WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX credit reporting keeps reporting the same incorrect negative and false information that I have disputed and the other credit reporting companies took the negative debts off my records over a year ago. 1st on is XXXX XXXX for an apt that debt occurred on XX/XX/XXXX and it stated that it would be off on XX/XX/XXXX from my records which as of today XX/XX/XXXX it has not. Another one is WA State child support that this was an account that mistaking got on my credit reports which was removed ASAP but XXXX credit report refuses to remove after several disputes since XX/XX/XXXX.
I am trying to work on a short sale. Home owner has been FORCED to relocate to  XXXX  PA from  XXXX  PA - abou t 230 mile  relocation.     This   XXXX   XXXX   loan is service  d by PNC. PNC stated that since the home owner is current on the loan - the short sale request has been denied.
The homeowners have struggled financially and just made a loan payment ( with the IRS tax refund they received ) to get caught up.   They do n't want to see their credit suffer.     I would like this file to be reconsidered for a short sale.
XXXX XXXX a virtual call center sent invitation by email to complete background and credit check. I had to go to the First Advantage website and pay {$65.00} for a background check. The email from XXXX XXXX, list some of the reasons which may cause to fail. XXXX or more bankruptcies, XXXX or more civil judgement/leans in the past 5 years. I have the credit report from XXXX and it does not list XXXX or more. I have XXXX bankruptcy and XXXX judgement ( judgement which was satisfied in 2010 ). First Advantage score is incorrect it is not going by the email that was sent to me from XXXX XXXX. First Advantage sent XXXX XXXX a score of ineligible. This is a lost of the {$65.00} and a bad report to XXXX XXXX unable to work as an XXXX XXXX.
Equifax did not take proper precautions to secure my credit file in the event of a security breach. A security breach occurred on XXXX XXXX, XXXX and the public was not informed until XXXX XXXX, XXXX. Equifax needs to be punished for their clear negligence in keeping these records safe.
I have been asking Ditech for a mortgage modification since XXXX. The first was denied on income so I appealed since I started a new job. I faxed them ALL of the information they requested and have copies of the fax documents and upload reports and when I called they said they had the information. Then on XXXX XXXX they called and said my modification was not approved for lack of documentation and I should send in a letter stating I wanted to apply for another modification. On XXXX XXXX I received a certified letter informing me they are going to foreclose on my house on XXXX XXXX. I sent all of the documentation XXXX with a signature to make sure they have no reason to say that it was never received and now when I call they say it is pending being assigned to a loss mitigation representative. 

I would understand if I did not send/re-send/re-re-send/re-re-re-send the same documentation over and over. It appears they are dragging their feet awaiting the foreclosure.
There are discrepancies on my credit report. There are open loans and credit cards that I didnt apply for. Im also having issues getting loans and credit cards. I recently applied for a credit card and a personal loan from XXXX but it wasnt approved. This happened about a week and a half ago. I want to be able to get a loan and a credit card. I want the discrepancies removed from my credit report.
XXXX XXXX XXXX has not changed the status of my paid mortgage loan. Refinanced Home loan. Loan was paid off in XX/XX/2018. Still appears on Experian credit record.
We refinanced the house we live in XXXX XXXX XXXX XXXX, Arizona XXXX in XX/XX/XXXX with a company called Freedom Mortgage. It was then at 6.75 % interest rate and a fixed monthly payment. Immediately the payment began to increase so I began to research and investigate why. Freedom Mortgage said it was our escrow which we have evidence it was not. In the summer of XX/XX/XXXX we tried to refinance with XXXX XXXX XXXX as they were our home owners insurance and they said it could be done at 4 % interest rate. It did not happen as they stated Freedom Mortgage made it very difficult and at this time by there word we were now two payments behind. We caught up and paid Freedom Mortgage {$4300.00} in addition to the then payment. Freedom Mortgages stated to us that they sent it to a Loan Servicing company yet every single month we got statements from Them and made the payment directly to them. In the fall of XXXX they changed the account number and it has been a nightmare ever since. We have made the payments and I have copies of all the checks they deposited but not accounted for. They send us statements with amounts of funds placed in an " unapplied fund '' account. They have hurt our credit stating we are almost {$9000.00} behind. They tried to modify lowering the payment to {$590.00} for 3 months but wanted a new signed contract at 6.75 % and 30 years. Now they are threatening forclosure and we are claiming criminal charges because they got funds for months, say we have not made payments, forced us to hire lawyers that we do n't get any feedback as to their assistance but call demanding the payments. Oh we are besides ourselves. We want to get away from such a corrupt mortgage company. WE have contacted you before and they seem to do a pretty good job at lying to you as well when I have boxes and boxes of the evidence. HELP us please. Please file criminal charges against them for keeping money and not applying it to our account. Please file charges for promising they themselves would refinance at 3.5 % years ago and ignored the packages of paper information they requested I send to them stating, " we will get to it when we can ''. Please file charges against them for threatening and intimidating because they can. HELP US please.
I have been sending letters for almost two years trying to get this account off of my credit report, this account does not belong to me and the entry is harming my credit report. I did not authorize this account.
On X/XX/2017 I processed a transfer of $XXXX with Western Union to XXXX, XXXX tracking # XXXX. The charge for a transfer within minutes was $XXXX. the charge for transfer within 4 days was $XXXX. I paid the $XXXX. It has been 3 days and the funds have not been available yet. 
WU said that the money is now available after delay for processing, validations & approvals.
Since they admitted that they failed to deliver as promised I requested a credit $XXXX for the  difference between the instant & the 3-5 day delivery charge. They refused & said they will give me points for the next transaction I make. I don't plan on making any transactions with them.
The link below is for their website for money transfers
 https://www.westernunion.com/us/en/send-money/app/start

