WillisBack/dataset-financial-user-claim huggingface dataset:
On or about  XXXX   2016 , I receive d Bayview Loan M ortgage Statement and I realized that there was a charge in the amount of {$310.00} as  XXXX   XXXX   XXXX . I contact Bayview via correspondence to provide with all and any documentation pertaining to this fee of {$310.00}. I was told that this fee is charged by their office as a service fee for taking pictures to my property or so call " inspection. '' I have not been in any type of arrears with my home for me to be charged this fee. Also, there is no document stating that this fee can be charged to any of their clients. I believe this fee is illegal.
I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. XXXX, XXXX  and Experian continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.
ONEMAIN RAN MY SOCIAL SECURITY NUMBER THROUGH A BANKRUPTCY DATABASE. MY SOCIAL SECURITY NUMBER MATCHED THE TAX ID NUMBER OF A BUSINESS THAT HAD BEEN IN BANKRUPTCY. ONE MAIN REPORTED A BANKRUPTCY REMARK ON MY XXXX CREDIT REPORT. NEITHER ONEMAIN NOR XXXX VERIFIED IF THE INFORMATION WAS ACCURATE. I HAVE DISPUTED THE REMARK TWO TIMES AND IT STILL IS NOT RESOLVED. ONEMAIN DID SEND A LETTER TO ME ON XX/XX/XXXX, SAYING THAT THEY HAVE NOTIFIED CREDIT REPORTING AGENCIES TO REMOVE THE REMARK. 
XXXX INVESTIGATOIN LETTER CAME BACK TO ME ON XX/XX/XXXX. SAYING THEY VERIFIED ALL INFORMATION AND THEY LEFT THE REMARK ON MY REPORT. I ONLY HAVE THIS ISSUE WITH XXXX, NO OTHER REPORTING AGENCIES. ONEMAIN SHOULD NOT BE REPORTING FALSE INFORMATION AND XXXX   IS NOT ACCURATELY VERIFYING INFORMATION. A TAX ID NUMBER FROM A COMPANY SHOULD NEVER BE MISTAKEN FOR SOMEONE'S SOCIAL SECURITY NUMBER ... ..!!!!!!
Designed Receivable Solutions ( " DSR '' ) is a debt collector. Their client, to whom the debt is owed, had an incorrect address on file for me. Thus, an invoice for {$150.00} was never sent to my attention. Upon applying for a mortgage, I discovered this debt in collection. My credit is otherwise perfect and this debt which DSR reported to the agencies is a false representation of my personal credit information, and simply clerical inaccuracy. After discovering the debt on a credit report in XX/XX/XXXX, I immediately contacted Designed Receivable Solutions ( " DSR '' ) to ask for a validation notice so that I could understand what the debt was and to then pay, if valid. In XX/XX/XXXX, DSR stated that they would completely " expunge '' the record from my credit if I paid that day. I could not pay that day because I did not know what the debt was for. After asking DSR a second time ( in writing XX/XX/XXXX ) for validation they finally sent the original invoice ( on XXXX XXXX, 2015 ) -- over 3 months since I originally asked for validation of the debt in XX/XX/XXXX. Additionally, after contacting the XXXX XXXX ( whom the debt is owed ) on XXXX/XXXX/15 ( spoke with " XXXX '' at XXXX XXXX XXXX XXXX XXXX " XXXX '' ) she stated that the correct amount owed was {$150.00} and that I could make payment with her for {$150.00}. However DSR will continue to inaccurately report a collection item to the agencies as well as assert that {$13.00} of interest is owed to DSR, an item they are attempting to charge on top of the amount I owe XXXX. The amount was accidentally sent to a collection agency due to an incorrect address and insurance policy and I am attempting to appropriately pay that amount to the original Physicans owed. I ask the AG office to review the situation and appropriately communicate to DSR that they are engaging in practices that are misaligned with good will or good faith as well as the law for fair credit reporting
I have several times have requested XXXX XXXX and Experian to send me documentation to how and who verified this account. I have not got any documentation but only computer generated responses.
Two years ago, my wife made a reservation on XXXX XXXX XXXX. While taking the reservation, the clerk persuaded my wife to apply for the XXXX XXXX XXXX Visa credit card, telling her that possession of the XXXX XXXX XXXX Visa credit card would entitle her to check one piece of luggage at no charge. My wife received the credit card, never used it once and was surprised last month to receive a bill in the mail from XXXX XXXX XXXX Visa Credit Card for {$69.00}, payable by XX/XX/XXXX. She called and learned that the fine print for the credit card stipulated that after 1 year there is an annual fee of {$69.00}. This was never mentioned by the reservation clerk when she was selling her the airlines credit card. My wife promptly canceled the card. When we called XX/XX/XXXX XXXX XXXX, they directed her to complain to the credit card company [ XXXX XXXX / XXXX XXXX XXXX / XXXX, XXXX XXXX/ telephone : XXXX ]. Not surprising, the credit card in turn directed her to complain to XX/XX/XXXX XXXX XXXX. Both companies were in agreement that they were not responsible. 
We strongly protest these sales tactics. My wife would never have signed up for the card if she had been warned up front of an annual fee. We are currently using a credit card that gives us reward points. I assure you that we would never have signed up for a card with a {$69.00} annual fee.
Equifax continues to use my bankruptcy information on my credit report.so it effects my credit score. My credit history has been without a blemish for more than seven years since dismissal.
Experian is reporting the following incorrect spelled names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I have disputed this account, filed a police report, and also submitted a FTC complaint. 
Upon reviewing my credit report in XX/XX/XXXX I noticed six separate fraudulent accounts ranging from credits cards to loans. I have been successful in removing some items but I continue to see an item show even after my repair attempts. Account in question : XXXX XXXX XXXX XXXX Account # : XXXX, opened on XX/XX/XXXX, with a credit limit of {$15000.00}. The account showed closed XX/XX/XXXX with a high balance of {$15000.00}. I have not nor have I ever gave anyone permission to use my information to open any lines off credit, credit cards, or open any loans.

I also seen 3 inquiries that I have not authorized on my Experian report. 
1. XXXX XXXX XXXX  date : XX/XX/XXXX 2. XXXX XXXX Consolidated date : XX/XX/XXXX 3. XXXX XXXX date : XX/XX/XXXX I have not applied for credit with any of these companies.
On XX/XX/XXXX, My wife and I applied for a VA loan with BB & T. The original closing date given was XX/XX/XXXX. After 2 months of waiting, The Bank gave a new date of XX/XX/XXXX. On XX/XX/XXXX, the excuses being provided is that things are completed but not released. This are the same excuses that have been given for the past several days. 

The lack of effort to resolve the closing and paperwork has placed my family in a financial bind due to renter notice of leaving, moving company rescheduling, and several other foreseen problems with utilities and such. 

The processors have delayed the paperwork necessary to complete the loan process for over 10 weeks.
Company name : cbc credit services Accounts manager XXXX XXXX XXXX Multiple phone calls a week using different phone numbers Me- Blocked numbers Company- XXXX multiple letters a month then Typed a letter stating and I quote " somebody get ahold of me or we will have to take further collection action!! The choice is yours!!! '' ( Thats Threatening to me ) Me-felt threatened being unsure of what this person is capable of or what she means exactly and feel like pople are going to just come and try to tak my stuff from me for this medical debt Company- Listed 3 debts on the page XXXX XXXX XXXX XXXX :  {$120.00} and {$480.00} Then said " Other '' : XXXX Unprofessional to not add a full list when trying to collect i dont know what " other '' is and where 10,000 + dollars came from This company made me feel unsafe in my own domicile and unsure if my thinga wil just start being taken
I have contacted NAVIENT several times since they took over my loan. They never would provide me with any other option than an outrageous payment amount. My husband is XXXX XXXX XXXX XXXX and we do not have the funds for child care. I can not work because I do not have anone to care for my children otherwise. I wanted to make payment arrangements but all I was offered was hundreds of dollars a month or 1 lump sum. I paid {$200.00} a while back but nothing ever changed on my account. It has made paying student loans impossible and completely pointless. Why pay when they just take your money!? This company is scandalous at best.
I have been making payments to Navient in advance. I should be paid a year in advance. And my profile is set to apply payments to future payments rather than just to principle. Despite that request, every month I make a payment, the due date is not advanced. I have made countless phone calls to try to get this issue addressed -- and while they fix the particular payment about which I am calling ; the underlying issue has not been resolved. I have called close to a dozen times now. I have also tried emailing them. And still the payments are being misapplied. 

I am trying to pay in advance in case something horrible happens and I am unable to make a timely payment. It shouldn't take me an hour out of every month simply to make sure my payments are being applied in a fair way. Moreover, every time they make " an adjustment '' the numbers then look off. At one point, a representative told me that the interest I pay is the same regardless of how much principle I have paid -- or how far in advance I am paid. And though my payments are always more than the required amount, the payment schedule has never been adjusted to reflect an earlier final payment date. 

