WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX from XXXX on XXXX XXXX, 2015 after 26 years of employment. 
Prior to our retirement, my wife and I decided to buy a home in the state of Georgia. 

In preparation, we saved more than XXXX % for down payment on a {$310000.00} house. We both have excellent credit ( FICO scores ranging from XXXX-XXXX ), my wife receives {$2000.00} monthly Social Security payment ; I receive bi-weekly compensation of XXXX. In addition, we have a combined XXXX in 401K, and I will get an annual pension of at least {$31000.00} starting on XXXX 2015. 

Now that we are in the process of getting a mortgage, lenders are advising me that they can not use my current compensation as income due to XXXX regulations which require income for three years. When I advised them that I will have a pension in XXXX, following the termination of my compensation, in XXXX, they said that I have to show an actual pension check. 

Here is the situation, during my years of service with XXXX, I accrued more than 500 hours of XXXX, and over 1200 hours of XXXX of which I will be compensated for XXXX. Unlike management employees, XXXX does not pay a lump sum to its union employees for accrued leave at separation. Instead, I will remain on the payroll until XXXX XXXX, 2015 when both XXXX and XXXX are exhausted, at which time my pension will start. 

To satisfy the XXXX : XXXX : Other Sources of Income ( XXXX/XXXX/2015 ) Verification of Retirement and Pension Income : Document regular and continued receipt of the income, as verified by letters from the organizations providing the income, I provided the lenders with a copy of the letter from XXXX ( XXXX XXXX XXXX XXXX ) advising that my hypothetical retirement date is XXXX XXXX, 2015, at which time I will begin to receive my pension distribution of no less that {$31000.00} per year, depending on the option I chose. 

The mortgage product that we are seeking is a 15 year fixed, with XXXX % down payment. Instead, XXXX lenders, using the XXXX regulations, advise that they can only provide a 30 year fixed mortgage to us since my current income, which will end XXXX XXXX, 2015, and my pension income which will start in XXXX 2015, can not be used. A XXXX lender is willing to use my pension income to give us a 15 year fixed, the product that we want. 

This leaves us with doubts about the whole mortgage financing system. We now wonder which lender is right. Or is the Fannie Mae regulation being misinterpreted. We can not understand how a person who has excellent credit, more than a XXXX % down payment, who worked for 26 years with the same employer, and who will receive a pension be denied the mortgage product of choice. Please, someone help us understand this.
I have paid money every month {$100.00} or {$210.00} every month for 3+ years on time to be applied to the principal. I work XXXX jobs, care for XXXX children and had the payments on auto pay, I finally checked my balance and realized that the balance had not really gone down. Plus I was being charged this superfluous " membership fee '' of {$3.00} each month, unbeknownst, unauthorized, and unwanted. I sent a letter requesting immediate credit for payments on the principal and refund of the membership fee to be either refunded or applied to principal balance. This is Capitol One " credit card '' and I took it out of my wallet as they fraudulently charged me fees and misappropriated funds that were to go to the principal balance.
I mailed a letter to DIVERSIFIED CONSULTANTS INC on XX/XX/XXXX stating that the account for XXXX XXXX did not belong to me. I requested that proof of validation and verification be sent to me right away. I received a letter from XXXX showing that the debt was valid and a statement was attached showing a balance but no verification that the account was opened or belonged to me. I requested a signed contract with my signature for the debt and it was not provided to me. So I am requesting that this debt be deleted from my credit.
Attempted to refinance my home loan, the parties stole my personal identifying information, tax information, credit information and my other most personal information and used it to fabricate an illegal table funded loan naming as payee an entity that was registered with the XXXX but who did not loan me any money. I never authorized delivery of the note, security instruments or other documents. No contract was consummated and no security was created. Many documents have been fabricated and record in the Official Records of the XXXX XXXX County California Recorder 's Office. Despite repeated attempts to get evidence that the recitals contained within these documents is true, none has been provided. The parties have admitted that the documents are false and without evidentiary support but have failed to remove these invalid documents. Instead they are attempting to use them in order to proceed with a non-judicial foreclosure of my residence.
In XX/XX/XXXX, I took out a XXXX XXXX " XXXX '' deal to pay for my Iphone 6+ along with my regular monthly payments. This is my only debt apart from my monthly credit card debts XXXX XXXX cards ). I pay all XXXX debts through auto payments. When I applied to renew my home, car and liability insurance with XXXX XXXX XXXX, I received a notice from them that the company had a credit report from Lexis Nexis from which XXXX had constructed a score to use in pricing my insurance. The note also said I could apply to Lexis Nexis to get a free copy of my credit report. I called Lexis Nexis on the automated phone request system but never received a report. Exactly the same thing had happened XX/XX/XXXX except that then I tried unsuccessfully to phone and then instead wrote a letter dated XX/XX/XXXX to Lexis Nexis XXXX I still have a paper copy-see below ). This time, XX/XX/XXXX, instead, I did not write but tried again to phone the Lexis-Nexis XXXX XXXX, and was put on hold for about 10 minutes and then cut off. 
Though I have few debts, I do want to monitor my credit reporting history to ensure accuracy, and I am frustrated how to get my right to the report without vast expenditure of time and energy. Please advise. Thank you. 
PS. the attachment briefly shows in the box and then lands below the box below!
My husband and I returned our leased XXXX XXXX to XXXX XXXX after making EVERYsingle motnthly payment on time for three full years. Two days after we left the car at the XXXX, Maine dealership, we were called and told that we owed Ally Financial {$190.00} to repair a 2 '' scratch on the rear panel of the car. We were surprised when they told us to leave the car on the side of the building because they were busy, and that no paperwork was needed to drop it off, so we actually took some pictures of the car before we left. When they called us, we disputed that there was a 'scratch ' on the car and told them we had photos to prove it. They said they had to repair the scratch and we owed them {$190.00}! We had two or three phone conversations with Ally and told them we wanted to see pictures of the scratch, pictures of the repair, and the repair bill proving that they actually did anything to the car. They said they had already removed the car from the lot and they did n't have anything to give us ; i.e, "  just pay it. '' We told them we would not pay it until they showed us proof that what they were claiming was true. The phone calls stopped and we assumed they did the right thing and dropped their bogus sham. We learned a month ago that they reported it to the credit burea. How can they just report bogus information without even providing us proof that the charge was valid? Because they know it was not. This is abhorrently wrong ; there was no damage and we have photos to prove it. Let 's see them prove their case! Please have this ridiculously nasty attempt at extortion removed from our credit report. Thank you
This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$3400.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Collection account. {$3400.00} past due as of XXXX XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX.
Debt is not mine ; XXXX misunderstood my previous submission and is treating the situation unfairly. 

