WillisBack/dataset-financial-user-claim huggingface dataset:
I, XXXX XXXX, got a mortgage through XXXX on XX/XX/XXXX. I was paying my payment on time till XX/XX/XXXX. My financial situation got changed when I lost my job after my youngest son got into XXXX while he was playing XXXX game on or about XX/XX/XXXX, he still is going through treatment. 
I got job here and there but none of them was permanent. I could just bring the food to the table for the family of XXXX. I fell behind on my mortgage payments ; I was a single earning member of the family with my wife, XXXX kids, and elderly parents with loss of income because I got lay-off on XX/XX/XXXX. It was hard for me to keep with expenses. In the past we never had financial problems. There are so many expenses and managing a home and family of XXXX is hard. I exhausted all of my saving during the hard time that my family and I went through. 
Now, I got permanent job with good income. I am behind of my mortgage and also my income is not enough to pay all back payments which Bayview is asking to do so. As a result, I requested loan modification but Bayview denied my request and advised me to sell the property because there is some equity on it. I did purchased my home about 10 years ago. I put {$120000.00} which was all my family and I life saving as down payment toward the purchase of our home to be our permanent home and raise our children and take care of my elderly parents, I did n't purchase it to live for while then quit. I can not afford to lose my home. I am reaching you out to help me to keep my home which is only our investment and place to keep my family together. I am working hard to take care of my family as well as pay my obligations on time. Being father of XXXX children, husband, and only son of my old parents has huge responsibility on me and I am not ready to lose our only investment after years of education and working hard with a family of XXXX, which is our home. I can not afford to lose my home and have my family on moving truck from rental home to another. I am requesting Bayview to reconsider my situation and accept my loan modification request and offer me a reasonable payment plan or refinance my loan. Bayview asked me to pay over {$90000.00} unpaid mortgage to re-instead my loan then take my loan to another lender to refinance it. Bayview knows no any other lender will accept my application for refinancing because I already have late mortgage in my credit report.
I 've sent this company proof of the insurance I had at the time of this debt as well as proof of my proof of XXXX yet the company continues aggressive collections
They put that I was late and I was never late, the car loan was refinanced and the other bank pay in full and on time. 
Incorrect Item : Creditor : WORLD OMNI FINANCIAL Account : XXXX Reason : Never late. Please correct the incorrect reporting on XX/XX/2015
I am a victim of What I now know as a " BUY HERE PAY HERE '' scam. In XXXX, I paid a {$2500.00} down payment in purchase of a XXXX XXXX XXXX car from XXXX. Signed all the documents with the agreement that I 've been financed in house ( Meaning there is no third party financing involved ). I made on time payments of $ XXXX monthly to XXXX as stated in the attached agreement. 
To my surprise MID ATLANTIC FINANCE bought the loan from XXXX without my consent or knowledge. ( This is common practice with MID ATLANTIC FINANCE as I found out in several online complaints ). 
I contacted XXXX and the owner stated " they will receive payments from you for now ''. 
I made payments to Mid Atlantic finance monthly, and still got payment reminders to be sent to XXXX. Very confusing. A couple of late payments were as a result of this inconsistencies. 
However, on XXXX XXXX XXXX, I was in a car wreck and the automobile was no longer drivable. I contacted XXXX and notified the owner of the accident. 
The balance of {$2500.00} cash was paid to an employee of XXXX who usually receives payments. 
I got a call from Mid Atlantic finance about an outstanding pay off amount. I explained to the representative that it was paid to XXXX to which she said it was okay. 
To my surprise, this negative item remains on my credit report as an unpaid balance. 
This is not accurate and is damaging my credit file. I THEREFORE DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT FILE More importantly, the transference of my account to a third party for profit without my consent is a breach of my initial agreement with XXXX.
I was not properly notified, by Midland funding LLC/Midland Credit Management INC, in Michigan, they went through a third party. Illegally placed a garnishment on my credit report to garnish my federal income taxes and the account is currently occurring interest. Lack of verification that this debt was assigned or sold to collector. Lack of verification that this debt was assigned or sold to more than one collector. Midland Funding LLC has multiple class action lawsuits pending due to unfair debt collection practices.
