WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XXXX my second house was damaged by hurricane XXXX, I received a check for damages and repair the house at the time the mortgage company was XXXX, it is now Seterus. In XXXX XXXX was reviewing flood insurance claims and found that I was owed additional payment and was sent a check in XXXX XX/XX/XXXX.The check was sent XXXX Property Loss Department for signature. The check was return with out the signature and when I called them I was told I had to supply them with a list of damages, contactors that did the work and that they would have to inspect the house, I feel this does not have anything to do with this check.
I was interested in refinancing my existing XXXX Mortgage and I reached out to New Penn Financial ( XXXX ) starting in XXXX of 2016. Everything was approved and ready to close but on XX/XX/2016 I decided that I no longer wanted to move forward with the loan/closing. I informed XXXX of New Penn Financial on XX/XX/2016 via email. XXXX quickly reached out to my via phone in an attempt to convince me to continue working with New Penn and close out the refinance with them. New Penn has ignored multiple requests from my new refinancing company " XXXX '' to transfer my FHA case number to allow them to lock in my refinancing rate with them. I saw this as a deliberate attempt by New Penn Financial to block me from being able to shop my refinancing options with other Mortgage Companies. Because of New Penn Financials unethical behavior my original estimated Mortgage interest rate increased from 3.37 % which is now costing me more money. New Penn Financial continues to call me 19 days later stating that they need me to telll them who to transfer the FHA case number too. This does not make any sense to me because I know that XXXX provided all the necessary to New Penn to transfer the FHA case number. All of this will now end up cost me thousands of dollars. This type of behavior should not be allowed because it cause consumers a lot of unnecessary stress. As I 'm submitting this compliant XXXX of New Penn Financial continues to reach out to me regarding the loan that I requested him to stop working on 19 days ago. XXXX emailed me on XX/XX/XXXX stating " I see you made your XXXX payment. We can still do the loan for you and close in XXXX '', again after I informed him on XX/XX/XXXX that I decided not too move forward with New Penn. This sounds like New Penn continues to work my loan and pulling my credit report, which is going to show as additional inquiries. I 've informed New Penn Financial thatI plan on working with another institution so why are they continuing to utilize my information? 

XXXX, NMLS # XXXX New Penn Financial
I have called XXXX XXXX XXXX XXXX and have asked them to provide confirmation that this loan or service or bill belongs to me. They keep asking me to provide my date of birth and the last of my social and the amount. I do not feel I need to. The moment they gather my information they will imply that this amount is mine. It has happened before. Will someone please assist me without giving my personal information. It would be a breach of privacy.
I paid Bank of America in full, for an over drafted bank account. The account number is, XXXX - XXXX. Amount requested by B Of A, {$1200.00}. 

Amount paid by XXXX XXXX, {$1200.00} for XXXX balance. 

This account was initially reported as Suspected Fraud Activity. This language is suggestive that elements of Fraud were present. When this was just an overdraft. A customer issued me a check, I deposed the check in good faith. The check amount was credited to my account, but later returned to me as NSF. The bank overdrew my account {$1200.00}. However, there was never any elements of Fraud involved. 

Bank of America reported this erroneous information to XXXX. XXXX is reporting this erroneous information to those who pull my information. 

