WillisBack/dataset-financial-user-claim huggingface dataset:
Request for Investigation of Unauthorized Inquiry I checked my personal credit report and I noticed an unauthorized inquiry had been made from XXXX XXXX XXXX in XX/XX/2016 

I request that you initiate an investigation into XXXX XXXX XXXX 's inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report. 

Thank you for your assistance in this matter, Sincerely, XXXX
XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XX/XX/XXXXXXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX The above mentioned inquiries are fraudulent. Please remove
I am filing this complaint against XXXX  inaccurate reporting of a eviction Case No. XX/XX/2011 XXXX XXXX that was in Fact dismissed this account is older that 7 years. I have suffered the denial of a apartment and fair employment due to the non updated information in the database at XXXX.
I had service with  XXXX  's internet and the sales associate mislead me in purchasing the equipment which I did then misinformed me when I got the service that I could watch and browse the internet with all the data I was buying I got a bill for ov er a thousand dollars which I canceled the service I told them they need to train Thier employees about lying to con sumers and customer service I do not owe the debt it was paid and canceled
I do n't know who the holder of this loan is. but it is reporting the wrong default date. I graduated from college XX/XX/XXXX. I have a grace period and when that is done that is when I have my first default XX/XX/XXXX. they are not reporting the correct date, selling the loans to other lenders and I need the correct information submitted to the credit bureau. I have reached 7 years of non payment.
Continuation for complaint :  XXXX  To recap : Bank of America, 7 days before closing, made mistakes that caused the underwriter to cancel our mortgage application. The underwriter claimed we did not show adequate funds to close, yet Bank of America had in their possession multiple documents showing that not to be the case. Bank of America later admitted that they have made some processing mistakes that caused the cancellation.     We were forced to rely on alternate, temporary financing, to close on the house on time as the seller was not interested in waiting the 21 business days that Bank of America claimed were needed to correct their mistake.     My first complaint yielded positive movement from Bank of America and they agreed to re-finance at the original rate, which after the  XXXX  election had climbed almost 1 %.     With that said, however, Bank of America would not work with us in regards to thei r Origination fe e, plus the other fees that were duplicate to the fees we had to pay in our original closing. So while Bank of America honored the original rate, and we 're thankful for that, they still left us on the hook for close to {$5000.00} in losses due to their original mistake.     As the consumer, I was left with no choice due to their original error. I could accept their offer at the original rate, but lose in the neighborhood of {$5000.00}, or I could book a re-finance at another lender with terms that would cost us  $ 75,000+ over th e life of the loan. We accepted Bank of America 's offer reluctantly.     The purpose of this complaint is to make record what happened. As the consumer, I have no recourse against Bank of America other than to clearly state that their mistake cost my family significant losses. In the end, they still got their loan.
The XXXX card was opened over 10 years ago then when it was sent to portfolio recovery I was not notified and when I tried working with the company to see if I could make payments they would not comply and also would not recently comply with my credit counseling service when I was working to consolidate and pay off my debt. Then I was summoned for a hearing saying I was being sued without notice and they then said I did not show up to the hearing when I did n't know when the hearing was in the first place. Once they refused to work with my credit counseling company I stopped receiving anything from them and was never told how to payoff this debt.
I found this debt listed on credit report, therefore I sent a dispute letter in accordance of FDCPA and Texas Debt Collection Act on XX/XX/XXXX ( attached ). On XX/XX/XXXX I received this response ( attached ), requesting more time. National Credit Adjusters continues to report this debt on my credit reports so I have disputed to the bureaus as well, according to FCRA. They are violating FDCPA, Texas Debt Collection Act, and FCRA.
In XX/XX/2018 I contacted BB & T to see why PMI was not removed from my mortgage. They responded and said that I did not qualify for removal. When I refinanced through them, they indicated that they would use the original appraisal amount of the house since the original mortgage had not been that long ago. No new appraisal was required. When I made this inquiry they said the value of my house was {$100000.00} less than the appraised value. This was done randomly as they conducted no appraisal or evaluation of the property. Since they fraudulently devalued my house by {$100000.00} PMI couldn't be removed.
A collection account is affecting my credit sore. I want it remove because it 's not mine please I 'm trying to buy a house
I had setup an Amazon Store Card ( Synchrony Bank ) and I believed my cycle date was on the XXXX of the month. I have been paying {$100.00} ( way over the minimum ) on the XXXX and did not receive any notification that I did not pay on time because my actual cycle date was the XXXX of the month. Did not know that I was being charged every month for {$35.00} late payment fee. I contacted them Customer Service XXXX and explained this situation. I was only receiving a email monthly with a link to my account but I could not remember by credentials to access the account. They agreed to only credit XXXX late payment fees and refused to credit the XXXX remaining. That is {$100.00} charges for a customer that uses their services and pays consistently, but because of a mistake regarding bill cycle date. Why did they not send a notification that I was charged a late payment fee to my email or call me so that they could make sure that there was not this situation?
In case # XXXX on XXXX/XXXX/2016, Wells Fargo stated they would have the account canceled in 2-3 weeks. They have not canceled the account as of XX/XX/XXXX and are unwilling to provide a date for when this will be resolved and have stated they will continue to send me bills demanding money for a loan they never funded, was canceled, and are aware was canceled. 

At this time, they 've violated the Right to Cancel time frame and their previous written understanding based on the previous complaint. They have been told I 'll only respond to things in writing as they have to refused to provide me with any information I can verify independently over the phone. 

Similarly, based on my call to XXXX, their statements that they are speaking with them to " resolve '' the issue appears to be incorrect as I was told there was no cancellation process underway by XXXX and the " contact name '' they gave me does not return my attempts to contact him. 

& gt ; The account was noted on XXXX XXXX, 2016, that the cancellation request had been received. We confirmed that the account cancellation is being processed and that can take two to three weeks. Once the account is cancelled that information will be forwarded to the county to have the lien released
Have been attempting to obtain my title from Ally Finance for over one month, company claims to have mailed document and I still have not received. I have called weekly and receive no help from company, every time I call I receive a different explanation. One person says it has been mailed, another says it is sill processing.
On XX/XX/2019, I looked at my FICO score on the XXXX banking website. I noticed my FICO score had gone down from XXXX to XXXX. I called XXXX and a representative informed me that they receive their information from Experian. I explained to her that I havent opened any new accounts and I am also not delinquent on any accounts. My credit score with Experian is XXXX. When I attempted to start a dispute due to about 4 accounts labeled as possibly delinquent. When you attempt to start a dispute the website tells you you have to set up an account so that Experian can pull your credit report periodically. If you do not agree to that you cant start your dispute. The record number on Experian is XXXX
During the mortgage loan application for my house ( first time buying a home ), the Loan Officer at Golden Empire Mortgage, XXXX XXXX, promised me to exclude the loan origination fee in the amount of {$2400.00}. I was rushed to sign all the loan documents by the notary, and was told that XXXX was going to go over all the details with me later the same day. Nobody disclosed to me that I would have 3 days to go over all the details, and that I had the right to cancel the loan if there was anything wrong with it. When I realized that the fee of {$2400.00} was not removed, and I asked XXXX XXXX about it, this was her response : " Oh shoot, I forgot.. do you want me to redo the whole loan, which will take another 30 days or so? ". Again at any moment she told me that I had 3 days from the day I signed the loan papers to either cancel or adjust any discrepancy. I was really disappointed with the dishonesty and the lack of respect to me as a consumer/client. If I knew I had 3 days to go over the details of the loan and fix any errors or discrepancy in any money amount, I would have totally argue/fight to have that amount adjusted/removed from the loan. I thought that once the papers were signed that was it I could not go back or fix anything. I could not redo the whole loan, as she suggested and wait another 30 days because I had already given the 30 days notice to my previous landlord, so I had to move into the new home within the next couple of weeks. I will never ever recommend GEM mortgage to anyone, especially this particular loan officer.
I have a loan with Military Credit Services. This company has a few affiliations. I am military and while moving from my past location to my present one I experienced significant financial hardship. I attempted to communicate this to their office to no avail and the account went to collections. 

Since then, with the intervention of CFPB I have a lower payment which has been made on time since XXXX 2015. 

Therefore my agreed payments have been made on time for XXXX, XXXX, XXXX, XXXX and XXXX ( 5 Months!! ) and the company updates my credit profile with " account in collections '' for all of these months!
Hello Team, I recently applied for a Huntington bank voice Credit card upon a invitation call from the bank representative in XXXX MI branch. 
After i visited the branch and provided all information she went ahead with processing my application. After sometime she came back to me stating my application is rejected as I am not a US citizen. 

I have many different credit cards and I have been living here since 3 years on a work visa. I have an excellent credit score. 
I want to know : 1 ) Is it legal for banks to reject Credit card application even if the person 's credit score is excellent and has furnished all his documents to bank. 
2 ) The bank should clearly mention it in the invitation and advertisement that credit cards are only for US citizens. 

This has left me with a shock on why my credit card application was rejected due to citizenship even if I am a tax paying, law abiding person legally living and working in US. 
- The bank invited me and processed my application taking my 30 minutes just to answer back that my application is rejected. This is disgusting and very frustrating. 

I want your help for the matter to be investigated and proper justification from bank. 

thanks XXXX
I want to have a mortgage with Chase. I have got a commitment letter. However, the rate is rather high as I compared with XXXX. I asked Chase if he can give me the same rate as XXXX. Chase said that is the best rate he can offer me. So I decided to switch to XXXX. 
I have paid {$500.00} for the application disclosure including appraisal fee. But when I want to have the appraisal copy, he can not give me because the appraisal itself has not been done yet. I am now using XXXX to get my mortgage done. 
I have requested through email on XX/XX/XXXX. Chase 's lender gave me so many nonsense explanation, such as ... 
1. He will ask the underwriter to send me the copy. 
2. He said give him a few days more. 
3. He said the appraisal is in the commitment letter. 
4. He said he never charge the appraisal fee. 
5. He asked me to contact processor do one for me. 
6. On XX/XX/XXXX email, he said to me not to worry and will order the appraisal very soon. 
My question is can I get my money back from Chase because I know that they can not give me the copy. 

Thanks.
When we mail our mortgage payment on time for due date it is processed in a timely matter in 3 days. When it is after the XXXX of month and near late date of XXXX it is not processed in a timely matter, but we are told it did not arrive by XXXX and then charged an {$80.00} late fee. The lender is Caliber Home Loans XXXX XXXX XXXX XXXX TX XXXX. If this is a common practice it should be looked into and a possible class action suit brought for this practice of holding payments by check.
I filed bankruptcy on XX/XX/2018. I have a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OK. I had financial difficulties and was not able to make a payment. This was during my bankruptcy. I finally got my discharge in the mail on XX/XX/2018. When I talked to the representative today, I was told that " we are not going to put a payment at the end of the loan because you are behind ''. This late payment was during the bankruptcy and it was my understanding that they could not come after me for that payment. I never have been behind on any payment the whole time I have had the loan. I only get paid once a month on Social Security and I am a senior citizen with health issues. All I am asking if for some help with some kind of arrangement. They are the rudest people ever!!
Good day, I applied for home mortgage at Wells Fargo bank and had a so bad experience. I came to the branch at XXXX XXXX, Florida at first time in middle of XXXX 2017. I was honest and told to consultant XXXX XXXX XXXX XXXX that I 'm single mom, my average salary is XXXX $ per month, I do n't have a long working history in the USA and I need to use first home buyer program from XXXX county for down payment. He was polite and nice, so he sent my application for pre-approve and I 've been pre-approved. When I found a house, my consultant suddenly realized that I do n't have 2 years experience in the USA, but in few days he said that I should be ok. We started process. I signed documents with the seller and paid XXXX $ deposit, paid XXXX $ for house inspection, signed documents in the bank and started to wait decision. For couple of weeks I did n't hear from anybody, so I started text to mortgage consultant and realtor XXXX XXXX XXXX XXXX nobody answered. Finally XXXX ( mortgage consultant ) picked up phone on Monday,XX/XX/XXXX. He told me that he is going to have answer for me in couple of hours from the XXXX county assistance program. ( Note : Seller knew that everything is cancelled at this moment because he got phone call from realtor almost one week earlier. So, while I tried to find information everybody knew already that everything is cancelled, but nobody told me truth, just ignored me ). XXXX did n't call me that day and next day, he did n't pick up phone. I emailed him on Wednesday XX/XX/XXXX and got answer : " Hi XXXX, Unfortunately we are not able to provide XXXX county assistance now. We have to get re-approval again because the one we have expired ''. So, how does it come consultant did n't know they ca n't provide XXXX county assistance? I spent time, money, refused to get new job because of mortgage process for nothing. If he saw that I 'm not qualify for mortgage due to not enough experience, small salary or other why did n't he tell me truth at first? Why I got answer after wasted time and money? He is consultant and his job to help.
Finally, in almost two months of waiting I do n't have official decision from the bank or XXXX county assistance program, I have just consultant 's " unfortunately, we ca n't ... ''. Due to this situation I lost a good house at good and safe location as well. Please, do investigation and give me answer on this situation. <P/>Thank you and have a good day. <P/>Kind regards, XXXX
My XXXX credit cards issued by capital one was compromised and they replaced all XXXX cards accordingly. However, I am still being made to pay for the fraudulent charges made on the cards all the while they are saying an investigation is taking place there has never been a resolution to the investigation and yet I am still suffering from the overage as well as the restrictions of the card but have not used them. Not to mention its being reported to the XXXX credit agencies. They say I need to still pay and they reimburse but that does not make sense to make me the victim pay for them to reimburse when in fact they have not done anything in regards to this incident. I spoke with several people in the fraud department as well as collections to no avail. Everyone is looking into it but no resolution. Its been under investigation since XXXX and its now XXXX and nothing has changed except new cards with the same fraudulent balance transferred over to new cards. Please help bring resolution to this very awful ordeal.
I have disputed this erroneous, inaccurate and unverifiable entry with United Revenue Corp on multiple occasions as well as disputed them with the credit bureaus. In my most recent communication to United Revenue Corp. dated XXXX18, I was specifically responding to their latest response ( see attached ), denoted as frivolous. There were not any parts of my previous requests that were frivolous. I was very specific in my request that they validate the debt they were alleging I owed. 

