WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX i purchased my house for {$820000.00} ( firs time home owner ) and later on i found out that is only worth less than {$400000.00} I want some one to investgate this as is very unfair that i have a loan for over {$800000.00} .. I have attached XXXX XXXX document stating the value of the house, XXXX from the year XX/XX/XXXX and XXXX from XX/XX/XXXX. Please open an investigation ASAP
Gradated undergrad in 2007, into the recession. Could not find a stable good paying job to keep up with my private loans. My private loans where sold to XXXX in which XXXX sold them to another collection agency. I was contacted by ERC in an attempt to collect the debt, and they wanted to settle for what was the balance of my all my private loans at XXXX. I agree and borrowed more money to pay the debt that was agreed for XXXX, but ERC Lied and allocated the funds to other accounts that were NOT discussed and changed the parameters of the settlement without notifying me prior. It was only after I had paid them, that they sent a cryptic letter saying what account the funds had really been allocated too, thus furthering ruining my credit score and lying. IS THIS LEGAL.
I have filed a complaint and have been denied to talk to management. I have been told to wait 2 days for a call for management. I suppose to be protected from liabities of fraud. Im writing you with a negative XXXX account. Documentation and Police Reporr that hasnt been verified. Im looking at my children that are hungry and still no Manager was notified in my crisis. 

I had a XXXX ams had XXXX XXXX XXXX. Im unaware of what transactions happen from XX/XX/XXXX to XX/XX/XXXX. My passwords were changed My phone, license, social security, debit cards, amd cell phone with electronic wallets are missing. 

I had a deposit of XXXX on XX/XX/XXXX I noticed when I got discharged from the hospital my balance was XXXX dollars Today its is negative. I started calling customer service since XXXX and now at XXXX cst Im still on hold. I have been refused management. I was this morning I was going to get a provisional credit and now told this phone call doesnt exist I have been refused a full investigation. I have been talked to horribly. Im begging for help because my children need to eat. I have to pay for shelter. 

I just asked a resolution specialist how would you feel about this situation. She says dont bring my children in this. I filed an OCC COMPLAINT due to I put money in a bank for this emergency Im a single parent and cant give breakfast in the morning. I wasnt given the opportunity for a full investation. The disputes range up to XXXX and still counting.
After reviewing my credit report I found that this fraudulent item was placed on my credit. at the time this item was establish XXXX. 

Account name XXXX XXXX XXXX {$4700.00} is a fraud item
My mortgage was bought out from XXXX by carrington. My family had a few bad financial months, and fell behind on our mortgage. I kept in touch with them and tried to make numerous XXXX payments in which they did not put towards my account, it went into a " holding '' account ( which I did not know ) when I called to make another payment they would not accept unless it was the full balance owed. I started saving money and calling weekly to make sure it would not be foreclosed on so I could pay the full balance. I finally had the total amount due and called to make a payment for my delinquent months. ( I had just spoken to a rep XXXX days prior ). They informed me that my home had already been sent to a foreclosure attorney a week prior. I explained that this could be true because I had just spoken to a rep XXXX days ago and I could make the payment. Long story short after the supervisor listening to her employee tell me all of the wrong information and that I had a few more days to pay and even saying wait till the XXXX month and pay that also -- that I would not be in threat of foreclosure she assured me that her employee did need more training and made a mistake but it would not change the fact that my home was in foreclosure. So now they will not take my payments and I have to pay reinstatement fees even though admitting her employee was wrong and gave false information. Now I am in fear of losing my home all because I relied on the workers to give me accurate information.
my mortgage was schedule to pay via bill pay from bank, received package from mortgagor asking to submit ACH, went online and submitted all ACH information, payment was supposed to start after XX/XX/XXXX payment, but XX/XX/XXXX payment was drafted despite bill pay was delivered & posted, contacted lender that this has happened ( lender do not have curtsy to notify their error ), they want to send complete bank statement and wait for 8 business days, they said there will be no payment will be due & drafted for the month of XX/XX/XXXX, loan statement received also states the same thing BUT surprisingly XX/XX/XXXX payment also drafted! so they have been recovering payment in advance for almost 60 days! Called the lender again XX/XX/XXXX employees were so arrogant and blunt and would not process the request and would not answer any question and keep arguing, asked for Supervisor - same response, asked for supervisor`s supervisor and explained the problem that lender has created, as they are charging me interest they should pay me interest for their error & refund me extra payment immediately that is the resolution I request. Improve their process to avoid duplicate payment and train their staff to response & handle such situation more professional manner. 
Employee # XXXX- not helpful, Employee # XXXX not helpful. Employee # XXXX helpful obtain info and assured work on request but no resolution.
XXXX and XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX
I have paid my account to XXXX in full as of XX/XX/2018. XXXX, XXXX XXXX ( their lawyer ) and all three credit report agencies are not updating my credit reports to show this is a satisfied debt. The CRAs said I have to contact XXXX to have it updated. I contacted XXXX twice by mail with proof of payment from my bank and proof from my letter from the lawyer that it is satisfied. XXXX sent me letters saying its correct on my report. No its not. Its still showing as a collection account. Its paid. Plus its showing under XXXX and XXXX XXXX XXXX as a bad debt!
XX/XX/XXXX we notified XXXX XXXX of our intention to disconnect services to our home. 

