WillisBack/dataset-financial-user-claim huggingface dataset:
My mother and father were both on a mortgage with XXXX/ XXXX XXXX My father passed away in XXXX. When we inquired about mortgage insurance. We were promptly told that theirs expired a year prior to my father 's death. The initial mortgage was {$830.00} and the interest rate was well over 21 %. With much haggling the reduced the mortgage payment to {$300.00} with an interest rate of 7.7 %. Throughout all these years they never did assignment or any paperwork pertaining to the mortgage until I asked them for a copy of the mortgage and the note. The then sold the loan to Bayview Loan Servicing LLC. The loan is a 30 year fixed rate mortgage. Upon transferring it to Bayview, we were told that it is now a daily interest loan. The bill says that the {$300.00} payment is all going to interest.. My father passed away in XXXX. XXXX just filed some assignment paperwork to them from my dad and the old mortgage company. My mother 's name is not on The documentation. His name is even spelled incorrectly. They further filed an assignment from XXXX to Bayview loan servicing all on the same day XXXX. I have no way of knowing wether my parents had mortgage insurance. My mother has XXXX, my father is deceased, and XXXX never would produce any focumentation. My parents only income at the time was social security. With my father now deceased my mothers income is only half of what it was, I believe my parents are victims of predatory lending. Something very sinister has gone on here. I have to speak for my mom because she ca n't speak for herself. I need some help.
This company would not remove my ACH authorization even though I contacted them a week in advance. They first removed my debit card saying " your debit card will not be charged '' but left my bank account information in place. I called back and was told " the manager has to send an email to her manager '' because they can't do it in the local store. I followed up with an email asking for confirmation it was completed and was ignored. I contacted the corporate office and also got the runaround and a couple different answers. I also requested my employer wage deduction be cancelled as well.
My father 's Bank of America debit card was used in a XXXX XXXX XXXX while he was in a XXXX We have filed at least XXXX complaints about {$37000.00} in charges from his bank account with Bank of America. We have provided a letter from the hospital naming the person who used the card, provide notarized copies of his signature and the bank keeps telling us that these were authorized charges on his debit card made by him. We have been fighting this battle with Bank of America since XXXX XXXX, 2015, when my father passed away in XXXX XXXX. They also paid alimony payments from his bank account after I froze his account on XXXX XXXX, 2015. I have done everything within my power to try to retrieve these funds that were gotten nothing but letters stating that these were signed by my father. I feel that it is unfair that a large bank can get away with stealing over {$37000.00} from a deceased person 's bank account.
Equifax is still reporting a bankruptcy on my credit report that was discharged 9 years and 9 months ago. They are the only credit bureau doing this. I want it stopped and removed.
I mistakenly paid off my entire bill of $ XXXX instead of paying my regular monthly payment of {$35.00} on XXXX XXXX, 2015. Called on the XXXX to request a refund. It was granted and I was told it would be sent out the next business day. As of today, XXXX XXXX, I have not received any of the XXXX checks to be sent to XXXX different addresses. I have called countless times to request the money to be direct deposited into my account but their policy states the amount has to be {$3000.00} or more.
On either XX/XX/XXXX or XX/XX/XXXX, I visited XXXX XXXX XXXX, and spoke with salesman XXXX XXXX. I needed to turn in my XXXX leased XXXX, and get another, leased or financed vehicle. Mr. XXXX turned me over to a finance manager, who confirmed what Mr. XXXX had already told me : I must make a down payment on a new car before also agreeing to pay a car note. Mr. XXXX had said I needed to put down {$15000.00} ; and the manager said I needed to put down {$2000.00}. Why? I was in open Chapter XXXX bankruptcy ( a fact that Honda Finance already knows ). 
