WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed XXXX XXXX tradeline Account # XXXX XXXX .... as inaccurate XXXX XXXX, XXXX, with XXXX, EXPERIAN, and XXXX. A direct dispute with XXXX on XXXX XXXX, XXXX. There are errors before the dispute and after the dispute. There was no investigation done on XXXX tradeline. 

The disputed credit reports are as follow : credit report XXXX XXXX, XXXX, XXXX, credit report XXXX XXXX, XXXX, EXPERIAN and credit report XXXX XXXX, XXXX, XXXX. and XXXX letter where mailed out and delivered in XXXX XXXX. 

EXPERIAN Response was ( Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ) and XXXX response was ( Information Updated ). XXXX response was ( We 're writing to let you know that after careful research, we 've confirmed that we 're accurately reporting your account to the following credit reporting agencies : XXXX, EXPERIAN, and XXXX. ) The list of errors : DATE UPDATED OR VERIFIED DISPUTED credit report XXXX XXXX, XXXX, XXXX ( Items as of Date Report : XXXX XXXX, XXXX ) credit report XXXX XXXX, XXXX, EXPERIAN ( Date of Status : XXXX XXXX XXXX credit report XXXX XXXX, XXXX, XXXX ( Date updated : XXXX XXXX, XXXX XXXX. 

DATE UPDATED OR VERIFIED AFTER DISPUTE credit report XXXX XXXX, XXXX, EXPERIAN ( Date of Status : XXXX XXXX ) credit report XXXX XXXX, XXXX, XXXX ( Date updated : XXXX XXXX, XXXX XXXX There was no investigation done on credit reports from EXPERIAN, XXXX or XXXX. 

I made my last payment on XXXX XXXX, XXXX DATE OF LAST ACTIVITY/CHARGE OFF DATE DISPUTED credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX Date XXXX/XXXX/XXXX ) credit report XXXX XXXX, XXXX, EXPERIAN ( XXXX XXXX XXXX Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX date XXXX/XXXX/XXXX ). 

DATE OF LAST ACTIVITY/CHARGE OFF DATE AFTER DISPUTE credit report XXXX XXXX, XXXX, EXPERIAN ( XXXX XXXX Charge-off Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX Date XXXX/XXXX/XXXX ). 

There is re-aging with EXPERIAN, all three reports are inconsistent and the date of last payment an all three are incorrect. The charge-off date on all three are incorrect last payment XXXX, so charge-off date I believe should be XXXX. 

INCORRECT BALANCES Because the information such as charge-off date, Date of last activity is incorrect the balance is also incorrect. 

