WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a loan through Wells Fargo to purchase a new home. The builder, XXXX XXXX, advertised a {$5000.00} incentive if I used their preferred lender, so I applied through their preferred lender Wells Fargo. We were initially told that the loan was approved and this was relayed to the builder. Shortly thereafter we were then told it was denied so we asked for a formal letter of loan denial to include the reason for denial. We waited approximately 2 months and made at least XXXX separate requests to Wells Fargo for them to send the denial letter. Finally a manager, XXXX XXXX, had emailed me and said that the loan had been withdrawn due to the builder not accepting applications from investor buyers, which is a false statement. I have confirmed with the XXXX XXXX sales representatives that they do not have an investor buyer restriction at this development, and also at no time did we communicate to Wells Fargo that we wished the loan to be withdrawn. We continue to be told that we withdrew the loan by Wells Fargo 's loan officer, XXXX XXXX ; this is also a false statement. If we did withdrew, why would we ask for a declined letter and also why would XXXX XXXX 's replies to our requests always be that we should have received a decline letter already and that he will look into it? In addition, in XXXX XXXX 's email he stated that I withdrew the loan and he implies that because I have more than XXXX financed loans Wells Fargo can not finance this loan : in fact I have less than XXXX financed loans which they were made aware of from the beginning. 
Wells Fargo 's reason for denial continues to change and I feel that they have treated my application unfairly ; the loan amount was small and we have multiple investment properties from which we produce our income, and our application would have taken more time to process ; this I feel is the reason that they brushed our loan aside and made excuses because it was not worth their time. Whatever their reason they appear to me to they have disqualified my loan because it is not a prime loan for them regardless of the excellent credit I have, ample reserves, and low debt to income ratio. This is just a summary. I can elaborate with details if you like.
JP Morgan Chase Bank has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with the  Credit Reporting Agency as JP Morgan Chase told me to do ; however, they are still not updating the reports which is causing an adverse affect on my credit score at the  moment.
Great lakes student loans fraudulently took out loans in my name I was told they were grants and as long I passed my class I didn't repay anything the school has been shut down due to this happening to multiple ppl but they refuse to dismiss my loans I never took out. No other school even acknowledges their credits so they want me to give them free money for wasting my time at a fraudulent school no one in the country recognizes. I XXXX  XXXX and was just trying to further my abilities in life.
Capstone Credit And Collections are trying to collect and reporting a debt that I do not owe. They are representing XXXX XXXX XXXX XXXX in a attempt to collect {$3700.00}. I already sent them written notifications stating that I do not owe them, nor XXXX XXXX anything, and demanding they remove this from my credit report, but they have done neither.
Noticed a medical debt collection on my credit report last year. Created a dispute in XX/XX/XXXX at which time Transworld Systems Inc. came back to find that the debt was indeed owed and would remain on my account. I noticed a 2nd medical debt from the same doctors office pop up in XX/XX/XXXX at which time I contacted the office and went to retrieve documents to prove the debt was never sent to collections and indeed paid in full with a balance of {$0.00}. 
The first debt has been reporting on my credit report for 9 months + and the company refuses to take off all the derogatory marks. I do NOT want this updated to {$0.00} I want all the remarks removed. I haven NOT been in collections over this bill therefore it should be deleted completely from my credit profile. 
The 2nd debt was just reported on XX/XX/XXXX. SAME doctors office and the bill was paid on the same day as the previous bill. {$0.00} balance with the office yet I continue to receive nasty threatening letters, phone calls and reporting. Please HELP!!!! This company has NO business handling collections or accounts for anyone. They are trying to scam me into paying them almost $ 1K. I want all of this taken off my credit report. I have uploaded these documents to the credit bureaus but was told Transworld Systems Inc. does the investigation and provides the results to publish on credit reporting. They are SCAMMERS and clearly trying to take money and peoples credit abilities. This is unfair. I have to spend my time chasing companies to help me get this resolved when in fact I OWE NOTHING to the original creditor and Transworld Systems INC.
I have had a mortgage through Bank of America for my home for more than 5 years. Originally the address of the property was incorrect ( XXXX " my road '' ) in XXXX of XXXX I corrected the physical and mailing address to XXXX " my road '' through XXXX XXXX real property office and my post office. My insurance company along with everyone else made the appropriate changes. When contacted, Bank of America made the changes but only to my mailing address. In the fall of XXXX Bank of America requested a copy of my homeowners policy. When sent, they declined it and said I needed a policy covering XXXX " my road ''. I have made several attempts to get BOA to change my physical address since fall of XXXX. They are delaying the process and I have sent them all requested documents via email and/or fax. Now starting XXXX of XXXX BOA has provided an additional homeowners policy through escrow thus significantly increasing my monthly payments. My homeowners policy is current and is the original XXXX from the start of my mortgage. BOA is making me pay for another policy covering XXXX " my road '' which is no such number and does not exist.
