WillisBack/dataset-financial-user-claim huggingface dataset:
I had applied for a loan modification, I was approved, but I by mistake did not pay the exact amount for the first two months of the loan I paid {$60.00} less per payment in error as I was paying off the stubs. They then took the loan back and declined me for the loan, I have tried to reapply and they have continued to deny me for a new loan. Now the bank is saying they are going to foreclose.
XXXX XXXX, MD XXXX ( XXXX ) XXXX this people made a hard inquiry on my credit and I do n't know them 0n XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX on XX/XX/XXXX did the same and I do n't know them either.I just knew this through XXXX XXXX
After the major data hack that happened to Equifax in XX/XX/2017, I did sign up for the remedial credit monitoring and protection service being offered by Equifax but to my surprise, Equifax sent access information to my wife only. I waited forever expecting my own log-in credentials to arrive in the mail, it never came. I do not know Equifax 's explanation for this denial of service after having carelessly exposed my data to hackers.
Went to settlement on my house XX/XX/XXXX. {$3100.00} was impounded at settlement to pay 2015 taxes on the property Mortgage went from Greentree to Ditech.Taxes were never paid.Amt.owed went to collection agency with a lien date XX/XX/XXXX.I have called Ditech for 3 weeks .They were researching the problem.The tax bill has not been paid now I 'm in danger of losing the house & my good credit has been damaged.
On the advice of our supplier, XXXX XXXX XXXX XXXX, we opened an account with Chase Bank, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX. Phone XXXX XXXX XXXX. We deposited funds and made several transactions. XXXX XXXX is also a Chase customer and they have several accounts with Chase. 

Then we got a letter from them stating that they were going to close our account on XX/XX/XXXX. No explanation was given. 

We had an invoice due to XXXX XXXX, one of our suppliers, for {$180000.00}. We first made two attempts to wire the funds to XXXX XXXX XXXX XXXX but Chase denied the wire transfers. So we wrote a check to XXXX XXXX XXXX XXXX, for {$180000.00} and overnighted it to them on XX/XX/2018. 

Today we have been informed that Chase returned the check, even though there were funds in the account. They refuse to deposit the funds in the XXXX XXXX  account, even though both accounts are Chase accounts. They refuse to return the money to us by either wire or overnight mail with a certified check. They state that it will take up to 10 business days for them to honor the funds and return them to us, despite us having written the check 8 days ago. 

