WillisBack/dataset-financial-user-claim huggingface dataset:
After my income dropped and I exhausted all my inheritance in XXXX of XXXX, I made my last payment of {$2800.00} on my first mortgage loan with Wells Fargo Bank. I then contacted their Home Loan Department to see if I would be able to apply for a loan modification. I was given a 3-month moratorium to complete the loan modification application process. I filled out a modification packages at least nine times, each time to no avail. The bank kept asking for the same information over and over again. Finally out of frustration, I contacted the legal department of the California XXXX XXXX in XXXX of XXXX. The XXXX then contacted Wells Fargo 's legal department on my behalf. Shortly thereafter, in XXXX of XXXX, a Loan Preservation Specialist situated in a local XXXX branch contract me. I filled out yet another modification package and was denied again sometime in XXXX XXXX. 

In XXXX of XXXX, another Specialist from the Recovery Care Department contacted me. I worked with this Specialist for well over a year. And in XXXX XXXX, I was denied again, because for the first time, Wells Fargo informed me that the investor holding my loan was not part of the XXXX program and because of the type of loan I had, I was not eligible for any kind of loan modification. This after a whole year of providing the same paper work over and over again and obtaining a commitment from XXXX to provide funds towards paying down my arrears! Did n't Wells Fargo know from the start what kind of loan I had? 

On XXXX XXXX, XXXX a notice of foreclosure sale was posted on my front door. A week later the sales date was canceled. On XXXX XXXX, XXXX there was another notice posted on my door with a sales date for XXXX XXXX, XXXX. That sales date was also canceled because I filed for bankruptcy on XXXX XXXX, XXXX. As part of my bankruptcy case, my attorney and I attempted to use the XXXX Program, wherein I would make provisional loan modification payments of 31 % of my gross monthly income to the bank through the chapter XXXX trustee, which I have done faithfully for the last 6 month. However, today Wells Fargo informed me that my income would have to double in order for it to grant me a loan modification. While I have no doubt that I will be able to get my income back to where it was before the recession cause my real estate sales income to drop ; I thought the government supported loan modification programs were supposed to take my income as it is today and help me find a loan modification that works for me, today.
They all the same group of lier XXXX XXXX XXXX, it is the company that brought me to the problem this company name is not exist on XXXX No one pick up the phone 24/7 for the service. Recently I entered in to what I thought would be a mutually beneficial arrangement with this company concerning the optimization of my POS system. The system I have already is a high quality system with all in 1 with the terminal, but their salesman convinced me that their services would be a welcome addition to my existing set up and no need the 3rd party of terminal. Though he lied about a great many things, the crucial lie was the one in which he assured me that these services would be easily integrated in to my already existing POS after apparently calling his home office to confirm that was the case. I do not have the space on my front desk to accommodate additional terminal equipment, which I made clear and which the salesperson confirmed he understood ; I would not have signed the contract if I had known that was required. After lying about the contractual terms and asking me to sign a blank contract and told me he can cancel it in 30 days if I 'm not satisfy and the Sales person simply disappeared now. XXXX XXXX XXXX has charged me for four months of services that were never rendered. Their excuse for denying me a refund is lame and hollow because they have failed to do as they promised and buy out my contract with said current POS company. Their response to my concerns has been insulting and demeaning, not least because they are obviously taking advantage of the language barrier ( I speak english as a second language ). Furthermore, the nature of our communications in addition to conflicting reviews online lead me to believe that if they are not operating illegally then you are certainly close to it. I 'm trying to contact them and their partner but still XXXX. Now 100 of small business got a nightmare from this company because it is in the wind. but Attorney General XXXX XXXX XXXX, filed a lawsuit against XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX alkla XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( collectiveiy, " XXXX XXXX '' ), as well as principal, XXXX XXXX alkla XXXX XXXX XXXX, law firm XXXX XXXX XXXX, XXXX, and several others, on XXXX XXXX,2016.  The lawsuit accuses XXXX XXXX of engaging in illegal and deceptive business practices in the leasing of credit card processing equipment to smali business owners. The lawsuit seeks to enjoin the respondents from engaging in these practices, rescission of leases obtained by fraud or other misconduct and restitution. In addition to this relief, the lawsuit seeks to vacate default judgments obtained by XXXX XXXX by fraud, misrepresentation or other improper practices. XXXX XXXX XXXX Now they try to use legal hold my money from my bank. So I have no idea why they still alive and make people suffer more and more. XXXX XXXX XXXX.
I was renting an apartment at XXXX of XXXX in XXXX, FL XXXX. Upon leaving I verified that the account was paid in full. Now, 5 years later, a collection agency is posting gative information. 
Ideal Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I disputed but the information was not removed. I called Ideal and they gave me the run around and are not immediately forthcoming with any information. I called XXXX at XXXX and it was sold thus they have no information. 

This collection is false. I paid on time every month and was fully paid upon leaving. The Ideal agency is not forthcoming with information. 

I want this information off my record. 

Being as it was 5 years ago I no longer have receipts or any such thing. 

My XXXX and I are XXXX and this is very stressful.
My ex-husband texted me because a company called his wife regarding me. They stated I committed check fraud and her name was associated with my account and gave her date of birth and stated if they knew information about me to have her attorney contact them. I have a copy of the message. I called the company and they stated I committed fraud because I set up a payment arrangement within the last 60-90 days with a company called XXXX for a debt and it did not go through my bank account. I asked what the debt was and they told me once I made my first payment they would send the information. If I did not call them back by XXXX EST they would proceed with legal action. I have never received any information of a debt and the company XXXX is unknown. They never told me any more information. I asked them to stop contacting people and contact me directly and I want information on this debt. I had to end the conversation and they state if I do not contact them by XXXX today they will seek legal action.
Debt had been paid by insurance prior to XX/XX/XXXX when I last spoke to the medical management company that billed for the services. Tonight ( XXXX/XXXX/XXXX ) I go t a call just before XXXX from First Point telling me that I still owe {$620.00} for services. XXXX was insistent that I still owed the money and he has control over reporting it to the credit bureaus. He stated that as of XXXX/XXXX/XXXX I still owed {$620.00} and he was attempting to collect it. XXXX was not willing to hear that I did n't owe any money and that it had been paid. After I let him know that he is not able to try and collect money for a debt that was paid he became very argumentative, stating that he can and needs to collect the debt.
Opened a credit card with Comenity Bank. Charged {$14.00} then returned an item totaling {$8.00}. Never received a credit for the return. Have been charged over {$50.00} in late fees since XXXX 2016. Called the bank several times said they will not stop the late charges while this amount is in dispute. Closed the charge account. How can I get them to credit these late charges or stop charging me late fees? Thank you for your help.
Commonwealth finance is trying to collect and report on the same debt twice. This is very old debt and has been reported for a long time. Now its showing twice!! This is against the Florida statutes from what i understand as well as re-aging an account with no cause is also illegal.
On XX/XX/2016 I received an unsolicited call from XXXX XXXX XXXX XXXX, for a website and an online store, I was told they could get this running in 2 weeks and making money in 3 weeks. 
According to the contract I signed I was supposed to receive the following services : A custom Website ; Business Entity Setup ( which they said was key for advertising ) ; Social Media Marketing Setup ( allowing customers to be linked and connected to my site ). 
But soon after I paid them {$7500.00} I never heard from them again. This is the reason I am filing this complaint, even though I called several times tried to get my money back and told them how I was not pleased by the way they were handling things, but they showed no remorse for what they were doing and completely ignored and refused my requests. I have been defrauded and seriously taken advantage of from another telemarking company offering nothing but lies and deceit! They did not provide what I was supposed to receive, and they knowingly did this! 
Please help me get my money back from these conn artist,  I know the FTC is cracking down on many companies such as these for selling deceptive work at home schemes, who have taken millions from consumers. 
Thank you in advance for your help with this matter.
On XX/XX/XXXX someone opened up a Bank of America core checking account under my name fraudulently. The account was closed on XX/XX/XXXX and charged off XX/XX/XXXX in the sum of {$3400.00}. the account has been paid in full as of XX/XX/XXXX. It's for checking account ending in XXXX.

I filed a claim back in XXXX   and received a response from Bank of America stating that I needed to file a identity theft claim with them which I have. The claim number is XXXX. 
This is regarding case number XXXX I've tried to call the 800 number given to me in the letter from Bank of America and you can't get through is a non-working extension line. This seems to be consistent with others who have tried to contact them. I've attached the letter for your reference.
Continual robo phone calls with a computer telling me this is an attempt to collect a debt. Then followed by a phone number XXXX. This number shows to be listed to XXXX. I have call the XXXX number to tell them to stop calling but its also answered by a recording that says by continuing I am providing my consent. I 'm not consenting to anything so I never get to talk to anyone. Global Credit and Collection Corp. Please make these people stop disturbing me in my home. 
Thank You
We received a loan modification back in XX/XX/2011, we had a 90 day trial and it was official. If we paid our mortgage on time we would receive {$1000.00} off our principal mortgage every year for 5 years and at the end would get {$5000.00} off the principal mortgage. We had this agreement with XXXX who sold our mortgage to Nationstar Mortgage Company 3 or so years into it. Nationstar and XXXX both assured us that we would not have a change of any kind. We continued to receive the {$1000.00} credit every year. We continued to pay on time. Yesterday I was informed that we were not getting our {$5000.00} credit because Nationstar claims they did n't receive my " Real Estate Fraud Certification ''. We not only sent this form 3 times by regular mail, we finally were granted permission to email this form. Prior to the due date ( which in not on the form they mailed to us ) we were told we could only send it regular mail. Every year when we received this incentive, we did n't need to fill out Fraud Certificaton paperwork. However, we did fill it out several times and yesterday I was told that the research Dept decided we could n't get the credit to our mortgage. I asked the representative to please allow me to speak to a representative in that Dept. and I was told they are in a back room and I ca n't speak to anyone from that Dept. They do n't have phones, instead I must email them. I then spoke to ( Supervisor XXXX ID # XXXX ) who assured me she would fix this problem, yesterday she called to say we would not receive the credit. We have worked very hard to maintain our end by paying on time consistently and feel we are entitled to this incentive.
On XX/XX/XXXX, I was contacted at work. A voicemail was left on my phone stating that I needed to contact XXXX and set up a time to be served because I was going to be sued. I returned the phone call. They stated they were collecting a debt on behalf of XXXX XXXX XXXX. They stated that I needed to make a payment on the debt. the debt was over {$500.00}, and with their fees, it came to {$900.00}. I asked the agent about the statue of limitation. I asked was the debt time barred. The agent stated no because they could collect since the bank was going in bankruptcy. I asked them to validate the debt and he stated he couldn't. I could either set the arrangement or get sued. I told them that that was not my debt, however, my only option given was to make a payment. They set up to take a payment on XX/XX/XXXX. I followed up with XXXX XXXX XXXXXXXX. The account was closed in XXXX. The debt was from XXXX. They stated that they were making no attempts to collect anything. I spoke with XXXX XXXX, who stated the account was sold to a debt collector called XXXX in XXXX. The statute of limitations have clearly passed. I received another call today from XXXX, indicating that they were still trying to collect. I informed them that I had spoken with the bank. I also informed them that their attempt to collect and threatening to sue in XXXX XXXX Court was illegal on a debt that was over the statute of limitations. The agent failed to remove or stop debt collection attempts, even after I told him what the agents had stated on a recorded phone line.
I applied a mortgage loan from Bank of America for a town house purchase with 20 % down payment for a XXXX fixed rate mortgage loan. After reviewing my loan application, Bank of America loan officer provided me a loan approval letter by assuring me there is no issue and my income level is more than enough to get this loan. I signed the sale contract with the seller by trusting the loan officer`s assurance. Also, loan officer asked me to transfer my money from my XXXX account to Bank of America. I transferred my money from my XXXX account to Bank of America account which I had to incur approximately {$2000.00} cost because of XXXX losses due to converting from XXXX and transaction costs. In addition to this, they asked my credit card information and they said they need to charge for appraisal in advance by assuring me that there will not be any issue. Again, they reiterated several times that I am very well qualified for this loan. They processed appraisal and charged me {$450.00} for this. 
At the end, Bank of America declined my loan application by saying there is insufficient credit lines. This was totally unexpected big shock and surprise to me. Because, I trusted the loan officer assurance and all of my financial information was available in my application form and this supposed to be identified before proceeding with appraisal and instructing me to transfer my money from XXXX account. 
In summary, Bank of America misconducted my mortgage application process misled me and charged me appraisal fees unfairly without completing their loan underwriting process.
I setup auto pay for the account. But unfortunately later on I find out it was not. When I get letter from the card service regarding late payment I contact them and pay the payment immediately. It was totally unintentional mistake and when I explain it to the card service they waive the late fee. In 2016 when I check my credit report I saw they put a 30 days delequint report on my credit report. I talk with card service and explain them that it 's an unintentional mistake and request them to remove the report from my credit report. But they denied my request by explaining that it a valid report. I do n't know what to do. It 's hurting my credit report. Please help me to solve this problem.
I submitted a request through the consumer finance website concerning my issue on XXXX XXXX and it was submitted to the company on XXXX XXXX for review [ ( Case number : XXXX ) ]. They responded on XXXX XXXX stating that they would review my complaint and provide a solution within 45 days. We are now going into 90 days since my complaint was submitted and just short of 90 days since they responded stating that timeline and they are still having this second company attempt to collect a debt that I am refuting and have yet to provide me with any documentation proving otherwise. Yet, they are also still reporting negative marks on my credit and sending harassing messages on my phone as well. I would like this resolved as soon as possible. If I took 90 days to respond to them there would be negative consequences so I feel that they should be properly reprimanded for this lack of communication, professionalism, and most importantly attacking and harassing me without providing me any proof of the debt owed.
XXXX XXXX XXXX and mortgage companies have submitted multiple credit inquiries on credit file with out consent
I feel I am being ripped off by a XXXX " membership '' fee.In the past the branch manger waived the fee for me which proves they feel they are ripping me off. Now that branch manager is gone last year the branch manger said " I will not do this waiving of fee for you anymore. I feel charging me an extra {$50.00} a year is not fair? they are making money on my loan already. Is this annual fee excessive??
On XXXX XXXX, XXXX, I received an alert through my XXXX credit monitoring app that Accelerated Financial Solutions had placed a new account on my credit report. This account says it was opened on XXXX XXXX, XXXX with XXXX, which is not true. This is an account that has been previously disputed by me, and it does not belong to me. It was removed from my credit report approximately a year ago but has now reappeared.
I have a credit card company continues to calling my family members and being very rude on the phone and calling at all different times if the day and being threating
I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my XXXX, Equifax and XXXX XXXX credit report.
Equifax is refusing to correct my address on my report. They wo n't show my home address and want to show a business address. This is a major negative impact on my credit score because my credit is based on my home address NOT where I work and Equifax for months has not corrected this error despite my constant and repeated request for them to do so.
XXXX XXXX sued for a XXXX account belonging to XXXX XXXX. I was living and working in Pennsylvania. On XX/XX/2018. XXXX XXXX renewed a judgment and is now trying to collect on XXXX account which she states was paid. The CFPB has consent orders against both XXXX and XXXX XXXX. They are scam artists. They have a lien against my home and will garnish my bank account or wages. Please help?
I recently received a copy of my XXXX, XXXX, and XXXX  credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.
We have multiple accounts at Chase bank. In XXXX XXXX, 2016, at about XXXX ET, a fraudster used my wife 's stolen social security number and a fake driver 's license to have a debit card re-issued to her. This card was only used for a small account, but the banker attached it to any account to which my wife 's social security number was attached. Ultimately, through ATM withdrawals with that re-issued card and a paper withdrawal slip, the fraudster stole {$9500.00} from our accounts. This was done at a bank at XXXX XXXX XXXX XXXX in XXXX XXXX, CA. We live in XXXX XXXX, FL, nearly XXXX miles away. We received immediate fraud alerts as this happened, and even saw the money disappearing as we spoke to the fraud department on the phone. 

