WillisBack/dataset-financial-user-claim huggingface dataset:
The attached letter has been sent to this undefined entity that submitted an inquiry to my credit report, having a negative effect on me personally. My personal information has been compromised and I have taken all necessary steps to protect myself, but nothing is quite perfect in this regard. This particular assault is at once nebulous and dangerous, so it must be addressed. Your help is appreciated. 

XXXX XXXX XXXX
On XX/XX/XXXX, Barclaycard closed all my credit cards I have with them including a recent new card that I just received XXXX worth {$590.00} promotional offer on that was issued XX/XX/XXXX. Barclaycard closed my account right after I got the points and refuse to let me redeem the rewards, a complete switch and bait. I have been with Barclaycard for more than three years since XX/XX/XXXX, and never missed a singlepayment. They claim the reason for disclosure is too many new accounts in the past six months but I only had three accounts opened FIVE months ago. It 's disappointing to see the extremes credit card companies go to save their button line but this is completely unethical.
I have call them multiple times trying to get on lower repayment they say I've exhausted everything I can't even get them forgiven or removed as XXXX XXXX has gone bankrupt I can't use my degree because of that financially I'm struggling hive gone from the possibility of working in a good career to working retail or food service for minimum wage hours are constantly being caught I'm struggling with my own debts and bills and it's tough making ends meet their inflexible I've had to cuss them out to get anywhere I've had to threaten them with lawsuits or things like that I just want some debt relief I don't wan na be having to pay these for the next 8years as im barley getting by.
I want Southwest Credit to Validation that I owe them with proof of signature of a contract signed.I hereby authorized Southwest to release proof of contract with my signature as a validation to consumer protection Bureau.
XX/XX/XXXX Received an Annual Escrow Disclosure Statement stating there was an escrow shortage amount of {$640.00}. The escrow shortage could be paid in full ( {$640.00} ) or paid over 12 months with an additional increase in the monthly payment of {$53.00}. We have chosen to pay over 12 months. When double checking the new amount due on line the payment increase was {$160.00} not the XXXX, a difference of {$100.00}. 
XX/XX/XXXX Spoke to XXXX XXXX at Shell Point. She or her manage were not able to explain the difference. XXXX XXXX of Shell Point initiated a complaint be filed on my behalf. She would not give me a time reference for a response from Shell Point. 
XX/XX/XXXX Next mortgage payment is due in 2 days and unsure of how much to pay, feel as I am being over charged and at their mercy. 

Shell Point mails out mortgage statement on the XXXX of the month for the month they are due. My mortgage is due on the XXXX of the month. Yes I understand their is a grace period, I pay my bill on the due date. 

I have an excellent credit score and have never in all my many many years have had to deal with a mortgage company that is so confusing.
I called Equifax to dispute a collection account on my report that was being reported with no name or contact info for the credit. Equifax gave me the missing info and I filed a dispute as I do not have any outstanding bills with this company ( Credit Bureau Services, XXXX XXXX, CA ). I also called XXXX and they are out of business. The dispute came back that the debt was verified. How could Equifax verify the information if the company is out of business? I want Equifax to delete the erroneous information and stop lying to consumers are bout verifying information when THEY DO NOT!
I have an account on all 3 of my credit reports. The name of the company listed on the reports is XXXX XXXX. I sent 2 dispute letters to each of the 3 credit bureaus asking that they verify the debt. They each stated that they verified or updated the information on my report. I checked my report in XX/XX/XXXX and there were discrepancies on each of the different reports. There were different dates and amounts that they state that I owe. I disputed the information again and I checked the reports again and all 3 still have different information on them. I am attaching the discrepancies that I found on my reports. I would like to file a complaint with all XXXX credit reporting agencies regarding this matter.
In XX/XX/XXXX I sent email in writing to remove PMI and both times it was rejected. So I waited for a few months more. On XX/XX/XXXX I sent a copy of the recent a appraisal we did on the property to proof that the value has increased. PMI department is saying that we can not do just any appraisal. We need to wait till next year and regardless of the value increase. PMI dept also said that the only options are that we either wait till next year XX/XX/XXXX, pay lum sum or proof that we have done any improvements.
I received a letter from Portfolio Recovery Associates, LLC a few months ago about a debt collection that doesn't belong to me. The name on the letter is XXXX XXXX. I have no knowledge of this person, nor this account. I did not receive any notification about disputing this account from this debt collection agency. I received a second letter on today, the letter is dated XX/XX/2018. I have contacted Portfolio Recovery Associates, LLC before about this account.
XXXX XXXX account managed by Synchronic Bank lowered my credit limit from {$700.00} to {$160.00} based on false information and/or someone's very personal decision. Terms and Conditions states that Credit Card account may choose to make annual revision of account to increase limit or provide offers. Terms and Condition don't give mentions of lowering credit limit only because my credit report changes. Usually a big fan of XXXX Credit Card. But you guys really made a mess. Really frustrated. But hoping you can help. Ready to stay to a loyal customer but only if you make it right! Dont want to close my account after all these years. 
My credit report changed for around a month and 3 weeks due to an error made by a company which sent me to collection. This collection has now been deleted from my credit report 7 days ago, and actually my credit score were XXXX until you decided to lower my limit and it went down 22 point due to this action taken by one of your representative. 

I don't believe the system messed up 7 days after my credit score went up and my collection was deleted from my credit file. I'm now taking actions and I'm asking you to re evaluate this action and give me back my original credit limit. 

Please be advice, this isn't the only way I'll be discussion this matter, I'll be sending a goodwill certified letter, I'll be using my State Attorney and the FTC so you can impinge the Terms and Conditions correctly and make it right for the customers.
Back in XXXX I co-signed for my daughter to obtain a student loan for XXXX school. The original loan was for XXXX. Today it was brought to our attention that she still owes XXXX on a XXXX loan that she has been paying off for the past 9 years. I spoke to an agent at Navient and they say the loan will be paid off in XXXX. Now that is 17 years of paying XXXX per month, which she has been doing for thee past 9 years. According to our calculations, we are paying XXXX in interest on a loan that was initially XXXX ' I went round and round with these people and they disgust me the way they are ripping us off. What can be done, if anything, to resolve this matter? Is n't it illegal for a company to charge that much interest? The interest rate on the said loan is 9.25.This means that we will be paying XXXX for borrowing XXXX. The school that she attended was The Ohio XXXX XXXX XXXX XXXX. The original loan was through XXXX XXXX and when they closed Naviant took the loan over.
Wells Fargo bank skimmed {$160.00} off my account by debiting my account for the same check twice. On XX/XX/2018 two debits were made to my account. One was for Check # XXXX in the amount of {$160.00}. The other debit was a " Check '' without a check number and for the same amount. When I called Wells Fargo Bank they were unable to provide me any information about this check and said the check number was read by their system as XXXX. I'm unable to see a copy of this check online or get a copy from the bank. This is yet another example of Wells Fargo Bank continuing to act unethically and still from us. We have had multiple claims against WFB and one of them was for skimming which WFB was forced to compensate us.
I was engaged and asked a XXXX XXXX associate to create a reeds account for me. The account was created successful. The following month I attempted to make a payment over the phone for the account. I was I formed reeds credit cards were no longer in use. It was apparent the accounts were sold. Contributing for two months to span payment cycles, I made payments to the address I was given. For payment, not one of the payments were recieved during the two months of XXXX and XX/XX/XXXX nor was my account located for online pay services to XXXX XXXX throuout the account term. This continued throughout the year and upon the latter of the years credit term, I contined to make payments. For four months I would say. I was given Addresses to make payments to and none of them were successful. I was never returned one of the payments I made to XXXX XXXX upon the completion of the payment considering they sold the account. I was charged late fees and double payments upon payments because of the bank and the confusion. Before the Eventual, arrangments were made, and the payments were never reimbursed or my account loacted. XXXX XXXX sent my account to a third pary and closed the account. This was the second time XXXX XXXX did this to me as a account holder. They sold my account and never reimbersed me for payment for mailed payments, that were sent and not recieved, and eventually took the money before the end of a payment cycle, while recharged late fees, finally closing the account, with no reimbersed payments, and intrest ending my account privlages and account status with XXXX.
Woke up Monday XX/XX/XXXX to find my savings account had been reduced to nil. Two withdrawals of {$1300.00} and {$2300.00} were made at a banking center in XXXX, Fl. I live and operate in XXXX. I have never been to or know anybody from or heard of XXXX. I did not lose my card or give out any information. This should be impossible. Bank of America told me it can take 60+ business days to resolve. That is three months and is unacceptable. It is my emergency fund and prevents me from needing a credit card. I provided every detail BoA asked of me. This is so obviously fraud I can ' understand why they won't credit me the money back while they investigate what happened.
I filed a complaint with CFPB because all the delays Chase has caused preventing me from repairing my home in a timly manner. The most recent complaint was XXXX - Chases entire reply was not true. 

Chase stated XXXX We received inspection results on XXXX XXXX, 2016, showing that repairs had been 75 % completed. Our process is to release a loss draft check within 4 to 5 business days or receiving the inspection results. The loss draft check was issued on XXXX XXXX, 2016, and on XXXX XXXX, 2016, the check was mailed via overnight. This is our normal process for a claim. *** That is NOT TRUE - The inspection was complete and in my file on XXXX XXXX. When I got this reply I contacted Chase to confirm when the inspection was complete on XXXX XXXX I spoke to XXXX on XXXX at Chase and she confirmed the inspection was complete and in my file on XXXX XXXX not XXXX XXXX. This reply from Chase is a LIE! 

The reply stated the check was issued on XXXX XXXX - again a LIE - I am attaching a copy of a the check which was n't written on XXXX XXXX as Chase claimed it was written on XXXX XXXX. 

I am so tired of Chase lying and continuing to delay issuing fund causing delays to get the repairs done on my home. 

This has been going on since XXXX. All the delays have caused more damage, unnecessary stress and Chase continues to cause delays and LIE about it
I was shocked when reviewing my credit report and found late payments on XXXX of my student loans on the date below : 90 days late as of XXXX XXXX I am not sure how this happened, as my loans have been in Forbearance for a long time due to my low amount of income. Each time my loans have come out of Forbearance, I have been diligent about contacting you to put them back in Forbearance. 

These late payments severely damaged my XXXX XXXX and it is not right.
To whom this may concern I, XXXX XXXX XXXX filed with identity theft in the year XXXX between XXXX - XXXX, I also filed a police report during that time when my identity was stolen, When This situation was noticed I imeaditly notified my bank, the bank asked me to take a police department statement for all the fraud that was shown on my bank account monthly statements, they froze my checking account, the investigation lasted for almost 2 months I was really frustrated and scared also to top it off I never gone through this bad situations before and I hope to never go threw this XXXX again, I just want my life back and my life to be peaceful and no harm and my credit to be normal and build my life back to perfect. I dont want to go through life with a bad horrible XXXX credit score and be in debt all mylife
XXXX account # XXXX i open this up XX/XX/XXXX, deliquency have been reporting since then, its reporting on all XXXX bureaus, estimated date of drop off date was XX/XX/XXXX, and they are still reporting. i need this deleted asap
Experian lists erroneous, highly damaging, information regarding XXXX accounts with XXXX XXXX. I made contact with XXXX via telephone to get the account information for farther investigation some months and they do not know it. I then requested online that Experian validate the debt. They did not provide proof the debt is correct in any way. I would like this information immediately expunged from my credit report.
I contacted TransUnion via certified mail regarding a public record that they are inaccurately reporting on my credit profile. In my initial letter that was signed and received by TransUnion on XX/XX/18, I requested verification of the public record. TransUnion responded on XX/XX/18 indicating that the public record had been verified. I replied to their correspondence requesting the procedure for verification as I was concerned that the matter had not been subject to adequate investigation. I explained to TransUnion that I contacted the court indicated on my credit profile and the court denied providing any verification to TransUnion regarding the public record being reported. TransUnion is indicating on my credit profile that the public record was reported by the court while the court is denying they made any verification. I also provided letters to TransUnion confirming security freezes and opt out status from XXXX, XXXX, and XXXX that I was granted due to concerns of inaccurate items on my credit profile. 

It has been more than 30 days since I initially contacted TransUnion regarding this matter and despite requesting information regarding the specific contacts made ( persons TransUnion spoke to or contacted to verify the information they're reporting ) and process for verification of this item, TransUnion continues to refuse to properly verify the information they are reporting. The item has not been listed as disputed and the item has missing information noted in the tradeline. TransUnion is required to provide full and accurate information and provide verification when requested. Despite my ongoing requests, TransUnion continues in their failure to properly investigate and verify this public record.
The bank we are operating with, has giving us checkbooks with an error in the account number. We have made payments with some of those checks and all of them were not cleared for that reason. As a result of such those mispayments XXXX of our cars hase been repossessed and so far the bank has done little to nothing to resolve this situation.
Cap One- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX Cap One- XX/XX/XXXX A computer glitch that was XXXX 's problem - not mine - caused my inquiries ( most were fraudulent and unauthorized ) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one? XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. Im asking CFPB to help my make XXXX stop victimizing me.
I was informed this week that th e Office of the Consumer O mbudsman office has received my file for my short sale complaint wit h Ocwen t hat has been file d  XX/XX/XXXX  and will have a written response  XX/XX/XXXX .      XX/XX/XXXX  I w as sent an conditional short sale approva l by Ocwen an d for some reason everything fell apart. Even whe n Ocwen  had all the papers required by the home owner and a buyer. 11 months later am still being told by Ocwen is waiting on the lender of the loan. This was not the case when my agent  XXXX   XXXX  called Ocwen last month and was informed by an individual in the short sale department that the papers was never forward to the lender instead it was being reviewed by the underwriters of Ocwen.   Ocwen has been sending payments to my home I MUST PAY when I sent Ocwen a hard ship letter informing them I have fell on hard times and do not have the money required to keep the home.   Recently I have been getting multiple Notice o f Default and Election  to sell under deed of trust stating " you must pay all amounts in default at the time payments is made to stop the foreclosure '' I have attached the documents as stated in this statement for your eyes only.   The home has been vandalized and just to get it up in living conditions am looking at over  20  thousand in repairs, little over  9, 000 dol lars in late payments and behind on property taxes. All this Ocwen knows but they put the blame on the Lender when they have admitted they never passed on the documents to the  Lender.    Please help this is now the 11 month going on a year. Also am being informed by  XXXX   XXXX  that Ocwe n  is reporting me to the credit bureau 3 times a month for not paying the mortgage when I have been trying to get this short sale to go through.
On XX/XX/2018, I submitted a payment in the amount of {$500.00} via my Suntrust bank A/C # XXXX Bill Pay. I realized two days later that the payment I submitted was incorrectly submitted to a closed account. I have immediately contacted Suntrust but I was told that they can not do anything since payment already gone through and I should contact the payee. I have contacted XXXX XXXX XXXX XXXX. XXXX told me that since I do not owe any money to them they are sending the money back to my bank. However, I have to seen any transaction on my account. I called Suntrust again and I was told to contact their Fraud/dispute department. Dispute Department told me to complete a form and fax it back to them. I have faxed the signed completed form on XX/XX/2018. 
to days later i received automated later saying my case was closed due to duplicate request. I have experience such foolishness. If the request is duplicate, there should be one and other should be rejected. Any way Suntrust Bank closed both of my cases. 
I called Suntrust Bank again today, and asked them to continue one case that has the required documentations. The dispute resolution person told me that I have to start all over since they closed the cases. I explained to her, Neither I closed the cases nor I have ever requested to close the cases. It is your mistake and you have to reopen it. The challenge to send them repeated documentation is that, only they can email me documents I can not send them any document due to their lousy " Security Reasons '' not can I upload to Suntrust 's so called secured Message service. 
I called XXXX XXXX XXXX, whom I mistakenly paid {$500.00}. XXXX told me that they processed my refund on XX/XX/2018 but suntrust does not have any clue. So, I need your help to retrieve my money from Suntrust and make Suntrust train their employee to understand the banking process so that their poorly trained employees do not cause such harassment to consumers. 
I am also attaching a copy of the document I faxed tro suntrust. 

Thank You very much. 

XXXX XXXX XXXX
On XXXX XXXX, 2011, shortly after I had opened my home mortgage loan with Wells Fargo Home Mortgage ( WFHM ), I received a letter from WFHM ( enclosed ) indicating that the Department of Housing and Urban Development was unable to issue the required lender 's mortgage insurance on my mortgage loan and that I may be entitled to a modification of my note. I was concerned about the information in this letter and I contacted WFHM to follow up on the letter. They referred me to another office at Wells Fargo Home Mortgage ( WFHM ) that created a modification for my note that raised my interest rate from 3.0 % to 3.85 %. 
I feel that the letter was deceptive and the result of unfair practices using the Department of Housing and Urban Development and the home mortgage crisis at the time. I felt that I was tricked into a new loan with a higher interest rate by the bank 's deceptive practices.
I checked my information
on equifax2017security.com and get the following message : Based on the information provided, we believe that your personal information may have been impacted by this incident. Click the button below to continue your enrollment in XXXX XXXX.
A fraud account was paid off that went into collections. The creditor is XXXXXXXX XXXX XXXXXXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.