WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir ; I applied for a line of credit on my house that i lived in since XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX. My house was paid off in year XX/XX/XXXX free and clear. About 6 years ago i applied for this line of credit from XXXX XXXX XXXX. When i applied my self and my Investor XXXX XXXX XXXX new this bank agent i completed the paper work and we all left the bank including my nephew that lives with me. He was my witness to me filling out the loan papers.I did not hear from the bank about my loan for a long time. As time went by i called the bank and got no answer about my loan. I turned it over to the F.B.I. they investigated this XXXX XXXX XXXX and locked him up for running a XXXX  XXXX he is in the state of florida jail.J.P. MORGAN bought the XXXX XXXX XXXX. 
I went to the J.P. Morgan bank and told them that i lost all my paper work for my loan, so the person printed every thing pertaining to my loan. The application was CHANGED to show that i made {$10000.00} a month and that is why the bank approved the loan and made the check out to XXXX XXXX XXXX, he was making the payments. I never saw the check in the amount $ XXXX.Would you be so kind to look up on the internet, XXXX XXXX , click on to the XXXX year old man that lost his house. THE BANK STOLE MY HOUSE. I am in touch with the F.D.I.C. about this check. I talk and email Special Agent XXXX, he told me that they located this bank agent and this case is a on going investirgation. would you try and help a XXXX year old man to get his house back. I have all the bank papers that they FALSIFIED. THANK YOU, XXXX XXXX XXXX.
I had a Wells Fargo secured card that I paid off on XX/XX/2018. I did this inside of a local branch where the bank representative stated that once my account closes the bank will not only remove it from my list of accounts that I have with them but I will be refunded {$1800.00} and the account will also be removed from all three of my credit reports. I recently checked my credit reports and I see that the account is still listed. I decided to call Wells Fargo card services and a customer service rep. states that I must have my secured card account number in order for Wells Fargo to remove it from my credit reports. I know longer have that and nor can I find that on the credit reports that I pulled from XXXX XXXX. I don't understand why they can not take a copy of my credit reports and my social security number to eradicate the account from all three of my credit report. 

Last four digits of my Social is # XXXX
I noticed unauthorized inquiries had been made by different companies below. I contacted them all already and asked them to remove their credit inquiry from my credit profile. I am request that you initiate an investigation into each inquiry on my credit report to determine who authorized the inquiries. If the companies can not provide a actually sign contract or piece of paper of my signature authorizing each inquiry, I need them to remove each inquiry from my credit file and send me an updated copy of my credit report. 

XXXX XXXX  -XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  -XX/XX/XXXX XXXX -XX/XX/XXXXXXXX XXXX   - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  -XX/XX/XXXX
I was contacted by ARS about a medical debt that I told them that the veterans admin. was to pay. Second, they put the debt on my credit buerueu without even contacting me by letter or mail. After I called them they were very rude and hung up on me several times after I asked them why this was on my credit .buerua. I was not able to talk to a supervisor and it 's just so frustating to get the run around. I want this off my credit and I am not getting ny answers..
After calling Nationstar Mortgage XXXX number there are no clear instructions about how to get a hold of a live Customer Service person. I had to go through a complete maze of entering numbers and finally had to blast my phone with rapid XXXX and # # # # to get someone on the line. Then when someone answered and I told them of their horrific system they got downright nasty with me!!!!
Mortgage service " Loan Depot '' has not applied timely partial payments we have made to them under the terms of the loan contract or follow FTC rules concerning how payments are applied. This scam is to delay the payment application to well past the late due date and then charge a {$81.00} late fee, which is detailed in the " Loan Statement '' under " Transaction Activity '' and the activity is outlined in item XXXX on the back of the " Loan Statement '' in section " Payment Information ''.
I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except XXXX XXXX via XXXX which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with XXXX XXXX and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that XXXX XXXX sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering XXXX for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to XXXX, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too. 

I have called XXXX and they initiated an inquiry with XXXX XXXX, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by XXXX XXXX XXXX " HARD '' hit on my account. 

I called XXXX XXXX and XXXX told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''. 

I called TRANSUNION ( XXXX ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account. 

I have not talked to XXXX nor XXXX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached XXXX and XXXX 's sections of my credit reports showing the " HARD '' hit on my credit report. 