We received an invoice from for XXXX XXXX {$420.00} I called and spoke to XXXX customer service agent XXXX on XX/XX/XXXX. She noted that she had reviewed my account and would submit an adjustment for {$420.00}. XXXX said my account is closed and I owe no money to XXXX. 

I then received a call from a collection agency saying I owed XXXX XXXX. 

I again called XXXX XXXX customer service at phone number XXXX xtn XXXX and spoke to agent XXXX who reviewed my account and she said see saw my prior call with XXXX. XXXX reviewed my account and again stated she had made a {$420.00} adjustment and a {$5.00} security deposit return to make my balance owed as XXXX. 

I then received a letter from Credit Protection Agency whom I called and told them XXXX started I have a XXXX balance. They told me they showed I had called to dispute the charges and they had contacted XXXX on XX/XX/XXXX who stated I still owe {$420.00}. I gave them names and days of XXXX employees and they said there is no thing they can do as they are only " allowed '' to dispute the account once. They refused to try contacting XXXX to clear up the issue. 

I then called XXXX XXXX to XXXX service and spoke to XXXX who said she sees the notes I offers happened and that she could not help me at this point. I asked to escalate and she transferred me to XXXX Supervisor in Collections with badge number XXXX who said he reviewed my prior calls and also believes I owe no $ to XXXX but said there is nothing he can do. He said he can not call the collection agency once it was transferred to them and it was likely a system error since he sees the notes of my supposed resolution with several customer services agents over almost a year. So XXXX transferred me to XXXX who reviewed my account and validated my prior actions and said she said there is nothing she can do. I asked to speak to an executive and she transferred me to XXXX who stated it appears I was potentially overcharged fees since I last paid on XX/XX/XXXX for services from XX/XX/XXXX to XX/XX/XXXX and services were disconnected on XX/XX/XXXX. XXXX said the debt was sold to the collection agency and there is nothing he can do to help resolve this issue.
The problem is with tjx Visa card under XXXX XXXX First the  represanative are rude unwilling to do anything when I talk to them it feels like I am talking to the robot Michine. 
They also tread the customer like a criminal. 
Second their automative is very XXXX doesnt respond correctly and doesnt understand me when I want to make a payment and payment through customer service they charge {$10.00} My XXXX statements didnt get to me snd my XXXX statements my neighbors brought it to me which I assume my XXXX statements also was put on the wrong address. The mail man make this mistake sometimes if he doesnt pay attention because there are at least 15 21 in this  community but under different street name The credit card charged me {$25.00} and {$35.00} Is this ok??????? 
Or its high way rubbery {$60.00} Just late fee Third problem is there are charges to my account thats not mine and it should be disputed and diducted from my account. 
Charges are from XXXX
Today XXXX/XXXX/17 I spoke with a representative regarding the deletion of unauthorized inquiries on my Equifax report. The XXXX inquiries are from XXXX XXXX Bank and XXXX Bank. The XXXX are listed twice from each creditor that I did not authorized. The representative told me I had to call the creditor to send an electronic verification to equifax. So I called to speak with the representative and they told me that equifax should be able to delete them. I called back to speak with a representative of equifax and she told me that she could not delete the unauthorized inquiries.
Every Year Equifax says credit reports are not available at this time online. They want you to mail in a bunch of personal information to obtain your report. This is unacceptable! I do believe they are required to provide me with my credit report with out jumping through all these hoops, the other companies do not require these ridiculous requirements. I want my free annual credit report from Equifax emailed to me at XXXXXXXXXXXX or mailed to me at XXXX XXXX XXXX XXXX XXXX WA XXXX Thank you sincerely XXXX XXXX XXXX
I obtained a credit report for the purpose of taking out a mortgage on XX/XX/XXXX, I was notified that I have two late payments reporting from American Honda Finance in XX/XX/XXXX and XX/XX/XXXX. This surprised me since I set up automatic payments with American Honda Finance. I have tried multiple times to discuss this with them to have this corrected. I have fallen on deaf ears. This greatly impacts my credit worthiness.
Hello. This is not a debt. This bill was paid to XXXX in XXXX XXXX. What happened was they said they would send me a check for the balance they owed me because I cancelled my service, and it was pro-rated. I was not under a contract. That was in XXXX XXXX. I waited and waited, but no refund ever came. I contacted my credit card company in XXXX XXXX, and they reversed the original XXXX payment back to my card. Then, the next day, I received a check from XXXX in the amount of {$38.00}. I was like fantastic. I called my credit card company back, and told them to re-charge my card with that amount, that XXXX had issued me a credit. They did, and I thought everything was taken care of. Then, in XXXX XXXX, XXXX sent me a bill for that same amount, {$38.00}. I called them, and they had me basically transferred around to about 10 different people. When I did speak to them in XXXX, I was told that XXXX does not give refunds to customers for services that they do n't use when they cancel their services. '' What this meant was they bill you an amount, and if you cancel, even after 1 day, they keep your money. I sent them proof from my credit card company, statements. I even had XXXX XXXX XXXX on a 3-way call with XXXX, and they said a supervisor would call me back. It 's been 12 months and counting. I paid this bill. I have the proof, and XXXX, nor the XXXX other nasty credit debt collectors would listen to me or look to see that I paid them. Now, this balance has been passed to a 3rd debt collector with a 'settlement amount '. I do not owe this money. Thank you.
