WillisBack/dataset-financial-user-claim huggingface dataset:
I began two loan applications on XXXX XXXX, 2017 with XXXX XXXX XXXX located in XXXX, CA. One loan application was a purchase of a new property and the other was a refinance of an existing property. XXXX XXXX was my initial loan officer and everything proceeded smoothly until the file was sent to Underwriting on XXXX XXXX, 2017. I was told on numerous occasions that everything was 'in order ' and moving toward funding as scheduled, as I had provided all necessary documentation to the lender promptly and accurately during the review process. The lender was well aware of my scheduled Close of Escrow date of XXXX XXXX, 2017 and I was assured that nothing else was needed and that both loans would close simultaneously on, or before the scheduled COE date. A week before close of escrow, on XXXX XXXX, 2017, XXXX assured me that both loans were being Approved and closing on time. On XXXX XXXX, 2017 XXXX called me to inform me that the appraisal was 'waived ' in error by the lender for the refinance application and they were scrambling to have the refinance property appraised. I received an email for both the Processing Manager, XXXX XXXX, and the Director of Customer Service, XXXX XXXX, that they had made mistakes and that the loan process for both applications were delayed. On XXXX XXXX, 2017 I received an email from XXXX XXXX that they were making an 'exception ' and waiving the appraisal, the same appraisal that was supposedly delaying my loan to begin with. I am now 7 weeks into my loan applications and have yet to receive any decision on either loan, despite the verbal assurances that I would be approved. Not only are they in clear violation of Regulation B, but I have had to appease a furious Seller and negotiate a $ XXXX/day fine for every day that my purchase loan does not close. Now, I am in jeopardy of losing this property due to flagrant negligence and missteps by XXXX XXXX XXXX. Please HELP me save this property!
I was victim of a " bait and switch '' scheme by LSI mortgage. They provided a GFE offering a 3.75 % rate for thirty years, two days before the closing date the rate was hiked to 4.875 %. 
Upon declining those terms I was harassed by one of their loan originators, XXXX XXXX, who at one point addressed me as uneducated, and even used xenophobe terms ( XXXX ). 
I have all the communications to back this claims.
Sunday Morning ( XX/XX/17 ) I went to deposit my money into the local ATM at Bank of Texas at XXXX XXXX XXXX. I do not have an account with Bank of Texas, but the ATM is partnered with my online XXXX bank account. The ATM malfunctioned and took all of my money. I lost {$1000.00} in that machine. XXXX wo n't help because they said there 's no transaction/deposit/withdraw to dispute bc the ATM did n't finish the transaction. Bank of Texas wo n't help because I 'm not a customer there. My money is there. No one will help me. Please help me bring awareness to this. I 'm desperate for my hard earned money back. I also have a error receipt stating the machine malfunctioned attached.
On XXXX XXXX an additional principal payment in the amount of {$3000.00} was sent to my lender, Ditech along with my regular payment. It was misapplied to escrow. I have repeatedly called ( XX/XX/XXXX, XX/XX/XXXX ) and submitted correction requests ( XX/XX/XXXX, XX/XX/XXXX ) through their online but can not get this corrected. I received email responses from my online requests that said someone would contact me but no one did! On XX/XX/XXXX I spoke to a supervisor who assured me it would be fixed on XX/XX/XXXX. I have checked online since then and no correction was made. This affects my interest amount and I am reluctant to send another additional principal payment until this is corrected.
I obtained a Modification Approval from my Mortgage Company, PennyMac Mortgage which was supposed to give me a 2 month payment hiatus and a reduced mortgage payment. 
I was told this Modification would be reported to the Credit Bureaus as my making partial payments. This never happened. Instead, my original mortgage payments were reported as very delinquent over the course of the Modification. The XXXX page Modification Approval I received advised me on the first page that I was only to make my new modified payments during the Modification. The XXXX page, which I did not look at until recently, told me that I in fact, I had to make my regular payments as well as my modified payments to avoid Delinquency Reporting during the Modification period. This entire transaction was misrepresented to me at the beginning and during the Modification period.
on XXXX XXXX, 2016 I called the credit bureau and they would not removed the information that is not correct. I try to do the transaction online, but they keep telling me to call.I explain that the information was wrong and that some name and address was not accurate.
XXXX has been non-compliant with removing the unverified account CHASE AUTO which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that CHASE AUTO was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I filed a complaint with cfpb months ago to have a scam from a company XXXX XXXX   frauding a charge on my experian credit report. Cfpb removed the remark from my credit. But experian has again added the negative item to my credit score since XX/XX/2018.
Equifax allowed my personal information ( name, SSN, address, driver 's license number ) to be released in a data breach.
This account has been in dispute with equifax and XXXX came back with the information verified, which it is not correct. Please review the information below. This entire account should have been removed, it came back verified from equifax so I redisputedit. It came back verified with XXXX. 


