WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I did a deed in lieu of foreclosure back XX/XX/XXXX. The account was closed XX/XX/XXXX and our credit reports reflects that as well. But as we have recently applied for a mortgage, we 've noticed that the old mortgage company XXXX Nationstar Mortgage XXXX is now reporting on our credit file that the account has late payments in XX/XX/XXXX ... even though the account was closed XX/XX/XXXX. I have all the documents supporting the successful close of the deed in lieu with a XXXX balance. Myself, my current mortgage rep, and the credit bureau attempted several times to call Nationstar Mtg to resolve this issue but we were unsuccessful in our attempts, as they blew us off each time. What can I do? This is holding us up terribly from buying another home ... after we 've rebuilt our credit. We 've put down earnest money as well as had a home inspection done. HELP!
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
( Cavalry portfolio services ) This company pulled my credit report with out me giving them my consent. 
I called them and they keep saying they did n't but it 's clear they did because its on my report.
I have paid for an account in my name that I believe does not actually belong to myself. 
This account was with Jarad Gallery of Jeweler. This was in XX/XX/2013. I do not believe this was my account but an account taken out by my fiane at the time. Nevertheless this account was paid in full and on time to the best of my knowledge. I have tried for 5 years to have this error removed from my credit report and Jarad refuse to remove the 30 day late payment. 
This has negatively affected my credit and I am unable to obtain a mortgage due to the error on my credit report.
i refinanced my mortgage and the company is now refusing to cancel my PMI on the agreed upon date, which was in my federal truth in lending statement.
Checking account opened in  XXXX , met all required promotional activities such as {$15000.00} deposit kept in for 30 days and {$250.00} debit purchases within 45 days, account opened for longer than 5 months now, and no sign of my {$300.00} promotional bonus as promised to me.     Called several times, spoke to a supervisor. Promised to have the bonus by  XXXX   XXXX . Please help Citibank keep their word.
I took out loans to get a  XXXX  from   XXXX   XXXX   University - at the time, I did not know that the interest rates being charged were insanely high ( between 6 % and 8 % ). The original amount of my loans were about {$90000.00}. As a newly graduated   XXXX   XXXX  , I was only making about {$55000.00} per year and living in   XXXX   XXXX   XXXX   - I could not afford to make payments, so needed to go into forbearance. Because of capitalized interest, I now owe {$140000.00}. I am currently making payments of about {$900.00}  ( this is  a huge monthly burden ), and I am not making a dent in the balance - this is all going toward interest. I have pulled are report of the payments I have made, and over the years that I have been in repayment, I have paid close to {$250000.00}, but my balance remains the same. I feel that I will never be able to pay off these loans - at the rate I am going, the balance will remain the same for my entire life, and I am struggling to afford these payments.
On XX/XX/2017 I took a {$700.00} loan out with XXXX XXXX XXXX dba XXXX XXXX XXXX. 

After making several payments at extremely high interest rates ( 713.74 % ) I investigated the company. I discovered they are not registered to operate in the state of CT and what they were doing was illegal. I know that CT has the strongest laws in regards to payday loans. 

I contacted the company and told them I was revoking my ACH and I would not pay any more. They received {$1000.00} towards a {$700.00} loan. 

They did agree to close my account and mark it as paid.
I DID NOT applied to any of the cards noted below : 1 ) On XX/XX/2018,  received a letter from XXXX 's informing me that credit card application is denied. The reason given is " too many credit bureau inquiries ''. The cards are for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Credit Card. The credit bureau is Experian. ( Please see # 1 ) 2 ) Also, on XX/XX/2018, received a letter from Bloomingdales 's informing me that credit card application is denied. The reason given is " because you were recently declined ''. The cards are for Bloomindales 's American Express Credit Card and Bloomingdale 's Credit Card. The credit bureau is XXXX. ( Please see # 2 ) Please note that the address is wrong. 

3 ) On XX/XX/2018 I received a letter from Bloomingdales again informing me that credit card application is denied. The reason this time is " Unable to verify identity information ''. The credit bureau is XXXX. ( Please see # 3 ) Please note that my last name and the address is wrong.
I settled a debt with Midland Credit Management in XXXX 2016 relating to a XXXX account opened through XXXX XXXX XXXX XXXX. XXXX was reporting the account to the various consumer credit reporting agencies as a collection. When I spoke with Midland 's agent, I specifically asked him if Midland could request the credit bureaus delete the tradeline reported by Midland. Midland 's agent replied that yes, they could and would ask the credit bureaus to delete its tradeline after the account was paid. 

