WillisBack/dataset-financial-user-claim huggingface dataset:
My credit was pulled by XXXX XXXX on XX/XX/18 and I received an email from the agent on XX/XX/18 informing me that I did not meet the required XXXX required to qualify for a mortgage loan. He further went on to advise that the next communication I would receive would be from an agency advising what I needed to do to increase my credit score. I was initially upset about this, because I was opposed to having my credit pulled and I was basically urged by XXXX to have it pulled. I have a very clear picture of my financial position, and I informed the agent that I didnt want my credit pulled at that time because I wasnt in a position to buy a home at that time. I was encouraged to call XXXX XXXX in regards to a credit repair program. Nevertheless, there was no follow-up with any further information as promised. I was then asked by a buyer 's agent if I would mind speaking to someone else in another XXXX XXXX XXXX. I said sure, whoever is going to be able to guide me and get me the help I need. 

I received a call within the next day or two from another agent. I was upfront with this individual just as I was with the prior agent. The new agent ask me several questions basically confirming information I provided on my previously submitted loan application but never did we discuss submitting a loan application or pulling credit, because the other office had already pulled credit on XX/XX/XXXX. I am disputing both credit inquiries and would like them removed immediately, because the services that XXXX presented and the end-goal was totally misrepresented as presented to me. 

The second agent asked me several questions during our phone conversation, and any information obtained was for the sole purpose of identifying me so that he could retrieve my credit file in XXXX system since he did not work in the same physical office as the prior agents. There was never a discussion, nor did I express an interest in submitting a new application. The main concern that I expressed was trying to determine how the middle score was obtained through the first office in my denial with no explanation, because I knew my credit score should be higher. I simply wanted to know if credit scores for mortgages were determined using a different method than general credit applications, and I clearly explained that to the agent. I authorized the credit pull on XX/XX/XXXX however the XX/XX/XXXX pull was completely and totally unauthorized.
XXXX XXXX has reported to XXXX two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but XXXX  refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX
I have been trying for months to get this company Navient to backdate the posting dates of my checks. My bank has faxed them the front and back of every check sent from XXXX XXXX XXXX for the entire year of 2015. These checks are stamped on the back by the XXXX Treasury. Navient sees the date on the front of the check, the date stamped by the XXXX Treasury on the back of the check, and yet posts my check days later. They keep reaching out to their financial department with the advice like the bank should only send XXXX big check instead of XXXX individual ones for XXXX different loans. When I do this, I get the same posting late problems. The associate backdated my check right away as recently as last month. I have had some associates backdate some checks and others are more reluctant. I know this is a huge compliance issue because I am being charged daily interest. These discrepancies concern the majority of my payments ; as much as XXXX percent. When you multiply my daily interest by thousands of other customers who are paying through bill pay like me ; it is an issue. I have been informed by my bank ; XXXX XXXX XXXX ; that they are directed under contract by Navient to only send paper checks, thus setting me and thousands of customers like me up for failure. I tried to send my payment through their website with the very first payment and Navient said they do n't know why it was unsuccessful. They have a record of this. When a company asks for proof of payment and the bank faxes proof, why ca n't they fix this? I have paid more than the required payment every month, yet they sent me a letter about if I need financial help and want to go into forbearance! What is wrong with this company? To add insult to injury they have taken away some kind of credit for not paying my loans on time! Is anyone out their paying attention? This is unethical, not to mention illegal. Think about daily interest times thousands of customers. This is fraud and needs to be addressed by a good lawyer.
i have a payment arrangement set up with Kay Jewelers, we have been making reduced payments in accordance with the arrangement. we have been getting XXXX calls since XX/XX/2016 saying that we have not paid. this information is not true and has been verified with Kay jewelers every time we have spoken with them. Their phone dialer system has called my self and my wife a minute apart and we have spoken with them at the same time and have figured out that the nature of the calls is false. i have repeatedly informed them that if calls continue i will file harassment charges against them. today XXXX/XXXX/16 we have received 4 phone calls back to back from them after hanging up with a representative who has been informed that i am taking action against them
Bank of the XXXX branch has been my bank for 27 years. Several years ago the present Manager and assistant told me I should have a Gold Line attached to my checking account because I was paying excessive overdraft feets that compiled even though the deposit to cover them was entered the same day. They placed the fees XXXX then registered the deposits. 
This has been the same only worse with the Gold Line because they can randomly choose an amount to transfer to cover an overdraft. Anywhere from {$50.00} up and then charge a loan fee of 19.9 % which is very very high. 
I asked the Manager XXXX in XXXX of 2015 if there was n't a different option and I was given the brush off and told no. 
The amounts of loaned money has grown to over {$900.00} and they keep " randomly adding money to my checking and building the loan amount. 
I know that many of the transfered money from the Gold line was unnecessary and that deposits were always made to cover my payments from the checking. 
