WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a XXXX Store Card on XX/XX/18 which is offered through XXXX XXXX out of XXXX FL. On XX/XX/18, I received an electronic letter informing me that my application was denied because of some key factors that adversely affected my credit score.

My complaint is the credit score XXXX XXXX pulled on me is inaccurate. My credit score with the 3 credit bureau 's are higher than what XXXX XXXX has reported. Another key factor that adversely affected my score with XXXX is " Too few open end accounts ''. This is inaccurate based on my credit scores listed with the credit bureaus. The bureau 's report the following open accounts which are in good standing and current ( i.e. Student loans, XXXX XXXX Credit Card and XXXX Credit Card ). 

When I search the address for XXXX XXXX online, it doesn't give an address in Florida and I'm concerned that the address given for XXXX XXXX on the letter that is listed in XXXX Florida is incorrect. 

XXXX XXXX states that my credit is XXXX. The 3 credit bureau 's report my credit score 's over 600. Your assistance on resolving the big gap in scores is greatly appreciated!
I was in the process of applying for a payday loan through the company 's website. It states I already have an account with them. I requested information on the loan that was already taken out as I have no prior contact and no records by email or bank statements of doing business with the company. they told be the account is closed, marked past due, and the loan has been sold to ta 3rd party agency. would not tell me when the loan originated, or the amount, or when the loan was sold to a third party agency.
US BKPT CT TN XXXX XXXX XX/XX/XXXX I've disputed this account with all three credit bureaus. Nothing has happened. 

I didn't authorize the following inquiries on my accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
I have made 25 payments on my loans that should qualify for the Public Service Forgiveness Loan program. They are only counting 11 of them even though I have turned in all of the required employee certifications ( sometimes multiple times ) and paystubs. I called them to figure it out. They said that one of the employment certifications was incorrectly filled out ( they said it was missing a start date, it was not ). I filled out the form 3 times and sent it in.
I then received another statement claiming 17 payments counted.
Everytime I fill out paperwork for them and send it in, they make mistakes and I end up having to do it again. I am terrified that I am going to end up paying more because of their XXXX ups. My payment dates are as follows : These payments all took place while I worked at another XXXX, XXXX XXXX which should qualify. 
XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXXAll Loans Payment {$86.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$81.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$80.00} XX/XX/XXXX All Loans Payment {$78.00} XX/XX/XXXX All Loans Payment {$5.00} XX/XX/XXXX All Loans Payment {$8.00} ( From XX/XX/XXXX-XX/XX/XXXX I  was unemployed and on an unemployment deferral. ) The payments below this line took place when I worked at a XXXX XXXX XXXX XXXX. They should all qualify. 
XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$430.00} With this program being in jeopardy because of the current president, I want to make sure they are servicing my loan correctly. I have copies of all of my forms that I filled out and sent if you need them.
Bank of America Credit CardOn the website ( XXXX ) it states:0 % for XXXX billing cyclesApplies to purchases and to any balance transfers made within XXXX days of opening your accountThe implication of the additional words " and to '' are that the XXXX day condition applies only to the balance transfers. However, when speaking with XXXX, a representative of the bank, and after signing up for the card, I was told that this was not true and that the XXXX day limitation applies to new purchases as well. 
Additionally, the representative told me that the XXXX day condition was from the time the account was opened - a full XXXX days before the card was received and could be activated. 
I would like to request a formal review and that Bank of America be instructed to revise the information on their website to be less misleading. I believe the website wording is intentionally misleading for the purpose of fraudulently charging interest to unknowing customers.
My home at XXXX XXXX XXXX in XXXX, XXXX, New York was discharged in a bankruptcy in XXXX of 2011. The docket number is XXXX. I have the name of the Law firm I used, the name of the Bankruptcy Trustee and the name of the US Bankruptcy Judge, if you need them. The loan has been sold so many different times and to so many different companies I can not count. All these Mortgage companies keep sending me certified letters and calling me- non-stop since 2011. One of  the companies even put the bad loan back on my credit report and we had to contact the Bankruptcy lawyer we used to get the info removed. I believe there was a class action against that company and they have to pay out small settlements to those involved. Why did n't the first bank just take the property and leave me alone? We are trying to move on with our lives. Local taxing entities from the Town are still sending me tax bills. I have told my Attorney about this several times and he does not think I have anything top worry about?
I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. XXXX 3. Plaza Service
This account was opened fraudulently as a result of ID theft. Furthermore it was previously dismissed as fraud when XXXX XXXX attempted to illegally collect on the account.
I am disputing a Chapter XXXX Bankruptcy that is on my Credit Report. I do not recall filing a Bankruptcy on XX/XX/2012. I have contacted the Federal Bankruptcy Court in Arizona and the letter I received back ( see attachments ) does not confirm the bankruptcy belongs to me and also states they do not furnish information to the Credit Bureaus.
Transition have taken my student loan account which is in a deferred status, and good standing and is showing it in a bad reporting status transition deducted 88 points off my credit score and as of yesterday XX/XX/19 another 58 points for the same factor which should reflect a deferred status because Im still a student   in school, I have tried to ration with this company but its the worse reporting agency within all three, please have them correct my account which should reflect deferred and in good standing and restore my points back which is 146 points that was removed.
Wells Fargo refuses to send me loan statements to an account for which I am the legal payer. Wells Fargo also refuses to grant me online access to the account. Bank continues to send damaging reports to the credit bureaus regarding this account and refuses my request to remove the damaging reports. I am unable to manage the account accitvities without statements or access to the account. All of the above listed events amounts to the bank acting in bad faith. This is my second complaint issued thru this agency against Wells Fargo for the same issue. I am asking for direct intervention from CFPB in this matter. There has to be a law that says a bank has to send a periodic statement. How else can a customer verify that the bank is applying payments correctly or is n't doing something shady with the customers account.
I have a mortgage with Caliber Home Loans, since XX/XX/XXXX. The escrow amount for the mortgage had recently increased by about {$500.00} per month due to an increase in property taxes. The payment was {$2600.00} but increased to {$3100.00} effective XX/XX/XXXX. 

