WillisBack/dataset-financial-user-claim huggingface dataset:
since XX/XX/2013 I have been applying for loss mitigation and have always denied saying they did not receive the documents they asked me, I even went with an organization that helps those who made me all the paperwork and sent the required documents, but when I called the specialist assigned for the Bank who never answers only record label, said that the Organizations had sent compressed documents and it could not be opened, it is clear that the bank is not suitable to accept my applying for loss mitigation denied on the pretext of not receiving my full documentationEven though I meet all the requirements for this program, The last time call with an employee of HOPE and they said they already had all completed documents, however just receive a letter from the bank saying that they Declined because they do n't have the required documents. I call the specialist they assigned me but were unable to attend me, and meanwhile my debt continues to grow and foreclosure continues for sale. This is my only shelter, I am a senior citizen and need to stay home if they approve my applications, I can make my payments.
Santander gave XXXX XXXX a fraudulent loan. Car purchase price was {$13000.00} and I put {$2500.00} down. However Santander charged me for a loan at XXXX. I could not afford a loan that high at 21 %
On XX/XX/XXXXI was applying for a refinance loan for my home from guaranteed rate and on XX/XX/XXXX I was asked to pay a {$450.00} fee upfront for an appraisal. The appraiser was an unlicensed intern pretending to be licensed. It was not disclosed that an unlicensed appraiser would be performing an appraisal at my home. On XX/XX/XXXX she came to my home to do the appraisal. The appraisal did not come out favorable and with numerous attempts to resolve this issue with guaranteed rate, this resulted in my loan not being able to be processed. We bought all these issues to senior managements attention. We were promised that the appraiser would redo the botched appraisal, but that never happened. They will not refund the {$450.00} back and we were told sorry it didnt work out, better luck next time. This leaves me with no options, no refinance loan, just a fee to an unlicensed intern who botched an appraisal leading to the loan not able to be processed. We spoke to several managers at the company with no results. This company was supposed to refinance my home not sell botched appraisals. We have been victims of a fraud and scam and the company is negligent to assume responsibility.
I filed a dispute with Equifax re : XXXX XXXX XXXX account in reference to the status of the account. They in turn removed/deleted the account history but left the status of the account as is. The account history showed payments made on time, never late. My dispute was how/why are you showing the account history as good standing yet you put 31 days plus in the status for the same account. 
XXXX XXXX XXXX advised they did not report his as 30 days late. I spoke with XXXX analyst at Equifax who saw this discrepancy but yet say they have to investigate, They opened XXXX disputes for the same issue, XXXXand XXXX, the later which took one day to remove the account history which was correct. They seem to see the conflict but wont do anything about it
Since XXXX over and over and over at huge expense have sent proof that XXXX XXXX is gone, forever! Despite receiving the XXXX of XXXX letters, still they put XXXX XXXX on and the XXXX XXXX XXXX for the same exact student loans. XXXX XXXX IS GONE FROM MY LIFE FOREVER, THEY SHOULD NOT BE IN ANY WAY ON ANY OF MY CREDIT REPORTS. Instead it continues to say something like " transferred to another office. '' We all know XXXX XXXX in bed with XXXX XXXX but THEY ARE NOT ANOTHER OFFICE OF THEM. XXXX of XXXX owns the loans, they are XXXX, and they are closed. The only thing that should be on my credit reports is the XXXX of XXXX, period. and they are all XXXX, and they are all closed. XXXX of XXXX said XXXX XXXX would be off last XXXX XX/XX/2014 but there they still are on all my credit reports, like I have XXXX student loans. They are duplicated on every credit report. In addition, always in deferment yet on purpose XXXX XXXX has put " late payments '' AS IF! all gone! ALWAYS GONE! We all know what crooks XXXX XXXX is and I am sick of this when THEY ARE GONE FROM MY LIFE FOREVER. GET THEM OFF ALL OF MY CREDIT REPORTS AS XXXX SAID THEY WOULD BE BY XXXX XX/XX/2014.
I traded a vehicle with XXXX XXXX back in early XX/XX/XXXX and it took over 2 months for then to payoff the vehicle with XXXX XXXX causing my credit report to reflect my account being 3 payments late and a drop in my credit score.
