WillisBack/dataset-financial-user-claim huggingface dataset:
I had a mortgage with from XXXX of XXXX to XXXX of XXXX and never missed a payment. I refinanced my Citizens Mortgage through XXXX in XXXX of XXXX to obtain a XXXX loan to completely renovate my home. My home is built. My current mortgage is with XXXX for {$410000.00}. My house is a single family ( XXXX ) in XXXX XXXX with an ocean view, XXXX car garage, and an additional parking spot. 
In late XXXX of XXXX, after I moved in, I started a refinancing process with Citizens to lower my monthly payment by close to or at {$600.00} because I would no longer need PMI insurance. I provided Citizens with every document it asked for ASAP ( XXXX for XXXX, XXXX, XXXX ) I signed to allow my income taxes to be released. 
I paid {$450.00} for an appraisial of my home which occurred on XXXX XXXX of XXXX. The apprasal came in ( {$590000.00} ) signifigantly under market value. I raised complaints about the my appraisal to the loan originator, XXXX XXXX of Citizens Bank XXXX XXXX XXXX, and she agreed it was way under value, would file an complaint, but the loan should be fine even though the appraisal was so artificially low. 
I was told we would close at the end of XXXX XXXX. We did not close then and was told we would close at the end of XXXX. All along, as is available via email, I was told the loan was going forward and we were all set. On XXXX XXXX, XXXX, I was told via email from XXXX XXXX we would close Monday XXXX XXXX, XXXX at XXXX at the XXXX XXXX XXXX XXXX. Then it was moved to XXXX XXXX. I was told over the phone by XXXX on XXXX XXXX around XXXX we were closing tomorrow XXXX XXXX. At XXXX XXXX XXXX I received an email from XXXX saying the loan was denied. XXXX also said in the email she had a sore throat and cold not talk. Reason stated was the amount of my summer job was {$1900.00} less on my XXXX than XXXX had told me it was safe to cancel my XXXX payment with XXXX which I did via telephone. I planned so financially. I have a XXXX child. My wife is not working. I now need to come up with additional money which I was told I would not need because my Citizens payment would be lower. 
I did everything asked, was told only positive things about my loan ( in other words all I ever heard via email, telephone was that it was moving forward ) and get an email the night I was supposed to close that it is not happening. After another week of vetting my financial sources, which I submitted back in early XXXX of XXXX, I was told by my loan officer i was denied on Friday XXXX XXXX, XXXX. 
No bank should be allowed to treat people in such a manner, especially when people 's financial future is held in the wings.
Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months TransUnion continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Transunion is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Transunion zeroed the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, XXXX
Vehilce was purchased XX/XX/2016. The vehicle was financed through XXXX XXXX and the loan was sold to XXXX XXXX XXXX  XXXX. The legal owner transfer was initiated but never finished by the lienholders. Although my registration is currently paid, I have since been ticketed and am unable to get my current registration or tags.
I have been a victim of identity theft my credit file is currently in the Office of Consumer Affairs as Equifax calls it I spoke with a gentleman today by the name of  XXXX  who refused to follow up on my identity theft disputes and I have sent them documentation well over 15 times credit file has split and he hung up on me and refused to assist me this is affecting my life. And Equifax Office of Consumer Affairs is a joke another way to make money off of using erroneous and incorrect information that reports to the file.
My husband noticed XXXX dollars was withdrawn from my checking account through my debit card but my ATM card was not stolen. I had it on my person, but I never made these withdrawals. It was XXXX increments of {$600.00} for a total of XXXX. It was XXXX different locations of ATM machines in our same town of XXXX, TX.
I have sent request to  XXXX , Transunion, and  XXXX  regarding reporting of a  XXXX   XXXX  on my credit file. I received a letter from bankruptcy court stating they do not send information to credit bureaus. The  XXXX  major bureau sent me notification stating they received reporting on the account from  XXXX   XXXX . This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from  XXXX   XXXX . It specifically states this was reported by  Bankrupty Court. I s ent the  XXXX  major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified
XXXX Student Loans has given put my loan under the servicing of Firstmark Services. This is the first month that my payment is due to Firstmark Services. I took steps to set up auto-debit immediately. The payment was n't autodebited for some undetermined reason. It is now the fifth business day since the payment was due. I was unaware of the issue until today. I am aware now because I received the following phone calls from Firstmark Services : XXXX ; XXXX ; XXXX ; XXXX - during my work day, while I was already on the phone. I received no message from this number calling. This is a completely harassing way to communicate a simple issue.
False Advertising and Bait and Switch by Bank of the West. 

On or about XX/XX/2018, my husband and I applied for a home equity line of credit. We were told that, as a line of credit, it can be used for any purpose now or in the future. I informed the loan agent that the purpose of the line of credit is to pay off my solar debts for my house and for my daughter 's house which is around {$80000.00}. I was quoted an interest rate for a {$100000.00} line of credit and a lower interest rate for a {$150000.00} line of credit. I told the loan agent that I was interested in the lower interest rate and, therefore, started the paperwork for a {$150000.00} line of credit. 

On XX/XX/2018, I received an email from XXXX XXXX stating that we were approved for the {$150000.00} line of credit to pay off the solar debts and my car loan. I emailed back stating that the interest rate of my car loan is less than 1 % and that it would not make any sense to pay it off at an interest rate of over 5 % and that the condition they are imposing is unreasonable. I was told that unless I pay off my car loan with the money from the equity line of credit, then they are only approving a {$100000.00} line of credit at a higher interest rate. 

A line of credit is a preset amount of money that a bank or credit union agrees to lend the borrower. The borrower draws from the line of credit WHEN NEEDED up to the maximum amount. Interest is on the amount borrowed. Bank of the West is falsely advertising this offer as a line of credit. It is not a line of credit when the borrower is forced to use the money for a purpose that is not needed and then threatens borrower with a penalty of a higher interest rate if the condition is not met. Bank of the West wants to switch the loan to a higher interest rate to get more profit.
There is a charged off account reporting on my XXXX Credit file that is not mine..i requested written verification and written validation that the account was mine and i have yet to receive it ... They have not proved that the amounts nor the dates on this account are correct. The account in question is from XXXX XXXX XXXX XXXX XXXX and should be removed from my account immediately
I applied at the XXXX in XXXX GA before I found out I needed XXXX XXXX. I was accepted as a tenant but never moved in seeing I was also accepted as a XXXX XXXX for them but could not move nor take the job since I XXXX XXXX XXXX ( XXXX ). I had XXXX and needed to stay where I was. XXXX XXXX at the time was the manager who told me not to worry that everything would be taken care of. I never moved in. I took his word. Come to find out another company took over the XXXX and all of a sudden I was charged a {$5000.00} debt for an apartment I never moved into. When I called the XXXX  they told me that they had no proof of me living there or my paperwork since they were bought out. I attempted to contact their corporate office and nothing was done. This has impacted my credit score by 74 points and is illegal. I have lived at the same GA address since XX/XX/2016 to present date I continued attending school at XXXX XXXX University and never stepped foot into the dorm. Everything was to be handled by the manager after I realized that my XXXX needed proper care that would take longer and only available on a military base due to my insurance with XXXX.
The bankruptcy was discharged in XX/XX/XXXX which included the house and the property was removed from my name in XX/XX/XXXX by XXXX XXXX XXXX. In the past week I have received 3 letters and 2 phone calls stating that I am delinquent when the house is owned by someone else and has been for 5 years. I have no credit with XXXX XXXX XXXX. When speaking with a person from XXXX XXXX XXXX, they said the mortgage was closed XX/XX/XXXX, yet I received phone calls after that conversation.
EQUIFAX I have sent certified letters on XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to remove the unverified accounts listed here : ( XXXX XXXX XXXX XXXX - {$600.00} and XXXX XXXX XXXX XXXX - {$300.00} ), that remain on my credit report in violation of 15 U.S.C. 1681. They are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of each of their re-investigations, they stated that they verified that these items are being reported correctly. 

