WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   denied credit for a mtg on  XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am  XXXX .about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.
Receivables Perfom is currently reporting a paid Collection account on my most recent XXXX Credit Report. 

The debt was paid to the original creditor. It was not paid to third party. 
Written request for complete information concerning the debt have not been answered nor addressed as of today.
my personal information was used at XXXX  XXXX XXXX college to receive financial aid for classes I have never enrolled or attended classes at the institution in question and a {$1500.00} debt was placed in collection on my name I have contacted the institution and they notified me of the fraud and have notified the debt collector of the fraud and online classes was taken from a person in Florida I do not reside in Florida nor have I ever been to Florida I live in Washington state and had no prior knowledge to the transaction until XX/XX/2019 when checking my credit report I spoke with XXXX XXXX at XXXX  XXXX and she notified me on my steps to take in getting the collection off of my account and getting a police report filed for fraud this collection has effected my credit score and has made things very difficult to me as a XXXX year old student which is why I am filing this fraud report to retain my information and clear up records of fraudulent behavior
I filed a reverse mortgage with XXXX who is now Owcen. My house was appraised for {$87000.00}. I got {$23000.00} last year instead of the {$43000.00} because I am XXXX and they were keeping half. ( I was never told before ). They set {$2300.00} aside for repairs. I finally got a company to do repairs. The problem is I live in a small town. We have no painting companies here. The closest town is 45 min away. No one would come and paint my fence and porches for anything under {$5000.00}. The company I got XXXX came and painted the fence and porches. Then when inspectors came they kept saying I had more to do. Things that were n't even in the initial contract. All I was to have done was the painting of my fence and porches.They sent partial check payment to of {$1700.00} in my name and XXXX. for repairs. Said when the repairs were finished they would send remainder. I called them told them the repairs were done. They asked about my windows. There was nothing in contract to do with my windows. Its like the added more stuff without my knowledge, So we took care of that..The repairs got finished. So last Friday, XXXX XXXX I called to find out when they were releasing the check for repairs.. They informed me, that they sent XXXX out for the the {$1700.00} and then used the rest to pay for the inspector so I am going to have to pay the remaining {$550.00} out of my pocket plus the portion I was to pay {$50.00}. So that is a total of {$600.00}. I then asked about my remainder of money that was supposed to come to me. They transferred me and I could not find out anything more. Monday XXXX XXXX, my son and I called them. We asked them about the same. They told me I was only going to get {$20000.00} instead of the {$41000.00}. because I am XXXX and they were keeping half. Like I said previously was NEVER told to me before..They were getting after me for not having repairs done, ( When I thought they were ) but when they do wrong I guess that is supposed to be ok.When I started this I was told my home was worth {$87000.00}, so I would get {$43000.00} last year. Then this year I was to get {$41000.00} which was after the {$2300.00} came out for repairs. I am so frustrated, I want the over half of my money. My XXXX called the XXXX today XXXX XXXX and they told us to contact you due to the fact this company has negative rating with XXXX I have XXXX and I am XXXX. I do not need this.This whole process has been a real pain, and I thought these reverse mortgage was to help with your retirement and it did n't matter your age. If you could please HELP. Thank you
I brought a 2009 nissan murano and was sold a lemon and thsi car almost killed my children and i .The sale of defective vehicles has a set of rules known as " lemon laws. '' A " lemon car '' generally means an auto with defects. Given there are about XXXX components in the average auto, include human error on the assembly line and it 's not surprising that a substantial number of " lemon cars '' are produced. The lemon law was established to protect your consumer rights by providing legal recourse after the purchase or lease of a defective new motor vehicle which fails to meet the manufacturer 's warranty after a reasonable number of repair attempts. 

If a manufacturer refuses or fails to offer a replacement or a refund for your lemon car, you have the legal right to file a civil action in a court of law. When you win a lemon law case, the manufacturer must : Provide a replacement or a refund Pay the consumer 's costs and expenses, including attorney 's fees The manufacturer can also be liable for a " civil penalty '' of up to twice the consumer 's damages ( usually the price of the defective goods ) State and federal rules are in place to protect consumers from auto dealer fraud when they shop for vehicles. Laws are designed to punish dealerships that take advantage of their customers and deal with deception and unfair practices by dealers. Auto dealer fraud law includes the FTC regulations ( the Used Car Rule ), other federal and state consumer protection laws, and the common law tort of fraud. 

Many car dealers use financial fraud to sell their vehicles. Car dealers can trick you out of a low car loan rate ( APR ) you thought you had committed to. For instance, you purchase a car and sign for a low APR. A week later the dealer phones and says you did n't qualify for that low interest - apparently the loan you thought you signed was " subject to loan approval ''. Then they ask you for more money and increase your payments. To avoid this scam, do n't finance your car at the dealership. 

