WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I filed Chapter XXXX  bankruptcy and was discharged that same year. In XXXX I noticed a collection that was on my XXXX and Equifax reports. This collection has an opening date of XXXX. This is false. The original creditor, in XXXX, gave me a personal loan. This loan was included and discharged in my bankruptcy. I provided this information to both of the above mentioned credit bureaus in XXXX. Again, this year they allowed this collection on my report. I disputed with XXXX and was advised the information they are reporting is correct. I have received zero information from XXXX or the collection agency. I have received no paperwork, no validation of debt, etc. If the collection agency were to even have proof it is dated for XXXX ( not XXXX ) and they are not the original creditor. The collection agency 's name is, XXXX XXXX for " XXXX XXXX XXXX ''. I have never heard of XXXX XXXX XXXX not have I taken out any loan with this company. They are indicated the opening date is XX/XX/XXXX. This is fraud and this information is false. How are these companies allowed to put things on your credit and lie and despite showing proof to the credit bureaus they don't care. Their resolution was that " the information is accurate ''. Where is the documentation proving that. There is nothing with a XXXX date because that is a lie that XXXX and Equifax have allowed on my credit.
While reviewing my account statement on or about XX/XX/XXXX, I noticed unauthorized and fraudulent charges to my account beginning from XX/XX/XXXX thru XX/XX/XXXX posting as date of Transaction totaling about {$22000.00}. I immediately contacted BANK OF AMERICA and advised them that I did not at any time authorize or consent to the charges that reflecting in my account. I was advised that it will be investigated and appropriate correction made. I was not contacted or advised of the outcome of the investigation, though I continued to make my monthly payments including this fraudulent and unauthorized charges to my account. 
On or about XX/XX/XXXX, I contacted BANK OF AMERICA again requesting for this matter to be resolved because it was having a toll in my finances. I was again advised that an investigation was on going and that I will be duely notified when completed and advised me to continue making payments to avoid negative effects on my credit, to which I complied. 
To this extent, BANK OF AMERICA did not contact me nor send me any notification per the completion of the investigation. I kept calling and never received any assistance from any staff. 
Thereafter, on XX/XX/XXXX, I contacted BANK OF AMERICA and disputed the validity of the DEBT and staff advised me that there was nothing on file for this matter as I stated. STAFF promised me that he will get to the bottom of this and that someone will be in touch with me within 60 days with a resolution. To this regard, nobody contacted me or the matter resolved. 
Therefore, on XX/XX/XXXX, I called and was upset and enraged that nothing has been done to resolve my complaint of ID THEFT resulting from unauthorized and fraudulent charges to my account, BANK OF AMERICA staff advised me that there was no file for this complaint and that I need to file an official complaint for an investigation into the matter. BOA has failed to investigate my complaint of unauthorized and fraudulent charges of ID THEFT totaling approximately {$22000.00}, in clear violation of FCRA ; FDCA and my PRIVACY RIGHTS, causing me to suffer irreparable injuries of mental and physical injuries of XXXX distress in my marriage, XXXX and serious economic loss resulting from gross negligence of BOA failure to act accordingly. I have continued to suffer financial difficulties resulting from BOA total disregard to the rule of law per my complaints of ID THEFT, where I have been denied and deprived access to new credits and/or business financing based upon my DEBT TO RATIO INCOME and HIGH CREDIT UTILIZATION in part.
