WillisBack/dataset-financial-user-claim huggingface dataset:
I am in the process of doing a HELOC with Bank of America. The originator of my loan application. The originator said I could have my home appraised because I disagreed with their automated valuation tool. Today my processor tells me that BofA is refusing to send an appraiser to my house because I have n't made upgrades in last 365 days. It is my understanding that I 'm entitled to a appraisal from a licensed appraiser if I disagee with their home valuation software aswell as I was told by the orginator before I applied.
I am being harassed by frequent, annoying phone calls. These calls are coming through on my personal cell phone. They have no permission to call my cell phone. They are waking me up in the morning and calling all through the day.
XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Equifax EQ # 1 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX XXXX # 1 XX/XX/XXXX sent, response recieved, XXXX XX/XX/XXXX, no changes XXXX # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. Thank you.
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX   4. XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX 5. XXXX XXXX/ XXXX
Received a physical letter in the mail from iMOVE Mortgage in regards to our FHA waiting period ending. After reading and receiving the letting, I called the company this morning at the number on the letter, XXXX. 

The gentleman who answered the call was rude and was arguing over my request to simply remove my address from future mailings. I informed him as well that if I would be interested in refinancing in the future, I would initiate that with a company of my choosing. 

At this point, I do not truly know if my address will be removed from their mailing list as requested. The argumentative behavior from the gentleman was unnecessary, impolite, and bad business. This simple request should not have been treated as such.
Experian has been sending multiple charges to my XXXX XXXX credit card for services I have never signed up for. Obviously these are fraudulent charges. I tell XXXX XXXX to refund the monies and they do while stopping the account and sending me a new card in the mail. As soon as I verify the new card, when it arrives in the mail, the charges come right back. 

I've done this 4 times now and even had my credit card company block Experian from charging my card but it doesn't stop them. It makes no difference. I tried contacting Experian at 5 different numbers and can not get a live person to talk to, just automated prompts. Out of frustration, I went through the prompts to act like I had an account and I wanted it cancelled. As soon as I said cancel this service it says that I don't have a service with them. I know that already, but it just further proves these charges on my XXXX XXXX card are fraudulent. Still no way to contact Experian. 

I've seen this same scenario online about Experian charging others for services they didn't sign up for, and no one can contact Experian. It's madness to be in this loop with seemingly no way to resolve this.
I graduated college in 2010, 8 years ago with a total debt of XXXX. Now the current principal balance is XXXX? It has been 8 years and I havent even touched the principal on my private student loans with Navient. Also the only federal debt that I have paid off over those years is a grand total of XXXX . I feel as though I have been misled, and convinced to go into certain payment options that did not benefit me any way. There had to have been a misallocation of the money I was shelling out to them over the years. I also have tried multiple times to get them to work with me on repayment options, Income based repayment etc. and have been denied. I have a daughter, wife and home to support and they will just not bend for me. Then it wasnt until today where I did some digging only to come to realize that 3 our of 4 of my private student loans had not only not been paid down, but I owe more money on them now. 

Signature student loan XXXX starting balance was XXXX . Now the current principle is XXXX , XXXX $ added. 

Signature student loan XXXX starting balance was XXXX . Now the current principle is XXXX , XXXX $ added. 

Signature student loan XXXX starting balance was XXXX . Now the current principle balance is XXXX , XXXX $ added. 

So over the course of 8 years not only were my loans not paid down, I actually owe more now. Do note, during these past 8 years I have been paying them through automatic debit and online. I feel as though I have been treading water for 8 years instead of making any headway on the 9 loans I have with them. I feel as though this company is misleading and of no help to the students that they bound up for life. Pretty unethical if you ask me, if you can help in anyway I would appreciate it. Thanks for your time. 

XXXX XXXX
My claim is against Capital One. There was a fraudulent application submitted in my name on XX/XX/XXXX. XXXX XXXX caught it and I received notification about it. The same day I called Capital One and cancelled the application notifying the company about fraud case. Since the account was never opened in XXXX Capital One apparently does not have an ability to properly track this information. 
I have spoken with numerous individuals at the company in the attempt to resolve this issue. 
I want Capital One to remove inquiries from all 3 Credit Bureaus. The first person failed to tell me that I would need to apparently provide the proof of the fact that inquiries are appearing on all 3 Credit Bureaus after verbally admitting to me that they ran my credit and placed hard inquiries on the report. 

