WillisBack/dataset-financial-user-claim huggingface dataset:
I had identity theft. It was over XXXX worth on XXXX cards. From the XXXX data breech. I am in my XXXX and always had a perfect credit score. Over XXXX. Well. The creditor which was XXXX XXXX and XXXX XXXX both agreed it was fraud. Along with all XXXX credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.
XX/XX/2018 I obtained a pre approval for a conventional mortgage on a new build home in XXXX WV. The pre approval was obtained at behest of the realtor who unbeknown to me was NOT licensed for real estate in West Virginia at the time. When I first called the Realtor her website and she stated she was licensed in Virginia and West Virginia. She referred me to McClean Mortgage to obtain a pre- approval. She did not at the time disclose that they shared office space and financial affiliation with this lender and lender representative by Name of XXXX XXXX. The weekend of XX/XX/2018 I met the realtor at a new home build that I requested to see. The realtor was XXXX XXXX. Ms. XXXX arrived with a gentleman she introduced as her husband. We met with Builders representative and went over details of home and build information. The Next day we again met with builders representative and when I was asked about financing the Realtors husband XXXX XXXX interrupted me as I was beginning to answer the question and informed the builders representative that I had already gotten approval for financing through another company. As this was first time I was building a home I was taken aback and was not sure how to respond. I felt a little railroaded. They would not allow me to speak with another lender and threw paperwork in front of me to sign immediately using their lender. Again this was happening very fast and I was taken off guard. I then spoke with the Lender Rep XXXX XXXX of McClean Mortgage and was I feel I was bullied into a RATE LOCK. It was not explained well and I made multiple attempts by phone and email to get more explanation but was told I had to send check for XXXX immediately to the realtor by certified mail the next day. I did this and then was told that 60 days that rate would be locked. This was last communication I had with the Lender McClean Mortgage and XXXX XXXX until XX/XX/2018 when I continued to complain by email as to when rate would be looked at and locked and received no answers. Again heard nothing until the builders representative and myself both attempted to reach the lender, XXXX at the end of XXXX and after multiple conversations found that the rate lock was never done and lender took my money and never monitored the rates as they are supposed to do. They then wanted additional money to extend the rate lock but the builders representative spoke to them and they backed off of that. Also We then got the loan disclosure statement which the numbers were way off many numerical mistakes were made and the transfer taxes were not listed either. She acknowledged the mistakes and tried to fix them but by now I was very uncomfortable with the lack of communication and mistakes made. The stress it caused was immense and not necessary. They could not even get right numbers on disclosure statements. I could no longer trust them so I went with a different lender. Emails and financial forms and text messages attached.
Went to lendingtree.com and checked on auto refinance rates. Provided our name, address and phone number and current auto loan interest rate and amount currently owed. Then the next day MANY companies pulled our CREDIT Reports. 
We DID NOT Apply for Any Loans with any company. We DID NOT Authorize unknown companies ( never heard of them before ) to pull our CREDIT Reports. 
This is a SCAM that has hurt our credit and we DID NOTHING Wrong and did NOT apply for any loans with anyone. We have contacted the credit bureaus ( XXXX, XXXX and XXXX ) but they give us excuses and are all hesitant to start disputes for these unauthorized credit inquiries. Our credit score is lower now due to all these Unauthorized Credit inquiries. This is VERY SERIOUS. Someone needs to Help and not allow companies like Lendingtree.com to allow lenders they associate with to be able to pull credit reports without AUTHORIZATION. If we DO NOT apply for a loan then our credit information is PRIVATE and any fly by night company should not be allowed to pull credit reports. Each time a credit report is pulled we loose XXXX points on our credit scores. So if Lendingtree gives out information to say XXXX companies and they all pulled our credit scores then we would loose XXXX points on our credit scores each. This is horrendous since it takes forever to improve a credit score.
This matter must be resolved, after providing Equifax with proof my FATHER past away and to not merge my information with his and providing my ID 's and his death certificate I receive a notice they added the death certificate to my file. There are his accounts listed on my credit file, accounts that are in my wifes name only listed on my credit file. Accounts that are business debts only on my personal credit file etc. Please help assist me as I am not getting anywhere.
West Asset Management has continued to call my place of employment. I have requested them not to call me at work but, they continue to call.
I have several ongoing issues with Chase Bank ( JP Morgan Chase ). 
1. Since the bank has account maintenance fees and fails to honor the types of deposits made into my account. I was forced to close my savings account. I do not have a credit card linked to the account either. I do not have any type of overdraft account. Therefore, I opted out of automatic withdrawals when the account has insufficient funds to complete transactions. Yet, they still proceed to withdrawal funds from an account that does not have sufficient funds nor overdraft accounts to cover an item and the charge non-sufficient funds fees. 
2. I have XXXX types of direct deposits as XXXX XXXX banking customer which deposit more than the required amount per month to avoid monthly account maintenance fees. 
a. The first is a weekly transfer from XXXX. I have XXXX clients who pays me strictly via XXXX and refuse to establish a direct deposit with banking institutions because they are not willing to pay astronomical fees to the banks. 
b. The second deposit made twice per month on average comes from a client who pays via Chase Banks ( JP Morgan Chase ) in-house Quick Collect system. 
I have addressed these concern with bank officials ( whom I met with inside the branch and spoken with over the phone ), on many occasions. They refuse to come up with a permanent solution to this issue. 
I feel they are determined to discriminate against those of us who are XXXX XXXX, women, XXXX XXXX owners, senior citizens, XXXX, lower economic class, and poverty level customers by taking advantage of the socially disadvantage/underserved population. We need local banking institutions as well. But they make a considerable amount of fees because they constantly penalize us for being in those categories. 
Also, I use to get a free bank check every month. In XXXX, they no longer offer that service. Seems like they 're retaliating because I have been vocal about discriminatory banking practices. The officials at JP Morgan Chase have told me that I can take my business to other banks if I do not like their policies. I felt disregarded as a customer. They have a valid point. However, the only reason I continue banking with them is to accommodate my client. Because I appreciate the business that is given to me. It 's unfortunate the JP Morgan Chase devalues customers of lower social and economic levels.
XXXX, XXXX  and Equifax failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.
I was a long time Bank of America customer. I closed my account because they have no branches in my current state ( UT ). After having paid in full, I closed my accounts and moved. My now closed account was charged by an annual subscription to XXXX that I was unaware of. They accepted the charge to my closed account and I did n't pay because I had no further relationship with BoA. I went to apply for a home loan and was told this delinquent payment existed. I immediately paid it in full, however they have refused to remove either the charge or the delinquent statement from my credit. Their mistake will cost me thousands of dollars on my home loan and I do not know what to do. They have been absolutely unreasonable and though the individuals I have dealt with have been sympathetic it comes down to this : I can never full end my relationship with BoA. I now how to watch them for years to come ...
RE : Experian Reporting of XXXX XXXX XXXX XXXX XXXXThis letter is a formal complaint that Experian is reporting inaccurate credit information. 
I am very distressed that Experian have included the this information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either Experian or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a a personal line of credit to start a business, which was highly embarrassing and has negatively impacted my lifestyle. 

