WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX of XXXX, I was first informed in my being a party to a class action law suite against Wells Fargo Home Mortgage for " Inspection Settlement Notice '' ; on the matter of Wells Fargo periodically ordered property inspections and appraisals and charged the fees back to the homeowner without the homeowner knowledge or consent, once the homeowner became 45 days delinquent in mortgage payments. In XXXX of XXXX, I received another notice of my being a party to another Wells Fargo class action law suite for : auto dialing customer without the customer consent or agreement during inappropriate times during the course of a mortgage workout. Being I was involved in two class action law suite against Wells Fargo Home Mortgage, I continued to respond to both claims as documents were sent out to me, providing all required documentations for each claim before the deadline that was noted. 

In the matter of the auto-dialing class action law suite I was compensated as promise. In the matter of Wells Fargo Home Mortgage " Inspection Settlement Notice '', I have had an extremely difficult time getting my account history with the appropriate transactions documented listing all 30 transactions of unauthorized drive-by home inspections and 1 unauthorized appraisal for XXXX XXXX. I started requesting my account history on XXXX XXXX, XXXX ; I received these documents XXXX XXXX, XXXX listing a total of 17 home inspections transactions and no appraisal was listed. Although I continued to address this matter with the Offices of the Bank, Assistant Administrator of Wells Fargo Home Mortgage, I submitted these documents listing 17 unauthorized home inspections on XXXX XXXX, XXXX. 
I address and submitted appropriate documents within the time frame allowed to the listed agency, before any deadline occurred in XXXX and XXXX. Because I had not received a response to my multiple inquiries by the listed agency collecting documentation nor by Wells Fargo Home Mortgage on the status of my claim settlement amount ; on XXXX XXXX, XXXX I begun addressing my concerns with the listed assignies. As of to-date, I have not received any communication response from Wells Fargo Home Mortgage nor from the agency responsible for collecting documents to my many inquiries. The listed agency responsible for collecting documents perusing the " Inspection Settlement Notice '' class action law suite have stop updating the outgoing message with information as to were anyone can be reached for further investigation. I also, have not been compensated in any manor for this class action law suite on any of the 17 unauthorized home inspection incidents charged back to my account without my knowledge or consent to agreement.
: " I XXXX XXXX and XXXX XXXX ( XXXX and XXXX years of age ), contacted XXXX XXXX, in reference to the hardship I was going through. He met us at my property located at XXXX XXXX. XXXX XXXX XXXX, Fl XXXX. XXXX XXXX XXXX introduced us to XXXX XXXX XXXX, Ready Mortgage, who offered me a reverse Mortgage, based on our economic situation and age. ( Please see attached document dated ). Throughout the 3 months delay Ready Mortgage was processing our Reverse Mortgage. We had to pay late fees approx. {$300.00}, to our Mortgage company, XXXX XXXX. Also Affected my credit at the Credit Bureau. Due to their 3 months delay, we had our house in danger of foreclosure. We had to pay to XXXX XXXX more than {$4000.00} dollars due to their delay on closing our Reverse Mortgage. We also had to pay the appraisal fees of {$320.00} plus upfront expenses. In addition, they wanted us to pay another additional appraisal fees, but we said " No ''. During the Reverse Mortgage process they requested some changes to our Home Property Title for us to qualify. The title change was made for a fee of {$800.00} dollars. Then, we had to get our Home Property Title rewritten correctly for another extra expense which we had to pay. The documentation requested in XXXX was never provided. " Due to Ready Mortgage delays and process our Reverse Mortgage they almost cause to put our property in foreclosure Affecting my credit at the credit bureaus with a bad note due to me. 

On 2014 though a XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX advertise to assist us consumers. 
I contacted XXXX XXXX, in reference to the hardship I was going through From his meeting at my property located at XXXX XXXX. XXXX XXXX, Fl XXXX XXXX XXXX XXXX to, XXXX XXXX, Ready Mortgage, they offer me Reverse Mortgage.
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX  and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
I have a loan that was to be paid off to Heights Finance after over a month of attempting to gain the pay off figure I have yet to been able to obtain that amount, meanwhile they are attempting to repo the car. I have called, faxed and went to obtain the loan and could not get the exact pay off. The company has completely ignored the requests.
Couple different items occurred with XXXX XXXX XXXX. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report. 

