WillisBack/dataset-financial-user-claim huggingface dataset:
Hi on my Credit Report there is about XXXX Loans took Out, XXXX is were I used a XXXX Times XXXX # Cards, up to XXXX $ the Co Ripped me Off, there Recording was Scrambled during the process # The man Lied to me, and Kept Hanging Up on Me after the end he said I Deliver the Money to your House? and Get this they Called Me, its on my Credit Report, The Co Name I, m Faint its been a While this is first Time doing this Today. that 's 1 Co, Ripped me Off for XXXX $ The Co I, m very Sure Embezzled Money, and Used my Name for Fraud Racketeering, and To have XXXX XXXX XXXX XXXX Call me and Try to Rip Me Off, Whos Behind these Crimes there All XXXX,? Very Scared Some times Plus the Cases I, m Next Sending to the FTC.Gov about XXXX .. Next there is about XXXX More Loans token Out or More? from Cyber Crime Theft s, I had XXXX Call me saying I Owe Them $ $ Money for Loans then theyde Hang Up? That 's Very Fishy There. I still Keep Getting these Go to XXXX XXXX Send Check to us Bla Bla and They Rip You off from the First XXXX XXXX Scams I, mPosative. My Name is Wrong on some and Adress etc XXXX, How Do I Get My Credit Score Up Help? Can you BELEIVE I, m involved in over XXXX Bank Rip offs and Still Going Hmm
I have the XXXX XXXX and it need my capital one bank statement and it won't let it pop up. I need that information. For the app to see so i can get my loan For rent
I have late payments that need to be removed per Capital One and it's still showing on my Capital One accounts ending in XXXX and XXXX my letter is dated XX/XX/2018 and stated would be removed with in 60 days.
My loan was transferred from XXXX XXXX XXXX Banking to U.S. Bank as of XX/XX/2016. I had already made my mortgage payment for XX/XX/2016 on XX/XX/2016 to XXXX XXXX XXXX XXXX as soon as I received a letter saying my loan will be transferred I called and XXXX advise me that my payment and loan information will be transferred over to U.S. Bank. On XX/XX/2016 I started receiving phone calls saying my loan will go in default if not paid and after 30 days I will be reported to the credit bureau I did my research and when a loan is transferred it says that I have a 60 period before any late fees are accessed or any late notices reported to the credit bureau. I have been calling U.S. Bank in regards to this issue and they say they received the loan information from XXXX XXXX XXXX but never my payment for XX/XX/2016. I then had a manager from XXXX XXXX XXXX XXXX to call U.S. Bank and advise them that all loan information as well as the payment was transferred over on XX/XX/2016 the representative from U.S. Bank then advise XXXX XXXX XXXX to fax over the balance on the loan and the last payment that was received I was also advised to send over my bank statement where the funds were deducted on XX/XX/2016 for my XX/XX/2016 from my XXXX XXXX XXXX Checking Account the fax number that they gave me was XXXX. I called back 3 business days later and no seems to know where the faxed information that I sent over was and they did not receive anything I then asked the representative what happens with my payment and the response was we have n't received anything you would have to send another payment or you will go in default.
In XXXX of XXXX, XXXX incorrectly listed a payment from XXXX XXXX as late that was not late due to a change in monthly due dates. I changed it from due the XXXX to due the XXXX. I noticed this in XXXX and contacted Equifax on XXXX XXXX, XXXX to remove it. The woman I spoke to in the office of consumer affairs, who was wonderful, contacted XXXX and agreed to remove it. It was never removed. I attempted to submit online so that I would have written record of my transaction. Equifax online dispute has been " temporarily suspended '' since XXXX XXXX of XXXX, when I first tried ... I have attempted about once every XXXX weeks since then. On XXXX XXXX, I mailed a letter with all information. Never received any form of reply. I even checked my spam box in email just in case. This dispute is now long past the 30 days and I would like to have this removed as it is hurting my credit score and subsequent loan rates. I feel that I have been more than patient before escalating this issue. 

Thank you for your time, XXXX XXXX XXXXXXXXXXXX XXXX
I was an authorized user on XXXX credit cards with Capital One, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.
Due date for this month for my Chase Sapphire Preferred account was XX/XX/2018. I paid the balance IN FULL from a XXXX checking account online on XX/XX/XXXX XXXX XXXX EST. 
