WillisBack/dataset-financial-user-claim huggingface dataset:
I have inaccurate information on XXXX of my credit reports. I have credit card accounts back from XX/XX/2000 that were paid, never late, and have been closed over 7 years. I 've called the companies and they ca n't locate any record of the account because it has been so long. I am told to take it up with the credit report agencies. When I call them, I repeat myself over and over again for them to take my dispute.
I requested a loan, the company used my information to quote on a loan rate of 6.575 %. After applying for the quoted loan, and providing all the documentation requested to verify the quoted income ( bonus plus salary ) the company revised the offer up significantly to a rate of 8.74 %. After discussing multiple times with the company representatives my year end pay stubs the representives told me the company had a proprietary formula to disregard all company performance plans as income even though their instructions say providing two years of documented bonuses would constitute income. The representative stated multiple times that sofi choose not the accept the documentation provided by my small employer as they labeled it differently from one year to the next therefore I did not earn that income. It was clear in my conversations that the Company had no intention of honoring the original quote so they were choosing not to recognize the income to give a reason to change the offer. It appears to me this company is using bait and switch tactics to lure consumers with the promise of lower rates than they will actually offer.
I recently moved to a new apartment ( XX/XX/2018 ) and was approved for the lease after the apartment complex confirmed my credit history. Upon moving in, I contacted XXXX XXXX XXXX ( XX/XX/2018 ) to request internet at the new apartment and they performed a credit check with Equifax. For some reason, this came up with a block on my credit and after submitting all of my information to Equifax trying to verify my identity ( Driver 's License, SSN, DOB, Address, etc. ) they came back and told me it could take up to 30 days to process the request and verify my identity. I have no idea how I was approved for a 12 month apartment lease in consecutive years and my credit appears clean, however Equifax has placed a block on my credit making it all but impossible to get approved through XXXX XXXX XXXX for wifi. I must now have a Co-signer on my internet account ( $ XXXX/month ) when I have not needed a co-signer on either of the two apartment leases ( each over $ XXXX/month ) that I have applied for over the last two years. They will not discuss why I have a block on my credit. I do not know what else to provide to verify my identity, and as I work from home I need wifi to do my job. Their incompetence and unwillingness to help me resolve my issue is extremely frustrating and I would like an explanation from them on why I am unable to receive credit approval for an internet account.
I am writing to request a justification for US Bank charging {$5.00} for me to make my mortgage payments online. Is it somehow more expensive for you to manage online payments than to process physical checks? I would think it is actually cheaper. I pay all of my bills online, and this is the only one that charges me for that " special privilege '' in 2016. I feel this is an unfair business practice and can not be justified with a business reason.
I have already submitted a complaint about XXXX/Navient. I remembered another piece of information about how they treated me unethically. Since they would n't offer me any type of solution to reduce my payment ( I was behind on payments because I could n't afford them and they would n't help me ), they did offer me to take my past due balance of over {$2000.00} ( That 's just from a couple of months of missing payments ) and they would reduce it to {$0.00} so I would n't be defaulting, but they were going to capitalize it on the principle balance. I also discovered looking on my Navient account history that when I had only been out of XXXX school for 6 months, they already capitalized over {$9000.00} on to my principle! XX/XX/2008 Capitalized Interest {$9900.00} I graduated XX/XX/2008
At the beginning of XX/XX/2018, the mortgage on my home at XXXX XXXX XXXX, XXXX, VA XXXX, which until that time was held by Sun West, was transferred to XXXX XXXX XXXX. At approximately the same time, XX/XX/2018, the premium for the insurance was due. Subsequent to this time, I was informed by XXXX that the payment had not been received ; so I paid it. Later, I received a check reimbursing me from XXXX and informing me that the premium had been paid ( by Sun West ). I have now received again a notice from XXXX that the premium is due ; and, upon inquiry, I was informed that Sun West stopped payment. 
At this time, I have again sent in the payment, which was to be paid out of escrow, for the insurance premium. Subsequent to XXXX  informing me that the premium was due, I contacted XXXX XXXX and they stated that Sun West owed it ; so, I have two mortgage companies each saying the other owes the premium. This is the second year in a row this is happened.
I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and BMW FINANCIAL SERVICES with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
I am a co-signer to an account with my sister at XXXX XXXX. I am in the military and while XXXX, several late payments were made to this account. During this time frame I was not successfully contacted by XXXX give where I was and the difference it time. I got the notice from my credit monitor service through XXXX. I immaterially got access to my sisters XXXX account and made the payments and have since taken over payments. I asked XXXX under these circumstances if they would consider doing a curtsy removal or goodwill removal of the late charges and that I could set up automatic payments though my bank account. There response was that they could not do this due to policy. 

the late payments in question occurred on the following dates for the following amounts : XXXX XXXX for {$270.00} & XXXX XXXX for {$270.00}. 

On my part I have called the creditor to ask for a goodwill removal of the reporting given the unique circumstances related to the late payment. After a long conversation with the XXXX of the call center I was told there was nothing they could do. I made this phone car on XXXX XXXX XXXX
PNC IS REFUSING TO REMOVE 2 VERY OLD ACCOUNTS FROM THE CREDIT REPORT EVEN AFTER PROOVING THAT THEY WERE IN VIOLATION OF FEDERAL STATUTE OR LIMITATIONS ...
Why does my interest rate keep increasing and decreasing at random? I have been paying on this loan sinceXX/XX/XXXX and the principal and interest keeps flucuating. Example : on XX/XX/XXXX the interest payment was {$120.00} but on XX/XX/XXXX it was {$130.00}. On XX/XX/XXXX the interest rate was {$120.00}. 

This is a Wellsfargo account, and I have automatic payments. Please help with this concern. 
Thank you, XXXX XXXX
Experian is not only stating that they will not investigate specific accounts anymore ( which Congress states is a violation of section 1681 as I am providing specific details in regards to the accounts that I am disputing ), but they are also required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that # 1 these accounts are verified and accurate and # 2 that they will not investigate certain accounts anymore. 

If you see XXXX V XXXX 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.
FIRST GUARANTY MORTGAGE CORPORATION VERY DECEPTIVESince End of XXXX of 2015 I have been trying to streamline my loan based on the new Federal Goverment Program to cut down PMI and if posible get a better interest rate, but my Mortgage Servicer has stoned wall the process. I have had it to my neck with the bank. They would not reply my phone calls anymore and I have been prevented from going to another bank because the bank would not release my FHA number or provide me with the information if they would assign my mortgage tax ( XXXX ) to another bank. I just keep getting Good Faith Estimate every month for nothing just to keep tied up to their scheme. The bank operates with dishonesty and would not provide information needed. It does not take 3 months for a bank to streamline it 's own loan. My phone calls dont get returned at all. I wish I have a legal option against this bank for wasting my time and raising my hope of saving money.
I'd like to sell my house which is currently under the HAMP mortgage program. It's been over 3 years since this mortgage was established. I'm current on all payment and have an good track record with the mortgage company XXXX XXXX XXXX based in Colorado. I owe more on the house than what I can sell if for. I was told when I received the new HAMP mortgage from XXXX ( they subsequently sold it to Statebridge ) that the deferred principle would be forgiven. I discovered this two week ago when I asked for a " payoff '' document. The payoff document said I still owed the entire amount of the XXXX redo mortgage. Statebridge is not responding to my last two email request. Below is information on the PRA statuteCan you help me? - Thank you - XXXX XXXX How the PRA Program Works PRA is a deferred principal reduction program that allows a borrower to earn the principal reduction ( the PRA Forbearance Amount ) over three years. Over the three-year period, one-third of the PRA Forbearance Amount will be forgiven each year ( on the anniversary of the borrower 's first trial modification payment ) until the entire amount is forgiven, as long as the borrower remains in good standing. In this manner, the entire PRA Forbearance Amount is eventually reduced to XXXX. ( If a borrower loses good standing, any reduction in principal that has not already been forgiven is considered a non-interest bearing principal forbearance for the remaining life of the loan which becomes due when the borrower sells, refinances, or at the end of the loan term. ) Borrowers who receive a principal reduction under PRA should consult a tax profession to discuss potential tax implications related to the principal forgiveness.given principle. I recently found a stipulation in HAMP loans.
I have realized that TransUnion has been charging me a subscription for something I did not sign up for. I have spoken with them and they can only tell me i signed up for a subscription, and allowed me to cancel WITHOUT A REFUND. The cause is from one of two things : either I tried to get a *FREE* credit report on XXXX XXXX, 2017 OR i signed up for a FREE " view my fico score '' through my new XXXX XXXX XXXX card 's phone app. The phone app said it was free access to monthly updates about my credit score. they wo n't even tell me on the phone how i *got* this subscription. I never wanted it, and it 's been charging me and i 've received zero information for anything i 've apparently been paying for. In either case, I am sure i am a victim of the issues I found that the CFPB has discovered, mentioned in the article here : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-transunion-and-equifax-pay-deceiving-consumers-marketing-credit-scores-and-credit-products/ What do I do to get my money back?
Hello, I began making purchases of digital currency in or around XXXXXX/XX/ using a JP Morgan Chase-issued credit and debit card. In XX/XX/XXXX, I made another purchase of digital currency in the amount of {$250.00} using my debit card. On XX/XX/XXXX, I was charged a {$7.00} service fee for a non-ATM cash fee relative to the {$250.00} purchase. I was not informed by my card issuer that I would receive penalties for purchasing a digital currency asset. I do not believe these are fair practices. Im certain other consumers have been affected.
TOYOTA FINANCIAL, creditor, auto loan account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. TOYOTA FINANCIAL has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX  to resolve this matter.
This bill was as a result of a work related injury. The original party where I had the service performed was notified on more then one occasion of the XXXX XXXX insurance information. witch was XXXX. They failed to bill the insurance company. They had everything they needed and they just did not follow threw. Now it has been several years and the XXXX XXXX case has been closed. I do not feel I should pay because they did not do there job. And will not pay on principal alone. I will file a small claims case against them and you because it is not my debt. If that does not work it will just sit there until it becomes to old to collect. because as I said that should have been paid by XXXX insurance. Every other party involved the hospital the doctors all got paid and it is there own fault they did not. Thank you XXXX XXXX.
On XX/XX/XXXX i upgraded my Equifax membership after i received notification and a confirmation number that the previous disputes about addresses that did not belong to me were all removed.

On XX/XX/XXXX i attempted to dispute inaccurate information on my report when i noticed the same addresses that were disputed and removed reappeared along with an unauthorized hard inquiry that was also dispute. 

On XX/XX/XXXX at approximately XXXX XXXX, i called Equifax about those addressing and an unauthorized hard inquiry being reinserted back on my credit report less then a month after their removal. 

I spoke with several different employees that continued to bounce me around to about 4 different employee telling me its nothing they can do, from caller to caller until i final ask for a supervisor, she told me her name was XXXX I explained the situation but she was unhelpful, i ask her why were those addresses reinserted or not removed from my report, i provided her the confirmation number for that removal. 

Supervisor XXXX said the addresses were my previous addresses i told her those addresses do not belong to me. Then she ask me if the address were fraud, i told her i do not know, because they are not mine, then she ask if i thought it could be someone with a similar name as mine, i told her i dont know, i want them removed. 

Supervisor XXXX said she cant remove the addresses because its tied to a creditor, i ask her for the creditors information she said she cant give out that information, i repeatedly asked her who is the one reporting these addresses, who is the creditor, she said she cant give out the information ... so i told her i believe is a computer glitch by Equifax. 

Supervisor XXXX said its not a glitch, i then asked how can you report addresses on my report and not provide me with the creditor who is reporting them. Supervisor XXXX kept repeating over and over i cant give you the names of the creditor. Between me getting bounced from employee to employee the call lasted about 1 hour and 34 mins.

I wanted to add i was told by 3 different employees and Supervisor XXXX that i can not dispute a hard inquiry with Equifax even through Equifax provides a dispute page for hard inquires. I was told i need to wait 2 years even if the hard inquiry is not authorized. 

After a frustration long call i ask to speak with her supervisor, but she said its her manager. I was left on hold for 17 mins and no one ever returned, just left me on hold.
XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. 
no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433.

The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
I am writing in regards to a problem regarding my mother 's estate. She was diagnosed with XXXX and is now deceased. The bank ( JP Chase ) that her loan was with, I applied for modification I was told by them that I needed to have my name on the deed which I had a probate lawyer help me with this and I have a court hearing for XXXX XXXX 2016. I had notified the bank with all my documents faxed to them with my lawyers letter showing proof. I received a letter from the bank date XXXX XXXX that they had received all my paperwork and that they will call me if they need additional information. I called the bank again to check the status of my modification and they told me that my house has a sale date for XXXX XXXX, and that they were unable to reopen my file. I went to the bankruptcy court in XXXX and filed chapter XXXX to stop the sale date. I then faxed a copy of my bankruptcy case to the bank and called them to make sure that they had received it, they then told me yes and that they were going to investigate and call me back. As of today XXXX XXXX they have not contacted me I received yesterday a letter from a third party that the had bought my property. 
JP Chase Bank has been giving me the round around with my loan modification. The letter that I received with the representative who was working on my file never returned my phone calls, and even when I scheduled with her to call me XXXX XXXX @ XXXX SHE never called me, I had to call myself and ask for her then I was told she was UNAVAILABLE!!!!! 
The XXXX should be notified and have someone go to Chase and re-train employees on communication skills. I am beyond disappointed with my experience with Chase, I will never have any family members or friends that I know bank with them. They are dishonest & do not honor their customers & people period. I have all my documentation that I faxed noted with whom I spoke too and dated.
I was having my paycheck garnished for students loans. I contacted a company who told me they can stop the garnishment and lower my payments. The company is 77 Elite in XXXX XXXX Florida. I was asked to make an upfront payment before they can start. I did and it was a large amount they charged me. This occurred over a year ago. I am constantly being asked to fax paperwork then I get it from 77 Elite that it isnt clear for me to fax it again. When I call they give me the run around saying they are handling the situation but nothing. I keep sending the same paperwork over and over. I then get we need new paperwork because the documents they have are 30 days over but why didnt they send the paperwork to my student loan company its their fault. Im tired of sending documents over a year and no answers.
I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX XXXX  XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
On XX/XX/XXXX I pulled my credit report from credit check total. To my surprise I stumbled upon 3 Bankruptcy Accounts reporting in public records. So I wrote a letter to the Bankruptcy Court In Illnois informing them of the inaccuracies of these accounts reporting on my credit file. And on XX/XX/XXXX The Bankruptcy Court Of Illnois informed me that they do not provide information to the credit bureaus. So on XX/XX/XXXX I wrote to all three credit bureaus informing them of the letter I received from the  Bankruptcy court of Illnois stating they do not furnish information to none of the three 3 credit bureaus. And on XX/XX/XXXX XXXX removed all 3 Bankruptcy accounts from my credit file. I recently checked my credit file an seen that XXXX had removed the Bankruptcy from my credit file between XX/XX/XXXX and XX/XX/XXXX. And then XXXX added the bankruptcy back to my credit file between XX/XX/XXXX and XX/XX/XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify e in writing within 5 business days. I received no notification. This is a very serious violation for XXXX. Experian have yet to respond to my letter I sent certified mail on XX/XX/XXXX in which certified mail states they received my letter XX/XX/XXXX. I herby demand that you immediately delete the items from my credit report. Bankruptcy Reference # XXXX Bankruptcy # XXXX Bankruptcy # XXXX