WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX LOAN # XXXX This mortgage was paid in full about 5 years ago, I requested from Citibank Mortgage all documentation for this mortgage like payment history Etc. they are ignoring my request, I am trying to sell a property and I lost 4 clients because of CitiMortgage there is nobody to talk to, not sure why they do not want to send me these documentation, I can assume maybe fraud what 's going on that 's why I did not want to send me documentation but I need these documentation ASAP
In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on Experian and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are true.
On XXXX XXXX, 2015 I made a series of bill payments using my Capital One credit card. I used my Capital One card so that I could gain the rewards points. XXXX of the payments ( {$820.00} paid to XXXX XXXX ) was processed as a cash advance ( unbeknownst to me ). On the same day that I paid my bills with my Capital One card, I also made a payment to Capital One in the amount of {$1400.00} to cover all of the charges that I had made the same day. Now here we are 1+ months later and I learn that I have been charged a {$24.00} cash advance fee, along with a seperate line of interest in the amount of {$11.00} becasue cash advances are charged at a higher amount of interest. I contacted Capital One to find out why my charges were n't just wyped out with the payment that I made and to protest the continued interest on credit card bill for a " cash advance '' that I have already paid back. I was advised that the " cash advance '' did n't post until the following day and the payment had already been allocated. I have also been advised that the only way that I can stop being charged ADDITIONAL interest for this " cash advance '' is for me pay off the " cash advance '' again.
We got pre qualified in XXXX to by a home before we made a offer. We signed a contract to build a home with a finish date of XX/XX/2018. We have given the mortgage company all the documents that they requested.. We were promised a interest rate of 4 1/2 % with eather a 7 or 10 year balloon and a 30 year amortization. We have requested repeatedly a written approval letter and as of today still have not received one. Our contract with the builder clearly states that we need a commitment letter by XX/XX/XXXX. After many repeated calls to XXXX XXXX with Cross Country Mortage we would get the same answer, I will let you know by Friday. Monday XXXX called me and said that he got us a interest rate of 5 1/2 paying 1 point. He then said that he would check with another lender to get me a better rate and would call me tomorrow. Still no call. He did get his boss who I think is Vice President of the company involved. In a conversation with him about a week ago he told me how hard they had worked on this loan even getting us a second appraisal from a friend, because they did not like the first one. Now nine days to settlement we still do not have a definitive answer. The stress of dealing with this company and XXXX XXXX has caused me many major health issues including a XXXX XXXX and having to go to a XXXX XXXX. I am now scrambling to find Mortage money elsewhere 9 day before settlement.
Mortgage is due on the first of the month and has an late date of XXXX of the month. Bank Chase Mortgage will start calling after the XXXX of the month and sometimes up to 3 times daily. My mortgage is current and never late but it 's annoying when a bank like Chase is allowed to call and ask where your payment is when it 's not even late yet.
Hello- an ACH double posted on my BMO Harris account of XXXX, my balance at the time was XXXX. But because it double posted my balance went negative. I was then charged an NSF fee of XXXX from BMO, they will not reverse the full fee and are advising me that I need to bring my balance to XXXX before I can close the account. And I will also incur a XXXX early account closure fee. I recently signed up with BMO under a promotion to test drive them and switch over. Below is a transcript of my chat with them XXXX : Hi, my name is XXXX. How may I help you? 
XXXX XXXX : Hi XXXX XXXX XXXX : I recently had an ACH debit my account twice for the same amount XXXX XXXX : and because of this I incurred a NSF fee of XXXX XXXX XXXX : I am wondering if this is reversible. I do not know why the ACH was taken out of my account twice ... 
XXXX : I am sorry to hear about the issue with the duplicate charge. I can review this for you today. What is your name and e-mail address please? 
XXXX XXXX : XXXX XXXX and XXXXXXXXXXXX XXXX XXXX : thanks! 
XXXX : Thank you XXXX. One moment please. 
XXXX : Thank you for your patience. I have reviewed the account. I am showing the transaction that overdrew the account was a Web payment set up directly through XXXX XXXX. Since this was not a transaction set up through the BMO Harris online banking it is not a bank error. With it being a first time occurrence on the account, I would be happy to split the insufficient funds fee and refund {$17.00} back on the account. The second transaction was returned on XXXX-17. What I wo n't know by looking at this transaction is if XXXX will resubmit that item for payment on the account. I would advise that you contact XXXX to find out if that second ACH will be resubmitted or not. Would you like for me to go over with you some options for Overdraft Protection? 
XXXX XXXX : No, I do n't think overdraft protection is necessary. I XXXX XXXX : I 'm not sure I would really need the account open then if I am left with an overdraft of XXXX, does n't see worth it to me. I opened it up under a promotion and was going to test drive the account before we switched over ... 
