WillisBack/dataset-financial-user-claim huggingface dataset:
Several years ago, perhaps four years, I noticed the account balance of my mortgage balance had dropped significantly by approximately {$40000.00}, There was no explanation in my account statement for this. At that time, I thought perhaps my mortgage account had been credited back for inappropriate charges, fees, and negative amortization payments. Wells Fargo employees that I spoke with her baffled, and could not offer an explanation for this account balance fluctuation. After several months, my mortage loan balance increased again.
XXXX XXXX is causing ongoing injury to i by reporting an un-validate/un-verified debt that has been discharged under 11 U.S.C 727. XXXX XXXX has received notice through The BANKRUPTCY COURT CLERK, on XXXX XXXX, XXXX stating a Chapter XXXX was filed, and on XXXX XXXX, XXXX a signed order by the judge was sent stating all debt was discharged. To date XXXX XXXX never responded, never appeared, and never rebutted the fact they are a debt collector.
The Collection agencies did not give me a paid in full paper work ; they were acting in good faith on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ; They did not keep calling or writing but the debt was not removed from my credit record ; They single handedly use this one negative report for too many points for to long of time. They claimed no revolving credit or too few revolving account paid on time foe years now. They did not think of Pay Day loan companies was building credit ; they kept listing a Bankruptcy that was Dismissed in 2009 was still used unto this day? They sighted 1 late mortgage account in more than 2 two years was a good reason to deny credit? The Checking account for XXXX was closed and reopened after XXXX did not respond in time with documents used as a attempt to pay -- XXXX XXXX. They added a new never heard of before Collection agency for {$240.00}. XXXX XXXX XXXX 1 call and 1 letter? Contacted XXXX XXXX XXXX of XXXX XXXX Department and fell on deft ears after last payments made. They upheld the XXXX demand for " debt will ; not be released until they could wipe down the inner loins for the innermost place of the port for purging waste was paid ''?
I made a purchase to a XXXX Compass jeep. After filing backrupcy XX/XX/XXXX, this debt was discharge/charged off. It is still appearing on my credit report after several attempts/request to have it removed. This derogatory remark is causing a drop in my FICA score and raising my interest rate with other lenders. I request this to be removed from any future credit reporting services. Thank you.
We feel that we were given misleading information about the balance owed on a new Hyundai Elantra. We voluntarily gave the car back to Hyundai. Settlement amount was {$8200.00} We paid to XXXX XXXX XXXX We have a XXXX balance. Hyundai is reporting that we have a balance of {$3400.00}
A company called XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ), attempted to collect an invalid debt from me ( I believe they made a mistake through my insurer XXXX XXXX, but did not attempt to continue collecting the debt after I contacted them and explained this to them ). 

However, later a debt collection agency called XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX ) contacted me attempting to collect this invalid debt. By doing so, they burden me with responding within a limited time frame via certified mail to fix their mistake, a practice which I am sure they realize is time consuming and likely leads to errors they can take advantage of. Attempting to collect obviously invalid debt, either through malice or ignorance, should not be tolerated. I have sent a certified letter to the company ( included below ), explaining this issue, but by reading online found both companies involved appeared to repeatedly engage in this type of malicious behavior.
I HAVE A XXXX XXXX CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME XXXX XXXX WILL ADVANCE YOU TO A XXXX CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE XXXX  CARD W/ {$500.00} LIMIT. UNFORTUNALEY INXX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018 I IMMEDIATLEY CONTACTED XXXX XXXX TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. XXXX XXXX  STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' XXXX XXXX KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.
Shellpoint claims a check was issued and sent to the Tax Collector to pay for property taxes. Said check was never received by the Tax Collector and I had to pay for property taxes out of my pocket to avoid late payment fees. Bank is unable to track payment, refuses to provide proof of payment and credit my escrow account. I requested escrow account to be closed several times but haven't been able to get a response from the bank. I proceeded to send payment for principal and interest only, now the bank is threatening to report me to credit agencies for late payment.
I first contacted Equifax and XXXX in XX/XX/XXXX to let them know there were accounts on my credit report being reported by XXXX that did not belong to me. I asked Equifax and XXXX to validate the information with XXXX and provide me with any documentation connected with the accounts. Equifax and XXXX  did not validate the alleged accounts which are showing on my credit report. Equifax and XXXX repeatedly claimed that they verified that 11 Student Loan accounts in the amounts of {$29000.00} ; {$21000.00} ; {$6200.00} ; {$4000.00} ; {$21000.00} ; {$16000.00} ; {$16000.00} ; {$12000.00} ; {$10000.00} ; {$13000.00} ; {$15000.00} were opened under my social security number in XX/XX/XXXX and that the first delinquency of these accounts took place in XX/XX/XXXX. There are a few issues wrong here and very concerning. First, ALL OF THESE accounts were allegedly opened in XX/XX/XXXX. I did not attend school in XX/XX/XXXX ; Second, the first delinquency of all of these accounts took place in XX/XX/XXXX, which is BEFORE the date I supposedly opened these accounts. AND finally, all of these accounts are showing as paid but yet open accounts on my credit report. I have requested that Equifax and XXXX provide me with signed documents bearing my signature, showing that I had a binding contract with XXXX for the 11 Student Loan accounts they are reporting on my credit report. I also requested that Equifax and XXXX delete the XXXX line items from my credit report. Equifax has not fulfilled this request but instead lowered my score by 18 points for these alleged accounts, XXXX  also has not fulfilled this request. Equifax and XXXX  unwillingness to actually validate this information with XXXX is damaging my credit. My next course of action will be to file civil lawsuits against Equifax, XXXX and XXXX.
I applied for a personal loan at one loan place.com I was contacted by XXXX lenders. The first two denied me credit. The third one contacted me by phone, had all my information from this website. They instantly issued me approval for double what I was looking for. Initially they wanted me to pay back the loan in 7 months resulting in higher payment. I wanted lower payment or 36 month term. Their response was is n't your left over income x. You can afford higher payment, right? This was email from them This is to inform you that the loan application has been approved for a loan amount of {$4000.00} at flat 12 % interest rate with flexible repayment options Loan Amount : {$4000.00} Interest Rate : 12 % Loan Term : 2 years Monthly Installment : {$180.00} Total Payback : {$4500.00} Security Deposit : {$0.00} Loan Processing Fee : $ XXXX If you wish to proceed further and take this loan today itself then please read the quotations mentioned in this email and then call our loan officer for standard verification procedure at ( XXXX ) XXXX and follow the verification protocols explained by our loan officer. 



