WillisBack/dataset-financial-user-claim huggingface dataset:
Earlier this year my VA Mortgage was transferred to Carrington Mortgage Services for unknown reasons from XXXX XXXX XXXX. I elected to refinance with Carrington and was assigned to XXXX XXXX ( Loan Officer, Regional Sales Ctr. Inside Carrington Mortgage Services , LLC ) back in XXXX of 2015. The refi had changed from cash-out to streamline throughout the process and after many failed attempts of attempting to get a hold of her and her supervisor ( XXXX ) I elected to start searching elsewhere after several misleadings by Carrington as a whole. For instance, XXXX left a voicemail for me on XXXX XXXX stating, " please give me a call wanted to find out if you 're going to be available for a closing we finally got the exception we needed ... '' I finally contacted XXXX approximately one week later letting him know that I would no longer be closing with them and that I 've elected to utilize a different company. XXXX stated that he would close out my application and in the mail I received a, " Statement of Credit Denial, Termination, or Change '' stating " Application Denied. '' I find this to be gross misconduct and misreporting on the bank 's behalf and request that appropriate actions be taken. 
Throughout the time that I was dedicated to the process with XXXX and XXXX there were numerous other ill-conduct actions on their behalf, such as in an e-mail on XXXX where I am told, " ... to not make your XXXX payment ... '' and on XXXX am told that I had to make that payment and that I misunderstood what I was told. In the early part of XXXX I am then told that the rate lock had expired and that my rate was being increased from 3.825 % to 4.125 %. I disputed that and it was brought down to 3.875 % as supposedly there is no 3.825 % which I had been signing papers for from the beginning.
On XXXX XXXX, 2017, I received a {$35.00} overdraft fee in my Bank of America account due to a withdrawal mistake ( funds were withdrawn from the wrong account ). The bank did not send me an alert until the following day, even though I had set up my account to request alerts when insufficient balance conditions would happen.
Last year, Barclays bank agreed to waive ann ual fees on my Black Card, Gold Card and Jet Blue c ard for the duration of my presence in the military. A few weeks ago, they 've sent out a letter revoking this agreement and have started charging me annual fees. I do n't believe this is fair or just.
Received Letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Home Improvement Account ) thru Citi Bank issued cards stating that they were lowering Credit Limit to {$7200.00} from  XXXX Derogatory public record or collection filed Ratio of revolving balances to credit limits too high Proportion of loan balances to loan amounts is too high Too many inquiries in the last 12 months I obtained the same report as they did thru XXXX XXXX XXXX XXXX I call XXXX & Credit Card company ( Credit Card Company would not commit on which reason listed above was for the decrease in line. They dumped it on the Equifax credit profile as what the reasoning for the Decrease. Equifax has nothing to do with lower my credit card limit. They only report findings & it is up to the Bank issuer to do what they want with the report!!!! 

About my Credit Report : My Discharge Bankruptcy was on my Credit Report when I initially took out the Home Improvement loan. 

No other Derogatory or collections open then or NOW I had ( 3 ) Inquiries in ( 1 ) year & nothing recently Ratio of revolving balances to credit limits too high -- - NOT TRUE nothing has been opened since this Account opened, and all outstanding debts have been paid as agreed and the Home Improvement was PAID initially in XX/XX/XXXX with {$3000.00} towards open balance which PAID THE LOAN DOWN CONSIDERABLY. So I have paid loan down far better than minimum payments!!! 

I feel I am unfairly being treated under the Fair Credit Lending Practices!!!!
I received a letter from a AFNI stating that I owe them {$410.00} for XXXX. I have no knowledge of this account. I mailed a letter to AFNI on XX/XX/XXXX asking them to VALIDATE not VEFIRY this dent that claim I owe them or XXXX. The attached letter is the only document they sent me. I sent a second letter on XX/XX/XXXX requesting that they please VALIDATE this debt they claim I owe them or remove it from my credit report immediately if they can not provide me with suffice documentation. They in turn sent me the same document again. The letter states this is VERIFICATION and I have asked them for VALIDATION that I owe them this debt in which I do not.
I was double billed for a TV I purchased on-line from Walmart. The original item was a XXXX In XXXX TV, which was the wrong size, since I ordered a XXXX in XXXX TV. As the XXXX person delivered the wrong item, I immediately gave it back to return to Walmart. On XXXX XXXX, 2016, XXXX of Walmart told me they are issuing a credit for {$400.00} to my account. She gave me a Reference # XXXX for this credit and went on to tell me that the credit for {$400.00} would be applied and would show up on my next month 's Walmart. They did not do as they promised. I followed up with Walmart on XXXX XXXX, 2016 and they gave me a different story. This time they told me it would take 30-60 days to resolve this dispute. As of XXXX XXXX, 2016, I 'm still fighting with Walmart to remove the {$400.00} charge from my account. Simply put, they billed me twice for the same item.
On XX/XX/2018, I received a debt collection notice from XXXX XXXX, ( XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, MO, XXXX ), on behalf of XXXX XXXX XXXX XXXX XXXX. Within 30 days, I sent them a certified letter stating that I dispute the alleged debt and requested that 1 ) they communicate with Novant in order to verify that this situation had been resolved. 2 ) to stop communicating with me in any way until they had contacted their client and verified that my dispute was legitimate. In the meantime, they have violated federal law by sending me another letter, ( dated XXXX-XXXX-2018 ), requesting that I contact them, stating that they " need additional information from me '' and wish to " discuss the account ''. It seems to me that they need to communicate with their client and verify their information and that they do not need to communicate with me until doing so. I am filing a complaint because I believe that XXXX has violated the Fair Credit Reporting Act by communicating with me before it has even verified the alleged debt they say I owe.
I paid for my home in full on a 20 year note. On the last payment I was told I still owe XXXX dollars. My mortgage was XXXX payments. Principle and interest fixed for 20 years. Now Chase bank never in the time I had them told me of a shortage in my payment amount. They even sent me a check for {$1800.00} dollars in XXXX. No fees on any statement. They claimed I had on my original mortgage an interest rate of 13.7 % day to day interest which I never heard of. Chase NEVER informed me of a shortage in my payments that would make them take the bulk of my principle for their interest portion. Chase benefited by me not knowing that all the principle I was paying was not going where I thought it was going. Chase allowed this money to accrue for 20 years. I requested a copy of my mortgage 3 times. They just ask me to hold on the phone and never come back. I even gave them my cell phone number if we get disconnected. Still no call back. My original mortgage was XX/XX/XXXX, loan maturity XX/XX/XXXX. If this interest rate was as they say, I would have changed it years ago. The interest was crazy. I wanted to pay it off, so I left it. I believed I had a FIXED rate. The bank is trying to extend my payment maturity date. I signed up for 20 years only.
The accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ( Original Creditor : 08 XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Equafax : I have tried to place a freeze online and receive a response that I have to send a written request, with no explanation about why I can not do it online at their website. I have also twice signed up online for their free monitoring service and have not received the promised email to complete the process within the allotted 3 days. I called their number on their website for help and received only the " canned '' response in their public statements and no help in placing a freeze or getting the monitoring service. The agent had no access to my information! Some help!
I applied for a Chase credit card and was denied based on past bankruptcy information stored on their database. I filed bankruptcy in XXXX. I was advised by the Chase representative that my social security number was " flagged '' as bankruptcy on Chase accou ts. Chase Bank acquired accounts from Washington Mutual ( WAMU ) during a XX/XX/XXXXacquisition. I had a credit card serviced by WAMU, which I included in my XXXX Chapter XXXX bankruptcy. Subsequently, I was granted an approved discharge of debtor letter by the courts. My WAMU account was picked up by Chase upon acquisition, but after my BK discharge ( XXXX ). Chase converted my WAMU card into a Chase Slate credit card without my approval or consent so upon filing BK in XXXX on my WAMU card, Chase placed XXXX accounts onto their database ( # XXXX & # XXXX ) with account dates from XXXX & XXXX. These accounts should have never been picked up by Chase based on the fact that they are legally beyond the bankruptcy statute for consideration and the account was discharged prior to acquisiton by Chase, JPMorgan. I spoke with a representative to remove XXXX archived accounts without resolve. My attorney is deceased, but the Federal Records Center can verify bankruptcy discharge and list of creditors, which included my WAMU account
