WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a mortgage loan with Bank of America. I was given apre approval letter. BOA disapproved the loan right before I wasset to close on the property because Debt to Income being to high. 
In setting the debt, BOA utilized an auto loan that had been paidoff and not utilizing income on a rental property, both issues thatI had extensively discussed with the loan processor. AdditionallyBOA did not calculate rental property income in accordance withXXXX XXXX guidelines and would not correct their mistake whenit was brought to their attention. In calculating the rental incomeBOA calculated a rental income of {$9700.00} for tax year XXXX a loss of {$1600.00} for tax year XXXX. However in the calculationof the two year average, BOA calculated a two year averageas a loss of {$6100.00}. Additionally in calculating the loss for taxyear XXXX, BOA did not add back the HOA fees listed on the taxreturn as required by the XXXX Guidelines.
In XX/XX/XXXX I bought a XXXX XXXX XXXX XXXX from XXXX/Bridgecrest always made my payments, I was not perfect but made sure the payments were made. I had the car 10 months and, paid every month tell XX/XX/XXXX the car was totaled XX/XX/XXXX it was signed over to XXXX XXXX XXXX XXXX XX/XX/XXXX, it is at a auction house I no longer own or, have had the car since XX/XX/XXXX. I still was nice and, made payments for a month and, a hafe after I signed it over to the insuance company. I also have Gap, and full drivecare gps warrantys on the car that I paid an extra XXXX for. Bridgecrest/XXXX got the insurance check for XXXX and, is still trying to bill me XXXX for a car I no longer own or have. with them getting refunded all the warrantys and, gap plus gps that I did not get to use for the five year contract this car should be paid off. This is effecting me as, they think they can double dip get me to pay for something I do not own or even have. I bought gap in case something like this happened. This is not right or fair. I am stuck without and, have XXXX XXXX XXXX bills due to a XXXX  injury, and I have to pay that out of pocket, but I had every warranty known to man on that car through XXXX, and they want to bill me XXXX.
I filed a fraud claim on several charges on XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX I called and emailed numerous times daily to either speak to someone in the fraud department or to have someone call me back in regards to my claim. I was consistently denied access to the department, being told different things in regards to my claim. I also asked to have a password added to my account so no one would be able to access it. I was told the paperwork would be overnighted and I would receive it by the XXXX of XXXX. It was sent standard ground mail and I did not receive it until XX/XX/XXXX. Finally, I was told that the manager of the fraud department would be calling me back in an hour on XX/XX/XXXX at XXXX XXXX, CST. However, I did not receive a call until XXXX XXXX, CST. The manager XXXX XXXX had a horrible attitude, laughing as I explained the situation and implying that I was lying about the fraud. I explained that I already filed a police report with the Police Department and I already emailed it. She stated that they had never received an email from me, I explained I have every email chain including responses from people in her organization. She then stated that I had to complete an affidavit and have it notarized, mailing it back. I explained if that was the case I wanted the paperwork sent overnight to my address and I would do as asked. It is now XXXX XXXX, CST on the XX/XX/XXXX. I took an entire day off of work to be here when the paperwork came and it has not. In fact, nothing was sent. I spoke to the fraud analyst today, XXXX XXXX and sent her a copy of the police report that I have been given and for whatever reason she has insisted that it is not the correct report and that I have to send another report. I explained to her that the report I sent is the report I got directly from the headquarters of the Police Department and there was nothing additional I could do. It has literally been one thing after another dealing with Pentatgon Federal. From being called a liar, to having people give me illegitimate information in hopes of scaring me from reporting the fraud. It is my understanding that the bank has 10 business days to issue credit on my account, it has now been more than that and I have not been issued any credit. Instead, I have been given nasty attitudes, unprofessional feedback and information and no solution. I've been lied to numerous times about paperwork being sent to me and passwords being added to my account. I filed a claim on a {$270.00} charge previously that was never actually filed and until the XX/XX/XXXX no one was assigned to this claim, which is exactly what I wanted to avoid and why I continued to ask to speak to someone in the fraud department. It is also my understanding that the bank is to fight for me, not the other way around. It is absolutely unacceptable for any organization to carry themselves in the manner in which Pentagon Federal Credit Union has and against the law in regards to how they process fraud claims. For all I know, someone within their organization is omitting the fraud on my account.
