WillisBack/dataset-financial-user-claim huggingface dataset:
I completed a loan application with XXXX ( now Key Bank ), was given what I thought was a pre-approval letter but in reality was a pre-qualification letter to purchase a home. I paid for the home inspection, appraisal and up until mortgage committment day, everything was going well. On the day of mortgage committment I was notified that I did not qualify for the loan product they pre-qualified me for and was denied the mortgage based on me making too much money.
Received a call about owing {$10000.00} for a debt from  XXXX . They said it was some  XXXX  account with no details and reactivated in  XXXX  and a letter was mailed in  XXXX . The caller said that if I do n't pay him in  10  minutes then he would take me to court and sue me. I attempted to question where the debt came from and for what but he just insisted that he will just levy my accounts. He threatened me by saying I have you SSN, I know what bank accounts you have and I can see everything.   I researched online the company and it appears to be a scam company who constantly changes its name.
To who m it may con cern, I have a collection account on my file from a collection agency name d : (  Midwest Recovery Syste ms ). The accoun t is as follows :  XXXX   XXXX   XXXX ,   XXXX   account #  XXXX . Please be advised that I am disputing this collection due the fact ( Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX , MO  XXXX  ) does not currently have a valid license in ( Florida ) to collect on debts. This information is stating that their license is currently ( Expired/Denied Tech ) according to FLORIDA OFFICE of FINANCIAL REGULATION S (  address :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ). I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me physical pro of ( Midwest Recovery Systems ) is licensed to collect debt in ( Florida ). Your immediate response will greatl y be appreciated.
We placed a contract on a new construction spec home owned by XXXX. At the time, our current home was under contract ( cash deal ) and we had to close in 3 weeks. The realtor at XXXX did not make the sales contract contingent on the sale of our home, but instead made it contingent on our ability to obtain financing within 30 days. He also suggested that we put down a hefty binder deposit of XXXX to secure this new home. We did. 
Two days after signing the contract for the purchase of our new home with XXXX, our buyers backed out of the deal to purchase our existing home. This left us with XXXX choices if we still wanted to move to the XXXX XXXX. 1. Put our house back on the market ASAP or 2. Rent out our current home. After doing much analysis on market conditions, etc.. we decided that we did not want to do either, and we would just remain in our current home and get denied on the new construction XXXX XXXX based on the fact that we ca n't qualify for both payments. 
My husband and I have been in salaried jobs for 20 years and we are still in those jobs. However, in the past 3 years, we opened a business which has sustained significant losses. When submitting the documentation for our loan, we provided tax returns showing these losses over the past two years. 
Our initial ( verbal ) loan approval was based on the requirement that we would either need to rent or sell our current home. We told that that we wanted to do neither and we submitted our official Notice of Cancellation and asked that they return our {$10000.00} earnest money check. The very next day, we get a call from UAMC ( XXXX 's mortgage company ) saying that they are overlooking the losses on our tax returns and that we are approved carrying XXXX mortgages. 
Based on this unconditional loan approval, we have XXXX options : 1. We close on the new home or 2. We lose our earnest money deposit or 3. XXXX holds the earnest money for 12 months and we buy another XXXX XXXX. 
Our issue with this is that we KNOW we ca n't afford our current mortgage plus the new mortgage based on our current ( and sustained ) business losses. They are forcing us into a financial situation that we ca n't afford and that significantly worsens our financial position. Our Debt to Income ratio without counting our business loss is roughly 37 %. Our Debt to Income ratio while counting out business loss is roughly XXXX %. I know that the XXXX standard for DTI max is XXXX %. We greatly exceed that DTI when our tax returns are factored in. We do n't understand how a lender can 'overlook ' a two year average of almost {$65000.00} in business losses, and therefore force us to purchase a home that they KNOW we ca n't afford.
This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.

The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this notice includes identification of the specific information being disputed : XXXX, XXXX, and XXXX reporting for Acct # XXXX Date opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Amount past due : XXXX : {$1800.00} XXXX : {$10000.00} XXXX : {$10000.00} Date of 1st delinquency : XXXX XX/XX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Last Payment made : XXXX not reported XXXX   XX/XX/XXXX XXXX XX/XX/XXXX Reposession : XXXX Not reported XXXX XX/XX/XXXX XXXX   XX/XX/XXXX and XX/XX/XXXX *****PLEASE SEE ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XX/XX/XXXX********* also attached are the credit reports pulled from XXXX, XXXX and XXXX that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE XXXX EMAIL XXXX Attorney for plaintiff XXXX XXXX XXXX I have told them every time they send someone that they have the wrong person. I have emailed them screen shots of the correct person and as much info as I could find on XXXX. They keep serving me even after I sent a photo of part of my drivers license showing my date of birth is different than the person they are looking for. They continue to go forward with processes as if the correct person was served. This isn't fair the the other person, as they will not be able to go and defend themselves. My credit score is excellent and I plan to sue if their XXXX up alters my score or my finances in any way. The person I talked to on the phone was not pleasant either. I want them to find the correct person and leave me alone. 

