WillisBack/dataset-financial-user-claim huggingface dataset:
I want to purchase the home I 'm in now. I have a lease option to buy for XXXX I approached a mortgage company : Bay Equity Home Loans, a local franchise here in XXXX XXXX, XXXX XXXX XXXX. My situation is unique in that I 've been a victim of ID Theft with regards to my former employer : XXXX exposing my XXXX Tax information to overseas hackers and that the IRS Confirmed this with a letter in XXXX that my XXXX was submitted a second time in XXXX 2016 : SEE ALL ATTACHED. 

In speaking to XXXX XXXX, he assured me that since I 've got my case well documented that he " felt '' that he could overcome my low credit score and the massive inquiries from XXXX to XXXX 2016 which I 've written the XXXX bureaus about removing as of XX/XX/XXXX. 

I 've asked my real estate agent : XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) who wrote my original contract and lease option to assist me with the purchase of the home. Now, due to my SHORT SALE of my previous home, I owe the VA XXXX due to the LOSS " BUT '', I 'm still eligible for SECOND TIER loan Guarantee according to the XXXX XXXX of a home up to XXXX. Here are the details of that phone call : 1 - The home needs to have the tongue and axles " REMOVED '' as this is a double-wide manufactured home : THEY ARE GONE! 
2 - VA DOES NOT require an engineers report 3 - Remaining bonus entitlement = $ XXXX XXXX - XXXX of home to buy : {$200000.00} 5 - WE HAVE {$2000.00} in that the landlord/owner agreed to use towards a down payment 6 - The new certificate will be issued as a compromised CLAIM in the center section of my loan certificate NO MIN CREDIT SCORE REQUIRED and it 's based solely on investors and lenders overlay. 

THE PROBLEM : XXXX XXXX at Bay Equity REFUSES to now get me a load because the house was move to this location from the original location where it was set when purchased buy the original owner. THUS : They are DISCRIMINATING AGAINST ME as a VETERAN and REFUSING TO ALLOW ME TO BUY THIS HOME. 

This is NOT ACCEPTABLE and XXXX XXXX told me now I have to SHOP AROUND for a bank/lender the WILL allow me to buy this home because it was moved a SECOND TIME. IT 'S XXXX! PERIOD, END OF CONVERSATION. 

If the VA will GUARANTEE the loan and they could care less if it was moved a bazillion times to another universe, then why wo n't BAY EQUITY or even XXXX do it and shut me down wishing me " GOOD LUCK! '' I DO N'T HAVE TIME FOR THIS XXXX and DO NOT FEEL THAT I 'M BEING TREATED FAIRLY!. I can BE EVICTED and the HOME CAN BE SOLD FROM UNDERNEATH ME and I WILL NOT STAND FOR THAT.
I placed a stop payment on a debit transaction on XX/XX/XXXX however on XX/XX/XXXXandXX/XX/XXXX the item posted to my account causing for my authorized transactions to be returned in error. I called BBVA Compasss on XX/XX/XXXX to rectify the situation and they told me that the stop payment that was placed had expired, which was information that was not provided at the time of placement. I have been adversely impacted and they state they are unable to immediately assist me all the while charging me fees. I have reviewed their stop payment policy online which does not disclose a 2 week expiration but is as followed : Stop Payment Orders. You may request us to stop payment on any check, draft, or similar written order or instruction drawn on your account by giving us the information we may request, including the account number, the item number, the date of the item, the payee of the item, and the exact amount of the item, and by paying our stop payment service charge. We will search for your item by computer, so it is essential that all information you give us be accurate. To be effective, we must receive any stop payment order in time to afford us a reasonable opportunity to act. We will confirm your oral stop payment order in writing, and the information included in our written confirmation will be conclusively presumed to be correct unless you notify us within fourteen ( 14 ) days of the date of the confirmation.