I opened an account ( XXXX ) with XXXX XXXX in XX/XX/XXXX I paid them for a year but never used the service because I never installed any equipment and in XX/XX/XXXX I decided to close the account and I paid them an early termination fee of {$270.00}. Later I began to received a lot of letters from them and as I have automatic draft they tried to take {$440.00} and I disputed with my bank, because I paid them what I owed them before plus the early termination fee. When I called them to ask what was happening they said that there was another account ( XXXX ) in new York with a balance of {$450.00} open with my name and my SSN then I explain that it was not my account that was impossible, they charged {$440.00} to the account that I close with them ( XXXX ) in Florida just because it was with my name and my SSN that someone used. I tried to explain and asked them to find out who opened this account because it was NOT mine and they transferred me to the identity theft department : In this department they said they can not do nothing because XXXX XXXX closed the account ( XXXX ) in new York and transferred the balance to my account ( XXXX ) that was closed ... just because there was opened with same name and social security ..., then there is not any identity theft because this is my real account, they said they CAN NOT investigate a real account then said I have to call XXXX XXXX and find out who transferred this balance and why? to my account. Then I spoke to XXXX XXXX and they said they do not use to transfer the balance of an account to another and they still finding out but any result.They sent me with a collection agency named Convergent Outsourcing and reported to my credit XXXX and XXXX and the only solution they are offering me is to report it to the police department. I would like you to investigate this kind of fraud why do they charged to an account it was paid and closed from another different account that was opened and fraudulent, the thing is if its supposed '' '' '' I have an account in New York : why do n't send the letters and charges with the correct account number opened in new york? and use the account that was pay off?? very convenient, no? because the identity theft department can not investigate it because it was charged to my real account, and a real account can not be investigate.
I view my credit reports Transunion that reporting that from collection creditor ( XXXX ) account number XXXX.Adress XXXX.I contacted with XXXX collection department .I spoked with supervisor employee name XXXX and his contact number are XXXX.He verified account are not under my SSN or address and is not my account and I also talked to Transunion they cant not do anything but disputed, and i already did as XXXX/XXXX/2016 and file number XXXX and contacted with supervisor transunion XXXX from consumer contact dept.
I am showing XXXX open accounts on my Credit Report under XXXX XXXX XXXX XXXX is for {$10.00} and XXXX is for {$28.00}. I have attempted to contact them with the number I found on the internet ( XXXX ), but it is disconnected. I had contacted this agency in XXXX 2014 and I was informed that all my accounts were up to date. I would like this removed off of my credit report.
Two different times, XXXX different Capital One Bank 360 customer service representatives misled and misinformed me about applying for a Capital One Bank 360 checking account overdraft line of credit. The first took place on XXXX XXXX, 2016, and the second took place, a day later on XXXX XXXX, 2016. I specifically asked both Capital One Bank 360 customer service representatives, on two different occasions, if me having a security freeze on my XXXX credit file would affect/stop Capital One Bank, in any way or form, from receiving my credit score and both times, both different Capital One 360 customer service representatives confirmed with and assured me that the security freeze would n't affect/stop Capital One Bank from receiving my credit score from Equifax. Well now I have XXXX inquiries from Capital One Bank on my XXXX credit file and both of those Capital One Bank inquiries are now unfairly lowering my credit score. Capital One Bank never received my credit score from Equifax because of my security freeze. Capital One Bank then also totally denied me a XXXX checking account overdraft line of credit and is now also refusing to remove both inquiries ( XXXX XXXX, XXXX XXXX, 2016 ) from my XXXX credit file but this time Capital One Bank 's 360 customer service representative are recommending that I contact XXXX directly so that I can have XXXX lift my security freeze temporarily so that I then once again reapply for another Capital One Bank 360 checking account overdraft line of credit but before I do that I need the XXXX previous inquiries totally removed from my XXXX credit file because I refuse to add yet another Capital One Bank related inquiry on my XXXX credit file so that my credit score is lowered even more and especially when the XXXX Capital One Bank related inquiries that are already on my XXXX credit file, are there because of me being totally misled and misinformed by Capital One Bank 's 360 customer service department and/or representatives!!!! I do want and need an overdraft line of credit on my XXXX checking account. Also in both of the denial emails I received from XXXX was there ever a mention about my XXXX security freeze causing XXXX any type or form of problems or delays, whenever XXXX requested my credit file or score from XXXX.
I am the XXXX and was contacted by Flagship XXXX about a vehicle loan that is over due by that XXXX. The company rep, XXXX ( XXXX ), relayed that she was contacting me to find my XXXX in order to avoid " having to go through military legal means ( Provost Marshall ) to effect a repossession on the installation ''. It is my understanding that under the FCPA, that creditors are not allowed to discuss status of loans with employers. They can only contact employers to verify employment and ask for contact information.
