WillisBack/dataset-financial-user-claim huggingface dataset:
I was sold a vehicle that stop running and required a lot of maintenance after a few months. When approved I was advise nothing was wrong with the vehicle, also the inspection was up to date. I constantly tried returning the vehicle but no luck. I was advised by Credit Acceptance Corp that if I did a voluntary repo they would have someone come get the vehicle, resell it, and not report it to any credit bureaus. This voluntary repo is being reported to all 3 CRAs and the information being reported in inaccurate. There are also 2 tradelines on my reports for this account and both are reporting different, and inaccurate information. I also disputed, and sent 2 dept validation letters and received no response. It has been passed 30 days and by law this debt must be removed, or addition action will be taken.
To whom it may concern, I reported an unauthorized charge on my Capital One account with the amount of {$450.00}, {$3000.00}, {$2000.00} a couple of months ago. They have denied my claim due to their investigation there was no fraudulent activity and I was to be responsible for all the charges which I think is very unreasonable on my end. I feel like I am being accused of doing some kind of fraudulent activity on my own account base on their investigation. When I was talking to the person in charge of my claim at the time they were saying that all of the evidence match everything about me from name, address, shipping etc. Then they sent me a report through mail with detail evidence. On their report indicates that shipping address matched but on the tracking information did not match because I live in XXXX and the delivery address was in XXXX. This tells me that their investigation was not very accurate and due to that they are making me responsible for the charges I did not make. I will attach the documents.
On checking today, XX/XX/XXXX, because of the news of the Equifax hack I found that my information may have been exposed to hackers. I believe that this is because I use services that use Equifax to report on my credit score. Unfortunately now I have to put alerts, warnings and closely monitor my accounts to ensure I 'm not taken advantage of because of Equifax.
Business contacted me on a co-workers cellphone that I did not give them permission to contact me at and did not tell them was my personal line to call on. I am unsure of how they got this phone number whether I used this phone associated with this number to contact a few months back but I did not give them this number as a contact or way of communicating with me.
I had an issue with my XXXX XXXX XXXX checking account a while back my card was stolen and used and I was blamed for it leaving me owing the bank XXXX I argued but lost and eventually paid off the XXXX ( do n't have recipt ) to have my account in good standing same for my XXXX account I owed {$38.00} due to over draft fee 's but recently paid it off ( have receipt ), however when I when to open a checking account at XXXX XXXX I was unable to do so due to my Chex Systems report saying that I still owe this money both banks but they were both in fact paid in full. I was told that sometimes Chex systems fails to updated, so I am just hoping to have my reports brought up to date.
Debt is ineligible for collection. Debt never paid and is noted as going into default on XXXX. Statue of Limitations in CA has run as well as 7 limit on credit reporting.
Despite Multiple written requests, the unverified Collections still remain on my credit report. It's my understanding that under the FCRA they have to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''? No one has provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). of the FCRA. Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). And Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' I have no idea who they are and I do not believe I owe this alleged medical debt. They are also reporting that I made payments on this account to XXXX? WHERE?! SHOW ME WHEN, HOW, WHERE! They have not provided Proof it belongs to me. And they continue to report this erroneous information.
I established an online account with PayPal on XXXX XXXX, XXXX. Shortly after, I was informed that my account had been temporarily limited on XXXX XXXX, XXXX, and was requested to provide additional information to verify my identity. I complied - and provided a copy of my U.S. passport, only to be told that PayPal had decided to close my account due to some " security issues ''. This is ridiculous - I 'd been using the account normally and PayPal could n't even provide an explanation to justify its decision. The reference number for PayPal 's request for my identification is : XXXX XXXX.
[ Case number : XXXX ] Bank of America did n't follow the law by allowing funds in my bank account to be levied even after I showed them supporting documents as well as the supporting CCP codes 704.140/704.160. 

