WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 I called Pentagon Credit Union customer service to learn about the mortgage and auto loan products. XXXX, the person that attended me by phone, told me that in order to apply for a loan in PenFed I had to open a bank account. XXXX told me that in order to open an account they had to review the credit report and I clearly told her that if it was a " HARD inquiry '' I did n't want to because it will affect my score and I was buying a home. She told me that the inquiry was a " Soft '' but anyway she was going to check. After a while waiting by the phone XXXX confirmed me that the inquiry was a " Soft '' inquiry and because of that I opened the savings account. 
These days, monitoring my credit, I discovered that indeed a " HARD inquiry '' was made by PenFed. Yesterday, XXXX. XXXX, 2016, I called customer service and talked to XXXX the supervisor and require her to remove the inquiry immediately because it was unauthorized and affected my score. XXXX told me she verified with the department in charge to see if they can remove it but they told her they CA N'T. 
I 'm very upset because XXXX provided me with incorrect information and because of that my credit score lowered and now I have trouble buying a property that I optioned. 
XXXX told me they can send me a letter notifying that the inquiry was to open a savings account and when I ask her to include that it was n't supposed to be a HARD inquiry she told me she could n't include that. That letter does n't help me eliminate this from my credit bureau and does n't increase again my score that is what worries me more. 
I called the credit bureaus and the told me that PenFed is the only one that can notify the error to the bureaus so they can eliminate it. If they do n't do that is going to stay in my credit for 2 years. 
Please, notice this was an UNAUTHORIZED HARD INQUIRY. To do this they should have a verbal or written authorization and they do n't have it. I was clear about that.
I've requested proof a check issued on or around XX/XX/XXXX from Capital One was received and cashed by myself, the amount of which is XXXX. To date, I've received information showing a XXXX XXXX intercepted check, forged my name, cashed check at a XXXX XXXX XXXX in her name. This information shows funds received by this other party, not myself. On the morning of XX/XX/XXXX, I left for vacation around XXXX XXXX, a XXXX XXXX picked me up and drove me to XXXX XXXX. The check, which is a replacement for a prior one which had a stop payment on it, was intercepted by a XXXX XXXX on the following day.. Capital One has information which appears entirely circumstantial, does not link me to receipt of funds. Further, they fail to provide a mailing address to send a notice of small claim suit. I understand they use a third party for such notices but failed to provide address which has been requested numerous times. They provide a website to visit, which is not the information requested, I believe they are withholding the information, knowing they do not have any direct proof I cashed check/received funds. The proof they provided shows again, a XXXX XXXX received and cashed check, deposited it to a XXXX XXXX XXXX while I was away. I left for XXXX XXXX on XX/XX/XXXX, was there until XXXX, did not receive check and or cash it. Capital One claims they do not have a signature card on file, as most banks require.. However, if they check signature on both checks, one issued on XX/XX/XXXX and second one on XX/XX/XXXX, they will see signatures are different from another. The check received on XX/XX/XXXX, was cashed by myself, deposited to my XXXX account. This check had a stop payment placed on it, funds not received. The second check in question, which was intercepted, has a forged signature on it ... I request copies of both checks for my own signature expert to view, I also request Capital One have their own expert review them.
RE : Dispute of Derogatory Report from National Recovery Agency / ( BXXXX XXXX XXXX ) We received a letter/statement from National Recovery Agency ( NRA ) on XX/XX/XXXX dated XX/XX/XXXX stating that we had been placed into collection with them by a law firm ( XXXX XXXX XXXX ). We were the victims in a theft case that XXXX XXXX XXXX had been representing us in, but after closing the case we received a final billing that we are disputing. 

As per the instructions on their ( NRAs ) own notice dated XX/XX/2018we were notified that we had 30 days to notify them if this claim was in dispute, which we did by phone ( ( XXXX ) XXXX ). 

Directly thereafter, we again followed up ( by mail ) with NRA again stating that they were not to continue contacting us on this matter until such time as they had a valid claim ( such as a judgment against me ). We stated again that this was not a valid bill. This was done to NRA by U.S. Mail ( certified, return receipt requested ). They ( NRA ) received and signed for the letter ( copies attached ) on XX/XX/2018 again well within the 30 days stated on their own paperwork of XX/XX/2018 ( copies are attached ). 

In response to our certified letter, on or about XX/XX/2018 from NRA we received a copy of a XXXX XXXX XXXX billing summary, which reflect totals that we are contesting. ( copy of postmark and front page of document attached ). 

