WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of negative information on my credit report, which does not belong to me. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to Transunion. Transunion responded by deleting 1 of the 2 negative accounts that did not belong to me, they stated that after the investigation they have found that I was responsible for one the accounts which is XXXX XXXXXXXX XXXX. Thats it, no evidence or proof of their investigation.
I applied to Quicken Loans for a HARP LOAN. 
The self assertive " Loan Expert '' kept insisting I was not eligible for this loan. 
I explained that I was already " Approved '' for this loan. I mentioned XXXX Bank and was looking for a lower rate. She assured me this was not possible and perhaps these " other loan officers '' were not " honest ''. " She was an Expert '' and knew about eligibility, however, if I sent the paperwork over to her she would be good enough to " review '' their info and inform me of the error. 

It was a good thing I did NOT go along with her " Expert Opinion ''. 
I got a HARP loan for the house XXXX. 
( NOTE : 2 banks approved this loan!!!!. ) It closed in a little over four weeks at an interest rate that was much better than the former rate. 

I wonder how many thousands of people Quicken Loans and XXXX, phone # XXXX XXXX XXXX ( The Expert ) have turned away from this valuable Federal program. 

It is a shame that these people are turning consumers away from this program claiming to be " EXPERTS '' in the field and literally telling people that their data is incorrect and they do NOT qualify for a program when they know darn well they do. 

The " EXPERTS '' what would we do without them???? 
Please look into this. 
I will be reporting it to other agencies. This must be a violation of Federal Law. 
XXXX XXXX
This is in regard to a XXXXBestBuy Credit Card handled by Citibank. My wife and I both have a XXXXBestBuy card. On XXXX of 2016 we mistakenly made a payment on HER account instead of MINE. This resulted in a 30 day late on my credit report. This would not ordinarily be a big issue but we were right in the middle of closing on a new house. I called them, explained the situation and they could clearly see we actually MADE the payment but to the wrong account. They adjusted the late fees and credited the correct account but my loan officer and underwriter needed a letter from them saying the payment was made to the wrong account or that the payment was n't really late. They absolutely would NOT give me a letter saying anything close to that. Every fax the sent me took either 3 hours or 72 hours because it had to go through the legal department. When they did finally promise to send a letter that would work, we had the seller, closing attorney, realestate agents and everybody waiting for them to send the letter. After 4 days of waiting, I called back and guess what? The letter does n't even exist so they never sent anything. 

I am a XXXX XXXX and have been buying from BestBuy for me and my family for years. It used to be my favorite store and I have spent thousands there but if they ca n't help a longtime customer not lose his dream house over a simple mistake then that tells me they do n't give a XXXX about us as people. They want us to spend our money and shut up and if they do something to ruin our lives they do n't care. My rental was spoken for when this happened and no I ca n't close on my house. We do n't have enough money to stay in a hotel for long so unless a miracle happens my wife, kids and me will be sleeping in our car all because BestBuy and CitiCard will not give me a simple XXXX letter!!!!!
I disputed a Public record with Trans Union and sent them proper paperwork showing that XXXX XXXX NC Courts dismisssed the judgement against me and my credit report still shows it.
I disputed a charge of {$720.00} for carpet cleaning with Barclay. Barclay denied the claim without doing a reasonable investigation of the claim. The service provider for the carpet cleaning did not clean the carpets. I provided photo evidence that the carpets were not cleaned and an invoice from a separate company showing that I had to pay someone else to do the job. Barclay refused to consider this evidence and solely relied on the company 's assertion that the services were rendered. This is in spite of the fact that the invoice that the company provided notes that the work was not done. I did not accept the services, the company charged me regardless of that, and Barclay refused to research the matter appropriately.
I found a charge on my Discover card statement in XX/XX/2017. A purchase of {$950.00} to a mower shop in another state around XX/XX/2017. At the time I was using the card along with my son to help him move out of state for college, was a very stressful time when a child moves away and never noticed the charges until several months later. I called Discover and disputed the unauthorized charges and they immediately refunded me. A month later I get a call from Discover that they couldn't identify the purchase as fraud so they put the interest and charges back on my account. So I did my own investigation gathered all the XXXX shipping statements called the merchant then sent all this to discover. They did nothing and lead me on thinking they are doing an investigation but all along they did everything to avoid me. So far no phone call no email nothing. I called again and got the same answer will open another investigation 3rd one! no one there can explain or give me a reason why they wont refund the fraud charge other then being several months old. Every other credit card would contact you for suspected fraud if a XXXX dollar purchase was done. They are suppose to have a zero fraud guaranty. They don't want to deal with talking to customers or help them out in anyway. They rather get you off the phone to give you a false set hope they are investigating the issues but all along just putting me off. I've been in customer service for 30 years and I never had such horrible customer service then discover card. They lie there is no such thing as zero fraud guaranty!
I was informed by another credit monitoring company that a former creditor is still purposely reporting inaccurate account status information to TransUnion Credit Bureau. This is my third time reporting this company. The company is XXXX XXXX XXXX. The company repossessed their vehicle back in 2014. The company is intentionally report inaccurate account status information as " failure to pay '', 30 days late, 60 days late '' when I no longer have the vehicle and the vehicle has been re-sold. I do not owe this company anything. The account status should be Repossessed-Closed. Would you please help me? This company is purposely decreasing my credit score. This is fraud and abuse.
This is a matter of a mortgage company failing to perform due diligence. 
Upon receiving my monthly bill from XXXX Gas Company. There was the following notation : '' This Is Your Final Bill. '' I contacted XXXX Gas ; who informed me that Nationstar Mortgage Company requested the gas service to be discontinued! 
I do not have a mortgage with this company ; and I was quite upset with the XXXX Gas for honoring such a request without obtaining any type of verification. After doing some investigating on my own-based on my knowledge of my neighborhood ; I discovered that Nationstar Mortgage Company had foreclosed on a home that had a similar address- except it was Place rather than Street. I immediately contacted Nationstar Mortgage Company. I was instructed to send written notice to their research department- informing them of the obvious error. I sent a letter to their offices located at XXXX XXXX XXXX XXXX in XXXX, Texas. So far, I have not received a reply from Nationstar. 
I was required to obtain a new account number from XXXX Gas Company. i was angry with XXXX Gas due to the fact that they require individual account holders to verify their identity prior to allowing access to an account. Apparently, this process is waived for mortgage companies! 
Today, I found that Nationstar has done nothing to correct their records ; when XXXX men came to my home to take pictures of the " foreclosed house! '' I directed the men to the correct address. So far, they have not returned to my home. 
I am at a lost as to what I should do to protect myself! 
I am afraid that Nationstar will attempt to evict me from my home! 
I have attempted to contact Nationstar by telephone. None of their employees seem to know where to transfer my call, or provide me with any helpful information! 
This company should not have the ability to discontinue a utility without providing the necessary verification of ownership/ right to do so! Additionally, Nationstar Mortgage appears to have a very lax method of conducting business.
On XX/XX/2018 I sent a letter to XXXX XXXX XXXX explaining to them That I am XXXX and my ONLY income is XXXX from Social Security, which is exempt from collections. I also sent my award letter from Social Security. I asked them to remove a collection from my credit file which is causing my credit to be poor. They responded with a counteroffer of reducing the debt 25 % of {$3600.00}. I am on XXXX permanently. I am unable to work for the rest of my life due to poor health. I called on XXXX at XXXX am and explained it to 2 different people. The last man I talked to told me he would look into it and call me back. I have not heard anything from them yet! It is XXXX. They gave me 30 days to respond and when I did they didnt respond back to me. Tomorrow will be 30 days as of XXXX
NCC business services is trying to collect a debt in the amount of {$3100.00} and the original creditor is stating the debt is only {$1800.00}, but the original creditor and NCC business services has not provided a move out checklist with documentation of damages or lease details that confirm the amount they are trying to collect. In the state of MO Property managers are required to send a security deposit letter and a list of damages and proof of damages in order to collect the amount. Neither the collection company nor apartment complex did so. I have requested this information for NCC Business associates on several occasions and when I call to get this information provided to me they hang up on me. They have removed this from 2 of the three credit bureaus and I need them to removed this invalid information for XXXX as well.
I have have attempted to repair my credit score for the last 3 years regarding a paid collections. I called XXXX in regards to my cell phone did not work properly in late XX/XX/XXXX. I was advised to pay extra on my bill to see if the system would repopulate somehow for my service to work. That did not work and so I changed providers in early XX/XX/XXXX. I paid the early termination fee and then in XX/XX/XXXX, I contacted XXXX in order to paid was turned out to be termination fees that I had gone to collections. The charges were over 200 dollars and I had paid another XXXX dollars to " satisfy '' the account. After the fees of XXXX dollars was paid, the derogatory mark still has been reporting to the three credit agencies. I can contacted XXXX, XX/XX/XXXX, to only have their representative tell me " it will only be on there 7 years '' as if this is not a big issue.I have had to pay more on interest rates over the last 3 years, due to having to explain each time why the collection, I.C system, still should on my report. I have reached out to I.C systems and was told that only XXXX can remove the report by simply contacting to do such. I have contacted XXXX, as recently as XX/XX/XXXX ( XXXX XXXX with 52 minute call duration. 16 mins spent on hold ) -XX/XX/XXXX ( XXXX XXXX with a 42 minute call duration on the first attempt was hung up on ). I will seek damages since my credit score has not been seen less than adequate due to this.
I was contacted by American Education Services. They say I cosigned a loan but they cant give me information because my birthdate doesnt match their records and i would need to send proof of my birthdate. How does a cosigner get approved with an incorrect birthdate. I have never been contacted till now. The applicant said she has received no statements in over a year at the time {$700.00} was paid and the statement said XXXX balance. Now they want to put me as cosigner on the hook for $ XXXX they claimed is owed after sending the applicant a statement with zero balance. 
If there was a $ XXXX balance why wasnt I or the applicant contacted for payment. They asked me to send a copy of official proof of my birthdate before they will release information to me as cosigner. When the credit check was run for cosigner that should have been a red flag that the birthdates didnt match and denied.
about 6 months ago I was put on social security XXXX for advancing XXXX . 
I have been contacted by Credit Control LLC in XXXX MO ( their client is resurgent who I have never received anything from ) and I explained to them in writing my health issue and my income is much lower, they want me to send them social security information, and medical information, XXXX home info, I am willing to send them my XXXX payment statement ( I will not put my social security number on it though ) And I will not send them medical, my doctor said he would write a message to them, but he does not want to be contacted by them. 
Nor do I want him contacted to verify anything more this is my private health info and I do not want them contacting Social Security to verify. Is this legal what they are doing?
My wife and I received a random promotional phone call one evening from American Express. We agreed to the terms of 9.9 % and stopped using our XXXX credit card, as we were in the middle of flipping a home. The home is now cnear completion and we went to pay the XXXX balance off. In so doing, we were notified the 9.9 percent agreemnet was never activated. Statements are included to signify when the offer became effective. We called and were moved up the chain of command 3 times, to only be told, " Even if the promotion was valid, it is no longer and would not be in effect now. '' This is after we asked them to screen the recorded call, at the lower levels of customer service they denied any such promotion ever existed, and approximately 3 hours of nonsense. We closed the card, gave them any reward points and will keep paying it down until we actually have the agreement honored and pay what the implied- verbal contract is. We want to pay them what we owe them in full, not more.
I have askd for debt validation and all they keep sending is a final bill that I have no knowledge of ... I have not received a signature contract
There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : Synchb/XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : Synchb/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : Synchb/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up.
In XXXX or XXXX received debt collection letter from Portfolio Recovery XXXX for a supposed debt to XXXX XXXX. I disputed the debt, which was then closed and a letter sent to me in XXXX XXXX stating such and with XXXX balance. I recently checked my credit report because Portfolio Recovery XXXX. XXXX XXXX XXXX sent me a new letter XXXX XXXX, XXXX, from the same forgiven debt, same amount {$410.00} ; offering me a chance to settle for {$270.00}. I still have in my possession the original account closing from XXXX, and the debt is on all XXXX of my credit reports with different dates of submission. I 'd like to have this permanently erased from my credit, and perhaps have XXXX fined for their illegal practices. I would think they would have the original discharge from XXXX. XXXX T.
Coldwell Banker Mortgage /PHH Mortgage made an unauthorized withdrawl from my checking account and ca n't find the payment in their system.
Equifax after several complaints about incorrect information involving   XXXX   XXXX  ,  XXXX   XXXX ,   XXXX   XXXX   Equifax keeps opening closed accounts and showing us as overlimit on a closed account while I and my wife are in chapter  XXXX  bankruptcy. the following is occurring without proper correction,   XXXX   XXXX   should be open and current and is showing closed and  one  missed payment we have never been 30 days late ever on it,  XXXX   XXXX  showing open and current they are closed and part of chapter  XXXX  to be discharged when chapter  XXXX  completed.   XXXX   XXXX   started open and 109 percent over the limit now its shows closed and  109  percent over the limit. all this is totally incorrect and driving my credit down below what it should be with misinformation. and after continually disputing them all the they can find is the debts are mine. well duh they refuse to make the correction without admitting errors
On XX/XX/XXXX there was a debit from my account for {$210.00} that caused my account to be overdrawn. On this day, there were absolutely no other transactions pending. They reordered my transactions, causing 4 overdrafts instead of one and even charged overdrafts on the charges that had already cleared. I work in banking and I am well aware of the reordering. This is absolutely not to insure " the most important transactions get paid first '' As the charge that over drafted my account wasn't even paid anyway.
I am a victim of identity theft. I have previously disputed this information with ChexSystems however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
This number keeps calling me but never leave any messages on who they are or what the call is about.
I have XXXX business loan agreements with Financial Pacific Leasing at {$5000.00} each The loans were acquired through a broker. The terms were presented with very misleading and deceptive language. I was told the loans had no pre-payment penalty and I only had to pay 36 equal payments. I was also told that there was no pre-payment fee. I am unable to acquire the following information from this company either on the statement and the website. 
1- Will not show a pay-off balance 2-Verbal payoff comes to {$21000.00} ; that 's over 50 % interest, which amounts to loan-sharking / If the broker had disclosed this information to me, I would NEVER have agreed to either of these loans! 
3- Neither the statement nor the website will disclose my current balance due and they will not tell me how much I have already paid. 
4. One of the products had to be returned and the company REFUSED to correct the documents and change the financing.
XXXX XXXX, XXXX Approval letter given XXXX XXXX, XXXX - earnest money {$1000.00} was given to XXXX XXXX agent XXXX XXXX, XXXX - Nation 's Lending withdrew an appraisal fee of {$440.00} from my account. XXXX XXXX, XXXX - Nations Lending withdrew an additional {$59.00} from my account for an appraisal cost. XXXX XXXX, XXXX Denial of credit letter received from Nation 's Lending. XXXX XXXX, XXXX - Anticipated closing date. Talked with lender XXXX XXXX about situation. He stated all funds should be returned to me. XXXX XXXX, XXXX - talked with XXXX XXXX 's manager who stated appraisal fee would be returned but earnest money should come from agent. No date of when this will happen. No communication since this date and no funds returned.
HI, my complaint is about a modification that I got back in XX/XX/XXXX, and now that I have put my house on the market and went to closing on XXXX XXXX, XXXX there has been a big problem with the mortgage company the I got the modification with, My realtor and the title company has not been able to get the pay off balance from this company, because they keep coming up with different situation preventing the title company from getting this pay off balance, and this company charges me an additional 10 % of the proceed in which I amto received from the selling of the house, and I received a XXXX from them in XX/XX/XXXX in the amount of {$8800.00} during tax time, this is just a big mess and they are just ripping off innocence people that are in the need of help, I got laid off of my job in XX/XX/XXXX and got more hours to work on my part time job to make ends meet, so now as it goes, I will receive a little of nothing after this loan company takes the proceeds and If I am not mistaken it was 6 % and it has increased to 10 %, I 'm sure that I am not the only one with this problem so please, please help me, because I this that this company taken the advantage of certain races or all, and all the people that are working with this account states that they have never heard of such in all of their working with mortgage /loan companies. Thank you so much for your time
I had a grandfathered fixed rate card who I established with National City back in XXXX. My rate by PNC was just increased and they said it was due to the prime rate increase and would not listen to me that I had a fixed rate card. PNC is actively engaging in consumer fraud
Two y ears ago I was contacted by a attorney 's office for the SUV that I was financing 2 years ago I sent the SUV back to the financing company because the SUV was not in working condition the financing Company Auctioned the SUV I do not know how much was the difference I owe from auctioning the SUV I did subm it three paym ents to the attorney 's office on good faith 2 years ago I stop submitting payment two years ago because I am unable to pay the {$50.00} each month I did not tell the attorney office I am currently a social security recipient I receive Social Security benefits monthly because of good faith of what I owe Do to my financial income and  XXXX  recipients I am unable to pay what I owe