They suggested that we drive to XXXX to retrieve the funds, which is a 10-hour round trip. Not acceptable.
The whole Wells Fargo system is down and there is no way to get money out of my account. Debit cards are being declined, tellers cant access the system. There is literally no way for me to get access to the funds in my bank account. This is the first time in my life that this has happened and now I am going to have to keep an emergency fee outside my bank. Very scary.
Good day, Recently i have started to see that 3 credit card accounts opened under my name in United States, however i left United States in XXXX of XXXX, below is recent information from XXXX form which you can also check ( XXXX XXXX XXXXXXXXXXXX XXXX XXXX ) Most Recent XXXX Results For : XXXX XXXX Most Recent XXXX Admission ( XXXX ) Record Number : XXXX Most Recent Date of Entry : XXXX XX/XX/XXXX Class of Admission : XXXX Admit Until Date : D/S Details provided on the XXXX Information form : Last/Surname : XXXX XXXX XXXX Given ) Name : XXXX Birth Date : XXXX XX/XX/XXXX Passport Number : XXXX Country of Issuance : XXXX
I had a collection placed on my credit report by Diversified Consultants, XXXX. XXXX XXXX, XXXX, FL XXXX, phone ( XXXX ) XXXX. The collection is for {$43.00} on an account that does not belong to me that was apparently originated by XXXX for an unpaid cable television bill. I called and told Diversified that it was not my account and they said I would have to call XXXX. I called XXXX and they said I would have to get a police report and report it as identity theft. I cant make a police report if it is purely a XXXX mistake.
Their is a credit reporting ( XXXX XXXX XXXX ) on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.
I have an issue with this account with Portfolio, I requested validation, payment history, signed contract etc. I received a letter with a couple statements which I reviewed but does n't validate this account at all. From what I have taken from the information sent in XXXX something was purchased for XXXX nothing received for Decor XXXX 2013, then a statement in XXXX given that tells me no payment was made and min due is {$410.00} then a statement in XXXX same data no information, nothing paid, XXXX the same nothing paid, XXXX same, nothing in XXXX then XXXX min due XXXX and same in XXXX. I would like to review the signed contract with XXXX, was any payments made on this account? I do not feel this is validation. I took it upon myself as this account which is an error to try to just settle this so it is not hurting my credit and was denied. I do not agree with the data given and where is the proper validation.
Loan Depot contacting me on re-financing XXXX of my properties. XXXX property in XXXX and the other property in XXXX. With the information they provided that my property in XXXX qualify to re-fiance thru the HARP program I proceeded to start the process. I was told that no appraisal will be required for my property in XXXX. Well on XXXX XXXX, 2016 I received a call from Loan Depot changing everything on my XXXX property. I was told that the property was not going thru the HARP program and that an appraisal was require.Loan Depot lied to me by giving me false information. I 'm requesting that Loan Depot refund my appraisal charge on my California property and credit the amount of {$420.00} into my credit card. I stop the process not because I want it I stop it because Loan Depot lied to me. 
Thank you.
I was a co-signer on an auto loan purchased XX/XX/XXXX and financed through XXXX XXXX XXXX. Shortly afterwards XX/XX/XXXX Tropical Storm XXXX came through XXXX and flooded the vehicle. The owner was paying the car note but failed to maintain full coverage insurance on the vehicle because it was not being driven and he was going through a temporary hardship, however the car note never failed to be paid. Unfortunately the vehicle was flood during this catastrophic flooding that affected the entire XXXX area and with no insurance the vehicle was picked up by XXXX XXXX XXXX and sold. Years past and that vehicle sat on my credit report for 7 years. XX/XX/XXXX I had a hardship and I filed for Chapter XXXX Bankruptcy when I started my bankruptcy this was not listed on my original credit report pulled by my attorney, therefore it was not listed under my secured payments to be made, however I have just found out that after 10 years this collection company Cavalry Portfolio Services LLC purchased the debt from XXXX XXXX XXXX submitted a claim against my bankruptcy and has been receiving payments. From my understanding as a Co-Signer on the original loan they should not be attempting to collect in my bankruptcy Chapter XXXX. Also this non government collection is over 15 years old. I have called the collection agency and no one will speak to me or assist me in answering my questions. I get attitudes from management and they talk to me as if I ca n't do anything about this and then they hang the phone up in my face. I have heard chuckles in the background when I call as if I am a joke and who cares. I need help please. I wholeheartedly believe based on all the rules and laws I have read about my bankruptcy this company has broken the law. They have missed the statue of limitation for suit, why is it that they can claim against my bankruptcy after so many years and still remain on my credit report. Even the attachment I have included stated that they will not report to credit agencies however they are reporting to Credit Bureaus ... ... .Please, Please Help Me.
