WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for mortgage loan with XXXX bank on XXXX XXXX, 2016 and it pulled a credit score from Equifax. The credit score it pulled was XXXX points lower than the FICO credit score pulled from Equifax on XXXX/XXXX/2016 that appears on my XXXX XXXX credit card statement. Neither XXXX or XXXX XXXX can explain the difference. However, the Equifax FICO credit score from XXXX would allow me to qualify for a lower interest rate on my mortgage. I can not reach anyone at Equifax to explain the difference in credit score. I would like an explanation of what credit score from Equifax is being used by XXXX XXXX and why it is different from XXXX. If this is a non-standard model, is the scoring system artificially lowering my score to increase my rate. If that is not the case, why is there not a transparent credit scoring process used in the banking system so that a consumer can predict their mortgage rate by knowing their credit score.
This has been ongoing since my mortgage company was switched from XXXX XXXX XXXX to M & T Bank. M & T Bank has started to harass us none stop. They also increase our mortgage for various reasons and when asked why we can never receive a direct answer. They also call our phones at least 2 and 3 times a day. The first problem started when our company was switched about 5 or 6 years ago. They immediately increased our mortgage from XXXX to XXXX and when we asked about it they stated it was a short in escrow. The threaten to foreclose our home if we didn't pay a little over 7k. After we became current for a while our mortgage maintained at XXXX, but around XX/XX/2016 after the birth of my daughter we went through a loan modification and had to pay at least 3 payments on time to receive the modification. Once in the clear we were able to go back to paying XXXX. About 6 months ago we received another letter stating our escrow was short and we would have to XXXX instead of our XXXX a month. When we ask for documentation or clarification we get told they will send it in the mail, but on numerous occasions we have not received anything. We became current by paying online and they are now stating they are not receiving the online payments. Now we have 2 different confirmations and once we tell them the confirmation numbers they state they can't pull the confirmation numbers up. It has lead to us having 2 to 4 mortgages coming out of our account and having to pay overdraft fees to our banks in regards to it. We have also asked if we could separate our escrow and they state they couldn't do it. Just recently they listed us as foreclosed because they told my wife that I was deceased, and that she will have to be removed from the house if she couldn't afford the mortgage. As of now we have paid 2 mortgages back to back and every time we get current they state we are behind again. We are confused and are asking for justice to be served. They should not be able to harass and discriminate against their customers.
I a writing once again because I was a victim of Identity Theft. I 've been trying to resolve this macys account that I did not open up for years. It 's obvious that someone used my social security number and all of my information and opened up this account. I had filed an identity theft form. Why is it taking years to resolve this. I MYSELF did not open up a macys account. Why is it that macys is same that the account was legitimate. When someone uses all of your information to open up an account it is still fraudulent. I MYSELF NEVER EVER EVER EVER OPENED UP A MACYS ACCOUNT. I should not have my credit penalized for this either. Macys have given me the run around for years. NOW THAT THE IDENTITY THEFT IS FILED I AM HOPING THAT THEY CAN SEE THAT I NEVER OPENED UP A MACYS ACCOUNT AND I WANT IT REMOVED!!!!!!!!!!
XX/XX/2018 - Received an email from SunTrust stating that " If you had a previous userID and password, it will not work in Online Banking. You must enroll as a new user at suntrust.com to continue to access your mortgage online. To create a new userID and password, locate your mortgage account number on your statement, then click here and follow the on-screen instructions. '' XX/XX/2018 - I called SunTrust to confirm voice-to-voice that this eamail wasn't a phishing scam. Was told it was valid. 

XX/XX/2018 - Called SunTrust customer service again because when I clicked on the XX/XX/2018 email, where it stated to " click here '', the response was " Unsecure site ''. So, I needed confirmation on how to receive a secure site to follow the instructions in the XX/XX/XXXX email. 

XX/XX/2018 - Called SunTrust to get information and help. Customer service person said she'd walk me through it. She walked me through it and was unable to get new ID and password because computer screen said I was already signed up on online banking. Customer service person said she'd have to transfer me to another department. 

From day one, when my mortgage was transferred from XXXX XXXX to SunTrust I've had nothing but horrible service. Last summer I signed up for electronic statements ... nope still getting paper. It takes a complicated and time consuming effort to reach customer service, only to be placed on hold. Why does it take an hour to try to get answers to a customer 's questions? Horrible customer service. 

I want my mortgage loan transferred to any other possible loan servicer. I don't have the time to deal with Suntrust incompetence. I feel it's deliberate to keep customers in the dark on their finances. Every other loan servicer has been able to answer my questions and provide an easy to use online service.
I currently am a patient of the establishment in question. I have not received any validation of debt pertaining to a medical bill nor any record of the account. I paid the account in full based on the fact they stated it would be removed due to inconsistency in contacting me to resolve the outstanding debt in a timely manner. I was not made aware of the debt in order to make payment properly to prevent credit reporting. Per the law the debt collection company is required to within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debtThe name of the original creditor to whom the debt is owedA statement describing your right to dispute the debtthis was not done therefore hindering me from resolving the matter. They did not call or send letters to me to review.
I have written all three bureaus in reference to my credit. In months my credit score has drastically dropped. I recognized I have had credit issues however, the amount of accounts reflected on my credit report were far greater than the negative. Instead of receiving a solution to my issue my email is bombarded with offers from the credit bureau to purchase their products or to open a credit card. How does this solve my problem or correct my credit score. How can the reporting agency be non bias if they are constantly trying to sell me something. As I previously stated I know I have credit issues and I am resolving and addressing each issue, however, I have paid off far more accounts and in good standing than negative. I do understand there is more in play such as, credit inquires and how high the balances are as well. Please help!!!
I am formally requesting that AMS remove the 30 day late reported on my credit report as it is INACCURATE. For account number AMS SERVICING INC XXXX we were never late during the month it shows on the report, please delete the 30 day late reported as it is incorrect and see my proof of payment that I made to the previous mortgage serviser!
My Equifax credit report isnt reporting any information on my Equifax on my report I send them multiple letters stating that they arent reporting any accounts ( 4 of them ) on my credit monitoring due that I have open account and they are reporting to all three credit bureaus
I received a bill from my credit card company in XXXX. I paid the statement balance in full before the XXXX payment due date. On my next statement that I have received, with a payment date of XXXX/XXXX/2016, I am being charged interest on the paid off balance from XXXX. They are telling me that interest was still acrueing (? ) from the XXXX statement closing date until the day I paid it in XXXX - " Residual interest ''. I have other credit cards, and they do n't do that when I pay off the balance. I used a HELOC earlier in the summer to pay off credit card debt, and none of the cards tried to get extra interest money when I paid off the balances. Not sure what has changed in the banking industry that they think they can get away with this.
The following account needs to be deleted and blocked from my Experian credit report because it is fraudulent. 

XXXX  XXXX XXXX Account # XXXX
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX. On XX/XX/18 I sent a certified letter to XXXX XXXX requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX  failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have XXXX XXXX  run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX  and Equifax report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that XXXX XXXX is liable for a monetary fine if they fail to provide such documentation. XXXX  and Equifax are liable for the monterey fines as well for reporting unverified information.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99
CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$83.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX XXXX # : XXXX AMOUNT : {$400.00} CREDITOR : XXXX XXXX XXXX # : XXXX AMOUNT : {$2200.00} XXXX XXXX  # : XXXX Amount : {$2200.00} CREDITOR : XXXX XXXX XXXX  # : XXXX AMOUNT : {$420.00} CREDITOR : XXXX XXXX XXXX # : XXXX AMOUNT : {$2000.00}
Hello, I opene d a CITI AAdvantage MasterCard  on  XXXX / XXXX /  XXXX  .     I setup access to the online account and established autopay on the day my card arriv ed ( a pprox.  XXXX / XXXX /  XXXX   ) for the first payment that was due on  XXXX / XXXX /  XXXX  . When I went in to check my card on  XXXX / XXXX /  XXXX  , the payment still had not posted. Unknown to me, the first payment had to be made manually to activate the autopay account. This was not stated anywhere when I set up auto pay. I went ahead and made the minimum payment on  XXXX / XXXX /  XXXX   for {$51.00}. I tried to make an additional payment of a larger amount but the  CITI  site would not let me as long as there was a payment pending. I had to wait until  XXXX / XXXX /  XXXX   to make a {$1500.00} payment to the account. The result was that my first payment was deemed late by  1 week . Although this is not reported to the credit bureaus, it is reported internally and when I ca lled CITI and  spoke with  XXXX  on  XXXX / XXXX /  XXXX  , she stated there would  be a note added to my account but going forward to pay my bill on time!! Imagine my outrage. I had set up auto pay so I would not be late and am never late with several credit accounts I hav e . CITI went a nd charged my account a late fee of {$25.00} on  XXXX / XXXX /  XXXX   as well. This is unacceptable. Now, internally, I will always be flagged as having a late payment and more than likely my account 's credit limit will not increase either. I would cancel the account but in doing so will hurt my actual  credit score even  more so I will only use it for travel and when I can get miles from it for which it was intended.
I opened a XXXX credit card with American Express in 2016. After about three months of use, the number was stolen and used for a fraudulent transaction. I called in and asked for a new card number to be issued. AMEX chose to close that account completely and issue a new card with a hard pull on my credit. XXXX XXXX accounts now reflect on my credit report ( XXXX notated as closed by consumer after only three months and at the consumer 's request ). This is not correct. The XXXX AMEX XXXX accounts on the credit reports should be merged so that age of credit history is not dinged by the average of XXXX new accounts. I only authorised the opening and hard pull of the original account and never closure of the original account or opening of a XXXX. Please correct this.
Child Support has ALREADY reported the derogatory and inaccurate information to the credit bureaus. Child Support Enforcement is refusing to honor an administrative hearing court order, regarding child support. I had a child support administrative hearing a few months ago that ruled in my favor. I requested an administrative hearing to dispute the child support amount. It was a case where the mom ( custodial parent ) didnt inform Child Support Enforcement that during an 8-month period, that the child was living with the dad ( non-custodial parent ), full-time and she chose not to see the child for the first 5 months of that time. I requested the hearing because even though physical custody had changed, she continued to receive child support, because she didnt notify them of the change when it happened. Child support has ignored the ruling, and despite my many attempts, they are continuing to refuse to honor the specific order details, pertaining to the monthly child support amount ( Child support amount changed for a certain period because physical custody had changed for a period of time ).
I have faxed in requests for them to correct/adjust their records and to issue ME ( non-custodial parent ) the required $ 2,000+ overpayment, as awarded. Instead, they sent the mom ( custodial parent ) the $ $ credit ( overpayment ), that was due to me.
I have been calling and trying for months to get Child Support Enforcement to correct/update their records and make the proper adjustments, but they refuse. I personally went into a local office, more than once, and was given a payment history to show all the payments that had been received by Child Support Enforcement. I was also given a history of the required child support obligations. Their child support order history amount is incorrect because it doesnt represent the corrections of the child support amounts that were listed ( adjusted ) in the administrative hearing court order. Dates Complained : XX/XX/XXXX-Fax XX/XX/XXXX-Fax XX/XX/XXXX-Fax. XX/XX/XXXX-Office Visit XX/XX/XXXX- Office Visit
XX/XX/2015 XXXX has marked me 90-120 days late on student loan repayment on three accounts but that is not accurate. Im tried to call and dispute it with them but they wont seem to hear me out.
Wells Fargo solicited me for a new Wells Fargo Cash Wise Credit Visa Card, indicating an interest APR of 13.24 % - 25.24 %. Since I am an existing Wells Fargo mortgage customer, and previously maintained a Wells Fargo credit card ( responsibly maintained and seldom used, so it was cancelled in XXXX by Wells Fargo, with an interest rate of 15 % APR ), I opted to apply for the new card. I was immediately approved for a {$10000.00} credit line. However, when I received my card, the established interest rate was incredibly high at 21.24 %. My XXXX score at the time of approval was XXXX, and now is above XXXX, which I though was very good. Wells Fargo indicates that the credit card interest rate is determined upon creditworthiness. I 'm outraged at the deception by Wells Fargo to " bait and switch '' a customer thinking that a very good XXXX score would receive the lowest interest rate. I assumed the worst interest rate I could have received was 15 %, based on my previously unused Wells Fargo credit card. This is Wells Fargo at their worst, to price gouge and deceptively cheat customers by generating exorbitant fees. Their unfair practices must stop. I 've filed a complaint with Wells Fargo Customer Service XXXX XXXX, reference number : XXXX on XXXX/XXXX/XXXX. Thank you for your continue protection of the consumer!! 

XXXX XXXX XXXXXXXXXXXX XXXX
XXXX XXXX XXXX out of New Jersey placed a judgment on my consumer report that was false. I was told that the record would be removed, and was given a sheet of paper indicating that they would rent to me again, that all my balances were paid in full, and that I never had any Nonsufficient funds issues. The false judgments are still on my consumer report, and never once did I have to go to court for any judgments. It is preventing me from being able to rent from other places despite the document due to the public record.
I requested copies of my credit report from XXXX  & equifax XX/XX/XXXX that had many inaccurateies. I called them XXXX to dispute 2 visible items XXXX XXXX ( verison ) {$320.00} from XX/XX/XXXX. I was told contact debt collectors and agencies linked to origins of account. I did and was treated very terrible and was given no information from them to verify facts. I called transunion back to update the conversations and to exercise my fair credit reporting rights. They opened their own dispute again for the multiple time. As per the same with Equifax. This is a money making business they want us to struggle and force us to higher 3 rd party law/credit building or repair instututions. I'm indigent! I can't afford this hassle I filed with the ftc fraud alert as suggested by them and now they say send all this other requested documentations. I'm confused where and when do the rights of a United States citizen go into effect? I have been ask series of authentication questions via the web and no pertain to me. When answered correctly access is denied. Credit monitoring done out side of the United States. Does GDPR apply here? How do I know that the generated questions are nothing more than a trap to suggest worse credit monitoring requirements? They set this up in hope anyone willing to pay their 3rd party agencies to fix false information that has been applied to my credit report? They are not being honest however the little proof I have will not be admissible because they are not based inside the United States. They have lied to me over the phone. They have redirected me. They said things to make me feel like they cared and requested me services that i denied. I want this fixed per myself. XXXX- {$320.00} XXXX, XXXX {$2800.00} XXXX, are not my accounts i have done and ask all the appropriate questions. Results are unsatisfied. I'm asking for backup. My word in writing XXXX XX/XX/XXXX they are not my accounts. XXXX I assume opened them and i asked that they be removed because they are hurting me in my desired time to request emergency funding not available due to the inaccuracies. I read by law these companies can be held liable.
I have asked Capital Accounts, on at least three occasions, to sent me a detailed statement of account which shows : Date of Services Detailed Services Provided Insurance Payments ( XXXX XXXX ) Received My payments received So far, I have not received any of the above information
I have a loan with Prestige financial in which I usually pay over the phone with my debit card. I had some issue with the car which put my car payment behind. I notified the company and prior to my next pay I sent in a check. The check was for a specific amount in which I let the company know ahead of time. They in turn received the check, took the account information and routing number to process a payment without my consent. The representatives are rude, uneasy to talk to and can be intimidating. I used email to contact them and it clearly stated that I was NOT giving them my account information. Isnt that illegal?
On XX/XX/2018 during the early evening I called by a XXXX who left a voicemail. He stated that he was XXXX from XXXX and that he was attempting to locate me. Did NOT mention this involved a debt. he went on to say that I had until the next morning to call him at his direct number for they would contact my employer and family members to try to locate me ... obviously not something I want, that's embarrassing and that makes me look bad. I called XXXX direct line that he provided in the voicemail and I requested something validating the debt. He point-blank refused to do so, telling me he had no obligation to do so, claiming that I had received documents in the mail and said that they had sent plenty of emails to me in which they had read receipts of ( which I NEVER received ). I had told him that I did not receive emails and he kept arguing with me and started to raise his voice. He told me that I was going to get my wages garnished at one point.He was literally yelling at me by the time I requested a supervisor, in turn making a snide comment. I have unfortunately fallen on hard times, and have had dealings with debt collectors before ... before good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee.l good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee. I will be reporting this to the FTC as well.
I have had a checking/savings account with Wells Fargo since XXXX. Without any contact or warning, my account was shown as frozen around XXXX XXXX, XXXX. I got a letter from Wells Fargo stating that they were closing my account due to a " business decision. '' No further explanation has been given. At the same time, I am not allowed to withdraw any of the money that I have to check or to another bank until Wells Fargo 's arbitrary date of XXXX XXXX. They are holding almost {$8000.00} in funds from my use, which I need to help pay my bills. They have not been helpful either over the phone or in the branch.