WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX  in  XXXX  Florida, entrapped us as buyers of new construction to utilize their mortgage company ( UAMC ) to finance the second home purchase in  XXXX , Florida. We were offered that they would pay our closing costs, as long we used their lender. Their lender cam back to us with a very high interest rate and inflated fees to close on the home. We obtained a  Loan Estimate from another lender with considerable lower interest rate and lower  monthly costs. When we approached  XXXX  with matching or coming close to the other lenders pricing, we were told they are unable to. We asked to include closing costs and they were unable to, we asked for them to refund our good faith money and they refused, saying that we agreed to use their lender. This is a case of steering where they steered us to use their lender and then inflated costs and added points to the loan amount in order for us to use their lender.     Cost of  Home  {$320000.00} Amount of good faith money - {$16000.00}  Interest  rate offered by UAMC/  XXXX  4.0 % with  XXXX  discount points. Monthly mortgage of $  XXXX  per month Interest rate offered by our lender 3.87 % with  XXXX  points. Monthly mortgage of $  XXXX  per month.     All of these events occurred in  XXXX    XXXX   We notified  XXXX  UAMC  to  return our good faith money on  XXXX / XXXX /  XXXX   and they refused and threatened to keep it, if we do n't move forward with the purchase of the home.
We applied for a mortgage loan from JP Morgan Chase, and got approved and given a commitment letter. However, the underwriting asked for supporting documents a few at a time, and never reviewed timely. We were not able to close on the original agreed upon date of XXXX/XXXX/2015, and were delayed again to miss the second closing date of XXXX/XXXX/2015. When I try to contact their underwriting processors, they would not even pick up the phone, or reply to my email.
i have two items showing collection on my equifax report was due to identity theft they will not remove it after i show them my police report one was with XXXX XXXX for {$11000.00} and the other was with XXXX XXXX / XXXX for {$2600.00}
filing a complaint on EXPERIAN ... XXXX   ... .AND XXXX . 
these 3 credit bureau are resonsible for leaving old accounts in my credit report. 
MY ACCOUNT SUMMERY : OLDEST IS 7Yrs. 10mos. next is 2yrs. 5mo. last ,5yrs.3mo ... 
i have not ever taken out a loan, im on XXXX. my idenity has bn. used. and my so.security # S.Secuity number as well. i have filed with the FEDERAL TRADE COMMISION ..I HAVE A INDENITY THEFT REPORT. FTC REPORT NUMBER XXXX, which i will be sending a copie in the mail of faxed to your office ...
CFPB Complaint Experian XX/XX/2016 Reference Credit XXXX Bank XXXX. XXXX Credit Card XXXX XXXX XXXX XXXX Why does this account continue to be reported under furnisher XXXX XXXX Bank and not XXXX XXXX Bank, NA? 
Attached is my Experian Reports Experian report number XXXX dated XX/XX/2016 results of an Experian investigation show XXXX furnishers for the same account XXXX And XXXX Experian report XXXX dated XX/XX/2016 Furnisher reporting for same account XXXX Would n't the correct furnisher for this IIN or BIN number be XXXX? 
Could you please look into this? 
Thank you in advance for your time in this matter.
XXXX had a special going on where i got a discounted price on calls to international country. Called got the special and apparently the country i was calling wasnt on the special, i asked the representative multiple times before i took the special if the country i wanted to call was in the special she said yes it was so, i went ahead used the service to call internationally. went on vacation came back and my service was discontinued i called the service provider i was told i had to pay the bill because the country i was calling wasnt in the special so i told the representative that the lady who helped me assured me that the country was in the special he said " well its not so you have to pay the bill '' I said to him are you crazy where am i going to find all that money to a phone bill. From that day i never use XXXX again they are rip offs
I had a rental advertised on XXXX.I had a person named XXXX XXXX apply to rent it.He gave me a XXXX XXXX check for {$1000.00} to hold it, he had an unlawful detainer on his record so I denied him rental.He then got a friend/employee of US Bank, my bank, to illegally access my US Bank account on two different dates, XXXX and XXXX XXXX, confirmed by my home bank manager, XXXX XXXX of US Bank XXXX , NV . The employee who illegally accessed my account is XXXX XXXX, XXXX branch of US Bank in XXXX XXXX, the employee/friend of XXXX XXXX, he gave the person off of XXXX my physical address off my personal checks, I confronted the employee directly and he lied to me about accessing my account, even though I already knew where and when he did and started sending me condescending, baiting emails when I told him how dishonest he is.Now the person off of XXXX is sending me threatening letters, stalking me etc.I am now putting my home up for sale and I am scared to death.This is multiple violations of the Ca. financial privacy act.
I have credit inquiries that were made during the same day and I only allowed one per day. I only signed for one application. I need your help in deleting the unauthorized hard inquiries.
On  XXXX   XXXX ,  2017  I was  discharged  from a  Chapter  #  XXXX  Bankruptcy. On  XXXX   XXXX ,  2017  I received a letter from the Attorneys of my Mortgage Company, the letter was accusing me of violated  # 1322 ( b ) ( 5 ) of the Bankruptcy Code. The creditor states that I missed two mortgage paym ents.   This is not true, and this is not the first time this particular company has given us problems.   I am a  XXXX  veteran who suffers from  XXXX , I do not need anymore  XXXX  in my life. My family and I work very hard to pay our bills, and stay above water. I did not miss a Chapter #  XXXX  payment or a mortgage payment.   We do not have the money nor experience to battle with the lawyers and mortgage company.     Please Help.
the collection company contacted me with XXXX % debt reduction offer for payment if made by XX/XX/2016. I sent the check that was dated XX/XX/2016. 

they contacted me again on XX/XX/XXXX ( after a whole month ) to say that they have not rcvd the check on XX/XX/XXXX but on XX/XX/XXXX hence the XXXX % offer is not valid and they are requesting the remaining XXXX %. 

Also, the collection company did not report to credit bureau that i paid the XXXX % or that by their offer that dept should no longer exist. 

since I did n't send my check via register mail, it 's their word against mine. i did try to reason with the person i talked to that 1 day should by acceptable for error margin but they refused.
I received a letter several months ago from Linebarger Goggan Blair and Sampson stating they represent the state of New York Thru Way and that I have XXXX in unpaid tolls through the State of New York through the XXXX XXXX XXXX. I called and sent them a letter advising that I have never been through the state of New York and that those tolls could not possibly be mine. I requested by telephone twice and in writing evidence including dates and photos and they will not provide me with such. I advised them that I will not pay anything until they produce specific evidence as I have never been through the state of New York. The collector I speak with at this point invariably gets nasty. I have to assume this is a fraudulent attempt to collect a debt and perhaps someone is impersonating the law firm? They keep giving me the account number XXXX
XXXX XXXX XXXX XXXX keeps changing the status of this account on my credit reports. First they were reporting that this account was included in a bankruptcy ( which I never filed for ). I immediately disputed that information and the bakruptcy was removed. Then the account was showing as a XXXX balance now this month it is reporting from XXXX balance to a balance of {XXXX}. This information is incorrect. XXXX has finally removed this account off my report. Transunion just changed my report adding this balance from XXXX to XXXX which caused my credit score to go way down. This account has been agreed upon to remove off my credit reports. Every month it keeps changing and XXXX XXXX XXXX XXXX XXXX keeps adding additional information in the comments which is affecting my credit score in a negative way. How can a previous month report as a XXXX balance then this month report a balance of {$6600.00}. This was finally corrected and now were back to square one. I spoke with XXXX XXXX XXXX months ago and this problem was rectified now it 's reporting as I missed a payment that is 30 60 90 days late. This is crazy and I am submitting this complaint about XXXX XXXX XXXXXXXX XXXX/transunio/XXXX about reporting false information and not fixing my credit report.
In the process of attempting to get a mortgage loan for XXXX people with FICO scores at XXXX and XXXX, we were given the run around in every manner you can imagine. We were operating under a 30 day escrow with a XXXX ARM. The lenders asked for everything in our history you can imagine. I 'm not against them doing their due diligence. They should have been doing it when they were falsifying records and looking the other way. But now along comes an honest buyer with great FICO scores we 've worked hard to attain. They held up the process with day after day after day of hassling us for more and more information that we finally had to stop the process and withdraw our offer. This was because I had to have a place to move to in California since the loan folks had assured me all was fine it was just a few more details. Weeks later, after I turned in our lease termination, they were still asking for information. The final straw was when they started asking for 2014 taxes ( for the XXXX time ) and then asked us to " explain '' my husband 's first job out of college ( 30 years ago ), my former married name ( 27 years ago ), and various other historical pieces of data from 15-30 years ago. They said it did n't match on different reports they had. But they did n't send us the reports so we could see what did n't match. And honestly a first job out of college from 30 years ago, what bearing does that have on current credit worthiness? They claim it 's all XXXX requirements, but I know that is not the case. It really seems they do n't want to make loans at good rates so they just make it impossible. 

And now they 've screwed up my credit report by having XXXX mortgage loan credit inquiries made, which do n't go away for 2 years. another way to make us " pay '' for just trying to buy a house. FICO says that loan mortgage inquiries are not included in its calculation, yet each of the credit reporting agencies stated that I had too many inquiries on my report that impacted my overall FICO score. Now i have to live with that for two years, or spend a week writing letters to no avail ( I 'm sure ). If this is a country that runs on credit then we are in deep trouble when the only people who can get loans are the ones who do n't pay them back. 

Please find some way to convince the mortgage companies to be more reasonable in the info they ask for and to remove credit inquiries after 3 months of no loan follow-through. Thank you.
Tried to reach out to them to let them know the apartment balance was paid to end the lease.. in 2013. They will not talk with me only hang up the phone and say contact XXXX but this debt is not mine. Even asked to just pay it to get it off my credit because Im trying to purchase a home and this is the only thing on my credit and thats how it was found out was never contacted by the apartments or from This company in no form shape or fashion. EVERYONE THERE ONLY HANG THE PHONE UP IN YOUR FACE.
In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of negative information on my credit report, which does not belong to me. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to Equifax. Equifax responded by deleting 3 of the 4 negative accounts that did not belong to me, they stated that after the investigation they have found that I was responsible for one the accounts which is XXXX XXXXXXXX XXXX. Thats it, no evidence or proof of their investigation.
I have contacted Chase multiple times about a balance transfer that never went to my credit card account at XXXX credit union. On XX/XX/2016 Chase stated the transfer was sent to the wrong account at XXXX. They opened an inquiry about it and said they would try to get the funds placed in my account. Today it has been over a month since the first contact with Chase. I called Chase today XX/XX/2016 and XXXX said that the transfer was denied due to the account number being incorrect and that I would receive a letter in the mail stating this information and the funds would be refunded to my account. XXXX also said that I could initiate another transfer with the correct information. He could not say when the funds would be refunded to my account only that they are working on it. In the beginning I asked Chase if they could provide me with the account # that the funds were sent to and they said no. I have been making payments for over a month on the same balance on XXXX different cards. Sorry I even initiated the transfer in the first place.
I attended XXXX XXXX XXXX XXXX XXXX FL campus in XX/XX/2007 and got a loan from Sallie Mae  for approximately {$7000.00} later I graduated from the school and the school declared bankruptcy and didnt do any of the job placement help and everything else they offered when signed up. To make matters worse I have been paying on a bloody subprime loan over 13 % interest rate for over a decade and owe more than I did when I first went to school at this rate I feel my mortgage will be paid off before this loan they put most of the funds to interest and my payment is XXXX a month to make it all worse I called for a settlement and they suggested I have to be delinquent before I can negotiate my debt. Horrible company ripped me off. Sallie Mae now Navient
XXXX XXXX XXXX Reported to XXXX that i have a balance of XXXX with XXXX XXXX XXXX XXXX. I settled This account over 2 months ago. I received a letter from the creditor stating that the account is paid. I have since disputed the item with XXXX. XXXX  says that the Creditor has told them that i still owe the debt as of XX/XX/18. XXXX at XXXX  said that Sentry  said i still owe, XXXX XXXX from Sentry on behalf of XXXX XXXX XXXX says that Sentry can not help me and will not fix this credit reporting error.
On XX/XX/2018, Nationstar Mortgage LLC dba Mr Cooper sought out and convinced my parents to refinance their mortgage. Their names are Mr and Mrs. XXXX XXXX XXXX, XXXX. They both passed away on XX/XX/2018. This is when this came to light. My parents were both old, XXXX and XXXX, and both had major illnesses that would have prevented them from entering into a contract of any kind on their own. My father suffered from many health issues including early XXXX. This was a case of predatory lending at its worse. They had a 30 year mortgage that they were 10 years into. Mr cooper redid this into a 15 yr mortgage to save 2 % but added nearly 7k to the note. This didn't even make sense. My parents did not enter into any contract unless my sister, caretaker, or myself was present. They preyed on them just so they could make commission. This is criminal. I've asked for this to be searched out before and the NC Attorney General is also researching it as fraud due to predatory lending. Their acct number is XXXX. I am including the clerk of court filing and a notary letter giving any and all permission for me to handle this for the estate.This has cost the children of the deceased their childhood home.
Kohl 's calls me AT LEAST 6 times a day from different numbers. I know it is them each time because the numbers are very similar and sometimes, not always, will leave a voice mail. I usually ignore the call because I 'm at work or getting my kids to bed when they call. Once I did answer it and the rep immediately asked for my banking information or credit card information. He made zero attempt to work out a payment plan i could afford until I asked. He then threw a number at me and kept pushing for my information after I told him repeatedly I ca n't make a firm decision without discussing the budget with my husband.
Equifax did not properly verify the information in my credit report. They did not contact the New York State Department of Taxation and Finance regarding this information.
I signed up for the  Barclay Gold MasterCard arou nd  XXXX   XXXX . I was approved for the card with the following benefits : 0 % interest for the lifetime of the card while I was on  XXXX   XXXX  service, annual fee waiver of {$990.00} ( {$290.00} for each Authorized User added to the account ) for the lifetime of the card while I was on  XXXX   XXXX  service, and other small benefits. I recently received an email stating that Barclay changed their terms and are now making me pay the annual fee. The only way I can avoid the fee is paying off the entire balance of the card and canceling by  XXXX   XXXX . I am currently unable to pay off the card in this short amount of time and will be forced to pay the annual fee of {$990.00}. The entire reason I even got the card was because the original terms had the fee waived, I am unable to afford a credit card with an annual fee of {$990.00}.
Bank of America gave me the worst banking experience I have ever had. I had an auto loan that I was trying to pay early. I was paying a car loan off in full. I submitted a payment of {$2100.00} ( 10 day payoff balance ) which they took out. They then took {$2100.00} ( principle balance ) from my account, which caused my checking to go negative, causing overdraft fees. They Charged me for the Principle balance of the loan, AND the 10-day payoff amount. I entered the 10 day pay off amount. You have to physically type the amount. Bank of America tried telling me that, I physically typed both amounts within 1 minute of each other. I would have never done this. I also have my internet history which proves I only went to the make a payment page once. I had to sit on hold for 4 hours one day for them to even recognize they double charged me. A supervisor called me back the next day, and placed me on a 2 hour hold.  Then said they would cut me a check for the {$2100.00} a MONTH later. The extra {$2100.00} they took out caused penalties, bad checks and embarrassment. These fees resulted in {$150.00}. BoA refused to pay them back. I keep my money in multiple checking accounts, that is why I didn't have enough to cover the extra charge. Worst customer service experience ever. I had to sit on the phone for 5-7 hours just for them to confirm that they took additional money from me.
Select Portfolio Servicing , inc, employee XXXX XXXX has threatened to seize Property at XXXX XXXX XXXX, XXXX, PA XXXX without cause. This company has also failed to validate any debt owed on the property. I XXXX XXXX, President of XXXX XXXX settled Debt and Civil claim of the Property with the original servicer XXXX, terms settled under the Mines and Minerals Act.
Stearns Lending, LLC, is charging us late fees for a payment which was cashed by them 12 days before it was due. Our payment was due XXXX XXXX, 2016 ; we mailed in a check at the end of XXXX and it was cashed by them on XXXX XXXX, 2016. They did not credit the payment until XXXX XXXX, 2016, 22 days after receipt. Stearns Lending then sent us delinquency notices. 
On Monday, XXXX XXXX, 2016, we contacted their customer service department and forwarded a copy of the cashed check to the email address they indicated. Their automated email response indicates they will get back to us within two business days. I called Wednesday, XXXX XXXX, and the phone call with the representative was cut off. I called again this morning, XXXX XXXX, and was informed that the late charges can not be removed from the account until it is reviewed by a supervisor, and this is scheduled to occur next Thursday. This is for the second payment on a 30 year mortgage.
I went to XXXX XXXX in XXXX XXXX Oklahoma on XX/XX/XXXX the internet sales manager promised me that my credit would NOT be pulled and then in less then XXXX hours my credit had been pulled 3 times XX/XX/XXXX I complain to all 3 parties involved XXXX, ally financial, and XXXX XXXX XXXX XXXX  they refused to do anything about this issue so I then filed a complaint with the better business bureau and the Oklahoma attorney general and still nothing I was miss lead in order to get me to give them my information
The firm XXXX violated the Fair Debt Collection Practices Act when it caused my joint bank accounts to be levied. 
The debtor owns none of the money in the account - or only has funds in it that can not be levied at all, like social security or XXXX payments. My wife incurred credit card debts prior to marrying myself. Only my wife was a debtor obligated, obligated to respond to, XXXX.
Our firm handled a closing for on XXXX/XXXX/XXXX. On the day of closing, we had a payoff statement from XXXX showing an amount due good through XXXX/XXXX/XXXX. Interest was calculated and added through XXXX/XXXX/XXXX and our check was sent to XXXX in the amount of {$160000.00}. After two weeks passed and the check had not cleared our bank, I contacted XXXX and was told the check was received, but the loan was transferred to Shellpoint, along with our check. Our XXXX tracking notice shows the payoff check was received by XXXX on XXXX/XXXX/XXXX then forwarded to Shellpoint on XXXX/XXXX/XXXX. Shellpoint received the check on XXXX/XXXX/XXXX. I contacted Shellpoint and was told they would have to research the missing check and it would take XXXX business days. When I called back, I was told the payoff was short, and that a payoff statement from XXXX XXXX XXXX firm had been sent to our firm on XXXX/XXXX/XXXX. I was able to find the payoff statement from RAS in our file, which was entered after closing on XXXX/XXXX/XXXX ; so we were unaware XXXX XXXX was involved until after closing. When I spoke to XXXX about this second payoff that was sent to us, she confirmed it was sent on XXXX/XXXX/XXXX, and that because it was sent to us after our closing date, the initial payoff statement from XXXX would be honored. 

I talked to Shellpoint again and was told they would send me a payoff statement so that I could resend a check. I also contacted XXXX XXXX on the XXXX and was told I would receive a payoff statement as soon as possible. Finally, on XXXX XXXX, a representative from Shellpoint called me and left a voicemail. I returned the call and left a voicemail. XXXX XXXX with Shellpoint called me today told me that our payoff is short by {$4000.00} due to the accrued interest- which is a direct result of Shellpoint 's refusal to resolve this issue. 

Shellpoint has refused to provide our firm with an explanation or a written payoff statement ; and is instead, attempting to add an additional {$4000.00} to the amount due.