WillisBack/dataset-financial-user-claim huggingface dataset:
I have asked Vanderbelt mortgage company to assist me in a hardship since mine and my husband 's health has deteriorated in the past year we can not pay our mortgage in full. I have submitted hardship paperwork showing that I need help in refinancing our loan with a lower rate this bank is taking almost 11 % due to our credit being poor. They refused to help us. We have searched other banks and because our credit is not perfect no one will help us. Me and my husband are XXXX my husband is retired military XXXX and I have had XXXX due to a severe accident. We have XXXX children and are afraid of losing our home. With all these new government programs out there that are supposed to help with lowering your interest-rate no one can seem to help us because of our credit. If Our credit was perfect we would not need the help ... these programs should be designed to help people with poor credit. We have had our home for a year now and Vanderbilt Mortgage Who works with home first Who works with home first House insurance has raised our payment twice in one year by almost {$400.00}. Please we need some help in refinancing to a lower rate in fear of losing our home and this bank is ripping XXXX people off. This bank in particular is the only one that takes people with poor credit and charges a high interest-rate.
Equifax has reinserted XXXX after they deleted it on XX/XX/2017. I have never received any notice of the account be reinserted ( requirement of FCRA section 610 ) ... they are violating the law & I need this account removed AT ONCE!!!
I have requested My Mortgage Company to start reporting my Payment History, After a Chapter XXXX Bankruptcy, which was discharged 2 years ago, they have not reported to the Credit Bureau, Now I am attempting to refinance this House at a much lower rate, but the Finance can not see my credit history on this house. I can not afford this house at the current payment, since I 'm now Divorced since XX/XX/2016. I 'm just wanting them to report this information so I can have this refinance to go through. HSBC has sent my report to me in paper form for the past 2 years, but the refinance company is requesting it be reported.
I have a XXXX XXXX XXXX XXXX dispute on credit report. This was ID theft. I sent bank and credit reporting company a copy of sworn statement. I sent this statement prior to this being posted to my report and it was still posted by bank. I should not be held responsible for something I did not do.
My social security number was stolen from me to open fraudulent accounts under my name while I was in the Military. I lost my wallet with my social security number and do not know who open the fraudulent account in my name.
I want to link my Capital One checking account with XXXX. They are blocking access. I was instructed that I have the right to access my financial information and to file a complaint here. They allowed me to connect with XXXX, but not with XXXX. I think this is completely unfair and possibly illegal.
On XX/XX/2017, I received repeated and annoying phone calls from Nissan Motor Acceptance Corporation. There were four phone calls. The phone calls occurred at XXXX, XXXX, and two calls back to back at XXXX. This is in direct violation of the fair debt collection practices act. Considering this is the second time within a two month span that I have been a victim of a violation of this act from the same company, I am led to believe that something more egregious is happening. Therefore, it may be necessary for me to involve an attorney.
Tried to resolve issue with the credit collection agency for which I have never entered into any type of agreement/arrangement for them to charge me or take any action against me for the false charges they trying to collect third hand. Moreover, these are charges are for my son and they are trying to assess them to me!
I notice this company XXXX XXXX place a collection on my credit report but it 's already place on my report from another company I received nothing from this company stating they will be placing anything or attempting to collect any debt from me. I search for their licenses to collect debt in the state of Florida and I could not find anything from them or their parent company on the states website.. I contacted the bbb and they responded that they will remove the item from my credit report and they have yet to do so.. I have read a lot of complaints on this company and some have stated that they are a fraudulent company and they way they conduct business is not of standards.
Hard inquires that I did not authorize and that ca n't be verified specifically. Student loan that is showing up has duplicates and reporting negative ( XXXX ). Incorrect address ( XXXX XXXX XXXX XXXX ). Two revolving account XXXX XXXX XXXX and XXXX credit card. Also, a incorrect name XXXX XXXX. I 've been given the run around about these issues and never a direct answer or verification of the list of items mentioned.
I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " Federal Pacific Credit LLC '' under account number XXXX. Federal Pacific Credit has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. The company often refresh this account on my report. Balance of this unknown account his XXXX in last 6 months. Also company is reporting multiple 120 day late payments to further affect my credit score. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Federal Pacific Credit has failed to provide the information requested. Or even responded. They also us multiple mailing address for their company were they do n't sign for mail. Multiple returned letters. I have called the company to get mailing address from them directly and still my mail gets returned. Federal Pacific Credit is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue is n't resolved immediately. Federal Pacific Credit has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Federal Pacific Credit has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Federal Pacific Credit currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Federal Pacific Credit possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.
They keep calling me almost every day. I do not have the means to pay them right now. For them to continue to call and harass wo n't make me have the money.
I tried contacting Navient to lower my monthly payment for my private student loans. They told me that while they do offer income based repayment options, only XXXX out of my XXXX loans was eligible for this incentive. They told me that my other XXXX loans were not eligible as they were not dispersed before a certain date. I called on XXXX separate occasions. The first time I called they informed me that they could lower my student loan payment from {$410.00} a month to {$280.00}. Then they they told me that they could only get it down to {$360.00}. I had to end the call because my lunch break was over. I called a second time and they suggested that I should refinance my private loan and upon further questioning they decided that they were not able to lower my monthly payment at all. I just want to lower my monthly payment as I have just exited my grace period and I am still getting used to life outside of school. I need a helpful solution.
CHASE CARD MADE A HARD INQUIRE ON MXXXX REPORT ON XXXX/XXXX/2016 THAT I DIDNT CONSENT TO
I made my mortgage payment on XX/XX/2017 in the amount of {$1300.00}, which was about {$6.00} more than what was due, and I asked that the {$6.00} go towards principle. On XXXX/XXXX/2017 there I received an email from my mortgage servicer that they had received {$350.00} which went towards escrow. I did not request this payment and frankly did n't plan financially to make an additional payment this month. When I called my servicer they said " oh, must have been a mistake '' but were unable to stop the payment from going through.
Greetings, The following letter is to notify you of TransUnion questionable handling of personal information and unexplained charges. 

