WillisBack/dataset-financial-user-claim huggingface dataset:
I am still tying to get a resolution from Experian. On XXXX of this year I sent Experian a copy of my identity theft police report in reference to Fraudulent Taxes that were filed using my social security number. I also sent them a copy of the XXXX Identity theft form that I filed with the IRS. They responded in Complaint number XXXX with a request to send in additional documentation to support my claim in order to consider to block this public record With XXXX XXXX Courts from my file. I sent them Via Mail a Copy of the letter that IRS sent me confirming the receipt of my XXXX Form I am attaching this letter in the complaint for your records. Still to date Experian has not responded to my request. In the XXXX notice I received from IRS it confirms receipt of my documentation for identity theft and it also states that this matter can take 180 days to resolve. There is no reason that I should have to stay 180 days which is 6 months with this record on my credit profile. I have provided sufficient documentation supporting my claim for Identity theft yet Experian continues to give me a problem in resolving this matter. I have been prevented from purchasing a home because this.
Nationstar XXXX XXXX XXXX and XXXX XXXX XXXX XXXX CA XXXX We started a short sale with Nationstar in XXXX 2016. We have a buyer who is willing and able to close the short sale. Nationstar has put this property through its in-house auction company that it owns, " XXXX '', two times, so that they can gain the 5 % fee they have named a 'Buyers Auction Premium '' fee. Both attempts by Nationstar to procure their own buyer have been unsuccessful. 

Since Nationstar was unable to procure their own buyer and thereby gain the additional 5 % auction charge, they have decided to simply not work on the short sale and instead take it back at the foreclosure auction - which is a month away. 

Nationstar is refusing to entertain the offer by the current buyer we have provided. This offer has not once been reviewed by Nationstar. They have decided this, even though they have ample time to review the offer we provided to them. 


Does the investor know that Nationstar is refusing to review an offer since it was not procured through the auction company that Nationstar owns?
TEK Collections has an invalid collection on my report, I never owed the money they are reporting.
My husband 's debit card information was stolen ( presumably skimmed from an ATM machine ) and then used to make withdrawals of over {$1000.00} from his Chase checking account. When we made a claim with Chase, they declared that the withdrawals were valid -- despite being made in a different part of the country and completely out of line with our banking habits. My husband only makes withdrawals from ATMs a couple of times a year, since we use online banking for almost all transactions, and never in such large amounts. Furthermore, my husband was out of the US at the time of XXXX of the XXXX transactions -- a fact which we provided evidence for in the form of airline reservations, passport scans, and entry/exit stamps from the country. Despite the fact that my husband was not even in the country to make the withdrawals, never mind the fact that we live on the opposite side of the country from where the withdrawals were made, Chase deemed the withdrawals as " authorized. '' We lost over a thousand dollars and have no intentions of ever keeping our money in a Chase checking or saving account again.
Without any notice, Citibank closed and cancelled my Costco Visa Card. I have had the card ever since it was introduced and have had a long and mutually satisfactory relationship with Citibank for years. They somehow received mistaken information that they " previously had to close XXXX or more Citi accounts in [ my ] name '' and that is not true. So they closed this account with no notice and stole all my Costco dollars which I had earned. I would like the account reinstated as it was closed inappropriately and I would like the money I had relied on for my Costco purchases.
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XX/XX/XXXX through XX/XX/XXXX of this  year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
XXXX / XXXX / 2014   TD BAN K OVERDRAFT ACCOUNT ABUSE IS NOT TRUE THIS ACCOUNT WAS PAID THE AMOUNT WE AGREED UPON IN ORDER TO REMOVE THIS ACCOUNT OUT OF COLLECTIONS. SO I DO NOT UNDERSTAND WHY IT IS SHOWING UP AS ACCOUNT ABUSE AND OVERDRAFT.
Two items were placed in dispute from a " XXXX XXXX '' on or around XX/XX/31, amounts of XXXX and XXXX, a total of XXXX. These items are for items not received, the seller is a scammer as I explained to several Paypal reps, one of whom took the claim over the phone. The last rep I spoke with stated the seller provided info showing the items were delivered, which they were not. I have not received anything from this seller and the person communicates only through XXXX messenger, as most scammers do.I have not seen any proof of delivery, there is none.
My mortgage servicing company is reporting that I have not made a payment on my mortgage since 2017. I have been making my payments to them. I tried calling and writing them to correct this but it's still remains the same.
