WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing today in hopes to obtain your help. At the present time I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 60 90 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) Between XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
With the Equifax leak, have tried to put freezes on all my credit checks with the three agencies ( I will not go into how ridiculous this all is and how it is inconceivable that this happened, and they waited so long to let us know, and I had to wait until today to sign up with Equifax and have to wait an unspecified amount of time for an email to come from Equifax to finish the process with them. ) Went to XXXX site from a search engine, ( Security Freeze - XXXX ). The link ( XXXX XXXX XXXX ) gives an unavailable message and photo. Hopefully I will be able to attach a screenshot. 

This one, for one of their products XXXX and with a bunch of caveats, works. ( XXXX XXXX XXXX ) I find all of this unacceptable and a disservice to the American people who rely, unfortunately and without any permission or acknowledgment, on these services.
I am a XXXX on XXXX age XXXX. My wife is XXXX years of age. She works XXXX earning XXXX a year and upon retirement is entitled to XXXX state pension and social security retirement of approximately XXXX a year. Contracted with my wife to purchase home to retire to in XXXX. My intent is to move in now and my wife would follow when she retired in s year or so. Contract Price was {$380000.00} and we were putting XXXX down, {$110000.00}. I wanted my wife and I to applyfor {$260000.00} mortgage to XXXX based Quicken Loans. Quicken would only allow me to apply because my wife has a {$19000.00} mortgage on our current XXXX house paid in full next year. XXXX house is worth at least XXXX. 
We dealt with XXXX people XXXX XXXX, XXXX XXXX and XXXX XXXX. I currently receive {$120000.00} per year in social security XXXX and payments from XXXX private XXXX polices. Our current combined annual income is XXXX equal to the loan. We have a net worth of approximately XXXX including our XXXX house which only has {$19000.00} remaining on the mortgage and is worth at least XXXX. We have no debts other than credit cards which we pay in full monthly. The XXXX house appraised for more than contract price and it cost us {$450.00} for the appraisal. 
We gave them all financial documents requested. Pre mortgage approval was given earlier this year. Received a letter of conditional committment on XXXX XXXX and QuickenLoans gave a closing date of XXXX XXXX, 2016. Provided copies of my most recent XXXX checks from XXXX private carriers and documents showing direct monthly deposit into my checking account of social security XXXX payment. They requested documents that did n't exist such as a XXXX and an annual award letter from XXXX XXXX insurance company. Advised QuickenLoans they do n't exist. They Requested proof to confirm I would be receiving private XXXX payments indefinitely in the future which I could not produce. I then offered to make my working wife a co- borrower and provided copies of her most pay checks and XXXX. On XXXX XXXX, one week before the closing, I was informed my wife would n't be permitted to be co borrower because she works in XXXX and they would n't consider my XXXX income from XXXX XXXX company because I could not produce an annual award letter or documents showing I will receive it indefinitely in the future. They also expressed concerned my wife would XXXX soon. I explained she is entitled to a pension and social security retirement almost equal to her current XXXX annual salary. Her credit rating is in the XXXX and as high as XXXX. My low credit score is XXXX. 
There is no legitimate financial reason to deny us a loan. It is not based upon a lack of income, bad credit rating or net worth. It is obvious we were denied due to our age and my XXXX. 
The XXXX Civil Rights Commission found probable cause against Quickenloans for discriminatory practices against a XXXX borrower. Therefore, it has a history of doing this
Had an account with XXXX XXXX XXXX in 2016. During that time XXXX XXXX XXXX had messed up on billing and waived the charge for the modem due to multiple phone calls that had to be made and the miss communication. Since that time IC Systems took over the account. I have reported this as incorrect multiple times and have also talked with XXXX XXXX XXXX on 3 different occasions which they found the information in their notes of the waived charge. They have been asked on multiple occasions to correct this yet 2 years later it is still on my credit report but I have not heard anything this entire time from IC Systems. This is hurting my credit for a debt that is not owed. Would like resolution immediately.
Citibank charges high rates, lower credit limit and frustrates me and using my credit report to close my card that Ive always paid.
I n   XXXX   I received a promotional mailing from USAA for Balance Transfer. The fee for the transfer was supposed to be a maximum of {$75.00} I filled out their promotional check, but my local bank would not accept it without a 21 day hold on the funds. I contacted USAA and told them of the problem. They suggested I use my credit card and just take out the advance that way. What they did NOT disclose was that the {$75.00} maximum fee did not apply if the " convenience '' check was not used. So, they nailed me with a {$600.00} " Cash Advance Fee ''. Additionally, they have charged me the standard " Cash Advance '' interest rate instead of the promotional 1.99 % for 12 month rate. I have called several times over the past three months trying to get this resolved. Each time I have explained the situation to the Customer Service rep, who said they could not help me and then forwarded me to his/her Supervisor. After repeating the story to the Supervisor, he/she said she could not help me and forwarded me on to the vaunted " Executive Resolution Team ''. After explaining the situation again, each of the three Executive Resolution Team members I spoke to over the course of the three months said they would review the tapes / transcripts of my original calls and get back to me within a week. I have NEVER received a callback. I demand a refund of the {$600.00} and all interest charges associated with this balance transfer and a n adjustment of the rate to the promotional 1.9 %.
A company by the name of Accounts Receivable, in XXXX, FL contacted me first via phone regarding a past due invoice to XXXX Downtown. Membership to this gym was month to month at the time I had a membership and I am under no contractual obligation at this time. I have not had a membership to XXXX Downtown since XX/XX/2014. 