Confirmed stop payment orders will be continued in effect for a period of two ( 2 ) years from the date the initial oral stop payment order was placed or such other period of time as required or under applicable law, regulation or rule ( including, but not limited to, the UCC as enacted under any applicable law, regulations issued by the Federal Reserve Board and rules issued by the XXXX XXXX XXXX ). A confirmed stop payment order will expire at the end of the two-year period unless you revoke it at an earlier date or renew it in writing for an additional two-year period and pay our stop payment service charge. You may not stop payment on an item if we have verified to the payee that the available balance in your account is sufficient to pay such item, or if we have accepted that item by payment or otherwise. Any account owner or authorized signer may place a stop payment order, and we are not required to release a stop payment order unless requested to do so by the account owner or the authorized signer who requested it. You agree to indemnify us and hold us harmless from and against any loss, damages, and expenses ( including attorneys fee ) we may incur by reason of our refusal to pay any item upon which you have stopped payment. For stop payment orders on pre-authorized electronic funds transfers, please refer to the Electronic Fund Transfer Disclosure Statement in this Agreement.
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. This vehicle was taken out with my information fradulently and unauthorized. I demand proof beyond a doubt that shows my social security and picture of which are all things required when purchasing an auto. Thank you for your assistance
Last XX/XX/XXXX my ex husband was late on the car payment with XXXX XXXX XXXX XXXX, Because he was not on time with his payment my credit score and report were and are still being effected. His failure to comply with court orders is preventing me from moving on and providing a place for our daughter and myself a place to live. I have worked very hard to repair my credit and have had no late payments in 4 years except this one from my ex husband. I believe that in goodwill the derogatory report should be removed because it was not my fault and the vehicle should have been out of my name if the ex had followed court agreements 2 years prior to the late payment in XXXX. I still have to suffer because of his negligence even though we are no longer married. In XXXX there was a court ordered agreement that he insisted on keeping the vehicle a XXXX XXXX XXXX. He agreed to have the vehicle refinanced and my name removed from the vehicle loan which he failed to do by XX/XX/XXXX. I filed for our divorce and included in our separation/divorce agreement there were two separate times he again agreed to have the car refinanced and my name removed from the vehicle. Which he failed to do, I filed with family court a '' Rule to show cause '' why he was unable to follow through with our legal agreement. the court gave him 4 months to have the car refinanced. We were scheduled for another court hearing on XX/XX/XXXX he did not appear for the hearing and claimed he was out that day having the car refinanced. He was able to refinance the car and have my name successfully removed. The loan with XXXX XXXX was paid off that was the only late payment ever made on the account. I would like to put this behind me and move on with my life.
our home loan was sold from other finance company in Florida to Caliber Home Loans. Attempted to contact on Website, phone, email and through our online account unable to obtain or speak to anyone. No loan activity nor payment for our mortgage has been taken out for XX/XX/2016. Upon checking reviews this company has a history of not returning calls, not receiving payments and filing foreclosures on the proprieties, we are in fear that this is going to occur with our property. Complaints have recently been flied on this company for the same reasons as related above
XX/X/2016 After repeated calls I asked the manager of XXXX XXXX XXXX to not call my work and gave my personal cell phone number. Reminded them that the fair trade commission established the fair debt collection practices act and under this act it states that after I have given them a oral warning not to call my work its consider harassment and if they continue to call my work I can seek legal pursuit after them.I have now documented and my front office has documented several times they have been calling my work number. They do n't seem to understand and continue to harass me and now I might lose my job because of it.
My tenant was served papers at XXXX of my rental properties for a debt that the attorney office is attempting to collect. My tenant advised that the papers were merely left on the front door step and when they went to see who had come to the door they found an envelope that was not addressed to anyone, so they opened and found summons papers addressed to myself and wife. 

I am disputing this debt for the following reason ( s ). This debt does not belong to me. Additionally this was improper service. My home is XXXX miles away from the house that my tenant was served papers at.
I signed up for the XXXX XXXX Secured credit card on 2 occasions. The reason why I signed up for the card was because I was told it would help me to improve my credit score. Well unfortunately it further damaged my credit score and XXXX XXXX also incorrectly reported this information on my credit report. 

