WillisBack/dataset-financial-user-claim huggingface dataset:
I paid my mortgage via the banks online payment system with the amount of XXXX got the confirmation number provided on XXXX XXXX. The payment was supposed to be withdrawn on XXXX XXXX. Somehow the bank cashed my check but it was never paid to the mortgage Co. I contacted M & T bank regarding this issue and they said will investigate and give me my refund. I had to pay the mortgage company a second payment via telephone. 
They kept on charging me overdraft fees for NSF. Actually the funds were never returned and everything fell apart. In XXXX 2015, they refunded my money but they flatly refused to refund my overdraft charges. I just want to know why did it take so long to refund my money. They refused to answer my questions and refund my overdraft charges ( XXXX x XXXX )
A lot of breaks and defects in the chain of title. Subordination of Mortgage dated XXXX Document # XXXX : Waived priority to XXXX XXXX Mortgage XXXX as evidenced in documents. According to XXXX XXXX Mortgage, the mortgage is a XXXX mortgage : When I put in The MIN # XXXX, it directs me to XXXX. I put my name and Social Security Number in the boxes to submit to investor which directs me to XXXX as investor. XXXX XXXX, XXXX Verification of debt for home equity account is JPM Chase. XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX, I requested PROOF OF OWNERSHIP REQUEST documentation. Specific information is in the listings As of this date, none of these request for information have been. I do know what is listed in XXXX XXXX Records namely the above waiver and the XXXX XXXX Mortgage with XXXX A XXXX document # XXXX is evidenced XXXX as present legal owner. A list of statements have been sent to address this issue. Chase claims to be investor and owner of document XXXX XXXX.
XXXX Inquiry from XX/XX/XXXX I spoke to XXXX They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX. A Total of 15 points got pulled from my credit and this issue was NEVER Fixed. I am demanding in 30 days that " XXXX '' " TRANSUNION '' AND " XXXX '' Delete this from my records. Please see the attached Information from XXXX and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XX/XX/XXXX and should of been removed then, XXXX Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX " XXXX you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. XXXX Told me that they contacted Transunion, XXXX   AND XXXX for removal back in XX/XX/XXXX - They never removed this from my credit nor has XXXX Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

XXXX / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as XXXX Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...
I
have been using Credit Karma for awhile now to get my credit report and help keep a eye on it it needed repaired and i have been working so hard on getting it back up agai  n, I want to say i 've used them for a few years now, they give you all your stuff thats reported on your credit report for free, good deal right!! NO, When you 1st log onto your accounts they have recommendations of loans, credit cards ect, I do have my own Credit cards, well i thought it was time to apply for another as my score has went up some and i 've been making on time payments for awhile now, so i go to the recommendations and i choose one, I apply i get turned down even tho it said my odds were good at getting approved for this card, this was last week, I go again today and i think I 'll try for one more card my odds were good again I get denied, Now they use everything in my credit report to give me these odds on approval rates, Now I have   XXXX   references on my credit report for credit based on their recommendations so now it will take a few years to get these off here, I do not pay for this service but i would like to please have this checked on, I do n't think they should be able to use it against me since i went on the advice of a company and took their word for it, They are sopost to give you good advice and this ended up not so good!
if you go to www.creditkarma.com with log in with my email  XXXX  password  XXXX  and check out the page it will clearly show you under recommendations which cards i have good approval odds for they are even still listing the cards i got denied for as good odds, even after being denied!
XXXX XXXX - XXXX - XXXX - Goldman Sachs My original loan ( re-fi ) was processed by a lender that had no license, in a bar with no notary present. The Mortgage Broker had no license - his Broker lied and said he did the loan - I never met the man. The Illinois XXXX XXXX of Banks and Real Estate said the Managing Broker of this Company will never have another license in Illinois without answering to this complaint. He is now doing reverse mortgage in Florida last time I checked. The person who did my loan has a cease and desist order against him in Illinois for other financial deals. 
My loan had a pre-payment penalty addendum - I asked the Lender over and over - no pre-payment penalty correct? Yes, he answered over and over - HE FORGED MY NAME. - The very Document they are sueing me with is a forgery. 
My lender told me my taxes and insurance were included with my payments - I circled the language during my signing of the papers - TAXES AND INSURANCE WERE NOT included in my payment of {$1200.00} per month. I paid more than {$26000.00} to get, my mortgage out of foreclosure. I was told by the Attorney representing the Mortgage Company it would be illegal to take my check if it was not every penny I owed to get my mortgage up to date and out of foreclosure. They took my check - the Judge dismissed my suit. 
One month later the Mortgage company sent me a notice that my account was still in arrears more than {$8000.00} - surely there must be a mistake as this is illegal, right? 
My mortgage increased from {$1200.00} per month to more than {$2600.00} per month. I paid the mortgage as long as I could hoping to get this straightened out. 
In 2010 I received a trial modification - 3 months which I paid successfully - and was denied a permanent modification - as the " INVESTOR '' did not approve. 

I NEED a permanent modification to save my home! I was told today by XXXX 's Representative I {$50000.00} payment would need to be made to obtain a modification. I see that XXXX is not on the list of HAMP/HARP Servicers - but the Owner is Goldman Sachs as I understand it as it has been for quite some time. Transferred to another servicer owned by Goldman Sachs. 
I am on my XXXX Attorney to fight this loan - and each time the Attorneys say I have a case. XXXX Mortgage is getting very close to getting a judgement against me as my Attorney is XXXX and seems to have given up. I need help getting a loan modification and help with this situation.
I disputed an incorrect date on XXXX XXXX with Transunion for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted Transunion and they said they sent a letter to XXXX XXXX on XXXX XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to XXXX. I have been getting the run around since XXXX and no one seems to not know what to do. FInally in early XXXX, someone responds to the bbb complaint and says they re loaded my account information in XXXX and the credit companies should see it. I contacted Transunion only for them to tell me that they ca n't see the account in XXXX, and I need to tell XXXX XXXX to complete an re insertion by contacting Transunion marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of Transunion and XXXX is telling her that XXXX XXXX was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in XXXX XXXX, and I will attach a screenshot of the notification of the account being deleted.
American Express reported my account late as 30 days when it was only 5 days late.
I had a credit card a few years ago that was sent to a collections. I called to set up a payment plan to start paying it off and was told the balance was XXXX. in XX/XX/2016 I started making payments of XXXX and at this point have paid XXXX. I called to find out the remaining balance is thinking its XXXX or so and they are now telling me i owe an additional XXXX . I asked them to provide documentation and was hung up on. So I called back again and they said they could not provide the balance and they charge everyone 12 payments of a XXXX until the balance is paid off but could not tell me what the balance was when it was sent to collections or what was added onto the payment. I asked to speak with a manager and was once again hung up on. I have pulled a my credit report and its reflecting the charge off was XXXX. I received a email from Transworld Systems Inc. stating i needed to make 12 payments of a XXXX even though i only owe XXXX even with interest it does n't make sense why they are charging me a extra XXXX nor will they provide any documentation as to what i am being charged for. I am trying to pay off this debt and they will not provided me with an accurate pay off nor are they being honest of what the extra XXXX is going towards.
XXXX XXXX XXXX XXXX has a signature loan that is currently open an in good standing. On the credit report with XXXX, Experian and XXXX it shows the account is collection/chargeoff. The payment was behind 2 months but has been brought current.
From XXXX XXXX, 2015 to XXXX XXXX, my group used XXXX rooms of a hotel in my name. 
On XXXX XXXX XXXX XXXX, I checked out. 
On XXXX XXXX, I checked through my credit card statement that on XXXX XXXX, the hotel charged {$200.00} over my credit card as a penalty. The reason was we XXXX in the no XXXX room. 
The hotel charged the penalty on XXXX XXXX, not XXXX, 1 day later we checked out. 
If the hotel claims that they checked the room on XXXX, at the day we checked out, this means the hotel kept my credit card information without my permission even after my check out. 
The hotel should have charged the penalty on the " XXXX '' not to violate the Laws of Payment Card Industry Data Security Standard. Therefore, I request the full refund of {$200.00} from the hotel.
Transunion and/or its Attorneys, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX notified XXXX XXXX XXXX by mail in regards to a settlement for improper reporting. XXXX XXXX declined to settle the matter because all or most of what was on her credit report was disputed in regards to public records and there are several missing accounts that are not reported and this may be due to the injunctive relief granted to Transunion to not report such accounts.
XXXX in XXXX is abusing elderly clients who use their customer service because they believe the states of our nation are unrecognizable and those of us whose accounts are compromised, they will never deal with ones complaint because they feel XXXX is a foreign country.
Huntington 's ATM was down in  XXXX   XXXX  Ohio. Due to this I had to use another bank 's atm. I was charged a huge atm fee of  XXXX .
I contacted Experian recently to dispute a trade line entry in the credit report Experian compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. Experian indicated that the dispute would be investigated and a response provided within 30 days. Experian closed the investigation without addressing the substance of the dispute ; rather Experian performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that Experian allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; Experian is facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. Experian has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. Experian 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!
XX/XX/XXXX Netspend sent a charge back from an online gaming website for XXXX XXXX  for XXXX XXXX {$10.00} XX/XX/XXXX deactivated account through XXXX XXXX XXXX ( XXXX  ) for won charge back at that time I had paid XXXX and cash XX/XX/XXXX Netspend credit {$5.00} for XX/XX/XXXX XXXX  coins XX/XX/XXXX complaint about money left on account XX/XX/XXXX {$110.00} credit Netspend XX/XX/XXXX XXXX  XXXX XXXX {$280.00} credit I had 2 prepaid account through XXXX and was unaware of the multiple transactions from XXXX XXXX XXXX XXXX I recently received $ XXXXcredit from XXXX for partial from XXXX I went to Netspend requested remaining balance on XX/XX/XXXX XX/XX/XXXX Netspend decision was because it was after 60days I can't do anything that unfair this website is aware of my complaint of the unauthorised transactions and not dispute the refund its Netspend were my account is i haven't dispute charge back with XXXX  XXXX XXXX with XXXX I don't understand if the company is will refund why can't the company i trusting my Money with didn't notice these multiple transactions I don't receive monthly transactions please help on what is it that I need to do I can't let this company just keep my earned hard money thank you XXXX
My home was flooded with Hurricane Harvey. I requested forbearance with Bank of America. I have come to learn these months of rebuilding my home, my mortgage is being reported negative.
This were an XXXX XXXX bill that was deleted from my credit report and now it appears on my credit report by another company which should not have happened.
I have a Bank of America credit card which I have had for XXXX20 years. I have a credit score of XXXX and a credit limit of {$12000.00} just for your information. I have never owed them money as they allow me to pay in advance so I always have a small overpayment. On XXXX XXXX, they decided to refund my credit overpayment of {$200.00} and charged my account for that amount. The check which they mailed to me took so long to come I called to complain and the customer service department told me they could stop payment on the check and issue the refund to my personal bank account. They issued a refund and then debited my Bank of America Credit card and refunded my card and debited it so many times like bouncing balls but I know I am still out {$200.00}. I 've spoken with XXXX people at BOA who ALL told me it is their fault and a refund will be coming. But today XXXX XXXX at the Escalation Dept. told me I wo n't be getting the money. I will not let this rest I am also going to contact XXXX XXXX the CEO of BOA. Imagine how they treat people with less stellar credit. It 's a disgrace.
Said company " XXXX XXXX XXXX '' has refused to validate an alleged debt that they continue to report to all three credit bureaus. I have contacted the company back in XX/XX/2017 requesting validation of the alleged debt they claim I owe. Upon sending numerous letters requesting the company send me a ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. Upon further research I have come to the conclusion that a ) this account is closed. b ) the account has been sold to a third party collection agency. Also upon my own research the third party company is not the company reporting on my credit file. It is XXXX XXXX XXXX account number XXXX that is on my credit file.How is this? The account has been sold they are no longer in possession of it. As per FCRA this is ILLEGAL. XXXX XXXX no longer has the debt, it has been placed with a new office. This is unacceptable, first off XXXX XXXX has refused to validate the debt as I requested which is my LEGAL RIGHT, but they are also continuing to attempt to collect on a debt they no longer own. Please be advised that under the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. Also be advised FAIR DEBT COLLECTION PRACTICES ACT Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgement, or name and address of the original creditor, is mailed to the consumer by the debt collector. Please see attached documents of the validation requests I submitted to both XXXX XXXX and the third party company as well as the refusal letter I received on their behalf. This is unacceptable and I am extremely unsatisfied with the outcome and response from XXXX XXXX XXXX and there blatant attempt to not follow the law.
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX COLONY XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it XXXX Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX. Box XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Dc XXXX from XXXX XXXX, XXXX XXXX Wire Inquiry from XXXX XXXX, XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX COLONY XXXX XXXX XXXX XXXX XXXX, FL XXXX
NWC reported information to XXXX, XXXX, and XXXX which was known to contain errors. NWC failed to promptly report corrected information to XXXX, XXXX, and XXXX. NWC miscommunicated the dispute with XXXX, XXXX, and XXXX. NWC failed to inform me in writing that it was reporting negative information to XXXX, XXXX, and XXXX within the required time period. After recieving a dispute, NWC failed to investigate and report the results of the investigation to me, XXXX, XXXX, and XXXX. After investigation, NWC failed to MODIFY or DELETE the item with XXXX, XXXX, and XXXX. 

These transgressions decreased my credit score which increased the interest rate I received on my mortgage.
I'm in Tennessee and was married for 3 years to my husband that XXXX XXXX   in XX/XX/XXXX. He was diagnosed with XXXX XXXX in XXXX and only lived XXXX XXXX from his XXXX. AFFILIATED CREDITORS INC has reported that I have medical bills that have gone to collections. These bills were addressed in my husbands name only in the beginning. He XXXX XXXX. I noticed in XX/XX/XXXX that ACI put these on my credit report as well as changing the addressee name to mine. I have messaged them through their website and had one of their employees contact me via phone per my request. I explained that this was my XXXX husbands hospital bills. Our health insurance was under my employer, but I never signed any document saying I would be responsible for paying his bills. I was told by the Affiliated Creditors representative that this should have been on his credit report, not mine. She was going to reach out to her supervisor and call me back. Instead, I continue to get bills now addressed to me. Please have these removed from my credit report. I've worked hard to pay my bills on time. 

XX/XX/XXXX {$1800.00} XX/XX/XXXX {$950.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$910.00}
I never received notice from LVNV that I was being pursued for a debt. I did not sign any contract for services not any contract  with LVNV. Because o was not advised of my rights to dispute I paid a settlement to LVNV however o am not liable for any debt to them.
I have XXXX complaints. 1. I attended a school for to be an XXXX. The school XXXX XXXX XXXX closed and did not disclose that it was uncertified? The school Claimed that I would be taught to be a XXXX in 10 weeks. I paid {$12000.00} in student loan from XXXX now navient. 
2. My father co-signed for my student loan and navient refuse to Remove his name from the loan when the agreement called for him to be a co-signer for two years.