WillisBack/dataset-financial-user-claim huggingface dataset:
I am a first time home buyer. I have been shopping around with some banks. Yesterday, I received a fully executed contract and my partner asked for me to check out some rates ; and I XXXX it. 

The first place I registered with was with Quicken Loans, and I received a call within seconds. It was a woman saying, i'm from Quicken Loans. Next thing I know i'm passed to another person ; and he starts to pitch me. Within minutes he processed my credit and I had never consented to this. I just wanted to hear what rates they are quoting today for me to chose where I would like to lock in my rates with. 

This is such a sensitive matter b/c running my credit impacts my score and I need the highest score possible score to get the lowest possible rate. I am so XXXX upset because I had no idea what was really going on and I worked in finance for most of my career. As soon as he told me my credit score I was like : " wait, you ran my credit? '' Whatever quicken loans is doing is so predatory and it needs to change.
I filed a dispute with XXXX, Experian, and XXXX credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. XXXX has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then 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 they are damaging my reputation and credit worthiness.
I contacted the company to extend the loan. The representative stated I had to pay a fee that was deducted from my account and my next payment was not due until XX/XX/XXXX. When I called on XX/XX/XXXX the recording said my payment was 32 days delinquent I spoke to a representative who stated I was suppose to complete a form within 15 days I advised we never received a form and I wasn't told I needed to fill one out. They wrongfully reported to my credit which dropped my score 65 points! We have been on time with our payments and catching up to trade it in and they are ruining my score purposely so they dont have to trade it!! They said they needed to see 6 months of on time payments and now this!!
I am victim of identity theft. I have done everything humanly possible to recover from this. I hav sent to all.3 credit agencys a copy of police report, FTC complaint form, accompanied by credit report identified errors. Thy told me acct verified, so I resubmit my paper work and didnt do nothing but bring my score to XXXX. These are acts that hav to be blocked permanently because I didnt authorize and were open in my name. 
XXXX XXXX says I ow e XXXX. Thats wrong. Its a laseee. I pay XXXX/month and nvr been lat because its auto ded from checking. And the screen shot is all acoustic to fraudulently opnd and must b permanently BLOCK. And remove all inquiries!
I sent via USPS Certified Mail the following letter with documentation. I just received note from the bank that they never received the data and closed my dispute. I have a receipt from USPS Comenity Bank received the data. This has been an ongoing complaint since XX/XX/XXXX. Please help me with this opaque and perhaps dishonest bank. 
XX/XX/XXXX Sir/Madam, Acct ending XXXX Dispute Please see the attached pages from my XXXX Statement. 

XXXX issued a the following cheques to Comenity Bank : XX/XX/XXXX {$470.00} Rejected and returned XX/XX/XXXX XX/XX/XXXX {$1100.00} Rejected and returned XX/XX/XXXX I twice paid Comenity, unfortunately the money was returned. I did not know this and found out by accident when logging into my account. I immediately called Comenity and then wrote a personal cheque for {$1100.00}, attached the payment coupon and mailed it the next day. I did not want to risk another XXXX cheque. The payment has posted so now I am carrying a positive balance. The agent was very helpful and friendly and was kind enough to remove the late fees. 

Despite my on time payments to Comenity, the bank has sent a 30 days past due notice to a Credit Bureau. My sterling credit, where I have never, never in XXXX years had a late payment, is now tainted. 

I paid on time and Comenity rejected the payments. See attachments. 

I want the past due note on my credit removed and corrected, immediately. 

I greatly appreciate your help with this unfortunate situation. 

Sincerely, XXXX Two Attachments, XXXX Statement Pages
I have a credit card from Synchrony bank from financing a dryer at hhgregg a couple years back. hhgregg is going out of business and I want to close this card, which I have n't used since and never plan to use again. It has been paid off and carrying no balance for over a year. 
Synchrony 's FAQ is down, their " compliments and complaints '' page fails to load, the hhgregg portal for managing the card is down, and I can find no way to close this card. I tried calling several numbers including the XXXX their website says to contact for hhgregg-related accounts, and despite XXXX attempts, waiting on hold for XXXX minutes each time, I have never managed to reach a human to request account closure. 
They are effectively refusing to close this dormant card by providing no means to do so. I 'm not sure what else to do having attempted all means of reaching out I can find.
I called to negotiate a credit payment. I was asked how much I was able to make and put in my payment. They said they were going to put me on a program so I could work on paying off my credit card. They said they were lowering the interest and they were going to accept my lower payment. I received a phone call this morning saying I had n't paid the full amount and still owed money. This was news to me since I was under the understanding that the amount I had put in was fine. Now my minimum payments seem to be higher than before I called. I 'm really frustrated because I feel like I was lied to when I called to negotiate so they could get more money out of me.
I disputed with XXXX a XXXX XXXX XXXX account that appears in my credit file. I believe that the balance reported is incorrect. I believe that this account was paid and closed. I requested to Equifax to mail to me the account-level documentation used to confirm the accuracy of the information. For example, a signed contract, the terms of the contract, purchase and payment history, as well as the method used to compute the interest, fees and other charges applied to this account on a monthly basis.
I was notified by Citibank that my universal card payment was past due. I never received the statement. I personally visited the nearest Citibank office in XXXX XXXX to request a copy of the statement so that I could review it and make immediate payment. An official at this branch advised me that they did not have access to this information and that I would have to call Citi directly. I called several contact numbers but the only response was that this was an attempt to collect a debt and how would I pay it? I have been unable to contact anyone at either Citi or AT & T Universal Card to request a copy of the statement so that I can review it and make payment immediately.
I am aware that on  XXXX   XXXX ,  XXXX , and again on  XXXX   XXXX , TransUnion deleted everyone 's credit inquiries on their TransUnion credit report. Later in the year, they were added back to my credit report. I did not recieve a legally required written notic e five days  prior. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with  XXXX , a United States supervisor, on  XXXX   XXXX ,  XXXX  and while I had  XXXX  inquiry removed, I was told that the others were not impacted. I know this is not true. These inquiries being removed and then re-added has caused a hardship for me and has violated my rights. My goal in this complaint is that you can help force TransUnion to stop victimizing me. I am asking in resolution that my credit inquiries be removed permanently as violation took place when they were illegally added.     Thank you and have a blessed day.
On my XXXX and XXXX credit report, XXXX XXXX XXXX are reporting a debt ( {$77.00} ) that was included in my bankruptcy as collection accounts and money that I still owe. My bankruptcy was discharged XX/XX/XXXX. They are reporting this as of XX/XX/XXXX. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed. Please advise and have it removed. Thank you.
Iam a victim of transunions inquiry issue i have 92 hard inquiries on my report the only items that are mine are for XXXX XXXX  and XXXX XXXX XXXX XXXX which is who i have my vehicle with
My mom was doing a refinance on her house with a va rider and I signed attorney in fact on loan on XX/XX/2015 then the next day XX/XX/2015 I canceled the refinance quicken loans accepted the cancellation and so did the va loans in Az well my mom passed away next thing I know I get a payment statement in mail I call quicken loans and told them the refinance was canceled on XX/XX/2015 I was still within the three day cancel period. 
They tell me Im liable for loan cause I signed attorney in fact. They tell me well since we know your mother is deceased we will transfer grant deed to your name. So they told me this in XX/XX/2015 they didnt keep there word they foreclosed on the house after I had paid payments
I bought my home in 2006 with XXXX MORTGAGE. I made my payments every month. My mortgage was for XXXX. My home was sold to Caliber and they are trying to say I owe XXXX. How is that possible? What happened to my equity? I have been trying to get a modification from Caliber and they are playing games with me. They keep asking me for the same papers over and over again this has been going on for almost a year and no modification and they wo n't accept my payments
I went to my credit union ( XXXX XXXX ) to apply for a credit card and was denied, when we reviewed my file we found XXXX credit cards opened in my name 6 years ago while i was XXXX. I did not open them. We found a XXXX XXXX XXXX, a XXXX XXXX, a XXXX and a XXXX card all in default.
I have submitted more than XXXX dispute with Equifax. This is the last XXXX. I have called 3-4 times. I have written a complaint letter. My mortgage company, XXXX ACCT XXXX, was removed from my report from all XXXX credit bureaus. Equifax has questioned why I filed a dispute. I was chastised for filing the first XXXX in XXXX 2015. I was questioned on why I filed bankruptcy. I was told by XXXX that he was n't sure that the information could be added back on my report. XXXX is not much better. Dispute XXXX was the first request with Equifax. Please help.
I received a call on XX/XX/XXXX at XXXX XXXX from XXXX at Preferred Credit trying to collect on a XXXX that I had paid off in XX/XX/XXXX. I confirmed with them that I had made the payoff payment of {$2000.00} on XX/XX/XXXX but they insisted that though they showed I had made the payment it was showing on their system that it was unpaid. They threatened to have this debt negatively reflect on my credit report even though I informed them it was an error. They checked with the manager and said that someone ran it for an incorrect date, and that my balance should be XXXX out in 7 business days. They gave me a call back number XXXX. I do not want this to be reported as an unpaid debt and adversely affect my credit report since the debt has been paid in full. I'm not sure why they would be calling so late to collect on a debt that has been paid off.
I have an Amazon.com Credit Card from Synchrony Bank. My payment was due by the XXXX of the month and I paid my bill online on the XXXX. As of today XXXX/XXXX/2015, I noticed my payment has not been posted yet and noticed that a Late Fee was charged to my account on the XXXX after I made the online payment yesterday. I called Synchrony Bank and asked WHY they are charging Late Fees on the exact same date as the due date and they said it 's just their company policy to do so and it should take up to XXXX hrs to process my payment and at that time, they can remove any late fees that were applied. I told them it 's not right to charge Late Fees on the exact same date as the Due Date and those fees should never be charged on the same date, but proper accounting practices should reflect late fees the day after the due date if payment is not received. I asked to speak to a supervisor who told me the same thing ... ( It 's their Policy ) and could not explain WHY they charge these fees on the same date as the due date. This is just a Class Action Law Suite waiting to happen. This is a Very Bad Policy and needs to be changed immediately. This can effect Finance Charges on these revolving consumer accounts and overcharge their customers in interest fees. Back Dating transaction and adding/removing fees is improper accounting and collection practices.
XXXX I was exiting a apartment complex XXXX XXXX. 
At the day of move out the manager did not give me anything to sign. She stated she would mail me any paper work and I thought she would refund any difference in the security deposit if they needed some repair living their 2 yrs. ( XXXX XXXX XXXX was the prop mgmt ) I left it very clean and they verbally stated it looked great. 
I had a federal suit for fraud against XXXX and XXXX for rent issues and denying reasonable accomidation. This case is filed in XXXX state. XXXX began having IQ DATA International phone and harass me by phone in XXXX and XXXX XXXX. 
IQ Data placed a fake debt with all XXXX CBs. I disputed it then and got all XXXX to remove it in XXXX. 

Now XXXX IQ Data is at me again for the very same thing and now they pushed the {$300.00} to {$810.00} they never had a judge sign anything. they have not been following the FDCPA or FCRA in an way in relation to this fake but very serious issue. 

I have a judges ruling from that federal case stating in fact XXXX did violate my rights to XXXX. So I am asking the CFPB to ask IQ DATA to produce the proof that they are not violating my rights under FDCPA and FCRA. 

Thank you for your help
In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. I also sent a certified letter dated XXXX XXXX, XXXX to Transunion requesting the same information and nothing has been done by either XXXX XXXX XXXX or Transunion.
My name is XXXX and I am asking for an investigation on my credit file and then for it to be updated in the system.
I have a credit card from TD Bank.Statement issued on XX/XX/2019 of this credit card had a credit balance of {$2.00}. I called this bank & request a check for {$2.00} on XX/XX/2019.I did not receive any check from this bank till today. Although, I called several times after XX/XX/2019, but no good luck in getting my credit back from them Customer service of this bank was very bad. They do not have any respect for customer.I am very frustrated with their customer service.
Credit issue disputed with no final response. 
FHA loan Short Sale. 
Due to FHA guidelines I was required to be late on my mortgage and further decrease my credit score jeopardizing my livelihood with high interest rates, increased insurance premiums due to this requirement. I had a medical hardship as well. My property was listed on XXXX XXXX, XXXX and was not approved until XXXX XXXX, XXXX. Several escalations to XXXX XXXX were completed along with a conference call with the Short Sale Processing Manager and underwriting director. 
The first processor, XXXX XXXX on XXXX XXXX, XXXX denied my short sale application incorrectly. 
There were XXXX managers involved ; namely : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX with escalation to FHA, Lender 's market value was less than the sales contract. First buyer terminated due to numerous delays and listing agent was able to secure a new buyer in XXXX XXXX.
I applied and obtained a credit card account with XXXX XXXX/ synchrony bank while I was in college I worked for XXXX XXXX part-time. I was never late on making payments throughout my time in college because I maintained steady income from my part-time job. I recently XXXX from college and my part-time job ended.Presently, I am currently unemployed looking for stable employment. Due to this hardship I was unable to make any payments any longer and I realized that the debt I incurred was discharged and marked delinquent onto my credit reports. I want to take full responsibility and possibly work-out a payment plan with synchrony bank once I'm gainfully employed full-time, however I just learned that synchronybank/XXXX XXXX sold the debt and remaining balance to a debt collector ( XXXX XXXX XXXX, XXXX ) and they filed a lawsuit against me in the XXXX county court here in XXXX, Ga. They come out to my home with court documents on XX/XX/18 and case number for the lawsuit # XXXX. I have been very distraught about this matter.I think there debt collection practices are extremely agressive. I'm willing to mediate with synchrony bank to resolve this matter if there are any options availble for me and my current financial situation.
TIAA Bank has informed me that they will no longer allow me online access to my accounts. No reason for this decision has been given. TIAA Bank has also informed me that no only will they no longer allow online access to my accounts, but they will also charge me {$25.00} for a paper copy of my statements, which they call a " research fee '' for a basic account service.
This complaint is in regards of mishandling of our fixed credit line loan by Bank of America. On XX/XX/XXXX, we have signed loan documents on a fixed rate loan from B of A, with an amortization schedule and a Note, reflecting a Principal/Interest payment of {$820.00}. 

However, when we have noticed that our automatically withdrawn payments are all being applied towards interest only, we have started contacting the originating loan officer and the bank 's customer service and research department. 

At first, we were constantly told that our payments are applied towards both principal and interest, as intended at the origination, however, after persisting to look more in depth, the customer service department did in fact confirm that the payments were applied ONLY towards interest, but not the principal. 

After many frustrating and LONG phone calls, on XX/XX/XXXX, we were finally assured that the errors on bank 's behalf have been corrected, and we have been sent a letter and corrected amortization schedule from B of A 's ALS Research department on XX/XX/XXXX. However, when we checked our statement, our XX/XX/XXXX payment yet AGAIN was applied towards interest only. 

We have tried to contact the person who initially stated the corrections were made and assured us that no more mistakes will be seen, and the originating loan XXXXfficer. However, no one has replied to our requests. 
Furthermore, once we called Customer service on XX/XX/XXXX, we were told that not only our past and XXXX payment were applied towards interest only, but our XX/XX/XXXX payment is also scheduled to be applied towards interest only. 

As of right now, on XX/XX/XXXX, we were told that the errors are going to be corrected again.
My wife and I have had XXXX XXXX for over 2 years. Prior to us receiving services all equipment and balances ( not in collections ) had to be paid in order to get service. We have never missed or been late on a payment since we started our service. A collection agency contacted me and my credit report shows that I have {$100.00} from XXXX XXXX in collections. I have spoken to multiple representatives at XXXX XXXX since XXXX 2015 when it was first reported. Each time that I speak with someone, they tell us that they have no records of sending any information to the collection agency, and that we do not have any outstanding balances or monies owed. They have told us multiple times since XXXX that the collection agency will take it off our report and they are unsure how this happened. We still currently have services with XXXX XXXX, paying our bill on time every month and this has still not been resolved or taken off my credit. We have not been provided with any information that needs to be sent to the collection agency, they simply tell us that we have to pay the {$100.00}. XXXX XXXX has not offered any solutions, other than to say that " they have sent the message to the collection agency to take it off '' and nothing has changed.
I bought concert tickets on XXXX on XX/XX/18 for {$150.00}. The seller 's name was XXXX or XXXX XXXX, XXXX, number ( XXXX ) XXXX. He sent me a picture of himself with a drivers license and screen shots of the tickets. I sent the money through XXXX on my Wells Fargo account, only to realize it was a scam. His XXXX ad was already taken down by this time. I contacted Wells Fargo, who told me that that the money had already been transferred but that they would look into it.
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and Providian National bank have been garnishing wages on on a old credit card account that was charged off before XXXX. This company filed a small claims judgment in the amount of {$2600.00} XXXX/XXXX/XXXX. In XX/XX/XXXXthey began more legal action to get the judgment amount. The wage garnishment started XX/XX/XXXX and has every year until now. They have thus far collected {$2300.00} since XXXX yet the amount owed on the judgment keeps going up ( its up to {$6200.00} ) currently  because this company is still adding interest on a account that has been closed before XXXX and charged off. I do not feel responsible for these so called finance charges and take responsibility for the original judgment of {$2600.00} which is almost paid up. I think this company is taking advantage and unfairly charging me these outrageous amounts for a credit card I have not had in almost 10years. These  garnishments really put financial hardships on single parents like me who are trying to make ends meet and trying to pay off debt.
In XX/XX/2009, I was XXXX and graduated high school. My mom took me to get a credit card from Wells Fargo Bank on XX/XX/2009, I was approved for a {$400.00} credit limit, but no-one explained to me how to use it I was just told don't max it out. I was very young and had no idea what credit even was. My mother was taking me out to dinner to celebrate and we discovered we had a flat tire along the way, we used all the money we had including my credit card to buy a new tire. The only money we had left to eat was the remaining balance of less than {$200.00} on my credit card so I fed myself, my mother, and my XXXX  siblings. I can't get another unsecured card because of this and I feel like I'm being punished for my lack of knowledge on how to use a credit card at XXXX. I'm XXXX now and I know how to be responsible with credit cards and I have a secured card now with a {$200.00} limit with XXXX but I need more credit because I take care of my sick father and a {$200.00} limit isn't enough for me to take care of him, and my household.