WillisBack/dataset-financial-user-claim huggingface dataset:
We applied for a mortgage on a property located one town due east and a distance of XXXX miles away from our primary residence. Our intention, which we disclosed to Wells Fargo Home Mortgage ( WFHM ), was to retain our primary residence and to rent out the property for which the new mortgage was being applied. At some point, we would demolish the structure on the property and build a new primary residence. We received a mortgage commitment from WFHM for the property. Shortly thereafter, we received notice of a very large Federal and state tax payment, as well as significantly larger estimated payments for the coming year. We disclosed the new liabilities to WFHM, including the fact that after a down payment and several quarterly estimated payments, we would essentially reduce our capital position to zero. However, WFHM somehow still argued that we could afford this other property, despite our pleading that it was not a wise decision. As a result of WFHM 's inability to issue a denial letter, the sellers disputed our exit from the transaction, settling with us for {$20000.00}. Upon further review of our loan application, we noted that, for some reason, our loan had been applied for as a " secondary residence '' loan, instead of as an " investment property. '' WFHM furnished us with definitions of both. Our intended use of the property very clearly comported with the definition of an investment property. In fact, the sales consultant who assisted us noted that investment properties carrier higher interest rates and larger down payments to offset the additional risk to the bank. In early conversations with said sales consultant, she noted she hoped for an underwriter located far from New Jersey so that the underwriter would not realize how close the properties were located to each other. She also informed a Wells Fargo relative of ours that she was not going to inform underwriting of the fact that we intended to rent the property. As a result, the application was processed as a secondary residence. We argue that the application should have been processed as an investment property. More importantly, had it been, we would have been provided with more accurate information as to interest rate and down payment, information that would have been materially different from that required under a secondary residence - information that may have had an impact on our decision making. Our decision to enter the contract was based upon inaccurate information. We were not given the chance to consider the economics of the transaction had it been processed, accurately, as an investment property. We took steps to understand how/why WFHM processed the application as a secondary residence but, to date, have been unable to do so. The initial sales consultant will not answer any of our questions. An e-mail to her supervisor went unanswered. We lost {$20000.00} in this transaction, and WFHM can not simply find it convenient enough to answer a very simple question. We believe this application was knowingly processed incorrectly to increase the chance of the loan closing.
There is a balance showing on my credit report for a mortgage I had with CIT Bank N.A.. This property was sold in XXXX of 2016. The property address is XXXX XXXX XXXX XXXX XXXX NC XXXX The balance showing is {$27000.00} I have made numerous calls to this bank and no one can ever find this loan. I have given them my SS # to try and locate the loan and no one has ever been able to help me.
I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..
I was a student of XXXX College XXXX XXXX, XXXX, California before its closure on the XXXX of XXXX, 2015. During the course of my stay at XXXX XXXX Loans were obtained. I have been paying the monthly bills up to XXXX, 2015. 
I received a letter from University Accounting Service, LLC of the transfer of the loans, however not all the loans. Please, assist me in this situation. Are all the XXXX Loans in the Loan forbearance? Do I still continue to pay the required bills? Please, help.
Keep receiving lettets stating I owe a creditor called XXXX XXXX XXXX and I have never even heard of them
XX/XX/2018 Rodenburg Law Office on behalf of XXXX XXXX  and XXXX XXXX issued a Levy on my bank account even though, after several emails with attached proof of SSI benefits as my only source of income. They sent garnishment documents to my small town bank who inturn froze and levied {$1000.00} from my account which left me when no money. 
My income solely stems from social security which is Federal and State protected from garnishment.

In addition, Rodenburg Law Office was fully aware of my Bankruptcy filling but went ahead and broke federal and state laws.
Equifax has been non-compliant with removing the unverified accounts ( XXXX XXXX, XXXX   XXXX ) which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that ( account name ) was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I recently paid off a collection on TransUnion in the amount of {$140.00} for XXXX XXXX XXXX. This account was updated as paid in full. As of today, this account was placed back on my credit report as if I owed the money. I have already sent them a receipt of where the account was paid off. This is hindering being able to qualify for my loan for my home.
While I was in bankruptcy from XXXX to XXXX I had my Mortgage modified to 2 % and was making payments of XXXX. After some time NaitionStar bank pulled the modified terms claiming the the person who did it did not work there then they said she was not authorized. Clearly someone authorized it and the banks computer system was taking my modified payments. I ended up making several payments over XXXX during my bankruptcy. I ran into financial trouble and missed some payments and was under the impression that because I was in bankruptcy I was not required to make payments. When I tried to pick up on the payments I was told that was not enough. So since the terms and interest rate was changed for 2 % to 7.875 % there have been XXXX thousands of interest over charges and the told me I had to pay {$250000.00} when the principal balance is only XXXX At any rate I am going through another modification attempt to reduce the balance and make the payment amount 30 % of my current income. I have been granted a Trail payment plan for XXXX from XX/XX/XXXX to XX/XX/XXXX I have submitted all the required documentation to reapply for the FHA HAMP modification program. The websites states it could take up to 30 days for NationStar to process. However I was told by XXXX XXXX around XX/XX/XXXX that they will do nothing until all XXXX trail payments are made. He also told me the loan terms will stand as is and not change. So they have clear blatant disregard for the HAMP program and have no intention on modifying my loan terms as it could be under HAMP. 

Attached are approval letter for the Trail payment, screen shot showing they have all required docs for the modification, Mortgage statement showing a minimum payment over {$260000.00}, And a Nationstar screen shot showing the principal balance with the raised interest rate of 7.875 %
On  XXXX / XXXX /   2017  I disputed  XXXX  hard inquiries online through Equifax that was not authorized by me. Equifax told me that I had to contact the creditors directly and I did that as follows and none of the creditors was willing to remove them because they dont know how to remove them. I then called Equifax and told them the situation and they told me that they could n't remove them as well unless they had a notification. Somebody is not telling me something and I need those hard inquiries removed.  XXXX  of them are from  XXXX   XXXX   XXXX  and  XXXX  of them is from  XXXX   XXXX   XXXX  services.
I opened an account with XXXX for a Walmart credit card and made one large purchase in XXXX 2015. I called around the end of XXXX/ beginning of XXXX to say that I do n't believe that I have received a bill. The person took my checking account info on the phone and ran the account and I set up auto pay. I thereafter found out that the checking account number that was entered was wrong and attempted to correct. I have made payments every month and have attached payment history.
This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was  uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.
today is XX/XX/XXXX of 2018 i got an email that there is a change on my credit report. 
Im trying now to pay my credit cards so my credit score will go up.Any way i sign in to the report and i see that was an inquire under my name and social security.

I suspect for long time that my credit score is low .cause im always paying my credit cards on time .The reason i thought is law, my husband had an XXXX card and he got for me also a card .Ans he straggle paying it and XXXX close his account and it react his credit. 
but this morning when i got that email i got really scared .a few weeks ago someone used also my debit card but since i check my online banking everyday immediately i called my contact at the bank and they issue for me a new card. 
i will attach the email i got and so is my credit score page Visit Capital One Theres been a change to your XXXX  credit report. 
Heads up : A lender requested a copy of your credit file. 

Visit the Alerts section of XXXX  from Capital One to review a recent change in your XXXX  credit report. To protect your privacy, we arent including any confidential details here. 
Sign in soonstaying on top of your credit can help you defend yourself against potential fraud or identity theft. 
Sign in to XXXX Download the XXXX mobile app, if you dont already have it. 
( This is the email i got today ) Ill attach a screenshot of my credit page
There is a collection charge on my credit report that is not mine. I have not had any type of auto loan since prior to 2009.
I have contacted XXXX on several occasions. First for several inquiries that I was not aware of on my report plus being a victim of one of the millions whom information was stolen. I advised them that one account on my record is not mines because I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX of {$990.00}. I am not responsible for this debt so please deleted it from my report. I have contacted XXXX on XX/XX/XXXX, XX/XX/XXXX and they will not removed nor verified the information. I have sent in an inquiry dispute letter on XX/XX/XXXX they sent me a letter stating it was completed on XX/XX/XXXX. I called in to ask why was it completed because there was no way it only took one day to verify the information. I submitted another dispute on XX/XX/XXXX and the same thing completed same day. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer  reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX 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 XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Thanks in advance I have also added a fraud alert to all my reports.
The debt collector, XXXX XXXX XXXX XXXX is trying to obtain a debt in the wrong amount. If this debt is in regards to a credit card from XXXX XXXX ' XXXX, the balance on the account never exceeded over {$1000.00}. The balance on the account remaining was around {$400.00}. The debt collector is trying to collect a additional {$800.00}. Please verify the correct amount owed with XXXX XXXX ' XXXX without the additional interest or late fees tacked onto this account. I will not come into an agreement with the balance of {$1200.00} as the charge on the credit card never exceeded over {$1000.00}.
Nationstar Mortgage has been taking money out of my account every 2 weeks since XXXX 2015 when I enrolled in their " Equity Accelerator Program ''. They have been misapplying payments to my account and now there are late fees and I 've been getting harassing phone calls from Nationstar.
No documents no verification through the debt collection Company XXXX XXXX just saw this from a alert on my email that my account was in collection XXXX buy a company XXXX payday loan of {$840.00} never request or apply for a loan online I usually do it local. XXXX XXXX XXXX is in violation of only Fair Labor practice did not notify me just popped up on my credit report XXXX as a collection
i am not sure of the balances but before i turned XXXX on XX/XX/XXXX my mother discovered someone used my information she contacted XXXX XXXX and XXXX XXXX they closed the account due to fraud. she than contacted experian credit bureau to make sure the accounts were taken off of my credit file. They had her submit multiple documents back in XX/XX/XXXX. The accounts still were n't removed when I turned XXXX in XXXX I contacted them again they made me submit the same documents in XXXX of XX/XX/XXXXand the accounts still remain on my credit file. The customer service rep even attacked me like it was my fault some used my information fraudulently. I do n't understand if the company closed the account due to fraud why experian as not deleted the information
I got this credit card about a year ago, and was not educated on credit. I called Bank of America to see if we could work something out but they have just increased how much I owe & shut the card down. Im a student and I cant afford this honestly, and its just tanking my credit. I didnt even know that it was happening until I downloaded XXXX XXXX and it showed on there that my credit was so bad. I owe {$680.00} on it and I dont even think I spent {$500.00}. Its just been interest racking up. I hope you can help!
This company failed to respond to my request to validate this debt. They have reported this account to all XXXX credit bureaus.
I took out a XXXX mortgage line of credit a number of years ago through XXXX XXXX XXXX Bank. I paid every payment on time. XXXX XXXX XXXX Bank was bought out by BMO Harris Bank several years ago. The line of credit loan continued as it had with XXXX & XXXX Bank. I continued to make payments on time, never falling short even one time. In the fall of XXXX I received a letter from BMO Harris bank stating they were discontinuing this type of loan and called the note due in XXXX XXXX. Even though we were very ill prepared to refinance, we took the fall to attempt to prepare our home and our finances for this transition. I went XXXX Bank to secure a mortgage to pay off my XXXX mortgage and the note demand from BMO Harris. When our home appraised for less than we hoped, we had to shift to a XXXX and XXXX mortgage. 
We were able to secure a payoff on our XXXX mortgage with XXXX Bank. We requested and received a payoff amount from BMO Harris Bank, however after accepting our payoff check, they decided to add a very large fee and refused to release the note. I have contacted BMO Harris Bank several times in this matter and they insist on charging this exorbitant fee. Large businesses such as these have a big advantage over the general public. They can bully the average consumer like me since I have no resources to battle against them. I struggle from paycheck to paycheck while they simply expect me to fork over an additional {$900.00}. This is a predatory practice that should not be allowed. I have faithfully paid my XXXX & XXXX mortgage on time, every time to XXXX Bank since. 
I do find it very strange that a company that I never seeked to do business with now has a stranglehold over my life and finances. To a normal middle class working family, this seems mighty unfair. I would appreciate some intervention in the matter. 
Thank You XXXX XXXX XXXX XXXXXXXXXXXX
Our original home loan was closed through XXXX on XXXX XXXX, XXXX for a 30 year fixed loan at a rate of XXXX. XXXX was underwriting for Bank of America. In XXXX I was laid off twice in one year and XXXX negotiated a new terms, with Bank of America, for our home loan to make it affordable. The new terms were for a 40 year fixed loan ( XXXX does not do adjustable rate loans ) at a rate of XXXX. The modified loan closed on XXXX XXXX, XXXX. Last XXXX my wife noticed that our online mortgage account reflected that our rate was adjustable as well as our statements. We checked our closing paperwork and nowhere did it reflect an adjustable rate mortgage. We contacted XXXX who also confirmed that our loan is a 40 year fixed. Over the course of the past 10 months, XXXX has had several communications with Bank of America, where the bank has admitted that our loan is a 40 year fixed rate loan and has agreed to correct our file, but has yet to do so.
Freedom Mortgage Corp - They keep sending me mail and I have to opt out to quit receiving their mailings. I NEVER Opted in. When I called their telephone number to opt out, they made it difficult to opt out, kept saying they did n't understand my voice commands to opt out,. These people are predators and need to be prohibited from conducting business. 

