WillisBack/dataset-financial-user-claim huggingface dataset:
VEHICLE LOAN WAS APPROVED ; CONTRACT WAS SIGNED ; THEN DENIED. 

I traded in a XXXX vehicle to purchase a XXXX vehicle at XXXX XXXX in XXXX XXXX, MD. The loan was approved by XXXX on XXXX/XXXX/XXXX for a loan of {$88000.00} aXXXX XXXX XXXX 84 monthly payments of {$1200.00}. The car dealership prepared all of the paperwork which I signed. With financial approval, I took possession of the vehicle and drove it home. 

A few days passed, and the car dealership called me to say that XXXX reversed the loan approval based on my prior history with them. ( I had previously XXXX a Bankruptcy XXXX debt for {$1000.00} with XXXX XXXX on XXXX XXXX, XXXX ). XXXX XXXX attempted to resolve the issue with XXXX on my behalf stating that the incident occurred over 17 years ago, but to no avail. 

I received a letter mailed from XXXX dated XXXX/XXXX/XXXX ( received on XXXX/XXXX/XXXX ) stating that they were unable to approve my loan due to XXXX has Caused XXXX to Suffer a Loss. The letter stated that XXXX obtained my credit score from XXXX and used it in making their credit decision. My credit score was XXXX. 

The unfair credit practices are that XXXX denied me a loan unfairly as my credit score represents good or 'very good ' for credit worthiness and they relied on outdated circumstances from 17 years ago without providing me the opportunity to explain my past hardship and/or my current financial standing. 

As a financial institution, loan approval must be based on existing information contained on the credit report. The actions of the Pentagon Federal Credit Union were not based on the Fair Credit Reporting Act, using information that exceeded the statute of limitations for credit reporting practices. They treated me disparately from other applicants who must have been approved for loans with a credit score LESS THAN XXXX and/or with prior adverse circumstances.
I sent a letter to XXXX XXXX XXXX on XX/XX/2017 notifying them that the debt they were trying to collect on was reported more than 7 years ago. They have not sent me anything contradicting that and are still reporting this account as a collection account. The original creditor removed this from my credit report for the above reason.
On XX/XX/XXXX I wrote a letter to Transunion seeking the information used to validate the following Debut reporting on credit report ( XXXX XXXX ). I received a copy of my credit report stating the investigation has concluded and that the debut is valid. Id like to remind Transunion that along with the letter I sent my XXXX which as an XXXX XXXX service member shows my entry and exits to the the UNITED STATES OF AMERICA. i only recently returned in XX/XX/XXXX. The date reported as opened is XX/XX/XXXX which is impossible as I wasn't present in the USA. Secondly, I havent received anything the validates this debut yet you are continuing to report this fraudulent account. Send billing history doesnt constitute as validating the debut. As you know with fraud the account is placed in another persons name. Where is the signed contract with XXXX XXXX, Where is the reason the amount is owed. Also, I subpoena the Tax transcripts for XXXX XXXX  the account was listed as a profit loss and there for the company was given tax deduction brakes according to the law. This debut isnt mine and doesnt belong to me I want it removed. As you are in violation of the Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act and causing defamation of character.
I am contacting you at the XXXX time in order to clarify and get your assistance or support with the issue or bad debt situation with car loan. here what had happened : As any customer I had a dream to buy and own a car, so my selection was XXXX, I contacted XXXX of XXXX, MD. It was very hard to find the car that I wanted, I could n't find it at my XXXX location, I wanted red and was offered Green with White Roof, it was proposal from XXXX of XXXX to participate in their show of XXXX process to immigrants in the XXXX. I rejected the offer. The guy who served me was very impatient XXXX XXXX, who raised his voice on employees and later on I found out his employment was terminated, I get with another manager at this location later. The offered interest was too high 12 % to prevent me to buy red car and sell me green car. I continued my search and found a car in the XXXX location. It meets almost all my requirements, no leather seats. 
The offered interest on loan with XXXX 18 %, I agreed because I have a sponsor who prefer to ananomous, told me take it otherwise you 'll be unable to find it with leather. I greed to the terms and conditions. Later I got letter, Thank you for financing and so on. I lost that letter when I moved out. In some time letter I got Title. Please see attachment. There no lien holder ... I trust my friend 100 %. 
Later on started my XXXX that I do n't pay the bill and collection letter in my door and damages to my car. I assume if dealer want to return the car back why they will damage it?! Proof of Evidence : ( Right Rare Tire Hole ), Engine, Left Side Bumper Scratch, I got thru all holes on the road with car noise like breaking it down, Gas tank, I could n't fill in gas my electronics were jumping UP and Down with gas level, My REAR Sensor were alarming when there were no object behind with reverse. My snow sign was blinking and alarming when there is no snow ... I am safe driver I scratched Rear Right White Rim DUring parking, My electronics was going crazy, I complaint about it to the XXXX, they offere me Diagnostics which I could n't get because my car was stolen from Private Property Parking with Request to show the check ( payment ) which I do n't have, because my friend paid for the CAR in order to provide me with assistance of supporting to find the job and live independently. I mailed Title to Texas, where it was sent from. For now I do n't have news. I just want my car back and truth if it is possible what happened with money, how money could be stolen from bank, it takes time to verify and clear checks or payments, I did n't get thank you note the next day in a month and title as well, it means money were there .... then disappeared. The car was repossessed.
I received a loan from avant last year in XXXX of XXXX. I received an email about refinancing for additional funds or lower Apr. My Apr for a Delaware consumer is XXXX, but I noticed on their website they offer Delaware loans highest 36 %. I contacted them and their statement was this was new interest since my loan opened and I could reapply for the lower Apr. I tried reapplying and was denied. Logged back into site after applying it ran my credit again to deny me without me actually filling out application.
I have been having problems with keeping up with my mortgage payments. 

Roundpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX, NC XXXX is the servicing agent for XXXX XXXX XXXX XXXX, the holder of my mortgage. 

In XX/XX/XXXX, I put the mortgaged property on the market. I did find a buyer quickly, with a closing date in XXXX. I had divided the property to make it more attractive to a buyer who did not want to be a landlord. I was not able to keep up with the payments at this time, so I contacted Roundpoint and let them know that the closing was in XX/XX/XXXX, and they would be paid off at that time. Their customer service people indicated to me that was acceptable, and ceased calling me about being behind in the payments. They gave no indication that there would be any derogatory information reported to the credit bureaus. Roundpoint did file derogatory information during XX/XX/XXXX. 

The closing on the property created another problem. XXXX XXXX made an error on the closing statement, and left me with a {$2700.00} balance to be paid on the mortgage. Roundpoint did commence billing the balance in XX/XX/XXXX, even though I had paid off about {$130000.00} of the {$130000.00} balance. They insisted that the payments start then, and would be at the same amount as before. No adjustment would be made. 

I am still having problems keeping up with the payments. In XX/XX/XXXX, I requested that Roundpoint pay the property insurance out of the escrow. Roundpoint did not, and I paid for the insurance in late XX/XX/XXXX to avoid cancellation. I have requested that Roundpoint move the insurance money from escrow, and apply it to my principal balance. They refused, on the basis that I am one month behind on the mortgage. I would have been able to get current on the mortgage if I did n't have to make the insurance payment. 

There is {$1400.00} in escrow. I have paid the insurance on the property, and the property taxes are taken care of. There is no reason to hold the money in my escrow account. This money would take care of almost 2 months of the principal and interest on the mortgage. Roundpoint would rather leave my struggling to make the payments than release the escrow.
Equifax Hack " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' ^Same as pretty much everyone who 's complaining today, I imagine. 

