WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, I have been in the process of refinancing my home through XXXX XXXX. My current mortgage company is Citimortgage. The process has been on hold for a month due to the lack of cooperation from Citimortgage. To complete the refinance I need to have a Verification of Mortgage from Citimortgage for both my accounts. In order to do this they needed to have a " letter of authorization '' from me. Which I have submitted several times. 
Currently, I am still waiting for them to submit the Verification of Mortgage to XXXX. I have been told they can only fax it to me, they can not fax it to XXXX, even with my authorization. Every time I call, I speak to a different individual, and every time I call I am told that they are sending documents out. Documents have yet to be seen. Then I call back again and they say documents were not sent out, because they need authorization. I am getting absolutely no where and making no progress in my refinance. Now that so much time has been lost, I am very afraid that this situation will have a negative effect on my financial situation. I have a son who is graduating this year from XXXX school, we are trying to make a college decision. I also will stop receiving child support the day he graduates. I do not think Citimortgage has the right to delay the process of the refinance. Their business practices are awful, not XXXX customer service representative can be held responsible because you can never reach the same XXXX again. 

I am very frustrated, concerned that my refinance will not happen because of their gross neglect to respond to me or XXXX.
On XXXX-17 My husband and I we 're trying to refinance our vehicle thru XXXX XXXX XXXX. We were approved only to be called an told they could n't because our current company XXXX XXXX was n't FDIC Insured. We asked if their company would still show on credit or affect and they said no. Well that was n't true. Dropped about 20-30 points ot seems and we 've worked hard at fixing our credit. We really need this removed.
They have not responded to my disputes at all. 
XXXX XXXX XXXX XXXX XXXX XXXX for {$31000.00} was released and the balance is {$0.00}. This was released by XXXX and recorded as released with XXXX XXXX, CA. Equifax still shows it as open after years of being released.
Since the complaint I filed re : CitiFinancial, I have now received another letter dated XXXX of an intent to foreclose. There was never a formal letter from them stating they denied the loan modification submitted by the housing counselor. They now want {$15000.00} to stop the foreclosure.
National Enterprise Systems has left numerous messages on answering machine when not at home harassing telling me to urgently call back that they are trying to help me ; received call in person from them and explained I knew I was not the person they were trying to reach yet he persisted that I was and I needed to talk to him. After repeating to tell him I had no debt he said I did that I had given them the phone number I and said I had not. It was regarding a student loan I said I had no student loans etc that I was XXXX yrs old not the person He said you mean you are XXXX years old etc. I ask to speak to a manager and he discounted me.
About week ago I received promotional e-mail from Bank of America on my personal e-mail address, where they offered no-annual-fee Business Advantage Cash Rewards Mastercard credit card. 
In addition to term and condition, it stated that " This is a promotional email from Bank of America ''. 
Today I have got new email from Bank of America : Thank you for your interest in our business credit card We cant approve your request for an unsecured account at this time. However, we have another option wed like to share with you. We can reconsider your application for a business credit card account if you secure it with a Bank of America Certificate of Deposit ( CD ). To take advantage of this offer Youll need to establish a CD in the amount of the credit line you want. We require a minimum of {$1500.00} with a 12-month duration. You can do so by : Visiting a nearby financial center, or Calling our Small Business Specialty Sales associates at XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX Eastern. 

As per my understanding, Bank of America misleading customers and push their business on shoulder of regular people. 

I consider their action at least as violation of privacy and creating negative effect on people credit history. Promotion e-mail or mail have to be send to preapproved people.
XXXX will not allow me to get my reports. Experian says I need to mail in the request and when I hit next the site times out and starts the whole process all over again.
Account Details Last Reported   XXXX   XXXX   XXXX    Collection Agency CAINE & WEINER COMPANY INC  Original Creditor  XXXX   XXXX  Status Open Opened Date   XXXX   XXXX   XXXX   Closed Date -- Responsibility Individual Account.   Balance {$3700.00}  High Balance {$3 700.00}  Remarks Consumer  disputes this account information  No Idea  about this account
XXXX Complaint File with your Company..Yes I did file a Complaint with equifax Back in XX/XX/XXXX and they Removed it and always I file with XXXX and they remove that XXXX Account I gave you the the Confirmation number Equifax gave me on the complaint I filed on XX/XX/XXXXand Here is is again. ( XXXX ) ..And try to have them Explain if it was back inXX/XX/XXXXand why XXXX just filed it again with them in XX/XX/XXXX.I want this removed..Vermont Consumer Affairs was even called and report on comcast..XXXX removed it from their site when I filed a dispute with them..I am very unhappy with your site and Equifax allowing such Fraud that XXXX is doing to..They tried with other Consumer Reporting Agency and I disputed with them and they dropped them..They doing it Even with My next door Neighbor.And their report Agency never had contacted me, ,If the did I would of disputed with them..
I was paying XXXX payment towards my school ( XXXX XXXX XXXX ) loans for a couple of months, then I rec 'd XXXX different letters with XXXX different addresses from Navient stating that I was late on them. This was a shock bc I was paying a little more than the minimum payments. Then come to find out my payments were only going to XXXX loan and not being applied to all my loans ; therefore I was late. Then I made XXXX big payment in hopes to be up to date, but then was notified I was late again bc the loan dates are different on my loans. Then I come to find out that XXXX loan payment is different and is not part of Navient but should be paid directly to the school. It has been most frustrating bc I am being told that I am always late and my minimum payment has ballooned up to $ XXXX/mos for Navient alone.
I sent them a letter on XXXX XXXX, 2015 asking for validation of the debt per The Fair Debt Collection Practices Act. 
I have received no response.
Old XXXX  account placed with internal collections. I spoken with print and agency and was advised after paying the disputed amount it would be removed from report. Diversifield Consulantant has repeated reporting of this debit as collection when its not and also over the statutory limits. This company doesn't own the account
I would like to file a complaint about Experian. I am so upset, and am hoping you can help me. Experian still will not let me dispute my credit report information online, even though they encouraged me to go to : XXXX. I also was unable to get help over the phone. There are so many incorrect items on my Experian report, I hardly know where to begin. 

The incorrect items include : an incorrect spelling of my name, a p.o. box in XXXX. that I never opened, several credit card accounts that I never applied for, XXXX incorrect phone numbers, and a statement that my current apartment address in XXXX is a business related to automobile service! 

As stated previously, I am the victim of major identity theft. I filed fraud alerts and security freezes with all of the credit reporting bureaus on XX/XX/2015 and XX/XX/2015. Yet, my latest Experian credit report, received today and dated XX/XX/2015, lists a " XX/XX/2015 '' application for a company called " XXXX, XXXX '', in XXXX, XXXX. I never applied for such a loan. I thought that a security freeze and fraud alert would prevent someone else from using my identity or accessing my Experian report. 

I called " XXXX, XXXX '' today, at both XXXX. PDT and XXXX. PDT -- although sympathetic to my situation, the company told me I had to dispute the fraudulent item directly with Experian. 

I realize I can dispute items in my report by mail to Experian in XXXX, XXXX. However, it would be much faster to file the dispute online. 

At this time, I am taking care of my mom, who has XXXX XXXX. I really can not take too much more XXXX. 

Any further assistance from the CFPB would be greatly appreciated. Thank you.
I recently reviewed my credit reports and noticed a collection account was posted for XXXX XXXX I never received from them.
My credit card got unauthorized use about {$1800.00} on XXXX/XXXX/16 and I found it by myself at the end of XXXX. It looked a typical fraud case through non existing website and described as I spend purchasing a service, not products. Normally, this kind of suspicious spending is found by credit card company by monitoring my usage but they did not. I called the credit card company to dispute the amount and once they credited the amount. But after a month later, they reapplied the amount to me after their investigation. I do n't understand the result. Because initial purchasing was done in Florida and credit card transaction was done though a processing company in XXXX XXXX. They gave me a report to show purchasing IP address but it was not mine and even not in XXXX XXXX where I live/work in. A couple of days later from I received the report from the credit card company, I received a letter from XXXX, a computer company. I have purchased a tablet through their official online shop. They said that they had been hacked ( attacked ) by a third party and lost customers information including credit card numbers, addresses names etc. I used that credit card to purchase and the date of purchase was impact exactly XXXX got attacked. I have written a letter to explain the situation to the credit card company attached XXXX letter and asked again to dispute the amount they reapplied. It has been more than a month but the credit card company does not reply me and they keep quiet but putting the amount on my account with APR. I have paid the amount I spent but I have not paid the amount unauthorized use because it is not my responsibility. I am 100 % innocent, I have never used that big amount though internet. Now I have no idea what I should do and who I can ask to help or resolve this problem. I really need your help.
I have written XXXX times to XXXX the lastest letter being XXXX XXXX,2015 ( see attached copy ) asking them prove that this debt is mine. As I understand they should not reporting anything to the credit bureaus untl they sent proof that this debt is mine ... I have no recollection of not paying a medical. Not with stand FDCPA, they continue attempt to collect this debt by reporting on my report which naturally hurts credit profile as I am trying to buying a home.
I discovered my fico score said I have XXXX collections. I knew that was wrong because i always pay my bills. I tried to find out what could be on my report. First of all, it seemed very fishy, because, both were exactly {$170.00}. Then I found out that the bill was for sprint and I had not had sprint for at least 5 years, approximately. Why would I have a bill from XXXX, who never contacted me since my final bill, years ago?
XX/XX/XXXX foreclosure auction saleXX/XX/XXXX XXXX XXXX servicer {$370000.00} owed sinceXX/XX/XXXX due to NO Bank/Mortgage servicer being legitimate! So mo payments made almost 12 years XXXX XXXX dismissed foreclosure XX/XX/XXXXdue to no valud deed mo promissory note!

XXXX XXXX is trying to foreclosure sale auction XX/XX/XXXX so we filed in Superior Court to stop til XX/XX/XXXX granted Lawyer for faye offered loan modification in court to stop sale!

We have had free legal help n now trying to work with XXXX XXXX to help on our behalf for loan modification Faye does not have legsl paperwork!!!
I am recently divorced. The accounts at the Wells Fargo Bank on XXXX XXXX, NM were awarded to me by Court Order. Initially I went into the Bank Office there & was told that if my Ex-wife is removed from the account I MUST start a new account with fees etc. Since I have important direct deposits on my checking account, I did not want to do this. My Ex-wife, just to mess with me, came into that Branch Office. She showed the Bank Officer the Marital Agreement which plainly states that these accounts go to me. The Bank 's argument is that because they do NOT have a separate Court Order specifically addressed to them, this Court Order is not binding! So, on XX/XX/2017, my Ex-wife was allowed to close out my accounts & get the funds from those accounts! Fortunately, my Ex-wife is not stupid ( just nasty ). She then took those funds & made them into cashier checks made out to me. However, over that weekend I find my accounts empty & closed out & my debit card canceled! It turns out that the decision to cancel an account & make the owner start a new account is at the Bank Office Manager 's discretion! I did get back my accounts on XX/XX/2017 & let it be known that I expected no charges for doing so! My concerns are twofold : 1. Customer 's have rights also. I was categorically told initially that there was no way that I could keep my account. Yet, the reality is that I could but the Branch Manager did not want that because then they then can not charge you fees for a new account! Once again Wells Fargo Bank has found a way to rip off their customers. The customer 's should be given a choice of keeping the old account or setting up a new account. This choice was never presented to me until I raised XXXX on XX/XX/2017. 
Second, I find it incredulous that a Bank Officer after reading the Divorce Agreement signed by the Judge, decided that it was NOT binding! Then that Bank Officer allowed my Ex-wife to close out my accounts & get the cash funds from those accounts. All of this without my authorization!. Had my Ex-wife decided to keep those funds, she would have been legally guilty of stealing from me & the Wells Fargo Bank would have been an accessory to the crime! My attorneys assure me that the Judge 's Order on the Agreement is binding, despite the Bank Officer telling me it was not. 
It is clear to me that Wells Fargo Bank has been ripping off their customers ( what a surprise! ) with their arbitrary policy of making the customer 's close out their accounts when they did NOT have to. Then they charge the customer for opening a new account! 
It is absolutely mind boggling that the Bank XXXX would allow my Ex-wife to close out my account & get those funds, despite having seen the signed Court Order. Their argument that a Court Order is NOT binding unless it is separately made out to Wells Fargo Bank is specious & I doubt will hold up in a Court! 
As a final note, I wonder just how many customers, having gone through a divorce, then were ripped off by the Wells fargo Bank?
I have had constant issues with the company Telecheck denying my checks at XXXX and XXXX over this past weekend. XXXX times my check was denied. As has happened before this always happens on a Friday or on the weekend when no one is available at Telecheck to speak with. I called Telecheck today and could not even hear the woman on the other line. When I did ask her why my check was denied she said my bank said I had no funds. Friday was my payday so I had plenty of money. I also called my bank who said they do n't know why or how telecheck would say that. I do n't know where or how this company stays in business or where they get their " information ' on my bank account from. You ca n't get an answer from a person from the company when you finally get through to someone on their complex telephone system.
This loan was originally obtained in XXXX. The loan first became delinquent on XX/XX/XXXX. I obtained a copy of my XXXX report on XX/XX/XXXX to see what was on it. the account was reported as delinquent since XXXX as expected. The account was due to be removed from my credit report on XX/XX/XXXX and today on XX/XX/XXXX I once again checked my report and noticed that the creditor XXXX erased all of the previous reported missed payments from my report and re-reported the account as being delinquent only as of XXXX. I contacted XXXX  via telephone and the representative notified me that as of XX/XX/XXXX XXXX reported that I was only 180 days late on the account. By my calculation a delinquency from XXXX does not equal 180 days late. The creditor is try to keep the account on my credit report longer that legally allowed by reporting fraudulent information to XXXX. I have disputed this account on 4 different occasions asking for proof of contract between myself and this agency without any luck in obtaining that information. My original creditor was not this agency that is currently trying to collect on this very old debt.
I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XX/XX/XXXX Finance other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.
XXXX  XXXX, XXXX  and Experian  are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit file that were not initiated by me.
Went through the XXXX website to request my free credit report from all 3 credit bureaus. I had not received any credit report this year. The 1st company I requested my credit report from is Experian. After I view and saved my experian credit report, I opted to get my experian credit score as well because it was advertised for {$4.00}, and before my credit score was displayed another message from experian offering to provide me with the credit scores for all 3 credit bureaus was offered, however no price was displayed, so therefore I assumed the 3 credit scores were at no additional cost. To me, my assumption seems reasonable, as I thought perhaps Experian is competing with XXXX XXXX XXXX. Therefore, I opted for all 3 credit scores from Experian. About 2 minutes after I viewed my 3 credit scores and logged out of the Experian website, Experian emails me thanking me for the {$40.00} I paid to get all 3 credit reports and all 3 credit scores.

To me this borders on fraud by Experian. I would never pay for all 3 annual credit reports that are free for me, moreover I would not pay {$40.00} for 3 credit scores when I know all 3 credit scores purchased separately would cost less than {$20.00}.

Experian seems like such a dishonest company, desperate to cheat the public to make ends meet. Why would such a company be the custodian of personal credit information and social security numbers? It seems to me that this sort of dishonesty could lead to Experian secretly selling consumer information to others that have a need for it. Experian is NOT a company to be trusted with this level of information.
FMS Collections threatened legal action against me for debt that I do not owe. I explained that I do not owe them debt, and they have made negative marks on my credit anyway. At no time did I sign any promise to pay or agree to pay any debt to them. I have no history of a connection to them for any service or purchase.
I recently purchased a vehicle for myself to get to work and take my daily commutes. The person I co-signed with is insured and I was authorized to drive the vehicle but we really want to get my own insurance on the vehicle. On XX/XX/18 I called multiple insurance companies and they all refused to get me insurance coverage because an error with LexisNexis ' reporting of my public record. When the companies look into it they clearly see that the accident and driving record reported on my public profile are not me. I even have a legal state document proving no accidents on my driving record for the last seven years. The individual has a totally different middle and last name and lives in a totally different state. When calling LexisNexis there is a completed automated system and no way to converse with a person quickly. I can not refute this issue without my full report that must be mailed to me and I can not drive without car insurance. This is ridiculous that someone with a totally different name has somehow been mixed up with my profile. It's making my life a little XXXX   at this point.
I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX
I opened a credit card in XXXX 2009 with Chase Bank in order to make a mortgage payment on my Chase Mortgage. I conducted the transaction at a Chase branch in XXXX, OK. Apparently, Chase classified that as a " cash withdrawal '' at the branch. Because of this categorization, since XXXX 2009 until present they have been charging me an interest charge on this transaction that has cost me approximately {$1200.00} in interest charges alone. I have never made a cash transaction with the credit card and Chase making such a distinction for their own benefit is outrageous!!!! 
Then they tell me the interest charges will continue until I pay the balance in full. I have the card closed and in a debt reduction program through Chase. It has been closed for over two years now, almost 3 years.
After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my chase payment for the month it was declined because of the erroneous purchases. I paid chase immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late. I contacted chase and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe tha t Chase is acting UNREASONABLY,  as i have had the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.
On XX/XX/2018 my credit report shows 2 hard inquiries. Both of these are fraud. Neither company can find my info in their systems or can they tell me where they got my info. Both companies say they will do nothing about it because they don't show it on their end. I assure you it's there. I am applying for a mortgage and these people are hurting my credit with all of these hard inquiries. The 2 companies are listed below. 

XXXX  XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX