WillisBack/dataset-financial-user-claim huggingface dataset:
Today I received a fraud alert. When trying to resolve the Issue with the 3rd World country in XXXX they refuse to transfer me to a U.S. representative. I asked to speak to a supervisor and the people in XXXX refused to do so. I asked to cancel my card but they refused to do so. I explained that I will NOT give them pertinent information in fear of fraud and they refused to help! I don't know what to do anymore. There is too much fraud due to 3rd World representation to save $ . The American people are suffering from lack of quality control. XXXX XXXX has instructed XXXX to refusal of U.S. help. I do NOT trust my personal information to be in the hands of a impoverished country with no moral compass. When will this stop!? The timeswere XXXX and XXXX onXX/XX/2018
Currently with Ditech Mortgage company - pay one month in advance on mortgage payments. Ditech shifted internal mortgage account numbers and when did, the new statement showed payment due one month prior. Representative stated that instead of payment applied to future month and additional principle, XXXX % of it was applied to principle. This is a no-penalty advance pay mortgage contract and we are quickly approaching the 'late fee ' date with funds not being reallocated as indicated on the coupon and as requested for the last 3 weeks ... multiple supervisors spoken to and NO ONE seems to want to take responsibility and call back. PLEASE HELP!!!!
My name is XXXX XXXX XXXX. I send in my information about my mortgage and how XXXX XXXX and Ocwen is doing Fraud on my mortgage. I never heard back for consumer Financial If you find any thing that can help me save my home. my number is XXXX have about month before I 'm on the street
I requested for " Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development '' following FHA reporting guidelines. 

This is referred to as Final Settlement Statement ( i.e. HUD-1 and/or HUD form 27011 ) where the detail breakdown of funds distributed is disclosed with transparency to HUD, an official Government Agency. I requested this in my original complaint filed with CFPB but to no avail from XXXXXXXX XXXX XXXX. 

The response provided by XXXX XXXX XXXX is " This is a Conventional Loan. '' The Servicer simply sent a report of their internal accounting but that's not an official HUD/FHA disclosure.
I recently filed a chapter XXXX Bankruptcy on X/XX/2017. After American Express was informed of the filing they disputed all the charges that I have made 6 months leading up to the filing. These charges range from gas station purchases, dining, utilities etc. I called and tried to speak to AMEX about the issue and no one wants to assist or help me. This practice is unlawful and I need to know what to do in order to resolve this matter ASAP. My internet, cable, and cellphone have been disconnected and the accounts are pending disconnection. Can someone reach out to American Express on my behalf and have them retract these disputed charges that has been wrongfully executed.
My credit report from Experian has a wrong address listed on my report. I reported that I am not and have not nor never been associated with the address of XXXX , MI XXXX or XXXX. They sent me a report back with the same address listed on my report but with an additional address that is not associated with me XXXX, MI XXXX. They sent me credit report back with the same addresses that are not mine, still on my report.
XXXX   XXXX   XXXX    XXXX  balance I have disputed this numerous times with the credit bureaus and their response it that the account belongs to me. That is not what I 'm denying because I paid it off. I have asked them to delete this off my credit report and they are refusing to do it. I would like this taken off my report because there 's no need for it to be there. I no longer has possession of the car. Have n't had possession of the car in over 4 years.
On XX/XX/XXXX I received an alert that my XXXX XXXX XXXX XXXX was 30 days late. I 've verified with XXXX  that the account is not 30 days late. XXXX also advised that they did not report this information to the credit bureaus. I believe this was intentional act by the bureaus as my son is involved in litigation with the bureaus. The has caused me financial hardship as I needed to open an account but with a 30 day late mark on my credit file I was denied.
I was last seen at this XXXX 's office in XX/XX/XXXX. I paid the receptionist for the first time with cash rather than a check. My appointment was covered, the fee I paid was {$50.00} for missing an appointment, even though I had called ahead as required. Not wanting to take time to dispute the accusation, I paid and was not given a receipt. 

On XX/XX/XXXX, I received a late fee charge from XXXX XXXX 's office claiming I had not paid that final fee. I sent a letter back, after several unsuccessful attempts to call the office. I explained that I had paid in cash and given the full amount. I received no further communication and believed the matter resolved until collections opened an account on XX/XX/XXXX. 

This matter has been very frustrating to deal with. The lack of availability to speak to anyone in the office is making the process much harder. Because of this fee I am accused of not paying, the doctor has refused to release my health records, which the XXXX XXXX XXXX has requested numerous times from the office. Without those records, I am unable to receive confirmation of a diagnosis I was given in the military and it is stalling any assistance from the VA. 