OTHER ERRORS credit report XXXX XXXX, XXXX, XXXX ( Date XXXX XXXX. XXXX Rpt incorrect ) credit report XXXX XXXX, XXXX, EXPERIAN ( XXXX incorrect ) credit report XXXX XXXX, XXXX, XXXX ( Two maximum delinquency of 120 days in XXXX and XXXX ). 
XXXX, EXPERIAN, and XXXX ( past-due amount should be {$0.00} the account was sold or transferred to XXXX XXXX, XXXX ).
I have been in my home over forty years. I need to refinance my mortgage because of my interest rate is adjusted out to 10.29 per cent. I do n't want to loose my house. I 've submitted a modification request and financials several times. They refuse to modify my house. There is a property foreclosure sale set for Property foreclosure sale
I advised on XX/XX/2016 to order my appraisal, on XX/XX/2016 I asked to lock my rate. I received my appraisal on XX/XX/XXXX in XXXX XXXX ( where appraisers are plenty and I 'm in a NON rural area ) and my rate was NOT locked until XXXX XXXX and yet it was n't disclosed to me ( Rate lock agreement ) until XX/XX/XXXX. 
Rates have gone up tremendously from XX/XX/XXXX to XX/XX/XXXX and now I am paying to buy the rate to were it was in XX/XX/XXXX ... ( at that time I was getting a credit, this was not a buy down aka : discount point ) I am closing late on my home ... I gave my last document for clear to close on XX/XX/XXXX and yet my loan is still in underwriting. Due to my appraisal being delayed it slowed down my process for my CD, which I also still do not have. All of these issues have affected my closing on time for this home.
This is a response for case number XXXX. I am unable to gain access to the established account. To recap, I was diagnosed with XXXX XXXX around XXXX. Initially, I did not have insurance. The medical costs placed me in a financial deficit that also resulted in pre-foreclosure. Through the good graces of the Florida Hardest Hit Fund, I was able to keep my home. XXXX is the mortgager and XXXX is the servicer. However, XXXX sent me an account statement dated XXXX XXXX, XXXX ( see attached documentation ) indicating that total amount ( arrears plus principal ) due was {$28000.00}. On XXXX XXXX, XXXX XXXX paid XXXX {$8500.00}. I received account statement dated XXXX XXXX, XXXX indicating that total amount due after application of the XXXX XXXX, XXXX disbursement was {$23000.00} with a monthly payment of {$230.00}. On XXXX XXXX, XXXX, XXXX paid XXXX {$12000.00}. I received an XXXX XXXX, account statement indicating a monthly payment of {$230.00} and principal balance of {$13000.00}. The XXXX XXXX, XXXX, statement showed a monthly payment jump to {$310.00} even though all required payments including monthly mortgage, were made on time. It also reflected continued extraction of escrow payments for PMI, taxes and insurance even though I had paid all taxes on the property on time from the inception of the loan ( see attachments ). The only proof of insurance provided by XXXX was effective XXXX XXXX, XXXX, after I had submitted my initial complaint to the CFPB.. After submission of the complaint to the CFPB, PMI was dropped without credit for previously incorrectly extracted funds and monthly payment per the XXXX XXXX, statement increased to {$990.00} ( see attached ). At inception my mortgage was approximately {$130.00}. XXXX has levied charges for items such as {$430.00} for property repairs that never happened. I have lived in this property since inception. I repeat for emphasis, that I believe that XXXX and XXXX is attempting to steal government funds and force me back into foreclosure. Please take a close look at the documents I have provided. I am trying to determine the fair principal and monthly payment owed after the correct application of FFH funds. I need all escrow charges refunded to me as they were applied incorrectly at best, fraudulently at worst. They did not pay property taxes. I did ( see attached documentation ). Nor, have they provided proof of insurance effective prior to the date of my complaint to the CFPB. How can monthly payments fluctuate so dramatically at the whim of the servicer on a fixed rate mortgage that is not in default? PLEASE HELP!
Over XXXX years ago I was on a note with my ex husband. We divorced, he let auto get behind. I talked with XXXX. Paid the amt told to pay without having a repossession on my credit. They still reported it as paid charged out. Can i please dispute this and get it removed. I paid over XXXX dollars to prevent this. Thank you.
I drop a broad at work and call in to say I mite miss a payment.. That sat. I open my mail and there was a foreclose letter and a mortgage to? this is us bank they have took my credit and made it so I ca n't get a loan or reference my house which I been in for five years or more.I have never miss a payment till now they will not take a payment at all even the full amount.
I called several times to pay my debt. I emailed as well. No one ever answered the phone or returned calls when messages were left. Thankfully I was able to pay thru the original creditor. I was trying to verify that the company was in fact real, and not a scan before I just mailed a check.
I was behind on my payments to XXXX XXXX XXXX because I broke my back back the in Summer of XXXX. The lender was unwilling to do a deferment on my account and told me to just make payments when I can, so that is what I did since I was unable to work during that time. I started getting threatening and rude phone calls every hour on the hour from XXXX XXXX until XXXX XXXX every day. I asked on many occasions to speak with someone higher up but was told there was no one every time. They threatened to repo my car even though I was caught up on my payments. I was fully caught up in XXXX of this year then they tried to take me to court, I hired an attorney and made an agreement to make my payments on time and have not missed a payment since. My account shows up as closed and as a charge off and no payment history giving me bad credit. Shows a higher amount owed then what I owe at this time. I would like to have my payments showing up on my credit report and my account as open or at least let me put a statement on my credit report as to why I was behind on my payments. This company is unwilling to work with anyone no matter the circumstances. My interest is outrageous on this account too. I highly recommend that no one use XXXX XXXX XXXX for any type of loan or banking needs.
I have a Best Buy/Citi Card. I was 3 days late on a {$25.00} payment, they charged me a late fee of XXXX. Since then they have been calling me from an automated service 3-6 times a day, even Sunday.
I refinanced my original mortgage with XXXX in XXXX at a high interest rate. This mortgage was modified to reduce interest in XXXX. That company sold to Bayview loan servicing the end of XXXX. The new company tool over the beginning of XXXX. This company has received payments above the amount due for my payment every month. They have been placing the additional funds in as unapplied funds even after reminding them this is to be applied to principle. They have also added a late fee to my bill even though I pay early and extra. They stated that this is not a late fee but a company fee that occurred during the transition period. Upon review of all documents they have sent there has been no resolution to this issue. I removed the twice a month auto drafts and chose to pay online the full amount I have been paying with the specific allocation for additional funds to be applied to principle. I received my statement last week and it still has a late fee listed and unapplied funds from my last payment. The statement also states that no payment is due until XXXX. It is my belief that this is also how the previous company was handling my payments upon further review of statements.
wrote letters to all 3 credit bureaus ... accounts on that are not mine ... was told these were verified ....
Dear XXXX ; XXXX/XXXX/XXXX I received a letter today from the Law firm XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXXThe letter stated they were garnishing my wages on a loan that I had desperately tried to repay for the last XXXX years. XXXX XXXX refused all offers to repay this loan. Asking for exuberant monthly payment amounts. Advising the debt would continue to gain fee 's and interest unless the total balance was paid in full. I advised their practice to repay a debt was ridiculous and unethical. Questioning several times how can a {$20000.00} dollar loan accrue {$14000.00} dollars in interest and fees? My sister-in-law cosigned the loan for me in XXXX, AZ in XXXX. I 've contacted the law firm by mail stating what I could afford to pay and they rudely declined my request. XXXX XXXX a Minnesota based law firm sent paperwork to my employer to begin garnishing my wages which I can not afford to happen or I will lose my house. 

