WillisBack/dataset-financial-user-claim huggingface dataset:
I have SunTrust Mortgage company some time now. I have lived in my home since 2008. I have a very same brook in the back and side of my house since the day I bought the house I was told by XXXX and the town of XXXX that my property is in a flood zone x. I have been receiving flood insurance though XXXX XXXX paying XXXX a year for coverage. Now Sun Trust is saying that I'm in a flood zone A and are not working with me and gave me their flood insurance which upped my mortgage XXXX per month. I'm a single mom and I can't afford to pay this amount every month. I have called SunTrust many times to see why my paperwork isn't acceptable this year. The last couple of years they have received my paperwork and I was fine with my XXXX XXXX flood insurance and they where good with me being in a flood x. Now they are telling me that I need to get update paperwork from XXXX either a map amendment or map revision. I have applied on line with XXXX to get this information which takes them up to 60 days to provide the paperwork to me. So now in the mean time I'm only paying my normal mortgage not the extra money that they added on to my mortgage I feel I have given them the proper documents for them to solve this issue. Nobody ever gets back to me at Sun Trust and I have faxed over the information many times and All State also tried to tell them that I was in a flood zone x. I feel if this isn't taken care of I will end up losing my house.
I am disputing information recently sent to me by Experian on report frompreviously disputing inaccuracies on my credit report. This information detail personal information such as name, co-spouse, and telephone numbers. The accuracy of this information is important to the respect of XXXX parties.
I disputed XXXX erroneous accounts that were reporting on my credit file with Equifax. Instead of sending me the results of those XXXX accounts, they sent a long list in " reviewed inquiry information '' which I did not request to be reviewed. They have had over 45 days to answer the investigation and yet they have not done so.
i am writing today in hopes to obtain your help i am reviewing my credit trying to lower my balances studding credit scores and working towers better credit. 
i am trying to obtain a loan and you play a big role in this process of obtaining a loan and what rate i will be paying. 
i reviewed my credit and i was shocked to see that you are reporting me 30 days late on XX/XX/2017 i dont remember being late i am not that person to be late at all the only thing i can think of is that my statement was dropped in the wrong mail box it sometimes happens that my mail gets delivered to my neighbor.
Suntrust has denied me my home equity line of credit. I have been on time with my Mortgage since XXXX with no late payments. My annual income is XXXX. I do n't know why they wo n't let me have my home equity line of credit. I am XXXX XXXX XXXX, which i 'm around the right age to get my home equity line of credit and to have my house paid off to where I can have more of my income each month.
I am reviewing my Credit report dated XXXX/XXXX/2017 only to discover that a debt collection of {$15.00} appeared on my report. I did n't know about the debt, neither was I contacted by phone nor by writing or otherwise.
I contacted XXXX XXXX on XX/XX/2018 to make an inquiry for account # XXXX ( XXXX XXXX   XXXX XXXX ) as it reflects on all 3 of my credit reports, I spoke with a XXXX XXXX   representative to obtain information on the account and was informed that no information was found for account. XXXX XXXX indicated the account may have been placed with their collection department and was forwarded to " XXXX XXXX XXXX '' which also informed me that no information for account # XXXX was found. 

I mailed a letter to XXXX XXXX  on XX/XX/18 by first class mail XXXX to follow up and request that the account be removed since no information for the account was verified or provided by either XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I disputed the account with all 3 credit reporting agencies on XX/XX/18 and received results from TransUnion which had failed to investigate XXXX XXXX XXXX XXXX # XXXX and continues to report the aforementioned trade-line without 'proper verification '.
Complain to Equifax : Explanation how the credit score from XXXX requested by XXXX on XXXX XXXX, 2016 reduced to XXXX requested by XXXX on XXXX XXXX, 2016. The credit score was dropped XXXX points when I have not applied or authoorized anybody to pull my credit between that period. Credit score on XXXX XXXX, 2016 from XXXX is XXXX, XXXX is XXXX and Equifax XXXX.
These dont belong to me please its hurting me.I never authorized these accounts. 

