WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/2017, my husband and I visit XXXX XXXX XXXX in XXXX, Texas to purchase a vehicle. We explained to the sale man, XXXX that we only wanted to have our credit run ONCE due to going through mortgage process. The finance gentleman explained he ran our credit with XXXX XXXX. 

We have since discovered our credit was run FIVE times. Twice with the same company. We have attempted to reach the dealership to discuss but to no avail. Multiple messages have been left with the owner/general manager, XXXX and the Sales Manager, XXXX. Neither of which will respond. 

Multiple inquiries were NOT authorized for this transaction. Our credit was run with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX Further the Finance Manager, XXXX stated the inquiry was only a SOFT inquiry. When infact, all of these inquiries are hard inquiries and effecting our credit.
XXXX XXXX for XXXX store credit card. 
I had an opened account as described above. I did not use the card. There was a bill for {$9.00} that I do not believe came from me. I was never sent a bill. The account was updated to my new address and they never sent a bill via the mail or email. I found out about the issue after a phone call from some computer talking machine that mentioned XXXX. I could not ask the machine any questions. I did not know what this was about. I researched and found they reported me as being 30 days late to XXXX and XXXX. I am naturally reluctant to pay a bill until found out more details. I called XXXX XXXX and the person spoke in broken english. So I wrote a dispute letter and faxed it to the number given by XXXX XXXX. I new time was important. XXXX closed my account the day after I faxed my dispute. I believe it is illegal to take collection action after the account has been disputed. This is very suspicious on their part. 
They do n't me a bill. There is questionable charge for {$9.00} on my account. They charged me a late fee plus interest and want to collect {$32.00} for a {$9.00} product I never received. I have called them and they speak with broken english. I am happy to pay a bill that I actually owe after I receive it in the mail and have an opportunity to review the charges. I am even more upset that they have the power to place derogatory information on my Credit Report. I believe the law clearly states that no collection activity can take place until the dispute is resolved. 
That means the cant take any negative action on my account and must remove the information reported to XXXX XXXX and XXXX. They also can not close my account which they did after they received the dispute via fax. Please help hold these people accountable for their violation of my rights and the laws that are there to protect the consumer. If they do this to me, just think how many people have been violated by these people.
XXXX XXXX IS REPORTING THAT I PAID 50 % OF THE BILL IN COLLECTION. THEY SOLD ME A HOT SPOT DEVICE WHICH DID NOT WORK. THEY AGREED THAT I PAY {$120.00} IN FULL TO SETTLE THIS DISPUTE AND THEY WOULD NOT FILE ON MY CREDIT REPORT. MY PAYMENT WAS AGREED UPON AND PAID TO XXXX XXXX IN GOOD FAITH.
VIOLATING FDCPA LAWS ON REPORTING ACCOUTNTS NOT AUTHORIZED OR VERFIED.
I have been enrolled in the Public Service Loan Forgiveness program serviced by XXXX. I finished veterinary school in XX/XX/XXXX, and started making payments six months later. During that time period, I was working in a PSLF eligible position with the USDA. I made my payments on time, every month. I changed to a new PSLF eligible position for the University XXXX XXXX with only a one week period of time in between jobs ( equivalent to my accumulated vacation days ). I have recertified at the end of my XXXX employment ( XX/XX/XXXX ), and eligibility is confirmed. However, XXXX 's system only recognizes 5 of those payments. I have been attempting to get this adjusted by calling XXXX. I call XXXX once or twice a month to work on this issue. It has now been over a year, and XXXX operators still tell me that " it will be fixed, I can see someone working on it now. '' I have certified my employment at the University XXXX XXXX in XX/XX/XXXX, I have recertified in XX/XX/XXXX. XXXX has not updated my eligible payments. When I attempt to address this issue with XXXX phone operators, they seem confused and do not understand why the problem is not being worked on. I bring this issue up when I call XXXX once or twice a month. I make my payments on time and in the full amount that is due. I do this every month. 
The money that XXXX tells me is due each month seems incorrect. I want to be paying the correct amount. The XXXX operators have been unable to advise me on what amount I should be paying. I have asked if I should pay what I think I owe, and the operators have given me mixed opinions only. There does n't seem to be a policy to address this issue. Currently, they request that I make a payment of under {$6.00} per month. I make around XXXX annually, and the payoff amount on my XXXX account is over XXXX. I am not an accountant, but this seems very obviously incorrect. 
When I look at my individual loans in my XXXX account, my loans show that my last payment was in XX/XX/XXXX, but I have paid the total due, on time, each and every month. 
I have tried calling XXXX three times in the past 4 days. I am not able to get through to an operator anymore. I get a recording that asks me to call back later. I have emailed XXXX last week recapping this problem. I have not received an acknowledgment that anyone has received my e-mail. In the past two months, I have spent more than two hours per week on average trying to understand what I can do to fix these problems. In every instance, I have not been able to talk to anyone who can resolve these issues. 
Additionally, XXXX has LOST all information on any payments I have made prior to XX/XX/XXXX, and I think this may be part of the problem. Multiple phone operators have told me they can not find any payments before that date. I started paying into XXXX in XX/XX/XXXX.
Hello, I am writing to share my experience with Equifax since they announced the breach of millions of consumer 's personal information. Equifax established a partnership with a company called TrustedID. The websites for Equifax and TrustedID are constantly down. The TrustedID website looks like a high school student designed it, which does not instill confidence and looks like the company is putting zero effort into resolving this for consumers. 