Thank you for reviewing this matter.
The company is trying to collect debts they claim are mines and refuses to send enough information I requested so I can move forward to settle the debts if they are mines. I fax the two times. and wrote complaints two times on cfpb to resolve the problem hoping they will comply with me threw this site. Still, the refuses to do so. to my knowledge the debts are not, mines and they may remove the debts they can not provide more information about from my credit report NOW. they have flagged the account on all three bureaus as like this is a game damaging a person credit for something the refuse to provide when the documents the original creditors gave them are sitting on their desk. The told me to go and actually do a run around for something they can scan, print and mail out or reply to my complaints on XXXX. I am injured and I have told them that. The place they claim I have look it up and it is out of my county. Again I will dispute this with the credit bureaus with the same documents requested. they have 30 days to send me those documents so I can handle my the debts are trying to collect if it is true it is mines. They are the ones reporting it to my credit report and they are the only ones to remove it from my credit files. Also they can provide me a contract signed with the original creditor stating that I will pay the debts. And the last statements from the originals creditors showing the dates and how the amounts are total. the amounts XXXX  are trying to collect has the same amount {$980.00} for three accounts. I want the to make me believe the debts are mine. Sorry for the hard time but im not paying for something that is not mines. Thank you.
When I go online to sign into my  account with Wells Fargo Bank, they have a credit card advertisement for a {$200.00} bonus after spending {$1000.00} with the new card. I found it very tempting and applied online. They responded 'pending ' after I submitted my application. Then I received their letter of disapproval of my application. The reason they gave me was I have 'no consumer accounts with Wells Fargo ' . I have an account with them sin ce 1967.  Ca n't they find me in their stupid system?     I believe they deny my application is because of my last name and my age as well as they are stingy about their {$200.00} bonus. What kind of stupid reason they conjure up to deny me credit -- not a WFB customer? I hereby request that they triple check my account with them and give me some better reasons for disapproval or simply approve me.
To whom may I concern. 

Around XXXX 2015 I got behind in my mortgage payment do to a laid off work. I was trying to have my lender to help me with the late payment witch they did, but it was one late payment, they did refinance the loan and put the payment to the loan. and it was a first tryout for Three months until the process was done.. 

But my problem with the lender is they keep reporting late every month for the time of the process begin until the new loan started, now I carry almost six late moths in my credit report, I cant get them to change that information, they just wont do anything else I have no other options but just keep with anger and frustration with my lender company with is PennyMac ... 

is hard to get a reasonable loans with options of higher interest rates, thanks to that. 
I wander if is anything the I can do to have my lender stop reporting inaccurate information, or if the information is accurate if so, how can I fix that in my credit report.
XXXX is reporting and collecting to collect wrong amounts on Loan XXXX that was loan XXXX transferred from Bank of America for servicing. 

The loan amount that was due at transfer was XXXX. 

XXXX needs to delete the credit line from my credit report because there should be no collection activity on a loan that was closed on XX/XX/XXXX be the predecessor, Bank of America, and reflects a XXXX balance. 

I 've attached the most recent update from Bank of America referencing loan number on XXXX XXXX, 2016. The XXXX updates the aforementioned loan 's status. 

XXXX need to correct the XXXX, XXXX, and XXXX report to reflect the same data as their predecessor, Bank of America. 

There has been no activity on the account since the transfer to XXXX ( ie no payments or payment agreements ). 

I am communicating via the CFPB because XXXX 's collection Law firm ( XXXX XXXX XXXX ) will not return my calls. Therefore, communicating via the CFPB seems to be the most effective.
See attached letter. This matter has not been resolved. They are now saying I owe them from XXXX/XXXX/2014 to present and added over {$6000.00} for escrow. They have changed my payment without cause. I do not understand this.
On XX/XX/2018, at approximately XXXX XXXX, I attempted to open a checking account at the Chase Bank branch located in the XXXX XXXX store in XXXX XXXX, OR. 
I was asked for 2 forms of identification, which I provided, plus my Veteran 's ID. 
Everything was proceeding fine, until XXXX, the lady opening the account, asked me why I was opening it, and I mentioned that my youngest son was investing in crypto-currency such as Bitcoins, and wanted me to invest as well. She immediately told me that because I mentioned that, I could not open the account after all. I told her that did not seem right. 
She went to talk to her manager, who came over and told me the same thing. She said that it was their policy not to issue accounts to be used for Bitcoin or other crypto-currency transactions. I asked to see that in writing, and she failed to find it, and seemed to fail to get any verification over the phone.

Then I said, " Okay, I changed my mind, I just want to open a checking account to write my son a check. '' I was still refused a checking account because I had mentioned Bitcoin purchase before. 
I felt discriminated against, embarrassed, and angry all at the same time. My oldest son, who is also a Veteran happened to be with me, and witnessed the event, and was also shocked and amazed.
After making a purchase with my XXXX XXXX XXXX credit card on XX/XX/XXXX for {$43.00}, I paid the purchase off as well as any late fees in full on XX/XX/XXXX which amounted to {$100.00}. The company continued to charge my account interest and late fees without notifying me of any activity on my account. I had not made any purchases using the card after the initial charge on XX/XX/XXXX. This is because the company had failed to send me a bill for that charge or any information about how to pay off the card, which is why I accrued late fees and did not pay until XX/XX/XXXX. I was weary of the company 's credit policies and decided to no longer use the credit card I had with them. Regardless, the company continued to charge me these late fees and minimum charges without notifying me of the charges on my account - their records show no indication that I ever received any information regarding these charges aside from ONE bill that finally came in XX/XX/XXXX to the amount of {$89.00} which was a result of the minimum charges and late fees that they had been charging my account. The company has acknowledged their mistake and said that they would report the error to credit agencies for the month ofXX/XX/XXXX However, this has been going on since XX/XX/XXXXand my credit has suffered since then at no fault of my own. I would like the false delinquencies, starting XX/XX/XXXX, to be removed from my credit score. The files I have attached show the account statements proving this fact. For the statement of XX/XX/XXXX, it is clear that I made no purchases but the company still charged me minimum and late fees.
They told me that my payments on a XXXX loan would be {$250.00} per month for 7 months, They email me the documents which showd the 7 payments, After they took antother payment two weeks later, I called and they said my payments were actually 14 biweekly payments of XXXX  each. Reviewing my loan documments shows that these addtiional bieweekly payments were grayed out. So i did not see them. After making three payments I sent them a letter advsing them that I would like for them to uphold what they told me. They refused to do it.

I have place a stop payment through my bank, and sent Kings Of Kask the following : XX/XX/2018 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, WI. XXXX Kings of Kash XXXX XXXX XXXX XXXX XXXX, MO. XXXX RE : Account # XXXX Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer and by checks : This revocation applies to any and all future debits.

If yo would like to re-create the terms of the agreement please contact me by writing.

Sincerely, XXXX XXXX
Somehow " XXXX XXXX '' obtained my ex wife 's cell phone number ( we 've been divorced 7 years ) and has contacted her at work, asking her to have me contact her at XXXX. After a quick bit of research, it seems that many people have had the same calls/complaints.
I sent 2 round of dispute letter to XXXX, XXXX, and Experian to send me verification and validation of 3 charge off accounts I found on my credit report they refused to comply with my request.
I received an unrecognized charge on my account on XX/XX/XXXX. I called to report the charge on my Barclaycard CashForward card. They investigated the charge and determined it was a " chip read '' card present transaction. It was billed as a hauling and towing service located in XXXX XXXX. I had made no such charge in XXXX. I was not in XXXX on XX/XX/XXXX or, for that matter, since XX/XX/XXXX. They were not able to provide receipt copies or other information pertaining to the charge. I have no record of making a charge for any such towing or hauling services either in XXXX or in my home state of XXXX where I was on XX/XX/XXXX. They closed the investigation and determined it was my responsibility. Neither Barclay nor MasterCard appear to have any responsibililty for providing evidence that a charge is legitimate. I take efforts to manage my credit carefully and now am placed in a position of paying for a charge that I have no record of making or face derogatory reports on my credit history if I choose not to pay it. Unacceptable. Merchants and the bank processors need to have responsibility in verifying charges.
I borrowed {$750.00}, and to date have paid back {$1800.00} and still owe {$3700.00}. Would this lender be considered a predatory lender? How is it legal to charge someone that kind of interest on a loan. If I continue to pay this loan out, I will end up paying {$5600.00} for a {$750.00} loan.
To whom it may concern, Several years ago I took out a line of credit home equity loan from Wells Fargo Bank to perform home improvements on my prior home in XXXX, XXXX During this time my family and I moved from XXXX, XXXX XXXX, XXXX for a job opportunity. During this time we were unable to sell our home and it was foreclosed upon. At the same time I filed for Bankruptcy that which included the line of credit loan, which appeared to have been assigned to a XXXX law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Subsequently my children and I moved back to XXXX ( XXXX XXXX area ) in XXXX XXXX and continued to pay the BK amount for the year. Subsequently, I received a letter which informed me I was not paying enough and the BK was being withdrawn. The amount owed for the WFB account was XXXX {$33000.00} ( which is confirmed on the XXXX website ). In XXXX, I received a letter from a XXXX court informing me a court order of garnishment for XXXX {$100000.00}. I have requested an accounting of the amount they have listed to validate/confirm the amount. XXXX XXXX XXXX XXXX letters have been sent to XXXX XXXX XXXX without any response. 