I called Macy 's American Express three days before my bill was due because I noticed that my automatic payment had a duplicate payment scheduled to come out of my checking account. The customer service representative assured me that only one payment would be coming out on the due date. 
Today, when I checked my checking account, it showed that two payments of the same amount ( double what was due ) had been taken out of my account. When I called Macy 's American Express to have one of the payments reversed, they told me it would take 5-7 days for it to be refunded. I then told them that I was counting on those funds to pay my electric bill, the rep, placed me on hold to speak with her supervisor. When she came back, she told me that they could mail me a check or refund it to my account in 5-7 days. Either way, I have had MY money ripped from my account without my permission!! Very frustrating! I requested that my account be closed and the overpayment be refunded.
XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never applied nor sign any papers regarding employment with this company. This showed on my inquiry of Experian on XX/XX/2018. This is no more than fraud with out my consent.
Barclays Credit Card has an unpaid account and its ruining my credit. I never knew about the account, I never received a credit card, I never received bills from them, I never knew it existed until I ran my credit. I 've contacted them several times they will not give me the account number they will not let me have the invoices for the charges. I do n't have any credit cards on my report that I 'm not paying on. I certainly would n't have a {$500.00} credit card and not pay on it. But here I am fighting for my credit and they are charging me {$670.00} they closed the account for non-payment because I never knew about it. I just want it deleted from my credit report asap.
I was recently pre approved for a XXXX credit card then I got a letter in the mail stating " We regret that we are unable to open an account due to lack of existing credit information on your report based on report obsessed by Transunion either this company XXXX is lying that they checked my credit report or they were given false information on me by Trans union I would simply like for this Inquire to be removed or be sent a report of information provided to XXXX XXXX XXXX Application # XXXX
I had Chase credit card that mothly payment charged me XXXX $ of which XXXX $ was interest only.After a year I had with a help of my husband paid off card in full which was a balance paid in full as of a last statement in XXXX.I loged in to check my balance which I thought was XXXX but Chase had charged me XXXX $ again as a balance.I think this is wrong because I paid off what my cutent balance was.I called chase and got nothing .I am not anfirst person that they did this to.That is a lits if money to us but not to Chase. 
Thank you
While reconciling our bank statement we found checks were drawn on our account using our routing and account numbers. The checks were made out with other companies names and fraudulent signatures. We notified our bank who gave us credit for the loss. This was later reversed because Bank of America would not repay them for the check fraud. Bank America sent a letter stating that they would have to have been notified within 24 hours of the fraud. This is ludicrous as we are a business sending out checks daily. We had no way of knowing that this fraud was going on. Bank America quoted reg CC in their letter. Is this a federal regulation? We did not issue these checks, or sign these checks. They are not in our companies name. How come we would be responsible and not the Bank?
As of XX/XX/2017, the new law states that no public records, civil judgements or tax liens will report on your credit report. I have contacted each credit bureau regarding the new law XXXX removed the public records however Equifax   and XXXX  still will not remove the public records from their file.
On XX/XX/17 I received an email notification from Capital One confirming if a XXXX purchase on a credit card was valid.  I asked my husband about this since it is his credit card and he then realized that he lost his wallet.  I then called Capital one immediately and told them that the credit card was lost.  I check another credit card and that also had a XXXX charge of over $1000.00 on it and called XXXX XXXX and told them about it.  I also called XXXX XXXX and XXXX XXXX to notify them of it.  No charges were on those two.  Only unauthorized charges were on the Capital One and XXXX XXXX.  Capital one put a hold on the charges back inXX/XX/XXXX and reverse the charges.  I received two letters dated XX/XX/17 on XX/XX/17 from Capital One stating that they did not find any indications of fraud and it now charging us the XXXX that wants us to pay for it.  I called on XX/XX/17 and spoke with someone from Fraud department and they said that only the person who handles the case can re-open it.  I left a voicemail message on XX/XX/17 and was told I would get a call back in 2 working dates.  As of today XX/XX/17 I have not received a call and call back and left another voice mail message and hope that they would call me back.  I am filing a complaint now so that someone can help me out. The Fraud person I spoke to on XX/XX/17 stated that it could not be a fraud because the credit card machine was a chip card and it could not have been a counterfeid.
I have been writing and complaining about my loan with Rushmore management. All of a sudden my monthly payment went up from XXXX to XXXX dollars. They said it was due to taxes and escrow. I objected and said I would rather pay my own taxes for which I made a XXXX dollar payment to VA department of taxation. 

