WillisBack/dataset-financial-user-claim huggingface dataset:
I did not open the XXXX car loan. I have disputed the case but it reports as accurate. I filed a complaint XX/XX/2017
Dear CFPB, I entered into a VA Home loan on XX/XX/XXXX with Guaranteed Rates. I knew that with the VA Loan there wasn't suppose to be any PMI.I had a couple of house that fell through due to cash deals or issue unresolved with the home inspection. The House I bought was done so sight unseen as I was in a crunch to move down from XXXX to XXXX. 

During the closing at XXXX  XXXX in XXXX XXXX the paper showed a PMI and Escrow. I mentioned that to the Title company and they gave me a song and dance so I called XXXX XXXX at Guaranteed Rates and he to gave me a song and dance about it had to be on there because of the value of the house. 

I signed the paperwork and then continued to question them on why it was on there when every I spoke to at Banks said it should be on there because its VA Home Loan and the PMI isn't suppose to be on there. 

Well the end of XXXX I received a letter from them saying that XXXX XXXX XXXXXXXX who was the presenter servicer of the mortgage had sold my loan to XXXX XXXX XXXX. I wasn't aware and had never been informed that mortgage wasn't serviced by Guaranteed Rates. 

I've now reached out to my new mortgage company only to find out that XXXX XXXX XXXX isn't handling the mortgage and its actually XXXXXXXX XXXX   that is handling my account. 

The letter from Guaranteed Rates stated not to pay them as the mortgage would be taken over by XXXX XXXX. I have yet to receive any paperwork about my account from XXXX XXXX. I XXXX XXXX on XX/XX/2018 to make arrangements to pay them but they couldn't help since they didn't have my paperwork. I was told by XXXX XXXX at the PA HQ that he would call me back on the XXXX but I have yet to hear from him. 

So I called and spoke to a guy named XXXX who informed me that my information was received on the XXXX and that it was due. He then proceeded to tell me that they are a debt collector. 

The reviews online show a history of predator practices so I need to know what steps or actions can I take to protect myself with this new company and to file a complaint against Guaranteed Rates for collect the PMI ( Which I have felt they were skimming money from ) and their lack of transparency about who the money from my payment was actually going to. 

Sincerely XXXX XXXX XXXX XXXX
Im having some difficulty with Equifax as they are the only company reporting these adverse information that I will list below, one they take very long in replying to disputes, and the outcomes as been Luke warm at best even when Ive supplied numerous documentation to support my claims, Ive sent them documentation saying a creditor as agreed that the account was to be removed because it does not belong to me and the letter came from the furnisher and it seems as if it was overlooked, now I know they have a difficult job and a lot going on but in all that I just need my credit profile to be handled correctly ... 

The folling accounts was disputed and asked to be removed, because these companies have told me they have no information and have asked for the account to be removed for some reason Equifax have failed to complying : I NEED THESE XXXX ACCOUNTS OFF MY FILE 1.XXXX XXXX {$580.00} 2. XXXX : {$0.00} charged off company says they are new and do not know about this debt, its with XXXX XXXX and they are not associated any more 3. XXXX : this company sent a letter and I sent it to Equifax and still nothing as far as deletion {$490.00} 4.XXXX XXXX XXXX  XXXX XXXX XXXX this company agreed to remove this account {$0.00} 5. XXXX XXXX XXXX : this company agreed to remove this account {$0.00} 6. XXXX XXXX : this company said they sold and are associated with XXXX XXXX {$0.00}, told me they cant verify the account and it should have been deleted ... 

