WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017 I leased a vehicle from XXXX XXXX XXXX in XXXX Oregon. Received a letter from the lease company dated XX/XX/XXXX stating that they were unable to issue credit due in whole or part to my credit report. 

One of the credit reporting companies listed is SageStream LLC which I have never heard of, and has my score listed over 200 points lower than the other three established credit firms. 

Since I have never heard of this company, I have not attempted to contact them since personal information is needed to access my file, and I am unwilling to share such information with someone unknown.
Sent a letter in XX/XX/XXXX to XXXX no response filed with CFPB ( complaint attached ) The company states in the first part of report they are not the company then I responded to the response sending back up ( attached ) where they are reporting, the company sends a response they will send back up to verify the debt they are referring to " insurance '' which I have no idea .... they responded to this in XX/XX/XXXX. 
Still have not rec 'd back up. pulled my report and they are still reporting. 
Not sure how in one report they company can state that is not there debt, then go on to say oh yes this is and its from XXXX an insurance that was cancelled. But no send back up but continue to report monthly ( attached ) from XXXX XXXX. 

I want this removed from my credit report immediately clearly the company does not have proper back up.
During my tour in XXXX I had several issues with XXXX XXXX housing. The move out charges that are quite expensive and often lowered once they are confronted about the discrepancy of their claim. In XXXX, I paid this move out fee, with email confirmation from a representative from the housing office confirming that we were paid in full. I also have the bank statement showing the money was paid. During the month of XXXX to XXXX I started receiving letters from a law firm requesting that I pay my debt to XXXX XXXX housing. They claim that I owed {$250.00} but provided no justification to my debt. I was unable to contact the law firm and every attempt to reach out to XXXX XXXX housing was met with silence. I did reach out to a community service rep from XXXX XXXX XXXX who claimed that she forwarded my email to the higher office but I never received any further correspondence. I sought out assistance from the legal assistance office here in XXXX who has also been unable to contact the collection firm or the housing office.
On XX/XX/XXXX i received a letter from my second mortgage company, GREENTREE, that i had been approved on my Home Equity account for a FULL PRINCIPLE FORGIVENESS due to a settlement w XXXX  XXXX XXXX and the Department of Justice. the letter went on to state " You do not need to take any further action to accept this offer. Your Home Equity account balance will " AUTOMATICALLY '' be forgiven UNLESS you call us. ( My Bankruptcy atty had been CC 'd on the letter but was never mentioned in the letter. My bankruptcy had been discharged XX/XX/XXXX .i understand i was no longer responsible personally for the debt, but this letter released the property as security for this loan. i still own this property and the first has continued to be current ) on XX/XX/XXXX i received a letter from XXXX XXXX XXXX that Ditech ( formerly Greentree ) had transferred the right to collect payments from me to XXXX XXXX XXXX ... The amount that they intend to collect is {$40000.00} the letter said to send a letter if you dispute the debt which i did. i called and spoke w XXXX XXXX and once again disputed the debt. He gave me his email sent an email XXXX so i sent another correspondence. i was afraid they might start foreclosure proceedings and i am a well known realtor in my community and the thought of reliving my name in the paper kept me up many many nights!!! i am proud to say i have been reestablishing credit. 
On XX/XX/XXXX i received another letter from XXXX XXXX XXXX that Greentree told them my attorney XXXX XXXX sent the extinguishment letter BACK and therefor the EXTINGUISHMENT WAS NOT PROCESSED!!! ( on the date of this letter the Bankruptcy had been discharged so he was no longer my attorney ... ) Greentree did not have the authority to process or not process the extinguishment. This was decided in a class action lawsuit with the DEPARTMENT OF JUSTICE! The Security Deed should have been cancelled! it has been 3 YEARS that Greentree did not abide by the ruling. i am not an attorney but it is definitely a violation of federal collection laws. i have all documentation that i will gladly send ... 
any assistance will be greatly appreciated!!!
I applied for a Capital One card during a mental illness episode and never used it until XXXX. When I did use it, I used it correctly and paid it regularly. My balance ability to use the card was increased from 300-500. Following the episode, literally the following day, I paid the card off completely. 

In XXXX, I applied for another card and was approved again for XXXX. I used that car to pay off housing debt to move into an apartment with college friends. I had a balance of XXXX when I was then released from my job with XXXX as an XXXX of XXXX. Actually, I was never XXXXXXXX XXXX XXXX, I was XXXX XXXX XXXX. 

Anyway, I still paid that card off and it was paid completely. however, to this day, they refuse to take it off my credit or compensate me for their fraudulent behavior. My credit score was steadily increasing, I have copies of my XXXX and XXXX reports dating back to XXXX when I was re-establishing my credit. 

They still refuse to fix the damage they have done. Due to their negligence, my ability to establish my entertainment legacy, agency, and business has suffered immensely. It actually almost kept me from going back to XXXX XXXX to finish my XXXX.
My partners daughter 's hospital bills were sent to collections in my name. We tried to get it fixed and nothing happened. Legally I do not have rights to her.
Issue XXXX - Please reference complaint - XXXX on the PMI. Please see the attached letter received from Everhome Mortgage acknowledging her subsequent requests to have PMI removed and a check for {$8800.00}. This was obtained when we submitted a complain to the Washington State Attorney General. 

Issue XXXX -Please see accounting showing Everhome collecting arrears and not applying any money towards principle. 

Issue XXXX - Everhome transferred the claim to a new servicer. How can they transfer an inactive MIN ( MERS number )?? Being inactive implies it is paid off. MIN XXXX - This transfer happened the same month XXXX obtained the refund for over charged PMI. A coincidence, yeah right, the bank wanted to run away from this matter. 

Issue XXXX - Assignment of the Deed of Trust was signed by XXXX XXXX acting as an Assistant Secretary of MERS, he is in fact the XXXX, so he signed the DOT over to himself creating a forgery ...
Beginning in XX/XX/2018 I requested validation of debts showing on my credit report from Portfolio Recovery ( see attach letter. ) I never received any validation of the debt from either of these collection agencies but they continue to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.
XXXX XXXXXXXX XXXX XXXX is reporting, consumer dispute 90 days late /closed. Instead of paid off.
I disputed a XXXX account that is showing on my credit report. after disputing with the collections agency they informed me that they have ceased collection and has notified the credit bureau. well the credit bureau is still reporting this unverified/ unproven negative account on my credit report.
Equifax, has been reporting items since 2012 on my credit report that do not belong to me. I have been asking them to remove these items year after year but I guess because I can not afford a lawyer they just ignore my request. I am a single mother my XXXX XXXX XXXX and this all has me stressed to the max. I have told them repeatedly that I am a victim of identity theift and they have done nothing to help me. I have sent in police reports dr reports of what this is doing to me and XXXX XXXX. I ca n't even move because of all the fraudulent credit inquires they have listed on my report which all the other agencies have removed accept equifax. I feel like my rights are being violated and they just ignore me because I do n't have a lawyer. But I plan on contacting the local news stations in the matter because it 's been yrs and I keep spending money writing them with no response to solve the problem. I want those XXXX  credit inquires removed off my report as they are fraud as well as everything else I wrote them and requested.
XXXX Bank XXXX XXXX XXXX filed suit against me I have been sending letters registered mail with return receipts for them to validate the XXXX & XXXX proof of claim that they say I owe with no response.They set the sale date for XXXX XXXX and next week XXXX XXXX a hearing is set with the court to grant the bank writ of XXXX.They have been ignoring every letter sent with no response. The total amount they say owed is $ XXXX.The Loan Servicing Company XXXX.
Country Place Mortgage has failed for the second year in a row to make timely payments from escrow for my hazard insurance, resulting in cancellation of the policy. We have been trying to rectify the situation for four days now, but leave messages with no return call, or when they do answer, feel as if we are getting the run-around. I was finally able to talk to a supervisor. She blamed it on the fact that the company switched insurance trackers in XXXX. When I asked if they swapped companies last year because it happened then, too, the system was down so she could n't check. I refused to hang up and said I would hold. She finally got back to me, though the system was still down, with the reason being the insurance company only billed for the minimum amount due. ( ..last year they never received the bill. ) They are n't able to make partial payments and must pay the full amount. They cancelled the minimum payment, and, since the bill was only for the minimum amount and they did n't know the total amount due, no payment was made. She could n't explain why we were n't contacted, just that it is n't the customer 's problem to have to deal with. I asked what would happen if disaster struck. She answered they had a blanket policy, but could n't assure me that my interests were protected with that policy or just her company 's. When I asked about last year 's issue, the excuse was that they did n't receive a bill. Before I got off the phone, she assured me a credit card payment was made on my behalf, but could n't give me a confirmation number, rather they would email me with the information. I have n't received that yet. I have done a little research and it seems that there are rules in place to make sure that timely payments are made. I interpret that to mean " on-time. '' I inquired about what I could do to be responsible for the payment myself, but she informed me that, per my loan, that is n't allowed. What can I do to make sure this does n't continue to happen? To make sure that my property is protected in these types of instances?
I sent a dispute letter to XXXX asking them to provide proof about inaccurate information on my report and asked them to verify and provide proof that these accounts are accurate and belong to me and the only thing I got back was verified. They stated they verified my accounts including a bankrutcy but when I requested the source of the verification, they ignored me. They are in direct violation of the FCRA they says they are to provide non-third party proof or delete. So XXXX lied in a legal document to me and violated the FCRA and I want all my disputed items deleted and updated at once! 
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Falsely created account and false amount owed ... to collection agency " XXXX '' ... 
XX/XX/XXXX..received letter from " XXXX '' stating the amount owed is the correct amount ... this is not true, since " XXXX XXXX '' received payments of {$6600.00} and {$5100.00} in XX/XX/XXXX.
We are trying to Refinace our mortgage with our bank in our home town, and Beneficial ( my current mortgage holder ) will not produce the proper papers to show payment history. We have been fighting with this company for years and requested this paper work on XX/XX/XXXX. Had a conference call with them yesterday XXXX XXXX were they told us and the XXXX XXXX XXXX bank collector that in XX/XX/XXXX, we missed XXXX payments! There is only XXXX months in a year ... But then they said for XXXX months all of our payments were past XXXX days late! Th n it was said again by beneficial that it was because we were in bankruptcy ( our mortgage was NEVER in the bankruptcy, we continued to pay them our selves. After a year of us being in our bankruptcy beneficial decided to punish us by taking away all of our online access to our account, we could no longer view our account we also requested that they prove to us we were late and were told that they could n't release any information to us about our account! So now they know, as I have made it very clear to them that we want out from under them. Now they have made me lose a business opportunity ( as that loan was going to get rolled into our new mortgage ). I have been out of work since XXXX and am having surgery tomorrow and have now been put into a financial crunch because I no longer have an income and will not be able to work for at least another XXXX months.
I have submitted a mortgage modification application on XX/XX/2018 but have been denied. The company sent back a short sale option which I declined. The servicer has put I house up for sale
I mailed a pay off for my loan on XX/XX/XXXX with Bank Of America ( B.A.C ). I checked my checking account on XX/XX/XXXX and the check had not cleared. I again checked my account on XX/XX/XXXX and the check had not cleared. I then called B.A.C. number on my loan statement and got the XXXX office. The lady there asked where I sent it, I told her whatever is on my statement. She stated that is XXXX office. I suggested she call them and she stated they are not allowed. She suggested I call back on the XX/XX/XXXX if had not cleared. On the XX/XX/XXXX I called back because it had not cleared and authorized her to withdraw it from my account. After she did, I asked her to let XXXX to know and she stated again ( this is a different lady then first time ) that they are not allowed to contact them. She stated that since it is paid off they will not process and will tear it up. On XX/XX/XXXX, I checked my bank account at XXXX XXXX, and was shocked that the check to B.A.C. had cleared. I immediately called B.A.C. and this time was connected to South Carolina and they said that they were not allowed to call XXXX and nothing they could do but would refund the money by sending a check on XX/XX/XXXX. I immediately went to XXXX XXXX, to have them to return the check and showed them I had paid B.A.C on XX/XX/XXXX by direct withdraw. The new accounts person said she couldn't do anything. I mentioned to her under Federal Reserve operating Letters they have 24 hours to return a check. She asked the Manager and he told her that XXXX XXXX is if posted they could not reverse it. My wife and I are both retired and this type of arrogance and lack of following the law is what I thought was your purpose.
