WillisBack/dataset-financial-user-claim huggingface dataset:
I am purchasing my leased vehicle from Toyota ( XXXX Toyota in XXXX, PA ). There is a credit union offering 1.99 % ( if credit is good, and mine is XXXX+ ). Toyota wanted to do the loan, so they promised via email that they would match the 1.99 % rate, conditional upon my credit being XXXX+. I trusted their written promise, and set up an appointment to do the loan a week later ( 3 days after my official lease-end date, which they said was fine ). At my appointment, they ran my credit 4 times, through XXXX different lending institutions, over a period of more than an hour. They had realized that they could not in fact match the 1.99 % rate, and they were rate shopping at my expense for over an hour, trying to cover up their lie. They did not tell me what was happening at any point during this time period. The used car manager approached me eventually, and admitted what had happened. He even told me flat-out that what they had done ( quoting me the 1.99 % ) was not legal. Now, I am 4 days past my lease-end date, have XXXX hard credit inquiries counting against my credit score, and have to start all over with the credit union. I 'm having XXXX next week, and am now under a lot of pressure to resolve this quickly. Hopefully I will still qualify for the 1.99 % with the credit union despite the excessive inquiries made by the dealership. This is the very scenario I was working hard to avoid, and now for the next 2 years, every time I apply for credit, I will be at risk of not getting the best rates available and of my credit score dropping further.
Placed {$350.00} Medical debt on my credit report unwilling to send me any more correspondence even though I never received any in the first place. Spoke with ladies named XXXX unwilling to except Payment arrangments.
On XX/XX/2017 my wife went into lowes with my lowes credit card while I was at work and tried to get wood to board up a window.  The window had some glass break and the cold outside makes it hard to warm the house with the window like this.  So she went to lowes to put the wood on the XXXX card.  The lowes card was not working.  She called me about it so I checked he website and my card had been closed despite the fact that I had a XXXX balance and had paid Lowes thousands of dollars back in XXXX  to pay the balance off.  I never received a notice from Lowes of this change and when I called I was told I could reapply but they assured me I would not qualify because my credit has slid slightly since I was approved.  I called my wife to relay what I had learned and she left the store in tears.  I tried multiple outlets to reach lowes and get a resolution but all I keep getting is "call this number" and it's the number I already called to begin with after checking my account online.
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX , XXXX, XXXX XXXX , XXXX, XXXX , XXXX XXXX , XXXX  XXXX , XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXXXXXX, XXXX   XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
I was contacted on XXXX XXXX, 2017 at XXXXXXXX XXXX from phone number XXXX from someone claiming to be from My PayDay Loan. Let me also mention that I was never informed during the call that it was an attempt to collect a debt and information obtained would be solely used for that purpose. I was told that I owed over {$1000.00} for a payday loan. I was also then given my bank account number which they should not have because that is a new account and I was informed that they were proceeding to submit a wage garnishment for the loan. I have not received any documentation regarding the loan. I was also not informed on the call that it was an attempt to collect a debt before they also released by birth date to me. I do not feel comfortable proceeding with payment being that governmental laws and practices were not followed in an attempt to collect a debt. I feel I should not be obligated because I am under the impression of this being a scam.
I filed bankrupt and it was discharged in XXXX of 2015 Equifax has not updated my report that I filed nor have they removed any accounts from my credit report. Also the car loan that 's on both of my reports should be removed. I tried to dispute with Equifax but they claim they ca n't never identify me.
I have a three months modification trial, I made all my three payments on time, but never got a final modification because my loan was sold to a different bank and the new bank not honoring my modification and going through with the forclosure on my home. That should be illegal, these guys are bunch of XXXX playing with people lives and deals and they should be stored, cuz they are doing it to a lot of innocents hard working people, that all they want is save their home and dignity. Thank U.
Upon apply for capital one when I received the offer it said that I would receive rewards, when I applied and got approved after getting the card I realized it was a diff card than I thought I was getting and I called and No rewards for that card. That 's false advertising, I would like my complete debt to be XXXX
I own a XXXX Home Depot XXXX Card. The very fisrt purchase was fraudulent. When I received my statement and realized the charges were fraudulent I went to the XXXX store to report the incident. The manager called the Home Depot Credit Department. I reported the incident to the police department XXXX and gave Home Depot the XXXX Police Department Phone Number and case number and the information was included on the paperwork sent back to Home Depot. When asked who I thought might be responsible I mentioned a name of a person working at my office who may have picked up the 2nd card out of my deck and used it - but I am not 100 % sure. When I asked the person if he had the second card he said he 's not sure but if he did he lost it. I have tried to contact the fraud department at Home Depot at least 6 times and when I finally get to the Fraud Department the line disconnects me. I believe I have taken all the necessary steps - reported the incident immediately upon realization, called Home Depot, cancelled the card, filled out all the requested paperwork, followed up, reported the crime to the police department, the person I think committed the fraud has been arrested before on stealing property and fraudulent use of credit cards. I am attaching all the paperwork for you to review. I continue to receive bills from Home Depot adding service fees and late charges - and I would like this entire incident to be cleared up as soon as possible.
I have been trying to get information to fix what problems are making my score decline in a very steady manner. I am paying Experian for credit monitoring because they made me pay for my report. I have looked again today to see my XXXX lose XXXX more points I signed up in mid XXXX it is XXXX XXXX they do not say in detail what brought my score down. It is ongoing with Experian I am sure these are unreliable reports and it is almost criminal I feel like I am paying to lose points when all am doing is trying to fix credit problems. It feels like if I say something or try to fix it, it just gets worse. It is scary writing this but I feel I need to say something.
Hello, My husband and I did a balance transfer to pay off our Home Depot card and we thought we had paid it off but there was a {$68.00} balance. We use to receive paper bills but somehow they stopped so we assumed it was paid in full. I checked my credit report a couple months after because I am in the process of getting pre-approved to buy my own place ( My husband and I are getting divorced ) and could n't understand why my credit score went from XXXX to XXXX and saw that Home Depot has reported us 2 months past due! I was so upset! I called Experian and they let me know only Home Depot could only fix it. We 've been cardholders for over 10 years, and have never been late on payments. 
I called Home Depot they told me we had switched to e-statements to my husbands email address ( he never received them ) which we do n't recall doing. They said I could send a letter of explanation along with my full credit to their dispute department. Only to be rejected 5 weeks later stating that it was true and accurate information that I was late for the the payments. I let them know my husband and I are in the process of going through a divorce and my future depended on my good credit so I am able to buy my own place for my XXXX kids and myself. I am so furious that they wo n't even take into consideration our excellent credit standing with them or the circumstances behind it. How could we pay the {$68.00} balance when we had no idea it was due and they charged us several late fees on top of the small balance. We had paid them {$4400.00} via a balance transfer, what would make them them think we 'd be late on purpose to pay the remaining small amount we owed? 
I am hoping you can please help me get these negative marks off of our credit. It is so disappointing. They also lowered our credit limit from {$5000.00} to {$500.00}. 
I will never use their card again if they do n't adjust the negative marks! They clearly do n't value good customers. 
I 've attached a letter I sent to Home Depot to dispute our account. I am hoping you are able to help me. Thank you in advance for your help. 

Kind Regards, XXXX XXXX XXXX
Every month Wells Fargo Home Mortgage increase their number of calls to me From about the XXXX of month. Grace period is to the XXXX. I always pay before the XXXX. 
It will start on the XXXX with XXXX to XXXX calls and then by the XXXX XXXX it is up to XXXX to XXXX. I kn ow I have to pay the mortgage. 
Also they will not work with me on my 8.8 % interest rate.
I signed up for a new checking account on XX/XX/18 with Bank of the West with 2 sign-up promotions.

Offer 1 : Earn up to {$150.00} for opening an Any Deposit Checking account within the campaign dates, and complete the following : {$100.00} - Establish a direct deposit of at least {$250.00} ( two or more direct deposits that add up to {$250.00} do not qualify ). Direct deposit must be payroll, Social Security, pension or other government benefits. The first direct deposit must be posted to the account by XX/XX/2018. 

{$50.00} - Request, receive and use a new Bank of the West Debit Card for at least 10 point of sale purchases of at least {$3.00} a piece, per month, for each of the two full calendar months immediately following the month in which the opening deposit posts to the account. Opening deposits must be received and posted to the account no later than XX/XX/2018. All required purchases must be posted by XX/XX/2018. 

I met all the requirements, and the bonus was supposed to post on XX/XX/18. I did not receive my bonus, and inquired Bank of the West why, since I met all the requirements. I find out that they charged me a fee on XX/XX/18, which should not have been charged in the first place, which overdrew my account. They are saying that because this fee that they charged that overdrew my account made me ineligible for the bonus. There is nowhere in the terms either that overdrawing the account after the promotion date would make a customer ineligible.This is completely unfair and predatory to intentionally overdraw the account in order to not pay out the sign up bonus.
I have paid Barclay bank XXXX for XXXX months. I have paid what I believe to be the monthly charge plus extra toward my past due balance. I have a statement sent to my email monthly from Barclay with a link to log on and see statement. I do not remember my log on information. I have called the company to request help and am directed to a collection agency that will not give me my full account information or any other assistance to log on and see account. They state they do not have access to that information as they are a collection agency. They will not connect me to Barclay Bank to request assistance stating Barclay does not have my account, yet they send me an email monthly with statement. I am unable to switch to paper statements as I do not know the account number. Someone from this account calls me daily for collections despite my paying weekly.
We have been setup on auto pay for our best buy credit cards for years and they recently debited the wrong bank account that has been closed for a long time. We have our correct bank account as XXXX XXXX setup as the default bank account. They don't know how the wrong bank account got debited and they reported to the credit bureau as a late payment even though they waived the late payment fee based on their error. They are stating there is nothing they can do. This has effected out business and personal matters a great deal. We have been a best buy card holder for years and never had a late payment. Also we were never notified by phone, email or anything otherwise we would have taken care of the late payment. They were extremely difficult to work with. Please if you can get this negative late reporting off of my credit score as a result in their error not mine.
To whom it may concern, this is my second time writing to you about my mortgage company, since the beginning of the year Chase Home Finance placed me under review for a loan modification. After several weeks waiting for a decision on my loan modification request. Chase just told me today that my request was denied because they were not able to verify my income. 
So I requested for a manager since I did n't make any sense what Chase was telling me, when I provided copy of my pay check stubs, tax returns, XXXX form, and a full verification of employment. 

Now Chase keeps transferring me to different departments telling me that since my modification request was denied they will no longer speak to me. I asked for a manager and they hang up on me. 

I am very upset about this since Chase seems not to take my request for a loan modification serious. in fact they keep transferring the calls to several departments to disconnect the call at the end.
In its letter dated XXXX/XXXX/XXXX & which I received by mail on XXXX/XXXX/XXXX, & pursuant to CFPB File numbers XXXX & XXXX, Ocwen Loan Servicing , LLC formulated its final determination on some aspects of my complaints. It will not delete a late payment notification to the Credit Bureaus which relates to XXXX XXXX & it also makes the following assertion : " Additionally, as reflected in Ocwen 's XXXX XXXX, XXXX response to you and to the CFPB ( file number XXXX ), Ocwen disbursed a property tax payment of {$2900.00} to XXXX XXXX on XXXX XXXX. XXXX, prior to the loan satisfaction on XXXX XXXX, XXXX. In response to your most recent correspondence, Ocwen contacted XXXX at XXXX XXXX, who advised there was a delay in that office processing duplicate payments. XXXX advised the duplicate payment would be processed within 30 days. As soon as Ocwen receives a refund for this payment, the funds will be forwarded to you ; however, as the funds were not originally disbursed in error, there is no more Ocwen can do to assit in expediting this matter ''. 

This aformentioned statement by Ocwen is misleading. In fact, upon receiving Ocwen 's letter today, I immediately communicated with XXXX XXXX XXXX at XXXX XXXX XXXX ) which informed me that the only executed property tax payment in their books for the property in question is from " XXXX XXXX '' and dated on XXXX/XXXX/XXXX. According to their records, they returned to Ocwen " unprocessed '' duplicate checks on XXXX ; XXXX & XXXX. Presumably, the unprocessed duplicate check returned on XXXX would apply to my former property. In fact, based upon an email communication with XXXX XXXX XXXX on XXXX, Ocwen had made the following statement : " The taxes HAVE NOT been paid, they are scheduled to be paid by end of the month. They are assessing you a {$480.00} fee for the shortage that will be in the account once the taxes are paid ''. 

According XXXX XXXX, they do not process duplicate checks and that they simply return them to those who sent them. 

Why is Ocwen making such misleading statements concerning this property tax issue? Why is Ocwen so resolute in delaying to provide me with the required refund? Why does that Ocwen keep on insisting that I should have also made duplicate payments related to the XXXX mortgage payment when its PayOff quote already included such payment amount? Would it then come up with other made up causes which would obligate it to delay making all required refunds?
I am trying to get a copy of my credit report so I can see what is on it every time I put my social security number in I am told that 's not the right number or that I have put the wrong birthday and year please help.
On XXXX XXXX, 2016, I was notified by email from Experian Credit Monitoring Service that XXXX has reported to the credit bureau ( s ) an alleged debt collection account in the amount of {$63.00}. My records show this alleged debt collection account reported by XXXX XXXX in the amount of {$63.00} to be incorrect. I have attempted to dispute the information by using the online dispute services I am paying for with Experian Monitoring Service, but Experian Monitoring Service has disabled my ability to do so. Attachments to this online complaint submission is a copy of the information in my Experian Credit Monitoring Service account, along with a copy of the notification from Experian Credit Monitoring Service stating I am not allowed to use the online dispute service, a feature in which I am paying for monthly with this credit reporting service.
I lost my job in XX/XX/XXXX and US Bank agreed to accept reduced payment until they shut off access to my on-line account for me to make payments and the bank refused to accept payments because they were starting foreclosure proceedsing in XXXX/XX/XX/XXXX. 
On XX/XX/XXXX, I paid US Bank {$2200.00} via cashier check to bring my account current and stop foreclosure proceedings and was told my monthly payments would be reduced to an amount that I could afford. 
US Bank lost my cashier check and found it in XX/XX/XXXX. Despite the agreement that they made that the the {$2200.00} would bring my account current, they are now requiring that I pay {$1.00}, XXXX as part of a repayment plan, plus {$1000.00} for a monthly payment, for a total of {$2200.00} by XX/XX/XXXX. If I don't pay the {$2200.00} by XX/XX/XXXX, they will start foreclosure proceedings again. 
Additionally, I am required to pay {$410.00} by XX/XX/XXXX as part of a repayment plan. 
I have been in conversation and correspondence with US Bank regarding this matter and they have refused to honor their committment.
Recently there were some things added to my Transunion credit report that I did not recognize. I called the Transunion to report the problem and instead of the customer service rep helping me they decided to argue with me about the situation and how I should be more responsible with my credit and that I am going to die with bad credit. I asked how can some inquires that were removed from my credit report show up back on my credit report with my knowledge. I explained to the rep that I had not applied for a car loan in XXXX or XXXX of last year and that there were some other inquires on there that were not mine. I recently found that someone was using my that lived in XXXX XXXX Indiana because of an address that popped up on my credit report that I had removed. These are the inquires that are not mind and I would like them re-removed from my transunion account. I worked very hard and long with all these companies below to have all their inquiries removed off of my credit report. It is not fair to me that they have been added back. All of these inquires below are unauthorized inquires and I would like the re-removed from my credit report. 

XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
A debt collection company contacted my former employer of mine and noted that they confirmed a medical debt of mine.
My whole intire credit file is missing? I had a equafax credit file 9 months ago and my score was a XXXX now the whole file is missing and my score is a XXXX? and XXXX collection account for XXXX to a cable company. I called the cable company gave them my info and ssn and they had no file on me? its not my debt but where is my credit file? What happen to it? and please take that XXXX collection off its not mine and please restore my XXXX credit score and file
I've tried all day to send money to XXXX and I keep getting " We've encountered an error. We were unable to process your request at this time. Please try again later. '' after uploading pictures of official identification ( driver 's license ). I called Moneygram and they said to try different browsers, which I did. I tried with XXXX, XXXX and XXXX. They also suggested I try the  XXXX  version of their service, which strangely was 2X the price of the Moneygram-proper site. 

As of yet, I have not been able to send money.
This is in reply to Company 's Response for Complaint # IDXXXX. At the time I responded to the company 's answer, I didn't notice the discrepancy in payment. I was told by the company that in order to pay off the car, I needed to send {$16000.00}. This was sent to them on XX/XX/XXXX -- a week before the end of the lease. According to the company 's response, quoted below, I was only required to pay {$15000.00}. The company owes me the difference - {$450.00}. 



>> '' Thank you for bringing your concerns to our attention. Our records reflect that on XX/XX/XXXX, you executed a 36-month lease for a XXXX XXXX. The lease discloses the agreed upon value of the vehicle at lease inception XXXX {$31000.00} XXXX as well as the residual ( or price to purchase the vehicle ) ( {$15000.00} XXXX at lease end. We confirmed that beginning on XX/XX/XXXX, we provided you payoff quotes and payoff instructions on multiple occasions via our website and Integrated Voice Recognition ( IVR ) system. " <<
I've contacted Transunion to remove XXXX XXXX XXXX XXXX due to the debt being paid and is currently not a collection. It is still stating as a collection on my credit report.