WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing a complaint against American Mortgage and Equity Consultants, Inc of XXXX, MN for wrongfully influencing an appraiser 's opinion on a loan transaction. Page XXXX of the appraisal report, " addendum '', confirms the influence of the lender reads " ... so appraiser has opted to alter value per lender request. The newly reconciled value is {$200000.00} '' The appraisal report was completed on XXXX/XXXX/15 and then amended on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. The appraiser 's professional opinion was the home was valued at {$210000.00} with the support of XXXX comparables. The lender then required additional comparables to be added. The appraiser complied with their request and added an additional comparable ( comp XXXX ) to also support the value of {$210000.00}. This additional comparable adjusted to a value of {$220000.00} which is above the value that was originally justified. The lender again reached out to the appraiser and required them to reconcile value of the home within comp XXXX,XXXX or XXXX. The appraiser was unclear on this request, as am I as they are the least similar to the property and it 's the appraiser 's professional opinion to determine which comparable are deemed appropriate. As a result of the continuing pressure from the lender the appraiser then adjusted the value down to {$200000.00}, again " alter value per lender request ''. The appraiser did not provide any indication on where the value of $ XXXX could be calculated used the adjusted valued of the XXXX comparables within the report and did not provide any indication as to how the comps used could be weighed to reach this figure. The first page of the appraisal report confirms that Regulation Z will be met which is " no indication of bias, attempts to influence or intimidation, pertaining to any portion of the appraisal reporting process was transmitted from the lender to the appraiser through Guideline AMC ''. American Mortgage Equity and Consultants, Inc ( AMEC ) have clearly violated Regulation Z and influenced this appraiser to reduce the value of this home.
hi I filed b.K IN 2010 I applied for a capital one credit card at a high rate interest rate however I knew this this was to get me back on my feet I have a credit score now of XXXX I have tried several times to talk to them they tell me to reapply for other cards with them I do they turn me down I call them to see if they can lower my interest they turn me down now I got a new statement they raised it now to XXXX per I need your help they are using my B.K and are robbing me
My husband wanted to add me to his account just as a Authrorize user then I received the denile letter so since it wad XXXX I responded and I was transferred to 8 represanative and none of them will tell me what was the problem they all kept asking me name address etc and transfer me to the next represantiven so finally the last rep asked me if I ever had any American Express card under my name and I said no I was always a card user not card holder then he said some one used my info and opened account so he said not to worry u wo n't be responsible for the chargers and they will clean up the 3'credit buera and I will receive a letter So yesterday I received a letter that they went in to my history and dig up my chapter XXXX bankruptcy whick they had no business dig that out I was discharged and cleared of everything by a bankruptcy court I am very disgusted and angry About American Express fishy and suspicious conduct The fact that they played me stupid and pkay this fruad game on me is pepostress and unexceptable My husband was just wanted to XXXX me to his card as a user I need cfpb to pay a close attention to this XXXX conduct of American Express And contact me asap
16th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
Chase bank restructured transactions in my checking account so that they could extract XXXX overdraft fees instead of XXXX on XXXX XXXX, 2016. In fact, the first XXXX debits arrived early in the day, and the last, much larger debit was a late debit. There were sufficient funds to pay the first XXXX debits, and so only XXXX fee should have been charged.
This is complaint about MoneyGram. On XX/XX/2018 I did online international transfer in amount of {$5600.00}. After I did transaction I received a call from MoneyGram to verify transaction and after verification Ive been told that transaction is approved and I will receive confirmation email in couple minutes with reference number. I waited for 3 hours and didnt get confirmation email. I checked online and MoneyGram had stated error on transaction without explanation of error. And I didnt receive cancellation email. I called customer service and Ive been told that transaction exceeded limit and the transaction had been cancelled due to internal and external errors. But the next day MoneyGram withdrew the transaction amount from my bank account. So I called MoneyGram and they told me that my money will be refunded in 12 business days. Now I really dont have enough money on my bank account to run my business efficiently because of MoneyGram. I dont have enough money to complete this transfer by other options and it hurts my reputation from my business partners and I am suffering business losses. Who will cover m business losses? MoneyGram does unprofessional business with customers. This whole experience with MoneyGram is very bad. My advice to everyone do not do any business with MoneyGram at all. Thank you.
I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this XXXX credit card, original account # XXXX since 2008. Almost 10 years later. XXXX still want to keep charging the same amount by Cavalry  is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. XXXX Cycle of Debt : XXXX used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. XXXX use Cavalry debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, XXXX would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that XXXX created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). XXXX has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). XXXX want to transfer that to debt collector company Cavalry the amount of {$10000.00}. XXXX balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to XXXX around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
On XX/XX/XXXX. I contacted Transunion Credit Company about an on going issue with an Collection on my Credit report that is 7 Years Old reported by XXXX XXXX XXXX XXXX. In the Amount of {$490.00} Dollars. I tried to call XXXX XXXX for Validity of the Collection account and to obtain more knowledge and Resolve the Issue but they keep giving me the run around. I called the Original Creditor XXXX XXXX gave them the account number and the Last Reporting Date of the Account which was in XXXX again 7 years ago. XXXX XXXX Stated they had no knowledge of the account. Again I reached out to Transunion for Help they keep telling me to Dispute the Account. Every time I dispute the Account it comes back Verified. I asked the Transunion Rep. How can an Account come back Verified that does not belong to me. Especially an Account that is 7 years Old. I also asked the Transunion Rep, What did XXXX XXXX Send to prove verification or did they have an contractual agreement with signatures so we can compare signatures and come to resolution together. Transunion is giving me the run around as well and will not properly investigate the matter. I contacted the local authorities in my town. They Sent a XXXX County Deputy to my home. He viewed the information on my credit report. Filled the proper police report on my behalf and issued me an Police Report Number. 
I am a Tax Paying, Law Abiding hard working citizen of the U.S I can't believe that TRANSUNION will Prey on Consumers like myself. I made an report with the FTC and the XXXX.
We were refinancing a Loan with Reliance First Capital , LLC XXXX, New York, XXXX. It has been 1 year and 6 months to try to refinance!!!! 
They are incompetent, they cover up mistakes their employees make on mis-information on the forms you fill out just to extend the length of the processing.. They double talk you and repeatedly ask for information that you send to them over and over again just to drag their feet on the loan process. We paid them {$650.00} in fees for appraisals only to be denied the loan. 
How long does it take to get a home refinanced? Please, BEWARE OF RELIANCE FINANCIAL. I would not wish this experience that we went through to my worse enemy.
Had a credit card issue was sued by Daniels Norelli Scully Cecere, XXXX. XXXX XXXX XXXX, NY XXXX, I have since paid this off in XXXX 2015, they refuse to file a satisfaction of judgment with the XXXX County Clerk, after many requests, calls etc to do so.
My husband and I purchased a gym membership with XXXX XXXX in XX/XX/XXXX. The gym went out of business on or around XX/XX/XXXX without any notice. The gym reopened under a completely different name ( XXXX ) and ownership. XXXX XXXX charges a monthly membership of {$20.00} per member per month.. I requested to dispute the charge for the remaining gym membership worth {$520.00} and XXXX training sessions worth {$180.00}. I received a call from Wells Fargo dispute department last week advising my dispute was denied by VISA because the gym services are available at the same location and because XXXX XXXX reopened the location and agreed to honor my previous gym membership. As a consumer I do n't think I should be forced to belong to a gym that I did not sign up with.
I was approached by Wells Fargo to take out a Credit Card and I was approved for {$5000.00} but only wanted about {$1000.00}, they told me not to worry that in 90-180 days they would have debt repayment or consolidation low interest special, so I accepted the higher credit limit. When I saw an advertisement about the low interest loan program in about 90 days later, I applied and my credit could not have changed that much, but was turned down. So, now I have been forced to pay off a high interest credit card, where I transferred debt expenses to and was given false, misleading, and deceptive information about. This is wrong and not right.
Equitable Mortgage is advertising for a realtor listing on XXXX. they are offering financing for the listing with No APR and I also question if this is a respa value with expecting a loan in return for opening up my data base for marketing mortgages to them. No cost to the agent ( clearly a thing of value ) in addition no monitoring of APR in advertising rates to customer for that home with a discounted fee! this does not seem to be uniform and if this is OK I would like your approval so I can indicate to other lenders this is an acceptable way to solicit mortgage via Agents? 
thank you I have copies of the XXXX postings.
