WillisBack/dataset-financial-user-claim huggingface dataset:
Issues in XXXX. My loan estimate states my fees are {$6800.00}. I was given my cd with fees $ XXXX higher than what was disclosed on XXXX. My loan officer forced me to close on XXXX, waiving my 3 day right to review and accept higher fees. I also found out I do n't have a clear title and there are open permits that deal with final completion and occupancy.
A claim was submitted sometime ago and was recently completed. unfortunately the financial institute did not pay the total disputed amount. The disputed amount was for {$1900.00} and the financial institution only payed out {$1300.00}. The remaining dispute is XXXX. 

I do have a hard copy of a bank statement that states the disputed amount but i do not have an electronic copy.
this bill was to go through my health insurance. I contacted the company MANY times with NO response.
On XX/XX/2018, I was charged a {$10.00} fee by Ally Bank for my 7th withdrawal from my Savings account. This 7th withdrawal was an automatic sweep to my checking account to cover ACH debits coming out that morning because there were insufficient funds in my checking account to cover said ACH debits. However, I had ACH credits that posted subsequent to those ACH debits that would have covered the ACH debits the morning of XX/XX/2018. Since I had ACH credits in an amount that would have fully covered the ACH debits, I am requesting a refund of the {$10.00} fee I was charged. It seems to me that processing ACH debits before credits is a predatory " order of operations '' practice to squeeze the consumer out of more of his/her hard earned money.
In XXXX my house went into foreclosure, The original attorney for America 's servincing co. was a XXXX XXXX XXXX who was disbarred. After going to court several times and not getting nowhere I filed for bankruptcy in XXXX XXXX, In XXXX XXXX I entered into an Home Affordable Modification Trial Period Plan. In XXXX XXXX I was given Loan Modification. My interest rate went from 8.800 % to 8.675 %. I was also given a deferral of principal of {$150000.00}, with {$51000.00} taken off each year for three years.
I 've been disputing   XXXX   XXXX   XXXX   XXXX   since   XXXX   2015 informing them that this is not my account. I 've disputed with all   XXXX   credit bureaus and every time   XXXX   XXXX   XXXX   XXXX    confirms that this account belongs to me. I 've asked  XXXX ,  XXXX , and Transunion for method of verification but never received one. I then disputed it directly with   XXXX   XXXX   XXXX   XXXX   and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the  XXXX  bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.
Money was never transmitted to bank nor recipient. Refund not provided to me Terrible customer service.Errors/Conflicting reference number I sent money via MoneyGram online service. on XXXX, 2015. I paid {$210.00}. cash, of which {$9.00} was transaction fee, reference # XXXX ( The Customer service does not have this number matching- I have E receipts and online account ). The money was intended for my mother via XXXX phone number XXXX XXXX XXXX in XXXX. When she went to the designated XXXX bank agent in XXXX, they informed her that the money was never transmitted nor in their System .I called customer care on ( XXXX ) XXXX ( XXXX ) XXXX, Filed online and they have had me with the following reference codes they called back XXXX and XXXX She tried again on XXXX XXXX with the same result. That same day, XXXX XXXX I contacted MoneyGram about the problem and Called XXXX XXXX Customer number # XXXX. They told me that they dont have any money from Money gram to XXXX or they cant help help me even though my receipt shows my name and reference number accurately. Then they transferred me from XXXX person to the next. I spoke with XXXX people that day. The calls lasted over XXXX hours. The last person from opened a case, She said she would give me a call after they investigate. I have never had problem with money gram before but my trust and patience is running out, I used to really recommend money gram but for 3 days my joy of doing transaction with good faith has turned out to be pain -I was sending money for emergency the receiver never got the money, I am even scared using the products right before this ordeal my online account was blocked and I can not even access their Plus account, Today XXXX XXXX 2015 I realized the calls in Customer service are on long wait delay I have been on the phone all day trying to get a refund. I get transferred around and get hung up on, They need to really protect consumers
I have been consistently making payments to Navient on my student loans. Navient doesnt allow flexible payment options. Theyre either ~ {$200.00} or $ 700+. I can not afford the higher tier option. As Ive been paying on the lower tier option less than 5 % of my payments have been allocated to principle. 95 % of payments have been going towards interest. For context, I took out a student loan in 2013 for {$20000.00}. Although I have been making consistent payments on the loan my balance is currently {$23000.00}.
I have paid all debt and cleaned my credit report. All of a sudden this company, Medical Data Systems showed up for asking for {$100.00} that belong to my son. I asked for proof and they refuse to show me proof. I disputed it but they keep claiming it without showing me proof that it is min.
On XXXX XXXX I received an alert that I have a collection on my report. I never received a call or letter from franklin collection service. I called the agency they stated it 's from XXXX for service I never received. I leased my home for 3 years and during this time I became a victim of identity theft. I submitted a dispute to the creditor they reported it again as a new debt. I also checked this collection agency is not authorized to collect debt in Michigan.
1. This collector has repeatedly and falsely reported the alleged debt as new. 

