WillisBack/dataset-financial-user-claim huggingface dataset:
I have never been so humiliated and disgusted with any housing business as I am with Fairway Independent Mortgage Corporation at this moment. The XXXX TX branch have one of the nastiest and hateful persons working on loans right now and it makes no sense. I closed my loan with Fairway in XX/XX/2016 and they sold it to a bank, fine no big deal. My monthly payment did not change. Last week I receive notice from the bank that my escrow was short almost {$900.00}, so I call the bank and they tell me that some taxes were not inclusive in the escrow. I call this lady XXXX at Fairway to get some assistance with this because I am confused. I have owned XXXX homes and never has an escrow account be so out of balance and it did not make sense. She was nasty from the start, not trying to hear what I had to say. I asked her to call the bank because they had two separate stories ands told me that was above her job description and she was not going to call the bank. At this point I am telling her how unprofessional she is acting and just forward me documentation of what she was saying. She hung up on me. Then I emailed the guy who actually did my loan and I cc 'd her explaining everything to him. She responds, thinking she is sending the email to him, but accidentally sent it to me calling me " XXXX '' I respond telling her she sent that to me and calling me out of my name was not only unprofessional, but not to be tolerated. She never even apologized for getting caught doing something this unprofessional. She then later emails me in response telling me " if I had any kind of decency, I would not have emailed her manager since he was just out of XXXX. '' I had no idea he was in XXXX as he emailed me this weekend in response to my question regarding this. XXXX is the most unprofessional, rudest, insensitive person I have met at this company and shame on you # Fairwayindependentmortgagecorporation for allowing a person with such a nasty attitude to have access to clients. Is this what you think of your business practices? With this being sad, anyone who chooses to use this company, asking for XXXX is a HUGE risk.
XX/XX/XXXX I received a notice from my bank " You are among a group of members who will receive a restitution payment due to one or more requests you made to dispute a payment between XX/XX/XXXX and XX/XX/XXXX. At the time you made your request, there is a chance your request was not handled properly. '' iao {$180.00} this has not been paid as of yet but that is a separate issue ( the payment I mean ) ...

The Current issue is related, a dispute for credit/refund not given by an offshore Rental Car Company "  XXXX '' on XX/XX/XXXX when I cancelled almost a month prior was never refunded by the company. I've been back and forth with my bank USAA since, they've apparently had ongoing " dispute department '' issues ( as have I with my bank ) over the years for inconsistency on notices and refunds in the past. I currently still have a XXXX XXXX XXXX  complaint open on this charge ( which I was charged again today after " dispute review '' on the 3RD TRY submitting documents with ZERO NOTIFICATION. They just charged me again with no notice. I have also emailed and been in correspondence with the CEO of the bank informing them of the incompetencies of that department, apparently with little resolve. 

Please advise, and thank you for your time. 

Sincerely, XXXX XXXX
XXXX XXXX closed a credit card for lack of use, No Foul. then sent a derogatory report to experian credit co. I asked the XXXX XXXX why they did this, they could not give me an answer. soon after this my credit score plenished. my XXXX XXXX account was lowered from XXXX XXXX to XXXX XXXX. My XXXX XXXX account was suspended. I wish to file a complaint on both companies. would you provide the name of a good lawyer to look into this?
I was renting an apartment, and I missed the last payment to complete the 12 year contract. This was in XXXX XXXX, and I now live in XXXX, XXXX. I received this letter from a debt collector, which is triple my final rent payment, plus attorneys fees. This debt is from XX/XX/2011. Also wanted to mention, I was harassed by the management, due to my upstairs neighbor who called the police on me every night saying I was being loud in my home. Most times they showed up I was not even there. This lady didnt like young people living under her, and was trying to get me kicked out.
I have requested on 3 different occasions to have XXXX accounts deleted from my credit profile. The credit bureau continues to report them despite inaccurate information. XXXX XXXX and XXXX were never authorized to obtain credit file or insert items to credit file under any circumstances.
This collection agency has entered a negative account on my credit report with all three bureaus. The address listed on my credit report for this agency does not match the licensing information on file with The Florida XXXX XXXX XXXX XXXX. This agency is in violation of Florida Statute 559.547 which states " 559.547 Void registration. ( 1 ) Any registration made under this part by any person or commercial collection agency based upon the presentation by such person or collection agency of false identification or information, or identification not current with respect to name, address, and business location, or any other fact material to such registration shall be void. '' As such, their authority to collect in Florida is void, and this agency is illegally pursuing collection activity
WELLS FARGO DEALER SERVICES MADE A HARD INQUIRE ON MY CREDIT REPORT AND I ASKED FOR PUT OF THE HARD INQUIRE BUT THEY HAVE FAILED TO DUE SO
I sell on XXXX, and answered XXXX XXXX, with good commission on sales. They wanted me to sell high endmerchandise like expensive cameras and laptops. The first things I orderedfrom them were turned down by XXXX which should have been enough prooffor me, but I believed their excuse that they system made an error, andtried using paypal with my next order. I felt protected enough by paypalsbuyer protection and my sales person said to send it throughbusiness/services. Well, when it came time to send the money and ship Idid this ( for XXXX ) for XXXX laptops to ship. My salesman got back to meand said paypal put a 21 day hold on the money. He coerced me into sending via XXXX option instead, so he refunded the money to me to send that way ( with no or limited protection ). I was so freaked out that I would have mycustomers wait 21 days before their items shipped that I went ahead andsent him the money this way. It took me XXXX days to get tracking numbers. 
The first tracking number worked, but the other XXXX were invalid. After afew days my first customer received his package, but instead of a XXXX. 
laptop he found a cheap cell phone case. After confronting thesalesperson, he admitted the other XXXX had not been shipped and that '' shipping made a mistake '' with the first order. Ever since he has beenmaking excuses about why he ca n't refund the money. I have recently movedto a new area and XXXX income has been a large part of my income since I amunemployed right now. If I will have to cough up XXXX, I will be livingin the streets, cause I just do n't have the money! The salesman I deltwith is XXXX XXXX, email XXXXXXXXXXXX, andthe pay pal address was XXXXXXXXXXXX. 
Please help me with this. I have email copies and other evidence that mayhelp, please let me know what you need.
I bank at XXXX XXXX and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XXXX XXXX and XXXX of 2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XX/XX/2018 were still there reporting. To add insult to injury, two more key derogatory marks were added for XXXX and XX/XX/2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting XXXX XXXX but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say XXXX XXXX is verifying the account. I just want to buy my home.
Company is sending me a collection notice from an closed account from 2003. Statue of limitation in the State of California has been more than 4 years.
Williams & Fudge just attempted to contact a family member residence to request information pertaining to XXXX XXXX XXXX, consumer, however, consumer XXXX XXXX XXXX answered the residential phone and asked what the business matter was in regards to and the representative XXXX indicated that she could not disclose. Therefore, it was suggested that XXXX not contact family members again as I have no business matters that I use family members address or phone number ( s ) for. It is believed that after reviewing the webpage for Williams & Fudge that this matter is related to XXXX University and the complaint should be associated with XXXX. XXXX University additionally contacted XXXX XXXX XXXX  on XXXX XXXX, 2017 via personal email to fill out additional paper for financial aid, however, the consumer has not done so. Additionally, I was charged a graduation fee and I do n't see or have received a letter telling me where to pick up the diploma ( Tennessee ).
My house is in foreclosure at this time Loancare send all my mortgage payments back. I usually paid my mortgage through XXXX XXXX. My payments from XX/XX/2017 got rejected and sent back to XXXX XXXX without any notice to me and been there ever since. I tried calling a few times to get help and had no luck am scare to lose my house.
