WillisBack/dataset-financial-user-claim huggingface dataset:
My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars fro m five y ears ago. I am Inquiring as to why that is?
My name is XXXX XXXX I am in my XXXX. Just received subpoena on an auto loan that appears to be mine. I think I signed a loan for my son for two cars but this only has my name on it. Im confused. Ive not been contacted that payment wasnt made and looks like its been several years ago. I have congested XXXX XXXX and XXXX and my wife is battling XXXX and XXXX for noncurable XXXX, somehow we been signed out government XXXX and only have a replacement XXXX plan. We have no money left. Why didnt someone tell me before now. Why didnt they contact me but wait several years? Can u help me? My address is XXXX XXXX XXXX XXXX XXXX va XXXX and my stepdaughter helps us. I have hard time hearing. Ask for her or XXXX. The warrant is from XXXX XXXX XXXX. If they can send warrant in the mail why cant they call me or talk to me. We have no money thank u
After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We requested " description of reinvestigation procedure '' multiple times. The not only did n't respond within 15 days of receipt but they simply ignored the request entirely. See attached letter and certified receipts. XXXX and XXXX responded within time allowed saying they could n't fully verify and comply with the request so they took it off. 

Accounts in question are : 1. XXXX XXXX XXXX ( creditcard ) - First date of delinquency is 7 years 2. XXXX - First Date of delinquency is 7 years Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
I have never had any account nor signed any agreements with XXXX XXXX XXXX. However they are on my credit report demanding {$1100.00}. This is incorrect and It needs to be deleted.
I am writing to dispute  XXXX   XXXX   XXXX  on credit r eport number  XXXX . The balance listed on the account is incorrect. Please delete the account.
I realized on XX/XX/XXXX that I overpaid my XXXX XXXX ( XXXX ) by {$920.00} due to making a payment and having one scheduled. My account was at a XXXX balance ; therefore, I have a {$920.00} credit. I called on XX/XX/XXXX to request this be deposited back in to my bank account. The rep said general practice is to send a check that I would get in 7-10 business days. I demanded the money be deposited back in to my account. She said it would take the same amount of time and I said that was fine. On XX/XX/XXXX I called to get status ; I was told it was still in process and to give it a few more days. I called a couple more times, but do not have those dates. Yesterday ( XXXX ) I called again and demanded to speak to a supervisor because I still did not get my money back. On another date I demanded to speak to a supervisor and got transferred to another CSR who admitted she was not a supervisor. The supervisor I spoke with yesterday said she would get this escalated and that when I called on XX/XX/XXXX the CSR did not do anything to get the process started. When I called on XX/XX/XXXX no one mentioned that. When I would call to get status I was always just told to give it a little more time. The supervisor I spoke with yesterday said she would call me back that day. I have yet to get a call back and still have not gotten my {$920.00} credit. I'm a single mother who needs this to pay my mortgage. I'm beginning to think I will never get it.
Had a vehicle that was financed at the Bank that was traded in and paid off in XXXX. Subsequent to the payoff, another payment ( {$540.00} ) was sent by my bank due to my failure to stop the automatic draft in time. I have since called the Bank and spoke with numerous people ( at least 6 phone calls ) who all told me they would be sending me a check for the payment in about a week. This went on for three months. Today I called them again because I still have not received the check. The CSR that I talked to today informed me that my payment was applied to a family members account that I have nothing to do with. So I had that family member to call and confirm that the payment was posted to their account so that I could get them to refund my money. I gave her my case # and she called and spoke to two different CSRs who both told her the payment was not there.
Portfolio agreed to remove the debt and I sent the check they cashed which stated in the memo that the debt was settled and would be removed. Before then I also contacted them stating that the date of delinquency from the credit card company was to be used according to the FCRA. They continue to use the date they received the account and continue to state that I owe the debt even thought they cashed the check. They did not try and contact me about the debt for six months until I disputed it on my credit file. I received a letter from Portfolio stating the debt was too old to file a claim in civil court amd thus they would not be perusing. I also had to explain and notified them in writing that all communication would be written that no more calls would be accepted and would be considered harassment. In settling the debt they refused to send out the settlement agreement until I paid the portion we agreed. In a similiar situation this had happened and they tried collecting after we settled and refused to remove the debt. This time I put it on the check and refused to have them do an electronic check since last time they did not remove the debt and stated I had no proof of such.I also expressed that they had the wrong dates for the account and were not following the FCRA on the date of first delinquency.
I inquired at US Bank, XXXX XXXX XXXX XXXX. in XXXX XXXX, Ca. about a H.E.L.O.C loan. I was informed by the branch mgr. XXXX XXXX I could get the loan At 3.75 % int. for 10 yrs. with free checking. No min. balance or monthly service charge on the account. Also the checking account was optional. If I decided I did not want the checking account the interest rate would then be 4 %. No annual fee on the loan no matter what. 
At the closing of the loan ( a different mgr. ) I was informed that without opening a checking account my interest rate would be 4.25 % with a {$90.00} annual fee on the loan. If I opened the checking account there would be no annual fee provided I maintained a daily balance of {$2500.00} in the checking account or pay a monthly service charge of {$20.00} per. month At this point we decided we could not trust anything US Bank said so we opted out. I feel we were purposely misled and wasted many weeks in applying for the loan. I really think that they feel you have so much time and energy into the loan that you will just sign and not walk away. They ( USB ) should not be allowed in engage in these deceptive practices. Thank you.
I would like to complain against XXXX, Transunion, and XXXX. This company XXXX XXXX put a XXXX inquires on my credit report. XXXX for XXXX, and the other XXXX for XXXX. XX/XX/XXXX and XX/XX/XXXX. They are calming that I did not pay XXXX and I had a dog that died. I called the company and cancel service, and was told that they were sorry for my lost and all I needed to pay was my cost to get my dog cremated and that was what i did. I really want this removed from my credit report.
My mortgage company made payment arrangements with me but XXXX days later said they would n't take payments.
I filed a complaint earlier this year when the car was still in my possession. The company Santander appeared to comply with my request if I volunteer the surrender the vehicle. I agreed to surrender the vehicle under the conditions I would have a XXXX  balance. Santander hired a local law firm that send deceptive documentation NOT written in laymans terms that stated I surrender the vehicle and after it sells in the auction I will owe the difference. If i signed the form I waived my rights to any future due process. I replied to the letter and asked for the letter to state amounts so that both parties were clear on arrangement and also asked that the letter be signed by Santander and myself like a proper contract should. 

