WillisBack/dataset-financial-user-claim huggingface dataset:
There is a child support collection account in my credit reports that should not be there. Its showing I owe XXXX XXXX XXXX XXXX XXXX {$350.00}. I askes fir validation and verification from human services as well as all the credit bureaus. I called human services and they could not tell me why my child support is behind. Support has been coming directly from my check every pay period.
In XX/XX/2016 I pulled my credit report to find XXXX hard credit inquiries on my credit report that did not belong there. A certified letter to all XXXX credit agencies was sent requesting the removal of the inaccurate information on my credit report. The first letter was the same as the second letter. They stated that they will not remove these inquiries and that I needed to contact each individual company and have them remove it. Per the FCRA statutes, the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. None of these things apply to me. The request to remove inquiries was sent to all XXXX CB 's twice and the same response was given
Fraud charge on credit card for product never received. 
BarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXX
I never attended college in XX/XX/XXXXso I do not understand these late payments. I never received any bills or statements.
In light of the recent Fraud and Schemes that have been reported in the news concerning Wells Fargo Bank, in whom I do bank with, I have grown very suspicious of two recent things concerning Wells Fargo. First my log on password was suspended for no apparent reason, Second ; I received a refund Cashier 's Check dated XXXX/XXXX/2016 in the amount of {$12.00}. Check number XXXX. The letter stated it was a refund from a loan. Loan # XXXX. The odd and suspicious thing is that I do not recall or have knowledge of this loan. I am very concerned that my identity, account, and privacy has been compromised. I called Wells Fargo today, and could not get a straight answer to any of my questions. I would very much like to know what is going on, and what can I do to protect myself. If you may assist me in anyway, I would greatly appreciate it. Thank you.
Chase XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} and shows XXXX $ then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.
Experian Credit Bureau charged {$21.00} on XXXX/XXXX/16 and {$39.00} XXXX/XXXX/2016 to my XXXX XXXX XXXX. This is excessive charges that I would like to dispute.
My husband and I were in an active Chapter XXXX Bankruptcy which was discharged on XXXX XXXX, 2015. Shortly thereafter, we started making payments to our mortgage lender, OCWEN ( copy of payment history attached ). We recently started trying to refinance to get away from this lender and found that they are reporting us 90 days past due from XXXX 2015. When I pulled the payment history on their website, I found that they appeared to be putting our payments in a " suspense '' status because they thought we were still in an active bankruptcy, which we were not. I argued and argued with them about this way back when and did not know until now that they reported us past due.
I filed for a chap XXXX in 2008 in which the lawyer ripped me off and even though I had n't had any continued dealings with the Lawyer, the proceedings continued resulting in a dismissed Chap XXXX. I admit I lacked education at this time and did n't know I would be haunted years later even at just the attempt to file and be robbed for XXXX. I have disputed this item for several years and still Equifax reports this years later regardless of Section 1681 ( a ) ( 5 ) of The FCRA which mentions nothing suggesting this to be reported continuously for ten years
I have a negative balance of {$800.00} in my student loan account. XXXX XXXX owes this money to me. It refuses to provide it. Please intervene in order that my funds are properly refunded.
I 've attached a PDF that explains what I 've attempted to have removed from the XXXX credit bureaus. My XXXX frustration and complaint is the inconsistency of reporting between the XXXX bureaus.My XXXX frustration and complaint is the inability to remove someone else 's public record ( Judgement ) that is on XXXX of XXXX of my reports. My final frustration and complaint is the fact that there are multiple levels of credit reporting and scoring ( consumer and industry ) that are only available to industries such as Mortgage, Credit Cards, and Auto. These industry level credit reports vary greatly from the consumer reporting and scoring. And they are fraught with errors greater than the consumer reports. In my case the mortgage credit report has scores 25 % lower than my consumer report and the XXXX public records on my consumer report are duplicated to show XXXX public records on the mortgage report. XXXX has someone else 's address and refuses to correct it to my address and they have XXXX public records that have {$0.00} as the amount ... yet they refuse to remove. These public records are explained in the PDF I 've uploaded to you and they need to be removed ASAP. XXXX has removed the judgement XXXX XXXX of XXXX public records ). Experian also refuses to remove the XXXX public records. The only good news is that on my consumer reports a XXXX lien of {$120.00} was removed by all three consumer reports BUT is present on my Mortgage report ( All XXXX Bureaus ). In other words, the XXXX bureaus remove the {$120.00} lien that was in error, but kept them on the mortgage reporting and scoring!! So, in conclusion I see no purpose or value to the consumer reporting and scoring since the lenders, be it auto, mortgage or credit card, have significantly different scores and reports from the same XXXX bureaus ... and removing from the consumer products does n't guarantee removal from the industry product. This is so unfair on every level. And the consumer has no access or ability to contest or correct the industry level credit reports or scores!! Government needs to simplify and create an oversight department that governs them and keeps them honest. Please read my PDF and help me. After 37 years as a XXXX I 'm prohibited from getting a mortgage due to errors on my consumer reports and inequalities with errors on my industry reports with with only foreigners and non-US citizen to deal with over the phone and via mail/fax. That 's the strangest twist of this entire story. People outside of the USA are making decisions for US Citizen 's credit woes!!!!