Last Saturday, I applied for an " Apartment '' filling out the necessary financial " screening paperwork '' which include an " Experian '' credit report. The " Experian '' credit report falsely noted that I had a home " Foreclosure '' sometime in XXXX or XXXX. I am a victim of " Identity Theft '' and now after calling " Experian, '' " Experian '' is also refusing to give me a copy of my current " Credit Report '' that they have on me. I was wrongfully " Denied '' to move into this newer/nicer " Apartment '' complex all thanks to " Experian. ''
Found a private loan company on the internet in  XXXX   XXXX , NV The name or company is  XXXX   XXXX   XXXX . I reached out to the loan officer,  XXXX   XXXX  Did not think anything suspicious because the number was a Nevada number. We had conversation for a few days and led to a promissory not signed by both. The loan amount was  XXXX  for a refinance. The origination and  Doc  fee was {$1300.00} I received bank account info to Chase bank with acct # and routing number. Account name also. The note was signed by  XXXX  on  XXXX   XXXX  and signed by me on the  XXXX ,  XXXX  days later.. I have not heard anything from the loan company other than they said the bank wanted 1 % of the loan for closing. This was not a bank loan, it was a personal loan through this investment company.  XXXX   XXXX   XXXX   XXXX . I have filed a complaint with the fraud and claims dept. at my bank which is   XXXX   XXXX   XXXX  .     I 'm asking for help to try to get my fee back.   XXXX   XXXX   XXXX   said that they will file with  XXXX  but, if the account holder does n't want to transfer the monies back or does n't respond, there is nothing do be done! Is n't this illegal?
I was confirmed a victim of the Equifax credit attack. I entrusted my personal info, info that can be used to ruin people 's lives, to them. I have taken all of the precautions since then, but something like this should n't happen to an agency handling this kind of information.
I received an alert from XXXX XXXX that there was a debt in collections listed on my report. When I checked it out, it said I owed money to Diversified Consultants in the amount of {$1200.00}. I have no knowledge of this debt, have never done business of any kind with Diversified Consultants, and am requesting this be removed from my credit report immediately.
Information is missing from my credit report and that is ruining my ability to access credit. Their response to my enquiry is that they are 'unable to honour your request to place credit information into your personal credit report. ' So what do I do?
I have a problem with American Credit Acceptance i have gotten a extension due to loss of job and when my regular payments started back up i Called them after the second payment to see why my payment was just gone towards entrance and not the principle explain to me after 4 months of getting caught up with interest that my payments will start going towards The principle. And here it is XXXX and I'm still sitting at the amount that i owe in XXXX of this year now. I haven't missed a single payment and I'm just lose i called the company to ask what's gone on and they can't even tell me what's gone on so i need help to be done with this company.
I have been paying my loan regularly, no late payments, for over a year. Decided to start paying on principal. Had made full payment a couple days prior, on time, and made a second payment, including " special instructions '' as instructed. I was told only a portion would go to principal, the rest to late fees and interest. I do n't have late fees, but they had given me one! 
I sent the complaint below, but would like to say that Navient is horrible ... .always. I can rarely understand the representatives, email response is slow and reflects little to no attention to the actual complaint/query. They make a fortune. Why ca n't we have decent service?!!! 
Here is my complaint to them : I received a shocking reply to my email and have looked at how you posted my payment with special instructions. I see you included a late fee. PLEASE REMOVE. I had already made the payment for the month, on time, and it registered a couple days earlier. This was to be applied to the PRINCIPAL, as I have been told we can do. The interest for the month was also made in the payment $ XXXX monthly payment made a couple days earlier. Either your processing personnel are inept or you are employing predatory practices. I should be able to pay on my principal. Anything else is usury, as well as false advertising on your part. PLEASE AMEND THE SPECIAL INSTRUCTION PAYMENT IMMEDIATELY.
PLEASE HAVE EQUIFAX RE-INSE RT TWO CRED IT ACCOUNTS RE-INSERTED BACK ONTO MY CREDIT REPORTS, AS PER CREDIT FURNISHERS REQUEST.     RE-INSERT :     XXXX   XXXX    AUTO LOA N NO . XXXX -DEL ETED FROM CONFIRMATION NO.   XXXX    DATE D   XXXX ,  2014 IN  ERROR AND   XXXX   XXXX   XXXX    XXXX  DELETED FROM CONFIRMATION NO.  XXXX   DATED   XX/XX/2014 .      THANK YOU
Experian is refusing to investigate an account. They claim the account was verified in XX/XX/XXXX but according to my report, the account did not even begin reporting until XXXX. The dispute is in regards to child support that was reported as late but was not late. Child support enforcement misapplied payments to the wrong account but the account never went to collections like the Experian report claims. Child support enforcement states I must dispute with Experian to get the account corrected since it is a closed account.
