WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a USDA home loan through 1st Alliance lending XX/XX/2016. I went through the entire process with this company, and submitted everything they requested of me. I received a preapproval letter early on in the process after I submitted the documents they requested of me. I sent the company several paycheck stubs verifying my, and my wife 's income, through the entire process, which was roughly 5 months, XX/XX/2016 to XX/XX/2016. So the company had ample enough time to verify our income through the entire process, to determine if I we were financially capable of making our mortgage payments if awarded the loan. We were told earlier on in the process that we had ample enough income to qualify for the loan, as well as through the entire process up till the end. I had to pay for the appraisal of the home we were attempting to purchase in the amount of {$470.00}, as well as we lost {$500.00} in earnest money that we put up for the home, due to the application process extending past our contract date. Also, the loan coordinator, XXXX XXXX, told us that we had to use their appraisal company, and could not use one of our choosing, which I feel is illegal. I feel as if we were victim to bad/illegal business practices because we were told initially that our income was sufficient enough to secure the mortgage loan with 1st alliance Lending, 5 months later, and after losing the {$470.00} we spent for the appraisal for the home, and the {$500.00} in earnest money we lost due to the process extending past our contract date, we were told that all of a sudden our income was n't sufficient to secure the loan, and that all of a sudden our debt to income ratio was too great, both of which was verified at the beginning of the process, as well as continuously through the 5 month process. Our loan packet also never went to the U.S.D.A. underwriter, it just stayed with 1st Alliance 's underwriter.
I disputed a bankruptcy that is being reported on my credit file with transunion. I enclosed documentation advising XXXX has removed the information from their files and is not reporting on their file they maintain on me. I also included in my correspondence with them that the letter from the US Bankruptcy Court Northern District that they do not perform any activites with the credit bureaus which include verification/validation of the file. After submitting all the information and disputing the file that Transunion maintains, they continue to " verify '' the record on my credit file. I requested the means to which they verify their information, and informaed them I do not consent to any electronic verification, they still refuse to furnish the information to me as how they verified this record. 
Their failure to furnish me the verification meathod and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act.
I have XXXX direct unsubsidized student loans with a current outstanding balance of approximately XXXX. In XXXX, XXXX, I began work at the XXXX in XXXX, West Virginia - a non-profit organization. Because of my continuous work with a non-profit organization, I submitted paperwork in XXXX, XXXX to ultimately have loans forgiven after 10 years of continuous service with the non-profit and 10 years of consecutive payments. My servicer at the time I submitted the paperwork was XXXX XXXX. My XXXX XXXX ID was XXXX. 

On XXXX XXXX, XXXX, I received an email from XXXX XXXX informing me that my loan would thereafter be serviced by FedLoan. Specifically, that email stated as follows : " Important Notice : Transfer of Your Loan Account Dear XXXX, The U.S. Department of Education ( ED ) will soon transfer the customer service of your federal student loan account to FedLoan Servicing ( PHEAA ), another member of ED 's federal loan servicer team. Your loans are not being sold. ED will continue to own your loans ; however, a different servicer will manage your loans and assist you on ED 's behalf. 
ED is transferring your loan account to FedLoan Servicing ( PHEAA ) because you requested to participate in the Public Service Loan Forgiveness ( PSLF ) Program. FedLoan Servicing ( PHEAA ) is ED 's servicer that provides customer servicer for all federal student loan borrowers who are potentially eligible for PSLF and tracks their progress toward qualifying for PSLF. This change in servicer will not impact the existing terms, conditions, interest rate, or available repayment plans of your federal student loans. 
Your loan account will be transferred to FedLoan Servicing ( PHEAA ) on or about XXXX/XXXX/XXXX. If ED does n't transfer your account as planned, we 'll let you know. '' Please note the language stating that the transfer would not impact the existing " terms, conditions, interest rate, or available repayment plans ... '' For the entire eight year period I have been paying approximately {$190.00} per month on my loans. 

Once the loan was transferred to FedLoan, I received a bill for {$320.00}. ( My FedLoan account number is XXXX ). That is an increase of {$130.00} per month. At least in my mind, a monthly increase of {$130.00} is a substantial change in the terms and conditions of my loan. I contacted FedLoan twice and all they would tell me was that my loan had been " recalculated. '' I could never get past the first person who answered the phone. 

