WillisBack/dataset-financial-user-claim huggingface dataset:
My brother XXXX XXXX in XX/XX/XXXX and had a existing mortgage in good standing with US Bank. We have continued to make the mortgage payments and home owners insurance. Under the provisions of his will my brother and I are to inherit his house and we also have title to the house. I am the executor of his will and as such notified US Bank of his XXXX and US Bank was sent a certified copy of XXXX certificate and the small claim probate from the court on XX/XX/XXXX. At that time I requested that my brother and I be added to the loan as obligators without triggering the ability to pay rule. On XX/XX/XXXX I received from US Bank a letter stating that they recognized me as the executor. Also on XX/XX/XXXX we received complete loan packet to fill out as a new loan. I consulted my attorney and he stated that the Dodd Frank law inheriting a home was still in effect. He sent a letter to US Bank on XX/XX/XXXX stating to them that my brother and I can be added to the loan. His office received no response from US Bank. On XX/XX/XXXX I sent a highlighted copy of the law on inheriting a home to US Bank loan assumption dept. Received no response. XX/XX/XXXX I called the loan assumption dept and stated our concerns about being added to the loan without triggering the ability pay rule, US Bank stated that they did not have to honor the provisions of the Dodd Frank rule on inheriting a home and that we would have to do a  complete loan packet.
I received a phone call telling me that a Western Union transfer I had made in XXXX 2013 had not been collected and requesting personal information for ID verification to initiate a refund. I refused to give any personal information and contacted Western Union via their web site to see if this was genuine or a scam. Western Union confirmed it was genuine and said a refund would be made within XXXX hours. 
After XXXX online chat sessions and XXXX written communications over a XXXX week period each XXXX promising a resolution in between XXXX hours and XXXX week, I have still not received a refund.
After rehabilitating my loans I was again working with Navient directly. When I called them to express financial difficulties at the time they gave me information on deferment. I submitted the paperwork and am still currently on deferment however I did not k ow there were other options for me on my loan and tht never provided alternatives.
Outcome : I have a debt in my business name. All of the collection letters have been sent to my business. The collection company reported the debt to the XXXX reporting bureaus while I was refinancing my mortgage. My credit score dropped from XXXX to XXXX, costing me an additional {$10000.00} to close the loan. 


Details : I disputed the information with the XXXX credit bureaus. After a reported investigation, the credit bureaus notified me that information reported was validated by the collection agency. I closed on my loan and received a written letter from the collection agency that " they made a mistake '' and the debt did not personally belong to me. However, as indicated under the outcome, the erroneous reporting of the business debt to my personal credit report resulted in {$10000.00} plus in additional out of pocket expenses to close my loan.
I have tried many times to get assistance or have some of my debt forgiven as I have had financial hardship. At one point they told me I qualified but it only changed my payment by {$0.00}. Yes XXXX cent! With that I have had to defer my loans for years causing the interest to now almost double what I owe. How is one supposed to get the balance ( loan ) paid down when you ca n't even afford the " payment arrangements '' they qualify you for?
Keep getting alerts that my Barclays account is 60 days past due this account was paid in XX/XX/2016 through XXXX XXXX XXXX on my behalf to XXXX XXXX XXXX XXXX on Barclays behalf. I have sent in these letters to the parties several times. The reporting amount is not was was owed. It has been changed to {$0.00} but every month I get an alert that I 'm 60 days past due.
I had a checking account with this bank that was closed and brought to a XXXX   balance before it was closed. Theyre reporting it as a charge off on my credit report, not only that but they fraudulently ran my credit without any authorization for any type of loan or extension of credit. I wasnt even living in a state they do business in at the time! I tried to get answers and all I got was the run around from them and no one could seem to answer my questions.
Re : Unauthorized Credit Inquiry I recently received a copy of my XXXX, XXXX  and Experian credit report. The credit report showed a credit inquiry by XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank to inquire about closing my auto insurance, savings and checking accounts. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have decided to close all of my accounts with this institution next month after i acquire a new auto policy with XXXX. I have already closed the savings account and will be closing the checking account via phone as well.
I have a freeze on all of my reports. A company XXXX XXXX XXXX pulled my credit report by saying it was FRAUD ACTIVITY on my account. Per I do have an account with this company and this is not the first time they have tried to pulled my report. I do not understand why you need to constantly pull a credit report if someone already has a account. 

So In order to pull my report they had to state that I was doing something Fraudulent. I called to ask them what was I doing Fraudulent and each time the disconnected the phone call, three times. I need this inquiry deleted from my report. I have contacted XXXX and they are insisting that I get a letter from this company and the company will not even speak to me. This report was done in FRAUD. I will be also getting a police report. 

Thank you
Hello, On XXXX/XXXX/XXXX, I requested a free quote from Rise for a personal loan thru their website. I provided my information but did not know a hard credit check would be needed in order to obtain a free quote. I was notified by XXXX that Rise had requested my credit report. I called into Rise Customer Service and informed them I did not know that I would recieve a hard check on my credit report since a soft check is normally the process for a quote. I then emailed Rise Customer Support and informed them to disreagrd my pending application and to remove the inquiry on my credit report since I did not approve this request. I have not heard from them. 

Please advise Rise to remove this hard check from my credit report and remove this pending application.
I am writing to see what help I can get for my clients. Wells Fargo has been absolutely horrible, dragging their feet with a looming Foreclosure date. The day after we asked for our Modification to be reviewed again because we had a change for the better in the clients situation, we were informed of the foreclosure date. We have worked diligently to supply documents to Wells Fargo and were informed it is fax only. We can prove that every fax was received and Wells claims to not have received them. I have been given 4 different fax numbers with agents all claiming that the fax numbers are wrong and only theirs is correct. Supervisors give us the same run around as well. I am 17 days from the sale date and they continue to drag their feet with no help. Can someone please help us ASAP? We have complied with Wells Fargo on every condition and they keep stalling. We need help today. Any assistance would be greatly appreciated.
I lost my job while I was in college and stopped paying on my Wells Fargo Credit Card. Once I found a stable job I called them to set up a payment arrangement that would end in the derogatory account being deleted from my credit report. I did this same process with another company that also agreed to delete the account but didnt. So, I set up this payment arrangement and paid for 6 months, Fast forward 4 months to now, they have acknowledged that I owe no more money on this debt, however it is still reflected on my Credit Report. It is super frustrating that months later after they took my money that they have drug their feet on rectifying the situation on my end. I am very unhappy since it was me who initiated this agreement only for it to not be honored on their end.
Lakeview Loan Servicing assumed servicing for my mortgage from XXXX XXXX  in XX/XX/2018. Since that time I have been dealing with both incompetence and frivolous fee billing with this organization. XX/XX/2018 I was given an amount that would pay my loan down so the PMI would be taken off. However, the calculations were incorrect so I had to wait several more months before the PMI was lifted. Recently I had a problem using their online payment system in that they did not bill the bank account number I had been typing in and using over the past 9 months. When I noticed the payment I submitted on XX/XX/XXXX had not cleared my bank account, I called in XX/XX/XXXX to inquire as to why. It appeared that a digit had been dropped from their transaction so they were trying to debit an incorrect bank account number. The support rep on XX/XX/XXXX stated that we would have to let the prior payment fail, and input another that would clear. I had asked her to correct the number so the original payment would clear, but she stated the process she described would not result in any charges. 
On XX/XX/XXXX I received a letter stating they were charging me for a fee for 'non sufficient funds '. Upon receipt I spoke with XXXX who stated that the XX/XX/XXXX call would need to be pulled to verify the issue. I requested that to happen but never heard back from the company. I notice that my next payment shows the fee added.
Upon the sale of my home, I received letters from LTD Financial Limited Partnership months later stating that I owed a past due balance from XXXX XXXX XXXX. I have been trying to confirm that the debt is legitimate and that XXXX XXXX XXXX has an outstanding amount that was n't paid and if unpaid, that unpaid debt has been legally forwarded to LTD Financial Services Limited Partnership.

LTD Financial has not shown proof that this debt is owed.

Finally, LTD Financial continues to harass me with XXXX time per day to collect the debt.
XXXX XXXX XXXX pull out my TransUnion credit report without my permission.
Received a letter in the mail stating an account was closed due to non payment and sent to collections. Pulled my credit report for information. This has affected my credit score. I am not sure if I opened this account. I do know I have perfect credit and all my cards have a XXXX balance. my only debt is my home. 
The report shows Chase card activity on XX/XX/2017. the report also shows an added address that is not mine on XX/XX/2017. the charges are not mine, and the account was written off, with a negative mark on MY credit. Called Chase to file a complaint and was told they would take up to 30 days to check this. I asked for a confirmation number, they said there is not one. I want to be sure this is taken off my credit report immediately. Thank you.
I have pulled my credit reports and there are debts listed by the collection agency Senex Services Corp. I have not received any documentation from the company notifying me of the debt or the right to dispute.
Checked my credit report to find Diversified Consultants trying to collect on some old wireless phone bill. Consumer was never notified about this account ; just placed on my credit report willy nilly. I do not owe this company anything, and how is it that a debt collector can just place inaccurate information on credit reports.
While XXXX in XXXX I found out that my car loan was sent to debt collection for late payments over 90 days. The vehicle was paid every month. The company states no payment for the last year and charged off as bed debt. Purchased in XXXX XXXX XXXX in XXXX of 2012 through XXXX XXXX XXXX in XXXX, OK. Paid as agreed every two weeks. Amount was automatically paid out of our bank account with no issues. I was notified by TD auto Finance after calling in to add money to the principal that the account ( # XXXX ) was not paid for a year and has been charged off as bad debt. I have proof that the money was being taken from the bank account, and am a loss as to what happened to a years worth of payments. I have received nothing in the mail to inform us of late payment or that the vehicle was charged off until requesting more information on my end. After asking to speak to a supervisor I was sent to voice mail box for the manager of XXXX and XXXX.
On X/XX/2017 Portfolio Recovery Services signed for a certified letter ( see attached ) that I sent requesting " validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' I have yet to receive any evidence showing that the debit is valid and belongs to me. <P/>They did mark my credit report with a status of " disputed ''.
We have half a dozen accounts with our local XXXX XXXX branch. 

We recently received a notice regarding our 10 year-old son 's account ( XXXX XXXX ),  saying that the account was closed. His balance of almost {$800.00} was shown as {$0.00} on the statement saying the account was closed. 

After some investigation we learned that the State of Michigan had absconded with the savings account of our son. When we asked the bank about it, they said that the account was taken by the State of Michigan as " escheated '' funds. 

I now know that this applies to dormant accounts ; however, we were never notified that the account was in jeopardy by our bank. Worse yet, we are in that bank at least monthly to manage something on one of active accounts. We are not hard to find, and we are most certainly active with the bank.

My name is on the account because my son is a minor, and I have other active accounts with the bank. Still, the system and/or XXXX XXXX allowed the state of Michigan to take my son 's money. XXXX XXXX told us that they sometimes inform their customers that this is pending, but that our account didn't meet the threshold to make the list to be notified?!? When we asked why we didn't make the list to be notified, we got no response. 

No effort was made to contact us - the money just disappeared. I'm now told that it will take a minimum of ( 120 ) days to get the money back.

This situation is so far beyond absurd, that I need help ... 

Sincerely, XXXX XXXX XXXX, Michigan
I ha ve 4 ha rd inquiries on my credit report that I have been done without my con sent. 2 from    XXXX   IL credit union date d    XXXX   XXXX   XXXX   , 1  from     XXXX   XXXX   dated    XXXX   XXXX   XXXX   and 1 f rom  XXXX   XXXX  dated    XXXX   XXXX
I am opted-out of overdraft protection with my checking account at Wells Fargo. Even after making it clear that I do not want them to allow charges that would negatively affect my account, they have allowed these transactions to go through. This past week, they authorized a paypal transaction that put my account into the negative. Had they denied the charge, as they are supposed to, it would have automatically been tied to the credit card I have set up through paypal. I was not expecting this to come out of my bank account at all. I noticed the mistake and called and complained. They said they would return the {$35.00}. There was already another pending OD charge at the time I called, but it did n't show up until the next day. Because of the inital unauthorized purchase, XXXX additional purchases were overdrafted. I suspected that they would charge me again and deposited money to cover these. Per their ATM policies, these should not have caused an overdraft fee even I had opted in because I made the deposit before the charges were " posted '' and ATM deposits are " immediately available ''. They posted the charge before posting my deposit. I now have {$70.00} in fees, even though I have a positive account balance and no overdraft authorization on my account. When I called to complain again, I was told that they will not return the money and that " their policy '' authorizes them to allow charges at their discretion. However, their policy online, as well as the Federal Reserve Board 's ruling, say differently.
On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX, Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. Subsequent to the purchase I received a letter ( copy  attached ) from XXXX stating they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid My current FICO score from XXXX XXXX XXXX, which uses data directly from XXXX, is XXXX. I have never heard of XXXX as a company dealing in FICO scores and am not sure why anyone would use their service. They can only be contacted via email and require hard copy documentation of an individual 's Social Security number, birth certificate, and driver 's license.I am not about to provide that critical information to a company, which I 've never heard of, just to contact them for resolution. I do not believe XXXX is providing accurate information to potential lenders and they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. Since I was able to complete my transaction without any adverse consequences, I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. I think CFPB needs to be aware of this company. They need to be reviewed as to their business practices.
XXXX- representing an affidavit from XXXX XXXX XXXX Said that I since I refuse to pay they will send to my XXXX for an arrest warrant.
Oxford Law Group LLC has been harrassing me and my family. I was contacted by Oxford Law Group by a man who identified himself as an officer, even gave a fake badge number. I was called a looser on the phone. They told me that if i did n't pay my debt on the phone immediatley that a warrant would be issued for my arrest. Prior to yesterday, i have recieved no contact from this agencey. They aslo called my dad and my sister, identifying themselves as police officers. They told my sister that if she did n't give them my address and phone number she would be charged with a crime. They also pressured my father to pay my debt over the phone to " keep me out of jail ''
I do not recall having debt of {$59.00} with XXXXXXXX XXXX XXXX XXXX.This must be incorrect. How am i supposed to read books and do my homework, candle sticks?
Equifax continues to report outdated and obsolete information on my account.     They refuse to delete it because they state that the law reads they do not have to delete it until the information is outdated 7 years from the date of the last activity.     The law reads that the original delinquency date is the date when the account first became delinquent, or past due. Delinquencies ca n't stay on your credit report more than seven years from the original delinquency date, even if you pay your bill in full the very next month.  <P/> Credit bureaus are to REMOVE the outdated information on an account seven years after the original default date no matter who has bought the debt or when, the account has to come off your credit report.  <P/> Mr.  XXXX , I.D . #  XXXX , a supervisor at Equifax says is it from the date of the last activity. He does not know the law and Equifax should be fined for falsely misconstruing and violating the law. The law states it is from the date of the first delinquency not the date of last activity.  <P/> I want the outdated information removed from my credit report immediately.
I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX / 15 .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my  credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. T hey continue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  burea us ) state s differently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account information.
I have disputed with the credit reporting agency Experian with no help. While there are still a lot of errors on my Experian credit file I am not offered the opportunity to continue disputing the matters because they said the investigation were completed but the results remained the same so I do n't think that they invested throughly.
I was sent a solicitation by Bank of America to refinance my mortgage. I would like to do so. This would reduce my remaining 17 years to 15 years at a much lower fixed rate than my current 5.5 % mortgage. I own a full floor of a XXXX story building in XXXX originally offered as XXXX condominium units with full exclusive ownership of all adjacent common elements and we occupy it as our sole principal residence as if it were XXXX unit. It is worth approximately 8 times its value on our purchase in 1997, possibly more. Our refinance amount would be $ XXXX or thereabouts ( we do not want to borrow against any equity ). In NY state, there is a large transfer tax. However, this refinance would not be a transfer to another lender. It would just be a refinance, which BoA solicited. The fact that our floor can be used either as XXXX units or as it currently is XXXX unit, is only a positive to its value, and therefore, only lowers its risk to BoA. BoA however claims that this status ( XXXX units, XXXX of which we bought simultaneously in 1997 under condominium contract terms that make clear the optionally single use rights to the full floor ) PRECLUDES BoA refinancing for us. Whatever rule is being applied concerning the use of our real estate as XXXX units versus XXXX unit is a bogus rule, I believe, being used to obstruct us from refinancing our loan conveniently with our current lender, and to impose multiplied transactions costs on borrowers, by forcing the borrower into a complicated rigamarole, refinancing via a third party, which would entail additional agency fees. As our credit is excellent and our payment track record perfect with BoA and all prior lenders from whom BoA inherited the loan, and the property is worth about 15 times the mortgage amount, I do not understand why we the borrower should be victimized by a senseless corporate rule that has nothing to do with financial risk to the lender.
On XX/XX/XXXX i paid the 2 debts off. I asked them when will they report it to the credit agencies, they said by XXXX XXXX.I checked my credit report on XX/XX/XXXX it was still there, so i disputed it to all credit agencies and as of today XX/XX/XXXX it still shows on my credit report. I have my bank statement that show the amount paid and on their website it shows paid off. I see that they gave me false information that they will report it to all the credit agencies and when i call them they place me on long holds, then the phone call would just drop.