WillisBack/dataset-financial-user-claim huggingface dataset:
We have a loan with BPPR ( Banco Popular de Puerto Rico ) loan number XXXX and we used to have the 2 lots at each side of our residence, we went under the chapter XXXX protection under the bankruptcy court and let them go because it cost over {$1.00} M to cure the enormous soil problem and the only way to sell these lots was by committing fraud, we gave evidence of these conditions to BPPR by Soil studies and cost to cure by certified engineers, the 2 lots are unbuildable if piles around 60 feet depth are not done because it has 50 feet depth of unstable soil, BPPR ignores the facts and are offering to potential buyers the lots without the proper disclosure and selling the idea that can built theirs dream homes, already they sold one and the new owner want to built without the curing and putting on risk my home, back yard and adjacent neighbors all these was confirmed by our soil and structural engineers. 
We did last month another soil study and comparative topography of the 3 lots and the results are dramatic they have sunk between 7-15 inches, the slope has inverted, soil slides, new puddles all over, back fences have failed many times and this means that the global stability is very affected, how could you help us against this institution, since this neighborhood was built we know about 3 houses, 1 swimming pool, retain walls and slopes have collapse, Because malpractice and wrong process of soil stabilization of the slopes, how you can help us? or what agencies you can refer that can assist us to confront this malicious institution?. We cant even sell our house because fraud is not our way of dong business.
I have made contact with National Credit Adjusters several times about the reported debt in my credit files. On XX/XX/2018 National Credit Adjusters agreed to remove this debt from all of my credit reports. It is now XX/XX/2018 and the debt still remains on my credit reports.
XXXX XXXX has " Zero '' Integrity and needs to be investigated on their business practices and their applications FAIL to disclose they can and will pull any of the 100 or so Credit reporting application to extend credit for on of their STORE cards. This PRACTICE is not being PRACTICED by any other LENDER NOT MAJOR CREDITOR. This is an illegitame scheme to deny credit to those like me who have been Purposely Black listed for no reason. A few years ago my IDENTITY was stolen and filed many fraud alerts with XXXX XXXX and since then trying to get any personal credit with them has been BLOCKED. My FICO score pulled for their XXXX XXXX store card was FICO XXXX XXXX from XXXX. XXXX XXXX a major bank much prestigious and harder to get APPROVED used the same scores to APPROVE 4 lines of credit. XXXX XXXX pulled a FICO score 0f XXXX, but denied my a store card for XXXX XXXX having a security freeze. Account protection requested I open XXXX XXXX and then later stated they did n't need XXXX XXXX and for me to reopen XXXX multiple times. Then this letter stated they denied me for too many " Excessive INQ ''. They are the only company thats been requesting me to open XXXX multiple times. This is simply BAD BUSINESS! Account Protection stated they would remove XXXX INQ, but why? Because they obviously see there clearly is discrepancies in their handling of this application. No creditor willfully removes INQ unless they are guilty of doing bad business.
I have  XXXX  liens showing on my report. I contacted the city of  XXXX   XXXX  and they stated that it was not mine and that another person 's file was mixed up.  XXXX  other credit reporting agencies have already deleted these  XXXX  entries but Experian still shows then and addresses and names I have never gone by or lived at. I file disputes and nothing has changed. I logged in and went to the online dispute page and was able to begin but then was kicked out of the site for inactivity? I was actively filling out disputes. I tried to reenter and was denied access. This happens repeatedly making resolution of my issues impossible and doing me irreparable harm credit wise. These inaccuracies were the reasons for being denied credit.   I 'm tired of being the consumer denied access to my own report.
XXXX XXXX Account # XXXX {$1300.00} written off XXXX XXXX Account Showing twice ( Inaccurate, Unverified ) Unverified and Inaccurate Reporting of Charge-Off on this account This listed item is inaccurate and incomplete and represents a serious error in your reporting. I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt, and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with XXXX XXXX. Not reporting 100 % accurate information as required by section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act. The Consumer Credit Reporting Reform Act of 1996, Public Law No. 104-208, 110 Stat. 3009, imposed legal duties on entities that furnished information, or were otherwise acting as the sources of information to Experian, including collection agencies. 

XXXX XXXX Account XXXX charged off. {$19000.00} written Unverified and Inaccurate Reporting of Charge-Off on this account This listed item is inaccurate and incomplete and represents a serious error in your reporting.The account balance of {$19000.00} charge off reporting is inaccurate and not reporting 100 % accurate information as required by section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act. The Consumer Credit Reporting Reform Act of 1996, Public Law No. 104-208, 110 Stat. 3009, imposed legal duties on entities that furnished information, or were otherwise acting as the sources of information to Experian, including collection agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Collection XXXX XXXX XXXX Account XXXX Unverified and Inaccurate Reporting of These listings item is inaccurate and incomplete and represents a serious error in your reporting. I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt, and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I had no contractual agreement. Not reporting 100 % accurate information as required by section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act. The Consumer Credit Reporting Reform Act of 1996, Public Law No. 104-208, 110 Stat. 3009, imposed legal duties on entities that furnished information, or were otherwise acting as the sources of information to Experian, including collection agencies. 

These addresses are fraudulently reporting and incorrect and should be deleted ( I attached a notarized affidavit including my drivers license and utility bill with proof of residency ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Allied Interstate, Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.
In XX/XX/2013, my ex-wife asked Capital One to withdrew money from my saving account to pay the mortgage from Capital One. 
It is my saving account and it is not a joint account. 
I did not understand why did the bank follow her instruction without informing me.
Re : XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX  CA XXXX I am a renter in a house XXXX XXXX illegally foreclosed on. They then tried to illegally evict me, despite a 5 year lease. Under Federal and CA state PTFA, I have the right to live out my lease.

They left me responsible for hundreds of thousands of dollars in repairs, and nearly $ 100K in attorney fees. This house is dangerous and should be red-tagged, despite all my repairs.

During this process I discovered they stole the loan and the house. They withdrew their eviction. Now, they owe me money. I have been trying to get the money they forced me to pay on their behalf since I reside in a house full of issues, since

XX/XX/XXXX. Meanwhile, the former owner sued for Wrongful Foreclosure in XX/XX/XXXX.
I filed two CFPB complaints to highlight the issue - # XXXX and XXXX. They responded I did not have " standing '' which is the right to bring the complaints, even though I have been damaged by XXXX XXXX XXXX illegal activity. They then copied the former owner, in a violation of my privacy. THE FORMER OWNER IS NOT PART OF MY COMPLAINT AND XXXX XXXX   HAS BEEN TOLD TO STOP COPYING HER AND HER ATTORNEY AND THEY DID IT AGAIN.

My personal situation on this house, my PO Box , and the details of my claim against XXXX XXXX  are none of the former owner 's business.

Not only that - they used the wrong PO Box , sending my personal information to someone else. I informed them, and they did it again.

They are violating my privacy. Just like they stole millions of identities ( including for my own kids, separate issue ) -- they now have no regard for my privacy an willy nilly copy people not a part of my complaint against them.
I always pay my loan on time threw auotmactic billing. XXXX sold my account XXXX and they never notified me. I look on my credit report and it says im late 3 months behind. Now call XXXX and they said they cant help me take it up with XXXX loan. I still have to pay. Thats very unfair
On XXXX XXXX, 2016, I walked into Wells Fargo to deposit a check into my business account. When I approached the teller to make the deposit she brings to my attention that I do not have a savings account with Wells Fargo. I informed her that I was aware of the fact and I did not want a savings account. She made two more attempts to get me to open a savings account, to which I declined. On the teller 's fourth attempt, I informed the teller that I was short on time, but I would agree to speak with a personal banker to inquire about opening a savings account only if the personal banker were available after we completed the deposit of the check. After the check was deposited, the personal banker was not available, therefore, I left Wells Fargo without speaking to anyone regarding the savings account. I now realize that I have a credit inquiry from Wells Fargo on that day. I was never informed they will check my credit, nor did I authorize anyone to make an inquire on my credit.
Multiple offers for " pre-approved '' installment loan to assist with debt consolidation. Letters read : '' You 're Pre-Approved for a personal loan up to {$50000.00} '' Once personal information is entered on website, no offers given.
XXXX XXXX XXXX has been trying to collect a debt from me which I did not incur. Many years ago I had an account with them, but it was paid in full when terminated, and I have not had an account with them for years. This is what I told them each time they called. 
Today I received notice that they have turned this over to a collection agency, Joseph, Mann and Creed.
All The Major Credit Bureau 's have committed fraud against me and I need these issues solved immediately. The physical addresses for these companies are listed below. Not only have they hoarded my personal information without my expressed written permission/consent they have committed fraud against this consumer on numerous occasions. I have filed a complaint on XXXX with the F.T.C ( federal trade commissions ) my complaint confirmation number is # XXXX. I called them today Thursday XXXX XXXX and they told me to contact you about my issues as well. I want all matters of my credit solved and dismissed because they were under fraud and there was no written consent by this consumer which is Me. I have tried to solve these problems and there has been no action. My next actions are to take legal actions because these company think this is a game. This is my life and I am not going to put my life in the hands of the credit bureaus. They have already let me down by providing my personal information without my consent for their financial gain.Pursuant to the 1974 Privacy Act all three credit bureaus violated all my privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt collection Practices Act all 3 bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling to various debt collection, student loan collections, employers, financial institutions, and a host of others. My wish is for the C.F.P.B and F.T.C to demand on my behalf that all 3 three credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts, credit/debit card numbers, drivers license numbers, identification number, detailed health or medical history or any other similar sensitive personal information. All relations with these 3 credit bureaus ' are in question for reporting fraudulent information to disgrace this Consumer. This Consumer wishes for the damages of XXXX XXXX dollars and credit score of XXXX from all three credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to Thank the C. F.P.B for protecting my personal information, family, and household. 

