WillisBack/dataset-financial-user-claim huggingface dataset:
On several occassions, I have disputed a XXXX XXXX XXXX  / XXXX XXXX XXXX   account that was paid in full to the creditor on XX/XX/2018. I have sent the documentation that I received from XXXX  to Equifax and XXXX that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX and they advised I contact the two credit bureaus ( Equifax and XXXX ) and have them call XXXX  with my authorization to verify the status and balance of the XXXX account. I have called Equifax and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.
XXXX picked up the car after 2 months since it was a lemon law and they put my account on Charge Off with Repossion while it's WRONG and INACCURATE! 
Selling Bad car and XXXX  my CREDIT!
My credit reports show that my credit history is only 6 months. I paid off a car that is reported on my credit. I bought the car in   XX/XX/XXXX   and paid it off  in   XX/XX/XXXX  .  All   XXXX  c redit reporting agencies previously showed this under credit history, but somehow it 's now only showing 6 months. The reporting company was  XXXX   XXXX .
Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores. 

www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint 1 in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Complaint 2 : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly. 
Complaint 3 : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) : XXXX comment-XXXXAll the Best, XXXX XXXXPS : not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.
a car loan for XXXX per month for 72 months was original agreemen. 
6 months of extensions at various intervals during course of loan loan maturity was extended to XXXX 2016 .I WAS TOLD ATTHAT TIME XXXX WAS STILL OWE.THIS SEEMS LIKEAN EXHORBITANT AMOUNT OF INTEREST FOR A 6 MONTH EXTENSION,
Citibank build me for a membership fee of {$95.00} when I had no account with Citibank. I believe this to be a credit card scam. The scam stated I was a member since XX/XX/2017 I've never had a Citibank card in the last 20 years.
I received this email from Wells Fargo : Our records indicate that your Wells Fargo checking account XXXX that is linked to your Bill Pay service has been closed or is no longer available for use with Bill Pay. A Wells Fargo payment account ( checking account ) is required to maintain your Bill Pay service. 

Until you designate another checking account as your new payment account, we have canceled any pending payments and will suspend any automatic ( recurring ) payments that have been scheduled. 

If this was the only checking account linked to your Bill Pay service, please contact us at XXXX. 

If this is not the only checking account linked to your Bill Pay service, please sign on at https : //www.wellsfargo.com to select a new payment account and reschedule your payments. 

If you have questions, we are available 24 hours a day, 7 days a week. Call Wells Fargo Online Customer Service at XXXX or sign on at https : //www.wellsfargo.com/questions to send a secure email. 


========================= Please do not reply to this automated email. To send a secure email, sign on at https : //www.wellsfargo.com/questions. 

I attempted to send them a secure email through their website, but was not able to do so. The email was never submitted. 
I called to discuss the issue with them, but they refused to discuss the issue with me. I have a recording of the phone call as well.
I have an equity loan it went from interest only to principle and interest I called to get the loan modified they told me hat they just service the loan they do not write it. The loan went from & XXXX to $ XXXX few months later I found out that they do modify, I made out XXXX packages. The first XXXX they said that they did not get all the paperwork I sent them a third and they said that they received all the paper work. I waited and finally they said that I was denied. In the mean time I contacted Hud to help me. They tried to call and work out a modification No response. I called to find out why the person on the phone said that she could not figure out why they denied me. To send in another letter to get someone else in the department to take a look at it no response again. I have proved that I have a hardship. Between Loosing my job lower income and loosing my father and almost loosing my mother. They keep dragging this out so I will loose my house. If they modify I can afford my payments.
XXXX  Card services has been calling my cell phone 2-3 times a day every single day for past several weeks. Even after requesting them and writing them to stop contacting me by phone. I plan on paying my debt I am just jobless after a move. The company has ramped up its calling efforts and is now calling me more then 2-3 times a day. I had 6 calls today alone from them. I want them to stop calling me.
I have filed BK it got discharged XX/XX/2017 I contacted XXXX to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit
To Whom It May Concern : I had a promotional APR of 0 % on my Chase Amazon credit card. Chase has not applied my payments ( excess of min. payment ) to the account balance with the highest APR. In fact, when I researched how Chase applies excess payments on their website, I came up with the following ( see below ) " How are payments applied to the different APRs on my balance? 
When you make a payment, generally we 'll first apply your minimum payment amount to the balance on your monthly statement with the lowest APR. If you pay more than your minimum payment, we 'll next apply money to the balance on your monthly statement with the highest APR. If you do n't pay your full balance each month, you might not be able to avoid interest charges on new purchases. '' - Per Chase Website. 

