WillisBack/dataset-financial-user-claim huggingface dataset:
Opened a few investigations in negative credit reporting of ninety days late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until XXXX XXXX, 2017 ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until XXXX because I had no clue that I was in repayment until XXXX. The statements were being sent to the XXXX University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all XXXX credit bureaus. I could not have put my account on e-statements because I just created an account with XXXX XXXX in XXXX. The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.
I was checking my existing report on what I owe. I just notice a cmre finance service was listed out of nowhere. This was added and I never got any report on them and just saw I had a balance! Balance of what? This needs to be corrected.
On XXXX/XXXX/2015 I made a request for VALIDATION of Acct # XXXXat SENTRY RECOVERY. The client has requested this account beclosed. Received a letter on XXXX/XXXX/2015 Stating this. copy of letter inside. It is XXXX/XXXX/2015 and this account is still being report to the credit reporting agency.
I called Bank Of America Bank several of times and spoke to different managers and filed a complaint with them multiple times about the inquiry that they have put on my XXXX credit file on XX/XX/XXXX, a member of their branch office which pressured me while I was there inquiring about some fees that I was being charged for. 
When I was there the lady assured me an approval for a new credit card, she was pressuring me to do something that I was not wanting to do. She asked what my credit score was and she tried getting me a new credit card, I told my score was low but she said do n't worry its good enough, she said you will be approved for a new card with that score, she came back and said you will get something in the mail. 
After trying to resolve this now I 'm filing a further complaint.
I returned and paid all XXXX XXXX satellite services equipment as they advised me if I do n't want to be billed for their equipment it must be returned. They shipped me free boxes and labels to return their equipment and told me as soon as I returned it they would send an email once they received it. After they received it I got XXXX emails stating the equipment was returned XXXX, and XXXX XXXX. It is now XXXX I received a bill stating that I owe them {$960.00}. I told them I have n't had an account since end of XXXX. They ignored my letter I wrote them, now as of XXXX XXXX I got a new collection debt on my report from AFNI which they bought this debt from XXXX. I told AFNI that this was not my debt I do n't have services with XXXX anymore since XXXX. Why is this now illegally on my credit report as I do n't owe anything, they were paid for services that I had and billed me for {$500.00} of equipment but stated upon received they will remove it. As of today I am obviously being billed XXXX for something that is not mine as I do n't have any account with them anymore. Why would XXXX years later something falsely like this appear on my credit report.
When trying to get prequalified for a loan, the mortgage person I was working with told me that there was a charged off loan on my report. I was quire surprised since I pride myself on paying all my debts and having good credit. 

After numerous calls to various representatives at Bank of America, with whom I keep a high outstanding balance in my credit account I was given a statement which showed that I took an ODP advance in XX/XX/XXXX of {$100.00} that was paid off in XX/XX/XXXX. Subsequently there was an ODP advance in XX/XX/XXXX of {$100.00} and another one for {$200.00} on XX/XX/XXXX ; The statement shows a regular payment on XX/XX/XXXX of {$75.00} and then the balance was charge off in XX/XX/XXXX for {$230.00}. 

Since I did not remember taking out the ODP loan or the overdrafts, I asked for the legal obligation which showed that I took out the loan. After five or six transfers, the representative said that I should file a credit dispute. Since it has been at least 45 days since this request was made, I am forwarding this complaint to you for your assistance. During my most recent call Bank America gave me a reference number of XXXX
This complaint is regarding XXXX and information derived from the credit breauras. One of my issues is that i am constantly denied housing in the XXXX XXXX- XXXX XXXX XXXX . Public information is being reported about me that is either inaccurate, Can not be proven or is either out dated. For instance, This XXXX charge " XXXX " case # XXXX occurred in XXXX/XXXX/XXXX which is beyond the statute of limitations which is ( 7 ) seven years to be reported.However, its being reported more than a single instance on a report. Also, The charge of " XXXX '' case # XXXX dates back to XXXX XXXX XXXX, The charge of " XXXX " case # XXXX too dates back to XXXX/XXXX/XXXX, and the charges of " XXXX '' case # XXXX, XXXX case # XXXX and the charge of XXXX case # XXXX are all outdated information that is still being reported. Also XXXX and exquifax are not accurately reporting my current mailing address properly which is XXXX XXXX XXXX XXXX North Carolina XXXX. I ask not to be judgmental i was a innocence man XXXX and is attempting to restore order to his life.
Our mortgage company has shortened our escrow account severely, we have tried contacting them to speak with the manager ; no one has contacted us to workout a solution. They have emailed us back admitting escrow shortage was entirely escrow department 's fault. Instead of coming up with the fair solution they want to make payment arrangements ; this is not fair to us ; we asked them back in XX/XX/XXXX if our mortgage payment will change they said they will do an escrow analysis and let us know ; no one got back to us. 

This year, we received small refund back from our taxes ; we made extra payment of {$2400.00} to cover our two months ( XX/XX/XXXX and XX/XX/XXXX ) mortgage ; servicing department took our monies and applied toward XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$1400.00}. We did not agree to any arrangement with them ; we told them not to use that monies for anything it is to be applied for our XX/XX/XXXX and XX/XX/XXXX payment. they are not calling us to talk to us ; we have requested a manager with proper degree and work experience to call us because we have questions about the escrow shortage and the amount for escrow fulfill are coming from. we need to work numbers with the real person either on the phone, in writing or in-person. Our mortgage company is giving us a heck of a time. 

In attached files, it shows payment history our account was sold to Statebridge company on XX/XX/XXXX ; since then we have been making the payment of {$1200.00} and little bit more towards our principle. In XX/XX/XXXX, Statebridge company decided to lower our mortgage payment by {$100.00} ; when we questioned why they lowered our mortgage payment a mortgage service associate told us they have paid all of our taxes and homeowner 's insurance and turned out that they have collected extra in escrow. They did n't take our PUD taxes in to consideration. Because of their mistake our escrow is shortened. We are requesting CFPB to step in and help us resolve the solution.
I originally opened my card in  XXXX    XXXX   and they granted me a {$1500.00} credit limit. That was very low at the time so I contacted them and asked if they could increase it. They said that I had to wait  six months and  that at that time they would review my account for an increase and most likely I would  qualify due to my high income and excellent credit. It has now been six months and I called them to increase the line and they once again refused to increase the line but did not give me a reason why. They then tried to coerce me into keeping my account for another six month s in order to potentially have the limit increased. My other credi t cards range from 10,000 to 20,000 credit limit but this card is only 1  500. Citibank lied to me   when I opened the account stating that if I kept the account f or six months that I would be eligible for a limit increase. I then told them to close my account and they transferred me from representative to representative trying to avoid closing my account. I asked them five different times to close my account and the account is still not close d. I would either like the account permanently closed or the limit increased to at least {$5000.00}. I have never been late on any of my payments, I keep my credit limit below 20 % of the limit, and I pay the card in full every month.
I have recently been having trouble with disputing hard credit inquiries that I have discovered on my credit reports. Specifically with XXXX I feel that they are not really abiding by the Fair Credit Reporting Act because I have submitted several disputes and I keep getting the general response " Inquiries are a factual record of file access .... '' They have not initiated any kind of investigation into the fact that several companies have pulled my credit reports and I can not recall giving them the authorization to do so. I have filed disputes on the following dates : XXXX-17, XXXX-17,XXXX-17, XXXX-17, and XXXX-17 just to name a few and I keep getting the same response explaining to me what an inquiry is. I have also filed disputes with Transunion & XXXX to get all unfamiliar inquiries removed and have not been able to get any results. As a data furnisher I believe it is the responsibility of the Credit Bureaus to be sure that they are reporting true information and if it is disputed it should be properly investigated. If information can not be verified then it should be deleted. If for some reason they believe that these inquiries were initiated by me I would like to be provided with proof. I have also contacted the creditors before I ever filed a dispute with the credit bureaus and they advised that I dispute the inquiries with the major bureaus.
XXXX Inquiry XX/XX/2018 - Transunion and XXXX is reporting - This was an unauthorized inquiry not authorized by me.
Deed for my property XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) received on XXXXXXXXX ( XXXX XXXX XXXX Equal Housing Lender NMLS ID XXXX Home Lending Officer-XXXX Virginia. XXXX, VA US effective XXXX. No escrow/financing is available for XXXX XXXX XXXX ). Deed for ownership of The Estate at XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) Deed for price points earned with XXXX ( Product Development ) through XXXX. I have decided to use the third-party clearing agency, XXXX XXXX due to life insurance policies being used as collateral by XXXX XXXX XXXX. I would like to issue a lien for her estate in XXXX, VA until a payment is made. I would like to report an {$300.00} penalty for unauthorized use of deed. This document is for official business use only. I would like to associate the IRS link from XXXXXXXXX with this document ( https : //www.irs.gov/XXXX ). This link also traces to the First Quarter Income for XXXX dated XXXXXXXXX in the amount of {$200.00} XXXX. My mortgage with XXXX XXXX has been overmodified. The reconciliations have been made. Please reference the IRS judgments issued on SEC report XXXX dated XXXXXXXX and the attached document of VHDA penalties for XXXX XXXX. I would like to adjust the judgments for XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three parties will be responsible for a judgment in the amount of {$83000.00} that totals {$250000.00} for life securities fraud. Each party will be responsible for a yearly payment of {$2300.00} for the next three years. The payments are to be made monthly in the amount of {$190.00}. XXXX XXXX 's total judgment is a {$XXXX} XXXX payment for the next three years. She is responsible for a yearly payment of {$500000.00} for the next two years. Payments are to be made monthly in the amount of {$41000.00}. XXXX XXXX is responsible for quarterly payments in the amount of {$560000.00} to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX ) until the {$XXXX} XXXX balance is paid in full. All other judgments are as imposed. A quarterly audit will be imposed on XXXXXXXXX. There should be a discharge for all properties effective XXXXXXXX. There should be no lien on my properties. Insurance for all properties and entities are covered through XXXX XXXX. An amount of {$34000.00} should be left after closing costs that were computed and sent to the FDIC yesterday upon appraisal of my property XXXX XXXX XXXX, XXXX, VA XXXX.
Receiving multiple repetitious collection calls from collection agency on my sons account that is in collections with New Era Asset Management. Called me XXXX/XXXX/16 at 4 separate times from XXXX different numbers XXXX and XXXX between XXXX and XXXX. On all 4 calls received during that 8 minute period, no messages were left requesting a call back. 4 calls from a collection agency in 8 minutes is collection harassment. Especially since no messages were left. In addition, this collection account is actually in my sons name, but he did approve for me to speak the them on his behalf. I spoke with them 2 days in a row in attempt to resolve the collection account balance, but there is no need to continuously make harassing repetitious phone calls.
Experian Credit Bureau lists one of my previous addresses as : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. This is incorrect. I have never lived there before. It was an old work address, not my residential address. Experian needs to delete this address from my credit report.
Mortgage servicing company is trying to trick me out to assess NSF fee inspite of receving the mortgage payment for the month. There were XXXX mortgage payments made in the month of XXXX 2015 my mistake in e-bill payment. Mortage company was notified about issue immediately about it. Customer service rep at Mortgage company informed me that XXXX payment will not be cleared and not to worry. But after a week Mortgage company sent me letter with NSF fee. I have contacted that mortgage payment was already paid for the Month of XXXX 2015 asked to remove the NSF fee. But Mortgage company is is not removing the NSF fee. I would like CFPB to help me in removing NSF fee and alert consumers of the unfair trade practice of the Mortgage Servicer.
My wife and I contracted with XXXX XXXX XXXX to purchase a new home in XX/XX/2018. Our credit was verified at that time. The house was not started until XX/XX/2018. Our credit was run again by the builders mortgage company again in XXXX prior to the start of the home. I advised them that there was no need to run the inquiry because the home was not started and the existing report was good for 4 months. The home is still not finished and they are now going to have to run our credit once again. I have asked that they remove the inquiry, however, they stated they did not know how to do this and advised I would have to handle. The lender admitted to me that she made an error by checking our credit prematurely. We are asking for help in having this inquiry removed from both my wife and my credit report.
XXXX dollars XXXX in fraudulent charges were made using my non-chip credit card number despite the fact that the card was in my possession. I have spent hours on the phone with Citibank over the past several weeks reviewing these charges. My card was cancelled and a new card issued. Citibank does not dispute that they are fraudulent but they continue to show as charges I should pay on my statement. In addition my online statements show no activity on my new card at all so I can not see what I need to pay this month. They want me to manually calculate the charges I owe subtracting the fraudulent charges I 've reported multiple times already Citibank say that if I miscalculate I will owe interest on any underpayment.
