WillisBack/dataset-financial-user-claim huggingface dataset:
Our complaint is about Penfed not honoring its advertized policy of holding the loan rate unchanged, in spite of their agreeing to " lock the rate for 60 days ''. 
When I ( XXXX ) made my first call to Penfed, in XXXX, I enquired about the terms and conditions for a loan rate which they had advertised. I was told that besides the usual creditworthiness etc, there were XXXX conditions. The loan should be a " conforming '' loan ( amount less than {$410000.00} ), and there should be a 20 percent down payment. In a few days I called again to finalize the amount of the loan. I mentioned that based on the on the value of our house given by XXXX ( {$580000.00} ), 20 percent down ( {$460000.00} ) would exceed the the first condition, so I was considering {$410000.00}. I then asked if, on the other hand, I were to request {$400000.00} ( which would be 30 percent down ), would that lower the loan costs? I was told that it would not. The loan rate would not change as long as the criterion of 20 percent down was met. 
So, we filed an application for {$410000.00} and chose to " Lock the rate for 60 days ''. On XXXX XXXX we received an " Interest Rate Confirmation Agreement ''. More than a month later, XXXX XXXX XXXX ), my wife received a mail saying that the house appraisal had arrived and that it was adequate. However, in a few days the interest rates went up, and they sent us a new loan agreement. While this new agreement nominally had the same interest rate, the other costs had dramatically increased by about {$6000.00}. I complained, and I was told that the costs had gone up because the appraisal was too low. I pointed out that while one can raise questions about the method of appraisal, it still satisfied the 20 percent criterion, and as a matter of fact, their first reaction to the appraisal was that it was " good enough ''. As a result of my protest the loan costs were slightly reduced, but they were still far higher than the original agreement. 
In a nutshell, in spite of promising a 60 day lock on the interest rate, effectively the rate was significantly increased. And in spite of a subsequent modification ( after our complaint ), it still stands quite a bit above the original agreement. 
We are enclosing the following : File 1 : The original contract File 2 : Letter indicating that the appraisal was " good enough ''. 
File 3 : Modified rate File 4 : Readjusted rate File 5 : Appraisal XXXX and XXXX XXXX XXXX
I received a letter from First National Collection Bureau Inc alleging that I owe a debt. I do not owe any debt to First National Collection Bureau XXXX Inc., XXXX XXXX XXXX XXXX XXXX, or XXXX XXXX. I had already sent XXXX XXXX XXXX a cease and desist letter previously through the Consumer Financial Protection Bureau for which I have a copy in writing. Now I have been contacted by First National Collection Bureau on behalf of XXXX XXXX XXXX XXXX XXXX which is a flagrant violation of the Fair Debt Collections Practices Act. I do n't owe the alleged debt they are referring to, in addition the alleged debt is past the statute of limitations. I do n't want any further communication in any form by First National Collection Bureau, XXXX XXXX XXXX XXXX XXXX, or anyone on behalf of them. Their continuous communication after sending them a cease and desist letter is a flagrant violation of the Fair Debt Collections Practices Act, and it is causing me severe emotional distress for an alleged debt I do n't owe. Their continued communications is considered harassment.
RISE Credit of XXXX XXXX, TX ; fraudulently opened an internet account in my name. I did not apply for, nor did I participate in the proceeds of this fraudulently obtained loan. In seeming violation of Federal CIP standards, RISE Credit did not obtain a picture ID nor the copy of any complete, official ID document before they made the loan. This incomplete investigation has now resulted in the fraudulent loan in my name. The driver 's license number they did obtain was not my license number and they failed to obtain the issue date and the expiration date thereof anyway. For all I know, they may have absconded with these funds themselves and are foisting this loan off on me to cover their financing of XXXX or XXXX. 
RISE Credit did not attempt to contact me in writing, concerning this account before they started their " blind '' robo-calls. The email account RISE Credit stated was given in support of this credit application was not my email address and they failed to validate this information prior to disbursing the funds they claim were given to me. RISE Credit evidently relied solely on personal information freely available to anybody through a XXXX or similar search. I had my husband spend over an hour tonight speaking with RISE Credit on my behalf and am now being forced to take time away from my professional practice to " defend '' myself against a fraudulent account opened in my name because of their shoddy CIP practices and incomplete investigation. 
This situation is causing me great angst and anguish, not to mention lost billing from my professional occupation as I now take time to comply with all their unreasonable demands. RISE Credit seems to exhibit an overly cavalier approach to the federally mandated Customer Identification Protocols. I demanded that they close that loan, remove my good name and insure the credit reporting agencies have removed the disreputable name of RISE Credit from my record lest other legitimate entities find that squalid moniker on my good credit record. They have been placed on official notice that this account was obtained by fraudulent means. 
In support of performing the onerous tasks they demand be undertaken by an innocent fraud victim before they acknowledge the obvious, I have requested they immediately remit copies of all credit application data, credit reports obtained, proof of all identification attempts made, all checking account information where the loan funds were disbursed, and all records of their contact with the real applicant. I also requested they provide and explain the relationship of the agents or proxies used to obtain my credit information without my consent or any proof of permissible use, in direct violation of the Fair Credit Reporting act.
I NEVER EVER APPLIED FOR THIS ACCT IN MY XXXX LIFE!!!!!
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
As of XX/XX/XXXX I have been dealing with the Rush Card issues, as of XX/XX/XXXX I applied for a replacement card to be express deliver that was suppose to come to me on XX/XX/XXXX, which I still do n't have as of XX/XX/XXXX. Keep in mind they charged my account a XXXX fee for express service. Every time I call no one helps me, hang up on me or leave me on hold for hour. I need help
Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information  per the new law. The bankruptcy XXXX listed does not include this information and should be deleted. I have disputed this bankruptcy several times and the data has not been updated since the new law took effect. Per the dispute with Transunion on X/X/17 that was completed X/X/17 the last time the bankruptcy was verified was on X/X/17. The address that Transunion is claiming was used to verify the bankruptcy as mine XXXX XXXX XXXX XXXX IL is not mine and does not belong to me, nor is that address listed on my Transunion credit report.
It was recently brought to my attention that Equifax improperly stored sensitive Personally Identifiable Information improperly and suffered a massive data breach, leaking my PII to hackers. According to the XXXX XXXX XXXX, " Criminals gained access to certain files in the companys system from mid-XXXX to XXXX by exploiting a weak point in website software, according to an investigation by Equifax and security consultants. '' Equifax confirms that my PII was part of the breach. 

