WillisBack/dataset-financial-user-claim huggingface dataset:
My wife passed XX/XX/XXXX. I was laid off a few months later. I wrote One Main Financial, along with my statement letting them know I could no-longer pay the full monthly amount and would like to renegotiate. I had lost my wife 's income, accumulated medical bills and now was living on just my social security. They ignored my request. I stopped letting money to be withdrawn from my bank in One Main 's name. It did n't take long for them to call me. Once again I asked to renegotiate. They said -I did not fall under their hardship clause. They kept calling me. I explained we would have to renegotiate or I would be forced to file bankruptcy. After several calls they said they would lower my rates to 4.78 % and cut my payments in half. However, I had to return to the office where the account was opened. Over 3 hours where I now live. After several more discussions I was turned over to their corporate office. I was to present proof of income and sign a hardship notice. I did so, in XXXX XXXX, Mo. which was faxed directly to their corporate office. Again I started getting calls saying they never received my information. Again they wanted me to go to the branch where I opened the loan, XXXX, Mo. and resubmit the paperwork. I called XXXX, explained I was 3 hours from them, an hour and a half from XXXX XXXX, Mo. where I was last sent refused to do anymore leg work for them to resolve this matter. Note, I contacted them before we ever got to this point. XXXX XXXX corporate called me the next day. asked me again to go to another of their branches and resubmit everything. This time I went to the XXXX XXXX, Mo. branch. I once again explained my position. I was told they could resubmit my paper work but would still be considered as a credit risk until I paid over {$1200.00} to be caught up on my payments. This is n't renegotiating! I did submit the paper work again, they lowered my rate to 8 % and my payments to {$150.00} per month for 24 months. At the end of this loan I will have a balloon payment for the remainder. I turn XXXX in XX/XX/XXXX. I doubt I will ever get this completely paid but will do everything possible to keep my end of the agreement. My complaints are simple, 1- I notified them early and before they contacted me so an agreement could be reached. 2- I did all the leg work driving hundreds of miles trying to get a branch that would work with me. 3- Once the loan was refinanced my credit should have been restored to a good standing. 4- They and their branches lied saying at times I never showed, which I did, found out they only keep out of branch paper work a few days. The same as calling me a liar. 5- Each branch gave me a different amount to pay to get out of the rears or get a lower rate. XX/XX/XXXX I let them into my account to remove a payment of {$330.00}, this month the payment should be {$150.00}.
Key Bank Perpetuating a Fraud. 

On XX/XX/XXXX, I wrote two checks to pay for a title search to obtain a mortgage from what I thought was XXXX XXXX XXXX, under the name of XXXX XXXX XXXX, which I had found was bought out by XXXX  XXXX XXXX. 

As it turned out, this was a loan scam, and the person who cashed the checks was not a mortgage loan officer or worked for any bank. He was able to cash the two checks made out to XXXX XXXX XXXX with a fake stamp and a fake signature through Key Bank, which has stonewalled me with regards to my claim, stating that only my bank has the right to put in the claim. XXXX XXXX which is my bank has reviewed the checks and the agents from the Fraud Department at XXXX have determined that the signature is fake because this should have gone in as a deposit into the Key Bank account holder 's account, which by the stamps on the back was not put through as a deposit. 

At the time as I saw the checks being cashed out, there was only supposed to be one check for the amount of {$1700.00} and two checks were cashed as seen from my online bank account. The checks were written on XX/XX/XXXX and the money was withdrawn from my account on XX/XX/XXXX. I immediately contacted my Bank which is XXXX XXXX, and told them to put a stop payment on both checks on XX/XX/XXXX. XXXX XXXX refused. 

I then put in a Fraud Claim, which was initially denied, by XXXX XXXX as I wrote the checks. The agent at XXXX XXXX never told me that both my signature and the person who cashed the check 's signatures must be valid and not forged. The person who cashed these checks was not the intended recipient and therefore forged their name onto the checks to commit mortgage fraud. 

I found that there is evidence Key Bank, has been perpetuating a Fraud even before I became a victim. The State of Washington has issued a Fraud Alert, which I am attaching to this complaint. Key Bank as denied my claim with the reference number XXXX, even though they have been provided an affidavit of fraud. Furthermore, they had refused to disclose the person, whose account this was cashed against. 