Where are the documents that they used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? I have asked them to provide me with the name of that individual, their business address, and telephone number. 

XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

This means that their company must be willing and able to produce a document in their files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit against them. Someone in their company must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

As I am sure that they are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

They have ignored my requests to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply with this Federal Law
A few weeks ago I was shopping for a car. Over the course of 2 weeks, I must have submitted anywhere from 30 to 40 applications for credit. 

The inquiries showed up immediately on my reports, but now, it looks like all my scores have gone down 30 or more points. I 'm not sure if this correlates with the closing of a secured card I had with XXXX XXXX ( the only one I had ) or if this is a result of the inquiries. 

If it is a result of the inquiries, I am confused. Those were back to back in efforts for me to shop around for the best deal. I thought most scoring systems counted this kind of inquiries as just one.
THE CREDIT REPORTING AGENCY EXPERIAN,  XXXX   XXXX  AND   XXXX    WILL NOT INVESTIGATE OR REMOVE THE ACCOUNTS LISTED IN POLICE REPORT OFF MY CREDIT FILE
ZOMBIE TITLE Ocwen/Property Tax Liens City of XXXX XXXX XXXX XXXX XXXX Pa Hud was the undersigned of above property XX/XX/XXXX-XX/XX/XXXX They sold homes to Ocwen. From XX/XX/XXXX-XX/XX/XXXX Ocwen wanted to foreclose. Ocwen lost 6 months of mortgage payment cashed the checks but never credited the account. We fell one month behind. Ocwen wanted 2 months then XXXX % of the balance of the mortgage in only 4 months Unserved court dockets led to XXXX judgement ( XX/XX/XXXX ) House went to sheriff sale 3 times XXXX and No Sale! When home was purchased XX/XX/XXXX HUD Inspected. And failed to release information of settlement damage report XXXX XXXX & I XXXX Row house was build on creek and filled with debris from past property XXXX. My husband myself and XXXX minor children moved out XX/XX/XXXX when Ocwens lawyer issued document of eviction. HUD stated Ocwen was foreclosing to move out. XX/XX/XXXX Ocwen sent a realtor to collect keys sign paper to exit cleaned home Payment was {$500.00}. Also locks were changed and property appraised Damage from settlement was {$35000.00} on a {$29000.00} loan Ocwen boarded up home XXXX Never transferred the deed/title on the property. Squatters moved in XX/XX/XXXX used our names lived there XXXX House was stripped of all metals pipes wall busted out to get the pipes. Major ID Theft case to date from squatters. Home deemed unsafe risk of collapse XX/XX/XXXX was demolished XX/XX/XXXX City of XXXX has 16yrs of unpaid property taxes on " Zombie Title '' I found XXXX liens on city of XXXX court site. All signed by administrated Judge that was my x-fired lawyer due to misrepresentation and conflict of interest. We lost everything and are XXXX living with my XXXXyr old Mother. Property is vacant land! It did n't sell in sheriff sale when it had a home on it! Taxes are over {$22000.00} with some years showing errors in which the tax penalty is {$200.00} more then the orginal taxes! No lawyer wanted this case! Most likely due to my x lawyer being a Judge Now he is a PA State Supreme newly elected Judge City of XXXX lost all documents on property
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address and phone number XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX All application as not been turn down do to my address not on my credit file I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of two bills Please delte this number on my allert its not my number XXXX Please delete the address bellow they are not my address ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX Please correct this phone number on my fraud alert to XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 
XXXX XXXX ss # XXXX dob XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I keep receiving notices from Transworld Systems that I owe XXXX XXXX {$45.00}. I have called and sent payments, but they keep billing me. I think I 've paid bills I did n't actually owe just to get them to stop. Each one is about 2 months apart. I have n't even been to XXXX since XXXX 2016! My bank shows {$45.00} sent to XXXX XXXX on XXXX XXXX, 2016. Today I got another bill for another {$45.00} from Transworld. This has shown up on my credit report. Every bill has a different account number and frequently a different mail-to address. I want this stopped. XXXX XXXX is a good company, but their billing practices are not. I do n't get bills from them. I just get late notices. And they do n't answer their own information lines. Neither does Transworld.
I received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with XXXX/XXXX AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from XXXX XXXX.
Again, on XX/XX/2018 XXXX XXXX XXXX submitted my credit application to Wells Fargo Dealer Services where I just received the denial letter. The denial letter is bogus because it states : Excessive Inquiries in credit file - SO WHAT THIS HAPPENS WHEN A CONSUMER IS SHOPPING FOR AN AUTO. 

