WillisBack/dataset-financial-user-claim huggingface dataset:
Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not  know reason, Nine hard inquiries multiple less than the 14 days between rate inquiries. XXXX/XXXX/XXXX XXXX  inquiry, did not ask for them to do anything. Please remove inquiry XXXX/XXXX/XXXX Inquiry reported from XXXX XXXX Mortgage and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX XXXX Mortgage XXXX/XXXX/XXXX and XXXX/XXXX/XXXX hard inquiries too close to count as separate inquiry. XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have 3 hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called XXXX the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.
I opened an account with PNC based on incentives offered by a rep. totaling {$250.00}. I fulfilled the required obligations as outlined by the rep but never received the incentives. I emailed her XXXX times including just after completing the last requirement. I received no response. After several months of no responses I filed a complaint with their corp office. I was told I had not completed all the necessary requirements and that the deadline to do so had lapsed. I pointed out in a response that had the rep responded to my emails I would have had more than enough time to do so even tho I dispute that I had not fulfilled all the requirements. The emails attached clearly show I contacted her approx. 20 days after opening the account which according to them I had 60 days to complete the requirements for the incentive. I would have had ample time to complete any additional requirements they felt I had not met. Again I strongly dispute I had not completed each requirement set forth at the time I agreed to open the account. I also I informed PNC I stopped using the account because of the rep 's and PNC 's refusal to respond to my correspondences.
I had a business credit line with XXXX. I had this credit line since the early XXXX 's and terminated the credit line approximately 2005. The card has an annual interest rate of 10.750 ; daily finance rate of .02945 % ; average daily balance of {$12000.00} ; periodic finance charges of {$100.00} ; cash advance 10.750 % ; Daily Finance .02945 % Average Daily balance {$81000.00} ; periodic finance charge XXXX ; total finance charges XXXX ; total periodic finance charge {$800.00}. I pay a total per month of {$1300.00}. With a balance of {$94000.00} at the age of XXXX years, it is impossible to pay off this credit line. I have approached XXXX  for a reduction in charges and finance to pay off this note but the request was denied. I have paid off this note at least three to four time and feel that I am only a cash cow for XXXX.
I have a property in the State of North Carolina that Ocwen is attempting to foreclose on, but NC General Statute requires that the FDCPA debt letter be mailed WITHIN 30 days of the date of the original notice of foreclosure. The date of the original date of foreclosure was XXXX XXXX, 2011. I recently filed a complaint with this office stating that the appointed trustee never mailed the letter, but counsel for Ocwen responded by sharing a letter dated XXXX XXXX, 2011. This letter was not within 30 days of the date of notice and therefore, I was never provided FDCPA letter within 30 days of the notice of foreclosure as required by NCGS 45-21-16 ( c ) ( 5a ). The dates are clear and as stated Ocwen and its predecessors did not follow the law and provide the required 30 day FDCPA letter in accordance to law. Owen 's XXXX XXXX, 2011 was pre-mature, outside the 30 days and contained foreclosure fees that were not yet due. Ocwen must give us the opportunity that it gives everyone else when the full foreclosure process is not followed in accordance to law.
Hello in XXXX of 2015 I submitted a web application that said I was preapproved for a basic checking account with HSBC. I was then declined. Customer support said I needed to hard pull my own credit report and then send it in to them for a deposit only basic checking account. After several weeks I then called them with my credit report and they said that instead I needed to reapply. I reapplied and received another pre approved status. This after several more weeks was declined again. They said that it was because they thought I would use it for business purposes. This was obviously false. I needed XXXX factor web banking and a bank that I could physically walk into a branch internationally if necessary. I had numerous other checking accounts in good standing as well. I have never mismanaged a deposit account and I have excellent credit. 

I then reapplied for HSBC premier. This was then forwarded to security and fraud based out of the XXXX subsidiary. They requested additional documentation that deviated from their stated acceptable identification. I supplied what they asked for anyway. HSBC then failed to communicate with me and apparently allowed my application to expire stating they were unable to verify my identity. My documentation exceeds XXXX requirements. 

