WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have 19 credit inquiries that was an authorized reporting to my credit report please have them removed immediately from my credit report XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Collections Attorney Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Sales Financing Company Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Home Furnishing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX
submitted requested information to Equifax XXXX XXXX XXXX and response was to ask for the same information again. tried phone calls to no avail ( automated systems, no humans ) and the web sight led me to believe someone has used my identity for a home mortgage and credit card. i 'm a veteran using VA healthcare and collecting social security with total income below the poverty line and was born and raised in the state i currently live in. i do n't know what else to do or who to talk to so this can be straightened out. i 've just received my HUD-VASH section 8 housing voucher and do n't want this to prevent me from getting my own apartment, i only have a limited time to find one. thank you
my wife had 3 XXXX  XXXX in 2 years. i got laid off from XXXX XXXX XXXX. missed a lot of work then got laid off. got a letter last week from XXXX, XXXX XXXX XXXX stating i had 45 days to cure the default. started to get solicitations yesterday fro lawyers saying public record has foreclusure sale on XX/XX/2018. not 45 days. still working with carrington on modification.
Navient ( formerly XXXX ) continues to call, leave voicemails and threaten to ruin my credit for a student loan my son owes. I did not co-sign the loan. My son has spoken to them several times but they continue to call me. They are extremely rude, refuse to listen when I explain this is not his number and he does not even live in my house or in the same state I am in! I have asked them not to call, to communicate in writing with me if they feel it 's necessary but stop calling my phone. They continue to refuse and say they have every right to contact whoever they want in an attempt to collect the debt.
On XXXX XXXX I was the victim of a crime, a cyber crime, a federal grant scam. 
On XXXX XXXX I called Capital One to report the fraud. 
They because it involved a cash advance I could not dispute the charge. 
But that I should report it to the local authorities. 
I proceeded to report the crime to XXXX XXXX XXXX XXXXThe FBI XXXXThe XXXX Oregon Police Case XXXX Fraud Department case XXXX XXXXThe Better Business Bureau XXXX The Attorney General and the Consumer Financial Protection Bureau XXXX 
At this point and on XXXX XXXX I called Capital One again and gave them all this information. 
They however still maintained that it was a crime, because I withdrew the cash advance I could not dispute the charge. 
They did agree to waive the {$25.00} daily interest fee on the cash advance. 
But that I should communicate XXXX 
I did and they thought there was some insurance that might cover this incident. 
Especially since it happened while I was traveling. 
The sent me to the FTC.gov and my case there is ref # XXXXThey said it would be Capital One who would be the one to remove the fraudulent charge. 
They said to contact the XXXX Division of Capital One. 
When I did that they said there was no such division and sent me to a supervisor named XXXX. 
He maintained that a cash advance can not be disputed. 
He also saw no promise the {$25.00} daily interest fee would be waived. 
I am a senior citizen who was taken advantage of and Capital One continues that chain of abuse. 
Please help me convince Capital One that I was robbed, even tho it was infact me who withdrew the money ; I 've never taken a cash advance before in my entire life and only did so because I believed wholeheartedly that I was the recipient of a federal grant and would be able to pay off the credit card immediately. 
Yes, I sent the crooks {$800.00} but with the huge interest fees my loses may exceed {$5000.00} if Capital One will not permit me to dispute the initial cash advance XXXX XXXX. Thank You!
My student loan was in pay-off status through the Department of Defense and it has take over a year and still Navient, Inc has not applied missing payments. I provided Navient with proof of payment, however they have never contacted me and have failed to find these payments.
My XXXX XXXX Credit cards are not populating on my XXXX  credit report. I have collection items that are paid but are still showing on my report.
Capital One XXXX XXXX XXXX XXXX XXXX XXXX reporting on credit report however never did business with any of these companies
After my private loan, rate reduction plan expired I was offered a renewal by email pending my financial statement. I supplied my financial statement as requested and received more emails threatening to return to {$5000.00} per month payments if I did not renew. After calling to inquire, I was told that the interest rate would be doubled for the renewal, raising my payment beyond the unaffordable payment of $ XXXX/mo I was already paying for the {$270000.00} in private navient managed loans. I lieu of my other private loan payment of {$240.00} per month for a {$26000.00} loan, and payments to DOE for $ XXXX/mo on a {$500000.00} note, as well as other credit cards of $ XXXXmo, and car payment of $ XXXX/mo, a larger payment would not allow my family of size XXXX, with a XXXX wife, to eat or pay for childrens insurance nor educational expenses. When calculated without the private loan payment my disposable monthly income is currently {$210.00} dollars. I make an adjusted gross income of {$65000.00} per year and my wife is unemployed, as she provides childcare to our XXXX and XXXX year olds. My next resort appears to be bankruptcy, and I realize it is a barely even a temporary solution.
On XX/XX/XXXX, we closed on a new construction XXXX XXXX house. Our original loan was through XXXX XXXX, which is a part of XXXX XXXX. Our loan was sold to RoundPoint Mortgage shortly after closing on our house. 

