WillisBack/dataset-financial-user-claim huggingface dataset:
This is now my second request for your agencies to remove two items that I am not responsible for I have request prior and they are still listed There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX # XXXX I am NOT liable for these two accounts these need to be removed off of my personal credit file. 

I have already mailed two request also this needs to be addressed ASAP
I submitted an application for a mortgage refinance loan with Quicken Loans on XXXX XXXX. The terms of the loan were conventional loan with LPMI, no appraisal required and the rate was 4.125 %. I submitted all the required documents and the loan processing started. On XXXX XXXX I received an approval letter from Quicken Loans confirming that I had been approved. During this time I contacted a few other financial institutions to shop around a bit because the fees that I was being charged from Quicken Loans seemed a bit exorbitant. XXXX lender referred to the Quicken Loans loan estimate as predatory lending. I did not feel comfortable with this information and on XXXX XXXX I contacted Quicken Loans to request that my mortgage application be withdrawn effective immediately. On XXXX XXXX, a lady named XXXX from the Quicken Loans Executive office contacted me to ask me why I was withdrawing my application and to determine if there was a way they could keep my business. I informed her that I was moving forward with another lender and then I asked her to confirm that the loan application has been cancelled, which she did and she said I would receive a letter confirming this in the mail. On XXXX XXXX, I received the letter but the reason listed in the letter was incorrect. The letter was worded that they could not offer me a loan because of my 'unique ' financial situation. This was really upsetting as I 've never been declined by a financial institution in my life. I immediately contacted them to have this information corrected. XXXX XXXX called me on XXXX XXXX and apologized for the letter and stated that by law they are required to send out a letter when the loan process does not complete. I told him that the letter should state the real reason, not a made up one. He agreed to send me an updated letter stating that the reason was that the customer had withdrawn the application. I received a letter from him via email but the letter did not have any information referencing the loan number or his signature. I responded to him on XXXX XXXX to let him know that the letter was not acceptable and his coworker XXXX XXXX ( he was out of office ) informed me that they could not change the letter. I do not feel comfortable with a letter with made up information on it. Quicken Loans needs to correct this. They said it 's not a big deal but the fact that they are fabricating information about my withdrawn loan application is a big deal for me. It seems malicious and like they are retaliating against me for withdrawing my application.
Upon leaving XXXX XXXX, I was initially unable to consolidate my loans due to not graduating. I was in deferment because I was a student but applied to a program in XX/XX/2008 to get reduced payments by submitting three consecutive payments. I was denied this reduction because I was still a student. My interest has taken a XXXX dollar loan to over 200,000. I have tried to negotiate payments and offered buy outs. I was unable to afford their monthly as well as buy out offers and now they have resorted in selling my loan to a collection agency to avoid their responsibility.
BACK IN XXXX/2017 I SENT COMPLAINTS TO CHEX SYSTEMS CONCERNING ACCOUNTS THAT WERE INCLUDED IN MY BANKRUPTCY AND COMPLAINTS TO ALL THE BANKING INSTITUTIONS CONCERNING MATTERS THAT WERE REFLECTING AS AN OPEN COLLECTIONS UNDER MY NAME WITH CHEX SYSTEMS. I RECEIVED A RESPONSE FROM ALL THE FINANCIAL INSTITUTIONS STATING THAT THESE ACCOUNTS WOULD BE REMOVED FROM CHEX SYSYTEMS. 

TO DATE CHEX SYSTEMS HAS NOT REMOVED THESE ITEMS AND THESE COMPLAINTS WENT THROUGH THE CFPB BECAUSE CHEX SYSTEMS REFUSED DELETE THESE COLLECTION ITEMS FROM THEIR FILES. PLEASE FIND THE FOLLOWING COMPLAINTS NUMBERS : XXXX CHEX SYSTEMS XXXX CHEX SYSTEMS XXXX XXXX XXXX XXXX CHEX SYSTEMS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHEX SYSTEMS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I RECEIVED RESPONSE FROM A BANK INSTITUTION THAT MY SCORE IS VERY LOW WITH CHEX SYSTEMS DUE TO THE FOLLOWING : Chex Systems Consumer Score : XXXX Scores range from a low of XXXX to a high of XXXX. 

