WillisBack/dataset-financial-user-claim huggingface dataset:
On   XXXX   XXXX  , I  app    l ied for  a Conventional Fixed Rate First Mortgage at 5.000 % at  BBVA Compass Bank. After being pre-qualified for this loan amount that my credit score allowed.  I was instructed by  XXXX   XXXX   XXXX  mortgage loan  officer for BBVA Compass Bank to b egan looking for a house. After spendin g three mon ths looking for a house, we finally located a house that we like and thought was our dream come true. Once, we agreed that this is the place we want, then we were ask for fees, starting with a {$500.00} deposit for th e Realtor at  XXXX . After  that, we were ask for {$270.00} inspection fee of the house. We paid all of these fees and was about to pay an additional {$420.00} fee for appraisal. At the sametime, we thinking that it will not be long before closing time. However, the underwriter denied the loan because we were lat e one time in three years on a    XXXX  credit account.My problem with this process is telling us that everything is going great and time we spent looking for a home. Also, thinking loan was approved! we would have wasted our time and money for this. Another question is will we get our money back spent on those fees. I think the underwriter should have the first look at the application, before my time was wasted and they could have made that determination in the beginning. Now they want to offer us another Conventional Loan with a {$2400.00} down payment for the same house. However, I 'm a little worried about this cause the late payment  in three years  on my  XXXX  credit card is still there.
On XX/XX/2018, I sent a dispute letter to Experian disputing the following accounts ( XXXX, XXXX, XXXX XXXX, and XXXX/XXXX. In my dispute letter, I asked for these accounts to be validated and Experian is continuing to report unverified information on my credit file. As of this date, the following accounts have not been validated. You had ( 30 ) days to validate this information, and you failed to do that. 

Experian only put a statement about fraud and identity theft on my credit file. I also went as far providing proof, and I sent documents to Experian in my dispute that I am a victim of Identity Theft, Experian failed to take my claim seriously. 

The unverified items listed above remain on my credit report is in violation of Federal Law. 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. After asking for proof of these accounts, I have not been provided any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), a consumer contract with my signature on it, and under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. The law is very clear as to the Civil Liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumerand I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I have been receiving phone calls and texts on a daily basis. Sometimes numerous times a day. I explained that I am laid off and receiving unemployment benefits that barely pay my rent. I have also asked them to stop contacting me. They have stated that I have received unemployment for a number of weeks and that I should be able to pay the loan. Which, as stated, is not possible since my benefits barely cover my rent. It's my belief that under federal law that when told to stop the contact, they must stop. However, they have continued to do so. I have blocked the calls and texts from being received from my phone. I have told them that I would pay once I return to work.
In XXXX of XXXX, Equifax allowed my personal information ( name, social security number, address, etc. ) to be stolen. I 'm now at risk for identity theft. I 've not yet been contacted by Equifax. I 've asked for a temporary fraud alert through XXXX.
On XX/XX/2018, I attempted to obtain my annual free credit report using website XXXX. 

