WillisBack/dataset-financial-user-claim huggingface dataset:
I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and Equifax have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have XXXX be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. Equifax had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.
On approximately XX/XX/XXXX, My wife took out a loan with XXXX XXXX XXXX XXXX to pay for a XXXX vacuum cleaner. First payment was paid on XX/XX/XXXX. After a few payments we wanted to pay off this high interest loan. So I took out a loan from my XXXX XXXX ( k ) to pay off this high interest loan. My wife XXXX XXXX XXXX XXXX to pay off the loan, via telephone. She made a payment of {$1500.00} to satisfy the loan. Then two years later on XX/XX/XXXX received a letter from XXXX XXXX. Stating that there was a remaining balance of {$61.00}. That was never paid and now there is a balance of {$560.00}, that includes late charges. I told financial services that I refuse to pay this amount. It doesnt make sense for me to take out a loan from my 401k to pay off balance of {$1500.00} and leave a remaining balance of {$61.00}. And if that was the case why did you take them two years to contact me about the remaining {$61.00}. They refused to work with me and only wanted to negotiate on a settlement and payment plan to pay for the {$560.00}. So now the have transferred my supposedly debt to Bass & Associates ... I contacted Bass & associates and explained my predicament. I offered to send them my paperwork I received from consumer financial. The best they could do was to lower amount lower amount by {$110.00} and offered me a payment plan ...
I was given a postponement day on my auction trustee date in XXXX they postpone it till XXXX XXXX under the understanding to sell home to pay my FHA loan to Wells Fargo I had a buyer qualified and contract witch they received, title company in process. Buyer sold their home to buy mine. Bank denied time for escrow to close and sold my house today in auction. Do n't understand I spent money to fix home and am on XXXX currently. I just want to payoff my loan, so I could buy a home for me and my XXXX grandkids. Was denied modification and was forced to sell home.
1 ) Dual Tracking : In XX/XX/XXXX, Wellsfargo was processing our loan modification without removing our property foreclosure. Agent were telling  us documents to fax in which we did but foreclosure sale date was not moved or stopped. As foreclosure sale date was set, I was quoted {$120000.00} to reinstate the loan, take care of escrow balance ; attorney fees and all other delinquency fees. Provided Wells Fargo proof of funds from the bank to extend sale date or remove sale date but Wells Fargo proceeded to sell my property on XX/XX/XXXX, after speaking to my bank manager who confirmed availabity of funds. 

2 ) We trained an attorney who sued Wells Fargo but Wells Fargo reached an agreement that if we should agree to dismiss the lawsuit without prejudice, Wells Fargo will reinstate the loan as it was and credit all payments, past due escrow balance, taxes and insurance to bring account current with no extra charges. A payment of {$130000.00} as settlement amount. 

3 ) On XX/XX/XXXX, Wells Fargo signed the settlement agreement upon the receipt of {$130000.00} in lieu of rescind the sale, reinstate the loan to current status, take care of escrow account and resume account activities. 

4 ) Wells fargo did not keep up their side of the deal because the payment of {$130000.00} was not properly credited to the account to take care past due escrow, payments, taxes, and insurance as was listed in the the detailed statement that was sent to us in XX/XX/XXXX regarding why {$130000.00}. 

5 ) Wells Fargo did not reinstate the loan as it was where Wells Fargo pays our taxes and insurance as we had requested and how it was prior to settlement of lawsuit but instead Wells Fargo added forced escrow to our loan and did not provide detailed account of how and our payment of {$130000.00} was disbursed. This caused them to do wrongful escrow analysis on our loan thereby tripling our mortgage payments and making it unable for us to make our payments. 

6 ) Wells Fargo also falsified interest only modification which we never requested and stated that our loan was an interest only loan when statements that was provided by Wells Fargo attorneys during lawsuit settlement in XX/XX/XXXX clearly showed our property as ARM and not interest only. 

