WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, our home was ratified/contracted for sale with expected closure date on XX/XX/XXXX. Prior to showing our home, the buyer, their agent and the lending firm, CityWorth Mortgage LLC provided a letter to our agent that the buyer ( s ) were qualified to purchase our home. While negotiations were made to put our home under contract, we accepted the offer. <P/>Between our agent and the buyers agent, several attempts by our agent were made to ensure the buyers loan had been fully approved. As the seller, we were told by our agent that the buyer 's agent stated many times that there were no need for worries as the buyers were fully qualified and will have no problems obtaining the loan. <P/>On XX/XX/XXXX, we were notified by our agent that the sellers did not qualify for this loan through CityWorth Mortgage LLC and upon further investigation with discussions from our agent, the individual handling the buyer 's paperwork had been let go. During the time between XX/XX/XXXXandXX/XX/XXXX we ( the sellers ) have had gone through the appropriate requirements, such as the Home inspection and took care of the items the seller requested to have fixed, such as Radon, Termite Inspection and  some minor repair to our roof. In preparation for settlement, we have gone through and have moved all goods from our home with the exception of the items the buyers conveyed. <P/>The buyers and their agent were well aware of our intent to retire when discussing the sale of our home which required to schedule and make arrangements to ship our goods to our new location which is outside the U.S. Per our agents discussion, the buyer and lender were to provide proof of loan qualification on or about XX/XX/XXXX <P/>The fact that we had not received any formalized proof prior to XX/XX/XXXX and were told that the buyers are fully qualified from their agent to find that they did not qualify due to credit issues points to fraudulent and negligence as well as deceit on behalf of the Buyer, their Agent and the lender CityWorth Mortgage. <P/>We received notification from our Agent on XX/XX/XXXXwith documentation that shows the buyers clearly were not qualified for the loan. <P/>We are now living in an empty home and have our goods being shipped to our new location, costing us thousands of dollars, adding stress to our lives and potential for our own financial issues due to the buyers and lenders negligence. <P/>We are filing this complaint to address this issue and make awareness to sellers who fall victims to lenders and real estate agents that assure buyers meet qualifications.
Messerli and Kramer -XXXX, MN XXXX. 

This company sent a FAX to my work office with My name the last 4 digits of my SS #, asking for employment information from my employer. 

This FAX machine is a PUBLIC fax machine with multiple people being able to access this personal and confidential information. With bold lettering stating that it is debt collector and an attempt to collect a debt.
I have written to XXXX XXXX on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They continue to stonewall and not answer my request for validation which is a violation of law.
EXPERIAN CREDIT REPORTING AGENCY FAILED TO REPORT THE CORRECT INFORMATION ON MY CREDIT FILE FROM XX/XX/XXXX TO XX/XX/XXXX. THE AGENCY HAS STATED THAT TODAY XX/XX/XXXX THERE ARE NO ACCOUNTS, WHEN THERE ARE CURRENTLY THREE ACCOUNTS NOT BEING REPORTED.
I have an account with US Bank and my husband and I have been with this bank since XX/XX/XXXX. We recently got married XX/XX/XXXX and ever since then my account issues started. I got a new debit card with my new name on it and they wont allow me to go over {$500.00} when our rent is well over {$1000.00}. I have to now write a check through online bill pay in which they sent out but then returned it because I did n't have {$25.00} in our account. After taking my entire lunch to straighten it out the rep said it was the banks fault and took the return check fee off our account. I was so upset and advised her of this and she said she does n't get why I am upset they did me a favor!!!!??? Keep in mind my rental office wont allow me to send in checks now that this has happen. The rep told me we can do overdraft protect for just online bill pay and checks so our bills can be paid and put a " No '' for overdraft for our debit cards I agreed. Well today XX/XX/XXXX I get another return check for my husbands student loan payment because our account was {$46.00} negative. I speak to a XXXX and he tells me its at the banks discretion which was never told me by the previous rep. You would think since we have been with this bank since XX/XX/XXXX and have multiple accounts with them they would cover {$46.00} overdrawn check. I spoke with a manager XXXX who had no compassion at all and told me they sent me a letter telling me the details of this which we never received. I am fed up with this bank and will be closing our account ASAP!
This account has been disputed and it was removed from XXXX but not XXXX and XXXX. Please have removed from XXXX and XXXX also
They falsely reported on my credit report and score. It was sent to collections back in 2011 and just added to my credit score saying I refinanced and renewed my account. I have not spoken to them in years and they refinance the loan? This is fraud and it brought my credit score down XXXX points. They are crooks.
CREDCO IS ON MY REPORTS ... AS A HARD INQUIRY ON XX/XX/2018 ... I HAVE ASKED REPEATEDLY REGARDING THEIR HARD INQUIRY DETAILS AND WHAT INFO AND DATA THEY ARE REPORTING TO BUSINESSES BEACUSE I WAS DENIED A LOAN I ASKED THEM REPEATEDLY TO SEND .ME MY INFO TO XXXX XXXX XXXX XXXX NC XXXX XXXX.
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$380.00} as of XX/XX/2018 This bill should have been paid by insurance and I have never received any correspondence from company. I have written them to try to resolve, but they have not responded. I will pay the entire amount if company agrees to remove all negative information from all credit reporting agencies permanently.
XXXX University located at XXXX, NY. 