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : WAKEFIELD AND ASSOCIATES {$440.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious WAKEFIELD AND ASSOCIATES {$440.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
i want to point out something extremely troubling in this case. When I spoke to XXXX. XXXX XXXX with Chase bank when reaching out to the assigned XXXX XXXX, account specialist who has not returned any calls, email etc., regarding matters stated below since the start of my inquiry into this matter in XX/XX/XXXX. On XXXX XXXX and/or XXXX XXXX XXXX. XXXX stated in the taped recorded message that we were on with her myself and the downtown XXXX XXXX, banker we were on a XXXX way call with. I was speaking to XXXX. XXXX about my concern of never being late on my Chase mortgage payments and always paying early in the branch mostly with a bank teller at the branch window on a timely basis since the start of the forbearance. XXXX XXXX states something to the effect as long as you have your XXXX XXXX mortgage payment paid your account remains in current standing. XXXX. XXXX said this was based on the letter issued to you dated XXXX XXXX ( saying I was due for the XX/XX/XXXX payment ) as long as the XX/XX/XXXX mortgage payment had been received and it was because I was in the branch at the time with a Chase banker XXXX XXXX when this was said on speaker phone with the branch banker. 
I completed the forbearance by paying off over {$3500.00} dollars to maintain what I had believed up until that day that I was current for all months ... my Chase account specialist XXXX XXXX was ineffective. I received a letter from Chase collection department in XXXX XXXX stating I am now in the arrears with my mortgage and owed for XX/XX/XXXX ( What I thought, I 've never been late-what the heck ) XXXX XXXX never called, texted etc., while being in the XXXX month program by the Chase account. The final payment I made XX/XX/XXXX was to bring me completely current XX/XX/XXXX as well by a phone banker ( I would never even up to now would never receive return calls from XXXX. XXXX ... once again no one is giving clear concise information. I was told by a phone banker that the {$3500.00} plus dollars was not part of the XX/XX/XXXX mortgage payment by XXXX. XXXX. I made the XX/XX/XXXX mortgage payment on the XX/XX/XXXX to keep from having any negative marks against my credit as told by XXXX. XXXX XXXX ( XXXX XXXX 's manager ). XXXX. XXXX said I would be in good standing once I made the XX/XX/XXXX payment before the end of the business day. The story soon changed on XXXX XXXX when I inquired with XXXX. XXXX at the downtown XXXX XXXX branch while in the Chase bank along side XXXX XXXX a banker while all XXXX of us were on tspeaker phone. I was inquiring with XXXX. XXXX about why my credit report reflected late payments from XX/XX/XXXX into XX/XX/XXXX when I was clearly in the forbearance program during this time and never being told I was behind by XXXX. XXXX and XXXX. XXXX XXXX told me my credit would not be affected but it already had been ... lots of deception in ( doing XXXX. XXXX and XXXX. XXXX doing there job ). XXXX XXXX did n't really give any good concise answers as to why my credit was dinged except to say everything was within policy and there will be no changes to the wrong that was done to my credit report and there will be no further as the case has been closed.
Please provide me with written documentation which includes my signature that states you have the RIGHT to report adverse, negative, and/or delinquent items on my report. 
Also, I ca n't access my credit report on Transunion website!
On XXXX XXXX, I received a letter from my Select Portfolio Servicing dealing the events in regards to the loan servicing of my loan. What they indicated was as follows. My taxes were sold and were not paid because they felt it would be a loss etc. What they did not indicate is in XX/XX/XXXX I was in a active Special Unemployed Loan Modification and I faxed and spoke with them in regards to not being able to make my XXXX installment payment. Reason was it was a delay in my XXXX benefits on XXXX XXXX. According to the RESPA Guidelines Program for loan servicing amendments. The SPS was suppose to do any means possible to assist me in stating in my home. I did have a hardship and SPS failed to extend my hardship being unemployed per RESPA Guideline and additional 60 days which would be me at XXXX XXXX doing the time they received notice of my unemployed hardship, On XXXX XXXX why were my taxes sold when SPS new I was in a active modification and within my 60 day grace period for unemployed borrowers protection per RESPA loan servicing rules for Loan Servicing Guidelines for Unemployed borrowers. I was also in a active foreclose case filed in the United States District Court for the XXXX District of Illinois XXXX Division docket number XXXX XXXX which had never been dismissed when my taxes were not paid by SPS. As of today 's date the case still has not been dismissed against me. I was lead to believe that SPS was working with me since I was trying to save my home. My PI payment was {$870.00} per month and my Loan Mod payment was around {$1200.00} per month. Why that did not cover my taxes which would have protected me from loosing my home. I do n't understand the life of me. I was under the impression by entering into this modification I would be fully protected not to loose my home. SPS voluntarily to pay {$290.00} of escrows per my statement attached. However they failed to pay the other tax years. SPS has made a ERROR on the RESPA amendment to the loan servicing guideline that President Obama put inplace to assist borrowers like myself. Now I have lost my home. I have been talking with the tax buyer they are willing to sale me the home but their are no programs for me to be approved for a loan to buy my home back at this time. If SPS had not made the ERROR in the RESPA loan servicing. I would have still been able to save my home with all the great programs President Obama have to help borrowers like myself. Please see attach documents and assist by calling the tax buyer paying off my taxes per notice SPS received on a {$95000.00} federally related mortgage conventional loan that taxes were not paid because of the economy per SPS. That was no EXCUSE.
