WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX I was reaching how to purchase a home with a lower credit score. Mortgage Lenders of America reached out to me spoke with a lady named XXXX XXXX. I gave her consent to review my credit and see what I had to do to get a home loan. She reviewed all my information and told me with my current income and what was on my report I would be able to get a home loan for roughly {$130000.00} after I did some repairs and cleaned up my credit a little bit. She referred me to a Law Firm who they are partnered with that will help me through this process. I spoke with the XXXX XXXX XXXX and was advised it would cost me {$1400.00} to get my credit where it needed to be. The goal was a XXXX-credit sore to qualify for the FHA loan. I spent many months working on getting my credit where it needed to be following all the direction given by the Lawyer and paid the balance to them in full. On XX/XX/XXXX I received an email from XXXX XXXX giving me the good news of a preapproval of {$80000.00}. I felt so relieved that I did it I was able to boost my credit up and finally get the stratification of buying my own home. While searching for a home I was then notified by the realtor agent I was working with that I did not qualify and need to touch base with the lender. When I reached out it was now XXXX XXXX I was working with because XXXX XXXX no longer works there. 
XXXX reply to me was Again, I apologize which is why I am glad I reviewed the file again before you went under contract. Yes FHA requires that we use 1 % as the payment even though you are paying significantly less. If your credit score was higher at least a XXXX you could do a conventional loan. Those guidelines are different and will allow us to count the payment that reports on your credit report. The best and most immediate option would be to build your credit, so you can go conventional. It will also require a 5 % down payment. 
After this was stated to me I was very upset because of the mislead information and straight out lying to me to believe something they could never provide to me since day one. When initially XXXX XXXX pulled my credit, she would have seen that I had a student loan. I should have never been told I could qualify for something and tell me to reach a credit score, once I did what was asked they approved me then turned around and pretty much told me oh Im sorry we screwed up my bad. This is unacceptable for a business to conduct business like this. I reached out to XXXX explain this frustration and asked to speak with a supervisor to address my concern of how un professional this whole process was. I have not received an email or any notification from them.
In 2012 I took a car loan of {$18000.00} with Santander Bank after 4 years I still own {$15000.00}. I made XXXX payments of {$450.00} a moth and all my payments goes to XXXX.
First Point Collections Resources, Inc contacted me in XXXX 2015 regarding a debt I fully dispute. I notified them in writing on XXXX XXXX, 2015 that I disputed the debt, that I would never under any circumstances pay the debt, and to never contact me again. Since that debt First Point has made repeated telephone calls to my home regarding this debt, including one tonight ( XX/XX/XXXX ) at XXXX. These constant phone calls are harassment, and I want them to stop immediately.
Iv'e been trying to get a loan mod since XX/XX/XXXX thru XXXX ( XX/XX/XXXX ) who assumed from XXXX ( XX/XX/XXXX ) & servicers afterwards ; XXXX & Nationstar , who all decline me on different reasons. Recently I discovered evidence of appraisal fraud when I bought home in which loan Originator XXXX Rep inflated value by $ XXXX which resulted in me overpaying & now facing Foreclosure auction in weeks.
Called American Express, tel. XXXX. Paying off this closed account. 
Over telephone chose payment of entire amount due. Paid what was quoted ontheir electronic payment center as amount due. Got billed again an interest chargeof {$5.00} even though the machine informed I was paying off the entire amount. Spoke with a representative named XXXX. He said I had to pay this, could not be waived. I told him I wanted to appeal, said I could not appeal. This is a recurring monthly interest charge that should not be charged. The account was closed. The entire amount was paid off, why is there a recurring interest charge being billed. This is fraud. Want a refund of my {$5.00} that I had to pay.
I have tried to talk to Debt collectors and get this resolved for the past 3 years with no luck. They are not willing to discuss or negotiate with me about the debt in question. I do not feel that I owe anything because the company who placed the debt broke our contract first by their actions in maintaining a safe environment for the tenants. I have also disputed this account with all the credit agencies again with no luck. This collection is ruining my chances or renting a house as well as purchase a home. I need help
XXXX is illegally reporting on my credit, which is negatively affecting my credit score. Please help me enforce my credit right and remove this illegally reported account from my credit report.
I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX{$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX  {$1100.00} XX/XX/XXXXXXXX XXXX   {$800.00} XX/XX/XXXX AFNI {$590.00}XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00}XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX{$0.00} balance
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX INAlert Date : XXXX : EQUIFAXCompany : XXXX XXXX XXXX INPayment Status : UNPAID ( UNPAID ) Status Date : XXXX : $ XXXX Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXX XXXX therefore needs to be re-investigated. 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. 

