WillisBack/dataset-financial-user-claim huggingface dataset:
Was unable to make payments on a loan I took out with Check-N-Go, due to illness. The account was sent to XXXX and they contacted me regarding the debt. I was able to set up good faith payments of {$50.00} per month while I attempted to come up with the money to pay off the account. I was late on my XXXX payment and offered to pay it on XXXX/XXXX/XXXX. The person who had worked with me previously advised that her manager was taking over the account. His name is XXXX XXXX - XXXX x XXXX. I explained my situation and requested we continue the {$50.00} per month payments until I could catch up with my other bills. I advised that I would need until the end of the year. XXXX XXXX was extremely rude, accused me of not wanting to pay my debts, made false statements regarding the value of my home, and accused me of declaring bankruptcy in XXXX, none of which is true. He has threatened to have me sued. I requested multiple times to have him work with me but he declined. His tactics were extremely antagonizing, derogatory, and unprofessional.
I contacted Wells Fargo Dealer Services to discuss my auto loan due to my vehicle repairs being above the value of the car and the amount I owed. I originally asked for a settlement on my loan on XX/XX/18. The next day a representative called to say I was offered a settlement of {$4500.00} a savings of approx. {$800.00}. I stated I would need to think about it. I called again on the XX/XX/18 and asked for a lower settlement of {$3700.00}, I was told it is not negotiable. I called again on XX/XX/XXXX for the settlement in writing I was told that I could not get that because I did not accept the settlement. In turn I accepted the offer and then was told I still couldn't get it in writing because I didn't pay it yet. On XX/XX/18, I paid the account at the local branch and the teller informed me my balance was around {$5200.00}. I told her that is my payoff not my settlement. The banker called dealer services to inform them that I in fact made the payment and asked if I could get something showing it was paid as agreed. They told her there was nothing that I could get but they saw the settlement offer and I would receive a letter and title in the mail. The following day I checked my account online, my payment showed has a very large regular payment with part going towards principle and the rest going towards interest. I called, they said it would take a few days but would be fixed. I checked the next day and the payment was adjusted however, the loan is still not showing it is settled. The account is showing a balance of {$800.00}. With another phone call I reached the " office of the president '' I was told that the issue needed to be researched and someone would call me within 48 hours. I received a call on XX/XX/XXXX and XX/XX/XXXX to have to restate my issue again resulting in another stall tactic saying they would need to research this issue. I called for an update and was told they were needed to speak with the person that offered the settlement and to give them more time. After calling for another update on XX/XX/18 I was told that they spoke with the person that offered me the settlement but they are searching for the " document ''. I asked why we can't find whatever it is we are looking for I did not get a straight answer.
My mortgage was with LOANCARE SERVICING from XXXX. I began a modification in 2014 where my payments were made on time and I should not have been reported late to the credit bureaus. I thought all was reported ok until recently I had my credit looked at as I am in the middle of purchasing a new home and indeed LOANCARE reported me late for those months. I was horrified and very angry when I saw this because multiple representatives told me this would not happen. this is quite the tarnish to leave on my credit and I am very unhappy as to why I was lied to and how this has affected my credit score and also my potential for getting a new mortgage. I have spoken to loan care a few times and they have been very unresponsive and not helpful at all. after hours and hours of calls when I finally spoke to someone they asked for a written request. I sent this is In XXXX of this year and still nothing. The months in question are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
can a bank refuse credit based on their own information or do they have to rely on the credit report?
I have been the victim of ongoing and troubling ID THEFT. I have several incorrect items reporting on my Equifax credit report. My address needs to be corrected as well as the fraud items need to be removed. Police report on file.
In XX/XX/XXXX LJ Ross Associates began contacting me about a debt that they claimed that I owed to them. During the initial phone call, which is recorded by the company, I disputed their claim informing them that I have no connection to or ever received any service from LJ Ross Associates. In XX/XX/XXXX I received a copy of my credit report and found that LJ Ross Associates is reporting an unverified debt. I have disputed this four times with all three credit bureaus and twice with LJ Ross Associates directly.

On XX/XX/XXXX I sent a certified return receipt letter requesting that they validate this debt they are attempting to collect within 30 days. They received the letter on XX/XX/XXXX and refused to respond yet continued to update their negative reporting on my credit reports every month following the receipt of the letter. On XX/XX/XXXX I sent a follow up letter requesting that they remedy the situation and they responded by sending me an account analysis from a utility company which does not validate that I owe a debt to LJ Ross Associates. 

LJ Ross Associates has failed to provide me with any documentation bearing my signature showing that I have a contractual obligation to pay LJ Ross Associates for the debt that they are reporting on my credit reports. I have never entered into a one month termed contractual agreement with LJ Ross Associates. However they are reporting these inaccuracies on my credit report in addition to a seriously past due negative payment history. I request that this entry be removed from all of my credit reports immediately.
Essentially, the company has entered an unverifiable account on my credit report that I did not open. I made this fact clear to the company and provided evidence confirming identity theft and evidence from US authorities  confirming that my personal information, including my social security number, but not limited to, have been compromised. Despite this the company continues to report this derogatory account. This is my last attempt to have this matter rectified amicably without the need for litigation ; thus I have engaged the CFPB.
On or about XXXX XXXX, 2015 ordered a XXXX computer from XXXX, by telephone. XXXX charged on my Chase Visa card {$540.00} for the purchase of the XXXX computer which was to be shipped. Never took possession of the item. Disputed the charge same day I received my XX/XX/XXXX charge statement. On XXXX XXXX, 2015 XXXX sent me an email that they had credited my XXXX account for {$540.00}. I shared the email with Chase in reference to the dispute. Chase advised that it would take two billing cycles to make my dispute credit permanent ( advised this by no fewer than XXXX CSR 's, since they did n't show the credit from XXXX. Two billing cycles have past and Chase now says they have charged XXXX back -date undetermined, but the credit to my account remains as a temporary dispute credit for an indeterminate amount of time. Spoke with a XXXX XXXX, supervisor in disputes, " Dispute Department in XXXX XXXX, TX '', on Monday XXXX XXXX, 2015. XXXX XXXX told me that they must give XXXX ample time to respond, despite XXXX 's email to me and failure to respond to Chase since XXXX XXXX, 2015 and today being XXXX XXXX, 2015. XXXX XXXX refused to allow me to escalate my call, nor to give me a time when this credit will become permanent. He apologized, but said that this would remain open until they deem that XXXX through their merchant banking bank has had ample time to respond, but they apparently have no decision date or will not share it with me. There seems to be no end to the permanent resolution of this matter, and I have been blocked from escalating this matter at Chase. I classify this as lost money until the credit becomes permanent.
Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX I do not recognize this inquiry - please remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This should have been a soft inquiry
There is a car loan on my credit report that does n't belong to me. I 've contacted Capital One about it and nothing was done. I 'm considering seeking the help of a lawyer.
This is probably my XXXX complaint on this same issue. We are on our XXXX bank because our loan continues to get sold. the complaint is with Selene Financial. We were working on a loan modification which would involve taking off the mortgage an ex wife and adding XXXX names onto the mortgage. It also involved reducing our mortgage to fair market value. After months and months of paperwork and waiting we finally made a deal and got the ex wife removed, and the mortgage reduced to {$270000.00}. This was the end of XXXX 2016. The stipulation was we have to make XXXX consecutive payments of {$2000.00} and after the XXXX payment the new loan would take effect. We made our payments as instructed and the day before the XXXX payment was due we were told our loan would be sold. When asking if they can get the modification done first I was told ( see attached ) the the new loan company would honor the agreement. That was the last I was able to communicate with our negotiator at Selene Financial. I had e mailed him and tried to call him numerous times after his last e mail because I wanted to make sure they sent over all the paperwork as there is no way we should have to do it all over again. We held up our end of the bargain now Selene needed to follow through with theirs. I found it interesting that they made the deal with us the same day the loan was sold even though we were not notified it sold until XXXX XXXX ... .This actually been a two year ordeal..the bank before Selene was horrifying as well and I had made a complaint to you about them. They conveniently sold our loan to Selene before ever doing a loan mod with us. I am just beside myself and fed up. All we want is a fair market loan, and a company to follow through with their promises. We called the new bank, XXXX and they said they do n't have everything and they still have the old mortgage and the original names. Meaning nothing of the new deal that Selene promised us is in their records. What I want is our loan Mod that Selene agreed to be in place ASAP with no more paperwork! It should have just transferred over since we did what we were supposed to do.
I was attempting to book a rental property and I was given the owners ( XXXX XXXX ) Wells Fargo Bank account info to deposit/wire the money. I went to a Wells Fargo branch and had them verify that the owners account looked to be legit account. They said it looked legit, but could n't say anything else. I felt more comfortable with depositing the money. The bank created a certified check for {$2700.00} from my Wells Fargo account and deposited it into what i was told was the owners account. 
I did more research the night I deposited the money and feel like i was part of a scam. My wife and i called Wells Fargo and found out that I would have to go into a branch to try and stop payment. 
I went into the bank at XXXX ( 21 hours after making the deposit ) and explained the situation and wanted to put a stop payment. They told me I had to go the legal route on this and they could n't do anything. 
I just received another email from the " Realtor '' ( XXXX XXXX ) saying that my certified check did n't clear. This is making me even more concerned that they are going to ask for more money and/or not provide any services ( rental property ). 
I was looking for the bank to care about cancelling the check from my side, but they seemed bound from doing anything. They also did n't seem to care that one of their accounts could be involved in a scam. 
After calling Wells Fargo around 10 times, someone actually filed a research claim to look into the check, but I still do n't get the feeling that Wells Fargo is going to take this serious.
All of my personal information has been stolen from me, every time I dispute the collection agency places it back onto my credit report.
I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX as my only address but they refuse to remove multiple addresses located all over XXXX XXXX, XXXX  as well as an old XXXX XXXX in XXXX  XXXX., I have requested numerous times to remove XXXX XXXX XXXX  who is on bkXXXX discharged as of XX/XX/XXXX but they keep popping up on my credit report even as of this date XX/XX/XXXX; not only XXXX XXXX XXXX  but also XXXX who is on bkXXXX, XXXX XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX  who been paid XX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XXXX,. XXXX XXXX XXXX absolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX XXXX. I would like my bankruptcy case # XXXX  filed XX/XX/XXXX dischargedXX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX, XXXX. stating that they do not authorize or give consent to reporting my bankruptcy on my credit report.
As early as  XXXX   XXXX ,    2016 I disputed the accuracy of the reporting of a Synchrony Bank/Walmart account -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. ( see attached ). I never receive d any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,    2016. ( see attached ) My  understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable
On XX/XX/2018 I sent a written request via USPS to TransUnion for a free, complete copy of my credit report. I included proof of my Identity and current address with my written request. 

This is the first credit report that I requested during XX/XX/2018. 
This is the first credit report that I have requested in the last consecutive 12 months. 

I have not received my Free credit report that I requested.

I have received no response from TransUnion and my request was made over 90 days ago.
I had a credit with XXXX. The continue to report the status of the account as 60 days past due to 2 of the credit bureaus. This makes an account that is closed and paid in full report as an active delinquent account. they failed to report payments made after a missed payment which would have taken the account back to current status with the credit bureaus. They knowingly are doing this to keep this account delinquent seeing I closed the account after issues with their system accuracy. The account was never 60 days past due
Bank of america home loan servicing assigned a XXXX balanced loan to XXXX. 

After transfer, to date XXXX claims more than {$110000.00} is due.
I called Bank Of America because I went to XXXX and they had told me the charge didn't go through and my charge still went through. I called / went to XXXX XXXX XXXX  and they couldn't help me. I called and filed a chargeback through Bank Of America over this situation and they got back to me with a denied chargeback. I then sent in much more documentation with a clear explanation of what happened and a signed letter in time for them to continue my dispute. It got denied a secondary time with Bank Of America after I sent them those documents because they claim I need a credit receipt. I spoke with XXXX   and they told me that it didn't matter if it was face to face or online, the merchant must say something like all sales are final. This merchant told me after the fact that all sales were final on alcohol and they couldn't take it back. This was never disclosed and the merchant failed to prove it was disclosed. As per XXXX   chargeback guidelines, " The merchant failed to disclose its refund policy at the time of the transaction and is unwilling to accept a return or cancellation of goods or services ''. Which this is true and Proof of an improperly disclosed in-store receipt. Bank Of America has the improperly disclosed receipt in their posession and it is clearly not signed either. All merchants make you sign for transactions over 100 dollars in person. The XXXX guideline also reads " Merchants that are unwilling to accept buyers remorse returns and cancellations or that want to have special terms including ( but not limited to ) restocking fees or in-store credits, must disclose these terms at the time of the transaction. The cardholder must be informed of the refund policy prior to completion of the transaction at the point of interaction. Failure to disclose a refund policy will result in the merchants requirement to accept the goods for return and issue a credit '' This is also true,
I closed out my on XX/XX/XXXX and the ballance was paid with the prepaid money XX/XX/XXXX i did this because XXXX XXXX mobil app did not post my payment and i was charged late fees 2 mos in a row. So capitol one then charged me intrest on XX/XX/XXXX and again this month after the account was paid off they are saying i am responsible but i told them i was closing my account out and then to top it off they charged me a late fee for not paying the interest ... I told the agent that i wanted the account closed and finalized. This is for XXXX but its the principal they should have included the interest in my final ammount and didn't so i should not have to pay this or the late fee.
Good morning. There are inquiries on my Experian credit report that I did not authorize. I 've called and written them letters and I 've yet to get a response. Below are the inquiries that I did n't authorize. 

XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX CT on XX/XX/2016 to have a XXXX fixed were the XXXX XXXX off the XXXX XXXX XXXX # XXXX this is shown in second picture of the documents I have uploaded regarding this complaint. The XXXX had XXXX XXXX XXXX XXXX as you can see the dark XXXX mark in the XXXX with the XXXX XXXX XXXX XXXX at the bottom shows he XXXX XXXX XXXX XXXX. When I went to the XXXX he said he could place the XXXX back on the XXXX. I suffered allot of horror in this XXXX office. The XXXX XXXX XXXX XXXX XXXX that was working at XXXX XXXX  at the time seems to no longer work at this location at all. He seemed to have moved I believe to XXXX XXXX XXXX in XXXX CT. Tel # XXXX. This doctor stated he could fix my XXXX when attempting his practice with on me I found many strange un sanitary acts used upon my XXXX. I suffered great pains in this XXXX presents. My credit card company had taken payment away from him and failed to allow him to be paid I won the dispute against this doctor. Although I have won the dispute I managed to hire on a no fee unless I win with attorney XXXX XXXX XXXX in XXXX XXXX CT. This attorney seemed to pass on from a XXXX XXXX and my case was transferred to this Attorney XXXX XXXX in XXXX CT where you can see he gave me a letter of protection and then said later he could not obtain an expert witness to testify in court, so I could not bring a case against this XXXX XXXX XXXX at all. This was not making any sense to me at all. I was then given the opportunity to try to get my funds paid through the Connecticut XXXX Association. When I went to them for help I found that all these XXXX are sticking together, and I do not stand a chance at all on this damage caused to my XXXX from this XXXX resulting in over {$25000.00} in damages to my XXXX from him. You can see in the first XXXX picture that I enclosed that I had to pay to have the XXXX # XXXX XXXX the same day that he tried to place his XXXX XXXX XXXX XXXX into my # XXXX XXXX that was XXXX   XXXX. As soon as the XXXX wore off the XXXX was hurting, and it was XXXX. I used care credit to fix the XXXX and I was given a letter of protection thinking I am getting this money back from the representing attorney XXXX XXXX from XXXX CT Tel # XXXX. This is really misrepresentation and I will most likely be filing a grievance against this attorney for what he did. If you can please keep this collection away from me with XXXX XXXX that has been turned over to This Attorney XXXX XXXX XXXX XXXX that is asking me for {$7500.00} to be paid to his office. There is letter of protection the attorney never did any proper job at all for me that was representing me. If you have any further questions please contact me at XXXX. 

Sincerely Yours XXXX XXXX XXXX XXXX
We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX Inquiry : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY