WillisBack/dataset-financial-user-claim huggingface dataset:
I made a loan 15 years ago to finance a boat with KeyBank. I have the contract which states that I must pay {$390.00} for 180 months. I have fulfilled that debt. Then at the end of my term, the bank sends me invoices stating that I owe {$1500.00}. But I can not get them to tell me what is the breakdown of that charge. 
I have already paid off the loan per my contract. There is not any late fees owed. In XXXX, I drove to XXXX Ohio from XXXX Ohio ( about 50 miles ) to talk to someone in person regarding this loan. I spoke to XXXX XXXX at XXXX regarding this matter .She promised to look into this matter, and get back with me. She never called me, and would not return my phone calls. I did finally get ahold of her boss, and he told me that he does not make adjustments at his bank. All this time, KeyBank continues to send me invoices stating that I owe approximately {$1500.00}. they continue to call me. I ask for a breakdown of that amount, andthey say that they do not have the resources to tell me what is the breakdown, or that they are just a call center in the XXXX etc. Finally about XX/XX/XXXX, I XXXX a sales and marketing manager who works for KeyBank in  XXXX ( about 4 hours away from me ) and his secretary provides a contact for me who is XXXX XXXX XXXX at XXXX. That was a long shot, but I finally got ahold of someone. XXXX states that she ca n't really give me a break down of the charges either, stating that she does not have the manpower to breakdown the loan either, and it is not an option that the loan department offers. So I have to ask, I have fulfilled my contract. I have paid 180 payments of {$390.00}. And I really need to know what is the breakdown of the {$1500.00}. I have a copy of my contract. I asked XXXX to not submit poor credit rating to XXXX while we are working on this matter. But she states in the email that she can not stop the poor credit reporting. I have credit over 800, and they are going to hurt my credit. I asked them to stop just while we work on this matter. I have fulfilled my obligation to the bank .I have the copy of my contract. The bank did give me my payment history, and I can see on their side that my payments have been made. So, I need to know the breakdown of the charges that make the {$1500.00} that they request. They ca n't tell me wither what is the breakdown. They state that they do n't have the manpower to do this. I am requesting that all credit reporting be stopped until we get to end of this matter.
Submitted application for Loan Modification to Dovenmule mortgage companies loss mitigation department..They have not stopped collections activity even though they have the application package return with all the documents. They sent someone out to my home today with documents to sign. I was not at home and they would not tell the person at the home what it was in regards to. They only stated that I needed to call the mortgage company. This is harassment. They are taking their sweet time process the application.
Monterrey Collections st ates in a letter that i opened an account with  XXXX   XXXX   XXXX  in  XXXX  of   XXXX  . I have not been a part of the MIlitary since  XXXX   XXXX  i do not have any knowledge of a loan with  Monterrey COllections or    XXXX   XXXX  . I have dispute this account numerous times and have asked for account verification. I do not have a contract with Monterrey COllections and i do not have any knowledge of an account with   XXXX   XXXX  .
Equifax said I had delinquency on my report. They also had a wrong score. Everything they told me was wrong, and I was denied a credit card because of it.
I am submitting this dispute in reference to a call that I made onXX/XX/XXXX. I do not know the exact amount because I have not had any contact with the company involved, FEDLOAN Servicing for about three or four months. They have a delinquent report from XX/XX/XXXX that is really negatively impacting my credit score and preventing me from buying a house. I have been working with them for several months on my loans and they were aware that because of some medical issues that I was unable to work or pay my loans back. They had been putting me on deferment fot the last probably 12 to 15 months to allow me to recover and go back to work. I have been trying to buy a house and in that process I found out that this had been reported delinquent in XXXX. I called them on Monday, XX/XX/XXXXand they said I had been under deferment since XXXX and XXXX which they said covered that and it should not have been reported delinquent. Also, according to the representative I spoke with it showed where I reach out to them in XXXX to check on why they were not contacting me or mailing me anything. I, also, was checking on my deferment Staub and they updated it and said they would remove the delinquent report from XXXX, but, it is still reporting even though I am on deferment and the companies representatives told me it would be removed because it was covered under my deferment.
Describe what happened so we can understand the issue ... 
I paid XXXX bills at Bank of America on the XXXX. I paid through their online billpay service. XXXX was the closing date for the month. Bank of America credited the XXXX payments for XXXX although I was paying XXXX bill as presented on bill pay. The next day I receive XXXX more bills for XXXX. I called on XXXX and I was told that they could n't switch the payment over to XXXX and that it would be " much more complicated than that ''. The whole process will take 5 additional business days ( with weekends that is 9 more days ). They would now need to credit the XXXX payments back and I would need to repay them again. The whole process would take several days in addition to me providing my checking account and routing numbers over the phone to a complete stranger. I asked to speak to a manager and continue to be on hold for the manager. I do n't want to lose the days of interest as they are figuring this out. I also paid the bill online and was told " never to pay my bill on the closing date ''. I held for the manager for another 10 minutes and was told the same thing. I paid my bill that was presented to me for XXXX online. It showed the minimum balance due. I then received XXXX more bills for XXXX the next day. I do n't want to wait 5 business days more to refund for a payment that was made 3 days prior. That is 8 days of additional interest. Both reps. at Bank of America can not just credit the payment for XXXX? 
Consent to publish the description of what happened? Consent provided Issue Billing statement Date of incident XXXX/XXXX/2016
Synchrony Bank, during the month of XXXX 2015 closed my Walmart Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Walmart Credit Card account has been closed due to returned payments. The referenced returned payments were additional payments on the account ; any and all payment that was due for the regular monthly payment were never returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
There are 2 Portfolio Recovery Associates for the amount of {$420.00} and {$2300.00}. I have sent Portfolio Recovery Associates a debt validation several times with no response. Both items does not belong to me. Portfolio Recovery Associates had reported both items to my credit report and removed it then placed both items back on my credit reports
agency posted against my credit report with no prior attempts at contact. Reported against XXXX different bureaus using XXXX different names " ONLINE COLLECTIONS XXXX '', XXXX and " ONLINE IN XXXX '', XXXX. 
They reference an original creditor, " XXXX XXXX XXXX '', with an account open date " XX/XX/XXXX '' and last reported date " XX/XX/XXXX ''. 

I have not lived in Florida since XXXX. 

After disputing the claims against my credit report, one of them dropped off on XX/XX/XXXX, 7 days after I filed the dispute. The agency then proceeded to re-post the same thing against my report again, today on XX/XX/XXXX. 

While it 's possible that " XXXX '' may have sent " bad data '' to this agency or someone may have used my information to open this account, that is all irrelevant as they have violated the law by failing to contact me, in writing before making any claims against my credit report.
Common wealth reinserted information that had been deleted in XXXX 2015. Common wealth agreed to remove account yet Experian continues to report account. Please delete account number XXXX from my credit report immediately as agreed.
Please see attached from the previous complaint I filed - # XXXX. I was not allowed a second response so I am filing another complaint. I was told my required payment was XXXX amount ( {$65.00} ) then, in another document that included intentionally reduced font, a second amount ( which was never communicated to me ). However, my insurance was billed ( they did not pay ) yet a XXXX amount - {$220.00} which i clearly did not agree to. By filing a medical claim in an amount in which I did not agree to, that 's fraud and a clear indication of the lack of ethics and desire of XXXX XXXX XXXX to fraudulently collect monies they are n't due and are n't owed to them. 

I am happy to pay what I legitimately owe - I will not pay what I do n't. I have a 30 year history of paying every legitimate bill with never XXXX late payment. My ethics are beyond reproach.
Zions is currently reporting negative account and balance information since XX/XX/2014. This account was settled and paid in a short sale back in XX/XX/2014. This acct is reporting in error and needs to be deleted.
Chase bank has hit my credit bureau twice in 2 months without my approval. I called them. they said I applied for credit cards. I informed them I did not. and do not want a credit card. they would not delete the inquiries from my credit. told me to contact credit bureaus which I did. XXXX said to contact chase and ask for letter of deletion. I have not received any help from chase. I 'm afraid they will continue to hit my credit without my approval. I want them to stop accessing my credit. 
I had fraud alert for past 90 days and yet chase was able to access my credit without my knowledge.
Pinnacle LLC C/O Resurgent Capital Services placed a debt on my credit report from 2014 just recently. My newest credit report shows them added when last month they were not listed. I never received any notification from this company about this debt. My credit report states the debt is {$1600.00} and this is all I know. I have no other information about this debt other then what the credit bureau states.
want to cancel my membership and am unable to do so. I work for the Federal Government and they recommended I request a free credit report through XXXX. I signed up for through this website XXXX and did not receive any information on how to cancel membership. My bank is being charged {$17.00} a month by TU TransUnion and I want it canceled now. TransUnion said they have no record of my account but their name shows up on my bank statement for the draft. If I do not hear back from Annual Credit Report, I will report this as a fraud to all credit reporting agencies and XXXX.
I am XXXX years old. I have for the last month been called from Conn 's Stores about my account at least XXXX times per day. They called a number that belongs to my daughter who is XXXX. She was called by Conn 's last Friday while at the hospital XXXX at least 5 times. I am being called from XXXX different numbers possibly XXXX. I have had this account for years. I have never been harassed like this before. I take this debt seriously and will continue to pay monthly. Since I ca n't drive I have to rely on others to take me to pay on this account. Their main concern seems to be that I paid late this month. I also have XXXX. I do not want this company to call me again. I will continue to pay until I have paid all of it. This is harassment with the number of calls received on a daily basis. Please make them stop. I have a good credit rating.
As of XX/XX/XXXX, according to Equifax, the balance on my account is showing it has only been current for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) and the balance shows as {$7600.00}. I have made payments on my account long before XX/XX/XXXX and as of present day of XX/XX/XXXX, I am 100 % current on my account. There is a great deal of reporting missing from the report. The current balance shown is incorrect. The report shows my last payment was XX/XX/XXXX. The account is showing on Equifax as being open since XX/XX/XXXX however the only reporting on the account according to Equifax has been XX/XX/XXXX and XX/XX/XXXX. This misinformation has greatly effected my credit score and ability to move forward in purchasing a home. This has caused a great deal of damage in my personal life.
After checking my Equifax credit report using a third party source I noticed that there were several hard inquiries ( XXXX ) on my credit report that I do not recognize nor did I authorize. These hard inquiries are not tied to any open accounts, they were not court ordered and they were not used in extention to any firm offers of credit. I have tried repeatedly to have these items removed with no such luck. These inquiries are damaging my credit image and credit worthiness making it hard to obtain positive lines of credit. These inquiries include : XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
TransUnion still has a XXXX XXXX XXXX collection on my credit report with them. This collection was part of a divorce and the legal documents were given to XXXX XXXX XXXX as well as the collection agency who reported it on my credit. The collection and balance has been cleared out with XXXX XXXX XXXX and has actually been completely removed from my XXXX credit reports, however, TransUnion is still showing this collection on my Credit report. I have sent supporting documentation to TransUnion about this issue as well as they can see where it has been removed from the other credit bureaus. XXXX XXXX XXXX shows a {$0.00} balance. This is n't a " paid '' collection but a " removed '' collection. The amount of the collection is {$570.00}. This amount needs to be removed completely and my credit score needs to reflect that. THIS IS NOT A DISPUTE! This collection is my Ex Wife 's responsibility and XXXX XXXX XXXX removed that collection because they were given the proper legal documents to do so. The collection just somehow slipped through the cracks with TransUnion and needs to be removed. 
Also, The XXXX XXXX account for {$1100.00} has in the comments, " consumer disputes this account '' please remove that comment and any comment that says I dispute the XXXX XXXX account.
I have notice the creditor have listed a negative that is placed for collection that is affecting my credit, I have reach out to all XXXX bureaus to have to have the item remove, please investigate the concerns so I can restore my livelihood
Please validate this information and provide me with copies of any documentation associated with these inquiries, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 





XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Equifax declines to remove these unauthorized inquiries ... creditor stated that their company could not remove and apologized for the trouble ....

XXXX is no better ; they have 11 unauthorized inquiries that they decline to remove ... and will not forward me any documentation bearing my signature ... creditor stated that they have no power and do not encourage bureaus to keep reporting unauthorized inquiries ... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
I became unemployed and started having trouble making mortgage payments I immediately applied for Homeowners Assistance XX/XX/2016. I was 1 1/2 half behind but was making partial payments. Nationstar applied my funds in suspense and made it appear I was 3 months behind and foreclosure process began even though I had a pending modification signing the Dodd Frank agreement. I was able to make partial payments to avoid further damage, but Nationstar rejected my payments and removed the online payment feature online to prevent me from making any payments. I called NationStar to get a reinstatement quote and was verbally given an amount of {$6700.00} to reinstate my loan. I gathered the funds and Nationstar gave me a account to wire only. I went to my bank to process the wire transfer and the bank manager could not verify the account number that was given to me and the name on the account that was given to me and the account did not belong to Nationstar Mortage. I refused to wire the funds to that account and called Nationstar and asked them to draft the funds from my personal bank account. The payment was processed XX/XX/2016 and my loan was reinstated and current. XX/XX/2016 mortgage was due and I made a partial payment of XXXX and learned Nationstar had created bogus fees and applied my partial payment toward these fees. I then received a statement on XX/XX/2016 stating I owed over 2 months worth of fees. I asked Nationstar what these fees were and was not given any answer. I also asked Nationstar to please apply my partial payment and apply towards my XX/XX/2016 mortgage and also to reverse fees. Nationstar has not complied. I believe I have been scammed due to unethical business practices and Nationstar is foreclosing again based upon ficticious fees and misapplication of funds.
I was given a credit card account by USAA in which I received zero percent interest on purchases until XXXX. This is now the third month they have continued to charge me interest on purchases. They have also opened another account without my permission.
Complaint : I do not have a contract with Captial One Bank USA NA. I am not liable for collected this debt owed of {$540.00}. I am not responsible for this debt. Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract. Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT It got deleted from XXXX but not from XXXX XXXX XXXX
Chase bank keeps trying to open an amazon credit card in my name I have called and report twice now and yet now a third and forth time the company is contacting me to open an account again. I 've wasted hours and hours contacting chase bank and they still continue to try to run an application which seems like every 3 months. Tell chase to take me out of there system and stop bothering me.
I have contacted ChexSystems several times about removing a bad address that belongs to someone else from my ChexSystems banking/credit report. ChexSystems keep telling me that the disputed address was provided by me. I have no record of this. At any rate, ChexSystems has my current and correct address on file ; there is no need for them to keep an additional erroneous address in my file. This put me in jeopardy of identity theft. I would like ChexSystem to remove the erroneous address. Thank you.
My Name is XXXX XXXX I am a XXXX with XXXX XXXX XXXX in XXXX, Id. I have a client XXXX XXXX who has asked me to help her short sale her property at XXXX XXXX XXXX XXXX XXXX XXXX, Id XXXX. XXXX 's property is in default due to a divorce and loss of income. The lender is Wells Fargo. I proceeded with the short sale. I listed the property for {$180000.00} and received an offer for {$180000.00}. Wells Fargo approved the sales price and gave us full approval to close. The buyer 's financing fell apart right before closing so we did not close. I received another offer for {$180000.00} and was in the process of getting it approved by Wells Fargo but those buyers got transfered out of the area. I received another offer for {$180000.00} but this time Wells Fargo came back with a counter offer of {$200000.00}. I called them and was told they had a Brokers Price Opinion done and it came back {$29000.00} more than the previous XXXX. In a XXXX of months that property did not increase in value {$29000.00}. I can not sell this property for that amount. The seller did try to sell the property her sell for {$200000.00} but did not get any offers. I disputed the appraisal with comparable sold properties and information about the small town of XXXX but Wells Fargo denied the dispute. I believe Wells Fargo is putting my Client in Harms Way by not accepting the original price of {$180000.00} which they did accept. I am attaching the emails from the Wells Fargo Negotiator, and the approval letter from Wells Fargo. I do n't know what else to do. I have tried everything to help this client and Wells Fargo is being unreasonable. The house is not finished and is in an area where there is not many properties sold in a year. XXXX XXXX loan number is XXXX. I would like you to look into this matter. I believe this is wrong and Wells Fargo is suppose to be helping the home owner not harming them. They are being unreasonable. XXXX XXXX XXXX
Nelnet was servicing my student loans. I did not qualify for in-school deferment because my school was not XXXX XXXX. There were several conversations about a forbearance and/or deferment for several months from XXXX XXXX through XXXX XXXX. The forbearance was finally granted and was retroactive to to XXXX XXXX, XXXX but covered all months between XXXX XXXX, XXXX through XXXX XXXX, XXXX. My account was brought current with Nelnet but was never updated with the major credit bureaus. This behavior is contradictory to the FCRA 623 ( a ) ( 2 ). They are direct violation of the the FCRA. I have asked customer service representatives to send me written proof of my forbearance but they keep sending me a payment history. The last representative I spoke with told me, " this is not going to help your credit report, we are not fixing that ''. My loans have been consolidated. prior to the consolidation, Nelnet refused to even acknowledge the forbearance.
I have been trying to pay a debt presumed owed to this collection agency. I have made XXXX to XXXX attempts but to no prevail. I have talked to a receptionist and they keep telling me to leave a message at another department so someone can call me back. I have yet to hear back from anyone to resolve this issue. I 'm trying to get financing on a house for my family. All I want to do is pay what is presumedly owed so this information can be removed from my credit file and credit report.