WillisBack/dataset-financial-user-claim huggingface dataset:
I have called and faxed Experian stating they are not reporting my mortgage and XXXX XXXX XXXX credit card that I have, they are the only credit reporting company out of the XXXX credit bureaus not reporting those XXXX trade lines. It has hurt my credit scores. I want them to report them, I called XXXX XXXX XXXX and XXXX bank and they stated they report to all XXXX of them and its an issue on Experian side. Please add these trade lines. I attached my credit report and my XXXX XXXX XXXX 2016 interest statement as proof. 

1 ) XXXX XXXX XXXX # XXXX 2 ) XXXX XXXX XXXX # XXXX
Brclysbankde-bank And my credit was ran by this company and it was not me at all who ran it
I have been dealing with my mortgage company, XXXX XXXX since they bought my mortgage in XX/XX/XXXX. They are supposed to take care of my property taxes. My property taxes are $ XXXX/year after residential exemption. However, they keep charging me {$2700.00} per year. I have contacted them via phone and FAX to ask them to reduce property tax withdrawals from my account to their escrow account, however, they simply ignore my request. Right now, I have {$1800.00} in my escrow even though I do n't owe any taxes for XX/XX/XXXX! And, XXXX XXXX ignores my request to return this money to me.
I have taken an auto loan, but it is being shown as other loan in my credit report. which might impact my final credit score.
We sold a home in GA and the lender was located in TX. The closing was set for XXXX XXXX, XXXX and the closing attorney in GA contacted the Mortgage company in TX to get the final payoff and to get instructions for payoff check. The company received the payoff check on XXXX XXXX and then proceeded to report a XXXX late payment for XXXX XXXX. Prior to this, there had not been any late payments on the account for over 16 months. 

This single practice has caused my XXXX XXXX to drop below the required minimum to secure another loan to purchase a home. It has caused a grave hardship to myself and my family. This practice is not fair and is being done to punish me for paying off the loan earlier than expected, thus allowing the company not to collect the full investment on interest from the loan.
Hi, My Name is XXXX XXXX. I am having problems with XXXX XXXX of XXXX, Ga filing incorrect information on my credit. I took out a loan with XXXX XXXX years ago and paid half the loan before being forced to file bankruptcy in 2006. XXXX XXXX reported incorrect amounts to my bankruptcy lawyers saying that I still owed the total amount borrowed instead of half. My bankruptcy lawyer cleared the mistake up. Since filing bankruptcy and also being discharged XXXX XXXX has continued to file against my credit as if I had never filed bankruptcy and as if I totally defaulted on all my payments. I personally stopped by XXXX XXXX in XXXX and spoke with the owner. He was horribly rude to me. I told him that he was still filing defaults on my credit despite the fact I filed bankruptcy. He said, " Oh Well! '' I said sir, " I will take this to court if you dont stop! '' He said, " See you there! '' It has now been over ten years and this man is still filing negative reports on my credit. He has totally ruined my credit score and is causing me to have to pay a higher interest on my car loan. I have had to personally hire XXXX XXXX XXXX services to assist me in disputing these false defaults of payment. XXXX is currently working towards this and they had a credit advisor call me today. The advisor said that not only should XXXX XXXX not be making these reports due to bankruptcy but it is unlawful for them to even be reporting on this any longer due to the length of time it has been. XXXX directed me to your sight and advised that I file a complaint on this matter and if the problem persists that I seek legal help. Thanks for your time and looking into this matter for me. 