I have invested some US Dollars into some crypto currency, on an exchange called Coinbase/XXXX. They are both the same company. I can not access my coins in my XXXX wallet. Every time I try to login to my account on the exchange it reads " An Error occurred. Please Contact XXXX support. '' I have contacted support many times, but each time they claim to have submitted this issue to a specialist and they will get back to me supposedly, but I still have no reasonable resolution, after more than 2 weeks. I have both some Bitcoin and XXXX   which I would like to take out of XXXX at this time. However, Coinbase/XXXX will not allow me access to the coins. My coins are being withheld from me without my consent at this point. The issue started when Coinbase pinged my credit card multiple times for a purchase I made. This for some reason caused their system to refund my credit card, the purchase amount by accident. The company had a balance due to them because of this error, and has been paid, by me in full. There is currently no balance due. They promised to return my coins, when the balance gets paid, but they have not held up to this promise. My Coinbase case # is XXXX, and my funds have been frozen for an unreasonable time with no explanation at this point.
Evidently I have a freeze on my credit that I didn't initiate. I've tried to contact Experian to resolve it, but couldn't get anyone on the phone. There was only endless automation. I just want the freeze lifted and eliminated.
The XXXXXX/XX/XXXX, in XXXX sent a " judgement letter '' to my home saying I owe " XXXX XXXX XXXX '' XXXX dollars. This was opened ( checked credit report ) in XXXX XXXX?? I never got or my parents, since they get the mail here, and I would have known about this card for XXXX XXXX XXXX. and why now the dispute or this case, which I have no knowledge of. They now put this report into my credit report?? as of yesterday, after I wrote the back and told them this account is NOT mine. and it was NOT in my credit report?? This account was opened in XXXX XXXX, Texas?? I lived in PA at that time. According to the report they added, this was taken out in XXXX of XXXX  I did go to XXXX XXXX that year of XXXX and returned to PA in XXXX?? I have no idea who would open a card in my name. I lost my card there twice! ( in XXXX ) and my phone was stolen as well, and had to retrieve my social security card after I got back to PA. There is no way I could have opened up a XXXX  XXXX XXXX XXXX?? Something I have no idea of. I need the law firm to investigate this since I do not own this card or ever have. I have also a credit card which was never used at a " XXXX XXXX  XXXX '' opened as well?? ... which is not mine, and I never applied for this either. I believe I have been the victim of some stupid identity scam. I reported this dispute with the Credit report companies as a dispute? I know what and who I owe, but not this card or the other
I went in to Arvest Bank on XXXX XXXX in XXXX,, on XXXX/XXXX/17 to open a savings account. Although I have been a customer and have a checking account for several years, I was turned away. The account representative and the branch manager said they could not tell me why other than that they use XXXX and that I am on a no new account list. I called the main office ( XXXX # ) and was not given any more information. I was told that they do n't know why this happens and to call the social security administration. I requested a report from XXXX on XXXX/XXXX/17 and I was furnished with a report dated XXXX/XXXX/17 noting " No Information Found ''. My complaint to Arvest is they should have handled this differently and been able to provide me with information why they were denying me opening a new account.
Citi is not properly handling disputes. I called in and disputed a charge with XXXX. I told Citi that my authorized user did rent a car. That said, I received a second charge from XXXX claiming that my authorized user received a ticket while they had a car. They did not revieve a ticket though and did not receive a follow-up from from the Italian government. Essentially, the charge is bogus. I disputed the charge with some third-world employee at Citi and they said it would be taken care of. I call Citi to get an update and they tell me that they denied my claim because they need proof that I cancelled the service. What? What service? Apparently whatever third world employee took the claim put that I cancelled the car and that was why I was disputing it, which is not true. I clearly told them that this was an ad-on charge for a ticket that never happened. The rep I was speaking with told me the charge would go back on my card anyway and that I would have to make minimum payments until they update the dispute and correct it, which could take business weeks. I said that this was horrible customer service and that I wanted my account closed and would be filing a CFPB complaint. SHE TOLD ME IF I DID THAT THEY WOULD STRIP ME OF ALL XXXX AA POINTS I EARNED WITH THIS CARD. Then once I accused her of retaliation she told me that 8-10 weeks was 18 months. What? So there are two problems here : 1 ) they improperly handled my dispute and refused to correct it in a timely manner and in a way that did not harm me and 2 ) The rep retaliated against me for trying to close my account and filing a CFPB complaint.
My payments are being applied to the interest instead of splitting it between the principal and the interest. My loan has also increased XXXX and there is no explanation.
On XXXX XXXX, 2015, we made application for a refinance mortgage from Ditech Mortgage Corp. They requested documentation which we supplied, and were given preliminary approval. On XXXX XXXX, 2015, at Ditech 's requirement, we paid an appraisal fee of {$440.00}. They then requested more documentation, which we submitted. Today, Ditech informed us we need to show a one-month 's cash reserve of the mortgage payment ( including tax and insurance escrow ) in the amount of about {$850.00}. Since paying the appraisal, we no longer have that much in reserve. Ditech informs us that this is an FHA requirement. That means they knew of the requirement BEFORE they required us to pay for the appraisal, but they did not disclose that requirement. Consequently, we believe we have been defrauded of the {$440.00} appraisal fee, unless they go ahead and fund the mortgage or refund the fee to us.
( 1 ) We are seniors who have XXXX and health issues and in XXXX of 2014 I asked our lender if they had any suggestions/help for us with our mortgage. I specifically said I was not interested in a short sale, nor were we in jeopardy of foreclosure as we have never missed a payment and did not intend to. 
( 2 ) I was sent an application but said on the application I was only hoping to look at options - perhaps a different percentage rate, or possibly just a fixed rate. I tried calling numerous times trying to tell people that I just wanted to talk to someone about my options but no one would return my phone calls. 
( 3 ) In XXXX we got a decline on assistance with our loan and that we were not eligible for FORECLOSURE alternatives. - " Due to the reason I was not evaluated on other criteria ''. I had no idea what this meant and tried to call but my phone calls were never answered. Shortly from the decline we got a letter sending us information on selling our house on a SHORT SALE! I continued to call people and ask them about this correspondence and what it meant but could n't connect with anyone. 
( 4 ) In XXXX I got a fee charge on my mortgage statement of XXXX. I called again and talked to someone who said that it was a mistake and would be removed. 
( 5 ) The next month this fee went up to XXXX and I called again. I finally wrote a letter how unhappy I was with their service and wanted the fee removed from my statement. 
( 6 ) In response to my letter a person called and I asked her to remove the fee from the statement. She said she would have to check into it and see what it was for. Many months later she called and said that the fee was for an appraisal. I replied that I did not ask or give permission for an appraisal nor was I sent a copy of the appraisal which by new laws they must send to me promptly. 
( 7 ) A month later I was sent what they called an appraisal. ( It has now been at least six months later ) It was not an appraisal - it was an exterior BPO and done by a realtor and not a certified appraiser. I have a real estate license and I know that according to FIRREA rules that we can not do appraisals for mortgage loans as this is illegal. It also states that if lenders wish to ensure payment for appraisals they must request payment before. ( Strangely I was studying the new laws of the CFPB for my continuing education in real estate in XXXX. ) ( XXXX ) As I have found out that getting help with mortgages from the government is a big farce I feel I should not have to pay for an appraisal which I was told was a mistake, and which it says right on it that it is NOT an appraisal, and I certainly did not receive it promptly. Asking for help with my mortgage not only has caused a lot more stress for us, but now I have more money to pay and a lower FICO score.
We made a reservation through XXXX we used their special offers where they guarantee that 2 adults will sleep comfortably. We followed the instructions to make the reservation in which we never had the option to ask for more beds or request a bigger room. We kept following the prompts to continue the reservation hoping that we would be allowed to enter the number of adults on the trip, but this never happened. When we finished making the reservation we called the hotel & XXXX within minutes to confirm that we would be able to have 4 adults on this room, however, we were told by the hotel that they could not accommodate 4 people and when we called XXXX they shut us down right away with no options given. This purchase was done XX/XX/XXXX or XX/XX/XXXX. XXXX didn't want to work with us or accommodate us at all. I attached a letter with more detailed information in regards to this transaction. 
That same day I called my credit card company Citi cards and I was told that as soon as the transaction posted to the account I will be able to dispute it and cancel it. That information was misleading ... they provided me with a temporary credit, but at the end they stood up by XXXX and charged me back the total amount of this purchase. I am now writing because I have disputed the charge with Citibank, but they have sided with XXXX because their terms state that the XXXX XXXX reservations through XXXX are non-refundable. It was our XXXX vacation and we went ahead and booked with a different company because citibank assured us that the purchase with XXXX will be refunded, that didn't happened.
I recently submitted a dispute Ag ainst Portfolio Recovery associates about conflicting information posted to my credit report regarding the purchase date of the collection. As a result of my dispute,   XXXX   made them change the purchase date to the proper date. However, without cause or reason Portfolio Recovery Associates has   reopened the collection account to be reported as open as of  XXXX / XXXX / XXXX . This account has been paid in full and closed since  XXXX  of  XXXX  [ please find the attached proof, of my old credit reports vs my new on es ]. There is no reason for this to suddenly be reopened. Therefore, it is my belief that Portfolio Recovery Associates  is retaliating against me for disputing their false information. As a hard-working person with  XXXX  jobs and a family,  Portfolio recovery Associated is intentionally seeking to inflict emotional and financial distress upon me and my Family. I Seek relief and the Maximum  penalties allowable by law.
