WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2011, I was involved in a car accident. The car was financed by Nissan Motor Acceptance. During that time, I never received any documents that the car was being sold for scrap. The car debt was sold to a collection agency. it is now with a new collection agency and the agency is threatening to sue. However, I have informed the agency that I did not receive any information from NMAC about the debt or car being sold. The agency has also refused payments. 
Recently, the debt was removed from my credit report and added back on multiple times. I have provided proof of this.
My problem is with CitiBank, I received a new card from them in XX/XX/2018, they offered a 0 % balance transfer which I took advantage of, I make all my payments on time I pay more than the minimum amount. I never received a statement from the bank until they sent me a collections notice in the mail, and during this time I was taking my husband to hospitals and numerous doctors as he is a XXXX XXXX   XXXX Veteran XXXX. I informed CitiBank that after my first bill, I always set up automatic payments, they informed me that they would remove this from my report but never did, my score dropped 60 points and it's the only derogatory item on my report and as I pay it down they keep lowering my credit limit to make it look like I'm always maxed out, which keeps lowering my credit score. This is unjustified. Thank you for any assistance.
We had posted our complaint letter dated XX/XX/2017 to you through US first class mail on XX/XX/2017. Since we have not received so far we would like to know whether you had received our complaint, if not we will send all the documents again. At present we are attaching the complaint letter dated XX/XX/2017.
I used to have a XXXX credit card from XXXX membership. Back in XXXX XXXX ended its contract with XXXX and transferred all the accounts to City Bank Visa. I received a letter form XXXX stating that all charges put on the XXXX card after XXXX, they would n't be able to generate a bill, as the billing would be transferred to City bank visa card. I had paid the XXXX XXXX to install a new unit in my home and called the owner explaining the situation and he agreed that I could dispute the charge with XXXX and pay him again with City bank card. XXXX took the money back from the merchant and sent me a letter. I paid the XXXX XXXX again with city bank Visa and did a balance transfer on XXXX/XXXX/16 paying off my balance with City visa. so I had XXXX XXXX XXXX XXXX balance with City Bank Visa. 
Soon enough I received a letter XXXX from Citybank Visa stating that I had a positive balance in my account. I told them to send me my money back, and gave them my routing number, " because it was faster '', as I had paid them already. I told them this was the money from the merchant that had provided me services. They also disputed the charges with the merchant ( now for the second time, after XXXX did it ), taking the money away from him, and messing up his account and reputation with his third party credit account charging. I called multiple times requesting these incompetent people to send me my money back XXXX XXXX, XXXX, XXXX, XXXX and XXXX ). They never called me asking questions about what happened and why the XXXX had dispute the charges. But they credited my account with {$4500.00}, so I can spend all this money on them. How wise! Instead, the fools call me asking you if I am satisfied with their services. Totally waste of time as they do n't provide any services to their customers. Until up to this date, they have not sent my money back, I provided information about my account XXXX different times and nothing happens. 
Since the beginning this city bank has been a real mess with the majority of the customers they took XXXX. There is no customer services at all.
I called the bank to ask them if they sent the message and if they did not how were these people able to attach a message to my log in ... .The Agent said it was probably a scam ... My screen went red and I was notified to call XXXX to fix the problem.
The end of XXXX start XX/XX/XXXX I called CONNS to get the number to settle, so I can pay off my account. They told me they no longer had the account and XXXX XXXX had my account. I contacted XXXX XXXX and they gave me detailed information about my account but said they no longer had my account but they will sent it to a supervisor see if they can take the payment. No one called me back, so I called again and they gave me the same information and told me someone will call me back and again no one followed up with me. I called once again and they told me conns has it. So, I contacted conns ans conns put in a ticket and said someone will call me. They called me and said they can not help me and XXXX XXXX has my account I would need to talk to them. I explained the situation that XXXX XXXX told me and they said they couldnt do anything even though they are the original creditor. On my credit report it shows CONNS reporting as the collection agency and the number on my credit report is no longer in service. Just trying to pay off my debt so I can build my credit and buy a home.
Midland Credit Funding Management/Midland Funding is the collection company that has misrepresent the amount of a debt in violation of the Fair Debt Collection Practices Act ( FDCPA ). I reached out to Midland to settle the old debt. In XX/XX/2016 the company sent a letter that indicated that I owned an amount of {$4400.00}. I responded with several letters between XXXX and XX/XX/2016 requesting to settle the debt. The company never responded to any of the correspondences, never offered a " yes '' or " no '' to my settlement request, nor did the company validate the debt amount they were claiming. However, what Midland has done is to report different and increasing balance amounts to all three credit bureaus. 
According to my credit report records the amount they say I owed did not start increasing until I reached out to try to settle the debt. In XX/XX/2016 the company was reporting a balance on my credit bureau account of {$5700.00}. In XX/XX/2016 Midland reported to the credit bureaus an amount of {$9100.00}. Then in XXXX Midland jumped the amount to {$10000.00} to all three credit bureaus. 
I have been disputing the Midland Credit items on my report with all three the credit bureaus for about half a year now. Finally, expecting my credit reporting for Midland to read correctly, my XX/XX/2016 XXXX credit report reflected the balance of {$4400.00}. But in XXXX Midland turned around and decided to change the account balance to {$10000.00}. XXXX representatives recognize the inconsistency and problem with the balance changes on my credit file.
As I write this I am in tears since being victimized by IDENTITY THEFT in XX/XX/XXXX and the credit reporting agencies failing over and over and over to remove fraudulent attempts to apply for credit because XXXX  breached my identity and they now have my : DOB SSN Current Address All three of the credit reporting agencies were sent VIA FIRST CLASS MAIL a request for 7 yr fraud alert along with copies of the XXXX Police Report filed after my identity was stolen. To date, none of them have put this 7 year fraud alert, and when the 90 day alerts expire, that is when the flood of fraudulent applications appear again as hard inquiries, which continue to plummet by FICO score and I have had to spend hours and hours with the creditors to tell them I did NOT apply for credit, or I have to cancel credit cards that have been used online fraudulently. I have gotten to the point where I have chosen to cancel credit cards because the banks that represent them have failed to secure my identity, and continue to let applications through even though their are security freezes and fraud alerts on all 3 credit reporting agencies. 


