WillisBack/dataset-financial-user-claim huggingface dataset:
I received my annual credit reports from the three reporting agencies, Experian, XXXX, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is XXXX XXXX. I had 9 inquiries on the Experian report, and several on the other two agencies. I spoke with a representative at Experian then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to XXXX XXXX as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against XXXX XXXX, but against Experian and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.
Ditech states I received a modification in XXXX this is not correct. I recceived a modification that started in XXXX and was completed in XXXX. Their records are not correct. But this is typical. If they were at all families with the modification process they would know mortgage modification is a long drawn out process for which XXXX XXXX XXXX would never have allowed nor is it permitted to have two modifications in a years time. It 's outside of the defined modification guidelines if Ditech knew what the protocol is for mortgage modification which they obviously do n't. I will forward the information to the Kansas Attorney General. Ditech needs to be educated on the modification guidelines.
CONVERGENT OUTSOURCING CONTINUES TO UNLAWFULLY REPORT TO XXXX AND XXXX DISPUTED 3RD PARTY DEBT TO WHICH CONVERGENT HAS NOT PROVIDED DOCUMENTS TO VERIFY AND/OR VALIDATE THE DISPUTED DEBT. I HAVE NEVER HAD A XXXX ACCOUNT AND CONVERGENT HAS ONLY EVER PROVIDED XXXX STATEMENT ( S ) ABSENT ANY OTHER DOCUMENTATION. CASE LAW IS CLEAR THAT SUCH STATEMENT ARE INSUFFICIENT.
For 3 years I have traveled to XXXX and used my chase debit card, the first 2 years I was refunded all non chase atm fees as I was informed by customer service that since chase has not atm in XXXX, I was entitled to refunds which I received 2 years. I again traveled to XXXX last 2 weeks ago and accrued not only non chase atm fees but numerous fee exchange fees. Why do I have pay an exchange fee when chase delays the authorization and then charges me the rate of exchange from XXXX dollar to us dollar the next day? the previous 2 years I never had to pay exchange fee, I do n't get credit from chase when the dollar is in my favor so why do I get charged when the dollar drops? I spoke with XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX x XXXX and she adjusted {$32.00} on XX/XX/XXXX, I left her 2 voice mails on XX/XX/XXXX and XX/XX/XXXX and she has not returned my call. I am requested the balance of non chase atm fee and fee exchange fee of {$48.00} to be credited to my chase account, thank you. As of today I have not had my phone calls returned or has my complaint to the BBB of New York been answered.
I was advised last week that a credit limit on a card I have issued to me by Barclay Card was lowered from {$8600.00} to {$6500.00}. I contacted the organization, and they advised that the right to reduce ( or raise ) the credit limit exists at their discretion, and it 's explained in the credit agreement that I signed when I had my card opened. While I did find that, what is troubling is that they accessed my credit report without my explicit authorization. I granted Barclay the right to access my credit report when I first opened the card, but not any subsequent times, which they assert is how they came to the conclusion to reduce my credit limit. I 've NEVER given Barclay ANY reason to think I would n't pay my credit card payment or the balance due. I 've always paid on time, I 've even paid off the card in total in the past. This reduction is unacceptable to me, as it should be to anyone who is an account holder at Barclay.
reported case number XXXX Second Round did respond to my wife 's case but left mine unresolved. Second Round made no effort to contact me. Reporting debt in " collections '' to XXXX is a " false representation '' of the actions made by us to settle this debt, it violates the Privacy Act of 1974. Second Round used deceptive means to collect the debt and to obtain additional information by means of phishing while threatening legal action if my wife did not commit to a monthly payment plan. My credit has been unfairly tainted since reporting to XXXX, my rights of due process were ignored, Pursuant to 31USC 3711 ( e ) we did not receive a 60 day notice of intent to report to credit bureau. No written or phone communication was received. I have faxed to Second Round, Compliance Dept a letter stating that the " handling of this debt '' violated my right to settle since they let it go and to cause further harm to my credit, listed the debt in collections with XXXX. i will attach the letter.
Equifax has confirmed that my personal information has likely been leaked, along with millions of others via their website http : XXXX They have mishandled my information causing a potential identity theft situation. This needs to be resolved.
Back in The XXXX 2016, I received a collection notice from Credit Collection Services for a debt of {$970.00} from XXXX XXXX and causality. I contacted Credit Collection Services to inquiry about the debt, I was advise from Credit collections services to send proof from DMV showing the date I sold the Vehicle that was covered by Nation wide insurance, I attached a copy of the plate cancellation receipt which was date XXXX XXXX, 2016, the cancellation notice on credit collection services for my policy with XXXX is XXXX XXXX, 2016. How can I be charge insurance with nationwide insurance for a vehicle that was sold 22 days prior. Credit collection services put this amount on my credit file with transunion on XXXX XXXX, 2016 and disregarded the attached document which was the plate receipt from CT state department of DMV. This is wrong.
I was contacted by XXXX XX/XX/2015. I was promised a web site that would generate me a residual income monthly. Since doing business with this company I have not received any services. Also this company will no longer answer the phone or is responsive to emails that I have sent. The company is an absolute scam!
I have sent at least three letters to Equifax, XXXX, and XXXX in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.
On XX/XX/18 we purchased a new vehicle and traded in a XXXX XXXX XXXX XXXX who's loan was managed by USBank. Dealership advised the check would be cut within 10 days. On XX/XX/XXXX I called USBank for a status update on the release of my loan and was told initially that the check had not arrived. I went back to the dealership who provided signed copies and signatures that in fact the check had arrived and was accepted. 

I called USBank back and was now told the check had been rejected for insufficient payment. I had a copy of the check and told the agent the amount which was over by around {$100.00} and was again told the amount was insufficient and to have the dealer reissue the check. They did so by overnighting another and gave me the tracking number. 

During this time they cashed the check and when it bounced charged the account fees for this. I called and complained and was told nothing they could do. 

I called back on XX/XX/XXXX to check status of check. Again was told they did not have it but that it can take up to 4 business days to close. I inquired about the payment due that day and cancelled the autopayment after learning of a 10 day grace period as this would be enough time for the loan to clear. 

Instead they cashed the autopayment and told me the overpayment would be sent to the dealership and not me since they paid the loan off. I called my bank and ordered a stop payment as at this point the loan was still overplayed but was now overpaid plus an additional installment. 

Again USBank charged me not only a returned payment fee but now 2 separate late fees. 

Again I called and was told now the account needed {$58.00} to close since it was XX/XX/XXXX and between interest and late payments the account was legitimately short. I demanded the late payments be waived, they declined. I paid the amount and began the complaint process. 

Upon questioning the dealership they apologized profusely and offered to pay the late fees and stated this is a common practice with USBank and they explicitly stopped all loans to them for this reason. 

These people are thieves and never have I had such a problem closing out an auto loan in my life!
Under CFPB complaint number XXXX, XXXX alleges that XXXX and/or Financial Asset Management Systems can run my credit report anytime they want. That statement is false. In addition, whoever wrote the response from XXXX to CFPB complaint number XXXX, does not know what they are talking about because they cited the wrong applicable law. They cited the Fair Debt Collections Practices Act. The applicable law is the Fair Credit Reporting Act in conjunction with the Fair Debt Collections Practices Act. It is a very fine line between being able to run someone 's credit report including mine whenever they want as a permissible purpose, and the action of re-running someone 's credit report over and over, including mine, constituting harassment. Financial Asset Management Systems pattern of continuing to run my credit report over and over constitutes harassment. The person who responded to CFPB complaint number XXXX from XXXX has no idea what they are talking as they cited the wrong law when responding to the issue of running someone 's credit report over and over, including mine. XXXX has a pattern of denying everything, just like they denied overcharging troops, which they did.
The specific creditor has exceeded the followings : 1 : Credit Score 2 : Frequent Calls 3 : False Accusation 4 : Harassment The reason I am not giving them debt is because I never made the account as the account was made under my Mothers name, as the specific Payment was not under my credit/debit cards ( Master XXXX / Master XXXX ) but the account was made on my name and my Phone number. 

This company has been frequently trying to call me every Week for debt I don't owe, and when I checked my credit score via XXXX XXXX, this company has hurt my credit and I want this to stop right now.
My X husband and myself have a joint Marriott Card together. When we got divorced on XXXX XXXX, 2013 the card balance was given to him as a liability. Last year he lost his job. He was unemployed for 6 months. He could not pay the amount of XXXX per month. We both talked with Chase and they said they will not do anything about changing the amount of the payment and are now reporting as a delinquency. 
I told them how much we could afford together to pay something to them they refuse. My credit is now being completely destroyed when this is not my debt anymore to begin with. Please help!
After a careful review of my credit report I noticed a few inquiries on my report inwhich did not derive from my doing nor did I authorize anyone else to exploit my name, credit or any other personal information that would lead to an inquiry on my credit report. This could be an mistake on the credit bureaus part and/ or in conjunction with the theft of my identity awhile back. Hopefully the credit bureaus will remove the following inquiries from my file immediately and promptly. The inquires are 1 ] XXXX XXXX XXXX 2 ] XXXX XXXX   XXXX 3 ] XXXX XXXX 4 ] XXXX  XXXX 5 ] XXXX XXXX XXXX 6 ] XXXX XXXX XXXX XXXX 7 ]  XXXX  XXXX XXXX 8 ] XXXX XXXX XXXX 9 ] XXXX  XXXX XXXX
You mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. You also did not notify anyone quickly enough and admitted that you will not notify everyone. There is also the fact that investors pulled out just before your stocks could plummet.
I have been paying on my Peaks student loan since 2010. I felt that from the start I was tricked into getting this loan. I was pulled aside from my class and told my federal student loan was not available so I needed to get involved with peaks. I was XXXX years old then. After realizing the scam that XXXX tech was I struggled to get a good paying job after graduation. With the lawsuit on the way by the SEC I think it 's about time even for myself to take a stand against the fraudulent acts of XXXX. 

I have sent this information for the 3rd time now. I have not received a call back from XXXX or no one else. So here I am sending it again.
XX/XX/2018 XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX A.   XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX B. Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. account resolution services 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX I will also attach photos of Accounts and inquiries that are fraudulent. Remove them immediately. Please look at the attached photos. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in less than 120 hrs  of your receipt, thank you for your prompt attention to this matter. This isnt the first time Ive contacted you about this situation and if the accounts isnt removed by the time frame I demanded I will take legal actions immediately after the response letter. 

Sincerely XXXX XXXX
In XX/XX/XXXX my mortage with XXXX was transferred to Greentree. Starting late in XX/XX/XXXX I was almost forced on a modification by Greentree. I denied the modification and was harassed and called repeatedly by Greentree servicing agents. I almost lost my home due to the XXXX. I was called XXXX times in XXXX day alone the end of XX/XX/XXXX about a past due payment. I would like to be included in the class action settlement so could you please give me some information about how to go about that. To this day I am paying an additional {$3.00} for a " servicing fee '' on my bill which they have not yet explained.
I paid my last XX/XX/XXXX statement balance of {$9600.00} IN FULL on XX/XX/XXXX with Capital One.
My account is listed as closed yet they issued a {$15.00} interest charge " on purchases '' on XX/XX/XXXX. My last purchase was XX/XX/XXXX, a full three statements/months ago.
When I spoke with the rep, he could not give me a valid explanation on what the interest charge was specifically for. He told me that in order to close the account I have to pay " two full statements in full ''... How am I supposed to pay two full statements in full if there is a XXXX balance? Oh I know, they arbitrarily assign a {$15.00} " interest charge on purchases '' even though I have n't made any purchases in months, and the last statement was paid in full, and the account is listed as closed. This makes no sense and I 'm not paying another dime.
I was going over my credit report and I seen address and information that is not accurate. 
My Name is XXXX XXXX XXXX, please remove any other variations on my name. 
My Current employer is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete/remove the following address below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
rushmore filed with the uscfpb a response stating that m ymortgage loan with them has a maturity date on their amortization schedule of XXXX while their website states that the maturity date is XXXX. the XXXX has a balloon payment that was never disclosed by XXXX XXXX predatory lender in either of the XXXX required TILA disclosures. so now rushmore is not able to fell me what the maturity date is since there response to uscfpb says XXXX and their website says XXXX for my XXXX trust loan. 








Contact Us : XXXXXXXXHomeRushmore Loan Management Servicesphoto of a neighborhood Loan Servicing CenterCurrent Loan Information Make a Payment Automatic Payments Home Loan Assistance Loan Activity Tax and Interest Payoff Statement Year End Statement Personal Preferences Email Inquiry FAQ Log OutCurrent Loan InformationLoan Number : XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX printer-friendly versionBorrower Name : XXXX F XXXXPlease note all information is as of the end of the last business day. A business day is generally Monday through Friday, except holidays. If you have any questions, please call us at XXXX Monday - Thursday XXXX to XXXX PST, Friday XXXX to XXXX PST. 



General Loan InformationCurrent Principal Balance {$32000.00} Effective Interest Rate 5.000 % Loan Origination Date XXXX/XXXX/XXXX Original Loan Amount $ XXXXXXXXFirst Payment Due Date XXXX/XXXX/XXXX Loan Type Conventional Loan without PMIMaturity Date XXXX Payment Method Monthly Statement Payment InformationScheduled Payment Breakdown : Last Payment Breakdown : Next Payment Due* XXXXXXXXPrincipal & Interest $ XXXXXXXXTotal Monthly Payment $ XXXXXXXXPayments received more than 10 days after thepayment due date may require a late charge of {$10.00}. 


* If Next Payment Due date is in the past, additional payments, charges and/or fees may be required to bring your loan current. 


Principal Received $ XXXXXXXXInterest Received $ XXXXXXXXFor more detailed information, click hereYear-To-Date TotalsPrincipal {$340.00} Property Taxes $ 0.00Interest {$680.00} Hazard Insurance {$0.00} return to loan servicing center printer-friendly version Privacy Policy | Terms of Use | LicensingEqual Housing Opportunity. Equal Housing Opportunity | ( C ) Rushmore Loan Management Services LLC XXXX. All Rights Reserved. 

( C ) XXXX XXXX XXXX XXXX XXXX. All Rights Reserved.
In XXXX of this year, I had reached out to Capital One for pre-approval for a mortgage. I was received a pre- approval letter stating that I was approved for a conventional loan for up to XXXX with XXXX down. I found a home and put in an offer and went into contract. This is where the issues began. Upon completing my application the loan officer ran my credit and my score came in at XXXX. Prior to my pre-approval my score was XXXX. I asked my loan officer why my score was different as they are the only ones who have touched my credit. I was never able to obtain an answer regarding this from the loan officer and her boss. I was advised that I would only qualify for an FHA loan regardless of what I put down. I was advised that I could not put down a lesser amount even though FHA guidelines state that I can put down XXXX. There was an appraisal issue with the home which me and the seller resolved. I changed my down payment amount the XXXX. So during the underwriting process I was given many different figures and then was advised that I need to put down XXXX and pay off my vehicle at closing and I can close on XXXX. Then I was told the next day that I will have pay off my vehicle with my bank. I talked to my loan officer who couldnt give me answers so I contacted their manager. He promised that I could close on XXXX and pay my vehicle at closing. The next day I given a document that didnt have the right numbers and was asked to acknowledge and sign. I refused and my loan officer advised that they will look into it. Then I was advised to put XXXX down and then XXXX down and pay off my car again. I took my concern to the loan officer 's boss and he advised that they are fixing the problem and they could not give me numbers until XXXX even though I am supposed to close on XXXX.They refuse to provide me any accurate documentation and gave constant misinformation numbers and approvaI. I ended up ending the contract to purchase the home and discontinuing the loan process. 

I had previously filed a complaint with the BBB and Capital One refused to take responsibility and provided false information in response to my complaint. 
The reason I am writing to your organization is that I was a victim of predatory lending. I am also writing to report their deceptive business practices. 

Attachments : I have attached two different email chains : Closing Disclosure : This is conversation with the loan officer about the closing disclosure that they ( capital one ) asked me to sign with the wrong amounts. 
Agreed Closing Amounts : This document had the down payment amount and closing date that I had agreed on with Capital One before they changed it two days prior to the closing date. 
I have also included their response to my BBB complaint that did not provide factual information. My rebuttal to this complaint is attached as well.
1. I do not recognize the following hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2. My credit limit of {$20000.00} with the following creditor is not reported ( it's a Personal Unsecured Line of Credit ) : XXXX XXXX XXXX Account Number XXXX Balance {$0.00} Date Opened XX/XX/XXXX 3. This name associated with my account is wrong : XXXX XXXX Name ID # XXXX
I called the customer number talk to XXXX and she transfer to the Financial Department we spoke with XXXX, I understand my payment of XXXX was behind for emergency reason, I never was late for this card, we try explain to XXXX about this but she was absolutely rude, unprofessional and no empathy for the customer she try hung up the phones many times without solving my problem.She mention each customer is treat different when I ask for reage my account, ask twice what that mean each client is different, is about discrimination since she used that terminology and we know they are able to reage accounts.