I initially applied for this card between XX/XX/XXXX/XX/XX/XXXX. The card did not come in the mail. What I was unaware of was that a statement was sent in the mail for the annual fee ( which is billed the first month after the card is sent ). I had not received the card, and was billed for the annual fee, which prompted me to contact the company. As a result, the account was closed, since the card was not received nor used and the deposit of {$200.00} was refunded. I was told that the negative reporting of the late payment would be removed from my credit report in lieu of the issue. This is still reporting on my credit report as of XXXX ( almost 1 year later ). 

I decided to give XXXX XXXX a try again, applied for the card in XX/XX/XXXX. The card did not show up, however I was charged the annual fee for the card, which went unpaid. This also showed up on my credit report, which prompted me to call XXXX XXXX again. I spoke to a representative named XXXX on XX/XX/XXXX @ XXXX. 

XXXX told me that I would receive an account closure letter, a refund for my {$200.00} deposit that was made and that the negative reporting for the months of XXXX and XX/XX/XXXX would be removed from my credit report.
My mother purchased a car back in  XXXX  for a   XXXX   XXXX  . Her interest rate is 9.94 % for 75 months with payments at  XXXX . She made her payments and in  XXXX  she made a lump sum payment of {$18000.00} dollars and you would think that would have lowered her monthly payments, but no,  XXXX  says that they have to be told to apply the payment so that they could lower the payment. We tried to get them to lower the payment and they say she has to pay {$2000.00} in order for them to do that. The term of her loan is ending and she still owes {$8000.00}. Talking with their customer service department, they have been charging her a daily charge of  XXXX  that is not stated in her contract. I have copies of the contract and her payment history that is attached. Customer Service Reps/Managers have not returned my calls/messages.
I was charged a delay fee. The delay was the fault of Cardinal Financial. But they charged me a late fee. 
First, I sent numerous emails and faxes with my information. I was told that they did n't receive it despite fax confirmations. 
Second, I was told my Cardinal that everyone was on vacation and they could n't work on my mortgage approval. 
Third, I was told on the day that my mortgage was supposed to close and I did n't have a choice I was backed into a corner. Their practices are criminal. 
My other issue is that it took XXXX months for them to give me back the funds that they were supposed to use for my property. They did n't pay it on time. So, I had to pay it. I called and wrote numerous times to get the money back. It took hours.
XX/XX/XXXX Dear Consumer Finance Protection Bureau : I need help with a lien on my home which should not be on there. 

In XX/XX/XXXX, I had financed a 2nd mortgage from XXXX XXXX  XXXX for {$10000.00}. Then, XX/XX/XXXX XXXX XXXX  release my lien before transferring my loan to XXXXXXXX XXXX XXXX. Then, XXXX XXXX XXXX XXXX transferred my loan to XXXX XXXX XXXX. But did not release the lein before switching to XXXXXXXX XXXX XXXX. Which I had paid off in XXXX. In XXXX, I moved to XXXX  for personnel reasons. Before I moved I made sure to satify all my loan obligations. I lived in XXXX  for eight years. I was still making my mortgage payment. I had my brother staying in my home while I was gone. I was working XXXX XXXX XXXX XXXX contracting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Then, President Obama changed the tax laws, really hurt our company with high taxes for small business. We had to go out of business. 

I had to moved back home to XXXX, XXXX. I had no luck finding a job in XXXX. I almost lost my home. I researched my options. I heard about XXXX County Action Plan. They seen I had a lein on my home by XXXXXXXX XXXX XXXX. 

XXXX County Action Plan, also known as XXXX XXXX Housing Finance Agency, XXXX County Legal Aid and I investigated my sitaution. We found out that XXXX XXXX XXXX was taken over by BM Harris Bank. XXXX XXXX XXXX does not exist anymore. 
I contacted BM Harris Bank and spoke with XXXX XXXX the person in charge of that department. Mr. XXXX look into the matter for us. He did not see any outstanding balance or anything against my named. XXXX spoke with Mr. XXXX and was satify with his investigation. XXXX put me in the program. XXXX  Housing Finance Agency helped me by paying my mortgage payments for 18 months. This program was XXXX Blessed. XXXX  would not have helped me, if they thought this was not cleared. I thought this matter with the lein was taken care of and the lein was lifted. 

In XX/XX/XXXX, I look in to refinance my home to get a lower interest rate with XXXX XXXX XXXX XXXX. Everything was good until the issue of this lein came up again. XXXX XXXX XXXX XXXX put their legal team on this matter. But the same thing is happening again. XXXX XXXX XXXX closed on the lein, XXXX XXXX closed to the lein. But XXXX XXXX XXXX did not sign off on the lein. Which XXXX XXXX took over the mortgage from XXXX XXXX XXXX. So, XXXX XXXX XXXX should have signed off on the lein before XXXX XXXX took over. 
I tried to contact XXXX XXXX again, but he was promoted to a different position and location. No one at BM Harris has no idea how to solve this issue. So, I was referred to consumerfinance.gov by XXXX. They think you all can help me to clear this lein. You are my only hope to lift the lein and last option. 
Please help me with this, I gratefully appreciate anything your organization can do to clear this lein off my property. 

I also included the letter from the XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. Which details the investigation the firm did. 

