WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I purchase an vehicle from XXXX XXXX located in XXXX Va, My contract was for buy here pay. However I received a Welcome letter from XXXX XXXX on XX/XX/XXXX staying that they have brought my account from XXXX XXXX. I never signed any documents nor does it says in my contract that XXXX XXXX can sell this vehicle without my premission. I check my credit on XX/XX/XXXX. I see that I have a car loan financed from XXXX XXXX open on XX/XX/XXXX. I called this company several of times, I can not get any information they keep telling me to call XXXX XXXX. This company has lied to me and reported inaccurate information on my credit report.
The original closing date on our home was set for XX/XX/2018. However, the builder did not complete the finish-out punchlist on time, so we did not have adequate time to have a third-party inspection, a revised punchlist completed, and a second/final walk-through on-time for the closing. The closing date was then pushed back to XX/XX/2018. 

Our loan consultant with Caliber Home Loans, XXXX XXXX, failed to send us a revised Closing Disclosure. The last correspondence ( disclosure ) was dated XX/XX/2018. At the closing we were shocked to see that we were not receiving the full amount of credit back we anticipated. Our realtor, XXXX XXXX, transferred {$1500.00} of her sales commission toward our closing costs, however, most of that amount went towards the prepaid interest on the house at a rate of {$41.00} per day from XX/XX/18 to XX/XX/18. 

Ms. XXXX failed to inform us of this huge increase at closing in any form of communication. As first-time homebuyers this was shocking, embarrassing and deflating. We ended up losing {$690.00} to interest fees instead of the {$41.00} we originally saw. Ms XXXX did not educate us on this key piece of information. In fact, she was surprised at the time XXXX XXXX reviewed the documents at closing with us. 

We contacted Ms. XXXX and Caliber Home Loans on a few occasions to try to rectify the situation among ourselves ( the last one being XX/XX/18 ) but a representative at Caliber on XX/XX/18 said we would have to file a complaint with CFPB to see any action taken.
I did not consent nor sign a contract to be a cosigner to a Student loan belonging to XXXX XXXX DOB XX/XX/XXXX through XXXX, PA XXXX, I want this loan information immediately removed from my credit report.
XX/XX/2018 @ about XXXX call requesting a VAlidation of debt and collector refused to send it out because she stated she is unable to send it because it was already sent. Also wanted itemized statement refused to send it out. And them to answer my question they stated that I want get anywhere talking to them like that. She was very rude and unprofessional.
My bank account was hacked through PayPal several times between XX/XX/XXXX - XX/XX/XXXX with several charges through XXXX. When I complained the charges were removed. However, PayPal took money out of my account to match the fraudulent charges. This was done without notification or permission. When I called to see why no satisfactory info was given.
I 've been trying to get this credit card off my report for over a year now, I advised Experian to put Fraud Alert on my credit because someone had stolen my Identity, I DID N'T get a credit card with XXXX XXXX, the only thing Experian is validating is my mailing address, they have on file.
I have been representing a homeowner who has been trying to do a short sale for several months. The servicer " Wells Fargo '' has had our completed file including the letter of authorization, offer, listing, financials, and hardship reasons for over a month. The negotiator assigned to the file never processed our file properly. the file stayed on their desk without attention for weeks. I had been requesting that the sale date be postponed and that the negotiator review the file immediately XXXX For over a week, which pushed the upcoming sale date closer and closer ) Finally he did finish his review and admitted that he did not follow up on the documents i had sent him in a timely manner. The agent then requested that the sale date be postponed on XXXX XXXX. The file had been completed since the XXXX of XXXX. My letter of authorization was never uploaded properly and each time i called in to get help, the agents stated they could not find my authorization. This issue also was escalated along with the sale date request to be postponed but NEVER resolved at any time! The servicer continues to mis-manage this file and will not help this homeowner have her offer reviewed for a short sale. This is unacceptable.
My mortgage was sold to LoanCare. I have my loan payments to my mortgage/escrow account automatically deducted from my checking account each month. I ave never been late or missed a payment. I received notification from my homeowners policy holder XXXX that payment for my homeowners policy had not been received for the past two month and that my polcy was thus cancelled. I in no way was informed nor authorized any changes to my escrow account
After viewing my annual credit reports I noticed a collection account with Choice Recovery ( acct XXXX ) for {$540.00}. They are attempting to collect a debt owed to XXXX XXXX XXXX for {$430.00}. I disputed the validity of the debt with all three credit bureaus as I have not had any business dealings with this company. The response from the creditor came back as verified. My dispute included a request to see my signature as the responsible party but I was not provided with any documentation. 

