WillisBack/dataset-financial-user-claim huggingface dataset:
Gateway Mortgage District Manager XXXX XXXX recently listed a house w/ XXXX XXXXr- XXXX XXXX that my wife and I were interested in. We had got our prequalification done months ago so we could move forward w/ an offer as soon as we found a house w/our prequal amount ( {$300000.00} ).  Soon after we submitted our offer XX/XX/2018 our agent called me to inform me there is a note on the internal portion of the MLS listing that requested the buyer to go through Gateway for their prequal. I told my agent that why do they need this if we have already prequalified and she responded that the seller ( Gateway Mortgage ) was just looking to prequal w/ them and to talk to us so we could go forward. My agent also sent me a phone # for a loan officer XXXX XXXX XXXX to give him a call and see what he had to say. I asked our agent does this mean they are taking my offer for their house and she said she would ask ( she texted listing agent and called and got no response ). My wife and I went  ahead and called XXXX. He started the conversation by telling us we could do the prequal over the phone or on line. My wife told him she did not think it was necessary and also did not feel comfortable giving the seller our personal info. At this time XXXX said he would keep it private even though his manager is the seller of the property. When we asked about his relationship w/ XXXX he said they were co-workers. When my wife asked why we would need to redo a prequal XXXX responded that it was to make sure we had qualified for an amount to cover the loan and the seller felt more secure if the loan was a local lended. This is when my wife assured him we were w/ a local lender and that he must empathize w/ us being put in this awkward situation. He said he recognized the lender and said he was just doing what was asked from him from the seller ( his manager. ) and implied that if we did not go ahead and get a prequal letter from his company that the contract may not go through. We ended the call soon after he told us of his weekend availability. Two minutes later we received a text from our agent that our offer was rejected. I asked my agent today XX/XX/XXXX for a copy of the inter MLS portion and she said they removed the mortgage steering language from the listing since Friday.
Barclay Card Arrival was XXXX of cards that our family use regularly to accumulate points for travelling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for a cruise with our XXXX young daughters in 2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first.
XXXX XXXX is reporting a business card and debt as a personal debt. It was never reported on my personal report until it went delinquent. They must either report the entire history ( over 2 years of positive history ) or remove completely from the repot. 

Also, since it is not a personal debt and was never personally guaranteed I want proof of a personal guarantee which they have refused to give me since it doesn't exist. 

I have tried several times through them and XXXX XXXX and Experian to remove this or correct it and they refuse. This is contrary to my rights. I want this rectified. Thank you.
I first rec 'd a statement from both XXXX and Hunter Warfield stating that my owned balance was {$580.00} ... statement date XXXX/XXXX/15 from XXXX and XXXX/XXXX/15 from Hunter Warfield ... Now they ( Hunter Warfield ) saying that the balance is {$640.00} which is a difference of {$59.00} ... No explanation given at all. 
How is it that I receive XXXX statement and then turned over to collection less than 4 days later? The problem is that I was never given a chance to review, confirm or dispute their charges ... What happened to the 30 days I am allowed to dispute or pay and the other statements I should have rec 'd from XXXX XXXX XXXX XXXX XXXX which is owned XXXX XXXX XXXX XXXX? The 30 days was allowed in the letter dated XXXX/XXXX/15 but not extend to me and now being asked to pay a different amount than from the beginning ...
Since 2008, I have kept very close monitoring of my credit ; however, in the past several years I have requested annually " free '' credit reports AND scores, but have NEVER received any score from any of the three agencies. When requesting both, there is a box to check for both, but when the report is received it literally says, No Score is included with no information on how to obtain that " free '' score without having to '' jump through more hoops '' and sign up to pay for it on another website. 

When calling the three agencies, I have been put on hold for more than 30 minutes to an hour and have NEVER received an answer or a response as to why I can not get my credit score as well as my report. The most notorious of the three reporting agencies is XXXX. You must sign up on line and pay for your score. 

Withholding a consumers financial history, in my opinion is equivalent to withholding critical medical information from a consumer that can assist them in improving their health. Consumers lacking easy access to their personal financial evaluations ; e.g. scores and reports does NOT allow them to negotiate effectively with lenders, but more importantly benefit from lower interest rates etc. they have worked so hard to EARN! I maintain excellent credit ; however, anytime I have applied for a loan of any kind, the lender has ALWAYS had a " lower '' score than I was aware of which they use to increase my interest rates and thus costing me hundreds of thousands of dollars over the years! 

