WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX ( aka Bayview Loan Servicing ) has inaccurately reported to the credit agencies on a Real Estate Loan Account. It is inaccurate in 2 parts of the report. 
1. Bayview has been incorrectly reporting 120 days late from XXXX XXXX XXXX XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the last date to report as 120 days late to be XXXX XXXX. 
2. Bayview has been incorrectly reporting loan closed / terminated as of XXXX XXXX, XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the loan closed / terminated as of XXXX XXXX. 
3. XXXX XXXX, XXXX, XXXX XXXX XXXX sent me an Escrow account statement letter detailing fund distribution from XXXX XXXX - XXXX XXXX in the amount of {$13000.00} and funds received of {$2200.00}. 
a. This property was foreclosed in XXXX XXXX b. I did not make any payments to XXXX XXXX XXXX, ever. 
c. When I called to get more information, they claimed I am in bankruptcy and they can not discuss my account without my attorney present. 
* I have never nor am in the process of filing bankruptcy. 
XXXX My attorney did not file nor address bankruptcy in any call, letter or document when attempting to contact XXXX XXXX XXXX on my behalf. 
d. The representative at Bayview said they would contact my attorney and get back to me. I have not heard back in over a week. 

Prior to the XXXX XXXX letter, I have made multiple attempts to have this inaccurate information corrected by XXXX XXXX XXXX since XXXX XXXX, with no resolution. I have furthermore sent the same letter and supporting documentation to the 3 credit bureaus in a dispute. Only XXXX  and XXXX have corrected their reports, although XXXX acknowledged the dispute, it has not made any correction. I have also enlisted the help of an attorney to have this corrected and he has not been able to gain any response from XXXX XXXX XXXX.
I make my monthly mortgage payment online to US Bank every month. I just noticed that this month, they are now charging {$5.00} for online processing fee. They never even send a notification to make me aware of this change. So now I plan on sending my payment in via regular mail, but I had been receiving paperless statements via email, so I do n't have the physical printout of the pay stub to send in nor the envelope. And if I had noticed this one day before the payment cutoff date, they would have received my payment late and charged me interest!
On XXXX occasions, the XXXX was on XXXX/XXXX/2015 at XXXX they called me at work. The XXXX time they called I was very clear that they were not allowed to call me at my place of employment and hung up the phone. They do not have my married name and ask for the wrong person. I respond by saying no this is not her, the continue to asked who I am. I respond by asking who they are, they only tell me there name. I have to ask specifically " where are you from '' They do not know my married name. On the XXXX occasion I did tell they that I was being harassed and I was contacting a lawyer and again to never call my place of employment again.
I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.
Chase Mortgage significantly overcharge the payoff amount of my primary home loan by more then {$8500.00} at closing when I sold my home in XXXX XXXX. The previous year in XXXX, XXXX we executed a term-extension only modification that spiked our payoff over {$11000.00} from the previous month 's statement, which Chase can not reconcile after spending many hours reviewing their detailed history on the phone. I hired an Accountant to audit the detailed history suggesting I contact CFPB after no calculus with arrears back escrow, interest, accrued penalty come close to fees charged. Additionally Chase refused our full mortgage payments we paid in the successive months prior to modification which hindered our efforts to make catch up payments avoiding the need for modification
Pay pal credit pulled my XXXX credit history without my authorization as I did not give them my FULL SSN #. And I was not realized that this is a credit card application as they do not have explicit language explaining that and that they will pull my credit history. And they bond the paypal credit application together with paypal account creation without having me notice that I am applying this paypal credit.
There are unauthorized inquries on my report that i haven't initiated i have no connections with these companies and asked that they be deleted from my report. Items listed below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX   XX/XX/XXXX
We repeatedly requested a loan modification from Rushmore Loan Management Services and even though my husband on XXXX and that was why we were looking for reduction from our 6.5 % interest they kept turning us down saying our income to debt ratio did n't fit their criteria for in home modification. We missed 3 payments, XXXX and XXXX XXXX and XXXX XXXX. Began sending payments again every month but starting XXXX XXXX Rushmore started denying acceptance of payments because we were n't paying off missing payments balance. Finally this month they denied our modification for the last time and demanded almost {$40000.00} in reinstatement quote including almost {$1000.00} in late fees and almost {$7000.00} in " Corporate Advances '' which were n't listed individually. Managed to get loan to pay this amount, then the Point of Contact called me after we XXXX cashiers check saying she had forgotten to include XXXX amount in quote and we owed another month. Agreed to reduce by the late fee. Also the value of house they also based part of denial on was taken from the web site XXXX. They never sent an appraiser to house. XXXX has our house incorrectly listed with more bedrooms than we have. We feel unfairly treated for consideration of a modification based on our loss of income from my husband working full time to being on XXXX. When they did deny us, they sent a letter stating what any of the numerous reasons might be without checking any specific denial reasons also.
Received information on CFPB website to contact Transunion via general number. Each time I call number, a very nice but uninformed person in XXXX answers and transfers me to several colleagues in same office before they transfer me to someone " State-side ''. The person in the US then transfers me to a voicemail or a recorded message that disconnects before I can even leave a message. I have been on this rotation for about 6-7 months. I have yet to receive a call from anyone despite leaving messages when I was able to do so. Furthermore, I have sent emails to : XXXXXXXXXXXX on many occasions over the past 3 months and never received a reply. There has been no correspondence other than an email when I dispute online using a form that requires me to enter credit bureau account information that I do not have access to. Additionally, I have inquiries on my credit report that were not authorized. There are remarks on accounts that are not in dispute.
On XX/XX/2018 I opened an account online with State Farm Bank. When opening the account I funded it with a deposit of {$500.00}.

On XX/XX/2018 I received an email from State Farm Bank that I needed to provide documents ( driver 's license and social security card ) in order to verify my identity. I provided these documents the same day via fax.

On XX/XX/2018 I received my debit card in the mail and was unable to use it. I contacted State Farm via phone and their online chat. I was informed that the account was not fully opened since they had not reviewed my paperwork. I was unable to access my funds. They said the matter would be handled by the end of the day. It was not. 

On XX/XX/2018 I contacted them again. After speaking via chat to a supervisor the block on my debit card was removed. 

However on XX/XX/2018 the block was put back on since State Farm claims the documents I sent them are not satisfactory. Once again I am  unable to access the funds in my account.
fraud amecan express accounts i naver open it now reporting on all XXXX craitd reports ps i have XXXX card dont need amex
" " '' I have disputed this collection XXXX XXXX XXXX XXXX for months.XXXX and XXXX have Deleted 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.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I started the request for assistance in in XXXX, and signed the move forward loss mitigation program agreement onXX/XX/XXXX ( see copy attached ) to continue the process. I completed my Trial Payments and then followed the Final Modification Agreement with the Approval Letter dated XX/XX/XXXX ( see attached ) Upon receipt of the Final Agreement I signed it had it notarized as required. I called Selene and asked what was the quickest way to get the documents back to them and I was told I could do one of three things ; Fax it, Scan and email it, or send it my mail. In order for them to receive it immediately, I scanned and emailed, never once was I told that I still had to mail in the original documents. This is the issue : After the emailed documents were accepted I started to pay the amount of payment as modified {$800.00} and I have been paying this amount since XX/XX/XXXX. I have not missed one payment all have been on time ( see XXXX XXXX XXXX. statement attached ). So for almost a full year no one had ever told me that my original documents were still needed and they kept accepting the modified payments. Two weeks ago I receive a letter dated XX/XX/XXXX that my modification has been cancelled due to original Modification agreement not being sent in to Selene. If this was an issue WHY did they not tell me sooner that the end of XX/XX/XXXX? this is a complete error on their part. Now, I have a foreclosure date of XX/XX/XXXX due to them stating I am now behind on my payments. Again, I ask WHY NOW??? they had so much time to let me know as I have talked to so many Selene Financial Reps and no one ever said the emailed copies were not sufficient. I can not believe I am losing my house due to SELENE 'S error. Please help this is unacceptable. Thank you.
Trying to collect a debt for XXXX XXXX account which I successfully challenged back in 2013. XXXX attempted to collect a debt but was actually revealed to have over billed me and ended up sending a refund payment of XXXX dollars to me in this matter. This is a bogus debt.
In XXXX of this year I saw 4 inquiries on my credit report by Tower Loan. I was shocked. I have never applied for a loan from Tower Loan, done business with them, never even stepped into one of their stores. I called and complained. My husband had applied for a loan and apparently gave them my info because I have better credit than he. I told them that was not ethical or legal. I did not authorize them to search my credit, I had not signed the application. I was told that they would write to the reporting agencies and have the inquiries removed. Each month I have had to call again about it. Over the last 4 months, 2 of the inquiries were removed but 2 still remain.

