WillisBack/dataset-financial-user-claim huggingface dataset:
My ontime payment went through an inactive checking account onXX/XX/XXXXXX/XX/XXXX for my XXXX XXXX that I lease from BMW financial services due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX   that the payment won't go through due to inactive account status I immediately called BMW financial services on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX, I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/XXXX payment as late payment which damaged severely my credit score, I blame BMW financial services for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times BMW customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at BMW finacial serviecs and they denied it all times!
I don't know who the original creditors are not these companies that are reporting on my credit. I've reached out several times and they still will not remove these accounts
XXXX XXXX XXXX
XXXX XXXX XXXX, MA XXXX

(XXXX) XXXX

this company is not licensed in Florida and needs to remove this from my credit report
I have previously submitted a complaint to XXXX about Fifth Third Bank. I originally had an escrow evaluation with a lot of incorrect information including projected city tax payments to a city that I do not live in. These incorrect items, and some legitimate increases caused my mortgage to increase by almost {$600.00}. We tried to get the bank to re-evaluate our escrow statement without including this projected payment to a town that we do not live in. Since this projected payment came during the month of XX/XX/XXXX ( the month after they did their evaluation of escrow ) it showed as a projected amount that we would be paying and therefore took the amount out of our cushion. I have repeatedly asked representatives from Fifth Thirds Bank to provide me with documents that clearly show that there is no payment or projected payment coming out of my escrow account. They have continued to provide me contradicting information and statements. They have provided an account statement that shows our account is projected to pay the town of XXXX in XX/XX/XXXX, but then they tell me that it is not debiting my account and send my a spreadsheet that shows the money has not been deducted. I asked for them to rerun the escrow analysis once the month of XX/XX/XXXX had expired so that our account would no longer be projected to lose the {$1200.00} to a city tax that I do not live in. I am not sure if they can not truly understand what I am explaining or if they are just trying to act like the do not understand. They have told me that they can not rerun the escrow analysis since it was rerun in XX/XX/XXXX. This needs to be rerun, because when they projected XX/XX/XXXX, they would have projected my account to be {$1200.00} short since it was showing as a projected payment on the escrow analysis. I have spoken with multiple representatives from Fifth Third Bank, and all but XXXX have been rude, yelled at me, and spoken down to me. I am thoroughly displeased with the service that I have received and the lack of cooperation that I have been shown. I had to file the first complaint just to get them to look at the original complaint that showed me paying 2 mortgage insurances on top of the extra city tax to a city that I do not live in. I will attach the last escrow statement that clearly shows a projected payment to the town of XXXX even though there are 4 previous quarterly payments to the XXXX XXXX XXXX. The account statement that I have been provided shows that we have paid 4 quarterly tax payments to the XXXX XXXX  XXXX from XX/XX/XXXX to XX/XX/XXXX. My projections for next year show that we are projected to pay the XXXX XXXX XXXX 4 quarterly payments as well, so this would clearly be a 5th payment that we are not responsible for. I am being told to just ignore what is documented in the account statement. I believe that this is a tactic that Fifth Thirds could possibly be using on large numbers of other mortgage holders at their bank in an attempt to collect money off of interest. I would believe that this practice would be at the very least looked at as unethical, and worse case could be illegal.
Transunion ( TU ) refuses to accept complete/comprehensive disputes on XXXX alleged XXXX accounts. ( " Gold '' # XXXX and " Blue '' # XXXX ). 
1. The alleged accounts were charged off at the same time, XXXX XXXX, XXXX though XXXX, or, TU is concealing the date of the " Gold '' account willfully and purposefully. 
2. Therefore the TU " deletion drop off date ( s ) '' is, correctly XXXX/XXXX/XXXX. 
3. The FCRA indicates a seven year reporting period for alleged debts. 
4. Yet TU shows a " deletion drop off date '' of XXXX XXXX, XXXX. 
5. TU is exceeding the " deletion drop off date '' by 8 months. 
I have challenged TU and XXXX to produce evidence of these alleged debts which contradicts these facts and they have refused to supply such documentation. Therefore, in compliance with the FCRA regulations I DEMAND both parties supply documentation ( etc. ) in support of their position ( s ). 
To show the disingenuous nature of the parties involved I attach a comparison of the wide variety of deletion dates for these accounts by the XXXX major Credit Reporting Agencies who all assert they have " checked with '' XXXX to determine the " facts ''. 
