WillisBack/dataset-financial-user-claim huggingface dataset:
I lost my job in XX/XX/XXXX. For part of this time I was drawing unemployment, for part of the time I was doing some self employment work. I discussed this with the lender and asked about payment based repayment. I was told that since I was unemployed I was not eligible and that I needed another forbearance. During the summer of XX/XX/XXXX, I became very depressed due to my inability to find a job and worsening complications for XXXX and pain issues. When my forbearance was over, I was told that I no longer had a forbearance to use. This was approximately XX/XX/XXXX. My medical conditions had continued to worsen and I had XXXX on my XXXX. I went into treatment in XX/XX/XXXX for 28 days. While I was in treatment, I started getting late notices and the loan went into default. I continued to speak with the servicer about my options. I could have qualified for a income based repayment plan but again was told I was unable to go on that plan because I was not working ( I was still doing some part time self employment ) I was not eligible for income based repayment schedule. In the fall of XXXX I had continued failing health and applied for Social Security XXXX. My loan continued in default and I was told that I did not qualify for a XXXX discharge because my XXXX was not approved by SS. At some point this in XX/XX/XXXX or XX/XX/XXXX I was told I complete a special program and get my loans out of default by making 9 {$200.00} payments and that my credit history would be erased. I was advised that after that I could go into an income driven repayment. 
I struggled to make those payments and completed the program. I was eventually awarded XXXX with an onset date of XX/XX/XXXX. My income driven repayment has been {$0.00} until I qualified for a XXXX discharge. 

This misinformation has cost me in several ways. My credit has reflected multiple months of XXXX months of late payments. This has made it virtually impossible to get a loan, causes me to pay higher auto and homeowners insurance, made my credit score drop into the low XXXX and, if offered credit, it has been at ridiculously high rates. It has caused my balance to balloon. Had I been told I could apply for income driven repayment I would be 8 years ahead on total discharge. If I had been told about a medical discharge based on doctors affidavits, my XXXX onset of XX/XX/XXXX would have XXXX the loan almost 4 years ago. Finally, the misinformation forced me to pay {$1800.00} unnecessarily to get my loan out of default. 

I have filed requests through the credit bureaus 4, or more, times and they have thus far refused.
I signed up for Experian credit report in XX/XX/XXXX and paid the XXXX $ trial fee. I then on XX/XX/XXXX canceled my account. However, though it shows account is closed on the Experian dashboard and I have an email showing this, I was charged XX/XX/XXXX for another monthly fee of XXXX $ Due to this I was also overdrafted from my bank and charged a XXXX $ overdraft fee. 

I have tried to call all of their numbers and can not connect to anyone to dispute this or ensure the account is closed. I would like to report Experian for Fraud on my account of charging me this monthly fee after having closed the account over a month ago.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX  THIS IS IN RESPONSE TO CFPB:XXXX TODAYS DATE:XX/XX/XXXX I HAVE NEVER RECIEVED A RESPONSE INTOTHIS INVESTIGATION DATE BACK TOXX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I received a promotion email from Wells Fargo on Tue, XXXX XXXX, 2017. In summary, the promotion is, spend {$10.00} on the App Store or XXXX using my Wells Fargo credit or debit card and earn a {$10.00} statement credit. <P/>I enrolled the promotion and spent eligible purchase but have not received the {$10.00} statement credit. I contacted Wells Fargo directly but received only generic and template emails. <P/>Wells Fargo stated that I did enroll successfully but my purchase has not met their requirement. In order to receive the statement credit, I need to purchase with XXXX devices. <P/>However, there is no statement of the XXXX device on the fine prints explaining the promotion. I 've attached the email and secure messages between Wells Fargo and me. <P/>I sent the promotion email that I received from Wells Fargo as a proof/evidence but they did not even read my email and replied back to me with template email.
I have recently over paid an outstanding balance on my PNC credit card account and now have a {$1000.00} credit balance. I have contacted them on more than one occasion requesting that they send me a check for the credit balance and they have been giving me the run around for the last 20 days. I initiated the request on XX/XX/2018 and was told that I would receive the check within 7 - 10 business days. When I called back to inquire, I get apologies and no commitment or promise to send me my credit balance. I have called on more than 3 occasions, can I get help with the issue? This is unacceptable, I have outstanding credit and want my money back ASAP.
