WillisBack/dataset-financial-user-claim huggingface dataset:
They never responded to my emails, they are still charging me PMI even though I have LTV of 44 %. They have no customer service!! 
The " service '' is absolutely unacceptable. Quite possibly the worst service I have ever experienced. I have received different answers from every representative I have spoken with, after being on the phone for over 30 minutes of course, with no progress towards my problem ( on multiple occasions ). The need to have to constantly call back for the same problems over and over again because of internal mistakes and incompetence is at a level the likes of which I have never experienced in another business. In other words, there is clearly no training, no quality assurance, and absolutely nothing being done about the horrendous service. Judging by the other reviews, multitude of complaints, and my over one year of painful experience with this company, I would say it is a chronic issue with little to no improvement. To say I am displeased with my loan having been sold to this company for service is an extreme understatement. 
Would not recommend and wish we could move to another company. Have worked with quite a few mortgage companies over the years and never had trouble like this.
I got a call yesterday from a Direct Recovery Services stating that I owe {$3900.00}, and I had 2 days to resolve this account they didn't state would happen after this but said the file was already audited. I am not sure what this pertains to I have never received any information regarding this company or who the original debt is with.
I did an authorized short-sale in XX/XX/XXXX with the XXXX and XXXX lien holder. I have written XXXX letters, XX/XX/XXXX and XX/XX/XXXX to Capital One, N.A, the XXXX lien holder. In both letters, I explained that I have already tried to contact the XXXX credit agencies to stop reporting the short sale as if it was a foreclosure and every time the said to work directly with the reporting creditor. Capital One, N.A of course states in their letter " you can provide an explanation to the credit reporting agencies directly. '' The games that the creditors and the national credit bureaus deferring responsibility on to the other, as both are now fully aware that a complaint has been reported and both are in violation of the law, is ridiculous. 
Per XXXX report, Capital One, N.A reports the following " Paid as agreed '' or " Paid in Settlement '' or from the comment or remark sections, " Account paid for less than full balance '' is incomplete, insufficient and inaccurate as it does not disclose the Short-Sale circumstance. XXXX, has assumed or took liberty to convey that the property was foreclosed and/or delinquent. The true circumstance was not accurately conveyed by XXXX but rather they indicated ( 1 ) " serious delinquency '' and ( 2 ) past " not paid as agreed '' both are considered inaccurate and false. For item ( 1 ), there were no missed payment or even a late payment, consequently for XXXX to disseminate a Short Sale as a " serious delinquency '' is misleading, inaccurate, false fraudulent reporting. It is also clear that the account was n't in default, collection actions did not take place, nor was there judgement handed down by the courts. For item ( 2 ), since the short sale approval and settlement was agreed by all parties, for XXXX to convey things as " not paid as agreed '' is also misleading as the Short Sale approval letter had stated otherwise. I had requested that Capital One, N.A include the following supplemental comments to national consumer credit reporting companies and any other data furnishers. " Borrower had no missed payments ; the account was not delinquent or in default ; all parties agreed to a short sale ; and full satisfaction of the referenced mortgage debt was in agreement. '' Certification of accuracy of or complete information is paramount to correct derogatory reporting. Errors in omission is still an error and will remain inaccurate until disclosed and corrected. Capital One, N.A failure to disclose to credit bureaus complete information by including the supplemental information has harmed my credit score.
Bank of America did not post a resolution letter in the message center regarding my account, in claim # XXXX
My credit report show a hard hit for an auto loan. I have not tried to get a vehicle loan in 2014 as I have a brand new vehicle. I did not try to get a vehicle loan in 2014. I want to know how that happened? Also how do I remove student loans on my account that belong to my adult children? If this is at all possible because I can get signed statements with a notary stating they are theirs.
XXXX  purchase Car which Honor Finance Issued Loan..Car Lot Sold A  Lemon  Car had Varies Issues   XXXX   months Into The Loan. Which Most Time Car Payments was Use to repair Car To keep a Job and Pay Car Note..car started Having Transmission Issues notified Lender I needed repairs done note could n't get paid Costly Repairs.Voluntary surrendered The car.   honor Fiance promise to put Late payments on back in of The  Loans..have  XXXX  l ates on My  XXXX ,  XXXX    XXXX    Reports  XXXX
I disputed a debit and requested validation within the 30 day window on XX/XX/2016. I sent the letter via fax ( I have the confirmation ) and mail. The collection agency sent me a letter stating I was being non-compliant on XX/XX/2016. I sent a second letter requesting the validation on XX/XX/2016. The collection agency has not yet provided the requested information and continues to call me everyday some times as much as 4 times a day and telling me that they will not send the information and that my dispute is denied.
I was contacted by this group in XX/XX/XXXX and spoke with XXXX XXXX who stated I had an " installment '' loan. I requested a validation letter, which he emailed me. It had no recognizable information and I replied with a letter stating this was not my debt and to please cease collections. I got THREE CALLS today from a woman representing the same company, she was rude and harassing. I stated I had returned a letter disputing the debt and she said it " did n't matter '' and that if I did n't pay TODAY I would be sued. Left an additional voice mail again stating that if I did n't pay today, I 'd be sued. I believe they are aware this is a false debt and are still issuing threats to attempt to collect.
I have medical insurance with XXXX.I have excellent credit numbers.This is the first I have heard of this bill and it 's from XX/XX/2016.Not very fair.I have never even seen a paper bill from this.I had my medical bills from XXXX.It was XXXX I need paper verification as to why I owe this bill from Thomas Agency .
On XXXX XXXX, 2017 my credit report was pulled by XXXX, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. XXXX called and I told them I did not request a XXXX Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.
I am writing now in wish to receive your help. Currently I am working on reviewing my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important role in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am writing this to have this remark took back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time or it was dropped in the wrong address.
I am a victim of identity theft. Someone stole and used my personal information to apply for a payday loan. I never applied for a payday loan. I keep receiving harassing and threatening phone calls from National Credit Adjusters representatives in regards to a debt that do not belong to me and is the result of identity theft.
every time I apply for home loan in XXXX credit bureau my bankruptcy saw up this is the reason I cant get home loan I want to move to XXXX ca
I have disputed unfair medicare billing on my credit report. I 'm asking for that to be investigated. They were entered as separate bills for the same ER visit. I am also asking for my credit score to be re-scored now that my student loans have been deleted and this investigated.
I have been challenging the XXXX  XXXX XXXX account listed on my report for one year now. Finally, XXXX   XXXX XXXX concluded their investigation and decided in my favor to remove the account listed on my report. it was opened due to fraud and i opened a police report. I have been embarrassed for over one year when trying to open an account. I couldnt even get a job in the bank because of this.
Paypal limited my account on XXXX XXXX, and would hold my cash balance of {$2700.00} for 180 days. And I was told this action was not appeable.
On XX/XX/XXXX I received an email notification that my statement was available online. I was shocked to discover that I had exceeded my credit limit by approximate {$600.00}. 

On XX/XX/XXXX I reviewed my statement online and contacted Discover. To put this as succinctly as possible, there were a total of 17 transactions authorized beyond the credit limit. 

The first transaction exceeding the credit limit was on XX/XX/XXXX. Subsequently, an additional 16 transactions were authorized, including the final transaction pending on XX/XX/XXXX, the day I called in. 

Discover agreed not to charge an over limit fee, and also agreed they would not be charging an over limit fee in subsequent statements, under full knowledge that, if I only paid the minimum amount due, I would still be exceeding my credit limit by {$350.00} at the time of the discussion on XX/XX/XXXX. 

While it may be nice from a consumer standpoint, to not have been charged an over limit fee for a transaction that exceeds the credit limit, I find it incredibly excessive, and possibly abusive, that the company would continue to allow an addition 16 transactions to be authorized over the course of the next 3 weeks, resulting in a balance approximately {$600.00} above the credit limit. 

While I appreciate the company agreeing not to charge any over limit fee, I am concerned they may raise my interest rate, and perhaps more importantly, they have put me in a position of debt that I never had to be in. 

I feel that some type of penalty should be incurred for Discover 's practice in this matter. I fear that I may not be the only consumer dealing with this scenario, and I am filing this complaint to be proactive and make sure this practice does not continue.
A man named XXXX XXXX from CDR called my phone number looking for my mother. I XXXX his name and company, and found him to be a debt collector and possible scammer. I did not give out information, but instead told them to send her a verification of debt and cease communication. I am an attorney and handled legal matters for her before. I did not ask for information on the debt ; I only told him to send a debt verification. He became irate and said I was " full of it. '' He called once more still seeking to get information. I am fairly sure this is a scammer. He has also called other family members looking for my mother 's information.
My mother who banks at Bank of America, made a wire transfer to XXXX XXXX XXXX XXXX XXXX, the wire transfer was for XXXX dollars that was a gift for my boyfriend and I for the purchase of our first house. The wire transfer was made on XXXX XXXX 2017. On XX/XX/XXXX,  after we had signed the purchase of the house, the tittle company realized the wire transfer never went thru. My mother went to the local branch of bank of America, located on XXXX XXXX XXXX XXXX XXXX NV XXXX, where they told her there was a hold up with the transfer because they needed more information about the country where she was born and the citizenship of my boyfriend ( which he was the reference name on the wire transfer, both my boyfriend and mother are US citizens, at this point my mother never received a phone call or email telling her about any issues ) My mother 's English is not 100 % but she understood the banker that they were gon na fix the problem and they were gon na process it thru, but they never did. after I got off of work that day I went to the branch with my mother and talked to the banker again. They told me the transfer was being held for approval after the citizenship and my mother 's place of birth was confirmed. At this point my mother had to withdraw money from some credit cards in order to come up with the rest of the money to buy a cashiers check for XXXX dollars, because without that money we could not close the deal and seller of the house could n't get funded, that held us back 1 day. The banker told us they had put a cancellation order for the wire transfer and that the money should go back into her account as soon as possible. It has been 2 weeks and the money has not been returned to her account. Today she went to the branch again to ask what is going on and she was asked to provide my boyfriend 's social security information and ID to proof citizenship again before they can return the money back to her account. Now my question is, why are they withholding her money? Is there any law that prohibits a US citizen not born in the US to not be able to wire transfer money? Is it even legal for a bank for a bank to hold her money? i would assume if there was an issue and she could not wire transfer money, that money should have been returned automatically to her account? I am very confused and angry about the treatment she is getting, We have never experienced anything like this before, She has made many wire transfers before, she is a business owner so she always makes transfers, deposits withdraws and never experienced anything like this. The whole point of a wire transfer is to be able to transfer money in a secure and fast manner. The lack of commitment from bank of America to solve this problem is really appalling. And as soon as she gets that money back into her account she will be switching banks.
There is a collection on my Experian file from XXXX XXXX XXXX ( account number listed XXXX ) for an XXXX XXXX XXXX collection for {$100.00}. I disputed this with Experian and it remained on my file. 

I contacted XXXX XXXX XXXX and they have no record of this collection for me. 

This is a violation of my federal rights under the Fair Credit Reporting Act. If the company has no record of a collection, how could Experian have left this on my file after it was disputed?
I have signed up for college back in XX/XX/2012 my loan was supposed to be sent back because I had dropped my classes due to my mother died they said they would send my loan back to the sender and never did so im payXXXXfor a loan that i have never seen in my life i got to use my free grants so how do i have to pay back a loan i never recieved.. I 'm on XXXX I am XXXX I try everything to get my loan dismissed and they wo n't they keep harassing me I am in hardship for a loan I never got as I was scamed by the school I went to I dropped my classes way before the school had got a loan for me that I never needed I had free grants I went to school not even 3 weeks so this place is taking advantage of me advanced other people who have advanced XXXX or who is injured I want to file a lawsuit against them I been harassed for way to long it 's nothe rite they done this to me for XXXX dollars really that I never had gotten crazy if you askin me I think the school acjhould have to pay the money back the hey received it not me I am not going to pay back a debt I never seen in my life and also the school was closed down awhile ago is n't my loans supposed to drop because of this
I have asked via certified letter to validate accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. My response was " account verified ''. 

However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.
Regardless of the fact that I received the attached Letter from XXXX XXXX XXXX from Discover Card, please see 3rd. paragraph stating that the rate reduction will be reflected on my next monthly statement, i.e. XX/XX/2018 I have received the monthly bill with the wrong monthly amount of {$97.00} which I can not pay. Upon contacting Discover card via telephone during the past week, and today, in several opportunities they have declined lowering the monthly payment. As you can see Discover is non compliant, as I understand once it is written they have to respect what they offer. Please look into this matter ASSAP as I do not have the amount they are forcing me to pay this month. You need to have Discover card to stand for what they have in writing it is against the law to lie in such a manner. Thanks for your prompt reply. 
Respectfully, XXXX XXXX XXXX
I emailed a debt validation letter to Synchrony Bank on or about the end of XX/XX/XXXX. I received a call on XX/XX/XXXX and I spoke with XXXX XXXX she stated she was responding to my inquiry. I received a letter dated XX/XX/XXXX from XXXX XXXX  and XXXX XXXX President, Chief Executive Officer. The letter stated " we have reviewed you accounts records and verified we have accurately reported your accounts history information to the major credit bureaus. Since we have reported accurate information pertaining to your accounts, we are unable to delete or modify the status as reported ''. I have received several credit reports from XXXX after disputing this account and it continues to show the same inaccurate reporting information. I continue to dispute with XXXX and they always say account verified. The letter dated XX/XX/XXXX states that the XXXX account XXXX was open XX/XX/XXXX. The open date on XXXX is reported as XX/XX/XXXX. That would not be accurate reporting if the opening is reporting XX/XX/XXXX and not XX/XX/XXXX as Synchrony and XXXX XXXX stated in the letter dated XX/XX/XXXX. Your letter stated that the last payment received was on XX/XX/XXXX and XXXX show XX/XX/XXXX has a 30 day late and a 30 day late for XX/XX/XXXX. According to your letter that you have been reporting correctly. That would not be accurate reporting if XXXX show XX/XX/XXXX reported a 30 day late. That would mean no payment was received for XX/XX/XXXX according to the credit report that is currently being reported to XXXX. You stated you charged off the account in the amount of {$950.00} on XX/XX/XXXX. That charge off amount is not reported on XXXX  file. That would be inaccurate information you have the status as chargeoff but no amount. You have a high credit of {$950.00} but no credit limit. That would be inaccurate reporting, how do you have a high credit with no limit. I am sure Synchrony Bank you are going to say you are reporting correctly but XXXX credit report reports say different. I am sure that you know that all information reported to the credit bureaus by law are to be reported accurately. I can fax you the credit report I currently have from XXXX that validates this Inaccurate reporting. I want this account deleted from my XXXX, XXXX and XXXX. I have had several disputes with XXXX as recent as XX/XX/XXXX that information is being reported inaccurate based on the information from Synchrony Bank and XXXX credit file. I am not sure how Synchrony Bank validates accounts but this one is not being reported accurately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am requesting this account be deleted from XXXX, XXXX and XXXX Inaacurate reporting.
Hello, I am writing this complaint with regards to a Balance transfer I did from my Capital One Credit Card account to XXXX XXXX XXXX Credit Card account on XXXX XXXX, 2015. I put the account number of my XXXX XXXX XXXX 's account and submitted the transfer. After 10 days when the funds were not showing on my XXXX XXXX XXXX 's account, I called the Capital one for the status and they confirmed me that funds have already been sent out. After further investigation, it was found that the funds were actually sent to XXXX XXXX instead of XXXX XXXX XXXX. They put my XXXX XXXX XXXX 's account number but sent it to the wrong address to XXXX 's and I do not have any account with XXXX 's. We then had a conference call first which was between me, Capital One and XXXX XXXX XXXX and they, XXXX XXXX XXXX, confirmed that the account number was right which I requested for Balance Transfer but they have not received any payment or funds. Then we had another conference call which was between me, Capital One and XXXX and representative from XXXX confirmed that I do not have any account with them, so they can not find any payment or funds. 
Later Capital One started investigation and as per them, they requested XXXX to return the funds from there missing file. This was done on XXXX XXXX, 2015. 
Yesterday, XXXX XXXX, 2015, when I called Capital One for an update, they told me that they have not received any funds back from XXXX and also they can not guarantee to refund my money if XXXX do n't reply them. 
I provided the correct Bank Information and Capital One erroneously wired/transferred funds to the wrong Bank. I have not received any funds, it was their error, yet they will not correct my account balance on the original credit card unless XXXX refunds. 
Thank you, XXXX XXXX XXXX
I have disputed the late payments on this XXXX XXXX account for months. Equifax and XXXX  have reversed them but XXXX is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXXl located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.
XXXX continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2017 etc. I contacted XXXX Credit Bureau by phone and mail. I was told by XXXX that credit inquiries are FACTUAL, I don't ' know what that means and when asking the XXXX representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.