I recently requested for the PMI to be removed from my loan. DiTech is lender agreed to remove the PMI in XX/XX/2017. My issue is that the PMI should have been removed automatically years ago. I 've owned the house for 10 years. DiTech tells me the initial loan agreement was to remove the PMI in XX/XX/2017. I asked for the documents stating such agreement and they tell me that they ca n't give me that information. The PMI should have been removed years ago.
The  XXXX   XXXX  failed to pay bills as required and or help get this off my credit report and denied a loan request based in part for the denial, until they did n't pay the bills from bill pay did the problems I had these accounts when I joined the credit union and the approved  XXXX  loans and at that time they was none issue. As of todays date they still not paying bills on time as agreed.
I previously disputed a creditors account with Transunion. I was first alerted to this delinquent account from " XXXX XXXX '' when I received an email from a credit monitoring service i subscribe to called XXXX XXXX, they alert you to any changes on your credit report. I immediately called on XXXX/XXXX/2016 the creditor " XXXX XXXX '' and asked for an explanation as to why this account was on my report, they could not give me any reason. I then asked for the information verifying the debt to be sent to me and to and to this date have received nothing. Below is an except I have copied directly from the CFPB website. 
" If the debt collector does n't provide that information in the first contact with you, it is required to send you a written notice including that information within five days after contacting you '' To reiterate I have not received any information from this company. Transunion states they verified the debt which I find highly impossible considering I was never sent information backing this claim. Please delete the account " XXXX '' from my credit report. Thank you
I 've been trying to get TransUnion to remove the public record on my account removed because they ca n't verify the address. The XXXX issue is was whenfinished their initial investigation and I requested a re-investigation. I then requested the manner in which they verified, name of business, person they spoke to, phone number and address. According to FCRA 609 ( a ) ( XXXX ), they had XXXX days to comply, to which they did not. After some time and a few investigations later I requested for them to verify the address, after I already researched the case number and found the address is bit mine and therefore ca n't be verified. When I asked a person on the phone how the verified the bankruptcy and they told me they called the court and verified all the information which we both know the courts do not share info with the CRAS, done third party company does. They led already now they continue to carry out actions to support their immoral and unjust behaviors. Please remind them of my rights as a consumer and push them to remove this Public Record. live already cost me XXXX of dollars due to the interest-rate on my house in my car and I am not willing to go any further with this incorrect information on my file. If they do n't remove this I 'm going to be forced to take them to small claims to recover the monies this debacle is choosing me. Thank you very much and XXXX bless you.
The following accounts do not belong to me, and in accordance to the FCRA if consumer is not provided with physical documentation then them accounts should be removed. The following accounts are, 1 ) XXXX XXXX XXXX {$740.00}, ( 2 ) XXXX  XXXX XXXX {$190.00}, {$140.00}
I filed for bankruptcy in XX/XX/XXXX and had it discharged in XX/XX/XXXX. The debt trying to be collected was from XX/XX/XXXX and included in my bankruptcy. I have mailed a certified letter to the company with proof and even disputed with XXXX and nothing is being removed. I am asking for help to remove this item. 

Company reporting it is : VIRTUOSO SOURCING GROUP Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Report Number XXXX Account Number XXXX
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
I have a loan with AMER CR ACPT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and AMER CR ACPT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.
I had an account with JCPenny, the account was not in collection or bad standing. First based on my credit my credit limit was decreased by JCPenny putting me at the top of my credit with that account. After seeing this I paid the account in full. I recently received a letter from JCPENNY stating they closed my account because of my credit score. Again I had paid the account in full and there were no adverse issues with my account with JCPENNY. I am in the process of paying accounts down and off. This is yet another blemish on my report bringing my score down.

Its very disappointing and discouraging when I am trying my best to correct my credit mistakes and creditors can railroad consumers. When I contacted JCPENNY was told they had the right at anytime to review my account and decrease or close it even if I have paid them on time. I stated its not fair and representative said she didnt make the rules.
To Whom it may concern I 've tried two time to correct my address with Experian credit bureau, unfortunately my address still called a multifamily address which is not. In fact the right address is:XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, that 's the address i would like to have with experian credit bureau, i also want to correct my phone number. The number XXXX is no longer. My new contact is XXXX. The address XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX need to be removed. I previously had a social security number ending by XXXX, this number never been used to apply for any credit or loan. I do n't understand why there is an existing file on that number, regardless that previous social security number was surrounded to the social security administration for cross reference and also the name was reversed, the date of birth appeared to be wrong. Any lenders ( XXXX XXXX, XXXX XXXX, XXXX ) did n't have the previous number because it never been used to apply credit or loan. My question to experian is how did they get this number? the only number i am using is my social security number, the current one ending by XXXX. The only way experian can have my previous social security number is in case of being misled by lenders which is not because i also spoke with XXXX XXXX, XXXX, and XXXX in order to verify my social security number, they all have my current social security number ending by XXXX. I would like to keep XXXX file, the right one with the social security number ending by XXXX. 
Thanks! 
Best regards!
There are 3 hard Inquiry on my file report on XXXX  that i have no knowledge of and never authorized. When I found out I had called each company to remove hard inquiry as I never signed anything giving anyone permission This is the list of the hard Inquiry pulls I would like removed : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
I was starting my small business in XXXX XXXX about two years ago. I ordered an XXXX computer using the Barclay credit card which offered what I thought was 2 years no interest. It turns out it was XXXX years deferred interest. This was not clear to me at the beginning nor was the amount I would end up be charged in interest if I only paid the minimum payment every month. I was n't made aware of the coming interest charge until a month before the deferred interest kicked in. The interest charge on my XXXX bill was a {$1500.00}. 

I have struggled to keep my business afloat in a tough market in XXXX of the most expensive cities in the world. I am a XXXX. My rent and expenses are a burden. Suddenly, I have been hit with a over {$1500.00} interest charge. Its a disaster for my business and for me personally. I believe the terms on these cards need to be VERY CLEARLY stated to people interested in using them or out-lawed all together. That XXXX, the most profitably company in the world, does this to small businesses and everyday consumers is a disgrace. I fully expect to pay interest on credit but this is just a dirty trick.
I am a Citibank customer and I had signed up for an offer to transfer a certain amount of money ( that is new to bank ) between XXXX XXXX 2016 and XXXX XXXX 2016 and maintain that balance through 3 statement periods after that ( XXXX XXXX 2016 in my case ). The offer was that Citibank would pay bonus interest of certain dollars to my account if I satisfied all the criteria ( within 90 days of end of statement period when I qualified for the offer ) - so they had time until end of XXXX 2016 statement period to pay me the promotional interest. 

I received confirmation from Citibank that I have satisfied all the requirements and was eligible for the bonus. But in spite of repeated follow-ups, I keep getting a response that they are investigating as to why I did not get the bonus - but no action has been taken.
Collector says I owe money for additional plumbing services. I paid the plumber in full and on time ( have receipts ). I immediately asked collector to validate the debt and to communicate only in writing. I have never paid a bill late in my life. Despite my poor finances, I offered collector {$100.00} to make the issue go away. This seems to have emboldened them. Collector reported the fake amount to credit bureaus, plunging my FICO score. If my future employer orders a pre-hire credit report, I may not get the job. I moved out of state ( to save money ) and filing legal action there would be an unmanageable hardship. Today a collector harassed the receptionist where I work.
i 'm force to pay money I do n't owe, I have money taken out of my check. I care for husband with XXXX this service has refused my notices, letters ect.
Our house sold for {$330000.00}. The appraisal came back at {$300000.00} on XX/XX/XXXX. The comps were not even close to identical with our house. The lender, both Realtors, buyers, and another lender all said this was a poor appraisal. We put together an incredible list of comps, add-ons, and even a recent appraisal of the house next door ( smaller and older, appraised for {$340000.00} ). We requested that the appraisal be raised, and were told the appraiser was on vacation, so we had to wait a week and a half. Close date had to be moved from XX/XX/XXXX to XX/XX/XXXX. When the appraiser came back, he refused to budge on the appraisal. We requested it be thrown out and have a new appraisal, which was denied as well. We now have had to push back the close date on our new home 9 hours away, and living out of a moving truck with a XXXX month old baby and XXXX  wife.
Capital One is repeatedly calling my child 's mother 's parents in an attempt to collect a debt. This is an abusive practice as the attempts to communicate with such persons as occurred more than once, they have identified from where they are calling without being expressly requested. Doing so has purported the implication that a debt is owed. The creditor has no reason to believe that I have ever resided at that property or could be found at that number. The owners of this number have reached out to me as they feel harassed by these abusive collection practices. The purposes of these calls are to defame, embarrass, and humiliate the debtor. This is damaging to my character and personal reputation in addition to causing strain in my personal relationships.
There's unknown and unauthorized inquiries on my credit report inwhich I did not consent to therefore I would like them removed immediately, and if these companies can not give me physical documentation of such then as stated within the FCRA law, the following inquiries shall be deleted/ removed. ( 1 ) XXXX  XXXX XXXX XXXX , XXXX, XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, ( 3 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, when I spoke to the XXXX XXXX she said since it was a XXXX voice that's all that matters, un acceptable excuse.
My car was repossessed by Ally Financial Inc . There was an outstanding debt on the lease in the amount of {$5900.00}. An agreement was made through their attorney, XXXX, XXXX, XXXX XXXX XXXX on XXXX/XXXX/15 to settle the outstanding debt for a lump sum of {$2000.00} which I paid on XXXX/XXXX/15. On XXXX XXXX, 2015 Ally Financial Inc. who had been paid the settlement still reported to my XXXX credit report that the account was still unpaid and past due in the amount of {$3900.00}. This erroneous reporting hurt my credit and caused monetary and emotional damage to me.
I have several credit inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN, XXXX XXXX XXXX  XXXX, XXXX, ri, XXXX XXXX XXXX XXXX, XXXX, oh, XXXX XXXX XXXX, XXXX, texas, XXXX XXXX
I am XXXX  and currently in the process of buying a home. I am new to citi card simplicity and was given a pin number to withdraw funds up to XXXX. on XX/XX/XXXX I tried to withdraw XXXX cash advance to pay for an inspection and when I tried I was not given my full amount and my card was locked. I called into customer service to see why I couldn't withdraw funds and they were having trouble verifying my identity ... I verified my security word which no one in the world should know but the person that created it but I had a new phone number after I applied my account so I wasn't able to verify my phone number because I kept giving my new phone number ... instead of them confirming anything else with me such as birthday address name ss they wanted to confirm my identity by asking for another credit cards card number. I did not feel comfortable giving out that information they then told me they would mail me a letter with a security word and when I get that letter to call back and they can unlock my account. today is XX/XX/XXXX I have not received a letter and called again and they again told me they would mail me a letter and to call back I said this was not happening I need them to take care of it today. they would not confirm the address they mailed it to which I said how am I suppose to know it was sent to the right address without you confirming. I then asked for a supervisor and they hung up on me.
Calls from this company off and on for at least XXXX years. Each time I have to prove I am not the person they are trying to contact. Each time they say they will take my number off the list only to have them calling me again a couple months later.
It's been many years trying to get credit limit with citi bank and always denied because they said the credit reports shows up high ratio on my credit cards which is not true. Spoke to XXXX the supervisor ID XXXX and asks to speak to his manager and he denied also ask for his manager name and he denied. I never missed any payment thru citi bank. I have my mortgage paid on time, my cars paid on time an excellent pay history and I just approve for an XXXX XXXX card and I still have the same limit with citi bank and always is the same issue if I try to get a credit limit.
On XX/XX/XXXX a Lawsuit was filed against me by XXXX , XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by Mandarich Law Group : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office XXXX XXXX XXXX has been contacting me regarding the same account claims from XXXX , XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The Mandarich Law Group is who to talk to, and they are unresponsive. 
In calling XXXX XXXX XXXX they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The Mandarich Law Group : Attorney XXXX XXXX or XXXX XXXX XXXX, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.
Hello, I opened online an platinum checking account with a {$400.00} promotional bonus after certain requirements are met. I have tried for a week to confirm that my account is coded correctly as I have received no confirmation of the {$400.00} bonus is attached to my account. 
1. An online inquiry sent on XX/XX/18 has gone unanswered as of XX/XX/18. 
2. A call to customer service has been met with we do not have that information.

3. A call to web account opening department has been met with we can not see that information.

4. A transfer from # 3 above to the sales department had me transferred back to # 3 above.