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.
I was issued a loan modification ( not under a government plan ) by Nationstar Mortgage LLC. This was, and is a jumbo loan. The NationstarModification did not help lower my interest rate, which was 6 %, and still is to this day. I guess the modification was that they allowed a 2 year period as " interest only '' payments. In XXXX XXXX I began looking into a refinance to lower my rates to a competitive rate. I was quickly advised that my mortgage was listed as " in Dispute '' by Nationstar. I was also told that Nationstar had reported 5 late payments of more than 90 days. I immediately contacted Nationstar to dispute the late payments, as I pay electronically and have complete records of every payment. They told me they could not tell me the dates, as I was not the correct point of contact for my loan. They told me the law firm that represented my at closing was. I had that firm ( the lawyer contact had left that firm 198 months prior ) to write a letter confirming their dismissal as the point of contact. Along with that letter I included a letter from Nationstar to me advising that the first date of payment would be XXXX XXXX, XXXX. It turns out every reprted late payment was prior to this dateof my first payment. In fact, they applied my XX/XX/XXXX payment to XX/XX/XXXX, even though my firdfirst payment was XXXX XXXX, XXXX. Nationstar reports that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments were all late 90 days, even though they advised me in writing that the first payment was XXXX XXXX, XXXX. I have tried repeatedly to get Nationstar to acknowledge this in writing by email and fax, and I have tried to get them to engage me to modify or re-issue a new or modified loan, because no other lender will touch this because it is my mortgage company who is reporting my incorrect payment history, This raises a huge red flag to anyone willing to help me try to refinance to a competitive rate, and significantly lowers my credit score, both of which make it impossible to refinance. Nationstar has completely avoided dealing with me and will not return my calls. This is just part of my attempt to get them to correct their errors. If I would refinance to a competitive rate my payments would be close to XXXX/month less.
XXXX  bought in  XXXX  an Identity Theft debt from Barclays Bank which was disputed in   XXXX  , Barclays had already removed it from CRA and then started to report it again. I have disputed the account through  XXXX  but they have not yet mailed me the requested documents.  Barclays say s the account belongs to  XXXX , I am a victim of Identity Theft, this debt is not mine. I have provided a FTC Identity Theft Report.
XXXX/XXXX/XXXX - Attempted to understand Equifax 's TrustedID program vs. the current Equifax 3-n-1 credit monitoring program that I have been enrolled in for several years. The 3-n-1 program provides text and email alerts when a credit card 's balance changes substantively to alert me. This is valuable as it allows me to confirm changes and respond accordingly. 

That same alert process is seemingly unavailable in TrustedID, and customer service can not explain why well enough to help me out. Very unfriendly and unable to help. So, what I do not know is whether to continue with the 3-n-1 program, which I pay for, or assume that TrustedID is the replacement solution that Equifax offers for free given the security breach that occurred. 

Very unhappy.
My home phone number has fielded repeated calls from a debt collector at  XXXX  since  XX/XX/XXXX  . At  XXXX  on  XX/XX/XXXX  , the caller left an automated voicemail for a "  XXXX   XXXX   ,   XXXX  '' but nobody by that name has ever lived at my house. Ever since then, the caller has either left voicemails without stating a name or no voicemail at all. For most of this year  (   XXXX  ) they have called on Saturday mornings, usually before  XXXX  and often up to  18 t imes within a minute or two. I 've tried blocking their number, but their harassing usage of robo-dialers sometimes gets past my provider 's call-blocking system. Their most recent vxmail ( Sat XX/XX/XXXX  at  XXXX  ) again says that they 're a debt collection company but does not mention the name of the person from whom they 're trying to collect a debt. In any case, nobody at my house has any outstanding debts to be collected. I 'm not sure whether they 've been trying to reach "  XXXX   XXXX ,  XXXX  '' for 2+ years, but whoever they 're trying to reach THEY HAVE THE WRONG NUMBER and need to stop calling me.
I submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.
Due to being the first person in my family to go to college and zero help from my high school, university or FAFSA, I was not prepared or educated on how to take out student loans, etc. There 's way more info out there now than there was when I started school, but at the time, there were no good resources or helpful info. So I ended up with almost all private loans, with interest rates anywhere fo rm 7-9  %. Originally, my payments were going to be $  XXXX  - luckily,  Firstmark was  able to consolidate my debt i nto one paymen t each month. Unfortunately, since they 're a private lender, they 're pretty unhelpful and provide no options for repayment methods. So now, over half of my earnings each month go to pay back these overpriced loans, and after paying rent, I 'm left with a very small amount for anything else that comes up. I have no savings account. It 's sad that I was essentially forced to take out these loans to get a job, and now that I h ave one ( and a good one at that ), I 'm still  struggling with no option for income-based repayment or any sort of forgiveness.
I have discovered several accounts that did not belong to me and I would like them removed from my report.
Drexel Mortgage company made several promises to me about my loan process, none of which they kept. Moreover, I was slammed with a {$6800.00} fee just before closing that I was never aware of, nor did I agree to pay. I was told that the " HUD '' contains information provided by my Broker ( who did n't show up to closing ) and all terms were discussed and agreed upon before submitting to the lender. This was absolutely not true!! I never received any information regarding such a high fee. Given the exorbitant amount and the lack of service ( ignored calls, texts, and email ; delaying process by not following up with lender about requirements in a timely fashion, etc. ) received, I would have shopped around for a better rate and company ; but only finding out about this fee the day before our first scheduled closing ( which was two weeks before actual closing ) and after waiting months to secure funding I was promised would take three weeks, I was stuck. 