What is the point of withholding or making it nearly impossible for a consumer to obtain credit scores AND reports, but to give lenders and corporate entities a financial advantage over the consumer? If consumers are allowed BY LAW to have these reports annually, the three major reporting agencies should be abiding by these laws and not continuing to put barriers in the way of consumers obtaining critical financial information. And, if found in violation, these three agencies should return the hundreds of thousands of dollars lost to consumers since the receipt of a free annual free credit report and scores to consumers was signed into law.
I requested Validation for a Bankruptcy that isn't mine, XXXX was verifying it was verified I contacted the court was told they don't have or provide any information to the credit bureaus, I was notified this was removed by my credit monitoring the inaccurate bankruptcy was removed between XX/XX/18-XX/XX/18 & without notice from XXXX was placed right back on the same day with no notification or reason why? this is a violation of the FDCPA & FCRA I am requesting this removed immediately or my next recourse will be legal assistance, This information isn't accurate.
I was a resident of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX Fl XXXX from XX/XX/XXXX to XX/XX/XXXX - - Upon moving suddenly due to a job loss, I was told I owed an egregious amount ( XXXX ) that I am not acknowledging or accepting without proper documentation on behalf of XXXX XXXX. On XX/XX/XXXX I sent my first email to the property asking for clarity on the charges and documentation on how this incorrect number was put together, I did not get a response.. I submitted a letter to XXXX XXXX XXXX on XX/XX/XXXX ( I have receipts etc ) - after reaching out for weeks and months via phone and email to no avail- In this letter I submitted photographic evidence of the state of the apartment before and after my occupancy and requested a delay in credit reporting due to what I'm sure was mistake in accounting. A few days later I received notification via a delivery receipt that XXXX XXXX had indeed received my letter, I also received a credit alert stating I now had an open account in collections in the amount of XXXX. Very Very shortly after on XX/XX/XXXX, I finally receive an email from the property manager -XXXX XXXX- now informing me that they had made a mistake and that the correct balance is actually XXXX. Which is a very far cry from XXXX - I did receive a breakdown to how that number was formulated but after this circus I am not sure of these charges either. Naturally, I am very apprehensive about if this number is correct, especially since if I would have been told the " correct '' number I very easily could have paid, but I was unwilling to send 1700+ at the wim of simply being told that is what i owed, when I knew the contrary. I feel XXXX XXXX is practicing shady business ethics and I am requesting receipts for the " Tile/Grout cleaning, Broken Blind replacement, carpet replacement, and drip pans '' - I am also requesting this be removed completely off of my credit report, largely in part to me being given incorrect information after repeatedly calling to get the correct information to avoid this hoopla. I am needing to find a home for myself and my son, and this extreme hindrance is not only very inconvenient, I'm pretty sure it is illegal.
This debt was paid before charge off. The vehicle is no longer in my possession and the vehicle was purchased over 7 years ago. Payments received were more twice more than the car 's value. The amount collected and still pursing to collect is fraud and twice the value of the vehicle.
PNC Bank routinely charges overdraft fees when accounts have NOT gone into negative status! On XX/XX/2018 at the end of the business day our account did not go into negative status but on XX/XX/2018 PNC charged us with a " ghost " overdraft fee. I say ghost because they didn't report the fee in transactions history until Monday XX/XX/2018. I immediately called on XX/XX/2018 and was told I had to wait for a call from the escalation department. XXXX XXXX was the escalation person who called Monday XX/XX/2018 at XXXX XXXX  CST. After discussing the issue and providing him with evidence he refused to reverse the charge.
My son 's PNC Bank account was fraudulently hacked by some one depositing a check in his account and withdrawing the money before PNC realized the check did not clear. Because my son is a college student and does not work so no money is deposited into his account on a regular basis, PNC withdrew the monies owed by this fraudulent check from my account causing my account to not be able to pay my rent fur to the bank taking my money. Heedless to say. this has caused me all sorts of financial hardships.
Made XXXX monthly payments, and was then unable to make payments due to change of work. Bank calls multiple times a day on " Robocall '' and then a person answers.
Paypal sends out XXXX XXXX offers a few times a year whereby if a customer spends a certain amount of money during XXXX transaction within a stated timeframe, the customer will earn a statement credit on their future statement. In 2014, I activated and completed XXXX offers during the end of the year XXXX XXXX & XXXX XXXX. I waited for my future statement to see if my statement credit posted to my account and found no statement credit given to me. I contacted Paypal customer service to inquire about my statement credits due me, during the end of the year. The customer service representative I spoke with was an outsourced employee in another country that spoke XXXX, but had no understanding of the XXXX XXXX vernacular and kept making the wrong understanding of what I was trying to explain to her. She kept thinking I was complaining about a charge on my account, even though I was telling her I an missing the statement credit promised to me for completing a purchase offer. I became frustrated and hung up. Then I sent and email, with the hope that an American would read it and understand my concerns. Instead, I received an automated response email about promotional financing and interest charges. Below is a short copy/paste of that email : Question about promtional financing and interest charges ( XXXX ) : XXXXXXXXpaypal.comXX/XX/2014to meHello, Thanks for your email. We 've created this immediate automated response to help you learn more about promotional financing and interest charges. 
If the information below does n't answer your question, please reply to this email or call us. 
A. What is my APR? 
B. I was offered a promotional credit for paying with PayPal Credit. When will I receive it? 
C. How can I tell if my purchase has promotional financing? 
D. How do I avoid interest on my promotional balances? 
E. How do you apply my payments to my account balances? 
I became frustrated and just decided not to use paypal anymore, because I feel that they offer statement credits just to get customers to use their credit for the purpose of earning interest payments and never truly have the mindset of giving a statement credit!
When I tried to make an account at the XXXX XXXX XXXX XXXX, they said I could not complete the process because my Equifax credit report information was not consistent with the information I provided for them. My birthdate on the credit score is incorrect : It says my birthdate is XXXX/XXXX/1981, when I 'm really only XXXX. I do n't understand what exactly is going on, and I 've yet to get the answers I 'm looking for. I just want them to correct the birthdate so that I can apply for an account with the XXXX XXXX XXXX XXXX.
My Navient Student Loan account is currently holding open and accruing interest on 5 loans that I was told were closed on XXXX XXXX according to the U.S. Dept of ED-XXXX. These loans were from the University XXXX XXXX and were supposed to be closed not transferred to another lender. These loans total {$17000.00} that was not discharged and closed but transferred and hidden among other student loans.
There are several hard inquiries on my credit report, and I did not authorize them. Also, there is a paid lien that needs to come off, and the XXXX on my report was not me, and is past the statute of limitations, and should come off. I asked a credit fixer about it, and he said because the debt was bought by another company, they restarted the incorrect date. Please review my credit report and fix these problems. Thank you for your help, Sincerely, XXXX XXXX
there is a hard inquiry on my report from a company called barclays bank delaware that i have never applied for credit or never heard of this item should be removed ASAP and there is something wrong when i try to sign in to file a dispute all the information on the page is all wrong i'v never had any of them accounts and it wo n't let me log in i want this fixed please it 's ALL THE WRONG INFORMATION ABOUT MY MY PAST
I was sent a letter from Wells Fargo, received on XXXX XXXX, 2015 but dated XXXX XXXX, 2015, stating I had {$2300.00} in a Cash Management Account and it could not be applied to my payment because it was short. This was my first notification of this short payment or any notifcation whatsoever that I had a cash balance. I called and spoke to XXXX XXXX, who is the single point of contact for my mortgage account. He advised me on a phone call between the dates of XXXX XXXX that Wells Fargo would be issuing a check in the amount of {$2300.00} and I should receive it in 2-3 business days. Today, in my follow-up conversation, they are now stating that they can not return the funds. I believe this is illegal on Wells Fargo behalf to have held funds without notifying us for 4 months, agreeing to send the check last week, only to rudely treat funds sitting in a XXXX account as if it were legally theirs. Every other time in my life, when we were short on payment, they issue the check immediately with a letter. Ironically, the letter notifying me of the cash balance in my account was the same week the Department of Justice announced the {$81.00} XXXX settlement against Wells Fargo for this same type of abuse, lies, deception, paper shuffling and illegal fees to our accounts for decades.
All  XXXX  credit reporting agencies show a balance of {$37.00} on a credit card account ending in  XXXX  under  CBNA  sinc e 2011. I do not have an account like that and I certainly do not owe any account since 2011 and have not received an y notification of such a debt. I want it removed from my credit reports.
I am a victim of identity theft, Someone attempted to apply for many different credit cards and loans. Which left me with 15 hard inquiries that negatively affected my credit score. I have sent letters to each credit agency as well as the 3 major credit bureaus and requested them to be removed. 
Here are the companies and dates and what they were for : 1. XXXX, Inquiry from XX/XX/XXXX, Personal Loans Cos 2. XXXX XXXX  XXXX, XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
3. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
4. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 5. XXXX XXXX, Inquiry from XX/XX/XXXX, Finance 6. XXXX/XXXX, Inquiry from XX/XX/XXXX, Bank 7. XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
8. XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
9. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
10. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 11.XXXX, Inquiry from XX/XX/XXXX, Bank 12 . XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
13.XXXX  XXXX, Inquiry from XX/XX/XXXX, Bank 14 . XXXX XXXX XXXX  XXXX, Inquiry from XX/XX/XXXX, All Banks 15. XXXX/XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos.
I get a collection on my credit report for {$81.00} that I do not recognize and what no award of. I never received any communication about this bills and I want this account to be closed and removed from my credit report immediately. I do n't like that anyone can access my credit information and report bills that I do n't even recognize.
I was trying to figure out how these address on my credit that are not mine. 
I live at XXXX XXXX XXXX, XXXX, OH XXXX this is my only address. please delete all others. my employer is XXXX XXXX. Please remove any other employers. 
my DOB is XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX
They called someone and told them I had a title loan and my payment was due. It costed me my marriage and income. they are on my recorder, saying how sorry they was for doing it, but now the damage is done. Because of this my truck is being repo by XXXX. 
If they would not have broke thier confindentalaility contract agreement I would have My truck paid off with them, but instead they are repossing my truck. 
So unfair
XXXX XXXX account was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.
Re : Loan # XXXX Dear Sir or Madam We were denied for an application for loan by a bank for a negative account which is so called " 3x30 rolling mortgage late for three consecutive months ''. We heard this in shock because we have had perfect credit history and always pay our bill on time. We checked our credit and found out the problematic account is the above mentioned one and it is the mortgage service company XXXX XXXX XXXX XXXX  who reported this matter to the credit agencies, which damaged our credit. 

