WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I spoke with XXXX, a supervisor in the Fraud dispute department at Equifax. I informed XXXX I was inquiring about the account XXXX XXXX Credit Card. I explained to XXXX the initial dispute was received onXX/XX/XXXX regarding this account being opened without my consent. I then advised XXXX the investigation has been over 30 days and Equifax has failed to provide 100 % accurate verification of this account. XXXX told me that XXXX XXXX sent over electronic verification regarding the account that included my name, current address, date of birth, and a social security number. I asked XXXX did XXXX XXXX provide any original documentation or contract containing my signature. She then replied by saying no they were not able to provide any original documentation. I then went on to explain to XXXX this is a clear violation of the Fair Credit Reporting Act section 609 & 611. XXXX said she was aware of the Fair Credit Reporting Act but would to wait on notification from XXXX XXXX before taking any action. I told XXXX XXXX XXXX is no longer in business and the information being reported is in accurate in urself. I also informed of the Police Report I've sent to Equifax including this account and account number. XXXX basically ended the call saying it's nothing else that could be done on their end even though their clearly are violating the Fair Credit Reporting Act which is completely unacceptable.
To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for XXXX credit, insurance, employment or other services XXXX with your company. This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Sincerely, XXXX XXXX
On   XXXX   XXXX   XXXX    , I received a notice from FedLoan Servicing telling me that it was time to renew my Revised Pay As You Earn repayment plan. This notice advised me to re-certify using  XXXX . It never told me that I would not be able to import my tax return as I had been doing for years.     On   XXXX   XXXX   XXXX    , I went to  XXXX  to renew my repayment plan. I completed the online application and had my spouse complete his portion on  XXXX .   XXXX   then instructed me to mail a paper copy of my application to FedLoan Servicing along with my tax return.     FedLoan Servicing never told me that I could upload everything online ; I had to figure that out on my own.     I submitted my application and my tax return  online. ( See att ached screenshots. ) On   XXXX   XXXX   XXXX    , I received an email stating that FedLoan Servicing had received my application and was processing it.     Then on   XXXX   XXXX   XXXX     I received an email from FedLoan Servicing stating that I had a message. I retrieved the message and it told me that it was unable to process my application because I had not provided income documentation. It then told me that I needed to reapply using  XXXX . It did n't even provide me a way to fix my application. This letter was very confusing.     I called FedLoan Servicing later on   XXXX   XXXX   XXXX      . I spoke with  XXXX  employee ID #  XXXX . He said that the letter I received was likely automatically generated because I did n't import my tax return online. This seems implausible. Why would FedLoan Servicing autogenerate a letter denying my application? He looked into my files and saw that the application and tax return were there.
There is a credit card that was issued by Household Bank. The debt went bad. I settled this debt with a debt collector years ago. I received a call from a collection company or attorney in Florida stating that they were going to have me arrested for Fraud. I spoke with an XXXX the first time. She would not give any information and started insulting me. I told her I was going to file a complaint with the FTC and my state 's attorney generals office. 

As I was filling out this form I called back to ask the address of the firm. They forwarded me to another person named XXXX. He was very argumentative and told me that they do not give out their address. After he continually asked me why I wanted to know their address, I finally told him it was so I could forward the information to my attorney generals office and the FTC. I said I do n't really need it but the form was requesting it. 