Sincerely, Hopeful
After filing case # XXXX with this agency, I received the attached. No correspondence at all. Just these XXXX pages. Again- they 've not only wrongfully accused me of not paying a bill but one that is over 5 years old which I 've never received!
On XX/XX/19 deposited paycheck in the amount of {$2600.00} into checking account. This is the same deposit that is made twice monthly. Same amount, same account. There have been no issues for the past year with deposited paychecks. Bank now refuses to make funds available until XX/XX/19, which has compromised our jobs, due to childcare not getting paid, compromised our mortgage payment, and now we can not pay our electric which is due by XX/XX/19, before being shut off. We have attempted to contact the bank and were told by both our local location and the customer service line, that they were going to hold our paycheck for 10 days due to our account being negative before. Our account has {$.00} in it with no outstanding balances or purchases. This holding of our paycheck is in no way useful to the bank, other than keeping us from paying our bills and as a form of punishment.This is through Fifth Thirds Bank.
{$330.00} was withdrawn from my checking account XX/XX/XXXX to satisfy a previous account that was closed XX/XX/XXXX with NFCU that did not have an outstanding balance. The last communication that I have had with NFCU with regard to this account that was closed was in XX/XX/XXXX and it was satisfied in order to open a new account with them which is still active to date. The bank advised that both accounts were active at the same time however they were not because I was not able to open the new account without satisfying the closed account. I have since had an auto loan with them in which I paid off early, a personal loan ( still active ), a savings account ( active ) as well as a checking account ( active ) and at no time did NFCU reach out to me outside of XX/XX/XXXX to discuss the closed account or any balance owed on the account instead almost 4 years later they debit funds out of my account without notice causing it to go into the negative. I asked that they send a copy of the last statement for the closed account they are collecting for as well as the 1st statement for the account that was opened around that time neither of which has been provided to me yet, I am asking that my funds be placed back into my account as it is not owed to them nor can they justify the lack of communication for almost four years on an account they believed to be delinquent that was satisfied. They could only advise that they do not send notices out nor do they call on delinquent checking accounts that are closed, please do tell how would a consumer know funds are owed on an account that was satisfied and not open at the time that the new account was established. I would like the last statement for the account they are saying had a balance as well as the 1st statement for the account that was opened in XX/XX/XXXX.
I took out a auto title loan with Cash Call and was given more then I could qualify for and rushed thru the rates which are illegal. They gave me a {$10000.00} auto loan with rates over 200 %. Yes that is correct an auto loan with over 200 % rates. I was at a bad time in my life and going thru XXXX issues and they took advantage of that by skimming quickly thru the papers and having the money on the counter while I was signing to distract me from the papers. Well I made a couple payments and then couldnt make the {$1100.00} a month payments on a 72 month {$10000.00} loan. I have been disputing this as an illegal loan with XXXX and the other XXXX bureaus with out getting it removed. This is effecting me from being able to get mortgage licensing and costing me big time. I need this removed from the credit bureaus as this illegal loan should not be allowed to post to the credit bureaus.
In review of my TransUnion report via XXXX XXXX, I 've discovered on XXXX XXXX, 2016 XXXX XXXX XXXX hard inquires were removed from my credit profile and re-inserted on XXXX XXXX, 2016 without notification. TransUnion is required by law to inform me within 5 days of re-insertion that they are adding anything to my credit profile and since TransUnion failed to notify me they broke the law. TransUnion violated my rights under the FCRA SECTION 611 laws. I 've been calling TransUnion ever since and received no help. TransUnion representatives refused to transfer me to the Fraud Department or the XXXX Department for assistance with this issue ; multiple incidents with rude, unprofessional and uneducated representatives representing TransUnion ; I have also been told by TransUnion representatives that TransUnion was aware of this issue but, refused to correct it or provide a resolution to its consumers that were affected by this glitch or TransUnion error.
On XX/XX/XXXX My Representative from the HR company in my Corporate office received a Call from a Carrier looking for me Named XXXX XXXX from XXXX XXXX XXXX. XXXX XXXX told my HR Rep that she had documents from the court and had an old address and needed my new one. My HR rep told her she would let me know and give me the information number XXXX and reference number XXXX. I called the number XXXX that XXXX XXXX left with my HR Rep and a Guy Answered by saying " Hi, how may I help you '' not once did he say name of the company or the whole speech about the call being monitored. He told me his name was XXXX XXXX and he is representing GE Bank and Walmart on a card that was opened in XX/XX/XXXX and now a complaint is filed against me. He gave me my address which was correct, my DOB and the last four of my Social. He said that the last payment that was made was in XX/XX/XXXX. And that now I owe {$2900.00} not the original {$1000.00} since interest and fee are added and that he sent me a payment plan letter in the mail. Which I have never received. He wanted me to pay on spot or he said my Employer would be served. So I told him I would call back on XX/XX/XXXX so about an hour after I talked to him My Dad called me to tell me a XXXX XXXX Left a message on his machine saying she had papers to serve me with that a complaint was filed against me and that she has already talked to my employer. I told my Dad to save the message. Then I get a call from a private caller and they left a message it was XXXX XXXX telling me the same thing she told my Dad and my Employer so She called my Employer first to tell them information, then my Dad, then me last. Well I called back the number XXXX to see if I could get a company name, a girl answered but did not say name so I hung up. A minute later I got a call from a Private caller, it was XXXX XXXX he left a message saying that someone said I called and wondered if I had a questions to call him back at XXXX. So like I promised I called XXXX XXXX back at XXXX on XX/XX/XXXX and I brought up the Statue of Limitations and he said now the last payment was made in XX/XX/XXXX. So I told him that is incorrect and I told him the laws were broken by his carrier. So he said that if I do not resolve this then my employer would be served and they will need to release my paycheck documents because they will garnish my wages, I told him this was a scam and hung up. I waited 10 min and called back hoping to get a business name and a woman answered and told me the name of the business was " XXXX XXXX XXXX ''. Laws have been broken my privacy has been violated and I am thinking of talking to an attorney about this. My Employer was concerned for me, My Dad was Concerned for me. This is Harassment, Illegal, and my Privacy has been violated.
Keep getting calls about being past due and late, when paid before late date. Also calling people that are not on loan and even tied to my loan after being repeatedly told not to call them. They stepped out of line calling a family member thats not even on the loan
I filed a dispute with XXXX about account number XXXX reported by the National credit system, inc.in a amount of XXXX. I told XXXX that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX