WillisBack/dataset-financial-user-claim huggingface dataset:
A landlord is illegally reporting false credit information to XXXX and XXXX is refusing to validate the dispute. A judge ordered a judgement in the amount of {$2200.00} on XXXX and XXXX XXXX is reporting that I owe {$10000.00} and is refusing to remove this information even with a copy of the actual judgement.
I have requested that all XXXX credit companies Equifax , XXXX, and XXXX XXXX to remove any and all items related to my ex husband. Also have asked to remove negative items and incorrect personal info. They have not
I have disputed multiple items that are being reported on my credit report inaccurately. XXXX continues to report past due payment history information that is older than 7 years. I have sent in many disputes regarding this including the fair credit reporting act which states information more than 7 years old must be removed from my credit report. There are several student loans on my credit report that fall under this dispute.
My loan is being serviced by XXXX Account # XXXX Originally the loas were with XXXX XXXX and XXXX. Both companies failed to properly provide counsel regarding loan consolidation and the current company is calculating my payment using my gross payments.
XXXX   XXXX ,    2016,   XXXX   XXXX  credit card deducted  XXXX  allotments from my military retiree pay.  XXXX  in the amount of {$74.00} and  XXXX  in the amount of {$67.00}. AAFES applied the {$74.00} to my balance, but to date has not applied my {$67.00} payment. AAFES has ignored every attempt to correct this situation. I have sent them a certified letter with documentation, called them and even filed with The Better Business Bureau. AAFES has ignored my certified letter, the BBB complaint and my phone calls. If they had applied my {$67.00} my account would have possibly never been sent to collections. I want my {$67.00} plus interest applied to my account. And if the {$67.00} would have been applied I would not have been 3 months behind. I am still paying on this account, I do not intend to ignore my obligation. I contacted AAFES and let them know I was out of work  for 6 weeks  due to a broken ankle and that caused financial issues, but they did not care. That spiraled my delinquency.
I have had PennyMac as my mortgage company for over 2 years and they are consistently not paying my taxes. Money is coming out of my account in escrow each month. Most recently I called on XX/XX/2017 after I received a late notice from my tax collector. They said they would process for payment. A month later I received a judgment from my township because my taxes were n't paid. A customer rep said a payment was made for {$1300.00} on XX/XX/2017 - nearly 2 months after I called. This does not include any late fees. I 'm appalled this continues to happen. I 've asked them to please remove the {$220.00} PMI fee that I pay them to insure my monthly payments are made. What assurance do I get my taxes will be paid?
On  XXXX   XXXX ,  2017 , a man knocked on my door to notify me that he bought my home on Auction at  XXXX  that morning. I had no idea my home was up for auction as I did n't receive any notification of such. I immediately reached out to the company Wells Fargo Referred me t o (   XXXX   XXXX   XXXX   ) to  assist with my loan modification documents and they stated they were also unaware of any auction date. My loan became delinquent about 8 months ago after my   XXXX   XXXX   was cut and I have been working with Wells Fargo the entire time to receive some sort of assistance. I recently received a new job with a higher paying income and submitted the new documents to be considered for assistance. I was informed by  XXXX   XXXX   XXXX  that once they received these documents ( the offer letter  ) th at we could move forward with mediation. I have sent numerous emails and made numerous phone calls inquiring of the status of my modification since and received no follow up until the morning I received the knock at my door. I had no chance to file bankruptcy or take any other steps to save my home. I want a fair review of my application.
I have 3 credit accounts with Navy Federal Credit Union. 2 credit cards and a car loan. I was one day late on one credit card and they way Navy Federal 's online account works, it forced me to pay double and it forced me to be one day late on another credit card and pay double the minimum payment as well. 

As soon as you are one day late paying your credit card, Navy Federal locks you from accessing your account online. It takes you to a screen that forces you to make a payment, you can not navigate away from this screen to pay other Navy Federal Accounts. One day late and my payment went from {$480.00} to {$990.00} instantly. Since I was locked from paying my other accounts, this forced my 2nd credit card to go one day late and making me pay double the minimum payment on this account.

This is very deceptive and can hurt consumers.
I sent a Money Gram for {$490.00} to an individual. I received a notice from someone supposedly in the same office that the recipient received the money but had an automobile accident and because of some electronic problem I was asked to send the same amount of money in order to re- ceive a refund. I was n't going to make a second mistake by complying. I attempted to speak with personnel from Money Gram, but between the person 's accent and poor telephone connections, I am unable to understand most of what she is saying except that the person did receive the money. She attempted to tell me what I should do, but most of our con- versant was unintelligible for me. Of course, no service was given for my laptop.
A guy was offering a service for a game. It turned out to be a scam after he had a buddy and myself send him money on paypal thru the friends and family way. But once he received the payment he stopped communications but has contacted others during this time. Have all the proof from the conversation and also have my buddies from them talking at the same time as he was avoiding me.
I was a victim of identity theft. Someone tried to apply for an Exxon Card in my name. When I noticed the inquiry on my credit file I notified Exxon thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Exxon.
We were contacted from The Student Loan Pro who knew all of my information about my student federal loan. They told me I could pay them XXXX to consolidated my student loans. Never once mentioning this is a free service through the federal government. When my wife called on her student loans they explained its a free service to consolidate the loans and that we should contact CFPB on what was being done.
On my BEST BUY statement I notice there were fees regarding a Debt protection program which I never authorized for. I have been a Best buy credit card member since 2009 and the fees over the time are between $ XXXX-XXXX. Some of the fee charged are not even documented on my statement.They have charged me over {$2400.00} in these fees. The problem is if they did not charge me these fees I would of been able to pay off my credit card in time before the promotion was over. Now I got charged by BEST BUY over {$3000.00} in interest fees. Which this made me go over my credit limit also caused an bad impact on my credit score.I have contacted Debt Protection and they stated they will send me documentation and investigate the issue also refund my money buy it will take 30 days. Then I called BEST BUY ( worst customer service ) they stated they do not have any documentation in regard to these fees and the company was a third party. I told them the only thing I signed up for was a BEST BUY CREDIT CARD an now there are fees from this program on my BEST BUY statement and so they have to be a part of it and have some documentation. Best Buy ( XXXX ) said no. I told him I did not go out of my way to get this program and have more fees added to my monthly payment its RIDICULOUS. These fraudulently added by one of their employees. The only thing I signed up for was a BEST BUY CREDIT CARD. There was no mention of another program there is no way I would want to add more charges to my account. DO NOT GET A BEST BUY CREDIT CARD!!!!
Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, Experian and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.
I applied for a re-fi loan on my home with Navy Fed. Union the loan application took over 8 months with multiple problems and issues. I am a XXXX service XXXX and within the last 3 yrs XXXX these people told me in the beginning that I did n't have a VA loan I submitted XXXX mortgage applications I finally signed the papers to finish the loan process but I was unhappy with the new higher interest rate. I believe all paperwork for this loan over the last 8 months should be reviewed by the Bureau as the whole process has been very stressful for me and they have not resolve any of my complaints.
I disputed that this account that I am no longer an authorized user on this account as of XXXX/XXXX/2016 and it does not belong to me. I requested to delete the account. My investigation results did not remove the account and instead your company kept the account on my credit profile. 
I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately. At one time I was an " Authorized User '', however, I requested to be removed as an authorized user on XXXX/XXXX/2016. 
Creditor : XXXX Account Number : XXXX .... 
Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile. I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible. 
I look forward to receiving a copy of my corrected credit report. 
Thank you for your help.
I recently checked my credit report and noticed Debt XXXX XXXX XXXX XXXX reporting a negative mark. I called them and first representative that answered was rude and hung phone up on me. I then called back and spoke with a XXXX, who had no employer ID number, and after explaining to her that this is n't my account and most likely is a fraudulent account, she said that they will remove this from my credit report. I am writing this complaint to make sure she does what is suppose to be done and remove this negative mark from my credit report.
On XXXX XXXX 2015 we sent Chase bank a letter requesting, under the XXXX XXXX XXXX, part of RESPA, a " qualified written request ''. Chase responded they do n't recognize our current address and asked us to send them a signed letter verifying our current address which we did, along with another copy of the original letter on XXXX XXXX 2015. They responded with same request for us to send address verification. 
We have done so. If you look at our credit reports our current address shows up, if Chase does not believe us a soft inquiry to our credit report would solve the problem. They have done these inquiries in the past. It is obvious they are avoiding us and breaking the law which REQUIRES a response in 20 days. They are intentionally causing us harm and we believe part of it is because we are a XXXX XXXX family.
On XXXX/XXXX/XXXX my son went to XXXX and traded in his XXXX XXXX XXXX, and was financed a XXXX XXXX XXXX, they over charged him and his interest rate was 25 %. I thought that was way too high and illegal. His car note is {$430.00} monthly. He ca n't get out of this car because everyone is telling him he is upside down, now this is why I am contacting you because of the issues we are having with this car, and we also tried to refinance, but our credit union will not do it. I feel that XXXX seen my son as a young XXXX year old coming in there and they went to work on him, they gave him a high interest rate, and now he is stuck with high monthly payments for the next 72 months. Please help my son with whatever can be done. I do n't feel good about this at all, I really think XXXX just was looking for a commission and not helping him at all, nor was they at all in his best interest. He is a first time buyer ( being finance ) his credit is good.
Hi, I recently this month disputed a debt with   XXXX   and  XXXX .  XXXX  accounts under  XXXX   XXXX .   XXXX   took all  XXXX  off.   XXXX   denied all  XXXX . If I even ever owed this debt reported as owing to  XXXX   XXXX , I dispute that I presently owe the debt. If I ever owed it, then I defaulted upon this debt on  XXXX   XXXX ,  XXXX  and the six-year statute of limitations to commence a collection lawsuit passed on  XXXX   XXXX ,  XXXX . Today is  XXXX   XXXX ,  XXXX . No lawsuit was ever commenced. This debt was erroneously reported on my credit report as a valid and collectible debt having a charge off date of  XXXX   XXXX ,  XXXX . This entry is thus not accurate because the debt would no longer be collectible under local law as it is an out of statute debt ( 10 yea rs ). I requ ire that you remove any and all reference to this debt from my credit report at once and that you recalculate and amend m y credit score wit hout the effect of this debt computed into the calculation.  XXXX  #  XXXX . Thank you!  XXXX   XXXX
I noticed XXXX fradulent charges on my account in XXXX 2016, and immediately reported it to USAA. As I still had physical possession of the card, I attempted to find out where my card information had been compromised, and I became convinced that it was via an online auto parts store I had recently used which lacked proper SSL authentication. When attempting to contact the parts store, I received no response, and subsequently reported these charges as fradulent to USAA. 

The following week, the parts actually arrived, and I immediately contacted USAA to ask them to re-authorize the charges ( approximately {$1700.00} ), as they were valid. 

This has led to an absolute nightmare, as that {$1700.00} has been credited to and debited to my account over 11 times over XXXX billing periods during the past 4 months. USAA insists that I never paid the {$1700.00}, despite numerous attempts to prove that this is impossible given the numbers shown on the billing statements. During these XXXX billing periods, I made purchases on the card totaling {$5100.00}, and paid {$4700.00} in bills, thus I owe USAA {$390.00}. 

USAA however, insists that I owe them {$980.00}, and I have also been told that I am actually coming out ahead, as that number SHOULD be {$1300.00} ( as they admit that their accounting is inaccurate ). I have been insistent for over 4 months about what I owe, and I simply want to pay the {$390.00} to settle the accounts. This has proven impossible, and I refuse to pay more than I actually charged to the card in goods and services.
I purchased a XXXX XXXX motorcycle 0n XXXX/XXXX/XXXX. Bank of America provided the financing as before on a previous XXXX purchase which was paid in full after only two years. The scheduled monthly payment was around {$320.00}. I paid however numerous payments of $ XXXX/month and by XXXX of XXXX, my loan was paid down to {$6800.00} from $ XXXX. I was sent overseas but received monthly statements which were forwarded to my neighbor for him to watch over my home and mail. Each B of A statement showed an Amount Due : {$00.00} because I was paid so far in advance. On the XXXX month, I returned home and found a nasty letter from B of A claiming that because I missed XXXX ( XXXX ) payments, They are calling in the loan and my interest rate went from 7.9 % to 29.88 % which tacked on close to {$10000.00} bringing my note to over {$16000.00}. I tried to rectify the problem but when they attempted to repossess the bike from my garage one evening, I was standing there with a shotgun. Needless to say, they failed and I alerted the police to their illegal activities. The collection agency took off and I found out when the XXXX officer came by my home that they had not received a call letting XXXX know they were collecting a debt. B of A is claiming on my XXXX credit reports, different payment dates and number of payments made. XXXX repost shows XXXX payment in XXXX. The other shows all payments made in XXXX. FALSE! The fact is the Charge Off is older than 7 years but B of A is falsifying my credit history and committing Consumer FRAUD! I am going to attach the dispute review so you can see the fraud first hand. 
Please ask B of A to verify ( showing payment proof ) that I made any payment after XXXX of XXXX. There will be a cancelled check as that is the way I paid my bills then. Thank you. 
XXXX XXXX
On XXXX XXXX Report shows 4 hard inquiries I did not authorize. Attempted to fix with XXXX XXXX XXXX XXXX, and was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX told mw to contact the credit bureaus and then XXXX told me to contact Synchrony, and in circles not solving problem. The 3 inquires are below : ( 1 ) XXXX/belk for XXXX XXXX XXXX   XXXX ; inquiry made XX/XX/XXXX. 

( 2 ) XXXX/walmart for XXXX XXXX XXXX XXXX ; inquiry made XX/XX/XXXX. 

( 3 ) XXXX/walmart for XXXX XXXX XXXX XXXX ; inquiry made XX/XX/XXXX. 

I only have one credit card, with XXXX XXXX XXXX and I applied for it in XX/XX/XXXX.
We received a phone call on Tuesday XX/XX/XXXX from XXXX XXXX XXXX   demanding that we call them back about an alleged balance of {$190.00} at the XXXX XXXX XXXX. Thursday XX/XX/XXXX we received a written notice in the mail. 

However, this alleged billing of {$190.00} was disputed in writing every month -- and the Lawyer helping us sent 2 letters, most recently on XX/XX/2019, also by email. 

We have proof that the - XXXX XXXX XXXX has no right to pursue any collection actions on us, because of a very long and well -documented billing dispute with XXXX XXXX XXXX . 

All proof, in writing including our attorney 's letters will be attached.
Nationstar Mortgage has been consistently careless, unprofessional, and lazy about correcting errors that they made. It took 10 days of constant follow-up on my part to ensure that my account was accurately updated. I can not fit my complaint in the XXXX allowed characters, so my full complaint is added as the first attachment.
I received a {$1.00} fee from my AAA Bank of America card for " MINIMUM INTEREST FEE. '' I have never used my card for anything other than a retail purchase and I have never carried a balance. After calling them, they claimed/admitted that it was a " mistaken '' charge and agreed to refund it. I expect a refund within the next few days.
I had an XXXX at XXXX XXXX in XXXX Texas which soon after I found out I had invasive XXXX XXXX and 3 months to live. I 've since then had 2 XXXX XXXX  to save my life, one just a week ago. After the XXXX there was a bill of {$790.00} around there and I spoke with them about what was going on. The lady at the desk asked me to drop off medical bills and other bills I had to see if they could dismiss the bill to help me. I dropped off what she needed, I ended up doing this 4 times as for some reason they did n't know where it was. Then I had my XXXXXXXX and have been unable to work or leave my home since XXXX in the fight against XXXX. A lady did call me while back and ask for the paperwork again, I told her I had turned them in 4 times and if there was a problem to let me know because my fear was they would just turn it over to collection and my credit would be affected. She said that she would look into it and get back to me that would n't happen. I never heard back, so I honestly was just trying to deal with all my XXXX and fighting my XXXX. Today I got a notice from my credit reporting agency that the bill was turned over to a collection and was on my credit report. I called them right away, and the lady I spoke with was rude, could care less if I had XXXX or was sick, she was so insensitive to everything that was going on. I told her what I knew and what I was told, she said that they denied my relief of the bill and it was with collection now to deal with them. I told her this is what I was so worried about happening and now even if I tried to get a loan to pay it my credit is trashed by this. I told her no one contacted me by letter or phone call. Not once! I wanted it removed from collection and give me a chance to pay this as I would have found a way. She said no deal with the collection agency. Cold, disrespectful to my situation which has been very upsetting now, when I 'm trying to heal. I 've filed a claim with the BBB in Texas. If they felt this was so serious of an issue all they had to do was call me, as I received no further calls or letters from them. I would think a warning a certified letter asking for payment would have been made. No straight to collections and on my credit report. I need your assistance please with this matter and would like the option to make payments and it removed from collection and my credit report. I will contact an attorney if it has to be done that way, but would just like them to understand where I am and some compassion would be appreciated please. Thank you
I mailed XXXX XXXX a check for {$240.00} that they received on XX/XX/XXXX. i asked that they apply the over payment of XXXX to a purchase that is going to start charging interest in XX/XX/XXXX which they they did not. when i called today i was told they will not apply my over payments to where i advise then i want them applied. I then told this same supervisor to close my account and she also refused to close my account. Why are they not required to apply my over payments where i want them applied so that they do n't earn more interest from me. This supervisor named XXXX reminds me of a XXXX XXXX XXXX XXXX and should be fired for her attitude. they are also not listing my interest rate on my statement For purchases
I had a qualifying hardship in XXXX XXXX when I went out on XXXX XXXX. Since then I have fallen delinquent with the mortgage on my primary residence. I have made numerous attempts to keep the home from foreclosure. The last contact I had with the mortgage company I was told that there is a cease and desist order and they could no longer provide me with any information. That was in XXXX of XXXX. I have not received a monthly statement from them since then. I was told by the mortgage company the lawyers phone number to contact and a last name only! The phone number was a fax number and I do not know the lawyer involved nor does the mortgage company. In the meantime, the mortgage company has obtained an attorney to represent them and the bank which the loan is through. I have not been able to even try to negotiate with the mortgage company because of this cease and desist order but they wo n't provide me any additional information to investigate on my part who ordered the cease and desist order. Since then my hands have been tied to any further contact or request for information on my mortgage account. The mortgage company is moving forward with foreclosure proceedings and had an attorney file a complaint in the Superior Court of New Jersey for a motion to foreclose on my home. The attorney representing the plaintiff will not provide the information I need to even file an answer to the complaint filed in XXXX XXXX. I contacted Legal Services in XXXX XXXX and was advised to cut my losses and remain in the home until the XXXX XXXX Sherrif seizes the property. I feel that this whole ordeal is a violation of my consumer rights and I am requesting assistance to resolve this matter as soon as possible. This is an urgent complaint that needs immediate consideration. As I mentioned I am XXXX and have not been able to find suitable housing because of my fixed income and a poor credit report due to the delinquency of this loan! Please help! Thank you in advance for your cooperation in this emergency situation!