The last few months, I have continued to make my regular payment of {$190.00} as I have made for the past eight years. Now, unfortunately, FedLoan shows me as delinquent because I have n't been paying the higher amount. This can obviously have a severe negative impact on my credit score. 

I am not trying to avoid payment. What I want is for the payments I have been making for nearly a decade to remain the payments I continue to make - i.e. {$190.00}
My name is XXXX XXXX. On or about XXXX XXXX, XXXX, XXXX XXXX XXXX changed my mortgage loan from a principal to a principal and interest loan. Previous to that, for a period of approximately 10 years, XXXX had automatic right withdrawals to my account. 

When the nature of the loan changed, XXXX stopped the withdrawals from my bank account. XXXX claimed it sent me mail notices, but conceded it was sent to the wrong address. I had never, ever been late on a mortgage payment with them, or any other bank. 

By the time I found out about the mistake, around XXXX XXXX, XXXX had filed a complaint and badly hurt my credit. 

I hired an attorney to handle the matter, who sent them letters on XXXX XXXX and XXXX XXXX. XXXX never even bothered to respond to either inquiry. 

I would like XXXX to remedy this wrong and withdraw their falsely alleged complaint to the Credit Bureau.
I opened a CitiGold account with an opening bonus of XXXX Thankyou points. But they refuse to issue the bonus to me when I meet with all requirements.
On the date of XX/XX/XXXX at XXXX UTC I made a purchase for XXXX BitcoinCash being trade ID XXXX for {$940.00} USD. On XX/XX/XXXX the Coinbase Pricing Chart had different prices from that of its sister company GDAX Pricing Charts ( please see attached photographs ). Had I not matched the two separate Coinbase and GDAX pricing graphs and photographed this evidence it would not be known. I have made Contact with Coinbase for over 6 months regarding white collar crime activities Coinbase/GDAX have been engaged in. I have filed a complaint with the Consumer Financial Protection Bureau, met with federal agents at the Federal Bureau of Investigation and filed a complaint and communicated with the Securities and Exchange Commission.
I was in an accident on  XXXX   XXXX ,  2016. I  continued to pay until the insurance and GAP company paid. The final payment from the GAP insurance was cashed by  GM Financial  on  XX/XX/XXXX . I paid  XX/XX/XXXX  another payment as there was still a balance. I paid  2  payments in  XX/XX/XXXX  as I was trying to pay off the loan. I found out when I applied for credit and my car insurance company went up on my rates that I was being reported as delinquent in payments. I checked my credit report to find that  GM financial was reporting me as 30 days late. I tried to go on line to the GM Financial  web site and look at the payment history which is inaccurate. It shows all payments from   XX/XX/XXXX  on, as being received in  XX/XX/XXXX , when only one payment was received in  XX/XX/XXXX .  I tried several times to speak with  GM financial  because the online bill reporting is very confusing and inaccurate and they have repeatedly told me that the payments that came in from the insurance and GAP do not count towards any payments on the account even though the online statements state payment received so how is it not a payment. According to them even though the received a payment in  XX/XX/XXXX  from GAP and they repoprt it online as payment received that it does not count as a payment because it was not from me. I am attaching the statements for the months involved. Please help me. I feel I have been deceived by the online statements which are not accurate at best and misleading at the worst. When I spoke to a representative in  XX/XX/XXXX  it was only told to me that I needed to continue making payments until the car is paid for. They claim they told me that I was behind on my payments and that is not the conversation that I remember having with the representative. And when I told them that I  may  have to contact an attorney to resolve this issue because this does not seem proper they threatened that they would not be able to speak with me any further regarding my account. I have continued to make payments toward the remaining balance and will continue until it is paid in full.
I have bi-weekly allotments that come out of my account for USA Living ( previously USA Discounters ). Because I ran in a financial hardship at home, I ceased my payment XX/XX/XXXX to the present date ( roughly one month ). Once the allotment was no longer sent to my account with XXXX XXXX XXXX, I began receiving daily phone calls. Next the emails started. I communicated with a representative by the name of XXXX XXXX and informed her that I had pertinent financial obligations at home, which required me to temporarily stop the allotment, which in turn, I agreed that I would re-start within the next two weeks in order to ensure that the following month 's payment would be received on time. She told me that based upon what was already in my allotted account, that I owed an additional {$160.00} and that as long as it was received before XX/XX/XXXX that she would not report an adverse note on my credit report. I told XXXX that I 'd take care of it before the end of the month, and that I needed a little more time to ensure that things at home were okay. Three days later, I received emails from her stating that I failed to comply and that they would refer me to their pre-legal department since they did n't receive the {$160.00}. Again, I reiterated to her that I said I 'd get it in before the end of the month since two weeks had n't passed since we last talked, and I did n't receive my next paycheck. I then tried to contact the store in XXXX, and noticed the phone was disconnected. I then tried the store in XXXX, and noticed the line was disconnected. In turn, I did an online search and learned that the stores shut down. I emailed XXXX and requested for information in writing about what happened, and also to provide information on how I can mail my balance of {$160.00} since I was not comfortable sharing my personal bank account or credit card information. She still remained persistent and threatened to refer me to the pre-legal team. I 've yet to receive any notice of what happened. She said that I still have my contractual obligations to fulfill and that was it. I would like to mail my remaining balance as my contract does not state that I have to provide a personal credit/debit card for payment. Typically, I could run cash into the store, however, since the stores are closed I no longer have that option. Please help as this is truly concerning in that she is not willing to provide any written communication as to what happened and how I can continue to make alternative payments, which was previously an option.
This is in reference to CFPB case XXXX. I filed a complaint a month ago in Reference to a State Tax Lien that does not belong to me. XXXX sent a letter in the mail about a previous dispute and named Lexis Nexis as the reporter of the incorrect information. In the previous complaint , LN stated they were suppressing the invalid lien from my report. After this complaint was supposedly resolved, I again disputed the lien with XXXX and once again it was verified by Lexis Nexis, This my last attempt to get this deleted from my report before buying a house before I file with the BBB, Attorney General office in both states, as well as file suit with my attorney here in XXXX, SC
Georgia Departmen t of Revenue had  a tax lien on my property in  XXXX  and this lien was satisfied on  XXXX   XXXX ,  XXXX  in the amount of {$1100.00}. This is an error which should not be on my TransUnion or  XXXX  credit reports.
On a two phone line, receiving a daily morning call in from a Florida based company who is acting like a Collection Agency. 

Receiving Call from phone no. XXXX Company Name : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX website : XXXX ) This company is acting as a Collection Agency,  but when checked with Florida Attorney General office and Florida Office of Financial Regulation, they do not hold valid license to act as an collection agency. 

( 1 ) We have already notified this company to stop calling but they are not stopping.

( 2 ) On XXXX XX/XX/2016, we have already notified this company by Fax ( XXXX ) and by Certified Mail Letter ( # XXXX XXXX XXXX XXXX XXXX ) to stop calling and provide supporting documents and evidence for any claim they have. 

But still this company is keep calling and also sending threatening collection emails.
My tax return had the incorrect account number on it. We noticed as soon as it was filed and contacted the IRS but they said that the bank is required to return the funds if the name on the account does not match the name on the deposit. The day the funds were deposited to the account XX/XX/2018 in the amount of {$4600.00}, I contacted the bank and they said that there was nothing they can do to return the funds since it went into an open and active account, they said I need to contact the IRS to reclaim the funds, once they receive the request from the IRS they could return it. So I did that. The IRS sent the request to have the funds returned however the bank responded stating that the account owner has already used the funds. I understand the incorrect account number was input on my tax return however those funds should have been placed on hold as soon as I contacted the bank so that the account owner could not use those funds. If the bank would have done their due diligence and placed the hold when I contacted them they would have been able to return MY funds to the IRS.
WHY THERE COMPANIES OUT THERE THAT HAVE THE SOUL PURPOSE TO TICK PEOPLE OFF. THEY NO LISTEN TO ME I TELL THEM ALL THE TIMES THEY CALL THEY HAVE THE WRONG PERSON BUT NO. THEY BUT IT UP ON MY REPORT AND CALL NO STOP.
XXXX    XXXX  , I contacted the agency : Early Warning Services , LLC, Attn : Consumers Services,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , AZ  XXXX , regarding Fradulent information on their consumer report file, concerning  XXXX   XXXX   XXXX   ( now being investigated )  &  XXXX   XXXX   XXXX  Bank accounts. I showed the agency how the signature on the back fo the checks provided as proof by the bank was not my signature, and provided my signature and my current drivers license photo, as my proof. The agency still came back that the information was validated. Since  XXXX    XXXX  ,  XXXX    XXXX     XXXX  has removed the Fradulent claim from  XXXX , and  XXXX  is currently investigate their claim. I wa nt Early Warning to Rem ove the inaccurate information from my consumer file, ASAP.  <P/> Thank you and please contact me at  XXXX  with any questions.  <P/>  XXXX   XXXX   XXXX
I made numerous attempts to get this resolved.. because it is an aging account the hospital no longer has the information to provide, and will not give any information. I am always being referred to the collection Agency, I 've spoken to a young woman by the name XXXX who works for Quality Asset Recovery.. She to stated that they are a 3rd party with only limited information. only can confirm the amounts and the date.. Which I do NOT agree with.. Dates of service are XX/XX/XXXX and XX/XX/XXXX. Coded as XXXX XXXX???? Per XXXX XXXX XXXX XXXX. Whom have been very helpful in assisting me getting clarity. I am not a person who gets sick or ill, My last XXXX was in XXXX, after the XXXX XXXX XXXX XXXX, I opted to have a XXXX XXXX. I 've have never gone back to have any other XXXX thereafter. I am deeply concerned that I am being billed for services not performed, or a claim was submitted without my knowledge : I have always been insured I was a member with XXXX since XXXX. They even stated you really do n't have anything major pending the entire time you were a member. 
if possible I want this resolved and removed and investigated, I cant get any answers with the assistance maybe you can.
i have numerous emails that have come thru my job regarding issuing warrants, threats. also many vulger phone calls in which i am called every nasty word there is and my daughter also regarding XXXX her, my XXXX XXXX, etc. if i did have a laon with them i have no knowledge of this debt not being paid. i need documentation from them but can not get it. if i had a loan which i have n't done a payday loan in years i would remember this. i can provide bank documentation from bank. but i need to know where they come up with this debt they say i owe.. i received an email today that a warrant will be issued tomorrow XX/XX/XXXX at XXXX. Arrest warrant I 'd : - XXXX which will be going to release on Friday XXXX XXXXAttentionThis is the last and final chance for you. 
This Legal Proceedings issued on your Docket Number XXXX with XXXX of Cash net usa Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of cash net Usa has decided to mark this case as a flat refusal and press legal charges against you. CASE NO : XXXXAmount Outstanding = $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.
Bank of America Sent a package of documents about FHA Loan : 1. Original FHA-Insured BoA Loan # : XXXX ( XXXX ) 2. Address : XXXX, Maryland XXXX 3. This loan was a 15-year fixed issued on XX/XX/XXXX ( XX/XX/XXXX ) 4. BoA affected a FHA-HAMP modification and altered the term to 32-years 5. BoA has not explained how a 15-year fixed is now a 32-year fixed loan which has been sold to XXXX as of XXXX XX/XX/XXXX. 
Please require BoA to explain and fix the error so that we do not have to resort to litigation. 
Thank you
DEAR SIRS DIRECTOR AND RESEARCHERS CFPB US FEDERAL AGENCY XXXXXXXX XXXX XXXX GREATER OF AGE AND NATIONALIZED IN THIS GREAT COUNTRY- I WANT TO NOTIFY THAT POTENTIAL SUSPECTS COME XXXX WITH MY ACCOUNT OF TDBANK-XXXX. EXTORTION-IF I DO NOT LET ME REMOVE MY LAPTOPS.XXXX APPEAR TO BE EMPLOYEES OF XXXX XXXX XXXX BECAUSE SOMETIMES I LEAVE IN MY LAPTOP THE HOUR OF XXXX XXXX CALIFORNIA FOR EXAMPLE IN XXXX, ARE XXXX BUT IT APPEARS TO ME THAT ARE THE XXXX XXXX XXXX ... THE OTHER IS A XXXX  OF XXXX XXXX XXXX XXXX WHO SEEMS TO LIVE IN XXXX XXXX OR XXXX. HE IS XXXX AS A XXXX XXXX ... AND THEY ARE COMING XXXX BULLYING FOR XXXX XXXX XXXX XXXX IN XXXX AND XXXX XXXX IN XXXX, XXXX SAY THAT THEY ARE GOING TO LEAVE ME WITHOUT CELLULAR WITHOUT LAPTOPS WITHOUT TELEVISION ... AND WITH MY CONDITION OF HEALTH THAT I AM COMING BATTLING TO CURE ME <THEY SAY THAT THEY ARE GOING TO XXXX XXXX, RETURN ME MAD AND MAKE ME RETURN MY XXXX XXXX. EMOTIONAL XXXX. XXXX XXXX MY LAPTOPS HAVE BEEN HACKED BY THEM AND MY ELECTRONIC MAILS USED TO ENTER COMPLICATED SITES THE BULLYING IS THAT YOU HAVE BEEN USING MY DEBIT CARD TO PURCHASE XXXX ELECTRONIC OR FILAMENT PARTS. THE BULLYING HOME XX/XX/2016 TO PRESENT ... ..THEY SAY THAT I LOSE TIME BECAUSE THEY ARE WELL HIDDEN. AND IT FASCINATES YOU TO COGER MY LAPTOPS OF DAY OF NIGHT OF XXXX SO I RECEIVE WITH XXXX AND XXXX MAKING RETURN THE XXXX XXXX ... ONE OF ITS PURPOSES. 

