WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I moved from our home in XXXX XXXX to take a job in XXXX XXXX. The home was financed by Chase and I spoke with many people in an unsuccessful attempt to arrange a short sale through our realtor. Our neighbor was willing to pay XXXX in a short sale but the realtor said she was unable to arrange it because the Chase Bank site that she went to demanded {$200.00} to finish the application. Chase bank sold the house on the courthouse steps in XXXX XXXX for {$30000.00} on XXXX XXXX, 2013. Chase informed the IRS that we had capital gains in the amount of over {$30000.00} for which we paid enormous taxes. This week we received a letter from a Texas attorney who supposedly bought Chases interest in the amount we were unable to pay and is harassing us for over {$38000.00}. Throughout this process I took detailed notes, kept meticulous records, and still have all of the paperwork from that horrible experience.
As part of a Federal Housing Administration based re-finance in XXXX XXXX with our lender for my home and investment property, my mother and I would incur five years of mortgage insurance during the beginning of a 30 year fixed loan with a 3.75 % interest rate. To get my mother and me to agree to this re-finance, on XXXX XXXX, XXXX, our lender promised in writing to pay for the last 17 months of those mortgage insurance payments, from XXXX XXXX, XXXX through XXXX XXXX, XXXX if this loan still had mortgage insurance on XXXX XXXX, XXXX. This re-finance was our XXXX with this lender on this same property, and the lender 's promise was the XXXX of its kind. However, this is the first time for the lender to honor one of these promises. 

In XXXX, XXXX, I asked the lender whether they would honor their promise made during the XXXX re-finance. In response, the lender indicated it would not, and refused to agree that it had even made a binding promise. In addition, the lender gave me a document to sign as part of an effort to resolve our dispute, that said that the employee representing the lender during the XXXX re-finance was a " rogue employee ''. My mother and I refused to sign. In fact, we had worked with this same employee on the lender 's behalf throughout all three re-finances of our property. 

Because the lender attempted to have my mother and me sign a statement that stated this employee was a rogue employee, on XXXX XXXX, XXXX, I asked the lender some questions in writing about that employee 's representations on the lender 's behalf during the XXXX re-finance, and requested that the lender answer those questions by XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the lender sent me a letter acknowledging receipt of multiple correspondences. However, the lender has still not provided responses to the questions as of the time I filed this complaint. On XXXX XXXX, XXXX, I asked the lender whether it intended to answer the questions sent on XXXX XXXX, but received no response as of the date of filing this complaint. 

Additionally, on XXXX XXXX, XXXX, I asked the lender to provide the signed and notarized re-finance documents for the XXXX, XXXX, and XXXX re-finances of our property. I am concerned that the lender will not provide this information because it has already not answered our first set of questions and not indicated whether it intends to do so.
We submitted our payment to the Wal-Mart store in XXXX, XXXX. The check was returned and we were asked to send the check to Wal-Mart XXXX XXXX in XXXX, XXXX We complied. Wal-Mart cashed our check but did not credit our account. We called and later faxed copies of the canceled check and our bank statement. They refused to credit our account, saying they never received payment or cashed the check. We provided them with the Source of Receipt Document from the Federal Reserve Bank, showing the check was processed in XXXX. Walmart XXXX XXXX refuses to credit our account.
Portfolio Recovery Assets is relentlessly calling my home. My husband has taken all of the calls and has told them to stop calling. The calls have come in the morning and at night, and it appears to be a different person each time. They do not identify themselves, and do not say why they are calling, but I understand from doing online research that PRA is a collection agency. I do not have any outstanding debt, my credit is in good standing, and I do not know why they are calling me, but it has gotten to the point of harassment.
Credit Bureau in violation of Several FCRA aswell as the 49 CFR 801.56 and the GRAMM-LEACH-BLILEY ACT.
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$9700.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX/XXXX XXXX XXXX  Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
An old Debt that should have been removed from my Experian Credit Report, Account number XXXX by XXXX XXXX remains on my report. It represents a debt that is well over seven years old.
On XX/XX/XXXX I sent a certified letter to Equifax requesting they correct several inaccuracies on my report. Including unauthorized inquiries. On XX/XX/XXXX I spoke with a representative who assured me they have been corrected. They are not corrected. 
In the letter I requested any documents bearing my signature be forwarded to me to show I authorized these inquiries. None have been forwarded to me.
On Wednesday XX/XX/XXXX I went to the local credit union, The State Employee 's Credit Union in XXXX NC to apply for a loan of $ XXXX.Initially I spoke with Financial Services Officer XXXX XXXX XXXX She took all of my pertinent information for the application. 