His response was that I apparently have everything I need. He then stated " also, do not contact this phone number again ''
On Thursday, XX/XX/2016 Razor Capital , LLC filled a Small Claims General Civil suit against me in XXXX County Magistrate Court on behalf of XXXX ( Attorney for Plaintiff ) Bar # : XXXX. I do not own this alleged debt And I wish that this debt collector close this case against me and contact my FDCPA attorney XXXX, CA XXXX Phone : XXXX resolve this matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT NUM FOR CONTRACT WAS WRIITEN AS OFXX/XX/XXXX THE INTEREST RATE WAS 25 % ON THE 3YR  INSTALLMENT LOAN XXXX FOR 36 MONTHS ALSO HAD GAP INSURANCE THREW THE COMPANY CREDIT ACCEPTANCE COORPARTION PUT A TOTAL {$5000.00} DOWN THE VEHCILE WAS AXX/XX/XXXXXXXX WITH XXXXMILS ON THE VEHCILE WE WAS ALSO FROM CAC TOLD US AT THE TIME IF ANYTHING WAS TO HAPPEN TO VEHCILE WITH IN THE 3YRS OV BEING TOTAL THE COMPANY GAP WOULD GIVE US THE FULL PRICE OV WHATEVER THE DAMGES. THE GAP INS WAS SECONDARY INS. FAR AS THE CURRENT INS IF OUR CAR INS DID NOT COVER .THE XX/XX/XXXX XXXX   PRICED AT XXXX $ THE END OV THE CONTRACT ME AND CONSIGNER WOULD PAY XXXX AFTER EVERYTHING WAS PAID TOTALLY CREDIT ACCEPTANCE COORPRATE OFFICE IS LOCATED IN XXXX MICHIGAN PH # XXXX  FOR THE CUSTOMER SERVICE DEPARTMENT
I have complied with all requests for information to remove PMI from my account and have been told each time that it will take 15 days to process my request. I received one canned email from them which acknowledged my request but ignored all information already submitted. Other than that, nothing ever happens and phone calls to AmeriHome only promise a return phone call from someone who can help - which never happens. Getting through on the phone takes 20+ minutes just to be told that the proper department can not be reached except by email ( as I 've already been attempting ), and that a request will be submitted to have someone call me. I 've done this at least 4 times so far. It has been over 3 weeks since my last request and I had expected to be contacted by now to schedule an appraisal and continue the process, but have heard nothing. I 've been trying for months to get this done.
This has absolutely been the worse experience I have had with a lender. They have caused much distress and sadness in our family. We filed our Application with Total Mortgage Address : XXXX XXXX XXXX, XXXX, CT XXXX on XXXX XXXX, 2016. Our signing date was to be XXXX XXXX and closing date XXXX XXXX, 2016. Total mortgage missed our signing date and closing date. Did not find out until XXXX XXXX that the house would not close on XXXX XXXX. We were due out of our rental home on XXXX XXXX. They almost made us homeless. Thank goodness our landlord let us stay. 

They stated to our lender that they sent out closing documents on XXXX XXXX but the documents did not show up until XXXX XXXX. Their sales person sent us an email right after the documents were sent to disregard the closing documents that it was sent in error. 

Per their website : 30 Day Guarantee Need to close on your new home quickly? 
We guarantee that we 'll close your purchase within 30 days. * Otherwise, we 'll make your first mortgage payment As you can see, this did not happen. We are still in limbo. They have disregarded the VA regulations and the email from the manager that was sent regarding our loan. They cost us {$490.00} in appraisal fees and {$1000.00} penalty fee ( normally {$250.00} a day ) to our builder because they did not close on time. They told our lender that this loan would get done and as of XXXX XXXX, 2016, nothing has been completed nor communicated on this loan. I want people to be aware of this companies false hopes. I would like for them to refund my fees for not closing on time.
I have about XXXX different federal student loan accounts being managed by Nelnet. Each of these loan accounts is a different agreement with a different interest rate. For about 6 months, I have been making payments for more than the minimum required amount. With the amount that is in excess of the required, Nelnet has not been applying these funds to the loan account with highest interest rate to help me pay down my faster. They have instead been distributing it across all the loans, some with significantly lower interest rate than others. This practice is not in the best interest of the students. Why would a student want to pay down a loan that has interest rate 5 %, before paying down a loan with interest rate of 8 %? 

As is the law and practice of a credit card company, the balance bucket with highest interest rate must have payment funds applied first. If a credit card company is obligated to do what is in the consumers best interest, with respect to repayment allocation, the government and student loan services should also be obligated to do what is in the students best interest.
I recently closed my Citi Premier credit card approximately 2.5 months ago and was never informed by the company that they would remove the Thank You Points in my account despite the fact that I have other credit cards with Citi that earn Thank You Points. I contacted Citi within a week of losing my points but Citi refuses to reactive the points. They refuse to allow me to speak with someone who makes these decisions and have provided no reason as to why they 've denied my request.
I have a company, XXXX, reporting information that I feel is incorrect based on the document that I have. Equifax has not provided me with their proof in order for me to verify. I checked with the county court of public record last year and the only document that was on file contradicted what was reported by XXXX on my Equifax report. I am looking to have the information correct. However, if the information is not accurate, I 'd like it removed because I would 've already suffered a higher penalty for the inaccurate information. I also had an issue uploading documentation that supports my case. That document is available upon request.
There was a huge unauthorized electronic ACH transfers {$44000.00} from my checking account on XX/XX/XXXX th. Several of these transfers occurred until XX/XX/XXXX which total amounted to {$72000.00}. My checking account balance went from {$72000.00} to {$400.00} in XXXX days. I had alerted the bank I was going to XXXX on XX/XX/XXXX. I did not get any alerts from chase bank regarding any ach transfers in such big amounts. I checked my acccount XXXX weeks after I came back from XXXX on XX/XX/XXXX. Called the bank immediately to report fraud. Still waiting with no money in my account to even pay my credit card or mortgage.
I have a hard inquiry on the credit report provided by PayPal. I spoke with XXXX who stated that I should send over a fax and include my date of birth and the last 4 of my social and the home address and the billing address and the reason for the removal of the hard inquiry. I asked him how I would be compensated for the fact that there was a hard inquiry on the he asked me to send the fax and that upon receipt of the fax I would be compensated by having the hard inquiry removed. I then asked to speak with a supervisor her name was XXXX. What was stated was that it was general common sense that Paypal or any company is not responsible for any hard inquiry that was fraudulent reported. She stated that it is general common sense and I proceeded to ask her for the mailing address to get a record of the phone call. She informed me that I would need some type of document indicating that I gave up my right to privacy and now I would need a lawyer to recover the phone call and the ip address on how the hard inquiry generated. Please assist me, companies should have some type of safeguard or some type of practice that provides clarification of the individual attempting to apply for credit with paypal. Common Sense. Why would she mock me and then accuse me of mocking her. What is common sence????
I refinanced my mortgage through a broker and Wells Fargo bought the new loan XXXX XXXX, 2012. I escrowed the taxes and insurance to be included in my loan and be paid annually. I had no problem at first, but every year now they send me an escrow refund and immediately raise my loan payment. I have never experienced this with any other of my mortgages. Why do they do this? I always call and ask how I can pay down the demanded new escrow payment to keep my monthly mortgage payment the same. I send them a check for the specified amount thinking there will be no further problems. Then, months later I again get a refund escrow check and they again raise my monthly payment. How can I avoid this constant problem? I am a senior citizen with an excellent credit rating and always pay all of my bills on time and frequently include an extra amount. The first few years I added extra money toward the escrow but this did not help. Now I add extra money to the principal. Is their practice of changing my escrow at least twice a year legal? When they set up my account why did they not set up the escrow account correctly to always be able to pay the annual taxes and insurance without raising my monthly payment after sending me a refund due to overage?. My insurance and taxes annually remain about the same. I do not understand whey they send me a refund because I have overpaid and then raise my monthly payment to cover these expenses. Please advise. I have complained to representatives of the the Wells Fargo Mortgage Department that manages my loan every time I get these refunds and have to then replace them by a higher monthly payment and they continue the practice anyway. Thank you for your consideration.
Without notice, explanation, or legal authority, Caliber claims that I owe them more than {$2000.00} in escrow arrears. Any shortage is the direct result of Caliber 's failure to adequately prepare for the XXXX 2017 annual property tax bill. Now, due only to Caliber 's error, Caliber has unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase.
Regions Mortgage paid expense hazard insurance policy increase Of {$5000.00} to XXXX XXXX three months before insurance policy was due, without our consent or permission.That expense increase put a financial hardship on my husband and I.We can not afford to pay {$2200.00} month payment XX/XX/XXXX.Paid {$1400.00} in XX/XX/XXXX.Region Mortgage is cause us losing our home of 24 years.Region customer 14 years.We want Region Mortgage to cancel expense XXXX XXXX refund funds to escrow account and pay for reasonable insurance.Thank you I appreciate your attention and time to this important matter.
On XXXX/XXXX/XXXX I talk to a lady name XXXX in the consumer affairs office at Equifax, XXXX XXXX refuse many times to remove / delete a {$40000.00} delinquent 15 old account off my credit report, XXXX XXXX to remove a SSN thats not mind off my credit report, XXXX XXXX to remove / delete XXXX address thats not my address at all off my credit report, XXXX XXXX to Remove / Delete my middle initial, XXXX XXXX to remove a formerly Known name that I never used off my credit report XXXX XXXX XXXX to remove / Delete a account that was removed from my credit report & put back on my file with out sending me a letter with 5 days explaining why the {$320.00} Account was put back on my credit report
I have sent in my credit report showing that XXXX XXXX XXXX XXXX was the playof The Bankruptcy on my file equifay told me that they are a wary of the mixed file but never removed this info they deleted his name XX/XX/XXXX and they just remove his address XX/XX/XXXX still kept his file on they say they verified through XXXX which is a lie I have XXXX report and it have proof that they dont have Bankruptcy
I recently checked my credit reports and it reported a derogatory mark from XXXX XXXX XXXX about a XXXX XXXX XXXX bill. I dont know much about this kind of stuff but I when I closed my account it was never mentioned that any money was due. It says it was the past two years or so ago. However, I closed my account about a year ago, so Im not sure when this popped up, how long ago it was, or when it could be from.
I am filing this complaint on behalf of my mother who is the mortgagor/debtor with Nationstar Mortgage. Simply put, mortgagor is disputing a {$43000.00} charge against her account. Nationstar has unilaterally charged the account by taking 18 % of insurance proceeds, which totaled {$240000.00}. ( {$43000.00} = 18 % x XXXX ). Insurance proceeds were the result of a fatal fire that totally destroyed the home. 

