WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I got hit with New Inquiry from XXXX which I noticed XX/XX/XXXX on my XXXX online account. I called XXXX to tell them I did not make any hard inquiry XXXX XXXX XXXX ... They had said would remove the hard pull and I had told them I would also go on here because the customer service reps from my experience always seem to get things lost. 

To my understanding this hard pull is only on my Experian and going to be removed as soon as possible. If it was on any other credit bereu 's I would kindly ask for it to be removed as I never made this inquiry.
I had a car loan with XXXX XXXX XXXX that was taken out in 2008. I first was late and it was reported in XXXX 2008. Someone, either the reporting agency or the lender changed the status of all latenesses as ND or No Data. This seems unfair. I am trying to remove this item from my report because the date of the first reported lateness was in 2008. It has been more than 7 years. This at least should be removed from the negative area of my accounts on credit report. This includes all three reporting agencies. But because they have all changed the status to No Data, instead of Late I am unable to properly dispute. This seems both unfair and manipulative.
On Tuesday, XXXX XXXX, 2018 at XXXX EST, I received the Closing Disclosure from Quicken Loans to sign off on. I was scheduled to close on XXXX XXXX at XXXX EST. The closing cost stated on the closing disclosure that I signed was {$24000.00}. 

At the closing table on XX/XX/XXXX, the closing costs had risen without being brought to my attention to {$29.00}, XXXX. I was told that the reason for the change was that the title transfer tax was not listed on the Closing Disclosure that was submitted to me for signing. This change was never mentioned to me until I was at the signing table. 

On XX/XX/XXXX, Quicken refused to rectify the situation and I did not close on the house. The title company told me, the day of signing and numerous times since, that this is a fine tolerance cure that I should file a complaint over. 

On XX/XX/XXXX, Quicken offered to credit my closing costs with {$1200.00}. I closed on the house XX/XX/XXXX with this credit applied only because I had received numerous threats from my realtor ( who was assigned to me by Quicken ) that I would be sued if I did not close.
The collection company " Credit Bureau Services Association '' is collecting on behalf of XXXX XXXX XXXX on a lease that was signed with the intention to operate a business. Landlord was fully aware of this and it is stated in the lease agreement. This should not be a personal responsibility as me and XXXX other parties signed this agreement to operate a business and a business debt can not be reported on a personal report only that of the business. Additionally, the amounts attempting to be collected are inaccurate as when the lease terminated we have reason to believe that the property went under lease with another tenant and therefore duplicate rents can not be collected for a default and under a new lease with another tenant. XXXX spoke to me and XXXX of my partners and they stated the property was under lease with a new tenant and that the amount in collection would not be owed by us. I am requesting that XXXX XXXX XXXX provide the original lease showing that we intended to occupy property as a business and also the lease history of any and all tenants after the lease with our company " XXXX XXXX '' terminated. Additionally, XXXX XXXX XXXX still holds property that was left with an agreement to return the contents that was left behind before lease terminated.
Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. XXXX XXXX  XXXX closed my account after freezing it an reported me to XXXX XXXXXXXX and XXXX XXXX for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because XXXX XXXX XXXX reporting.
I would like to file a formal complaint against XXXX XXXX dba Care Credit. XXXX XXXX of XXXX XXXX dba Care Credit claims in her letter to you dated XX/XX/2018 that I was attempting to modify their dictated terms of agreement. This is another falsehood on the part of XXXX XXXX ; they have yet to acknowledge their failure to respond to my original complaint for 8 months and only responded after I filed a formal complaint with the CFPB. Additionally, in the second paragraph of her XX/XX/2018 reply, she states that the interest charge would be removed if I pay {$1600.00} by XX/XX/2018. In fact, XXXX XXXX dba CareCredit applied my {$200.00} payment on XX/XX/2018 and applied by {$1600.00} payment on XX/XX/2018. However, XXXX XXXX dba Care Credit then turned around and charged a late fee of XX/XX/2018 of {$38.00} and an interest charge of {$82.00}. This is yet another example of XXXX XXXX ongoing abuse of customers and fraudulent treatment of customers. These charges can only be due to the fact that XXXX XXXX misapplied my XXXX payment and then failed to remove the charges they agreed to remove in XXXX XXXX XXXX XXXX reply of XX/XX/2018! 

