WillisBack/dataset-financial-user-claim huggingface dataset:
I have found that there are multiple abuses on the inquiry sections of my credit report knocking down my score from XXXX XXXX XXXX to XXXX! Quicken Loans went into my report onXX/XX/XXXX again on XX/XX/, XXXX  XXXX XXXX XX/XX/ again XX/XX/. XXXX XXXX XX/XX/ again on XX/XX/. This is abuse I think they are trying to keep me from buying a house in the area. I was told I don't have a credit score,  which is a lie. XXXX XXXX gave me three fico scores in XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I received these scores over the phone from XXXX. I lost the house that I was interested in buying over this playing around with my score. I want my points back. This was a great disservice and even though I have a 40 year credit history through XXXX XXXX XXXX it doesn't appear on my report. So I started over again with XXXX and I have a XXXX XXXX Credit Card 4 months ago. My score was just updated to XXXX XXXX XXXX, XXXX   XXXX had this abuse not happened I would be well into the mid 700 's, since I have no derogatory marks against my credit or late payments.
XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

XXXX : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

Experian : Multiple account with wrong information, Date of last payment false, Loan amount wrong, Balance on XXXX, Open dates wrong, close dates wrong. I have disputed this for over 2 years still no resolution. 

These student loans have been around since XX/XX/1998 and they continue to get updated with fake payments so the servicer keep them active.
About this time last month - I had used my Chase Debit Card at a XXXX store to purchase a wallet. The next day I had notcied that my card was missing - I contacted Chase as soon as I noticed the card was missing and filed a claim with them. They never responded to the claim with any updates and I would constantanly be calling to check status on the claim. Which they would always say they had no information. So now 4 weeks later - I find that my checking account accocated with debit card was closed. I contacted chase again and they claimed to have contacted me to let me know but never did. They said the account and card was closed due to the charges I claimed as fraudulent were maybe before the purchase at XXXX. The purchase at XXXX was made in the morning time, and Chase is arguing that the charge at the XXXX store was made at XXXX which is impossible because the store closes at XXXX. I feel like Chase bank is discriminating against me because I am XXXX. I have been a long time customer with them and I do n't know why they are treating me like this. Chase bank says they would like to end their relationship with me and I can no longer bank there, which is unfair. I have been a good customer and want to still bank with them.
In XX/XX/2018, I filed a complaint with this organization regarding Professional Credit Analysts of MN , Inc. My complaint ( XXXX ) centered around the fact that they placed a collection on my account, and never responded to my letters ( XX/XX/XXXX and XX/XX/2018 ) regarding my request to validate the debt. To date, they still haven't provided any information that validates this debt as mine, yet they continue to have this collection on my account. As of XX/XX/2018, I have confirmed via XXXX, that this company isn't even registered to do business in the State of Florida. They don't have an office nor a registered agent in the state. So they are not only filing erroneous collections, but they are also acting illegally by not being registered with the state of Florida as a debt collector.
XXXX XXXX XXXX is continuing to sell debts to its companies XXXX of which is NCA ( National Credit Adjusters ) so as to make it appear that they are following a decision recently not to collect any more debts or sell them to other debt XXXX. XXXX XXXX has different departments. XXXX and XXXX for NCA so they will not be caught again collecting debts in their name which XXXX XXXX but actually this is their company too.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian:XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX : XXXX.
Hello, So I applied for an XXXX card around XXXX of this year. My account with Chase was put on hold for review. I got a call and answered some security questions, they told me that I was going to get another call in the next 24 hours. Never got the call. Called several times after to get my account cleared, stayed on hold for over an hour many times. On three different occasions I was told by Chase representatives that I successfully completed the identity verification but they could not unlock my account, so I was supposed to get another call in the next 24 hours. They put all my accounts on hold, but that is not all. I also have a British Airways Visa card from Chase, I had put a few bill payments on it a couple months before this happened and I paid it in full. About two months ago I received an email from my bill payment service that I had disputed a few transactions, which I never did and I told them that. Long story short, my payment provider lost the claim and we lost over {$3000.00}. I called Chase several times but they do not want to speak, hold times for the fraud department are really long, when you do get a hold of someone they can not help. I do not care if I kept the accounts with Chase, but they crossed the line. They disputed a transaction on my behalf without my consent, right now I have to pay my payment provider over {$3100.00} for something that Chase stole from me. Please help me.