I Checked my report and noticed Barclays account still reporting. I paid this balance and negotiated a deletion which was agreed upon. However years later, this account is still reporting negatively. I dont appreciate being lied to because this is grounds for a law suit
Hello, I was a victim of Transunion 's inquiry removal/reinsertion issue and they have refused to remove the illegally inserted inquires after I called their customer service center. Their customer service would not help and take care of the negative inquiries shown on my credit report.
Send debt validation letter on XX/XX/XXXX. Debt validation letter was delivered via USPS certified mail on XX/XX/XXXX. Company has not responded. 

Tracking number : XXXX
Bank of America Home Loans provided incorrect information as to where I should wire our down payment for our new home. We ended up following their instructions and wiring the money and were informed later that the funds had n't been received. Our funds are currently in limbo as a result of Bank of Americas 's complete incompetence.
Paid out through XXXX XXXX XXXX , XXXX who sold the debt not owed anymore to XXXX XXXX earlier this year. I wrote to XXXX XXXX that they bought debt that was already paid and I provided the list of dates and payments made to XXXX ( XXXX  bank ) and they continue to call my phone daily XXXX among other numbers they use.
We have a mortgage loan through USAA Federal Savings Bank. We need federal Form XXXX to prepare and file our XXXX tax returns. USAA has failed to timely prepare and post for their customers a complete Form XXXX. We were promised by USAA representatives that they would post complete Form XXXX on their website on XXXX XXXX, XXXX. However, as of XXXX XXXX, XXXX, USAA has not made a complete Form XXXX available to us.
Good afternoon : Experian erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX
At least once a day for the last few weeks, NCB management calls my workplace and continues to do so after both me and my boss have asked and then told them to stop.
I initiated a loan modification XX/XX/XXXX. The process took over nine months to complete. The lender agent advised me that no payment was due during the process and never sent delinquent notices to collect the monthly payments. Upon reviewing my credit report, I discovered that the lender reported my account delinquent for the duration of the review process. After being a customer at Wells Fargo for over 10 years, I would think that they would not compromise my credit rating ; however that is not the case and now I am suffering a lower credit rating due to it.
Pulled credit report on creditkarma.com prior to filing bankruptcy. Grant & Weber not on report. Filed bankruptcy at the end of XXXX. Went to court in XXXX. Started getting emails about a new item on my credit report. Found Grant & Weber updated my credit report twice for the same XXXX XXXX account that was included in the XXXX bankruptcy, XXXX update was for {$200.00} and second update was for {$200.00}. This account shows active since XXXX but only appeared on my credit report after I filed bankruptcy. I contacted my lawyer who was unable to have the collection activity stopped. I recently filed a dispute with XXXX, the item was completely removed from my credit report but I feel it was never supposed to be there to begin with. The collection account is also from a hospital which I 've never seen a hospital bill appear on my credit report. I also find it strange that almost immediately after filing Chapter XXXX a fresh item of debt was added to my credit. I begin to get phone calls threatening to take me to jail, I ultimately had to change my phone number.
I will like to flile a claim against XXXX in the amount of {$59000.00} for a debt of student loans! I would like XXXX to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of XXXX XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for XXXX to reach out XXXX, XXXX  and Experian and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!
I called Experian to add a permanent credit freeze on XXXX, 2017 at  XXXX. 
Experian instructed me to pay {$10.00} to remove a temporary credit freeze, and then pay another {$10.00} to add a permanent freeze. I should have only been charged for adding a permanent credit freeze. The online selection for a credit freeze should be a one payment selection.
I have no knowledge of any accounts with XXXX XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.
I applied for a {$400.00} loan on XXXX XXXX 2016 with big picture loans was told that i would qualify for a reduced rate of payments of {$100.00} every 2 weeks signed documents online then went to view documents the payments changed to {$140.00} every 2 weeks for XXXX payments then for XXXX payments it is raised then slowly goes down and the interest rate is higher than was told it is 704.9185 %
On XXXX XXXX I sent CMRR ( XXXX ) for debt validation to XXXX XXXX, as I had no idea what this debt was on my Experian report. XXXX XXXX never responded. I disputed with Experian numerous times between XXXX and XXXX. XXXX XXXX XXXX I sent Experian a Certified letter, again, requesting explanation of this debt they 'verified ' ( Certified XXXX ) Experian always comes back as verified. I even called and spoke to a customer service rep for Experian and he was going to look into it. 2 days later, the debt is verified again. I 've written to Experian asking them to show me how they verified, and this has not happened. What is happening is that they are clearing in violation of the FDCPA.