WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX had problem at end of year with this mortgage company regarding paying Taxes on time. 
XXXX problems again ; received letter dated XX/XX/XXXX from them stating we had an escrow shortage of {$570.00} to be paid before XX/XX/XXXX if not monthly payment would increase to {$990.00}. If shortage was paid the new monthly payment would increase to {$950.00}. We sent a {$600.00} ( XXXX extra ) payment to cover escrow shortage and received by company on XX/XX/XXXX. 
XXXX {$950.00} bank payment adjustment was not done by us so our bank sent the regular {$920.00} payment on XX/XX/XXXX. On XX/XX/XXXX we contacted mortgage co. to inquire about our missing statement and were informed reason was due to failure to pay mortgage in XXXX. We told them payment was done but we were told we were short {$26.00} on that payment and {$35.00} late fees ( total XXXX ). Contacted our bank and wired {$100.00} payment ( {$38.00} over ) they collected on XX/XX/XXXX. They also cashed our check # XXXX on XX/XX/XXXX adding an extra of {$900.00} to principal and {$300.00} to escrow. 
On XX/XX/XXXX they received the disputed new payment of {$990.00} for XXXX while waiting for clarifications. The XX/XX/XXXX statement charge us again {$990.00} and {$9.00} late fees. Now they say our new payment is will be {$950.00} starting XX/XX/XXXX. 
They sent us a check for {$97.00} supposedly of escrow excess ( not cashed in ), we paid {$600.00} plus {$300.00} ( total {$900.00} ). According to their XX/XX/XXXX escrow review the shortage was {$570.00} ( we paid {$320.00} extra to escrow ). The new monthly payment with shortage payment stated on their letter to us would be {$950.00} not {$990.00}. Why the difference of {$47.00} a month for XXXX months ( total {$140.00} ). 
XXXX dated XX/XX/XXXX from them to XXXX states our payment will go to {$950.00} on XX/XX/XXXX based on a payment of {$990.00} on XX/XX/XXXX. We paid {$600.00} to cover the escrow shortage so, what happened to the {$950.00} payment? 
XX/XX/XXXX payment made to them : {$920.00} plus {$100.00} total {$1000.00}. If the new payment was {$950.00} and late fees {$35.00} we over paid, I guess they are charging us the late fees to {$990.00}. They are not in compliance with their own estimate XX/XX/XXXX payment, again according to their projection new payment after shortage was paid would be {$950.00} but we were charged {$990.00} we paid and received by them XX/XX/XXXX. 
XX/XX/XXXX payment was charged {$990.00} plus {$9.00} late fees. 
We already contacted them by phone and disputed the {$990.00} payment instead of the {$950.00}. We also sent a certified letter disputing escrow account and the new {$990.00} monthly payment instead of their initial {$950.00} if shortage was paid, they acknowledge receiving it XX/XX/XXXX. 
If they can not manage properly the escrow account we have no problem paying our taxes and insurance on time but first we want them to follow their own estimates a give us the proper credit ( {$900.00} paid to escrow account ) and adjust the monthly payment. We are not planning to cash the check they sent us for {$97.00}.
On or about XXXX XXXX, 2017 I called Quicken Loans in response to an advertisement for HARP refinancing. The loan agent, XXXX XXXX, looked up my eligibility for HARP refinancing and was unable to locate my loan on either FHA loan sites. He tried to convince me to refinance, but I am self-employed an have less than a year of income history so know I would be unable to get approved for a loan. XXXX requested the ability to do a soft inquiry of my credit to see if there was something he could do. I was extremely reluctant, knowing that a ) I was n't going to qualify because of my self-employed status and b ) I did not want negative impact on my credit report. He assured me it would have no impact on my report. 

On or about XXXX XXXX, I received a complete loan application from quicken loans via US Mail. I was shocked, since I was 100 % clear that I had no intention of applying for a loan. I disposed of the application appropriately. I received several phone calls from Quicken that day and made it clear that I never had any intention of proceeding with a loan, asked them to stop contacting me. 

