WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/XXXX I received a denial letter from XXXX XXXX dated XX/XX/XXXX ( Being sent herewith ) which stated in relative part " ... Your credit card request was carefully considered, however, based on information in your credit report, we are unable to approve your application at this time for the following reasons : " inquiries did adversely affect the score Consumer associated with too many phone changes Not enough bankcard debt experience Not enough debt experience. '' The letter further stated that : " Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. '' The consumer agency listed was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Your credit score as of XX/XX/XXXX : XXXX The information reported to XXXX XXXX by XXXX XXXX XXXX is inaccurate. My credit profile with XXXX, XXXX, and XXXX  does not reflect " any '' of the information alleged by XXXX XXXX XXXX. In fact, I have an XXXX XXXX Platinum Card for the past 41 years and my Credit Score is well in the " Very Good '' range and my mix of credit cards and loans etc. are considered to be " Excellent '' by all three of the aforementioned Credit Bureaus.
DIVREC SRVC ( Original Creditor : 09 XXXX XXXX ) XXXXUnfair XXXX    XXXXUnfair XXXX XXXX XXXXUnfair XXXX XXXX XXXX   XXXXUnfair The following accounts were disputed directly with the credit bureau and is not reporting accurate information.

I have not gotten any verification of ANY of the above debt.
I received, unsolicited an " upgrade '' to my credit card account issued by Elan   ( Visa card ).
Sticker on the front of the card said it can not be used without first being activated by   calling  XXXX . I called. This is not a card activation, but an automated promotional number offering a seemingly endless series of promotions. "  Press one  to accept, press pound to decline. '' After pressing pound, a different offer is given. After pressing pound again, another offer, and so on. Offers were for  XXXX ,  XXXX   XXXX  and other similar companies. I tolerated this for about four minutes and then dialed the " 24-hour cardmember service '' number of  XXXX . After navigating the menu I reached a rep who activated the card. I complained about my experience and she said she would " pass it along. '' After the call I tried participating in an automated survey that was offered, but each time I pressed " very dissatisfied, '' the response was " the data is incorrect '' or some similar statement.
I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report not belonging to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX NOT MINE which are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX XXXX that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against Transunion for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via XXXX or evidence of my mailing address XXXX, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address. accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
Consent to publish the description of what happened? Consent provided
A XXXX in line debt collector has categorized an installment loan ( originated as Exhibit B -- Unsecured Promissory Note on the last day of closing a XXXX XXXX XXXX ( XXXX ) short sale of real property, XXXX XXXX XXXX, XXXX XXXX CA XXXX, XX/XX/XXXX -- and that exhibit may really not have signatures nor been notarized at that time ) as a current XX/XX/XXXX late pay mortgage on my credit reports. This has caused me to not receive approval for completing a mortgage loan-XXXX and XXXX XXXX, and caused denial for me to rent another home -- due to 'adverse impact ' on my credit check by XXXX XXXX XXXX XXXX in the attempt to rent. I have consulted with an attorney, last week XXXX. I know the debt is old -- however offered an amount, that I was originally told in XX/XX/XXXX, that would be the amount wanted by XXXX -- to this debt collector -- Real Time Resolutions ( RTR ) -- which is really a 'strong-arm enforcer ' of XXXX -- I think. On prior credit reports, the XXXX XXXX debt collector -- XXXX XXXX XXXX, - listed this debt correctly -- as an Installment Loan. Now RTR calls it a 'current late pay mortgage loan. ' I hope these XXXX credit bureaus -- -which I have filed disputes with in XXXX and XX/XX/XXXX -- will correct the category of this debt on their reports. They ( XXXX and XXXX ) denied my disputes and basically have said -- whatever RTR said is the truth -- and that I am the bad, bad person. I want resolution and corrections -- and to be able to move forward with my life. I have docs to attach.
I disputed this debt. First I got XXXX phone calls after I told them not to call me again the first time. I then received a letter saying that I had 30 days to dispute the debt and if I did not it would hit my credit if not paid. I sent XXXX letters, XXXX regular mail, XXXX certified on XXXX XXXX, well before the 30 day deadline. I noticed today that 4 days ago they hit my credit. I called today, the XXXX of XXXX, to inform them that I will be filing this complaint as well as taking legal action against them.
I was an account holder at Suntrust when I applied for a secured credit card in hopes of improving my credit. I was turned down. About a year later I was completing a transaction inside the lobby with a teller when she informed me " XXXX XXXX, it says here that you are pre-approved for our secured credit card ''. I was very surprised since I was turned down a year ago. I expressed my doubts to her and to another associate who had joined in the conversation. They both said that I was pre-approved and that it would only take a couple minutes to reply. Against my better judgement I allowed them to submit the applic. Well, sure enough I received the rejection letter XXXX days later. I feel that Suntrust lied to me, betrayed me, and mislead me. So instead of helping me improve my credit, they have probably made things worse for me. I filed my complaint with Suntrust and was assured that someone would get back to me. No one did. I called a XXXX time about XXXX weeks later and was given a case # and was assured that someone would get back to me. No one did. I called a third time and the CSR was not interested in my case # and insisted that I provide her all sorts of personal info despite the fact that I no longer have an account with Suntrust. It is quite apparent that Suntrust has no intention of discussing the matter with me.
I never authorized ( authorization ) viewing of credit ( inquries ) also No inquries are associated with an open account I authorized ; ( Identity Theft Victim / Equifax Data Breach ) ... 

Inquiry details : XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX, XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX, XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX-XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Credit Unions
Victim of robot-sighning, OCWEN mortgage co, 10 year old loan. 
Title work at XXXX XXXX XXXX XXXX does not list us as owners mor OWCEN as mortgage co
We had a house fire in XX/XX/2018. We received our insurance check promptly, endorced the check and sent all requested paperwork to our mortgage company ( Flagstar ) immediately upon receipt. To date we have yet to be issued any money from our insurance check. We have been told they will issue it, then another excuse comes up that it hasn't been issued. When we call back to find out what the issue is, we are told there is no issue and they will send the check, which as yet to occur. The last instance ( today ) I was told for the second time they want a copy of the contractor 's license ( not initially requested by them ) and when I call in, I'm told that the state of Pennsylvania doesn't require that. It has been two months without any money, which means no repairs can be paid for, no heat in my house ( in the middle of winter ), and a mortgage company that seems to be holding onto my insurance money and giving us every non-valid excuse in the book to hold onto the money.
Received a {$50.00} check drawn on Key Bank ( routing # XXXX ) which I presented for payment XXXX XXXX, 2016 in their XXXX, OR branch. They refused to honor/cash the check unless I paid a {$5.00} fee. Is this legal? 
I deposited the check into my financial institution.
I previously sent an inquiry to the credit bureaus to have debt collections removed from my file and it is still on my credit report ... .these debts was obtain without my permission and I have filed an identity theft report ... ..please remove from my file
On XX/XX/XXXX I opened an account with XXXX. The Account was closed on XX/XX/XXXX. I got a derogatory remark on my XXXX credit report, Stating that this account got sent to collections. However I wasnt never notified about this debt and never received the bill. I would like to address this Immediately and either pay off the debt or get this negative remark removed from my report.
XX/XX/XXXX I learned from the Equifax website that my personal information which includes social security number, date of birth, address, credit info and possibly drivers license, was compromised. 

I was instructed to log back on the website XX/XX/XXXX to enroll in their free credit monitoring service. Really?!? 
This is absolutely unacceptable! 
I in no way trust this company and the fact that 3 Equifax executives sold stock with this knowledge prior to release to the public is illegal!!! 

Equifax should be financially held responsible for this breach! 
The fact that sensitive personal information was obtained by hackers is beyond unacceptable!!! '
Transunion is reporting that I filed a bankruptcy on XX/XX/XXXX for {$0.00}. I sent a dispute letter directly to Transunion that I had not filed a bankruptcy for {$0.00} and the information they are reporting is wrong. I also sent a letter directly to the bankruptcy clerk to ask if they verify any information with the credit bureaus. The bankruptcy clerk stated they do not verify any information with credit bureaus. After TransUnion investigated, they stated the information was reporting correctly and would remain on my credit report until XX/XX/XXXX. I would have no need to file a bankruptcy for {$0.00} that makes absolutely no sense. TransUnion also would not provide the name of the company that they verified my bankruptcy with so I have the opportunity to dispute directly with that company. This is a direct violation of the FCRA and these credit bureaus are allowed to continue these illegal practices and tactics.
These people try to charge me a debt for a service that was not given to me, I spoke with the XXXX Hospital and they agreed to regulate the prices of those bills, but they even placed me with a collection company and do not want to admit that this procedure is wrong, since only by removing the XXXX of a XXXX they are charging me XXXX
I opened a loan with  XXXX  in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.
N  avient has not placed my loan on Forebarence as part of the Defense to Reoayment program. Navient has b een sent the documentation twice by the Department of Education since   XXXX   XXXX    . Navient is unwilling to discuss issue as their employees are not educated in handling the  Defense to Reoayment claims, often asking multiple times if I 'm asking for a forevarence request as if   pushing me to take a forebarence.
On XX/XX/XXXX I mailed a correspondence to XXXX XXXX XXXX due to the fact that XXXX XXXX XXXX was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by XXXX XXXX XXXX on XX/XX/XXXX per USPS tracking number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of XXXX XXXX XXXX XXXX per the return receipt received by me ( XXXX XXXX ). The reason for this correspondence was to have XXXXXXXX XXXX XXXXXXXX cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to XXXXXXXX XXXX XXXX for a response ; it is well past 30 days with no response from XXXX XXXX XXXX. I have attached a copy of this correspondence in this complaint to ensure that it is on record that XXXX XXXX XXXX did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was still being reported as  of XX/XX/XXXX well after receiving my correspondence, so XXXX XXXX XXXX apparently has decided to ignore my correspondence but continue to report false information on my credit file. If XXXX XXXX XXXX continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.
On XXXX XXXX I posted a cheque for a XXXX Card in the amount of XXXX XXXX Dollars in the mail box at XXXX XXXX XXXX in XXXX N.Y ( cheque # XXXX ). On XX/XX/XXXX, I discovered an unauthorized withdrawal from my account in the amount of {$9800.00}. I contacted my bank, XXXX and they said " The cheque # XXXX in the amount of XXXX was deposited in The Bank of America. The cheque # XXXX was altered and was payable to one XXXX XXXX for a car purchase. It is three months now and XXXX can not recover my money. I would like to know how Bank of America can cash a forged cheque. I want my money back. 
I already sent you a complaint about XXXX. I need to know from Bank of America when I will get my money back. 
Why cant XXXX XXXX  and Bank of America N.A settle their dispute and refund me my money.
SN Servicing Corporation provides mortgage servicing on a loan I took out in XX/XX/XXXX. The loan was to be interest only for the first 120 payments and then fully amortized after that. The amortized payments were to begin with the XX/XX/XXXX payment. However, SN Servicing failed to determine the new payment amount and showed a interest only payment due in XX/XX/XXXX. On XX/XX/XXXX, I called SN Servicing to see why they had not adjusted the billing amount for the fully amortized payment. XXXX XXXX, the service representative, stated that she would have applicable department determine the payment amount and she 'd call me back that day. After receiving no phone calls, I again called on XX/XX/XXXX, this time XXXX said she just got the information required and the new payment amount would be forthcoming. I finally received an email from XXXX on XX/XX/XXXX with the new monthly payment amount of {$420.00}. She also included the amount due of {$260.00} for XX/XX/XXXX since I had already paid the {$150.00} that was shown on the billing statement SN Servicing had provided previously. The next day I logged into my account with SN Servicing and made an ACH payment of the {$260.00} that was due. The payment posted that day along with a late charge of {$21.00}. It 's unbelievable that this company can fail to accomplish their contractual obligations, fail to provide information in a timely manner as they had promised, and then charge me a late fee.
I received an advance payment of {$5000.00} from my flood insurance carrier-Allstate. It was made out to me, XXXX Bank, and Compass bank. My primary mortgage is with XXXX bank and I have a equity line of credit with Compass ( that has a XXXX balance ). XXXX endorsed the check immediately-no problem. Compass Bank, however, refuses to endorse it unless they receive a copy of the insurance adjuster report and an estimate from a contractor. I explained the {$5000.00} advance is to help with immediate needs and to help me get started on the rebuilding process. This explanation fell on deaf ears. They cited their policy and have refused to endorse the check. As of this writing I 've had the check in hand for over a week. At this point it is a worthless piece of paper. I 'm grateful I do n't need the funds immediately but others in this same situation are desperate for money. We, flood victims, are being victimized all over again.
My mother passed away on XXXX/XXXX/11 and resided in her home in XXXX NC. I have been paying the mortgage through Seterus Inc and petitioning the bank to transfer the loan in my name as the legal heir. The bank wants me to have a court document for this financial transaction. I have retained XXXX different attorneys who states that NC law allows realty to be transfer to heirs without legal proceedings and now the statue of limitations has expired for any required court documents.. I also sent Seterus Inc. a special warranty deed demonstrating my financial relationship to the property and home obtained from the attorney. I am financially able to retain the home and would like assistance with a loan modification for assuming the loan..
I mistakenly received a letter dated XX/XX/2017 with a case number XXXX attempting to collect an unknown debt for the amount of {$7300.00}. They have threatened legal action by the United States of America ( USA ) citing an unknown case number and they are harassing me and my family for information.
I have a loan through Navient ( formerly XXXX XXXX ) and it has become one payment behind. I understand that they need to try and collect their payment, but they call XXXX times a day, and at all times of the day ( from XXXX to XXXX pm central standard time ). The loan was for XXXX XXXX XXXX in XXXX MO. The number that appears when they call me is XXXX. They never leave a voicemail, and the only reason that I know who they are is because I had to google the phone number to find out who was harassing me.
After reviewing my credit, I noticed a collection item listed on XXXX. This item was listed by I.Q. International ; 2 amounts were listed the original debt {$190.00} and another amount {$290.00}. I called I.Q. international XX/XX/18 to inquire on what the item was the Customer service agent said I owed {$310.00}, I then asked why the difference she said interest accrues daily and if I didn't pay {$310.00} the amount would be more. She also stated that I signed a contract with XXXX the rental bond company, and the documents I signed states that fees would be incurred if debt wasn't paid. I refused to pay the amount and ended the call. 
I then called XXXX inquiring on the debt, which they claimed was unpaid utilities. This does not make sense since the property rented was in XXXX XXXX FL and utilities were in my name, or billed through the monthly payment. According to the original creditor XXXX this item was for utilities after I moved out of the property. 
XXXX customer service did let me know that I did not sign any documents which claimed fees over and beyond my debt would be collected. 
My complaint is that I.Q. Data international is billing additional fees over and beyond a debt I owe. Agents are making false statements in regards to documents I signed. Agent also stated FL law states that the company can collect fees in addition to what I owe. 
I.Q. Data international XXXX
This company has been calling repeatedly to my family members and friends providing my personal information as well as leaving voicemails with personal information. The most recent was today XX/XX/2018 they called a friend of mines and left a long message with my full name, the amount i owed {$1100.00} 3 payment options of paying at XXXX % XXXX % or XXXX  monthly payments of around {$84.00}. They also included a website and provided a account number to pull up a account with my personal information ( address and more ) anyone can look up my information and it has been left on voicemails of friends and family. They call multiple times a day with threatened messages as well uas recordings, give me deadlines to pay usually by the end of day or further actions will be done and call out side of business hours. This company has been harassing me for months and seems to get worse i have the latest voice mail they sent me.
My mortgage account has been deleted from Equifax credit reporting file as of today XXXX XXXX, XXXX XXXX XXXX informed me that Equifax showed that they had deleted my mortgage account which caused my credit score to decrease by XXXX points. I, then paid {$15.00} to Equifax to get a report so that I would have their file number just to talk with someone about the deleted mortgage account. Equifax representative as of today, XXXX XXXX, 2016 advised me that I had to get this error corrected although I have a mortgage account which is current as of XXXX XXXX, 2016. He confirmed that the mortgage account had been deleted because the account had not been updated since it was last reported. He advised me that the mortgage company must resubmitted the information to them. I called the mortgage company. Does Equifax has the right to delete a furnisher information on a consumer without confirming the information with the furnisher? My mortgage account is open and has been current for years.