When asked to provide proper documentation as to why I owe said past due balance, no representative at Accounts XXXX could provide valid documentation. I received a generic looking " statement '' in the mail, however it did not indicate a time period from which the past due balance had accumulated, nor did it indicate why the balance was outstanding. 

Representatives from Accounts XXXX continue to call, XXXX times per day. Representatives have even left messages for other individuals, on my voicemail. Representatives continue to threaten further legal action if the balance is not paid.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2012 30 days past due as of XX/XX/2012, XX/XX/2012 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.
XXXX XXXX XXXX hospital and XXXX XXXX didn't fill out the paperwork for the insurance correct I have been XXXX  10 years and have Medicaid and Medicare and Medicaid I don't owe anything for the bills
XXXX XXXX reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/XXXX.
I 'm currently working on a short sale because I was given no other option BUT my Realtor has n't been sucessful in getting in touch with my XXXX loan which is with Litton Loan Servicing, none of the numbers provided work because they just send you on an endless survey about XXXX, auto insurance, {$10.00} XXXX gift cards and other XXXX they are selling ( numbers are XXXX, XXXX and XXXX ). I need them to contact me Loan # XXXX in order for my transaction to move forward.
My credit report shows that an account with Portfolio Recovery was opened on XX/XX/XXXX for the amount of {$580.00} and on XX/XX/XXXX I sent a 609 letter to all three credit bureaus disputing this debt. I have not heard anything back from the company or the credit bureaus yet. I was recently told to check my state 's secretary of state website to make sure that all of the collection agencies on my credit report were licensed or bonded to collect in my state. While doing the search, I found out that they are not.
While reviewing my credit report, I noticed there was a student loan listed on my credit report from Navient which was apparently opened in 2007. I attempted to notify them that the account does not belong to me and I have never had a student loan, however they stated that my information was used as a co-signer on a student loan and I am responsible for the debt but would not listen to me that the account does not belong to me. 

I have never attended college so I have never had a student loan, my son was on XXXX years old in 2007 and has never had a student loan, and I never agreed to co-sign on a student loan so I filed a dispute with XXXX  and XXXX. Navient responded to the Disputes by " Certifying the information is correct '' and refused to remove the account from my name. I did not receive any further information regarding how the information was verified or certified by Navient, but XXXX and XXXX recommended filing a complaint if I did not agree with the results of the dispute. 

