WillisBack/dataset-financial-user-claim huggingface dataset:
We contacted AmeriSave on XX/XX/XXXX, requesting information on products that they offered for non-owner occupied loans for two residential properties. First, we spoke with a representative, XXXX XXXX. We asked him if we were eligible for these loans, given that the title on the properties may be in the name of our XXXX XXXX XXXX XXXX. He assured us that he would check first before we initiated the process as he didn't want us to pay for an appraisal if it wouldn't go through. XXXX stated that he verified this information by checking county records and checking with his colleague. We started the process, submitted the initial application and scheduled the appraisals on XX/XX/XXXX. On XX/XX/XXXX, after the appraisal was completed and we paid for it, they stated that they could not work with us on one property as the title listed a company and not individuals. This was the specific question we asked before even moving forward with AmeriSave. It ended up that we wasted time and money on an appraisal for one property that wasn't applicable. The second property was eligible, so we decided to move forward with the loan process and providing them with an abundance of documentation. 

Through the month of XXXX and up until even today XX/XX/XXXX, AmeriSave has made our lives miserable and required 7 separate conditions from the underwriter. Some included full 12 month mortgage verification on a property completely unrelated. All property HOA and HOA bills ( twice ), insurance documentation, and more. I had complained that this was highly unprofessional, some conditions ( items requested ) were already sent and in their possession ; yet they requested it again anyways. Still, they continued exercising us constantly. We complained to management, and they told me that the underwriting manager as well as the loan officer 's manager were both involved. They came back with a final condition for full tax returns on two companies that we have ownership in. We submitted this final information on XX/XX/XXXX. I have called the loan officer responsible for our case everyday since then. I have left voice mails. She is very familiar with me, but I have received no response back. I have sent various e-mails, and still have received no response. They have gone completely dark and I can not contact anyone regarding my loan or what the current status is. I have been bullied throughout this process, have paid wasted fees, and taken time out of my busy schedule to bend backwards for them on multiple occasions. I have been proactive throughout this entire process, with me always reaching out to them, instead of vice-versa. I have run out of options, and can not stand for the unprofessional and uncaring attitude that is apparently systemic throughout this organization.
Charging me XXXX dollars for not having money on my bank account I recently lost my job and my account dipped below XXXX for a day and I was charged making it hard to make ends meet XXXX they ( TD bank ) are blocking me from using 3rd party apps from accessing my financial information MY INFORMATION
There is a legal item listed on my credit report that I paid and is listed as paid but I can not seem to get anyone to help me take care of it.
Fraudulent merchant ( XXXX ) on Paypal. This merchant never provides service and asks for payments beforehand.
This agency is representing a client " XXXX XXXX XXXX '', who is under intense scrutiny for having inaccurate documents on hand concerning debts owed. In fact, I have no knowledge of such account, in fact, this collection agency attempted " XXXX aging '' of the alleged debt to make it appear newer than it actually is. The creditor/collection agency can obtain all account opening documents, including with signatures.
I was suppose to work for a company by the name of XXXX XXXX. In 9 months nothing materialized and we mutually decided to end the contract. Once it was ended, I received notices from a debt collector Stuart Lippman and Associates. They stated that I owed XXXX XXXX for E & O Insurance through XXXX XXXX. I asked them for the policy that bears my name so that I can have the policy cancelled, as I have E & O that I purchased through XXXX. I explained to them that I am in the process of disputing this with XXXX XXXX and they told me that if I don't pay they will put this debt on my credit profile. I am in the process of purchasing a home, and I no longer can get the rate I had once I applied because since they did this, my credit has suffered as it dropped 40 points. I have had NOTHING negative on my credit in 5 years I worked very hard to get a good credit rating, and now I no longer qualify for the tier I was approved for and I am an Insurance Broker and I cant work for Companies with negative credit. I have continuously asked them to validate the debt by sending my the policy and instead they did just what they said and put this negative information on my credit profile. This has really affected me negatively and I do not owe this debt.
My name is XXXX XXXX and on XX/XX/2018 I visited XXXX XXXX in XXXX  XXXX, Oklahoma and while I was there I had made a deal to buy a new truck. As we were making the deal we had an understanding that the financing would go through XXXX XXXX do to rebates and I asked to make sure that we agreed that there would be only one credit inquiry and that it would be for XXXX XXXX the sales manager assured me of that then I go back to finance do the paper then the next thing I know Chase bank has pulled my credit. I then inquire about this and I am told that they have an agreement with Chase that they can look at every deal that is made even if there is no chance of the deal being made using Chase bank because I can be 100 % positive that there would never have been a deal done with Chase bank. The next day when I talk to the finance department about this issues and having the inquiry removed because of the misleading ways that they did and the fact that they can have agreement with a bank that they can pull people credit even if there is no chance is wrong then on XX/XX/2018 the finance manager informed me that XXXX nor Chase bank would be doing nothing about this and that I am stuck with it on my credit this is the second time they done this to me
Someone stole my personal information and identity and opened up a credit card account with Capital One Bank. The account is unauthorized and fraudulent and do not belong to me. Further, there are XXXX unauthorized and fraudulent inquiries from Capital One Bank listed on my XXXX XXXX, XXXX and XXXX credit report. I have been receiving harassing and threatening telephone calls and XXXX threats from Capital One Bank representatives in regards to the account and debt owed on the account. The account or debt do not belong to me.
I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 30 days late and past due on this account in XX/XX/XXXX and XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late or past due in XX/XX/XXXX and XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
XXXX customer service made calls to my phone while I was overseas right after I informed them that my phone was not working. XXXX even informed me that I will not be responsible for any customer service calls that they themselves made to me and when I received the bill, they charged me for calls that their customer service rep made to my phone while I was overseas in the amount of {$260.00}. I have had about XXXX different debt collection companies harass me about this same unjust debt. 
IC System located at XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX, is the current harassing me now about the same debt from XXXX after they stole my identity from XXXX.
hello, this complaint pertains to a company/bank in the State of Florida. For months and months, I told the Clerks/Supervisor That an account was made in part of my name and address that doesn't belong to me. ( fraud ). I thought that matter had been a workout. 
But I guess I was wrong. The dates for this matter go all the way back to XXXX of this year.
I was not notified by my mortgage company Wells Fargo that my loan was sold to another company. The law states I need to be notified 15 days before.
Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, Transunion, XXXX, and XXXX  all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX  ( XXXX ), ( 2 ) XXXX/XXXX XXXX-Banks ( XXXX ), ( 3 ) XXXX- MORTGAGE ( XXXX ), ( 4 ) XXXX XXXX ( XXXX ), ( 5 ) XXXX XXXX XXXX XXXX ), ( 6 ) XXXX XXXX ( XXXX ), ( 7 ) XXXX XXXX ( XXXX ), ( 8 ) XXXX XXXX XXXX ( XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XXXX ), ( 10 ) XXXX XXXX XXXX ( XXXX ), ( 11 ) XXXX XXXX  ( XXXX ), ( 12 ) XXXX XXXX ( XXXX ), ( 13 ) XXXX/XXXX XXXX ( XXXX ), ( 14 ) XXXX XXXX ( XXXX )
On XXXX/XXXX/XXXX I requested a 90 day fraud alert due to losing personal identification items. Instead of the 90 day alert Equifax placed a 7 year fraud alert. Since then, in both XXXX XXXX and XXXX XXXX I have mailed a letter to the address specified by Equifax for removal of fraud alerts. I included copies of my social security card, NC state ID card ( valid until XXXX ) and a current power bill. As of XXXX/XXXX/XXXX the fraud alert has not been removed. I want it gone immediately. I am including a copy of the page showing the fraud alert still present on XXXX/XXXX/XXXX. Equifax Confirmation # XXXX
I have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... Transunion, XXXX, & XXXX to this date XXXXX-17 they have not provided me with the original signed documents that I have requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over 18 hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXXX-17. 
I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score. 
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc. 
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.
This company is another example of dishonesty and fine print manipulation i filled an application to refinance my car within minutes the shared my info with XXXX different companies after i saw that i never wanted more then one hard click on my credit i looked them up on XXXX and it appears this is very usual for them to do this caused my credit to drop XXXX point please help
I have a negative dispute on my account that both parties say its their fault that they will not take off. Its been payed. 

Also, I have a legitimate claim on an individual and individuals who claimed they had my mortgage secured. They completely lied about this and my Property was foreclosed. I have all the documents and emails to prove this. 

Lastly, I was involved with two lawsuits and the lawyer who was in charge of these showed no documentation whatsoever. These lawsuits were against ex business partners. I still hold all the emails and legal contracts.
To Whom It  May Con cern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC SEC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Wh om It May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The  item ( s ) list ed below are as follow : Please update to the correct address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  Have enclosed  XXXX  bills PLEASE UPDATE MY  CURENT ADRESS ADD RESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  BELOW IS NOT MY ADRESS  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accorda nce with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request t hat you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, purs uant to 15 U.S.C. 1681i ( b ),  I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the  past six m onths.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and comp leteness of the item ( s ) i n question, including the business name and contact information of any furnisher within  15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law  to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
I was contacted via telephone for an invalid debt on XXXX XXXX, 2015. I spoke to XXXX I provided my new mailing address and requested a letter. I knew the debt she was speaking of was invalid and told her this. I also provided my email. I knew I needed their information in order to dispute the debt. I never got any letter and they called me again. I explained I need to see a letter. I will dispute this debt I can prove it is invalid. Now suddenly on XXXX XXXX, 2015 I see it was reported to credit reporting agencies. I contacted them to remove this since it is not accurate and I never received a letter and in NY it is my right to get a letter to dispute. She said it is too late and they can not remove it. I said that is illegal I do n't even know who you are. She transferred me to a supervisor who also said too bad they will not remove it. She wanted me to make arrangements to pay. I said no this debt is invalid and I can prove it. I explained I have been working on my credit and on time payments and this collection will destroy what I built. Again she did n't care. I said I am going to file a complaint. They are illegally reporting false information about me and did not give me the opportunity to dispute this. I know it is my legal right and I need to complain so they ca n't do this to others. This is unfair and it cost me over {$1500.00} more in interest for a new loan I was waiting to receive. This is not fair and I needed to report this unfair activity. Please help me resolve this.
When my loan was first sold to navient from XXXX they had low payments. XXXX month Then my payment went to XXXX a month. They are more than willing and they also preferr to put you in deferment then to take smaller payments so they can add interest to your total I have a total of XXXX in loan but now it is up to XXXX. It is hard enough to make XXXX but harder to catch up to pay the interest that has over grown they have had the loan since 2011. In 6 yrs the interest turned into XXXX. On their recognition to let you to deferred versus making smaller payments.
Hello, On XX/XX/XXXX, over XXXX dollars was taken from my checking account with Chase bank through a fraudulent XXXX transaction. I was told the issue would be resolved in 10 days by multiple agents including at the branch itself. They gave me a temporary credit of the money after I complained about the wait time but they made it clear that if they determine me to be at fault for this hack, they will automatically withdraw the money from my account again. 
Last week I called Chase because they accidentally put an extra XXXX dollars in my old account from a bank error ( admitted on their end ) and told me that I will just have to wait it out. I told them that the account was compromised and I needed the money out ASAP since it might just be taken again. They couldn't help me and I just needed to wait for it to be resolved which took over 24 hours. Luckily the money DID disappear ( I'm assuming Chase did it ) but they are still crediting money to the old hacked account ( such as vendor refunds and such ). On the same call I asked for a status on my claim and they told me I have an expected resolution date of XX/XX/XXXX. After I told them about how I was quoted 10 days, I was told they couldn't help me and after I asked for a manager, the rep refused to transfer me. I get that I have a temporary credit but this is money I can not spend since they made it clear they could take it back if they decide that I was at fault for the hack or they think it was valid. 
I've provided the email explaining the temporary credit and two call snippets. One admitting that they put money in my hacked account by mistake and the other telling me my resolution date. 

-XXXX
NVR INC, - XXXX. The sales and marketing folks located within the XXXX who are in some cases liscensed Real Estate Agents are not liscences mortgage loan brokers or originators. The Sales Rep quoted my wife and I mortgage interest rates, closing costs, financed MI, FHA premiums and monthly MI. They even estimated our interest rate without knowing our credit. In this case we ended up buying in a community that had a tax pilot. The Tax pilot was completely misrepresented in our Mortgage payment provided by our sales rep. They required us to use their lender by threatening contractually to raise our purchase price and to take away closing assistance provided to us by utilizing their NVRM company. We never wanted to use this mortgage company but they make it impossible to use another lender when they will make you pay almost XXXX more for not using them. There is no negotiation when it comes to this. Lastly, we are required to meet with their mortgage company, but that does n't happen timely and our attorney review period is over. The estimates being provided by the sales team do not even come close to what was shown to us by our lender. We were grossly misrepresented from the taxes, interest rates, FHA premiums etc. A complete bait and switch. The sales rep was using mortgage payment to encourage us to buy. On our estimate they even wrote, this is what your payment will " feel '' like after energy savings and tax benefits. I 've come to also learn that they are not accountants and the projected savings are just a tactic used to get you to buy. Watch out. this is scary stuff. We visited several other builders. None of them offered these financing options while buying ... very weird and sketchy
The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX XXXX 5 . XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX
I opened up a secure credit card after my recent divorce.I did n't realize at the time it had a monthly rewards fee. I was able to get other credit cards that were not secure and decided to close the account. This account was attached to my business account and my office admin contacted Wells Fargo twice to have it closed. The third time I called myself. It finally closes, except by the time they do close it ( XXXX more months later ) ... and only after I got into a shouting match with the guy from Wells Fargo who did n't seem to understand that the card was secure and we did n't owe any money, and if acter were owed a little over {$50.00}. My office is receiving XXXX3 calls a day about 3 times a week. Then we received a letter today advising that due to our handling of the account they were closing and that we owed XXXX in late fees. An hour or so after getting this in the mail, Wells Fargo called ... and my office admin again got no relief and ended up in a verbal dispute with the debt collector. I am very upset with the tactics, the extra fees, and the refusal to do what was asked ... as well as the fact that Wells Fargo does not offer an option to close directly from the online banking portal. 

In addition, I was charged a {$39.00} late fee on XXXX/XXXX/2016 despite a payment being made on the XXXX which is shown on the statement. The reason that I closed the account on the date that I did was because I did n't want the XXXX charged to my account again and I could not locate contact info for the company. It was supposed to be an one time online purchase.