THEY HAVE ALMOST BEEN PURCHASING WITH MY CARD ON XXXX I NEVER PURCHASED OR PURCHASED PRODUCTS TO XXXX. PLEASE SEE RECORDS XXXX I ASK YOU TO RETURN ME {$29.00} WHAT IS THE ONLY THING I CAN NOT APPROVE THE ASSISTANT OF CURRENT ACCOUNTS ( SEE CLAIM ) AND ATTACHED PROOF.
I received an adverse action notification. I did not " apply '' for a loan, only made an inquiry about rates. The agent said he would do some investigating on how he could get me a better rate. He made several attempts to contact me but I did not respond because we were not prepared to move forward with his company. A few days later I receive an email an adverse action notification???
I would like to file a complaint against AFNI , Inc. for violating my rights listed in Fair Debt Collection Practices Act, 15 USC 1692g. I received a letter from AFNI on XX/XX/2018 that was dated for XX/XX/2018 regarding a debt with XXXX XXXX XXXX XXXX. I sent a dispute in response to this letter ; via certified mail, on XX/XX/2018. The letter was received and signed for on XX/XX/2018, by a XXXX XXXX. In my letter I disputed the debt, requested validation of the debt from their company, based on my rights, in reference to the Fair Debt Collection Practices Act, 15 USC 1692g. 
The debt is still showing on all three credit reports, and they have also stated the debt is valid in a dispute I made with XXXX  on XX/XX/2018 after sending the request for validation. I sent all correspondence between AFNI, Inc. and I to XXXX, regarding this debt. Even though AFNI, Inc. had not provided me any information regarding the debt in question, AFNI, Inc. responded to XXXX  that the debt was valid. 
I still had not received a response and the collection was still showing on my credit report on XX/XX/2018 so, I sent them another letter ; via certified mail, requesting removal of this debt from all collection agencies. This debt has not been removed from any of my three credit reports ; therefore, I would like to file a complaint against AFNI , Inc., for violating the Fair Debt Collection Practices Act, 15 USC 1692g.
XXXX and Experian have a XXXX 's XXXX ( Balance listed {$260.00} ) on my file. I have paid this account off. I have disputed it twice with these companies and they continue to leave the balance. Each time they have returned no investigative results for the disputes. 

This is a violation of my rights under the Fair Credit Reporting Act.
My current lender Quicken Loans is consistently calling me or emailing me with " money saving '' opportunities. In the beginning of XX/XX/XXXX a rep named XXXX called me and we briefly discussed these " potential '' savings. At no time was a verbal authorization given to run a credit inquiry for me. XXXX stated he was going to talk to his team leader to see what options we would have for me being that I am such a " great '' customer. I was then alerted that my credit report was ran for a hard hit. I then emailed XXXX stating that I did not authorize this inquiry. XXXX then apologized for doing so and I asked to speak to a manger. The manager named XXXX ( last name unknown ) stated that he listens to the calls and stated there was " permissible '' authority granted which was not the case. Quicken loans misleads their clients stating that they can save you money only to find out they can not and " you are in the best position right now ''.