WillisBack/dataset-financial-user-claim huggingface dataset:
I have applied for personal loan in the amount of {$10000.00} with XXXX XXXX company in order to pay my medical bills not covered by insurance and other expenses ( I need to help my elderly parents, car repair, home improvement ). I provided all requested information. My application was declined. 

Based on the advertisement of their product, my credit history, my financial standing and amount of loan to my income ratio, my application should have been approved : - I am a salaried professional with steady income, working for over 20 years in the industry - I have a good credit history with some of the FICO scores like XXXX, XXXX, XXXX, XXXX with average XXXX at the time of the application ) which is higher than national median and higher than the score Earnest advertised as acceptable - I don't have any credit card debt ( practically XXXX ) I don't carry balances over and typically balance is almost XXXX - I have 18 years old credit history with only one installment loan paid on time, I have a record of paying off the mortgage - I don't have bankruptcy on file, never filed for bankruptcy in the past The amount of loan to income ratio was very low - less than 10 % ( I also have all benefits including medical insurance, vacation, life insurance ) - I have assets : a ). a saving account ( in the amount substantially covering the amount of loan requested ). 
b ). I own a car with no lien on it This proves my ability to save and provides liquid funds for emergency - I have lived at the current address for over 6 years - I have a good driving record - I am young enough to make all installment payments and pay the loan off But my application was declined, therefore I have concluded that I was profiled by the criteria that has nothing to do with financial risk and would like to complain to CFPB about this lending discrimination on behalf of Earnest apparently based on my social status or ethnic/religious group that I belong to and I want CFPB to investigate the fact that these very criteria was used by Earnest to decline my application
I  XXXX   XXXX  file this complaint against  XXXX   XXXX   XXXX  as I have tried on several occasions to amend a wrongful credit reporting process that is 100 % untruthful. My student loans were in deferment until  XXXX   XXXX . At no time was I in a payment plan until  XXXX . However,  XXXX  reports my payment history as follows during deferment :  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  60 DAYS LATE NEVER A 30 DAY LATE  XXXX   XXXX  90 DAYS LATE  XXXX   XXXX   XXXX  120 DAYS LATE These late payments are highly destructive to my credit reports, even though my payment history has been perfect since I took the loan out of deferment.  XXXX   XXXX   XXXX  has to clean up these wrongful credit reports, and remove all past payment history up to  XXXX   XXXX .   This is a national problem collection agencies have with privatized student loan reporting, and the CFPB should support the recent investigations by the Federal Trade Commission to take sanctions and levy fines for Fair Debt Collection Practices Act and Fair Credit Reporting Act violations against companies such as  XXXX   XXXX   XXXX .
PanAM collection contacted me first by calling my cell phone and left a voicemail. Called them back to find out who they were and why they were calling me, told me they were collecting a debt on a medical bill. They continued to call repeated times. The bill was paid in full with the medical group, documentation was send to PanAM collection company showing the bill was paid for the full amount listed on the bill! When the called a few weeks ago they were told the receipt was mailed out and XXXX proceeded to use profanity towards me.
today I received another phone call from XXXX first on my cell phone then to my house phone, my wife answered the phone and told him the bill was paid in full and he is requesting more money be paid.
There 's way too many unauthorized hard inquires on my credit report. Only a hand full of those inquires are actually done by me.
I paid off the balance on my Bank of America credit card on XX/XX/XXXX. On XX/XX/XXXX the auto payment amount of {$100.00} that I had set up was deducted from my bank account. I called Bank of America onXX/XX/XXXX regarding the {$100.00} credit on my account because the auto payment amount was still taken from my account. They reversed the payment on XX/XX/XXXX and I turned off auto pay to prevent the {$100.00} from pulling from my bank account again. On XX/XX/XXXX I was charged {$8.00} in interest. Since my account had a {$0.00} balance since XX/XX/XXXX and a credit for a period of time, I did not check my account the following month. As a result, my account is showing past due and I was charged a late fee. I called Bank of America regarding this and she said that I have to have a {$0.00} balance on my account for 2 months for them to not charge me interest. They will not reverse the late charge and the interest they charged even though the account balance was {$0.00} or was a credit balance during the month.
Equifax states company has provided documentation of verification of debt. However i have proof the debt owed is XXXX balance through original creditor. Neither XXXX collection co or Equifax has provided me with verification of debt. Collection accounts have not only remained in my credit report inaccurately, but now previously removed collections from XXXX have reposted to my credit file.