The lawyer did not respond to my request. I received several visits to my house to be served for a court date. I received tons of advertisements from local law firms willing to represent me for my court date. I was never properly served but knew my court date existed. I complied and went to court and agreed that I would have the car ready and available to be repossessed.

The car was repossessed and resold at an auction. I was charged auction fees legal fees as well as the remaining balance of the car. Why am I responsible for their remaining balance Santander has the car and has sold it. Contract? The contract was illegal I was never able to afford the car loan my income was inflated to be approved. Why is it when one loses their home due to foreclosure they lose their home and no longer have to pay on the loan?

How is it that Santander acquires an illegal loan from a fraudulent company that is no longer in business due to fraud and is able to legally launder an illegal loan?

How is it that Santander writes the car off on their taxes as a total lose but then has it show on my credit twice once as a total loss and then reappear as a open account for the remaining balance?

How can Santander write off the car for tax purposes but then re gain possession of the car and make a profit from it?

Why is a blind eye being turned to this illegal activity?

Why is Santander able to target low income, low credit score and red line individuals and neighbors legally?

Why is Santander able to admit fault in court and never change their illegal tactics?

Why is it that Santander can acquire billions of dollars in profit through illegal loans but only pay bare minimum consequences?

Why is the companies being protected and not the people?

I am still waiting on the questions asked in the initial letter to be addressed.