The lender would n't refund the payment they already had issued through my mortgage and said that I should 've been issued a GFE from Drexel, which of course, I never received ; and that any issues would need to be taken up with the Broker. 

I reached out with a compromised rate and the President responded with a lower value, as if he did nothing wrong and was doing ME a favor. He has yet to respond to my second message. Having also been paid by the bank for the loan, I am seeking the full amount refunded, plus the 8.24 % interest I had to pay on this fee. The {$2300.00} or so they received from the lender more than adequately compensates Drexel for their horrible service and deceptive practices!!
My Regions account ending on Saturday, XXXX XXXX, 2016 balance on the account ledger was XXXX $ ( from transactions made across the day ). Monday, the account ledger showed the same. Tuesday, XXXX XXXX, 2016, a NSF overdraft fee in the amount of XXXX was posted to my account. This NSF fee is what caused my account to be negative in the first place. The bank states that a pending transaction placed a hold on my account on Monday, XXXX XXXX caused all of my transactions from the weekend to be negative although this charge did not show on my account ledger and money to cover all charges was present in my account. The abovementioned charge was not visible on my account ledger and once it posted, it also caused a NSF. This is ridiculous ; banks use " posting '' order to justify charging NSF overdraft fees. I spoke with a manager at the bank ; she refused to return the NSF courtesy fees. As a result of their posting order shenanigans, I have been charged a total of near XXXX $ in NSF fees.
I have been telling my mortgage servicer, XXXX XXXX XXXX ( website : XXXX XXXX XXXX ) that they raised my escrow to the wrong amount since approximately XX/XX/XXXX. My payment went up from around XXXX a month to XXXX a month. I have been asking that they change this every month since I can't afford an extra 50 % on my mortgage. I have been saving up my mortgage payments every month instead of paying them as XXXX has told me my overage on escrow will not be paid back until I am fully current. They have FINALLY realized that they messed up my escrow and are changing my payment back to XXXX, and have stated that I need to pay my full balance of {$6000.00} today, and they will send me back XXXX by the end of the month. I can't make that payment, also this is money that never should have been due to them. I have the XXXX I SHOULD owe them waiting. This has negatively impacted my credit of course, but I'm not going to let them hold my money while I struggle because they messed up my escrow. Yes, they worked off of data they received, however I found out on Saturday ( XX/XX/XXXX ) after calling them for probably the 5th or 6th time on this matter that my report in XX/XX/XXXX or XX/XX/XXXX ( was not tracking this at the time ) was never used to verify my escrow, just a comment that I asked.
On XX/XX/XXXX I contacted avant asking them to provide me with a pay off amount. I was told the payoff amount was XXXX. On XX/XX/XXXX they received my check in the amount of XXXX. They sent me a confirmation email stating they have posted my payment to my account. After two years they started reporting to the credit bureaus in XXXX of this year stating that I was behind on my payments. When they were clearly paid off 2 years ago. I called them to ask what this was about and they told me I still had a balance with them because I didnt make XXXX payment in XX/XX/XXXX. But it clearly says in the payoff quote if you pay before XX/XX/XXXX XXXX will your be your pay off amount and they received my payment on XX/XX/XXXX. I asked them what needed to be done and they told me well you can take care of your balance but we cant tell you that balance until you have made 6 months of payments. I have disputed their reporting of late payments with transunion and they removed their account from my credit report. XXXX will not remove from my credit report they are telling me everything is accurate. I am currently waiting on an answer from XXXX. This company is horrible and try to get more money. Something is clearly wrong if after 2 years they decide to report to credit. They need to be shut down.
On XX/XX/XXXX, I arrived at my residence letter from my bankruptcy lawyers indicating the action that the popular bank against me is taking in the bankruptcy court informing me that they want to charge {$150.00} for lawyer services for indicating changes in the mortgage payment. For my state of bankruptcy submitted and in defense my lawyers inform me the situation and I do not agree with this action of the bank because for all the years that I carry my mortgage nonca I was charged for such information for such reason I raise this complaint towards the banking entity