United Revenue Corp did not provide an agreement that stated their authority to collect on this alleged debt, nor did they provide an agreement with the signature of the alleged debtor wherein he/she agreed to pay the creditor ; verification that the debt was assigned or sold to collector, complete accounting of alleged debt and name and address of bonding agent for collection agency in case legal action becomes necessary. To no avail. This is very specific and counters their claim of being frivolous. In my letter dated XXXX.18, I was even more specific in requesting that they provide a copy of my signature with the provider of service alleging the debt to release my medical information to them as well as for them to cease any credit bureau reporting until the debt had been validated by me. To no avail. See attached return receipt that reflects United received my dispute and blatantly refused to respond. It has been almost 60 days since my request for the aforementioned documentation, yet they have failed to comply. 

It is apparent that United Revenue Corp is unable to prove the validity or accuracy in the 2 entries they are continuing to report as derogatory on my credit reports. To that end, these erroneous, inaccurate, unverifiable entries must be deleted immediately.
My parents house has been called constantly from XXXX XXXX for collection of my credit card bills. I am not registered at their home address, nor do I live there and I do not share a phone # with them. My mom does not speak english as a first language but has told them, I do not live there and stop calling. She is STILL receiving repeated calls from XXXX XXXX to collect my debt. I need this to stop now. I have more than one account. I hope they can apply to all my credit cards through this bank. 

Thank you.
RE ; WELLS FARGO - LOAN # XXXXPlease help me avoid foreclosure, it is now over XXXX months since i requested help from my mortgage company regarding a HAMP loan modification. for the past XXXX months Wells Fargo has assigned XXXX different negoatitors to review my application and every time i get assinged they request for the same documents over and over again. 

Please help me since i have provided every single document to qualify for a loan modification and now as of XXXX/XXXX/2015 Wells Fargo told me that i was denied because it is not on the best interest of the investor to help me keep my home. 

Now i am frustrated and upset since it is now almost XXXX months going back and forward with Wells Fargo playing games. 

XXXX XXXX
A collection agency named XXXX XXXX informed me that they notified Equifax to remove a collection account they had reported in error ( # XXXX ). Equifax refuses to delete the account. I have disputed the account with Equifax twice, but they refuse to take it off of my report, even though the collection agency ( themselves ) have asked them to.
Equifax Mortgage Ser Inquiry from XX/XX/XXXX Credit Plus Inquiry from XX/XX/XXXX Credit Plus Inquiry from XX/XX/XXXX I do not recgonize these inquaries.
In XX/XX/XXXX, Bayview Loan Servicing became the new company that took over my loan from XXXX XXXX XXXX who took over my loan from XXXX XXXX XXXX. After years of trying to get a loan modification from XXXX. 

Bayview started a loan modification for me in XX/XX/XXXX. After losing " sent '' files and other mishaps by the Bayview that prolonged the modification process for months. 

In XX/XX/XXXX and XX/XX/XXXX I received two " drive-by '' appraisals on my property which were totally incorrect. I had in XX/XX/XXXX, gotten an appraisal on my property. 

After getting turned down for a loan modification for a mistakes, like not recording documents that were sent to representative to name a few things that Bayview had made. I appealed the decision of denying me a loan modification. 

As I wait for the appeal to be completed, to my surprise I receive a " posted notice of foreclosure date '' on my property stating that a foreclosure sale is scheduled for XX/XX/XXXX. I have never received a disposition on my appeal but Bayview has hired XXXX XXXX to sale my property. 

This seems like Dual Tracking which is unlawful for a loan service to do as an appeal is still pending. I have not received anything regarding my appeal but a foreclosure sale is scheduled for XX/XX/XXXX