WillisBack/dataset-financial-user-claim huggingface dataset:
I have a FICO score of XXXX. My only debt is $ XXXX on a property that just appraised for $ XXXX. I have a XXXX figure guaranteed income. I am looking to refinance my existing property to purchase a XXXX home. I contacted Summit Funding who advertises to be associated with XXXX, who pays my retirement. The loan agent has engaged in bait and switch ( offering closing costs at {$1800.00} on the phone, then providing a GFE that was almost XXXX that ). They stonewalled on the appraisal, promising a turnaround of XXXX days which ended up being XXXX. They have caused one delay after another. They offered a rate lock of XXXX days, knowing they would stall long beyond that ( we are now nearly XXXX days into the game ). Their rate lock agreement says that if the lock expires they will only raise but not lower rates ( again knowing that they would stall beyond the lock period ). I just contacted XXXX to file a complaint, only to be told that they terminated their home loan program in XXXX 2010, and that their program was thru another firm anyway. So now Summit Funding, by claiming association with XXXX, has committed outright fraud.
I pulled my credit report from XXXX, XXXX and Trans Union and an unauthorized entry from XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX, XXXX and Trans Union regarding this account and they have yet to provide any validation regarding this unauthorized account. Trans Union did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
This claim started back in XX/XX/XXXX, I lost my wallet at our local mall here, I think, and that is how it all started, someone gained access to my personal checking accounts, inflated the accounts by depositing money into them, my payroll hit during this period, and then they withdrew everything ... I lost my entire wallet so it's safe to say that my ID and everything was in there. Once the claim was filed I got reimbursed XXXX for a fraudulent ATM withdraw ( Testing the waters for them I'm assuming ). My fraud check claim was initially denied because Bank of America stated " That the parties involved benefited from these transactions '', what does that even mean!? Either way, I'm writing this in XX/XX/XXXX, still not resolved in fact, things have become even more complicated. The account is still on hold, and it is still negative, since it has been negative for so long it has gone into collections, I can't stop the collections department even though the account is " Under investigation '', I can't stop them from reaching into my other Bank of America account and taking everything but {$25.00} in my name, they have done this twice already and the second time was within hours of receiving my direct deposit. Because of this lovely automated system, I can't pay rent, I can't pay my bills, Car payment, credit cards, student loans, nothing ... and according to all 5 of the different departments I talked to today ... I can't do anything to reverse that. Bank of America has apparently not looked at any footage for that day since then and I have submitted for multiple reconsideration 's in order to help my case, I've filed a police report, I have reached out to anyone and everyone in order to help but no one seems to know anything about this current situation, as a matter of fact, everyone I've talked to that has gone through the same thing claims their issues got resolved within the first week ... What can I do?
I am in the middle of a refinance. I have signed loan docs and gone through the recission period. At closing the new lender ran a new credit report and found that my ex husbands loan is now showing delinguent instead of as a foreclosure. It was showing properly in XXXX when I received my loan approval. The new lender has my divorce papers that show this property was awarded to him, my ex and we also provided a copy of the comissioners deed to confirm the foreclosure. This is where the problem begins. The loan was with Selene Finance and the loan # XXXX and the old property address was XXXX XXXX XXXX XXXX # XXXX XXXX hawaii XXXX. I have been calling this lender since last week Wednesday and they just give me the run around and nobody there can help me. I have asked to get to corporate and many supervisors all of whom cant or wont help me and the credit bureau will not fix the incorrect reporting without a letter from selene and they tell me only only someone in customer service can do this and that I have to email them. I have done this and they still say they have no email from me. I am now being asked for extension fees in order to keep my loan approval good until such time that they decide to help me. I am going to be saving over {$600.00} per month on my payments and I would like Selene to pay any additional cost that I will incure due to the miss reporting on my credit report from this company. My email is XXXX and would appreciate anything you can do to assist me.
Bayview Loan Servicing has violated several federal and state laws when providing responses to multiple complaints and Qualified Written Request filed through the Consumer Financial Protection Bureau. Bayview Loan Servicing and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic Bayview Loan Servicing llc has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive Bayview Loan Servicing ha s also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.
The company is Security Finance in XXXX XXXX GA. When people such as my sister takes out a loan with them ; they are constantly calling the listed references ; especially if the reference is a relative to leave messages. 

My sister do not live with me and have ask them to stop calling my number constantly to leave messages regarding her debt. 