The university XXXX XXXX financial advisor did not tell me this was going to be an unsubsidized student loan. There was no explanation other than a lie which was told to me there were no other fundings available to me. This was the only unsubsidized student loan that was taken out against me all the others were federally subsidized student loans. So this financial advisor lied to me in order for me to have a subsidized private loan
I received a late report on my credit, I contacted the company Santander consumer USA they indicated that I cosign for my sons car which I did and he was rejected. 
Then I requested copy of the contract which I received on XX/XX/2018 I reviewed and my signature is not my. So I ask to speak to the fraud department and the have send me a form to fill. 

I never received notices that my son was late on payments I would had a conversation with him, I believe that XXXX XXXX falsified my signature and that is fraud. 
I have a E-Mail send by my son to describe what happen.
Dear Sir/Madam, After changing my address at USPS, Suntrust Bank sent a notice that my mail address has changed. I have never had an account with Suntrust! After calling them, they said I have a loan account with 0 balance. 
They created a fake account under my name for their purposes I am thinking like XXXX XXXX did. 

Please have an inquiry on this matter
Continuing case from case XXXX. Now I have a police report of all my a ccounts. You guys put me in XXXX XXXX. Ill get my money back but bank of America put a false claim in to XXXX XXXX. You guys put me in there. You guys get me out. XXXX That I lost. Remove me from XXXX XXXX.
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
One main financial has been repeatedly harassing me. They have repeatedly called me at work after myself and my boss notified them I can not re have personal calls during business hours. It got to the point where my boss has to have a conversation with me about them harassing and calling everyday. They have interrupted my day numerously. They have threatened to sue me and garnish my wages. The representatives were never pleasant or positive. I have talked to them several times making them aware of my decreased financial income. I was in a car accident t in XX/XX/XXXX and a horrific life changing auto accident end of XX/XX/XXXX.
A company named XXXX XXXX  has my credit score information and is giving out my information. I have had a freeze on my credit for two and a half years due to the theft of all my personal information. I've never heard of this company and I've never been in contact with them till I tried to call them and I got a recording.
During the time of the missed payment, I was going through financial hardship and I could not make my payments to this card.
To Whom it May Concern : I am writing to make it be known that both Experian and XXXX have both continued to engage in unlawful reporting of inaccurate information on my credit report. I have sent both bureaus detailed letters this past XX/XX/XXXX and XX/XX/XXXX, advising them of stipulations under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) for continuing to willfully and negligently fail to comply with obligations  to furnish me with copies of original creditor 's documentation that are grossly reported inaccurately on their respective reports -- affecting my rights as a consumer to have fair access to credit. 

I have demanded on two reasonably spaced occasions that such documentation be provided to justify their default findings that accounts have been " verified '', but have not been met with any due diligence to ensure that the items being reported are indeed, factually tied to me and that I was the individual who initiated that opening of such accounts.The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. 


I am beyond frustrated and exhausted on all fronts in what truly feels as an endless, futile pursuit of justice for what the FCRA protects me from.
Equifax is Reporting a Bankruptcy which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. Equifax pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to XXXX
Contacted by IC System ( XXXX XXXX, MN ) XX/XX/XXXX to resolve a 2 year old medical debt. The representative was unable to provide any documentation other than a service date and provider. I requested a written response to dispute. It was never provided. After weekly calls for 2 months I asked IC Systems to not contact me further until it was provided. XX/XX/XXXX calls resumed with the representative informing me that they were filing a negative credit report. I paid over the phone to avoid the hassle that would ensue. The amount was not large but it still felt like extortion without recourse.
I was in the hospital overnight for a accident. We have received many bills and have setup payment methods through the hospital for bills and making all payments as agreed upon. The date of service for the hospital was XXXX XXXX, XXXX. 

We just relieved a collection notice on XXXX/XXXX/XXXX that we have n't paid a bill. The company is Transworld System Inc., XXXX XXXX XXXX, XXXX PA XXXX. We called the company and spoke to a XXXX and he could not tell us anything other the amount we owe, The hospital name and the date of service. He could n't tell us anything else. XXXX also hung up on us that 's how the conversation ended.
On XX/XX/2018 I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect, and it's reporting on my credit report with multiple inaccuracies. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.
FMS Investment Corp re cently reported a {$6000.00} collection account on my credit report. Prior to the appearance of this account, I was not provided with a notice of this supposed debt, and given a chance to even contest it. Since I was not provided notice of this supposed debt and given a chance to dispute it, I requested that FMS delete this account from my credit report.