Number of Collections or Public Records - THERE IS NO COLLECTIONS OTHER THAN AN OLD MEDICAL BILL THAT HAS BEEN DISPUTED SEVERAL TIMES FOR UNAUTHORIZED SERVICES AND DELETED BY XXXX. THERE WAS ONE OTHER ONE FOR {$370.00} THAT HAS BEEN PAID BY MEDICAL. Just a flimsy excuse. 

Excessive Revolving Debt Utilization - NOT TRUE. ALL IS PAID IN FULL OR WILL BE PAID IN FULL AT THE END OF XX/XX/XXXX. ( See attachment ). 

Consumer deserves a fair assessment and not these weak knee excuses. ( See attachment ).
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Hope you are well. 

We have had a XXXX loan on XXXX XXXX XXXX XXXX for 3 years. As of XX/XX/XXXX we owed approximately {$19000.00} which we paid off. The title was released after about a month. The credit report incorrectly shows loan still open and not paid off. This is interesting because if we had traded for another XXXX and financed with XXXX again it would have adversely affected our credit terms. This is neither fair or legal in my eyes. They seem to have a lot of undue manipulation in my credit report as well as my husbands. It shows that we owe {$40000.00} to XXXX and we owe {$0.00}. I expected XXXX to remove this as an open obligation and disputed 2 months ago. They will not respond. The truck has been paid off since XX/XX/XXXX, that is 5 months. Can you please assist? 

Regards, XXXX
I had a mortgage through XXXX XXXX which I had been paying on for several years. Recently they sold my mortgage to Nationstar Mortgage. When I got my statement it showed where they are charging me the legal fees for their transaction of purchasing the mortgage. They are charging me for a title search and numerous other fees which are just labeled " legal fees '' and the total comes out to {$3000.00}. I have made two payments to this company since they purchased my mortgage of {$500.00} each, however they only applied {$400.00} of it to my principal and interest and applied the other {$590.00} to these legal fees. The remainder of the legal fees has been rolled into my principal. My complaint is that I do n't see how this can be legal to make me pay legal fees and title search fees for something I did not apply for, ask for, nor give consent for. I do not see how it is legal for them to charge me closing fees for buying my mortgage when I did not ask or apply for a refinance or anything. I was not behind on mortgage payments to XXXX and actually pay extra principal with each payment. I can not fathom that it is legal nor proper for these mortgage companies to charge me legal fees and closing costs for a mortgage that I did not apply for. Please get back to me soon because they have already ripped my off for almost {$600.00} for these fees which I did not ask for.
I having problems with BOA with my mortgage an a loan equity. After they had converted the mortgage with the loan equity loan. They still charging me for the equity loan
a person representing this company, came to my home .Trespassed and handed me a notice that they were suing me for breach of contract of a credit card in a XXXX court.
My previous company was supposed to pay my XXXX from an incident I had at work. They paid most of the bills but forgot to pay XXXX and now they are comming after me when they where put into collection without me even knowing.
Capital One Secured MasterCard website states : " if you make your first 5 monthly payments in time you will get access to higher credit line with no additional deposit needed, you may also earn credit line increases based on your payment history and creditworthiness " After 12 months of payments in full and on time I asked for a credit line increase. I received a declination letter that stated " Unsecured credit line increases are not available upon request on Secured Card Accounts '' clearly contradiction and false advertising