My husband has been borrowing money off and on to support his trading compulsion. These finance companies prey on people like that, offering greater amounts of money each time a loan is repaid. It is enabling his addiction. I wish they would close his account completely and no longer do business with him.
On XX/XX/XXXX XXXX XXXX XXXX dollars was taken from my Chase Bank account from an atm at the XXXX XXXX XXXX XXXX XXXX XXXX Ga location. My debit card was stolen at some point. I never received the debit card nor did I activate it. I told chase bank this information. At XXXX I noticed my account had been used. I called Chase Bank Customer Service to report the incident at XXXX. The debit card was cancelled. On XX/XX/XXXX they put the money back into my account. I was also sent a new debit card. The following month on XX/XX/XXXX they declined the claim and took the money back out of the account. They reversed the claim without properly researching my case. The atm video footage was never checked and the phone number that activated my card wasnt tracked. Chase told me my claim was denied because the claim took place in the same city I live in. I live in XXXX XXXX, ga and the fraud happened in XXXX, ga. The two areas are about 30 minutes apart. Ive never been to that banking center. Chase said the transaction was pin based and wasnt indicated as being comprised but I did in fact tell chase my card was stolen and I did not activate the card. Which makes the pin compromised.
Hello I am not quite sure I have a real complaint. 

I have been trying to get a definite quote from XXXX XXXX ( NMLS ID XXXX ) for refinancing my mortgage. After a lot of wiggling around, I finally got Loan Estimate with a lock on XX/XX/XXXX emailed directly to me ( no signatures, attached ) and I got an email on the same day asking me to e-sign the documents on XXXX XXXX XXXX. When clicking on XXXX XXXX XXXX the loan number ( picture XXXX ) was different than the one on Loan Estimate. So, I did not proceed. 

Today ( XX/XX/XXXX ), XXXX XXXX forwarded me an email from XXXX XXXX ( XXXX ). XXXX claims that the loans are the same, however, he attached a screen shot ( picture clarification ) which seems to show that they are not. Note that this picture shows two different loans : 1 ( float ), 2 ( LE locked ). I think I was emailed 2 but I was asked to sign 1. 

I am not in mortgage business. This could be either blatant attempt at fraud or just clumsy way of accounting. I got other offers which were much more transparent. Can you clarify this ( if Trump did n't fire you yet )? 

Thanks
I have been paying my child support faithfully every month, but my child 's mother has moved to another state and there was a miscommunication between the State of XXXX and the State of XXXX   that I have not been able to resolve. I have now been sent to collections for child support that I have paid. I have included a payment letter from the State of XXXX from XXXX, XXXX to XXXX, XXXX that proves that I have been paying over {$2000.00} a month in child support. 

XXXX ; XXXX  and XXXX are also reporting this item on my credit report.
XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX-XXXX claims that I owe a debt to XXXX XXXX XXXX XXXX. 

I have no knowledge of this debt, I have sent numerous letters to XXXX XXXX XXXX XXXX and they have all been returned. I have disputed it with XXXX numerous times and XXXX refuses to remove this XXXX from my credit report! WHY?! It IS NOT mine and the debt collector refuses to answer my questions.
this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit -  Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account Original Creditor XXXX XXXX XXXX - Original Amount {$440.00} Comments
I applied for a home mortgage recently to find out a fraud Credit Inquiry from Capital One on XXXX/XXXX/2016,. This pull effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, I have faxed this documentation from Capital on over 8 times and they still refuse to remove it. I Would like Inquiry removed ASAP!
On XXXX XXXX, 2016, I sent {$500.00} from my online checking account at Capital One 360 through their new XXXX system on XXXX This was the first time I had made such a transaction. I was asked to put in the email address of the person I was sending it to, but I did not have access to the drop down menu where the correct address had been stored in the previous process. I erroneously put in the wrong email address. ( Anyone could make a single digit mistake in the same way if sending to a mobile phone number. ) Admittedly, this was my mistake ; however, there was a complete lack of security, of checking, of layers through which the request had to go to ensure its secure transmission to the recipient. 

My {$500.00} XXXXpayment, powered by XXXX, went unhindered into an account owned by someone unknown at XXXX XXXX XXXX. Because that person had already checked into the Capital One 360 service at least once, all future amounts were automatically transferred into that account. When a Capital One 360 customer service person checked into the issue, he found that the cash was no longer available or accessible at the XXXX XXXX XXXX account. There was nothing he could do. XXXX XXXX XXXX wo n't even discuss the issue because we do n't know the account number of that person with the email address I used. 

I can not believe that I could lose {$500.00} because of a clerical error. I can not believe that Capital One 360 is that insecure. I can not believe that Capital One 360 did so little to retrieve my money. I can not see any benefit to keeping any money in this bank. I can not believe that I as a customer am treated with so little regard for the safety of the transmission of my money from my account to another 's.
I was late on my mortgage payments and decided to sell my property, however I have a XXXX tax lien hold that I have been trying to clear form IRS as a lien hold on my house, NOW that I have finally fixed the issue and have a buyer that will buy my house AS IS, the lender Wells Fargo is NOT being cooperative and taking too long for the process plus they have put me in FORECLOSURE status and NOT willing to extend my DUE date of XXXX XXXX 2016 ... On top of HOLIDAYS!!
XXXX XXXX # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX-XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I demand XXXX XXXX -XXXX provide some paperwork of this account that I have no record of ever doing business with, I received nothing. XXXX XXXXXXXX  needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also have the right to file suit against you for any future violations of this law.
I have disputed inaccuracies regarding credit inquiries with Transunion. Transunion states that these inquiries have been validated, but they have not been properly verified. 

Per my request, I asked that they submit documentation that these inquiries belong to me ( i.e. my signature, handwriting ), showing that I consented to the inquiries, I have not gotten any documents just that they have been verified. I have advised Transunion that using XXXX is not the correct procedure for verification. 

I have submitted a letter with the list of incorrect issues that I am consistently disputing. Again, I am requesting that the creditor and Transunion provide documentation bearing my signature for consent. 

Please see attached.
XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX account. While the account was never established the fraudulent inquiry was on his credit report. We received confirmation from XXXX they were removing the inquiry and acknowledged the inquiry was fraud related however an official dispute to remove the inquiry was sent to TransUnion credit bureaus and TransUnion confirmed the inquiry was accurate and factual. This reported inquiry is a violation of XXXX XXXX consumer rights.
I have disputed an account Experian is reporting and they still have it listed which should NOT be so I took it upon myself and got a notice from the company here it is because they can not do their job. I want this REMOVED!
Bank of America sent out an offer for {$150.00} bonus for opening a free checking account, which I did. The only requirements were direct deposits for three months, which I did. The first month 's {$25.00} service fee was refunded automatically a week or so after it was assessed. I was waiting for the second month 's fee to be refunded and then the third month it was charged again. I called to have the charges reversed but was told my account required a {$10000.00} average limit to avoid maintenance fees. The original promotion was deceptive, as I did everything that was required to get a free checking account and a {$150.00} bonus. BoA should not be able to get away with that kind of thing, they are supposed to be a large, reputable bank.
On XXXX of 2017 I sent out a request and notice of BILLING ERROR regarding my account. I only received statements in response which did not answer the questions to my concerns. I have now checked my credit report and XXXX has reported me as delinquent. This goes against the FCBA. THEY have violated the law stating they can NOT collect or report to bureaus until they 've addressed the billing error. My rights have been violated and I 'm prepared to Persue legal action if this matter is not cleared. Under FCBA THEY HAVE 90 days at most to validate. They have NOT! This account is null in void. My credit WILL REMAIN INTACT! I know my rights and will enforce my rights to the full extent of the LAW!
On XX/XX/XXXX. I received an update from XXXX XXXX that my transuion score had dropped a new " comment '' had been added to my account. When I logged on, I noted that my credit card opened in XX/XX/XXXX and in good standing had a note that stated it had been investigated and found to be reporting correctly. I had not requested this account to be investigated, it was perfect. I reached out immediately to Trans Union and spent over 25 min on the phone with them. The representative advised he would delete the comment and it would be updated in 48 hours. I never received any update, so I reached out again on XX/XX/XXXX and got another representative. She advised she could not find that account, I then asked for a supervisor and he was very rude to me and advised that I had probably asked for the wrong thing, however the item had been completely deleted. I was blown away. I asked if they could fix it since it was an error. He advised no we can't, we can take away but not add anything, well, you added the comment on an account that was not supposed to be investigated, then you deleted my account and its my problem. the supervisor advised that I would have to reach out to the bank card company and ask them to resend it over. I asked if I could have another supervisor and he said of course, he put me in cue and no one ever came after holding over 20 minutes I had to go. I then reached out to my credit card company and was advised ma'am, we have never had that request, the bureau should take care of that ... so here I am ...