WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this complaint to report Bova Financial Company  that does business out of California. In XX/XX/XXXX I called to get a modification loan. I talked to XXXX XXXX ( the owner ) and had told her that we would probably not qualify due to our income, but she reassured me that she could help. The amount they wanted was {$5000.00} to work on the loan. I was very hesitant to pay upfront, but she said it was a win/win situation. I would get the money back in full if we did not like the offer. All we wanted was a lower interest rate and a lower payment. Trusting them, we sent in the money. I was working with XXXX XXXX   to whom only worked with me for a month. I had sent all important documents via email and did not hear from them for quite a while. Then i got a guy named XXXX XXXX  working on it for a very short time. I told XXXX  this was taking too long for a loan. Then another lady, XXXX XXXX, worked with me for about six months. Throughout all these agents I sepecifically said I did not want the amount of years to change on this loan and that i wanted the original loan, a lower mortgage payment, and a lower interest rate. All this time XXXX XXXX XXXX was calling me daily and XXXX  told me NOT to talk to them and that Bova was taking care of it. In all this wasted, stressful time XXXX   offered me a 4 month trial period of which XXXX XXXX  and XXXX XXXX   told me that this was my original loan that I owed 15 more years on and that it was 2 %. We agreed to the trial period thinking it was 2 %. When the trial was over, unbeknown to us, XX/XX/XXXX, the loan mod was a 40 year loan without a change on the mortgage interest. After all of this, I had continually asked for my money back. Then XXXX  assigned XXXX to do a refinance. She did not last long. XXXX  then refered me to a refinance company, XXXX. I could have already refinanced 2 years ago. It has been a nightmare to say the least, XX/XX/XXXX - XX/XX/XXXXand still not good offers. We are angry and we trusted the wrong company.
I applied for an auto loan and authorized only XXXX XXXX to pull my credit. I had XXXX companies later pull my credit that same day. I provided no authorization, asked for proof, and then contacted the XXXX to see if it was from dealership or individuals. No information could be given. I was unable to dispute through any phone or online channel. I did not apply for credit and the hard inquiries in the last 6 months at each credit bureau should be removed except for the XXXX XXXX inquiry. All other inquiries were done either by an individual or dealership without my authorization. No new loans have shown up at this time but I may be a victim of identity theft or improper authorization. Not one of the credit bureaus could assist by phone or online. I purchased a vehicle from XXXX XXXX and I approved the quote from XXXX XXXX who then verified my credit and approved the loan. I should not have up to XXXX inquiries at each of the bureaus for this. I request each bureau delete the unauthorized inquiries in the last 12 months or provide me with written proof that I authorized each bank to pull my credit. The only authorized inquiries in the 12 months are XXXX XXXX and XXXX XXXX.
On XX/XX/XXXX, XXXX XXXX reported my auto loan as being in a charged off status to the credit bureaus! When in fact my account is and was current and actually due for the XX/XX/XXXX payment at that time. I called XXXX right away when my mortgage company advised me of this on XX/XX/XXXX. The representative opened a claim for me, stated they fixed the error and that this was their mistake. Today, XX/XX/XXXX myself and my mortgage representative called to see if we could get a letter of resolve and the representative told us that they had no record of my call and no claim was ever filed! We were then transferred to a supervisor. At this point the supervisor stated that the account was current and they would start a dispute with the credit bureaus to fix this but it would take up to 45 days to be corrected. I told them that I was set to close on XX/XX/XXXX and that this was not acceptable, especially since this was their error. She stated that they could not provide any type of letter confirming the mistake and that the account was not charged off and current. This is going to cost me my home and my deposit if I do not have this corrected by the XX/XX/XXXX ( 24 hours prior to closing ). The builder stated I would be in breach of my contract. I am only in breach because of this horrible error that XXXX has made and will not fix promptly.
On XXXX XXXX, 2016 I made a payment of {$2400.00} to Bank of America for my AAA Visa card not realizing that I was signed up for auto pay, so on XXXX XXXX, 2016 the auto payment of {$2400.00} was posted again. I received a statement from Bank of America showing that I had a credit of {$1300.00} ( copy enclosed ). ( in the mean time AAA switch banks and as of XXXX XXXX, no longer have a credit card with Bank of America ) so I called Bank of America on XXXX XXXX, and asked that the credit amount be transferred back to my bank account, I was told that it would take 3 to 5 days for it to post. On XXXX XXXX, I received a letter from Bank of America dated XXXX XXXX stating that as I requested they had transferred {$1300.00} back into my account. 