XXXX XXXXXXXX XXXX is declining to open a new account because of this language.
I paid my car loan off in XXXX of last year ( 2015 ) and I still have not received the title from GM Financial. That 's over 6 months. I paid XXXX payments on a 60 month loan and I feel I should have the title by now. I have received no communication from GM Financial about the loan since I paid it off. 
There was an issue with the XXXX payment. A couple of months after I sent the last payment to GM Financial I got a call from a nasty little girl telling me that my account was 81 days past due. Since I had made more payments than the loan called for and all of them had been made on time I believed her to be a scammer trying to steal money from me. I told her as much. She continued to attempt to get me to give her money but after talking for a few minutes she then changed her story and admitted to receiving the payment but lied and said the check had bounced. 
To make a long story short, the young woman had no suggestions as to how to rectify the situation except for me to give her money. All she offered to do was send me a list of payments. I already know every payment made to GM Financial so that was of no assistance. 
I came up with my own solution since the big bad poorly run financial services institution was incompetent and unable to run its business. I first checked with my bank to see what the story was with the check. They confirmed what I knew to be true, that the check had not bounced or otherwise been rejected for any reason. They did, however, tell me that the check had never even been presented for payment. 
My next step was to send a replacement check along with a letter explaining the situation. I took the steps to do this, on my own time and at expense to me personally. GM Financial actually rejected the delivery! So, once again, at the expense of my own money and a great deal of time I found another address for GM Financial and resent the letter and the check to the new address. This time the letter was accepted and the new check was cashed. 
I also received a letter from GM Financial indicating they received my inquiry and that they would look into it and get back to me. That was several months ago and I have received no communication from GM Financial since. 
I did check my credit report and it indicates that I made XXXX payments late, which is untrue, and that I still owe {$45.00}, which is also untrue. 
I need GM Financial to fix the mis-reporting to credit bureaus and to provide me with my title. At this point I also feel I should receive some damages for my out of pocket expenses and the injury to me personally and reputationally.
I was in escrow on a house with a secured interest rate of 4.625 % and on XX/XX/XXXX. I was notified that my credit score unexplainably went down XXXX points. This was a result of the security breach into Equifax. The result of this credit score dropped disqualified me from my original loan and I was forced into another loan at a rate of 5.6 %. The end result my payment increased monthly by {$800.00}, which translates to approximately a {$270000.00} increase in payments over the lifetime of a 30 year mortgage.
After making two trips from Oregon to Virginia to visit my elderly ailing mother, my credit card charges was at {$3200.00}. My husband suggested I find a zero interest balance transfer card, so I started searching online. The next day XXXX received a phone call from a guy by the name of XXXX XXXX ( XXXX ), from " Card Services '', who did not speak very good English ( should have been a clue ) who eventually transferred me to a XXXX XXXX ( XXXX ) who stated she could take care of my problem. She explained that their fee was {$1400.00}, and having never done this before I did not know. She tried to open a card in my name, but was unable to get credit approval, so suggested we apply in my husbands name. We got approved for a XXXX, with a {$3800.00} limit. She then told me to call her back when we received the new card. In the mean time, she charged my original card the {$1400.00} fee, which now put my balance well above the limit of the zero interest card. I called my original card company, CapitalOne, to dispute the charge, but was told that since I had authorized it, I could not dispute the charge. Then they transferred part of my balance to the new XXXX. These people need to be stopped, you can get balance transfers done for 3 %, not thousands of dollars. I would like to be able to get my {$1400.00} back. In the mean time, my husband went to our bank and got set up with a zero interest balance transfer card at no fee, then transferred all of the other balances to the new card, so that issue is now resolved. There should still be a way to recover my, in my opinion, fraudulent charge of {$1400.00}. CapitalOne must have a name and address where funds were sent! Please help! I am now fully aware of how ridiculous this entire process was, but having never needed this service, I simply did not know. 


XXXX XXXX XXXX
To whom it may concern : I submitted a complaint to all three credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 

I have attached my follow up letter to TransUnion for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
called lending club on XX/XX/2018 to inquire about a loan that I put a application in for and was on the phone with a supervisor asking general information about what to send in to them because when I called earlier in the day the person I talked to really told me nothing about anything when I asked and pretty much just rushed me off the phone and while asking a supervisor about everything she just said the XXXX with it and just hung up the phone just want to know what kind of company is this
XX/XX/XXXX I submitted a dispute to equifax for fraudulent {$95.00} derogatory mark from XXXX XXXX XXXX XX/XX/XXXX Spoke with XXXX via live chat to the status of that dispute. Was told to contact Customer Services Team XXXX XXXX to XXXX in my time zone. 
XX/XX/XXXX Sent another Inquiry to XXXXXXXXXXXX as to the status of my dispute XX/XX/XXXX received email from Customer Care telling me to contact Consumer Services team XXXX I then called that number and spoke with XXXX. A horrible XXXX on wheels ( sorry, but she is ). Told me it had been verified and belonged to me. I told her that was impossible. As I had called the " original creditor XXXX '' and they could find no record of this debt. 
XX/XX/XXXX Equifax sent me a letter stating the requested the reporting company verify the accuracy of the information that I disputed. 
XX/XX/XXXX Called Equifax, waited on hold for nearly an hour. When a horrible XXXX ( sorry seems to be typical employee ) said " WHAT DO YOU WANT? '' And when I did n't answer her immediately she hung up on me. 
XX/XX/XXXX I then called XXXX XXXX XXXX and spoke with XXXX. I told him I have no {$95.00} debt with XXXX and filed a dispute. XXXX said they would contact XXXX and I would have results in 2 weeks.

