WillisBack/dataset-financial-user-claim huggingface dataset:
After using XXXX to check rates for mortgage refinancing in XXXX 2017, I was contacted by multiple companies. One of these was XXXX XXXX. I was contacted by XXXX who requested some more information in order to give me a rate. I provided this information. He then stated that he would need to pull my credit in order to provide me an accurate rate. I said that I did not want my credit pulled. He then asked me why I did n't want my credit pulled, and I said because I was not really interested unless the rate would be less than the 2.75 % interest rate I already had. He was unable to assure me of that so we did not proceed. About two months later I received a letter in the mail indicating that XXXX XXXX had rejected my mortgage application and it was incomplete. I contacted the company to ask why I had received the letter, and they indicated it was because I had started a loan application. I said I had done nothing of the kind and they said they would investigate the situation for me. I then noticed on my credit report that Credco had information from XXXX XXXX, 2017 for an inquiry. I called Credco and they indicated XXXX XXXX had filed the inquiry. I indicated I had never given my permission and they said they would file a complaint with all three credit bureaus to dispute the information and get back to me in 60 days. I also requested the contact information for this XXXX XXXX organization. I spoke to XXXX XXXX and he stated they did show I had applied for a loan with them. I said I absolutely did not and the reason it would be incomplete was I never applied in the first place. He indicated there was nothing he could do. So I requested the legal department contact information. He said the legal department could be reached by mail at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never authorized my credit report to be pulled and the information I provided to XXXX XXXX was never stated to be used for that purpose before I provided it. If they do not rescind their errant request which was made inappropriately for my credit report I plan to pursue legal action against them to stop them from taking other customers ' information without authorization and would appreciate your follow-up.
This loan was consolidated with Department of Education / XXXX  on  XX/XX/XXXX, and XXXX/Suntrust/XXXX Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/Suntrust continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/Suntrust/XXXX XXXX multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/Suntrust have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX   account ending XXXX.
I have been asking for a modification form since the month of XXXX and I did not receive anything they told me they were going to mail it to me and nothing I called them 3 weeks ago and then 2 weeks ago asking for the same form and they said the same thing and this week I receive a letter that I have to pay my loan of full that is about {$36000.00} and I dont have that money I lost my job in XXXX and I also got behind with my payments because I got injured at work. Please help me I dont want to lose my house. The mortgage company is Vanderbilt mortgage
I sent a request for validation and dispute on XX/XX/2018 by fax. I never received a copy of the original dispute and requested why this was reported to Collections. I have received no response to my first request sent out XX/XX/2018, 30 days has passed, evidence attached. Second time I sent out another request by certified mail on XX/XX/2018 and received only a statement with two pages of the contract and no evidence I owe the debt in question. Sending only a statement with partial information is not proof debt is owed. 
My licensed agent with a POA on file with this company sent by certified mail, called and spoke with a XXXX XXXX and got nothing but yelled at, interrupted and wrongfully accused of arguing about the collection in question. Mr. XXXX could not get his request achieved with a fare answer. Conversation is attached that was recorded by his office.
I have a JPMORGAN CHASE BANK AUTO LOAN On XX/XX/XXXX i got sick and spend a few days out of work Two weeks after i was told by my Doctor that i needed XXXX and i spend tow months at home after the XXXX and receive a XXXX XXXX XXXX which was less than the haft of my regular paycheck i wasn't able to make my payments on time only my utilities bills was cover i spoke to the JPMORGAN CHASE BANK to let them know about my situation. 
XX/XX/XXXX I was able to go back to work and started pay off my late bills and got all up to date. I check my credit report and saw how much this have affected my credit report.
On XXXX/XXXX/XXXX, I was notified that my XXXX XXXX XXXX uncle had been exposed to fraud. I immediately put a hold on his checking and money market accounts. XXXX/XXXX/XXXX met with XXXX XXXX and XXXX XXXX of XXXX a division of Synovus Bank & closed existing account and re-open a new account and signed affidavits for the fraud claim. Amount of fraud XXXX - received credit for XXXX - balance due XXXX. XXXX said their responsibility is for only 60 days and will not refund the balance even though the fraud was committed by the same people. - See the attached :
I obtain services from XXXX a while I cancel the service because the services was not what I thought it would be. So I contact the company and the request me return the equipment becuase this equipment was self install by and they did offer installation. So we I was remove the equipment such censor and things I sent them the wrong item. So contact me and informed via mail and phone that I submitted the wrong equipment. So I final figure out the right equipment and return it to XXXX. On Friday, XXXX XXXX, 2015 I contact XXXX to confirm the receipt of there equipment. I spoke with XXXX who inform me that they receive the equipment and had process a refund. I ask the what account number or card number the credit was apply to because I made severall change far has banking and they might trace or put stop payment on the refund. So I aslo provide the credit card number and XXXX to apply the payment to my current card. On Monday, XXXX XXXX, 2015 I received a call from XXXX stating that I will not be receiving my refund becuase it has been apply to close bank account or credit card. Please explain how can a credit be apply to closed bank account and credit card. Then later I was contact be Staf trying to explain the situation that did not make any sense to me. How can refunds be apply to close bank account and bank card. Please review the Banking ( charges ) for XXXX and the account they said was refunding the money to I do not have the card order information anymore.
On XXXX XXXX, 2015, I contacted the toll-free number for TransUnion Online Personal Credit Service to complain that the service was merely a front to sell me more products and did not provide me with a credit report as advertised when I signed up. The number XXXX was answered by someone CLEARLY not in the US. The Operator refused to tell me where they were located and when I asked to be transferred to a call center in the US, was told I would need to provide all of my personal info. I will not provide that info to an off-shore service. 

