WillisBack/dataset-financial-user-claim huggingface dataset:
I am working with XXXX XXXX I was told to pay wells Fargo for an appraisal for my lot, it was appraised at XXXX. I signed documents to sell half of it and negotiated XXXX but in order to get the split approved to sell half of my lot Wells Fargo said FHA WANTS all of the XXXX to split the lot. 

Why? in most cases I was informed that XXXX was the pay-down requirement. why is wells Fargo saying FHA demands 100 % of the proceeds to pay-down the mortgage. I understood that XXXX to was the normal pay-down I believe that only 10k should be required as a pay-down since the lot is only valued at 10k and I should be allowed to keep the rest and pay off my personal debt or I will have to foreclose my entire property. 

I need to get FHA to approve the lot split of {$10000.00} not the entire sell or I will only sell it for XXXX because I believe this is a form of discrimination. I have had major difficulty paying my mortgage and I need to pay off debt that is independent of my mortgage, if I am not able to pay off other personal debt and all of the proceeds need to go to the mortgage I will continue to have this other independent debt. 

I have a XXXX student loan I need to pay it off and not just put all the proceeds in XXXX bucket. Who can help me fight this with FHA. 

Paying the mortgage down is unfair if I am required to use the entire proceed. I have recently requested a modification and if I am able to keep 50 % of the proceeds then I can pay my mortgage and the student loan and other debt and still pay down XXXX of the loan. I believe {$10000.00} is fair. 

For FHA to demand the entire amount is UNFAIR AND UNJUSTIFIABLE when compared to the APPRAISAL AND THEREFORE I FIND IT DISCRIMINATORY. 

XXXX told me I can file a complaint. Where do I file this complaint and what is the process? 

{$270000.00} mortgage limits in Michigan FHA
EXPERIAN IS REPORTING THE FOLLOWING IN ERROR.

XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX9 CFPB Case # XXXX from Original Creditor ( XXXX XXXX ), dated,XX/XX/XXXX states that XXXX XXXX was SOLD to XXXX XXXX XXXX on XX/XX/XXXX NOT XXXX XXXX. The ACCOUNT BEING REPORTED BY XXXX XXXX since XX/XX/XXXX is erroneous and NOT MINES pursuant to the original creditor 's letter. PLEASE DELETE.
I have recently been denied for a loan modification on an appeal review. I originally applied for a loan modification and was denied due to insufficient income. My Sister then moved in with me and helped with {$1000.00} to cover the household expenses. With the changes in my financials, i then reapplied for a loan modification. I was later told that I was denied and am no longer able to reapply since i can only be reviewed once in a year. Now that I am able to afford my home with the help of my Sister, they will not consider reviewing it and I will lose my home. I have worked too hard for this to happen. Please help.
After a major robbery and idenitity theft issue USAA BANK decided to hurt our lives more and keep all our money in our savings account and committ a huge embezzlement and fraud issue. USAA BANK has committed several upon several banking and credit card and bad faith insurance issues and XXXX our lives and destroyed my career and laughed at me and said to bad your not military and that you are XXXX to me. They were very mean. Before this my life was going so well. They XXXX me. I have nothing left and can not get my life together cause as of today they still are hurting my life. They stole over {$15000.00} from savings account and well over {$12000.00} in checking, refused to pay out over {$75000.00} promised in other issues that caused well over {$150000.00} more out of our pockets, made me spend over 20 hours for 4 years to do paperwork then to only laugh and say we are not paying you. CEO XXXX told me he did not care about me or my life. Very scary stuff.
I made an arrangement with XXXX XXXX XXXX , XXXX to pay {$220.00} for settlement of debt to be paid by XXXX XXXX, XXXX. I call the company on XXXX XXXX, XXXX, and spoke to a XXXX . XXXX. I made the payment that same day using my debit card. XXXX XXXX sent by email the payment receipt dated XXXX XXXX, XXXX. I notice on my XXXX XXXX, XXXX, on my credit report for XXXX XXXX / XXXX account in the comment section that it was purchased by another lender. So I contacted XXXX  and they told me that XXXX XXXX XXXX has this account. I asked why and told them that I had paid the account with XXXX XXXX XXXX. The representative told me that they did n't have any information concerning this company or payments and I would have to contact XXXX the lender. I contact XXXX XXXX  and spoke to a XXXX XXXX concerning the issue. She told me to email to her the receipt of payment and she would get back to me. I received an email from her stating that the document I sent did n't show that the original creditor was XXXX that it was Credit Corp Solutions. She told me to contacted XXXX XXXX  about the payment and Credit Corp Solutions. I told her I did and they advise me to call her company. I asked her if she could send something stating that this payment was received to XXXX Credit Bureau and XXXX XXXX / XXXX. She told me that they sent out this information to the credit bureau in XXXX XXXX and the company does n't do this anymore and she could n't help me. Therefore I should contact Credit Corp Solutions and XXXX XXXX again.
I received a letter notice in the mail that both my checking and savings accounts were going to be closed within 10 days the only reason given : " in accordance with your deposit terms and conditions, please be advised that we have elected to close your deposit accounts with us. '' I have been a customer for over 10 years and always had accounts in good standing, never over-drafted or used money transfers or any other negative or risky activity. Several other family members and business associates have received the same notice the same day. How can they just close accounts, causing significant business and personal disruption, without reason? US bank Branch Managers were not able to provide further information, as they also could not find information. Upon calling the " Account Review Department '' I learned they had reviewed my accounts and by committee decision decided to no longer support my banking. But they would not tell me the reason, or what spending flagged a concern or if there was a financial relationship that was a problem. The reason they provided was that just as I had the right to leave the bank they also have the right to kick me out. I am very concerned that there is discrimination, or financial risk I should know about or that I am exposed to someone or some regular spending activity that is dangerous or illegal. Or they are simply abusing the consumer by not supporting the banking I do, which seems to be fairly normal household banking. All local and all accountable.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A  ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX XXXX with the balance of XXXXacct. # as disputed by consumer within 30 calendar days since my first dispute on XX/XX/2016 and how I`m entitled to XXXX per occurrence for this violation. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX XXXX XXXX with the balance of XXXX-acct is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