Today, I received a text message from Equifax/ TrustedID saying their was an issue on my credit report and I should call the number provided. I have been on hold for 45 minutes with no indication as to when my call will be answered. The website provides no information as to what is going on. 

I know numerous people who are affected by this but who wo n't file a complaint. Please know that Equifax 's entire response to this breach has been pathetic and all consequences have fallen to the consumers they let down. They are providing a year of identity theft protection for a lifetime problem, and to make matters worse, they used a program that is not easy to use, never loads, and with a phone number no one answers. 

Please hold them accountable. Thank you.
Hello, I have a car loan through Chase bank. In XX/XX/2014 My mother passed away so I called in to get a payment skipped. They approved it and have reported a missing payment since. It is hurting my credit and they need to remove the late payments asap. I have disputed with them and XXXX XXXX. I pay every month on my car.
On Friday, XX/XX/2017, at approximately XXXX., I received a call from my supervisor, stating that she received a call from a XXXX XXXX , who was claiming to be a dispatcher from a XXXX XXXX XXXX , who was en route to serve me papers for a debt. I am off work sick, and am not at work. I found this to be odd, as payday loans do not use these tactics. I then returned the call to the phone number provided which is ( XXXX ) XXXX. 
I called this number and asked for a XXXX XXXX, which at that time, I was advised that that individual is not a representation of the company I called. I assumed at this time I was speaking to a rep from XXXX XXXX, but realized I was speaking to a rep from XXXX XXXX XXXX. I then immediately asked the person on the line what is this pertaining to? I expressed displeasure that this is the second time in about 2+ years that I received these types of calls. The caller ( who I never identified ),  asked for my social, which I confirmed the last four. He then proceeded to tell me there is a legal case and that any information would be provided at discovery. I immediately stated that I do not wish for him or any of his representatives to contact my employer for any reason. I stated that I would have my attorney contact them as well with this request. The male caller, and I had a semi-heated discussion. He felt that I was rude and threatened to hang up and not help me. I may have become upset during the conversation, because the tactics of threatening to serve someone with papers is not only extreme, but not a practice Ohio uses in this manner. He also then stated that since I would need a lawyer, they can contact him. I stated I will handle my own affairs, and if I need representation then I would get it at that time. After repeatedly stating that I had no issue paying the debt with proof, and getting no where with the caller. He stated that I am a " Quality Debtor or " Experienced Debtor '', or some reference similar and hung up. I then called back wanting to speak to a supervisor, and got the same male on the phone. I then advised him, that I called, but since a person was hiding behind the phone, I could not get anywhere, I am calling back. He then stated " hiding behind the phone? '' and hung up again. I then called XXXX XXXX XXXX, and a spoke to XXXX at approximately XXXX XXXX, and advised her briefly of the incident. She did mention that my debt was sold to Receivable Management Services ( Account # XXXX for {$720.00} ), I had this similar experience about 2 years ago, where I received threatening calls from a " law office '', and upon dialing the number given, it linked back to Rec. Management Serv. It appeared that they are one company representing themselves as attorneys instead of the collection associates they are. I have asked them repeatedly to not contact my employer, and if I had or was given and address or email, would request in writing. Also, while speaking to XXXX from XXXX XXXX XXXX, she stated that their company does not practice, or condone practices of legal or lawsuit threats, or any aggressive collection actions.
I was the co-signer on a loan. The borrower was unable to pay, and defaulted. I settled with them for a lump sum payment. After paying, they will not allow it to be removed or updated on my credit report. It still shows I own them $ XXXX. I have called them a number of times. They just say it 's not there department, and transfer me to another, this happens about 3 times before they send me back to the main number. I have tried emailing, and calling every number I have for them. They are NO help at all even though I paid them for a loan I never personally got benefit for ....
This is a complaint on Bank of America 's new policy discriminating against customers because they don't believe in the customers 2nd Amendment rights of law abiding United States citizens.