Seterus did not apply my last month 's payment to my mortgage. It is going into a suspense account, which then generates a penalty, even though the payment is timely. They are also adding other unjustified charges. The Consumer Financial Protection Bureau allows these abuses to continue. They do not protect the consumer and should be disbanded.
I contacted TransUnion on XXXX XXXX, 2016. I disputed items on my credit report and asked that the items be corrected and updated. I called them on XXXX XXXX, 2016 and spoke with a representative as well as a Supervisor and asked them to remove the items due to the Fair credit Reporting act as to there failure to respond in a timely manner.
This is an ongoing situation that I have with Bayview Loan Servicing LLC.. They have not fixed or credited my account for any of their errors. They have sent me a point of contact letter from a XXXX XXXX XXXX ( document attached ) and in that letter it has options and offers available. I have responded to her in a letter ( attached ) to send me any and all available assistance asap. I have also attached a statement I received abouit a week ago from Bayview ( XXXX statement I 've ever received from them ). On this statement towards the bottom of the first page on the right the show recent account history. On that it shows no payment received for XXXX and XXXX of XXXX. Not true, I sent money orders for those months in the amount of XXXX and XXXX. On a ledger sent to me by their attorney XXXX XXXX he shows the money orders however he shows receiving them both in XXXX. So, their inconsistency in accounting is VERY AGGRAVATING, and negatively impacts me monetarily and every other way.. I am also attaching a document of mine from XXXX XXXX XXXX for my XXXX tax records. In the middle of the form it has a paragraph stating " Bayview Loan Servicing LLC has requested the original tax bill with the intentions of paying it on my behalf ... .I HAVE NEVER GIVEN BAYVIEW PERMISSION TO DO ANYTHING on my behalf ... IS this even allowed. I do not want Bayview Loan Servicing to be able to get my records without my permission ... .Also, I would like an explanation of why Bayview XXXX telling you and other agencies and myself that they have owned my loan since XXXX. I made monthly payments to XXXX Mortgage for 7 years and got a transfer letter from Bayview in XXXX XXXX ( see attached ).
When we bought the home on  XX/XX/XXXX  we also received checks around  XXXX   XXXX  to pay off some other bills. Within  two  weeks our company went bankrupt and we had to file bankruptcy also. We still had the checks from Beneficial. Our lawyer and  Beneficial  said to send them back to Beneficial. That is when the problem started. I sent back all the checks to Beneficial but they never took them off of what we owed. I asked to get copies of the checks but to no avail. I told the gentleman I want to keep the house and I wanted it to be reaffirmed and he said ok.   I have been trying to get  XXXX  since  XX/XX/XXXX . My doctor has told me not to work. I am just asking to keep my home. Every since we bought the home it has been a nightmare. There was no home inspection done at the time that we bought the home and we had termites. That was a fortune to get rid of them and now the floors in the living room where the termites were is caving in and we are scared to walk on them. I still feel there is something wrong with the way the paperwork and closing was done. I have asked  Beneficial  to do an audit on our closing paperwork but to no avail.
XXXX the HDFS manger called the XXXX police on me and filed a fake police report saying I was suicidal. Im a young XXXX man in Missouri this couldve gotten me killed.
On XX/XX/2018 I went to a branch at BB & T to STOP the authorization of Overdraft Protection. I signed all necessary paperwork and still have not been unenrolled in this program. It has cost me {$300.00} worth of fees in 3 three months.
On XX/XX/XXXX, I applied for a credit card transfer with Bank of America and was denied with incorrect information! I contacted Bank of America about this matter and the representative told me that I had to file a dispute! But I contacted XXXX to ask them to file a dispute. They told me that the Bank knows that they have to take care of this matter themselves and that their XXXX representative will be contacting them. As a consumer I have a right to protect my credit report especially when there are inconsistencies on it! Also, I contacted Bank of America once again about the issue today XX/XX/XXXX and was told that incorrect information would not affect the decision! How can a consumer protect their credit report? Or the Banks are not held accountable for reporting incorrect information? This impacts my credit report greatly! Does the consumer not have any rights! It seems like the banks and big businesses have all the control and rights over the small consumers! They have the control over dedicating montenary value! In other words, who gets what, how much and preventing others from acquiring personal property etc. and affecting their life styles! Not fair!
