WillisBack/dataset-financial-user-claim huggingface dataset:
I recently applied for a VA Home Loan through Loan Depot. XXXX XXXX, Senior Mortgage Banker, ( XXXX ) XXXX, XXXXXXXXXXXX was the contact. It was XXXX/XXXX/2015. I agreed to pay Loan Depot {$2500.00} for the origination charge with no charge to lock in the interest rate of 3.75 %. Between North Dakota 's title company and abstractor, the process of closing this loan was so slow that my loan interest rate of 3.75 % unlocked and through no fault of my own, I lost my interest rate of 3.75 %. On XXXX/XXXX/2015 I was forced to pay Loan Depot a higher origination fee of {$2600.00} PLUS an additional fee of {$1300.00} to secure a HIGHER rate of 3.875 %. XXXX XXXX, Sr. Account Manager III, ( XXXX ) XXXX tel/fax, ( XXXX ) XXXX ext. XXXX, XXXXXXXXXXXX dealt with North Dakota 's title company and abstractor. 
The amount of time it took for XXXX to get the paperwork in order was very slow. Loan Depot knew " the delays on XXXX XXXX 's application were outside the control of both parties '', but they went ahead and raised my rate and hit me with new charges anyway. I considered that unethical but I signed out of fear they would raise the rate even more. Knowing the delays were beyond both parties, why am I the one paying for the delays while Loan Depot is collecting additional interest, higher fees, and additional fees? 

See also : Case number : XXXX
When checking my credit report, today XXXX/XXXX/16, It stated that since my last update onXX/XX/2016, A previously deleted account on my Transunion Credit Report on XXXX/XXXX/16 ; was added back to my credit report. The Debt Collector is XXXX, and the Original Creditor was XXXX XXXX XXXX. The balance on this report on XXXX/XXXX/16, shows balance owed as {$0.00}. When it was originally reported as deleted on XXXX/XXXX/16 amount deleted was {$470.00} and accounts were closed. Reported on XXXX/XXXX/16 credit report for XXXX for same accounts, these were deleted per the original creditors request.
I switched carriers from XXXX to another carrier. XXXX was to furnish a final bill, which the new carrier agreed, within a 90 day period of time to pay, upon furnishing the final bill. XXXX would not furnish a final bill nor tell me why. Ultimatly, it was discovered that a range extender, provided to me at no cost because the XXXX phones did not work at my home as represented, was the issue. As the extender was not associated with the phone contract, they could not even tell me what was holding up the issuance of the final bill, until the 90 days had expired. I made many calll to resolve the issue, and was finally assured the bill would be canceled, then the next month got a credit notice. I was in the hospital ( can be confirmed - Im a XXXX ) much of XXXX, and could not respond to ( did not know about ) credit demand, so am now trying to get fair settlement and expunge record from my otherwise good credit. I believe that XXXX uses this tactic as an anticompetitive tactic to punish folks who switch from their service. Representatives from the credit service and XXXX regularly hun ip on me when I daughter to resolve this unfair and unreasonable debt. As an aside, we switched because XXXX does not have coverage where we moved 7months ago, which is why we switched services.
On Monday, XX/XX/XXXX, I checked my account balance and realized that I was missing over {$800.00} as noted below. When I checked my online balance it showed the following activity at XXXX XXXX. I placed a call to Bank of America to dispute the charges. The Bank of America representative stated I would have to wait for them to mail me a dispute form. The dispute form never arrived, so on XX/XX/XXXX and XX/XX/XXXX, I faxed a letter disputing the charges. Initially, I was told that a provisional credit would be issued within 2-3 days of receiving the dispute. Now, I have been told that the bank does not have a time limit to issue a provisional credit. I 'm attaching a copy of their error resolution policy that contradicts the information I am receiving from the representatives. Additionally, they are now claiming it may take 90 days to resolve the dispute. I look forward to your resolution and any possible understanding explaining how the charges were illegally extracted from my account and the funds redeposited into my account. 

LINE ITEM CHARGES -- ALL THE DEBITED AMOUNTS OCCURRED ON XX/XX/XXXX XX/XX/XXXX ( {$210.00} ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$210.00} ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Decline Fee, XX/XX/XXXX ( {$2.00} ) ATM Decline Fee ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00}  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have an American Express card ( cardholder for about 35 years ) and it has 3 cards attached to it. 
One of the card holders ( Card # 3 ), I noticed charges from an XXXX-related internet service from the State of Washington, in the amount of {$14.00} for several months. 
The card holder denied ordering this service ( I know they would never use such a service ), and they called XXXX to inquire/cancel the charge. 
The charge - despite being cancelled/disputed - continued to hit Card # 3 's American Express card. So I did the next best thing. I cancelled the XXXX card # 3. 
Today, I saw this totally bogus charge of {$14.00} hit my OWN card ( Card # 1 ). 
IMHO this can only happen if this is an inside operation between XXXX and XXXX. 
Here is the bogus charge which hits every XX/XX/XXXX of the month : XXXX XXXX XXXX {$14.00} State of Washington.
My wife and I have received XXXX ( XXXX ) telephone calls from Premium Asset Lending since Monday XXXX XXXX, 2015. 