XXXX XXXX
I acquired a new mobile number in XXXX 2015 for business purposes. Not long afterward, I started receiving calls from various creditors of the person that previously had the telephone number. Generally, an explanation would clear up the matter right away. Not so with Navient. For months now Navient has called my line multiple times a day, even after I called back to explain that the student that it had on file no longer had this number and being assured that my phone number was deleted from its system.
SPS is in violation of CFBP rules, CA HBOR and RESPA guidelines. 

At issue is a short sale request that was submitted on XX/XX/18 and SPS refused to open the short sale request stating they need a package 60 days prior to a sale date. This is in direct violation of RESPA CFR Part 1024 ( Regulation X ) which clearly state lenders must review for any loss mitigation offers if the file is received within 37 days, excerpt below ; ( c ) Evaluation of loss mitigation applications - ( 1 ) Complete loss mitigation application. Except as provided in paragraph ( c ) ( 4 ) ( ii ) of this section, if a servicer receives a complete loss mitigation application more than 37 days before a foreclosure sale, then, within 30 days of receiving the complete loss mitigation application, a servicer shall : ( i ) Evaluate the borrower for all loss mitigation options available to the borrower ; CA HBOR requires lenders and servers to help homeowners avoid foreclosure. By illegally demanding docs 60 days prior to a sale date when CA residents don't get 60 days notice of a sale date and it's a violation of RESPA guidelines then SPS is breaking CA HBOR laws.
very very very old debt, out of the statute of limitations, paid in full years ago, and the company has a collection agency attempting to collect the same debt again and its expired from 6 years statute ... I have sent them cease and desist letters and they have not complied. please help
on XX/XX/2016 I went online and purchased an auto part for a car repair. I called the online company later that day to cancel the order they told me that it would take 2 to 3 business days for the credit to hit my account. On XX/XX/2016 I checked my account online and I noticed the charge for the part as I scrolled down to XX/XX/2016 I noticed the credit back into my account so I contacted Chase and asked the representative why is the credit to my account being offset by the charge? He said this is the way chase post a credit into the account. I said it 's basic math that a negative and positive gives you XXXX so where is the credit back into my account. He of course says it was done on the day of the charge but if on that day my account had XXXX dollars and the part cost XXXX then my balance would be XXXX so if I cancel the part then I should see XXXX credit back to my account. But that 's not what happened Chase is inflating my balance with the credit with the retailer cancelling the charge by offsetting the charge so it 's a wash like nothing happened but there is no credit back to me. Chase is back posting which is not correct the posting ledger should work in real time not posting credits and debits based on their best interest.
I checked my XXXX bank account online last night and noticed that Navy Federal Credit Union conducted an unauthorized charge to my XXXX bank checking account by the collections supervisor XXXX for a payment to a closed credit card account. When we contacted her today, she stated that my wife XXXX ( who was a card user only ) was the one who authorized the ACH charge to XXXX according the the NFCU recording of the conversation XXXX listened to. 

XXXX stated that the recording is NFCU property and we can not listen to the recording. We asked her to escallate this problem to NFCU management. 

We do not believe the response from the supervisor and would like to hear the recorded conversation for ourselves. We would like to escallate this complaint to senior management at NFCU. 

My wife XXXX and I " DID NOT AUTHORIZE A CHARGE PAYMENT TO OUR EXTERNAL BANK via ACH as the supervisor stated that was in the recording. 

We would like to hear the recording to confirm that we authorized an ach payment or allow an independant person within Navy to produce a transcript of the conversation recording. 

Since we are disputing the unauthorized charge to our external bank account we should have the right to hear what the recorded conversation states contrary to what the supervisor states. 

Please feel free to contact me for more details. 
Regards, XXXX XXXX.