***** the issue is I sent supporting documentation to equifax proving this information is reporting no where else but with them everyone got the memo but Equifax, I think E-OSCAR VERIFICATION is causing them some problems, they need to manual review my dispute and manual look at what the creditor is replying to ; codes do not work .... Ive relentlessly contacted equifax and I need the matter to be resolved
Getting continues robocalls to my home phone number from XXXX debt collection asking me to call XXXX or XXXX. When I call these numbers they do n't provide any information and they keep on asking me my personal information. They do n't provide anything in writing and I do n't owe any dept.
I applied for a loan with this company and the finance charge and interest was not what was stated to me. I have not signed any of the documents electronically. I want them to clarify the {$100000.00} insurance policy and payments made to agency that I was unaware of until I was able to read some of this contract that I have yet to electronically sign. As well as a title of my vehicle for loan, in addition to the {>= $1,000,000} dollar LIFE Insurance policy. Why do I need all of this on me for a {$7000.00} dollar loan? I was charged double finance charge and interest on this loan. This occurred on XXXX XXXX, 2017. I am a XXXX years of age and have been in the military. I just recently retired with 33 years of XXXX and military service. Please advise. I appreciate your time and concern with this matter.
I HAVE BEEN DIPSUTING MY CREDIT REPORT AND HAVE PUT A FREEZE ON ALL THREE CREDIT REPORTS FOR FRAUDLENT ACTIVITY AND TRYING TO DELETE THE INCORRECT ADDRESS AND TELEPHONE NUMBERS AND NAMES FROM MY CREDIT REPORTS, I HAVE UPLOADED REQUESTS XX/XX/2018, I HAVE FAXED REQUESTS AND ENT CERTIFIED MAIL XX/XX/2018 AND RECIVED A RECIVED RECIPET DATE XX/XX/2018.
I attempted to refinance my mortgage. I was emailed documents to sign electronically to continue with the loan process. In the documents it stated a XXXX dollar loan amount instead of the XXXX dollar loan amount. The company refused to correct the issue and told me to just sign the XXXX dollar document.
On XX/XX/2017 account # XXXX was closed by BB & T. This was done without my knowledge or consent. I received a letter from BB & T on XX/XX/2017 explaining that they were going to close account # XXXX. The letter dated XX/XX/XXXX did not arrive at my door until XX/XX/2017 explaining that I had seven days to bring the account current. It did not mention account # XXXX that was in good standing with {$0.00} balance after a XXXX from BB & T illegally and without court order removed {$400.00} from this account. I believe that the closure of this account was meant as harassment by XXXX.
I have been trying to get my credit report from tranunion online for over three months, I have spent in excess of 20 hours on the phone with them. I keep getting an error saying they ca n't access my account with the information supplied, it does not ask for any information just ask me to log in, I have verferd the correct address is on file with them my name is spelled right. Trans union keeps saying try in 24 hours yesterday they said someone would call me within 24 hours and no one every did.
i am aware that Ocwen Loan Servicing, llc has violated the CFPA, FDCPA and RESPA. I am also aware that CFPD has filed a enforcement action against Ocwen in XX/XX/. My XXXX account is XXXX. Ocwen continue to make my payments late by posting them days late. They have done this continually for years. They got XXXX payment on XXXX this year, but sent me a letter dated XX/XX/ saying they had not received it yet. They did the same thing in XXXX this year. Sent me a letter XXXX XXXX saying they had not got a payment, but again they gotten it before XXXX. 
They also claim that I now owe over {$6000.00} in late fees. I am requesting a breakdown of all late fees.
I have sent validation letters asking them for original signed documentation of this account belonging to me. when I call and talked to them I am told that they no longer have the documents. 

I have asked XXXX TransUnion XXXX to validate as well but they fail to do so. They tell me that I have to talk to the Creditor XXXX. XXXX TransUnion XXXX are suppose to have correct information to report negative items on my report. 

