WillisBack/dataset-financial-user-claim huggingface dataset:
I placed an offer on a home for sale titled to XXXX Bank. Included with my offer was a {$2000.00} escrow check and a pre-qualification letter from my mortgage broker. My offer was countered, we countered back and during that time multiple offers were received. We were informed best offers were to be submitted to the listing agent by XXXX on XXXX/XXXX/2016. At approx. XXXX on XXXX/XXXX/2016 we were informed that, " All prospective buyers to obtain a XXXX XXXX Loans Pre Qualifiction letter prior to accepting an offer. Please contact XXXX Loan Consultant XXXX XXXX, XXXX # XXXX XXXXXXXXXXXX Phone XXXX Purchaser can obtain any financing to purchase home. '' Wait ... red flag!! I already have submitted a pre-qualification letter. Why am I required to get have XXXX pull my credit? I do n't want to do business with them and I feel uncomfortable giving my social security number to this random person when I am not interested in obtaining credit with them. Is this the listing agent trying to give her loan company business? So, immediately I call XXXX XXXX twice. I left XXXX message. I contacted my mortgage broker who was able to provide me with a pre-qualification letter {$50000.00} higher than my offer to justify that I was able to afford my offer. My real estate agent was informed at approx. XXXX that an offer had been accepted by XXXX Bank and Trust. Wait .... Red flag?? To have an offer accepted I needed to talk with XXXX XXXX, but he had n't called me back. How could this be? At XXXX XXXX XXXX called me back to get my social security number and run my credit ( I did not inform him that I already knew an offer was accepted ). I explained my hesitancy on releasing my personal information and he understood but informed that he could n't submit the required pre-qualification letter without my social security number. Here an offer was accepted and XXXX XXXX is still trying to obtain my confidential information. In addition, XXXX Bank is requiring this when they already have selected an offer. If I already have a pre-qualification letter how is this legal to require me to obtain another XXXX and if it was a requirement, why was n't that explained in the listing information? It seems that XXXX Bank wanted to accept an offer but wanted to verify that the person could afford it so why ask the rest of everyone to compete? Was this deceptive or discrimination?
While on vacation in XXXX during the first two weeks of XXXX I used my capital one credit card to get some cash advances. 

even though I paid my credit card with all fees at the end of XXXX after my return, again at the end of XXXX capital one is charging me a minimum {$.00} interest charge in the month of XXXX. 

I pay my credit card on time in fact I go online and see what the true debt is, which is much more up-to-date than the snail mail statement which I get. I actually pay more than what each bill is. 

in XXXX my bill was {$2900.00}. I actually paid {$3100.00} because that was what I could see online was my true debt. I did the same the previous month so there is no way they should charge me interest because I took a cash advance the first two weeks of XXXX. 

so in XXXX I paid off my whole bill but I did not notice in the fine print they charged me {$5.00} in interest. 
now this month which goes XXXX XXXX to XXXX XXXX they are charging me {$.00} in interest. 

this is fraud. I 'm sorry plain and simple but my bill had been paid over in above but yet they tried to make me pay first {$5.00} and then another {$.00} this month. they would 've Charging me every month forever just because I got a cash advance. 

I received resolution from capital one and they are returning me the {$5.00} but that is totally beyond the point. they are probably milking millions of people like this. something should be done, and I would like to hear back about what you going to do
On XXXX XXXX, 2016, I checked my credit on XXXX and I had a total of XXXX hard inquiries removed from my report. I checked my account on XXXX XXXX and all XXXX hard inquiries were placed back onto my account without sending me a reinsertion letter as required by FCRA section XXXX. I have been calling Transunion ever since and I 've received no help at all. No one will even transfer me to an American representative or the fraud department. Multiple agents have been belligerent, some have told me that they know what happened but it 's basically too bad and I should simply file a complaint because they will not fix it.
CBNA is showing that I have an account with them and that it was closed as a charge-off after failure to pay in XX/XX/XXXX. I do NOT have an account with them. I have written the company XX/XX/XXXX telling them that I dispute the accuracy as the account is not mine. I asked them to provide details as to the name and address of the person who opened the account. As of XX/XX/XXXX, they have not replied.
I am attaching a copy of the specific page in my credit report as well as the letter I sent them.
between XX/XX/XXXX till XX/XX/XXXX wells fargo fed the credit reporting agencies false information about my actual credit status
I have several loans being managed by XXXX XXXX. All of these loans have been enrolled in an income based repayment plan, according to the rules for Public Student Loan Forgiveness ( PSLF ), for the better part of 6-7 years. During this time I have worked for a 501c and have submitted my Employee Certification Form every year. I make my income based repayments ( IBR ) every month and have not missed one.

