WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, on my way to XXXX, XXXX for a graduation trip, my wallet and phone were taken in a gas station. Having these two items pickpocketed without my knowledge led to me losing the duo of my items for a period of about 3 hours. Upon reaching the graduation party, I realized I had lost the items and doubled back as quickly as possible. I retraced these steps and came back to the same gas station and I was lucky enough to receive my wallet and phone seemingly Uncompromised. This didnt last long because I checked my Bank of America account activity and I saw there was a XXXX dollar XXXX transfer from my account to another account that happened between XXXX and XXXX that day. I made sure to call the bank THAT SAME VERY DAY and spoke to a representative named XXXX who assured me that he was on it, and he would file a fraud case. I left the case in his care and hoped everything would work out. I called back in the following Monday only to find out that XXXX had not in fact filed a fraud case, and as a result I had to file a fraud case, close the compromised bank account ( checking ) and also close the connected savings account. This flippant and nonchalant behavior annoyed me, but I trusted that the Bank of America would make good on its {$0.00} liability policy, especially considering the Reg E protections consumers enjoy as stated by the federal government ( https : //www.federalreserve.govXXXX ). I had the case opened and on Friday, XX/XX/XXXX I reached back out to the bank and spoke to a representative in XXXX XXXX who I updated with the police case number that I had. He assured me all was well and that they were doing their best. Again, I reached out to the bank of XX/XX/XXXX, and spoke to a representative who informed me that my fraud claim was successfully processed and I would in fact be receiving my refund on Friday, XX/XX/XXXX. Ecstatic that the bank was helping me correct this fraudulent activity, I left it at that. On XX/XX/XXXX, I called the Bank of America fraud center at around XXXX to inquire about the status of the pending funds, and the representative by the name of XXXX told me that I would receive those funds by the end of the day. By the end of the day, I then called in again, and spoke to a representative named XXXX who told me that my claim had been denied and since the funds were sent with my phone, that I was liable for the fradulent charges. Therefore I would not be getting my money back. Not only does that conflict with all previous messaging, but that also felt like a violation of the protections that I am legally guaranteed. I was hoping that by reporting this activity that I can rectify this case and be restored. I am a XXXX XXXX who can not afford a financial blow of this magnitude. I beg you with everything in me to help me get this fixed. 

I also have the police report number on hand if it could help. XXXX Also, Im my conversation with XXXX, it was made clear that the account the funds were transferred to existed with XXXX XXXX. ( XXXX ) is the account email that the money was XXXX transferred to.
I was XXXX  from XX/XX/XXXX-XX/XX/XXXX. Upon being released I was informed that I was a victim of identity theft. In XX/XX/XXXX I filed a report and had the fraudulent accounts removed. Unfortunately their are still inaccurate items on my report I believe are due to identity theft and the thieves still having access to my identity. I would like these items removed immediately.
for the past 90 days since XX/XX/XXXX i have not received an accurate report of my credit/XXXX XXXX i was placed as an authorize user but still never got an accurate score reflecting me as an authorize user
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

Company : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX Number : XXXX Opened : XXXX : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been asking for an instrument bearing my signature from Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge XXXX or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent certified letters to Financial Credit Networks, demanding that they verify | validate a collection account they are reporting to XXXX, XXXX and XXXX.

In three ( 3 ) separate letters, I disputed that this is not my account. I've demanded that FCN provide me with an application, contract, consent forms or financial responsibility form, bearing my signature, validating that this is my accoun | debt.

FCN, has not provided me with any of the documents that i requested. FCN continues to violate the FCR by not providing me with these documents to validate this collection. FCN continues to report inaccurate information to XXXX, XXXX and XXXX. When XXXX, XXXX and XXXX have requested FCN to verify the debt, they respond to them with verified debt, knowing that they have not verified the debt.
There are XXXX unauthorized credit inquirys that I did not authorize and I would like to have them removed as soon as possiable.
XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
This  XXXX   XXXX  company is not licensed as a payday loan lender in the state of Michigan. I advised them that this was fraudulent and they continue to harass me via telephone. They now have turned this over to  Allied Collection Services lo cated at  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   Neveda   XXXX  Phone  XXXX   XXXX   XXXX . Allied Collections has reported this to the Credit Bureaus as an unpaid account. Allied Collections is in violation of the Fair Credit Reporting Act. They have not attempted to contact me and verify if this is a valid debt. They chose to report directly to the Credit Bureau. This does not belong to me and who would agree to the extremely high interests rates. This is a predatory lending agency and attempts to bully people. They are not licensed to operate as a payday lender in Michigan. I spoke with  XXXX , ID  XXXX  today. This is the first time I spoke with someone from  Allied  Collections and I was th e one ini tiating the call. I explained to  XXXX  the information above as well.
I received a letter from Hunter Warfield ( XXXX collections ) stating I owed {$520.00} on XX/XX/2018. XXXX # XXXX and Hunter Warfield # XXXX. 
I replied asking for validation of debt and explained that the dishwasher had been returned. I sent the confirmation letter from XXXX stating it had been returned. 
I sent a check in the amount of {$66.00} which would cover the amount in full that I would of owed but Hunter Warfield returned my check. 
I do not owe {$520.00}. I do owe {$66.00} but the are refusing to except that payment.
Prosper Marketplace Accountnumber XXXX failed to notify me about reporting derogatory info. to XXXX and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, Prosper Marketplace '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Prosper Marketplace failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the XXXX XXXX Prosper Marketplace is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693 ( Tex.App-San Antonio 1989 reh.den. ) citing Monroe v. Frank 936 S.W.2d 654 ( Tex.App-Dallas 1996 writ dism 'd w.o.j. )
I closed on a refinance on XXXX XXXX The amount of new loan is signed off as {$160000.00} Total closing cost was {$3400.00} Closing cost paid before closing {$10.00} Total payoffs and payments = {$130000.00} Credit card # 1. {$6100.00} Credit card # 2.  {$22000.00} Credit card # 3. {$6100.00} Credit card # 4. {$5500.00} LoanDepot mtg {$99000.00} Total payoff/payments = {$130000.00} Cash to close is signed off as {$21000.00} I only received by wire first {$670000.00} and about a week later {$14000.00} which totals = {$21000.00} I am missing {$430.00} as it is signed off. 
I was sending numerous emails stating the money was short {$430.00} I was then told they paid my property taxes which are as mailed to me {$1000.00} if mailed by XXXX XXXX. Then Loan Depot told me they increased my property tax payment by 10 % as they can do that they stated? 
Why is that? And what does that have to do with money missing on signed off loan? As my Mortage company Loan Depot is also my escrow agent, can they do that? And what about the extra principal $ $ $ I have been paying on old loan?
My mortgage was sold to Specialized Loan Servicing late last year. I signed closing documents yesterday to refinance the mortgage. One reason I refinanced was to get away from this company. I had grave concerns about it from reading reviews on XXXX. And now I fear I 've become a victim. 

I just read the HUD-1 closing statement line by line ( which I unfortunately did not do before signing it yesterday ) and in the payoff information, XXXX claimed a " late charge balance '' of {$150.00} when in fact, my transaction history with SLS shows NO late charges, ever. They also have charged me XXXX separate {$25.00} fees just to provide the payoff information to the new bank. 

The payoff also includes " 5 extra days '' of interest beyond the date the loan will be funded. I do n't know if this is legal or not. 

Someone needs to investigate and put a stop to this blatant fraud. I fear I may be stuck paying the bogus charge because I signed the document yesterday before noticing the charge, because the new bank has told me that I have to " take it up with them ''.
On XX/XX/XXXX I was given a cashier 's check by a potential customer for {$2200.00}. This amount was {$1400.00} more than my asking price of {$850.00}. I contacted the customer and inquired about the over payment. They said that this cost was to cover shipping from Los Angeles to New York. I told them that I didn't want to coordinate any shipping and that I would happily refund that portion of the payment as soon as their cashier 's check cleared in a couple of days. On XX/XX/XXXX, I logged into my account and noticed that the cashier 's check had cleared so I felt comfortable in refunding the {$1400.00}. The customer then contacted me upset about how I was withholding their money and no longer wanted to do business with me and asked for a full refund. This all seemed suspicious so I did not refund their money in full and instead contacted my bank about this check because I noticed a small error message next to it when I would log into my online banking account. The bank notified me that the check was a fraud check and that my account was going to be frozen and that they would be taking back the total check amount since it turned out to be fraudulent. My bank is holding me accountable for the {$1400.00} I paid this individual. I only paid this scam artist back the over payment in the first place because their check cleared.
Speedy cash offered me a loan of XXXX then took XXXX from me and when I wanted to cancel loan thru charged me another XXXX they scanned me I never recieved my loan.
I attended XXXX XXXX XXXX XXXX XXXX in XXXX. I took out a {$15000.00} loan with Sallie Mae ( now Navient ). I have been making payments since XXXX averaging at about {$180.00} a month. Because the interest rate is so high on them ( it's broken up into 2 loans ) essentially all of my nearly {$20000.00} have gone towards interest. I have never missed a payment and am always on time, even though looking through the statements I saw they charged me late fees and that is inaccurate. Last year I noticed they stopped charging me. I still made payments hoping it would go straight towards the principle. Turns out it was going mostly to interest. I received an email saying they were going through a lawsuit and figured that was the reason they stopped charging me so I stopped paying it. Now I just found out that my " forbearance '' is ending in 21 days. I never asked for a forbearance. And because I wasn't making payments, my interest rate shot up even more. Accumulatively it is at 23 %. In the past I had called and tried to lower my monthly payments and they denied it. That is the extent of what I've done to pay less on my loan. I know that the lawsuit had to do with cases such as this, where they were doing shady things without people knowing and I am one of them. I have contacted them about it and they said they are " looking into it ''. I don't expect them to do anything seeing as how they are thieves. I need something to be done about this. I shouldn't have to pay higher interest rates because of something they unknowingly did to me. I honestly would like to refinance my loan and get the interest lowered as much as possible ( nothing over 6 % ). Also it's completely unfair that I can't claim this on my taxes because of the type of loan it is. This is ridiculous and something needs to be done.
Calvery Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX My credit report shows a credit account not paid opened in XX/XX/XXXX of XXXX for {$1000.00} from some XXXX XXXX XXXX. I have not opened any credit accounts in XXXX and XXXX XXXX XXXX already shows up from XXXX after I became unable to work. I called the XXXX number above and she stated I would have to talk to their lawyers and would give me no information I believe they may be trying to collect a debt another company or sister company is already reporting and Im trying to get to the bottom of this.
Two accounts are showing on my credit report, for one company and one delinquent account which I have. The account in question, deals with XXXX XXXX XXXX. I've only had one defaulted credit card with them. However, its showing up as a " Factoring Company '' in Closed/Delinquent status with Portfolio Recovery Associates for the amount of XXXX. Factoring companies are for the collection of a debt that is in active status and hasn't been turned over to collections. I haven't been able to dispute these two accounts as the same account, can only do them individually. Portfolio Recovery Associates has never responded to a dispute, it has been pending since XX/XX/XXXX when I submitted my dispute and it is now XX/XX/XXXX. The other account is with The Bureau 's Incorporated, again listed as a collection Agency in XXXX IL, for XXXX XXXX XXXX in the amount of XXXX You will notice that the amount for Portfolio is  exactly double the amount for The Bureaus. I would like the original debt Validated, and for ONE collection agency to report. Double reporting is a violation, as well as a factoring company to report unless the account is active and not in collections. How do I get both of these accounts looked at as one and anything pertaining to XXXX XXXX be listed one time.
Wells Fargo is in violation of RESPA guidelines and in violation of CA HBOR. This dispute is being filed to establish a paper trail of these  violations for litigation purposes. 

1. RESPA requires lenders and servicers who receive a modification package to acknowledge receipt of that package within 5 days and provide an answer to that request within 30 days. Wells Fargo has received a complete package yet has established delay department referred to as a re entry department which has made Wells Fargo violate RESPA guidelines. The package was submitted on XX/XX/18. As of today XX/XX/18 we have been advised the re entry department is unnecessarily holding up the file for erroneous reasons. This is not acceptable 2. Wells Fargo re entry department states their mission is to determine whether a person can apply for a loss mitigation option based on previous attempts. CA HBOR removed the provision this year that allowed lenders and servicers to deny borrowers loss mitigation review based on previous reviews. Therefore this is an illegal practice by Wells Fargo and it must Cease and Desist that practice in CA.
My home is listed with a realtor to for a short sale in lieu of foreclosure. I listed the home XX/XX/2014. I moved out XX/XX/2014. Caliber bought my mortgage after I moved out. They have set a foreclosure hearing to avoid my " cash for keys '' RESPA settlement. Can they do this to me? 
Thank you. Please : this is not a " Duplicate '' request. 
Numerous offers have been made to buy my home.
My mortgage payment went up {$88.00} last year. This year it has gone up an additional {$430.00}. I ca n't understand how I 'm expected to pay {$1400.00} a month, when we bought our home knowing our payment was {$910.00} a month. I have read the explanation on nationstars ' website about the escrow amount going up. Still I can not fathom paying an additional {$430.00} a month. With the company making this change, our best bet to survive as a family will probably have to be to sell our home as we will not be able to make the payment of a nearly 50 % increase on our mortgage.
It would take more than this small box to be able to explain the scam and unethical stuff I have experience from XXXX XXXX. The list is long but the biggest XXXX was in XXXX when they contacted me because I was in deferment and it had ended and I was still unemployed, they solicited me to consolidate my loan. But only XXXX4 month later Laws changes and I was given the opportunity to pay off my loan from other lenders willing to offer a 3.9 % loan plus the chance to get away from this scammer that for 4 years where adding all king of fees late fees and so many others that it did n't matter what I paid my debt would grow faster than I was paying. So this would have got me done with them and not have to deal with these scumbags thieves. Well com to find out when the New lender ask me for my Social and look he told sorry looks like you consolidated about 3 months back and you are lock in we can help you. What the XXXX. The way I see it now they used there inside knowledge being part of the government back then and just like inside trading knew this was coming so they XXXX me by consolidated my loans. At no time did they ever mention that this was going to keep me in the debt prison and stuck for life with the worst servicer. And I know cause I delt with is since XXXX XXXX and they were cheating us by doing all kind of illegal stuff
Seterus can not seem to calculate the escrow payment properly. The escrow balance is {$500.00} to {$700.00} short each year. They want me to pay a lump sum rather than charge the proper amount. An alternate to paying the lump sum, they add the shortage to my principle balance spread out three years. This causes my principle to decrease at a snails pace. I called last year and advised them the " new '' escrow was not enough to cover the year without going less than the XXXX and even it goes negative XXXX or three times during the year. They have to borrow from somewhere to pay the county taxes or hazard insurance and the person I talked to seemed to think that was OK.
In XX/XX/XXXX XXXX XXXX XXXX provided me with documents that do not reflect the debt amount they are trying to collect The XX/XX/XXXX statement clearly shows a different amount than they have placed on my credit report and are trying to collect for. The last XXXX XXXX statement was XX/XX/XXXX because the account was charged off in XX/XX/XXXX.
i have been working with Chase bank on short sale packets for over three years. In the last 9 months I have submitted all the paperwork they need ( which is a huge amount of information ) at least XXXX times. Each time they have me change an item and resign and resubmit or if they do n't get to the packet within a certain amount of time I have to resubmit everything with updated pay stubs. They have also assigned my case to about XXXX different people and each time those new people want more or different information. I believe they are stalling or dragging this process out for some reason. I am XXXX and it makes it very hard to deal with this because of different time zones.
I was denied a card when should of gotten approved. The lady at capital one told me on the phone that I should get approved and they do n't do a hard credit check