Clearly, the prior agreement XXXX XXXX  reached with the CFPB has not stopped their customer abuse of assessing false charges to consumers! Additionally, XXXX XXXX has yet to provide a phone number at their corporate headquarters that will be answered by a live person. The only headquarters number listed on their website is a phone number that goes to a recording that promises someone will call back within 48 hours. No one from XXXX XXXX   has yet to call me back from the first two messages I have left on this number ; someone only returned a call and left a voice mail this time because I told XXXX XXXX that I had left a message and no one had yet to return the first two messages.
I have a auto loan with Gm Financial. The repo 'd my car and left a balance of. This attorney XXXX & XXXX sued me and garnished my wages. I been paying on it for 3 years and I showed it was paid XXXX 2015. I have called them 3 times along with GM Financial And sent them certifified letters to get this resolved. Still nothing from either of them. Under the fair credit act I have a right to this information. They still are garnishing my wages but I have no idea why and why I can not see my payment history to vertiify my payment history.
I previously filed an FCC complaint on XXXX for erroneous billing and failure to credit my account properly. After the depute my bill was credited and it resulted in a XXXX balance.Afterwards I ported to a new company and returned 2 years later. The bill wasnt mentioned and there were no adverse effects when I ported back to XXXX. Almost a year in and collections agency has listed the item on my credit report. XXXX advises the issue was resolved and they aren't showing compensation due on the amount. However, XXXX is the only credit reporting agency that refuses to remove it even after several disputes have been entered. In fact they have blocked me from further filing in the matter!
CHECK N GO IS IN VIOLATION OF STATE COMPLIANCE LAWS AS WELL AS REALTIME RESOLUTIONS, FAIRWAY CAPITAL IN VIOLATION OF FCRA, FDCPA, TCPA ETC..TRADELINE SOLD TRANSFERRED. CHECK N GO LOST TRADELINE RIGHTS..
Recently filed a claim with CFPB in reguards to this same account. This account Was is fradulent and does not belong to me. I sent the theft packet and required documents back after receiving it and it havent heard anything back until i noticed this account was reporting back on my credit report at the beginning at XX/XX/XXXX. This account was previously removed from my credit report. I am in the process of purchasing a home and this is hindering me from being a homeowner. As stated before this account is fradulent and i shouldnt be punished for something that does not belong to me. Attached is a copy of my police report.
In XXXX of 2017 I wrote to XXXX, XXXX and Transunion asking them to verify several accounts that were unbeknownst to me and I have yet to see a response nor a change in my report. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX University -XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Re : Case # XXXX ( which also see ) Chase has not responded appropriately to this complaint of the erroneous charge to XXXX XXXX for a gift card : 1. ) In my initial disputed charge report by telephone to Chase I was told to contact XXXX XXXX to have the {$24.00} charge reversed. I explained that I had no contact or relationship with XXXX XXXX and that therefore they would have no information about me or basis on which to reverse the charge ; that the error was made by XXXX who would have to reverse the charge, whom I had contacted and whom had not responded, and whom Chase would have to therefore contact for the dispute. 
Nonetheless, I did contact XXXX XXXX, who, as I had said would be the case, had no information about me or my CreditCard and therefore had no way to be able to reverse the charge. 
2. ) Chase sent for me to fill out a form which is irrelevant to the billing error which was made ( as explained to you in the Case # XXXX and above ) and therefore the form is useless for the disputed discription. 
3. ) A representive from the Chase exectutive office, XXXX XXXX ( XXXX ) XXXX XXXX left a message on my ( unlisted, private ) phone on Monday, XX/XX/2018 requesting I return her call. I have subsequently called back leaving a message for XXXX XXXX XXXX times and to date, Saturday, XX/XX/XXXX, XXXX XXXX has not returned my call. 
4. ) I have spend a great deal of time trying to resolve what should have been a simple matter. The bureaucratic run around by Chase has prevented a timely resolution, to wit : That Chase would not follow up in an appropriate way after I fully explained the situation, that Chase continues to deal with the matter in an ineffective if not just plainly incompetent manner, and most of all, XXXX XXXX 's not following up with any resolution and flagrant discourtesy in not returning my calls to her.
In XXXX, I signed up for a XXXX XXXX XXXX American Express card, as they were offering XXXX bonus points if I spent {$750.00} on the card in the first 3 months. In XXXX I spent more than the {$750.00}. As of today 's date Ihave not received the bonus points despite having contacted American Express several times. I filed a formal request for investigation on XXXX XXXX, 2017 requesting that this be expedited because my plan all along was to use the points for XXXX travel. As I called tonight XXXX XXXX XXXX XXXX their representative told me that it continues to be under review but that their marketing department is failing to respond to these issues and that I am not the only customer who is having this issue.
In XXXX 2015 I refinanced my home through Cash Call Mortgage Lender for {$280000.00}. Subsequent to this, the loan was purchased by XXXX and servicing was initially provided by Impac Mortgage Loan Servicing Division. The first payment was due XXXX/XXXX/15 and Impac serviced the loan through XXXX/XXXX/15. For some unexplained reason when I reviewed my payment history online, {$83000.00} had been added to the principle. It is obvious that something was wrong as the note and all my docs clearly show the borrowed amount as {$280000.00} ; Even Impac Mortgage account history shows the initial {$280000.00} as well as the addition of the {$83000.00} about 2 weeks later. I brought this to their attention and after many, many communications they said they resolved the issue and adjusted my account accordingly on XXXX/XXXX/15 ( I have included a copy of the payment history from Impac ). Their explanation was that somehow my loan docs had been mixed up with another and caused the addition of the {$83000.00}. About the same time they said the matter was resolved, they coincidentally transferred the servicing of my loan to XXXX XXXX XXXX ( XXXX ) which began on XXXX/XXXX/15. In reviewing my account with the new loan servicing company XXXX, the {$83000.00} has been suspiciously attached to my account again. On top of all this, XXXX now has my property confused as being in XXXX County instead of XXXX XXXX County for my escrow account tax payments. SLS customer support told me they will look into it, but something is just not right. I feel like someone is trying to hide this {$83000.00} back at Cash Call or Impac, which are both part of the same company. I am very disturbed by all of this and would like some help in finding a resolution. I have attached an account summary from SLS to show the current amounts they list as well as the payment history from Impac Mortgage to show the suspicious addition and deletion of the {$83000.00}, Thank You.
Discover card has blocked me from getting my consumer credit card into a payment program. I was working with a credit card service and XXXX from Discover card called me to allege fraud on my credit card. I was honest and explained that there was no fraud on my account that I was working with a company that I authorized to have access to my account. She unilaterally decided to change my account number, successfully blocking me from trying to get out of debt. 

