WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/17 Eagle Mortgage loan officer XXXX XXXX. said I pre qualify for {$100000.00} Conventional loan, and {$100000.00} FHA. XX/XX/17 Did Rapid Rescore with XXXXXXXX17 was told by XXXX rescore is back did n't increase score so the loan amount has to go down to {$80000.00}. Asked XXXX for pre-approval letter on XX/XX/17 re-requested it on XX/XX/17. An offer was put on house on XXXXXXXX17 started working with XXXX XXXX.I was told they could no longer keep my previous approval, and I had to put a bigger down payment of {$150000.00}. received loan disclosures on XX/XX/17.My loan amount was lowered again to {$75000.00} was told they where trying to keep me in the {$700.00} range. I was already quoted {$100000.00} by XXXX to stay in the {$700.00} range.On XXXX17 received loan disclosures. Did not sign was uncomfortable.XX/XX/17 Me, and realtor XXXX XXXX went into office so they can explain them.XX/XX/17 Turned in all requested documents to XXXX was told everything was good.XX/XX/17 received approval commitment letter from XXXX XXXX17 received call from XXXX asking questions about documents XXXX We already went over and she said was good.XX/XX/17 XXXX told XXXX my son birth certificate was needed. XXXX faxed it in that day. XXXX/XXXX/17 XXXX called said loan is denied due to sons income not continuing for 3 years, his birthday being 1 month shy.If I could get a co-signer? I would need one to get approved. XXXX/XXXX/17 had to inform listing agent loan was n't approved. She called XXXX XXXX, and he told her I filled out the wrong birthday on application. I was never asked to fill out a application, I never filled one out. Nor sign one. Somebody in that company committed fraud by submitting an application for me. with the wrong information. Nobody asked me how old my son was. My name is being defamed by XXXX telling the realtor. I put information on an application I never filled out. That company has committed fraud, and defamation. My loan was denied because of the way they handled my loan. We started this process in XXXX. that 's when the application process should of started. They were doing my rescore, and I had turned in income verification, and bank statements. So they knew I was applying for a loan through them, but never offered me a application to sign. So there is no record of a date. XXXX lied on me. By saying I put the wrong information. Making me look like. I lied, or tried to commit fraud. I was putting in over half of the money for the house.It is my judgement the way they handled my claim. I do n't believe they were really trying to give me a loan, and waited 2 weeks before closing to tell me I 'm denied. After they said I was approved. I feel discriminated against because I am a XXXX XXXX women. I have records of our conversations if needed.
On XXXX XXXX, 2016 i checked my credit on credit karma and had XXXX hard inquires removed from my report. I checked my account on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by fcra section 611. I have been calling transunion ever since and received no help at all from this bureau. No one would transfer me, no one would connect me to an American representative or the fraud department. Talk to multiple agents were very belligerent, some have told me that they knew of the issue. But basically told me too bad and I should file a complaint because they certainly could not and would not fix the problem
In late 2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report because they agreed the amount was not owed based on circumstances. Although I have communicated numerous times with the collection agency they continue to attempt to collect the debt and refuse to delete the derogatory collection item that was placed on my credit report with all three credit reporting agencies. To date I have not received any letter from the collection agency providing me with an opportunity to dispute the validity of the debt.
To whom it may concern : Your response to my dispute of public record is unacceptable. In your response you claim that you have verified this information how? According to the FCRA you have to provide me with the manner in which you verified this information. And you have not done so. I have submitted all the information to you already that proves the account does not belong to me. I further more do not have to provide your company with anything else. You have to provide me with your ways of verification in which you havent done so thus far. Which will result in numerous violations of the FCRA and each violation can result in {$1000.00} penalty. I have kept close record of our correspondence in which you have not provided me any documentation of you ways of validating the account belongs to me. And I intend to pursue legal ways to remedy this tragic situation that is damaging my life as well as reputation because of your malpractice of reporting false information. Again I want verification of account numbers jurisdiction of court address and all other particulars of the public record you are reporting on my credit report. You can not use any 3rd party information you have to verify it with the courts and provide me with your exact method of verification to provide utmost accuracy as stated in Fair Credit Reporting Act. This is my final warning before I seek judicial court suit against your company for your transgression against me.
I contacted MIDWEST RECOVERY SYSTEMS by certified mail o n 2 occa sions concerning an entry on my credit report, I explained that this is not my account and it is fraud, I have had no dealings with  XXXX    XXXX   XXXX  , I am a veteran with a   XXXX   XXXX     XXXX  and can not participate in such activities. I ask them to provide documentation of this entry bearing my signature and they have failed to do so. Any help you can give me in this situation is greatly appreciated. I will take them to small claims court if this is what I have to do.
I purchase a vehicle from motorama auto dealership in XXXX of XXXX within 30 days I had tire problems and half of my Dashboard lights went out. It was during this time that the owner of the company told me that he never touch the tires ( Which I do n't believe because they were brand new ) But he said he put a Engine in it which he did n't tell me when I bought the car. 2 months ago the engine started to knock and the Alternator went out a month ago. The dealership said when he bought the engine it had a month warranty. And quoted me XXXX plus the cost of the engine. I am still making payments on this vehicle. I feel this dealership operated in bad faith.
My mortgage company will not automatically terminate my Private Mortgage Insurance even though the balance of my loan is well below 78 % of the purchase price of my home. They want me to authorize and pay for an appraisal which according to the law should not be necessary and I have refused.
I was admitted to the emergency room back in XX/XX/XXXX and was treated for an illness and was released. I was sent a bill for the charges later on, however, due to my financial status the fees were waived after submission of my tax return, as I qualified for a waiver due to my income level. 
However, I was contacted by an individual, claiming that I owed {$490.00}, and was rudely instructed to make a payment before XXXX to receive a 30 % discount. When I explained that, it was waived due to my financial status at the time and I was told that physicians bills does not fall into the charity category, which I believe was a rude remark, when I never visited such a physician rather went directly to the emergency. I was never informed of such a debt for the past XXXX years and was never contacted by any physician 's office or the hospital for any claims.
I first became aware that there is XXXX Credit card opened in my name when I received letter from XXXX XXXX dated XX/XX/XXXX, stating that my account has been closed due to continued security concerns Shortly after I received another letter dated XX/XX/XXXX where it looks like some activity initiated from XXXX has been stopped. After this I received a statement and request for a payment from XXXX XXXX   in the amount of XXXX. 

