WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased my first home in XXXX XXXX. Our Wells Fargo loan officer provided us with home owner 's insurance through Minnesota XXXX at the time of the purchase. In XXXX my XXXX income household went to XXXX income and in XXXX I qualified for a XXXX modification. My original loan interest rate was 6.1 %. The XXXX reduced the interest rate to 2 % for five years, and after that five years my interest rate would rise 1 % until it went back to the original 6.1 %. My interest rate began climbing in XXXX. I was again having trouble making mortgage payments and talked to Wells Fargo repeatedly about a refinance or another modification. It was n't until I contacted another lender, that I was made aware that my home owner 's insurance was {$5100.00} a year adding {$420.00} to my monthly mortgage bill. I originally paid {$250000.00} for a XXXX square foot split level on less than half an acre. I have since cancelled the policy with Minnesota XXXX and am now with XXXX paying {$1300.00} a year for insurance. Why was I being charged such a high amount for my home owner 's insurance? I am a first time home owner and had no idea that was almost four times the amount I should have been paying. Why did n't any of the loan officers at Wells Fargo catch this during XXXX of my many many phone calls? My house is now worth {$240000.00} and at this time I owe {$180000.00}. I 'm guessing it was not in Wells Fargo 's best interest for me to keep my home as there was almost {$55000.00} in equity for them if I was unable to keep making payments and foreclose. I spoke with a real estate agent about selling my home, but for me to make any money, my home would need quite a few repairs and updates. I have been at a loss for the last year. I have spoken with Wells Fargo XXXX last time to try and resolve this issue and understand why no one caught my criminally high insurance premiums. I started my phone call with the Customer Service department and was transferred to the refinance department. XXXX, the representative I spoke with was unable to even look at my loan and she transferred me to the main menu which was unable to process my call and hung up on me. When I called the main number again, I got a message that due to high call rates I would be on hold for a very long time and I should call back. I have hit brick walls at every turn when I 've tried to work with Wells Fargo to keep my home.
XX/XX/2018 I decided to get on the XXXX county clerk of courts website to check on a landlord i wanted to rent from after I checked there file i decided to check my information and I found XXXX XXXX, XXXX suing me in the amount of {$1100.00}. 
Case Number XXXX .I fell this company violated my rights they never once contacted me one time about this so called Bill i owe. I don't know who XXXX  XXXX, XXXX is. And to make matters worse i acknowledged they sent the summons to my old address on purpose to get a default judgement against me. I can't get any information about this case a court date who and what this case is about. I did send them a quick letter that I didn't really have enough time to make sure the letter was written correctly.
On XX/XX/XXXX, after learning of an erroneous collections notice on my credit report from my mortgage broker, I filed a dispute with Experian. The incorrect collection notice was for medical expenses originated by XXXX XXXX XXXX, XXXX for services received in Oklahoma. I have never visited Oklahoma, let alone received medical treatment there. On XX/XX/XXXX, I received notice from Experian via E-mail that the dispute investigation was complete and the erroneous information remained. When I followed up by phone on XX/XX/XXXX, to ask why the error was still on my account, I was XXXX told by the Experian operator ( XXXX? ), that the creditor confirmed it was me ( impossible since I have never even been to the state or am in any way remotely connected with Oklahoma ). However, upon further investigation by the Experian operator, it was determined this dispute was inexplicably cancelled on XX/XX/XXXX, thus automatically triggering a notice to me of the egregiously incorrect information remaining on my file. The Experian Operator could not identify who cancelled my dispute or why. During that call, the Experian operator re-opened my dispute and provided me with contact information for the creditor. Adding insult to injury, the contact information from Experian for the creditor ( XXXX XXXX XXXX, XXXX ph XXXX ) leads me to a disconnected telephone number. I happen to have known this number was disconnected in XX/XX/XXXX ( prior to receiving my results from Experian ) because I tried calling them when I XXXX learned of the error on my XXXX credit report. 
My concern is Experian did not exercise proper diligence in their initial review of my dispute ( it is currently being re-disputed ). Because of this incorrect information remaining on my report, my credit score on Experian fell from XXXX ( XX/XX/XXXX ) to XXXX ( present ) - a fall of more than XXXX points. In contrast, XXXX removed the erroneous information from my file in XXXX business day. Experian 's failure to effectively review and remove the incorrect information is also striking in light of its clear inconsistency with all the other information on my report. What 's worse, I PAY Experian to receive credit report updates! I 'd hope Experian would have a higher standard since I pay them for services. To the contrary, this has been personally damaging and frustrating. It adversely effects me and my young family. My hope is the government holds Experian and other credit bureaus ' feet to the fire when it comes to allowing damaging and inaccurate information on credit reports.
I applied for a VA refinance mortgage through Loan Depot XX/XX/XXXX. At that time I had to pay {$300.00} to lock in the interest rate and to cover the appraisal. I received very little communication from that time on except for notices that additional papers were needed by the VA which I found and sent to Loan Depot. Then two weeks ago I got an email asking for my water to be tested because I have spring water and the report to be sent to Loan Depot. This took a few days because the health department only has certain days of the week that they test water. So then last night ( Monday ) I received a call from Loan Depot saying that they had to raise the interest rate because my loan unlocked on Friday. The man said he had called me on Friday but there was no answer so he left a message. I received no message. I use a cell phone and it does not work inside my house. So after an hour or so conversation with the person that called ( Mon ) I decided to call the person that originated the refinanced process and had to leave a message because he was not answering, but he has not returned my call. So at this time I am really frustrated and do n't no what to do. When I finished the hour or so conversation with the person last night he told me I could either except the new interest rate or close the process. The interest rate that I locked in was 3.25 % and now they want 3.75 %. This seems totally unfair to me especially since the rate unlocked on Friday and I get a call on Monday. Not only did they raise the interest rate but they want {$4000.00} at closing.
I had a car loan with 5/3rd Bank which they sent me booklets for 72 monthly payments which I paid on time without missing any payments. The last payment in the last book ( # 72 ) stated " This is your last payment '' so I believed the car was paid off as anyone would. I expected to hear from the bank with my title information but never did. Today I got a call at work from a repossession company stating my car was listed for repossession by 5/3 Bank for nonpayment of my car loan. I explained to them that my car had been paid off since XXXX 2016. Thankfully, they understood that there was a problem with the bank and asked me to contact them directly and were polite enough to give me the account and contact information that I would need. I called the bank and they claimed to not have my address to contact me although there has been no communication from the bank since I received the payment books 6 years ago. During this time my address was the same until I sold my house XX/XX/XXXX. The US Postal service still forwards mail and no contact was made to me to discuss additional payments that were not included in the payment booklets. They claimed over the phone that I owed the last 3 payments of a 75 month payment plan. I do not recall agreeing to 75 months but they claimed they had a signed contract from me for that period. They quoted this to me without proof, without sending me the paperwork, or giving me notice that anything was late. I did not have this contract with me to review and was required to pay regardless of whether this was true or not because they had already placed a repossession order on my car. I questioned them why send only 72 months in payments and say " This is your last payment '' in the payment book on 72 when they expected 75 and got no answer. It was not a matter of not being able to pay for it. I paid over {$1300.00} instantly today to avoid the car being repossessed fraudulently. As shown in my payment history, I could have and would have paid the payments had the bank not sent a 72 month payment booklet saying the loan payments were complete when they claim more payments were due. I now have late payments claimed on my credit history that I consider fraudulent. Why would a bank send payment booklets with less payments than the loan requires? When questioned about this, the bank would not answer. When questioned why nothing was mailed to notify me of their claimed missing payments they claimed they did not have my address. As stated before, they had my address up until the last payment was mailed and the US Postal service continues to forward mail for XXXX customers. If they had mad any attempt to contact me concerning missing payments, they would have been received and dealt with immediately. I feel that this was a deliberate attempt by the bank to mislead a customer and obtain additional funds.
On XX/XX/XXXX, Credit Management Services ( CMS ) sent me a notification of a debt. On XX/XX/XXXX, via USPS certified mail, I sent a request of debt validation ( letter attached ). On XX/XX/XXXX, I received a certified letter from CMS containing a summons, stating that CMS has filed suit against me in XXXX County ( Nebraska ) Court. The court assigned case ID XXXX XXXX XXXX. To date, I have not received the requested and required debt validation from CMS.
Bank closed our accounts XX/XX/2019 for me and my spouse and never transferred the money to external bank accounts as it was promised. Neither cashier check was released or ever sent to us. For now we have only letter from the bank that accounts were closed with ending balances but money were not released for over 2 weeks as of today.

Every time we call they sent us to voice message and nobody ever call back or contact otherwise to give time frame for expected money transfer.

They also never mailed 1099 form of interests from savings that prevent us to file taxes in timely manner.

I had three CDs with them as well as two savings accounts and one checking account.

My husband had three business savings accounts and one checking account
Paypal Credit reached out to me several months ago to resolve a credit balance for the synchrony bank account i had prior to losing my job. Due to their timing i was actually able to settle on the account for less than full balance, it was around {$600.00} that i paid to them. 

Now several months later they are calling me again telling me no payments have been received for a long time, despite me already settling this account. 

I would like them to stop calling me asking for payments on a debt i already settled with them.
since XXXX, these companies have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the companies are currently reporting to the three credit bureaus that I had applied for credit with their organizations. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 

These inquiries have affected my credit dramatically. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These companies have requested a copy of my report without my consent. 

These are the following UNAUTHORIZED AND INACCURATE credit inquiries ( Validation is needed ASAP ) : XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXXXXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX Credco TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Credco TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX   TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
In XXXX of XXXX I became delinquent on my consolidated student loan. In XXXX of XXXX this information was reported to credit reporting agencies. For example my XXXX  report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My Equifax reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XXXX of XXXX. XXXX  does not report this original account. 

This account was transferred for collection within the Department of Education. The collection account is being reported to XXXX, Equifax, and XXXX. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623.  Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with XXXX, Equifax, and XXXX. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for DOE to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.
On XX/XX/2018, I sent correspondence to Navient regarding my existing loans with them. I received an email basically stating " Don't call us. We'll call you. '' During the investigation of my claim, the loan is to be placed in deferred status. That, also, has yet to happen. They simply are not responding to my request.
I think it is a scam, I received a phone call from XXXX from a person who would n't give me her name stating she was calling from " XXXX '' and stating she was looking at my " Experian '' credit report and she wanted to lower my credit card interest rate. She was not professional and I felt extremely uncomfortable knowing she had my credit information. She stated she could see my last six months of payment history.
this company Credit Acceptance account ( XXXX ) has an account on my credit report that does not belong to me. This has caused me undue stress as my XXXX XXXX has increased. I have just retired and my physician recommends a warmer climate to live in and with this account on my credit report it has been hindering my move. I would be eternally grateful for your help in removing this error from my XXXX  credit report.
I want to open a checking account with XXXX XXXX  and TD bank is blocking my ability to send my first deposit to them from my checking account with TD
I have tried to get a loan modification through Bank of America. I am XXXX and now live on a very limited income. After months of submiting bank statements, income verification etc. I was denied and on their paperwork my income was inaccurate and falsified by their underwriter. I filed an appeal and their response was to sell my house in a short sale. Our equity is much more than the loan and I believe they just want the higher payment they now receive with the higher interest rate rather than working with us to make our payment affordable.
I have attempted several times in writing to communicate with the company and ask them to furnish my signature proving I owe the debt. I have gotten no response from this company to show validity of this debt. I have waited over 60 days with no repsonse
In XX/XX/2018 I received a XXXX XXXX  procedure, XXXX   from XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. They stated the product would last a minimum of 6 months to one year. I paid them XXXX dollars for the procedure and it left me with XXXX on my XXXX and the product dissolved within 2 weeks. I have a copy of an email I sent them on XX/XX/XXXX stating that I wasn't happy with the procedure. They invited me back into the office and stated that they did everything according to the protocol but couldn't refund me. I explained that Had I have known the product would only last 2 weeks and at a cost of XXXX dollars I wouldn't have had XXXX  in my XXXX. This is false and misleading advertisement. 
So I issued a complaint with my credit card company and my credit card company Discover card XXXX XXXX XXXX XXXX XXXX XXXX, stated I did not have enough proof! 
I sent them copies of correspondence between myself and XXXX company and the fact they stated on their website the product would last 6 months to 1 year. 
Discover card despite me having an absolute impeccable payment history with them, do not want to resolve this for me, as they state I need more proof before they can refund me. I suggested I show them how my procedure looked before, then immediately after, then 2 weeks after the final result and Discover card, said that wouldn't be enough proof! so I am supposed to endure false and misleading advertisement from a company offering procedures they say last longer than they really do and fall victim of small print from Discover credit  card. 
regards XXXX XXXX
Recently, Flagship Credit Acceptance started reporting a {$9700.00} debt on my credit report. Prior to this debt appearing on my credit report, I never received a notice of my right to dispute. Failure to provide such notice is a direct violation of my rights under the Fair Debt Collection Practices Act ( federal law ). In an attempt to cover their illegal activity, they have " fabricated '' letters to make it appear I was given a notice of right to dispute. However, this is just a feeble attempt to veil their transgressions.
I would like to ask  JP Morgan Chase & Co.  to response in this channel why they make it as a company 's policy for the maximum time frame to dispute a transaction is  XXXX  billing cycles, which is 60 days, while effective for transactions processed on or after   XXXX   XXXX   XXXX    , the maximum time frame has been increased to   XXXX   days for card absent charge, from  XXXX  days.
I got a plus loan for my son while he was at XXXX XXXX. I never heard anything from it and thought it was underneath his loans. Had my loans consolidated and obviously parent loan was consolidated with that. Later found out it was with Navient Bank which I had never gotten any kind a notice from or anything. It is messed up my repayment. Help? 
XXXX XXXX XXXX
I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX, which dropped my credit score significantly. I have received no phone calls or contact via US mail to confirm this collection is mine. Due to this, I did not and have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
I did not find the right option for my complain, so here it is. 

This account was originally from XXXX XXXX now XXXX, I have requested many times the information to be investigated because I know about the Discriminatory Credit Card Practices against consumers that had a XXXX XXXX address and I am XXXX of them. Neither XXXX or this collection company Portfolio have changed/deleted the information. Every time I file a dispute in my credit report since the article came out, shows the information has been corroborated and remains. I have copy of my credit report and copy of your article dated XXXX XXXX, 2014.