Nationstar has explained that the charge is routine and that it paid a vendor to service the account and/or maintain the property. However, Nationstar has failed to produce documents, such as canceled check and invoice, to substantiate the charge ; nor did mortgagor ever receive proper notice of this charge. The {$43000.00} only came to light after mortgagor requested an accounting of the mortgage. 

As reflected in attached documents, mortgagor believes she is owed at least {$70000.00}, as opposed to {$26000.00} as asserted by Nationstar. Please help me in determining the validity of the charge and/or crediting the disputed amount back to mortgagor.
I have a US Bank Secured credit card with a {$2500.00} deposit. I provided notice to US Bank 59 Days Ago to close this account and return all deposit remaining. They have to this day still held all monies due me. 

They are now charging me both interest and late fees when they have already inactivated the account 45 days ago. This is fraudulent as they have stopped usage on the account and now will not refund security deposit less open balance equal to {$1300.00} due to me which includes a refund of {$18.00} in interest and {$27.00} late fee payment. The remaining balance {$1100.00}. 

They are to refund these erroneous charges and return the {$1300.00} at once. They have held this deposit for way to long and at this time they are stealing money from this consumer. I have all documentation needed to prove up both the request for closure as well as the dispute of charges with no follow-up to resolution.
Dear Mr. XXXX of XXXX or whoever is reading this email : I am a XXXX year old senior citizen who is not particularly savvy on the computer. When I was ordering a product on XXXX I noticed that if I received an XXXX credit card I would save money. I have been ordering from XXXX for many years using my Chase Visa card. When I was approved for the card, I was not told that the automatic default for payment would be the XXXX credit card on all future orders instead of my usual Visa card. The default payment was changed without my knowing this. I then made several purchases which unknowingly was charged to the XXXX card when I thought it was being charged to my usual visa card. I did not discover that you changed the default payment method until I had placed several orders in XX/XX/XXXX and XX/XX/XXXX. Once I found out that I was paying through the XXXX card for the XX/XX/XXXX order, I immediately asked that the payment be changed to my Visa card. Your company representative failed to tell me that other orders were charged to the XXXX card. I received no notice from your company that a monthly bill was due. I only found out that I was being charged on the XXXX card and that I was charged a late fee when I called Chase Visa on another matter. There was no notice sent to me that I owed money or how much was due or that I would be charged a late fee. I have never been late on a payment my entire life since I always have auto deduct. I couldn't find out how to get auto deduct on the XXXX card. This business practice is at best very deceptive, especially for senior citizens who are not savvy on using the computer. The very least you should do is let people know that if a customer orders an XXXX card they will have to change their payment method back to their usual mode if they don't want to use the XXXX card or they will be charged. You should also inform the customer when the bill due date is and that there will be a late fee. Thank you,
I was working from home as a XXXX XXXX XXXX XXXX. I was paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a check from one company and it cleared with no problems at my bank, bank of america. Then the next month I received another check for my services and I again went to my bank to deposit the check and it was confiscated for fraud. I did not know the check was fraud and my bank advised me to close my account so I did. No questions asked. I no longer accepted jobs from the company but yet I went to open up an account and I was notified that my name was under fraud suspicion. I would like this issue resolved, this is false information. I pay taxes and bide by all rules. I need direction as to what I need to do to resolve this asap. 


Thank you XXXX XXXX XXXX XXXX Consumer # XXXX
I have repeatedly attempted to cancel my membership for days, and the cancellation process is virtually impossible. Their website states all cancellations must be made by phone. No emails : XXXX XXXX XXXX CANCEL MEMBERSHIP If you would like to cancel your membership, for your security, please call our toll-free number at XXXX. 

Call this number and you are prompted to enter all your very personal information i.e. full social security number and date of birth, then placed on an infinite hold. I have mobile phone screen shots to confirm the number of hold hours. Regardless of which department you request, you are placed on a indefinite period of hold, and forced to listen to their subliminal messages and song playbacks.