WillisBack/dataset-financial-user-claim huggingface dataset:
My son who was  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2016  saw his doctor at  XXXX   XXXX   XXXX . He has insurance through his step-mother 's plan. I did pay his co-pay of {$15.00} when he received a bill for that. However, I got a bill in my name for {$220.00} and could n't get an explanation of why he would even owe this money. I have no idea why this bill is in my name as my son is n't on my insurance and is an adult. They sent it to a collection age ncy, Professional Claims Bureau,  in  XXXX , NY. I have repeatedly told them this debt should not be in my name.
Nation Star Mortgage company called my husband 's place of business and spoke with his boss. They told his boss that he was late on his mortgage payment and that my husband needed to call them back immediately. They gave him a call back number and a message number and his boss gave that to my husband. They have never been authorized to call my husband 's work or speak anyone but he or I.
I submitted a dispute with Equifax via mail regarding account name : XXXX XXXX   XXXX XXXX, account # XXXX ( see attachment. ) I received the results of reinvestigation dated XX/XX/XXXX ( see attachment. ) Upon review of the results of reinvestigation, there is a major inaccuracy. The date of 1st delinquency of XX/XX/XXXX is incorrect. Upon pulling a previous Equifax file from XX/XX/XXXX, confirmation # XXXX, the account showed a date of first delinquency of XX/XX/XXXX ( See attachment. ) This is a 13 month discrepancy. Therefore, the creditor is " re-aging '' information and reporting inaccurate information.This is a violation of the Fair Credit Reporting Act ( FCRA. ) Furthermore, Equifax has verified this as accurate information which is inaccurate. Since the date of 1st delinquency is XX/XX/XXXX, this item should be removed seven years from that date. In this case, the account should fall off from my Equifax credit file on XX/XX/XXXX. Please refer to the attachments with the inaccuracy directly from Equifax reports.
I have been constantly harassed on a debt I know I do n't owe, never heard of MCM collection, never have I agree of all the amounts fees of what I am being charge, this is an embarrassment on my part when I apply for credit. I need open doors and with this unverifiable debt its very disappointing and very stressful.
I have a negative line item showing on my XXXX, XXXX and XXXX reports from American Honda Finance. I have NO association with this creditor nor have i ever.
Hi, Before I get into anything I just want to say how I do enjoy Coinbase. The service has been amazing. However, it seems like XX/XX/XXXX something happened and I ca n't seem to get a response from anyone that works there. 

I know they are backed up and I would wait longer but the amount that is owed to me {$110000.00} which is a lot. 

Here are the wires that are missing and the ref # s that were put on the emails. 

{$11000.00} Ref # XXXX on the XX/XX/XXXX {$49000.00} Ref # XXXX on the XX/XX/XXXX {$49000.00} Ref # XXXX on the XX/XX/XXXX Each wire was supposed to be sent next day. We are in XX/XX/XXXX. 

Any help would be amazing to get my funds back or anyones attention. All I wanted was some reassurance that I would get it back. 

Thanks, XXXX
I used to own a property with my ex-girlfriend. When we split, I quit claim deeded off the property so she could refinance the loan out of my name and solely into hers. Instead of refinancing, she modified the loan without my knowledge. The lender acknowledges that I was and am not an owner of the property and never signed loan documents for the modification but refuses to remove the modification from my credit report. This is severely negatively impacting my credit and I had no knowledge that the loan was modified in my name. I was able to obtain a copy of the deed and it even states that the borrower ( my ex-girlfriend ) claims that there was no change in ownership of the property since the original loan, but there was a change, as I was removed from being an owner. Also, it is my understanding that it is illegal to place a loan in someone 's name or modify a loan without the knowledge and consent of the person whose credit is being affected by the event.
In XX/XX/2016 I received a mailer from Navient listing options to reduce the payment on my private student loans, including a 0.25 percentage point interest rate reduction for enrolling in automatic payments. I called Navient to confirm that my loans were eligible for the rate reduction. The agent confirmed that they were, so I set up automatic payments. Those payments have successfully processed for three months now. However, my rate and payment have not changed. I contacted Navient today to express my concern and was told my loans are not eligible for the rate reduction. I believe that either the agent today lied to me to meet goals for denying interest rate reductions, or the agent in XXXX lied to me to meet goals for enrolling customers in automatic payments. When I confronted the agent today with this interpretation and asked for identifying information for the agent from XXXX, he disconnected from the chat service we were using to communicate. I would like assistance securing my interest rate reduction and back payments for the reduction I have been entitled to since enrolling in automatic payments.
I have a XXXX account on my credit report and have been disputing it since XXXX. I have tried to contact them several times without getting any kind of response from them. I called them and was only told they would get back to me and yet I have not heard anything from them. I have contacted equifax concerning this matter they disputed it and sent back a response that the account has been verified and yet I still have nothing from XXXX but yet I am being told it has been verified. I do everything in writing to assure my verification and yet can not get any kind of response and I have a problem with how equifax claim they have and can get verification and I have not been able to get anything from them since I started this in XXXX.
XXXX  along with XXXX  and Equifax are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.
To Whom This May Concern, I have been waiting for Wells Fargo to issue a mortgage discharge from 2011. XXXX held back {$1500.00} Escrow when I sold the property. I have received half of the funds owed to me. XXXX informed me that Wells Fargo made a mistake on the 2nd discharge for the balance of {$750.00}. Is there anything that I can do? 
Thanks, XXXX XXXX
originally filed XXXX in XX/XX/2018. Chase never gave me the information regarding the initial application XXXX XXXX completed using my information to obtain the credit card. XXXX XXXX has created many accounts using identity theft in my name. XXXX has already acknowedged this and taken the appropriate measures. XXXX is still investigating ( account used to pay this card ), XXXX XXXX has already refunded the money XXXX stole. Chase denies the identity theft yet is unwilling to release the information that would prove this. Saturday of this week I sent a request for documentation to the email address that they provided. I have yet to receive my requested documentation. ( see attached ). In Chase 's response as to the denial of this being opened as a result of identity theft, they even include expenses for a gym in XXXX FL .... I have never had any interest in a gym in Florida. Chase 's own response and supporting evidence further evidences the clear fact that this was fraudulently opened, used and paid for by my funds without my knowledge.
This was paid by my insurance company so I do n't understand why they still need me to pay it
I applied for a new XXXX XXXX card from Citibank which I should have been well qualified for ( XXXX XXXX XXXX ), but was apparently denied without explanation, despite following instructions from their customer service. I applied aroundXX/XX/XXXX. After several weeks without a response I called Citibank 's customer service around XX/XX/XXXX. I was told that I needed to verify my identiy either by providing a reference a letter, or by answering a verification call. I had not received a letter, and apparently the phone number they had called was a landline number that I discontinued a few years ago. The customer service rep offered to re-send the letter.
So far this was fine -- I ca n't fault Citi for wanting to do two-factor authentication. The troubles began when I received the repeat letter. I called Citi again and provided the code in the letter, but instead of taking this as verification, they instead denied the application. The only reason I could get out of the customer service rep I spoke to was that they " could not verify the information on [ my ] credit report. '' I went around with him repeatedly trying to figure out what that meant, or how I could fix it, but only got the same response. I asked to speak to a supervisor, but while I was being transferred I accidentally pushed the wrong button on my phone and hung up.
At this point things went from bad to worse. I tried calling back, but Citibank 's application line has an automated voice response system that requires an SSN before you can proceed. When I enter my SSN, I get an automated response that my application has been denied, and can proceed no further. I ca n't get anyone from Citibank on the phone, and ca n't get any further information. Citi eventually sent a letter confirming the denial, but with no additional information, just " We could n't verify the accuracy of some of the information you provided. '' I 've attached the final uninformative letter, such as it is.
Now I have no card, and a hit on my credit score from a hard inquiry that went nowhere.
Hello, I assumed and modified a loan with Nationstar Mortgage aka Mr. Cooper in XX/XX/XXXX. Through that process, the lady I was working with told me that the first batch of documents were lost and I needed to send out another copy, she informed me that I should not pay until the assumption was completed. I sent in a new batch of documents and placed the mortgage payments in a savings account for when the loan was completed. I was told several times that once I make the payment all late payments would be forgiven. The assumption/modification was completed, and I made a lump sum payment. I am currently in good standing with my mortgage, however they are reporting that I had this mortgage since XX/XX/XXXX. Which would place me at 11 years old with all the late payments. I am requesting them to fix their reporting and they have failed to do so. Please help. I am now trying to refinance and I can not due to their inaccurate reporting.
I was contacted regarding a debt that was settled over 10 years ago. The company refuses to provide information regarding this debt. They continue to call before XXXX.
On or about XXXX/XXXX/2015 I applied and was denied credit through XXXX bank. The reason that XXXX bank stated for their decision was my debt to income ratio was being negatively offset by the reported monthly payment amount by Mercedes Benz To XXXX in the amount of {$4500.00} when infact and according to my contract between MBFS and I the monthly lease payment amount was for {$450.00}. The vehicle has since been turned in per the attached letter and I am no longer in possession of the vehicle. All payments made on time. There is a payment arrangement in place regarding the remaining balance of {$3800.00} for early lease turn in ( 3 months early ) and excess miles, which I 've been paying on monthly {$600.00} until paid. 

Related CFPB case XXXX
The CRA ( XXXX ) is giving out my information to companies who I no longer have a financial relationship with such as XXXX Bank. In the past 2 years that have given out my credit history to agencies I am not familiar with and as a result my credit score is very low. The hard inquiries by lending institutions sink your score. I have not authorized my credit to be checked by these entities. It needs to stop being a practice at Trans union.
Credit Karma should stop advertising to consumers and encouraging them to dispute their credit reports without consumers first obtaining an official report from the bureaus and reviewing themselves. They should stop advertising the reports they provide for free to consumers as their real credit reports, when this is not the case. This is XXXX and unfair to other businesses, causing more work for other companies to review frivolous disputes when the reporting was accurate.
My Bank of america edd. Card was stolden and charged up with out my authorizing. There were XXXX   of charges that i did not do. I call bank of america and reported my card as lost of stolen. They send me a new cars and said they would put money back on my card in ten days. I then recievedba letter in the mail saying that my claim was denied and they dont. Feel my claim was denied.
After submitting a mortgage application 1 month ago, Bank of America has not sent us the new Loan Disclosure form. BofA, when asked, said they were not aware that a Loan Disclosure form was a requirement.
Due to the Equifax security breech i am attempting to freeze my reports at the various credit reporting agencies, ALL of whom have made it a herculean task. None as bad as XXXX and Equifax themselves. 

1 ) XXXX makes you register and then deems your security answers to be false when they are not. Literally locking you out of the system. They have no way for contacting them other than via phone. which is time consuming and a long wait. This is a deliberate diversion to keep you from freezing your report. Also, I suspect that given my age, XXXX, and the fact that putting a freeze on my data is suppose to be 'free ', they are deliberately discriminating. 

2 ) Equifax, the guilty party that has created all this chaos has a broken web site. AFTER you spend 20 minutes doing data entry you can not actually follow through with a 'freeze ', the link just goes round and round and dumps you out. So they are incompetent as well. Perhaps the multitudes are freezing their data on this site and its overworked but surely they should be able to accommodate it. 

Finally, WHAT is the logic in making anyone, regardless of age, have to pay to freeze their reports? All agencies do this. This is consumer madness especially since in order to protect your data you now have to pay the company that allowed the breech to begin with. That 's like having to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a second time. Are you kidding me. They should be providing everyone with a free freeze and you should be forcing this to happen..
I went to local branch and made a deposit for total of XXXX dollars in my business account money is nowhere to be found went to the branch spoke to a banker he called it in they are saying it will take 10 days to investigate the reciept is there it is banks fault Wells Fargo is not admitting they messed up either someone stole the money or this is how they do business I am being hit by bad business from my creditors because Wells Fargo goofed up
I contact Wells Fargo on XXXX XXXX 2017, informing them of my hardship and requested help with monthly minimum payment. The rep suggested that I could give the car back mess my credit up and still have to pay the balance. I like her know that I was able to make a payment just not the required monthly payment of {$390.00}.
I had 3 cards with Bank of America. I closed 1 due to a recurring fraudulent charge. B of A closed all 3! I've been a customer since 'XX/XX/XXXX & always paid on time, most of the time bringing balance down to XXXX. Contacted them - they had the nerve to say I should reapply! On 1 of  the accounts, I owe $ XXXX, but since they closed it, I now owe that amount to be paid in full!
In XX/XX/XXXX, I signed a {$2500.00} promissory note with XXXX. The original docs were altered after I signed. I filled a fraud compliant with XXXX. They agreed and waived the balance of the loan. In XX/XX/XXXX, Resurgent bought the loan and I refilled the fraud complaint and Resurgent agreed and waived the loan. I have not received any bill since XX/XX/XXXX. In XXXX XXXX ( last week ) I received a Mortgage statement for {$8500.00} from Shellpoint MTG. Confused, I called Shellpoint. XXXX, in the Shellpoint XXXX office indicated they purchased the " mortgage '' from Resurgent. The 10-year-old, {$2500.00} promissory personal loan magically converted into a mortgage attached to my primary residence. XXXX confirmed the loan was indeed a mortgage on my home and was in the XXXX lien position. Shellpoint is threating me with foreclosure and placing it on my credit. Statue of limitation on promissory notes is only 4 years. I shredded all my old XXXX doc 's long ago. I have called 3 times and sent in 3 requests for lien documents and strangely they ca n't find any.
First, the status of limitation is complete involving relationship with your Caliber. Second, your company has not receive payment with me since XXXX. Third, XXXX sold the mortgage to Caliber in XXXX of XXXX. XXXX, I had to restart modification over again. My reason for modification was to remodel the home to accommodate my husband, which fell down the step twice, which was already a XXXX XXXX XXXX. I had to move in XXXX of XXXX because there was no response to the modification in timely fashion and husband condition worsen. I had already moved before Caliber agreed to give a modification. Five, never receive one dime from me and reporting payments never obtained.
On XXXX I purchased a used 2014 XXXX XXXX, I put {$10000.00} cash down on the vehicle leaving a remainder of {$14000.00}. I told him ( loan/finance officer ) that I did not want to use the dealership because they always have higher interest rates ( XXXX XXXX XXXX ) He DID NOT tell me that he was going to running ANY hard inquires on my credit, I was under the assumption that it was soft credit checks. I told him that I used XXXX XXXX for my last vehicle loan and that I enjoyed using them as a financial institute ... .my credit was never ever ran for that company??? I checked my credit last night and apparently he ( the loan/finance officer ) decided to run it 4 times!!!! Can you please have this removed from my credit as a hard inquiry? If I would have known this I would have never used this dealership! 
I DID NOT authorize this for the following ; COAF- Finance on XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX-XXXX XXXX I will accept the XXXX XXXX XXXX that is who he ( loan/finance officer )  showed me the offer and had to initial by the agreement. This is the company I did agree to their terms. I am beyond floored that they so easily dropped my credit!
Hello. 
I recently contacted my mortgage company - Freedom Mortgage - regarding requesting removal of PMI from my mortgage. In the letter XXXX SEE ATTACHMENT ), I advised that my current outstanding principal on my loan is {$210000.00} ( As of XX/XX/XXXX, the loan balance is : {$210000.00} ) ( SEE ATTACHMENT ), and that the 2016 value of my residence, as determined by XXXX office, and that which I pay taxes on, is {$270000.00} ( SEE ATTACHMENT ). I provided the attachments as proof. I showed that {$270000.00} x 80 % = {$220000.00}, and therefore I had over XXXX % equity in my home, based upon the loan to value ratio of the home. {$220000.00} ( 80 % ) & gt ; {$210000.00} XXXX Amount owed on my mortgage ). The figure was based fully upon assessor appraisals and includes XXXX done to the home. 
I received a letter ( SEE ATTACHMENT ) back from Freedom Mortgage that advised that if the home loan was between XXXX and XXXX years, which mine is, I had to have a Loan-to-Current-Value ratio of 75 %. I am not a high risk lender, and I have never missed or been late on a payment on my mortgage. I even pay early and every XXXX weeks. I am also just over 3 years into my current mortgage. 
I do n't know why they are telling me I need XXXX % home to value ratio, when everything says I can request cancellation at XXXX %? I feel as if I am being taken advantage of by Freedom Mortgage. In addition, Freedom Mortgage indicated they only accept appraisals from one vendor - XXXX. I do n't understand how the mortgage company 's XXXX vendor can be unbiased when conducting an appraisal? 
Thank you for your time.
Mortgage established more than three years ago with automatic payment from my checking account. For the last month or so, the autopayment selection on the Chase website has been reset to " no '' without my knowledge or consent. When I try to reset it to " yes, '' I continually get the same error message on the website ( using two different computers, two different internet providers and three or four different browsers ). It is not a problem with my computer.

Chase customer service manually reset the autopayment once -- after I spent an hour on the phone with them. However, several days later it was reset to " no '' again. I am unable to change it back because of the website malfunction described above. 

I have a " cashback '' benefit from Chase for paying my mortgage from my Chase checking account automatically. I believe the bank is deliberately resetting my autopayment selection against my will and deliberately preventing me from resetting it in order to disqualify me from the mortgage cashback benefit.
I called all three credit bureaus, XXXX, XXXX, and TransUnion to inform them of the unauthorized credit inquiries, after several attempts they would not remove them.
Unathorized Inquiries and Dates of Inquiries 1. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 2. ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX 3. ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX 4. ) XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX  5. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 6. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 7. ) XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX 8. ) XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
I have XXXX hard inquiries in my credit report and I have not asked for any credit in no place. It appears on request at XXXX and the other at XXXX ON XXXX XXXX. And Have other on XXXX for XXXX made the day before XXXX XXXX. Please investigate asap. 

Thanks In AdvanceXXXX XXXX
my JCPenny has been altered on their online site someone used my old email address as their user name " XXXXXXXXXXXX '' my real address now is XXXXXXXXXXXX this makes it diffcult to get info online at synchrony bank not JCPenny where I signed up
Check n ' Go is responsible for making my bank accounts with XXXX in XXXX, California, to become overdrawn and accumulate fees. This was after they chose to ignore not only a Notice to Cease and Desist, but other forms sent by a payday loan consolidation company I am working with. Those documents were submitted weeks before my loan was due with them. This lender was notified that they would be compensated for what I owed, just not on the date of the previous agreement.