WillisBack/dataset-financial-user-claim huggingface dataset:
Structure of my home loan : I have an XXXX loan with Nation Star Mortgage. Basically 80 % of my home loan gets taken out of XXXX loan and 20 % gets taken from another loan. Insurance and taxes are paid out of my 80 % loan ... .never my 20 % loan ... .I do n't even have access online to pay escrow on my 20 % loan if I wanted to ... keep this in mind when reading below. 

Around XX/XX/XXXX, I received a check from my home insurance company in the amount of {$1400.00}. The insurance company stated my mortgage company XXXX Nation Star Mortgage XXXX paid the insurance twice. I called my mortgage company and told them that the insurance was paid twice and asked what I needed to do with the check. Nation Star Mortgage said I had enough funds in my escrow and did n't need to send the check back. I was advised that, just to be safe, to send {$200.00} which I did in XX/XX/XXXX 

Now it is XX/XX/XXXX. In the beginning XX/XX/XXXX, I sent over {$8400.00} to pay off my 20 % LOAN with Nation Star Mortgage. A few days later, I realized I had a {$12.00} balance so I sent {$20.00} more to close it out. A few days later I noticed the account was still not closed so I called Nation Star Mortgage. Nation Star Mortgage explained that I had an Escrow balance of around {$1400.00}. Basically, after numerous phone calls and time, I found out that when the mortgage company paid my insurance twice back XX/XX/XXXX, they paid it once from the 80 % loan and once from the 20 % loan. I have called Nation Star Mortgage numerous times to discuss their mistake and all they tell me is that I need to send the check to pay off the escrow. This is not right because I was told by a Nation Star Mortgage employee XX/XX/XXXX that I did not have to send the check in. Her notes are documented in the Nation Star Mortgage database. This has been confirmed by another employee I spoke to. Also, why did n't Nation Star Mortgage realize they paid the insurance from the wrong loan and fix the issue or contact me??? When making my online payments for my 20 % loan since XX/XX/XXXX, nothing was ever shown stating that I had an escrow balance. I am currently working with another Nation Star employee who states that the best they can do is move the escrow balance on the 20 % loan to the 80 % loan. It has been over two weeks already since she last told me this and nothing is happening. I would like for Nation Star Mortgage to pay for the escrow balance on the 20 % LOAN since it was their mistake. They took it out of the 20 % loan which was a mistake and they told me I did n't have to send it back which was false. A financial company can not make these types of mistakes and expect the customer to pay for them. This is not right.
today,XXXXXXXXXXXX I tried to unfreeze my credit report with Transunion and they required a pin that i do not know. i called and answered every question but they will ONLY mail it, which i told the rep is more risky than him unlocking it and that I had a professional Licence i had to update with an updated credit report and needed it unlocked today, no matter what i ask for they would only mail. XXXX  requires a pin but they allowed me to answer a series of questions from my report and unlocked it, Transunion is always problems, every year when i try to get my annual report Transunion always crashes online, the other 2 do not. they are NOT customer service and it 's my report not theirs. 
the reason i locked up my reports was because of the XXXX breach,
I bought a CD on XX/XX/XXXX for {$100000.00}. In XX/XX/XXXX, I had a personal crisis and told the company ( US Bank ) that I wanted to cash it in. They sent me {$98000.00}. 

I had the money deposited for three years and they sent me {$2000.00} less than I deposited? 

I do not think this is fair and wrote them explaining why. 

They told me I would not receive any more money! 

I think this is horrible and probably fraudulent. 

Please help me get more money.
Equifax has not deleted these unauthorized inquires from my credit report. They sent me a response saying " inquiries are a matter of fact ... .. '' but they still DID NOT show me where I signed any consent at all. I DID NOT AUTHORIZE these inquiries and there was no investigation done at all. On behalf of the Equifax breach, I STRONGLY wish to have these inquiries deleted because THEY ARE NOT MINE. They did not even delete an inquiry in which the creditor themselves sadi they submitted to them that it should be deleted. I have tried calling Equifax 's phone number and it hangs up on me every single time. They are purposely not answering their phones to correct their own negligence involving this data breach. I want these inquiries removed promptly.
I had home located at XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold XX/XX/XXXX. Mortgage was paid off and the line of Credit ( # XXXX ) balance at the home at the time of sale on XX/XX/XXXX was XXXX as indicated in the letter attached issued by XXXX XXXX XXXXthe mortgage account # XXXX for the property located at XXXX XXXX XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XX/XX/XXXX. 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home XX/XX/XXXX and both accounts Balance were XXXX as of XX/XX/XXXX at the time of sale. 
Please correct this inaccurate informationI did submit to you the HUD and Pay off proof dated XX/XX/XXXX
XXXX/XXXX, ACCT. NO. XXXX IS WRONGFULLY APPEARING ON MY XXXX   AND EXPERIAN CREDIT FILES. 
I have never opened an account, received a card, charged anything or received any merchandise.My PURSE WAS STOLEN in late 2014 for which a police report was filed at the time.Many accounts were opened and much damage was caused by these thieves. 
Delete the account from my files, I have nothing to do with this company or account.
I received a call or email several weeks ago about a loan promotion. I didn't inquire right away until several weeks later. So I called to find out the promotion she explained it over the telephone and I made an appointment to go in and apply and take income verification documents the next day.

I called to cancel my appointment that I didn't want to apply for the promotion.

I then get an alert from XXXX that a hard inquiry was made on my account. I couldn't think where that hard inquiry came from at first.

I checked my credit report to see and it was that loan company. I called and spoke to the manager and asked did she pull my credit report without my permission and she said it was a soft pull that her company could do.

I told her I was looking at my report and I haven't had a hard pull since XX/XX/XXXX and now I see one on XX/XX/XXXX from her company. I told her I did not authorize her to make a hard inquiry on my credit report.

I only made an appointment to come in to apply for the loan and bring in the documents required to apply for the loan.

She told me she would delete the inquiry but I checked my credit report this morning and it has not been deleted.
I made a mobile check deposit on an account and from my account statement it was credited with a confirmation stating it was posted XXXX/XXXX/15. However, the bank took it back ( debit ) the account on XXXX/XXXX/15 citing that the check was deposited twice. Called customer service and told them that is an error since my statement only shows it was deposited once, Later was told to go to branch. Went to branch and was told that case will be opened and would investigate. Waited for almost a week to be contacted by the perdon handling the case despite me calling everyday trying to follow up. The case yielded nothing -bank stating again that " they ca n't do anything because it was deposited twice ''. When I asked if that was it they said " yes, because the case is now closed '' and the best resoulution is just ask for another check. .I told them that customers should never feel like they are being ignored by bank. Was so upset, so I called executive customer service by bank XX/XX/XXXX.-reported the issue and they assured me that this would be handled and investigated. received call from them XXXX/XXXX/15 after I called again to follow up. I was told that their record shows it was deposited twice and I would either need to get an affidavit from the bank that issued the check or have the issuer issue another check. I told him that why is the bank making me feel that it was my mistake when clearly if they look at the statement it was only CREDITED ONCE and NOT TWICE. He said he tried reaching out to the bank and was waiting for a call back. I told him that I would ask the issuer for assistance, he gave me his direct contact number. Last XXXX, I heard from the issuer of the check and per their bank the check was already processed by Chase and therefore they can not reissue another check. Tried calling the case manager XXXX Thursday, XXXX Friday and called executive customer service XXXX to ask case manager to call me back. Stiil no return call. No customer should ever feel this way from their bank. Poor customer service skills by not calling back promptly. Even the other bank said that Chase made the error but their is no action from Chase to assist me in getting this resolved.
{$24.00} XXXX been charge to my credit card for 1 year, I finally asked my bank about it and they said Experian has been doing this forever and then some. I never signed up for any service and they keep taking money. I have tried numerous times contact them on the phone, but they do not answer. 

I figure I already lost the money, but I want the Experian company to be put on notice that they are fraudulently charging money to consumers.
On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Transunion to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Transunion maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Transunion. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Transunion about. I'm confused, how can Transunion say they've verified information with XXXX that is not at all on XXXX to begin with? 

I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit report.
My original loan was sold to a new company who doubled my interest rate which in turn doubled my monthly payment to an amount I can no longer afford.
In XXXX 2003 XXXX XXXX called me to advertise a program. At that time I was going to college and it was a bit difficult for me to get the time that I needed to attend the classes. So, when they called me I thought it would have been a great opportunity for me to have a steady job as they promised ; in order to finish my college education. So, I accept to sign in. At that time they told me that the tuition will be for about {$26000.00} and I will only pay about {$12000.00} because the government will be responsible for the remainder. However, that was a lie. Around 2003 while in class they called into the financial aid office just to sign on forms that they have already filled out. I thought it was for my best interest because I was in class, so, I do n't miss the teacher 's instructions. But, later on I have realized it was because they wanted to be successful into their scam activities. So, they made me sign on loan for {$12000.00} with XXXX XXXX. I could have said well, XXXX XXXX does not have anything to do with the school being a lawbreaker. But on the other hand I am thinking they must have known something. Because they can not allow anyone calling them and asking them to support a student without knowing who the student is and who the business is. For example if I were to call XXXX XXXX and ask them for {$5000.00} loan or for {$50000.00} they will ask me what type of business that I am conducting, they will also ask me for a proof of license. If they do n't do that that means they are in fault. They will however, get rip-off all the times ; and that is not business. Which means they have to do a thorough search before accepting a request. They either knew who XXXX XXXX was or was an accomplice with them. Therefore, I should n't be the one victimize for this scam game. And like I mentioned if they did not do their research before accepting the school request, this experience ought to be a good lesson for them. Therefore, I am asking for this loan to be erased from my account and also to be reimbursed for the total amount that I have paid to them for eight years which totaling {$20000.00}.
PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY XXXX PAYMENT WAS NOT SENT ONETIME. 
I TRIED TO CALL THE XXXX CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE. 
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND. 
APPRECITAED
Disputed this and the credit reporting company told me to call portfolio recovery i did and they told me to call the credit bureaus. Portfolio agreed to remove the item off my credit report but it is still there and they will not do anything after I 've called multiple times. I only have the {$0.00} balance and closed letter
XXXX have posted XXXX delinquent account on my credit that does not belong to me, the account belongs to my wife and she already paid it off, she just issued a card for me under her account so why they issued that on my credit,,
Dear sir or madam, Previously I was required to bring a CFPB Complaint, Complaint # XXXX, relating to this present complaint. Complaint # XXXX resulted in permanent mortgage modification documents, delayed nearly 1 year, finally to be tendered to myself, the borrower in XXXX XXXX '. Specifically, the modification offer and my acceptance originally occurred 1 year earlier, in XXXX, XXXX ', when XXXX XXXX XXXX was my loan servicer. 
My duties under the original trial/permanent mod offer were to make 3 trial payments, which I did and thus fully performed under our contract in XXXX, XXXX & XXXX XXXX. After XXXX XXXX XXXX received the final trial payment in XXXX XXXX ', it immediately sold my loan to Seterus , Inc . Yet again, I can not overemphasize, Seterus failed to send me the permanent modification contract, despite countless calls and letters, until XXXX XXXX. Please see attached. 

Between XXXX XXXX ' & XXXX XXXX ', servicer Seterus , Inc. repeatedly claimed it was in the process of generating the permanent mod documents. I now have discovered that during this same time period, Seterus and it 's attorneys continued to add to my account it 's attorney and other fees, fees generated by Seterus attorneys neither able to explain Seterus 's delay, or resolve it 's underlying cause. Such fees were the result of multiple court dates, mediation sessions, and correspondence with my attorney, ( also of course required to bill me for such time also ). Most notably, in Seterus letter of XXXX XXXX, XXXX, the date when the permanent modification contract was finally tendered to me, it 's Representative ADMITS the cause of the delay was Seterus 's own " system limitations ''. Please see attached. 

Yet incredibly, Seterus then immediately sold this loan to a new servicer, Selene Finance. But before doing so, added {$1000.00} to my account balance for the legal and other fees it generated during the time between XXXX XXXX ' when it acquired a fully performed trial/permanent mod loan, and XXXX XXXX ' when it finally overcame it 's " system limitations '' and sent me the permanent mod docs promised, but not delivered, since XXXX XXXX '. Please see attached. 
This action by Seterus resulted in a {$1000.00} charge added to my account with Selene Finance. I formally contacted Seterus concerning this matter, who now unfortunately fail to recognize it 's earlier admission that Seterus 's own " system limitations '' caused the permanent mod delay and resulting fees, and thus were charges I should not incur. Please see attached. 

Thank you so much for your prompt and just attention to this matter. I continue to be billed for these wrongful fees on my monthly Selene Finance account statement. Please contact me anytime if so necessary.
I originally faxed Experian about inacurrate bankruptcy listings on my credit report XX/XX/18. I did not receive my results until XX/XX/18 which was beyond the 30 days the FCRA allows. I than faxed on XX/XX/18 asking for a verification of the method used and how they verified their information to include who they spoke too, what court they contacted, the phone number, and address or what 3rd party verification they used. Today XX/XX/18 I received a letter saying in essence look at your report and figure it out yourself. That is not in compliance with the FCRA. I contacted the court myself and they sent me a letter saying they report nothing to the credit bureaus nor speak with credit reporting agencies. ( Letter included from court ). My XXXX report has been frozen as well as my XXXX, XXXX XXXX, XXXX have all been frozen.
most of the personal information on my report does not belong to me, addreses..n listed are totally unfamiliar to me my credit report is full of innacuracies to many to list here, please investigated all the addresses listed in my report as the greatt t mayoroty the not belong to me and is afecting my score, thank you for any you can provide. XXXX.
I was declined for a student loan consolidation with XXXX XXXX. They informed me today that my loan was declined. Here was my response to them : This is extremely disappointing and troubling. Your adverse action report states that the principal reason for denial of my application was " Delinquent past or present credit obligations with others. '' In disbelief, I ordered a copy of my credit report from XXXX, with whom SOFI made the credit inquiry. AND THERE ARE ABSOLUTELY XXXX NEGATIVE ITEMS ON MY REPORT. No late pays, defaults, etc. 

Your approval process, dragging out over several weeks and requiring multiple uploads of the same information ( paystubs ) that could 've easily been understood by people of average intelligence, was ridiculous. Particularly as your site says that information from the Work Number ( which I also uploaded ) was an accepted form of income verification. I was willing to put up with that at the prospect of getting a fair rate on student loans.
When I first purchased the car back in XX/XX/2015 I had a job with proof of income. The car salesman said my only option is to pay a high apr at 25 % interest and high car payment for one year and then refinance to drop the interest rate and payment way lower after paying all my payments on time that whole year, and so I did make the payments on time, but little did I know I went through a change of job. I went from having proof of income hoping to refinance.. to being an XXXX XXXX with no proof of income. Im paying {$720.00} a month for the past 3 years and all that money has only went to interest! Even from the start of my purchase it was a nightmare! For a whole week almost I drove around with the wrong VIN number they gave me!! Santander Consumer USA tried to help me refinance this past year, but demanded 6 recent months worth of on time payments from my bank statements. The first 2 years almost is proof I paid my ridiculous {$720.00} payment. I have more than enough proof of income through XXXX XXXX, but refinance companies only want XXXX forms and my XXXX forms are all messed up with me owing the IRS. 
Long story short I soooo desperately need help refinancing to save money now that Im in college and I'm now paying my daughters private school. 
On another note Ive always wondered is 25 % apr legal? 
PLEASE HELP! 
Thanks
Im going to attach these documents to support my complaint. XXXX XXXX XXXX is reporting this account to all three CRA I reached out to XXXX XXXX and this is what they said to me. They told me to reach out to the CRA to correct this information well when I did I got no proper investigation. So now XXXX XXXX XXXX can report an account that they have no proper documentation on no signed signature of mine ... Section 609 of the FCRA states you have to have proper documentation. XX/XX/2017 is when I started my disputes I got nothing back but these documents. What form of verification or steps did XXXX XXXX and Equifax take to investigate this account none of the CRA sent me anything on how they pro formed an investigation.
Good Day, we revisit this same Bill that does not belong to me, or my husband, here is the timeline of events and all the backup information as I disputed it with CFPB last year on this website and it was prove not to be my bill, so it was deleted. 

-XX/XX/XXXX A bill from XXXX XXXX XXXX ( XXXX XXXX  Hospital ) for {$600.00}, was placed on my wifes credit report and my husbands credit report we live at the same address -We both called XXXX  XXXX XXXX and told them it was not our bill, and can they please show us proof that it is ... The Lady that answered the phone was nasty and mean to us, they said they would, but we never received it ( enclosed is the screenshot of the letter we sent by priority mall, plus we called them ) -I disputed it for me, and my husband, and it came off ( mine, the wife 's but not my husband 's. see screenshots of my old XX/XX/XXXX credit report and my husbands Credit Report ) _ Thats when we contacted your company in XX/XX/XXXX CASE NUMBER XXXX ... .. and you did a great job and had it removed off my husband 's credit reports. Now life was the same back to normal, we rung in

the New Year ... LOL ... UNTIL!!!
_XX/XX/XXXX I, THE WIFE ..., received a letter from a NEW DEBT COLLECTOR ( COMMONWEALTH FINANCIAL, XX/XX/XXXX, XX/XX/XXXX , PA ) SO I Called them and explained the
whole situation, that this is an error bill, they tried to ask me for my info, like birthdate etc.. The Lady was very Rude to me, I told her to please send me proof, and she assured me she had it, ( I know she did not because ITS NOT MY BILL OR MY HUSBANDS : ) ) so we checked the mail everyday FOR a response, 3 days later this bill is blasted across all my credit reports, just mine again THE WIFE 'S ... screenshots provided. but they changed the dates looks like one report shows XX/XX/XXXX, but they updated it on another to XX/XX/XXXX, i dont know what that means, but all of this is fraud. PLEASE HELP US!!
PayPal/eBay are holding my funds. Neither company follow Reg CC hold procedures nor do they seem to care.
This XXXX XXXX XXXX account is fraudulent it was removed from my credit report by the creditor, and Experian has placed this account back on my report. please remove and block this account from my credit report immediately and permanently. this is causing my a lot of health issues with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$9400.00} Type Installment Loan Payment Status Late
Provided all requested documentation and was denied due to incomplete information. I have all of the emails to the company at the following times sending all information : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All documentation was sent ; however, I was told that they were missing documentation. This is not the case. 

/thank you,