WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, and XX/XX/XXXX, I have been disputing the inaccuracy of this XXXX XXXX account, and requested proof that this account even belongs to me, such as the original contract with my signature, but the CRA 's have failed to do so and failed to do so within the 30 day period. They are continuing to report XXXX XXXX XXXX, account # XXXX when theres obviously no proof that it even belongs to me. m not saying this is identity theft, but what I am saying is that the CRA 's are required to report all accounts accurately and completely and I know for a fact they didnt verify this account! Wheres the contract with my signature? How can they possibly say that the creditor has verified this account. I have also disputed this information directly with the collections agency and they sent me back a letter stating that a copy of transaction with my name on it verifies that this account belongs to me. Where is the application or contract with my signature? They continuously refuse to provide that information that can assist in accuracy of reporting. Obviously, they do not have verifiable proof that this account belongs to me. I have repeatedly asked to see all documents that were filled out when this account was opened, including an application or contract or this account needs to be removed. Additionally, I asked the CRA 's that they are required by law under section 609 protects me against false reporting and I should point out here that thats exactly what this is!
XXXX XXXX XXXX are reporting two collection accounts on my credit report one opened XX/XX/XXXX for the amount of {$54.00} and the second one opened XX/XX/XXXX for the amount of {$83.00}. I checked the Secretary of State website to see if this debt collector has a local general business license to operate in California as stated by the law and this company is not locateable as a Corporation or a LLC/LP.
The information submitted by XXXX XXXX and XXXX Bank as shown from captures of my credit report are incorrect. They incorrectly reported a delinquencies on my XXXX credit bureau reports. I have submitted my dispute with XXXX and TansUnion and am looking for an urgent timely response. The payment for the credit card was made on time, any delay and lack of accurate report is caused by XXXX XXXX. They asked that I get this resolved by contacting the credit reporting bureaus directly. XXXX Bank is unable to verify the delinquency. 

Please refer to the captures uploaded as images for information.
Mid Island Mortgage mistakenly submitted my loan for a short sale. This was not initiated by me and did not have my approval/consent. In this process they ran my credit and, to add insult to injury, charged me for the credit report. The only reason I found out about this was because I received a letter stating they needed more detailed information for my loss mitigation application, which I never submitted. In addition, I received a call from an appraiser requesting to make an appointment to come look at the property. When I called Mid Island to inquire about the situation, I was told if the letter did n't apply to me, then to disregard it. I was told this several times as I demanded more information about how this mistake happened. I finally was transferred to the loss mitigation department and had someone verify that they attached someone else 's short sale application to my loan. I was not informed that a credit report had been pulled until the charge appeared on my monthly statement. I take my credit very seriously and am taking steps to build my credit score. I understand that when a credit report is pulled, my credit score takes a hit. This is irrevocable damage and can only be cured with time.
Against XXXX / HomeBridge Financial Service My mortgage payment is setup the way I have to pay the monthly bill and the mortgage company pays the insurances and XXXX taxes out of my escrow account. The monthly payment is basically a combination of the principal, interest and escrow payments. 

I had been paying all bills on time and somehow the XXXX said that the XXXX tax was not paid ( {$3300.00} ) and XXXX claimed it was paid. This went on until the XXXX put a lien on my house and finally XXXX made a payment again out of my escrow in XXXX. I know the XXXX tax was taken out of my escrow account in XXXX and I have documents to show that. A second XXXX in XXXX ( {$3900.00} : initial amount + late fee and interest ) was refer on my monthly as Utility bill. That payment also turned my escrow balance to a negative as a result they increase the escrow payment with my monthly payment going from {$1300.00} to {$1600.00}. When I first called about this, no one at XXXX knew what that utility was. I called multiple times the XXXX tax office to confirm it 's not other than XXXX tax. My mortgage management was transferred to HomeBridge Financial Service and since XXXX XXXX, I 've been trying to make these people understand that I ca n't pay twice the yearly XXXX tax and they do n't even attempt to listen my side. Lately, HomeBridge Financial Service started to return my monthly payment since I kept sending them what was my monthly payment before XXXX XXXX ( {$1300.00} ). Now, they threatening to drive my mortgage to foreclosure. All I want is for them to answer the following simple questions : Was the XXXX tax paid out of my escrow? If the XXXX did not recognize the payment of XXXX tax, is n't that a problem between the XXXX and XXXX / HomeBridge? Why do I have to pay twice the tax for XXXX? 