I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in XXXX letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my XXXX letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.
On XXXX XXXX, 2016 XXXX XXXX XXXX XXXX sued me in XXXX XXXX for the State of Arizona in & for the County of XXXX -- XXXX XXXX for {$11000.00} which was the amount credited to my husband 's XXXX XXXX XXXX XXXX credit card as result of a move of some of our possessions from XXXX XXXX XXXX to XXXX AZ in which some possessions were stolen or lost, and others were damaged which XXXX refused to reimburse my husband for despite insurance coverage from XXXX. Attached is a copy of the XXXX statement showing my husband, XXXX XXXX XXXX, received the credit after providing XXXX with evidence of the items stolen/lost and damaged. My husband was the XXXX to XXXX. Attached is correspondence with XXXX XXXX XXXX and a listing of theft/loss and damage to various possessions moved. I was only a signatory on his XXXX account. Despite the fact that XXXX accepted my husband 's proof over XXXX 's XXXX has sued me and refused to turn over any correspondence between XXXX and XXXX. I need assistence because hiring an attorney would me a large portion if not all of the XXXX recovery.
This complaint is about a checking account in Suntrust bank ... ... On XXXX/XXXX/2017 I deposited a personal check from my brother in law for the amount of {$1200.00}. 
{$510.00} of that money was available in my account on Tue XXXX/XXXX/2017 morning. So I registered my car in the state ( I just moved from another state ) paid {$250.00}, paid my water bill {$65.00}, made a purchase of {$31.00}, so when I went to check the balance in my checking account around XXXX because I was in the process of insuring my vehicle, my account was overdrawn for {$370.00}. The bank put a hold on the {$1200.00} deposit until XXXX/XXXX/2017 I 've called numerous of times I even went to talk to XXXX, GA XXXX. branch manager an no one can do anything. The check I deposited already cleared my brother in law 's account, he gave me the name and phone number from a representative of XXXX Bank ( bank where the check is drawn from ) so a representative can call her so she can corroborate the funds were already cleared. I 've tried to have someone from Suntrust call XXXX and my message never gets forwarded. All I get is " your deposit is being held and it will be available on XXXX/XXXX/2017 '' it looks like the bank refuses to help. Oh before I forget I do not have a dime on me.
I have a mortgage loan with Nationstar. The legal description for the property on the loan needs to be corrected. Nationstar refuses to make the correction or give any answer as to why they will not change the legal description. The legal description on the loan is for the property next door to the property that the mortgage is for. I need to know how to have this corrected and Nationstar will not provide that information either.
I purchased something with my chase credit card. The merchant charged me an additional {$180.00} without my permission. After speaking with Chase, they told me they would send me XXXX dispute letters to respond to. I waiited for the second letter but it never came. So I mailed the letter back to chase with all of the requested documents. Two days later I received a call from Chase saying the dispute was decisioned even though they did n't have my documents. Chase based their decision off of a verbal promise from the vendor ( who fraudulently charged me ) that their Terms & Conditions allow them to make such additional charges. The Chase representative responsible for the case never even received the actual Terms & Conditions from the vendor, per the representative. The Chase representative said they only sent me XXXX letter, and then changed her story and said they sent me XXXX letters. Then she said I only needed to respond to XXXX of them, but that was only after the fact. Originally Chase told me I would receive XXXX letters and to complete and return them both, XXXX of which was lagging by 4 or 5 days, so I wanted to follow instructions that Chase told me to comply with. So Chase never even gave me a fair review because they never viewed my dispute statement or supporting correspondence documentation. Ultimately I never received my merchandise be the vendor is saying I forfeited the item because I did n't pick it up for 21 days while I was working with Chase.