We did some research and found out this mistake should have been avoided if they have a better communication with us. They notified us a rate change onXX/XX/XXXX for the increasing of monthly payment, and we updated our auto pay setup beginning from theXX/XX/XXXX. We thought there would be no more change for half a year according to our loan terms. Since all our payments are set up for automatic paying, we did not usually go to check the account until we get proper notice. However, They increased our payment again on XX/XX/XXXX ( from {$1300.00} to {$1400.00}, with a {$43.00} difference ) that we were not aware of. We kept out payment for the amount that you notified us on time every month, until the month of XXXX when we were aware of the new change occurred on XX/XX/, we paid the extra to catch up the shortage and their fees. This is the reason that we were " late '', but it really is just a mistake on both the bank and our side. And the so called " late '' is JUST A VERY SMALL POTION OF THE PAYMENT, FOR {$43.00} Giving the fact that we have kept our payment every month on time, and the unpaid partial amount is relatively very small and they charged us for that late fee, we have paid the price for the mistake made. they have many chance to communicate with us either by phone or by email or by mail, but they had chosen not make to such effort for their due diligence before they report to the credit agency, we believe they did not do a good job in service their customers, and their procedure is problematic. 

We hope this would explain what happened and they would understand we never under any intention or difficulty or dishonest to not paying all our obligations on time. we never had any problems with our payments. Indeed from our credit report, you shall be able to see we have a perfect payment history if they did not cause this problem. 

Having said the above, we sincerely hope they could correct our record in all the credit agency so to restore our good credit. We advise them by phone, by email and mail that, because this mistake caused the denial of our bank and, consequently, we lost a big business opportunity, the damage might be very serious. If this dispute could not be resolve, we reserve our rights to resolve it in the court of law. In the phone they promised to make the correction but several month had passed and no change happened at all If you have any questions about this matter, please feel free to contact us at your earliest convenience. Please call me at XXXX, or email us at XXXX. Your prompt response would be really appreciated.
Original loan is for {$900.00}. Payback amount is {$4100.00}. I feel that this is in violation of Usury laws in the state of Oregon. They are also not licensed to loan in Oregon.
I deposit a check into my account for {$2800.00}. I had an available balance of {$4300.00}. I spent {$2500.00} out of the {$2800.00} check. I spent it at XXXX. Than I I had {$1900.00} of my own money in my checking account still saved from my school that I had received. I looked at my available balance and it was XXXX. I called my bank and I was told the check I had deposited was a fraudulent check and I should wait seven days for it to clear. Within the seven days the check still did n't clear and the negative balanced remained the same. I was told the check was returned and I had to pay a return fee plus the negative balance ; so I did. I want to know why did n't the bank teller at TCF let me deposit the check without telling me it was fake. She did tell me that she can not cash the check and give me money back but she can put it in my account for me. It never cleared or went through so I had to pay them back.