XXXX Reported : XX/XX/2019 {$0.00} Closed XXXX XXXX Reported : XX/XX/2019 {$950.00} Closed OTHER LOANS XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed XXXX/XXXX  Reported : XX/XX/2019 {$0.00} Closed
I had a secured credit card with Wells Fargo Bank. I was required to pay {$500.00} to secure the card. I asked the company to close the credit card account because they were putting charges on the card I had not authorized. They were then asked to return the collateral on the card. A check for {$500.00} was made out to XXXX XXXX, XXXX. I tried to cash the check at their bank but they refused to cash the check even with proof. The company has been contacted several times but I was told lies. When I tried to get the check re-issued in the business ' name and my name they say it could not be done. The impression I have is this : they want me to open a bank account with their bank. What they would do is charge fees I have not authorize or try to mess up my credit report. I do not appreciate being muscled by irresponsible and dishonest people. I would like Wells Fargo to return the security deposit I made in good faith. I do not think they should be considered for opening a business account with their company. I want to build wealth not get ripped off.
I received an alert that XXXX XXXX XXXX put a collections account in my credit report. I contacted the company and a rep named XXXX answered the phone. I told him about the amount. It stated that my highest credit limit was {>= $1,000,000} and it was incorrect. He then stated that the credit bureaus must have typed that information in. I then asked for verification of the amount owed and the original amount of the debt. He then told me that he was not he was not going to send me out any paperwork so I can decide if I want to pay. He told me that I shouldnt have went into Conns with the intent of stealing or not paying for the merchandise. He then hung up.
Myfedloan sent m y wife a secure message on   XXXX   XXXX   XXXX   letting her know she had until   XXXX   XXXX   XXXX   to re-certify her pay as you earn program. We filed our taxes and re-certified within the 10 day grace period on   XXXX   XXXX   XXXX  . We did the same process this year as we did the year prior that worked fine. We completed the application and gave permission to link to the IRS for our tax documents.  Myfedloans sta ted they never received the financial information because of a broken link with the IRS. Furthermore they said they tried to contact us  two reg arding the incomplete application. Both attempts via regular email, suspiciously not using the secure message system they set up to confirm receipt of important messages. We received the secure message in   XXXX   letting us know we needed to re-certify, and it was n't until yesterday (  X/X/XXXX  ) that we received a secure message stating our new payment would be over {$5000.00}. Our jaws dropped. We called immediately and found out the situation. We went back to   XXXX   downloaded our application from   XXXX   XXXX   and forwarded it a second time to myfedloans with the financial info they said they never got. They have since fixed the pay-as-you earn program for   XXXX  . However, because of their error or your error with the IRS, they are trying to charge us over {$5000.00} on  X/XX/XXXX  ) and they want to capitalize all her unpaid interest. This is nuts.. We did nothing wrong and fedloans is out of control. They are supposed to help civilians with their loans.. not throw the book at us when they have a system error. Additionally, I not only want to deal with the    XXXX   XXXX    high payment &amp; Interest Capitalization, but I need to also confirm all my qualifying payments under both the  PAYE a nd  Public Service PAYE progr am. Then I need to find out why my principle which was paid down to around   XXXX   XXXX   XXXX  was pushed back up to   XXXX   XXXX   XXXX  even before this erroneous interest capitalization occurs/occurred. A  FedLoan rep  told me in her words to not be nit picky about my balance discrepancy when I point that out while trying to resolve the other issues. Seriously?!?!? This has the lawsuit agains t  XXXX  w ritten all over it.
There are " Hard Inquiries '' or " Regular Inquiries '' listed on my credit reports that stay on there for 2 years. I have tried calling and/or filing a dispute regarding sd companies. I 've filed the complaint w/XXXX XXXX, XXXX, and Experian and nothing has been done to fix this problem. I 've also tried putting a freeze on my credit reports and noted that none of my information is to be given out without my expressed permission or my wife, XXXX XXXX XXXX ' permission. 