Did not enroll in their XXXX XXXX. Pardon me if I do n't trust Equifax to do a competent job of protecting my information.
I have tried to get a loan modification for at least four years. From CitiMortgage my house will be sold on XXXX XXXX, 2015. I have gotten the run around and I can never talk directly with the person assigned to me. I always have to get a call back. some time it would days before the person was available. I have a job and can not spend my work hours on personal business while at work. My loan number with them is XXXX and at one point almost 23,000.00 dollars was paid in arrears and I also paid XXXX payments in a loan modification with them. They dropped the modification when the final papers that needed to be signed were n't back because I had trouble getting my ex-wife to sign them. She is on the loan too. I do n't think anyone can help me it is too late I am sure. The greed of these companies is not right how they want people to give in.
In the middle of XX/XX/XXXX I tried to apply for a home mortgage and was notified that I had this collection account reporting on two of my credit reports. XXXX and XXXX. I sent XXXX XXXX XXXX two validation letters and they did not respond to the 1st or 2nd letter. 

The first dispute letter I sent out on XX/XX/XXXX ( I have attached a certified mail receipt ) They received the letter on XX/XX/XXXX. Instead of them validating this debt they sent me a collection letter dated XX/XX/XXXX. ( I have attached the letter they sent me ). They did not stop collection activity until they validated the debt. Which is a voliation of the FDCPA. 

I sent the 2nd validation letter on XX/XX/XXXX and still I have yet to receive a validation of this debt XXXX XXXX XXXX. I did dispute with XXXX and XXXX, XXXX deleted the Debt ( I have attached the copy of the result ) XXXX said verified. How is this when XXXX XXXX XXXX  didn't validate the Debt with me. They have show their blatant voilation of the FDCPA by not validate this debt with 100 % verifible proof of this debt. 

Please please please help me in this matter.
I have looked deeper into my credit reports. I noticed an incorrect balance being reported on a vehicle installment loan. After difficulty getting ahold of  Capital One Auto Finance,  I was able to get them to send me payment history. On  XX/XX/16    I sent a first letter to  XXXX , with payment history as proof, advising them that they were reporting an incorrect balance on that particular account. Unfortunately they ignored my letter. Then on  X/XX/16    I sent a second letter to   XXXX   again advising them of mistake, which again they did not correct the incorrect balance mistake. They are reporting a balance of {$7200.00}, when in fact the correct outstanding balance should be of {$6400.00}. This inaccuracy has negatively affected my overall ability to receive credit. At this point I do not know what else to do.   XXXX   has completely ignored the mistake, even after sending them proof from the original creditor.
My issue is with Morgan Stanley and an Inherited IRA. M.S. will not release my late husband 's IRA to me of which I am the sole beneficiary. The IRA in question was not originally opened at M/S ; it was opened with XXXX XXXX. XXXX was taken over several years ago by Morgan Stanley, which meant M/S also ended up as the new owner of my husband 's IRA by default. My husband passed on XXXX/XXXX/XXXX, but I did n't pursue the transfer of the IRA until approximately XXXX XXXX. 
For the past six months & although I have requested that the paperwork from the XXXX XXXX Department be sent to me and was told it would be, it never was. 
Finally on XXXX/XXXX/XXXX, a Rep. named XXXX told me what was going on. Evidently when XXXX XXXX was taken over by Morgan Stanley and my husband 's account was taken over by M/S, someone by the name of XXXX XXXX was placed on the account. XXXX admitted that M/S does n't know who XXXX XXXX is and why she was placed on the account. This account was close to XXXX dollars on XXXX XXXX, XXXX and now it 's closer to XXXX. I do n't know who XXXX XXXX is and do n't care ; I just want to be able to transfer the money to an account of my choice. M/S should n't be able to hold my fund hostage just because they ca n't figure it out. I have been told by a XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX and more recently XXXX on XXXX/XXXX/XXXX that a compliance Manager would get back to me and get this resolved. I have told that I would get a call time after time ; well to date the only thing that has happen is the value of the fund has gone down. Can you please help me? 

THE ACCT. # = XXXX
I have multiple student loans that were provided by XXXX XXXX XXXX. However, last year these accounts were consolidated through another loan servicer and should reflect as such. When I pulled my current 3 bureau credit report I noticed there were many late payment alerts that flagged to my account based on the loans. They accounts ranges dates from XX/XX/XXXX-XX/XX/XXXX. I was in school from XX/XX/XXXX-XX/XX/XXXX. I am not sure why these late statuses were reported but I would like to get them removed from my credit report on all XXXX XXXX Accounts to ensure it is not effecting my credit score. I would like to also request to remove the account if there is no longer any balances on the accounts. 
I will submit a dispute as well from the credit bureaus side.
My social security number was stolen in late XXXX / early XXXX of 2015. I filed a police report immediately after being notified by a credit monitoring service ( XXXX XXXX XXXX ). Of the XXXX credit reporting agencies, only Equifax continues to claim the inquiries are " factual ''. XXXX and XXXX do not reflect the fraudulent inquiries. I filed a fraud report and even faxed in a follow-up document to Equifax , listing the fradulent inquiries. I will again contact all of the companies that ran inquiries with my social security number and ask them to report to Equifax the fact that these were not performed by me. I believe Equifax should be investigated over similar matters like this. 

Recently, I list these inquires as fraudulent on the Equifax dispute website. Equifax quickly respond by annotating the inquiries are " factual ''. The identify theft happened over a year ago, and these inquiries remain on my Equifax credit report. Please look into Equifax 's business practices with regards to closing investigations as " factual '', when they clearly are not. Of the XXXX credit bureaus, I do not believe they are adequately investigating consumer-requested corrections to reports. If they had, it would be obvious that these inquiries were not made by me. 
Respectfully, XXXX XXXX
I was sent a check in the mail to get cashed to pay bills for someone. The check was accepted through my bank til 3 days later it came back as a fraud check. I did not realized that the check was a fraud check until after I withdrawal the money and sent it off.
On XX/XX/XXXX, my mortgage serviced by CitiMortgage Account Number XXXX was paid off in full. I refinanced with a new 15 year fixed rate FNMA mortgage which was funded on the same date. I had a remaining escrow account balance at CitiMortgage of {$2200.00} as of XX/XX/XXXX. On XX/XX/XXXX, CitiMortgage withdrew {$15.00} from the escrow account. After contacting them via email on their website, they told me via email that the deduction was for a " wire payoff fee. '' The Note I signed on XX/XX/XXXX and the Federal Truth In Lending disclosure I received on the same date clearly state that the loan had NO PREPAYMENT PENALTY. I view this {$15.00} as theft from my escrow account, as it is a de facto prepayment penalty. Despite the small amount, I want this investigated and I want the money refunded to me, as CitiMortgage has refused to do so, despite my repeated contact with them since that date. Additionally, CitiMortgage has been holding onto my escrow balance instead of refunding it to me promptly. They have stated that they do not intend to issue a check until XX/XX/XXXX, which would be 16 days after the loan was paid off. I want a full escrow account refund, including the {$15.00} they deducted for the payoff penalty, IMMEDIATELY. They have had long enough, and I have waited long enough. Thank you.
Navient increased my monthly payment without notice. And deterred me from income based repayment plant to forebearance.
I filed for a loan Modification several times with Flagstar bank. It seems as every time i 've filed they would string me along, requesting Information that does not exist, and after pleading with them time and time again about the non existing Information, they would Deny my Application.
I do n't have Money to Hire a Lawyer to help me. I recently had to File Bankruptcy to stop the Bank from selling my Home. 


