WillisBack/dataset-financial-user-claim huggingface dataset:
Credit scores are based on Credit history and payment pattern. These scores are used to assist lender in determining whether one will obtain a loan and/or what interest rates may be offered on mortgage or even a credit card. 
During a recent research into my credit files, it had been revealed that the credit bureaus reported a XXXX payment history, excellent rating on number of accounts, good rating on age of accounts, just to name a few categories. 
Scores are based on the information contained in your credit report, confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used. This I understand One credit reporting agency stated that they are unable to accept a dispute regarding your credit score and can not advise you on how to improve your score and that the Adverse Key Factors will not be deleted from your credit report. This is inaccurate data and should be removed. I am disputing you reporting adverse key factors. I find your actions not to remove these adverse key factors totally absurd and totally inaccurate. 
Credit Bureaus appear to categorize accounts under specific Key Factors, derived from information reported by the credit bureaus. Customer being unable to determine what accounts are categorized under a particular key factor, has no chose but to dispute the reported key factor. For example which accounts are delinquent? If you find no delinquent accounts, then this key factor should not be reported to creditors nor should it be reflected on ones ' credit file. Research has revealed that the credit bureaus did not provide any data to support these adverse key factors or list accounts that have been labeled as an adverse key factor. 
Attached are letters and disclosures which state the identical adverse key factors that had been reported back in 2012. No changes in verbage. Looks like these adverse key factors may have been copied and pasted. 
Credit Bureaus stated that the customer must confirm that the credit information on your report is accurate regardless of the model used. These Adverse Key Factors not being deleted from credit reports are contradictory, because these comments are totally inaccurate.
I Want to file a complaint about Bank of America For Foreclosing wrongly on me and my familys only home we had and loved! Bank of America ruined our life 's and we have been XXXX ever since they wrongly foreclosed on me during a loan modification I was almost done with and approved for! Its been almost 3 years since Bank of America took our home and all I received from the lawsuit was XXXX. Thats not even a mortgage payment! How is this fair or rite at all!? Bank of America should have to give us back our homes or help us get new ones since they were wrong and took everything from us we worked so hard to get!
On XXXX/XXXX/16 I decided to take advantage of an offer I received from Chase Slate, using a balance transfer check to pay for an emergency home repair. I carefully read the terms outlined in the letter for the process of using a Chase Slate check as payment to the provider of services. First, the check must post to my account by XXXX/XXXX/2016 ; the date was XXXX/XXXX/2016, so I saw no problem with this. Second, the balance transfer check written can not exceed {$15000.00} ; the amount of the check was for less than that and did not exceed my available credit. And third, only a check issued by Chase Slate is valid, a copy or reproduction of the original check will not be honored. I was good to go ; upon completion of their work on XXXX/XXXX/16, I wrote them a check, using a Chase Slate balance transfer check. On XXXX/XXXX/16, I received a call from the local company who did my home repair. He said my check bounced and he also incurred bank fees.I told him to redeposit the check ; I would call Chase and get it straightened out. I obtained a copy of the returned check from our local bank and contacted Chase. After speaking with XXXX different customer service reps, they all told me the check had never hit my account on their end. Well it had to because it was returned. They took the pertinent info so it would not happen again, since it was redeposited. On XXXX/XXXX/16 I received another phone call from local company saying my check bounced again and there were additional bank fees. At this point I turned to family to secure the funds needed ; I was humiliated enough at this point. I called Chase again, speaking with XXXX more reps. They claimed the check still had n't hit my account on their end. Really?? Then where is it going? This time the reps verified that the check I used was not bogus. Everything matched up, so she assured me it was legitimate. She also suggest I write a complaint to Chase about the situation and gave me the address for correspondence. On XXXX/XXXX/16 I sent my complaint to Chase. I noted that I needed to hear from them within 2 weeks of the date on the letter or I would file an official complaint ; I included my cell number. I sent that letter 16 days ago and have had no contact from Chase regarding my complaint. I did however receive an email survey pertaining to my phone calls. Other than that ... nothing.
Mishandled my information, which puts me and millions of other people at risk. I also am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
We bought our home XXXX years ago however have made significant improvements. Based on our estimated new value, we suspect we would have hit 80 % LTV ratio on our mortgage. We submitted a request to our mortgage lender to cancel our PMI. They explained the process to use which included an appraisal at our cost and gave us the final number the appraisal would need to come in at to cancel the PMI. We signed this letter and awaited the scheduling of the appraisal from the bank. The bank then called and told us since we hit two years on our mortgage since the request, we now had a new standard of 75 % LTV ratio which now significantly increases the value we need to get on the appraisal. I ca n't find anywhere that this is normal or legal and it directly contradicts the information they gave me just weeks ago. Do I have any recourse in this situation? The bank is Everbank. We are on time for all our payments. This seems completely unfair that they can change this because now paying {$420.00} for the appraisal is a much bigger risk if we can not get the new appraisal value which they quoted us by phone ( about an XXXX increase from what they originally told us in the paperwork we signed requesting the PMI cancellation ). Also, how will I even know if I can cancel PMI if they keep changing the LTV standard???
Citibank atm took my money without depositing in my account, and only paid me back a portion of the funds. The branch is giving me the run around after claiming fault.
This is in response to complaint number XXXX, filed against XXXX. XXXX  seems to be confused as to the reason of my complaint. It WAS NOT a dispute complaint, as this is NOT the forum to properly file a dispute. The nature of the complaint was to inform the CFPB of the violations that XXXX  is perpetrating against me. As stated, I have formally requested on more than one occasion to have several trade-lines on my personal credit profile 'validated '. I have furthermore asked that according to the law, that after validation ( if possible ) have those validating items sent to me proving they those trade-lines belong to me. Validation proof, according to the law would be contracts with my WET INK signature on them. XXXX  HAS NOT followed the law according to the FCRA by sending me this validation. Yet XXXX  only sends that the trades-lines are 'verified '. The law states that there should be a 'reasonable investigation ' for a consumers disputes. Waiting 30 plus days to receive that the items are 'verified ' WITHOUT following the federal guidelines of my disputes are a gross violation of my federal rights.
I have written several letters to this company asking them to validate the debt. They never respond and continue to report this inaccurate information which is a violation of FCRA and FDCPA. My most recent letter dated XXXX XXXX, 2015 is attached.
M & T bank transaction fraud : I sold my house on XX/XX/2018. Closing was finalized and my attorney paid the payoff amount to M & T bank. 6 days later on XX/XX/2018, M & T bank withdrew another {$700.00} from my account for mortgage payment. 

I first called my attorney to make sure everything had been settled and they assured me it had and forwarded me the documentation. Then I called M & T bank to ask what was going on. A summary of the conversation is as follows Me : " I closed my mortgage on the XXXX and today ( XX/XX/XXXX ) I had another mortgage withdrawal from my account '' M & T representative : " I see you did close your account but you had auto-pay setup with us so it withdrew the money automatically. It is your responsibility to cancel your auto-pay or another payment like this will happen '' Me : " Don't you have any simple regulation logic in your system to check if a mortgage is closed and paid in full, to not take more money from a person 's account? '' M & T representative : " No '' Me : " Is there any way of you reversing this transaction '' M & T representative : " No we can't do that on our end. Sorry. But don't worry once accounting finalizes everything. If we took too much money we will just give you a check '' Me : " That doesn't seem right that you can just take more money than you are supposed to '' M & T representative : " I understand, but you were supposed to cancel your auto-pay and you didn't and this is why this happened. You will get a check with the amount if we took too much money '' Me : " Again, it seems weird you don't have some regulation in your system setup to prevent this '' M & T representative : " I'm sorry, is there anything else I can help you with? '' Me : " No '' It seems illegal for a bank to essentially take more money than they are allowed to from my account without my permission and claim it was my fault. Then tell me it is ok they will just send me a check at some unknown time in the future. It seems M & T bank is not being accountable for their actions.
Most of the things were disputed but not all of them. They are all medical bills when my identity was stolen.
XXXX XXXX, the original creditor of XXXX credit card sold an " unknown '' old debt to a debt collector XXXX XXXX  XXXX XXXX ( https : //www.portfoliorecovery.com/ ). I closed this account in XXXX, when my filing of divorce with my Ex wife, for what I believed that this debt was paid off, I called XXXX card and they told me it 's XXXX balance. 
My reason for protesting is, Im not convinced that this is not a fraudulent charge. Ive been harassed by collectors at work, still dont know if their claim is valid or not. My understanding is, they should not be contacting me at work. These days, its hard to just believe or accept such claims, due to advanced technologies, many are false. Im still questioning the validity and amount. 