The Credit Card Act of 2009 requires a card issuer, upon receipt of payment, to apply amounts in excess of the minimum payment amount first to the balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. 

Chase has not treated my payments in this fashion. I would like an adjustment to be made to my account. 

Thank you.
In XX/XX/XXXX I went to the emergency room for an XXXX that I had on my XXXX due to XXXX. When I received the bill a few weeks later I mailed them a {$10.00} check, and was never contacted after that. I was never sent another bill or called for the remaining balance, and had honestly forgotten about the bill completely. I am now ready to purchase my first home, and I went to check my credit score online to get an idea of where I stand. I noticed I had an open collections account with the amount of {$310.00} with XXXX XXXX XXXX that I was never made aware of, and the account had been open since XX/XX/XXXX. I attempted to email the company in regards to the account where they state they will respond in 1-2 business days, but I never heard back from them. I called them today on XX/XX/XXXX and found out it was from the XXXX XXXX XXXX  visit that I had in XX/XX/XXXX.  This has drastically affected my credit score to the point of possibly not being able to purchase a home. If I had known about the bill I would have paid it years ago, but I was never contacted by the original collector or the current collector about the bill.
I have collection report on my XXXX credit report from Midwest Recovery Systems. The account number is XXXX. Please be advised that I am disputing this collections due to the fact that Midwest Recovery Systems, do not currently have a valid license in Illinois to collect on debts. This information is stating that their license is revoked. According to the IL Department of Financial and Professional Regulation.
I am trying to qualify for a loan to build ( and get a with a take out mortgage too ) my residence on a small XXXX I own. I have been told that by federal banking laws, I can not use any of the net income on the XXXX to qualify for the loan. I do not understand why this should be true. Is it?

Without the house, there is {$7000.00} of property taxes on the land, mostly attributed to the value of the XXXX. The bank says all of the property tax obligation under federal banking laws must be included in my residential tax obligation, even though it is fully paid by the XXXX income, which I can not include in my income. I think only the additional property tax associated with the new residence should be included.

I asked my XXXX credit association. They can only lend me money for my XXXX activity, which they do. They can not lend for the residence because most of my income is from non XXXX activities.

I had three loan brokers tell me they can not lend based on the XXXX income and that I had to include the full property taxes in my annual expenses and could not any off set for the XXXX   income.