So what if I have made timely payments to Honda, for the entire 3 years and 3 months I have had this car, says Mr. XXXX and the finance manager. Honda 's " policy '' is that Honda doesn't finance people in bankruptcies/past bankruptcies. I told them, no, I should not have to put money down, since I have a long history with Honda ( at least 20 years! ), and since Honda knows first-hand that I make timely payments. ( I made all payments on my leased car both before and during my open bankruptcy! Made those payments directly to Honda Finance, electronically through my checking account )! 
I was disappointed, but not surprised as I left this dealership. I had already gotten a runaround from XXXX XXXX in XXXX   NJ, where I got my now leased car that must be returned XX/XX/XXXX to Honda. And XXXX XXXX XXXX in XXXX also gave me a runaround. The XXXX XXXX XXXX dealership kept me in the dealership for at least 4 hours, only to tell me Honda failed to approve allowing for me to roll into a new, purchase deal on my same car that I now drive as a lease customer. That sounded logical. But the deal did not go through. 
I now complain that Honda should : allow for me to at least buy my leased car that is due back to them on XX/XX/XXXX, since Honda has before it, the proof of my timely payments to them, on this car! And if Honda will not budge on its " policy '' of not financing bankruptcy customers - unless they pay {$2000.00} upfront? - Honda should at least report my good leased vehicle payments history to the credit bureaus. Right now, Honda seems content with leaving me between a rock and a hard place. I must turn in my leased car by XX/XX/XXXX, but I can't get repeat financing from Honda ( ludicrous ), since I have filed Chapter XXXX bankruptcy. Never mind that I managed to pay Honda on time during the ongoing bankruptcy repayment plan! And since Honda fails to show my most recent credit history, I am stuck with not getting another, new vehicle! What non-Honda dealership will even look at me, when they see I not only have bankruptcy on my record, but an old, XXXX Honda report of late payments that gradually were made in full. That is kind of a lie. I turned back in my XXXX in XXXX, since I knew I could not keep struggling with the high payments. And XXXX XXXX took it away, and got me into another, Honda finance deal, on the XXXX that I now drive leased! 
Give me a break, Honda! I have been with you for too long for you to play these fiscal games with me, at a time when you know I am vulnerable!
Results from the investigation were neither logged, rendered, nor provided to XXXX, in 30 days and or til date, despite XXXX repeated requests. Second, XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX. Hence, Experian again went silent.
XXXX   XXXX ,    2016  amounts is {$1400.00}.   I have contacted the company to dispute this debt because the school issued out money I was not due and I should not be held responsible for this error on their behalf.
I was an authorized user on 2 XXXX XXXX credit cards. I have been removed from the cards but my credit reports have not updated.
I made a report about XXXX XXXX yesterday, and today the credit union got back to me, please consider this case with XXXX XXXX closed.
The account from  XXXX   XXXX  on my Equifax credit report was disputed and removed on  XXXX   XXXX ,   XXXX   and in checking my report today it has reappeared as  XXXX   XXXX   XXXX . Cancel, and reported again on  XXXX   XXXX ,   XXXX   and the amount is now higher than the original {$140.00} balance, the balance is now {$190.00}
Experian is refusing to remove accounts that do n't belong to me, they 're refusing to remove fraudulent inquiries, and they wo n't accept my identity theft police report through their upload page.
Company by the name of Global Trust Management is using deceptive tactics to contact people. They are using false telephone numbers that say something different than who they are. For example, I received a phone call from what showed up on caller ID as XXXX XXXX ( XXXX ). When I answered, the representative said she was from Global Trust Managent and was attempting to collect a debt. I asked her why her company why they were using false numbers and she said she did not know what I was talking about, so I hung up.
I o  btained my Transunion credit report on line. There were U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
The County Recorder of Deeds and the Bankruptcy Courts have also reviewed the Public Record section youre your Transunion Credit Bureau. They both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
The Transunion Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).       See document attached from the courts.     Transunion File #  XXXX   XXXX   XXXX   XXXX  Little  XXXX   XXXX   XXXX , GA  XXXX
I obtained my credit report from Experian and in order to get my credit score, I paid {$1.00} to Experian. When I put in my credit card information, below that section, there was in small writing, a paragraph that stated my credit card would be charged a monthly amount for credit fraud protection unless I lived in New York, where credit reporting companies are prohibited from imposing such an automatic credit charge. I live in New York and the address I included for the credit card payment was my XXXX, New York address. I was charged the {$1.00} the day I received my credit score and then just today XXXX a couple weeks later ) a pending charge on the same credit card for {$23.00} showed up from Experian. I do not know what the charge is for, probably credit fraud protection, but I did not approve it and did not think Experian could charge me for it legally, as I am a resident of New York.
XXXX XXXX XXXXXXXX credit card account showing a balance of {$10000.00} on Credit Karma ( reported by XXXX  ) is not my account.
Hello, I filed a complaint XXXX/XXXX/XXXX in regards to incorrect information on my credit report. 
XXXX XXXX 's is showing a 30 day late payment XXXX of XXXX. I have never been late and have disputed this error thru XXXX. XXXX has not removed this error even after filing a dispute with CFPB. Synchrony Bank has already made contact with XXXX and provided them an updated XXXX to correct this error and they have not. It has been over 30 days and this information has not been updated.
About 5 or 6 months ago, I purchased a mattress for {$400.00} from this place ( can't recall the name ) where I applied for credit to cover the extended payment process. They delivered the mattress before the approval came back ( on a Sat evening ) and on Mon morning, 2 days later, I received an email from Acima credit saying I was denied based on several factors. I contacted the guy I got the mattress from asking what was the next step and he told me to see how it plays out. So about 3 weeks later, these deductions started coming out of my account, which was no big deal, I just figured it would take the {$400.00} and we'd be done. But about a month ago now, a payment disappeared where they are trying to charge me all these ridiculous late fees around {$40.00} for a payment that was made. So I contacted them to find out if it could be resolved and asked how much I owed so I could get the thing paid off and be done, they informed me that I owe over $ 800+. I asked how I owed so much and they told me that I owe them for the original balance plus the 1 year lease and financing, to which I asked, how do I owe you for a financing plan that you denied me for? They are trying to tell me that they NEVER ever sent me a denial letter. I feel like there's something fishy going on and needing help figuring out what I am dealing with. I don't deny owing {$400.00} minus 6 months of {$18.00} per week, but how am I being charged for something I was denied for?
On   XXXX   XXXX   XXXX     XXXX   XXXX    charged my debit card for  XXXX   XXXX   XXXX   for future publishing services to be completed by  XXXX   XXXX .   However, I was have n't communication issues in  XXXX  to  XXXX  when all communication stopped I requested my money to be returned in  XXXX ,  XXXX  and filed a compliant with the attorney general of Oklahoma.     I contacted chase bank in   XX/XX/XXXX /  XXXX   XXXX   XXXX   an d advised them that I never received the services that I paid for.   They denied my claim writing that they confirmed it was a good transaction. The transaction ( debit ) is not the claim. They are denying my claim without substantiating the validity of the claim. How can they do this.
Debt Recovery Solutions was on credit report for {$340.00} when tried to get mortgage. I phoned the company to get information on this so called debt was screamed at and demanded that I pay that day. Called back again with no better luck. I have disputed the information and nothing has been done
I have to state that I was pretty disappointed when US Bank took away the credit that was on my credit card through XXXX. 

