WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/18 - My mortgage is with XXXX XXXX ( based in Tennessee ), and I called to make a payment arrangement. I am only 1 payment behind. The person that I was speaking to was extremely rude, and berating towards me. Comments such as " You are taking advantage of our kindness '', Comments about my integrity as a person, and threatening to take my home if I do n't make a payment in 4 hours. I attempted to explain my unforeseen circumstances, but I was constantly interrupted. I have been a customer for over 7 years, and I have been repeatedly spoken to in a degrading manner. I understand mortgage companies have a job, but to be berating me like a child is completely unacceptable. 
Thank you for you time.
TRANSUNION IS NOT INVESTIGATING MY DISPUTES! THEY ARE SEND ME FAKE RESULTS AND NOT CONTACTING THE SOURCE AT HAND! 



The Following Accounts Do Not Belong to Me! Please Delete them! XXXX XXXX # XXXX - This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine. Chapter XXXX Bankruptcy Docket #  XXXX The Docket Number is Incorrect! XXXX XXXX XXXX XXXX # XXXX This Account Is Not Mine! XXXX XXXX # XXXX This Account is Not mine! XXXX XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX XXXX # XXXX-This Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Dated Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened:XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine.
I signed up for the a Capital One 360 Money Market account with offer code XXXX for a {$500.00} account bonus. I deposited the required amount between XX/XX/XXXX and XX/XX/XXXX. Capital One 's fine print states that they will deposit the bonus within 60 days. I have still not gotten the bonus as of XX/XX/XXXX. I called on XX/XX/XXXX and was told that I must maintain the required deposit amount as a balance. No where is that stated on the original offer yet the CSRs kept telling that is a requirement. Capital One is not honoring their sign up bonus by retroactively adding terms. Attached is the full page of original terms.
I had XXXX late payment back in XXXX to Target. Since then, every month when I make my on time payment they hold that payment for 2 weeks before it is applied to my account. I have called and spoken to the Manager to no avail. She says that is their policy when you have a late payment. I do not agree with this because the payment has already been deducted from my checking account. They will not take my word for it unless we have a conference call to my bank to verify this which is a long process. This is XXXX and I made my payment and was told the same thing again. Someone needs to change their policy regarding this. Maybe you can do something. I only had that XXXX late payment and only late by one day.
I got a auto loan for a car at 17 % interest..as the months passed into years I noticed my balance is still almost the same as when I first got the loan. I come to find out Im being charged daily interest and at this rate it will be impossible to pay off the loan. They tricked me into a Auto loan that is impossible to pay off
I went into a Jared Jewelry Store at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.
Hello, I have received a mail dated back to XXXX/XXXX/2013 for a debt collection of the amount of {$170.00} from the Bank of America. 

I was never aware or notified of this debt by the bank. I believe this to be an unfair practice as I have never been notified or warned that this unknown debt would be sent straight to the collection agency XXXX XXXX XXXX. 

Not once have the collectors contacted me about this debt I owe to the Bank of America and now I receive this mail stating that I owe a certain amount without any reason as to why. If this were true and they communicated with me in an appropriate manner, I would have payed this off immediately without hesitating as this would affect my credit immensely.
I received a call about a loan forgiveness program. I gave some information, but nothing too vital. The caller then hung up on me. I think it may have been a scammer. Not sure if they got what they wanted from me or not. The number was XXXX
I mailed letters by certified mail to Fifth Third Bank. They are reporting that the account was included in bankruptcy. This information is NOT correct. The account was paid in full and never included in any bankruptcy. Instead of correcting this, they have placed a HARD inquiry on my credit report without my knowledge, consent or authorization. Which now it will take me months to get this fraudulent inquiry removed. They are damaging my credit with their fraudulent reporting. Because they are unable and unwilling to correct the account on my credit report I want it deleted because it is in violation of federal law. I want the hard inquiry deleted as it is in violation of federal law. They have 2 options here delete their slander from my credit report, or go to court and have a judge force them to remove their slander and pay me for damages, plus pay court and attorney fees.
I applied for a Vehicle loan and was turned down because XXXX XXXX reported debts I knew nothing about, XXXX XXXX sent a debt letter to a third party, address I don't live. 

