WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/2018, my account was compromised by a hacker from Brazil. He presented charges to Suntrust against my checking account for {$100.00}, which was denied. The hacker then presented for charges to Suntrust for {$200.00} and this was also denied. The hacker tried again and presented for charges to Suntrust for {$400.00} and {$2.00} and Suntrust paid the hacker these XXXX charges. I suspect that Suntrust paid the last XXXX charges totaling {$400.00} to overdraft my account so that Suntrust could profit from the overdraft fees. I must mention that all of the charges were done in succession ; XXXX after another. Now my checking account is in the negative and charges for bills that normally come from that account are creating additional overdraft fees, charges, and withdrawals from my savings account. This is the second time that Suntrust has been negligent with my funds and information. I did receive a telephone call from the Suntrust Fraud Division AFTER it paid the XXXX fraudulent charges.
We submitted a loan application # XXXX in XX/XX/XXXX with TBI Mortgage Company XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Mortgage Loan Officer XXXX # XXXX and received a pre-approval with the contingency of selling our current residence and selling one of our vehicles prior to closing. The home we are purchasing is a new home construction and was scheduled to be completed in XX/XX/XXXX. We received documentation with the specifics of the loan a few days after the initial pre-approval of up to {$850000.00}. During the process of adding upgrades and specifications, XXXX XXXX our Sales Associate for Toll Brothers would send over emails to TBI Mortgage requesting approval for any add-on's/upgrades. We sent emails and information to TBI Mortgage up until XX/XX/XXXX providing them with everything they asked for which was followed by an email from XXXX XXXX saying we were good to go. Our total with all upgrades included, ended up being {$830000.00} and we provided the builder with a deposit of {$62000.00}. On XX/XX/XXXX we received an email from XXXX XXXX requesting updated paycheck stubs, so we sent them over and heard nothing back. On XX/XX/XXXX we had received our closing date information from Toll Brothers. We had then received a letter from TBI on XX/XX/XXXX stating our loan was declined. We never received any caution signs or concerns about our approval from our loan officer up to that point. We were then referred by TBI to XXXX and were told that they had a product available with an approval already confirmed. Thinking everything was going according to schedule and that we had a new approval, we went to closing and sold our home on XX/XX/XXXX. In the time between closing on our previous home and the new home being built, we moved into a hotel with our XXXX children and XXXX dogs on XX/XX/XXXX. We have now been living in a hotel for over two months which has resulted in XXXX and XXXX and our dogs have lost a lot of weight due to being stuck in a cage in the hotel for at least 8 hours a day which has us very concerned. TBI has still not responded to our request for specifications or explanations and we are extremely upset that after following through on our end in regards to the home sale contingency placed by TBI, we are now left without a home and no approval. We are still living in a hotel and working diligently with other lenders to purchase the home that TBI had already approved to have built. We strongly feel that we deserved a solution from TBI instead of a hand-off to another lender for this situation. We were living in a beautiful home that we ended up selling and even took a lower bid to accommodate the contingency. XXXX has since scheduled 2 closings and dropped the ball each time as well. We are extremely discouraged and upset that after having all of our paperwork including tax documents, XXXX, and pay stubs for 8 months, they were still unable to determine our approval and instead, waited until the last minute to provide us with a decline letter after we had already sold our home.
This is a debt that was purchased and then resold to XXXX companies that harassed me and later sued me and are now garnishing me for a debt in which I had a credit protection on my account in case I had stopped working. This debt is so old but being that it has been resold it it still alive. I tried to fight it stating I was not served the documents in questions ; however, the case was mute and my wages are garnished because of this.
Currently, I have a VISA credit card with XXXX based here in PA. Today, I called to check on my APR. I was shocked, saddened and angered to realize that my APR went from 12.99 % up to over XXXX percent. After speaking to a senior customer service rep, I was troubled by this unfortunate experience. In a nutshell, I called back in XX/XX/2015 to seek a lower APR. The issuer ( XXXX ) put me on a six month promotional rate due to my good credit rating and long standing history with Fulton Bank. Today, I found out that my rate shot up to 18 percent as the promotional rate changed. Here is my issue -- the issuer never provided me notice of the promotional term changing. As a result, I had no real-time info other than looking at my statement to realize something changed on the APR. This is absolutely unacceptable and totally over the edge for credit card companies to get away with. I would like a full investigation launched into this practice. Additionally, I would like to see regulations adopted that require credit card companies to provide 30-60-90 notices on these promotional rate changes. I can only imagine how many consumers are being impacted by this practice. My conversation today was alarming as the service rep basically said it 's your responsibility to read your bill -- end of story. I agree with that but why NOT require a back-end notification on the promotional rate changes.
CitiFinancial is the junior lien holder on my loan. I have a good offer for $ XXXX with the senior lien holder ( XXXX XXXX ) netting $ XXXX and they have offered the Junior Lien Holder {$6000.00}. The Junior Lien holder is being unreasonable and trying to push me into foreclosure by wanting $ XXXX. 
They told me that their appraisal came in at $ XXXX, and then I sent them a copy of the appraisal from the Senior lien holder which came in at $ XXXX. This lender has lied to me time and again, I am desperate to get this done and over with. My wife passed recently and I do not have the money to maintain the mortgage. Please assist me in anyway that you can.
I called to get a quote from Quicken Loans and they insisted they take my social security # to give me a quote based on my credit score. It would be a soft check like a car insurance company would do. It was a XXXX minute phone call. The guy calls me back and gives me a quote for XXXX for a 15 year loan or a 20 year loan for XXXX for {$250.00} XXXX refinance. I told him I was not interested as it is not beating what I had. Within a couple of days I have an estimate in the mail with a 30 year rate for XXXX APR which I never inquired about. I also got calls from the company asking me how my loan was doing. They started an application process even though I never asked for XXXX. I feel like there is fraud and misrepresentation going on with that company and I am outraged. They not only started an application without my knowledge or permission, but they sent a quote for a term I never inquired about or was interested in. It shows me the quote on the phone was a lie as well.
I had Applied for a Loan with Countrywide Mortgage now Bank of America XXXX/XXXX/2005 ( Exhibit ( B ) which I later Withdrew ( Exhibit ( F ) Countrywide/Bank of America Still moved forward with An alleged Loan ( # XXXX : ( Exhibit G ) using unsigned and False Documents ( Exhibit C, D, E ) : provided to Me upon showing my Government issued Drivers License to prove my Identity to XXXX XXXX Bank of America Representative XXXX office ,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX, Phone # XXXX. 
I asked for an Investigation from Bank of America but they Refused until I Sign an Affidavit Relinquishing my Rights, which I see as extortion and giving up my Legal rights to Damages caused by Bank of America and its subsidiaries. Why would They need me to Sign anything when the information was provided to me From their own computers and Files? 
I just proved the Theft to them and they admitted to the Theft of my Personal information in A Letter provided to me By Countrywide ( Exhibit ( A ). 
Because of This Loan I have now been wrongfully Foreclosed on, and Forcefully Evicted from my Home.I did not Know the extent of the Damages caused by this Breach until recently upon my own Investigations and Research using FOIA and public records request via Government Agencies, The courts and Legal system have Failed to Give Me a Remedy in order to cover up the Corruption I have uncovered by Banks and Lending institutions using Government Sponsored Entities ( XXXX ) to Shield and obstruct the PUBLIC from getting Remedies and information.
called to get pre-approved for a credit card for the capital one XXXX XXXX Rewards card ... and the customer service told me to apply for the secured credit card and after the first billing cycle go ahead and product change the card and if my credit is good they will do it without another hard pull ... not they are telling me i have to wait a year with the secured card before changing ... .. i called the eo and after a ''review '' they can do anything ... so im XXXX with a card with no perks at all ....
I was given an Uber gift card. 
When I tried to use it, it had a balance of {$5.00} less, which implies to me there was a {$5.00} surprise activation fee. ( It also gave an error, which is not the basis of this complaint. I wrote them about the error. ) The Uber terms and conditions do not include a {$5.00} activation fee. 

I have provided information on the only {$5.00} fee I could find, a ride cancellation fee, to show it does not apply.
AmeriCollect {$96.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX ) ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow ... You can not collect a debt twice ; it is unlawful Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; SYNCBBP XXXX XXXX XXXX XXXX XXXX MCYDSNB XXXX SYNCB/AMAZ XXXX SYNCB/LOWE XXXX SYNCB/STSH XXXX SYNCBBP XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
My former employer amended & restated my tax returns & made themselves my conservator. In order to get the golden parachute tax break in XXXX my home was sold without my knowledge. XXXX XXXX XXXX XXXX have been stealing my mail. I never received any of my XXXX-mortgage interest statements. In order to properly file my tax returns. I truly need that information. May I please get those statements mailed to me from XXXX-XXXX. These transactions was made while I was under wage earner. The case number was XXXX. I was discharged from this case in XXXX. I need XXXX XXXX to send me an identity theft packet please.
First I was offered a XXXX. In credit to spend in store.Then was told I had to pay XXXX insurance to cover their loan. But was n't told.Noticed later on contact. Was charged 21 % interest over 3 years.on the cost of the money charged XXXX for the washer & dryer. I wanted more coveraged than just factory defects. So they charged me {$300.00} for extended service agreement. Never got copy of agreement of what it covers yet.I was told at that time that all the other fee 's tax did n't count toward my {$2000.00} that I still had {$1000.00}. To spend I told them I be back to spend later for XXXX. I 'm writing this in XXXX parts this is part XXXX cause I may run out on number of words ... I 'll try to get it all in..So I went back twice.once got art $ XXXX.then much later got XXXX T.V. 's. But they would n't let me spend what they said. I picked out lowest costing TV. They when we were done she did n't giuve me the contact like other sales person did. I was ready to buy the TV 's remember I was charged 21 % on washer & dryer. Now just at the end she says your getting charged 29 %. Keep in mind I 've already paid two payments on my washer & dryer in the same store. She does n't give me copy of contact says she 'll email it to me. So I was tired frustrated wanted to get my TV & get out. I looked at email later they charged me 32 % interest on the total amount not just TV 's. Plus I went to check my account over the phone they had Not applied my payments even yet. It had been two months sence I purchased the Washers and dryer. I had made in store payments they were not subtracted from my account yet. I have written twice about these issues but I 've been ignored! Plus she charged me another {$300.00} in insurance. Now keep in mind they charged me {$150.00} insurance on the washer & dryer. The {$300.00} on the TV, 's is not required. They charged me {$1400.00} for XXXX worth in TV. 's. that 's more than the items I purchased. You know this is not right! They charged that much for the washer and dryer. With the extend ed warranty! Their insurance only covers their loan not my items. Just pays off the loan if it stolen. I havnt got copy of any of the warranty 's yet. I am sending another letter with my next payment. Tell them that I will be writing to some others to help me in these issues.I will write to CCC consumer credit commission and BBB. But maybe your agencies will be enough. Your the first XXXX I 'm writing. They advertising {$20.00} a month payments or less on the washer and dryers but its nothing like that when you get to spend. My payment went to {$65.00} to {$100.00} a month which is unreasonable when they advertising much lower. I was told that they try to apply through XXXX which is XXXX but they said no. But when I ask the bank they said that they did not even try. Believe me I was happy to get the washer & dryer. Okay do you think I 've been treated fair I do n't. Think they need to refund the {$300.00} extra they charged on the television 's. And drop the interest back to at least 21 % ... .give me copies of all contacts and let me see payments that have been applied. Be able to see my balance go down.
My father had a reverse mortgage with Wells Fargo Bank N.A . My attempts to call went a specialist assigned to my account usually went unreturned. I managed to get a payoff quote by faxing a request along with the required documentation. I received a payoff quote directly from Wells Fargo with specific instructions and a deadline. I followed those instructions and wired the funds on the payoff quote to the account given. I filled out the transmittal form and faxed it immediately after the funds were wired. I had received a similar payoff quote from a law firm stating that it represented Wells Fargo. It had the same amount but added an attorney fee. When I called Wells Fargo customer service to inquire why I got the attorney letter since I still had almost 3 weeks until the deadline, the service representative told me to disregard it and that call was recorded as every conversation is. She told me to follow the instructions on the quote from Wells Fargo. Wells Fargo had the funds two days prior to the deadline but returned them to my account on the afternoon of the deadline. When I called, I was told that they could not help me since it had been turned over to the attorney. I told them I was following instructions their instructions but they were not willing to help. In other words, they had the money per their own instructions by the deadline. I had even called both customer service and the specialist assigned to me to let them know I was wiring funds the next day. I called both and let them know after the funds were wired. Customer service told me notes would be made in the account, my specialist did not return either call. Now, it is after the deadline, they will not accept the payoff. I was informed that I must go through the attorneys and now on top of the extra {$400.00} added to the payoff, I 'm sure there will be even more late fees even though Wells Fargo had the money before the deadline in the amount on their payoff quote.
I received an offer to open an credit card with USBank, which they did not honor. The offer stated that if I spend {$1000.00} within XXXX months, I 'll receive a {$200.00} statement credit. I received {$100.00} after spending {$500.00}, but did not receive the full {$200.00} after spending {$1000.00} within XXXX months, which is sooner than the offer required. I called them and was eventually told I needed to fax the original offer letter to them to prove that I was supposed to get {$200.00} after spending {$1000.00}. After faxing it, they still refused to give me the remaining {$100.00}. They stated that they placed me in a separate promotional offer with a lower APR, which offered only {$100.00} after spending {$500.00}. USBank said I would need to reapply for the credit card in order to get the offer I originally applied for. I can not do that due to the negative affect it may have on my credit score. Plus, I do not know if I 'll be placed in the same program again. I am looking to purchase my first home within the next year, and I do not want the additional credit request to negatively affect my score. USBank refused to fix this situation for me even though I faxed to them the original offer letter. I felt like I was fraudulently given an offer in order to bait me, upon which I relied, then changed the offer without informing me until I called about why I was not awarded the {$200.00}. I was then given something cheaper and of lesser quality. The application for this credit card negatively affected my credit score, which I thought would be fine due to the additional {$200.00} that I should have received, but instead I only received {$100.00}. I used the promotional code that was on the original offer letter when applying for the card online and was approved ; I spend the required {$1000.00} within the first XXXX months of opening the credit card ; and I faxed the offer letter to USBank to show what they had originally offered me. Yet they refuse to fix this problem for me. I have the offer letter and all bank statements showing I spent {$1000.00}.
This issue deals with Chase reissuing duplicate cards with chips. My old card ( w/o a chip ) had an expiration date of " A ''. I was issued a duplicate card with the same XXXX digit card number, CVV code and EXP. date as the non-chipped card. At some point after that I received another chipped card from chase with the same XXXX digit card number but a different CVV and Exp ( Exp. " B ''. I do n't recall getting this card as I have always used the card the exp. date of " A ''. On XX/XX/XXXX I attempted to make a purchase on XXXX which was delined. After the card was declined I called XXXX to figure out what was wrong. They said that some of the billing information did not match what the bank had on file. I resubmitted the information and went to dinner. I paid for dinner using the card with the exp. date of " A ''. Once I got back home I noticed that the card was once again declined and XXXX said that I needed to call my bank. I called Chase and they said that the card they had on file did not match the card I had in my possession ( the exp. dates and CVV were different ). I did n't know that I had the card with a later exp. date until after I hung up with the fraud dept at Chase ( I found it in a stack of cards ). They ensured me that there was no security risk because there had been a computer glitch and the card had never been sent out ( I 'm currently holding both cards in my hand ). The card was " scheduled '' to have been sent out in XXXX of 2015 which means from XX/XX/XXXX-XX/XX/XXXX I used an obsolete card. I was never notified over the 6 month period that it was possible that a card was missing or that someone could 've stolen the card out of the mail. I assume that the new card would have worked as well as the old. Meaning XXXX card number had XXXX valid exp. dates and CVV codes. Chase lied saying that the card had never been sent, something weird happened with computer and they are either unwilling to say or are unable to determine what happened.
I had an account with XXXX which terminated in XX/XX/XXXX. The account was changed to my daughter in law when I moved out. I told XXXX to send me a final bill for payment. I did not receive a bill, so in the beginning of XX/XX/XXXX I contacted them again, they said they had no record of the account, and said it must have gone to collections, and would have to wait to hear from them.In XX/XX/XXXX I still had not heard anything from a collection agent or XXXX so I called XXXX again, again I was told to wait. By the beginning of XX/XX/XXXX I checked my credit report and there was a derogatory mark on my credit report for a bill from a collection agency for XXXX, and it was for more than triple the bill. I have contacted both XXXX and Credit collection services to try to correct the matter, and neither will do anything other than demand payment. I already had this removed from my credit report once, and then it reappeared this month. I'm hoping you can help me, it would be nice to be treated fairly. I don't think that's asking to much. 
Thank You. 
Sincerely, XXXX XXXX