WillisBack/dataset-financial-user-claim huggingface dataset:
I have been in touch with over XXXX lenders up to and including the bank VP for Lending and have not received XXXX offer to refinance my current, well above market rate, loan. The problem seems to be that I do not meet the debt-to-income ratio Dodd-Frank implemented to " protect '' me. Thanks guys! 
I am seeking to refinance my XXXX XXXX %, fixed rate, {$130000.00} loan which matures in XX/XX/XXXX. The property is 40 % LTV, I have a XXXX FICO score, have never missed a payment, and have a liquid net worth excluding real estate equity over {$500000.00}. I earn money by investing and my XX/XX/XXXX AGI was over {$XXXX}. 
Obviously, it is difficult to imagine not being able to make the payments any time soon and harder to imagine letting the home go to foreclosure. Moreover, as I am not asking for additional capital, simply to not pay an extra {$2000.00} a year in interest, a new loan could only lower my risk. 
I would like to better understand how this legislation has done anything to protect/help me, a financially secure, responsible, savvy consumer.
They have reported on my credit report XXXX accounts that are still open and not showing paid. One for XXXX XXXX XXXX and the other for XXXX XXXX Bank. XXXX have been paid, XXXX XXXX in XX/XX/XXXX and XXXX XXXX in XX/XX/XXXX.
XXXX  and  XXXX  are reporting incorrect information concerning a car loan that I have with Hyundai finance. Each credit bureaus are reporting that I have mis sed 6 payment s and I have confirmed with the financial institution that I have only missed  2 p ayments which is correct. But both credit agencies are reporting different. I have disputed this account with both agencies with no changes.
On XX/XX/2016 i was faced with having to move out of my apartment, i contacted the loan agency stating i wouldnt not be able to make payments for this month but i am able to pay it off in the following months. They agreed but later on i see a late payment even though i finished my payment and closed the account the late payment is still being shown, Please assist me in this matter im also fighting unfortunately late payment for my XXXX XXXX payment which occurred around the same time. I have been consistent since and all my accounts are in good standing. I would love to get a home and start a family, unfortunately my credit score is at a major halt due to these payments.
I make my payments every month in full amount, before the due date. However, the principle balance is going up instead of gowing down and my payments are not applied correctly. I pay XXXX per month, my interest occrued minthly is about 77.00 but they apply more towards interest and less towards principle. This is illegal. Every time i call nobody can provide exact math explanation on how they calculate how much to apply to pc and interest. This is 5th year i am trying to find out what is going on. They simply stealing my money every month.
XXXX XXXX XXXX, I believe on behalf of XXXXXXXX XXXX, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
XXXX XXXX XXXXurrently holds the mortgage on my house, the mortgage was discharged in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, or any other mortgage company. In fact, I had not applied for any credit from any company. 
I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted XXXX, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Equifax had a security breach and my personal information was compromised and is likely publicly available and waiting around for someone to attempt identity theft.
Omega RMS has yet to verify that I this balance is indeed mine. 

*Initially they reported the principle balance being : {$12000.00} *On XX/XX/XXXX they added interest and fees totaling : {$16000.00} *I filed a complaint and on XX/XX/XXXX they were removed from my XXXX  report *As of XX/XX/XXXX they are back on my XXXX report totaling : {$18000.00}
Hello, I am a rec ent widow ,   XXXX   XXXX   on  XXXX , and a senior. My home is financed by  JP Morgan Chase , I have completed and sent in    XXXX    assumption modification packets to no avail. I have submitted to them absolutely everything over and over that they have ask for. Some of the information they requested from me is n't possible. Once I told them their request does n't pertain to my situation or to me they told me that it was a error on their part and to omit that request. I called  XXXX   XXXX  and was blessed that the woman who answered the phone helped me to know exactly what they were asking me for. This is after I spent hours and   XXXX   trying to comply. My denial came with the reason being I DID NOT SEND IN MY DOCUMENTS IN TIME. This is absolutely not true. The loan was in my husbands name with  Chase. However the original mortgage I really believe was in my name also. when we started receiving info from Chase it had my husbands name and my name. Then as time went on it on ly showed my husbands name.   I LOST MY HUSBAND LAST YEAR TO  XXXX  IN    XXXX   XXXX    I HAVE BEEN DOING EVERYTHING POSSIBLE TO SAVE MY HOME. I NEED HELP IN THE WORSE WAY ... I CA N'T MAKE THE CURRENT MORTGAGE PAYMENTS AS WHEN I LOST MY HUSBAND MY HOUSEHOLD INCOME WAS CUT A LOT.   I have done absolutely all that  Chase has ask of me and more. I have complied with it all. I have even had them tell me that I am doing good in submitting all the information to them. I have {$45000.00} approx. in equity in my home. I believe I was turned down because Chase  is wanting the most profitable way. If my interest rate is low ered from 5.25 to the  2 % their profit margin will drop. I am on the verge of hospitalization because of the  XXXX   Chase h as put on me. I was my husbands   XXXX   XXXX   for over 20 months then I watched him as he took his last breath.   All I am asking for fairness. I can make my house note easily if it was lowered to the  XXXX  that it should be which is according to my income and what is being offered now b y HARP. I ca  n't get this nor any other refinance because I am behind on my mortgage payment. I am at wits end and I pray that you will please help me please.
I am filing this complaint because a collection agency ( XXXX XXXX XXXX   ) reported a collection account on my credit report that I completely disagree with. I don't acknowledge this account. I sent this agency 2 dispute letters by certified mail in an effort to resolve this matter. I demanded proof of the debt that they claimed was mine. They were unable to produce any documents that proved that I agreed to any debt. These letters were sent on XX/XX/18 and XX/XX/18 by certified mail which I have all the reciepts. XXXX XXXX XXXX failed to provide any actual proof that I agreed to pay this alleged debt. They never responded back to my 2nd certified letter, and now 3 1/2 months later they have placed this unverified account on my credit report with no proof. I demand that they remove this credit account from my credit report immediately.
I mailed a very specific letter as per The Fair Debt Collection Practices Act demanding validation of this debt that I first became aware of when I saw my credit report. Midland ignored my letter even though I had it tracked and know they received it in XXXX 2015
They sent me a bill for {$95.00} to pay the account in full. I logged into their website to pay this amount. I paid {$95.00} with a credit card. I discovered 17 days later that they actually drafted {$130.00} from my bank account.
I live in XXXX ( XXXX ) and use the USAA Bank in XXXX, since I reached XXXX, to collect my SS payments, then once a year I transfer the amount to my XXXX bank ( XXXX Bank XXXX ). Never a problem until last week when I wanted to make another transfer. The international wire dept, said that they has new verification questions to ask before being to wire money. I said " fire away '' but they told me that their 'question qenerator ' would not give them question to ask to verify me - and therefore no transfer. I spoke with their banking dept. and then their technical department ( both gave me XXXX verification ). Both ( at different times ), transferred me back to the international wire department - but I get the same reaction : " we have some different questions to ask, so we still can not wire the funds to you ''. They refused to let me speak to a XXXX and no one has phoned me. I have no idea what the problem is and neither do the XXXX department ( referred to above ). I changed all of my login, pin code, and XXXX security questions thinking that this might be a good idea. But I still get the same reaction ( now XXXX working days ). My credit rating is gold plated ( in XXXX but, I suppose, in the XXXX as well ). USAA will not or can not say what needs to be done to break the log jam, and I am writing to you in the hope that you can determine what the issue is here and when it will be cleared up. ( I filled in your XXXX XXXX to show what ought to have occurred - but did n't ).
I disputed these unauthorized inquiries on my report with each credit bureau. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with Transunion and supplied them with a copy of my police report, the account was removed. However, they re- inserted the entry without informing me- when the account does not belong to me.
Our mortgage company was purchased by Wells Fargo. We defaulted on the loan and the bank did not record it properly with the XXXX, taking over XXXX years, and that has prevented us from getting a current FHA loan.
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
XX/XX/XXXX, rented a car from XXXX XXXX XXXX XXXX out of XXXX XXXX XXXX, XXXX XXXX Ga. The close out receipt called for a single payment of {$470.00}, which I accepted and left the airport. My credit card was charged {$260.00} w/o my legal authorization. Dealing with XXXX, they alleged it was for a damaged window, which I had company rental agreement stating the vehicle was already damaged. Next allegation, it was for loss of use of vehicle and subsequently, it was for 2nd rental. I filed a fraud complaint with Suntrust somewhere around mid XX/XX/XXXX and before XX/XX/XXXX. During that period, XXXX agreed to recredit the card on XX/XX/XXXX. Instead XXXX charge my card against while SunTrust was sitting on a fraud complaint. I received a letter from SunTrust XX/XX/XXXX stating my case was closed, even though XXXX had just issued an unauthorized purchase to the personal credit card.
SunTrust habits with complaints is act as thou the charging party is apart of the bank operation and appears to assist in undermining the customer rights under federal law.
I was suffering from financial hardship and was seeking assistance and then hurricane irma hit and we were in a FEMA declared disaster zone. I understood that Bank of America would be providing disaster loan modifications for those impacted. I was on the disaster forbearance but they did not do the disaster modification as I was told. I had to apply for standard assistance. 

