WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America Refinance Home Mortgage sent me low rate refinance home mortgage notice by mail. 
So I applied and provided everything what they need for qualifying of me to get low rate refinancing. 
But he sent me following Email and want pay appraisal fee. 
" XXXX XXXX, I tried to call you about could not get through. I have tried this several ways, and there is not a way I can get you approved because of the debt to income being too high. 
The last thing I would want you to do is pay for an appraisal if we can not get you approved. 
Wish I had better news for you, I wish you guys the best of luck here. 
Regards, '' I have a good enough my credit and income for qualifying the loan. 
I do not understand why they refusing to approve my refinancing. 
XXXX XXXX XXXX
PayPal has sent out debt collection under my name. I worked with a client who purchased an expensive item from me. She then reported that her card was frauded. PayPal issued her a refund saying that she returned the item to me yet I never received the item. PayPal then charged me for the purchase as I received an empty box. The customer ended up disputing the charge and took the item then returned it empty. She basically stole the item and now I am being charged for it. 
Now the purchase is in collections and is affecting my credit. I need this removed immediately and issued a full refund. PayPal has also garnished my wages of other items I have received payments for. I spoke to a representative in the beginning of XX/XX/XXXX who put in the dispute and explained that I would receive an info letter within 4 days of the call. I still have not received anything and its been almost a month since.
Navient offers a .5 % discount per each loan that is scheduled for auto repayment. I recently realized that my discount was " disqualified '' so I called Navient to determine the reason why they were not applying that discount to my accounts. I must note ( prior to discussing call with company ) that per their website, under " Loan / Borrower Benefits '' the option is direct pay and their is an information button next to it which includes the following information " while in active repayment '' ( 1 ) I am currently in active repayment " you receive a .5 % interest rate discount for making payments via Auto Pay '' ( 2 ) I  am making payments via Auto Pay. So I was perplexed to see that the status of the discount was " disqualified. '' So on the phone with Navient I spoke with XXXX ( spelling?? ) and inquired about the disqualification. I informed her that I was in active repayment and enrolled in auto pay. Which she confirmed that my next automatic payment was XX/XX/XXXX. She stopped talking as if that was the end of the conversation and the answer to my question. So I reconfirmed with her and said so you have confirmed that I am in active repayment and on auto pay, then why is the status of my .5 % interest rate discount " disqualified '' with that question she confirmed the reason I am disqualified is due to insufficient funds. So I asked her when funds were insufficient and she confirmed XX/XX/XXXX. So couple problems here. No where in the documentation available online or the information lists that it is possible to be disqualified from the interest rate discount ( but as mentioned above completely opposite - 2 sets of criteria are required. Active repayment and enrolled in auto pay ). Second problem is that the insufficient date she mentioned is over 1 year ago, and that there is no specific time frame to allow me to be qualified for the interest rate discount. I find this very predatory. They should indicate in writing that there are penalties that would " disqualify '' from the interest rate discount. I find this unnerving that my {$33000.00} dollars of loans with them are disqualified from an interest rate discount because I had the unfortunate incident of insufficient funds over a year ago. Please assist in getting this corrected as again I believe this to be predatory and illegitimate.
Please block and remove all information resulting from Identity Theft, the accounts do not belong to me at all.. I disputed the accounts with the credit bureaus and they could not help me, I asked for proof of contract but they could not provide..CFPB please remove XXXX XXXX  XXXX, XXXX XXXX   XXXXXXXX XXXX XXXX XXXX
Thursda y  XX/XX/XXXX  Syn chrony called our house at  XXXX   XXXX . The person had a heavy accept most likely from  XXXX . The last name was ours,  XXXX . I could n't understand the first name. I said I could not understand but why are you calling at  XXXX   XXXX . The person hung up.   I called the number back. It was indee d Synchony Financial.  We have excellent credit and our  XXXX  accounts are ahead of schedule. I 'm paying off  XXXX  this month. It is due next year.  The other w ill be paid off by the end of ''tis year. It 's due     XXXX   2019.     The person apologized after looking up our accounts - not before. In fact when I said  XXXX   XXXX  her response was she must have thought I was on th e East Coast. T he area code is California. She supposedly submitted a customer complaint. I doubt it. I did n't get a copy.   I asked for an apology frim the caller during normal hours. I doubt sny action has been taken and another person with excellent credit who is paying off the card earlier than the promotional period will be woken by this person.