I have had this loan for several years ; originally from XXXX now PHH Mortgage. I have tried to prepay my loan as is allowed per my original loan and I have been denied. I receive salary payments every 2 weeks and established a direct deposit transaction every 2 weeks coinciding with my pay. I also pay additional funds towards the principal to again pay my loan down quicker. PHH refuses to apply my payment when they receive it rather wait until the payment is full to apply to the loan. I called them an asked them why they did n't apply it to my loan, they stated that their payment system does n't allow it I can select either paying twice a month or once a month or by phone/fax. Those are our options. As of XX/XX/2014 they have now quit applying the additional principal amount that I have been paying.
This concerns case XXXX. We contacted you to let you know that someone at Wells Fargo named XXXX has agreed to review our case again. Today we received a load of documents from Wells Fargo. All the responses given to Consumer Financial by Wells Fargo is false twisted information. It was Keep Your Home California who advised us to contact Consumer Financial Protection Bureau on the State and Federal violations by Wells Fargo. Now Wells Fargo is retaliating for us going to Consumer Financial for help. All the Bank has been saying is very confusing because it does not make any sense. We received Federal help through Keep Your Home California and now Wells Fargo is using the funds as a severe weapon to manipulate us. XXXX XXXX from Wells Fargo got upset because we are using the word blackmail to describe their actions. But we know of no other word that describes what they have done to us so far. All the mixed up information that Wells Fargo has confused all agencies with, we happen to have a paper trail of documents from Wells Fargo themselves that show proof of their illegal activity and their continuous lies and contradictions. Wells Fargo is illegally threatening us with foreclose as we are now in modification. If they attempt to foreclose it will be the second time they break California State law that says a Bank can not foreclose while someone is in the process of modification. But that is no problem with Wells Fargo as they had simply said the first time they done this, " We take no responsibility '', we suppose they will say the same again in total disregard of the law. We do not know what Wells Fargo wants, nobody does! We have fully cooperated to the best of our ability to do what Wells Fargo asks but no one knows what Wells Fargo wants, not even Wells Fargo. We have asked for our rights from Wells Fargo in this case and have been constantly denied. Would Consumer Financial please ask Wells Fargo exactly what is it they want. This has gotten totally out of hand by Wells Fargo. Please advise how we could liberate ourselves from these inhuman representatives of Wells Fargo.
I have an account with XXXX XXXX from XX/XX/XXXX. The loan has been paid in full but is still on my credit report and its XX/XX/XXXX. I will like for this account to be removed it has been paid and is over 8 years old and is a closed account.
This creditor has called repeatedly, from approximately XX/XX/XXXX to XX/XX/XXXX, using a local number, XXXX, to harass myself and my family for a debt of which I have no knowledge, and/or for which is over 10 years old. The last call I received was by an elderly woman who informed me that this matter would be sent to court for collection. 

COMMONWEALTH FINANCIAL SYSTEMS Creditor Information XXXX XXXX XXXX, XXXX XXXX, PA XXXX Account Number XXXX Collection Date Opened XX/XX/XXXX Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX {$640.00} Original Balance
I had a mortgage with XXXX XXXX which ended up with a modification through XXXX XXXX XXXX, which intern sold the mortgage to XXXX.
In XXXX I had to file bankruptcy ( Chapter XXXX ) due to a law suit. The bankruptcy was discharged in XXXX of XXXX, The mortgage was not a part of the bankruptcy and my payments to XXXX were made on time consistently. In XXXX of XXXX I contacted XXXX as I noticed my payments and history were not being reported to the credit bureaus. I told them that the bankruptcy was discharged and was told they have 60 to 90 days to stop the " code '' hold on reporting.
Now I am applying for a reverse mortgage, I can not reach XXXX directly, there is a " code '' on my loan number that automatically transfers me to a third party which will not release ANY information to me, no accounting of my loan, no loan statement nor a mortgage payoff amount, and they still tell me they have 60 to 90 days to change this.
There is NO obvious reason why I can not obtain a written accounting of my loan payments and a statement. The only reason I can envision is they DO N'T WANT ME TO HAVE THIS INFORMATION so the can keep my 40 year loan at the high rate of interest.
This is impacting my credit score and preventing me from getting a mortgage as I need a loan statement with the loan number and the institution to apply.
I got an alert there was a change to my credit report on XX/XX/2018 a CITICARDS CBNA  flagged on XXXX   Account type  Affected by natural or declared disaster balance USD XXXX 
I did not apply for this account I suspect Fraud.
Equifax has an item listed on my credit report this item is from XXXX it is dated XX/XX/XXXX so this item is not mine I never noticed it on my report. Till recently they last reported the item XX/XX/XXXX. This company constantly reports this item once a month causing my credit report to be effected. I asked Equifax to verify this item withing 15 days after the item came back as verified. According to FCRA they never sent me any verified information within the 15 day time frame. They never sent me any information period. I want this item removed immediately.