XXXX XXXX RAN MY CREDIT TWICE WAS SUPPOSED TO SOLF XXXX AND EXPERIAN ERRORS.
I went into the Citizens Bank in XXXX. Located at XXXX XXXX XXXX XXXX XXXX to see about banking rates because as you know I have had allot of problems with XXXX. They are right across the street from XXXX. When I walked in a was welcomed by a XXXX XXXX XXXX she is suppose to be a XXXX Banker XXXX ID # XXXX XXXX # ( XXXX ) XXXX Fax # ( XXXX ) - XXXX When I asked about there banking I was not going to take out an account I just wanted to know rates and she said let me check your credit she said you qualify for a credit card with a {$4500.00} dollar limit she said we are running a promotion right now and there is 0 % interest for the first year on what ever you spend although you have to pay this off within a year. She then said do you have any other credit cards that you owe money on. I said yes I do owe a small fee of a few hundred dollars on a XXXX XXXX XXXX XXXX credit card. 
I asked her again I said are you saying I have to pay no interest on this card with Citizens bank for the first year she said again XXXX I am XXXX telling you the truth this lady XXXX XXXX said no its our promotion and its for the one year no interest at all on the card. Even on purchases she said although there maybe a small fee to transfer the funds over to this account I said ok let me think about this and call my bank so I did and I told my bank XXXX XXXX XXXX XXXX at XXXX and explained to them about this offer and to not cause any problems I said Citizens bank is running a promotion for one year on all transactions with 0 % interest and I would like to take this offer. They said watch out there is most likely a fee to transfer the funds over to them. I said they said it would be a small fee. So I called XXXX XXXX XXXX and said I will do it if it is no interest for a year lets go ahead and do this she said there is a fee of {$49.00} dollars to transfer the funds to this account. I said ok are you sure there are no fees for a year she again said yes no fees although again she said get what you have to with our card and make sure you pay it off within a year and then cancel it is exactly what she said. So I transferred the {$450.00} dollars over to there bank and I did some transactions for about a month on some things I needed. I then wanted to see my statement and when I looked at it today I seen a interest charge of almost XXXX dollars already. I was really shocked when I called the bank and asked for a manager and told them what are you doing this is suppose to be interest free for one year. This is what XXXX XXXX said. They said no its a 17 % interest charge on all purchases now I flipped out. I said who would transfer funds pay a fee and transfer from a card that 's at 4.99 % to a card at 17 % right there they gave themselves away I really do not care anymore I have had it with this abuse. This women pulled criminal act upon me and I am not happy at all. I am enclosing a snap shot of my statement and you can see the part were its says interest charges. 

Regards XXXX XXXX
Chase bank : Claim XXXXI noticed my funds were low on Chase app and is when I seen a large withdrawal on XXXX/XXXX/XXXX for {$200.00} and {$100.00} on XXXX/XXXX/XXXX which is not mine. I called Chase bank on XXXX/XXXX/XXXX, submitted claim for those first two and hung up. Then I started backtracking and seen other smaller amounts and called Chase again and added those to the claim and is when the bank rep and I counted a total of 11 transactions between dates XXXX/XXXX/XXXX through XXXX/XXXX/XXXX for a total of {$1000.00} at the same exact ATM machine, and most took place between XXXX XXXX XXXX. At first it was small amounts so it was n't noticeable, so the last two larger withdrawals is when I took notice. I do n't withdraw cash from a Non ATM because of the steep bank fees. I was given credit for the full {$1000.00} on XXXX/XXXX/XXXX, but they reversed the credit on XXXX/XXXX/XXXX, the reason : because it was done at an ATM machine and my pin was used. I had no idea how this took place being that the my debit check chip card was on me at all times and I do n't give out my pin or write it on my card. I called Chase and was told I would have to prove where I was when transactions were taken out. I can not prove where I was at XXXX XXXX I filed a police report on XXXX/XXXX/XXXX, report # XXXX with Officer XXXX XXXX with the XXXX XXXX CA police dept. I also filled out an Identity Theft Victims Complaint and Affidavit and got it notarized and faxed to Chase on XXXX/XXXX/XXXX. I might also add that the Police Dept. is who explained to me what skimming was since I was unaware this was possible. Chase claims department kept giving me run around and would give me different dates to follow up on my claim since according to their claims rep, they were backed up. As of today, XXXX/XXXX/XXXX, they sent me an email denying my claim again, even after submitting all necessary documents for full investigation. I 've had the same bank account for over 20 years and I have never had anything like this happen. I am saddened and in shock that a bank that I pay fees to every month, does n't care about their clients even when its clear that these withdrawals were fraudulent.
Since its inceptionI have been cheated by Option One, AHMSI, Homeward residential and ultimately By Ocwen, I even HAd XXXX of AHMSI employees XXXX XXXX admit I was defrauded after he viewed XXXX different mortgage analyst look at my info and they both came up with conflicting views even though they both worked for AHMSI.Curently Ocwen has refused to give me a modification always requesting the same info even though it was faxed on numerous ocassions and even mailed, See document for fax log and you will see large amount of faxes going to a XXXX exchange in XXXX and XXXX showing the info did get to them
I open an account saving a checking with USSA and insurance policy auto and rental. I was given a price and provide all the document they requested. I have an honorable discharge and provided everything the military issuse to prove your status and they refused to accept my documents and closed my accounts. Two months later they made a transition on my credit card to collect a payment. I didnt give them authorization to take money since it was closed. They have failed to reimburse me for money and still have not gave cause for denying me service. In spite of them having all the documents proven I was a veteran and they still refused to accept it. I want my account reinstated and full amount refunded back to my account.
While checking my Equifax credit report I came across several hard inquiries that I DID NOT authorize. 

These are three of the ones that I did not authorize. Oddly, they all have the same date All of these have the same date of XX/XX/2016. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Auto Finance company changing loan and payment dates to credit bureaus ( all three ). Loans is over 8 yrs old and was due to drop off report. Finance company changed dates to keep them on m y report for another 2 yrs. Filled complaint with XXXX to no avail, even though they know this loan originated in XX/XX/XXXXand was due to drop off in XX/XX/XXXXthey are not dropping the loan
i owe money on an old Sallie Mae student loan. I have n't kept up payments i am a section 8 and food stamp recipient. I hear so much about student loan forgiveness but I havent obtained any direct information. My loan balance upward {$11000.00} and constantly going up due to the interest and penalty fees. It has been in default for over 7 years. How can I find outif I qualify for for student loan forgiveness also why has n't my account been tagged for student loan forgiveness. i have so much debt and i really need to get my finances in order now.
Freedom mortgage has failed to pay my property taxes for XX/XX/2016 to the XXXX county treasurer. I know have a delinquent tax notice out against me when I have done nothing wrong as it was suppose to be paid from escrow. Freedom mortgage, has been extremely difficult to work in getting this situation resolved. They are stating they will not have resolution until the end of XX/XX/XXXX which is unacceptable since I have been working on this for almost a month when I found out. I need resolution of this as I pay my bills and have done nothing wrong. Freedom mortgage needs to take care of their mistake.
on XX/XX/XXXX, I cancelled my XXXX  XXXX acct. and my discover card. XXXX had a XXXX balance and XXXX XXXX billed it again. I have talked to XXXX XXXX  and discover constantly since XXXX. They both continue to bill me and have reduced my credit rating from XXXX to now XXXX and my balance with interest and charges is XXXX. I sent copies to XXXX XXXX by fax to a XXXX and she said that was all she needed. She is now asking for all the bills from XXXX to the present date XX/XX/XXXX again. I appreciated the use of XXXX XXXX when I had no cell phone service. I moved last XXXX to XXXX and have cell phone and internet service now. From the time I cancelled XXXX XXXX and discover, I have not used the discover card at all!!. Discover gives me the run around and so does XXXX XXXX
There are accounts that are negative and collections on my Equifax credit report. These same accounts were reported to XXXX and XXXX both XXXX   and XXXX completed the investigation of the items disputed and they were removed from my credit reports deleted completely. Equifax however has not deleted them. Has completed the dispute and all is still on there. I can not access Equifax online at all because the information they have for me doesn't match their records. I have sent them a copy of my DL social and utility bill reflecting my current address yet they do not update it. In fact I don't even know what they show for me because I can never pull any info because it is so inaccurate and doesn't not match XXXX or XXXX or any of my actual true current info. I have tried calling them multiple times never can get them to correct anything and who I have spoken to I'm always told about half way thru the call they are sorry to call back later their system is down or some other reason for me to call back and start over again. It's rediculous and alot of creditors unfortunately use Equifax as their basis for awarding credit I have been denied because my score with them is so low compared to the other two plus the information is wrong. They don't even reflect my current good standing open accounts it's rediculous they are even in charge of this and have control over my life when they don't do things correctly or accurately
Coinbase has locked me out for several days from their platform and does not allow to withdrawal my investment. Contact them after the requested a document for proof of address and ID verification and still no resolution after 5 business days.
On XX/XX/XXXX a friend recommended that I use XXXX to send her money that I needed to pay her. I used my XXXX XXXX app to send the money since it is sent with XXXX. The only information that was needed to complete the transaction was her name and phone number ( XXXX XXXX / XXXX ). The next week, on XX/XX/XXXX, my friend asked me to contact my bank because the money wasn't transferred to her. When I spoke to XXXX XXXX, I was told that the payment was completed and that my friend would need to speak directly to XXXX because it might be a simple solution where she would just need to verify some information. Later the same day, she told me that XXXX recommended for me to cancel the payment so the money will be refunded back to my bank. Afterwards, I contacted XXXX XXXX to request the refund but I was denied that request because the transfer showed complete on their end. They recommended that I have my friend contact XXXX. I emailed XXXX to inquire about the missing transfer and was told that no information on my friend 's account could be provided to me so she would just have to contact her own financial institution. She contacted her bank on XX/XX/XXXX and they requested a trace or tracking number. I spoke to XXXX XXXX and they couldn't provide a trace or tracking number but promised to open up an in-depth investigation along with a proof of payment. Finally, on XX/XX/XXXX I received two letters from XXXX XXXX stating that they completed their investigation and considered the matter closed. I took my frustration to XXXX and wrote about my experience with XXXX. XXXX support asked for my information so they could look into my concerns. When I finally got a response from XXXX on XXXX, I had spoken with my friend to confirm which bank she uses. It was that day that I realized that XXXX doesn't even offer services with the bank she has an account with. When I relayed this information to XXXX Support on XXXX, they advised that if that was the case, the money should've been refunded back to me within 14 days. At that point it had been more than a month. When I asked for more assistance on where the money was, they stated that they could only assist with transaction used on the XXXX app ( I used XXXX thru the XXXX XXXX app ). On XX/XX/XXXX, I decided to reach out to XXXX again and emailed them from their previous response. I advised them that my friend uses a bank that they don't partner with and requested them to provide proof that the money was transferred to my friend or refund me the money. They replied stating that I can cancel the payment if it is still " pending '' or I would have to request a reversal with my bank. I replied back stating that the transaction was already completed and my bank, XXXX XXXX, refused to refund it since they considered it transferred. 2 days later, I receive a response from XXXX stating that they recommend my friend to verify that she enrolled using the correct information, etc and AGAIN, I would need to reach out to my own financial institution. My final email to XXXX was on XX/XX/XXXX and I have yet to receive any response from XXXX.
Capital One is blocking 3rd party apps from accessing my account. When I spoke to multiple customer service agents and supervisors and they said that there is nothing they can do.