I sent Loan Officer XXXX XXXX from XXXX XXXX  XXXX with NMLS # XXXX a buyer to get approved for a loan. 
XXXX XXXX was keeping me informed at the beginning with updates & after a while I could n't reach him and after researching XXXX XXXX closed my clients and also stole my real estate commission which XXXX never said he was a Realtor as well. That 's unethical. 

I have the emails as proof. Now XXXX XXXX or his president XXXX XXXX wo n't accept my calls or respond to my emails.
False report of an illegal foreclosure as valid. They were notified of this in XXXX of XXXX. The foreclosure was illegal due to falsifying of documents and failure to adhere to law. On XXXX XXXX XXXX XXXX XXXX XXXX before the XXXX XXXX XXXX XXXX XXXX North Carolina of the violation of US Constitution Article 1 Section 8 by regulation amounts of money by entities that are not Congress. Elements within XXXX XXXX proceeded to disregard and proceed forward with further human rights violations. Furthermore, this all constitutes a violation of US Code 18 section 242, as well as many other international, federal, and state laws. 
The credit agencies have blocked online access and are not responding to letter mail either. The other agencies are also ignoring this matter. I am currently being automatically denied a place to live based on this illegal foreclosure and eviction. 
Do n't believe me, the email from XXXX XXXX XXXX explicitly does not authorize any of the other actions taken. 
Do n't believe me, get the recording of XXXX XXXX from the XXXX XXXX XXXX farce of an appeal trial where he admitted the matter had to be heard in federal court. 
Do n't believe me, look at NCGS 122C and see the requirements were not met. 
Do n't believe me, look at all the documents together. Ignoring this is not going to make it go away.
I setup XXXX internet for my apartment XX/XX/XXXX and XXXX XXXX pulled two hard pull credit reports on me, ( XX/XX/XXXX and XX/XX/XXXX ). 

I submitted to Equifax online for them to fix it. They never did do anything. I called them several times, they said it is XXXX XXXX problem. I called XXXX several times, and they also said it is Equifax 's problem. However, I somehow got hold of one lady at XXXX, XXXX XXXX, her number, XXXX ext XXXX. She said she submitted to Equifax to remove the report. It had been over two months, and Equifax still does not want to do anything.
On Friday XXXX XXXX Credit Acceptace Corp called and left XXXX messages and then called again and talked to me live. Payment came due on XXXX XXXX and is not even late fee until XXXX XXXX.
I 'm getting calls at work about this matter that I think is XXXX years old. I can not perfom my job properly after these calls, they are XXXX me out.
JP Morgan Chase entered into a Cash-for-keys agreement with me and I feel has now defaulted on our agreement and refuses to forward funds to me that were promised in our agreement. I feel that their representative misrepresented the facts of the case and I need a successful resolution to this problem.
XXXX XXXX continues to report inaccurate information on my credit report. I have attached documents showing that they stated that they have verified an inaccurate reporting of bankruptcy. I have requested their method of verification according to Fair Credit Reporting Act 611 ( a ) ( 6 ) and ( 7 ) from the original furnisher and XXXX XXXX   responded in writing that they contacted US Bankruptcy court in XXXX MS . This is invalid and inaccurate information and I have attached the letter from the US bankruptcy court as evidence that they do not supply any information to any of the credit bureaus. XXXX XXXX has refused to supply me with the name, address, telephone number of anyone from the US bankruptcy court in XXXX MS that they contacted.
In 2009, i went to school for XXXX XXXX  and finished school. The problem is that the financial side of the institute gave out loans that were compiled daily in the Federal side of Government. I signed a loan for {$20000.00} with a co-signer and the interest daily was 3 % & now 9 %. 
The woman I spoke to told me that my payments were to be {$350.00} a month and & I made those payments for 2 years & the loan with the interest would go down, but only kept climbing instead of decreasing. My loan now is over 70,000 approximately. It has now gone to collections with a company Navient has chosen. I have no Idea how to climb out of this one. I only make {$12.00} an hour and am trying to live at the same time. This is a loan that Navient should have never had in their company. It has only done harm then good.
On XXXX/XXXX/16 I noticed a significant amount of money missing from my daughter 's and I checking account ( she is primary ). I then pulled up my bank info and seen that there was a debit for {$1200.00} on XXXX/XXXX/16 w/ XXXX others legal fees of {$120.00} and {$150.00}. I went to the bank to get any info I could and all they could provide me was a phone #. I called and was prompted to contact my employer directly ( garnishee ) My employer received no notification of such action being taken, nor had I. I finally googled the phone # to find a website of a law firm/debt collector. I filed a complaint on that website stating that I received absolutely no notification of this action and wanted the my daughter 's funds returned to the account and that I can only communicate by email until XXXX due to my work hours and would be able to take calls after XXXX. I noticed about 10 minutes after XXXX I missed that phone call at XXXX XXXX ( I was n't even logged out of my work computer ) This morning I sent another message to them to wait at least 8 min after XXXX so I am clear to answer my phone. 
I still do not know what this debt is for or if it is even legitimate. 
The law firm whom debited funds belonging to my daughter is Guglielmo and Associates in XXXX, AZ XXXX. 
I appreciate any assistance I can get. Thank you, XXXX
I spoke with a customer care specialist at XXXX XXXX Bank within the last XXXX hours regarding the treatment that I was experiencing with Upstart regarding a loan application. 
As I review the horrendous experience that I had this week with an unusually taxing application verification process, it began to dawn on me that my problems with this lending company started after they requested a copy of my drivers licence. 
The verification process became quite arduous subsequently and on multiple occasions I have been misled by Upstart employees with suggestions that loan was approved for much higher amount and with better terms than terms being offered now. 
I was also told on several occasions that my loan would be finalized by Friday, XXXX XXXX, including on Friday by employee named XXXX. However, instead of having loan finalized with the more favorable rate that XXXX congratulated me with just hours earlier in the day, I, as instructed by XXXX, checked email later in evening, and saw nothing finalized. 
Remaining very frustrated by my haunting experience with Upstart this entire week, I called once again to check with XXXX what additional delay might have ensued. 
While I was on hold, I saw an adjustment again on my loan offer, this time cutting the principal in half and raising the rate back up to the highest APR. 
This was just another of many efforts Upstart has made in trying to discourage me from borrowing from them. I sent them ample documents and followed up diligently on all of their request of me, yet they have continued to mislead me and cyber bully me by requiring me to send more and more documents, including documents already sent. They had me send pay stubs 3 times, and XXXX forms multiple times. 
They requested that I send rental lease agreements and tax information regarding rental property that I own, and then later told me that they could not use the rental income in their calculations because they do n't fund commercial loans??? 
Despite that, they later made another request for my rental property lease agreements, that I had previously sent. 
I have been put through the ringer with Upstart. The explanation given for reducing loan amount from {$31000.00} to {$28000.00} was reported to me because they could not consider my rental income. 
I was offered the {$28000.00} with lower APR this afternoon by XXXX, and he actually congratulated me and said only problem was that with this being Friday, he would not be able to send funds to my bank until next Tuesday. I accepted those terms, yet within three hours, I was once again misled and all terms changed, and principal cut in half with highest APR offered, 29.9 %. I was then asked multiple times by managers at Upstart if I still wanted the loan. It was very obvious to me that tactics were being used to discourage me from getting any loan at all. 
I am highly qualified for a loan from Upstart, and can only conclude from this cyber bullying that I have had to experience from multiple Upstart employees that knowledge of my race, upon review of my drivers licence that they requested, resulted in a plot to discourage me from borrowing.
I received a bill from a debt collector for a friends medical bill. They actual charged me for my roommates lack of payment. I argued and also had them send me their medical records, which I was able to sign the release form. It shows that the bill was not in my name, the bill was owed by someone else, but they still have this on my credit report. This has also dropped my credit score from XXXX to the XXXX causing an issue with obtaining a home mortgage.
Bank of America refuses to remove me from XXXX for something that was clearly a mistake. They are very difficult to deal with and I am not getting anywhere. I am about to hire an attorney to get this resolved. I will be suing for defamation of character and will find something legally that they are doing wrong so I can also open a class action lawsuit against this company. This the most uncooperative bank I have ever dealt with. It 's in the banks interest to remove me from XXXX because I will take this as far as I can. I will contact the media, attorney and anyone who will listen.