WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2006 I went into contract with GMAC to lease with the option to buy a XXXX Pontiac Grand Prix. When I signed the contract, I was told that this would allow me to buy the car if I felt I wanted and I did n't have to go through the whole process of reapplying for a loan. So I ask the lady who I signed the loan with, what does that do to my credit and she replied the balance would change and the monthly charges. I was fine with this. After looking at my credit report more closely I noticed that they stop reporting the correct date of when I leased with the option of buying the car and reported the new date of when I decided to keep it. I would not have signed for the car if I knew it would start the clock of the original debt all the way over. Please look into this situation as I was promised something that did not happen. Now I have debt from XX/XX/2006 with bad history still reporting on my credit report from 12 years ago.
I had to get XXXX involved with a billing dispute with XXXX XXXX XXXX because of their lack of performance. When XXXX stepped in, XXXX XXXX XXXX finally adjusted my bill. The final balance was {$87.00} which I paid. BUT ... what XXXX XXXX XXXX did in retaliation was send the bill to collection even though they were told I would not pay until the bill was adjusted. So there it sits effecting my credit. I tried to dispute the account with the collection agency, Enhanced Recovery. They zeroed out the balance and moved it to " removed collection ''. I just checked my credit and they moved it back to " closed collection '' which is effecting my credit. THIS is ridiculous!!! It should have never been sent to collections in the first place!! The act was retaliation for getting XXXX involved in XXXX XXXX XXXX lack of performance!
I purchased a MoneyGram money order # XXXX for {$450.00} at Walmart in XXXX NJ and gave to my landlord who lost the money order and requested a replacement money. I paid {$15.00} to MoneyGram and requested a " replacement '' money order and they sent me check XXXX for {$450.00}. i tried to cash this money order at XXXX different check cashing businesses in New Jersey and none of them can cash. I went XXXX to a Walmart store who provides check cashing services and was advised the industry standard check cashing scanner can not read the check, the numbers are up too high on the check. I reported to Moneygram and they sent me another replacement check # XXXX on XXXX/XXXX/2015, another check that can not be read ny industry standard check scanning equipment. I have filed a complaint XXXX. I have asked MoneyGram to send my refund via money transfer to my local Walmart store via where they can provide me with a reference number and i can go into the store and pick up my {$450.00}, they are stating they only process refunds via check. That would be fine if I could cash the check and obtain my money which I am not able to do with their document. This process has been going back and forth for 30 days now and this is ridiculous. Moneygram is not trying to assist me with obtaining my money by sending me refund checks I can not cash. The numbers are way too high on the document and can not be read. Not even moneygram distributing retailers wo n't touch this check
I have REPEATEDLY requested my credit report from Equifax both online an over the phone and they do not respond appropriately and claim to not have the requests. They insist I FAX a copy of my drivers license to them! Absurd! No one has a fax machine anymore, and funny how I can access the other XXXX companies without issue. They have very obviously multiple errors on my account, and I have tried to dispute them online, by email and phone. They have never sent or displayed my report through them, the " security questions '' they ask to access online are WRONG-NOT MINE- so the " correct '' answer, none of the above, makes them deny me access! I have had no trouble whatsoever getting into my accounts with both XXXX and XXXX recently, and they did have XXXX error each, but that is all, and corrected it immediately and without hassle. Equifax has given me this run around, has obvious errors, as their FICO score is nearly XXXX points off the others and they ask me " security '' questions which are NOT MINE AT ALL and then ignore my complaints about such. Meanwhile, I am being denied the best rate for my new car purchase, which I deserve, thanks to their negligence.
XX/XX/2015 when my car lease was ending The BMW of XXXX, NJ called me to return my car and get a special deal on the lease of the new car. After vehicle was inspected by BMW dealership I had reach mutual agreement with the agent-XXXX to the amount of my financial responsibility for extra mileage and wear and tear cost.Subsequently, once I was satisfied with the financial terms of the returned car I negotiated with agent the terms of the new car lease. During our negotiation XXXX frequently consulted with his superiors the terms of the new lease. Finally, We have reached mutually accepted agreement in regard to the terms of the new lease. In fact, I was assured by CFO XXXX XXXX XXXX of BMW of XXXX that all financial terms agreed by both parties were final. Thereafter, I paid him down payment which included all my financial obligations negotiated with the dealership. Surprisingly, 4 weeks into the lease of my new vehicle I received a letter from BMW Financial Services NA, LLC demanding payment of {$750.00} for wear and tear of previously returned car. I believe there is some disconnect and possibly some misrepresentation between the BMW dealership and BMW financial entity. It is possible that there is dishonesty in their business dealings by agreeing negotiated terms and then billing the client for any shortfalls even though this had been agreed with the dealership.
Exactly how many days in billing cycle from XX/XX/2017 -XX/XX/2017 exactly how many days in billing cycle from XX/XX/2017 -XX/XX/2017 how much interest for each cycle how do you calculate interest? answer clearly so i can understand please 18.95 % x principal x days? use my principal amount to explain is this a subprime loan?
i called the collection agency for my debt verification. but they cant verify it. and it wasnt on their system. and said that they will remove it on my credit report. its been 2 months i believe but its still shows on my credit as open and with negative information.
I ordered a credit report ( see attached document ) from XXXX on XX/XX/XXXX ( # XXXX ) and after a month had not received a response regarding a dispute submitted on-line. The disputes were in regards to derogatory accounts by Pentagon Federal Credit Union ( PCFU ). These PFCU accounts had been included in a bankruptcy which was successfully discharged in XXXX of XXXX and these two PFCU accounts were scheduled to be deleted from all of my credit reports ( XXXX XXXX XXXXXXXX XXXX by the end of XX/XX/XXXX having been discharged and over 7 years since closed. I called XXXX on XX/XX/XXXX regarding the status of my dispute. Although I never received an outcome of my dispute from XXXX, the XXXX customer assistant told me that PFCU account XXXX was deleted but that PFCU account XXXX was not. XXXX XXXX shows account XXXX as OPEN and PAST DUE derogatory. This is false as 1 ) the debt was paid in full and discharged, 2 ) the account was closed over 7 years ago, 3 ) is not past due. XXXX   told me on XX/XX/XXXX that this account will stay on my report indefinitely and that it is not derogatory. I know that this is not true and filed another dispute - XXXX dispute # XXXX. 

If you see my past history of disputes, you can note that PFCU has done everything that it can to keep incorrect credit history on my credit reports. PFCU is now AGAIN attempting to unlawfully collect on this account Also attached are documents showing this and all PFCU accounts 1 ) included in bankruptcy and 2 ) having been successfully discharged.
I HAVE RECEIVED COMMUNICATION FROM AGENCY REGARDING A DEBT COLLECTION BUT THEY INDICATE THAT IT IS SEVERAL COMPANIES THEY ARE REPRESENTING BUT DO NOT IDENTIFY NAMES OF THE COMPANIES. THEY STATE ( SEVERAL ). I HAVE SENT CORRESPONDENCE REQUESTING THE NAMES OF ALL DEBTORS TO AVOID DUPLICATION OF DEBT COLLECTION ON THE SAME DEBT FROM VARIOUS ENTITIES. I AM WAITING FOR THAT REQUESTED INFORMATION.
XXXX, as required by law, offers a method to obtain free credit reports from the 3 major credit reporting agencies. It offers an online method through XXXX. However, just as I did when I tried a few years ago, when I selected free credit reports from all three agencies, after I completed the steps for the XXXX report and received it, I clicked on the tab to move on to the next report ( the XXXX report ).  The next screen gave me the option to exit the site or cancel. It did not take me on to the XXXX report. 

This is what the agencies do. They put up obstacles to getting free credit reports in the form of glitsches in the online process. The website does n't work and the consumer is left to use a slower and more cumbersome process, such as ordering by mail, or paying for the reports. 

This is a SCAM that the credit reporting agencies have been running for years. It happens every time I try to be my free credit reports.
Last year after XXXX got caught messing with my escrow, the CFPB helped me out and got them to make some sort of terms with XXXX. As a result of this, my mortgage was sold to Carrington Mortgage Services. This year, Carrington cleaned out my escrow again, just like XXXX and now has decided that there is a shortfall. With little notice or opportunity to put money back into my escrow, they have elevated my escrow payment to more than I am paying on principal and interest. I feel that they are trying to cause me to default or fall behind on payments with the intent of charging fees and such.
GM Financial is reporting that we were late on our vehicle loan, when we no longer owned the vehicle. We traded our XXXX GMC Acadia into XXXX XXXX XXXX on XXXX XXXX, 2015. GM Financial reported that we were 30 days late on this vehicle on XXXX XXXX, 2015, 25 days after we traded the automobile into the dealership. They claimed that they never received the first check, so the dealership overnighted them one on XXXX XXXX. I called to verify that a payoff was sent to GM Financial and the dealership claimed one was sent out on XXXX XXXX, 2015. I asked that all copies of the check be sent to me and I would contact the finance company back. I did and they still do not want to listen and correct the reporting. The check was sent to them, but they did not apply it to the account, instead disposed of the check as to retain all the refund money up in late fees.
TD Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX XXXX, 2017 at around XXXX the teller behind the counter stated the TD Bank branch which she stated was branch # XXXX had no one Hundred dollar bills. I was making a Checking Withdrawal of {$3800.00}. The teller stated her name was XXXX. 
When I requested to speak with a branch manager XXXX and Senior CSR XXXX stated none was available to speak to me. 

