WillisBack/dataset-financial-user-claim huggingface dataset:
I previously submitted the following complaint : I applied for one credit card with US Bank on XXXX XXXX, XXXX. The bank ended up submitting 4 credit inquiries on my XXXX  credit report. The dates of the hard inquiries were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XXXX XXXX, I received a response from the Office of the President. I 've attached the letter. In essence, it states that the offending inquiries have been removed. However, this is not true. I ran my most recent XXXX credit report. As of XXXX/XXXX/XXXX, the following inquiries still appear on my report : XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Please remove these inquiries ASAP.
My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX my area code is still a XXXX XXXX XXXX which is simular to a XXXX area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.
On XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX proceeded to make via contact skip trace to a phone number of relative. Instead of trying to locate me the informed the individual about my debt, the amount owed and a letter they sent out which I never received. My understanding is that my debt information can not be shared with anyone who is not associated with the account and/or granted permission by me. I have not given any one permission to receive information about this account. After they disclosed confidential information regarding my account they then told the relative that it was against the law to contact the original debtor which is not true. They continued to fall harass and threatened the relative until the relative ended the call.
I just spoke with Recovery Management Services and inform them that XXXX University XXXX did receive the full payment of {$2000.00} as of XXXX XXXX, 2015 with debit / credit. They are going to check with their accounting department and follow up with you with the payment
We received letter from Chase Bank the interest rate on our Chase Slate credit card was being increased. This would be fine except the reason stated was " because your APRs are below the lowest APRs we currently offer on similar account s ''. As our lowest APR rating is XXXX I called XXXX and spoke spoke with XXXX to inquire what their lowest rate was. I was told this was just a rate increase notice my credit rating didn't matter. I want to know why they can put in writing a suggestion my credit is less than acceptable? I have worked hard to acheive a great credit rating and don't want Any adverse. Suggestion to hurt it.
XX/XX/XXXX- I received a call at work. They did not want the person who answered the phone to get me just to give me a message. 

Caller XXXX XXXX Reason : " Someone has filed a legal complaint about XXXX. I am trying to stop them from serving papers '' Called from phone # XXXX-XXXX-XXXX  but I was to call back on XXXX-XXXX-XXXX-XXXX.  I called back and he told me that I owed {$3000.00} to Fifth Third ( I have not been with them for 12-15 years and closed account on positive note ) and court cost will be an additional {$2500.00} plus the 29.9 % interest that I keep accruing and if I do not pay I will have a court order delivered to my job in 24-48 hours. I told him go for it because I do not owe Fifth Third. I asked for backup and he could not provide. Also, said he sent papers to my house which I never received. Kept threatening me with my assets said they are being investigated now. Called from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
I submitted a dispute with Equifax regarding the bankruptcy shown on my Equifax credit report. I received Equifax 's dispute result as of XX/XX/2018, confirmation # XXXX. The Equifax response was that the " Consumer 's dispute not specific '' and that Equifax used a third party vendor called XXXX to verify the bankruptcy information. Regarding the " Consumer 's dispute not specific '', this is a FALSE statement. With my dispute submission, I included a letter specifically identifying 6 different discrepancies regarding the bankruptcy along with 2 supporting documents. The most disturbing item from Equifax 's result is the fact that Equifax states they used a third-party vendor called XXXX to verify the bankruptcy. This is a major problem because I have obtained an official letter from the U.S. Bankruptcy Court that  SPECIFICALLY states that they DO NOT report ANY information to XXXX. I have uploaded the U.S. Court letter and the Equifax response from the dispute.
I did not receive any communication of this debt and if it was a true debt, did not receive the opportunity to resolve the matter. I never once receive a letter/bill to reflect what this is for. I only found out as it was reported on my credit report as a 'collection '' on XXXX XXXX. When I called FBCS on XXXX/XXXX/XXXX, I was told it was for services provided on XXXX/XXXX/XXXX. I called XXXX, which was my insurance provider at the time, and they do not show any claims submitted for that date or even for a range that they searched for. I asked FBCS to send me 'proof ' to see what this medical bill was for and they have not sent me anything and keep telling to just pay off the account without justifying the charges.
I went to XXXX in the year of XXXX. XXXX was scamming and stealing money, and also charging students for meals, transportation, and room and board. When I was staying in my own home, had my own car, and brought my own food to school. I have paperwork to prove so. The school made me take out loans called XXXX. All of the XXXX students in my class XXXX loans were forgiven, however XXXX sold my loans to a company called ( UAS ) University Accounting Service , LLC . and I have been going round and round with these people for 1 year and a half on these loans, and they wo n't forgive my loans like they did the other XXXX students from my class. I have asked them why, one time they tell me because they had different loans, I know better than that because the nurses have showed me their paperwork, and we had the same loans, same program, and was in classes at the same time.
As you can see below, the autopay paid the minimum {$160.00} payment required to cover my 0 % balance. I paid {$45.00} to cover the new purchases that month ( totaling {$44.00} ). However, I was still charged interest from Citi.  They refunded the interest after I asked about it on the website chat, but this may be a systemic issue. 


Statement closed XX/XX/2018 Posted Total {$160.00} Date sort by descending Description sort by descending Amount sort by descending XX/XX/2018 MINIMUM INTEREST CHARGE {$0.00} XX/XX/2018 AUTOPAY ... AUTO-PMT {$160.00} XX/XX/2018 ONLINE PAYMENT, THANK YOU {$45.00} <various purchases, totaling $ XXXX End of activity Total activity Statement closed XX/XX/2018 {$160.00} {$160.00} Pending purchases {$0.00} {$0.00} Purchases {$44.00} {$44.00} Cash advances {$0.00} {$0.00} Payments/credits {$210.00} {$210.00} Fees/interest {$0.00} {$0.00}
On XXXX/XXXX/XXXX, I consummated a Home Equity Conversion Mortgage ( HECM ) Loan with XXXX XXXX XXXX in the amount of {$350000.00} with an interest rate XXXX XXXX 

The loan is based on an appraisal performed by XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX was hired by XXXXXXXX XXXX XXXX and appraised the value of the property at {$230000.00} Foreclosure Action Against Me On XXXX/XXXX/XXXX, a Lis Pendens and a Foreclosure Complaint were filed by XXXX HECM Acquisition Trust XXXX ( who bought the mortgage from XXXX XXXX ). 

The complaint contains 3 different allonges to the note and mortgage assignments that show ownership was transferred multiple times. 

The first Allonge and mortgage assignment appears to have transferred ownership of the note from XXXX XXXX XXXX to  XXXX XXXX XXXX in XXXX. 

The second Allonge and mortgage assignment indicate the note was assigned from XXXX to XXXX XXXX in XXXX. I was not informed of this transfer. 

The third Allonge indicates the note was endorsed in blank by XXXX  XXXX. the third mortgage assignment indicates the mortgage was assigned to the XXXX XXXX XXXX in XXXX. I was not notified about that transfer either. 

Transaction History I requested a copy of the transaction history from XXXX  XXXX. However, it was incomplete. The transaction history begins at XXXX/XXXX/XXXX and ends at XXXX/XXXX/XXXX. This would make validating the amount of the debt almost impossible. There is also no indication of me not paying my taxes or that XXXX paid them. 

After XXXX began foreclosure proceedings, I began researching my loan because things that XXXX was alleging in the foreclosure complaint did not seem right. 

First, the legal description indicates the lien was not properly conveyed to the property. The legal description on the mortgage does not match my deed. 

At some point during the origination of the loan in XXXX of XXXX, XXXX XXXX XXXXl committed mortgage fraud by giving FHA fraudulent information about this loan to get it approved. 

XXXX XXXX XXXX gave me a reverse mortgage in the amount of {$350000.00} on a property valued at {$230000.00} according to the appraisal supplied by XXXX XXXX. 

Being XXXX  years old at the time of consummation, I was only eligible for a maximum LTV of 55 % of the value of {$230000.00}. My reverse mortgage should have only been in the amount of {$120000.00}, not {$350000.00}.
I was contacted my someone from capital one just as my o % promo period was ending, He told me that because i make more then the minimum monthly payments and as long as continue to make my payment on time that they were going to extend the o % promo to me as well as raise my credit limit. I was skeptical so afterwards i call customer support to confirm this and they informed me that i was good to go, As lone as i do n't do cash advance. 
Well not exactly i go paperless and i just reviewed my account on line and im being charged 23 % interest now.
I am currently with XXXX. I went to my bank XXXX weeks ago to take out an equity line on my home so as to pay for direct care staff to be with my XXXX parents. I was told by XXXX that Wells Fargo/XXXX are listed in the XXXX lien position on my home. I paid off my home in XX/XX/2009 and never used any home equity so they should have come off the XXXX lien when I paid for my home. Basically there is an open-ended equity line showing up on with WF/W on my home deed and this is preventing my current bank, XXXX from completing my request for an equity line. I went to Wells Fargo last Tuesday and took them the information they requested from my bank as well as letters from Wells Fargo showing I had satisfied my debt with them and that they would notify the Register of Deeds. They did not notify the Register of Deeds when I paid off my home and therefore the open-ended equity line is still open with WF/W showing in the XXXX lien position. When I went to XXXX, I met XXXX and supplied him with the documents he requested from my bank. This was over a week ago. The bank was not even able to find a profile on me ( even after having purchased a home and banking with them for years ). XXXX said he would send my information to the research team for investigation. Today, I received a call from XXXX with XXXX XXXX to inform me that he just got my information today and that it could take another 10 days to resolve. This would be almost XXXX weeks they have made me wait. This is unacceptable as I do n't owe this company a dime. While waiting to get my home equity with XXXX XXXX Bank so as to establish direct home care for my elderly parents, my father fell Friday, XX/XX/XXXX and broke both his hip and his shoulder. I feel as though I am XXXX to this bank as it should not take XXXX for them to settle this issue. I owe them {$0.00} and all they have to do is call the Register of Deeds and take themselves off the XXXX lien. I have asked for the president of the bank to call me and at this time I have not heard anything from the president. I requested the local branch staff to reach out to get me assistance as they were unsure last week.
During the months of XXXX and XXXX 2015, I started receiving calls for some unknown debt that the company admits is not in mine. I do not know what this debt is, or who they are looking for. The have continued to call my personal cell phone 15-20 times during this period. I have talked with someone at their company at least eight different times letting them know my name and that they have the wrong phone number. Each time, the person apologizes and tells me they will take my phone number off their list. I have received three calls this week alone. The company is I Quantify Management Services ( IQMF ) ; their number is XXXX
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SAFCO  Account Number : XXXX Date : XX/XX/2015 Amount : {$7100.00}
On XX/XX/XXXX I submitted a dispute with XXXX about 5 XXXX XXXX XXXX   accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 XXXX XXXX. XXXX    XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of  my disputes were updated on XX/XX/XXXX. These also show on my XXXX and Equifax report as well.
XX/XX/XXXX we filed for a loss mitigation program through mortgage managements consultants. We were in a 3 month trial payment plan. We made all of those payments. In XX/XX/XXXX we had a notory come to the house and signed papers for the new payment. During this process mortgage management consultants sold our loan to carrington mortgage. We were told to not make a payment for XX/XX/XXXX. We made XX/XX/XXXX and XX/XX/XXXX payments to carrington even tho we were never sent final paperwork about our loan being sold. We were never given a new loan number from carrington. Also they were sending us mortgage statements saying that we owed them {$40000.00}. Then all of a sudden we got papers after XX/XX/XXXX saying that our home was going to auction. Then our house was sold at public auction. There was an investor who purchased it but it go into his name until XX/XX/XXXX. We are still living in the home and we shouldnt have to move. The mortgage company has had several complaints and problems filed against them. When I call our old mortgage co they said everything in our file has been completed.
Citibank is testing my patience and I 'm getting tired of it. 
I applied this checking account ( # XXXX ) by XX/XX/XXXX under the {$400.00} bonus checking promotion and completed all the requirements on XX/XX/XXXX. On XX/XX/XXXX I sent an online secure message to verify my qualification of this promo. I got an email response ( Letter ID # XXXX ) on XX/XX/XXXX confirmed that my account has met the necessary requirements to qualify for Promotion XXXX, and I should receive my incentive 90 days from the date of the qualifying transactions. 
On XX/XX/XXXX, since it has already been 90 days but I still have n't see the bonus been posted yet, I 've send another inquiry via the secured message. The Online Client Services rep XXXX XXXX responded that the bonus shall be credited no later than XX/XX/XXXX. But that never happened. On XX/XX/XXXX I send another message regarding the promotion and got a very equivocal response from rep XXXX XXXX XXXX, which makes me started feeling suspicious. 
So I called Citibank on XX/XX/XXXX, the telephone rep XXXX promised me the bonus will be deposit within 2 days, and also provided me a confirmation # XXXX. Once again, that never happened. 
After XXXX messages, XXXX phone calls and nearly a month past the deadline, that 's when I know that all the Citibank reps was just prevaricating me, making up random dates and making me false promises. This is very irresponsible and unprofessional. Citibank is testing my patience and I 'm getting tired of it. They need to stop lying to their customers and started telling the truth.
I have had issues with Navient off and on for the last 5 years. Recently, I began a XXXX program in a XXXX XXXX where all of my loans entered deferment. I am taking XXXX credits full time and last month I did not owe anything. Now, they are saying that I owe money this month even though my payments are on deferment. I also can not get a job as I am in school all day all week so I do not have time to have a job. XXXX, at the current moment, is my job.
I called SLS on XX/XX/XXXX to close my escrow account since my original mortgage contract does not require me to have one and I would like more of my payment to be applied to my principal. I was told to send the request by email, and I emailed the same day. On XX/XX/XXXX emailed again because I hadn't received a response. I also called and spoke to customer service and was told they would respond by XX/XX/XXXX. It's now XX/XX/XXXX and I haven't heard from SLS. I just went into my account online and the escrow payment is still there.
XXXX collection account added to credit report XX/XX/XXXX balance : XXXX $ XXXX collection accounts added to credit report XX/XX/XXXX balance : XXXX $ XXXX XXXX account added to credit report XX/XX/XXXX balance : XXXX $ I Disputed These accounts XX/XX/XXXX with the creditors and they responded stating that the debt was valid but offered no proof of ownership to me and refused to remove it from my credit files.
We asked the bank for a minimum net proceeds amount to determine if we could find a buyer. The bank told us on XXXX that acceptable net proceeds of {$230000.00} were required. We provided an offer to avoid the foreclosure. the investor then, after reivew for one week change their mind and now want an additional {$7500.00} above the offer and to reduce commission to 3 % for XXXX agents to split. The short sale national protocol is 6 % between XXXX agents. We reduced the commission to 5 % split between XXXX agents to try to make this offer work. This was the highest offer received in 2 years on market, they turned it down the day of the foreclosure, then 5 minutes before the foreclosure they postponed the foreclosure for offer review again. That was on XXXX XXXX, 2015. Now they have returned today XXXX XXXX XXXX, 2015 ) at the same terms as prior to their review XXXX {$260000.00} and reduce commission to 3 %, split between XXXX agents. So in essence, they are now again more intent on foreclosing on an XXXX service member and his veteran exwife who is suffering XXXX. Therefore we feel that the investor XXXX United Security Financial XXXX is force placing this foreclure by offering terms that no one could oblige.
XXXX  showing XXXX, XXXX, exp when i sent hacking and ftc reports
wE ARE ATTEMPTING TO NEGOTAITE A SHORT PAYOFF ON A HELOC THAT IS OWNED BY BBT AND THIS LOAN IS GOING INTO FORECLOSURE. WE HAVE ATTEMPT TO REACH OUT THE THE BBT LOSS MITIGATION OFFICE, AND WAS TOLD THAT WE NEEDT TO CONTACT THE HELOC LOSS MITIGATION. THE PHONE NUMBER PROVIDED ONLY ALLOWS YOU TO LEAVE A MESSAGE, WHICH FOPR THE PAST XXXX WEEKS WE HAVE LEFT OVER A DOZEN VOICEMAIL. WE HAVE CONTACTED BBT CUSTOMER SERVICE AND THAT EVEN TRIED TO REACH A LIVE PERSON AND AFTER SEVERAL ATTEMPTS THEY GAVE UP. WHE CALLED ANOTHER NUMBER THAT GAVE XXXX, XXXX AND AGAIN LEFT MESSAGE AND NO RETURNED CALLS. I TRIED CALLING ANOTHER PROVIDED BBT NUMBER ( XXXX FOR THE XXXX AND WAS ON HOLD FOR XXXX MINUTES THEN THE PHONE CALL DROPPED. CALLED BACK AGAIN, AND AGAIN AFTER XXXX MINUTES, THE CALL DROPPED. WE ARE TRYING TO INITIATE A SHORT SALE ON A XXXX MORTGAGE AND NEED SOMEONE TO CONTACT MY OFFICE ASAP. I HAVE INCLUDED THE BORROWER XXXX PARTY ARTHORIZATION AS WELL. PLEASE HELP. THESE PEOPLE ARE BOUT TO LOSE THEIR HOME AND THEY HAVE A PURCHASE CONTRACT, BUT NEED TO NEGOTIATE THE LARGE XXXX MORTGAGE THE MONTHLY PAYMENT WENT FROM {$510.00} PER MONTH TO NOW {$1800.00} PER MONTH AND THE LENDER OFFERED NO REASONAL SOLUTION.
Recently me and my mother consolidated our loans and there was an agreement. Then I received a letter of litigation saying that they will move to wage garnishment if i dont make a payment. Although my loans are in forebearance for the next 6 months after talking to my mother and taking payments from my mothers account who isnt my original co-signer. Then Im already tied up financially with my federal loans with a wage garnishment already on my paychecks and this has been expressed to Navient and I am still getting hounded and have no idea what to do because after my bills I do not have enough to pay the monthly loan amount.
I am a victim of identity theft. I have been disputing a Target account that does not belong to me.Account # XXXX. This account is in dispute with all XXXX credit bureaus as well as Target, and several government agencies. 

Target then, knowing the account was in dispute, CHECKED MY CREDIT. They had no authorization to do this.
XXXX Rent Recovery I contacted the company and spoke with a XXXX and she was not accurate with her information. She said the information was valid and I ask her if the debt is collected will it stop reporting to my credit bureau. She informed me that they will keep reporting to the credit bureau. I proceeding to ask her if the debt is settled why is it still reporting to the bureaus. She proceeded to get nasty and unprofessional and kept asking for the debt to be collected. This my second complaint against this company the business practices are very unprofessional and information is always misconstrued.
American express advertised referral promotion for the credit card. I have referred family member and met the condition of referral promotion. However, after 12 weeks of meeting the requirement, American Express is delaying giving the promotional points.