XXXX  option  XXXX . Spoke to  XXXX  regarding a lien that is on my home. The debt was in BK. I explained by BK was released in   XXXX   XXXX     and I should no longer have a lien on my home. She said she had to look into it and would go from there.  XXXX  I called back and spoke to  XXXX  and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy.  XXXX  I called again she stated there were not updates and not copy yet.   XXXX   Called and still no updated per  XXXX .   XXXX    XXXX  stated still no updates.  XXXX  I spoke with  XXXX  said no updates. I asked to speak with a manager and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the manager was a lunch and sent me to voicemail. I did not get a return call.  X/27  My husband called first she stated no updates he too asked for the  manager  and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number.  XXXX  I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since   XXXX   and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her  manager  has not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to  3.75.  I have kids and would like to get my mortgage down. I 've been overpaying for many years.
Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, Credit Karma, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX or XXXX  in order to obtain a code to temporarily lift my credit freeze. TO  say I have been led down a primrose path in my multiple attempts is an understatement.
Creditor Name AD ASTRA REC Original Creditor 12 XXXX XXXX 83 Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX
JTM capital, XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX with two men named XXXX XXXX and XXXX XXXX or XXXX. They have called threatening they have taken legal action ( which they have not ) three t Bening to.come to.my house, place of employment and garnish my.wages though no legal action has been taken. I volunteered to pay with written proof of debt and a secure payment option in which the lady in financial services began to threatened argue with Me if I did not give her my financial information. She then hung up on Me. They have called multiple times and use different legal threats each time. Harrass employment and do not follow through with simple verifiable information - written statements. The phone number they provide does not come back to a valid business, all numbers routebacktoXXXX XXXXXXXX and when questioned as to why I could not locate them on XXXX. They statically people don't use the internet. No information about their existence, phone numbers or names are not traceable as valid businesses.
I clearly indicated the debt was not mine and that I needed copies of the documentation to file the necessary police reports. I believe I am a victim of identity theft and wanted the evidence to provide to the police department. The collection agency refused to have the company that provided them the claim contact me, dispute the claim and remove it from my credit report.
Bank Of America wo n't help us modify a loan not even with a settlement. We are on active Bankruptcy chapter XXXX and since Bank of America is a XXXX loan and the house is not worth it once I finish my BK chapter XXXX they will not get payment, so I called to get a modification on that loan or a settlement and they are happy to loose their money. They say we do n't qualify for any program they offer but we are underwater and we are willing to work with them to come to a settlement but maybe they will get more money by filling a claim with an insurance stating I was not willing to pay of help.
My credit has been used after XX/XX/2012, and I have been out of the country and there has been OUSTANDING CREDIT CARDS WITH NO PAYMENTS. I WANT TO PRESS CHARGES
On XX/XX/2018, I opened this account using a promotional bonus offer of {$400.00} with specific requirements. I have met all the requirements and was not awarded the {$400.00} bonus as of today. I have contacted the bank multiple times without resulting in any resolution.
XXXX XXXX XXXX, XXXX XXXX XXXX credit card charged off my account on XX/XX/2017. The card was secured for {$200.00}, and I had an additional overage of XXXX. On XX/XX/2017, I made a payment of {$120.00}. On XXXX XXXX, I contacted the company and spoke with XXXX, who informed me that the company will continue to report my account as charged off rather than closed and paid in full, even though they admit that I do not owe them any further money, as they used my security deposit to satisfy the purchases I made, and I paid all over the limit fees. XXXX further informed me that it is the policy of the company to report inaccurate information to credit bureaus unless and until the information is disputed.
Planet home Lending told me sheriff 's sale would be XX/XX/XXXX  . It was delayed 3 or 4 different times. They even had some scheduled without notifying me, found out from a neighbor. I moved out before the first scheduled sale. At one point they had someone call me and offered me {$700.00} to get my stuff out so they could fix it up and rent it. Another time they falsely accused me of abandoning it broke in and changed the locks.i made a report to police and pictures were taken. I have been doing the yard work ever since I left. They had another sheriff sale  XX/XX/XXXX . On  XX/XX/XXXX  they had a realtor put a sign on the door saying no trespassing and threatened prosecution. I called sheriffs off ice and they said the sale was not approved or signed by a judge and I have the right to go  in.I m ade a report to local  police.This  home was at one point financed through  XXXX  and I believe something crooked is going on because of 2 years caused me to move out. They kept sending me @ {$1000.00} a month bill.I could have fixed this home and got some of my money back. It is a VA loan. They are ripping off me and the VA. I purchased it for {$140000.00} in XX/XX/XXXX  .   I wa s told they purchased it back for $  XXXX  I b elieve with about {$20000.00} investment this home could sell for close to {$200000.00}. I 'm looking to sue for my losses.
1. My current emplyer and has been for the last 8 years is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. There are addresses listed that I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Subject account was denied for a modification by XXXX XXXX. 
When initially applying, XXXX was denied and a letter was sent on XX/XX/2018 from XXXX stating that qualifying income would be {$2500.00} per month. 
We reviewed her income and saw that the initial application did not properly express what income she made and we promptly resubmitted ( on XX/XX/2018 ) with correct income - {$3300.00} monthly. 
We received another letter shortly after ( on XX/XX/2018 ) saying that she was denied, but did not say specifically why. I called XXXX today and they said that the investor denied her due to insufficient income. 
I do not feel the second application was properly reviewed. 
No one at XXXX has been able to further explain why she was denied, even though she is qualified and eligible for a modification.
Citi Bank advertised in XXXX 2016 that it will give {$400.00} bonus to a customer who deposits {$15000.00} into a new Citi Bank checking account. The bonus will be rewarded within 90 days. I opened a checking account with Citi in XXXX, deposited {$15000.00} on XXXX XXXX, 2016. The bonus is supposed to be deposited into my account on XXXX XXXX, 2016. I called the bank many times, first time on XXXX XXXX, it said the issue will be handled within XXXX -XXXX hours. As of today, XXXX XXXX, the bonus {$400.00} was not there yet.
On XXXX/XXXX/2016, My husband and I called XXXX XXXX to make a payment to Honda financial ( because they refused to take a payment directly from me ). XXXX XXXX confirmed the code and company I asked them to send it to as Honda financial code CA and proceeded to send my payment to XXXX instead of XXXX. Now XXXX has a repo out on my lease for being ONE payment behind ( which is ridiculous ) and XXXX XXXX will take no accountability for THEIR error. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time all they say is the funds never came back and there is nothing they can do ... Honda does n't care and said there is nothing THEY can do and said they are going to take my car. IN order to make this payment i had to max out my credit card so its not like i can just pull money out of thin air to cushion their a mistake that was beyond my control. This whole situation is beyond asinine! it blows my mind that XXXX can XXXX less about their consumers when they pay THOUSANDS of dollars for a product. Further more it sickens me to think XXXX XXXX can get away with causing my car to be repossessed thanks to them dragging their feet and doing NOTHING to rectify this situation. All the calls are recorded so there is NO EXCUSE for it taking an entire week to resolve an issue that they created. It also is beyond inexcusable that Honda cant do a thing to put my account on a freeze or something until XXXX XXXX resolves this. I am beyond disgusted that my life can be ruined by XXXX TERRIBLE companies that do n't XXXX about the consumers they service. Not to mention Honda claims to have sent me a repossession letter months ago and I just found out about it on XXXX/XXXX/2016. they said a letter was sent months ago and have failed to provide the signature on the alleged certified letter. I think this Is because they did n't send one because no one in my household singed for anything like that. I think what they are doing is illegal and wrong so that they can scam me for more money at this point. I also want to note that if they had changed my payment due date 2 years ago as requested on several occasions, I never would have been behind on my payments as I was unexpectedly laid off and advised them I needed the date moved to compensate. I 've never worked with such an incompetent group of corporations in my life and if that is the way they want to do business, I am SHOCKED that they are still in business.