Please Help!!!!!!!!!
A man called me on the XXXX of XXXX. He said that I was eligible for a {$5000.00} loan. I asked for a {$1500.00} loan instead. He said it was a government loan. He said I would pay {$91.00} every month for 16 months. The interest fee was XXXX percent. 
He sent me an email with the loan documents. His name was XXXX XXXX from XXXX XXXX XXXX XXXX his email was XXXXXXXXXXXX gave me his phone number was XXXX, which was the same number that he was calling from the whole time. He said if I did the loan that day, I would have to pay back the money on XXXX XXXX. He said that I had to call him back at that number in order to pay the loan back. 
He said the loan worked like this : I would put {$150.00} on a ReLoadIt card. Once I put that money on the card, the loan proceeds would come later that day. He said the money would let him verify that I could pay the loan back. The card deposit would do that, he said. 
I put the {$150.00} on the ReLoadIt card on XXXX XXXX. I bought the card at the XXXX XXXX on XXXX XXXX. in XXXX, NC. The man was on the phone while I purchased the card in the store. He said to give him the pack number ( XXXX ). I did. He said it would take 1 hour to process. I kept calling him about every 30 minutes. He said it would come ... just wait and it would arrive. He said wait another hour. 
I went to ReLoadi 's web site XXXX said to make a special account. They said the money had been used, because he had the pack number. ReLoadIt told me as long as you have the pack number and the amount you put on the card, you do n't need anything else to get the money off the card. They said he could take the money if he had the Pack and the amount. So he did and he kept the money. 
He called me again Wednesday XXXX XXXX. He said to put {$110.00} on another ReLoadIt card. I did n't do that, though, because my dad said not to do it. When he kept asking for money, I got smart.
My identity was stolen. I notified the credit bureau. They removed the account, but left the collection for that account.
On XXXX XXXX, 2017 I attempted to get my credit report on line from XXXX XXXX. On their website they do not have any forms to get credit report following a denial of credit. I tried using the free annual credit report forms and it came back that I had received my annual free credit report already.
XXXX , Transuion and   XXXX   are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX    XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.
Discover credit cards have a rotating 5 % cashback category. The categories are intentionally ambiguous so that consumers do n't know whether they are in category or not. The current category is " department stores ''. I utilized the Discover Card at XXXX stores, only to find that XXXX is not classified as a Department store but rather as a " discount store ''. The definition of " department store '' in the dictionary is a store with many departments, which is clearly what XXXX is. Credit card companies should be required to specifically define what these categories mean. This is not the first time I 've been burned by Discover. I asked Discover to make good on its promise of 5 % and they refuse. I could have received 5 % using my XXXX credit card, but instead used Discover. My net loss is {$75.00}.
I am in the process of selling my house at XXXX, Ohio XXXX. I know the buyers, and have worked with them and their bank to expedite all needed documentation. The bank working with them is Chase. The disclosure papers were completed end of XXXX. The appraiser conducted his visit on XXXX, with no resulting issues. It is now XXXX (!!! ) and this sale did not go through for no apparent reason! I was told the underwriters are backed up?? Is thisconsidered acceptable practice? I find it incredibly dismissive, unprofessional, and abusive. Can something be done about this please?
I received a letter from the IRS stating that in XXXX 2015, XXXX XXXX XXXX which was acquired by XXXX XXXX XXXX XXXX, a subsidiary of Fidelity National Information Services , INC.,  reported a retirement income to the IRS in the amount of {$12000.00}. The problem I am having is that the IRS is saying I owe them money now and I never heard of nor had an account with XXXX XXXX XXXX. The IRS is stating this is an IRA. As much as I would love one, I do not own any IRA accounts. The only thing I can think of is that they, in error, used my SSN ( XXXX ). Either way I have nothing from this company nor about this company and I am furious that I have to go through this. Is n't a company suppose to send a XXXX to the person who took a distribution? I want a copy of what was sent to the IRS. I need a corrected XXXX or income statement and I need a written statement stating this was an error. I have searched via the internet and found 2 phone number, left messages and no one has gotten back to me. I need this corrected ASAP.
FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX XXXX  Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. 
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX