WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, Borrower 's notification to Wells Fargo Home Mortgage as to their response made pursuant to Real Estate Settlement Procedures Act ( RESPA ), as to documentation of invoices paid by them to to their Attorneys as foreclosure fees and cost in the amount of {$4400.00}, which said foreclosure proceedings were commenced on XX/XX/XXXX, and full mortgage reinstatement amount of {$25000.00}, was paid on XX/XX/XXXX.. 
Accordingly, said entitled mortgage foreclosure proceedings was never completed, and their Attorney 's Validation Notice calculated Attorneys Fees and Costs to be {$2000.00}, as of XX/XX/XXXX. 
XX/XX/XXXX, Wells Fargo Home Mortgage stated in its letter, among other things, " We've determined the items [ paid invoices charged to Mortgage Account ] you requested are considered to be confidential, privileged and/or proprietary information of Wells Fargo. For this reason, we're unable to provide the documents requested. '' Moreover, Wells Fargo Home Mortgage, refuse to substantiate by documentation ( i.e., receipted and paid invoices ) as said amounts were recorded in the customer Account Activity Statements -XXXX XXXX XXXX XXXX that RESPA request issue is a service related matter in the mortgage servicing documents. ( Over-stated and unearned fees paid and charged to Borrower 's Mortgage Account )
Security credit services was put on Experian right after deleted from XXXX. Found this out when my score dropped. Tried to dispute but instead of contacting the company direct they send a third party company out to check on disputes and the item never gets removed proper. I have went through this before with Experian.
I was denied a checking account at capitol one 360 because of a chexsystem report and i have my report dated XXXX/XXXX/2015 which they also have and they said there is negative info on the report and on my report there is no information. capitol one 360 will not tell me what the negative info is about me. I am worried they are committing fraud.they also informed me i am not the only one this is happening to. If needed I will hire a lawyer and sue them for fraud.
Hello, My name is XXXX XXXX XXXX ( XXXX ) an international student from XXXX XXXX holding a valid XXXX XXXX  and Driver license without SSN. I invested the digital currency ( ethereum and litecoin ) through the platform - Coinbase, a digital asset exchange company headquartered in XXXX XXXX, California. I was only asked for valid Driver license when I buy those currency. My account information is my email address : XXXXXXXXXXXX I sold ethereum ( XX/XX/2017 ) for {$2300.00} USD and those fund was back to my digital wallet, which they called USD wallet. However, I am only able to withdraw {$1000.00} money back to my bank, and they suddenly required ssn for withdraw. There is no clear statement that I required to have ssn to invest, ssn is only written as the way to increase the limit I can buy or sell in a week, which coinbase have stated I have {$10000.00} selling limit per week. Currently, I ca n't withdrawn money or sell more digital currency I have in my account. The account is required ssn to make any further movement, it is basically frozen now. There are about 1.3k USD in my litecoin account ( the currency keep changing on the market ), XXXX USD in my USD wallet and XXXX USD pending money which will transfer to this USD wallet. 

I have tried contact their customer service, but there is no way to call them and their email is no longer available. Only way to reach them is through submit a request or message their support through XXXX, which they never response. I have tried to close my entire account to withdraw all my money but it also require ssn information. 

Coinbase community has a forum, which named Coinbase community, there are many invester facing similar problem and never get a response from Coinbase. 

It is what it 's happening now, Thanks for your help!
I 'm filing a new complaint because previous complaint ( XXXX ) was closed ( I failed to timely dispute the last response from the mortgage company which I overlooked ). 
My mortgage company approached me about refinancing my home loan for Texas property. We went through the entire process of assembling the paperwork, appraisal ( & gt ; 3 times the loan value ), credit research ( excellent credit ), perfect payment history on existing loan, etc. The property had to be considered investment property because, though I 've owned it since XXXX, lived there until XXXX, still have utilities in my name, my family still lives there and it 's the only property I own, I live XXXX miles away managing multi-family property owner by a family XXXX and my Texas Driver 's License has that address. ( I informed them of these facts at the onset of the loan consideration. ) They said I would have to give up my homestead exemption, which I reluctantly did since the lower payments would enable me to pay the higher taxes. No sooner had I done that when they then said I could n't refinance the loan because I did n't have a homestead exemption on the property XXXX miles away that is in no way connected to this loan. 
I was given the following options : 1 ) Change all my driver 's license and other records back to the loan property address ( which would be lying and virtually impossible to do ) ; 2 ) Declare the property as a XXXX home and, since no one can live there but me, kick my family out on the street ; or XXXX ) Have the multi-family residence owned by an XXXX deeded to me alone and get a homestead exemption there. 
In response to my previous CFPB complaint the company submitted a boilerplate response that they had received the complaint. They later submitted a final response dated XXXX/XXXX/XXXX which I accidentally overlooked and failed to dispute. I do take issue with their explanation in the XXXX paragraph of that letter ( attached ) regarding what I was told and the sequence of events and it failed to answer the key question. The letter claimed " this particular guideline is in place to remain compliant with Texas state law regarding 'cashout ' or Texas home equity loans. " I DO somewhat understand the part about giving up the homestead exemption on the loan property though I believe Texas should allow a person to keep a single longstanding homestead exemption on the only property they own even though they are not currently living there. I do NOT understand why the underwriters would care about my having a homestead exemption on OTHER property that is not involved in an investment loan. Are we to believe that, under Texas law, investment loans can not be refinanced unless the borrower has a homestead exemption wherever they currently live, a circumstance that must be very common? 
I submitted a request to have my homestead exemption reinstated and was denied. Since I 've now lost the homestead exemption on the loan property, and the property is appraised at a higher value, my tax payments for this year have risen over 10 % and I 'm left without the refinance to enable payment of those higher taxes.
I have contacted  XXXX   XXXX   XXXX  over the pas t 3years. I h ave been trying to get the bill they are claiming I owe of {$790.00} taken care of. I contacted them because In  XXXX  when I had the Debt It was paid off and I returned equipment.  XXXX  the item is still reporting on my credit report as I have multiple time tried to inform  XXXX   XXXX  I dont owe this debt. The account i s currently with Enhanced Recovery Corp. I hope you are able to help me with this old high amount debt.
On XX/XX/XXXX, I submitted my income driven request to XXXX to renew my income driven repayment plan. On or about XX/XX/XXXX, I received an email that I needed to denote on my paystub the frequency of my paychecks. The dates clearly show a bi-weekly payment, but I re-uploaded the requested documentation on XX/XX/XXXX, the requested documentation. On XX/XX/XXXX, I noticed my application had not processed and I called them and spoke with a representative to make sure my application would be in process and my XXXX payment would be normal. I was assured that my application would be processed before my XXXX payment. On XX/XX/XXXX, I received notification that my monthly payment on income driven that has been approximately {$450.00} was going to be {$2700.00} on XX/XX/XXXX. I immediately called XXXX and spoke with XXXX, employee ID XXXX, and was told that my XX/XX/XXXX, payment of {$2700.00} had already been issued and could not be adjusted. I asked XXXX to speak with a supervisor as I could not understand why I was paying for their failure to timely submitted my application. I then spoke with XXXX, employee ID XXXX, who said my only option would be to take a deferment. I explained that was not ideal since if I do not pay off my loans that would not count towards my forgiveness period and would add an extra payment on at the end of the 25 year forgiveness period when I will be hopefully making more money. He said there was nothing that could be done other than the deferment. I then stated that I was typing a complaint to the CFPB as I spoke and he was going on the record that I had to take a deferment even though I had timely submitted my application, but they had not timely processed it. He then said he was going to check on something and put me on hold. When he came back, he said he would escalate the issue and process my application himself today, XX/XX/XXXX, and put in a request for my XXXX statement to be reissued, but that there was no guarantee that it would be processed and my payment adjusted. He said I could take a deferment even after XX/XX/XXXX, but since I have direct debit, that I would need to request the deferment by XX/XX/XXXX to avoid the draft of {$2700.00}. 

I have had similar issues like the one described above every single year in renewing my income driven repayment request. What can I do to prevent this from happening again? Why is a student loan servicer permitted to delay processing timely submitted applications and stick me with the bill? Once they issue the bill, there is no adjusting for XXXX 's error other than for me to take a deferment that has a negative impact and extends my forgiveness period a month?
My Name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX, XXXX TX XXXX. I purchased a XXXX XXXX from " XXXX XXXX XXXX '' XXXX in XXXX TX. This transaction occurred on the 21 day of XXXX 2017. XXXX XXXX XXXX financed the sell and they obtained the necessary hard credit inquiry. In addition to XXXX XXXX inquiring into my credit, " Gateway One Lending & Finance '' a tcf bank company, also pulled my credit score. Also, on or about XXXX XXXX, 2017 " XXXX '' placed a hard inquiry which appeared on both XXXX and XXXX. Both credit bureaus decreased my credit score as a result of these inquiries. I have contacted both agencies and both agencies are not willing to delete the hard inquiry despite evidence, in the form of a letter from XXXX XXXX XXXX, indicating they were in error and requested that the inquiry be deleted. As you will see in the enclosed letter, they speak of me a being a " Valued and Loyal '' customer. In fact, XXXX 2017 I purchased a XXXX XXXX XXXX and financed it through XXXX XXXX XXXX. So there really was a need to seek financing as I had it already previously secured and XXXX XXXX XXXX routinely do business with XXXX XXXX XXXX. I will submit a letter from " Gateway One Lending & Finance which has all of the information that I speak about. The " XXXX '' in a large lending institution who inquire for mortgage lenders, automotive sellers and other entities. I do not have their address or other information. I did get their phone number from the internet. I would appreciate any and all assistance that you can provide in this matter. Thanking you in advance, XXXX XXXX XXXX XXXX
A fraudulent charge was made to our credit card. Once we noticed the charge, we canceled the card, notified the credit card company ( Chase ) of the problem and filed a police report with our local police department. We sent in requested documentation to the credit card company, including a response when they provided additional documentation they received from the vendor ( XXXX ) where the purchase had been made. We got a letter back stating that since we did not respond, they determined that the charges were valid. At that point, we called back, said that we HAD responded and that the charges were NOT valid and resent the faxed documents. Heard nothing. Called back a month or so later to see what the status was and they said that they had closed the inquiry again. We said we still contested the charges and wanted them to follow up. They still have not responded. It feels like they are just trying to make it difficult enough dealing with them that we give up and just accept the charges. It 's been over a year since we started the contestation process and it is still not resolved.
I filed for a loan modification with Chase sometime in XXXX and Iwas called several times by Chase for the same documents overand over again. Then when all my documents were finally in andwent to be processed, I was denied a modification. I lost myjob, so I am not earning the money I use to make, but I amemployed or underemployed as the bank likes to call it. I do n't feellike I was helped enough, but given a rushed solution of doing ashort sale. I want to stay in my home if possible. Thank you.
These inquires were just posted to my credit report. I contacted GM Financial for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize. 

XXXX Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX XXXXXXXXXXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the XXXX   Inquiries Inquiry details XXXX  XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks
I had financial and mental set backs upon returning from the military. I had multiple credit cards through USAA. I fell behind and they were eventually closed. The time came to purchase a new house and even though they were closed they effected my credit. I contacted USAA directly and they said they do not deal with closed credit cards. 

I confirmed the holders of the debt and reached a settlement with them.I paid a negotiated price on XXXX XXXX with two separate companies. One company by debit card and one by check over phone. I got confirmation for the debit payments XXXX XXXX and on the check by phone XXXX XXXX. The amounts were XXXX, XXXX, XXXX, XXXX, and XXXX. 

Once I got these letters I contacted USAA again. After being on hold for over 30 minutes they said they had to send it to some back office and there was no way to expedite or check up on the processes. They gave me a time frame of 2 weeks for this to be updated. 

During this time I submitted for a rapid rescore. Having given permission to USAA to share my information with all 3 credit bureaus on my initial phone call as advised there should have been no problem. The rapid rescore comes back and says that I must call and give permission. I tried again and my credit still reflects these balances. 

The rescore did nothing. It has now been 6 weeks since paying and receiving letters stating these accounts are resolved and settled in full. 

I contacted USAA again before escalating to this level. I was transferred multiple times and when it sounded like I may be on the right track I was to be transferred again. Instead I was hung up on. I called back AGAIN. I requested to be transferred to the department was met with an astounding array of security questions that I even did not know some of. Was told I needed to be transferred placed on hold again. Hung up on again. I did not want to go this route but this appears to be my only option. USAA up to this point has been an amazing organization and I believe in their philosophies. This is ONLY to do with their 'charge off ' department. 

**Please note that some of the documents are password protected. The password is XXXX
I called the company servicing my loan XX/XX/2016 to find out what options I had concerning delaying my payments b/c I just had a new baby. I spoke to a representative and she told me to send in my XXXX tax return and that until they figured out my new payment amount my load would be placed in a hold or pause status. I sent in the required information as requested. Later I found out that the information I was given was incorrect when I applied for a credit card. I was denied for the credit card so I look at my XXXX app and discovered that my perfect credit rating was no more. My credit score had dropped from XXXX to XXXX. I called the servicer of my student loan and was told that the information that I received was completely false and that there was no such thing as a pause or hold. I wrote a letter to the servicer demanding that they remove all of the late payments due to the wrong information I received from their representative. They did remove some of them. When they did not remove all of them I wrote them a second letter demanding that they remove the other late payments. I called for an update on the XX/XX/2017 and was told by a supervisor that they were not going to remove the other late payments even though she admitted that the representative gave me false information which let to the incorrect credit reporting that has negatively impacted my life. Me and my husband were planning on buying a new house and now we cant because of this error and the impact it has had on my credit score. The supervisor told me that the only thing they were going to do was file a complaint against the rep and discipline her. This is not enough and I demand that they remove the late payments and if not I 'm in the process of filing another complaint with the department of education and lawsuit. Prior to this instance I was able to get anything I wanted and offered the lowest interest rate available. Now I ca n't get bubble gum on credit. This has devastated my family and I want it corrected and restitution.
Hello. I have been fighting a long hard battle with XXXX XXXX XXXX in terms of XXXX XXXX. XX/XX/XXXX I tried closing my account and was told that with the long battles I had coming back and forth to the gym that I would not be charged again or charged any cancellation fees. The following month, after several failed attempts I got an email from a woman stating that I do have to pay a cancellation fee and that she would terminate my account at that point so I do not incur any other amounts. For months after I received automated emails stating my card could not be charged and time and time again I sent responses to the gym stating that my account should have already been closed. I contacted the XXXX to notify them of the failure to communicate and the failure to follow requests and mistakes that they had continued to make causing me a bad name and credit. I also addressed my fear in getting a possible collection letter in my name due to these large mistakes they were causing. After the XXXX got in touch with the busin as, I was notified that my amount owed was only {$13.00}. 3 days ago I went to the gym to confirm the amount owed and pay the {$13.00} owed. Turns out, the gym stated I owed {$76.00} and some change. Also while in the gym, I was told that they do not send people to collections anymore. Just last night I received a letter from Aldous & Associates claiming to be requesting a debt owed in the amount of {$230.00}. I once again contacted the XXXX to reopen my case and am hoping to get in touch with someone who can clear my case and my credit. I never received a debt collection and now I have one wrongfully reported. I need assistance addressing this and information on any further steps that I can take to ensure safety of my finances and my good name as well as my credit.
I have a a unverified account from FABCO # XXXX. I had previously disputed this account. I have never done business with FABCO. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
My senior year of college, I needed {$18000.00} to financially clear and graduate. Unaware of the dangers, I signed up for a private student loan with a variable interest rate. Again, I had no clue what troubles lie ahead - I just wanted to graduate. I defaulted on the loan and it went into collections. XXXX became Navient and along came the calls. After a lot of back and forth we arrived at a settlement of sorts. Since that time, not one payment has been missed or late. Navient is being sued by the government, so I decided to check my account. In spite of the regular and on time payments, my account said that I was late and that late fees would be charged. The most strange thing, was Navient did register the correct date and the correct amount of my payment. I called Navient to address this issue. The person handling my case was both rude and condescending, when I asked about the contradictory information on my account. After telling me the account would be in collections until it was paid off, I was offered another settlement. I asked for the offer in writing and was rebuffed with " we do not provide anything in writing ''. I told the representative that I was looking at a document on their letterhead, with the reps name and signature on it, which was to function as a contractual agreement. So, I knew that they do provide documentation. In the end, I had to get off the phone due to the representative 's attitude. My account information is still inconsistent though.
On XX/XX/18 I went into the XXXX XXXX XXXX XXXX inquiring about financing to buyout my lease. Since I had leased my Jeep with them previously, I asked what interest rate they could offer me based on an excellent credit score. About a month later I find on my XXXX XXXX that XXXX XXXX XXXX  ran my credit and made 3 HARD inquires that negatively affected my credit score. The inquiries were with XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX. I've contact the dealership numerous times as well as the credit bureaus to have these hard inquiries removed since I did not authorize. I would like to have these removed immediately since they will stay on my record for 2 years.
On XXXX/XXXX/XXXX I sent this company a letter asking them to delete a account showing that I owed a company XXXX I. Paid this debt of in XXXX and they refuse the incorrect info
XXXX XXXX contacted my spouse about a credit card debt in my name only. He is in no way affiliated with this debt by name, address, social security number, phone number nor is he listed as an authorized user on the account. They shared information about this debt including amount owed, days delinquent, and asked him to pay the debt. This happened on Friday XX/XX/2018 at around XXXX XXXX. He was contacted by phone number XXXX ext XXXX.