WillisBack/dataset-financial-user-claim huggingface dataset:
Lender provided a loan estimate consistent with its policy of matching competitive loan offers from other lenders. I accepted the lender 's offer conveyed pursuant to its estimate and application package. The lender arranged for an appraisal to occur and I met with the designated appraiser. The following day, the lender contacted me to inform me that its compliance group believed that the loan could not be made based on the amounts stated on the Loan Estimated provided, because it incorrectly calculated those fees. I note that there was no change in my status, creditworthiness, or the value of the property ( which was never actually verified because the appraisal was cancelled by the lender ).

The Lender then sent me a notice that it could not verify my credit. This was clearly a substituted reason rescinding its loan offer. My credit could easily have been verified, but the Lender chose not to do so, such that it would have a quasi-legitimate basis for rescinding its loan offer, despite the fact that its underlying miscalculation was true basis for its declining to make this loan.
XXXX 's account included in bankruptcy and discharged but still reports as a charge off. It was never a charge off. I disputed via credit reporting agency and the information is deleted then reinsert ed showing a balance owing.
On XX/XX/XXXX I ask for a PIN Number involving my Equifax Credit Freeze Confirmation Number XXXX. And XXXX XXXX me, went through fouXXXX more Equifax Confirmation Numbers after asking for a PIN Number to my Equifax Credit Freeze Report. And after asking for a Pin Number to my Equifax Credit Freeze Report. And after five tries one Equifax Representative stated on XX/XX/XXXX, that a creditor reported my address as being XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

This iswas totally incorrect, wrong. I, XXXX XXXX left XXXX, TX on XX/XX/XXXX and moved to the XXXX XXXX XXXX, in XXXX XXXX, GA. And my address was and has been XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX , GA XXXX since XX/XX/XXXX. Then I asked WHICH CREDITOR? 

Even my XXXX XXXX XXXX as well as the Veterans Administrations are aware of my address change since leaving XXXX XX/XX/XXXX. And I have received appointment notices to my XXXX XXXX, GA Address since moving to this address. 

And what is so troubling about these five tries is that my address information has been compromised by a clandestine creditor, one made up by operatives involving the false traffic alleged citation from the lying XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, TX. 

And what makes this so ridiculous is that Equifax sent me my XX/XX/XXXX XXXX  Score to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. My First legal name was XXXX which was changed XX/XX/XXXX. However, both the XXXX as well as that of the XXXX XX/XX/XXXX reflects the same first name. So how is it that a clandestine creditor can report my current address and change it to my old XXXX TX Address. Thus the privacy and the communications of an address change has been fraudulent done via the permission of Equifax without notify me nor sending any information that my address has been changed since XX/XX/XXXX from being my XXXX, GA address to that back to my old XXXX XXXX XXXX address. 

This is criminal and I want to be highly compensated by Equifax in the sum of XXXX  XXXX ( XXXX XXXX Dollars ) for their actions of allowing my privacy to be violated. So who is this unknown clandestine creditor that involved knowing my PRIVACY as well as pertinent information. Whom was allowed to change my address without me, XXXX XXXX knowing about it and agreeing with the change. 

Plus, Equifax has failed to reveal who this XXXX creditor is that violated my privacy as well as my Personal Credit Information. This is criminal and I blame Equifax for allowing such without a consent and agreement by me XXXX XXXX of the XXXX, GA Address. 

Because all of my CREDITORS including the banks whom I have credit cards with as well as Department Retailers, XXXX  XXXX, XXXX and the U S Postal Service. All knows and are aware of my current address as being XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX since XX/XX/XXXX.
I was in the process of buying a home and a few days before closing my lender explained that new collections hit my credit report. I immediately called XXXX XXXX agency and paid the amounts and asked that they delete the collections because I didn't receive notice of the collections. My credit score prior to this occurrence was in the 800 's and now I'm in the mid 600 's. I have two issues with how this was handled. 

1st- the medical debt was one occurrence and they reported it four times which decreased my credit score greatly. 

2nd- I didn't receive bills regarding these collections and If I did, I thought I paid them in XX/XX/2017. Their billing system is very confusing and I was working with the hospital and insurance. They didn't call me to ask why they didn't receive payment and I thought the issue was resolved. I had over 100 k in medical bills and it's very confusing to know what's paid by insurance and what i was responsible for. They claimed that they sent letters but were very vague and unwilling to help me. I am more than willing to pay my bills but XXXX XXXX XXXX don't make it easy. I even called in during this time to verify the collections I paid below and I wasn't notified that there were others sitting out there, I would've paid them had I know. 

3rd- I think it's unfair that my score goes down over a 100 points for services that were unavoidable. I have never had collections in the past and my other trade lines are paid on time and with minimal balances. I am currently doing a renovation loan and thought the issue was resolved until my mortgage lender pulled my credit. The other scoring models I subscribe to rate my credit much higher. I am going to pay a higher rate and fees if this issue isn't resolved and I am hoping you can help with this matter. 

I appreciate your time and please feel free to call me at XXXX or email me at XXXX XXXX XXXX XXXX XXXX Check # XXXX was mailed to XXXX XXXX XXXX for receipt by XX/XX/2017. 




Funds were withdrawn from your XXXX XXXX account on Info Not Available. 


