WillisBack/dataset-financial-user-claim huggingface dataset:
in XX/XX/XXXX we purchased a manuf home and obtained fha financing- to date- tax districts list prop as lot only- manuf home is still listed under previous owners. When i turned XXXX i was trying to apply for over XXXX exemption-this is when i was told they is not home listed on property. I recieved overage check from dovenmuehle for XXXX i contact them to let them know this was a mistake and i send the check back in XX/XX/XXXX this has never been resolved. In XX/XX/XXXX we were contact by attorneys from the XXXX law center asking us if we wanted to modify our mortgage- They asked us to send them all our information, paystubs, bank statement, and budget letter. We were told to send them XXXX mortgage payments and not contact Mortage company since they would be handling the modification. In XXXX is when we found out this was a scam and Dovenmuehle sent us a foreclosure notice, they were not aware of any modificiation. We then tried to work with them thru loss mitigation. We made application and sent them all the required information, in XX/XX/XXXX they asked for updated documents since they were more then 30 days old, then in XX/XX/XXXX, they asked for more, same in XXXX, We kept being put off with a reason that they were not able to clear title- they said there were judgement filed against us, this was not the case- it was that the title did not show subject as real property- at the same time this was all happening, we Received a law suit filed by County of XXXX for unpaid taxes for XX/XX/XXXX on the Mobile home for XXXX this include court fees and was still show previous owners name included in the law suit. We contacted Attorney and were told the only way to not lose home to unapid taxes was to file for Chapter XXXX BK, which we did, the we contact HUD who contacted Dovenmuehle to pay the taxes. They were also told that they needed to file the correct documents to get the manuf home listed as real property. This has never happened. Our mortgage has now been sold to XXXX other mortgage companies since then. Was sold to XXXX then XXXX XXXX and now XXXX XXXX XXXX hold our mortgage- Since we filed BK- no one at any of the mortgage companies will talk to us. We have fallen behind again since our payments have increased by XXXX due to shortgage of escrows. They will not allow us to make any payments unless we pay the full amount. We are just wanted our property to be taxed correctly and able to get a loan modification at a current rate in order not to lose our home.
In XX/XX/2018, I spoke to XXXX XXXX ( PNC bank rep ) and regarding the service fee charged to my account. XXXX was able to reversed the service fee charges and informed me that the account needs to have XXXX $ minimum balance to avoid being charge again. Hence I made a deposit on the same day ( XX/XX/XXXX ) which gives me a balance of XXXX . But 3 weeks later I get the bank statement with the service fee charge again. Talked to several PNC rep ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) but they are just a waste of time to deal with. I made an typo error in the address change and they informed me that it takes 3 business day to update the address change and can not do any thing until it is updated in their system : Ex 123 AbcAve => should be 123 Abc Ave. In this day of business and technology where information is updated in split seconds, it should not take 3 business days to update the correct address, especially when there is email and text message to verify electronically. I realized PNC bank does not have a good business practice and need to file a complaint. But PNC does not have formal form or procedure to file a complaint, hence no documentation or transparency of complaint is maintained. This is a " Pretty Nasty Company '' ( PNC ) business practice.
XXXX XXXX CC > XXXX Credit Card # XXXX The limit is {$10000.00} not {$5000.00}
I was to receive approximately XXXX- {$110000.00} of debt relief on my existing mortgage with Citifinancial if I agreed to transfer my mortgage through XXXX XXXX XXXX. I began the process of transferring my mortgage to XXXX XXXX XXXX in XXXX of 2015. In order for the new mortgage to be accepted ( it was an FHA loan ), I needed to do some much needed repairs to the house. I began the hard work needed to make the house pass the inspection required by XXXX XXXX and FHA. The repairs consisted of siding the house and installing all new windows throughout the home. I am a school teacher so I do not receive a paycheck throughout the summer months. I have to budget sufficiently throughout the school year so as to have available the necessary funds needed to get through the summer. Unfortunately I had to use those funds to prepare the house. I felt this was a good trade off however because I would be getting the debt relief mentioned above. As time progressed, one thing after another came up causing me to have to take additional steps and slowing down the process. Throughout this time Citifinancial kept sending updated payoff worksheets to myself and XXXX XXXX. All of my creditors were left hanging throughout the summer as there simply was n't any money left to pay them due to the numerous financial issues that needed to be addressed in order to secure the mortgage transfer causing my debt ratio to go down ( which was the need ) but also causing my credit score to plummet as well. My electricity was almost shut off. My car payment was in arrears, as was my cable, phone, insurance, and property taxes. In XXXX of 2015, school was back in session, the paychecks were once again coming in and I started the slow process of using my income to dig out of the hole I was/am in. On XXXX XXXX, 2015, Citifinancial issued a new payoff worksheet that is good through XXXX XXXX, 2015. When my agent from XXXX XXXX XXXX contacted the Citifinancial branch in XXXX, Connecticut to set up a closing date, she was informed by the branch that my mortgage had been transferred to another lending agency on XXXX XXXX, 2015. I did not receive any correspondence from Citifinancial or the new leasing agency XXXX XXXX XXXX prior to the transfer so I had no idea that this was to take place. Had I known of an impending transfer, I would have insisted on a closing date that would have been prior to XXXX XXXX, 2015. If my mortgage had been transferred to XXXX on XXXX XXXX, then why did Citifinancial issue an updated payoff worksheet dated XXXX XXXX, 2015? Now I find myself in a situation where Citifinancial says they ca n't do anything about it because they no longer hold my mortgage, XXXX will not give me the debt reduction that Citifinancial was giving me, my credit score is horrific, and many of my creditors are calling me daily demanding payment from me.
I obtained a 10-year conventional, fixed mortgage from my local bank in 2006. This loan was sold twice. The current lender is KeyBank in XXXX XXXX, KS, who purchased my loan from XXXX XXXX 6 months ago. The balloon payment ( approx. {$210000.00} ) is due in 10 days. 

A payoff statement was requested from XXXX XXXX at KeyBank, who added a {$850.00} " Admin Fee '' to the principal. I have no choice but to pay this unexpected {$850.00} fee, if KeyBank is to accept the balloon payment and close the account. I was never told about this fee until today. I reviewed my original loan documents and nowhere does it say that I will be charged any amount, let alone a {$850.00} fee, to pay off the mortgage. I have had a number of mortgages, both residential and commercial, and have never had to pay such a fee. The escrow manager says this fee is both improper and very excessive. In fact, she has never seen anything like it in her years in business. 

I asked XXXX XXXX at KeyBank to reverse that {$850.00} fee, but he refused, saying said it was necessary to cover " some legal expenses associated with issuing and filing releases ''. Please note that each of my 120 monthly mortgage payments was made on time and my FICO is XXXX. 

XXXX XXXX also charges a {$100.00} fee to revise the payoff statement ( such as changing the date ). The escrow manager says this kind of fee is very seldom assessed by banks, and would typically cost no more than {$15.00}. 

KeyBank is apparently trying to squeeze exorbitant, last-minute fees that were never due, simply because I have no choice, no time to dispute them and no recourse ( other than CFPB ). I believe that is behavior is known as extortion.
From XXXX of XXXX to XXXX XXXX I lived in the income restricted property, XXXX XXXX XXXX in XXXX, FL. XXXX of the lease addenda stated that if my family size or income changed, I was to report it immediately, and if the income exceeded the allowance, I was to move out within 30 days or by the end of the lease, whichever was sooner. I married, my family income rose, exceeding the allowance, I paid my prorated rent and submitted the 30 day notice, but the manager refused and returned my check and told me I was going to be liable for the remainder of the lease. I continued to proceed with moving out, and when management filed for eviction, I responded and requested an amount to pay into the court registry. However, their unethical lawyer claimed I never replied to him ( he actually never picked up the response I sent via certified mail, which was eventually returned to me. He motioned the court for a default judgment without notifying me, and when I called the court to find out when the hearing was, they told me that the judge had already issued a default. I subsequently filed to vacate the judgment, showing proof that I 'd been denied due process, I was granted a hearing, argued the case myself, and won. The court ruled that I had acted according to the terms of the lease and granted my motion to vacate, ordering that I send the original prorated amount I attempted to give the manager. I actually mailed the check prior to receiving the signed copy of the court order, and still have the certified mail receipt indicating that it was received. Nevertheless, the management company had reported a debt of {$1500.00} to each of the XXXX credit bureaus which they have not only never removed despite my disputes, but most recently reported to XXXX last month. Apparently the collection agency and/or management company is still misrepresenting this, and the credit bureaus are taking their word for it that I owe them this money. They list the account as " opened '' on XXXX XXXX, XXXX, which was 3 months after I moved out of the apartment and two weeks AFTER the court vacated the default judgment. What do I need to do to get this fraudulent report off of my record? Can I sue them for this? Can they be fined? This is n't an oversight ; it is intentional. I am attaching the following documentation : the original Order of Court 's Default ( XXXX/XXXX/XXXX ), Order Vacating Final Judgment ( XXXX/XXXX/XXXX ), Notice of Hearing ( XXXX/XXXX/XXXX ), Order on Defendant 's Motion to Vacate Default Final Judgment ( XXXX/XXXX/XXXX ), the stub from the money order they insisted I use for payment ( XXXX/XXXX/XXXX ), and the XXXX Postal Service Return Receipt for the rent ordered by the court, signed by XXXX XXXX 's manager on XXXX XXXX ( the hearing was on XXXX XXXX ; I mailed it the next day ). I want this removed from all XXXX credit bureaus. Your assistance will be appreciated.
I have recently learned that my protected personal financial details including SSN, account information, address details, and more were improperly disclosed by Equifax on or about XXXX XXXX 2017. Equifax, by its own admission, disclosed this information to one or more parties who breached Equifax 's apparently paper-thin and entirely inadequate IT security protections.
Solely because of Equifax 's negligence in implementing and maintaining IT security protections, an alarming amount of my personal information is now available in public for criminals and others to misuse. I am extremely concerned about identity theft, financial fraud, and impacts to my businesses as a direct consequence of Equifax 's significant and profound negligence. 

It is crucial to appreciate that the impacts of this improper disclosure will last the rest of my life because the information Equifax improperly disclosed includes aspects of my life I can not readily or reasonably change, such as my SSN and physical addresses. When one combines that information with the information of my parents and wife ( which was also all disclosed ) you have a Perfect Storm for identity theft and fraud. 

It is alarming that Equifax failed to report or provide any information about this improper disclosure until six weeks after they became aware of it. They should have done their duty and timely informed consumers and law enforcement. In that basic responsibility they also failed. Worse : in the interim, it is reported that multiple Equifax executives sold company stock worth almost {$2.00} million dollars. All of that demonstrates Equifax 's true motivations and values : first they imperil consumers through their own gross negligence and then they reward executives who knew or should have known better - and who should have prevented the disclosure in the first place.
I Implore the CFPB to act decisively in this matter. By media reports, more than 140 million US citizens have been injured by Equifax 's failures.
I returned the product on XXXX XXXX, and the merchant received the item. ( I keep the records. ) However, I did n't get my money back until now. This company seems a fraud company based on lots of customer reviews. When I noticed that, I filed the claim on XXXX XXXX to Bank of America to get my money back. But the merchant insisted to send an unworkable cell phone to me, and requested the money from Bank of America ( BOA ). After I returned the product back and contacted with BOA, BOA said that they already sent the money to them and closed the case. Further, because my case is expired, BOA ca n't reopen my case again ; thus, I did n't get the money back until now. 
I contacted with the seller 's bank " XXXX '' and they told me they are pending the transition right now, but they ca n't sent the money back to me, either. 
I hope it is not too late to get my money back before XXXX transfer the fund to the seller. Could you help me to solve the problem? 
Thank you so much.
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$8700.00} Closed Overview You've paid off 0 % of the original amount. 

Balance {$8700.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 9 mos ) Term 72  months Payment History Youve made 18 % of payments for this account on time. 

Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Remarks Consumer disputes this account information Charged off account
Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in Arizona. XXXX credit management also notified me past the statute of limitations.
XXXX XXXX XXXX is a result of a fraudulent account of XXXX XXXX XXXX  sent in theft report and Equifax have not removed yet. 
XXXX XXXX is a result of fraudulent account and Equifax have not removed yet. 

XXXX XXXX  is a result of fraudulent account and Equifax have not removed yet. 

XXXX XXXX XXXX  is result of fraudulent account and Equifax have not removed yet. 

Inquiries : XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Incorrect Addresses I provided Id and supporting doc of address and they still wont removed address : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
XXXX  and Equifax or falsely reporting the wrong information on my reports.   i have not applied nor do i fill out any applications for the cards listed here,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   These are not my applications and these were not made by me. I have asked several times for them to remove these inquiry 's and they have refused. i have sent proof that these are not my applications.   The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of cred it b ) insurance c ) employmen t or d ) a court order.   The following credit inquiries are related to none of the aforementioned permissible purposes :
The instrest for the loan is 890 % I was not told this was going to be this much. I borrowed XXXX and the intrest is XXXX every two weeks. Nothing is going to the principil. I still owe XXXX to pay this off after making paymnets. I called and they said I was charged the lower intrest.
CHASE BANK HAS ENGAGED IN A PATTERN OF CONDUCT THAT IS HARMFUL TO ITS CUSTOMERS AND AMERICAN CONSUMERS. CHASE IS ENGAGED IN AN ILLEGAL SYSTEMATIC SCHEME IN PREMATURELY CLOSING CERTAIN CONSUMER ACCOUNTS. I AM A VICTIM AS WELL AS A WITNESS OF CHASE BANK BEHAVIOR. 

CHASE HAS AUTOMATICALLY CLOSED ACCOUNTS ( DUE TO FRAUDULENT ACTIVITY OR UNAUTHORIZED ACTIVITY ) WITHOUT THE INVESTIGATION AS REQUIRED BY LAW. THEY THEN REPORT THIS NEGATIVE INFORMATION TO A CRA XXXX XXXX XXXX XXXX WHICH THEY OWN IN PART. 

CHASE DID NOT NOTIFY CONSUMERS OF THE CLOSURE AND DO NOT PROVIDE ANSWERS TO CONSUMERS QUESTION AND ONLY PROVIDE THE PERFUNCTORY STATEMENT THAT IT WAS AN INTERNAL AND/OR A BUSINESS DECISION, THEY ALSO DO NOT PERFORM THE INVESTIGATION THUS SAVING MONEY AND VIOLATING CONSUMER PROTECTION LAW. 

CHASE HAS FAILED TO PROPERLY REVIEW OR PROCESS FRAUDULENT ACTIVITY OR FRAUDULENT CLAIMS BEFORE THEY CLOSE THE ACCOUNT. 

CHASE HAS FABRICATED INFORMATION SUCH AS FILING FRAUDULENT SARS REPORTS SO THE PRETEXT WOULD APPEAR MORE PLAUSIBLE. 

CHASE BANK IS ALSO VIOLATING THE SECURITIES EXCHANGE COMMISSIONS GUIDELINES AND CHASE BANK CHARTER. 

CHASE BANK HAS ENGAGED IN SELF ENRICHMENT. CHASE BANK HAS VIOLATED CALIFORNIA BANKING LAW. CHASE BANK HAS VIOLATED CONSUMER PROTECTION LAWS AND IS ENGAGED IN CAUSING HARM TO CONSUMERS. 

THIS BEHAVIOR IS RECENT AND ALSO DEMONSTRATED BY XXXX XXXX XXXX. CFPB AND OTHER REGULATORY AGENCIES ARE INVESTIGATING THE XXXX BEHAVIOR. I ENCOURAGE CFPB TO DO THE SAME WITH CHASE. I HAVE ATTACHED THE RECENT PRESS RELEASE FROM CFPB REGARDING THE XXXX INVESTIGATION. 

