WillisBack/dataset-financial-user-claim huggingface dataset:
I have an executed agreement to purchase a home owned by The Bank of New York Mellon through their agent, XXXX XXXX XXXX XXXX. Prior to closing, a roof repair was done ; however, the party who did the repairs failed to obtain a building permit or professionally complete the repairs. During the walk through it was evident that the roof was still leaking. A licensed roofing contractor provided me with an inspection and estimate to replace the roof since a repair is not permitted. The city building department confirmed that a complete roof replacement is required and has issued a stop work order posted on the property. The roof must be replaced by a licensed roofing contractor, it is now a code enforcement issue. The seller initially argued regarding who did repairs ( not material ) and insisted I close as is or cancel the contract. I could not obtain insurance with the leaking roof. The seller would only refund my {$5000.00} escrow deposit and refused to pay my direct expenses over {$1100.00}. I have a FHA loan approved, and the lender 's loan package was sent to the closing agent in a timely manner so there was no issue with the loan on the closing date, XXXX XXXX, 2015. The seller came back after about a week and told my real estate broker, XXXX XXXX that the seller would replace the roof and to confirm if I still wanted to purchase the property which I responded affirmatively. Today, I received an email to call XXXX XXXX, after agreeing to replace the roof the seller now is refusing to do as they said they would do. I want to purchase the house and I want the roof to be replaced as they agreed to do. The seller keeps bringing up the sale was " as is '' which I agree is correct ; however, hiding a leaking roof with new paint followed by having an unpermitted repair that left holes in the roof is deceptive at best. The listing agent for XXXX XXXX XXXX XXXX is XXXX XXXX, XXXXXXXXXXXX phone ( XXXX ) XXXX XXXX. The seller is The Bank of New York Mellon care of XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX, MD XXXX, XXXX XXXX XXXX XXXX asset XXXX is XXXX XXXX, the closing agent is XXXX XXXX XXXX XXXX, account manager is XXXX XXXX ( XXXX ) XXXX, processor is XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX. My agent is XXXX XXXX XXXXXXXXXXXX, the managing broker of the XXXX XXXX XXXX Florida XXXX has taken over the transaction, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX : The seller hid a leaking roof with white paint, when they had repairs completed, their repairman failed to obtain permits, did not complete repairs in a workmanlike manner and it was still leaking.
In XX/XX/XXXX I bought a house. I do not speak English ( someone is helping me right now ). The house needed work but I was told by seller and the person working with the seller that it will be finished. However I was guaranteed that the certificate of occupancy was fine and they will finish while I lived there. The seller bought the house in XX/XX/XXXX for {$48000.00}, and sold it to me one year later for {$300000.00}. There was no realtor, and no attorney. The person working with the seller was XXXX XXXX. He plead guilty of a XXXX mortgage fraud in XX/XX/XXXX. He filled all my mortgage documents, he also applied for my loan. I have a video recording of me speaking with him, as well as an online chat in XXXX regarding my mortgage. He guide me through the whole process and I thought he was helping me. At the end it was a scam and the house was unlivable. The appraisal was never done. I have requested a copy and the lender can not find it. I am sure that the seller and XXXX XXXX made it all up with help with the lender. It took me 3 months to fix the house and get permits to be allowed to live there by the city. I had to take loans for {$15000.00} to pay as well as paying my rent. I was unable to pay my mortgage. Now I am in foreclosure. I can pay my mortgage, but the lender will not let me apply for a modification. I was taken advantage off. I want to stay in the house. I can pay my loan. All I need a fair chance for a modification.
On XXXX XXXX of 2015 I ask that a dispute get started for something that showed up on my credit report. After the XXXX days was up on the investigation I sent another letter telling them to remove the item because they did not complete the investigation. I have not heard anything from the yet and it has been months since I first asked them to start the investigation. On XXXX XXXX they wrote a letter and sent it to me stating that " Suspicious requests are reviewed by experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. We will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information. 
If you believe that information in your personal credit report is inaccurate or incomplete, please call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " This is not following the guidelines but even if it were, I went on the internet and people say to send more ID showing you are who you are. So that is what I did. A SS Card, ( 2 ) state ID 's and a military ID. They will not respond to any of my request. This debt like many others that they refuse to investigate is n't my debt and I am paying the price with a bad credit score because of someones mistakes.
XXXX is either incapable or at least has not been able to apply a consolidation payment to the loans I've specified. 