This does not seem just. Can you please look into it. Thanks.
Experian did not take normal and expected measures to protect my credit information. As a consequence, my personal information was part of the XXXX 2017 hack. If I were ever given the option by Experian, I would not have allowed them to store my information in the first place!
transunion is not good credit watch company, they do not update my credit, like credit card is already closed long time, but they still show is open. when I apply new credit, credit card company think I had a lot activated credit card, then they decline my apply. even I had over 800 credit score.
To whom this may concern : Im filing this complaint because NationStar/Mr Cooper is once again, trying to fraudulently foreclose on my owner occupied property.! They promise to resolve this problem before! They said they would take 30days to give a FAIR REVIEW..! Instead we got a Unfair 3-5 day Denial, when they could clearly see that we should have gotten a modification that was affordable.. They can also see that we have the income for it, but they would just rather take our home anyway Instead! They have on their RECORD SO MANY FALSE AND FOUNDED CHARGES.. To make us so guilty and unworthy, It should be crime! If I did not feel that I am right about this Whole situation, I would Honestly and Proudly walk away and leave it all alone.!!! But I can not just give up on being DONE WRONG..! This is all a simple fix, stop stonewalling us put us back on track of the terms of our XX/XX/2012 modification.. 
Allow us too get at least Two years of clean mortgage history and we Refinance out. 
drop all of those other charges put us back at the AMOUNT WE REALLY OWE $ XXXX. 
AND WE MOVE ON WITH OUR LIFE.!! No more court issues of pointing fingers back and forth at each other..!! And Most of All put all of my XXXX THOUGHTS AND ANGUISH, OVER HOW MY FAMILY HAVE TREATED!!!!! OVER THIS ENTIRE SITUATION YOU GUYS HAVE PUT ME THRU ...!!
Costco switched exclusive credit card companies in 2016 from XXXX ( XXXX ) to Citi. We had our XXXX card setup for auto payments and were n't getting a paper statement. At some point we changed addresses and did n't think to update the XXXX card with the new address ( why would we, we were auto paying ). When Citi took over at Costco we had a balance on our XXXX account get transferred to Citi. The Citi company says they sent a statement to our old address, but we never received it, nor did we receive a phone call. Over the next several months ( XXXX through XXXX I believe ) our account received approximately {$130.00} of late fees and interest charges. We were finally contacted by a debt collector in XXXX. The debt collector gave us a number at Citi to contact for dispute. Upon calling XXXX Citi informed us they could n't comment on the account, it had been locked out by legal department. Only way to get any information and have the account unlocked so they could help was to pay the debt collector. After several calls we decided to pay the debt collector even though we were unsure if our account had fraudulent charges ( again, we knew nothing about the policy to send our account balance to Citi ). Upon paying the Citi we called back to the dispute department. After several weeks our account was unlocked but closed. The dispute team could n't refund our money and said there was nothing that could be done due to our account being closed. We submitted a letter to dispute and it was ruled in favor of Citi.
On XX/XX/XXXX, I submitted an investigation request to XXXX and Trans Union.  They are supposed to respond with the results within 30 days, but they have not.
XXXX Hospitals of XXXX XXXX never billed, or validated when requested, the amount presented ( XXXX ) for XXXX work. there was a erroneous billing to my insurance XXXX XXXX XXXX XXXX and a later refund to them which they applied to wrong bill for later work. Some years later another overcharge and repayment was applied to this item in collection. Not legal as they had turned action over to collection and can not act on the bil the second XXXX dollar overpayment should have been returned and the other earlier bill should have been removed. Multiple phone calls have yielded nothing as each other blame the other.
I have Public records listed on my credit reports that are inaccurate and incomplete such as a Bankruptcy, that the XXXX major credit reporting agencies Transunion, XXXX and XXXX are reporting. The federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Transunion, XXXX and XXXX numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE these Bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from the Federal Bankruptcy Courts stating that they DO NOT report to the consumer reporting agencies, but yet the consumer reporting agencies are saying that they have verified it through Federal Bankruptcy Courts and I know they do n't because the information they are reporting is inaccurate and incomplete.
On either XX/XX/XXXX or XXXX XXXX XXXX 2017 ( I can not remember the exact date ), I called Sallie Mae to discuss why I received no e-mails or letters or phone calls about my forbearance ending and my payment being late. After that issue was resolved, I learned that I might qualify for a program to help lower my payments since I am going through a lot of health issues and am not even allowed to work full time because of my health issues. I talked to a representative and he took my information and I answered all of his questions and then he said he would need to talk to my consigner. On XXXX XXXX XXXX 2017, my consigner called and talk to a representative who was quite rude to my consigner who is also my mother and I do not appreciate that. During that call, my mother described how the representative tried to convince her to ask people who have nothing to do with the loan to make the payments on our behalf and that is 100 percent uncalled for. This loan is between me and my consigner and has nothing to do with other family members and friends. When I called on the same day, after my mother, I was told that I did not qualify for any program because it could not be guaranteed that I could make a lower payment so I would have to make the full payment that we can not afford now. If Sallie Mae acknowledged that I might have a tough time making a lower payment, how do they expect me to make a higher payment.
I had a vehicle that was stolen in XXXX XXXX. I made my monthly payment to Ally Financial early for that month and called to request that the payment be returned because the vehicle was stolen. They returned the payment and awaited payoff from my insurance company. 
I called ( Total Loss department ) weekly to make sure they needed nothing else from me and when I called in XXXX they stated they had everything and had received a check from my insurance company and communication from the GAP company. I was told I was all set. 
Fast forward to XXXX XXXX, XXXX I missed a call from an unknown number and called it back the following day after a second call. It was the collection department at Ally. They stated I owed approximately {$5400.00}, after being transferred, it finally became {$670.00} after being researched. 
XXXX different representatives ( because XXXX disconnected the call ) in escalations ( XXXX and XXXX ) advised XXXX different reasons as to why it was XXXX and I am just being notified of a balance. XXXX stated that it had to do with an incorrect payoff amount being given to XXXX XXXX. The time it has taken to notify me of a balance that I do not believe I owe is ridiculous.
XXXX and TransUnion have failed to report my XXXX XXXX credit card account which reflects positive payment history and could help raise my credit score and lower my credit card utilization. The account number for the XXXX XXXX XXXX credit card is XXXX. The account was previously reporting at both bureaus but it was deleted in error and never corrected. I have called each credit bureau several times to reconcile the situation but they continue to blame XXXX XXXX for lack of reporting. However, XXXX XXXX XXXX  sent me documentation in the mail on 2 separate occasions proving that they have been reporting accurate information to all 3 credit bureaus. The XXXX XXXX credit card referenced above is accurately being reporting on my XXXX credit report yet these two bureaus refuse to correct their mistake. I demand that the bureaus be required to report accurate information as stated by the Fair Credit Reporting Act or I will be forced to seek legal action immediately for the damages incurred and for being unfairly denied credit due to their negligence!
I have been contacting CBNA, who appear on my credit file as CBNA numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. I am still confused as to who this company is because it says XXXX XXXX XXXX XXXX, and other times at Citibank. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It is also listed on my XXXX   report XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Neither of these did i authorize or give permission. They are a result of fraud.
In XX/XX/2017, I used my chase freedom credit card to purchase a barn door from XXXX, that gave me a wrong product, which was completely different from what I ordered. I chatted, emailed and called the store agent for a solution, and the store manager also contacted me back and promised me a solution. However, in the next couple months they just forgot everything and no updates at all, even I called and tried to reach them many many times. So, I contacted chase credit card company and request for a dispute the charge on the wrong product XXXX provide me, with a series of screenshots I chatted with XXXX agent. What shocked me was, with such sufficient evidence I provided, the Chase credit card company denied my request and chose to protect the merchant who made the mistake!
I opened an account with Ctiizens Bank with a promotion that promised to post a {$200.00} bonus credit to account within 90 days of an eligible direct deposit that posts to the account. Such an eligible transaction occurred on XX/XX/XXXX. However, the promotional bonus was not posted within 90 days, and instead was posted on XX/XX/XXXX. I was charged " overdraft '' fees three separate times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I never signed up for overdraft protection with this bank, and my account balance would not have gone below {$0.00} had the bank posted the promotional bonus as per the terms of the promotion.
I contacted pennymac today XXXX and asked to uave PMI removed from my FHA mortgage since it had been over 2 years and my LTV is below 80 %. They stated that i had to have PMI for the entire life of the loan. 