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.
Chase Card has " charged-off '' my balance for purchases that were committed under fraud by the managing member of the business we sold to him on XX/XX/XXXX. On XX/XX/XXXX our card had a zero balance. After the sale, this individual made purchases on this account from XX/XX/XXXX through XX/XX/XXXX and accumulated late fees and interest charges on this until Chase just " charged-off '' the {$1300.00} balance and it is reported on my personal guarantee. All of the credit card statements were going to the buyer of my business and Chase Card never notified me prior to the " charge-off ''. I noticed the problem on the XXXX website on XX/XX/XXXX. I spent well over an hour on XX/XX/XXXX & XX/XX/XXXX phone calls with Chase Card but they continued to tell me that they can not provide me with any details due to their information policies. Since this was on my personal guarantee, I should be supplied with all attempts to collect on this account from the buyer of he business and any other pertinent details. The Chase representatives forwarded me to their Corporate Card Charge-off Resolution & Credit Bureau Specialist. That just allowed me to waste more time on hold and talking to people who could not give me a single detail about my situation.
I received my order and someone else had bought the same item as a gift, so right away returned that item from my order, they would n't exchange or credit it and it was in perfect new condition, they said it was opened but it was NOT opened. I tried repeatedly to work with them but they kept the merchandise I returned ; and still would n't credit the account. I told them I would pay for only what I owe and they sent a bill that was n't up to date so I called them again after several prior attempts but they refused to work with me. Now after they ruined my credit I told them if they agree to take it off I will pay the amount that I owe but they still refused ... .not sure what else I am supposed to do. Its not right to expect me to pay for an item I do n't want and returned.
Since XX/XX/XXXX I have been attempting to access an online account through Transunion to be able to freeze/unfreeze my credit report and other tools but I am being told online that my account is locked. I spent over an hour on XX/XX/XXXX, an hour on XX/XX/XXXX, half an hour on XX/XX/XXXX, and about half an hour today ( XX/XX/XXXX ). I was told my account would be fixed but as of today it is still locked. When I spoke to a supervisor today I was told my account is locked permanently and there is no way for them to ever unlock it and if I need help with anything regarding my account I have to call them, which is a huge inconvenience.
I have a loan being serviced by Specialized Loan Servicing. They have caused me innumerable problems, but I will be focusing on just one here.

Sometime during the summer of 2018, SLS send me a form letter informing me that they believed my home was " vacant '. I replied with the proper paperwork informing SLS that my home was indeed being occupied and they had the wrong/incorrect home/address. They started charging me XXXX XXXX " fees '' and other " fees '' for the unoccupied home. I was told, by a supervisor at SLS to contact " XXXX XXXX '' as they were the subcontractor that oversees this type of thing. I called XXXX and spoke with a woman who I can't recall her name., but she verified that my home had been " misidentified '' and that she would start the process of clearing it up. Meanwhile, I spoke with MULTIPLE supervisor at SLS who were antagonistic and hostile toward me suggesting that I was lying about said situation. Not surprised as SLS is a criminal enterprise, but I digress. I finally, after MONTHS, got a supervisor to assist me in this. His name is XXXX. He promised that he wouldn't kick the can down the road, but he did. I reached out to SLS executive XXXX XXXX multiple times to address the issue with NO response. They have been charging my account every month $ XXXX. I need someone to get to the bottom of this. Tired of being ripped off by this corrupt and criminal company.
BANK OF AMERICA 's Refusal to handle/disclose of information account # XXXX : 1. Any copy Default letter sent to homeowner regarding Loan account # XXXX from to XX/XX/XXXX to XX/XX/XXXX, during its servicing. 
2. Date and copy the Bank Endorsement issued by XXXX XXXX to the new Trust o Note Holder. 