ive asked Experian to delete incorrectly reporting information as well as out-dated information which they have not removed, due to their negleigance Ive been denied housing as well as employment opportunities.They 've claimed to have verirfied such accounts by certified account, which I did not receive the proof to cross examine myself there are out-dated school accounts reporting incorrectly as well. Experian continue to ignore my request to correct the information they're reporting.
i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} Citi Bank - {$6600.00} Citi Bank - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
I would like to file a complaint against Credit Acceptance. Their collection practices are unfair, and feel like bullying. I am 3 days late ( due to hospital stay and the way payday fell ). It is XXXX XXXX. and they have already called me 7 times. I realize I am high risk or I would not have had to use this company, but I do not feel they should call more than once or maximum twice a day. The reps are very invasive, wanting to know how much your check was and why it was short. Please advise what I can do. I am to the point of wanting to find a lawyer if they don't stop.
I took a leaser from Nissan motor acceptance corp in 2006. XXXX XXXX and I agreed to a 36 month lease with me XXXX/XXXX/2006. 
XXXX Dealer XXXX lied and deceived me wrote the contract at 42 months and did not notify they changed the terms based on what we agreed to verbally. Even though I only agreed to 36 months at {$430.00}. I paid all 42 months and they told me when I moved to XXXX XXXX forced me to double pay upfront taxes I had already paid at the beginning of the loan and now pay {$560.00} per month which was not in my written contract. I was over charged and lied to on this loan. Then after I returned the leased vehicle in perfect condition and they said i didnt owe anything. They have wrote me up on the credit bureaus as a charge off. Then they have continued to lie and give the credit bureaus wrong information dates that are wrong and more recent so the debt stays on my credit report. 
This company has lied to me, over charged me, lied to the credit bureaus, sent incorrect information to keep a debt on my credit report which has costs me thousands of dollars and effected my ability to rent apartments and get credit. I paid was was agreed and more they lied and continue to deceive the credit agencies to try and collect money they are not owed and seriously negatively affecting my credit for over 5 years. Please contact this company and make sure that delete this charged off debt I have never owed off my credit report. 
I also want to be paid back all the money i over paid in tax on this loan. I never owed them money. they owe me money. Also this debt is out side of the statue of limitations nissan keeps lying about the dates to keep the debt on my report. That is very wrong and illegal.
On XXXX XXXX, XXXX I took out a payday loan in the amount of {$230.00}. It is now XXXX XXXX and I am still struggling to make the payment. I informed the company that I am going a serious financial hardship. They did n't really give me much time to make the payment. Since then I currently have a balance of {$310.00}, which is even more challenging. On XXXX XXXX I informed them that I can pay {$150.00} towards it but due to a recent XXXX  in the family I was not able to make the payment and they did not show any remorse or understanding.
Called me at XXXX on severeal ocassions. Calling repeatedly while i am at work between XXXX & XXXX eastern standard time.
XXXX Date of Last Payment, Date of Last Activity is still not being reported after their investigation. Account was also not validated, no copies of signed contract and no payment history. 
CRA 611-15 USC 1681 5 ( A ) 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 promptly DELETE that item of of information from the file
In XXXX of 2016 I started a XXXX loan modification process with Nationstar Mortgage. When the final papers were drawn up they were inaccurate. They stated I was involved in active bankruptcy proceedings, which I am not, and that the beginning balance of my loan was XXXX, which it was n't. When XXXX XXXX transferred my loan to Nationstar my balance was XXXX with XXXX in escrow for taxes and insurance. I highlighted and corrected the errors and faxed the documents to Nationstar on XXXX XXXX, 2016 and they said they would look into it. Since that time I received a letter stating that my beginning balance was actually XXXX and was sent " amended '' paperwork to sign to finalize my modification and they were the same, and had not been corrected. I called and was reassured they would take care of it, which they have not done and they continue to robocall me morning and night and when I talk to the representative they are not aware that I am the XXXX waiting for them to correct their mistake. In the meantime I have made all my trial and modified mortgage payments on time. My XXXX counselor suggested I file this complaint.
I dispute the XXXX XXXX XXXX account several times. They continue to collect on a account included in Bk case XXXX chpt XXXX and even fax bk docs from my attorney but the will not update my credit report correctly. Talked to XXXX XXXX a collection rep who stated yes we put your file in bk but still can collect. Which is against the law. I want my trade lines reported accurately per FCRA or delete the file.
Equifax still has an error listed on my report, I disputed and no one ever even contacted the creditor. I called XXXX and the payment was deferred the due date. This account was never past due and Equifax has it listed past due.
They reported me after they said they had made the mistake of charging me and that it would n't go against me.
There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate. 

