WillisBack/dataset-financial-user-claim huggingface dataset:
I am selling my home at XXXX XXXX XXXX, XXXX, AL XXXX. The buyers XXXX XXXX XXXX XXXX obtained a pre-approval letter from TJC Mortgage NMLS # XXXX indicating they were pre-approved for a mortgage loan of {$230000.00}. Our closing was set for XXXX/XXXX/15 and I was scheduled to close on another home the same day. XXXX days prior to XXXX, XXXX XXXX with TJC Mortgage contacted me to let me know there was a delay and would have to postpone closing until they cleared up a mistake on the buyer 's credit. Since then, I have written communication from XXXX XXXX indicating the lender had approved the loan and it should close " any day ''. Due to this notification, I proceeded to solicit a moving company to move my entire house as the buyer 's wanted immediate occupancy at closing. I moved on XXXX XXXX, 2015. From XXXX/XXXX/15 - current date of XXXX/XXXX/15, TJC mortgage has been lying to me saying they had the loan approved and it would close any day. However, a phone call to their owner XXXX XXXX, revealed they had submitted the loan to XXXX different lenders and the client had yet to be approved, thus no closing date to be set " any day ''. I have declined further interest in my home and missed opportunities for additional contracts on my home not to mention the {$2400.00} so far of moving expenses and now have to pay to move my things back to my house. I believe this mortgage company acted in bad faith and should have notified me at closing or before that this buyer was not credit worthy and they were unable to fund their loan to enable me to relist my home and not lose a potential buyer and not incur the moving expenses of {$2400.00}.
I have applied for a Home Affordable Modification Program ( HAMP ) to my mortgage. I have faxed all the required documents exactly as requested by Flagstar bank and was contacted by XXXX XXXX XXXX with a request for Thirty days consecutive pay stubs ( Emails are attached as proof ) to complete my application package. Ive sent those documents to her however I received mail from Flagstar requesting some of the documents that were sent in with the original package. 

I have applied for a HAMP in the past ( XX/XX/XXXX & XX/XX/XXXX ) and was met with the same issue. I was asked to provide documents I had already submitted to which I complied only to be asked for different documents that were also part of the original package submitted. This went on until my 30 day grace period was up. 

It is my belief that Flagstar is intentionally delaying the HAMP application process past the 30 permissible days.
I got this letter in the mail that i was a Mystery Shopper there was a money order for {$980.00} I depoist this money order in my checkng account, I started doimg what the letter said for me to do. I shop for the thing i was suppose to get, then I gat a money gram for the rest of the money, It was {$770.00} plus {$11.00} for tranfer. Then today I got a latter from my bank that they returned the money that I deposit,, now I am out {$1700.00}. can I get my money back.
I had a home equity line of credit with Citizens Bank. While in the process of refinancing this loan with another institution, Citizens Bank made a partial payment from my Citizens Bank online checking account which resulted in a debit of {$56.00}. Even after the payoff was completed by my other bank, Citizens charged my account {$90.00} in over draft fees. 
Since Citizens Bank created the overdraft in the first place I want the fees to be negated.
Ocwen Loan Servicing has caused me years of extreme harm attempting to embezzle my property to enrich themselves. 
( 1 ) I Attached my XX/XX/XXXX drivers license with my signature on it.
( 2 ) After the year XX/XX/XXXX is when I changed my signature the way that it appears on recent documents. 

( 3 ) I attached the bogus XX/XX/XXXX American Home Mortgage loan modification and the schedule A without my signature and initials that Ocwen Loan Servicing sent over to the CFPB responding to my consumer complaint.
( 4 ) I attached the bogus XX/XX/XXXX American Home Mortgage loan modification with my forged signature on it that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
( 5 ) I attached the bogus American Home Mortgage scheduled A with my forged initials on it that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
( 6 ) I attached the bogus XXXX with invalid tracking number that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
Ocwen Loan Servicing is running a unorganized crime operation paying its employees high salary 's to become professional pathological liars, training its employees how to harm as many homeowners as possible - embezzlement. Ocwen then uses the money that it embezzles from homeowners to pay lawyers who will turn a blind eye.
I was contacted by MCOA and was notified that I have a debt for XXXXXXXX for XXXX XXXX XXXX XXXX ticket. I informed rep that I have not received written notice from XXXX XXXX PD or MCOA stating this debt and until I do, I will disregard any debt collection attempts by phone. I called XXXX XXXX PD and requested original citation be sent to my address. This was done and received on XXXX XXXX, 2015. I have yet to receive validation of collection for MCOA attempting to collect a debt. This information has been reported and is now on my credit report. I do not have an issue paying the original balance. However, I find it odd that a collection agency finds it appropriate that they can collect funds over the phone without validation of debt in writing to the consumer. I still occasionally receive calls, however, I will not be responding until I receive a written validation of debt.
I was not aware that my insurance was canceled with out notification and i went to the doctor to do my anually free check out and they bill me even after i make the arraingment with them and they send me to collection.
I had an outstanding out of state medical bill from XXXX and had issues with my insurance company processing the payment. Eventually partial payment was processed but a balance of {$320.00} was sent to a debt collecting service. I paid the debt plus interest in an amount of {$460.00} on XXXX XXXX, XXXX to " XXXX XXXX Co ''. I have the transaction available on my credit card statement. The account had been reported to the credit reporting agencies and that has also subsequently been closed. However I have begun to receive phone calls from " Bay Area Credit Service '' insisting that I still have an outstanding balance of {$320.00} and there is no record of a transaction paying that balance. I have informed them clearly of the events but during each conversation I get passed along a line of different employees and told the same thing, that I still have a delinquent account and I need to remit payment or they will ( again ) report it as delinquent.
I get paid bi-weekly, and there are times i make my payment a couple days late from my due date but I always make my payments within the month. Example : payment due on the XXXX of every month i get a text/call/email on that day from my lender, the next day they call me again text/email/phone, third day they will threat they will start calling my reference to if i dont call to make a payment. I dont understand why this lender threat me every month when i make my payments, i have never miss a month of payment with them. I need this to stop. they call my phone/email/text me and then do the same to my husband i have emails/text from them and they are not professional at all.
My first issue revolves around the threats and abusive language from a customer service agent when I called Freedom mortgage on XXXX-17 while in bankruptcy. I was concerned about making a payment as nobody was able to talk to me to give me my payment options. When I expressed my concern and fear the rep told me these were the consequences for filing bankruptcy. I was utterly appalled by this response as if my financial hardship was a personal choice. When I filed a complaint I receive a generic response that they could not respond to me because I was in bankruptcy. Again I was extremely disappointed in the mortgage company. 

Although nobody would talk to me I continued to call and advise I was occupying the property and my intent was to keep the property and my intent was to bring the loan current. 