I had an average credit score of over 800 prior to XXXX ruining my score which has plummeted 25 points and higher because they REFUSE to remove the hard inquiries. 

I have screamed at XXXX and they said that they are EXPERIAN inquiries, and you have to contact them,, over 120 days ago I did just that after being flooded with letters from creditors saying they turned down my credit because of too many inquiries and applications for credit that I DID NOT do. 

prior to EXPERIAN being notified I was told I could put a security freeze, which I do have in place BUT they still have refused to remove the hard inquiries and now my FICO score has dropped 25-40 points since XX/XX/XXXX 

Now I am considering legal action by going to XXXX XXXX XXXX  reporters to help me get them to do their jobs and when the Trump Administration 's XXXX, your new Director dropped the complaints and investigation with CFPB on XXXX data breach and I am livid about that. 

I can't get any credit because after months the hard inquiries are still on my report. Experian told me they would do an investigation and remove them! They've done nothing expect ruin my life since I have to field weekly calls, letters, and emails stating I am applying for credit and is this fraud? 


that 8 hard inquiries were fraudulent and I provided a POLICE REPORT, I provided correspondence to make the 90 day fraud alert, permanent for 7 years
Bank of America - Acct XXXXXXXXPrevious Complaint # s XXXX, XXXX, XXXX, XXXXXXXXOriginal HAMP loan paperwork was sent to me that included the name of the original co-signer on the loan. The original co-signer holds no interest in the property, it has been quick claim deeded to me 100 % and the XXXX XXXX XXXX XXXX office shows only my name on the deed. The loan re-modification did not take into consideration the co-signer as to income and only my information was utilized. Final contract papers were sent to me in my name solely. However, recent mailings with regard to current operational aspects of the loan continue to contain the previous co-signer 's name. In a verbal conversation with XXXX XXXX on XXXX XXXX, 2015 at XXXX, I was told that : 1. Despite my sole signature on the current loan documents where I accept 100 % responsibility, the original co-signer would still be on the loan ; 2. XXXX XXXX in effect admitted to me that Bank of America had no intention of ever removing the second borrower from the loan, I told him what prior verbal agreements had been made and he assured me that I was incorrect and past information had been misrepresented to me as he had the correct answer and that despite what I signed he would only be removed if I refinanced the loan. This, therefore tells me that the paperwork I have been requested to sign is a willful misrepresentation of fact designed to get my signature and finalize a fraudulent modification. In prior conversations with past customer relationship manager XXXX XXXX a representation was made to me that upon completion of the final loan documents ( that hold my signature alone ) the original co-signer would no longer be on the loan. A verbal agreement was made on more than XXXX occasion and now I am being told something completely different. Bank of America has willfully misrepresented their position to me in an effort to obtain my signature under the guise of the loan modification, tendering only my name and not that of the original co-signer as agreed to by XXXX XXXX.
I have a VA mortgage that I started in XX/XX/2005. When Wells Fargo took over the mortgage they added an additional 10 years onto our 30 year mortgage without approval or explanation. They say everything is legit but the real big question is why has our home loan not gone down since we have been paying on it for almost 13 years now? Question two ... ... why would we restructure our mortgage for the same payment every month at a longer limit without trying to get money out of it for home expenses? Why ... .I will tell you why ... .WELLS FARGO is a fraud and liar to its consumers and they do nothing but cheat honest Americans!
Received credit report dated XXXX XXXX, 2017, Confirmation # XXXX which is currently correct. Information and score submitted to XXXX XXXX by Equifax is incorrect : Equifax reinstated XXXX XXXX as well as incorrect score of XXXX. Equifax subsequently stated that they can not change a credit score? Is that to say they WILL NOT correct their errors? ANY company that produces incorrect information, regardless of model used, should have the means to correct it. As of today the information is still incorrect. Screen print provided. Additionally, I logged into my Equifax account and all they provided without charge was that XXXX was the average score for my zip code. Otherwise, it was selling as usual ( screenshots attached ). 

So, I also request and grant permission to CFPB to actually pull my current credit report and score to have them on file in conjunction with any fine that should be imposed as well as additional evidence to support my subsequent lawsuit claims.
We closed on a new house in XXXX XXXX in XXXX, and right afterwards I wanted to refinance a house we still own in XXXX. I wanted to use Bank of America since we just used them for the new loan in XXXX. 

I was quoted a 15YR option at 3.375 % with XXXX Point, we locked in on XXXX/XXXX/2015, and yesterday XXXX/XXXX/2015 I was reached out to my loan officer saying she made a mistake and selected Single Family Home vs Multi-Unit Home when providing me the rate. Its a XXXX Home that is non-owner occupied since we do n't live in it anymore, and they knew this as it was all originally disclosed when we did the new loan for the purchase of the XXXX XXXX house in XXXX Now that we are two weeks out from closing they want to adjust the rate to XXXX with XXXX point or 3.5 % with XXXX points. 

Attached is the Loan Estimate for the refinancing, which mentions Non-Owner Occupied but nothing about SFH or Multi. Also attached was the GFE or original estimate when we were talking about 30 YR vs 15YR. 

I feel frustrated as now were two weeks out from closing on refinancing and they are asking me to just accept this when its not an error we made but Bank of America and I should have to pay for as it was an error they made and concealed from me. Looking over the 15 year loan this change will be over XXXX out of my pocket due to this rate change, now rates are at their 4 month high and I have no chance in finding a comparable rate that was locked in to me, not to mention the month and a half I have put into this and paid for appraisal already. 

Thanks for your help!
After disputing a debt from a collection agency company named XXXX XXXX over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from XXXX XXXX. I have directly disputed the credit bureaus XXXX, and Experian about XXXX XXXX claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus XXXX, and Experian with no knowm resolve as well. I have sent certified mail to XXXX XXXX   on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either XXXX XXXX nor the credit bureaus XXXX, and Experian.
I wish to add my name to the ongoing lawsuit against Navient. The former XXXX took over my already-excessive student loans from when I attended XXXX ( an institution already shut down for defrauding its students, including me ). Navient has continued for years to over-aggressively demand massive payments on these loans which should have been written off already, demanding *multiple* payments of up to $ XXXX on a monthly basis, despite my dutifully sending in a request for forbearance. 

I am the victim of fraud, twice over now, and deserve unconditional relief from these debts. Navient 's greedy harassment must stop.
I need to refi, extend term, etc on my student loan to make my repayment more affordable. I am a min wage person. I did not graduate from my school XXXX XXXX but have been struggling to keep making payments which I have been doing for over six years. RBS Citizens is my lender. I have tried to contact them but have had NO RESPONSE. I can pay some just not under the current payment terms.
On or about XX/XX/2017, Western Ohio Mortgage XXXX ( " XXXX '' ) denied my new construction/mortgage loan application as evidenced by sending me a Notice of Withdrawn application stating, " File incomplete '' as a pretense for discrimination. In fact, XXXX previously had received all required and necessary documents to process said loan within 45 days or less. On information and belief, I believe that I was treated differently based on my race, color, sex, marital status, age, and other forbidden factors when I applied for a new construction mortgage loan with XXXX. For example, XXXX refused to consider my reliable income from full-time employments as both an XXXX XXXX and XXXX   XXXX XXXX. XXXX rejected my new construction mortgage loan application because of my race, color, sex, marital status, age, and other forbidden factors. XXXX also imposed different terms or conditions on the new construction mortgage loan application as evidenced by accusing me of being a XXXX XXXX based on my race, color, sex, marital status, age, and other forbidden factors because I made a cash land purchase for {$40000.00}. XXXX required a co-signer after I had received the pre-approved letter and met all its requirements. XXXX rejected my new construction mortgage loan application after 45 days of submission of my completed loan application and caused a {$3000.00} increase in building price after XX/XX/2017. XXXX failed to tell me the specific reason it rejected my loan. XXXX caused me to pay {$450.00} for the property appraisal.
I went in to Rooms to Go to look at sofas for my home in XX/XX/XXXX ( this was such a minor thing I do n't even remember the date ) and was told by the sales lady that she was checking to see what I would be approved for and what kind of couch I can purchase. Fast forward to today ( XX/XX/XXXX ) and I get an email saying I have a rooms to go credit card with synchrony bank for {$2000.00}. I never bought a couch from rooms to go. The sales lady was very pushy and took a hardline stance that it was important for me to look at what I can afford through the store card. I trusted her and as a result I have a card I never wanted or was aware I applied for and adjustments to my credit.
I completed a Chapter XXXX Bankruptcy that started in XXXX and actually completed it in XX/XX/XXXX early. It is now starting to show on XXXX XXXX all these years and we are trying to refinance our home currently a XXXX XXXXXXXX XXXX balloon taken over by XXXX ( XXXX XXXX ) during the bankruptcy and the interest is 9.75 %. This on other reporting agencies is showing XX/XX/XXXX, either way, it is beyond the two years we started this process. We have liens that we are trying to remove from our deed, they are removed from our reports. XXXX XXXX should not just now be showing aXX/XX/XXXX bankruptcy that is completed as a hard negative impact on our credit.
I filed a dispute on XX/XX/XXXX with transunion about mistakes made by lenders and the delinquency was removed XX/XX/XXXX. However the credit scores are not corrected for the months since last XXXX when the mistakes were made to XXXX when I filed the dispute. And transunion agent told me the reason they don't correct the score of the previous months because the lenders don't look up the history records but only the current one. First time to hear that lenders only look at the current credit score when you apply credit or any kind of loans. Actually my credit card company drop my credit limit by {$6000.00} because of the negative credit report and I can't get back the original limit even the current credit score is back to good. Please indicat transunion about credit score correction. If you made mistakes on the credit reports you have to correct all the mistakes you made, not just for one current month. Otherwise I will be seeking damage here.
I am a victim of identity theft and someone opened up unauthorized and fraudulent checking accounts in my name and wrote bad and outstanding checks in my name using my personal information and stolen identity.
Do to wage loss- we fell behind and currently have a foreclosure date of XX/XX/XXXX. Midland Mortgage has not been very helpful w/ providing assistance. In XX/XX/XXXX, the rep said my only 2 options were 1 ) pay the balance in full or 2 ) get a short sale. Not until I called in XX/XX/XXXX w/ a HUD Counselor that they considered another option of partial claim. After applying & weeks of waiting- now they have stopped processing because my income is insufficient for partial claim. It should not have taken 3 weeks to review my pay stubs to determine that .... before making me gather all my bills, etc. Also, in XX/XX/XXXX they told me XX/XX/XXXX was my last modification and I have to wait until XX/XX/XXXX to apply for a new one. Technically, that would be XX/XX/XXXX. Only today, they changed it to say 2 yrs from the recorded date which is unknown to them??? " You can re-apply in XX/XX/XXXX and maybe we 'll be able to process it then '' she said- so uncaring. I have a foreclosure date of XX/XX/XXXX. What if it was recorded 2 months later? My house will be gone by then? I 've had this home for almost 20 yrs. And do n't want to lose it. Although it takes 6 weeks on average to record a deed, the purchase date is always used because that 's when you became the owner, responsible, etc. Everything is settled at closing ... not when recorded.
I tried to request a PayPal Cash Card but was told that my account was not eligible. I contacted PayPal customer service. They claimed that I completed business transactions, even though I have only used my account for personal purposes. The representatives advised me that I would not be able to receive the PayPal Cash Card but instead only the PayPal Business Debit Card. Without my authorization or permission, PayPal enrolled me in the PayPal Business Debit Card and mailed the card to my address.
This company has my cell phone number, which is why I 'm clueless as to why they keep calling my place of employment. My boss has asked for them to stop calling and tying up the phone lines. This has become a serious issue. They call my office at least XXXX times a day and every time my boss gets XXXX off. I need this to stop immediately. 
They have my cellphone number for a reason, and they are n't the politest people I 've come across they are very rude and call you a liar ... etc. Please help me resolve this issue this is ridiculous. This matter has been going on for months now.
Continued robot calls. Will not give me address of collector or admit it is collections agency. Hangs up on me when I ask for address. Calls several times per day for the past month. Requests information of me without providing any identification of their company. Have received no written correspondence from this company. 
Name of company is RPM : Receivables Performance Management. The number showing up on my phone is XXXX, a Virginia number.
I am a victim of identity theft and someone opened a XXXX Bank checking account using my personal information and stolen identity. The XXXX Bank checking account # : XXXX and the following inquiries removed from my consumer report : XXXX XXXX and XXXX