Since then, Chase bank has repeatedly denied our claims, causing us to re-submit the claims to have our monies returned over six times. They have given us temporary credit, then withdrawn it five times. We have spent nearly 30 hours trying to resolve this, both in the bank, and on the phone with Chase, and lost our own work time and wages, each time being told the situation would be investigated. Our accounts are in constant flux, and we do not know when we can pay our bills. In many cases, we 've been sent to senior managers who have escalated the claims, only to have them denied later. The process has been taking an inordinate amount of time, and the burden has been on us to constantly prove what happened and re-tell the story. We have police reports, an FTC report, and other supporting documentation ( as well as our local branch VP ) in support of these claims, not to mention the fact that the crime was committed very far away. Yet, because the ATM withdrawals were done with a re-issued chip card, Chase continues to deny us. 

Chase Bank is responsible for this theft in the first place. Their security measures are either wholly insufficient, a banker at the XXXX XXXX branch is distinctly unqualified or negligent in his or her job, or that banker is a simple a criminal who was complicit in this. Chase has made a disaster out of this for us, particularly as we are " Private Clients '', which is a meaningless distinction in a bank that is too large to serve any customer well. We are furious and tired. While we await proper return of our money, it is clear that Chase cares little for its customers.
Hi, I have unauthorized charges on my card that Barclary did not want to report the charges are fraud but as a dispute. I wanted the charges reported as fraud because I did not do these charges on my card. I have the charges listed below that should be reversed to my account : 1. XXXX/XXXX/15 XXXX XXXX 2. XXXX/XXXX/15 XXXX XXXX XXXX 3. XXXX/XXXX/15 XXXX XXXX 4. XXXX/XXXX/15 XXXX XXXX XXXX 5. XXXX/XXXX/15 XXXX XXXX 6. XXXX/XXXX/15 XXXX XXXX Also I want this remove for my credit for the month of XXXX, XXXX and XXXX for any delinquency reported. I also want the refund of the {$35.00} and the interest charges of {$27.00}. All together this totals {$1700.00} back to my account. I would like this to be done within the next to 30 business days.