Calling Rushmore is useless. The people who answer are either in the XXXX or elsewhere. Each says something differently. In the month of XXXX I was in XXXX, CA and even though I had asked whether Rushmore had an office there, on the phone they told me it is just a PO Box . Well, I went to a building and No it was not a PO Box but a few story company there. I asked to meet someone. Finally a lady by the name of XXXX XXXX came and I talked to her at length and told her of my grievances. I also paid an amount of XXXX which had remained from the XXXX dollar payments i had made. I also told her that I think it is absolutely ridiculous and highway robbery that after making nearly 2000+ a month since XXXX on a loan of XXXX, I still owe Rushmore which is now the new lender or service loan XXXX plus some XXXX in late fees!!!!! I have paid over the years more than XXXX on this loan and still owe apparently XXXX!!!! How much do these people want? 200 percent on their investments? or XXXX?!!! 
I have asked in various letters and complaints that I want this balance down and the monthly payment to be reduced to an amount that I can afford. I emailed Ms. XXXX two times since I met her and have left her 3 messages on the phone. She has not even bothered to return my calls. Ms. XXXX also told me that Rushmore is changing the amount to a lower amount as I paid the taxes. But what I get is the same amount and in fact the last statement was for 5000+. I want a total change on this loan and I want Rushmore to provide answers and return my calls. Otherwise, they are considered UNPROFESSIONAL.
I am requesting valid proof of the alleged item. Additionally, I 'm requesting the original contract or document with my Name, Address, and  Signature.  Also, the Name, Address, Telephone number, and signature from the original creditor  XXXX   XXXX   XXXX  University  . If  the requested documents can not be produced. Please delete the item in question from All Credit Bureaus. Please see attached document for the items requested.   Thanks ...
I never had any agreement with XXXX XXXX XXXX ; I have reported this to XXXX with no resolve.
In XX/XX/XXXX, we were granted a disaster forebarence. I was told it was my choice to modify or do a forebarence at the end of the 3 months. In XX/XX/XXXX, I received a letter stating I wasnt eligible for a modification. The 1st payment was due XX/XX/XXXX. I was told I had to pay basically {$5000.00} ( 4 months mortgage payments ). XXXX ( old servicer ) told me FHA wont allow a modification if it causes my payments to increase. After 2 months of arguing they agreed to do a modification. After I sent in all requested documents the loan was transferred to Freedom Mortgage. I have been going back and forth with Freedom Mortgage since XX/XX/XXXX. I have sent documents, they request the same documents stating what they have is outdated. I was told they are asking for documents required by HUD. I made a HUD complaint so I have a direct point of contact, she told me all HUD requires is proof of income before the disaster. I keep waiting 30 days for underwriting to make the adjustment but I keep getting letters and/or calls asking for more documents, that they havent received the documents. Today I got a letter saying if I dont pay {$4000.00} by XX/XX/XXXX, that they were going to start foreclosure proceedings. This needs to be rectified within the next 5 business days. I am in the process of refinancing and if the new company contacts Freedom for a mortgage statement and they report that I am past due 3 months, I will sue! This has been going on for 4 months! I was apart of a disaster relief program, I should not be treated like this!
received credit report on XX/XX/2018 for XXXX XXXX XXXX XXXX XXXX XXXX, had a credit report of XXXX, but my last name was misspelled. as was my wife 's. My last name should be spelled as XXXX Reported as : Consumer Credit Score Source Date XXXX XXXX XXXX, XXXX Transunion XX/XX/2018 XXXX XXXX XXXX XXXX Transunion XX/XX/2018 Please make the following corrections : Change last name from XXXX to XXXX. Thanking you in advance.
I'm getting continuous calls at least 5 times a day or more from Tower loan, they are harrasing me and my grandmother with the constant calls. They call from strange numbers everyday trying to reach me and one of the  worker 's also came to my home and left a note on my door i am being harrased for a loan im struggling to pay back.
I disputed a negative account on my Equifax credit report where I was a authorized user only and not responsible for payment XXXX and XXXX  deleted this account from my credit report with them but Equifax refuses to do so