Sallie Mae Private loan, unfortunately I can not afford the monthly payment for the private loans because I am still in the process of making direct payments for my XXXX semester that will begin at the end of XXXX No sallie mae representative willing to process In-School Deferment.
I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XX/XX/2014. to this day XXXX & XXXX reports the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now.

The current status should be reporting as Paid & Closed or Closed, not late!

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect
The contractor hired to repair collapsed deck cashed the {$7800.00}. insurance check issued by Ocwen Loan Servicing , LLC, XXXX. XXXX XXXX, XXXX XXXX XXXX Fl XXXX in XXXX, 2013. I have obtained a Judgement against the contractor, XXXX XXXX XXXX, and my lawyer needs a copy of the cancelled check in order to enforce the judgement. After multiple requests over MANY months, Ocwen has failed to supply me with the documentation I need to pursue the judgement and recover the funds the contractor stole.
I sold my truck and deposited the check ( XX/XX/XXXX ) into my checking account ( under 2000 ) When I called the bank ( XX/XX/XXXX ) about not having the XXXX they promised at time f deposit available by the second day I was told they were closing my account and holding any other deposits which came into the account ( including my son 's SSI ). Even though they have spoken to the other bank and were told the account was good and the money was available and that the check would be honored and the bank verified her contact information which is printed on the check as being valid Chase will not accept that. They informed me that even though the check will clear they are still freezing my account, holding all deposits including the check and direct deposits simply because her phone number is not listed under her name. This is a common thing, my phone number is listed under my husbands name. I do not see how they can hold money which has nothing to do with the check in question and to close my account even if the check clears and make me wait up to six months to receive a check from them which I am then supposed to deposit where? I have children to care for including my XXXX XXXX son which his money is one of the things they are threatening to hold. I also have a car payment and we have this annoying habbit of needing to buy food to eat in order to stay alive. They are making it impossible to do this because her working phone is listed in someone else 's name? I do not see how this is legal. From all the research I have done they are supposed to release it within two business days but certainly not more than 7. They do not disclose that they will close your account and freeze all money if you deposit a perfectly good check if the person in question does not have a phone in their name. Again the check has her phone number printed on it and her bank has verified every possible question given to them. I understand holding the check until it clears but to hold everything else and close my account when I just set up two direct deposits is beyond belief and not standard practice. I spoke to 4 different people at chase and two people at the other parties bank in an attempt to resolve this issue this morning. I have to wonder if this issue is an attempt to not pay me the new account bonus. I can not figure out another reason why a perfectly good check which was verified by the issuing bank would cause these problems and that even if the check clears they will not honor it as good.
On XXXX My wife and I with our XXXX very young kids sold our home in XXXX and repurchased a new home in FL, unknowing to us at the time we were given a subprime loan by someone we trusted/realtor we trusted. I was a XXXX in the city of XXXX and wife worked as a XXXX helping sick and elderly people and we both made a decent salary to support ourselves and our kids. At the time we were n't to savvy on how a subprime loan work believing it was the same type of loan as our previous loan with our first home, only later to find out there were investors included this loan for the XXXX home by that time it was too late however we remain persistent and try to make our payments which was astronomical and begin to cause hardship for us, things got so stressful my wife and kids begin to hate the fact that we moved to this new home, she was later diagnosed with a XXXX and had to have it surgically XXXX and as for myself i was suffering from injuries I sustained during the XXXX while working as a XXXX, after her XXXX she decided to move back to XXXX and my kids would later follow her and despised the fact that we had relocated to FL in the first place, meanwhile I was diagnosed with a XXXX which followed by XXXX along with XXXX, XXXX, XXXX, XXXX XXXX XXXX, plus XXXX XXXX. I do n't know how i am able to survive but I am still here by the grace of XXXX. I applied for XXXX from what I understand there is a backlog which mean I have to wait until they get to me. Meanwhile, I am unable work, even if I was able to work I would not be able to find work, as a former XXXX there are no XXXX jobs available. The savings that I have is starting to deplete, I like my home I do n't want to lose it but it seems I am heading in that direction if can not my payments, the mortgage company is starting to call because they believe I will not be able to make my payments time is running out it appears I may have to sell my home in the next month or two and the selling price is very much lower from the time I purchased it in 2006 because of that ridiculous subprime loan that was given to us, when in actuality my wife and I were working professionals helping to protect the public, providing XXXX to the sick and elderly and this is how we got treated in return.
On or about XX/XX/18, I received a call from XXXX requesting payment for an outstanding bill for XXXX XXXX. He was calling from a collection agency called XXXX. I advised I was not aware of an amount that was owed. He stated the amount was {$XXXX}. 
On XX/XX/18 I sent a letter to XXXX to request that they send a bill and/or paperwork so that I can confirm any information and/or personal information. 
I did not receive a response. On XX/XX/18, I sent a letter to the credit bureau to request that this be taken off of my report. I received my report and found that this was not reported. 
On XX/XX/18, I received a bill from XXXX XXXX for XXXX XXXX. Now the amount is {$XXXX}. I am going to send a letter of validation.
Had a debt with XXXX of MA that I paid in full prior to them sending it to collections. I got a collection letter from convergent outsourcing, a few weeks later in which I figured that it would get corrected from the gas co. I now notice that they are reporting to all XXXX credit reports as unpaid even after I called them. they are not correcting this for me.
I went into the Navy Federal Credit union on Monday, XXXX XXXX, XXXX and discovered {$4800.00} was taken from my bank account. After a spent 4 hours going round and round in a circle, I was informed that collection removed the funds from my account due to a charge off account for a bad check in XXXX. When I asked for document required this i was told that if is Navy Federal Policy and there was no statue of limitation for their actions. To my understanding this account was paid in full. I asked for documents and to this day I have not received anything.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
I have a mastercard Visa with Chase. I submitted a payment for {$200.00} on XX/XX/XXXX and it was debited from my bank account. When I called the bank to check on the payment ( to inquiry about the balance on my account ) a Sr. credit analyst ( XXXX from XXXX XXXX ) told me that I had to wait 8 days before the payment cleared to see the new balance on my card. She also stated that she had to call the bank ( where the money was paid from ) to see whether the amount had already cleared. This is simply preposterous that in the age of computer she has to call a bank ... 
I find it outrageous to wait 8 business days for a payment that was debited on XX/XX/XXXX to be credited to my account. In the meantime I ca n't use the card because the balance appears for a higher amount than it really is, and I have no credit leeway.
XXXX XXXX is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is XXXX
While at college my parents had been collecting my mail. My parents are divorced so my address has changed. Along with the address confusion my mother and father had told me they would pay for the medical bills. I trusted that they would. My father called the agency to ask about the bills in collections and because they would n't speak to him he asked to give them permission. When I called the XXXX Agency I was not let known of the bills that were in collections, I simply asked to give my father permission to speak with them. 
A year later I applied for a educational loan and was denied due to the outstanding bills at the XXXX XXXX. When I found out that I had bills due I instantly called on XXXX XXXX, 2014 and paid the balances in full. 
I was checking my credit and discovered that although they say paid the collections still appear. I called the agency to ask to have this removed as I was not properly given the information regarding the debt and was denied. The women I spoke with was yelling and screaming and was communicating unprofessionally. I then asked to speak with the manager who would n't answer my questions clearly and kept asking if " I was finished. ''
I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Original Creditor : XXXX Debt Owner : CACH , LLC Debt Collector : XXXX XXXX, XXXX Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on XXXX/XXXX/2016
Last year my original lender sold my mortgage to Ditech.com. At that point the existing property taxes and insurance had been paid. From that point on my property taxes did not get paid. I notified Ditech that no taxes had been paid, but nothing was done until I wrote a formal letter. When they did finally pay them, they performed an 'escrow analysis ' that passed on the cost of the fees and interest charged by the county, and increased my mortgage payment $ XXXX/month. I spoke to my county treasurer 's office and they told me that what Ditech was doing was totally unethical - that my loan was up for lien last XX/XX/XXXX and I was just lucky that it was n't purchased. Also, as I understand the law, Ditech is responsible for any fees and interest charged due to their mistake. Through research I 've been doing online, I have found that this is a regular pattern of behavior for Ditech, and that this was no mistake at all, but seems to be a standard practice that is happening on a much broader scale. If they are doing this on a larger scale, that is fraud.
the calls started on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX then it stopped. It wasn't until XX/XX/XXXX is when they started calling more than once. I've received phone calls once every 3 to 4 days and i already told them I'm a stay at home mom on XX/XX/XXXX so when i have money to spare the balance will be paid. Sometimes i get calls multiple times a day, the calls have been made on these days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
I have attached a letter for the following Collection Account Companies. Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my XXXX clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.
Collection deleted by transunion, still shows on other 2 CRA.The debt collector is refusing to comply with their requirement to report the results to the other CRAs, and will only do so if I initiate a dispute with each CRA, that is a blatant disregard of their statutory requirement. 
They have the obligation to correct or delete their reporting. 