If you would review my previous statement : This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. This needs to be removed immediately. 

XXXX needs to contact the ORIGINAL company as I stated in the above referenced case ; I never stated I attempted to contact NCAC ; Instead I stated the company ( XXXX ) stated these details. No idea why XXXX would 've ever even purchased this account. We dealt with the original management agency of XXXX ; The account in question ; had multiple phone calls with the manager of that office and was told I would not be liable for this debt. 

XXXX needs to provide research into this matter, They need to contact the MANAGEMENT company at the TIME of the case between XXXX-14 - XXXX-14 which will notify them that I am not liable for this account, I would like XXXX to provide the details of the company they contact so that I can take appropriate legal action in the County to handle this if it 's not resolved immediately.
Opened Citibank Citigold Checking with Promotion Code XXXX. This promotion promised a {$500.00} bonus with the following terms : 1 ) Open new checking To qualify to earn a {$500.00} cash bonus, first open a new consumer checking account in the Citigold Account Package. Then, within 30 days after account opening, deposit {$50000.00} or more in new-to-Citibank funds into your new Citigold checking or new or existing Citibank Savings Plus Account. A minimum balance of {$50000.00} is required to be maintained in the new Citigold checking, or new or existing Savings Plus Account for 30 days from the date that the {$50000.00} deposit is made. '' " The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. ". 
Account opened XX/XX/2016. XXXX XXXX {$50000.00} deposited into account. 30 days later, XXXX XXXX, qualifications for bonus were met, {$500.00} deposit should have posted no later than XXXX XXXX. I inquired in XX/XX/XXXX and received confirmation letter that qualifications have been met and bonus would post 90 days after qualifications were met. On XXXX XXXX, I had on online secure chat with Citigold representative who confirmed that all requirements have been met, and bonus would post XXXX XXXX. Bonus did not post. Made numerous phone calls and was told there were processing delays and bonus will post. However, this is a bank and they have defaulted on their obligation. I would like my {$500.00} bonus to post ASAP.
I PUT A CREDIT ALERT ON MY CREDIT FILE, AND SEVERAL INQUIRES HAVE BEEN REPORTED ON MY REPORT THAT I DID ; NT APPLY FOR OR AUTHORIZE..CREDITORS ARE SUBMITTING INQUIRES MULTIPLE TIMES SOME AS MANY AS 4, BUT I DID'NT AUTHORIZE IT..I HAVE CONTACTED COMPANY 'S AND ASKED THEM TO PLEASE REMOVE THESE INQUIRES THAT I DIDNT NOT APPLY FOR NOR DID I AUTHORIZE..HAVE CONTACTED CREDIT BUREAUS ON SEVERAL OCCASIONS AND STILL TO NO AVAIL..THEY HAVE REMOVED THESE FRAUDULENT INQUIRIES..I 'VE CONTACTED ALL 3 BUREAUS..BUT THE MAIN ONE IS TRANSUNION..
I have tried having them work with my payments to be postponed since I am currently unemployed taking care of my XXXX child, no type of assistance has been offered. They have reversed payments on my account without notice or my consent. They have done adjustments to my account that I do n't know why they were done. They are charging such a high interest on my line and it 's set as a variable interest instead of fixed. I have tried releasing my cosigner and have releasing my cosigner and have been told no paper work or incomplete paper work was received so my application has not been accepted.
I had a XXXX bill that had gotten sent to collection earlier this year. The company that reported on my credit report was said to be GC Services. So in a temp to pay all of my debts off when I got a new job, in the beginning of XXXX, the XXXX to be exact, I paid my balance of {$600.00} in full. I was given a confirmation number and told that a letter would be sent to me within 30 days as will the debt be up to date and noted that I paid my balance in the same time frame. By the time the 30 days were up, and I even gave it a few extra days, I had received no confirmation letter and it was still reported that my account was still in collection. I called GC services to try to get an understanding of what was the hold up and they told me that my balance was at zero and that the issue was with TransUnion ( creditor ). Had given that information, I contacted XXXX in which I disputed the account and gave the confirmation number as part of the investigation. I got my results from the investigation that showed there was no change in my account and My account was in collection with GC Services. So I called GC back to see where was my confirmation letter so I can prove that I paid the debt to XXXX because XXXX was saying that when they tried to verify the confirmation number