IF ONE BANK IS DOING THIS TO CONSUMERS THEN ALL BANKS ARE ENGAGED IN THIS BEHAVIOR OF HARM TOWARDS CONSUMERS.
CRA violation no knowledge of the fraudulent XXXX XXXX XXXX appeared on my Equifax credit report. FTC ID report # XXXX
I have applied for a personal loan for XXXX dollars on XX/XX/2018. I advised the loan officer that it was to help my sister to get her back on track with her mortgage while her husband is battling with XXXX. The application was taken and process. 

On XX/XX/2018 at XXXX XXXX i received a call from the underwriter stating that she can not approve me for the whole amount but a counter offer will be submitted and I was to hear back from the bank. 

On XX/XX/XXXX I called to see what was going on at my local bank and no one was willing to talk to me. I got a hold of another underwriter at XXXX who told me that " We do not do loans to help pay off mortgages '' I was in shock!! They made me a 2nd counter offer after I was advised that they do not approve anyone to help pay for real estate mortgage payments. I asked them to return my points back to my FICO score for not disclosing the truth from the beginning and they refused. Had I known this I would have never applied for the loan. 

This is FRAUD and this information should be disclosed in its ENTIRE so as a consumer can make a proper decision. This is absolutely misleading. 

Please help. Thank you
Back in XX/XX/XXXX I got a Title Loan through XXXX XXXX XXXX. A couple of years after I got the loan I had some financial struggles and asked them to just com and get the vehicle. In the last 4-5 years I have told them to come get the vehicle in place of me paying on the loan. They refused to obtain possession of the vehicle back in XX/XX/XXXX so I kept the vehicle. It is a hinderance to my credit and just keeping. They still have the title for it so I can not trade or sell it myself. They broke the contract when they failed to come and get the vehicle back in XX/XX/XXXX. Now they are reporting month over month as a charge off. So they have already written this off as a tax write off but still want me to pay them when I have told them numerous times they could get the vehicle. I want all accounts associated with XXXX XXXX XXXX   removed from my credit file. They are reporting a loan account they can not even find in their system but yet continue to validate it with the credit bureaus.
I was a victim of identity fraud. I placed credit freezes and took the appropriate action. Someone was able use my information at XXXX. This was a hard inquiry on my credit. I called them immediately and let them know my identity was stolen. They would not remove it or refer me to a manager. I called Transunion and faxed my police report and hey would not remove it either. This inquiry is from XX/XX/XXXX and I am still fighting it.
Received this phone number XXXX 2015, Started receiving calls from Portfolio Recovery soon after looking for a XXXX. I informed them several times XXXX no longer had this number but keep receiving phone calls after they promised to remove number. They are still calling!
I bank with Rushcard prepaid services and on Monday they went through a system update which left me with not being able to use my car for XXXX - XXXX hours while the update was taking place now the update is over and I still can not access my account I can not get in contact with anybody and customer service all my money is in my bank account I can transfer funds I ca n't deduct my money from the atm I 'm not able to do anything my direct deposit goes in tomorrow which is XXXX XXXX I need to pay my car payment and I need gas I need food on the table
I applied for a citi Bank credit card, on XX/XX/2018. It was approved on XX/XX/2018 which i confirmed over the phone and received an email advising my application was approved. On XX/XX/2018 I still have not received any mail from Citi Bank. I am unable to activate a card because the card has not come through the mail. I have made numerous calls to Citi bank and verified my address multiple times with different supervisors. I have already received an email showing my account balance of XXXX and showing how to make payments. The XXXX credit limit has already impacted my credit score. When I called for the 4th time today on XX/XX/2018 I was informed that they had the wrong address even though I confirmed my address 3 times. I have talked to more supervisors then i can remember at this point and have been told multiple stories about how the card was sent with an added apt number or the wrong city, or not at all. No one in the company as shown any accountability. I am now waiting for the 4th time a 7-10 days before I can start the process over if not received. As a consumer I find in unacceptable that they are reporting my credit limit to my credit report but I have no way to actually use the credit I was approved for.