Although I was able to obtain my XXXX credit report TransUnion refused to provide report through this site without explanation. I reached out to TransUnion directly and requested an explantion and copy of said report to date TransUnion has refused to provide said credit report or reasons why the consumer can not obtain said report as mandated by law through XXXX
I believe this to be a third party collection agency by the name of API and I am just a reference for my son  XXXX   XXXX   XXXX . I have ask this person "  XXXX   XXXX  '' not to call because  XXXX   XXXX  does not live here, I even confirmed  XXXX  's cell phone number with him and ask them not to call my home or cell (  XXXX  )  XXXX  or (  XXXX  )  XXXX  on  XXXX / XXXX / 17  at  XXXX   XXXX   XXXX   XXXX  called my home (  XXXX  )  XXXX  again today  XXXX / XXXX / 17   XXXX  from (  XXXX  )  XXXX  claiming my son told him on Friday to call this number, which I know for a fact, is n't true??? This  XXXX   XXXX  is very, very rude and I asked him not to call again and he stated that he would be calling me again tomorrow, again he 's very, very rude and basically told me I do n't have any rights.
I went into the XXXX XXXX at the XXXX XXXX on Thursday XXXX XXXX and made a {$150.00} check payment. I signed the electronic check agreement and received my voided check and receipt. I attempted to use the card to make a purchase. It was denied. I called customer service and was told that it took XXXX to 48 hours for payment to clear. I knew this was not true as I am an associate at the store and people do this all the time. ( The {$150.00} check cleared my bank account Friday morning. ) I was told to call back Friday. I called back Friday and now was told it would clear Saturday and if not to call back and they " could help me ''. I explained to the csr that I needed the items for presents for Saturday. I called Saturday morning and it went down hill from there. The ending of the story is that they are holding my {$150.00} deposit for 18 days because I made XXXX payments in a billing cycle. I have never heard of this before. So now I am out the {$150.00} for the check and {$150.00} not credited to my account. I have NEVER heard of this before.
Dear Equifax Information Services LLC : This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me higher interest rates and I have enough expenses as it is. Can you please investigate the following information and either remove it or at least send me the information that you used to add it to my report. XXXX XXXX/XXXX/XXXX Find out the exact date, because I think the XXXX shown is not quite accurate. Refresh my mind on this data and verify or delete this entry form my credit report. XXXX XXXX Verify the remarks, payment status, history dates, and high credit. Check it and repair accordingly. XXXX XXXX I want a verification in the status, monthly payment, XXXX payment history and credit limit because is difficult for me validate. Corroborate if is possible make any corrections or delete. XXXX XXXX Rectify the high balance, limit, comments, account status, and payment history. I have doubt that must be clarified so if you may please check the data and possibly correct them. XXXX XXXX Review this data like the status, comments, payment history, and high credit because I feel there have some errors. Verify and repair or delete. XXXX XXXX I contemplate in some context on this account might bring possible errors.I believe the pay status, comments, account status, and high balance are having a great effect examine and repair or end the reporting. INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address should be accurate and current. Refer to my attached documents so the proper corrections are made and delete the following from my personal credit file. INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address should be update, correct, and accurate. Refresh and take away the following from my credit report : Incorrect Name XXXX XXXX XXXX am confuse how you are provide my name on my personal credit report. Please verify into this have it corrected and delete the following : XXXX XXXX XXXX XXXX/XXXX/XXXX Verify the company name, date shown, and if this was authorized properly. Afterwards remove it from my credit file since the data might be erroneous.
My wife and I both have Student Loans serviced by Fedloan Servicing ( XXXX, PA XXXX ) under the Public Service Loan Forgiveness ( PSLF ) program. We resubmitted our " Revised Pay As You Earn '' income-driven repayment plan. Fedloan Servicing made errors recalculating this payment resulting in our family being billed for a total of $ XXXX/month rather than the $ XXXX/month which it should be. We have been trying to get it fixed since XX/XX/2016. We have been making the higher payments to ensure our monthly payments keep us eligible for the PSLF. Today we spoke with XXXX, ID # XXXX, and she informed us that there was human error in our payments and we have been making payments higher than required since last summer. She said she is currently working on fixing our payment for next month. We asked her if the over-payments we have made can be refunded or applied to future payments. She stated this is not possible and if there is an issue with our payments we should have not payed our monthly bill. This seems outrageous to me since one of the rules for the PSLF program is to make your payments on time.
After paying off the second mortgage on my home, the lien was not released. The failure to release the lien is threatening my purchase of a new home this week. I am unable to find any way to contact PNC Bank other than by phone call or snail mail.
XXXX XXXX XXXX XXXX has repeatedly placed threatening phone calls to my cell phone and the phone of my XXXX father. These calls do not identify the agency as a debt collector, the message directly state " legal action is being taken against you, papers are being filed in a court of law, if you do not contact us ''. 

I returned a call on XXXX/XXXX/XXXX to see what company was calling leaving messages like this on my father 's phone ( he has XXXX trouble ). I spoke with a representative who had information on an old payday loan account ( over 8 years old ) that was verfied paid before I filed Chapter XXXX in XXXX. 

I asked the representative why they were calling me instead of the lawyer ( he stated I was being sued in XXXX I reside in XXXX ) and he began to become irate. 
I further advised him to contact directly and not my father, which turned into an argument. He stated it was ok, they will pursue. 

This practice of threatening consumers is unacceptable. The company stated they had an affidavit from my bank, but they had outdated contact information. The representative further claimed they sent court papers to an old address and email, but they had a current phone number.
They continue to call my place of business. I have no knowledge of any other communication and have not received any letters
I have an citi credit card. I was under my credit card limit. The finance charge at the end of the month put me slightly over the limit. I was charged a {$39.00} fee for being over the limit. I did not feel that this was fair. The finance charge is what put me over the limit. I should not be charged an additional fee for a finance charge of {$39.00} because it puts the card slightly over the limit. I talked with a Supervisor named XXXX in the Florida office. She said that it is in the XXXX page agreement. I asked her where in the XXXX page agreement. She said that she had no idea, because it is XXXX pages long.I asked her how is a consumer supposed to know where this is or if it even exists when the supervisor does not even know. She said it is not her job to know the XXXX page agreement. I was surprised because she is the supervisor. 
This sounds like Usury to me. How can a company charge a fee on top of a finance charge. The bank is making money on the finance charge. That is what I agreed to. It was not a purchase that put me over the limit. It was the finance charge. That is a pretty good definition of XXXX. This supervisor was not able to tell me where this was allowed in the XXXX page agreement. I am not sure that it is allowed or even exists
On XX/XX/XXXX I received a letter from States Recovery Systems , Inc., purporting to be collecting debt that I owe to a third party company. However, the letter was fraudulent. I encourage you to pursue this company and stop them from attempting to defraud others. 

Here are the details of the case. The letter that I received stated that States Recovery Systems was attempting to collect a debt in the sum of {$1200.00} from XXXX. XXXX is the phone carrier that my wife and I use for long distance. I had recently tried out a mobile phone that they offered, but I returned it to CREDO in XX/XX/XXXX, before the end of the trial period, because they do not have good coverage in the neighborhood where we live. On receiving the letter from States Recovery Systems, I contacted XXXX to verify that I do not owe any debt to them. The representative who I spoke with confirmed that this was true, and that the letter from States Recovery System is incorrect. 

When I searched for States Recovery Systems on XXXX, I found numerous reports of other customers whom the company had attempted to defraud. It appears that the company has a pattern of pursuing people for nonexistent debt. I fear that my age ( XXXX ) may have made me a target for this scam. Companies that go after the elderly with fraudulent debt collection schemes deserve to be prosecuted to the fullest extent of the law. I am happy to contribute any other information that you might need in order to do so.
I never applied for this loan and they are insisting I pay it. They are threatening me with jail time. I once applied for payday loans 4 years ago and settled and paid all that I received. This ACE cash services is insisting I pay for something I do n't owe. They are threatening me with a lawsuit. I know nothing about this. They have all my personal information and I believe this is fraud. I have an email that they sent me. How do I get this email to you? 

Please help. 

XXXX XXXX
There is around XXXX credit cards open in my behalf that i have n't authorize. And is affecting my credit score.
i have been disputing a file for over a year now with XXXX and experian and XXXX, XXXX has been the only company to comply. i contacted XXXX on many occasions informing them i was also recording the call and they would flip out in protest about it as if i dont also reserve the right to record the call as they do for " quality intrent purposes ''. i have made them aware on multiple occasions that XXXX companies XXXX and XXXX had been inproperly reporting records on my reports and i want them removed immediately. i have even in goodwill attempt sent certified letters, made phone calls while recording the call myself for retainment, and had pleaded to get these accounts off my record as they are not mine. XXXX has been the only XXXX to remove them after finding they were not mine in their investiogations but XXXX and experian still havent complied, i have even contacted the companies and requested debt validation forms, " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act an the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting ''validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' is what i write in essense as well as quoting the violations they are comitting, '' *defamation *negligent enablement of identity fraud *violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) *violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. '' i have been very formal and yet these items still remain and they just continuously disopute rather then delete, the only reply i got back from XXXX has been that the are not obligated to supply me with the requested information, and they even use a provision of my name which violates websters ninth new collegiate which states XXXX grammer shall holds no provisions over names. i would like these accounts removed at once this has gone on long over a year now and these companies fail to comply with FDCPA, AND FCRA. verizon just flat out ignores me and when i call they hang up on me after transfering me 6 times
I HAVE BEEN ASKING FOR VALIDATION AND VERIFICATION ON INACCURATE ACCOUNTS ON MY CREDIT REPORT FROM TRANSUNION AND THEY REFUSE TO SEND ME THE INFORMATION IM REQUESTED. I HAVE CALLED AND SPOKEN WITH SEVERAL REPS AT TRANSUNION ABOUT THE INACCURATE REPORTING AND ALSO HAVE MAILED INFO SUPPORTING THAT THE INFORMATION THEY ARE REPORTING IS INCORRECT. TRANSUNION CONTINUES TO STILL REPORT INACCURATE AND FALSE INFORMATION. IVE RECEIVED INFO STATED VERIFIED BUT TRANSUNION REFUSES TO SEND ME THE INFORMATION ON HOW THEY VERIFIED AND WHEN. BELOW I HAVE PROVDER COPIES SHOWING THESE PAID WERE PAID IN FULL AND ARE NOT UNDER BANKRUPTCY.

ACCTS DISPUTED AND TRANSUNION REFUSED TO CORRECT : 1. XXXX XXXX XXXX- XXXXacct # 2.XXXX XXXX XXXX XXXX-PAID-XXXX acct # 3. XXXX XXXX XXXX PAID-XXXX
I learned this morning, XXXX XXXX2018, that my TD credit card XXXX had been cancelled in XX/XX/2018 by TD Bank for fraudulent transactions! But I had never been notified by TD Bank as to said transactions and had never been notified by TD Bank that my said credit card had been cancelled! This even though I have been making monthly payments on said credit card both by USPS and in person at the TD Bank branch in XXXX, New Jersey XXXX! Nor was I sent a new credit card!
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out mentally, emotionally and physically continuously. TimeframeXX/XX/XXXX-XX/XX/XXXX
Experian NOTICE OF VIOLATION FCRA 623 FDCPA 806 { b } which states that the creditor must enter a notice of dispute, if this is not entered the account can not report on the credit report XXXX you are in violation NO NOTICE OF DISPUTE AND you claimed you did an investigation which you claimed validated with out posting in dispute for past 6 months REMOVE THIS ACCOUNT AT ONCE you are the only reporting companies that has not removed accountYou have all evidence from XXXX  and my self sent through the CFPB occ XXXX and XXXX that clearly shows that the account was fraud inXX/XX/2014 and not made by myself nor did I have anything to do with it
A company just called me today called XXXX XXXX. Phone number XXXX. They said they were coming to my apartment tomorrow to serve me papers for an old debt from Citibank, over six years ago. The debt was XXXX, now its up to XXXX.the first man I spoke to on the phone told me they were going to come and serve me with a warrant. I am a senior citizen on social security.
I traded my car in and purchased another one. The dealership looked over the car and there were no issues. Car was harly used an way under allotted mileage. Six weeks later i get a bill from Ally that I owe {$500.00}. I contacted them and apparantly there was a scratch on the bottom bumper. They decided that it would cost {$500.00} to fix this. How did they come up with this amount? In addition who is to say the damage didnt happen in the six weeks I was no longer in possession of the car. In addition, in XXXX XXXX the car received a parking ticket from XXXX XXXX. During the date of the ticket my family and I were travelling and not in the country. Long story short, the person who wrote the ticket put the wrong plate numbers. The ticket was issued to a XXXX XXXX and my car was a XXXX XXXX XXXX. I got it taken care of an the judge dismissed the ticket because of course it was invalid. This was the same time ally was trying to sell my car. The ticket came up and they paid it, never letting me know. I faxed them the ticket, with the registration showing it was an invalid ticket as the license plate was for a XXXX XXXX not a XXXX. I also faxed them the judge 's dismissal that the ticket was invalid. This was faxed on XXXX. I continued to receive bills from them for the {$500.00} and {$15000.00}. I called them today. I was told the ticket they paid was not the ticket that I faxed them. They received my fax but since they feel it wasnt the ticket they paid they disregarded it. I asked what other ticket, representative coudnt tell me. I asked to speak to a supervisor, I was told this is not a supervisor issue and he woulnt transfer me. At this point I feel like Ally is trying to extorate money from me.