On XX/XX/XXXX, XXXX contacted me demanding a payment. When I informed her that I did not have the ability to make a payment currently, she threatened that she knew my bank account number. I immediately said repeatedly that she and Discover had no authorization to take money from my account. On my own accord, I payed a payment of {$200.00} ( which a few cents credit ). Imagine my surprise when I receive an fraudulent email indicating that I verbally authorized a phone payment on XX/XX/XXXX, which was completely untrue. Obviously, XXXX and Discover realize that this practice is fraudulent, as she created the fake phone authorization in order to create a fraudulent paper trail. 

On XX/XX/XXXX, I confirmed that my credit card has finally made it into a payment program. I have received two additional phone calls on XX/XX/XXXX XXXX EST and XX/XX/XXXX at XXXX EST from the fraud department. I have not take the phone calls, as I am tired of arguing with them and finally just wrote an email to the CEO, XXXX XXXX informing him of his Discover and XXXX 's unethical and illegal behavior. I suspect that they are going to alleged fraud again, so yank my credit card out of the payment program and block me again from trying to successfully pay my debt.
XXXX XXXX XXXX is reporting account # XXXX date opened XX/XX/2012 as late payments, but has failed to accurately report those late payments. I told XXXX that the account is in accurate and does not list a date of removal. XXXX stated it was because XXXX XXXX XXXX has never reported the actual date the account was late. XXXX has sent me a letter about the late payments and it does not match what is reporting on my XXXX credit report. XXXX fails to remove it for violation of accurate reporting. I would also like Equifax to remove this account as well because the same is happening with them too.
My name is XXXX XXXX and I was victim of froud on XX/XX/2018. I have nephew that live in XXXX for about 10 years. One person from this number XXXX posing as a US Customs agent called me and told me that XXXX XXXX my nephew was in XXXX XXXX Airport and have a problem with documentation and need help, he was in surprise visit. 
She them told me that we need to wire {$1200.00} to XXXX XXXX XXXX in XXXX XXXX XXXX XXXX and as soon we have that money there we can go to the Airport to pick up XXXX. 
I went to send the money thru Intermex with the numbers XXXX for {$300.00} and XXXX for {$950.00} after that we rush tothe Airport hoping to find my nephew everything was scam my nephew I learn later was in XXXX and XXXX XXXX XXXX disappears. 
I waiting from intermex with response to who took the money in XXXX XXXX XXXX XXXX with no avail My ph number XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX
I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted Transunion and XXXX and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with Transunion. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, becase my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my teenage daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.
Experian REFUSED to provide me a credit report for a declined loan based upon credit information Experian proved to the lender ( XXXX XXXX XXXX/XXXX/2015 )
I am having issues with my XXXX XXXX credit card. Earlier this year i had some fraud occur on the account and it lead to a late payment to my credit report in XXXX of 2017. I contacted citibank and they sent me a letter stating that a request was sent to the credit bureau to have the 30 day late payment removed. It has not been removed and I have disputed with credit bureau and they state citibank is not removing from bureau.
I also have another recent issue with them where apparently my mail is being returned to them from the post office so i did not receive my last statement and the account went 31 days late. I tried calling in to speak to someone onXX/XX/XXXXand the fees were credited due to the proof of the mail being returned but i am afraid they are going to do to me the same thing they did earlier this year. Neither of these issues are my fault and need to be token care of.
I contacted RMP services on XXXX17 - and spoke with a representative, I advised them that I had medical insurance coverage at the time ( that is still active ) through my employer, and that I had provided the emergency room registrar with that information. The representative stated that she did not believe me and did not care even if that was the case, that I needed to give her my bank account or credit card information and pay it myself. 
I told her that I pay a large amount every paycheck to have the XXXX XXXX XXXX XXXX coverage that I have, and I am not liable for this fee, it was covered, and that I have my insurance card info so they can bill my insurance company appropriately. 
She said that they do n't do that there, and that the only kind of cards they take are credit cards, and hung up on me.
Hi, my big problem comes from being under Navy Federal Credit Union when I was XXXX the XXXX as a XXXX. I only XXXX 2 years but was XXXX. Before I was XXXX under XXXX circumstances, I took out a XXXX Loan from Navy Federal cause I had some things I wanted to get started on New computers/ Travel Expenses/Car since family Lived in XXXX while I was stationed in XXXX . The main stipulation to the contract that I signed was that I paid extra for a coverage that my Loan would be covered IN FULL. If I were to ever be XXXX from the XXXX of my own will and not XXXX. After Wards I had my account frozen since I was low on funds and trying to find a living situation when I got out. I was constantly being reminded by Navy federal for my payment which I was never late on until I was XXXX. I mentioned to them that my contract states that it would be covered if I get XXXX through means above me. They constantly ignored me asked for me to pay my bills ect. until I went to a Navy Federal Branch in XXXX that I was told the exact thing that I could have my debt handled if I contacted their insurance provider. So I did just that, Sat through hour long phone calls though operators/ Automated voices, I finally get in contact to a insurance provider. They have me Fax them the contract including my XXXX which is military XXXX papers, I danced with them for Weeks close to a month. I kept getting retorts that my Fax did n't go through or I had to deal with another Operator which was n't the same dealing with the case at the time. So I threw my hands up and gave up thinking I got swindled and lied to into a massive loan that I could have paid for if I stayed in the service. The Reason Im also filing a complaint is cause I saw that Navy Federal is under fire for Debt Collecting.
I called JP Morgan and  chase  on  XXXX / XXXX / 2017  where they mysteriously told me that my account is closed and they can do it anytime at their discretion which is true but if they had closed the account I called in on  XXXX / XXXX / 2017  to send in a wire of {$220000.00} as I work for an international company and it 's on record they gave the account details including the  XXXX   code  and all whereas they could 've simply told me the account is closed. They have even blocked my funds amounting to {$9300.00} without my approval. I would request urgent assistance as these are the only funds I have access to.
Complaint against JG Wentworth Mortage/Home Lending On XX/XX/19, I made a payment to my Mortage company that was significantly larger that the amount due. My expectation was that this would follow the normal process, and the excess would be applied to principal. Instead, JGW took the excess, and considered it a forward payment on XX/XX/XXXX. Upon seeing the mistake on their website, I contacted them, and was assured that the mistake would be corrected. It was not, and 4 more  contacts were made in XX/XX/XXXX, and in each instance, I was assured that the problem would be corrected. On XX/XX/19, I was told that their computer system was incapable of making this change, and that they could not correct the error. 

Although this may seem like a minor problem, please note that I made several principle payments in XX/XX/XXXX, and my monthly interest cost has dropped from {$1300.00} to {$900.00}, so XXXX is awarding themselves {$400.00} for their incompetence. 

Their customer service in this situation has also been horrible, they make promises to call me back with resolutions, and never do, and when I submitted an e-mail about the situation, they failed to provide a suitable response.