7 ) Our original loan was taking out in the year XX/XX/XXXX in the amount of {$240000.00}. As of today, Wells Fargo has turned our lives to a nightmare with the falsified interest only modification which puts our payoff amount to {$350000.00}, our monthly payment form {$1200.00} to {$5600.00}. We have asked wellsfargo to let us know what our monthly payment was before the modification and how many payments were we past due to have requested interest only loan from an arm and how much difference was our payments before interest only and after interest only loan because we never signed for interest only modification, it is falsified. We have lived in our home for 18 years, have XXXX children here. It is not an investment property to be interest only.
I have a home mortgage at Wells Fargo. Wells Fargo increased my home mortgage after 12 months with more than {$120.00} without explaining why or noticing me. 
When I confronted Wells Fargo they started arguing with me and do not want to rectify the problem. This really seems unlawful and unethical!!
XXXX   XXXX   2017  I mailed a certified letter to Transunion and   XXXX   disputing collections on my account and asked that they verify the account and to not just say " account verified " after investigation. It is my right to ask for verification and it 's the credit bureaus responsibility to provide verification and debt validation. These companies failed to do so.
I would like to file a Severe Complain to Reliant Capital Solutions LLC XXXX OH XXXX for Fraud misrepresentation after notification in writing for improfessional collection activity practice regarding a case XXXX for XXXX XXXX XXXX XXXX XXXX University for the amount of {$19000.00} the Student never attend to Class and CampusWe present the dispute in writing with the support evidence documentation, the company constantly acting with treats phone call with not respectful and adequate language and ethics, they violated all the ruling under collection of the consumer act and license
I sold an item on XXXX For parts not working the buyer filed a false complaint saying he received an item that wasnt working. XXXX opened a case and ruled in my favor. Saying I clearly sold it for parts not as a working item. The buyer then went to PayPal and filed the same false complaint that I sold him an item that wasnt working. PayPal sent me an email notification on XXXX XXXX stating the following XXXX XXXX has sent you a message regarding the payment they made to you on XXXX XXXX, XXXX. They have indicated the merchandise is not as described. Deadline to respond : XXXX XXXX, XXXX I planned to send in a response but before I got a chance to send response PayPal closed the case on XXXX XXXX. In the initial email that was sent to me PayPal stated that I had until XXXX XXXX to respond, but for some reason the case was closed on XXXX XXXX. when this happen I thought I had no recourse because PayPal said the decision was final. It wasnt until the later that I realized that the original email said I had until the XXXX of XXXX to respond. Thats when I called PayPal and sent in documentation about my case. This was all ignored because PayPal would not review the earlier email that was sent to me. After some prompting I finally got someone to look at the original email and he agreed that I had until the XXXX of XXXX to respond. He got the case reopened, but PayPal still denied my claim because they said they sent me emails stating that they had changed the XXXX XXXX due date and were only giving 10 days to respond. How can they give me until XXXX the XXXX to respond and then later change the date to an earlier time? Also they said even if they had kept the original date of XXXX XXXX I still responded too late on XXXX XXXX. Once they closed the case on XXXX XXXX they said their decision was final and could not be change. So I thought I had no grounds to file an appeal. It wasnt until XXXX the XXXX that I remembered the original email said I had until XXXX XXXX to respond. On XXXX XXXX I immediately sent in documentation showing the buyer had made 2 false claims. When asked what they would do about the false claims they said they were not concerned about and they would take no further action. So now PayPal has refunded the buyer money plus they did not require the buyer to send my item back. 
