WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a loan to purchase a home in XXXX XXXX. I was a pre-approved $ XXXX with XXXX XXXX, Mi Mutual Mortgages. We moved on with the purchase, did the inspection and they were working on the loan. They kept on asking me for documents over and over and I provided them with everything requested. I was told that everything is ok that the loan is just processing and we are waiting for the appraisal. The whole process was longer that usual and the communication very poor. At one point right after the appraisal was done my lender completely stopped communicating with me. He never answered my calls, e-mails or text messages. Just to find out from my realtor right before closing that the loan was not approved and they need more documentation. Now the file got moved to the company 's branch manager, XXXX XXXX, who took over from here. He was as bad in communication as his employees. The only updates I got were from my realtor and she was trying really hard to keep this communication going. They kept promising us that they would review the file at a higher level in the company. All the emails that my realtor shared with me clearly stated that they would n't approve us, but XXXX kept saying that they were working on it. They even pushed us to get an extension where my earnest money would have been jeopardized. Luckly my realtor did not let this happen, knowing that all we have in hand is a promise. At that point the listing agent got involved and he had his wife, who happens to be a lender try to look at this loan and see if anything can be done. XXXX completely refused this. This is when we found out that Mi Mutual had not even done a verification of employment, almost two months into this transaction, although they had all the necessary information from the beginning. 
Now if they knew so long ago that this loan wo n't get approved then why did they do appraisal? I spent {$700.00} out of my pocket and an additional {$350.00} on inspection just to tell us two months later that they ca n't approve the loan. This is outrageous! 
I tried contacting them several times requesting at least my appraisal money back. It was their mistake from the beginning. I felt like they overlooked and ignored my file until later in the transaction and they were trying to save it all at the end. 
Now when I asked for a resolution and my appraisal money back, I got no answer, no response to my emails or calls. I have received no communication from the mortgage company whatsoever. 
More so, going through another lender afterwards, they would only approve me for max $ XXXX. This is almost $ XXXX difference!!! How can they be so off in their calculations if they had many sets of eyes going over my loan? This is unethical and Mi Mutual Mortgages need to be held accountable.
Account was opened XX/XX/2012 account to XXXX in the amount of {$330.00} This should have never even been sold to a collection agency as the original merchandise was brought back. 