After XXXX calls and XXXX VERY RUDE refusals, I have decided to take this route in hopes of having people understand this joke of a service. I want this service cancelled, any money charged me returned and people warned as to what a clear waste of time this product pushing service is for the average consumer. 

How can the division of TransUnion that provides credit reports through the mail transfer me to a US call center, but another division so thoroughly waste my time and degrade what little reputation your company already has '' Thank you
I have been a client of Equifax services for many years. Monitoring and credit reporting information which includes updates on credit score. On XXXX XXXX 2016, XXXX, a mortgage industry credit information provider, processed and verififed my XXXX credit scores from XXXX, XXXX and Equifax. All bureaus except for Equifax provided correct accurate information. Equifax provided using the same Fico score model as i there web page a score of XXXX in the report processed by XXXX and on there web page ( Equifax Web Page ) on the same date was reflecting XXXX. 
Equifax has been doing this same type of abhorrent behavior of reporting credit information and scores incorrectly for many years and have gone unpunished for FCRA violations I contacted on XXXX/XXXX/2016 Equifax with the letter provided by XXXX showing the XXXX score from Equifax and the information from Equifax own page as of XXXX XXXX credit score information reflecting over XXXX point difference. I hav been processing a financial transaction in the last 30 days so I have been monitroing my Equifax page every day for score and it has been XXXX-XXXX range during the last 30 days including XX/XX/XXXX-XX/XX/XXXX when the credit pull was effected. 
Today, XXXX/XXXX/2016, I spoke with Equifax representative and a Supervisor, both gave me the scripted answer provided to consumers who like me ask the correctness and accuracy of there reporting. Supervisor stated there is nothing he can do. This is not correct and the purpose of the FCRA is that companies and private enterprise do not abuse, cheat, lie or dupe citizens/ consumers as it relate to credit reporting ad financial transactions. 

I would appreciate your immediate action upon Equifax and that this company stops abusing federally protected consumers rights. Make immediate correction on my credit report history and score and reflect the same information as on there web page when providing information to credit information outlets fro financial transactions Kind regards, XXXX XXXX XXXX
My husband and I live in a XXXX unit townhome complex in XXXX, Texas. XX/XX/2015 we shopped to refinance our home mortgage after 17 years of payments at a high interest rate with only XXXX % of the value left on the home. We received several bids and picked Bank of America based on their estimated closing costs. 

We sent in all of the documentation they requested and were assured the closing costs were accurate. 

Approximately 35 days later, after interest rates went up, BOA said they needed to charge us approximately {$500.00} for an new survey. We told them we sent them the survey from our XXXX XXXX on day 1. They said it was insufficient. 