I feel it is unfair to report a debt against me that I did not authorize or agree to, nor should I be held responsible for a debt that I did not agree to or authorize. If my information was used to obtain a student loan, it was done without my authorization or consent and I should not be held responsible.
In XXXX 2015 I submitted a fraud claim with Experian they removed some items but not all of them. I was instructed to obtain a police report which i filed on XXXX XXXX, 2015 so I sent that over to them. Now I still have XXXX accounts that they will not remove that were listed on the police report. This is completely frustrating because XXXX and XXXX has already reviewed the info and removed the accounts but Experian wont help me become a better person. Too may hours and time wasted for no reason! I want the following accounts blocked from my credit report immediately please. XXXX. My report number is XXXX Thank you so much!
XXXX cable/phone/internet had a billing error for XXXX form XX/XX/2013. When I pulled credit report I noticed contacted XXXX and they removed from all Credit Reporting agencies and stated billing error on their side. I checked the reports and all entries were removed. Several months later I received a letter from Collection : Debt Recovery Solutions for the same amount. I explained the background and faxed them the receipt of the return equipment to XXXX. The rep advised ( XXXX ) they would remove the account from their files. This week notices the Collections has been placed on my Credit report. I called XXXX and they could find NO records of any Past due, Collections under my name or any address. How can Debt Recovery Solutions report a debt that XXXX states I have none and I sent them proof of 2013 return of equipment
In XX/XX/XXXX, I retained this attorney 's office for a mortgage foreclosure. My income changed and I wasn't able to make the required payments. I was told that they would represent me in this action and ask me how much I can pay monthly. I gave them a sum of {$300.00} and it has been ongoing from XX/XX/XXXX to XX/XX/XXXX. I've paid approx. {$10000.00} for attorney representation. 

Through the attorney 's office, I wasn't offered any programs to save my home. I asked for programs to save my home, none was offered to me. When I would call periodically, I was told they were handling it. Now foreclosure judgement has come, and my house was sold XX/XX/XXXX. My  attorney stated that he put in a appeal that was denied. 

I want to make a complaint on this law firm who took my money for three years, which is around {$10000.00} and provided me with no 'options ' in saving my home. I am a single parent with XXXX twins. My mother lives with me. She is also XXXX. I need my home. 