It is hard to believe a TD Bank store has no Hundred dollar bills available. 
It is hard to believe a TD Bank store has no Branch Manager available to assist customers.
Credit bureau is reporting inaccurate information that is not mine. Creditor has no contract with me therefore information is unauthorized. 
XXXX acct # XXXX XXXX acct # XXXX
Vehicle payment is past due. XXXX was contracted by lender, Ally Financial, to repossess the vehicle. Unable to locate the vehicle for repossession, " investigator XXXX '', an agent of XXXX, identified himself as law enforcement, made false statements about imprisonment and crimial charges to myself, my husband, and to elderly third parties at my home address. " Investigator XXXX '' also called the elderly family members on their personal cell phone and made additional threats of imprisonment and XXXX. XXXX working for Ally Financial have threatened imprisonment, have harrassed myself and family members at home, telephone harrassment, and impersonated law enforcement. Ally Financial and XXXX have violated The Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( CCPA ).
I was identified to Mortgage Lenders of America through XXXX. They contacted me and at first they were unable to provide me with a loan option. Per the loan officer, he called me back and stated after some digging he infact found out that I would qualify for a USDA loan. We moved forward and I provided all requested documents promptly. Documents included income pay stubs and bank statement. I paid for multiple inspections and the appraisal. He even stated that I could put notice to move from my rental. We were on target to close. Two days before close he stated that I was denied the loan and was unable to provide me with actual options to fit my needs. He then became very disinterested and vague in responding to my questions directly and timely. It then took him several weeks to send me a denial letter in writing so I could move forward. I had also requested a refund of fees I paid out and he ignored my request. After i reached out to his supervisor. I then received another vague response stating " I dug into this more and unfortunately we can not refund the appraisal amount. '' After speaking with other loan officers about this they tell me in their experience it should have been caught early on and not made it as far as it did.
I sent XXXX certified letters in reference to XXXX XXXX and XXXX accounts to remove the verbiage that I disagree with dispute. I said I DO NOT DISAGREE, so there is n't anything to resolve!!! Today they were both added back, why???. 
XXXX - " Dispute resolved ; customer disagrees '' XXXX XXXX - " Dispute resolved ; reported by grantor ''
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account in question in the amount of {$300.00} that you have been reporting negatively on my credit report without proper notice. You do not have permission to contact me by physical mail, phone, nor e-mail. All documentation may only be uploaded through this portal. If you can not provide adequate documentation showing that I have ever done business with Debt Recovery Solutions with my signature on it than you must remove this negative tradeline from my credit report at once. Debt Recovery Solutions did not follow through with the proper notification before placing this debt on my credit file which is against the law. If this tradeline is not removed Debt Recovery Solutions is subject to have legal action taken against them.
FIRST COMPLAINT IS THE AMOUNT THAT I PAID IS NOT WHAT XXXX STATED THAT I OWED. THEY PUT THIS ON MY CREDIT ( IN WHICH I PAID THIS WHOLE BALANCE IN FULL ). THEY ( CREDIT CONTROL CORPORATION ) MADE ME PAY {$150.00} WHEN MY BILL FROM XXXX.
I received a letter in the mail from Transworld systems inc regarding a debt collection on a traffic ticket from XX/XX/XXXX. The lady was really helpful and offered a dispute for 30 days and also made me aware of 2 other outstanding tickets from XX/XX/XXXX that their sister company XXXX XXXX was handling. I asked for the information and details about that matter. After getting off the phone with Transworld I called XXXX XXXX  and spoke to this lady about this matter. She told me that maybe my case would affect my credit score and I told her that I felt like I had paid this account in full. She said no sir you have n't and asked my how much I was willing to pay right then there. I then asked why I was n't notified of these accounts until now ( 6 years later ). So I asked if there was a manager or supervisor I can speak to or was it a pay or pay  situation and she said yes you have to pay. So my deal is that they waited all this time and the interest that accrued is just insane ( original amount given to Transworld {$330.00}, amount owed now {$620.00} ) and XXXX XXXX original amount {$520.00} to {$820.00} now. It 's not fair that they did n't contact me and now I supposedly more than twice the original amount and I do n't have receipts or anything it 's been so long.
An account held with Barclays Bank Delaware is currently reporting to the CRAs. The information furnished is grossly inaccurate. A number of direct disputes were made with both the CRAs and the Creditor. The responses have been off topic. At present, it seems as though Barclays Bank DE is in violation of the Furnisher Rule 660.4 ( a ) ( e ). A dispute exists in regards to the terms, high balance, payment dates, closure date, incorrect account number, and others. This information affects my creditworthiness, credit standing, credit capacity, character, general reputation, and lifestyle. Asked of Barclays what that the tradeline be updated or deleted. The dispute made was not found to be frivolous or irrelevant.
My home was listed for sale, a Coldwell Banker real estate client made an offer, went contingent and now has a pending sale. The Coldwell Banker agent sold the buyer that going through Coldwell Banker Home Loans ( mortgage lender ) would be quickest and easiest. The offer was made on XXXX XXXX with a close date of XXXX XXXX. That day has come and gone. The buyer has been 100 % cleared to close on his financial but Coldwell Banker Home Loans has an issue with the Lane the house is on. This issue arrises just two days before closing, they are questioning the maintenance of the lane. The realtor has been to the house with the buyers 3 times and the buyer 4 times. The Lane has always been a " private lane '' and the bank and real estate agent were aware from day one. The buyers were all packed and ready to go to closing on XXXX XXXX. They have XXXX small children and a dog and we found out we were not closing at XXXX ( just XXXX hours before closing ). 

The home is located on a " private lane '' and when I say private, I mean there are XXXX occupied houses directly off the XXXX mile, paved/gravel lane, there are XXXX cars that utilize the lane daily, it is extremely well maintained. Its the only way in and the only way out. The Lane is in a populated area off a XXXX In XXXX, a deed was filed with the XXXX County Courts stating that the Lane will be a right of way to access all properties and will be maintained by current residents, aires and successors. The house in question is # XXXX of XXXX on the Lane. 

Apparently, Coldwell Banker Home Loans ( CBHL ) is creating a " what if '' situation and holding up the sale of this house. CBHL is trying to create a Home Owners Association, bully the buyer and neighbors. There excuse is " IF '' the buyer defaults on the house and does n't maintain the Lane and the neighbors do n't maintain the Lane, they may not be able to access the property. They want all of the neighbors to commit to the exact maintenance of the Lane. How much time they will commit, who will manage it, who will plow and salt, gravel, etc. This is an absurd request and they are abusing there power as a lender. The Lane has not and will not ever become impassable for any reason. I bought this property in XXXX and XXXX never even questioned the Lane. CBHL is sending an appraiser out to look at the Lane, however, he 's on vacation until Wed, XXXX XXXX. There is not and has not been any sense of urgency in this matter and they do n't care that this family is homeless at the current time. CBHL needs a reality check! 

I have done an addendum to the Sales Contract and the buyers have singed it and agree 100 %. If CBHL does n't give the buyers a clear to close by this Thursday, XXXX XXXX at XXXX, the buyers are to apply immediately with XXXX. 

I am in direct contact with the buyers and they are just as angry and I am. CBHL is taking peoples lives and recklessly destroying what should be a semi pleasant process for families. They need to be held accountable to process loans in a timely manner. The buyer did his part and as approved on his financial. CBHL is playing games and could careless about the family.
I contacted XXXX regarding a collections account that has yet to be removed from my credit file. XXXX informed me that they would do an investigation and I submitted documents supporting my stance on the matter. XXXX failed to notify me the status of said investigation, in addition they did not remove the negative information provided by the company reporting to them. The company name is XXXX XXXX XXXX and they have failed to provide proof with my signature on any consumer contracts yet they continue to report negative information on my behalf.
My XXXX Credit Report says Grant & Weber Inc XXXX Collection opened XX/XX/2015 {$210.00} This is not mine. I do not have a relationship with these people, and I have never heard from them. This is not mine and I need it removed so that I can get my new home loan! This is unfair.
On XXXX XXXX, I sent an investigation request to Equifax, XXXX, and XXXX XXXX. I am attaching a copy of the request I mailed in. As of today, only XXXX has responded. I was supposed to get a response by XXXX, and we 're almost through XXXX now.
This firm attempts to collect parking tickets that are 9-10 years old and refuse to act in accordance with the XXXX statute of limitations, in spite of many repeated conversations and warnings to do so. Specifically case number XXXX, for a parking ticket from XX/XX/2010, they are now attempting to collect {$160.00}. They have been contacted by phone and in writing multiple times to dispute the debt and the timeliness of their efforts, and every few weeks they attempt again.
I received a letter from XXXX indicating my credit score was low. When I called Experian regarding this, they said they had nothing to do with the score, that I would need to contact XXXX. I asked them why it was so low, and they could not tell me why. 
they only wanted me to by my credit score. Which I already know.
I sent bureaus information about this account not being mine. They have not deleted from my credit file.
DENIED CREDIT DUE TO XXXX XXXX, XXXX, AND EXPERIAN CLAIMING I HAVE HIGH RATIO TO BALANCE CREDIT LIMIT AND LENGTH OF CREDIT ACCOUNT OPEN
Focus XXXX XXXX opened an XXXX XXXX Account XXXX XXXX XXXX about 6 months ago. They claim that I owe them {$230.00} dollars when I dont have XXXX XXXX cable. I lost my wallet the previous year and I believe that it might just be identity fraud.