WillisBack/dataset-financial-user-claim huggingface dataset:
Tried to refinance my mortgage with Loan Depot. Locked in at XXXX %. Provided all the information they required.Refinancing XXXX % of the value of my home. Have a XXXX credit history with no problems. They kept delaying the process by asking for the same materials and told me I lost my lock in rate. When I told them I would not proceed with the loan they agreed to extend the lock in at XXXX sent me my closing statement and added {$1200.00} for XXXX contacting my mortgage company to find out the payoff, they said I would close in XXXX days.I contacted them XXXX week later to find out what was taking so long and they told me I had a lien on my property.Spent all morning trying to find out what lien could be on the property downtown at the deeds office. They said mortgage company was trying to pull a fast XXXX and gave me stamped papers saying no liens were on my property.I faxed papers to loan depot and did not hear back until I called them.I was transferred to another person who explained the loan would go through but at a higher interest rate. My whole experience with loan depot took over XXXX months. I missed out on XXXX % interest rate and was out {$450.00} for my appraisal. I would hope someone could put them out of business so the ca n't cheat homeowners anymore.
I applied for a mortgage refinance with Capital One Home Loans on XXXX XXXX, 2016. The agent I worked with is XXXX XXXX ( XXXX XXXX ) and XXXX XXXX. I provided the documents they initially requested and sent my details and they ran my credit. We agreed that if I cancel my application after I accept their offer my Capital One credit card will be charged {$450.00} but if they decide to cancel it will be at no cost to me. While performing their title search they requested additional information regarding the mortgage of previous owners of the property ( the XXXX owner before me ). For this information I had to reach out to the lawyer who had helped me when the property was transferred to me. They also requested a copy of the lease agreement which I explained to XXXX XXXX I would have to reach out to the person managing the property on my behalf and there would be a delay before I can provide the information required for the title and lease agreement. 

I received a voicemail from XXXX XXXX on XXXX XXXX requesting that I send the lease agreement to XXXX within 24 hours, as well as, provide an update on the title, otherwise they would cancel my loan. I sent documentation I had received from my lawyer regarding the title on the same day ( XXXX XXXX ) and forwarded the lease agreement as soon as I received it on XXXX XXXX ( within 24 hours ). 

I called their appraiser to schedule an appraisal for the property as planned but found out from the appraiser that my loan had been cancelled. I checked my account and found that I had been charged {$450.00}. Neither XXXX or XXXX sent an email or called to let me know the loan had been cancelled and I would be charged {$450.00}. Subsequently I sent emails to XXXX and XXXX to get an explanation but did not get a response. I also sent emails to XXXX 's manager, XXXX XXXX but did not get a response. I called and left voicemails but still did not get any response.
On XXXX/17 I received an alert that a new collection was placed on my account. I called Midwest Recovery Systems. I informed them I never applied for a payday loan and I never received written notification of this debt from them. The customer service representative was rude and informed me that they did not have to give me written notification of anything. I have never done business with Midwest Recovery Systems. I do not have a signed contract with Midwest Recovery Systems. I have a right to demand that Midwest Recovery Systems furnish the signed contract between them and myself. This business did not give me written notice of the debt before placing it on my credit report with all three bureaus. Also this company is not licensed in the state of Tennessee. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 ( short title ) and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in Tenn without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION
I have tried to fix these problems cre dit bureau- My lawyer and I are getting ready to file a lawsuit.      Please remove these inquiry from from my credit   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   XXXX   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   This is my  last  time before I sue all  XXXX  credit bureau
Our loan got sent to the foreclosure department even though we tried to work with Wells Fargo so this didnt happen. When we were 4 months behind, we were told we could pay a minimum of XXXX payments. When we called back to make the XXXX payments, we were denied based on incorrect information given by XXXX department within Wells Fargo. This amount was XXXX. We were then told we had to pay the entire delinquent balance, roughly XXXX. I inquired if I could use XXXX accounts to pay and again was told we were allowed. I called XXXX to pay this amount and again, was denied. XXXX/XXXX/15 we were sent to the foreclosure department and now have to pay an additional amount of almost XXXX in attorney fees. We do not understand how this is justified. We did what we were told to do each time but it was always wrong and shrugged off as our fault. We are not the only loan they do this with and it is not fair to homeowners! No wonder there are so many vacant, foreclosed homes! We want reimbursed for these attorney fees that were completely unnecessary!