I continue to assert these alleged debts are only reportable, as collectable, for a period of 6 years per Colorado statute ( authority previously provided ) which is being willfully and purposefully violated by the false representations on my credit report - which in itself, is a violation of the FCRA. ( This is a separate dispute which now moves to litigation. )
Wire withdrawal of {$10000.00} from XXXX ( coinbase ) on XXXX XXXX. I have submitted numerous requests for assistance and get packaged responses or none at all. 

Details below : transfer XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX Transfer ID : XXXX
Received letter from XXXX XXXX of transfer of servicing to Nationstar. Received letters from Nationstar on how to make payments to their company. Trying to make this payment was a joke. Kept transferring to a XXXX XXXX saying they had bought Nationstar. NO letters indicating of this transfer! We were concerned this was a case of fraud since we had not received any paperwork. Tried to make a online payment were going to charge us XXXX for making a payment. Tried going into XXXX XXXX using Nationstar loan number it does not exist. This is a mess having to go to the postal service to mail a payment and having it certified because I DO NOT TRUST THIS COMPANY. Also do they charge XXXX to speak to a rep as indicated on the paperwork! I 've never been late on a payment this is the worst servicing company!!!!!
While reviewing my EXPERIAN credit report, I noticed an unauthorized and fraudulent inquiry initiated by PNC BANK on XXXX/XXXX/2016. I did not authorize any employee of PNC BANK to review my records for any purpose at any time. I personally contacted PNC BANK and requested to have this adverse information deleted and also, to within 5 business days provide me with any verifiable signed documents that I may have signed authorizing this inquiry. To date PNC BANK has failed to provide me any documentation within 5 business days. This fraudulent inquiry is in clear violation of my civil rights under FCRA and PRIVACY Rights Act. As a direct result I have continued to suffer irreparable economic loss, including but not limited to my inability to securing meaningful employment, Housing and/or obtain new credit due largely in part to the gross negligence of PNC BANK acts and omission.
On XX/XX/XXXX I made a charge on my XXXX credit card. I never received a bill until XX/XX/XXXX because they changed to paperless billing. I was alerted by XXXX  because our credit rating went down. We paid {$110.00} balance off immediately and closed the account. Unfortunately it has been listed as a 90 day over due and delinquent which caused our rating to go from XXXX to XXXX. We appealed to XXXX, XXXX  and XXXX and they continue to deny our appeal to remove the delinquency. I have had this card for 26 years and always always paid on time. Please resolve this.
I mailed a certified letter out disputing account on XX/XX/XXXX. The tracking on the letter states that the letter was picked up from their post box on XX/XX/XXXX at XXXX. The 30 days have passed and I didn't receive a response to my letter so therefore the account should be removed from my credit. Attached proof of delivery to the collector.
GM Financial has committed Willful and Negligent violations as per the Fair Credit Reporting Act. ( 15 U.S. Code 1681n - Civil liability for willful noncompliance ) As ofXX/XX/XXXX 2017, XXXX, XXXX and XXXX has this account currently at " 60 days late ''. As of XX/XX/XXXX, 2017, it had be reporting a " current 30 days late ''.
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I spoke by conversation on XX/XX/XXXX, 2017 with XXXX at extension XXXX at approximately XXXX Central Time as it was on a recorded line. She advised my account had never been 30 days late nor 60 days late. She furthermore confirmed the most the account has ever been late, do to an erroneous automatic payment which never processed was 25 days. She was direct at first and " did n't care '' what any credit report stated as she stated the account has " never been late '' in its entire history. Additional verification both of my personal checking account and XXXX 's account history confirmed this account has never been late 30 days at any points in its history.
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I asked if I could speak to a supervisor or speak to the credit department directly and I was advised the supervisor would state the same and I was allowed to speak to the credit department rather she would send them an internal email.
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Since these erroneous trade-lines are currently on my credit report, my credit scores ( FICO SCORES ) have dropped from an average of XXXX to an average of XXXX  This represents a risk factor to almost none existent risk to a huge risk. Additionally, since my creditors use monthly soft pull credit reports to monitor their own credit liabilities, I have had 2 creditors considerably drop my credit lines available with them which put me at a higher utilization rate so even when GM Financial corrects this violation, my credit score will still be significantly lower since my utilization will take a hit. Additionally, the only possibility these creditors raise limits where they once stood before these violations is to have them re-pull credit reports which constitutes a hard pull, thus an inquiry which does lower credit scores.
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As of Today, XX/XX/XXXX, 2017, I am also sending a formal complaint to the FTC and the Attorney General in Texas so GM Financial stops their illegal tactics of committing both willful and negligent violations and stop financial harm to  unsuspecting individuals.
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If I did n't purchase a credit monitoring service, I would n't ever been alerted to these violations. I need this immediately corrected on my 3 credit bureaus and will be filing a lawsuit against GM Financial for statutory damages, actual damages for their willful violations while also suing for actual damages for their negligent violations.
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Additionally, I am in the middle of refinancing my private residence and these violations completely have caused a massive financial problem due to the violations and continued negligence of GM Financial.
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In addition to other Regulatory Agencies currently being notified, let this serve as an official warning to GM Financial.
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Best Regards, XXXX XXXX XXXX XXXX XXXX in XXXX  XXXX and XXXX
I have a judgment showing as open that should be showing paid. Student loans showing Open that should be showing paid. There are a lot of inaccuracies on my report.
I REQUESTED THAT INFORMATION ABOUT ME BE SHARED WITH ANYONE FOR ANY REASON EVER. CAPITAL ONE STATED THE FAIR CREDIT REPORTING ACT STATED THAT THEY WERE OBLIGATED BY LAW TO DISCLOSE TO CREDIT AGENCIES, LATER THEY CLAIMED THAT I OBLIGATED MYSELF CONTRACTUALLY. 
I WOULD LIKE TO KNOW WHICH AGENT EMBELLISHED TO ME AND WHY. ALSO, SINCE MY IDENTITY WAS STOLEN ON SATURDAY I HAVE RECEIVED COOPERATION FROM ONLY ONE FINACIAL INSTITUTION TO RECTIFY IT AND RECEIVED NO HELP FROM THE DOJ, FBI, OR AG FROM TWO STATES
I write to this company last XXXX XXXX, 2017. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.
Mailed in payment to mortgage company was not cashed. Nationstar Mortgage loan # XXXX Called and had check stop issued and did payment over phone so not late then mortgage company sumitted check to bank XXXX days later. Billed us {$14.00} for NSF fee I called and said our payment was made earlier by phone please remove fee. They said that they would do. Because we send more than payment we have extra put on principle. Received XX/XX/XXXX statement and in stead of putting it on principle they listed it as Adj Forbearance Suspense crediting it and then debiting it. Then I have a Property Inspection listed with a charge of {$14.00}.
XXXX with National Principal Group keeps leaving threatening voice mail messages, and harassing phone calls to my job about an alleged payday loan I supposedly took out in 2004. I have NEVER EVER took out a payday loan. They are threatening me with arrest if I do n't pay. These tactics are illegal under the Fair Debt Reporting & Collections Act. 

Phone numbers XXXX & XXXX are the ones I am receiving the harassing calls from. I told them I was recording the conversation, and she became belligerent with me when I told her the calls are to STOP. She said she will call all she wants.
I was charged 30 % interest for a car loan. The car value was XXXX. I will pay XXXX for the car in total. I was never told I could lower the interest rate and the payments have been extended by 8 months. I would like to finish paying for the car now. they have gotten more money then the car XXXX is worth. This is unfair predatory lending. This is unfair consumer practices
I am in the process of buying a home. In the process I learned that after settling my Mariner Finance account Mariner was still reporting unfavorable. I settled my Mariner Finance account via a collection agency. I received a letter from the agency stating it was settled as of XX/XX/XXXX. I reached out to the creditor ( Mariner ) on XX/XX/XXXX in effort to have them update the bureau. The young lady that I spoke with on XX/XX/XXXX advised that I dispute with the bureaus. I have disputed this twice last dispute request was in XX/XX/XXXX. Mariner updated with a balance and delinquency that has been settled.
On XX/XX/XXXX, I applied for auto financing from XXXX of XXXX XXXX. I received my approval and I do see the Hard Inquiry on my credit reports. Unfortunately, I received a second Hard Inquiry from XXXX XXXX XXXX Via XXXX of XXXX XXXX. This looks to be a duplicate Hard Inquiry made by the same company under another ( though similar ) business name. I do not know why or who issued it. This is a duplicate hard inquiry and damaging to my credit. I also received a third Hard Inquiry from XXXX XXXX XXXX. That is a total of three hard inquiries for a single auto loan from a single dealership. On XX/XX/XXXX, I received more Hard inquires from XXXX XXXX XXXX via XXXX XXXX XXXX on my XXXX credit report. On XX/XX/XXXX, I received additional HARD inquiries from XXXX of XXXX XXXX. Again, I do not recognize XXXX XXXX XXXX via XXXX of XXXX XXXX. By mail, I have disputed duplicate and redundant hard inquires with all three credit bureaus.
