WillisBack/dataset-financial-user-claim huggingface dataset:
In 2006, my wife XXXX and I had refinanced our house located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. The application was done through Clarksville Mortgage, located in Clarksville Maryland. They completed an appraisal for the house valuing it at {$800000.00}. Since that time my wife and I have gone through many changes, including the birth of our XXXX daughter, and later our divorce. She maintains the residence with our kids, but we have not been able to refinance because the value is still too low. I believe that the appraisal was artificially inflated to make the numbers work and now we are stuck paying over 6.5 % for a first and 2nd mortgage totaling $ XXXX. XXXX XXXX bought and serviced the mortgages immediately in 2006 and put them in their portfolio, so it is ineligible for any government programs through XXXX or XXXX or XXXX. I have placed the complaint against XXXX XXXX originally, and they responded that it was Clarksville Mortgage that had originated the loans, so they should also handle the complaint. The complaint number is XXXX.
Someone has gotten a hold of my information and opened an account with 1. XXXX XXXX XXXX XXXX acct # XXXX. There were also accounts attempted to be opened as well and there are unauthorized inquiries they are : XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I have attached the report for id theft with the ftc for you to review as the instructions stated.
I have had a credit card with Chase Bank since XX/XX/XXXX. I have never had a late payment or a returned payment. I make several payments on the card monthly. Since XX/XX/XXXX Chase will post the payment to my account/make credit available and then the next day put the payment on hold and remove the payment from my available credit. This causes issues because purchases start to be declined. Chase gives me no justifiable reason why they done this.
Credit account in collection. I have asked collection company for any information regarding the legitimacy of the account. Over 3 months have passed with no response, and they refuse to remove the item from my credit report. 
All of my accounts with the original creditor are current and in good standing.
I canceled one out of the two pet insurance policies I have with pets best on XX/XX/2018. I was told I would be getting a refund for the canceled policy. The amount I was told would be refunded back to me was XXXX. Weeks go by and finally I see a refund of XXXX out of the XXXX. I called pets best on XX/XX/2018 and was given the run around. I finally called Us Bank on XX/XX/2018 and was told due to a fraudulent charge on my credit card the fraud department blocked the refund so it didn't go through and I never received it. US bank never told me nor was I ever notified about the refund being blocked and not going through. The customer service representative was rude and unhelpful and did nothing to help the situation and she told me I can't dispute the transaction and need to contact the merchant.
Last year, my husband and I tried to refinance our first mortgage, which is held by PHH. Because PHH refused to rate our loan and report our payments to the credit bureaus and because they lied and said we had 30-day-lates everymonth for six years, FHA could not and would not refinance us. At this time last year we submitted a complaint with CFPB. PHH admitted not wrong doing. I was so demoralized and angry that, unfortunately, I did n't realize that I could dispute PHH 's response and let the complaint die. Now, a year later, we are trying to refi again, and guess what? PHH still has n't reported any of our payments as we requested they do so. And again, FHA wo n't refinance our current loan with PHH. Because PHH was n't listed with the credit bureaus, our application goes to a secondary set of requirements for a FHA loan, which include a higher credit score and a longer history of no lates. This is a circle of disaster. Because PHH has n't reported, our credit scores stay low and PHH still shows us as late from month XXXX on. It 's a no win situation. We are working with XXXX again and tried a million ways to talk to FHA to explain the unusual circumstances, but there is no way to submit an exception. Now, XXXX has found a lender that will refi our first mortgage with PHHm but not both the first and second. AND, the interest rate for the new loan is % XXXX when the FHA loan is for % XXXX. AND we ca n't include the second. I 've called PHH several times, and again we get the runaround and no one will speak to us regarding the reporting of our info to credit bureaus. Desperate, I 've been calling all my Federal reps and agencies. It looks as though XXXX may initiate a XXXX investigation and that would be great, however, all if this so darn slow and it does n't help our re-finance possibilities today. A non-profit suggested I file a second complaint to update the CFPB that PHH continues to engage in illegal and fraudulent activities. Can CFPB please look into how PHH remains in operation? And what are my rights as a consumer regarding recourse when a financial product company acts this way? Because I hate PHH so much and dealing with them has made us physically and mentally ill, I will go forward with the possible new loan for the first, but we continue to lose money and pay outrageous amounts in interest.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. I am trying to get a job promotion which obviously comes with a raise..

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Chapter XXXX Bankruptcy XXXX
I applied for XXXX Store Credit card at XXXX or XXXX of 2017. 

I never get their credit card or any of their balance statements to my mail address. 

During XXXX, XXXX and XXXX of 2017, I controlled my card balances at their store with my SSN, if there is any balance, I paid. 

I went overseas, when I turned back to US and I was sure that there should not be any balance, but when I checked XXXX balances, there was XXXX USD or so. These were 60 days late. I paid down all the balance. 

I have no idea how this balance happened, it may be either someone got the Credit Card from my mailbox instead of me or XXXX charged some kind of monthly fee, that I have no idea. 

The 60 days late payment for this small amount is seen as " Serious Delinquency '' in my credit scores and affects my life very badly. 

If I had any chance to get their credit card, I would know the card number and register their online system to eliminate it, but I never got that card. 

I reached XXXX about the issue multiple times, they refused to give me my card number by phone, they refused to delete late payment from my credit reports. 

Once they told me that they can send my statement to my mail address, so I would have a chance to learn my card number, but that statement never reach to me also. I closed my account with them. 

Several times I tried to dispute for that late payment, but they refuse to delete it on my records.
There seems to be showing an overdraft account balance of XXXX with my bank from 2002 and I since have paid it off. My account is still the same with the Bank or I would have known about it by now but it is always showing I paid it off.
I opened a Citigold checking account under the promotion XXXX which provides XXXX XXXX XXXX points when completing requirement of an initial deposit and 2 consecutive months of using their bill pay system to pay a credit card. After 90 days from satisfying the requirements, ( which I fulfilled on XXXX/XXXX/16 ) the bonus will post. I have messages from Citi confirming my enrollment in the promotion as well as satisfying the requirements however now they are refusing to fulfill my points
I have a card my husband is an authorized user I can’t get them to report it to XXXX XXXX or XXXX it was on there but they removed it for over the last 60-90 days I have been calling trying to get this corrected I have called no less than 10 times and each time I get a different story most ending with we will get these reported but yet they don’t and I call and let them know and I get no where I am told there is no one I can talk to who handles this we have advised them of the fair credit reporting act yet no one will correct this we have a consultation with and attorney due to these violation all we really want is to have this card reported to my husband XXXX XXXX credit like it is supposed to be we are trying to build his credit to buy a house but they just won’t find out what the problem is and fix it
I have been going in loan repayment for five years. The total in federal loans I took out totaled {$7000.00}.

In the past two years alone I paid more than {$2000.00} in student loan interest alone. The loan balance was still more than {$7000.00} even after I have been making excess payments. My husband had the same loan, the same repayment schedule and paid significantly less than my interest. Because the interest is regulated by the federal rate seemingly the loans should have been identical. It was not. The only difference was I had a loan through Navient and he had a loan through XXXX.

Consumers beware they are mismanaging the interest accumulation on our loans. Thankfully I was able to refinance the loans and we will no longer be working with navient.
I am continuing to file a complaint against Equifax who was repeatedly wronged me in how they conducted an investigation on an account illegally placed on my file. without my permission a small overpayment which i had paid in full was transferred to the XXXX by my teenage son. I disputed this with the XXXX and took it up with management that they had no right to entrust my financial decisions to my teenage son while i was at work. Then, the manager at the XXXX agreed that it was not right on their behalf to have spoken to anyone besides me at transferring my loan which i had almost completely paid in full so I instantly paid the account off in full on the phone and closed it and they sent me a letter stating that they were sorry for any inconvenience an that the account was paid, never late and not a collection and would not be placed in the derogatory section of my credit report.. Initially, in XXXX, I received my credit report with a derogatory red flag next to the XXXX account but it that no indications as to why it was in the negative section of my file ; no payment history, no status and now remarks. SO I inquired and obviously disputed the account wit equifax, which said it was open and active for XXXX and XX/XX/XXXX, though it was paid and immediately closed in XXXX XXXX. After XXXX dispute letter that took over XXXX DAYS Equifax sent me a letter stating that the account was verified to me and was XXXX days past due until XXXX. This continued to frustrate me because i lost out join a mortgage because of them in late XXXX. I continued to dispute this and asked for proper verification and their descriptions and procedures to be proved to me in XX/XX/XXXX and in XX/XX/XXXX and they refused me any further investigation. I was aware that the information was not properly placed there and so i threatened to take this to the FTC and then they claimed that it was no longer XXXX days past due but that it was a " collection '' item now. Neither XXXX or XXXX are reporting this account negatively and yet Equifax does n't have the updated information like XXXX and transonic. They continue to call numbers that they send me which are not even the correct department. They have also send to false addressed to dispute with the XXXX XXXX XXXX if i had any issue but my mail continually get returned at the addresses which they provide. Please, can i get some proper help against Equifax.
I have disputed the accuracy of information reporting regarding bankruptcy XXXX that appears on my report. Specifically, information related to the status of the case, the claim amount, etc. is not reporting correctly on my reports, and is not accurate in documents currently on XXXX as changes were made to the bankruptcy after XXXX of 2011 when TransUnion shows the date paid.. 
In the past TransUnion has stated they verified information regarding the bankruptcy with the furnisher of information. I asked who that furnisher is and TransUnion advised they use data from public records and consumer reporting agencies. I called TransUnion and asked again who specifically verified the information and they told me the bankruptcy court. I contacted the Bankruptcy Court in XXXX XXXX XXXX and they told me they have not verified anything regarding this bankruptcy case to the credit reporting agencies, and that it is not their policy to do so. I called TransUnion again after the Bankruptcy Court advised me of this and was told that TransUnion uses a variety of methods to verify the integrity of the data being reported, but was never told who specifically verified the information. 

I want TransUnion to verify the information with an actual person at the bankruptcy court and to provide me the name, address, phone number, and date they actually verify this. If they verify it with a source other than the court tell me exactly who it was verified with.
Discover closed my credit account effective immediately and without an reasonable explanation. The only reason in the emailed message is " business decision '', but no further explanations. I feel this is very rude. I own this card for about 6 years and I used it daily and regularly and always paid balance on time.
Despite the fact that I'm opted out of credit card solicitations and mailing I'm still getting credit card application solicitations by mail from Capital One. I've contacted Capital One and was told they would cease mailing me but that has never happened. My mailbox continues to get credit card application solicitations.
On XX/XX/XXXX, I was on the XXXX XXXX website. After selecting a vehicle, there was a statement to pre-qualify for the loan and that it would not affect my credit score. I pressed the pre-qualify button, answered questions and received about two emails stating that I had been approved. Then, I received a call from XXXX to follow up on the questions. Since he discussed more than the questions, I asked if he did a soft or hard inquiry. He said a hard inquiry. I said that I only consented to pre-qualify, which is a soft inquiry. I told him that it was fraud and I wanted it removed from my credit report. He said that I was not approved based on something else and he would direct me to his fraud department but I declined. Next, I immediately sent a message to XXXX customer service via website. The following day, XX/XX/XXXX, they sent an email stating : that they provide a space for buyers and sellers to connect on their website and the loan pre-qualify is from XXXX, a third party auto loan company that advertises on their website. Additionally, I could contact XXXX and they apologize for the inconvenience. So, I have been monitoring this issue through XXXX  ( XXXX and XXXX ) but it never showed up. However, I recently received a letter from XXXX/Santander Consumer USA, which mentioned it reported to XXXX. Finally, this is why I am filing the complaint now and I want the hard inquiry reversed to soft inquiry. FRAUD ... ...
I have been behind on payments on a line of credit from Synchrony Bank for SAMS CLUB ; and have been harassed daily by this bank on an average of XXXX or more calls per day for well over one month. I can not pay the bill as of today, but will be able to make some payment within the next 30 days. 

I am simply tired of being harassed by the repeated phone calls and I refuse to answer them. This financial institution is more than capable of contacting me by letter as/if needed. 

I am well aware of the need and obligation for a consumer of financial services to pay one 's balance due on an outstanding credit line, however the actual amount due on the credit line is under {$1000.00} and does not in a reasonable person 's view require Synchrony Bank to call me XXXX times daily. The bank can send me a letter and I can pay the balance off over time. The credit line is currently suspended and I am not able to use it at this time. I will not, however, respond to the harassing phone calls until this method of attempted debt collection ceases as it is unreasonable for such a small amount of debt. 
. 
I strongly believe that I am being harassed by this financial institution and I want the harassment to stop. 

I am willing to pay as much as possible on the outstanding balance as soon as I receive my next paycheck, but will no longer respond by phone to Synchrony Bank. I am sick and tired of being harassed by the bank. 

I have had several issues of debt with other creditors that I have successfully addressed in the last five months, and will do so with Synchrony, regardless of their harassment of me. But I simply will not tolerate XXXX calls a day. It is ridiculous even if it is after XXXX and before XXXX. The debt will be paid, but I 'm done with the harassment.
XX/XX/2018 discovered an unknown collection acct on my credit from XXXX. Filed dispute. XX/XX/18 recieved collection notice from them in the amount of {$460.00} responded with notice on XX/XX/18 via fax. Further disputed alleged acct and requested specific records. 
XX/XX/18 XXXX responded with another letter they typed themselfs without supplying any proof from creditor. I have no contract, equipment nor do I owe any alleged amount as they claim. XXXX services will not speak to me. XX/XX/18 i sent XXXX another letter demanding removal of the inaccurate, unverifiable acct. Im incuring damages and drop in credit score. Please help me
I have had a Macy 's credit card for over 10 years but have not actually used in about 7 years. I have set up automatic bill pay and when checking the account today I found that I have been charged from a company called XXXX XXXX-credit life insurance, $ XXXX- {$6.00} a month for years!! I never gave my consent to add this program and was never notified it was being added! I am attempting to have my money refunded for the years of paying this fee.
I got a mail advertising a small amount of cash as a loan, I needed the money to pay my rent as my husband was not working an I was falling behind on my rent. I contacted on XXXX XXXX, XXXX XXXX XXXX and they offered me as a {$1000.00} they asked me for my SSN/Work/Pay Chekcs/Cheking account. They informed me that I will pay back {$1200.00} ( XXXX principal + XXXX interest ), the payments will be deducted from my cheeking account every two weeks until the {$1200.00} is paid off. After making all my payments I received a text massage informing me that my next payment of {$270.00} is coming up soon on XXXX XXXX. I called the company to informed them that all my payments have been done and I do not owe them any money, they informed me that I owe them {$7300.00} / 44 payments until XXXX/XXXX/XXXX they informed me that I have been charged an interest of 553.1995 % APR. I informed them that this was never mentioned to me before when I request the loan by phone and I asked multiple times and they told me that I only owe {$250.00}.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXXXXXX XXXX ( XX/XX/18 ) 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. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
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 Very Respectfully, XXXX XXXX
Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, andXX/XX/XXXXI requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of NELNET. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.