I will apreciate your cooperation in this matter.
I received a call on XXXX XXXX, 2015 at XXXX from a " process server '' working for XXXX on case number XXXX who said she has suit papers for me. She said that I needed to call XXXX with the case number. The representative stated I am being sued on a debt that 's over XXXX years old. When told the debt is " time barred, '' he stated the debt was re-aged and I could be sued for the debt. He also said I must pay up or take my chances in court. In fact, the debt is so old, it 's not even on my credit anymore, which they assure me will change.
I was ordering some gum online and was paying with PayPal which is set up to my bank account. It signed me up for some type of credit and made an unauthorized inquiry on my credit file. I know this because I received an email.
We pay into a loan servicing company LoanCare We have an escrow account and at the end of 2017 -- we had paid into the escrow {$6600.00}. The disbursements were {$3800.00} which left us with an ending balance of {$2800.00}.

We have tried on multiple occasions to contact LoanCare and can not seem to get anyone on the phone to explain why they haven't returned the ending balance to us. There is an option to leave a call back # which we've also tried and again, no one returns the call.
Dear CFPB : I found this inscrutable notation on my credit report -- ENHANCED RECOVERY COMPAN # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for XX/XX/XXXX Balance : {$190.00} Pay Status : >In Collection< Page 2 of 13 collection : Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Date Updated : XX/XX/XXXX Original Amount : {$190.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX Now, there are three things wrong with this collection agency 's attempt to place this on XXXX, XXXX and XXXX -- all three bureaus. First, they are admitting on their own report that whatever creditor they purport to represent only dealt with my " agency or attorney '' -- in short I've never signed a " charter communications '' contract in my life in my personal capacity. Second, I have never lived in Florida, which is maybe where this creditor is from -- at least where the collection agency is from. Third, the amount in question will disappear from my credit in XXXX, which means that it dated from five years ago back in XXXX, and it just now is popping up on my credit, which is highly suspicious. As a bonus problem, the amount is {$190.00}, which of course would be much more than any month of a cable bill..if that's what this at least five year old reported item is in fact representing. Bottom line, I have nothing to do with XXXX XXXX nor this Collection Agency out of Florida and this report is fraudulent. 
Sincerely, XXXX XXXX
We started a refinance process with Nationstar Mortgage in XXXX of 2015. They jnformed is that we had to get approval and then we had to go through a trial period until they would complete the paperwork. During our trial period we would report as late but as soon as the refinance went through, it would be XXXX out as long as the trial period payments were made on time. It took over a month but finally we were approved for our trial payment. We made our payments on time. We still recived collection calls that after a few minutes the lightbulb would go off and they would appologize for calling. We wathed our credit score drop even further during this trial but just hoped that the refinance would be quick. Finally 3 months were up. It took us trying to call several times to find out the next steps. Finally they said paperwork was being sent out. A week passed and we never received it, another several calls were placed. Finally someone called us back saying that the paperwork was mailed but that they would email it. A few days after we recieved the email, the overnight package with the paperwork arrived on our door. We scrounged up our witnesses and put time we didnt have ( XXXX ) and went to a bank were they could notorize the paperwork. Paperwork was sent back through fax. We waited several weeks and finally tried to get in contact with them again, several messages later we finally recieved a callback and found out there was a document missing, we refaxed it. Something was still wrong. We had to start over, We took more time out, had witnesses take time out of their day and start the process over, that was XXXX XXXX. We XXXX the paperwork back to them, with the holidays and all the craziness of having XXXX, time got away from me but I really thought our paperwork had gone