WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX i applied with navy fed credit union for a used auto loan. I was approved for {$38000.00} at 5.39 % interest for what i was told a XX/XX/XXXX or newer truck with less than 25k miles. I told then rep i was looking at a XXXX XXXX ltz with XXXX miles because it was a nicer truck and the lowest miles i could find outaide of new. She told me that the rate MAY change little but wouldnt go.higher than 5.9 or 6 % but with the low miles it should be 5.39 % ( i have this call recorded ) note the lowest rate offered on the said vehicles.is 4.09 % so i was close to the lowest. I said ok thanks send the cbeck. The details in the loan docs.where as she stated on the phone. Tuesday XX/XX/XXXX i purchased the XXXX XXXX   XXXX ltz with XXXX miles on it and.financed XXXX. When the dealer called to.verify the check and amount, they asked the navy fed rep if the rate would change, the rep replied that as of right now no it would stay at 5.39 % but they didnt know for sure untill its completed and closed. I said ok lets do the deal. Today sat XX/XX/XXXX i got onto my navy fed account and it shows they raised the rate to.9.69 % almost 5 percent higher than quoted. I contacted navy fed ( also recorded ) and was told there was nothing they could do. I dont understand how.they can raise tbe rate that high witbout my authorization as i wouldnt of bought the truck. I asked what the lowest available.rate was he said 4.09 % and i was approved for 5.39 % so.i asked how it goes up 5 % just because i bought a 2 year old vehicle with XXXX miles on it. ( note the truck is worth XXXX $ ) he said thats how.it works and refused to talk further. After this i started applying to refinance with other banks and was offered 4.5 % for 72 months. So as we can see its not a credit or debt problem. It seems like bait and switch or fraud to me. Now to refi i have to hurry up and pay sales tax to register and pay title fees, pay navy fed a XXXX loan origination fee, and the accrued interest so basically i was not only duped but im gon na be out XXXX $ in this whole ordeal. They should not be able to get away with this and lie. They had tbe opportunity to disclose the higher rate and refused to be honest which is fraud. I advised them i will be contacting this agency, the XXXX, and an attorney and i was hung up on. I have sent multiple emails to the loan department with no.response. i think they should either lower the rate back to 5.39 or because of the inconvenance and added stress they caused me match the 4.5 % offered by XXXX XXXX XXXX. If not they should remove all fees and interest so i can.just refinance the XXXX i borrowed so im not out money due to thier games. Im a XXXX vet and i expect a bank designed to help military to help us not hurt us. Just so its out there i have a credit card with them and i have NEVER missed a payment, and a XXXX $ auto loan i just paid off in exactly 1 year. Not one missed payment. I feel people should be aware of this when shopping. Thank you
I recently submitted a request to TransUnion as well as XXXX and XXXX to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also TransUnion totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. TransUnion updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.
Court ordered to refinance because of a divorce. My ex wifes history of late payments makes my ability to purchase a house impossible.
Hunter-Warfield was assigned a missed {$24.00} flex pay from XXXX which went unpaid when I did not not enter the renewal for my credit card with a new expiration date. They REFUSED to send me a written bill, They REFUSED to answer the phone. Then they REFUSED to answer my numerous voice messages that I left for them ... because hey its only {$24.00} bucks and they can not be bothered. Since they are so shady I REFUSE to make an automated payment. I will only pay by traceable check or money order. I am not going to place myself in a position where they are enabled to rob me and max out one of my cards or clear out my bank accounts. They are shady and frightening!
I keep getting calls from a XXXX at Chaplain Financial Services. Says I have committed fraud, but he ca n't tell me who the original creditor is. I have not received any mail from the creditor ( even though he says he has verified that I have received mail from them by contacting the Post Office ) He calls my work several times a day even though I have asked him not to. He has contacted my XXXX year old mother and my minor children several times a day. He tells them that I have committed fraud and that he is sending authorities to my place of business and home. I have called him and asked him several times to stop calling my work, and my family and to please send me any and all documentation of who and what I owe. I really have no idea who I could possibly owe. He also calls from several different phone # 's. The one he 's called from today is XXXX XXXX
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX  who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. Do not contact me via US mail. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Pressler & Pressler sent my job a wage garnishment without me knowing. I was only given 11 days and it's not right. This debt looks like it's from 2012 and they have never contacted me at the address on file to make payment arrangements. For them now to try and garnish my wages for a debt that was never verified or validated is wrong. This should be a violation of the Fair Debt Collection Practices Act and I am not sure why this is allowed.
