WillisBack/dataset-financial-user-claim huggingface dataset:
I have several inquiries on my credit report with Equifax that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from them stating ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below. Equifax : 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 XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX  XXXX XXXX/XXXX/XXXX. I did not authorize these inquiries with any of the above listed companies on or around these dates. Thank You for your time.
On XX/XX/2018 at XXXX Eastern Daylight Time, my friend was sent {$20.00} USD or in XXXX XXXX XXXX which XXXX in XXXX , XXXX XXXX XXXX ( XXXX ), XXXX would not release after he gave the amount, his name and ID as well as my name and identifying information. My hope is your officers will assist in not only my being refunded the transferred funds but additionally the {$6.00} transfer fee as a service was not provided. My thanks for your help. The company was XXXX XXXX at XXXX XXXX XXXX ( XXXX XXXX XXXX # XXXX operator ID XXXX ) in XXXX XXXX, NY XXXX. Blessings on you and your family!!!
XXXX XXXX XXXX was discharged in Chapter XXXX Bankruptcy on XX/XX/2008. Mortgage was sold to XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the account as delinquent to credit agencies, Experian, XXXX and XXXX.
The error resolution procedures outlined in Section  1024.35  does not make a distinction as to whether the borrower asserts an error regarding an active or closed loan. It simply states that a servicer shall comply with the requirements of section  1024.35  for any written notice from a borrower that asserts an error and that includes the name of the borrower, information that enables the servicer to identify the borrowers mortgage loan account and the error the borrower believes has occurred. My complaints to the  XXXX  credit reporting agencies regarding the re-aging of my account serves as written notice to the servicer that an error relating to the servicing of my loan has occurred. This complaint serves as my request for documents and information relied upon by the loan servicer in making its determination that no error has occurred.  <P/> The FCRA requires servicers to provide accurate information to the credit reporting agencies. As such, Bank of America, N.A., as the loan servicer on this account, is required to comply with all requirements applicable to a notice of error with respect to such written request. I have disputed the accuracy of the date of delinquency reported to the credit reporting agencies by Bank of America,  N.A . The servicer must comply within 30 days after receipt of the notice of error. Pursuant to section  1024.35 ( e ) ( 4 ),  the servicer shall provide documentation and information relied upon by the servicer in making its determination that no error occurred within 15 days of the borrowers request for such documents.  <P/> Bank of America, N.A. has failed to explain why it believes my mortgage account first became delinquent in  XXXX   XXXX . The CFPB issued a final rule on when a borrower becomes delinquent for purposes of servicing rules.  <P/> A borrower and a borrowers loan obligation are delinquent beginning on the date a payment sufficient to cover principal, interest and if applicable escrow becomes due and unpaid The CFPBs definition of when a borrowers loan becomes delinquent is consistent with the mortgage loan provisions  of P2, S ection O a nd P4 Item 3 ( attach ed ).  <P/> The  XXXX   TILA Servicing Proposal  promulgated by the CFPB allows servicers to apply payments to the oldest outstanding periodic payment. When this occurs the borrowers delinquency must advance. In the instant matter, this did not occur. The payments accepted by the loan servicer between  XXXX   XXXX  and  XXXX   XXXX  were applied to principal and interest and not applied to the periodic property taxes that became due  XXXX   XXXX ,  XXXX  ( see attached ). The loan servicer has not provided a reason authorized by law as to why my mortgage loan account was re-aged. They are required by law to correct the error.  <P/> A copy of this complaint has been mailed to today to : Bank of Americ a, N.A.,  Customer Service,  CA6-919-01-41 ,   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX , CA  XXXX
I have a debt thats been showing on my credit reports for a couple years now. The original account appears to be utility services through XXXX in which I have never had service. I believe this may be a result of an identity theft that I wish to address.
XX/XX/XXXX : I filed a dispute with all three credit agencies regarding a late charge that was reported as a result of charges accumulated from a stolen credit card.

