WillisBack/dataset-financial-user-claim huggingface dataset:
I returned a leased vehicle 2 months early with full payment for those 2 months. I was not informed that there would be an early termination fee ( which I feel shouldn't apply. since, I was not so much terminating the lease as I was completing payment obligation ). In any case, I agreed on a settlement amount ( 1/2 of fee ) and paid as requested on time. since that my credit was reported as delinquent and reduced to " bad ''. I called them and they agreed that it was an oversight of theirs that they would correct. My credit did improve after that with 2 of 3 agency 's that I monitored using XXXX XXXX as an indication. However, I was just informed by my bank while trying to apply for a refinance of a loan that XXXX still shows me as delinquent. It has been nearly 1 year since this started and I feel I have been hurt financially repeatedly over months for their inaccurate reporting. And the fact that they were informed months ago and still have not corrected, leaves me feeling bullied. I hope you can help in this matter. I can not afford this. 
XXXX XXXX ( XXXX ) XXXX
I have errors and inaccurate information on my Equifax Consumer Credit Report. I have disputed these accounts as being inaccurate, and Equifax had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.
A company identified as : XXXX made hard pulls of my Equifax credit report on XX/XX/XXXX and XX/XX/XXXX without my authorization.
After some research it seemed this is XXXX?
I have disputed an account showing on my credit report with XXXX for the past 4 months to no avail. The name of this account is XXXX XXXX XXXX. I've contacted this lender and they confirmed I have no account with them. They also reviewed the documents used to open the loan, and verified those documents did not match my SSN. 
XXXX  is not performing their due diligence by proving to me that this is my account. Furthermore, they keep reporting an account on my credit file that doesn't belong to me and is damaging my credit reputation. 
They keep sending me some frivolous information marked " Verified. '' To XXXX  : I would like to know EXACTLY how you are marking this false account VERIFIED? 
Why are you allowing these to remain on my credit report when they are clearly in violation of federal law? Im aware that section 609 requires you to furnish the paperwork that was filled out when my accounts were open and if you do not have this documentation, its considered false reporting. Due to the fact that this inaccurate and false info continues to report, youre in violation of sections 609, 1681 and 623. 

I need some type of response - better than VERIFIED ; because clearly I am not being treated fairly under law and I WILL pursue legal actions if this is not resolved immediately.
I called on XXXX/XXXX/XXXX to find out why my loan paperwork on XXXX site stated that my loan would be paid off in XXXX. When I took the balance ( {$15000.00} )@4.5 % interest to a auto loan calculator, I found that it should pay off within 7-8 years and not 12 years ( XXXX - XXXX ). I then went to a representative to ask what was going on. My account says that Loan 1 payment is {$10.00} and for Loan 2 - {$150.00}. This brings a total of {$160.00} and I have been paying {$170.00} for years. The rep told me that under billing and payments that {$11.00} for Loan 1 and {$150.00} for Loan 2 was being applied. This totals the {$170.00}. I do n't understand the difference. There is something very wrong here with the online information ( not up to date, incorrect, misleading, etc ) or the rep was just trying to please me to get off the phone. I just do not understand. Are my funds going elsewhere and why the year XXXX? I would be XXXX years old when it is paid. I even asked the rep to tell me when this debt was going to be paid off. She said somewhere inbetween 7-8 years which matches the {$210.00} for a 7 year auto loan. I still do not understand why my account is so far off and I do not believe my money has been totally applied to my student loans. Again, there is something awry here and it is illegal as far as I am concerned.
They sent me an email that says to " click here '' to see the results of my dispute. Then it does n't show it to me. This is very frustrating and when I try to go somewhere else on their web site they try to sell me things.
Our business are XXXX/XXXX having customers in XXXX and USA, we have received proof of transfer for {$2500.00} USD from one of our customers in XXXX on XX/XX/2018, transfer was on hold by OFAC ( Office of Foreign Assets Control ), I already file a license required by OFAC on XX/XX/2018, but at this time my money still on hold, I already talked to WELLS FARGO and XXXX ( XXXX Bank ) several times because OFAC say that the banks are responsible to work on the case. 

I don't know why OFAC has my money on hold if I already send to them proof of all invoices and all documents they request to me, we work hard to obtain this money. 

I hope you can help me with this matter. 


Best Regards,
A Few years ago XXXX was informed informed that XXXX XXXX and I were no longer together and that the debt my solo debt. They were also informed that they did not have permission to contact him any more about this debt. They were also informed via letter to cease and desist contact, since they were rude and were attempting to collect late fees on a debt. The Original Lease was a prorated rent and the Apartment complex charged late fees even after the Manager agreed that final bill I received was the final bill.. there has been added 650 $ additional.