Sincerely, XXXX XXXX
I have been running behind on my credit card due to a loss of income. End of XXXX my credit report reflected me 60 days late which was correct. I called the collection company handling their credit cards and they set me up on payments of {$240.00} a month and much lower reduced interest. I was told if I made my payment by XXXX my credit report would not reflect any further past due than 60 days. I did pay {$250.00} on XXXX. I received an alert on XXXX I had been reported 90 days past due. I called in to complain to Walmart and they said they didn't have access to credit reporting but would put in investigation to correct. Nothing ever happened. No phone call, no correction, nothing. On XXXX I paid another {$250.00} and on XXXX I again received alert Walmart is  now reporting me 120 days past due!!!! I was told this would not happen. What is the point of being on a payment plan if I keep getting further past due?? I called in and their employees are clueless. I have spoken to my bank and told I can dispute both of my payments and get my {$500.00} back if not corrected. I will give this until XX/XX/20 or I will have to get my money back from the bank.
I received A letter that my account had been turned over to I.C. Systems. I believe this collection attempt is in error, as it refers to a XXXX account that was closed in XXXX 2015. After the account was closed, I contacted XXXX after receiving a bill, and they informed me that their billing had simply not caught up to their emails, and that I owed nothing on the account. 
I attempted to contact IC System via their website and the phone number listed on their letter, but the website does not exist, and the phone number rang once and held.
Bank of America took XXXX dollars from my bank account because of over draft. I had money in my bank account and i try and get my money back and explain to them this was a mistake. Unfortunately they told me I can't get my XXXX dollars because I had to call before XXXX
I have a twin brother ( who has a similar name as my own ) and our SSNs are virtually the same sans a single number. With this being the case our credit reports have juxtaposed information on them. This presents a problem anytime our credit is checked.
On XXXX/XXXX/XXXX I contacted Direct Express at XXXX XXXX and spoke with customer service to dispute a transaction on XXXX/XXXX/XXXX of {$92.00} with XXXX XXXX They said they were transferring me to Dispute Department but I was redirected by the voice system to a recorded message telling me to call back and hund up. On my second attempt the same thing happened. i want to open a dispute for this transaction. I never checked in to this hotel or check out. There is no camera footage of me doing so. A family member was delayed getting into town. The hotel would not allow me to make adjustments well in advance. I want this transaction reversed.
I have been locked out of my Rush Card account direct deposit since XXXX/XXXX/15. XXXX XXXX explained to me they are the bank but XXXX XXXX is over the prepaid card. No real person answers the phone line, I get automated response when I email to company, the phone line is stating my card is not activated. I have not spoke to no rep from that business as of yet I am unable to pay a bill, eat, get medication buy gas for my car, my phone will be cut off, my rent, my utilties.
In XXXX, when I purchased an new oven from XXXX, I opened a XXXX credit card, which was issued by XXXX XXXX. In XX/XX/XXXX, the bank informed me that they were closing my account because " a number of dishonored payments ''. However, this was not true and the only payment that had been " dishonored '' was an online payment that was not accepted because of a problem with the bank 's website. After I contacted the bank and told them I believed the real reason they had closed my account was age discrimination ( I am currently XXXX years old ), the bank re-opened my account. 

In the winter of XXXX I was having numerous billing problems with my Lowes credit card account. For example, the Lowes bills I received did not include an itemized list of charges, but simply listed the categories of items purchased, e.g. the bill would say " HOUSEPLANT SOILS AND ACCESSORIES ; GENERAL PURPOSE ; COMMODITY SOILS AND SOIL AMENDMENTS '' with a total dollar amount of {$33.00}, instead of listing the particular items, such as XXXX XXXX Potting Soil, 4 lb bag, with the price of each item. 

I was also recieving email messages from the bank saying that my payment had not been received and my account was past due. However, the due date listed on the emails were not the due date on my bills, and the emails were sent 7 to 14 days before my payment was due. The bank also had charged me several late fees totaling over {$100.00}. The bank was also charging me an interest rate of 24.99 %! And on XX/XX/XXXX the bank sent me a letter saying they had closed my account again. 

In earlyXX/XX/XXXXI filed a complaint with the Better Business Bureau about the bank. OnXX/XX/XXXX XXXX XXXX XXXX, Senior Specialist, Corporate Consumer Relations at XXXX XXXX sent a letter in reply to my complaint and agreed to reverse the late fees totalling over {$100.00} that had been charged to my account, and denied that my " age was not a factor considered in this matter ''. There was no mention of the fact that my account had been closed, but I discovered that my account had not been closed despite the erroneous information contained in the banks letter of XX/XX/XXXX. 

In XX/XX/XXXX, when I went to Lowes to make a purchase, the cashier told me that the charge on my Lowes credit card was not approved. When I checked my account online, it appeared my account had been closed again, despite the fact that I had made every payment in a timely manner and my account balance did not exceed my credit limit. The following week, the bank sent me a letter saying they had closed my account, once again, with a list of bogus reasons for doing so. 

I believe XXXX XXXX has discriminated against me because of my age. And they have engaged in business practices that are fraudulent, or at the very least, willfully negligent. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX
Spoke to XXXX rep in XXXX - regarding my account and asked her to give me a better explanation regarding my account and the int rate that was getting for XXXX per month and asked her very kindly to remove or adjust it but she refused and told me that stay there and say : we do n't adjust rates ", I made my very best to communicate nicely with representatives from Citi but they just told not to help anyone. 


Fair lending act say : consumer have the right to ask CC companies for a breakdown of payments and better explanation of int rates on which i 'm not very knowledgeable about it and i fell i was set up on a predatory interest rate credit card. 