Please note that this is a preapproved unsecured personal loan on lower interest rates offered only to selected applicants WITHOUT CONSIDERING THEIR PRESENT CREDIT SCORES. 



Please Note : - 1.PLEASE DO NOT SHARE YOUR CREDIT / DEBIT CARD DETAILS WITH ANYONE. 
2.PLEASE BE READY WITH THE REQUIRED DOCUMENTATION ( PHOTO IDENTIFICATION PROOF AND CURRENT ADDRESS PROOF ) AS DISCUSSED WITH YOUR ADVISOR. 
3.ORIGINAL AGREEMENT PERSONALIZED FOR YOU WILL BE SENT TO YOU AFTER THE FINAL TRANSACTION IS DONE. 



REMEMBER YOU DO N'T NEED TO PAY ANYTHING IN ORDER TO TAKE THIS LOAN NOTE : LOAN APPROVAL CODE mentioned in this email is highly confidential ; therefore you are advised not to share it with anyone apart from our loan officer available only on ( XXXX ) XXXX. 





Thank you, Have a Blessed Day Instaloans Express XXXX XXXX Tel : ( XXXX ) XXXX ( ext. XXXX ) I was then told I needed to get gift card to prove I can make monthly payments. All they needed was receipt. Here is their email response when I asked if she could email her requirements. she had to get manager approval This is to bring your kind notice that your loan application has been approved now. As you know your credit score is not that good therefore we just have to ansure your lender that however your credit score is poor but still you are capable enough to pay your monthly payment on time. For this you just have to reserved your first monthly payment in the form of gift card and send us the receipt of that gift card as a proof that you bought card and reloaded your first monthly payment. As soon as we received your email then within next 30 mins you will get your funds in your account. 





Thanks, XXXX XXXX Manager - Accounts Department XXXX XXXX XXXX conversation with XXXX XXXX she told me her company was in XXXX XXXX, then she gave me another website in XXXX. You could tell XXXX not her first language, hard to understand at times. I did give them my bank account information and copy of my drivers license which now I am worried about. Probably good my credit is poor right now.
I wrote XXXX  and XXXX on XX/XX/2018 to dispute an inquiry on my personal credit report from Capital One on XX/XX/2018, nothing of any merit was ever sent to me except a letter stating to contact Capital One about my issue of inaccurate and misleading information on my credit report that is affecting my ability to obtain credit. 

I wrote Capital One on XX/XX/2018 and received a generic response explaining the types of inquiries. I wrote Capital One a second time on XX/XX/2018 and received back an identical response that did not satisfy the request for actual documentation of a credit application as required under CFR 1002.12 and 15 USC section 94 as it applies to the FCRA. 

The inquiry from Capital One whom does not have any proof of Permissible Purpose and has not provided any reasonable documentation to XXXX   or XXXX  should be deleted immediately because it is inaccurate and misleading.
My student loans defaulted after college. I have since gotten them through a debt rehabilitation program that was supposed to clear the delinquency from my credit reports. 