Debt is not even valid ; and I formally request that this is removed and closed from my credit report. This has been on here for no reason, for far to long, I would appreciate that the company removes this immediately.
Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to Wells Fargo in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports Wells Fargo already started reporting to XXXX and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to XXXX on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by Wells Fargo and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with Wells Fargo, previously.
I found out I was a victim of identity theft, after going to obtain a mortgage. When I realized this I immediately reached out to the proper authorities, filed an FTC Affidavit and continued on with filing a Police Report at my Local Police Department. I sent XXXX, Equifax and XXXX certified mail on XXXX/XXXX/16 listing the negative accounts and address that showed on my report. As of today XXXX/XXXX/16 ( even though these items are listed in my Police report explicitly ) the fraudulent address and accounts are still listed. This violates section 605b of the FCRA and Section 623a ( 6 ) b. Stating specifically that this information is to be blocked within 4 business days upon presenting a valid Identity theft report. It has been over 120 days, and still Equifax and XXXX willingly choose to violate the law set forth to protect people who have gone through my situation.
Around XXXX of XXXX I became aware of repeated charges ( as many as twice a day, in some instances ) from music and arts, I notified my financial institution of these fraudulent charges, which resulted in having my account number changed. I informed music and arts by phone of these fraudulent charges, and when I began receiving invoices by mail I would also write back telling them that this debt does not belong to me that this is not my account. 
XXXX XXXX XXXX XXXX I received a collection notice from kinum ref # XXXX for {$150.00} XXXX
XX/XX/XXXX : Had received several " Pre-Approved Loan '' mailers from the Lending Club, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX indicating I ( & my wife separately, on separate mailers to her individually ) was pre-approved for a personal loan of up to {$35000.00}. The mailer was sent to me, specifically, with a specific " RVSP CODE '' and a " Respond By '' date inXX/XX/XXXX. We each have received 3 of these mailers in the past few weeks, with different RSVP CODES and later " Respond By '' dates. OnXX/XX/XXXXI submitted an application online to the Lending Club website " XXXX '' for a loan for the purpose of paying off existing credit card & other debt & consolidating into one loan. The site said I would be considered for any loan amount ( {$35000.00} or less ) for which I qualified.. My financial situation had not changed at all between the time of mailing the offer and my application online. Almost immediately I received a reply that " Unfortunately, we are unable to approve your application. '' Not an approval for a lesser amount than the {$35000.00} stated in their letter, but a total rejection of any loan at any amount! The stated reasons were standard " ratio of balance to limit on bank revolving or other rev accts ( sic ) too high '', etc. However, all of this information should have been available to the Lending Club at the time the " Pre-Approved Loan '' mailers were generated. I believe these mailers  represent a " deceptive lending practice '' or a data-fishing practice, whereby lenders induce citizens to provide their personal information, including income, and then deny the application with no obligation to the lender. I called Lending Club and spoke to a customer service person, who offered only a standard response that my credit situation might have changed after the mailer was sent out. As I stated to her, this was not the case.
The collectors used XXXX phone numbers. XXXX and XXXX. They call myself, my brother, wife, sister n law and mother. They left messages to have me call with a case number and threatened legal action. My sister n law answered and they said they were attorneys and gave her a case number and said I put her down as reference. When she told them to quit calling her they said they could not until the loan was paid. This is just plain harassment and a violation of my rights by telling information. The person who left a message for me said company was ATI.
XXXX XXXX,2017 somebody Opened account for {$1000.00} usd from XXXX XXXX and was not me, My credit score got down from XXXX to XXXX in equifax only, for that reason
American Express allowed my personal account be taken over and changed to a business account. I was a victim of fraud. American Express allowed the Fraudster to make unapproved cash transfers from my personal bank account that was linked to this American Express account. When I called American Express fraud line I was treated like I committed a crime. The bank transfers were done by phone calls from the fraudster to American Express customer service. They listen to the recorded lines and I was told the foreign voice did not match mine. A total of {$8000.00} was taken. I have yet to see resolution or return monies. My account was hacked for over $ XXXX from XXXX. I have never left the country. Most of charges have been removed and this took months as my account was frozen. I complaint to the CEO office for help. I never relieved any answers on how and why this happened. I have called several times and American Express has not be able to settle or help. I have made police reports and submitted all documents requested by American Express. My account is now with a collection agency. The fraud started on XX/XX/2017. This issue has been over a year and no resolution.
