WillisBack/dataset-financial-user-claim huggingface dataset:
My family and I wanted to buy a new home. We got Preapproved from XXXX XXXX with Supreme Lending Services. I was very clear from the get go, that we would not sell our home that we have been living in for the past 11+years, if we could not buy another home. It was promised to us that we had everything that we needed to close on home, no problem. So we started to look for a home. We found XXXX and when it came to closing the underwriter from Supreme Lending stated that all we needed to close was XXXX bank statements, and to pay off a couple of assets. This was presented again, but to us ( XXXX and XXXX XXXX ), my realtor, the sellers ( husband and wife ), and sellers realtor on a conference call with XXXX XXXX ( Loan Officer ) that we were already approved ALL we needed was XXXX bank statement from new bank acct, and to pay off a couple of assets. When the XXXX bank statement that we were waiting for came in we were ALL under the impression that we were going to close, but at last minute we were DENIED DUE TO PAYMENT SHOCK!!!! This was a SHOCK to us all of us, because this was never mentioned. Now me and my XXXX kids ( XXXX XXXX. XXXX XXXX ) this issue has put us in a position that we maybe losing our fostering license. It takes time and money to have another home study to keep compliance for holding fostering license. Not to mention XXXX dogs that just any rental will allow to keep. 
We did everything in our power to do as the loan officer XXXX XXXX with Supreme Lending instructed us to do, and we did it at a timely manner. She did not know what she was doing, and she lied to not just to me and my husband but to both realtors and sellers involved. Every time we ( XXXX ) spoke to XXXX she needed something different from us, because something new came up, so we were told. I then started to talk to XXXX another employee at Supreme Lending because I became worried. She also said that we were close to closing, she does not see any reason why we would n't be able to, she also spoke with the sellers as well. I have many of text messages and conversations that this was uncalled for, and the outcome was ridiculous. 
We, the sellers and I had been told numerous times that we will be closing next week, but next week never came. This has not only left my family and I homeless, but also have put the sellers into a lot of grief, they also will not be able to close on the home they had built for them. This has been a stressful and devastating situation for both families involved.
Today XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.
Disputed with the company on several occasions and they still havent provided proof in a timely manner. The FCRA gives the company 30 days to respond. I have not gotten a response.
Medical Bill my ex-wife failed to properly submit to correct insurance went unpaid and I was not notified or ever received a bill until I saw the negative mark on my credit report. I made immediate payment while still proceeding to have the correct insurance coverage applied. The collection company is refusing to remove the fraudulent derogatory mark from my credit reports.
Td bank allowed someone to access my account fraudulently via multiple phone calls and allowed them to initiate voice recognition changes. There were multiple transactions made without my knowledge that were clearly fraudulant and very untypical of the banking that had taken place over the last 20 years. Then a large fraudulent purchase was made in another country with these funds. Td bank failed muliple times to alert me of this unusual type of transaction
On the XXXX XXXX 2016, while trying to get my report online, Trans Union kept telling me " unable to complete your request '', I then tried XXXX and XXXX and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their .com websites which redirects me to the the XXXX website. 
I was advised to file a police report and need the credit reports to do so,
My wife and I purchased our home on XXXX XXXX, XXXX in which we took out a 30 year fixed conventional mortgage. At the time of purchase we had a down payment of less than 20 %, so we had agreed to purchase the Private Mortgage Insurance ( PMI ). Since that time we have made continuous timely loan payments. At the beginning of XXXX XXXX we requested from Chase bank, our current lender that we would like to have our PMI removed off our loan since we received an " Annual Disclosure Notice to Mortgagor '' from Chase that it would be possible to remove the PMI since, we estimated our property value to have improved significantly to exceed the 80 % LTV requirements. We contacted Chase by telephone and they sent us a notice instructing us to submit a non-refundable {$450.00} payment to have the property appraised. Once we submitted the {$450.00}, Chase sent out an appraiser to evaluate the property in which the appraiser concluded that our property value has increase and has improved our LTV to 77.25 %. After the appraiser submitted their findings of the increase home value Chase refused to remove the PMI stating that we need to reach 75.00 % LTV instead of the 80 %. Please help us to enforce the rules of the Homeowners Protection Act of XXXX aiding my wife and me with canceling the PMI upon request of the borrower.
My credit is being hurt because the sharks ( XXXX ) trying to wrongfully charge me or the collections agency ( Thomas Agency ) who partner with them are the only entities that can tell the credit bereau that I do not rightfully owe them money which they will not do because they obviously want it wrongfully. I XXXX and went to XXXX. I was scheduled for XXXX at a XXXX Facility, The XXXX XXXX XXXX, and applied for XXXX by XXXX. They helped me very quickly with my XXXX Determination, the box next to ACCEPTED was checked and next to it reads " The hospital or physician practice will provide care at no charge to you for any participating XXXX facility or physician practice bill NOT paid by insurance or other payers. XXXX XXXX will be valid 'For outpatient services- thru XXXX/XXXX/15 ''. The entire bill is outpatient and covered. I was harassed over the phone several times by XXXX 's financial coordinator and sent her copies of my free care determination form which she said very bluntly that they were not going to accept it and we did that phone dance. Then I was being harassed by The Thomas Agency collections, and there is no way to reason with those people, they talk over you say their client does n't accept XXXX with no explanation of why they are above the law, and hang up shouting " Pay us the money ''. I checked my credit score and noticed that the credit bereaus are holding the collections debt against me so I put disputes into XXXX and XXXX. I received an Investigation Report from Transunion even though they never contacted me for my side of the story, the log in link to XXXX was broken which I needed to log into to add a XXXX word statement. I called the number on the investigation report and explained, they gave me another number for customer service to which I explained again, they said they were going to send me to " special handling '' ( which name implies to me that I am already in the wrong and considered by them to be irate ). The special handling lady was actually very helpful. She said she would type my explanation and submit a re-investigation. However she explained to me that regardless in order to remove the charge that either the biller XXXX or collections agency ( Thomas Agency ) had to remove the charge or say they did n't want the money ( which they know I rightfully do not owe them in the first place so why would they stop trying to pry it from me now? ). She told me about the CFPB and said that it was the best shot place to contact for help and here I am typing. I would very much appreciate help for my case. I feel the system is messed up and these big companys can just bully the little low income guy because the credit bureau takes their word about false debts and then the credit bureau can not even undo the harm after investigating the legitimacy of the charge.
I paid {$800.00} to XXXX, CEO, XXXX Simple Solutions Credit XXXX , AZ XXXX I paid this back in XXXX and XXXX made a bunch of promises over the phone about XXXX major issues on my credit report and they were not legitimate or correct filings on my report. They did not get anything removed and refused to refund my money. 