I'm a victim of identity theft I've sent the identity theft report and the police report to Equifax and to the rest of the credit bureaus. All the creditors have removed the fraudulent accounts but Equifax. I'am extremely upset and disported on how equifax disputes the fraudulent account. I don't understand how a fraudulent accounts are still reaming under my name is beyond my understanding Its been a while that I've been disputing these accounts and I'm extremely distressed I've contacted the creditors and I haven't gotten anywhere My identity was jeopardized. I lost my purse at an event and after that I've realized accounts were oping under my name. These are Not my accounts thyrese are froud. Please i need help remove these fraudulent accounts.
In XXXX I attended two courses at XXXX XXXX University. XXXX XXXX XXXX was supposed to take care of the payment for the two courses which totalled {$1500.00}. They did not due to a time difference for the approval. The payment fell to me. I was unware of the debit. In XX/XX/XXXX my credit was run and a debit in the total of {$1500.00}. Penn Credit held the debit and did not inform me of the debit. I reached out to them to figure out the situation. Again, they never once reached out to inform me of the debit. I then tried to ask them to remove the debit from my credit score due to there innability to follow the FCRA guidelines to inform me of the debit. They refused and quoted only medical debits can be removed. I have paid the debit in full and am trying to now remove it from my credit history because of two different institutions ability to inform me of the debit before it had gotten to a collections point.
I have been paying my student loan pretty regularly until recently when I had gotten behind one month but have since caught up. However, Navient calls both my dad ( co-signer ) and me SEVERAL TIMES A DAY BEGINNING AT OR CLOSE TO XXXX AND ENDING SOMETIMES AFTER XXXX I have communicated this to them but they refuse to quit calling.
Have been leasing a number of XXXX cars, my last lease that was over in XX/XX/XXXX. There was a disposition fee of {$390.00} that is paid when the lease is over and is usually mailed to address on record. I never received that letter so I can pay the bill, I have always been on time with them including all car payments for years and all disposition fees if applicable. In XX/XX/XXXX, I received a mark on my credit report saying i have a missed payment. I immediately called them and paid, and also tried for them to take it off the credit report as I never received the letter with the final bill, which I would have paid without a problem. This crushed my credit report and it took me over a year to return to normalcy more or less. I tried again get it removed and XXXX XXXX XXXX said they do n't want to do anything. It is still showing up on my report. Please help. I never missed a payment to anyone since I was XXXX years old, so almost 20 years.
Fell behind on my loan modification and unable to catch up by the end of this month. Wells Fargo sends me a notice on XX/XX/XXXX saying I have to come up with {$2500.00} by the end of the month or face foreclosure. I ca n't do that. It is impossible. They do not seem willing to even work with me.
In XX/XX/XXXX I submitted an order for XXXX cable, internet and phone service. In order to do so, I had to open an account. However, XXXX never established service or installed any equipment. After a few weeks, I gave up and instructed the company 's representative to close my account. Much later I was contacted by several debt-collection agencies, most recently SouthwestCredit, demanding payment of {$150.00}. On XX/XX/XXXX, in response to a letter dated XX/XX/XXXX, I wrote to Southwest that I had never received XXXX service and had instructed XXXX to close my account. In a letter dated XX/XX/XXXX, Southwest responded that their " investigation '' had " confirmed '' that the full amount was due immediately.
I called Honda XXXX on XXXX, spoke with a lady named XXXX, requested the full payoff amount for my lease/loan. I was given the same amount that appears on my online statement. I paid {$22000.00} in full immediately following the call checked on XXXX and the assessed XXXX in tax fees. When you call for a payoff that is the amount you owe, should be nothing more. This is unbelievable practices by Honda. From my understanding taxes are included in the lease payment, so where did this come from and how can these dealerships/finance companies continue to do this to the consumer. Secondly, we moved from XXXX to XXXX XXXX and Honda changed our car payment ( increased it due to taxes ) without any notice to us, just took the money out of our account. Same happened again when we moved to XXXX, fortunately the amount was lower this time, but still no written notice of any kind. Something has to be done about taking advantage of the consumer.