Portfolio turned it over the XXXX XXXX XXXX XXXX XXXX  located in XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They wo n't answer phone calls. I want to tell them that I do n't know anything about this debt. Before it was turned over to them. I received a call at my work place telling me to give the phone to my employer and I will be called or summoned to appear at court. It is illegal for Portfolio Recovery , Associates and XXXX XXXX XXXX to threatened me like that and calling me sometimes after XXXX. Nowadays, you wo n't just accept or believe a phone call or a letter through the mail that someone is claiming that you owe them. Portfolio recovery sent me some copies of proof of debt and I do n't even know the address that was indicated in the bill and it 's not even my address.. Obviously, someone used the credit card in the past. I closed the card in XXXX and all of a sudden they called me early this yearXX/XX/XXXX to tell me that I owe them. After 5 years??
Due to my recent divorce, I wanted to refinance the house in which I lived in my name only. The mortgage was originally taken out at XXXX XXXX XXXX, XXXX, Iowa and they sold the original mortgage to Loancare , LLC. It is against Loancare , LLC I am filing my complaint. 

I went to XXXX XXXX XXXX XXXX and applied for a new mortgage in my name only. The lending department at XXXX was instrumental in reworking a new mortgage and they proceeded to seek a payoff from Loancare , LLC starting on XXXX/XXXX/XXXX. A payoff due Loancare LLC of {$200000.00} was received by XXXX onXX/XX/XXXX. ( Reference the attached notes from XXXX, the loan officer, to see the efforts made to receive this initial payoff ). On XXXX/XXXX/XXXX a second, and new payoff in the amount of {$190000.00} was received by XXXX. This payoff used the wrong good through date of XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX as the payoff ; in addition, the total loan amount due was both printed wrong and added wrong! 

XXXX assumed, for reasons in XXXX notes, the second payoff was correct and they wire-transferred {$190000.00} to Loancare LLC on XXXX/XXXX/XXXX when it came out of rescission. A third payoff letter then arrived at XXXX on XXXX/XXXX/XXXX in the amount of {$200000.00} stating the payoff was made after XXXX XXXX, XXXX so another month of interest ( {$770.00} ) was added. 

At this point, I made four phone calls over several days including a conference call at and with XXXX loan officers. Typically, I was put on hold for long periods ; told there was no one in management available ; or the phone simply went unanswered during regular business hours. I then went to XXXX wondering what to do next. The loan department went to XXXX XXXX XXXX XXXX, Chief Operating Officer at XXXX for help. He made several attempts to reach Loancare LLC and on one attempt was on hold for fifty minutes. 

