WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018 I was contacted by netcredit advising that I was pre approved for an installment loan. As I am a single mother of XXXX and have been batteling XXXX  I was behind on HOA fees and other bills and decided to take out the loan. They advised it was an intallment loan with monthly payment of XXXX. This is what I agreed to, I checked an account that I used and realized that they were taking out the XXXX every 2 weeks, once I realized this I sent them a complaint in writing advising to stop the ach and that I was under the impression that this was an installment loan and not a payday loan. I told them I could not afford the XXXX coming out every 2 weeks as this is not what I anticiapted. This has brought my checking account seriously negative and my bank is giving me a hard time as well. They emailed me a reponse saying it is an installment loan however the payment is every two weeks. I feel this is very deceptive, and installment loan is supposed to be a monthly payment a payday loan is a bi weekly payment. I really need help with this. I can makde montlhy payments I can not make bi weekly payments of XXXX that is too much and it is really creating a hardship for my family. Please assist me as again I feel this company is being very deceptive.
I spoke ro capital one about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.
Additionally, believe it to be a scam and not a real debt. Called me on XX/XX/2017 & left a voice mail at XXXX. Stated it was a XXXX XXXX, a licensed courier for XXXX XXXX re : a court order for XXXX XXXX, last XXXX of the social security # ending in XXXX. Now holding documentation that clearly states to dispatch to residence or place of employment to service you paperwork. However I can grant you the next 48 hours to contact the filing party to obtain your voluntary statement of consent as well as the opportunity to place the stop order on my services. The telephone # to the company is XXXX. XXXX, when calling reference your pending docket # XXXX.
they said the apply for some loan i never thet plus thto te dont want to tell me were the loan was taking
We paid off our monthly balance on our Southwest miles card from Chase and were still charged interest on the next month 's bill. I was informed this is because of a residual interest. Where if you carry a balance one month, you have to pay off at least two months in a row to not have interest. The part that bother 's me is that the statement says How to Avoid Interest " If you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month. '' I found this very misleading. The Chase person said, yes, of course, it says " each '' which means " all '' or at a minimum two months in a row. This seemed crazy to me. So I think Chase should be required to say. How to avoid interest? Never carry a balance. If you do carry a balance for even one month, it will take you at least two months of fully paying off your bill before Chase will stop charging you interest.
Transunion removed negative reporting items from the account with XXXX from XXXX 2010 to XXXX 2010, however when I reviewed my credit report recently the negative information was placed back onto my credit report.
TRANSUNION CREDIT REPORTING AGENCY HAS MADE AN ERROR IN REMOVING XXXX ACCOUNTS FROM MY TRANSUNION CREDIT FILE. THE FOLLOWING XXXX CREDIT ACCOUNTS : XXXX HAVE BEEN REMOVED WITHOUT AUTHORIZATION FROM CREDITOR. I HAVE VERIFIED WITH CREDITORS THAT ACCOUNTS ARE STILL ACTIVE AND BOTH HAVE A XXXX BALANCE WITH A XXXX CREDIT LIMIT THAT WERE BOTH OPENED IN XXXX OF 2012. THIS ACCOUNTS NEED TO BE FIXED AND ALL PAYMENT HISTORY AND ACCOUNT STATUS ON BOTH OF THESE ACCOUNTS NEED TO BE REPORTED BACK ONTO MY TRANSUNION CREDIT FILE. PER FCRA LAW, TRANSUNION IS REQUIRED TO PROVIDED ACCURATE CREDIT FILE INFORMATION.
Working with Capital One Auto Finance on a loan and when I fell behind they sent in repossessed and recovered the vehicle XX/XX/2014. Vehicle was sold without my knowledge and I didn't receive anything about sale of vehicle. XXXX and XXXX are still showing this account of report.
I have been in modification for several years with CitiMortgage. Today ( XXXX/XXXX/XXXX ), the underwriter erroneously closed my file 9 days prior to my sale date ( the sale date is XXXX XXXX, XXXX ). 
On XXXX XXXX, XXXX, four final documents were requested via letter : Lease agreements, XXXX taxes, 3rd quarter profit and loss and bank statements. I provided these four docs by the XXXX XXXX, XXXX deadline. They were accepted by CitiMortgage and I received written confirmation that all of my documents were successfully submitted. This was the final request for documents ( as confirmed today XXXX/XXXX/XXXX ) by XXXX XXXX at CitiMortgage. 

Today, XXXX confirmed that my file was closed for failing to provide a " recorded quit claim deed ''. This was not requested on my final document request letter from XXXX XXXX, XXXX. She agreed over the phone that this was an error and asked that I submit another complaint to the CFPB. They appear to be continually misleading me and intentionally trying to circumvent my due process under the CFPB fair practices laws. I consider this an intentional infliction of XXXX on me and my children. We desperately need to stay in our home. CitiMortgage needs to be shut down until they correct this behavior or it will just continue. They have no reason to comply with CFPB rules if they repeatedly violate them without consequences.
I have disputed an unverified account with equifax and XXXX XXXXr. They have both refused to properly validate the debt which is a violation of the FCRA. This debt is unverified and not mine. I would like for equifax to delete any unverfied debt from my credit report. 

The supposed debt is with XXXX XXXXXXXX for XXXX. There is no contract between me and XXXX XXXXXXXX. This debt is not mine and should be deleted from my credit report. 

Equifax is also report 3 90 day lates when the account has be closed since XXXX. 

This is my final attemp to resolve this issue before I bring in an attorney to rectify it.
My name is XXXX XXXX. This is my second attempt to contact you about several fraudulent accounts that you are reporting on my credit file. I would like to dispute the following accounts as an internal dispute and an affidavit. I am unaware of the accoutns. I was affected by the credit breach and my name was leaked. I have never filed for any bankruptcy and I am unaware as to why it is listed on my credit file. I dont know if you got the wrong person but I am sorry to say Ive never dealt with any bankruptcy. The last time I applied for any credit was in early XX/XX/XXXX. I havent really checked my credit for years since then. The inquiry items are XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XX/XX/XXXX 5. XXXX   XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX 8. XXXX   XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX 14. XXXX AXXXX XXXX  15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX
XXXX/JP Morgan Chase Bank shows on my XXXX  report with late shows and the loan was transferred by JP Morgan Chase Bank with out my consent or agreement or was not to my attention. I also did not agree or ask for no transfer in any way or ask. During transfer there was errors by JP Morgan Chase Bank on there part in which caused a lot of errors and I disputed to JP Morgan Chase and there was never any real reply to this issues. there was never documents provided to the issue nor any legal binding agreement to the issue when the disputes was filed. they never replied back as to XXXX never provided to me any legal documents showing any legal biding contract to terms and condition as stated by JP Morgan Chase Bank. 
XXXX has on my credit errors I want remove or I 'm going to have to pursue legal issues on XXXX/JP Morgan Chase Bank. 
There also seems like a bunch of fraud in the act with out any binding agreement to transfer and changes with out notices and the credit report reporting while in transfer and dispute to why with no answer by J P Morgan Bank nor ( XXXX ) as the original loan originator or what part they came in with out any notices or legal biding contract.
I notice a new collection on my credit report that I have not received validation for. Please provide me with a contract or instrument bearing my signature that says I am responsible for a debt with your company. I do not want anything sent in the mail. I prefer everything to be submitted and uploaded via the CFPB portal
I represent the owner of the home as their realtor and short sale negotiator. We submitted a complete short sale package by XXXX XXXX 2016. The file was said to be in underwriting for review to make a decision on XXXX XXXX 2016. I have been calling twice a week since then and have escalated this file for an answer at least 3 times and also had it sent to the executive office for a response. Each time I was told that a representative would call me within 24-48 hours. That has never happened. My seller has been called to answer questions about his short sale review which he was not capable of answering and they even told him that they needed my email address and contact info that I have been providing each time I have called the bank for status and an escalation. They were supposed to have initiated it in XXXX over a month ago and I still have not been contacted through that system to have the file reviewed by the investor for a decision. 
This bank has taking this file hostage and continues to play games with me and the seller for far too long. They have 30 days to respond to the seller in writing after the file has been completed and this has been well over 60 days now with nothing but games and excuses. I need the CFPB to step in and make this company accountable for their negligence.
I have contacted Equifax on several occasions about information that is incorrect on my credit report. I called on XX/XX/18 spoke with XXXX and XXXX the supervisor. I called on XX/XX/18 and spoke with XXXX. I called on XX/XX/18 and spoke with XXXX. I mailed in copies of my drivers license and social security card on XX/XX/18. on XX/XX/18 when I called I was told there were at three 3 credit files under my name. they combined all the files and the inaccurate information as well. I have several accounts on my file that do not belong to me. I requested disputes on the following dates XX/XX/18, XX/XX/18, XXXX, XX/XX/18, XXXX, XX/XX/18 and XXXXI requested an incorrect address be removed from my account. On XX/XX/18 I received notice that the address of XXXX XXXX XXXX XXXX Mi XXXX was removed from my credit file but this address remains on my file. I have mailed Equifax at least ten copies of my address and social security number and every time I call they claim they can't verify my identity. I have asked several times how did they verify an account that is inaccurate if they can't verify my identity. The last time I called they asked me ten questions to verify my identity and finally on the 11th question they asked me what was payment on a credit card account I closed over two years ago and once I could not answer the question they told me they were unable to help me. I went directly to the website requested a dispute, I was asked four questions answered them correctly and was able to obtain the information I needed after the customer service rep told me they were unable to verify my identity and told me to send in another copy of my address and social security number which is the same address and social security number I sent in just one month ago. There are accounts from XXXX XXXX XXXX XXXX on my credit file I called XXXX XXXX and they have no information with my name and social security Equifax continues to report these accounts on my credit file. There are several collection accounts on my credit file such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have contacted these collection companies they also have no information with my name and social security number. I have disputed these items and followed up my dispute with a request to verify and validate these accounts with Equifax. Equifax has failed to fulfill my request. I have received no information on these requests. My last dispute was on XX/XX/18 regarding these collections, I never received any type of verification but Equifax reports on my credit file in the comment section " consumer disputes account ''
I took a trip to XXXX and booked an apartment through XXXX.. I paid {$560.00} dollars to stay in a poorly appointed, misrepresented property. I filed a complained to XXXX about the situation without any resolution. The XXXX had non working toilets that flooded, bugs, ran out of water - it was bad .... 