On XX/XX/XXXX we checked our credit reports, and found that NRA had placed a derogatory entry for collection against me with XXXX. It is our understanding that under provisions set forth by the Federal Trade Commission and other governing legal bodies this is not legal since this is a contested debt and neither XXXX XXXX XXXX nor National Recovery Agency has obtained a judgment against me. Furthermore, it seems National Recovery Agency placed this derogatory entry with XXXX  on XX/XX/2018 which is even before their original notice to me dated XX/XX/2018. This allowed us no time to inform them that this bill was being contested. 

Once again on XX/XX/2018 @ XXXX, I called NRA ( XXXX ) XXXX to discuss the fact that they ( NRA ) had illegally posted a negative entry onto my XXXX report. After much initial stonewalling by a Mr. XXXX, I was transferred to a manager XXXX. He stated that all I could do was forward my information to them via their attorneys email address ( XXXX ) and he then just hung up.
On X/XX/17 I called TransUnion Credit Bureau and told the representative that I was a victim of the " inquiry issue ''. To my dismay they told me that they did not know what I was talking about. There was indeed a glitch and TransUnion took off inquiries and then put them back on my credit report.Clearly a breach of FCRA 611 5 ( b ). Attached are copies of my most recent credit report with all of the inquiries I want removed immediately.
There is a debt collection company by the name of XXXX   on my credit report. I have been in contact with them and the bureaus in an attempt to find out what this collection was for. All I can find out was that its fro a apartment that I did live at, XXXX XXXX, but I did not break my lease or leave the apartment in a mess. However when I originally signed the lease I requested that the carpet be replaced as it was dingy and had balled spots. Now I believe that they are trying to back charge me the {$500.00} for the upkeep of there complex. If I would have known they were going to back charge me I would have never moved in.
Please be aware that I have submitted a similar complaint twice, but both times Citibank has found ways to avoid responding. As I was unable to reach a resolution, I am supplying more information in this complaint. 

Prior to XXXX I knowingly and voluntarily co-signed on XXXX of my sister 's private student loans taken through CitiBank for her master 's program. Subsequently, beginning in XXXX XXXX and continuing through XXXX without my consent or authorization XXXX XXXX XXXX XXXX more private student loans were issued to my sister using my electronic endorsement. XXXX XXXX purchased the loans at some point after the loans were issued. In XXXX XXXX, I sent dispute letters to XXXX requesting verification of the debt. In XXXX XXXX XXXX responded and insists that because my social security number, date of birth and address were provided on the request to open the XXXX additional accounts, they are valid and I am financially responsible. I sent a second series of letters to XXXX in XXXX XXXX challenging the validity of the endorsement and requesting information to demonstrate that the applications for each of the disputed loans were in fact endorsed by me. I also requested a copy of the assignment or purchase agreement between XXXX and CitiBank for each of the accounts. To date no response to the second set of dispute letters has been received. In XXXX XXXX I did receive a letter from XXXX informing me that the loans were delinquent. 
I have sent XXXX sets of disputes to the XXXX major credit bureaus for each of the XXXX loans based on the fact that I did not sign or authorize my signature to be used on these loans. Each of the agencies has responded and claim that their investigation shows that I am responsible for each of the loans and they will continue to report the delinquency for each loan. 
When all is said and done, while I did agree to co-sign on XXXX loans for my sister prior to XXXX, I did not authorize my endorsement for the private student loans taken in XXXX and XXXX. Also please let it be known that there is NO pending litigation on this dispute.
I'm concerned. I just got this letter from Navient. Before proceeding I want to ensure it is legitimate & that good faith & honesty will be integral to our communications. I did a web search & found that there are outstanding lawsuits against them. Also, I don't have the means to do more than chip away at this debt. I'm XXXX, XXXX XXXX XXXX, & on XXXX. If my XXXX were taken away or significantly reduced, I wouldn't be able to survive. Presently I receive {$1200.00} per month. I'm willing to pay as much as {$50.00} per month, knowing that will only chip away at the principal. Unless I come into some money or live surprisingly well beyond my normal life span as a XXXX, XXXX XXXX XXXX man, I will pass on before making any serious dent on this debt. Please advise me. Can I possibly negotiate with them in a productive, constructive resolution of this matter?
In XX/XX/XXXX and XX/XX/XXXX somebody was using my social security number. I use to have XXXX negative accounts, and I disputed all accounts and my fico score use to be XXXX with Experian and now I have XXXX negative accounts with Experian and my fico score is XXXX. And I want your help to bring my fico score higher. Also, I was a victim of identity theft. And this year I bought a house and my fico score with XXXX credit vural, and my fico score is XXXX. XXXX credit vural is XXXX, and with Experian credit vural is still very low at XXXX. XXXX XXXX XXXX XXXX
I sent this letter to Trans Union on XXXX/XXXX/XXXX and nothing has happened.These collections still remain on Trans unions report but the other agencies have declined them.Per the Colorado State statute " at that time '' violations had to be " personally '' served to you. Service by mail was not applicable so Therefor no service no collection. Colorado statute 42-4-110.5 I maintain that I do not owe these collections and the other credit agencies agree. I would like Trans Union to remove these collections from there report as they are damaging a otherwise perfect credit score. 



