WillisBack/dataset-financial-user-claim huggingface dataset:
Hello I was given a loan estimate with closing costs of {$7000.00} dollars. This included {$2300.00} in loan costs + {$4700.00} in other costs. Completed some paper work and then provided {$500.00} dollars of good faith funds. A couple hours later that night I get a email message saying the loan estimate has been revised. Looking at it the closing costs went up to {$10000.00}. Now included {$5800.00} in loan costs + {$4300.00} in other costs. Basically they added 1.5 % of loan points at a cost of {$3700.00} dollars. The fist estimate only had XXXX of loan points at a price of {$310.00}. Can they legally do that approach of a bait and switch on my loan estimate? I called the loan manager and he said it was a system error and would be corrected but I have yet seen the updated original loan estimate. Now they want to keep my {$500.00} dollar good faith payment. The mortgage banker got an attitude when I called him and asked what happened. He said he was going to cancel my loan and keep my {$500.00}
I purchased a used vehicle XX/XX/2017 and did a voluntary repo on I believe XX/XX/2017. The vehicle was bought back to them twice with mechanic issues and the week I gave it back it stopped shifting into third gear when driving..reason why I gave it back. I financed the vehicle through them and they are still wanting to collect on a vehicle that had nothing but issues. I understand about the used car laws with consumers that we pretty much are n't protected but their should be something or someone out here able to protect us from USED CAR DEALERSHIPS that do this to hardworking people who hit hard times and have to go to lots like this. I 'm disappointed, upset, and angry. If I ca n't completely get out of this contract at least I want to try and get the amount owed reduced drastically!
At closing of my loan with Caliber Home Loans, Inc on XXXX XXXX, XXXX, for the amount of {$490000.00} - I was presented with a Compliance Agreement. I have no problems with compliance agreements to provide missing documentations but under this agreement, I as a borrower only have 7 days to comply with any request. 

XXXX I have with this agreement is the small window I have to comply with this request. What happens, if I get a letter in middle of a vacation or business trip and I cant respond within 7 days? Under this agreement, my failure " shall constitute a default under this loan. '' This seems like a easy way for bankers take advantage of borrowers for noncompliance. 

If I had known about this requirement with sufficient time to close, I would have never have gone through with this loan. Unfortunately, I had no time left to look for alternative funding options without my real estate deal falling through. Therefore, I was forced to sign this agreement to ensure I did not loss my {$10000.00} deposit as part of my sales agreement. I feel like the bank had me over a barrel and I had no choice but to sign this agreement. This agreement is 100 % in favor of the bank and offers zero protection to hard working consumers. I really appreciate you looking into this matter.
I have XXXX GBP ( about XXXX US Dollars ) on account with Coinbase. 

In order to withdraw money from my account, Coinbase says I need to verify it by depositing XXXX Euros by bank transfer. They say that once this is done, the account should be verified within 2-3 business days, and I should be able to withdraw my XXXX GBP. 

I deposited these XXXX euros on XX/XX/XXXX, and as of this writing Coinbase is still refusing to verify my account, and is withholding my XXXX GBP. 

I first contacted Coinbase about this onXX/XX/XXXX. I have received many vague responses assuring me a resolution is just around the corner, but as of this writing, they still have my money. 

I am attaching the history of my communications with Coinbase. 