Since the payments were mailed, this is also mail fraud and XXXX XXXX XXXX   stated that they were a direct mortgage lender, who refinance the original mortgage on behalf of my brother and myself at the mortgage rate of 2.99 percent and lower the payments from XXXX a month to XXXX. 

I already provided a notarized affidavit of forgery, which I signed and is attached to this complaint. 

Key bank is now refusing to refund the checks mentioned above, on the grounds that they need an affidavit of forgery from XXXX XXXX XXXX, is a fake company and signed with fake signatures. 

Therefore Key Bank is perpetuating a Fraud, by not disclosing the person who cashed the checks, knowing that they are liable for the damages or possibly closing that account knowing that it is being used to perpetuate a fraud. The bank is also refusing to disclose any information, as to who cashed the checks and therefore are perpetuating this fraud. 

Thank you for your time and assistance.
Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XXXX/XXXX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our XXXX score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.Thanks in advance
against : XXXX XX/XX/2017 charges were made of XXXX to my store card claiming I ordered magazines. I did NOT order them. Called XXXX and they told me I would have to call the magazine companies to get charges removed ( XXXX XXXX, XXXX, XXXX ). partial payment removed which resulted in late fees being applied by XXXX. After harassing phone calls from XXXX I tried again to have the remainder removed. Again, only a partial payment was removed from the magazine companies. This went on again for two months. Two more late fees added to something I DID NOT owe! I ended up with a balance from the magazine companies of XXXX and odd cents and late fees on the next bill. I tried again to contact XXXX via email telling them if they would remove the late fees I would pay the XXXX just to be done. They responded by saying I would have to dispute the charges. XXXX has ruined my credit. I faithfully pay my debt and this was through no fault of my own. Never would I order magazines I don't want. I am a responsible home owner with mortgages and credit cards I have never been late on. I want this removed from my credit report along with all the negative credit marks. I appreciate any help you can give me. This has been a battle for months!! XXXX has committed fraud and deception.
XXXX, XXXX and Equifax have Collection accounts and inquiries that are fraudulent and do not belong to me. THERE WAS NO PERMISSIBLE PURPOSE AS PER THE FCRA LAW, I DID NOT APPLY FOR LOANS OR CREDIT. As well, they have several variations of my name, inaccurate addresses that do not belong to me, attached to some of these fraudulent inquiries and collection accounts which is causing financial damage because the information is inaccurate yet its causing me to lose job opportunities, etc. I have not contracts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or the alleged, original creditors. 