There are several issues that are quite unclear. 
How can a court rule without notifying me of a hearing date and then pass judgement? 
How did the outstanding amount go from XXXX {$33000.00} to XXXX {$100000.00}? 
Why have they not provided me with an accounting? 
I do not live in XXXX and have not for several years, should this not be handled in a court XXXX? 
When I moved to XXXX the court that handled the case was in XXXX and the reason I was given was because this is my place of residence. Now that my place of residence is XXXX should it not also be handled in the state of residency. 

Please help me in getting a response and a new hearing to validate the outstanding amount.
This account was never late or past due. This account was paid on time, every time XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 051 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance {$19000.00} Monthly Payment {$550.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I was charged two {$34.00} overdraft fees from Chase on XX/XX/XXXX, one {$34.00} fee on XX/XX/XXXX, and then an extended overdraft fee of {$15.00} on XX/XX/XXXX. 

Beginning on XX/XX/XXXX there was an available balance of {$34.00} in my account. On XX/XX/XXXX an ACH charge went through for {$47.00}, which brought my account down to XXXX. After this, another ACH charge of {$29.00} went through which then brought my account down further to - {$42.00}. In response, I was hit with the two back to back overdraft fees for {$34.00} each, bringing my account down to - {$110.00}. On XX/XX/XXXX another ACH charge of {$13.00} hit my account bringing it to down to - {$120.00}, which triggered another {$34.00} overdraft fee, bringing my account down to - {$150.00}, before being hit with the extended overdraft fee of {$15.00} on XX/XX/XXXX, bringing my account balance to {$170.00} before I obtained enough funds to cover the negative balance. 

I immediately called Chase, but was informed that I had reached my annual fee reversal limit, and that I could not have these fee 's reversed until XX/XX/XXXX. When I asked if they could simply waive them early due to the severity of the situation they declined. I waited a little while longer to call as I believed I could get a manager on the phone to waive them as I have had done multiple times in the past. However, I was told that this wasn't permitted but that I could try going into a branch to " have them waive it there ''. Why would they tell me to go into a branch instead of doing it themselves.This is an obvious case of " the run-around. '' Chase never called or notified me about my negative account status except by email, which is not checked everyday. I received no call from them or even a letter. Rather, Chase just continued to let this happen so that they could rack up more fees. This is a predatory banking practice that should not be permitted to occur. A policy is a policy, so why am I am being told of possible ways to get around it, only to be told no once more. This only breeds false hope, which is extremely unethical behavior and a waste of my time.
This is a fraudulent account. Ive never done an business with XXXX XXXX XXXX. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with PORTFOLIO RECOVERY ASSOCIATES several times to no avail. PORTFOLIO RECOVERY ASSOCIATES refuses to provide me with the documentation Ive demanded them to provide me with, PORTFOLIO RECOVERY ASSOCIATES, refuse to remove this account out of my name and off my credit report.
A XXXX called my mom 's home number advising her that I need to contact him immediatley or they are going to garnish my wages and take monies out of my bank account. He left a phone # with an ext., so I called the number and a man answered the phone so I asked for ext.? and he said this is that ext. I advised him I was returning his call and gave him my name and he went on to state I owe {$1000.00} towards a Tribute credit card from XX/XX/XXXX and how do I want to pay it. I advised him I needed something in writing showing I owe this money to Tribute before I pay anything and he became exsremely billigerent towards me threatening to garnish my wages because he knows I owe it. I advised him that I dont have a Tribute credit card on my credit report in collections and he said there company hasnt released it yet and that 's why, so I told him at this point it 's been 7 years and they could n't go after me legally anyway, but I would be willing to pay the {$300.00} he first offered to settle with me if he emailed me the information I was asking for, but he started yelling at me and wouldnt let me explain anything. He said he didnt have time to email me that information, so because I couldnt speak I just hung up the phone. I was in a car accident in XX/XX/XXXX and had to have extensive XXXX in XX/XX/XXXX that put me out of work for 3 months, so I admit I wasnt able to pay the credit cards I had at that time but I did end up paying two of them off because they worked with me. I have never been spoken to like that by any other company represenatative in my life. He was a complete bully and I have been in tears all day because Im scared of the situation. Please help me with this.
Nelnet continue debiting my account after the loan was paid-off. They overcharged my account by {$400.00}. They claimed that it will take them 4-6 weeks to refund me.
This is for a phone bill that I do n't believe I owe. When I first received notice I wrote them and asked what it was for and proof that I owed it. I received no response. I am unable to find my original letter that I sent. However if whoever this is that is damaging my credit report can prove that this is legitimate bill I would gladly pay it. I would like this damaging information off of my credit report. 
Thank you.