There have been times when I know that the funds were available to cover a check but the bank used " timing '' in order to increase my Gold line balance.
Served with papers without notifying me ahead of time in XX/XX/XXXX. And at that time it was all pending because I filed for community care and aspirus had sent me a letter saying that XXXX XXXX   would pay 75 % of the bills that were at alliances collections I thought everything was taken care of and I was just waiting to find out what I was to pay after the 75 % was paid but never heard anything from alliance or aspirus then one day I 'm served with papers to go to court. So I called alliance to try to work things out they said I could n't pay less than XXXX a month I said I could pay XXXX a month because I do have other bills they said no I had to pay XXXX or go to court and every time I call them they are rude and uncaring, I recently called because I was explaining to them why I was short on the last payment and also explained that I am filing malpractice against the doctor who did XXXX on my XXXX  which those are the bills that are at alliance collections, and right away the girl asked me where I was getting the money for an attorney I told her it was none of her business. And now today XX/XX/XXXX I spoke with XXXX explaining that I was going to refinance my mortgage and get extra money to pay this bill at alliance collections off then she proceeded to tell me several times I was behind on my payment by XXXX and that if it is not paid they would take me to court.
Early this morning around XXXX am I paid my bills online. I then went to purchase dressers on XXXX website, I 'm a XXXX veteran and I finally saved enough money to get a Dresser. So to my surprised it was declined, I went to call XXXX because I knew I had funds in my account. The lady I dealt, XXXX with was very condescending and did not do her job correctly. Her manager is XXXX XXXX. I have gone without furniture in my place for over a year so obviously I 'm upset that I am not able to use my own money. I sent an email to the company about the incident, I get an email back. I thought maybe it had to do in regards to that. Nope it was a the security check that they had to take off my account which she did not do which brought another decline to the same order. Not once, but several times. I get it, I 'm a veteran and I have the premier account. I do n't have XXXX dollars in my account and obviously they treated me differently than a wealthy person. I lost out on some money several times using coupons not able to be used again for my purchasers. I do n't have much funds so whenever I find a deal I have to jump on it. This definitely agitated my XXXX dealing with this character and the lack of response to my money and embarrassment of being rejected several times at the same company.
I was told by Social Security that the XXXX had put in a request to take {$160.00} from my check. They told me to contact the XXXX. When I called them I was referred to Transworld System , Inc. In speaking to them 2 months before the deduction was suppose to take place. I told them I needed to make arrangement to pay my student loan at a lower rate because I was not working anymore and I was now on Social Security and I could not afford for them to take this {$160.00} because it would be a hardship for me because I was on a fixed income and I was a senior. They told me if I went into their program for the Student loan, this will stop them from taking money. I signed all the papers to go into the program for 9months. They would take {$5.00} a month for 9 months and I would move out of default status and continue paying the loan until its paid off. This was not true. Not only did they take the {$160.00} they also took the {$5.00} from my account which I signed up for. This is causeing me a hardship because now I am short on paying my rent because. I still have co-pays for my XXXX medicine because I am XXXX. This was the purpose of me going into the program to avoid this situation. They told me this would prevent this from happening. The company is very unprofessional because I have called them left messages and they never call you back. You have to keep calling them and every time you reach them a different person answer the phone and they always come up with some other documents needed. I 've called several times and they have told me that my counselor XXXX XXXX XXXX is not in, but they will get the documents to him. This is very unfair to anyone and more less a senior. What was the purpose of getting involved in this program? If this was going to happen, maybe I could have research a way to speak with Student Loan Department. Transworld said they were working on behalf of the XXXX Student Loan Education.I was misinformed.
XXXX may have sold my personal and private information to a 3rd party creditor or debt collector without my permission.
[Letter #5]  XXXX was founded in Atlanta, GA, as Retail Credit Company in 1899
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
Disputed final bill amount with XXXX XXXX, for a service activated in XXXX 2015 and cancelled at the end of XXXX 2015 for not providing the services that were promised. This was simply 'bait and switch ' tactic!! 
Contacted XXXX on social media to settle the account. Also sent email to technician that set up the account. XXXX sent a general response but no follow up. 
Supplied evidence to XXXX collection agency on XXXX XXXX with email/ complaint on social media etc. advising them the account was in dispute. 
Supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. That was rejected. 
This is unfair and I should not be penalized for services not provided. I am still willing to resolve this matter. I will not pay for the services not provided to me. 
Thank you
My credit card account was suddenly and unexpectedly closed. The company cited my credit score as  the reason why it had closed the account. I've always paid the account on time and did not authorize any credit checks. The company XXXX is located in XXXX XXXX XXXX, Utah and uses the name XXXX XXXX XXXX. This is further part of harassment that I'm being subjugated with while in Arizona.
Equifax was hacked and neglected to inform affected customers until months had passed. Equifax managers dumped stock with insider knowledge that the news would affect the price. 

