WillisBack/dataset-financial-user-claim huggingface dataset:
We started the process of getting our Home Loan with XXXX XX/XX/XXXX, and were pre-approved with paperwork in to the underwrite by XXXX. We were told it would take 7 or 8 days to hear back from the underwriter. During this process, we sold our house under the confidence from XXXX that we had a loan to buy a new home. After constant asking, calling, and texting XXXX, as well as our realtor trying to get any info from them, we were told XX/XX/XXXX that we were not approved due to me having a part time job. This is 3 days before we were to close on our old house, and were supposed to close on the new house, and also 24 days after it went in to underwriting. This is well beyond the 7 or 8 days we were told. We came to find out that XXXX underwriters were fired, however, that does in no way make up for lack of communication with us. After speaking with XXXX to figure out a solution, we were told on XX/XX/XXXX they would make an exception for my job. We gathered paperwork up nearly daily as soon as we were asked for it, because now we were homeless and needing to complete the process. Instead of giving us all the conditions at once, they wasted time by adding a new item here and there. After another couple of weeks with little communication yet again and us having to postpone closing twice now, along with the seller getting upset that they were not communicating because it affected them, we were told no loan approval. Now we are out for 2 weeks of hotel costs, having to store our belongings and spending nearly XXXX dollars on that, and nearly having to eat out every meal. We went with a new lender and signed disclosures day 1, it went in to underwriting on day 2 ( friday ), out of underwriting that Monday, and told we were officially closing on Wednesday and we closed XX/XX/XXXX. The stress and financial burden caused by there lack of communication and lack of professionalism was unacceptable. I have sent the manager XXXX emails now and have not been responded too at all. I was asking for financial reimbursement and am now being ignored. I know his email works because he responded to our realtor about something different and he also texted me about something different as well. I want to do it in email to have proof of response instead of just verbal. We would like to work this out directly but they are leaving us few choices. We have been suggested small claims court as well by reputable people, but we were first told to try and go through Consumer Finance.
On or about XX/XX/2018 XXXX XXXX XXXX of XXXX MA ( XXXX ) sent a collection notice to a client 's spouse at her address. 

I have no relationship to that address other than I process VA payments on behalf of my client, an XXXX year old suffering from XXXX and living at the VA facility in XXXX XXXX XXXX. The bills for his care go to his spouse at that address. She is his Conservator of the Person ; I am his XXXX of the Estate. 

After a call today ( XX/XX/XXXX ), it was clear that several bills reportedly to me ( sent to another wrong address ) were returned to XXXX. I asked about the address and they had both spelled my name incorrectly and had my home address city listed incorrectly. XXXX has been unable to provide an original invoice so I have no idea as to whether the bill is valid. 

They suggested contacting the medical laboratory directly to ask for an invoice. I will do so but feel it is an unnecessary step and XXXX should offer to have the bill forwarded. 

While I am not usually one to send complaints, in the past with medical bills I know the practice of sketchy collection agencies is to ding the credit reports immediately, even if paid in full. The practice of trolling for addresses is suspect and I believe violates my client 's and my privacy. 