My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed TransUnion,  XXXX , nor  XXXX  has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given TransUnion,  XXXX  and   XXXX    multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.
they continue to call and harass me about a debt that is not mine. I have repeatedly informed them that they have the wrong person but they will not stop calling me.
I was told by Blue Shore Recovery that they were going to send my refund check of {$750.00} to me because they sold my account to someone else in the middle of me paying it. So i was told that it was sent on the XXXX XXXX 2016. So sent by mail it would have been here today which is XX/XX/XXXX. I still have n't received it yet. I was also told it was suppose to be expedited and that all of the sudden changed to it was sent regular mail.
There has been a huge miscommunication between XXXX XXXX AND XXXX  ( XXXX ) I have a XXXX balance turn in al my equipment and no longer have any contract whatsoever with either company. I dispute this debt. I was current and paid off, never late.
Since XX/XX/XXXX, Portfolio Recovery Associates have relentlessly tried to collect erroneous debt from me. When they first reported the claim they said I owed them {$1100.00} now they claim I owe them {$1400.00}. PRA even reported to XXXX that I was 120 days late on XX/XX/XXXX and XX/XX/XXXX, destroying my credit scores and payment history. They even change the account numbers on my XXXX report vs the account numbers on my XXXX and XXXX with different payment amounts in an attempt to cause me confusion. <P/>Portfolio Recovery Associates are nasty deceitful Obstructionists of Federal Laws. I warn all American consumers to be aware of Portfolio Recovery Associates ILLEGAL CRIMINAL malpractices. PRA have caused me grave humiliation and loss of income in my attempts to obtain credit & loans to pursue profitable real estate transactions. My income losses range from $ 450,000- {$600000.00} this past year alone from their fraudulent credit reporting activity. PRA reporting efforts have also caused me stifling effects to my overall health. <P/>I have been disputing their claims for months and they retaliate by adding more fraudulent derogatory information on my credit reports. This is their way of War with unsuspecting American consumers. I have recently threatened them with a lawsuit alleging Defamation, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
On XX/XX/2019 I went to XXXX XXXX XXXX XXXX XXXX located on XXXX XXXX XXXX, XXXX IN XXXX their phone number is XXXX XXXX, I was shopping for bedroom furniture, I saw a headboard, night stand and dresser I liked it was listed for {$690.00} cash, the sales man who I believe owns the store advised me there was an option for financing option, I just had to fill out an online application if i had a checking account, I filled out the application I was approved for {$750.00} financing. 

I tried paying {$50.00} down payment with a XXXX card it was rejected my girlfriend was with me, the man then said if u can pay {$63.00} to him he will use his card we did that, deal was closed I picked up my furniture, he said since I took financing option my total was going to be {$820.00}, he gave me a receipt for that same amount I still have it, to my surprise a week later I received an email from the Acima finance company stating my total was {$1800.00} with bi-weekly payments of $ XXXX tax it says, this is predatory lending these terms where never discussed, there was never a loan estimate provided, Ican provide copies of receipts and the email I received at your request
as of XX/XX/2018 XXXX XXXX/equifax is reporting a collection account with XXXX XXXX for {$680.00}, I asked XXXX XXXX to remove this account, because I do not owe this company and never did, XXXX XXXX stated that it can not be removed, only equifax can do that, XXXX XXXX reports what ever equifax report to XXXX XXXX, no questions is it correct or not, what makes this realy wrong equifax will not take a dispute about XXXX XXXX, the last complaint I made a person with the name XXXX complaint # XXXX about the collection.this same account has been in and out of my credit report with equifax only.
The city of XXXX XXXX bill me for water consumption for a period I did not use because I did not owed the property for the billing period. Then, report this account in collections affecting my credit report without notice to me. I did not receive notice or have a chance to dispute this balance. I sold the property in XX/XX/XXXX and the bill goes to XX/XX/XXXX. I learned about the debt in XX/XX/XXXX after my credit score when down and I contacted the city of XXXXXXXX XXXX to pay the balance and the XXXX XXXX XXXX. After multiple calls with on solutions I sent proof of the sale of the property, proof of {$250.00} in escrow to pay the bill with the title company and requested they update and remove the collection report. The city of XXXX XXXX stated they will not remove the information and insisted even if they update the balance of {$220.00} to {$86.00} they will not remove the collection report after payment. XXXXXXXX XXXX   stated they will not let me dispute the charge or receive any proof until the City of XXXXXXXX XXXX notify them. As of today, XX/XX/XXXX I was not allowed to pay the {$86.00}. The only option is to pay the {$220.00} that I do not owe. Base on what XXXX XXXX city told me the current balance after adjustments will be {$86.00}, but their system or representatives will not take the payment for {$86.00}. Also, the title company still in possession of the escrow funds to pay the bill.