WillisBack/dataset-financial-user-claim huggingface dataset:
After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from family support division on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully metro 2 compliant and current, true, correct.completely timely, mine, of my responsibility or else  mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.
We are selling a property and have been under contract for over two months with buyers who were using XXXX XXXX at SunTrust Mortgage in XXXX, NC. The buyer has been in jeopardy of breaching the contract twice, due to the total incompetence on the part of this loan officer and the processing department at this bank. The buyer is now homeless and we are broke because we were told weeks ago that we would be closing and we haven't. We have had to make mortgage payments in addition to hotel costs and storage fees because we were falsely informed that we could close. We were given the clear to close yesterday and told we would be closing this morning and now the loan officer and all parties involved in the transaction have stopped responding to the buyers agent and we have had to rush to contact a different lender. This loan officer, as well as everyone else in the mortgage department, needs to be held accountable and both sides feel as though we have no recourse in this matter.
XXXX XXXX  shows an account open with XXXX XXXXXXXX XXXX   which is now TD Bank. I have tried to resolve this issue but I am getting no where with TD Bank.
XXXX mortgage is reporting to all bureaus of delinquency. I contacted XXXX and disputed the matter and it was removed. Transunion is NOT showing a late payment and also XXXX failed to remove the error. The charts that reveals the monthly payments are green and paid as agreed but yet, XXXX is still reporting to the other XXXX transunion and XXXX as delinquent. 

Transunion is also reporting my age of first credit to be at 6yrs 3mths which is false
Paypal repeatedly calls me from an unlisted number sometimes XXXX times a day. Sometimes XXXX to XXXX minutes after the XXXX call. I answered the call once to see who it was. It always comes up as " Unknown '' on my phone so I generally refuse the call from such numbers. 
They said they were collecting a debt from PayPal, which I do owe. I said I know about the debt and that I would try to get a payment said thank you and goodbye. 
They still call me repeatedly, the only way I know it 's still them is the voicemail they 've left maybe XXXX times. Most times it 's just repeated phone calls from " Unknown ".
I took this loan in XX/XX/XXXX with a cosigner and under the belief that I would have the opportunity to consolidate the loans after I graduated a year after. This option was not available to me so my interest rate of 12 percent and 8 percent at a variable rate fluctuated tremendously. My  original XXXX XXXX dollar loan is not over 50 thousand dollars. 

With my cosigner I was also limited in my options. I tried multiple times to get my cosigner removed under the belief that as long as I made 12 consecutive payments and that my credit score was good I could get them removed. I was denied and never told why even though my credit score is high and my income has increased since XX/XX/XXXX. I was never told just how much interest would accumulate over these years and my repayment options were always either {$500.00} or more and that was not something I could afford. 

I was also misled in the belief that I could defer my loans as long as I went to school. I was told that it was only for temporary and when I asked for proof I was shown a promissory note that did not have this information at all. This was something that seems to have been tacked on after the fact. 

I am struggling to pay classes for my new degree and am overwhelmed by the high interest and the amount of interest that has been added on top of my comparatively low original principal of {$22000.00}. I am now trying to refinance which was an option I wasn't told I could take as I always tried working with Navient ( then called Sallie Mae ) to see if they had repayment programs that fit my budget.
COMNWLTH FIN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Reported onXX/XX/XXXX {$930.00} Reported on XX/XX/XXXX {$1300.00} Am a XXXX   at a XXXX XXXX XXXX XXXX XXXX NY I have full XXXX XXXX prescription cards no copays doctor visits free eye vision plus dental. 

Impossible no clue what this account about is a ( FRAUD ) I have been with XXXX XXXX XXXX XXXX   Building my credit XXXX Only account I have and working on paying is account with a negative status, pay-status is XXXX XXXX XXXX  for {$330.00}
I have requested validation of debt from Equifax regarding an inaccurate account reporting to my credit report. Ive disputed the account twice and Equifax has yet to furnish the proper validation of debt. Ive contacted the collection agency responsible for the debt, XXXX XXXX XXXX, and what I received was a generic printout of an account activity. I have not received sufficient validation of debt from either parties. 

Please review supporting documents attached.
We are submitting a complaint against PENNYMAC XXXX mortgage company. They faithfully took our mortgage payment for over 1 year, always paid ON TIME. At the beginning of 2015 we received a bill totaling approximately {$15000.00} due to insufficient escrow and a statement that had our taxes at over {$24000.00}. INCORRECT!! We called to inform them that the taxes they have are wrong and even provided tax statements from our local township that had our taxes listed at between $ 6,000- $ 7,000/year. They stated that they had paid the township much more than the township states they actually received from them. They state that they were able to obtain a refund of THEIR money that was overpaid but it still left an error on our account for which they are trying to bill us approximately {$2000.00} in order to bring our account up to date which they will then refund to us. ALL calls to Pennymac have resulted in nothing but delay, poor customer service, inability to rectify this problem in a timely manner and now they have put us in collections and have affected our credit for THEIR error. We have continued make our monthly mortgage payments and have faithfully been calling asking for them to resolve their error only to receive harassing " automated '' notices and NO actual assistance or resolution. We are seeking legal counsel for the issues with this company and have noted MANY similar consumer complaints online with many of the same complaints. This company appears to be conducting itself in numerous unethical ways and has the poorest customer service we have EVER experienced ANYWHERE. We desperately need investigation, assistance and intervention to rectify this issue and have the company resolve their errors and restore our credit. Please help!
Effective XXXX XX/XX/2018 Citibank will charge {$25.00} a month just to have a checking account and {$2.00} for each withdrawal. I have had a checking account in good standing for over XXXX years. This is unjustified and will cause a financial burden for my family.
To whom it may concern : You all have broken every rule in the book when it came to giving me a loan and now currently you all still do n't want to negotiate with me. 

You all have done the following : 1. Improper approving my residential loan for gov't insurance and refinancing 2. Fraudulently submitting loan data regarding my loan # XXXX to XXXX that was false. 

3. Predatory lending by raising my rate over XXXX points at the time of financing. 

4. This is direct mortgage discrimination. 

5. By breaking the Home Mortgage Disclosure Act 6. By breaking my XXXX XXXX XXXX of XXXX 7. By XXXX.
RE ; NATIONSTAR Mortgage - Loan # XXXX Hello, I 'm reaching out to you because it is now over 7 months since I requested help from Nationstar Mortgage to sell my under a Home Affordable Foreclosure Alternative in order for me and my family to avoid foreclosure. 

Now after we provided all the documents, buyers offer and appraisal requested by nationstar. Nationstar is refusing to work with the buyer that offer the max amount requested by Nationstar Mortgage. 

I called Nationstar Mortgage and spoke to XXXX XXXX and she told my realtor because one of her family members is interested on my home. XXXX will not review the offer of the buyer who has been waiting on the short sale approval for over 6 months. But instead she will forward my property to a website where called XXXX OR XXXX where they will conduct an auction. 

I feel this is not a fair review, the buyer who has been waiting for his offer to be accepted, which the buyer agreed to pay for the maximum amount requested by Nationstar Mortgage. it seems like they are discriminating the buyers. 


XXXX XXXX
I applied for a student loan re-finance with Earnest. They are advertising a 3.5 % APR as the lowest fixed rate. I earn well into XXXX, have a XXXX XXXX, no other debt other than a 2015 car with a loan of approximately 50 % LTV and a {$1200.00} mortgage, 10+ years of work experience, XXXX XXXX with no late or negative information. They offered me over 5 % as the best APR, which is congruent with the non-fintech market rate. I firmly believe that this company is engaged in false advertising of the 3.5 % APR. The explanation for the credit offering of 5+ % did not hold water, given the aforementioned credit basis. The only resolution that I will accept for this inquiry is a disclosure of what percentage of applicants are being offered the optimal 3.5 % fixed APR. Earnest refused to disclose this information ; I will continue to escalate this through Congressional inquiries if that information is not released.
Due to XXXX 's XXXX XXXX error, my account that has been closed and inactive for almost 17 months, was sent to collections. I am in the process of disputing with XXXX and XXXX XXXX which has the debt now.
I have been filing unemployment off and on since XX/XX/XXXX. After depleting my retirement, I notified my mortgage company of the financial issues I was having and my unemployment status. 
My mortgage company offered a modification package that was quite involved and tedious. I submitted all of the paperwork at their request only to find out I was not eligible for the program because I was unemployed. Several months later, I asked my ex- husband, an attorney, to get involved. He contacted the mortgage company only to have the same program offered. Again, I was not eligible for their modification program since I was unemployed. On the verge of foreclosure, liquidating a few personal assets, I was able to keep my mortgage current until XX/XX/XXXX. I am now almost in foreclosure, again. Again, I contacted my mortgage company on or about XXXX/XXXX/XXXX and spoke with XXXX XXXX XXXX ext XXXX, who explained that I was likely eligible for an unemployment program offered through Nationstar that would lower my mortgage to {$50.00} a month until I was able to obtain gainful employment, again. 
He explained that he would escalate the program and asked me to call back Friday or Monday of the following week. 
When I called back Friday, XXXX XXXX was available but said he would need to call me back. I never heard from him so Monday I called Nationstar again and asked to speak XXXX XXXX who was unavailable. I cant recall exactly what she said when I spoke with her but essentially she said that I would not qualify for the program. At that point, I became quite angry and unprofessional and eventually hung up on her.
I BEEN WITH WELLS FARGO BANK FOR XXXX YEARS I NOTICE MONEY BEEN MISSING IN MY ACCOUNT SAYING ITS OVERDRAFT FEES ETC THEY DONT CALL OR ONCE IN A WHILE SEND ME BANK STATEMENTS WARNING ME IF I DID THEY STILL TAKEN MONEY OUT MY I CALL AND BANKERS PUT ME ON HOLD WITH NO ANSWERS I FEEL THEY STEALING FROM ME I CANT TAKEOUT WHAT I DONT HAVE THEY OR SOMEBODY MAKEN A MISTAKE TAKEN MY HARD EARN MONEY I NEED ANSWER I SEE THEY GO LOT COMPLAINTS I DONT THINK ITS XXXXRIGHT TO STEAL IF U DO FROM THEM U GO TO JAIL BUT IS IT LEGAL TO STILL FROM HARD WORKING PEOPLE WITH FEES THEY DONT KNOW NOTHING ABOUT I CALL BUT GET NO ACTIONS
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVIENT with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX.
I was astonished once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 180 days past due as of XXXX XXXX to XXXX XXXX 120 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
I sent XXXX separate communications not to contact me about this alleged debt. They have not validated the debt and have not responded to any of my notices. I ask them to cease and desist communcation under the FAIR DEBT COLLECTION PRACTICES ACT 15 USC SEC 1692c ( C ), ( e ), & ( g ). They now owe me money for this violation {$21000.00} and as stated in my communications. I will attach copies of the notices, with proof of mailing.
Lender makes repeated telephone calls without leaving messages ; they contacted my spouse ( who 's not a co-borrower ) asking for me to contact them ; and, they called me at my employer. These actions violate the Fair Debt Collections Practices Act and are harassing.
This Debit Collection Agency called Enhanced Recovery is XXXX Around with My Credit Report, Ever Since XXXX From When They First Called Me Back Then. I Informed Them That the Account Was a XXXX Account Witch the Original Company XXXX XXXX XXXX Knew About the Account Being XXXX. The Person at The Collection Agency Had an Attitude Trying to Be Smart and Tell Me I 'm Going to Pay for The Account Regrade less it 's fraud Account or not. I Told Him I was not Going to Pay for a XXXX Account that was n't mine he Hung up The Phone. Ever Since Me and Him Got into It Over the Phone, at The Beginning of the year ever Since Me and Him Got into It. The Collection Agency Sneak and Put the Account Back on My Credit Reports After the Fact It Been Removed in a result of it being a fraud account, Where I Have to Dispute It Every Year, Last Year They Were Trying to Be Sneaky and Put the Account on Their Twice Not Thanking I Would Catch It. Just Today I Checked My Report and The Account was Back on Their, Where Had to Dispute the Account.
Requested XXXX original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.
I was shocked when I reviewed my credit report and found late payment on the dates below : -30 Day Late -XX/XX/XXXXXXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I pay my loan back in 2012 I pay my the amount of XXXX, but they are continue putting late fees on my credit account which does n't make sense because I paid that account back in 2012 and it should be close. it was be close by me and he was close by the lender. I have proven that I pay that amount the full amount that they were asking me to pay.
I received a call from Commonwealth Financial Systems on XX/XX/XXXX about an unpaid amount that was presumably pending with a healthcare provide in Ohio from XX/XX/XXXX. I explained to the caller that I had already paid everything from a brief visit in that location back in XX/XX/XXXX. My apt was very very near that location for three years and had never had any notice, call or request from that facility to pay any amount. I was also given a name of a person in that facility whom I have never met and specifically explained the same to the person from Commonwealth Systems. I explained that there must have been some kind of a mistake or mix up. Today XX/XX/XXXX, I received an alert on my credit report about a negative item. It is about the same amount and from XXXX XXXX. I had no prior knowledge on whether there was some inquiry, never received any proof of my owing that amount. I had a spotless credit report before that and have never owned any amount of money to anyone.
I applied for a refinance on an existing mortgage loan in XXXX thru Homeward Residential. After extensive paperwork, appraisal report, verbally told that loan was approved, lender stopped communicating with me. I call them up wondering what happened to signing of my loan document, I am told casually that my loan was rejected and a loan officer was supposed to call me. What happened to my rights as a consumer to be notified when rejected for a loan? I call XXXX of their executives to obtain an explanation, XXXX XXXX, I never get a courtesy response from him.
On Thu r. XXXX -17 th  e Direct or for Planet  Home Lending  argued with me about getting someone else to help me refinance my house. They request for documents that I already sent them. and wanted a new loan officer which was denied by  District Manager  in Florida by the name of  XXXX   XXXX . He was VERY RUDE to me and when I told him that I was going to turn him in and his response was that he did not care.They have my packet with a lot of personal information. I was promised a refinance. My loan number is  XXXX .   Would appreciate you help. My name is  XXXX   XXXX   XXXX  any question please feel to contact me either by regular mail which is at this address   XXXX   XXXX   XXXX   XXXX   XXXX   Ind.  XXXX  or e-mail,  XXXX  I am  XXXX  yrs old and a  XXXX   XXXX  and my doctor said no  STRESS!    Thank you!   Thu rs.  X/XX/2017
They keep sending me this!! I know it belongs to me!! I 'm not denying this point! Its just from back in XX/XX/XXXX and XX/XX/XXXX..And is outdated and should be off my file by now! It was all part of a Bankruptcy back in XX/XX/XXXX..Remove it! 

We have researched the credit account. Account # XXXX The results are : We verified that thisitem belongs to you. Additional information has been provided from the original source regarding this item. If you haveadditional questions about this item please contact:
I have asked several times auto pay form but bank did not send it but charged several times late payment fee.
Transunion will NOT take off my credit reportXXXX is reporting on my credit report for Transunionthis is a fraudulent charge ... .... After a year of fighting XXXX that it was not my debt XXXX has sent me documentation that the charge was not mine. 
Numerous occasions I have faxed the information and mailed the documentation to Transunion they have claimed they have not received. 
Fax on XX/XX/XXXX and put in mailFaxed on XX/XX/XXXX - dropped in mailFax on XX/XX/XXXX - dropped in mailagain on XXXX/XXXX/2015 to supervisor XXXX still they claim they are not receiving anything. 
I have received a fax confirmation that the fax has gon thru each timeconfirmed the fax number ; file number and Transunion confirms correct informationTheir response is they can take up to XXXX months to correct. Funny how that in XXXX year of disputing they can communicate with the collection companies via portal but the consumer when inaccurate accts. on report we have to fax ( which they never receive ) or MAIL. who mails anything. They just sent me today an updated credit report stating the debt has been verified but yet the letter attached claims this is inaccurate. 
I WANT XXXX XXXX XXXX OFF OF MY CREDIT REPORT ( TRANSUNION ) IMMEDIATELY.
ON aprx XXXX I filed a formal complaint against nationstar mortgage reguarding my escrow my cfpb case # given to me was XXXX turns out after seeing my new mortgage statement this company has shorted me XXXX in my escrow when I called them i talked to a person in another country and they cant resolve the problem. this company still has not resolved the first problem cause they still say I am short in my escrow and I am not! and they still want me to pay more money then I agreed to pay back to XXXX I was given 55 months to pay XXXX per mon when we remodified our mortgage. It appears the CFPB has not helped me resolve this matter cause nationstar mortgage does not take complaints seriously.
On XX/XX/XXXX, Chase Bank closed both of my credit cards, without notice, due to too many other new accounts opened. I called the bank and was told that there was nothing that could be done and the decision was final. I've never missed a payment, keep my balances low or at {$0.00}, and have had an account with them for four years ( one of my oldest cards ). All I want are my accounts reopened.
US Bank Has not sent me a of the year end escrow analysis, which was due XX/XX/XXXX by Law. They did send a notice saying they expect a shortage so send in {$980.00}. Now they 've sent another notice saying they now want XXXX and that I should send it in right away. The provide no escrow analysis, which again was due XX/XX/XXXX They also have not provided me with any accounting showing what my rate would be if I paid the amount and what it would be if I had it added to the monthly. 

By not providing the escrow analysis US Bank which was due XX/XX/XXXX US bank is in violation and is handicapping me with no accounting in which to make informed decisions. This is not very welcome on my behalf and it appears to be totally reckless, disregard to the escrow laws.