WillisBack/dataset-financial-user-claim huggingface dataset:
PNC Bank mistakenly withdrew over XXXX from my account on a check that was not mine, nor did it have my account number on the check. I am closing on a house and moving today. I called the bank several times this morning and was told the money can not go back into my account for 24 hours. Well this is unacceptable. I needed the money put back into my account swap and explained what was going on. They said sorry, that 's their policy. When I ask to speak to someone else, I was told there is nobody else for me to speak to regarding this issue ( this was customer service telling me ). So now I am scrambling trying to get money together for closing this afternoon and not sure if I will be able to get that much together. They have left me with XXXX money for something they did wrong.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete. 

XXXX  XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
I contacted all three credit rating agencies regarding an item appearing on all three reports. XXXX and XXXX both removed the item as it had been on my credit report for 7 years. Equifax shows it with a deletion date of XX/XX/2016 while the other agencies had it with a date of XX/XX/2016. Item is an XXXX XXXX item in the amount of {$1100.00}. Acct # on Equifax is XXXX Clearing these items is critical to a house purchase we want to make and this item is impacting my score. Requested they remove as XXXX and Experian had done. They simply sent back notice saying that Consumer Disputes This Account and took no further action. Equifax records should be in sync with XXXX and XXXX. Please request Equifax remove this item from my credit report.
Accepted promotional offers for 0 % interest terms. Paid one entirely and the second expires in XXXX 2018. Company charging interest on second transaction when not supposed to.
Company claims that they are collecting for a company that I have never heard of but they have all my details, called ex husband that I have not spoken to in years with threats and false accusations demanding that he tracks me down to call them. I think that they are the same company in the past pretending to be someone else. When I call the number they refuse to send anything in writing, They become aggressive when I refuse to give them money over the phone, threating to have me arrested and my social security and credit ruined.
I 've been a victim of fraud on 2 occasionXXXX on my credit report. One is from Capital One on XX/XX/XXXX. The one is XXXX XXXX inquiry on XX/XX/XXXX.
I was informed on  XX/XX/XXXX  that on  XX/XX/XXXX  I called in a decided to dispute all accounts that were on my credit report and have them disputed when that isnt true. I am a victim of identity theft and im treated as if im the wrong do-er! I call in and all of a sudden put in a department called ( CONSUMER AFFAIRS IN EQUIFAX ). I called several times after seeing that my credit report had changed significantly after my identity was stolen. I was hung up on by a Lady in that department her name was   XXXX   XXXX  , I was hung up again on  XX/XX/XXXX  by   XXXX   and lastly by  XXXX  in Fraud department! Ive never known so many people to hang up and treat a person thats a victim like this. The accounts that were put back on my credit report ill list below, but I have contacted them and they said that someone from Equifax personally reached out to them and remind you this was after this account was deleted and removed from my report! (   XXXX   XXXX   ) also contacted   XXXX   and  XXXX  they also stated they received a electronic response on the XX/XX/XXXX  I didnt authorize this and im very upset about this!
state farm bank {$35000.00}, harvest associates $   XXXX  - {$510.00},   XXXX   XXXX   {$260.00} - {$230.00} and 4  XXXX  accounts. Inquires that should only be on there are   XXXX   XXXX    and   XXXX   XXXX   XXXX  . Equifax consumer affairs pulled my credit without my consent and it caused my score to drop  XXXX  points. After being lied to by ms.  XXXX  and   XXXX   XXXX   that no one pulled it and my score culdnt go down if they did pull it.   XXXX   XXXX  , 2   XXXX   XXXX   accounts and   XXXX   XXXX   XXXX   should be the only accounts listed. But Equifax you have forcefully put old accounts that were verified as not mine on my credit report and I asked you to stop the disputes once i found out  XX/XX/XXXX and you refused and I told you i had rights and would contact the FTC and you stated   XXXX   XXXX   that i needed to do what i needed to do! so i am! So please remove these accounts because they are not mine is all im asking. Was no need to monitor and report my account because i call everyday to make sure that my credit is correct. I have rights as a consumer and i refuse to be treated like im not a victim when i am and all i wanted was truth and to be helped!
IQ Data International Inc. claims that I owe them {$1900.00} and they have failed to prove validation of debt. There is also someone listed as a co-debtor and that person does not exist.
I am just lost foe words now I do not know whom to talk to or reach out to, this has been going own since XX/XX/2015, I was originally approved for a Deed in lieu moved out home moved in with my mother in law, had inspectors com to home several times, kept getting the run around stating we need this we need that nothing, call in get transfer to everyone but whom is over the account, ok now we found someone to buy the home got an agent to help us we are still getting the run around, stating we need this we need that, my agent sent over everthing an I even sent the paperwork on my behalf as well. Im just so tired of going back an forth with this Company Select Portfolio Servicing, I dont know whats going own over there but something needs to be done because for number one they have are not organized no one no nothing an im tired. I expressed to them that I am not able to afford this home due to my income & hours dropping. Can someone please help or direct me where I need to go to get this situation done an over with. I am mentally drained
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXXXXXX XXXX put to collection Portfolio Recovery the amount of {$490.00} opened XX/XX/2016. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX XXXX to find out why they put me in collections. I contacted XXXX XXXXXXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX XXXX I decided to contact again XXXX XXXX XXXX  by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX   and XXXX  or provide me any signed documentation or any other proof of me authorizing this account.
In  XXXX    XXXX  , my husband and I began the process of looking for a home loan.  Stearns Lending  was recommended to us by a realtor who worked with Stearns. We applied to see what we qualified for and the lender,  XXXX   XXXX  informed us that we could qualify for $  XXXX . We were excited and began shopping. On  XXXX   XXXX , we found a house in  XXXX , MN. We made an offer the following day and our offer was accepted the next day. We asked the lender if they would be able to accommodate the closing date of  XXXX   XXXX  and we got a resounding yes!   So, the process began, we had to provide them with statements, bank accounts, letters, etc Each requirement we have provided and yet there always seems to have a blockage with  Stearns. There was a period of about 3 weeks where we could not get a hold of the lender ; they never respo nded to any of our emails nor returned or calls. The closing did not happen  XXXX   XXXX . It was extende d 3 more times with excuses ranging from a family emergency to the appraisers not showing up at the property. The worst part is my family and I must pay another month of rent because the closing never happened. Our credit was pulled 2 more times after the initial application due to the postponed   closings.   Then after 2 months of excuses, we finally decided to go with another lender. And they got get our house closed in 9 days!    Stearns  dropped the ball numerous times and their apology was not substantial. They discounted some fees for us because of the circumstances but that would not be enough for the he aggravation, worry and time they have wasted.
XXXX XXXX, A.K.A. Navient, purposefully denied receipt of written correspondence that specifically requests for help. 

In XXXX, I was able to work as a loan underwriter for several months. I learned how interest rates and the number of loan periods can affect the total finance costs of a loan. I realized that forbearance and interest only payment plans do not add help to the overall financial health of the borrower. 

Normally, when I ask XXXX XXXX, A.K.A. Navient, for help, there are a couple of standard responses that include forbearance & interest only payments. This help would temporarily allow me to survive the next couple of months, however, forbearance & interest only payments actually make my situation much worse as these temporary situations will come to an end and I will be left with a larger economic deficit. The idea is that after a couple of months, my financial situation would magically change and Id be able to afford payments. However, this is highly improbable to occur. The end effect is not help but distress. 

I currently owe about {$200000.00} in student loan debt and given the magnitude of this long term liability, I will need more than the average increase in income to survive than say someone with {$30000.00} in student loan debt. I realized this during XXXX of XXXX and decided to reach out to XXXX XXXX ( Navient ) and ask for a real, permanent solution to my financial situation. 

On XX/XX/XXXX, XXXX, I sent a successful fax to XXXX XXXX at XXXX, see FAX pg 1 PDF through FAX pg 5 PDF, which requested interest rate hardship status. I provided a graph of my economic situation and mentioned previous conversations with XXXX XXXX regarding solutions that were offered to me for help. I also asked that XXXX XXXX stop compounding interest. This would stop additional interest accruing on interest. I provided financial information to prove that I had negative capacity to pay my liabilities. 

After I submitted the fax, I called XXXX XXXX ( Navient ) about week later and they denied receiving the communication. The XXXX XXXX, A.K.A. Navient, representative sounded a bit suspicious, as if she didnt want to admit that such a letter even existed. I later checked online to see if any received documents were uploaded. To my dismay, my fax was not found. The fax cover, see FAX pg 1 PDF, proves that the fax was successfully received with the marker OK. At the time, I was scared of XXXX XXXX ( Navient ) and didnt push the letter. 

My question to Navient, A.K.A. XXXX XXXX, is as follows : Why did XXXX XXXX ( Navient ) deny receipt of my letter when it was clearly received? What reasons would there be to deny borrowers acknowledgement of their written communications?
Titanium funds and XXXX XXXX are reporting the same debt on my credit file. They are double reporting and this is a violation of the FCRA!
I have been a customer and Lowe 's credit card account holder since  XXXX  of  2005 . As a homeowner having and maintaining this account is almost a necessity. Over the past 12 years I have managed the account responsibly. Recently, due to incid ents ( errors ) to no fault of my own, my credit score was negatively impacted. The first incident involved my mortgage company incorrectly reporting payments, this incident was corrected and the company apologized. The letter is included for your reference. Unfortunately, around this same time, I had my smartphone stolen from a gym bag and as a result someone attempted to compromise my  identity. Despite both situations being fully remediated I am still feeling the impact from it because of what unknowing creditors are doing based on their due diligence processes. Rece ntly my Lowe 's credit account credit limit was reduced from {$8300.00} to {$3100.00}. This is caus ing further direct damage to the creditworthiness of my family and jeopardizes many plans that we have for college for our children and life in general. Credit utilization impacts your score so now it appear we have a " maxed out '' account. This has happened to other credit accounts closer to the initial happenings that caused the damage so I thought I was in the clear. But when this happens it is usually followed by a domino effect of other creditors doing the same thing. Also, to compound things I have had extreme difficulty logging in to the Lowe 's Credit website lately. I have had the same login information for quite a while but often the picture token i s not recognized and the answers to the security questions are not formatted correctly it appears.
I have disputed information with Experian credit reporting agency and each of the listed creditors with documentation of errors listed on my credit report and the errors are still listed on my Experian Credit Report. I called Experian on XXXX/XXXX/2016 and spoke with a rep named XXXX and he stated that they contacted the creditors and the creditors state the information is accurate even though the report is showing the errors.
My home caught on fire XX/XX/2018. I filed an insurance claim with my insurance company and used the contractor that the insurance company recommended. My company required that the contractor complete some documents and submit contactors license. The mortgage company made two major mistakes. 1. Waived ( at the request of the contractor ) the requirement of the contractor to  provide a copy of their license, because they incorrectly thought my property was in Texas. 2. Released the first payment to the contractor without insuring that all documents were completed as required. As a result, this company has subcontracted out work to people that has failed to obtain permits prior to working on my home. This city issued request for the contractor to obtain permits for electrical, mechanical, and plumbing. The company applied for permits, but never completed the work. The permits have expired several times, my home has been broken into and copper piping stolen along with other damages. The windows were installed with gaps all around the edges, walls put up without complete insulation, siding is falling off of the house, heat damaged, broken concrete remains in the garage ( where fire started ), subfloors continue to weaken due to delamination, and the home is showing signs of mold. The insurance company has since dropped my insurance coverage and the contractor has not done any significant work on the home in almost one year. I can not obtain insurance on the home due to the open claim and incomplete work. I continue to pay utilities and mortgage on the home and had to pay to have a security system installed and pay for monitoring. My mortgage company refuses to release money from the claim and my city is calling me into court to answer to expired permits, incomplete construction, and code violations. I have been told that if the issues are not corrected, I will be fined and/or jailed.
Our current servicer ( 1of 6 servicers dating back to XX/XX/XXXX ) is SPS. Our mortgage originator was XXXX  XXXX XXXX XXXX ( who has been out of the mortgage industry since XX/XX/XXXX ), on XX/XX/XXXX, of whom 3 months after our closing bundled, pooled and sold our mortgage to unnamed investors, with XXXX XXXX XXXX as Trustee. XXXX was the XXXX XXXX of XXXX  XXXX. Their attempt to securitize these mortgages in the pool " failed '' they were not securitized properly. After over 50 attempts of submitting completed loan modification applications dating back to XX/XX/XXXX to all 6 of the servicers who took over our loan, it begs the question, will this complaint to CFPB make a difference? Do each and every servicer have a compiled view into the history of hardship that we have endured and that we have brought to the surface. Our struggles, pains, vulnerabilities, fears and the reality in which live every single day dating back to XX/XX/XXXX I can only have hope that this letter of hardship will make the difference as despite everything we have been through I still believe in human decency and the housing system. Simply put ; We have raised our daughter from a small girl into an aspiring XXXX XXXX in our beloved home. We have raised our son from a young boy into a United States XXXX in our beloved home. On XX/XX/XXXX, Our Son, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, lost his life serving our country. We have cared for an aging parent with a XXXX XXXX of XXXX in our beloved home which impacted our ability for one of us to continue XXXX due to the growing medical needs of an ailing parent, yet we endured. We have had countless family gatherings and holidays full of joy, in addition to gatherings of sadness not knowing if it would be the last time we would be together in our home, our beloved home. The stress on our marriage due financial troubles and repeated mortgage modification denials, yet we continue to stay strong together hand in hand and gainfully employed. We endure. All the while of submitting over 50 applications for Mortgage Assistance across many mortgage servicers and the associated stress and angst of repeated mortgage denials by the loan owner/investor, yet we endure. Our mortgage has been passed along to a new servicers nearly every ( 2 ) years. Where we continuously on board new servicers to the actual history of our mortgage, tell our story, at the encouragement of each servicer, hanging on their every word, we continue to apply for Mortgage Assistance and we wait. Will this attempt make the difference, or will it result in another denial indicating that investor or loan owner does not authorize loan modifications. Please accept this appeal for a loan modification and request for outreach to the investors or loan owners for permission to modify our mortgage.
I have a home mortgage with Home Point Financial corporation. Prior to receiving an Escrow shortage letter in XX/XX/XXXX I was paying {$1400.00} every month. The escrow letter shortage stated if i paid {$460.00} by XX/XX/XXXX my mortgage would only increase to XXXX. If I did not pay the shortage in full my new monthly payments would increase to XXXX effective XX/XX/XXXX. I contacted the escrow department with Home Point Financial and paid in full, over the phone, {$460.00}. I was advised to start paying XXXX for my monthly mortgage. ' I have been in Bankruptcy for approximately 2 1/2 years but my mortgage is not included in the bankruptcy payments. I do not receive a bill or statement for my mortgage due to Home Point 's policies in dealing with individuals in bankruptcy. In XX/XX/XXXX I received a mortgage statement from Home Point indicating I owed {$4600.00}. When I called Home point for an explanation they told me that " someone '' dropped the ball and did not apply my escrow shortage to my escrow account. As a result, i was being billed XXXX every month and my XXXX that I would submit every month went into a " Suspense Account ''. So I was told it was there mistake and they would rectify it with a new escrow analysis and apply the funds i have been paying for the last 9 months plus the shortage to the proper accounts. That was 2 months ago. I have spoken with heir bankruptcy department no less than 20 times and have been told most recently that my account has been elevated to the Bankruptcy manager at Home point. That was a month ago. I was told several reasons for the delay. None of which are true. the first excuse they gave me was I didn't ask for an escrow analysis after i paid my shortage. When in fact I asked 3 times during the month of XX/XX/XXXX and was told it was being worked on and it would take 2 weeks. It was never done according to what i am being told now. The second reason for the delay is Home point says they are waiting for approval from my lender. In any event. i called this situation to their attention over 2 months ago and i am still being billed XXXX. i  have done everything Home point has asked of me. I pay my mortgage on time. I paid my escrow shortage in full on time. And this is what i get in return. I have contacted my attorney, i have filed a fraud complaint with the Federal Trade Commission for improperly using a suspense account with my money that should be applied to my mortgage.
I have not been notified properly via certified mail and am willing to pay the full amount today but would like for the account to be deleted off of my credit report due to the fact I would like to have a clean slate with the university.
Experian reports a balance owed and the account in open status for the XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX. This XXXX line, was discharged per the foreclosure events which occurred in 2011. Oregon law as statutes in House Bills 3656 and 3004 are clear that where the XXXX and XXXX loans were issued at the same time and both are held by the same beneficiary ( the actual lender of money ) at the time that the XXXX loan is foreclosed on, the beneficiary can not seek a deficiency on either loan. Therefore, it is incorrectly reporting a balance due. Accordingly, XXXX were issued ( and are attached to this notice ). Finally, XXXX and XXXX report the balance correctly at {$0.00} -- and I 'm asking Experian to do the same.
Hello, My complaint is fairly simple so forgive its brevity : The equifax corporation has not supported credit freezes through their website as required by law in that their online login system to do so has been down since at least XX/XX/XXXX, that i can prove here. 

My several attempts to contact the company regarding this are met with an admittance that this is a known issue but no timetable to completion of a fix and no really interest in allowing me to talk to those who might be able to fix it.
On XXXX/XXXX/2016 i discovered a collection account on my credit report i did not recognize and have never gotten any correspondence about I immediately disputed it with the credit reporting agencies and directly with the collection company. On XX/XX/2016 i received a letter from the collection agency dated XXXX/XXXX/2016 stating they could not verify and they need more time. On XXXX/XXXX/2016 sent a response stating that I am not allowing additional time and that all collection activity me stop. To this day the account is still on my credit file this is a fraudulent entry due to the fact that I never got any communication about the alleged debt from them and now they can not verify it.