WillisBack/dataset-financial-user-claim huggingface dataset:
We have been retained by XXXX XXXX to help resolve the foreclosure of her home. We submitted a full modification application on her behalf to Ocwen on XXXX XXXX, 2017. OnXX/XX/XXXX I called to find out why I had not received any acknowledgment of the file. I was informed by the representative that there was no open file, that the file had not been set up for review because the did not have any programs available. When I asked why not I was told that they did not know the answer. I wrote a letter to Ocwen escalations asking for an explanation. I was informed that on XX/XX/XXXX it was decided that the file did not qualify because they only have 2 mod options, one for loans less than 90 days delinquent and another for streamline mods and that she does not qualify for either. The loan is definitely more than 90 days delinquent so that I understand. I do not know how they know she does not qualify for a streamline if they did not review her file. I do not know the criteria for that program and they will not give it to me. I asked for an NPV evaluation and was told they do not have one because they did not review the file. Additionally, if the streamline program does not require a mod application submission I do not see how you can " Not qualify ''. To date, I have received no further explanation of the denial nor any options available to save the property.
I purchased Ethereum from Coinbase on XX/XX/XXXX for {$200.00}, Litecoin on XX/XX/XXXX for {$150.00}, and Bitcoin on XX/XX/XXXX for {$210.00}. My Coinbase account was credited for these transactions. Then on XX/XX/XXXX, the transactions were reprocessed through my bank account. I disputed these charges with my bank because I did not make them. No additional cryptocurrency was credited to my Coinbase account for the false charges. The charges were refunded to my bank account. On XX/XX/XXXX, Coinbase removed {$570.00} worth of cryptocurrency from my Coinbase account. I have emailed them many times and created numerous support tickets to no avail. Coinbase will not credit my account or issue me a refund for the {$570.00} in cryptocurrency they removed from my account. Their customer service is mostly email bots that can not assist consumers with their actual issues. Their customer service is non-exsistent.
I have been attempting to get my payments to a manageable amount for loan sequence three. I have been reaching out to servicer AES who said they have contacted XXXX but have not heard anything back. This has been going on since XX/XX/2017. XXXX has acknowledged they have received the request in a previous complaint but have yet to respond. In the meantime my credit is being hurt due to them not responding. I am attempting to pay the debt I just can not afford the current payments.
Dear Sir/Madam, This is the letter of complaint about a loan application through     XXXX   XXXX   We applied for a loan at the end of  XXXX  to buy a condo unit in  XXXX . Mortgage broker  XXXX   XXXX  advised us to apply for the loan as a secondary home, and assured us from the beginning that our application will be approved. Trusting his assurance ; we paid initian fee and started the process. Projected closing date was the end of  XXXX . We were asked for tremendous amount of paperwork and never given the guidance how to prepare it. We enrolled brokers ' supervisor but again without any support. We did not complete the process in time as our phone and emails/text messages never returned timely. Eventually, our application was denied and information was not given directly to us but to our real estate agent. The reason for the denial was that wrong type of loan was applied for. We were told that we should have applied for different type of loan from the beginning. With the fear of loosing our downpayment ; we ended up applying higher rate with higher points, which costed us  XXXX  $ extra money.   If we were told the truth from the beginning and treated timely and professionally we would not go through this misery.
I looked up my credit report on XXXX XXXX, saying that i owe {$50.00} to XXXX med center through Allied Collection Service. Not sure what this charge even is, the date goes all the way back to 2013! There is a hard hit on my credit for something i know nothing about and i just want it removed.I am willing to a pay a portion of it but not if they are just going to take the usual {$10.00} off because i feel that i do not even owe this money. I have received no information on this and have no idea what it is for and if its even mine. I know this company wants to get paid so they need to work with my needs not theirs. Statue of limitations in Nevada is 4 years, this needs to be removed from my credit once and for all.
I wrote all XXXX credit bureaus : Experian, XXXX and XXXX asking them to verify through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. I demand to see verifiable proof ( an original consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove the accounts listed in my letter. However, their only response is that the accounts were verfied by the creditors but they still have not sent me anything showing me proof nor with my original signature That 's because they do n't have anything to send, so these accounts must be deleted a.s.a.p. I am a litigious consumer and know my rights. I am seeking legal actions.
I have earned over 300,000 Membership Awards points with American Express. My current balance of points is XXXX. On XX/XX/2018 I attempted to redeem points for gift cards. I received a message saying " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I called American Express on the XX/XX/XXXX to inquire and again today on XX/XX/XXXX. Today they told me it would be an additional XXXX weeks for my purchases to be analyzed. 

This is an unfair practice by American Express. I earned my points legitimately and now when trying to redeem are blocking me from doing so. I feel this is a bait and switch technique. American Express should release my points immediately or complete what should be a simple review within 5 business days.
While traveling overseas, I was given a drink that was XXXX for several hours. During this time my wallet was stolen, a merchant initiated fraudulent transactions totaling over {$20000.00} across every credit card in my wallet, then after I had awoken ( and not realized I was XXXX ) my wallet was returned to me as " found ''. I did not realize these charges were made until I saw fraud alerts on my phone the next morning. 

I have attempted to resolve the issue with Chase multiple times and they have rejected my case and declared " You notified us that this transaction is valid '' This is false. 

The charge in question was to a merchant I never visited nor can I identify. An internet search of the merchant yields no results and does not appear to exist. It was XXXX of the XXXX merchants that initiated charges on my cards that night. 

I have tried to contact them multiple times and have been told someone will contact me within 24-48 hours and no one ever does.
I have sent Equifax numerous correspondence in regards to my credit file being inaccurate. I am a victim of identify, and filed a police report and filed an identify theft report, and provided all of this information to Equifax. I have called over 3 times, and faxed my paperwork to them over 4 times. XXXX and XXXX have made the corrections, but, it has been 3 months and Equifax still responds that the information was verified. How can it be verified if it not mine???
On XX/XX/2018 an inquiry was made by XXXX XXXX  using my social security number. It is still on my credit report. This has affected my credit score and my ability to obtain credit from other creditors. I did NOT authorize XXXX XXXX  to run my credit to obtain any services from them! I called them and received a letter saying it was fraud and it still has not been removed from my credit report! I want this company fined! XXXX XXXX  is known to run credit without peoples consent! Please fine this company! This is affecting my credit report and my score!
I am going through a domestic abuse situation and need the full contents of my bank statements from the time I opened my account until now. Wells Fargo does not let customers view online ledgers past 18 months at all, and then charges {$5.00} per month if statements previous to the 18 month period are needed, or if they are printed at a branch. 
They are denying customers access to their own information, and then charging for the 'privilege ' of obtaining it when they ultimately have to contact Wells Fargo !
I disputed 2 student loan account with XXXX  XXXX about 4 student loans that are on my credit report. The loans reports the same address with different loan numbers and phone numbers but same mailing address. Account that I want deleted has the same mailing address a XXXX XXXX as the accounts that are valid. The accounts that are duplicated are set to move off my credit profile on XX/XX/19. I want them removed now because of the duplicate address. How can a company sell or transfer 2 student loans to another company sharing the same XXXX XXXX . My XXXX has one 2 student loans not 4 and my equifax has 4 student loans not 2. They must be affiliated in one way or another and should not be reporting twice effectively lowering my credit score. At this point I am demanding that the 2 student loans be removed from my credit profile for both XXXX  and Equifax ONLY. The account numbers are loan # XXXX XXXX Account # XXXX XXXX.
They have an XXXX account on my credit report that is more than 10 years old. the account was opened in 2006. i have sent a request to delete more than 4 times and also sent a copy of the payoff letter. they continue to claim it as a charge off but it should have been deleted 2 years ago.
On XX/XX/2017 an Open Collections appeared on my credit report from the American Adjustment of Burea Inc on behave of the original creditor XXXX XXXX of XXXX. The alleged debt owed is {$310.00} The first action I took was to dispute the collections with XXXX but they claimed to not be successful with the dispute. I am no form in relation with this company or debt, for I have never been to the XXXX of XXXX or have done any business transactions. There is no proof or documents showing me in relation to this debt and so it is clearly not my debt. Up to this day is it still on my credit report and it could be potential identity theft on their end about this collection.
I 've submitted 4 disputes for the same XXXX accounts and Equifax keeps saying they verified the information with WA state child support. I contacted the child support agency and they state they have never received a dispute from Equifax. I contacted the WA State Attorney General who contacted the Child Support Office and Child Support intern stated they would contact Equifax to have the accounts removed. I submitted the letter to Equifax along with another dispute and Equifax refuses to delete the accounts.
My credit account was covered by NFCU P3 payment protection plan. 