I have no knowledge of this debt and have never used their services or agreed to pay for services rendered to another party. 

I am requesting this account be removed from all three of my credit reports.
XXXX/XXXX/2015 spoke with Quicken loans and provided my credit card number for a deposit for an appraisal. Locked rate good until XXXX/XXXX/2015. XXXX/XXXX/2015 credit card charged {$400.00}. XXXX/XXXX/2015 Appraisal ordered. Appt set with appraiser for XXXX/XXXX/2015. Appt with appraiser cancelled by Quicken x XXXX without notification to me or explanation. Appraiser informed me that XXXX asked her the following day on both occasions to rebid the appraisal. Difficulty obtaining information from XXXX on several occasions. Requested my money back. Deposit agreement states " If your application is denied or withdrawn, for any reason, we will refund your deposit, minus the actual cost of your appraisal and credit report ''. No appraisal has been performed. I 've requested XXXX times or more that my money be refunded and XXXX has not responded to my request or refunded my deposit money. Email from XXXX of Quicken Loans dated XXXX/XXXX/2015 XXXX XXXX quoted below, but I have yet to have my money refunded. I have been contacted by XXXX XXXX via phone XXXX and have returned her calls x 2 requesting my deposit money refunded but she has refused to respond to this request simply returning my calls and wanting to " explain '' but making no response to my request for why my deposit money has not been returned. Contact information : XXXX XXXX Solution Consultant, ( XXXX ) XXXX ext. XXXX. 
I am hopeful CFPB can assist in obtaining my deposit money. After reviewing other complaints on the internet since my fiasco, I have learned that this appears to be a common strategy for Quicken Loans to refuse to refund deposit money. 


" XXXX XXXXXX/XX/XXXX at XXXX XXXX ( ET ) Hello, I apologize for the frustration. The appraiser is still awaiting assignment, and we will not close by XX/XX/XXXX. I will contact our banker to get your refund, and have the loan canceled. 


Thank you, XXXX '' Thank you.
I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Overton , Russell , Doerr and Donovan , LLP States that they can add interest to my debt simply because a judgment has been made on that debt. They have been charging me interest on the debt since 2011.
XXXX called me on my cell phone and left a voicemail saying they were " returning my call regarding student loan forgiveness. '' They called on XX/XX/XXXX and XX/XX/XXXX in the afternoon. I called the number suggested : XXXX on the XX/XX/XXXX at XXXX XXXX, since I had recently inquired about the teacher loan forgiveness program to my loan service provider. 
I called and was transferred to XXXX XXXX of the National Student Aid Care program who said he could help me register for the Public Service Loan Forgiveness Program until I could qualify for the XXXX  Loan Forgiveness Program. He knew about both programs extensively, my exact loan amount, my interest amount, how many loans I had, my current monthly payment, and that I had recently come off of income-driven repayment. 
He asked to verify my identification by sending a 6 digit code to my email address, so I went to that email ( which he knew ) and read him the code that was sent. I later realized that email was a request to reset my password on my Federal Student Aid account. He changed my password after the phone call. He asked about my address, income, family size, mom 's number and address, aunt 's number and address, and many charming, personal questions. He sounded very knowledgeable and helpful. 
He said he could get my loan down to $ XXXX/month for 4 months and then $ XXXX/month for 120 months until my loan would then be forgiven if I had served as a teacher for that time. The monthly payment would change as my family size did. Interest would also not accrue during this period. He said he needed an account and routing number from my bank to have on file until I could get him my mom 's new account info. He knew what bank I was a member of. 
It was not until I was in the midst of signing and reading an e-contract sent to me that I realized the {$790.00} of the first four payments would go to him and his company, not my loan balance. Then, when asked if I could talk to my mother before finishing signing, he said I should go ahead and sign because I could cancel the program at any time. 
I was not comfortable with this, looked up the number, and realized it had to be a scam. 
I have filed complaints with the Federal Student Aid program, report this to my loan service provider, frozen my bank accounts, changed my Federal Student Aid information, added a verbal password to my loan account, and put an initial fraud alert through XXXX. I will also contact my local police and see if any further steps need to be taken. 
Please DO NOT hesitate to contact me for further information. I have all of the supposed addresses/numbers/faxes of the company/man, and I have the emails he sent to me.
Bank of America and their cohorts have made multiple intentional misrepresentations related to this account and the associated Deed of Trust or mortgage. 
On XXXX XXXX, XXXX, Bank of America, XXXX, XXXX, and XXXX XXXX XXXX XXXX ( XXXX ) represented to me, the public in general, and XXXX in specific, the property was to be sold at public auction when, in fact, only the unsecured XXXX Deed of Trust has been sold for {$320000.00} ( according to information provided by XXXX ). It is unclear if the XXXX Deed of Trust has been sold to a XXXX, or if Bank of America and their cohorts have merely removed the unsecured mortgage account from one investment pool to another. If the latter is true, it is further evidence of a real estate, Deed of Trust, and mortgage back securities racket supported by business relationships established for profit while defrauding unsuspecting law abiding good folk and, if government funds are involved, the tax payers of the state and federal governments of the United States of America. 

