WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a loan with Cardinal Financial. I was contacted by the loan officer XXXX XXXX who told me based on everything I was telling him and the documentation I provided him he was able to do the loan. I provided my paystubs and XXXX the day he requested them. He told me I was approved and collected {$450.00} for an appraisal. It was two weeks after the appraisal and XXXX stopped returning my phone calls or responding to emails. Finally in a text message he told me I have been declined for the loan. That was the last time he replied or responded to any attempt I made to contact him. 

I feel he misrepresented the likelihood of being able to refinance my mortgage or does n't have enough experience with the guidelines to know if he can do a loan. I was told I was declined due to debt to income problems, but all my income was provided to him as soon as I applied for the loan on day XXXX.
On XX/XX/XXXX I called XXXX XXXX to request my credit limit be increased because it was previously decreased. I informed the representative that i did not want my credit report ran. The representative confirmed with me that my credit would not be ran. I was told that my credit limit increase request was approved. After ending the call I received a notification from XXXX that a new hard inquiry was added to my report from XXXX XXXX/XXXX XXXXt. After further review i also saw that they ran my credit without my consent on both XX/XX/XXXX andXX/XX/XXXX. I called XXXX XXXX immediately and was told i would need to dispute this in writing.
XXXX and XXXX XXXX began receiving phone calls indicating that they should expect a loan modification regarding their mortgage in the mail. They then received the attached loan modification agreement, and sent a trial payment in the amount of {$920.00}. They have continued to receive calls asking for further trial modification payments. The scam is very sophisticated in that the paperwork looks remarkably similar to an Ocwen HAMP modification, the payment amount is possible with a HAMP modification, and they reference guidelines that are sometimes possible ( a loan rate of 2 %, three trial payments, etc. ) Whoever is running the scam has knowledge of default servicing. All contacts via telephone appear to have XXXX accents. Recordings of the calls are available upon request. Name listed in the mod paperwork was XXXX XXXX, his email used was XXXXXXXXXXXX.
On several occasions, since XXXX XXXX XXXX I have contacted Equifax regarding a debt listed on my credit report in error. XXXX XXXX is reporting derogatory information on my credit file and Equifax is allowing them to, illegally. I do not, nor have a ever had an account with this company and I do not owe the creditor that they claim is the originator. I have asked Equifax multiple times, in writing, to have the company show verifiable proof by way of a dated, signed contract and the company has NOT been able to produce such items because this debt is FALSE information. XXXX refuses to remove the information and have NOT properly investigated the situation because they would KNOW that this debt is NOT VALID.
Goldman Sachs Small Business said my Company was approved for a undecided amount of credit until my application was finished! 

I had a XXXX performed and was omitted into hospital for a three week period and was unable to finish my application! I was to send in three months of my banking statements to seal the loan! I was unable to complete because I was hospitalized! I received no letter as to the need for the three months of statements.

I was also told this application was not a hard pull of my credit! It was to be a loan to business and not personal. They preformed a hard pull!

Goldman Sachs caused my credit to plummet. I dont believe this was a fair application or didnt allow me to finish a complete application! 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX
I still see the same fraudulent inquiries on my credit report, I even spoken with the companies and they said they put it to remove them but yet failed to do so ..nor has anyone provided me with physical verification of any sort. The following inquiries being disputed are .., XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
I was late with XXXX payment and American Express assessed a {$38.00} late fee and then on top of this they are charging interest on balance at annual rate of 27 % when interest rates are at historic lows! These types of fees and rates are outrageous and simply wrong.
Chase credit card : ending in XXXX I paid off my full balance and closed the account XXXX XXXX XXXX. 
I still incurred a {$19.00} annual fee after this date. I was unaware and did not log back into the account. I got an email on XXXX XXXX XXXX stating my account was overdue. I called XXXX XXXX XXXX and was told by customer service rep that I was late on the fee of {$19.00} and was charged an additional late fee of {$15.00} on top of the {$19.00}. 

I went ahead and paid the overdue amount and told the rep to close the account again. I also noticed Chase Credit Card had put a negative hit on my credit report. 