I have a mortage with Nationstar Mortgage. Every few months I have to request payment history to check how the money is applied. Most of the time they do n't apply it correctly. I have been sending extra {$200.00} a month towards principal. XX/XX/XXXX I got the payment history and {$1000.00} ( XX/XX/XXXX-XX/XX/XXXX ) was not applied to principal. The money went to Corporate Advance??? account, Misc. account not to the Principal like I requested on the check. XX/XX/XXXX I sent an e-mail to NationStar. To this day I did not receive the copy of the corrected account which I requested. Nobody got back to me. The only letter and e-mial is the confirmation of receiving the complain. When the mortgage was with XXXX XXXX XXXX everything was clear. With Nationstar nothing is clear and the fact that they refused to sent me a statement make them do what they want.
I have an auto loan with this company that is current. However when my payment is due the bombard my cell phone with automated messages. I 've asked XXXX multiple times to stop this and it continues. I have documented over 50 calls like this. I have told them I do not authorize automated calls as the # they use is my cell phone and I am at work ( XXXX ) when they harass me. Today I started getting text messages as well that my payment is 1 day past due.
I have n't received any letter regarding my payment and directly sent to the collections.I noticed after almost a year on my credit report that I have a collections and called Mountain landing collections and paid the amount which was said that owed.Now after almost a year later I see still XXXX $ on XXXX saying that I owe.
I had received a XXXX in XX/XX/XXXX from a collection account from XXXX XXXX and I filed it with my XXXX taxes. I had then called the company on XX/XX/XXXX to see if I can pay it off so my balance would be at XXXX and I would have no past due so my credit score would raise. When I called I was told that the loan was forgiven and that I did not have to pay it anymore. So I asked the gentlemen what do I do now? He told me to file a dispute with all three credit reporting agencies and state that the loan was " forgiven ''. On XX/XX/XXXX I had filed the dispute the all three credit reporting agencies and stated that I was told to do so by the creditor. 
On XX/XX/XXXX, Transunion contacted me and told me that disputed information was updated and that a change has been made on my credit report. The balance due and past due amount was now XXXX and the pay status and remarks now said that the account was paid in full. 
Then on XX/XX/XXXX I received an alert from Transunion stating that a account on my report had changed. When I called on Monday, XX/XX/XXXX I was told that XXXX XXXX had updated my account again to show a balance and past due amount. Transunion told me to call the company because they should not be reporting that since they had updated the account on XX/XX/XXXX. 
When I called XXXXXXXX XXXX and spoke to a representative they told me that they had no knowledge of the account being changed to begin with. They told me again that the account was forgiven and that there was nothing I can do. They also told me that Transunion was lying and they never updated the account to show a XXXX balance and a XXXX past due. They did say that they did update it with an account forgiven. When I asked them why did Transunion tell me that they are not allowed to update my credit report that only the creditor can do that they told me that Transunion was lying. 
I called Transunion right away and they sent me the original updated information from XXXX to use in this dispute.
I had a fraudulent {$250.00} charge applied to my account on XX/XX/XXXX. The name on the transaction was XXXX. I disputed the charge with Capital One and they agreed to investigate. As of today I have not received any update on the dispute and it has been over 6 months. When I call or email Capital One about when I can expect a {$250.00} credit for the fraudulent charge I get no answers. I wanted to close this account XX/XX/XXXX but Capital One said that since a charge is in dispute I would not be able to close the account. Consequently, I had to pay the {$39.00} annual fee and do not even want this credit card anymore.
XXXX XXXX located at XXXX XXXX XXXX. XXXX, SC XXXX, I was living with someone at the time, management advised I had to go on lease as I occupant over the age of XXXX, but I will not have any financial responsibility because im not a leaseholder, lease holder defaulted on the debt and the past due balance of XXXX prior collection agency removed from my report, however new agency placed account back on my report.
Prequalified for a mortgage and rate locked in at 2.87 % for a 5 year ARM. 
Bank of America has caused innumerable delays in loan processing ; lost documents, me resubmitting the same thing over and over, " just one more thing ''. 
Now two weeks before closing the say they wo n't approve me for the 5 year arm, just a 7 year arm at a XXXX percent, a 0.35 % rate increase. They say my income, which I have been honest about through the whole process, is suddenly too low, so they are making the payment higher. 