2. This collector has rejected my efforts to resolve the debt in accordance with the law. 

( These options were not listed in the drop down menu. )
I have tried repeatedly for 18 months to communicate with XXXX about the following : 1. Old information reappears or never goes away 2. Incomplete reporting 3. Incorrect credit score XXXX has made it increasingly difficult for consumers to get their records reported properly, get their records corrected or even to talk to someone with a dispute. I received an updated report and I am still unable to dispute anything because their automated system does not recognize their own XXXX reference number. I am exhausted and feel victimized by XXXX because I have been requesting correction for over a year and it is against the law for a credit reporting agency to cause a consumer distress. I have XXXX positive accounts that disappeared from XXXX and have since then been denied credit. This is costing me money on interest rates. If I freeze the account it still has not helped because agencies that use them still believe their false reports.
Wakefield and Associates began contacting around mid year of XX/XX/XXXX in regards to a medical debt originally from XXXX XXXX Hospital. I informed the company at the time that the debt had been paid directly through XXXX XXXX Hospital. I informed Wakefield and Associates that the amount that they had was also the incorrect amount. I then contacted XXXX XXXX who stated that the debt should take care of itself since I did pay it directly through XXXX XXXX. Since then Wakefield and Assoc. have been increasing the debt by {$1.00} every so often. I have contacted them again and asked for them to remove the debt as it has been paid. I have a receipt that requested from XXXX XXXX as proof that the payment was made on XX/XX/XXXX. XXXX XXXX billing even stated that this company should not be collecting on this debt.
Capital One has continually tried to keep extorting me financially. In their recent discovery they sighted an error on their part and claim to have adjusted my account by a {$150.00} in XX/XX/XXXX and that at the time of the error my account should have been reinstated and monthly billing statements should have commenced. 

However, instead of reinstating my account for a monthly billing statement to be sent to me monthly, they again falsely claim that they never received payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 ( for the record, XX/XX/XXXX has been paid too ) which are all false and fraudulent. Then, they have asked me to pay them {$1200.00} from know where. Plus, tag on late fees, and something else called " Other fees '' ( XXXX idea what " Other fees '' mean. And, it should n't not be added to me ) As prove, I have attached prove of checks paid, received and cashed by Capital One for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 The same months they claim they never received payment. 

Hence, I ask that Capital One adhere to they following : Remove all late fees charged to my account deliberately by them, as my payments were made and on time for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 Start sending me monthly billing statement to ensure accuracy Credit my account appropriately for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016 and send prove of credit applied to the account. 

I strongly believe that this banks actions are intentional. No bank in the world can make this much mistakes on XXXX account unless its intentional. Therefore, the bank can not claim that it was another unintended mistake. Either way, if the bank has this many incompetent people working for them, then it 's worth the XXXX taking a closer look at their practices. I am pleading with the XXXX to really zoom in on this banks activity. My case might and will not be the only case with such challenges. 
Please find attached, prove of payments to disprove their claim of none payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016.
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME
I sent this company precise information regarding my disputes. This company has failed to research the information that I have provided them. This company has not did an accurate investigation. As a consumer I think that I was treated unfairly which has affected my credit score. Each dispute I have been very detailed in providing information to the investigation. This company has failed to research and investigate properly. I also requested a XXXX verification and this company has failed to provide me with the XXXX verification. This company is not even reading the disputes that I sent in. There has not been a thorough investigation therefore all of my actions have been in vain. I asked for the XXXX verification and they have failed to provide me that information. During the investigation they have not been verified any written information they only have did everything through email but nothing through the request of information that I have sent them. I have one company that I do n't have their own information from they refused to investigate that. The companies that I have a dispute on they have not provided me any verifications even though some of them are charged off I do n't know if they 're accurate or correct but they 're hurting my credit score.
I have requested that the remarks be removed from my credit report that state consumer disputes. Having these remarks on my credit report are causing issues with me refinancing my home. This creditor has already been paid off.
going into reports for Experian and XXXX I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.
collectionSeventh Avenue has reported a debt to my credit report. I do not know where this debt came from. I disputed it with the credit bureaus and they said Seventh Avenue verified the debt to them. I have requested copies of physical documentation to validate and verify this debt and have been ignored. 