On XX/XX/XXXX, an escrow analysis was performed. We received the escrow analysis statement letter on XX/XX/XXXX. Upon opening the letter, I noticed that our mortgage payment was going up 134 % from {$1500.00} to {$2000.00} due to a shortage that was calculated from an incorrect entry of the estimated taxes. 

The taxes on the property will be approximately 1 % that is paid out in two annual payments. This information was clearly provided by the original mortgager in the closing paperwork but was incorrectly entered into RoundPoint systems. 

On XX/XX/XXXX, upon receiving the escrow analysis statement, I immediately called into the support number at RoundPoint Mortgage. The person I spoke with said that they would schedule a new analysis. I was told the analysis would be completed XX/XX/XXXX. 

I have since called in several times to get an update on this new escrow analysis, but there has been no update. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - there are no updates. On one of the calls, I was asked by the person I spoke with if I had a tax statement that I could send them showing the taxes on the house - to which I responded, this is a new construction home and has not been assessed yet. 

RoundPoint should know that this is a new construction house and has not been assessed yet. They should further know that making changes to the escrow in this fashion given the details of the mortgage is irresponsible. Given that it is more 30 days since I originally contacted RoundPoint in regards to this error, they are now being negligent in this issue and I will be reporting this to the Consumer Financial Protection Bureau. 

Additionally, because RoundPoint does not accept any payments less than what they deem to be the full amount, I am unable to make my normal mortgage payments until this gets resolved as I don't have $ 500+  that they have increased my payment to. I am concerned that this will not be resolved during the grace period to make my monthly payment. 

I was also told by the people I spoke with that there is no way to directly contact the part of the organization that does the analysis. They additionally told me that they don't have direct connection to this part either, all they can do is email them. How is this an acceptable practice that there's no direct contact with the part of the organization that performs the analysis and the homeowner is subject to whatever is decided and has no active way to resolve the issue - which I am attempting to do.
I am disputed this account which was originally owned by XXXX XXXX the original creditor. This loan was paid off in full. Once the location was closed I start receiving letters from the new company XXXX XXXX that informed me I owed a debt. I informed them that the account had already been paid and please fix it. Months later I see that XXXX XXXX the collection agency had acquired the account and is negatively reporting this on my credit report. I have asked that the validation of debt be received twice and have not received an response. According to the FCRA they have violated my rights and are damaging my credit file by reporting inaccurate and untruthful information.
trying to get my credit report from Transunion for three days, and they keep on giving me the runaround.
Shellpoint Mortgage company is overcharging me fees. I have been trying to resolve this past discrepancy with the amount they say I owe. I have not fallen 60 days behind but they have been charging me fees which makes it appear that I owe several months.
the credit reporting agency are not CONTACTING the creditors under the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ) The Following account below have incorrect HIGH BALANCE! ALL ACCOUNTS BELOW SHOULD REFLECT A {$0.00} ( XXXX ) HIGH BALANCE! 

1. XXXX XXXX XXXX # XXXX {$3300.00} 2. XXXX XXXX # XXXX {$680.00} 3.XXXX XXXX XXXX XXXX XXXX {$2500.00} 4.XXXX XXXX   XXXX XXXX # XXXX {$4800.00} 5.XXXX XXXX # XXXX {$1000.00} 6.XXXX XXXX XXXX # XXXX {$13000.00} 7.XXXX XXXX XXXX XXXX {$480.00} 8.XXXX XXXX # XXXX {$5000.00} 9.XXXX XXXX # XXXX {$1000.00} 10.XXXX XXXX  # XXXX {$41000.00} 11.XXXX XXXX # XXXX {$3600.00} 12. XXXX XXXX # XXXX {$1000.00} 13. XXXX XXXX XXXX # XXXX {$970.00} 14.  XXXX XXXX # XXXX, This account was Opened XX/XX/XXXX Not XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, The filing date of XX/XX/XXXX is incorrect! the correct filing date is XX/XX/XXXX
In XXXX of 2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX at XXXX as well as the detective with the XXXX Police Department that this was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Transunion remove the Charge Off showing under my name with XXXX and Transunion as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit.
XXXX University employed National Credit Management a debt collector to obtain monies owed for me pulling out of class early. Being that I submitted in a timely manner pulling out of the class and requested that the school do not send me funds because of the course that I requested early departure. The school sent the money that was associated to my federal student loan ; unfortunately, I was not notified in a timely manner of the monies owed and the school sent the account into collections immediately without giving me chance to pay the account balance. The collection company ( National Credit Management immediately put the account in collections on my credit reports. Also, according to my Stafford loan disclosure, I am required to pay the same monies that was in collection back on my loan. This would make two payments. The school failed to tell me the accurate cost of the course which was extremely to high is the reason why I left the program and the school.
Making payments on time, and website is not updated to show payments are being processed or applied to the loan. Loan website is indicating payment due as being XXXX. Also showing no payments being made since XXXX XXXX, 2016. This is not the case. Last payment was made on time in XXXX of 2016. Since the website indicated XXXX due in XXXX, I assumed my estranged wife made the XXXX payment ( who is also tied to this loan ). I fear that the balance due is incorrect and my credit reports are suffering as a result.
I have requested TransUnion to removed 4 unauthorized inquiries from my credit report last week. 
XXXX  date : XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX date : XX/XX/XXXX. 
They wont do it and its not my fault what happened. Its their responsibility to removed authorize/fraudulent inquiries and they dont want to. 
I have no problem with XXXX, there were great but TransUnion it being so unprofessional. 
Thank you.
I have contacted the bureau and the company XXXX XXXX on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.
It was brought to my attention by a family member recently, that in 2011 DCS ( collection agency ) offered me a settlement on my loan. Which was paid in full, but when I brought it up to XXXX XXXX representative it was ignored as if I 've said nothing. Same thing happen with US Department of Education.
I submitted a complaint to XXXX, Transunion and XXXX regarding several errors that I found while looking over my credit report. Under the FTC I can dispute all inaccurate information on my credit reports. Please remove XXXX # XXXX and XXXX XXXX # XXXX from my credit reports as the information provided by the creditors is inaccurate and misleading. After completing a prior investigation, XXXX agreed to remove XXXX # XXXX and XXXX XXXX # XXXX from my credit report. However, XXXX has failed to follow through on its promise as the accounts still remain. Transunion failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. Please remove XXXX # XXXX from my credit reports as the date of delinquent is misleading and incorrect. Additionally, this account should not have a reported balance. Please remove XXXX XXXX # XXXX from my credit reports. I have reached out to this company repeatedly and have received no response. The balance, date opened and the payment history is incorrect. The company is reporting payment history in XXXX 2018 but this account should not have a balance. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NJ XXXX XXXX XXXX, 2015 My name is XXXX XXXX, and I am borrower for real estate closing of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The closing took place on XXXX XXXX, 2015, and the closing had been delayed almost 2 months due to Bank of America loan officer and underwriter 's numerous mistakes. 
Further, although BOA loan officer has reassured me there will not be any penalties for the rescheduling of my closing, there was {$2800.00} fees on my closing which I never agreed ( see attached HUD, Page XXXX, Item XXXX ). 
No one informed me there will be " Adjusted Origination charges. '' Further, there had been discrepancies on Good Faith Estimates provided to me ( See attached GFE dated XXXX, XXXX, and XXXX ). 

1. GFE dated XXXX/XXXX/2015, there was charge of {$660.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$660.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Loan Lock Extend fee of {$660.00}. 

2. GFE dated XXXX/XXXX/2015, there was charge of {$1000.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$1000.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Discount point fee of {$660.00}. 

3. GFE dated XXXX/XXXX/2015, there was charge of {$1500.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$1500.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Discount point fee of {$1500.00}. 

4. On XXXX/XXXX/2015 closing, actual fee was {$2800.00}. 

Although BOA loan officer repeatedly advised me he will waive any penalties or fees, I paid {$2800.00} at the closing, and as of today, I have not received the refund check or further explanation from anyone. I hereby demand Bank of America to give me full refund of {$2800.00}. 

Sincerely, XXXX XXXX
I spoke with CCS onXX/XX/2018 and advised them that the debt was invalid. They claimed that the debt was from {$200.00}. I advised them that I never done any business with there company and to remove the debt from my report. The agents weren't helpful at all about removing the false debt from my report. I did advise them that I would file file a complaint I am a victim of identity theft and I am requesting help with having this false debt removed from my report.

The company name is CCS and is on my XXXX  credit report for {$200.00}. The code on my report is Code # XXXX  and the phone number listed for them is XXXX. Address : Ccs XXXX XXXX XXXX XXXX   MA XXXX
I opened my account on XX/XX/2016 and funded the account on XX/XX/2016. I opened it with Promo Code - XXXX ( XXXX ) and that promotion stated. " There will be a bonus of {$400.00}. To get the bonus you must either open the Citibank account package and the Citigold account package and deposit {$15000.00} of new to Citi funds within 30 days and keep it there for 30 days. The bonus will be deposited within 90 days from the date that you meet the requirements. '' It is well past the 90 days and I still do n't have the {$400.00} bonus. I have contacted Citibank several times and I continuously get the runaround on the bonus. I was told I did n't have a XXXX but I have sent that XXXX FIVE ( 5 ) times to them at - CITIGROUP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX which is the address Citibank provided to me. They show that it was received but keep claiming that the SSN does not match my bank account name which is a LIE. I then send it a 6th and 7th time of the XXXX WITH a copy of my driver 's license, a copy of my SSN, and a copy of my tax return. All items match with my SSN on the XXXX form. I feel that Citibank is doing EVERYTHING POSSIBLE in order to avoid giving me the {$400.00} bonus EVEN though I have met every single condition of bonus offer. It is now XXXX and it has been over six ( 6 ) months since I have opened the account and left the {$15000.00} in the account without a penny of interest or the bonus. Can you please investigate this matter? I have XXXX this online and Citibank is KNOWN for pulling these illegal shananigans in order to keep from paying the bonus they promise to their customers to get them to place money into their bank.
Already had a hardship deferment with previous collector ( XXXX ). New collector ( Navient -- who had it before XXXX ) took my {$5.00} a month, and then said I had to pay {$280.00} ( One-third of my Social Security for the month ). I paid them on XXXX XXXX {$10.00} to show my good faith to hold while the process the paperwork with documents provided. They acknowledged they had the documents in their system. I had been on deferment before, nothing said I was not on deferment anymore. They again sent me notice they were still collecting {$280.00}. I asked them why, and they said it was going through the process. Do n't worry. Oh XXXX XXXX they pulled {$280.00} ( 1/3rd of my month 's income ) out of my checking account. I called and asked why/? That left me nothing to pay my rent. The Navient 's customer service person said because I gave them permission to pull from my debit card for {$10.00}. That opened the door. I called my credit union, and they said the money was NOT pulled by my Debit card. They pulled directly out of my checking account. ( I tried to upload copies of Navient 's agreement to let me pay {$5.00} a month, my SS letter of my month allotment, and previous XXXX agreement, but my internet access is very poor and it did not process. )
men 's warehouse charged me for items that i did not purchase causing my limit and rates to go up causing harm on my credit report cra violation tried to fix it with XXXX XXXX XXXX the worse customer service and i return the whole item manager refuse to take the return b/c they tore the suit so we let all the items thee and did not walk out of the store with any mens warehouse items
I received a letter from Colorado Capital Investment about a debt I suppose to owe from XX/XX/XXXX. A letter ( Restraining Notice & Information Subpoena ) was send to my bank requesting information about my account without my knowledge never received a letter before today ( XX/XX/XXXX ) about this debt. I do not have any knowledge of owing this debt and also there is no information on the letter as far as contact or who the debt is originally owe to.