ps i see today that the in minutes transfer cost has gone up & the 4 business days cost has gone down!!
XXXX and Transunion are reporting past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.
Despite the fact I inly have one loan payment a month, navient chose to report it when late as not one late payment, but as multiple late payments breaking down my student loans into as many smaller loans as they could report. They literally destroyed my credit history in two months, just in the past month my score dropped XXXX because of their reporting practices. This not only impacts my day to day life, but also my ability to actually repay the loans -- mostly because now I 'm forced to pay higher rent on a XXXX appartment and that means less money a month to put towards anything else.
My Mortgage was original with XXXX, XXXX and XXXX, Then bought out by XXXX XXXX XXXX. I received notices stating my payments hadn't been processed to my account. Next thing I start getting calls from XXXX XXXX XXXX, I tried to submit all my documents to them for help on resolving this matter, Then Fay servicing was calling, neither time was I notified of the switch. I sent XXXX, XXXX XXXX and Fay servicing all information canceled checks and 2 different statements from XXXX with different balance numbers, I also informed them the XXXX XXXX XXXX had walked off and abandoned the property and sent them a abandonment affidavit. I was laid off and struggled with each of these after faxing multiple times loan modification application and not getting any response on this account. I have tried to get them to help me save my home, Fay services stated there was nothing they could do to help me. Not even giving me chance or explanation. This is my home stead property, I am eager to save my home and a chance to do it. Come to find out Fay servicing was mailing information on the home to a XXXX XXXX another address not the home address not XXXX XXXX XXXX .Thank you
Since XXXX 2010, I have sent over XXXX certified letters to both XXXX and XXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX XXXX XXXX Acct No. XXXX
XXXX XXXX checked their database of XXXX XXXX publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS XXXX I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus to make them aware of the Identity Theft and disputed. The Fraudulent addresses were all removed from my report and just recently re-appeared. I have spent a tremendous amount of time and effort in resolving the brutal effects of Identity theft and this is not right. I don't deserve this life of XXXX. I am disputing all of the following information due to be incomplete and inaccurate.
Ive explained that I have been out of the country for 10 years to XXXX FL XXXX and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.
There are several items reporting on my credit file that do not belong to me. These items are reporting on my credit report as a result of identity theft. Please assist me in getting these items removed from my credit file : OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, Now XXXX, XXXX, XXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company named XXXX XXXX XXXX XXXX XXXX XXXX called me and my relatives today leaving a message that i would be sued if i did not contact them. When i did reach them they said i owed {$600.00} and would cost me 3 times that amount in court if i did not pay them.Caller stated they wanted to set up a time when i could be served at my residence or the would have to serve me at my work. They gave an address from 10 years ago, and a bank that was never used. I asked them how they acquired all the phone numbers, but they would not tell me, i told them not to call me or my relatives again. But the calls kept going out to my relatives. This an embarrassment to me to have to explain the matter to my relatives.
I have been contacted by them numerous times and each time I have asked them for an itemized bill to verify the amount owed. I keep getting different responses from them from " we do n't have to give you XXXX '' " well why do n't we just settle the debt so you do n't need XXXX '' " just pay your bills you do n't deserve XXXX ''.
I am being bombarded with phone calls from Navient! AND, I 've never had a student loan in my life! They have mixed me up with another person with the same name and the same city. I have asked them many times to remove my number to no avail. Please help me get this straightened out.
I am trying to refinance my first mortgage through my bank back in XXXX 2016. In the process they said they needed a subordination from my second mortgage lender to proceed. My bank filled out and sent the necessary paper work along with the {$250.00} fee for the subordination. The check was cashed by Nationstar but they continue to stall. I was hoping to refinance to a lower interest rate 3.75 % XX/XX/XXXX now its almost XX/XX/XXXX and they continue to stall and not respond. That new interest rate could have saved me {$200.00} a month on my payment. Now the rate lock expired long ago and rates have gone up. My bank has repeatedly emailed and called with them saying you will hear something soon then never respond again. I have called and emailed several times with no response. They should not be able to hold me hostage like this. Its my second mortgage and I have been paying it faithfully for years. I would have never expected this.
I just feel like these places are legitament businesses but are undermining DUE PROCESS being unprofessional to it's potential customer. Why are we subjected to pull out our cell phones for them to call to see if it's on or not? 

