WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX We were over 60 days in the loan process with you and fully complied with your every request in an expeditious manner. 
We have proven our income, are secure in our employment, and have money in the bank, our credit scores are over XXXX, we have no credit card debt, our residence appraises more than sufficiently, there has been no change in property size, zoning, type or usage since our previous successful re-fi with B of A which, in fact, qualified for and is currently owned by XXXX. You have already changed our insurance coverage naming B of A as additional insured for the new loan. For you to now tell us that our application for refinance has been declined because of " property type '' which was made known to you and which you marginalized in our initial and subsequent telephone conversations, just does not pass the smell test. I have been counseled to request a comprehensive explanation for their declination from your responsible underwriting staff. What has changed since our previous refinance with B of A? 
There is speculation that B of A is hoarding cash because of the election or that there may be age discrimination. Please provide this along with your official declination statement in writing and in a timely manner. XXXX
On XX/XX/XXXX at XXXX I was contacted via phone by a representative from Diversified Consultants, Inc. During the call I requested written verification of the debt they referenced during the call. I received a letter on XX/XX/XXXX that stated I have 30 days to dispute the validity of the debt. I sent a letter via Diversified Consultants online dispute form on XX/XX/XXXX and stated that I would also be sending the same via regular mail. On XX/XX/XXXX, less than 30 days from the date of the notice, the company reported the invalid and unverified debt to the credit agencies. The company did not follow FCRA guidelines and reported a debt that is not mine to a credit agency which adversely affected my credit and ability to obtain credit.
On  XXXX   XXXX  of    2017  I was double charged {$660.00} for an enterprise purchase in  XXXX . I alerted discover card and they investigated the issue only to investigate it as fraud instead of a double charge. I have now been charged the money twice for over 2 months with no resolution from discover besides " pay my bill ''
MEADE & ASSOC # XXXX has reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was XXXX XXXX XXXX. This is a error and needs to be updated.
This will be my fourth complaint with Wells Fargo. I appreciate your efforts in getting the checking and savings accounts removed that were unauthorized. I reviewed your response about the secured credit card and would like to follow up. First I tried contacting Wells Fargo credit card customer service today, since in your last response you advised me that the secured card is mine and that you denied your claim. So when I called in to ask where the card is they say I activated since I never actually received one. In fact my mail was actually being forwarded and I just recently fixed this with the USPS. So when I asked the agent if she knows where the card is or if I can be sent one since I explained about the identity theft and how I actually never received a card, nor bill, nor even a call for that matter. She demanded I pay the past due balance immediately being as I never even received any bills or card. I asked when I would receive a card since I was told by Wells Fargo that this is my account. The supervisor told me they cant send a card until I pay the past due. Further explaining to her that I never received a card in the first place nor even a bill I asked if she could wave the late fee since I had no idea it was late in the first place. She said they cant waive it, nor can send me a card. So I paid the past due after she kept demanding it. What I am wondering now though, where is the card? You say that I received it and activated it, yet truly I did not? I would like the card, and to be able to pay online if this is actually my account? How can I go about this? Im truly upset that I am trying my very best not to hurt my credit. I didnt even know that a card was sent in the first place. Secondly I do eventually want to bank with Wells Fargo since I havent ever in the past. Going forward when will I be able to do so? When will I receive a card for the secured account you say that is mine? I never received a card to begin with. Wheres the bills going for the account? How do I obtain access to pay online? These are all unanswered questions.
As you know, Equifax credit reporting agency was hacked over a month ago and failed to notify me in a timely manner that my personal information had been stolen. 

I am now advised that I need to freeze my credit report at a fee of {$10.00} per reporting agency or subscribe to a credit monitoring service at $ XXXX year in order to protect my information from being used fraudulently. 

This is racketeering straight up. I am at no fault in this matter, and yet I am being asked to pay for financial protection services to the very same industry that created issue I know need protection from. 

I am unable to access Equifax to discuss the matter either on their web site or by phone. 

If ever there was a need for federal intervention to protect the rights of consumers, this is it.
I have sent multiple disputes to XXXX about excessive unauthorized inquiries on my report which is a clear violation of Fcra regulations and XXXX sent the response that companies do not need my permission to run my credit which is not true the Fcra says if creditors do not have my permission they are unauthorized
Bi Weekly payments of {$180.00}, i notified them via certified mail that I had a change in income and could no longer afford the payments and to stop ACH withdrawl, they did stop the withdrawl, but are now saying the loan is 21 days past due when it is only 5 days past due and are threatening legal action. I also sent them a check and a promise to pay {$20.00} a month until paid in full.
I used my Bank Of America CC last XXXX for paying my tax bill. I did the check that gave me 0 % interest, I proceeded to go on line and setup and automatic bill paying. from there I do not know what went wrong, whether I put the wrong date in or the system did. So the bill is due on the XXXX of each month XXXX XXXX and my scheduled payment goes in on the XXXX. I have never seen a notice come to me either by email or by US mail that I was considered late. They continued to charge me a late fee of {$37.00}. ea month until today XXXX/XXXX/XXXX as I received my email indicating my bill is due the XXXX. So I went in and reviewed it, it looked like my auto pay was on, then I looked at the pdf of the monthly statement : late fee XXXX payment XXXX. So I called the number on my statement explained not sure why this was setup this way and please credit back the late fee 's that have totaled {$330.00}. I escolated it to a manager as the person could not assist, he only credited one month. I asked why is it that I have never been notified I was late on a payment, he pretty much said it was my responsibility to pay on time..I am not happy that Bof A has taken no steps to contact me since LAST year on this, ,I 'm not sure what to do now to get my late fee 's credited back. thank you
Today, Friday XXXX XXXX 2017, Equifax announced that they were the subject of a network intrusion, and details on millions of people was compromised by an unknown third party. I have come to find out that I was among those with details compromised, but have not been told the exact personal details that have been released.
I Have a mortgage with OCWEN Financial Corp and my property taxes is included in the payement. I also pay an extra {$20.00} per month to be safe. Every year I receive a bill that my escrow account for taxes is short and I have to send an additional {$270.00} ( more or less ) to make up the arrears. My mortgage payment also goes up despite have a fixed rate. How can that be. I have contacted them numerous times for the accounting and have gotten no help. Last year I misread the statement because the mortgage changes so much and paid my mortgage the normal amount and did n't catch that it had increased by {$200.00}. I paid on time and they cashed the check. OCWEN still reported me to the credit bureau 30 days late.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Attorney XXXX XXXX has been sending several threatening foreclosure letters before the date granted by her client XXXX XXXX XXXX HOA for the amount of {$780.00} due no later than XX/XX/XXXX. This payment was paid in full sent on XX/XX/XXXX USPS certified returned mail and was available for pickup XX/XX/XXXX. My check # XXXX {$780.00} was endorsed by XXXX XXXX XXXX HOA president XXXX XXXX on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX HOA dues. I explained to XXXX XXXX that I have a statement from XXXX XXXX XXXX HOA with due date XX/XX/XXXX {$780.00}. She stated her letter dated XX/XX/XXXX for {$820.00} due by XX/XX/XXXX superseded XXXX XXXX XXXX HOA letter dated XX/XX/XXXX for {$780.00} due by XX/XX/XXXX. I am not an attorney but it seems against the law for XXXX companies to collect on the same debt and I believe XXXX XXXX is in violation of the FDCPA. I do believe Attorney XXXX XXXX should have waited after XX/XX/XXXX to start her legal proceeding which would have been understandable. However, Attorney XXXX XXXX continued her collection efforts on a difference of {$44.00} without verifying the accuracy of the debt. To make matters worse, on XX/XX/XXXX I received a voicemail from Attorney XXXX XXXX illegally disclosing that XXXX XXXX XXXX received my payment but she is still collecting on the balance of {$120.00} and that needs to be paid to prevent her from putting a lien of foreclosure on my home. To my understanding XXXX minus XXXX equals XXXX not XXXX. I also received XXXX more letters threatening foreclosure letters from Attorney XXXX XXXX demanding {$390.00} by XX/XX/XXXX and {$760.00} by XX/XX/XXXX. At this time, I have sent Attorney XXXX XXXX a certified letter disputing this debt. I feel I am being harassed by Attorney XXXX XXXX on a debt that was paid in full by the timeframe given by XXXX XXXX XXXX XXXX. At this time, I am in need of your assistance to stop the Law Offices of Stage and Associates, P.A. XXXX XXXX from placing a foreclosure lien on my home and to stop her aggressive attempt on collecting on a debt that I feel I do not owe. I have a copy of all documents mention above and my saved voice mail from XXXX XXXX.
My deceased mother had a reverse mortgage on her home and upon her death the contract required the home to be sold. As the her son and the Executor of her estate I listed the property with a XXXX in XX/XX/XXXX and the listing could be seen and verified through the XXXX service and seen on XXXX. Since XX/XX/XXXX there has been a qualified buyer for the property, all documents, procedures and financing has been submitted. The home was approved for a Short Sale by R.M.S ... ..Reverse Mortgage Solutions, the company servicing the reverse mortgage based on the current appraisal amount and current market value of the property. As of XX/XX/XXXX there has been an issue with the way RMS is handling the procedure with the pending sale. They have stopped communicating as they were with the Realtors for both the buyer and seller, the assigned representative that we were in touch with no longer responds to emails or returns calls. I have not been able to speak with anyone directly by phone and when I call the toll free customer service number and ask to speak to someone about the status of the case, the call is transferred to a recording that states the person you are trying to reach is unavailable, leave your name and account number and someone will return your call. This is what is occurring at the same time the buyer has submitted everything required and is ready to complete the purchase of the home. 