On XX/XX/XXXX I received the first phone call from XXXX. The caller identified them self as calling from Commonwealth Financial. I advised I do not have any business with Commonwealth Financial.  The caller hung up. I returned the phone call asking to speak with a manager. I advised I do not have business with them and to stop calling my cell phone. Agent hung up. 
On XX/XX/XXXX I received another phone call XXXX. The caller again identified from Commonwealth Financial calling about a business matter. I advised the caller I do not have any business matters with them. I asked the caller to stop calling my cell phone. The caller hung up. I called the # on their website XXXX and the answering party hung up when I asked to have my cell phone number removed from calls. 

I went on their website in an attempt to see if any " accounts '' exist. They have a look-up system. Based on their search criteria, I do not have an account with them.
I have had nothing but frustration with XXXX but on XXXX XXXX, 2016 I attempted to use the online payment system to pay my mortgage. The system said my loan information could not be processed. I contacted XXXX this morning, XXXX XXXX, 2016 via telephone and was informed that as of XXXX XXXX, 2016 my loan has been transferred to Loan Care, LLC. I asked XXXX when and how they notified me of this. They had no record of when the letter was sent, they just claimed they would have sent a letter 30-45 days in advance. I have received absolutely nothing relating to this from either mortgage company. I was given a phone number for Loan Care, LLC but there is no way to speak with a representative to obtain my new account number. Again, absolutely no notice, and no information from EITHER company. I very carefully check my mail and have a locked mailbox. They have no record of the letter that was supposedly sent.
XXXX  will not remove XXXX XXXX XXXX from my credit report. Charges are not mine and or fraudulent. 


Experian will not re-investigate fraudulent charges on my credit report that are not mine.I thought the law stated that credit reporting agencies had to investigate if a request is made. 

XXXX XXXX XXXX XXXX XXXX XXXX
Portfolio Recovery is 100 % re-aging a very old debt in violation of Federal Law and they're continually reporting this to all credit bureaus.
I opened a new citigold checking account around XXXX XXXX of 2016 using a promotion code XXXX upon which I was to receive XXXX XXXX XXXX rewards points upon completing certain requirements. I received confirmation twice that I was successfully enrolled in the promotion and after completing all the requirements I received confirmation from a XXXX XXXX dated XXXX/XXXX/2016 at citibank confirming not only was I enrolled in the promotion but also that I had completed successfully every requirement to obtain the bonus miles. I was told they should post by statement close XXXX/XXXX/2016. When they had not posted by XXXX/XXXX/2016 I emailed customer service following up on the matter and to my dismay they contradicted all prior information stating I was not eligible for this promotion ( even though they gladly accepted my money and confirmed that I was enrolled in the promotion and had completed all requirements ). This is unfair practice and I would like the bonus miles that I was confirmed I qualified for, especially considering the fact that they have now taken {$90.00} in monthly service fees out of my account. Please help me get Citibank to stand up and honor their word. They should be required to honor all promotions that they allow consumers to sign up for and participate in.
THIS IN REGARDS TO THE 2ND MORTGAGE WITH COASTAL FINANCIAL IN NEW JERSEY, XXXX IS MY PRIMARY MORTGAGE AND I AM CURRENT WITH THEM. 

COASTAL FINANCIAL IS TRYING TO FORECLOSE ON THE PROPERTY, I BELIEVE THEY HAVE SOLD THE LOAN TO XXXX XXXX IN XXXX, NJ. I HAVE BEEN TRYING TO GET THEM TO MODIFY THE LOAN AND HAVE NOT BEEN SUCCESSFUL. THIS COMPANY DOES NOT DO ANY TYPE OF LOAN MODIFICATION APPLICATION, ONLY A VERBAL WITHOUT OBTAINING ANY FINANCIAL AFFIDAVIT. THEY EXPECT A LARGE DEPOSIT TO BE MADE, FOR INSTANCE I WAS TOLD TO PAY ABOUT {$3900.00}, THEN WITHIN A FEW WEEKS ( AFTER I HAD XXXX AND COULD NOT MAKE THE {$3900.00} DEPOSIT ) IT WENT {$6100.00} WHICH I THEN MADE. A CONTRACT WAS THEN DRAFTED BY THEM AND I DID NOT AGREE TO THE TERMS, BECAUSE THEY WANTED AN ADDITIONAL {$8800.00} ON TOP OF THE {$6100.00} TO CONTINUE WITH THE MODIFICATION. I BELIEVE SOME HOW THESE PEOPLE ARE TRYING TO RIP ME OFF. I DID GET MY {$6100.00} BACK WHEN I REFUSED TO GIVE THE ADDITIONAL {$8800.00}, NOW THEY ARE MOVING FORWARD AGAIN WITH THE FORECLOSURE. I NEED HELP, THESE PEOPLE ARE TRYING TO STEAL MY HOME.
