WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a construction loan to be converted into fixed rate mortgage loan in XXXX XXXX. In XXXX XXXX, I received a letter from Washington Federal that my mortgage rate will be a fixed at 4.875 % for 30 years with a 1 % pre-payment penalty provision prior to XXXX XXXX. I sent them a letter explaining that I was offered, in open market, a 30-year-fixed-rate of 3.75 % -- and with XXXX-fees-or-costs. 
When I signed the initial papers in XX/XX/XXXX I was told that the bank would be able to match market-rates for fixed-rate-mortgage in the future. But the bank refused to match the new rate, despite their initial verbal promises. I was left with a choice of paying nearly 1 % higher rate to Washington Federal for next 30 years to save the 1 % penalty, or paying 1 % penalty and saving 1 % yearly for next XXXX years, by refinancing elsewhere. The decision had to be immediate because the rates can change rapidly. 
I had to pay 1 % penalty to Washington Federal to get a 1 % lower fixed-rate for XXXX years. This was completely unnecessary if they had followed through on their initial promise that they would match market rates for fixed rate mortgage to avoid refinancing.
Went court frederick hanna asociates got a judgenent consent for XXXX claiming to reprinting XXXX I never sen any documentation in court even though asked for documentation asked for settle for less would not and only can afford XXXX a month but charged XXXX my income is to low to pay this and never seen any documentation in court should have owed less never seen a signed contract from their attorney where I owed the debt I had been paying XXXX in the past now charg me XXXX. Though it wa violation to be paying before trial and all proof documents where in court have payed hanna over XXXX in past and do not owe the stated ampunt
XXXX 2014 unpaid for {$37.00} I have never had any XXXX service in my life with this company Please fix this problem from my credit
Not my address indicated on this credit report, never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
I worked breifly for a mortgage company that made many misrepresentations about their pricing and funding times. I quit the company XXXX/XXXX/XX/XX/2014 and asked when they were going to pay me my final commission. They told me on the following pay period. When the following pay period came, they changed their story to say that I never originated the file. I have a sworn statement from the borrower saying that I was the only one who originated the loan. This mortgage company is committing fraud by saying someone else originated this loan. I have all the email correspondence between the borrower and I during the initial phases and a letter saying I originated the loan.
Navient continues to call at least XXXX times a day. I have explained to them that when I co-signed the notes for my sons private loans I was working and making good money. Since then I was taken out of work by my doctor ( 4 years ago ). I applied for my XXXX and after 2.5 years was deined. I draw a little over a {$1000.00} per month with my XXXX retirement check, which I started drawing 2 years ago this XXXX. With my XXXX and XXXX, there is now way I can pay this loan back for my son who is still seeking gainful employment.
Today a representative of Carter Young ( XXXX ) representing a debt from XXXX XXXX XXXX XXXX called, and she was very rude. When I asked if I could get the bill she stated that the original debtor should have sent me the bill. I then asked if I could get a letter in regards to this debt, and she stated that a letter had already been mailed to an old address that I hadn't lived in at for 3 years. At that time she became rude, and I had to ask her to stay cordial over the phone, and allow me to provide her with my new address. After I gave her my address, I asked her for her name, and she hung up the phone. This is very unprofessional. I have the right to know who I am speaking to, and what is the exact information for the company that is contacting me.
Account was in deferment but fed loan serving reported it past due and after reporting it past due changed the loan to current.
The debt shows dispute resolved and {$0.00} due and and account not disputed - their information is not consistent. Who really handles the records to clear the issue? 

XXXX XXXX XXXX/Chargeoff {$780.00} Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Collection Credit limit N/A Account disputed No Amount past due {$0.00} Remarks Dispute resolved ; customer disagrees
I have repeatedly asked this hospital to remove my number from their robo calls. They continue to call everyday, twice a day.
XX/XX/2018 XXXX XXXX XXXX brought account from XXXX XXXX XXXX. 
XX/XX/2018 I have contact XXXX XXXX XXXX to request documentation as of XX/XX/2018 I have not received documentation. I have received XXXX dispute result indicating information has certified to XXXX the information is accurate and remains. XX/XX/2018 I contact XXXX XXXX XXXX spoken with XXXX @ XXXX, XXXX XXXX and XXXX XXXX XXXX Each representative have informed me XXXX XXXX XXXX do not have documents on file to verify the account. Please assist with getting account removed from credit report.
Equifax removed my Chapter XXXX bankruptcy around XX/XX/XXXX. Equifax reinserted the account back on my credit report around XX/XX/XXXX. I never got a letter.. The FCRA state that I must be notified within 5 days before the reinserte
I have had a Discover card since XXXX in which they have advertised for decades a " 1 % cash back bonus ''. ( See the attached XXXX which references this. This was how Discover entered into the credit card business was with the 1 % cash back bonus to compete against Visa and XXXX XXXX and MasterCard. Tonight I called Discover because my cash back was much less than 1 % and I spent approximately {$11000.00} in XXXX. The whole year I 've only earned {$270.00} in cash back bonus but spent {$41000.00} on my Discover Card. So my cash back bonus should be {$410.00}. I find out that because my anniversary date of joining Discover is in XXXX my cash back is only XXXX up until I spend {$3000.00} in XXXX. This is false and deceptive advertising - no where does Discover say that this happens on your anniversary date - which conveniently for them is the month that I spend the most for the holidays. Further, I found out from the service rep who I spoke to that they now have a special card called an " IT '' card ( which I have never heard of ) that offers 1 % to customers who joined since XXXX that does n't have an anniversary date catch. So not only have I been ripped off for 30 years but now new customers get the 1 % automatically. But I would have to replace my current card with this new " IT '' card. That 's just crazy! Why did n't they give their long-time customers the IT card automatically?? I am sure most of us do n't even know IT exists!! Or a better question - why create another card when my card is supposed to pay 1 % cash back? Why would I voluntarily choose to have a card that pays XXXX over one that pays 1 %?? 