I wrote the credit reporting company to dispute that they have a bankruptcy listed on my credit file. I asked for information on how they verified this to be my account that they are reporting incorrectly. They have responded that they verified that this is my account. They stated that this was verified and no change to my report. They indicated that it was verified by US Bankruptcy Court KY XXXX so I contacted the courts and they said that they do not verify anyone 's information and all my records are frozen so I want to know where they are obtaining this information. They are boldly reporting false information and reporting their false investigation methods.
I have been disputing a medical collection with Financial credit network for several months now that is not mine and i believe its due to my identity being used by someone other than myself. XXXX and XXXX  has removed the account from my credit file but XXXX is still reporting it and keeps sending me notices saying its verified.
I 've back and forth with these credit reporting bureaus, and they are just XXXX and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass XXXX I have not been able to achieve or get any promotion due to the false report of my credit files.
I filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX about 5 items on my credit report. As of XX/XX/XXXX, I still have not received any results of the investigation from Equifax, and the items remain on my report.
I have been contacted, interrogated and harrassed daily and numerous times a day and by a collection agency, XXXX XXXX located at XXXX XXXX XXXX, XXXX, NJ The phone numbers they are calling from is XXXX, XXXX, XXXX amongst others I can not retrieve The debt they claim I owe is for XXXX XXXX for a balance of mileage on a previous lease. I have never received a letter from this company however I do acknowledge the debt. I offered to pay {$50.00} per month and a man named XXXX refused to accept. He has repeatedly called my phone, my daughters ( who was a cosigner at the time ) and her husbands phone as well every day, several times per day. 
I am dealing with my sick husband at this time and can not deal with this harassment any further therefore would like to file a compliant. I have no problem trying to resolve this debt but will not tolerate the abuse and poor way I have been treated
On XX/XX/XXXX I contacted Capitol One to pay off my credit card balance which was {$290.00} The representative asked for my routing and account number to make the payment. I stated to the rep that I will be using my sister 's routing and account number to make the payment. The rep said it was ok and took the routing and account number. On XX/XX/XXXX I checked my account and noticed there was no payment made. I called Capital One to see why the payment didn't post. The rep stated that the routing and account number was not correct. I asked the rep why didn't they notify me of this issue and the rep informed me that they don't notify customers, it's up the the consumer to check their accounts. I asked the rep if he could repeat the account and routing number that was given to make the payment. The rep couldn't give me that information but stated they tried to take the payment from MY checking account and not my sisters. AGAIN i did not authorize the payment to be taken from my checking account. I spoke with a supervisor to express my dissatisfaction. The supervisor apologized and waived the late fee. I gave permission for my sister to speak with the supervisor to make a payment once again with the same account and routing number. I informed the supervisor that I would like to add my sister as an authorized user but I don't want to add her until my credit card reflected a XXXX balance. The supervisor took the payment. The next day I checked my credit card balance, it stated a XXXX balance, so I added my sister as an authorized user. On XX/XX/XXXX, I checked my credit card balance and noticed the payment still did not post! I viewed my checking account and noticed capital one attempted to take the payment once again from MY bank account! The funds were not in my checking account and this caused my bank account to go into the negative in addition, my account showed a " bounce check ''. I called back to speak to another supervisor who was not cooperative and refused give me the others supervisors name that took the payment. To this day there is still a balance on my credit card that I've tried to pay multiple times. My credit card balance is reporting 99 % and this situation has dropped my sisters credit score by 40 points. I've had this account for 11 years never late. I'm furious and this is unacceptable. 

Eventually i was given the supervisor 's agent ID # XXXX I really needed that payment to post before my cycle date ( XX/XX/XXXX ) for credit purposes. This situation has delayed my personal and business endeavors tremendously and again, I'm very dissatisfied and this is unacceptable.