Already paid in full have a letter and receipts to prove it plus a letter stating they have requested the credit reporting agencies do you have the account referenced above in the letter removed from the credit report the deletion process takes approximately 1 to 5 business days that was back in XXXX 2015
I am writing to let you know how extremely dissatisfied I am with Consumer Real Estate Finance Co. We applied for a loan with XXXX XXXX XXXX your XXXX XXXX, FL location and was told we were pre-approved for the loan. My wife and I placed a house under contract and paid a {$1000.00} binder on the property. Our agent called XXXX when we wrote the offer to confirm the time it would take so we could set realistic closing expectations with the seller. We paid an inspection fee of {$250.00}, a WDO fee of {$140.00}, an appraisal fee of {$450.00}, and a credit report fee for a total over {$1800.00}. We were told several times that we were approved and just collecting underwriter conditions. Then we were told that we are not approved by XXXX XXXX. He told us we should go FHA. They had our bank statements and knew we did not have {$7200.00} and had to go with USDA XXXX % financing. Then we were told we would be approved again because XXXX and his Manager, XXXX would make an exception with the underwriter. Then we were told they could not approve us again. All of this pushed us past the time for us to cancel the contract and receive refund of our {$1000.00} binder. Additionally, XXXX was sharing personal and misleading information directly to the processor for the listing agent team, not my agent. Because of the false information provided by your company, the on and off of the approval ( a formal decision was not issued until well after XXXX days ) and the eventual denial, I am requesting a full reimbursement of my expenses totaling {$1800.00}. 

Furthermore, I feel that filing a complaint through XXXX, HUD and the CFPB against CREFCO and individual XXXX complaints for what I firmly believe to be an Equal Credit Opportunity Act violation of Regulation B, 1002.9 and other possible sections of the law for unfair or misleading lending practices against my wife and me in the process of trying to get a loan for the purchase of a home for our family of XXXX will hopefully open their eyes to the financial harm you are causing our family and others. 

XXXX XXXX
Transunion had a glitch in their system that violated the rights of their consumer under section 6.11. As a result I have multiple hard inquires ( falsely ) reported on my credit report. As a result of this violation my credit score has been effected and suffering. Notice was never given which is also a violation. As a result of this I am requesting all inquires be removed. 
I have attached a copy of my transunion inquires in the attachment section.
I have been working with the mortgage company for months to complete a pre-foreclosure sale. My home was initially placed in loss mitigation due to divorce. My husband occupied the home and then left it without telling me. Because it was so far behind when I found out he left, I was unable to catch the payments up. My only option was to sale. It took forever to get to the point that we could accept offers due to me having to wait for the home to be awarded to me after the final divorce. I had an offer on the home and it fell through due to the buyer being tired of back and forth from the mortgage company. Now, I have XXXX buyers but the mortgage company is saying it 's too late to move forward. Why is the sale not being postponed? I have worked with the mortgage company since the day I found out the payments were behind. I 've submitted everything they 've asked for. I 've even asked if I can get back into the house some way. I can not afford to have a foreclosure on my credit. How can I stop this foreclosure and continue to get my home sold?
At the termination of my lease, when I return the car to the dealer later I received the letter for ally financial charging Excess wear for the tire. I do n't agree to pay for this because I return the car XXXX Cadillac SRX with XXXX miles and total mileage allowed is XXXX.so when I return the car the tire has in good condition and normal wear for the mile it has, not excessive wear like they said.
They lied. They claimed that I have  XXXX  open accounts. It 's not true. I only have  XXXX  open credit card accounts. They gave false report and scores to the car loan company. I could n't get the loan because of the companies ' false reports. So my dad cosigned with me because he has great score.
TransUnion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXX repeated requests. Second, Mr. XXXX requested TransUnion to provide the method of accuracy & verification used by TransUnion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and TransUnion remains non-compliance till date. Third, Mr. XXXX   requested TransUnion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX. Hence, TransUnion again went silent.
I just paid off a $ XXXX student loan over the phone. I asked to pay extra money to cover the interest while the payment was processing so that I could ensure that the account was completely paid off, but the Navient representative said I didn't need to do that. The account continued to gain interest while the payment was processing, so I called Navient back and they said the interest charges would drop off in a couple of weeks. Months went by and the charges never dropped off, and the interest continued to compound, so I finally just paid it off because I haven't been able to reach a resolution with them. I feel that this is a bad business practice and that I should not have owed them anymore money after the original payment I made and the conversation I had with the representative.
I have been a victim of Trans-union Inquiry Issue and customer service would not help and take care of the negative inquiries reporting on my credit report. Please refer to the inquiries below : Business Name : XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Business Name : XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Bank Credit Cards Business Name XXXX XXXX BANK Inquiry Date XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Bank Credit Cards Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Finance Companies - non specific Business Name XXXX BANK XXXX. 
Inquiry Date XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Bank XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX Business Type Complete Department Stores Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Home Furnishing Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Miscellaneous and public record Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Banks and XXXX & XXXX Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Finance, personal
Regions Mortgage home loan balance as of XX/XX/XXXX : {$190000.00} Property valuve per XX/XX/XXXX appraisals : {$250000.00} PMI is scheduled to be removed : XX/XX/XXXX ( under assumption that no additional principle payments ) I paid additional payments in last few months and made current balance {$190000.00} less than 78 % of property value. 

I sent a secured written request to mortgage company to cancel PMI as loan balance is less than 78 % of property value. 

The mortgage company insists that PMI will be automatically terminated as per original schedule which is XX/XX/XXXX. 

Am I not eligible for automatic PMI termination now as ( I paid additional payment and ) loan balance is less than 78 % of property value?
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
XXXX   XXXX   XXXX  cell phone customer since late  XXXX  's, they went out of business and when they came back around  XXXX  I returned. I added another line in  XXXX  or  XXXX  maybe earlier had no problems while I lived abroad. When I arrived in  XXXX  and provided the phone to my aunt around  XXXX , I continuously experienced disconnects to my second line and while I was always able to have the line reinstated without incident the issues continued as well in that to my dismay, I discovered the " hard '' way that they changed their original agreement that listed minutes were to " rollover '' so I lost over  a thousand minut es on the second line. I was offered to disconnect services since I continued to have problems with their services and that I had not been on contract for several years. Both lines were disconnected by representative with a balance of $  XXXX  due to a " reconnect '' fee ( I disputed ) that was promised to be credited to account. I received a {$170.00} bill about 3 months later and when I inquired about this amount, I was informed that the second line was still under contract. I spent " innumerable '' hours speaking to agents concerning " notes '' on my accounts but to no avail. I contacted FCC and did not get results. I joined a class action lawsuit against  XXXX   XXXX   XXXX  for overcharge of service fees and received a small check via which I believe that my monies for my " overages '' were possibly deducted from my check!  XXXX   XXXX   XXXX  has listed this debt for the year  XXXX  when the account was closed in  XXXX ! I have had a similar incident with  XXXX   XXXX   XXXX  in  XXXX  via which I had business set up in my office building and my son had a  XXXX  which forced us to relocate to our home in   XXXX   for treatment and while  XXXX   XXXX   XXXX  promised to clear the slate ( never had services set up ) I had to obtain legal representation to remove bill because there were no " notes '' to verify conversations.