However, Midland did not do this. Rather, they simply re-reported the debt as " paid, '' which still leaves their prior negative information on my credit reports and negatively effects my credit scores. I was very specific in my request, and was told by Midland that it would delete its reported information. 

I feel as if Midland simply told me something to get me to pay an account, and had no intention of honoring its agreement. I am aware that Midland records all of its phone calls, so this should not be hard to establish.
I have the XXXX Amex card. It states that if you spend more than {$40000.00} per year you will be granted Diamond status with XXXX. I have my year end summary for 2018 and spent over {$40000.00} utilizing the Amex. I am happy to show my year end summary from their website. Nonetheless, they refuse to grant me Diamond status. This is clearly fraud on the part of American Express. I think the public needs to know about these deceptive and fraudulent business practices by American Express.
Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX Il XXXX This company took over our mortgage servicing in XXXX 2014 They were n't sending statements but we sent our monthly pmt ( principal and interest only on this loan ) We pay tax and insurance After a couple months they started taking a monthly escrow from our pmt making it look as tho we were not making a full pmt They also did not apply my pmts to our loan but held in what they call " unapplied funds '' I sent copies of my checks and tax and insurance receipts to their research dept ( with letters as well ) They closed that account and sent me a check with the money that was escrowed out ( that needed to be applied to our loan! ) I sent that back In XXXX oof their letters they were saying they were still waiting for XXXX 2014 pmt! They took over the loan in XXXX! They even sent us something saying that Then after a couple months they started the escrow thing again They send letters of defaullt constantly! XXXX were sent in XXXX this year XXXX was certified They charge MY account for their cert charge! Happened more than once! It is on our credit report as a delinquent loan We went to small claims court and was awarded {$12000.00} in damages They sent an attorney to represent Ocwen but he is not producing any action he promised to institute regarding bringing our account current I know this company is a disgrace to the industry We are distressed and need help We are never late or missed any pmts
I paid and settled a credit card account with capitalone for more than the amount the actually limit was for, however capitalone is reporting the item on all credit reporting agency as paid and settle for less than the amount. The credit card limit was only XXXX dollars, however on my credit report indicates that XXXX was written off. I have sent challenge letters and even notarized disputes to request for the negative tradeline be removed from all credit bureau agencies or update my credit report as paid and full.
In  XXXX    XXXX  , I received an e-mail notification from Bank of America that my account had been frozen. When I contacted them, they told me I had to speak to the law firm who put the restraint on my account. I contacted them and they told me they had a judgment against me, but I didnt know anything about it.     I went to a free clinic at the court and they looked up the case, but there was no judgment. They referred me to an attorney. The attorney told me that under state law, the bank has to send me forms asking if there is any income in the account that is exempt from collection when they are asked to restrain the account. The Bank never sent me this form, and some of the money in the account is exempt under state law. My attorney contacted the law firm and found out that there was a judgment against me in a different case, and when we checked the court file, we found out that the reason I didnt know about the case was because they had served me at the wrong address. My attorney is asking the court to vacate the default judgment, but because that can take a while, she also contacted the Bank and the creditors law firm to ask them to release my exempt funds from my account.     The bank refused to speak to her and said that they would only speak to her if I was on the line with her every time she called to give them authorization to speak to me, even though I had already given my attorney written authorization. I have  XXXX  and have been undergoing  XXXX  treatment for my neck. It leaves me very tired and affects my ability to speak. I had saved up the money in my account to live on while I was getting treatment, since I would not be able to work because it makes me weak.     Although they would not speak to my lawyer about my specific problem, they told her that they always send out exemption forms and if a customer calls them and says they did not receive it, they send it out again. The bank has my correct address, so if they mailed it to me, I should have gotten it. Because the bank refused to speak to her, the attorney sent them a letter with a copy of a retainer from me and explained to them that they had not complied with state law and that they needed to send me the exemption form and to release the funds that are automatically exempt under state law.     The bank still has not sent me an exemption form and they still have not released the money from my account.
I deposited a couple of checks on XXXX/XXXX/2016 for amount of XXXX $ and the bank made the amount available with in a time of 10 mins, but i waited one day to draw the amount after three business days the bank saying the checks are rejected and deducted money from my account. 
As per the rules, if the amount is more than {$200.00} the amount should not be available until the checks are cleared. 

I tried couple of times to speak with bank of america customer care, they are not responding, Simply placing my call on hold. After a couple of attempts I got one guy he said, we are sorry for that we would give you {$24.00} the fee which was taken for the rejection checks.And some are saying based on our relation we make the amount available with out clearing the checks. 

I lost {$2300.00} because of their fault, I went to deposit the checks in the bank, the bank teller make me to deposit in the atm and after three business days they said the checks got rejected. please help me on this issue. 

Thanks XXXX
Equifax - I can not access my credit report or file a dispute on line. Every time I answer their verification questions I am told my answers do n't match their information. However, I am able to pass the verification questions for the other XXXX credit reporting companies. This has been an ongoing issue for at least a year.
Good morning, I write this complaint with anger that had built up since I started speaking with employees from FedLoan. I filed chapter XXXX bankruptcy XX/XX/2012 and my student loans show as they were included in my bankruptcy but they were n't. My bankruptcy was discharged recently and on my credit report my student loans show included in bankruptcy but also show as a XXXX which I 'm being told is default status. I 'm trying to purchase a home and if it 's in default I 'm not able to. I spoke to XXXX # XXXX on XX/XX/XXXX and uploaded my discharge letter and a personal letter from myself and she advised me I would receive a default clearance letter in my email by Monday XX/XX/XXXX and the bankruptcy status would change in 7-10 business days I never received the letter and I called in XX/XX/XXXX and spoke to XXXX # XXXX and she said I will receive the default clearance letter by XX/XX/XXXX. I called back to confirm that information on XX/XX/XXXX and spoke with XXXX # XXXX and was transferred to supervisor XXXX # XXXX who then told me they ca n't tell me what day I will receive it nor can she tell me how long it would take to receive it. She was not helpful and did not put forth any effort to assist me and I 'm sure she could see all the notes on the account. Yesterday was XX/XX/XXXX and I did n't receive anything in my email, I called in and spoke to XXXX # XXXX who read the notes on the account and immediately gave me attitude saying well the supervisor told you it takes ex amount of days. I explained to him that I do n't care what she noted on the account because she would n't provide me with a date nor a timeframe and he told me everything should be done within 7-10 business days and I said so I should have it by XX/XX/XXXX then and he said the process takes 7-10 business days so it should be by XX/XX/XXXX. I 've been given the runaround ever since I have been calling and no one is on the same page and I should 've received the letter by now and no one can tell me why I have n't received it from the first request. I 'm disappointed in the service that I received from everyone thus far. I need my letter so I can purchase my home.
We attempted to refinance our existing mortgage with US Bank. The refinanced mortgage was denied due to me being self-employed for less than two years. The denial for the mortgage is not my complaint. US Bank did respond to me and explained that it was due to human error that my loan application was accepted. My complaint is that they knew I was self-employed for only one year in the first discussion ( which was recorded ). They then collected numerous sensitive financial documents from my wife and I that they should have never requested or reviewed ( since I was not eligible for a loan with them ). These documents include numerous bank account statements ( not from US Bank ), brokerage account statements ( not from US Bank ), and two years of tax returns. Included in the documents that they asked us to sign was permission to share information within US Bank and to contact us with solicitations. My complaint is that they will not delete my sensitive financial information that was collected under the false pretense that I might be eligible for a refinance with them. None of the sensitive documents were the basis of the denial for the loan. They had the information that I was employed for less than two years on day one and in the initial documents signed disclosing the fees. I do not think that they should keep my financial information on file that they justified collecting due to " human error ''. Note that they continued to request documents over approximately 7 weeks with numerous people looking at the information ; all when they had the information on the first day that the answer had to be " no ''.
I have submitted certified letters to all 3 credit bureaus and a collection bearing two names, XXXX XXXX XXXX and XXXX XXXX XXXX. After reading about the countless lawsuits compiled by this collection agency, no wonder they have two names. According to FCRA section 609, I asked for validity and proof of ownership for something they had placed on my credit file. Some sort of medical bill that I have no knowledge of and which is odd, considering I am single with no kids. Generally someone would know if they have been to a clinic or hospital
This co. chose to take on an account that they were lied to about stating that it was in collections. They bought the account but never ever contacted me to tell me it was in collections. They just decided to place it on my credit without my knowledge. Now it's time to rectify the error they made and remove it. I didn't know this was on my credit until I got a copy of my report based on another dispute.
On XX/XX/XXXX I received an incentive email from Bank of America regarding opening up a credit card. Upon receiving that email, I went online and applied. On XX/XX/XXXX I had received an email stating that I was approved and I would be receiving awards on purchases and 0 % interest rate until XX/XX/XXXX and credit line of XXXX. 
For the several months I 've had the account, I always make my payment on time and there also have been numerous times where I paid the coconut fully and recharge the account up. 