THE ONLY NAME, ADDRESS AND NUMBER THAT SHOULD BE ON MY REPORTS ARE : Update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
On XXXX XXXX, 2016, I spoke with XXXX XXXX, a representative for LoanDepotXXXX, LLC, XXXX, CA XXXX. He asked several questions and request I send supporting documents to him via email. Also on XXXX XXXX, 2016, I paid from my credit card, {$290.00} for an appraisal which he says was a discount price from {$500.00} fee they normally charge. ( See receipt attached ). From that date till today, XXXX XXXX, 2016 they have asked for several documents including tax returns and I have not received my appraisal, follow up calls nor have they finalized the refinancing loan. They also took the liberty to call my homeowners insurance to inform them of an upcoming change.
My wife closed the XXXX account under my name and opened a new account under her 's to obtain a discount. XXXX closed the account in late XX/XX/XXXXearlyXX/XX/XXXX without a balance due. My wife ( XXXX ) contacted XXXX ( 1st debt collector ) on XX/XX/XXXX via mail to dispute the claim of {$530.00} and didn't receive an answer. She call XXXX on many dates to have them tell her the same thing- there isn't anything owed and the account shouldn't have gone to collections. Again on XX/XX/XXXX after another review of my credit report she spoke to the Credit Reporting Department at XXXX ( XXXX ) who repeated there isn't any money due, this should never have gone to collections and she would help to remove the negative item from the report with Trident Asset Management, LLC. XXXX was given a control # and said it will be removed in 30-60 days. XXXX also sent a XXXX balance notice as proof. XXXX then mailed all documentation to Trident onXX/XX/XXXXand still has not heard back from the company AND the item is STILL showing up on my credit report. XXXX called Trident 15 times today ( XX/XX/XXXX ) and couldn't get through ( either automated system kept looping or phone wouldn't ring ) and once she did she got through as caller # 1 in the queue she was hung up on.
To whom it may concern, I 'm filing a complaint against Nationstar mortgage due to failure to record my permanent loan modification with XXXX County Recorder. 
On multiple occasions we have spoken with various agents of Nationstar in regards to requests for recording our fully executed agreement with XXXX County Recorder on the following dates, XXXX XXXX, 2016, XXXX XXXX, 2016, XXXX XXXX, 2016 and XXXX XXXX, 2016. Nationstar mortgage, has refused to oblige our demands and we are seeking assistance with this matter. Per Real Estate Settlement Procedures Act - RESPA. It is essential for Nationstar mortgage and the respective investor to complete this obligation following changes to my original loan. I have contacted XXXX County Recorder, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX, XXXX and they have informed me as of XXXX XXXX, 2016 that no such contact has been made to their office with respect to our constant requests. In fact the county recorded office advised me that the financial institution will need to provide an original wet ink signature of the executed modification in order for them to update their records with changes to my original loan.
In XXXX 2009, we entered into a retail sales agreement with Regional Acceptance Corporation, which has an office in XXXX, Ohio, among others. The contract was for a purchase of almost {$18000.00} for a used car. The interest rate RAC gave us was 23.75 %, which equaled total " finance charges '' over the 66-month life of the loan of {$14000.00}. This was a total contract amount of {$32000.00}. 
During repayment, RAC failed XXXX times to allocate the agreed amount to principal from our monthly payments, for a total underpayment on loan principal of {$5800.00}. Included in these XXXX failures were five months where RAC allocated XXXX of our monthly payment dollars to principal. 
Furthermore, because we paid late, RAC charged extra interest in excess of the amount allowed by Ohio contract law, over the required amount by a total of XXXX. 
Overall, we have been required to pay XXXX payments for a total of {$35000.00}, or XXXX percent more than was originally agreed. 
When contacted and informed of their mismanagement of funds, RAC 's reply was that they were entitled to reduce our principal payment every month because we paid after the due date, although the provision for this in the sales contract and Ohio law instead allow the lender to extend the contract with more payments based on the amount of extra interest accruing, with written notice given to the borrower. RAC now insists that, after XXXX payments resulting in an 8.8 percent total overpayment of the contract, that we still owe more than {$3200.00}, or 18 percent of the original principal agreement. Their representatives repeatedly deny that RAC has done anything inappropriate, even when confronted with details of underpaying principal, overpaying interest, and using wrong APR and per diem to calculate extra interest for late payments.
DiTech Financial is claiming that we 've missed XXXX payments and are proceeding with foreclosure as of XXXX ... .we have NEVER missed a payment. We have talked to them, went through all our payment history, continue to make payments, we are a nervous wreck and do n't know what to do ... we have all the documentation and proof of payment ...
Filed complaints about XXXX XXXX and transunion all 3 were asking for proof of who i am so i finaly sent all 3 a copy of my state id proof of address by social security mail from social security i happy to say XXXX finaly sent me my credit report but XXXX an transunion are still asking for more proof and refusing to send me what they have on my reports what i sent i sent to all 3 credit companies it was good enough for XXXX why not the other two agencies?
i had agreement with wells fargo due to me being layoff, i kept my agreement term, my letter of agreement state that i would pay XXXX for 6 months and after i found a job that my go back to paying what i was paying which was XXXX.well i went back to paying my normal payment from XX/XX/XXXX to XX/XX/XXXX went to bank to make my XX/XX/XXXX payment i was told that my home was in forclose. still no answer wanted me to pay XXXX which i did not have. please help, i have been in my home for 18 years
I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as Experian, XXXX, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue
I filed a dispute with equifax on X/X/17 checking the status every couple of weeks and always said pending and an estimated date of completion it 's now X/XX/17 and I have no response well over the 30 days they have no phone numbers to reach them only recorded lines that give you certain options then it hangs up on you
i answered a used car add on XXXX XXXX on XX/XX/XXXX. I phoned Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She told me she was being XXXX and she wanted to protect her investment so she used a broker at XXXX who sent me an invoice with detailed payment instructions. This invoice had transaction id XXXX guarantee free shipping etc.We send XXXX for the car via a moneygram sent to Agent Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. We receive an email from XXXX stating that XXXX XXXX requires another XXXX for shipping insurance. But we will get money back after we receive car in XXXX. So we sent another moneygram for XXXX to XXXX XXXX  rep. He wanted us to fax receipt to insure payment. We did. XXXX sent me another email saying they needed another XXXX for insurance into XXXX. I immediately emailed XXXX and XXXX XXXX and cancelled the transaction. i tried calling XXXX and XXXX XXXX customer service XXXX ( XXXX ) XXXX. No answer.phones disconnected. I called XXXX customer service they told me that do n't sell cars and I have been a victim of fraud
On XX/XX/XXXX I was contacted through mail by Fidelity Information Corporation dba of Fidelity Capital Holdings , INC, XXXX XXXX XXXX XXXX, CA XXXX, about a debt they accused me of owing to XXXX XXXX, XXXX XXXX XXXX. XXXX, CA XXXX. The alleged debt was in the amount of {$740.00} to an account referenced as No. XXXX. I do not believe this debt to be mine. 

In response I sent a letter via Certified Mail asking for validation of this debt on XX/XX/XXXX. The letter was signed for and received by what appears to be a " XXXX XXXX '' XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/XXXX. 

Fidelity Capital Holdings , Inc having received my letter requesting validation continued to contact me via mail. A letter of " Delinquent Account Notice '' was written on XX/XX/XXXX. Followed by a " Litigation Notice '' threatening a lawsuit, damage to my credit profile, and my ability to rent or finance in the future on XX/XX/XXXX. I never received any form of debt validation and have continued to be harassed by this agency.
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.
We are working on a short sale with Bank of America and they have had the file for 9 weeks XXXX since XX/XX/XXXX ). They had a complete file on XXXX, but of course they took more than a month to review the file and requested updated documents. Those were delivered and then they took another 3 weeks to look at the file before they had " questions '' about the income and tax returns. It has been another 2 weeks and the underwriter has yet to review that information. We have n't even been able to get the file out of loan modification and into the short sale department 's hands because they are so delayed in reviewing the file that every time they look at it, they request something more! We are about to lose our buyer. Please help us.
Please see attached NOTICE OF INVALID INSTRUMENT ( S ), NOTICE OF BREACH OF CONTRACT, NOTICE OF FALSE CREDIT REPORTING AND NOTICE OF CEASE AND DESIST.
On XXXX/XXXX/2016, I received an email from by banking institution which is BB & T bank. It stated that I over drafted my checking account. I thought this could not be possible as I had {$1600.00} in my account and my federal tax refund coming in at the same time which was over {$3000.00}. Upon calling BB & T, they stated that yes in fact I did have {$1600.00} in my account in the XXXX of XXXX/XXXX/16 however, their system pulls all debits first and then posts the credits to the account. Even in the debits and credits hit the same day, the debits are always pulled first. Therefore because I had all of my bill pay items hit on XX/XX/XXXX, my account showed a negative first because the tax refund hit my account after all the debits are posted even if it was the same day. I am so frustrated with BB & T. This is just a way for them to make {$36.00} from someone who has way more funds in their account than what they are spending. I feel like the need a 24 hour hotline just so you can call and make sure your purchases the night before wo n't exceed your direct deposit in the morning. I never thought I would get an overdraft fee at the same time when I have {$4800.00} sitting in my checking account. In some way this has to be fraud.
On XX/XX/2018 Wells Fargo sent me two letters informing me that they are closing my two business checking accounts. They did not provide a reason. One of these accounts has been with Wells Fargo for 20 years. I called Wells Fargo asking why they are closing my accounts, and they said they would not disclose why. Both accounts are in good standing, and I can not think of any reason they would close these accounts. I have multiple other accounts tied to these - both to receive income and pay bills. It is causing a significant disruption to my business.