Under the Fair Debt Collection Protection Act, a debt collector can not disclose personal information to a third party without the written signed consent of the consumer.

Also under the same act, A debt collector by law has to give the consumer 30-days to dispute, and ask for validation.If not then the debt collector must delete the debt  for good. 

but instead, XXXX placed the debt on all three of my credit reports. 

Also violations under the North Carolina Consumer Protection Act.
On XXXX XXXX,2017 I sent a request for Investigation of  unauthorized inquiries letter to Transunion. I advised that I did not authorize my credit to be pulled and reviewed for any reason. I did not hear back from Transunion in regards to the matter so I sent another letter certified mail which was stamped by Transunion received on X/XX/2017. Instead of the investigation results I received a letter explaining me the difference between hard and soft inquiries. There was no validation or result of the investigation I requested now twice. So again I sent another letter certified mail that they stamped received on X/X/2017. I 've made numerous attempts to contact the company. Today X/XX/2017 I called and spoke to a rep and inquired about the unauthorized inquiries and why an investigation was n't conducted and was advised they are paid by the companies that they are investigating and they pretty much take the fact it was reported as verification. This to me is extremely wrong and against my rights pertaining to the FCRA section 604. Simply not responding is not a solution.
A recurring charge keeps appearing, originally from XXXX, on my XXXX and Experian reports. I had reported it once a couple of years ago, then it appeared again under the guise of another company. I provided proof that I never had XXXX at my address, that I had another service not related and it was n't even under my name originally, I had to redo that after my ex moved out It was under XXXX XXXX at the time from XX/XX/XXXX through XX/XX/XXXX. Unfortunately, XXXX wo n't let me access back that far again, but they should still have the original information on file. I provided bank account history, utilities, and billing history from XXXX, who was my provider at the time. At any rate, I could provide proof that I did n't have or even need XXXX at they time this company reported me. I even provided a copy of the resolution letter they had sent me the first time, telling me that it was removed. All to no avail. I have been a victim of identity theft in the past and I am afraid this nightmare might not be over. Please help!
There is a tax lien on my credit report with XXXX XXXX XXXX, docket XXXX for a federal tax lien in the amount of {$21000.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to IRS to get this federal tax lien verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I have not received XXXX document that shows this account is owed bearing my name, address, birth date, social security number, or anything with my signature on it. I was even told by the court house that they do not report to the credit bureaus so how can this be reported?
I have sent 3 certified letters to XXXX, experian, and XXXX  regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. XXXX, experian, and XXXX  is reporting inaccurate information regarding this account. This is a violation of the FCRA law.
I disputed the accuracy of the payment history and past due amount being reported for my child support. The bureau claims to have verified the validity of the debt. I sent in supporting documents showing that the information being reported is inaccurate. The inaccuracy of the payment history and balance on this account has caused my credit scores to either come to a stand still with XXXX credit bureau and decrease with the others. The documents that I sent came from the courts as well as my check stubs showing the amount of child support being debited from my check weekly. This has caused a serious financial hardship on my credit with potential lenders. I am in the process of getting ready to apply for a mortgage and the inaccuracy of this account is causing my credit scores to decrease. My monthly payment amount is actually {$850.00}. {$190.00} of which is taken out of my check weekly. I will attach the documents sent to the bureau. The child support is listed at other deduction XXXX on my check stub. Looking at the year to date amount and the month of the stub divided by the amount owed, I am up to date with my child support.
In XXXX, We refinanced our mortgage through XXXX XXXX which sold it to Countrywide which was absorbed by Bank of America. After having our second child we tried to sell our home to find something larger to no avail as the market came crumbling down. Bank of America ignored our calls and requests for over 12 months regarding loss mitigation options. Finally they told us they could n't discuss any options with us because we were current. In XX/XX/XXXX we stopped paying the Mortgage. We were told by Bank of America that we needed to find buyers if we wanted a Short Sale and we did on multiple occasions only to have BOA back out or not respond. We were forced to repeat this process numerous times to no avail. After we found a larger property to rent, Bank of America changed the locks barring us from entering the property XX/XX/XXXX / XX/XX/XXXX. We still tried to work with them but every 2 months they would say they were missing paperwork and the process needed to start over from scratch. In XX/XX/XXXX we filed Bankruptcy hoping that would give us a reprieve from BOA and the largely upside down property. We were discharged from bankruptcy XX/XX/XXXX. Unbeknownst to us, We now do not qualify for a new mortgage because A. we have a recent bankruptcy B. the property is still in my wife 's name ( even though the locks have been changed ) C. We get demand letters from the Condo Association regarding unpaid fees ( as BOA still has yet to foreclose the property ). 
We want to move on with our lives but there does not seem to be a way to do so ... Furthermore we will not qualify as 1st time home buyers when our Bankruptcy discharge hits 3 years, because BOA has refused to finalize the process they started 6 years ago.
On XX/XX/XXXX and XX/XX/XXXX, submitted an application with XXXX for the XXXX Holidays. And I submitted an application for Healthcare. 
I am a senior citizen and on a fixed income. Experian is preventing me from getting healthcare insurance. 

