WillisBack/dataset-financial-user-claim huggingface dataset:
I have multiple credit inquiries on my account that were not authorized nor did the reporting companies have my consent to run my credit. I even have a few companies that reportedly pulled my credit report multiple times within a time span of 3-7 days. In XX/XX/XXXX I was searching for a new vehicle and I because I knew how dealerships worked, I specifically told the salesman at XXXX XXXX to only run my credit ONCE with the one lender that would give me the best rate based off my income and the range of the credit score I provided. My car is financed through XXXX XXXXXXXX XXXX. Once I was able to receive a copy of my report I immediately saw they did exactly the opposite and ran my credit report through multiple companies, WITHOUT MY CONSENT. Around that same time I did also call XXXX to inquire about vehicles and the process and that company also ran my credit, reporting in multiple inquiries, without my consent. I contacted the credit bureaus to have them delete the inaccurate information and they told me to contact the companies that reported the inquiry. When I contacted the different companies they told to contact the credit bureaus to have the information removed. I once again called all three credit reporting bureaus but this time was told that inquiry are a " factual request of my credit information '' and therefore could not be deleted, whether I gave my consent or not. I also told them that in between the years of XXXXXX/XX/XXXXmajority of my inquires had indeed fell off due to a system error and breech but were illegally placed back on my report. I told the companies that by law they had 5 business days to notify me of such activity and they apologized for the system error but still refused to delete the inaccurate information.
PayPal - I sold 2 gift cards on XXXX XXXX on XXXX. I received payment for both gift cards within minutes of the sale. I provided the gift card account numbers and access pinns within a half hour of receiving the payment. There were successful transactions, and I have not received negative feedback. I did request feedback from the purchasers, but as feedback is optional, it has not been left. 

To date, PayPal has not released the funds I received from these sales - 10 days after the sales took place. I have contacted PayPal about releasing the funds and they refuse. 

Transaction # 's : XXXX XXXX PayPal has sent me canned responses regarding their hold times policies. I understand these policies, I 'm a long time PayPal user. However, holding my money for this long is excessive, and I want my funds released for use immediately.
I am an  XXXX   XXXX   XXXX   XXXX  senior citizen who is a surviving spouse of a  USA Veteran. Sho rtly after my husband passed away, I applied for a new mortgage on  XXXX   XXXX ,  XXXX , with  XXXX   XXXX   XXXX e  XXXX   XXXX   XXXX  At that time I did n't know that it was an " Interest Only Period Fixed Rate Note Loan #  XXXX . Shortly after that the loan was sold to  XXXX  and then to The   XXXX   XXXX   XXXX   XXXX ,  Loan #   XXXX . My niece "  XXXX   XXXX  who is my Attorney-in-Fact has been assiduously working on this Loan Modification since  XXXX   XXXX ,  XXXX  A counselor   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   of the  XXXX   XXXX  on  XXXX  informed us that it was a " Predatory Lending Mortgage ''. At our first foreclosure settlement conference on  XXXX   XXXX ,  XXXX , a court appointe d Lawyer ,  XXXX   XXXX  informed us once again, that is was a Predatory Note. At the Foreclos ure Prevention   Unit at t he  XXXX   XXXX  Court House,  XXXX   XXXX , an Attorney Fellow stated in in his email to us dated  XXXX , that he could now say that this Predatory Loan was not supposed to raise her monthly payment amount that increased it by over {$500.00} - a 25 % increase! We are not sure, but we think that these lenders  violated the Truth & Lending Act/TIILA and we may have grounds to file a Civil  Lawsuit. The most recent  Loan Servicing Company  that denied the last  Loan Modification was, Bayview Loan Sevicing, LLC. ( See Attached l etter dated  XXXX   XXXX ,  XXXX  ).
I applied for a mortgage with Quicken Loans on XX/XX/2018. 
They sent me the initial disclosures, a day outside of the mandatory 3 day window. They had changed the loan amount from XXXX to around XXXX as well as the interest rate, of course it went from XXXX to XXXX. 
I've been asking for weeks to have it changed back or for them to explain themselves without any answers. Instead they send me emails, call me and try to pressure me into proceeding without ever addressing the concerns. Then today, almost 3 months later I get an email and the loan officer (  2nd loan officer after I requested a change ) told me that once I'm approved for a loan he can talk rates and fees. Are you serious? You want me to submit all of my documents, pay for an appraisal and then once you've approved my loan, you'll tell me how much its going to cost me? This is the definition of unethical, and clearly in violation of TILA.
I 've contacted Nationstar Mortgage on a number of occassions regarding my escrow account. Specifically, I am concerned that I am being charged mortgage insurance due to Nationstar 's negligence. The negligence is based on the appraisal that they ordered at the time I re-financed my mortgage. I understand that they contract an appraiser that is independent from the underwriting process, however, they should have qualified individuals on staff to determine if the appraisal they are considering is appropriate. First, Nationstar has a lien on XXXX separate properties with separte property index numbers. The appraiser combined XXXX properties and valued it as XXXX. By combining XXXX properties, the comps used to determine a value were not similar to my property. An additional issue was that they used foreclosed properties as comps. This type of property was not an indication of market value but distressed value. I 've researched this issue and it is in contravention to prudent appraisal guidelines. 
What is especially troubling is that the customer service departments ( general customer service, escrow department, etc. ) are not helpful and do not have the knowledge to handle my inquiry. After an over-extended period of holding, being transferred from department to another, and not knowing what " mortgage '' insurance is -- I somehow get disconnected. Regarding mortgage insurance, they continue to think that I am referring to property insurance. 
I understand that mortgage insurance is required on loans with an LTV higher than XXXX %. At the time I purchased my property this was, in fact, the case. However, the values are not being properly reflected. I have asked for another appraisal - one that values each property seperately and uses like-kind properties as an approriate comp. 
In my last contact with Nationstar, they informed me that I would be contacted by some representative from the appraisal department. I asked if this individual was an employee of Nationstar or an independent appraiser -- they were unable to discern the difference.
Im am in the process of disputing items that i believe to be incorrect on my credit bureau. Ive attempted to place a security freeze on my account with Sagestream and they continue to state they cant verify due to not being able to read the fax after three times. I then sent a certified letter to them to ensure that the information was clear and that they received it. I have left multiple voice messages with the company and havent gotten a return phone call. This is interfering with me taking care of serious issues in regards to my account
XX/XX/2009 the schoo is closed down and charge all this money and never got anything out of it. {$3000.00} they are saying i owe grate lakes but the school closed Call Us Call : ( XXXX ) XXXX
In XX/XX/2018 Discover Bank sent me a 1099-C, Cancellation of Debt for the amount of {$3600.00} - the outstanding past due balance on a Discover Card in my name. SInce XXXX effectively canceled the debt by issuing the 1099-c, they can not report a balance or past due amount on my credit report. I disputed this through XXXX, which Discover verified the balance and past due amount, there by violating the FCRA as since the issuance of a 1099-c cancels the debt, I do not own them any amount nor is any amount past due. 

This is willfully false reporting and I demand the trade line be deleted from my report. DIscover is engaging in a clear violation of the FCRA and willfully reporting false information damaging my credit.
I 'm former student of XXXX college XXXX XXXX CA XXXX. After this campus closer they have handover lender to collect XXXX loans to one lending company XXXX amount of {$3300.00}. And I have start to paying my outstanding amount with them in monthly basis. And in the meantime another lending company Deville Asset management reached to to my credit reports and they do the collection in my XXXX credits. 
I spoke to them and they promise to remove my collection from my credit reports. But nothing happened yet. I have reported to XXXX and still under investigation. I need to take out my collection from my credit report and increase my credits score.
Creditor Information MONTEREY COLL SVC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
I receive phone calls from Dynamic recovery solutions LLC daily on both my home phone and my cell phone. When I have answered the phone and interacted with them they have told me they are a debt collection agency attempting to collect a debt. I track my credit report closely and monitor it due to being in the military and having a clearance. Every time I have talked to them they have tried to tell me they are attempting to collect a debt for a credit card that I never had for an exuberant amount. Most recently they told me that I owed XXXX dollars on a XXXX XXXX XXXX credit card that was opened in XX/XX/XXXX. The earliest XXXX XXXX XXXX card I ever opened was in XX/XX/XXXX and I just closed the card last month paid on time and satisfactory. Dynamic Recovery Solutions refuses to remove me from their phone list and when I tell them they are violating Federal Collection laws, they hang up on me. The phone number I have recently been receiving the calls from is a California area code, even though their company address shows in North Carolina. XXXX
To whom it may concern, XXXX XXXX XXXX asserts that I owe a debt to XXXX XXXX when I never held an account with this XXXX XXXX. They further assert that I owe {$2500.00}. I kindly asked them to stop harrassing me and to follow federal rules in this regard. They continue to ignore the rules. 

Prior to XXXX XXXX Solutions, the alleged debt was being claimed by Pinnacle Credit Services. I disputed the matter with all XXXX credit reporting bureaus. However, rather than being taken off my credit reports as an erroneous matter, the issue was either sold or transferred to XXXX 

They list their mailing address as : XXXX. XXXX XXXX, XXXX, SC XXXX. 

This erroneous claim is damaging and unfair to this consumer. I kindly request CFPB help resolve the matter, as the claim is false.
I have reached out to Experian several times, but with no success in them correcting my full credit report. Due to the fact that I was a victim of identity theft, I decided to have all credit bureaus to show my legal first and last name, and my current residence address only. Experian was sent on XX/XX/2018 a notarized copy of my utility bill, drivers license, and my social security card which shows XXXX XXXX and my address XXXX XXXX XXXX XXXX. When receiving my updated credit report Experian did as they wished not as I requested of them- under my legal right. You will find a copy of my police report where I reported identity theft, you will also find 2 copies of certified letters. 

The first certified letter requested the above, the second certified letter included the removal Again of all unnecessary names, addresses, date of birth, phone numbers which majority are incorrect anyway. Now they show a spouse or co-applicant on my report which is my daughters current name XXXX and my deceased mother which neither is a co-applicant to anything I own. I did inform Experian on my first request to update their records that if it was not done in a timely manner I would move forward to report them not only to your establishment, but also to the Attorney General as well as the Better Business Bureau. I am not able to download my documentation but I am more than willing to have this information mailed to your establishment. 

Your help in this matter would certainly be appreciated. 

Thank you in advance, XXXX XXXX.
Sold a XXXX XXXX gift card ( {$380.00} balance ) on eBay on XXXX/XXXX/XXXX. Buyer paid through online payment service PayPal XXXX. 

A few days later the buyer claims that purchase was " unauthorized '' even though the gift card was used ( balance now ZERO ). Buyer filed claim with eBay and case was closed in my favor less than 1 day after I submitted proper documents to reflect that the gift card was indeed used. Initially PayPal had the hold on my account for the transaction amount but released the funds once eBay closed the buyer 's dispute case. 

Nearly three months ( XXXX/XXXX/XXXX ) later the buyer decided to open a dispute with PayPal claiming the same " unauthorized '' purchase nonsense. Basically the buyer is stating that BOTH his eBay account and his PayPal account were hacked at the same time on the same day for the same transaction. 

I submitted the exact same proof/documents to PayPal as I had to eBay 3 months earlier with proof showing that the buyer received the gift card and evidence ( copy of XXXX XXXX purchase receipt showing when and where the gift card was used in store ). Without any valid reason, PayPal decided to side with the buyer and his financial institute, for no justified reason other than not wanting to go against the banks which PayPal would not exist without. 

PayPal is notorious for siding with the buyer in almost every single case of this nature. Basically I was out of the gift card ( already been used ) and the buyer was returned his money. This is completely unjust and unfair and I have filed complaints with the BBB and the Nebraska Attorney General ( where PayPal operates business from ).
I was not given any paperwork from this Company to pay the debt. It was just added to my credit report.
To whom it may concern, I am XXXX XXXX and typing this on behalf of the deception and immorality of Navient. I was the first to go to college and they mislead me into taking a loan out that could not be consolidated in the federal loan forgiveness program intentionally. I have over one hundred thousand dollars in debt and it is unfair and disgraceful that I was misguided and still being penalized for their manipulation. This company has already been sued in multiple other states and I would like my loans also forgiven or at least consolidated with the rest of my loans. It is absurd that going to college has turned into a debt collecting punishment. 

Sincerely, XXXX XXXX XXXX XXXX
My information was stolen as part of the Equifax hack that affected 143 million people, and wo n't provide credit monitoring without me signing an arbitration agreement.
Caliber Home Loans took over the servicing of XXXX called XXXX XXXX, XXXX, from XXXX XXXX XXXX. XXXX XXXX, XXXX filed for bankruptcy on XX/XX/XXXX, got out of it and case was closed on XXXX. Caliber refuse adamantly to send 'Payment History ' refuse to send 'Escrow accounting ' but request that XXXX send about {$6000.00} without any justification.
Keep contacting me about a debt that is not mine and belongs to my adult son who does not live with me and is not a dependent.
Leased a new bed and a scratch n dent stove from XXXX " Lease to own/My Not Lease It '' I have paid well over twice the purchase price of the items.

They don't tell you that after 3 months that they automatically take your purchases out of lease to own and basically you start rented the items. No one tells you about this. So, you believe that one day that the payments will end and you will own the items. That's what they told me in the store! That this is a lease to own. Make the payments and at the end of a period of time you own the merchandise.

This is total FRAUD!
i spoke with somebody to close the account it wasnt.Then called on XX/XX/2018 adn spoke with XXXX and she was rude.i ask why am i receiving a late fee she said becuase we didnt receive your money till the 9th. It is not fault you guys received it late. I ask for a super visor 3 time she come back saying there is none available. customer services was never right made me feel unwanted.Never again will i use them
On XX/XX/XXXX.I received a letter from Chase informing me that my safe deposit box was closed.I had NOT closed that box.When I called the next day, I was told that the box had been drilled on XX/XX/XXXX.The explanation I received was that the auditors were trying to update info on the secondary signer of the box.I was never contacted re : this issue.I did ask why, as the primary signer, I was not contacted, I got no satisfactory explanation.I was never contacted to remove the contents of the box.When I did ask about the disposition of the contents, I was asked if I wanted the contents.That seemed like an odd question to me.I would think I should've been notified of this entire situation.I did receive the contents, on XX/XX/XXXX.All contents were accounted for.I still want to know how my safe deposit box could've been drilled without notice to me, and since the box was drilled on XX/XX/XXXX, why the check for renewal of the box was accepted by Chase.I did receive reimbursement for the rental with the original I am not looking for anything but a reasonable answer to this situation
They call twice a day, everyday. I have told them I am a full-time student and unemployed. They claim to notate it on my account and say to call them if anything changes.
Two months late on a payment and was notified by mortgage company that we were eligible for refinance, re-modification and/or forbearance. After submitting the documentation was submitted within 2 weeks, we have received on numerous occasions that our packet was incomplete. After complying to their request, upon being told, it was lost or misplaced, and submitting it again, a final response to re-modification was provided. Please note, however, that this took 4 months of resubmitting it, and only to discover there was XXXX block on the XXXX form that was not checked. The representative we were working with from the mortgage company, realized the mistake, called us to fix it and return it. Again, I did that within the hour. This was taking place while I was communicating with XXXX regarding this situation. Being a member with XXXX, they have an advocate to help assist with with any problems that may arise. We did so. Apparently, it was n't until XXXX made phone calls that this representative finally processed the paperwork. The answer we received was that i was n't approved. The answer was that our mortgage was past due more than 60 days. I had made XXXX payments, XXXX and XXXX, only to have it returned to me. Apparently, I did n't make the right payment amount. Due to their negligence in processing the documentation in a timely manner and 'acting in good faith ', which caused a delay in processing the documentation, the home is now in a foreclosure status with a law firm. I do n't understand how, when I made payments only to have it returned, notification of refinance/re-modification approval, submitting documentation numerous times, and now not approved, we get stuck with paying the large amount of payment and lawyer fees, all to be paid within 5 days. 

PHH mortgage has been improperly handling, misleading, and in an untimely handled our case. 

XXXX, is NOT a PRO military corporation. I know that, because my husband is currently in the XXXX and has been with XXXX for 28 years. Financing our home with XXXX only to find out that they had sold it to PHH. 

XXXX has communicated to us, that at this point, they can no longer assist us.
I call transunion try to resolve an issue with my credit report and credit inquiry 's that I do not knowledge. The customer service was horrible I was getting cut off all the time when I wanted to ask or talk to the representive I after verifying my identity he instantly responded that he ca n't remove any inquiry 's or the collection on my report that I have not authorized. In addition the customer service did not want to help remove the inquiry 's and collection account
I received communication from a company called XXXX XXXX ( XXXX ) account # XXXX in XX/XX/XXXX, asking me to make a payment settlement to account I have no knowledge of, however it claims it was an inherited debt. In XX/XX/XXXX, I phoned XXXX inquiring about the debt. I was placed on hold, after informing the representative on the phone I was recording this conversation, and he never returned. In XX/XX/XXXX I sent XXXX a certified letter ( XXXX XXXX XXXX XXXX XXXX ) requesting they validate the debt, and if this is in fact a verified debt of mine, I would pay it. I did not receive a response to their letter. Upon no response, I disputed this account with the credit agencies ( all XXXX ) only to be informed the account is validated, and therefore there is no change on my credit report. Months have passed with me disputing through the credit agencies, and I have once again sent XXXX another letter, this time certified return receipt ( XXXX XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX XXXX XXXX ). I have since received the receipt back, however XXXX still has not validated this account, and refuses to remove this account from my credit report.
I began a refinance process of my current mortgage back in XXXX of 2016 at that time the current rates were XXXX percent on a 30 yr fixed rate VA loan. There was a previous problem with the posting of my payments which I did not find out until I started my refinance process. I am now completeing my refinance and the current interest rates are XXXX. I believe that since the mortgage company has caused me to delay my mortgage process because of their mistake which took them over 8 months to correct it has cost me in my refinance. I would like for Setarus to pay the current mortgage company the difference to buy down my current rate to XXXX from XXXX. Or they can pay me the difference in the total payments for the next 30 years.
Experian send back results as if I was only questioning the dispute process, when in reality I send A dispute letter asking Experian company to verify negative unverifiable information from my report.
I was not contacted by XXXX XXXX XXXX (would have disputed claim) prior to NCS collection call to me XX/XX/XXXX about alleged police incident.I have obtained a copy of XXXX incident report that XXXX XXXX is using to claim liability against me.The police report notes police are unable to prove their allegations and their client ("victim") is unable to identify accused. No charges have been filed against me for this XX/XX/XXXX alleged incident.Additionally, my SSN, not provided by me, was published by police (their attorney has admitted they shouldn't have released my SSN).