Now a judgement has been ruled in my favor thus doing the job that BofA did n't.
There are about XXXX main issues on my credit report that are n't mine, and they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX services, and XXXX XXXX. I believe they belong to my older sister, because we almost have the same name and it may be confusing but I want these issues resolved.
I have XXXX violations from Ocwen Loan Servicing, first is a violation of the FDCPA in over contacting me ( 5 times in a 7 day period ) and I have been lied to when requesting to be able to pay my own homeoweners insurance and removing it from my escrow payment. 
Third, I have been viloated in my privacy under Graham Leach Bliley Act, when Ocwen without my permission contacted my insurance company and conducted business without my expressed written or verbal consent
I am out of work right now and are unable to pay for this loan I have with Gold Star Finance, the manager is XXXX XXXX his # is XXXX, I understand I have to pay, I just need some time, this person almost tears down my front door, is here every other day in different cars and at different hours, my daughter is terrified of him, he parks his car behind my car, so I cant move, I do not want to talk to him and that is why i 'm filing this complaint
Im XX/XX/2015, I took I student loan out. Nelnet put my account as delinquent, even though I was never notified when to start making payments. I would like to get on a payment plan and this off my credit score. 
Thank you, XXXX XXXX
Hello. In XXXX XXXX my property was refinanced and appraised for {$130000.00}. Mortgage company XXXX XXXX Mortgage XXXX. 

Now, I 'm going to sell the property and find out the property is worth $ XXXX. The property values in the area went up / remained steady since XXXX. I think the appraisal was inflated to get the refinance through. 

What recourse do I have?
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I am a few days late on a vehicle payment. It is scheduled to be paid electronically 10 days late. Bank Of America keeps calling my work and asking for me while I am helping XXXX at a XXXX I work and also hanging up on my co-workers. This is my place of work. They are harassing me when payment is already planned.
Approximately XX/XX/XXXX I refinanced my house with Nationstar. Original amount was approximately $ XXXX when I bought the house in XXXX. 

When I refinanced the property I was told that PMI would still apply, which I understood. The market I am in has gone up quite a bit and the house is now sitting above $ 170k. What I was told when I spoke with Mr. Cooper ( was sold off from Nationstar ) - was that even though I am at less than 80 % of the original XXXX amount, that the new original amount that I must have 80 % LTV is now the refinanced rate of XXXX approximately. I currently owe less than $ XXXX. I'm trying to figure out if I have recourse, to not have to pay from $ XXXX {$650.00} to get an appraisal for this property, when the value of the property when I refinanced it was clearly researched and they had to have a dollar value assessed other than the XXXX. I feel like this is a game they are playing to get money out of me, for wanting to utilize my right to remove the Mortgage insurance. 

I was told originally that they had findings that didn't require a paid appraisal. If that's the case, then my question is, what were the findings?
I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XXXX of XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire credit report.
I made a transaction for a World Series ticket on Friday XX/XX/XXXX at about XXXX using XXXX which is a checking account to checking account money payment/ transfer. The amount was {$450.00}. I got scammed and never received the ticket. I contacted my bank and XXXX and told them this. They both stated it was a service meant to use between friends and family. Essentially telling me I am XXXX out of the money. I had never used XXXX but felt safe as it was on Bank of Americas mobile application. The fact it was on Bank of Americas site makes one feel safe. My complaint is against Bank of America. Reading numerous complaints and people feeling safe because it is on Bank of Americas site. They have no business having this service on their website. It is without a doubt misleading a person to believe it is safe.I did report this within 15 min of transfer. I expressed to them it is very wrong for them to mislead people. Again, numerous people felt secure because it was on Bank of Americas app. They got burned like I did. I ask for a refund or demand Bank of America to remove XXXX from their mobile app. Thank you for looking into this Sincerely, XXXX XXXX
I submitted a loan application to Carrington Mortgage Services LLC XX/XX/XXXX. The loan officer was XXXX XXXX. Originally, he was very helpful even though I have fair credit score, and began the loan process stating that he had a XXXX % loan approval rating. After about a month of me asking him questions, because I have never had a loan before and do n't know how things work, he stopped answering my emails. Prior to this time, he had asked questions about XXXX my partners XXXX and XXXX. Finally, XX/XX/XXXX, he called my partner and stated that he did not like the " tone '' of our emails to him and stated that he was our only hope for a loan and that he was considering not helping us. This came from out of the blue. Following this phone call, he has not taken any of our repeated telephone calls or answered the numerous emails which we sent to him. We asked him specifically if he had a problem with the fact that We are a XXXX couple or the XXXX that my partner suffers, XXXX XXXX declined to answer. It is now XX/XX/XXXX and we have heard nothing from Carrington Mortgage or XXXX XXXX in regards to our loan application. It is our belief that XXXX XXXX has stopped working on getting us a loan because of our sexuality and my partners XXXX.
These are over 7 years old by my ex and they keeping changing dates and amounts due. Should all be closed.
XXXXXXXXFrom : XXXX MA XXXXXXXXLoan # XXXXXXXXTo CFPBRE Home Affordable Modification Program andEscrow Account associated with Home Affordable Modification Agreement with SLS : SLS XXXX XXXX XXXX XXXX XXXX XXXX CO XXXXXXXXFax XXXXXXXXTo whomever it may concern,1st complain : Endorsed by SLS Home Affordable Modification Agreement. 
Please be advised that our Home Affordable Modification Program was approved by SLS on XXXX XXXX, XXXX, and Agreement was signed by both of us, me and my wife XXXX XXXX, and was submitted for endorsement on XXXX XXXX XXXX to SLS. To this day, after several written and verbal-by-phone requests, the XXXX did not provide signed/stamped and returned above mentioned agreement. SLS faxed unendorsed Agreement twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. No explanation was provided as why the signed agreement was not returned. This endorsed by SLS agreement is needs to complete our application to modify second mortgage with XXXX. 