However, every month I am sent a loan detail summary and the total payments XXXX XXXX says I have towards my PSLF is inaccurate. Some of the loans show as little as 3 payments, others a bit higher, but none of them show the correct number of payments for the amount of time I have been enrolled in this program.

On XX/XX/2018 I called XXXX XXXX about the incorrect qualifying PSLF payments shown on my monthly statement. I spent several hours on the phone and spoke to a few different employees from different departments ( employee ID XXXX and XXXX ). Ultimately I was told all of my payments would have to be researched and verified against all of the Employee Certification Letters I submitted. I was told this would take about 6 months.

It is now 8 months after I had this conversation. I have received no follow up from XXXX XXXX   and my monthly statements from them continue to show incorrect qualifying PSLF payments. In fact, since my phone conversation, the total number of qualifying PSLF payments on my monthly statement has not changed. Every month the numbers are the same.

It feels hopeless calling this company over and over again, reiterating the same story and hearing the same thing. I feel like this will never get addressed.
I sent money via western union to a relative in XXXX from a local XXXX store in XXXX and the recipient never received the transfer. After many calls and complaints it has been determined by western union the transfer was completed and delivered t o the recipient. However i learned while on a call that someone fraudulently stole the recipients identity and received the transfer. Now Western Union having this evidence will to refund my money. Western Union requested i file a police report, when i went to the XXXX precinct today they told me they could not file a report since the crime did not happen in New York, but rather in XXXX. 

I NEED HELP, XXXX XXXX DOLLARS ARE LOST. WESTERN UNION WONT HONOR A FULL INVESTIGATION, they simply say that protocol was followed by the agents in XXXX and that's that.
XXXX they are trying to collect XXXX from me and I do n't even know anything about these people. And I think this isunfair. I never had a contract with them.
Navient and my XXXX XXXX loans, both offered me a forbearance right after college in XX/XX/XXXX, because I was having trouble finding a job. They never mentioned that their was another option with the federal government called the repayment plans. I found out 3 years later in XXXX by a friend about the repayment plans. By this time thousands of dollars of interest had been accumulated. I feel that if I would have known about these plans it would have been a much better option and would have saved me thousands in interest.
They have violated my rights with harassing calls at my place of work, harassing calls to my family members and friends as well as threatening me on my personal phone. They call all of these places with the same threatening story that I am going to be served at my employer and sued for non payment if I don't pay them by a certain time that day. 

I have requested numerous times to have the information on this debt sent to me in writing so I may review the accuracy and legticmy of this debt. You refuse to give me an account number or any information on this debt. I am hung up on every time I make this request. I am also hung up on when I ask for their contact information. I was only able to get their company name and address by tracing one of the numbers they have called me from. 

They only say the original debt is XXXX XXXX but give no loan number or will not send me any written information on this debt. They say they are a law office hired to serve me on this debt.
I have notice per credit report that XXXX XXXX reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this.
On XX/XX/2018, I submitted to the CFPB a complaint about XXXX XXXX, XXXX ( XXXX ). They attempted to collect an invalid, not owed, debt from XXXX XXXX. In response to complaint ID No. : XXXX : XXXX responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report. 

While XXXX XXXX was unaware of this complaint and its resolution, on XX/XX/2018, it again placed a negative item on my report that had just been removed earlier this year. And XXXX XXXX SHOULD HAVE THE ABILITY to identify recently removed reports and then query the creditor or its representative as to why this item is once again being reported - before placing the recently removed item BACK ON a clients report. 

In other words, XXXX XXXX should ask XXXX : You removed this item in XX/XX/XXXX. Why are you again placing this item on this individuals report in XX/XX/XXXX?
XXXX   XXXX   XXXX  , is attempting to collect a debt that is now owed by me. The debtor has the same name as me, however they have a Texas address. A debt validation letter was sent to Convergent, however they would only provide a statement with a name on it saying the debt was verified. I requested a debt validation.
XXXX at around XXXX i was contacted by Financial Account Services Team ( XXXX  ). I had paid 2 accounts off XXXX XXXX and the rep was telling me the accounts were still open and that i had never made a payment. I supplied her with the Receipt number from where i paid it. She still insisted i owed the money. I asked for a supervisor. The next person on the phone proceeded to say things like " you must be one of those dads who do n't support his kids '' she ended up hanging up on me with other words said back and forth. I called back and talked to rep XXXX at ext XXXX. She quietly told me she over heard the other rep and she was new and she spoke out of line and gave me the owner XXXX XXXXXXXX XXXX name. She also advised me that the money i paid on XXXX was applied to a different debt account that i did n't even know i had and that it could n't be reversed that only XXXX could do that. I called XXXX today XXXX. After arguing with him over the debt he is threatening legal action against me on the debt that the payments were applied to. He did reverse the payment to the correct accounts but is now threatening legal action on account i have never received notice of.
Halsted uses automated dialers to call me repeatedly from spoofed phone numbers. They call & as soon as I answer they hang up. Sometimes they call & hang up as much as 3 times per day. A few of the phone numbers they have used are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Halsted also refuses to give me a mailing address so I may send them a cease & desist contact letter.
Discover repeatedly for months lied to me and stated that my secured credit card would be reviewed and graduate to an unsecured card after being with them for 6 months. I always paid more than the minimum amount due and never paid a bill late. Everytime I spoke with a representative I received contradicting responses. Out of pure frustration of continuously receiving misleading and blatant lies from customer service representatives at Discover I decided to close out my account. I proceeded to apply and receive 2 other credit cards, one with XXXX XXXX and another with XXXX, for which I was approved with a higher spending limit than Discover and unsecured! Fast forward 3 months after I closed out my Discover account I have yet to receive my check of {$1000.00} which was secured deposit funds. I've spoke to 4 different customer service representatives before one of them thought to ask me to verify my address and realize that the apartment number was missing and therefore my check never reached me! I called again 2 days ago and was told a check was going to get re-issued, I asked if it could get expedited and was told that they would escalate to see if possible and to follow up. I called today and yet again a different story! This time I was told that I have to wait for an investigation to see if the first check was cashed before they could issue a replacement check. How FRUSTRATING! When I authorize the {$1000.00} as funding for security deposit Discover did not hesitate to withdraw funds from my account, however now that I cancelled because of misleading and poor customer service and want my money back they are taking extremely long and throwing all sorts of hurdles my way. I would never bank or apply for any services with them. I will make sure I tell ALL of my friends, family and co-workers, heck even strangers I encounter on a daily about the horrible service I received and that fact that no one I've ever spoken to has taken accountability for their company and offered a solution even close to above and beyond. I've never received such poor treatment from any company I've done business with and this is the very reason why I am appalled and in shock that they continue to receive the amount of business they do. They definitely do not put their customers first nor offer one call resolution.
My Husband and I Have a 20 year fixed note and we took out the loan in XXXX and the maturity date is approaching which is XXXX within 4 months to be paid off and we received a statement from Citimortgage saying that we owe XXXX which looks like a balloon payment and its not, it is a fixed 20 year note. 


I spoke with Citimortgage on XXXX/XXXX/XXXX yesterday and the representative that I spoke with said they took out more interest than principal and I asked to speak to his manager and he put her on the phone and she said to me so the explanation he provided to me was not to my satisfactory and I said no and i would contact the COB and CFPB and she said she noted my account with that information as they were no help to me. He also said if we did n't have the {$15000.00} to pay this loan in full in XXXX that we would be directed to a special department who would arrange for payments which will look like it is in a default status and my husband and I have great credit ratings in the 700 score range and that would hurt our credit. Please investigate this as I believe all these years our account has not been handled properly and they applied more interest than what was suppose to be applied?
I have an account with American Express. I rented a car with XXXX on XX/XX/XXXX and returned the car on XX/XX/2017. XXXX charged my account {$160.00} my total rental was {$46.00}. XXXX credited my American Express account back {$110.00}. I called AMEX Authorizations Department on XX/XX/2017 and they stated that the {$110.00} was not credited back to my account. Once again I called XXXX and they stated that the money was returned to AMEX. Now Amex claims everything has been settled with the rental car services but the my money is NOT reflecting toward my available credit.
The included inquiries were found on my credit report. I called Transunion and they have refused to help me. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WI XXXX. Made on XX/XX/XXXX 2 ) XXXX XXXX.XXXX XXXX XXXX XXXX, XXXX , WI XXXX. Made on XX/XX/XXXX. This is stressful as I have tried to go through the proper channels to have this removed and I feel this should be taken more seriously. Transunion calls it a " glitch '' in their system and now will not listen to those effected by it. Thank you, XXXX XXXX
I have been trying to modify my mortgage sine XX/XX/2016 with Select Portfolio. 
Its now XX/XX/2016 and still nothing has been done. I followed there instructions of going on to there website and checking on my status loan and the website does not work If I do NOT call them I have NO idea if they need additional information.I have cooperated by sending them any documents that are missing by uploading them because its quicker and they receive it in 24 hours. I call them faithfully every week and they tell me the same thing that every thing is fine your in review and it takes time. Yesterday I was served with foreclosure complaint for the FIRST time and its not even the intent they went right to the complaint and when you call SPS they have no idea whats going on. 
Im upset because I want to save my house and I have followed there direction followed there rules and they never wanted to help me at all. They lead me to believe that they were going to help me and they had NO intentions ever to help me.When I called SPS and questioned the foreclosure complaint they told me to call a certain number and extension and when I called it turned out it was there attorneys office that represents them. The attorney was rude and basically spoke down to me and he proceeded to say that they were n't going to HELP me and that they were ACCELERATING my foreclosure and with in a few weeks I would have a sheriff sale so I should start looking for a new home. 
Why would SPS do all that and lie to me this whole time. I trusted and believed that SPS wanted to truly help me.
Sin ce Navient beca me my servicer, they have told me that my loans qualified for Income based repayment, which they did and I promptly enrolled, however, since I am eligible for PSLF Navient told that my loans were eligible for that program. Today I was told that it is not the case, and that my loans and years worth of being enrolled on the program will not count towards PSLF.  This took 3 hours and four different people giving me four different kinds of information. Navient should make two years worth of interest payments on my behalf and those two years should be counted towards my PSLF program. This should be illegal and could potentially cost me thousands.
I submitted a letter to Equifax stating the information they have on file is incorrect. Asked for them to send me verification with my signature on XX/XX/XXXX, 2nd letter went out XX/XX/XXXX asking for the informaton again. XX/XX/XXXX sent letter again asking for information along with letter from U S Bankruptcy Court in Texas. No comments on Report except NO tax liens or judgments. On. XX/XX/2016 sent one more letter before I file suit for not receiving written verification with my signature
HI, The company EOS CCA XXXX XXXX XXXX XXXX XXXX XXXX keeps sending me letters when I 've told them over and over that I never had this account with XXXX XXXX XXXX balance at all XXXX XXXX XXXX verified that there is a XXXX balance since XXXX account # XXXX Please get this company to STOP Thank you XXXX XXXX XXXX XXXX XXXX
I am a victim of identity theft. My office was broken into and several identity documents were stolen and have been used to open fraudulent accounts and make fraudulent transactions in my name. I filed a police report after the theft and have attached a copy to this complaint. 