I called Chase Bank concerning the annual fee for my credit card at the end of XXXX. The customer representative said that my fee could not be waived but told me that I would have up to 90 days to close the account if I did not want to keep the card. When I called in on XXXX XXXX to cancel the card and get my annual fee refunded, they said that they were unable to refund the fee. When I told them that the representative said I had 90 days to close the account and get my fee refunded, they were unconcerned and unhelpful.
XX/XX/XXXX I applied for a refinance, I was told that XXXX XXXX XXXX had on my credit report that I have not been paying my Home Equity Line of credit. I have receipts as I go into the branch and pay. The Branch did not know why the mortgage department said I owe when there records say I am up to date ( I have the record the branch gave me ). I called the equity department on XX/XX/XXXX, they said the branch can't see what I really owe and that I was short on my payment for the last few months. I paid what I was told and was also told that within 10 days my Credit report would reflect that I don't owe XXXX XXXX XXXX anything. Just found out that XXXX XXXX XXXX has on my credit report that I owe {$49.00}. I asked where did that come from and was told XX/XX/XXXX. I am now told that they will not fix my credit until next month. They keep lying and lying and charging me every time I call. The Branch can't help, they don't know what to do either. I feel as I am being held ransom by XXXX XXXX XXXX.
Payments sent each month to vendor : XXXX XXXX to XXXX XXXX XXXX, XXXX, CA XXXX before date ( due XXXX of month, sent by XXXX of month ). In XXXX no billing, telephone call 1 week later of no payment ( said mail returned - I do not believe ) sent Post Office Money Order same day Priority 1 day mail with tracking. Call today money not received - late fee is now applicable ) Checked USPS tracking : Money Order delivered XXXX Post Office Friday XXXX XXXX, 2016 at XXXX. Telephoned back Worker argued not there therefore what do you want me to do? Asked me to call back in 3 days. Explained tracking has money order there and I am NOT responsible for when they pick up mail. Asked for Supervisor who took tracking number, money order serial number and amount and said she would reverse late charge. I am afraid they will continue to do this to accrue late charges and late fees for saying that they did not receive payments. I send money orders because they are a shady group and do not want to give access of checking account. No online access, and interest rate at 95 %. Trying to pay off asap. I believe they are cheating people giving late fees because they fail to pick up mail.
XXXX XXXX My card was stolen I reported to Bank of America & had card canceled Had conference With manager & was credited the false charges, However approx 2 months later my they debited my account {$470.00} the amount of my social security check all I had in my account, I called the card company & was informed an investigation? had reversed their decision without my knowledge or letting me know. It 's been around 4 months & I thought I had nowhere to turn for help then a friend told me about how cfpb worked to mediate the situation in his favor. 
Thank You
After checking my credit report back in XX/XX/XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency Helvey & Associates advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with Helvey & Associates - I am not liable for the collection of the debt from XXXX XXXX  as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. This has hurt me severely in regards to obtaining credit. Helvey & Associates states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX XXXX  ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Helvey & Associates has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
This is in reference to  a Costco card issued through Citi. At a Costco location, I needed to add myself to my business account which already existed. Instead of adding me to the account already opened, the issuing location erroneously/fraudulently established a separate account under my personal information, resulting in a separate hard credit pull, and an additional credit line open to me personally. I have attempted to resolve this with Citi o n  XXXX / XXXX / 17  at  XXXX . They said that they were  unable to reverse the hard pull on my credit. Citi advised me to close the account that had erroneously been opened in my name, helped me add myself to my business account, and encouraged me to contact the C FPB.
I paid XXXX XXXX on the loan, had paid in full many loans with XXXX XXXX. 
Had called XXXX XXXX for a settlement ; he said he was waiting for a figure from his supervisor XXXX XXXX. No letters to collect were ever sent to me. 