I called them immediately and reported this as a credit card fraud and possible identity theft. I have provided as much information as I could at a time and they conducted their investigation. On XX/XX/XXXX they informed me that they can not find any bases to support my claim and that i must start repaying. 

I called them and they reopened investigation, and apparently still found no bases. I called them again and had lengthy discussion with their supervisor ( XXXX ) He did not provide much information to me on which they based their decision. I was able to get few things from him. First several payments were made to them, mostly by money order, but one by bank transfer ( he would not say what bank or whose name was on bank ), they mailed a number of statements to the address I verified ( first time I heard of the bank was from XX/XX/XXXX correspondence ). I requested information verbally and in writing but nothing was ever provided to me. 

Since then I have filed Identity Theft Report with Federal Trade Commission and signed up for XXXX  Protection Now my credit scores are going down and I started receiving harassing phone calls from bank collectors.
I have tried three times to get my annual credit report from Experian on the annual report website and get the same message " problem with their system '' I also tried once by phone on their system and now got a letter back saying not enough information given!!!

It is my contention that they purposely have all of these " Roadblocks '' in an effort to get you to give up and not honor their requirement to give the FREE annual report
This service was covered by insurance and was never billed correctly. I gave them the information to bill insurance and it was still not done. Instead they just sent it to collections instead of billing it correctly.
After sending several emails and leaving even more voicemail ( s ), I have yet to get the hard inquiries from Compass Bank removed from my credit report. I have a total of ( 5 ) There 's no way I filled out the same application 5 times. This is not me, I 'm not sure if my credit is ran by default to check updates on my report, I 'm not sure but I would n't apply for Compass Bank, I 've been with XXXX XXXX XXXX for almost 2years, this cant be right. 

XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Wells Fargo & Company XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Demand to start review I received a modification in XXXX of XXXX and made more than XXXX payments then received a letter from ASC mortgage, that they wanted me to subordinate a lien not in privity. i HAVE TRIED MANY TIMES TO SUBORDINATE BUT when i finally received the subordinate agreement ASC closed my modification. I have submitted more than 5 times requests to re-review me for a modification and had postponed on my own XXXX foreclosure sales and ASC refuses to look at my requests because of many reasons mainly now saying i received a mod and no more are being offered to me because i can not receive more than one modification. 