Additionally, they have set up a website to check if we were affected. By checking if we were affected, we waive our rights to a class action suit in the future. This is extremely shady, almost certainly illegal and should be prosecuted.
Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well.
Equifax : XXXX : XXXX : To : XXXX, Equifax, & XXXX.
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, BBB, and filing a law suit against Equifax, XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX $ on all XXXX credit reports this information is incorrect. I dont anybody any money what is this account For??
TransUnion , LLC is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a bankruptcy that showed up on my credit report. Every time I send TransUnion a letter requesting signed written verification or validation, They just send me a letter back stating that it has been verified. So I called the XXXX Courts and I was told by the Courts that they do not, will not and ever will report to the credit reporting agencies due to privacy laws. what baffles me is that TransUnion is claiming that this account was verified, Who is verifying it?? I have attained legal counsel over this matter and will be filing a lawsuit as soon as possible. According to the Fair Credit Reporting Act, ( A ) ( 1 ) ( A ), Credit Reporting Agencies are required by Federal Law to verify, Through the physical verification of the original signed consumer contract, Any and all accounts they post on a credit report otherwise, Anyone paying for their reporting services could fax, mail or email in a fraudulent account. If this account can not be verified or validated, It must be deleted immediately!!! If you need any more information, Feel free to call me at this number, XXXX XXXX XXXX XXXX. XXXX XXXX.
I have been trying to modify mortgage with Ocwen Loan Servicing LLC for 13 months. This mortgage claims, I have not submitted all the documents that was requested. Once documents are submitted that was requested. They waited over 30 days and request the documents to be resubmitting stating the documents need to be update or would request additional documents. 
I have even gotten assistant from New Jersey XXXX XXXX, they have submitted the documents on my behalf and they gotten the same result I have gotten. 
I have contacted my NJ XXXX and The NJ Attorney General Office informing them of the practices that Ocwen Loan Services , LLC is doing.
My apartment rental company accidentally pulled my Equifax report multiple times. They acknowledged the error. It was very difficult to get it fixed, but ultimately the inquires were removed from the report. I noticed a few months later they were re-inserted. I filed a dispute and all I am getting from Equifax is them saying the inquiries are valid.
I 'm making this complaint because month after month I send the proof to Equifax that they are reporting this bankruptcy wrong by sending the public records page from my credit report and they have failed to correct or remove it each time and come back saying that it has been verified. 

Here 's my dispute with Equifax : Bankruptcy Docket # XXXX # 1 You have the date " XXXX/XXXX/XXXX '' and this date is NOT accurate or even existent! 
# 2 I 've notified you of this multiple times and therefore, I am notifying the Consumer Financial Protection Bureau of this violation immediately and am sending this complaint with my letter # 3 The docket # is not correct as well as incomplete # 4 " BK Court '' is not a court - this section must list bankruptcy court with the city and state # 5 the liability amount must be numerical and you have " K ''
Keybank in XXXX offered me a promising solution to consolidate all my credit card payments which required for me to laon XXXX in order for me to pay off the following : XXXX XXXX XXXX XXXX XXXX XXXX The reason why I agreed to applying for loan is due to XXXX of my XXXX cards at XXXX and have never gone over 40 % of my credit limit and wanted to come up w a fast solution this way, my credit score would not be compromised. 