On XXXX XXXX, I received email from Quicken advising me that they are unable to go forward with the loan " because of adverse credit '', and promoting their credit counseling services. After looking up my credit reporting information, I discovered that they did a hard inquiry without my permission on XXXX XXXX. 

I am requesting that : A. The hard credit inquiry initiated by Quicken Loans on XXXX XXXX was done without my permission and I want it removed from all credit reporting agencies records. 
B. I want to be assured that a credit rejection does not appear in my records because I never gave Quicken Loans my approval to proceed with a mortgage refinancing process. 

Thank You, XXXX XXXX
I submitted the correct amount that was left on the loan to pay it off, and noticed while the payment was being processed they increased the amount owed, therefore keeping the loan active.
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX, XXXX XXXX
Several aspects to report : 1. I asked Equifax for my annual credit report through annual credit report website. Sent copies of my social and lease along. Got a letter from Equifax later, asking my copies again, and MY NAME WAS SPELLED WRONG on the letter. 

2. I sent the copies to Equifax again. Waited for more than two weeks. NO RESPONSE. 

3. I called Equifax, reporting the fact that I have n't received my annual report, and I found the wrong information regarding my name and a collection. XXXX, the agent, told me that their system was down and asked me to call back at XXXX. She promised they 'll be available until XXXX. I called at XXXX, only found out the operation time is XXXX to XXXX. Obviously, SHE LIED. 

I had the most horrible experience with Equifax. I ca n't believe they have the access to my personal and financial information. I hope there 's a way that I could stop dealing with this unprofessional and unethical company.
Capitol One reporting outdated information to my credit report. For easy reference, I 've enclosed a copy of the credit report that XXXX Provided to me. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. XXXX ] " XXXX Delinquent date is as XXXX XXXX XXXX, reporting periods only run 7 years. In my case, the information in question expired as of XXXX/XXXX/XXXX. 
As of XXXX/XXXX/XXXX capitol one frequently and illegally reporting and violating FCRA.
XXXX XXXX XXXX XXXX is listed as a separate account with a balance due for a charged off account that is still reporting beyond XXXX years. The last activity on the original XXXX account predates XX/XX/2009 and it has been charged off and taxed as income. The account balance on the original is XXXX and this attempt to duplicate it after charge off is unscrupulous.
I sent {$670.00} plus a {$33.00} fee with western union on XX/XX/XXXX. The money should have been available on XX/XX/XXXX but when the receiver went to pick it up he was told it was on hold. Then I suddenly got an email saying it was picked up, but it was never picked up. Ive contacted them multiple times just to be told the money was picked up. I think an employee stole the money.
I have a XXXX XXXX credit card account that was charged off on or round XXXX 2010. XXXX XXXX has been reporting to all the credit reporting agency every month with a increased amounts every month. Since XXXX XXXX has stopped sending me monthly statements after the charge off date. I have no idea what these monthly charges that are being reported to the credit reporting agencies. I am assuming these are interest charges but without some sort of monthly statements how I am supposed to know if these amounts are correct. My point is that XXXX XXXX should be sending me monthly statements per the " Truth in Lendind Act '' if they intend on occurring interest on this old account every month. If they are unwilling to send me monthly statements this account should be deleted from my credit report for none compliance with federal laws.
I recently purchased a vehicle from a dealership in XXXX, KY. Even though I had financing approved through my credit union, the dealer talked me into going with a Capital One auto loan at a slightly lower interest rate. I asked the dealer if I would be able to make payments ahead of schedule and have them count toward future payments. I have always paid ahead on previous auto loans. Part of my income is on a commission basis and I want to be able to be a few months ahead on my payments as insurance against a slow month that could be caused by illness, or a lack of work. I was assured I would be able to do this with this loan. I received a welcome call from a Capital One representative and I was again assured by the Capital One rep that I would be able to pay a few months ahead on the loan. When the loan was set up and I attempted to make an extra payment I found additional payments only went toward the principal and would not count toward my future monthly payments. I protested this fact to Capital One and I received a phone call from a person in their corporate office telling me I could call them when I made a payment and they would credit it toward my next month 's payment. I attempted to do this, but the online site will not let me make a payment until my previous due date has passed. To me this is deceptive and gives me a course for failure. First of all, not being able to make a payment ahead increases the amount of interest they can collect from me. Putting additional payments only toward the principal and not toward future payments due is a course to failure. I could be the equivalent of several months ahead in payments, but if I am unable to make a full payment within a 30 day period, I could face possible repossession of the vehicle even though I am way ahead in my payments. I feel this practice is deceptive. It does not give me the option of paying months ahead on my loan and it seems like a purposeful ploy to get an extra chance to reposes the vehicle, even though payments are ahead of schedule ... Especially after I was verbally assured twice in the loan process I would be able to get ahead on my payments. 
XXXX XXXX
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind. 

