WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, I am currently in the middle of purchasing a house. I am a veteran just trying to use a VA home loan to accomplish my goal. I have been approve based on my credit score with XXXX  but lack of reported credit and unwillingness of communication between credit bureaus and companies, even at my own personnal request, as well as between the credit agencies themselves is appalling. The only thing I was requesting was proper communication between all parties involved. 
My loan officer ran my credit reports from three credit bureaus. On all three reports there was missing information between the three. Experion, XXXX  and XXXX all had info on them that was not in the other. The report showed an open line of credit open on XXXX  but not the other two.Experion showed a child support balance, paid in full. And XXXX  showed another State child support also paid in full. What i asked of the bank showing the line of credit to report it to the other two credit bureas, they claimed they only report to XXXX  and refused to report to the other two agencies. When i contacted XXXX  they informed me that there was nothing they were willing to due to add the credit line to the report. Both Washington state and North Carolina State child support agencies informed me they report to only the one respective agency. When I requested the paid balances be reported to the other agencies they replied with the same answer of they refused my request. I have tried to get this issue resolved so i may be able to use my VA benefits to he best of my ability but feel as though there is no cooperation or willingness for a smple exchange of information. I am requestion assistance in resolving this issue in a timely matter due to the process of requiring a home for my family and I. 
Thank you -Time frame and date of incident is : Report generated XX/XX/2019 @ XXXX Attempted actions to correct issue : XX/XX/2019 between XXXX and XXXX ( Mountain Time )
I have called discover bank back a few times regarding this issue and they keep on saying that my account is suspended due to derogatory marks on my credit report from well on over 12 months ago. I have paid down the balance I have owed on the late payments. They are still saying because of what happened they cant do anything with my account because of my past actions due to Financial hardship. Basically I am just paying down my balance at the moment and i'm still not allow to even use the card i feel like this is racism and messed up I have fixed my past with them and still on a suspended account and cant even get a credit increase.
I attended XXXX University online using my post XX/XX/XXXX GI bill. I filled out the proper forms with the schools VA Representative to be sent for validation by the VA education department. The school allowed me to attend the spring  semester of XXXX and never informed me that there was an issue with my funding from the VA. Recently I was contacted by Ability Recovery Services from which I replied by mail with a debt validation letter. In turn they immediately sent another letter stating I failed to respond and that I had ten days to give them {$4100.00} or adverse actions would affect my credit. 
The company has been reported to the States Attorney General and now I am filing a complaint with you. This debt is between the school and the VA. Evidently my correspondence with Ability Recovery Services LLC XXXX. XXXX XXXX XXXX, PA XXXX was not enough to have them investigate who the debt belongs too. Their telephone number is ( XXXX ) XXXX EXT XXXX Attention XXXX XXXX.
On XX/XX/XXXX I attempted to use my Southwest Rapid Rewards VISA card and was told that it had been blocked by Chase Bank due to fraudulent activity. I called in at that time and identified all of the questionable charges as legitimate, as I was in the process of moving and one of the charges was for the moving company and the other was for a lunch I had taken a fellow who had helped me pack. I explained to the agent at that time that I was in the process of moving and the block on my account was lifted. This morning ( XX/XX/XXXX ) I attempted to purchase office supplies from XXXX XXXX, a company that I regularly do business with and had ordered supplies that I usually include with an online order. I received an e-mail this morning from XXXX XXXX after I had completed the transaction online that the transaction was declined and shortly thereafter received an e-mail from Southwest Rapid Rewards Visa ( Chase Bank ) that two transactions had been blocked ; the transaction with XXXX XXXX and a transaction with XXXX XXXX XXXX for the rental of a unit I have with them. I have leased this space for three years and each month on the XX/XX/XXXX or XX/XX/XXXX of the month XXXX XXXX XXXX places a charge for the monthly rent. I later called Southwest Rapid Rewards VISA ( Chase Bank ) and verified that both of these charges were legitimate. I was told that the block on my card had again been lifted. I then questioned why a ) a charge that was recurrent every month had been blocked ( and clearly was legitimate ) and b ) why a charge to a merchant that I regularly do business with for items that I regularly purchase online was blocked. I then got passed from department to department with no clear answer being given. Several minutes later I called XXXX XXXX to ask them to resubmit the transaction on the Southwest Rapid Rewards VISA and they told me the account was still blocked ( in spite of the fact Chase Bank had previously told me they had lifted the block on the account ).
I bought a puppy from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   NV XXXX ( XXXX ) XXXX An I got her on XX/XX/XXXX and she got sick and took her to XXXX XXXX XXXX of XXXX XXXX to find out she was in Critical condition with many issues. Got a bill for couple hundred dollars. They call me and told me she was getting worse. I stayed with her for couple hours and she was throwing up and having issues. Took her back to XXXX XXXX and the owner wants to act as if she fine. The dog cant even stand up and said I can get a full refund and the story changes. As im leaving the owner wants to tell me that the dog is fine she just ate. The dog has not been able to hold food in any way. I finance the dog threw. Hello Funding LLC.

I bought 2 dogs in which the other dog has issues as well.
The issue is with Private Mortgage Insurance ( PMI ) charged during Loan Payoff. PMI was charged for the whole month. After refinancing my mortgage loan, although I closed on XXXX of the month and lender charged PMI fro the whole month
I am currently investigating and building a case against Experian for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from Experian, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
Experian refuses to provide me with proof that the companies below had a permissible purpose to receive my credit file from Experian. XXXX XXXX, this inquiry is showing that it was pulled once in XX/XX/XXXX, twice in XX/XX/XXXX and once in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX. Therefore, the XXXX XXXX, ( four times ), XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX inquiries need to be removed from my credit file from Experian. This is a violation of the FCRA as well as a detriment to my credit score. I believe that I may have been a victim of the XXXX  data breach and am therefore requiring Experian to investigate properly. On XX/XX/XXXX, I was also informed by XXXX XXXX that my personal and financial information was included in 4 data breaches dated all the way back to XXXX. A copy of their letter is attached to this complaint. On XX/XX/XXXX, Experian placed a fraud alert on my credit file without my authorization which is fine, however they still have not provided me with any proof of any permissible purposes. I have since then changed my passwords to various accounts. The FCRA states that the only permissible purpose for pulling someone's credit report is either a firm offer of credit, insurance, employment or a court order. The above inquiries are related to none of these permissible purposes. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.
In XXXX I purchased a deed for the property I was living in, and filed it with the state. I put down a deposit and I was given a contract for what I thought was alternative method of home ownership. The home was sold as is, with no HVAC unit in the property, major roof damage, and sub grade plumbing. Since I am XXXX  XXXX I thought this was my only option to own a home. I remained in the property until XXXX, paying my mortgage. As with most mortgages, my mortgage was sold three different times. The final Company was STATEBRIDGE COMPANY, LLC. By sheer luck a letter was sent to my home stating that a tax lien would be executed in XXXX XXXX because of non-payment of taxes. I could not understand why that was the case when I have been paying my mortgage as agreed. I contacted the state and asked them why they sent a letter to this address to an unknown company name when I in fact was the owner. The state informed me that they did not see my name associated with this property. They also asked me how long I have been living there. I informed them that I purchased the house in XXXX and was asked to provide a copy of the contract that I had. I complied with that request and was informed that I was not listed anywhere on the property and all I had was a security deed for a loan, and it did not mean I own the home. 

I 've then contacted STATEBRIDGE COMPANY, LLC to find out their response to this information and have yet to receive a phone call back. I did a XXXX search and discovered a CLASS ACTION law suit and numerous complaints about this company and thier illegal business practices. 

I have been getting harassing letters indicating that they were going to foreclose on this property. How can they foreclose on the property when I do n't own it? I have an been an unknowing " renter '' for the past 6 years! To add insult to injury and I have been on a massive repayment plan for the last year. I fell behind three months in XXXX due to a XXXX, and they agreed to a repayment plan. Which more than double my mortgage. I tried to get them to work with me because I only have XXXX income, but they refused. I have now lost the place that I lived in for the last six years They padlock the property with my belongings in it, and placed a sign on the door. They have told me I must surrender the property. Their interest have peeked now that property values have increased due to the library being built down the street from the house, and the 10 minute travel time to the airport. In addition to that they have reported me to all three credit bureau 's as having a mortgage. And have reported me as late on mortgage payments. This of course ruins your credit and your options to secure a loan or get financing from anyone else. I feel like they have tried to take advantage of a XXXX person. Since I do n't own the home there was no recourse but to move out. But to have to continue to pay to an " investor '' while I struggle to make ends meet is just wrong! Is n't this how we ended up in the last housing crisis that almost took down this country? Is there someone out there who can help protect XXXX persons and protect them from predatory companies like this?
Contact the credit agency to dispute inquiries that were made with my knowledge, after there investigation they conclude the information was correct. I contact the individual companies I never heard back from them regarding the matter. I have attached a pdf of the document the was sent to Transunion XX/XX/2015.
In   XXXX   I had a short sale. The second mortgage  Ditech Financian  continues to report the 2nd mortgage that they released liability on to this date and it has continued to negatively affect my credit and ability to get approved with lenders. Even though the 4 year seasoning has been met for a conventional loan with the mortgage still reporting as an outstanding debt it causes lenders to either have to pay for a rapid rescore to remove the information or manually underwrite my loan. I would like it removed once and for all.
I received a " bill '' dated XX/XX/XXXX from this company stating that I have an unpaid debt with them in the amount of {$1000.00}. I have never had any dealing with this company. On XX/XX/XXXX they signed for a certified letter that I sent them requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

I requested that I am asking for validation ; that is competent evidence bearing my HANDWRITTEN signature ( not a computer generated signature ), showing that I have ( or ever had ) some contractual obligation to pay them. I also advised, that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, or have never owed, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I did not receive any validation or correspondence from them. 

However, what I did receive was a notification from my credit monitoring service that they placed not one or two derogatory marks on all 3 of my credit reports but four ( 4 ). One on XX/XX/2017 ( before their initial " bill '' and the second on XX/XX/2017 ( 2 days after receiving my letter requesting validation ), XX/XX/2017 ( just after I filed a complaint with the BBB ) and the last one noted on XX/XX/2017. Making 4 negative entries on my credit reports has caused my credit score to drastically decrease between 20 - 45 points ( depending on the credit bureau ). These marks are clearly retaliation for me challenging them.

XXXX XXXX  never responded to me directly from the certified letter I sent them. They only responded to me through my complaint with the BBB, Their " verification '' is an itemized bill. According to XXXX ( attached ) this is NOT " verification ''. 

Removing ALL items that they placed on all 3 of my credit reports immediately and permanently. If this is not done within 30 days, I will be filing a suit in court and seeking a minimum of {$1000.00} in damages per violation for : a ) Defamation, b ) Negligent Enablement of Identity Fraud, 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
I have sent  XXXX  written request to Equifax requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under  Section 611 ( 5 ) ( A  ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.
I received an alert that an item ( that I have no knowledge of in the first place ) from XXXX XXXX had been removed from my credit report on or around XX/XX/XXXX. I was told that there was a glitch in the system. I thought maybe the glitch was in my favor being that I do not have knowledge of this account. On Sunday, XX/XX/XXXX, I received another alert that it had been added back to my reports. I did not receive written notice from either the collection agency or CRA 's that this item would be reinserted back on my credit file. New, validated proof of the debt was not provided either. This reinsertion is a clear violation of the Fair Credit Reporting Act. This reinsertion has also caused a decline in my credit score and I am very unhappy. Due to this violation of my rights, I am requesting that this item be removed  from my XXXX and XXXX reports permanently and immediately and that it not be placed on my XX/XX/XXXX report.
My Morgage company Ocwen is preventing me from being eligible for A Harp.They 're reporting an error code characteristic to XXXX which is making the loan be ineligible.
NCO/EGS KEPT CALLING MY WORK AND CELL AND IGNORED CEASE AND DESIST AND FINALLY WENT ON MY CREDIT REPORT. 

XXXX XXXX XXXX SS XXXX XXXX XXXX XXXX SS XXXX
I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.
I have an installment loan out with Oklahoma Credit in XXXX, OK They have called my cell phone numerous times from unknown/blocked numbers. I have asked them to stop doing so for the simple fact that I do not answer calls from such calls, which results me in not knowing they are trying to get in reach with me regards to my loan. I know it is against CFPB regulations for the company to hide their identity, which is what they are doing.
I have contacted the lender and asked to refinance my high interest rate personal loan. The loan has been paid timely and is not delinquent. I have had a change in income and my husband is now unemployed. The lender refused to renegotiate terms with me including a lower interest rate so that I can remain current on the loan.
I was sent an email claiming I needed to " review and acknowledge disclosure of this receipt within the next 30 days '' for my federal Perkins loan. This email was from XXXX XXXX on the XXXX of XXXX, 2018. I had never gotten loans through this company before, so I was confused but made an account anyways. 

Their account creation was incredibly obnoxious ( three security questions were required for some reason ) and to log into my account I always needed to answer one of them, something I'd never had to do before on any website, loan or not. To add to the frustration the website logs you out after 10 minutes or so, regardless of whether or not you're active ( I was entering information at the time ) It's UI is so horrendously confusing to the point that it seems deliberate ; you have to " link an account '' to see any loans. " I don't have an account to link? That's why I created one? '' Are questions that immediately came to mind. I tried to use the code that came with the email to link whatever account existed, and I get the message " this code is currently in use. '' I try again, and then call their support ( this is all on the XXXX of XX/XX/ 2018 ) ; they tell me, unhelpfully, to try again later. I waited an hour and tried again, to no avail. Their support line was then closed, so I was stuck with no way to progress. 

XXXX XXXX gives you no other method to link an account. You need your school 's code, which they don't provide a search method for, and your account number, which they also give you no method of obtaining if you don't know what the account is. When first accessing the account, the code is the only method through which you can access the account. There is no quick way to resend the code, as with literally every other website that I have ever used.
I have a private loan through Sallie Mae, now XXXX. I acquired the loan for my semester starting XX/XX/2010. They lied, from the very beginning and being a young and impressionable kid, I did n't know any better. They told me my variable loan would n't go above 6.9 % interest when i signed, it is now at 10.25 %. ( I now understand the difference between fixed and variable ) I tried to get my co-signer released multiple times, and was told at least 2 of those times they " had n't received my fax in regards to my income/XXXX etc. when i had the fax confirmation etc. ) Just overall constant run arounds with their services. I called 2 years ago asking for an income based repayment plan or interest rate reduction because it was at 9 % then and got bounced around multiple times, was told to call back in 2 weeks so they could " get things in order, in regards to my finances etc. '' I called back in 2 weeks, that person, XXXX i think? switched departments, I then had to go over my whole situation again, although I only got halfway through when the customer service agent cut me off mid sentence saying " Well your mother is a co-signer, you should just let her pay. '' I was never so irate or upset, and had n't called back for a year after. Tried to get her released again a year later, submitted XXXX 's etc., got the fax confirmation, I know it was the right number, etc. and they still tried to give me the line " they had n't received it ''. I 've been waiting for a lawsuit with this loan service and my prayers have hopefully been answered.
Hi - I would like to add a person to my deed for the condo I own. I called Roundpoint mortgage XXXX times, wrote them XXXX letters, and they refuse to tell me. I would like to know if I add a person to deed, how does that effect the terms of my mortgage. After XXXX calls, they said XXXX owned the loan. After calling XXXX XXXX times, they said they are only the guarantor of the loan, not the owner. They said Roundpoint mortgage has a responsibility to tell me.
I started making extra principle payments to my mortgage company ( Coldwell Banker Mortgage ). I noticed they were not being applied to the principle and instead were being held and applied to the next regular mortgage payment. For example : I paid my XX/XX/XXXX payment, I then two weeks later sent another payment this payment was held and applied to my XX/XX/XXXX payment, then when I paid my XX/XX/XXXX payment they held it and applied it to XX/XX/XXXX. Upon noticing this I contacted my lender to get the principle payments corrected. My lender said they would fix the issue. I had 4 payments that were incorrectly applied ( for a total of {$19000.00} ). I contacted the company on XX/XX/XXXX. They said everything would be fixed within 7-10 business days. I checked on XX/XX/XXXX and only two had been corrected. I contacted the company again ( on XX/XX/XXXX ) as it had been past the 10 days to find out what happened. I was again promised that everything would be fixed but that it would take 7-10 business days. I informed them that this was not acceptable since I had already call on this and they had not fixed it. I was promised by the lender that they would get it fixed and that they were putting in a " ticket to get it fixed quicker ''. I again checked on XX/XX/XXXX and still it is not fixed. I again called the company who told me " it takes time to process, but it has been submitted ''. I checked again today XX/XX/XXXX and it still is not fixed. Right now the company is holding {$4800.00} that should be applied to principle during XX/XX/XXXX and XX/XX/XXXX, and instead telling me I do n't own my mortgage until XX/XX/XXXX which is not what I want. What makes this extra frustrating is that I am currently XXXX, so I have to call in the middle of the night to be able to reach the company during their " normal business '' hours.
On XX/XX/2018, I attempted to dispute an account from XXXX XXXX ( # XXXX ), this account was added to my personal credit file through theft as I was a victim of Identity theft in a security breach with XXXX XXXX XXXX. The disputes were all sent via certified mail, yet I have received no response from any of the Reporting Agencies as to the removal of this fraudulent account.