Why do I need to have them update when the bureaus should do the investigating? 

Next, I have called the companies and have sent letter already attempting to verify the information. 

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
I was a victim of identity theft and this account needs to be removed asap this account is fraudulent and continued attempts to collect is harrasment please help me in getting this resolved.
I am a victim of identity theft and theres hard inquiries that are not mines and i been calling all the credit companys for them to take it out to take it of my credit and no body take it out so i need to take it out and asking or ur help because this situation is affecting my credit and there are n't mines thanks any information you need you contac me by email XXXXXXXXXXXX thanks
XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}
Upon Viewing my new monitoring services i noticed an account not belonging to me from company GENTRY FINANCE. This account does not belong to me and is fraudulent I am a victim of identity theft and it has been reported.
To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following  inquiries off my report. 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 XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above
Hello, I have attempted to contact Midwest Recovery Systems ( located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX ) twice but the company has refused to respond. This company has reported a negative collection account for {$610.00} to all three bureaus. I have no knowledge of this debt or the company and I certainly did not sign any agreements with them. Prior to the appearance of this debt on my credit reports, Midwest Recovery never contacted me or sent a notice of my right to dispute. The company did not send any documents to me, simply placed an inquiry and reported a negative collection account. 

I last attempted to dispute this debt directly with this company by requesting a debt validation via certified mail and the company received it in their office on XX/XX/2018. To date, I have not received any correspondence from their office and I have given this company ample time to respond to multiple requests asking for validation of this debt. In this case, I would like for this company to delete the and cease reporting.
My account was hacked by someone. The person cloned my ATM card and used it to withdraw {$400.00}. I reported it and Citibank gave me the money conditionally and did and investigation. They never looked at the ATM video but decided twice that they did n't believe it was fraud. I was 30 miles away at time but even while I provided a work time sheet stating that was in XXXX XXXX at the time the transaction was being made, they still did not believe me. They have taken my money but admitted that they did n't look at the ATM video, I even filed a police report and faxed it to Citibank. 

I had to file a third dispute and they have still left my account negative.
I have received multiple mailings and phone call ( s ) from First National Collection Bureau about a debt and have informed them over the phone and in writing to contact my attorney numerous times. Most recently I sent them a certified letter which I have receipt of being delivered on XX/XX/2018. 

As you can see from my incoming XXXX phone log a phone call was again received on XX/XX/XXXX from First National Collection Bureau. I informed them I had receipt of my certified letter informing them that I had retained an attorney years ago and that he should be contacted and I would contact the FTC, BBB and my WA State Attorney Office.
Went online to freeze my credit information with Experian on Saturday, XX/XX/2018 and after entering all the correct information was not able to freeze my credit information with Experian online. Experian website shows that they were not able to freeze my account based on the information I entered, and requires I send all of the same information along with copies of my licence and bank statements by certified mail. I made screen copies of all the information Experian required online and my answers to these questions as proof that I entered the correct information to freeze my Experian credit report.
In XXXX XXXX I took out a title loan in XXXX CA. I received {$2500.00} cash and had a XXXX payment on the XXXX and XXXX of each month. I made 4 payments on time and then fell behind. XXXX XXXX XXXX I sent them XXXX. Today, XXXX XXXX, XXXX they came to my house and towed my car way. They want another XXXX plus XXXX for the towing cost. 

I did n't receive anything in writing, and was called with only messages to call them back. I think it 's wrong that I paid the entire loan amount but still owe over 1000.00 in their fees and now they tow my car.
In XXXX of 2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

I have attached a few of these statements that I mentioned. Note the dates and what I " owed ''. You can see, how confusing this was. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.
It's been more than two decades and credits score not improving, most of the collection that ruin my reputation are all accusing me but in fact the fault falls under the company that issue the credits to me, for example, XXXX was selling products without a details information on the cost for the items ( 3 ) cellular, and billing was way above the cost of one cell phone ; another example is XXXX XXXX XXXX - charge me for leasing a cellular phone for almost 2K and this phone value was one {$300.00} or less, doesn't make sense how these people are putting people who are trying to find better life and other people are ruing their reputation due to " corruption '' in private businesses ... thank you.
I received a 3 letters from seasoms & rogers, P, A, ATTORNEY AT LAW 0N XXXX XXXX, 2017 they are saying that i owed to XXXX XXXX XXXX {$9.00} XXXX county case no. XXXX XXXX {$1500.00} XXXX county case no XXXX XXXX {$9600.00} XXXX county case no XXXX XXXX but, this account have been removed all from my credit report and from credit bureau because they were WERE NOT my accounts so the credit bureau removed them all they are no longer in my credit report but this company sessom ragers still harassing me and keep sending this letter with the police come knock on my my door all the time keeping sending me this letter all the time and they got my last four number of my social number but not all my social security of it so everything with company it is a wrong doing to my life i do not owed that is not my and i want this company to removed my name from their office i am not having anything to do with all this charges are not my they do not have all my social number they have only provide me last four number only i want this company to stop harassing me now.