This derogatory mark is still on my EQUIFAX report. It says it is disputed by consumer, pending and I should have the results soon.

Honestly. 7 months is ridiculous. WAY past the 30 day mark. 

Is EQUIFAX receiving " kickbacks '' for " questionable '' ethics? PLEASE demand they conduct themselves in the same standard as XXXX XXXX or excuse themselves from credit reporting
Green Tree Servicing lost all my personal papers when switching over to ditech receiving harassing phone calls starting at XXXX XXXX. to XXXX tried to call them back they would give me the runaround transfer me tried to say I was behind on a payment I have reference numbers to prove I wasn't found out my money was in lingo they serve me papers 4 court the paper said I was served was not for me they were for somebody else I've got their personal loan information different name wasn't even my name they makes my lawn up with somebody else 's loan I've called several times they said they can't explain it I said I need it fixed now they're trying to put me in foreclosure with somebody else 's stuff
transunion removed a XXXX account and placed it back on my credit report without notifying me within 5 days of reinsertion which is clearly violation of the FCRA. i disputed a XXXX account that was showing up on my credit report. after disputing it with transunion in the file that maintain under my social security number. I was informed on XX/XX/XXXX that it was deleted from my credit report and now on XX/XX/XXXX I checked my credit report and noticed that the item has been reinserted on my credit report. I 'm accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or ; if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. Also I filed a complaint with convergent and I was informed that this account was being removed from my credit report they even uploaded supporting documents that they put the request for removal but transunion somehow refused to remove it.
CHASE CARD MADE A HARD INQUIRE ON MY CREDIT REPORT THAT I DIDNT CONSENT TO AND ALSO I HAVE WROTE LETTERS TO THEM AND THEY HAVE FAILED TO RESPOND
Original credit card account was opened in XXXX. Last payment on the credit card was made in XXXX. In XXXX, I received notice that they were going to put my house on the sale list to pay off the debt. After working with an attorney we resolved the issue and they took it off the sale list. In XXXX, I went to mediation and met with representative from the collection company and provided all information requested. Since that time we have heard nothing in regard to the debt. On XXXX XXXX, after logging into our online banking saw our XXXX banking accounts were all negative XXXX. We called XXXX XXXX XXXX to resolve the issue and was notified that our accounts were put on hold because they were now to be garnished by the state of texas. No documentation was provided by the debt collector since XXXX. They explained that they tried contacting us in XXXX to an address that we had n't lived at for XXXX years. No phone calls were made and no other certified mail had been sent. Address changes were made each time we moved. He explained that was n't his problem to keep current information, although he had my current phone number and mailing address on file. We are now without any money and XXXX kids in our home. XXXX and other money is all gone. There are no judgments or liens outstanding on us.
IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, WA XXXX XXXX ) XXXX This company says I owe them {$1800.00} for damages when my wife moved out of XXXX XXXX XXXX XX/XX/2016. The original amount was {$1700.00}. This is listed on both of our credit reports as individual accounts. I sent Debt Validation letter. They only sent a itemized copy of a bill. There were no " original contracts ''. They also inaccurately report this account as open which is very damaging to our reports. An FTC opinion letter clearly states that mere itemization does not constitute debt validation, therefore they are in violation of the FDCPA. In addition, the Highest balance is {$1700.00} and the balance is {$1800.00}. How can that be?? It has multiple inaccuracies. I have attached their attempt at validation of this debt.
I signed up for the Capital One Quicksilver card via this link : XXXX As you can see, it specifically advertises that there is no annual fee. A month after my enrollment, I noticed a {$39.00} membership fee charged to the account. I have called and emailed several times, presenting evidence of the original offer, but they reply with automated messages, ignoring the substance of the issue.
