WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/XXXX, I began the process of refinancing my existing Variable rate first mortgage with Homeside Mortgage Company in order to lock in fixed interest rate. I explained to the Homeside Representative handling my account - XXXX XXXX - the terms I was looking for, and was promised by him ( at various times throughout the transaction ) the  following : 1. The {$450.00} home appraisal cost would be credited back to me at closing ( it was not ) 2. It was " against the law '' to continue paying my homeowner 's insurance separate from my mortgage - apparently due to the level of equity and the debt to value ratio of the fixed rate loan. Additionally, he said that now I " won't have to worry about paying my homeowner 's insurance policy anymore '' because the mortgage Homeside was selling me would " take care of it ''. However, due to a miscommunication between my homeowner 's insurance company - NJ Manufacturers - and Homeside, the balance of my XX/XX/2018 homeowner 's policy ( approx. {$880.00} ) was NOT accounted for at closing and is still due. After pointing this out to Mr. XXXX, I was informed that I would have to " pay it separately - which is now apparently not " against the law '' to do. 
3. The money to pay off the mortgage I was refinancing would be wired to the mortgage holder - XXXX XXXX XXXX XXXX - on Monday, XX/XX/XXXX. It was not - a paper check was " over nighted '' and arrived there on Tuesday, XX/XX/XXXX, apparently because the wiring instructions were not clear ( XXXX vehemently disputes this and said the instructions were included with the payoff letter they sent to Homeside ) 3. As long as the XX/XX/XXXX payment due on the mortgage I was refinancing was paid at some point in XX/XX/XXXX, my credit would not be affected. Today - XX/XX/XXXX I was informed by XXXX  that there is a " late payment '' notated on my account from XXXX for the XX/XX/XXXX mortgage payment ( currently under dispute ) ( * Please Note that I signed the closing papers for this mortgage in my home on Wednesday, XXXX ) I feel that I was misled by Homeside throughout the transaction, and suffered various consequences due to their incompetent handling of the appraisal of my home, escrow analysis of the refinanced mortgage, payoff of my old XXXX mortgage, as well as the whole closing experience.
Problem is with Bank Of America. I had a credit card with them that I did not use at all. they sent me a promotional offer of 0 % - XXXX $ XXXX XXXX XXXX limit to use for 18 months with no interest. I called a representative and they sold me on it as a no interest fee or late fee for 18 months. I accepted and used about 2000 $ with them as a XXXX XXXX. I kept checking my phone app every month and throw in a little something there ranging from XXXX $ to XXXX XXXX Last week I got an email that I have an amount due / late. I was under the impression that I should not have late fees or interest fees. I received an automated call letting me know your account is in debt. I talked to a representative last week who had ZERO knowledge ( i hope you pull the recorded call ) and she didn't know how much is the late fees or interest payment so it was a very misleading call. I paid the minimum payment required next morning - I was surprised over this weekend that my credit score dropped a XXXX points and a missed payment was mentioned!!! 
I talked to a manager called XXXX letting him know that this was a misleading info. I got while being sold on this XXXX XXXX and there was a high pressure sales on me. I asked him to conference me in with a credit analyst and he said he will file a dispute on my behalf for this credit reporting issue. He then sent me to an answering machine as they were all out. I called again and talked to a manager called XXXX and she said XXXX did not submit anything on your behalf!!! - he was deceiving me to get off the phone I guess. Then she told me there is NOTHING we can do about the credit reporting we did against you. And guess what they decreased my credit limit to XXXX $ from XXXX $ to start incurring interest. 

I need your help as I am closing on a home and this is really going to make me lose the opportunity. Does it make sense for someone who has access to cash of above XXXX $ to miss a XXXX $ payment and get a XXXX points deducted on his credit report??? 

High pressure sales and misleading info. and In-knowledgeable staff members caused me to fall for that sales pitch from Bank Of America. Unfair practices from their managers to. 

I need your help to get my credit report back to normal and have Bank Of AmericXXXX remove that report so I can close on my house. I also need any late fees or interest to be removed. I am willing to payof that whole balance and close my credit card with Bank Of America immediately.
Security finance in  XXXX  Tennessee reported late payment to the credit bureau  XXXX   XXXX  2016 I have since paid the account off and owe a  XXXX  balance however the account is still showing a negative mark on my account and severely affecting my credit how do I go about having this removed.
I have been fighting with a collection company called XXXX XXXX XXXX that is apparently a collection agency for XXXX University, I attended XXXX University in XX/XX/XXXX-XX/XX/XXXX and they were horrible, and even sent certified confidential transcripts with my social security number on them to a person with the same name in Louisiana. I have disputed the mark on my credit, I have sent them letters so this is the next place to go. Do not ever go to School at XXXX University.
I wish I knew what has happened. I was recently denied a loan due to excessive inquiries ( my score is around XXXX XXXX. I did just recently purchase a new vehicle and knew I would have a couple of inquiries but I was told by the loan XXXX that I have over XXXX hard hits in my credit. I called the car dealer and he assured me I only was sent out to XXXX banks. I am getting letters in the mail about loans that I have n't even applied for. When I tried to pull my credit report to review these items so I could dispute them, I ca n't pull my report. After checking into this, I am evidentially XXXX of the XXXX XXXX affected by the recent information hack at equifax. So I ca n't even check my own credit to dispute the illegitimate inquiries. I do n't know if my personal information has been compromised or if a dishonest dealer hammered my credit. But they should have told me. I would like to see these items removed because the high number is impacting my score by around XXXX points, and as a business owner this is critics. Thank you.
We refinanced a mortgage that was help by PNC in XXXX. PNC provided the new mortgage holder with an unrealistically high payoff estimate and we asked them to provide a newer, updated estimate before closing but they refused. They were eventually sent {$830.00} more than was necessary to pay of the old mortgage in XX/XX/2017. We asked them to refund that to us by direct deposit into the same account that we had been using to make our payments for the last 10 years and they refused. They placed the funds in an Escrow account and said they would return it to us within 20 days. On XX/XX/XXXX the money was withdrawn from escrow and I was told in a secure message that it would be mailed that day. We still have not received the check and they are not able to provide any proof they have mailed it. There was no legitimate reason for them to hold the funds for 20 days and no legitimate reason for it to take an additional two weeks to make it to us through the mail. The only advice they have for us is to continue waiting.
Residential Credit Solutions ( RCS ) forced me to use an escrow account, despite having no legal authority to do so. I request that all funds that were held in the escrow account be returned and refunded to me immediately. It is the only ethical thing for Residential Credit Solutions to do. There was also an overpayment in the amount of exactly {$130.00}, I request that this amount be refunded as well. 

Please see the attached letters from my lawyer, XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. These letters clearly narrate and state the abuses committed by Residential Credit Solutions. I have paid my property taxes on time for over ten years now, without ever missing a single property tax payment. I do not see why RCS assumed the responsibility of paying my property taxes, and without my permission or consent. RCS had no legitimate or logical reason to do this. Please see the attached XXXX RCS statements and XXXX of my own bank statements that show the amounts that RCS was charging me in escrow fees. Please note that my monthly mortgage loan payments are exactly {$2600.00}. 

Finally, Residential Credit Solutions informed the Consumer Financial Protection Bureau that they were in fact going to help my refinance my mortgage loan. Please see the attached letter from RCS dated XX/XX/XXXX. They did not help me, they instead transferred the servicing rights to my mortgage loan back to XXXX XXXX XXXX. Please see the attached letter dated XX/XX/XXXX.
Date : XXXX XXXX XXXX XXXX owed : XXXX XXXX bank atemping to collect a debt delinquent
I went to XXXX in XXXX MS to cash my check my check was declined. I have been cashing the same check at XXXX for the past 5 years. I was given a code from Certegy I called their customer service they would not give me a reason but rambled on with different things but it was not specific on the reason. Certegy displays discriminatory evaluating a client when a person is cashing a check and has created a bad customer service for the XXXX Consumer. As of today 's date I have no idea for the decline and they would not tell me and verify the reason why. A few months ago I resolved a check that they said they would delete the check from their system as of today 's date it is still showing in the system as a bad debt and even though they deleted it from other agencies they are still having the same check in their system as not resolved and a bad check. They had already advised they were deleting the check and mark it as a paid and closed account but now they are alerting other check cashing agencies the same information and not deleting the check as agreed.
XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all been previously deleted, but continue to be put back on and I had no contract with these creditors.
There were account open for capital one Bank USA NA.XXXX XXXX XXXX UT XXXX onXX/XX/2019 which I didn't open..I had call capital one creditor there don't see anything on file on my name. Could you please check it out for me please thanks
I received my EQUIFAX credit report and discovered that XXXX XXXX had fraudulently initiated an inquiry into my credit report on XXXX/XXXX/2015 without my written authorization. 
This acts of misdeed of the employees of XXXX XXXX Delaware is in clear violation of my privacy Acts, where I had not consented to this inquiry.
In response to filing a complaint with the CFPB, capital one has responded by no longer sending monthly statements. The last statement I received was XXXX 2015. 
I also have been blocked from accessing my account online. The Honorable XXXX XXXX will undoubtedly begin his response discussing my bankruptcy. However the case has been closed for a year I 'd like to have statements and online access. I have asked and been told by XXXX XXXX to call someone else at Capital One. His response unhelpful and unprofessional. Capital One has determined that they will not respond to my calls. See email attached from their attorney stating that I am not to call nor will not get any responses. 
I have been the victim of Capital One 's retaliatory and predatory nature and in fear of them sending their attorneys after me for calling I am unable to call and appealing to the CFPB for assistance
I purchased a stereo from XXXX XXXX back in XXXX 2014. I paid for the stereo in full. A month ago a collection company contacts me stating I owe {$3000.00}? I do not owe this company any more money. This is fraud.
I went into the branch near by my employer to withdraw {$40.00}. The teller informed me I didn't have enough funds available. I spoke with XXXX XXXX, who had informed me that I somehow had been enrolled in their " Debit Card Advance '' program, meaning even if I do not have the funds to cover my transactions, the bank will cover the charges for me and charge me a {$35.00} fee each time. I thought this was odd considering I experienced a huge problem with this program in the past and was certain not to be enrolled, but I kindly asked Mrs. XXXX to un-enroll me from that option, she stated she had. Just a couple days later ( only 24 hours after my employment direct deposit was made in the total amount of {$950.00} ), my card was declined at a local grocery store. I attempted to check my account via my TD Bank Mobile App and I received an error of " too many login attempts, try again later ''. This was strange, I use " face recognition '' to login. I was unable to view my transactions all weekend. I called the number on my card and was on hold to speak to a rep for over 114 minutes each 21 times I called. The following Monday I went into the XXXX branch yet again and spoke with Mrs. XXXX yet again, and she had informed me that I was again, enrolled in the " Debit Card Advance '' program ... ... AGAIN! She un-enrolled me and informed me there was nothing they could do regarding the fees acquired and recommended I contact the number on the back of my card. I did and they refused. Still unable to view transactions I asked the rep how much the fees totaled, he replied : {$230.00}. It wasn't until yesterday ( XX/XX/10 ) when I was finally able to log on to the mobile app did I see the actual amount of fee 's I was charged for. In a 7 day period I was charged {$930.00} in overdraft fees!!! I have spoken to the reps inside the branch itself and via " XXXX '' number, including supervisors. They all refuse to credit me back the obscene amount of fees they CONTINUE to charge me. I have captured screen shots and statements of everything!