XXXX : If you decide down the road you would like to know more about our overdraft programs, please let us know as we are here to help. I have credited that portion back on the account and my confirmation number for that today is XXXX. I would advise that you make the account positive by the close of business Monday as the account can also be charged a {$5.00} consecutive day overdraft fee if the account sits in an overdrawn balance for more than 3 consecutive business days. 
XXXX XXXX : oh if that 's the case lets just go ahead and close the account. thanks XXXX : Once the account is brought back to a positive balance you can reach out to us to close the account but I would n't be able to close the account until then. Plus, there can be a fee of {$50.00} charged to the account for closing within the first 90 days of account opening.
Experian has listed on my credit report a debt that was abolished by XXXX XXXX in XX/XX/XXXX. This was a joint account as I co-signed for a coworker to purchase a used car. XXXX XXXX agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. Experian keeps verifying the debt as valid because XXXX XXXX is supplying fictitious information because collection efforts remain in effect for second party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. 
Equifax also has an account listed by XXXX Collections in the amount of {$81.00}. This account was paid directly to XXXX several months ago. I was never contacted by XXXX by any means. The representative that I spoke with said the account would be deleted but she could not send in writing. She referred me to a website to print a paid letter. I have proof that I paid XXXX directly. 
Equifax is also listing the erroneous account by XXXX XXXX as past due in the amount of {$1500.00}. Equifax also has several collection accounts that have been paid and I have provided written proof supplied by the collection agency for medical bills. The companies are XXXX XXXX XXXX XXXX XXXX and XXXX collections. The collection companies agreed to delete the entries electronically but they remain on my credit file. 
Additionally, XXXX XXXX XXXX has an open claim with XXXX XXXX for damages on a vehicle that I rented in South Dakota from XXXX thru XXXX while on of several travel contracts for work at XXXX XXXX XXXX. I was never notified and allowed to investigate the validity of the debt. When I realized it on my credit report, I called XXXX XXXX and spoke with XXXX XXXX who agreed to delete the entry if I paid her because she did not believe the XXXX would pay the " extra fees ''. The was minor under baggage damage that was not visible to me when the vehicle was returned. I was made aware of the collection efforts when I checked my credit earlier this year. This account appears on my Experian credit report and was verified as valid. I never received notice of the debt. I was never allowed to investigate the validity of the alleged debt. 
Lastly, XXXX XXXX XXXX was paid {$720.00} in XX/XX/XXXX in an effort to have them remove a collection from my Transunion and Experian credit reports. Despite me never contracting with company I paid them because XXXX refused to collect the monies owed to them. I now have a delinquent XXXX entry and a XXXX XXXX collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.
My husband 's company did not give him his paycheck on time. As a result, XXXX Residences, filed and eviction notice on XXXX XXXX. My husband filed for bankruptcy on XXXX XXXX, XXXX. Instead of trying to stay in our leased apartment in which we had two months remaining, we decided to move. On XXXX XXXX, XXXX, while still in bankruptcy, my husband received a collection notice from XXXX XXXX XXXX XXXX XXXX had previously received notice that my husband was in bankruptcy ). On XXXX XXXX, XXXX, XXXX reported a collection account on my credit report without sending me notice that they were collecting a debt, and did not allow me the opportunity to dispute it. I wrote XXXX and Equifax on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regarding this debt, asking for verification but they would not respond to me. I provided proof XXXX and they have deleted XXXX from my credit report. On XXXX XXXX, XXXX, Equifax changed XXXX 's credit reporting from XXXX/XXXX/XXXX to XXXX. I have enclosed a copy of XXXX prior credit reporting from XXXX to demonstrate that the credit reporting was XXXX/XXXX/XXXX and not XXXX. Even after I had provided Equifax with proof, they still did not investigate my dispute thoroughly and willfully updated my credit report with erroneous information that damaged my reputation and caused me great financial harm XXXX job loss ).
On XX/XX/2018. I sent {$2000.00} to XXXX through XXXX  to XXXX XXXX XXXX   powered by MoneyGram using my debit card. My relative in XXXX was not able to pick up the money due to some error on MoneyGram 's end. So the next day, I went to XXXX  located at XXXX, Washington on XX/XX/2018, to get a refund and try to send it again. I was able to get a cash refund which I sent it back immediately to the same location and person. Again the receiver was not able to pick up the money. So, I went to XXXX  located at XXXX, WA again on XX/XX/2018 to ask for a full refund. The agent at that location called MoneyGram to get a reference number so that they would refund my money back. This time the agent told me that MoneyGram claims that the money has been refunded. The agent was on the phone with MoneyGram for couple of hours. They refused to refund my money back. At the end of the conversation with MoneyGram on XX/XX/2018 that they said that they have to investigate and told me to call them back on Friday, XX/XX/2018. So, today, XX/XX/2018 I called MoneyGram back and they provided me with a reference number. So the very same day I went to XXXX  to get a refund but they couldn't refund it back to me. Again the agent at XXXX   was on the phone with the representative for MoneyGram. The representative told me that now the time for investigation is 90 days and they can not refund my money back. I have to work hard for my money. I am sending this money to my relatives so that they can have a joyful holiday. I need answers and I need my money back.
In 2010 I filed for Chapter XXXX bankruptcy in the U.S. Bankruptcy Court of Nebraska which was approved XX/XX/2010. At the time the largest debt was a mortgage which was held by Bank of America at the time of the bankruptcy ( previously the loan was owned by Countrywide Mortgage. This was a refinanced mortgage from an XXXX loan that we used to initially purchase the home. At the time of the bankruptcy I was going through XXXX for the XXXX. After the bankruptcy was approved my wife and I have tried everything imaginable to give the home back to the bank with zero success. We returned the keys to the bank, cleaned the house- moved out. We hired an attorney to try to conduct a short sale on the house, which the bank made so difficult it was impossible to short sell the house to repay the bank as much as possible. About two years later while I was XXXX at XXXX, TX I was contacted by a representative from BOA who tried to get me to rework the loan despite the fact that the mortgage was discharged in bankruptcy. I tried to explain to him that there was no loan to " rework '' because it was discharged in bankruptcy. He became very belligerent and I calmly explained to him that his behavior was n't permitted per the paperwork I received from the Bankruptcy court. He calmed down and claimed that he would do some more research after I gave him the bankruptcy case number and other info concerning the bankruptcy. Several months after that time my wife and I began receiving statements from BOA claiming that they were paying lawn care ( which we have learned has not been taking place according to our prior neighbors who claim that the city has been mowing the grass ) and homeowner 's insurance on the property and reflected an outstanding balance. Then BOA sued my wife and I in a foreclosure case in County Court. Finally we sought the assistance of a Legal Assistance Attorney with the JAG office here in XXXX where we are now stationed. We tried to settle this case by offering to execute a Deed in Lieu of Foreclosure which was sent to the attorney representing BOA. She submitted the settlement offer to BOA who refused the settlement offer because they claimed incorrectly that there was a HUD lien from the original mortgage that Bank of America ( or the predecessor Countrywide ) did not have cleared when they assumed the loan.
I received the Astoria bank advertisement in the mail, which states if you open a new Simple Checking Account and make three or more online bill payments of {$25.00} or more during the XXXX consecutive months, you will get {$120.00} bonus. I opened a Simple Checking Account at the branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX on XXXX/XXXX/15. I maintain more than a minimum $ XXXX monthly balance and made XXXX bill payments of {$46.00} each for the XXXX consecutive months : XXXX, XXXX and XXXX, 2015. But I did not get a bonus. I called to the customer Service and branch regarding the bonus. They said I am not qualified. When I was opening my checking account I asked a representative when will I receive a bonus? She said after I make three payments. And now, she says I did not make XXXX payments. The ad states I should make XXXX payments. The company does not honor what they advertise. They mislead consumers and not follow their promises. Their service looks unprofessional. I will provide you with the attached documents as the proof of my statement.
Wells Fargo Home Mortgage in there reply on XX/XX/18 about the California All purpose Certificate as there response I sign the document is not my signature as claim by Wells Fargo Home Mortgage Power of attorney is not my signature nor my printed signing. Futher more Wells Fargo Home Mortgage has yet to produce the proof of my signature to that document nor does Wells Fargo Home Mortgage been able to justify my signature. The document was sign by the Notary. I did not sign nor give consent to the Notary and was not ever giving or mail any copy of no California All purpose document. Wells fargo Home Mortgage wants to blame the media in which has nothing to do with my signature or documents forge by there notary as there agent. wells fargo home mortgage acted wreckless and has yey to prove by any legal means that is my signature in any way. all wells fargo home mortgage does is reply back with some lam excuse or blame game on some one else.
Hi my name is XXXX XXXX and I have been trying to dispute a charge for my payment of XX/XX/XXXX. I scheduled the payment to be withdrawn from my account. On XX/XX/XXXX, XXXX XXXX XXXX has withdrawn {$680.00} from my checking account. On XX/XX/XXXX, I get a call from Ally saying my payments did not go through and I have statements from my account proving that the payment was successful. How do I go back getting this resolve so it would not effect my credit score and account. Thank you.
in XXXX I attempted to purchase a car from XXXX XXXX XXXX XXXX Colorado. I had a XXXX that I had paid off and owned entirely. 

The dealer then set up the paperwork for a ford van, trading my car in as collateral. 

After driving the van we discovered that it was previously damaged from an accident. 

This is where things get weird. 

Before we returned the van [ about 3 days ] they sold my car. I was then forced to buy a more expensive car, a XXXX XXXX. 

Shortly after taking possession of the vehicle, XXXX XXXX XXXX began not posting our payments, then became threatening. 

As I am a XXXX veteran and a negotiable person, I agreed to return the car back to the dealership completely undamaged [ which we did ] and left the keys inside the dealership. 

In XXXX XXXX we left the US for 24 months. 

XXXX XXXX XXXX wrote off the contract as I returned the vehicle undamaged. 

Then- out of nowhere comes a case filed in court against us for the entire cost of the vehicle by some party not affiliated with XXXX XXXX . 
We responded to the subpoena in writing mailed certified return receipt to the XXXX XXXX XXXX XXXX. 

The certified mailed return receipt response was properly addressed and mailed within the required time to respond. 

Several weeks later, we received the same mailed certified returned receipt response [ unopened ] and refused by the judge- A judge XXXX . 

That same judge then issued a summary judgement that did n't exist against me for some XXXX k. 

The total price of the car, a car we did not have as we returned it to the dealership as agreed with XXXX XXXX XXXX. 

In other words, a debt not real, or valid. 

The debt was sold to a collections firm in XXXX Colorado [ Machol & Johannes ] that is not affiliated with BBB, and suspect for illegal collection practices. 

They have upped the amount to nearly XXXX for debt I simply do not owe due to the judge refusing to open my mailed certified return receipt response and to review the fact that I had returned the car to the dealership undamaged as agreed with XXXX XXXX XXXX 

Someone has repeatedly vandalized our only vehicle-a XXXX XXXX XXXX XXXX, rendering it inoperable. We believe that this may be the work of the collection firm. So I am out of any vehicle now. Its XXXX. 

That XXXX collection firm that bought the debt is still trying to collect on a debt that never existed. 

I am tired of this constant illegality which began with a bait and switch by the XXXX dealer by the sale of the only car we owned [ the XXXX ], forcing me to purchase a much more expensive vehicle than I had intended-along with the harassment by XXXX XXXX XXXX which resulted I our returning the vehicle to the dealer undamaged- then the selling of the debt to a collection firm that is questionable in its business practices, Recently, I have noticed that a XXXX XXXX XXXX out of Ohio has been querying my credit record. 

It seems no one has done anything to look into these illegal business practices
I dispute that the last day of activity for XXXX XXXX XXXX account is incorrect on my credit report.
I purchased a U.S. Bank {$200.00} prepaid MasterCard from XXXX on XXXX/XXXX/16. I tried using the card for the first time on XXXX/XXXX/16, and got an error that the card was declined. I then checked the transaction history online and noticed that the card balance had dropped to {$0.00} and that there were XXXX unauthorized transactions. I immediately called their customer service to report the unauthorized charges, but they told me that they could n't help me dispute the charges because the charges were still " pending '' and that there would be a fee to issue a replacement card. They basically gave me the run around and told me there was nothing they could to recover my money.
I spoke with this company back in the summer of XXXX and told them to stop calling my friend about this collection. The person I spoke with told me that when they ca n't get a hold of the debt holder that they call any numbers associated with their address and assured me that they would stop calling my friend. I have recently discovered information that makes me think my payments are not going where they should and stopped those payments last week. They began calling me and they same friend. I spoke with a supervisor on XXXX to discuss the issue of my money and the payments and also brought up again that they are calling my friend. The supervisor assured me that the only number they had for me was my cell. I explained to him what i was told the year prior and they she just told me they called her again and he assured me they did not do that. Now today, XXXX my son, who is a minor, tells me he is now getting the calls and voicemails from this company. I have instructed him to leave the voicemail and the phone number in his history in case they deny it again. They have a working number for me, and I even spoke with a supervisor last week and told them why i stopped payments and what my next steps are and they are now embarrassing my friend and MY CHILD.