In addition, we had to submit the same information we gave them day 1, with pay stubs and tax returns a second time. We asked why and they said it was because they submitted the wrong SSN and had to do it again? We lost several hours of income providing this information a second time.
XXXX, XXXX XXXX, Equifax - I have an old C.C. account ( XXXX ) - ( it now has new last four digits ) with XXXX XXXX. I've had this account for more than 12 years ( I'm not giving the exact time ) and I was 30 days late on a payment more than 9 years ago and they are still reporting me as having a late payment history. I have contacted all three credit reporting agencies and XXXX XXXX credit card services and they all give me the same reason for not having the item removed - " We are required by law to accurately report your payment history. If you can show proof that this information is incorrect simply submit your dispute in writing and we will investigate and then get back with you regarding our findings ''. Seriously! I'm not disputing the fact that I was late on a payment - but am I to be punished for the rest of my " credit '' life for being 30 days late ONE TIME - YEARS AGO? That's TERRIBLE! A XXXX  can get paroled and even a commuted sentence but a 1 time late payment stays with you for LIFE. Surely there is SOMETHING that can be DONE? Please help
American Express XXXX Cash ... .states my balance online as Current Balance $ XXXX Credit $ XXXX Balance $ XXXX made a payment on XXXX day of new biling period ... not reflected in outstanding balance-this balance includes as though not paid and adds fees ( late & interest ) not due until end of billing statement..I contacted them XXXX times online chat they disconnected me each time. I called them first and they gave me argument over how it should be stated. This is false advertising for other credit agencies -- until they reduce the amount by at least my payment and is not truth in lending making it appear as though I did not pay past due or previous month!
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Hunter Warfield. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you
Well this started XX/XX/XXXX I made a payment to my account & the account was froze at this time, I trashed it to them on the XX/XX/XXXX to find out why my account was froze they said it was bc my payment was more than my limit, my limit was {$200.00} but the amount due was {$200.00} so that 's what paid. The payment was kicked out that afternoon ( the XX/XX/XXXX) so I attempted to make another payment the XX/XX/XXXX for the {$200.00} & my account was then restricted. I called them & did the online chat & they just have me the runaround over the payment being more than my limit. I kept saying that 's the amount due, I ca n't help the amount due is more than the limit. A week later I got a letter stated my account was closed. I reached out to then again on the XX/XX/XXXX I believe & demanded answers & they said because I had two payments " returned '' they closed my account & deactivated my account. How the XXXX is it my fault my payment was kicked back over {$8.00}????? I demand my account bed reinstated. This is XXXX & they know it.
On XXXX XXXX, 2015, I disputed whether the account listed as XXXX Bank and the data legitimately belonged to me. See Attached. After this information was allegedly verified by the bureau I requested what information was used to verify such in a correspondence letters. See Attached. This was done with XXXX Bank as well by phone. I have yet to receive any information confirming the validity of said account. This account should no longer exist on these reports XXXX.
I did not receive a phone call or written communication about the debt. I discovered the issue when I reviewed my credit report. Im also unclear why I owe anything at all. Please provide written communication outling the rational for the amount due.
Since I have had the loan, almost 10 years, I have always paid on time without a hitch. In the recent months I fell behind and missed a payment. The first in 10 years. I have tried to work with them to lower the payment or have a temporary forbearance and Navient advises they dont do that. They said they dont offer any assistance with payment issues. I tried to work with them ti bring my account current and I even made a roll back payment. I was told that would give me 30 days to make another payment. Since I started to make an effort to work with Navient I have gotten several calls a day. Sometimes more then 10 calls a day back to back. Even after the roll back payment. I asked them to cease and disist but they refused. I want proper action taken against Navient as practices like theirs are illegal and go against consumer rights.
Mother informed today XX/XX/2019 that the company PDM located in Florida called her regarding a debt for me. This company has previously called leaving messages sometimes or just calling with no message as to who they are and the matter. 

