WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a home improvement loan with XXXX XXXX Bank. They denied my loan stating that EQUIFAX did not have a credit score for me because I did n't have enough credit history for them to calculate a score. I have had a mortgage since XX/XX/XXXX, and have refinanced a number of times, the latest refinance was in XX/XX/XXXX. I had a problem when I went to help my son buy a car in XX/XX/XXXX. According to the car dealership EQUIFAX had no record of me. I did the online dispute with EQUIFAX ( THEY HAD MY NAME SPELLED WRONG ) Confirmation # XXXX They corrected it and I thought everything was ok until I applied at XXXX XXXX for this loan Can you help me?
XX/XX/17 was just watching XXXX XXXX XXXX and was concerned that Experian was advertising a product that people could access to monitor the " dark web '', with a fee. and that people affected by their data hack would assume that they could use this service to help mediate their risk. I do n't think they should be advertising credit protection services when they themselves could not keep their data secire.
XXXX was included in bk XXXX XXXX of virginia inreturn XXXX has transferred account to collection agency bk was discharged on XXXX
I was told by Medical Business Bureau that once I paid this account in full and not a settlement it would be deleted from my credit report. Instead of deleting it, they still listed it on my credit report as paid. My maiden name was XXXX XXXX.
I have cut and pasted my e mail to Macy 's which explains the basicissue. I received a XXXX line answer. The posting of this on my creditreport has made my score drop dramatically. I can not believe they do nothave a XXXX time forgiveness, especially when they are partly to blame. 

-- -- -- -- Original Message -- -- -- -- Subject : Response to my XXXX Posting from XXXXFrom : XXXX ; Date : Thu, XXXX XXXX, 2015 XXXX XXXXTo : XXXXXXXXResendingGood Morning, Many Thanks for your quick response to my XXXX posting. 

My account number isAs I explained in my XXXX posting on XXXX XXXX I opted for electronic statements as the hard copy statements never arrived on a regular basis despite my complaining. I was also unable to download pdf versions and your IT department promised to fix this but so far not. I was constantly paying my account by logging in and paying the balance as soon as I seen it, or paid it in store when shopping. On the same day I enrolled as I thought in automatic payment which would really solve all of these problems, however what I actually did was made a XXXX off payment. An honest error on my part and something I was only doing so my payments would always be prompt, ( not that they were n't before ). I has a balance in XXXX that ran over into XXXX because I NEVER RECEIVED A XXXX STATEMENT either in hard form or electronic. I did receive a XXXX statement and paid it immediately as I then realized that I must not be set up for automatic payment. Macy 's listed my account as delinquent and it has now reduced my credit score by XXXX points. It also listed and will stay there for 7 years if you do not correct it. 

All your representatives kept telling was that XXXX statement wen out and it was basically just tough. There manner although no impolite was stand offish and they just kept repeating the same thing over and over again. 
I have spoken to a number of friend who have told me that on the odd occasion that they had forgotten to pay they received a reminder phone call - I never received any call either, as I would have acted immediately. 

I am asking that you first off look at my account record over the last 10 years and you will see perfect payments on time and some times way before due date. Surely this has to count for something and allow this XXXX accidental transgression to be waived. I am small business owner and my credit score is paramount to me maintaining and running my business and this listing could have a devastating affect. I am originally from XXXX, and as such have a large numb r of XXXX on a regular basis. XXXX of the highlights of the trip is always a large shopping expedition to Macy 's at XXXX XXXX XXXX were they spend a lot of time and money and avail of visitor discount. I would hate to have to discontinue these visits as a result of this unfair action you have taken. 

I look forward to hearing from you in due course and hope that common sense will prevail in this instance. 

My contact phone number isMany ThanksRespectfully, XXXX XXXX XXXX XXXX XXXX
First Federal Credit Control continues to report false and inaccurate information on my credit report that I owe {$240.00}. I have disputed this account multiple times. This is not my account. I never used any services from this company. I am entitleded to a fair and accurate report.
I sold XXXXEthereum on Coinbase on XXXX XXXX at XXXX for XXXX $ US Dollars and the money went into my USD Wallet on Coinbase at exactly the same time at XXXX. At XXXX on the same day I clicked to withdrew my funds from my USD Wallet that contained XXXX $ US Dollars to my XXXX XXXX  checking account ; provided I had already setup payment methods before. On the USD Wallet transactions page it showed that my transaction was " completed '' .I gave 2-3 business days for the money to arrive to my checking account on my XXXX XXXX account. The screen then told me that my money would arrive by the " end of the day on Saturday XXXX XXXX ''. I filed XXXX emails before and after that given time as my money did not appear but on Coinbase their transaction was " completed ''. I re-checked my account and learned that under the " History '' tab my transaction was still " pending ''. During this time I reached out to the community forums as well as Coinbase support to figure out the issue but all I got was automated response emails. It is now XXXX XXXX of XXXX and my XXXX $ Still has not been deposited into my checking account. I want this issue to be solved but so far I have received absolutely no support from their support page and I learned that this happened to thousands of other people as well. I would like to close my account and never use their service again but still cling to the " hope '' that my money will be deposited. This is unacceptable and should be fixed.
XX/XX/2017 CREDCO RE : Request for investigation of Unauthorized Inquiry I check my personal credit report and found an unauthorized credit inquired with your bank information I haven't give the authorization to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the procedure used in your investigation within 15 business days of the completion of the investigation. 
Thank you : XXXX XXXX XXXX
I received my loan through Fairway Independent Mortgage Corporation on XX/XX/XXXX, with a first payment due on XX/XX/XXXX. Fairway emailed me on XX/XX/XXXX stating that my payment was due to them on XX/XX/XXXX. I then received a letter on XX/XX/XXXX stating that my loan would be transferred to XXXX on XX/XX/XXXX, and the first payment would be transferred to XXXX. I also received a letter from XXXX stating my loan had been transferred to them and the first payment would be due to them on XX/XX/XXXX. I paid my first mortgage payment to Fairway on XX/XX/XXXX as requested, expecting the payment to be transferred as claimed, but the payment was never transferred. When I contacted Fairway, they said they were never supposed to transfer the first payment, but that the unpaid principal balance to XXXX was supposed to be the loan amount minus the first payment - and changed the effective date of transfer to XX/XX/XXXX. I then contacted XXXX and Fairway claims they did as well. XXXX does not acknowledge the first payment to Fairway and still reflects the entire unpaid principal balance. I have contacted Fairway four times to resolve this issue and they have claimed that their research team has contacted XXXX each time to remedy the discrepancy, but no change has been made to the unpaid principal balance to reflect the first payment made to Fairway.
I rang Cititbank to activate the new credit cards they sent.

I was in tears after being transferred 4 times in an hour, and despite providing all my personal information I still could not be given access because of one forgotten security question. It seems questionable that in spite of all the information I gave that it all hinged on one question which was unrelated to anything of real meaning.

Other simple methods like texting the contact mobile numbers did not work, and even though I only wanted to activate a new card, we are considering closing the account after the hour of torture and their inability to run an effective service.

Even more ridiculous, is that one of the representatives tried to use a marketing incentive to gain a gift card, when I needed a resolution to a simple and commonplace problem.
MY NAME IS XXXX XXXX, I HAD A CAR THAT I BOUGHT FROM CARS FOR LESS IN XXXX NC BACK IN XX/XX/XXXX I WAS TOLD THAT I HAD TO HAVE A XXXX DOWN PAYMENT AND I GAVE HIM XXXX AND HE SAID THAT HE WILL PUT XXXX TO GET THE LOAN AND I ADV HIM NO, BUT HE DID IT ANYWAY AND I WAS GRANTED THE LOAN FROM XXXX XXXX XXXX. I HAD NO ISSUES MAKING MY MONTHLY PAYMENTS UNTIL MY JOB GOT SLOW AND I WAS ONLY WORKING 1 DAY A WEEK. MY PAYMENTS WERE DUE ON THE XXXX OF EACH MONTH. IN XX/XX/XXXX I CALLED THE COMPANY AND ASKED IF I COULD PAY MY PAYMENT ON THAT FRIDAY WHICH WOULD HAVE XX/XX/XXXX I CALLED WED THE XXXX I WAS TOLD THAT THIS WOULD BE FINE AND I COULD CALL IN, BUT ON THAT THURSDAY NIGHT I HAD TO WORK AT XXXX AND MY CAR WAS GONE i was told that CAR WAS REPOSSESSED FOR NON PAYMENT AND THEN I WAS TOLD WAS REPOSSESSED FOR NO PROOF OF INSURANCE AND THEY BOTH WERE NOT TRUE I CALLED AND MADE AN ARRANGEMENT AND I ALSO HAD FULL COVERAGE THE ENTIRE TIME I HAVE EMAILS THAT THE REP SENT AND REORDERED CALLS THAT THEY HAVE AND NO ONE COULD GIVE ME A GOOD ANSWER AS TO WHY NOT ONLY THAT I WAS TOLD THE CAR WAS A LEASE AND I NEVER EVER HAD ANY IDEA OF THIS AND WAS NOT EVER TOLD AT THE TIME OF THE DEAL THAT I WAS IN A LEASE. NOW THEY ARE SAYING THAT WILL BE ON MY REPORT AS A REPO AND I DO N'T THINK THIS IS FAIR I HAVE TRIED AND TRIED TO DISCUSS WITH THEM BUT TO NO AVAIL THEY WONT LISTEN I HAVE FILE A COMPLAINT WITH THE ATTNY GENERAL AND NOW WITH YOU PLEASE HELP ME PLEASE GET THIS CORRECTED IN ANY AND EVERY WAY YOU CAN ASSIST ME. PLEASE ASK THEM FOR EVERY CALL AND EVERY EMAIL THEY HAVE THANKS IN ADVANCE I FEEL SCAMMED I HAD MY GIRLFRIEND DISCUS WITH THEM VIA EMAIL
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Debt collection for {$600.00} not aware of the debt and the company it was originally owed to. This XXXX continues to harsh by multiple phone calls. 

This debt has been on my report for a very long time affecting the report by XXXX XXXX.
Good Morning, I have submitted a claim number XXXX, which CCO mortgage did nothing to answer. My complaint has XXXX issues. 1 ) My house was incorrectly appraised in XX/XX/XXXX. This is obvious by their appraisal in XX/XX/XXXX and again in XX/XX/XXXX. My house dropped by XXXX %, but my area dropped by XXXX-XXXX %. 2 ) CCO mortgage charged me 6.5 % interest rate but I was told it was drop down after two years. However, after two years they tried to not reduce it and sent me a letter to sign which would waive my reduction. That ca n't be legal. 3 ) After my girlfriend ( and co-owner ) broke up, I explained I would need to remove her name. They ultimately adjusted the mortgage but charged me an above market rate. I was notified about 6 months later of the HAMP program. I called them and asked why I was n't placed into that so I could get a market rate. They did n't have an answer, except that because my mortgage was adjusted ( above market rate ) that I ca n't do the HAMP program. Is that legal? Why was I not told of the HAMP program. 4 ) At that time I was told I might be able to do a modification so I filled out lots of forms but was denied. I asked for 'waterfall calculation ' and was told no calculations are provided. Is that legal? 
CCO mortgage please and answer these XXXX complaints.
Suddenly, I noticed on XXXX XXXX that I had a negative debt collection against me. I immediately thought it was identity theft. When I disputed the debt on XXXX, they took it off immediately. XXXX claims this debt was verified, however it was from XXXX and the collection company was stating it was from XXXX of this year. The original debt is purported to come from XXXX for internet. I never received any notice of this debt and I never got notice from the collection company to pay this debt within thirty days as is required by law, before it appeared on my credit report. XXXX refuses to help me or provide any documentation proving that I was given notice. I consistently paid my bills on time, therefore, I do n't think this debt is valid. The collection agency is supposedly the second collection agency. I never got notice from the first and nor did I get notice from this company. Again, this is the first time I have been made aware there was an outstanding balance of {$29.00} on an account from XXXX.
Loan Details Current Interest Rate- Variable- 6.030 Current Balance effective- XX/XX/XXXX Date Loan was sold- XX/XX/XXXX sold from XXXX XXXX Latest Rate they were able to Provide-Starting interest rate- 4.950- XX/XX/XXXX Total Disburdenment- {$50000.00} I was not aware I thought it was this high Current Balance- {$39000.00} Goal : Private Student Loan Reliaf Paying loan over 12 years, balance is not really decreasing, school is now closed, was not informed of loan terms when applied in XXXX. 
- Also payment is not getting applied correctly in addation there was false certification. 

Please help me ... .. 

Contact info XXXX XXXX XXXX Tel- XXXX
I have negative reporting on my credit bureau. The dollar amount owed and the total amount of payments are incorrectly factored into my credit score which is bringing down my credit score substantially. I use my CC by the recommendation of US BANK and its branch managers as a substitute for my Debit card. My CC type is a XXXX XXXX Rewards card. They insist I use the card because I gain cash for traditional purposes - then with live cash transfers from my checking account I make payments for the full balance every XXXX weeks. I have not paid late in XXXX years and like clockwork I pay of all or close to the entire amount. This means I gain no interest since I pay off ALL transactions within XXXX days prior to the XXXX day billing period. This means less interest. The problem. They consistently show only XXXX payment a month and constantly show I am near or over my limit. If the true calculation is used they would see all Transactions are paid within XXXX days so this is a false reporting showing I am " on time '' with my payments but over my limit which is false. I would know - I used to be a Branch Manager with US Bank and can validate the internal issue IS WELL known however not many customers know how or where to address this. The calculation based on credit score simulations showing the CORRECT number of payments based on the timeline to close each transaction would leave my credit score ABOVE XXXX. This is costly to me as my interest and rates suffer significantly as my credit score is less than XXXX. In addition to the loss of interest rates which should be applicable to me due to my stellar payment history US BANK Branch Managers Insist I continue to use my CC in the manner they suggest as it ( AS THEY STATED ) will improve my credit Standing with US BANK - this is a false statement as they too only look at current credit scores. I have called and have been given the run around for months but am now told to file a complaint. So here it is based on their recommendation.
This company continues to call me at home, cell and work with threatening voice mails indicating they are going to arrest me at work or home unless I call them. I notified them months ago to only contact me via email or us mail per the fair debt collections practice act.
I filed a complaint with the CFPB in regards to Bank of America. I am filing another complaint against them for the response I received. Initially I had included the 2nd mortgage in my bk which was discharged. Later I was told that the lien for the XXXX remained in tact and that I was responsible but the property was not. That I could live there, not pay -- - but if I sold or moved, I would have to. 
My complaint with BOA is that when I called to resolve this issue, I was told that unless I short sold the property BOA does not settle balances, does not waive fees and does not wave late charges. 
I want to stay in my property, I do not want to short sale. I can not pay 7 years of late fees, and 7 years of past due interest. They are trying to charge me $ XXXX in fees. If I am not responsible for the debt, why is it me they want to charge these amounts to? 
MY ORIGINAL COMPLAINT # XXXX.
There are several inquires listed through a company named XXXX XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull their credit three times in one month?
On XXXX 2016, Bank of America closed my IRAs, withheld taxes, and mailed checks totaling {$23000.00} and XXXX to my ex-husbands address where I have never lived. They mailed it to that address even though they had my social security number, and my updated name and address on two other active Bank of America accounts. 
I discovered this when I went to consolidate my assets this past summer. After 8 different meetings and numerous phone calls, Bank of America refused to re-open the accounts, file an amended XXXX or provide any other means of compensation. I have now paid over {$10000.00} in taxes and fees associated with these closed IRAs. 
If they had not closed these accounts, I would have been able to take advantage of the 60 day rollover option and avoided paying taxes. The timing was particularly damaging in that Bank of America closed the account in XX/XX/XXXX of my last year of employment, which will be the highest taxable earnings of my entire 44 year career.
OnXX/XX/2018 we had 3 hard targets on our credit that was not authorized. It was at a XXXX XXXX that we attended and found out that they opened a XXXX XXXX credit card in our name we did not authorize that is fraud also there's a XXXX XXXX that is on our credit report for the same day and XXXX so that's 3 hard hits that we did not authorize them to run our credit for anything it's all fraud and we want these taken off our credit report now.
During XXXX breach Inquiries were removed then placed back on report without a 5 day notification of re inserting items on my report Inquires dated from XX/XX/XXXX-XX/XX/2018 & XX/XX/XXXX-XX/XX/XXXX
I have disputed these accounts and I have not received any evidence of any transfers from the entity recorded as lender on the Notes of which Ditech has been trying to collect on, instead the have sent me as validation copies of unendorsed Notes as validation. I have received a copy of an affidavit stating that Ditech has purchased one of the Notes and yet this was not recorded into the county records. Ditech has reported false and misleading information to the XXXX CRA 's including but not limited to double reporting the debt under 2 account # 's for each Note one current and one late for the same amount. XXXX has denied them the right to report due to not being able to produce proper documentation on one of the accounts.The CRA 's have reported different information on my reports monthly and have refused to send me a copy of my files submitted to them to validate any debt. XXXX stopped reporting for six months due to lack of proof but now has determined to start reporting again although they show no information as to the payment history. I have retained an attorney to handle these problems and repeatedly stated that Ditech contact him in these matters but to date they have not attempted contact him but instead have continued collections.
credit card company   XXXX   XXXX   had a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX   2017  to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for   XX/XX/XXXX  or e nding balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter  XXXX  open with all not mentioned forthwith