The company took billions of dollars in bail out money without questioning whether the tax payers that paid for it were 2nd amendment advocates or not. This new discriminatory policy is hypocritical at best. If they chose to have the basis be religion, race, gender, XXXX orientation or if you used your freedom of speech to express an opposing viewpoint, the outcry would cause them to be fined or put out of business. The constitutional protection for the 2nd amendment is no different. 

Bank of America must stop discriminating against law abiding citizens. It is unethical for them to try to use their influence to dictate to customers what their constitutional rights are.
I HAVE NEVER HAD LATE PAYMENTS ON THIS ACCOUNT ( NORDSTROM ), I HAVE ATTACHED THE LETTER PROVIDED BY NORDSTROM TO PROVE THAT THIS ACCOUNT HAS BEEN APPROVED TO BE POSITIVE IMPACT ON MY CREDIT REPORTS NOT NEGATIVE, THEY HAVE GIVEN PERMISSION TO HAVE THIS NEGATIVE REMOVED FROM MY CREDIT REPORTS. 
PLEASE HELP ME TO HAVE ALL THE BUREAUS REMOVE THIS NEGATIVE MARK. 
THANK YOU
Once again Roundpoint Mortgage Servicing XXXX has again lost my insurance payment. Which they after 4 years must be doing this on purpose in a effort to gain foreclosure on my house. They are a predatory loan servicing company involved the a predatory lender XXXX XXXX XXXX XXXX.This year they chose to randomly send my insurance payment to XXXX, not knowing if I was renewing, changing companies, selling the house, if policy rate increased etc. When I pay bills I don't just randomly send money to a company and hope its the right one. But this company clearly does and does it yearly. Payment was send on XX/XX/XXXX, the policy expired XX/XX/XXXX. In that time the payment has now been lost and the insurance premium is unpaid with XXXX. Part of the job of these purposely incompetent XXXX XXXX is to service the mortgage and I am yet to receive that service. Upon XXXX contacting Roundpoint, XXXX the representative could not even supply a business address to XXXX. I would assume much like their payment processing these people just randomly show up at a building in the morning and hope for the best. The complete lack of being able to perform any servicing of my mortgage is a direct breach of contract. I the customer and am having to clean up their mess year after year as they try to steal my home. Now the loan has until XXXX for me to correct it before XXXX drops coverage since Roundpoint failed to properly pay them once again. Last years excuse was because the policy number changed, this year they claim the policy number never changed. I will continue to file complaints until Roundpoint is no longer my servicer. They have made no effort over the multiple years to fix this problem.
HELP!!!! Need urgent reply. 
1. All 3 credit agencies were asked in writing and verbally to remove a medical collection of {$75.00} and show it was paid. I have cancelled check ( ck # XXXX payable to XXXX XXXX XXXX., that cleared my bank XX/XX/2017. Found out later they had turned it in to XXXX XXXX XXXX XXXX, and told XXXX XXXX XXXX that I paid it direct ) XXXX & TransUnion totally removed it. XXXX still shows that I owe {$75.00} to them and shows me as being delinquent by 2 yrs. 6 mths. I want this corrected. I have tried both by phone and in writing.

2. I am also in process of getting a mortgage. I have done what is recommended by comparing 3 diff. mtg. companies, according to your booklet ( Your Home Loan Toolkit, A Step-by-Step Guide ) but now I have numerous hard inquiries being reported due to these mtg. comparisons. Except for hard inquiries, XXXX has made corrections and kept all my report information accurate, but shows 9 hard inquiries in past 2 years ( more about this below in item # 2 about auto shopping ) TransUnion is showing 7 hard inquiries and XXXX shows the most at 11. XXXX has not  corrected hard inquiries when I leased a car 2 years ago. In 3 days I shopped at 2 different dealerships. One pulled credit twice and the other dealership pulled 3 times, with companies like XXXX. 
In my planning to get a mtg over the past year, I have monitored my reports and had any errors corrected. In addressing these hard inquiries for car shopping, XXXX is the only one that didnt reduce my hard pulls due to car shopping within a 7 day time frame. The other 2 agencies made an effort by removing a few of them out of 5 auto hard pulls. Plus I never gave these dealerships permission to check multiple places. The salesman asked if they could check my credit and I said XXXX. Now I have the same issue with mtg shopping. And all the pulls say they are for home mtg. 
My FICO score with XXXX, has dropped to XXXX. But my TransUnion has dropped to XXXX as of yesterday. And XXXX has dropped me to less than that at XXXX, all mostly due to the 3 mtg companies doing hard inquiries. 
3. NOW MY URGENT ISSUE!!!! 
I have been approved for mtg but the HOA requires a FICO of over 700 to buy/live in their community. They just received my application and will probably be pulling my credit today and they will most likely deny my application to live there. Until the mtg companies started their hard pulls all my scores were above 700.  HELP!!!! I do not have calendar time to deal with this without help. Everything takes 30 days with credit reporting agencies. The HOA is not going to wait on that. However, help right now with any of this should pull my other rates up over 700 to where they before I Started shopping for a mtg.
Lexis Nexis issues : The last week of XXXX, 2015 ; I went online to " opt-out '' of their XXXX products. I followed the insturctions and uploaded the necessary documents. A XXXX letter I received a letter from Lexis Nexis stating I need to upload my documents. I sent an email to them directly ( see attached ) with the document I uploaded. I received a response stating my request has been approved. I sent another email with additional request to FREEZE my XXXX account and to inquire about my PIN number. I have yet to receive a response from Lexis Nexis via mail or EMail.
The CFPB closed my prior complaint number ending in XXXX due to XXXX a subsidiary of Lake View Loan Serving because it stated that it only acts as the disbursement center of my payments however that is not true. 

This company ( XXXX ), is the only link available to the ME the borrower/consumer. The telephone number given to me by XXXX leads right back to XXXX. There needs to be an investigation into both the parent company and the subsidiary. 

There is supposed to compliance under Dodd-Frank Act to protect the rights and interests of consumers and to be able to contact the actual lender. 

Lakeview and XXXX practices are deceptive. Further, the Company ( s ) is not accounting for my payments correctly nor providing information on how much is being paid to the two different insurance companies or why there are two different insurance companies in the first place that they are paying on supposed my behalf. 

Lastly, XXXX would not allow me to be placed in a loan modification on or about XX/XX/2018.
There is an account, XXXX XXXX XXXX XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX  several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX XXXX that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX XXXX several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.
I started to contact loan care back in XX/XX/XXXX. I stopped to make payment in XX/XX/XXXX. I had car accident on XX/XX/XXXX, and after it was struggling for my sickness. I bought the full coverage, and paid off the car loan. But I never thought I did not get paid until today. So I sent the loss modificaiton process, and kept can not reach the person for my case through loan care. So I hired the XXXX XXXX XXXX for helping me as the witness for my case. It kept saying that no documents received. The law firm told me to file the bankruptcy to postphone the sale time, and wait for loan care to give me the new plan. But I got the sale news through flyers again. I hired another Premium legal service to help me. Again they did not do anything just asked me to file bankruptcy again. But the result is nothing done, and my house sold on XX/XX/XXXX. Loan care closed the modification case for no documents filed on the same sale date. I felt this is dual tracking and loan care should not sell on that day. And also I had grandma and grandfather illness and passed away in XXXX. I am the XXXX XXXX for my parents, and I had to go back to XXXX on XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX Now there is no one can help me to get my house back. I need correction for my process.
I called to pay an old debt on XX/XX/XXXX from an old bill I found from XXXX. I was unaware it was in collections and paid it through the company in which I owed, which was XXXX. I paid the debt on XX/XX/XXXX over the phone. I received an alert on XX/XX/XXXX that an XXXX makes Harris and Harris submitted an unpaid collection in the amount of XXXX for XXXX which I had already paid
Account # XXXX XXXX XXXXCredit Card Account>>In regards to the reporting of of unverified and inaccurate information reporting on my Consumer Credit Report furnished by Transunion LLC>>Please BE advised that this is my second request regarding the the aforementioned account. The unverified account information remains on my consumer credit report furnished by your company in violation of Federal Law. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) requires you to follow reasonable procedures to assure the accuracy of the information in my credit reports ; 15 U.S.C. 1681i ( a ) and 1681s2 ( b ) require you to properly investigate and resolve disputed information ; and 15 U.S.C. 1681g require you to clearly and accurately disclose the nature and substance of all information in my credit files. Additionally, 15 U.S.C. 1681n, allow for punitive damages for the willful noncompliance with the FCRA.>> Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.>> In the results of your first investigation submitted via your online Dispute Center, you stated the following>> The item you disputed has been updated, which may include an update to the disputed information.>> Who verified this account information as accurate? Who verified that the information reported '' is accurate? >> You have NOT provided me a copy of ANY original documentation required under FCRA 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) ; and 611 ( 5 ) ( A ), where you are required to promptly DELETE all information which can not be verified.>> The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance, as the FCRA creates a private right of action against a consumer reporting agency for the negligent or willful violation of any duty imposed under the Act. See 15 U.S.C. 1681n, o.>> If you fail to comply with FCRA procedures for dealing with this disputed Public Record and  instead, inaccurately certify the information reported on their accounts as correct, I will not hesitate in pursuing litigation in this matter. >> If your offices can not provide the proper verifiable documentation, I demand the aforementioned Public Record be deleted immediately.>> Transunion has continued to report the following unverified and inaccurate information : 1 ) 30-day late payments ( XXXX and XX/XX/XXXX, XX/XX/XXXX ) >> 2 ) 60-day late payment ( XX/XX/XXXX ) >>