Unfortunately, their practice is also harming me, as each dispute, while pending, decreases my scoring with that CRA until the dispute is resolved and their dispute flag is removed. 
Willful noncompliance of any provision of the FCRA also gives rise to civil liability on their part, with possible punitive damages. See FCRA 616.
Today, XXXX XXXX, 2016, I received a letter from ARA, Inc. stating that I owed them {$23000.00} for a debt that I did not incur. I called them immediately and was asked by their representative, XXXX XXXX XXXX, if my social security number was XXXX. I stopped him after the third number and told him it was not me. He then proceeded to tell me, " according to the Federal Social Security Database, that I am related to him. '' He then proceeded to tell me MY social security number and maintained that IF it was truly my s.s. number, that I had to be related to the other person with a name that happens to be identical to mine. I have a seven-year fraud alert on my credit report and he acknowledged that he saw that when trying to find his debtor. My question is : how is it possible that he gets my social security number when I have done nothing wrong and is able to threaten me with a bogus letter? Further, how can he lie about a Federal Social Security Database that tells him that his debtor is related to me?
I am not sure when this contract may of been written and I have NOT RECIEVED ANY DOCUMENTION OR CALLS DIRECTLY. They have called my XXXX - however, he would not be the account holder. 

I 'm requesting for this debt to be removed from my credit report immediately. The dates listed on XXXX XXXX do n't match - XX/XX/XXXX. 

I 've been covered on another cellular plan for the past 3 years - therefore, I do n't think this debt is mine. 

I am trying to move on in life - but, these types of debts are holding me back. 

Thank you for your consideration to my request.
Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact TransUnion the week of  XXXX   XXXX ,   XXXX   and spoke with a  US  representative from which I did n't get anything but a hard time and someone who belittled me. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to TransUnion, which was delivered at  XXXX    XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  , TransUnion sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX  which was been delivered and is available at a  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX   in  XXXX , TX  XXXX  and   XXXX   which was was delivered at  XXXX   XXXX  on  XXXX   XXXX ,   XXXX   in  XXXX , GA  XXXX . According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disrupted and MUST BE INVESTIGATED and if you do not investigat e and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.