WillisBack/dataset-financial-user-claim huggingface dataset:
I was trying to refinancing an FHA loan, my actual loan amount is {$220000.00}, the lender Network Capital funding corporation want to do a conventional and they changed many times the numbers, last Loan estimate was that my loan amount will be {$230000.00} included the closing cost and the escrow. They ordered an appraisal, that I paid {$470.00}, and came out {$370000.00}. The lender sent me the closing disclosure with {$230000.00} my loan amount with a closing cost increased for almost {$4000.00}. When I asked explanation they said that I told them that my house had a value of {$380000.00} so they have to charge me XXXX points and other stuff. They did n't send me a revise Loan estimate and my house is not under value. They keep calling me saying that I will save so much money and in six month I can refinancing again with {$0.00} closing cost. They insisted that my new loan would be so convenient for me and they said that the numbers changed because the appraisal came out {$370000.00} instead of {$380000.00}, before they were giving me a lender credit than after they just increased the closing cost with {$0.00} lender credits. They called me again last week, XXXX, saying that they want to fix it, he said that he really care and he want to close the loan, after almost an hour he proposed me 25 years refi loan, I told hm to send me everything by email, and only after see the numbers I would decide it. He sent to me and the numbers changed again, I sent email asking to fix it and asking the reason for the changing, no answer to all my emails. This company is ridiculous, they give you only loans that are not convenient they tell you numbers and after they change everything, unprofessional and very dangerous, I want just my money for appraisal back. Thank you.
I was never notified that I had not paid my credit card debt online. The last statement I received was in early XX/XX/XXXX, but there were no attempts made by Bank of America to contact me regarding my payment for XX/XX/XXXX being late. I spoke with XXXX XXXX of Bank of America in an online chat on XX/XX/XXXX, and she told me that it was not up to the bank to inform me that I had to pay a debt ( which I believe is not true ). The past due amount was {$25.00} and the total balance was {$68.00}. This debt negatively impacted my credit. I only contacted Bank of America when I happened to check my credit score and saw that it had been lowered due to this debt. Bank of America made it clear that they had no intentions of making any attempts to collect the debt owed.
I cashed in a CD XXXX XXXX in the amount of {$2400.00} and USAA said they would send the money to my XXXX on the XXXX. it never got there. I have been calling USAA and now they said is was not sent until the XXXX.. To day is the XXXX. and still nothing in XXXX account. I asked for interest on the money and they said they could not because I do not have a account there. All I get is the run around from USAA. They keep sending me from one person to another with no results
While reviewing my credit report, I see a credit inquiry from Synchrony Bank made on XXXX/XXXX/XXXX for XXXX XXXX XXXX. I sent a letter to the bank on XXXX/XXXX/XXXX requesting that they remove the inquiry because it was NOT made by myself nor given the authorization to do so and also asking for documentation supporting this inquiry. I received a response on XXXX/XXXX/XXXX stating that it was submitted electronically online and that they are NOT able to provide proof that this was made by me. I 'm XXXX sure that I did not inquiry about a credit account with this bank, especially for XXXX XXXX XXXX. With all the different kinds of identify fraud being used on computers. Anyone can try to obtain credit in someone else 's name especially in the event it 's not done in person with proof of them saying who they say they are. For a company not able to provide me with proof is very alarming and violates my Credit Reporting Act.
I started this loan on XXXX XXXX XXXX for XXXX. I wanted the loan at first to help pay off my car, but I soon found out that I did not want the loan however it was still processed into my account. I used the money to pay for my car, however the interest on this pay it now loan was incredibly high making it nearly impossible to pay it off. I was making small XXXX $ every week that I got paid and once I started a new job they was taking it out every other week. I eventually was n't able to pay them anymore. And I wanted them to understand that I am a struggling XXXX XXXX who has a medical condition that I have to pay for my medicines out of pocket. In XXXX XXXX XXXX my car was repossessed, I tried to explain to Genesis Financial that I will not know when I will be able to pay them because my car was really important for me to have. At this point I had restablish a monthly payment of XXXX dollars a month to them, unknown to me this loan had quadruple in amount and I now owed XXXX. I told XXXX XXXX the " account manager '' that I did not know when I 'll be able to pay, and he said that I was non compliant. He threaten to sue me and him and XXXX used words like good luck in court and we hope that you have a good lawyer and hanging up the phone as I am desperately trying to understand how this escalated. They said that I was aggressive, and I threaten them but they somehow cant find the records of the phone call. I looked up consumer laws and I have a few lawyer friends who told me that this is not proper behavior for a company. They can tell me that the next process will be handle in the court of law but they can not use words that seem to threaten me. Honestly the whole interaction caused me to have an XXXX XXXX  which causes me to have XXXX XXXX XXXX. I do n't want to give this company another dime. I have given them well over the XXXX I owe them and I think its time that they are shut down.
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX  and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX   deleted this account how did they delete it if you verified it with XXXX   and XXXX
My credit card experienced unauthorized charges in XXXX XXXX. Discover did reverse all the charges, however several months after concluding their investigation and that I was not responsible they closed my credit card account. I request respectfully that they reconsider and re-open my credit card. The fraudulent activity in this matter appears to trace to an address in a crime stricken area of XXXX XXXX where I do not live and have never lived, about XXXX miles away from me, and a proper investigation by XXXX has proven that I have nothing to do with that address as well. The credit bureaus removed this fraud XXXX XXXX address from my reports, and placed a seven year fraud alert on my credit profiles which is done only in cases of ACTUAL identity fraud. Finally, a private investigator went to the fraud address in XXXX XXXX where the goods were apparently shipped, and investigator met with owner/landlord of that property verified that I had no connection to that property, that he had never seen me after being shown my driver 's license, and that I had never rented from him or been anywhere near that property to his knowledge. I went through a thorough review of my Discover account already and on XXXX XXXX, XXXX, Discover 's executive office of consumer advocacy already reinstated my full credit line. 