XX/XX/XXXX I finally receive a letter from their Credit Bureau Resolution team with a case # XXXX, which is asking for bunch of additional information. On XX/XX/XXXX I filled out all the paperwork and send it back to them. 
On Monday XX/XX/XXXX I spoke to Janye ( 1,5 hrs cal duration ) CSR from not sure what department who admitted to having all the documents I sent in XX/XX/XXXX imaged and on file. She also attempted to get in touch with application department but due to timing ( 4 months ) apparently the application back from XX/XX/XXXX is now archived and they did not have access to it. The only accounts that they were able to locate were closed over 5 years ago. 

Application department representative refused to allow me to file a complaint with their internal department - stating they did not have one and would not escalate the call in order for me to get some type of resolution with my grievance. 

I have spent over 24 hours of combined time on the phone with Capital One company and every time - every single person insist on having me re-telling them the story with promises of resolving an issue and it never get done. Lastly, I spoke with the Escalation Supervisor today who acted as if she could not get to any information regarding my case and stated that they needed more and additional information from me in order to resolve this issue - when I told her NOT to transfer me to application department she did it anyway - which makes me feel that this company hiring uneducated, careless individuals, who abuse customers and don't care about providing appropriate level of expertise or resolution to customers when they wrong them. This is unacceptable practice!!!! And if I am being treated so poorly I am pretty sure there are plenty of other people who had to go through the same horrible experience. 

Frankly I would like to be compensated for all the time I spent with this nasty company on the phone without any resolution. Additionally, had two representatives hang up the phone on me. This the worst practice I had ever incurred in my entire life. I will never recommend this company to anyone I know nor would I ever be Involved with them or ever use this financial institution for any of my financial needs. 

Please help!
Wells Fargo m aintains escrow account to pay  Flood Insurance  on my  two  mortgages. Submitted insurance bills to them on  XXXX  via Certified Mail. Called several times, was assured payments would be made. They have not paid the bills. An insurance lapse will increase each of my premiums $  XXXX  per year.
My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to XXXX, XXXX  and Equifax, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing them
According to my latest credit report, FREEDOM Mortgage has reported payments missing on mortgage account ( XXXX ) Credit report shows delinquent 30-59 days, 60 days and 90 days FREEDOM Mortgage reported delinquencies have resulted in a dramatic drop in credit scores. I find these delinquencies appalling and outrageous. Due to the numerous setbacks/delays and FREEDOM Mortgage authorization to miss two payments during closing on refinancing application, XX/XX/2016 Freedom Mortgage informed me that they could not proceed with closing until account had been brought up to date. I had been led that I was authorized to at least two payments, while preparing to close on refinance application. During this process their had been numerous setback/delays, with no explanation. Due to FREEDOM Mortgage 's unwillingness to process refinance application in timely manner, having been given the run around, having been deceived on several occasions and Title company continuous delays in approving subordination, I had been forced to enroll into the repayment plan for six months. I was in compliance with they terms and conditions. I even sent documents to support authorization to miss mortgage payments. Instead of FREEDOM Mortgage admitting that they may have been wrong and proceed to reassess the situation has proceeded to report negative comments on credit report which has resulted in a dramatic decrease in score.
I have been working with Coldwell Banker ( PHH ) for the past 12 months after my divorce in an attempt to lower my mortgage. they have been less than cooperative, demanding the same documentation over and over again, claiming non-reciept on every occasion. they refuse to cooperate and are unwilling to negotiate. It is a never ending cycle of noncooperation on their part. After months of frustration with Coldwell Banker I asked for assistance from XXXX XXXX XXXX development corporation to get a resolution for my case. I have been working with XXXX XXXX XXXX who can been reach at XXXX for the past 12 months. Even with his assistance I still receive the same response from Coldwell Bankers ( PHH ). Missing documentation letters or letters asking for the Home Assistance Packet to be filled out again? Meanwhile the amount that i owe keeps rising and Coldwell Bankers ( PHH ) also keeps tacking on huge late fee, which have been accrued due to them not coming to a decision on how to assist me.
RE : XXXX XXXX : BACK IN XX/XX/XXXX XX/XX/XXXXI WAS RESIDING IN XXXX XXXX XXXX I HAD RECENTLY MOVED IN TO THE COMPLEX IN XX/XX/XXXX. MY MOTHER PASSED AWAY AND I WENT INTO THE OFFICE AN SPOKE WITH THE RESIDENT MANAGER. I ADVISED HER MY MOTHER PASSED AWAY AND THAT I WAS MOVING BACK HOME TO CARE FOR ELDERLY FATHER. I PAID A SECURITY DEPOSIT WHEN I MOVED IN NOT SURE OF THE AMOUNT TO THE DIME BUT IA PAID OVER 1000.00 TO MOVE IN AND I GOT A MOVE IN CREDIT FOR XXXX. I EXPLAINED TO THE MANAGER THAT I HAD TO BREAK MY LEASE DUE TO MY MOTHERS PASSING I EVEN BROUGHT A OBITUARY BACK TO HER. IN XX/XX/XXXX SHE ADVISED SHE WILL WORK WITH ME AND I WOULDNT BE RESPONSIBLE FOR THE REMAINING OF THE LEASE. SHE ADVISED I SHOULD BE GOOD UNLESS THERE WAS DAMAGES. I MOVED THEN LATER ABOUT A YEAR XX/XX/XXXX I SEE THIS ON MY CREDIT REPORT FOR OVER 1000.00 THIS AMOUNT IS INACCURATE. I HAD A CREDIT FOR MY DEPOSIT AND THE AMOUNT I SHOULD OWE IS XXXX   FOR THE CONCESSION I RECEIVED UPON MOVE IN. I LEFT THE APARTMENT CLEAN NO DAMAGES AND CLEAN CARPET. NOW THEY ARE COMING AFTER ME WITH INACCURATE CHARGES. AT FIRST WHEN I SEEN THIS ON MY CREDIT REPORT AS OLEN PROPERTIES I WASNT SURE IF IT WAS A PREVIOUS PROPERTY MY DAUGHTER RENTED IN MY NAME WITHOUT MY KNOWLEDGE SO I DISPUTED AS FRAUD. I AM DISPUTING THIS DEBT DUE TO INACCURACY I WILL PAY THEM THE XXXX AND NOT A DIME MORE. THEY KEPT MY SECURITY DEPOISIT MY BALANCE SHOULD REALLY BE XXXX
Promptly and timely filed complaint made via telephone to American Express on or about XX/XX/2018, in regards to a lost credit card and a couple of fraudulent charges on my account, the account number was transferred to a new card number. Reported the charges to American Express as follows : all posted on XX/XX/2018, {$52.00} XXXX XXXX, {$170.00} XXXX XXXX XXXX, XXXX XXXX {$89.00}, XXXX XXXX XXXX {$67.00}. I was advised I was not responsible for fraudulent charges. Somehow, American Express coded my dispute incorrectly and sent me four letters dated XX/XX/2018, with copies of the credit sale and that the dispute was being closed.
Received a call from Np Group, stating I faulted on an online loan back in 2012. They told me my full social security number which I did not give to them and I tried to tell them I have never received an online payday loan. XXXX to a XXXX he hung up on my then spoke to a XXXX first time she hung up on me second time she said she can not give me any information by mail only online. I told her I do not due any business via online so she said she will contact cpap investors and note the account as unwilling to pay. This is a scam the number that called me was XXXX. I wish to be taken off thier list for I do not owe this debt and they threaten to contact my family members to get this resolved.
On XXXX/XXXX/2015 I went through a really bad separation from my partner. I went into Bank of America and had a teller assist in transferring all of my funds out of my joint bank account to a new bank account that was in my name only. Thirty minutes after I left the bank I received an email confirmation that my funds fell below {$25.00} in my old bank account, and I received a confirmation number that the funds transfer was complete. On Saturday XXXX/XXXX/15, the other party walked into Bank of America and withdrew {$600.00} from the account that should 've had a balance of XXXX. When I called customer service they told me that there were funds available in both accounts, which is crazy to me. On Monday XXXX/XXXX/2015, Bank of America did a reversal of the transfer from my new account back to my old account and said that since I transferred the funds on XX/XX/XXXX and set the account to close, that all transfers had been cancelled. They then overdrew my new bank account a lot of money and all of my purchases, including my rent payment that I made on XX/XX/XXXX almost bounced. I filled a claim with Bank of America and their claims department called me and told me that there was nothing they could do for me since the other party was on the bank account. My bank account is still overdrawn {$600.00} dollars since XX/XX/XXXX and they are refusing to take any accountability that they made a mistake when they transferred my funds. If I would 've known that doing the right thing but sitting down and having a teller help me with the funds was going to put my money in jeopardy I would have just pulled all my money out and went to a different banking facility.
From XX/XX/XXXX - XX/XX/XXXX I was in the process of applying for a pre-approval on a mortgage from Bank of America. XXXX XXXX, NMLS # XXXX was assisting me in putting the application together and asked for my current rental history. I live in a house co-owned by my father and I, and I transfer him money every month ( under no obligation or contract to do so ) to help him get by. 

The underwriter and XXXX initially assumed that I was renting the house from my father, and asked for me to provide a rental agreement or documentation. When I informed him that there is no agreement, and I have no obligation to pay rent, XXXX instructed me to forge documentation ( a " lease agreement '' ) saying that I have been renting my residence from my father for years in order to establish enough credit history to get my mortgage pre-approved. I declined, and our conversation ended.
XXXX Mortgage is reporting that our forclosure happend in XX/XX/XXXX, when in fact it took place in XX/XX/XXXX. It was then resold in XX/XX/XXXX but they are reporting false information. There are public document on the property at XXXX XXXX XXXX XXXX XXXX XXXX, AZ.
I have a bunch of fraudulent or inaccurate info on my credit profile. I am getting denied for jobs, I cant move into an apartment, I cant even get pre-qualified for a home! 


Hard Inquiries : XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX Collections non specific {$510.00} {$510.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$810.00} {$810.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX   XXXX Collection services {$810.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Collection services {$510.00} {$0.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX {$810.00} {$0.00} XX/XX/XXXX
I obtained a mortgage with Countrywide Home Loans now Bank of America.That mortgage was for {$120000.00}. In XX/XX/XXXX despite having made all my payments they filed an action for foreclosure in XX/XX/XXXX. I obtained a refinance from another company XXXX XXXX which will be the subject of another complaint as XXXX did not pay-off Countrywide despite having received 4 years of mortgage payments from me. After 5 years of working my way out of chapter XXXX then chapter XXXX bankruptcy in order to keep my loan I finally made it into a loan modification program. Of course in order to foreclose on me Countrywide/BofA filed phony paperwork, with forged signatures etc. etc. I did hire bankruptcy attorneys. I working contract did not work for three months. I started a new job XX/XX/XXXX. I notified my attorneys and also Countrywide that the first payment would have to wait until I got paid. I not actually being a career criminal like XXXX XXXX, have to wait until I got paid. Countrywide/ BofA refused to disclose to me the amount of the principle that I am required to pay. They are arrogantly demanding that I somehow acceed to their crazy XXXX demands for payment on their terms. I say this as BofA received billions of dollars in bail-out money despite using fraud to 1 ) Give mortgages to anyone who had a pulse 2 ) And throwing XXXX Americans out of their homes 3 ) No one in BofA/Countrywide ( XXXX XXXX ) has ever been criminally prosecuted for their financial crimes. Now I think Countrywide is demanding $ XXXX.Countrywide refused loan mediation demanding that I pay for it. I say I think because Countrywide has never given me paperwork. I would like to be a company that can flout the law, take a {$120000.00} mortgage and turn it into a {$250000.00} debt, never be prosecuting for their crimes, destroy people 's lives and never have to be held accountable. I would like to be a company that has done more to foster XXXX by tearing apart families, throwing people out of their homes, than any " XXXX '' alive or dead.I have worked my entire life, bought a house when I was XXXX. I have endured years of gender discrimination against women by working in XXXX.XXXX. And have had to spend years in court trying to keep my house which leaves me at the age of XXXX living in financial poverty despite having been a high earner my entire life. I have spent a small fortune on lawyers ( which says a whole lot about their competency ). I would like Countrywide/BofA to actually take the loan modification seriously and work with me to reduce the principle.I would really like people to be prosecuted for financial crimes.
Requesting payoff balances from JP Morgan Chase on a XXXX Mortgage and a XXXX Mortgage. The loans are residential and not a short sale. The Home is part of an Estate Chase will not provide the payoff balances to escrow. Our Attorney who handled the estate faxed to Chase the death Certificate and the superior court letter appointing the executor of the estate. Chase said have her call she called they would not talk to her without the same paperwork. ( Death Certificate and Court Letter appointing the Executor ). Faxed a second time got a file or ticket number. Executor called again they said they did not have the documents again refused to talk with her again and requested the documents again. Escrow and the Estate Attorney and the real estate broker faxed the documents again and got ticket numbers. Executor has been calling and escrow has been requesting the payoffs for over a week and still no payoffs have been provided..