WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX at Guaranteed Rate Inc has pulled my credit without my consent on XX/XX/2018. After he advised me that he pulled it i asked him why he did so without my consent, his reply was then QUOTE sorry for the trouble and good luck to you UNQUOTE. I asked him to make sure this doesn't show as a hard inquiry as i was shocked that he pulled it without my consent. I also asked if i should talk to someone else to have it removed.his reply was QUOTE Sure thing, i will look into it UNQUOTE.I asked him then to advise once done and have a letter send to me that it was taken care off, i expected something within 2 weeks. his reply then was QUOTE Again, good luck to you " Myname ''. I have always done good by you and did nothing wrong here UNQUOTE. since then i have reached out by phone and email to his boss XXXX XXXX and have never received a reply or call back.. I also had my attorney send a letter to XXXX at Guaranteed rate as well as XXXX, XXXX  and XXXX to try and have this removed. Neither XXXX or anyone from Guaranteed rate has replied, which in my opinion is very unprofessional from a company that claims to have the best mortgage experience on the planet. the unions have replied and mentioned that the inquiry removal needs to come from Guaranteed rate.
I purchased a home from CitiMortgage through XXXX XXXX XX/XX/XXXX. Unbenowst to me, the person that rysar had me working with to get a loan from citimortgage had been recently released from federal prison XX/XX/XXXX. I worked with him, one on one in XX/XX/XXXX. CitiMortgage is forcing me into foreclosure so that I can go away and not file a lawsuit against them. I have found out that the deed had not been in my name for over 8 years, there was a {$60000.00}, XX/XX/XXXX lien on the home that was just recently cleared up.
Reference : Account # XXXX Delinquency reported since XXXX This Collection company, XXXX XXXX XXXX XXXX reports me in Equifax credit report company forever since this debt {$390.00}, which i am not owed them. I have been disputed with Equifax and this collection company many times since couple years as wrote and called them, but no resolving problem. Short story, around XXXX I was visited Dental office in my hometown, this office made mistaken by had done some things over charge, or unauthorized charge on my medical bill without my signature and approval in case of over limited health insurance. This cause me become the victim of collection fraud and bill fraud!!!! Pleas help me to resolve this problem not to harm my credit, and threat me fairly. Thank you! 
Note : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Client Medical/Health XXXX XXXX XXXX XXXX XXXX XXXX
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXXof this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. 

I checked https : //www.equifaxsecurity2017.comXXXX and the results showed that I have been impacted by this data breach.
Navient XXXX XXXX XXXX XXXX, PA XXXX This student loan company gave me false information about my student loan, although I was making payments, and was diligent about annual renewals, and communication. The problems have been ongoing and Navient has withheld the truth about the loan. I discovered the extent of the dishonesty when I decided to consolidate all of my loans. 
In XX/XX/XXXX I began the process of consolidating all of my loans at the Federal Government rate of 6 %. I tried to negotiate a lower rate than the +9 % I was paying but Navient refused. 
As I began the consolidation process that would add the Navient loan to my XXXX, I was told my loan could be added and yet as I continued to talk to XXXX, I was told over and over that the loan was not a federal loan but a private one. I called Navient, and was told the opposite. They swore it was a federal loan, and someone who was a supervisor even promised to access the national data base files and ensure that my loan would be recognized as such. He even told me to call back in 3 days to ensure that all of the work was done. When I called back I was transferred a number of times, and then hung up on by the agents. 

XX/XX/XXXX " During a review of your account we discovered that accrued interest was added to your loan, for which you are not responsible. '' Money was added to my loan during the periods of forbearance, and even during the time I was making payments. 
Phone calls made during the summer of XX/XX/XXXX, show that I had to call back numerous times because I was hung up on. Further, it was revealed by one of the agents, that I was paying an unusual high interest rate, " higher than she had ever seen. '' It is revealed that my loan is a PRIVATE SMART LOAN, and that Navient knew this all along. Further, my LOAN has had NO LENDER since XX/XX/XXXX when XXXX XXXX XXXX XXXX XXXX, the lender " bailed. '' Navient did not disclose this information, nor did they discuss the fact that Navient became my lender without my knowledge. 
During XX/XX/XXXX, I called to renew my payment plan and was put off, and transferred numerous times. Because I was already making automatic payments, a larger amount was automatically deducted from my account. When I complained and had proof of my phone calls, I was told the refund of my money was delayed for some time. 
Navient wants me to enter into a forebearance, for 3 months and after that time try to extract a larger amount from me for repayment. The goal for Navient is not so students can pay off the loan, but so they will owe much more money through accrued interest, for longer periods of time.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  National Credit Systems  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
I sold an item on XXXX for {$790.00}. Buyer of the item immediately upon winning the auction ( which ended on XX/XX/XXXX ) made a payment via PayPal, XXXX 's proprietary payment system. Item was shipped out the following day and received three days later. Buyer confirmed to XXXX and to myself that item had been received in good order. Paypal, however, immediately upon receiving funds, frozen said funds, with no recourse, for a duration of " 21 days ''. Buyer called XXXX and reported that item was as described. I personally have a history with XXXX ( as both a buyer and a seller ) that dates back to the infancy of the web site, without a single complaint. Paypal indicated that " a tracking number '' would facilitate the release of funds, but without it the funds would not be released before aforementioned 21 days ( with no indication of whether those are calendar or business days ).  Reported issue to Paypal 's helpdesk, which responded with an automated Email asking me to follow a variety of steps clicking a long series of menus and options that simply did not exist ( perhaps they referred to an earlier version of the system ). Multiple conversations with the helpdesk were unhelpful. Eventually, a conversation with a manager directly contradicted her subordinate and indicated that once item had been marked " received '', which requires approval by both sender and recipient, the funds would be released by today. Funds are still frozen and still can not be retrieved. I placed a call to the helpdesk, again, and have not as of yet been called back. Today is XX/XX/XXXX. There seems to be no recourse to get those funds back. The buyer acted in good faith. At no point was there any indication that such a process existed prior to the payment being made -- Paypal is effectively holding funds hostage with no recourse and no end in sight.
Citi XXXX took a double payment from my account. When I called about it, I was told that they would credit my bank account within 3-4 business days. On the 5th business day the funds were not there. I called them back. They said that the credit was under review and it may take an additional 3-4 business days. I told them that it was not what I was promised and gave them an alternative that if they could not credit my bank account back that I would accept a waiver of my XXXX payment instead. They informed me that it could not be done. This is false information as I myself work for another credit card company and it most certainly can be done. I informed the supervisor that if they could not credit me in a time that they promised and were unwilling to compromise with my alternative solution that I would file a complaint with the CFPB and any other entity that I think could help me, and help my fellow Citi cardholders get some common sense policies put in place.
I have been assigned to the loan servicer called FMS. I was never informed that a loan went into default as I have been using XXXX for another school loan and believed it was my only XXXX. Only when my loan with FMS went into default did they contact me or leave a voice mail message. It has now been 4 months since I was told and have been trying the default forgiveness program they provided. It is extremely shady and unprofessional, as are the employees. I would really like to consolidate my loan and or switch this other loan to XXXX, a much more professional company. They have taken my tax return even as I 've been paying them every month for the default forgiveness program and still it is n't working somehow.
Spoke with representative on my personal phone. XXXX XXXX ( the representative mentioned earlier ) called me at work and I informed her that this was not a personal line and that calling was was not alright. She has continued to call my work phone and argues when i inform her that this is not an except-able phone number to contact me on.
I have had a credit card with XXXX XXXX XXXX. i have had perfect credit with them They first gave me a credit line of over 900.00. We always paid on time. Once we had to put tthe amount of XXXX in the mail. I sent a money order in good faith on the XXXX of the month when it was always due by the XXXX. I contacted the company on XX/XX/2018 and told them the money is on the way, Someone ( XXXX ) from the XXXX XXXX XXXX  Dept said we wait for the money order which should be here on time, If not we will credit your account as being in good standings.because you made this phone call to us. To our Dismay they did not keep their word.or agreement. We received a letter in the mail statement that My credit line was being reduced by the XXXX credit bureau from {$900.00} to {$500.00} because of a number of excessive late fees. That is not true. We were never late!. When i called the XXXX XXXX XXXX. i spoke to a young woman named XXXX at ext XXXX she said she understood the problem and then gave me a fax number to the credit dept of XXXX.telling us to make this statement " We are requesting the impact of my credit limit to be reversed and brought back to the original status. unfortunately the XXXX XXXX XXXX dept did not fix this problem nor did XXXX. I feel at this point my civil rights are violated by not only XXXX XXXX but XXXX where there may be some collusion involved
On XX/XX/18 there was {$230.00} in my checking account with PNC Bank. On XX/XX/18, there were three ACH debits which hit the account as " Pending ; '' {$72.00} for XXXX XXXX which was due and payable on XX/XX/18, {$120.00} for XXXX XXXX also due and payable on XX/XX/18 and {$430.00} for XXXX  with a due and payable date of XX/XX/18. There was sufficient funds to cover two of these transactions, the {$72.00} for XXXX XXXX Bank and {$120.00} for XXXX XXXX, however, PNC posted the transactions in a manner which I was charged 3 overdraft fees instead of 1 ( the account was overdrawn due to the pending transaction for {$430.00} ). I requested the reimbursement of {$72.00} representing the excess overdraft fees assessed to my account and PNC has yet to rectify the situation.
I used my Chase Sapphire Preferred Visa to purchase a costume from a merchant on XXXX. The costume was supposed to be a custom costume in the shape of a cup of coffee. The merchant was told 1 ) The lid of the cup needed to be XXXX XXXX 2 ) We wanted the electric fan installed as advertised and 3 ) Specific logo. During the process, the merchant had 1 ) Made the lid XXXX instead of XXXX  without authorization 2 ) Did not include an electric fan as advertised and 3 ) Put the logo on the costume crooked. When we asked them to fix it or give us a refund, the merchant refused to give us a refund or remake the costume. Their only option was to ship the costume as is. They forced me to " confirm '' prior to shipping. I only " confirmed '' that they would either send me the incorrectly made costume or keep the costume and the money. When I disputed this with the credit card issuer, they said that because I said " I confirm '' that no recourse is available to me. All in all, I lost {$400.00} on an improperly made costume that was supposed to have purchase protection by the card issuer
I just received a Garnishment Notice, based on a loan that I co-signed on in XX/XX/XXXX. I did not receive any notice about this garnishment, have a chance to dispute it, or be notified that it was going to enforced ( more than 16 months after the fact ). They report that there was a judgement on XX/XX/XXXX, but I was not aware of it, or I would have disputed my involvement. They have located the primary debtor, so why am I being garnished? They repossessed the car in question 3 months after it was bought, so why am I paying for something they have had since XX/XX/XXXX? Why did n't they give me the opportunity to challenge? Why does this debt even exist? Furthermore, this is causing an extreme hardship on my family. We are just finally recovering financially after I had to quit work to take care of my son, who was diagnosed with XXXX XXXX XXXX in XX/XX/XXXX. After he passed in XX/XX/XXXX, it took a while for me to get back to work while I grieved my XXXX  year old. I am finally climbing out of the financial debt we incurred, and am now subjected to this. I tried to talk with the company on XX/XX/XXXX, but they said to talk to the attorney. I tried to set up payment arrangements with the attorney, and maybe negotiate a lower amount, but they claim they can do nothing -- it 's up to the court. I know this is a flat out lie, as we just got done paying another garnishment on expenses incurred while my son was sick. This garnishment is predatory and spiteful.
I received a letter on Monday XX/XX/XXXX from XXXX XXXX, dated XX/XX/XXXX, in an attempt to collect a paid debt. The letter was received after their firm, XXXX and XXXX entered into a settlement agreement with me and filed a Request to Set Aside Default Judgement, supposedly filed on XX/XX/XXXX. My lawyer requested and still has not received a stamped copy of either. There is no entry on the courts docket. 

It 's completely unacceptable, unethical, fraudulent and in violation of the settlement agreement in this case. So, far the only term of the settlement agreement that they have complied with has been the cashing of the settlement check.
I currently have a mortgage with Ditech ( I believe it is a XXXX ). Have had the mortgage for ten years ( although it has been passed from bank to bank over the years ). My mortgage has a due date on the first of each month with a grace period to the XXXX. However, my SS check comes on the XXXX of each month and most times is after the XXXX causing me to pay late fees. Ditech will not change the due date!!! Their solution is for me to refinance the mortgage for a new contract costing me {$2500.00} up front. My mortgage is current. Can I change it to a VA mortgage without upfront cost? Thanks.
The mortgage company that I currently have XXXX XXXX XXXX refuses to give me a statement in the mail concerning my loan payments. They state that they do not have to give me the statement in the mail. I have noticed on several occasions that the balance, and monthly statements are not accurate. I have requested 5 times that they start mailing me statements and they refuse. I have also asked them to send me an itemized list of my account concerning all of my payment since they have taken over my loan, and they have not complied.
Wells Fargo charged off my student loan in error XX/XX/XXXX. My payment compliance history was stellar. They ignored my calls about the error until XX/XX/XXXX. Wells Fargo then requested my cooperation in paying arbitrary amounts over several months necessary for their system to reinstate my account, which I accommodated. Wells Fargo charged my account off again XX/XX/XXXX and again are ignoring my request for correction. This is damaging my credit again!
We went to XXXX XXXX 4 years ago and paid in full. Collection Consultants of California are demanding {$490.00} and this is incorrect and not true. They wo n't answer their phones.
Transunion customer service would not help and take care of the negative inquiries on credit report. victim of date breach. 


fraudulent inquiries are : 1- Inquiry : XXXX. Date of Inquiry : XX/XX/XXXX 2- Inquiry :  XXXX XXXX . Date of Inquiry : XX/XX/XXXX
My rental company ( XXXX XXXX ) is saying that I paid rent late on XX/XX/XXXX. I was moving out that month and had a prorated amount of {$530.00} due in XXXX. On XX/XX/XXXX, the day rent was due, I went online to the portal and paid. I found a couple days later that I had a demand for rent letter on my door and a late fee for {$120.00}. 

I contacted the property on Saturday and talked to an employee named XXXX. I told him that I had indeed paid my rent on time, as you can see every other payment was on time, but that the portal must have been down/broken. He did acknowledge that the portal had been down that day and said that other residents had called in about that problem as well. He said I did not have to pay the late fee and to reach out to the property manager as well I then followed up with XXXX XXXX, who was the Assistant property manager at the time, and she confirmed that I did pay on time and the notice was just in case I didn't move on our agreed date, XX/XX/XXXX. 

I should not have a Late fee for XX/XX/XXXX rent. I did pay my rent on XX/XX/XXXX, and the property acknowledged the fault had been on their end and that I would not owe any additional money.
My sister XXXX XXXX is mentally ill and her home was wrongfully sold at auction. 
She became mentally ill over many years and has progressively become worse. 
XXXX signed a mortgage on XXXX XXXX XXXX in that mortgage included a note drawn on the same day by XXXX ( now Well Fargo ). The note clearly shows 120 payments ( 10 years ) to be completed on XXXX XXXX XXXX. The deed drawn on the same day mistakenly show a completion date of XXXX XXXX XXXX! XXXX XXXX foreclosed in XX/XX/XXXX and sold my XXXX sisters home for {$6500.00} on a debt that was owed. They did so 5 years past the statute of limitations to collect. The statute of limitations in Alaska gave them 6 years ending XX/XX/XXXX! The debt owed was {$1700.00} according to them but nothing was ever recorded or sent to my sister of this amount owed. 
To be clear no payments were received past XX/XX/XXXX and they XXXX XXXX foreclosed on the deed not the note Further the bank had already taken funds from my sisters account by mistake in XX/XX/XXXX and she had not been repaid this money so she stopped paying so they could clear up their mistake ... they never repaid her. 
To be clear : Wells Fargo sold a worthless note in XX/XX/XXXX to XXXX XXXX ... and these XXXX along with XXXX XXXX and XXXX XXXX sold the home at auction. Breaking federal credit laws collection and state statutes covering statute of limitation on collections. 
The bottom line is this : 1 ) My sister was found by a court to be incompetent 2 years prior to the sale. 
2 ) They were 5 years past the statute of limitations to collect! 
3 ) They sold the home for too little. 
4 ) They had no rights to collect. 
My XXXX sister is now living in the streets because of their errors and with the type of XXXX she has its difficult for family to help her. We have now had to go to court to get conservatorship of her so we can try and right the wrongs these idiots have done to her! 
a {$200000.00} house sold for {$6500.00} on a debt of {$1700.00} that they had no authority to sell ... 
is there a federal agency that can please help us in this matter?
I am writing to file a complaint on XXXX XXXX XXXX. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XX/XX/XXXX XXXX XXXX XXXX Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is United Check Recovery Bureau , Inc . I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XX/XX/XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was XXXX XXXX XXXX they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the United Check Recovery Bureau. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? 
I have now been hit twice by the bureaus and my score has dropped tremendously.
I am a victim of a online scam. I used money gram to send the money and after finding out that it was a scam I contacted money gram to see about recovering the money, they wo n't give me info. And are n't trying to help recover the money.
Threats against me of physical nature, threats of illegal service of false collection/court documents. Called my brother attempting to obtain personal information about me on X/XX/17.
I have been trying to get a loan mod from Selene Finance for over a year. 
Selene Finance has refused to give me any notification that they denied my loan modification request. I was only told over the phone by XXXX that my loan mod request was denied 5 times and there was no reason for the denial. Now they are notifying me that they will auction my house on XX/XX/2018. 

At mediation earlier this year, the lawyer for Selene Finance lied in mediation three times in front of the judge. He said he had sent me a loan mod package. He said I did not accept a loan mod package he sent. And he said that I had never sent a loan mod package ( which contradicts his first two lies ) ; He presented a loan mod package in mediation which was basically saying pay the same mortgage you can't afford to pay.