WillisBack/dataset-financial-user-claim huggingface dataset:
Summary I obtained a mortgage loan for an investment home in XX/XX/2014. One of the conditions of the loan was to make certain repairs to the home. Reserve funds was withheld until the repairs were completed. After the repairs were completed, the reserved funds were applied to the loan principle instead of being returned to me. My principal complaint is that these should have been given to me. 

The original lender was XXXX, and the mortgage was sold to Wells Fargo. I do n't know which lender made the decision to apply the reserve funds to the loan principal. Nevertheless, Wells Fargo says that the funds can not be redirected to me because I did n't give them notice that I wanted the funds returned to me. Additionally, this notice was required to be made within 30 days of the date that the reserve funds were transferred to my loan principal. I was never given such notice. 

XXXX XXXX.
I have had a Lowe 's ( XXXX XXXX ) Store credit card for over two years. Never been late, always paid on time or paid my whole balance off, etc. I always had a credit limit of {$2400.00}. All of a sudden on XXXX XXXX, XXXX, they lowered my credit limit to {$100.00} and reported me " late '' to the credit bureaus. I was not late. I made a return that canceled out the balance due on my card. Lowe 's charged me {$1.00} interest for that month, but I did n't know it. I never got a statement for XXXX. It was during Hurricane Irma. I live in XXXX florida. Mail was lost, we were without power for 2 weeks. No internet, etc. So it is understandable that the bill got lost. However, I figured that I did n't have anything due because of my return. I never received a statement for XXXX XXXX either, but I am applying for a mortgage and the lender told me Lowe 's had flagged my account for 30-60 days past due! I logged into their website and they charged me a {$25.00} late fee for not paying the {$1.00} interest on a ZERO balance and then they decreased my credit limit by {$2300.00}. Abolutely UNACCEPTABLE. Now I can not get my mortgage until this is cleared up. I called and did online chat with two different people today. The last representative told me that it was Lowe 's error, they were removing one of the late fees and he was sorry but that is their policy to charge {$1.00} a month even if you have a zero balance currently if you had anything on the card at all during the month. Is that even legal? Can you charge someone {$1.00} interest on zero dollars???!! All of this After I received an email from Synchrony stating that no late fees would be charged to victims of Hurricane Irma because they " care about their customers. '' I figured I did n't need it because I did n't carry a balance over. Guess I was wrong because they charged me a {$25.00} late fee for their {$1.00} in interest on a {$0.00} balance. What a load of XXXX!!!
The Midland credit Management MCM call me offering to pay a deb collection from a credit card, that amount original was XXXX. They said that I just have to pay XXXX and the balance will be removed from my credit report in full. I have more than 45 days I did the payment and the balance is still in my credits reports. They say that they already did his part and I dont thing it is true. I need to do an operation and my credit report is not helping me because of this incorrect information. My name is XXXX XXXX last 4 o my social XXXX. I need your help and protect my consumer rights please
I am trying to the best of my ability for a XXXX year to save my home. I have lived in this property for over twenty years and want to continue to remain here the rest of my life. I would like to receive a reasonable modification but have been told that I have to pay the arrears of {$21000.00} which I am unable to do. I deeply fill I am discriminated against. I need the mortgage company to work with me. I fell behind due to a loss of income, illness myself and partner plus a major home repair that had to be taken care of. All is well now and I am able to pay my adjusted modification mortgage when given. I am working plus my monthly Social Security is enough to take care of my mortgage, I am asking for your assistance in the handling of this matter as soon as you can as I don't want to loose my property. Thanking you in advance, Kindly,
I have disputed incorrect account reporting information with Experian, supplied them with undisputable legal documentation reporting error only to be told that their investigation has validated the information. Their validation of accuracy was sent to me the day after I initiated my dispute, so it was not investigated, nor did they even review the documentation I furnished them with.o Dispute of inaccurate reporting filed XX/XX/XXXX regarding 2 inacurate records from XXXX XXXX. Received notification XX/XX/XXXX that information was verified.XX/XX/XXXXXXXX XXXX dispute for inaccurate reporting. XX/XX/XXXX notified information was verified. XX/XX/XXXX XXXX XXXX dispute opened.XX/XX/XXXX verified. XXXX XXXX, same situation. This company is not following FRCA act and needs to be help accountable! These records are hindering my ability to obtain much needed credit.
Validation Letter was sent to this company on XX/XX/2018. As of XX/XX/XXXX company has not responded to this request. 

Please see validation letter attached. This is not legitimate practice and I would like this item removed from my credit report.
Multiple credit inquiries on the report that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
XXXX XXXX XXXX reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, XXXX sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request
I have been receiving letters from my current credit card companies stating that they were closing my accounts due to information on my Equifax credit report. XXXX just closed my accounts last week. I noticed last year that there were issues with how Equifax was reporting. All of a sudden accounts that were previously disputed & deleted reappeared and none of my current accounts listed any balances or account history. All of my new accounts were not even listed anymore. I disputed multiple times but Equifax has done nothing to correct my report. I have attached a copy of my CORRECT credit report dated XX/XX/2016 and a copy of how it is currently reporting dated XX/XX/XXXX. The XX/XX/XXXX report is SEVERELY incorrect. I have also attached proof of deletions including bogus pubic records that were deleted. 
I have also filed complaints with the BBB and the Texas Attorney General. I am suffering severe financial damages due to the mishandling of my credit information by Equifax. I have disputed so many times without any correction to my report. I am trying really hard to handle this situation outside of a courtroom. I just do n't know if I have any other option at this point than to hire an attorney if the CFPB, BBB & TX Attorney General can not help me.
In 2011 XXXX XXXX XXXX XXXX XXXX NY investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of XXXX to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from XXXX to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for XXXX.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX NY found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor.
I would like to ask Experian to remove all the inquiries in which no credit has been granted. I have noticed that there are multiple old inquiries which are currently affecting my credit rating, but no debt has been obtained. 

I want those inquiries, including those unauthorized inquiries for companies trying to sell me a product remove. 

I currently see more than XXXX inquiries.
1. Based on the TransUnion website description, I could get the free report of my credit score. Then I signed for it. But I don't remember if when I signed for the credit report, I signed an agreement for a credit monitoring service for XXXX a month. If I did, TransUnion must have hide it somewhere so that people won't notice that as they never sent me the bill/receipt/invoice. Nor does this information show on my monthly credit monitoring report. 

2. After that, I received the monthly credit monitoring report. I never realised it was charging me XXXX as the report showed nothing about the fee and they never sent the bill. TransUnion charged me for XXXX USD every month for credit monitoring from XX/XX/XXXX to XX/XX/XXXX. I thought the XXXX was some insurance fee and didn't realise it was for the credit monitoring service. 

3. After a few months, TransUnion secretly changed the fee to XXXX USD per month until I found out, starting from XX/XX/XXXX to XX/XX/XXXX. Again I never received notification or a bill or receipt or invoice for the change during the period. 

4. At first, I don't know how to cancel the service. Finally, with much effort, I found a website telling me how to remove the service from their list. The cancellation is almost like breaking a secret code. It is very time-consuming and complicated. I am sure many senior people, like my parents, could not fix that. 

5. I just knew that I could file a complaint here. And I believe many other people will fall in the same trap as I did. I hope my experience will help them. 

6. It is NOT a decent way to run business. TransUnion should feel shame about themselves. 

Thanks.
If the payment is not there immediately on the day it is due, regardless of the 10-day grace period or the fact that I have NEVER paid late in over a year, they call that day and every day until it is received. Payments are scheduled on paydays and it takes a couple of days to get the payment to them, so I have over 70 calls logged from them in the past year. I ca n't stand it! Give me a few ( 5-10 ) days grace period and THEN if I have n't paid, I understand a call, but this is utterly ridiculous!!!
I used the Bank of America App to transfer money to my friend, XXXX XXXX. On my list of recipients for person to person transfer ( using mobile numbers ), I have a few people. When I transferred {$1500.00}, I sent that money to a wrong person on my list, XXXX phone number. The problem here is..the phone number for XXXX XXXX on my recipient list no longer belongs to XXXX XXXX. I called BOA right after I transferred the money and BOA could not credit back because the person ( who has XXXX phone number ) already took the money. About three weeks after I field a claim, I received a mail from BOA, and they can not credit back because they can not contact the other party. My account record still shows that I sent money to XXXX XXXX, not the unknown person who has XXXX phone number. I have all the records regarding this issue.
Fedloan Servicing alleges that I was 30/60/90/120/150 days late on my Student Loan payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. They keep reporting this inaccurate information every month to the credit bureaus XXXX and XXXX.
Equifax was hacked and gave out all my personal information. If I was n't in danger of identity theft before, I and 145 million other people are now.
XXXX, XXXX and Equifax continues to report XXXX XXXX account # XXXX as derogatory. This account is part of a XXXX bankruptcy ( XXXX ). 