The second issue is with the letter I received dated XX/XX/XXXX from a local Attorney 's office stating that R.M.S. has filed a " Notice Of Acceleration and Foreclosure '' on the property and the Foreclosure sale is scheduled for XX/XX/XXXX. It now seems that R.M.S has lead me, the Realtors and buyer on that the sale was in process and a closing date upcoming, when in fact they were in the process of foreclosing on the property and simply stalling by not communicating.
My information was stolen in XX/XX/2016 i contacted capital one as well as my bank and filed a report as well as the police department. I got a final decision from my bank saying the report i filed was correct in my favor capital then closed my account and said it was incorrect which led to me owning them money and it screwing up my credit score i offered to send in the document saying it was in my favor they denied me to submit any documents this
Public Records - Bankruptcy sent letter to LexisNexis XX/XX/XXXX 2017 requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. LexisNexis refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party LexisNexis and they could not delete the item.
On or about XX/XX/18 I received an email from my XXXX XXXX credit card company alerting me of possible fraud on the card that I allow my daughter to use. I called the credit card company to find out what charges they were questioning. I then contacted my daughter to ask if she had that credit card in her possession and she said that she did. Based on my discussion with my daughter and a review of my online credit card statement I found that my daughter made three purchases with the credit card on XX/XX/18 at XXXX XXXX  for {$29.00}, XXXX for {$31.00} and XXXX for {$10.00}. All other charges that appeared on the statement were not made by her. These charges included two purchases on XX/XX/18 -- XXXX XXXX XXXX XXXX for {$150.00} and XXXX XXXX   for {$40.00}. Nine other fraudulent purchases occurred on XX/XX/18 at : XXXX XXXX XXXX for {$130.00}, at XXXX XXXX for {$160.00}, at XXXX for {$36.00}, at XXXX for {$120.00} and {$130.00}, at XXXX  for {$260.00} and {$20.00}, and at XXXX XXXX XXXX for {$100.00} and {$230.00}. 

The Bank ( Barclay Bank ) that issued the card required us to fill out a Statement of Fraud indicating the charges were not made by my daughter, which we promptly submitted. I told representatives at the bank that my daughter was still in possession of the card. Thus, according to bank officials since the credit card is still in my daughter 's possession and the purchases were chip transactions I will have to cover the cost of these unauthorized transactions. 

After speaking with my daughter she informed me that she was performing XXXX XXXX ( for her XXXX XXXX curriculum ) at XXXX XXXX XXXX on XX/XX/XXXX -- the first date of the unauthorized transactions. She said that she left her pocketbook, which contained her wallet with the credit card in the conference room, as required by the XXXX. The only possible explanation I could think of is that another student took her credit card from her bag, made the unauthorized purchased and placed the card back in her pocketbook the following day. 

Of course I can't prove this theory but I do know that my daughter did not make any of these purchases. Of course if the purchases were in line with our usual spending habits the bank never would have questioned them in the first place. I am very upset that I know am being required to pay for over {$1400.00} in charges for items we didn't purchase. 

Please let me know what can be done about this. Can I file a police report and get video footage from the vendors of the transactions to prove that my daughter did not make these charges. I thought that there were rules that govern credit card companies that protect consumers in these situations. Any assistance you can provide would be greatly appreciated.
I pulled my credit report and on it was listed a Judgement in the amount of XXXX for XXXX for a loan through NETPAYADVANCEXXXX. I have no idea what this debt is I have contacted the company as well as submitted 2 disputes on behalf of this debt andt trying to get it removed. The company however has been nothing near helpful with the removal of this debt. They tell me that all they can do is accept a payment on the account.
My bank card was stolen on late XXXX XXXX early XXXX with a balance in my checking account of {$85.00}. Who ever had the card made a series of fraudulent check deposits on for the amount of {$640.00}. The other for the amount of {$940.00}. I immediately went into the nearest branch and informed them as to what had happened and had the card cancelled and opened a fraud investigation. 
After sometime the bank reversed some of the fraudulent but not the others -- seemingly based on amount. What I would like is the before fraud amount restored to the account ( XXXX XXXX, XXXX NON-CHASE ATM FEE-WITH Fee {$2.00} {$85.00} ) and all other fraudulent activity voided.
My mortgage was sold to Nationstar Mortgage a couple of years ago. 
I always pay my bills using XXXX online bill pay, and have always done so. 
And for over a year everything was fine. 
Suddenly this year beginning in XXXX they have started losing the electronicpayments from XXXX. They have reported late payments to the credit reportingagencies and have threatened me with foreclosure several time since then allbecause they keep losing or misapplying the monthly payments! 
I am attempting to refinance this loan right now, but I can not get the best ratesbecause Nationstar has ruined my credit! 
They are horrible to deal with on the telephone - rude and nasty - and they treat melike I am some bum! Others need to be warned about them, and all US banksshould discontinue selling mortgages to this company immediately!
My credit report from Transunion have an account ( # XXXX ) from XXXX XXXX XXXX XXXX that does n't belong to me. I need this account to be removed from my credit report, its affecting my credit score.
Wellsfargo seized my home in XXXX as it was reported to me on XXXX XXXX they claim it was abandoned though I XXXX utilities and lawn service my mortgage is CURRENT just yesterday they sent a locksmith who gave my son new keys and they proceeded to trespass on my property and take photographs of my property in essence they changed my locks left my garage door unlocked spray painted my garage door with a house number that is not mine entered into my home attached a log on my wall with a different address listed on it signed in to the log all the while my mortgage is current and without contacted me I hope you can help or direct me to someone who can
I was Informed by XXXX XXXX  that I had a collection listed on my credit from an account opened XX/XX/XXXX. This was a shock to me because my credit is fairly new and I pay all bills on time. Upon doing some research i found that this was a medical bill from XX/XX/XXXX with the vague description of XXXX XXXX  XXXX XXXX. Well I had not accumulated this debt so i filed a dispute with the the 3 major credit bureaus. I was informed that this account had been " verified '' as mine as a response through XXXX. This was alarming to me because I had never received any formal documentation of this alleged debt from the original debtor nor the collection agency. In fact, I had no knowledge of this alleged debt until it appeared as a derogatory mark on my growing credit. This is in clear violation of Fair Debt Collection practices as the deceptive nature and maneuvering of this company has denied me the RIGHT to this so called " verified " information and denied my RIGHT to settle or pay in the first place for that matter. They made no attempt to contact me to verify if this debt belongs to me. Its evident that the actions of this company are malicious and I find it predatory that such a thing can happen and I am left hopeless and at the mercy of the very people who have committed this offense. I have made attempts to contact them but to no avail. I have been asked several times to provide " documentation '' to verify my innocence but how? what documentation? I have none because this is not my debt! No one has provided me any verifying documents, including the 3 major  Credit Bureaus! No attempts were ever made to contact me directly, I received no bills, notifications or mail. I feel helpless as a consumer. Please Advise as to what I should/could do.
XX/XX/19 : deposited {$5000.00} check from XXXX into our Bank of America checking account via ATM. Immediately informed that there is a deposit hold : funds available XX/XX/19 XX/XX/19 : funds deducted from XXXX account. Still see deposit hold XX/XX/19 : bank officer states he can do nothing. Advised try using the app to resolve. Did that. Told hold would be in effect until XX/XX/19. 
That is 11 calendar days or 8 banking days. Were a consumer to do this, it would be check kiting, with BofA it seems policy
Debt not mine, does n't belong to me, no contract with company, is n't licensed in sc
In XX/XX/XXXX, I left the USA to XXXX in the pursuit of a XXXX. By mid XXXX I was still jobless, so I was unable to keep up the payments from abroad. Therefore I pursued negotiations directly with Discover to find a hardship program or some payment system that would at least lower the payments. 
End of XXXX, we had reached a deal to work a payment plan that would lower the payment and keep the credit from faltering. Unfortunately, they denied everything that I had negotiated as if it did not happen and I was only bubbling the payments. They rudely cared little for me and did nothing to help, only demanding only payments. By the end of XXXX I tossed my hands in the air. I had to make a decision between food and the payments. Of course, I chose food. 

I swore to myself I would take care of this when I returned. After four fruitful years in XXXX and XXXX studying and working, I returned to the USA this past summer jobless once again. On XX/XX/XXXX I received a letter from XXXX XXXX ( debt collector and possible new owner of the debt that has not been verified ) requesting I accept the current situation or dispute it by XX/XX/XXXX ( 30 Days ). No response will mean I accept the amount of the debt. I will be sending a letter soon to dispute this wrongful situation. 

I hope you are able to assist me and find terms that both parties can agree upon that will allow me to put the debt and emotional frustration behind. 

Kindest regards,