However, the calls are continuing and aggravating. 

Thank you.
Chase owes me a credit balance of over {$26000.00}. I am getting very frustrated with them because every time I call, I get a different answer and keep getting transferred around. I asked to speak to the appropriate dept. to get my refund and they advise me that there is no dept. that I can speak to over the phone and that they 're only available in writing. They also told me that the check should take no more than seven business days. The request was received a week ago from today, or at least that 's when I called to put in the request. Unless, of course, they do n't have their facts straight and say they have no record of it. I just want my money back from the merchant credits I finally received due to fraud. This is not an overpayment, so they have no way of taking a loss to the business. These are credits from the merchant or Chase that are permanent. Therefore, there should n't need to be all this non sense of research. When I called last night, I was told the refund check was sent out. When I called today, I was told that the request is still under review. I call again and they tell me that it 's going to take an additional four days of research. They also mention that my account was closed due to bank policy, which I am aware of. I am not sure why they keep telling me that when I call since I tell them that I am calling about a balance refund check, I did n't mention anything about my account being closed.
To whom it may concern, I 've been a member of the XXXX program for years and hold an AMEX Corporate Card so my name should be on file for quite some time already. 
I applied for a XXXX American Express card but this is being refused after several attempts to confirm Social Security details. The issuer rejects evidence provided and keeps requesting additional proof. 
After XXXX attempts to e-mail/upload an electronic version of my Social Security number ( the XXXX not accepted, the XXXX -upload- never available online ) AMEX asked me to obtain an Original Letter from the SSA and mail to AMEX HQ in XXXX XXXX XXXX , Utah to have this processed ; only to find out ( on my, n'th call ) that the document has not been accepted and now require a Compulsed copy of my SS Card ( also by mail ). 
Thus, SS numbers should be accessible for the CC Issuer to check at any time, and confirm with the local agency. This process started with my application, probably 4 months ago. This is clearly unacceptable. There must be other ways to proof SS or credit worthiness ( current bank accounts, fraud lists etc ). 
Sincerely
Please Be advised. Equifax is in breach of the Fair Credit Reporting Act by continuing to keep inaccurate information on my credit report. I have disputed the inaccurate personal information several times yet no changes have been made to my report. Equifax even notified me that the information had been deleted, yet it remains on my credit report which means Equifax is knowingly continuing to report false information. On XXXX XXXX, XXXX Equifax sent me an investigation result stating the inaccurate address have been deleted. On XXXX XXXX, XXXX I pulled my Equifax credit report and the inaccurat information is still harming my credit report. Despite confirming to me in writing that the information was deleted Equifax insists on violating federal law. This is a clear violation of the Fair Credit Reporting Act, and exemplifies open willful neglect.
I opened a new checking account as required in XXXX advertisement on XX/XX/2017. I met the requirement for more than nine months but have not received the signup bonus of {$200.00} so far. Also, my account was closed for no reason this month.
I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR XXXX OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there XXXX of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my infoWhen I receive a tax notice from the XXXX of Virginia using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than XXXX years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year XXXX when that is n't true - this is something I 've just recently put XXXX and XXXX together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theftWhen I get a letter from XXXX XXXX XXXX agency that says my application file was accidentally opened and opened by an agency in a XXXX XXXX than mine...
I have accounts that's reporting on my credit report inwhich I have absolutely no knowledge of and respectfully requesting that they be blocked due to them obviously being someone else 's. And in accordance with the FCRA law, I'm requesting physical documentation with dates and signatures to collaborate what the agencies are reporting. So what I'm saying here is that I have no contract with the following companies ( 1 ) XXXX XXXX XXXX for {$120.00}, {$120.00}, {$1000.00} ( 2 ) XXXX XXXX XXXX, {$1000.00} ( 3 ) XXXX   XXXX XXXX, {$920.00} Please Block All the above accounts or send me physical documentation of such.
A demand letter dated XX/XX/2018 was received from Federated Law re : XXXX XXXX credit card debt. 

This account was under debt management. 

I notified XXXX about the letter dated XX/XX/2018 and XXXX has removed this account from debt management as a result of the letter. 

Federated Law has requested that I inform XXXX XXXX about payment. On XXXX.18, I spoke with XXXX ( Federated Law representative ) and she requested that I call XXXX as she could not discuss matter further. 

Federated Law and XXXX XXXX have been notified of their individual actions.
the credit card issuer navy federal fabricated the credit card credit amount which was maxed out based on revenge for filling prior complaints regarding fabricated credit by navy federal and their agents and associates in fact. 
navy federal futher failed to return fraudulent payments of XXXX to a va inspecter related to the home mortage at XXXX. 
navy federal failed to pay back fraudulently stolen money from I pay global of over XXXX dollars I filed a fraud complaint regarding navy federal fabricated prior credit denials for mortgage on XXXX XXXX XXXX. 
my home XXXX XXXX which was corrected after my initial ftc complaint. then let the mortgage run out claiming my name was un would not be accepted by them as grounds for no va loan but my name was registered at va as such when done. also their agents refused to give me pr proper answers to questions regarding an inspection by a home inspector. 
this droping of the mortgage application by fraud of nfcu is used by them to now claim my fault credit card dbt high is my fault when theirs for fixing credit and mortgage application denial and denying subswquent XXXX on bad creted nfcu manufactured with prior budys at credit bureaus and others. 
futher the fabricating of credit by nfcu is equal to or higher than what is claimed owed on fabricated credit card debt
Ocwen is holding my shortsale hostage. deactivated and replaced payoff quote with same dates and {$3000.00} in extra fees days before closing. 
Approved for sale with first lender ( Ocwen ), and shortsale with equity line holder ( XXXX ) since XXXX, I got a payoff quote from Ocwen and am set to close this Friday XXXX. Today Ocwen deactivated the valid payoff quote and replaced it with another payoff quote adding {$3000.00} in extra fees, knowing that I will have to go to foreclosure if I can not get to closing before they bill me for another cycle of fees. Reading up on this practice, I discovered that Ocwen recently lost preditory lending suits, but is still abusing debtors in distress, and then suing them after they close for more money. Ocwen refers me to the Law Firm XXXX to make requests for fee reduction, and XXXX refers me back to Ocwen - a cycle completed 3 times in less than a week. Closing in on Friday. I need help. 

Law Offices of XXXX : XXXX and XXXX XXXXXXXXXXXX XXXXXXXXXXXX Ocwen Foreclosure Dept : XXXX option XXXX ext XXXX Ocwen Customer Service : XXXX
I initated two account deposits from my XXXX checking account to Coinbase. Both transactions one on XX/XX/XXXX for the amount of {$1000.00} and the second on XX/XX/XXXX for {$500.00} were completed by XXXX on XX/XX/XXXX and fully funded to my account in Coinbase. When logging into Coinbase account funds show in a still pending state and unable to move money back. 

I have reached out to support numerous times and received no reply. This company is horrible, very misleading, and should no doubt be banned in the United States as this is no way to treat customers
I called Debt Recovery Solutions in XX/XX/XXXX. I let them know that the debt with XXXX XXXX XXXX was paid off on XX/XX/XXXX and I have a receipt to show my balance was at XXXX. I faxed the receipt to them on XX/XX/XXXX. It has been well over a month and every time I call they say that they are still waiting a response from the company XXXX XXXX XXXX. They are still reporting this debt to the credit bureaus which is having a negative impact on my credit score. I did submit a dispute online with the credit bureau in XX/XX/XXXX. I want them to not call me and remove this debt.
Been paying on this mortgage for 14 years, XXXX  a month and after 14 years only XXXX  comes off the principal, this is absorbant interest charges, this company should be investigated.
I have tried to before and was successful with XXXX, but Equifax has not even updated my information but is sure to to put any negative. They have XXXX collections that are not mine, have wrong addresses, and when I try to dispute it said I had the wrong information.
Re : Toyota Corolla - XXXX -VIN : XXXX. I sincerely believe that Im a victim of a yo-yo and/or spot delivery scam perpetrated by Toyota Financial Services ( TFS ) and XXXX XXXX Toyota, XXXX, TX on or about XX/XX/2015. Additionally, TFS, in collusion with XXXX XXXX sales personnel and finance department, misrepresented the facts during the car-buying and loan-signing process. I was told that TFS was requiring that I purchase an extended warranty, disability, and gap insurance. Although I indicated that I did not want the extended warranty or the disability  or gap insurance, the finance officer stated that Toyota Financial Services would not finance the loan without these add-ons. During the loan-signing process, I stated that the monthly auto payment of {$650.00} would be a major financial challenge for me. Because my trade-in had been sold and of my fear of being without transportation and having little-to-no knowledge of contract law, I reluctantly and under great duress signed the deal to purchase the XXXX Corolla. I'm presently under the care of a XXXX ( XXXX XXXX XXXX, MD of XXXX Hospital ) because this matter has caused me great XXXX and thoughts of XXXX. Additionally, I've received no support, financial or contractual solution from TFS despite several phone calls, emails and faxes complaining about this matter. 