Equifax TransUnion Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type Education Loan Student Account Status Closed Closed - Transferred Opened Date XXXX, XXXX XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX XXXX XXXX, XXXX Limit -- -- Term -- -- Monthly Payment {$140.00} {$140.00} Responsibility Individual Account. 
Individual Balance {$0.00} {$0.00} Highest Balance {$14000.00} {$14000.00} Payment Status Current Current Worst Payment Status -- Late 120 Days Date of Last Payment -- -- Amount Past Due -- $ XXXX Times 30/60/90 Days Late XXXX/XXXX/XXXX XXXX/XXXX/XXXX Remarks Consumer disputes - reinvestigation in progress Transfer
I want to make you aware of the VISA and MC " VAU '' Visa Account Updater and for Master Card, The Automatic Billing Updater or " ABU '' Programs. These are Programs whereby if you report your card lost or stolen, issuers of credit cards automatically issue your new credit card number to merchants that request it when you have a monthly billing or " continuity '' subscription with that merchant. They do this without asking or notifying you. They are in essence giving your number to a third party without your consent. In my situation, a fraudulent billing account was set with an online Merchant named XXXX. I was unable to get any redress from the Merchant as I did not create the account and could not provide them an account name or number to cancel. It was set up fraudulently. I called my card issuer ( BofA ) and they canceled the account and issued a new card. A month later the same charge showed up on the new card. BofA again cancelled the card and issued a new one. Its now 3 months laster, I am on my XXXX card and again the merchant charged my card without any contact from me. Someone is providing them the new card number to continue billing me erroneously. The problem lies in the fact that VISA, MC and all major banks like BofA have this program that provides the merchant the new card number to ensure a smooth transition to KEEP BILLING THE CONSUMER even after they have filed a fraud report. I find it incredible that BofA Fraud department keeps taking my fraud report, changing my card but VISA keeps giving out the new card number to the merchant without my approval. I am stuck in a never ending cycle of fraud, perpetrated by the bank and VISA and my only recourse is to cancel my relationship with the bank. 
This is a Bad financial policy. I urge the CFPB to investigate the financial industry giving out personal financial info without my consent.
trying to get my credit score. they are asking me questions to verify my identity. but i can not answer their questions about my current mortgage and credit cards because i do not know anything about them. someone has stolen my identity and is using my credit, but i ca n't get a copy of my credit report to find out what is going on.
I inver recvd notification of the debt or a right to dispute the debit. Once I found out about it I paid the debt.
I work for a XXXX. I received an message from a XXXX with the same name, but not my office, that they had received a call for me and sent me the voicemail. I promptly called back, and verified my information with the company. They proceeded to tell me that this was a debt collection call. I have informed them multiple times to not contact me at work. They have my address, my cell phone, my spouses cell phone, and my home phone number on file.
I sent a goodwill request. The request outlined the details on my current loan status. I have completely paid off one of the loans and the trade line is still in my report. 

The other loan I have 4 remaining payments on the settlement given to me. Which I plan to pay off. 

I have yet to get a resolution. 


The company has gotten their money the loans are 10 years old. I do n't see the continued need for the ( Charge off paid in settlement ) status to remain on my report.
I am behind on my house payments and need help saving my home from foreclosure. I reached out to Nationstar and have provided them with the paperwork they requested to review me for a modification but I have a sale date scheduled on XXXX/XXXX/16. They are now telling me there is not enough time to finish the review and that my home may go to foreclosure. Please help in any way possible.
I received a phone call from a XXXX XXXX at Rent Recovery Solutions on XXXX XXXX, 2015. They claimed that I owed their client XXXX XXXX XXXX XXXX apartments in XXXX, AL XXXX {$50.00} from over a year ago and that this unpaid balance had gone into collection. I explained to XXXX XXXX that I paid this balance when I moved out. I also faxed Rent Recovery Solutions a credit card statement proving that I paid this balance to the XXXX. I called XXXX XXXX back after sending the fax and she said she would take a look at it and contact the XXXX. She said that she would contact me again if there were any problems or if any other information was needed from me. I made it very clear to her that this debt is false and that I DO NOT want this on my credit report. I made it very clear to her to CALL ME if this error was not resolved. I never received a phone call back so I assumed this was taken care of. Well I just checked my credit report today ( XXXX XXXX, 2015 ) and of course this collection is now on my credit reports, drastically reducing my scores. I have called Rent Recovery and keep getting sent to voice mails and transferred around. They KNOWINGLY reported this FALSE debt on my report, even after I sent them information proving it was paid.
Received an alert that a credit inquiry was placed on my XXXX credit report. XXXX told me to contact the company. XXXX the company & called the numbers that I found through the google search but none of them were for the agency on my credit report. Ive never heard of this company & did not authorize a credit pull.
On XX/XX/2018 I cancelled my account with XXXX with transaction XXXX. I received verbal confirmation of the refund of {$140.00} on XX/XX/2018 and email confirmation on XX/XX/2018 from XXXX. The non-authorized transaction went through XXXX and was withdrawn from my Wells Fargo checking account XXXX on XX/XX/XXXX. This payment was never authorized. My XXXX account and my Wells Fargo account is not currently even listed on XXXX as a payment method and has not been for at least a year. XXXX confirmed the transaction went through XXXX and should have posted to my XXXX account but XXXX does not even have the transaction listed, and as XXXX is claiming can not be disputed without a transaction number. Wells Fargo claims that since the Payment was posted they can not reverse the charge even though XXXX claims they gave me the refund the same day on XX/XX/XXXX. After speaking with all of the parties involved, this appears to me as obviously fraudulent activity by Wells Fargo.
I have received numerous calls from this company and have submitted XXXX separate complaints prior to this one. On XXXX they called my brother, sister, wife, sister in law and nephew. They keep leaving recorded messages for me on my nephews voice mail. In the call to my sister on XX/XX/2016 they said they were calling from XXXX and said that I listed her as a contact person and that she does n't know but it may be a timing issue and that she needs her to verify some information and told my sister my address. My sister asked her to email her a copy where I put her down as a contact person. The woman said she 'll just put down that I falsified information. 

Firstly, I have never given this company or this person prior express consent. 

Second, they threatened legal action in an attempt to intimidate in a call to the cell phone of my mother in law. 

Thirdly, they disclosed the last XXXX digits of my social security # in a voice mail in a call placed to my mother in law. 

Fourthly, they placed a call using automated telephone equipment or an artificial or prerecorded voice to my cell phone as well as the cell phones of my mother in law, sister in law, brother, sister, nephew and wife. 

Fifthly, they disclosed my address to my sister. 

This company is menacing, threatening, stalking and harassing me and my family.
XXXX XXXX XXXX changed my address to my address to a Kentucky address I live in Arkansas they sent me a letter said they was changing my address I called them XXXX XXXX in formed them I did nod change my address then I got another letter yesterday said they was closing my account so I called them XXXX XXXX they wanted my checking account no I gave it to them they hung up on me my bal was {$350.00} now they say my bal is & XXXX XXXX XXXX I made a payment of {$100.00} to them my credit line is $ XXXX
I was a XXXX customer for a couple months and i agreed on an amount on a 2 year contract and that was XXXX dollars a month everytime i got my bill it was higher than the agreed on amount so i just kept paying my XXXX dollars and then late fees happened so i canceled the contract because they broke the contract agreement and submitted my account to multiple debt collectors and now its with XXXX that was already removed from my credit report.
I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

I have an Inquire from XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.
A payment was sent to Bank of America without my authorization and knowledge and a account was automatically generated. Because the payment would be further delayed if I chose not to use the account that I did not authorize, or even have knowledge of. I did not receive a check by mail and by then I did not have a choice but to use the account. 
The local child support enforcement who sent the payment to Bank of America has knowledge that I was expecting my payment by check but in fact, chose to go against my wishes and have a account opened without notifying me which also delayed payment to me. 

And to insult to Injury, the Bank continuously denied transactions when I used my bank card in the store which was embarrassing, the account had available funds. The reason I 'm told is because I swiped a card that was lost/closed out by mistake, but only because I had not discarded it ( no scissors handy ). Because I swiped this card that had been closed out a year or more ago they ( Bank of America ) blocked transactions for the ACTIVE account, at their discretion meaning Bank of America reported fraud on the active account because I swiped the closed out card by mistake that is NOT even tied to the active account.
On XX/XX/XXXX I sent a letter to XXXX XXXX and to Credit Collection Services demanding the following information from both companies : 1. Original, signed contract and/or promissory note with my signature ; 2. Copies of documented proof that Credit Collection Service is lawfully entitled to conduct the business of debt collection in the State of Alabama from XX/XX/XXXX to  present ; 3. The entire account number of the alleged delinquent account ; 4. Proof of documentation used to support the statement " meets FCRA requirements '' as stated on my credit report ; 5. The name ( s ) of the person ( s ) who authorized to place " meets FCRA requirements '' on my credit report ; 6. Documentation used to support their validation and verification of the alleged account ; 7. Name ( s ) and telephone number ( s ) of the person ( s ) in their company who had 1st hand personal knowledge who was to verify and validate the alleged account.

The only response I have received as of XX/XX/XXXX was from Credit Collection Service with an attached copy of an invoice/bill which lacked any signatures of whatsoever nature. No signed contract and/or promissory note was included nor any other demands from the aforementioned list. The alleged delinquent account still remains on my credit report. This is in clear violation of the Federal Credit Reporting Act.

