WillisBack/dataset-financial-user-claim huggingface dataset:
I really need your help with the credit score because, as a result of the short sale, my credit score was reduced and I, being self-employed, am unable to obtain contracts to support my business. 
I went through a hardship, XXXX medical issues and XXXX % decrease of income within the last 5 years. I was advised by XXXX XXXX, XXXX XXXX, Client Relationship Manager, and XXXX XXXX, Assets Disposition Department NOT to make our mortgage payment in order to qualify for any retention or liquidation options. 
I was originally placed on a forbearance plan that I was still unable to afford. Essentially, the forbearance plan ( type of retention option ), was designed to lower the mortgage payment ; however, in reality the forbearance only increased the loan amount owed - accrued late payments, principal and interest added to the back end of my loan. The forbearance, in itself, made my property underwater ; therefore owing more than the market value. 
Since the forbearance was no longer an option ( again referencing my medical hardship ), I was forced to short sale my property and move where I am now renting a home that is XXXX % less square footage This is a Securitized, Stated Income ( no doc ) loan. XXXX, the originator of the loan, sold the Servicing rights to XXXX XXXX when I became delinquent on my mortgage payments. The XXXX Loan Officer also told me I would need to be delinquent on my mortgage payments to qualify for any assistance due to my hardship. 
I believe there were numerous compliance irregularities during the origination of my loan due to the lowered underwriting standards. 
Additionally, the property was originally appraised at XXXX. Due to the recession, the value was decreased to {$620000.00}. 
I caused none of this. I was advised to be late on my mortgage payments ; I was caught in the middle of a recession and also diagnosed with XXXX XXXX all in a condensed period of time.
We received a notice from XXXX XXXX in regards to my wife 's insurance score having a negative effect on our insurance rates. They use XXXX  and/or XXXX XXXX to determine credit history. ( See attached notice from the insurance company - XXXX XXXX. ) It seems as though there are 4 specific negative factors as outlined by XXXX XXXX. I would like someone to please investigate 1-3 as shown with my questions/responses below?

1. Number of Retail Accounts - I see one maybe two retail credit cards that are currently open on my wife 's XXXX report provided by XXXX XXXX. Are they saying she has too many or not enough? Two retails accounts seems totally appropriate to me. 

2. Lack of information reported on oil company accounts - Our oil company doesn't report to credit bureaus and as such we should not be penalized for this. We pay our oil as a cash price, up-front. We have never had a revolving or installment account with our oil provider. 

3. Number of inquiries with finance companies within last 24 months - The hard inquiries in XX/XX/2016 were done within the same month ( XX/XX/16 & XX/XX/16 ) and as such, those should be counted as one inquiry. In fact XXXX ( the company that XXXX uses for the XXXX ) created a webpage covering this very topic below : https : XXXX Thanks for forwarding this onto the appropriate people at XXXX XXXX , XXXX and/or XXXX XXXX.
I sell online for XXXX. During XXXX I always have a larger deposit because we specialize in toys. I have been with this bank for 4 years and the pattern is evident. This year when we got a large deposit they froze my funds and closed my debit card because of the amount of the deposit. When I called to find out what was going on, I was informed that the bank had decided to end our relationship. I had no access to any money, couldnt log onto my online account, and none of my cards worked. I am still in the waiting period for my funds to be mailed to me. I have incurred bounced check fees, online reversals of payments, delays in deposits from other sources, and just general frustration. How can banks do this to people? I literally have XXXX in the bank but cant get gas.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Mn. Is trying to say I still owe on something u filed a Bankruptcy over for XXXX. they have tried to reage the account to XX/XX/XXXX when in fact they 've had it since XX/XX/XXXX. When I filed against XXXX back then it was filed against XXXX XXXX.XXXX IL.XXXX now their trying to stick me with it reaged. The credit bureaus do n't believe me even though I 've offered proof.
I successfully submitted a complaint to cfpb on  XXXX   XXXX ,  2017 . The cfpb portal created gravely misleading reference number 2017- XXXX  by program error.
I am writing to you in regards to lost TD gifts cards and my inability to get proper customer service from the XXXX bank branch and from TD bank telephone customer service. On XXXX XXXX, XXXX, I bought {$2000.00} worth of gift cards from TD bank located in XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. Unfortunately, I lost XXXX cards ( XXXX for {$100.00} and XXXX for {$50.00} ). I immediately called TD customer service to report the lost cards. They said that they would put a " freeze on them ''. After a great deal of time and effort and many phone calls, I was told that I could go to any branch and get replacement cards or a return of my money ( {$150.00} ). When I went back to TD, the manager and another office worker said that they do n't return cards/money. In fact, they had no idea of the procedure when someone loses a gift card. They proceeded to call various numbers for information. They were put on hold for long periods of time. They asked me to come back. I returned hours later and they still did not know how/when I would be refunded. Eventually they said I would be mailed XXXX new cards. I went home and called customer service again, and they confirmed that I would receive the cards in 2 weeks. I have been calling TD customer service since XXXX and each time I call, I get a different answer as to how I will get my money back. It seems no one understands the policy involving lost TD gift cards. Yesterday ( XXXX/XXXX/XXXX ), I received a call from the manager of the XXXX bank and he asked me if I had " registered the giftcards ''? I had no idea what he was talking about. He said that, " If you had registered the giftcards, then we " could '' have given you your money back. '' However, it is not our policy to give the money back unless they are registered. I purchase these cards every holiday season for gifts. In fact, I buy {$2000.00} worth of cards each year. NEVER has anyone ever suggested that I register these cards in case of lost. I am so frustrated and disappointed in the lack of professionalism and knowledge that the manager and staff display at TD. I have invested a lot of time and effort in trying to rectify this problem, and the " run around '' treatment I have endured over the past 3 weeks is disgraceful. And to make matters worse, I have now been told that I will not be refunded for the cards.
I took out a loan from XXXX XXXX XXXX roughly two years ago in the XX/XX/XXXX. This account was created to pay for an XXXX and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XXXX of XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from XXXX notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling XXXX proactively did I learn the status of my account ( and only at this point did XXXX begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). I have spoken with XXXX collections/settlement departments in an attempt to settle this account in full ( XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an 80 % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).
American Education Services does not provide an accurate depiction of the monthly installment for minimum Payment in the Statements for when Payment Amounts change. With this being the case, I have noticed many discrepancies with what individuals from the company state in terms of these installments. This is throwing off payments being scheduled through their online system. This also leads them to think that I 'm unable to pay the Loans. They need to be transparent in how they report what is due each month and correspondence alerting borrowers of any changes should be communicated no less than 30 days from when the change goes into effect or when the new Amount change is due. 

In addition to this, they 've been sending payment requests to any and/or all co-signers even AFTER I 've made the required payments. If this is repeated, I will seek litigation for harassment, as they should be made aware that contacting other parties asking for payments to be made when I 've already done so is unethical and is very unprofessional.
I contacted XXXX XXXX they said they don't own this collection it belongs to cbe group. I don't own no collections I wa in jail. they say I owe XXXX I don't own this. Threatened will ruin my credit if I don't pay
On XXXX XXXX, 2015 I was advised to bring account current with {$8000.00}, and the Foreclosure dated XXXX/XXXX/15 would be stopped. I ordered reinstatement letter and the amount came back $ XXXX. I faxed my request for postponement and third party authorization over at the same time. It took 2 more faxes and BB & T just now ( TODAY ) receiving my formal written request to postpone/cancel foreclosure in pursuit of a workout. I am told by local agencies other options to Home Retention are available to me but NO One made this clear to Us until now. 
BB & T is saying they can not stop the sale because too close to the foreclosure date. They are not considering the fact that I was misinformed on many levels leading up to now. ( Wrong amount to reinstate given verbally by XXXX on XXXX/XXXX/15 XXXX They are not considering the fact that I have made this request almost 30 days ago but BB & T states they did not receive the fax until yesterday. I have a call and request into the Foreclosure Dept to postpone the sale this according to XXXX XXXX and XXXX.
Paid mortgage in full on XX/XX/XXXX and have not received escrow refund. Mortgage ( ditech ) company has told me I have to wait another 30 days. The mortgage company has stated that the check was processed on XX/XX/XXXX and would not discuss taking any actions until the 30 days expires.
On XX/XX/XXXX I Fax Seterus a letter requesting an explanation of the PMI. My loan was with XXXX before it got transfer to Seterus on XX/XX/XXXX. When I was with XXXX I never paid for a PMI everything was included in my escrow. Few months after my loan was transfer to Seterus they started to charge me a PMI sinceXX/XX/XXXX. I have not received any explanation yet from Seterus. How is this possible that after my loan got transfer Seterus decided to place a PMI. When I enquirer the loan with XXXX my investor XXXX XXXX did not request a PMI. Because I would of had it in writing and is not. This is also one of the main reasons I have not being able to take any trial offer, because of the PMI my payment increases more then what I was paying before I started to fall behind on my mortgage. Please help me to get a detail explanation. Thank you.
XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX/XXXX  's. The account was not opened however the application yielded a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX. An official dispute of this inquiry was sent to XXXX/XXXX 's XX/XX/XXXX via their fraud department fax number however as of this date they have failed to remove the fraudulent information from the credit report, which is a violation of the FCRA.
I continue to get collection notices ( latest XXXX XXXXXX/XX/XXXX ) from Mandarich Law group, LPP XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX and their agent XXXX XXXX. The debt is not mine! Both Mandarich and XXXX have been sent multiple cease and desist letters going back to XXXX Letters state they have the wrong person. My SSN is not XXXX, nor am I XXXX, nor have I had any association with XXXX. Cease and desist letters have failed to stop them from sending me harassment letters. See attached. The original creditor XXXX XXXX established there is no relationship between the collection and me. Also in attached. Previous case numbers include XXXX, XXXX
I obtained a purchase money first loan XX/XX/XXXX, I am the only person on the loan and my partner is on title only. XX/XX/XXXX after applying for a modification I noticed that my documents showed the loan was held XXXX. After applying for the modification I checked at the courthouse and XXXX had transferred servicing of my loan to Wells Fargo. Nether Wells Fargo or XXXX notified us of this action. XXXX held my loan for XXXX years despite not being a loan service. Federal law requires we be notified and to this date that has not taken place.
My husband and I were looking into purchasing a second home in XXXX, XXXX we were told by our mortgage broker that we were pre-approved up to {$220000.00}. 
At which point I asked for the pre approval letter and was given the run around by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Direct : ( XXXX ) XXXX Office : ( XXXX ) XXXX Email : XXXXXXXXXXXX XXXX # XXXX, she told us she would send it to our realtor XXXX XXXX once we have chosen a property - which we did. XXXX XXXX XXXX also tells me she never received the pre-approval letter from the mortgage company. 
When we first applied for the loan we understood that our debt to income was high that we needed to pay off some bills - which we gladly did. As time went on she told us we needed to pay all pending debt which she knew we could n't do because if we did so we would not be able to afford this home. Her answer to me was " well I guess you 're going to lose your earnest money ''. My Husband " XXXX XXXX '' emailed her the following day ( this last Monday ) to see why the situation had changed - she never replied. 
I soon called XXXX XXXX XXXX and tried to get a loan through them and they said we simply did not qualify. Then I tried a second lender and got the same answer. 
Had I 'd been advised from the beginning that we did not qualify for the loan, we never would have paid {$20000.00}. in debt nor would we have flown up to XXXX ( and spent more money ) to look at homes. We are in the middle of trying to sell our current home in XXXX, XXXX and these funds could have been towards this. 
It seems to me that XXXX XXXX was just trying to make a quick buck! I do not understand how I can be pre-approved and then be rejected by all other lenders. This was extremely unethical and it is because of such business practices that we are in the shape we are in!!! 

Please help! 

Sincerely, XXXX XXXX
Every month on my XXXX 2008 truck tell this Flagship company with used to be car finance.com and I was never inform of the change but this flagship company calls after my due day on the on the XXXX of each month and I always tell them when I 'm going to pay them around the end of the month when I get paid again because I am paying IRS back and I 'm never over 30 days let but I will get these calls form this company XXXX XXXX time in a week and they will call my wife XXXX to4 times and I have told them to stop the calls because I have to pay them but I would to have the call back its turning into harassment.
This credit bureau has been notified that this account is not mine and  may have  been obtained fraudulently. The companies are  XXXX   XXXX  and  XXXX .
ACH transactions from an account at PNC Bank ( {$900.00} on XX/XX/XXXX,  {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to Chase account number ending in XXXX listed on the XXXX report. 

PNC 's records do not indicate that I have ever had a relationship with PNC per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. 

I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by XXXX XXXX summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
On XXXX/XXXX/2017 I submited an order online with XXXX XXXX XXXX. I received a " Happy Birthday '' {$15.00} NO EXCLUSIONS coupon. After submitting my order for {$100.00}, I checked the confirmation email and the coupon was not reflecting. 
Called XXXX XXXX XXXX and spoke to an agent who said that there are exclusions and to read the back. I told XXXX this is misleading because there is no indication on the front of the coupon where it says NO EXCLUSIONS in capital letters. I asked him to cancel my order, he said he could n't and that when I receive it I can return it to any store. This was not acceptable to me so I asked to speak to a Supervisor. He placed me on hold for about 2 minutes and came back to say that a Supervisor was not available, they were all busy and he would put in a request so one could call me back in 48 hours. Not acceptable and not good customer service.
I had applied for loans from XXXX to be discharged. According to the borrows discharge defense XXXX has been removed but naivent isnt reflecting that. Everytime i call they say they see no record of it. Im being charged XXXX a month in interest of a ibr plan i asked for the best option due to the fact i been on XXXX for 8yrs on a fixed income
As a mortgage holder and veteran, we receive many offers to improve our mortgage. XXXX that is especially irksome is United Services Veterans Mortgage ( NLMS XXXX ). We 've received its offers before and trash them immediately. Now I want to take action. On its envelope return address it says XXXX XXXX and its literature says XXXX XXXX. The implication is endorsed by XXXX XXXX and/or the XXXX. With its name, it gives an aura of being an official organization of the U. S. Federal government. Without due diligence, a person would be duped by this implied endorsement and fall for their product whatever the final outcome. As a military veteran, I did n't fall for it but I want action taken to prevent other verterans or active duty military members, especially new homeowners or young members, from being taken in by these dubious practices.
My father obtained a credit card in my name and the debt went to collection before I was made aware of the debt. I contacted the debtor and proved I did not incur the debt and therefore, did not owe it. According to my mortgage company, the debt is still on my credit record. I received a copy of the XXXX report and the debt of {$6000.00} appears to be deleted, but my mortgage company states the debt still resides on my XXXX report.
1. Per CFPB File No. XXXX Toyota was supposed to pay restitution/compensation on subject settlement.

2. Although they called me back couple of times to verify name and address, no payments have been made or received.

3. Could please advise Toyota to initiate remedial actions. Thanks a lot. 

XXXX XXXX ( XXXX ) XXXX
A fraudulent account is appearing on my Equifax credit report. I believe I 'm a victim of identity theft and have disputed this account with Equifax. 
Equifax refuses to remove this account from my credit report after numerous dispute attempts. 
The company that is reporting this information, XXXX XXXX Bank XXXX, account number XXXX has been rude, unprofessional and unhelpful in my attempts to figure out why this is appearing on my credit report.
In XX/XX/2018 I find {$920.00} Medical bell on my XXXX  credit report and I disputed with the credit bureau but it looks like its still open and its harming my credit score The company that bought this charge my credit report Named commonwealth financial systems and this debit bed off And I have the receipt for that I attach the receive with this page
I was notified of a charge to to my local XXXX of {$1000.00} made on my Wells Fargo banking debit card. I filed a dispute with Wells Fargo and submitted proof that I was at work and the card was in my possession during the time of the transaction. Wells Fargo dome a dispute investigation and informed me that I was in the wrong and denied the claim due to the fact that my banking card had to physically be at the store location during the transaction