WillisBack/dataset-financial-user-claim huggingface dataset:
We saw the new home and signed contract on XX/XX/2018 with our XXXX Sales Rep. 
We brought our own financing, and was going to use them, until XXXX said if we use their " preferred '' lender, we could save the title policy fee, in the amount of $ 3200+ dollars. 
We opted to use XXXX XXXX XXXX ( XXXX  preferred lender ) because our Senior Loan officer said he could meet and beat our current financing that we brought, and to save on the title policy. This was a huge mistake, and headache from day 2. 
That Tuesday, the XX/XX/2018 someone at XXXX XXXX office sent our confidential info to our current potential mortgage co, contract and all, essentially ending that relationship, should the XXXX XXXX XXXX fall through. Someone from XXXX  also told our current mortgage lender, verbally, that we were using a different lender. Our existing finance co emailed us of the disclosure, and said they were shutting down our request for financing. 

XXXX XXXX did not answer specific questions about buying down points. We told everyone we were buying down points to the floor ( Sales Rep, Sr Loan officer, Loan Officer Associate, to ensure we could sustain our mortgage, and investment. Despite multiple attempts to get info on the phone, and mainly email. Both contacts skirted our particular questions about buying down points, and the APR over a period of 30 day close process. Our Sr Loan Officer did NOT lock in our rate, and the Fed jumped, causing our " new '' rate to be higher. Despite being told he would meet and beat our rate, and lock in our rate. 
When I reached out the day of closing, yet again, asking about buying down points, to the floor, and asking who I make the check out to, and what type of payment was preferred, I was told, if we did, that it would delay closing and have to go back to underwriting delaying our close, which in turn caused a chain of events to unfold. This scared us as consumers, because researching XXXX and XXXX XXXX yielded info that both keep money of customers, if something falls through. We felt trapped either way. ( I was also told by our Sr Loan Officer, that noone keeps their original mortgage, and that we should just REFI in  less than 6 months, this ticked me off pretty bad. I don't think our rep can predict our current economic climate, and should not be advising people to take a bad mortgage note, just to refi later. This is how the big bust happened about 10 years ago. ) The service first issues, will cost us money every month, for the life of the mortgage, over 360 payments, 30 years. I would really like this addressed. We were under duress, and told by a few, that we could potentially be in breach of contract if we delay. I have spoke to other homeowners, who faced a very similar situation as us with XXXX XXXX XXXX here in our community. We have all of this in writing, and the files are extensive, over 100 emails.
There is a collection amount of {$250.00} on my Consumer Credit Report of which I have NO knowledge of its origins. The amount is reported twice from two different agencies with separate dates : 1st Report : XXXX XXXX Date Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Account Balance : {$250.00} ( XXXX ) 2nd Report : XXXX XXXX  Date Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Account Balance : {$250.00} ( XXXX ) I am an XXXX XXXX  ( XXXX XXXX  ) service member and I was stationed in XXXX, XXXX when these erroneous account ( s ) were created. I did not have an account with either company during this time. This appears to be a fraudulent account. Prior to those dates I was forward XXXX  in support of XXXX XXXX XXXX in the XXXX XXXX. So I can not comprehend how this is shown up on my credit report. Thank you in advance for your assistance with this matter.
Re : Inte grated Recovery Services On  XXXX / XXXX /  XXXX   I received  a call & voicemail f rom a  XXXX  stating that I had a case in their office ( did n't specify what kind of case ) and said that in order to not be served  by constable I  needed to contact the office. When I returned the call a woman answered and said that my phone number was associated with an account in their office under  XXXX   XXXX  which I confirmed that I was the person calling. Prior to letting me know that it was an attempt to collect a debt or even mentioning anything about what it was regarding, she asked me to verify my social security number. I then explained that I did not want to confirm my social security without knowing what this case was regarding. She then started yelling at me and stating that I had an attitude with her, which I did n't, and said that if I did n't confirm my information, she could not speak with me and would notify the company "   XXXX   XXXX   XXXX   '' that I had admitted to stealing the money so that I could be served with paper work, however, those words never came out of my mouth as I did not know what the case was even regarding, she then hung up and said that she did n't have time. I then called back thinking that another person would speak with someone else and again she answered and said that she did n't have time to speak with me, I mentioned that I had never said that statement and wanted to know why an employee from this supposed company was speaking to me in the way that she was and yelling at me. She responded that it was because I was not being an " adult '' and did n't want to confirm my confidential demographics and again said that she did not have time and hung on me for the second time. I called again an asked for her name which she said her name was "  XXXX  ''  ( u nsure if it was legitimate ) and said that I could do whatever I wanted and again hung up. The only reason that I called was to find out more information on what it was regarding prior to confirming my social security and again, they never mentioned that they were calling from a debt collector. I did not appreciate how this woman spoke to me as she was super unprofessional and it is not a way to settle an agreement. Also, not to mention, I have yet to receive ANY correspondence from them regarding this matter. All I received was a phone call earlier today during work hours. If indeed I have an account in their office, I do not know why an employee would threaten to tell another company something that I never said. If harassment is their why of intimidating people, it 's not the key.
I have disputed a XXXX XXXX credit card a few times with all XXXX credit bureau and all XXXX claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do.