Another trick, called the " Straw Purchase '' happens when the dealer says you have a terrible credit score and need a co-signer. However, the dealer knows your credit score is so bad you would never qualify for a loan. He gets you to find a co-signer for the loan, but in the paper shuffle, it ends up that the " co-signer '' is the actual purchaser of the vehicle. 

Some car dealers can " forget to pay off your trade-in ''. You trade in a car that you still owe payments on, and the dealer is supposed to pay off the loan for you and add the amount to your new purchase. Then the bank calls : the dealer has not paid off the loan, the car is still in your name, the bank is charging late payments to your credit rating and you have no contract to prove that the dealer said he would pay off the loan. I am getting my lawyer intact for this company and XXXX place.
This afternoon ( XX/XX/2019 ) I spoke with a representative and her supervisor regarding my request for a credit limit increase. During the discussion I was informed that there isn't an appeals process - but Capital One was unable to do a soft pull of my credit which I found difficult to believe given that on the letter with their explanation, Capital One was unable to obtain specific information about me. However, they were able to obtain a credit rating of XXXX with information associated with my credit score enclosed in the letter. Something about their process or appeals lack there of doesn't appear to be right. I informed the representative and her supervisor that I just bought second home and if my credit was subpar, I would not have been able to do so.
I have tried everything that I know how to do correctly, Still, XXXX, XXXX and Experian will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX ) I'M trying to get a better job & place to live but they, ( XXXX ) ( EXPERIAN ) ( XXXX ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do
This company did a background check on me and committed a very serious error by placing in the report information that does not belong to me ; that is, the information is not about me and it is adversely affecting me personally and professionally. I have a clean record, with no problems whatsoever. Therefore, I am asking you to help me find out why this serious error was made and to resolve this problem as soon as possible, since it is harming my present and future prospects. For example, the XXXX company XXXX has rejected my application based on this error. 
I have a similar case regarding XXXX. I filed that claim with you all, and the case number is XXXX.
Enhanced Recovery has XXXX filed a collection account against my credit reports for a bill to XXXX that I do not owe. The collection was originally placed last week. I verified with XXXX that the debt is not owed and Enhanced Recovery removed the collection. Today, Enhanced Recovery placed the collection back on my credit report.
American Adjustment Bureau is collecting a debt for XXXX creditor, XXXX XXXX XXXX. What they 've done is created XXXX individual collection accounts for XXXX creditor to create the appearance of many negative debt data points. All accounts started by AAB on XXXX/XXXX/2010, with XXXX additional XXXX on XXXX/XXXX/2010. Original debt was re-aged by AAB from original debt. Contacted XXXX, requesting verification and consolidating the accounts under XXXX record, but was ignored.
Equifax was hacked and lost millions of personal data, mine included. The fact this company can have such critical information stored without being properly secured has put me at risk for identify theft. The offer of 1 year credit monitoring is inadequate because my identify may be stolen 5-20 years from now. The company should be offering lifetime credit freeze/monitoring to the people affected. 

Further, Equifax allows you to freeze your credit for 90 days but that can be unfrozen with a PIN which can be reset with the same information that was already stolen. 

Finally, the failure to notify customers in a timely matter that the company was hacked put me at risk without my knowledge.
XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on EXPERIAN, XXXX AND XXXX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
EXPERIAN-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XX/XX/XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
XXXXsays account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XX/XX/XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
XXXX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XX/XX/XXXX.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.
Mortgage payment increased XX/XX/2016. Called Nation star to ask why and they never explained. Stopped payment until they returned my call. They told me my XXXX XXXX home insurance increased so I changed to XXXX home insurance that same day and the new insurance was less expensive than I originally was paying. Nation Star still did not adjust my payment. In the end I had to pay all missed payments and {$3000.00} in penalties because they started foreclosure procedures and it is on my credit report so I can not refinance to get away from Nation Star. I cant even use my VA loan because this issue. I need help. Thank you
I opened an account with XXXX XXXX XXXX which is funded thru Bank of America. I never received the statement until XXXX XXXX. I called the XXXX  at XXXX  after returning from vacation. The young lady who handled the matter was not very polite. I explained that my statement was placed in XXXX XXXX  instead of XXXX & I have proof which she said was not needed. I informed her I didnt receive the card either. She said she was going to close the card & replace it with account ending in XXXX I requested to have the late fee removed. She said she would put in a request since its not XXXX XXXX fault but the Post Office. I also filed a complaint with the Post Office. I received the card on XX/XX/XXXX I activated it yesterday,XX/XX/XXXX. I went to use it onXX/XX/XXXX& it was declined causing me trama. I called & the 1st Customerservice rep hang up on me after I requested to speak with a supervisor. Called back & spoke with a female who claimed to be XXXX then a male who claimed to be XXXX   supervisor. Both confirmed account was closed. XXXX  said that the card ending in XXXX was indeed mailed on XX/XX/XXXX but canceled onXX/XX/XXXX but refused to say why. I asked him if the card was closed how could I activated it and he had no answer.
IN REGARDS TO EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX I HAVE CONTINUED TO WRITE AND COMPLAIN ABOUT FRAUDULENT ACCOUNTS AND ADDRESSES REAPPEARING OR NEVER SIMPLY BEING REMOVED FROM MY REPORT LIKE EQUIFAX SAID THEY WHERE GOING TO REMOVE THE INFORMATION AND I WILL CONTINUE TO COMPLAIN UNTIL THEY GET IT CORRECT.
XXXX store card closed my account on XX/XX/XXXX so I was told from a representative .After making a purchase on XX/XX/XXXX for a roll of XXXX XXXX toilet paper. The account is current and not in default. I am paying on time but now it will affect my credit score by closing my account. The bank has other accounts under my name that in good standard and I do n't understand why they closed my account without a notice.
I responded to a special promotional offer to open a Citibank Citigold Checking Account on or about XXXX XXXX, XXXX. The promotional offer code was XXXX and stated that, after I met certain specific requirements, I would receive a bonus of XXXX Thank You ( TY ) points. I met all the requirements by XXXX XXXX, XXXX. I contacted Citibank twice to confirm that I qualified and would receive the XXXX TY points, and Citibank twice confirmed that I would receive the XXXX TY points no later than 90 days after I met the requirements, that is, by XXXX XXXX, XXXX. Those confirmations occurred in online chats with Citibank representatives on XXXX XXXX, XXXX ( chat with Citibank representative named " XXXX '' ) and on XXXX XXXX, XXXX ( chat with Citibank representative named " XXXX '' ). When I did not receive the promised XXXX TY points, on XXXX XXXX, XXXX, I contacted Citibank on XXXX XXXX, XXXX. Citibank conducted an '' investigation '' and notified me by letter dated XXXX XXXX, XXXX that I did not qualify for the bonus, even though Citibank representatives twice confirmed that I would receive the bonus. I asked Citibank to reconsider the decision on XXXX XXXX, XXXX, and Citibank again notified me by letter dated XXXX XXXX, XXXX that I did not qualify for the bonus. I feel misled and cheated out of XXXX TY points, which are worth {$500.00} or more.
XXXX-ORIGINAL LOAN - XXXX XXXX XXXX Applied for a loan modification with XXXX XXXX XXXX XXXX XXXX transferred our loan to Ocwen Loan Servicing a . We received notice we were approved and the terms were to be 30 yrs for {$190000.00} @ 2 % for the life of the loan XXXX XXXX a. Ocwen changed the terms of the loan b. added XXXX to our loan, ( we were told this was an amount XXXX XXXX had sent over of payments that had not been made/ we then sent proof showing payments had been made and also our tax statements showing mortgage interest collected from XXXX ) c. raised interest rates after 5 yrs t 4.5 % d. added a balloon amount to end of loan e. robo signed or forged a signature on loan f. Has not responded in a timely manner to discuss the changes g. Has provided incomplete payment history reports h. Has refused to approve a new modification because our loan is current i. Has not considered the hardship of one half our income now going to a mortgage payment We have been trying unsuccessfully for five years to correct this error Only recently discovered this is common practice with this company and there is a complaint filed against them for these practices and an agreed order. They refuse to discuss the complaint and pass the information around from many representatives. In the past two months we have had XXXX persons assigned as our assistants to help. We have now been placed in the Escalation dept and are told our next step is the Ombudsman dept which is he highest level. We have been working with the Bankruptcy Dept, Research Dept and various other depts. Here is the link for the consent order XXXX
Below is an excerpt of a letter I sent to Bank of America on XXXX/XXXX/16. I got calls from them stating the issue is resolved and then I get dunning calls from them. They are ruining my credit in addition to other problems they have caused.I have answered their questions but still get dunning calls and letters that upset my wife tremendously. 
XXXX RE : Checking Account number : XXXX ( it is my BOA checking account number and the account data is correct as of now ), Please note : While reviewing my account on the website, I noticed a new account, for a credit card, a Visa for XXXX with a balance of about {$8.00}. It is showing as account # XXXX, Neither my wife nor I have ever requested such a card nor have we ever charged a penny on said bogus card, As this issue is causing my wife an incredible amount of consternation, we would appreciate if being cleared up ASAP. 
Many thanks from a 16 year customer, XXXX XXXX
Today, XX/XX/XXXX, I did call, I C Systems Collections, phone number : XXXX in order to clarify a place for collection. I spoke to XXXX, ID # XXXX in order to find out about a placed collection for {$150.00} which through the original creditor XXXX ( Cable/Cellular ), I C Systems Collections stated that they have sent me a notice, which I have never received. Then, I asked them to send me any information they have related to this collection and they denied to send it over via e-mail because of their policies. I did call once again and I spoke to XXXX ID # XXXX, I explained my situation, XXXX transfer me to her supervisor, supervisor 's name XXXX, ID # XXXX which I repeated once again my concern in receiving all this documentation via e-mail and mail. He misinterpreted my communication trying to play around with the wording. I asked for more than three times to send via mail a re-validation notice, month of the debt, and any valid information related to this collection. 
I have also requested a copy of their policies, no proper answers being responded. 

