WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I had a mortgage through Chase for nearly 10 years, so we decided to contact Chase for a potential refinance. We applied for a loan refinance in XX/XX/XXXX, and in doing so were told that we needed to provide Chase with {$500.00} up front for the appraisal which would be refunded to us if we decided not to go through with the refinance. Because the appraisal came in low and would require us providing {$27000.00} in cash, we determined not to go through with the re-finance with Chase. XXXX, XXXX ID XXXX, at Chase was the mortgage banker we were working with for the refinance. In an XX/XX/XXXX email, Mr. XXXX said he had already processed the refund request and we should " keep an eye out on [ our ] account for the {$500.00} refund. '' When the {$500.00} was not refunded, we contacted XXXX on XX/XX/XXXX and XX/XX/XXXX. After XXXX emails and calls to him, he promised to follow up and asked that we contact him in XX/XX/XXXX if the refund had still not been made. The refund was again not made, so we emailed XXXX yet again and he simply responded, " I will have a look '' on XX/XX/XXXX. Nothing happened, so on XXXX, we emailed him again. He did not respond, so on XX/XX/XXXX we contacted his manager, XXXX NMLS ID XXXX, by voicemail and email. XXXX responded by saying he was out of town and would get back to us. He did not get back to us, so on XX/XX/XXXX, we emailed him to follow up. XXXX XXXX again did not respond, so we left him a voicemail on XXXX and an email on XX/XX/XXXX asking for our refund. On XX/XX/XXXX 8, XXXX called us back and claimed there had been an error before and XXXX had to re-process the refund, but we would get it within the week by FedEx. Also on XX/XX/XXXX XXXX emailed us confirming that he had re-processed the refund that day and would update us next week. We still did not receive the refund, so on XX/XX/XXXX we emailed both XXXX and XXXX yet again and asked for the refund and for their supervisor 's contact information to see if that person would help us resolve the issue and get our refund. To date we have not heard back from them.
I 've had a loan with XXXX since XX/XX/XXXX and have paid every month on time. On my credit reports XXXX is reporting no payments from XX/XX/XXXX to XX/XX/XXXX. I have called and written them and they wo n't change the reporting. They say they ca n't report my payments because I was in Bankruptcy. That does n't prevent them now from reporting the on time payments I made every month. I know during a bankruptcy creditors ca n't try to collect but this issue is nothing like that. I paid on time and the credit reporting should reflect that.
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
A dispute was filled with Capital One Credit Cards regarding an item purchased that arrived heavily damaged. Capital One requested that I submit a second opinion letter from a merchant in the same field as the merchant that sent the damaged product. I provided this second opinion letter. Capital One 's dispute department, in error, marked the second opinion letter as a duplicate document and Failed to submit the case to XXXX arbitration. After I called them to follow up with the case, I was told that a mistake was made, but at this point there is nothing they can do, as the XXXX window closed. I believe that this is a violation of my fair credit reporting rights.
Today, XXXX/XXXX/XXXX, I received notification through my credit monitoring company that Commonwealth financial listed a collection report for XXXX. I have never heard of this company before ( nor have I ever heard from them regarding debt ), and they do not list what the debt is for. However, after further investigation, I noticed that this collection agency is not licensed in the state of Florida to attempt to collect debt. This must be removed from my credit report immediately. 

Collection Agency COMMONWEALTH FINANCIAL Address XXXX XXXX XXXX, XXXX XXXX, PA Business Type Collection Services
An unauthorized payment of {$270.00} was taken out of my bank account on XXXX XXXX, 2017, by Synchrony Bank. I did not authorize the auto payment and I want to press charges unless we come to a mutual agreement and settlement. I have already requested their proof of my authorizing the money/payment to be withdrawn and I have not received a response. I know it is illegal and I want this remedied. Thank you.
I've attempted multiple times since XX/XX/2017 to remove the remarks that my account for XXXX XXXX which has a credit limit of {$15000.00} is Closed. This account is open and active and I've disputed it multiple times. XXXX  and TransUnion have gone back and forth. I've received updated credit reports where it'll reflect that the problem has been fixed and the report will show the account is Open and on a following update, the account again gets placed on a Closed status. This is affecting my Length of Credit history as I've had both of these accounts for a long time.
My mortgage company NATIONSTAR ruined my credit rating for no reason. 
I just received my annual credit report from XXXX in which it states, that I have not paid my mortgages for over 5 months and I 'm seriously delinquent. 
They also state, that I owe Nationtar an amount of {$2100.00} --, which is also untrue. 
Nationstar in fact owes me approx. {$800.00} in overpaid escrow fees, I owe them no money. 
And I have also never been late paying my monthly mortgages during the 10 year of my loan.
I am currently in repayment for my student loans, and planning on using the Public Service Loan Forgiveness Program. I have been paying my loan since XX/XX/XXXX, and have never been delinquent on a payment. The loan servicer has claimed that only 33 payments are valid and count towards the PSLF. In XX/XX/XXXX I requested confirmation of how they came up with only 33 payments, and I have not been able to get any information from the current servicer or the prior servicer.
To Whom It May Concern I fell behind in my mortgage payments. Applied for a Modification of my loan payments. I was denied for a modification by Penny Mac. They claimed that my income was n't sufficient and that I needed to earn an additional {$200.00} per month. So I rented out a portion of my home to make up the difference. I was told I would get a new customer relationship manager. But I have never heard from her or spoke with her after leaving several messages and calling multiple times. I finally reached someone and they told me send my updated documentation overnight certified mail, which I did. I show a deliver date of the documentation. They have yet to say that they have received those documents. I had also faxed in the documentation. They requested additional information that I have also provided to them. They also indicated that now maybe I now earned too much income to qualify?? I am at a loss as to why no one has reached out to me and why when I speak with one person I am told one thing and then when I speak to another person I get told something different. I want to keep my home and I feel that I have provided enough documentation and supporting materials to show that I am qualified to have a loan modification. Penny Mac has a FC sale date set for XX/XX/XXXX and so I am out of time. I feel that I have unjustly treated and not provided the correct information to allow me to meet the guidelines. How can Penny Mac take my home for not having {$200.00} extra per month and then later having too much income. Please help! Please advise! Sincerely,
A few month ago I called You Bank of America to ask if windstorm coverage was necessary, since the loan ( {$220000.00} ) to value ratio was low ( home is appraised over {$2.00} XXXX ). The land value alone is valued at more than tree times the actual loan we hold from you. In any case, the answer I received from your office Was NO, no need for it. We changed our carrier because we found that they would included all of our needs in one policy, ( Cars, Collectibles, Umbrella, Contents, etc. ) Now after all is done, you are requiring us to get windstorm!? We even went trough a mayor Hurricane and nothing happen.. not one claim! The house was build beyond the requirements of the building codes. 

We have been for years very good customers, even through hard times! We have been paying mainly interest with very little principal ( that should be illegal ), without complaining. I have spent TWO hours, mainly on hold try to ask to speak to supervisors ; no help, the answer Ive got was to send a letter, by mail! I asked for a name and email NO there is no such thing
Keep getting my sons information mistaken with mine. My name is XXXX his is XXXX nothing similer except for the XXXX .All his collection show up on my credit report can not seem to make the credit report companies to understand this. All of the addresses that he has used show on my report .All of the credit he dose not pay show on my report .Maybe he has used my S.S. # i do not know .Have been trying for years to get this corrected but to no avail .We have different S.S. # what could be so hard for this to be corrected?
Flagstar Bank would n't let me make a payment on-line like I do every month because they blocked me, instead they called asking for payment, added a {$20.00} late charge which is fine but then added another {$15.00} phone fee charge and didnt tell me they were charging me the {$15.00} phone fee. I feel this is an unfair practice!
I have been working with Amerihome Mortgage for loss mitigation options since XX/XX/XXXX. I have submitted all documents requested on time and in a timely manner. As of XX/XX/XXXX, I was informed that they had all the documents they needed and the file was forwarded to the Underwriting Department. Again on XX/XX/XXXX I was told the file is currently with underwriting, no documents were being requested and the foreclosure sale for XX/XX/XXXX was on hold. On XX/XX/XXXX we received a phone call from a XXXX XXXX   Employee ID XXXX who informed us that the they have all the documents needed and the file is currently in review with underwriting and we can follow up within 30-90 days. On that VERY same day, the lender kicked the file back to the loss mitigation department requesting additional information. Not one call was placed to my attorneys office, to myself nor were any notices sent out to inform us that now MORE documents were being requested. So now XX/XX/XXXX when call the lender, we are informed of the additional information now being requested and that they have now released the hold from the trustee sale for XX/XX/XXXX because they claim the documents must be received at least 14 days before the sale. Even if they did call me on XX/XX/XXXX, the day the lender requested those docs, that is not even 14 days to submit so therefore they are contradicting themselves. How is this fair? How can they request documents knowing that there are not 14 days left until the foreclosure sale and then demand they are to be received 14 days before the sale? To make matters worse, not once during this loss mitigation process have I ever been assigned a Point of Contact which is a violation of HBOR. I am extremely disappointed and stressed out with all of this as I have done my part, but Amerihome is dropping their end of the bargain and treating me unfairly.
I had a problem with a late fee issue which was subsequently resolved. I received no notice of the resolution, so I called Wells Fargo. I was notified that the problem was resolved and I was made an offer to waive the last payment ( XX/XX/XXXX ). In this case, as with the last, I was not informed of any action in the matter. I called Wells Fargo back ( XX/XX/XXXX ) to follow up and I was informed that there was no case opened for the request. However, a case could be, and was opened. 

Since the original enquiry and the time of the follow up call, a payment was not made in anticipation that the final payment would be waived. In the interim, Wells Fargo reported the account delinquent. I feel that this is unfair since the problem originated with Wells Fargo.
We contacted Veterans United Home Loans for a pre approval loan. XXXX XXXX XXXX did not set the expectations of this transaction from the beginning. He approved our loan and then waited nearly 30 days to inform us about down payment and student loans which appeared, I feel, out of the blue once we did not use the realtor because she does not work with " for sale by owner ''. He simply responded with a " My bad '', and did not offer any counseling services, or discussed if we qualify for any programs. XXXX XXXX used the excuse of the XXXX looked like an XXXX which is just a rank, he had the proper financial documents from the beginning. We had already scheduled and paid {$500.00} for an inspection and mailed our {$1000.00} earnest money. we were under the impression everything was going smooth until loan officer XXXX abruptly told us unless we had XXXX to pay off my student loans he could n't help us and I 'm offened that he used the phrase my bad, feel the way he brought up the XXXX down payment was used as a way to quickly get rid of us ... this is a home purchase that I thought was going to go through, now I have no place to move to and need to get my children registered for school. My husband has served this great country XXXX. Did I mention we had already scheduled transportation of our household goods to the city where our home was supposed to be. Now I 'm staying with family. There is no way this this serviceman and his family should be without a place to live. Please look into this matter. We were treated unfairly! 

XXXX
XXXX XXXX taxes garnished as payment for a loan that falls under student loan forgiveness. XXXX univeristy is closed for predatory practices and now Navient is a co-conspirator. I was unable to finish college in XXXX due to my 'credit line ' was maxed out and could not re enroll. No transfer of credits until final balance is paid. 
My transcripts are still held hostage to this day. 
I will not pay them a XXXX cent. I can not go back to college with the way they left me. Its now 8 years later and theyre taking everything. 
Next step in mail is garnishing paychecks. I refuse to allow someone to forcefully take my money over a debt that I was lied, tricked, decieved into believing would be payable after earning my degree.
Greetings, I have initiated a multiple disputes with XXXX over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for XXXX  to respond with validated proof per the Fair Credit Reporting Act. I have provided all requested documents to XXXX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors " Bank of America '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Account : BANK OF AMERICA - Account # : XXXX XXXX  Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA XXXX XXXX : XXXX DOB : XX/XX/XXXX
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of the XXXX account with a balance of XX/XX/XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
I sent XXXX XXXX XXXX a debt validation letter on XXXX XXXX. 2016. They ignored my request for validation and continue to make attempts to collect on a debt I am not sure I owe.
XXXX  will not remove old deragotory information from my credit report.  It is more than ten years old. The statute of limitations has expired.
There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my BA Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through XXXX in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my Masters Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in XXXX and determined to be XXXX XXXX XXXX from being XXXX by a XXXX XXXX, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my MBA degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under Times 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX Refuses to remove it. They hang up on me every time I try to talk to them about this.
Last year I paid my debts. I started inXX/XX/XXXX. The first 2 were XXXX XXXX and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and portfolio. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that XXXX  XXXX XXXX
In my credit report that is a collection account for {$300.00} under the name of XXXX XXXX. I do not own this account and It was already paid with the original creditor many years ago. Account number is XXXX with XX/XX/2016 as account date.
Equifax has the responsibility to keep my private information safe and secure. I am appalled that Equifax would allow this to happen. Not only did they allow this to happen but they also acted as criminals when they started to sell off stock before it hit the news.
Third party are reporting a bankruptcy on our credit reports. The bankruptcy is not disclosed by the bankruptcy court and are in violation to the fair credit act. I have asked for it to be removed from our credit reports but keep getting from the credit bureaus that it is a valid reporting without having verification other than stating theu received it from a third party. The bankruptcy court has informed me that they do not report information to the third party and that they do not disclose bankruptcies.