WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a XXXX with XXXX in XX/XX/2017. After I submitted the application I never heard back from them. I forgot about the application until one day I checked on my credit score and according to Equifax, there was a hard pull from XXXX on XX/XX/2017. I called Equifax and was told that I had to call XXXX  to remove the inquiry. I called XXXX  at least 3 times last year trying to resolve this problem. However, I got transferred to different departments every time and not a single person could find any record of me or the application. I am still confused what had happen on their end and would like the hard inquiry to be removed - or at least they should have told me if I got approved or not.
I have disputed with Transunion and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All XXXX bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Transunion make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Transunion or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file.
On Tuesday XXXX XXXX I receive an automatic email from Paypal saying that I have autorised a payment of {$100.00} to XXXX. I did not order anything at this XXXX, the organisation was unknown to me. I contacted XXXX and issued a fraud alert with Paypal. 

Fearing that my accounts had been hacked, I changed passwords on every account I could think of, including XXXX. XXXX then automatically takes you through some steps to check if everything is OK. XXXX XXXX an app that I possibly had not installed myself. It was a XXXX app, and indeed I had not installed it. 
I found out that it was impossible to notify XXXX in any way about the scam and the fact that my XXXX account was perhaps involved in this. There is *no* email address or contact form to be found. 

XXXX confirmed that the payment was made via a fraudulent account and directed me to Paypal. 

Paypal does not acknowlegde my claim. They state that the payment was done from the same location as the fraud report. Therefore, they conclude that there is not enough evidence to support my claim and charge me with the task of finding evidence. 
In all this, I have already pointed out to Paypal that my XXXX account had been tampered with ( I had different passwords for XXXX and PP ), informed them of this suspicious app and repeatedly asked how their statement compares to that of XXXX ( which does acknowledge a fraudulent account ). 

On all of my questions I just get a standard reply, Paypal does not address any of my questions. Neither do they explain how I am supposed to get evidence of a hack/fraud. 

It may very well be that the payment was done from my home. I work from home and had my computer on all morning and XXXX was open most of the time. But it is beyond me to find out, let alone prove, how this fraud was carried out. It seems to me that PP are the ones with the expertise to investigate these matters, not me.
In XXXX and XX/XX/2017 there was fraudulent activity on an account I cloned with my minor daughter. There were fraudulent checks being written and cashed a file was claimed with the bank the bank in essence denied the claim closed the account and is now taking funds from my personal checking and savings accounts. A police report has been filed claims have been filed and the bank continues to remove funds from my account. My account has been overdrawn I've been charged in NSF fees in addition to being left with negative balance and no money to live on. I have received no assistance from the bank they attempted to return some NSF fees and in turn they turn around and took them right back to recover the debt. The amount in question is {$3000.00} removed from my checking and savings account and an approximate amount of {$400.00} - {$450.00} in NSF fees that were charged to my account leaving me with a negative balance.
To whom it my concern My name is XXXX XXXX I am writing in to file a Complaint against XXXX XXXX XXXX XXXX XXXX XXXX a loan officer at PNC bank XXXX XXXX XXXX. XXXX FL XXXX. In XXXX I came in to the PNC bank to receive information on getting a mortgage loan I talk to XXXX XXXX he informed me of all the documents that I would need to provide him with. I then came back XXXX XXXX th and gave all the required documents that were need to start the process of my loan. On XXXX XXXX called XXXX left a message to contact me and never receive a call back. I came in to his office XXXX XXXX th to find out if my loan was in process or if I was approved at all. He informed me that my loan was approved ( lie # 1 ) and that all he was waiting on was for the appraisal office to contact him ( lie # 2 XXXX. I then waited till XXXX XXXX came and spoke to him at the office to find out what was going on with the appraisal office he then told me he was in contact with the appraisal office and that they needed the address to the property ( lie # 3 ) at that time I did not know the address but informed him I had the deed and which he said that would be fine and made copies and told me that the appraisal office would be in contact with me with in a couple of days .I waited till XXXX XXXX contacted XXXX by text message cause at this time had not heard anything. he replied that he would find out for me and then never replied back. I then went in to the office on XXXX. XXXX he told me that the appraisal office never contacted him ( lie # 4 XXXX. So he cancelled with that company and ordered a new one with another company ( lie # 5 XXXX. at this time I felt very uncomfortable and had the feeling I was being lied to I ask him what my loan number was and was given a false number ( lie # 6 ) and the date my application was put in which he told me XXXX XXXX. XXXX lie # 7 ) I later called PNC mortgage company on XXXX XXXX and was told that I was not in there system. And the loan number that I was given was not a number that they would use. On XXXX XXXX I called PNC mortgage and found out that a pre application had been put in on me from XXXX. On XXXX XXXX. On a property location that I do not own. The way I was treated was so uncalled for. The past XXXX weeks I have been lead to believe that I had a loan. That my financial need was cared for. XXXX XXXX knew how important this loan was to me and my family and to be discard as an unvalued customer this is very upsetting. To knowingly mislead someone and lie straight to my face on seven different occasion is disgraceful. My time is very valuable and he has wasted six weeks of it. He obviously does not follow the PNC code of ethics three being Customer Focus, Respect and Integrity to me XXXX XXXX has not upheld these qualities .and has tarnish the PNC name for me. 