Trans Union XXXX/XXXX/XXXX Re : XXXX/City of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Co. XXXX XXXX Tickets : - XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I originally disputed this collection with you on XX/XX/XXXX. Since it has been supposedly investigated by you 3 times. I believe your investigation process is inadequate and on each time the The City of XXXX, Co simply states that I owe the debt but they and you will not provide me with the date of service. Per letter of XX/XX/XXXX I have to be personally served. That does not include being mailed a copy. If I am not personally served with in 90 days of the supposed infraction the ticket has to be dismissed. I have asked Trans Union numerous times to provide proof of personal service, the date served and or mailed, and served by whom. I would need copies of that. Trans Union simply asks if the debt exists but not if it is valid. 
The City of XXXX Co. has obtained a judgment against me in all XXXX of these tickets because I refused to go to their courtroom to discuss citations that had already exceeded the 90 day rule. At that time the tickets where null and void and there should be nothing to discuss. I never responded to any correspondence and they have no proof that I received any correspondence. 
# 1- I am again asking that Trans Union remove all XXXX of these collections from my credit report. If they initiate another investigation I am wanting the proof of service supplied to me so the debt can be validated or not. 
# 2- I am requesting that Trans Union indicate on my credit that I am disputing all XXXX of these collections. That is my right as a consumer. 
Thank You
Our complaint is about Trustmark Bank, XXXX XXXX Our parents created a living trust several years ago ; our mother passed away 4 1/2 years ago, then our father suffered a XXXX approximately 1 year ago and passed away a couple of weeks ago. The provisions of the trust allowed my brother and me to make all financial decisions ( power of attorney while he lived, co-trustees after his death ). Trustmark Bank has refused us access to the money which he had saved over many years, specifically saved to take care of him. They said " we do not accept '' trust documents. Documents which were notarized and filed with the court. 
We are fortunate that we had other financial resources and were able to care for him until his death. We went to the Trustmark branch in XXXX, XXXX after his XXXX approximately one year ago and received nothing but contempt, even though the terms of the trust allowed us to make decisions upon his incapacity. They acted like we were trying to steal his money -- highly insulting. We decided not to sue them since the amount of money was not significant. After his death my brother and I went to the same branch and received the same -- give us the trust documents ( which we have now submitted 4 times ). The lady refused to look at the trust documents, saying she had to get a ruling from " Legal ''. Note that the bank accepted his deposits under the terms of the trust, which were submitted at the time of account opening. 
When asked for a time frame, she said it might be several days or several weeks. Although we were fortunate to have financial resources to care for our father, now deceased, we are concerned about others who may not. We recommend a full investigation of all trust accounts accepted by Trustmark over the past 20 years. This is not an isolated incident ; I discussed our estate settlement with a friend who also said that Trustmark was the largest obstacle to settling his family 's estate.
A background check was requested by an employer. ( XXXX ). A person 's name ( XXXX XXXX ) appeared on this report as an alias and I have no knowledge of this name. I called to report the error to XXXX XXXX XXXX and they said they could not provide the source of this information and it was a common occurrence. I called again and said I have the right to file a dispute on this item. I was told no one was available in that dept and I could leave a message.I emailed them and received a response which did not address the concern. 
Back Ground Reporting Agency : XXXX XXXX XXXX XXXX. XXXX | E : XXXXXXXXXXXX XXXX Thank you XXXX XXXX
in XX/XX/2018 I was contacted several times by Nelnet, regarding my student loan. after speaking with them they offered me a forbearance for another 6 months to a year, had me fill out paperwork, I did, faxed back, and in 2 weeks received more phone calls from them asking why I haven't made a payment. I explained that I sent paperwork in for the forbearance, and they said that they never received it, so they had me do it again. 2 weeks later I started receiving phone calls from other companies about my student loan that I don't recall giving my information to, then 4 days later I received my credit report that had indicated that I was late on my payments by up to 120 days or more, thus lowering my credit score up to 120 points. I attempted to call in and resolve the matter but was met with arguments. 
I also noticed that the total amount is always going up even after I had made payments that were more than the minimum payments to cover interest, as always I keep trying to call and get things corrected but I get no help, my credit report is everything and these people have tarnished it
I have disputed this account several time the same account is reported   XXXX   on my credit report
We have our house under contract to sell with a closing date of XXXX/XXXX/2015 and have been attempting to get a payoff from Greentree/Ditech since XXXX/XXXX/15. Through multiple emails and daily phone calls from the title company and ourselves, we can not get any resolution. Despite having names and employee ID numbers, when we reference these that person is always " not in this department '' or is unavailable. We were told on on XXXX/XXXX/15 that we would have a payoff no later that XXXX/XXXX/15. When the payoff did not arrive, we were told that we had never been told that, and in fact they had not had any prior conversation with us. We asked for them to pull up the copies of the recorded conversations, ( per their own statement before you talk to someone that all calls are recorded ) and not surprisingly, they do n't have access to them and they are only kept for a couple of days. Today 's story from Greentree/Ditech when we called them went as follows : " The request has been sent to the regional office and we are waiting for it to come back. ". The representative for Greentree/Ditech went on to say that they can not check on the status of the payoff at the regional office because they have no way to communicate with them. They have hundreds of regional offices and no way to call or email them. Sounds like nothing but avoiding to provide us with a payoff. Our mortgage is and has been current with them despite what feel like their attempts to have it in default. Amazingly they never putting the amount of payment due on the statement, if one comes at all. Previously when we foolishly mailed payments they were inevitably " misplaced '' and not posted right away which we learned very quickly so we then paid it over the phone with their company and happily paid a {$12.00} fee to know our payment would be posted immediately. Since then we have had it processed through our bank 's bill pay and have not had any posting problems. At this point we are having to pay {$880.00} to extend our buyers lock to hopefully not lose the deal over their refusal to furnish us with a payoff on our home.
We purchased our home on XX/XX/2018. We had enough money to put down 20 % and avoid PMI. The closing process required two site visits by an appraiser, the last of which was completed on XX/XX/2018. During the mortgage application process, the value of our home decreased by {$2000.00}. Our lender told us that if we still put down 20 %, our closing costs would increase by {$900.00} from the original quote we received. We were told that instead, we should put down 19.5 %, save on closing costs and pay one month of PMI. After one mortgage payment we were told we would reach the 80 % LTV required to cancel our PMI.

We made our first mortgage payment timely on XX/XX/XXXX and attained an LTV of 80 %. On XX/XX/XXXX, I called LoanCare to request cancellation of our PMI. I was told that I would have to pay PMI for 2 years before requesting cancellation. I researched the Homeowner 's Protection Act of 1998 and confirmed that we met the requirements to cancel PMI. So, I emailed Loancare to provide an official written request to cancel my PMI on XX/XX/XXXX. I received an automated reply that assured me a customer service representative would respond within 5 business days. On the seventh business day, I had not heard anything, so I called LoanCare. I spoke to someone in customer service who told me that my request had not been completed yet, but someone would be in touch within 3 business days. I called back on XX/XX/XXXX and I was told that someone would respond to me by XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Loancare stating that I met the LTV but I needed to pay {$100.00} for a BPO before my PMI could be cancelled. I called Loancare on XX/XX/XXXX to ask if they would accept my appraisal, which is much more in depth than a BPO and was completed less than three months ago. They told me no. I asked why I would be required to pay for a BPO when I had a valid appraisal and they told me it was not their requirement, but my mortgage holder, XXXX. They told me to call XXXX, so I did. On XX/XX/XXXX, I spoke to a XXXX   representative and told him my challenges. He told me the policy was not XXXX XXXX, but it was instead Loancare 's policy.

I have tried to understand the policy related to cancelling my PMI. I have been patient and I feel like I'm not getting anywhere.
On XX/XX/2019 I opened a checking and savings account at my local chase bank. The lady that assisted me Told me that there was a possibility I could get denied after she submitted my application. I was accepted when she submitted the application and deposited {$250.00} into my new checking account and {$50.00} into my savings account. I left the bank happy to have opened a new bank account. Today which is XX/XX/2019 I  tried logging into my bank account and was denied. I called the number offered and was told that my account was being closed due to unspecified reasons. I spoke to multiple people trying to figure out why this happened and if it could be reversed and to no avail they said it was irreversible. My problem is that I was never made aware of the possibility of still getting denied after I was approved. I would have never deposited the amount i did had I known this was a possibility. Now my money is unavailable and to me which is a major inconvenience as I have bills to pay. This was a very unprofessional way for the company to handle this situation.