WillisBack/dataset-financial-user-claim huggingface dataset:
I am being harassed for student loans that are not mine. I had a student loan for {$2700.00}. They are trying to collect {$42000.00} from me saying they are mine. In fact these are my ex wife 's loans. The only proof they can provide is a promissary note with me as the borrower and my ex wife as the co borrower. DOE guidelines States that only a parent or gaurdian can cosign for federal student loans. Which proves that these loans that they are trying to collect are not mine. Being that the cosigner is my ex wife. I agree that i had a student loan and the promissary note is mine but for {$2700.00} only. I have requested the original contracts and promissary notes for those loans and they can only produce 1 promissary note.
Hi, I like to offer your program to borrowers that need the help but my company says I will not get paid on the loan and or they approve upfront but near closing they deny. Please see below that I sent to HUD asking is the attached emails are legal or considered steering? 
I want to offer DPA programs and Texas Veteran Land Board programs but the company is making it very hard to do that and yet XXXX advertises they offer the program with full commitment but internally XXXX XXXX XXXX, XXXX, TX will remove the loan officer 's compensation if the TSAHC loans go to closing/funding since XXXX is not making enough profit. Is this legal? Thank you, XXXX XXXX, email : XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <XXXX> Date : Sun, XX/XX/2018 at XXXX XXXX  Subject : Is this legal? Is this STEERING? 
To : XXXX, XXXX, XXXX XXXX <XXXX> I have had clients apply for a mortgage at XXXX XXXX company with the request to use XXXX DPA - Texas State Program. 

We get all the way to the closing date or close to the closing date and XXXX denies the XXXX  and forces the client to cancel at the last and loose their Earnest Money or forces them to take a 'gift ' or XXXX funds hardship removal because XXXX does not want to lose profit margin money on XXXX   applications. 

Can HUD & Texas Savings and Loan investigate the last couple of years of all XXXX XXXX Division applications for XXXX borrowers and see how many applied for XXXX, received Underwriting Conditional Loan Approval upfront based on income, etc. but later within 10 days of the constract closing date and after the Credit Aprpoval date on the Real Estate Contract 3rd party Financing, XXXX either denied to to a lack of borrower funds after XXXX reverses the approval to a denial unless the borrower finds gift funds, or other means? 

Clients are loosing Earnest Money, loosing funds on appraisals, loosing funds on inspection reports, the Realtors are loosing paychecks after working in good faith for months with clients. 

This email and instructions from XXXX XXXX at XXXX to STEER Borrowers away from DPA programs, Texas Veteran Land Board programs because the company is not making enough money so the Loan Officer can offer the product only to have XXXX XXXX STEER the clients to a more profitable loan product at the detriment of the borrower or XXXX XXXX instructions the division Human Resources department and payroll department to not pay the Loan Officer their compensation on loans that do not met his desires for revenue regardless of the guidelines for Loan Officer Compensation, the Texas Safe Act for Borrowers protection from Bait and Switch Tactics.
this loan servicer was involved in not only adding insurance to my loan when I already had insurance through my main mortgage but dual tracking and trying to foreclose on my home. I have complained about this in the past and nothing seems to being done against them. I had a heloc with another company and it was handed to Specialized Loan Servicing, since I had filed a bankruptcy I received no statements from this company and was not aware my loan was due to mature. Additionally since I had modified my mortgage this loan moved to the first position on my home. I tried for 2 years to get them to modify this loan and through numerous sets of paperwork. There was always something missing. They put my home on the fast track for foreclosure and I had to file Chapter XXXX bankruptcy to keep my home. I reached out to a lawyers office who had filed a class action lawsuit against them for doing the same thing they did to me. The lawyer told me while they did agree this company was engaged in dual-tracking of my loan, but because the loan was a HELOC it didn't fall under RESPA. I believe the actions of this company were solely because of the amount of equity I have in my home. How can they still be doing business in California?
We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XXXX. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than two, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of two forms of identification, in order to have these disputed items removed.
Loan Depot they have called me for a past few days multiple times. My phone record on my phone only keeps so many. 
Called XX/XX/XXXX at XXXX, XXXX, XXXX. 
XX/XX/XXXX at XXXX, XXXX I have called and asked them to remove me from the list but they still keep calling. It says that you can be removed but I hit that and they still keep calling.
Calling leaving messages asking can i pay this debt, i honestly thought my insurance covered this matter i was supposed to have insurance through the marketplace XXXX but they said my insurance did n't go through. I was paying my insurance but they said my information was n't complete.
I have written letters and made phone calls to Nelnet LNS in efforts to dispute late payment marks that have been placed on my credit report ( s ) even though there is currently a {$0.00} balance.
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed CBNA Inquiry Date XX/XX/2018 2018
On The ending of XX/XX/XXXX I tried to withdraw money from my Discover credit card account, I did withdrew {$500.00} but I was unable to withdraw more cash. So I mailed out three proof of identification for them to have proof that I was the one who was trying to withdraw cash, so then my account was under review. Til yesterday afternoon when I made a phone call to discover card, they closed my account without letting me know ahead of time! I want You guys to take action to reopen my credit card account please, it 's so stupid of them to close my account for stupid reasons and I feel that it 's not right and not fair! I want this action taken immediately
CHASE AUTO FINIANCE- I PAID MY CAR OFF IN FULL, NOW THEY DROPPED MY CREDIT SCORE XXXX POINTS!!! ON ALL XXXX CREDIT REPORT AGENCIES ... NOW I GET TO DEAL WITH THE DISPUTE GAME THEY PLAY AND WALK AROUND FOR 45 DAYS WITH UNTRUE REPORTED FRAUD INFORMATION WITH MY NAME ON IT FROM THIS COMPANY!!! CHASE ... .... THIS IS FRAUD AND SO IS THIS BANK.I AM SO TIRED OF DEALING WITH CHASE AND THE FRAUD GAMES THEY PLAY ... I HAVE ALREADY DEALT WITH THEM WITH MY HOUSE ALSO..THIS COMPANY HAS DISTURBED BY LIFE WITH THEIR CORPORATION DEFECTS, NOW ... I GET TO GO THRU THE TRAMA OF THEIR BUTTON PUSHING WAYS TO DESTROY PEOPLES LIFES! PLEASE HELP ME, I AM TIRED! I DID RIGHT PAID OFF A VEHICLE AND NOW THEY DEEM ME!!! THIS MUST BE STOPPED BY THIS RAUNCHY CORPORATION PLEASE HELP.
I paid one of my medical bills with the amount of {$160.00} on XX/XX/2018. The account shows as a collection reported XX/XX/2018 with a balance of {$0.00} and the status is paid.
I was applying with Bank of America as a co-signer for my college daughter. I have a credit score of over 800 and have never been denied, but they denied us. I asked for the supervisor and got XXXX XXXX. In visiting with XXXX, it came to light that the application was not filled out correctly, as they did not ask for my liquid assets. I have reason to believe this might not be the only mistake in the application. I have net income over XXXX and liquid assets of over 1.5 million. 
The denial due to an inaccurate application, that they would not fix will damage my daughters credit score.
Bankruptcy record that belongs to my brother, inaccurate credit inquiries that was done by my brother just like for a car purchase. And mostly mix up of credit reports with my brother.
Years ago I wanted to pay off my higher interest loans with payment which were higher than normal/minimum. I noticed Navient 's website did not allow me to select certain loans to pay off with extra payments, everything was distributed by their system. I called the servicer and was told on the phone that I was unable to select what loans I wanted the extra payments to go towards.
I have been disputing 2 accounts since XX/XX/2018. I reached out to the collection agency and have yet to have received a response. These are not my debts. One amount is for {$3600.00} that started out as {$3600.00} and the other alleged debt started out as {$3200.00} and increased according to Transunion as {$32000.00}. How do you have a {$29000.00} increase within 60  days? I did make a phone call to XXXX XXXX when I first noticed it but never could get anybody on the phone, which is why I asked for help from the credit bureaus initially. I have asked for evidential validation of these accounts ; however I do see that Transunion went and closed these accounts after I requested to either validate them or remove them. I also sent a dispute letter via fax to XXXX. I also requested information since they were adding interest on this account because all third-party debt collection agencies are required by Texas Finance Code, Section 392.303 to provide evidence that they have the authority to collect interest or a charge, fee, or expense incidental to the debt obligation. Also, it is to my knowledge to cease collection as a dispute is being investigated. Substantial amounts of interest were added on as I disputed these accounts. Clearly these are outstanding violations and definitely not protecting my consumer rights. This is absolutely unacceptable. I am hoping that you can help me. I have attached the letters and receipts I sent over. I crossed out my name for my protection. If you need any additional info please feel free to let me know.
Dear IC System : I hereby ask that you verify IC System claims concerning consumer materials conferred to the three credit CRAs for me, XXXX XXXX, for the suspicious account number XXXX, XXXX. Since damaging reporting errors may be vis-a-vis that reported data, I formally request that you document and send the formal validation on your letterhead promptly. Additionally please show that this account was not claimed as a loss with any insuring entity. This is not a request for a summary one-sheet. In lieu of that, I must requisition a full audit. 
If these reasonable demands can not be met during the month following receipt, data uploaded by IC System to the credit bureaus should be deemed wrongful and may evince a nullification of my consumer rights. Given that occasion, you must annul that bureau material directly. 
Thank you for IC System assistance in this regard.
I have been charged an overdraft fee of {$86.00} from Iberia Bank and I am concerned. When I checked to place the balance of an amount. I called on XXXX/XXXX/16 or around that time and I had an incident with a fee and it could not be reversed from the company. I had to leave and go to XXXX just came back and saw an overdraft fee in the amount of XXXX odd dollars. The day of the overdraft I called and asked for an overdraft fee not to be placed on my account. I have had discusions before which have been very cordial with this bank. When I go to this particular branch there is a lady who is quiet rude and at times, maybe does not realize how condescending she may sound, XXXX. That has not been the first time with me, I am a student and I travel which at times it is hard to go into a branch. I called XXXX and that is where they transferred my call to. I have just come back to see this amount on my account ending in XXXX. Iberia Bank. The corperate number is XXXX.
On XX/XX/XXXX my account was overdrawn by XXXX by a payment that was made on XX/XX/XXXX with a date for processingXX/XX/XXXX. The payment is not reoccurring. They decided to take the funds on XX/XX/XXXX leaving me with an overdraft of XXXX. I immediately had someone Quickpay me the {$9.00} that same day at around XXXX. Chase claims one has until XXXX to put ur account in positive or {$5.00} or less in overdraft. At this point my account was only at XXXX before XXXX. This is what chase quoted from the messages I have. The following day they still charged me an insufficient funds fee. They couldnt explain why only that it could not be reversed. This isnt fair because I turned off my coverage feature and take all the necessary steps they suggest and they still Hit me with fees! On top of it all they never sent me an alert saying the account was overdrawn! They cant continue to deceive people with rules they dont follow!

They always seem to change the the listing of the charges on the app. But I have proof the quickpay was done before the business day end.
Have disputed this account with XXXX Transunion numerous times. Account has not fully been investigated properly. Have not been provided with information and different information being reported to each bureau. Have requested full verification as each report is showing different information and have yet to receive adequate proof of ownership. Have received statements but nothing proving I own the account and inconsistent information being reported across all XXXX bureaus.
My Husband and I have entered into a contract to sell our home. We accepted an offer and relied on the information that the party was prequalified to purchase our home. The mortgage broker for the buyer did not perform due diligence and verify that they qualified for the loan prior to closing escrow. The day escrow was to close they found various red flags and now we stand to loose out on our deposit on the house we are trying to purchase. There must be remedies for this in regards to companies that prey on people and do not follow through.
I tried to track and change a pass code or test question from one of my employees to western union at their toll free #. They stated that I needed to call from the phone # of the purchaser. That 's stupid for a receiver but for a sender? My complaint is. I asked for a telephone # or email for a supervisor and was told they did not have the contact information. I told him that I knew he was lying and to get the information for me. Then he said " I do not have direct contact with my company. '' As you can plainly see this is a bald face lie and borders on the sanctimonious bull that scammers and politician use. I get company policy but I do not accept and will not be lied to without complaint. XXXX was the person I spoke with at the XXXX #.
There was black mold on my walls, I gave them 3 months to fix it. The complex never fixed it and the mold caused XXXX on my skin so I moved out. Then they charged me for breaking the lease but wont give me a breakdown of the receipt. I even agreed to pay them some even though i had to move out due to the condition of the apartment but they continually won't update my payment balance and want more money.
I have a a unverified account from MEDICAL DATA SYSTEMS INC # XXXX. I had previously disputed this account.I have already paid off all medical accounts.MEDICAL DATA SYSTEMS INC is in violation of HIPPA act laws by continuing to report negative information about an account that has already been handled and paid in full. I am in the process of buying a home and this account is still showing and Medical Data Systems no longer owns any of my personal medical records.
On Thursday XX/XX/XXXX - I applied for an online joint banking account for my husband and I was denied. I called to verify this on Monday XX/XX/XXXX. I have n't received a letter yet.
I went on-line to get a balance transfer from one credit card to another. 
I entered the wrong credit card number to transfer money from. 
I called the credit card company immediately after. 
They told me that they would not cancel the transaction even though it was still pending and the transfer would be made by wire about 5 to 7 days later.
In XX/XX/2019, I sent a debt validation letter stated, this is not a refusal to pay, I need them to validated this debt.
XXXX XXXX XXXX is report wrong information on my credit reports. The information that is being reported on my credit reports is false. XXXX XXXX XXXX is a collection agency, however they are representing themselves as a " factoring company '' on my credit reports. I have attempted to dispute directly with them but the refuse to take action. I have also never received a " dunning letter '' for XXXX stating that they own the debt and intend to start collecting practices. They have been reporting this account monthly for over a year.
I signed up for the Target  Red Card tha t is supposed to be a debit card. They sent a credit card. This is now a new credit product on our credit bureau that I do not want. Target is able to close the card, but not to remove it off our credit bureau. They also will not take away the commission that the Target associate received for fraudulently opening the card.
Discover ran a promotion for XXXX the miles on the Discover IT Miles credit card for purchases made using apple pay through XXXX XXXX, 2015 on up to {$10000.00} in purchases for a total maximum of XXXX miles. I spent more than {$10000.00} during the promotion but did not receive a significant portion of the miles. I contacted Discover and they are requesting that I submit receipts to verify that my purchases were eligible. I have never heard of a company forcing a customer to produce receipts for purchases. None of my transactions were cash advances, they were all purchases.
ACE payday loan said that I owe {$940.00} but if I paid them now it will be {$300.00} everytimethe e-mail me it a difference figure. Them me to go and get a XXXX gift card but I will not do it because I think it is a scam.This said them was going to take me to court and then it will be more. 
Thank! 
XXXX XXXX
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
XXXX is XXXX of XXXX accounts that reports perfect payment history on my equifax report but yet reflects as a charged off account in the comments remarks section on my report. How can a account be charged off but yet has a perfect payment history. This is inacurate false and misleading and has cause my overall credit file not reflect my true character.
On XXXX XXXX, my wife and I sent a letter to Experian that requested that they investigate errors on our credit report. My wife has already received her portion of the response from Experian, listing the corrections made. Unfortunately, I have not received a response to my portion of the request, and more than 30 days have transpired.
I wrote a check to my Local XXXX in XXXX NJ on XXXX/XXXX/15 for {$27.00}. The clerk told me he would have to keep my check and present it physically to the bank instead of by ACH, and could not return the check to XXXX know this sometimes happens. 
Check # XXXX was then presented on XXXX/XXXX/15, electronically. 
Check # XXXX was once again presented for payment physically on XXXX/XXXX/15. 
This was an error on the part of the merchant, and the bank ( Wells Fargo ) for paying out XXXX on the same check number for the same amount. 
When I brought this to Wells Fargo 's account and pointed out the error, I was told they had to present this to their " Claims '' department, and it would take them up to 10 days for review. 
I have never heard of such a thing!! They made a mistake, and it was brought to their attention! Why the problem with refunding my own money. It is so clear if you look at my checking account to see what happened. 
I mentioned to Wells Fargo what happens if I overdraw due to this money waiting to be refunded. Oh, of course, they say they will refund any fees, but good luck with that. Also, that amount missing in my account could cause me to overdraw more than XXXX item!! 
I live paycheck to paycheck, support my XXXX year old mother, and can not afford mistakes like this or the bank 's cavalier attitude towards correcting what is very clearly a mistake on their part. 
That is why I am reaching out to this agency. 
Well Fargo has a poor reputation, and loves to charge people fee after fee! 
I even have to pay a {$12.00} fee for them to transfer money from savings to checking in case of overdraw!! 

Is that right??? 
Why is this bank allowed to treat their customers this way? 

Pls help. 

Thank You, XXXX
I am a scam and Identity theft victim. In   XXXX   XXXX     two people scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the  XXXX   county DA office.  There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX .     There are  six  people that I know who have filed police reports on these  two  and we are all working together toward getting justice.     Now, I have disputed the charges on th e Barclaycard.  THESE CHARGES ARE FRAUDULENT.      XXXX   XXXX   AKA   XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX  applied for several account and auto loans without my permission. Barclay is one of those account that they opened up without my permission.     Despite numerous attempts to resolve this matter I am still being harassed to pay these fraudulent charges since   XXXX   XXXX   ( 10 months ) I will repeat myself. THESE ARE FRAUDULENT CHARGES. I suggest you take a look at their  XXXX  and see what they have been doing. Plus I am providing some picture from the  XXXX . Note the pictures are dated prior to scamming me, so they have been doing this a long time.     The credit bureaus have removed the accounts. Now I request that  Barclay  remove all fraudulent charges.     I am providing some additional information.     Check out the  XXXX  page. Scroll down all the way down. https :  XXXX  They boast about money and only criminals do this.     I have provided some pictures of the scammer and they bragging.     I just want it all to go away now.     PS : I can provide witnesses and their police report upon request.
Equifax mishandled my information, which puts me and countless other people at risk. According to their equifaxsecurity2017.com website I am a potential victim of the companies negligence in securing my data and reporting the breach in XX/XX/XXXX to consumers, and would like a resolution. The current " FREE '' option they are providing to protect the customers ties to it the release of my rights to hold the company liable for any damage their negligence cause to my identity or credit.