WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I started business with AmCap LTD out of XXXX Tenn. XXXX XXXX was my  representative. On XXXX XXXX, XXXX, after going through the loan process and being told we were good to go and jumping through every hoop they required we were told they no longer can do my loan due to the company pulling their licenses in MD, DC  and Va. Closing was supposed to be on the XXXX. I was told this after an FHA inspector, cost of {$580.00}, that AmCap contracted and I paid was sent to the house we were buying and told us everything was ok and we did a pre-occupancy agreement and had to put money down to the seller to move in before closing. Now after discovery, we found the house has mold and an oil tank in the basement and are being told to vacate after only 18 days of residing in the house and after the seller taking XXXX of my money that was supposed to be sourced as down payment. My wife is XXXX and all parties knew of this. I do n't understand how a mortgage company can get so close to closing and all of the sudden say they ca n't complete the process because of licensing.
Flagship Credit Acceptance has cashed a vehicle warranty cancellation check which they should have sent to me months ago. I have been calling almost three months to get results along with my dealership who ran into walls trying got deal with them. I have encountered customer service reps who constantly hang up on me and give me no help. They advised me that it takes over a month to research a check. Which they claimed that they have mailed out before but they had the wrong address. If that would have beneath case the postman would have put it in the correct box since I have been in the same complex for 5 years. The managers are nonexistent I have spoke to several who have no clue of the process of researching a check. My loan is paid off so I do not understand why it is taking so long and they have confirmed that they have the check.
On XX/XX/2018, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX dealership to apply for a car loan. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. Then he called me on XX/XX/XXXX and said that the bank made a mistake and I would have to put down {$20000.00} instead of {$10000.00} for them to reapprove the loan. And the XXXX inquiry on XX/XX/XXXX is not valid and should be removed. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX  XXXX XXXX obtained a copy of your EXPERIAN Credit Report. 
XX/XX/2018 XXXX XXXX XXXX obtained a copy of your EXPERIAN Credit Report. 
XX/XX/2018 2018
I submitted a complaint on XX/XX/2018 to the CFPB regarding XXXX XXXX failing to validate a debt that they have been reporting to Transunion. This XXXX XXXX account was removed from other credit reports due to not being validated. I would like to know why Transunion is still reporting this debt even though XXXX XXXX has failed to supply any validation of debt to me within the allotted time after my written request? XXXX XXXX also failed to respond to the CFPB complaint and provide the requested validation within the allotted time period. I would like to know how then is Transunion verifying information that XXXX XXXX themselves, and no other Credit bureau has been able to validate? They have not provided me with any documents to suggest they have investigated or validated any information from XXXX XXXX. They just keep sending the same generic response letters to the CFPB complaint and putting the account in an endless rotation of false investigations. Only to reply with another generic response that the company XXXX XXXX has verified that the information is accurate. Transunion has also handled my debt validation requests with XXXX XXXX in the same manner. XXXX XXXX like XXXX XXXX has failed to provide me with any documentation that is signed by me or includes any of my personal information such as social or state DL number. I have also submitted a complaint on XXXX XXXX through CFPB. They have failed to respond to that complaint as well. So again the same scenario that instead of truly investigating the errors on my report Transunion is just replying with a generic standard reply and not validating the debt at all.
RE : M and T Mortgage Loan # XXXX M & T bank has persistently misrepresented the fact around the late payment that was reported to the credit agencies in XX/XX/XXXX. After repeated attempts to correct the issue they refuse to see the facts.

The mortgage was started in XX/XX/XXXX as a FHA XXXX   Construction loan. The loan as agreed by the originator was to include 4 month of payments in escrow in addition to the construction funds and taxes which is a very normal, standard, and common arrangement in the XXXX loan process. 
The house was under construction and not receiving regular mail as M and T would be kneadable of during a major renovation. In XXXX I received a Tax bill from the town that showed a balance due. On XXXX XXXX as you can see in the phone records below I call M and T and asked them why I received this bill and asked them is the money for the taxes and the mortgage coming out of escrow as agreed. I was assured that the money was there, and the bills would be paid. I NEVER heard back from M and T and the XXXX tax bill was indeed paid but they were not paying my mortgage from the construction funds AS I WAS INFORMED ON THE PHONE. In fact you will see that I called them again on XX/XX/XXXX and no mention of this outstanding balance was made. It was not until I learned of the 30 day late from the credit agencies that I contact them to find out what had happened and immediately paid what they said was owed and have been trying to get them to fix the error on the reporting since. 
I NEVER Received a single call in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXXstating that there was a pas due amount. Please see my phone records below, not a single incoming call from M and T. 
In a previous attempt to get them to correct this they sent documents and stated, here is what was due. Sending me documents 4 month after the fact does not constitute notice of payment due. M and T can send me all the documents they want now but it does not change the fact they NEVER contacted me to let me know that what THEIR representative misinformed me on the phone in the XX/XX/XXXX call. Additional M and T keep detailed phone records and can offer no proof that they did so and can offer no proof that I RECIVED anything from them nor attempted to contact me. It is unacceptable to mail me documents after the fact and claim I knew. I called to confirm that the money was in escrow and they confirmed this in the XX/XX/XXXX call, any claim or statement to contrary is a misrepresentation of the truth. M and T can provide no proof that after the XX/XX/XXXX call that they in any way attempted to contact me. If they say they mailed me documents, they must provide proof of receipt as no documents were received. If they say they called me after the XX/XX/XXXX call they must provide proof of the call. 
M and T needs to do the right thing and remove the 30 days late immediately with all 3 reporting agencies.
When we took out our mortgage, I did NOT want to deal with someone remote, so I took it out locally at XXXX mortgage. They were then acquired by XXXX when XXXX bought XXXX. XXXX then sold all XXXX mortgages to NationStar Mortgage ( who is clearly a con company ). So even though I specifically only wanted a local company, now I am dealing with a shady company that is XXXX of miles away. 

We recently went through major hail damage. I received a check from my insurance company ( XXXX ) and as per the norm, my mortgage lender has to endorse the check. We have damaged shingles, and I needed to get my roof done ASAP to keep from further damage. When I received the check, I overnighted it to the address they had on their website. That was 3 1/2 weeks ago. 

They have done EVERYTHING in their power to sit on that money. They claimed we mailed to the wrong address ( even though I mailed to the address on their website ). They claimed they lost the check. They claimed they had to mail it from their XXXX office to their XXXX office. They then claimed they had to determine the validity of my claim, and needed insurance paperwork, and proof that I was repairing the damage, on, and on, and on. 

Today, we got a new excuse. ( remember, one of the lies was that it was being mailed from XXXX to XXXX ). Today, they said that the check was cashed in XXXX and has been sitting in a savings account there for 3 weeks, and now they have to wire the money from XXXX to XXXX so they can issue me a check. 

CLEARLY this is fraud. They have lied to me several times, further compounding the fraud. They are CLEARLY doing this just so they can collect interest off of my loss. This is despicable and immoral, and really should be illegal. Why are they allowed to collect interest on money that is NOT theirs. And they are doing this by overtly lying to me, and delaying me. 

I have since had my roof repaired, and I have to keep passing these lies to the contractor, because I do n't have the money to pay him. Now, he is starting to accuse me of trying to con him, because he also sees that the lies do not add up. What happens if he fines me? What happens if he files a lien on my home? All of this because this mortgage company is so XXXX greedy that they have to sit on my insurance money so they can collect XXXX $ in interest? 

This type of practice CAN NOT be allowed to continue, because this is truly taking advantage of home owners in a tight spot.
After the XXXX of my father I received through title my dad 's home and it had a reverse mortgage the company I dealt with never fully explained the process. I have applied to the sameCompany twice for reverse mortgage once approved then secondly told that if I did not have a bridge amount of {$XXXX} I could not close the loan. Likewise I found a XXXX XXXX bankruptcy in this XXXX XXXX of Ohio and the company keeps coming up with objections because the original reverse mortgage was not my debt but that of my fathers. My bankruptcy attorney is working diligently to come up with some pleas ... but the reverse mortgage holder refuses to even consider any bargains so it looks like foreclosure is in my near future are there any laws they can help me obtain my dad 's reverse mortgage. Even with a XXXX XXXX bankruptcy I could pay off the debt is 5 years at 100 % it 's unheard of with this company and I need help thanks for your time and effort.
I have a current auto loan with XXXX, which i pay every month and still own vehicle, Equifax keeps putting the loan into a closed status with an outstanding balance on my credit report after several dispute attempts, their response is that is the information they received from XXXX, I called XXXX and they never reported account closed, which XXXX and XXXX show the correct account information on my reports with them, Thanks for any assistance with this matter.
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I submitted information to Equifax and they still have not removed these items, These accounts were opened with out my knowledge I made a police report with my local police department and they have still not deleted these accounts for XXXX  XXXX XXXX :XXXX XXXX XXXX XXXX :XXXX
We are a XXXX ( XXXX per year ) and we banked with Comerica for four years. We found them to be very self-serving and not honest. We had enough of their Trumpian ways and have found a smaller community bank to handle our precious money. We will go out of our way to pass the word through online reviews that this bank is not a good choice for honest people.
I made a purchase from XXXX via PayPal.com for {$120.00} for some weights. When I tried to return the items, XXXX would not allow the return. They referenced their return policy and said my return was not within their time window. I responded that my return clear was within their time window. They denied the return multiple times and would not clarify the reason other than the general reference to their policy. When speaking or chatting with an individual, they would agree with my reason for a return and promise to send a return label. Then each time I would receive and email denying my return. This was a conspiracy by multiple employee within XXXX to violate their own policy and deny my return. 

I filed a claim with PayPal.com to refund my purchase. PayPal then engaged in a conspiracy with XXXX to deny my claim. They did not provide any response or rational from XXXX in denying my claim. They asked irrelevant questions, such as " why do you want to return the item '', and used the answer as a basis for denying my claim. PayPal.com policy does not discriminate on the reasons for returns. PayPal.com, in conspiracy with XXXX, violated their own policy in denying my claim. 

PayPal.com then charged and additional {$120.00} to my PayPal.com account. This charge was unauthorized and fraudulent on the part of PayPal.com and likely a criminal act. This additional charge was in violation of PayPal.com policy and was outside the scope of my original claim. I was asked for a refund ; how can I possibly incur additional charges? 

Again, this points to PayPal 's conspiracy with XXXX to deny my claim despite both XXXX and PayPal policies affirming 1 ) my right to return the item and 2 ) my right to receive a refund for returning the item. 

I am disputing {$250.00} in charges for a {$120.00} returned product. I am also asking for a criminal investigation into XXXX and PayPal.com practices. 

I should note that PayPal has refused to speak with me when I have called in. I have been put on multiple terminal holds. They have refused to clarify or provide justifications or reasons for their multiple denials.
XX/XX/XXXX XXXX XXXX XXXX. 

Frequent calls, usually 10-15 per day from numbers that were all different. The call back number they left me on a written letter was a number for a " you just won a {$100.00} XXXX XXXX gift card '' number. ( XXXX ) They are claiming to be collecting a debt from XXXX which I have researched both XXXX and this collection agency and the collection agency has multiple cases filed with the BBB as a scam. They are also affecting my credit score with XXXX as this is not the first time they have called me or sent me mail. They often call after well before buisness hours with the latest call being at XXXX XXXX. 
The amount they are attempting to collect is {$2800.00} and stated on the letter sent in the mail via USPS that the amount was due in full by XXXX XXXX 2017. Also the address the document attached below was sent to is not my address.
I have XXXX reports with my name incorrect and a home address that includes an " Apartment Number '' although it is a single family home. 
XXXX shows me owning a home and having a mortgage, and other information incorrect in my IDENTIFICATION VERIFICATION.
Conns continually sends me notices stating that, due to my stellar payment history, they are increasing my credit line by anywhere from {$1000.00} to {$2500.00}. When I try to act on the notice by attempting to purchase a new appliance I am then either denied or given a much lower increase of approximately {$250.00}. Most recently a sales rep from a Conns store texted me telling me I had been approved for a {$2700.00} credit line increase and asked me if I was interested in purchasing anything. I told him I wanted a new refrigerator and the purchase process was begun. A day later I received a phone call from a very frustrated salesperson stating that he could not get the purchase approved and he could not tell me why nor did he understand why and told me that he felt like this was false advertising on Conns part. He acknowledged that I had a perfect payment history with the company and he was bewildered as to why the purchase was not approved nor could he get a satisfactory answer from the credit department as to why. These applications to purchase result in a hard hit to my credit file and I do feel that Conns is misrepresenting themselves and their offers for credit. I would like to make a purchase but at this point I am more interested in stopping the fraudulent advertising and fraudulent offers of credit as an attempt to get customers in to the store and, when they are denied, refer them to their Acceptance Now Program, which is a rent-to-own program at exorbitant interest rates. It is clearly a scam to try to get this other, fairly new, program off the ground. Please help. 

XXXX
I have reached out to the company numerous times and went to the credit agency for further investigation with no help. 
XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX, XXXX Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX XXXX with whom I apparently owe {$9500.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018that I have repeatedly made these offers. XXXX XXXX XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX XXXX and a third-party repossession company with whom I have no contractual relationship. They are third party interlopers and have no knowledge of the matter between myself and the XXXX XXXX XXXX and have no business what-so-ever harassing me. However, as a courtesy I have kindly offered both these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and these agencies. Neither of these agencies have offered to accept payment from me on either occasion. 

To date XXXX XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX XXXX outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 

Thank you very much.
I was quite surprised to see a late fee on my Discover statement for closing date XXXX/XXXX 2017. I was perplexed because I am careful to pay my bills on time. Looking at my check book, I saw that I had not made the payment due on XX/XX/XXXX. Checking in my Discover folder, I saw that there was a XX/XX/XXXX statement, but noXX/XX/XXXXstatement.
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If XXXX XXXX can sign up customers for new accounts without their permission, then Discover can certainly fail to send out a few monthly statements to get extra late fees that month.
I Contact ( Equifax Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ equifax ] and I noticed Multiple unauthorized inquiry had been made. I contacted [ equifax AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into [ equifax AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Here 's The Following Inquiries .... 

-XXXX Auto Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Auto Fi Inquiry from XXXX XXXX, XXXX -XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX S Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX -XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX -XXXX Auto Inquiry from XXXX XXXX, XXXX