account number : XXXX Unverified Account
I filed a debit card dispute with Capital One on or around XXXX, a fraudulent charge in the amount of XXXX, XXXX on XXXX, this is an XXXX purchase and is not on my XXXX account. XXXX and XXXX both advised me to dispute charge with my bank, Capital One, which I have done. Capital One reps included a supervisor in charge have referred me back to XXXXXXXX to resolve this. On the other hand, I 've also been told they are working on dispute and can take up to XXXX business days. The item ordered appears to be an XXXX XXXX, which was returned/refused, a tracking number was provided via secure message on capitalone.com. The last dispute rep, XXXX, was rude by stating he would no longer reply to messages. Item is not in my possession, refuse to pay for it. At one time, a temporary credit was issued, later reversed as again, XXXX refused to reply to messages or look into it further.
In XX/XX/2007, I attended the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL. It was funded by Sallie Mae, and I was not provided with complete copies of Sallie Maes contract. I only attended one semester, and that school has been salvaged into XXXX XXXX college. It was hit with affect of the housing collapse. Since the transfer to Navient, I now have both old Sallie Mae information and Navient information reporting on my credit file. I made a simple request :  please provide me with a copy of the original instrument of indebtedness in its original form, and after 2 months of waiting, I receive a questionable looking promissory note that has NO SIGNATURES, just a typed Robo-sign. Its not notarized and it also looks to have had white out used on it then re-copied and mailed. They also show no chain of custody paperwork between them and Sallie Mae. There is nothing to verify these figures they are reporting against me.
I have never provided my written authorization to First Federal Credit Control to have access to my medical files and records. They have clearly violated my H.I.P.P.A rights and destroyed my credit. 
I DO NOT have a contract, written nor verbal regarding the debt they are claiming I owe. 
I have tried to resolve this issue with FIRST FEDERAL CREDIT CONTROL but they are careless and have no respect for the rule of law. I don't owe them anything, I don't have a contract or financial obligation with them whatsoever. 
They must DELETE the NEGATIVE info they have put in my XXXX XXXX XXXX.
Our family went on a one week vacation to an XXXX XXXX at the end of XX/XX/2018. We were offered a presentation to join the XXXX XXXX and given a list of many benefits and ultimately joined the membership on XX/XX/2018, paying a deposit of {$2700.00} with expected monthly payments of about {$200.00} for 24 months. Upon our return home we reviewed the documents regarding the membership and realized the language in the contract was vague and not consistent with the information provided to us during the presentation nor with the initial documents we reviewed. I also attempted to log into their website and was unable to. In the process I discovered a consumer website with disgruntled customers stating the benefits of the club are a scam. I reviewed the XXXX and realized their rating is an XXXX I immediately contacted the XXXX XXXX XXXX XXXX on XXXX XXXX and requested cancellation. I was told the benefits were accurate but the contract merely doesn't read that way and to rest assured it was a good program. I insisted to cancel and was asked to write an official request and email it to their member services department. I did this on XX/XX/XXXX. I also contacted my bank on XX/XX/XXXX and filed a claim. In the interim I was contacted by a person from the XXXX, XXXX XXXX, and he continued to ask me to remain a member, stated I was unable to cancel past five days of signing the contract, and no new contract was offered. I continued to express my concerns though several emails and he continued to state I was unable to cancel. My bank has now informed me that my claim is valid and my deposit monies were returned to my credit card. I emailed XXXX XXXX again and again requested cancellation based on my banks determination of my claim and no use of services. He has not responded but I am now getting letters from XXXX, a debt collector. I attempted to call XXXX on XX/XX/XXXX but they stated they needed to verify multiple pieces of personal information before they could discuss the issue at any level. I was not comfortable disclosing the information requested as I don't know this company and I have not dealt with debt collectors before. I gave them my name, address and account number listed on their letter to me and they said they still could not use that information to verify me. The call was ended as they insisted on getting additional information prior to discussing the matter. The letter from XXXX states non-payment may result in garnishment of social security, veterans  pay, wages/salary, and credit bureau reporting as they are a collections company. I would like to clarify how this company is sending me to collections for an account I repeatedly have requested closed and my bank has agreed is not a valid charge.
I received an alert on my XXXX and TransUnion credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from XXXX XXXX.
I have been paying back student loans with Nelnet for years. However, in XX/XX/2018 they changed their policies and applied my payments to interest and principal on only one group of loans, instead of both. This made it look like I was paying down much more of the principal according to tax documents filed, and paying less interest than that which was actually accruing. 