While Caliber did notify me via postal mail, I did not notice that my payment was going to increase. I typically always pay more than the minimum amount due on this mortgage in order to pay it off sooner, but it wasn't enough to cover the new minimum payment due. 

My normal payment of {$2700.00} was received by Caliber onXX/XX/XXXX, but was held in 'unapplied ' status until the remainder of the payment was received on XX/XX/XXXX. 

And as you can see from the attached statement, it still is in some sort of limbo status, and my principal balance is not reflecting the payment. ***I have been accruing additional interest due to their failure to post the principle and interest payment when they recieved it on XX/XX/XXXX, and still not posted as of today XX/XX/XXXX. 

Caliber made no attempt to call or leave a voicemail on my phone until XX/XX/XXXX. 
I have never been late on a mortgage payment. And Caliber is being predatory with this late payment, that was due to a recent change in escrow and the minimum payment due.
Fox Collection Center XXXX/XXXX/XXXX XXXX I have contract them about this debt an I have n't received an reply but this is not my debt they have n't sent over any proof.
I saw this doctor in regards to a lawsuit I have, from getting hit on XXXX with XXXX metal bed frames. I have called and explained I ca n't pay due to lawsuit but once my case is settled, he will be paid. It needs to be removed. i have a lawyer working on my case. 
Thank you!
My XX/XX/XXXX payment ( check ) to FEDLOAN was returned to me intact on the date payment was due. The payment was postmarked XX/XX/XXXX and I received the returned envelope containg the check and invoice stub on XX/XX/XXXX. The envelope containing the check was unopened and the postage stamp was intact.The FEDLOAN address was clearly visible through the envelope 's window. A XXXX-code had been stamped on the envelope with the words, '' scan this code now to make an on-line payment ''. I phoned a FEDLOAN CSR who had " no idea how this could happen ''. I placed the intact envelope inside a fresh envelope and re-submitted the payment to FEDLOAN on XX/XX/2017. I never had a late payment and, of course, now my payment is " late '', even though there is a grace period. I feel that this was an attempt by FEDLOAN to encourage on-line payments. What other motive could there be?
I used my overdraft feature on my checking account last summer ( XX/XX/2017 ). I lost my job and was never able to bring my balance to current. The account was subsequently closed. I do still have an active savings account. I would like to know what do I need to do to clear the outstanding balance on my checking account and also how much is actually owed on that account. Any assistance would be great. I have had this savings account for almost 27 years and would like to clear any debts owed to restart my checking account. i
XXXX and I opened a Home equity line of credit with XXXX bank XXXX/XXXX/XXXX it was an interest only line of credit, which we used to pay for XXXX expenses as we sent her back to college. Harris Bank bought XXXX in XXXX XXXX, by XXXX XXXX we received the letter telling us that the loan was no longer offered and we could work with them to convert the loan. We began working with XXXX XXXX ( XXXX ).  After several weeks, we were almost to the end when XXXX ask for XXXX Social Security number. Being concerned about Identity theft we sent the last email asking her to look it up on the taxes we had sent earlier, I did a follow up with a phone call and gave it to XXXX verbally, and confirmed that was all she needed from us. 
We didnt hear anything else from Harris, now BMO until XXXX XXXX, XXXX and we received a refund for interest (? ) following with the letter XXXX XXXX, XXXX giving us to XXXX XXXX to address the issue. We had contacted BMO and we referred to the recovery department and they were looking for an offer to pay off the loan and were told that getting a loan modification was not an option. When I asked where my loan went for 2 years I was told that since I had not giving all the information on the first application my file was closed, I told them I had, and was inform that was not the case ( please refer to my emails ). As of XXXX XXXX, XXXX BMO reported the loan are a write-off and my credit score dropped to XXXX, even though the last letter said the was no negative reporting. I then contacted XXXX XXXX the manager XXXX branch where the loan was originated and asked her to fix my credit. I gave her copies of my documents and indicated she thought she could help. Over 60 days later ( and many phone calls ) she informed me that the only option I had was to work with recovery and they will not fix my credit. Desperate a referred back to the last letter and contacted the department listed and currently am working with XXXX XXXX, to get a loan modification, however this is not a sure thing and it will still not fix my credit. 
The long and the short of this is BMO should have never closed my loan application in XXXX. In reviewing my credit score after XXXX XXXX, the loan was listed on my report and without and payments and my score dropped to XXXX for not having on time payments and using over 90 % of my available credit, which I was unaware of until recently. After it was reported as a charge off it dropped to XXXX. I have contacted my own bank who will not give me a loan with a score so low. I have never tried to get out of paying this loan, I have only dealt with BMO in good faith hoping for the same but, by BMOs actions, I am trapped, I can only take whatever they offer me. I need you help as my advocate, Im out of options.
I have been disputing with XXXX XXXX for over a year. Ive filed disputes with Equifax, XXXX, XXXX and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX  and Equifax. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of Equifax, XXXX   and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with Equifax and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.
XXXX XXXX XXXX, XXXX violated my rights under the Fair Credit Reporting Act. I did not know that I had a right to dispute this debt. I do not owe this debt because I do not have a contract with this company. My account was sold to them therefore I do not owe any money as I did not sign anything with them therefore they can not collect any money from me.
Synchrony Bank lowers my credit limit down to the most recent balance causing the my credit usage ratio to be high. This lowers my credit score and I ca n't get the credit I need for home repairs and college costs for my son.
I have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  XXXX  judgements which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with   XXXX  ,  XXXX , and experian!!!!! I keep getting the run around and Im tired .... there is like a  XXXX  address/ names etc that I want updated also. Please HELP!!!
At the request of Carrington Mortgage, I have been making my mortgage payment using XXXX Collect since XX/XX/2016. Carrington mortgage is reporting that I made XXXX late payments more than 30 days late for the months of XX/XX/XXXX & XX/XX/2016. However, neither XXXX of these payments were made more than 30 days late. I filed a dispute back at the end of XX/XX/2016 I have submitted my original receipts showing the date and the time these payments were made and Carrington Mortgage has still refused to correct my Transunion, Equifax and Experian. The dispute was closed and all Carrington did was report a different balance to the credit bureaus. The update from Transunion was completed/closed stating " your mortgage balance has increased from {$98000.00} to {$98000.00} which is the same balance. This dispute did n't do anything to update the late payments or nothing to redeem my score dropping XXXX points from this error. The XX/XX/XXXX payment was made on XX/XX/2016 at XXXX PST and the XX/XX/XXXX Payment was made on XX/XX/2016 at XXXX PST. These payments were made on time as an Urgent Payment via XXXX XXXX XXXX XXXX. These payments are sent without delay and sent within minutes. Based on the XXXX policy, payments can be delayed if they made after XXXX EST. The XX/XX/2016 payment was made at XXXX XXXX, which is XXXX EST. The XX/XX/2016 payment was made at XXXX XXXX, which is XXXX XXXX. Carrington Mortgage did not acknowledge my payment until XX/XX/2016 for the XX/XX/2016 payment. Carrington did not acknowledge the second payment until XX/XX/2016 for the XX/XX/2016 payment. Carrington mortgage is required to report accurate information to the credit bureaus and they are refusing to correct their mistake. I have attached the original receipts and a letter from XXXX showing that these payments were made before the XXXX days late mark.. No doubt the inclusion of this inaccurate information is a mistake on the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a refinance, which was highly embarrassing and has negatively impacted my lifestyle. Please work with Carrington to do the right thing and have these inaccurate late payments removed from my credit report with all XXXX bureaus.
Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for XXXX {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.
inquiries are fraudulent and were not authorized. I continue to dispute them with TransUnion who is telling me that they are verified as true and they are neither verified nor true and I want them deleted! Inquires are as followed. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX
I called the bank on XXXX and requested a payoff amount. They refused to give it to me. They asked many identification questions and I answered them all but did not know the penny amount of a $ XXXX transaction. I knew the exact balance, my SS I feel the bank does these things to generate revenue that they did not earn. In this particular case, extra daily interest. When i asked for a supervisor the representative stated he was.
Originally our loan was with XXXX XXXX XXXX # XXXX. In XX/XX/XXXX, I lost my job -- -I had been working as a XXXX for the XXXX . XXXX and due to the reduction of XXXX XXXX in XXXX I was laid off. We knew we would not be able to make our XX/XX/XXXX payment so we reached out to a Housing Counselor at XXXX XXXX XXXX XXXX. We were approved for the Trial Modification Payments on XX/XX/XXXX by XXXX XXXX. In the process of the Trial Payments, our loan was transferred to Loancare. Now a new loan number and to continue the Trial Payments -- all payments were made as stipulated in the Modification Trial Plan Notice that had been approved by XXXX XXXX. ( See all backup information attached ) Payments were {$1000.00} plus a {$15.00} processing fee added every time we made our payment for a total of {$1000.00}. In XX/XX/XXXX we were told that our XX/XX/XXXX payment was past due, how can that be we have made our payment ( see bank statements showing debit by Loancare ) It seems that they went back to the XX/XX/XXXX payment which we knew would be late and the reason we requested the assistance. Loancare stated XX/XX/XXXX payment went to XX/XX/XXXX and XX/XX/XXXX went to XX/XX/XXXX, and so on. The whole reason for the DENIAL of the Modification we were told had nothing to do with the payments but with the Debt to Income Ratio was too high -- -Now I ask you this, if it was not approvable why did XXXX Approve us? Is not the servicing entity supposed to honor the approve modification by the original lender? I believe it should be that way. Please help clear this up -- we are now considered late and back to the original payment of {$1300.00}. This is not good practice -- plus this is an FHA Loan and they should be able to file a partial claim to bring us current and to the original approved modification payment.