WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016, I received an unsolicited call from XXXX XXXX at US Bank in XXXX XXXX, Arkansas extending an offer to consolidate our loans ( a first and home equity line ). She offered 3.5 % interest on an {$88000.00} loan, for 13 years and payments of {$700.00} ( excluding taxes and insurance ). We agreed to the proposal and began to complete the paperwork to finalize the loan. In the course of our conversation, I *specifically* said " Now XXXX, you 're locking us in at the 3.5 % interest rate, right? '' and she responded with " Yes, I 'll lock in the 3.5 % interest rate ''. I know her exact words because I 've had problems with being baited and mislead with this bank before and I was typing as she spoke. I subsequently received a written Loan Estimate from US Bank with multiple errors - an increase from {$88000.00} to {$94000.00}, cash back which I told her I did NOT want, and ( the primary reason for my complaint ) and interest rate of 4.74 %. I contacted her, expressing my concern, and her reply was " Hello XXXX, I am sorry for the misunderstanding but the rates that were quoted were as low as rates ''. As I mentioned above, I 've had problems with being mislead by US Bank before when we agreed to a Home Equity Line of Credit, but I accepted that as being my fault for not reading the fine print ... that 's why I was so exact with my wording and took the time to write down her specific words when she called. She did NOT say that she was extending us an offer " with rates as low as 3.5 ''. She deliberately and specifically said " I can offer you 3.5 % interest on a loan consolidation '' and then specifically said ( I know I 'm over-using that word, but I 'm very upset right now ) she was going to lock that rate in WHILE WE WERE FILLING OUT THE PAPERWORK ( taking down wage information, confirming employment, etc ).
The firm of Pressler & Pressler has filed a levy with my bank for a debt they claim is mine. I have never received any notice of this debt or the lawsuit they apparently filed. I have received XXXX documentation. I first became aware of this debt when the levy was filed with my bank. Upon contacting Pressler & Pressler, I was told they contacted me at an address I have not lived at in many years. I was then told they have been trying to contact me at my current address for the past four years, however I have only lived at my current address a few months ago. They said they have sent many notices, but have no proof of service or anything with my signature indicating that I have received even a single letter from them. They have offered no proof that this debt is mine. Additionally, they were extremely rude when I contacted them and claimed that they have other debts they are trying to collect from me. Again, I have never been contacted by them, they offered no proof of the validity of these debts, nor any proof that they contacted me at any point in time.
I received a letter in the ail from XXXX XXXX XXXX XXXX account ending in XXXX to collect on an old Chase debt, Acct-ending in XXXX. I called XXXX and told the rep that the debt was not mine and also asked for more information about this debt. The rep told me it was from 2006 and I told him I never had a chase account and also that this was an expired time barred debt. Rep told me that it is still collectible. I asked the rep what I needed to do because I never had a chase account for credit and also I did n't want him or his company contacting me further due to a debt I never had. He told me he would start dispute and to file police report and submit letter. I told him I would submit letter but this debt is n't mine and he did n't give me any info to file a police report except the year this account was opened no further info to file proper police report. I wrote letter and told company not to contact me further that this debt was n't mine.
All inquiries were made on address I no longer reside and have not lived it in more than 2 years.

XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX   XXXX  Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( XXXX ) inquiry was made on XX/XX/XXXX ( Experian ) 4 inquiries from XXXX XXXX alone!

XXXX/XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( XXXX ) XXXX - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company.

The inquiry was made on XX/XX/XXXX ( XXXX ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.
Have an 11 year payment history, paid as agreed to Citi Bank XXXX. Currently showing on my credit report as 2 months paid only, and that a bankruptcy occurred inXX/XX/XXXX. This is adversely affecting my ability for home financing on a purchase contract closing XX/XX/XXXX and must be corrected asap. Thank you for your help.
They claim to be National Credit Adjusters-Seeking money I borrowed from XXXX XXXX XXXX over a year ago. It was for around {$500.00}. The man named XXXX was very rude, telling me to go take a loan from a bank, asking me where I bank, if I care about my credit and kept asking many rude questions. I kept my cool and told him I would deal with Ace themselves. He continued to be very rude and degrading. I was willing to work out a payment plan but he kept insisting I go to a bank which I am not going to take out another loan.
I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX, XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
I went to buy a car and was told by the dealer i had been denied a loan because i had 2 collection accounts on my credit report. 
I obtained the credit reports and it said I owe {$570.00} to XXXX   XXXX XXXX and originated with XXXX XXXX XXXX XXXX Everyone who has owned a car knows you can not run a bill with insurance. If you do not pay by your due date your policy is cancelled and if you have an accident and attempt to make a claim it will be denied. So the premise under which i supposedly owe this debt is entirely fraudulent. I believe XXXX XXXX XXXX XXXX has committed fraud by selling this fraudulent debt to XXXX XXXX XXXX   which is attempting to collect it from me. This fraudulent debt has caused my credit rating to go down by as much as 200 points.
My equity line from XXXX XXXX ending in XXXX was reported XXXX XXXX late when it was paid and posted within 30 days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " executive to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be 30 days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.
my identity was compromised in the past i had to change my debit card and all other accounts linked to my name
I submitted a letter in regards to items on my credit report that was not accurate. 

There is 1 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX/XXXX. XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX/XXXX. XX/XX/XXXX Please make the following corrections to my credit report. 
Thanks in advance
I have submitted many claims to Experian with regards to this XXXX account reporting on my credit file. This account was stolen and fraudulent transactions took placed. Please remove this account from my credit file. I have submitted Fraud Affidavits to XXXX and to XXXX.
Upon pulling and reviewing my credit reports I closed my account with  XXXX  Bank  XXXX   2017   (   XXXX  CREDIT CARD ) when I viewed an alert it shows  XXXX  discrepancies on my individual reports.  XXXX   XXXX  Reported that I was 30 days late in  XXXX   2017  but current  XXXX  and    XXXX    2017    with Equifax. My  XXXX  report shows CURRENT  XXXX  but late  XXXX  and  XXXX     2017  on my payments. This is clearly an error and very damaging to my credit history.
Employees at Tower Loan continue to call my job despite being asked not to call me at work. They call my cell and my work phone several times a day.
I graduate in 2015. I didnt start paying my student loans cause i want working i own then XXXX that my private loan debt. When i did get a job they wanted me to pay XXXX monthly but i can afford that i try to reason with them but they wasnt trying to help me. With my private loan i do have a co signer but the person wasnt gon na help me with it so now im on my own at the point theres nothing i can do because they be sending me threating letters and phone calls and i wan na pay then i just dont have to amount that they want because i work part time.
I was recently informed that I owe a debt in the amount of {$5000.00} ) to XXXX XXXX which is a property manangement co. used by an apartment I used to rent from. I wasnt evicted nor did I violate my lease. I moved out at the end of my lease. The property has since been sold I do n't believe that debt is correct. I have contacted Hunter Warfield Collection Agency at XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX 2015 and asked to Please send me written verification of the debt. To date I havent received anything from them. This debt is preventing me from renting an apartment and I had to move in with my parents.
To  Whom It May Concern,   On   XXXX   I disp uted an account reported  by   XXXX   XXXX   XXXX   i n the file you maintain under my Social Security number.   I was infor med o  n   XXXX   that  the item was deleted from my credit report.   Now I have discovered that the item has been reinserted on my credit report.   In accordance with the requirements of the FCRA secti  on 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) N  otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means av ailable to the agency.  <P/> I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.   I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attor ney Generals Office, and  the BBB.   Please govern yourself accordingly.
In XXXX XXXX I submitted a complaint similar to the XXXX today. SLS my servicer responded and alleged I had missed my XXXX XXXX payment, and that I did not make this payment until XXXX XXXX. If you will review attached proof of payment made you will clearly see I did not miss this payment. SLS ( my original complaint ) has been misapplying my monthly mortgage payments regularly. I do not know who can audit their files regarding my payments and unapplied payments but this is highly suggested. I have incurred late fees after late fees and now SLS has me in foreclosure.
We purchased our home with an appraised value of {$310000.00} and took a mortgage of approx. {$250000.00}. ( current balance of $ XXXX ). We have been trying for almost a year to get Loancare to remove the PMI being charged each month, based on the fact that we have greater than 20 % equity in the home and they refuse to do so. When I log into my account details at their website they show a $ XXXX value and a $ XXXX balance which clearly shows our equity yet we keep getting the run-around without results. Our homes value is currently $ XXXX and we want the PMI removed!
