WillisBack/dataset-financial-user-claim huggingface dataset:
I paid off my equity loan and ask the bank employee to close my account. Also there was an overpayment of {$1000.00}. It happened in XXXX XXXX of 2015. It has passed a month without a refund of the overpayment when I went personal to the bank branch to ask for the refund. XXXX XXXX, the personal banker called the department that handle it and he was told that a check have been sent to my address, but if I have not received it, they will place an stop paymen t in such a check and issue a new one. So far I have not received the check, but continue receiving the bank statement, that mean my account have not been closed as I requested and the overpayment check has not been made. 
The bank account is # XXXX, Fifth Third Bank, North Carolina
We applied for a cash-out refinance with XXXX to get out of an ARM with a balance of $ XXXX, consolidate a XXXX mortgage of $ XXXX, and pay off debt. Specifically, I requested a full 80 % of the appraised value, which my husband and I estimated to be approximately $ XXXX. The initial paperwork we signed showed the mortgage value of $ XXXX associated with an $ XXXX value We spent {$520.00} on an appraisal and two months of underwriting. The appraisal came out to be less than expected - $ XXXX. As a result, the underwriter backed out stating our Debt-to-Income Ratio was too high to take out 80 %. In order to take out 80 %, we needed a D/I ratio of 35 %. However, neither our debt position or income earned had changed. It had always been around 38 %, when considering the mortgage balance, student loans and auto loan that would remain after the refinance. If anything, by refinancing a lesser amount, our debt position would be reduced. 

We were deceived. We should have been told up front by the mortgage officer, XXXX XXXX, and the documentation should have reflected a mortgage of 75 % of the appraised value.
I opened HSBC choice checking account during XX/XX/XXXX via promotion code which says that I will get {$350.00} if I : " Receive at least one qualifying direct deposit per month into your new HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' On XX/XX/XXXX - I was told via the secure message center email that I have fulfilled all the conditions and within 8 weeks I will be getting {$350.00} cash bonus. I am maintaining required {$1500.00} balance also so I am very much eligible for this {$350.00} bonus. During end of XX/XX/XXXX - I reached out to them once again in terms of when i am getting {$350.00}. I got a response on XX/XX/XXXX that I wo n't be getting {$350.00}. So they are contradicting their own statements. HSBC has troubled me at the time of opening this account also and I need to reach out to CFPB regarding that. Once again they are trying to deprive my well earned cash bonus.
XXXX XXXX XXXX XXXX said i was 160 days late on my loan during a time in which my loan was in deferred status while i was awaiting approval for XXXX XXXX  veterans loan forgiveness and if approved it backdates from the date of XXXX which was before i even went to school so i placed my accounts in deferment XX/XX/2016 lasts for 6 months then i added another one around XX/XX/2016 so i couldn't have been late and after that i was approved for the loan forgiveness but the negative marks still are there i disputed it roughly 6 times with the 3 credit bureaus and within a week they came back as it was verified i asked how they never responded. so i disputed it with navient and was told they couldn't delete the late payments only the bureaus could which is a lie.
I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.
Between XXXX XXXX2017 and XXXX XXXX2017 Equifax removed XXXX XXXX XXXX collection account and XXXX XXXX XXXX XXXX collection account. I was not notified that they would be re-adding these collections to my credit report and by them adding these collections back on, they are hindering my home buying process. They also removed all inquiries and has now readded them back on. They are in clear violation of the FCRA. They also deleted the correct spelling of my name which is XXXX XXXX, they deleted all my accounts that were reporting such as XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. They removed the XXXX XXXX inquiriy which almost resulted in my checking & savings account being closed and they removed my correct address XXXX XXXX XXXX XXXXXXXX Last but not least I have two new accounts open which are XXXX and XXXX XXXX and I need those to not be removed as they will result in XXXX XXXX closing my accounts.
XXXX 's XXXX XXXX will remain on credit report as a debt written off by company in 2011. A recovery company can not assume a written off debt. They must remove their company from my credit report, due misrepresentation of written off debt by another company. Plus there has been no billing in XXXX plus years from either company. I had unemployment insurance that was suppose to cover all debt. XXXX did not honor, they just applied what I had paid unto bill. I will not assume a debt that has been written off and Transunion should remove this company & Transunion can not change the status of the original write off to assumed debt by portfolio. XXXX can not write it off getting credit from the government for bad debt. They can not sell off zero balances. I will join a class action filing if this is not remedied.
On XX/XX/XXXX, I applied for a line of credit with XXXX. I was denied based on an experian report that showed i had a credit score of XXXX and that there was an open collection on my account. 

I have been tracking my credit score and report for over the past year and I do not have an open collection and my score is over 730. 