***Negative reporting on a XXXX debt is a violation of the permanent injunction of my bankruptcy discharge. XXXX XXXX, XXXX and Equifax is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against XXXX, Equifax and XXXX. 

I am requesting that XXXX, Equifax and XXXX to CEASE and DESIST their negative reporting of XXXX XXXX account.
I have been working with Experian for a few weeks now. I called and reported the Identity Theft fraudulent accounts that are still appearing on my reports. It even appears twice, same account one says closed and one says open for XXXX XXXX XXXX XXXX. I sent the FTC Affidavit showing ID Theft. Called their Dispute department and advised them that this is not my account and they said they would block it but instead just keep disputing it. When they " dispute it '' They come back and say they " Verified '' with the furnisher its my accounts. This is not true, i have not signed any contracts with XXXX 's these Account ( s ) appeared after my wallet was stolen and my Identity was used to open these. The XXXX 's company doesn't even have my correct Address on file. Secondly they list my address in their System as XXXX XXXX XXXX XXXX, TX XXXX. My Address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX but it won't let me update the address. Both of these XXXX 's Accounts are fraudulent and i want them blocked from my file i will attach the Affidavit below. Also there is an account from XXXX XXXX. This is not my account, i never received any benefit from this account and i want it removed and blocked from my credit file as well. Additionally XXXX is reporting late payments, this only occurred after the ID Theft occurred at which time i entered into a Payment plan with XXXX and they advised they wouldn't report any late payments so these should be current as i wasn't late.
Midland Credit Collections, c ontacted me at my direct line at my place of employment. They have called several times so far, when I answer I tell them that they are not allowed to contact me at work, this my business line. I work in a call center environment and can not be on the phone for personal reasons. The debt collector advised that since I answered the phone I should resolve the issues now. I have told them several times not to call me at this number. I do n't know how they even got the phone number as I have never provided it to them.
Check credit report XXXX 2016 all inquiries deleted. Check credit inquiries returned score went down. Never received notice of change.
A Company called Allied Interstate called me sometime around the 3rd week in XXXX  asking me to verify personal information without telling me what the call was about. When it became clear that they would not release any information without verification, I told them to stop calling me and then blocked their number. I have now received about 5 different voice mails with no message recorded, each time the same phone number is listed in the header information of XXXX. I assumed it was just a telesales line as I have been looking for information online and may have gotten put on some phone list. So, on XX/XX/18 after receiving another voice mail notification with a blank message, at about XXXX, I checked the header information for the message, and called the number to find out that it was Allied Interstate calling me again. I repeatedly asked what the calls were about, but the representative would not disclose any information until I verified personal information. I have never done business with an Allied Interstate so I was highly concerned as to how and why this company has my information. He continued to recite previous addresses that I had lived at in my past, but I will not verify personal information with anyone I do not know. This phone call was ended just after I told the representative to stop calling my phone, for the second time.
This is my second complaint. My previous complaint involved the failure of Seterus to credit my mortgage payments for XX/XX/XXXX and XX/XX/XXXX. After you contacted them they corrected the issue. They stated the reason my payments were n't credited was because my account was flagged due to a pending loan modification and trial payment offer. I never requested a loan modification. However, they credited the account and sent me a statement reflecting my payments. They also sent me paperwork stating my loan modification offer was cancelled at my request. Great! I never requested a modification nor did I request it be cancelled. Since they credited my account appropriately I thought all was fine. Today, I attempted to log onto the website to make my payment and my login is redirected. The screen I am redirected to says, '' thank you for applying for hardship assistance '' and I am directed to complete paperwork for a modification. I have not requested hardship assistance and I believe it is less than honest to redirect the website upon login to make it look as though I have. To be clear, i do not want a modification and I am not requesting any hardship assistance. Today when I arrived home a package was waiting that stated Congratulations your modification has been approved. What modification?. This company is either really confused or they are playing games. Is this the modification that was cancelled at my request? If so, why is it now approved? I just want to make my payment and have it appropriately credited to my account without all of this nonsense. After the last issue was resolved in XX/XX/XXXX, I somehow ended up with a {$200.00} plus dollar over-payment sitting in my suspense account which is odd since I paid the amount my statement showed was due.
My wife executed a mortgage and loan agreement with Synovus Bank in XXXX, Alabama on XXXX XXXX, XXXX. We had no problems with the local officers. 