Had a business credit card with Bank of America and my business went under. Having trouble paying minimum and was being harassed by bank. Finally a BoA collection person convinced me to allow them to withdraw {$100.00} per month from my account each month. Trying to get a statement for over six months now and can not get anyone to help me. Twice I have been told they will Mail a statement, to no avail. I now owe over {$2000.00} more than I did when they started withdrawing and I want to pay it off but can not get anyone to tell me how to do that and what payoff amount is. Who do I contact? BofA tells me it she no longer in their system. The number they gave me - they do n't help me. What can I do?
wells fargo took a deposit from me on XXXX/XXXX/16 to this date they still have not released my funds they have bounced XXXX checks, and charged me {$70.00} according to bank check was drawn on it cleared their account XXXX/XXXX/16 so wells fargo has had this money in their account for 10 days and have refused me access I have had an account with this bank for over 15 years no one from wells fargo is interested in helping me they need to be held accountable for this and I am sure many other banking transgressions
XXXX has been non-compliant with removing the unverified account MID-ATLANTIC FINANCE which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that MID-ATLANTIC FINANCE was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
cybersecurity incident Equifax on XXXX XXXX, XXXX notice of data breach. I got letter XXXX XXXX. I used a mastercard to pay for a credit freeze service with Equifax, XXXX XXXX my name was accessed, along with my name, address, and the expiration date of the card used. before I got this letter, I had tried to make a purchase my card it was declained. I called credit card company I was told there was a breach and I would be sent and new card by mail.
Equifax posted a " major derogatory '' on my credit file that was reported to XXXX not Equifax. I have disputed the item with XXXX and it was deleted. The account was paid in full with XXXX and never should have been reported as delinquent.
We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with M & T Bank ( M & T ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. M & T was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) M & T started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX XXXX and have not yet received a response as to a decision ( 90 days since reporting ) M & T has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!
Numerous requests over the years to remove credit card information from my profile with no results. I have a Superior Court Judge judgement from 1989 attached, showing I 'm not responsible for this account and they will not remove and impacts my ability to get the best rates.
I am having a problem again with this mortgage company, they have changed their name several times in the last 10 years. They started out with the name XXXX XXXX Mortgage changed that to XXXX Mortgage now their name is Ditech XXXX. XXXX XXXX XXXX, SD.XXXX they have other addresses but thats the XXXX i have for them. They are overly aggressive about taking my house. Your company helped have helped me before with this company but they are at it again. They gave me a modiiforcation on my loan about a year ago and i made all my payments on time each month, along the way they keep adding other expenses to my mortgage payment. i keep sending in my regular payment and they start saying i was not making a full payment, that i was only making partial payments and they start putting into my account that i was delinquent but i was making my payment. They added to my payment without letting me know of their change and why, they added taxes, insurance, and their attorney fees for me to pay. Now they are threatening to foreclose for a small amount of {$1400.00}, I need help i am retired and living only on social security. 
PS.By the way my interest rate is 8.25 % and they refuse to lower it. 
Thank You XXXX XXXX XXXX XXXX
AD ASTRA RECOVERY HAS CONTINUED TO CONTACT ME FOR A DEBT THAT THEY CLAIM I OWE. I HAVE SENT NUMEROUS LETTERS TO THE COMPANY ASKING TO RECEIVE DOCUMENTS SHOWING MY SIGNATURE AND AUTHORIZATION OF TAKING OUT A LOAN WITH THEIR COMPANY AND THEY HAVE CONTINUED TO NOT ACKNOWLEDGE MY LETTERS. THIS COMPANY IS REFUSING TO SUPPLY ME WITH DOCUMENTATION OF THE DEBT BECAUSE THEY DO NOT HAVE DOCUMENTATION TO PROVE THE DEBT IS VALID. THIS IS NOT THE FIRST ATTEMPT I HAVE MADE TO TRY AND RESOLVE THIS MATTER WITH CREDIT DISPUTES. I HAVE INFORMED THEM TO STOP ALL CALLS AND COLLECTIONS ATTEMPTS AND TO CEASE AND DESIST AND THEY CONTINUE TO VIOLATE MY RIGHTS AS A CONSUMER. THIS COMPANY HAS NUMEROUS VIOLATIONS OF FCRA, FAIR DEBT COLLECTION PRACTIVES, AND TCPA. I AM REQUESTING THAT THE CFPB INVESTIGATE THEM AND THEIR PRACTICES.
I closed my credit card several years ago. However, the accoiunt was sold to another servicing company. As my account has been closed, and I have been paying if off - the interest rate has n't changed. So, naturally, my account balance and payments have decreased throughout this time. But, my recent credit card statement arriaved  two ( 2 ) weeks ago and I noticed that the monthly payment has  increased by a few dollars.     I spoke with  the servicing company regardin g t this. I was informed that even though the account is closed, they did increase the rate as it is " considered '' and active acount while I 'm paying it off. I informed them that I felt this was n't right, and that I was filing a comoplaint.     I find this tolally unfair and unacceptable. I 'm working to pay off this bill. If the serivicing company keeps increasing the interest rate, they 're increasing my balance. How am I to be able to payoff this account with this type of " business practice ''? How are people able to save any money while the credit card companies are being allowed to do this?