XX/XX/XXXX XXXX XXXX notified me that my credit report had been adversely impacted. In looking closer at my report, the reason for the negative impact is only due to numerous inquires. I reviewed the inquiries and I noticed that my mortgage company, Nationstar, had run XXXX separate inquiries last Fall when I refinanced my primary residence. See below : NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX, XX/XX/XXXX and NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX I reached out to XXXX and was informed that they could submit a request of deletion but only under the direction from Nationstar. I left a vm with Nationstar on XX/XX/XXXX and on XX/XX/XXXX a social media analyst ( contact info below ) called me to obtain some further information. I e-mailed her my complete credit report and the fax number XXXX had given to me to provide to Nationstar so this could be rectified. XX/XX/XXXX - XXXX called me to inform me that Nationstar would not be sending any letter of deletion due to the need to run both hard and soft credit inquiries. I asked for something in writing be sent to my e-mail and she indicated that she could n't grant that request and that it would be a legal issue. I have spoken with XXXX XXXX, as XXXX advised was my next step, and they informed me that all the inquiries are 'hard '. XXXX XXXX also informed me that they could n't delete transactions unless the creditor directed this action. In addition to not authorizing ( not being informed that multiple checks would need to be run and could negatively impact credit ), I feel that any mortgage company that operates under this practice borders on unethical considering a negative credit report can thus tie a consumer to one mortgage company. If there is no regulation on multiple inquiries what is to stop a creditor from damaging a consumer 's credit enough so a consumer can not shop a better rate? <P/>Representative from Nationstar : XXXX XXXX XXXX Media Analyst II, XXXX XXXX Nationstar Mortgage Office : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
I wanted to check the interest rate of my Bank of America Credit card online, and it is not published within my secured online account statement. It 's necessary to make a phone call to get the current interest rate charged by Bank of America on my credit card. The necessity of having to call is not stated in the online account summary - although almost everything else conceivable is stated, offered, hyped, or sold.
Opened XXXX-XXXX-2017 for the amount of {$360.00} was payed off
On XX/XX/2018, my sister sent me a recorded voicemail addressed to me regarding a civil complaint that was to be sent out as a court summons. The message was threatening and I was surprised as to why and how it was sent to my sister. XXXX XXXX, a local process server, left me this message with a contact number which I called immediately which is XXXX. I was told that I had a XXXX XXXX debt. At the time, I did have the mentioned debt but it was already being handled with a legitimate creditor. That day I made an inital payment via debit card of {$430.00}. For the next five months ( XXXX ), {$170.00} was automatically deducted from my card. Yesterday, I stopped future payment with the companys billing services ( XXXX  ) and also contacted my bank to stop any deductions as well. Yesterday, I got a voicemail from XXXX XXXX, a lead paralegal of the firm. Her number is XXXX. The past two days Ive tried to contact her but I only get her voicemail. There is also a possibility that they reported my refusal to pay remaining balance to credit agencies. My score suddenly dropped 5 points immediately.
I was a new customer at BMO Harris Bank and opened a savings account with a coupon I had that promised a {$500.00} bonus if I met certain requirements. I met those requirements but did not receive the bonus. The bank was informed that I did not receive my bonus and I was told by XXXX XXXX of the XXXX WI branch that they would need to research the issue. I was later informed that because I have a son with an account at the bank and he is allowed to be a cosigner on my account to handle my finances for me ( I 'm XXXX years old ), I would not receive the bonus. I feel that this is ridiculous, unfair, and since it was not disclosed to me at the time I opened the account I believe that the account was opened under fraudulent pretense that I would receive the advertised bonus. Rather than reward my son for bringing the bank significant new business I am penalized for banking at the same bank my son uses. This is a sleazy way to do business and I am considering closing my accounts and moving to a bank that does not promise incentives and then look for ways to get out of fulfilling them. I lived up to my end of the agreement with the bank and I expect them to live up to theirs. I am also filing a complaint with the Wisconsin Department of Financial Institutions if this is not resolved immediately. I am entitled to a {$500.00} bonus and I expect to receive it.
Some one opened a Fraudulent Credit Card account with Discover. I have mentioned to them several times that I did not apply for that card. I filed an Identity Theft Police Report, submitted it to them and to the Credit Bureaus but Discover still does not want to remove this from my Credit Histories. Please help
i am a victim of identity theft and while I was incarcerated, someone stole my personal information and identity and applied and opened up unauthorized and fraudulent accounts in my name. The following accounts listed on my Equifax credit report is unauthorized and fraudulent : 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, & # XXXXXXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX, XXXX # XXXX & # XXXX