They contacted XXXX XXXX today ... His voice mail is clear that it was NOT my voicemail and the number was some how reentered into their system. And they told XXXX they were collect debt of mine. Which is a pure violation of personal information violation. The voice mail is saved!

They also keep saying I am refusing to pay the debt even though multiple attempts have been made to get the bill corrected and they refuse to follow the no collections of additional Fees.

As far as the rudeness they are constantly talking over me, refuse to let me complete my statements, constantly hang up on, and even put someone on hold for extended lengths. The refuse to follow regulations set forth by both the FTC and FCC about telecommunications. Also the normal staff us falsely presenting themselves as Supervisors or Managers.
Loan # XXXX with Franklin American Mortgage Company Monthly mortgage amount is {$3500.00}. I had been paying {$4000.00} per month every month. I mistakenly paid {$3500.00} on XX/XX/2018 for XXXX invoice, instead of the monthly mortgage amount of {$3500.00}. Still 99.6 % of the required amount. Franklin American cashed the check, then sent me back a check for {$3500.00}. I didn't receive the check and notification of under payment until XX/XX/XXXX. I sent another check for {$3600.00} that day. It arrived XX/XX/XXXX, but still got nicked the {$170.00} late charge. {$170.00} late charge for a {$13.00} underpayment seems fairly obnoxious. 

Franklin American has offered to reduce the penalty to {$88.00} [ {$170.00} - ( {$3600.00} - {$3500.00} ) ]. 

I'm requesting CFPB 's assistance in getting the remaining amount {$88.00} waived/credited back. 

Thank you.
This XXXX XXXX account # XXXX is Paid-in-Full and Closed. However, Equifax CRA and XXXX CRA continue to incorrectly report as Open.
united recovery systems XXXX # XXXX this company has failed to provide me with competent information that I own this debt they have failed to provide the following information to me. 

1. provide me copies of papers that show I agreed to pay what they say I owe. 
2. prove the statute of limitations has not expired for this account 3. show me that they are licensed to collect in my state 4. provide me with there license numbers and Registered agent My request for validation was sent via USPS certified mail dated XXXX/XXXX/2015
I had an auto loan with Toyota Financial, I settled my debt with them but Toyota still reports this account to my credit report. This account is too old, please stop reporting it to my credit report. Thank you very much for your help!
Ocwen loan is reporting to XXXX credit reporting agency I am 120 days late in XXXX XXXX, the house was sold in XXXX and I did not have a open loan with this company, they have not taken it off my credit report which is in direct violation of the Fair Credit Reporting act. They have a closed account stating 120 days late in the status area of their account on my credit file. This is causing us to be unable to fund a new home mortgage. I have filed disputes with XXXX and contacted Ocwen to be told they have to look into this and have 15-30 days, I have supplied copies of the XXXX information and the paperwork they filled 120 days after we sold our home in XXXX with our county tax accessor to prove my claims.
I am submitting this complaint in regards to an account reporting on my XXXX and XXXX credit report. I have been disputing this account for months now. Equifax has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that XXXX and XXXX please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with experian the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.
XXXX XXXX call them every day to settle this debt always told to talk to some by the name of XXXX but never no return call. 1 week call them daily no call back.
SLS Specialized Loan Servicing, Colorado, does not apply the principal payments I make towards principal but considers it a regular payment. Then they do n't withdraw my automatic monthly payment but move it to later months. That way the company benefits from the spread and I do n't pay down my mortgage. There is no response to emailing the company through their automatic system. It is unclear all the changes they make to my mortgage. This company misleads the consumer. This is not my first complaint to SLS.
XXXX, EXPERIAN, XXXX are showing late payments where none existed. Documents attached include ; 1 ) XXXX CUSTOMER STATEMENTS, SHOWING ZERO LATE CHARGES AFTER XX/XX/XXXX AND SOONER WHEN ... .... . 2 ) XXXX REFUNDED 100 % OF LATE CHARGES AS SHOWN ON THIS XXXX STATEMENT ON XX/XX/XXXX ... .. AS SETTLEMENT OF 100 % OF LATE CHARGES AND ALSO PRIOR TO XXXX ... .AS ... SETTLEMENT OF A LONG RUNNING DIPUTE, 3 ) A LETTER FROM XXXX CONFIRMING WAIVER OF ALL LATE FEES ON THE XXXX 4 ) Not clear they have not confused account numbers, the enclose statement from XXXX HAS CORRECT AC #
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and NAVIENT with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XX/XX/2018.
I am in the process of purchasing a home and FHA XXXX my loan type ) requires all trade lines that reflect I dispute to be removed. I called each bureau, XXXX Experian, XXXX to remove all disputes on my credit report. After several attempts Experian will not remove this dispute. I called XXXX to tell them I want a letter stating I am telling them I know longer dispute and they would not give me this letter unless I paid the account in full so that is what I did XXXX XXXX. When I received the letter all it says is they received a payment from me for {$1500.00}. Nothing that says the account is paid in full and nothing that says the trade line is no longer in dispute. My lender then sent me a letter that the credit company use says they can submit to all bureaus to remove the dispute for me. I signed and they tried with no results. At this point I can not get a loan and my husband and I are living in a hotel waiting to clear this matter. I demand that Experian update my report and I demand XXXX funding to remove that I am disputing this account.
On the XX/XX/2018, I purchased a product from XXXX XXXX and used XXXX XXXX XXXX XXXX XXXX XXXX for {$4200.00}. I paid dues regularly each month and on XX/XX/2018 I settled all outstanding balance of {$3800.00}. On XX/XX/2018 requested the bank to close my account. XXXX XXXX from the bank confirmed on XX/XX/2018 that my account was closed. 

On XX/XX/2018 I got a call stating that my account is in collections as I haven't made payments for 2 months. I logged in and saw that an amount of {$71.00} is due. After I closed my account an interest of {$15.00} was applied with late fee charges each month! I don't understand how can a bank do this after closing an account. I have saved a copy of all secure message transmissions between myself and the bank. 

I am making this payment to save my time. But I would like to report this XXXX XXXX XXXX XXXX and business for misleading consumers.
my mom got a letter in the mail from mel s harris assoicates she is XXXX years old and they threaten to close her bank acounts she paided off the debt of XXXX dollars all she gets is social security and a pension, She was paying XXXX a month, my mom has know saving account she lives paycheck to paycheck, The debt was with housebank for XXXX in 2004 they threatened to close her bank accounts she gets direct deposit thats why she paided the whole amount and they never served her with papers
On Friday, XX/XX/XXXX during a family vacation I attempted to use my XXXX XXXX card and found out it was declined. This card was both my primary business and personal credit card with multiple recurring charges connected with the daily operations of my business. 

On Saturday, XX/XX/XXXX I contacted XXXX XXXX and after several hours of holds and transfers discovered my credit card account was closed due to a notice from TransUnion. Because of the XXXX holiday, I had to wait until XX/XX/XXXX to contact both TransUnion and XXXX XXXX regarding this matter. 

On Tuesday, XX/XX/XXXX I again contacted XXXX XXXX and after another hour of holds and transfers spoke to a Fraud Department Supervisor regarding the matter and learned that TransUnion had unilaterally contacted them and closed the account claiming it was opened fraudulently. XXXX XXXX then sent me an affidavit to sign and have notarized proving that I did open the account and it was n't opened by another individual. 

On this same day I contacted TransUnion and after another hour of transfers and holds I was told by a supervisor that based on a fraud alert I submitted to them, they did in fact close my XXXX XXXX account. They closed this account without notifying me even though they have my contact number and email on account ( also listed on the report I submitted ). The supervisor offered no apology for their error and actually tried to claim I stated the account was opened fraudulently in my report. I am attaching the report to this claim and it clearly states that someone attempted to access and change my account profile, not that the account was opened fraudulently in my name. A simple review of my card 's history would show it was in good standing and paid in full each month. 

I originally submitted the fraud alter as the attempt to access my account profile was the unfortunate way I learned my information was compromised due to the XXXX data breach. 

Due to the actions of XXXX I lost about one full day of my vacation dealing with phone calls, finding a notary and remitting all my information to prove the account was in good standing. Additionally, my business suffered harm as vendors went unpaid and services were terminated costing hundreds of dollars. 