The item listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and you violated this law. 

I hereby demand immediately deletion of XXXX XXXX XXXX with the balance of XXXXacct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ). 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A  ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations. I have copies of every credit report since 2016 showing you have violated the FCRA.
LVNV has been negatively re-aging my account and incorrectly using the date of when they took over the account/charge-off date as the first date of delinquency. When in actuality, the correct date of first major delinquency was in XXXX of the original account. The date the original account was closed was in XXXX and no payments have ever been made to LVNV ; however, they have been falsely using a more recent date of delinquency of XXXX in order to keep it on my credit report longer than allowed by the Fair Credit Report Act and in attempts to collect for a longer time period than legally permitted. I am reporting them for unlawful collection tactics. I am also requesting that they immediately discontinue such tactics and correct the false information they have been giving to the credit bureaus. Thank you for your assistance in this matter.
Discover close my account for no reason given. They closed my account when I was shopping without sending me a notice ( I got that notice a week later ). Moreover, They refuse to send me the matched cashback that they promised when they encouraged me to apply.
I have asked for debt validation in the form of a signed contract on numerous occasions. They have failed to provide such contract, and prove that I owe them a debt, in the amount of {$1300.00}. I have notified them that all income that I receive is exempt from creditors and that they must cease to make attempts to collect an unvalidated debt. 

According to Sec. 207. [ 42 U.S.C. 407 ] ( a ) The right of any person to any future payment under this title shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. 

With this company continuing to pursue this debt, it has created a added stress on my survival on a fixed income, and my ability to provide for myself. All of my income is protected and there is no benefit to continue harassment and reporting of this unverified debt.
Wanted to close my bank account @ XXXX bank. I was told there is a fee for closing account of {$50.00} to close the account plus other service fee. After being on the phone for 2 hours trying to get this resolved, I get the vague answer that within banking guide lines that they have to charge a fee. Got a run around where they have transfered my call XXXX times and the XXXX agent said they could waive the fees. I originally open this account XX/XX/XXXX when it was XXXX bank and now XXXX
I attempted to use an ATM at the branch located on XXXX XXXX XXXX. in XXXX, AL. The ATM had an error message which stated that there were n't any transactions available. I returned to the branch and requested that the bank cash a check. They refused to do so an indicated that it was a transaction which they were refusing to all consumers and that they would n't allow anyone to take cash but only make deposits. I asked how long the policy would remain in effect and she indicated that it was as a result of computer issues.
I bought a new Kia vehicle on Sat XX/XX/XXXX. In the following week I set up the info online so that Kia Motors Finance ( KMF ) would be able to automatically draft the monthly payment from my checking account when payment was due. The first payment was due XX/XX/XXXX. However, my action in setting up the automatic draft info prompted their system to actually take a payment for the loan out of my checking account immediately, without my authorization. I contacted them on Mon XX/XX/XXXX to find out how I could get that refunded. I followed the instructions and provided them proof of this the same day. I was told it would take seven business days to process. 

Followed up on XX/XX/XXXX as to status. Was told payment would be mailed on XX/XX/XXXX. 

Followed upon XX/XX/XXXX but got no update status because people who process refunds were unavailable. Operator supposedly emailed them to request status update but never heard any more from them. 

Followed up on XX/XX/XXXX. Told I could have the payment applied to my account since payment would be due XX/XX/XXXX. That would take three days to get processed. 

Followed up on XX/XX/XXXX. After three attempts to reach a supervisor ( first two of which I was hung up on ), I was told the refund check was sent Tue XX/XX/XXXX from Georgia. 

On Fri XX/XX/XXXX I received a call from XXXX with KMF. She told me the check was processed and mailed that day. I confronted her about how this information conflicted with what I was told on XX/XX/XXXX. I gave her an earful about all the lies I had been told throughout this ordeal with no resolution whatsoever. 

I need to get this resolved and have no idea of where else to turn.
I justified recently received a copy of my equifax credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX XXXX. I would like to have my historical payment history report. Some accounts are XXXX XXXX XXXX XXXX
Navient student loan services constantly harass me by phone call almost everyday and they always collect money from me even if Im not finished with my college degree. It was agreed that i would start paying as soon as I was finished with school but nevertheless they tricked me and i have been paying my loans ever since the call started. I recently checked my credit score and it decreased XXXX point away from me just because of Navient. I have file a dispute and I'm afraid it won't be a success because i have no confirmation ID's on any of the payments. I recently paid off more than 500 dollars and my credit score will increase over time but i need this negative statement off my credit report !!!
Capital One closed my 360 checking account stating according to their terms and conditions they can close my account whenever they want for whatever reason. However the timing seems interesting in that I have a {$400.00} sign up bonus for their PLUS400 checking account promotion due in the next few weeks and they close my account right before payout. An absolute bait and switch here. They also closed my money market and credit cards which I have with them for many years. For {$400.00} that seemed like a desperate move. 

I filed a CFPB complaint on XX/XX/XXXX for the same issue in which the response was they never received the direct deposits required for the {$400.00} sign up bonus. However, I had direct deposits from XXXX XXXX posted shortly after account opening. The online website wo n't show my checking account history now which is super shady. I attempted to call the contact person XXXX XXXX many times but she never picked up my phone call. I do not know what has become of Capital One but I am hoping CFPB can provide justice.
I never received a statement for this XXXX XXXX XXXX credit card after applying for the account. It has been nearly three months ( since XX/XX/18 ). I have called at least 4 times asking to be sent this statement and still I have not received it. It took two months just to receive the credit card in the first place -- and I had to call twice to get that. So I didn't even know my own account number for two months, to whom or where to send payment, and had absolutely no way of monitoring the activity on my account or using the card.

In addition, as a result of this delay I was unable to register online for the special promotion for a {$400.00} prepaid card because I was told to do it when I got the card. You can not register online without having your full account number. They would not provide me with the account number. I had to wait until I received the card or the statement bearing the account number. Later - too late to meet the promotional deadline - I was told I didn't have to wait for the card and I could mail in the rebate with just the receipt and last 4 digits of the account. I was denied the rebate.
My mortgage transferred from XXXX XXXX XXXX to XXXX XXXX   effective XX/XX/2018. XXXX made my last bi-weekly payment of {$530.00} towards principal instead of a payment ( documents to show proof ). This caused my mortgage to be delinquent with Loancare in the amount of {$530.00}. I have called to correct this issue several times. Most recently I have talked to XXXX XXXX and XXXX on XX/XX/18. I also called on XX/XX/18 to resolve the issue and talked to XXXX. XXXX transferred me to leave a voicemail for the supervisor, XXXX XXXX. I have never gotten a call back from ANY supervisor or any other CSR. I have also emailed documents ( bank statement and mortgage payments ) on XX/XX/18 to help correct the issue. As of this statement, The principal payment of {$530.00} has not been corrected to a regular monthly payment and I am still showing delinquent for XX/XX/XXXX payment. I have paid on time every month but now I am being charged a late fee because of this issue. Loancare has done nothing to help me fix this issue. Please help.
I have had an extended loan with XXXX, when I first started my payments I put in multiple instructions that my principal be paid on first and not interest, I 've noticed for white sometime I ask for statements on balanced, but in XX/XX/2010 I owed a little over {$10000.00} and I still owe the same amount, and paying XXXX $ a month for so long, I should n't owe that much, and they wo n't give me any statements, they tell me go online it 's all online, there 's not one spot online that shows my beginning Balance I started with after quitting school to now showing how much I 've paid on my loan, I 've been making payments for a long time, but my Balance owed is the same as 7 years ago
Cornerstone Federal Loan service incorrectly reported that my student loans were late on XX/XX/XXXX. I have 3 90 day late payments. At that time they closed my account and transferred it to XXXX. I was on a deferment you can check the student publishing clearinghouse. I was able to correct this information on my XXXX report, but both XXXX and XXXX wont let me conference call with a Cornerstone representative. I 've filed 5+ online disputes with each Credit Bureau and each time the results come back that the information ca n't be changed. Please help me! I think that the online disputes are done electronically because if a live person called Cornerstone, they could verify with a representative that the information is updated on Cornerstone 's end, but not relayed to the credit bureau.
XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX Todays Date : XX/XX/XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX
Lendmark Finan loaned money for a metal building I paid it off... there was confusion because they recorded it as 2 accounts.
Account XXXX and XXXX  
they reported it incorrectly. It is and was paid in full.. 

XXXX XXXX
Experian has not removed 19 " negative '' credit designations that were connected to XXXX. The issue with XXXX was resolved and all accounts show as paid for student loans. I am now paying and in good standing with the XXXX XXXX XXXX with respect to all student loans, but I was advised they would remove any negative impact on my credit report. And yet these 19 separate " negative '' designations remain in my credit report despite being told that being in good standing with the XXXX XXXX XXXX would fix any issues with my credit. I request these negative designations from XXXX in Experian be removed. Thank you.
I sent a QWR to JP Chase on XX/XX/2015. Chase acknowledged receipt of QWR on XX/XX/2015. They never sent any documentation to answer the QWR.
I've been charged for cash advances, when i was given this line of credit the stated they don't give cash advances, the purchases im being charged cash advance for are a private party purchase on line.
on XXXX XXXX2015 i was contacted by XXXX XXXX XXXX they try to get me to pay a collection of {$980.00}
Under the FCRA, unverified, invalid accounts must be removed. 

If XXXX XXXX is unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from credit reports including but not limited to Experian, XXXX and XXXX XXXX. 

I demand the account be verified, that I be provide PROOF or removed immediately! 
The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

On or about XX/XX/2017 I submitted a request to XXXX XXXX to provide me " wet signature '' actual proof of authorization to report any credit information according to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ). 


Despite numerous, requests, XXXX has not removed from the reporting agencies information for : : XXXX XXXX a/c XXXX XXXX XXXX XXXX XXXX XXXX a/c XXXX XXXX XXXX XXXX I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed below : The fair resolution to the is for XXXX XXXX to remove any credit information they are reporting unless they can provide HARD COPY PROOF TO ME through the physical verification of the original signed certified consumer contract - of any and all accounts o be posted and or reported on a credit report.
Equifax was hacked XXXX XXXX leaking the personal details of more than 140 million users of which I was included. Equifax waited months before reporting this while executives dumped stock. Equifax is only offering a single year of credit protection servers from a company they own. In order to use this, you sign away your rights to sue them. All of this is wrong.
Under all applicable FCRA & FDCPA regulations, I request a description for the procedures used in verifying these accounts
I submitted a debt verification letter to Syndicated Office Systems on XX/XX/XXXX via cert. mail. I did not receive a response. I reached out to the company via phone at XXXX on XX/XX/XXXX and spoke with a XXXX. He informed me that the account is in " Review Process '' therefore the only option I have at this time is to pay the account. I asked when was the account placed in this status ; he informed me that in XX/XX/XXXX. He was not able to inform me as to when the account will be taken out of this status. I ask to speak with his manager or provide me with his manager 's information. He refused and stated that there is nothing that he nor his manage can do for me at this point if I am not willing to pay off the account.