Now, as of XXXX Loancare LLC has issued a fourth payoff in the amount of {$200.00}, XXXX stating yet more charges were added to the loan. This is beyond reason! Through this entire process, XXXX made more than ten phone calls to Loancare LLC and I made at least four. All the attached evidence clearly shows Loancare LLC made the errors that created this mess. What is most frustrating is their admission they were in error but still unwilling to remove the extra month of interest and putting the amount owed back to {$200000.00} ; if not actually XXXX which they said was due and which XXXX wired to Loancare LLC as requested on the Loancare LLC wire.
The original account holder is XXXX XXXX. This account has already twice been sold to collections and both times the tradelines have been deleted when my disputes were found in favor of me the consumer. They have once again sold the account to another collection agency Diversified Consultants. This is not an owed debt in anyway. I have not had XXXX XXXX since 2013 and all equipment was returned. As i have said this account has already been disputed and deleted before and this is another attempt to collect debt that should not exist. If the tradeline is not deleted as the previous two attempts have been i will be forced to file a civil suit against Diversified Consultants and XXXX XXXX.
I had XXXX 0 % promotional balances - XXXX expired XXXX/XXXX/17 the other expires XXXX/XXXX/17. On XXXX/XXXX/17 I made a payment of {$6700.00} fully expecting it to go against the expired promotional balance which was now at 10.74 %. Instead the payment was mostly applied against the XXXX/XXXX/17 promotional balance and Chase started charging me 10.74 %. When I called and spoke to 3 levels of Chase management, I was finally told by XXXX, a Manager, that they could apply the payment anyway they want ( to their advantage ) and I had no recourse
On XX/XX/XXXX approx I opened a fraud complain on recommendation for cc and debt to use a credit stimulate at XXXX credit reporting on a member I could that they took off my mortgage with XXXX XXXX XXXX was gone removed membership on XX/XX/XXXX found it on my report from XX/XX/XXXX They refuse to put it back on credit report rude harmful on the credit inquiries the file shows me with no credit and incomplete denied all they experian said on my file secure file that waoukfnahve an excellent approval all denied But now on XXXX soft hit I have no credit enough to generate a fico score Please put my mortage back on my cred report they are rude hang up and tell me it's tough but it's suppress and various other reason. My other two credit agency are listed my mortgage can I help XXXX checked with XXXX XXXX   everything is fine they are reporting regularly
On XX/XX/2018 I received a letter from XXXX stating that I need to recertify for XXXX XXXX XXXX XXXX ( XXXX ) by XX/XX/2018 or else my monthly payment would increase from {$970.00} to the standard payment amount of {$2300.00}. 

Then on XX/XX/2018, I received a bill for the increased amount of {$2300.00} ( well before the clearly stated date of increase ). I immediately recertified for XXXX and contacted XXXX about this issue stating that I believed I should have been billed my previous monthly amount of {$970.00} until XXXX. The rep agreed and told me to make a payment of {$970.00} ( which I did ) and told me the account would be reviewed and this should be resolved within 10 business days. XXXX would cover the difference between what I should have been billed and what I was billed : {$1400.00}. 

I received no word from XXXX until XX/XX/2018 when I received a new bill still showing the past due amount of {$1400.00}. My husband called XXXX and talked to XXXX ( rep # XXXX ). He was very friendly and again reassured that he would file a review hoping to clear the mistaken charge of {$1400.00} and ensure that our payment of {$970.00} in XXXX would be a qualifying payment towards XXXX XXXX XXXX XXXX. 

Having still received no resolution from XXXX a month after initially calling them to resolve the issue, my husband called XXXX for a third time and spoke with XXXX XXXX ( rep # XXXX ) who told him my account was overdue and had the potential for negative credit reporting. She said there was still no resolution from the account review. 

This is unacceptable service. I have no choice in student loan servicer and must be able to trust XXXX when they tell me what my payments will be. Now I am at risk for negative credit reporting due to a mistake on XXXX 's part ( which they repeatedly admit was their mistake ) and they are unable or unwilling to resolve this issue in a timely manner.
U.S Bank paid out settlement monies, twice, in regards to a lawsuit. Whenever the monies came due, the bank finalged with my account costing me close to XXXX in overdraft fees. I get SSI, 733 monthly. I called to check my balance and it was good, soon as I used my card the bank withdrew money from a bill from two weeks prior which led to several overdraft fees. The same thing happened with this last settlement payment. This bank is using our money to help pay their settlement judgement.
Firstly, I am impressed with the ease of using your website to file this complaint. Thank you. 

