WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I had an installment loan show up on my credit report from XXXX  XXXX. I did not open the account my wallet was lost and had all my personal information in it for anyone to access when calling the company about this they said there was nothing that they could do and that I was responsible for this loan. When calling as well the loan had doubled due to the 700 percent interest rate making a XXXX dollar loan a XXXX dollar loan saying that I owed. I refused to make payments on this because I did not open it when asking to remove from my credit report they would not making it on my credit report negative affecting my report. None off the people speak any English nor is there any website or do they give you the payoff they just keep adding to it. This loan place is a scam and very unprofessional.
I recently refinanced my home with XXXX XXXX XXXX Bank. Myold financial institution is Freedom Mortgage. During the process, mycounty received a payment for property taxes for the XXXX installmentdue this year between XXXX 2015 and XXXX 2015 from both institutions. 
The county stated that the payment from XXXX XXXX XXXX Bankwas received first. So because of this, the county stated on the phonethat they were sending the other payment back. Freedom mortgage usesa third party, XXXX, to take ownership of mortgage responsibilities. Ihave called XXXX almost every week since XXXX 2015 to get myamount of property tax payment refunded to me. They have stated thatthey have been waiting for the county to send it back to them so they cansend it to me. XXXX has already established it is owed to me. Ispoke to XXXX, ID # XXXX, a supervisor from XXXX in customercustomer service in mid XXXX 2015 with a representative from thecounty, XXXX, on the phone. She witnessed them tell me that the countyhas already sent the amount of {$1400.00} approximately back toXXXX. As of XXXX XXXX, 2015, XXXX claims that they still have notreceived it and that they would forward the concern. I have constantlycalled them for my refund and they continue to promise that some onefrom XXXX XXXX would get back to me about this matter.
NISSAN MOTOR ACCEPTANC creditor delinquent my account for not paying 2 Months. I set up a Auto Debit from my bank account and they had trouble in getting money from my account. They did not inform me via Email or Portal Mail about the late payment. When I checked my credit report I realized this and contacted them and paid the XXXX. They promised to remove the delinquent on my account in 7 days and this conversation happened in XXXX XXXX. Till now they did not do anything related to my delinquent and also the customer support people was very rude to me. Because of this delinquent my credit fell XXXX points. 

Also I spoke to them on XXXX XXXX and paid off the bill on the same day and again on XXXX XXXX they sent another delinquent notice to my credit report
So, I get a little behind in my car payments and I had tried to work out a solution to the problem. But it seemed like to me the creditors wanted to act like complete Hotheads. They illegally in my defense repossessed my vehicle without proper notice. They say they called but in my defense it must have been them calling from a private number without any messages afterwards never no letter in the mail. The representative basically called me liar over the phone. So I talked to a some weirdo supervisor that acted like she didn't even care even after I offered to pay the past due amount of {$810.00} only if the repossession fees where dealt with by the company because they did not properly notify me or even give me a chance.
Loan transferred from XXXX to Rushmore Loan Mgmnt Svc. My initial loan payment has been misapplied with 83 % of my payment being applied to interest ( last payment w/CapOne was approximately46 % ). I noticed this immediately and contacted RLMS by phone. First, I was told I was not calculating it properly ( I am a banker, so I do understand the correct methodology ). Second, I was told to write their Department of Consumer Affairs - mail or fax. Third, I called again and was now told my case had been escalated and it was not an isolated case. They asked me ( again ) when was my last payment ( note, payments have been auto-debited, on-time for 4 years - and Ive made additional principal payments ). They said they are reviewing it and would provide no timetable for resolution. No estimate, no guidance as to how to obtain an update other than checking onsite daily, calling daily, etc. 

If your business is processing loan payments, it should be fairly simple to do so. And, if an error occurs, they should be able to correct it. Instead, this company is trying to charge me a larger amount of interest than when my loan balance was $ XXXX higher! I question if it is an error or intention and would like this resolved. Also - in researching this company, I have seen countless reports from individuals who can not even payoff their loan and leave RMLS ( they keep denying the payments for a number of reasons, delaying payoff, gaining interest ). I am worried I may not even be able to pay them off and get away! 

The {$2600.00} payment was applied {$2100.00} to interest and {$450.00} to principal. The current loan balance is approximately {$370000.00} and the interest rate is 3.625 %. Original balance was {$560000.00}. Even on the original amount, the interest portion of the monthly payment would not be anywhere near {$2100.00}. Very cautious this is a scam to derive more interest payments from clients as many individuals would not check the details. 