I showed her official documents that was approved for my SSI XXXX benefits which are {$890.00} per month. I also showed her official documentation that I would also be receiving back pay from SSI for beginning XX/XX/XXXX. I also have my Veteran 's Administration benefits going direct deposit into my checking account at SECU for {$100000.00} a month. 

I do presently have a loan of around {$5000.00} with the credit union of which a payment of {$180.00} monthly comes out of my checking account monthly before anything happens. 

There was a charge on my credit report that showed my student loan balance of {>= $1,000,000} of which I requested XXXX XXXX to check my files and she would see that I had documentation that the loan, due to me being a XXXX Veteran with an over % XXXX rating ( I have a % XXXX rating ), that my student loan was absolved and I had to pay them {$0.00} for 300 months and my loan would be forgiven. 

XXXX XXXX was not supportive of my request for the documentation of this agreement, and I had to push her hard, telling her that I lived right down the road and would go and get a copy and be back n a few minutes. She seemed impatient and agitated until I recalled that a copy should be in my file. She reluctantly went to retrieve it, and after an explaination and a few more back and forth between us which was pretty intense, not hardly what you expect during this process, She summarily turned down my loan stating that she was 'not comfortable ' with making that loan. I ask why? My income had practically doubled, my present loan was and had always been in good standing, My payment would have increased from $ XXXX monthly to {$290.00} which was well in my income range. She became argumentative and it was obvious that we were n't getting any where so I ask to speak to her Superior. She left the room in a huff and came back a few minutes later. She stated XXXX XXXX XXXX XXXX XXXX would speak to me now. She had 'spoken ' with her about my loan. 

I went to Financial service Officer XXXX 's office and was given the same reason for declining my loan after a few minutes debate. I saw that we were not getting, again nowhere so I requested to speak with the next person up the chain of command. XXXX XXXX told me that would be XXXX XXXX, XXXX XXXX. That he was out of town and She would give my phone number to him and he would call me the next day. I then left the office. 
To this day, I have not received a phone call from XXXX XXXX. 

I did receive a letter of decline from the credit union dated XX/XX/2017 which states the reason for the decline is 'affordability '. 

The reason I applied for the loan was because I had fallen behind in my house mortgage and wanted to bring it up to present.
I had XXXX accounts with American Express. XXXX was the XXXX account I opened around 2004. The other was my XXXX American Express opened recently. I made a payment in XXXX in the amount of {$800.00} to my XXXX account when it should have been for the blue account. When XXXX switched visa XXXX bank this money did not transfer. The visa XXXX liaison said they do not see the {$800.00} in my history of my XXXX American Express card. American Express says they can not see my XXXX AE card at all. XXXX XXXX, my bank has denied my fraud claim. The {$800.00} is missing and I still owe that to my blue account. Please help! Thank you so much.
My mortgage started since XX/XX/XXXX and I have always paid for all Property taxes and Insurance Directly ( No Escrow Account ). Now, in XX/XX/XXXX, I paid for the majority of the Property Taxes, but after I paid then the Mortgage Company ( Ditech Financial LLC ) paid again creating Tax Over Payments. Now Ditech Financial wants me to pay them escrow for {$10000.00} and I only owe taxes for {$2000.00}. I have requested the County Tax Offices to reimburse the tax overpayments, but it takes almost 60 days for them to reimburse. Ditech was informed of this time requirement, but Ditech has placed my account as past due, have charged late fees as well as reporting credit non-compliance to credit bureaus. I have continued paying my regular payment ever since the mortgage started on time, but Ditech has placed these funds as " Funds in Suspense '' without considering them as payments.
Equifax on XX/XX/2018 I file with the CFPB a complaint ref XXXX you reponded you were working on dispute and more time was needed. It has now been over 60 days sense CFPB sent you the dispute and you are in violation. { remove this account at once forever for failuer to respond. it clearly shows that there is no evidence I own this account
I noticed on my credit report an errant account for {$720.00} with LVNV ( a collection agency ) I immediately disputed this account with the XXXX major bureaus. However, after having it removed from XXXX, XXXX and XXXX ; I received a letter from a collection agency called RESURGENT capital services responding to my dispute with LVNV. Even on their letterhead they list the " group '' of companies with which they are linked with both company 's names alongside several others.They act as XXXX separately registered business entities in my state. How then are they both allowed to collect the same illegitimate debt through intimidation and coercion?! 
My complaint ( s ) : 1. I do not owe this debt 2. These XXXX companies are Re-aging this account by both changing the balance ( $ XXXX {$720.00} ) and occasionally switching it between there XXXX monikers on my credit reports. This has caused me to not qualify for my home purchase and has artificially kept my credit rating low. This has greatly effected my quality of life and financial security. 
3. This account was removed from XXXX but re-appeared the next month with a new balance ( $ XXXX {$720.00} )!!!!
Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

AMSHARE - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama XXXX
One Main has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
On XX/XX/2018 I filled out a pre-qualify application for a Bank Of America credit card. The advertisement stated Will Not affect my credit score. As soon as a submitted my application, a BOA page appeared with a credit card that supposedly I qualified for. The page wanted more information to proceed with card. I provided all my information, date of birth, SS #, Address and work information. I again submitted online application and in that instance, I was denied. I believe this is deception and false advertisement. If the first page submitted went thru fine, then I should have been approved. This poor business practice have damaged my credit scores.
Dear CFPB, I contacted Comenity Bank in regards to an account I opened. Currently on my XXXX credit report is showing my XXXX XXXX brand credit card account through Comenity Bank as active. I contacted the Comenity 2 months ago via telephone in regards to removing the account from my credit report in which I was told to write to their disputes department. I sent a letter via US mail 2 months ago and they have not responded to my request. I contacted Comenity bank again on XXXX XXXX, 2017 in regards to this and they told me again I could only send a letter via mail to dispute and provide the same mailing address. I explained to them I already did this step and they did not provide any further resolution. Comenity Bank is not removing this account which is incorrectly reported from my credit report is negatively impacting me. I am requesting the CFPB please assist me in resolving this as I no longer have any options and Comenity Bank is hurting my credit report. It appears Comenity Bank does not want to help consumers and is refusing to respond.
This complement is for :  RoundPoint Mortgage   Servicing   XXXX   XXXX   XXXX   XXXX , NC  XXXX  My loan :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  Hi, My name is  XXXX   XXXX , RoundPooint gave me a   XXXX   % reduction to pay off my mortgage and they report to the creditors than I owe Roundport {$5000.00} back in       2014   XXXX  .   Loan #  XXXX  property address is    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  .   <P/> Roundpoint report my mortgage pay off as a short sale when they gave me a reduction to pay off my mortgage. And they reported the  Recording with  XXXX  county w rong. Which they are re-recording that 's what they told me and will ta ke 2 to 3 mo nths. Spoke  XXXX  refused to fix my credit with  XXXX . When I speak to them Roundpoint representative they tell me they did not reported as short sale.   I am not getting my issue solved by my self.
The three credit Bureu still showing all accounts closed, paid in full, also have student loan closed due to my XXXX, please somebody help me I am so tired to leading with this problem. 
Cause me hard time and disappointed in my life. 
I need my credit back. 
Thank you very much XXXX XXXX XXXX
The US Bank changed my Business account which had no fees to a savings account XX/XX/2016. This change included the right of the bank to take out fees if the account operated with a balance of {$1000.00} or less. 
I tried to talk to their customer service person XXXX and was told the bank did n't change the account at first, but in the end of the conversation he admitted they had changed the account. 
This account is now closed as it went into an overdue amount. 
We did not give the bank the right to change the account as we only intended the account to be used by our start up business. 
Kind regards XXXX XXXX
I found out that a loan I had was with a lender that is void in my state, and that the loan that I had with them was considered void in my state. I notified the lender, XXXX, that the installment loan online I had with them was void in my state, meaning that it should never have been offered to a resident of my state. I also made a letter out to my bank, Wells Fargo, notifying them that the lender was not authorized to debit from my account, and that I wanted them to return monies sent to the originating institution ( lender 's bank ) and to give the ACH transcript for that originating bank. 
I called the bank to see how to and where top submit my letter on XXXX XXXX. I was told that I had to file a claim over the phone with the bank, which I did, and I asked if they could attach my letter and other documentation to the claim filed so that my request was also in writing. I faxed the letter to the claims department as I was told to do. 
When I called to called to check on the status of my claim, XXXX XXXX, I also asked to be sure that they had received my documents and letter that was supposed to accompany the claim. The woman I talked to said that she did n't think the investigator has actually looked at or read the letter or other documents, so she said she would send it again with a note, and that I should call back the next day, XXXX XXXX. 
When I called back on XXXX XXXX, I spoke to a different person, who said that they denied my claim. The banker from the claims department stated that they could not reimburse me because I had signed a contract ( even thought the contract with XXXX is null and void ) and that they had nothing to do with the matter. To get my funds back, I would have to contact the lending company directly. She said that Wells Fargo had rules they had to abide by, and that they had even if the company was working illegally, that they ( Wells Fargo ) would have nothing to do with it. I also never received the ACH transcript that was requested, so that I could request the funds from the originating institution that facilitated a void loan.
For some reas on Convergent has not sent me proof o f my obligation of this alleged debt as requested and continues to report this trade-line to the  XXXX  major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed.     I disputed this account directly with Convergent on  XXXX   XXXX ,   XXXX  . To date, Convergent continues to ignore my requests and they continue to ignore my consumer rights.     I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted.     Who verified this account? What documents did they use to verify? Where are the documents used to verify?     The only correspondence that I received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention tha t Convergent know th ey can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Convergent is blatantly disregarding the law.
I sent Toyota Motor Credit a letter via certified mail on XXXX XXXX, 2016. I have the only response that I received was further derogatory reporting on my Credit Report. I never got any for of response to my letter, which is attached and the exact same letter was sent again on XXXX XXXX, 2016. Twice I 've sent this letter! 

I 'm prepared to file a lawsuit for violations under RFDCPA and Title 15 Section 1666 of the US code.
Good Morning, I have been working with FIRST NATIONAL BANK company employee named XXXX XXXX details are below. First i got introduced through the listing agent of the house XXXX XXXX, Since we liked the house, i went to my bank XXXX. 

They denied my application stating that if am a self employed or having my XXXX less than 2 years i wont qualify as per XXXX XXXX guidelines. 

XXXX XXXX NMLS # XXXX Mortgage Loan Officer XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Cell XXXX Fax XXXXXXXXXXXX I told XXXX the samething about my employment status, He asked me to provide all documents despite of my situation and i gave all possible documents back in first week of XXXX, he took nearly 20 days long and denied my application again he asked my profit/loss summary from my company asked my CPA to produce documents, which she provided. Again he told me my application is denied. Again he told me if i were a XXXX and worked for the current client, he would make it possible, again he came back to me asked me to Dissolve my XXXX and get a letter from my CPA. my CPA again wrote second letter and again he comes back and says my application is denied after 45 days of drama. My question is when i told my current situation of my employment, he should have told me right on my face its not possible. 

He and the realtor are good friends, they were trying to get my initial deposit XXXX and again asking me to give another XXXX made me to fall on me on this messy trap. During the initial he asked me to do inspection and he took money for my credit application and appraisal. Why did he do all this, when there is a well laid plan by XXXX guidelines. During this entire process i worked with several lenders, the all denied in same day, XXXX, XXXX and XXXX as well. Because of your careless staff, the sellers are threatening me saying they wont give me XXXX dollars back, below expenses occurred due to your inefficient staff. To summarize. 

1 ) Several hours loss of pay from my work. - not counted yet 2 ) Paid for inspection - XXXX XXXX ) Paid for Appraisal - XXXX XXXX ) Given Lease breakage XXXX XXXX ) Given XXXX Deposit for escrow - XXXX XXXX ) Paid CPA to write letters for doing work during weekend several times This whole process had created a mental trauma for me and my family, also we had give a notice to vacate our current place. 

Please advise i want to handle this professional way, so that you or your bank does not get any name-fame issues. After all this he is forwarding my information to another lender.. ITS Total loss for me and my family. 

Regards, XXXX XXXX
Every year when I go to get my XXXX annual credit reports Equifax is the only one that states I must mail in personal info, A copy of XXXX or social sec card ... I should not have to mail this personal info when the other XXXX  companies do not require it. I think they just do not want to provide the free report