This is not fair practice. How can I incur charges/fees after I already closed the account a month prior, they should have waived the late fee since the balance was paid off.
Discover card keeps sending my XXXX year old daughter credit card offers. I have called twice over the corse of two months and they just tell me that her information must be incorrect. I need to file a report, They keep sending out offers It is illegal and I want them to stop. I would appreciate your assistance.
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX
have submitted numerous complaints. Nothing happens. I recieved a call regarding reporting me 90 and 120 days past due. LIKE I told XXXX before he hung up pn me, I was told in XXXX that it would take 2 weeks for the MODIFICATION. I asked him check the recirded line! He says he does n't believe me! I would n't be hassling this for over a year if it wasn ; t true CHECK THE RECORDED LINE WELLS???? 
Also when I paid XXXX XXXX and XXXX it just kept the late notice going higher and higer. My payments for the modification was never ever ever acknowledged on my Credit Ratings! It looked to the public that I was still not paying. 
This is personal and I will continue to keep this active until the take accountablility from the beginning! 
Im sick of all the hours and time on this. I am very tired of some people being RUDE to me or Hanging up on me. What kind of Bank is this!!!!!!!!!! 
Because you have n't done what should have been donbe pertaining to this modification you have caused me hardship and stopped us from doing anything with our credit. Thats you fault and liability! 
You were suppose to report by LAW during the TPP a modification or partial Payment. YOU DID NOT 8 MONTHS AGO OR NOW I have included copies of the credit Bureau again as I have before many times. You cause us pain and siffering not to mention the damage. We were unable to purchase another home because you were not doing what you were suppose to by LAW! 
Answer and handle my complaints. I will not stop until you FIX THE ISSUES and take accountablity.You just do n't care and caused us so much trouble from the beginning. I was never late until I talked to WF. and have not been late since this Modification!!!!!!!!!. 
XXXX and XXXX XXXX : XXXX XXXX
A number of my credit cards no longer give access to their interest rate when I sign in on the internet. While I can locate info on paper statement, if I go w/o paper statement, I worry I will lose access. ALSO it seems they are " hiding '' info ... when the rate is variable, it is wise to watch the rate. 
I want to access not only my balance, payment, charges, etc. -- but my interest percentage as well. I have called them, and after that nuisance, I get the rate ... but that is wrong. Should n't they be required to disclose as they do on paper statement?
The company closed the account in XX/XX/2016 and never ask me for anything. The last few weeks I start getting some phone calls from collections agency regarding the debt but I never received any notification that my debt was in collection. I getting harassment calls and settlement letters. I have to block all the unknown numbers and XXXX from my phone to be able to keep doing my own work.
Found this information on my credit report and wrote a letter requesting a copy of the application and information to verify what this debt was for. I have not received a signed application, no ID, no billing and shipping information and anything else to validate this alleged debt belongs to me. I have written this company appearing on my credit report three times requesting information about this debt and only received a bill with a letter stating the bill with the amount on the credit report has been " verified '' and belongs to me. This is without a doubt insufficient. This company on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX. XXXX. A billing statement with no explanation of goods, services, dates of goods or services rendered is not sufficient. I have requested this information to prove this belongs to me and have repeatedly not been provided with it.
My mortgage servicer, PHH corporation, has failed to apply my mortgage payments properly. Specifically, when I make additional principal pre-payments, PHH assumes that a portion of my principal payments will be held for future mortgage payments. I can provide evidence of their distribution of my payments through attachments ( screenshots ). When I contacted PHH to fix the problem I was promised resolution by a foreign call center employee. The resolution of principal payment was scheduled to take place 10 business days after my request. XXXX days after my request PHH had not resolved my payment issue. Bottom line- PHH is holding large principal pre-payments as " future payments ''. Of course, this practice favors PHH as borrowers essentially provide PHH with a free loan instead of paying down their mortgage principal. Failure to resolve this business practice reduces " borrower morale '' and enhances the risk of default for borrowers that feel helpless. Given the reluctance of PHH to change this practice, borrowers probably feel that this process is a systematic attempt to keep people in debt for the full life of the mortgage. In this sense, PHH does not impose a pre-payment penalty, but deters pre-payment attempts through their business practices. 

Forensics : I have attached screenshots of my account activity with PHH. My normal mortgage payment is attached ( {$1100.00} ). On XX/XX/2015 I made a payment in the amount of XXXX ( see attached ). Minus my mortgage payment due XX/XX/2015, PHH should have posted an additional pre-payment to principal of {$3100.00}. Instead PHH posted an additional principal payment of {$2000.00}, paid the XXXX payment of {$1100.00}, and held onto an additional {$1100.00} for my XX/XX/2015 payment. In this scenario PHH assumes that I would rather provide them with with a no-interest loan than pay my mortgage down early. The XXXX 2015 payment that was held for " safe keeping '' was intended for principal pre-payment, not a free money loan to PHH. PHH has failed to rectify the error after I notified them of their mistake.
Franklin Collection Service , Inc. hereinafter referred to as ( " FCS '' ) did not provide me with a Debt Validation Letter and subsequently placed their unauthorized and impermissible collection account on my credit bureau record ( XXXX, XXXX and XXXX ). I have requested for a Debt Validation Letter from FCS to no avail. FCS is in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I respectfully request for the CFPB to instigate an inquiry into FCS accordingly.
Complaint against Equifax I need to know the information Equifax and the credit grantors are using to keep reporting those accounts I suspect to be result of fraudulent activities, in order to find out if I can identify the possible fraudulent acts and actors. Nevertheless, Equifax makes it very difficult for me to conduct my investigation. Even though, I have found already wrong addresses, employers, phone number and even some credit grantors have contacted the credit bureaus reporting possible fraud in my file, they still do n't cooperate with me for a resolution of my problem. The following are some of the things I have tried in good faith to resolve these issues : 1. I have been disputing items in my credit report that I am suspecting to be result of fraudulent activity, for over a year now. Nevertheless, Equifax always comes back saying that the items were verified by the credit grantors. ( see attached documentation ) 2. I have requested them to provide me to the information the credit grantor used in order to authenticate these accounts and they never reply back to me. ( see attached documentation ) 3. They pretend to open a new investigation every time I send these letters requesting additional information used to identify those accounts as mine, and few days later they return a result as already investigated and with new information added to the file. This new information is never provided to me, in details, when I request this to be sent to me. ( see attached documentation ) 4. They have requested me to contact the credit grantor. When I have contacted the credit grantor to obtain additional information they always failed to respond to me. I have even copied Equifax and I have requested them to remove the information should the credit grantor fail to respond to my request for additional documentation. They never remove this information. ( see attached documentation ) 5. I have sent evidence of my failed communication with the credit grantor and they have chosen to ignore it. ( see attached documentation ) Please kindly proceed to open a complaint against Equifax. 

Respectfully, XXXX XXXX
I am in the process of closing my BBVA Compass chequing account since I had acummulated a negative balance of {$160.00}, But I still will like to pay BBVA Compass hopefully in small installments.The reasons for this are as follow : Between XX/XX/XXXX and XX/XX/XXXX my BBVA Compass chequing account had been charged four times with non sufficient funds each time around {$38.00} fees.Of all of those only one was for a real writting check, the rest were electronic payments.Althought I must admit that when all these transactions were paid by BBVA Compass it seemed practical since I did not had to face the payee going after me.But then later I realized few issues with the way BBVA Compass exercise this service on my account for instance there was no a call, email or mailing letter informing of my account been over draft ; all this time I had have exporadic access to the internet and a few years ago BBVA Compass force me to relinquish paper statements.Also in the year 2013 I remember walking to my neighborhood BBVA Compass branch located on XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX and sat with one of their employees at that time to ask for a removal of overdraft protection from my account.I Know could bear my mistakes, but all of these non suficient funds fees were for paying my XXXX, my mechanic, my car insurance and my phone company even some of the bills were for {$5.00} ; had BBVA Compass honored my request of a few years ago all of my payees would be more lenient and cheap.
Hello, I have been using Coinbase for the past 2 months. I was able to buy, sell and move digital currency without issues. Suddenly they start to ask for additional information and now they are withholding around USD XXXX of my money on the USD wallet. I can not transfer to my bank account, can not buy cryptocurrency, essentialy I have no access to the money. Ive created a case with them # XXXX on XX/XX/XXXX and no response. The customer support is awful.
I had lost my source of income approximately a year ago due to unforeseen circumstances. I made one last mortgage payment and started working XXXX jobs not too long after this happened. With the XXXX jobs combined my income was not enough to pay for the home and the regular bills. Approximately 2 to 3 months ago I was receiving income comparable to before. I started working with the bank to try and receive assistance but as time went on the amount owed kept growing and it came to a point to where they wanted me to pay three times the amount of my mortgage payment. Realistically it 's not possible because that will take away majority of my income for the month. I am currently trying to work with them again to help me out with some different options but the person who is assigned to my case for whatever reason is not ever available. Now they 're requesting for me to fill out another packet which will delay this process longer and will increase the amount that I owe instead of having me starting to make payments which I can afford. I explained that I could afford two times the amount of my regular mortgage payment and enough income to provide for my family.
I have had a mortgage with Bank of America from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. Bank of America WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. Bank of America is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed XXXX, XXXX and XXXX bureaus 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me Bank of America is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called Bank of America Again yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today XXXX sends me a letter stating it will remain on my credit because BOA said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.
I enrolled at the University XXXX XXXX and was told XXXX credit hour classes would cost {$700.00} and that I would have good career prospects in XXXX XXXX at the end. As I got further in my degree, the price per class went up to {$1500.00}. I was too far in to transfer schools as I would have had to repeat several classes. I ended up graduating but unable to find a job in my field. I repeated my whole degree in the same field at a difference school ( XXXX of XXXX ) and then was able to find a job with that degree.
My credit report with experian shows an unauthorized enquiry from a company name XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, md- XXXX on XX/XX/2018, i did not authorize them to pull my credit & would like Experian to delete this enquiry from them.
on XXXX XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX for the amount of {$300000.00}. I was promised a low interest rate and low monthly payments, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rates were higher than promised and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXXXXXX XXXX XXXX XXXX XXXX as a nominee for XXXXXXXX XXXX XXXX, a New York Corporation to XXXX XXXX XXXX XXXX XXXX XXXX as trustee on behalf of holders of XXXX XXXX XXXX Pass-Through Certificates, XXXX XXXX. The assignment of mortgage has the date of mortgage as XX/XX/XXXX in the amount of {$350000.00}. How is that possible when I purchased my house on XX/XX/XXXX in the amount of {$300000.00}? On XX/XX/XXXX XXXX started an action against me in the amount of {$350000.00}. How is that even possible when I had paid well over {$91000.00}. I have tried fixing the problem several time. Every time I submit a loan mod it either take a long time for them to process or I am always getting denied. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan. I filed for bankruptcy in XX/XX/XXXX and wanted to submit a loan modification once the bankruptcy was discharged. So I had my attorney 's office try to get a modification package from the banks attorney. My attorney 's office has been trying to obtain a loan modification package from the banks attorney since XX/XX/XXXX, they didn't get a response bank until XX/XX/XXXX. That was almost a month that went by and their office never got back to my attorney.
The caller XXXX XXXX XXXX XXXX is looking for someone else ( XXXX XXXX ). We purchased our home from a bank foreclosure 7 years ago and this agency continues to contact us regarding the former homeowner despite our advisement that we are not the persons they seek nor do we have any affiliation. Their phone number is XXXX. They make robocalls multiple times per week : XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX
I 'm writing to provide additional information regarding the complaint I started on XXXX XXXX, 2016 [ Case number : XXXX ]. 

I 've received the response from Freedom Mortgage through CFPB, and disputed the response they provided. I 've also looked at my statements closely since my original complaint and found that even on the statements that the company has sent me when my account was paid ahead, Freedom Mortgage specifies that {$0.00} of my payment for the next due date would be applied to interest. However, as they received my subsequent payments, I was still being charged interest for advanced payments. I had since been slowing down my advanced payments because Freedom Mortgage has been so adament about refusing to reverse the additional interest charges that I was afraid I 'd be spending more money than I actually owe on my mortgage, however, given this new realization, I 'd like to redouble my complaint against Freedom Mortgage, and subsequently XXXX who purchased my mortgage from Freedom Mortgage while Freedom Mortgage continues to service my account.