This is only the first payment due/made. I am questioning how long it will take to correctly apply the payment as future payments will further complicate the situation. I do not want this company to damage a strong credit history Ive established over many years. I also set up auto-debit before I realized there was a problem and am now worried what this company may do with this capability. Reports indicate they change amounts and debit at their own discretion.
They called me to verify that I applied for a loan by calling them. I did not but they had all my information. I asked for information to find out what was going on and they told me to file a police report, They had my social security number but would not give me any details.
The add is deceptive in that it doesn't give all of the information that the consumer would need to make an informed decision.
I have sent several disputes to XXXX, Transunion, and XXXX disputing some trade-lines and Collection accounts that are not mine and every time they come back stating that the " account has been verified ''. Which is impossible because the accounts in questions I have never had or signed up for. Each dispute I made I specifically asked for proof of verification and the processes they took to validate my account. Which is my right to have. None of the companies have done that. I request that they immediately remove this illegal trade-lines off my credit report because they have not been verified as my account. There is no way that it COULD be verified as my account because I never signed up for them!
I had completed return and renew my vehicle in 2013 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to XXXX forget to return the XXXX vehicle electronic key to XXXX, so XXXX XXXX XXXX bill me the penalty {$470.00} start from XX/XX/2013! and then I had complain with XXXX and also contact with XXXX financial services so many times for remove the record, but no any action, and then they still transfer the bill to Debt collection company -- --! so please help me to dispute my inaccurate information on my credit report! Thanks!
A previous complaint was filed with CFPB. That complaint number was XXXX. This complaint is in follow up to that complaint. Discover replied that they had corrected the error when in fact the error was not fixed. 

On or about XX/XX/2017, I made a purchase for two airline tickets from XXXX. The dollar amount was {$490.00}. One of  the tickets was cancelled and the airline refunded the money to us. However, to this date Discover has not provided the refund to us that the airline issued. 

A credit was issued by Discover on or about XX/XX/XXXX. This credit is sitting on an old account and needs to be transferred to my new account. Every time Discover transfers this credit to my account, they offset the credit with another charge of {$490.00}. To date, my Discover card balance still reflects me being charged for two tickets, not one. I have attached a screen shot that shows this. Whenever I speak with a Discover representative, they tell me that there is a  credit that was provided on XX/XX/XXXX. However as you will see on the screen shot, there is no credit for XX/XX/XXXX. 

My balance currently is {$490.00} more than what the balance should be. Discover needs to stop misleading the CFPB and they actually need to fix this issue immediately.
Had an old hospital bill for about {$1200.00} which I could n't pay at the time. I tried to make payment arrangements with XXXX XXXX Hospital but they would n't accept other than the full amount and they forwarded the account to Grant and Weber Collection agency.
Grant and Weber first started calling my work and leaving messages with my fellow employees which was embarrassing to say the least. The balance as been increasing and is now over {$3000.00}, I submitted a dispute through the credit bureaus and the only thing this caused was yet another increase of the balance. Please note the original debt to XXXX XXXX Hospital is over 5 years old. I do n't have any of the original documents from them
My husband and I returned from vacation on XX/XX/XXXX and upon opening our mail we discovered a lot of our bills had been doubled, I called the bank and non of the checks had been cleared and rather than place a stop payment I was advised by the bank to call the USPS to see if they've been having any issues. I called the USPS and I was told they had been having a lot of mail theft. I went to the bank and closed and opened accounts and the following day XX/XX/XXXX. I filed a claim with the USPS and I called all of the consumers and informed them of the mail theft and took care of my payments with my new account information and thought all was well. We are in the process of refinancing our house and on the credit report XXXX  XXXX XXXX reported us being 30 day late, which is affecting us from refinancing our home. I've called XXXX XXXX XXXX numerous times, I spoke to XXXX on XX/XX/XXXX and  she spoke to her manager XXXX and I was informed they were filing a claim with back credit office. I was told to follow up in a week, I called XX/XX/XXXXand spoke to XXXX and she was advised by her manager XXXX to fax over any documentation that I had regarding this matter and to call her to inform her that I had faxed over the information. I would constantly get her voicemail leaving messages and after several days XXXX called me back on XX/XX/XXXX,  asking me what all had happened and he said unfortunately when I had called the first time and they wrote the credit department they did not include detailed information. XXXX told me he would then submit a new request. XXXX called me the following day informing me that my claim had been denied. He then explained that once it's been reported as a late payment it's difficult to reverse due to the auditors. I asked how is that my fault and that this is something we couldn't control, how can we control mail theft. XXXX said I had other alternatives ... he said I could of done banking online and automatic payments and he kept referring to his auditors. I am a consumer and I am being affected due to mail theft, something that was totally out of our hands and XXXX XXXX XXXX saying I had other alternatives. The USPS has made it clear that they've been having issues since XX/XX/XXXX. I asked the Post Office why they haven't posted anything on the drop box informing everyone and I was told it is government property so they are not allowed to. We have lived in our home for 18 years, we have plenty of equity and all we are asking is that the 30 day late be removed and corrected with the 3 bureaus, Experian, XXXX and XXXX.
This issue is in regard to a mobile home title in Montana. The lien on the title lists the lienholder as : XXXX  A DIVISION OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WA XXXX The lien was put on the title in XX/XX/XXXX when we purchased the ( new ) mobile home. 

