WillisBack/dataset-financial-user-claim huggingface dataset:
My brother and I applied for a home mortgage as first time buyers wit BOA this year. We intended to put 20 % down for a home costing {$150000.00}. Our combined salaries are $ XXXX. We were declined based on my bother not having enough trade accounts and because my debt to credit ratio was too high. Here is where the incompetence becomes egregious. BOA did not include any of the credit accounts my brother indeed possessed on the loan application, so it appears as he had no credit history and the credit card omitted was a BOA card ( and the other was a cell phone bill, both having more than the year of required payment histories )! For me, I told both the mortgage officer and his immediate supervisor that all of my credit cards were paid done to reflect 25 % of the total credit for each which cost me about {$9000.00}. I paid the cards on Monday. Yet, BOA then went ahead and pulled my credit report again on Tuesday, then declined the loan on Wednesday and said there was no change in my credit debt ratios and that my report only showed a {$24.00} reduction in balances. Even a security guard at BOA knows that credit reports are not updated so quickly as to reflect payments made on accounts in a day. I was also charged the {$450.00} for the home appraisal to be done. When I asked the mortgage officer about this he told me that there was no way I could have been charged when the appraisal had not taken place. I sent him a copy of the charge and got no response from him until he sent the e-mail informing us of the loan denial. I was also able to log into the BOA mortgage section and noticed that many of the documents that we submitted had not been uploaded into the system as if they had no record of our submissions just before the denial It seems to me that if BOA was interested in financing the loan they would have advised us to push back the closing date and allow time for the payments on my credit cards to be updated on my credit report and actually included my brother 's trade accounts on the application. The e-mail informing is we were declined came almost 2 weeks after repeatedly contacting our officer to ask for a status update and two weeks before the closing date. The whole experience has made us reevaluate our relationships with the bank and made us grateful that we did not enter into a 30-year relationship with a bank that has shown an extraordinary lack of competent business practices and professionalism.
I have made numerous attempts to access my free credit report from Experian through XXXX. Although the other credit reporting companies have provided me with my report, my request from Experian always meets with the response " A condition exists that prevents Experian from being able to accept your request at this time. '' There is no way to speak directly to a human being about this problem : the company 's telephone number simply leads me back to recordings that direct me to the website or tell me to make the request by mail. The point of the annual credit report website, however, is to make this information available online. Their refusal to provide any means of contacting the company through normal channels is unacceptable Experian has provided me with no way even to seek redress about this problem, so I submit the complaint here.
Fed Loan Servicing began to furnish my student loans at the end of XXXX 2013, so my payment with them should have started in XXXX 2013. They are reporting that as of XXXX 2013 my payments to THEM were 180 days late, they also reported the same in XXXX 2013. As of XXXX XXXX 2013 Fed Loan Servicing my accounts for a total of 36 days and on XXXX XXXX 2013 the total was 67 days, since they had only held my accounts for that amount of time its impossible for my loan payment to THEM to be 180 days late. I was also granted a forbearance from them to cover the months I have listed here. The argument they give is that the forbearance was granted to bring my account in good standing and that the information that was reported to the credit bureaus will stay on my report because it had been reported before my forbearance was granted. They said that the late payments wont be removed regardless of the forbearance because it was reported accurately at the time. Which brings me back to the beginning, how is it possible for a company that had only been servicing my loans for 37 days report that I was late making payments to THEM by 180 days on 2 separate months. Its mathematically impossible.
I opened a business in XX/XX/XXXX with another person.  At that time we opened up a number of business accounts with vendors and banks.  In XX/XX/XXXX I left the business and sold my ownership to my business partner.  We provided all of our vendors and banks with our documents showing the business ownership changes.  I requested that all of the cards in my name be closed and closed the credit line that was in our joint names.

My old partner continued to operate the business till XX/XX/XXXX/XX/XX/XXXX time frame.  During that time he apparently racked up debt he could not afford and he started receiving collection notices.  I received XXXX from XXXX at that time in my name.  I contacted XXXX and provided them with my change of ownership documentation and the lady I spoke with claimed to update the account and never contacted me again.  In XX/XX/XXXX I ran my credit report and saw a collection agency was listed trying to collect on the old XXXX debt.  I called the company, explained the situation, and they stated that when XXXX sold them the debt they only listed my name on the account and not my old partners.  I was able to get my old partner to contact the collection agency and agree to pay the debt.  I provided the collection agency all of the ownership change forms at the time and they never contacted me again.  