The claim they never received my initial request to activate the plan when I became temporarily XXXX. Calls to customer service did n't help. Have tried unsuccessfully to get them to admit that their process is flawed. 

All correspondence goes to the same address with no direct delivery to a particular dept. 

I was forced to watch my accounts go into collections then charge off with no way to escalate the matter. I could n't ' even get someone to call me back. 

At one point they claim I refused to mail in the plan forms. 

NFCU is so big they quite literally do not have to concern themselves with problems that arise. 

I actually begged them to sue me so I could get them in front of a judge so they can explain the P3 process but they seem to just want to squat on these accounts.
I was contacted on XX/XX/18 by a person claiming to be a Bank of America employee ( call was from a B of A # ) who stated that fraud activity was detected on my card ending in XXXX. I confirmed that was my card and the person assured me that she was canceling the card and would reissue a new one. She read me other recent activity on my account to confirm whether it was valid and sent text messages with authorization codes I was required to read to her ( also from a valid B of A text # ). As she was 'working to resolve my issue ', I began to receive other emails and text messages regarding activity on my account. I tried to log in to my account but couldn't. She told me she saw that I was trying to log in and would walk me through that step when we were done. She also said that she was handling the additional messages I was receiving on my account. After 1 hr 9 min on the phone, the call dropped. I hit redial from the # she contacted me on and was connected to B of A fraud dept. I explained what had happened and eventually I was able to log back in to my account to see that both my checking and savings accounts were depleted. This 'employee ' had transferred my savings funds to my checking account and authorized multiple ATM withdrawals and purchases in Florida ( I live in Arizona and had my card in my possession ). I opened a fraud claim with B of A, which has been denied. Because this person had access to all my personal information, I feel at risk for identity theft as well and have issued fraud alerts, a credit freeze and filed a police report. Bank of America couldn't possibly have actually researched this claim to come to the conclusion that the charges were authorized. I have submitted additional information requesting reconsideration of the claim, but have no faith that the results will be different. I've called multiple time and they are dismissive and unhelpful. They do not want to admit there are gaps in their security that allowed this to happen. Everyone should be aware of this because it could happen to them.
I disputed these addresses online and I have not heard anything from Equifax at all. I have faxed in information over and over again. And still they refuse to delete these addresses that are not mine. I only have been at XXXX XXXX XXXX XXXX, XXXX GA XXXX. The other addresses need to be deleted ASAP. Never have been affiliated with them. My drivers license is attached XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Delete this Employment GA XXXX XXXX XXXX XXXX XXXX XXXX
I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX TRANSUNION XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX TRANSUNION XXXX
I would like to express my sense of disgust with these XXXX credit reporting bureaus which abuse the consumers by posting inaccurate and unfounded facts on the reports causing an adverse financial injuries to consumer. 
1- These XXXX bureaus have mixed up my social security number with probably my cousins, or other family members and have caused that I have not been able to receive loans with proper rates. 
2- The parasitic companies like XXXX, XXXX which thrive on ripping off people have filed that I had late payments or I owe them. I have letters from them that I owe nothing and the information should have not been there. XXXX erroneously had applied my payments to another account causing late recording on my account. They promised to fix it and notify these XXXX disgusting credit report agencies ( Trans/etc. ) to remove the errors. It is still there and with impunity they have kept it there.
I have never been late on my  XXXX  accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.
City of XXXX is saying I owe them {$220.00} for service that continued at a rental home after I submitted a termination of services and paid balance due. They do not have the right to collect these funds, as I performed my due diligence - they left the services on until XX/XX/2018 under their own mishandling. I moved out of this rental XX/XX/2018 - and furthermore was due a refund of my deposit of {$250.00} - which was never mailed to me - so now a collection agency Penn Credit owns this debt - I was able to get it removed from my XXXX report - but was denied on both my XXXX and XXXX.
