WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America used an appraiser in NC that grossly inflated raw land appraisals in early XX/XX/XXXX. Her name is XXXX XXXX XXXX, and she was forced to surrender her license 2 years later to avoid justice. My lot XXXX XXXX was appraised at {$340000.00}, with 3 other lots nearby appraised at {$340000.00} to {$370000.00}. My purchase price was very enticing at {$120000.00}. Today, it is worth XXXX because a house ca n't be built in it due to a infraction on the front which reduced the size from 80 ' to 26 ', verified by XXXX XXXX. tax assessor XXXX XXXX, which then lowered my tax assessed value by 50 %. BOA used this tactic to garner my mortgage of 7.5 % interest only first 5 years, then payments currently at $ XXXX/month, {$320.00} interest /month. XXXX XXXX XXXX was fined by the NC AG for XXXX XXXX dollars in XX/XX/XXXX for deceptive marketing. BOA so far has escaped but certainly were involved by grossly deceptive Land Appraisal Reports. BOA has been contacted numerous times but refuses to acknowledge. I need help from the US Govt/FTC.
I 'm the first in my family to go to college on student loans. My other siblings went to community college and had financial aid that helped them out. My career path was different and I studied out of state. Since no one was able to guide me through student loans, I ended up taking out my first XXXX years of student loans from XXXX that were then moved to navient. When I graduated I went through a situation that caused me to move. I was kicked out, had no savings, was only a month into my new job. I called over and over again asking navient for repayment options and every time I was told I was not eligible for any other options other than forbearance. I took the option when it finally came down to paying back my loans because I could not make the payments of XXXX a month when my rent was XXXX. During my forbearance period I kept calling asking for options, tried refinancing, and no one would do anything just kept pushing forbearance. Come towards the end of the period finally they lowered my payments to XXXX, as a " interest payments only '' option. However my account would n't reflect this payment option and I 'm getting piled on with late fees. On top of that I keep getting charged twice a month instead of once a month making my payments XXXX. I keep fighting the second charges, and then they finally gave me my money back. However they decided to refund ALL my payments, and because of this they said I made no payments during my repayment option trial and that I would be in danger of getting taken off the program. Since these payments, my loans went from XXXX to XXXX. I tried to refinance with other services, which led no where because I never got the chance to build credit, I need a co-signer, but my only co-signer was my mother who is now on XXXX. Navient will soon take me off my repayment option because of a mess up on my account on their end. On top of it it 's not one big loan its about XXXX loans with 10 % interest rate on each.
I have taken out a loan with Citizens One through XXXX financing a new XXXX. They sent me my loan number to setup my account online and when I try to do this and enter a username and password the website does not respond and I can not access anything at all. This has been over a week and I have called twice and they said they are submitting a work order. I am unable to access any information, dont know when my next due date is or how much I am being billed or if I will receive any correspondence about my upcoming payments. Pretty much left in the dark.
XXXX , as you have stated, yes nelnet has indeed sent some information. it is incomplete and inaccurate.     the information is NOT in chronological order as i have requested.     the information does NOT contain a complete breakdown AND explanation of fees charged, etc.     do you really think i would continue to ask for something i have received?     i completely disagree with the balance your company is reporting that i owe.     please provide proof. thank you.
On XX/XX/XXXX I disputed my credit report which contained information being reported by XXXX XXXX. 

I mailed a certified dispute letter to XXXX XXXX requesting validation of the account being reported by Transunion, XXXX, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

XXXX XXXX has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.
I have an auto payment setup on my Barclays credit card from a XXXX checking account. In XXXX, I got large amount of fraud transactions on the checking account and those transactions continue for a week. XXXX bankers and I discussed about the issue and we have to freeze the account and investigate all the transactions. I filled reports to the police office and all the recommended agencies ( CFPB complaint # XXXX, XXXX Police Department case # XXXX ). During that time, an auto payment was made to my Barclays credit card from the frozen XXXX account. I made payment in time after the issue was fixed. However, I was still charged XXXX dollars on the next statement as returned payment fee. I called customer service and explained the situation. But they still insisted on charging the returned payment fee. There shouldnt be a fee charged to a customer when the returned payment happened because the customer was trying to fight fraud and protect his/her personal property.
On  XXXX   XXXX   XXXX  i  sent a debt validation letter to santander consumer and they have not responded to my letter that they signed and received on  XXXX   XXXX    XXXX   i ask that the remove this debt from reporting on all  XXXX  crefit bureaus or send me validation which are my consumer rights.
Transunion has the following unauthorized inquiries and I wish to have them deleted. XXXX XXXX XXXX  - XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX- XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX. XXXX- XX/XX/XXXX.
The company i am speaking on today is Equifax. Below is a list of credit inquires that I have no clue about, i have reached out to customer service and they were no help at all. I have no idea how else to go about this issue. One of the other credit companies had an issue where inquires were gone then they came back. Not sure if this was the same issue or not. Below are the inquires.

Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX   Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXX   XXXX Date of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX
I got a call from a company called Asset Recovery Associates or  ARA c laiming that in  XXXX  i opened a credit card with a company called Express and i stooped paying them in  XXXX , the original amount was {$5000.00} with interest and fess its {$15000.00}, but they are willing to take to original amount of {$5000.00}, i told them to give me 24 hours to make sure i owe the money or come up with the money, the response was  u need to pay  us {$1500.00} over the phone today or we will put a lean on your house, i asked for explanation, i Called The FBI and they recommended to file a scam report with you.
Discover Financial Services ( Personal Loan ) ran XXXX inquiries on my credit report so far in 2015. On an account that has never been late and is in perfect standing. I believe this accounting practice is designed to stop me from securing any further credit so I can pay off there loan. The nefarious accounting practice must stop. I believe an audit of Discover Personal loans will show this is a wide spread accounting practice. Please Help
Specialized Loan Servicing : loan number XXXX. The above named company has assumed my loan since XX/XX/XXXX. They sent me a mortgage bill for {$5800.00} when my previous mortgage was {$1300.00}. However, I was paying {$1500.00} before to XXXX XXXX before my loan got sold to them. When I attempted to make a payment after speaking with them, they would not accept it unless I was going to pay {$5800.00}. I made several attempts to do so and the same response again. When asked about the reason for the increase, I am told it is my escrow shortage. My escrow was always included in my mortgage since I bought my home in XX/XX/XXXX. I have not seen any drastic increase in my home owners insurance or my property tax that would suddenly cause such an increase in my mortgage. In fact I have been receiving tax credits for my property tax since XX/XX/XXXX. There has been a {$770.00} increase in my insurance for just {$2000.00}, but that would certainly not cause such a shortage. I have tried to get answers and no one follows up and give me the information which I am seeking. I do receive letters from their office about delinquency starting from XX/XX/XXXX to present. On XX/XX/XXXX I paid online {$3200.00} to cover the cost of XXXX  and XXXX  mortgage. Then on XX/XX/XXXX I mailed in a check for {$2900.00} to go towards my escrow account, because that was the amount I got back from my county for the tax credit. On Friday I received a letter from Specialized Loan Servicing ( SLS ) showing that I have an escrow shortage of {$14000.00}. My new mortgage payment will be {$2900.00}. No one has shown me who they paid that escrow to and when and how did that come about. I am on a XXXX  income of {$2000.00} from which I pay other bills. There is absolutely no way I will be able to afford that and no way do I want to lose my house that I have invested so much in. I am now XXXX  years old and sick. I need investigation into this matter with hopefully a great resolution. I also want to start paying my own taxes and insurance to avoid future confusion. Please help me to resolve this matter.
The account was opened without my consent. I want it removed immediately form my credit report. They are showing  XXXX  different reports to the credit bureaus.      XXXX   XXXX   XXXX   XXXX    Account Number  XXXX  Account Type Credit Card Terms Revolving Date Open ed  XX/XX/XXXX  Account Status Open Payment Status Paid Payment Status Details Current, was past due  30 da ys two times Status Updated  XX/XX/XXXX  Bala nce {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address  XXXX   XXXX   XXXX ,  XXXX , DE  XXXX   XXXX   XXXX   XXXX   XXXX  - Company Sold-to - Original Amount - Comments -
In XX/XX/2018 Hurricane Irma hit Florida and Lenders offered the Natural Disaster Relief program where three months of car payments were deferred to the end of the loan. When I called Ally to inquire about this program in XX/XX/XXXX the representative stated that I did qualify and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments did not need to be made as they would be moved to the end of the car loan and that my {$430.00} payments would resume in XX/XX/XXXX. Following this conversation and a couple weeks later I began getting phone calls stating I was late with car payments all the while this arrangement was documented. Then my credit score is negatively affected because it shows I am delinquent those 3 months which obviously was an arrangement through the National Disaster Relief Program. I have contacted ALLY multiple times since mid XX/XX/XXXX to clear these issues and it has not been taken care of.
I asked for verification of the information that XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2014. However I have yet to receive a copy of an Agreement that I signed.
I 've been paying my car loan for at least the last 4 years. With a maturity date of XXXX/XXXX/2018, I calculated that on my current monthly payments, I would still owe over {$1600.00} on the loan. After contacting the bank, the explanation given was n't clear, making me think there would be a " balloon payment '' at maturity. If so, it was n't explained to me when the loan was issued. Even though I 've requested 2 extensions during the life of the loan, I do n't think the fees + interest would come close to {$1600.00}.
XXXX XX/XX/2018 i send money through XXXX XXXX XXXX dollar but I put wrong account number but it shows complete it suppose to refund I called the customer care they tell that contect with receiver bank I already contact they saying not credit in bank
First Hawaiian   XXXX  began taking {$10.00} per month from my " Totally Free Checking '' without my knowledge and consent in  XXXX    XXXX   and has done so for the past six months - I had no prior warning or knowledge nor did I give them my consent to charge my account. They called the change an " Inactive Account  Fee  '' but it shows up on-line as a service fee. In either case it was a fee for doing absolutely nothing and serves no purpose except to steal money from the accounts of those who trust the bank is protecting their money. I can leave money in my safe at home for free with no " inactivity fee '' so why would I agree to put it in a bank and be charged. I had no prior knowledge  First Hawaiian    XXXX    would act like  XXXX   XXXX  and charge money or change your account without any knowledge of the account holder. I guess they learned from  XXXX   XXXX  that stealing money from consumers is very profitable. I have asked them to return the money taken from my account without my knowledge or consent and they have refused. These thieves are just like  XXXX   XXXX  - charging fees to accounts called " totally  Free '' without authorization or the knowledge of the customers. I plan to close the account and never do any business with these thieves again. When is the US  Government going to do something about these dishonest banks?
On  XXXX   XXXX   2017  m y commonwealth financial systems r eported that owed  XXXX  and I have n't been to the hospital since I was  XXXX   years old I d o n't know why they put it on my credit it made it so low I ca n't do anything I feel like I got scammed please help me dispute this they have not connected with on any phone calls or terms
My friend and I both have coinbase accounts. He gave me the corresponding email linked to his account so I could send him some ethereum, but he had n't realized he gave me the wrong email ( he gave me XXXXXXXXXXXX address when he XXXXXXXXXXXX address ) until after I had sent the transaction. The email that the transaction was sent to was not a valid email/not in use at this time. So, my friend created the gmail account and corresponding coinbase account to retrieve the funds, but they were n't there either. My account shows the transaction as Complete, but when running a report of my transactions it does not provide a transaction id. Spent an hour & a half on hold before getting ahold of support and when I told the guy that there is no transaction id and it 's like the funds disappeared into thin air he just said " Yeah, I do see that, that is weird. '' Then he just hangs up on me! I 've sent emails to all support staff email addresses that are publicly available. I 've tried contacting them via their XXXX support, their individual employee reddit accounts, posting on their subreddit and no one is replying in order to resolve this issue. I do n't have my funds, my friend does n't have my funds. 

So, to summarize, I XXXX ETH to that XXXX account on XXXX/XXXX/XXXX XXXX AM. It shows as XXXX in my account and the funds were deducted from my ETH wallet. They have not arrived in my friend 's account or the account of the gmail address. No transaction id exists for the " XXXX '' transaction. Was told by phone support " That is in fact weird '' and hung up on. 

Previous Case # s from attempts at getting support via their email system XXXX & XXXX. 

XXXX 's solution was " Reasons your transaction might be pending can be found here. 
Known delays and further information can be found on our status page. '' Which I already knew and had explicity stated that the transaction was already displaying as COMPLETED, plus there is no sign of a transaction id. 

XXXX 's solution was " If you sent digital currency from your XXXX account to an email address by accident, your funds will be returned to you in 30 days if the funds remain unclaimed. If the email address has not already been claimed, you could do so to ensure the funds are returned to you. '' Which I already knew and had explicitly stated I wanted to get MY funds back sooner than having to wait the 30 days. Since there is no transaction id I 'm left to believe that the funds are being held by coinbase. 

As it stands right now they 've stolen this money as far as I 'm concerned ; hence, why I 've decided to make this report.
I have tried to delete fraudulent accounts from my Equifax report several times and they are not coming off. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX. XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.
Equifax is continuing to report XXXXXXXX XXXX on my credit after I provided information from XXXXXXXX XXXX and their affiliates that states they will not report to credit bureau. I spoke with XXXX XXXX and they advised they would not report to credit bureau. I asked could they send me something in writing. They did. And I sent that to Equifax and Equifax will not remove. They are stating the company is continuing to report which is not true as seen in the letter. Equifax is violating my rights under the fair credit reporting act by continuing to allow this on my credit without verifying and processing my dispute. They simply close my dispute without looking at the documents.
XXXX XXXX XXXX is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( XXXX, XXXX and TransUnion ) and the account is paid in full.
Macys XXXX statement was paid in person at the store. The payment was not credited to my account. 
Macys reported XXXX that payment was overdue which loweredmy credit score.
I am a victim of identity theft. The following accounts and credit inquiry is listed on my Experian, XXXX and XXXX XXXX credit report and is fraudulent and not mine : XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX. The accounts and credit inquiry is fraudulent, unauthorized and dont belong to me.
I applied for a second loan on my home with Discover Home Loans. During the process I was told there was a pending lawsuit against my property which Discover identified during a title search. After receiving the information, I conducted a county records search, and a title search with XXXX XXXX but my title showed it was clear of any pending liens. Discover Home Loans denied my loan based on the pending lawsuit " XXXX '' on my property, but there is no XXXX. I asked for the information used to deny my loan but was told I was n't entitled to it, although I believe I am entitled to information used to deny my loan. Discover Home Loans has refused any further communication with me. It should be noted that the pending lawsuit case number given to me by Discover Home Loan is a civil suit filed by a citizen against me and several other law enforcement managers with no tie to the incident being brought to court. County Council believes the lawsuit to be frivolous and vexatious as the managers listed in the suit where only identified due to being listed on a webpage. While the lawsuit is public record which is most likely how Discover Home Loans identified it, it is not attached to my property as a lis pendens. I have attached my correspondence with Discover Home Loan for reference, as well as the law suit filing. My goal for this complaint is to receive the documentation used to deny my home loan.
I bought a house with FHA Loan through Nationstar after President Obama lowered the Mortgage Insurance Premium as of XXXX XXXX. I have made a couple payments at {$1800.00} with the MI of {$170.00} & taxes/insurance included because its mandatory to have an escrow account with a FHA Loan. Nationstar just raised my payment to {$2000.00} and they are stating there system shows mortgage insurance is supposed to be around {$290.00} a month, and the escrow accounts short. I have several calls into them and they are saying oh well the next analysis is n't for another year. I 'm being over charged now for mortgage insurance at which I signed HUD/FHA of MI payments at {$170.00} and paid {$4700.00} up front and not {$290.00}. Why are they still stuck on the MI rate when it was lowered by the US President XXXX months ago.
Their refusal to have the accounts removed has ruined my life and especially my credit. XXXX XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.
I disputed this account which was paid in full Back on XX/XX/2018 and it is now XXXX XXXX and the account is still being submitted and never reached being Under investigation. I want this removed from my credit report being so I was responsible to get it paid in full.