Thank you,
I received a copy of my credit report and I notice I have an account that's too old and I want that account to be remove from my credit report. Please remove XXXX XX/XX/2006 ( 12 years ) from my credit report.
I cancelled this before 30 days - they failed to deliver and I paid XXXX for a month of this account. I told them and they cancelled this service.
In XX/XX/2017 I applied for a mortgage with Quicken Loans. Our landlord lost our home in foreclosure so we are scrambling to stay here. I explained this to the loan officer. and that my mother is a XXXX veteran with XXXX  and moving is the last thing we need right now. I completed the document request and received my pre approval letter, continued the process only to be told after almost 4 mos that I need a cosigner. I offered a cosigner from the start but was told FHA does not accept non resident cosigners. The reason I was given for the new requirement was that my credit dropped from XXXX to XXXX. They had run my credit for times in that period and charged me each time. This was the only changes in my credit. I was flooded with lock the rate emails and I told XXXX XXXX to lock it each time but he never locked it. After being preapproved and submitting all requested documents, knowing my income to debt ratio and credit score both qualify me yet I still have no loan for my house..??? I'm frustrated. My rate went up 4 times and my closing costs went up as well..XXXX score was XXXX, XXXX hourly job in my field of study. No Loan!! I am requesting all credit report fees be refunded as well as them removing all hard inquiries from my report. XXXX said no can do. I can understand running it once, getting to closing day then running it again but not four times in a 90 day period.
I have direct deposit with Bluebird Amex prepaid card. On XXXX XXXX I tried to pay my XXXX XXXX cell bill. Because I had not used the card for some time, I could n't recall the zip code I had on file with Amex. So the XXXX transaction, the rep of XXXX, processed declined due to me giving the wrong zip code. I guessed 5x's.They all declined, then I finally gave the accurate zip. And it was approved. Now why would Amex hold XXXX {$71.00} declined transaction. This is my paycheck, {$350.00} of my money has a hold. I am so perplexed about them holding funds for declined transactions. I ca n't get any cash of my paycheck. This is not credit. I need my funds to get released asap.I have XXXX and it should be XXXX approximately. Please help. They said I have to wait 7 days even declined transactions. I spoke with XXXX they stated they have to give the merchant time to collect on declined transactions. I need my money to pay bills. Please help get my funds off of hold status.
I opened a custodial account at Chase in 2010. The account is for the benefit of my adult son who receives Veterans Administration and Social Security Benefits payments. My son is a XXXX of the United State XXXX XXXX. I am by written agreement the VA Federal XXXX and I am the XXXX Representative Payee. I have had use of the Debit card associated with the custodial account since the account opened. THE PROBLEM IS THAT : Chase terminated the debit card, effectively restricting access to the beneficiaries funds. I can not pay his cell phone online. His gym membership, which is paid through the debit card will not be paid. I now only have access to pay his bills by paper check, money order, cashiers check, ACH or cash. I can not use cash as the paper trail is lost. In today 's world checks are not adequate to pay online transactions or accepted at many institutions. Therefore many areas of commerce are not available for me to utilize to provide for my son 's financial needs. I have approached Chase up through their Executive Office and I have been denied the debit card. Again this is the debit card that I have been using for four years. I am the authorized user of this custodial account, my son has no access to the custodial account. I transact the financial business for my son. Chase holds his funds and by denying the debit card Chase is denying access to my son 's funds that are necessary to take care of his financial needs.
I TRIED TO FIX THIS PROBLEM THAT MY SON HAS THE SAME NAME AND ADDRESS THAT I HAVE HIS STUDENT LOANS ARE REPORTING ON MY CREDIT FILES. MY SON IS NO LONGER HERE HE XXXX XXXX. I ALSO HAVE FRAUDULENT ACCOUNTS SHOWING ON MY REPORTS.
In XXXX of XXXX my loans were transferred to XXXX XXXX XXXX ( PHEAA ) from XXXX as I had completed employment verification forms that would qualify me for Public Service Loan Forgiveness. I have had my loans in consolidation since XXXX and have been paying regular monthly payments on an income based plan. 

