WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by my current mortgage company to offer me a refinance of my loan on XX/XX/2016. The new interest rate was going to save me over {$70000.00} the term of the loan. So, I agreed I was sent the proposal the same day. We sign the electronic docs and sent over the additional info the following business day. XX/XX/XXXX I was asked to sign an additional doc which we did. Meanwhile I keep asking about my current mortgage payment. I stressed that I was concerned I did n't want to be late on my payment because I take my credit seriously. I was told several times do n't worry about it, that I would need that money to use for my closing on my refinance. On XX/XX/XXXX I received an email from the loan processor that my loan had been approved. On XX/XX/XXXX I received the electronic discloses and contract. I signed and returned on XX/XX/XXXX. I was then told that I could sign the documents with a notary on XX/XX/XXXX. I was told that the notary would contact me, which I had to call the loan processor several times that Monday and Tuesday stating that the notary had not contacted me so finally Weds. the day of the signing the notary contacted me and confirmed are appt. at XXXX. I waited until XXXX when she finally showed up to me home. I signed the paperwork and was told my paperwork was going out the next day. So I call on Friday day of funding was told buy the processor that my loan was going to fund at XXXX California time. Processor gave me my exact pay off to the penny. So, I said good please email me when its finished she said fine. Then I receive a call from the loan officer at XXXX eastern time stating my loan did n't fund due to the notary from the title company did n't send my paperwork in time. I was upset and asked why I was told that it was funding that day at XXXX. I was told I needed to make my old mortgage payment so it would n't hit my credit. I expressed that I did n't have an additional {$1700.00} due to I had already gave them {$1500.00} two days prior. I could n't stop payment on a cashier check and my bank was closed. It was now XXXX eastern time when I spoke to the manager of the loan processing department he stated Monday he would resolve this matter and funding would happen. I followed up today and was told that not only did my loan not fund, but was n't and I could n't get the offer until possible 6 months. XXXX top if off now this reported that Im 30 days delinquent on my credit. I expressed that I did everything I was told to due. So now Im penalized for someone dropping the ball. I do n't understand how an internal adjustment could n't have been done since I was refinancing through the same lender. Basically, I got the response of Im sorry. That is not right. How can the borrow suffer from the company errors and the title company that they use.
I 've been trying to pay down my student loans and the interest is keeps going up. I had these loans since 2007 and I did not realize when I signed the contract my private loan is adjustable. I was young and irresponsible and now I 'm paying the price on paying these back. I have XXXX student loans and my biggest concern is my private loan. The lender is through Navient and I tried talking to them and reasoning with them with a better monthly payment but they want me to pay about {$400.00} a month and I can not afford that. I 'm constantly getting harassed with numerous calls and emails and they added new fees and my interest on my loans are constantly going up. I work but I 'm not making as much and I have rent, a vehicle, I 'm paying unemployment back the money I used abusively to pay back my student loans, and I have to pay them back or I will be in prison and get charge a felony. I have a lot of debt and I did file bankruptcy this year but some of my debt could not be discharge. I 'm not sure who I can talk to about this and I ca n't afford to pay that much and I did not even get a degree. I had to stop going because I could not afford to keep going anymore and I only last 8 months and now I owe around XXXX. I wish I had an understanding on how everything worked before I signed the contract and got myself into these loans. When I signed, I still had to pay out of pocket to get get supplies and I did not have a car at the time and had to figure out how to get to school and etc. I 'm very XXXX and XXXX out and I now have an condition called XXXX and it 's effecting me and my job. I need assistance.
On XXXX XXXX I applied for a home-equity line of credit with Huntington bank. They did one hard inquiry on my XXXX score which was expected but the next day XXXX XXXX they did another one I asked the guy why and he said he had no idea why it pulled twice and was not helpful at all with trying to figure out why. then again XXXX XXXX they pulled it again without my permission and they did not tell me that they were going to do that. if I knew that they were going to pull my credit three times I wouldve never gotten the credit line in the first place. The loan officer from Huntington did not seem to care. I called XXXX and they said Huntington needed to send over some form stating that they didnt mean to pull it that many times I told Huntington about it and the loan officer said that he doesnt know what Im talking about and never had to do that before and that hard inquiries arent a big deal. This isnt right and I just want the 2 removed. Like I said one was expected but two additional ones without my permission is not right.
I opened this XXXX XXXX Synchrony Bank credit card back in XX/XX/2013  with only one authorized in store purchase. However, there has been fraud on my account and I attempted to close this account after the resolution. The bank, without authorization, opened my card up again and fraud continued. This has happened many times over the past years and the bank will not officially close my account.
XXXX and Equifax have the same debt listed under XXXX different collection agencies. XXXX Reports XXXX XXXX XXXX and Equifax reports XXXX.. Both are reported at {$10000.00}. The original debtor is XXXX XXXX XXXX. There is only XXXX DEBT, not XXXX. This mistake is lowering my credit score more than it should. XXXX or XXXX of these is wrong and should be corrected / removed. Furthermore, I have never heard from XXXX XXXX XXXX, and XXXX XXXX XXXX has not finalized the supposed debt, at times asking for a much lower amount to settle the claim.
I, have been getting notices from Dynamic Recorvery Solutions, LLC saying that I owe XXXX XXXX Dollars. Aparently when I have spoken to this company back in XX/XX/XXXX, This was a loan amount from XX/XX/XXXX. However, I never used XXXX for a loans. I have asked this company to stop contacting me on this matter, and I have spoken to XXXX. And was told by XXXX that this matter have been resolved. I spoke to XXXX Regional Offices.
Portfolio Recovery Associates called my XXXX about a " debt '' from 2003 of XXXX trying to get information like where I lived, my social security number, and where I work. They should not disclose personal information to other people about an XXXX year old debt especially.
Equifax has been non-compliant with removing the unverified account Bankruptcy Voluntary CH-XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that Bankruptcy Voluntary CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I require your assistance to have a check card, closed, given card account is currently held under my name, as a former employee of XXXX XXXX services in XXXX, USA. Further note as of XXXX/XXXX/2016 Money Network with an address in the state of XXXX, refuses to close this check card. It is possible that the intention of Money Network is to levy so-called " nominal fees '' on my person, said fees are a burden as I am unemployed. How hard can it be to close a check - card? 

The contact information for Money Network is as follows : Money Network XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX P:XXXX Concluding statements Finally, formal order to close this check card/account which holds an unnecessary balance of US {$0.00} borders on dead accounting. As such this account is needed, and once again must ethically be closed. Thanks for considering the preceding.
I was XXXX XXXX XXXX when I was listed as an occupant on the lease agreement. I wasent living there the whole lease term I would stop by a few times and I have spent the night so my aunt decides to move and they have a balance of 1 months rent on my credit and the credit agency is saying that since I was over XXXX at the time she moved out I am being held responsible for the debt! Now that Im trying to get my own place on my own
For My XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from XXXX, Equifax , and XXXX as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.
I have tried numerous times to have Transunion and XXXX correct my record as it deals with XXXX XXXX. XXXX has reported various differing amounts in collections on my report. I contested these amounts and the existence of any such account. 
I have caused Transunion to show a XXXX Balance now, but, they still show the account as open, it's closed. Furthermore, I sent them a copy of the only invoice I ever got, which I got after it was posted to collection on my account. If they would have looked closer they would have seen not only the XXXX balance due, but the date that the item shows, it should have never reached collection status on my record. 
XXXX has the same XXXX Balance statement and should have corrected my record they hold as a closed XXXX balance or removed it based on the date shown paid on the invoice and removed the entire item as well.
On XXXX a XXXX called my job and told the secretary that there is a warrant for my arrest from a supposed debt I had from 2005 to bank of America. Which is not true actually BOA reimburses me almost 2   years ago. When my wife called the number that said XXXX left to ask for an address to serve proof of payment and to ask that I not be harassed and threaten at work a XXXX XXXX called her all kind of names and refused to give address. All I have is a phone number. XXXX. And a case number XXXX. They refused too.
I 've sent Experian, XXXX XXXX Credit Bureau XXXX an update address letter on XX/XX/XXXX certified mail and signed on XX/XX/XXXX with proof attached stating to update to my current address along with my Birth Certificate, etc. Experian refuses to update my address listed. It 's been well pass the 30 days on XXXX/XXXX/XXXX and still no response or dispute information. I request Experian to update my personal information such as Date of Birth, Current Address and Employment History immediately under my Social Security number or I will take another legal action with the BBB, Attorney General, etc.
on XX/XX/XXXX withdrew XXXX from my citizens checking account leaving me with a balance of XXXX then I transfered XXXX out of my account leaving me XXXX on the XX/XX/XXXXa charge of XXXX went thru leaving me XXXX and on the XX/XX/XXXXtwo deposit where posted into my account one for XXXX and XXXX for XXXX also on the XX/XX/XXXX a charge posted for XXXX and the bank charged me an over draft fees of XXXX twice once on the XX/XX/XXXX and once on the XX/XX/XXXX and my account was not negative
Case ID XXXX in reported on my credit as a pending status owed of {$6000.00}. I 've sent documentation showing it was dismissed so that it could be removed from my credit. Each time they replied that it 's accurate not even looking at documented proof that the public record should be removed so I have been turned down twice for mortgage loans because of this inaccurate reporting.
Diversified Consultants is misrepresenting themselves on my credit as the original owner of the debt. They are reporting me as late on payments every month, on a 6 year old debt, when the debt was with XXXX and not them. They have also re-aged the debt as XXXX XXXX when the late payment was actually in XXXX. I have contacted them and said they can not report me as late on my report but they still do every month. I was this removed from my report. Diversified account number XXXX XXXX account number XXXX I copied details below directly from XXXX : DIVERSIFIED CONSULTANT Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated - Credit Limit - Past Due Amount {$1300.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1300.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In the middle of dispute with Chase Auto Loan regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. Chase did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust Chase Bank/Auto Loan. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust Chase would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting Chase would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016!  No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how Chase runs their business.
this account on my credit was never late. 

XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M 51M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current Status Updated XX/XX/XXXX Balance {$14000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance {$31000.00} Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments FIXED RATE Payment History
I have XXXX loans that I have partners. The partners were collecting the rents and making the mortgage payments with the rents. In XXXX of 2015 the partners stopped making the payments unknown to me and the loans are in default. I was never notified by Wells Fargo of the status of the loans. I only found out after pulling my credit report. I was contacted By an XXXX XXXX in XX/XX/XXXX telling me that Wells Fargo needed me to fill out some paperwork to re-fi the loan and get the payments lower that our partners had request this. He never told me that the loan payments were not being paid or ask for them to be paid. In XXXX 2015 I finally received the paperwork and as I began to read it I began to question what this paperwork was about because it talked about the loan in default. I immediately called and spoke with a gentleman whom gave me that status of the loan. I then contacted Wells Fargo office of the president and offered to pay off the loans if they would restore my credit since I was never contacted or notified by them that the payments were not being made. I followed all the necessary steps and I just received notice from the office of the president that they would not be restoring my credit and they they had no obligation to notify me that my loan was not current. I ca n't believe this to be true. they had my information and never sent me one thing. They only sent it to XXXX my partner. I just ca n't believe that the bank has no obligation to notify all parties listed on the loan if there is a payment issue. Is this the case?
In  XXXX   XXXX  I learned about the  Public Service Loan Forgiveness Program  ( PSLF ) through  one of  my professional magazines and called them. I found out that my current 'program ' had not been sending my payments of {$230.00} to  XXXX . I had been paying them through automatic debit since about  XXXX   XXXX . I immediately cancelled payments from my bank and applied for the PSLF. I began inquiring about the monies paid. Where was the money and why was n't it sent to  XXXX . My loan amount was about  XXXX  in the beginning and it was now  XXXX ! I was told my money was in an escrow account until they found the right program for me. I was given a breakdown of collected fees and total collected was {$5900.00}! We debated about a refund they initially offered {$1500.00} and final offer, which was paid {$3100.00}. They se nt 2 checks one for  {$220.00} and {$2800.00}. I deposited them    XXXX   XXXX   XXXX  . I c alled the Better Business Bureau  of C A during this process and they advised me to file a complaint after the checks cleared. The checks cleared on    XXXX   XXXX   XXXX  . T here is a balance of {$2800.00} that I believe I should have refunded. I was never placed in a student loan program and my student loan debt is higher than it was at the start. They did not pay my loans as agreed upon and this is very unfair to students trying to comply with repayment options.
In  XXXX   XXXX     2017  I spoke with  XXXX   XXXX  and  XXXX  at   XXXX   XXXX  . I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior.  XXXX   XXXX  pulled my credit  WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not to pull  the credit he did it anyway and my score has dropped  XXXX  points immediately as a result
I opened an account with BB & T online, later I went into a local branch to double check my account type.

The banker sent me an email about the account, which stated that the account does not have any fee ( quote : " No monthly maintenance fee '' ).

However my account was charged a {$12.00} " monthly maintenance '' fee. I messaged BB & T on XX/XX/XXXX but BB & T never replied to my message.
I am a victim of identity theft. I discovered this when checking my credit reports through XXXX in XXXX XXXX 2015. 
I immediately placed an initial fraud alert with the XXXX credit reporting agencies. I received my credit reports by XX/XX/XXXX and I proceeded to go through the dispute process. I also filed a police report - Case number XXXX. 

In XXXX XXXX, I received a phone call from XXXX XXXX from the XXXX XXXX financial crimes department. He told me that they pulled over someone with a false license plate. When the officers asked him for his ID, he claimed to be me. He had a fraudulent copy of my drivers license with his picture on it. He eventually confessed to the fact that he has been using my identity to pick up phones from stores. 

With this information, I proceeded to file a dispute with all three credit reporting agencies. 
XXXX and XXXX removed all my requests. 
Equifax, however, did not. Equifax refused to removed a few accounts because they verified that the items belong to me. I 'm not sure what their procedure is but it 's definitely incompetent. They also refused to remove the fraudulent and unauthorized hard credit inquiries that are a result of the identity theft. These hard credit inquiries will affect my credit score and will remain in my file for two years. 

I urge CFPB to investigate Equifax and their procedure on how to verify accounts as I find them to be incompetent and lackluster.
XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX ( XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX.

Settlement agreement for the amount of {$800.00} made between XXXX XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018.

Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}.

Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments.

My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018.

I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please do.
On XX/XX/XXXX I received Targeted Promition from Citi Advantage Platinum Select Credit card. It offered XXXX miles after spending {$3000.00} in 3 month as a benefit. When I received card and all the paper along with it I couldnt find the XXXX miles benefit on it. On XXXX XXXX I called customer service and raised concern. Ive been assured that I am eligible for this benefit. After spending {$3900.00} and not seeing the miles, I called customer service again and been told that because I have closed another credit card within 24 months, I am not eligible for the XXXX miles. How this Targeted Promotion was sent to me if I wasnt eligible? Citi got two sets of materials that they sending to the customers : one with full benefits and another for duped people with the short benefits. There was nothing in the application disclosing eligibility requirements. Citi is in violation of the Truth in Lending Act and should stop deceiving practices.