XXXX should have their license reviewed and their practices monitored. It is quite embarrassing to me to have a bill go to an elderly spouse of an elderly client. Quite bizarre. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Excerpt from my   XXXX   XXXX   XXXX   letter to C apital One B ank : Dea r Sir/Madam : I  am responding to multiple conversations I had with representatives of your bank on   XXXX   XXXX   XXXX  . I spoke w ith three of  your Representative/Agents :  XXXX ,  XXXX  and  XXXX  regarding the fact that although I barely using the card, and pay the bill in a timely manner, paying an extra {$10.00} in an effort to reduce the balance, the balance consistently increase rather than decrease. Below is the information that I was given by your representatives : They could only go back to  XXXX  ( I have had this card for at least 25 years ) ; I was told that because the interest rate on cash advances is higher than on purchases, that a lesser portion of my payments are applied to any purchase balance with a portion of the purchase balance then added to the  cash advance balance, thus Capital One is allowed to charge a higher interest rate. The last cash advance that showed on my  record was {$20.00} in   XXXX   XXXX   XXXX  . From that {$20.00} I now owe {$1000.00} on cash advances even though I have not misse d one si ngle monthly payment and pay as much as I can afford over the minimum requested ( usually $  XXXX  {$20.00} ) in an effort to pay the balance down In fact, your representative was not able to tell me why I owe your bank {$1000.00}, other than that single  cash advance. One of t hem did offer to refund 3 months of interest at {$25.00} per month, which I declined.
I have had a mortgage on my home in good standing with on time payments f or seven years . The company handling my mortgage,  XXXX  is not reporting to any of the credit bureaus. I have contacted them on at lea st five se parate occasions about this issue. Their canned response is that they are reporting to all three bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all three credit bureau 's insist that   XXXX   is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that  XXXX  is not properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  XXXX
Mortgagor has asked for and received excessive amount for escrow of property taxes. The current escrow balance is over {$36000.00}. The property taxes for the year would be around {$10000.00}. We have called several times and asked for refunds. The current required monthly escrow being demanded for taxes is over {$2000.00} a month, which needs to be adjusted.
Trans World Systems is attempting to collect an alleged unsecured debt that 's past Pennsylvania State 's debt collection statutes of limitation and violation of the FCA.
M & T BANK PUT MY TAX MONEY IN SOME ONE ELSES ACCOUNT AND SAID THAY CAN NOT HELP ME THAY SAID THE IRS IS RESPONSIBLE AND THE IRS SAID THE BANK IS RESPONSIBLE I CAN NOT GET ANYTHING FROM XXXX XXXX IN WRITING I ONLY PUT XXXX DIDGITS ON MY TAX RETURN FOR MY ACCOUNT # BUT IT WENT INTO ANOTHER ACCOUNT PER LADY AT THE BANK AND THAY CAN NOT GET IT BACK SO I AM JUST OUT OF LUCK AND OUT OF {$1300.00} THE BANK WONT EVEN CONTACT THE PERSON WHO 'S ACCOUNT IT WENT INTO. OR HELP ME IN ANY WAY TO GET THE MONEY BACK EVEN THOUGH THE ACCOUNT DID NOT HAVE MY NAME ON IT OR XXXX # ON IT AND ONLY XXXX NUMBERS FOR AN ACCOUNT # WHO HAS ONLY XXXX NUMBERS FOR AN ACCOUNT # NO ONE THAT I HAVE ASKED HAS ONLY XXXX NUMBERS FOR AN ACCOUNT #.