- On XX/XX/XXXX, I began the process of consolidating all of my un-subsidized student loans held by XXXX and XXXX XXXX XXXX through XXXX. 
- Payment was disbursed on XX/XX/XXXX. That same day I called to notify both of the current loan holders XXXX and XXXX XXXX XXXX of my plans to consolidate and requested to only apply the payment towards the un-subsidized loans. 
- Payment was posted on the XXXX account on XX/XX/XXXX. I called to inquire why the payment was not applied as directed, as it was evenly distributed to all loan. I re-request again to apply payment only to un-subsidized loans. 
- I requested to speak to supervisor and spoke with XXXX ( agent number XXXX ) who said the payment should be allocated as requested two weeks from the current date. 
- It is XX/XX/2018 and the payment has not been allocated as requested. The payment for the month of XXXX has now been posted. 
- Interest has continued to accumulate on loans that should have been paid off two weeks ago, and is being included for the current payment due in XXXX.
I have student loans that are under an income based repayment plan and public service loan forgiveness, serviced by Fedloan Servicing. My annual income based repayment plan had been updating annually for the month of XX/XX/XXXX, until this year. Recertification of my income information was previously required between the end of XX/XX/XXXX and the beginning of XX/XX/XXXXannually. This year the repayments dates had been changed and I was told by a Fedloan representative, there was a mistake with their system that recalculated my income after 11 months instead of the 12 month repayment period during 2016. He noted that I did not request an immediate recalculation of my income in 2016 when I submitted my annual recertification. As a result of these errors, my account was updated too early and I now have a bill on my account for more than 3 times the amount that I should owe. I have spoken with the representative from Fedloan servicing numerous times, spent hours on the phone and have asked for supervisors on several occasions, I also sent an email to them and have not received a phone call or email response from a supervisor. This issue has been going on for weeks and initially I was told there was no problem. Being charged 3 times the amount is a problem. Fedloan servicing has made a significant error and this issue requires prompt attention, for which the response has been inadequate.
OnXX/XX/XXXX I paid a debt for a disputed XXXX cell phone bill despite the fact XXXX XXXX said it was part of my contract to pay this bill at the time I joined their services when stopping my contract with XXXX. XXXX billed me anyways. I continued to dispute to no avail. 

On XX/XX/XXXX, a check to pay this debt off was sent and remitted using Option 1- Pay off the settlement in one payment of {$260.00} per their letter. The remitted check for the payment is enclosed. Per their letter- in choosing option 1 - since they had the  authority to settle this account for less than the full balance- I paid the said option of@XXXX in full and per the letter and expected this debt to be settled and collection activity to stop. 

Today- XX/XX/XXXX I received another collection noticed ( enclosed ) for the same debt in the amount of $ XXXX despite the fact they said would it be settled when I paid option 1 in XXXX.
A HUD-approved housing counseling agency submitted a modification request on my behalf XX/XX/XXXX. As of XX/XX/XXXX, there has been no decision made, despite several assurances that my documents are complete. These are verbatim examples of texts sent to me by the servicer : 1. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
2. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
3. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your mortgage assistance application. No additional information is required at this time. To end alerts reply stop. 
4. XX/XX/XXXX : Free Msg Alert! From Citimortgage : Your Hardship Application is with Underwriting which can take 30 days. We 'll keep you advised. To end alerts reply stop. 
5. XX/XX/XXXX : Free Msg Alert! From Citimortage : Your Hardship Application is with Underwriting which can take 30 days. We 'll keep you advised. To end alerts reply stop. 
6. XX/XX/XXXX : Free Msg Alert! Citimortgage Assistance Application. No additional information is required at this time. To end alert reply stop. 
7. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
8. XX/XX/XXXX : Free Msg Alert! From Citimortgage : We have assigned a new Homeowner Support Specialist to assist you. A letter/email has been sent. To end alerts reply stop. 
9. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop.
Account is still showing in my credit report as " closed '' and " included in bankruptcy '' but the account should be deleted off my report because it is closed and is negatively stopping me from getting credit. The following five accounts are closed & included in my backtuptcy but still appear on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The company Conserve has been calling nonstop every day. I have told them to remove my number as I am not the person they are looking for. They hung up and are calling from different numbers. I have no debts and a perfect credit record.
I received a call that addressed me by first name and stated that she needed to verify information for an application that I had submitted which I thought was odd and addressed me by my first name and repeated my last XXXX of my social once she verified that she stated it was to collect information for a debt which she was not upfront and tell me that in the first place, then she proceeded to inform me that she was calling from Dynamic Recovery for a debt they had placed in her office XXXX/XXXX/2015, I asked her for information as to the account and the debt, her information and company information and she proceeded to tell me I was not cooperating with her. I reminded her the conversation was being recorded and she then placed me on hold and I was in silence for several minutes forcing me to hang up because she did not respond to me.
I opened the citigold bank account with citibank with promotional code promising a credit of XXXX American Advantage miles after meeting all the requirements. After inquired about the status I was denied the promotional credits because I was not targeted for this promotion. 
I have document showed that i have the promotional code attached to my account and I would like citibank to honor it.
Citibank offered {$500.00} bonus for opening a Citi Priority account from XXXX. The required banking activities to earn {$500.00} are : 1, to qualify to earn a {$500.00} cash bonus, you must open a new eligible consumer checking account in the Citi Priority Account Package between XXXX. 
2, within thirty ( 30 ) days of account opening you must complete the following : - make a qualifying deposit of {$50000.00} or more in new-to-Citibank funds into the new checking account or your new or existing Citibank Saving Plus or Citi savings account, and maintain a minimum balance of {$50000.00} for sixty ( 60 ) consecutive calendar days following the date you make your qualifying deposit.
- Enroll you new checking account in paperless statements.
I opened a new Citi priority checking account package on XXXX/XXXX/XXXX and funded it with {$50000.00} new money on XXXX. On the same day, I enrolled my account in paperless statements. 
On XXXX/XXXX/XXXX, I got an email saying that I could not get the {$500.00} bonus because I did n't fulfill the requirements for this promotion. But the truth is I opened the account and completed all the requirements In XXXX. 
I called Citibank on the next day. The CSR told me they would deposit {$500.00} into my account within 3 business days. After one and half month, I have n't got my {$500.00} yet. 
I attached the screenshots and the document about the promotion. Please help me to resolve the problem. 
Thank you.
I called to get information about a business security system. I asked for the information to be sent to my email so I could use comparison to other systems. I gave my name, my girlfriends name and the location of where I wanted this to be installed. I spoke with XXXX XXXX XXXX XXXX ex # XXXX and we were on a recorded line, where I was never asked nor gave the permission to do anything with my credit. I told him I would call back. The next day around XXXX my phone notified me that I had a change in my credit report. I took a glance and noticed XXXX XXXX XXXX and AUTOMATION had done a hard credit report without my permission. As well as my girlfriends report had been jeopardized from this the same time. I started the morning of XX/XX/XXXX to call and find out what happened. I spoke with many people and was given an email from XXXX XXXX XXXX XXXX or XXXX or XXXXXXXXXXXX saying " we are submitting request to the credit bureaus to have inquiry removed " ( XX/XX/XXXX - almost a YEAR AGO ). And he said he would let me know when it 's removed. Well I have spoke many hours with numerous people at XXXX about this and no one will do anything. I have emails from XX/XX/XXXX and also XX/XX/XXXX about this and letters they supposeibly sent to get this removed, phone records, voicemails about this and no one at XXXX HAS TRIED or attempted to get these illegal inquires removed. It has almost been a year and has been effecting both credit scores of us. I have done all I can to complete this. Contacted all XXXX credit bureaus and have gotten no where. Please help
My private student loans were originally through  XXXX   XXXX , which were sold  to   XXXX   XXXX   XXXX   , LLC .  I made arrangements to have payments auto-drafted from my account and up until  XXXX     2017, th ey were regularly paid. As of  XXXX , they have stopped taking my payment. When I went online to see why, I could not view any information on my account. When I called to inquire about this matter, they told me that I am " locked '' out of my account due to my accounts being in a charge-off status. The representative told me that my payment expired a year ago, so I have n't been paying enough each month. I have had absolutel y zero  correspondence with them about this. They informed me that I have  XXXX  additional accounts ( that I was completely unaware of ) that are in charge-off status also. These accounts never showed up on my online account and was never mentioned in prior discussions. I asked them to please tell me what I owe, because this is the first time I am hearing about these other " accounts ''. They told me that I would need to pay a fee of {$100.00} for each account to " unlock '' them and find out how much I owe. I have been dealing with all kinds of fraud surrounding my student loans after attending  XXXX  University and I am not sure how to handle this situation. They will not tell me anything about my account unless I give them {$300.00} and I feel that it is my right to know how much money I owe. Please help me resolve this matter.
An account that was in collections with a company called Enhanced Recovery Company for an old cell phone through XXXX was re-aged on my credit report. I contacted ERC and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called XXXX XXXX XXXX and they have a date or account being opened as XX/XX/2017. I attempted to contact XXXX by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by ERC and it seems they not only re-added the account they sold it to another company and that company re-aged it.
I purchased my home in XX/XX/XXXX. Last year I was hit with a XXXX dollar property tax bill. The previous owner upgraded the house using a pace loan and didn't end up paying the lien off before the XX/XX/XXXXtax bill. The Missouri XXXX XXXX XXXX did everything in their power to help me. They reimbursed me XXXX dollars which was the extra amount included in my taxes. My Mortgage company on the other hand has done everything in their power to keep me paying a double mortgage rate. They did the Escrow analysis last year in XX/XX/XXXXon my loan. I started paying double the mortgage because I had to get the Escrow account back to even because of the increased property tax bill. Soon after that I found documents on the XXXX County website that stated the lien was removed from the house. I sent those documents to my Mortgage company and they told me it was not enough to prove that the lien was paid off. In XXXX they said they needed a XXXX tax bill to prove that the lien was gone. Well I waited till XXXX, paying double the mortgage the entire time, sent them the new tax bill and they paid it on XX/XX/XXXX. The last time I contacted them on XX/XX/XXXX they said that my Mortgage would drop back to normal in XXXX. I just got my latest statement and they are still charging me double. At this point I have paid more money into my escrow account than I have paid in interest and principal combined. I haven't actually " lost '' any money yet but I have been living paycheck to paycheck for the last couple months and I have had to go to bed hungry way too many times because of them. The negligence and unwillingness to help customers is pathetic. I hope that no one in this state ever has to deal with this company.
XXXX The complaint is in reference to the case number listed above. I tried to respond but I could not respond using the website. Yes, I did file bankruptcy but the creditor remains on my credit report. This is not resolved. I had not been informed of the 99 % interest rate on the loan. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.
Department Stores National Bank has violated the North Carolina Debt Collection Act 75-50 to 75-56. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

Department Stores National Bank has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular base telephone number using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ).
Lexis Nexis reporting bankruptcy without verification, there is a lot of stuff on their report for me that does not belong to me, I 've never lived at a couple of those addresses. How can they verify without signatures, the courts do not verify.
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX ( {$950.00} ), XXXX ( {$600.00} ), XXXXt ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my report.
I applied for a personal loan online at Cash Advance America. I was contacted by a representative by the name of XXXX XXXX, employee number XXXX, from the number XXXX that stated that I qualified for {$1000.00}. He stated that my payments would be $ XXXX monthly with 5.19 interest. He asked my credit score and I told him, he then stated that because it was so low that I would need to increase to {$1000.00}, take {$50.00} and purchase a XXXX XXXX  or XXXX XXXX and give them the information from the card, keep the receipt and mail it in the next day after I have received the deposit into my account. After following his directions, I gave him the XXXX Play card information and he then tells me that I would need {$75.00} in my account to get the deposit to prove that I have a bank account in good standing. When I told him that I didn't have it, he stated that he would need to transfer the money to my account through a mobile bank as a trial, and that I would receive my money the next day after the trial money was withdrawn and sent back to them. I never received any money and they have my {$50.00} from the XXXX XXXX card. He also stated that his supervisors name was XXXX XXXX. When he realized that I caught on that it was a scam, he will no longer answer the phone. It just rings and goes to a busy signal.
Loan comes out every Thursday last one came out  XXXX   XXXX  ,2017 havin g trouble being able to pay bills to live and eat as of this week my family and I will be in the hole  XXXX  by the time we pay rent as this loan came out plus we have rent this week and do n't have anyone to help us out make too money according to  XXXX  so I ca n't get help and my wife does n't get paid till another week and she had been out of work. We need help bad and having payday loans makes it worse for us we thought we were helping ourselves which really we are hurting bad we have  XXXX  kids and do n't know what we are going to do.
While trying to access my Experian credit report, during the process to access my report, it asked " You have recently ( 2012 gotten a home loan or something to the effect of having a mortgage ). I live in a XXXX bedroom apartment that my mother helps me pay for. I have no credit accounts or loans from ANY company, just a debt that I owe to my mother that I am using my social security payments to help me repay.