The customer service provider of the loan issuer isnt providing the adequate details on what the credit score minimum requirements to be elligible for their cosigner release program along with the 12 month payment requirement but simply just denies the cosigner request without providing these adequate important details so that the customer has an idea on what is required with a minimum credit score instead of just postulating on that particular credit score number. I 've been denied twice as a cosigner loaner with AES with this terrific customer service as countless others can concur to as well.. The issue of the payment is a concern to the customer service provider and the loan issuer.
Took out a studen loan for my XXXX when he attended XXXX XXXX XXXX and finished in XXXX. As co-signer I have been paying off this loan and am now approx XXXX years in advance of payment date. Just last month I noticed that American Education Services XXXX AES ) raised my interest rate nearly XXXX percentage point without any notification. I find this to be illegal as XXXX and they are trying to maintain some form of percentage in the positive for the remainder of the loan. My account number at AES is XXXX and after numerous attempts XXXX emails, phone calls, etc. ) I have been unable to get them to explain why the rise in interest rates that started out at XXXX XXXX and is now at XXXX XXXX or so. I am also going to file a complaint with the XXXX XXXX XXXX XXXX.
My sister XXXX XXXX XXXX, who has Power of Attorney for my Dad XXXX XXXX, tried to close out his checking account at TD Bank on or about XX/XX/2018. Despite submitting all the legal documents that were prepared by a practicing attorney specializing in elder law, TD Bank insisted that my father come in to close out the account. Since my father had been recently diagnosed with a fatal combination of XXXX XXXX and XXXX XXXX XXXX and was confined to a hospital bed, this was impossible. For the next 5 weeks, TD Bank kept making excuses and finding fault with the documentation that was prepared by a lawyer. My sister showed the exact same documentation to XXXX XXXX and they helped close out my father 's account at XXXX XXXX in 30 minutes. Finally, on XX/XX/XXXX, TD Bank agreed to close out my father 's account. My Father XXXX on XX/XX/2018. TD Bank treated my sister XXXX XXXX XXXX horribly. They kept her away from her XXXX father and added stress to an already stressful situation.
I have a loan with NSTAR/COOPER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NSTAR/COOPER with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.
On XX/XX/XXXX ( mailed XX/XX/XXXX ), I sent a certified letter to I C Systems, Inc. requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. I verified their receipt of said letter using the USPS tracking feature. They have failed to respond to my request in any way, therefore, they have not proved that I am obligated to pay them anything. They have reported delinquent and negative information to all of the credit bureaus and I asked that it be deleted.
On XX/XX/2016 fund was taken from my account with Comerica Bank, direct express debit card account for the second time, it is now XX/XX/2016 and I am yet to have my account refunded, Bill are behind, I am a XXXX Veteran who depends on these funds for my livelihood, this bank do n't care about it 's customers.
In XXXX and then again in XX/XX/2018 I submitted evidence in a dispute to Experian that I was a victim of Identity Theft. The response to my dispute was limited in action and results. Despite, follow up both by mail and phone dispute I am afraid I at a dead end, in a matter that has cause my personal financial life to be in disarray.
I recently received a copy of my Equifax Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. Insurance C. Employment D. Court Order The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.
The week of XX/XX/XXXX I sent validation/ verification to XXXX , Equifax , and XXXX because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from XXXX and XXXX. However XXXX is still on all three bureaus. Equifax wouldn't delete XXXX even though they never could prove the debt to be mines. Also Equifax couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.
Well problem is after all the return I expected to see a XXXX ' balances but I still had a balance so it was XXXX when I called XXXX XXXX which is my XXXX credit card store right now is XXXX and I just hung up the phone on the represanative There is no purchase protection this bank are cheap sluppy disorganized During the 2 hour I waisted on the phone I have been transferred to 8 different rep and keep tossing like a basketball between different departments and no one knows what 's going on then after all this time the repressnetive instead of choose the short way and just dispute she decided to call the merchant after 3 months?????
MIDWST RCVRY {$500.00} XXXX XXXX XXXX XXXX XXXX They claim from about 7 years ago and just appeared on my credit report XX/XX/2017 I disputed and added a fraud alert to my XXXX  and XXXX XXXX reports and also disputed with MidWst RCVRY  who claims I need to file a police report after all these years ... this is not mine. I had roommates years ago who could have accessed my info and accounts. I want this removed ASAP as it is affecting my credit & I just had begun building it, as a single mom putting my XXXX of XXXX through college. I could lose my ability to help her. I have other debt that I have no problem paying for, but this is unfair to add an account that no police could investigate this many years later and why are they just now doing this? Fraudulent. Unfair. I want it removed.
Having noticed collection activity on my credit report from Portfolio Recovery Associates, I inquired as to the validity of said debt. 

While I received response from PRA in attempt to verify debt, it was indicated that the debt is relative to an account not on my credit report, as account open date for XXXX XXXX as provided by collection agency is not accurate, nor is account number. 

Further, date of last payment against above account was also not provided, to validate legal premise to attempt to collect said debt within status of state limitations in TX, that being 6 years. If said debt relates to account listed on credit report for XXXX XXXX, despite inaccuracies of account number and open date, the last payment against account noted on credit report ( not the one referenced ) neither reports a balance owed, but indicates last payment was XX/XX/2009, rendering this collection activity outside of state statutes.
Please see the attached correspondence. I am the Federal Fiduciary of VA benefits for XXXX XXXX XXXX. He is currently under the care XXXX Prior to his approval for XXXX, he incurred XXXX expenses at that facility for which I am personally being harassed by Transworld Sytems Inc. for payment of that debt. I am not his legal guardian, nor liable in any way for his debts. I merely receive the VA benefits and dispurse them in accordance with the law for his care.
The account was permanently blocked on the XXXX of XXXX XXXX due to alleged fraudulent activity although supporting documentation was given to show that there was no fraud involved the balance was {$100.00} in the checking account and {$600.00} in the savings account that was deposited from my pay check American Express has failed to release the money owed to me within a reasonable amount of time the first contact on the issue was XXXX/XXXX/XXXX and was told by a female agent I would recieve my money in 7 or 10 business days I recieved {$100.00} in a check on XXXX/XXXX/XXXX 20 days past the date that was said and here I am today XXXX/XXXX/XXXX still waiting to recieve the rest of my {$600.00} from the savings account I spoke with a female agent on XXXX/XXXX/XXXX who said it would be sent in 7 or 10 business days again more lies
I previously tried to remove my bank account to my PayPal account because of overdraft fees that had occurred from billing payments i didn't request. When I tried I received an error message saying this is unavailable right now. It happened again yesterday where they tried to charge that account twice and I incurred {$30.00} overdraft fee each instance. When I called PayPal to get my bank account removes the lady informed me that she could easily do that for me and that that happens a lot when people try to remove their Account online. I requested that PayPal cover my overdraft fees since my bank wont refunds it.
21 days ago ( XX/XX/XXXX ) I transferred XXXX XXXX from a XXXX XXXX to my Coinbase wallet with XXXX XXXX of fees. On the blockchain it shows that I have received the amount 21 days ago and also XXXX confirmations have gone by. I have contacted the support line multiple times and nothing has gone through. It still shows as " pending '' on the Coinbase side of things
I used Pay Pal to purchase items which I later returned. The amount was {$73000.00}. Pay Pal only processed {$150.00} to my credit card, keeping the rest, {$580.00} in Pay Pal. I received no email, phone call, or contact explaining any problem. Only when I tracked my account did I discover that Pay Pal kept my money. I called and emailed them multiple times. The email responses were robotic responses that had nothing to do with my issue. When I phoned them, they initially kept me on hold for 20 minutes and then and they kept me talking with a female " XXXX '' and her supervisor " XXXX '' and on further holds for 55 minutes while they continuously refused to refund my money, insisted that I give them my bank account and debit card numbers and codes, and blamed my XXXX card for why they did not return the entire amount. I contacted my XXXX card and they denied any obstruction to receiving refund money. Pay Pal still has my money. They say I can request a check which could be issued in 3 weeks. This is entirely wrong and represents extortion for my bank account numbers. In this era of people 's privacy being voilated, identity and cyber theft, I am concerned that Pay Pal is putting me at risk and holding my refund money hostage, hoping I 'm stupid enough to give them access to my bank account.
Called me at XXXX, XXXX, XXXX, XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less!
I have reached out to Experian several time and they are refusing to remove credit inquires. My Experian credit report displays  XXXX  hard inquires that was n't unauthorized by me. Please remove all credit inquires from my reports.
Trans union is not reporting a credit card I am authorized on for a XXXX account with my husband and I.
Ive been a victim of major identity theft with having my personal information jeopardized in  XXXX  major data breaches, false credit reporting issues, fraudulent use of my SS #, fraudulent personal loan and mortgage fraud. That has become a servere tragedy in my life with losing my residential property, losing my employment, affecting my children and received a letter saying there information was stolen as well. As I have had to move into family members home and ca n't get any financial support to recover from all of this. I truly appreciate your feedback and help. Thank you
My parents are behind 1 month on their mortgage, as XXXX owners they are never home. But I 'm a XXXX student and i usually am at home mostly during the weekends. The debt collector showed up yesterday violently banging on my door ( when he could have rang the doorbell ) being a XXXX year old woman this intimidated me and the car he was in had no logos it was just an SUV. Today while returning home from running errands the same van was waiting a street away from where i turn to get home, he pulled up in-front of me almost crashed my car. Then took a picture of me, then when i got home he got out from his car continued to take pictures of me, and gave me a notice to call my mortgage company. I feel in danger getting followed home by a random man, almost getting my car crashed into, frankly i just feel harrassed.
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.
I have attempted to contact the company to clear this debt and gotten no response. I believe it has been cleared.
I received a bank statement that was a couple weeks old. I noticed on the mortgage statement that my address was listed as XXXX and not the correct address of XXXX. I called BOA and was on the phone for over 30 minutes. It was unclear how and when it was changed. I went through all of my recent statements and learned that it was changed sometime between XX/XX/2016 to XX/XX/2016. I have been missing bank statements and now I know why. This was not the first mistake by BOA. Recently I was charged a series of fees by BOA that were removed after I learned that these were mistakes made to my account. I have continuously disputed the negative remarks on my credit reports but these mistakes are getting ridiculous by BOA. I believe that my address has been updated but now when I run my credit report XXXX appears on my credit report. I have never lived at XXXX.
Recently, I read that you are investigating complaints against XXXX Bank. In XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then in XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX bank. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX Bank and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement.
I am writing to your agency because I am very upset the way Discover handled my claim. XX/XX/2015 we received several calls from XXXX XXXX from XXXX telling me that he could get us XXXX federal grants for economic stimulus. But they wanted {$2300.00} up front so he could do all the paperwork. We agreed and paid them with our Discover card {$2300.00} to XXXX XXXX. Well needless to say they kept stringing us along and telling us that the grants we had applied for were gone, so I contacted Discover and was told they could not help. They would n't even do a good faith investigation. The Attorney General told me that I was well within the guidelines of claims and defenses, again Discover would not help. I also paid {$6900.00} to XXXX XXXX. I was again defrauded. I disputed the charge. Somebody called in and dropped the dispute. I tried to re open it and was told I could not. I know that 's not true but Discover would not listen to my side. The money was supposed to go to XXXX but instead went to XXXX XXXX. I explained to Discover that it is not a billing dispute, it is for services not rendered.
Good-afternoon, I am submitting a complaint on Chex-systems because on or about XX/XX/XXXX I requested a Chex-systems report online because of an identity theft issue that I have. I reviewed my report and found a fraudulent account that was established in my name for the sole purpose to apply for a credit card in my name with XXXX XXXX, because if you are not an existing customer they require for you to apply in person. The identity thieves established this account and the account went in to charge off status once they used the credit card and deposits were never made to the account. There were also a list of fraudulent inquiries with several institutions they are as follows XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. The last time that I applied for a checking account was with XXXX XXXX XXXX which they have been my bank since the merger of XXXX. I sent in a fax to Chex-systems with XXXX different police reports that were filed on separate months because of the continued theft against my personal information. I have had a lot of frustrations with this issue as it has been my responsibility in contacting each institution and notifying them of the theft. I am filing this complaint and attaching a copy of what was sent to chex-systems by fax, in hopes of clearing my name from any negative reporting and inquiries that have resulted from the fraud that has been committed against me. My file should be reporting free of any charge offs and no inquiries against my report as i have not applied for a checking account since XX/XX/XXXX.
I received a denial letter on XXXX XXXX, 2019, from XXXX XXXX for a car loan, due to information supplied by XXXX credit reporting bureau. The credit score they supplied for me was 70 points below the other 3 reporting agencies. My husband 's score was 110 points lower than the other 3 agencies. I have no idea who this company is or how they are authorized to report on my credit status. From the information I have XXXX XXXX is the only Bank using this company. They are definitely not using the industry standard for Credt Scores. They have made up their own numbers ( XXXX ) and they are affecting my credit score and my ability to get credit. They also listed something about not having my phone number long enough. I have had the same phone number for 40 years. How can I stop them from lowering my credit score that we have worked the last 40 years to establish?