I have been in constatnt contact with the company representatives and have been complaint. I just requested a document that stated the dollar amounts and signed by myself and the company as legal and proper agreements should with non deceptive language that the general public can read and understand. This could have been prevented.
I applied for a loan modification in XXXX i submitted all the documents on XX/XX/XXXX and additional documents on XX/XX/XXXX, i received a email on XX/XX/XXXX stating that 4 items where needed with a due date of XX/XX/XXXX, the letter was address to me and supposedly mailed to me which would have been possible because it had the wrong address on it, also we spoke to XXXX XXXX who is the point of contact for this file and informed XXXX XXXX and my self of the missing documents on XX/XX/XXXX with a due date of XX/XX/XXXX basically giving us one day to get the 4 items in which was on a Thursdays day and we sent the documents in on Friday XX/XX/XXXX, directly to XXXX XXXX XXXX number XXXX which goes to her computer, we followed up with her on XXXX XXXX via email and left messages in her voice mail and called customer service regarding the documents only to be told we could send her a email or leave her a message, we didn't her back from her until XX/XX/XXXX only to told that she didn't get the documents to her efax which is the one we have used all this time, so we resent the 4 items again on XX/XX/XXXX, and of course bayview tells us its after the due date of XX/XX/XXXX and a sale date of XX/XX/XXXX which was more than of enough time to get the loan mod done but they would rather foreclose then to say that XXXX XXXX never responded XXXX XXXX emails or phones calls asking her to confirm that she received the documents that went out two weeks prior on XX/XX/XXXX, we included copy of the dated documents for XX/XX/XXXX a copy of the email from her on XX/XX/XXXX thru her automated dated document system requesting the documents the XXXX items and a copy of the emails asking her to confirm that she received the 4 items.we responded to every phone the same day or the next day from XXXX XXXX but she never responded to any of our emails or phone calls during XXXX XX/XX/XXXX, bayview had plenty of time to process this loan mod from XX/XX/XXXX to XX/XX/XXXX,
I went into a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Bldg XXXX XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.
We were on and protected by the FEMA/Government forbearance after Hurricane Irma, during which time both myself and my wife 's credit report was negatively impacted when our mortgage company XXXX XXXX reported us as late on our mortgage. I called and was told there was " a mistake and some ... a few customers were mistakingly reported to the Credit Bureaus but they would issue a retraction ''. Mine was corrected, my wife 's however was not. Ive called several times on this matter and either their computers are down or something. I called this morning XX/XX/XXXX to try to get this taken care of. The customer service rep puts me on hold then comes back a few minutes later to tell me I will have to pull a copy of my wife 's credit report from one of the 3 bureaus and then fax or mail it in. I asked why I would have to do that now when I did n't have to do that before? She said she was n't sure but if I wanted it fixed thats what I would have to do. I said no I should n't have to spend my own money to fix a mistake your company made. And then I asked to speak to someone in that investigation department. She said she is that department. I asked why when I called the other day I was on hold to be transferred but their computers were down? ... she said that I called a different department, I said no it was customer service. So now customer service is the investigation department I guess. I should not have to go through this much trouble to fix a mistake on their part. I do believe they are discriminating against me as I filed a complaint on them before for their terrible customer service and mishandling of my mortgage and this is how they retaliate. I also just this past week opted out of a mortgage modification with them after they told me I would not be able to make my XX/XX/XXXX payment and would have to wait till XX/XX/XXXX to make my first payment. I said XXXX no I am not going to be late on my mortgage and go through all this again. The rep told me well thats how this works, you have to be behind if there is a hardship. I told them to cancel the modification I opt out. Today since my account was just unlocked to make my payment before the XX/XX/XXXX, I find another {$20.00} fee accessed to my payment. When I asked the above first mentioned rep she said it is a Property Preservation Fee that was made to the account on XX/XX/XXXX. I said no my mortgage has been current as of XX/XX/XXXX and I will dispute any other fees as you guys already charged me two {$20.00} fees ( FEMA Natural Disaster Billed Fee ) while under the forbearance. 