It is a racket. I want them to refund the mortgage appraisal fee which I paid RELYING UPON the original " truth in lending '' statement. 
What good is a " truth in lending '' statement or a rate lock if the bank can just ignore them at the final hour. It is extortion. I spent money on an appraisal based on their original disclosures and I want them to either honor their original rate lock or refund the money I outlaid, {$460.00}, because I was relying on them honoring their end of the agreement.
Lendmark has repeatedly try to contact both my husband and I at work even after they were told not to, that they were jeopardizing our employment. They have been notified that we are working with a debt consolidation company to help resolve our debt.
I applied for a loan modification with Nationstar Mortage a year ago. The modificaiton was approved but they added XXXX extra to XXXX mortgage stating that these are all fees I owe to them, I have been requesting an itemized breakdown of the fees and have not been successful. I believe these fees to be extremely high and would like a clarification on such. Please help
I tried to place a freeze on my Equifax credit report and it is already frozen. 
Hacker with my info froze my report and now are the only ones that can unfreeze it with 10 digit number. 
They can unfreeze for a day, buy a boat and refreeze it. 
I no longer have any control over my credit.
I currently have a loan serviced by Navient, which is a variable interest rate loan. Every time I make a large payment to the loan the interest rate increases another .25 %. I made a payment on XX/XX/XXXX for {$290.00}. The loan was at an 11.25 % interest rate. I made a payment on XX/XX/XXXX for {$1300.00}. The loan at that time was at an 11.25 % interest rate and was worth {$21000.00}. On XX/XX/XXXX I made a payment for {$3000.00}. The interest rate at the time was 11.50 % and the loan was worth XXXX. The loan is now at an 11.75 % interest rate ( XX/XX/XXXX ). I am aware variable interest rates change over time, however the interest rate remains stagnant until I make large payments. It is not clear how they are calculating the interest rates on private loans, and they provide vague examples on their webpage.
My daughter XXXX insurance is with her dad ( XXXX ) on the day of her office visit she was brought in for a wellness check. While in the process of seeing the doctor she was tested for strap and tested positive so the visit was coded different as a result her insurance covered it and I have paid the account and have been reimbursed by the insurance company so I would like for it to be removed from my credit report. I have contacted XXXX which is the collections company reporting on my XXXX and they have failed to remove this account that was reported in error
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Jefferson Capital Systems is claiming a debt of {$550.00} which was settled directly with XXXX and XXXX XXXX XX/XX/2013 ( Can provide letters and certificate of mailings ). I have writen to Jefferson Capital Systems under the Fair Debt Collection Practices Act, Section 809 ( b ) and they still are telling the Credit Agencies that the debt is valid although they have failed to verify the debt, specifically : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Provide a verification or copy of any judgment ( if applicable ) ; 4. Proof that you are licensed to collect debts in ( insert name of your state )
The following ( attached is a complaint just filed which I meant to identify as a DUE DILLIGENCE issue with the application process. ) Please see attached I want to reiterate again that Wells Fargo is acting in retaliation and discrimination because where I bought my home was a predominantly XXXX XXXX neighborhood and because they are upset that I have been trying to modify and keep my home.
I keep receiving mail and all correspondence from this agency claim that he purchase my mortgage from XXXX XXXX along with my United States XXXX on XXXX XXXX, 2017 XXXX XXXX left a letter envelope outside my door in this letter was advertising from Bayveiw Loan Service offering me to Cash for my Key to my house that withdrawal {$50000.00} from my pension to put the downpayment down stating that I Get cash to help you move to a new home accept this offer today. My pension was without and paid for me to move here why would this agency ask me to release my title of my home and all contents in the home to them for {$2000.00} is this legal please investigate this agency ensure that it legal to offer a home owner and all misconduct and mismanagement found all individual involved be convicted according to United States Federal Regulations
I had a payment due for a line of credit from a furniture store, I had to pay off the balance before the end of a 6 month special financing. I mailed the check 15 days before the due date for the full remaining balance, now on my latest statement, it says the payment was late, almost 20 days after I mailed it. so now I am subject to a late fee, which will then cause there to be an outstanding balance, where they then will charge me the exorbitant amount in interest on my entire balance at time of purchase. I have made every payment on time or early and my balance would have been paid in full had they not intentionally sat on the check until it was late.