The payment completely cleared by XX/XX/XXXX. Logging into my Chase account showed that mathematically the payment had been applied and normal credit line open. 
On XX/XX/XXXX, a {$150.00} purchase at XXXX XXXX in my billing county was declined. I called the customer service number and was told on new accounts like mine that the account is put on hold. I was never told when the hold would be removed that I was never notified of until the decline. There are zero messages in my online account. I never received an e-mail notification of the hold/decline. Declined purchase messages apparently only show up in the phone menu with no real explanation. THE PAYMENT HAS CLEARED. CHASE HAS THE MONEY. 
On XX/XX/XXXX, i tried to order a {$39.00} cent PIZZA in my BILLING ZIP CODE and the charge was declined. My online account shows {$5000.00} worth of clear credit. I called the customer service number again and was talking to a rep who did not have the " authority '' to remove a hold I was never notified of or is justified. I was transferred to an alleged supervisor who said the hold was scheduled to come off the account the following day again because it's a " new '' account. This is FIVE days after CHASE HAD THE MONEY. So my online account information is a manufactured fiction? Totally unacceptable. 
The reason I opened this account was from a seminar by The XXXX XXXX who also had an affiliate link to the application. Many other organizations/bloggers recommend this card as one of the best travel credit cards in the industry. I have a friend who did the same and to date has had no issues. Do not appreciate the questionable legality of not being notified of the policies or obviously an accurate online accounting.
I am writing regarding a release tax lien that is being reported on my Transunion credit report as docket number XXXX for XXXX.the lien has been released since XX/XX/XXXX. I have made efforts with filing  numerous investigations and disputes online, by phone in efforts to have this inaccurate information removed with Transunion, and it came back as accurate. Under the new law effective XXXX XXXX every public record must include name/address/Ssn/dob in order for it to appear on your credit file. Transunion refuses update their information and per the new law regarding tax lien the reported information does not comply with the new law and should be deleted off of my credit report. I have exhausted all efforts In resolving this  issue with Transunion as my outline regarding the law has gone ignored. Please help.
The Credit Card Accountability Responsibility and Disclosure Act of XXXX requires that when a borrower makes payments in excess of the minimum amount, the extra amount must go to balances with the highest interest rate first. Discover card has failed to do this for at least a year, causing me to pay over {$400.00} in interest that I should have not had to pay. Their not following the law is most obvious last month ( XXXX XXXX ) when I had a balance of {$2400.00} subject to a 22.24 % interest rate, and a balance of {$6400.00} with a 0 % interest rate. The minimum payment on XXXX statement was {$170.00}, however I paid {$6500.00} for that month 's payment, which is obviously a lot over the minimum payment. Since so much of this payment was over the minimum payment, according to the Act, the {$6300.00} over the minimum should have gone to the {$2400.00} at XXXX & interest, and should have paid that balance off completely and no more interest should have been incurred. Instead, on my XXXX XXXX bill, there is still a balance of {$450.00} subject to the 22.24 %. This has been happening through XXXX. I contacted Discover customer service at the end of XXXX and questioned them about this and they said that I did not understand the law correctly and that they could apply the payments in a proportionate percentage. Upon my reading of the statute, and other commentary I 've read regarding the statute, I believe that Discover is incorrect and is charging interest when I should have been able to pay off the 22.24 % interest balance a long time ago through my consistently paying more than the balance. I do not know the exact amount they would owe me for this incorrect application of my payments, however I believe it to be over {$400.00} from both XXXX and XXXX interest charges that were charged incorrectly.
We are a Freight forwarding company established in XXXX and based at XXXX CA. We have an account with Bank of America, XXXX CA. On XXXX XXXX, XXXX we transferred {$13000.00} to our own back office / customer service center based in XXXX. As of today XXXX XXXX, XXXX the corresponding bank in XXXX has not received the funds. We have made several contacts with Bank of America at XXXX CA in person and over the phone. Our last contact was with XXXX XXXX and all he kept telling us was to wait and see what happens. Bank of America has put a recall on the funds based on our request but is taking no responsibility for the funds. Funds were transferred using online service provided by Bank of America. 

We need your assistance.
Loancare A Service Link Company purchased my loan from XXXX XX/XX/XXXX. My mortgage payment to include hazard insurance, PMI, and County taxes ( everything listed and covered in escrow account ) was {$1500.00} upon their purchase of the mortgage from XXXX. I received a letter from Loancare XX/XX/XXXX stating that I had an escrow shortage of approximately {$210.00}. I contacted Loancare via phone on XX/XX/XXXX informing them that I had changed my insurance carrier to XXXX who had notified me that they have forwarded the coverage documents to them ( Loancare ) already and that the insurance with XXXX is approximately {$150.00} less annually and my County taxes had an increase for XXXX ( yes XXXX ) for the entire year of XX/XX/XXXX, which meant that I could n't possibly have a shortage in escrow after reviewing it and doing the math on a few occasions. In fact, I have an overage. I was told that the escrow account would be analyzed and they would follow up with me. After 2 weeks I did n't hear from them and phoned and I was informed by the customer service representative to call back in another week. I did and was informed that the account was correct after their analysis. I asked to speak to someone in the department that did the review and was informed per the customer service representative that the department that did escrow analysis did not speak with customers and that I could only speak to a customer representative. I asked to speak with a manager and was informed that they would only tell me the same thing which was on the computer screen that the customer representative was reading from to inform me of the outcome. I asked for another review and was directed to send an email with my concerns which I did again on XX/XX/XXXX. I restated my concern about the escrow account being incorrect and that there is not a shortage in escrow and to send me a line item review of how they arrived to the decision that there is a shortage. I phoned again today, XX/XX/XXXX and was informed that the review would n't be complete until XX/XX/XXXX which is the deadline for the extension to pay the month of XX/XX/XXXX mortgage, that was given as a result of my complaining about the payment being incorrect ( as the escrow shortage has now been applied to my monthly payment ). I explained that if the review will not be complete until the XX/XX/XXXX then the payment would be considered late as I am waiting for the analysis again. I was told yes there would be a late charge and that I will still have to pay the shortage if Loancare decides that I have a shortage again. I believe this is fraudulent and away for the loan company to acquire additional revenue. I ca n't imagine how many customers they are doing this to and getting away with it. An audit should be conducted to analyze their transparency and processes in this area of accounting. I smell fraud all over this as XXXX myself.
US Bank National Association initiated foreclosure proceedings via Publication within 13 days after I received the final paperwork for the Hemp Modification from the Loan Servicer after passing the trial period for the payments cashed and kept the fourth mortgage payment while according to US Bank the account was in default.That payment was not applied to the mortgage instead my online account was deleted.US Bank offered me a XXXX Dollar bribe if I no longer would proceed.I have Senator XXXX involved.
My wife and myself were denied a new mortgage by XXXX mortgage companies. My former mortgage company ( OCWEN ) has placed a late notice against my credit report during the process of stopping a loan modification. This mortgage has been paid off and refinanced to another mortgage company and OCWEN has been less than helpful about removing this late notice. I had made several attempts to make my mortgage payments, even contacting my bank representive on numerous occasions. The bankers kept telling me my account was in research and to not worry this would not impact my credit, that was not the truth. I have looked on XXXX XXXX and XXXX and can not locate any credit late issues with OCWEN. I believe that I am being treated unjustly and would like something done to resolve this.
On XXXX XXXX, 2016 I sent letters disputing items on my credit report. I submitted a copy of my ID along with my SSI card. My disputes were rejected with a letter stating my ID is incorrect. My previous address XXXX XXXX XXXX XXXX XXXX , TX XXXX is my previous address. My current mailing address is : XXXX XXXX XXXX XXXX, TX XXXX. I have submitted the letters of dispute along with a copy of my ID, SSI Award Letter, and my SS Card. Please continue to dispute the items in the correspondence attached. 

Inquires : ( past 2 year timeframe ) - MUST BE REMOVED IMMEDIATELY!!! 
XXXX XXXX XXXX XXXX XXXX Judgement : PLEASE VALIDATE THIS ACCOUNT No lease was ever signed for this property in my name. 
XXXX Creditors : PLEASE VALIDATE ACCOUNTS XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time TransUnion emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it.
I sued my landlord XXXX XXXX XXXX because of fraudulent charges after move out. They wo n't release my security deposit. Before the court date, the landlord sent my " debt '' to a debt collector, Kimball, Tirey and St John LLP. However, I won a judgment at court against XXXX XXXX XXXX XXXX but up to now, the " debt '' is still outstanding on Kimball, Tirey 's website - https : //kimball.virtualcollector.net/. I sent them XXXX letters - debt validation, and a letter with the judgment attached. They still have the supposed debt outstanding on their website.