In XX/XX/2017, I noticed that multiple cards were opened with my information under XXXX   bank and used up to the limits. I contacted XXXX and the credit bureaus to inform them of fraud but both refused to research the claims and proceeded to place these cards on my credit file. As a result, my credit has been damaged. I have requested proof that I signed paperwork permitting a credit card with this company and have been provided none.
Unknown callers are constant calling me from XXXX credit card. Everyday. I 've set up a payment arrangement with a lady and let her know I can only pay a small amount. A gentleman recently called and told me I 'm refusing to pay and do I have a lawyer and said it was my problem I have to deal with. I do n't appreciate that. I feel threatened. I work and I 'm having financial difficulties. I have a family I have to take care of. He continued to argue with me over the phone. His name he told me was XXXX. 
Thank you.
Equifax did not properly secure their servers and were vulnerable to a hack that allowed my personal sensitive information to be accessed along with information of millions of others.
Citibank sold debt to a credit called XXXX - but they sold a debt that didnt belong to me! I have had several discussions with Citicard including a phone conversation in XX/XX/XXXX when Citicard said the fraud team would look into it and close the card/relieve me of any wrong doing and take it off my credit report. When I checked my credit report it was removed so I assumed everything was okay. It was NOT okay! Citibank SOLD MY DEBT ( even though it was not mine ) and now I got SUED by XXXX. XXXX is suing me for {$25000.00} for a credit card that had a {$1600.00} limit that was not even my card! XXXX levied my bank account and is ruining my life. The funds they levied will leave my account XX/XX/XXXX - so this is extremely urgent! I can not hire an attorney because XXXX has levied every penny I have.
In XXXX, I took out a mortgage with XXXX. They advertised affordable low mortgage monthly payments. However, the monthly payments were high and kept increasing every month to the point that I was not able to keep making payments on my mortgage. In XXXX, XXXX Bank XXXX started a foreclosure processed on my home. I did not know the involvement of XXXX of my loan until I received a summons and complaint. Then my loan was transferred to Bank of America who has denied several loan modification applications. It seems that Bank of America 's priority is to foreclosed on homes and not try to mitigate their delincuent loans.
SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with SW CREDIT SYSTEMS L.P.. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P. purport I owe. I request that SW CREDIT SYSTEMS L.P. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
I pulled my credit report In XXXX 2015, and it showed a collection agency " Common wealth financial system/ NE Credit collection '' reported to XXXX and XXXX an account in the amount of {$750.00}. I disputed this account with XXXX on XXXX XXXX, 2015 advising the account was not mine and on XXXX XXXX, 2015 the investigation was completed, advising proof of the debt was provided. I mailed a dispute directly to the entity on XXXX XXXX, 2015, advising the derogatory report be removed, and to provide validity of the debt/ account if the derogatory reporting is not removed. This dispute was received by the entity on XXXX XXXX, 2015 and as of today XXXX XXXX, 2015 the derogatory report is still on my credit and I am yet to receive a response from them validating the account.
Experian refuses to acknowledge that my wife and I have a mortgage with XXXX. We talked to both Experian and XXXX and both said the would correct the problem back around XXXX 2015. I looked at my Experian report today and the information was still missing.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the UNVERIFIED debt of XXXX XXXX with a balance of XXXX, acct. # XXXX   with Credit Control LLC, acct. # XXXX listed is not deleted immediately from your file and my credit report.

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending  litigation provided you fail to comply with this offer of settlement. 

To my knowledge, I never done business with your company and I have no legal binding contract. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA because I have no contract with XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if Credit Control XXXX XXXX with a balance of XXXX is not deleted immediately from your file and my credit report. 


This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 
I hereby request that you provide a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). Again, do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law within this letter date. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I was shocked when I reviewed my credit report and found late payment on the date 30 days late as of XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.