WillisBack/dataset-financial-user-claim huggingface dataset:
Please be advised that on XXXX XXXX and XXXX, I applied for a Spirit Airlines promotional credit card, online. Unfortunately, I received two declination letters, citing that the declinations were based on information received from XXXX, citing that I have had an account written off as uncollectable. Knowing that my credit score is XXXX, and that I have never had any collection accounts, I contacted XXXX, who confirmed that the basis of Bank Americas decision was not based on any  information supplied or contained by them. And, that I do not have any collections account. Instead, I have 31 accounts in good standing and 0 accounts in negative standing, and 0 collection accounts. What is even more puzzling is that I previously possessed two Bank of America credit cards for several years, without any late payments or issues. That being said, I would like to know the basis of the declination, the actual source of their information, and why XXXX was accused of supplying information, that they did not supply, nor do they possess or have on file.
A man named XXXX XXXX from a company he referred to as JMS Associates has called the receptionists at my new job 5 times this past week to claim he is attempting to collect a debt. 

This is either a fraudulent attempt to collect a non-existent debt ( I have never been contact by JMS Associates at any time previously until XXXX XXXX began calling me at work ) or it is a tact planned to place me in an awkward position at my new job ; for if JMS has a legitimate debt to collect, they have received my personal contact information from the original creditor and I believe they should be using this information properly instead of contacting me at my place of employment every day.
On XXXX XXXX, 2017, LexisNexis sent me a " resolution '' letter indicating they deleted the bankruptcy record on my file maintained by them. As of this date, LexisNexis has not stopped reporting the item in question to the credit reporting agencies. 

LexisNexis internal XXXX # XXXX LexisNexis Consumer #  XXXX
Early in XXXX I requested that M & T Bank drop the PMI insurance from my mortgage. I was subsequently sent a notice that the PMI would not be dropped because I had not met 2 of the criteria in order to do so. One of the criteria required me to make an additional lump sum payment towards the principle, which I did. The other requirement was that the loan had to be in effect at least 5 years. I was told verbally by M & T that that period would be in XX/XX/XXXX. When I called in XX/XX/XXXX to find out when I would receive a new payment break down, I was told that the PMI could not be dropped until XX/XX/XXXX because the 5 year mark was on XX/XX/XXXX. The payment statement that I received from M & T shows an increase in the monthly payment due to their escrow analysis, which includes the PMI charge that I will no longer be responsible for. I called M & T Bank today ( XX/XX/XXXX ) and asked again for a new escrow analysis so that I would know what my correct payment should be on XX/XX/XXXX. I was told that I could not receive that new payment figure since the 5 year mark ( XX/XX/XXXX ) had not yet arrived. I asked if I called on XX/XX/XXXX if they would then send me the correct payment amount so that I could make my XX/XX/XXXXpayment on time. I was told that the analysis may take up to 60 days before it takes effect.

It is obvious to me that M & T Bank is stringing us along, and probably thousands of other mortgage holders as well, in order to collect additional PMI payments.

The resolution to this problem is simple. I need the correct payment amount for XX/XX/XXXX that does not include the PMI. 

Thank you in advance.
All  XXXX  credit bureaus have failed to keep excellent history from a mortgage i obtained in  XXXX  to  XXXX  at   XXXX   XXXX   XXXX   XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had ( 2 ) leases with   XXXX   XXXX   XXXX  of North America for a   XXXX     XXXX   and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.
Portfolio recovery associates after being advise not contact me has repeatedly called me 10 + times all from different number they are not the original creditor and I have asked to not be contacted by phone I also have sent XX/XX/2018 and do not contact cease letter i also have cell phone call log of repeated phone calls
I walked into a Kay Jewelers to purchase a gift for my daughter. Upon making my selection the representative was trying to sell me on their credit card, given I had a great credit history with them this would only be a " soft pull '' and would not impact my  cre  dit score i n any negative way. I informed him I 'm in the process of purchasing a home and any negative inquiries would reflect bad. The representative talked to the store manager and both assured me its a soft pull. I proceeded with the transaction and within a couple hours I received an email from  XXXX  notifying me of the hard pull. I was furious and complained immediately, and the representatives apologized as they misinformed me and offered me a {$50.00} voucher upon making a {$150.00} purchase to serve as compensation. This clearly did not help. I escalated this further to their customer service management in their call center and they offered me a {$50.00} gift card, which I declined as I 'm not looking for monetary compensation, I 'm looking for this hard inquiry to be removed. Everyone agreed the store is at fault, however they are not willing to correct the error. This is a UDAAP violation at best and potential FCRA violations as they conducted an unfair, deceptive and and misleading practice, which impacted me  ( monetary ) as I  'm trying to purchase a home and now my score has decreased!
I submitted claim # XXXX on XXXX-18. Equifax responded to me - received XXXX-18.

Their 4 page response had this at the end. 1. Current address has been added. 2. We have reviewed your concerns and our conclusions are : Your Equifax credit file is currently blocked for promotional purposes. 

I knew before their report that my credit file was blocked. Can they block my file " for promotional purposes ''? If they can do what they want with my file, how can I get it pulled ( deleted ) from them? 

I think this is a regulatory issue. Please tell me how the law and regulations apply to my case.
In XX/XX/XXXX I purchased my home with an 80 % loan to value HELOC from Washington Mutual. In XX/XX/XXXX I REFINANCED that HELOC with a new 80 % loan to value HELOC from Washington Mutual. The original purchase HELOC was never RECONVEYED after being paid off and closed. It still shows as a lien on my home. Chase has attempted to foreclose on a lien that should have been RECONVEYED, but was never RECONVEYED. Chase says my home is overencumbered by over {$100000.00}. My refinance loan in XX/XX/XXXX was an 80 % loan to value loan. There should be no possibility of my home being overencumbered.

I quit paying on my HELOC in XX/XX/XXXX, when I realized Chase had a fraudulent lien on my home. I attempted to have them remove it. They would not resolve the issue. I hired an attorneys office in XX/XX/XXXXto attempt to do a short sale on the home because I can not afford a home that is overencumbered by {$100000.00}. I had three different offers on the home between XX/XX/XXXX, and XX/XX/XXXX at the appraised price of {$320000.00}. Chase never agreed to do a short sale. OnXX/XX/XXXX, Chase canceled my short sale, and applied a credit of XXXX to the actual loan that should exist on my home. They sent me a letter saying my short sale was canceled because I had ( approximately {$100000.00} ) equity in my home, and a short sale was not necessary. Meanwhile the fraudulent lien was to be auctioned on the courthouse steps a few days later in foreclosure. On XX/XX/XXXX, After I was credited {$210000.00}, and told by Chase that I had equity in my home, I paid Chase {$13000.00} to bring the loan current that was headed to the courthouse steps in foreclosure. On XX/XX/XXXX, Chase charged my account {$210000.00}, bringing the entire situation back to square one. I paid them {$13000.00} in good faith that the situation had been resolved. After I gave them the money, they defaulted on the promise they had made to me by crediting my account {$210000.00} and telling me I had equity in my home. Chase is holding me and my house hostage with a fraudulent lien, that they promised to fix and then reneged after I paid them {$13000.00} in good faith.
I reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX .
I have had a mortgage loan with Chase since XXXX. I have made payments on time and have been current on the mortgage for several years. I have cancelled checks to prove it as well as statements from Chase. Chase however says I am XXXX payments behind from XXXX. I sent them a letter and documentation showing all payments were made and on time. After XXXX weeks, they sent me a letter that actually I was late in XXXX and that for the past several years, they have been putting my payments in a suspense account and periodically took money from suspense to pay the loan. I was never told there was such a suspense account and was surprised since I was current with payments for years. In a nutshell, they set up a suspense account without telling me and while my statements from Chase said they received my payments, they did n't tell me they were applying them to some suspense account instead of applying them to the loan. Because they believe I am XXXX payments behind, they returned my XXXX XXXX payment because they want XXXX payments in full. I explained I made all the payments and do n't owe them that money. The customer service rep. has only returned XXXX of the XXXX calls I placed to her and did n't have an answer for why there is a suspense account. She would not take all my cancelled checks for XXXX but I faxed them to Chase anyway. This has been going on since XXXX XXXX. Chase needs to find the missing money and apply my payments to my mortgage and not to a suspense account. And they need to tell the credit bureaus I am and have been current on my loan. And they need to reverse the late fee they applied in XXXX since I was n't late. And last they need to let me make my payments as I have been doing for many years.
This situation revolved around who ebay and Paypal interact with one another. My understanding is that at one time the two companies were one. They have since been separated and ownership for each is totally independent. However, ebay 's money transaction service is still Paypal. Even debit/credit transactions that use, for example, a XXXX debit card, are processed thru Paypal. They are many rules that are in force by both ebay and Paypal that determine when the funds are collected from the buyer and when the seller receives the funds. For example, I am a buyer on ebay, I purchase an item from a seller using my XXXX debit card. The funds are immediately withdrawn from my bank account. There are many paths that a transaction can take before the seller has there Paypal account, you can not have your mastercard debit card credited, it must first go to your paypal account and then a request can be made by the seller to have their debut card credited. 

Ok, that is a brief description above of a given process. There are many processes that ebay and Paypal use, depending on their rules and regulations as the time the seller receives the money, first in their Paypal account, which pends the money, in most cases 10 or more days, and then is available to the seller. In the meantime, the dollars remain in either an ebay or Paypal account. That is a lot of money, held onto by these companies before the transactions are completed and the funds that were taken from the buyer and given to the seller takes place. 

IS THIS LEGAL?
Around XXXX 2014 I applied for a loan with XXXX XXXX XXXX XXXX ( XXXX ). Unbeknownst to me over the next few months ( XXXX ) continued to request copies of my credit reports from the XXXX major credit reporting agencies through XXXX. Some of the request were days apart. Once I found out about the excessive credit inquiries I requested the credit reporting agencies to delete them. I also asked XXXX to have them deleted with negative results.
To Whomever This May Concern : I am a victim of identity theft/fraud. I have disputed the information through the credit bureaus and I received a letter in the mail stating that they did n't think that it was me that initiated the disputes. One account, XXXX XXXX XXXX was removed and deemed that it was indeed fraud. I am expecting that to happen with these other accounts. I am attaching my DL, a copy of my identity theft report, and a current utility bill. My expectation is that these accounts are removed off of my credit report immediately. The accounts are as follows : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX. I truly appreciate this being rectified immediately.
I opened a XXXX XXXX credit card on XXXX XXXX. I tried to pay the bill over the phone in late XXXX. I received credit card bill statement in early XXXX. The online system to pay my XXXX XXXX credit card has never recognized my activation or registration of the XXXX XXXX card and is generally inoperable. This is a huge inconvenience. I have contacted the company and gotten no response. I DO NOT WANT TO PAY A LATE FEE when I have spent hours trying to pay this bill on time.
I started making payments in 2000 to XXXX XXXX ( Navient ). 10 years ago they asked me to make online automated payments to reduce my APR. That never happened. Now, close to 18 years of never missing a monthly payment, I am not close at all to paying off my loan.
I have tried to correct the errors through TransUnion Online Dispute site, but the site does not function properly and I am getting nowhere. There does not appear to be other any way to contact them. They are including my ex-husbands information as mine.
Hi. 

I was making a payment on my Capital One credit card on XX/XX/2017, and missed their XXXX XXXX   deadline by about an hour. The penalty was {$35.00}. I called a rep and they tried to waive the fee, but since I had one penalty waived this year, their computer would not let them. 

Unlike most credit card companies, Capital One requires you to make the payment at XXXX XXXX. Any payment after that is moved to the next day. Mine was paid over the phone at about XXXX XXXX - one hour or so past their deadline. Most credit card companies take payments to XXXX. I live on the West Coast and the work day for me does n't end at XXXX XXXX. The payment due date fell on a Friday. It also happens to be a day when a lot of people get paid and have to get to the bank before the end of the work day. 

If you make a payment during a 24 hour period, it should be credited that day. I cant think of any reason for a cutoff time other than to bleed their customers. Can CFPB do anything about this?
Over a month ago I attempted to obtain my free annual credit report from Equifax online at " XXXX '' as I've done several years in the past. I've never encountered any problems before with Equifax, XXXX or XXXX XXXX. However, this time Equifax refused to provide my online report. I was then instructed to answer another battery of questions over the phone, which I did. I was told my report would be mailed to me. It hasn't, and it's been over a month. 
I attempted to contact Equifax by phone using the only two numbers listed on my previous 2016 Equifax report. Both numbers resulted in a recording requesting that I press # 1 for this and # 2 for that. Nothing that I could do would connect me with a human being. 
Why is it that Equifax freely provides hackers all of my personal financial information yet prevents me from procuring that same record? I would like a copy of my free annual credit report from Equifax. Can you please assist me? 
Thank you. 
XXXX XXXX
Account was closed for possible fraud. The information is incorrect and prevented me from getting a job and further accounts. I was hired in with the same company in the fraud department.
I would like to report the Bank of America account # XXXX reporting in my credit file. This account is under the name of " XXXX XXXX '' and DOES NOT BELONG ON MY CREDIT REPORT! MY COMPLETE NAME IS XXXX XXXX and not XXXX XXXX. I am not who this account should be reported under. I did not open this credit card. It is either, I am a victim of a MIXED-UP FILE ERROR either by the bureaus or by Bank of America itself or this is Fraud. In any way, this account does not belong to my credit file and would like to request to completely remove and be blocked from reporting on my credit file.
I went to XXXX and reported that I had identity theft and that my accounts and debit/credit cards had been compromised.. I only use XXXX banks and dont ever recall opening up a XXXX account.. I was told that I had an account and that I abused it.. Due to the stress this identity theft has put on me I didnt argue I just told the guy how can I fix it immediately.. He said I had to pay the debt owed.. Long story short I paid at and made them aware that me paying it doesnt mean that I owed it and that I needed of off my report.. He told me ok aand in addition I should still dispute it and get a police report.. Which I did.. I wrote EWS a dispute and asked them to VALIDATE the information and send me copies of my documentation they have regardling this listing that bears my signature and also asked them to delete the info from under my social security number. I have yet to recieve any of this info and its been well over 30 days. I also want the names addresses and telephone numbers of the people they contacted at XXXX ... There may be identity fraud involved. I am aware of the XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 )
This is a story about a XXXX year old widow living in XXXX, Florida named XXXX XXXX. XXXX was born and raised in XXXX XXXX, FL in XXXX. XXXX never had children, but had a wonderful husband to whom she was devoted to for XXXX years. 
Fast forward to XXXX XXXX, when XXXX was XXXX, and at the cusp of the " XXXX '' days of free-wheelin ' mortgage and real estate boom. XXXX has a XXXX bedroom, XXXX bath wood frame home that was built in the XXXX 's where she has resided for the past XXXX years. It 's XXXX XXXX sq. ft., and by most standards in America today, would be considered modest. At the time, XXXX had a social security income of roughly {$800.00} dollars per month, and being an entrepreneur, " sometimes '' had up to another {$1000.00} dollars per month selling items on XXXX that she would XXXX in yard sales. This additional income would vary, but never exceeded {$1000.00}. 
In XXXX, with the real estate values soring ever upward, her modest little home appraised for an astronomical sum. Mortgage money was sloshing around all over the place, and XXXX was there to help provide and lubricate the exuberance. XXXX was enticed to take out a mortgage. A {$130000.00} dollar mortgage. An " Option Arm '' mortgage, that provided " options '' each month as to what she could pay, including " Interest Only, '' and/or various Fixed Rates with Amortizations that she could " pick '' each month. XXXX years, XXXX years, or " anything goes '' some other amortization, i.e. XXXX year, XXXX year, etc. that should could specify and varying each month. A payment plan designed for high income, " Young Upwardly Mobile '' sophisticated borrowers. The " Interest Only '' was based upon a " Jumbo '' Interest Rate of 6.875 % and was the cheapest payment option each month for XXXX 's meager income. This despite XXXX having a Conforming Loan Amount, and Conforming rates being cheaper, as much as 2 % less, a payment difference of {$220.00} per month. ( Conforming loans did not exceed {$460000.00} +/- in loan amount at the time. ) Being approved for the loan which took 50 % of XXXX 's monthly income was tight, but she managed at first. In XXXX of XXXX, with the economy beginning to tank, her XXXX income began to whither, and she began to get behind. Like many to that fell prey to this, foreclosure arrived at her doorstep and her defense was not enough. Sadly, she was finally adjudged in XXXX and the final foreclosure sale is in XXXX. 
XXXX should never have been approved for this loan. Approving a convoluted loan for anyone whose source of income is unpredictable, and approving it with the knowledge of taking half of it each months meager income, charging her a Jumbo Interest Rate as opposed to a Conforming Interest Rate to base the payment, and knowing in good conscience that she did n't have a " Snowballs Chance in XXXX '' to pay this, is beyond the governments definition of PREDATORY LENDING, ITS UNCONSCIENABLE AND EVIL.
My mortgage was sold to Nationstar several years ago. I have had nothing but problems with them since. My husband and I have only social security as income. We live on a tight budget and emergencies can cause big problems. Got behind on payments and did a modification and was paying on time and early until we had a problem and got behind. Person helping me was no help at all. Never told me I could put arrears in a repayment plan. Instead offered another modification. I explained from the very beginning, when I was only a few payments behind, that I did not have internet and she needed to mail me the forms to fill out. I already knew the documents they would also need so I had them ready. After phone calls, voice messages and emails, six months later I'm told they don't mail paper forms!!! 
Now when I ask about repayment I'm told they looked into doing it in XX/XX/2018 but it was a year and I didn't have the amount available, whatever that means. I ask why I wasn't told about this and I'm told they only send a letter if I get approved??!!! 
This company is a mess and now I face foreclosure. I was never treated right and want to file a formal complaint against Mr Cooper and XXXX XXXX my dedicated loan specialist. Very poor quality work on my behalf. This should have been resolved within a few months as a repayment plan. 
Thank you for any help you can give me.
I applied for a CitiBusiness platinum credit card which offered XXXX XXXX XXXX bonus points if you charged {$3000.00} in the first 90 days. I did fulfill this requirement but Citi said I had opened or closed a credit card within the past 24 months which disqualified me from the bonus points. They stated that I closed my last CitiBusiness card in XXXX of XXXX, which is not true. 

My final payment on my previous card was XX/XX/XXXX, and I called and cancelled the card on XX/XX/XXXX and at the same time confirmed a XXXX balance. Citi has no recording or any verification whatsoever that documents their XX/XX/XXXX date. 

I have made 3 calls to Citi with this information and they still send me a form letter stating that I had opened the present card in less than 24 months. I spoke to a supervisor by the name of XXXX in my last conversation on XXXX XXXX who stated she would contact the department involved ( I would not be able to talk to them directly ) and would call me back the next day ( XX/XX/XXXX ). I authorized her to leave a complete message on my message machine if she did not reach me. She never called.