Previously I moderated XXXX and have an extensive track record of accurate predictions regarding financial, economic and geopolitical events. This includes but isnt limited to every major fed QE and rate decision since the financial crisis, the recent pullback in XXXX, numerous XXXX decisions and many others. The fact that a preapproved basic checking account is being declined for someone who has never mismanaged a deposit account and has excellent credit undermines confidence in HSBC 's ability to competently conduct basic banking activities and the security of its current deposits.
The loan was past due and XXXX XXXX XXXX applied for a loan modification with our Firm, a complete modification package was submitted to Ocwen Loan Servicing, LLC onXX/XX/XXXX, by XX/XX/XXXX we received a denial letter which stated the file was denied due to the account being more than 90 days past due ( Helping Homeowners Modification ) and option not approved by your bankruptcy attorney ( streamline Modification ).
We requested clarification as to the Bankruptcy portion of the denial letter as we represent XXXX XXXX XXXX and again a vague response as to consult with the bankruptcy attorney, After reviewing the denial letter with the bankruptcy attorney, XXXX XXXX XXXX XXXX. and she advised the denial is wrong and she has every right to apply we appealed their decision as we are the bankruptcy attorney of record and to please review the file on it 's financial merit.
On XX/XX/XXXX XX/XX/XXXX our Firm received another denial letter which had additional information but again stated XXXX XXXX XXXX was ineligible for the Ocwen streamline modification program due to an active bankruptcy.
Around XX/XX/XXXX I ordered tickets for a vacation on my Discover credit card. I called then to see if they could give me 0 % and they advised not in the lurches I already made but there was a promotion going forward for 0 % for 18 months they could give me. I transfered the balance from the trip to another credit card to get 0 % and used the discover for purchases going forward being it was supposed to be 0 %. A couple months later I looked at my bill and noticed finance charges. That 's when I called and was told they had no record of this and could n't pull the call. I spoke to a couple different managers and was promised call backs several times before reaching someone that advised they would credit the interest and put it on the 0 % as quoted. She stated it was clear was the notes that is what I was told. This was around XX/XX/XXXX. I looked at my billing again this evening and once again there are interest charges so I called and spoke to a girl named XXXX who told me she was not going to give me the 0 % and interest is 15.99 %. I told her I want the call pulled and she said that wo n't happen because they only keep calls for 60 days. I have been lied to and manipulated into paying this company interest. I have several 0 % interest credit cards and would not be continuing to use this credit card if I knew I was being charged interest. My husband and I earn cash back by using credit cards. I want the interest credited to my account and the 0 % interest rate. I am willing to hire a lawyer and file a lawsuit itlf this is not rectified immediately.
This is regarding Wells Fargo. Was trying to receive a loan modification. In XX/XX/XXXX. Wells Fargo is saying I was late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have documents showing my payments in all four months in the amount of {$800.00}. Wells Fargo did not tell me the loan modification would count as late payments on my credit report. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made double payments in the amount of {$2100.00} to get caught up. Wells Fargo has recently been convicted of unfair lending practices.
I have disputed an old XXXX account with Equifax and XXXX over a course of two years. The XXXX account has been closed ; however, a balance is reporting on my Equifax report as collections. Equifax has not provided any updated information on the validation of this account. I have requested a validation from XXXX too. To date, I have not received any information regarding this alleged account appearing on my credit report. Furthermore, I received a legal notice that my Equifax credit report has been hacked in 2017. Equifax has not provided any new information on disputes that I have requested or any new updates of the security breach.
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
I have an account that is reported as a Charge off ( XXXX XXXX XXXX ) but all the payments were made in time, i have two pictures to prove it. Please change the status of this account from Charge off to Paid as agreed or remove it from my credit report because this is inaccurate reporting. Thank you very much, I really appreciate your help with this matter.
I have no knowledge of this debt and who this company or who there client is. I sent a debt validation letter via certified mail and have received nothing except a letter stating that I have never responded to them and that they now threating that they will report this information to all three credit reporting agency. I have pulled my latest reports and they are indeed reporting this invalidated negative tradelines to all agencies even though it's disputed and I have received nothing to validate this debt from them. I have attached the certified mail receipt sent on XX/XX/2018 as it relates to my response to this firm asking them to please validate, I even outlined the specific items needed to validate this unknown debt and I have received nothing.
I have multiple times have set up a dispute for items on my credit report with XXXX and Transunion regarding fraud accounts and many inquiries on my cresit report. I have been a victim of identity theft since 2006. Recently I also learned my information was part of the Equifax breach. The following accounts need to be removed from my account and have not although I have provided a police transcribed report. 1. XXXX XXXX  {$2800.00}. 2. XXXX XXXX old account fir {$360.00} 3. On XXXX  & Transunion XXXX XXXX XXXX for {$2800.00} 4.  XXXX XXXX for {$520.00} there is also is XXXX inquiries that should be removed. My police report states XXXX XXXX as well as XXXX since the report only had these 2 items. Ever since the breach now the other 2 have appeared. Thet jave not pit the items in dispute nor does it state and its hard to get through tk them. I have requested multiple times to nlock these items from my report as XXXX has fixed the situation and removed the items in 24hrs with them having my police report.
I need assistance with my mortgage company Ocwen Loan Servicing. I am a XXXX XXXX XXXX veteran and a resident of Georgia. I have been paying my mortgage by automatic bank draft ( XXXX XXXX XXXX XXXX ) for over XXXX years now However, Ocwen is saying they have not received payments from me and are threatening foreclosure. I have attached a copy of my payment history which shows that I have been making payments. Also I am unable to file my taxes because they have not listed the correct amount of interest I paid on my loan. I have included the loan number for your information.
In XX/XX/2018, I tried to apply for a new apartment that was cheaper in rent so that I could save money and repay my student loans. My employment contract was terminated so I am doing all that I can to make arrangements. When I submitted and paid for apartment rental applications, a rental report agency said that they had adverse debt collection on my record from Access Group. I tried to get this resolved and I was denied an application for rental from 4 places in one month because of this WRONG and ILLEGAL attempts by Access Group to ruin my credit and ability to meet my financial and economic needs. Because of this, I lost over {$100.00} in rental application fees and was unable to move to a cheaper and more rent-friendly apartment so that I could save money and pay my student loans. These actions by Access Group are UNACCEPTABLE and I NEED your HELP to remove this from my reports. Access Group has repeatedly refused to work with me and I have no where else to turn. PLEASE HELP!!!