Discover Card needs to stop false advertising. None of their current TV advertising about the 1 % cash back bonus says " if you are a long-time customer this does n't apply to you ''. This is just another scam like the XXXX XXXX scam. Discover Card ca n't get away with ripping off long-time customers.
I reviewed my annual credit report from Experian and it showed an account that is not mine. It is related to identity theft disputed this several times and Experian continues to keep it saying that company vertices this is correct after I explained that I was a victim of identity theft. Submitted the requested documentation and it still remain on my credit report.
I contacted Chase after a huge ordeal with XXXX. I rented a vacation rental and had numerous issues with the host. She would not respond to message or phone calls. My date was quickly approaching and XXXX told me to cancel the reservation ASAP because the host wasn't communicating. I spoke to several people at XXXX and 2 of which promised a refund. That refund never happened. I called Chase to file a dispute. The date of transaction was approx XX/XX/18. I provided Chase additional information on the dispute on XX/XX/18. Yesterday I saw they rebilled my credit card for the disputed amount. Chase has never called or sent a letter in regards to this. I called Chase and was told they sided with XXXX. They didn't care that XXXX promised a refund and hat XXXX had sent a disclosure. The disclosure is null and void as the host didn't communicate with me. How can I stay at a place where the host is non responsive? XXXX agreed to refund me and now they refused. I attached the additional info I sent Chase. Also, included a screenshot of my convo with XXXX. I had several other conversations on their phone line.
I received a call from an unknown number on XX/XX/XXXX, XXXX XXXX. There was a voicemail left by a woman by the name of XXXX XXXX ( private courier ) - she stated that I will be served paperwork/documents on XX/XX/XXXX, at my residence. She added that I can call the filing party at ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX ) if I have any questions. I call the number and was transferred to a XXXX XXXX ( senior paralegal ) where he proceeds to ask if I am settling an old debt from XX/XX/XXXX with them at that very moment. The debt they claim I owe is {$10000.00} ( and he verbally stated on the phone that the original debt was {$2700.00} ). When I asked for additional information to verify if this is a legitimate debt, he commented that I 'm disputing this because I do not want to pay. He added that there was a payment towards this old Discover account back in XX/XX/XXXX, and that after that I failed to provide payment. But again, he could not provide any documentation regarding such payment. I informed him that we are talking about a debt from 17 years ago, and I need to research. In addition, I need to check my credit report. I told him that I will need to check this first before answering to them. He stated that this debt is no longer on my credit report. He provided only a statement via email, stating I owe the {$10000.00}. No other documentation was provided where I can see if indeed this is my debt. He kept asking if I would to offer a certain payment amount at that very moment, and did not listen to my plea for more information. I had to explain to him that I will need to consult with my attorney on this. I asked for his ( XXXX XXXX ) direct line ... it is ( XXXX ) XXXX. -- -- -Attached is the email I received- I excluded the SS # and the account number -- -- -- -- NOTICE OF DEBT ASSIGNMENT XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX SSN # XXXX Re : Balance Due : {$10000.00} Dear XXXX XXXX, XXXX XXXX XXXX has purchased the rights to any and all collection activities from DISCOVER CARD in regards to account number : XXXX Reference is made to a certain debt or obligation due from XXXX XXXX to the above captioned party. On XX/XX/XXXX, all rights to receive future payment have been assigned to XXXX XXXX XXXX XXXX. A copy of the assignment is available and attached. We understand the balance due is : {$10000.00}. Accordingly, we provide you notice of said assignment and notice of debt. Direct all future payments on said account be directed to the undersigned, at the below address. Further, any form of mail in payments should be made payable to the undersigned. It is important that all payments be made as directed to insure credit. You understand this is not a dunning notice. We appreciate your cooperation. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX
I am a victim of identity theft. I have filed and sent numerous complaints and police reports with the case numbers in regards to fraudulent accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following accounts and hard inquiries are fraudulent : XXXX, XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX. I been receiving harassing and threatening telephone calls from representatives from XXXX XXXX in reference to a fraudulent account that do n't belong to me.
I rented a car using my XXXX card. when I returned the card I paid with my US Bank card. 
I was then charged with a fee from my XXXX card for 1 day and a fee from my US Bank for XXXX. I reported the issue to US Bank. They returned the amount in 15 days. US Bank later reversed the charge and charged me XXXX again. They said they mailed a letter requesting addtional documents that I never received. Its been 15 days and Im still waiting to have the fee reversed from US Bank. I called and they said they have all my documents however nothing has been done.
Credit Penn Corporarion has given me a derogatory XXXX on my XXXX XXXX based on inaccurate information. I do not have an outstanding debt with XXXX ( original account holder ) The account was paid in full and closed. I contacted XXXX AND Credit Penn corporation and I am getting the run around. Meanwhile my score has dropped XXXX points. XXXX XXXX of credit Corp Penn told me he could not take my word or confirmation number I retrieved from XXXX to prove I have no outstanding balances. The confirmation number is : XXXX XXXX has told me to contact the credit bureau, so this is my attempt to clear this matter before Credit Penn Corporstion report again with a derogatory mark.
I found out today that due to Bank of America mistakes I am now on the blacklist at early warning services and other banks are not willing to give me an account. 

On or about XXXX XXXX 2016, my dad and myself went to a BOA branch in XXXX NY to open a bank account for our business. 

After the rep opened the account she took me to the ATM and had me deposit a check of {$9900.00} via the ATM. After the check went in a receipt was printed indicating that the check will be held for 7 days which was not acceptable for us. 

We immediately told her that it was not acceptable and we want the check back. The rep told us that it is not possible and got us the manager when we requested. 

The manager told us that it is not possible to get the check back and suggest that we put a stop on the check at our other bank. I responded that I will do so if BOA will absorb the fee associated. The manager told me he can make some calls and waive the fees from XXXX XXXX. About 15 minutes after I was told that a XXXX rep wants to talk to me regarding waiving the fee. 

At this point the manager at BOA was able to get the fees waived for a stop payment for the check that was in the ATM. I went ahead and confirmed with XXXX that I wanted to stop this payment. 

A few days later I was informed that the BOA account was being closed due to the first check getting returned. I was ok with that. We then went to our local XXXX XXXX and opened an account only to find out a few days after that they are closing it due to the reports of Bank Of America to XXXX. 

I would appreciate if someone from BOA would clarify with early warning services as to why they closed my account. 

The ATM number XXXX
I did not know what to properly put this under. I have a case of Double Jeopardy being reported by a collection agency utilizing different names for different Credit Reporting Agencies. The affiliated group allegedly states they are the same company as XXXX although they are reporting as different companies on two my credit reports. 
On my XXXX report XXXX collect is reporting with an amount and on my XXXX report XXXX credit is reporting for the same amount. By paying the debt to either one I leave myself vulnerable to have to pay the debt again since the reporting is different on my XXXX report and my XXXX report, and these companies are not reporting the debt type information with each credit agency which if debt type was listed as medical it would not have a dramatic affect on my score. I feel this is a manipulative tactic to report under two different names it looks like I owe multiple accounts with the same amount. 
Also by reporting the exact name of the medical facility my HIPPA rights have been violated. The debt should have been reported a medical debt not individual debt. 
I am unable to locate in documentation from either company in reference to verifying this debt. 

XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX - {$190.00} Original creditor : XXXX XXXX XXXX XXXX Overview Balance {$190.00} Highest Balance {$190.00} Opened XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Reporting The Affiliated Group Opened XXXX XXXX, XXXX - {$190.00} Original creditor : XXXX XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. 
Balance {$190.00} Highest Balance {$190.00} Opened XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXXXXXX Creditor Information THE AFFILIATED GROUP XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
I had a bill with XXXX XXXX in which was paid. I submitted my paperwork showing this judgement was paid and for some reason XXXX or Equifax did not remove this off my credit report and wont allow me to dispute it. I just recently went through the cfpb to help me with XXXX and It was just recently removed off my experian but now I see it popped up on my XXXX and Equifax. Why??? why are these companies giving me such a hard time taking it off my credit report.Once again I contacted XXXX district court in Michigan in which they stated the same thing I had to reach out to XXXX XXXX and Equifax as I did experian to have it removed because XXXX district never put it on my credit report. I reached out to both companies and was told to call the XXXX number for each company why?? they wont give me a reason. Like I explained before in the previous dispute I 'm just trying to buy a home and this public record is really a hurting factor on my credit report. The judgement was satisfied and the courts did n't put it on my credit report so why do I have to suffer when all I 'm trying to do is maintain a good credit score and purchase a home for my family to live in. XXXX and Equifax need to remove this off my report its unfair & XXXX it really is. Once again I also called XXXX XXXX in which the representative suggested I contact cfpb. All I want is for this public record to come off my account its unfair that this is holding me back from obtaining a financial loan. The courts acknowledged they did n't put this on my credit report so why is it so hard to dispute it. Please I need this off my transunion and my equifax report why would it show up after it was taken off my XXXX? Can you please help me with this situation attached I will submit the information for the satisfied judgment. 

Regards XXXX XXXX XXXX
We believe we have experienced some unlawful practices throughout the course of our mortgage refinances with XXXX XXXX ... XXXX of our largest complaints is that we subsequently refinanced with Quicken. I believe XXXX XXXX withheld monies in our escrow account ... They were never refunded directly to us or forwarded to our refinance. 
Our second complaint is in regard to Quicken Mortgage Refi. At the t of our refinance we were given XXXX ARM set at XXXX & for 5 years unless the interest rate dropped lower that the 3.75 % and if we requested we were eligible for automatic interest reset to that fixed interest for duration of the loan ... without cost. Quicken has not honored that promise.This is deception! We request your help for our sake as well that of others. Thank you, XXXX
There are two bankruptcy accounts on my Equifax credit report that need to be deleted. There were expunged by the court and filled in error. Reference numbers XXXX and XXXX.
On Several occasions I asked the title loan company A1 Fast Cash to not call me. I blocked their number numerous times and had to change my number. On XXXX XXXX I received numerous text messages from company and requested they stop. Company ignored me and started sending threats of being in jail and sent messages through group chat with other callers that I did n't know of false warrant documents with my personal information I asked again for this to stop they refused. After research the text they sent was false trying to scare me with fake warrant documents for a county I never lived or been in. The actions on the company behalf does violate me and I would like it stopped.
XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XXXX. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.
Please help me with figuring out how to get back on track with my monthly payments. I have been speaking with XXXX XXXX since XXXX of XXXX for help. I was ill and not working for most of XXXX and could not keep up with the payments due to having high risk XXXX. I was told by XXXX XXXX there was nothing they could do on my first attempt to contact them in XX/XX/XXXX, In XX/XX/XXXX I was advised to apply for lowering pays but the rep never sent the application. XX/XX/XXXX I was advised I wouldn't qualify via online tools and rep. XX/XX/XXXX I applied for temp XXXX and I was denied based on my loan type. Now I am thousands behind.
I am filing this complaint because the credit bureau ( EQUIFAX ) has failed to provide me any physical proof that they have on file that were used to verify the accounts I disputed. This is well past the 30 days allowed to verify these accounts. Under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible.
Dear CFPB. Thank you for being there. I was responsible for approximately {$80000.00} in Student Loans. In XXXX, I lost my job and my house. I worked with the student loan lender at that time ( XXXX XXXX XXXX XXXX XXXX ) to work out a solutions. As we worked towards a solution, the interest on the load increased with everything they did. Eventually, they turned the loan over to the Treasury Department to have the payment deducted from my Social Security Account. For nearly two years those payments were deducted from my Social Security Account. In XXXX of XXXX I was informed that the responsibility for the loan had been transferred to ECMC. With added interest, the amount due was then about {$240000.00} - four times the original loan amount. The deductions from my Social Security Account stopped for six months. After six months, ECMC turned the collection over to the Treasury Department. Again, the Treasury Department began deducting the payment amount from my Social Security Account. As of this writing, three payments have been so collected. However, ECMC has continued to call and write me. I see no reason for them to continue to do so. Here 's their most recent email : ============================================================ Date : XX/XX/XXXXECMC Account # :XXXX Dear XXXX XXXX My name is XXXX with Educational Credit Management Corporation ( ECMC ), the guarantor of your federal student loan. You may have received a letter from us recently regarding the default status of your loan ( s ). Student loan default can have negative consequences. The U.S. Department of Treasury may seize your tax refund on behalf of the U.S. Department of Education, you may be subject to a portion of your wages being garnished, negative remarks on your credit report ( s ), and while in default, you are not eligible for any federal financial aid. We are here to help you! Please call me today and we can find the right solution for you. We will work together to establish an affordable monthly payment based on your financial situation. Please call me today at XXXX. Due to the time sensitivity of this matter, please act now before time runs out. Sincerely, ECMC www.ecmc.org/XXXX  ============================================================ I am also attaching the most recent informational mail piece from the Treasury Department indicating the deduction of last month 's payment. Please let me know if you need any additional information. Thank you. Regards, XXXX XXXX