My partner never paid the debt and when I attempted to get a mortgage recently I saw that the debt was still on my account.  I contacted the collection company, CACH LLC and they said that they would not remove me off of the account because that is how they purchased it.  I requested that they contact XXXX to get updated records because my partner should have been the personal guarantor and they would not do it.  They said I had to get XXXX to provide me that documentation.  I called XXXX to request details on the account.  XXXX said they can see that my partner is a personal guarantor and they have notes in their system that there was an ownership request documented but they don't have any additional details.  They don't have copies of the change of ownership forms I sent in nor copies of the contract stating I am no longer responsible for the business.  They are going to provide me with a letter stating that my partner is a personal guarantor but will not provide me with anything stating that I am not.

I have also requested documentation from CACH LLC and XXXX, verification of what the debt is.  I was not with the company during the years that the debt was incurred so I have no idea what they believe I am responsible for.  Neither CACH LLC nor XXXX has been able to provide me with any account statements stating who used the account, what was purchased, whose card was being used and in what amounts.  I have received nothing from them.  I originally made this request in XX/XX/XXXX and they did not provide it and I'm making the request again in XX/XX/XXXX and they are telling me they don't have any of those details.  I don't have chance to dispute these charges if they can't provide me with the details on the account.
On my XXXX credit report, there is a collections item from Grant & Weber, which is a collections agency from a doctor 's office by the name of XXXX XXXX. I have never seen this doctor, and have no idea what this is for. Both the collection agency and doctor 's office are unresponsive to my calls.
Credit Solutions Corp did a hard inquiry on my credit report for a debt no longer valid, and also sent a letter stating i still owe the amount. 
I received a XXXX for the debt in 2013. Which was included on my taxes.
I have received two telephone calls in the last 18 hours from NationStar mortgage asking when my payment will be received. The payment is not due until XXXX XXXX, but the calls began on XXXX XXXX. 
This is my first month with NationStar, as my mortgage was transferred from XXXX. Out of force of habit, I paid XXXX the amount due, which cleared my account on XXXX XXXX. XXXX informed me that they would forward any errant payments for the next 60 days. However, the harassing telephone calls from NationStar continue.
I have applied for a credit line increase on several occasions. I have not received any information in writing as to why I was declined. After multiple calls to supervisors and customer service representatives it was determined that you are basing your decision from XXXX credit reporting agency that I am showing delinquent account/s. I have no delinquent accounts on my XXXX credit report. I am enclosing a recent copy of that report that clearly states I have no delinquency 's or derogatory information. Please fix this as I am a good customer that just want an increase in credit.
XXXX XXXX XXXX - {$170.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts from my credit report.
In process with short sale for property on XXXX XXXX XXXX, XXXX, CA. XXXX. Accepted offer of {$240000.00}. 1st and 2nd asked for new price of {$250000.00}. Buyer obliged to pay {$250000.00}. XXXX is the loan on the first, through XXXX XXXX. XXXX has accepted the offer, and from XXXX procedures, is offering the 2nd loan with 21st Mortgage the industry protocol of {$6000.00}. 21st is holding up the short sale and is insisting on {$44000.00} and that the first mortgage should pay them the difference of {$6000.00} and {$44000.00}. XXXX is saying no, due to industry standard. Short sale specialist and myself have contacted 21st. 21st is stating we should do a deed in lieu, which makes no sense, as 21st would have to buy out XXXX and come up with {$240000.00} to do that. 21st was not the original loan, they bought the loan from XXXX. 21st has an acceptable offer, and is industry standard, but would rather get nothing and ruin my credit when I have done everything they have asked of me to make this difficult situation better.
XXXX XXXX XXXX called repeatedly, 7 days a week, from XXXX XXXX - XXXX XXXX, they block their phone number. Ive received over 30 calls from them in one day. Ive had a voicemail from them left after calling from an anonymous number threatening me and telling me that myself or my attorney must contact them today or she would be forced to place action against me that would impact me directly. I feel threatened by the company. Her return phone she left on the voicemail is XXXX ext XXXX
I called my bank, and was referred to an outsider, XXXX XXXX, for the loan information I was requesting. He text me her info, since I was driving and had no pen or paper. I called her, gave her my information, and she emailed me what else she needed. She told me that I 'd hear back from her tomorrow ( Tuesday ) I emailed at XXXX, text and Called her, with no response until hours later, with " I 'm sorry I did n't receive it back yet, sorry for the delay, hopefully tomorrow '' I tried calling her twice on Wednesday, and received no answer, or call back. I 'm not comfortable that she has all my personal information, is n't with the company I was told she was at, and is n't returning any phone calls, texts or emails. It 's very unprofessional, and nerve racking, since I gave her info to run my credit, and info that could ruin my life. I talked to another lender, and she told me it 's likely if she 's switching companies, that she does n't have her license 's arranged with the new company and ca n't access the system to run my info for a pre-approval. If that 's the case as well, she should 've been up front, open and honest about switching companies. I would 've never given her my info that being the case, because I have a very Time sensitive situation and am needing to see all my options now. Being a first time home buyer, this puts a bad taste in my mouth, and I will be telling everyone how poor of a job she did. Her job history as well, shows that she bounces from job to job, which I wish I knew before. Lesson learned.
I purchased a condo on XX/XX/XXXX in XXXX XXXX NY with my late husband. the mortgage for {$120000.00} was done through XXXX XXXX XXXX XXXX for {$690.00} monthly. 
I have continued to pay this directly from my XXXX account monthly. 

I currently live in XXXX and received a letter dated XX/XX/XXXX ( received XX/XX/XXXX ) from M & T Bank that my mortgage was 50 days late and I owed over {$5100.00} ( this does not compute with my monthly payments of {$690.00} ) and I was risk of foreclosure. 

I called at XXXX XXXX EST on XX/XX/XXXX to discuss this issue and was told I WAS NOT AUTHORIZED ON THE ACCOUNT. the letter was addressed only to me not my late husband and the mortgage was in both name but i was repeatedly told I was not authorized. During all 3 conversations I had with M & T they stated that inorder for me to be authorized to be on my own mortgage I was required to fax my late husbands death certificate and probate documents wait 5 business days and then call back in to find out if they would then speak to me. that they would not contact me at any time to tell me they did or did not have all the information required. 
When trying to contact XXXX XXXX XXXX XXXX I found out M & T has taken over all of XXXX XXXX XXXX. my mortgage payments have been accepted each month to my XXXX XXXX account. 
I spoke to M & T 3x with the last call taking place at XXXX XXXX est ( XXXX XXXX AEST ) requesting that the supervisor XXXX XXXX to look on the XXXX County Clerk website to show that I was on the mortgage. He refused and stated even if he was to see that he was would still not be authorized to speak to me because I was not on the mortgage. At that point I stated I would be reporting M & T actions to the NYS Attorney General office referred me to the CFPB do to the level of this issue.
To whom this may concern, Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage were a victim of an enormous hack during XX/XX/XXXX and XX/XX/XXXX. Scottrade Bank, Scottrade Brokerage, and Scottrade Financial Services were warned about these cybersecurity issues at a technical and cultural level yet no action was taken. 

I would like Scottrade Financial Services, Scottrade Bank, and Scottrade Brokerage to provide me with instructions on how to file a dispute with their companies. Specifically, Scottrade Bank and Scottrade Brokerage have failed to provide clarification on the currently conflicting and alleged dispute policies and Scottrade Financial Services has no dispute policy what so ever. 

If Scottrade has any concern for the fraud that occurred and the continued danger they are putting their customers in, I respectfully request that Scottrade step up their game and putting customer care as a higher priority.
A XXXX XXXX from Hatfield Portfolio Group from phone # XXXX called me on XX/XX/XXXX and asked for a XXXX XXXX. I told XXXX XXXX that XXXX XXXX is my ex-husband, our divorce was final XX/XX/XXXX. I gave XXXX XXXX XXXX 's current address and phone numbers and told him his new wife 's name. XXXX XXXX said he appreciated the information and said he would remove my name and number from his paperwork. Again today, XX/XX/XXXX XXXX XXXX again called my phone number and left a voice mail message asking for XXXX XXXX. I called back and got his voice mail. I left a message reminding him of our conversation a few days prior and that he was to not call my number again.
Trident Asset Management has insisted that I owe them a debt of {$2100.00} that I have tried to explained that I have no knowledge of. I spoke to a XXXX XXXX who would not understand that this is not my debt or a possible fraud. She expressed that I am still liable for the debt. I have contacted the original creditor and they have no record of such incident taking place.I have also contacted my bank and they too have no record of such incident. At this point I am requesting the assistance of this department.
I have been a long standing customer with Discover Card. I called to make arrangements for a lower interest rate or to set up a hardship payoff. I was told they could not offer any assistance and that I would need to go through a credit counseling company or that I would need to allow my account to go into a non-payment or default status prior to them helping me. I have always made my payments on time and I think it is ridiculous I am paying XXXX
I applied for credit at XXXX and was denied, which was crazy, because my credit score should have been around XXXX. They told me it was because I had XXXX accounts reported for collections. XXXX had XXXX bad accounts reported from XXXX different debt collection companies lying about who I was. These accounts belonged to a woman with my name who lives in XXXX. But, XXXX was not alone. The fact that the TRANSUnion credit reporting agency accepts information about a woman with a different social security number living in a different state and puts it on my account is outrageous. They should be able to be sued for this, but of course, they have probably written laws that prevent that. It was clearly observable that I was living in XXXX during the years they tried to put the bills on me and that I was not that person. This situation ruined our family 's life at a critical time of unemployment and need, and they should be made to pay for it.
Dear Sirs at Chase Bank only - XXXX ONLY - NO XXXX Allowed. I speak with XXXX ONLY in XXXX, TX, I am not allowed speak with XXXX, period. 

I do not happy with Chase Bank - checking account opening new account. with my Coupon Code : XXXX, it was declined account. I felt Chase Bank discriminated against me cause of declined account. 

I am not like both of XXXX XXXX XXXX and Chase Bank turned me down that called discriminated addresses notified to U.S. Senators in serious matters.
On my credit consumer report and I see addresses I couldnt of possibly lived because Ive been XXXX for 9 years ( from XX/XX/XXXX to XX/XX/XXXX ) and was actually only XXXX 3 weeks ago. Ive tried to log on to various websites to monitor my credit and my identity cant be verified because of the ongoing issues.
I have received countless calls from  XXXX   XXXX   XXXX  for a name ( ca n't understand them maybe its  XXXX ? or something like that ) that I am not related do not care who ever it is. I have tried disconnecting my answering machine, returning their call to an ext. that NO would help me. Answering the call several times telling them that person is not me and telling them to quit harassing me. I would like to file harassment charges as this has been almost a year and several times per day. Now they found my cell number and home numb er I AM  FURIOUS CAN YOU PLEASE HELP STOP THIS HARASSMENT
I contacted Trans union customer service to remove credit inquiries that were removed and then reinstated. Customer service was unwilling to help and stated this was not the case in my situation. I asked to speak to a supervisor and was told none were available.
I also mentioned that trans union had an account on my record listed as derogatory condition while the other two companies had it listed as paid and closed. This resulted in TU score to be 70 points lower than the other two companies.
The credit card balance was dispute from my credit report, for more than 7years. Now collectors want to dispute this account. The among is incorrect, the balance was XXXX now their saying is over XXXX.
Mailed a written request to Equifax to remove line items from Michigan XXXX XXXX and XXXX regarding a paid off student loan due to the fact that the US Treasury intercepted a forwarded an extra payment to my student loan account and it was not reflected on my file, even though I had the documentation. On XXXX XXXX I received a final response from Equifax stating they " verified item was mine '' ... .That was never in dispute, what was, was the accuracy of the record and as it did not reflect the all documented transactions on my file should of been deleted. On XXXX XXXX 2015 I filed a Summons & Complaint with XXXX in Michigan regarding this matter.
I received a letter in the mail from Midland Credit Management saying that I owe {$1200.00} from XXXX. I do not and have not had an account with the XXXX. When I called the number on this bill, it went to XXXX. There are XXXX different addresses in California on this bill. I have no negative marks on my credit. This sounds like a scam. They wanted to 'verify ' my name and social security number.
XX/XX/XXXX I received a letter from the XXXX XXXX Court stating I owe {$530.00}. After several visit, I finally got it resolved on XX/XX/XXXX however XXXX tried to run a background check and it still appears
On XX/XX/2018 I had XXXX deposited into my account and it also stated that the avail balance was XXXX. 
I have been waiting for this money it was suppose to be for kids for XXXX and that was the whole reason for opening the account with citi bank. So that I could at least make my kids XXXX a good XXXX due to the loss of their dad. Whom died in an car accident recently. 
. The accident happened on XX/XX/2018 it was on the news. He was our bread winner for the family and our love and support. 
My point is my kids already going through alot did not need to be disappointed on XXXX too. But they did not get nothing for XXXX and no fireworks on XXXX XXXX XXXX either. 
But they had no XXXX thanks to citibank. Some of them the customer svc rep was awesome but alot was also rude and not even making me feel like they gave me there all wen trying to help. 
They didnt have that drive in them, the drive to go above and beyond for me or anyone else. Me as a XXXX XXXX I go above and beyond my means to help customers. I would walk on fire for them. So my kids holidays was one big disappointment. 
I sent my documents via fax so now im jus waiting again. I'm very angry and mad at the service they provided for me. I dont reccomend this bank as a friendly bank. 
So my account is still on hold.fyi. This is a new account.