WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX  offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither  XXXX   XXXX  nor the  3  credit bureaus (  XXXX ,  XXXX , and Experian  )  will honor removing the inquiries even though I was solicited by   XXXX   XXXX  . The  FACTS stat es inquiries can only be pulled under certain conditions and " firm '' offers are  one  of those conditions. Here is a reference to the code under ( c ) (  1  ) ( B ) ( I )  : 15 U.S. Code 1681b -  Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agenc y may  furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) (  3  ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ;  ( ii  ) the consumer reporting agency has complied with subsection ( e ) ;  ( iii ) th ere is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and  ( iv )  the consumer report does not contain a date of birth that shows that the consumer has not attained the age of  XXXX , or, if the date of birth on the consumer report shows that the consumer has not attained the age of  XXXX , such consumer consents to the consumer reporting agency to such furnishing.
Coinbase ( Coinbase.com ) has verified my identification via my photo-id and everything. I have some of my money stuck in my account because I am not able to withdraw using my bank. They required additional information like my SSN and address which I attempted to complete for the longest time. I emailed them ( over the course of 3 months ) because there are technical difficulties when submitting my information ( they use a 3rd party system to verify IDs ). Their system keeps saying they couldnt locate my id. I just want to take my money out of my account because i literally cant buy or sell on coinbase anymore because of their flawed 3rd party.
Our mortgage for XXXX XXXX is not being reported on our credit report and is adversely affecting our credit scores and causing us to receive higher interest rates on credit cards and car loans. We have previously reported the issue with CFPB complaint number XXXX and this problem needs to be fixed. According to XXXX XXXX customer service they are reporting to the following credit reporting agencies : XXXX, XXXX, Experian and XXXX XXXX but our mortgage is not on the credit report.
My debit card was stolen on XXXX 2010 and was reported to bank of America suddently. Now i have in my public record a judgement ( Bank of america ACCOUNT XXXX Court XXXX cnty reg mi, Filing Date XXXX XXXX, 2010 Amount {$14000.00} ) that is damaging my credit and my life, making impossible to me get credit from any bank agency. i can understand how they paid that amount in a fraudulent transaction if i only have in my account {$200.00} at that time when my purse was stolen with all my documents and was reported inside the bank premise. 
Please I want your assistant in this matter to solve it once for ever. 
Sincerely XXXX XXXX
I find it reprehensible that Bank of America and XXXX are using social engineering to punish legal businesses that deal in firearms. 

For companies that were saved by government ( taxpayer ) bailouts and have substantial government business, they have no right to deny financial services to any businesses that are conducting legal and constitutionally protected commerce.

I will review any future personal dealings I might have with these two banks if they continue their plans to punish these types of businesses and proceed with their unjust intentions.
The Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX was not correct. The statement had a double billing for XXXX XXXX in the amount of {$3200.00} for " Taxes ''. The Ditech error raised my XXXX/XXXX/XXXX payment to {$1900.00}, which is not correct. I contacted Ditech on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for resolution. Noticed a Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX, which stated payment due of {$1900.00} on XXXX/XXXX/XXXX and payment due of {$1600.00} due on XXXX/XXXX/XXXX. I dispute the payment of {$1900.00} due on XXXX/XXXX/XXXX. I assert the payment due on XXXX/XXXX/XXXX should be {$1600.00} and moving forward the XXXX of each month. Contacted Ditech on XXXX/XXXX/XXXX to dispute their second error, and Ditech stated {$1900.00} due on XXXX/XXXX/XXXX and refused to correct their error resulting in the erroneous amount due on XXXX/XXXX/XXXX.
I was previously a student at XXXX university graduating in XXXX. I received a lawsuit from XXXX XXXX trust XXXX in XX/XX/XXXX which I ended up settling with and paying. Now that I look back I do not have any substantial documents regarding my loan or payments to XXXX XXXX. I am reading on the new laws and what has happened in recent years in regards to borowers being duped and having no proof of these loans. Am I eligible for a refund of what I paid XXXX XXXX? I actually settled with a law firm called XXXX XXXX XXXX XXXX on behalf of national collegiate.
I was contacted by the collection agency via mailed letter. The letter did not include the validation of debt notice and it also threatened litigation. This letter was received over a year ago. I responded in writing to inform the agency that they had not provided me with an opportunity to dispute. I also disputed the debt in my letter telling them that when I moved into the apartment the carpeting was soiled with pet stains. I have proof of the communication with the landlord from when I moved in when I notified them of the soiled carpet. I received no response from the collection agency. This collection item is listed on my credit bureau report. I had several conversations and provided numerous emails to the property management company detailing why I should not have to pay for carpet that was not new and already soiled and damaged when I moved in. I have the original emails going back to the time when I moved into the apartment proving my claim. I lived there for two years and encountered several other problems including A cockroach infestation overflowing from a neighboring apartment and regular instances of people smoking in the non-smoking building. I paid a nonrefundable pet deposit and always paid my rent early or on time. I had also paid to have the apartment professionally cleaned through the recommendation of the landlords stress free plan upon moving out. Social media is rife with these types of complaints about this particular property and property management company.
RE Case number : XXXX In this complaint I spoke about paperwork being misplaced, lost and receiving form letter responses from Freedom Mortgage ( FM ) referencing fake extensions and fake names of CSR 's. Every time I have had any communications with FM its been either traceable, provable or with a additional person on the call to verify what I am speaking about is honest. This witness is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. We received a response from FM from a individual named XXXX XXXX through this complaint process. Since the original complaint more paperwork has been lost, and it took Freedom almost 10 days to process last months check ; which resulted in their announcing they will foreclose on this property is all payments are not received by XXXX 2016. Never mind this is part of my complaint they lose paperwork but process checks and then accept zero responsibility. So I put together yet another package and mailed to FM addressed to XXXX XXXX. XXXX XXXX the USPS attempted to get this package to XXXX XXXX, she could not be located. On XXXX XXXX the USPS again attempted to locate her, she was not located and reported back to be as not a individual who worked at FM. Again another check was enclosed in this package and while it was signed for FM states they do not have payment. The individual who signed for this package is XXXX XXXX ; who chances are is another fake name so this company is not held accountable. This all started in XX/XX/XXXX when my well pump and tank quit and had to be replaced. I spoke with the original mortgage company or the one who took care of my loan at the time it was no issue for them ; a few days later FM purchased my loan. Told FM the same story in XXXX was told no problem ; they could see prior to this hiccup I always paid on time via autopay and always paid more than what was due. My credit score in XXXX was over XXXX and since this comedy of errors its under XXXX with the only bad mark is FM and their mistakes. I understand I misunderstood the FM CSR in the original phone call but since then its been XXXX error after another. Now because of poor paperwork handling you can see I who was once a good credit risk can not even get a loan from a loan shark. I have tried to sell items ; I have turned to HOPE and the VA and neither can help since this is not a mismanagement of funds but an error I made to repair a well so I can have water to drink ; yet FM continues to drag this on. In the response from XXXX XXXX she states they need my taxes ; I have not filed taxes in years due to not working and on a VA XXXX ; simply I do not meet federal guidelines to process taxes. My last XXXX I processed while my daughter was still in college I made a minus value in reportable income. I did those taxes so my daughter could qualify for a grant in college. Attached is a letter sent to FM and other supporting documents.
XX/XX/XXXX obtained copy of my credit report.it shows National Credit Systems ( NCS ) balance of {$3200.00} owed to XXXX XXXX, opened XX/XX/XXXX. 
I owe no such debt! in fact, I have legal settlement agreement from XX/XX/XXXX with XXXX apts showing no money is owed and the matter was completely closed. how NCS claims such info is beyond me. 
they refuse to provided any records or explanation for the alleged charges they continue to verify and report to the credit bureaus.. they argue, threaten and demand payment. the account shows like it is new so I have been denied a home loan. this is the only negative account on my credit report. I notified XXXX of the situation and they said they no longer have the acct or records. I can not afford an attorney to fight this. please help.
I HAVE RECEIVED A GARNISHMENT AGAINST MY WAGES THAT DOES NOT BELONG TO ME. I HAVE ATTEMPTED TO OBTAIN A RELEASE FROM THE GARNISHMENT, BUT, THE COMPANY NAMED ON THE GARNISHMENT ( ACTION FINANCIAL SERVICES LLC ), WHEN CALLED, REFERRED ME TO ANOTHER COMPANY, XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I HAVE BEEN UNABLE TO RESOLVE THE MATTER ON MY OWN, THEREFORE, PERHAPS I MAY OBTAIN ASSISTANCE FROM YOUR AGENCY. A COPY OF THE GARNISHMENT IS ATTACHED. 

THANK YOU.
Why does Wells Fargo continue to charge account PMI when our equity is at 67 % ( XXXX / XXXX ) which is far below the XXXX percent requirement? I have sent WellsFargo the formal appraisal but they continue to charge us fees unduly. We have since invested XXXX to change all of the windows on the property. I am asked my lawyer to forward our request for review of this case to the Consumer Financial protection Bureau ( CFPB ). I am prepared to go to court to seek redress if need be. This is wrong and unacceptable. XXXX and XXXX XXXX
BB & T Loan number XXXX. Mortgage was against XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. House was sold and closed on XX/XX/2018. Closing was handled by XXXX XXXX XXXX XXXX XXXX branch here in XXXX . XXXX did the research for payoff as of that date XX/XX/18. The quote from BB & T was {$110000.00}. The last monthly payment was made XX/XX/XXXX for {$950.00}. The payoff came XXXX-18. I was confident that BB & T or their contractor might try and ACH another draw of {$850.00} after the closing dollars were paid. I knew the payoff was to happen 3-4 days before XX/XX/XXXX and they would try to draw that payment so I instructed my XXXX XXXX  to not allow them to draw the monies.. So on XXXX-18 they show that stop payment and then proceed to take away from the escrow due to us in the amount of {$1200.00}. Their records show that they would only be sending {$360.00}. We have contacted them via phone calls and two different emails to a supervisor. He has not even responded to those emails. I attached in those emails per his request our bank statement in XX/XX/XXXX which showed the payment made through ACH. I also talked with XXXX XXXX Monday the XX/XX/XXXX and obtained from them the wire service documentation on the payoff. This is SOP for Title companies on a house closing. I am attaching supporting documents that backs what I'm saying as well as BB & Ts ledger that does the same.
XXXX previously had 3 accounts in my name. All sounds have since be consolidated with another company. XXXX is reporting me late in all 3 accounts from XX/XX/XXXX-XX/XX/XXXX. All accounts have never been late and have been in ibr or deferment since opened.
My lawyer told me all my hospital bills were taken care of including this one when we settled with the other attorney when I was in a car accident. He said I had no more bills to be paid or be worried about. I dont know why after all theset years it 's still on there I have disputed it many times and other collection agencies pick it up but it has hurt my credit over time.
creditor : XXXX XXXX XXXX XXXX Balance:XXXX account : XXXX creditor : XXXX XXXX XXXX XXXX XXXX   Balance:XXXX ACCOUNT : XXXX creditor : XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX XXXX Balance:XXXX   account:XXXX THESE ARE MY SONS ACCOUNTS AND THEY PUT THEM ON MY CREDIT! PLEASE REMOVE THESE ITEMS!
THD / CBNA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
CitiMortgage owes me an funds for overpayment. Multiple unknown and unauthorized transaction activities have occurred since at least XX/XX/XXXX. Loan originated XX/XX/XXXX.
Filed a complaint a couple of days ago about my mortgage with Bank of America. Today I had XXXX call me and offer a lower rate, principle reduction and reduction of years for my loan that they have. 

My original loan if with Bank of America for {$XXXX} back in XXXX/XXXX/XXXX. I had XXXX loan modifications. One in XXXX in which they raised the principle to {$XXXX} ( which I was told you can not do ) and made it a XXXX year loan. There is no record of this by the way. Then in XXXX XXXX, I did another modification to get away from the previous modification which was ridiculous. 

Today, the XXXX person informs me that I owe nothing to Bank of America. XXXX balance. The debt I owe at the courthouse is to Bank of America for {$XXXX}. BOA had to right off a certain amount of first and second mortgages due to fraud. BOA made it look like I had a XXXX mortgage when in fact, I DID NOT. There is paperwork at the courthouse ( I sent it in my previous complaint filed ) stating that my mortgage has a full release of real-estate mortgage dated XXXX. This XXXX person then informs me that I had XXXX mortgages through BOA. One is dated XXXX/XXXX/XXXX and then he stated the other XXXX XXXXs dated XXXX/XXXX/XXXX for {$XXXX}!!! I only had XXXX mortgage in XXXX with them. No second mortgage in XXXX of XXXX either!!!! 

I do n't know what I have to do to get this straightened out. Someone please help me. XXXX is a debt collector. They guy argued and said it was a mortgage company. It states that on the answering machine, when they leave messages for me, that they are a debt collector. I informed the guy of that, then he agreed. They are trying to collect debt from Bank of America that I do not owe. It states XXXX XXXXn my account balance!!! The guy from XXXX then said he fully understood about my situation and was not going to offer me any deals on my loan. " You probably do n't need a loan now. '' I asked him to send me the paperwork that he was reading off to me about my loan ( having XXXX of them now ) and he said he could not. Seems to me now, XXXX has created a different loan? and still collecting money?!!!! 

I am desperate and Bank of America has put me through XXXX and back. I have enough struggles being the guardian for my husband who has a XXXX XXXX. He is the one who put me in this situation in the first place! 

Please look into this matter further.
On XX/XX/2018 I sent a letter out to XXXX  and Experian disputing the accuracy and the method of verification for student loans amounting to {$20000.00}. Both Experian and XXXX  failed to mark all the student loans accounts in question as " disputed by consumer '', per law within 30 days. Furthermore, XXXX has already deleted this inaccurate and unverifiable accounts as of XX/XX/2018 ( see attached documents ).
We opened a free online checking account through Bank of America to manage home improvement expenses ( XXXX ). At an arbitrary time, BoA changed their policy on this account without our knowledge and suddenly started charging fees on the account when the balance went below {$1500.00} after some home improvements ( XX/XX/XXXX ). After some time, we noticed a reduced balance on this account and inquired as to why with BoA. We were told we had let the balance drop below the now arbitrarily low limit of {$1500.00} ( note : we have approx $ 20k in  balances with this bank in other accounts, would have been no issue to transfer money to meet this limit ). When the money was transferred to our other accounts in preparation of closing this account, we received a low balance warning via email immediately. 

Bank of America claims we were given sufficient notice by the fee line item appearing on the statement. While the fee line item may have appeared on our statement, there was neither explanation once it was assessed presented in the statement nor was it shown to be linked directly to this account. Since we have multiple accounts, there was no clear way to discern how or why this charge was assessed without immediately filing a complaint. 

Furthermore, they demonstrated the capability of notifying us of a low balance by way of a notification email we received upon closure of the account telling us our balance was below {$25.00}. Since it is convenient for them forego notifying us as there was sufficient funds to remove money at will without risking an overdraft, we believe their process is flawed and predatory to the customer to inappropriately charge fees. 

After multiple attempts to resolve the issue, Bank of America is refusing to refund fees totaling {$160.00}. Their phone agent admitted the notification structure is not as thorough as it should be, but that they are within legal compliance. When asked if they are willing to sacrifice a 20 year banking relationship over {$160.00} in fees, the response was that there was nothing they could do. Bank of America has demonstrated that they are abusive and unwilling to work with their customers in this instance.
Capital One was paid in a refinance of home in XXXX through debt collectors XXXX, XXXX, XXXX XXXX XXXX XXXX. However now my mother is trying to sell the house and 10 years later Capital One is indicating a lien on the house from a debt that was paid in full, listed in Assets & Liabilities, listed on the HUD-1 settlement statement and XXXX, XXXX was paid multiple times ( see all attached documents ). On XXXX XXXX XXXX of Law Office XXXX XXXX XXXX claims there is an open lien on me XXXX XXXX from XXXX although no confirmation. No one can provide a SSN, DOB or a signature indicating this is mine.I was sent a copy of judgment which was clearly a cut n paste of a XXXX MI and yet they claim it was mailed XXXX from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX admit no payoff ltrs were mailed to XXXX XXXX XXXX and they had no records of anything pertaining to Capital One but yet it remains on me personally and the credit bureaus have allowed this which violates the FCRA and FDCPA. The type set that was sent of judgment does not match from the name to the rest of the alledged judgment. XXXX, XXXX refererenced XXXX but doc # XXXX from an alledge judgment entered XXXX # XXXX XXXX XXXX ( which was paid ). At that time they were paid in full accordingly of XXXX. Same account raised to! XXXX and now over 10 years later they are asking for {$2500.00} on closing documents in which my mother was trying to sell her house under a Short Sale. XXXX XXXX XXXX indicated there were no liens on the house in a previous letter. XXXX did an illegal loan modification signed by a Vice President in XXXX with no liens mentioned. XXXX XXXX XXXX ran their own trac search in which no liens were reported however a place called XXXX XXXX XXXX XXXX indicates lien and sub-prime lender. I learned in XXXX that I had became a victim of Identity Theft in which I got a FTC report # XXXX and police report because my social security check was stolen through my bank account. I have had ongoing trouble since then. Capital One is trying to EXTORT money that was already paid over 10 years ago. Now because of Capital One my mother ca n't sell the house and now the house is going to go into foreclosure because of illegal, mismanagement, fraud and deceptive practices of all of the above and yet they are continuously allowed to get away with it! Please help me out here! See all supporting documents! Thank you. It was bad enough my name was added to a mortgage and I was put on a Mortgage Note illegally without a SSN, DOB or any other identifiable information and now Capital One can not produce or their debt collectors a SSN, DOB or any other information and want more illegal money from me of a debt over XXXX years old of {$2500.00}! Pure extortion and for the Credit Bureaus to allow this to remain, I hereby will file complaints against them as well!
I have asked Ally Auto Financing back in XXXX then again in XXXX, XXXX and XXXX not to call my cell phone during the hours of XXXX to XXXX XXXX that it is an inconvenient time frame due to my cell phone is used for work purposes. They continually call during those hours and when I send it to voice mail they will call back approx. 6 to 10 minutes later. I do not dispute that I am behind on my loan, due to divorce and health issues along with the car being broken down and in the shop for about 2 months along with paying out for rental cars, but they have now gotten me in trouble at work I have had 2 verbal warnings and I can ' afford to loose my job. They will call me week day during the time frames that I asked them not to call and will call 2-3 times a day. the calls are coming from the West coast and I am on the East Coast. so far this month they have called me on XX/XX/18 at XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX and today XX/XX/2018 at XXXX and then again at XXXX XXXX. it was like this the whole month of XXXX, XXXX and XXXX. This is getting to the point where I'm getting ready to get terminated from my place of employment. I have finally had enough and want them to come get the vehicle so they will no longer harass me.
I am filing this complaint becasue TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not vefify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possiable. Thank you