I had a payment due XX/XX/2018. I was not able to make that payment but spoke with a XXXX at the branch location and told her that I could make the payment the following Friday. She was rude, did not care about whether or not I could make that payment the next Friday and told me they will not accepts any form of payments other than the full amount of the loan. They were not willing to work with me at all whether I wanted to pay on it or not. I had no other options given to me. Then I receive a notice in the mail where Ace cash states I took out the full loan that was originally offered to me of {$880.00} and I turned down because I didnt not need to borrow that much. Therefore I only borrowed {$300.00}. But they are claiming my loan was for the {$880.00} and remainder I owe is {$370.00} I believe. This is fraudulent in regards to stating what I borrowed and what I did not! The way I look at this, if they are not willing to accept payments customers wanted to make and leave them with no choice but not to pay it back, then this loan should be non-void.
XXXX XXXX is purposefully changing my credit report, which I will attach. This is illegay and nefarious and they should be fined.
dealings with Sebonic financial / Cardinal financial. Very Unprofessional! Made numerous promises that were not fulfilled. Endless frustration and disappointment. 
Look elsewhere, trust me you will be happy you did.
Equifax is refusing to remov e two   XXXX   XXXX  accounts from my credit report that were inaccurately reported to my credit.     This time, I went directly to  XXXX   XXXX  themselves and got them to send a me a letter stating that they are NOT reporting these  XXXX  collections to my credit. I am attaching the letter along with this complaint for the CFPB 's review.     The letter is pretty straightforward but Equifax is shutting me down every time saying that regardless of what I say, their reporting is accurate. For months, I have sent several disputes, from written letters to online complaints, and they continue to turn me away.     At this time, I am considering filing a lawsuit against Equifax for hurting my name by illegally reporting these accounts to my credit.  XXXX   XXXX  themselves are stating that they are NOT reporting these  XXXX  collections to my credit.     This is clear evidence to support my statement. Why has it taken Equifax months to address my concern?
I uploaded the file to Experian asking them to remove the fraud alert as well as add my contact number for home and cellular number numerous times over 10 days. I uploaded their form myself and provided the documents and had other people do it for me as well to no progress whatsoever. I have spent well over 10 days trying to talk to a person which is impossible and and their instructions lack results. They said 15 minutes it would be reflected. XXXX! My home number is XXXX XXXX XXXX and cell number XXXX XXXX XXXX.
I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with Equifax. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa XXXX XXXX in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to Equifax nor has Equifax requested the information, I called Equifax and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. She stated they verified this information through the Iowa Federal Court. I advised her that I contacted the Court House and was told that they stated that they do not supply information to credit reporting companies. She stated it was also verified through XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed a copy via certified mail to Equifax. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), and Equifax never marked my credit report as being disputed either.
I called my credit card company discover and asked why my card was declined because I had made a payment days previously. After getting information I also asked about information if i wanted to close my account. Next thing you know I receive an email stating my account was closed. I never authorized them to close my account. I called them the next day and asked why it was closed. They said they would look into it. I called a few days later and they stated it was closed and there is nothing they can do. This will now affect and hurt my credit report/score. I never had intentions of closing the account. I was never read a disclosure.
XXXX XXXX, 2018 my credit report was used without my consent from XXXX and XXXX XXXX
Well Fargo, my Mortgage holder consistently and willfully refuses to furnish me copies of my Real Estate and School Tax Bills. I have requested this information XXXX times. There is no justification for withholding this information on my property, for a bill that I pay, that they are obtaining from a source other than the duly elected XXXX Collector. I would like them to be compelled to furnish me this information that I am paying for.
I had to take this loan to help out my family. I am struggling paying off right now, interest rate and every two week almost {$300.00}. I need easy payment plan and remove them from my credit report cause they are  illegally put my information in there.
