WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I pulled my credit report after receiving a denial for credit in the mail from a place called CBNA ( Citibank. ) I called the number on the letter to let them know I did not apply for credit thru them. I was transferred 4 times and then hung up on. This happened 3 times. I finally got through to someone and they stated that I had to go through the credit reporting agency to fix this. I did that as well and was told by XXXX  as well as XXXX   that I needed to contact CBNA directly. I contacted the again, got the run around again, and finally spoke to someone named XXXX. He told me it was a soft inquiry and it shouldn't be on my report. I stated that I have not filled out any kind of credit requests since XX/XX/XXXX. He stated this was common and it doesn't count against me on my credit report but I see that it does. I want this removed and no one will help me. I didn't sign up for any credit cards or lines of credit. No one is listening to me and it's frustrating. 

My other issue along the same lines is that I bought a car last year from XXXX XXXX and they pulled my credit report twice in 24 hours. It's showing that I have 2 pulls from them on my report and it's counting against me. I contacted XXXX  and XXXX  to ask why and again I got ... .you need to contact XXXX XXXX . I contacted them and they told me that it doesn't count against me but it's showing that it does. They did tell me that FICO gives me 14 days to shop around yadda yadda yadda but it's on there and it's counting against my report. 

If I could get any help that would be great! 

Sincerely, XXXX XXXX
In XX/XX/XXXX, I began to have repeated financial setbacks. At that time my mortgage was serviced under XXXX XXXX. I was making payments but they were not always full payments. In XXXX, I sent two part payments {$500.00} and {$1000.00} to XXXX XXXX. Both were returned. In XXXX, XXXX sold my loan to PennyMac. Payments to PennyMac were to begin XX/XX/XXXX. I set up my online account but was never allowed to make online payments in XXXX. 

Part of my financial struggle in the early part of XXXX was from overdraft bank fees. In XX/XX/XXXX, I started using XXXX ( XXXX ) XXXX as they do not have NSFs. This is an online back and has restrictions on what can be done. One of those restrictions is that there is not a bill pay option. This means I either have to process a payment through the vendor or will be sent from XXXX as a hard check. Since PennyMac would not allow me to make online payments, I had to use the hard check method. 

On XX/XX/XXXX, I contacted PennyMac with a two fold purpose. 1 ) to have my mortgage payment corrected. XXXX was ALWAYS over charging me and it was a fight with them every year to stop over charging me. PennyMac did not calculate my true mortgage but instead is charging me the {$1900.00} that XXXX miscalculated. 2 ) I also asked to have the balance needed to bring my loan current sent to me on the foreclosure prevention paperwork necessary to submit it to my 401K company. 

On XX/XX/XXXX, I did not receive the paperwork from PennyMac, but instead I received notification of the foreclosure process on my home. I immediately called PennyMac. I had the information faxed to me which was dated XX/XX/XXXX with three payment figures listed. One for 24, one for 72 hours and one for 14 days. I sent the paperwork to my 401K company who assured me that the payment amount due was the 1st one listed. So that is the amount that was processed. 

Now for the banking issues. XXXX allows for a max of {$10000.00} in checks per month. And the most that can be sent at one time is {$5000.00}. They do not do bank wires and if I were to transfer the money to another account, that bank was going to hold it for XXXX to 5 business days. I sent 3 payments to PennyMac in XX/XX/XXXX, {$1000.00}, {$5000.00} and {$3400.00} which were my limits per the banks guidelines. I then sent two payments on XX/XX/XXXX as the limits reset for the month. Those were for {$2500.00} and {$4000.00}. 

I also sent and a second request to have my payment re-evaluated. I received notification that my request was received but nothing further. Upon logging into my account today, I noticed that the {$4000.00} check had not been applied to my account however foreclosure fees and a late fee had been. When I contacted my bank, I was informed that the check had been returned. The only good thing that came out of logging into my account was that I could make a payment online. So today I made a payment for {$1900.00} for XXXX and I set up a payment for {$1900.00} plus {$130.00} of the {$330.00} late fee for XXXX to come out next week.
I made the mistake of not asking for and reading their contract before I typed my name and received the loan. When I asked for the contract I found for the {$1000.00} I received they want paid back {$5000.00}. They say their interest rate is 320 % plus fees but is like 500 %. I am XXXX and in bad health. XXXX XXXX and in past year two XXXX XXXX XXXX and XXXX XXXX. They want paid back {$140.00} twice a month until XX/XX/XXXX. The contract is about 30 pages long and says different things in different places in the contract. I will email it to you if you want. This contract and loan is unbelievable. I am trying to get by on social security and this caught me when I needed immediate cash to pay some things to keep me going. Any help would be appreciated. .This loan was made on XX/XX/XXXX from. Speedy Cash in XXXX, Kansas. I tried talking to them several times but they wo n't budge. They are impossible. I tried to get the interest rates reduced and a reasonable payment plan but they wo n't budge.
I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
Hello : I am a cosigner on XXXX of my daughter 's student loans serviced by AES. Over the past few months, I started receiving from AES a XXXX-page stack of documents each month in the mail that includes : Direct Debit Extraction Reminder ( do n't care ; it 's not coming out of my account ) Loan info. ( have access to it online at any time and do n't need or want to be notified unless there is a problem like a past due amount - which there never has been ) Over XXXX pages of boilerplate ( which I definitely do not need to see each month ) Three times, I faxed requests to AES asking that AES quit sending this to me and to only contact me if there is a problem ( see attached for communications with AES and proof that AES received the faxes ). They will not stop sending this junk and have never even acknowledged my faxes or concern, with the exception of a form letter that did not even address my concern ( also attached ). 

I do n't want my mailbox bombarded with junk I do n't need or want. I 'll also point out that the mail is inherently unsecure, and AES is negligently putting unnecessary information in the mail to me that would greatly help an identify thief if they got their hands on it ( which could happen anywhere along the mail chain ). AES is unnecessarily putting me at risk, and I do n't appreciate it. I want them to stop mailing this to me. 

Thanks for your help.
U.S. Bank is telling me that I owe them overdrawn balances when, once again, my accounts were fraudulently used and some were opened without my permission. Furthermore, I 've asked them several times to investigate these claims that were fraud transactions and they keep denying me without giving me a reason why!
I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX but have not been able to do so with XXXX  as their site is garbage.
My CapitalOne credit card was restricted and flagged for identity fraud. I sent in the required paperwork but did not want to send in a bill statement or a bank statement. I had my bank draft a letter with the information Capital One was requesting, but they say they could not accept it. Their policy would only accept a non-doctored bank statement. I could n't even cancel or end my card until this issue was resolved. I was forced to hand over personal information that went beyond verifying my identity. I do n't know how they were going to use it or what it would be used for or how the information would be protected. This is a corrupt policy and should be stopped. I hope that no one else has to hand over such sensitive information any more to CapitolOne.
Bbva compass closed my account. I received no notification it was just closed and then when i contacted them in regards to when i will recieve my funds I was given no direct response. I then tried to reach back out XX/XX/2018 and the company blocked my number providing me with a busy signal XXXX everytime I called. I had to call from another number this indicated that the company purposely blocked my number. I will like for bbva compass to return my funds and give me a direct response on when i can expect to recieve it.
On XXXX XXXX, 2015, XXXX XXXX ( NMLS # XXXX ) with United Mortgage Corporation sent us the terms we had agreed to in order to refinance our mortgage with his company : 30 yr fixed at 3.75 % ; monthly payment of {$910.00} ( principal and interest ) ; paying off XXXX of our existing loans and leaving us with {$15000.00} cash out. This information was given to us in an email. We completed the process of sending him all of the required paperwork. Three days before we were scheduled to close, he called with the closing date and then said the next order of business was to discuss what our interest rate would be. When we questioned him on the fact that we had agreed to the loan with the fixed rate at 3.75 %, he then went on to say that the rate had adjusted over the three week period of time that it took to get our loan approved and ready for closing. We were shocked, to say the least. He went on to tell XXXX that the 3.75 % was no longer available and that it should be 4.25 % but he would do it for 4.125 % because he felt " bad '' that it went up so much. XXXX told him we would not do the 4.125 % and that we had agreed at 3.75 % and that 's what we wanted to close with. At this point, we had already given him {$420.00} to start the loan process with the home appraisal, and of course, went through three weeks of giving him all of our personal information in order to close on the loan. To make a long story short, we went back and forth many times over many, many weeks. During that time, we were able to secure another loan at 3.75 % ( which XXXX XXXX had told us was impossible ), and also learned during the XXXX process that the rates never had gone up to the 4.25 % and that more than likely it was a type of bait and switch scheme. We had to, of course, pay the new bank another appraisal fee and had to go through another whole house appraisal within 30 thirty days of the initial XXXX, and could not use the appraisal that we had done with United Mortgage because of the new government stipulations and regulations on home refinancing. We also want to note that during the weeks of back and forth with XXXX XXXX from United Mortgage, XXXX asked him multiple times to speak to his manager, which was always met with a " no, '' and that there was " no one here for you to talk to besides me. '' We were lied to, a lot of our time was wasted, and we are nervous about our personal information being used inappropriately. At very least we would like to recoup the {$420.00} appraisal fee from United Mortgage Corporation.
I had made a complaint regarding this issue before I believe with Consumer Financial Protection Bureau Case # XXXX in which XXXX stated that they were going to put in my file that I had a dispute regarding their claim my payments were late. According to the records that esperian is displaying in their records there is no such statement and I still dispute their claim I was late. I remember speaking with customer service representatives in XXXX, XXXX or XXXX and there was an error on their part receiving and receipting my payments at that time. I am requesting that this information be removed from my credit report being this happened in XX/XX/2010 and I am under the impression also that in the State of Georgia that adverse information is suppose to remain on your credit report after six ( 6 ) years not seven ( 7 ).
Equifax routinely allows companies to conduct credit checks to my credit profile causing my credit score to go down significantly but when trying to get to the bottom of why companies where allowed access to my credit profile. Equifax has no real answer. Moreover, they have decreased my credit score significantly and after I 've reported to them, that I did not ask companies to check my credit, they want me to XXXX my credit frozen. Meanwhile, they have keep my credit score very low, costing me loan approvals.
I have disputed the debt they are trying to collect. I sent them notice and they admit they received it. But they keep calling telling me I have to produce receipts.
I have sent a request with my financials to my mortgage company Home Point Financial for a mortgage modification.I became delinquent on my mortgage because I was caring for my XXXX year old mom who is terminal ill and passed away in XXXX. I was responsible for her care until she recently passed. Home Point Financial didn't notify me they were accelerating my mortgage note. I haven't received mail from Home Point Financial since XX/XX/XXXX.or any other mail for my mortgage. I've contacted Home Point Financial several times to let them know I wasn't receiving my mail. As of today I still have not sent a mortgage statements or any other mail to my home address. The property foreclosure  notice I received from the foreclosure attorney is not 30 days prior to the property foreclosure sale. The letter is date XXXX XXXX sale date is XXXX XXXX. I looked the Tennessee law it states the homeowner is to receive notice of a foreclosure sale 30 days prior to the sale. 


See attachments
Dear CFPB : This matter is very time sensitive. Equifax erroneously reported to XXXX party XXXX that my wife and I had a 90-day late on our home loans in XX/XX/XXXX. That is impossible. We completed a successful short sale with XXXX on XX/XX/XXXX. XXXX was contacted. They completed an investigation and confirmed that they reported correctly to Equifax. Equifax made the error. As a result, our FICO score has been affected and moreover, we are unable to buy the home that we want to purchase and raise our son in. 

Countless hours have been invested trying to ascertain who reported an erroneous late in XX/XX/XXXX. Equifax is the culprit. 

Attached is a recent letter from XXXX confirming that we were never late in XX/XX/XXXX and all debt was settled in XX/XX/XXXX.
Company has place a duplicate account on my credit report. They said it was a update, however, it is listed as a separate account on my credit file.
I have been receiving bad information about a set of student loans that are being serviced at XXXX XXXX XXXX. Four years of payments that I have made to XXXX XXXX XXXX have been incorrectly applied. Therefore, the more that {$5000.00} in payments that I have made during this period have not gone towards my loans. This misappropriation of funds has brought down my credit score from the 800s to the low 600s. This problem with XXXX  XXXX XXXX has directly led to the drop in credit score and is preventing me from consolidating the loans with an private company. 

I obtained proof from XXXX XXXX XXXX that the money was received by XXXX  XXXX XXXX, in what was called a XXXX document. It has taken more than 2 months for the company to solve this problem and I call every week in to attempt to solve it, but am still unable to do that.
Cashcall reported inaccurate derogatory information on my credit file. They have now changed their name to Loan Me with no working phone numbers to Cash Call. I called XXXX to get assistance since they are the same company with a different name and they refuse to assist. They state that I have to call Cash Call for help. I explained several times there are no working phone numbers and to please provide me one, however, they are unable to provide me any working numbers either - even though it 's the same company. They state that I have to go to XXXX and find a phone number. I explained again all the numbers on XXXX are non working numbers, and they still refuse to assist.
I contacted USAA several times about charges that have dated back to XX/XX/XXXX. They recently mailed new cards to the wrong address and those cards were used.
I HAVE BEEN DEALING WITH SALLIE MAE NOW NAVIENT WITH MY STUDENT LOANS EVER SINCE I ATTENDED XXXX XXXX IN XX/XX/XXXX-XX/XX/XXXX. NAVIENT STEERED ME TO A FORBEARANCE WHEN I GRADUATED IN XX/XX/XXXX BECAUSE I COULD NOT PAY THE $ XXXX  MONTHLY PAYMENT, SOON AFTER MY FORBEARANCE WAS OVER MY LOANS WENT INTO DEFAULT REALLY HURTING MY CREDIT, THEY THREATENED TO GARNISH MY WAGES. SALLIE MAE AT THE TIME MENTIONED TO ME THEY WERE GOING TO WORK WITH ME BUT ALL IT WAS AN INTEREST ONLY PAYMENT AND THE LOAN AMOUNT KEPT GETTING HIGHER AND HIGHER EVERY MONTH WITH THERE RIDICULOUS INTEREST RATES OF 10 % -12 %. STILL TILL NOW IT HAS BEEN ALMOST 10 YEARS OF PAYING AND I STILL OWE XXXX ON THESE PRIVATE LOANS. THE LOANS FROM XXXX I CALL THESE. I AM A VICTIM OF DEFRAUDED ON THESE LOANS AND A MALPRACTICE BY NAVIENT IN MANAGING MY LOANS.
I was told I 'd be sent a credit balance refund for over 3 thousand dollars from XXXX. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. XXXX was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau. 


I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with XXXX again. Their business tactics have been disgusting and appalling XXXX is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query
When I received my credit report. I was blown away when I say late payments on these dates : 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me. Please help me understand because I 'm clueless of how this can happen.
I have a student loan through Great Lakes. The original loan amount was {$60000.00}. I 've made {$23000.00}. in payments. The remaining balance on the loan is {$75000.00}. When I make a {$260.00}. payment they only credit me with {$15.00} toward my principal. This has to be a fraudulent loan. Where can I get help?
I received a letter from national credit systems inc out of XXXX, ga for a debt which I was unaware of. Its says I can resolve the matter for {$510.00} if paid by XX/XX/XXXX. Today is XX/XX/XXXX so I called. I asked the rep how fast this could be deleted from my credit report. She informed me I had to pay an additional XXXX on top of the XXXX they offered me. This violates FCRA. The rep then threatened that u wouldnt be able to move or get a job if I didnt pay. I asked for a supervisor and was hung up on. Since I was unaware of this debt I looked into my records and this was paid to XXXX XXXX XXXX years ago. They are preventing me from being able to get a house by falsely reporting this debt to my credit then trying to hold my credit XXXX by charging me an additional XXXX $ to have it removed as I dont even owe the money. Consumers should be protected from these bully tactics. My rights under FDCPA and FCRA have been violated the CFB should protect us from these types of places. I want this tradeline removed immediately before I pursue legal action. I have the recording of this call but the file is to large to attach but I can get it to you guys as proof of all this
I have a loan with Navient and had been placed on a program but when it was up they never sent my renewal paperwork to get it started up again. It was based on my income the program and was able to get no payments due to my job not making enough. I was told when the time was over just call them and they would get the paperwork over to me. I did call and spoke with a representative and they acted like they did not know what paperwork I was talking about. By then I had lost my full time job.
On XXXX XXXX, 2013 XXXX XXXX XXXX XXXX XXXX. Report false information to fair collections in and out. I responded to fair collections in and out, but asking them to validate the debt. In response they sent me a document with a list of charges that XXXX XXXX XXXX XXXX XXXX says that I owe. I called them and explained that this was not a proper validation of debt. They refused to validate the debt properly and placed the information on my credit report for collections. FCO is in violation of Texas property code Sec.XXXX. 
FRAUDULENT, DECEPTIVE, OR MISLEADINGREPRESENTATIONS. 
( XXXX ) failing to maintain a list of all business orprofessional names known to be used or formerly used by persons collecting consumer debts or attempting to collect consumer debts for the debt collector. FCO is not listing all the names of there client ( XXXX ) failing to disclose clearly in any communicationwith the debtor the name of the person to whom the debt has been assigned or is owed when making a demand for moneyThis collection is for a apartment complex. In order to properly validate the debt FCO is required by Texas property code to obtain information includes a copy of the lease, itemized charges, diligence to find a new tenant ( if appropriate ), Date and proof of the new tenant moving into the unit. 

XXXX XXXX ) using a written communication that fails toindicate clearly the name of the debt collector and the debtcollector 's street address or post office box and telephone number if the written notice refers to a delinquent consumer debtNo information about XXXX XXXX XXXX XXXX XXXX is listed on the verification of debt letter sent by FCO. 

I do not owe this company money.
ive never authorized XXXX XXXX to check my credit i do not have an acccount with them they and equifax REFUSE to help me to remove from report!