FYI - Citi has not responded and chose to ignored my previous request
This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX at XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX, TN XXXX or XXXX XXXX XXXX XXXX, TN XXXX also remove inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.
Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, XXXX, Experian, and XXXX are claiming to investigate it but my contact to the court denies this. XXXX claims to get this info from XXXX who I did contact by certified mail with no response ...
XX/XX/2015, I traveled out of the state of my Mortgage residence owned, XXXX, to work on a three month contract in the state of XXXX. My account at Bank of America ( Mortgage Checking Account ) was lost and lifted out of my name by Bank of America. The account status was never fully restored and payments to my mortgage when I returned to reside at my home in XXXX in XX/XX/XXXX-XX/XX/2015 were refused application to my Mortgage account and lost. I also found two years of Escrow take on my Mortgage Escrow funding.
I wrote  XXXX , Equifax, and  XXXX  in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was the  3rd party  is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.
I have 3 accounts on my credit file from XXXX XXXX - acct # XXXX they are all listed with the same account number these accounts have been on my credit file for longer than 7 years. XXXX deleted the accounts as of XX/XX/2018 but they still remain on file under XXXX and Equifax. 

these accounts should be excluded/removed from my credit file based on the 7 year law
I am in Chapter XXXX and asked for a payment history for my mortgage from my bank and they wo n't do it unless my attorney sends a letter.
I had a loan Chase, and decided last year ( 2016 ) to refinance my loan to take advantage of historically low rates and lower my payments. During that process, which was so bad Chase gave me a credit, they made a mistake an under funded my escrow account by over 50 %. I was not made aware of this issue, until Chase sent me a letter saying I owed them over {$4000.00} to cover the shortage. 

I spoke to Chase and they admitted that this was indeed their mistake, but it was still my responsibility to cover the escrow shortage of over {$4000.00}. While it is 100 % their mistake and they admitted to it, they refused to attempt to make it right in any way and are still forcing me to pay this shortage. 

This was a mistake that they made at closing, they admit they had all the information, they admit they underfunded the escrow account - but they refuse to make it right. I am now forced to pay over {$4000.00}. They are making well over {$100000.00} in servicing this loan, and now I 'm forced to cover their incompetence?
I have a situation where XXXX XXXX is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing home depot for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate home depot 's process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.
I was in the planning stages of getting a home mortgage with WF. I was encouraged by my mortgage broker to open a bank account with WF as this would facilitate the loan process. I opened the account with {$50.00} ( I was told I could start the account with as little as {$25.00} ). I was not told at the time that there would be monthly service fees if my account balance was below a certain minimum ( and evidently the minimum was greater than {$50.00} ). 
Logically I would never have opened an account with less than the minimum required to avoid monthly penalties. Ultimately I decided to get my home loan with another lender. When I went to WF to close the account I was told that the account was already closed and that the balance of the account was XXXX at the time of closure. Evidently, WF removed monthly fees until all {$50.00} was removed and then closed the account. I never received any notification that this money was being removed from my account
In XX/XX/XXXX I obtained a copy of my credit reports and noticed that XXXX XXXX was reporting a derogatory entry to the bureaus. Prior to this date, I had not received any documentation from this company informing me of the alleged debt. To that end, I drafted a dispute letter to them ( see attached ) whereby I was in essence disputing the validity of the alleged debt they inserted on my credit reports. I requested that they provide me a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges, and date of charges posted, copies of any papers that show I agreed to pay what they were alleging I owed. To no avail. I did not receive any communication from them. 

In XX/XX/XXXX, I again disputed this account with Convergent requesting they provide the aforementioned information. Again, to my dismay, I did not receive any correspondence from the company. I then disputed with the bureaus again, only for the accounts to be verified. I am confused on how the bureaus are able to receive a response from them but I am not. My communication was sent certified with a return receipt and they have been in receipt of both letters, yet choose to not respond. 

These entries appear to be unverifiable, untimely and inaccurate ; therefore, they should IMMEDIATELY BE DELETED FROM MY REPORTS!
They are stating that I owe XXXX thats not true. Also I was in contact with the original creditor and on payment arrangements when this debt was place on my credit report. I have never done business with Monterey Financial Services. I do not have a signed contract with Monterey Financial Services. I have a right to demand that Monterey Financial Services furnish the signed contract between them and myself. Also this company is not licensed in the state of Tennessee. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 ( short title ) and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in Tenn without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.
First. Nationstar is in the ACT of Dual-tracking, I attached the foreclosure petition by Nationstar attorneys.  Currently  nationstar has a complete modification pending, in fact I appeal their wrongful denial on  XX/XX/XXXX  and attached. I received no written response from nationstar but they received my appeal by fax email and mail. Attached is proof of the foreclosure petition filed and served and concluding nationstar in the ACT of wrong doing by  Dual-Tracking ( Filing  a foreclosure complaint while pending modification review ) I have always had a pending application with nationstar. See attached proof!  <P/><P/> This is my  2nd  complaint against Nationstar, I have been getting wrongfully denied HAMP FHA Partial claim/combo since early  XXXX . Just denial letter after denial, I attached my most recent appeal with proof from FHA mortgagee letter XX/XX/XXXX  and supplemental directive  XXXX .  <P/> My complaints involve Numb er 1 Dual-tracking and number 2 wrongful FHA HAMP  PARTIAL CLAIM  COMBO  DENIAL. IN FACT, NATIONSTAR HAS N'T REVIEW ME EVER FOR A PARTIAL WITH ALL THEIR DENIALS SINCE EARLY  XXXX . THIS IS HRRIBLE, I AM BEING DISCRIMINATED AND NOW THE LENDER IS DUAL-TRACKING TRYING TO ILLEGALLY FORECLOSE.  <P/>  XXXX FYI ATTACHED IS THE PROOF OF THE FORECLOSURE PETITION I WAS SERVED WITH A FEW DAYS AGO BY NATIONSTAR, IT PROVES THAT NATIONSTAR IS DUAL-TRACKING, SEE ATTACHED MY APPEAL SENT AND DATED  XX/XX/XXXX  CURRENTLY UNDER REVIEW WITH NATIONSTAR. THERE SHOULD NOT BE A FORECLOSURE PETITION BECAUSE I AM IN THE MIDDLE OF A LOAN MODIFICATION REVIEW AND DISPUTE. PLEASE PROVIDE CONSUMER PROTECTION DUE TO NATIONSTAR AND THEIR ATTORNEYS FRAUDELENTLY TRYING OBTAIN JUDGEMENT OT FORECLOSURE WHILE PENDING MODIFICATION REVIEW.  <P/> AGAIN, THERE SHOULD BE NO LEGAL ACTION STARTED BY NATIONSTAR CONSIDERING THE #  1  WRONGFUL DENIAL AND MOST IMPORTANTLY MY MORTGAGE ASSISTANCE APPLICATION IN REVIEW AND APPEAL IN DISPUTE WITH THE DENIALS. NATIONSTAR IS PURPOSELY DENYING ME ASSISTANCE AND SINCE  XX/XX/XXXX PER ATTACHED  XXXX , I AM ELIGIBLE FOR FHA HAMP PARTIAL CLAIM AND COMBO. AND THE BACK END RATIO DEBT TO INCOME OF 55 % WAS ELIMINATED SO HOMEOWNERS COULD QUALIFY EASIER FOR FHA  HAMP  PARTIAL CLAIM.  <P/> FINALLLY, THE DENIAL SINCE EARLY  XXXX  BY NATIONSTAR ARE FRAUD ACCORDING TO FHA  MORTGAGEE LETTER   XXXX , IN WHICH NATIONSTAR IS A PARTICIPATE. ALSO TAKE INTEREST TO BORROWER SOLICITATION IN WHICH NATIONSTAR IS IN VIOLATION AGAIN!!!
I was charged a interest rate of 39 % .. I do not believe my credit constituted such a high credit score.. I was sold XXXX insurance when I was already XXXX. The checks to the insurance companies were signed before the loan documents. I was not told it was voluntary because the checks had already been cut to the insurance companies and I was not even asked if I wanted yet.. I was told I had to give my consent to withdrawal payments from my account and later found out it is illegal to make that a condition of the loan. I believe XXXX XXXX violated the EOCA of XX/XX/1989 by charging me a int rest rate that was discriminatory. I am on XXXX for XXXX XXXX and I take m di cations to XXXX me. Including XXXX and XXXX medication. I could not keep up with the salesman who was rushing through the paper work.. So I'm not sure what I was signing.. I believe I was taken advantage of by XXXX XXXX Because of my deminished capacity to understand the seriousness of what I was tricked into signing..
I Applied for HELOC With BoA on XX/XX/XXXX Submit all the documentation My credit score was aceptable by the bank guidelines. The House has a positive equity. Application number # XXXX value {$380000.00} requests amount {$65000.00} Initial advance at closing {$35000.00}. I was contacted by XXXX XXXX at XXXX XXXX XXXX XXXX. on XX/XX/XXXX I was told that the bank ca n't borrow the {$65.00} K only $ XXXX ask why he said that value of the house $ XXXX, Finally I said Ok I accept that amount, Follow the conversation he contact me with closing team comferance call with a closing team for the loan. She read the disclouser HELOC amount interest rate for 12 months discount and after that increase around 1.25 % more. I was agree with everything she said to me. We all three said good bye on Agree. TKS. 

Next day I received a phone call from the angry Laddy at the HELOC department that my Loan was denied. I Was shock and upset by the decision .I ask what happen I was agree on everything with closing team. She said that underwriter person decided not to go with the loan. I spoke with underwriter and he apology several time, The apology is nothing to me I need the fund. 

I asking the bank to review the underwriter decisicion. They first appoved the loan and latter day they denied.
I recently had my checking account garnished without warning for XXXX ( which has rendered me unable to pay my utilities ) i recieved a letter stating i owed XXXX after the fact. I traced where this came from and it was due to account from a XXXX account i had XXXX years ago and im fairly sure the credit limit was XXXX.