WillisBack/dataset-financial-user-claim huggingface dataset:
Today I received a letter from Wells Fargo Stating that our house is not qualified for FHA Mortgage Insurance Removal. I contacted wells several and explain the FHA rules in regulation regarding FHA Mortgage Insurance Removal, according to Wells Fargo agent ( XXXX ) he said were not qualified of removing our FHA Mortgage Insurance, According to their letter dated XXXX XXXX, 2016 " The mortgage insurance will expire is based on the original amortization schedule at the time of closing. According to that schedule, your mortgage expiration date is XXXX ( i ca n't find in the our contract ). You must also meet the 78 percent LTV ( loan to value ) requirement. Your mortgage will reach 78 percent LTV when principal balance reaches {$490000.00}. Your current principal is {$540000.00}. Please note that new appraisal will not be taken into consideration ''. The last paragraph stated " Please note the new appraisal will not be taken into consideration, this wrong statement. According to Federal Housing administration " one of the requirement can remove the FHA mortgage insurance based on new appraisal of the property ''. Now the value of our house is approximately {$10000.00} ( XXXX XXXX and XXXX XXXX thousands ). According to Wells Fargo we are not qualified to remove the FHA mortgage insurance and the appraisal will not be taken into consideration. Wells Fargo is wrong. I have the documents that I can prove that wells fargo doing is wrong, they are not following the rules and regulations of FHA procedure.
My lender Navient has steered me into costly forbearance for financial relief instead of less costly options. I was once not told a fee would be issued for a forbearance, I was made to understand that it would collect full interest while in forbearance only. Because of the fact i needed 1 month of payment relief, i believe is was deceived. Instead of deferment which i think would of benefited my situation i was forced into the costly forbearance for a 3 month period. This happened on 2 occasions, on the second occasion i was made aware of a fee is applied to forbearance. 

Navient has also changed their page design numerous times and it is confusing to navigate and pay loans.
I borrowed it for 120 months term.I started pay it from XX/XX/XXXX. I have not miss a payment not even once. Mine got sold to some company in XX/XX/XXXX and then again to other company.They changed the payment term from 10 year to15years without my permission or notice or even asking. Still collecting money every month and have significant balance is left.

I borrowed about {$20000.00} in XX/XX/XXXX. They said I still have about {$8000.00} left.

But I checked XXXX XXXX - it said my Balance is about a little bit more than {$3000.00}
I have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XXXX-18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.
I sold an item to a person through facebook page and he promised to transfer the money ( {$150.00} ) to  my Bank of America ( BOFA ) account. 
He sent me a screenshot of BOFA transfer where it says " your transfer is kept on hold for security reasons ''. I am attaching that screenshot here. 
He called BOFA and raised a claim on my account for {$1000.00} and {$1300.00}. He asked me for 6 digit code I received on my mobile so BOFA can release the funds. 
He told me that he transferred {$1000.00} and {$1300.00} by mistake instead of {$150.00} and asked me to transfer the remaining amount back. 
I did transfer the money to him through BOFA and it reached him. 
Next day, the claims which he raised on my behalf are cancelled as they are false. 
Finally I end up losing {$2300.00} to a fraudster.
Advcollbur - Advanced Collection Bureau is reporting a debt owed of {$2400.00} on my XXXX  credit report they are reporting inaccurate hold no validation of proof for this debt being my responsibility information and have yet to remove the inaccurate information as agreed
Sent a wire on XXXX XXXX, 2017 to Coinbase for {$20000.00} to deposit into my account with them. The name on the check did not match with the name on the account at Coinbase so they sent an email saying that they were wiring the money back to the bank. I have the email, the wire transaction when it was sent and I have been emailing them every day and trying to call. No one answers the phone and I get a generic email back saying that they are overloaded and will contact me. It has been almost a month and still no response and no money sent back.
RE : Un-Verified Accounts Pursuant to the FCRA & the FDCPA I am writing this complaint to exercise my lawful right to question the validity of debts that has been entered on my credit file and claims to have become due, derogatory and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section 609 disclosures to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified!