On XX/XX/18 I requested an annual free credit report from TransUnion. Then on XX/XX/18 I noticed a charge of {$19.00}. 

I called the company 's customer service XXXX ( XXXX ) XXXX and right away they asked for my social security number. I informed them I do not give out my full social over the phone. They looked me up with my last 4 digits, name, and street address. I tried asking why I had that charge on my account and wanted to make sure I was not signed up for any monthly charges, The phone operator did not answer my question and kept on insisting I call another number, XXXX, stating that it is the Transunion Credit Online Monitor. 

I called XXXX number and dealt with a very similar process. I asked if there was a transunion ID number I could provide, but they seemed to really want my SS number. The operator again insisted that I should call XXXX, yet that is the number I called. 

Upon further research it appears that other customers have dealt with unexplained charges as well when trying to receive a free credit report. On TransUnion website I cancelled my plan that I was not informed of having on XX/XX/18. 

It strikes me as odd that the operators did not inform me how to cancel a possible plan, always redirect me to a number even when that is the number I called, wanted my SS number immediately, and charged for a free annual credit report.
I ca n't remember the date right off hand but the company took XXXX from me saying I had unpaid prepaid card bills they would call me unknown saying they need money for unpaid bills this the other week they called saying I would have to send money for unpaid prepaid cards I do n't understand why would they take from me!!!! I thought prepaid cards was free
Pro Collect Inc. in XXXX Tx representative threatened to reage 7plus years debit after it has already been completely removed from all 3 credit bureaus only one amount was on there from them which was {$550.00} now they are adding 4 more years are ( XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ) all from the past. I received an invoice of {$400.00} which is not on my credit report but they are putting it back it's been over 10yrs for  this one. I spoke with the representative on XX/XX/XXXX around XXXX @ XXXX a female she only seen this one but we got disconnected and so I called back in a male answered XXXX at XXXX and told me he see the one 's in the past that need to be paid and if I don't they'll place them all back on my credit report. I advice him that they've been off for years now and he stated it's Texas they can be put back on for up to 10years.
Around XXXX XXXX I encounter a family funeral expense and could n't pay my VA Mortgage on XXXX XXXX and I made contact with First Continental /XXXX. 
On a recorded conversation on a landline from my cell phone # XXXX with First Continental rep stated that I can be provided support on XXXX XXXX mortgage payment of {$1700.00}. 
I respectfully requested a deferment of my Va mortgage payment of {$1700.00} for XXXX XXXX and {$1700.00} be placed on my loan payoff, because my XXXX Agent XXXX of XXXX, Texas has listed my home for sale on the XXXX to payoff for the VA loan of {$250000.00}. 
First Continental Mortgage wants me to reapply for a loan modification or Forebearance? Why? VA Lender can just have the {$1700.00} on the VA Loan payoff once my home is sold. 
I been having issues with First Continental /XXXX since XXXX XXXX till Present and now I am selling my home.I have filed various complaints against VA Lender since XXXX XXXX till Present. 
As a XXXX XXXX XXXX Military Veteran I been going through a Discrimination and Retaliation with VA Lender. 
I am XXXX and Retired. 
VA Lender stated they do n't have a payment deferment, but they want me to do a Loan Modification for the {$1700.00} XXXX in which they can put that {$1700.00} on the payoff of the loan was my home is sold. 
Since my filed in XXXX, Texas Bankruptcy Chapter XXXX on XXXX XXXX and BK XXXX discharged on XXXX XXXX by Federal Judge. 
On XXXX XXXX I began making timely VA Mortgage till XXXX XXXX of {$1700.00}
My loan was modified and I made three payments as requested but then the loan was transferred and foreclosure action started. i applied two more times, they denied it without any reason why denied. they sent me no documents indicating the reasons. I engaged a lawyer to protect our interest. My lawyer got an extension and NationStar Mortgage promised that they will send documents for modification. They never did even though my repeated calling. Their answer was that they do n't have enough time for modification.
{$7900.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested gift cards for XXXX XXXX XXXX   XXXX after funds hit my account. 

{$15000.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested gift cards for XXXX XXXX XXXX    XXXX funds hit my account. 

{$6500.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested ( 5 ) XXXX XXXX 's for XXXX XXXX XXXX   XXXX after funds hit my account. 

The first ( 2 ) POs were approved to pull from the XXXX XXXX accounts. When they bounced, XXXX XXXX authorized me to put ANY fund necessary to accrue for the bounced funds and be properly paid through the JP Chase Account ending in XXXX. 