I did and there was some mix up until finally on XX/XX/18 after finding out they had not reviewed me even though I sent in an updated application on XX/XX/18. I spoke to a very helpful supervisor " XXXX XXXX '' who took the time to look at my file and found out what the problem was. I had to resubmit with the correct address information so I did and was encouraged as I would finally be getting help As a XXXX military veteran I also was seeking SCRA protection from the upcoming XX/XX/18 foreclosure sale date and have not received it to this day. 

Everything seemed to be going well and I was able to have a complete assistance package and was submitted to the underwriter and on XX/XX/18 was told they were postponing the sale as Bank of America does not practice dual tracking then a borrower has a complete package as they have always done they post pone the sale date to allow time to review. 

Days went by and still the sale had not been postponed. On XX/XX/18 after 2 other escalations my customer relations manager submitted another post ponement. 

I was told an assured by many representatives that once I had a complete package the sale would be placed on hold. I had no reason to doubt because that was the practice ever since the DOJ mortgage settlement restricting dual tracking. 

I am submitting this complaint as Bank of America has defaulted on their commitment made by it's own representatives.
I w as sent 3 different c losure notices for accounts that were opened in my name. I have never been a customer of this bank. When I contacted the bank the said that the  XXXX  accounts looked like fraud. The accounts were opened with a  XXXX  balance, maintained a  XXXX  balance and then closed with a  XXXX  balance. All with in a months time.
On XX/XX/XXXX a hard inquiry was put on my credit report from Charles Schwab. I reached out to Charles Schwab fraud department and they said 7 checking accounts were open in my name and have been closed. The fraud representative from Charles Schwab said that the hard inquiry will be removed off my credit report in seven days. On XX/XX/XXXX the hard inquiry remain on my credit report. I reached out to Charles Schwab fraud department and they informed me that the accounts were still open.
LVNV Collection Company has purchased from XXXX credit card account that was paid through our using XXXX XXXX XXXX. The collection company FAILED to follow the Federal Law, and is Reporting the Collection as a NEW collection. Additionally, as the attached letter of payment submittal indicates XXXX was sent funds agreed to to settle the debt, and then sent the debt to LVNV who failed to notify or to confirm the debt in the Required time allowed by law. 
In addition, they are transmitting the collection as if it just took place in 2014, and listing the collection multiple times as well. I have notified them via certified mailing, as well as I have disputed this with the Credit Reporting Agencies, that are also in violation and should be notified by the CFPB of their improper handling ( as per Federal Laws ).
I had a Chase Sapphire rewards credit card that I closed last XXXX, and this month I received a refund on a travel purchase from a tour provider. I assumed Chase would automatically send me a check for the refund since I had already closed my account, and when I called Chase, they said that they would only send me a check if I called. If I had n't called, they simply would 've kept the money. That is downright dishonest. Credit card companies should be required to automatically send you a physical check for any credit at the time of account closure or for any credits received after the account has been closed.
We started out with XXXX in 2007. They suddenly started increasing our payment until we went from paying {$1300.00} a month to {$2000.00} a month. No one could give us an explanation for the increase. We applied for a modification to try to deal with the situation. Not long after, they sold the loan to XXXX XXXX XXXX. Due to the increased payments, we ended up having to file XXXX XXXX. It took our bankruptcy XXXX and an aggravated bankruptcy judge nearly five years to get a modification approved. The month after we finalized the modification they sold the loan to Greentree. We continued to pay the note, using the account number for Greentree that XXXX had sent us. The first correspondance we received from Greentree was in XXXX and it included no payment amount and said " this is not a bill ''. The next letter we got stated that we were over a year behind on payments. Three weeks later, after sending over dozens of faxes and making hours of calls, they tell me I have to fax over a formal dispute. I 've been on the phone for three weeks, talking proof of payment, the modification terms, etc and just now they need me to fax a piece of paper saying I think they screwed up. They just approved the loan for foreclosure, despite the account status being obviously in question. XXXX of the managers, XXXX, flat out told me that something must have been filed wrong. Even if I had been a year behind, the modification would have brought me current. I might actually lose my house even though I am not even a day late on payments.
TO Lexis Nexis : CFPB case # XXXX Lexis Nexis # XXXX This is my 3 rd letter to you on this issue. 
When my employer checked Lexis Nexis on me you sent them a file with 71 " historic & Undocumented '' Judgments & Liens. 
that's 71 ( seventy one ). 
When I wrote a dispute you sent me my file with only 1 judgment & lien. 
THERE IS A SERIOUS DISCREPANCY HERE. 

I have several current credit reports from XXXX XXXX, XXXX, XXXX. They list no judgments or liens. NONE. 
I hired an attorney to do a upper and lower case search on me, They found NO judgements or liens. 
I have the file with 71 judgments listed, please see this file. The IRS lien you list 5 times, 4 of the 5 are duplicate an the 5 th shows " satisfied ''. 
Same with all the others, duplicate and of " satisfied '' many years ago. 
Please correct your records. If you send this false and mis leading file again I will pursue legal action with punitive damages. 

Please send me a corrected file showing NO judgments or liens. 

Sincerely XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Soc sec XXXX DOB CC : 1- CFPB
I have had this acxount with XXXX XXXX for a while. I went to financial difficulties and became homeless.in XX/XX/XXXX i contacted the bank to help me with XXXX XXXX, XXXX, zales/XXXX and XXXX. I was told that i qualified for the hardship program. The young lady even went to the extent of pre programming my payments for all 4 acxounts to ensure i was complying with the rukes and to also, ensure my decotiin to fixing my credit and in becoming an active meber with XXXX   XXXX. My XXXX account was sold off to XXXX and it was NOT enrolled in the hardahip program as it was suppposed to. I asked for documentation in XX/XX/XXXX, when the rep XXXX i spoke to, told me it was a miatake on the banks end. It showed i did everything right, and the mistake was that none of my accounts were added to the hardship program. The form was not dilled out by the rep back in XX/XX/XXXX. He stated he was emailing his supervisor amd was also including that i wanted a call back. My XXXX/zales account was charhed off during the time it also, should of been protected by the hardship program, which this acxount was also missed ... The only two accounts that i finished and successfully paid everything are current and upto date. XXXXXXXX amd zales were both charhed off, when they werent suppose to..and also, i have spent all of XXXX trying to rectify and speak to a manager or supervisor about the error and no one cares to fix it. I am beung to told to call the third party company trying to collect on a debt they should of. Never had and on debts that i tried saving. The error also falls on the bank becuse tbey refuse to give me the paperwork or prood my accounts were under the hardship program. XXXX  XXXX was willing to help me and now, the acxount got so out of hand that it also charged off. Please help me. I am being hung up on, ignored and my credit is getting worse. I called in XX/XX/XXXX and that day alone i spoke to XXXX in hardship, XXXX in assist department, XXXX, XXXX, XXXX and XXXX all hung up on me..me trying to get ahold of a hardship supervisor.. 

My address is XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX originally disputed my GAP insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few hundred dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department of Insurance in regards to them not originally accepting my GAP insurance claim and refund of the several prepaid years of the insurance policy.
I had an outstanding medical bill from hospital emergency technicians. They said they did not receive insurance info. I resubmitted info 2 times to the billing company. I receive a collections notice for the amount. I get scared and pay the outstanding balance. I was assured by the collectors that I would be able to get a reimbursement from my insurance companies. I call my insurance and they said a claim was never filed. I call back and give the information so they can call the insurance company. A week passes and i call back and now they have no information on my account and hang up the phone after taking my money.
Requested bureau remove account as it was not verified. Spoke with collection agency and was informed the account was requested to be removed however, the bureau has not removed it.