WillisBack/dataset-financial-user-claim huggingface dataset:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX
I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX and XXXX
The diversified collection account was removed from my XXXX report and added back with not notice. It has not been removed and is still listed on my XXXX report. This reporting is not accurate and needs to be removed from my XXXX and XXXX reports immediately.
Several months ago, I suppressed my information with XXXX from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both XXXX and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. I have also disputed negative information being reported on my credit report with XXXX, Experian, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from XXXX on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through XXXX. Now I wonder how that could be possible when per XXXX all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however XXXX, Experian, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by XXXX. I information should have always been suppressed/frozen with XXXX from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from XXXX unfortunately the suppression was compromise and it was being reported. Suppression numbers for XXXX XXXX & XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX per XXXX, Experian and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.
Here is the deal ... I do n't owe a debt collector as this issue is with XXXX and they have refused to put down the proper information on this, so it makes it look like I have an account in collections which is inaccurate ... You ca n't have a debt in collection, when it was closed due to a bankruptcy ... This is impacting my life and has caused me to be turned down for a loan and a credit card as I am trying to rebuild my credit score ... I have been working hard on getting things in order and this has put up a road block ... It 's being reported to Transunion credit bureau ... I currently have an attorney who is ready to move on this if it does n't change and get reported as " closed '' due to Bankruptcy ... 
Thank You
Diversified Adjustment Service has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Diversified Adjustment Service to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. 

Account # / Reference # XXXX
Bank of America has been Dual Tracking me for years unofficially and since XX/XX/XXXX publicly. 

On XX/XX/XXXX Bank of America incorrectly denied me MHA HAMP. On XX/XX/XXXX Bank of America incorrectly denied me an appeal. On XX/XX/XXXX Bank of America made me a settlement offer for their wrong doing on a previous MHA HAMP. On XXXX XXXX, XXXX Bank of America forwarded my account to foreclosure. On XX/XX/XXXX Bank of America negligently denied me MHA HAMP. On XX/XX/XXXX Bank of America incorrectly denied me MHA HAMP on appeal. On XX/XX/XXXX Bank of America granted me MHA HAMP and a MHA HAMP TPP on appeal. On XX/XX/XXXX Bank of America fraudulently denied me MHA HAMP through CRM/SPOC issued correspondence and continued to do this through XX/XX/XXXX. In XXXX XXXX Bank of America put a cease and desist collections code and tag on my account. On XX/XX/XXXX Bank of America fraudulently reaffirmed the incorrect appeal denial. On XX/XX/XXXX Bank of America removed the cease and desist collections code and tag on my account. On XX/XX/XXXX Bank of America made me a settlement offer for their wrong doing during the modification process. On XX/XX/XXXX Bank of America incorrectly caused to be recorded a Notice of Default. On XX/XX/XXXX Bank of America negligently caused to be recorded a Notice of Trustee 's Sale. On XX/XX/XXXX Bank of America fraudulently caused the sale of my home and property. On XX/XX/XXXX Bank of America fraudulently caused the recording of a Trustee 's Deed representing to me and the public my home and property had been sold at public auction. 

I am the only constant player in this whole ordeal. No one knows better than I the who, the what, the how, and the why of what went down from start to finish during and throughout the loss mitigation processes. 

All previously mentioned resolutions are desired and mandatory.
I did not know of this collection. This account happened in middle of  XXXX , It 's  XXXX , The negative remarks by Southwest collection company Does not speak respectfully, attacking me on the phone, I asked for verification because the  XXXX  would not give me membership unless I paid ahead of time. My car would not get fixed so I could not have a membership without a car, Roadside assistance. They report wrong, dates, wo n't be respectful, verify valid account, refuse to send me document 's, address, FAX? They keep attack me as a person on phone, were you live, phone number, question by email, were my email was hacked and fraud deleted information to USDOJ.   Stalking at the law, ID THEFT to collect individuals address, Business address, government websites,  XXXX  &  XXXX ,  Secretary of State business  entities. Abuse of power.     My fico score is damaged, denied credit, loans, etc.     They keep taunting me and I can not get the information, I asked them to mail or FAX but they refused!      SOUTHWEST CREDIT SYSTEM   XXXX   XXXX   XXXX   XXXX ,  XXXX  {$140.00} {$140.00}  XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX
on XXXX/XXXX/2015, I filed an dispute with XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised XXXX to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised XXXX that not complying wit the FDCPA will put their company in a bad position with the CFPB. XXXX never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .XXXX sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
This mechanism has been designed to inform you that back in XXXX and XXXX, my mortgage was with XXXX XXXX XXXX, I was on a repayment plan in the amount of {$460.00} per month. In XXXX XXXX XXXX XXXX bought out XXXX mortgage, then would not keep me on the payment plan that I had so they offered me a refinance plan in the amonkunt of {$1000.00} dollars a month. I had a subprime vendor on that loan at the time in which they did not remove it during the XXXX XXXX. Therefore I struggled to pay the {$1000.00} dollars a month for about 11 months. I then could not keep up the payments. They would not lower the monthly payments, and they stated that I was not eligible for the harp program in which I was qualified at that time. After reading that the Federal Government had sued XXXX XXXX XXXX for foreclosing on properties that they did not own. That is when I had to send in my complaint. They do not own my property either. XXXX owns my property. And XXXX is XXXX XXXX XXXX XXXX XXXX. Something is wrong. I was a victim in this fraud process with XXXX XXXX XXXX as well. Can they really do this to consumers.
Great American Financial account No : XXXX open date XXXX/XXXX/XXXX my last payment made was XXXX. Great American Financial claim to have received a payment on XXXX/XXXX/XXXX this is not true. I have as for validation and they have refused.
I applied to Chase for a home loan, because I also bank at Chase. 

Since initiating the application, the loan officer had been difficult to reach, when I have had questions about the process, or when I had problems with the online application itself, that he sent me to fill out. 
He ignored several text messages and voice messages, that I sent, either requesting help, or end to inquire if he received my documentation. 
This behaved as if he were doing me a favor by calls and patronizing me when he did ever answer the phone. I texted that I wanted to look elsewhere for a lender. THEN, he started hslf-way answering calls and messages and Told me how much more competitive his business is than other companies. I changed my mind and decided to give him another opportunity to work. 

XXXX days ago, I requested a good-faith estimate, because I was on a time-line with the house 's contract. I called him and advised him off my predicament with the realtor needing a good-faith estimate, in order to amend the contract. 
I asked him for a ballpark figure, just so that I could communicate with the realtor. I stressed the urgency of the situation. 
His response was, " I do n't my computer in front of me. I need to do a lot of research! I am at XXXX 's, in the checkout line! ... do n't worry. I will lock in your rate and get you a good-faith estimate. " He had already announced to me, that I could call him " anytime '', if I had questions. Yet, he treated me like I was bothering him, and like he was too important to treat me with respect. Had me feeling like I was being jhim for the money for this house. 
Just before writing this complaint, I contacted the loan officer, via text and advised him that I no longer want to work him. I advised him that I think good-faith estimates and " locked -in '' rates are XXXX different things. 
I feel like he is playing upon my ignorance, or rather my supposed ignorance, because I am a XXXX home buyer.
There are 2 charges on my credit report - XXXX XXXX XXXX & IQ Data International both claiming I owe money. 

IQ Data Int - original lender XXXX XXXX XXXX XXXX - {$3500.00} XXXX XXXX XXXX - original lender XXXX XXXX XXXX XXXX - {$3500.00} Apartment fraud - XXXX filed 2 charges, never provided final move out notice per leasing agent. 

This apartment agreed to terminate my lease with a move out fee, which I submitted by personal check in XX/XX/2016 but was told I had to wait for final move out notice. The new company I went to work for agreed to pay my relocation charges, and made sure my package included this amount. The final move out balance check was never cashed by XXXX and then an employee of XXXX provided my estranged ex husband with my new address while under investigation for XXXX   XXXX after my bank records were audited during the divorce. My ex husband learned my wearabouts because of XXXX XXXX XXXX XXXX and began XXXX XXXX XXXX XXXX XXXXl XXXX again!!!! Most unethical place ever!!!! I am homeless and now have 2 creditors calling me for the same charge. This needs to be resolved as no one ever gave me the final invoice and the apartment violated the family protection act.
ON THE XX/XX/2019 AMERICAN EXPRESS ONCE AGAIN CUNDUCTED WHAT IS KNOWN AS A BLOCK PARTY CALLING RELITIVES NIEGHBORS AND WHO ELSE KNOWS. MR XXXX XXXX EVEN TOLD ONE THAT HE WAS GOING TO CALL PAST EMPLOYERS AND TELL THEM IM A DEAD BEAT. I HAVE PERSONALY INFORMED HIM NOT TO CONTACT THIRD PARTY PERSON ( S )  RELATED TO ME NOR MY ACCOUNT. 
I HEARBY DEMAND THAT YOU CEASE AND DISIST ALL FUTURE CALLS AND TO UPDATE YOUR FILES TO INDICATE SUCH. BEING THAT YOUR EMPLOYEE HAS USED TATICS AND THREATS I REQUEST YOU CEASE AND DESIST UPON RECIEPT OF THIS NOTICE. 
I REQUEST THE COMPANY GIVE ME 30 DAYS TO CONSULT WITH AN ATTORNEY FOR LEGAL ADVISE INTO THIS MATTER BEFORE THEY MAY CONTACT ME VIA MAIL OR THE NUMBER THEY HAVE FOR ME ON FILE.
XX/XX/18 XXXX CST Trouble again with the website and making a payment with Specialized Loan Servicing https : //www.sls.net/ 1. Their new provider " Official Payment '' web page gives an error message of " DDA contains invalid character '' This prevents me from making a payment.

2. Calls to Customer Service tell me to send it through my banks bill pay. ( risking it being late ) 3. Customer Service refused by two different customer service reps to drop the fee to pay over the phone.

4. Customer Service also explained to me that they have now added a {$12.00} fee to pay from my bank account online. It used to be free. No notification sent.

5. The only option is to send in a paper check for no fee.

6. When I asked if I needed to put in a ticket and report the website error to Tech support, the customer service lady stated that there was no system for reporting those errors and that she would pass the information onto her supervisor. She didn't seem phased and it felt like she was giving me a line.

7. The company reps did not state that they were working on the known website issue. The attitude was that they didn't care. This is very concerning because it is the main method of payment for our mortgages.

8. This is the 2nd time in a year I have experienced changes and problems with making payments to SLS Mortgage Servicing. Previously I went for several months of not being able to log in and obtain any information on my account. They did not care.

This company needs to be watched. Side note I am current on my loan and I don't pay late. Thank you for taking the time to review this. XXXX
In 2017, I leased a car for XXXX. I am currently making on time payments of XXXX dollars per month. I recently lost my job and have no steady income to repay the loan. I've made on time payments up until now and will do my best to get back on track.
I made a deposit at Citibank. There was a {$400.00} bonus for signing up and depositing {$15000.00} and keeping it in the account for 30 days. The bonus was promised to be in the account in 90 days after meeting the requirements. 

I fulfilled the requirements and when the bonus was n't credited to my account, I contacted them by email and by phone. By email, they wanted 30 days to " investigate '' and by phone they promised to take care of the matter and credit my account. Months passed, I called again and spoke to a supervisor who now claims the account was n't qualified or something or another.
HJR 192 XXXX THERE IS NO MONEY Company repossessed car despite giving promissory note and tax paperwork on XXXX, spoke to GMAC rep on XXXX who agreed to await for USPS certified mail yet repossessed that same night. I want my car back, loan only 41 days old. My signature paid for loan.
I rented a car from XXXX rent a car on XX/XX/XXXX. XXXX took an initial authorization on the account for XXXX. I extended the rental and and they took another authorization on the card to cover the rest of the rental. The charge for the full amount of the rental of {$420.00} was posted on {$420.00}. There is still a authorization hold on my account for {$300.00}. I called Citi multiple times and was told the hold would be on the account for 30 days. I called XXXX credit card release who told me they sent the release on XX/XX/2018. She called over to Citi to get the authorization released. They told her there was nothing they can do. How can a company hold a pending charge for 30 days when XXXX told them they released the hold. This is unacceptable as a company policy. I spoke with supervisor XXXX from XXXX credit card release who called Citi directly with me on the line. She inquired on how to get this resolved and was told they had no process and just had to wait 30 days.
XXXX XXXX XXXX XXXX reported my account as 30 days late on XXXX 2015 when it was not late. I purchased XXXX items from XXXX XXXX and they cancelled my order, charged me for an item that was supposed to be free without informing me. I did n't know I had a balance because of it since I did n't get anything. I called XXXX XXXX regarding this issue and they realized it was their mistake so they offered to send me a gift card instead of putting it back into my credit card because per XXXX XXXX customer service rep they were n't able to put it back into my card. I paid the balance of the credit card then but I guess it was too late since XXXX XXXX reported my account as 30 days late to all credit bureaus. Balance was less than {$30.00}, I would have paid it if I knew about it and if they did n't mess me up. XXXX XXXX has notes in my account as well as XXXX XXXX. But none of them were able to help me remove this negative thing on my credit report which is 30 days late. I have been trying to improve my credit score because I am planning to get a house and my mortgage loan officer said that this 30 day late from XXXX XXXX XXXX XXXX is affecting my credit score.
I was contacted by BB & T 's XXXXXXXX branch. In particular, I was contact by XXXX XXXX, the Mortgage Loan Office for BB & T at the XXXX branch. A number of years back I had financed a property with BB & T so, obviously, I was in their database for telemarketing. After a discussion with XXXX, I agreed to begin the process of refinancing both my primary residence and a rental unit. 

After providing all the documentation, I was assured by XXXX XXXX that I would have no trouble getting approved. I have over a XXXX in liguid assets, I earn XXXX per year plus bonus. I have an XXXX XXXX score, and a flawless employment history. So I was n't surprised by XXXX XXXX 's assurances that I would be approved. In fact, I could secure the loan with hard assets if needed ( I was n't asked ). After being assured by XXXX XXXX that there were no issues with my loan application, I decided to proceed with obtaining the necessary appraisals and paying the requisite fees. 

Incredibly BB & T denied the loan because I am currently working as a XXXX XXXX for a company in XXXX and not a XXXX employee. Prior to proceeding with the loan application, I submitted my contract outlining my fees ( XXXX per year + XXXX bonus. At no time, did XXXX XXXX indicate that this would be a problem. BB & T verified my employment agrangement with the company. So, based upon assurances from XXXX XXXX I proceeded with the loan application. The appraisals and fees were in excess of {$1000.00}. 

I firmly believe that XXXX XXXX 's actions were a gross violation of her fiduciary responsibility to advise me that a XXXX arrangement with a company would be a problem for their underwriter. I also firmly believe that their actions are reckless in pursuit of increasing their profits by failing to advise clients of the potential issues that may be raised for employment situations such as mine.
consumenfinance.gov/complaqintWho concern : My name XXXX XXXX XXXX , through this letter I would like to complain about the abuse committed by banks On XXXX XXXX I fall behind in my mortgage payments for three months, send a check to cover these payments and returned telling me that since I They had made foreclosed and would have to pay extra {$5000.00} for costs and fees if he wanted to catch up. 
Visit many lawyers to save my home but they asked me {$3000.00} minimum to start my caseDesperate apply for bankruptcy for myself, as pro se, but without the legal experience dismissed me case, then apply for a second also in me dismissed. 
The XXXX XXXX XXXX who file the foreclosure transfer to the NATIONS STAR LLC. Three month after they filed. And On XXXX XXXX XXXX, they granted with summary judgment and schedule the sale for XXXX XXXX, because I not have served with a notice of hearing, then filed MOTION TO VACATE this judgment for the following:1.- ASSESMENT ERROR OF THE RECOVERY2.-The NATIONS MORTGAGE LLC. Was no the Holder of the indebtedness at the time it filed the suit. 
3.-The Defendant not was served with notice of hearing in the Summary JudgmentWherever the defendant come working with the plaintiff NATIONSSTAR LLC, since XXXX in LOSS Mitigations program and they ask for new paper each two month, the last notice XXXX/XXXX/XXXX they said that given advice not less 90 day and the paper was completed. 
For this reason the DEFEDANT, send MOTION TO CANCEL SHEDULE AND CONFIRMATION, but without of knowledge legal I do n't know what happen if the Court considered those Motions, although I have a certificate that the attorney general gave me to help my case for {$5000.00}, but no lawyer accepts this they ask for cash, the last lawyer I visited want to {$8000.00} for see my caseI do not really know where to go 'm an elderly person and I would stay in my house about everything I could do my loan payments if the Bank approved for loss mitigation program or refinance the arrears. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXXXXXX
I started the process to sell the home in XX/XX/XXXX, a divorce from my husband occurred XX/XX/XXXX and the house was put on the market immediately. After 6 months it would not sell so I moved out and bought another home and my ex-husband moved in. The court ordered him to pay the first mortgage ( XXXX ) and I was to pay the second ( Nationstar, now XXXX XXXX ). In XX/XX/XXXX my ex-husband left the state and stopped paying the first mortgage. The house was put on the market and finally had a buyer XX/XX/XXXX. The buyer came up to XXXX  and is buying the house well above market value for the neighborhood. XXXX  offered XXXX XXXX XXXX and I offered them another XXXX ( I am currently unemployed ) but XXXX XXXX wants XXXX per their private investors. My credit has been destroyed by this situation so I am unable to get a loan for that amount. These banks are not working together but created a situation where my credit is completely ruined. I should say that I paid 6 % interest ( XXXX ) ( 4 % Nationstar ) for over 10 yrs and never missed a payment so they made their money off of me. I only stopped paying Nationstar when I lost my job ( over taking a second job to pay these bills, second job also ended ). So now the house is going to foreclosure instead of a short sale. I had been paying XXXX a month in utilities and other home expenses because I was told it would not go to foreclosure and that a short sale would be possible. I spent over 30K in getting the house in shape to even get a short sale at the best possible value.
I need Bank of America too send the right amount from checkings too XXXX XXXX.
Upon trying to obtain a credit report at a car dealership, I was told I am reported as deseased through at least XXXX credit report company. After contacting them, they stated that my former bank told them I was dead and only the bank could undo the issue. I have tried writing to my bank 's credit compliance division ( as there is no phone or email contact info ) with no response.