A company collection named XXXX stated they had no information concerning this account also and removed their status. Seventh Ave has not and they claim to be the original creditor. This is violation my FCRA and Fair Debt collection rights. How can they report this information with out any proof?
I called to report a lost card. Spoke to an offshore help desk. They said they would replace the card and I would get a new XXXX in the mail within 2 weeks. XXXX4 weeks later I call again. They have no idea or zero record of me calling.l, and have mailed nothing. They asked for all my info again, said they would mail a new card. The next day I received the SAME card I had lost. I had to call again and get them to send a proper NEW card which would take another two days. Almost a month from my first call. Terrible customer service and zero comprehension.
I received a notice from XXXX XXXX XXXX that says I owe a debt of {$4700.00}. 

I do not owe this. 

The notice says its from Wells Fargo Bank ... I never had an account with Wells Fargo Bank ...
I had an original XXXX XXXX XXXX Home Mortgage Loan for my primary residence which has been subsequently sold off to several other mortgage servicers. During the 2008 Financial Crisis my mortgage became insolvent and I was eligible for relief under the HAMP and TARP programs. I applied for a loan modification and was wrongfully denied a modification and have since been in litigation with the mortgage servicers for several years. Per TARP, HAMP and Federal Law. This was not supposed to affect my credit. However, my loan servicer still reports this as a derogatory mark against my credit. They have taken payments from me during a trial modification period. All the payments I made were made in good faith as well as being both timely and well documented. Once again they refused to reinstate my loan and demanded the entire mortgage ballooned to be due and payable in full. We have a written settlement agreement that they have refused to honor. They did not act in good faith and I am pleading for relief.
XXXX  refuses to process any of my disputes, by phone, they have it blocked online, and via mail. I have fraudulent accounts on there that do not belong to me due to identity theft. This is a federal violation of the FCRA.
My payment went from XXXX $ to XXXX $ in one month. They claimed it was an escrow analysis and said my insurance rate doubled. So I asked what would bring my payment back down. They said if I could change insurance. I changed from XXXX to XXXX insurance. My old insurance was around XXXX $ while my new insurance is XXXX . I had been told this would bring my monthly payment down. I just filed for a new escrow analysis and my monthly payment is now XXXX . I asked why and they keep saying my escrow is in a negative. My escrow was ( XXXX $ something ) before I switched insurance. It is now XXXX $ I do not understand how my mortgage can INCREASE after I paid off some of the escrow. I also have some phone recordings with my stating and them verifying this should lower my payment.. 

I have included XXXX phone recordings that show the entire intention of me doing this was to lower my monthly payment. I make mention a few times about how my account increased and I want it to decrease.
Called 7 times at XXXX every day since XX/XX/18. They do not leave a message. They are a company who buys 10+year debts. I have not received anything in the mail concerning this debt. The statue of limitations in the state of Michigan ( in which I am a resident and this business is located ) is 6 years.
I am not clear on the details of all transactions. I have been trying to reconstruct the timeline and have made calls to the companies numerous times inquiring about the changes to my mortgage, but they would not allow me to obtain them or outright lie to me. Someone refinances my house many times an it is not in foreclosure. Rather sold to my brother for a quarter of its worth with my signature giving him the gift of equity and purportedly giving me a right of refusal in two years.

Prior to this I paid all payments to XXXX XXXX, but apparently there were 2 separate mortgages on my house from two separate banks. Im still unclear exactly what occurred, but there were multiple transactions and I was unaware of them, nor did I benefit from them in any way. 

XXXX, an mortgage co I only learned of around XX/XX/XXXX appears to have had a mortgage on my house since XX/XX/XXXX along with XXXX XXXX. 

Payments appear to have been made to both banks, but Im unclear on how or what account they came out of. 

Whoever refinanced appears to have stop making payments or a time period elapsed Around XX/XX/XXXX and foreclosure proceedings were sent to me for different dates, times and places.

In response, I used Keep Your Home Ca to save my house when it was in foreclosure and my mother as POA helped me with all the details. Im learning now that both XXXX, Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, the mortgage broker and possibly someone very close to me all played a part in obtaining all such mortgage transactions as they appear to all be done online and use the same signature page of A GFE I initiated myself in XX/XX/XXXX. 

I have documentation of inquiries and now subsequent to the sale to my brother Im left with nothing. Not even the right of 1st refusal which would have allowed me to either repurchase my home of 17 years for what I sold it to him for, or it be sold and equity split between us fairly according to my years in the house, my gift being repaid and market value according to its unique value. 

Ive been given nothing, rendered homeless and have no recourse.
Nationstar Mortgage is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her loss mitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) so we did file a complaint with the CFPB the sale likely wont be stopped.
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity XXXX XXXX accounts and they were sent to collections as well to XXXX XXXX XXXX XXXX, Account # s XXXX, AND XXXX amounts {$1700.00}, {$630.00}, {$520.00}, {$460.00} XXXX XXXX, {$1000.00} -XXXX XXXX for {$2600.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
I have hard and soft inquiries that are not from me they are from my ex now hevea doing this when we were separated and I do not want them on my credit report! XXXX XXXX XXXX is correct but the others are unknown to me or over 2 years! Please remove!
I have a loan with BMW FIN SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BMW FIN SVC with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.
I was 3 months behi nd on my Wells Fargo h ome mortgage because me tenant was late on rent. My tenant became current on the  XXXX . Normally i pay  online thru Wells Fargo 's website from my Wells Fargo checking account but my access was denied with Wells Fargo stating they were trying to help me avoid foreclosure. i called Wells Fargo  mortgage on  XXXX   XXXX  to ma ke 4 payments and asked the late fees to be paid next month. I was at the pool with my kids and the Wells Fargo rep asked for my routing number and acct number which i did not know. I asked for online access I could make my mortgage current and was told to call back when I have my checking info. I gathered this information and called Wells Fargo three times t oday. The first time at  XXXX   XXXX  I provided my info but was disconnected when i was transferred to the mortgage dept. I called back at  XXXX , gave my info and was connected to the mortgage dept but the rep had computer issues and could n't access the payment portal so she asked to transfer me. Again i asked for online access so I would n't waste more of my time but when i was denied i asked not to be disconnected when I was being transferred. Sure enough i was disconnected. I called back at  XXXX  and provided my info. The customer service rep tried to walk me through an online payme nt which failed so she transferred me to the mortgage dept. I am going through a prolonged divorce so being fed up Wells Fargo I decided to pay other bills and only pay 2 monthly payments to Wells Fargo. Wells Fargo said  they would not accept a payment for half the amount owed and would only accept payment in full. How is this trying to help me avoid foreclosure? I only owe $  XXXX  on my mortgage. My hous e (   XXXX   XXXX   XXXX   XXXX ,  XXXX , WA  XXXX  ) is in a high demand area and will sell i n one da y for $  XXXX . This is unfair practices which seem deliberate to aggravate the consumer to make poor decisions. I am available to speak at any time. Thank you,  XXXX   XXXX   (  XXXX  )   XXXX
The specific nature of the problem refers to the terrible customer service of Atlantic Credit and Finance. Over two months ago I 've sent a payment via postal mail and I still have n't received a payment receipt. Every time I try to call I 'm transferred to someone that never answers the phone and whenever I do leave voice messages no one ever returns my call. This is a horrible way to treat customers who are trying to rectify their accounts. Unfortunately this has happened before ever since they 've had my account over the past two years. I need a payment receipt for payment made in XX/XX/XXXX and every payment I 've made since 2016.
On XXXX XXXX, 2017 I received an email from XXXX XXXX  about a new hard inquiry on my credit report. The inquiry was for a card from a store called XXXX XXXX. Attempted an email but no return as of this message.
I opened an account with capital one 360 and they will not let me connect to it as a payment method. also and this is even more important my father who has been sick for years sent most of his retirement money to his capital one 360 accouns over {$10000.00}. he didn't know the accounts were restricted cause they never let us know they were restricted or had any reason to restrict them in the first place. Now the money is stuck in there accounts and when u call them about it the department they send u to makes u wait at least 4 hours usually more. they said the accounts were closed but my dad 's money is in there it says when u call and it still veifirs his information. Now he has no retirement, he struggles everyday just to put food on his plate. I don't know what to do. I have asked them to close the accounts and send him his money but they will not listen.bi think they are trying to steal it from him honestly. any help would be greatly appreciated. His Name is XXXX XXXX XXXX email XXXX thanks again.