I do not recall this debt, i do n't reside or go to drs or hospitals in las cruces, i would like to see original paper work that shows it was indeed me that made these charges and if it is then i want to pay for it. this collector keeps selling the note and keeps coming out on my report and i have no clue where its from.
On XX/XX/XXXX I went to the XXXX XXXX branch of chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX ga.XXXX, to handle my mounthly banking business..I went to cashbox # 6 and was taken care of by a cashier named XXXX.there were two transations that took place.first I transferred {$2100.00} from one account ( XXXX ) to account # XXXX, the second transation was a cash deposit of $ XXXX.on the XX/XX/XXXX I received notification from the bank of checks being returned for insufficient funds.On the XX/XX/XXXX I met with the branch manager,  XXXX XXXX where it was discovered that the {$280.00} was not deposited The manager made several calls after whuch she informed me of the procedures which had to be followed i.e tracking deposit slips etc ... I was recently informed that no further actions have been taken to rectify the mistake.in reviewing the receipts it was found that the cashier deposited {$20.00} instead of the {$280.00} ( which I am attaching to this compliant.In order to cover their mistake I had to deposit additional funds to cover the checks and fines
My husband XXXX XX/XX/XXXX-XX/XX/XXXX with XXXX. He suffered from XXXX since XX/XX/XXXX. In XX/XX/XXXX, he died from XXXX XXXX the day after his XXXX birthday. He participated in VA health care. This was diagnosed by a private doctor, as XXXX with XXXX. We believe from exposure to XXXX XXXX. He died XXXX XXXX, XXXX. Left me a single mom of XXXX children. I have managed to keep our home by refinancing my XXXX mortgage. When he passed he has a home equity line for XXXX from Wells Fargo in his name alone. They cut off my access and told me I was not liable for the loan, however since I signed the Lien I would loose my house if I did n't keep up the payments. So I continued paying auto pay of XXXX a month, they would not discuss the terms just that I had to pay. The payment was approx XXXX. Now I find out 10 years later this was an interest only loan and balloons in XXXX XXXX. Now all of a sudden Wells Fargo is offering to let me assume the loan. If they would have let me do that four years ago I would have streamlined it into my va loan, which I ca n't do because it 's not my debt??????
[Letter # 4] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
XX/XX/XXXX/XX/XX/XXXX, Square Two Financial ( now CACH , LLC ) purchased a debt, which they somehow matched on my name, and in spite of more than a dozen attempts to have them resolve the bad data, they not only continue to report this on my credit, but are now fabricating fictitious dates of service to circumvent fair credit reporting laws. 
The company, in spite of multiple certified letters, numerous phone conversations, and the filing of a police report for identity theft, continues to fabricate false date information, change account numbers, and repost the fake debt on my credit report.
I am victim of Mortgage Fraud perpetrated in XXXX. 
I was approached in XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the XXXX. XXXX XXXX in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.
I received a credit alert several days ago that a hard credit inquiry had been added to my account. The inquiry is from XXXX and is date XX/XX/2018. I did not authorize this credit inquiry, and I don't not currently, nor have I ever had, a XXXX account. 

I have had several other fraudulent credit checks on my account over the last month, and I have issued a fraud alert on my credit, which was put in place prior to the date of the XXXX credit inquiry. 

I have attempted to contact XXXX customer support several times to notify them of the fraudulent credit check. My concern is that someone has used my personal information to open an account with them. All of my interactions with XXXX customer support have been unproductive. I have been told each time that they are unable to remove the unauthorized credit check, and have not given me any information or different point of contact to for how to remove the inquiry.
I called Bank of America because I was interested in a balance transfer offer they had. The problem was, I needed my credit line increased by {$3500.00}. When I was connected to the rep, I explained to her what I was interested in and what I needed to make it happen. I then told her that if getting my credit line increased involved a hard inquiry, then I would not be interested. She just went along and asked to update my financial information. I then reiterated that she better not run my credit. She explained that she was not a credit analyst and she had no access to my credit. I said O.K, but if I find out there was a hard inquiry, Im going to call back and fight to have it removed. She then put me on hold. Upon getting back on the phone, she explained that she spoke to her manager and they said the same thing, they 're not credit analysts, so they dont know how they will effect my credit. Then she said " good news is you were approved for your increase ''. So I got my increase with the understanding that my credit report would n't be effected. I even told the rep that she did n't explain that she would be pulling my report, so it would n't be legal to do so. After completeing my transfers, I hung up and checked credit karma, and there she was, a hard inquiry from Bank of America. I need this gone!!
The bank from Victoria Secret card has called me at least 5 times a day. I told them I wo n't have the money and they call around XXXX repeatedly al day.
D & A Services , LLC has been contacting me about a debt I owe. There is a huge issue with their tactics, they are calling my wife 's cell phone number and not my own. She has never given them permission to call her phone in any way shape or form for this debt and I feel they are in violation of the TCPA Act. Also, when 1st called about the debt they contacted her and became predatory about collecting the debt by making her call me while I was at work to ok a auto debit from my account each month which does not sound right in any way shape or form. As a result of this I will stop all communication and also will be notifying my bank to not allow them to pull anymore money out.
We got a loan modification with XXXX XXXX XXXX. 
XXXX XXXX XXXX sold loan to Selene Finance but did not send modification paperwork with sale ( per Bankruptcy Lawyer ). Per FHA Selene finance has reported that we have not paid loan in 1 year and has petition Bankruptcy court to remove automatic stay to proceed with foreclosure. The amount under the modification is XXXX per month. Selene Finance has stated we should pay XXXX. The initial court date with Selene has been reset because they did not know about the modification and are trying to authenticate and validate the paperwork. We have filed dispute with credit bureaus alerting them to the erroneous information that has been reported by Selene finance. There is plenty of bad press on the web and facebook about this company and everyone has the same issues. I explained to the Selene finance Bankruptcy Department that XXXX XXXX XXXX should have included the modification paperwork in the sale of the property. I was told that if the modification checks out they might be able to go back and change payments to reflect accurately. But we have not heard anything. The reset court date is 2 weeks out. My main concern is that Selene finance did not return any of the modified payments made and did not look into the complaint we made about which mortgage is correct.
On XXXX XXXX XXXX I sent {$250.00} to fifth third XXXX card by mistake via the Internet from my credit union. I called them on the XXXX. They said we have not received the money yet I said okay call back next day they said yep takes 10 business days to get it back I call back on the 10th business day and now they say takes 5 to 7 days to get money in the mail that 's funny it only took 30 seconds for my internet to transfer the money
I have contacted TransUnion several times by mail disputing hard inquires made on my credit in which I did not authorize and asked them to please remove these inquires. As of this date it has not been done.
Our couple has had a checking account with JP Morgan Chase and several credit cards for over 40 years. Our home address was a XXXX XXXX ( JP M Chase has held the mortgage for the last twelve years of its 30 year life ). We were ask for a physical address which we did not have until recently. Being abroad very, very often we called the branch to give the address early XXXX. The account manager being busy we gave it to another person. A few weeks later we got the same request. We called again and this time asked for an email address of the bank officer. We got it and had an exchange of email where we sent the physical address. We received another letter in XXXX which got to us in XXXX as we were abroad and called the call center again to give the address for the fourth tim. 
In XXXX the bank closed our account alleging that we had not sent the address. Which we did and can prove with the copy of the email. The said officer has supposedly left the bank ... 
Our XXXX accounts were closed ( savings and checking ). checks were sent. But all history has been eliminated from our internet connection to the bank. payments made through the accounts before we knew of its closure were rejected creating poor credit and expenses ( bounced payments and late payments ). We were in XXXX at the time and it took many hours of work to be able to get back to a situation where we could honour our due payments. ALL THIS BECAUSE THE BANK FAILED TO DO ITS JOB
I have a twin sister with a similarities in both our name and social security number. As a result her credit info is mixed with mine.
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me  and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
XXXX XXXX ( no acct # per XXXX XXXX ) unverified account/no contract
My car loan was sold from XXXX XXXX to XXXX XXXX. When XXXX XXXX was going through their merger, they couldn't tell me where the account was or where I needed to make a payment. Once we could finally get someone that could pull up the account, they refused to talk to my wife or take a payment from her until talking to me. We have asked multiple times for a permission form to be sent to us to give them permission to talk to her and we have yet to receive one. She is the one that makes the payments due to our work schedules. She is my legal spouse and works for a XXXX XXXX herself and doesnt understand how they can refuse to talk to her or take a payment from her on my open loan.
I have an employer from 2008 that is listed on my credit report that I was never aware of. I was employed for only 2 months with this employer and have no idea why they would be on my credit report. I have never signed anything from this employer that would warrant them to be on this report and it has been almost 8 years that this has affected my credit. I would like this removed. This was unjust and would please like a response. 
Thank you