My wife received XXXX ( XXXX ) phone calls on her cell phone at work yesterday, XXXX XXXX, 2015 from this telephone number " ( XXXX ) XXXX and ( XXXX ) XXXX from an " XXXX XXXX '' calling from " Premium Assets Lending '' leaving a XXXX messages to contact me XXXX XXXX regarding pending legal action that will " take place '' if I do not contact him " XXXX XXXX '' by the " XXXX '' -today is XXXX XXXX. One message said to call " XXXX XXXX ( spelling? ) " the attorney handling the case- case number : XXXX by the " XXXX '' not XXXX XXXX, 2015 just the " XXXX '' I do n't even know what I am being contacted for -I received XXXX telephone calls, XXXX from a woman on Monday XXXX XXXX, 2015 who did not identify herself at telephone number ( XXXX ) XXXX who left a message on cell phone to call " ( XXXX ) XXXX '' immediately and threatening that " there is legal action pending. '' I then received a telephone call from " XXXX XXXX '' from telephone number " ( XXXX ) XXXX '' leaving a message on my cell phone this morning telling me to call him back by the " XXXX '' because of a legal matter of concern with me. 

What can we do to stop these threatened phone calls from Premium Asset Lending
I opened a dispute with an item on my credit report through Experian. They came back stating that the report information is true. I previously paid this to a debt collector for a lesser amount than what shows on the report. The other two reporting agencies have already recognized this and have since removed from my report. Experian is the only one trying to keep this on my file. My dispute number with Experian is as follows. XXXX Experian should be able to find this informantion using that number and all the details.
My grace period was up and there was not sufficient communication to start paying. I now have a 30-59 day late on my credit report which I would like removed and the late fees assessed.
I responded to an email approval for a payday loan through Acceptance Solutions Group and was approved for {$600.00}. I received a response for a loan associate named XXXX for how much I wanted and I agreed to {$300.00}. XXXX then asked for my address, email, banking information, and debit card number. I sent the requested information back and was told I should receive the funds that day or the next. I did not receive the funds and first XXXX stated the underwriters did not approve at that time but did after I was sent the forms and electronically signed them already. After a week XXXX finally told me they sent the money to an old XXXX account the pulled from previous data instead of the information I sent her and she requested in an email. XXXX never sent the money back and was credited to the old account. Now I assume they want to charge me for their mistake. I never completed an updated application, I have not had that XXXX account in over 6mths, and I still have not received any money ye they are still trying to charge me. I can not get XXXX on the phone now.
This complaint is in response to a phone call I had on XX/XX/2018 with a Transunion representative. I was told I do not have a right to request an itemization of the alleged debt or copy proof of an original consumer contract with my signature. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, Transunion has disingenuously marked my dispute status as open. The items I disputed are not being processed on your dispute website and your representative told me to investigate the matter myself. This is unacceptable I will seek damages in court of law should Transunion continue to take an adversarial approach to this matter.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) or a Itemization of the alleged debt you have on file. I am NOT asking for verification an old address which does not satisfy the method of verification as required under Section 611 ( a ) ( 7 ). 

It is at this time that I will point out that in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could not " parrot '' information from the creditors and collection agencies. 

It is your JOB to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the information XXXX   submitting to your company. Sending out a generic form through the XXXX   and telling the consumer go fetch a resolution from the original furnisher is unconscionable, and is not a reasonable investigation. 

Transunion 's failure to positively verify the account has hurt my ability to obtain credit.
My wife and I obtained a construction to permanent mortgage loan through a loan officer at US Bank in early 2014, to provide financing for a custom home we were having built. We closed on the transaction on XXXX XXXX, 2014. The department within US Bank that handles the disbursement of draw requests to the contractor allowed for the contractor to obtain funds well beyond the completion of the home. The bank was provided progress inspections by XXXX XXXX, a party of THEIR choosing, which identified with photographs and completion percentages that the basement of the home had very little work completed, yet US Bank approved to fund the contractor budget items that would have required substantially more money to complete the basement which was part of our plans, specifications, and contract with the contractor. Upon receipt of the excess funds, the contractor promptly abandoned our job leaving us to hire a different XXXX to complete the home so that we could obtain a certificate of occupancy and have a home to live in. I disputed the handling of the draw process once it was evident that the XXXX had abandoned us, but the person handling our disbursement indicated that I would need to fund the additional amount to complete the home. It cost us more than {$100000.00} more than our contract to complete the home. This figure includes over {$60000.00} in excess funds I needed to provide to complete the home in accordance with the plans and specifications, as well as the substantial amount of change orders that I funded to the XXXX to ensure there were sufficient funds left in the loan proceeds to complete the home. The contractor then submit for full disbursement of XXXX budget items that clearly would have required additional funds to complete the home. The negligence on the part of US Bank in allowing for our contractor to get over-funded on this project is the obvious reason that the contractor abandoned the job. He no longer had any financial incentive to honor his contractual obligations. At no point during the draw process, did US Bank or XXXX XXXX provide me with details of what the contractor was requesting for review. I demanded the information that was submitted by my contractor to XXXX XXXX and eventually they complied and provided the detail of the draw requests ( XXXX ) as well as the inspection reports that were completed in conjunction with the draw requests. This happened after the contractor had already been over-funded and had made the decision to abandon us. Upon reviewing the supporting documentation and inspections, it became quite clear why the contractor chose to abandon the job.
On XX/XX/2016 I filed a dispute, # XXXX, with Equifax regarding a debt that was being collected by " XXXX '' and have not received any response via mail, website or telephone. Their online website has no information either. I 've attempted to get responses from the company, the debt collector, and now Equifax. I 've heard nothing. Just earlier today I was disconnected by Equifax 's telephone system XXXX times and could not reach a live agent! I believe there is a XXXX day rule and for that want this debt taken off of my credit ... ..it 's affecting my allowance to refi my mortgage. Please help.
Called XXXX XXXX XXXX. about a collection showing on my credit report. Found out it was in my husbands name for a medical co-pay. My name was not on debt or insurance, but they placed on my report and will not remove, even if I pay it. I looked at FCRA and believe this is illegal.
XXXX I went to the bank in question ( XXXX XXXX XXXX ) and noticed that my bank account funds which were in my account {$13.00} which I had in my account went to ( XXXX ) which I consider to be theft. I want criminal charges filed against the above bank because I did not take any money out of my account. I want the criminal bank charged with the criminal acts that they committed. I had social security funds in my account and some money I had earned {$29.00}. I consider this to be criminal!!
I have never received notice of this debt. The account in question is reporting to the credit bureaus and I have since disputed specifically through XXXX. They in turn preceded investigation and they found that it meets FCRA requirements. I still have not received any documentation validating as to why I am liable for this debt. Also per NRS 11.190 2 ( c ), the period of limitations to commit actions against contracts or obligations not found in writing has been reached.
This derogatory mark on my report does not belong to me. I 've never heard of this business it must have been identity theft or some other error. XXXX XXXX XXXX, Opened XXXX XXXX, 2016
I have received your response to my request for billing statements, however ; it is insufficient. My original complaint cited fraudulent activity as the cause of the overdraft. The statement and letter you submitted does not prove or disprove the cause of the overdraft. I never received the attached notices ( most likely due to relocating ) and stopped using the account long before XX/XX/2013 as the letter specified. It is my desire to resolve this one way or another but I need to be sure the overdraft was not caused by fraudulent activity.
I have attached the correspondence that was sent to XXXX Experian and yet they still do not respond and it 's been over 45 days. Experian has refused to send any correspondence even after speaking with them on the phone.
This complaint is related to the second mortgage on the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. XXXX. I had attempted to get a modification and was denied by both of mortgage companies. I have since fallen behind on my mortgage payments. I hired a real estate agent who was able to short sale the property. We are currently under contact and do have an approval from the first mortgage company who is requesting we close on or by XX/XX/XXXX. 
This short sale package was submitted to XXXX on XX/XX/XXXX with the final approval letter sent to them on XX/XX/XXXX. To date, neither my agent, my attorney nor myself have received any information from XXXX even after REPEATED phone calls and emails. I was told by " XXXX '' that my XXXX was XXXX XXXX, but that she is currently on vacation, so we left messages with her supervisor XXXX XXXX. I called back on XX/XX/XXXX and was told by XXXX XXXX that she is not on vacation but new to the company and does n't have access to the " system? '' He also stated XXXX has no record of receiving my short sale packet, however my real estate agent has the fax confirmation that all documents were sent and received. I truly believe XXXX has been purposefully trying to stop the short sale by first ignoring us, and now by lying. 

If you could please let me know what my options are or how I can proceed so that XXXX does not prevent the short sale from occurring, I would be unbelievably grateful. If you need more documents than what I can upload, please let me know and I can fax or email them to you.
Someone took out a loan in my name without my authorization and now I have a collection on my report regarding it from a collection company. They refuse to listen to me when I tell them it is the result of Identity theft and not mine.
I have an installment from Check n Go for about XXXX years. I pay every month and if I do not pay I am threatened by not being able to reloan. They charge XXXX percent in California. In order for me to survive I must reloan. I am stuck in a vicious cycle.
four years ago I went into XXXX XXXX and purchased two vehicles and leased one vehicle ( total three in one day ). 

The lease ended XXXX, 2018. I was allowed 15,000 miles per year. 

Last XXXX I went into a dealership and purchased two new vehicles. I then paid the entire balance of the five remaining months lease. 

I've now received a bill for {$430.00}. 

I called Hyundai and explained I had turned the vehicle in when I purchased two new vehicles. I also told them I had only utilized approximately half of my allotted mileage allowance over the four year period. There was no damage ect. to the vehicle. 

I've now received a this bill stating I paid it off early. I explained I turned it in early BUT PAID IT IN FULL THROUGH THE END OF THE LEASE TERM. I also again stated I only used approximately half of the allowed mileage. They continually refuse to delete this " balance due ''. 

I called Hyundai and reached XXXX XXXX, who is a CSR. He said it was dead wrong that they were trying to charge me this money. He said he was submitting a complaint on my behalf and bc he was doing that the complaint would have to go to Corporate Hyundai to be reviewed. 

So they're basically saying bc I stopped driving the lease 5 months early, BUT PAID IT IN FULL FOR THE COMPLETE LEASE TERM. I'm going to have to pay them. This sounds ridiculous! 

You can reach me at XXXX XXXX XXXX if you have any further questions.
My payments was made early last month. Seterus is adding a {$90.00} fee without any explanation. No response when I call them
XXXX, equifax, and XXXX has taken more than 30 day for my dispute a violation of the cra sent police report
I contacted equifax on XXXX/XXXX/15 regarding a public record listed on my report. I have disputed this item several times and every time they keep coming back stating that it is verified. When asked details of how they verified they refuse to provide me any details. On XXXX/XXXX/15 I spoke to XXXX at equifax over the phone regarding this public record listed on my report and that it is inaccurate and I would like details on how they verified it because I had spoken to the courts that this public record is listed from and they advised that they do not honor any verification requests from any of the credit bureaus. Equifax failed to provide me with details on how they verified this information only stating that it was verified. Per the law I am entitled to request details on the investigation process and as of right now they are willfully non complaint with my request. If they are unable to provide me with details on how they verified this information directly from the courts They need to immediately remove the public record being listed or I will be forced to take legal action against them for non compliance. I want details of how they verified this information, what date they verified it, method of contact with the courts, what was obtained, did they obtain original docket papers from that case.
I actually have XXXX private loan and XXXX Stafford loan service through American Education Services. I am trying to pay above and beyond on the loans and they have messed up the form XXXX times. I have been in contact with them at least XXXX times this month. They have consistently gotten bank account information, amounts, etc. incorrect and have almost overdrafted XXXX my accounts several times. I do not believe it is unreasonable to not expect to sit on the phone every single night for hours to get this right. I am EXTREMELY happy with other service providers and only want to move my loans to these providers and not AES.
We applied for a refinance of our mortgage loan under Harp guidelines with Quicken. They are not our original mortgage lender. We were contacted via email and phone calls at least ten times daily asking for more documentation. We asked repeatedly for a complete list of everything they might possibly need from us so that we could provide it all at once and stop all the interruptions to our work days. We were not only denied that list but told that Quicken did not even have one. We were asked to provide proof of employment for my husband. We provided Quicken with two months of bank statements that clearly show a weekly direct deposit paycheck for him and my husband 's employer also emailed a proof of employment document to Quicken. They refused to accept it as proof of employment. We legally complied with all their requests. As we can not control the format of the proof of employment documentation our employers provide, we had to cancel our HARP refinance of our mortgage. Quicken has unreasonable demands for the loan application process.
A collections agency, CMI-Credit Management LP, is trying to collect for a bill I do not recognize. They purchased this from XXXX after I closed an Internet service account. XXXX claims I had a cable modem that was theirs. 

This is false. Prior to XXXX 's acquisition of XXXX XXXX, I purchased my own modem to receive an upgraded XXXX service ( and avoid modem rental fee ). Upon the acquisition, I some how ended up in their system as a modem/router rental account. I had to dispute, on a couple of occasions, a " Wifi service fee '' that XXXX never provided ( I owned both the modem and router ). My guess is I was still marked as owning equipment in their accounts.