Equifax offers to provide credit monitoring services, but only if I agree to give up certain legal rights, and agree to arbitration.
I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent and not mine : XXXX XXXXXXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018.
i am just recently seeing new things on my credit history i am unfamiliar with, its is false and harming my credit situations and would like to have them removed do to company which is harrassing me
XXXX XXXX XXXX sold my mortgage servicing to Green Tree. Every since then it is taking XXXX3 weeks for my mortgage payment to get to XXXX, XXXX from XXXX, XXXX. They call my home before the XXXX and tell me I am late. Something is happening to the payment via mail. I do not want this company to debit my checking account for the monthly mortgage payment. This month I mailed my payment on the XXXXof of XXXX. Today is the XXXX and the payment is still not there. I have been sending my payment certified mail for the last 18 months. Please see below ; Tracking Number : XXXXImage of a progress bar displaying in-transit statusin-transitProduct & Tracking InformationPostal Product : Extra Svc : Certified MailDate & TimeStatus of ItemLocationXX/XX/2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXYour item departed our USPS facility in XXXX, XXXX XXXX on XXXX XXXX, 2015 at XXXX. The item is currently in transit to the destination. 
XXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXX XXXX, 2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXXXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXXBasically, I mailed my mortgage to GreenTree on XXXX/XXXX/15. It arrived in XXXX, XXXX on XXXX/XXXX/15. From there the post office supposedly sent it to delivery at GreenTree. However, the mortgage payment has disappeared. Most months it disappears for a week or so then it shows up. Something is wrong. I have 18 months of certified tracking show this problem. Please assist.
Equifax allowed XXXX to alter my original file after five years and add a {$260.00} balance and change the length of my loan from 60 months to 65 then show me as currently late on a charged off loan. I disputed this after it dropped my score 30 points. Then I had to wait 30 whole days for XXXX to send them my XXXX loan info instead. It does n't even match and they cleared XXXX and left the false information. I immediately started another dispute online. Now they say I have to wait another 30 days to see if the correct info will be sent even though I showed them on there own report that both loans have been assigned the same account number, but I do have proof from a 2015 XXXX XXXX report that they originally did not. I repeatedly asked if anyone else could help in this matter legally speaking and Equifax said NO that they and the companies controll what go on the report!!!
From XXXX XXXX to this point XXXX XXXX XXXX the system at Rushcard has been unavailable. Causing funds to be unaccessable. They said the system would be up and running by XXXX on XXXX XXXX and it is not and there has been no update from the company. Also their customer service number disconnect all calls.
On XX/XX/XXXX a company calling themselves " Central Portfolio '' began reporting an account for XXXX XXXX apparently originating with a XXXX XXXX XXXX in the amount of {$1400.00}. They list an address of this person in Virginia ( XXXX XXXX XXXX XXXX, XXXX, Virginia ).

The problem is, my name is XXXX XXXX. A completely different name, a completely different spelling, in a completely different state of residence, and I would wager a completely different social security number.

I attempted to contact this company at their address of XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, and their telephone of ( XXXX  ) XXXX. I was informed by their phone representative that they have no XXXX XXXX in their system, nor do they have my address. They have repteadly hung up on me, or not returned my voicemails.

As a victim of identity theft, it appears this company did no dude diligence to confirm ownership of this account and instead did a blind addition to the three credit reporting agencies for MY report.

They must immediately take action to remove me from any association with this account, and also immediately file deletions with all three consumer reporting agencies and provide me with proof that they have done so.
XXXX   XXXX  offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither  XXXX   XXXX  nor the  XXXX  credit bureaus ( TransUnion,  XXXX , and   XXXX    ) will ho nor removing the inquiries even though I was solicited by   XXXX   XXXX  . The FACTS states inquiries can only be pulled under certain conditions and " firm '' offers a re one of those conditions. Here is a reference to the code under ( c ) ( 1 ) ( B ) ( I ) : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accor  dance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, suc h consumer consents to the consumer reporting agency to such furnishing.
Hello, I have contacted transunion on multiple occasions to stop illegally reporting my sister credit information on my credit report. On XXXX XXXX, I went to finance a vehicle, and my credit was flagged as high risk because I failed the security questions about my credit profile. The security questions that were asked, were questions pertaining to a car loan and the payment installments which I had no knowledge of. I then checked my credit history and saw that transunion have ignored my contact to stop reporting false information on my credit. They have been reporting my sister 's information on my credit report on multiple times. 
Thank you
For the past year I have been trying to negotiate an affordable student loan payment on my private loans. However, ACS refuses to work with me and my payment amount keeps rising. My only option was to consolidate my federal loans to get more deferment since I could not afford to pay both private and federal loans at the same time ( {$900.00} and $ 600/month ). As a result I ca n't participate in IBR for my federal loan. My firm just did a massive layoff and now my only income is unemployment. ACS will only grant one month of forbearance and will not lower my $ 900 monthly payment. 
I do not want to default, but ca n't afford the montly payment. Many of the jobs that I am applying to require good credit so I may not be able to find employment once my loans go into default status.
XXXX failed to provide me proper services. I had spend countless hours with them. I finally gave up and cancelled services they agreed for certain credit and asked me to pay certain amount, which I paid immediately. They later on have decided no they can't I have no idea why. They kept sending me letter. I contacted them on few occasions and every time they said they will get it resolved, I should not worry. XXXX later on sold my account to collection company XXXX I spoke to collection company they agreed to put the account in dispute and not to inform credit bureau. They said they will contact XXXX and get it resolved. Well they didn't and reported to credit bureau. I called XXXX today they said they have sold my account so they don't care. I requested for the transcript of my conversations. They pretty much refused. How can organization like XXXX do that to their customer. In fact they owe me money for time energy frustration and I couldn't work for months because of service.
Yesterday, my Travel Rewards VISA ( # XXXX XXXX XXXX XXXX ) from Bank of America ( BOA ) was stolen. Within an hour of discovering this, I reported this to BOA and asked that a fraud alert be put on this account and that I be sent a replacement card. 

I called a toll free telephone number provided on BOAs online banking website about 6 times, but all I got was recorded messages. It was impossible to reach a human being. After wasting about XXXX minutes just trying to get an agent at BOA about the theft of the card, I finally was told that an agent would come on the line. Then I was put on hold for an additional half an hour. When the guy who finally answered came on the line, I told him everything I knew at least XXXX times. He wasted time with chit chat, then proceeded to ask me exactly what Id just told him. After telling him again that I had checked the activity for the card through BOAs online banking website just before I called him and had seen no illicit activity, and repeated everything else yet again, I told him I had to eat dinner and had no more time to repeat the same information Id already provided to him several times, since it took me nearly an hour to get through to him. As far as I recall, the last transaction on this card was an electronic payment from my bank that I scheduled for {$8.00} which BOA should receive today. 

BOA continues to evade its customers and refuse to act on simple requests such as putting a fraud alert on an account that has had a stolen card in a timely or efficient manner, and to replace cards quickly when asked for legitimate reasons. It unfairly burdens its customers with grossly unreasonable, harassing, inefficient and insecure procedures that injure them. In contrast, XXXX XXXX was quickly and easily reached, took the relevant information and said they would mail a replacement card all within a few minutes. The new card should arrive today or tomorrow. 

BOA does not manage its credit cards in a reasonable fashion and its gross ineptitudes put its customers at risk for further injury. This has been the case for years. I have filed previous complaints about it, yet, if anything, these deep seated problems with BOA credit cards seem to be worsening. Just before submitting this complaint, I tried to check the account online for any fraudulent activity. The account was blocked and I could not access it. A message said BOA wanted me to call it, again, to waste more time. I have no more time to waste on BOA.
Capital One Bank issued me a XXXX for 2014 in the amount {$5200.00} for credit card account number XXXX. My Federal Tax Return Form XXXX for 2014 included same amount. Capital One has yet to advise the credit reporting repositories ( XXXX, XXXX and XXXX ) that said account should be listed as " {$0.00} BALANCE, PAID IN FULL ''.
This is an addendum to my original complaint number XXXX. My last " dispute '' regarding this number was made on XXXX XXXX, 2016 in a phone call with XXXX. Since that time I have tried to contact US bank at their corporate office as well as at the Oregon phone number they gave me for their District Manager. I have been unable to reach anyone over the phone. I wanted to speak with someone who could tell me where I could send my documentation that REFUTES allegations made in their letter dated XXXX XXXX, 2016 written by a XXXX XXXX at the corporate office in XXXX XXXX, Minnesota. I have been told by XXXX different switch board operators at XXXX different offices for US Bank in Minnesota that it is Company Policy to NOT give out phone numbers to Consumers ... I find this to be a very " NON-transparent way to run a federally regulated bank. I was even told that they could not give me ANY information on how I might contact their legal department either by phone, email, or regular mail ... .I have made every attempt to try to get my documentation into the " right '' hands at US Bank so that they can see that their " representation '' of the way things happened since THEY, US BAnk, reported me dead on XXXX XXXX, 2016 are in fact false and misleading. It is obvious that they have no desire to get this matter corrected and refuse to accept their culpability by simply in a very benign way ( avoidance ) to created obstruction to my efforts to resolve a variety of issues that have arisen since THEY, US BANK reported me dead on XXXX XXXX, 2016 ... .I made a call to XXXX and then to XXXX on XXXX XXXX, 2016 without any result other than to be told by both operators that they were not allowed to give out phone numbers or any other information including how to reach their legal department. I believe that federal regulations should NOT allow this kind of lack of Transparency ... .Because I have been unable to make contact with anyone regarding my issues with US Bank , I am next going to file a complaint with the OCC/Department of the Treasury regarding my experiences with US BAnk. Please consider this as additional issues with US Bank that began with US bank reporting me dead to XXXX on XXXX XXXX, 2016. Additionally, I again, had my XXXX XXXX credit card used fraudulently on XXXX XXXX and XXXX XXXX, 2016. Because purchases totalling nearly {$4500.00} were made on my card, online fraudulently, I believe that the issues created by US BANK are still 90 days later continuing to create credit problems and undue stress and I believe that someone at US BAnk needs to be held accountable and that US BANK needs to step up and do whatever it takes to rectify a problem that was initially created by them!!!! It is obvious by their " avoidance '' to actually allow me to present my documentation to them and/or to speak directly to a person in their legal and/or auditing department, that US Bank needs to be reprimanded by someone and somehow ... The abuse that I am being put through as a result of the " ERRORS '' made by US Bank need to be put to an end SOONER RATHER THAN LATER!!!!!
My credit report with XXXX XXXX XXXX XXXX XXXX is showing that i owe a balance to XXXX state child support of almost 40 thousand, this is not true the balancein fact is nearly paid off and should be posting no more than 1000, in a couple months it should be paid in full i do not want to continue to have my credit showing balances owed that are not ive reported to XXXX   XXXX this is not accurate and they have not yet updated this information
THE NAME OF THIS COMPANY IS ARS, ACCOUNT RESOLUTION SERVICES  AND THEIR PHONE NUMBER IS XXXX. THATS ONLY ONE OF THEIR PHONE NUMBERS. THEY CALL AND ASK ME TO VERIFY MY NAME AND THEN THEY HANG UP. THEY ALSO ROBO DIAL ME AND AFTER I PICK UP, THEY HANG UP. THEY REPEATEDLY DO THIS OVER AND OVER AND OVER.
XXXX   XXXX   denied credit for a mtg on  XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am p.o.about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.