My payment amount is supposed to be {$380.00}. Every month, I have been paying {$400.00}. When I have asked for information in writing, nothing has been sent. So, unfortunately, I can not attached any correspondence as none has ever been provided.
was offered to switch out of my current lease early to a new lease for a XXXX XXXX. after negotiations I have chosen to proceed with that. The dealership took over my previous car and gave me a new car per contract. The dealership was suppose to payoff my previous lease. In addition, there was a missing part, a home charger, which was missing from a new car. what was offered was to keep my existing charger and they would order a new one, or to just keep my old one for the duration of the new lease as it serves the same purposes and has no difference from the new to the old car. First, month and a half after the transaction, my wife started to receive collection calls from Nissan as the lease payment was not done. The callers were rude, unyielding and not understanding of the situation. After contacting the dealership, it turned out that they neglected to process the return and failed to notify Nissan of the transaction. It took numerous calls, horrific conversation until the dealership finally paid off their obligation and the calls stopped. Now, in later XXXX a new letter arrived which stated that the lease return had an outstanding balance, which was incorrect as the dealership was taking over everything and bought out the lease. after contacting the dealership and expressing this concern, I was assured that this was going to be taking cared off. The reason why there was a balance was due to the vehicle being returned off of lease with no charger. This again was a problem as I was never given one and again was told by the dealership as there was a missing charger, to keep the one I had before. Again, the dealership failed to notify Nissan of this issue. At the same time, I contacted Nissan and expressed my frustration with this issue and described the issue to them, during which time I also filed a complaint against a dealership. Now my wife is receiving harassing phone calls at work saying this issue with the balance has been sent to collections, being rude and completely unapologetic, not caring of the issue and threatening. This is completely wrong, this is fraud and negligent. The public needs to know the hazards that this presents in doing business with Nissan and this dealership. They should not be able to operate in this misrepresenting manner to deceive the public and then collude to through them into this spiral of collections and proving their right.
I HAVE BEEN TRYING TO GET A MODIFICATION WITH MY MORTGAGE COMPANY US BANK BUT I KEEP GETTING THE RUNAROUND. I FAXED MY A COMPLETE PACKET 100 TIMES THEY DENIED ME FOR NO REASON REFUSE TO HELP WHEN I ASK QUESTION TELL ME IM DOING PACKET WRONG BUT WHEN I ASK WHAT IM DOING WRONG THEY SAY " WE ARENT ALLOWED TO TELL YOU HOW TOP DO IT '' IM TRTYING TO KEEP MY HOUSE BUT THE BANKS WONT HELP!!!!!!!!!!!! US BANK IS IMPOSSIBLE TO DEAL WITH. I CANT GET A SUPERVISOR THAT IN THE COUNTY I CANTR UNDERSTAND THE PERSON ON THE PHONE ( FOREIGN ) I CANT GET ANYWHERE
I received a XXXX from XXXX XXXX  about an old credit card account I had. Since XXXX cancelled the debt and I have to report it as earned income, the balance on my credit report should be {$0.00}. I have tried disputing the balance amount with the three major credit reporting agencies, and they keep saying that the amount has been verified. But how can XXXX XXXX cancel the debt and then still say that balance is valid?
XX/XX/XXXX, we have contacted Chase at the auto service line XXXX, had numerous conversations with customer specialist to obtain duplicate copy of the title for our paid off auto loan from XX/XX/XXXX. Without the pink slip/title, we are unable to sell or get rid of the car. There were so many back and forth with the customer service line, them telling us one thing after another, and nothing really being resolved. They kept mentioning about California State being complicating and finally gave me a name. With that, Chase representative told us to fax the request and we did to the specific fax line on XXXX/XXXX/XXXX and have never heard anything back. 
We now have a ticket from the police to fix the license plate for the car, but we are stuck because we can not get the plate ordered through the DMV due to pending of this title. Chase needs to provide the pink slip or the release of title. They have failed to follow through on numerous occasion. Even though this is a closed account/loan, they have the responsibility to provide all the necessary documents to release the the title and resolve this with DMV ( department of motor vehicle ).
XXXX credit is reporting a debt i do not owed i was never contacted by them or any other company about this. This is affecting my credit history
This company is incorrectly reporting my account as over 30 days past due! When I paid my bill online it showed I my balance due was {$390.00}, I made the payment. Now I am being reported 30 days past due. This is unfair abusive practices. This has decreased my credit score by 46 points!! I am so upset this company has deceptive practices. I need this fixed right away! This harmful reporting is causing me anxiety! I just received the alert to my phone!
I have disputed accounts on my Experian credit report that is not mine or not being reported correctly but it's still showing on my report.
on XXXX XXXX 2017 my husband disputed our public accounts that reflected judgements that have been satisfied already.Equifax removed one of the judgements but failed to remove the other. His was reported as well in the same phone call with the agent. My dispute number is as follows from that date:XXXX or XXXX. They have correctly removed them from my husbands report in which the attached photo will show. But they have n't removed from mine and I now saying I have to wait another 30days for them to remove. As they have to file the dispute all over again. Equifax claims that there was no dispute but yet I have the records to show different,
I was contacted last year in XXXX from a harassing debt collector in XXXX saying I owed XXXX money. I was harassed at work so I took charge. I filed complaints and was contacted on XX/XX/XXXX from XXXX   stating they were sorry and were buying the debt back and the account would be noted as paid in full and all collections would cease. They stated in an email this would take a few business days. Fast forward to today XX/XX/XXXX. I get a call from an XXXX XXXX stating I owed XXXX XXXX dollars and would need to pay in full to keep from getting sued, I then contacted XXXX and was told they are in the process of still buying the debt back meanwhile I am being threatned with court and wage garnishment.
I was laid off in XXXX and have had difficulty paying my mortgages on my property. I have applied for mortgage assistance through JP Morgan Chase several times and have been denied assistance. Most recently I resubmitted an assistance package in XXXX XXXX and until now, have not received any response from the underwriter whether I have been approved or not. For the past 90 days, the underwriter keeps requesting additional information which I submit in a timely fashion. They then take another 30 days each time to rereview my file and come up with additional documents to be requested. Each time I discuss this situation with the Chase rep, they state this is the final request as your file should be complete. It appears Chase is purposely delaying review of the file, meanwhile at the same time their collection department harrasses me for payment since I am now 2 months past due. The delay review tactic was done previously last year when I applied for a loan modifcation and was denied. The government should monitor Chase as they have never assisted homeowners in need as they have been instructed to do so by the U.S. Government.
I signed up through an XXXX and Americanexpress.com website advertised promotion. XXXX XXXX Frequent Flyer Milers Bonus after XXXX USD in spending within 3 months. 