I have an account with XXXX XXXX XXXX that was originally opened back in XX/XX/XXXX. I have been disputed the status of the account on my Experian credit bureau report for several months now due to fraudulent charges from a lost/stolen card reported back in XX/XX/XXXX I believe. Honestly I can not remember the exact dates as it had been a long time ago and aot had happened, but I can tell you this much my Identity was stolen at some point late in XX/XX/XXXX including social security number and my banking information among some other personal information. So not only was my XXXX credit card compromised at some point in XX/XX/XXXX or beyond, but my identity was compromised as well. I had filed police reports about my identity theft with the alleged person I think was the perpetrator. However nothing was ever done to prosecute him to the best of my knowledge. Although I did provided the local police department in XXXX IA with some evidence, they seemed to have lost the evidence I provided them. I feel like the police either didn't care about my case or he had somebody working with him from inside the police force itself. You know as well as I do that there are crooked police officers out there unfortunately. Anyway, I filed all fraud reports with XXXX XXXX XXXX in a timely manner and to the best of my abilities. However, if they requested any follow up with me, I was out of state after XX/XX/XXXX due to some personal issues. I'm not sure when the account actually went into a negative status, but it never should have due to the fraudulent activity on the account from the loss of the card I previously mentioned in this statement. I have nothing further to add at this time. Please refer to all my previous disputes I filed with the Experian credit bureau specifically. Thank you for your time and understanding in this matter.
I found out about this account XX/XX/XXXX. I found waypoint resources based out of Texas has reported on my credit. I never received no documentation or letter regarding XXXX XXXX. I also have two collections collecting on the same debt credit collections in XXXX  also collecting. Which they was paid XXXX   for the balance. Waypoint resources refused to help resolve issue.

From XX/XX/XXXX- XX/XX/XXXX my apartment was damage to Hurricane Irma. I moved back in my apartment on XX/XX/XXXX.
I recently sent a letter to Department of Revenue regarding me not receiving my state taxes. I submitted documentation stating I do not own any monies to Department of Revenue. Then all of sudden get this letter from a PennCredit regarding vehicle taxes never register my car for a different state.. I think this is a fraud please help I have supporting document ... 
XXXX XXXX XXXX XXXX, PA XXXX XXXX
I have been paying chase bank monthly for one year yet they still show on the credit report that no payments have been made. In addition, one year prior to this was their delay not mine in " waiting '' for 6 months to pass once my XXXX mortgage was modified ( after a job loss ). They then took several more months to decide not to modify and I was forced into a one year repayment plan which concludes this month. The excessive time taken by their slow churning big business wheel severely impacted my credit score. Despite requests monthly to report accurately that payments have been made, their response was " that 's the way it is done at chase '' I have been unable to recover from the credit score horror chase bank has caused and have been severely punished in every other form of financial service needed, such as car loans, credit cards, etc. Paying exorbitant rates because of this credit score. Please help me fix this problem. Thank you.
I recently checked my credit report and saw a line posted b y Stella Recovery , Inc.,  saying I owed them a debt of {$56.00} and the Original Lender is  XXXX . I talked to  XXXX  and confirmed that not only I do not owe  XXXX  any money, but I also never had an account with  XXXX . I called  Stella Recovery and the person told me that the debt was from an address that I never lived before.
I have a judgement from Kramer and Frank PC for a vehicle purchased for XXXX thru XXXX XXXX from XX/XX/XXXX?? Been so long I do n't remember. When the economy went bad in XX/XX/XXXX we had to let it go, and returned it to the XXXX dealer in XXXX Mo. After that we received a letter stating the vehicle had been sold at auction for XXXX, reducing the amount we owed to XXXX. At the time we also lost our home, so the vehicle was not at the top of our priorities. Today, 11 years later this company continues to garnish my wages. They show I have paid XXXX and still have a total due of XXXX! A year and a half ago, a relative had me ask them if they would accept a settlement, I gave them an offer and they laughed. They said they would accept XXXX. My wife has become ill and has been XXXX with a XXXX, she can not work and is in XXXX. When they renew their wage garnishments every few months, our income gets tight, and we can not purchase all of her medications sometimes. The worst thing of all, XXXX does not even have a record or account with my name on record anywhere.
I do not have a signed contract nor any contract with AR RESOURCE INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCE INC. I am not responsible for this debt with AR RESOURCE INC. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
There is an account on my credit report that I have disputed several times with Equifax. XXXX and XXXX have deleted the item from my credit report because it is past the statute of limitations. However Equifax persists to have the item remain on my credit report. I do n't know how long they plan on reporting it, however, at this point I can not afford to wait. I have loans pending and this item is holding me back. The item is a dismissed Bankruptcy from 2007 ( Case No. XXXX ). From all of my research this item is supposed to be removed 7 years from the filing date. We are now at over XXXX years!!
XXXX IS LISTED ON MY REPORT TWICE- ONCE ASA JUDGEMENT AND ONCE AS A CHARGE OFF- WHICH IS XXXX NEGATIVES FOR XXXX THING THAT HAS BEEN PAID OFF. I NOTIFIED TRANSUNION OF THISTO BE TOLD THE CHARGE OFF WAS REMOVED AND YET AS OF XXXX/XXXX/15 IT IS STILL SHOWING ON MY REPORT.
My husband and I filed Chapter XXXX in XXXX 2013. We did NOT include our mortgage, however, Bank of America has reported on our credit report that our mortgage was surrendered in a bankruptcy. This is a bold face lie. We continue to pay our mortgage regularly and on time to Bank of America, yet they will not remove this lie from our credit report. Also, they have not been reporting our ON TIME payments to the credit reporting agencies. This has been ongoing for almost TWO years. What can we do to force Bank of America to correct this injustice?
This complaint is against XXXX and XXXX for not removing bad information from my credit file. On or around XX/XX/XXXX, a cell phone account was opened at XXXX XXXX. I do not have a XXXX phone and have never had anything to do with this company. I was told by XXXX that this account was sold to a collection agency ( XXXX ) in which I found out is on my credit report with XXXX and XXXX. I filed a dispute with XXXX and XXXX and received info that this particular account belongs to me. First of all I found out thru XXXX that this account is under a different name with my ssa #. Secondly, XXXX deleted after I disputed in XX/XX/XXXX but intern added it back into my credit file in XX/XX/XXXX. I refiled the dispute with both XXXX and XXXX. How can you file a complaint one day and a day later, both credit bureau have the investigation complete and you receive their results within a few days in the mail. I honestly feel like both XXXX and XXXX should be shut down for inaccuracies. Everyone that works their has bad English and very rude. I feel if they do n't get some kind of training on how to handle disputes and keep records accurate, they should be shut down.
IN XX/XX/1995 I TOOK OUT A CD ITF FOR MY SON. WHEN I WENT TO COLLECT THE CURRENT BANK SAID IT WAS OVER 7 YEARS TOO BAD. THEY DENIED MY CLAIM. THE BANKS INVOLVED WERE FIRST XXXX OF FLORIDA WHICH WAS BOUGHT OUT BY WAKOVIA WHICH WAS BOUGHT OUT BY WELLS FARGO. THIS OCCURED IN THE SAME LOCATION AND ONLY THE OWNERS CHANGED.I HAVE THE ORIGINAL PAPERWOOK FOR DOCUMENTATION. TREATMENT BY THE BANK WAS SHODDY AT BEST.
Experian has ignored my requests for disputes of incorrect information on my credit report several times. I was sent a letter a few years ago after attempting to dispute inaccurate information on my report stating they wo n't respond to me because they did n't think the letter I sent came from me. I have tried disputing online and was denied for unknown reason. They 're currently reporting incorrect information on my credit report that they wo n't allow me to dispute, because of this I have been denied car loans.
Merchants Credit reported to XXXX a collections debt that was not mine without ever contacting me to verify if the debt was mine.
Credit bureaus are reporting inquiries that I have no knowledge of. I wasn't extended any credit from the below listed companies. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX