WillisBack/dataset-financial-user-claim huggingface dataset:
In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both Equifax and  XXXX . I was able to research a bit more using   XXXX     XXXX  and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XX/XX/XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch with  XXXX ,  Dept of Education, a nd NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency.  XXXX  reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports  XXXX  as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.
I have disputed the late payment status reported on the account XXXX XXXX XXXX   XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. Worst, they even reported it as duplicate account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im trying to get a credit card.
I am a victim of identity theft. I am writing to request that Experian block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
On XXXX/XXXX/XXXX I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company equifax removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.
I have a inquiry from XXXX XXXX that was not authorized from me. I have cell service with XXXX  and always had. I have contacted XXXX and they stated they would remove it. It has been over 2 months since I spoke with them and the inquiry still remains. I also contacted the Equifax and no help there. Please advise on what can be done to get this inquiry removed.
I am a XXXX, which allows me a certain amount of forgiveness if I make 10 years worth of payments on time. In order to make this happen, I was told via phone conversation that I can not refinance my loans because that makes them ineligible to be forgiven. My loans, however, are currently untenable. I make a little over XXXX dollars a month and I pay XXXX dollars in loans monthly. The vast majority of these loans are from Navient. Currently, I 'm taking XXXX courses, so I do n't have to make payments right now. I am making XXXX dollars worth of payment on my navient loans to try to decrease them as much as possible. I would like to feel like a productive and successful member of society. I felt like I did things the " right way. '' I went to school, college, got a job ... I just ca n't help but feel this XXXX that I am never going to get out from under this massive beast of a student loan. Navient 's interests rates are absolutely ridiculous. I want to be a productive member of society that 's able to contribute to the economy, but I find myself struggling to keep my head above water.
I recently received a MasterCard in the mail from XXXX XXXX Bank. The card was issued through the XXXX XXXX XXXX XXXX XXXX XXXX. While renewing my XXXX XXXX XXXX membership, I was asked if I wanted a XXXX  XXXX  MasterCard. My response was NO. I was asked if I was sure that I didn't want a XXXX XXXX MasterCard. My response was YES I'm sure I don't want a credit card. The customer care representative never said anything else to me about the XXXX XXXX MasterCard while she was processing my renewal. 

Approximately 1 week later, I received a XXXX XXXX  Bank MasterCard in the mail. I called XXXX 's customer care number and was told that I had to talk to someone locally at the store. I tried calling the XXXX 's and was never able to speak with anyone on the phone. I went into the store to speak with a manager on XX/XX/2018 around XXXX. The manager first told me to call customer service. I informed her that they told me to talk to someone locally at the store. She smiled and said ; Oh, she just hit the yes button by mistake. I told her that the associate never told me that she mistakenly hit the yes button and that I didnt think it was funny or comical. 

I told her that it is illegal for them to run my credit without my permission and issue credit debt in my name. For all they know, I could have been in the process of trying to obtain a home loan, car loan, home refinance loan, etc. and having a new inquiry and/or new debt could have caused me not to get my loan. She acted as if it were nothing and a very small thing. She told me she was just the shift supervisor and that I had to file my complaint with the general manager XXXX XXXX who is on vacation. I have tried reaching out to the XXXX 's several times to speak with XXXX XXXX and have not been able to get through. I also attempted to contact someone at the corporate office and was unable to locate any working contact information. 

My credit is good, and thankfully, them pulling my credit and offering me more debt did not gravely affect me. However, they really could have put me in a bad position and cost me a lot. They are giving their employees rewards for opening up new credit accounts and their employees are committing fraud on XXXX behave to get them. This is not right and unfair to the unsuspecting customers.
I contacted Florida XXXX and XXXX XXXX XXXX XXXX about my federal loan. They are refusing to apply the amount I qualified for in Fall of XXXX. They are claiming there are timelines. This is not true. I contacted fasa and they said it is up to the school. Furthermore, I was told my financial aid was incomplete by the university. I never received any correspondence stating this. 
I and, my mother contacted the University 's financial aid office several times, and was told everything was fine and, my award would automatically be applied to my.
During the refi process with Wells Fargo an apprasial was ordered. Unfortunately in the end we had decided not to refi with Wells Fargo becuase a better rate was found at XXXX XXXX XXXX XXXX. In order to not pay another {$650.00} in appraisal fees we requested Wells Fargo release the apprasial and the appraiser to XXXX. Wells Fargo response is we do not release appraisals/appraiser 's. I do n't understand this practice and costs the Wells FArgo nothing to release the apprasial/apprasial.

I do indeed have a copy but XXXX claims the appraiser needs to be released in the case they have additional questions.
The loan originated XX/XX/XXXX with a principal of {$140000.00}. In XX/XX/XXXX the XXXX of XXXX loan modifications was granted by the lender. The pre-modification unpaid principal was {$140000.00}. The newly calculated unpaid principal became {$160000.00}. In XXXX XXXX the XXXX loan modification was granted by the lender. The pre-modification unpaid principal was {$XXXX}. The newly calculated unpaid principal became {$180000.00}. The bank has been contacted on multiple dates and included conversations with a variety of representatives from different departments. How can a loan origination increase by 28 % or {$39000.00} ( {$180000.00} - {$140000.00} )? Does a consumer have the legal right to understand loan calculations prior to approval? Is the practice of mortgage principal increases common with loan modifications? Is it legal? Or just unethical? What are the options for an equitable solution? The task of receiving answers to these and many other questions have been unsuccessful.
On XX/XX/XXXX, I spent the afternoon managing my fairly new checking account with First Tech FCU. This included depositing checks through mobile app, attaching other financial products through ACH such as XXXX, etc. While at dinner that night, I got an email from an address called XXXX that read : " Due to deposit and/or withdrawal activity that has been deemed suspicious or fraudulent, your account ( s ) and all access including, but not limited to : online banking, shared branching, ATM/Debit card, P2P, etc. have been suspended. At this time your account activity is being reviewed by the Fraud Management department and account access will not be re-established. 

The final determination on your account ( s ) will be communicated, via letter, at the conclusion of our investigation which can take up to sixty ( 60 ) days to complete. Do not contact the Call Center or attempt to reach First Tech by other means, as no updates will be provided until the conclusion of our investigation. Please keep in mind that if there is any activity that results in a negative balance, your account ( s ) would be forwarded to our Collections department in XXXX XXXX XXXXt for further follow up. 

Please do not reply to this message. Replies to this message are routed to an unmonitored mailbox and/or deemed undeliverable. 

Fraud Management First Tech Federal Credit Union '' It has been three weeks, and I've contacted the Credit Union multiple times with zero answers just as the email has said. My direct deposit won't go into that account anymore. My credit cards and rent can not be paid using that checking account anymore. 

It is absurd that First Tech does not allow their Fraud Management department to be reached by consumers, as nearly every other financial institution will call you immediately to discuss anything suspicious or fraudulent in a heartbeat and resolve the situation fast. This policy is very anti-consumer, and can lead to financial disasters like what I'm experiencing now. While I have a little bit of money in another checking account with a different institution, the majority of my money is in First Tech. They are holding my money hostage with zero explanation and I need it to pay my bills and live my life!
outdated information on my credit report.Child support case is over 8 years old should only have been on report for 7 years. Equifax argues that it is not a negative so it can stay for 10 years.I argue that it is a negative, it is lowering my score and in fact it shows as negative strike in my credit report.So i feel that it is def. a negative report even though it has a XXXX balance and should be removed immediately.
I disputed a bankruptcy dismissed on my credit reports ( Equifax, XXXX, XXXX ) starting on XXXX XXXX 2016 and they all have reported it as verified. I provided them with documentation showing that the bankruptcy court does not report to the credit bureaus and requests under the FCRA sec 609 for there validation procedures and FCRA sec 15 as my disputing the validity of the account. Equifax and XXXX are reporting them as valid and XXXX is refusing to reinvestigate stating that unless I provide them with more evidence they are not going to reinvestigate. I have not been provided with any documentation stating that this debt is mine or with my signature I need this removed immediately so that I can refinance my home loan. they have no way of providing proof of this account and just looking up a case ( docket ) number is not validation that this belongs to me, I have signed certified mail receipts from all XXXX credit bureaus and reports stating that they verified this but no proof that this debt is mine. Please help me to get these removed. they also did not mark my account as disputed within the 30 day time frame which is a violation of the law if it is not marked as disputed then they have to remove it. I have talked to all XXXX agencies on the phone and have been hung up on by the out of country reps ( XXXX, XXXX ) and also the American reps in Nevada especially when I ask for an American Supervisor which I feel is very unprofessional. This account is not associated with any of my personal accounts and has no money attached to it, please help me get these removed off of my credit reports. Thanking you in advance for your support. 

XXXX MD XXXX SS # XXXX PH. XXXX
Santande r USA is reporting  on my  XXXX  credit report that in  XXXX , the payment was 30 days late. Account has never been paid late.   XXXX    &   XXXX  have it reported accurately that there were no late payments.
I have been trying to submit my modification package on my home because my interest rate is changing this month since XXXX XXXX BUT Ditech will not give me a valid fax number, I have spoken to several representatives that give me the following fax numbers of XXXX, XXXX, and XXXX BUT when I fax the information the fax machine returns a " unsuccessful fax transmission '' every single time and with all the fax numbers provided. When I tell the customer service representatives that I already have those numbers and that they 're not going through they state that they ca n't help me. I need urgent help in modifying my loan otherwise I will be forced to be foreclosed on IF they insist on not helping me and if my interest rate keeps on increasing.
Wells Fargo Bank Had an average of overdrafts and insufficient funds on my bank account of a least 12 times during a twelve months year from XX/XX/XXXX to XX/XX/XXXX Attached please find the ironic steps this bank recommended me to take when they were the fraudsters. Would the bank reimburse all financial damages they caused me? 
Would I get money back from the XXXX lawsuit?
My husband obtained a loan from US BANK for a XXXX Ford Fiesta. My husband died in XXXX 2011 and I have been making the monthly payments since. On XXXX XXXX of this year I talked to US Bank, got the pay-off amount, and gave them my bank info. They deducted the pay-off amount from my account. They told me I would get the lien release in several days. When it did n't come, I called ( about XXXX XXXX ). They offered no explanation for the delay but said it should be coming. I verified the mailing address. I contacted them again mid last week and was promised a call back within a couple days. No one has contacted me. I need the lien release in order to buy my tabs which are severely past due. The bank does not dispute at all that the loan is paid off ; yet it seems they are not sending the lien release! They offer no date that I should be getting it, nor any explanation of why it should take so long. I 'm at my wits end. My health is not that great and I sure would appreciate it if you can get them to send the lien release because I ca n't deal with this. I honestly do n't know what to do otherwise. Thank you.
My fiancee and i were the victims of a scam. The gentleman contacted my fiancee from  XXXX . he was going to employ her to watch his daughter. He was sending us a check to get things for his daughter to play with, along with other items. he claimed he was  XXXX  and just moving into our area from somewhere. He sent a check, and we were unable to deposit it for the first day due to banking hours. He demanded we go to the bank deposit the check and give him his money. We then told him we did not want to watch his daughter anymore because of long hours at our current job. I was scared for our lives not knowing what he was capable of. i complied to his demands and deposited the check for  XXXX  into my bank account. Following that he demanded his money so i sent this money via   XXXX   XXXX   from a  XXXX . i sent the   XXXX   XXXX   in two separate transactions each for  XXXX . For a total of  XXXX . I was not aware that this was a scam, and when i caught on it was too late. I called the bank after going to the police, and they said they could not do anything to tell me if the check was fake. The bank asked if i made the transaction via   XXXX   XXXX  . My bank account the next day was in the negatives and he still demanded the other  XXXX  back of his money. I called the bank multiple times and they said there was nothing they could do. He has been calling from numerous numbers saying my name and his supposed name. i need my money back i have bills to pay. That was a lot of money taken out of my account, and the bank is blaming me for it. This is not my fault and i am the victim here. I need my money back.
I checked my personal credit report and I found that there were things on my credit that do not belong to me. So i submitted dispute request and nothing has been done yet. I would like this information to be removed from my credit
I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this.

XXXX XXXX  XXXX   CARD XX/XX/XXXX {$5300.00} XXXX XX/XX/2006 {$620.00} XXXX XXXX XXXXXX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX{$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00}
I bank with Wells Fargo, and there were charges made to my account which I did not authorize. I initiated a claim ( claim number XXXX. ) The bank reversed the unauthorized charges, and I gave them a copy of my identity theft report filed with my local police department. I believe that I knew the individual who was using my card and information, I believed it to be my Ex Fiancee. 

The claim was handled, and the money was returned to me. Upon further investigation of my account, I found more charges that I had to dispute. Wells Fargo Claims Assistance Center added these newly found charges to the same claim number ( # XXXX ). I never received the money back from these fraudulent charges. 

I was contacted by Wells Fargo High Dollar claim department, and was asked questions about when/where I had my debit card and informed them that it was on me at all times, but that these charges were made through merchants that had my debit card information saved on file, such as XXXX and other merchants. I was told that I would have the rest of my money returned to me the same day as long as they could get upper management approval. 

Two days later with no money returned, I called the bank and asked them to read the investigation notes to me. According to the notes, that bank was not going to issue my money back because I had my debit card in my wallet at all times, despite the charges being made with the card NOT present, nor swiped. The notes continued to say that I was liable for all charges because I likely knew the person using my card information, even though I never gave them permission to use it and it was true fraud. 

Wells Fargo never refunded the fraudulent charges made to my account, and also reversed {$3600.00} and {$570.00} from claim number XXXX. 

My account is negative, and this has impacted my life immensely. My account is plagued by overdraft charges from automatic payments and the bank has still not refunded my money from these fraudulent transactions.
I have disputed the late payments on this XXXX XXXX XXXXXXXXXXXXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I keep receiving calls from this number morning, noon and night, sometimes after midnight. They never leave a message just repeated continous calls. 
This has been going on for almost 2 years now. 
I blocked the number but the calls goes straight to my voice mail.
For almost two years I have been a member with XXXX XXXX dba XXXX. I was funded my first loan on XX/XX/XXXX and it was paid back in full, on time, on XX/XX/XXXX. Since then I have never missed a payment. But when I look at a recent credit report, with but not limited to, XXXX, EXPERIAN, and XXXX, under my social security number, it shows the opposite. 
Reports show incorrect/missing info. More specifically, incorrect balance, incorrect account status, incorrect payment status, incorrect remarks, incorrect worst payment status, incorrect closed date, and incorrect payment history. 
I have documents proving that my account was paid and is up to date. I have an email from XXXX, thanking me for such payment. I have also faxed in these documents to the credit bureaus including but not limited to, XXXX, EXPERIAN, and XXXX on or around XX/XX/XXXX. Because when I spoke with an agent at XXXX at the beginning of XX/XX/XXXX, they said that the account gets reported to the credit bureaus in the middle of the month, and no change was made to my reports. 
My latest reports came in where XXXX just removed my XXXX account all together, and XXXX  and EXPERIAN just lowered my amount owed to {$280.00}. 
These improper procedures are highly damaging my credit scores and they need to be updated immediately.
I came to the Bank of America branch to cash the check that was Bank of America check. In order to cash the check I was told need to open account. I di n't want to set up it because BofA has only couple branches in the large XXXX XXXX, and its not convenient for me. Later I got a Statement with monthly service fee. I thought Bank will see that account was not funded and was not used, and will close it. Instead, Bank took advantage to charge another monthly service fee for the service that I did n't use. Recently I call to BofA customer service to request to reverse the " service '' fee and close account. Lady on the phone refused to give me her full name, as well as employee ID or any confirmation number. I know only her first name : XXXX. She said that I overdrawn account and need to pay. I told her I did n't spend any single penny from this account, its your Bank overdrawn my account by charging service fee for the service that I did n't use. I did n't use this account, I did n't use debit card, I did n't use Online banking, I did n't use anything. What kind of service do I have to pay if I did n't use anything? When I asked to talk to a manager or supervisor she decline my request too. It does n't look a good customer service, and it makes me very upset and makes me to file this complaint in hope you would able to help me, and to inform other people.
I co-signed on one of my daughters student loans and this loan is up to date. However, she has three more loans in her name only that are starting to get behind. Since XX/XX/2018, they have called me 16 times but will not leave a message. They have called 11 times from XXXX XXXX XXXX XXXX, ( XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 5 times from XXXX XXXX XXXX XXXX, XXXX ( XXXX ) so far. My daughter has sent them a certified letter asking that they not to contact her family members, job or her neighbors ( they have her telephone number ).
They have XXXX collections that were dismissed with extreme prejudice from the courts and they have not removed it from my report. They continue to verify to the bureaus and have damaged my credit. If the collections were dismissed with extreme prejudice then they should not be on my report with any of the as it was not any fault of mine that they were even put on the report.
I was a victim of identity theft and noticed a collection from NCAC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCAC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you