Purchased orders were given as well as a commission for my procurement project given to me.
XXXX XXXX XXXX charged me a returned payment fee {$27.00} when I had money available in my account I checked my balance before phone ordering my payment and I had money in my account. Turns out that XXXX XXXX XXXX got paid twice and still decided to charge me a returned payment fee of {$27.00}
Equifax Credit Report reflects adverse accounts which are beyond the XXXX year reporting period. According to the FCRA adverse accounts may remain on a consumers report for a period of XXXX years from the original delinquency date, which is the date the account first became delinquent and was never again current. In addition bankruptcy does not alter the original delinquency or extend the time the account remains on the credit report. While I filed bankruptcy in XX/XX/XXXX, the original delinquency date of these accounts is XX/XX/XXXX. This would result in these items being removed from my credit report as of XX/XX/XXXX. Upon disputing these items directly with Equifax the response was " There is no historical account information ''. If Equifax has stated that the creditor has no historical records, this would mean either the creditor and or Equifax has failed to maintain supporting documentation or these adverse accounts. I, the consumer should not be penalized by carrying adverse accounts on my credit report beyond the XXXX year reporting period due to the Creditors and or Equifax failing to maintain historical data or supporting documentation. I have requested supporting documentation of the investigation and advise by Equifax they are required to furnish such information. If the creditor has advised Equifax that there is no historical data, how can they on a second dispute that they have updated the information. How would the creditor provide updated information on an account that they have stated they have no historical records. Where would the updated information come from? Equifax is acting as a representative of the creditors rather than a neutral party by not requiring documentation from Creditors but requiring this from consumers. The account in question is XXXX. You may review the attached document for account number. Please remove this adverse account
I cosigned a loan for a family member back in XX/XX/2014, am XXXX and ca n't pay ( my income was noted on the original application. Said student dropped out of college, took the money and is now in hiding and is unreachable. Got original loan through XXXX ( predatory loan approval ) Now I am being harassed by auto-dialer through Sallie Mae, who the loan went to for the college attended. They call 3+ times per day, fill up my voicemail inbox with robot messages. I recently had to put an app on my cell phone so that when they call, it hangs up and does n't go to voicemail. I SORT OF got peace of mind back, but the app makes a call log so I still have proof they are still calling, even on Saturdays and Sundays! I feel they have no right to do this to me. They have also told me there are " other accounts '' open in my name ( which I found out they lied to me ) and also have been threatening to take things from me ( I have no car or house so not worried about that ), threatening me with jail time, and saying they will take me to court every 6 months to prove my XXXX/income exemptions. They are also letting me know that I will go into charge off at the end of the month. They REFUSE to let me off the phone until EVERY PENNY of exempt income is accounted for, even food stamps! I tried to let them know I was taken advantage of at every step, and that since they ca n't get a hold of the student, they come after me. Student is refusing to take responsibility and at least try to pay {$10.00} a month to show good faith, but is refusing any responsibility for the lies of being able to pay this all back and I have nothing to worry about. THE WORST HAPPENED that was promised not to happen.
My baby sister, XXXX XXXX XXXX, WAS KILLED ON XX/XX/XXXX. CITIBANK WHERE OUR ENTIRE FAMILY BANKED FOR THEIR BUSINESS, HOME MORTGAGE ... AND DAUGHTERS AD WELL. 
WE CONTACTED THEM, CITIBANK, XXXX XXXX XXXX, XXXX XXXX TX, XXXX FOR ACCOUNTS ENDING IN XXXX. 
LETTER DATED XXXX XXXX XXXX IS IN MY HAND FROM CITIBANK WITH INSTRUCTIONS WHICH HAVE BEEN DONE NUMEROUS TIMES, VIA FAX, VIA REGISTERED LETTER. BANK REQUESTED, TRANSLATED DEATH CERTIFICATE, LEGAL LETTER OF EXECUTORSHIP, ACCOUNT NO.. 

