WillisBack/dataset-financial-user-claim huggingface dataset:
The loan company Specialized Loan Servicing located at XXXX XXXX XXXX # XXXX in XXXX XXXX CO has been carrying my loan for the past XXXX years. I have requested this company to provide me with a copy of all the records and documentation of my loan sinceassuming the loan from XXXX XXXX XXXX. I have submitted XXXX requests in writing, but the company had ingored my request and is refusing to provide the documentation I have requested. It is my understanding that financial institutions are requred to provide any and all documentation of any loan transaction upon request. SLS is completely ignoring me and refusing to respond to my requests. What can I do?
In XX/XX/XXXX, I called XXXX to pay all balances in full through phone, and the XXXX representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : XXXX, Equifax, and XXXX, I have found that my credit reports showed my closed XXXX account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to XXXX and requested an investigation to resolve the issue. In the letter, I provided XXXX with full name and account number. 

On XX/XX/XXXX, XXXX wrote me a letter to request me to send XXXX the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to XXXX to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested XXXX to investigate. 

On XX/XX/XXXX, XXXX responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how XXXX came to that conclusion. 

I do not agree XXXX conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with XXXX tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since XXXX is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request XXXX to notify the XXXX credit reporting agencies : XXXX, Equifax, and XXXX to remove or delete the negative item on my credit report.
Hi, I started a company ( XXXX XXXX XXXX ) with the help of XXXX in late 2015. I quickly realized that the business was not sustainable due to high electric and water costs. Contacted XXXX to stop my service and mentioned I had dissolved my company because I couldnt afford to keep it running. I only had the business for one season and never sold an item. However I paid XXXX for two years of fee because I wasnt monitoring my credit card and was on a mobilization to XXXX. XXXX have repeated contact me to pay my renewal fee and I keep telling them that I dont have a business and isnt even in the states anymore. Ive PCSed to XXXX for over a year now and since they werent able to collect from me anymore, they have submitted my name to a collection agency ( Caine & Weiner ). 

Caine & Weiner XXXX XXXX XXXX. 
XXXX, TX XXXX Phone : ( XXXX ) XXXX Website : XXXX Email : XXXX Can you please help me? This is clearly fraudent actions. How can XXXX continue to try and charge me when I dont even have a business and have been out of the country for a while now. And how its so easy to submit anyones name to a collection agency?
Communication Tactics may also apply. 
Made an attempt to pay off an eviction claim from XXXX by calling Hunter Warfield. Since I am trying to pay off a huge student debt and all of the costs associated with being evicted due to health problems that started in XXXX, I offered {$50.00} a month. The representative said that this was good and that after the first year they would re-evaluate my case and see if I could pay more or possible give an offer to charge off. The phone call was interrupted and mysteriously dropped. When I was able to speak to them again I was told the {$50.00} would not work and it would take ten years to pay off and that I could send payments in to an address at XXXX florida XXXX To Account # XXXX. But that was it. No cards, no bank routing number, no agreement of any kind. This not only seemed like a " bait and switch '' tactic but it also left me with a sense that the representative was trying to squeeze more money out of a budget that does not even allow me to keep a roof over my head in my own name. I am extremely concerned that there would be no paper trail as I currently do n't have checks.
I'm looking to have XXXX XXXX  CREDIT CARD remove any disputed information from my credit report. I am no longer disputing this account ( it still shows the account is in dispute ). Can this company please remove this language from my credit reports? I've asked them time and time to remove them, but to no avail.
On the XXXX XXXX I received a refund from XXXX XXXX XXXX. The refund deposit showed up but nothing in my balance. I do n't have access to the money. 

My son sent me some money on XXXX XXXX. I 'm a senior and needed help with the rent and groceries. The deposit showed up in my account but did n't show up in the balance. I ca n't transfer the money to my bank. I 'm filing a separate complaint for this. 

PayPal claims they have a " glitch '' that started on the XXXX, is still going on today the XXXX and may take another 24 hours to fix, if not more. It is hard to believe that a banking organization ( holding company so they can get around US regulations ) does n't have a backup system, or several. 
Tried calling them and get someone in XXXX who says she ca n't do anything. Her supervisor says he ca n't do anything and he says his boss ca n't do anything. The boss is n't taking calls. 
Domestic or International? Money transfered from one US location to another. However, ALL the customer contact is overseas which makes me think this might be International
I purchased two pair of XXXX sandals online from web supplier. Did not know from website that supplier was based in XXXX. I received cheap vinyl sandals very different from what I ordered. I repeatedly corresponded with web supplier who refused to send correct order unless I re-ordered again ( for 30 % discount ) Then I reached out to Bank of America, my XXXX company for help. BOA did not help. Instead they asked that I send proof that merchandise was not authentic. I contacted XXXX Consumer Care by email, sent them photos of my cheap sandals, to which they emailed me back. They agreed this was not their merchandise. 
BOA is now stating they want a second opinion letter from another qualified merchant who must physically inspect the merchandise, state that he has expert knowledge and explain how he is able to determine the merchandise is not authentic- all on corporate letterhead.
In response to CFPB:XXXX This dispute is not about my XXXX.Validation of people using my information is not a proper investigation, do not just put into XXXX. I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. when making a dispute no number needs to be provided. you have an address to respond to or a cfpb portal response. whatever previous address you have for me was a fraudulent address, if you can kindly provide that address, i can do a proper investigation of my own.
My mortgage is owned by XXXX, we have painfully dealt as best we can with all of the shenanigans our lender has stuck us with over the past 10 years. XXXXGreentree&gt;Ditech, A XXXX company.  We have battled almost every step of the way when my husband was XXXX in XX/XX/XXXX.  Now we are in foreclosure again due to a modification trial payment mishap which now has us devastated and in fear of losing the one thing that we have worked so hard to keep since purchasing in XX/XX/XXXX.  I've tried calling my "acct rep" multiple times, left many messages, emailed a request for them to call me, and have called the main number several times with no success getting someone to help us.  My calls going unanswered and ignored have me furious and suspecting that we are being mistreated in every possible way.  Like many others I've read about dealing with similar problems with this company, I feel certain these are not simply "isolated cases" and certainly no accident.  I want to keep my home and they don't care to help properly. They've changed my account number multiple times, and assigned me many different reps through the years, now I feel I'm falling on deaf ears.
Dear Sir/Madam : I have attached an Equifax report where Equifax has 2 Hard Inquiries from XXXX XXXX XXXX  showing negatively on my credit history. I have been issued a Credit Card by XXXX XXXX XXXX by my Hard Inquiry [ Item no. 1 ] in XX/XX/XXXX, while other two records of XX/XX/XXXX & XX/XX/XXXX are  showing wrongfully and were Not done by me at all. 

XXXX XXXX XXXX has cleared those two information from their record upon making a phone call to them. Equifax resented to clear them off of my credit record despite my request and also calling several times. Equifax employees were been rude and didn't help to escalate this to proper authority to review this. This is an usual practice by Equifax. They have call centers offshored to other countries and always act arbitrarily without checking with proper protocol or decline even to help settle wrong information containing in credit history for remediation. 

1. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks 2.XXXX  XXXX XXXX   XXXX Inquiry from XX/XX/XXXX All Banks 3.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX At this point I observed Equifax is practicing extreme unfair and also retaining some records that are inaccurate and past the statutory of time record retention guidelines for credit reporting or for proper reflection of some one 's credit report. 

They are always holding wrong address, outdated and information that shouldn't have been in the credit record. Their dispute department do not cooperate to take requests as well. 

I have observed news in Social Media and News of their data breach and other wrongful practice on credit record retention policy from FCRA and other regulatory agencies. 

Please review and reply your course of action toward Equifax malpracticing of credit record publishing to inquiries. 

Thank you very much.
I applied for a home mortgage with Wells Fargo bank, the process started on XXXX XXXX the banker agents in charged of this loan were XXXX XXXX, Home Mortgage Consultant Fax:XXXX Office : XXXX Ext:XXXX XXXX, NMLSR ID XXXX and XXXX Mortgage Processor ( Lo ) Office:XXXX Ext : XXXX XXXX NMLSR ID : XXXX. The process was slow because I could n't find a house for the amount I was approved for, first I was approved {$350.00}, XXXX however i found a house priced {$230000.00} and with a {$11000.00} down i was putting and a negotiation with my attorney i received a credit from seller which made the loan amount to go down to {$200000.00}. The bank requested a lot of documents to verify my income, and everything they asked me for i submitted it to process the loan, I have gotten several commitment letter from Well Forgo stating i qualified, the only reason the real state agent gave me show me the houses were because i had a pre approved letter. The bank consultant requested to do an appraisal in the house i gave them my credit card paid for it and it was done under the assumption that i had the loan and i also paid for the house inspection. i spend the appraisal money and house inspection money because the bank reassurance that i would have the loan to buy this house. Wells Fargo for five months made me spend money for the appraisal, i paid an attorney fees, put a down-payment and for {$2500.00} down to start up the contact, i rented the place where I 'm leaving now and i packed all my staff, consulted a house insurance and changed my car insurance to be with the same as the house Wells Fargo approve the loan for until the beginning of this month XXXX they at the last minute denied the loan because according to XXXX and XXXX my income Ratio was to high. My confusion is that since day one they run my credit report and seem all finance they knew what i had from the start why putting my hopes high and allowed me to spend money in appraisal if they knew i would n't be able to get the loan. i want an investigation to be done and my money to be returned. I did everything they asked me for and participating providing all my finance information they reassurance by giving me commitment letter and at the last minute they back-down.
I have disputed the balance with   XXXX   and Honor  Finance s everal times. My balance for a vehicle that was included in bankruptcy is still showing as  XXXX . My balance should be {$0.00} due to discharge of a bankruptcy where the the balance of this vehicle was included. I am requesting them to update this amount to {$0.00} immediately it is affecting my credit.
US Bank loan # XXXX receiving my monthly payment of XXXX every month for the last ten years check send auto pay from my XXXX XXXX XXXX auto pay by check.two last payment XX/XX/XXXX and XX/XX/XXXX checks was send and delivered as schedule US Bank did n't received the checks because US Bank change their address.without advising or forwarding request. When I notice the issue I did contact US Bank and corrected the address and request US Bank from now the amount will be withdrawn directly form my bank.I am requesting to remove the negative report from my record ASAP.
I receive refinance information multiple times from my mortgage processor caliber home loans. I am interested in short refinance program FHA loan and this offer ends by the end of this year. I found a lender willing to do the loan but because caliber has my information false they have me delinquent in XXXX even though I was not and they have me as having taken out a second Lian even though I have not because my home has been upsidedown since I bought it in 2006.
I HAVE A WALMART CREDIT CARD WITH XXXX   INSURANCE. I SUBMITTED A CLAIM USING MY PERSONAL MEDICAL INFORMATION XX/XX/XXXX. MY DOCTOR WANTED TO CHARGE A FEE THAT I CAN '' T AFFORD DUE TO MASSIVE MEDICAL BILLS. THE PERSONAL MEDICAL INFORMATION SUBMITTED CONTAINED ALL PERTINENT DATES OF MY XXXX. CARD SECURITY ( XXXX INS. ) CLAIMED MY CLAIM WAS INCOMPLETE BECAUSE THEY NEEDED A DATE FOR RETURNING TO NORMAL ACTIVITIES. MY XXXX IS ON-GOING. I HAVE XXXX XXXX AND I AM STARTING XXXX XX/XX/XXXX. THE QUALIFICATIONS FOR FOR THE CLAIM IS : XXXX  THAT LASTS MORE THAN 90 DAYS. TO FILE WITHIN A YEAR OF DIAGNOSIS, TO BE UNDER A DOCTORS CARE. 
THEY HAVE NOT PAID MY DEBT CANCELLATION INSURANCE INSURANCE AND I KNOW THAT I QUALIFY. I HAVE NOT HEARD FROM ANYONE SINCE THE CLAIM WAS SUBMITTED.
There were two transactions processed for a bill normally charged ACH monthly that were not supposed to come out for {$43.00} and {$50.00}, overdrawing my account. Upon checking with the bank, overdraft protection was enabled and pulled out four transfers to my checking account after specifically turning this feature off. Bank of America informed me I would be charged {$12.00} fees for four transactions, totaling {$48.00} in fees. I will also be charged {$35.00} for each transaction that overdraws my account and there is a {$63.00} hold on my account for something not disclosed to me by Bank of America ; they have no idea where the transaction is coming from or what it is.
I am on a Trial Modification Program, which started with an XXXX letter stating that if I made my XXXX payments in a timely fashion I would receive a modification interest rate of 3.97000 % for XXXX years. 
The payments were made on time. However, the most recent loan modification letter from Ocwen states that there is a " beginning '' interest rate of 4.5000 %. That is inconsistent with what was XXXX promised and the verbiage " beginning '' leads me to believe that this is an adjustable rate. 
We requested they honor the original terms they proposed and they recently came back and said that was a misprint. 
We ask how is it that a financial institution finds it acceptable to send out a binding document, XXXX that we both have been following for the past XXXX months, and when it comes time to confirm the final agreement, renege on the originals terms proposed by saying it was A MISPRINT? 
We would like to request that Ocwen cease the unjust practices with us and follow through with the original terms.
Subject : Credit Fraud Protection -- On XX/XX/XXXX I bought my Car Finance Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I have Auto payment SetUp with XXXX XXXX XXXX. 
Monthly installment directly deposited to XXXX XXXX XXXX on last week of every month. 
Monthly Installment {$790.00} Total Paid Amount : {$19000.00} No billing Statement received by XXXX XXXX XXXX. 

Without prior notice or any communication the XXXX XXXX stop taking the Installments from my Bank. I been trying to contact with the XXXX XXXX to understand the situation but unable to contact. 

On XX/XX/XXXX early morning I found my car is missing. I reported the Police as my car was stolen. And with the help of Law enforcement agency I later found my car was towed away by the Finance Company and getting ready for re-sale. The repositioning authority did not co-operate the situation. No letter or further was provided by the authority as of today. 

The huge emotional, social harassment and inconvenience is not acceptable to any customer. The is against the business ethics and violating consumer right. Please help and take necessary action. This will completely ruin my credit line.
On XX/XX/XXXX I submitted a modification package to Nationstar Mortgage. I was assigned to a single point of contact at Nationstar. On XX/XX/XXXX I was informed that Nationstar had received all the documents except for XXXX items which were the rental receipts for the rental property and the mortgage statement for my primary property. These items were sent to Nationstar on XX/XX/XXXX. On XX/XX/XXXX I was informed by Nationstar that they did not receive these documents and the file had been closed. The items were sent to Nationstar by email to XXXXXXXXXXXX and I received a verification email from them that it was received on that date. 

The documents were immediately sent back in and the case was reopened only to be told a week later that it had been denied because the investor who owns my loan does not do modifications for rental properties. Why did Nationstar Mortgage make me go through all the motions of sending in all my documents, asigned a single point of contact and have numerous conversations with me over that time if they were going to only end up denying the loan modification. 

The property is almost 200 % underwater with it only being worth {$520000.00} and I owe Nationstar over {$800000.00} for the property. The very fact that I still want to continue making payments to them when I will probably not have any equity in the home for years to come shows how committed I am to keeping the property and maintaining the payments. 

I was also told that investor is an anonymous entity that I can not even have the chance to appeal my case to and that is why I am turning to the Consumer Financial Protection Bureau to investigate my case.
I was attempting to move money from my PayPal account this morning to my PayPal pre-paid card. This action was unsuccessful though I had funds in my PayPal account. I signed into PayPal and saw a note that the funds in that account were being held and that their system identified another account with a debt. This is the first time I have been told of this and found out not my a formal letter, nor any other communication until I received an email later on this AM. I contacted them concerning this " other '' account and requested that information be provided to be in written form, and requested that my account be released. After being bounced around from limitations to the other office I finally was able to have a CS fill out a fraud claim. I informed them that 1 ) the XXXX informed me three years ago that my identity was stolen ; 2 ) I am a former XXXX on XXXX was was informed in XXXX that my information had been hacked. I also noted that I needed the funds to purchase my medications this afternoon. I was told that my case was being expedited and after a review they may release my money. If they were able to not do whatever they do, I would have no recourse legally. First off I was denied a formal letter with information to be able to review and dispute. Secondly, I was not given any notice or time about this. Thirdly, PayPal uses some algorithm which they do not share or do they provided to a consumer in written mailed out form. And lastly, the hold a consumer 's funds on the basis of this system and are not willing to provide the consumer anything about the situation. At this time I am waiting for PayPal to honor their promise to review, contact me, and lift the limitations on my account which not only apply to my funds, but by bank debit card, and another card which I am unable to anything with that information. In other words it they have taken hostage of my financial records and without due process of the law ; in some sense this action can be seen as harassing the consumer as it is a non-verbal threat in order to make the consumer pay a debt that they may or may not owe.
I am a XXXX and I have a client that was purchasing a home. They went to the internet and were looking at lenders and happened to see this lender on XXXX. ( I had given them 2 or 3 names to  call ) Anyway he contacted this lender called Southwest Funding and he sent them a pre-approval letter and told them the docs they needed to send him. We wrote an offer on the same day which was XX/XX/XXXXthe buyer proceeded to send all the docs the lender asked for. Closing date was originally set for XX/XX/XXXX, we had to extend and extend it as the lender kept asking for other docs. The lender knew there was to be a gift letter so they waited until after the 2nd extension on the loan to even ask for the gift letter and it took them 2 days to get the form for it to them. Also they said they had to verify where he had worked two years before his last job by phone although they had his tax record, a copy from the IRS and his W-2. They also failed to sent them an estimation of the cost ( formerly know as a Good Faith Estimate ) from XX/XX/XXXX until XX/XX/XXXX. ( This is a violation of the FHA regs ) When the house did not appraise the seller agreed to the sell the home at the appraised value we then changed the sales price, got the docs signed and sent to the lender and they never sent another estimation of cost. Southwest Funding ( XXXX XXXX, owner and loan XXXX ) told her verbally on the phone she would have to have {$3100.00} to {$3800.00} at closing, then we got all of that worked out they then said the lender told them they needed to bring another {$1600.00} plus payoff a credit card. This client had done everything Southwest Funding had asked, had paid for an appraisal, home inspection, credit reports and had to extend their temporary living arrangements several times to the tune of approximately {$1200.00}. When I spoke to XXXX XXXX to ask why they had not been more forthcoming with the information he was very rude and offensive. He has not followed the guidelines set by FHA nor has he been honest in his efforts to get this loan done.