XXXX 2013 I purchased a vehicle from Drive Time in XXXX, Al & the sales manager insisted I had to purchase a 5 year warranty at {$2800.00} to be financed at the 22 % interest rate on top of car price. I was also told that if I made payments on time & showed perfect pay history after a period of time like a year that DT Credit would re-fi this loan at a lower interest rate. After 18 months of perfect pay history I called & I was told this was a LIE!!!!. ALso I was informed it is illegal to make warranty mandatory. It should be presented as optional. Now I have finally found better finance at 7 % interest & asked DT Credit /Finance for payoff MINUS the amount of pro-rated warranty. DTCredit has a company called XXXX admin the warranty. I faxed them the paperwork for canceling the warranty & they informed me {$1800.00} would be credited to loan. BUT THE PROBLEM IS THEY ( DT CREDIT, LLC ) WILL NOT DO THIS TILL XXXX XXXX. The amount this difference makes is perfect for my new finance co but not without the {$1800.00} deducted. AS of today I have no warranty But DT Credit refuses to subtract this from payoff for 3 weeks. THIS SHOULD BE ILLEGAL but at the very least poor customer service. After speaking with every clerk in the office who took turns calling themselves a supervisor I was hung up on & on hold an hour. I was told that they can not contact upper management nor transfer me to XXXX XXXX, the president, CFO, CEO. I can not get my new loan financed till they take off the {$1800.00} warranty that is now canceled as of XXXX XXXX WHY should I wait till XXXX XXXX to get the actual payoff & HAVE to make XXXX MORE PAYMENT to DTCredit. THIS SHOULD BE ILLEGAL
In  XXXX  of  2017  when i reviewed my credit report, I noticed my Best Buy credit card balance was over the limited. When i called Best Buy/CBNA credit card to inquire the reason for the over the limit credit card balance the customer service representative,  XXXX , informed me a promotional offer expired and the interest was added to the card. I explained to  XXXX , i was not given notice about any promotion expiring and never received any mail regarding this information.  The CBNA representative was not helpful and refused to give me any information about the promotion.
Wells Fargo had a problem which caused their system to go down. First I was told it was a system update this morning and that it would be fixed in two hours. I told the representative I had no money and that I was stranded. She assured me it would be fixed shortly. When I called back two hours later I was told the system shut down and they had no idea when I would have access to my money. The representatives showed no empathy and basically acted like that didn't care. I understand the system being down is not there fault. However there is no excuse for XXXX XXXX service and rude representatives. They have inconvenienced millions of people yet they have no compassion for those they serve. XXXX XXXX was the only person who showed that he cared and he did everything he could to help me. The rest were rude
I filed a XXXX XXXX XXXX complaint against XXXX XXXX XXXX on XX/XX/2018. I disputed these accounts through Chexsystems and XXXX XXXX XXXX. The accounts came back " verified '' with no attach proof. My filing with the XXXX resulted in XXXX XXXX XXXX producing paperwork of transactions that went on with these accounts. That is not what I requested. I specifically asked on the first line of my complaints for copy of the signatures used to open these accounts so I could compare them to my own. I have never opened accounts without providing my signature and my ID. So, XXXX XXXX XXXX has completed ignored that request and produced a stack of irrelevant papers containing account transactions and refused to delete their damaging and incorrect reporting. According to the documents it seems no money is owed to XXXX XXXX XXXX, but they have listed fraud next to my name in reports with XXXX XXXX XXXX and Chexsystems. If they are suspecting fraud, they should have no problems complying with my demand for validation of signatures and IDs used to open these accounts. I have a right to know whether or not they collected valid identifying information. It seems they are dancing around this and opened these account for someone and did not collect validating documentation.
On XX/XX/2019 I made what I thought would be a simple request to PNC to get a copy of my HELOC statement. Since I had a XXXX balance, I hadn't received a statement in several months and I needed one for a new mortgage application. No one - at the customer service line or at the local branch - was able to give me a statement, even through the online portal. They did say that they would order one to be sent to me by mail in 5 business days. It never arrived. I was able to get the mortgage application started with my account number, but the bank is now, naturally, requesting a statement on that HELOC that includes our home address. It is now XX/XX/XXXX and the paper statement that was ordered never arrived. I called to find out how to get a copy of the promised statement urgently because we are closing on the new property on XX/XX/XXXX and the bank needs that document. I was told by the customer service line that that request was cancelled because there was a XXXX  balance. I was never informed that this request was cancelled. I am also unable to access information about my HELOC payment or obtain a current statement on that loan on the secure website. However, I can get this information easily from other banks with which I have mortgages. The issue has been escalated internally at PNC and they claim they are working to produce a current statement and have it emailed to me in time, but their inability to resolve this simple request and failure to communicate with me when they decided to cancel is completely unacceptable.
I have tried correcting information with two separate companies XXXX and Transunion. 