through. XX/XX/XXXX I review my credit report and it shows me 8 months past due with Nationstar, several were 120 days. I sumitted a claim to dispute which they fought. Tried several times to call again, once being hung up on because they were having system issues. Finally got ahold of someone and was told that once again something wasnt right about our paperwork and it had to be redone and that is why I was still reflecting so far past due ( even though I have continued to make my payments on time every month ). Today I recieced notice that one of my credit cards was being cancelled because of newly serious delinquency. The only account showing deliquent is Nationstar. i want all negative credit marks removed now and I dint want any additional work from us to complete the refinance on our mortgage. This has gone on long enough and our credit and time has been effected enough.
There's accounts on my report inwhich I have no knowledge of, however the credit agencies are constantly reporting information inwhich is not backed up by any type of physical documentation and if so still wasn't provided to me by either reporting agency. This is indirect opposition to the language of the FCRA, it clearly states that if you can not provide this information in physical form then you must STOP reporting it, XXXX, Experian and XXXX. And the account in question is XXXX XXXX XXXX and all Inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
This is a fraudulent account and it needs to be deleted immediately from all XXXX major credit reporting agencies immediately. I have attached a copy of where XXXX deleted this fraudulent account from my credit report. I am requesting for IC System to delete this account from XXXX and XXXX  immediately.
XXXX  shipped a partial order. They STOLE MY MONEY.  Wells Fargo  refused to protect my purchase and told me due to their  XXXX  agreement this was fully allowed.     I WAS FORCED TO COME TO THE BANK  XXXX   XXXX  ON  XXXX / XXXX / 2017 . Help refused and they kept telling me it was n't their problem it was the fraud departments fault.     I called the fraud department for THIRTY MINUTES AND WAS REFUSED TO BE ALLOWED TO SPEAK WITHA SUPERVISOR.     JUST WAIT. We 'll send you a letter.
In light of the XXXX breach, I am trying to place a freeze on all credit reports. 
Experian is making this impossible. 
I have tried to access the website/link to do this on their website, but they took the link down. I also tried to call the company, but they are saying there is excessive wait times and I can not reach a person. 
Instead of allowing me to place a freeze on my credit report, they are offering me paid " alert '' services at prices of $ XXXX {$20.00} per month. 
They are trying to take advantage of the situation, and are doing something illegal by not allowing me to place a freeze on my credit report.
XXXX2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Acct # XXXX ( XXXX XXXX XXXX XXXX ) To Whom It May Concern : This a letter I'm sending you regarding a negative inaccurate account or accounts on my credit reports, which you claim I owe {$7500.00} TO your company. This is a formal notice that your erroneous claimS ARE now disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay YOU, GRANT & WEBBER, NOT SIGNATURES FROM XXXX XXXX XXXX XXXX. I am asking for proof of the original contract between myself and the original creditor with my true signature on it and the signature of a qualified employee of that original creditor. I want proof YOU have the full accounting of the original debt and I am asking YOU to provide proof of the assignment or the purchase you made from the original creditor. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification.

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof.

Please also be aware that any negative mark found on my credit reports including ( XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

THANK YOU, My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX
ten years ago took out a second loan on my house filed bankrupcy 3 yra later tryed to refie wes told didnt owe second stoped paying it. six mounths later was sent late notice i now spent 2 years trying to find out if i realy owed it
The company put a garnishment on my payroll.I wasnt informed about it until two days before.Legally I have a right to revoke the garnishment, but the garnishment department is telling me othereise. The garnishment started XX/XX/2018..I got letter in mail on the XXXX ... I didn't sign a garnishment wage form..