However, subsequent to closing we have received contact from XXXX XXXX XXXX from the loan processing department in XXXX ( two emails to me ) and XXXX XXXX from XXXX XXXX XXXX XXXX ( one call to my wife today ). These emails and call state it is part of the post loan closing review. 

They keep asking about the house I included in my bankruptcy which my wife had absolutely nothing to do with. She was not on the note for that home. I provided them a copy of the note which clearly reflects this. 

Lastly, XXXX XXXX has bought the loan and they were my lender on the house included in the bankruptcy. I am continually being questioned about a loan that was included in bankruptcy and I think that violates the current credit law. 

The bottom line is that I would like for the harassment to stop.
Recent Hospital bill was placed in collections on my credit report for my adult son who has not been covered under my health insurance, since XX/XX/2009. XXXX Hospital then transferred the bill to collections company Transworld Systems. After multiple contacts with Transworld Systems as well as XXXX Hospital Billing, Transworld can find no information on any accounts in my name but a Derogatory report from their company remains on my Report. I have ran in to credit issues over the years and have been working diligently to repair my own accounts and it is disheartening to find Derogatory marks due to inaccurate credit reporting practices of XXXX businesses, that affect all aspects of my financial life. It makes me wonder how much of my former credit problems may have been caused this same manner and missed on my part prior to paying in effort of repairing my credit.
I had a Mortgage with Wells Fargo. That was paid in full on XXXX XXXX. XXXX, Received satisfaction of Mortgage. On XXXX XXXX XXXX, two years after the mortgage was paid in full. I received derogatory notification from my credit tracker stating that I was delinquent on a Wells Fargo Mortgage with an account number that was not mine. I contacted Wells Fargo numerous times to try and get this issue explained a resolved. After weeks of phone calls and correspondence I was told that Wells Fargo would fix the credit reporting issue. On XXXX XXXX, XXXX I received another derogatory credit report. It appears to me that Wells Fargo went in and removed an account number that was not mine and substituted the real account number and are now reporting that account as delinquent as if it is still open? I called Wells Fargo today XXXX XXXX, XXXX and spent over 1/2 hours talking with 3 people to no satisfaction. The impact of this situation has caused XXXX and financial grief. I had lost XXXX of dollars as a house purchase fell through. I believe Wells Fargo went in and changed the reporting mortgage number to my old mortgage number which was paid in full and satisfactory over 2 years ago. I believe they opened a mortgage in my name with out my knowledge.I believe the person in the corporate office tried to convince me that the reporting was correct when I questioned him and informed there were no derogatory reporting after the mortgage was closed until the bogus mortgage number appeared. then you change the mortgage number to my real number when I raise th issue that the mortgage number was not mine. This has caused me XXXX of dollars and I believe that Wells Fargo has tried to avoid an issue of acct in my name that was not mine.. Person in corporate was XXXX XXXX the first manager talked with was XXXX XXXX after speaking with customer service. Something is most definitely wrong here. Please help.
I applied for a capital one journey credit card online on XXXX XXXX 2015 and was immediately denied for approval. I reached out to Capital One to inquire the decision and was informed I could not speak with lending agent. I asked manager onsite with Capital One and asked why was I denied because letter that was emailed stated credit report invalid and missings information? The manager said they was unable to pull a copy of my credit report from XXXX XXXX. I informed manager I called XXXX XXXX and they show not only the inquiry on my report but they sent me the report they pulled and saw. I asked the Manager to please uphold fair lending laws. I also informed them I work for XXXX and I am aware of the law and I would file complaint because I was violated. Please investigate this process.
I have two issues. First, I am unable to sign-up for Equifax 's TrustId service being offered to me because of their security breach. Equifax 's website indicates my personal information XXXX have been comprised due to their recent security breach. I have attempted to sign-up for Equifax 's TrustID service twice. Once in XXXX, and again XXXX. Both times I am informed that an email will be sent to me. I have not received an email and am unable to sign-up for the service. I have been checking my junk mail. 

Second, I want to put a freeze on my credit reports. Equifax wants to charge me to put the freeze on and to take it off. This is ludicrous. They collect information on me, which I never asked to be collected, and they want me to pay them not to share information about me. This practice should be illegal. 

Thank you for your help,