WillisBack/dataset-financial-user-claim huggingface dataset:
I had an XXXX visit last year as to which we were sent a bill for that was supposed to go to my insurance. After calling, it was sent to insurance and paid off. But then I got a letter from CMRE Financial Services claiming they were collecting my debt. After calling the hospital again, they said they removed the collection after the error was cleared. But the collection is still on my credit and ruining my credit and I 'm only XXXX. Any disputes I 've sent through XXXX have been denied. I owe no money, nor did I ever, but they are continuing to ask for it.
I have disputed the following tax liens with Transunion multiple times. Despite my best efforts they refuse to remove the negative accounts. The results of the investigation are that the accounts have been verified and to contact the furnisher of the information. I contacted XXXX XXXX XXXX court and they stated that they do not report to the bureaus. How can Transunion verify these accounts if the original furnisher does n't even report to them? The false reporting of these accounts is extremely damaging to my credit score and affecting my ability to obtain a mortgage. I would like them removed immediately. I have attached a copy of my credit reports reflecting the accounts in question. Below I have also listed them : XXXX XXXX XXXX : Tax Lien # XXXX Lien # XXXX Lien # XXXX Lien # XXXX Lien # XXXX
The bankruptcy court supplied me with a letter that they did not report a bankruptcy to the credit agencies, instead of removing the incorrect information that did not belong to me they instead only removed one of the two errors and told me I have to send in another duplicate letter I already sent them claiming they can only remove one derogatory remark at a time this is the second request they have ignored the first was my request of 9 hard inquiries I did not authorize a letter was sent and now a second letter request was sent and they have failed to address this by supplying me with documentation baring my signature for these items on my credit report so they have disregarded my rights to the fair credit reporting act 611 ( a ) ( 1 ) ( A ). Then Equifax only removed the reporting source of the U.S bankruptcy court but shows as a derogatory public record which did not remove the incorrect derogatory information instead left it on my report without any source of reporting agency information and failed to supply me with the method of verification that I requested and updated my personal information with incorrect information regarding my employment that was not disputed and shown correct before, I have been at the same employer for the past 14 years so there was no reason to make that changes to my personal information without any source of changes from any agency. As well as pulling a hard inquiry I did not authorize with their company. I can only assume they did all of this purposely because of the unprofessional conversation I had with their agency. Their practices in resolving my issues has violated the fair credit reporting act section 611 ( a ) ( 1 ) ( A ).
This loan was discharged in Chapter XXXX bankruptcy. received a call from FBCS regarding this debt. I am requesting a debt validation as I do not owe this debt.
I almost lost my home. Thanks to help from several agencies I got help. The last mortgage modification I got was supposed to square everything. They put a lien on my home for mire than XXXX. Put me back to owing 30 years on the mortgage. The rate went down to 4.25 I believe. This is all fine I guess, but for the last 6 to 8 months, it is hard to decipher, they keep adding charges on that no one can explain to me what they are or where they came from.Once a Rep for Bank of America told me they were charges from before the modification. I told her I thought that was odd that those would not have been taken care of through the modification. She found it odd as well but could not do anything about it. At that time I owed {$90.00} in ghost charges and was told they were not due until my home was sold or refinanced, and no interest was being charged.The agreement for the mod is a certain amount, the " regular payment '' on the statement is a different amount, and it now always shows late fees and penalties of {$15.00} that I guess rolls over every month like it is not a new charge? I have not missed or been late on a payment since the mod. I got my home loan statement from them yesterday and now shows a payment due of {$160.00} more than the agreed upon payment. It just keeps going up and up. I am tired of spending hours on the phone to end up having someone give me some silly answer that even they do not understand. Hope you can help.
I show XXXX inquires on my transnunion report that should not be and was not performed by me, I have requested by letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX
In XX/XX/XXXX, Quicken Loans , Inc., denied my application to refinance my home mortgage. After I complained about the refinance rejection, on XX/XX/XXXX, my application to refinance was conditionally approved. Later on it was denied again. This occurred despite the fact that my property was appraised at XXXX, and I have {$160000.00} in equity. However, the property appraiser indicated that it was not being used at its highest and best possible use.

My immediate area previously was occupied by single family residences. Nevertheless, in the process of gentrification, the former single family home lots, such as mine, now contain multiple residences. Of course that is a process over which I have no control. Nevertheless, I have been denied mortgage refinancing because of it.

Use of that policy by Quicken Loans , Inc., will have an adverse impact on minorities in this area, since those single resident lot owners who remain in the community after gentrification are more likely to be minorities. In effect, a disproportionate number of us will be more likely to be denied mortgage refinancing on that basis. Quicken Loans, Inc., would not be adversely affected by refinancing my home. Gentrification has caused property values to increase significantly on both single and multiple home lots. Consequently, Quicken Loans, Inc., would not be taking an unreasonable risk by refinancing my mortgage. Its failure to do so amounts to racial discrimination in mortgage refinancing. That should be illegal.
Dear CFPB, We are in the process of XXXX and as part of the process need a notarized letter from our bank ( Citibank ) regarding our account balances, ownership details and length of relationship which Citi has failed to provide delaying processing of our case. 
We would very much appreciate your help in getting this from Citibank so that we can proceed with the XXXX. 
Sincerely
My name, account number, address, SSN, etc have been leaked as part of the Equifax data hack. The hack allegedly occurred in XXXX XXXX, while the information to the public was released in XXXX XXXX. I 'm very concerned that this information can be ( and might have been already ) used for identity theft, credit lines, etc.
I bought my home on XX/XX/XXXXand i got Home owners insurance trhough XXXX XXXX which will be need to be renewed on XX/XX/XXXX. On XX/XX/XXXX I notified XXXX XXXX that i no longer will need the services for XX/XX/XXXX-XX/XX/XXXX. I got a new insurance company. yesterday i received a collection notice from credit collection services that i need to pay {$54.00} that i owe to XXXX XXXX i feel that XXXX XXXX have not honor me my cancelation notification 60 days prior to XX/XX/XXXX BECAUSE I WAS NOT RENEWING CONTRACT WITH THEM ANYMORE.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX License Number : XXXX XXXX ( Office ) XXXX ( Fax ) XXXX XXXX XXXX XXXX NOT A PROFESSIONAL PERSON TO DEAL WITH
Why am I still getting a bill? I paid off my account and if I would have been informed that my rewards would be lost if cancelled ( which I should have been ) I would have requested them paid to my account before cancelling and you would have been owing me money. 

It is not much fun to get a load of groceries and then be told that your card is being declined. You had my phone number and I should have been called about the fraud charges and let known that I would not be able to use my card. I was on vacation and it was at a very bad time to have this happen. 

I feel that because of the rewards that were not applied and I was not contacted about my card being declined -- - I do not owe you - you would owe me and I would be charging you late fees and past due amount. You owe me {$40.00} for rewards and I owe you only {$7.00}. You charged me a {$29.00} late fee before I even got a chance to pay on the statement.
I had few of inquiries affected my credit to low credit that which they told me that will not affect of inquiries to my credits until I was checked my credit scores and I found out that I had many inquiries. No wonder I cant get approval for buying first time house. I am learned about it for inquiries. Please helping me to remove the inquiries out from my credit scores. So I can buying new house with my first time. 
Thank you, XXXX XXXX.
Experian and XXXX credit companies are not updating my personal credit that I have disputed and that Lenders such as XXXX/XXXX XXXX, XXXX XXXX and XXXX have disputed on my behalf. XXXX XXXX mortgage disputed my loan so that Experian and XXXX would update it to a " In good standing and up-to-date account. My student loans held by XXXX and XXXX XXXX have XXXX balances and have been dismissed due to my XXXX XXXX. Also, they will not update and remove old information from my report such as what XXXX has done. XXXX is working on my report but Experian and XXXX refuse to update my credit and give me an accurate credit score. In fact I am unable to get a credit score from Experian. Please help me with this issue.
I looked online and received a payoff quote for my home. I then sent the check in on XX/XX/XXXXwith a date marked for payoff onXX/XX/XXXX giving time for a few days of transit. I waited untilXX/XX/XXXX before trying to contact them to ask why my house had not shown a payment or a drawdown from my account. I also tried to contact them through online connection. I received no notice until i finally called the company and was told my payment was sent to the wrong location, though i sent it to the location on the bill, the one I normally send payments too. I was told I sent it to the wrong address and nothing could be done. At no point during any interaction, including during looking up my payoff quote was i told to send this payment to a different location than any other payment that i ha ever made. Now I owe more money as interest has accrued daily and im being told i have to cancel the check and then rewrite one and send it out again. I have to pay the difference in interest that accrues during the time period. This has also caused me to miss a payment and i was told they would have never let me know about the check being sent to the wrong location nor would they do anything with the check. In this whole process, i was treated as if i was in the wrong because i did not know to send a payoff check to a different location than the place i normally send checks. I do not see how they can not accept the funds I sent in at a normal pace of payment and is my opinion that even if it was not processed a complaint payoff the company should have processed my payment against what i owed and then contacted me about what needed to be done to complete the process. The check in question was for XXXX XXXX When speaking with XXXX XXXX at Chase on the phone i was repeatedly told it was my fault and i sent to the wrong address despite telling her there was no other address listed online or my statement. I have copies of the statement as well as the online payoff quote to prove this.
Please be advised that I have received your response which you have received from Equifax, regarding your case/file # XXXX. In your response from Equifax, they stated that they are still working on the issues in question, in which case, also please be advised that my dispute with Equifax was originally filed in the beginning of XX/XX/2018 Since that time, they have removed the fraudulent charges from my account twice, and corrected my credit score, and twice reapplied those same charges, and dropped my credit score again. If that weren't enough, they also reapplied charges to yet another credit card, which had been payed in full, and had previously been removed from their page. I don't know what the problem is there, but this has been ongoing for more than sixty days, and every time that I contact them, they always tell me to file yet another dispute. Also, please be advised that Equifax has not indicated that there is any form of ( current ) investigation in progress.
I had an open credit line of {$8700.00} with a XXXX balance. It was closed by the company. When I inquired about the closed account, they stated they could not reopen due to the risk associated with the account. I advised them that the disclosure I received did not state that they could close the account due to inactivity. ( That was the initial reason I was given, then it went to a risk situation after I made a formal complaint ). I was going to use this for my home improvements when I moved into our new home on XX/XX/2019. I am requesting to have the account reopened without a credit check as I have never been late on this account and paid my balance in full.
Transunion is reporting Inquires that are unauthorize I did not give anybody permisson to run my credit I disputed with XXXX and they deleted them all
TRANSUNION HARD REMOVED XXXX ACCOUNT FROM MY CREDIT REPORT WHEN I DISPUTE THEM AND WHEN AND TURNED BACK AROUND AND PUT THEM BACK ON
I consolidated my private loans ( some from under-grad, some from graduate school ) in XX/XX/XXXXas the payments from each institution ( XXXX XXXX and XXXX XXXX ) were too high for me to pay. I consolidated with a reputable local credit union. After a few months my loan was transferred to XXXX. At this time I was paying interest and principal, about {$260.00} a month on a {$58000.00} loan. I was seeing the principal decrease, as I was accurately paying on time when I could and memorizing the balance every month. In XX/XX/XXXX my loan was then transferred to LendKey, at the time I still owed about {$38000.00}. Lendkey then upped my payments to about {$1000.00} or more a month. They would no work with my on lowering my payment, and would only offer me forbearance after forbearance which at the time was my only option as I couldn't afford the payment. I naively stopped checking my balance accurately as they only accept checks and payments over the phone. The process to pay online is absolutely ridiculous and extremely difficult to understand, they also charge you a percentage on your payment. My co-signer noticed that the loan was showing up well over {$60000.00} unpaid on her credit report, which is completely inaccurate as I have been paying now for over 5 years. When I called LendKey to discuss, they said they couldn't answer the question and I had to email them. I emailed them and got no response. Now they are claiming I am passed due and my amount still owed is almost 10,000 more than what I originally consolidated for. I tried to contact my original lenders ( XXXX XXXX, XXXX XXXX   and XXXX ) to check my initial loans, but I was not successful. I am hoping you can help me with this issue. I feel like companies like Lendkey pray on young adults just starting out as they know that they can get away with it. Any resolution would be appreciated.
I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation. I need to get this handled because I have goals in the future for my credit. attached is the letter XXXX XXXX sent me along with the check image thanks XXXX
On XX/XX/XXXX, I went to the grocery store and my debit card was declined. I checked my account online and discovered {$1100.00} was withdrawn from my account. I contacted PNC Bank customer service on XX/XX/XXXX and was advised that it looks like the bank teller located in a different state, Pennsylvania, I am in XXXX, entered in the wrong account number when doing a withdrawal for a different account holder and the money came out of my account instead of the other person. I was advised that the department that handles this is currently closed since it was the weekend and to call back on Monday morning at XXXX. On Monday, XX/XX/XXXX, XX/XX/XXXX, I called back on Monday and had to explain to the next agent what was going on with my file and then I was advised that since the funds were still pending, I would have to call back on Tuesday to actually dispute the withdrawal. I called back on Tuesday, XX/XX/XXXX, XX/XX/XXXX and after I explained AGAIN what happened on my file, I was advised only a supervisor could issue the immediate credit and was placed on hold to speak to a supervisor. The supervisor gets on the line and advises me that there was no notes on my file so I needed to explain what happened AGAIN. After I explained, the supervisor advises me she just needed to contact the branch to get the information to reverse the withdrawal. After placing me on hold for 10 minutes, the supervisor advises me that she cant reverse the withdrawal and that now I have to wait until it is investigated for it to be reversed. The supervisor advised me that she didnt know how long the investigation would take so I basically have to wait with my account overdrawn, overdraft fees and no access to my funds.
About 4 yrs ago i was a victim of identity theft my credit was being pulled and account were made that was not me their also alot of inquiry that i did n't authorize from XX/XX/XXXX till XX/XX/XXXX like car loans credit cards and other agencies
Went to  XXXX  ATMs to make a cash deposit but it says it was unavailable. Made a transfer online as a last resort yest, yet got hit with a {$35.00} overdraft. This is definitely a sca m, Wells Fargo  finds a way to charge {$35.00} even when deposit is made the same day but they change the date to make it post next day.  Wells Fargo  does n't give you advance notice so you can cover your account before you get hit with the {$35.00}. They do whatever it takes to overwidraw your account including removing pending transactions and posting them once your account is under the pending amount without a notice to cover it that day. I posted examples on social media and I will post some more very soon
I recently purchased a house and my mortgage was serviced to XXXX XXXX from the originator, Bay Equity. My first months mortgage was due to XXXX XXXX but I had auto draft still activated at XXXX XXXX. XXXX XXXX withdrew the mortgage payment from my bank account and applied payment. XXXX XXXX is saying that they I should have paid them XX/XX/XXXX mortgage and it is now considered past due. Pretty much, both company 's believed I owed them my XX/XX/XXXX mortgage payment.
On XXXX/XXXX/2016 I called my loan servicer ( SLS ) to advise them that I would be sending a {$5000.00} payment to be applied towards principal as my regular payment of {$2300.00} would be paid via ACH from my checking account on XXXX/XXXX/2016. I sent the principal payment on XXXX/XXXX/2016 via XXXX XXXX XXXX, which was received by SLS on XXXX/XXXX/2016. I logged in to their website on XXXX/XXXX/2016 and noticed that the {$5000.00} was not applied to principal but rather posted towards future interest payments. I called on XXXX/XXXX/2016 to have this fixed. I was told it would take one day to fix. On XXXX/XXXX/2016 I noticed that this was still not fixed and I called again. I spoke to an agent and asked to speak to Executive complaints. I was transferred to XXXX. He reviewed all the information and claimed that this would be fixed by Monday XXXX/XXXX/16. I checked again this morning, and this still has not been fixed. I called again and was immediately transferred to XXXX in Executive services and he informs me that this would be fixed by XXXX/XXXX/2016. I mentioned to XXXX that this is fraudulent for SLS to post my {$5000.00} to future interest as I called prior to sending the funds an advised them to post this as a principal paydown. I also feel this is fraudulent as any responsible bank would apply these funds to the regular payment and the excess to principal which SLS also did not do. Upon researching SLS, they seem to have an extensive history of misapplying funds and also not having adequate follow-up on issues. I wish for CFPB to investigate this matter and to also look into SLS accounting methods as they are not in the consumer 's best interest. I work XXXX and as such I am very familiar with lending and resolution practices. It is clear to me that SLS is not a mortgage servicer that is compliant with running an ethical business.
To Whom It May Concern : The creditor XXXX, did not present a contract ( VERIFICATION OF DEBT ) as requested inXX/XX/XXXX. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all XXXX credit bureaus.XX/XX/XXXX, failed to provide the required verification of debt within 15 days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this debt.
I never finished the program and never received a refund. I am on an income based repayment plan and it still showing on my credit.