WillisBack/dataset-financial-user-claim huggingface dataset:
I wrote and asked Experian to remove the address " XXXX. XXXX XXXX, XXXX, PA XXXX '' from my credit report as there are no active or inactive accounts reporting it. Experian wrote me back and stated that if I believe an address in my credit report to be inaccurate to contact the source of the information directly. The " source '' has been inactive for over 6 years and IS NOT REPORTING. But a dispute -- XXXX -- is using the address only because they found the address on my Experian report. I have NEVER used a " XXXX. XXXX XXXX, XXXX, PA XXXX with XXXX. This is why I want the address removed. Keeping this address on my credit report puts me in jeopardy of fraud. I still dispute the XXXX charge and they have no right to report or use an address I have never used with them. I would like the " XXXX. XXXX XXXX, XXXX, PA XXXX removed from my Experian credit report as it belongs to someone else.
As it is. Im not sure how the Identity theft gained access to my credit report and personal information such as my personal accounts ssn, dob, and etc. Experian refuse to investigate the nature of this issue properly. Experian only sends my personal information to the orginal creditors, debt collection and etc to verify those items. Experian do not issue an accurate investigation. Im Irate! Please Help get this matter resolved soon. Thanks!
I have leased a  XX/XX/XXXX  Toyota  XXXX  since   XX/XX/XXXX . My  monthly payment is  XXXX . I requested a deferral  of two o f my lease payments for the months of   XX/XX/XXXX  and  XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I  pai d two d eferral fee 's of  XXXX  each. I was told that the payments for the month of  XXXX  and  XXXX  would be added to the end of my lease. My credit reports show for the month of   XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and Toyota reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX  but declined to do anything further.  This is impacting my life. I have now had  XXXX  of my older credit cards reduce my credit limit by  XXXX  dollars due to the way Toyota has reported.
I was denied a loan modification from Wells Fargo in XXXX of 2015 because they supposedly reviewed my application and said that they could not modify my monthly payment to anything lower than I was currently paying. Since I ca n't afford my current monthly payment they told me there was NO WAY they could qualify me for a modification XXXX XXXX or and IN-HOUSE modification. I went on the XXXX website for XXXX and althouth I know this is not official, I qualified for a {$500.00} reduction in my overall monthly payment.
Bank of America provided me with an Estimated Loan and Closing Disclosure that was extremely inaccurate and may cause me to lose the purchase of a property. They did not notify me until just hours before my scheduled closing to inform me of the error and it was only after I had made several calls and sent a few email messages for an update. The bank did not provide the correct initial tax escrow amount when advising me of my estimated closing costs which left me several thousand dollars short of being able to close. The poor responsiveness and lack of consideration I 've received from the bank mortgage broker and his manager since this happened is very disappointing. They are well aware of their error and have yet to take responsibility and offer a reasonable resolution. The only offer I have verbally received from the bank is to come up with approximately 40 % more cash to close.
My name is XXXX XXXX XXXX DOB XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. I submitted letters to XXXX the beginning on XX/XX/XXXX. About accounts that aren't mine. They have failed to provide physical proof that the accounts are mine.This has been over almost 2 months roughly at this point 180 days. I've been trying to sort this out. I've sent ( 4 ) 609 letters and they haven't deleted the accounts that I'm concerned about. I'm beyond exhausted and have decided to file a formal complaint.
I disputed a collection account with equifax like I did with transunion and experian, and unlike those XXXX credit bureaus who deleted the collection account, equifax did not properly investigate.
I am including a copy of each judgment that was ruled in my favor.

FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : XXXX XXXX # XXXX**** I XXXX  AS ASSIGNEE OF XXXX XXXX Defendant : XXXX XXXX XXXX AKA XXXX XXXX Attorney for Plaintiff : JXXXX XXXX XXXX.

Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ).

XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}.

XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX., IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX. CERTIFICATEOF MAILING FILED.

XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUM MONS ISSUED.

XX/XX/XXXX SUM MONS FILED.
My mortgage processor has severely limited my payment options as a result of their own internal error. This has made it very difficult to pay them resulting in additional fees due to delays they have introduced to the process.
Portfolio Recovery Associates is calling and mailing letters regarding debt that has inaccurate balances. I 've made several attempts to settle these accounts with them, but they are attempting to force me to pay money that is not owed.
Amex has recently created new terminologies, which no one else in the industry uses which is confusing and I claim with the intention of charging extra fees. Details : 1. When automatic payments are setup, it can be usually set up to ( automatically ) deduct a. Minimum payment due ( minimum payment and remaining balance and may incur an interest ) b. Last Statement Balance ( including any credits/refunds after the statement generation ) c. Current balance ( entire balance ) d. A fixed amount 2. When it comes to the due date, there are usually 2 options : a. On due date b. On a fixed date Credit card companies have grudgingly embraced the Automatic payments, with varying degrees of difficulty, Amex being the recent acceptor. However, they are trying to hoodwink consumers by providing a new set of terminologies which no one else in the industry uses such as " New Total Balance '', which they claim is nothing but " Statement balance '' but there is no guarantee as they can always twist their own terminologies. I did speak and chat with them but they would n't change. They also do n't have a " Payment due date '' for automatic payments but will only say Statement Date + 15days ... but what if this date is past the " Payment due date ''? Or what if they just change the terminology to +25 days? This, in particular is truly intended to hoodwink the consumers into missing the payment date or paying more. There is absolutely no reason to create new terminologies.
Our mortgage company bundled our sewer tax into other bills paid out of our escrow for several years. Then suddenly the sewer tax stopped being paid. We called and Dovenmuehle told us that this was an error and that they would submit the payment. This happened two years in a row, then last year they told us that they did not pay sewer tax and apparently had never paid the past due sewer tax. While we tried to figure this out, the city put a lien on our house and charged us late fees and interest. I spent a few weeks working with people at XXXX XXXX ( the company that holds our mortgage and sold the servicing to Dovenmuehle XXXX in XXXX of 2015 to get it figured out. Finally I was told that the past due amounts and additional interest had been paid. We got a new sewer tax bill in XXXX and apparently the money that we had been paying toward the actual bill had been put toward the fees Dovenmuehle was supposed to pay, and now we were late on the current bill. We also saw that there were XXXX charges for " hospital tax '' billed on one day from our escrow. I called XXXX XXXX again and was told that those payments were toward the late fees which XXXX was supposed to pay - so they took our money out of escrow to apply toward bills they had promised they would pay and called it something else .... I do n't know if they were trying to cover up that they were taking our money to pay for their mistake or what. But to this date, the issue that has been going on for years has STILL not been corrected, even though XXXX XXXX repeatedly assured me in XXXX that I did not need to worry about it, it was all taken care of.
XXXX XXXX failed to provide me a " Right to Cure '' and this account is still being reported to credit bureaus although it is involved in litigation. They continue to friviously report in retaliation against me to all 3 credit companies although this account is involved in pending litigation.
Experian has fraudulent accounts on my credit report and they are refusing to remove it. They are also claiming they never received my identity theft report, but I uploaded it to their website on two different occasions. The most recent was on XX/XX/2016. 

