WillisBack/dataset-financial-user-claim huggingface dataset:
I recently refinanced my mtg from Freedom Mtg to Freedom Mtg. On my closing disclosure, the initial escrow payment at closing does not match what was actually deposited into my escrow account. I called the title company and verified that {$830.00} was the initial escrow payment at closing. Freedom Mtg only deposited {$480.00} which caused a shortage to my impound account, and now they are billing me for the shortage causing my house payment to go up. I have been trying to get his straightened out with Freedom Mtg since early XXXX.
There is an account on my credit report that was opened by someone else not myself. I do not know who that was as I never gave anyone permission to open accounts. I went to the police department and they gave me a police report to help me with resolving this account. I have provided this infomoration to equifax and have asked them to provide me all information and documentation on this account from the source so I can provide it to my investigator but they do not give me any such information and just keep verifying the account as mine. I know this is not what they should be doing. I know they are not even contacting the source and providing them with my police report and circumstances of my situation.
Have a letter from WF branch manager where she admitted that there is no reason for Wells Fargo to not allow an IRS monthly payment to go through their was more than enough funds so in addition to reversing and refunding fees she did that letter for me which I provided a copy to the IRS. I requested that the IRS not deduct or do any type of transaction with Wells Fargo because Wells Fargo is not ethical theyre too busy being upset and obsessed with a VPN and email purchase that Ive done every month for the last two years which is transparent for everyone in the banking system and lawn force meant to say but somehow magically nowadays theyre just not satisfied. That was their excuse yesterday for blocking my account, yet I have photos and documentation and they can NOT explain why I cant use ATMs really anywhere and they hide behind their excuse. Yet their branch manager admitted that there is no reason for Wells Fargo to not allow an IRS monthly payment to go through since there were enough funds in first place. So in addition to reversing and refunding bank fees she did that letter for me which I provided a copy to the IRS. I requested that the IRS not deduct or do any type of transaction with Wells Fargo because Wells Fargo is not ethical theyre too busy being upset with my VPN and email yet I have photos and documentation and they can explain why I cant use ATMs really anywhere and they hide behind that is their excuse. No I guess yesterday they just decided to allow an XXXX payment to go through isnt that ironic because this entire time for the last three months when theyre wet sponge they didnt want to let it go through to somebody else Wells Fargo and they plan on letting me have a normal checking account like everyone else. If by any chance Wells Fargo doesnt know and they cant answer for their actions its OK they can just say they dont know either. Attached is the letter from the branch manager reverse and refunded everything since well and she is a secretary there is plenty of fun so theres no reason why that IRS payment shouldnt of gone through in the first place. So what does Wells Fargo and everyone have to say for themselves, again if they just dont have an explaination, thats OK they can just be like everyone else and say they dont know either. Let me know if you cant be you that letter heaven forbid.
could n't pay the note, once repossessed they added another XXXX on the car so I could n't get it.. they then sold it did not disclosed the amount they sold it for and left me with a balance of {$10000.00} for a {$15000.00} car.
I recently received " Balance Eraser Loan Program '' ID card in the mail. from Arvest Bank. I DO NOT want any prescreened offers sent to me. When I tried to go to the XXXX, they requested my social security number to proceed. Due to recent date breaches, I will not give out my number but do not wish anyone to assume I want unsolicited offers. The information sheet that was sent to me involved XXXX, XXXX, XXXX, and XXXX Consumer assistance. I do not want any offers of credit from anyone. If I want credit information, I will request it. 
XXXX
I have Bank of America as my bank I had deposited a check for {$1800.00} on XX/XX/XXXX they held the total amount until XX/XX/XXXX til XXXX to make sure the check was good the funds were released so I transferred {$1000.00} from savings to checking & paid some bills.My social security was deposited XX/XX/XXXX I paid my bills and withdrew XXXX on Sunday XXXX that was my first transaction.After I paid my bills from SS the check cleared Monday XX/XX/XXXX after transferring XXXX and paid some bills I check my account several times a day to track my balance I saw were my accounts went negative I immediately called the bank they said the check was fraudulent that they recovered {$870.00} now my account is severely overdrawn on savings & checking.They held the check for 5days to make sure it was good now they switched all the account transactions around saying it was released the same day as I deposited it that is not true.It was held 5 days so they can protect me from fraud and they did n't at all so instead of going after the company that frauded us they blame me and switched the account around.I have fraud protection now they do n't want to honor it the bank is committed fraud themselves now instead of BOA protecting me I have to pay all the fraud charges that are accruing every day! They failed to protect my account and me from fraud
Keep calling about a debt they bought from the original creditor. I have no legal obligation to pay them. No contract is validated between myself and Diversified Consultant.
In the month of XX/XX/XXXX I sought out to settle and invalid State Tax Lien with the State of Georgia orginallly filed in 2011. In order to have it removed and " withdrawn '' I needed to settle an amount with them. After this was complete I filed a request with TransUnion to have lien withdrawn ( removed ) from my credit report as it was filed in error to begin with ... However, tranunion did not remove the lien. They actually updated it to only reflect the lien released which lowered my credit score but 26 points! I have tried to call them and speak with them but it was unsuccessful. It is impacting my closing on my home purchase. The State of Georgia is suppose to be sending me a letter but I wo n't get it in time. I need this state tax lien removed immediately. Please help. I will attached the cancellation document I originally received from the state and well as a screen shot of the current active lien listings for the state of Georgia to show that it has in fact be Removed and my name is not on the list. Please help get this fix for me asap. Thank you.
AES Success mishandled my loans in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and consolidated all of my lower interest loans into XXXX higher interest rate loan. 