After all this, Why is it that insult has been added to injury and my credit card closed when I have done nothing wrong?
XXXX XXXX  XXXX. out of XXXX, Ma are attempting to collect on an account that I defaulted on with American Express. They have sent me numerous legal documents and filed judgements against me but as many times as I have called their office and tried to speak to an attorney, they are never available. I am only able to speak with collection agents and Managers. These agents and Managers are extremely pushy and insist on getting me to pay amounts I simply can not afford. I have a number of debts that I am trying to resolve and they keep threatening Garnishment and will only make 3 month payment arrangements so they can try to push me to higher and higher amounts. Even then, theyare clear to let me know that they will not remove the threat of garnishment unless I pay in full. They refuse to make an affordable payment agreement with me. I am going to send them what I can but am in great fear that they will garnish my wages even though I am paying them regularly.
I received numerous letters from Capital One for several months about being pre-approved for the Capital One Secured Platinum Card. I decided to give them a call to see what where the benefits of the card since all of the letters that where sent me had pre-approval codes on them. When I gave them a call I got transferred to the applications department and they gave me a brief explanation of the card. I told them I was going to call them back since I was not ready to apply for the card Last Month. This past Saturday ( XX/XX/2018 ) I seen that Capital One Bank was a hard inquiry on Both my XXXX and XXXX  credit reports from my XXXX XXXX account. Capital One applied to the card for me without my consent. I since decided to contact them that same Saturday but the applications department was closed due to the weekend. So I called during business hours which was the following Monday and The representative from the Applications department told me that there wasn't any applications I applied for on the card. The representative told me to contact all the Credit Bureaus about this issue and to do a victim statement. And that the Fraud department from Capital One is going to do an active investigation. Which could take 7 to 10 Business Days. 

I am writing this to see if there is anything CFPB can do to help me on this. 
I would greatly appreciate it, Thank you, XXXX XXXX
XXXX   XXXX   XXXX   says I was 30 days late in   XXXX   2017. Please see attached payment history ( specific to account ending in  XXXX  ) from  XXXX  2017 to present showing on-time monthly payments.
I have been paying on a loan, on my XXXX CHEVROLET CORVETTE, which I have made a point of not being late, in order to build up my good credit record. I have been expecting my last payment to be final XX/XX/XXXX & expecting to be able to collect the title & was very excited that it will soon be over with & would be paid for however noticed the statement even gives a 4 payment to go & it also states that there has n't had any past due amounts or late fees charges on any of my statements. Yet my payments on the loan is {$510.00} ( {$460.00} principle + {$45.00} interest ) which would be {$2000.00} but they claim I owe {$3100.00} for my current balance? Which is {$1100.00} still left they are claiming I owe?? So I tried resolving this with customer service & was informed I was n't late on my payments ( which I specifically made sure I was NEVER late to making my payment in order to build a good credit history ) but was being charged an interest fee they charge daily that I am required to pay for even with making all my necessary scheduled payments & NEVER was it ever listed on my statements that they were charging me ANY of these fees or that I even owed it. They claim I was informed of these such charges & even mentioned how it was on my contract & if I did NOT pay this added amount within 30 days after loan matures that they have the right to REPO MY VEHICLE!?! Yet directed me to another department to make arrangements for this additional amount they are trying charge me. I feel very disappointed about this whole ordeal & wanted it to be rectified & have it resolved!!! I CA N'T BELIEVE they can get away with this & would appreciate any advice resolving these charges or fees & would like to inform anyone else who maybe considering using their services to BEWARE OF HOW THEY CONDUCT BUSINESS WITH THEIR LOYAL CUSTOMERS!!
The debt collector somehow got a hold of a few people I know such as a close friend and family member and told them about my debt in detail and threatens that I am in big trouble. There are XXXX representatives who have called and made the threats and gave out my personal information. XXXX is XXXX and XXXX is the other. XXXX was very rude and made threats to my mother and my close friend when we spoke to them.
On XX/XX/XXXX Fifth Third Bank issued a Cashier 's Check # XXXX for {$22000.00} and on XX/XX/XXXX it issued another one # XXXX for {$7000.00}. Both of these Cashier 's Checks were marked " Pay to the Order of : XXXX XXXX XXXX ''. OnXX/XX/XXXX and XX/XX/XXXX, a person named XXXX XXXX XXXX signed his name to each of the Cashier 's Checks and then photo-deposited them into his personal bank account at XXXX XXXX. XXXX accepted the deposits and sent the checks to Fifth Third for payment. Fifth Third,  without validating that the endorsements were full and proper, paid over on the checks to XXXX. XXXX XXXX XXXX then withdrew the {$29000.00} from XXXX and left town. Fifth Third had a very high duty of care to make sure that the Cashier 's Checks were properly and fully endorsed by the payee, and they failed to do so. They should not have accepted the checks from XXXX endorsed as they were. Fifth Third 's actions allowed XXXX personal access to money that was clearly intended to be paid [ only ] to XXXX XXXX XXXX. Their failure to validate and enforce the proper endorsement of these checks, funds that were actually guaranteed by the bank itself, has left the Remitter of the funds [ XXXX XXXX ] legally liable to XXXX XXXX XXXX as the company was never paid for the construction work it did. XXXX has refused to make good on the checks. Fifth Third had a duty to make certain the checks were endorsed by the actual payee and it failed to do so. Fifth Third should step up and make good on the {$29000.00} and pursue XXXX and/or XXXX XXXX XXXX. It should not leave it's own customer, XXXX XXXX, exposed to a lawsuit by the construction company simply because Fifth Third did not do a legal, UCC-compliant, effective and proper job of validating the endorsement on these two checks attached.
THey have now called me 6 times. i have reported a complaint now 4 times on this company. at this point i am hiring a lawyer.
I do not have a signed contract nor any contract with this company. I have the right and by law demand to see a signed contract between myself and this company or request for them to immediately remove the damaging account for {$170.00} they have showing on my XXXX, XXXX and XXXX credit reports. Also, in looking into this company I see they were not even registered in my state to be collecting funds from anyone. Further I have already attempted to send letters to both the collection agency and each of the credit bureaus and all three accounts still remain and I feel as if I am unjustly being asked to suffer and or pay a debt that is not mine so that I am not further damaged. I have yet to receive a letter or a phone call with any proof validating this debt which is to be done by law. I am coming to CFPB with a desperate attempt to get this rectified. Thank You
See uploaded attachments. TranUnion forces account set-up to obtain a credit freeze. The identifying account 'security ' questions may have been established 10 's of years ago to gain access, for example for me " what is your favorite car ''. Since I ca n't recall what was submitted the next steps involve contacting Transunion who did not answer the phone and next cut off the call, and gave me a new # to call trying to sell more products without fixing the problem.. 

Enormously frustrating and unnecessary. Do I really need to remember my favorite car from 15 years ago to put a credit freeze on my account on-line? 

XXXX now was easy, a few clicks of identifying information and the security freeze was in place with a confirmation #. 

Transunion appears to purposely under-support consumer efforts to set up a credit freeze, anything not aligned with them selling a preferred product. This needs to be better regulated, more accessible, a complete waste of my morning chasing this down, still without resolution.
I frequently check XXXX XXXX and I know its not 100 % accurate but a few months ago I checked and some of my medical bills that I accrued when I was XXXX ( now XXXX ) fell off but one came back and twice! Its for {$550.00} each and it says it ( now they ) was ( were ) reopened. I have no idea why, as I have no idea on how to even contact them. Ive moved to 2 different states by now, but thats crazy its reopened and the same amount TWICE. Its hurting my credit and Id really like to buy a house soon. Please help! : (
Paypal has froze both my personal and business accounts since XXXX. The only response I have is " We would like to learn more about some of your recent transactions. '' I have been on the phone with them multiple times and can not get a straight answer.
Company put a lien on me and additional cost of {$1200.00} towards court fees and additional interest than the balance of the vehicle that I am not entitled to pay which I originally owed was {$1800.00} now the fee is {$3100.00} which my cosigner passed away in 2016 that took a lot of financial responsibilities on me.
In XX/XX/2012, my father ( now age XXXX ) applied for a reverse mortgage with XXXX ( XXXX ). The contact at XXXX, only known by his first name of XXXX, repeatedly told us ( I am his daughter, age XXXX ) that the house would remain in the family ( heirs ) until the last person died, which would be my sister who is now XXXX. My father recently contacted Reverse Mortgage Solutions ( XXXX ) who told him that the property CAN NOT be passed down to heirs - this information was a surprise to him and upset him greatly. After looking through the original documents, we found out that XXXX sold the mortgage to XXXX immediately after my father signed the documents ( on XX/XX/2012 ), something that was NOT pointed out to him. 