with GC Services, it was reported that The confirmation number was not valid. I called and called until they ( GC Services ) finally sent a confirmation letter that I did n't receive until XXXX. So immediately I went ahead and faxed the letter to TransUnion in which XXXX of the representatives told me to do and it will take 5-10 days to review. I got a letter in the mail from XXXX that said once again, there was no change in my account. I called to speak with the Supervisor and the Gentleman told me that they sent that confirmation over to GC Services to verify and they and I quote " Would not '' verify that the document was legitimate. Every time I ask either company could they contact the other directly they tell me that they could not, the other company as to contact them. Each one says it 's not up to them it 's up to the other and the Supervisor at GC Services told me that It is out of her hands because she did her part ... .. As I 'm explaining the situation to each company, both are placing the blame on the other saying things like " Maybe there system is n't up to date. '' I called and verified that everybody 's ( both companies ) system updates immediately. GC Services says that XXXX never contacted them, TransUnion says they tried to contact them multiple times and they " wo n't '' verify that my account has been paid in full. At this point I do n't know what to do. I can not get approved for my place because of this account. I can not replaying my credit because I am in debt for something I paid months ago.. I do n't know who 's lying or if both companies are lying. I just want this account to be up to date and if not, I would definitely love my money back to whoever I paid.
XX/XX/XXXX XXXX including legal fees I received a call from a restricted number. The person on the other line claimed to be a processor and advised me to contact the following company regarding the matter. The number given directed me to XXXX XXXX XXXX XXXX. I was told that I am being sued for a debt that I have no knowledge of from XXXX. XXXX XXXX XXXX was rude and threaten that I would be sued and have to appear in court. In addition. I contacted the original creditor that I advised me the debt was sold in XXXX to XXXX XXXX XXXX that has since went out of business. I was told by the original creditor that the statue of limitation had ran out and that XXXX was using unlawful tactics to collect on a noncollectable debt.
I have an Experian member account under the name I use on a daily basis. In XX/XX/2016 I had identity theft. I filled out the FTC Identity Theft Report & police reports using my full legal name as the form requested. 
When I extended my fraud alert to 7 years using my full legal name, I discovered Experian has me in their system under both names, as if I 'm two different people with two different report numbers ; one report number accepted 7 yrs & other asked for same backup info I sent with the accepted report. The Experian site does n't offer an option to correct it. I was on hold 3 hours before I got live person to talk to & was told he could n't do anything about it. And that I 'd have to contact their XXXX which he told me is their Corp office. They are only ones who can fix it. I emailed them & my email was blocked. I 'm dealing with Identity Theft trying to keep my information correct and secure and I ca n't reach Experian, who 's supposed to be protecting it, to put my reports under the FTC ID Theft report number I filed.
XXXX XXXX has " PAID '' electronically on XXXX XXXX, 2017 the amount of XXXX XXXX XXXX dollars and XXXX cents {$520.00} towards my M & T Mortgage loan ( ending in XXXX ) for the month of XXXX 2017, and I am responsible for the remaining balance of {$350.00} as this is my last homeowner assistance payment per the letter I received on XXXX XXXX, 2017. On XXXX XXXX, 2017 I called the M & T Bank General Customer Service phone number and spoke with M & T Bank employee XXXX whom stated that the payment is not there. I called back again after speaking with XXXX XXXX XXXX XXXX and I last spoke with M & T Bank employee XXXX XXXX, supervisor ( so stated ) in regards to my XXXX XXXX, 2017 mortgage payment. XXXX XXXX whom stated that works in the Mortgage Assistance Department with M & T Bank that she would need to send an email to another department that receives the Mortgage assistance payments and will note my account. XXXX XXXX XXXX  program stated that the payment was sent electronically to M & T Bank on XXXX XXXX, 2017 in the amount of {$520.00}, and The PAYMENT is THERE. I find it ludacris that with all that I spoke with at M & T Bank today, XXXX XXXX, 2017 claims they can not find the payment made by XXXX XXXX. Later I went ahead and paid the full amount of the mortgage of {$880.00} online for the month of XXXX 2017 mortgage and want the amount of {$520.00} " CREDIT '' towards XXXX 2017 mortgage payment. The last XXXX  XXXX Assistance payment should not have been returned and the employees I spoke with at M & T bank claims that the last homeowners assistance payment is not there.
