WillisBack/dataset-financial-user-claim huggingface dataset:
A computer glitch that was  Trans Union  's problem not mine caused my inquiries to be deleted from my credit report twice.  Trans Union later added them back on my credit report without giving me the legally required written notice five days  prior to re-adding them. I have contacted  Trans Union  in good faith to remove the inquiries that they had illegally re-added. I have called a total  of three t imes and spoke with different agents who refused to remove the inquiries. I recently spoke with a supervisor name via on  XX/XX/XXXX who stated they will not remove the inquiries. The inquiries have added a hardship and my rights were violated by  Trans Union .
My mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. Upon receiving notice that my loan had been transferred, I received a new list of servicing costs from XXXX XXXX XXXX. The fees now being charged for basic services have all risen drastically. In one case -- fees charged to litigate a claim against me -- has gone from {$350.00} to {$20000.00}. Another fee -- the fee charged to compensate attorney for services rendered -- has gone from {$30.00} to {$35000.00}. I do not foresee the need for either of those happening, but it certainly would be a serious issue were I to need to file a case against my loan servicer. Additionally, even the fees I need to pay if I wanted to refinance and get away from XXXX XXXX ( e.g. appraisal fee, inspection fee, lien release fee ) have all gone from {$0.00} to several hundred dollars.

I was not consulted when XXXX XXXX sold my loan. I am now with a company that clearly wants to keep me as a customer by making my switching costs extremely high. This is completely ridiculous.
Carrington Mortgage Services LN  XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX  ,   XXXX   XXXX   CA   XXXX   On  XX/XX/XXXX  we started a short sale with  XXXX , who was the servicer at that time. It has since been transferred to Carrington Mortgage Services ( CMS ). On  XX/XX/XXXX we faxed a complete short sale package to CMS. On  XX/XX/XXXX  CMS claimed their BPO came in at $ 260k and they countered the buyer at this price.
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This price is not at market value and we have requested a copy of the BPO multiple times ( as per ECOA guidelines set forth by the CFPB ). CMS has outright refused to provide a copy of the BPO, stated they dont have to follow anyones guidelines, and insisted that the BPO came in at $ 260k.
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We have since received an appraisal done by a Licensed Appraiser adn the value came in at $ 197k. it is obvious CMS has manufactured the value of $ 260k and has therefore committed Valuation Fraud.
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Well, since we were planning to go after the BPO agents license for Valuation Fraud, we decided to discuss this with said BPO agent. The BPO agent emphatically insisted he did NOT bring the value in anywhere near $ 260k. That leaves the Fraud resting squarely on the shoulders of CMS not a surprise to us, actually. Every single file we have ever had with CMS has resulted in multiple CFPB complaints as a result of their FRAUD.
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1. CMS forecloses on properties to that they may steal the homeowners equity in the property.
2. CMS forecloses on properties for their own gain, and defrauds their investor out of a full-payoff of their loan 3. CMS forecloses on properties so they may transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves Please read # 3 again CMS has THEIR OWN RETAIL DIVISION that will list and sell properties to the benefit of CMS.
CMS has violated ECOA guidelines by refusing to give a copy of the BPO that was done.
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CMS has committed FRAUD by establishing their own value CMS is refusing to give an appropriate value for the property in order to prevent the short sale from taking place. They are doing this in an attempt to defraud their investor and their own client, and the fraud is happening on many levels.
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I am sure CMS is going to attempt to lie to you, the CFPB, regarding the fraud they are committing. We are getting sick and tired of lenders telling us that they outright LIE to the CFPB, then laugh at us for thinking the CFPB would help.
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This is NOT the 1st time this EXACT COMPLAINT has been made against CMS. Not only are there thousands of other people that have filed complaints for these reasons, but we too have already filed complaints against CMS for these same reasons. We would be happy to provide evidence of this upon the CFPBs request.
I have submitted multiple requests to cancel my PMI insurance over many months and have received multiple responses from " we never received it '', " You still have more paperwork to send '', " you need to resubmit '', " We have no record of this request ''. They still have not cancelled my PMI even though it has been eligible to cancel for many months.
while applying for a credit card from bank of America, the girl i was talking to did not ask me for the routing number of my checking account. when i made a payment by phone of XXXX my bank would not accept the payment. after calling bank of America again and giving them my bank routing number and also my checking account number, i made a payment of XXXX i have my bank statement showing that XXXX was withdrawn from my checking account on XX/XX/18.the bank of America cash rewards credit card company keeps charging me the XXXX on my statement that is due on XX/XX/18. i spoke to a company rep. on XX/XX/18 who told me this problem was taken care of and the bill was paid. i can prove that the bill was paid and would like to have the credit card company stop sending me this bill.
Medical event XXXX/XXXX/XXXX. Medical insurer XXXX initially declined XXXX, but XXXX NV paid the claim XXXX/XXXX/XXXX, according to plan negotiated amounts. A series of debt collectors have been harassing for 4 years now. Repeated phone and written contact appeared to end in XXXX after my last correspondence, but now written demands have restarted. Each time, I provide a copy of the XXXX explanation of benefits showing payment to the service provider. Each time, the $ amount of the purported claim appears to change, though. An extra XXXX cents in XXXX, a XXXX instead of a XXXX in another, things that might seem like innocent typos, but which suggest also an attempt to look at the demand as a new claim. There was XXXX medical visit, and XXXX bill for services rendered, which was addressed by the insurer. And each time the debt collectors send a demand, it comes from another entity, most recently Central Credit Services with a XXXX mailing address for correspondence and an XXXX XXXX paying address ( the same address as the most recent XXXX demand from XXXX ). Most recently the claim is listed as XXXX of XXXX XXXX, who it appears obtained it from XXXX. This claim continues to be on my credit report, despite requests that they correct this. I am concerned not only about my situation, but that this may be a broader practice, an attempt to baffle the consumer ( or an elderly consumer 's family or estate handling their finances ) into thinking a bill is unpaid so that the debt purchaser gets some return on their investment. Thank you in advance for your assistance with this.
My name is XXXX XXXX, and this is a follow-up to complaint number XXXX I filed on XXXX XXXX, 2016. On XXXX XXXX, I received the attached letter from BOA stating that I could no longer transfer money from my BOA savings account to pay my BOA home loan account. I just find this timing of this letter to interesting as it is drafted a day after my complaint filed with CFPB. This letter written by BOA is placing road blocks in the payment of my mortgage and is a bullying tactic on the behalf of BOA and borders some other unfair housing practices. I am asking for BOA to remove the late payments on my account from XXXX 2016 thru XXXX of 2016 and to allow the transfer of my payments from my BOA account to my BOA home loan.
Hello, on XX/XX/2017, when applying for my Best Buy Credit Card, I was promised the credit of 10 % back in rewards on my first purchase when I am approved for a my Best Buy Credit Card. 
I was approved, and made the purchase on the same date ( the order # XXXX ), but there 's no 10 %  back in rewards on my first purchase of XXXX in my first credit card bill. 
I contacted the merchant by messages thru their web site, then by phone, but in vain. 

For a resolution, I 'm looking for is to get the promised award now.
Santander is reporting a debt on my credit file that is not mine! Also, it is past the statute of limitation in New Mexico.
I'm asking can One Main Financial take off all off my close accounts that on my credit report. Thanks
From XX/XX/XXXX to the last letter on XX/XX/XXXX, I have sent several correspondence letters to Equifax to fix errors on my credit report. I have sent in dispute letters as well as a police report and FTC ID theft report and yet these accounts remained on my credit profile. XXXX  and XXXX   conducted their investigation and concluded with removing these items off of my credit profile because they did not belong to me.The next step is litigation after I have repeatedly given information and reports that were asked of me to get these fraudulent items and balances removed from my credit profile. Furthermore, no information is given from Equifax to debate the information I have sent them. This is not how the FCRA dictates these investigations to be completed. A thorough investigation must be conducted and all individuals or documents received from he furnisher should be given which caused the verification must be released to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Equifax is well aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

Equifax has ignored my request to provide documents that they used to verify the disputed accounts which means that Equifax have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA, which required you to delete the items when I provided evidence of ID theft. I have repeatedly completed my job to rebut any fraudulent issues on my credit profile.
Bank of America charged me an annual membership fee on a credit card I had already asked to close. They removed the account from my online login but continued to take the annual fee out of my checking account.
I 'm complaining today about Personal Finance Company and Mariner Finance 's never-ending attempt to continue to make claim to a debt that has been charged-off in XXXX XXXX bankruptcy. But now they state in a letter ( SEE attached letter ) dated XXXX XXXX, XXXX that THEY 'VE TRANSFERRED my ALREADY CHARGED-OFF, IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), Personal Finance Company LOAN account number ending in XXXX to Mariner Finance as  account number XXXX!!! WHAT???!!! They need to understand the rules and the laws of personal bankruptcy which is the debtors personal liability ( Me, XXXX XXXX, XXXX XXXX for a dischargeable claim is WIPED OUT FOREVER!!!!, if the creditor ( Personal Finance Company ) got notice or if there was no payment to creditors in the case ; therefore, according to this rule, Personal Finance Company had no authority or right to transfer this debt ( account number XXXX ) to Mariner Finance that no longer exist! How is this EVEN remotely possible since this loan ( Personal Finance Company LOAN account number ending in XXXX XXXX has already been CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX )!!!!??? What 's really going on here?? How can Mariner Finance OWN a loan that has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), GONE, DOES N'T EXIST???!!! Furthermore, it is illegal that Personal Finance Company and Mariner Finance TRANSFERRED a loan that has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ), GONE, DOES N'T EXIST and they continue to insist that Mariner Finance now OWNs a LEGALLY CHARGED-OFF IN, CHAPTER XXXX BANKRUPTCY LOAN ( Case Number XXXX as of XXXX )!!! I hope that you, Consumer Financial Protection Bureau and the Federal Trade Commission come up with a reason and an answer to my questions and find out what federal bankruptcy laws Personal Finance Company and Mariner Finance have violated. I will also be notifying the Attorneys General HERE in Kentucky where Personal Finance Company and Mariner Finance are located. Either this loan, Personal Finance Company LOAN account number ending in XXXX is CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY ( Case Number XXXX as of XXXX ). See the attached chapter XXXX bankruptcy creditors list showing XXXX XXXX representing Personal Finance Company. THIS debt has been LEGALLY CHARGED-OFF IN CHAPTER XXXX BANKRUPTCY, GONE, DOES N'T EXIST!!! or Personal Finance Company and Mariner Finance are involved in some type of nefarious activity that further deserves investigating. If their doing this to me, how many others are they performing this nefarious activity? Please get to the bottom of this for me Consumer Financial Protection Bureau and Federal Trade Commission.
I TALKED TO EXPERIAN ... XXXX ..XXXX.. 
THAT IN MY SUMMERY REPORT HAS OLD 8 YRS. 2MO ... .AND 7 YRS. 6MO.

2 YRS. THAT IS NOT MINE .I NEVER HAD ANY LOANS. THES ARE OLD. THEY NEED TO COME OFF AND DELETED OFF MY CREDIT REPORT. I HAD IDENITY THEFT.. ALREADY BEEN REPORTED TO THE POLICE DEPT. FILED WITH FTC.
I continue to receive phone calls from Wells Fargo Home Mortgage that are harassing. They will call me, I answer, the representative will wait on the line from XXXX7 seconds and then release the call. I have repeatedly called back to gain assistance from " supervisors '' as to why the harassment continues and they can never give me a reason. I am transferred around for a minimum of XXXX30 minutes to no avail. Today I was told, " the employee that called said you were unavailable '', which is falsifying company documents. They are required to state who they are, the company with whom they are calling from and the business reason for the contact. The supervisor I spoke to today stated, " Well, if you know it 's about your mortgage what does it matter if they 're hanging up and not speaking? ''
I graduated XXXX school XX/XX/XXXX and have made automated payments since XX/XX/XXXX to XXXX XXXX ( and then Navient XX/XX/XXXX ). I have a fixed rate of 3.5 % after repaying on schedule for 36months. Original loan was at a 4.75 % Fixed interest rate and I receive 1.25 % reduction awards. 
My complaint is that XX/XX/XXXX my note increased by {$160.00} with no known warning. I do not recall any warning of this increase but I do remember receiving the notice that my loan was transferred to Navient. This increase placed my my monthly note very close to XXXX of monthly net income making it very difficult to keep up with other payments such as insurance, house and vehicle notes. 
I must admit it took me a while to discover that was the reason my personal account was not balancing for me. I continued to pay because I did see that this was going directly to my principle and helping to pay my loan down faster. 
XX/XX/XXXX things became especially hard with continual increases in my monthly health insurance premiums. I called Navient and submitted online to receive information on other repayment options. I received a return call and was offered a balloon repayment plan that would increase my note an additional $ XXXX-XXXX per month for a shorter period. A plan that was even more unaffordable for me. The caller informed me that this was the only reduction plan for which I qualified. Since then I have received weekly and at times daily calls offering me the opportunity to enroll in federal repayment programs for a fee. While these options sounded better, I am skeptical of solicited calls and could not accept any of their offers. 
It is now getting to a point that this monthly note feels overwhelming and part of the reason that I can not save or improve my living conditions. It is a great deal higher per month than my house note, car note, and soon I expect that my health insurance note will be it 's only close rival, consuming my monthly income. 
Another concern is that the Navient website does not supply me with the name of my original lender. I am almost positive that my loans are both federal as I have never taken a school loan through a bank but I should be able to readily access this information through my Navient account. Instead the space next to Lender is left blank. 
I need better options. I need lower payments. I need lower percentage rates. I need help and Navient is not offering me any solution but to stay enslaved to this debt.
A Demand letter came in the mail for {$160.00} on Tolls that coast {$2.00} each way through a tunnel. I Never received a bill so that i could pay the Toll, they sent it to a Lawfirm called Linebarger Goggan Blair & Sampson, LLP in TX. I called the Lawfirm, they told me if i never received my bills it isn't there problem and it doesn't matter I just have to pay the balance owed. There was no proof or bill of my car & it's license plate Number or picture isn't on demand. Only an Account number they gave me on their demand letter which never stated that my debt was going to Accumulate over {$100.00} in Over a month. Keep in mind that i received my bill at the beginning of XX/XX/XXXX and the bill was mailed out XX/XX/XXXX. So from the day the bill was mailed it was adding more to my bill that I was never made aware of until it was to late. As someone who is struggling to put food on the table and gas how do they ever expect some one to pay this. I would have rather paid the {$2.00}. This has been an ongoing problem for the XXXX XXXX XXXX in downtown XXXX, scamming people out of hundreds and thousands of dollars. XXXX XXXX is that i was never given proper notice of a small simple bill & now this is on my credit tarnishing it over a {$2.00} Toll.
I tried to get a new and I was denied. I ask to speak with the finance manager and he went over my report with me. Its several things on there that are not mine. Please remove from my credit so I can get a car to get to and from work. Here is the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I dont know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX  XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX XXXX.
I really need your help with the credit score because, as a result of the short sale, my credit score was reduced and I, being self-employed, am unable to obtain contracts to support my business. 
I went through a hardship, severe medical issues and 90 % decrease of income within the last 5 years. I was advised by XXXX XXXX, XXXX XXXX, Client Relationship Manager, and XXXX XXXX, Assets Disposition Department NOT to make our mortgage payment in order to qualify for any retention or liquidation options. 
I was originally placed on a forbearance plan that I was still unable to afford. Essentially, the forbearance plan ( type of retention option ), was designed to lower the mortgage payment ; however, in reality the forbearance only increased the loan amount owed - accrued late payments, principal and interest added to the back end of my loan. The forbearance, in itself, made my property underwater ; therefore owing more than the market value. 
Since the forbearance was no longer an option ( again referencing my medical hardship ), I was forced to short sale my property and move where I am now renting a home that is 50 % less square footage This is a XXXX, XXXX XXXX ( no doc ) loan. XXXX, the originator of the loan, sold the Servicing rights to XXXX XXXX when I became delinquent on my mortgage payments. The XXXX Loan Officer also told me I would need to be delinquent on my mortgage payments to qualify for any assistance due to my hardship. 
I believe there were numerous compliance irregularities during the origination of my loan due to the lowered underwriting standards. 
Additionally, the property was originally appraised at XXXX XXXX. Due to the recession, the value was decreased to {$620000.00}. 
I caused none of this. I was advised to be late on my mortgage payments ; I was caught in the middle of a recession and also XXXX all in a condensed period of time.
There are items on my XXXX report that are not accurate and is preventing me from having a XXXX FICO score. The following include : 1. Negative Account Information : XXXX XXXX that dates back to 1987.  This should have been removed from my profile. 

2. I have been borrowing money for the last 30 years with the bulk of the borrowing coming in the last 5 years and still events from 30 years ago are factored into the FICO score.
I opened a new credit card with Santander Bank and started using it on XX/XX/2018. The bank offered a promotion that said if I spend over {$500.00} within 6 months of opening the card, they will give me {$100.00} cash back, and so I spent over {$500.00} shopping within the first 6 months and waited and waited but I never got the promised promotion {$100.00} cash back. I contacted them by phone but they kept deviating from the subject and told me nonsense about my spending habit. I got nowhere with this problem so I filed complaint with better business bureau. All I got was excuses from the bank for not giving me the promised promotion {$100.00} cash back. That didn't get me anywhere.
My ex husband added me to his XXXX card as an authorized user before we were divorced ... XXXX will not remove this fir me. Equifax is also refusing to remove this. I am not responsible for this account
A hold was put on my cashier 's check and when i called the local Wells Fargo branch I spoke with the branch manager XXXX. XXXX manipulated government regulation and made it sound like she was giving me {$5000.00} of a cashier 's check as a courtesy. When actual regulation requires the bank to give me the XXXX  dollars. Needless to say I feel like I was misled by what actual Federal Regulation is.
XXXX, is reporting that my mortgage loan with them is still open. They transferred my mortgage loan to XXXX XXXX XXXX. The loan should me reported as closed.
they have called repeated times contacting me and my employer at my place of employment being loud and threatening to the people who are answering the calls. Have threatened to garnish my wages.
I was charged a foreign transaction fee of XXXX on XXXX/XXXX/2016. The bank explained that this fee was charged in relation to a ticket purchase I made through XXXX XXXX website because it was made through foreign currency. I advised the bank that I made the transaction through US dollars and that there were no indications on the airlines website or in the receipt I received that there will be any fees associated with the transaction. Since such a fee was not disclosed to me at the time of transaction, I requested a waiver of the fee. My request was denied.
RASH CURTIS AND ASSOCIATES is attempting to collect a debt from me that I have no awareness, via threatening to damage my credit.