I would like for TFS to immediately cease any planned repossession of my auto until this matter can be resolved. And I would like for TFS to do a very thorough and complete audit of my loan documents that are currently in the hands of XXXX XXXX Toyota of XXXX. 

I am seeking immediate relief and would like all parties involved ( myself, Toyota Financial Services, Toyota Motor Corporation and XXXX XXXX Toyota ), and all those who have a fiduciary interest in this matter, to provide such relief that will be beneficial to all. It is my desire to resolve this matter without the need to involve the courts, Texas Department of Motor Vehicles, the FTC, the press, social media, etc
XXXX is still reporting to the credit bureaus way past the statute of limitations for the state of Tennessee which is 7 years. Not only that but XXXX is constantly adding new balances and then removing them and adding them again later which is detrimental to my ever fluctuating credit score especially since I am in the middle of purchase. I am requesting that XXXX is completely removed from my credit report immediately. XXXX has been on my credit file with all three bureaus since XX/XX/XXXX. It is now XX/XX/XXXX. They seem to have some illegal collecting and reporting practices. Ive enclosed information for your review.
Equifax data breach improperly stored and lost my identifying information. No idea how severe the impact.
Calls received multiple times daily from XXXX from Allied Interstate LLC claim8my to be collecting on a debit for XXXX, caller is from XXXX. This debut was discharged in bankruptcy chapter XXXX XXXX XXXX 2016. I provided this information to XXXX, on other collection company for XXXX and now these people in XXXX. My lawyer also sent them a letter to stop collection. But they wo n't stop call my phone and husbands phone multiple times a day! Please stop this harassment!
I tried to open a one year CD for {$2500.00} with the Capital One Bank on XX/XX/2017. 
I was told that before a CD account could be opened as a joint account both owners would have to be verified by Capital One Bank through a deposit in their checking account. My wife and I both have a joint checking account with the XXXX. I was told that both owners of this CD must be verified by Capital One Bank before, they would transfer the {$2500.00} from our joint checking account. My wife XXXX XXXX spent several hours on the telephone with several Capital One Bank employees providing them with the required information, that is date of birth, Social Security Number, XXXX Account and her Capital One Credit Card. She had established an old Sign In Name that was used more than 5 years ago when she had a Capital One account which she closed 5 years ago. The Capital One Bank employees that she talked to could not correct this problem and would not verify that she was the joint owner of the New CD that I wanted to establish with Capital One Bank. 
They then transfered the {$2500.00} from my XXXX checking account, but stated that they are still not going to open the CD account because they can not verify the identity of my wife, XXXX XXXX. Capital One Bank stated that they will not release my money back to XXXX Checking Account or open the requested one year CD for {$2500.00}. My money has been placed ON HOLD by Capital One Bank
Corresponded with US Bank by letter two times and they refuse to respond. Copy of correspondence attached as Exhibit A.
Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, Experian has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

I have attached the first page of the four dispute letters that I sent to Experian, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that notarized the dispute letters.
Attempted to make pays, but could not pary the amount they wanted. 500-600 dollars a month, They would not accept the amounts I was able to pay around {$100.00} a month. They would not accept anything less than $ 500- {$600.00}. They threatened to sue for the amount and threatened credit. After it was turned over to collections I was able to work with them and make payments. With an interest rate so high, barley any gets paid on the actual loan itself.
Q Credit has already took {$880.00} from my bank account for a {$1600.00} loan that lead me to investigate the company. This company claims that I still owe a balance of {$1600.00}. The company a tribal lender of the XXXX XXXX XXXX of XXXX operating within the boundaries of the XXXX XXXX XXXX of South Dakota, which when I contacted the Attorney Generals office I was informed that they do not even have a license to operate in the state of California. I have sent a letter to them via email to stop taking money out of my bank account. I refuse to pay anymore for a loan with not normal fees that are high and now has cost me and my family to be evicted due to having them remove money every time I get paid from my account. This company is robbing people blind that they claim to assist with loans. We are now living in a motel with my XXXX children due to the practices of this company. This is extremely upsetting and this company needs to be stopped.