The former complaint I filed was closed after the mortgage company sent in a bunch of misinformation and out right lies regarding contacts, dates, etc, to which I never got the opportunity to rebuttal. I would hope this complaint is received with more merit and a little investigation into XXXX handling of mortgages and credit reporting!
They keep verifying that a dismissed chapter-XXXX bankruptcy in my credit report is mine and they are wrong. They are not verifying or investigating this information, this belongs to someone with a similar name but it 's not mine. I need this item removed at once from my credit report.
On XXXX XXXX XXXX Fifth Third performed an unauthorized hard inquiry on my credit report, i did not authorized such inquiry and it is affecting my XXXX XXXX. I tried contacting the Bank without any success.
I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$4000.00} as income. This is false, I did not receive that amount. I only received {$1000.00} and included a copy of check I received. Now that I am filing my taxes, It looks like I received {$4000.00} when in fact, {$3000.00} were attorney fees, paid directly to XXXX.
Please be advised that I have tried since Wednesday, XXXX XXXX, 2017, to obtain a letter of mortgage reinstatment from our mortgage company, Seterus , Inc, XXXX XXXX XXXX, XXXX, CT, XXXX. There contact number is XXXX. 

I have spoken with several Seterus representative 's asking for this document. I have asked that the document be faxed to my attention. The representatives state it takes 5 days to mail. I have waiting five days and it still has not arrived via fax. Then I was that it had been mailed instead of faxed to which I have not received in the mail yet. I find it unacceptable that it would take this long to fax a document. I have read customer reviews indicating the same complaint with delay in receipt of documents. 

In conclusion, I have attempted to work with Seterus by being patient, making several calls, but no documents. I have even been told by Seterus representatives that this matter has been escalated to administration. However, no resolution. I am in the process of finalizing a loan to pay my mortgage current, but can not obtain the funding without this reinstatement letter. Please help. 

Thank you XXXX and XXXX XXXX XXXX XXXX Loan # XXXX
I have an account that was charged to my credit report, XXXX XXXX XXXX. Someone took out a payday loan using a bank account that was closed in XXXX with my information. They took the loan using this information out in XXXX. Again the bank acct was closed in XXXX. I want this resolved and closed and off of my name as well as my credit back up to where it should have been without this negative on my account for the past years.
I have a XXXX XXXX which is administered by Synchrony Bank. On XX/XX/2018, Synchrony Bank withdrew {$820.00} from my checking account as an automatic payment for my statement. They should have reduced this by {$190.00} which I paid independently of the auto payment. Worse, they have not credited my account for the {$820.00} as of today, XX/XX/2018. They have credited the {$190.00} which I can use for credit. 

I was told there was a hold on the {$820.00} since it is a large payment, despite the fact that they withdrew the money from the same account as all previous payments including the {$190.00}. Further, the checking account shows the money has cleared my bank. 

I think this is fraud. I am told that I can not use the {$820.00} until XX/XX/2018. There was no warning. They are illegally denying me the credit promised. 

They seem to be above the law.
I asked for a credit freeze with Experian. However, anyone can recover my PIN : https : XXXX
There has been a serious and ongoing issue with DiTech. When applying for a loan modification, DiTech advised on XX/XX/XXXX that the application went to underwriting. Throughout the process we have provided documents and clarification in a timely manner as requested by underwriting. On XX/XX/XXXX we were advised that the package was deemed complete and we needed no further explanation or documents on our end. From that day on, we called almost every other day for updates on the package. We were advised on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that our package was complete, being reviewed, and was still in underwriting. On XX/XX/XXXX, we were told that this case was being escalated because we should have had an answer by now. Then, on XX/XX/XXXX we were told that DiTech was still looking into it. Finally, on XX/XX/XXXX, the home was sold to a sheriff sale. 
Why is it that no one at DiTech was able to advise us of a sale date? DiTech gave us the impression that the modification package was not only complete, but actively being reviewed with underwriting. This is someones home and DiTech obviously does not do their due diligence to ensure people are being properly taken care of. We could have taken the proper steps to prevent this had our lender, DiTech, done their job.
On XXXX XXXX 2017 my credit report was access by XXXX XXXX XXXX for the purposes of mortgage with my consent I however do not agree with the XXXX report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XXXX/XXXX/2017 in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected my credit score
Tried another bank company was verifying the ownership of my acct with capital one and it said that they as well as I was blocked from accessing my own acct with capital one
I only fell a few weeks behind and they are calling my employer, who I never gave permission to call. I have instructed them that the only valid number to call is my home, and they must discontinue calling my place of work and my family.