The attached letter was sent to Experian USPS Certified mail XXXX XXXX XXXX XXXX XXXX
I previously requested a letter from XXXX XXXX XXXX  regarding the incorrect reporting of a mortgage which they claim was delinquent ( 60 days late ). The letter provided was insufficient and lacked any details. These errors were reported to all 3 credit bureaus and negatively impacted my credit scores. The credit order # from my lender is XXXX, which reported my loan as delinquent ( 60 days late ), which pertains to a recent refinance through XXXX XXXX XXXX.
On XXXX, I initiated a {$900.00} online bill pay transaction with my bank, Ally Financial Inc., to be received by XXXX XXXX XXXX XXXX for a loan installment on XXXX. On XXXX, {$900.00} was debited from my account and I thought everything was cared for. On XXXX and XXXX, I received emailed correspondence from XXXX XXXX XXXX advising that payment had not been rendered. Upon checking email on XXXX, I immediately contacted Ally. Initially, I was told that someone other than XXXX XXXX XXXX may have intercepted the check and cashed it. Further conversation yielded that the check had not been cashed, but rather the payment was mailed on XXXX and it takes 7 to 10 business days for the payment to be received by the payee. When pressed on why the payment was mailed on XXXX, the representative corrected her statement and shared that the payment was mailed on XXXX. I requested to speak with a supervisor to share my dissatisfaction and received yet another explanation of the events. 

Since no payment has been rendered, XXXX XXXX XXXX has levied a {$25.00} late fee on my account. To quickly rectify the situation, I requested that funds be wired from my Ally account to XXXX XXXX XXXX. I was informed that it would take 3 business days for the {$900.00} that was debited from my account on XXXX to be returned. I then inquired as to why it takes 3 business days to return funds from a check that was never cashed back into my account and was told " That 's just how long it takes us to process this. '' This is completely unacceptable and I demand satisfaction ; the bank should not be allowed to arbitrarily hold my money.
TransUnion is reporting that I have two outstanding loan balances through XXXX  XXXX XXXX-XXXX  as of XX/XX/XXXX. The accounts were closed as of XX/XX/XXXX. I have submitted two disputes ( once in XX/XX/XXXX and again in XX/XX/XXXX ) with information documenting both showing {$0.00} balance and both disputes have been denied. 

I submitted my Loan Summary/Mortgage Verification letter ( the only letter XXXX was able to give me ) and my StudentDataDocument from the National Student Loan Data System - both showing I have a XXXX balance for all my student loan accounts. 

TransUnion has denied both my disputes saying the information being reported is correct. They have documentation showing XXXX " reported '' balances on my account on XX/XX/XXXX. Upon contacting the creditor, XXXX, they are showing they have not reported anything to TransUnion since XX/XX/XXXX. 

When I call TransUnion they say that XXXX is still reporting ( on XX/XX/XXXX ) that they balances are correct. I have submitted all the documentation that I have showing the accounts are paid off. I don't know if TransUnion is wrong or XXXX is wrong but the information being reported on my TransUnion credit report is incorrect. The balances have been paid off ( on XX/XX/XXXX ) and should be removed from my credit report. 

I called TransUnion and XXXX multiple times to get this resolved and they were unable to handle my request. I think it is ridiculous that CRA 's and creditors are able to report incorrect information about me and yet are unable to give me a straight answer via a simple phone call. These are billion dollar organizations and I am having to solve these issues from my kitchen table. These organizations should be held to a higher standard when it comes to servicing the people they are profiting from.
There is a purchase of {$230.00} : here is a copy of transaction from Capital One card : *   XXXX     XXXX  Transaction Date Friday,   XX/XX/XXXX     * Posted Date Monday,   XX/XX/XXXX     Details Grocery Appears on your statement as :  XXXX   XXXX   XXXX  FL  XXXX   XXXX  I did not made that purchase whatever it was. I did not go to   XXXX   on that day. The charge is large and it is not mine.  <P/> I called Capital One and they did very superficial investigation and told me that it is hard to say what charge that it and did not remove that {$230.00} amount. That is a very large amount and I would remember if I bought anything but I did n't. I want that amount removed because the charge doe snot belong to me. The only thing Capital One did is they replaced the card but the charge is still there and it caused me a great deal of emotional distress.
I was dealing with an HVAC and they told me that they could offer me 0 % financing for 36 months through Wells Fargo. I thought the financing would be an installment loan. I gave my info directly to their office and they applied for the credit on my behalf so I did not see the application until they came to install the HVAC. A couple of weeks after I was told I was approved I received a credit card in the mail and my credit score dropped by over XXXX points because it was processed as a credit card not an installment loan. Worse I have to pay back the card in equal installments for 36 months instead of as a traditional credit card.
I have held a credit card with US Bank since approximately 2004. When I opened the account, it was a XXXX XXXX rewards card. When XXXX XXXX became XXXX XXXX, my card became a " XXXX '' card. This card has an annual fee of {$45.00}. I want to convert the card into some US Bank card that does not have an annual fee. US Bank phone customer first told me I would have to go into a branch- the closest is 1.5 hours from where I live. I called the branch, they looked into it and told me there is no way to convert this card to something without an annual fee. I have to either pay the fee every year for benefits that I do n't use- or close the account. I do not want to close the account because it having been open and in good standing for 12 years reflects well on my credit history. I feel like my credit score being held hostage by US Bank, either pay or suffer! I have assured them that if I close the account, I will not be opening a new XXXX with their bank, but would like to work together to remain their customer. Their only answer is that I can spend at least $ XXXX to earn enough rewards to redeem them for the annual fee, but this is also them forcing me to adhere to their terms. All I want is a US Bank credit card on the same line of credit with no annual fee.
be for l got the loan the was 9.9 % l XXXX what is the interest, there said 9.9 %, l later found out that the interest 119.9099 % if l had know l would not get it l try to pay this off l have paid all but {$1400.00}, now this titleMAX OF XXXX XXXX say my account balance $ XXXXXXXXand look at my loan agreement l was not told that the finance charge is {$3.00} the loan was for {$300000.00} NO told me, TITLE MAX sent a tow truck to try to reposs my truck and have people sat at my house in the day time and night to try to reposs my pickup truck, and refuse to give my title back l have paid over {$450000.00} back but title Max did not tell me the true about the loan, l feel that have paid the loan back,
MAIN PROBLEM WITH EQUIFAX IS REPORTING ACCOUNT ON DISPUTE WHEN IT HAS BEEN PAID AND SHOWS BALANCE DUE AND PAST DUE AMOUNT WHEN THAT 'S INCORRECT SINCE THEY HAVE BEEN PAID. On XXXX XXXX, 2016, I had contacted Equifax at XXXX and spoke with " XXXX '' at Customer Service, regarding disputes that appeared in my credit report. I requested to remove all comments due to my application for a mortgage loan. She informed me that this would take XXXX48 hours to be removed. This phone call was recorded by Equifax, as I was informed by XXXX. On XXXX XXXX, 2016, XXXX ( the Company used by my mortgage processing company ), informed me THAT THE COMMENTS/DISPUTES THE DISPUTES ARE STILL SHOWING ON MY CREDIT REPORT. That same XXXX XXXX, 2016, at XXXX XXXX, I contacted Equifax -again -- regarding this matter, and was told by the Customer Service Representative, XXXX ( told me was her name ) that are were nNO DISPUTES.COMMENTS SHOWING. However, this is not true ( included is a copy of the report ). As established by the Fair Credit Reporting Act ( FCRA ), my rights have been violated by Equifax in their reporting practice. This irresponsible manner to conduct the business of such a powerful Organization ( let 's remember that what the Credit Bureaus report dictate whether or not a person gets approved for a mortgage loan ), can cost me the opportunity of buying a house ; a house that I have been looking for months and that now due to this matter I might loose. Therefore, I respectfully want to submit a complaint regarding Equifax irresponsible credit reporting and violation of the FCRA. 
XXXX XXXX XXXX
I was in Chapter XXXX and 4 or so months before finished XXXX XXXX sold my loan to Select Portfolio Servicing. Now Select isn't taking my last two months payments and say I am behind about 22 payments ( {$80000.00} ) and need to pay that before they will accept payments and stop foreclosure! I haven't miss a payment in 5 years and have copies of cleared checks.
I have contacted experian, but they refuse to help me. I have a XXXX home loan on my credit that belongs to a family member. That same family members personal information ( name, address ) is also listed on my credit report, as well as their paid off car loan, and some past due bills. This is something that is stopping me from bettering my credit, and buying my own home. I do n't understand how it is legal for experian to put incorrect information on someone 's credit report and on top of that refuse to fix the situation! And something as big as a home loan should be taken extremely seriously when it 's placed on the wrong person credit, but experian does n't not care, they think that the name is close enough so they put it on your credit, or the social security number is ALMOST correct so they put it on the person 's credit. This is ridiculous and should be unacceptable! I want it fixed!
We were served with a law suit from fred j hanna law firm and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe.
I opened an account with American Express in XX/XX/XXXX. It was agreed that I would receive an available balance of {$5000.00} and I would repay at least the minimum payment on time. I did not activate this card until the spring of XX/XX/XXXX. I registered online and everything was fine. I began using the card in XX/XX/XXXX. My wife 's brother was XXXX XXXX and we went to Alabama to see him one more time. We had spent close to {$2000.00} and I went online after we returned to make sure we did n't exceed 33 % of available balance so we did n't affect our credit. We had n't so I made a payment of {$100.00} which was much more than the minimum payment. We are going to Oregon in XXXX and were going to use the card for that trip. I logged into my account to check the balance and to my surprise American Express had lowered my available balance from {$5000.00} to {$2000.00}. Because of their actions my credit will take a hit next reporting period and I do n't have the available funds for our trip. I have done nothing to cause this to happen. I 've never been late on a payment, matter of fact there 's only been one payment due and I payed more than what was due! I thought an agreement was an agreement. Binding on both parties not just one. I want American Express to restore my available balance back to the  agreed to amount. What they have done is at least incredibly poor business practice if not illegal.
I called to clear a judgement in Magistrate court. They asked for the file # and I told them there were two file # s, and I gave them both #. They claimed not to have found those numbers and asked that I give them my SS #, which I did. I told them that it was for Midland Funding and it was a filed judgement against me in XXXX County Magistrate court. I have the names of the people I spoke to at XXXX, XXXX, XXXX on XX/XX/XXXX. I made a settlement of {$1700.00} on a {$3000.00} XXXX appx ) debt and the check cleared the bank on XX/XX/31. The very next week when I tried to get a letter stating that the judgement was final, they told me it was applied to another account. I asked for proof that was my acct they applied it to and they said they would ask the creditor to send me proof and I would probably get it within ten days. I can not get this cleared off my records, and I would like to know what legal ramifications there are for this type of scamming. Thanks
Hi, This is to complain an unfair treatment I received from Citibank. 

On XX/XX/XXXX, I received a US mail from Citibank with attached checks, encouraging me to make a balance transfer. On the same day I made a transfer of {$10000.00}. 

I regretted this transfer later because the interest rate is 5.99 % and I paid a {$400.00} transfer fee. Therefore I want to check with Citibank if I can get the {$400.00} transfer fee refunded. 

On XX/XX/XXXX, XXXX XXXX, I called Citibank. On a recorded line a service rep named " XXXX '' told me the transfer fee can be refunded, but I need to pay off the balance in the statement first On XX/XX/XXXX, I paid off the balance On XX/XX/XXXX, XXXX XXXX, I call Citibank again, and a service rep " XXXX '' told me the balance transfer fee is not refundable. 

Attached please find the statements of the credit card. 

I feel I am not treated ethically by Citibank. The {$400.00} transfer is simply not fair to me. As a customer Citibank does not have right to charge me {$400.00} if I borrowed {$10000.00} and return it back within 20 days. This is another trick by a mega-bank do to a regular customer like me. 

Therefore I need your help to get this straighten out. 

Thank you for your help! 

XXXX XXXX XXXX XXXX XXXX XXXX