On XXXX-2018 XXXX XXXX arranged to have my XXXX XXXX repossessed. 
When doing so XXXX XXXX 's repo company/vendor with XXXX caused destruction toward my vehicle and stole items out of it. 

XXXX XXXX will not take responsibility for the damages.
Equifax tells me I have no credit file in their system. 

Since I am buying a new home, my mortgage lender pulled my credit from XXXX, XXXX just fine, but Equifax kept to fail. Then I contacted Equifax to ask this issue, they hang me up several times, and after keep calling for hours, one representative told me I do not exist in their system, which means my 5 credit cards ( XXXX, XXXX XXXX, XXXX ) have never report my credit to Equifax. This is totally impossible. 
Next, I contacted XXXX, XXXX XXXX, XXXX one by one, and every one confirmed to me they all report my credit to Equifax always and monthly. 
So, I contacted Equifax again. Equifax insists they never receive any credit file about me and insist my credit card banks are all wrong. I keep calling 4 representatives, and none of them want to help me solve the problem. One of representative said : " You can hang up and find someone else. '' Next, I try to do a dispute. However, Equifax only disputes for existing credit file. Since I don't have a credit file with them, they refuse to do dispute. 
Next, I try to fax Equifax my proof of identification and proof of credit card. Unfortunately, their fax machine keeps failing to receive the documents, the error is " transmission was interrupted ''. This is usually the receiving fax machine has a technical problem. 
Finally, I try to mail my concern and documents to Equifax. The mailing zip code that Equifax provided is not correct. USPS people kindly corrected the zip code based on the P.O. box number. 
I find people online saying they didn't hear back from Equifax mail for months. So I would like to submit this complaint to push Equifax to fix the problem.
Transunuon did not do their job properly. When they investigated XXXX and nothing changes I asked them for the numbers addresses and names they spoke to. And by law they are suppose to give that to me and they did n't. I explain to this company the situation of what happened and also sent a copy of lease and docs to prove my case but they still disregard it plus the reps were very disrespectful and barely helped. Along side the company moved the dates on when it was reported and that 's illegal. Transunuon needs to stop scaming through and do something about it.
This is additional information not a duplicate. My servicer has me documented as having a second mortgage on the papers he submitted to CFPB in response to my complaint. However, I have " NO '' second mortgage and " that '' is the money that is being disputed. If you look at the documents that I have already submitted you will see that my servicer has that same money documented as " deferred fees ''. However, I did n't notice this until after my response had already been submitted. My case number is XXXX
Chase is my mortgage company servicer and backer. I bought this home back in 2007, and within in 1 year I was upside down on my loan. I have tried to refinance my loan with chase, and have been turned down twice. If XXXX, or XXXX were my backer I would qualify for a refinance. Since I owe more than my home is worth, Chase has told me I need to make a XXXX payment, before they can refinance my home. What can I do? I do not have that kind of money, or credit to borrow from. The government has programs such as HARP, to help families in situations like ours. Why does n't Chase as the backer help its families like other backers? What do they have to gain, by taking our home from us when the day comes and I can not afford the interest payment. As is it I will never pay off the home.
I authorized a one time charge to my debit card in XX/XX/2016 to pay for personal training services for a friend. I was charged in XX/XX/XXXX and XX/XX/XXXX for these services. I disputed the charges with my bank. I received a copy of a contract that was signed. At no place did it have my signature because I did not sign or agree to recurring charges. My bank ( Bank of America ) told me that they would only refund one charge but would decide in the business 's favor in the other case. They told me to contact the business, which I did. The business told me they would accept any decision my bank made on these charges and they could not do anything on their end. 
Once again I did not sign anything nor authorize any debits for XX/XX/XXXX and XX/XX/XXXX. Attached is the billing dispute form which does not have my signature anywhere. I also did not authorize these debits.
I modified my house XXXX 2016 with Select Portfolio Servicing. through HANDS in Florida It was approved with a three months trial of which I had to call to get the this information, I told them that I will not pay any money until I get it in writing. I did it in writing for the trial period. 

The permanent document to sign, I did not get until XXXX 2016 dated in XXXX 2016. I have been paying my new approved mortgage every month since then, but they keep sending me threatening letters that if I do not pay the {$4100.00} which is the amount I was delinquent before the modification. Then, they sent a letter that coming next XXXX my mortgage is going to increase to $ XXXX. I can not afford this amount. They say there are debt collecting agency, and when I asked them prior asking HANDS of Florida, they said they were not in a position to assist me as they are debt collection agency. Yet when HANDS contacted them for the modification they were able to do it. I do not know what kind of mortgage company is this, gving conflicting information and so I would like your company to investigate them. Currently, HANDS are trying to work with them but to no avail. 

I would like if you could help me deal with this company which forever harassing me.
Equifax won't verify me unless I provide a credit report to them. 

I called XX/XX/XXXX to unfreeze my credit report. I could not do this online because when I froze the account in XXXX, they did not have an online account system in place. The customer service person proceeded to ask me for the usual info : name, social security number, address, birthdate, and Equifax PIN That was not enough to verify my identity. They asked me : - my mortgage company name and monthly payment amount - all the credit cards I have and the balances - whether I have ever had a bank loan in my ENTIRE life ; who the lender was and what the amount was At this point I got mad and asked to speak with a supervisor. While on hold, I went online and tried to set up an online account which asked me for my name, social security number, address, birthdate. 
I asked to unfreeze the account and, shazam, it was done. 
Then, the so-called supervisor picked up and I asked why they needed so ask me so much on the phone when the online account management was so much easier. Of course, she didn't even address my question, but continued her script and said that she didn't know but next time I should get a copy of my credit report before I called. 
Here 's my question : if my account is frozen, can I even get a copy of my own credit and if Equifax can't verify who I am, how can I get a copy of my report?
Chase accused me of fraud and closed my accounts in 2013. They settled the amount they say I owe with the IRS, who taxed me and counted it as income since it was a debt forgiven. However, it is reported with XXXX and they show no proof of my " fraud. '' I 'm now paying the IRS taxes on money they claim was my fraud and have still yet to prove it. I did not commit fraud and I have filed reports with XXXX and the FBI over the account activity they are blaming me for but it was not me and they have no proof. Therefore, they can not and should not be allowed to label me as fraud to XXXX and block my banking abilities.
According to equifaxsecurity2017.com, my personal information, potentially including name, birth date, address, driver 's license number, social security number, and credit card numbers, were publically disseminated by Equifax due to their extreme negligence. It is egregious that they did not take even the simplest security precautions to protect my information. This happened as early as XXXX and I was not notified until XXXX. Everything about this situation is entirely unacceptable.