To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim ( and suing me for ) that I owe CACH , LLC {$2400.00}. This is a formal notice that your claim is again disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : I do n't have a contract with you, nor have I ever signed anything to CACH , LLC stating I had an agreement with you and owed any monies to CACH , LLC. 
Please be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. 
The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a " counter claim '' small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
On XXXX XXXX, XXXX, 6 days after totaling my XXXX XXXX XXXX, I went to XXXX XXXX to buy a vehicle. I met with XXXX XXXX who was my salesman, although XXXX XXXX XXXX is listed as the salesman on the contract. I explained to XXXX about the accident and that I did not have GAP Insurance on the totaled XXXX and showed him the amount that XXXX had paid on the XXXX, the check of which was issued XXXX/XXXX/XXXX. I showed him the latest bill that I had which showed a payoff of {$13000.00} on the XXXX, having been financed through XXXX XXXX XXXX. XXXX paid a total of {$6600.00}, leaving a remaining balance of {$7000.00} owed on the XXXX. He let me test drive a XXXX, but wanted me to come in the following day, at which time he had me test drive a XXXX XXXX XXXX, which had a large rebate on it, which he said would be used as payoff on the XXXX, together with my {$2200.00} down payment. There was never any question about the financing and the XXXX payoff. They said they called XXXX to get the 20-day payoff and commenced to work up the financing. I signed it all that day, but they called for me to come in the following morning to re-do the signing as the final contract. I understand that XXXX was fired. I have called repeatedly in the first few months afterward to find out why the payoff had not been received by regional. Most of the calls were met with either promising to call back, ( with never a callback ) or not answering until the receptionist finally gave me XXXX XXXX 's cell number, ( XXXX ) XXXX. He is the General Manager. When I told him that my payoff had not been paid, he said, " Oh I 'm gon na fire every one of them '', then said that he would have XXXX call me. She did n't. I called him again ; he said let me call you right back. He did n't. I called him again, ; he put me on hold, then said that the check had already been issued, and gave me the check number and the amount. I contacted XXXX with this information, and they were kind enough to put ( 2 ) payments to the back so that my credit would not be affected. No check came after several weeks and XXXX conversations. I remember it being odd that XXXX XXXX had called to verify the loan and when I told her about the pay-off of the XXXX being financed into the new loan, she said " they told you that ''?. I said yes, and it was true. I went over to XXXX around XXXX XXXX to get my tag and while I was there, talked to XXXX the Salesman, who went upstairs and talked to XXXX. He came back down and said it 's all taken care of ... .XXXX is writing a check as we speak. I was so happy! But still no payoff to date. Thursday, XXXX XXXX, XXXX I called and left a voicemail for the Finance Manager to call me. Today is Monday and no call. I now have an amount due of {$1400.00}, including late charges. I ca n't make these payments plus those on the XXXX, and late payments are showing up on my credit report. I was recently denied credit.
I have been making student loan payments under Income-driven repayment plan since XXXX/XXXX/2012 with XXXX. I also have been employed in public service. Therefore I should qualify for over XXXX payments towards my XXXX for XXXX XXXX XXXX XXXX per XXXX. Now that I have switched over to Fedloan Servicing they are not wanting to count over half of my payments and have very inaccurate information. I personally believe that they are trying to find loopholes in the system to generate more revenue for the company.
I recently sent Equifax a certified letter requesting an update to my current address. With the certified letter, I included a copy of my drivers license and soc sec card. I just received a conformation letter from them letting me know that they had completed the changes. The problem is they made the changes to someone else 's credit file. My name is XXXX. The person who 's file they updated is XXXX. How does this happen, considering I included two forms of ID with my letter. I can assure you that I do not and have never gone by the name XXXX. Also, the former addresses which were removed are not, and have never been associated with me or my name or social security number.
On XX/XX/XXXX I applied for a Capital One mastercard. Today on XX/XX/XXXX I received an approval email ONLY if a send copies of my ID which were NOT required for online application. After several phone calls to XXXX, representatives refused to close card ending in XXXX with a {$300.00} limit & send a letter stating closed by consumer.