Earlier this year I decided to open a bank account with Bank of America for my business. After opening a checking account I was told I could immediately start using the account for my business needs. After I started using the account everything seemed to be fine, if you weeks later I had a client purchase merchandise from me in which she paid for with a personal check. I had taken checks from this same client for years before so I did not think there would be anything wrong with the personal check. once I receive the check from my XXXX I deposit it in to my business checking account at Bank of America. A few days later Bank of America notified me that The check that I had to posit it was no good and they were going to close my account because it was so new. They also informed me that the funds that were in my Account at the time would be mailed to me in XXXX to 10 business days. After receiving my refund in the mail from Bank of America I deposited it into my personal account I have with my XXXX. About a month later I try to go open a business checking account at XXXX Bank and was told that I had a fraud reporting on my XXXX Report. After going through the extensive hassle of getting my XXXX report from XXXX they informed me that Bank of America had reported fraud on my account. I try to dispute the incorrect reporting information with XXXX but they informed me that only Bank of America would be able to change the information so I contacted Bank of America risk department and explain the situation they then told me they were not going to investigate the matter and that I would have to wait seven years in order for the incorrect information to fall off of my XXXX report. Not only is it unethical but it is also extremely unfair for Bank of America to abuse their abilities and calls me hardship. Not only is this deformation of character with my business but it is also preventing me from different business opportunities.
My account at Macy 's was closed without my knowledge, Macy 's also sent my account to an outside collection agency without providing anything to me in writing. When I contacted Macy 's to ask why I was told that because of my filing a chapter XXXX to save a property from foreclosure, Macy 's automatically closes the account, When I asked why my account which was not delinquent was sent out I was told that was the policy, I asked to be pointed to where Macy 's had these disclosures in writing? I was told that I could not speak to anyone else by XXXX XXXX and that was they way it was to call back. In reviewing the Rosenthal Act, Macy 's had a duty to notify me writing of their intentions furthermore, to send my account to a collection agency which will report to the bureaus and further damage my credit is illegal.
I have an unauthorized credit inquiry on my XXXX from Pentagon Federal Credit Union dated XX/XX/2017 that I did not authorize.
We have received no correspondence or notice from Nationstar Mortgage , LLC as of XX/XX/2017 that our mortgage was transferred from XXXX XXXX XXXX. XXXX sent us a letter that Nationstar will start accepting payments on XX/XX/2017. We contacted Nationastar customer service and they indicated that welcome packages are delayed. Currently we have nowhere to send our payments.
XXXX is violating section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A )
In regards to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I filed for a late payment verification over the phone and thru certified mail. Both times came back as verified accurate. When I made on time payments and never missed but XXXX XXXX XXXX continues to report inaccurately, I 've asked them to show me proof and validate there late payment claim, when I paid on time and there 's no records. When I have asked to see - they have never shown me. I 'm so upset that I know no other remedy but to file a complaint about this situation, apparently they had a system glitch around that time or human error was made on there part and they will not remove the late payment
I attended XXXX XXXX XXXX, XXXX. I completed the work however due to lack of help from teachers I do not feel like I have enough knowledge to use my degree for a better job. Of the jobs that I have found, I am not considered due to the fact the XXXX XXXX has a bad reputation and my degree is basically worthless. As far the lending services which was Genesis Lending Services, they made me pay while attending school. The private loan was not needed for me to attend school, as i found out later that the school had taken out more in federal loans than what was needed. The private loan company also knew that the school was doing this and went along beside them. This loan was not needed and I feel that I should not have to pay them anymore and should receive my money back. Seeing as I have 36,000 + in federal for a two year degree because of the school already. Since, all of this has become knowledge I have contacted Genesis Lending Services and they will not give me any information that I will be forgiven or the option to stop paying. Now, I only had XXXX forbearance left that I still have to pay {$60.00} for 6 months and then {$120.00} and then {$210.00} which is getting rough considering I still do not have a job in the XXXX and still working as a XXXX making small money.
I called to inquire about getting a Home Equity Line of Credit from bank of the west. My loan officer XXXX XXXX NMLSXXXX misquoted and mislead me into thinking I could borrow 80 percent LTV on my investment property HELOC. That was more than any other institution I had called. I decided to proceed with the application based on the 80 percent LTV. However after my credit score had been pulled he stated that the bank was in fact unable to loan that amount on my home based on the fact that it was an investment property. He changed the LTV from 80 percent to 65 percent which was an identical amount to every other bank I had shopped at. He mislead me and pulled my credit score under false pretenses and then had no solution to the problem. He even asked if I would like to continue with the loan
I opened an account with XXXX 's ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX and explained the problem. They accepted payment for {$350.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$610.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$280.00}.
I got my loan through Sallie Mae, it was then bought by Navient. I paid my loans out. I received a letter saying it was paid. Done. Then two years later, Navient sent me two letters saying I still owe {$500.00} after interest. I paid my loan off. Now theyre claiming I still owe.
I was a victim of identity theft and someone unknown to me opened this loan without my knowledge. As soon as I was aware I tried to reach out to them but they would hang up on me or refused to work with me. I then reached out to the credit bureaus and they instructed me to open up a police report to document the identity theft and to submit in writing to the credit bureaus so they could conduct an investigation. I've now disputed this fraudulent account 3 times and Experian is the only one who will still not remove the fraudulent account. Experian has all my documents which are a FTC report AND a police report and they still will not remove the account, it's really hurting my score and I'd like to get a house really soon, please help me. ( I can provide the police report and ftc if needed, but Experian has all these documents already )
i call the credit burea u  XX/2016  and  spoken will with upper management i ask about my report i was told their was only just  XXXX  item on my report and i pull my self the only item that was listed on report was a fed loan no public record or anything else all this inaccurate was remove from my file and i check again so month later these things reappear by law sectio n 6-11 of the  fair credit reporting act if item has been remove from credit reporting you must receive a letter within 5 days notification if item would be replace back on report here is item that was remove  XXXX   XXXX   XXXX , Tn Fed Bankrupt, Tn Fed Bankrupt, Tn Fed Bankrupt these  XXXX  was in public record, Mississippi Div
I had several hard inquires on my account. They were on the XXXX XXXX, XXXX. I did authorize XXXX credit inquiry but the rest of them are fraudulent. 

They are from the following agencies. 

XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Ally XXXX I XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Wells Fargo failed to produce the XX/XX/XXXX DENIAL LETTER for a re-finance application. 

On XX/XX/XXXX, Wells Fargo mailed me an incomplete submittal of information that explained how they dealt with an improper HOA lien filed against my property yet failed to inform as to why my application was denied. Resolution on account number : XXXX, VA home loan. 

Today, XX/XX/XXXX, the Wells Fargo loan servicing department admitted this submittal did not contain the denial letter yet continued to declare it was " lost '' and was no where to be found. It can not be retrieved and WF is unwilling to replicate this denial letter. 

Former Wells Fargo loan officer that handled this transaction was XXXX XXXX, Vice President I Loan Officer NMLS # XXXX Office ( XXXX ) XXXX Cell ( XXXX ) XXXX | F : ( XXXX ) XXXX | XXXX XXXX I authorized communications for my attorney to be included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Ph : XXXX Fax : XXXX Email : XXXX Web : XXXX Disclaimer This e-mail is intended to constitute an electronic communication within the meaning of the Electronic Communications Act, 18 U.S.C. 2510. This communication may contain confidential, proprietary, or legally privileged information and is transmitted for the sole viewing and use of the intended recipient. Any review or distribution to other recipients is not permitted and does not waive the confidential or privileged nature of the communication. If you receive this message in error, please immediately delete it and notify the sender.
Navient since it has changed to XXXX has been nothing but a customer service nightmare personally. I have tried to work with this company several times within the last 4 years. I have called to set up payment plans, discuss low income options, and also deferment options. All options were declined. They only gave me XXXX options to settle. XXXX of which was to pay the total bill in full which is XXXX. The second option was to have monthly payments but to put down XXXX grand to start the payment plan. I could not afford either option. I was willing to work with them. However, they were not willing to work with me. Since then, I have been working with a nonprofit Obama program ( for federal ) and a Bank ( for private ) program that is going to consolidate my loans for me so I would not have to deal with Navient. Today, however XXXX XXXX called me, at my place of employment. I have told Navient several times not to call me there and they still continue to disregard and disrespect my requests. He argued with me about my bill, he was trying to talk over me, and when I told him that I was working with another agency because Navient would n't work with me, he stated that no other program could help me because it is a private loan. Side note : There are plenty of agencies and banks willing to reconsolidate student loans. For example, XXXX Bank consolidates private and federal loans into one. I feel like he was trying to persuade me otherwise. He told me he is calling to collect a debt ( as a debt collector ) because the bill had been transferred to a collections department. He told me that he could " work '' with me and started fishing for information. Does Navient have their own collections agency? I told him several times that I was at work. I told him I can not talk due to the nature of my job. He insisted on getting more information. I told him an accessible time he could call me and he told me that he could n't because he does n't work at that time. I requested for him to assign me to someone else who could work with me at a time that is convenient and he ignored me. Again, the company is not working with me. He wanted the names and numbers of the agencies that I was working with. Is that not totally and completely unprofessional? And why would a business who already has their own privacy policy expect to get any other information from another business that has their own privacy policy. I believe their practices have n't changed since they changed their name from " XXXX '' and neither has their ethics. I offered to make a payment plan. It was declined. I asked to have another option, maybe a deferment or a low income status, it was declined. When I specifically asked them not to call my place of employment, the ignored the request and representative XXXX did it anyway, expressing there was no memo ( Even though I know there was XXXX ). All the representatives that I have spoken to along with XXXX XXXX from Navient ( XXXX ) were rude, inconsiderate, and unprofessional.
On XXXX XXXX, 2017 I discovered Bridgecrest Credit Company , LLC had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to the FCRA. I did not receive any such notification.
JUST RECENTLY XXXX XXXX XXXX ( ON BEHALF NATIONAL CREDIT SYSTEMS ) FILED A WAGE GARNISHEDMENT, ON A DEBT THAT WAS OVER 1O YEARS OLD. I WAS IMPROPERLY NOTIFIED, AND WASN'T ABLE TO DEFEND MYSELF IN COURT TILL IT WAS TOO LATE.

PRIOR TO THEM FILLING THE WAGE GARNISHMENT, THEY ALREADY RECIEVED {$3100.00} ; WHICH WAS THE PRINCIPAL OF THE DEBT. HOWEVER, NOW THEY ARE COMING AFTER ME FOR MORE MONEY.
I am writing to dispute a billing error in the amount of {$1600.00} on my account. Your company claims that payments that were due for the months of  XX/XX/XXXX and  XX/XX/XXXX  were unpaid. Collection fees were then added, which resulted in this disputed total. The amount is inaccurate because payments were, in fact, made for both of the aforementioned billing cycles.  <P/> This is a store credit card for Guitar Center. The account was owned by  XXXX   XXXX , from the time we opened the account on  XX/XX/XXXX  until it was transferred over to Synchrony in  XX/XX/XXXX . Payments were consistently made on time every month, even after Synchrony took over the account.  <P/> In  XX/XX/XXXX , I was contacted by Synchrony and told that my payment had not been received. After looking at my bank statement, I confirmed that the payment was received and taken out of my bank account for the same credit card account number that had been drafting my payments, even after  Synchrony had taken over the account. When I told a supervisor at Synchrony that I had proof of   payment, he told me to just pay it again, along with the late fees to make my account current. When I declined, I was told to check back the following week to see if they found the payment.  <P/> I called the following week, and a supervisor told me to fax proof of payment. I faxed proof on  XX/XX/XXXX . When I called to make sure it was received, I was told it was not. I called again the following month, and was told to fax it again, this time to  XXXX  different numbers. I faxed those on  XX/XX/XXXX , and was told once again that no one received my faxes. Frustrated with the fees that were accumulating and my fear that my payments would never be received, I asked if I could settle and pay off the account. I was told that I could not do this until my account was turned over to Synchronys collections department in 30 days. When I contacted them in 30 days, the debt had been sold to an outside collection agency that will not allow me to settle the debt without paying these unjust fees, and this false delinquency has been added to my credit report.
Dear to whom it may concern.

It is extremely difficult to reach anyone by phone and dispute a charge with PayPal.

We have tried since XX/XX/XXXX to resolve this.

Eg.

Dear Paypal.

We have Tried to call you months ago.

We also disputed moviepass as they have never honored their unlimited movie offer.

We also wrote to Paypal.

Where is the open case that we opened 5 months ago?

If Paypal doesn't handle disputes correctly We Will have no choice but to complain to the state regulator and Cfpb.

As requested 5 months ago please Credit our account the {$89.00}.

Please pass on to management as we have never received acknowledgement.

Or a pH. Call.

Or a letter from PayPal. 
Thank you.
XXXX, a " representative '' of the CBE group wanted to collect {$2000.00} dollars on behalf of XXXX XXXX XXXX I 've never used XXXX XXXX XXXX. She also mentioned I had been in collection for 5 days. The phone number she called from was XXXX. She also knew my home address and last 4 of my social security.