We are negotiating to purchase a property in XXXX New Hampshire, USA. We live in XXXX, XXXX XXXX. Lender is HSBC International. With two weeks to go before closing, HSBC says the underwriter needs repairs performed on the home before they will close and transfer title. The seller, XXXX/XXXX says the house is being sold " as is '' ( Bank Owned, Foreclosure ) and will not allow repairs to take place prior to closing. Neither side will budge. HSBC gives us no time to secure alternative financing and we risk loosing this home and our deposit of {$5000.00}. We provided everything they asked for in a timely manner but HSBC has dragged their feet, not answering or returning phone calls or emails in a timely manner. We offered to HSBC for us to put funds for said repairs into escrow allowing them to be confident that said repairs would take place after closing but they refused this offer. We feel we have been deceived as we have been pre approved for the mortgage, are putting 30 % down and putting {$10000.00} into a HSBC bank account for the life of the loan. The value of the home as it sits is far greater than the amount we are borrowing. XXXX pre approved for {$70000.00}, financing circa {$55000.00} ) We are devastated that we and everyone involved have put so much time and effort into this transaction only for it to fall apart at the eleventh hour. We have escalated this with HSBC asking a manager to take our case back to the underwriters but feel that HSBC does not have a sense of urgency and are giving us the brush off. This is not the " World Class Service '' that HSBC advertises. This is an XXXX, we have fell in love with, and do n't want to loose it.
An automated caller keeps calling my cell phone and my work number saying I must call back today about " sealed documents. '' When I called back today, XXXX XXXX said he was from Concord Resolution and said I needed to speak about " sealed documents. '' He would n't give me information in regards to what the debt was nor would he send me the proper paperwork about this so-called debt. He also said there were XXXX numbers on file for me!!!!!
In XX/XX/2018 my loan was paid off to wear lake financial my insurance paid almost XXXX wich was a total loss now west lake financial is arguing that I still owe XXXX because gap didn't paid all paper work including copy of gap insurance and claim number was provided by friendly XXXX where I bought my truck well today I tried to take a car out and is says on the credit that is a charge off well I found out that is a repo and that supposedly I signed a waiver for a gap I as mr XXXX for a copy of the paper and he just simply said il transfer you to someone else so you can tell them whatever you want! So I get transferred and I've been and the lady told me that I was calling the wrong number gave me another number and she said I do have gap insurance and transfer me to another number wich I was on hold for 30 minutes and nobody answer what can i do?????????? I can provide with all the paper work and copy of friendly XXXX contract where it says it was paid off
I pay my capitalone account twice a month over the amount due billed monthly. The statement states by due date is the XXXX each month. They keep charging me late fees for paying BEFORE the XXXX and stubbornly tell me I can't pay my bill early or I'll get charged late fees of which they will not remove.
I have an unauthorized inquiry from AMEX twice from two datesXX/XX/XXXX/XX/XX/XXXX. I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company from a letter. This is my formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed.
RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and  XXXX XXXX XXXX  XXXX ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX   XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, XXXX XXXX
i took out mbna bank of america credit card they froze my account for 6 months refused replacement card for a year and demand minimum payments monthly i tried to pay them in full for 6 months now i cant consolidate the company has put me in loads of debt mbna bank of america
XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX Incorrect dates!!!!!
Had my first mortgage with Nationstar XXXX. I refinanced my home second and first into XXXX new loan with a new company. Nationstar would not send me my refund of my escrow payments. I contacted them 9 times, each time I was told the " checks been sent '' and " we can reassure you the check has been mailed. '' They escalated my refund up to a supervisor three times and I still had to call regarding my refund check. Today was call # XXXX and again was " reassured the check has been sent via overnight by XXXX ''. Absolutely ridiculous company to work with and completely inefficient customer service and supervisors.
Under the new law effective XXXX 1,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( XXXX, XXXX, Transuion ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
XXXX XXXX XXXX XXXX sold my information to High Desert Creditors Services I sent a verification of debt for the High Desert Creditors Services to provide me with a contract where I contracted with High Desert Creditors Services they responded to me onXX/XX/2016 where they stated that was a verification of the debt just to be clear a verification of debt has to be sent by the original creditor and it also has to have my wet ink signature the letter that was sent to me there is no wet ink signature where I contracted with the original creditor with that being said
I recently purchased a home through XXXX XXXX XXXX XXXX. The closing process was rocky as paperwork was continually misplaced and things did not quite go as intended. Despite all of that closing happened on XX/XX/XXXX. In mid XX/XX/XXXX one of my family vehicles was totaled in an accident. I wen to go apply for an auto loan and it was brought to my attention that my credit report showed double the real estate debt than I should have. I immediately contacted my mortgage company who initially told me this was impossible. Upon further inspection they realized that during the process of transferring my loan from one office to another they had opened a duplicate loan. They have turned me in circles trying to resolve the issue and refuse to offer any sort of compensation. The error has prevented me from buying a vehicle as no bank will offer me a loan when my real estate debt is listed as a false XXXX on XXXX income. This has caused me to have major expenses for a rental car and I see no resolution in sight.
I 'm being told I owe {$500.00} or more to this FBCS agency for debt for XXXX Bank in XXXX, TN. I belive I have paid this off already and they are saying no I have n't.
XXXX XXXX is collecting debt and have put a ding in my credit score. The terms are incorrect, there is no debt to begin with, there shouldn't be any debt collection. XXXX XXXX would not remove the debt from the credit report. The Original debt is from XXXX and have verified with XXXX there is no debt ( see attachment ). As a XXXX XXXX, a phone line is $ XXXX  month
I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take 72hrs. Today is Wednesday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. I have contacted Ally and they keep telling me to wait but it has been more than their allotted time frame and I really need this document. When I request the letter to be sent overnight by XXXX they ask me to pay for it. Why should I pay for something that they are already late for it? Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank again.
The only way to protect myself after the XXXX breach is to place a credit freeze. It is absurd that the XXXX major credit reporting agencies are allowed to charge money to initiate these freezes. There is no way to opt out of their data collection, they obviously can not keep that data secure, and they want me to pay my hard earned paycheck to each time I need to freeze ( and each time to unfreeze ) my information.
it is portfolio recovery. I have asked them to stop calling me and the calls continue and the debt has not been proven to me at all.
Nationstar Mortgage claims we owe 2 months payment. The problem is we have been in bankruptcy for the past 5 years. We were supposed to have been discharged in  XXXX . Then Nationstar comes back and says we owe 2 months and yet we have satisfied all payments to the trustee of Ch.  XXXX . I have continuously provided Nationstar with bank statements through my bankruptcy attorney and yet they do n't seem to find the payments. To begin with I have never missed a payment to  XXXX   XXXX   XXXX  who first held our mortgages, then now to Nationstar. The reason we got into bankruptcy because we fell behind in our mortgage payment. Now we have satisfied the requirements for discharge, then Nationstar comes along and says we owe two months of this year- XXXX  and  XXXX . I called them on    XXXX  -2017  and spoke to  XXXX , he told me I was up to date in my payments and he did n't know was going on, and he was going to submit an inquiry into the matter. He went on say that it would take a week, but we never heard from him or them again. Since then  XXXX   XXXX  from the bankruptcy attorney has been communicating with Nationstar attorney  XXXX   XXXX . Then on  XXXX  -2017,   XXXX  sends me text saying Nationstar received  XXXX  's payment and that they will apply it to  XXXX  's. I called on  XXXX  -2017 to    XXXX  and spoked to  XXXX  in the bankruptcy department, and claims that the default in payments goes back to when  XXXX   XXXX   XXXX  had the mortgage during the initial stages of our bankruptcy. That is not possible, as we had taken care of that problem about  2  to 3 years ago, and yet they are bringing up matters that have already been resolved. I am trying to get  discharged s o that I can refinance my home and get my title to my truck and move on with our lives, but that does n't seem to be the case with Nationstar. I have prove from Nationstar sent us a letter that  Pre-Petition Default P ayments have been paid in full to cure the default, contradicting  XXXX  's assertion that we still owe. Please help us with this dilemma, I will provide with whatever documentation is required and also they keep on raising my escrow payment and yet we never see a dime of any money that is left over from after them paying the taxes on our house.
Equifax will not freeze my file and does not answer phone, you receive automated message and then get disconnected, the webpage does not work, I have serious concerns and I still do not know of my SS # was part of the breach ... 

Equifax has not replied to any of my requests
I deposited a check for {$1900.00} on XXXX XXXX, 2016. On XXXX XXXX, I was told clearly by XXXX, a teller at Bank of America at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, XXXX that the check had " no hold '' and cash was available. I told her that this was related to an online ad, and I had to know for sure that the check had cleared and was definitely legitimate. I asked her a second time, is the money definitely and permanently in my account so I could proceed, and she said yes. However, on XXXX XXXX, the {$1900.00} was taken out of my account. Apparently Bank of America did not follow the right procedure for clearing the check, and then took money away from my account that was definitely mine. Based on an XXXX XXXX conversation with the branch manager, XXXX XXXX, the branch did not violate OCC guidelines regarding clear communications with customers in explaining the difference between funds available and a check being verified. They had followed those guidelines. Instead, Bank of America 's corporate office had erroneous information in the database about the check being cleared. The branch reported that the check was definitely cleared because that was the information they had.
I have contacted Transunion to get these hard inquiries removed off of my account. I am a victim of identity theft and the companies is suppose to call me before they run my credit and it causes me to get a hard inquire. They refuse to remove them and I want them done. 

The hard inquiries are XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XXXX XX/XX/2016.and XXXX XX/XX/2016
I am stunt by tjx credit card arrogance lieing I am trying to pay off this card and close this accounts because they are XXXX OFF and I told them many times that there are charges that its not mine they are from XXXX XXXX not only they didnt do anything they just keep repeatedly sending statement and bunchs credits for XXXX cents and XXXX cents And they made a business of charging 2 late fee for {$35.00} and interests for {$20.00} I am very disgusted that my son sacrificeing his life for garbage like u
I applied for an amazon credit card through chase bank on  XXXX   XXXX  of  2017 . I was told I would be hearing back shortly. I then received a letter from synchrony bank saying they could approve me for a store card at amazon. I am only  XXXX  and did not realize the difference at first so I now have a store card to amazon through synchrony. However in order to get my card I had to call them and just go over my information with them. I did this on  XXXX   XXXX . I then checked m y credit score and  it was lowered because synchrony hit me with  XXXX  hard inquiries,  XXXX  on  XXXX   XXXX  and  XXXX  on  XXXX   XXXX . They should not have hit me  XXXX .
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA COLLECTIONS COMPANY has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
I declared Chapter XXXX Bankruptcy in XX/XX/2011 Case Number XXXX and the disposition was XX/XX/2011. However, on my credit report it shows my two mortgages XXXX and XXXX discharged in the Bankruptcy as discharged. I have been paying on these two loans every month since the Bankruptcy. Please see attached mortgage interest statements for both mortgages. This is affecting my credit in a negative was. I feel this is incorrect and unfair.
after talking on the phone with this agency, their practices were very unprofessional. ive read several complaints about them on the web.
The phone number that they have been contact is either forward to my place of employment or to my older daughter 's phone during the week. On XXXXXX/XX/XXXX when my daughter answered the phone a lady started speaking XXXX and then switched to XXXX and asked for myself. My daughter informed her I was not home the lady then continues to leave a message and said that she was CDA and she was a debt collector on a recorded line and my daughter confirmed with her the phone number and reason why she was calling my daughter also made XXXX aware that she was not myself and that it was against the law to disclose to another person outside the debtor themselves XXXX did not care They have also called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXXat XXXX and revealed they where debt collectors but my daughter did not take a message either of those times
I 've sent 2 dispute letters to Experian. One on XXXX/XXXX/2016 the other a copy of the same dispute on XXXX/XXXX/2016 and now a third on XXXX/XXXX/2016. Since my first request ( over 260 days ago ) I have yet to see any investigation of any of my accounts in error or in question.