WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2013 we used our Lowes card as a family of military veterans to purchase appliances for our home. We had planned to pay off the card before the introductory interest and service fee period ran out. Unfortunately, I had XXXX, so we were unable to pay off the debt ; due to my sudden permanent XXXX. We contacted Lowes and let them know, and the qualified us for an assistance program, that was supposed to withhold interest and fees, that they never actually put us on. We owe {$1700.00} on our Lowes card. After the egregious " service '' charges, interest fees, etc came through on our account, that sum is now {$5200.00}! That is {$3400.00} in charges! For what?! We have been making the payments that we can. We have already paid {$1000.00} in their horrendous fees. I am now protected by the XXXX, and I am told by the XXXX that because of my status as a XXXX person, we can get some or all of the debt discharged. Today, XXXX/XXXX/2015, I was told by XXXX that that is n't true. That they do n't have any allowances for XXXX people, and we should have paid the card off, because this extra {$3400.00} is our " punishment. '' Imagine that. Nearly {$3500.00} " punishment '' charge added on for becoming XXXX. This seems so very wrong wrong wrong.
I requested verification of debt and no information has been received. I need signed documents that I entered into contract with CACH LLC.
I have been reaching out to the Bureau to remove this issue on my credit report since XXXX XXXX, XXXX on several different occasions up until now XXXX XXXX, XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.
Mortgage company denying me the real estate tax relief granted to me in XXXX CO, VA as a senior homeowner meeting income qualifications. Mortgage company continues to collect taxes into escrow that have been exempted or deferred although officially they recognize the exemption. They deny the deferral as a lien ( which it is not ) and have no appeal process. My equity is about 80 percent and theirs about 20 percent on a XXXX dollar property, and they say the mortgage might not get paid their declining equity portion when the taxes are paid on the sale of the property. They bill on assessments, not on the County information and actual tax bills. County is returning payments and the escrow balance will be increasing for years, outpacing the mortgage. I have a PDF file to attach that gives more detail and references specific documents and texts. File name is XXXX
On XX/XX/XXXX a creditor debited my account for {$270.00} which cost me an overdraft. I called the bank and told them what was happening and the were refunding me. Before I could get refunded the company debited my account for another {$270.00} on XX/XX/XXXX. So on XXXX XXXX I received part of a refund and then the rest on XX/XX/XXXX. At that time I had talked to the bank 3 more times explaining the situation. The last time they refused to go to XX/XX/XXXX where the problem started so they could keep my overdrafts. There are XXXX overdraft and XXXX extended. I would be {$830.00} in the black if they refunded all. They refunded XXXX, which did n't get me from overdraft. Do n't they have to keep correct books on your accounts? Or can they just take what they want when they want. Everything that is social security direct deposit and I have gotten paid twice @ {$1300.00} each. The have gotten all of that and I am still overdraft of {$640.00}. I would like for everything to go back to XX/XX/XXXX and replace all the money they took with malaise of forethought for a struggling XXXX on XXXX. They were causing me terrible stress because I missed 2 payment of my car and the company was going to repo it. I hope you can help me I have no other place to get it.
I am first time home buyer. I bought a short sale house from JP Morgan Chase. Seller 's property disclosure document ( Exhibit A ) provided false information. These issues were not found during inspection such as termites, Basement leak, Roof leak and dead trees in the premise. Buyer is interested to know what is recourse for the false disclosure made in the agreement. Buyer spent {$1800.00} for removing the dead trees alone. Buyer expects to compensate the monetary loss incurred by the buyer for fixing the issues. Attached pictures for evidence
I 'm listed as an auth user on this account, I did n't request that. Would like to be removed
I have contacted XXXX XXXX XXXX and disputed this debt for {$1200.00}. They sent a statement on XX/XX/17 from Capital One, whom I do not have an account with. I have requested documentation of a signed agreement, payments made, and anything that can be of use to law enforcement as we investigate fraud.
I opened a Citigold interest checking account on XXXX XXXX 2016 after getting an offer via email to receive XXXX AAdvantage miles after fulfilling certain terms. I also saw the same offer at the Citigold website at the time so I knew the offer was legit. I fulfilled all their terms by XXXX XXXX, 2016 and I inquired via secured message on when I can expect my reward to post. I got a reply from XXXX XXXX XXXX that I qualify for the promotional offer and have also fulfilled the terms and conditions and will just have to wait until XX/XX/XXXX for my rewards to post. I sent a follow up secure message on XX/XX/XXXX and received reply on XXXX XXXX from XXXX XXXX that I will not get my reward even if I fulfilled the requirements unless I can show proof that I was targeted to get the promotional offer. I called immediately, talked to representative XXXX, and told him about the message I got from XXXX XXXX that made me confident about getting my reward. I did n't bother to save the email offer because of the assurance I received from XXXX XXXX. I had the impression that she verified that I was indeed on their target list of clients since I have Citi credit cards. The message XXXX XXXX XXXX gave me was very disappointing to say the least. I do n't know if I can trust whatever the representatives tell me in matters like this.
I contacted Experian a few months ago about a debt that they have removed numerous times on my credit report but keep reading from XXXX XXXX of XXXX XXXX, Ar. XXXX of this year, Experian sends me a letter stating that I needed to take it up with the creditor. On XX/XX/XXXX of this year, I sent a letter to XXXX requesting verification of the debt via certified mail. XXXX did not accept the letter and had it returned to me. I sent another letter to XXXX via regular mail again requesting they verify the debt. XXXX then sends me a letter in XXXX stating that I do not owe the debt. I send Experian and XXXX  the letter that was sent to me from XXXX. XXXX removes the debt, but Experian sends me a letter dated on the XXXX of XXXX stating that they verified the debt with XXXX. I am looking into legal means to handle the situation, but I am giving Experian one last chance to rectify their wrong permanently.
I am a victim of identity theft. I have previously disputed items within the ChexSystems report and I have now received responses to my disputes from ChexSystems. 

In the responses to the disputes ChexSystems acknowledged that they received a copy of the police report I filed, however they said they could not use the police report because the information stolen could not be used to open bank accounts. 

The police report states that the items stolen from my office include : my social security card and my passport which includes my date of birth. ChexSystems is not correct when they have stated that the police report was not sufficient. 

ChexSystems continues to report addresses on my ChexSystems report that are not mine and do not belong to me and that I have never lived at. Being in the middle of identity theft and is hard and ChexSystems is making it much harder to prevent further security threats to my identity by continuing to report addresses that do not belong to me. I have now filled out an FTC affidavit of identity theft and have listed all the addresses on the affidavit that are not associated with me. 

I wish to dispute the following addresses on my ChexSystems report due to fraud : All variations of the following addresses are incorrect and should be removed. 

XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX XXXX XXXX, TN ; XXXX XXXX XXXX XXXX, TN ; XXXX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX, TX  ; XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas If any of these addresses were reported to ChexSystems by a financial institution that financial institution did not have my authorization to view, access or update my ChexSystems report and thus ChexSystems may not use that as a reason to keep reporting the incorrect information. 

I am also disputing the following inquiries that are appearing on my ChexSystems report and were not authorized by me : XXXX XXXX XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the inquiry from XXXX XXXX XXXX XXXX XXXX XXXX - date XX/XX/XXXX. I disputed this directly with XXXX who told me they were requesting a removal from my ChexSystems report but it is still being reported.
Victim of the PayPal credit scam. Found the evidence on my credit report as an inquiry. I had no intent of applying for credit and due to certain obscuring tactics, PayPal initiated a credit inquiry without my consent or digital signature. My credit report shows I have no credit score because I stopped using credit 5 years ago.
XX/XX/XXXX : I applied for a mortgage modification. I submitted all requested documents along with a detailed letter explaining my circumstances.

XX/XX/XXXX : I received a past due letter from Bayview. This letter also stated they tried to reach me via phone and I was unavailable. This is not true. I ALWAYS have my phone with me and am available day and night. Ive never received a call from them, missed their call or was left a message to return their call.

XX/XX/XXXX : I received a letter stating my modification was assigned to a specialized team. No individual names and no direct phone number to contact an agent.

XX/XX/XXXX : I received a letter from Bayview stating they needed 2 additional documents. These documents do not exist and I tried calling several times to explain why these documents are unavailable and was put on hold for over an hour each time, only to have the call dropped. I tried going though Customer Service as well but was put on hold and again, after waiting over an hour, the call was dropped. When I was unable to contact anyone by phone, I sent an email on or about XX/XX/XXXX and never received a response.

XX/XX/XXXX : I received a letter disclosing my credit score.

XX/XX/XXXX : I received a valuation report or appraisal prepared for my property.

XX/XX/XXXX : I received two more letters disclosing my credit score.

I tried on or about XX/XX/XXXX to contact Bayview again via phone and was again placed on hold over an hour and the call was again dropped.

XX/XX/XXXX : I received a letter via XXXX stating my modification application was denied due to not providing requested additional documentation.

I tried calling again today, both via Customer Service and through the phone number provided on the denial letter and again was not successful getting through. I believe I deserve to continue with my modification application and should be able to communicate with a human being throughout the application process as needed.
A federal tax lien of {$5000.00} filed on XX/XX/XXXX with ID # of XXXX by XXXX XXXX County Register in the State of California. 
A federal tax lien of {$5000.00} filed on XX/XX/XXXX with ID # of XXXX by XXXX XXXX County Register in the State of California. 
Both were discharged thru Chapter XXXX Bankruptcy. Both lien holder failed to file a proof of claim during the Bankruptcy Court hearing. 
Therefore these liens were both discharged.
I have an auto lease with GM Financial that I opened last year. I have always had problems with them billing me the correct amount each month. Now, I have noticed that they have not been updating this account on my credit report correctly since last XX/XX/XXXX.
I disputed with XXXX and Equifaxthat i have old accounts from that should have been dropped off and hasnt been dropped off Also i disputed an account from XXXX XXXX XXXX and XXXX that are not mine a mortgage/ car loan that are not old accounts past 7yrsThey deleted some of them and then reposted them. 

XXXX have been disputed also
I am a homeowner XXXX years old with excellent credit. In a nutshell I was told I qualified for a mortgage if I sold my home as I wanted to change locations. My home sold and then I was told I needed 2 years of income verification '' from the same source ''. I have 45 years of verified income, from various sources. My credit score pushes XXXX. I have very little other debt ( $ XXXX ). The issue seems to be that I sold my business in XXXX 2015 and am receiving monthly payments from that sale, BUT they have only been paid for 5 month, not 2 years. SOOO now I have no home and am told I must wait another 18 months to get a home loan. I add insult to injury I am a XXXX vet. What the XXXX is going on with this country? What can you do to help me own a home?
I Got these 2 Hard inquiries on my XXXX Credit report with out my permission on XX/XX/2018 1 ) Capital One 2 ) XXXX XXXX XXXX I want to dispute these 2 Hard inquiries. please help me.
I received an alert on my credit report that there was a new collection. When looking into this, I saw a collection account for Congress Collection. I placed a call to the company to ask what it was for and was told it was for a medical bill from XXXX XXXX 2017. I have never received any communication from this company. The second issue is that the new law states they ca n't report a medical bill unless it is 180 days past due. If the bill was from XX/XX/XXXX these would still be a few months to have this cared for.
XXXX XXXX XXXX sent me a letter in XXXX XXXX stating I owed {$540.00} on a service from XXXX XXXX. XXXX XXXX XXXX then explained that this was an error on their part and that they were going to get in touch with my insurance company. I did not hear back from them from that last phone call. I then received a letter from Asset Recovery , Inc. in XXXX XXXX stating they were a debt collector and was attempting to collect a debt for XXXX XXXX XXXX. This came as a shock for me because that last I heard from XXXX XXXX XXXX center they were contacting my insurance company to fix the error they made in billing on their part. After numerous conversations back and forth with Asset Recovery for about 2 weeks trying to explain to them what happened and also trying to make payments to them for it ( and got returned checks ), they then placed it into collections when I was in contact with them consistently and tried to make payments. This debt is now effecting my credit score and it still sitting on my credit report after numerous calls and attempts to pay the debt. Asset Recovery put this debt onto my credit report PRIOR to even notifying me that this debt was in collections. Since this company was not acting in good faith my attorney advised me to pay this debt in full which I have just done.
XXXX XXXX XX/XX/XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; This is not my NAME : XXXX please removed XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX this is not my name : NAME : XXXX please removed XXXX XXXX XX/XX/XXXX XXXX FL XXXX
I keep receiving calls from an unknown number claiming I have a debt that needs resolved and that they have attempted to contact me to get resolved. Then claim they are sending papers in person to my place of work or home. The number they leave to call is XXXX
I sent in several certified letters to all XXXX credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all XXXX bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all XXXX credit bureaus. My name is associated with several XXXX XXXX living today and I noticed that I have several social security numbers that are incorrect, addresses, accounts, inaccurate errored student loans which are n't mine, other accounts that are n't mine as well. The creditors along with the Credit Bureaus have cost so much problems for me because their inputting errors on my credit file which is making my life a living XXXX.
I have my mortgage loan through OCWEN and for the last XXXX XXXX months I have had multiple phone conversations with multiple people and have not received adequate answers or been able to talk to anyone that can answer my questions. Just have been passed along to others and then back again. OCWEN has had multiple problems as of late and have lost their licenses in multiple states and the CEO stepped down last month amid all the problems.. I currently have a loan I have been paying on for 14 years and have been looking for answers on what options I have to buy out the mortgage for the current appraised value or more. I have modified and refinanced my mortgage and am at a really good interest rate and a short sale is not an option and ca n't get OCWEN to give me a straight up answer on the offer I made them a few weeks ago as a cash offer to buy it out and can not get any answers and keep saying I 'm not qualified but yet ca n't get a outline of what qualifies me to receive help in this matter. I have talked with a couple other people that have OCWEN and they have had similar problems and they have not gotten any answers till they threatened to contact the press then started getting assistance. Which is where I am currently at with the lack of customer service that has been given to my situation. And I am offering cold hard cash and still nothing.
Navient has consistently lost documents, misappropriated payments and given me poor information to help handle my loans.
On XXXX XXXX, 2016, I sent a letter to Transunion disputing an erroneous judgment that just recently appeared on my credit report. This error is preventing me from buying a car, renting an apartment, and from taking out loans needed to operate my business, thereby seriously damaging me financially. After 30 days of sending this letter, I received no response at all, so sent a second letter on XXXX XXXX. Again I have received no response, and this issue has not been resolved. 
The issue date of the judgment listed on my report was over 10 years ago, and it only appeared on my credit report sometime late last year. I found out it was there after being denied credit. I sent the same letter to XXXX on XXXX/XXXX/2016 and they promptly deleted the item from my report as it is very clearly in violation of Fair Credit Reporting Act. 
I am attaching copies of the letters I sent, along with certified mail receipts, and a copy of the letter I received from XXXX showing where they removed the item. 
Thank you very much for your help in resolving this matter. 
Best regards, XXXX XXXX
A Consent Order Granting Motion To XXXX XXXX for our loan was issued XXXX XXXX, XXXX. As of this date, One Main has not filed a Satisfaction of Mortgage.
On my correspondence to this company dated XX/XX/2018. I disputed several accounts that has been reported incorrectly and inaccurately. I clearly listed in my letter what the accounts are and what incorrect and missing information there are per account. It is now XXXX and till now have not receive any concrete evidence that an investigation was conducted, nor documents used in their investigation. At this point the disputed information are in verified/invalidated and this misconduct is definitely a violation of FCRA. The accounts that I disputed are the following : 1. XXXX XXXX XXXX XXXX Ref # XXXX, 2. XXXX XXXX XXXX USA Ref # XXXX 3. XXXX XXXX XXXX USA Ref # XXXX 4. XXXX XXXX / XXXX XXXX ref # XXXX.
Counterfeit checks were deposited into my checking account. I was told that I was approved for a loan and that they were going to deposit the money into my account, well money was deposited and I used the money to pay other bills, but soon found out that the checks that were deposited were counterfeit and I was charged for the money I spent plus fees for the returned checks. I am currently overdrawn by {$1100.00} and my bank account is frozen while my bank investigates. The loan company was ACE cash Express. This company also has the nerve to leave me threatening voicemail messages that I need to start paying back my " loan ''. I now have to open a new account and change all of my billing information.