I previously submitted disputes with Experian Credit Bureau because they were reporting my mortgage with XXXX XXXX, XXXX as being closed with a {$0.00} balance. My mortgage was opened in XXXX with a variable 30 year rate. I currently make monthly payments of {$570.00}. In XXXX XXXX Experian updated my account, however they made matters worst by changing the account type from mortgage to personal loan. My efforts to correct the new inaccuracy have been unsuccessful. In XXXX XXXX my Bankruptcy was discharged and I hoped that all information would be correctly reported to all XXXX credit bureaus since I verified that XXXX XXXX was notified by the courts. To my surprise, nothing changed. I spoke to XXXX at Experian on XXXX/XXXX/XXXX, she was unable to help me and stated that no supervisors were available. I am desperately attempting to improve my credit and resume a comfortable life. I can not do that if vital information is n't being factored into my FICO score. Good credit is a necessity in life and I 'm being robbed of that opportunity because of the sloppy, inaccurate reporting of Experian. I am only asking that they be forced to do their job. Thank you.
XX/XX/XXXX ( ca n't remember exact date ) I called XXXX for the 6th time this month to report that fraudulent activity was going on with my account. Somehow I kept getting inquires added to my account that I was not authorizing. I thought that maybe this could have been from the data breach that was going on. I have XXXX inquires that I did not authorize. After being on hold and hung up on numerous times I finally got one of the rudest people ever. I informed the rep that I had already reached out to most of the creditors and that all they told me was they would dispute but it would be best to call the credit bureaus to have them delete the inquires since it was affecting my credit score and because I did not authorize. The rep basically told me I was liar, made me feel XXXX, belittled me, and would not transfer me to a different rep or management. He wouldnt even give me his name to make a complaint on him. I informed him all I wanted was all inquires deleted off my account because I NEVER made any of them and that my score drastically decreased because of it. I had never felt so belittled in my life. After listening to this rep make me feel like a complete XXXX and that I was doing something wrong I ask to speak to a manager this rep  actually told me he refused to transfer me because I was a liar and no one could do anything for me. I never in my life felt the way this rep made me feel and it made me hate XXXX for it. All I wanted was some unauthorized inquires deleted. That 's it!!
XX/XX/XXXX- XX/XX/XXXX I have notified original creditors and collection agencies regarding my Identity Theft and have not been able to get items blocked or requested validation of debt from original creditors as something with my signature ; all companies involved was provided with my Driver 's license and Social Security Card which they updated the information to my current address and said the account was valid even though I supplied a police report and Identity Theft report. 

XX/XX/XXXX -Experian refused to block the Identified accounts on several request and in stead placed a statement ( Account Information disputed by consumer ( Meets requirement of Fair Credit Reporting ACT ) with no deletion or verification from the company as requested even though the accounts are from the Identity Theft ; Experian did not investigate nor request documents from the creditor only says its valid.
XXXX XXXX filed a lawsuit to collect on a charged off credit card. To avoid a judgement, I called Midland on XXXX/XXXX/XXXX and agreed to settle the debt out of court for {$550.00}. {$300.00} was to be paid immediately and the remaining balance of {$250.00} was to be paid within 30 days ( XXXX/XXXX/XXXX ). I was told I would be sent a document to sign and return ( which I still have not received ) and upon making the last payment, I would be sent a letter staying the account had been paid in full. I made the first payment on XXXX after verifying on their website that the amount due reflected the agreed settlement amount, then made the final payment of {$250.00} on XXXX XXXX, XXXX. At that time the account balance was correct and should have showed a {$0.00} balance once the payment cleared. I checked the account on XXXX to ensure the payment had posted and found that they were then showing a balance of {$130.00}. I thought it may be a glitch so I waited another day and checked the account again only to find they were now claiming I owe a balance of {$230.00}. In addition to adding additional charges to my balance, they also made changes to how my payments had posted. Where there had only been the 2 amounts ( {$300.00} and {$250.00} ), the payments had been split up into smaller amounts and 2 additional amounts had been added showing a posted date of XXXX/XXXX/XXXX, which was not on there previously ( I have screenshots to verify this ). I have filed a dispute with midland but have not heard anything at all from them. The hearing for the suit was rescheduled to sometime in XXXX, and this needs to be corrected before that time. I do have a screenshot of the payment confirmation page from when I made the final payment stating that the payment was succesful and even says at the top it was for the balance in full ( though it does not show the actual amount paid, I do have proof of the amount I paid that day )
I have not received communication from the account servicer, Navient, about the change in interest from this loan. 
I have noticed that every month, they have been raising the payment due for the loan without providing a notice that such a change has ocurred. 
I want them to be transparent about how they handle the payments and why that required payment keeps going up in just a matter of months. 
I assume that the interest rate of this loan is not supposed to go up this quickly. 
The rate just months ago was 8 % and suddenly without proper notice, it has been increased to 9 %
Ocwen has not followed the CFPB rules regarding setting a sale date of my home while my modification application was under review. Ocwen claims that XXXX streamline modification offers were sent to me, XXXX XXXX/XXXX/XXXX and the XXXX on XXXX/XXXX/XXXX, offers I did not received. However, I did receive a denial letter for XXXX of the streamline modification offers on XXXX/XXXX/XXXX, it took Ocwen six months to send a denial letter in response of the second modification offer, I did not received any denial for the first offer. ( Please see attachment XXXX, a letter that discusses XXXX different issues, please read the second part of the letter ) At the same time, a sale date for my home was scheduled for XXXX XXXX, XXXX. I filed bankruptcy on XXXX XXXX, XXXX and somehow, the sale date was canceled. 
Ocwen never sent these XXXX offers, anyone can see the discrepancy that there is between the XXXX of them : First, the time between the XXXX offers, the XXXX offered on XXXX/XXXX/XXXX with scheduled trial payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with a non-approval note on XXXX/XXXX/XXXX. The first trial payment scheduled less than a month after the offer was made. The second offer sent on XXXX/XXXX/XXXX with scheduled trial payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with a non-approval on XXXX/XXXX/XXXX. There is no way, that streamline offers were send so close to each other. Then the amounts on the first offer {$800.00} and on the second {$1200.00} the difference of {$420.00} is quite high. At that time they did not know anything about my income, even if I did the trial payments there was no way that I was going to be approved for permanent modification. 
In addition, I can prove that the XXXX modification offers were never send to me : First, on XX/XX/XXXX I sent a complete modification application package with the help of my attorney XXXX XXXX XXXX, why I will be sending complete modification packages on the same month that a trial payment was offered to me? Second, I have received mail belonging to another homeowners since Ocwen bought my loan, most recently ( please see attachment XXXX ). When I called Ocwen to let them know, the representative who answered the phone stated that " was a computer mistake ''. 
Also, Ocwen keeps reporting that my home is empty, even that I have proven occupancy, many times. Inspectors have been ordered to go to my home and change locks, I have talked to them and they promised to inform Ocwen, but still they force an insurance on me, canceling the hazard insurance that I had in place.
For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across XXXX Equifax , that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all three did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all three not complying.
I am requesting that CFPB investigate the lending of credit practices ofCredit Acceptance Corporation. The vehicle loan product presented tome was done in very deceptive manner. I advised their representativethat the due date of the payment of my loan did not coincide with mypay date. I was advised not to worry because I was given a grace periodper the coupon book. I am constantly being harassed byCredit Acceptance if I do not get the payment in by the XXXX of the monthI have attached the coupon book and correspondence that I received onXX/XX/2015 stating the intent to repossess. Their practices are verydeceptive because the coupon book says by XX/XX/XXXX a late fee will beassessed and I was given the same information by the representativewho sold me the product but instead I receive an intent to repossess letter that isdated XXXX/XXXX/2015. The XX/XX/XXXX payment was made XXXX/XXXX/2015. I have filed a complaint before but now I want the corporation and it 's practices to be investigated. Please note : I have never been 30 days late on mypayment. I am a customer in good standing.
I disputed the XXXX several times with Experian and they have failed to provide me with information showing that this account belongs to me nothing bearing a signature.
This is a fraudulent account. Ive never signed up for anything with XXXX XXXX or XXXX XXXX. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with ABILITY RECOVERY SERVICES , LLC, several times to no avail. ABILITY RECOVERY SERVICES , LLC, refuses to provide me with the documentation Ive demanded them to provide me with, ABILITY RECOVERY SERVICES , LLC, refuses to remove this account out of my name and off my credit report.
XXXX XXXX has called 12 to 15 times a day when I have informed them of a hardship and scheduled a payment
I am filing this complaint because Equifax, XXXX, and XXXX, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. Thank you
I keep getting phone calls from phone number : XXXX. They call constantly. I had XXXX calls from them in 4 days. It 's an automated/computer call. They have been calling for a few months now. I did try to call them back 1 time and it went to voicemail. To my knowledge I do n't owe any money that would be under debt collection. I tried to research the company ( XXXX XXXX, or XXXX XXXX, not sure of spelling ) and all I find are reports of scams connected with the phone number.