41 ) Defrauding the citizens of the United States of America. 
42 ) Defrauding the citizens of the State of California. 

Since XXXX XXXX, XXXX Bank of America has represented to me there have been XXXX " pre XXXX '' assigned as the designated single point of contact ( SPOC ) by the names of XXXX XXXX and XXXX XXXX. To my knowledge, the term " pre XXXX '' is not a term defined in the National Mortgage Settlement ( NMS ). 

All previously mentioned resolutions are desired and mandatory.
I received a letter in the mail on XX/XX/18 from Maury Cobb Attorney at Law LLC attempting to collect a debt for XXXX. When I checked Florida Office of Financial Regulation ; I discovered that the company does not a license to act as collection agency in the state of Florida ; which is my state if residence.
Santander has reported information on all 3 credit reports that was supposed to be removed XX/XX/2014.
To : CFPB Im frustrated. I took a call today at XXXX with a representative of Ocwen. I was informed that my home is active in foreclosure. I have been challenging and appealing the matter for almost 5 months. As of today, Ocwen reps do not have and have not resolved the original appeal. Failed to take into account that I followed instructions. Cant find the {$200.00} check I sent for the internal review. Has not addressed this letter and the rep does not even know about this letter. Wants me to do another letter modification packet with Ocwen instead of resolving this issue on the appeal. Noted that I inquired about a payoff and I did not make a request which is a fraud alert activity on my account. Please stop the foreclosure action and review the records you agreed to review and resolve the valuation appeal that has been outstanding since earlier this year. XXXX Letter To : Appeals Unit, Consumer Finance Protection Bureau XXXX RE Loss Mitigation-Loan # Last 4 digits Sirs : I disputed the appraisal and assessment in XXXX. Ive sent in a check for {$200.00} for an internal appraisal. I missed my appointment with Ocwen MondayXX/XX/XXXX, XX/XX/XXXX.
The home has water damage and suffered a burglary. The pictures of these items as well as the estimate to repair are attached. I do inhabit the home in XXXX. Please reset my call with Ocwen and my relationship manager to discuss these items. This information is true and accurate to the best of my ability.
I had been requesting a Loan Modification from my lender SPS. I have a very legit hardship to have requested this. I never had a modification in the past ever. This would had been my first one.