Next : I filed a complaint with PayPal : Dispute Case ID : XXXX. 
And they denied my claim ... I am not sure what else to do, I feel like I was cheated and my families trip was ruined. 

I should have taken pictures of the property, but it didnt cross my mind. All I have is a copy of the text msg between the property owner and I ...
For over 6 years we have been making payments double the amount Chase Bank said would pay off the credit card in 2 years. Approximately {$34000.00} has been remitted Calling Chase they would not tell us where the additional principle payments were used.
Dear Credit Reporting Bureaus : I have been monitoring my credit scores weekly for about two years now and I am " stumped '' at the constant fluctuation in my FICO score from week to week. Thus, I have had to break down and purchase XXXX at {$20.00} per month just to try to protect myself further. Monitoring my credit scores and constantly having to fix them is taking a significant amount of time out of my life. This should never be! 

I have a complaint about your FICO score calculations and the fact that there is no " explanation '' as to the CONSTANT fluctuation in my score every week. 
On XXXX XXXX, I checked my FICO score and it was XXXX. Within one week ( today ), my FICO score dropped XXXX points with XXXX ... XXXX points with XXXX ... and XXXX points with Experian. When I viewed my credit report, I saw that I had done nothing wrong. I continue to obtain credit offers with lower interest rates, I am never denied credit, and I pay my payments on-time with all of my new accounts. 
Since you credit reporting agencies hold so much " power '' over a person 's life ( their FICO score determines if they can buy a house, buy a car, rent an apartment, get a job, and various other " life issues '' I INSIST on a detailed, specific, verifiable explanation as to WHY my scores dropped from each of you. Since your agencies actually assigns a NUMBER which determines whether a person has " very poor '' credit ... '' poor '' " fair '' " good '' and then " excellent '' credit, there must be a certain " MATH '' that you use for each point. I demand to know the math - long form, that you have used to drop my scores. 
I have requested this about 1 1/2 year ago and was given a vague, ambiguous answer by credit reporting agencies that are authorized by the government to assign these FICO scores. This is NOT ACCEPTABLE!!!! 
Since your calculation can keep me from buying a car, home, or even rent a simple apartment. Since you have SO MUCH control over my life ... because of the FICO score that YOU determine. I want to know " specifically '' WHY my score has dropped with detailed explanation. 
When such serious responsibility is given to an organization, then ACCOUNTABILITY is required. 
So, to XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To Experian ... please tell me why you dropped my score by XXXX points within one week. 
Please take responsibility by being " vigilant '' when an outsider attempts to provide information to assure that it is correct.
After having my husband 's tax return seized I contacted the department oof education today to find out that my student loans are in default and with a debt collection called Coast Professional Inc whom I've never received any mail or voicemails or emails from. They have had my account for a year and documented that they only sent me one piece of mail almost a year ago. They said they have called my phone but it's against their policy to leave a voicemail message. I have no records of their numbers calling me within in the last few months. I received no notice that our tax return would be seized. I am a XXXX XXXX XXXX mom who XXXX and I have no income and no access to my husband 's income or information. XXXX XXXX XXXX has stated that the only way they will allow me to do the rehabilitation program is to give them very detailed information from what my dental and hospital bills are to my cell phone bills to everything including everything about my husband. This is not his debt, only mine and I will not provide them with any information. I want my loans released from Coast Professional Inc and transferred to XXXX where my other student loans are current, on a repayment program, and I have maintained contract with for months now after completing another rehabilitation program without my husband 's information. When I asked to have my loans released to XXXX they tell me to call the department of education. When I call the department of education they tell me to call Coast.  I need help desperately to resolve this issue. I'm very willing to make payments even without having an income but I can not do so if they won't even allow me to sign up for their program.
XX/XX/XXXX started a mortgage with Washington Mutual for a mix use property, this a commercial mortgage with this being our primary residence / owner occupied. the mortgage was sold to another bank before lastly Chase Mortgage holding it for the last approximately 9 plus years. The mortgage had a balloon after 12 years as originally written for {$590000.00} that matured on XX/XX/XXXX. We never missed a payment as well as our taxes and insurance. We always keep up on the maintenance of the house and the property. When it was time to pay the balloon payment Chase Mortgage told us that the " property did not fit their business plan. We bought your mortgage in a portfolio. We won't refinance your home. '' We thought it was implied that since we are in good standings in every area that Chase would refinance the balloon. We kept paying Chase after XX/XX/XXXX until XX/XX/XXXX Chase stopped taking our payments and returned our payments and are hitting us with legal fee of over {$40000.00}. We are in forbearance with foreclosure proceeding being threaten by Chase Mortgage if we don't find a new mortgage.We feel that we have been discriminated against and red lined in the process of trying to obtain a new mortgage for this property. I can not see any other reason why Chase Mortgage will not refinance this loan. Please help we are going to loose our home and our investment. My wife is sick over this. 
Thank you Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
In XXXX of 2014 I went to Wells Fargo to apply for an auto loan to which I recieved but only because I also was told I needed to open a credit card account with them in order to be approved for an auto loan. Being a young man wanting my car I thought it was legit being that this information was coming from my bank. Fast forward 4 years and this is not the cause. Causing me multiple headaches in fees and interest over a credit card I never needed to open in the first place. Wells Fargo has ruined my future.
The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address.