XXXX also offers others a chance to open their own credit repair business for {$3500.00} or more and she ca n't even repair credit herself. 

I want my money back immediately.
I had been saving my rent money in my savings account to set it aside for the first of the month. However, I transferred it back to the checking account too late ( one day late ) and because of that, I was charged a fee. I 'm in serious financial distress right now. After a medical problem, I have accumulated a lot of debt and I had only allocated the last {$20.00} that was supposed to be in my account to feeding myself for the next 10+ days. This bank has refused to return the {$35.00} despite my circumstances and my account remains negative with no possible way for me to fix it and with more fees on the way because I also had XXXX small bill that will now also overdraft my account since the fee was charged.
I was never late in paying my GECRB/Shaw. The account was on autopay set up through Synchrony Bank and that had been the mode of payment since establishing the account. I paid the account off in XXXX. I do n't know how they can justify destroying my credit by stating that I was 30 days late, four times for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Synchrony Bank they refused to take this enormous mark off my credit. That account has a zero balance and was closed at my request. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX and XXXX off my credit report.
Nationstar Mortgage company had scheduled a home inspection on XXXX XXXX 2016, the mortgage companies representative fail to come for the home inspection. Therefore I sent a letter via fax to have the funds released. Now the mortgage company is stating that I need to reschedule the inspection. Why when they failed to show up for the inspection and to top it off MY ACCOUNT WILLED BE BILLED FOR THE INSPECTION. Several times I have requested information stating why I am to pay for the inspection when Nation Star is requesting the inspection they have yet to send me any correspondence. They refuse to release the remaining funds so the contractor can get paid. PLEASE HELP ME NAIONSTAR MORTGAGE COMPANY IS GIVING ME THE RUN AROUND.
I rented a car in XXXX XXXX from XXXX. I had an accident at that time and was covered by XXXX 's car insurance. XXXX paid the claim and XXXX signed a release for all damage claims and related charges to this accident. The number XXXX and XXXX agreed to was {$9700.00}. 

In XXXX XXXX i receive a phone call from Wilber & Associates telling me that I owe around {$1500.00} for this accident. I tried to explain to them that this ca n't be because XXXX signed a release form. One agent at Wilber threatened to get my driver 's license suspended. In any event, they tried to finagle a deal with me if I paid at the very moment. I refused and tried to reach XXXX. 

I ca n't reach XXXX ' claim department to find out what this is all about. I consulted with a lawyer ( friend ) who read the release letter and it is very clear that I am completely released from all future claims. 

I 've sent Wilber & Associates a letter clearly explaining this and sent them a copy of the release letter. I also sent this to XXXX. 

I believe Wilber is targeting people like me to try to get us to pay them for invalid claims. I believe they are committing something close to illegal. 

Thanks
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their " USAA '' anything and thats why they can't validate these debts. Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Please be advised, Brock & Scott , PLLC has violated the Fair Debt Collection Practice Act, and as a result I have suffered tremendously. In the process of refinancing my home, an account from Brock & Scott , PLLC was presented to me as the reason for my refinancing loan being denied. Prior to XXXX 2017 I have never received correspondence from Brock & Scott , PLLC. Brock & Scott , PLLC claims that I owe {$11000.00}, in addition Brock & Scot, PLLC claims that there was a lien placed on my home due to a financial relationship I held with their client XXXX Bank. 
The first violation Brock & Scott , PLLC committed was failing to contact me providing initial correspondence of this debt. Brock & Scott , PLLC failed to notify me of this debt. Brock & Scott , PLLC did not offer me an opportunity to dispute, validate, or litigate in this matter. 

In addition this debt and account violated the statue of limitation, and all records associated with this debt which can impact financial matters should be dissolved. 

In addition Brock & Scott , PLLC is attempting to collect on a debt and fluctuating the amount of the debt by adding interest to the amount they claim I owe. 

Furthermore, any financial relationship I held with XXXX Bank, was discharged in bankruptcy prior to Brock & Scott , PLLC litigation in this matter. Brock & Scott , PLLC has caused me to suffer deeply for their negligence. I am currently in the process of trying to improve my home and other aspect of my life, yet Brock & Scott , PLLC has not only violated federal law, but they have cause pain, suffering, and financial difficulty due to their egregious actions.
I WENT TO MACYS TO BUY SOMETHING, AND I WAS APPROACHED BY A SALES ASSOCIATE. SHE TOLD ME THAT SHE HAS A MACYS STAR PASS FOR 20 % OFF MY PURCHASE AND THAT I NEED TO GIVE HER MY NAME AND SOCIAL. I EXPLAINED TO HER THAT I AM NOT INTERESTED IN A MACYS CREDIT CARD, SHE SAID THAT IT IS NOT FOR A CREDIT CARD. THE SALES ASSOCIATE GAVE ME A MACYS STAR PASS AND I BOUGHT BABY CLOTHES AND A QUILT. A MONTH LATER I GOT A BILL OF A CREDIT CARD FROM MACYS. I HAVE NEVER RECEIVED A MACYS CREDIT CARD AND I WHAT I BOUGHT THAT DAY I PAYED IN CASH AND I USED MY MACYS STAR PASS. NOW MACYS IS SENDING ME BILL RECEIPT STATING THAT I OWE THEM. I WENT TO MACYS TO SPEAK PERSONALLY WITH THE SALES ASSOCIATE WHICH I WAS TREATED VERY BADLY AND I AM STILL DEALING WITH AND STILL BEING BILLED.
Complain against Nation star mortgage. 
They are cruel and do not coopeate, I can pay, but they prefer to forclose the house, because I have equity in the house. So they do not accept my modification process.
Open account with PNC Bank, since beginning have trouble with them, let it go as an error but it did escalate until week of XXXX XXXX, when have to request them to close the account, payments that went okay, were returned with no apparent readon when account was positive. Still dealing with fallout, any help, appreciated it. Sincerely, XXXX XXXX. Thanks.
I received a call from a man stating he was an attorney wanting me to call a number because of a bounced check. I called the number the lady was rude she said I was a liar and I furnished them with a check from XXXX XXXX XXXX I do n't have an account and a pay check stub. and that I could n't file fraud because I did n't have a police report I told her how can I file when I did n't have anything to file. the phone number of this company is XXXX claim number XXXX. I called the federal trade commission and they forwarded me to you. They said they are taking me to court and if I do n't show up I will have to pay triple of what they say I owe
had a mortgage with XXXX starting in XX/XX/XXXX mortgage was an ajustable rate that was sold transferred and according to mortgage scam of XX/XX/XXXX XXXX along several other mortgage lenders were bailed out and were to help borrowers out but never offered borrowers anything except sell from one mortgage company to another .imy mortgage fell under what was called predatory lending .after 9 years of foreclosure threats. my property went up for sale XX/XX/XXXX by caliber home mortgage and was sold for me to stop sale i had to file a chapter XXXX bankruptcy. this case should have never gone to superior court as it was scheduled to be heard again in clerk of court but as usual attorneys for mortgage lender did not appear for hearing 2 days later i recieve notice from attorney for mortgage company case would be heard in superior court under judge XXXX XXXX in that court it was ruled that the sale be allowed .i feel that this was a case where improper illegal situation happened being that every time for the pass 8 yrs clerk of court always stated that attorney for mortgage lender did not have all paper work needed .this is why i am filing this complaint i have documentation that show false information and the documents were forged .so this is why i am asking cfpb to help me stop any action for sale of my property.i would like to be heard in a court of law with a jury how the mortgage lender an attorney and judge worked together to forge documents cheat and swindle home owners out of there property .i also know that these individuals have very powerful connections threw out the world so going forth with this action could possibly put my life and families life in jeopardy so i am asking for help please i need help .yours truly XXXX XXXX
I sent a direct dispute to   XXXX   and it was removed from my credit file. I also sen t one t o  XXXX  and was told it was removed but the company keeps adding it back.  XXXX  gave me your number so that i contact you and let you know that they keep readding the charges.
At XXXX hours on XXXX XX/XX/2019, I called Credit Acceptance and spoke with XXXX. She made contact with XXXX. She turned the call over to XXXX and my counselor, XXXX XXXX and I tried to make a payment of {$100.00}. XXXX repeatedly ignored our request to take a payment of {$100.00} telling us that he needs {$250.00} down payment and payments of {$150.00} per month. My counselor explained that it was not in my budget to do so but he continued to threaten legal action. My counselor asked XXXX if he or anyone else could take my payment of {$100.00} and he said no. He would not take my payment.
I was on deferment with thin long and in the process of being on deferred loan I Fort was applying for XXXX through XXXX XXXX and during this time that the the customer representative told me that I can get on deferred where I can suspend my payment until they decide if I 'm going to get the XXXX or not both companies were aware that I was applying for this during this time while I 'm waiting they put this on my credit I asked him to put this on I asked them to pull the tape so we could listen to the conversation of what the representative told me. I do n't believe that there are true and correct I have went back and forth with them and that 's what the representative told me and they knew that I was in the process of getting a XXXX and the representative told me that everything would be okay and it would not show A payment
Equifax has XXXX XXXX XXXX on my credit file and I don't owe or had any loan or debt with this company and have nor ever received any letter or nothing from this XXXX XXXX
On XXXX, XXXX XXXX Chase Home Finance LLC reported to XXXX  that my Home Equity Line of Credit balance was changed from {$25000.00} to {$0.00}. Though this balance was updated in XX/XX/XXXX the report states that it was updated XX/XX/XXXX. This account had been Charged off XX/XX/XXXX and is now reporting Charged off XX/XX/XXXX. 

On XX/XX/XXXX Chase reported to XXXX  a balance of {$0.00} and that the account was ( Charged off / {$25000.00} written off ) with a status date of XX/XX/XXXX On XX/XX/XXXX Chase Reported to XXXX  a balance of {$25000.00} account with charged off status and Date Closed XX/XX/XXXX On XX/XX/XXXX Chase reported to XXXX  a balance of {$25000.00} and charged off account status. On XX/XX/XXXX Chase reported to XXXX  a balance of {$0.00}. 

When Chase update the report to XXXX  XX/XX/XXXX they updated the balance to {$0.00} they also deleted the date the account was closed. The date closed was reporting XX/XX/XXXX. Now the XXXX  Credit Report is being seen by XXXX  and creditors as being open with a charge off date of XX/XX/XXXX. Though this was charged off XX/XX/XXXX. This also caused my XXXX Score to drop significantly. 

These actions coincided with me applying for a mortgage preapproval XX/XX/XXXX. 

I contacted Chase about this account and told them the account was reporting as open and a newer charge off date of XX/XX/XXXX they said that it is being reported correctly across the reporting agencies. They told me the information must be misinterpreted by a lender if they think the account is open since the account has a charge off status and no payment since XX/XX/XXXX. 

My issue with this explanation is they are aware that the information being reported will be misinterpreted as incorrect. Also with a date of status of XX/XX/XXXX for chargeoff how would any one know that it was actually charged off in XXXX. 

I disputed with transunion about the issue with the date closed being removed along with documentation of the incorrect date being reported for Charge Off Status and they responded that they verified it belongs to me. This leads me to believe that they did not investigate since I never disputed that it wasn't mine. 

My complaint is with XXXX and Chase Home Finance incorrectly reporting. XXXX  and XXXX are not an issue.
I submitted a form on XXXX that espoused free auto loan offers that did not impact my credit score. I only gave them the last four of my social security number. They then proceeded to provide that information, although with my FULL social security number ( no idea where they got that ) to lenders that then pulled hard inquiries on my credit file. I did not authorize the hard inquiries and am now having to chase down the individual lenders to remove the inquiries, as XXXX XXXX says there is nothing they can do now.