Fast forward to today! I have over {$100.00} in propert inspection fees from the mortgage company. Being as I work for a mortgage service, I understand that when loans fall delinquent and there is no communication with the borrower, visual inspections are required. What i dont understand is why my loan required an inspection when I was unable to obtain payment instructions and I stated on several occasions i occupy the property and i intend to bring the account current. This should be illegal. This is causing an unnecessary financial burden on me even though The mortgage company is well aware that i occupy the property. I would never recommend Freedom Mortgage to anyone. This company has been a nightmare since service transfer.
I got a car loan in   XXXX   XXXX  . I went to  XXXX   XXXX   XXXX  after a divorce and my credit was below average, so they financed me through  Santander Consumer USA. Th ey gave me a  XXXX  dollar loan for a  XXXX   XXXX   XXXX , that was only valued at  XXXX . I was in desperate times, especially as a single mother and no longer having healthy credit due to a divorce, so I purchased the car. My  XXXX   XXXX   XXXX  percent and a monthly payment of  XXXX . I had a 72 month loan. In    XXXX   XXXX   XXXX    I was noticing with my loan, that the principal was never being paid off, and that the payoff balanced was still over  XXXX . I talked to  Santander many times throughout the years and they could not  try to refinance me with a better rate or with a lower payment and it was nearly impossible to pay off the loan. with 4 years of paying the loan and technically 1 year to go, I should not have had a principal balance that high. SO in  XXXX  I went to another car dealership, got a loan and a new car and I called Santander to come and pick up that car, that could not afford to have that car. IT has hit my credit really bad after working so hard to get my credit back up after the divorce. They auctioned off the car and still say I need to pay  XXXX . This is an absurd contract and should be against the law to do this to people.
XXXX XXXX XXXX Complaint # XXXX Response Date XX/XX/18 Issue is that I was charge a high fee of over {$14000.00} I call them and told them I disputed the high fee for deferred payment I had. 
They act I cant dispute the amount. I want the loan put on hold until the documents and a clear understanding is to the loan. 
XXXX XXXX XXXX did not resolve my issue with my complaint and when talking to them you get pass around from one person to another.
WAS TOLD BY CAPITAL ONE THAT IN 2002 THERE WAS A CHARGE OFF IN THE AMOUNT OF {$2100.00} IN MY NAME OWE TO THEM. HOWEVER I WAS NEVER NOTIFIED OF ANY SUCH CHARGE OFFS OR EVEN SEEN THIS ON MY CREDIT REPORTS. I ALSO WAS NOT MADE AWARE OF THIS WHEN I HAVE SINCE OPEN XXXX ACCOUNTS WITH CAPITAL ONE IN MY NAME SOCIAL SECURITY NUMBER AND DOB.
On XXXX XXXX, 2016, I logged onto CitiCards.com to pay XXXX bills associated with XXXX credit card accounts I hold with them, as I do each month. Due to my financial circumstances, I can only afford to pay the minimum payment on each card right now. I paid the minimum payment amount on each card like I 've been doing for years. No missed or late payments EVER. These funds usually get deducted from my checking account. I go to use my checking account debit card today XXXX XXXX XXXX XXXX to buy groceries and it 's declined. I check my checking account to see that a total of {$14000.00} has been deducted from CitiCards to pay off the remaining balances on my cards. I assumed this was due to an error with their online payment system, because I did not authorize them to do this. I called CitiCards, and all they could tell me was, " Sorry, there 's nothing we can do, the transaction is in place, call your bank. '' I 'm sorry, but as a customer for several years, with no late payments or other issues with previous transactions, I do n't think this an acceptable way for a credit card company to act to a customer who just had several thousand dollars incorrectly deducted from their checking account. They did NOTHING to try to resolve my situation as I was hysterically crying on the phone. We are about to be hit with a blizzard in my state, and now I have no money. Basically they just said it was an issue between me and the bank that I hold my checking account with. I do n't believe there is nothing they could have done to stop this transaction. As a major financial institution with billions of dollars, I doubt fixing my error would be a huge sacrifice for them. They need to accept responsibility for their operations. Disgusting.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
TOOK OUT MORTGAGE WITH XXXX, XXXX XXXX XXXX IN XXXX AND THE LOANED SECURED BY XXXX XXXX. THE ORIGINATED MORTGAGE AS WELL AS SERVICED LOAN UNTIL XXXX ( DURING THAT TIME COMMITTED FRAUD AGAINST ME AND MY LIFE ). AND THEN TRANSFERRED TO XXXX WITH A LETTER DATED XXXX/XXXX/XXXX COVERING UO THE FRAUD VIA XXXX XXXX ) AND WITHOUT VALIDATION NOTICE ETC. TRANSFERRED AGAIN TO NATIONSTAR, XXXX. AND NOW XXXX. ALL TRYING TO COLLECT A FRAUDULENT MORTGage accounts and leaving tradeline scaring on all XXXX bureaus.
on XXXX/XXXX/XXXX I received 2 letters from XXXX XXXX XXXX, XXXX informing me that they were attempting to collect debt from two accounts currently held by the XXXX XXXX XXXX XXXX XXXX. 

These two loans were issues in XXXX and I have not made payments on either these accounts for quite some time ( 5+ years ), when they were previously held by XXXX XXXX XXXX . 

I found this article : https : //www.consumerfinance.govXXXX  My understanding is that attempting to collect this debt either by the XXXX XXXX XXXX XXXX XXXX or a 3rd party is currently illegal. 

They are attempting to collect the following two accounts XXXX - {$10000.00} XXXX - {$3600.00} I have not taken any action at this time but I do plan on contacting a lawyer
every day, several times a day, calls are made, very abuse conduct, constanly calling. had an attorney notify them in letter telling them not to call anymore. they have continued calling, everyday and several times a day, with different numbers from all states, really abusive. iv notified my attorney and they also will notify them again, they are not suppose to call anymore. the company doing this is : portfolio recovery, they are a collection agentency, with 3 different collections. they call from all different numbers.from different states. calls have been from XX/XX/2018- till now, continues everyday. several times a day, from XXXX - to evening time after XXXX.
Everyday a call from XXXX comes into my work number which is XXXX and its a recorded message saying I owe money with my name in it - XXXX XXXX. Im going to get fired if they dont stop.
On XX/XX/XXXX, I sent a dispute on the grounds of Identity fraud to the address listed under this credit reporting agency 's website via mail, yet after 30 days I have received no response or resolution to a documented crime.
I was notified by Bank Of America that I was committing a form of fraud because checks were being written and funds were not available intentionally. I had funds available per my account balance shown online and based on this information I continued to use checks. I then was one day notified account was closed due to fraudulent activity and was reported to XXXX XXXX and have been trying to resolve issue for about 2 years now. No help from Bank Of America and I even wrote them an explanation for good faith due to being unaware of process and delay to updates made on account when using checks. I resolved anything owed to the bank and then asked to be removed from XXXX XXXX and nothing has been done.
Original account was purchased by Pinnacle Credit Services LLC and they did not provide validation of debt. Attempted numerous attempts to get validation of the debt and was never provided validation of said debt. Pinnacle closed there doors and was purchased by another company named XXXX XXXX XXXX located in XXXX SC. The said debt has been reported to the credit reporting agencies with inaccurate information stating opened in XXXX of XXXX and the original delinquency was in XXXX. Requested a Cease and Desist verbally and the agent refused to acknowledge stating that they only acknowledge cease and desist in writing.
On my credit report I have a delinquent account with a company " Barclays Bank Delaware ''. It states the account was opened XX/XX/XXXX and closed on XX/XX/XXXX. The balance is {$95.00}. I do not recall opening this account. I have attempted to make contact with the business using the number provided on my credit report and the number provided online. I have called several times and have not yet been able to speak to anyone to find out what this account was for. It had had a terrible impact on my credit score and I need to get this resolved.
I checked my credit report and have seen a several fraudulent claims on there from Credit Protection Association in the amounts of {$260.00}. Innovative XXXX. 
{$82.00} XXXX I have no knowledge of this claim nor am I responsible for it. You cant just be putting false accounts on people credit report.
XXXX XXXX XXXX has repeatedly sold a settled debt to multiple debt collection services. The debt was acquired XX/XX/XXXX and settled XX/XX/XXXX. The most recent collection agency has called making threats to myself, my employer, and my family members. 
Midwest Recovery Systems is the current debt collector.
A fraudulent charge from XXXX appeared on my Capital One Visa credit card in XX/XX/XXXX, XX/XX/XXXX & XX/XX/2018. I reported the charges and they were refunded and my card was canceled and I was issued a  new card. In XX/XX/XXXX another new fraudulent XXXX charge was added to my new credit card. I called to complain, they explained that the " updater services '' they provide, give the fraud account the new credit card number automatically and that's how they got it. They canceled my 2nd card, and issued a 3rd card. Capital One put a block on the merchant, apparently preventing them from making any new changes on my cards. Now for the month of XXXX, there is another pending charge from XXXX on my 3rd card and the cycle will continue and there's nothing I can do about it. I also called XXXX to inform them of the fraud and they did nothing to help me, because I can't give them the account number for an account I didn't create. How can any of this be legal????
These accounts are not my accounts they are FRAUDULENT Im not the XXXX  XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX ACCT, XXXX XXXX XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX   XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/XXXX {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS FRAUDULENT.
Constantly receiving harrassing phone calls and they are harrassing a relative of mine as well.
I recieved an alert from my credit monitoring service that 6 days ago, a collection company ( XXXX and transuinon had deleted an account from my report and then reinserted it the same day. I have waited the 5 days required by law to recieve a reinsertion letter and have not recieved this. It is illegal to reinsert a collection that had been removed without notifying the consumer.
I have requested the validity of a Chapter XXXX Bankruptcy on a couple occasions as the date of discharge is incorrect as well as the filing information. I have requested in both writing and via email for this to either be updated or removed. I have tried to no avail, therefore, I am reaching out to you guys in hope you can assist in getting this resolved once and for all. 

Thanks in advance for your help!
I have a Slate credit card from Chase. As a benefit, Chase gives me visibility of my XXXX credit score from XXXX each month. 
Issue I recently applied for a Chase auto loan. Per my credit report, Chase used the XXXX credit score in its loan decision. Providing me XXXX credit score but using a different credit score in the loan application process is deceptive. Why the disparity?
Hi I received a call from " Law office of Scott Carruthers '' today. First a girl spoke with us and said we owed a few thousands on a bank account that had negative balance almost a decade ago. And that we need to pay this amount. 
When we asked her if her office was a debt collection agency, she said NO. She said they were a law office. Which seems like it was a false statement. 
When we disputed this amount since we do n't see it on our credit report, she started getting irritated and handed it over to her " supervisor ''. The supervisor seemed irritated right away. So we asked him to mail us a letter with all the details of this account, amount, etc. on their letter-head. He refused saying he did not want to spend 42 cents mailing a letter. And he in turn asked us for a fax number where he could fax us a letter. We do n't have a fax. So I persisted with request him to mail the letter. Called my work multiple times, after I told them not to call my place of business.
Navient manages several private loans of mine. But they don't allow for an easy transparent way to determine the monthly payments cost. The site is very confusing. Also, I have separate loans with different cosigners and I should be able to send in payments and pay extra amounts on each load easily and they are do not process my payments accordingly. I want to be able to see my monthly payments and be able to send payments to each specific loan, not a bulk payment to all loans. I should have complete control over how payments are applied.
Goldkey credit placed a collection on my record. They know full well it is not mine. I believe it may be my sons. My son is XXXX XXXX XXXX. I am not responsible for his debts. The collection company is trying to extort money from me or ruin my credit. How did they even get my ss number? They keep calling me on my cell phone. How can they ruin my credit like this?