On XXXX XXXX, I checked my bank account I the transfer had not posted, I then called Bank of America and told them, the person that answer the phone told me that sometime those transfer take up to 10 days. I called back later to ask why would a electronic transfer made on the XXXX, take 10 day to post. This time I Talked to a rep named XXXX after I explained my problem she said the only thing she could do was to file a complain ( no:XXXX ) she gave me a phone number and told me to call the next day to see what they had found. On XXXX XXXX after checking by bank account and finding that the refund had not yet posted I called Bank of America again this time I talked to XXXX who after going thru the whole story again talked to her supervisor who told her that the problem was that as of XXXX XXXX they had no access to my account and that I should call the new bank because they now have my information, this puzzled me but I went ahead and called the new bank ( XXXX I do n't have any other info on the new bank because I have not yet received an statement from them ) they told me that they do not have any info on my account as of XXXX XXXX. Still puzzled as to why the new bank would have anything to do with my overpayment that was made to Bank of America I called back this time I talked to a rep named XXXX, she told me that I had to wait 30 days for the refund to post on my account she did not say anything about not being able to access my account, I questioned why a wire transfer would take 30 days and all she could say that that was the way it was. 
I have spent hours on the phone trying to find a solution and all I get I the run around every time I talk to someone I get a different story, I am filing this complaint because I do n't know what else to do, and I need to get my money back.
I am a US citizen and was interested in buying a horse from XXXX. A local XXXX, XXXX XXXX, was contacted by my buyer agent to perform a pre-purchase XXXX exam of the horse. XXXX XXXX was instructed by email to follow the usual procedure for these exams, which is to begin with a review of medical records, if all is well, then proceed to a physical exam. If anything important is found, stop the exam and contact us for authorization BEFORE proceeding with more expensive tests such as XXXX, etc. He agreed to this arrangement in writing and required my credit card information before scheduling. 
On examination, he noticed an XXXX on the horse 's XXXX. The medical records revealed the horse had XXXX a few months before ( and was NOT disclosed to us by the owner ). This is a significant finding and disqualified the horse from purchase. Instead of stopping the exam at this early stage and notifying us, as agreed, the doctor instead continued billing with expensive and unauthorized testing totaling {$3900.00}. 
I tried to resolve this with XXXX. I offered to pay him {$200.00} for his review of records and initial physical exam of the horse when he first saw the XXXX. No response. 
A credit card dispute was immediately started with Chase. Multiple documents and expert opinions supporting my request for a chargeback were submitted. In good faith I made the same offer of {$200.00} which Chase accepted payment. The dispute for the remaining {$3700.00} dragged on. 
Over 4 months later, Chase rebilled me for the {$3700.00} amount. I will appeal this decision again and institute a complaint with CFPB.
I pay Wells Fargo approximately {$1500.00} annually for PMI insurance. On or about XX/XX/XXXX I contacted Wells Fargo to get PMI insurance canceled. I felt that my Husband and I had 20 % value in our property to remove PMI. We owned approximately {$260000.00}. XXXX appraised the property at about {$320000.00}. Wells Fargo insisted that we had to use their appraisal company. Their appraisal company came below the value of our home at approximately {$290000.00}. This denied my request for PMI removal and I am still paying as of now. On or about XX/XX/XXXX we contacted Wells Fargo again for PMI removal We stated that the use another CT certified appraisal company instead of their 's would be a more fair and accurate appraisal. They said no. We feel that there is conflict of interest in this because the appraisal company has a financial dealings with and possibility ownership by Wells Fargo. I owe approximately {$250000.00} in my mortgage which gets paid biweekly that means extra mortgage payments each year. I have excellent credit and never have been late in payments. To have my PMI removed my property needs to be about {$320000.00}. XXXX valued my property for around {$340000.00}. I found that Wells Fargo had a lawsuit brought against them. The lawsuit stated that Wells Fargo 's had a unfair practice for PMI removal and their appraisals that was done came below the value of the homes and many still pay for there PMI.
CITI bank issued a refund check for the amount of {$3000.00} on XXXX/XXXX/2016. I tried to deposit the check into my XXXX checking account. But, XXXX never released the funds to me saying that CITI placed a hold on the issued check. As a result XXXX suspended my checking account. When I called the CITI bank they issued me a replacement check for the same amount and I deposited into my XXXX XXXX XXXX checking account and it 's cleared. But, CITI is charging the first check of {$3000.00} on my credit card account ( but I never received these funds ). It 's impacting my credit score and each month CITI is generating statement with 23 % APR on the {$3000.00}. It 's been more than 2 months but the issue was not resolved. I contacted CITI and XXXX several times, but they never resolved this issue.Please help me to resolve this issue.
RE : Wells Fargo 1st. Mortgage loan # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and EquityLine w/ FlexAbility : # XXXX XXXX XXXX XXXX XXXX XXXX Home located at : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WA XXXX My husband XXXX XXXX XXXX died on XX/XX/XXXX. 

Wells Fargo held both our mortgages. There were two loans against the property. The first mortgage which was in both our names, and a second loan which was an equity line of credit in XXXX name only. 

XX/XX/XXXX I communicated XXXX death to Wells Fargo and started the process of removing his name from the mortgages via loan modification. During this process I asked if we had insurance on the mortgage against either of our deaths. I was told that there was no insurance. I requested that the loans be consolidated. I was told repeatedly that the equity line of credit account had been written off/forgiven and that I did not have to make any further payments. 

The first loan was modified. 

Subsequently, there has been a circus of mishandling the equity line of credit involving Wells Fargo lying to me constantly about whether the loan was written off or not. Eventually, the home was put into foreclosure. 

Now after three years I have been told there was insurance after all and that the equity line of credit has been paid off and the balance is XXXX  and the lien has been released. Hopefully that's true, but I haven't seen it in writing yet. 

OK now my complaint is that I was wrongly told there was no mortgage insurance and was put through XXXX and expenses I could not afford. Furthermore, I believe a the time of XXXXXXXX XXXX death, we had insurance against the first loan as well. Since Wells Fargo was negligent regarding insurance on the second equity line of credit, they were probably wrong about the first mortgage. 

Please conduct an investigation into the mishandling of my mortgages after the death of my husband, Please determine whether I had mortgage insurance at the time of XXXX death on both loans and whether the first mortgage should have been paid off by the insurance company prior to modification. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX XXXX
In the year of XX/XX/XXXX I, XXXX XXXX XXXX gave permission USAA Federal Savings Bank by phone with XXXX XXXX XXXX to apply my name as a co-signer to his purchase of a XXXX XXXX XXXX for {$6000.00}. I did not receive any paperwork regarding his purchase. Without my knowledge in the year of USAA Federal Savings Bank aloud XXXX XXXX XXXX to trade the car in for a XXXX XXXX XXXX without my consent. The USAA Federal Savings Bank did not reach out to me by phone, letter, or email to inform me that this change was being made and or get my consent to apply my name to the purchase of {$32000.00}. When I found out about this new loan it was three months after the loan was finalized, it was brought to my knowledge when I received the late notice of his payment. After discovering this new loan, I contacted USAA Federal Savings Bank and asked them why they would place my name on a new loan without my consent or signature. The USAA Federal Savings Bank representative confirmed that this was not supposed to take place but also informed me that they would not be taking my name off of the loan. USAA Federal Savings Bank stated it would be my responsibility to get him to refinance the loan in his name only. Then in the year XX/XX/XXXX, the USAA Federal Savings Bank aloud XXXX XXXX XXXX to traded the XXXX XXXX XXXX in for a XXXX XXXX XXXX XXXX. Once again my name was applied to this vehicle loan without my consent. I notified USAA Federal Savings Bank and closed out all my accounts dealing with them. For the last year, USAA Federal Savings Bank has refused to give me any information about the account or why they are still trying to collect {$27000.00} from me after the XXXX XXXX XXXX XXXX was wrecked and most of the loan was paid off. They have turned this account ending in XXXX over to a collection agency and no one will talk to me about it, or tell me if he received any credit for the XXXX XXXX XXXX that was turned in due to XXXX XXXX XXXX 's lack of ability to make the payments for the vehicle, nor, for the XXXX XXXX XXXX that was wrecked. The Insurance company was supposed to pay most of this vehicle loan off for once the XXXX XXXX XXXX was wrecked. Could someone look into this and find out is this legal because I feel like I am being held hostage by this situation being on my credit report. This item should be taken out of my name and off of my credit report leaving only XXXX XXXX XXXX and USAA Federal Savings Bank to be liable for these loans. I do believe USAA Federal Savings Bank owes me because everything I have bought on credit since the year of XX/XX/XXXX, I have had to pay more for.
My loan repayment terms had changed based on my requesting and having been approved for a forbearance on the loan. The first month of my forbearance repayment period was subsequently erroneously recorded on my record ( and thus on my credit report ) as having been a late payment- this was incorrect. I called the loan company who then corrected this on their own records but this error continues to be negatively effecting my credit and remains on my credit reports.
I was exposed in the XXXX  data breach. All of my personal information was exposed and I starting noticing fraudulent accounts and inquiries that I never authorized. I also started receiving call from debt collectors about accounts I have no knowledge of. I have incorrect account information being reported by XXXX XXXX XXXX XXXX AS WELL.
I filed a Chapter XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an Order of Dismissal on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of XXXX or 10 years. 

I have contacted Transunion, XXXX and XXXX over the past two years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a Chapter XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by Transunion, XXXX or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.
WE had XXXX and we moved so they came and removed the equipment. We were in a 2 year contract, we tried several times to get someone to come to our new home to install the equipment and appointments were not kept. We received this threat letter in the mail. The collection company wants us to pay XXXX to XXXX XXXX Now, I do not know who they are since we contracted with XXXX. We do not know what the XXXX is for as the letter does not explain, they just want us to pay.
I read about the class action suit against Navient, formerly XXXX XXXX. I would like to stay informed as I believe I am a victim of misinformation, deception around repayment options. I graduated from XXXX XXXX in 1995 ... yes 1995 - 23 years ago! I have paid my loans for years, however at various times ran into financial difficulty, job layoffs, had children and could not work and simply financial hardship. The interest charges have accumulated SO MUCH over the various forebearances that were suggested to me that as of today my balance due is MORE THAN the original loan amount! I owe more today than the amount I borrowed 23 years ago! Time after time I called to discuss financial hardships and was immediately pushed towards forbearance. At times I was told there was no option to lower my payments and I pushed and they were able to find a plan for me. I was told I am not eligible for any type of loan forgiveness & that as part of the income sensitive repayment plan even if I'm on it for 25 years that this program is not eligible for loan forgiveness. I had to claim bancruptcy about 10 years ago & was told i could not include my XXXX XXXX student loan. I will die someday with this student loan debt! I will never pay it off. I am currently on the income sensitive repayment plan that I have to renew yearly. Reading the article really hit home and I hope these thieves are ultimately the ones that lose out after they have contributed to stress and anxiety that so many suffer from due to debt that is suffocating them ... all while these executives collect XXXX dollar bonus checks comprised of hard working, bill paying American citizens!
I refinanced my home with USAA and did not receive copies of any of the loan documents that I signed. Additionally, I received {$310.00} less than the amount identified on my final Closing Disclosure form.
I DEMAND THAT THIS NOTE BE SHOWN TO AN FCRA LAWYER! 
Dear FCRA XXXX - Please explain to the employees of your company - who are handling my files - please explain to them that they are legally obligated to REMOVE false & un-verified derogatory items within in 30 days of dispute! 

Please also explain to them - that - in my case - that 30 days time frame EXPIRED A LONG TIME AGO! Because of that - they must fully remove all derogatory items from my files THE SAME DAY THAT YOUR COMPANY RECEIVES THIS LETTER! 

Please also explain to those employees that removal of false & un-verified derogatories of is matter of a lot of different kinds of laws! FCRA! CPA! FACTA! 

When XXXX passes laws about a lot of issues - XXXX - XXXX - XXXX - to quickly state XXXX examples - often these issues are connected to Credit Reports & Background Checks. 

A very large number of laws protect people from false & un-verified derogatories. A very large number of laws require ethical conduct by Companies with these kinds of files. These matters are about compliance with XXXX - XXXX  - XXXX & a very large number of other laws! 

Please help the employees of your company understand these concepts!
I 've used Citizen 's Bank for many years. In XXXX of 2014, they started taking monthly fees across XXXX different accounts. In some cases, there were XXXX fees in each month within XXXX account! I 've called and met with regional branches ( XXXX, XXXX, XXXX XXXX ) and did get ANY explanation as to why these accounts were getting debited. As well, the branch manager that promised to resolve this quit. On the bank statement, there is no explanation as to the nature of these new charges on old accounts.
I have written the 3 credit bureaus about the information that is contain into my credit report. I have been writing letters back and forth for a while now concerning the alleged student loans that has been inserted into my credit report. I have also provided a police report, I have also written the Department of Education, USA, XXXX XXXX, XXXX all of whom I am finding out that continues to past the baton to the next entity. I have asked for a record of account ( s ) so that I am able to see where this allege loan ( s ) went. All I have receive from Department of Education, XXXX was a bill. There has not been any original documents which is signed in wet ink by me. 
The time frame was during XX/XX/XXXX-XX/XX/XXXX. 
I have asked that this information be deleted from my credit file. The bureau ( s ) Equifax and XXXX have Deleted the information, then every 30 days or so after the dispute re-age the information which continues to affect my credit score. Information that is presented on the application is incorrect. Loans are being transferred and sold from one lender to the next. I have been following cases where XXXX XXXX, XXXX has been sued in court. I have also done my research that many of these students are insured by surety bonds, and the loans has been paid through the surety bonds and then the schools loan providers violates potential students. 

I have asked Equifax and XXXX not to put disputed items into my records, I have asked the bureaus to send me the contact person who was supposed validated the information that I have request without going to the data storehouse such as XXXX XXXX, XXXX. This is not properly following the law. The Student Loan providers are extorting money from people in general because if a loan has been defaulted, the lender takes out what is known as a surety bond that covers the loan. This is how loans are being then past or transferred over to another lender, then the lender comes after the supposedly student, and finally continue to report derogatory information on a individual credit report. This is damaging peoples credit.