I have tried contacting experian to resolve but can not get connected to a person. The phone system keeps me inside a loop no matter what extension I press. I have included a 3 in 1 report i pulled today XX/XX/19 it clearly shows no collections and a credit score above 730
I have been receiving frequent calls on my job from Capital One and I have ask them politely not to call my job because I can get in trouble but they continue to repeatedly harass me. They have my personal number they can leave message on my phone but do not call my job it interferes with my work.
On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX XXXX from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal. I do not and I have never had a contract with this company. I am not liable for this collection.
Suntrust bank has restricted access to funds we entrusted to them through our business account. Bank personnel have refused to issue and honor official checks, blocked wire transfers and all other forms of debit, despite sufficient funds being available in the account. The bank personnel have provided no explanation for this action
I applied for a home loan with NACA located in XXXX Ma. I was approved for a mortgage for 90 days and wanted put an offer on a house. My mortgage rep left XXXX XXXX, and I could not get another appointment until after my 90 was up on XXXX/XXXX/XXXX. I was called right before XXXX/XXXX/XXXX and told my new consultant left and my appointment was moved to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, the secretary tried to bump me from my XXXX/XXXX/XXXX appointment for another customer. I told the secretary I would be there XXXX/XXXX/XXXX @ XXXX. I went the appointment XXXX and met the office manager XXXX XXXX in the XXXX office. I was told my file was reopened. I submitted all of the paperwork for the loan on XXXX/XXXX/XXXX, my credit was rerun and my membership due paid again. I was told the process would be easy because I had been approved prior. I was also told I would heard back in 7-10 business day with the amount I was approved for. I have not hear back as of today XXXX/XXXX/XXXX. I called the XXXX office, the XXXX office, and customer service with no follow up by mail, email, or by phone on the company 's as to the status of my loan approved amount until last week. I was told my file was never reopened even after the 2 hour appointment with the office manager. I have all of the submitted paperwork. I keep emailing and no one is assisting me. This process not only caused me to loose the house I really wanted, but more importantly, the interest increased one full percentage point, that will cost me hundreds of dollars over a 30 year mortgage loan. I need your assistance.
This account has been on my credit report and It is not mine. I have never done business with this company and I would like this account deleted from my credit report. I tried to contact the credit bureau to review my account and have the account deleted and they returned the account as verified and didn't provide me with any details as to how this account is owed by me. I am requested original documentation for this account to prove that it is mine or have the account permanently deleted from my credit report.
Central Portfolio Concern, based out of XXXX, has called my wife and I several times regarding a debt that we are not acknowledging as accurate as we have no record of it from XXXX. We have asked several times, on what they say is a recorded line, that we are not acknowledging the debt but need a mailed statement. They have verified our mailing address several times as well as email and assured us multiple times that we would receive some sort of letter in the mail or by email. It has been going on for almost 2 months and we have not received any written documentation or email regarding this attempt to collect. They have been rude and accused me of being rude when all I want is information about the alleged debt. We have been checking the mail incessantly as we are trying to purchase a home and are concerned this will affect our credit.
In XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to M & T Bank. Because I was in bankruptcy, to protect my home from illegal foreclosure from XXXX, it was sold as a bad debt, therefore XXXX XXXX XXXX serviced the loan for M & T. I only had 4yrs left on the mortgage. My Chpt XXXX bankruptcy was dismissed in XX/XX/XXXX. 

They are absolutely horrible. The mortgage payments that I have paid since XXXX have been wiped from my account. They were never applied to my loan/account therefore M & T thinks I haven't made a payment in 4 years. Therefore they are starting foreclosure proceedings. 

I have spoke to M & T bank but they don't have my file and can't see any history on me and said that I have to deal with XXXX. I opened an investigation on XX/XX/XXXX with XXXX 's escalation dept and provided them and their attorney proof of payments since XXXX. XXXX XXXX the escalations supervisor assigned my file to XXXX XXXX but left the company within 24hrs of being assigned my case. 

It has now been transferred to XXXX XXXX, who said, yes I have your file but haven't gotten around to reviewing it yet. So you will have to wait until I look at it. Apparently XXXX has given him until XX/XX/XXXX to complete his investigation. 

However, M & T isn't being updated on any of this and they are coming after me. What concerns me is that they returned my XXXX payment back to me because it's in foreclosure and they won't accept anymore payments until this is resolved which will force the loan to go further in arrears. XXXX XXXX is the attorney for XXXX. 

I have never received a mortgage statement from M & T nor XXXX so I would know where I stand with my mortgage. I believe the mortgage has been paid off by now but who knows. Also my XXXX statements for 4 years have never shown payments nor reduction of principal. My accountant has had to file for a transcript to explain it and I have been battling with them since the start to get a handle of this loan. 

XXXX XXXX said - it looks like it has been wiped out of your account. 

If you look on the Consumer Affairs website - there are over 200 complaints on each party. I have already spent 10 years recovering from the illegal practices of XXXX XXXX XXXX and now am going through it again with M & T bank & XXXX. 

These practices need to end. I'm at risk to lose my home ... ... .again. 

XXXX XXXX
call 4-5 times a day! 
XX/XX/XXXX@XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the number
XXXX XXXX XXXX made unauthorized debits from bank account from XXXX XXXX to XXXX XXXX for a total amount of {$31000.00}. The bank was notified and requested immediate investigation and action, to stop this company to withdraw/debit money from account, and immediately close account and associated debit card. XXXX XXXX XXXX company was notified of the unauthorized multiple debits from bank account and to stop withdrawing money from this account ; and to refund immediately the total amount of {$31000.00} for unauthorized debits to bank account performed by this company.
I sent a letter to transunion requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.
Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken especially with regard to the credit inquires. A proper investigation has yet to take place if this complaint is closed without proper action being taken by your company I will seek legal means to take action against your company through the judicial process. I have attached a police report verifying that I have had numerous accounts that had been opened fraudulently while serving in the XXXX XXXX. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable {$2500.00} per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. 
First I want to address the Current Address my current address is and has been for 6 years : XXXX SC XXXX I have never resided at : XXXX SC XXXX I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA. The accounts and inquires that need to be removed are as follows : XXXX XXXX Account # : XXXX Condition : Closed Balance : {$4400.00} Type : Credit Card Pay Status : Late 90 Days XXXX XXXX Account # : XXXX Condition : Closed Balance : {$3600.00} Type : Credit Card Pay Status : Late 120 Days XXXX Account # : XXXX Condition : Derogatory Balance : {$0.00} Type : Pay Status : Collection/Chargeoff INQUIRIES : XXXX ATTACHED IS THE POLICE REPORT
Issues where payments would not pull out of my bank account causing late fees. Also was not offered a income contingent plan. When I expressed interest in one the plan was more then my current payments.
I had ordered my credit report and noticed that there is a eviction on my record on a address that I never lived at and the address in question is XXXX XXXX XXXX XXXX XXXX.Please delete negative item off my report
I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit files.        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
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For the past year, Navient, who purchased my XXXX XXXX XXXX from XXXX XXXX, has been applying my entire loan payment, or very high percentages of my payments to interest only. For the past year, I have either paid my loan early, or on time. Most recently, there was an over payment on the account. Navient told me I owed {$120.00} for the month. I instead paid {$290.00} and Navient applied {$43.00} to my principal and {$240.00} to interest. There have been no late payments on the account, so there is no reason why they are taking this much toward the interest payment. I have called several times, and each time, I get a different story. Please help me. I do n't know where else to turn.
Reverse Mortgage Solutions, Inc. 's ( RMS ' ) foreclosure of a XXXX citizen 's home in Maryland was temporarily averted this past week. A short sale contract at full appraisal ( i.e. RMS appraisal ) was received but rejected by RMS and its greedy investors who choose to remain anonymous. We understand that the DOJ recently fined RMS and its parent entity XXXX for fraud, and it seems that they should be investigated for other improper reverse mortgage activities. 
Further, HUD should do a thorough audit of this account as it was previously handled by XXXX XXXX and XXXX XXXX XXXX, whose overcharges and statement discrepancies were noticed by the elderly owner of the property in question. The XXXX homeowner wanted to take legal action against the bank but was very frightened by unannounced visits and calls by intimidating, rude bank representatives. It is so sad that American taxpayers bailed out the banks so that they could torture and swindle XXXX U.S. Citizens.
I have a mortgage with Penny Mac. My husband lost his job. We requested a hardship loan modification over three months ago. They stated that they are processing it. We are worried because we are not hearing anything from them. XXXX They are still taking the payment out of my account, yet they are reporting us late on our credit file. I do n't know where else to turn. Can you please help us
ECMC Which I have never taken a loan from are historically and repeatedly destroying my credit report after being paid in full years ago. My Original student loans were from XXXX XXXX and then sold or transferred to XXXX different collection company 's ECMC being XXXX of the company 's involved. I paid all student loans off and after being paid ECMC appeared on my credit report. I have tried to contact them and ask for an original contract to show that I had a loan through the company. I never received any response. I disputed this with the XXXX credit reporting agencies and it was deleted from my XXXX file for lack of proof 2 years ago and last month ECMC decided to change all the open dates and amounts to look like a new account and re reported to the collection agencies. It is very difficult for me to get any information from this company about the accounts in question and I would like them deleted from my credit reports immediately.
I filed a complaint with the CFPB to get validation for XXXXXXXX XXXX. The company stated that they were unable to validate my account. see attachment