I ordered my Certegy report and found the following information that does not belong to me : Outstanding Items : Date : XX/XX/2015 Merchant Location : XXXX XXXX Amount : {$75.00} Check Number : XXXX Date : XX/XX/2015 Merchant Location : XXXX XXXX   Amount : {$5.00} Check Number : XXXX I have never done business with XXXX XXXX   and I have never been associated with either of these checks.
I applied for a checking and savings account. Additional information was requested to process my application and I never provided that information and never signed anything and never made any deposits. I called and requested my application be cancelled. I was told it was cancelled. 2 months later I receive a letter in the mail stating {$59.00} overdraft fees. I called 2 weeks ago and was told the fees were waived and my accounts were closed. 

I have not received any confirmation about account closure.
On XXXX XXXX, 2015, I contacted Citi bank regarding fraudulent activities and requested to block my account from all credits and debits. On XXXX XXXX, 2015, I confirmed through online banking, the automated voice system from the customer service number and a live representative verified my account was blocked as requested. On XXXX XXXX 2015, my direct deposit was sent to Citi bank and instead of denying the funds to get sent back to my employer, they forced them into my account, which caused {$290.00} of my direct deposit to go towards the fees and charges form the fraudulent activity. When contacting through the phone I 've spoken to many representatives giving me different information, as well as XXXX stating on XXXX XXXX, 2015 at XXXX, that the funds will be forced into my account even If it is blocked from all credits and debits with fraudulent activity. Which is completely different from what every other rep has told me since my issue started. I was told that the block would prevent my funds from being taken by every other citi employee. Since this issue has occurred I have accumulated fees since I have not been given my funds back in a timely matter.
We had our mortgage sold by XXXX to Seterus, They never sent us any information about our mortgage, no statements amount owed or due dates. We called repeatedly and they would not give us any information. Finally we had an attorney call and he got us an address to start making payments to. We have no information on any charges or fees, until yesterday when we got a bill for over 8 thousand dollars due in four weeks. We called and finally a person talked to us and they told us to file for a modification, and maybe we could avoid foreclosure.
I applied for a trial modification and after succesfully completing my trial payments I had an issue where I could not get the final paperwork notarized because my id did not have my middle initial even thou original loan paperwork did not have it. I told my lender about issue I was having, I was told to go apply for a new id that had my middle initial on it. When I tried the dmv said I had outstanding tickets in a different state and had to clear that before I could get a new id issued. I informed my lender about this and was told not to worry, to just keep them informed and keep trying to get issue resolved. I called the state agency I was referred to to clear this issue and got issue resolved and just had to wait for the states to clear up the misunderstanding. When I called lender to give them an update they had already began foreclosure process when they said I didnt have to worry about that. My original loan paperwork did not have my middle name so I dont know why they could not isuue me paperwork without my middle name. Also The fact that I could not get a new id was not my fault as it turns out I had never set foot in other state claiming I owed tickets so I feel I should not be punished for it.