Why do we have to WAIT to a weekday to VERIFY our employment when they are requiring your paystubs and bank statements applying on Saturday when your off but your company you work for is closed on the weekends. 

They are very unprofessional not real business like practices acting like street hustlers instead of a legit business that has protection at the BOTTOM LINE for those loans. If a person submit their info and it's fraud then TAKE ACTION when it occur like a police officer get a call for a bank robbery they deal with it after not before! 

If you committ a crime you do the time. This is a business environment you are taking RISKS either way loaning money out. THEY NEED TO KEEP IT ON A BUSINESS DUE PROCESS LEVEL and stop treating everyone as CRIMINALS being put under their unprofessional practice for it's consumers. Elimanating that calling your phone calling on the spot other words if you don't have a phone they'll deny you when they NEED TO BE HANDLING BUSINESS THROUGH THE MAIL. 

All these XXXX SC loan places title loans, installment, check writing loan all are doing this street hustler foolishness. Bottom line if someone default after going through a legit process those companies still will get a write off or their company insurance will cover it.

You all need to address this issue QUICKLY shutting it down making these businesses get back to professional standards towards it potential customers. Making them put other methods in place for us consumers having to wait until Monday when you off Saturday and need the money Saturday. They all are acting so petty and not leaning at their business protection for those loans actually looking more like PREDITARS to the consumers GREED-GREED-GREED attitude having no form of business class. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
To whom it may concern, On my last visit to this office ( XXXX XXXX & XXXX XXXX, XXXX XXXX office ), the doctor made some confirmation and told me that everything would be covered by my insurance and I only have to pay the copay, and that was why I agreed to have the procedure done. I came to front desk and made the copay payment and even asked them if I owed anything else. They confirmed that I dont owe anything else. But I just checked my credit report, I have a collection from them of $ XXXX.This is affecting my credit score I request this tobe resolved since it 's the wrong amount posted on my account. My balance should be {$0.00} and I should not owe them anything I called their billing office to try to resolve this but they were mean, used profane or other abusive language and said I still owe the amount. She sounded like it was okay for them to lie and misinform their patients including me ( that I didnt have to pay for the procedure ) so that I will agree to do the procedure I called my insurance and they told me to call the doctor billing office and tell them to call my insurance but they refused to do it
An appraisal was done on my property on XX/XX/XXXX. The value was way lower than it should have been and therefor no loan was provided. I paid XXXX dollars of my money for that appraisal and just found out it was just submitted to HUD on XX/XX/XXXX? This is ridiculous and not only am I stuck with a low ball value on my house for 6 months I am also out XXXX dollars because some XXXX  lender sold me and told me my house was worth XXXX! The appraiser is also wrong! It should have come in around 360k but im being XXXX  on both sides and as a consumer this is XXXX! I called HUD and they told me that the XXXX that I paid didnt even goto the appraiser because he hasnt even gotten paid? At this point I want my refund for my appraisal and I want this XXXX value erased from the HUD system. This whole thing is a bunch of XXXX!
Someone stole my personal information and identity and got an auto loan from UAC/Car hop. I am a victim of identity theft. I have never applied for an auto loan with UAC/Car Hop. The account is unauthorized and fraudulent and do not belong to me.
Ok theXX/XX/XXXX Transferwise which exchanges currency and funds. Advertised a new borderless account that you can use to transfer money and pay bills with in different currencies. I exchanged Pounds sterling into dollars {$600.00}.

I was told several times by Transferwise staff that payments can be debited and bills paid.

When I made the payment on the XX/XX/XXXX. The money {$600.00} was returned because Transferwise changed there mind and decided not debit any account even though I was told I would. Because I was using that money to pay my credit card those funds were past due and my account is in delinquent significantly decreasing my credit score. My credit card company charged me {$110.00} cents in late fees and interest charges. I was told via phone on Saturday XX/XX/XXXX by a member of Transferwise called XXXXXXXX XXXXv that any late charges of fees will be reimbursed by Transferwise for any inconvenience caused. Also I filled a complaint and no one returned my calls. I called 5-6 times and yet my complaint was ignored and Transferwise refused to honor the pay even though they said they would. Transferwise has misled me through false advertising and refuses to be accountable for there mistakes
I have been in business for over 30 years. I own a XXXX. Up until about 4 years ago I was using a couple different bank accounts. Pnc bank came to my XXXX and got me to consolidate my bank accounts, credit card processing, credit cards, and lines of credit through them only. We accepted because there were multiple benefits by switching to one bank for our business and personal banking needs. Once we switched to PNC only, they were able to see how much money they could make off of us, so they continued to try to get more of our business switched to them, and away from our main credit card which is XXXX ( which we spend about {$50000.00} a month on ). We do a pretty large volume of sales, through cash and also through credit card processing. After about a year of doing business solely through PNC they contacted us regarding large cash deposits, and the frequency of them ( which was about 3 years ago from the current date ). A VP of banking came to our store location to ask us some questions regarding the deposits, and also to see our store operations. He took pictures of our XXXX square foot XXXX, the amount of merchandise we have, our previous 3 years tax returns, and at the time the most recent bank statements. After seeing our store, and the amount of volume of sales we were doing, they had a better idea of our business, and said things were fine. Recently we received a letter from PNC stating that they were closing our business account, and also my personal checking account. The form gave no explanation as to why this was happening, only a phone number to call, which they basically told us they did not have to give us a reason as to why they were closing the accounts. Their reasoning was that they no longer want to do business with us. The business is owned by me and my daughter, who also has another business she runs. Neither her personal accounts, or the seperate business accounts were closed. The local branch manager was also not able to give us an explanation as to why our accounts were being closed either. The worst part about this is not only our business checking and my personal account being closed, was that they did n't close out the credit cards, credit lines, or our credit card processing through them ( which if we decide to cancel, they will charge us 250 a month fee for the rest of the contract, about 1 year left ) Now we have to switch to another bank for business checking and personal checking, but continue to use their merchant processing, which we will get charged a monthly fee for not rolling all of our business transactions through XXXX. We do business with a very diverse clientele, XXXX, XXXX, and also XXXX customers. I am an XXXX, XXXX XXXX who is also an XXXX citizen. Does the issue that they have with us have to do with the fact of my nationality, my customers nationality, or something else? I have no idea, because we were given no exact answer as to why this is happening.
On XXXX XXXX of XXXX I initiated an balance transfer for {$6200.00} from XXXX XXXX ( total rewards XXXX ). After three weeks I contacted the bank through secure messaging. I informed them that the transfer was not received by XXXX XXXX. I have called them multiple times and always get a run around and have never been contacted by anyone by phone. After the last call the send a letter stating they are working on my inquiry ( dated XXXX/XXXX/XXXX ) ... this was the second letter. So now for 5 months I have been paying the balance on two credit cards. 

I feel I have exhausted extensive time to solve this problem with this bank and do not see a resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account Number : XXXX Bank Number : XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX