WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo Home Mortgage ( lender ) is currently processing my VA Mortgage Loan to purchase a home. The lender approved our loan and we received our lender commitment letter XXXX XXXX 2015 for the amount of {$170000.00}. We found a property we wanted to purchase with an original price of $ XXXX that was later appraised to $ XXXX. The lender had us ( the buyer ) pay the following fees : Title Fee ( {$1000.00} ), Inspection Fee ( {$300.00} ), Appraisal Fee ( {$440.00} ) and other processing fees. To this date we do not have our corrected GFE yet. The lender has sent us numerous rough drafts of the GFE with multiple errors and discrepancies like for example : charging the buyer costs that do not apply to VA Loans. The even tried to have the buyer pay for the Property Termite Inspection and Survey Fee which I refused to pay. I have been more than patient with the lender and right know we are very stressed and XXXX about the whole ordeal.
In the month of XXXX of the year 2015 I had went into the store and tried to use my capital one card. Unfortunately I was n't able to use my master-card. I went and tried to use my capital one visa card, I was unable to use that card either. I looked on my account because if figured something was going on. I went into the capital one bank in XXXX XXXX VA where i had set there for XXXX to XXXX hours trying to figure out whats going on with my capital one accounts. 

The branch manager put me on the phone with capital one and capital one gave me the run around. As a witness to this issue I had the bank manager XXXX out of the XXXX V.A. office helping during the duration of this pertinent issue. 

There have several reports sent to capital one and a investigator was assign to the case I spoke with with someone there on XXXX XXXX at arpoxmently XXXX She again they swticthed me another department as they have done so a month ago. 

Its no resolution being taking into affect by captialone and I would like to resolve this issue and possibly go to a different bank, as I see that capital one is n't reliable on fraud charges.
I ordered some merchandise and it was lost.Was paid for on XXXX XXXX, 2017 from XXXX XXXX For XXXX .Instead of reversing the charge on XXXX XXXX She sent me the money like she was buying something from me so instead of going back onto my card it went into a paypal account .After I realized I was unable to withdraw the money out of the PayPal account because they have limits on how much you can withdraw.I called PayPal and they told me to return that money and ask her to reverse the Chargers. On XXXX XXXX I sent her payment back and asked if see could please reverse the payment on th initial charge so it would go back onto my card I paid with because I was unable to get the money the way she sent it. Lesson learned you cant trust people
I received recently my credit report and I am still seeing accounts in my report which should be deleted. Those accounts were authorized users accounts and I am no longer an authorized user of any of them. The following accounts should be deleted immediately : XXXX account : Creditor Name : XXXX XXXX Account Number : XXXX 2nd Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 3rd Account : Creditor Name : XXXX XXXX Account Number : XXXX 4th Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 5th Account : Creditor Name : XXXX XXXX Account Number : XXXX
I filed bankruptcy only one was XX/XX/XXXX, My XXXX XXXX was discharged.

( See Attached ). They change dates and switch names now to XXXX XXXX XXXX. The last time attend College was in XXXX. They are still reporting incorrect information.
On XX/XX/2018 I submitted a dispute for inaccurate information on my credit report ( FIN # XXXX XXXX. More than 30 days elapsed and I still didn't hear back from Transunion on the results of the investigation. I called them and requested a report on the results of the dispute. They refused to send it to me on the grounds that they had the wrong address on file. I gave them my updated address and they still refused to send me the results of the dispute.
My car was repoed. Toyota finance says my balance was {$4300.00}. I paid {$5600.00} through my bankruptcy dispersed to Toyota. ( copies included ) I also paid 2 years at {$260.00} per month before my bankrutpcy. That 's {$6400.00}. For a total of {$12000.00}. When i called after the repo Toyota did n't know that {$5600.00} was collected through the bankruptcy. That money was never applied. When they realized it I was promised a phone call back, and they would work something our with me. I have been ignored. I want my {$12000.00} back. That is what I paid for my car. They took it. Sonow they owe me what I paid for the car. I have included copies from the bankruptcy trustee, and a balance from Toyota. they took the entire car with low miles on so I want all of my money. It 's not fair that i paid all that money and they keep all the interest and the principle. so whay is fair is all the money I paid
I am a Citi Cards card holder. I received a solicitation stating " No foreign transaction fees on purchases ''. This then apparently meant only that they were charging a fee in U.S. Dollars, but still a per cent fee on each foreign transaction. This is DELIBERATELY misleading, as some cards actually do NOT have foreign transaction fees.
Bank of America falsely reported bad credit to the credit bureaus and closed my account, which I have had with them since 2002. I am living overseas at the moment, so I do not use the card frequently. Then all of a sudden, I got an alert that I had a {$50.00} unpaid bill from Bank of America and that they had reported delinquent credit two months in a row. This was unbelievable to me, since I had not used the card. But I paid it anyway, just to get them to stop reporting my credit. But then they closed my account, after 16 years of being an excellent customer.

I spoke to XXXX XXXX today, a supervisor in their customer service department. But he refused to help and yelled at me.
initiated file with CFPB in XX/XX/2018. # XXXX XXXX. Received notification via email that company had responded. They have not responded to me. Why does CFPB indicate company responded and case is closed?
I had a Mortgage with XXXX XXXX in XX/XX/XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and XXXX XXXX XXXX assumes my XXXX XXXX XXXX # XXXX. In XX/XX/XXXX the XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XX/XX/XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XX/XX/XXXX, and the fact that I refinanced my XXXX Home in XX/XX/XXXX, paid it off completely when I sold the home in XX/XX/XXXX. Financed a brand new XXXX XXXX in XX/XX/XXXX, it too is completely paid off, but I am still being denied credit in XX/XX/XXXX because of this Fraud to my account! I do not feel like this is fair to a XXXX XXXX that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX XXXX  of this country! You can't report both loans! Thgis is Fraud!!!!!
To Whom It May Concern : Both XXXX  and Transunion began to report an unpaid debt on my account in the amount of {$130.00} to XXXX XXXX XXXX around XX/XX/2018. This is stunning, since XXXX  checked into my dispute regarding this account and removed it immediately. Both XXXX and Transunion, however, refused despite several phone calls and dispute filings. I do not owe that company any money. I have never missed a credit card or loan payment in my entire life, and these credit reporting companies have now reported an unpaid delinquent debt that cost me about 50 points on their credit report. I asked the credit reporting companies whether there is a judgment against me of any kind with respect to this debt. Neither XXXX  nor Transunion could find any such judgment. Nevertheless, they stated that XXXX XXXX XXXX claimed I owed money, and that was the end of the inquiry. I asked why my statement that I did not owe any money would not be held in the same regard as that company 's statement. But these companies had no valid answer. 

Furthermore, Transunion continued to add a suffix to my name that does not exist over my objection. XXXX  did the same thing. I disputed this with them, but only Transunion fixed the error. XXXX  refused, demanding personal information, which I was unwilling to send them due to their record of records ' breach ( which impacted me ). They stated  one company ( out of 50 accounts ) reported my name as XXXX, and they would take that company 's word over mine and that of 49 companies.  This was stunning, and to this day, the company continues to hold me out as someone I am not. 

I hope you can fix this! 

Sincerely, XXXX XXXX
I have been harassed by United Home Loans of XXXX for a bogus loan that I never signed any contract for. I moved here from XXXX in XXXX XXXX, XXXX to a Lease to Own four year lease, but the home was not livable when I moved to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. I had taken them to court and had won the complaint and was awarded all my funds I had given to XXXX to secure the lease to own. I had only was awarded my {$1400.00} back without any regards to the expenses of having my electronics and furniture exterminated and moving expenses to another livable home. Since the court order, I have been harassed for payment of a {$50000.00} home loan that XXXX had contracted out to United Home Loans that I never knew about or signed any contract with. The website of XXXX XXXX XXXX XXXX states that their homes are purchased from foreclosures and repaired by their own maintenance team to livable condition, but this home was not even seen by them to do any repairs or exterminate before I moved in. I tried negotiation with XXXX to pay for foundation repairs that were the most dangerous of the home along with bad dangerous wiring that had shorts in the crawl space that was dug out making the house collapse. Mean while I had done some foundation stabilazation and plumbing and electrical repairs and had sent XXXX bills to XXXX for labor and Materials which was a small charge of {$600.00} to do and they refused to pay. 
The furnace was leaking from the control valves inside the furnace and almost burned the home down before I found out. The home should have been condemned before renting it out. Now since getting involved with XXXX and winning in court, they have hired UNITED HOME LOANS XXXX to do their billing to me for {$50000.00} loan I do not have any contract with. I had informed UNITED that I do not have any loan with them and told them to cease and desist their attempts to collect on a debt I do not owe, but they still send me notices every month with late fees of {$75.00} and claim I owe over {$3400.00} in the XXXX XXXX XXXX billing invoice. I would like to get treble damages from UNITED HOME LOANS XXXX in the amount of {$150000.00} plus and legal fees and court costs. Since XXXX had initiated this whole scam, I would like to get Treble Damages from them also for pain and suffering and material costs of work rendered on the home at XXXX XXXX XXXX XXXX, XXXX XXXX. to be able to move into safely when we arrived.
I am a victim of identity theft which is reported on  XXXX  of  XXXX  credit bureau 's  XXXX   XXXX  given all the required documentation proving identity theft refuses to remove the in accurate charge on my credit report
Chronically misinformed (17 years!!!) by both XXXX XXXX and Navient, that income driven and accruing forgiveness options were available.Every single year I called in to try to implement and they actively denied these were possibilities.I always was responsible and did exactly what I was instructed was the best and only options available to me.I would the retro-foregiveness time that was denied me to be applied. That's nearly 20 years! I actively asked and had no recourse.I would like to be included in the litigation that is going on now.I was also not allowed to take my loan to another institution (ongoing - even within the past few months) they claimed. The loan has nearly 8% interest from 20 years ago, even though interests rates have gone down substantially over those years.
We fell behind on our house payments due to  XXXX  loss and of our business. I have been in ongoing conversations with Chase. I also spoke to our Represenative. We informed her  ans   Chase  we recently rented  1/2  our house out to help pay our mortgage payments. I informed the  Represenative  we were keeping our house. I inquired about modification and she told me to wait  two  months to show the income from the new rental. I informed her we could make a full house payment  XXXX / XXXX /  XXXX  . I spoke with her  XXXX / XXXX /  XXXX  . LAst night I got a call from  Chase  and I was told our house was in the foreclosure department and we would now be responsible for legal fees and many other costs even if we could paid the delinquent amount.   I made it clear, we would complete a modification packet, but was told by our Represenative to wait. On  XXXX / XXXX / XXXX  We were told our loan was in foreclosure. This is misrepresentation and an attempt to charge us for extra fees!!!  Chase  is practicing bad faith and unfair business practices. We do t qualify for Save your Home, CA., our loan is over the {$720000.00}. Amount allowed, but is {$750000.00}.   We simply asked for 5 more business days and for Chase to take 1 payment. We went to great lengths to rent out  1/2  our house, now  Chase  is foreclosing!!! We want this stopped! And we should not be charged extra fees! This is against everything Chase is supposed to do to WORK with homeowners and not TRICK them. They have money to help people like us and have not upheld their obligation.   Please contact us for our loan number and anything else you need. We only want a fair opportunity to save our home!   Thank you.
Keep getting harassment calls from my mortgage service company Seterus , Inc. My mortgage is due on the XXXX of each month and late on the XXXX. Continuously receiving calls from this company even though the terms of mortgage payments are being met. Mortgage is usually received between the XXXX and XXXX of each month which is within payment requirements. I have asked this company on numerous occasions to cease and desist with this unwarranted and harassing calls but to no avail.
I, XXXX XXXX XXXX does submit a statement to the Consumer Financial Protection Bureau ( CFPB ), not necessarily as a complaint, but as a resolution to a current foreclosure matter that can be easily resolved. Over one year ago, I took possession of a home where the owner needed to move back south to XXXX. Initially I tried to refinance the property, but because the property was already in default, there were no traditional mortgage programs that would approve the transaction. I was also in a period where I was rebuilding my personal credit. I then tried borrowing funds at an excessive rate of 14 %, but the math simply made the transaction a huge loss for me to go through with it. When the property went into a foreclosure status in XXXX of 2018, I was in the position that I had to defend the action pro se. However, I have attended the property needs such as repairs, and I desire to move into the structure as an owner/occupied property, make mortgage payments, acquire property insurance, and eventually refinance the home altogether. I am requesting that {$40000.00} of the current balance be placed in forbearance. The amount should cover the unapplied balance. The current interest rate is an exorbitant 9 %, which needs to come down to 3.5 %. In this fashion, I can afford a payment that will be reasonable, and I will agree to refinance the property after 24-monthly payments. There are simply too many foreclosures in the XXXX, XXXX XXXX area, and the property I own does not need to be in those statistics. Accordingly, I request the CFPB to be a go between on this matter, post the file on the internet as a foreclosure workout scenario, and place the complaint with the Comptroller of the Currency and/or the Federal Deposit Insurance Corporation as a mandate showing that there are reasonably solutions to foreclosure matters that does not require years of litigation. The judge at the XXXX County Supreme Court desires to see this matter worked out without the option of foreclosure, and I am in a position to do exactly what is best for this situation.
My due date for Home Depot  Consumer  credit card is the first of the month.I pay it early each month on the  XXXX  or  XXXX  of the preceding month. They charge me a late fee saying it was for the previous month even though I made a payment for double the amount due  XXXX  weeks earlier. This appears to be a scam to generate late fees for payments that are not late.   They ca n't ( or wo n't ) explain what date I need to send in my payment to not be late.   There is no possible way to get caught up.     I pay {$200.00} on   XXXX     and {$200.00} on  X/XX  30 days apart yet my {$180.00} payment on  X/XX    generates a late fee on  X/XX . The minimum payment is less than {$100.00} for each of these months. This should never happen.     Predatory late fee structure designed to generate unearned income to company.   Consumers have no recourse. Phone line help staff are clueless.
I AM FILING A COMPLAINT AGAINST MY MORTGAGE COMPANY SPECILIZED LOAN SERVICES BASE IN XXXX, I LOST MY SOCIAL SECURITY FOR A 3 MONTH PERIOD INXX/XX/XXXX -XX/XX/XXXX AND I TOLD SPECIALIZED LOAN SERVICES THIS WHEN IT WAS HAPPENING AND I WAS TOLD WHEN YOU GET YOUR INCOME BACK JUST SEND US WHAT YOU OWE US TO GET BACK ON TRACK, SO I DID IN XX/XX/XXXX I SENT THEM A CHECK FOR THE 4 MONTHS AND ABOUT MID XX/XX/XXXX THEY SENT ME A LETTER AND A MY CHECK BACK STATING THEY ARENT ACCEPTING THIS CHECK AS IT IS PAST 90 DAYS AND MY LOAN IS IN DEFAULT. IN XX/XX/XXXX I GET A LEGAL PAPERS STATING BC OF THE DEFAULT THEY ARE STARTING FORCLOSURE PRECEEDINGS, I IMMEDIATELY GET AN ATTORNEY AND HE BEEN TRYING TO TELL THEM THAT I HAVE THE INCOME TO SUPPORT THE HOME AND I WANT TO STAY IN HOME, AND BECAUSE THE MORTGAGE COMPANY AND THE COURT ARE DRAGGING THERE FEET, I NOW OWE {$73000.00} IN ARREERS AND MY ATTORNEY HAS LEFT NUMEROUS MESSAGES FOR THE MORTGAGE COMPANY TO PUT THE AREERS ON END OF LOAN AS A BALLOON AND THE MORTGAGE COMPANY REFUSES TO CO-OPERATE OR EVEN GIVE ATTORNEY A PHONE CALL OR NOTHING THEY REFUSE TO MOTIFY THIS LOAN OR EVEN NEGOTIATE THIS LOAN, AND I HAVE NO OTHER WAY BUT BANKRUPTCY AT THIS POINT WHICH I DONT WANT TO DO.I AM ON XXXX CANT WORK, AND THE SPECIALIZED LOAN SERVICES REFUSE TO NEGOTIATE WITH MY ATTORNEY.
On Sunday XX/XX/2017 my attorney went to charge card {$500.00} I had {$570.00} deposited. See attached. 
Wells Fargo mysteriously decided to put a " limit, '' on what my debit card can be charged daily. This was made up on the fly and never existed before nor I had I been subjected to such ridiculous restrictions with my debit card. 
I do not appreciate the wrongful interference on the part of WF and their Fraud department hiding behind false claims of fraud when there was no fraudulent activity in the first place reflected on my bank account. All my charges are tracked online and there was nothing out of the ordinary and there was no need to " flag '' my account for fraud. 
The entire time I 've had this card I was able to charge over {$500.00} a day and never had a problem with it nor has my checking account flagged for fraud. This so called fake new " limit '' ( and excuse ) placed by Wells Fargo is not for withdrawal at an ATM it is for charging my card which has funds available. I am sure Wells Fargo will provide lame excuses about how they are protecting my account when in fact that is far from the case. 
This was deliberate, and unacceptable. Wells Fargo is corrupted.
I had XXXX student loan under Discover Student loans in XXXX XXXX. I submitted graduate school deferment paperwork in XXXX of XXXX. Discover claimed to have lost my paperwork in XXXX of XXXX after multiple calls to confirm status. After paperwork was resent, it took until XXXX of XXXX for my account to officially say it was in deferment, with weekly calls from me. I was repeatedly assured that the deferment status would be retroactively applied to my account so my credit would not be affected. My credit report says I have a missed payment on this loan, but I never missed a payment. Discover never retroactively put me in deferment for the XXXX and reported me as having a late payment on my loan. I disputed this charge with the lender in XXXX and it was removed, but has reappeared on my credit report as of XXXX.
I was behind on my Discover card, was unemployed, and XXXX offered a payment plan to fit your needs ( what you could pay without not paying at all ). At first it was {$60.00}, then it went to {$70.00} and then it was an amount they had not discussed with me, and I had my payment set up for auto pay so that I would n't get behind on the payment plan. Well, I got a statement and I was told that the min. payment had gone up and that 's why I was so the past due amount was high. 

The second thing is, when I did the payment plan option, it ask you to choose a date. I chose the XXXX and then the XXXX. Well Discover does not tell you that even though you are on a payment plan, with a different date, that they report to the credit bureaus that your payment is late. So even though you are paying on time with the payment plan in place, it 's not reflected to the credit reporting agencies and this is wrong and unethical. I have been paying that bill on the XXXX and later on the XXXX with NO KNOWLEDGE of my payment being reported as LATE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This ridiculous! I chatted with a Discover rep today, XXXX and she said that it 's not told to cardholders who do the payment plans. Have them pull that chat for today 's date about 5 min ago and you can read it for yourself. I want my late reports removed immediately!!!!!!!! This is not fair. Very unethical.
I keep receiving phone calls from people at a company called STP management. I have talked to them a total of two times. They have never sent me any written document to my home address. They are also calling my family members more than once. This is a violation of the The Fair Debt Collections Practices Act as amended by Public law 111-203, title X, 124 Stat 2092 ( 2010 ). Section 804 and 809. I found their website and contact information and have emailed them. I have notified them that they have violated by rights and they need to provide written correspondence of the debt that is owed.
I had opened an account with CareCredit to pay for a dental procedure. I was told that I would have no interest if it was paid in the XXXX XXXX months. At the conclusion of that time period I was charged accrued interest and my balance skyrocketed above what it originally was. I never received any notification when I signed up for a CareCredit account of the accrued interest or any notification by phone, email or regular mail that this would happen nor did I receive any notifications when the date was upcoming. This company has been sued and were mandated to issue refunds to over a XXXX consumers, I became a customer prior to this suit and have been a victim of the same deceptive practices. I have requested a refund or at least a reduction in my interest rate and have been denied XXXX.