But according to their policy, the interest continued to accrue on the other set of loans on the order of over {$2300.00} that year. So, while I paid about {$5000.00} last year into the account, it looks like I only paid interest of {$810.00}. This is simply not true, since the interest continued to build up, they just reapplied it back into the principal. Essentially, I am now POORER because I can not deduct the amount of interest I actually was supposed to be paying all along on my taxes. They claim it helps to pay off my loans more quickly, but that is not true, since both groups of loans have the exact same interest rate, and interest continued to build on the other account, but their policy in place did not apply my monthly payments to that account 's interest. 

This is a terrible policy that ultimately could make a lot of other borrowers poorer in the long run, like myself. This should not happen, and in fact, represents negligent business and loan practices. They told me they could not amend my 1098 E until next year, but the limit is {$2500.00} for interest per year, so even next year, I will not get the benefit of the full tax deduction that should have been in place this tax year. This kind of financial action should be illegal, if it is not already. Please save others from such a fate.
To summarize what follows: HSBC took a month to complete a balance transfer, even though their only communication with me regarding a time frame for such a transfer predicted 7-10 days. They have stonewalled my complaints, even though I lost money in this time period in the form of interest. I also experienced a lowering of my credit score, because HSBC posted the transfer to my account the day I requested it, despite not paying the other credit card company; my utilized credit doubled. I am looking for new housing, and lowering my credit score has made this process more difficult than it should be for me. After it is completed, I want to have this balance transfer forgiven in full by HSBC, to make up for the money and credit lost due to their delay and false communications.*****************************************************************************************************I initiated a balance transfer from HSBC to XXXX  on XX/XX/XXXX. The attached email confirms this transfer, and states that it should have been completed in 7-10 days.After almost a month without the transfer being sent from HSBC—even though they charged the balance to my account immediately—I called to ask what the delay was. I then was told on XX/XX/XXXX that I would receive a status update for my inquiry on XX/XX/XXXX.After not receiving an update, I called back on the XX/XX/XXXX, and was transferred four times to reach my original customer service representative, with ID# XXXX. He told me that HSBC sent the transfer to XXXX on XX/XX/XXXX, exactly 28 days after my request. He stated that it is HSBC's policy to send balance transfers within 28 days.Nowhere in the terms of service is there a 28-day window for balance transfers. The only guidance is in the attached email, giving a 7-10 day window. I then asked to speak with the balance transfer team. He said that he does not know the phone number, he does not know anyone who knows the phone number, and he does not know any way to send me to someone who knows the phone number. I then asked him to have his supervisor call me, to which he responded that it would only take one minute on hold. I waited for nearly half an hour before hanging up and writing this complaint.For the reasons in my first paragraph, this delay is directly contrary to HSBC's communication with me and has severely inconvenienced me financially and through my credit. Once XXXX receives the payment, I want the transfer to be credited to my HSBC account in full.
There was an outstanding balance owed by my ex-wife at a dentist for our children. The dentist forwarded the debt to a debt collector in XX/XX/XXXX and when I was contacted I immediately payed the debt. In XX/XX/XXXX the debt collector added a collection to my credit report for {$720.00} and refuses to remove it. I contacted the dentist office and they report they have not received the money I paid to the debt collector. Also the balance was only {$470.00} yet I paid {$610.00}. The dentist office was supposed to take care of this error but they refuse to answer my phone calls and the debt collector hangs up on me.
XXXX XXXX never notified me sending my escrow balance check. I followed up with them repeatedly and their departments are giving me run around. It has been more than month and a half and I am still struggling to resolve the issue. Last I spoke with someone named XXXX from payoff and she rudely denied any responsibility by the bank. I need my escrow balance check mailed ASAP. This bank is managed by absolutely worst people and they have 0 customer care.
I was contacted by XXXX XXXX ( XXXXXXXXXXXX ) on XXXX XXXX 2015 to discuss a loan refinance on mycurrent 7 % mortgage. I told the mortgage banker that I have n't been able to refinance becauseof self employment and little to no XXXX income. After talking with her for 3+ hours, she said that wewould be able to work together and even told me they could refinance XXXX our rental properties. 
On XXXX XXXX 2015 Loan Depot removed 2 x {$390.00} from our bank account for XXXX appraisals. 
The appraisal for the primary property was completed on XXXX XXXX. 
We were contacted on the XXXX telling us we would n't qualify for the refi. 
After complaining we did get a refund for the rental appraisal not completed, but not for the completedappraisal. We did n't understand why the appraisals were ordered prior to being approved for a loan. 
We are currently working with a different company and requested the appraisal that we PAID FOR fromloan depot. They refused to transfer the appraisal to our current lender, forcing us to pay for another appraisal. We are requesting a {$390.00} refund for the appraisal that we ca n't use for our refinance. 
Loan Depot wo n't answer our request. 
Sincerely, XXXX XXXXXXXXXXXX
On or about XX/XX/2016 I made a purchase through XXXX at XXXX for a cash price of {$320.00}. I made all the payments however my name has been sent to a collection agency accelerated financial SO for {$660.00} original creditor XXXX , XXXX. This account is showing on my credit report and I have received calls from the debt collection company. I explained to the debt collector that the bill was paid however the company states and have reported this debt.
Bank America is insisting a home buyer obtain a " shared driveway '' agreement from a neighbor when in fact it is not a legally shared driveway. Of course the neighbor refuses, so the bank is refusing to grant the buyer a mortgage. Neighbor and Buyer have yet to meet compounding the problem of having any ( inocuous ) agreement of any kind. The Bank wants a recorded agreement that forces both the Buyer and Neighbor to lie and in spite of attorneys for both buyer and seller stating the legal truth and wrongness of their request, the Bank remains obstinant. What to do? Does a consumer have any recourse?
I am on the do not call registry for my cell phone. After XXXX XXXX 2015 I should not receive these calls. I have no debts. I have blocked the number but see online that they will just call from another number. The number they called today is ( XXXX ) XXXX. Any help would be greatly appreciated.
I am co-signer on student loans in my son 's name at LendKey. Last Friday, XXXX XXXX, I received a message from LendKey and returned the call after checking the status of the loans at the LendKey site on-line. The party answering was also on the loan screen at the same LendKey site, but his information did not match mine as my screen showed XXXX past due loans ( 43 days and 10 days ) while the LendKey representative indicated the same XXXX loans on his screen were each 11 days past due. At any rate, upon my request the LendKey rep indicated that the total amount past due on both loans was less than {$100.00} at which point I offered to immediately bring both loans current by debiting or by means of ACH from my checking account. He said that was not possible even though I was the co-borrower/co-signer unless I would agree to allow my checking account to become the new auto debit source for future payments. I would not agree to this and upon questioning the practice of LendKey calling me and then refusing to accept payment, the LendKey rep said " the Company is working on that ''. Next, I received a letter on XXXX XXXX from LendKey dated XXXX XXXX ( the day before the telephone call ) and it indicates only XXXX of the XXXX loans in past due status and only past due for XXXX cents!. This was XXXX of the XXXX loans referred to as past due on the call on the XXXX, but is again a different past due amount. LendKey has called us in the past and we have tried to work with them, but none of the information regarding past due amounts, dates of payments and resolution on the phone ever match with what is reported at the LendKey site. This is extremely frustrating and likely to ruin my excellent credit score, plus it is a nuisance.
The debit collector is ad astra recovery services. I have gone through so many things trying to get them to understand I was a victim of identity theft in  XXXX  and the only way I found out about it was trying to file state taxes, someone was able to file taxes in my name using my social security number, I have submitted documents from the IRS to them showing them the supporting documents. I have never received anything in mail about this account nor have I ever received any phone calls. This information was placed on my credit report and that was the way I found out someone had taken a loan out in my name. The amount posted was {$720.00} that was placed in  XXXX