I have filed previous similar complaints against Access Group and yet they continue to user threats and to unreasonably and unnecessarily interfere with my credit. HOW am I supposed to make these student loan payments if Access Group threatens and harasses me with debt collection and damaging my credit without even attempting to resolve the issue with me?
I made a purchase at a truck stop in XXXX XXXX, XXXX  early on XX/XX/XXXX. I paid with a Bank of America card [ last four digits XXXX ]. I then drove to the interstate and began driving to XXXX, XXXX. Sometime mid-morning of that same day, I received a fraud alert from BOA. 
I pulled over in the town of XXXX, XXXX and called the number. A representative, a man, looked at the charges and attempts to use the card. After determining it was not physically possible for me to have made the charges, he told me he was cancelling the card, and that I would not be responsible for the charges. [ {$260.00} on XX/XX/XXXX at  XXXX XXXX XXXX ]. 
( I called the manager of the store : he used security recordings to find the activity. He may well have been a co-conspirator as his answers seemed very vague and strange. ) XX/XX/XXXX I received a denial letter. The letter stated that the charges had been made using the chip on my card. They stated the card would have to had been present to make the charge and I obviously made the purchase. Not true. Wasn't there. 
XX/XX/XXXX I made a call to BOA and talked to XXXXwo fraud adjusters. I was told they were sorry but it was obvious I had made the charges since the chip had been read. I told them " someone is ahead of the curve/better technology '' : I was not present, did not make the charges, was in fact several hundred miles away. They still denied it.
On XXXX XXXX 2015 I was attempting to make a mobile deposit to my personal banking account when I was denied access. I called USAA to find out why I was not able to make a simple deposit. The representative told me that there had been XXXX hidden accounts created under my name and transfers had been made and now those accounts where in the negative balance. I reported to the associate that I did not authorize these accounts and I asked how was this account authorized without my signature. They could not give me an answer. The representative told me the fraudulent accounts had been created on XXXX XXXX and had transfer activity since that date. I quested the bank again because I always receive notification through email, text, and phone call whenever transfers or accounts are open, and I received no notification of this activity. The representative again stated that she was unsure how this happened. I was directed to the fraud department and they asked me if I had participated in a scam or if I had given out my information to anyone I stated no. The fraud team stated that the person would have had to know my XXXX security questions, my pin number, my login information, and I stated again that no one but me has this information. They proceeded to tell me that they would investigate and I would get a call back within 48 hours with a resolution. They froze all my accounts and I had access to none of my money. I received no information from USAA, so I proceeded to call and the representative stated that USAA will no longer do business with me and that I am held responsible for all negative balances, so all my funds were taken over. The representative stated that this decision had been made on XXXX XXXX, though I was not notified. I called again to gain a dispute form a different representative stated that no criminology report for the fraud had been submitted which she found strange and she submitted one today.
Under a recent direct of all three credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.
I have reason to believe that this debt may have been the result of an identity theft. Based on the information provided in my report specifying that I owe an amount of {$6700.00} for an apartment at XXXX XXXX. This information is completely false and inaccurate seeing that I never lived at this apartment location, nor is the address being reported on my credit. It makes no sense at all and I wish to address this matter with your consumer bureau. I have been struggling to resolve this matter for almost five years now and it has been one heck of a journey.
This letter is to inform Davis & Goldmark Inc. that I dispute the validity of this debt that you are claiming that I owe or for which your company is otherwise alleging that I have any personal liability or responsibility which you claim is in behalf of your client XXXX. 

I have no personal responsibility for this debt. 

Davis & Goldmark sent a collection letter dated XX/XX/2018 to me personally : [ see attached PDF file ] The address however [ see PDF file ] is the corporate address of [ see PDF file ] my company. 

All activity that occurs at this address is business activity associated with the corporation. 

All packages that are shipped from or delivered to the above address are exclusively related to the activity of the corporation. 

The letter from Davis & Goldmark states : XXXX delivered a C.O.D. package to you and payment of {$140.00} should have been collected at that time. For one reason or another, we show no record of receiving this amount. 

Neither XXXX nor Davis and Goldmark have identified the name of the sender, the alleged date of delivery, the type of package, its contents, value or or any other relevant information. 

Why would XXXX the tightest ship in the shipping business leave a C.O.D. package without collecting the amount due [ a package that by definition is to be delivered only upon receipt of cash on delivery payment by the recipient ]? 

Based on the identification of the perfunctory nature of the XXXX delivery activity in question, that Davis & Goldmark has provided in its letter, XXXX failed to satisfy their responsibility to their shipping client -- - and rightfully need to refund their client, the shipper, not to wrongly come after me personally for this that I had no personal connection to. 

If a package was indeed delivered to our company by XXXX as conjectured by Davis and Goldmark,  and XXXX failed to collect payment for the alleged delivery and for a package for which my company has no record of receiving that is neither the responsibility of my company and certainly not my personal responsibility to pay XXXX or Davis & Goldmark. 

In keeping with the " bottom-feeding '' disreputable nature of collection outfits, Davis & Goldmark is  evidently trying to bamboozle and intimidate me -- - as is apparently their stock in trade - and probably doing the same to numerous other people who have no personal fiduciary responsibility for the given debt .... just so Davis and Goldmark can strong arm as much revenue as they can -- - whether earned, deserved, relevant or not. 

Davis & Goldmark is misrepresenting, wrongly associating and fraudulently claiming the above as my personal credit obligation and personal debt.
A company named 'everest receievables ' contacted me by phone and by mail to collect a debt for exercise nation, which is a gym that i never had a membership with. Everest claims i owe XXXX dollars. This is a false debt. I am in the process of mailing them a written letter stating such and to cease contact with me.
Experian has not even tried to investigate my identity theft, I have given them the names of the fradulent accounts yet they keep sending me a letter saying I did not provide them with enough information, the other XXXX credit agencies actually investigated and removed the negative items Experian refused to investigate. Is it not the law to investigate identity theft accusations to make sure the information is accurate. Experian 's investigation department is little to non existent apparently and the FCRA has been violated.