Since being transferred to PHEAA, they have not calculated correctly for how many monthly payments I have made and currently state I have made 23 qualifying payments. By my calculations, I should have 100+ qualifying payments. I have contacted them many times since XXXX and was first told that it would take 30 days to go through old records and review my previous payments with other lenders while I was on income based repayment plans. I was then told it would take 90 days. I was then told it would take 90 business days. I was then told it would take 6 months. It has now been 8 months and they have still not calculated the payments. I requested records of all the payments I have made for my personal records. They stated they did not have those records. I called XXXX and XXXX XXXX, my previous servicing entities, and was informed they do not have the records and they were all forwarded to PHEAA. I have requested my case be escalated to a supervisor and I made a complaint with the obudsman, with no response. 

Multiple times when interacting with XXXX  XXXX XXXXPHEAA I have had customer service representatives give me differing information, refuse to answer my questions, refuse to transfer me to a supervisor, and hang up on me.
I had a HELOC with Popular Bank. The bank sent me a letter explaining that I could no longer draw from the account and the balance must be paid within a given time period. I paid off the account, leaving a balance of {$0.00}. I did this years before the determined end date. Popular Bank recently started sending account maintenance bills. I called the bank and explained that the account is paid in full and no additional monies could be borrowed. Therefore, Popular Bank was providing NO SERVICE to me. I asked that the account be closed. The account should have automatically closed under the conditions that the balance was paid in full AND no additional transactions could take place. Earlier this week I got notice from XXXX  that my credit has taken a near 100 point hit due to delinquency! I owe Popular Bank NOTHING. I paid them in full more than a year ago. Their practice is predatory. My near perfect credit rating in now ruined. My desire is that you will investigate the matter and fine the bank accordingly.
HELP REQUEST FOR MODIFICATION OF MY BANK LOAN AND SEND ALL DOCUMENTS NEEDED IN DATE XXXX/XXXX/2015, I CALLED the bank and was informed that THEY RECEIVED ALL DOCUMENT, BUT THEY PUT SALE DATE TO MY HOUSE FOR XXXX / 2015I CALLED TO REQUEST INFORMATION AND CONFIRMED MY CASE IF YOU NEED ANY DOCUMENT, THEY SAID EVERYTHING WAS FINE. They DID N'T CALL ME AND DO NOT WANT TO SUSPEND THE DATE OF SALE. 
ALL MY CALLS are registered in the bank 's system, please help. I DO N'T lose my house. 
THEY DO N'T LIKE HELP ME.
i previously filed a complaint with cfpb ( XXXX ) and the company said that it will be removed and closed on XX/XX/2017. the account is still reporting on my credit when it was told to me by the company it would be removed. this is reflecting my credit in a negative light and hurting my true credibility to borrow and pay back.
We opened this account because it was not suppose to have overdraft option after having another account. If an item tried to post and the funds were low, PNC was suppose to reject the payment. However, over the years, they have apparently changed our account and now we are being charge overdraft fees AND some " continuous overdraft fee ''. We have spoken to PNC many times regarding this issue to no avail. We NEVER agreed to these charges and was told they would not happen. That has not been the case since having the account. We would like to see PNC refund or delete all charges.
I have Parents Plus loans that we 're taken out between XXXX. Loans were at 8 % and 8.25 %. Started repayment in XX/XX/XXXX. Went into Chapter XXXX bankruptcy in XX/XX/XXXX. Servicer, Great Lakes, put loans into forbearance. In 2 years accumulated interest became an extra {$20000.00}. I was not aware that this would happen and was not told by the servicer. I now owe a total of {$160000.00}. Some money is being paid through Chapter XXXX but it only goes to interest and is not enough so the interest keeps accumulating. I would like to refinance the loan at a lower rate but ca n't because Congress has to change the rules. I am almost XXXX years old. This loan will never be paid off. Is there a way to stop the accumulated interest at such a high rate. Is there a way to forgive that extra interest? I feel trapped. This feels like a mafia shakedown. I ca n't even discharge this in bankruptcy. Even after Chapter XXXX payment will be way to high. If I apply for Social Security, they will garnish that. Please try to do something about this. Thanks.
They have refused to remove my PMI. Based on the tax assessed value and my current principal balance my LTV is 73 %. Tax assessed value is commonly known to be XXXX25 % less than the market rate of the home ( depending on market ). I find it fraudulent to continue to be required to pay this PMI along with being asked to pay for an appraisal with no guarantee the appraiser will provide and accurate value in my interest and not the lender 's.
I called in to Equifax on XXXX XXXX, XXXX to notify them of inaccurate inquiries that were on my report. These inquiries did not afford me appropriate notification of being placed on my consumer report as were affected many consumers during a credit bureau glitch of most inquiry reported prior to XXXX XXXX. Upon reviewing my records with the association, I have made note of the following inquiries reported on my consumer account incorrectly : 1. XXXX XXXX XXXX XXXX | REQUESTED ON : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 2. XXXX | REQUESTED ON : XXXX/XXXX/XXXX 3. XXXX | REQUESTED ON : XXXX/XXXX/XXXX 4. XXXX | REQUESTED ON : XXXX/XXXX/XXXX 5. XXXX | REQUESTED ON XXXX/XXXX/XXXX 6. XXXX XXXX | REQUESTED ON : XXXX/XXXX/XXXX I have called the company with customer service representative response stating that the inquiries would not be removed because they would fall off this year ( XXXX ). The incorrect inquiries have not been removed at this time. This is incorrect practice and I would like my consumer rights observed and protected.
OnXX/XX/XXXX the Navy Federal Credit Union made an unauthorized withdrawal by check from my savings account in the amount of {$4600.00}. I first noticed that this transaction ( which I had not authorized ) had taken place on XX/XX/XXXX When I questioned the credit union by telephone I was told that the money had been sent to my ex-wife at her request. I have never authorized my ex-wife to withdraw money from my savings account.
Bayview Loan Servicing purchased the servicing on my home equity loan. During an attempt to refinance my XXXX mortgage Bayview reviewed my loan file and sent mailed correspondence saying I owed them {$220.00} for XXXX related to the XXXX. I had my mortgage lender contact Bayview to ask what this fee was. The gentleman on the phone originally said it was for attorney fees. After my mortgage lender questioned him he said it was probably assessed because my homeowners insurance had lapsed. My mortgage lender asked when the homeowners insurance had lapsed so he could send proof that there was insurance in place and that " Force Placed '' insurance was not necessary. Bayview said they would send me written correspondence showing me proof. Instead they sent a letter ( almost idententical to the first XXXX ) saying that " After a review of my loan file I owe {$220.00} in XXXX XXXX XXXX. '' They also included another copy of the first letter. Bayview has never come up with a good explanation of what this fee is for or any proof that I owe it. My Account number with Bayview is XXXX.
MY HOME MORTGAGE BANK SOLICITED ME FOR A REFINANCE ON MY HOME. THEY OFFERED A 3 % LOAN IN A REFINANCE PACKAGE. WE SUBMITTED ALL THE INFO THEY REQUESTED TO REFINANCE AT THE COST OF SPECIAL MAILINGS AND TIME, THEN WE WERE NOTIFIED THAT THE UNDERWRITER DENIED OUR LOAN. THIS WOULD SEEM A NORMAL REJECTION HOWEVER, OUR CREDIT IS EXCELLENT, AND OUR INCOME IS IN THE {$200000.00} RANGE WITH NO OUTSTANDING DEBTS AND OUR HOME WOULD BE REFINANCED AT 30 % OF VALUE. I THINK THE BANK ( BANK OF AMERICA ) REALIZED THEY WOULD BE REFINANCING A LOAN THEY HAVE AT 4.87 % TO A 3 % WOULD BE A LOSS TO THEM. WE WANTED TO EXCHANGE A 14 YEAR LOAN TO A LOAN WITH A 10 YEAR PAYBACK WITH THE NEW INTEREST RATE THEY OFFERED ... I DO N'T THINK WE WERE TREATED FAIRLY OR HONESTLY ... SINCERELY, XXXX XXXX XXXX
I placed an order on Walmart.com on XX/XX/2015 for XXXX coats for a total of {$69.00}. Neither item fit so I requested a return for both items. They supplied me with a return label on XX/XX/XXXX. I returned both items in the same package on XX/XX/XXXX. I received an acknowledgement that the return was received on XX/XX/2015 but I noticed they only refunded XXXX item. I called the next morning to follow up and was assured they would process the rest of the order shortly. I followed up on XX/XX/XXXX as the other item had not been processed yet. I was assured that I should wait as they are busy. I waited again, until today XXXX/XXXX/2015. I have called them 4 times, have been disconnected each time after waits of up to 455 minutes and can not receive any assistance. They need to audit their returns and I need to be refunded!!!!
I have a debt from XXXX XXXX XXXX on my Credit Report that is showing up on all XXXX major Bureaus. The collection agency is Receivable Management. XXXX XXXX XXXX, XXXX PA XXXX. Their phone number is XXXX. The account # it 's listed under is # XXXX. The total is listed at {$330.00} dollars. I have called XXXX several times now, and they have informed me this debt is nowhere in their system, that it is non existent. I called the credit agency and informed them I would be filing a compliant with you guys, they said go ahead and do so. I 'm trying to buy a house and this bogus collection is costing me thousands of dollars. I 'm requesting it be removed from all XXXX major credit bureaus. Thank you.
I am a XXXX completing my application for XXXX debt forgiveness. The loans in question are through XXXX XXXX.

XX/XX/XXXX- I received an email confirmation that XXXX had received my XXXX loan forgiveness application. In the email, it says I " should allow up to 10 business days for us to conduct our review '' and that " if we determine that your application is not materially complete, we will send you a letter that specifically advises you of the information/documentation we need to reconsider your application ''.

XX/XX/XXXX- I called to see how processing was going. I was told that my application was done correctly and it was sent to the federal government. I was told to check back in about 90 days.

XX/XX/XXXX- I called to see how the processing was going. I was told that my paperwork was n't done correctly and had n't been sent to the federal government. I completed the paperwork and resubmitted it this same day.

XX/XX/XXXX- I received a notification that my application was sent to the federal government.

I am filing a complaint for three issues on XXXX 's part. 1 ) XXXX  said in writing that I should allow for up to 10 business days to conduct our review. XX/XX/XXXX to XX/XX/XXXX is 93 days. XX/XX/XXXX to XX/XX/XXXX is 92 days. 2 ) I never received " a letter advising me of the information/documentation we need to reconsider your application ''. I was told via phone that this did n't happen because it took so long to process my application. 3 ) On XX/XX/XXXX, I was told via phone that my application was completed correctly and sent to the federal government. This was incorrect. I waited nearly 3 months to check back in because of this.

I understand that I filled out the paperwork incorrectly. This was my fault. It still does not excuse that it took nearly 185 days ( 128 business days ) to process my paperwork. If I allow 10 business days for them to process it, it should have only taken 20 business days. It also does n't excuse them from not mailing me a letter notifying me of how to fix my application once they saw it was done incorrectly. I also was incorrectly told that my application was completed correctly and sent off to the federal government. I only discovered that my application was n't done correctly after taking the initiative to call and check how my application was progressing.

I have filed a complaint. The complaint was denied and I was told I was responsible for all interest accrued. They will be mailing me a letter explaining why the made this decision. I also asked to obtain all of my account notes and a record of my phone communications with them. I was told it would require a subpoena.