The loan was paid off in XX/XX/XXXX when we refinanced through XXXX   XXXX, but the lien was never released by XXXX as verified by the Montana Motor Vehicle Division. 

I have contacted XXXX  XXXX XXXX since XXXX is no longer in existence and they said this loan was a Ditech/XXXX XXXX loan and that they had forwarded my the information and documentation I provided to Ditech, In 2 phone calls to Ditech, they have assured me they will not even look into this for at least 30 days even though I have pointed out that the lien release is in essence 15 years past due. I personally provided them via fax on XX/XX/XXXX a copy of the title and a copy of a form XXXX which shows the loan number, our names, and a social security number of my husband, the primary borrower who is now deceased. I gave the dates of the loan origination and payoff. I was on hold for an hour and 15 minutes on the phone today, the second of my ( exceedingly unhelpful ) calls to them. The representative at Ditech would not even confirm that they received my information either from XXXX or my fax. 

I was supposed to close on the sale of this property last Friday. With a sale of the property on the line I do not have a month to wait to possibly hear from them regarding this.
My name is XXXX XXXX XXXX well me and my husband bought a four family in XX/XX/XXXX.I remembered my husband asking the closing attorney how much the mortgage was going to be he didn't say it was your Austable all he said was {$2700.00} a month that part wasn't ture on the 80 percent and a second mortgage of a balloon notes 20 % .we started experiencing a hardship in XX/XX/XXXX when the adjustable interest rates kept skyrocketing as high as 11 % and my husbands hard-earned money went towards this house.after years of trying to do a modification the bank 's kept denying us when we was qualified for the program they kept denying us saying there was missing ddocuments when I paid a real estate broker {$4000.00} to help with the modification I gave them all the documents that they needed. We have fallen short lost our home due to foreclosure and it has been the terrible experience to have to go Thur. JP Morgan and Chase are terrible they denied millions of applications for modifications.
in XX/XX/2014 ford motor called me on the 31 first day to say I payed XXXX dollar short, I ask them why they didn't call me before oh were sorry we don't bother our good customer, and I said but youll call me one day after 30 so you can ding my credit, were sorry I heard if you look at my 5 lease with ford ive not ever miss or was late ever, for them to do this is inexcusable and very unfair practice to your so call good customer, its very unfortunate to have to go through all this but for them to ding my report is very unfair and very unjust
I recently relocated to Georgia and I 'm living in an   XXXX   XXXX    XXXX . I receive my mail there and packages. I updated my account online with Simple bank on  XXXX   XXXX ,   XXXX  an d after a day or two they told me because it 's technically a business address I could n't use it and they would have to close my account. I called and talked to a representative and explained that I just moved and that I am living there and I receive my mail there. They told me because of the  Patriot Act tha t I had to have a verifiable residential address. I 've updated my address with  XXXX  other banking institutions and have had no issue with using the same address. Today  XXXX   XXXX ,  XXXX , they told me that I have 30 days move money before my account is closed. I 'm not a new account holder and have had the account actively since  XXXX   XXXX . I 'm a United States Citizen with a verifiable social security number ; which they verified at the opening of my account.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
I applied to refinance my truck with capital one in XX/XX/2018, I was approved and completed all the online paper work I was requested. once they had not said to me in almost a week my truck was not paid off I called in to find out thy had been calling my lender after hours to obtain a pay off and had not reached back out to me I asked them to conference call them to get it, we did and the pay off was higher than I was quoted before thus changing my monthly loan amount total of XXXX  and payments of XXXX  for the 48 months so once I was read the new info I asked for a new contract to sign, the rep said it will delay my loan so I decided against waiting and just moved fwd on it, I called in on XX/XX/XXXX spoke to a manager and he informed me they could mail me a new contact to sign right now so he did, same term of 48 months, payment was XXXX  a month amount financed total was XXXX. I get a contact in the mail for the first amount on the contract which I did not agree to. I called them to ask why I keep getting the run around and no one will give my any information I keep getting told they can change my account without sending me an updated contract I have asked multiple times I am being told no. I agreed to pay the following and only signed the following -- 48 months term, XXXX a month and XXXX total amount of payments the fact they are changing this after the fact since their rep only got a 9 day pay off and not the required 10 is a joke I as the customer have had the worst experience with this company and the entire process and no one will take accountability for this the contract has a disclaimer that I would be notified if any changes and I was not, no call, email or letter advising me the rep got the 9 day pay off not 10 days as he should have .I am being told the only document they have I e signed was for payments of XXXX no one can get me straight info