I understand that credit bereaus has violated my rights to report these items on my credit report! Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that you have not fully verified these accounts. You are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. You have failed to show that your agency verified the information and the accounts belongs to me and to show that your agency verified the information before you placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.
I get a phone call on my cell phone, almost every other day, from XXXX. My phone only rings once. I 've Googled the number and learned that they are a a debt collector. I have no outstanding debt. I have a credit score of XXXX. 
The XXXX call began XXXX XXXX, 2015. 
I want the calls stopped and any assistance you can provide would be very much appreciated. 
Sincerely, Frustrated
I keep getting calls from someone named XXXX. The recorded message says to call them or they will contact family members concerning an unknown debt. I did some digging and found this is coming from a company called XXXX which is part of World Wide Processing Group llc. Neither company have a state license to operate as collection agency from the state of XXXX. This is illegal contact under federal as well as state laws. If they have anything that is legal then they should send a letter to be within the law. No company can attempt to collect a debt from a citizen of XXXX without a state license to operate as a collection agency. These XXXX companies are in violation of XXXX state law simply by calling me. I would like to see them in court here in XXXX County XXXX where I live. I believe because of the illegal tactics used that anything they think they may have will not stand up to the light of a courtroom.
I had two credit card with Citibank. One ended in XXXX and the other ended in XXXX. In XX/XX/XXXX I mistakenly paid money onto XXXX that should have gone on XXXX. I received a phone call late at night from a Citibank employee with a thick accent telling me I was late in a payment. The phone call got disconnected. That person made no attempt to call me back. I had to call Citibank late at night when I had to get up at XXXX XXXX to be at work by XXXX. I am XXXX XXXX XXXX!!!! I was on the phone for hours trying to get someone to just move the money onto the correct card. I finally got someone and they assured me that they would do it. 

The next day I called to see if it had been done. No! I called Citibank repeatedly to confirm that people were doing what they said they would do. 

It has been A MESS!!!!!!! No one follows through at Citibank! 

I finally closed the card ending in XXXX. You must pay it to a {$0.00} balance, which I did. I also pointed out that per my XXXX online banking account that I no longer saw XXXX but that the card now ended in XXXX. I was told by a Citibank supervisor that I was wrong. Citibank could not change a card number. XXXX XXXX had to have done something wrong and to call them. Etc. I CLOSED THE ACCOUNT ENDING IN XXXX OR XXXX HOWEVER YOU LOOK AT IT WITH A {$0.00} BALANCE. 

Because no one ever moved the money over that should have been moved per numerous phone calls starting in XX/XX/XXXX someone at Citibank said I owed {$800.00}. It was still supposed to be put on my card ending XXXX so an entry level Citibank employee gave me a 12 month promo. I began to make payments even though the initial statement was inflated. Then the next statement was a negative number. The next statement I owed money. A continued to make payments not really being sure if the amount was accurate. I was still getting up at XXXX XXXX to be at work by XXXX XXXX. When the statement again was a negative number, I JUST CLOSED XXXX TO GET OFF THE ROLLER COASTER AND NOT MAKE ANY MORE PAYMENTS WHEN I KNEW THE COMPUTER SYSTEM WITH CITIBANK IS A MESS. I felt somehow somewhere we were even and I could be done with Citibank. 

BUT NO!!!!! XX/XX/XXXX I GET AN EMAIL REGARDING ACCOUNT ENDING XXXX ( WHICH I WAS TOLD COULD NOT EXIST ... BUT NOW IT DOES!!!!! ) AND IT HAS {$1600.00} ON IT. THIS IS CRAZY. HOW DOES AN ACCOUNT CHANGE NUMBERS WITHOUT MY AUTHORIZATION??? AND IT HAS {$1600.00} IN IT THAT I AM TOLD I OWE. 

I talked with XXXX XXXX XXXX yesterday. She is upholding that Citibank could not have done anything wrong in an account ending in XXXX suddenly becoming XXXX. She insists I owe the money on it. But XXXX has been closed!!!!! 

She is going to get back to me in two weeks. However I have called her three times today requesting all computer print outs involving XXXX ( XXXX??? ) and XXXX. I have not heard back from her today confirming she will send me the information I am requesting. 