In the years since my credit reports have continued to report a severe delinquency regardless of how much prompting and calling I do. According to XXXX the info has been sent to all of the credit agencies, but they all allege that they never received anything. 

I don't know what to do short of hiring a lawyer at this point and since it makes all loan requests automatically rejected it's prevented my from making any moves to buy a house.
I currently bank with XXXX XXXX XXXX ( which is an online bank ). I wanted to cash a XXXX XXXX money order ( NOTE : This was a MONEY ORDER - NOT a check ) and yet USBank would not cash it for me because I did not have an account with them! I then took the money order to XXXX XXXX and had them tell me the same thing, " we can not cash a XXXX XXXX money order ''. Even after I explained to them that a Money Order is as good as cash, as it has to be purchased WITH CASH! What on earth is happening in our society when we can not go into a banking institution and have a MONEY ORDER cashed without having to be a depositor of that banking institution! This is highly unacceptable and absurd! I demand to know why I should be discriminated against simply because I do not bank with these XXXX banking institutions! And, because I do most of my banking online, my online bank allows me to make deposits through the US Bank ATM, however, I found out that they will hold these funds for up to 24 to 48 hours before making them available to me, which is highly inconvenient! And the reason that I no longer bank with USBank and XXXX XXXX is because I was getting " fee 'd '' to death if I did not keep a 'minimum ' balance in my savings accounts. I am tired of being held between a rock and a hard place by the banking institutions! I should not be required to have a bank account in order to get a MONEY ORDER cashed, as this is absurdly ridiculous!
I was in the XXXX in the month of XXXX XXXX first time since XXXX while in the XXXX XXXX, my mortgage was scheduled to come out of my bank account electronically, XXXX store did an EFT from a check i wrote AND deposited the check, and XXXX send my mortgage payment back to CHase FOR NSF. As soon as I found out I called Chase in the SAME month XXXX XXXX and explained I had documentation from XXXX and XXXX XXXX XXXX. The rep from Chase told me to just make XXXX payments in XXXX! I called on XXXX XXXX to make XXXX payments and CHase withdrew the funds AGAIN on the XXXX without any explanation, then reported my mortgage over 30 days late for XXXX! I monitor my XXXX score and it dropped it over XXXX points when I had NEVER been late on a payment of any kind in my life! I was going to sell my home in XXXX and closed on XXXX prior to selling I was told by Chase also that XXXX had to rent for at least a year before ANY lender would back me because of the 30 day late/CHase and faulty info given to me. CHeck my credit I have never been late on ANY payments EVER, had been a suscriber to XXXX for years, and had worked hard to maintain my above average credit. ( XXXX prior to my home purchase for my ill parents ) Thanks to CHase bank, I was naive, believed them and ended up renting from a SLUMLORD! I WANT MY GOOD CREDIT BACK! I have always been single and always financially independent and just XXXX person with ill advise from Chase literally ruined my life, at least the remainder of it. In addition, XXXX XXXX XXXX covered the additional mortgage payment Chase took out the next month in error, with my credit card..then proceeded to do a review of my credit, dropped my credit limit by {$5000.00} and which then reduced my score even more, ( made it look like i was OVER my credit limit! Trying to feel blessed ... and know I am .Happy holidays, moving AGAIN!
On XX/XX/XXXX I sent an email to the head of Capital One requesting a Goodwill Adjustment tothe negative marks on my credit report in reference to my auto loan. In spite of being charged nearly double for my car after financing by Capital One, I was a favorable customer for the first two years of my loan, paying my bill on time or early, up until the time I fell on financial hardships in XX/XX/XXXX due to being laid off. As a matter of fact, although laid off in XX/XX/XXXX, I continued to keep my Auto loan a  priority and it remained current until XX/XX/XXXX when my savings ran out. 

After my lay off, I ended up incurring roughly 14 months of negative payment history. However, once I regained employment and was able to again reorganize and build up my finances, I also caught up my Capital One Auto Loan and have kept it in good standing. 

I included all of this information in my request to Capital One, and was notified via phone, last week, and via mail, today XX/XX/XXXX that my request to remove the negative marks as a show of goodwill was denied. I was also given no reason. 
I explained to Capital One that I am attempting to purchase my first home, and that these derogatory marks from the period when I was experiencing financial hardship are the strongest factor in preventing me from getting a good interest rate on a home.
After the Equifax data breach was announced in XXXX of 2018, I have frozen my credit information with the four credit credit reporting agencies. 

Equifax has a web portal that will permit uses to freeze and unfeeze their credit report. 