XXXX XXXXXXXX XXXX XXXX XXXX, Ga XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ga XXXX XXXX
I received a phone call today from XXXX. The man on the phone said that they were preparing a suit against me out of Illinois for a credit card that I supposedly refused to pay. I immediately told him I did n't have any cards that were not current. The man on the phone said that this was a credit card that was opened in XXXX and then said the company reported to them that it was open until XXXX with no issues. I told him I did not have that card and I did n't have a card in XXXX that was open until XXXX and I asked him to reiterate that he was planning to file a suit to collect. He said they were preparing the suit and I again told him I did not have that card. He asked me to confirm my name again and what my maiden name was. I have been married for 13 years. I have n't had any credit cards in my married name that I do not still have. 
He asked me about a mailing address that I had over 15 years ago and I again told him, I did n't have that card and certainly did n't have one that was open in XXXX. He then said that the card was open until XXXX and changed the year he claimed it was open until. 
So he said that he would go ahead and put down that it was indeed a refusal to pay. I angrily told him that I was saying that it was not a refusal to pay but that this card was not mine. I did not have any cards that were open in XXXX. He said " That 's okay, we already have you recorded ''. I told him I was going to report him and he said to " Go ahead and report me ''. 
This company, whose name he said was Asset Recovery Solutions, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.
In  XXXX     2017 my   Company b egan a student loan repayment program, designed to help employees pay off their student loans. These payments are approved through a third party vendor, and require approvals through submission of paperwork and eligibility. In  XXXX   2017 I w as approved and my Company began sending {$100.00} checks t o Discover Student Loans to aid in paying off my loans. I have an auto debit payment schedule with Discover. Prior to entrance into this program, I contacted Discover and explained to them the situation and that a third party vendor would be making payments on top of my current monthly payments. I requested to not have any additional money received to count towards my expected payment amount. Discover has refused to pr operly apply my additional payments, and instead consistently apply them to future due balances, effectively delaying how soon I can pay off my loans and lowering the amounts pulled automatically from my account. I contacted them when I noticed this error, asked to have it corrected, and that any future money received from a third party vendor to be applied directly to principal balance. Since then they have continued to apply my payments incorrectly.
Synchrony Financial XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Late Fees on {$20.00} balance resulted in {$67.00} in Late Fees and on top of the {$67.00} Interest on the Late Fees. 

Credit Card and Store Credit Card Fees Late Fees and their Interest on the Late Fees are much higher than Mortgage and Car Loans by factor 3x?
It comes up Discover Finance ... ... I do not own a XXXX card, never have.
I was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account. During the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.
On XX/XX/XXXX received a letter from XXXX XXXX XXXX XXXX PA. XXXX XXXX office address is XXXX XXXX XXXX XXXX XXXX Fl XXXX. Office number is XXXX his email is XXXXXXXXXXXX. That Suntrust bank has put my account in collections.No Demand letter or Notice. He is a debt collector law firm. SunTrust Bank Acc # XXXX. My XXXX XXXX SunTrust Equity Line. XXXX XXXX XXXX XXXX & SunTrust Bank have n't sent me anymore Statement since XX/XX/XXXX. On XX/XX/XXXX sent By USPS Mail sent to XXXX XXXX Debt Collector to XXXX XXXX XXXX XXXX XXXX Fl XXXX. Client SunTrust Bank Acc # XXXX last 4 digits To XXXX XXXX & XXXX. Wrote them that I am a federal office on file in the state of XXXX XXXX ( 9 ). XXXX XXXX XXXX is my boss Commissioner in XXXX Fl. State lic # JF XXXX. Gave him all the contact of my Business attorney XXXX XXXX licence in debt in XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX & his office phone number. All Contact goes to him. In XXXX XXXX put my home at XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Office # XXXX for sale. Had a buyer all he has sent is Pay-Off receipt on XX/XX/XXXX from XXXX XXXX XXXX email of {>= $1,000,000}. I need SunTrust Equity line Statements for my CPA to file federal income tax to IRS for year XXXX and how much interest I paid in year XXXX. My First Mortgage XXXX Mortgage Loan # XXXX has sent one every month. Cant sell my home or do my tax 's without those Statements of XXXX to XX/XX/XXXX & XX/XX/XXXX. How much Interest I paid. I file early so I know how much I have to pay in XX/XX/XXXX. I am a Small Business Owner Company Name is XXXX XXXX XXXX. Please help me get these statements so I can sell my home & can give my paper work to my XXXX XXXX. Do n't want to get in trouble with IRS. I need to have this Equity Line Statements XX/XX/XXXX & XX/XX/XXXX to give my paperwork to my XXXX & XXXX. My XXXX XXXX has a lot of clients & run a bar in XXXX XXXX Fl. I will lose the buyer soon if I do n't get proof of SunTrust Equity Line Statement the one from Suntrust Bank to see if the amount of pay-off is right the one is XX/XX/XXXX amount is different {$24000.00}. Made my last payment in XX/XX/XXXX. Working 2 jobs now had XXXX XXXX in year XXXX. That is why I got behind in my payments. Have medical documents & paperwork to prove this mess. Please HELP me with this Debt Collector Atty. I shouldnt have to ask several times & send his emails and call my attorneys office. Sincerely : XXXX XXXX XXXX XXXX # XXXX
Opened an account XX/XX/XXXX with Chase bank. Account was notified to be closed XX/XX/XXXX with dispute due to be completed by XX/XX/XXXX. No notification was given until a letter that was dated XX/XX/XXXX however the envelope was postmarked for XX/XX/XXXX, well after any dispute could be filed. I did not receive the letter itself until XX/XX/XXXX. Chase refuses to take responsibility for this lack of due notice. Chase also refuses to state exactly WHY my account was closed, even after referring me to Loss Prevention, which suggested potential fraud. As stated by no less than 4 individuals ( I escalated the call repeatedly ) there is NO ONE at Chase who will give me the exact reason why the decision was made to close my account, and NO ONE who will explain or take responsibility for due notice not being given in the correct time frame that would've allowed me to fix it. There were no phone calls, no emails, no messages on the account, no other letters other than the one scanned and uploaded. They also refused ( until the final escalation ) to verify my husband 's information ( he was also in the call with me ) being the primary account holder, with myself as the secondary.
I applied for and received a installment loan amount from Big Picture Loans on XXXX in the amount of XXXX dollars. I can no longer afford the interest only payments. I found out the payments set up on my bank account are for interest only and do not at all go towards my loan principle. I have contacted my bank and put a stop payment service setup on my account so I do not have my pay check funds taken away for me. This is a monthly payment I can no longer afford and I see now they say I owe XXXX dollars. It seems every time I look at my balance w fees and interest it keeps rising. I did not realize when I took out the loan that the monthly payments would be only interest and not also applied toward the principle amount of the loan.
I have been trying to get ChexSystems to remove the fact that I am dead from their credit report ( Ref # XXXX ). I am not dead and they have not attempted to contact me or reply to my request.
My mortgage has transferred to different servicers a few times. I had set up bi-weekly payments to reduce my interest burden. 

However, I recently noticed a message reporting partial payments are not applied to the loan but instead held in a separate suspense account until the balance is fulfilled and then it is applied to the balance. 

Is this legal? We live in Hawaii. I would think they must be benefiting from my extra money being held in there suspense account, in the form of interest in their favor. They surely must be generating interest on it. 

This defeats the purpose of bi-weekly payments. This strategy by the mortgage servicer is impeding the client/consumer/home owner from reducing interest on the mortgage and the length of the loan. 

I am very upset to just learn this. I feel this is wrong and should be illegal. It is my understanding that I am allowed to pay off the loan early and this practice inhibits it. 

I am upset.
I requested accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX to be removed from my Equifax report. I sent letters in XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX certified mail. I have no knowledge of these accounts. I requested these accounts be validated, and proof of validation sent to me. I did not receive any validation of these accounts or any letter of investigation in 30 - 45 days. I finally received 2 reply letters stating the accounts were verified/validated. Credit File date : XXXX XXXX, XXXX, Confirmation # XXXX & XXXX File date : XXXX XXXX, XXXX, Confirmation # XXXX. I did not received any proof of validation with these letters as requested. 

I recently received another letter stating the accounts were verified/validated, with no proof of validation with this letter as requested also. XXXX XXXX date : XXXX XXXX, XXXX, Confirmation # XXXX. 

I have a XXXX XXXX on my Equifax credit report and my personal information was compromised also as a part of the recent Equifax Breach situation a few months ago.