On XXXX/XXXX/15, I opened a checking account ( {$150.00} cash ) with M & T Bank XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/15 a direct deposit of {$4500.00} went through as well. On XXXX/XXXX/15, I was reviewing my account online and it had a {$150.00} bonus for a new account with direct deposit added. I called customer service and they said that although my direct deposit was new and went through on XXXX/XXXX/15, that my account was opened on XXXX/XXXX/15 and not new. They told me to call the local branch. I called the local branch and spoke with the XXXX XXXX XXXX XXXX XXXX who said although the person who helped me open the account new about the upcoming promotion, she could not tell me. I asked if I could close my account. She said I could not get any money out of my account. I told her she was mistaken. I called customer service back and they told me that I had to call XXXX back and ask for her XXXX XXXX XXXX XXXX. I immediately called XXXX back and she did not even remember me. I said XXXX 4 times XXXX, please just have XXXX call me. XXXX kept asking why and was I mad with her. I asked again XXXX XXXX time ) please have XXXX call me. XXXX called me 2 days later and said she could not help me, but XXXX was incorrect about not being able to access money. She said she would have someone call me back. The next day, XXXX XXXX called me and he said he would waive a {$50.00} closeout fee. This upset me, for no one ever mentioned that. He was rude, I immediately e-mailed customer service and after another week, XXXX finally called. XXXX was rude and said she would do her best to waive the {$50.00} fee and that I was not entitled to the bonus. I asked her for XXXX and afer asking 3 times, she gave me a business address with their e-mail address. She was rude and of no help
I make monthly payments to the same person to may my rent using the third party company XXXX through my bank account. One time in particular the payment that I sent to my Landlord went to another person and I did not recognize the mistake until nearly a few weeks later. 
I do not know the person that received the money I sent to my landlord. I selected the landlords name from the dropdown menu as I do overtime I send money. The name For my landlord is the only name that drops down because it is the only name that starts with that letter. 
A few weeks later when I was making another rental payment, I noticed an unknown name in all CAPITAL letters for the remaining amount I sent to my landlord. So I contacted XXXX, but because the payment was made from my account, I was instructed to contact my bank and handle the issue through them. I called my bank and explained to them the issue I had encountered and they began to look into it. Starting by giving me a conditional credit for the money missing. 
I then received a letter from my bank saying that because the person received the money I was to contact them. My claim was that I have been making the payments to the same person for months for the same total amount and asked why this did not look odd to them? It was a payment to complete the amount that I had consecutively sent monthly to my landlord. Citibank withdrew the conditional credit, making my account overdrawn and now states that I have to go after this person. I have no idea who the person is or why the name is on this payment. I have no idea who this person is, and when I type in the letters of their name it is foreign to my account, the name is not saved nor is it in the drop down menu for names to select. 
This seems to be a hacker and perhaps the money was intercepted, this is not my fault, and because I made this payment through the company which Citibank has provided, I believe it is their responsibility falls on Citibank and XXXX.
I sent Equifax a letter nearly two months ago, asking them to investigate errors on my credit report. Its been well over 30 days, and I have yet to get a response from their organization.
XXXX check amount {$48.00}. I closed the account due to fraud. Need this to be removed and deleted from XXXX
I really do n't know if this is a payday loan or not. But these people contact me at home, my parents home and my place of employment. Awhile back, I went through a payday loan support company to assist me in the validation of this loan. I was told that validation letters were sent out and no one responded. That was exactly XXXX years ago. Since that time, only XXXX number keeps calling. Please help me with this matter.
I had a student loan on my credit report from XXXX AND IT WAS REPORTING IN CORRECTLY. I HAVE DISPUTED THIS WITH TRANS UNION AND RECENTLY THE ACCOUNT WAS DELETE OFF OF MY CREDIT FILE. THIS ACCOUNT IS NOT DUE TO COME OFF ANYTIME SOON. THIS ACCOUNT IS A CLOSE ACCOUNT PAY AS AGREE STATUS. WHEN I DISPUTED THIS I WANT THE HISTORY TO BE UPDATED FROM XX/XX/XXXX TILL IT WAS TRANSFER IN XX/XX/XXXX. IT WAS REPORTING IN ACCURATE DAtes SO I CONTACT XXXX AND THEY SENT ME A PAYMENT HISTORY THAT SHOWS THE CORRECT INFORMATION. A COUPLE OF DAYS LATER IT WAS DELETE. I WANT THIS ACCOUNT PUT BACK ON MY CREDIT REPORT AND XXXX FROM XXXX STATED SHE SENT ALL OF THE CREDIT BUREAU ALL CORRECT INFORMATION REGADING THIS ACCOUNT.