Over the past few months, my mortgage company, NationStar, changed their name to '' XXXX XXXX ''. The shortly after, I received a notice that my mortgage ( which has a " fixed '' interest rate XXXX, was going to be going up by about XXXX, due to changes in the escrow account. I did pay XXXX 's mortgage at the increased rate because I had not had time to call them to get more specific information about the increase, but I did not want to be late with the mortgage in the mantime, so I paid it. I finally had time to call this evening, and reached a customer service rep who was very uninformed and struggling to tell me specifically what had caused the increase. Frustrated, I asked for his supervisor. After a long conversation with supervisor during which I had to press him quite a bit for reasons and explanations, it came out that around XXXX of the increase was due to an increase in taxes and/or insurance in my escrow account ( which I will verifywith the town and my insurance company ), but that the remaining approximately XXXX charge per month was an additional hedge against possible future increases in taxes and/or insurance. When I objected strongly that this did not seem reasonable at all, he finally let me know ( for the first time ) that this was actually optional and I could opt out. So somehow I went from a " shortfall '' to a surplus and now they will be reducing the monthly charge by XXXX and send me a refund of approx XXXX This whole thing was done is a very cagey and shifty manner. Had I not pressed to speak to a supervisor and also pushed back pretty hard and asked lots of questions about the additional charge, I never would have found out what it was or that it was actually optional and I could get them to take the charge off. This, I learned from a relative in the mortgage business, is not acceptable practice at all and possibly breaches certain regulatory requirements. He urged me to report it to you. This relative said, " Nationstar ( now XXXX XXXX XXXX has had issues in the industry with regulatory compliance, including XXXX. They may not be outwardly trying to commit fraud but their data integrity has been criticized enough by regulators to be fined, and you may be experiencing an impact to their data quality issues. Clearly their customer service stinks too. " Please note : the name of the supervisor that I spoke with is XXXX XXXX, or at least that is the name he gave me.
Wells Fargo calls me from different spoof numbers and from their main number. They call back to back repeatedly throughout the day. They first started to call back in XX/XX/2018. I have screenshots of the harrasing phone calls. They harass me, won't speak when I answer, hangs up on me and won't stop calling my phone. It has gotten to a point where I had to block their number but it will still show me when they would call. They call from their spoof number XXXX & also from XXXX. They have called me so many times that I would literally be writing for hours.
I currently use an app called XXXX which is a payday loan app that uses my bank account information to determine a line of credit. On the app there is a section that displays the bank account balance unfortunately it is not in real time I was in the forms that I could make this complaint to suggest that PNC ( which is the bank account I use ) Partners directly with XXXX so that real-time reporting of the balance can be achieved. This would benefit all other XXXX XXXX users who have PNC as it would inform you of WHEN the loan deposits to the account, expediting the process of knowing when the money is accessible so that requesting the loan and knowing when the money is accessible is taking place in one convenient location, within the XXXX app.
I Lost My Wallet XXXX XXXX, and On XXXX XXXX Someone Deposited a {$5000.00} Dollar Check in My Account Taking The {$5000.00} and My Money along With It Out Of My Checking {$800.00} and XXXX From My Saving and Payroll Check {$210.00} and I Called to Let Them Know! Done Everything Thing They asked Me To Do And Still Have n't Gotten My Funds Back! I Reported It All! I Really Thought My Funds Was Secured Have Been Banking With Navy Federal For Years! Just Moved To Texas Where There is No Navy Federal and Something Just Do n't Seem Right About This! Thank U
This collection agency called myself and my sister at XXXX. A voicemail left by a XXXX XXXX stated " giving you a call in regards to a petition of garnishment filed against you by XXXX XXXX. Prior to submitting the paperwork on your behalf I just want to go over with you because you do qualify for a settlement on the loan. '' This collection agency has no right to contact my family over an old debt. The agency also has no right to do ANYTHING legally on my behalf. They are not my lawyer and have no permission from me to act on my behalf. Also, according to my credit report, when this debt was sold to a collection agency, a payment was made that re-aged this debt illegally. The payment was made on XX/XX/2017 completely without my knowledge. I will also be filing a complaint with my state 's attorney General as well as New York state 's attorney general, and the XXXX. I will also be forwarding recordings of the voicemail on request.
Back in XX/XX/XXXX-XX/XX/XXXX I tried over and over to refinance my home after being put on permanent XXXX, having XXXX, XXXX XXXX, constantly be hospitalized and my taxes goin up ove 120 % over the past years we were forced to short sale our home. Wells Fargo just kept refusing me over and over forcing a short sale. They constantly asked for the same documentation over and over even after the acknowledged the receive end it. After having XXXX different buyers the house finally sold. The XXXX buyer it took them 9 months to constantly aske for the same paper work and then refuse & the XXXX was approved after about 6 months and I finally sold the home. Wells Fargo has me missing payments, which I did under direction of my lawyer because of the short sale was in contract XXXX with Wells Fargo getting paid in full and to keep up with taxes, maintenance, bills and medical expenses. I feel this should be removed so me and my family can go on with our lives. The hiccup on our credit report is an issue since we are going to be moving out of state for a better ccost of living.
Equifax has used a Third Party Company to obtain Tax Lien information from the local Court System. The Tax Lien showing on my Equifax Credit report in incorrect. The IRS has mixed my file with another person name of which they corrected. Equifax Credit Reporting Agency has refused to REMOVE this Tax Lien from my Credit report which is causing me serious damage. When I called Equifax Representative, I was information that they request this information using a Third Party. I informed them that this needs to be REMOVED because it is NOT correct.