I had an auto loan with Wells Fargo. I paid the loan in full over 6 months ago. Wells fargo has failed to provide me with the pink slip title to the vehicle, even though I have made several attempts to follow up. Shortly after I paid off the vehicle I moved. At the time I updated wells with my current address. When I called to follow up, they said it was sent to my old address. I asked them why they did n't update the address and they could n't really say, but they promised to send it again. We made sure we were on the same page about the address. A couple of months pass and I get nothing. I call back again, and again they say they sent it to my address on file, which is my old address. When I complained bitterly about this they changed their story and said they sent it to my new address. I get mail here all the time, they never sent it or I would have gotten it. They refused to let me speak with a supervisor or manager. They are clearly having a lot of problems with their systems and procedures. That said, 6 months is more than enough time, and I have followed up with them several times. They are legally obligated to provide me with the title to my vehicle and I expect them to fulfill that obligation. I can not register my vehicle after moving to AZ without the title and I am now driving an unregistered vehicle thanks to Wells Fargo.
I have spoken to XXXX about 14 different hard inquiries on my credit report. They do n't seem to want to help me when I have asked them to provide paperwork or start and investigation to those inquiries. For example I had one XXXX XXXX XXXX Credit card ( which I have closed now, ) however, I have XXXX hard inquiries from them on my file which is outrageous. The customer service advisor and his supervisor were extremely unhelpful and would not assist me.
Below are the following listings : XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Utilities & Fuel ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXBank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXFinance ( XXXX ) XXXX
I found out on my credit report that pay pal smart reported me for being late on my payment which was {$3.00} dollars and something cents. I did not realize Pay Pal and Pay Pal smart were different company. I explained everything to them payed the bill with interest it came to {$12.00}. They said they would fix my credit reports and m take off the negative mark and put account back in good standards. Well that never happened. I have called them numerous times to fix this issue. It has dramatically affected the three major credit reporting agencies.. I has caused me problems getting a car loan and a new mortgage. I was persisted in talking WITH THEM AND THEY SENT ME A LETTER ON XX/XX/XXXX STATING THEY WERE GOING TO FIX THIS ISSUE WITH ALL REPORTING CREDIT AGENCIES. WELL ITS NOW XX/XX/XXXX AND NOTHING HAS BEEN DONE. THEY ALSO SENT ME A LETTER IN XX/XX/XXXX REPORTING BACK TO THE CREDIT REPORTING COMPANY 'S THAT THERE HAS BEEN NO MORE NEW INFORMATION AND THE REPORT STAYS AS IS. THIS IS WRONG. ITS BEEN ALMOST A FULL YEAR AND I HAVE NOW TOO MANY INQUIRIES THEY HAVE CAUSED ME A LOT OF DAMAGE PAIN AND SUFFERING DUE TO BEING DENIED CAR LOAN AND ETC. I WANT THIS FIXED AND I WANT TO BE AWARDED A SUM OF {$5000.00} FOR MY PAIN AND SUFFERING. 
THANK YOU XXXX XXXX
Capital One is listing a card on my credit that I am not owner of nor am I responsible for. It's another person 's card and it's not mine and never has been.
Midland Funding LLC has continued to collect and alleged debt from me and call my job, without verification as requested. I have never had an account with this company and have sent them many letter requesting verification but to no avail. Now i am receiving threatening phone calls from their agents stating that they are going to send a letter to my job if I do n't give them a credit card number. This is not my debt and I do not have any information from this company.
I called and asked procedure to have pmi removed previously, was told on the phone once its paid down to 80 % just call and request. When I called back to request was told I had to pay for a new appraisal. My home was appraised at XXXX when purchased I have paid balance to {$160000.00}. I sent a letter in writing stating I have reached the below 80 % range in addition sent copies of current XXXX which is now {$250000.00} and copy of current XXXX which shows {$260000.00} All payments have always been up to date, insurance kept up, taxes kept up my loan is eligible to have pmi removed and the mortgage company refuses to remove it unless I pay through them a {$600.00} appraisal fee. The property is well kept and worth well over the original purchase price. I have submitted proof and have requested pmi be removed in writing Its my understanding that is the process and the pmi should be automatically terminated but my mortgage company Roundpoint Mortgage Servicing Corporation refused to do so.