On XX/XX/XXXX, I attempted to use my credit card at a gas station and I was told that the card was decline. I immediately called into Bank of America card decision and I was told my card was closed out due to a business decision. This did n't make nay sense. I attempted to reach out to a manager to get assistance and clarification. No manager was available to speak with per representation. After speaking with someone, I was told I could request a compliant to put in to help rectify the matter and that I letter would come explaining theirs decision. 
I never received the letter and I never heard back regarding the investigation for Bank of America. There 's a great deal of evident that suggestion 's that I was targeted and discriminated against. During that time my account was closed, IO had an substantially amount of money in my account with Bank of America ; XXXX to be exactly. On a biweekly basis I had direct deposit coming into various accounts. 
I am also following up with other agencies with regards to this issue. I was a loyal client and I did n't deserve to be treated unfairly and be target, and no one following up with me.
I had a student loan with XXXX XXXX ( who now is navent ) back in XX/XX/XXXX account # XXXX which on my credit report it shows XXXX accounts # s XXXX in the amount of {$3500.00} and XXXX in the amount of {$2600.00} besides the accounts being XXXX old they sold the accounts back to the original debtor ( XXXX ) which in return got paid by taking my tax return back in XX/XX/XXXX, I have tried several times to dispute the information on my credit report stating their ca n't be XXXX company 's reporting the same information on my report but what they did was when the XXXX has different account numbers with the same information which is the same loan from XXXX XXXX. at this point I had my attorney send them a letter explain they can not have XXXX companies reporting the same items that XXXX XXXX would have to delete there information because XXXX was the one who collected the money from me and XXXX XXXX sold the loans back to the XXXX, I have a record of all the times I have contacted XXXX XXXX and the XXXX reporting credit agencies, I also have the letter from my attorney contacting all three agencies and the XXXX reporting companies, the XXXX credit agencies have not corrected the information have never verified the information because they are getting paid by the companies to report the information, all I want is for XXXX XXXX to remove the information from all XXXX agencies because they no longer own the accounts ant the XXXX is reporting the same info with different account numbers. XXXX account # 's XXXX and XXXX all the information is the same on all the accounts see attached documents
I tried to work a modification to the loan and I am being sued for foreclosure by an entity that is not or has ever been a creditor.
I have contacted Bank of America NUMEROUS times about identity theft I was experiencing. Bank of America still refuses to cooperate and remove the fraudulent account from their systems and my credit report. I have submitted police reports, my identifying information, and proof of military service to them repeatedly. They keep claiming I am responsible for the credit card even after proving I was not even in the country. I was XXXX at the time the credit card was opened. Despite my diligent efforts, Bank of America refuses to remove the debt and ask the credit bureaus to remove the fraudulent account. Currently there is a balance owed of over XXXX on the card. I have spoken with managers and representatives with no resolution. My next step will be legal action through the necessary courts for a lawsuit.
Sent them a certified letter XXXX/XXXX/2014 requesting for " verification of account '', prove the statue of limitations has not expired, licensed to collect in California, and documents proving that I have signed an agreement with them under the rule of " standing ''. Also, improper reporting of this account to the XXXX credit bureaus. 
Never received a reply from them up to now.
My name is XXXX ( formerly XXXX ). I was just made aware of the class action suit against Navient and realized that the 3 times my husband lost his job, I asked if I could make lower payments based on my income and was told absolutely not. I was informed that my one and ONLY option was to forbear these loans while gaining lots of interest. I had no choice but to forbear my loans because we needed to keep our heads above the water. I TRUSTED THAT NAVIENT WAS GIVING ME HONEST INFORMATION!!!! But now I found out that Navient has systematically and illegally failed me at every stage of repayment, and I believe a lot of my interest was unfairly gained due to the FALSE and UNSCRUPULOUS communication that was given to me.
I have a collections account on my Equifax credit report that is incorrect. I disputed an account back in XXXX of 2016 ; from a company by the name of XXXX XXXX XXXX XXXX XXXX XXXX The account was removed on XXXX XXXX, 2016 because the company failed to verify the account or provide any contracts that I may have signed with them ; because I do not have a contract or agreement with XXXX XXXX XXXX, XXXX The account has since been added back to my Equifax report. According to state and federal laws and my rights as a consumer ; I am supposed to be notified within 5 days of the account being reinserted onto my Equifax report. I was not. I was also never given proof of a " verified '' account or contract that I signed with XXXX XXXX XXXX, XXXX Aside from all of the above, the statue of limitations are up on the account for the state of Arkansas and reporting to credit agencies. To go even farther, they are not authorized in my state. This situation is preventing me from being a productive citizen. It makes me look unstable and it is unfair credit reporting of an account that does not belong to me. I would like this item removed from my credit as soon as possible and all information pertaining to me be deleted between myself and the company.