I also told Wells my servicer of ASC that my loan i spart of the Department of Justice or National Settlement Program ( DOJ modification program ). I asked for many times written verification of this and never have the servicer or investor responded. 

I also had written three times requesting the servicer to have the point of contact reach out to me and never has the point of contact reached me the bank never went further than a reentry team designed to stone wall me from getting my loan reviewed or put into loss mitigation status for more than a year of me trying.
I was making regular payments. In XXXX XXXX I was XXXX in the Michigan XXXX. The finance company knew this but continued to harass my parents. 
I was released XXXX XXXX, XXXX. I got my Social Security XXXX reinstated and started making payments XXXX XXXX, XXXX. I have been making, and plan on continuing to make regular payments until it is paid off. 
I have been regularly checking my credit score and have noticed that the balance is still at {$19000.00}. I called Ditech to inquire as to why my payments are not being reported. I was told that they do n't report payments until the outstanding balance is paid in full. At {$300.00} a month, that will take about 6 years. It will state on my credit report that I still owe {$19000.00}. 
If I am making regular payments, then they should be reported to the credit bureaus. They are quick to report if you DO N'T make a payment.
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
Product Credit reporting Issue Credit reporting company 's investigation : No notice of investigation status/result Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
[ [ [ what does no notice of investagation mean you contacted them about XXXX i want fico score back to level it was ] ] ]???!!!! 
still waiting for experian to fix credit report and also put my fico score back over XXXX where it was before case # XXXX was started Consent to publish the description of what happened? Consent provided Product information
Back in XX/XX/2018 l paid for a membership with XXXX XXXX using my USAA Debit Card for {$40.00} l disputed this charge with USAA as months have gone by and XXXX XXXX failrd to provide the membership to me, the last communication by email l had was them telling me " you will hear when we hear '' so l disputed the charge and USAA send me a reply saying l was out side the time frame, l told them, the reasons as l am here and they refused to except it as a result of me not receiving the membership from XXXX XXXX l have lost the whole season to XXXX XXXX XXXX. I am asking your agencies help in resolving this, this is not a normal situation and USAA has to understand this, l am not trying to get free money from USAA but money that l work hard for and money l paid for a membership that l never received and will not receive now. So l am requesting that your agency help me in getting my money back. It sound like USAA wants to loose a long time customer over this and does NOT care that l am out of pocket for a item that was not provided to me by the organization that got my money and provided me with nothing over these months. 

Regards XXXX XXXX
According to Ocwen rep. XXXX ID # XXXX the application for a loan modification was denied on XX/XX/2018. When asked why the louan was declined she could not provide an explanation. We asked if the loan was in foreclosure and she replied no. However the borrower received a notice of default from the law firm of XXXX XXXX XXXX dated XX/XX/XXXX. We believe that Ocwen continues to violate provisions of the CFPB regulations regarding servicing by dual tracking and providing misinformation regarding borrowers status.
This debt was entered on my credit report and it does n't disclose where it is from. It stated that it was last reported on XX/XX/XXXX, it did not show up until XX/XX/XXXX. It stated it was opened in XX/XX/XXXX and it has never shown up on my credit report until XX/XX/XXXX. Nothing was verified that I owed this debt. No mail has been sent to my residence and I do n't know where BOTH accounts are from that was opened in the same month with the same amount of time in delinquency.
I am being harassed by now a third debt collection agency attempting to collect an invalid debt which the original invoicing company, XXXX XXXX XXXX, has already agreed I do not owe. 

I first received a letter dated XX/XX/XXXX from XXXX XXXX XXXX of XXXX, XXXX indicating I owed {$220.00} to XXXX ( formerly XXXX XXXX XXXX ). I notified this company by phone that I had resolved this issue directly with XXXX and that their active invoices indicate I am completely current with all invoices. I asked that they no longer contact me about this invalid debt. 

I then received a letter dated XX/XX/XXXX from XXXX XXXXXXXX XXXX of XXXX, XXXX indicating that I owe this same amount to XXXX XXXX XXXX. First by phone on XX/XX/XXXX and then online, I requested this company to stop contacting me about this invalid debt and suggested that they talk with their XXXX XXXX contacts. 