The following companies are listed on my credit reports which I have never initiated, never gave permission for them to review my credit in any manor and do n't know how they did this. My wife did not give permission either and this simply needs to be fixed as soon as possible. The problem continues regardless of what we do. 

The companies are as follows : XXXX XXXX XXXX via XXXX XXXX XXXX, date XX/XX/XXXX ; XXXX XXXX XXXX via XXXX XXXX, dated XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX dated XX/XX/XXXX ; XXXX XXXX XXXX via XXXX XXXX XXXX dated XX/XX/XXXX ; and XXXX XXXX XXXX  XXXX dated XX/XX/XXXX. 

Again, permission was not given to the companies listed above by me or my wife and I just do n't understand how they are getting our/my credit information w/out our expressed permission. 

I have tried calling the companies but am told I have to contact the credit reporting agency about this, the credit agencies in turn do nothing and have no way of filing a completed dispute form just for this issue. I 've called the reporting agencies and I 've filed in writing the problem w/these companies yet the problem continues. 

If you would please tell me what I need to do to get this information removed from my credit report as well as my wife 's and/or if you could please check into this so we can correct our credit reports w/out all the inquiries it would be appreciated. At this point, I/we simply do not know what to do but definitely want to file a complaint against the above listed credit companies as well as the companies looking into our credit w/out any permission from either myself or my wife. I ca n't imagine we are the only people w/this type of problem and a solution must be found to be able to correct any inquiry problems consumers find in their reports. 

Thank you for any and all help you can provide in this matter and I look forward to your response and/or advise in this matter. 

Sincerely, XXXX XXXX
1. I have my home property at XXXX XXXX XXXX, XXXX, GA, XXXX. 2. Since XX/XX/XXXX Nationstar Mortgage is handling the service of collecting mortgage. 3. My LTV on the loan is 71.7 % as of today. 4. Nationstar Mortgage should have removed the PMI under Automatic Termination by Mortgage Company as per HPA Act of 1998.
5. Nationstar Mortgage did not remove the PMI of {$77.00} cents when the loan LTV reached under 78 % automatically.
6. Each time, one person talks and does not understand this. 7. I wrote 3 letters to the President and he does not care to remove it, busy becoming XXXX XXXX. All the documents are with them and with me too. On XX/XX/XXXX, I reached under 78 %. The original Disclosure statement on PMI states the Automatic Termination of PMI under 78 % is XX/XX/XXXX. Nationstar Mortgage is not replying to the 3 letters I sent to its President, CEO, Chairman. They have to refund the excess amount of XXXX collected from me from the date I reached under 78 % that is XX/XX/XXXX. In the case XXXX Vs XXXX XXXX XXXX XXXX, the U.S. District Judge XXXX XXXX , a Pennsylvania federal judge has clearly given a Judgement that even a loan is modified, the original contract, the original PMI Disclosure Statement is part and parcel of the original contract and another Disclosure Statement based on the modified loan can not be given. Nationstar Mortgage was referred the above Judgement, still they are not refunding the excess collected from the date the LTV reached under 78 %. My loan account number with them is XXXX. Thanks XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX GA XXXX.
I had a Wells Fargo credit card with a great Rewards Program. On XXXX XXXX, 2016 they sent me a letter, which I received on XXXX XXXX, 2016, saying I was overusing their rewards program- like making too many large purchases, and that if I did n't stop, they would close my account. I did stop immediately : I only made XXXX purchases after that, both for gas under {$20.00}. I could have withdrawn all my rewards in cash at that time, but I did n't, as I had been saving up for a trip for my family, and if I redeemed my rewards for travel, the points were worth XXXX % more. So I naively trusted their letter. On XXXX XXXX they sent me a follow up letter, forcing my account to be closed and seizing all of the value of all of the rewards that I had accrued, through purchases and through bonus sign-up offers. After I realized this, I called them on XXXX XXXX, from XXXX until XXXX, speaking with XXXX different people and many different departments. No one could help me get my money back. I never broke any terms or laws or rules. I complied with their terms to stop making large purchases on their card. In return they seized a cash value of {$1900.00}, or a value if redeemed for travel of {$2800.00}. This also adds a stain to my credit report.
EQUIFAX which has recently " verified '',  XXXX  &   XXXX   are all reporting a collection account,  XXXX   XXXX   XXXX   XXXX , AKA   XXXX   XXXX   XXXX   XXXX    ACCT. #    XXXX  IN THE ESCALATED AMOUNT OF  XXXX  DOLLARS FROM THE ORIGINAL AMOUNT OF  XXXX  DOLLARS ...  .THE ORIGINAL  CREDITOR IS   XXXX   XXXX   XXXX   XXXX   AKA   XXXX   XXXX  . THE ORIGINAL  CREDITOR HAS PERPETRATED " FRAUD '' in my case ...  ..I ord ered water service at a  XXXX  sales signup inside a  XXXX  store.What I signed up for was a  XXXX  dollars per month service.What I received was substantially higher on th e 1st bill, which were surcharges undisclosed to me in the sales   presentation .. . ..I sp oke to   XXXX   on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made  3  different appointments to come pick-up their equipment and were no-shows all  3  times.The machine/dispenser sits in my house to this day ... they obviously do n't want it.   What   XXXX  /  XXXX   XXXX   XXXX   wants to do is perpetrate fraud an d 1 ) overcharge on their service,2 ) '' sell me '' their equipment I do n't want, and 3 ) rin g up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country.   So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE  O.C . the organizer of the fraudulent financial scheme.
I applied for an American Express Gold Card and was accepted, the splash page of their website advertisement says nothing of the XXXX bonus points not being available if you 've had their gold card at any time in the past ( XX/XX/XXXX for me ). I 've also received a typed advertisement for their American Express Platinum Card and no where in this promotional advertisement ( that I can find ) does it state if you 've ever had their Platinum Card in the past ( XX/XX/XXXX for me ) are you not eligible for the XXXX bonus points that is part of the offer, and yet the American Express Customer Service representative, supervisor, and manager has explained that this would indeed be the case for their Platinum Card as well. 

I 've been duped and I do n't like it. This is false advertisement at best. This has caused me to acquire an unnecessary inquiry on my credit file. I quickly closed the Gold Card account that I was approved for, and will pay it in its entirety once I am billed. While the manager herself explained it 's one of the most challenging and difficult conversations to have with their customers and apologized, and also states this harms American Express ' brand, this does not make me whole. Removal of their inquiry and the account from my credit bureau is preferred, and {$250.00} or the functional equivalent. Conversations XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and manager call back XXXX XXXX, XXXX XXXX XXXX 15min 29sec.
i recieved a call from someone claiming to be from a law firm. threatening to sue me which i never recieve any written lettter or know any about the company that is trying sue meor anything..they claim i owe debt with a company i 've never dealt with ....
Equifax continues to report a balance of {$420.00} on a XXXX account ( XXXX ) which has been paid. I disputed this account with the three major credit reporting agencies and included a letter documenting that the account was fully resolved. XXXX and XXXX corrected the error, but Equifax continues to erroneously report a balance.
CBE Group has called multiple times a day, many times it's different people calling and different numbers They've called me multiple times even when I explained I was at work.
I have file XXXX complaints with Equifax to remove the XXXX student loans accounts for XXXX XXXX XXXX ( XXXX ) because they have reached the 7 years mark of being on my credit report. Each time they wrote back stating that after the investigation of the XXXX accounts belong to me ; but my request stated that my dispute was that the accounts has been on my report for 7 years from its XXXX delinquency not if the accounts belong to me! I feel like this is a tactic of theirs by giving me the run around to be able to report debt pass the legal law requirement. I have attached the letter of dispute I sent to Equifax XXXX/XXXX/XXXX, the tracking number for proof of delivery, Equifax response credit File number Confirmation # XXXX date XXXX/XXXX/XXXX of the investigation to my request of dispute, XXXX file number XXXX Equifax response to my question regarding how long information remains on file, XXXX Equifax credit file number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX and a XXXX letter head from XXXX. Please have the XXXX XXXX XXXX ( XXXX ) remove from my credit report, for they have served there serve years from the XXXX date of delinquency on my credit report. I believe XXXX has an account with Equifax and that is the reason they are giving me a hard time ( the run around ) with removing the XXXX accounts XXXX is reporting on my credit report. I sent the same request to XXXX and XXXX and the accounts was removed. This company has broken many law and has learn how to avoid CFPB by not being a register company. They report on my credit report as XXXX XXXX XXXX XXXX Equifax and XXXX on XXXX, XXXX XXXX XXXX ( XXXX ) on XXXX, but is registered as XXXX XXXX XXXX. My complaints with CFPB in XXXX stated they could not investigate XXXX XXXX XXXX because the company could not be found and I can not file a complaint that has XXXX names ( ie. XXXX/XXXX ). It 's my belief that XXXX is practicing fraudulent tactics and really need to be investigated fully! Also Equifax needs to be held responsible.
I signed up for the American Express Platinum card on XXXX/XXXX/XXXX with a welcome offer for XXXX membership rewards ( MR ) points after spending {$3000.00} within 3 months. During the 3 month period I spent {$3500.00} on my card and had a return for {$34.00} and credit from American Express for {$230.00} from their Amex Offers ( {$30.00} ) and the airline incidental benefit from the card ( {$200.00} ). American Express has set a precedent and has counted the airline benefit and offers as a payment and included that into their spend calculations in the past but even without counting that amount my total spend was {$3200.00} during the promotional period. Everything has been paid on time and I currently have a zero balance. I was awarded the XXXX points on XXXX/XXXX/XXXX once I had reached the {$3000.00} in spend with my card. I tried to make a transfer to an airline and it was blocked with an error code. I called American Express and they informed me that they are reviewing the account and it should be resolved within 6-8 weeks. 