Transunion corrected one of my errors but left the other in tact. Since then I have tried making contact with them multiple times, but every time their systems are " down '' and they ca n't process my request. These error need to be fixed but this company shows no interest in upholding their legal responsibility in this matter. 

As for XXXX, their systems have refused to verify my identity. The free credit report they provide does not contain information that they require to file a dispute. I have tried multiple avenues of filing a dispute only to run into an unnecessary roadblock along the way. I believe XXXX is not upholding it 's legal responsibility to consumers by making their system impossible to navigate.
failing me at every stage of repayment improperly applied payments to accounts lack of guidance to repayments did not disclose information needed to lower payments did not disclose information about releasing co signer from loans
This complaint is about my credit score. The  XXXX  companies are  XXXX  and Equifax. I have established and maintained outstanding credit for over 30 years. I 've paid off  XXXX  houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems except  one. I ha ve and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are  XXXX  and  XXXX  respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to  one of the companies today. I voiced my concerns. Number one, the person on the ph one was unquilified and unable to help me get to the bottom of my complaint. N umber two, I asked to speak to a supervisor but was refused. The refusal, I bilieve, was because th e person on the other end of the phne was sitting in a call center in  XXXX . The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.
I wrote the attached check for {$7500.00} from my XXXX XXXX account and deposited it to my SunTrust account. Of material fact, is that I have used the same accounts to electronically transfer to and from in the past since approximately XXXX without any returned checks issues from my XXXX XXXX XXXX account. The extended hold is until XXXX/XXXX/XXXX. 
Notwithstanding, the above mentioned, although said check cleared my XXXX XXXX account on XXXX/XXXX/XXXX, an unreasonable extended hold was placed on my check at SunTrust. I called the call center for assistance on XXXX/XXXX/XXXX, however such was not fore coming. I was advised to visit a branch. Please note for the records that I am XXXX. ( my XXXX XXXX income goes to SunTrust via direct deposit so they could ascertain my claim of disability. ) and such advised the representative of the challenges I have to travel without extended planning. however, I was not offered an alternative option to resolve said. 

I called back the same day of XXXX/XXXX/XXXX and spoke to XXXX management levels, including a XXXX XXXX XXXX, who denied my request to connect with the executive office for assistance. Of Material fact, I am very disappointed that SunTrust no longer has a direct contact information to its executive offices and am thus left at the mercy of the representatives to receive said. 
Please see the attached and feel free to reach me if with additional questions if required. Please advise. Thank you
Equifax has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
Bank of America XXXX should be reporting a XXXX balance! This was a purchase money 2nd loan. Per California Code of Civil Procedure Section XXXX Cal . Civ. Proc. Code XXXX. States the following : No deficiency judgment shall lie in any event after a sale of real property or an estate for years therein for failure of the purchaser to complete his or her contract of sale, or under a deed of trust or mortgage given to the vendor to secure payment of the balance of the purchase price of that real property or estate for years therein, or under a deed of trust or mortgage on a dwelling for not more than XXXX families given to a lender to secure repayment of a loan which was in fact used to pay all or part of the purchase price of that dwelling occupied, entirely or in part, by the purchaser. 
I have submitted my demand to the creditor and bureaus and have not gotten this issue rectified. Correct this error immediately or delete this account off my credit file!!
I have requested a method of validation on an account multiple times since XXXX of 2016 for my account from this debt collector. The account is from the debt collection " XXXX ''. This account has been PAID and agreed to be deleted. It has been deleted from both my XXXX and XXXX reports. Equifax keeps denying me the deletion of this item. I even requested validation and every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. I asked all three credit bureaus to verify with XXXX so that it could be removed from my account due to being paid in full as agreed. I have made multiple attempt through equifax and they ignore all these attempts and do n't verify data. Even though my proof of payment and deletion are there they wont delete this account. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you about this account and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Equifax , XXXX and XXXX over 3 times to do this for me and both XXXX and XXXX agreed. Equifax needs to take care of this.
The tactics of this agency are beyond deplorable. Their reps XXXX XXXX and XXXX XXXX have 1 ) Told us to send them a post dated check when we told them the funds were not in our account. 
2 ) Asked us the names of the clients and amounts we are waiting payment from in order to pay the debt. This is a violation of confidentiality. 
3 ) Have continued to harass us with phone call after phone call even when we have told them we are waiting for a check in order to pay this debt. 
4 ) Have threatened us repeatedly with lawsuits and so called " final straw '' warnings. 
5 ) Have made nasty, condescending and wholly unprofessional comments towards our staff. 
6 ) Misrepresenting information to our clients and vendors 7 ) Misrepresenting what our bookkeeper told them
Citi credit card approved me with a {$1000.00} credit limit. I received letters and emails congratulating me on being approved and welcoming me to the Citi thank you card.

When I received the cards in the mail ( one for me and one authorized user ) I called the number on card to activate as instructed.

Citi employees said they could not activate my cards. Said they needed to send me a text with a code to verify, then said that their system would not allow them to send text???

I called 5 different times and got the same ridiculous answers. I did try to activate online but Citi website did not function properly but I was able to set up online account access with Citi mobile app!!!

I am frustrated with Citi. I instructed their representatives to close my account since they could not activate. They said that they could not close my account as I requested???

So, I have a credit card issued by Citi with {$1000.00} credit limit, can not use card because they say that they can not activate it, and they refuse to close my account as I requested!?!?!?

Citi is not a reputable company and I believe has committed fraud.
This past XX/XX/XXXX my chapter XXXX bankruptcy was discharged. Originally I was going to reaffirm the car loan I had with XXXX XXXX. In XX/XX/XXXX I decided to turn the car in thru the bankruptcy rather then reaffirm the loan. Finally on XX/XX/XXXX they sent someone to pick up the car. I started checking my credit report and scores shortly after this and each time noticed that XXXX was still reporting that I had the loan and was behind on payments. I tried contacting Transunion and did a dispute and whe the investigation was complete it stated it was correct from the info they received from XXXX. I have disputed this on 3 occasions now. I have also contacted XXXX on 3 different occasions and each time the person i have talked with has said yes I was right and they would report it to there credit reporting department. Nothing is happening with this as it still is showing as a debt that is now more then 120 days behind. I have not had this vehicle since XX/XX/XXXX and would like this off my credit report.
I went to pay my payment for my line of credit mortgage loan. I talked to the teller and XXXX XXXX, branch manager. They were not able to give me any details of my payment that I was paying. XXXX said that he only can see that I owe {$380.00}. I asked about my right to see details. All he can see the amount due, He also said that I have to pay late fees to remain current. No other information is available at the branch. 
This is so upsetting that one can not see what we are paying on. XXXX said that I have to reaffirm the account in order to see anything. He did offer a amort schedule, but have to order and it takes XXXX days to get it. How can one see what they are paying on. 
Earlier I called the XXXX. no one can see the account under my ssn but I had to have the accout number of XXXX. They were not able to help me to get information since this is a bankrupt acct and must reaffirm inoder to see or get help. 
This is just absolute loan fraud, discrimmination and mistreatment of customer. How can I see what I am paying. I told XXXX that I am getting screwed by US Bank since I am not see details. XXXX and his branch is totally powerless to help, all they do is take money. Customer service ca n't help either. US bank needs to investigated for loan payment practices, change terms, amounts of how they can charge. I am not able to get any information of the loan amount changes, rate and terms. One may have to default since this is viewed as loan fraud. Please investigate US Bank.
XXXX XXXX, XXXX. Pursuant to FDCPA XXXX I requested XXXX & XXXX send me proof of the debt they say I owe as they are required by law, and also prove the debt is mine and valid via chain of title to the debt. They do not have/failed to provide my original signature in any documents. The " proof '' of debt they sent was a copy of an old credit card bill. Ridiculous and illegal. 

XXXX XXXX. 
With further harassment from the plaintiff multiple phone calls and visits from the sheriffs office and multiple attempts to seize funds from my bank-I am filing a second complaint and demanding proof of the debt they claim I owe. Immediately. I have sent this demand via registered mail. I also request no further contact from XXXX XXXX XXXX as I am considering legal action against them.