I just received a letter dated XX/XX/XXXX from Southwest Credit of XXXX, XXXX asking me to pay the same {$220.00} they say I owe to XXXX XXXX XXXX, indicating that if I do not dispute this debt in writing within 30 days, it will be assumed to be valid. This letter references a Southwest Reference number XXXX. This letter also referenced North Carolina Department of Insurance Permit # XXXX. 

I am asking the assistance of the Federal Trade Commission to put a stop to these debt collection agencies selling this account of invalid debt to other collection agencies and then harassing me about a matter settled in XX/XX/XXXX. 

If appropriate, please include the XXXX Dept of Insurance in your inquiry as I view the behavior of these agencies as unscrupulous and worthy of investigation by state regulators as well.
Saturday XX/XX/XXXX and Sunday XX/XX/XXXX trying to link my TD Bank Account to my XXXX XXXX cyber currency account and perform a test sell. The cyber currency needs to be liquid to be viable.
Wells Fargo took my payment of {$1100.00} from my XXXX account which is more than the payoff amount for the principal for my mortgage. ( {$1000.00} ) which I received in the mail after the eft had already been completed on XX/XX/2017. The money is gone from the XXXX account, but Wells Fargo has the payment listed as 'unapplied '. 
Why did n't wells Fargo just pay off the principal with the escrow balance of {$1700.00} and send me a check for the balance they owe me, and the closed mortgage paperwork? This is being done BEFORE THE MATURITY DATE OF XX/XX/2017. 
WELLS FARGO NOW OWES ME THE ENTIRE ESCROW BALANCE PLUS THE DIFFERENCE BETWEEN THE AMOUNT THEY TOOK ( {$1100.00} ) MINUS THE PAYOFF ( {$1000.00} ) FOR A TOTAL OWED TO ME OF {$1800.00}.
Sallie Mae harassment 1- All of my student loans ( federal and private loans ) have been consolidated a year ago and now belong to XXXX XXXX. Consolidated all in one, instead of dealing with multiple lenders and multiple federal loan servicers. 
2- In addition, i am unable to make any payments at this time due to unemployment. I have been in forbearance with XXXX XXXX for the past few months, and XXXX XXXX has been very understanding and helpful in this time of extreme financial hardship. 
3- Any loan which i had with Sallie Mae was consolidated, therefore i do n't understand why sallie mae is harassing me. To give a fee examples, On Saturday XXXX/XXXX/2017 I received a call from Sallie Mae at XXXX XXXX. I have phone records to prove this phone call. 
In addition, i received a call from my former employer saying that " Sallie Mae is looking for you and they repeatedly call here ''.
TransUnion is allowing an Illegally operating XXXX XXXX XXXX to submit information to my report. They have allowed XXXX XXXX XXXX to submit a derogatory remark to my file. This is an unverified item from a company that is not even licensed as a legitimate XXXX XXXX XXXX in the State of Texas. According to Section 392. 101 of the Texas Finance Code, it is illegal for a third party collection agency to pursue a debt without being properly licensed and bonded in the state of Texas. XXXX XXXX XXXX is not licensed or bonded in Texas and the proof is attached.
I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX XXXX XXXX reported negative marks Paid, was past due 30,60 days on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
During the Month of XX/XX/2016, I had a XXXX XXXX done at XXXX XXXX XXXX in XXXX Nevada. The cost of the XXXX per the statement i received was reported as {$1000.00}. Of this amount, {$760.00} was paid by my insurance leaving a balance of {$250.00} which was billed to me as my portion. I called the XXXX XXXX XXXX and told them that I was unable to pay the balance off right away and that, I would like to make payment arrangements. They refused to take payments and as a result, reported me to a collection Agency known as XXXX located at XXXX XXXX Nevada. XXXX intend reported me to the Credit Bureau as owing {$470.00}. I disputed this amount with the credit Bureaus but they said per XXXX record, the amount of {$470.00} was verified to be correct. 
I contacted XXXX and requested the breakdown of the charges and also the reason why they are asking me to pay {$470.00} instead of the {$250.00} bill that was originally sent to me. They have so far refused to give me the breakdown or the reasons why they arrived at {$470.00}. I do not believe I owe {$470.00}. I am willing to pay the {$250.00} but not the {$470.00} they asking me to pay. I do believe they are ripping me off. I am a XXXX years old man in poor health with XXXX and this people are trying to rip me off.