How can I trust anyone in Citibank????
On XX/XX/XXXX  there was an online purchase done at  XXXX . The person picked up the items in person at a local store. Upon noticing this {$300.00} I called  Chase stating that  this was not my charge.  Chase imme diately reversed the charge and issued a new card. This was around   XXXX   XXXX   XXXX    .  <P/> On   XXXX   XXXX   XXXX     we received a letter fro m Chase stating  that  XXXX  denied our claim stating " you picked it up in person ''. They have shown us no proof that the items were picked up by myself. When calling the store directly they were unwilling to obtain the video footage without a police report. We will be attempting again to file a police report   XXXX   XXXX   XXXX    .  <P/> The online transaction through our bank statement is listed as a debit transaction which places me unde r EFTA rules. This Act stat es that if the card is in my possession but someone makes unauthorized charges, the cardholder is not liable.  <P/> I would like the charges rightfully reversed and to receive my due credit of {$300.00}.  <P/> Sincerely,   XXXX   XXXX
I received a notice in the mail regarding a debt for utilities for a property I lived in ove r two years ago. I called CBE to let them know that I had no outstanding debt with my utility company and that thi s is the first hearing about it since I moved. They told me they were the third company to receive the collection. Again, this is the first collection attempt I have received and I have not moved since. Not only that, but there is n't anything regarding this " collection '' on my credit report. Not now, not at any point in th e past two an d a half years. They told me to mail them a dispute letter in the mail, but it will probably be ineffective since they are the third company to receive my " debt ''.
Complaint No. XXXX XXXX XXXX, ASC Executive Resolution Specialist, is deceptive and abusive. I am at extreme high risk of loosing my only and primary home XXXX located at XXXX XXXX XXXX, XXXX, Massachusetts XXXX as a result in how my Transfer of Service is being handled. There is no truth to the information that ASC is providing to XXXX. The Consumer Financial Protection Bureau XXXX ( CFPB ) XX/XX/2013, dated XX/XX/2013 issued a guidance for servicers, including and not limited to America 's Servicing Company, in how to address the potential risks to consumers that may arise in connection with transfers of servicing. The CFPB explained in the article that servicing transfers are common, and may occur in several ways. I have 2 questions to be answered : 1. What Process of Service Transfer did America 's Servicing Company use? ( Please Prepare and Submit an informational Plan ) 2. Why, as the consumer, am I not aware of your procedure? ( Please prepare and submit an informational statement ) XXXX is under the assumption that the Service Transfer is complete. Documents enclosed.
Barclays responded to my complaint and sent a letter dated XX/XX/2018 but there is a discrepancy on date which letter was generated and it's authenticity. On XX/XX/2018, I spoke to Barclays representative and confirmed that there is no letter/correspondent being generated or drafted and this can be confirmed by Barclays since all phone conversations are recorded by Barclays. In the letter reason why they lowered credit line was because of 'Utilization of revolving accounts is too high. ' They FAILED to provide details in numbers/percentage of the reasons to lower credit line to support 'Utilization of revolving accounts is too high. ' They have no supporting statement nor they have valid reasons/justification to lower credit line. Once again, only reason why they lowered credit line is because I have made {$8000.00} payment and this is clear violation of Credit Cardholders Bill of Rights and Credit Card Act. If I have made {$10000.00} payment, credit line would have been lowered to {$4900.00}. Barclays do not have clear guideline or justification of why they decided to lower credit limit to {$6900.00}. ***THEIR DECISION IS ALSO BASED ON CREDIT REPORT THEY RAN ON XX/XX/2018 WHICH IS NOT MOST UP TO DATE AND THIS IS SERIOUS VIOLATION. *** Barclays also FAILED to provide what my credit line/limit should be. This is once again, ABUSIVE and UNFAIR credit card practice. BARCLAYS ALSO FAILED TO PROVIDE WRITTEN CREDIT CARD AGREEMENT ( WHICH IS SIGNED BY ME ) TO SUPPORT THE REASON WHY THEY DECIDED TO LOWER CREDIT LINE/LIMIT. Please investigate this serious and intentional violation.
My name is XXXX XXXX and I am having an problem trying get information from two of the credit reporting agencies and am hoping your company can lend assistance. TransUnion and XXXX are reporting a bankruptcy on my credit file though they will not provide me information that allows me to confirm. The XXXX Court systems stated they would not supply me or any third party information and when I accessed public records the only items I can locate are about a speeding violation. I am asking once again what information they have and how they obtained the so called information. If they are reporting something they should be able to validate the information. If I am unable to obtain it then how are they? 

I have attached the document showing what can be found and one of those XXXX XXXX is not me.
I never had an account with XXXX. I never lived at the reported address. I sent a letter asking to verify that this account was mine and nothing was sent from the credit repoting agency
On Equifax report, it shows a name other then mine. A name i NEVER used.
I recently applied for a mortagage and the company declined my app because of my credit score. The notice from the comapny stated that my score was XXXX but Experians own website stated my score was XXXX which reads as fair on experians scale.
Yesterday I received a notice from Chase ( dated XX/XX/XXXX ) XX/XX/XXXXin regards of the XX/XX/XXXX charge from XXXX XXXX merchant. The dispute arises from the XXXX XXXX was not willing to issue a refund deposit of XXXX XXXX at its XXXX, XXXX location when the card was returned on XX/XX/XXXX. The dispute was initiated the same day and I requested the card to be closed to prevent other unauthorized charges being conducted by the merchant. The merchant attempted to also charge me with alleged damage to the car dispute purchasing a valid XXXX coverage for the duration of the car rental. 
Subsequently the card was closed and all remaining balance paid. Chase also de-listed the card from the electronic menu so getting the letter dated onXX/XX/XXXX comes as great surprise. 
I would like Chase to provide its own internal chronology of events as pertaining to the cards use starting XX/XX/XXXX and all applicable credit card statements showing the transaction sequences including all activities on the card. 

Also please note that all applicable dispute took place in XXXX and not in US $ as referred to me in its communications as all transactions in dispute took place not in US but XXXX. 
I would also like to ask CHASE the following : 1 ) Why the issue is now being resurfaced after Chase own attempt to intervene on behalf of the merchant dispute its own stipulated 45 response time. As response to my message it provided records which had its time marks deleted and the follow up call on its behalf refused to present a coherent time frame in which the matter was being investigated and handled? 
2 ) Why the message is being sent 4.5 months after the initial dispute ( XX/XX/XXXX ) took place and the credit card closed? 
3 ) What does it say for Chase own procedures and processes where it issues its own finding on the issue without any supporting evidence and documentation?
On XX/XX/XXXX I XXXX XXXX spoke wit XXXX and XXXX about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/XXXX
InXX/XX/XXXX, I received loans for my online graduate program at XXXX XXXX XXXX. Two loans for {$10000.00} each. 
Since then, I received XXXX Forgiveness in the amount of {$17000.00} and another forgiveness amount of about {$9000.00}. I have also been paying monthly around {$500.00}. 

I looked at my statement today to see how many more payments I have left, only to see that I have a {$20000.00} balance. I looked at the history of my loan with Navient ( my original loans were with Sallie Mae and they transferred the balance to Navient ) and I saw 4 disbursement amounts : XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$48000.00} XX/XX/XXXX {$21000.00} The XXXX amount are not mine. I don't know where they came from. I called Navient to inquire about the matter and was left on hold. I also emailed them to no avail as of yet. 

Please look into this matter, as I don't want this fraudulent activity to occur for anyone else, and I also want to be reibursed for this. 

XXXX XXXX
In  XXXX , my decease husband bought a {$160000.00} home with a FHA mortgage.   In  XXXX , we began dating and married in  XXXX . Several months later, he was diagnosed with  XXXX   XXXX   XXXX .   In  XXXX , a month after I purchased my first home, my husband died and left me his home. His lender ; CitiMortgage forced me to sign a " non-quali fying Loan Assumption Agreement '' ;  even though the payments were current to prevent them from accelerating the loan. I was assured that the Agreement would not be reported or recorded to affect my credit.   In  XXXX , I filed Chapter  XXXX  to consolidate my bills and discovered  XXXX  FHA mortgages listed on my credit reports and was forced to include them in my plan.   In  XXXX , the Chapter  XXXX  was voluntarily dismissed due to failure to make payments.   In  XXXX , after CitiMortgage faxed a copy of the Agreement to me that they never executed which makes it null and void. As a result, I was denied loan modifications because " I ca n't have more than one FHA loan at a time. '' In  XXXX , I lost my government job in  XXXX  after 7 years.   In  XXXX , my first home to foreclosed so my sons and I moved into my husband 's home that was used as a rental throughout the years. I applied and was denied loan modifications.   In  XXXX , I was forced to file Chapter  XXXX .   In  XXXX , after my bankruptcy was discharged in  XXXX , I discovered that CitiMortgage has reported to the  XXXX  bureaus that I owned my husband 's mortgage since  XXXX . This was the reason I was denied credit, employment, high insurance premiums and put me at risk for federal fraud as a first-time home-buyer. I filed a Fair Credit Reporting Act complaint with the Illinois Office of the Attorney General and CitiMortgage continued to deny fault by stating they are exempt from signing an agreement for a federally backed loan. My husband 's home was foreclosed in  XXXX  and is scheduled for auction on  XXXX   XXXX ,  XXXX .
my daughter viva reieved an application for credit card from DISCOVER XXXX with all kinds of bonus credits free XXXX score Apple payback never responsible for any unauthorized purchaces 2 % cash back cash back for good grades ( most predatory of all ) 0 % APR on purchases for first 6 month 13.24 % -22.24 % interest no annual fee cash back match first year offer ( whatever the heck that is ) call their XXXX number under XXXX can only apply on XXXX to get off list if she does n't give permission
Several months ago, I began receiving voice mail by AFNI stating that I was guilty of nonpayment of bills. I was told to call a number ASAP. I have ignored this request : I owe no bills and I assumed it was a scam. For months now, I receive 5-6 calls/day. 
I would like this to stop.