I'm asking you to investigate this case, to find out if there was any wrong doing on behalf of this law firm.
We got too many modifications and we got a notice of for XX/XX/2016 is {$1000.00} we have XXXX days to pay for the default by XX/XX/2016 .we were dealing with XXXX from specialized loan servicing, our a point of contact was XXXX XXXX customer XXXX department .back in XX/XX/XXXX I went to XXXX on a short notice because the doctors have given my sister XXXX months to live and at that time we were going through a modification I got a phone call from my husband and he told me miss XXXX said we did n't have to make the XX/XX/XXXX trial payment so my husband did not make XX/XX/XXXX trial payment then we got a letter from specialized loan servicing saying we had until XX/XX/2016 of {$1000.00} otherwise we will be foreclosed.Also they told us Miss XXXX is n't our point XXXX contact anymore.We would like to know why so many modifications? Also XXXX Bank is our third XXXX XXXX
I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
On XXXX XXXX I received an alert that a new account had been added to my credit report. I immediately disputed with all XXXX credit agencies and sent out a debt validation letter to LVNV Funding. XXXX week later I receive a print out on their letter head ( unacceptable since this is not my debt ) XXXX deleted the account but XXXX and XXXX did n't budge. The last name on the account is XXXX ( not my name ) I never received a dunning letter, a phone call, a bill Nothing. Just a surprise account that was previously deleted because the collection agency before could not validate this bill. This has caused tremendous backlash on my credit report.
InXX/XX/XXXXI disputed an inaccurate account with Experian the account which is XXXX XXXX # XXXX. Experian investigated and it came back verified. in XX/XX/XXXX I sent in a certified letter to Experian for a Method OF Verification,,, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter datedXX/XX/XXXX sent on XX/XX/XXXX Experian got the letter on XX/XX/XXXX,,, i have copies of the delivery receipts On XX/XX/XXXX i was notified that Experian completed there investigation with the account XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, ,I am considering filing a small claims for the non-compliance.. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is a original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested..
I obtained a subprime mortgage from WAMU in XXXX that i believe to be fraudulent in the way the financial terms were setup, in addition to the property having and continues to have structural damage because the house was constructed on peat bog causing the foundation to crack and shift. I believe that WAMU colluded with the building inspector to certify the property although the inspector saw evidence of structual damage to the house and the house was not to code but the building inspector greenlighted the property for sale to me. JPMC acquired my mortgage for pennies on the dollar in XXXX from WAMU when WAMU went under from the subprime mortgage crisis, therefore, assuming the problems associated with the property. The property was reassessed by the XXXX of XXXX XXXX WI in XX/XX/XXXX for {$57000.00} from XXXX and the house being condemned if the house is not brought to code. I am in the process of negotiating an agreement with JPMC to write off the loan or reduce the loan to the XX/XX/XXXXassessed value of {$57000.00} but I am not making any progress. Currently no real estate broker will list the property, with these structual damages and my insurance company will not pay for the damage. I am stuck with a loan of {$200000.00} and a second mortgage of {$14000.00} with no relief in sight. I have dicontinued to make payments until this is resolved ruining my credit.
I am a victim of identity theft. The following accounts are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX and XXXX/XXXX XXXX XXXX, with a balance of {$420.00}.
On XX/XX/XXXX I was called from IQ Data International. They asked me coud they collect n a debt on an recorded line and ask me if I could pay my debt of {$250.00}. I agreed on an automated line that if I paid the debt they would remove the debt from my credit report. I have a letter attached in writing where they agreed to remove it. I looked at my credit report today and they reported the debt as a charge off and did not remove it from my credit report. I called IQ International on XX/XX/XXXX because they are reporting my debt as a charge off when that was not what my agreement was. The rep on the phone said yes they agreed to it but it can take months to remove. My FCRA rights were violated and I want this account removed from XXXX, XXXX and XXXX immediately!
I made arrangements for credit card payments last year with  XXXX  and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A  manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late p ayments which could have been avoided if  XXXX  had provided correct information to me and reported the payments as agreed.  XXXX  reported late payments to credit bureaus when I was making payments under their payment plans.  XXXX  denied removing false data.
I have sent letters to Navient-Department of Education Student Loans on XX/XX/XXXX, XX/XX/XXXX, and X/XX/2017. Asking for verification of the original instrument of indebtedness in its original form. In response Navient sent letters dated XX/XX/XXXX, XX/XX/XXXX, a copy of the promissory note. According to 18 U.S. Code subsection 474, Whoever with intent to defraud, makes, scans, captures records with intent to be used in forging or counterfeiting any such obligation or other security except by direction of some proper officer of the United States Is guilty of a class B felony. Navient have the digital, scanned, reproduced prommissory note in its possession. Unless such use was authorized by the Secretary of the Treasury. I feel as a consumer my rights have been violated. My wish is for the Consumer Financial Protection Bureau to demand on my behalf that Navient produce the original instrument of indebtedness in its original form like I asked before or remove all of this consumers financial accounts with Navient from all 3 credit bureaus ' including a XXXX balance for their treasonous deeds and all will be forgiven. All relations with Navient are now in question for passing fraudulent and misleading information to disgrace this Consumer. Consumer would also like to thank CFPB for protecting his Personal, Family, and Household.
Around XX/XX/XXXX I contacted village capital current lender who I have a loan with now try to do a VA loan cashout.I have my VA appraisal and termite completed by another mortgage company they told me that everything was going to be completed and closing within 3 weeks.I have corresponded through hundreds of emails also to XXXX XXXX everytime he stated that I was approved on XX/XX/XXXX I was told that that the VA appraisal had got transferred and approved so that I would lose in 3 days.I let them know that my wife father XXXX XXXX in XXXX and needed to go to father XXXX.My wife did not make XXXX because they said she needed to be here to sign documents but nothing was completed. 
It was discovered after I spoke with loan proccessor XXXX that all the things the loan officer was telling me were all lies.XXXX stated that she did not have my XXXX, paystubs, VA pension paperwork, and wife information.I like that me and my wife were being lead just the loan officer can get commisson. 
I am a XXXX XXXX veteran and it is not right how these people can lie to people so bad.If they told me the truth I would not be so frustrated.I can forward copies of all emails.
I disputed each account listed below 4 times with TransUnion and XXXX. They have failed to provide me with additional information and an original documentation i.e. contract with my signature listed on them. 

XXXX XXXX XXXX Amount : {$440.00} XXXX XXXX XXXX Amount {$480.00} XXXX XXXX XXXX/XXXX XXXX Amount {$440.00} XXXX XXXX XXXX XXXX Amount {$490.00}
Hi my name is XXXX, I have attempted to contact Experian regarding 3 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Experian has failed to respond to my dispute letter sent on XX/XX/2018 and received by Experian on XX/XX/2018 Experian has failed to respond to my signed, notarized, & copied dispute letter within the fair credit reporting act 30 day response time deadline. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit.

These unverified negative accounts which ave been copied, notarized and sent via certified mail with proof of delivery have not been verified or removed within 30 days of receiving in accordance with s. 169e ( 8 ) of the debt collection practices act & the FCRA 30 day deadline. 

I demand that these unverified accounts be removed immediately and promptly to avoid legal action. 

Below there is an attachment of 3 separate photos providing proof of sent disputes to XXXX onXX/XX/XXXX