I received a call from AFNI stating that I have an outstanding debt from XXXX in the amount of {$470.00} from account XXXX from XX/XX/XXXX. I explained to them that it could not be me and that I had closed my account which has a different number entirely of XXXX XX/XX/XXXX due to switching carriers. They asked for the last XXXX of my social security number, which I provided and they said yes, that is what we have on file. I then provided my entire social security number and they stated that this was the number that they have attached to the account. I was then told to file a police report, but per my credit report, this was not on my credit so I did not feel it necessary to file a police report for identity theft. I was given a contact for XXXX XXXX and spoke with a gentleman by the name of XXXX who stated that the social security number attached to account XXXX was not my social security number and that he believe it to be a clerical error on the AFNI 's part. I asked if he could conference and he stated that he did not have the ability to do that. I called AFNI back to inform them of what I was told by XXXX and they stated that the social security number they have is what was provided to them by XXXX. I spoke with a supervisor by the name of XXXX who stated they would flag my account for possible fraud and would contact me with further information. Also, I have never resided at the address attached to the account. The address they have is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I have resided at my current address for almost 6 years. I waited two weeks before contacting AFNI back for status and when I called, the representative I spoke with stated that the current status was that they were waiting for me to file a police report. I told him that his supervisor was supposed to be flagging the account for fraud and that I am not going to file a police report because my identity had no been stolen. he transferred me to his supervisors voicemail and I have yet to receive a call back. I have sent them a certified letter with a receipt request asking AFNI to validate my debt and I now have the Minnesota Office of the Attorney General involved. They mailed letter to both XXXX XXXX and AFNI on XX/XX/XXXX. I feel as though AFNI obtained my social security number because I provided it to them. I have researched this company online and it seems as though they are not very honest with their attempts to collect debt. This company should not be allowed to operate if they are trying to collect debt dishonestly. This debt is not mine and they are not willing to help in any way. AFNI and XXXX are pointing the finger at each other putting the blame on one another. Meanwhile, I have been doing all of this footwork to prove that this debt is not mine and never has been.
XXXX XXXX XXXX has agreed to remove their accounts from my credit report. This is the second request that I have submitted to have this negative information removed. see attached letter I am now demanding that this account be removed in the next 3-4 days.
In XX/XX/XXXX I took out a XXXX loan from GE Capital. It was transferred to Synchrony Bank shortly after the account was opened. I did not receive statements or invoices from Synchrony Bank. I did receive a call after 60 days from their accounting/collections department requesting payment, at which point I mentioned the lack of statements or details on configuring automatic payments. I received no information on configuring automatic payments or statements, but was contact again each 60 days to make another {$630.00} payment. In late XX/XX/XXXX I got upset and asked that the representative or their manager to assist me with getting my online account setup so that Autopay could be enabled, and that I would make the payment online instead of over the phone. They assisted me with creating my account. I added my XXXX XXXX XXXX checking account to the methods of available payments. I had to clear the outstanding balance of {$630.00} before autopay could be enabled, so submitted a payment for the outstanding balance of {$630.00}. Afterword paying the outstanding balance I enabled the Autopay feature using the same XXXX checking account. After this I did not receive another call from Synchrony Bank until the morning of Saturday XXXX XXXX, at which time I was told that the account was now 3 months past due, and a payment of {$1300.00} was required immediately. I immediately made a payment to Synchrony Bank over the phone and inquired as to why auto pay was not covering the balance. The representative had no ability to check on my online account, they were only able to collect the payment. I went and checked my Synchrony account online and even though my bank account is clearly still a method of payment the autopay feature is disabled for my account. On Monday XXXX XXXX I received a collections letter from XXXX XXXX XXXX XXXX XXXX. The envelope was postmarked XX/XX/XXXX, the letter was XX/XX/XXXX The content of the letter started off with " The above referenced account has been referred to our office for collection. Previous attempts have been made by the creditor to obtain payment of this debt. As of this date, those attempts have not been successful ''. However the account was brought current 2 days before the letter was written, and the outstanding balance was zero as of that date. I found out that Synchrony Bank or XXXX XXXX XXXX submitted a report to the credit reporting agencies and negatively impacted my credit score.
My daughter has student loans serviced by American Education Services ( AES ). I am cosigner on those loans. Over a period of time from XX/XX/XXXX to XX/XX/XXXX, payments made directly to AES by my daughter have been lost or stolen by AES. There are 17 missing payments at this time, totaling more than {$10000.00}. My daughter and I have provided three different types of proof, including actual bank statements from her bank, showing the date and amount of payment made directly to AES. They continue to say they can not " find '' the funds. We have contacted also the Pennsylvania Higher Education Authority ( PHEAA ) and their Office of Consumer Advocacy. These people are supposed to be advocating for the consumer and holding AES accountable to try to correct the multitude of errors and complaints about AES. However, all PHEAA have done so far is make excuses for AES and tell me how they are a huge company with millions of people making payments. My daughter and I have called AES and PHEAA many, many, many times to try and resolve this. They have terrible customer service and inept financial management. However, even though we tried and tried to get a resolution and produce evidence of our payments, they continue to send a barrage of emails, phone calls and letters to say we are delinquent. Both my daughter and my credit reports are full of indications of " adverse '' results and delinquent accounts. My daughter stopped making payments for a few months because she is afraid of more funds being lost or stolen and we received notice they were going to send our information to collection agencies and we would be required to pay the amount in full. She set up a system then to begin to make payments again while this is sorted out, and the first payment was received and credited with no problem. Now the second payment is again " lost '', even though she went on the AES system and make the payment with direct debit to them, just as they had instructed. Once again, the money is taken from her bank account and paid to AES, but AES says they never received it. PLEASE make them credit my daughter 's loan balances right now for the {$10000.00} that she paid to AES. ( {$9200.00} paid and not credited to her account in XXXX and {$1400.00} paid XX/XX/XXXX and not credited to her account!!!
My personal information was compromised in the Equifax breech. I am placing a 90-day credit alert, but am concerned about potential identity theft.
Upon being denied from a lender for too many inquires on my Equifax report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from XXXX, Equifax, and XXXX credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason:XXXX: 1. XXXX XXXX XXXX XXXX Date: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX
Equifax: 1. XXXX XXXX XXXX  XX/XX/XXXX
2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
4. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX
8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX  XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX/
XXXX XXXX XXXX
: 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Gold Key Credit INC is trying to collect money from me I have never been affiliated with them.This is not accurate.
I am having difficulties trying to get some things resolved on my credit report. There are a few things that the bureaus are not investigating otherwise they would have been resolved. When I pulled up my XXXX XXXX they don't even show payment histories. I can not afford to belong to a monitoring site which takes XXXX a month so I have to relay on this site. What they are reporting are accounts which they indicate last payments in the year XXXX and I know for a fact that I had to stop making payments on accounts back in XXXX due to loss of income. I'm not proud of it but I was struggling to keep a roof over my head and that was something beyond my control. However, I have been penalized for over 7 years now and I am trying to get my life back in order but the information they are reporting isn't correct.
I was credited by XXXX XXXX company on X/X/2017 for XXXX to my closed PNC account. Almost two months later, PNC still has not returned the funds to XXXX nor refunded my via check.
While viewing my EQUIFAX credit report, I noticed an unauthorized and fraudulent credit inquiry was conducted by XXXX on XXXX/XXXX/2015. I did not authorize anyone employed by this company to initiate an credit inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681 b ( c ) .XXXX were not legally entitled to unilaterally review my credit report without my written consent, thus, this was a fraudulent inquiry and a serious breach of my Privacy Act.
ALLY FINANCIAL INC. has engaged in a despicable tactic where I paid 100 % of my lease and then returned the car, they asked for additional money upon return alleging damaging in excess of wear and tear, I had filed a complaint for their dishonest debt collection conduct and we had reached a settlement on a revised amount of money that was being asked. I paid again 100 % of the amount they asked and upon receiving the amount of money they claimed I owed they falsely reported as a collection/reposesion account. I believe Ally Financial should be investigated, sanctioned and fined for their misconduct my credit report has dropped 45 points as a result and stopped me from applying for a mortgage. I reserve the right to bring any viable claims against ally for their willful, spiteful and predatory collection practice. I even received a letter claiming that I was paid in full from Ally.