I had a credit balance because US Bank would not accept payments of less than {$1.00} from my bank. And rather than refund the money ( like other credit cards do ) OR enjoy the interest they were making off my money, US Bank decided to keep all of my money with NO issuance of notice to me. US Bank has stated ( on XX/XX/2017 ) that there are regulations that require a refund of any credit balance held by the bank for 90 days. HOWEVER, it is US Bank 's policy to keep the money themselves rather than send out checks for less that {$1.00}. 

If I owed US Bank money, they would not hesitate to charge me with a {$38.00} late fee if I did n't pay an amount within 30 days. I have to ask - where is the equity in this action? 

While the amount may be small, for a company with 15.8 million customers ( XXXX XXXX XXXX ) and a quarterly revenue of {$300.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) this seems like a pretty petty thing to do to the customer, but a potenially large windfall to the company. 

I would love an explanation on how/why this is possible, Thank you XXXX XXXX
I have a collection on my XXXX credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been over 4 months since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt.
I 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

-XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense
On Friday XX/XX/XXXX I received a call from a person named XXXX with a company called XXXX XXXX. He stated he was trying to serve me and I had waived all my rights and needed to inform me that the following day I would be serviced between XXXX and XXXX. Never happened. He called agian on Monday XX/XX/XXXX. I soon determined that this was tied to a company called American Credit Financial. Their numbers are XXXX & XXXX. I was told my Claim Number was XXXX. Upon calling this place I was quickly transferred to a XXXX XXXX to which informed me she had a case against my social security number from XXXX XXXX ( I figured out is now owned by XXXX. She told me I had broken federal banking laws. Then transferred me to a XXXX XXXX or something like that. He proceeded to tell me that he was processing a claim against me for XXXX XXXX. I explained to him that this had bee discharged in a XXXX Chapter XXXX. He then told me he needed my attorney number and because I didn't have it on me would tell the client that I was not making any arrangements and would move forward. Then he disconnected the call. I contacted XXXX ( XXXX XXXX ) only to be told they do not associated with this company and have no record of dealing with them. To me this sounds like a SCAM! 

I just want them stopped. 

XXXX XXXX XXXX
I reached out to south west requesting validation in XX/XX/XXXX. They did not provide proper documentaion. In their response they stated they did not have to provide a contract. Per fcra anything other than a dated signed contract does not validate a debt. I responded with another request for validation and they did not respond back with requested items or to delete account from all reporting credit reporting agencies and to cease all debt collection tactics until this matter is handled
Amerihome Mortgage Company has lost three of my payments on dates XX/XX/18, XX/XX/18 and XX/XX/18. 

They told me I haven't paid since XXXX, but what actually happened was they changed my account number without notifying me. They said they were forwarding payments previously to the correct account, but starting in XXXX they no longer did that. I was never notified until I received certified mail saying I was in the process of foreclosure on XX/XX/XXXX. 

I sent them proof of payments well before this on XX/XX/18 from XXXXXXXX XXXX and all of my checks have cleared. I have received no refunds or help from the company. They have all been completely rude and uninformed. I was transferred a dozen times every time I have called. No one shares any notes that I was told to submit, however one customer service rep said she received it..then I got another foreclosure notice. This has been embarrassing and caused much anxiety for my family. Amerihome has made no effort to find the money they took from me or fix the problem. If they wish to foreclose, I have all of my records and have sought legal advice. I can't afford to make additional payments since they've lost mine already and will likely apply my next payment to erroneous late fees and other charges they created even after taking my money. attached are some documents from bank. They have repeatedly hung up on me and made no effort to return calls or emails. Admittedly, by the 15th attempt I was rude. They also dropped my credit score from XXXX to XXXX.
My loan payment was due and paid XX/XX/XXXX at XXXX Pacific Standard time. I recieved a payment confirmation through email and I printed out my recipt. I thought that paying a day ahead of time, I should be ok, right? Wrong. My account is now passdue because the paynent is supposedly pending. It is XXXX XXXX Pacific Standard time and it is still pending. I do n't have any banking issues so this sould n't be a problem.
This is in regards to complaint file XXXX for Experian, I have asked for inquiries to be removed from my credit report that I have not authorized. The law states that the credit bureas have to show proof that these are in fact my inquries that I have inquired about. So I am asking CFPB to help me with getting proof that I have gave authorization to have these inquries just like I have asked Experian and Still have not gotten any proof.
caine and weiner {$90.00} they say i owe them for car insurance when i didnt even have a car at the time and nver had insurance for over 2 yrs  because i lost my licence. i dont know who was claiming to use my social security number but this is errant and not my debt.
THIS IS A RE- INVESTIGATION MATTER. AS YOU CAN SEE FROM MY CREDIT FILE I HAVE HAD IDENITY THEFT BEFORE. SOMEONE HAS REQUESTED A INQUIRY ON MY CREDIT FILE AND IT WASNT ME. I HAVE SENT LETTERS TO ALL THE CREDITORS LISTED BELOW ASKING FOR REMOVAL OFF MY CREDIT FILE. FOR INSTANCE WHY WOULD I REQUEST XXXX XXXX TO PULL MY CREDIT BACK TO BACK NUMEROUS TIMES IN A 2 DAY PERIOD. DOESNT MAKE SENSE. I AM REQUESTING FOR IMMEDIATELY REMOVAL OF THESE UNAUTHORIZE INQUIRIES THAT I DID NOT AUTHORIZE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM XXXX AND DO NOT DRIVE DUE TO A INJURY IN XXXX THESE ARE AUTOMOTIVE INQUIRIES PLEASE REMOVE FROM MY CREDIT FILE