XXXX XXXX XXXX : Fraud! 
This account was open and used in florida at the time I was living and working in XXXX, Georgia Ability Recovery Service : Not mine! 
This is not mine and it shows up twice on my credit report
My mortgage company, XXXX XXXX, won my home at auction with XXXX on XXXX XXXX, 2017 that XXXX XXXX XXXX listed on behalf of XXXX XXXX XXXX XXXX XXXX. All Documentation was completed and returned to XXXX XXXX XXXX XXXX as requested completed and signed on XXXX XXXX, 2017 at XXXX XXXX PDT. The Affiliated Business Arrangement Disclosure Statement was signed by the listing broker, XXXX XXXX XXXX XXXX signed on XXXX XXXX, 2017 at XXXX XXXX PDT and the seller XXXX XXXX XXXX, XXXX Regional Sales Manager signed it on XXXX XXXX, 2017 at XXXX XXXX PDT. I believed everything was completed in accordance to the law, how ever I was notified on XXXX XXXX, 2017 that listing broker, XXXX XXXX XXXX XXXX agent for my mortgage companys other transactions wanted to interpret the contractual law herself and is now hindering my lawful access to my residence while the keys were already given to me. I feel that I am being discriminated against because my ethnicity and is and will try anything to hinder my lawful dwelling in my new residence. They are violating florida statute XXXX and all applicable florida real estate laws that are part of title 33 chapter 494 of the florida statutes. You can feel free to contact XXXX XXXX He was the person managing the purchase. They are also committing securities fraud seeing how they are hindering funds that have been assigned to a fund that is part of a mutual fund. Please help resolve this matter.
I was in tbe hospital in XXXX was very sick for 4 months. D Still recovering. So gave car back since i lost my home. And income whilr severly sick.i only missed 2 payments the can resell the the.id like my credit fixed.
According to the new guidelines, if a tax lien does not have your social security and date of birth, it should be removed from your report. TRANSUNION refuses to remove the lien on my report which only has my name and address. i just applied for a home equity loan to pay my daughter 's school, application was declined because of the lien. 
Same lien was removed by XXXX and XXXX. 

Note that i am currently paying federal taxes through an arrangement.
On XXXX XXXX, XXXX I have mailed all XXXX Credit Bereau ( XXXX, Transunion and XXXX ) concerning the hard inquiry that is showing on my credit report that I pulled for review in XXXX XXXX, XXXX. All XXXX CB 's were notified that I have no business with the said inquiries and considered to be fraudulent activities. The response I received from the CBs were copies of my my credit report and I was told to contact the creditors instead. On XXXX XXXX, XXXX I mailed all request to remove hard inquiry to the following creditors 1. XXXX inquiry date XXXX XXXX XXXX 2. XXXX inquiry date XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX 3. XXXX inquiry date XXXX XXXX, XXXX 4. XXXX XXXX inquiry date XXXX XXXX, XXXX XXXX 5. Total XXXX XXXX XXXX, XXXX 6. XXXX inquiry date XXXX XXXX, XXXX 7. XXXX inquiry date XXXX XXXX, XXXX 8. XXXX Bank Inquiry date XXXX XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX inquiry XXXX XXXX, XXXX i have requested from all the creditors thru the letter I mailed via certified mail that I did not authorized any of those inquiries and view my credit report that upon doing so they have violated the FCRA section 1681b ( c ). I also requested all creditors to send me a proof of my authorization to inquire into my credit report. THey replied with no proof of authorization and merely states that it 's valid and factual. 