2nd complain : Escrow Balance. 
Per Home Affordable Agreement Modification offer issue on XXXX XXXX XXXX by SLS, we were required to make a P & I payment along with escrow payment for real estate taxes and homeowner insurance. We were requested to make " trial '' payments before permanent modification could have been granted. Trial payments for the first time that we were making mortgage payments to SLS had to include escrow for real estate taxes and homeowners insurance. When the trial payment started on XXXX XXXX XXXX, there was no outstanding balance to town of XXXX for real estate taxes, and home owner insurance was paid in full for period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. We made the following Principle and interest payment of {$1000.00} and rest for escrow payments : XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX, XXXX $ XXXX XXXX, XXXX $ XXXXXXXXModification was approved on XXXX XXXX XXXX with new payment including escrow was made onXXXX XXXX, XXXX $ XXXXXXXXAll these payments were with escrow for taxes and insurance. 
Our escrow balance should have surplus of approximately $ XXXXXXXXSLS made real estate tax disbursement on XXXX XXXX XXXX for {$3200.00} and {$3200.00} on XXXX/XXXX/XXXX for total of {$6500.00}. Our escrow balance should have been positive {$160.00} with next real estate tax due on XXXX XXXX XXXX. 

The statement received from SLS for escrow calculation shows shortage of $ XXXXXXXXWe do strongly disagree. After several calls and requesting re-calculation twice, first in XXXX XXXX and again on XXXX XXXX XXXX, it did not resolve escrow dispute. We were told the first XXXX trial payments did not resulted in escrow credit. No explanation was provided. 
At the last attempt to resolve the issue over the phone on XXXX/XXXX/XXXX resulted SLS hanging up the call. This behavior is simply unacceptable. 


Your prompt attention will be greatly appreciated. 

Respectfully, XXXX XXXX XXXX
I have had the Chase XXXX XXXX card for a little over a year now, and use it for my XXXX purchases. As I do with all my cards, when I make a purchase, I pay it off immediately. I hav never carried a balance, or used a card irresponsibly. 

This is probably what caused Chase to close my account - people like me are bad for business, you see. 

Without notice, without reason, and without response, my account was closed. ( Along with My other Chase accounts ). I am a recent XXXX XXXX, and the effect on my credit, vis-a-vis total credit, number of accounts, account age, is likely to hurt me pretty badly. 

I don't even know exactly how long the account has been closed for. No information has been given to me, I have received no letters, and when I call customer service I get transferred around and around. 