The fraudulent accounts are XXXX XXXX XXXX and XXXX XXXX. I have never done business with any of these companies. I am infuriated with the credit bureaus for trying to hold me accountable for these a fraudulent accounts.
I have disputed this company 3 times with the credit bureau and filed a previous report with your agency. This company had listed these 5 accounts as included in bankruptcy which is ruining my credit. These debts were actually included in a WI ch XXXX amortization of debts and the debt is almost paid in full. In my previous dispute with your agency the company responded that this XXXX plan was a WI bankruptcy alternative rather than a bankruptcy and the trade line would be removed from my and my husbands credit. It has been a few months and the debts are still showing as bankruptcy causing our credit scores to remain low.
AAMS ACCOUNT NUMBER XXXX BALANCE IS {$4700.00} THIS COMPANY IS VIOLATING THE HIPPA ACT, SO I WILL SUE IF THEY DO NOT REMOVE IT FROM CREDIT REPORT.
Received 2 letters from same creditor, stating pay by a certain date, or legal action may occur. I receive ALL of my income from Social Security, and the VA, which is EXEMPT from garnishment, with the exception of federal debts, or child support. This is in regards to credit card debt, and I have been assigned a federal fiduciary, which further protects me from debts. I am in a forbearance agreement with my mortgage company. I am currently battling XXXX XXXX XXXX, to which I prefer recovery, instead of stress, from debt collectors. I also suffered a natural disaster on XX/XX/2017.
I submitted an FTC Affidavit with report number, an FTC Complaint number and a Postal inspectors complaint to Equifax and the Reporting Agency has failed to properly investigate fraudulent accounts on my credit file. I have submitted the same information to substantiate my claim of ID Theft numerous times to no avail. The following account ( s ) are not my mine and were opened without my consent, knowledge, authorization and were opened under fraudulently ; XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
Per my rights as a victim of ID Theft I demand that these accounts be properly investigated and removed from my credit profile. The FCRA ensures that Equifax reports 100 % accurate information. I also would like to see any consumer contracts and/or information contained in my credit file submitted as verification by the above referenced debt collectors and/or creditors per section 609 ( a ) ( 1 ) ( A ).
Bank of America have reported fraudulent activity on an account that I didn't open. I am being penalized for an account that I didn't open. My name is XXXX XXXX and the last four digits of my ssn is XXXX. There are other fraudulent accounts on my XXXX report that I want to be handled and dealt with accordingly.
Unfortunately I am upside down on my home by {$100000.00}. I just received a Mortgage Statement showing {$200000.00} due by XXXX XXXX, 2015. I am self-employed and my business/income has dropped considerably. I contacted " Keep your home California '' which stated that I qualified for a Principal Reduction however the company that is carrying my note, HSBC, will not allow me to participate. I asked if I could at least get help with their other program that helps with relocation and moving expenses. I was again told that HSBC would not give permission for me to receive help there either. This is wrong! I originally had my loan with XXXX, which I was told went bankrupt which left me stuck with HSBC handling the loan. " Keep Your Home '' stated XXXX was n't even on their list, but my notices show XXXX for payoffs.The only programs they will allow is to catch my payments up then I 'm stuck with the same payment which put me into this trouble to begin with, along with I have to pay those payments on time, ca n't sell or refinance for 5 years. If I default with this program for any reason, then I owe all of that money on top of the original amount. I really need a program which can lower my loan payments permanently, not keep adding to my problems .Without any help, at my age, I can potentially end up in the streets. If there is any way of helping, please. I would be eternally grateful.
... A company called " AlliedInterstate '', which only shows a XXXX as address, has tried to " collect '' a debt on behalf of " XXXX XXXX, XXXX. " ; for such I have no knowledge nor I owe anything to that bank/credit ...
In XX/XX/XXXX, I applied and was approved for a car loan, during the 10 year period of the loan, payments were made and subsequently, the loan was satisfied. After recently reviewing my credit report, I noticed several inaccuracies. In particular, there are XXXX entries I noticed as inaccurate. On XX/XX/XXXX, Santander indicated I was 90 days late, which is inaccurate. 2 ) On XX/XX/XXXX, Santander indicated I was 60 days late, which is inaccurate. 3 ) The report indicates the terms were {$140.00} for 72 months, which is incorrect. Finally, I have no confidence in Santander 's administrative accuracies and their failure has fueled the negative entries on my credit report. These inaccuracies are reducing my chance for homeownership. Attached are XXXX documents recently received from Santander, in which, they clearly admit there are administrative and record keeping issues that was uncovered during an audit. " during a recent audit, we determined your account is due a refund ... '' This admittance has caused me to lose total confidence in Santanders record keeping. As a result, I believe there is more incorrect information reported that is negatively listed on my report and the possible reason for future credit denials.
on XXXX/XXXX/2016 I made a payment in full to Capital One on my secured credit card. The limit on the card is XXXX the balance owed was XXXX. I paid the entire amount. I have never missed a payment and so far as I know I have never had a payment returned. In good faith I went out to use the card and was unable to use it. Upon calling Capital One I was informed that they were holding my funds. At no time in the year that I have had this account have I ever had funds held for verification of payment. XXXX a customer service supervisor at Capital One would do nothing to assist other than to tell me to call them when the bank is open so they can verify the payment has cleared.
Several months ago, I enrolled a PayPal account so I could receive money for selling some personal items on Ebay. On XXXX XXXX I sold a gold bar in the amount of {$1200.00}, the buyer of this item paid and I shipped the item. Due to this being a new PayPal account, these funds were held for several days. After the money was made available, I attempted to withdrawal {$500.00} of these funds only to have the transaction reversed and account limited. PayPal is now demanding a large amount of personal information from me to " restore '' the account- a task that is very onerous. Furthermore PayPal wo n't respond to my Emails and continues to cite their " User Agreement ''. I am also unable to refund another buyer who paid for an item I sold on Ebay, which creates another issue. Because I can not deliver this item, nor refund it, my buyer has no other recourse to in initiate a dispute ( or possibly legal action against me ) for failing to give their money back to them. 
I feel PayPal is unlawfully holding my money for an item I sold, and will not allow me to refund a second buyer for another transaction.
My husband and I have a mortgage with Wells Fargo. We have had that same mortgage for nearly 10 years. We received a mailing from Wells Fargo with a refinance offer for a fixed rate that was more than 1 % less than what we currently have for less years than we have left on the loan. We applied, were approved, provided all documentation required of us and then were given the run-around. The mortgage company ordered an appraisal that was supposed to have been completed within a week. It took 3 times that amount of time and when it came back it was low, which was acknowledged by the closing agent, XXXX XXXX, who said " all appraisals have been coming in very low. '' She said that we should not worry about it because their actuary was using our original purchase price and not the appraisal amount. This seemed logical since they were the ones who gave us the original loan based on the original purchase price! Not only was the appraisal low it was missing an entire bedroom, bathroom and fireplace. I was told that a request was going to be put in for the appraisal to be revised based on those details. The loan amount that Wells Fargo had on the paperwork was also incorrect, which I pointed out at least 7 times. These XXXX factors put us below the XXXX % required in order not to pay PMI. At the correct loan amount and with a revision for the additional bedroom, etc we would be fine. Numerous emails, and phone calls to the mortgage consultant, XXXX XXXX and the closing agent, XXXX XXXX, went ignored. We were told during one conversation that they doubted the appraisal would be adjusted, but yet had no proof that it would n't be. We called for a status update every other day and were ignored. Then when we did get in touch with XXXX she told us there was a backlog at the appraisal company and that we my need to reapply because the lock-in rate would most likely expire before the revision was done and closing could take place. And then there was ZERO follow-up until we received a letter saying our application had been denied. We called the number on the letter in order to receive the details of this decision and did not receive a call back. XXXX people, three voicemails and 4 days later we got a call back from XXXX XXXX who was not able to provide us with a logical reason for the denial and acknowledged that our appraisal had not been adjusted and that the process had just stopped, for no reason that he could explain. We asked to speak with a supervisor and were told that there was no supervisor. When we asked for the details behind the decision in writing, we were told he did not know who to contact. The letter we received said that we were entitled to the details of the information used in the decision to deny our refinance, but there is no contact information and no person to whom a letter should be addressed to obtain that report and no one we have spoken to at Wells Fargo is able to tell us how to obtain that information. This process is not just bad customer service. This is a scam. Wells Fargo took nearly {$500.00} of our money and then did nothing at all to make our refinance happen.
Hello I recieved a letter several times telling me there a collection agency looking for me too pay {$150.00} from a past medical bill when i was playing hockey in Indiana. The company is HRRG in XXXX XXXX Florida. my acct number with them is XXXX and bill is from emergency prof of Indiana. My dad made arrangement with them to pay the balance. He then stopped that payment because this company i believe illegally put this debt on my credit report, and also same exact on my dads credit report. My dad has the health insurance and i 'm a dependent. When i went to dr i was told i wont be seen unless my social security number was put on paperwork, me being XXXX i did it and now i 'm having negative credit on my credit report when it was perfect. They have been calling and i was told " you know this is yours so pay it and we can close out the file. On another occassion i was told it ca n't be held much longer and that it will go to our legal department where it will cost you more in fees. How can i have this removed from my credit file. I do n't want to be harassed anymore. 

Thank you XXXX XXXX
My husband and I filed a complaint w/CFPB XX/XX/XXXX, ( which has not been resolved ) regarding how our lender ; Nations Star handle payments our trustee had been sending for the past five years. In what seems like intentionally backlash or retaliation our payment has gone up even higher than the initial complaint, causing us to believe this lender is trying to force us into unfair foreclosure. Our last complaint stated our payments were {$1000.00} then increase to {$1800.00}, we were told as of XX/XX/XXXX ( which ironically is the month we are no longer in bankruptcy ) our payments will be {$2100.00}. I 'd like to take this further, as I stated this seems as if we are being forced out of our home.
In XX/XX/XXXX 2016, two ( 2 ) unauthorised transactions for XXXX XXXX XXXX appeared on my Wells Fargo Monthly Statements. I disputed them at the XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX County, FDIC Cert : XXXX. I was given a provisional credit on my XX/XX/XXXX 2016 for only {$39.00} ( not the {$6.00} transaction ) and a letter sent stating a provisional credit had been made. No mention on of the $ 6.+ unauthrorised " swipe to pay '' app transaction -- -which my phone is n't capable of doing -- was ever made. The provisional credit was shown on the XX/XX/XXXX 2016 as provisional credit. Meanwhile, XXXX XXXX XXXX continued to accrue interest and add applicaple " payments ''. ( see attached for all three documents ) By XX/XX/XXXX 's Wells Fargo statment 2016, there was no mention of anything being made permanent, Wells Fargo was in a heap of trouble globablly and I was locked out of my online account and XXXX branch said they could do nothing. I stopped my direct deposit and left enough in the account to avoid banking fees. ( see attached ) XX/XX/XXXX 2016, I deposited {$4500.00} and spoke with Services Manager, XXXX XXXX XXXX XXXX who unlocked my online account ( short term and I noticed numerous errors in physical address, phone and account numbersbut that is another issue ), escalated the {$39.00} provisional credit and inquired as to why the {$6.00} never had been file as fraud. Another escalated ticket was issued. ( see attached ) The XXXX XXXX XXXX account as of XX/XX/XXXX 2016 was {$1000.00}. ( see attached ) Nothing has been done by Wells Fargo. No supporting documents substantiating why they refututed the swipe to pay app as unautorized, no finalised credit for the {$39.00} and {$6.00} made at the same time. XXXX XXXX XXXX has submitted it to XXXX XXXX XXXX and it is on my credit report as adverse credit reflection. ( See attached )