WillisBack/dataset-financial-user-claim huggingface dataset:
I co-own a property that I took a home equity loan on with Bank of America ( BOA ). The property taxes were supposed to be paid by myself and the other party. I paid my share, they did not. BOA contacted me informing me that taxes must be paid to protect their interest. I was initially given XXXX days to resolve the issue but was told I could call to request an additional XXXX days if needed before they would open an escrow account and pay the taxes. I immediately went to my attorney and went through a refinance of my current property to obtain the funds to pay off the loan so the property taxes would no longer be of concern to BOA and remain the burden of the " other party ''. I went through a lot to get the refinance done within the additional XXXX days that were granted ( giving me until XXXX XXXX, 2015 ) meetings, paperwork, appraisal and closing costs. When I had the funds available to pay off the loan ( still prior to XXXX XXXX ) I contacted BOA and they told me they went ahead and opened the escrow account and paid the taxes sometime the first week of XXXX! I was shocked and dismayed and was basically told I was out of luck. The burden was now on me and even though I would be paying off the principal amount, a portion would go to the escrow leaving a principal balance still open and therefore not only making me liable for the previous taxes but setting me up to be responsible for any future taxes the other party would likely not be paying as well! My husband is permanently XXXX with XXXX issues and I really can not afford to pay someone else 's bills! Also, we take pride in our good credit and this could ruin us. Their " XXXX XXXX XXXX '' wo n't even return my calls.
I fell at work XXXX feet and sustained XXXX. I was out of work from XX/XX/XXXX the day of the accident until XXXX/XXXX/16 when I was allowed to return to work. Capital One knew I had been hurt and was out of work, my workmans comp case was originally approved for {$970.00} per week, almost 30 days after my accident the XXXX XXXX, XXXX XXXX decided to deny the claim so I received no money for two months. I kept in contact with capital one all this time I tried to make two payments one for {$420.00} and one for {$320.00} I told them that I was applying for short term XXXX since the workmans comp was denied and that it would be some time before I had payment. They also knew that I had obtained legal counsel XXXX XXXX XXXX to sue for the back wages and medical bills. I let capital one know that when I received the law suit money I wanted to pay the loan off. approximately four weeks before my court date Capital one without letting me know by phone or by letter came and took the car it was driven to XXXX XXXX all my personal belongings were thrown in boxes I had money stolen from the car it was not in the boxes I called Capital one and they said they had no control over what the repo company did but they are the ones paying them. My employer did not pay me the proper short term XXXX payments some weeks I only received {$300.00} for two weeks time, there was no money for me to make any kind of payment. I had money in my XXXX XXXX 401 K I tried to take it out on a medical basis and they would n't accept the medical bills because there was no insurance payments but I told them that workmans comp denied the claim so there was n't going to be any insurance payment. I then took out a loan to try and get the car back and Capital one has moved the car from the state I am in XXXX and put the car in XXXX, so it puts undo stress on me to have to drive down there and drive back in the same day I asked Capital one to please move the car back to XXXX and they are refusing. If they would have told me if they do n't receive payment there were going to go through the repo process I would have taken the loan out like I did and pay for the car before it was taken now there is more money I have to pay for the " holding charges '' and the repo charges and it goes on my credit again. None of this had to happen if they would have communicated with me I would have told me please wait and let me take the loan out and get what ever funds to them, now I have no car and have had to loan one which is more expensive than a payment and I ca n't get another car with this one car with them in repo status what am I to do the court date is XX/XX/XXXX settlement will be made they already had the deposition and the attorney said to get the bills together they would pay. I do n't understand why they did n't communicate with me or send something in writing I really feel they took advantage of me now my car is in another state and I had my stuff stolen and more charges to pay then I can afford now.
This is a complaint about checking my credit report to find unauthorized credit inquiries on my credit report that was not requested by me that Experian continues to verify. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX,
Dear Experian I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
2.XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
3.XXXX XXXXXXXX XXXX This account is reporting inaccurate. 
4.IXXXX XXXX XXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.
My original mortgage at closing was about {$1800.00} I paid this amount for one ( 1 ) year. This included insurance and property taxes.

In XX/XX/XXXX, I received a shock! The mortgage company neglected to put in the MUD taxes in the note resulting in a $ XX/XX/XXXX increase in payments. This was a deceptive practice because being a retired police officer, I would not have purchased this home. I called everyone to ask why wasn't this amount put into the closing documents when my payment was estimated. No one knows the answer. It seems that I'm in this municipal district in addition to my property taxes. How in the world can that happen. anyway in order not to lose my home, I borrowed the money off my credit card and paid the taxes on the house directly. I then asked the mortgage company to adjust my escrow for this year.

Now they are threatening me with foreclosure. When I sent in my payment of {$1800.00}, they applied it to the escrow without my permission. I have sent the mortgage payment the same way for the past year but in order to continue this unfair tactic, they applied it to escrow. I guess they make a lot of money off interest in escrow. Now they want {$4000.00} f0r the mortgage payment. I need them to adjust the escrow so I can pay the mortgage.
In your XX/XX/XXXX response to my complaint you state We did not receive a complete forbearance request from you in XX/XX/XXXX where you agreed to the terms and conditions of the forbearance. Please explain why you are now stating you did receive the forbearance in XX/XX/XXXX when prior you stated you did not. Please also explain what exactly was incomplete about the forbearance you received in XX/XX/XXXX. You go on to state We are unable to retroactively apply a forbearance to your loans, per your request. Please explain why you did just that, in XX/XX/XXXX, despite the forbearance being incomplete as you claim. You go on to state nor will any late fees assessed or interest accrued be removed. Please remove these fees, the interest, and your derogatory XXXX credit agency reporting as previously requested.
Perfection Collections has placed an account on my credit report. I have never heard of this company, never received any type of notice giving me 30 days to dispute the information before it was placed on my credit report. This company is a debt buyer that has bought a charged off account, and I have no legal obligation to pay them anything, I have no contract with this company, and do not owe the original creditor anything. I have asked for validation showing that I am legally bound to this company for the alleged debt, and they have not sent anything as requested via certified letter that was mailed to this company. I am demanding that this account be deleted from my credit reports. This is a clear violation of my rights under FCRA, and I am obtaining legal representation. I am in the process of buying a home, already obtained pre-approval for a loan, and now that this account has been placed on my credit report, we will have difficulty obtaining final approval, and we already have money invested, so I will be filing a lawsuit, if this account isnt removed from my credit reports, seeking damages for the money I will be losing because of this account being placed on my credit report, preventing me from now getting the mortgage loan.
I was unaware that the security deposit was what I needed to activate card and would like my  XXXX  dollars refunded
Debt collectors suing me for credit card accounr past stature of limitations. I had the account in XXXX but I moved to XXXX and thats where i 'm being sued.
On XX/XX/2018 I disputed and requested validation from Diversified Consultants, Account # :XXXX  via certified mail that they received on XX/XX/2018. I received a response letter from Diversified Consultants dated XX/XX/2018 with a photocopy of a bill. A copy of a bill is not validation of a debt. Is it possible to validate a debt in two days? On XX/XX/2018 I sent another letter via certified mail ( received XX/XX/2018 ) requesting validation of this account and the procedure used to determine the accuracy and completeness of the information. As of XX/XX/2018 I have failed to receive validation. These are violations of the FDCPA including but not limited to Section 807 ( 8 ) and FCRA including but not limited to Section 623 ( b ). This needs to be deleted immediately.
Cach llc has failed to verify the {$1200.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification several times, month after month since XXXX 2016. I still have the documents i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action to file a small claims lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. Cach llc is headquartered in XXXX, XXXX but there is no active status in California according to " California XXXX '' so i 'm not sure who or what should i label as the defendant on my lawsuit due to jurisdiction statute. I 'm ready to take action, I just want the reported debt account to be removed from all XXXX of the credit bureaus, as it is illegal reporting.
XXXX is reporting that I am an authorized user on a Capital One credit card with a high outstanding balance. I am not associated with this card. It is an outstanding balance on {$5500.00}. I have no knowledge of this account. Please delete.
I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to the credit bureaus with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.
I contacted XXXX XXXX XXXX in XXXX XXXX. Received information to pay off a debt for a XXXX XXXX XXXX through XXXX XXXX. I paid the debt off in the amount of {$3200.00} on XXXX XXXX, XXXX. When I paid off the loan through XXXX XXXX they explained that it could take up to 90 days before I would see the reflection on my credit report. After waiting 6 months, I contacted XXXX XXXX ( XXXX XXXX ) to report to them that my credit was still negatively being affected. They suggested I contact XXXX XXXX XXXX to resolve this matter as once I paid off the debt they were no longer an active party. From XXXX XXXX to XXXX XXXX, XXXX, I repaid XXXX  XXXX XXXX another {$460.00} debt to release a hold I had on my records. Once my record was paid in full I contacted XXXX XXXX accountant in the student loan office to confirm there was a XXXX balance on all debts owed in my name to the College. She assured me that I did, indeed, have a XXXX balance. She sent me XXXX letters stating that I have paid my debts to XXXX XXXX XXXX in full. She advised me to file a dispute with Equifax which I did in XXXX XXXX, without the letters, which they closed, and another in XXXX XXXX with the letters from XXXX XXXX XXXX as proof. I received notification from Equifax on XXXX XXXX, XXXX, stating that they contacted XXXX XXXX XXXX and that XXXX XXXX XXXX said that the debt was not paid. On XXXX XXXX, XXXX, I went to XXXX XXXX XXXX to speak with them in person about this matter. I spoke directly with XXXX XXXX who contacted XXXX XXXX who explained they never reported any of the debt to any credit bureau. Please note that Equifax is the only credit company reporting this debt in any form on my credit reports. XXXX attempted to contact Equifax. Equifax had a recording which stated that " you have reached the maximum attempts to contact Equifax '' and then disconnected the line. She also stated that she never received any documentation or phone call regarding the credit dispute from Equifax. XXXX said she 'll continue to look into it on her end and suggested I take further action as this has been negatively impacting my credit score. Equifax also advised me to follow up with XXXX XXXX XXXX providing the wrong address for the location.
Every 5 seconds or so, some one is being victimized, and unfortunately for me I've obviously been a victim cause there's things on my credit report inwhich I absolutely have no knowledge of, and today I'm attempting to remove these collections off of my report. As written in The FCRA, if the accuser and/ or reporting agency can not provide physical proof of the accused account then such accounts shall be deleted immediately. The dates in question are as following, XXXX, XXXX, XXXX
I have a loan with XXXX XXXX and was making my payments and making them on time. One day I was notified that my payment went from {$64.00} per month to {$600.00} per month and the new payment was effective immediately. I called XXXX and was told my payment went up because my income changed.I explained to the rep that this was incorrect and not my income had not changed. I made several phone calls only to be told I had to make the {$600.00} per month payment. I was unable to make this amount of a payment and this caused my account to become overdue. I called many times trying to get an understanding but to no avail thus causing XXXX to report the delinquency to my credit bureaus. After several months of the negative reporting I called XXXX again and this time I spoke with a representative and after being on the phone with her for several hours she said the problem was their mistake because they had listed my income incorrectly. She said they had my income listed as weekly instead of the fact that I got paid monthly. I asked if this could be corrected on my credit report since they had made the mistake and she said it should not be a problem but that was handled through another department and emailed me the form to submit. I submitted the form only to receive a response that my dispute was denied. I was not give an explanation and according to their policy I am unable to speak with anyone via phone about this issue. I am requesting that my credit report is corrected.
Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and XXXX have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.
I have attempted to contact the credit bureaus on    XXXX   XXXX    requesting proper documentation for the things that have been reported. I did not receive a response, on    XXXX   XXXX   I c alled all three bureaus they stated they would provide proper documentation within 30 days and I have received nothing.  <P/>  XXXX   - {$3200.00}, {$2900.00}, {$1300.00}, {$2100.00}, {$1500.00}, {$2000.00}, {$950.00}, {$1900.00}, {$140.00}   XXXX   XXXX   - &  XXXX ,  XXXX   XXXX   XXXX   XXXX   - {$460.00}  XXXX - {$710.00}   XXXX   XXXX   - {$1200.00}  XXXX - {$620.00}  XXXX - {$140.00}   XXXX   XXXX   XXXX  - {$150.00} & {$110.00}   XXXX   XXXX   I feel my rights under the FCRA had been violated because I was denied copies of documents that were supposedly used to validate accounts and public records on my bureaus
I describe below in detail the incident. I learned a lot of people are being scammed and the fraudulent XXXX page is still up despite my attempts to put it down. 

1 - I decided to give my wife a puppy for her birthday. I researched on multiple places from physical stores to online. One page was very responsive : XXXX XXXX  XXXX 2 - They showed me multiple puppies and replied promptly to questions about the parents, and etc. They told me to go to a XXXX and make a XXXX transfer to XXXX XXXX from XXXX, Georgia. 

3 - I made he transfer of XXXX USD on XX/XX/2019 at XXXX, XXXX Reference XXXX. I sent a picture of the receipt and he asked me to wait few minutes. 

4 - I received then an email confirming the shipment at XXXX - XXXX XXXX XXXX spoofed email 5 - At XXXX I received a second email from XXXX ( also spoofed ) where they claim there is a problem with the travel crate and that I had the option to rent one so that the shipment could continue. The rental price would be largely be returned once the dog arrived. At that moment I realized I had been scammed and they were trying to get more money. 

6 - At XXXX I receive a call supposedly from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Agent XXXX, the operator had an XXXX accent, he told me to go thru the 2 emails he sent me that he would call again in 5 minutes. At XXXX He called again and I got his number so the person who was shipping the dog could reach him directly. 

7 - At XXXX over XXXX chat I ask the seller to contact XXXX and then he claims it was the first time this happens, that he does not have the money to rent the crate. 

8 - He starts to menace I was not the owner of the puppy, legally responsible for it. I ask him his phone number so that we could discuss so at XXXX he gives the number XXXX. 

9 - I call the number and the voice on the other side was the same XXXX accent I had heard minutes before " XXXX ''. I told him to solve it or give my money back. 

10 - He is then back to menaces I was legally responsible, I was abandoning the puppy and that he would call the copes on me. All this logged on XXXX chat. 

11 - At XXXX I called 911 and they said it was not an emergency so I had to contact the correct agencies, they asked me to call a number that seemed to be a mistake. 

12 - At XXXX I called XXXX who said my funds had gone and they could do nothing about it. ( easy no? ) Since then I called XXXX, XXXX  XXXX XXXX several times. I wont be able to have my funds back as per their feedback. 

I tried to report the page multiple times on XXXX, the page is still up deceiving other people. Nobody seems to care. XXXX autocloses my tickets. 

If there is still someone reading this please stop this people now. I am since Saturday reading tons of reports like mine. Let me know what can be done. Who do i contact? Is the money gone forever? Is this guy happily deceiving other people? 

Please ask XXXX the details of this XXXX XXXX as well as video to catch him. Please let me know if it happens, my feeling of impunity for fraudsters is quite high. 

Thanks for your support.
The company put several ( XXXX ) hard hits on my credit and still refused me a loan. Since then, another company denied application because of the hits. Why did my credit get hit so many times?
The XXXX XXXX XXXX XXXX is suppose to be reporting monthly, the accurate balance, and payment status as current, but the latest credit report shows it was reported on XX/XX/2018 as showing the incorrect balance owed, and I have spoke with a bank represenative a month ago to try and resolve the issue to no avail. It is not helping my credit score to report inaccurate information. I have tried to resolve it but they are still reporting the wrong balance as {$370.00}, when I actually owe {$290.00}. MY credit report says the last time it was updated was XX/XX/2018. The account # for the secured loan, is, XXXX.
i signed up for a paypal credit card so I can make a large purchase on XXXX and get 0 % interest for XXXX year, I never made the large XXXX purchase but continued to make small purchases. paypal took it upon themselves to use there credit card to charge all my XXXX purchases, I never wanted to use this card until I made a large purchase, paypal already had all my bank debit card on file and should of used it to make payments not there credit card, I have used this debit card with paypal for XXXX for the past XXXX years. i feel that in the near future paypal will start to charge interest for every purchase from day XXXX at a very large interest rate. I have also emailed paypal several times and never got a reply.
I've contacted Bank Of America multiple times to validate 3 accounts. I asked them to verify these accounts by sending me a copy of a contract with my signature on it. I also asked if they didn't validate these accounts within 30 days to remove all 3 accounts from the 3 major credit bureaus XXXX, XXXX, and XXXX. in addition, the 3 credit bureaus also received letters to validate these accounts. I'm asking the CFPB to assist me with this matter because BOA, XXXX, XXXX, and XXXX are all noncompliant to my request.