I made an electronic payment to Chase Cardmember Service on XX/XX/2016 for a credit card payment due on XX/XX/2016. My bank transmitted the payment to Chase electronically at XXXX XXXX on XX/XX/2016 ( a business day ) and debited my account on that same date at that time. Chase posted the payment five days later on XX/XX/2016 and then charged me a {$39.00} late fee. Chase 's posting practice is patently illegal, fraudulent, and designed solely to generate fees.
I went to the free credit report website to request my free annual reports. I was able to get reports from XXXX and XXXX without a problem. However, when I requested my report from Experian, it said that " a condition exists '' that prevented me from receiving my report, and directed me to mail my request. No other explanation was provided. This seems like a very intentional barrier created by the company to reduce the number of requests they receive. By making it more difficult to get a report, they likely stop many people from requesting them, and thus avoid having to provide them and address challenges to the contents.
InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.
my business acct was closed on XX/XX/XXXX no one had permission no one sees i was lied to regarding the waiver that was never put on that should have been each time i got a script about the rules about fees. not right. 
i want the account without a fee for XXXX months this time wihtout being lied to. i dont want a script read to me. i want to see if anyone sees how i was lied to in XX/XX/XXXX. about a waiver. it never stiuck i called each month taking my time up with no recognition here about a lie i was told that should not have been. 
that is not good business. i will not pay a fee please make sure one is not billed for XXXX months in deference to the above. without a script. my account was closed by an XXXX with no permission to do so or cause. i want the waiver. i am contacting the CEO answer this without a script and show true analysis and understanding of the above STOP the form letters as the matter has not been handled at all as of now not properly. so dont refer to earlier letters
I have disputed this thru XXXX and they still will not remove this account. The original creditor is a XXXX XXXX Hospital. I do n't live in XXXX and I 'm not really sure I 've even drove anywhere near there let alone went to a Hospital there.
I am a victim of identity theft : The following hard inquiries listed on my XXXX, XXXX and Trans Union Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
I lost my money in Debit card And I dont know how I have to getting back to my Debit card that ...
On or around XX/XX/XXXX, Citi Card ( XXXX  ) lowered my available credit from {$2100.00} to {$1700.00}. My balance was at the limit when they did this. As a result, I am now {$500.00} over the limit and my mmp is {$620.00} this month. To put this in perspective, below are the last 5 MMPs ( prior to the reduction in limit ) {$82.00}, paid {$140.00} {$76.00}, paid {$160.00} {$65.00}, paid {$80.00} {$78.00}, paid {$160.00} {$86.00}, paid {$120.00} I am experiencing financial difficulty with other creditors, and I do not have the money to make a MMP that is 800 % higher this month than prior months, all because Citi lowered my limit. When I called to ask for help, I was told that I had to go delinquent first, and then they would consider offering payment options. How is it acceptable for a Credit Card company to view a consumer as a credit risk, and then take action that actually puts the consumer in a position to where they can't pay and forces them delinquent?
I went to the bank and made a cash withdrawal from my checking account. After I left the counter, I decided I did not need the total amount, so I stopped at the ATM and made a cash deposit of {$500.00}. The following day, I saw that the deposit had not been credited to my account and I made a complaint to the bank. They told me {$40.00} had been credited to my ATM card and they had no record of the rest of the deposit. I filed a dispute. The bank said they investigated and there was no error on the ATM machine. They have refused to tell me the basis for their decision and will not review the videotape which would show me making the deposit.
On or around  XXXX   XXXX , I requested a dispute of an account (   XXXX   XXXX   XXXX  ) with Experia n Reporting Services ( Dispute  #  XXXX  ) this account was not obtained, authorized and I did n't benefit from its opening. These facts were expressed to the live operator spoken with about my disposition and there was also a notarized Identity Theft report (  XXXX  ), which specified the aforementioned. This was done according to the FC RA sec605.b. This congressonal act gives specific direction to the block accounts specified by a victim of I dentity theft. Instead of blocking the account the service agency, took a " Paid '' account and reported it as a late or Potentially Negative Account, in addition they requested that I contact the creditor as they had no direct contact information on my reporting profile.
I had signed up for a internet dating site called XXXX on XX/XX/17 and the charge was {$65.00}. I found that the site was posting fake ads - there were several ads with the exact same personal introduction. Example : XXXX XXXX XXXX XXXX, CA I think Im pretty easy to get along with. I think its because I like to listen just as much as I like to talk. People find it easy to communicate with me and I think thats a big reason why. 

XXXX  XXXX XXXX, CA I think Im pretty easy to get along with. I think its because I like to listen just as much as I like to talk. People find it easy to communicate with me and I think thats a big reason why. 

I tried in good faith to resolve this with the merchant with no success. I therefore, submitted a dispute with the credit card company. I supplied the above info twice and the reply was that I had not submitted proof to validate the dispute, namely proof of cancellation of the purchase. I was not disputing the charge based on the issues of cancellation/non cancellation but on the quality of the product.
I checked my personal credit report, which I acquired from your Transunion on XX/XX/XXXX and I noticed several unauthorized inquiries had been made. I believe I was a victim of Transunion inquiry issue. Since I have contacted the Transunion and the companies who conducted these unauthorized inquires and asked them to remove these credit inquiries from my credit profile. I spoke with multiple Transunion costumer services specialists, and I was told there was nothing that could be done and their customer service would not help and take care of the negative inquiries reporting to my credit report.I request that you initiate an investigation into these unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX I via XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On :XX/XX/XXXX
Good morning. As we are trying to buy a house, a delinquent notification of an account showed in my credit report from a company called XXXX XXXX XXXX XXXX. I reached to this company and they told me its a debt from XXXX. I have call over a dozen times to this people and have provided them with the info they have asked several times. My mother was a XXXX XXXX and as I was in the XXXX, she used my information to acquire services under my name, like Cable TV and now this. We didn't know until things started to pop up. She died last year of complications from XXXX/XXXX. I did my investigation and she got this XXXX account because the representative at a mall kiosk in PR was her friend and they used my info for her to get 2 cell phones. That employee no longer works there. I have told them the same thing over a dozen times and provided them with all the information. They said they will take it of my report. This has been going on for a while now and they continue to reach out to me. My credit score went down in a huge way thats to them pushing this in to my report and my house buying process is now at a stop due to this. Please, this is getting overwhelming and as I dig in the web, there is nothing but stories and complaints from this company. 

Please Help. Thanks.
I got injured and had XXXX XXXX and lost job, I was not able to pay bills, keep getting calls, so I changed phone number. come to find out XXXX XXXX reported to all 3 credit bureaus I was deceased. XXXX  didn't try to contact me to see if this was accurate instead just put it on my credit as dead
AAFES charged off  XXXX  accounts in  XXXX , in  XXXX  they ( legally? ) started collection actions on the debts. A payment plan was agreed upon and it has been paid each month since.     " The main issue is that they are charging 19 % interest on this charged off debt collection. '' Also, my credit reports show only that the debt was charged off in  XXXX  so they are in essence double dipping on this debt and I am not getting any credit for paying it on time and in ful l. THISSHOULD BE  ILLEGAL!     Hopefully at some point  AAFES  tactics and lawlessness is brought to justice.
I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.
Company is Diversified Consultants. They continue to call me many times a day looking for XXXX XXXX. I have told them several times XXXX XXXX is not at this phone number and please remove this number form their contact list. THIS IS NOT MY DEBT. They continue to harass me and refuse to stop calling. 

They call before XXXX XXXX Arizona time. They hang up after I answer. And call multiple times per day. 

They call from multiple phone numbers : XXXX XXXX XXXX When I call back I am not able to speak to anyone. Get a recorded message.
Hello, I submitted papers to Mr. Cooper ( FKA ) Nationstar Mortgage in XXXX or XX/XX/2017, for a modification for my mortgage ; in which I was approved. I noticed during the 3 month trail period my mortgage payment were more, in which I thought would be less. As I struggle to make the 3 month payments of {$2000.00} after the loss of my job, I received my final modification forms which indicated my mortgage would be more than the original payments before the modification. I was thinking the the rate would decrease from 4.625 to a lower percent. It appears that Mr.Copper added additional fees, did not decrease the rate and made the mortgage payments more. I would like to know what are the criteria for obtaining a lower rate. I know individuals who did a modification with the same mortgage company and received a 3.75 or less rate. The modified payment is more than the original payment I started with. As I stated, I would like to know the criteria that was used to determine how a lower interest is provided. In addition, I can never contact my DEDICATED loan Specialist XXXX XXXX to ask any questions Please Advise ... XXXX XXXX
Attended XXXX College which is no longer accredited or open instuite. I can't get a job with the certificate due to the school closing and no accreditation which has caused me not to be ablt to work as XXXX.
Loancare LLC is charging me for " hazard insurance '' products that I did not request, approve, or was notified of. I have sufficient comprehensive insurance through my insurance company. In the past 2 months, they have taken {$900.00} out of my checking account, without my consent. I filed this with the XXXX as well, but was told it'll take 30 days for the business to review, and I can't afford to lose almost a thousand dollars while they take their time reviewing. I'm not made of money, and will end up having to sell my house if they keep this up! They've already settled this issue with others years ago, and are back to their bad practices. 

This is also posted under XXXX CASE # : XXXX