WillisBack/dataset-financial-user-claim huggingface dataset:
n Friday, XX/XX/2018, my husband and I visited the XXXX XXXX XXXX  store in XXXX, FL. Upon our arrival, we were greeted by a salesman by the name of XXXX. We explained to XXXX that we were interested in viewing their XXXX home but was NOT looking to purchase until XX/XX/2018 because we were working on paying down our credit card balances. After viewing the home, XXXX was adamant that we should allow him to do a soft internal pull of our credit score so that he could show us the accounts that we should focus on paying down. We agreed under the conditions that it was a soft, internal pull that would NOT affect our credit. To our surprise, it not only resulted in a hard pull but our information was also sent to XXXX XXXX XXXX  without our consent. As illustrated by the email communications, I was unsuccessfully in resolving this issue as well as explaining my concerns to the Owner of XXXX XXXX XXXX, XXXX XXXX. I was trying to get him to see that the information that XXXX communicated to us was clearly misleading and dishonest because otherwise, I wouldnt be upset if I came there with the intentions to buy. However, I was only looking and obtaining information to better prepare for my home-buying experience in the months to come. Please note that I never contacted XXXX XXXX to obtain any information regarding the status of the loan application-that information remains unknown.
I am filing a second complaint against XXXX because incorrect information continues to show up on my credit report. As a result, this is causing me a great deal of anguish and frustration. Furthermore, it's causing me to have a low credit score which impacts my ability to get credit. I reported the same complaint on XX/XX/2018 and the information with regards to Wells Fargo remains on my credit report as being 120 days past due. The mortgage was modified XX/XX/2018 which brought the account current and placed the account under my ex name. Despite my continued efforts to get XXXX  to update their information they continue to reinsert incorrect information on my credit report. I would appreciate any help in getting this resolved.
Bank of America understands I have not opted into the overdraft protection feature, yet they keep feeing me into the red, even after paying off a negative balance during hours. They simply ignore the deposit and roll the fee over, this has happened about 5-10 times to me in my lifetime. This is the 3rd report I 've made against them. They are currently doing it today, I 've been waiting to speak to a representative for about an hour now, with nothing more then a XXXX jingle and some computer lady reassuring me to stay on the line ... ....
On XX/XX/XXXX, Bank of America credit card reversed a charge back in the amount of {$2500.00} previously issued against XXXX XXXX XXXX XXXX also known as XXXX  Held Desk. Bank of America alleged : " We can not intervene in situations involving a merchant 's return, refund, or cancellation policy ... Merchants may operate their businesses independently and set return and refund policies that best suit their business needs. I disagree and believe that Bank of America 's assertion is in violation of the Fair Billing Act, my consumers rights by using services not provided or received and also it constitutes a breach of contract with Bank of America cash reward credit card. 

The presenting issue stems from a travel ticket I previously purchased with my Bank of America Visa Cash Rewards through this Agency with its Headquarters in XXXX XXXX, CA. I was unable to use the ticket for travel as intended because I was wrongfully prevented from boarding the plane by the airline through no fault to me. While in transit at the XXXX airport, XXXX and traveling to XXXX as a dual citizen of XXXX and the USA, the travel agent did not realize that I did not need a visa on my USA passport and that my XXXX passport was sufficient. When the XXXX airlines eventually realized the error, the plane has departed. I contacted XXXX XXXX XXXX or XXXX Help Desk at the airport and was denied boarding another plane reportedly because my ticket was non refundable. Other monetary damages and losses occurred as a result as I had to return immediately to the United States from XXXX XXXX. 

I would like a review of the basis of Bank of America 's denial along with its investigative process. I do not believe that Bank of America conducted a fair investigation into this matter, has partially sided with the merchant and have not followed up the rules and regulations of consumers rights related to services and goods not received. This was through no fault to me and caused by the merchant 's negligence and predatory tactics. I have never been afforded due process as I have been unaware of the merchant 's response. I should have been given the opportunity to respond back to the merchant 's allegations or some evidence should have been collected and presented.
I applied for Public Service Loan Forgiveness. The form states that you will be notified on how many qualifying payments you have. The purpose of the program is to help to relieve debt of student loans. I originally made my payments to XXXX XXXX services. I had not received any information from XXXX XXXX   Loans so at the beginning of XXXX I went to make my payment to XXXX XXXX XXXX. XXXX XXXX no longer had my information because my loans had been moved over to XXXX XXXX Loans. I created an account for XXXX XXXX Loans and they did not have any of my loans posted. I made a call to XXXX XXXX   Loans on XX/XX/XXXX and the person on the phone stated to me that I would need to make a payment in XXXX that the loans would not be transferred in time to make a XXXX payment. At this point I still had not received any information from XXXX XXXX Loans. My loans were originally due on the XXXX and XXXX of each month with the total of the loans being {$620.00}. I log into XXXX XXXX  Loans this week and it is showing my loans as delinquent and my payment being $ XXXX dollars. I called them again to try to find out what was going on with the loan and why I was told that XXXX would not be due, yet now I am showing as delinquent and they have raised my payment amount without informing me. They said they would do an administrative forbearance and set it up for it to be due in XXXX but the interest would still accrue and that my payment would be more. I explained to them that the whole purpose of me applying for public service loan forgiveness was to owe less not more and that I certainly couldn't afford a higher payment. I said that I was never informed of qualifying or not qualifying for the program that they simply moved my account without informing me of a rise in payment. They went on to tell me that none of the payments I have been making were qualifying payments and that they would have to set me up on a higher payment. I said, " Had anyone told me that was how the program worked I would have simply stayed with the payment plan I already had. '' Additionally, they have not corrected the payment to be made in XXXX so my account is still showing as delinquent. I brought this to their attention today with a phone call and they said they did not have any record of the administrative forbearance at this time.
I called 3 credit bureaus to remove negative report from my public record but they didnt respond me it shoes bankruptcy on my public recort on my credit report back in XXXX they told me they gon na remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house its hurting me cant go forward to grow up Thanks
For the. Last months they continue to call from various XXXX area code numbers. I told them to send correspondence to me via the mail. They CONTINUE to harrass me and will not provide me with any information regarding the reason for their call. After some research it looks like a XXXX bill which I had paid previously.
I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from Transunion, XXXX and XXXX is that the accounts were verified and are correct. This is untrue as I have letters from the State of Maryland stating that the debts are satisfied and has been for over one year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my credit.
To whom it may concern, I faxed over a multiple inquiries letter   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     in order to dispute information, in regards to over  XXXX  hard inquiries that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request   XXXX   XXXX   XXXX    . The request I submitted was over  XXXX  hard inquiries that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in   XXXX    days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
I contacted the original creditor and they can not locate a past due balance on my account. The date of service for this bill is XXXX/XXXX/2010, even if it was owed it is past the statute of limitations and in violation of The Fair Debt Collection Practices Act. Oregon 's statute of limitations is six years. I contacted the company after speaking to an attorney all morning and they state that " They can not remove this from my credit report. ''
XXXX CREDIT REPORTING AGENCY FAILED TO REPORT THE CORRECT INFORMATION ON MY CREDIT FILE FROM XX/XX/XXXX TO XX/XX/XXXX. THE AGENCY HAS STATED THAT TODAY XX/XX/XXXX THERE ARE NO ACCOUNTS, WHEN THERE ARE CURRENTLY THREE ACCOUNTS NOT BEING REPORTED.
It appears that Discover card employees have retaliated once again due to my past CFPB complaints and have refused to close and purge my Discover account. On XX/XX/18 XXXX XXXX  I called to cancel my Discover after never resolving issues on my account and getting incompetent lip service from corporate employees. XX/XX/18 XXXX XXXX XXXX in XXXX claimed my account was closed and was clueless when the account would be purged. I finally dig deeper and found that Discover employees had entered incorrect information into my account to further delay closing the account and perhaps damage my credit rating. Here '' s what is entered on my account center : " You've previously initiated a credit bureau fraud alert on this account. If you'd like to make an update to your account, '' Let us make sure we all understand the English language fully and clearly ... I wanted my card cancelled and my account closed. Discover employees refused!!!!!!!!!!!!!!!!! I can only conclude that this is Discover Card 's way of retaliating for my prior CFPB complaints.
I took out a second ( junior ) mortgage on my house with Beneficial Finance ( HFC, HSBC ) in XXXX. I have been paying religiously since then every month. I intend to pay of the balance when the closing of my current property occurs on XXXX/XXXX/XXXX. I called to get payoff balance and discovered there is {$2900.00} in deferred interest and {$27.00} in deferred late charges. I do n't recall ever being late on paying this loan - and I certainly never agreed to deferred interest. Can you help me fight this? I need to pay this loan off before my new mortgage will proceed and I am not paying something that an unscrupulous bank decides to charge me without my knowledge or consent. 
Thank you XXXX XXXX email : XXXXXXXXXXXX
In XX/XX/2018, i submitted a request to have my escrow account removed. on XX/XX/2018, my servicer, Home Point Financial sent me a secure email stating that my account met all the qualification to have the escrows removed and to allow 30 days to process. which would be at the end of XXXX. I called them XX/XX/XXXX and the CR told me that the request would be escalated to a supervisor and to call back Friday, XX/XX/XXXX. I call them back today, now they are stating that I have to resubmit my request because my 24th payment was processed in XXXX, which no one at this company told me. I spoke to the Compliance department back in XXXX about this and they told me that after my XXXX payment I can request the escrow removed. 

I followed their directions and all this company has done is give inaccurate and misleading information. They have not provide me with any assistance or response, other than that I have to resubmit my request. They lied about their own process.
I don't know what this debt is for .I tried contacting the particular party but couldn't get an answer, they would never answer the phone. I just want to know what company, what was the charge/debt for. They offered me a settlement but I could never reach any one to find out what was what.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX
I am a XXXX currently in my last year of XXXX. I have student loans with XXXX companies, FedLoan ( ~ $ XXXXcurrently in forbearance ) and National Education . I have been able to defer/forebear my loans during my training, as a XXXX is not sufficient to make payments while supporting my wife and child. They have requested several forms over the past two months, of which i have sent to them and they have continued to reject. My loans are in delinquency currently and they have been unwilling to budge on their stance. I have explained to them that I will only need to defer payments until after XXXX of 2016 at which time I will be employed as an XXXX and my income will be substantial enough to pay off the entire {$25000.00} balance with XXXX XXXX within a few months. They have requested on separate occasions, and subsequently rejected, a copy of my fellowship contract, a letter from my program director, as well as a letter from XXXX stating the status of my Federal loans. During the period of obtaining these documents, and them being rejected, they have begun charging late fees. It seems that their strategy MAY be to make it as difficult as possible to defer loan payments so they can bill a late fee and continue to reject documents they specificaly request in order to force a payment. I am not trying to skirt payments on my loans. I just need to feed my family until XX/XX/XXXX on my XXXX. after which I will certainly be finacially secure enough to pay off the loan in a very short time. 

Thank you
This is a written request that you investigate items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be investigated and then deleted : Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA.
I notified XXXX Customer Services since 2015 all my financial hardship - I was hospitalized during some time that year, I went through an eviction process and attending many appointments in the court. I was having emotional distress and deep XXXX. Has been very frustrating dealing with the XXXX ' representatives without any concrete answer from them to claim the {$10000.00} credit protection benefit to cover part of the balance that my account have. I made several call every month since XX/XX/2015, spending around 1 hour to -2 hours on the phone. After many calls they sent back and forth to different managers wait on the phone one person to another and not instructions or process to make the claim. After 2 years they sent me a letter stating that the time for my claim has expired. I found this unbelievable because I was on the phone with them for many months and they never told me how to proceed to resolve the issue. I feel like they are neglected my request for so long, I found that the misleading information and they just want clients to sign in their programs like me, paying every month {$99.00} dollars and then when I need them to comply with the agreement. I am living in a fixed income ( social security disability ), leaving here and there without home and looking to move forward with my financial situation.
Twice incorrect information has been placed on my XXXX report by XXXX XXXX in Ohio. XX/XX/XXXX and XX/XX/XXXX I made two reports XXXX and report XXXX but Hire Right is not reporting I disputed the information. I was told in 15 days if the trucking company did not change their report the information would remain th same. Thus, HireRight is just a data base for trucking companies to defame and act with prejudice against truckers. I am having a difficult time finding employment due to unfair labor practices by HireRight because HireRight does not do investigations. It reports only what trucking companies choose to say although the majority of the time after my research are acts of defamation, retailiation, and discrimination. XXXX
This is not my debt. This debt was from identity theft and it was removed from my credit report. Now this company is trying to collect money. This is not my debt.
I am submitting my correct information with Equifax to dispute the inquiries on my credit report. In reviewing all ( XXXX ) agencies, I have a total of XXXX inquiries on my Equifax , but lessor amounts on XXXX and XXXX. I do not understand why I would have so many on XXXX report other than they were not approved. I am unable to use the dispute option online even with providing my proper and correct information as it is rejecting it. I have attached proof along with my dispute letter to Equifax. 
I have also provided proof of answering my security questions correctly.
On XX/XX/XXXX, someone in XXXX, IL tried to make a purchase at a XXXX station using my credit card information. ( See XXXX ). 

On XX/XX/XXXX, Citi sent me FRAUD ALERT E-Mail ( XXXX ) recognizing it as a suspicious activity and DECLINNED PAYMENT. I immediately called them and confirmed that I made no such transaction. 

In the interim. I have made multiple phone calls attempting to remove such charge from my account, but despite promises by Citi Reps every time, it is still there. 

I even cancelled my account wit them! 

So now, to add insult to injury, they tacked on a {$30.00} LATE FEE? ( XXXX )
I have been here for over 10 years I 'm not really good at this or any kind of paperwork my ex always did the paperwork so to my knowledged I just paid the mortgage some how we had  XXXX  mortgages started out with  XXXX   XXXX  what the primary mortgage  XXXX   XXXX   XXXX  for the the low er one a s each year went by both increased each year well   XX/XX/XXXX   it got way out of hand and they wanted me to do a home modification to lower my payments needs to say the same thing happened in this other lender   XXXX     XX/XX/XXXX  to  XX/XX/XXXX   I left a job the following year because I wa s working full time     XXXX  and Thursday Friday and Saturday from  XXXX    XXXX   to  XXXX    XXXX  . I worked at a   XXXX   XXXX   for 17 years my body needed to take a break im almost  XXXX  soon well in   XX/XX/XXXX   a friend of mine needed a place to stay she fell ill at  XXXX  and had to let    XXXX   of he r jobs go because of lifting she and her  XXXX  kids and  XXXX  dogs  XXXX  cat as time went on I was having a had time with work had slowed down   XXXX   XXXX   and she became   XXXX   XXXX   could not work very sad to see a strong person sick but because of all this  XXXX  has made it harder for her to get better but my point that I was writing about is all these mortgage companies or scamming me and I had lost over {$100000.00} in this house and I filled out the application for the hardest hit fund and because she did not go with me I did not understand and they said will let you know in a few weeks well she called to find out what was going on and they said that we were tonight and come to find out that it was n't for the hardest hit fund it was for a mortgage something but I ca n't understand why my other lender transferred by deed without me knowing only because I wa s one mon th behind and we were already making arrangements to get this all taken care of so I am out once again and now I 'm about to be out of my home and these people that need help also not going to have a question though and I do n't think it 's fair at least companies just take but they wo n't and they make a start all back over again. Thank you
I Checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have contract with these people. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. Moreover, my credit report is not showing any dates at all. 
Public Record Details Reference Number XXXX Court -- Date -- Status -- Amount {$2700.00} Classification -- Type legalitems
AMEX is reporting a balance due for an account that was closed in 2010. By law the balance is no longer collectible as the statute of limitations has run.
I was contacted by Loan Care and informed that they would be collecting property taxes from my escrow totaling over XXXX dollars. 
I called Loan Care and informed them that my property taxes are exempt because I am a XXXX veteran. I also explained to Loan Care that the Title Company submitted the property tax information in closing of the mortgage loan and the exemption is recorded in XXXX County Deed of Records. Loan Care informed me that I am not allowed to speak with the tax department and to send them a tax bill. 
I explained that I do not receive a tax bill from XXXX XXXX XXXX because the taxes are exempt and I had already sent Loan Care the property tax information. Loan Care disconnected the call. I called back to Loan Care and they told me that they were not going to ask the title company for any information and they did not receive my tax information. 
I am asking for Loan Care to accept my Property Tax information from XXXX County and the Department of Veterans Affairs and then update my records. I am also asking that Loan Care stop having people answer calls that do not have authority or competence to handle customers needs. 
Finally, I am asking Loan Care not to collect money from my escrow account for property taxes and to address the issue of the Loan Closing being improperly handled.