Last year in or around XX/XX/XXXX I opened and account with the XXXX XXXX XXXX for my son. This account was open temporary because in order to have an XXXX you must have a major carrier. Then my exwife will pay my son cell bill. I call XXXX XXXX XXXX and told them that I want to change the plan from month to month and then I canceled the account. XXXX XXXX XXXX kept sending this bill for {$50.00}. I DO NOT OWN THIS COMPANY ANY MONEY. 
collection agency ( Credence XXXX XXXX XXXX XXXX
In reference to complaint # XXXX, Seterus quoted the following : " if Borrower is obligated to pay Escrow Items directly ... Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section XXXX and pay such amount and Borrower shall then be obligated under Section XXXX to repay to Lender any such amount. ". This is not valid in my case. Because, I am under monthly payment arrangement with the County of XXXX to pay my property taxes. Therefore, 'Borrower fails to pay the amount due for an Escrow Item ' does not apply in my case. XXXX mortgage probably recognized the mistake, and did not open a regular escrow account in which they will make the payment of property taxes as part of monthly regular mortgage payment. XXXX mortgage payment resulted in excess payment of property taxes and the County of XXXX returned the excess payment to me. Seterus also made the same mistake and failed to check either with me or with the County of XXXX whether there is any payment arrangement. Seterus ignorance of XXXX actions and their own failures to verify the status of property tax payment arrangements, they opened escrow account resulted in serious financial damage.
At this time we, XXXX and XXXX XXXX are looking at filing a Chapter XXXX bankruptcy petition. We are receiving too many calls at our home and on our cell phones from the collection departments of the credit card divisions of many banks, and we need all communications to cease immediately. We have retained a law firm to handle our affairs, and we want all future credit card statements to be forwarded to the following entity : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Washington, DC XXXX.
On XXXX/XXXX/2016 I received a letter from " LOANCARE '' that I owe them a total of {$3500.00} and late fees of {$54.00} ''. This is news to me because I have made all my payments to " XXXX XXXX XXXX '' which is the company I refinanced my mortgage. If the loan was sold or passed down to LOANCARE, then the most common sense thing would have been to one ( 1 ) XXXX XXXX XXXX should have stop accepting my payments or two ( 2 ) transfer the payments to the current loan holder LOANCARE, or Three ( 3 ) notify me by mail or by phone. None of which happened, instead I 'm receiving threating letters from LOANCARE that I 'm delinquent on my mortgage and I owe them late fees. I have never been late on my mortgage since refinancing my mortgage with XXXX XXXX XXXX, and I should be a month ahead of my mortgage payment and I should not have to pay any late fees.
I woke up to check my payroll card and it had XXXX dollars on it. I called to find out how when I just had XXXX $ on it before I went to sleep and I was told it was a transaction at XXXX XXXX from XXXX XXXX. The name of my card is XXXX XXXX XXXX.
We have been processing a short sale for months now with Wells Fargo. They ordered a new BPO and appraisal and were updating me a few times a week that they were just waiting for the value to come in. They sent me a few emails last week that they escalated the BPO results and would let me know ASAP as soon as it came in. Not having heard anything, I sent a few follow up emails to the negotiator and his manager but they went unanswered. I followed up with a phone call and was told that the file was removed from short sale 2 days ago and a sale date was scheduled for XX/XX/XXXX. They said there was no one available that could speak with me regarding this file.
I have file a complaint with the federal Trade Commission over a issue that has been on going since XX/XX/2018 I need my credit report update properly for the third time with all 3 credit bureaus XXXX XXXX, Equifax, and XXXX. Please see attached complaint.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has filed false charges with the XXXX police department, XXXX XXXX XXXX, of XXXX XXXX failed to route my Cashier checks through the Federal Reserve. XXXX XXXX XXXX has failed to honor my Substitute Check Rights. Included with this filling is a copy of the substitute check the XXXX XXXX XXXX, failed to disclose.