Thanks for reading, and I hope you can help me out with this.
My original mortgage loan was purchased by Wells Fargo in the late   XXXX   XXXX  . After my wife died on  XX/XX/XXXX  Wells Fargo scheduled my home for foreclosure in   XXXX   of the same year. I tried and tried and tried to to work out something ; anything to keep my home and I was turned away. I sent Wells Fargo repeated copies of my wife 's death certificate and they never seemed to be able to keep it. They continue, to this very day, to send correspondence to my deceased wife or to her and I jointly. Though I have made repeated request for them to remove her name as she is DEAD. I have had agents of Wells Fargo say they would review what has happenened to me but they have never disclosed any information concerning any findings. They have now sold my home and have not provided me with anything information whatsoever. They just took my house of 20 years after repeatedly denying me a chance at a loan modification or any remedy at all, like I was nothing. Perhaps, I am nothing. Please help!!
The bank overcharged me for a service on my debit acct. I called the bank and tried to rectify the situation : I am a XXXX XXXX and I went to their branch office and tried to put the money an ATM and the bank did not have a machine for me to put in the funds. And then, I called them and asked them if I could put the money in by the closing of the business day and they refused. I want my overcharge removed from my acct. I was not treated appropriately.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2015 I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
In XXXX XXXX I received an alert from my credit monitoring service of a negative account with allied collection services of nevada reporting on all XXXX credit bureau in the amount of over {$400.00} with the original creditor of gentle breeze dated in XXXX. I never heard of any of these companies nor have I ever conducted business with them nor have I ever received any written correspondence from these companies regarding this fraudulent account prior to it being placed on my personal credit reports. I was never given the opportunity to request validation and because this company has placed this invalidated information on my credit files, they are in violation of FCRA and FCRA. I pay my bills on time and have n't had any derogatory items on my credit reportscore in years.
My husband set up a payment arrangement with a recovery company name XXXX XXXX, Alpha Recovery or something similar for XX/XX/XXXX in the amount of {$640.00} on XX/XX/XXXX. They were very rude and trying to force him to make a payment that day after he told them several times that he could not. The payment was not made on the XX/XX/XXXX due to insufficient funds. A lady from the company called me on XX/XX/XXXX and requested the payment from me in a very rude & demanding manner. I told her that I was unaware of the conversation between my husband & their company so she should talk to me in a more calm and respectful tone. She started yelling and talking crazy to me so I disconnected the line.
They called while I was at work ; they knew that. I asked them for the address, quietly and repeatedly to where I could send the money. She kept trying to force me to give her a " post dated check '' over the phone ; even after I explained that I could not do that because I was unsure when the money would get here. She then stalled to keep me on the phone to ask for information she clearly already had, phone number, email, etc. To be really honest, if I can close on this home within the next 30 days ; because of this persons actions ; I would rather take out bankruptcy rather than give them the {$110.00}. I know that seems stupid ; but she knew that what she was doing was wrong.
I have been making payments each month through the companies " XXXX '' However each month I am getting a notice saying my payment is late. I pay before my bill date and always get a receipt. On top of that this company is not applying the extra I am paying toward the principal, but instead putting it all toward interest. At the beginning they were, now they are not. The paper bill and the online system never have the same figures on it. I am tired of this. It took me may months just to get a paper bill from them, now that I have it, my payments are not being applied correctly nor is the principal shrinking.
I accepted a settlement agreement with this agency. I paid off the debt as arranged ; however, this agency has failed to do its part and have the debt removed from the credit bureaus.
I had an account with M & T bank ... I disputed a {$1000.00} charge in XXXX ... they gave me a provisional credit ... later reversing their decision in XXXX ... however I went to court in XXXX ... the judge ruled in my favor ... I feel like M & T bank wrongly released funds ... I now have a {$51.00} charge off my credit ... .which I feel I would n't have if they had n't been prejudice to my situation ... and me as an individual ... after working with the attorney general 's office ... they directed me to the bank to recoup my funds and M & T bank advised me that they can not help me to do so ... .even though they filed my dispute incorrectly. So I feel like M & T bank has failed me ... and now ca n't even help me..after they made a mistake
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX.I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
1 ) I sent this email to my bank : Greetings, I am a customer, and I tried to look up info on Union Bank 's exposure to pressure from oil and gas markets. I 'd like to get a clear picture of how much debt Union Bank carries in that sector. Can you please point me in the right direction? Thank you. 

2 ) I received this response : Dear XXXX XXXX, Thank you for your recent e-mail. Please see the link below. 
XXXX We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center. 
Thank you for banking with Union Bank. 
Sincerely, XXXX XXXX. 
Retail Customer Service 3 ) I responded : Thanks for the response, XXXX. But what I was looking for was the amount of of outstanding loans the bank has in the oil/gas sector, not its investments. Where do I find that info? 
Thanks, XXXX XXXX 4 ) They responded : Dear XXXX XXXX, Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. 
We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center. 
Thank you for banking with Union Bank. 
Sincerely, XXXX XXXX. 
Retail Customer Service 5 ) I sent another email higher up the food chain : Greetings. I recently asked a question about amount of of outstanding loans Union BankXXXX bank has in the oil/gas sector and received back a link with information about the bank 's portfolio. Following up, I received this email : " Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. '' Surely someone somewhere is keeping track of the information I am requesting. As a customer, I am entitled to this information. Please provide it or refer me to someone who can. 
Thank you. 
XXXX XXXX 6 ) I received this response : Dear XXXX XXXX : Thank you for your recent email. Below is a link to XXXX Union Bank financial highlights XXXX Unfortunately, the information you are requesting is not public information and we are unable to share the details due to the privacy law. 
If we can be of further assistance, please send a new message from our Secure Messaging Center, or call Online Banking at XXXX XXXX XXXX XXXX. Online Banking agents are available to assist you Monday thru Friday from XXXX to XXXX XXXX XXXX XXXX XXXX, and Saturdays from XXXX to XXXX XXXX XXXX XXXX ). 
Thank you for the opportunity to assist you. 
Sincerely, Customer Care 7 ) QUESTION FOR YOU : Am I not entitled to know how my bank uses ( lends or invests ) the money I deposit? Oil and gas is taking a huge hit right now and I want to know how my bank is exposed to losses. Is that not my right, especially after the mortgage fiasco? 

Thank you for any guidance you can offer.
XXXX XXXX has notified me on XX/XX/18, that there has been a collection placed in my credit report from Midwest Recovery Services with a balance of {$7000.00}. This company has not provided me with account information in writing to dispute. Company hasn't notified me by phone or in writing. This account does not belong to me. I request this collection to be removed from all 3 credit bureaus. 

Thank you
My credit report is showing a late payment from XXXX XXXX. This payment was made in XXXX however, I believe that there was an issue with the system as the payment was never processed even though on my end it appeared to be accepted. I did n't realize that the payment did n't get processed until the following month and by then it was too late. As a result I now have a late payment on my credit report that is preventing me from buying a house. I have never been late on this account in all of the years of owning this home and would like this credit blemish removed as it was due to no fault of my own.
Multiple times I have contacted all 3 credit bureaus XXXX  and XXXX  about the false collections showing on my credit for XXXX XXXX XXXX XXXX through a collection company called PARAMOUNT RECOVERY SYSTEMS for {$420.00}. This collection is not mine and is from identity theft, the collection agency has been contacted and can't provide proof that this account is legally mine.
The aforementioned credit collections agency National Credit Systems INC. representing XXXX XXXX apartments has violated the FCRA by not providing documents to me in regards to this debt. ( account number is XXXX in the amount of XXXX ) I am unaware of this debt, I have asked for validation of the debt owed as well as validation of contract and to no avail has the company provided me the necessary information requested in the allotted time. My first initial request for this information was XX/XX/XXXX never received anything pertaining to this debt. this account remained unverified and then on XX/XX/XXXXthe debt was removed from my account. However, upon checking my credit report XX/XX/XXXX I saw that said collection agency had placed collection account back on my credit report without proper notification of doing so I was completely unaware. By law they were to notify me within 5days which they did not! 15 U.S code 1681i-FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from consumers file pursuant to subparagraph ( A ) is reinserted in file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after reinsertion or, if authorized by consumer for that purpose, by any other means available to agency.
Again, I reached out to said agency requesting information again and advising them that they were in violation of FCRA on XX/XX/XXXXXX/XX/XXXX the agency then removed the debt from my credit reports, but again without proper notice the account was then reinserted. I filed a complaint with the BBB onXX/XX/XXXX because of this violation ( case # XXXX ) and the company responded back that the account was not able to be located however said account is reflecting on all three credit reports. This account is unverified and immediately needs to be deleted from all credit filesXXXX, XXXX and XXXX.
The business is require to disclose to me all of the documents that they recorded and retained in their files that pertains to this " Debt '' and they failed to do so in the allotted time, National credit System has violated FCRA in more than one way and needs to retract this from my credit file immediately!! Thank you.
I was unaware the card I get in mail was ever used, I did set it up when I received it, but did use it 3 times that day and that day only, maybe used {$100.00} all others transaction I'm unaware of, in till I Seen my credit report, I even reported that card lost and still see transactions after that
I made a purchase for plane tickets in   XX/XX/XXXX    . The trip needed to be changed due to terrorist activity, which is a covered reason under the terms and conditions of my credit card.  Barclaycard  referred me to  XX/XX/XXXX . When speaking to    XX/XX/XXXX they told me that prior to   XX/XX/XXXX     they did not handle claims against this card, so they referred me to  XXXX  : A  XXXX   XXXX . I submitted all necessary documents to  XXXX  who then denied the claim based on the reason that "  Terrorist Action  is not covered ''. I called them and sent them screenshots from the  Barclay Card  website showing them that indeed  Terrorist Action  is listed as a covered reason. The case was reopened, and after weeks of back and forth communication,  XXXX  sent me back to Barclaycard as they said i needed to put the claim through them. When speaking to  XXXX  again, i was told that another company needed to be involved but they couldint not get me in touch with them, I had to go back to  XXXX . I have not contacted  XXXX  again but will be and will also be closing my account with  XXXX . The runaround i am receiving is terrible business and deserves to be escalated to all levels.  <P/> I have all of the necessary documentation detailing the above, including written correspondence with  XXXX , screenshots from the  XXXX  website, all necessary receipts etc. I can provide if necessary.
I purchase the three items from XXXX XXXX in XX/XX/2017. When the items came to my house and was not please with the items. So I packed them up and paid for the shipping for the 3rd item Total {$16.00}. Next they send me a bill for {$39.00} I called the company and ask them what the charge was for, knowing that she received the items. She said the charge was for restocking fees. 
I said to the lady that's crazy I won't pay for an item that I don't have. 

A year later I get the attached letter from the Collection Agency saying I owe them {$82.00} This is on my credit report and should be removed. 


Sincerely, XXXX XXXX
Hunter Warfield reported a debt on XXXX/XXXX/XXXX and reported the same debt again on XXXX/XXXX/XXXX to extend the statute of limitations, this is not a new debt.
Progressive Management  is trying to collect a medical debt not owed. I contacted the orignal creditor :  XXXX   XXXX   XXXX   XXXX   XXXX  about the debt. I spoke to  XXXX  at the  XXXX   XXXX  billing department on  X/XX/2017    at  XXXX    XXXX    pacific  time. She informed me that I have no outstanding balances and they never sent anything to collections. She verified my insurance and showed no issues from around the dat e of Progressive 's  reporting. I then called Progressive on   XXXX   at  XXXX   XXXX   pacific time a nd got a woman named  XXXX  who only gave me her name after I told her what the original creditor said so her real name could be something else, because I told her I would dispute because of the invalidation and she got an attitude. The original amount they are reporting is similar to another hospital in which I have never been to which is  XXXX   XXXX . I let the agent know as well as the credit bureaus know I have never been to  XXXX   XXXX  and yet no one is validating the fraud being put on my credit report. They are stating I owe over {$2000.00}. They continuously change the amounts based on whatever they decide. They are reporting  XXXX  account that the original creditor stated was never sent to them and  XXXX  that does not belong to me due to fraud and identity theft.
( 1 ) I have filed XXXX PREVIOUS complaints against GREENTREE Servicing : XXXX were in XXXX XXXX & XXXX were in XXXX for their harassing collections, lies and fraudulent practices ( 2 ) To this day they continue to fail to honor every agreement - both oral & written ( 3 ) I first began the XXXX Deed-in-Lieu program in XXXX XXXX - but had to restart it XXXX TIMES because they kept losing the paperwork, accused me of " withdrawing '' & then REFUSED to return my calls ( 4 ) At XXXX time I had XXXX different Greentree Departments/Reps calling me telling me different things - including COLLECTIONS!! ( 5 ) Finally, after PROVING with my RECORDS & TRACKING NUMBERS that THEY were the ones in the WRONG I completed MY end of the paperwork on XXXX XXXX, XXXX - I had to go thru the appraisals, lease agreement & meeting with the property management company XXXX TIMES ( 6 ) THEN I was contacted by a XXXX. & told I needed to vacate the property by XXXX XXXX ( 7 ) Greentree had told me from the beginning & ALL of the paperwork states that the 90 day lease period I was entitled to per the program rules, would NOT BEGIN UNTIL GREENTREE SIGNED THE PAPERWORK & FILED IT WITH XXXX XXXX CLERK to TRANSFER THE DEED ( after all, how can one 'lease ' property that is still legally hers? ) ( 8 ) ALSO : both ORALLY & in the WRITTEN AGREEMENT Greentree stated I would receive the {$3000.00} ReLocation Assistance AT THE TIME I VACATED PROPERTY ( 9 ) I have been out of the property since the deadline THEY GAVE ME, however, I just found out they did NOT sign and/or file the deed transfer with the XXXX clerk until XXXX XXXX! and I STILL HAVE NOT RECEIVED THE {$3000.00}!!!!!!!!!!!!!!!! ( 10 ) I have had to put all of my things in storage, I am displaced because I do not have that relocation assistance AND NOW I will have to move it TWICE. ( 11 ) I have done EVERYTHING they ever told me to do! I have answered EVERY PHONE CALL! I have followed up with them when I did n't hear from them in the allotted time frame! For example, in XXXX, when everything was supposed to be finalizing & I was trying to stay on top of it because of the previous XXXX TIMES, I tried calling both my Greentree Rep " XXXX '' and her supervisor (? - have it in my notes which are in storage ) TWENTY-ONE TIMES in less than two weeks - they NEVER CALLED ME BACK. EVER. To this day. ( 12 ) Essentially, the bottom line is : I was forced to leave my property XXXX MONTHS EARLY and I STILL HAVE NOT RECEIVED the relocation funds - which is already eaten up - I have NO RELOCATION FUNDS. ( 13 ) This company is a DISGRACE. It is horrible & demeaning. They are PROVEN LIARS and FRAUDS.