After completing the offer within the 3 months, I was only provided XXXX Frequent Flyer Miles. This offer has been running for the most part of the year including the time I signed up of which I was referred directly from XXXX website for the promotion. 

I tried to settle the issue with American Express. American Express is telling me they did not offer that bonus at the time, when there are numerous websites archives documenting at the time period I signed up that they were indeed offering that promotion. I also have a copy of the form I filled out which shows the terms and conditions of the offer.
With the new federal law that recently went into effect, I decided that I wanted to establish a Credit Freeze with the 3 major credit reporting agencies. I had no problem registering and establishing the credit freeze for myself with both XXXX XXXX and XXXX. My complaint is with Equifax. I was able to establish my login UserName and Password on Equifax 's web site back in early XXXX, but then was not able to turn on the Security Freeze. Every time that I have visited their site since then, I have been unable to even login to their site - with the goal of establishing my Credit Freeze. I have called their Consumer Care Agent 4 different times ( at XXXX ), and each and every time, I was told the same very specific response : " We are experiencing problems with our servers at this moment. Please revisit our web site again in 13 to 60 minutes from now and try again. '' Yes, they were very specific : " 13 to 60 minutes ''. I believe that is just a " canned answer '' that they are reading from a script. This has been going on for 2 months now, so I feel that I have no other place to turn, other than to lodge this complaint with the CFPB.
Loan sold to Green Tree Mortgage. I was unemployed, received unemployment payments from the government and able to verify yet Green Tree never would approve my loss mitigation paperwork. Instead paperwork was ALWAYS lost and reps could never help or even tell me the same information twice. I began the loss mitigation progress with Green Tree XX/XX/XXXX. My loan was then changed to DiTech XX/XX/XXXX. DiTech said they did n't know I was in the middle of trying to modify and I was called 5+ times per day requesting payment in full. Again, I was unemployed and could verify this. I restarted the loss mitigation process again XX/XX/XXXX with DiTech. Like Green Tree, same run-a-round, my paperwork was lost and at one point in XX/XX/XXXX I was verbally approved for a repayment plan though I never received any letter in the mail. The next time I called, that rep who verified the payment plan no longer worked there and no one had any knowledge of me being approved for repayment. I then restarted the loss mitigation process XX/XX/XXXX and was recently told verbally that a letter was sent to me in XXXX stating my package was incomplete. I NEVER RECEIVED A LETTER. So here I am in XX/XX/XXXX restarting the loss mitigation process. Sadly, the rep I have is n't knowledgeable she also ca n't tell me how my mortgage amount continues to increase yet my mortgage is fixed. She always says she will call me back and never does. Last complaint is a {$40000.00} Corporate Advance account fee I am being charged in addition to my principal interest amount. I 'm aware this amount is significantly higher as told to me by an attorney. Green Tree turned DiTech is fraudulent and I need help.
I sent experian info regarding the account by XXXX that payment was paid in full, but the account is still on my credit report i have disputed this many times.
I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX And XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX  and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these