WillisBack/dataset-financial-user-claim huggingface dataset:
I have try to solve this for some time now, with XXXX and Experian, XXXX XXXX took the time to investigate and remove all negative fans charges for my credit report. 

Turns out that my brother open credit cards and other accounts in my name for several years while I was living overseas. When I return last year I try to fix my credit report for months only XXXX XXXX took the time to investigate. 

I do never open accounts with the following companies, all account I have are up to date with XXXX balance. 


XXXX XXXX XXXX XXXX XXXX XXXX 142 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 197 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$4000.00} {$0.00} {$0.00} XXXX XXXX $ XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$0.00} {$0.00} {$1100.00} XXXX COLLECTION ACCOUNT {$1100.00}
I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with XXXX companies ( XXXX Home Mortgage companies and XXXX traditional bank ). This all ocurred within 30 days. Now that I selected XXXX company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the credit bureaus would reflect this as 1 inquiry? Could it be that the whole mortgage process from application to closing took more than 30 days? I do n't think it is right that my credit score was negatively impacted by XXXX points. The Home Loan Companies I applied to are : XXXX XXXX XXXX Bank XXXX, RI the XXXX I used ), XXXX Bank, XXXX RI, XXXX XXXX XXXX XXXX RI, and XXXX XXXX. Multiple Inquiries came from a company named XXXX, XXXX, XXXX XXXX, and XXXX. 
I am happy to provide additional specific details upon request.
XX/XX/XXXX I received a letter form XXXX XXXX XXXX thanking me for participation in the loan assistance process XX/XX/XXXX XXXX XXXX XXXX XXXX notified me regarding my loan number:XXXX, { XXXX }. A re-instatement order was submitted. By the Home loan team. Respond by XX/XX/XXXX completed the package forwarded to the Home Loan Team. XX/XX/XXXX I received a letter from Carrington Mortgage LLC Phone XXXX stating my loan had been transferred to their company. Loan no. XXXX Stating they would honor the { XXXX }. Submitted to XXXX XXXX XXXX,  However I submitted another { XXXX } with Carrington Mortgage LLC. After receiving a notice my deadline was XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX filed notice of a collection foreclosure hearing with XXXX XXXX XXXX XXXX XXXX. for XX/XX/XXXX another foreclosure hearing is set for XX/XX/XXXX Note : under NC.G.S. 45-21 16 { C }. 15 U.S.C.1692 a { 5 } > Lender is supposed to provide barrower XXXX XXXX an opportunity to resolve the matter through any an all resolutions ... I inquired about the status of my { XXXX } application? Once the barrower has submitted a { XXXX } .application the foreclosure process is supposed to ceased By according FHA , FEDERAL an  STATE LAW.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2016 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
XXXX XXXX XXXX, XXXX XXXX and their subsidiary XXXX XXXX XXXX XXXX ( XXXX ) misrepresented material facts related to the excess proceeds during the hearing of XX/XX/XXXX. Specifically, when the Court asked if there are any reasons why the excess proceeds should not be paid out to XXXX, they remained silent and refused to relate XXXX XXXX XXXX XXXX XXXXXXXX and XXXX along with Bank of America, N. A. lied and represented, in writing, the XX/XX/XXXXXXXX Trust Deed had been paid off in XX/XX/XXXX. This intentional misrepresentation was made, in part, so that the borrower wold not be entitled to the excess proceeds after the foreclosure sale at auction of XX/XX/XXXX. Additionally, XXXX also misrepresented the total amount owned on the bank 's XXXX Trust Deed and intentionally left out the {$89000.00} principal reduction on an MHA HAMP amendment that becomes due at the time of default. The reason, in part, for the intentional misrepresentation of the debt owed was to lower the amount for sale at auction. Folks buy the debt associated with the Trust Deed to turn a profit. On XX/XX/XXXX, to debt sold at auction for {$320000.00}. The bona fide purchasers then sold the property - without holding title - on XX/XX/XXXX for {$420000.00} making approximately {$10000.00} in profit. If the {$89000.00} had been added to the {$300000.00} ( the amount reported owed by XXXX ) the total amount owed would have been {$390000.00}. Add in the improvement and legal costs, the profits would have been around {$15000.00} rather than {$100000.00} and most likely would not have sold at auction leaving me in my home as the bank, XXXX XXXX XXXX, XXXX XXXX and XXXX would not and, in fact, did not, proceed with a judicial foreclosure. Which is the most nonsensical thing ever ( other than tapioca pudding ) because a judicial foreclosure would have barred a California Homeowners Bill of Rights claim and litigation. 

Desired resolution would be to receive a full explanation addressing and detailing the due diligence surrounding the actions taken during the foreclosure processes including, but not limited to, pre and post foreclosure activities as Trustee and Trustee 's Attorney.
Dear Whom it may concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX XXXX XXXX XXXX XXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, XXXX XXXX XXXX
my loan is now being serviced by ocwen. they increased my escrow amount ... ... it is only pmi ( no insurance or taxes ) escrow is not to increase. The loan was transferred from XXXX to ocwen. they have given me all kinds of excuses. XXXX did not send the escrow money ... I told them to ask XXXX for it. then that was not the issue. I have tried for two years to get this resolved with ocwen and to no resolve. please help me. XXXX XXXX XXXX my mailing address is XXXX XXXX XXXX XXXX VA XXXX
XXXX XXXX XXXX claims I owe the amount of XXXX to XXXX, this policy was supposed to be canceled on the date specified, several months ago, via a phone rep,. It appears that rep did not cancel as per my request and coverage remained. This is not my error and refuse to pay. Please advise CCS to cease collection efforts and remove account from credit file, if reported. I attempted to resolve this directly with CCS, reps referred me to XXXX and or requested payment which they will not see.
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : Balance {$1200.00} Dear Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Double charges of interests. 
Macy 's charged me interests several times for one time of late payment. I was late for a payment once, and there was a late fee and interest. I paid the full amount, {$95.00}, and this amount included the late fee AND the interest. This was due on XX/XX/2016, and I made the payment on XX/XX/2016. But Today, I found out that they charged me interest ( something called minimum interest of {$2.00} ) for XX/XX/XXXX AGAIN after this payment. Since I made the full payment before the due date, I am not supposed to owe any more interest. But they charged me again for the interest. According to their way of calculation, even if I pay the full amount, I am still owing another interest. Then, when am I ever done with the full payment? I will always be in debt, wo n't I? This is an out right exploitation and fraud. I never heard of anything like this. The amount is small. So, it is not about the amount. I am sure they have exploited MANY consumers this way. Today, I paid {$6.00} total for the double interest that they claim that I have to pay. Since Macy 's have a lot of customers, I am sure that a lot of consumers are subject to this act of fraud.
XXXX XXXX XXXX XXXX has submitted XXXX inaccurate outstanding debts. I filed a dispute with XXXX. I have contact them numerous times for their " trip notes ''. What they submitted to XXXX and what the hospital claims on XXXX transport, are completely opposite. On XXXX XXXX, 2014, my home was burnt down. I did not call them, nor did I receive treatment. They never billed XXXX, which by law, they must do. They are billing me {$100.00} for showing up at the scene. The firefighters showed up as well, but they did something. I said I could n't have possibly called them because I was pulled out of my home while it was on fire. They stated, " Too bad, you are still responsible ''. I was appalled. For what??? Them to watch my loss??? 

On XXXX XXXX, 2014, they were called to my residence by XXXX XXXX Police. They stated that they transported me because I could not hear, although XXXX was billed for advanced XXXX ; incorrect. Again, no treatment was administered. Upon arrival XXXX, they stated that I was an XXXX was performed, XXXX but NO services were received or performed pertaining to my hearing. One date of service was either, never submitted to XXXX, because no services were performed, and the other was, as XXXX explained it to me, was billed incorrectly. Because the services stated were NOT received.
I was in a Chapter XXXX Bankruptcy, in XXXX of 2016, I agreed to an consent order to repay arrears owed to Nationstar. 
That ( 1 ) to cure the arrearage, Debtor ( s ) will remit {$2000.00} Instanter, no later than XXXX XXXX, 2016 ( 2 ) the remaining balance of {$700.00} will be cured over nine ( 9 ) months in the amount of {$78.00} per month, due on the XXXX day of each month beginning with the payment due for XXXX XXXX, 2016. 
My bankruptcy was discharged as of XXXX/XXXX/16. I received correspondence as as of XXXX XXXX, 2016 that no payments were applied to my account an now they want to proceed with foreclosure proceedings as of XXXX. I have copies of all payments that were cashed by Nationstar.
I requested online through Amazon a Visa credit card issued by Chase. I was approved immediately online, which I expected because of my long-standing credit card account with Chase. 
Today I received my card in the mail. It was issued in the wrong name - XXXX - the name of my wife 's ( XXXX ) former husband!!! 

How this offensive mistake happened is beyond me. l did NOT ask that my wife be on this new Chase card. My wife is NOT on my current Chase card. My wife is NOT on my Amazon account. I have never communicated any PII about my wife to Chase or Amazon. 

The very courteous call center representative I just spoke to is arranging for me to get a new card shortly. I still want the card, but I also want to understand what privacy and system breaches occurred to allow this mistake to happen.
Equifax had a severe security breach " in XX/XX/XXXX '' where all confidential information was leaked. This was only disclosed on XX/XX/XXXX and XX/XX/XXXX. The data leaked is sufficient to destroy my and hundreds of millions of customers credit and lives.
Information disclosed included address and address history, SSN, DOB, etc.
I have repeatedly requested that Chase bank lower the interest rate on my credit card to at least the interest rate with the other cards I have with them. The card in question has an APR of 28.74 % whereas every other card I have with Chase has an APR of 17.49 %. There is literally no justification for this excessive and abusive rate. I am requesting an immediate reduction of the APR on this account to at least the APR of my other credit cards with Chase.
On XX/XX/XXXX I applied for a line of credit to purchase furniture over the phone. An account was opened for XXXX XXXX only. Once I realized this mistake, I called in and they opened a XXXX XXXX account that could be used anywhere ( this is what I originally authorized and thought they were doing to begin with ). They closed the XXXX XXXX  account. The next month ( XX/XX/XXXX ) I received a copy of my credit report and there was two inquires and two accounts showing up on my credit report. The XXXX XXXX account showed opened then closed two days later. I called the company regarding this error which caused my credit score to significantly decrease, and I spoke with account manager XXXX ( XXXX # XXXX ). He stated he would send a letter to the credit bureaus stating the XXXX XXXX account was opened in error. He could not confirm if they would delete the account or not but he would try. He told me to request a copy of my report withing 45-60 days to see if it was gone.
My son purchased a home with a mortgage from Wells Fargo in XXXX XXXX. I paid {$150000.00} as down payment. I was listed as a co-owner on the deed. I did NOT sign the Note. The was foreclosed upon and Wells Fargo falsely sued me as having defaulted on the Note. They dragged this out for nine years, and filed many court extensions. This caused the Homeowners dues to escalate to {$10000.00} and made me liable as my son ended up committing suicide. The home finally auctioned in the courtroom in XX/XX/XXXX for way below current market value. I still have the stigma of having a foreclosure on my bureau of conveyance records. At age XXXX, I do n't need to be stigmatized after having excellent credit my whole life. Although the issue is now closed, their treatment towards me felt like senior abuse.
11 months ago I submitted a loan application with Quicken Mortgage Loan Company to refinance a home loan. I provided all of the information the representative requested, an appraisal, pest inspection, XXXX for me and my wife an array of different documents and information all over a two month period to be told that the loan was not approved. the expense incloded {$400.00} appraisal, {$25.00} pest inspection and a XXXX point drop in my credic score because the company ran my credit report several times under different company names. Each week a representative from the company would call making additional and repetitive requests for the same information implaying that the loan was in the approval stage to string us along to the point that we could not go through another company to seek a lone because Quicken ; s multiple inquiries precluded us by dragging down our credit score. Unfortunately, Quicken failed in their promise to complete the loan. 
Two weeks ago my wife made an inquirery with Quicken again to secure a VA mortage loan. Again we provided all the information. The representative stated that the loan was in the approval phase. Today the representative stated that he needed me to file my XX/XX/XXXX taxes which are not due until XX/XX/XXXX. I informed the representive that I may have to request for a tax extension because I have business deductions. He stated that although he has my XXXX for XX/XX/XXXX, Quicken needs my XX/XX/XXXX taxes to be filed before the loan can be approved. I think that I have been mis led by deceptive loan practices and I feel betraied by the mis representation by Quicken and their loan agents and practices. Quicken could have informed be prior to me signing th papers for my credit information that I could not have income tax which showed adjusted income on my tax information. Quicken representative should have informed me that the amount of the loan request required me to have a specific income to qualify for the loan. If I could have been informed on the front end, I would have not have proceeded with the credit request, Now although I don ; t have any negative results on my credit score because of all the inquiries by quicken my score droped. Therefore, if I wanted to obtain a loan through another lender my score after their inquiries prevents me from applying to another company for two years. The inquiries that Quicken will remain on my credit file for a two year peroid. Quicken is not a prudent company and their loan procedures are deceptive and misleading.
My complaint is with American Express. I have had a American ExpressXXXX card for a number of years. Because my roundtrip mileage to visit the nearest XXXX was eitherXXXX miles to the XXXX PA area or XXXX miles to XXXX MD and they opened a XXXX 's XXXX XXXX only XXXX miles ( RT ) from my home, I decided to allow my AMEX/XXXX to expire XX/XX/XXXX. I continued to use my card XX/XX/XXXX accumulating approximately $ XXXX in cash back rewards. Since AMEX severed its relationship with XXXX, I was told that I was no longer entitled to any of the accumulated cash back rewards. I find it interesting that AMEX gladly accepted my charges for more than a year including a {$10000.00}. charge XX/XX/XXXX, after my XXXX membership expired. I have tried to resolve this by phone on several times, but have not been successful, only getting contacted with their overseas customer service, who claims they were unable to transfer me to the US offices.
I had obtained a private student loan from XXXX/Naviant to attend XXXX. 
After attending the classes I had obtained other financing which was paid to the school directly. 
XXXX/Naviant was issued a check directly from the school refunding the proceeds from their loan. The check was cashed by XXXX as you will see from the attached documents showing the deposit stamp on the back of the check. 
XXXX also received a XXXX dollar cash payment which I also have the payment receipt from XXXX as well. They have received this money as well as the payments that they were auto drafting from my account during this time period. 
They have stated the remaining balance is due to service fees and late fees but I have been fighting them for several years on this matter. 
I have reviewed the postings on the internet stating that XX/XX/XXXX and Naviant were guilty of false charges as well as misleading the clients on repayment and late charges etc. 
I have been contacted by numerous collection agencies ( XXXX ) over the past several years and then after I send the documents that i have the collection agency stops contacting me and then XXXX/Naviant just hires another agency and the process starts over. 
The school that I had attended has even been involved I have recently hired XXXX to attempt to get this removed from my credit bureaus. The law firm advised me to file a complaint with you as well to aid in the process with the history your company has with XXXX/Naviant.
I have dealt with Navient Since 2015 when I got current with my student loans I started paying them. I got a different payment play every month I refused to put my account on auto draft. They put me on a placed me on a income based plan paying {$56.00} the next month my acct was autodrafted over {$100.00} when I called back the agent told me they took me off my income based plan because I did not qualify then they had me pay {$72.00} then it went up again to {$150.00} I went up to a supervisor who told me I made too much last year even though I got married and supported my spouse who was unemployed. I went then on deferment for 6 months and now I am in school. I do not want to deal with Navient and their trickery because they do not have my best interest as a borrower in mind they just want money.