AES Success also never removed late fees and penalties on my loans after consolidation. 

AES Success capitalized late fees, penalties and interest on interest into the higher interest rate consolidation. 

AES Success also failed to properly account for principal paydowns in years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, when I made multiple payments, most of which were directed toward reducing the principal balance. 

I suspect that my current loan balance is overstated by {$4000.00} to {$5000.00} because of too-high interest expense, because of penalties and fees that were capitalized and because of fraudulent calculation of principal and interest payments. 

I request that the CFPB conduct a comprehensive audit of my student loan accounts with AES Success. I first want my interest rate on the consolidated loan to be changed back to the lower rate initially offered to me by AES Success. My consolidated loan 's interest rate is at least 1 % too high. My rate should be much lower!!! 

AES Success mishandled, misadvised and fraudulently handled my student loan application. I have paid dearly for their unprofessionalism. 

I also want a comprehensive audit to calculate all of the late fees, penalties and interest that accrued on my loans prior to consolidation. I want all of the fees and penalties removed, since they were the result of AES Success ' mishandling. 

Lastly, I want a comprehensive audit to calculate the proper amount of principal reductions that should have occurred in periods where I made multiple payments.
I applied for a Capital One Venture Card and as I received the card in the mail I was surprised to see that my credit score that they pulled from XXXX showing a XXXX as I previously saw it at XXXX. I pull all three scores just to do my own due diligence and noticed that all three show in the XXXX. I call Capital One about the situation and advise me to contact XXXX and to dispute it. I contact XXXX and they advise me Banks are the ones who decide what score they give you that XXXX only gives them you Annual Reporting and that XXXX  doesnt provide an actual score to the banks they have their own system of doing so and to dispute it with the Capital One. I call Capital One back and tell them of my situation and what XXXX has told me. Capital One was quick to say that they pulled my score from XXXX  and that they also look at my other credit score and that could also be what happened. I advised them they pulled my credit score from XXXX and I told them that I also pulled all three credit scores and my credit has never been that low. They advised if they want me to show proof of the score I can but that they will not reduce my APR as Capital One also gave me the highest APR because of the XXXX that I was given. They will only reduce the APR if they do another pull.
Im writing to complain about Bank of America credit card company. I am a card holder with Bank of America specifically XXXX XXXX Mastercard. On XX/XX/2018 and XX/XX/2018 had unauthorized charges totally over 8k. My XXXX  child snuck my credit card and wrote down the information on a piece of paper and began to charge over 30 times to a fraudulant company with out my authorization. At one point the credit card transaction exceeded beyond the credit limit by about 2k. Yet Bank of America continued to let these charges go through with out putting a fraud alert and stop to further use of access. On XX/XX/2018 when i noticed the unauthorized charges I immediately contacted the Bank of America fraud department while the the charges were still pending. I explained that I did not authorize these charges and the situation. Some but not all the unauthorized transactions were disputed and was given a credit of {$6600.00}. I called back the next day to inform them they did not include all the charges. They said they would and it never happened. I get a phone call from a fraud representative on XX/XX/2018 stating that my fraud investigation would be closed and all the credits applied would be reinstated. I asked why the representive told me because it was someone I knew and my own child that it was not fraud. I explained that i read my terms and condtions of my credit card and have a {$0.00} dollar liability towards any unauthorized transactions. The representative then hung up on me. I called back to speak with another representive about the situation and explained I thoroughly reads my terms and conditions of my credit contract and that my {$0.00} dollar unauthorized transaction does not exclude anyone including minor children or whom i know. I did not give authorazition for any of the transactions and that Bank of America was violating my terms and conditions of our credit card agreement. The federal trade commission anda states I am not liable for any unauthorized transactions and it does not exclude anyone. I reported the activity in a timely matter. I also explained that as a card holder i have very limited history of spending period and that based on the excessive charges and amounts to the same merchant and within a very small window time frame to include going over the limit which I never have, they should have protected my account security and done something to prevent this to where it wasnt exacerbated to this extent. As of XX/XX/2018 my fraud claim is closed. I have been charged back the unauthorized charges and Bank of America has not written me a letter of explanation. Although it says in the message center to see attached letter there is none. My account has always been in good standing and being over the limit on my credit card negatively affects my credit score and rating. Once again i did not authorize the charges.
XXXX XXXX XXXX had been trying to collect XXXX to XXXX dollars on a US Bank account I had several years ago that I forgot to close after I moved and was no longer banking with them. I never owed and money or overdraft fees and US Bank was telling me I owed money for not closing the account. When I called US Bank to try and see what I could do to get this off my credit, they had sold the account to XXXX XXXX XXXX This company has multiple complaints with the XXXX for collecting money owed and not paying the debts off. I do not owe any debt! How can I get this off my credit? I ca n't even get a bank account. Please help me. I am a new mother trying to get my finances in order.
Hi, My name is XXXX XXXX I have a car loan with BB & T Bank ( XXXX # XXXX ) and It looks like the interest payment amount keeps going up instead of going down every month. I thought interest payment should decrease over time and monthly payment applied to Principal should increase. However, payment applied to principal keeps decreasing every month. 
This Bank is going opposite I need help.
I fell behind on my mortgage last XXXX. I used all of my saving to pay for my fathers funeral arrangements, but I did n't expect that my business would slow down ( I 'm XXXX ). I have been applying for a loan modification since XX/XX/XXXX with M & T Bank. I have applied and been denied 8 times and every time it was something different as to why I got denied. Each underwriter I have dealt with has requested something be done differently, for example, one underwriter wanted me to resubmit all bank statements because each deposit was n't circled when I had applied 4 times before that with no problems, another one said they could n't use my XXXX account as income because it was n't a business account when I was told in the beginning just to deposit money in my accounts and it did n't matter which ones as long as they could track my income ( and again I had applied before with no one having a problem with using both accounts ). I have yet to be given the correct way to apply because it always changes depending on what underwriter is looking at the application. Up untilXX/XX/XXXXof this year, they were including extra items in my expenses ( such as student loans, etc ) that were not supposed to be there ( because they are not due ), which cause me to be denied due to not enough income. I finally spoke with a supervisor who went over all the expenses etc as to why I was denied. She also told me they were taking out 13 % taxes but I was already taking out my own taxes before giving them an amount. So the following times I applied I sent proof of the student loans not being due and that other accounts were paid off. Recently I was denied again, now they are telling me that the tax rate is 25 % and here again I thought I was supposed to subtract my own taxes but that was n't the case. I am really trying to save my home, I have been here 10 years and never missed a payment until last year. I was still making monthly payments until XXXX when they changed investors and would n't allow me to make 1 monthly payment. I refinanced my home in XXXX and have been with M & T since then but it seems as if they do n't really want to help me save my home. All I am asking is for the past due to be put to the back of the mortgage so that I can continue to keep my home. I just recently submitted a new application on yesterday and hope that it was done correctly because again I have been applying for a year with the same information ( other than my income fluctuating ) and been denied for different reasons each time. I have not been given the proper guidelines as to how to apply and here I am almost at foreclosure. Can someone please help this company needs some consistency within their underwriting department but you 're not able to speak with anyone in that department.
This person from an attorneys office in California is threatening to call HR for my employers if I do n't call him back. The only reason I answered is because I thought it was a job calling that I 'd applied for. He failed to properly identify himself & has an accent that can barely be understood. This message attached is from X/XX/17.
My name is incorrect on my credit reports I also asked that a personal note be put on all 3 creit reporting agencies stateing that in the past 2 years I have been undergoing XXXX Treatments. I am now XXXX free and back to work
Credit institutions reporting incorrect and inaccurate balance information regarding an auto loan listed as mortgage from XXXX XXXX XXXX as {$13000.00} whereas it is {$1500.00}. This was settled by XXXX/XXXX/2016 as shown by attached documents furnished to me by XXXX themselves. I have equally asked XXXX and all the XXXX credit reporting institutions to correct the record in vain resulting into me having to return a leased car as dealer failed to secure a financier due to the inaccurate reporting. Likewise I can not secure funding of any amount.
I was garnisheed by Timothy E. Baxter & Associates for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by Timothy E. Baxter & Associates. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed.
I applied for a loan with mortgage lenders of america with loan officer XXXX XXXX went through whole process pre approval, finding a place, paying for inspection, given earnest money, and paying for appraisal one week before closing date my application was denied because of something in my credit report but they pulled my credit before we begun the process so they already knew what was on there
On XX/XX/2018 I went to the Bank of America ( BOA ) website to check my credit card and saw an advertisement that said BOA was opening branches in XXXX ( my city ) and offering a {$300.00} bonus after meeting the terms of the account. I opened my account and captured a PDF of the exact offer I used just in case. On XX/XX/XXXX, I contacted their customer support team ( via XXXX ) to confirm the offer since I didn't get anything in writing. The customer support asked me to email documentation, which I did that same day ( XX/XX/XXXX ) - this is Case # XXXX. A few days later, he called back and confirmed the {$300.00} bonus. A few weeks later I met the terms of the bonus ( including changing my direct deposit for over {$4000.00} ). On XX/XX/2018, I receive a letter in the mail saying my bonus is only for {$100.00}. I contact the customer support team again and receive a call on XX/XX/2018 saying that I was not targeted for the {$300.00} bonus. I explain that I am targeted and I still see the offer when I go to login to the website, I also tell them about the previous case where I was told this was resolved and submitted the offer. They will not honor the original {$300.00} bonus offer. 