In the first week of XXXX, I was buying a car and found that I was unable to access the web portal. It gave me a phone number to call. While they were able to help unfreeze my credit, they were unable to help with the web portal. They said someone would get back to me in 10 business days. It is now the middle of XXXX and still no luck with Equifax. 

The timeline : XX/XX/XXXX, notified Equifax of the issue. 
XX/XX/XXXX, I called Equifax as no one had called back. They said be patient. 
XX/XX/XXXX, called and spoke at length with someone who said it was my fault. 
XX/XX/XXXX, asked Equifax to have a supervisor look into the issue XX/XX/XXXX, a supervisor called and said she didn't know what the hold up was and escalated my issue again. 
XX/XX/XXXX, a supervisor said someone would get in touch with me in ten business days XX/XX/XXXX, I again asked Equifax to have a manager or supervisor get back in touch with me XX/XX/XXXX, a supervisor called and said he would escalate my issue again. 
XX/XX/XXXX, I again ask Equifax to have a manager or supervisor get in touch with me XXXX XXXX, the same man, XXXX, from XX/XX/XXXX called to ask what I wanted. 

Still, no resolution. 

Help. If I could, I wouldn't do business with company, but I have no choice. I hope someone can help me.
I purchased a TV at Amazon, and i used a promotion of 0 % interest for 24 months. As i had 24 months to pay with no interest, i set up an automatic payment thru XXXX XXXX XXXX, to pay a monthly amount until the amount was paid in full. The value of the tv was XXXX on XX/XX/XXXX I voluntarily started sending a monthly amount of XXXX the XXXX of each month, because i had 24 months to pay. By XX/XX/XXXX, i had paid the amount of {$1700.00} plus the remaining balance to pay it off of XXXX= XXXX. My surprise was when i realized that the bank charged me XXXX late fee each month since XX/XX/XXXX, and they charged me interest too, when it was a no interest for 24 months. I spoke to two account managers at XXXX ( XXXX and XXXX ), and they told me that they can only remove a late fee per year. That i had to pay XXXX to pay off the account. I made a payment by phone of the {$200.00}, and then they charged me the same amount back. I told them that i never missed a payment, that i always had the intention to pay, but in my mind i was sending voluntary payments and never thought the bank was charging me late fee for almost 2 and a half years. They did not do much. I dont think it a just practice to pay all those fees when i can prove i was in compliance with my payments to the company, the only thing that was not matching was the due date. I was committed to comply with my obligation with the bank.
I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by Equifax. I tried to purchase a XXXX bureau credit score by Equifax but instead they send me a copy of my credit report which I already have from the mortgage company. Equifax has a policy that if you purchase a one time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither XXXX nor XXXX scores are available. I would be able to get a better rate if those other scores were available. We tried myFico ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX.Twice!! 
The agent at XXXX said he can see my score. But when I tried XXXX.com, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON XXXX to purchase such a score for such a price. To date I am still unable to get my scores
We have previously contacted Experian concerning inaccurate information that we see is still on my report, I have requested several times that all inaccurate information be removed, XXXX seems to think that they are above the law and can continue in their false reporting activities. 
I have noticed that they are reporting false addresses that are not correct and need to be removed, my REAL address which is XXXX XXXX XXXX XXXX XXXX, TX XXXX everything else along these lines needs to be removed because they are not accurate. 
CFPB please fine XXXX for non compliance should they continue in their non sense reporting.
Have asked the bureaus numerous times to update all of my personal info ( name, address, employer ) and they refuse to remove information that is inaccurate.
I'm calling to report a company called Cordoza & Wexler - approximately six months ago I was harassed by this company for a debt I do not owe and I don't even know what they're talking about something to do with a payday loan and I've had a few in my lifetime and they were all paid back - the case number before was XXXX - the last time they called me they said I owed {$900.00} - now they're saying I owe {$700.00} - the person I talked to today was XXXX XXXX and I told him to stop calling this number and they had contacted me before and he blatantly lied and said we have never contacted you and then he backpedaled and said oh I see we did call you before - and you need to clear this debt - I told him no one has tried to serve me any documentation - and he said how do you know and I told him I'm home all day no one is coming to my door and that I had asked them to provide me with proof that I owe this debt before and I have never received anything so please stop calling and harassing me - I told him once again to provide documentation and all he did was talk over me - these are definitely scam artists and I just want these people to go away and what irritates me is he has my social security number. I don't know who these people are but they are horrible - I have blocked them and they keep calling so I called today to find out who they were. The last time that I reported this apparently you tried to contact them and they did not get back to you and the case was closed. I am beyond irritated with this group. The phone number that was on my caller ID is XXXX.
I have asked to bill me, I will pay as much as I can when I can. Asked to stop calling while I am at work, asked to stop leaving voicemail at work as calls are recorded. Asked to stop calling those I listed as references.