XX/XX/XXXX : I am attempting to pre-qualify for a mortgage. XXXX can not pull my credit from Equifax as equifax is stating there is a fraudulent alert/freeze on my credit. I contacted Equifax where I was assured the alert would be lifted within 48 hours XX/XX/XXXX : XXXX still can not access my equifax report. I contacted equifax 4 additional times this day -- even conferencing in my mortgage loan officer. I verified my personal information and was also assured I did not have any type of block whatsoever on my file. On this same day, I attempt to obtain my free credit report from XXXX and equifax stated they will not provide it to me unless I resubmit multiple different forms of identification. This
I have a loan through a previous lender XXXX XXXX. They've sold the loan & didn't properly allocate all my payments to the loan NOW resulting in my vehicle being repossessed right before XXXX. I've contacted them via email to correct this but unable to resolve. I've contacted my banks to provide additional payment info. I've located two additional payments not provided on the ledger they've kindly sent you. I'd like my loan recalculated removing all inapplicable late fees. My vehicle returned & my loan paid in full. I am not happy with the results because I'VE TRIED TO RECONCILE WITH the CFPB & my new lender.
I XXXX from XXXX college in Washington DC in 2009. I received my student loan from XXXX but sold to navient. I am having problem refinancing the loan. I can not even get the XXXX for my taxes. I do n't understand what type of student loan is that.
Once my XXXX was confirmed on XXXX 2009, my lender failed to send me monthly statements with the new amount. It took many letters and calls and over 6 months before I received my first incorrect statement. 
According to the BK court, XXXX XXXX XXXX, modified the existing loan to be {$790.00} and the Debtor will pay the taxes for the property. 
The Debtor paid the taxes for the first year, but XXXX ( the previous bank ) still charged the Debtor for the taxes. 
Since then the banks never allowed the Debtor to pay the taxes and the new lender informed me that they have no records previous to them taking over the loan. 
The new lender is currently Caliber home loans and they told me that I owe them {$13000.00} in back taxes.
I am currently in a loan that was not really disclosed properly by my lender and now i have been trying to find someone anyone to help me get this loan change to a fixed 30yr and have impounds account attached. i have try loan modifications only to be told im current on house payment and have too much equity in my home.due to only my income i evem filed chapter XXXX to pay off all my debts so i can continue to make my mortgage. i was told by a manager at chase due to the bk they ca n't help and ca n't put me in impound acct. my house was not included in the bk and i just need this loan to be turned into a fixed XXXX with impound s and at an affordable rate can manage. i feel chase has not been helpful in this situation so im hoping you will beable to help. thank you
I am writing to complain against BECU 's punitive and uncompromising charge of {$25.00} against a transfer I tried to make and which BECU rejected for insufficient funds. On XXXX, I tried to make an overseas deposit for {$1000.00} using the XXXX. I requested XXXX to cancel the transaction immediately on XXXX when I realized that I ordered the transaction from the wrong bank account, but it appears that XXXX did not honor my request. I called XXXX and they said they were looking into the issue. Today I called BECU.org and explained my problem and requested a reversal of the charges but they refused. My complaint is that although BECU rejected my transaction, the BECU Credit Union still fines me {$25.00} for the transaction that they dishonored. I would have understood if BECU honored the transaction by giving me an overdraft and then charging me a fee, but they did not. I have had an account with BECU for a while, and I have never had a failed transaction. BECU prides itself as a CREDIT UNION, and it proudly advertises itself as more caring and friendly to its " members '' not " customers '' as the big banks call us. I suppose the word " members '' to BECU means the same as the word " customers '' to the big banks ; it 's just a matter of semantics ; the word " members '' sounds friendly in need and not in deed, because the bottom line is the same : " we, your friendly credit union, will not give you, members, a first time warning, but PUNISH you with an unreasonable fee even if you make a transaction that does not go through, and even if we ( BECU ) do not incur any loss of funds on our side, and that is the rule and that is how we treat our MEMBERS. '' I find this policy punitive and disrespectful and BECUs business practice loathsome and as pleonexic as the big bank 's policies. Please help me recover my money.
My Direct Federal Student loans were transferred to Navient a few years ago which also services old XXXX XXXX ( XXXX XXXX ) through XXXX XXXX. Navient has lumped ALL my Federal and Private loans together and I can not distinguish what I owe/my payments are for my Federal Loans only. I am unable to file for a forebearance or income based payment plan from their website as it only states that I am past due and can not apply for income based repayment plan or lower my payments ( I am past due on my Private Loans which is preventing me from handling my Federal Loans ). Their website first displays any outstanding private loans first and makes it inaccessible to access my Federal Loans until I deal with my private loans first ( which I have disputed amounts with XXXX XXXX XXXX. 

