WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed the incorrect information in my credit and they make no effort to make accurate change to this record. This account was paid in full and they keep reporting it to my credit.After multiple disputed. Also there 's a tons of unauthorized inquires, reporting late payments on student while account was in deferment/no payment was require. I also want to mention  XXXX   XXXX   XXXX   as inaccurate as well+a late payment been report by them as well. Please help me solve this issues. It 's unfair for them to be treated me like that, I feel like I am not being treated equally.
Bank of America/XXXX XXXX closed my IRA and charged {$50.00}.
I had service with XXXX XXXX internet but the service was no longer working and I made call after call and they sent out a tech several times but they either couldnt get it working or they would get it working and right after they left it went down again. This went on for a total of 3 months and they kept applying credits and eventually told me it was a problem at the pole and they were waiting on permits. They never got it fixed ao I was forced to cancel service and sign up with another company. I got a bill and contacted them and they told return the equipment and the credit would wipe out the remaining balance owed. I did at a XXXX location. They reported this to XXXX XXXX and I disputed theough credit bureau and nothing happened. I have no documentation because it was all by phone but XXXX has a booked of transcripts of the calls because every time I called the person could read everything already done from previous calls. It is not much but it is unfair I should have to pay for service they disnt provide.
I would like Well Fargo to explain to me why they have XXXX different prices for my home. This process has been on going for months. I believe they are stalling so that the XXXX HAFA incentive will no longer be applicable. The HAFA incentive expires at the end of this year. 
Here are the conflicting emails : From : XXXXXXXXXXXX Sent : Wed XX/XX/XXXX XXXX To : XXXXXXXXXXXX Subject : RE : XXXX XXXX XXXX XXXX XXXX We have received the appraisal and the adjusted counter amount is to a purchase price of {$730000.00}. Please submit the buyer 's highest and best offer by the end of this week. 
*** Please fax all documents to XXXX and ensure that the borrower 's loan number is included with your submission. *** Thanks, XXXX XXXX Loan Adjustor -HAFA Negotiator Default Decisioning | Short Sales - Private | XXXX XXXX | XXXX XXXX , IA XXXX XXXX XXXX XXXXXXXXXXXX Hello XXXX, I have received the following email from WF today : A review of this file has completed and a Notice of Short Sale has been issued. If you obtain a new offer meeting the required minimum net proceeds as shown in the Notification of Short Sale ( NOSS ) agreement, please submit the fully executed purchase agreement and HUD-1 in order to continue the review. 

LIST PRICE GUIDANCE : {$760000.00} NOSS EXPIRATION DATE : XXXX/XXXX/XXXX Any short sale offer may require Investor or Mortgage Insurer approval. 
In order to move forward with the short sale process, a new offer meeting the required MNSP must be received by the expiration of the NOSS. 
Please fax all offer documents into XXXX and ensure the borrower 's loan number is included with your submission. 

Wells Fargo has shown us all how corrupt they are. When is something going to be done about it??? I have a payoff number. Why does Wells Fargo just use that?? They are insisting on a higher payment. Why?? Who is that going to benefit?? Wells Fargo has supposedly has been given XXXX dollars from out government to HELP- So far I have received NONE. What are they doing with all that money??? 
I am a victim of the XX/XX/XXXX pick a payment predatory loans. After almost 10 years of mortgage payments my loan is now more then XXXX over what the original loan was back in XX/XX/XXXX. 
I was denied modification and any help back in XX/XX/XXXX/XX/XX/XXXX when I was struggling with the balloning monthly mortgage payments. I want justice and I want it NOW!!!
over due parking ticket for the city of  XXXX   XXXX  was paid in full to the city of  XXXX   XXXX  in  XXXX   2017  ( check mailed  XXXX   XXXX , cashed by city  XXXX   XXXX   ).      Despite this ticket being fully paid 3 months earlier, "   XXXX   XXXX   XXXX   XXXX   XXXX  '' intercepted funds from my CA state tax refund - notice issues  XXXX   XXXX   2017 .     This should not have happened.   Upon contacting   XXXX   XXXX   XXXX   XXXX   XXXX , I was informed that they will evaluate a refund upon receipt of proof of payment and debt notice, and that this will take bet ween 90-120 days / another 3-4 month s.
I made a mail charge and it was not applied to the right account. My account was charged a late fee and I need it switched to the right account. Please call me at  XXXX .
My issue with this Debt Buyer is that I keep having different continuing issues with this Debt Buyer. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account they they have had for years and have been reporting for years as new and just assigned in XXXX to at least XXXX bureau. Previous to my dispute and complaint they were reporting as placed for collection XXXX. They were also reporting as open, which is inaccurate. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XXXX and open and reporting it as if it is a new account. This is the same collection agency just reporting it differently. They seem to keep switching up, playing games with my credit report, which is causing and has to potential to cause in the future excess damage to me from their inaccurate and spiteful reporting. I 'm assuming they are hoping that I wo n't notice it, if they report it one way for a month and then change it up and report it as new the next month. By them doing this has caused my score to drop when it should n't have had any new effect as again, this debt is a very old debt they they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XXXX and NOT XXXX like they are now reporting, at least to XXXX. I would like them to stop playing games with my report and stop with the inaccurate and deliberate wrong reporting of this account.
I have been trying to get help with a modification since XX/XX/XXXX I was a month behind and after i started asking for a modification help it got 3 months behind so they will not take payments Now I am 8 months behind and can not afford to catch up so they put a Sale date on my home of XX/XX/XXXX and say it is a FHA loan and will not be able to help me till XX/XX/XXXX and that will be to late the reason I got in trouble i was off sick for almost 2 months but I have showed them ever since I do make the money and need to keep my family home of 20 years they told me to sell it and that will not work the house is not even worth 1/2 what is owed on the house PLEASE HELP ME KEEP MY HOME ... XXXX
DOVENMUEHLE MORTGAGE I have paid down my mortgage below 78 % from what i understand by law my mortgage company should just drop the PMI. They are saying i have to pay for a appraisal to drop the PMI. I got my mortgage XXXX/XXXX/XXXX. Its a waste of my time and my money ( {$620.00} ) to pay for a appraisal when house prices have doubled since i bought the home in XXXX. I pay my mortgage every month on time.
RE : Case # CFPB XXXX-XXXX FCRA Charge off Rules require accounts to be delinquent for 180 before charge-off. As per XXXX XXXX, " Once the account is sold no more activity is reported to the CRAs. So why does Experian have activity after XX/XX/XXXX on my credit file? 

This is what CFPB XXXX-XXXX  is reporting : XX/XX/XXXX ( no payment ) DOFD Charged off : XX/XX/XXXX Account Sold : XX/XX/XXXX ( XXXX ) Experian continues to report this account AFTER IT WAS SOLD to XXXX on XX/XX/XXXX from XX/XX/XXXX through XX/XX/XXXX as per Case # CFPB XXXX-XXXX ) experian continued to report this account. 
SEE ATTACHED EXPERIAN DIAGRAM. 

THE CREDIT LIMIT WAS ONLY : {$600.00} - YET THE DEBT is being reported opened as of XX/XX/XXXX, balance $ XXXX.by XXXX. ( SEE ATTACHED ) This report is in violation of the FCRA 's Furnisher Rule :
XX/XX/XXXX I received a {$920.00} check from Barclays Bank Delaware, Credit Card. The check was not cashed. I have had a balance on this account for the past XXXX XXXX years. I never received a letter of the credit balance or an offer to add it to my account to reduce the outstanding balance. I paid the account off XX/XX/XXXX, when I received my statement in XXXX, it said I have a credit balance of {$220.00}. Afterwards I received an overpayment issue letter for uncashed check number XXXX from XXXX XXXX, ( XXXX ) XXXX dated XX/XX/XXXX for the {$920.00}. I requested for the {$920.00} credit to be added to the {$220.00} and receive one check. I was denied the {$920.00} balance and was given the {$220.00}. 

My problem is, I do not appreciate the card company holding my credit balance since XXXX. The company waited until my account was paid in full to inform me about the {$920.00} credit. After receiving the {$220.00} on XX/XX/XXXX, I called to check my balance, I began to hear I have a credit balance of {$920.00}. I spoke with a representative on XX/XX/XXXX, and was told a check had not been released. As of XX/XX/XXXX, I have not received the check.
Hello my name is XXXX XXXX, from XXXX XXXX SC. I had to get a payday loan from Cashnetusa. They was taking {$120.00} out of my account every 2 weeks. I called them at XXXX XXXX/XXXX/2015 to explain to them i lost my job. I asked them if they would lower the payments. They said no, they were still going to take the money. I told them i lost my job, that i wanted to speak to the manager, the girl would n't put the manager on phone, and she hung up on me. I am in desperate need of help. I feel like my rights have been violated.
My lender made adjustments to our closing disclosure after closing since they did n't disperse the correct funds to the correct places. I was issued several additional closing disclosures, but they did n't balance and some of the numbers were stating amounts that were n't accurate. The lender sold the loan to a servicer and is no longer responding regarding corrections to the closing disclosure. I requested a copy of my final closing disclosure from the servicer and the only send me the original and not the revised versions. Keep in mind that I still do n't have a closing disclosure showing the correct amounts paid at closing that balances. We closed on  XX/XX/16   . We originated with  XXXX   XXXX  and the loan was purchased by PNC Mortgage. I have contacted both many times to fix this, and they have only sent the original one. I attached the correspondence with PNC.
During the time I was incarcerated ( XXXX ), someone fraudulently submitted applications in my name to XXXX XXXX. XXXX XXXX sold the account to Portfolio Recovery in XX/XX/2016. I have made several attempts and provided documentation to Portfolio Recovery showing that I was incarcerated during the time of this application. The FCRA prohibits information furnishers from providing information to a car that they know or have reasonable cause to believe is inaccurate. Section 623 ( a ) ( 2 ). In addition, when any furnisher of information is notified pursuant to Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt.
I use an American Express Blue Cash Rewards card which gives 5 % cash back reward on spending on gas and in supermarkets after spending {$6500.00}. I reached that limit in XXXX 2016. However, for the following months of XXXX, XXXX, XXXX, and XXXX Am Ex continued to pay me 0.5 % - 1 % reward as if I had not reached the spending threshold for receiving the higher reward. I contacted them numerous times over the past 5 months and was just given the runaround. My estimate is that they owe me between {$130.00} - {$140.00} in cash rewards.
I began acting unlike myself, and doing things unlike normal for me, from spring until late XXXX of 2017. I was taken to a hospital for treatment for several weeks, then sent a lock- down treatment center. I stayed there from XXXX till XXXX. 
My son came to Texas from Col. and had my mail forwarded to his address so he could pay my bills as my power of attorney.Most of my bills were late before he got them. 
I called all my credit card people to explain the problem after I returned home, and most of them did away with all the fees and fines except one bank, who I paid in full. 
I now have 2 late pay marks on my credit report from XX/XX/2017. None of my creditors lost any funds from my illness ( XXXX XXXX ).
This letter is to inform you that XXXX, XXXX and Transunion have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX XXXX X/X/16 XXXX XXXX XX/XX/16 XXXX XXXX XX/X/16 * XXXX XXXX X/XX/16 XXXX X/XX/16 * XXXX XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX X/XX/16 * XXXX X/X/16 XXXX XXXX X/XX/16 * XXXX * XXXX XXXX Thank you, XXXX XXXX
If I had XXXX word to describe the experience so far, it would be 'horrible. ' While poor customer service is unpleasant, it is not criminal and it is not the reason I am writing you. XXXX XXXX sold our mortgage to Rushmore with the payments to Rushmore starting XXXX XXXX. We received the letter that this was happening on XXXX XXXX. I tried to go online to Rushmore 's website to pay the balance, which was {$97.00} higher than our old payment for some reason, but the website kept erroring out. I then called all the numbers on the document that was sent to us. Each number took me into the same prerecorded loop, which once I got to the payment section would n't tell me how much was due and just wanted my routing and account numbers. I have n't thrown my banking info around willy nilly before, and I am not going to throw it into some poorly automated voice system with exactly XXXX detail as to how much it was going to charge me now. It is a huge frustration to not be able to pay a bill because the company receiving payment has made it nearly impossible to pay them. Finally, I got a hold of someone at the local number for the company, which I found hunting around on the internet ( this number was not listed on the documents they sent us ), and they confirmed that the payment had made it through on the website even though I was never able to make it to the end of the payment pages because of the site crashing. I 'm just thankful it did n't charge me repeatedly for each time it appeared not to work. When I asked why my payment was {$97.00} higher, they had no idea. I, after having read the many reviews on this company, found that the company often creates fraudulent negative net escrow balances. I checked my loan, and there it was, a {$180.00} negative net escrow balance. I have never had a negative net escrow balance on a mortgage until it was sold to Rushmore - and I mean NEVER. Seeing as it is a common problem for loans transferred to Rushmore, there must be something going on there. I 'm asking for your help, not just for myself, but for all the other people being abused by this company. The government allowing companies like this to exist detracts from the trust we all have that you are looking out for your fellow countrymen. Thank you for taking the time to help us.
XXXX XXXX XXXX XXXX submitted a case to collection agency, XXXX The debt that has been reported is not true because when I moved out of the apartment, I had to submit a notice to terminate the lease as well. The manager of the apartments at the time made it very clear my situation was squared away. I had to wait on the new apartments to give us a date to move in but she had to have proof to hersupervisor that I was not just squandering in the apartment. So, she made me sign a new lease just incase. Well, now, I am still stuck with that charge. It is on my credit. I needed info from XXXX as to why. The account manager, XXXX XXXX called me back, and was very reluctant to help. He refused my request for a manager or his superior, asking " Why does it matter? ". I need this rectified as soon as possible. I need true answers as to why I am still owing debt I was not supposed to be liable for, where are rhethe papers filed With the apartment complex before it went to collections?