To date, my card account is still closed and I am still suffering damages and spending time trying to mitigate future damages. I am still waiting to see how this affects my credit score which was in the XXXX 's. Additionally, TransUnion has still not contacted me nor sent any correspondence.
I lost my job of 6 years on XX/XX/2016. I contacted my mortgage lender, Pacific Union Financial to discuss options. I applied for the loss mitigation almost immediately. After being contacted by Pacific Union a few times for clarification on some of the multiple documents that were requested of me to prove my current situation, I eventually received confirmation from Pacific Union that my loss mitigation package was complete on XX/XX/2016. They communicated to me that it would take 30 to 45 days to review and make a decision on my loss mitigation approval. 
It has been 66 days with no update on my loss mitigation approval. When I called yesterday I was told there are no guarantees.. 
I continue to receive loss mitigation paperwork in the mail from Pacific Union Financial advising me of the very option I applied for over 3 months ago. I 'm finding the entire process and lack of communication completely unacceptable. I need an answer and should have had one by now.
I filed a dispute with MIB because it is reporting incorrect information in their file they sent me a letter claiming the member company with them supposedly did a reinvestigation and sent me a letter claiming why they cant remove the incorrect information but as to date XXXX/XXXX/2015 no letter but I got a XXXX opinion and told I did not have that condition so I gave them all the information they needed to contact to verify information they never contacted them so they never done a reinvestigation as claimed also they MIB are giving out my report to companies with out my permission or knowledge claiming was some body else and sent wrong file not once but XXXX .The attached item noted was self reported to them never got any records so these are false. Also attached letter sent claiming they done reivestigation.
I have contacted Equifax on several occasions to have them remove the public records for Bankruptcy case # XXXX removed. I have contacted the Public Records company XXXX XXXX and they have removed any public records that are associated under my name and I have submitted all documents to the credit reporting agency. Equifax is refusing to remove the public records stating that they have investigated it previously and are refusing to remove it. I am in need of assistance.
Experian is reporting fradulent debt that does not belong to me from XXXX XXXX XXXX for the amount of {$160.00}. I called to verify and they told me it was for a person living in Virginia a place I have never lived for a debt from 2004. I also called XXXX and they could n't understand how they came to the conclusions of amounts, debtor and " Date Opened '' they have listed because the record they pulled does not show the same information.
XXXX via XXXX XXXX BANK XXXX XXXX XXXX XXXX, PA XXXX Phone number not available Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX //////////// XXXX NA XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ///////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX //////// XXXX XXXX XXXX USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX /////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX ///////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX //////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Requested On : XXXX/XXXX/XXXX ///////// XXXX XXXX IN via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : XXXX XXXX XXXX : CREDIT TRANSACTION XXXX On : XXXX/XXXX/XXXX ///////// XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX LOANS XXXX via XXXX LOANS XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX XXXX XXXX LOANS XXXX via XXXX LOANS XXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX //////// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry XXXX : Individual Requested On : XXXX/XXXX/XXXX /////////// XXXX XXXX CREDIT CARD CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number not available Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ////////// XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX //////////// XXXX XXXX via XXXX XXXX BOX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX ////////// XXXX XXXX Bank XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX Bank Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX Loans Requested on : XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX XXXX XXXX XXXX Requested on : XXXX XXXX, XXXX
I keep getting messages from some company that I have never heard of threading a wage garnishment for what I do n't know. When I call the number left in the message it 's to an employment line.
XXXX chose to charge my checking account indiscriminately. I selected the pay with XXXX option at XXXX and when sent through to XXXX I was given the choice by XXXX to pay with my regular checking account linked XXXX account or my XXXX credit account, I chose XXXX XXXX. I purchased XXXX TV episodes and XXXX movie and when the merchant presented payment requests to XXXX, XXXX charged my regular XXXX linked checking account for XXXX of the transactions and my XXXX credit account XXXX of the XXXX transactions. It turns out the merchant does not accept XXXX credit but if the merchant ( XXXX ) does n't accept XXXX credit then XXXX website should indicate that XXXX credit is not an option when the customer is sent through to XXXX site. The unauthorized requests on my checking account by XXXX has cost me XXXX {$25.00} returned item fees because as i knew when i chose XXXX credit as my funding option, my checking account had a XXXX balance.
I have been able to access my exact amount of money from Rushcard. 
I would like to have access to my account
My {$25000.00} in student loans from XX/XX/XXXX-XX/XX/XXXX were consolidated with my XX/XX/XXXX-XX/XX/XXXX{$10000.00} loans by Great Lakes without informing me that I would be ineligible for XXXX  loan forgiveness in XX/XX/XXXX. At the time I was XXXX on a partial salary and struggling to make payments. My Great Lakes loan was then transferred to XXXX XXXX where I later applied for XXXX loan forgiveness only to be rejected. Now I ca n't get the bulk of my loans forgiven which now estimate at {$46000.00}!!