Here is the information provided by your organization regarding inquires : An inquiry refers to a request to look at your credit file, and it generally falls into one of two types : Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit.
Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score.
This is the definition of the two types of inquiries used consistently when researching about the impact of inquiries on credit scores. I am concerned that Navy Federal Credit Union does a hard inquiry on credit reports when changes are requested on existing accounts such as credit limit increases. This practice has a negative impact on credit scores for an extensive amount of time ( 2 years ) and is n't a fair practice for consumers. A credit limit increase is typically not considered a new application by most financial institutions and should not be viewed as such. Please review this practice.
On XX/XX/XXXX, I sent the following information to EQUIFAX in an attempt to correct information on my report, they have failed to remove, update my report with an accurate status : My information has been accessed and has been used without my knowledge. The information listed below which appears on my credit report does not relate to any transaction ( s ) that I have made. I am requesting the following accounts and inquiries be blocked and removed immediately : Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX Inquiries : XXXX- XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX In addition, I was impacted by the Equifax breach. I was advised by legal counsel to notify the police department as well ( see enclosed police report ). There continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : XXXX XXXX- XXXX, XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX/XXXX- XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX EMPLOYER  is XXXX XXXX since XXXX located at XXXX XXXX XXXX. XXXX, XXXX , GA XXXX My previous Employer was XXXX XXXX XXXX, please remove XXXX XXXX XXXX from my report.
I have tried multiple times calling and mailing transunion, XXXX and XXXX asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.
In XXXX of XXXX my husband and I received the first and only phone call from a company called Perfection Collection I believe may be located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX .... I found this address while researching the company. A man named XXXX XXXX called and left a message on our home phone which we still have the recording so this is what he said word for word, he said he was calling regarding sealed documentation that we needed to sign that day, he said he was coming to our home in one hour and that we were to answer the door and except the documents voluntarily and if he could not locate us at our address he would stop by one of our family members homes to make sure he would cover all boundaries. This is the phone number he left on our answering machine .... XXXX XXXX .... he said either we call or he would be on his way. The debt was false, years ago we had an alarm system and from what I 've learned this company somehow got our information and tried to scam us with a false debt claiming it was from our former alarm company. We never received any type of correspondence from them other than the one phone call. I did call back and was told XXXX XXXX was not available so the person I spoke to said we owed {$1200.00} telling me that although we had no longer been in a contract with the alarm company due to the 5 year contract expiring which we fulfilled the 5 year contract and this was now two years later .... that the company automatically had rolled us into a new contract .... theres no such thing which I argued. Then I called a second time after doing some research on this collection company and learned this is how they operate, its a scam, so now the second call to them I 'm told there is no such person named XXXX XXXX and this time the person hung up on me after I confronted them. We hoped that was the end. They never called us again and never at all from the beginning did we receive anything in the mail so we do n't have any documentation to submit, what they did do is put collection notices on both myself and my husbands credit reports, this time for a different amount of {$880.00} which is strongly hurting our credit.