I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  the county clerk, but did not remove them, stating they are reporting as verified.
Sectio n 392.101 of the Texas Finance Code pro hibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a  surety  bond and filed a copy of the bond with the Office of the Secretary of State.      CREDIT SOLUTIONS, LLC does not have a surety bond filed with the Office of the Secretary of State in TEXAS. All c ollection attempts must cease and information must be removed from credit report.
We purchased a car that was financed through Santander USA in XXXX. After having years of financial issues, we filed a chapter XXXX bankruptcy in XXXX XXXX. In the filing we included XXXX cars that were financed by Santander USA and our payments made to the courts were solely for the XXXX cars. In XXXX XXXX, we requested that our bankruptcy be cancelled. Prior to the cancellation, we contacted Santander USA stating that we wanted to keep our cars. We dropped the bankruptcy only to find our payments that were made only covered a percentage of the monthly payments and we were now far behind. Santander USA proceeded to call our neighbors, who were not listed on any documents as contacts. We requested deferments, starting making payments only to notice the payments and then requested a resolution to why Santander was calling random people and telling them they were trying to reach us. This was highly embarrassing and consulted legal advice. We never heard back from anyone in management and continued to try payments to catch up. In my research of our account, I noticed that all of the payments to the XXXX XXXX were going towards interest. I called Santander USA in XXXX XXXX and asked them how we could rectify this and I asked that someone in management called me back. Santander USA continued to call us repeatedly around XXXX-XXXX times per day, called family members but never had anyone from management call us to discuss how we could rectify our concerns. I made the last payment in XXXX and waited for someone to call us back. While they continued to call repeatedly, not XXXX call was from a manager. We received several calls for another loan holder. On XXXX XXXX, I received a call from Santander USA and again, tried to rectify the situation. They told us we need to pay over {$2000.00} to get caught up and then we would be on track. I explained that the car was worth {$1000.00}, we have paid over {$2000.00} in recent repairs and that we did not have the money to pay to catch up. The person said they would inform the recovery team to pick up the vehicle. We surrender the vehicle on XXXX XXXX XXXX to " XXXX ''. 

We need to know why Santander USA delved through our social media accounts to contact a neighbor and proceed to tell them of our situation with the car. Why they called us repeatedly but never called to explain the insulting call or the repeated calls to our phones when we were making payments. And, we need to know why no one explained that our payments after our bankruptcy would go directly to interest for almost a year due to the bankruptcy filing.
I tried to contact this company  XXXX  back in  XXXX   2017  and received a letter saying the address was undelivable. The information stating this account belongs to me is inaccurate just like this bogus address. I also tried to contact Transunion in the months of  XXXX  and  XXXX   2017  and they failed to provide me with proof of this claim. How can they verify information with an undelivable address.
I HAVE CONTACTED XXXX SEVERAL TIMES ABOUT THE INACCURACY OF THE STUDENT LOAN THAT ARE REPORTING AND THE ACCOUNTS THAT ARE NOT MINE!!! I HAVE SENT THEM NUMEROUS OF CERTIFIED LETTERS WITH ALL THE INFORMATION THEY ASKED FOR TO VERIFY THAT ITS NOT MINE AND THEY STILL REFUSE TO REMOVE THE INFORMATION!! I SENT MY ID, SSC, BANK STATEMENTS,, ETC. AND STILL NO RESOLVE. I SENT LETTER AFTER LETTER STARING FROM YEARS AGO WHEN THE FIRST ACCOUNTS WAS REVEALED AND THEN I SENT LETTERS IN XXXX AND AGAIN IN XXXX AND STILL NOTHING. I JUST DID N'T KNOW WHAT ELSE TO DO UNTIL I HEARD ABOUT CONSUMER FINANCIAL PROTECTION BUREAU.
I was scammed by the XXXX into an ARM loan for my home ( XXXX was sued and went out of business ). Since then I tried to refinance into a fixed loan through several banks that all had terms I did n't want ( like money out options ). Later I found out that the main XXXX credit reporting companies ( Experian, XXXX and XXXX ) were lowering my score each time I applied for a loan and reported delinquencies that do not exist ). I want them investigated and prosecuted. XXXX refinance company ( XXXX ) even went through with the loan application after I told them I was going to sell the home. I then received a rejection by their bank ( XXXX XXXX ).