I dont belive this is true. 

Please advise my options.
My parents took out a private student loan through XXXX XXXX in XXXX 2004. I was the XXXX co-borrower on the loan. It stared out as a {$22000.00} loan. I had asked that the loan be cancelled but my parents decided to keep it for their personal use. Throughout the years my family had defaulted a few times and has affected my credit. XXXX XXXX changed to Navient. When they switched over, Navient made a payment agreement with my parents to get back on track with their payments. My XXXX questions are : When this loan was refinanced through Navient, should n't I have been allowed to take my name off loan? I never signed off on any paperwork. 2 : I feel that there is something wrong mathematically as to why this {$22000.00} loan has a balance of {$39000.00}
On my credit it says I owe the government XXXX dollars which is n't even possible for a XXXX XXXX XXXX who has never had a school loan or a car loan. This is mistaken for someone else and I know it was not me.
I received a letter dated XX/XX/2018. I received a call from them on XXXX-18 stating that the original debt owner wanted them to proceed with a lawsuit. I feel that this is harassment as according to their own letter I am still with in the 30 period to dispute the debt in part or as a whole and to have the debt verified. I asked them to call me back on XXXX-18 so I could discuss with my wife to determine our options. The time agreed to came and I decided to write this while I decided to have the debt verified.
disputing transunion score reporting on one blemish that has taken my score down so low.