Please help me to understand my rights under the Federal Trade Commission. 

What is my next step, I need to clear this matter from my credit report. 

Is it e-mail a legal way of communicating? 
Why I C Systems Collections can not send me all information on their files related to this matter? 

I need to dispute this matter on a civil and polite way in order to be protected under Federal Fair Correction Act. 

This matter is causing that my student loan to be held which is nu-acceptable. 

Sincerely,
Received notice of unpaid debt to XXXX NC on XXXX XXXX. XXXX was paid by check on XXXX XXXX, cleared XXXX XXXX. I have asked by letter the collection agency to verify the debt, they have not done so and have continued to call and write me, despite my letter requesting verification.
I was alerted by XXXX XXXX that a collection account was added to my credit report in XX/XX/XXXX. I called the collection company XXXX XXXX XXXX XXXX and asked what this collection ant was for at which time I was noticed it was for an after hour emergency visit on XX/XX/XXXX A YEAR AGO. I asked why I was never contacted and her response was I called one time in XX/XX/XXXX but did not leave a message. I asked if there had been any other attempts to notify me I had a balance due and she replied no. I asked if it was legal to just add a delinquent account to someones credit report without FIRST attempting to contact them to even let them know there was an outstanding balance as I have never received a single notice once stating I had a balance due. I have Medicaid insurance and do not have a deductible for an office visit or ER visit which this was just an office visit at XXXX XXXX After Hours Clinic in XXXX. The credit report has zero information as to when the charge was made, when I was seen, what the service was or if I had made a pmt or anything. It simply stated opened XX/XX/XXXX Reported XX/XX/XXXX {$260.00} Medical Past Due Collection Account OPEN STATUS which lowered my credit score and I had never been contacted my the health clinic or the collection company whom received my account in XX/XX/XXXX and just reported to the credit reporting companies without any attempt to notify my or to let me pay or investigate the charge as my ins should have paid it in full.

I then contacted the Original Clinic and they said they sent me one letter and it was returned stating moved but that was it. There was never a phone call made to me or my emergency contact and my Medicaid ins just never got filed as it should have and now she said it was too late for her to go back and file it since its over a year. I confirmed she had my correct ins info and she did however the billing Dept dropped the ball, I was never notified or given a chance to pay it and now it is reporting as an OPEN Collection Account for something I dont owe. Are there laws that state I have to be notified or that protect me if the billing department waited to long to bill my ins and now they wont pay it as that is all out of my control?
XXXX hired Financial Asset Management Systems to collect on a student loan. Financial Asset Management Systems ( FAMS ) continues to miscount the amount of payments that I have made. I have been paying FAMS for over 2 years, {$250.00} per month. They have repeatedly misapplied my payments or not applied all of my payments. They are flagrantly violating the Fair Debt Collections Practices Act, with their repeated misrepresentations of how much money I have paid them. FAMS is engaging in deceptive debt collection practices. In addition, FAMS and XXXX have illegally added excessive interest and fees to the account. Every time I have asked for an accurate account of the fees and interest, both FAMS and XXXX become evasive.
I have made 4 Principal only payments in the last 12 months and everyone was misapplied, two were made by phone and two were mailed. This resulted in numerous phone calls and wasted time to get the charges reversed.
im writing in regards to XXXX ameracredit sent to irs i have n't heard anything from this company for fifteen years now irs is making pay taxes on this im XXXX and need my tax return