I purchased a Reloadit Pack to add to my debit card and was not able to get the money transfer to my card because of the many difficulties trying to load through the website as instructed by them. They kept giving me the run around and basically many others are having the same problem according to the many reviews I 've read. 
1 : I could not get through the computer system 2 : they kept giving me the run around for two days 3 : they said it could take up to thirty days for a refund I believe I have been scammed like the many other bad reviews and do n't think I will receive my refund. Everyone should read the reviews before purchase because many others and I mean hundreds have had the same complaints with this company.
I had submitted five claims with Experian trying to get multiple inaccurate/ false late payments removed from my credit report. However, they kept saying, it verified, but in reality Experian never contacted my former mortgage company XXXX, because when I called them they referred me back to EXPERIAN. I even get a letter from them say I NEVER LATE. 
XXXX and XXXX are removed the late payment, but Experian would not removed the late payment from my credit report. 
I don't know what to do right now? 
Please, somebody help me? 
Do I need to contact someone else? 
Now Experian won't even allow me to make another dispute online, while they won't show me any document from XXXX. 

I don't know what to do at this time! 
All I need is for Experian to do it job. 
Thank you.
OCWEN MORTGAGE CONTINUES TO HARASS ME AND REPORT FALSE INFORMATION TO THE CREDIT BUREA THAT IS NOT TRUE. I WAS IN CHAPTER XXXX FROM XXXX XXXX UNITL XXXX/XXXX/XXXX OCWEN MORTAGE BROUGHT MY MORTGAGE XX/XX/XXXX THEY ARE REPORTING MY MORTGAGE LATE 30 DAYS AND 180 DAYS MY ACCOUNT HAS NOT BEEN LATE
XXXX is reporting a charged-off account with a balance of {$1000.00} with a high balance of {$1400.00} on my credit report. I do not understand how they came to this balance considering that this was a {$500.00} secured credit card. A card on which I put down a {$500.00} deposit which I never received back. Please have XXXX provide me statements for the account corroborating the balance that they are reporting on this account as well as the high balance. How could I charge up {$1400.00} on a {$500.00} credit card? I am requesting this information based on 623 - 15 U.S.C. 1681s-2 ( C ) ( i ) " included on or with any notice of default, any billing statement, or any other materials provided to the customer ''.
I send money to my Coinbase account I am waiting for wire transfers dated XXXX XXXX XXXX 2018 over 1000 It has been over two entire weeks since the first request and I have not received anything. I tried all Mail adresses for support available.Even the phone number is not working. Not even one anwser. I opened 3 cases on the company site and explained my situation. Also no anwser.
API calls themselves a " Mediation Firm. '' This is a euphemism for a debt collector. They have called my number ( above ) numerous times during work hours. Thirty minutes ago, they left a message with my employer. Twice within the last 48 hours, they called my mother in Florida. Several of the voice mails for me reference that " I have a decision to make '' after stating the license and make of my vehicles. The lady with whom I spoke on the phone a few moments ago was incredibly rude after I asked her company to provide me a " validation of debt letter. '' She said they emailed one. They did a few weeks ago. I requested, per law, that her company send it through the US mail. She replied, " What, now you 're an expert on Fair Trade Law! You 're a professional debtor! '' Then she hung up. The case number in reference is XXXX. Before I got mad on the phone, I asked if we could be congenial since there are Fair Trade Practices for debt collectors, or as she calls them " mediation firms. '' She remained ugly on the phone. As stated, they have called me multiple times and left threatening messages ; they have called family members multiple times. Enough phone harassment.
I have tried to close my XXXX XXXX account with XXXX XXXX multiple times. My first time closing the account was at the end of XX/XX/XXXX, and I have tired closing it two additional times this most recent time is last Wednesday XX/XX/XXXX. I have not made a purchase using this card in over a year. The XXXX store no longer exists When closing the account I call the company and they assure me that everything is taken care of. After getting the confirmation over the phone after each account closing conversation, I continue to receive paper billing from XXXX and notifications about due payments. This has repeated itself from XX/XX/XXXX-now. When I receive these notices I call XXXX and they clear the charges and ask for the account to be closed. Then the cycle begins again with me getting notices about account payments. Now, my credit score has been effected. XXXX XXXX has filed a late payment on my credit history and my score has dropped. Not only has this been a nightmare of something to deal with, but now my credit score has dropped. I would like this to be corrected, and I would like to know if I am able to pursue legal action.