I am asking your good office to help me resolve this matter. Please let me know if you need any further documentations that can or will help you investigate this issues. 

Respectfully yours, XXXX XXXX XXXX
I received a call from "XXXX they asked me to call back. I called back the number on my card and they told me I was qualified to get my rate reduced to 6.4% . Because I was never late.  I would see that on my next statement.  I received my statment contacted, Chase and they have no record of that transaction they did pull a credit check XX/XX/XXXX they told me, but said I had the lowest rate I could have. I did not give my ss number to anyone but they did have my card number when they called and had me call back as I DID NOT trust them and still I am now concerned who this was.
Associated Mortgage Bankers opened a mortgage loan for me, however, the interest rate they charged my husband and I is XXXX %. After speaking with a refinancing company the representative told me that the interest rate is way too high. 

I feel as though the interest rate is discriminatory. I did n't realize that Associated Mortgage Bankers even charged my husband and I XXXX % on the Truth in Lending Disclosure.
The creditor stated there would be no further contact as stated from Case XXXX ; however, I received an email stating they tried taking money out of my account again. I have blocked the company from making charges but I 'm furious they are still wanting to take money out of my account. 
My bank is XXXX in XXXX, IA.
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX  and XXXX XXXX
I have an issue with how Transunion determines my score and what information they show on the report I purchase. I pay for a monthly service and check my score to make sure it is trending positivly. I have called Transunion on two different occassions because it states on my report I have XXXX deliquinant account. But no one can tell me what that is and the report reflects all accounts as current and have been so. When I try to determine why there is such a large swing in my score, from XXXX to XXXX and the only thing that has changed is they updated an address for me. And one that had changed over 6 months ago but they are just now getting around to updating it. The address change they show for XXXX XXXX was my address for the past two years prior to XXXX XXXX. How they report information directly impacts me. Yes, I had issues relating to a seperation in XXXX but I have worked very hard to repair those items. XXXX, XXXX, and XXXX I have paid accounts off, balances down, all positive steps. However, I do not understand why them lagging in reporting accurate information impacts me so negatively. Just because they report an address change within two months, does not mean I moved twice in two months. If credit reports are going to be considered for potential job opportunities, insurance, and credit worthiness, there must be accountability for those who are tasked with those determinations. It should not be so hard to try to correct issues with their reporting when a person does not have control over how they obtain the information or when.
I recently set up a new checking account with Citi as part of a promotion to earn additional frequent flyer miles ( I already had a credit card ). As part of that process, I set up an " external account '' so I could transfer money between my new account and an existing account with my credit union -- this was to be the source of my initial deposit. I mistakenly thought I had to verify the accounts both ways ( I 'm still not sure whether this was true or not ) -- that is, to have each institution verify the other, which they do by making small debits/credits to the account, and then I 'm expected to verify the amounts. As part of this process, I mistakenly overdrafted my Citi account since it did n't currently have any funds in it -- which is why I was trying to set up this external account in the first place! I was charged {$68.00}, which seems excessive for an overdraft that was less than {$1.00}. I complained via Citi 's chat help, and after first telling me that it was a valid charge, they offered to refund it as a " one time courtesy. '' However, they only refunded {$34.00}. When I chatted a second time the next day, they said that they had only offered to refund " XXXX '' of the overdraft fees -- apparently there were XXXX for {$34.00}. On closer look on my account activity, there were XXXX places that said " overdrawn '' -- however XXXX was a credit ( not a debit ), so that did n't make sense! -- and still only XXXX line that said Overdraft Fee - {$68.00}. They eventually refunded the remaining {$34.00}. However, I believe Citi should be censured for these policies which are clearly predatory and trying to extract money out of customers who do n't have the time or energy to fight them on this. They use misleading language and reporting ( including apparently putting XXXX separate fees as XXXX line item ) and at no point in their help process did anyone offer me an explanation as to why these things are reported this way. I also do n't think that overdraft fees should apply in cases like this, which are clearly part of the initial setup of an account. And customers should n't have to spend several minutes arguing to get back money that was essentially stolen from them. I informed Citi that I would be closing my account as soon as I receive the promotional mileage ; I do n't understand why anyone would trust a bank with such shady and unfair business practices with their hard-earned money.
I have two personal loans on my credit report from Navient. I have no idea what these are or the amounts. The loans have no account numbers on the report and Navient is no help. the loans are for {$18000.00} and {$27000.00}.
Build credit off of credit karma website even if you sit the qualifications your denied and it's on your credit report they claim pre qualify buts it's not
For the past six plus years I have request Bank of America to either remove account for the adverse accounts/account that maybe considered negative. All to no avail. 
BANK OF AMERICA continues to report account as an adverse account or an account that may be considered negative. In XXXX ( 6 years ago ), account ending in XXXX was with Countrywide and then transferred to Bank of America. I had suffered a financial setback and applied for a loan modification from Countrywide, who was to have transferred to Bank of America. No follow-up responses to my loan modification was ever received from Bank of America XXXX XXXX XXXX, I obtained the services with XXXX. XXXX informed me that they would notify Bank of America that I was not to pay any mortgage, during this modification process and that they would be in contact with Bank of America on any and all mortgage issues. Basically, XXXX was to have been my representative. New York State Attorney General filed a lawsuit against XXXX alleging a wide variety of illegal and deceptive business practices and false advertising relating to XXXX home mortgage modification business. Lawsuit sought to stop XXXX from engaging in alleged unlawful and deceptive practices and an award of restitution and damages for injured XXXX customers. Upon receiving the enclosed letter, I immediately contacted Bank of America, who began working with me to bring account up to date. Due to the pending lawsuit and believing that I was doing the correct thing, Bank of America informed me that no delinquencies would be reported. House was never foreclosed. Referenced loan was refinanced and Bank of America was paid off. XXXX was found guilty in XXXX of breach of contract and had been ordered to pay restitution. Account was late but I disagree that account was never late for over 120 days XXXX 4 months XXXX. Bank of America insist that account has been reported correctly. Per letter of XXXX XXXX, XXXX Bank Of America stated that they had received my request to remove negative information from credit reporting. Bank of America reviewed credit reporting and confirmed that the information they provided is accurate. Therefore, their current reporting of my account will not be revised. I find their decision totally unacceptable. I feel that I am being penalized for the actions of XXXX, for according to their contract they were acting on my behalf, which later was incorrect and XXXX had been found guilty of breach of contract and Bank of America continues to punish me. I could see if I had been blatant in my financial responsibilities, Bank of America would have the right to report account as adverse or an account that may be considered negative. Bank of America continues to comment about Chapter XXXX Bankruptcy stating it was dismissed on XXXX XXXX, XXXX. This is inaccurate. Chapter XXXX Bankruptcy was dismissed in XXXX. This Chapter XXXX Bankruptcy has since been removed by XXXX credit agency. Bank of America account was never a part of Chapter XXXX bankruptcy. There were never any liens /liabilities filed against this record
Wells Fargo Bank Prime Equity Line # XXXX. Loan Balance {$9700.00} On XX/XX/2017, paid it off in full. On XX/XX/2017, Later Got balance Notification of {$36.00} paid XX/XX/2017 {$36.00}. Kept getting Email and messages on Web site for non-payment. Made 2 visits in person to Bank Branch, got assurance, will be taken care in 48 hours. On XX/XX/2017 got another email.. Went ahead and paid {$100.00} ( Minimum payment due ). On XX/XX/2017, Got another E-messages " Delinquent Payment ''.