About 6 years ago I XXXX and was charged {$240.00} in co-payments for all the medical procedures. I paid off the debt when I could about a year later with the agreement that West Asset Management will completely remove it from my credit reports. They have not done that still, and it is now 2016. They were also not forthcoming on proving that I actually owed the debt, as I thought I had paid XXXX the entire time. They stated they had no requirement to do that, which I know is against the law. I would like them to verify the debt if they can, and honor the agreement they made to remove the false reports. Furthermore, I would like them to note that the debt stem from the same nucleas of operative fact and are not indeed {$90.00} and {$150.00} collections, but a single debt.
I have two hard inquiries on my credit report that I did not apply for any type of loan this is a mixed file of some sort please remove 1. XXXX XXXX XXXX from XX/XX/2017 2. XXXX XXXX Inquiry fromXX/XX/2017
I heard a radio ad for getting a 15 year mortgage loan for 2.5 % with NO costs from CASH CALL company here in California. I applied because I had a very high fico score and good income. I was told that I was accepted for a loan. I filled out all the documents and submitted all the documents as required. I was told that I was approved for a loan. Loan documents were submitted to me for signing in front of their notary and the process was completed. I waited to hear from the company and did not hear back. I finally requested to hear a reason and they said that when they did a " FINAL '' review that I had just missed the cutoff for qualifying for the loan. They offerred to do a loan at a higher rate. I told them no way. They said they had the right to not give me a loan based on the " final '' review. I explained that they had made some mistakes not in my favor and that I should have gotten the loan. I told them they wasted my time and that I missed the window to get a great rate because of them. They were the ones that had said I was approved and I deserved the loan as I did everythiung they asked and had CONCLUDED with an official signing of the loan docs which in my book meant the loan was done and completed. They disagreed. I have resented this situation since that time. I was told recently by a loan broker that once the loan was signed that as long as I did everything correctly which I did they had to give me the loan and that their refusal is actually illegal and that they must make good on the loan.
Hello, my name is XXXX XXXX. This is part of complaint # XXXX. 
My complaint is actually regarding Ocwen and XXXX XXXX, Ocwen for slandering my credit since XXXX and preventing me from aquiring an auto loan, high insurance rates and lowered Fico score. Ocwen has offered no information regarding the source of the {$99000.00} debt that was reported as LATE on XXXX report and UNKNOWN payment status on another. XXXX account number ( XXXX I have never seen nor has any relation to a loan or credit card ) and XXXX reports ... XXXX for a credit card and XXXX for a real estate loan. I asked for the proof and received nothing except that this was acquired by another debt collector in XXXX. I want to know who the original creditor was and an explanation for this balance. I have damages from this, I did not scroll far enough down on my reports last year to view this unfortunately. 
I have no idea where they came up with a XXXX balance. I assume it has something to do with a deficiency balance, however, all was discharged in bankruptcy in XXXX. Also, I was never at any time aware of any {$99000.00} debt nor contacted at all. My property was in Arizona, it was a non judicial foreclosure and deficiencies are not allowed with the type of property I had. Ocwen had no business in this continuation of harm. Enough is enough and if they are doing this to me I think many people need to be warned so they can check their reports. Please stop these barnacles. 
I will file another complaint regarding XXXX XXXX, I think it is more efficient to separate them although they are related. Thank you.
Hi, I am contacting you as my mortgage company ( Cardinal Financial ) is engaging in fraud and trying to make me over insure my house, which is illegal. We have paid our insurances to the requirement specified ( cost of dwelling XXXX ) and our mortgage company says we need more coverage ( cost of loan amount approx 357K ). After many phone calls we now understand that Cardinal wants the term replacement cost guarantee in the phrasing of the insurance coverage, which our insurer thought odd and had never done before. XXXX XXXX at Cardinal Financial explained this to us after a long, terse conversation. 
XXXX says I have 7 to 10 days to hand this new insurance information to Cardinal or they will force buy more insurance and cost me more money despite paying for the insurance already. 
We have sent in this required documentation, yet I am concerned as Cardinal seems to be trying to change terms and force me out of my chosen insurer into a more costly one of their choice. This attempt at insurance fraud in addition to swindling us via higher insurance of their chosen carrier has me concerned about this despicable company who I am stuck with.
