WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I applied for an equity loan with Navy Federal. We were prepared but had to wait for an appraisal on our home. We applied for XXXX. Based on prior homes and XXXX XXXX taxes we are paying taxes access at XXXX the appraiser came out and said our house was only worth XXXX. He accessed our home accounding to XXXX bedroom homes in our community. He knew we have a XXXX bedroom. He even took pictures of all the rooms. We filed a n app ; eal with Navy Federal. They were surposed to make a decision in 5 days. We have not heard from them. We were assigned a loan officer and she wo n't even return our calls. I want them to send someone who will do the job right olr refund the money charged for the Assessment and want to be fair.
1. USAA will not honor the loan rate offered to me telephonically. Mortgage rates and associated points were telephonically communicated to me and I made detailed notes of the call. I locked in the rate/point based on the telephonic quote. Written lock-in agreement listed different point level from the telephone quote and I made an immediate inquiry to USAA. USAA has delayed investigating my inquiry for XXXX days. USAA now asserts that the telephone call where prices/points were quoted to me was not recorded and, therefore, it will not honor what was quoted to me by phone. 

2. USAA has declined to honor the closing date listed in the purchase contract. I have made repeated requests to have the closing date corrected, with no success. 

3. USAA has taken advantage of the fact that I am single and a XXXX-time home buyer. When initiating the application process, USAA was made aware that a ) I am young and single ; b ) I have no realtor ; c ) I am a XXXX-time home buyer. When I received my application packet, I did not receive contact info for my loan processor ( I did n't even know I would have a loan processor assigned to me ). When I did receive contact info, I received only a first name and a telephone number ( no last name or email ). Phone calls were not answered, voicemails were not returned for at least XXXX hours. Loan processor did not alert me when documents were sent to me, and since I have not gone through this process I was not aware that documents would be sent by overnight courier to me that required immediate attention. As a result, the process has been unnecessarily delayed several times. 

4. USAA will not work with me to resolve my issues/concerns. I made repeated requests to resolve my concerns/issues about closing date and points/loan rate with USAA and USAA has declined to work with me. The representative I spoke to indicated that the closing date is inflexible and that USAA would not honor the rate quoted to me by phone since they did not record the call. Further, the USAA representative chastised me by asking why I had not taken it upon myself to ask the questions about rate changes/required forms/process. I replied that every USAA representative I spoke to understood that I was a first-time home buyer, so how would I know to ask those kinds of questions since everything was new to me?
Tried to get my annual credit report from XXXX. XXXX   and XXXX worked fine but Experian is being difficult. I get the cryptic message " A condition exists that prevents Experian from being able to accept your request at this time. ''. Tried to call them but their infuriating automated system makes it impossible to get a human. Tried to sign up for their 'CreditWorks Basic ' to get some insight and no luck there either. Please help.
Experian Credit Reporting Agency continues to report inaccurate and false account information from both XXXX XXXX XXXX and XXXX XXXX that I have repeatedly and desperately trying to have removed and completely deleted based on the numerous and legally binding documentation that I have submitted to XXXX the creditors and Experian proving that I was a victim of Identity theft in 2014. I had a credit fraud alert in place at the time that these accounts were opened fraudulently and without my written or verbal authorization. I was told by the representative at Experian that although it is advised for they credit companies to verify with anyone who has a fraud alert in place with any activity associated with their person and private information. " They are not obligated to do so, its not the law ''. Therefore I feel as Experian is violating my consumer rights to report accurate information by continuing to report that these accounts are in collections and XXXX past due without proving that this is accurate. I have PROVED over and over again that I not only did not open any of the accounts that I am disputing, I did not live at the addresses they have provided Experian, and I have far beyond provided multiple forms of documentation proving this. The companies that Expieran is reporting information have not provided me nor them with ANY documentation or proof that I was the personal initiating any accounts with these companies. They continue to deny my request for a verbal or signed consent from me to be able to continue to ruin my life with the inability to qualify for a home loan and now I have been denied for financial aid for my son 's tuition to attend school next year. PLEASE HELP
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news linksto the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if  it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Ocwen XXXX is still trying to force me into foreclosure. After I sent them a payment of {$50000.00} dollars via wire transfer. From XXXX XXXX XXXX XXXX XXXX XXXX Al. They have continued to call and harass me at work saying I owe them {$59000.00} AND CHANGE. 
I am more than willing to pay the balance. But I will not put up with harassing phone calls. 
thank You for your time and consideration
I have sent several letters to Transunion disputing inaccurate information for XXXX accounts providing documentation these were paid by insurance company ( medical accounts ), proof payment was not 30 days late, updating employment information, etc. and they will not respond. I have disputed online and via mail providing adequate proof and yet they issue no response at all.
I have been trying to complete a short sale with BSI Financial who has now purchased my loan as servicer XXXX ( lender ), as outlined in the Relief from Stay they filed in my Bankruptcy case. My agent has been working with them and receiving emails directly from them in which they continue to change the terms of what they need to get an approval. First, they declined the offer we presented due to it being an investor buying my home and the value being too low. BSI sent an appraiser to look at the value of my home, and he went inside my home on XXXX XXXX, 2015, but never disclosed to me what the value is. My agent and her short sale team requested the valuation many times without any response from them. I believe they have to provide it per the XXXX valuation rules. The bank then cut the commission in a later email to make it harder to obtain a buyer. Then, they required the buyer be owner occupied and get cross qualified with their lender. They even provided exact XXXX comments that my agent used exactly as they requested. We complied with this and my agent held an open house and obtained an owner occupied buyer ( and getting the Owner Occupied Affidavit signed that they provided ) with a much higher offer, {$15000.00} above market price. The buyer did get cross qualified with their lender as they requested. We submitted the full offer with all documents, repair bids and comparable sales as they requested. They declined the file with no reason other than a XXXX line email " offer is too low ''. BSI Financial should provide me with the value they believe my house to be worth and/or counter offer the great buyer we have. Its a nice family who is spending time and money to wait for some response from the bank. My agent and short sale team emailed BSI on XXXX/XXXX/15 requesting correspondence within 3 days and to provide the valuation done on my home. We have yet to hear anything from BSI Financial. XXXX XXXX XXXX is the person who has been in touch with us. We have asked for his manager and left many messages with no response. In addition, my lawyer has already obtained the required approval from the bankruptcy court allowing the short sale, which cost me legal fees. I do not believe that they are doing anything to assist me preventing foreclosure on my home, in fact, they seem to be stalling and trying to deny me as they want to foreclose. They clearly do not want to work with me on this short sale, even though I have a physical and financial hardship.
Capital One Auto Finance is reporting me late to All XXXX credit Bureaus as of XXXX. I was never late at that time because I had an arrangement with them they would n't report me. I 've called them explaining this and they are saying they do n't show a late on file yet they keep verifying it at the bureaus. I am trying to close on a house and this is delaying it.
Purchased item on XXXX using XXXX XXXX  in XX/XX/2016. Item advertised as being new and in working order. Item received suffered from factory defect. Attempts at contacting merchant were unsuccessful. XXXX instructed me to work with XXXX as " they would help ''. Only option at XXXX was to file a claim. Claim erroneously denied with XXXX stating this was a " warranty issue '', which is incorrect as the item received was not as advertised, i.e., " significantly not as described ''. I have spent nearly two years trying to get XXXX to fix their error, including sending two certified letters to their general counsel which never got a response. After the last certified letter to them, I stopped hearing from XXXX so assumed they just closed the issue. Now I am being contacted by a 3rd-party debt collector. XXXX never informed me they were turning me over for collections, and still does not acknowledge their determination was incorrect. I am happy to reimburse XXXX for their outlay to the merchant, as soon as I receive the item as advertised.
We have an impounded mortgage account so our mortgage holder collects both our property taxes and our homeowner 's insurance and pays these. Our insurance agent contacted us onXX/XX/XXXX. She was unable to collect payment of {$1700.00} for our home owners insurance from our new mortgage company, despite contacting the company 7 times since XX/XX/XXXX. I contacted the company, Nationstar Mortgage, on XX/XX/XXXX to explore this issue and request payment since payment was due on XX/XX/XXXX. I spoke with an agent in the XXXX. She explained this often happens with new accounts and she would correct this. I contacted the company the next day, when I did not receive a confirmation phone call or the tracking number I requested. I learned there was no documentation in my account regarding the previous days call. I was informed my insurance company was not in their system and that was why they could not send payment. I spoke with both an agent and a supervisor and was assured the situation would be resolved and a check would go out on XX/XX/XXXX or XX/XX/XXXX. I was also promised a conference call with myself and my insurance agent the following day,XX/XX/XXXX, which did not happen. AS of today, XX/XX/XXXX, payment has still not been sent, despite both my insurance agent and I contacting the company again on XX/XX/XXXX and XX/XX/XXXX. However, I was told the check had been written and it would be mailed today. I am in jeopardy of loosing my homeowners insurance and seem unable to resolve this situation so I need help.
Today I received a Notice to Vacate my property despite the fact that I am currently in litigation with XXXX and XXXX. Additionally, I filed a Notice of Rescission which neither organization filed an action in court to challenge as required by law and the recent Supreme court decision. This is now the XXXX entity/ company working as agents for XXXX and XXXX contacting me via mail or in person harassing or attempting to intimidate me.
1 : Mailing Address is incorrect. 
2 : Date of Birth, is incorrect. 
XXXX issues are with EXPERIAN XXXX.
I took out the loan. I am currently paying 714.92 % interest on a {$700.00} loan. They are charging me {$860.00} finance charges on this loan. At the time, I was just looking for a quick, no credit check loan. My parents are the ones who told me that this was wrong. I should have done more checking to begin with and I am struggling to pay this loan, because I now live with my parents. Can you help me?
I received a phone call from ( XXXX ) XXXX and was told I owe money from an old creditor that I have not heard from in over 2 years and believe to be paid off. The person I spoke to did not seem very knowledgeable and there was a lot of loud noises in the background which made me suspicious. I have also had collection calls in the past and so I know from experience the person calling usually clarifies they are from a debt collection agency ; this was also not the case, which makes me suspious. This debt has not affected my credit score, and does not show up as a collections account. This person also did not ask me to verify any of my personal information like date of birth before giving me amounts due or other info. I have tried looking them up and do find a website but also the phone numbers and address information are different than what they are telling me. I do n't know if I should pay them or not? I have seen posts related to my original credit card company, XXXX, linked to scams online in the past. 
This company also has very old information for me including my maiden name from over 6 years ago and an old address.
A debt recovery was reported on my credit report XX/XX/2019. 
The recovery company is AD Astra RecoveryServ XXXX. For XXXX XXXX I do not know anything about this debt nor does my husband. 

I want this removed from my credit report please.
I have over XXXX in student loans the payments are so high. I am unemployed and XXXX and have a XXXX child there is no way I can make the payments. Navient denies me deferments forbearance and payment arrangements they are now threatening to put me in default and garnish my checking account and taxes
I took out a home loan for $ XXXX in 2004 with XXXX XXXX. They file bankruptcy soon after. A company out of Texas called Caliber Home Loans continues to fail to document my payments and correct loan balance and does not own my loan nor do I owe them anything per the FDCPA, they are simply debt collectors acting on their own behalf and need clarification to all of thisXXXX XXXX XXXX XXXX XXXX claims to be the Trustee for XXXX XXXX XXXX XXXX out of Delaware, but I have not seen any documentation whereby they have paid any consideration nor bought my mortgage. I have a group of Attorney authorized on file and they have failed to send them the requested documentation. Right now I would like an update of my alleged loan balance and escrow account with this company, along with a copy of all documentation requested by my Attorneys.
To Whom It May Concern : I am writing today to issue a complaint regarding the Sierra Pacific Mortgage Company , Inc. and its sub-servicer XXXX due to extreme mismanagement, miscommunication and misinformation on their part. For no discernable reason, my escrow account was recently analyzed and updated ( incorrectly ) and resulted in a more than {$300.00} increase in my monthly mortgage. Through a significant amount of legwork and initiating of communication on my part, I was able to get my escrow account reanalyzed and my monthly payment amount corrected for XXXX. Allegedly, a refund check was also issued ; however, I have yet to see it. This entire process has been arduous, confusing and extremely frustrating. To this day, I still have no answers as to why my escrow account was seemingly arbitrarily re-analyzed by the mortgage company. They refuse to answer my questions in that regard. The refund check that has been allegedly issued to me has also failed to arrive. 

This indiscriminate and sudden analysis that resulted in a significant increase in my mortgage payment is very concerning and at a minimum, indicates poor management. The issue has caused me a significant amount of financial hardship as I need to come up with an additional {$300.00} for this month 's mortgage payment. I have also spent an inordinate amount of time contacting the mortgage company to obtain updates, in addition to doing their legwork for them, as they seem incapable of initiating contact or doing their own research.
Company is calling from unknown number and leaving threatening voice mails on myself and all of my family member 's telephone numbers. He leaves a call back number of XXXX. He threatens to come to my place of business or home and serve papers to have me arrested
XXXX XXXX sold me a Nissan Altima under false pretenses stating it had a clean XXXX ( which I just found out it does not ) and under the false pretense that I had a 6.34 % rate. I overpaid for this car from the beginning based on their lie, as the damage on the XXXX that they claimed was clean immediately reduced the value of the car, which was greatly exaggerated. As for the 6.34 % APR, only 69 % of my payments have gone towards principle, which means I basically have a high interest credit card type payment for a car loan. I asked Nissan about it and they blamed the extensions they've given, but they never explained these extensions could nearly raise my interest paid to 500 % of what it should have been. When trying to trade of the Nissan completely, I found my car to be at nearly {$11000.00} negative equity, which means I can't leave Nissan if I want to. Assuming even 200 % the marked interest rate of the loan, over {$3000.00} more would have went to principle making a trade out slightly more possible. I am trapped by Nissan because of their deceit at the dealership and also by Nissan Finance practices themselves.
On XX/XX/XXXX, I received a letter on explanation from XXXX   XXXX XXXX XXXX/ aka XXXX XXXX XXXX. 

This agency stated they assigned the servicing of my loan to XXXX XXXX   XXXX XXXX.As I've mentioned on several occasions, I wasn't notified of the transfer. By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, within the fifteen day time frame. 

I was under wage wager in XXXX and XXXX in XXXX. The courts wasn't neither. Your bank sent me XXXX statements in from XXXX, yet taxes on the property at XXXX XXXX XXXX XXXX TN XXXX. 

I've pulled all of my court records to learn that someone has created a Federal Identification number using my personal information. My history was being deleted / malipulated with. 

You never mailed me the transfer on XX/XX/XXXX. I just learned of these transferred in XXXX, after filing complaints to CFPB. On XX/XX/XXXX my loan was with XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX  sent me a copy of my XXXX XXXX   XXXX. XXXX interest Statements also includes my home owners insurance with. XXXX and XXXX XXXX. 

When I filed bankruptcy in XXXX, I didn't realize that I was filling against Tennessee XXXX XXXX XXXX. Until XXXX, when I pulled my bankruptcy court records.. 

XXXX XXXX XXXX XXXX doesn't seem to have been aware of XXXX XXXX XXXX. XXXXXXXX XXXX XXXX used the same loan number and three different Federal Identification numbers. I have print out on payment made to them in XXXX towards XXXX. 

I have copies of the claims filed with XXXX. XXXX, water damage, XXXX home was broken into, once I learned I was a victim of identity theft. XX/XX/XXXX. There was never any mention of XXXX XXXX XXXX XXXX. The policy number is XXXX. 

Someone name XXXX XXXX was listed on my property long before XXXX, when the property was forclosed on. The courts have a tax ID number on my resume as I've mentioned. If you need me to mail information, please give me a contract. It's as though you were mailing my information to XXXX  XXXX XXXX XXXX, rather than to me.
This is a formal complaint letter in regards to Capital One Bank, N.A. Whatever action, if any, that your organization chooses to take is entirely up to you. It is certain that whatever punitive action you might take, it will not be satisfactory to me, since I want this corrupt organization to be liquidated and its officers to be incarcerated.

There have been several trangressions on the part of Capital One : unauthorized and unsolicited investigation into my credit history, deliberate tampering with my credit score causing it to be diminished, harassment via predatory marketing activity, possible accessory to identity theft, possible initiation of a credit account for the benefit of a thief using my personal information, and a deliberate refusal to offer legitimate telephone service to persons seeking information and making inquiries. 

I am not, nor ever have been a customer of Capital One. Through an online service called XXXX XXXX, I have discovered that Capital One tampered with my credit history, causing my credit score to go down. I have not attempted to open any credit account or to make a loan through any bank or lender. There is no reason whatsoever for Capital One to be making an investigation into my credit history. 

In just this year alone ( XX/XX/2018), Capital One has used my post office box in an attempt to entice me to open a credit account. Capital One has also engaged in telemarketing to me on my personal phone. On two occasions, I requested of their marketing representatives to remove me from their list of victims they obviously dont intend to leave me alone until I presumably become their customer ( which is clearly not going to happen ). In other words, Capital One wont take No for an answer. 

On XX/XX/XXXX, I called Capital One to inquire as to the possible identity theft and illegitimate account. Because I would not provide my entire social security number, they refused to investigate or cooperate ( after displaying such predatory behavior, what fool would provide them with that information?! ). I should also mention that it took an incredible amount of maneuvering in their automated phone system in order to speak to a live human being if youre not a customer with an account number to provide, youre out of luck. 

Further proof of Capital Ones predatory marketing behavior can be found in light of the fact that they are currently lobbying Congress and the Federal Communications Commission to remove any and all legal barriers so that they ( and others ) can fully indulge in unsolicited Robocalls and message texting. 

Any regulatory, punitive, or disciplinary action you might care to take against Capital One would surely be appreciated, and well-deserved on their part.
Please read complaint XXXX. In it I requested " Please address the specifics in your response to my case '' The website I am directed to does not answer the issue XXXX. Please address the specific issue in your response.