THE ONLY INFORMATION AVAILABLE IS THAT THE ACCOUNTS ARE CLOSED. WE CAN NEVER GET ANY INFORMATION OTHER THAN IT WAS RECEIVED BY XXXX. 
IT IS NEARLY END OF XXXX. THE MONEY WHICH IS XXXX. IS NEEDED FOR A LAWYER TO SUE XXXX WHO KILLED HER AT AGE XXXX. 
MY FAMILY AND ARE GRIEVING AND THIS HAS BEEN A SHOCK. HOW MANY TIMES MUST IT BE DONE ESPECIALLY WITH CONFIRMATION OF RECEIPT AND ONCE AGAIN CAANOT REACH THIS XXXX. 
IT IS A DISGRACE THAT IN DEATH THEY HAVE TO MAKE YOU SUFFER. WHEN THEY WERE CUSTOMERS AND NOW ARE IN ANOTHER COUNTRY, HAD TO PAY AND GO TO GREAT LENGTHS TO TRANSLATE BY ACCEPTABLE SOURCES THEY REQUEST. 
MY FAMILY IS ELDERLY, AND WE ARE ALL BARELY SURVIVING THIS TRAGEDY. 
FOR XXXX IT HAS BEEN NEARLY 8 MONTHS AND WE ARE NO CLOSER. 
THEIR SUPPORT SEVICES ARE IN XXXX ... THEY REALLY SHOULD BE FINED AND ABSORB THE COSTS. 
THEY ARE NOT IN NY AND IT IS CONSIDERABLY EXPENSIVE TO SEE A LAWYER, AMERICAN CONSULATE ... 
DISCHUSTING.
Ocwen does not approve me for a loan modification due to incorrect value that they have in their system, I have forwarded them a certified appraisal report about 1 month ago and they have still not changed my property value, they keep denying my modification saying that I have equity in the house and the NPV test has failed. I want you to intervene and have my property value changed to the certified appraisal value so that they can re review my application and approve me for a loan modification.
The problem is actually very simple. We have two credit cards. a personal card with a credit limit of {$19000.00} and a business card with a limit of {$29000.00}. This gives a total credit limit of {$48000.00}. Each month our total balance for both cards is approximately {$10000.00}. Both XXXX and Transunion, according to XXXX XXXX, calculate the balance to limit ratio and If this number is over 30 % it is a " high impact '' factor for determining the credit score. This would be fine except that each month the " limit '' number used is shown as {$19000.00} instead of {$48000.00}. The " balance '' number used is always the sum of that of both cards, usually around {$10000.00}. $ XXXX {$19000.00} = 51.3 %, well over the 30 % guideline. The actual number should be, of course, $ XXXX {$48000.00} = 20.6 %, well under the guideline. It should be noted that we pay each card off completely every month so that in reality our " balance '' is XXXX. We haven't paid any interest charges in years. In any case I would simply ask that the proper number showing the sum of the limits of both cards be used in the calculation. The system for resolving disputes with these companies is very opaque and seems to allow only the most determined to make any progress. Thankyou for your kind attention in this important matter.
Hello, I purchased my car from XXXX XXXX via Huntington National Bank financing on XXXX XXXX, 2012. It has recently come to my attention that my interest rate was not a reflection of my credit score at the time of purchase but rather an unfair Increase in order to make a greater profit from me. As a woman, with very little knowledge and experience about car buying I feel taken advantage of from XXXX XXXX and Huntington Nation Bank. 

At the time of purchase my credit score was about XXXX and my interest rate for this loan was quoted and charged at 9.50 % APR. I think this rate is too high for my credit score at the time and XXXX XXXX and Huntington National Bank used unfair credit practices towards me. 

Thank you, XXXX XXXX OH, XXXX XXXX XXXX
On XX/XX/2018 went at XXXX XXXX. XXXX XXXX Branch at Wells Fargo ; XXXX XXXX ; address XXXX XXXX XXXX, XXXX, CA XXXX. XXXX # ( XXXX ) XXXX / Fax # ( XXXX ) XXXX. I spoken to XXXX " Branch Manager " Also XXXX XXXX Bank manager. Trying cash {$20000.00} cashier check getting {$2000.00} cash rest cashier check. They refused my customer service, and wanted me open account. I declined open account n cashier check was fro Well Fargo Bank. These two have no customer service skills what so ever. should be removed from their positions, replaced with friendly customer service bank manager n branch manage immediately. I can be reached at XXXX or phone ( XXXX ) XXXX. I will not be returning sorry excuse authority bank people. 

sincerely, XXXX XXXX
I made a purchase on my card that I wanted to dispute and to block a merchant. The first time I called I had no problem and I had the rep note the conversation and the issue so when I called back I would not have a problem. The rep said that I had to call back because the charge was pending. When I called back I was transferred to XXXX reps put on hold for half an hour and drilled about who I was!!! It was a {$9.00} charge that I wanted to dispute and block any further charges. I was told that I needed to send it the information I could not " verbally '' tell her on the phone!!! First she said my address was n't coming up in the system ... ..I said that 's really strange and how are you going to send me my bill??? She became very rude talking over me and then she " somehow '' disconnected the phone line when I asked for her name?? I told her to cancel my card she told me she was not able to do that however she could block any further charges!!! LOL well that 's basically what I was telling her to do. Unqualified and Unprofessional and a waste of my time dealing with Untrained csr.
XXXX XXXX XXXX is not allowing a third party application to access my account even though I approve the access. I should have access to my account.