XX/XX/XXXX From : XXXX XXXX RE : Caliber Home Loans XXXX XXXX Account # : XXXX SS ending in XXXX To whom it may concern : My husband and I are filing a complaint against Caliber Home Loans. We purchased our home in XXXX of XXXX. We have made each and every payment on time. We are now in the process of trying to refinance our mortgage and take cash out. The loan is in my husbands name, XXXX XXXX XXXX. On Stanleys credit report, Caliber is only reporting payments starting with the XX/XX/XXXX payment. There is nothing reported for XXXX, XXXX, XXXX or XXXX. This is preventing us from being able to do a refinance and take cash out. We have asked Caliber to please report these missing months, only to be advised by them that RESPA laws, in place to protect us, do not allow them to report any information for the first 60 days of the loan. Our mortgage was originally with XXXX XXXX, however, Caliber purchased our loan as of XXXX/XXXX/XXXX. Because we want cash out, we must be in our home for 12 months to do so. Although we have been in our house for the required amount of time, the credit report fails to accurately reflect that. We have asked Caliber via telephone and in writing to please update the credit report to show that all payments in the non-reported months were in fact made and made on time. Our prospective lender has requested them to do the same. To no avail. They continue to say they are not required to report those months based on RESPA laws, of which neither my husband nor I are familiar. Caliber has provided a letter to our prospective lender, verifying that we have been in our home since XX/XX/XXXX and that we have not been late nor missed any payments. I have attached the letter as supporting documentation. By not accurately reporting this information to all XXXX credit bureaus, Caliber is causing distress to us and they are also negatively affecting XXXX credit score. By having all of the months accurately reported will only help to increase the score, making the amount that we pay for the loan we are seeking less. Our prospective lender has tried to run our application through the automated XXXX XXXX and our application gets a Referral with caution and this will not allow our application to even be considered for manual underwriting. We have asked if they will include this information in the next update to the credit bureau, which according to Caliber is XX/XX/XXXX. We were advised that they would submit a request to their credit department for review and that this process can take up to 30 days. They are not willing to provide the updated information to the credit bureau, despite our repeated requests to do so. The resolution that would satisfy us is if they would immediately update XXXX credit report with the missing information for XXXX, XXXX, XX/XX/XXXXand XX/XX/XXXX payments. Very kind regards, XXXX and XXXX XXXX XX/XX/XXXX
I do not recognize any of the hard inquiries on my credit report and have never heard of those type of places and I've never applied to any of them and not sure what or who they are. I feel some has used my identity in the year XX/XX/XXXX and XX/XX/XXXXbecause I did report identity theft back in XX/XX/XXXX. IRS called me back in XX/XX/XXXXto notify me someone was indeed using my information and for me to make a police report in which i did. The problem I have is why are these hard inquiries still their if its due to identity of my information being used without my consent or me even being aware of this. Please help me get rid of these unknown inquiries that don't imply to me and never have. Thanks
I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to Experian and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
This item was previously disputed and found to be inaccurate. This was subsequently deleted. I spoke to XXXX XXXX services and they confirmed I have a XXXX balance and this debt does not belong to me. Today I learned that this has been reinserted into my credit profile. I request that this be permanently deleted and provisions in place to prevent re-issuance.
I have a 30 yr fixed rate loan with this bank.Every month they hold out auto pymt from my bank account that includes interest and principal. I started sending a extra amount to them which should go right to the principal no interest. I talked to them about it once and they went back to the correct way but it messed up the way they figured the interest into the loan.Time went by everything all right then they did it again the loan is fixed any extra money sent to them over the pymt amount should go to principal.It is not a huge amount but it will change the whole figures on the loan since it is already fixed for the life of the loan.
I applied for a loan with big picture loans.com, when I spoke with the representative who was a lady, she advised me that I was approved for a XXXX dollar loan and my pay off balance would be XXXX dollars. XXXX dollars would go to my finance charge. I have XXXX options to pay the loan back. The first is to pay the XXXX in full by the first payment date of XXXX/XXXX/2016. The second is to make monthly payments of XXXX a month. No where did she mention the amount of the finance charge would b 793.6667 %. After she finish my paperwork I was advise I can log into my to check my payment status. I was unable to check anything put the payoff balance which said XXXX dollars. Once my first payment was taken out of my account I wanted to check my payment amount for the month of XXXX. That 's when I was able to view my documents and see the ridiculous amount that they are charging me for a XXXX loan. I was very upset because I can not afford to pay back XXXX XXXX dollars on a XXXX loan that I borrowed I can see XXXX dollars that I was told. I 'm a single mother of XXXX with no help from anyone, that 's why I turned to the loan but not to be robbed.
FNBC ( XXXX ) has called me at work and on my cell phone XXXX times back to back in XXXX day telling me I owe XXXX. I asked for a validation letter and the lady told me " I do n't need to do that, you know what you owe and you are a piece of XXXX for not paying it back. I will come to your house and scare the XXXX out of your kids and let them think I am killing you until you pay this back. '' She would not give me her name. I hung up after the threat and that 's when they started calling my job over and over.