Also, the offer is viewable here : XXXX XXXX XXXXXXXX XXXXXXXX I'm attaching a PDF version of it.
Saturday, XX/XX/XXXX purchased {$4000.00} of bitcoin through Coinbase with an affiliate link that was supposed to give me a {$10.00} credit as well. Today, XX/XX/XXXX we see market value plummeting given their unfair announcements devaluing my purchase. Get canned responses trying to cancel the still pending transaction that was withdrawn from my bank immediately. However, still can not access or trade my Bitcoin wallet to move my funds to a more secure store or market.

As it is right now Ive lost a 1/4 of my investment without the ability to move/shelter or withdrawal it.
I received a missed call from phone number XXXX, when I called the number back a man answered saying " this is ( his name ). '' He would not identify himself further and started typing something. I asked if he represented a business of some sort and he would not answer. He did n't say anything else and told me to listen to my voicemail messages and call him back. When I listened to the messages there was only a man breathing into the phone. 
I called back asking if it was a joke, he got very aggressive in tone with me an would not answer who he worked for because he could n't find my phone number in his system. He then asked for my social security number and refused to identify themselves further. After prodding he finally told me he worked for " Coastal financial solutions '' an internet search reveals complaints that their employees are indeed aggressive and disrespectful, but they all seemed to identify themselves. 
I am concerned that someone is committing fraud as a false employee of the company looking for SSN 's or that I have an outstanding debt I am unaware of. I do not have any dings on my credit report so I am assuming the former. Please let me know if this was a legitimate phone number associated with your company or I 'll be reaching out to the FBI. Thank you.
This account was paid Contacted XXXX XXXX twice for payments arrangements they ignored my requests before it went to collections Contacted collection agency and informed them that I had contacted XXXX XXXX twice to set up payments and was ignored and I would be sending payments directly to XXXX XXXX I started making payments XX/XX/XXXX and paid off the account in XX/XX/XXXX I paid {$50.00} monthly This account should have never been a collection/charge off I made a good faith offer to pay this bill prior to them charging it off I became unemployed but still tried to pay this bill when I fell behind in payments XXXX XXXX ignored my requests I wrote to them and was ignored