I have documention letters but I am unable to attach it. I can forward to an email if you should provide one.
Dear CFPB Office of the Ombudsman : My student loan servicer NELNET who services federal student loans to the credit agencies XXXX, XXXX XXXX, XXXX may have violated the Fair Credit Reporting Act and other credit reporting laws. 

There is reason to believe that the loans serviced by Nelnet where not properly serviced or reported based on the following occurrences. 

Reported Timeline ( historical ) data removed No data credit reporting Reported balances after consolidation XX/XX/XXXX Incorrect address reported ( XX/XX/XXXX ) I understand that any inaccuracy including material inaccuracies may be grounds for injury-in-fact and other harm. The data furnisher NELNET and the credit bureaus XXXX, XXXX XXXX and XXXX  blame the data furnisher for the reporting inaccuracies and or credit redactions. 

I am requesting an audit of the reporting history of fifteen federal student loan accounts held by Nelnet, and the three credit bureaus update their records according to the complete account history ; ( XXXX ), that includes all historical data, date opened, and historical timeline, and the loans are paid and consolidated. 

The loans have been consolidated XX/XX/XXXX to a different servicer. 

Customer service representatives at Nelnet said to me that disputing information to the credit bureau will cause credit score decreases because they will respond that the information was frivolous and accurate. This also indicated to me problems with the servicers dispute and resolution process and what procedures they use in cases of disputed accuracy and my rights under Federal law including the Fair Credit Reporting Act. 

I am asking the Ombudsman to investigate credit reporting activities by the servicer NELNET and audit of the credit reporting history from Nelnet. I have scanned copies of the credit report from XXXX to show the reported timeline. 

Sincerely, XXXX XXXX
Repeated phone calls from Portfolio Recovery to my cell phone. I have no outstanding debts that I should be contacted about. I sent a registered cease and desist letter to Portfolio Recovery per their associate that I had a conversation with.
y name is XXXX XXXX XXXX.I am XXXX citizen, password XXXX XXXX. I am here visiting USA us a tourist visa XXXX.I opened a check in account in Citi Bank ( # XXXX ). Then l opened a check in account in XXXX ( my account numbers I is XXXX ). Can you help me please to resolve my problem which is started : XXXX XXXX, 2019 I transfered {$16000.00} from my Citi Bank account to : Wire funds to XXXX XXXX XXXX XXXX, NY, Routing number XXXX, for credit to XXXX XXXX XXXX XXXX, account number XXXX, for the benefit of XXXX, Adress XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, SWIFT code XXXX. 
That account number in XXXX XXXX  is for XXXX XXXX, brokers company. 
During the transaction Citi Bank made two mistakes : 1. The first was the wrong account number, which was XXXX instead of XXXX. The following day, XXXX XXXX l went to XXXX XXXX  office. y account did not receive the electronic transfer from Citi Bank. Returned to Citi Bank and show them that the account was wrong. One of the employee s said the mistake was corrected and the funds transfered again. 
XX/XX/2019 went to brokers company XXXX XXXX office and my account did not show the transfer. gain returned to Citi bank to show them the incorrect spelling of my name. hey wrote XXXX instead of XXXX. 
XX/XX/2019 checked account in XXXX, only to find find no transfer received. Returned to Citi Bank and the employee stated that it will be resolved withim 2-10 business days. 
XX/XX/2019 returned and to Citi Bank because account did not show the transfer. 
Asked Citi Bank employee to assist with the transfer because I have only {$1000.00} with to live.I was told it will take another 5 business days to correct the mistake. 
XX/XX/2019 there are no fund in my money. It has been at least 10 days already. Your assistance is greatly appricated. 
XXXX XXXX XXXX
National credit systems has placed a negative on my credit reports, all XXXX and also on my spouse 's credit reports. They are not the originator of the account, the date of origination on the credit reports is XXXX, this is the date they bought the debt. I have requested debt validation many times, they ignore me and do not validate, I requested they remove it, they ignore me. Also the credit reporting agencies do the same. They have re aged the debt to when they bought it.
We have a loan for a vehicle that we have been attempting to make the payments on, and we continually receive calls, even after payments have been made. On XX/XX/XXXX, we made a payment of {$4000.00} of the {$12000.00} remaining balance. We had a past due balance of {$1000.00}, which would have been plenty to cover the past due amount. At XXXX XXXX on XXXX/XXXX/XXXX, I received a call from Fifth Third Bank employee stating she was calling regarding the past due amount. When I said she needed to check my account, as I made a payment last night, she stated that they can not check the accounts before the calls are made. She also stated that the only way to stop the calls would be to contact the bank when we make a payment, or make the payment early. I feel this harassment has to be checked into, as I feel that is not right nor fair to me to have to explain to the bank that I made a payment when they have access and can check their system before calling.