I have never been treated in such an unethical unprofessional manner. At this time I deserve an explanation to why he needed to lie to me and an apology for his dishonesty. 


I hope to hear back from you about this incident soon. 
Thank you for taking the time to read my letter. 
Sincerely, XXXX XXXX
I called on XXXX/XXXX/2016 and spoke with a gentleman from XXXX, which services my private loan with Citizens Bank. I asked the gentleman what my loan payoff amount would be to pay the loan in full and he stated it would be {$69000.00}. I gave him my bank routing and bank account number and he processed the payment and I received a confirmation email indicating a payment of {$69000.00} with an effective date of XXXX/XXXX/2016. I then received a phone call on XXXX/XXXX/2016 indicating that they had made a mistake and applied the incorrect amount of {$1000.00} and to call them to resolve the situation. I called them on XXXX/XXXX/2016 and spoke with a supervisor who informed me that although it was their error and we received a confirmation email indicating the full loan payment of {$69000.00}, we were still going to be charged one day of interest of approximately {$22.00}. I as the consumer did everything on my end to payoff the loan as of XXXX/XXXX/2016 and had no control over how they applied the funds.
I recently paid my mortgage company the amount they said I owed in arrearages to stop a foreclosure sale. As of today, they are informing me that the sale is still scheduled and they have not returned my payment.
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have XXXX accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. XXXX of the accounts are Chase Bank. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section XXXX 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX
I have a hard inquiry on my trans union credit report from XXXX XXXX onXX/XX/XXXX, I never authorized this. There is a hard inquiry from XXXX onXX/XX/XXXX and on XX/XX/XXXX. These are instances of Fraud as I never authorized any of these inquiries.
TD Bank is charging me through a payday loan lender more than {$1500.00} USD for payday loans that they have my social security # that I 'd never applied for.
XXXX claimed that I gave them permission to take to automatic take money out of my First, TN account forelectric service to my home at XXXX XXXX XXXX I called them and asked them to bill me directly. I paid my account for XXXX and XXXX in person before the due date, however they continued to debit my account leaving me with overdraft charges. I paid the last bill XX/XX/XXXX and again they took the money from my account after I called them earlier in the month and told them not to debit my account. I checked with them and went to the bank today and XXXX continues to say that I gave them permission to debit my account which is false. My account is now overdrawn. The person at XXXX continues to be overdrawn. I asked the person on the telephone how long this have been going on an she said since XX/XX/XXXX. 
XXXX XXXX TN. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXFIRST Tenn Bank XXXX, TN
XXXX XXXX from Law office of Patenaude & Felix called me at XXXX today. XXXX XXXX asked me if I intend to make payments on the loan I owe. I explained that since I have records of only XXXX loan being signed I had requested from XXXX XXXX, the representative at their law firm, proof of the second loan. XXXX XXXX proceeded then to threaten that they would enact the judgement against me, even though I 've repeatedly tried to get proof of this second loan that they insist I owe them. He harassed me by belittling everything I said and when I told him I could pay about {$100.00} a month he said, " Ha, you want me to do all the leg work for $ XXXX/mo that will take you 18 years to pay ''. I explained over and over again that I wanted to work with them but I 'm in a financially bad situation. Over and over again he made me feel scared about what they could do to me. I told him that I did n't want to speak to him any further and that I wanted to speak either to XXXX XXXX or the lawyer on my case, XXXX XXXX. He then said, " do n't you hang up on me ''. My husband and mom who were listening to the whole entire conversation were shocked and my husband kept saying hang up, but I did n't, even when I was physically shaking and crying. This was by far one of the scariest and traumatizing collection calls I 've ever had. XXXX XXXX has been rude to me in the past, but never like this. Thank you for your time.
I have contacted Experian three times regarding the same information which was removed and once again shows up. the other XXXX agencies have kept the information off once corrected. I had an account that was discharged in a bankruptcy in XX/XX/XXXX or XX/XX/XXXX with XXXX XXXX XXXX XXXX now known as XXXX XXXX, that keeps coming back as written off. the last time this was to be corrected was in XX/XX/XXXX. A bankruptcy can not stay on a report for over 10 years yet Experian continues to report this information well over 10 years later. 
I am at a lose as to what it will take for them to remove this information Permanently as it should have already been. 
When I contact the credit union and they tell me they have not reported anything to Experian since the banktruptcy.
Hard Inquiry - Information below : Credit Plus Inquiry from XX/XX/XXXX - XXXX. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
XXXX XXXX is reporting that a payment was made in XX/XX/XXXX. This account was included in our Bakruptcy Discharge XX/XX/XXXX. No payments were made after that. Therefore, The information on my Credit report is incorrect. This account information schould be removed from my information the only info listed schould be, Account Closed
I had previously used a 0 % interest check, in which for several months I had abalance, and I did make timely payments. During XX/XX/XXXX that balance was paidin full, ended with a XXXX balance. My XX/XX/XXXX statement shows a startingbalance of XXXX, I made a couple purchase transactions during XX/XX/XXXX, and alsoa partial payment on my account. I should have had an ending balance of {$40.00}, although I was instead charged {$1.00} minimum interest, as I had abalance I was told, even though the credit card agreement clearly states Ican avoid paying interest if I pay for purchases in full during the billing cycle. 
So the way I understand it, I would have until the due date to pay the $ XXXXto avoid interest. It was later explained that their systems calculated interestif the account was " coming off of a 0 % promo '' even though it had been paid infull timely.
I 've been trying to dispute some inaccuracies on my credit reports. For some reason the credit bureaus NEVER respond back to me. That 's pretty strange because i know it is my right to dispute any inaccuracies i notice. Is that legal? Please investigate the following accounts. 


XXXX XXXX date of last activity is not reporting right. 
XXXX XXXX XXXX XXXX account is inaccurate. Three collector 's are trying to collect on this one debt. The balance owed is not correct. 
XXXX XXXX XXXXXXXXXXXXXXX XXXI have never done business with nor have i been contacted by this company about this debt. 
XXXX XXXXThe rating on this account is wrong XXXX XXXXXXXXThe balance should be {$0.00}. 
XXXX XXXX XXXXThis company is illegally collecting on this account. They are not licensed to collect debts in Louisiana and that is ILLEGAL. 
XXXX XXXX XXXX XXXXthis account in inaccurate. 
XXXX XXXX XXXX XXXXThe date of last activity is incorrect. 
XXXX XXXX 've never done buisness with XXXX XXXX XXXX XXXXThis creditor along with two others are attempting to collect this debt. This company no longer has this debt. Please remove.
I refinance my mortgage and received a letter dated XX/XX/XXXX that my mortgage was sold to Loan Care effective XX/XX/XXXX. On XX/XX/XXXX I logged on to their website, made my first payment and signed up for e-statements. On XXXX I realized my payment had not come out of my account, so I went back on to the website to find that I have a XXXX principal balance. On XXXX I called Loan Care and spoke with XXXX ( XXXX ) who told me my loan was sold to XXXX XXXX now known as XXXX XXXX as of XX/XX/XXXX and she told me my payment would be forwarded to them. She claimed that a letter was sent to me on XX/XX/XXXX, but I never received this letter. 
I called XXXX XXXX and they have no record of me yet, and I never received a letter from them. XXXX, from XXXX XXXX then called Loan Care back to try to get the new loan number and they do not have that information. The new person we spoke with at Loan Care told me my payment would not be forwarded to XXXX XXXX. 
My loan 's first payment due date is XX/XX/XXXX. I am currently 13 days past due, and I have no way to make my mortgage payment. I understand there is a 60 day grace period when your mortgage is transferred however, not being able to make my payment is unacceptable, and I do not want my payment history to reflect a payment posted after the due date. 
XXXX XXXX states that it can take 7 days to load new transfers information to their system. It has now been 9 business days from the day of transfer and they still do not have my information.
My home caught on fire in XX/XX/XXXX, I had to be relocated under temporary housing, I had applied for a 6 month forbearance on the home which I received, there were payments that were misapplied on the home to past due payments and not the forbearance, when I tried to point out the fact that I did pay them nothing was done and instead of being able to go into a modification at this point they closed my account in the Loss mitigation department. I then applied for a Modification of the loan at this time there was not a foreclosure date or process started. The loan modification was submitted in XX/XX/XXXX, I emailed all of the documents required to them even though my previous documents were still valid, One of the representative kept insisting that I had to send my divorce documents even though the house was purchased after the divorce, they were asking for bank accounts for my contractor since there was money moving back and forth from the LOSS DRAFT and then they were trying to obtain bank statements from another party that loaned me some money that banked at the same bank as myself, I finally got this resolved and my file was submitted for a loss mitigation review for a modification, after 30 days I contacted the loss mitigation representative and was told there was no answer back and the my file was pending review, I waited a few more weeks and was told the same thing. then two months later I get a notice that a foreclosure sale date was set on the house. I called and complained and told them that under the CFPB guidelines that they could not while in review of a loss mitigation place a foreclosure sale date, so they postponed it I was informed to XX/XX/XXXX, I called them and told them that I needed to find out the status of my review they said there was no response this went on until XX/XX/XXXX when they finally they said I was approved. this was 7 months later, escrow fees and payments were adding up causing more damage. By this time I found out that I could actually reinstate my mortgage so I called to get a reinstatement letter but no one would help me they kept telling me at CHFA that I had to call foreclosure so I would leave them messages and would not get a call back. I spoke to a number of agents in the collections department who refused to have someone internally help me and they just kept passing me to foreclosure who did not respond, Today I actually called the foreclosure attorney at XXXX XXXX and found out that the foreclosure sale date in fact is not for XX/XX/XXXX but XX/XX/XXXX. I have been trying to reinstate my loan for over a month now and can not get anyone to assist me. Today the attorney told me I needed to file an intent to cure with the Public Trustee, this is for a full payoff not a reinstatement. I am not paying the loan in full I just want to bring the payments current. The attorney I spoke with said that she would put the numbers together for the reinstatement but that would take a few days. I am at risk of losing my home because of the mishandling for the loss mitigation review time and because they are refusing to get me a reinstatement quote.
In addition to the response from the lender/servicer, we were advised that the lender/servicer would take into account the documentation requested to increase our income. In addition, we provided documentation regarding the status of the SS XXXX claim for which my husband has counsel. Attached is the correspondence from them, claiming permanent XXXX income for my husband, which is pending hearing. In addition we forwarded to our counsel on the foreclosure case, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, the response of the lender/servicer directing us to contact XXXX XXXX, XXXX, This response was also given to you on our previous complaint case # XXXX. Our attorney attempted to communicate with said attorney, with no response back from her regarding the review of our loan modification application. In the last few days, we found out that XXXX XXXX had not been returning the correspondence, and telephone inquiries, as she was not longer with the Plaintiff 's law firm, and new counsel has been assigned. My husband 's condition has worsened, and the claim for permanent XXXX is pending before SS and is based on my husband 's prior income. We are certain that with my additional income, and my husband 's XXXX that we will qualify for a loan modification. We have not been given a fair opportunity to make proper application and the documentation of my increased income has been ignored by the lender, and each time proof is submitted, the increases are subracted, rather than added to the total income amount. We believe that our application has not been given fair review, and we are filing this complaint. The trial date we have of XX/XX/2016 needs to be postponed to provide adequate time for a fair examination of the income, for the increases of mine which I have provided, and for Social Security to determine the monthly permanent XXXX amount. 
Again, we were assured that the XX/XX/2016 denial would be reviewed with the documentation submitted to prove a greater income stream, which was previously ignored. This was the reason why they needed more time yet no such review was in process which meant they were not truthful to the court and to us. We need your help to be given a fair and honest chance to keep our homestead.