Unifund CCR Partners put a hold of {$5000.00} on my checking account. I never received anything in the mail in regards to this debt. They state I owe {$11000.00}, I do not have any debt, have not had a credit card since 2002. Nothing shows up in my credit report. 
I am XXXX yr old man, on SS and workers comp. The bank XXXX, let this happen as well. I have my SS and XXXX direct deposited to my account. Both XXXX and Unifund are in the wrong. This was done on a Friday and I am not able to do anything until Monday. This is causing me stress as I am on a fixed income. 
I am taking legal action for this illegal practice. How can a company put a hold on money without proper notification. I never received a summons.
My complaint is with XXXX XXXX XXXX. They bought our loan 3+ years ago, and are servicing the mortgage. In XX/XX/XXXX, an Escrow adjustment was made, and an additional amount ( $ XXXX ) to escrow was needed. I made the XX/XX/XXXX payment ( {$2600.00} ) manually and electronically. The XX/XX/XXXX payment however, was short the additional amount of escrow ( my bank sent {$2500.00} ... the previous amount ). The funds were left " unapplied '' and kept by the mortgage company for a month ( until the next payment request ). The mortgage company did NOT send us notice of the delinquency until the next month ( XX/XX/XXXX ) payment notice. 
I talked to the mortgage company and made an additional payment to the escrow account XX/XX/18 ( electronically ). I asked that they do not report the late [ payment, as they did not follow the protocols for applying payments. As I understand the protocol, a payment should be applied to the Principal and Interest first ( a fixed amount ), and then the Escrow fund ( a fluid amount ), unless notice is given that the payment will not be applied. My real estate attorney concurs. The mortgage company said that any payment that is not for the entire amount will be deemed unapplied, notice or not. The mortgage company ignored my request and declared the mortgage payment late to the credit bureaus. 
This is unjust and unfair as it does not follow the terms and practices of the mortgage we bought, or the protocols of the Consumer Protection Act, as we understand them.
On XX/XX/XXXX I made a monthly payment to BMW financial services for my XXXX BMW XXXX in the amount of {$500.00} though the BMW customer account website. The money was drawn directly from my bank account on XX/XX/XXXX. On XX/XX/XXXX BMW financial services illegally drafted additional funds from my bank account in the amount of {$560.00} and applied it to my BMW account, that money cleared my bank account on XX/XX/XXXX. I did not authorize this transaction. I I have spoken to numerous supervisers with BMW financial services Advising them of the overpayment for this month and requesting a refund. I have faxed and emailed information from my bank showing both transaction cleared my bank account. I spoke with XXXX XXXX ( manager ) XXXX XXXX ( customer service advocate ) and received an email from XXXX XXXX XXXX ( chief operating officer ).  As of today XX/XX/XXXX I have not received a refund. I have never made a late payment or had funds returned and I am upset that the managers all refuse to return my overpayment amount that they illegally obtained.
XXXX and XXXX credit bureau is reporting this information on my credit file that it has been late payment but that cant provide me with support documents showing this acct has be late per Fair Credit Reporting Act Section 609
XX/XX/2018. I realize I was misquoted by XXXX XXXX and since XX/XX/2018 I have reached out on numerous occasions to rectify the issue. I was told the process could take anywhere from a couple weeks that turn into now 20 days to process. We have now gone past that timeline and I still have not been told anything of my {$500.00} credit being returned to me via mail or put back into my account
Equifax continues to report wrong information on my credit report. I have called, done online disputes, chats, sent them notices in writing. The other 2 XXXX and XXXX have corrected the issues but equifax refuses to.
I had a vehicle financed through XXXX in XX/XX/XXXX. XXXX charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid XXXX {$5200.00} in the total loss settlement and XXXX released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet XXXX is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.
Please see attached lawsuit and first amended complaint. Please remove the derogatory items off of my credit report. 

Continuing to report these items can be seen as willful non-compliance. XXXX
when i checked my credit report i found a hard inquiry from XXXX XXXX inquiry dated X-X-2018.. I did not make any kind of report for them ... I did not know XXXX was sitll in business ... could you check this out and let me know what is going on? thank you .XXXX XXXX XXXX
I have a private loan with Navient. I am trying to pay my loan ; however, I do not currently have the income to make the entire payment. I have been trying to get the payment reduced for almost a year now, but they will not allow it. The only option I am given is to pay {$100.00} to put the loan in forbearance for one month. However, their " sister '' company has a program in place to allow you to pay based on your income, which is much more reasonable. I do n't understand why Navient would not have a similar option available, especially in an economy such as ours. It is understandable that people are not able to pay there loans in the amount they are demanding. They should by law have to offer more payment options so that you can pay your bill and not have your credit negatively affected. This process seems unfair and in many ways illegal. I am hoping something can be done about it. I really someone to help me on this matter. Thank you.