Upon some googling, I see that Chase is notorious for this. What makes this more disappointing is that I just switched from another bank to a checking/savings account with Chase.
XXXX. About XXXX, experian especially, XXXX XXXX, since XXXX they had discriminated me of my credit reports since XXXX, still not fixing everything right. I send i to you as well about my score, and experian is not taking off all of my student loans off because she had lied and changed the name and dated on their since XXXX XXXX nothing is suppose to be wiped off. And you are not being fair about my score and she keeps on dropping it. It 's why I need someone else to help and of my emails on phone as well. They respond back cause XXXX wan na sue you about my credit reports and they keep on ignoring to hold me back and to have someone else to get done for me. I know what I 'm doing by myself stuff. And ignore to me. So help me now please. I ca n't d it by myself. Or phone or emails. XXXX XXXX.
US Bank is reporting inaccurate and conflicting information to XXXX and XXXX. I filed a complaint on this matter before but US Bank states the information on my credit report is accurate despite providing different information to both credit reporting agency. I suspect the information on XXXX is different as well but I do n't have access to that credit file. I am providing documentation of what the credit bureaus are showing so you can see the conflicting information.
Trans Union was contacted by me on XX/XX/2017 regarding unauthorized inquires on my credit report which they are reporting to potential creditors, I informed them that I ha already spoken with the companies whom the inquires came from and each company state that they have already been in contact with Trans union to have their inquiry deleted. When I contacted Trans Union today they informed that it is not there responsibility to verify that the inquires are accurate and that they did receive information from the creditor to delete the inquires from my credit report they were not going to do it.
After XXXX XXXX My checking account balance overdrawn message received on my phone at night around XXXX XXXX  and immediate i went to PNC ATM machine and Cash Deposit in amount of {$200.00} made balance positive immediately and I received text message that your overdrawn item was covered and next morning bank charge {$36.00} for each overdrawn item just for few minutes I requested waive this two Fees {$72.00} total and they denied at first time I escalated problem and they denied again. My question is If i take care my financial matter within time and my account balance become positive within short time period at night. I went at night XXXX XXXX and made CASH DEPOSIT and account was positive balance.
I started additional principal payments about 2 years ago. A year ago I realized Great Lakes was not applying the additional principal payment to the principal. They were instead keeping it as a prepayment. I called and was informed I had incorrectly set up the payment options. I changed the payment options to what customer service advised me, so that excess payments would apply to principal and not just be held as a prepayment. Tonight in checking my account I see that I still haven't gotten any credit for the excess payments and over {$1000.00} is being held as a prepayment while I'm accruing interest on my loan balance. 

As a college grad I find it unacceptable that I am not able to pay off additional principal due to confusing online payment options and inaccurate direction from customer service. 

https : //mygreatlakes.org/XXXX XXXX XXXX
This is the third time I have filed a complaint against Medical Data Systems , Inc . It is frustrating to say the least that you never answer any of my questions. I understand the debt was sold to you but you should have a way to find out information about the debt in a timely matter. I 'm not sure how many times I am going to have to do this until I get a straight answer. Medical Data Systems XXXX Inc. is reporting negative information on my credit report that is incorrect. I was billed for a service from XXXX. I provided XXXX numerous times with my insurance information. I have talked to my insurance company and they have confirmed that the claim should have been filed with them. The claim was never filed. Every claim that has been submitted has been approved. I have confirmed this both with XXXX as well as with XXXX. They have not received any claims from XXXX for this bill. XXXX did not do their job correctly by not knowing how to bill insurance companies correctly. Now my credit is suffering because of someone not being able to do their job right. I am demanding that the debt be erased or charged/claimed to the insurance company. Also this was before I was married, my maiden name is XXXX. Again, I need this removed from my credit and the debt to be taken care of with the insurance company. I was not liable for this payment. I had full coverage medical insurance that should have taken care of this bill when it was created. Medical Data Systems XXXX Inc. has been the worst company I have dealt with. This is not the only XXXX I had to get taken care of this is XXXX of XXXX that I had to complain to and provide my insurance information to. The rest of the companies were able to verify my insurance and get rid of the negative reports on my credit report. IN A TIMELY MATTER. Until this is fixed I will continue to file complaints via CFPB because this is wrong on so many levels. I can not afford to pay for this bill and I have to suffer credit wise because of something that should have been paid by my insurance company.
I have been receiving repeat phone calls with no voicemail. There are numerous variations of phone number calling me three to six times a day. The phone numbers start with XXXX They call while I am at work. I did call back one of the numbers and I heard a recording that it was a debt collection agency.
this information on my credit report is fraudulent and need to be removed from my credit report immediately XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Paid
The credit bureaus did not verify the accuracy of the XXXX XXXX account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
GC Services was hired by XXXX XXXX to collect on a debt that belonged to my ex-wife. I wrote them a letter within the 30 days required contesting the debt and requesting verification. In response I received a letter asking that I call a representative to discuss the debt. No verification of the debt was enclosed in that mailing. I called the representative, who merely tried to push me into paying on the debt. I declined to do so, and sent a second letter requesting verification of the debt. They did not send the verification ; instead, they sent me a letter advising me that the debt had been reported to credit bureaus. 

While CG Services has resolved the issue ( after I filed complaints with the State Attorney General 's offices in Idaho and Utah ), it should still be noted that they violated the Fair Debt Collection Practices Act by failing to provide verification of the debt. Which they did n't have ... probably why they would n't send it.
Hello I have requestion for validation of this debt through XXXX and XXXX XXXX. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.