Second, I must apologize for my selection of categories for my issue because none of the categories accurately reflect the nature of my issue. 

Finally, on XX/XX/2019, PayPal delivered a Notice of Policy Updates. The Notice indicates that I will need a " balance account '' linked to my current PayPal account due to " a new regulation issued by the Consumer Financial Protection Bureau in Washington, D.C. coming into effect on XX/XX/2019 ''. 

After an hour or so of searching the CFPB site as well as the broader Internet for " balance account '', " PayPal Cash '', " cfpb cash account '', " cfpb paypal '', etc. I have only come across one article describing a consent decree resulting in a $ XXXX settlement, which unfortunately has nothing to do with this " balance account ''. 

Additionally, due to my limited literacy in financial legal terminology, I must concede that I am left with the impression that PayPal may have taken some obscure ruling of yours to automatically open an account for me ( " PayPal Cash '' ) without my active consent by the wording " If you agree to these changes, you dont have to do anything. ".
I have a private loan with Navient and my payments are too high too pay, and ya 'll say I 'm not able to lower my payments, in which it makes it hard to keep the payments current.
XXXX XXXX XXXX is reporting on XXXX XXXX and transunion.the account is not mine.I never ordered or received a phone or service.The time of opening coincides with the time my purse was stolen and a police report filed for that. 
Delete the account, it is legally impossible to validate as mine.
CITIMORTGAGE Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.
I am sending you this message in regards to the errors that your company has listed on my credit file. I have contacted the creditors but I havent received any responses back as to how the errors were placed on my credit file. At this point I am fed up and Ive reached out to the creditors, bureaus, cfpb, ftc for the final time before taking legal actions. I have asked for the verification process as to what steps are taken to ensure that any error is for the consumer as to my avail no one Creditor responded nor did any of you credit bureaus. The following errors are inquiries and I am disputing the following erroneous items. 1 ). XXXX a. XXXX b. XXXX XXXX c. XXXXXXXX XXXX XXXXXXXX 2 ). EQUIFAX : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3. XXXX XXXX 3. XXXX  : a. XXXX XXXX b. XXXX XXXX XXXX. I am dusputing the inquiries as an internal dispute which only takes no more than 3 business days. I am not aware of the inquiries. I have contacted the necessary parties. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all inquiries you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the inquiries listed below. Your failure to positively verify these erroneous inquiries has hurt my ability to obtain credit. Under the FCRA, unverified information must be removed permanently and immediately and if you are unable to provide me a copy of verifiable proof, you must remove the erroneous listed below. 

I demand the following inquiries be verified or removed immediately. XXXX  a. XXXX b. XXXX XXXX c. XXXXXXXX XXXX XXXXXXXX 2 ). EQUIFAX : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3.  XXXX XXXX 3. XXXX : a. XXXX XXXX b. XXXX XXXX XXXX.
I have contacted XXXX XXXX about a late payment they are reporting to all 3 credit bureaus that is inaccurate and they have rejected to remove the inaccurate credit mark. My XX/XX/2018 payment was made 31 days after it was due and my XX/XX/XXXX payment was made 7 days after it was due. They are reporting that my XX/XX/XXXX payment was made on time and that my XX/XX/XXXX payment was more than 30 days late which is false and against the law for the credit bureaus to report such false information.
XXXX XXXX XXXX calling about a debt i do not owe and better stop calling or i will sue them!
I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS XXXX which are not mine. I have sent numerous letters and made numerous phone calls to no avail. 

Here are the following dates in which these XXXX items have been addressed : XXXX XXXX XXXX