WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 at around XXXX to about XXXX I got a text from Chase Bank asking if I had recently made a purchase for the amount of {$620.00} at XXXX. After texting no to the automatic text, I checked my bank account and saw that they did not only make one transactions but they made about 8 transactions that came out to be {$1900.00}. I still had my card with me, I did not lose it. I think someone skimmed my card, and made a duplicate card and was able to get my pin number. I immediately contacted my bank, and that they reassured me that I would be getting my money back after 5 days. A couple of days pass, no updates. I tried calling again, and they told me that they are still investigating and that I should be expecting the refund soon. Sure enough, I did. Now, after about 2 weeks, I thought everything was going well. Last night XX/XX/2018 almost a month later, they reversed the money back without any noticed. I then called them, and they basically told me that since my pin number was used and they got cash back, there is basically nothing they can do, so they closed my case. I am very upset that Chase is not willing to do further investigations so I am contacting you guys for help. I am currently a full time student, so the money lost is very important to me. Please help me get the money back because apparently Chase is not willing to do further investigation.
ProsperXXXX appears to be preventing shopping around for best interest rates. Received e-mail that said our rates are lower than before, please click to see new rates available. I clicked on advertisement and after entering some information they said have to decline offer as was declined within last 120 days. I called the customer service number said, I have a loan with prosper and was checking the rate in the advertisement for a lower rate. They said that I must of applied to an affiliated company within last 120 days, such as lending club ( which I did to see what their rate was ) and therefore ca n't consider an offer. Customer service said, need to be careful and not click on those advertisements. I said that sounds like Prosper is preventing people from shopping around for the best interest rate. Customer Service agreed.
I checked my credit report and noticed inquiries from unknown sources { XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX. I have not applied for any new credit accounts. I filed a complaint with the FTC as well.
Ditech Financial LLC, is playing some kind of game to put me into default on my mortgage. They stopped sending me monthly billing statements back in XXXX ( see last statement, attached ) and although my name is the primary name on the mortgage, and I have written all the payment checks, they sent their default letter addressed to my wife back in XXXX. I paid the balance due plus the next months payment and included a copy of their default letter, noting on it that they were not sending billing statements ( see attachment ). I still, as of today 's date ( XXXX/XXXX/16 ), have not received a new statement from Ditech.
Since XX/XX/2017 there have been at least 10 " hard '' inquiries on my credit reports that were not authorized. These include two from XXXX and one each from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and two from  XXXX XXXX. 

I have contact the bureaus and each of the companies involved. I was told today by one of them - XXXX - that it would take 8 to 10 weeks to resolve. This is not acceptable!! 

Experian said I needed to get letters from each of the companies acknowledging they made a mistake. THIS IS YET ANOTHER EXAMPLE OF HOW LITTLE THE CREDIT BUREAUS DO! THEY BLINDLY ACCEPT WHATEVER CREDIT GRANTORS OR COLLECTORS SAY WITHOUT ANY ATTEMPT TO DETERMINE ACCURACY
I am having a very difficult time with PennyMac. I am trying to avoid a foreclosure. I have put my property up for sale. As of 2 weeks ago I have an offer at market value. My realtor and I have been trying to get a hold of XXXX XXXX XXXX the assigned rep at PennyMac for the past 2 weeks. She never responded by email or phone call. When we would call PennyMac to try and get an update from them, no one could give me any information or get me in touch with XXXX XXXX XXXX. We were told today that PennyMac will not stop my sale date of XX/XX/2017 or review my short sale. We were told there is " not enough time ''. That is the exact reason we having be trying to communicate with PennyMac 2 weeks ago! I feel like PennyMac has done this on purpose and is back dooring me into foreclosure. I am be forced into a foreclosure because of the dysfunctional system at PennyMac
I was approved for a loss mitigation reduction loan..I went thru the trial period for 3 months. After 6 months of on time payments, the mortgage company called and said that I have a second mortgage so would have to take back the loss mitigation process. The second loan was processed about 15 years ago. I have been trying to contact the second loan company in which at that time was XXXX XXXX. At this point that office is not open for business.
Synchrony Bank informed Lowes, Belks , XXXX XXXX credit card companys that I was deceased They had them close my accounts and ability to pay online. I am very much alive. I understand no one thats not a power of att. or have a death certificate can close an account. This has caused me late payments and embaressment. Late charges also applied. I have to pay online as I do not drive anymore.
Thank you for taking the time to read and address my concern. In the midst of a tedious process of obtaining mortgage approval, my loan underwriter advised me that their were several 90 day late payments being reported by Navient impeding our process of moving forward. After detailed examination of my credit report I found that Navient has reported 10-90 day late payments! To add further damage, it is being reported across multiple accounts although I have always made one payment to  XXXX   XXXX  and  XXXX . It looks extremely negligent and is extremely damaging to my overall  credit score  and profile. However, the major issue is that all the 90 day lates being reported were on or around  XXXX , during the time I was in an agreement with  XXXX   XXXX  for forebearance. I am not certain as to why that did not transfer over when Navient begin servicing my loans. There were many times I experienced hardship, yet I always remained adamant about contacting  XXXX  Mae/Navient for payment arrangements such as deferment or forbearance. Since then, the accoun t ( s ) ha s been paid off and consolidated.   Being a   XXXX   XXXX   , I valu e education to the utmost. However, it is disheartening to already not be in the highest income bracket and also struggle to achieve home ownership due to late marks reported incorrectly from your previous student loan servicer.   I reached out to Navient upper managment and office of customer advocate to resolve this issue to no avail. They had someone call me and I got the typical statement ... '' do you have your forebearance or deferment paperwork ''. Of course I do n't, that was 3 years ago and I had no reason to keep it. I am sure most people do not have their forebearance paperwork from 3 years ago, and Navient knew that before they even asked.   Navient 's response and handling of this issue is highly finical. You would think that they have some type of incentive or reporting 10, 90 day late payments across multiple accounts. Given that these loans are paid in full and Navient was in the process of obtaining  XXXX   XXXX  loans, one would like to think they would take  the higher road an d give a former customer the benefit of the doubt. Especially, when I am reaching out saying this is really hindering my mortgage loan process. However, it is too much like right and characteristic of a reputable company for Navient to stop reporting this. Now I understand why their reputation for customer service and operations is absolutely horrible. Additionally, this explains their frequent involvement in litigation. For the life of me, I ca n't understand why Navient wants to continue to pad their reputation of how they treat customers. It 's almost as if they enjoyed giving me a hard time, and would love to misrepresent my payment history. My question to Navient is, what are you losing by taking the  high road  like a reputable company would and give a customer the benefit of the doubt? This approach to resolve issues, will eventually become very expensive for them.
On XX/XX/2018 XXXX XXXX XXXX conducted an unauthorized hard inquiry into my credit reports. I did not inquire on any loan in XXXX of 2018.
I took out a private student loan from Chase during my sophomore year of college in XXXX. My father co-signed it. I was constantly in contact with them during the process of forbearance and delaying payments while i was in school. Once I graduated I was diligent about making my payments, on time every month, never late, sometimes more than the minimum amount. After about 2 years of making regular payments, i hit a rough spot in life, my boyfriend bought a house and we moved in together, about XXXX week after closing he was laid off from his well paying job. He was eligible for unemployment, but it barely covered his car and other bills, let alone a new mortgage payment. I had to take over the mortage payments, which left less money to pay other bills. I was able to defer another federal student loan that i had. I had called Chase several times during this time, explaining the situation, asking for any short term assistance I could get ( lowering payments, a few months of deferment, etc ) I was open to any options I could get to help me for just a short time ( less than a year ). They advised that unless this was going to be a long term issue, and I needed to be the XXXX to have the unemployment they were unable to help. So at the time i made the decision to stop paying. I was a loyal customer, my boyfriends mortgage was with them, I felt that they were not doing anything to help someone who would have gladly paid back her loan, had they assisted her for about 6 months. My father had cosigned the loan, he was unable to pay, he has a very seasonal job with high layoffs, has many bills to pay himself XXXX including parent plus loans for my education ), he was attempting at bankruptcy. After a couple months of letter stating that i was behind on my loan and it was going to collections, i never heard again from them, until fall of XXXX. I received a letter in the mail stating my loan was charged off. I thought nothing of it figuring a collection agency would contact me to set something up. Then After the first of the year XXXX I received a tax document from Chase stating that my loan was charged off and the dollar amount would be taxable. This was close to {$30000.00}!! that doubled my income ( i think i only made about $ XXXX that year ) which then doubled my tax 's due. I now owe close to $ XXXX in back taxes. I think this is absurd, I never got the chance to make any payments, or was ever contacted from a collection agency. They never contacted my co-signer for any information and he is not responsible for any of the amount charged off.
I applied for the Capital One Quicksilver credit card during the second week of XX/XX/XXXX. 

On XX/XX/XXXX, I received an electronic letter ( to be attached ) declining my application, for the stated reason that one agency ( XXXX ) indicated that I had insufficient duration of credit.

On XX/XX/XXXX, I wrote a letter ( attached ) to Capital One appealing this decision, attaching my current XXXX credit report ( also attached ) which clearly reflects the fact that I have had the same credit card ( XXXX XXXX ) since XXXX as well as a mortgage in good standing with XXXX since XXXX. 

I received a response letter from Capital One on XX/XX/XXXX ( the letter is dated XX/XX/XXXX ) which acknowledged my letter and reported no change in their decision to deny my application. 

I believe that Capital One 's denial of credit to me was based on their erroneous interpretation of a single credit agency 's report. They cited no other reason for denial of credit to me.
I wrote letters to XXXX, Transunion, XXXX  on the following dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning XXXX XXXX account & XXXX XXXX XXXX on my report that needed to be validated. I asked on all instances to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they had on file for the accounts listed. 



They did not remove the account after the 30 days however they removed XXXX from 1 bureau but then reinserted the account without providing any documentation validating the debt or any notification prior to reinsertion The XXXXXXXX XXXX XXXXXXXX account was updated to non charge off however no information was ever provided to validate. 

I have been XXXX for 10 of the past 15 years of my life and have had my identity used while being XXXX
XXXX XXXX is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via Equifax twice in the last 3 weeks - included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from Equifax that the creditor has verified that my account is 30 days / {$230.00} past due as of XX/XX/XXXX. I have a print screen ( dated XX/XX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XX/XX/XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XX/XX/XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.
My car was repod on XX/XX/XXXX ... i payed to retrieve my car on XX/XX/XXXX. Was unable to physically pick up my car until XX/XX/XXXX bc my car was shipped to auction with the intent to sell prematurely. After getting the run around and having property stolen out of my car which a police report was filed. I was still within my 15 days of redemption. The finance company XXXX XXXX XXXX reported on XX/XX/XXXX that the account was closed and a reposession was placed on my credit report. After i spoke with them repeatedly during the XX/XX/XXXX-XX/XX/XXXX time frame and treated like i personally stoke money owed each rep they said the account was still open and now i have {$3000.00} additional added to my already high car loan and when Im only late around {$1400.00} and i paid {$560.00} to get my car back. This is legit a predatory lender and they lie to get the funds they want. Im already paying extremely too much for a car that was a lemon when they financed it and have spent well over {$2000.00} in the last 3 months to fix it. Regardless of late payments i dont need incorrect information reported on my credit report. I would like this resolved just as quickly as it was reported. Since yall were so quick to try and sell my car before my time was up. I already called and was to have someone in credit reporting look into it yet all i get was remarks. No the loan is still open and i would like it reported accordingly.
XX/XX/XXXX 3 times of {$34.00} overdraft Fee by Chase bank XX/XX/XXXX 4 times of {$34.00} overdraft fees by Chase bank Contacted the Bank many times and they refuse to waive these fees
Capital One ... .Visa credit card ... .Elder financial exploitation On XX/XX/XXXXI was contacted via email by headhunter looking for procurement officers by a company in XXXX XXXX XXXX XXXX XXXX -US Branch handled by a XXXX XXXX   this was an international gift card credit card scam that wasn't revealed to me until XX/XX/XXXXwhen I became aware that the company was a scam. I immediately connected with the vendors and saved over {$1000.00} of gift cards that were not used. I immediately filed a Sherrifs Department report with XXXX XXXX XXXX   through the XXXX  , Fl Police Department File # XXXX XXXX I was quite upset and XXXX XXXX took my statement. I also filed a IC3 report with the Federal Bureau of Investigation on XX/XX/XXXX. I worked with the fraud department of Capital One every phone call made I was reaching a new agent I never talked to the same agent twice. I was calling 2 or 3 times a week to try to rectify this matter. I felt as if I was getting no where with them. I was responsible for {$3700.00} which were my charges that I myself was responsible for and paid in full. Capital One lost the check. This was resolved by me when I paid on line once again. I never heard one word about the lost check. On XX/XX/XXXX agent XXXX XXXX issued me a case # XXXX he stated that I should fax to him the reports and place this case number on each sheet which which I complied with. I have never received any acknowledgement that these docs where received and I could never again reach this agent. Therefore, On XX/XX/XXXX I spoke with XXXX XXXX XXXX  another call, another explanation, sent me a link in order to place the files online again using the same case number a above. To Date I have heard nothing. I had no acknowledgement but still received notices from the credit card division charging interest on the unpaid balance and of course ruining my credit score. I called Capital One again but to no avail. I felt as if I was on a merry go round. I never heard or received anything from the fraud dept but kept on receiving the statements with interest accruing. These phone calls were getting me no where to date I have called over 100 times to this department. I wrote a letter of XXXX XXXX XXXX XXXX, President of Capital One, overnight return receipt requested, I never received acknowledgement when I know the letter was in fact delivered. I feel that I have exhausted all means of communication with this company my credit has been ruined when in fact I always maintained a high credit score throughout my lifetime. I am XXXX years women living on social security and pension who just wanted to earn additional income but duped by foreign scam artists. Now that I need a small loan to purchase a car I am being declined because of this continued problem.
I got a phone call saying I owed over {$400.00} in debt for back tolls which I do not owe and I do have XXXX XXXX It was a local call supposedly as same area code as mine. 
I couldnt understand what company she supposedly represented as I was disgusted and ended the call after saying not me. I then called back and got the name of the company. After some questions the explanation I got was there were so many with my name its likely not me. Their number is .... 
XXXX XXXX XXXX
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
robo calling and asking for XXXX XXXX however keep me on hold then hang up. 

I have not business relations with XXXX XXXX
There are several issues : ( XXXX ) The creditor has reported Balance and Past Due on the account of {$1600.00} every month since XX/XX/XXXX, but it turns out the actual Balance and Past Due amounts were {$2600.00} as of XX/XX/XXXX 
( XXXX XXXX The account was charged off in about XX/XX/XXXX, but duplicate charge off codes were reported every month ever since. The duplicate charge of status codes are the reason I was denied a student loan on XX/XX/XXXX ( account looks like it is very recently charged off ), and I believe this qualifies as credit report poisoning. 
( XXXX ) I settled the account in full on XX/XX/XXXX. On XX/XX/XXXX I called Pioneer, and they said " And you said you want a paid letter? ", " Okay, I can get it mailed out for you '', and " I 'm going to get it going, you will get it today, okay? '' ( by email ), but I never received the requested Settled-in-Full letter from Pioneer as promised. On XX/XX/XXXX, I have disputed the inaccurate information on my XXXX credit report, and on XX/XX/XXXX, Pioneer has reported all inaccurate information as verified. In particular, on XX/XX/XXXX, Pioneer reported the account as Charged Off ( correct status Settled-in-Full ), Balance Amount {$1600.00} ( old correct balance {$2600.00}, correct balance as of XX/XX/XXXX {$0.00} ), and Amount Past Due {$1600.00} ( old correct amount past due {$2600.00}, correct amount past due as of XX/XX/XXXX {$0.00} ). Thus, Pioneer has explicitly and intentionally provided false information on XX/XX/XXXX in response to my dispute. 
( XXXX ) Furthermore, I believe that the account had been closed when it was charged off in about XX/XX/XXXX, but it continues to be reported as open.
On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017 and Experian XXXX/XXXX/2017 to help me resolve this issue with XXXX XXXX. All XXXX bureaus gave me the run around and all I wanted was an honest investigation.
XX/XX/XXXX XXXX filed complaint against Rent Recovery Solutions LLC. Complaint was completed  and justified but Rent Recovery Solutions still appear on XXXX and XXXX  when they were to be removed. Rent Recovery Solutions LLC appeared on XXXX twice only 1 was removed it also appears on XXXX now and still remains.
XXXX XXXX agreed to install cable internet service at my residence. They came to the residence, put up wires, but the service was never functional. I informed them of this fact, they told me the only thing I could do was pay the outstanding bill for a month of service and then they could come out for a service call. They have since sent my account to debt collection. This does not seam fair as I never had working service from them, nor did I agree to pay them for service that they attempted to install before it was working. There is no written agreement between XXXX and myself so I am at a loss to explain why they are sending my account to collections or even how it is possible to send an account to collections based off of the non-contractual relationship we have.