We would like XXXX to abide by the original agreement made by XXXX that the mortgage be passed down to first me and then my sister. ( I was XXXX when the contact was made in XX/XX/2012. ) Lenders case number : XXXX FHA case number : XXXX Respectfully, XXXX ( XXXX on documents ) XXXX XXXX, WA XXXX XXXX
On XX/XX/XXXX I spoke to XXXX XXXX XXXX at XXXX XXXX XXXX   about refinancing my property. He told me that he would assist me and asked that I send him over information that he needed to process my application. I sent the information to XXXX via email on XX/XX/XXXX. XXXX called me back and stated that my file has me listed as white, but I don't sound white. I told him that I have been listed as white since XXXX and I mentioned it, but it was never changed. 

On XX/XX/XXXX I contacted XXXX via work phone, cell phone and email, but he did not answer, or respond. I wanted to find out the status of my application. I also called the main number several times, but no one answered the phone. I finally spoke to XXXX on XX/XX/XXXX. He requested additional information and some information that I had already sent to him in XXXX. I expressed this to him in the email. 

During the next 4 conversations that I had with XXXX, I asked him why was the process taking so long. He stated that it was underwriting fault and he had been on them to get my application processed. XXXX also stated that underwriting was not able to get my account number from XXXX XXXX. He stated they called XXXX and was told they could not provide them with it. I asked XXXX why didn't he just ask me for the number, I could have provided that weeks ago. He stated that he didn't know why underwriting didn't think to do that. 

I contacted XXXX XXXX  and asked about the process for the request from Village Capital. The representative that I spoke to stated that they would not have told Village Capital that they could not supply the information. At that moment I put XXXX and XXXX on a 3 way call and expressed this to XXXX. He stated that underwriting must have lied and never called. 

Around XX/XX/XXXX I contacted XXXX again to get an update. He stated that he would contact underwriting and call me back. XXXX called me back and stated that my application was not approved because of my income. I had XXXX go over my income and noticed that he had not included all of my income and that I sent the documentation to him back in XXXX. He went through his email and said that he saw it and would call me back. 

XXXX called me back and stated that underwriting still didn't approve it and that he was sorry.
On XXXX/XXXX/2015 I disputed an inquiry on my credit report directly with XXXX via certified mail. The letter was received, but there has been no response. Please remove this item from my credit report immediately!
Pioneer Credit Recovery has called my phone number over a dozen times. They are seeking information on a debt that is not mine. I have requested they stop calling but they have not stopped.
I called a representative from the bank requesting a payment date on my loan to make sure it did not go over 30 days late. I stated that myself, my wife and our children has all had the XXXX at the same time and I want to make sure nothing gets overlooked and turned in on my credit for being over 30 days late. The representative gives me a due date and I make the payment on that date. While making the payment I was informed that I was over 30 days late and they will be notifying the credit bureau. They reviewed the information stated on the phone recording and still turned me in late knowing I was given wrong information. I stated that Im in the middle of a construction loan and your bank gave me the wrong information, so Id like it to be fixed. He then stated I could have the bank presidents address and I could take it up with him.
Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6XXXX XXXX XXXX.
7XXXX  8XXXX XXXX XXXX XXXX 9XXXX XXXX  10.XXXX XXXX 11.XXXX XXXX 12XXXX 13.XXXX XXXX 14XXXX 15.XXXX XXXX
I have never done business with Residentcollection inc. I do not have a sign contract with Residentcollection inc. I have the right to demand to see a signed contract between Residentcollection inc. and myself.
Creditor has advised that they have verified the bankruptcy listed on my report. They advised that the number and name of the company that verified this is listed on my report. My dispute clearly requested original creditors documentation on file to verify this information is mine. This bureau has refused to reinvestigate this and I have yet to receive the requested documentation /original contract with my signature to prove this is my bankruptcy.