I was approved for XXXX loan and instead of paying of the credit card we agreed upon, the payment was made towards the incorrect card which has left me in a lurch and now I have been receiving credit alerts through XXXX and my score has been affected tremendously. This is now leaving me in a very awful situation, knowing I have always had great credit ( almost excellent ) and now I am at good due to the error of Keybank. 

In addition to the error, they never followed up with me to set an automatic deduction for my monthly payments due to them so I have been paying staggered by sending wire transfer from my bank. I now received a letter stating I owe Keybank for late payments but have been actually paying them off Just not through automatic deduction. So I am now left with a low credit score, an alert that I am not paying my bills in which I have been and a high credit card payment still due to XXXX. What a disaster it has been. 

They never gave me a solution to help rectify and backtrack to ensure they payed of the accurate card but instead, pushed me to use my home as collateral for another loan and pushed me to refinance in which we started the process than later on realized, I was being scammed yet again so they could sign me up for another loan with a high interest rate. 

I have not only had issues with the bank, XXXX score that is now at XXXX, being pushed to take on loans to pay off cards in which was never done to no one HELPING me resolve these matters. I have had to take a day from work today to work on this as it has reached a point wherin I will be unable to apply for credit cards for my start up business since my score is now at a poor XXXX. 

Please help rectify this for me as I am in desperate shape due to how this has impacted me finacially and personally. 

Below is an email from the bank confirming they did NOT pay off the XXXX XXXX. 

Lastly, they put in / processed XXXX inquiries against my account w out my consent which also affected my score. We were told they would need to do this JUST once which is standard and when I checked my update on line, it stated Keybank inquired XXXX ; XXXX XXXX to XXXX, XXXX, XXXX, me Hi XXXX, I called and left you a message. I spoke to my back office and the XXXX card was not sent for payoff. The only debt we paid was the XXXX XXXX with the low balance, the other card and Keybank. I spoke to XXXX and he stated that he told you the XXXX payment along with the rest of yours and XXXX debt was going to be paid off with the Refinance and Home Equity. The loan proceeds were not enough to pay all debts. 

If you have any additional questions, I will make sure XXXX calls you when he gets in on Tuesday.
I started a loan application with Peoples Mortgage Company, because they have a program called XXXX program. I was sign to XXXX XXXX, to work with me to be able to get a mortgage. Me and my husband had a lot of credit issue that I was trying to explain to XXXX XXXX but he was not trying to hear me. He felt like it was not his department and was turning me over to a credit report program. But the problem was I had to do couple of police reports because my oldest sister use my information to create debt in my name. This was the first problem with XXXX XXXX, he came over to me and husband as not friendly or a people person that work with the public. After Mr.Sheff information to me I just started to work on my credit in less than 10 days I have XXXX items fix on my credit on my credit report. The next I spoke to XXXX, I let know and I ask him for a pre- qualification letter. This is what XXXX had to say to me, '' XXXX XXXX, As of today 's date you do not qualify to buy a home. With your current debt and current income you do not qualify. If you 're looking for a dollar amount - I 'm sorry to have to tell you but Zero dollars {$0.00}. You do n't qualify to buy a home right now. There is quite a bit of work that needs to be done concerning your debt before you will qualify to buy a home. Even if your credit was perfect - your student loan debt is putting your income out of range to qualify for more than just about enough to buy an inexpensive car. I 'm sorry to have to tell you this but we seriously need to get control of your debt and pay your student loans down before you will qualify. '' This man cause me to be upset all day long at work, never been hurt so bad in my life. If your working with the public you have to be careful of what you say to a person because you do n't know how much your words hurt someone and you are representing a company. 
If you have any questions please feel free to call me in the office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX DIRECT : XXXX | MOBILE : XXXX FAX : XXXX EMAIL : XXXXXXXXXXXX XXXX Licensing : AZ XXXX XXXX XXXX XXXX Company Licensing : AZ XXXX CO, Regulated by the Division of Real Estate XXXX XXXX
I closed my Capital One credit card account in XX/XX/XXXX At that time, myXX/XX/XXXX payment was already scheduled. At the time of my account being closed, my account was on Autopay.  After my account was closed a month, the autopay was no longer in effect. I believe that Capital One cancelled it when my account was closed. No payment was drafted in XXXX or XXXX. Because of this many large late fees piled up on the account, starting in XXXX, XXXX and XXXX, causing my amount due to balloon. Capital One called me in late XX/XX/XXXXto discuss my overdue account, which was the first hint that I had this account was overdue. I signed back up for autopay in XX/XX/XXXX