WillisBack/dataset-financial-user-claim huggingface dataset:
I am currently in the process of obtaining a mortgage loan. In order to qualify for a lower interest rate I needed to bring my score up 2 points with Equifax, bringing my XXXX score to a XXXX. My mortgage lender uses XXXX XXXX to pull credit reports & rescores. In an effort to bring my score up 2 points with Equifax, I payed down a credit card. 

Instead of going up ( as predicted ) my score shockingly dropped 9 points with Equifax! XXXX XXXX and lender had no idea how or why. XXXX XXXX contacted Equifax, who admitted they incorrectly updated the new balance & available credit limit, there by creating the score to drop. Equifax corrected the information. However, according to XXXX XXXX, Equifax said that updating these numbers " messed up their reporting algorithm '' and now my score will reflect the incorrect lower score for the next 4 months. 

Equifax is pointing the finger at XXXX XXXX, saying they corrected their mistake, and XXXX XXXX can request a new score. And XXXX XXXX is pointing back at Equifax saying they inputed incorrectly, and now it is still not reflecting a true, and accurate credit score because the algorithm was " messed up ''. 

I 'm being told there is nothing that can be done by XXXX XXXX. Now I 'm stuck paying a higher interest rate & mortgage insurance on my loan because of false/incorrect credit score. Because of this incorrect information, I 'm paying more, and no one will fix their mistake, and report a correct credit score. 

I received information back on the rescore on XX/XX/XXXX. Also, no one from XXXX XXXX will talk to me. They told my lender, they do not, and will not communicate directly with consumers. This " mistake '' due to Equifax & XXXX XXXX is costing me an additional {$200.00} a month on my payment. It 's a big deal to me, and I should n't have to pay more because my score is being reported incorrectly. In addition, XXXX XXXX has told my lender that my score will be " stuck '' at the lower score for 4 months. I do n't understand how this can be.
I contacted Equifax and explained that I have a chapter XXXX bankruptcy that was discharged XX/XX/2018. All debt on my credit report was included in the bankruptcy. I provide proof of case number XXXX. Equifax responded that there was no bankruptcy and the company says this {$200.00} bill with XXXX and XXXX is not included with a bankruptcy chapter XXXX. Not to mention when I call the customer service rep is refusing to transfer the call to a manager and stating to me several times, " I am trained to assist you with this matter. I also advised them that a company called XXXX XXXX  which is a  buy here pay here the company is reporting inaccurate information on my account. I have been making payments biweekly on the account, and they have forwarded me my payment history and Equifax is saying that they can't do anything they only report. I asked well what about protecting my rights. Equifax customer service is rude, and I recommend them to retrain or hire new people that can assist their customer. I requested them to remove XXXX XXXX off my credit report and XXXX XXXX XXXX, and all I am getting is people who are not speaking English well and taunting me and not removing this information from my report. I was unable to speak with a manager, and I was transferred to 3 supervisors who kept saying call back in 30 minutes to an hour because our systems are down and then I was told after the fourth time call back are system is updating. Equifax has had a data breach, and I don't trust this company. XXXX public schools have warned me of there data breach, so I do not trust how they do business especially since they let their customer service dispute center treat their customers anyway.I had two disputes and one was a reinvestigation which lets you know they are not doing their job.
I contacted the FTC in regards to a credit reporting which I disputed, FTC was able to get it removed from my credit report, my credit report confirmed the removal, and now it 's back. Under XXXX XXXX for XXXX dental in the amount of XXXX, I want it removed again, I 'm disputing this claim as well.and is this legal for them to do this.
I request debt validation on XXXX XXXX and they received my certified mail on XX/XX/XXXX by XXXX XXXX. They did not response my request. Same request were sent to XXXX XXXX XXXX XXXX three times. They send me very suspicious fraud letter back on XX/XX/XXXX and XX/XX/XXXX. Billl of Sale was mentioned Exhibit 1 but it was blacked out. I report FTC for ID Theft who named XXXX XXXX XXXX ( XXXX XXXX No XXXX ) and XXXX XXXX XXXX XXXX.
After trying to get a Mortgage Modification since XXXX. On XXXX XXXX, XXXX I received a " XXXX Modification '', with the new principal balance of my note to be {$270000.00}. With a interest rate of 3.5 %. I am to pay this note for 19 years with a final balloon payment of {$180000.00}. Due and payable on the new maturity date. I also must have my signature notarized, and return the documents to Chase Bank by XXXX XXXX, XXXX, or I would no longer be eligible for this modification. My XXXX XXXX, XXXX Loan Overview, from Chase Bank, shows my Original Principal Balance to be {$170000.00}. My Unpaid Principal Balance of {$180000.00} At a interest rate of 7.36500 %. My Escrow Balance ( {$20000.00} ) My Unapplied Balance {$940.00}. And XXXX XXXX Balance of {$9100.00}. ( Minus my Unapplied Balance of {$940.00} ). This total is {$210000.00}. 
This " modification '' puts me in worst shape than I started out. It does not make my " XXXX XXXX ''. In the modification documents, Chase Bank does not state, why my Principal Balance was increased, by {$69000.00}. The web-site XXXX, shows my home to be worth, {$210000.00}. 
This " modification '' puts me upside-down, in the housing market. With no chance of refinancing to a VA loan for which I am eligible. Also I expect my home-owners insurance to increase substantially, due to the substantial increase of my new Principal Balance. 
How can this be a " XXXX XXXX Modification ''.
Barclays bank took {$9700.00} from me and instead of paying off my Barclays account off, they sent the money to XXXX XXXX XXXX and paid that amount on the card I had there. I contacted them several times and told them what had happened. They investigated and sent me a refund check in the amount of {$9700.00}. After several weeks and additional conversations with them, I cashed the check and sent them a payment of {$9400.00} to pay off my account. After a few days, Barclays stopped payment on the refund check. This caused my checking account to be overdrawn by several thousand dollars. I contacted them to ask them what was going they said we stopped payment on it because that would put them in the hole because XXXX XXXX XXXX has the original money. They never contacted me to tell me that not the cash the check. I held it for almost a month. I asked them why they sent the refund check in the first place, I never asked for one. They had no answer for that. I talked to a Supervisor ( XXXX ) and he said that they really messed up. Also, he said the only way I would get the money back was to get XXXX XXXX XXXX to refund me the money. I told him why would have to do that. It was n't my mistake. Barclays should be asking for that money back. They have done nothing in the last two days. I 'm now short {$9700.00} dollars.
I made on line reservation on XXXX XXXX, 2015 on XXXX ( XXXX ) to stay at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX for a stay from XXXX XXXX to XXXX XXXX, 2015. 

Upon arrival at the XXXX XXXX at noon on XXXX XXXX, I found the hotel under extensive renovations which was noted on the hotels web site. When I walked into the lobby there were painters painting and I informed XXXX . XXXX the day manager I could not stay here because how paint fumes effect my breathing. He told me that they would charge my card anyway. 
I went and stayed at another hotel in the area.
On XXXX XXXX 2017 I initiated a transfer to my checking account at XXXX XXXX XXXX in the amount of {$85.00} to bring my account to the positive as it had been overdrawn overnight. The remaining balance was made immediately available by my bank with no restrictions whatsoever so I would have been able to make an atm withdrawal or any other debit purchases successfully. 
So been a consumer and knowing that my funds are available I went ahead and made two P2P transfers of {$10.00} and {$20.00} to my other account at another bank ( XXXX XXXX XXXX ) to cover a negative balance there as well to avoid an overdraft fees. The next day day I checked both accounts and the one at XXXX XXXX XXXX was not charged any overdraft fees because of the transfer I made to it before the banking day ended. However that was not the case with Capital One. Capital one had gone ahead and charged me {$70.00} in overdraft fees for no apparent reason and thereby overdrawing my account by {$67.00}. I called to let them know that they have erroneously charged my account but they insisted the fees are valid and would not issue me any refund. I explained to them there was available funds in my account before I made the transfer and the transfer would not have been successful if there was no funds available in the account. And the fact that the negative balance of {$67.00} on the account is less than the total overdraft fees of {$70.00} proves that indeed there was at least {$33.00} in the account when I made the {$30.00} instant transfer because the transfer amount is immediately taken out of the account when you inititiate it. They had previously charged me {$100.00} in fees earlier that week although I made deposits to bring the account to positive but I decided not to fight those fees. 
However I cant let them get away with this two fees because they are not valid whatsoever and the fact that XXXX XXXX XXXX did not charge me any fees proves my point and I believe all the banks are governed by the same rules and regultions
In XX/XX/XXXX, I saw an entry on my credit report from Ad Astra Recovery for a loan they alleged I took out in XX/XX/XXXX. I sent a request for information proving the debt was indeed mine because I am certain I have never had any business dealings with this company. The first response was a generic response with just my personal information such as date of birth and last four of my social. ( which can be obtained through public records ) See attachment. I then submitted a dispute through the XXXX credit bureaus because according to XXXX what they provided was not proper validation so I requested that the information be removed from my credit file. The debt came back as " verified ''. In XX/XX/XXXX, Ad Astra sent me a settlement offer stating that I can make bi-weekly payments of {$220.00} to settle the debt however I refuse to settle a debt that has not been proven to be mine. See Attachment. I reached out to Ad Astra in XX/XX/XXXX, again requesting proper validation according to FCRA and Texas Finance Code, This time they responded with a " contract ''. I combed through all pages of documents NONE of which had my signature agreeing to the terms of this alleged contract with the original company nor did it include any documentation agreeing to a contract of terms of payment in which I have defaulted with Ad Astra. I believe this company is trying to take advantage of me as a consumer as if I do not know my rights. They have ignored my multiple request to validate this debt according to federal and Texas state law. So far what I have received in generic documentation that can not be used to conclude I indeed owe this debt. Again I do not have a contract with Ad Astra and the documentation showing a contract with the original company does not include my signature. It is obviously a typed fill in the blank contract. I want this removed from all XXXX bureaus immediately and all collection attempts ceased.
I was a Citibank customer for more than a decade. The checking account was opened as a Total Free checking according to the contract and I had been using the checking account for years without any fees being imposed on the account. Several years ago, I switched to XXXX but didn't close the Citibank accounts. The Citibank bank accounts were inactive for several year since I switched to XXXX. I did not received any notifications on changes of service/fees on the checking account until couple months ago, out of total surprises, Citibank bombed me with many notifications asking me to pay $ XXXX monthly service fee - confirmed with customer service that the entire {$920.00} was monthly service fees accumulated over years when the account was inactive. 

I tried to resolve this issue by working with Citibank 's customer service, but have been unsuccessful. Citibank intentionally not to send me any notification earlier when the service fee balance was much lower - they have been secretly accumulating service fees on my account for years without any communication so that they can charge me a huge amount at once, without any agreement. 

I hope someone could help me to resolve this issue, but don't know where to go. Hopefully, publishing this horrible experience of mine with Citibank can help other consumers not to be victimized by this bank.
On XXXX XXXX I received two letters, one from XXXX Bank and another from XXXX XXXX alerting me that an application for a credit card had been submitted but they were unable to process this application without speaking to me directly and verifying the information provided. I reached out to both banks and realized I had been a victim of identity theft. I contacted the credit bureaus and received copies of my credit report which listed inquiries made. The thief made well over XXXX inquiries on my behalf, all of which were never processed and were under review by the creditors- except one from Capital One. 

I received a letter in the mail dated XXXX XXXX, 2017 from Capital One, it is addressed to my current name stating, " We need to reach you because we think a credit card account may have been opened fraudulently ... '' My complaint is this, the thief is using my maiden name which by the way is misspelled, they are using a date of birth that is not correct, and they are using the wrong mailing address. How is it possible that every single bank/creditor was able to make sense of this fraud but yet Capital One still opened up an account. 

I reached out to Capital One and sure they were very pleasant to speak with and stated the account had been closed per our phone call but my problem is that it was opened to begin with. My personal information has been put out there and it is a scary feeling knowing someone is using it, what 's even scarier is that banks such as Capital One feel it is okay to open up an account when there are clear red flags. They suspected fraud and still moved forward with approving it.
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX
I sent a debt validation letter to Pinnacle Credit Services on XXXX/XXXX/2015 and they ignored my request for validation.
Nationwide Recovery Service has debt reflecting on my XXXX credit report that I was told is a medical bill. I was never contacted in reference to nor do I know what this debt is for.
Shown below are messages sent to the debt collector XXXX XXXX XXXX (XXXX XXXX XXXX XXXX/XXXX XXXX XXXX; XXXX, XXXX XXXX; XXXX). This issue is the following: I am a landlord and the debt is for on of the units I own. I have never lived at the location of the dept. Each of my tenants receive their utility bills directly to them. The utility payment is not included in the rent. The utility company should attempt to collect the debt from the tenant  at the location of the debt.
 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX. XXXX XXXX.XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX

From: XXXX XXXX XXXX 
Sent: Wednesday, XXXX XXXX 2017 XXXX XXXX
To: #XXXX
Cc: XXXX XXXX XXXX
Subject: Re: Dispute 

I received a letter for Convergent dated XX/XX/2017. Please consider this my response to the consumer information guidance on the reverse side of your letter.

I dispute the total validity of this debt. 
Request to receive verification of the debt and or obtain a copy of a judgement ( I asked for this information in my message below).
Receive a copy of such judgement.

As a solution to this issues I recommend the following: have the Creditor determine the party who used their service(s) and pursue collection of debt from them. For my protection, I am forwarding a copy of this message to the Consumer Protection agency. 

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX.XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX.

From: XXXX XXXX XXXX 
Sent: Wednesday, XXXX XXXX, 2017 XXXX XXXX
To: #XXXX
Cc: XXXX XXXX XXXX
Subject: Dispute 

I received a call from Convergent XXXXX17. I informed the caller that I have no debt due to Consumers Energy to my knowledge. I have never resided at the residence in questioned where the debt is assigned. I asked for documentation. I was told it would be sent. I have not received it. 

In response to the information you need to investigate the dispute.
Identify the specific information that is being disputed. I don't have an outstanding obligation.
Explain the basis for the dispute. I don't have a basis. I did not raise the issue.
Include all supporting documentation to substantiate the basis of the dispute. I have no supporting information. 

Please contact me if necessary. I will be as responsive as possible to resolve the dispute. Have a good day. 

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX. XXXX XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX.
On XX/XX/XXXX I received a call from the debt collection agency Portfolio Recovery Associates to my secondary cell phone number XXXX at XXXX pm. I enformed the debt collection agent that I do not want my phone call recorded and to please do not contact me at all. The debt collector was persistent in getting me to confirm my name and address, so I gave the debt collection agent my Directing Attorneys XXXX of XXXX Law Firm 's contact information. The debt is from a old XX/XX/XXXX credit card that has long expired the statute of limitations to collect upon after 7 to 10 years and by law the debt is forgiven and can not be re-aged by the the laws Passed In the FDCPA Fair Debt Collection Practices Act of 1970.This debt does not currently reflect on my credit report nor do I claim any responsibility for this debt. I want this complaint to be reviewed and please contact the debt collector and have them review the FDCPA. Any further attempts from this collect will result in legal action due to harassment.
What is the complaint about? : Nationstar Mortgage XX/XX/XXXX, Response to Complaint filed with CFPB on XX/XX/XXXX. What type of problems are you having? Fraud ; Inconsistent Statements What Company is involved? Nationstar Mortgage Who are the people involved? Nationstar Mortgage Research and Response Department Nationstar Customer Relations Specialist, XXXX XXXX What happened : On XX/XX/XXXX, we received Nationstars response to our first complaint # XXXX. Nationstar was directed to remove the flood protection insurance placed on the property located XXXX XXXX XXXX, XXXX, CA XXXX. In their response, XXXX XXXX states, our records do no ( sic ) indicate that flood protection insurance has been placed on the account nor have we ever escrowed for this item. We understand that the property is not in a flood zone and we have escrow for hazard insurance and taxes. XXXX XXXX statement is in direct conflict with Nationstars XX/XX/XXXX, Research Reference # XXXX letter, which stated, A Notice of Payment Change that reflected the monthly payment increased to {$1200.00}, effectiveXX/XX/XXXX, was sent to the attorney and bankruptcy courts. In reviewing the escrow account, we confirmed that the increase in the property taxes and purchase of lender placed flood insurance coverage, effective from XX/XX/XXXX, to XX/XX/XXXX, has contribute to the increase in the monthly payment. You may also purchase insurance and provide proof of the policy to cancel the lender placed insurance as a policy you purchase would likely be less expensive. Once we receive proof of the insurance we will cancel the lender placed insurance and refund the paid premiums to the escrow account. We have had insurance on the XXXX XXXX property since XX/XX/XXXX. Our insurance is through XXXX XXXX. Since XX/XX/XXXX, Ive mailed proof on at least two occasions to Nationstar, XXXX XXXX XXXX, XXXX Ohio. My other issue with Nationstar is they are stating as of XX/XX/XXXX,  the interest on the mortgage payment will adjust 1 % due to the modification agreement, house payment {$940.00}, which I completely understand. However, XXXX XXXX is stating the monthly escrow payment is {$460.00} which makes the mortgage total {$1400.00}. The monthly escrow payment amount is incorrect because they are still charging us for hazard insurance which I have been trying to have removed. I want this lender placed insurance removed ASAP and the paid premiums refunded to the escrow account as stated in their XX/XX/XXXX, letter.
I HAD FORECLOSURE COMPLETED ON XXXX/XXXX/2009 FROM XXXX XXXX. IN ADDITION I HAD A XXXX MORTGAGE THAT WAS INITIATED AT TIME OF PURCHASE WITH CITIBANK FOR {$20000.00}. THE XXXX MORTGAGE IS STILL ON MY CREDIT REPORT AND BEING REPORTED AS A NEGATIVE ACCOUNT AND BALANCE DUE OF {$19000.00}. I WOULD LIKE THIS ACCOUNT TO REFLECT A {$0.00} BALANCE AS IT IS RELATED TO MY FORECLOSURE. THANK YOU
Performant Recovery XXXX Inc. has been collecting on my student debt from XXXX for over a year with a set amount of {$63.00} that is automatically taken out of my checking account each month. They have not taking out a payment since XX/XX/2016. So my complaint is that since they have not been taking any money out to pay on my debt it is not getting taken care of. My current amount that is left is {$3800.00}
NEED TO REMOVE XXXX XXXX XXXX FROM ACCT XXXX AS AUTH USER.
On  XXXX   XXXX ,   XXXX   I picked up mail from  XXXX   XXXX   XXXX   XXXX  which they were holding for no apparent reason. I found QCS notice to collect {$450.00} from me. I called asking what this was about and all they would say that it was a outstanding bill from  XXXX   XXXX  for {$160.00} .i asked for information and they only said it was turned over them the beginning of  XXXX . I stated that I never received any bill from  XXXX   XXXX . I called  XXXX   XXXX  and all they told me is that the account was closed.
I have accounts reporting on my credit file that do not belong to me. This includes the XXXX account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.