( original email ) Hello XXXX XXXX, XXXX XXXX has sent you a message regarding the payment they made to you on XXXX XXXX, XXXX. They have indicated the merchandise is not as described. 
Deadline to respond : XXXX XXXX, XXXX Because XXXX XXXX has reported a problem, {$150.00} USD will be temporarily held. The funds will remain in your account but can not be withdrawn until this is resolved. 
If you cant resolve this issue, you or XXXX XXXX can escalate it to a PayPal claim before XXXX XXXX, XXXX. On that date, this case will automatically close. 
Once a case has been closed, it can not be reopened or escalated to a PayPal claim. We encourage you to respond to your buyer as soon as possible. 
Transaction Details Case number : XXXX Buyer 's name : XXXX XXXX Transaction date : XXXX XXXX, XXXX Transaction amount : {$150.00} USD Your transaction ID : XXXX
This account was paid to h hospital, they have hung up on me, calling me a liar. I have perfect credit meaning I pay my bills.
I had a balance with Costco 's XXXX XXXX Card, I paid that Balance in full : Date : XXXX/XXXX/2016 Confirmation : XXXX Balance XXXX Now Costco changed credit cards and Citibank took over the XXXX XXXX Card. 
Citibank says I owe them the exact same amount of money that I already paid XXXX, I checked my bank account and the money was pulled from the account to pay XXXX. 
Now Citibank is trying to double bill me and charging me fees and interest on top of it. 
I am not paying them because I already paid XXXX and if Citibank took over the accounts then they should have this information. I 've been back and forth with XXXX and Citibank and nobody is taking responsibilty and I shouldnt be having to deal with this. And I know for a fact there are tons of other people in the same situation as I am. 
Please help me resolve this issue
I was unemployed for four months ( XXXX XXXX through XXXX XXXX, XXXX ) and got a new job. I stayed current with my mortgage the whole time. After I went back to work I asked Ditech if I could get a loan modification to help lower the payments. In XXXX, XXXX, they told me to pay $ XXXX month for four months and then they would tell me what my permanent payment would be. After the initial four month period, I kept calling in to find out what my payment was supposed to be - I was told that the refi department was behind, just keep paying {$1400.00} - which I did. It took them 8 months after the initial 4 months to give me a final number and they reported me 60 days late for XXXX XXXX and 90 days late for XXXX XXXX to the credit bureau. They did not report for XXXX XXXX at all. I called to complain, but was told tough luck. Just for information sake, I am the XXXX of XXXX for a XXXX XXXX and know how to handle credit.
At an old job, I was signed up for an HSA account with HSA Bank out of XXXX, WI. After leaving that job, I spend the HSA down and then attempted to close the account in XX/XX/2016. I contacted them and exchanged closing documents in XX/XX/2016. In XX/XX/2016, they charged me a fee for no remaining balance. I contacted them and told them I 'd closed the account. They apologized and said it had n't been closed due to a fake oversight, and said they would close it. XX/XX/2016, I get another statement. I call them and they claim they will " expedite '' the closure. 

At this point, it feels like HSA Bank is refusing to close my account even though I have sent in all the paperwork so that they can continue to assess fees forever and it is impacting my credit. They are not a legitimate enterprise with these practices, and neither you nor your company should bank with them.
I received credit information regarding a background screening results for pre-employment. XXXX Mortgage XXXX has placed on my credit report that I have a XXXX lien mortgage agreement with them. XXXX indicates on my credit report that I opened an account with them on XXXX/XXXX/XXXX. I DID NOT sign a XXXX lien mortgage agreement with them. According to XXXX I have a XXXX lien mortgage that totaled {$90000.00} and I have a balance of {$62000.00} and I owe a past due amount of {$28000.00}. On my credit report XXXX indicates that in the prior 15 months I was 120 days late XXXX times. ( Due the math ). XXXX indicates on my credit report that I signed a XXXX lien mortgage to pay them {$680.00} for 120 months ( 10 yrs ). According to the credit report, I stopped making payments from XXXX XXXX so as a result it looks like I have made regular payments of {$680.00} for the past 12 yrs ( XXXX/XXXX/XXXX ) which totals my payments to XXXX to be {$99000.00}. Which I haveNOT. XXXX reports on my credit report that I stopped making payments as of XXXX XXXX. Since this was my last payment with XXXX I would like to review any payment records and my cancelled checks up to XXXX XXXX. According to XXXX as of XXXX/XXXX/XXXX I am 120 days past due. I had a XXXX lien mortgage with XXXX in XXXX on XXXX address and I had a XXXX lien mortgage with XXXX XXXX in XXXX on another address. XXXX resulted in foreclosures in XXXX and XXXX. In my opinion, I believe XXXX XXXX would not have allowed me to purchase another home in XXXX with a XXXX lien mortgage on my credit report with XXXX. At the time of that XXXX purchase I had a credit score of XXXX. Please investigate.
I mailed all the necessary paperwork off to XXXX to have these accounts that do not belong to me removed, and they have not investigated the matters or responded to me.
On .XX/XX/2018.. my car was totaled.. and my insurance company paid the car loan off.. witch was the balance owed..of {$15.00}. Plus I gave GAP.Insurance ... XXXX XXXX is the one I got the loan from. And they are saying that they only received {$12.00}. I called my insurance company and they provided me with paperwork of amount paid..witch clearly say XXXX. Santander is telling me that's not true.. my insurance company told me to file this claim.. so as of today..XX/XX/2018 it still says I owe them over {$2000.00} .. but what about my GAP insurance..what did I purchase it for ... PLEASE HELP..
We made a electronic bill pay through our bank that was incorrect and subsequently overpaid the amount due. When we advised VW Credit of the problem they REFUSED to return our money. Even after being assured by our bank that the funds had cleared, VW refused to return the overpayment. VW can not be trusted. Still have not been repaid for the over payment.
BoA, after collecting {$680.00} for a credit check and appraisal, was unable to get underwriting approval for my refinance because my home is subject to a leasehold, aka ground rent. In XXXX, ground rent is public knowledge and is available online via a simple address lookup from the Land Records Office ( XXXX ) and Dept. of Assessments and Taxation ( XXXX ). Furthermore, I chose a loan officer in XXXX to avoid issues like this - ground rent is common in a few states that I know of : XXXX, XXXX, and XXXX. If BoA knows it can not close a loan on a property subject to a ground rent, then it should not accept money or string customers along. In this case, I applied XX/XX/XXXX and on that date, paid for the appraisal ( {$670.00} ) and credit report ( {$15.00} ) and was denied at the end of XX/XX/XXXX! XXXX help me if this cash out refinance was to help with medial bills or school and not home improvements - I would be XXXX feet deep or a drop out because of the negligence and possible fraud committed by BoA. I have contacted BoA regarding a refund for the appraisal and credit report several times via my contacts on this loan ( Retail Sales Manager, XXXX XXXX ; Mortgage Loan Coordinator, XXXX XXXX ; and Home Services Specialist XXXX, XXXX XXXX ). I have n't even begun to calculate damages for stringing me along for XXXX months. 

I was extremely disheartened yesterday when I learned that a fellow XXXX resident had the same thing happen to him. I have encouraged him to file a complaint as well. The bottom line is that BoA is unfit to do mortgages in XXXX. Plain and simple, no questions asked. We have XXXX cases of extreme negligence bordering on fraud. Cut BoA off from these deceitful practices in my state!!! 

Thank you, XXXX XXXX
I was financed XX/XX/2016 for a XXXX vehicle for my son, a Dodge Challenger at XXXX XXXX in XXXX, Tx. My son have been driving this car nearly 45 days. The financial institution was Regional Acceptance Corporation we were preparing to make a payment this week and now we are told its not financed, all this time has passed and these people have been running my credit without me knowing which has dropped my score tremendously now I may not be able to purchase another vehicle since this has happen my score was XXXX now its XXXX. I gave them bank statements, income statements and award letters when applying for this vehicle. I went back too XXXX XXXX three weeks later because I started receiving letters from others financial institutions turning me down for the same vehicle the Financial Manager told me that I was approved and did n't know why that was happing and not to worry about it he also told me when the payment was due and again that Regional Acceptance Corporation whom I was financed with.
I have sent numerous comoldings on XXXX XXXX XXXX XXXX. I have madeany phone calls that have not been returned by XXXX XXXX XXXX. I sent to them my information about the identity theft but again no response. I have also requested from them a copy of the SIGNED contract from Capital One Bank and they have yet to provide it. They have now sent me a Motion of Summary Judgement that I received on Saturday, XXXX/XXXX/2016. I plan to file my rebuttal with the court clerk no later than XXXX/XXXX/2016. This DEBT IS NOT MINE!
On XXXX XXXX, we started our process to get a construction loan approval with BBVA Compass in XXXX, TX. After giving all our information and running our credit we received pre approval for a loan. The loan officer then quit. XXXX from XXXX office referred us to another loan officer who was not qualified and then after a month finally referred us to a XXXX XXXX out of the XXXX, TX. We submitted our paperwork again in XXXX XXXX over the phone. Every Friday new paperwork was asked to be submitted and was faxed to XXXX XXXX the loan processor. Every month was a new promise of closing by the end of the month. Our credit report has been run about 3 times. It is now XXXX XXXX and we barely received our appraisal ( which we paid {$600.00} ) and have been told it will take another month to close on the loan. After repeatedly telling them and emailing them that our builder has given us a deadline regarding his material prices. Both officers blamed us for submitting paperwork late although we have the emails and fax reports that correlate our promptness. When I finally told XXXX XXXX that we will leave if our loan wasnt expidited and cleared within two weeks. She said it would be best if we leave and go with another bank. Both me and my husband have good credit, good jobs, our property is paid for, and we are only asking for a $ XXXX.
I had    XXXX     XXXX   XXXX  accounts that were included in my  2013    Bankruptcy that was  discharged  years ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  XXXX   XXXX  claims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!
I have been communicating with LoanCare regarding loss mitigation options for the foreclosure on my property now scheduled for XX/XX/XXXX ( tomorrow ). On XX/XX/XXXX I was informed all my documents have been received, that my application was now with underwriting and pending a final decision. When calling XXXX on Tuesday, XX/XX/XXXX, I was advised that my application is still under review with underwriting pending a final decision and that the sale date for tomorrow, XX/XX/XXXX is still active! XXXX   continues to leave me in suspense and continues to violate HBOR laws and proceed with the foreclosure despite the fact I am in a current pending loan modification review. I feel no matter what I do there is always something they are trying to sneak past me.
A personal loan, and credit card, and a XXXXXXXX XXXX account were fraudulently opened on my behalf with in XXXX XXXX, Co. I have never resided or was stationed in XXXX  XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. 

The following accounts were open : Navy Federal Credit Union Personal Loan : - $ XXXX- currently charged off. 
Credit Card : - $ XXXX- currently charged off. 

XXXX XXXX ( XXXX XXXX XXXX ) : - {$120.00} - currently collections I have requested information regarding these accounts from XXXX, and to no avail. 

Navy Federal has sent me a fraud account letter which I have completed and returned back to Navy Federal XX/XX/XXXX. 

I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.
XXXX XXXX XXXX # XXXX is illegally reporting to my credit report affecting my credit report and score THIS IS NOT MY ACCOUNT please help me get this account remove asap ( according to FCRA 30 day full investigation should take place )
I was one payment away from getting my LTV below 80 % and thus getting rid of a $ XXXX/mo PMI payment. Just before the payment was made, my loan was sold by XXXX to Chase who subsequently changed the rules. Chase requires XXXX % LTV or a new {$450.00} appraisal, a very unfair practice to keep me paying PMI when I was so close to getting rid of it. My home was valued at $ XXXX and Chase will not honor that appraised value. A new appraisal would surely be more than the XXXX Assessor 's value of $ XXXX but I feel it 's unfair to ask me to shell out another {$450.00} to prove it. Or to continue paying PMI until XXXX 2016 when the principal would be below 78 %.