Very Respectfully yours, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
In XX/XX/XXXX I studied XXXX in XXXX, XXXX via a program through XXXX University while I was attending XXXX College XXXX in XXXX, IL as an XXXX student. I was awarded a certain amount of student loans to make this trip possible, in particular a federal grant ( not a loan ) that amounted between $ 5,500- {$5600.00}. Because I was not attending XXXX College for the XX/XX/XXXX XXXX due to my study XXXX program, these monies were applied to my study XXXX trip. I was later toldby the financial aid office at XXXX three months before my XX/XX/XXXX completion date that the grant to the amount of {$5500.00} was reapplied to my XX/XX/XXXX XXXX semester without knowledge. I never signed or made any written or verbal agreement with XXXX College, nor did my parents, to reapply funds from my study XXXX program to my XXXX program. XXXX College then attempted to tell me because they reapplied those funds without my knowledge or permission that I was now responsible in paying them back {$5500.00} because of adecision the financial aid office made without my knowledge or permission or that of my parents. I will not be held financially responsible for the poor decision making by XXXX College XXXX 's financial aid office. The financial aid office waited to inform me of this debt before I was set to complete my degree in order to impede me from receiving my diploma in an attempt to force me to pay more monies than I owed and force me into taking another semester of courses as they would not transfer my credits from my study XXXX program because of the debt they claimed I owed. 
I want confirmation in writing that XXXX College XXXX is responsible for the {$5800.00} debt and that it will be removed from my credit report and that I will not be held responsible for paying back any portion of this debt I did not incur.
i have several accounts on my credit thats not mines i need it deleted i called all creditors they said the samething i still must pay it
I just received a call from a collection agency XXXX who bought an old debt from HSBC and is now threatening legal action. In addition, they called my job and left information with the person who answered the phone in reference to this. This is third party disclosure and is completely illegal.
Dynamic Recovery Solution XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX sent me a notice in the mail trying to collect on a supposed debt. They said the original creditor was XXXX XXXX XXXX, and that I owed from a credit card back in 2002. I have never had a XXXX XXXX XXXX card!
A Rep from XXXX XXXX XXXX XXXX XXXX ( XXXX  card ) called me and he suggested that I qualify to pay just {$35.00} per month for the next 3months or make a one time payment of {$100.00} to bring account to current nothing due. I made payment of {$100.00} since it was less than amount showing as due and he said because I was a long time customer that was a deal of sorts. Now a late 30 days shows up on my credit inaccurately!! Also they a falsely reporting me as having been late on this account. I hav never been late since I got this card back in XX/XX/2014. Please correct I need to buy my house next month!
I have a Federal FFEL consolidation loan which consolidated loans from XXXX and XXXX XXXX in the total original principal amount of approximately {$85000.00}, however, JP Morgan Chase paid off the loans in the total amount of {$120000.00}, which is a difference of {$43000.00}. Neither my student loan servicer, XXXX XXXX, nor JP Morgan Chase can give me ANY evidence of why this happened, nor can they give me a complete and total line item accounting from the inception of the loans to now. My loan has become more than DOUBLE of the original principal amount which means I am paying twice for my education!!!! And my loan balance does n't budge, which is the subject of my complaint against XXXX under Complaint # XXXX ( XXXX has already reached out and are " trying '' to get me what I have asked for for years, and also admitted that they have made a mistake in calculating the principal balance and therefore improper interest has accrued over the the past 7 years!!!!! ). I would like JP Morgan to give me the original promissory note and ALL loan documentation, evidence of the payoff to XXXX XXXX and XXXX, and evidence of the reason for the disparity in the payoff amount. JP Morgan also refuses to remove delinquency notes from my credit reports which I have been disputing for years and I was NEVER DELINQUENT!!! This is preventing me from qualifying for a home mortgage and for even getting out of my student debt, which will be impossible if these banks do n't rectify their illegal inappropriate compounding of interest. They ca n't even give me an amortization schedule!!!
Hello. 
This problem has been going on for three years. Due to a divorce I am no longer able to pay my mortgage. Three years ago Chase agreed that I would be able to do a short sale. Since I was approved I have gotten multiple offers, including cash offers. All denied. I have been bombarded by phone calls from their collection department which knows absolutely nothing about my account. I explain to them about being approved for a short sale and they say they 'll note the account but keep calling and calling and calling. I have had over FORTY, yes XXXX different people in charge of my account. It seems once I seem to be making a little progress in the situation I am moved to another representative who knows nothing if I can even get them to return my phone calls. I beg my realtor to not quit as she has ove 300 documented hours of time dedicated to dealing with the bank. 
As of rite now a offer has been put in and has been denied. The person who denied it has said he does n't remember denying it and ca n't give us a reason as to why. We have put a appeal in and ca n't get anyone to call us back. Please, I do n't know what to do. I am a simple man and need to get on with my life.
Despite consistent contact with Sallie Mae and efforts to negotiate affordable payments with them, they continue to use hostile collection tactics with me. They refuse to even attempt recalculating my monthly payment after submitting paystubs that show my monthly income to be around {$2000.00}, while the monthly payment they are requesting are over {$260.00} per month. This is well over what I can afford, and they refuse to negotiate an affordable payment in any way, while repeatedly calling and asking for immediate payment while redirecting me to numerous collection agents as I attempt to find someone to negotiate affordable payments with. I understand the obligation of this debt, and wish to honor that obligation, but I can not sustain the payments they are requesting without placing a severe financial burden on myself and my family.
I started my consolation in XX/XX/XXXX, My school loans total XXXX but the payment was XXXX per month so when with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX, XXXX to reduce my month payments. I had a full time job but I work for a XXXX  company and had to pay child support. My budget was fixed. Few years into my plan with them they offered to me a discount for non-payment.

So for many years until present time they had a system that pushes me off my plan after a year or so. In the beginning year I would be reminded and helped with the paperwork. Later year, they were NO help. There answer was always to put me on forbearance for six months. Which put more money on my loan and interest too. It was a scam so I could never pay this loan off. In XX/XX/XXXX, I had taken school loan out and pay them off before ten year because it wasn't a scam.

More then that I when qualified for program for working for a XXXX the more difficult they became. I sent them a copy of my income taxes but they didn't due anything to fix my problem. I got paperwork back into them and they did nothing to help fix my payment problem. For over a year they locked me out of web system but wouldn't help unlock to get my loan straighten out. Nobody would help by phone and they would push me back to a locked system. My loan when from XXXX to XXXX because they locked me out of the system. These last two year I steadily pay them XXXX a month because they would help fix my payment plan. They locked me out of payment plan all together and try to false report that I wasn't paying them XXXX a month. They reported on my credit report that I didn't make any payment but I pay XXXX a month.

This company even advertises on the radio and I called them for help from the commercial. They refused to help me telling me that I need to send in my income tax again. I did but no help. There answer always to put the loan on forbearance, which jack the amount of the loan up.

This company uses unfair credit practices. If I had a normal bill month that I could pay then I would. I've had this loan payment for more then 15 years but it only went up even though I paid almost every month.
I went to XXXX Lexus to see if I qualified for a new lease turning in my current lease. I was told the payment would be similar and terms also. When I got to the Finance office to sign the lease it showed it was a 48 month vs a 36 month. I was told it was too late to change and I had to accept the payments. I told them I wanted to change back to 36 month and they said they would work on it. Mow almost a year into it they still have not corrected their mistake.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report.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.
With full XXXX party authorization from my client who is the seller in a short sale, I instituted a sale of the concerned home. Mortgage service company has used numerous delay process and has ignored all documentation and request from the seller. Time is of the essence whereby the buyer of the home will abandon the sales process if short sale approval is not obtained.
In regards to a past credit card debt that my ex-husband obtained prior to our divorce. Debt is greater than seven years old and company maintains that it is not despite the fact that they changed company names which apparently started the date of collection over again. Company is XXXX XXXX XXXX , XXXX. They continue to change my balance amount on my credit such as ; XXXX/XXXX/2015 balance amount changed from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by {$790.00} from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by $ 366 % from {$210.00} to {$1000.00}. On XXXX/XXXX/2015 account has decreased by {$790.00} from {$1000.00} to {$210.00}. On XXXX/XXXX/2015 account has increased by {$790.00} from {$210.00} to {$1000.00}. Please note that XXXX has never sent my any option to pay the lesser amount, only the higher amount. They make numerous reports to my credit which keeps driving my score down when I am trying to build my credit up to purchase a home. This account is the only negative account that I have. I refuse pay this bill as it is past the time in which they can legally collect and due to them intentionally trying to ruin my credit. I have spoken with them on numerous occasions notifying them that it is too old to collect on and questioning why they were changing my balances on my credit report which they deny doing. I am a member of XXXX therefore I have record of all the changes XXXX has made on my credit report. I am not sure what other steps to take to resolve this matter. Please let me know of any suggestions you may have. Thank you, XXXX XXXX