I called the company today to inform them to stop the calls to me and my mother and I would only like mail correspondence. The rep, XXXX XXXX, said okay and gave the explanation of how it would effect my credit which is fine and I told him I understand and to mail the statement. He continued to go on about taking care of it now and I told him AGAIN to mail it to which he responded " That's stupid I don't understand how that makes any sense, good luck. '' I don't care what he thinks but professionally that is not how you speak to anyone.
These creditors have pulled my credit without my consent! Im attaching the screenshot of the creditors that are pulling my creditor!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attachments all arent consented
On XX/XX/XXXX, I contacted XXXX XXXX at Bank of America to apply for a Home Equity Line of Credit. I currently have a Home Equity Line of Credit with Bank of America for $ XXXX. The draw period expires XX/XX/XXXX. The available credit on the line is $ XXXX. XXXX told me my rate would be prime plus .XXXX and my house should appraise around $ XXXX, so I could receive 70 % of the home value. 
A couple of weeks later, I was contacted by XXXX XXXX. Issue 1 : XXXX stated my rate would be prime plus .230 % and could not provide any explanation for the difference in rate. Issue 2 : XXXX stated my house appraised at $ XXXX. I was later told by XXXX XXXX my home appraised at $ XXXX. During my last conversation with XXXX, I was told that she needed more information on the current lien against the property of $ XXXX. I provided her with the information to contact the XXXX XXXX XXXX, XXXX XXXX, and directly asked her if this was going to be an issue and if I needed to pay the lien off so we could proceed. She stated she needed to talk to the lien holder first and she would call me back. Issue 3 : This lien has been on my home since XX/XX/XXXX. This lien was on the home when I was approved for the initial LOC approximately nine years ago. Issue 4 : XXXX never returned my phone call. Instead On XX/XX/XXXX, someone else called to say that my application had been denied. Issue 5 : Per my conversation with XXXX XXXX, XXXX never called him to see if the City of XXXX would take a second position. 
On XX/XX/XXXX, I reached out to XXXX manager XXXX XXXX. XXXX stated that all I needed to do was submit a copy of the recorded lien release and XXXX statement showing where the funds came from to pay off the lien. Per my request, he sent an email stating the same thing. 
On XX/XX/XXXX, I provided both documents to XXXX. Issue 6 : I received a phone call from XXXX stating it is now a requirement that I have a full home walk through. I specifically asked XXXX on XX/XX/XXXX, if there were any additional requirements, he said no. During my call with XXXX on XX/XX/XXXX, I was told that this appraisal was good for 90 days. I specifically asked about this because I did n't want to pay the $ XXXX and not be approved for the loan. During the call on XX/XX/XXXX, XXXX went on to provide the appraisal amount. He also stated the appraisal had been completed and I would be approved for my original amount of $ XXXX because the appraisal came back higher than $ XXXX. I have a copy of the appraisal that was done on my home dated XX/XX/XXXX.
I assumed this loan for my daughter. When she graduated she never found employment in her degree/field. I had to support her while she tried for several years to find work in her degree. I have paid on this loan as best I could having to move from place to place 6-12 months consecutively with another move due to a sale of current household in XX/XX/2019. 

She finally took a XXXX job but still needed support due to low wages. I am retired with a Federal Retirement benefit and social security. Due to losing my house, my age XXXX and not driving I have had to move regularly incurring expenses and defaulted for a time during these moves. 

I would like to work with someone for a normal monthly payment yet have been put on hold for more than an hour and now having my social security and federal retirement garnished and told conflicting information on my retirement and payment plans. 

Relief would be desirable yet with no judgement against me my retirement will be garnished leaving me with barely a livable wage. My daughter graduated almost 10 years ago and still doesn't work in her selected field and still works for a bit more than minimum wage. I would still be helping pay her rent has she not found a low income apartment.
EQUIFAX & XXXX IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XXXX & XX/XX/2017. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. EQUIFAX & XXXX HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE ATTACHED.
There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX  XXXX Pleaes help me get this matter cleared up
Here is what I sent : Dear Sir : You need take all of the following off my credit report. It is required by law to eliminate after 6 years ( Colorado ). Needs to be removed from credit report / much misinformation as shown below / 6 years past communication with creditor per Colorado statute : XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payment stopped / never made - XX/XX/XXXX ( Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payment / XXXX XXXX XXXX Past 6 years ) XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Payment stopped XXXX XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX All payments stopped XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missed payments All Payment stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 years ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payments All payments stopped XXXX XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missed payment All payments stopped as of XXXX XXXX, XXXX XXXX ( Mortgage ) XXXX XXXX, XXXX XXXX Missed payments All payments stopped as of XXXX, XXXX ( Past 6 year ) XXXX XXXX XXXX, XXXX XXXX Missed payments All Payments stopped as of XXXX XXXX, XXXX ( past 6 years ) This is the second request. Respond to my request. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX , XXXX XXXX, Co XXXXPrevious address : XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXXMost if not all of this issue is 7 years or older. Also live in Colorado and I understand it is 6 years for things to be removed. I have not talked to or made any agreements with any bank or organization.