Key factors that adversely affected your credit score :  XXXX PREVIOUS DEBIT INQUIRY HISTORY XXXX CREDIT ACTIVITY : EXCESSIVE RECENT INSTALLMENT TRADES XXXX REPORTED DEBIT CLOSURE XXXX DELINQUENT OR DEROG CREDIT BEHAVIOR XXXX CREDIT AND CHEX INQS MAY HAVE ADVERSELY IMPACTED THE SCORE
I have noticed in the past that there were ( 2 ) small student loans ( dated Open : XX/XX/XXXX ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time. 
XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Previous CFPB Dispute # XXXX
Although I have been an excellent customer of Chase for many years, and have not missed a payment nor exceeded my credit limit, they have decided to reduce my limit from XXXX to XXXX. They claim this is due to too many other accounts and high balances, however it is not fair represent a credit limit as XXXX amount and then as I get closer to the limit change it to a lower amount! Did I ever really have a limit of XXXX if as soon as I spend XXXX toward it it shrinks down? This is deceptive and the decision for my limit should be based solely on my good relationship with Chase and not on whatever may happen with other cards I hold. Plus, as a result of their decision, my credit score will drop further now that I am much closer to the total amount of available credit. This needs to be fixed and reversed.
Dear Consumer Relations : After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain items on the credit file dated XXXX/XXXX/15, with Confirmation XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXXThe data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that it is appalling that you insist on reporting derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. My full name I will provide with this letter. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than XXXX days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX
On XXXX/XXXX/XXXX Ditech increased my escrow payment from {$230.00} a month to {$490.00}. When I called Ditech then I was falsely told that my real estate taxes had doubled but later I checked and found that to be false. Then when I called again I was told that Ditech had under estimated my new taxes therefore they had sent me a check for a surplus in the amount of {$1600.00} back in XXXX of XXXX. Mind you I went ahead and spent these funds on a new water heater for my residence. Therefore Ditech stated because of the false surplus check they had sent that now starting in XXXX XXXX my escrow account was negative, and that I had to make a payment of {$490.00} a month for my escrow account instead of my regular {$230.00}! I pleaded and explained that this was really a terrible hardship for me ( a senior citizen on a fixed budget ) but to no avail. I was threatened with being reported to the credit bureaus for being late or delinquent on my mortgage therefore I was forced not only to pay the additional escrow amount but also XXXX time paying a {$12.00} pay by phone fee since that was the only immediate payment option. I have continued to pay my regular mortgage payments plus the additional {$260.00} ( XXXX ) for my escrow for 8 months now ( XXXX XXXX thru XXXX XXXX ). Finally on XXXX/XXXX/XXXX I sent an email to Ditech once more asking for a review and I was told by their XXXX XXXX, XXXX letter that it would take 30 days to investigate. Today when I called I was told a letter was sent out dated XXXX XXXX, XXXX ( which I have not received as of today ) stating Ditech will not change my escrow amount even though to date I have paid {$2100.00} extra funds in escrow since XXXX XXXX. At this point I feel I am being penalized heavily all due to Ditech 's own accounting errors, and finally why should I be made to continue to pay when I have already paid well over the {$1600.00} erroneous surplus amount sent by Ditech?!
This debt should have been handled several years ago and I am still receiving threading calls to garnish wages and had the police show up at my house. I have now been forced to pay on a collection {$300.00} per month. They are saying that I owe a total of {$47000.00}
I financed my vehicle several years ago through Ally Bank ( Dealer chosen, not by me ). I set up my loan to make auto debits from my checking account. I have never made a late payment or missed a payment. In between 2 of my regularly scheduled payments I mailed in Principal payments. When I checked the status online to make sure they were received I noticed they had marked some of the future payments as being paid. I called them up and made sure they corrected these payments because I wanted them towards the Principal balance only. They corrected this however they still removed interest from my principal payment. After several calls to Ally to correct this a rep finally said Ally removes interest from every payment even if it is a principal only payment. This does not seem fair. My payments were still made on time both before and after each principal payment.
Was contacted by my mortgage company, who offered to lower my interest rate at no cost to me. After a couple of phone calls, I realized I was actually " re-financing '' my mortgage, not just lowering my current interest rate. I felt this was very deceptive. The first person I spoke to sent me to another person who said she would be my point of contact through out the process. This did n't happen. At every step of the way I was given another " contact '' who would be with me " through out the process ''. After explaining to several " contacts '' that I did not want to finance more than my current principal balance I received my first closing disclosure. This doc was incorrect because they added money to the principal, which I had already explained to several of my " contacts '' I would rather pay for than finance. I was told the docs would be fixed. They then showed up at the closing with the wrong version of the docs. The closing did n't happen. A second closing was scheduled. Another set of closing disclosure docs were prepared. These docs added even more money to the principal which I explained again to my newest " contact '' was n't acceptable to me. After spending 45 mins on the phone with my latest " Contact '', I thought I had finally made the point that I was trying to make all along. I wanted to only finance what my current principal balance was, and would pay for the additional moneys required to payoff the current loan. I was told this would be the interest amount from the XXXX of the month to the date of closing. They would still pay all closing costs. Second disclosures showed up. Once again incorrect. I was told to keep my scheduled closing date as a new set of docs would be drawn up in time for this closing. I never received this third version until the actual day of the closing and yet again the principal amount was now even more. 
I am now stuck. If I do n't close I 'm going to have late fees for missed mortgage payments. The missed payments were because my " contact '' told me not to pay them as they would be taken care of once the new loan was closed, which did n't happen. The aggravation of having to explain myself over and over to many different " contacts '' and none of them actually doing it the way I wanted makes me feel like they are trying to scam me out more money than necessary. I do n't want to close this loan but I am now on the hook for late fees. So either way, the 're getting more money out of me than was necessary.
We continue to get early morning phone calls from  Ocwen Loan Servicing .  Today (  Saturday,  XXXX   XXXX   )  Ocwen called my home at  XXXX  and woke the entire family. Before I could get to the phone,  Ocwen hung up and did n't leave a message. I have repeatedly told Ocwen re presentatives to never call my home early in the morning - especially during weekends.
Equifax divulged my information without my consent via the recent data breach. This has made my personal identifiable information, including but not limited to my SSN, my date of birth, and my credit card information, essentially public information.
My wallet was stolen a week ago and I have made several attempts to have a fraud alert put on my credit without any success. Every attempt I made to gain access has been futile. I keep getting a message saying " my request can not be processed ''. Not being able to put a fraud alert on my credit is putting my credit worthiness at risk everyday that I 'm not able to access my credit report to apply the fraud alert.
Hi, We considered we have been misled by Opes Advisors regarding the closing costs of our mortgage. 

Our project was to purchase a home for {>= $1,000,000}, with a loan of {$810000.00} and a down payment of {$200000.00}. 

In our original estimate ( attachment " LoanEstimate.pdf '' ), we have a line of Closing Costs of {$40000.00}, but with also credit lines ( " Seller Credits '' and " Adjustments and Other Credits '' ) for {$17000.00} + {$1300.00}. At the end, our cash to close is {$220000.00}, including the down payment. We were told it was a conservative estimate and we would pay probably less. 

But at the end, when we have signed with the notary, our cash to close was {$220000.00} ( attachment " ClosingStatement.pdf '' ). Without the {$200000.00} down payment, this final costs represents 14 % more than what was planned ( {$24000.00} vs {$21000.00} )! 

What I understand it that they have decreased what the " Closing Costs '' line, but in the same time, the credits lines have been changed into debits : in the latest Closing Disclosures ( attachment " ClosingDisclosures.pdf '' ), the " Seller Credits '' was {$0.00} and " Adjustments and Other Credits '' was {$1200.00} of debit ( compared to {$17000.00} + {$1300.00} of credits ). 

I have discovered the issue some days before signing with the notary, when they have sent the closing disclosures. I 've notified them and they said they would correct the documents, that there was a mistake and everything would be as in the original estimate for the day I should sign. But they did not want to send me anything before. 

Nothing was corrected the day we had to sign. Since we were 3 weeks late ( because they did another huge mistake during the approval, that they have acknowledged ), I was not able to postpone the signing or we would have lost the house. 

Afterwards, I have asked explanations, but they have started to provide confused explanations, with wrong numbers. Then my mortgage advisor has left the company. And now the " Managing Director '' has stopped answering me as soon as I have spot this issue with credits ( it 's been 11 days now I do n't have any answer from them ). 

I have everything on emails, I only attached the last thread ( attachment " last-email.pdf '' ). 

My point is they have probably made me paid some additional costs that they have tried to hide with these false credit lines. 

By the way : the tax property had also been estimated to 1.25 % in our monthly payments. Again they said it was a conservative estimate. But when signing, the notary told us it should be closer to 1.50 %! We will have to pay ~ $ XXXX/year in addition to the " conservative '' estimate. 

So I strongly suspect them to having misled us and made us pay hidden costs. 

Thank you
In XX/XX/XXXX I received a collection notice from NCC Business Services asking for payment for a debt related to XXXX XXXX {$9500.00}. Note that his debt was discharged in my Bankruptcy case on XX/XX/XXXX. I wrote NCC a letter XX/XX/XXXX informing them of this and including documents that proved the discharge of this debt and asking that they cease collection process. However, as of XX/XX/XXXX this debt appears to still be active and they have reported this debt to the Credit Bureaus. I've contacted XXXX in particular to dispute this and they have notified me that Creditor is claiming this is a valid debt. I called NCC on XX/XX/XXXX to confirm that they received the letter I sent them and they said that they received letter on XX/XX/XXXX. However, they said they reported this debt to the bureaus because they hadn't received paperwork prior to XX/XX/XXXX regarding bankruptcy.
An account was placed on my XXXX credit report without notice or verification the debt/account was mine. No phone call contact or written notices were received. Aargon Agency has an account number of XXXX. I have no knowledge of this account.
After the first term of my Home Equity Loan I reapplied to renew my HEL. On a recent statement I was charged a {$50.00} " Customer Service Fee ''. The last agreement did not have such a fee. As I recall these type of fees were referred to as 'junk fees '. In the not so distant past, such business practices necessitated acts ( intervention ) such as RESPA, a 'How to Behave ' instruction manual for financial institutions. 

Just because you slip it into an agreement does not make it 'reasonable and proper '. It is tantamount to being charged a parking fee every time you take your car in for service. This year, I will have paid close to {$1000.00} in interest for my Secured Loan so it is not as though Citibank is doing me a favor. 

On the topic of " Customer Service '', theirs leaves a lot to be desired. When I have called-once every year or two on  various questions, most of the customer service reps have such heavy accents that it takes a half hour to have a 5 minute conversation. Moreover, if you request to speak to a customer service rep, there is no way of knowing that you are not speaking to a CSR at the next desk. 

After providing them with every piece of personal datum to them, they will not provide a last name. If you request to speak to a ( English speaking ) manager with a direct dial phone number they tell you that the managers do not have a direct dial number (??! ). Since it is unlikely that a customer will ever be able to re-contact any one in customer service there is zero accountability ; hardly the policy of a firm 'committed to customer satisfaction '. 

Notwithstanding any legal double talk about my 15 page loan agreement, I am asking if this is 'reasonable and proper ' and if it was added in recent years to enhance revenue, I want it waived for the term of my HEL.
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Transunion is reporting a collection for XXXX. XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
XXXX-XXXX-2017 On multiple occasions I have submitted an investigation to the credit bureaus to remove from my excellent credit history these accounts that do not belong to me, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX which after research have not Been discharged from my credit history. 

These were also reported but were eliminated. 
XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX I have never lived in the United States and my credit history reports an address that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Variation of name, XXXX XXXX. I have filed a complaint with the Police Dept and in the Federal trade commission but still, the accounts that I mentioned before have not yet been verified and eliminated. This information has greatly affected excellent punctuation and I need you to help me with this distressing situation. I await your prompt reply.
I was discriminated against when applying for a Costco/ Citi Visa card because our flooded home was in a National Disaster area, and thus my normal credit card expenses were raised due to living in a hotel for 11 weeks ; buying new appliances ; buying new carpets and kitchen flooring ; purchasing new furniture - and yet every monthly credit card billing was paid in full before the due date. Never a late payment. 
Costco decided to change from XXXX XXXX to Visa for their credit card. Not having a Visa, and being a long term Costco member I applied for a Citi Visa card. 
I was denied the Costco/ Citi Visa credit card even though I have no loans of any type, no mortgage, and no debts of any type. 
My complete financial history has never had a late payment on a credit card or loan. 
My FICO score is near or above XXXX with all XXXX agencies. 
Yet I was denied the Costco/ Citi Visa credit card. Supposedly because I used my ( unlimited amount ) XXXX card to pay for the 11 weeks of hotel plus other needed expenses, and yet paid every bill on time.
I was Hit from behind by another car and my car was totaled. I just bought the car so I owed over XXXX dollars. His insurance paid it off but I tried to buy another one and my credit dropped 100 points. My interest rate went way up. I was wondering if you could tell me why?
XXXX exhausted ALL the funds and money from my student loans and finally administratively withdrew me from the XXXX program offering me the option to re-enroll in a XXXX program. 
With research investigation since XX/XX/2012, I learned that they as a for-profit entity, practiced unlawfully without trained staff, professors, and mentors in the XXXX field. This explains their inability to accurately mentor, responsibly process research reviews, and instead constantly had me retake unnecessary courses until all my funds were exhausted and now I am left without a degree and a XXXX student loans.
All transaction from XX/XX/XXXX to XX/XX/XXXX were unauthorized, except for a TELLER withdrawal, {$920.00} XX/XX/XXXX, a TELLER deposit, {$570.00} XX/XX/XXXX, a XXXX Payment, {$190.00} XX/XX/XXXX,  and a XXXX payment, {$30.00} XX/XX/XXXX. I have lost my wallet at either XXXX or XXXX. I`ve filed a dispute twice. The last time with a police report. There was a XXXX transfer that I was refunded for that caused my account to go into overdraft. PNC closed my account. I was told that my disputes were denied because they say that I gave my PIN number out. Why in the XXXX would I give someone my PIN number? I have taken days off of work to try to get this resolved. Over {$2000.00} in charges and nobody can help me. I was told that I would receive a call back by Monday and nothing. I have left multiple messages with the XXXX and I received no call back. Now since my account is closed I can't open a new dispute. This is XXXX! A customer service representative that actually tried to help me out of more then 20 people was going to resubmit the claim, but first wanted to find out what additional information that I could provide to get my claim approved and no one knows. After some research this is not a valid reason and I was told to contact a federal agency. Can someone please help me?