The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person.

The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person.

The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address.

The Credit Reporting companies effect an erroneous change of address for two people.

There is a potential for ID theft!
Bank of America is the current mortgage servicer of my second mortgage which was sold in a mortgage securities pool in XXXX. The mortgage was fraudulent upon issuing. Pursuant to 10 PA Code Section 48.3, the company issuing the mortgage used and provided fraudulent information contained in these sections of the PA code : ( 1 ) A dishonest practice or conduct is characterized by a lack of truth, honesty or trustworthiness, or is deceptive or implies a willful perversion of the truth to deceive, cheat, or defraud. ( 2 ) A fraudulent practice or conduct is characterized by deceit or trickery, an intentional perversion of the truth to induce another to part with something of value or to surrender a legal right, or an act of deceiving or misrepresenting. Fraud also includes any other  definition of fraud under applicable law. Example A : A mortgage originator employed by a mortgage broker has promised a certain low-rate mortgage loan to a consumer. However, the consumer does not have the minimum debt-to-income ratio set by the lender preferred by the mortgage originators employer to qualify for the lowest-rate mortgage loan offered. Therefore, the mortgage originator changes the XXXX statement of the consumer to reflect a higher income for the consumer without the consumers knowledge, and then submits the documentation to the lender. Example B : An employee of a mortgage lender contacts a real estate appraiser with a request to perform an appraisal and informs the appraiser that the sale price of the property is {$150000.00}. The employee knows that the property will not appraise for that amount, but promises the appraiser future business if the appraiser can make the deal work. The mortgage loan is closed by the mortgage lender based upon the appraisal report showing the value of the property as {$150000.00}. I was tricked into this mortgage during desperate times. The interest rate is 9.75 % fixed. I had been paying interest-only for 10 years, and in XXXX I was required to start paying principal and interest. I have been struggling with these payments and will not be able to hold on much longer. I love my house and want to spend the rest of my life here. Please help me.
In trying to verify that all XXXX credit reporting firms reflect closed accounts and have CLOSED their credit reporting files on my husband 's file ( deceased XX/XX/XXXX ) I have found credit INQUIRIES were twice made by " XXXX XXXX XXXX '' in XX/XX/XXXX-XX/XX/XXXX ... ... ..which I presume to be XXXX XXXX. After today 's news regarding XXXX XXXX 's MASSIVE fraudulent practices I am presuming this was a 'test ' to see if they could tap into possible open XXXX accounts or?????? For certain HE was not alive to ask for ANYTHING requiring a credit inquiry to Experian or any other firm as ALL accounts were closed/terminated by XX/XX/XXXX. 
I am having problems getting deceased husbands credit files CLOSED!!??