Pay XXXX XXXX $ XXXX On Info Not Available Info Not Available PAPER CHECK Processed XXXX XX/XX/XXXX ( Estimated ) XXXX
I have been paying the required monthly payment plus some since my repayment terms started in 2008. My loan payments were supposed to end this year and then Navient changed that and now somehow my loans extend into next year and beyond. I was supposed to be done this year according to when I had my loan with XXXX XXXX and now I still have like {$5000.00} left somehow. I pay the required amount every single month I do n't understand how I still owe so much on my loan. It does n't seem right
I have a loan with XXXX XXXX company, I lost my job so I fell behind on payments I spoke a young lady regarding the issue I was told that they are going to report to all the credit bureaus my late payments which is understandable, then the phone calls started I was getting calls up to 10 times per day early morning late night and all day, they called my neighbor over 4 times even when he told them to stop they called another friend and she told them the same thing but they kept calling, finally some one named XXXX called my sister on XX/XX/2018 around XXXXXXXX XXXX  and asked about my where about, my sister asked for the reason, XXXX proceeded to tell my sister whom is not on the loan nor is she a co signer, the amount of the loan how many month 's I was behind the interest rate of the loan and my payment amount in clear violation of the Collection Practice act, further more XXXX informed my sister if I did not send {$50.00} in the next 48 hours I will be prosecuted, which made my sister panic and she was pleading with XXXX not go through with it cause I had just started a new job I will be making payments again real soon, again a violation of my rights, I'm asking to make them stop calling me and my family members and I would like to know what is my legal recourse and what can I do about this blatant violation of my rights, do I need an attorney?? please advice
I HAD A CREDIT BALANCE ON MY ACCOUNT OF XXXX CENTS. THIS MONTH MY ACCOUNT WAS CHARGED TO REMOVE THE XXXX CENTS. I CONTACTED CHASE AND WAS TOLD ANY CREDIT BALANCE UNDER XXXX ( XXXX - XXXX ) WOULD BE ADJUSTED AND RETAINED BY CHASE AS INTEREST IF NOT USED WITH 60 DAYS. I WAS NOT OFFERED A CREDIT BY CHASE OR ANY SUPPORTING DOCUMENTATION. I REVIEWED MY ACCOUNT OPENING MATERIALS AND COULD NOT FIND ANYWHERE THAT STATED THEY CAN KEEP MY CREDIT IF I DO N'T USE IT WITH 60 DAYS. XXXX CENTS IS NOT A LOT OF MONEY, HOWEVER WHEN YOU HAVE XXXX CUSTOMERS IN XXXX STATES XXXX - XXXX CENTS CAN ADD UP TO XXXX DOLLARS IN UNDESERVED PROFITS TO THE BANK THAT DOES NOT BELONG TO THEM. TO ME THIS APPEARS TO BE THEFT BY CHASE BANK AND XXXX CUSTOMERS ARE BEING DECEIVED ; BECAUSE TO MOST PEOPLE PENNIES DO N'T MATTER. PLEASE INVESTIGATE.
The alleged debts Portfolio Recovery Services claim are owed are over XXXX years old and beyond the statute of limitations provided under the Fair Credit Reporting Act. The company fraudulently misrepresents alleged debts are legally owed and must be paid in order to try and coerce a promise of payment.
I signed a contract with XXXX XXXX to purchase a new home in On XXXX XXXX, 2015, with the understanding that I would receive $ XXXX in closing if I " only '' use their mortgage company NVR Mortgage Financing. I was fully approved for the loan and my closing date has been set for XXXX XXXX, 2015. However, over the last few weeks, there is a back-and-forth conversation with NVR Mortgage Finance in regard to deferring my student loan. I told them in the beginning of this process and repeatedly thereafter that XXXX, my student loan servicer, will only defer my loan twelve ( 12 ) months at a time, but they want to extend it to 13 months. I was told by another lender that the reason for this is deceptive practices and that NVR Mortgage Financing plans to sell the mortgage loan as soon as possible. Three years ago, I experienced the same issue with NVR Mortgage Financing, whereas, after I applied for a twelve ( 12 ) month deferment, they wanted to me to push for 1 more month. Because I was unable to do so, they did not honor their agreement and I was not able to purchase the home. This time I want a resolution to this deceptive practice. You are held hostage by NVR Mortgage Financing with no other options until they decide that you are not worthy of their funds. They have accessed my credit report numerous times ( only XXXX of which I approved ) through XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, since I applied for the mortgage only to lower my score so that I would not be able to apply with another lender.
There are items still showing up on my credit file that has been removed over 18 years ago. Barclays bank credit card company just sent me a denied notice for a credit card and everything that is stated as a reason not to approve me for credit card is wrong and illegal. They stated that they have a charge-off, bankruptcy, severe delinquency, negative performance and that no credit bureau report was not used in making this determination. also, XXXX XXXX has done the same thing. What can be done about this wrong doing by these companies. These types of denials show not be use against me by Federal Laws under the fair credit reporting service.
My company is XXXX XXXX XXXX XXXX, I am a licensed real estate broker in the state of Florida. I have been hired by the owner of the home XXXX XXXX XXXX, XXXX, FL XXXX to sell her home in XX/XX/2018. Do to the condition of the home and the market, the offers in conjunction with the closing fees have made it necessary to request the bank to complete a short sale. The company that is handling the short sale is a servicing company called XXXX XXXX XXXX , XXXX. I have been authorized to speak on behalf of the seller to discuss with the bank the process of the short sale. The owner and myself have diligently done everything we can to work with the XXXX XXXX XXXX XXXX. 
The reason for my complaint is I feel that XXXX XXXX XXXX XXXX. is with intention, fraudulently delaying the process of the short sale in order to collect serving fees from its investors. I have literally called XXXX XXXX XXXX XXXX. 30 plus times ( nearly everyday ) and every time I call them they tell me I have to have a new document that is required. Literally every time I call they make up a new document that could have easily been supplied 60 days ago. Even though each time I call them they tell me that after this new document that they now have every document. The very next day I will call and they literally make up a new requirement. We have supplied SPS the same documents literally XXXX and 3 times. I will call one day and they will tell me they have everything and then the next day they have a new requirement that they said was always required but the last XXXX people in 60 days somehow missed. Today I just spend an hour on the phone today with XXXX XXXX the XXXX supervisor I have had to escalate my call to in the past three weeks. Now last week they told me they have everything. Today as I was on the phone ( this has literally has happened 30 times ) XXXX tells me I need two more documents. I am not exaggerating, literally every time I call them they come up with a new document that was not mentioned to me in the past 30 calls. Today it was the listing agreement. The home was listed 90 days ago. All of a sudden they need this document though it has been supplied 2 other times. Then they needed written authorization for me to talk on the account even though I have been authorized to talk on the account the past 30 calls today a new requirement is they need it in writing. 
Literally everyday they create a new document, I am not talking about just critical document but ones they come up with everyday as a new requirement that has nothing substantial to do with the sales process. 
I truly and honestly believe this company is committing fraud. They are purposely delaying the process in order to collect fees from their investors. Please investigate the operations of this company. They are doing this with intent. My conversations are recorded. The calls are documented. The loan number is XXXX.
Ms. XXXX filed an identity theft dispute of the fraudulent MasterCard account upon which Fifth Third declared " We have conclusive evidence that you conducted the transaction '' via letter of XX/XX/18. However, they provided no supporting evidence of this conclusion. XXXX submitted a formal dispute, including victim 's police report, on XX/XX/XXXX. The certified/return receipt requested was received by XXXX with an illegible signature as of XX/XX/XXXX. On XX/XX/XXXX, Fifth Third claimed that they did not have the Limited Power of Attorney, provided by XXXX, as was signed for on XX/XX/XXXX. So that same day, Ms. XXXX submitted a file disclosure request as allowed by law. That was again signed by an unknown again on XX/XX/XXXX. Ms. XXXX was then contacted by Fifth Third on XX/XX/XXXX requesting a copy of the Limited Power of Attorney, police report and ID Theft affidavit ( again ). This documentation was faxed to the representative at the provided fax # of XXXX. To date, neither XXXX or Ms. XXXX has received any documentation supporting Fifth Third 's claim of validity or evidence that Ms. XXXX actually applied for, authorized or used the account in dispute. This is a complete failure of XXXX XXXX to abide by Ms. XXXX 's legal rights as provided by FCRA and FDCPA.
Equifax is currently reporting inaccuracies in my credit report. There are now XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XXXX which is when these late are showing incorrectly on my credit report. Instead of fixing these errors equifax has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law.
My XXXX was " bought back '' as part of the XXXX Settlement on XX/XX/2017. The loan payoff amount was not accurately calculated, which resulted in a loan overpayment of {$1700.00}. Instead of these funds being distributed, they are being held for a month.
Portfolio XXXX is trying to collect a debt that I do not owe. If I ever owed it, it is beyond the statute of limitations in my home state. Additionally, they have begun to call my wife and told her that I owe them money.
XXXX XXXX, XXXX CFPB Can you help me get these " Qualified Written Requests '' answered? 
Please consider this information petition a " Qualified Written Request ''. 
1. In the 3 month trial loan modification dated XXXX XXXX XXXX, page XXXX, it states " we ( Planted Home Lending ) will hold the trial period payments in an account until sufficient funds are in the account to pay your oldest delinquent monthly payment ''. Could you please send me a breakdown of how these amounts were distributed? Also how were the next three months payments applied? 
2. Please send me a complete escrow statement for XXXX. 
3. There have been several changes in the last couple of years as in ; sold, transferred and contracted. We need to correctly up date our records. Who is the current Note Holder on our loan?
On  XXXX   XXXX ,  2017 , I wrote a letter to Enhanced Recovery Corporation that also goes by ERC a collection Company, of notice disputing their claim of this alleged debt with their client  XXXX   XXXX  also known as   XXXX   and requested documentation of such, with no response from them. So I filed a formal complaint with the Consumer Financial Protection Bureau case number  XXXX . Enhanced Recovery Corporation or ERC responded back to my complaint on  XXXX   XXXX ,  2017 , stating quote " In response to  XXXX   XXXX  's complaint, ERC has no record of a   XXXX   XXXX   account matching his information ''. I have confirmed with the credit bureaus   XXXX    and  XXXX   XXXX  that Enhanced Recovery Corporation is reporting this alleged debt twice once under the  Name Enh anced Recovery Corporation and the second under ERC. Enhanced Recovery Corporation and or ERC are still not reporting to the credit bureaus that this account is in dispute and still not have provided the documentation as requested of this alleged debt as required by law and are in violation of the Fair Debt Collections Practice Act ( FDCPA ). They have intentionally misrepresented the truth to CFPB and I have the supporting documentation from the credit bureaus stating as such.
The original debt about 12 years old. But every time I complain to XXXX that this debt is too old to be on my credit report, they change the open date. XX/XX/XXXX they changed it to XX/XX/XXXX now it 's at XX/XX/XXXX as the date it was originally opened. However, this debt has been on XXXX report for well over 10 years. I want it removed and the company to stop Lying about the open date.
You are aware, counsel that the crime of fraud in the mortgage servicing is against public law and I humbly request an investigation in order to save my property, as my ex-wife did not sign any document committing the subject property. 

Since XX/XX/XXXX I filed a complaint with the CPFB Case # XXXX XXXX XXXX, this matter has never been resolved. The reason being the pattern and tactics the companies used and continue to apply to invade State and Federal in my case up to Case # XXXX with Shellpoint Mortgage Servicing. May I understand a fair solution Shellpoint provided the CFPB to date in my case? 

My complaint is that over the years all of the solutions I presented and explored were denied. Moreover, these companies have never presented to the services of your good office a resolution or work on one with me to date. On XX/XX/XXXX, I was in court to postpone the target. The court instructed me to come up with a solution before the XX/XX/XXXX sheriff Sales. 

In view of the above, the only solution that I have is to pay the full amount of the principle of mortgage note debt of {$20000.00}. I need the sales postpone pending an answer from the FBI office concerning my complaint.
To begin, I make this request for myself and by myself without the current assistance of an attorney or other aiding organization. My account with the Consumer Protection Bureau is directly linked to my personal email account that I have had for over 10 years. I am a well educated individual who is very aware of my rights as a consumer. Pursuant of the Fair Credit Reporting Act I request a detailed description of the method used to verify the information provided on XX/XX/2017 within 14 days of this request. 

I make this request because I find it very unlikely the aforementioned creditors have legally verified the information. This is due to the fact that I have directly requested supporting documentation proving I owe the balances they are demanding and they have failed to produce any evidence. In some instances I know the balances are grossly misrepresented. In some instances I am completely unaware of where the account originated from. Despite being unable to validate the information they are still reporting the inaccurate information. Which is why I am placing the burden of accuracy onto Experian, a right the Fair Credit Reporting Act affords me. 

Although, it is not Experian 's obligation to mitigate disputes between consumers and data furnishers, it is Experian 's obligation to ensure the data furnishers are following the laws which govern credit reporting and collection. I understand you are not obligated to acquire original documents to verify the information, however ; data furnishers can not report information that they can not validate to me, the consumer after I have requested it. This letter is advising you that the companies have not complied with my demand for validation. It is now your obligation to verify their compliance with my debt validation request prior to the blind continuation of reporting their furnished information. 

At a minimum I need a detailed description of how the information was verified. Ultimately, I need the invalid information removed from my reports immediately as it is causing financial harm. I XXXX and this inaccurate information is preventing me from obtaining necessary loans for me to earn a living. If you continue to report information that the company has not validated with me or fail to provide a detailed description of how this information was verified, I will pursue legal action in the XXXX County Court of Nebraska. I will seek lost earnings in the amount of {$2100.00} per week which is what this invalid information is costing me. In addition to the actual damages, I will seek statutory damages for every unverified and invalid item you continue to report. Finally, I will seek recoupment of any and all legal fees I acquire to enforce the Fair Credit Reporting Act with your company. I assure you I have the time, the grounds, and the legal and financial means to take the actions mentioned.