I was told that I had 0 % interest charge. I was not informed or warned about the deferred interest charge.
The collection agency CAINE & WEINER are not license to collect in the state of FLORIDA. The address listed on my credit report is NON EXISTENT. It belongs to a self storage unit. Both FLORIDA licenses from CAINE & WEINER have EXPIRED meaning they CAN NOT collect in the state of FLORIDA. I have disputed the account multiple times with no results and the account keeps getting updated.
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under 1st Financial Investment Fund. I requested a validation on XX/XX/2018 as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was still on my credit profile and did not reflect a disputed status. Therefore on XX/XX/2018 I sent a direct dispute to XXXX requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
I was offered a promotional credit of {$250.00} by M & T Bank for opening a new checking account in  XXXX ,    2017.  I believe I received this offer by direct mail, but I have since destroyed the solicitation assuming the credit would be granted in good faith.   After several conversations with M & T Bank I am confident they are aware of the promotion and it was not a third party scam.     I opened this account and met all criteria ( that I am aware of ) to receive the promotional credit. Conditions involved qualifying direct deposits within a certain period, etc.   I am also aware that the account will need to be open at least 180 days from setup date in order to avoid penalty if the promotional credit is given.     The account was opened  XXXX   XXXX ,   2017.
Qualifying direct deposits were made to meet offer criteria.
I phoned customer service after qualifyin  g direct deposit to inquire about timing of the promotional credit. I was told by an agent that the credit could take up to 90 da  ys ( 3 statement cycles ) to process.
After 90 days ( late  XX/XX/XXXX ) I once again called M & T to   inquire about the promotional credit. It was during this phone call I was told by the agent that because at time of account setup ( online ) I did not enter a corresponding promotional code that I would not be entitled to the promotional credit benefit.     I asked the phone agent to escalate this issue and he had stated that the issue could only be remedied at a bank branch.     I immediately traveled to a nearby branch where I was met by a service agent who confirmed my account, took my information and told me that she was unable to correct this issue, but could initiate a complaint.     I believe that M & T Bank could have easily ( at time of prior inquiry ) told me of the issue so I could take steps to remedy because I had specifically contacted them to inquire on status of the promotional credit.   Whether willingly or not, I believe M & T Bank is withholding these funds as promised in their promotional materials. At the very least, M & T has misrepresented this offer or have purposely made it difficult for consumers to receive this credit as advertised.
I have written 4 times along with police report and proof of ID Drivers License and State ID and My passport proving I was out of the country for 3 yrs. I have a few Incorrect address on my reports. and all was due to Fraud. also they credit reporting agency has refused to remove. they also has refused to remove over XXXX inquires in one year! in the same month. It 's fraud. I also wrote the companies who made the inquire and they have refused to respond. even with the police report. 

The addresses is XXXX Il XXXX And XXXX Il XXXX Its even more on my other Reports. 
And the inquires as follow 1. XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX 10.XXXX 11.XXXX 12.XXXX 13. XXXX 14.XXXX 15. XXXX 16.XXXX 17.XXXX These Inquires was made all in one month, I contacted each company and credit burials also gave them copies of all my ID 's and they still refused to help Transunion, XXXX and XXXX. all let me down.
XXXX XXXX  reflects the Human Resource debit is paid off, and I quote from their web page, " You've paid off 100 % of the original amount '' ... but also XXXX XXXX continues to tell me about once a month via email that the debt is effecting my credit score. 

The debit concern is with The XXXX County XXXX Department of Human Resources which wrote this debit off to my local district court for garnishment of which they are collecting biweekly from my payroll which I can provide digital proof of. 
Also the debit owed that they are reporting to XXXX and Equifax is not the correct amount anyway nor is it in arrears or bad standing. So I am requesting that XXXX and Equifax remove this discreprency immediately!!!
I recently checked my credit report after not checking it for years and I noticed som e medical collections  that are inaccurate. Not only did I not receive any notices in the mail from the hospital or the collection agency, I believe these medical debts are a mistake. I made nor signed any contract with  XXXX   XXXX   XXXX . I kindly ask that these collections be removed from my credit report because they cant be mine. They are as follows ;  XXXX  Certified Bureau Of The So Col Original Credit or-    XXXX   XXXX   XXXX   XXXX   XXXX   Opened Date-   XXXX   XXXX ,  2013    Balance- {$230.00}  XXXX - CB  South Original  Creditor-  XXXX   XXXX   XXXX   XXXX  Opened Date-  XXXX   XXXX   ,   2013 Ba lance- {$230.00}