I have requested through the Dept of Education about getting my Federal Loans transferred to another servicer because it is apparent that Navient only wants to collect on the XXXX XXXX loans and is basically trying to make me default on my Federal Loans by not allowing me to change my payment plan or defer my loans. It would seem that Navient has a huge conflict of interest when people hold private loans through XXXX XXXX as well as Federal Direct Loans that were transferred to them since their first priority is to XXXX XXXX and not to the Federal Gov. It would not surprise me if Navient receives some sort of kickback from the Federal Gov for getting people to default on their Federal Loans. All I want is for my Federal Loans to be transferred to a new servicer - once that does not have a conflict of interest with my private student loans.
I put something into dispute. I received an e-mail telling me to look at the Chase message center for the charge card because they needed more information. I supplied the information via Chase message center. I have contacted them several times to ask if my dispute was completed and I did not hear back from them. I contacted them today and I was informed that they had asked for more information and that I had not supplied it. I told them that I had not received an e-mail from them stating that they needed more information or an e-mail telling me to look in my Chase messages. I was informed that they may have only mailed the papers requesting more information or that their Chase message system may of had a problem or been down when they tried to send the message. I asked if they could verify that the Chase message center was up and working and they said it was internal and that they could not verify it for me or let me know the outcome of what they discover???? The way I understand it is they are telling me that because the Chase messaging was down this is my problem and my dispute was declined for this reason. I also understand that this means that if their paperless service is not reliable I will be held responsible.I signed up for their paperless service but that it is not reliable and if it has problems then I am the one who will be paying for their system failure in the end. I spent XXXX hours on the phone with them trying to straighten this out and I was prepared to spend the entire day tomorrow on the phone as well but I got lucky and got a customer service rep named Author who listened and said he understood my problems. I am concerned that an " Author '' may not be available to everybody ( it took me XXXX tries to get him ) and that due to Chases failure to keep their computer systems online and reliable other people may also be held responsible for their system failures. I think this needs to be investigated. In my opinion this is almost fraud when they tell you to sign up for paperless messaging and then they hold the customer financially responsible for the failure of their systems.
XX/XX/XXXX I received letter from Capital One that they closed my savings account with no warning, no notice, and without my consent. I went in person to Capital One Branch at XXXX XXXX XXXX XXXX TX XXXX. XXXX XXXX XXXX could see my account closed and the fact that I still had funds in acct. She said the phone lines to talk to someone about my problem was busy. I sent tweets ( my profile XXXX please remove from description before publishing ) to Capital One Cust Service on XX/XX/XXXX and many days after that they tweeted me they escalated my issue to another group after many tweets of them making excuses why they could not help me. I also sent multiple emails to Capital One XXXX XXXX XXXX and Capital One Communications XXXX XXXX. XXXX XXXX sent me read acknowledgement of my emails and received nothing from XXXX XXXX. I finally got reply from Capital One Cust Service twitter account @ AskCapitalOne about XX/XX/XXXX and also received a letter from Capital one stating they turned over my funds to the State of Texas as unclaimed funds and were waiting to response to my many tweets until AFTER this transfer was completed. I was in almost daily contact with their customer service during this time and was they did was completely corrupt and underhanded. I kept asking them and XXXX XXXX XXXX to reopen my account as it was prior to them closing it without my consent. Please assist me getting this done. Thank-you
I filed a dispute with XXXX  advising that an item should not be on my report. The next day I received a message advising that the Collection agency said it was valid. Then my score dropped two points for the same item. It had already dropped two points within the same month. I called the creditor who confirmed the error. I called XXXX  three times with no success
I ha ve a Perkins  student loan that is currently in repayment status. In  XXXX  o f 2016, m y lender,   XXXX   XXXX  , decided to transfer my loan to a new servicer :  XXXX   XXXX . My promissory note requires that my account information be provided to  XXXX  of the credit reporting agencies, and my lender requires that  XXXX   XXXX  report specifically to Equifax. However,  XXXX   XXXX  has only reported my account information to Equifax  one ( 1 ) time  since becoming the loan servicer. Therefore, I believe   XXXX   XXXX   and  XXXX   XXXX  has been in violation of the promissory note fo r fifteen ( 15 ) of the last sixteen ( 16 ) months. I hav e been in contact with both  XXXX   XXXX  and   XXXX   XXXX   regarding this issue since lat e 2016.
Last year I tried contacting Navient to find out how to put all my student loans on hold, get them consolidated and to let them know my family and I are displaced. I also tried this year because we are displaced, I lost my job and even sent them a copy of the homeless verification letter and termination letter. They could not get back with me last year and could not give me proper information this year. I as trying to use my taxes to get a place to stay and now can not because they have taken them. I explained to Navient about me being displaced and wanting to get help months before and was not helped. I have been contacting a number of collection agencies that do not get back with you, are no longer involved or phone numbers do not work. Borrowers should not be held accountable, especially in extreme circumstance conditions where they are trying to reach out for help and who ever is trying to collect is not trying to be compliant by meeting the borrower half way. I am looking to file a grievance and have my income tax returned so we can find a stable place to live. When I contacted the company on the letter from the Department of Treasury, they had wrong and outdated information and they just recently got my file and I have been trying to rectify the situation before it came to them. The lady XXXX ( XXXX at XXXX ) gave me an option that would not even apply to me even after I gave her time frames of our hardship. There is no way, that no one knows what is going on with my loans and can not help me be on the repayment program but can assist with garnishing my tax return months later. Also, when I spoke to Navient I also gave them the correct information and if Navient or someone else decided to input the wrong information, that is not something I should be held accountable for since I already gave the correct information. I also have my current homeless verification letter from this year but do not currently have it in front of me to submit with this documentation. Please help us.
I disputed an account on my Credit report through XXXX for company Receivables management Account Number XXXX. XXXX did their research and Receivable management DELETED ths account from my XXXX report see attached corrected credit report from XXXX. However Receivable management still is reporting on my XXXX and XXXX credit reports which is hindering my selling my home and getting a approved for a new mortgage. I have contacted the office directly and received correspondence from XXXX XXXX and XXXX XXXX advising they have been trying to contact me and the debt was VALID this is false they have NOT been trying to contact me and the debt was not valid it was disputed after I paid this bill at time of service. How can they delete from one credit report and now still report on the remaining two. I am very frustrated and hoping your company can assist me before I have to seek legal counsel. Also they are reporting different amounts on EACH of my remaining reports which also conflicts with the correspondence they mailed with me with amounts being owed.
A series of parking tickets were accumulated by my wife through XXXX  XXXX  University in the fall of XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the National Consumer Assistance Plan: XXXX , should not appear on my credit report. Starting in the spring of XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX, XXXX, and XXXX. However, all three did not apply the National Consumer Assistance Plan, and the hit to my credit was not removed.
I've disputed this debt collector 's charge of 1., I never opened an account with this debt collector on XX/XX/2018, 2. I already have the original creditor XXXX on my credit report for the same amount. 3. This XXXX failed to validate ownership by bill of sale. This debt collector is placing false information on my creditor report. 
Account Details Last Reported XX/XX/2018 Collection Agency EOS CCA Original Creditor 10 XXXX Status Open Opened Date XX/XX/2018 Closed Date -- Responsibility Individual Balance {$1700.00} High Balance {$1700.00} Remarks Account information disputed by consumer, meets FCRA requirements
I have a two part problem : I purchased a mattress on XX/XX/2017 for {$5200.00}. It was a promotional purchase of 12 mos deferred interest with payments. I have been making monthly payments mostly more than the minimum requested on my statement. However, not a single dollar has been applied to the promotional balance on the account. I called XXXX and I received a variety of answers all different, none of them made sense. I have been told that I need to call every month to request that they allocate a portion of my payment to my promotional plan and that was contradicted by someone else through chat saying a portion of my payment should automatically be applied to the promotional balance. I escalated my concern to a supervisor who claimed that because a change in terms all of my payment is being applied to my regular purchase plan and none to my promotional balance. When I asked more about this change of term such as the date and when a notification was sent out and a copy of it, he told me he would research it and get back to me in a week. He said he would call back but he never did. 

Ultimately, what I have gathered is that the minimum payment is calculated upon my entire balance ( my regular purchase plan and my promotional balance ) but when I send my payment, it is ONLY applied to my regular purchase plan. So how exactly am I able to fulfill the terms of the promotional plan if the payment allocation method clearly contradicts the terms of such plan? As of today, I still owe {$5200.00} on that credit plan even though I have made payments every month. So were the promotional plan terms fraudulent and instead I'm supposed to pay the {$5200.00} all at once after 12 months? Or is XXXX having an internal system issue in which they are not applying my payments correctly? 

My second issue is with the mattress we purchased on XX/XX/2017. It has a huge sink hole on one side. I've contacted XXXX to have it warrantied out and just like always they send the same technician who states there's no issue with the mattress. Their rudimentary way of 'testing ' the mattress ensures that XXXX never has to warranty a mattress. It is severely defective and unusable and it needs to be warrantied asap. We are tired of being sold lousy mattress after lousy mattress, new one much more expensive then the one before and it being of lower quality.