SPS gave me a approval for a modification and when I was informed about the approval I had been just release from the hospital and I have been in and out of the hospital for some time now, thus the reason im requesting a modification. Once I spoke with SPS about my approval my payments were some what more affordable for me but since I had just been release from the hospital and being heavily medicated with drugs, I really was not on the mind to speak to anyone to have made any decision on my home. SPS told me if I font take this approval then I need to SHORT SALE my property, well I was not even able to comprehend the approval and understand this and nor was I explained the process of what a SHORT SALE IS, until I requested XXXX XXXX to help me in this process, and they explained to me what a short sale is and I would loose my property. I was very shocked o have known what this was and my lender telling me that, " if you don't take this approval you need to short sale your property ''. Before I found out what anything meant I told SPS to go through the short sale process not clearly understanding what it really was - then when XXXX XXXX   wanted to help me they said no you don't need to do a short sale on your property we will get you the approval terms back. SO SPS refused to let me take the APPROVAL they gave to me, knowing that my hardship was clearly all medical issue of going in and out of the hospital. For my lender to have treated me so inconsiderate for my medical issue is not the way any lender should be to a homeowner. I want to keep my home and stay there and enjoy the rest of my life there.
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017
My score dropped XXXX after XXXX credit inquiries on Equifax according to XXXX, asked XXXX MY score that they report but was not given the information. Asked how could my score dropped so drastically and was given no answer. Informed that I can pay to get MY report but not MY score. A change in score like the one I 'm suffering with should come with some answers and a way to dispute.
On XX/XX/XXXX, I requested a credit limit increase on my Citi credit card. Citi attempted to pull my credit report from XXXX. However, I had a credit report freeze in place with XXXX, so the request was denied. Citi then attempted to pull my credit report again, and again the request was denied. Both attempts appear on my XXXX credit report.

First, I contacted Citi on XX/XX/2018 and spoke with a supervisor. I explained the situation and she checked with their credit approval department and told me that since the inquiries had not gone through, they should not appear on my credit report and that Citi was unable to have them removed. She advised me to open a dispute with XXXX to have them removed. 

On that same day, I submitted a dispute to XXXX through their website. On XX/XX/XXXX, I was notified by XXXX that their investigation was complete and that my report had been updated. However, the inquiries have not been removed and XXXX does not provide any way to follow up on the results of the investigation.
I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off, I had to take out a new loan for food and gas, but now I have found out they are n't even licensed in Oklahoma and are charging higher interest than allowed. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
I filed a claim to remove accts that i found on my report as i just recently started to check so that i can correct my credit and by land. I found several acct that are not mine that i have had no knowledge of. In searching i discovered that the accts were began while my mother and her boyfriend at the time lived with me. I believe that XXXX XXXX who is currently in XXXX XXXX XXXX for theft and abuse opened these acct while he had access to my information like SS number and other personal information 's while they lived with me. I have attempted to contact and just get that " acct are valad '' but nothing stating how they were validated. Im looking for information as too how were validated. I mean that is my address that is my information but I did not open these accts to something called XXXX  or a XXXX XXXX  acct. they had access to but the right information i did not have knowledge of these accts even existed untill i started checking my credit. I never received and product or bills to these accts I supposedly opened. which makes sence since the people who had access to my information lived in my house and probably intercepted all of it. this is theft and I just want to know how these accts are getting validated and proved that they are my just cuz my name is attached to them. I just want answers and explained process of how they are validated. cuz truthfully i have all my ex husbands information and how would you know if it was him or me since we still live in the same house. You cant and it is not right to not listen to me and just expect that these are mine when they are not. It is not right to not take my information and stick me with a bill that is not mine just cuz someone had access to my information such as family or roommate. And the time frame of these bills were when they lived with me. No there was no charges because i recently just found out and he is already in XXXX. However i am NOT going to take the responsibility of the the XXXX XXXX   or XXXX acct even if i have to contact an attorney
The collection agency named AFNI Inc. does not have a license in the State of Florida to collect any debt. Their continued attempts to communicate with me through phone calls and letters have annoyed me to the point where a formal complaint about this matter Is being filed. This company is not listed on the State of Florida Office of Regulation website ( XXXX ) as being able to conduct business in the State of Florida.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Bank of America, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
Hello, 01- I have been paying {$30000.00} per month since XXXX, Original Loan : {>= $1,000,000}, present loan balance : {$210000.00} ( My Business Real Estate, located in XXXX , TX ) website : XXXX ( I can send you any documents you want for your review ) 02- I have only one credit card : American Express , I have been a member since XXXX my average monthly payment is from {$12000.00} to {$40000.00} ( I can send you copies of my monthly bills for your review ) This is the irony of my life : MY CREDIT SCORE IS ONLY XXXX!!!!! JUST SIMPLY AMAZING!!! What can I do to increase my credit score? 


I am hoping your Bureau will help me with this issue, Best regards, XXXX XXXX My e-mail : XXXX XXXX