It is now XXXX/XXXX/XXXX, 8 weeks after receiving the MR points in my account, and they are still frozen/blocked. I was told their review should be completed by now and when I called again this week they said it could take up to 10 weeks. The terms of their offer state : " Points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement. '' So I have been told 6-8 weeks and their terms state that I should have them within 6-8 weeks and yet I do not have them available to me. I find this in breach of the agreement we made when I applied for the card. 

I did some research online looking into why these points have been frozen and found out that there are a lot of other Platinum Card holders that have had the same issue. I am not sure if American Express overextended itself or what the issue is but I think that they have broken the terms of their offer and I would like my points released so that I can use them. I have been a customer with American Express since XX/XX/XXXX and this is my first membership rewards card and I am pretty disappointed in the treatment that I have received. I would think they would offer better service to the customers of their premium card with a {$450.00} annual fee.
My health insurance was billed for XXXX XXXX  in XX/XX/2016. The insurance company did not pay for the XXXX XXXX although they should have covered the costs. The lab billed me directly for the work ( {$72.00} ) but did not send me any notice.
I came to the dealership to purchase a new vehicle. I was greeted by XXXX XXXX XXXX, the sales consultant, there. After we sat down and discussed the terms to the new car purchase, he and the sales manager, XXXX XXXX, told me the price for the new XXXX Toyota Camry SE was {$19000.00}. With that price being agreed upon, I went in the room to discuss the finance with the financial manager, XXXX XXXX. 
XXXX told me that because I did not qualify for a low interest loan, they would have to take away the {$2500.00} cash back offer by Toyota manufacturer so I can be qualified for the loan. That brought the total up to {$22000.00}. On top of that, he said because Toyota financial service will only guarantee me the loan if I purchase all of their warranties. At the end, the total came up to be {$31000.00} including tax and title fees. When finally drove the car home, I realized that the paperwork stated the car was a XXXX Toyota Camry SE but the car they did the paperwork on was a LE model, which cost less than the purchase price on the paperwork. 
I contacted the dealership later trying to resolve my problem but XXXX, XXXX, and XXXX refused to work with me to resolve the situation. Even though they provided me with misleading information on the purchase price and the actual model of the car. XXXX also falsely told me that I need to purchase all of their warranties in order to qualify for the loan.