Sincerely, The XXXX XXXX XXXX
My mortgage is escrowed and the mortgage company is responsible for making the property tax payments. I have made all of my payments on time. When my loan servicing transferred to Freedom, they had my escrow payment incorrect. I called to correct the issue and pay a higher amount to cover my property taxes. I received a notice in the mail yesterday that the county has placed a tax lien on my property due to unpaid property taxes. I have a FHA loan, the property taxes should have been paid by the mortgage company. This is not only public record that my property has a tax lien against it, but it will affect my credit as well. When the mortgage company contacted me back about my issue, they said it was the prior servicer 's responsibility to pay those taxes even though they were due when the current company was servicing the loan. They also told me that it was my responsibility to notify the mortgage company that they need to pay the property taxes. Freedom Mortgage made a huge mistake by not paying my property taxes through the escrow account that I pay towards every month.
On XXXX/XXXX/15 XXXX fraudulent charges occurred on my checking account in the amounts of {$66.00}, {$70.00}, and {$72.00}. A total of {$210.00}. On XXXX/XXXX/15 I noticed the fraudlent charges and reported the matter to TD bank customer services. I explained that I had never lost or misplaced my debit card and that I had never been to the location in which the fraudulent charges occurred. The TD bank representative took my information and said that an investigation would be initiated and I could expect the money to be refunded within 3-5 business days. On XXXX/XXXX/15, six business days later, I called TD bank again to check on the status of the investigation and the TD bank representative said that the person I had spoken to during the initial call had failed to initiate the investigation and I would have to start the process all over and that it would take 7-10 additional business days to resolve. After providing the information for the second time I asked to speak to a supervisor about the difficulty I was having getting the issue resolved. The TD bank representative stated that I could not speak to a supervisor but that if I left my contact information, a supervisor would call me back within 48 hours. I insisted I wanted to speak to a supervisor and was again told that I could not speak to one. Finally I gave in and left my contact information and asked to have a supervisor call me back as soon as possible. I never received a call from a supervisor or any TD bank representative. 
As of today the issue remains unresolved and no funds have been refunded to my account. 19 business days since my initial call on XXXX/XXXX/15 and 13 business days since the XXXX call. I have however been charged a {$14.00} maintenance fee because my account dropped below {$100.00}, which would not have occurred if the fraudulent charges had not occurred.
This is a supposed debt of items I did not purchase. In 2011, my identity was stolen. As a result some charges were incurred fraudulently using my personal information. This includes electricity bills, cable bills, stolen checks and merchandise purchased from CONNS XXXX. I have been a loyal customer to CONNS. Purchased and paid off my debts with only one missed payment. 
To my surprise, on checking my credit report, I see XXXX delinquent accounts with CONNS XXXX. All effort to dispute these charges with the XXXX credit reporting bureaus have been futile. 
They requested that I get a Police report, but the statute of limitation has elapsed. 
" I am requesting that These XXXX items be deleted from my credit report as I am not responsible for the purchase '' I have been a loyal customer and this may have caused Conns not to conduct proper verification of my identity before transacting business with the impostor. 
Again, I am not responsible for this accounts, Please DELETE FROM MY CREDIT REPORT
I had an FHA loan at US Bank that was paid off on XXXX XXXX 2015. On paying the loan off on the XXXX XXXX instead of XXXX XXXX I was charged {$1000.00} interest fee. I spoke to US Bank in regards to this and was informed that they were unwilling to refund the charge of {$1000.00} even though the interest charged was the EXACT same day as the loan was paid off. I feel that a {$1000.00} charge for paying off a mortgage loan 2 days into the month is, for better words, a scam.
On XX/XX/2018 at approximately XXXX XXXX I requested a transfer of {$500.00} from my PayPal account to my local financial institution, checking account. At XXXX XXXX I received an E-mail from XXXX stating that for up to 72 ( hours, days, weeks?? ) a hold had been placed on my transaction for review and IF it passed their review it would be released and the regular withdrawal timeframe ( 1 business day ) would then take effect. 

On XX/XX/2018 at XXXX XXXX I placed a phone call to PayPal. I talked with a male customer representative ( unknown name ) requesting as to why the hold was placed on this transaction when my checking account has already been verified by PayPal. He did not have an answer to my inquiry. He did state this was a normal PayPal practice. He stated that once a hold was placed on a transaction they could not override it. He also ensured me that once the review/72 hour (?? ) hold was over the money would be transferred and available for me to access. I stated that the E-mail said otherwise and he assured me again that the money would be available when the 72 hour hold was completed. 


Today, XX/XX/2018 at XXXX XXXX I make phone contact with PayPal and  talked with customer representative, XXXX. He stated that the hold was still in effect and it could now be 3-5 business days before the money might be released to my checking account. I informed him that 72 hours was completed and the money should already be in my account as the other representative assured me it would be. XXXX stated that it could possibly be Monday, XX/XX/2018 before the money could possibly be released to my account. XXXX stated that it was my financial institution 's practice to review the transaction and then notify PayPal to release the funds to my account. This did not sound correct to me. I requested to speak to XXXX 's supervisor as he was not attempting to resolve my issue and was just piling on a load of manure. I have worked in the most extreme area of customer service ( in a prison ) and truth is all that it takes, not a pile of manure. He refused to transfer me to a supervisor. I ended the call as the pile of manure was being spewed to thickly. I contacted my financial institution and inquired if they had to review the transaction before it was released into my account and they assured me no that was PayPal 's  responsibility to release the funds not theirs. 

I am not asking for thousands upon thousands of dollars to be transferred. I just want my XXXX XXXX dollars so I can buy some XXXX gifts for my family and get my husband 's truck repaired. I am very frustrated with the run around I am getting with PayPal and hope that others do not have to go through such a hassle just to get their money.
This loan closed as a short sale with XXXX XXXX XXXX on XXXX/XXXX/16. The file closed, XXXX XXXX XXXX was paid, there was no money owing to them. Then recently the loan was transferred/sold from XXXX to Selene Finance. The loan should not have been transferred. Selene is now contacting the seller requesting payment and have not confirmed that the loan is paid. They are threatening foreclosure too.
On XXXX XXXX I contacted XXXX over their chat system about getting internet for my new house that I was closing on XXXX XXXX. Since this was prior to closing, I knew that I was not allowed to have anyone pull my credit report until after I closed on the house. While I was communicating with XXXX they asked me if they could pull my Credit Report. I clearly said " No '' in the chat and that I would just wait until after XXXX XXXX to order the service since I could not have my credit pulled until then. They said that they could authorize me a different way and I said OK, but unfortunately I got disconnected and did not contact them back just so I could wait until after I closed on the house. 

Today ( XXXX XXXX ) I went into my XXXX account and saw that on XXXX XXXX XXXX did pull my Credit Report after I clearly denied authorization for them to pull it. Luckily my closing went fine and this did not become an issue, but it could have become a disaster at closing! I would have been fine with them pulling it after XXXX XXXX, but I am very upset that they still pulled it without my authorization. 

I have attached a copy of my Equifax Credit Report clearly showing the inquiry on XXXX XXXX. I work for a finance company and I know that if we pull someone 's credit report without any authorization we can lose the right to pull any more credit reports at all.
I am a victim of identity theft. My personal information was compromised and a fraudulent charge was included on my account without my consent or authorization. 
I sent this company my dispute letter on XX/XX/XXXX18 with a detail explanation on the above mention case. I even attached the following documents as proof for their smooth investigation on this matter : 1.Identity Theft Report 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act But to my surprise, this company still kept reporting this fraudulent account. This letter is a written proof of my intent to resolve this matter and have the fraudulent account expunged from my report before pursuing legal action.

For yet one last time, the following account had a fraudulent charge : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/ 2018, Original Balance {$280.00} I have attached herewith the letter I sent to this company and my identity theft report for reference.
Number calls continuously, sometimes as many as 4-5x a day. They call and if picked up refuse to acknowledge. They refuse to identify who they are and why they are calling. Skip trace of the number indicates it belongs to a United Collection Bureau.
Have been trying since XXXX to get a pay off statement. After not receiving in XXXX we called again. We simply want to pay off loan. Last request was XX/XX/XXXX. They said we would have pay off quote in 7 to 10 days. Its now been 15 days.
Re complaint # XXXX On XX/XX/2016, Wells Fargo " beat me to the punch '' and notified me that they were closing my checking account. 
About the same time I had intended to close my account but that may be immaterial. 
When I called to inquire about collecting my money in the account, {$33000.00}, I was told that my account was frozen and that I could not get my money until PROBABLY XX/XX/2016. 
When I asked why the account was frozen, the only response I could get was " We decided to close the account and, per the documentation when you opened the account, we can do so at any time without having to specify a reason ''. 
I agree that this is in the papers. However, unless there is a legal reason to do so, they have no right to refuse access to my funds. 

I filed a complaint with you and, as a response, around noon today ( XX/XX/2016 ) I received a phone call from a XXXX XXXX ( phone : XXXX ), who told me to go to the nearest Wells Fargo location, tell them that I was there to close my account and that I had been told that the branch where I closed the account would give me a cashiers check for my funds. 
At the XXXX XXXX branch, the woman I spoke with, XXXX XXXX, called corporate and was told that they would NOT authorize the release of my funds. 
I made a call to XXXX XXXX who told me she would check it out and get back to me this same day ( XX/XX/2016 ). At about XXXX she called me back and told me that corporate would not yet release my funds and, being a long weekend, she would TRY first thing Tuesday XX/XX/XXXX. 
I told her that I have done nothing illegal and she responded with " You have told me now twice that you have done nothing illegal, why? ". I responded with : " Without having been given a LEGAL reason as to why my funds is held, it is illegal to freeze my funds. 
If there is a LEGAL reason like a crime or potential crime, I have the right to know what this is. " We decided to close your account '' I can accept. However, without LEGALLY documenting as to the reason why Wells Fargo is holding on to my funds Wells Fargo is obligated to release my funds the same day that they close my account ''. 
So far I thus have neither my funds nor a legal reason as to why. 

If at all possible, I want my money tomorrow, XX/XX/2016, since some of the branches are open until early afternoon.
My credit report was used inappropriately to determine financial eligibility for a Patient Assistance Program through XXXX, aka " XXXX ''. I was denied use of their program based on what I was informed by them was a " Projection ''. I was also informed by them that my annual income was XXXX. This was a shock to me as my annual income is only XXXX. If it really was XXXX I would n't need assistance. My income of Social Security XXXX and a small pension has not changed significantly in the past few years. After several phone calls, I discovered that Experian was used for this " soft credit check ''. When I spoke to someone at Experian, I was told that they do not provide my income during a credit check. Apparently, this is not accurate, because I found an article online ( XXXX XXXX, " Is Your Doctor Checking Your Credit Report? ". The article states that Experian does provide " Income Estimation Tools ''. I have used the XXXX program for several years to provide me with XXXX medication that I can not afford. In previous years, XXXX has asked for proof of income, which I have provided to them. This year they changed their application form and made it very confusing for me. I have learned from past experience that my application form must be perfect or I will be denied for medication. I worked very hard on making sure my part and the physician 's documentation were all correct. I called XXXX and was assured that everything looked good. The next day, I received the denial letter which stated I did not qualify for their program based on my income. I have worked hard all my life to maintain good credit. I recently found that my credit score was 850. Never in my wildest dreams did I imagine that this would work against me. I strongly object to the use and marketing of this " Projection '' tool for the purpose of denying me access to low income programs for which I qualify. Now I will have to do without my XXXX medication that I can not afford. I do n't know what that means for my future but that prospect is very frightening to me.
I had a final balance of {$68.00} due to Conns in XX/XX/XXXX, unfortunately i was not able to make the final payment until XX/XX/XXXX. I logged into my account www.conns.com and clicked on " Pay your bill '' on XX/XX/XXXX and attempted to make a payment of {$68.00} plus the late payment bringing the final balance of {$72.00}. I got a message stating credit card payment declined. Do no honor. Please contact customer service to make a payment. 

I received two collection letters for XX/XX/XXXX and XX/XX/XXXX stating my balance is {$72.00} and that the benefits of paying conns is no more collections calls. The letter also stated I could make a payment at www.conns.com, the same website that will not honor my debit card. 

I am continually getting up to 20 calls a day on my phone to resolve this issue. I will not talk to any customer service and about my payment. I want to make my final payment of {$72.00} XXXX and not through customer service.
XXXX XXXX does not know XXXX. 
This is fraudlent account. My documents were stolen in 2009. 
This dates back to when my documents were stolen.
This company has inaccurately been reporting their address on my credit file I have sent a numerous amount of letters over to the company and they have all been returned. Reporting anything inaccurately on a credit report is a violation of FCRA! they have provided a false address to reach them. Also, the account number on my account is reporting inaccurately I am not familiar with it. It also says this debt has been charged off which means this contract was cancelled there is no contract!