I was given a code : XXXX. The representative wasn't able to to verify my identity. 

The only thing correct about me was one of my employers. 
1. In XX/XX/XXXX, I was employed with XXXX XXXX 2. XX/XX/XXXX-XX/XX/XXXX I was employed with XXXX 's XXXX. I was employed with XXXX 's on XXXX XXXX. 
3. XX/XX/XXXX-XX/XX/XXXX I was employed with XXXX XXXX  XXXX & XXXX XXXX 

I was born in XXXX County/XXXX TN. 
You have telephone numbers that all began with area code ( XXXX ). I have no Idea where that's located. 
I have a bankruptcy case number from XX/XX/XXXX- ( XXXX ). I was asked certain digits, that we're none of the above. I had a XXXX & XXXX   bill on my report ( XXXX ), have been paid on. The property was at XXXX XXXX, XXXX XXXX TN XXXX. I have a new account number, because I have another place to live. I've sent you a copy of the new bill. I've expressed on several occasions, that I am a victim of identity theft/fraud. The court records are public and this information can be verified, if you take time and investigate. I've reported the abuse to IRS, FTC, and every enitity I can possibly think of. Someone have created EIN numbers using my personal information.
Erroneous credit reporting on my credit report and that of my wife. XX/XX/XXXX my wife and I filed a BK XXXX and concurrently were in a loan modification that was later approved. I am trying to use my VA loan for a home only to be told that we are shown as making late payments from XX/XX/XXXX until later in that same year roughly XX/XX/XXXX I believe. This is after the BK XXXX. We did everything and never made late payments but are being told that although we were paying as instructed on the modification we are still considered making late payments which is unfair to us. What would have been the sense of saving our house if we knew we would have known the lender was reporting our payments as late through our modification agreement. I have more to add but hopefully will be able to get the negative remarks off of our credit reports. I am a Veteran and feel slighted with this action. Thank you XXXX XXXX XXXX
My XXXX mortgage was originally with XXXX XXXX XXXX, who went out of business and the servicing of my loan was transferred to Franklin Credit aka XXXX. They have been nothing but a nightmare refusing assistance unless it is in the form of usury. They refuse to comply with California Statues, specifically, the HBOR. My wife and I were so nervous we completed the application for mortgage assistance incorrectly stating the yearly amiount of income the column which called for monthly. Based on that mistake, Franklin Credit demanded {$24000.00} down and {$1400.00} a month on a {$110000.00} which was originally {$70000.00} and when we emerged from bankruptcy it was only {$56000.00}. I explained the mistake to Franklin Credit who refused to give me another application stating it was too bad and that the loan was recasting. My calculation shows {$110000.00} is at 9 % for 120 months ( 10 years ) however, my original note was only at 8 % for 30 years and my original payment was {$600.00} a month. Furthermore, Franklin does not indicate where the {$24000.00} dollars requested would be applied to. These tactics have XXXX my wife and out, my total monthly income is only {$7000.00} a month.
I filed a direct dispute with Transunion XXXX XXXX XXXX for 8 accounts. 6 that are fraudulently open ( {$150.00}, {$200.00}, {$2000.00}, {$900.00}, {$69.00}, {$1300.00} ) ; due to stolen identity, and the other 2 ( {$14000.00}, {$7800.00} ) which the amount owed is incorrect. It has been longer than the 30 days that the law requires. I called Transunion on XX/X/17, to follow up on my dispute, they were unable to help me and gave me the same file number after the agent told me he redid my dispute. He did not want to email me the information nor give me any information regarding my dispute. The agent was very rude and could not understand me. He Kept repeating the same thing over and over. It was very hard to understand his accent as well. Nothing was resolved or even token care of.
" Based on the information provided, we believe that your personal information may have been impacted by this incident. '' May? 

So Equifax did n't protect my data, sold their stock before releasing the bad news about the hack, and are trying to XXXX me out of my rights to a lawsuit with their arbitration clause.
There are 2 accounts that are appearing on my credit report from XXXX XXXX XXXX XXXX On XX/XX/2018 I sent them a request asking them to validate that these 2 were my accounts such as a contract or application. To this day I have not received anything from them. I did send out the letter certified mail so I do have proof that they did receive it.
On multiple occasions I noticed XXXX and XXXX XXXX online retailer their reporting of a XXXX balance is incorrect and should be deleted from my credit report. I opened an account in XX/XX/2010. Had it for 1 year paid for items received. I ordered holiday items a couple of years later. The items were poor quality. I returned the items via USPS. I called because the credit to my XXXX XXXX account was less than what I returned. company representatives advised all the items were not in the box. I advised them they should check their warehouse, post office but I returned all. The fact they had some of the returns should warrant an internal investigation. No one looked into the matter. I sent letters to the company and the credit bureau. All responded the debt was verified disregarding I returned the items but the company stated it was a partial return. XXXX in more than one case sides with the corporation disregarding proof of error.
On my XXXX Credit Report, Experian Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX Credit Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.
I was made aware that an individual illegally gained access to my US Bank checking account on XXXX XXXX, 2017. The way I was made aware was by receiving a series of death threats over my landline telephone because I had {$3000.00} that belonged to this person. About the same time I received 9 emails from US Bank that my PIN was changed, my DOB was changed, my security questions were changed, my password was changed, and that the check I deposited over the mobile app in the amount of {$2900.00} was successfully deposited. I made no such deposit, and have never utilized the US Bank phone application. The police were called and relevant reports were filed. 

I explained to the bank that I had received death threats pertaining to this incident, and requested a very thorough investigation as well as all information pertaining to the check in question. The bank verified the check was fraudulent, but refused to give me any further information, including how an individual was able to use their mobile app to break into my account, the location of the cellular phone used to illegally gain access to and deposit a check into my account, the type of cell phone used, and for how long the individual had been accessing my account. Instead the bank closed my account without notifying me or providing compensation for the money left in the account, and now refuses to answer any inquiries into this matter.
Several months ago, I called Navient to update the bank account on file for my automatic payments. I 'm in a program, where I pay a lower amount with automatic withdrawals. I also changed the payment date for that month. The rep that I spoke with did not update the bank account on file. Once I realized what happend, I was over a month behind or more. When I called Navient, the only help I was offered to stay in the payment program is to set up new payment dates, update the bank account on file. Which I did. I was told, that I can do a forbearance once the program expires in several months on the past due balance. I was also told the collection calls to me and my co-signer ( My Mom ) would stop. Several weeks to a month later, Navient began calling my Mom at work several times a day, making false statements that my payments are not going through, they are declined due to a wrong credit card number ( I do n't pay with credit cards ). They are demanding that she makes my student loan payment. 

I called Navient back. The rep I spoke with was very rude. She advised, that she will not stop the phone calls to me, or my Mother at work. I explained that I am in a repayment program, with future payments scheduled. She said, she will not stop the calls to Mom at work ( that 's a violation of the fair debt collection act ). My Mom, keeps getting phone calls each day, despite me having payments set up. Navient is also discussing other loans, without her name on the loans with my Mom, discussing my overall balance, amount owed and etc. Also, after 3-4 years of making payments, my balance has n't even went down on my loans, it has instead increased.
They then put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never one late payment so why would I have one now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have one late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never one late payment? This pertains to account number ending in XXXX. Thank you