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error. 

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data. 

It looks a lot like XXXX XXXX XXXX is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.
I am receiving letters from First National Collection Bureau , Inc for the current creditor " XXXX XXXX XXXX '' for XXXX XXXX XXXX XXXX for a debt I do not owe. 

The Ref # is : XXXX in the amount of {$1600.00}. I do not owe this debt and want them to stop contacting me.
I was denied credit so I pulled a credit report. I found that the company ERC placed an account on my credit report that I have no knowledge of nor was I notified before it went into collections. This is a violation of the Fair Credit Reporting Act.
XX/XX/2013 I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, XXXX, Experian and XXXX. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.
Ive contacted equifax numerous times over the past few months about inquiries that does not belong to me and they have denied me of deleting them even after they told me I was a victim of their breath. Also Ive had a collection removed from my other reports however equifax is refusing to remove it
Received a bogus collection letter from Convergent Outsourcing Inc . Addressed to XXXX XXXX ( not my first name or initials ). Attempting to collect a XXXX debt of {$440.00}.
I opened an account with online retailer XXXX XXXX inXX/XX/XXXX. I paid my bills monthly. In XX/XX/XXXX-XX/XX/XXXX I ordered XXXX decorations. The items were of poor quality so I paid for the return. Multiple customer service representative verified the return but stated all items were not in the package. I wrote multiple letters asking them to check their warehouse and the post office because it was returned. They refuse to give remove the collection item.
XXXX XXXX XXXX ( ERC ) placed an account in collection on my XXXX credit report between XX/XX/2018 and XX/XX/2018. ERC placed the account in collection without notifying me. I refute this account.
As of ThursdayXX/XX/XXXXXX/XX/XXXX 2017 over 140 million individuals have been subject to a breach with credit reporting agency Equifax. I am a potential victim and I would like to file a complaint against them.
I sent Transunion a letter regarding unauthorized credit inquiries on my credit report via XXXX. On XXXX, XXXX XXXX, XXXX XXXX XXXX signed and received my letter regarding the inquiries. As of XXXX, XXXX XXXX, XXXX I have not received any correspondence related to my disputed and their investigation results. According the FCRA, they are required to disclose the results of their investigation within 30 days and if the item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, they are required to modify that item of information, delete that item of information or permanently block the reporting of that item of information.
I was seen for a dental procedure in which I paid the full amount before I left the office. I was not allowed to have the procedure unless I paid for it in full before leaving the office. Months later I received a bill and I disputed it in with the provider. The Provider : XXXX XXXX of XXXX. They told me they would write it off. I received the attached paperwork of the write off. Now, GLA has added it to my credit report and once again is damaging my credit falsely with information obtaining illegally.
By obtaining my dental records they violated my HIPPA rights to privacy. They also are billing me and adding to my credit a bill that I am and was never responsible for.
I am writing now in hopes to gain your help. Presently I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a crucial role in this procedure. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 and days late to the credit bureaus ( XXXX, XXXX and XXXX ) on  XX/XX/XXXX and XX/XX/2016 and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
I discovered fraudulent activity on this card in XX/XX/XXXX for {$220.00}. 
I contacted the company to report the fraudulent transactions with no resolve.
I purchased my home in XXXX of 2017. Having lived in my current dwelling for less than a year I am faced with approximately {$50000.00} in damages to this property to include : Structural and foundation damage ... $ 30,000+ Septic system replacement ... {$8000.00} Water damage to the structure ... {$13000.00} I feel that these issues should have been corrected prior to my purchasing of the home and that many of these issues were not disclosed and/or misleading as we were giving information that said these repairs were addressed. However, we later discovered that many of these issues were camouflaged. 
I also feel that the home load inspector should have never allowed this loan to go through due to these major costly issues.
On XXXX/XXXX/XXXX I was called in regards to a {$51.00} bill presumed to be my responsibility. I had asked the representative what this bill was in regards to. It was from a medical bill on service date of XXXX/XXXX/XXXX for an emergency room visit. I had explained to the representative that my husband is XXXX XXXX XXXX and we are covered medical insurance. Representative had stated that I still had patient responsibility of {$51.00} after insurance pay out. Asked if I could phone insurance company to verify and see what the discrepancy is. Called medical insurance and they stated that original biller had input the medical codes incorrectly and I was being double billed. Insurance agent stayed on the line as I did a conference call back to collection agency to clear this issue. I was hung up on and spoken to disrespectfully with insurance agency as a witness to verify how I was treated. Insurance agent and myself got very frustrated and frankly also was appalled by their actions. We tried to explain how to fix it after 3 attempts at calling with rude language and getting hung up on. I then asked if I could get information of original biller so I could work directly with them and was rudely told good luck finding their information online. Completely unprofessional practices when trying to resolve an issue.
I co signed a student loan for my nephew. It 's a small loan and he now has a job and has been making payments. Even though payments have been made, I am called on my work cell phone repeatedly. And when I say repeatedly, it can be up to five times in one day. I 've also received letters threatening legal action. This is despite the fact that my nephew, although is late on occasion, has been fairly consistent in making payments.
I am currently going through a financial hardship due to serious health issues. Many of my accounts are delinquent at this time. The calls are out of control with most of my creditors. However Synchrony bank is the worst. They call multiple times a day after I have advised them they do not have my consent to call my cell phone on an automated dialing system which is within my rights as a consumer under TCPA. It is my belief that they are in violation of FDCPA laws. They are leaving multiple messages on this same number multiple times a day. My understanding of these laws is that even if I have a multiple account relation ship with the company leaving one message a day is considered a contact. By law a message is a contact and they are only allowed one contact per day even if they did not speak to me. A voicemail is considered a contact under these laws. I feel as though this is an unfair practice and they are harassing me which is causing me added stress on top of all that I am going through right now.
Hudson City Savings Bank delayed or colluded to delay our conventional mortgage application to force an increased rate - the very highest in the nation currently - even though applicants/buyers are of the highest credit standing, for a total cost increase of more than {$55000.00}! 
We applied for a conventional mortgage in XXXX, finalized in XXXX but a closing date was not set until XXXX XXXX. There are no credit issues with the buyer or issues with the property. Buyers have excellent credit and full financial resources to meet any bank requirement. The loan was placed through a mortgage broker, XXXX, since he helped provide pre approval rather than our bank, XXXX whom we have an excellent relationship with. All papers were submitted to Hudson City by XXXX XXXX. Clear to close was not given until XXXX XXXX. 
Upon speaking with a XXXX at the closing office I was told it was my own fault because there is a clause in the mortgage contract, separate from the mortgage contingency, that provides for the sellers to have three weeks AFTER clear to close so they can move. XXXX at Hudson City said she discussed this clause at length with our attorney and that it is our own fault for signing the contract. The deal of four business days will cost us {$26000.00}. Hudson city, had full knowledge and deliberately delayed as is evidenced by their representative 's remarks about our signing the contract. Such behavior is disputable and unacceptable. We are consumers and trust the bank we apply to be honest and forthright with us. We also hire an attorney to protect our rights. Neither has occurred thus far. 
Closing is set for XXXX/XXXX/2015 with the rate lock running out on XXXX/XXXX/2015 allowing Hudson City to charge a higher than industry standard rate by a full half percent - or more than {$55000.00} over the life of the loan.
XXXX accounts XXXX account number XXXX and XXXX account number XXXX are over 7 years old. They are legally not allowed on the credit report any longer. However, Experian has kept reporting the accounts.
On XX/XX/2016 my employer sent my salary by way of direct deposit to a Chase checking account where I was no longer the account holder. I contacted Chase Bank on XX/XX/2016 when I realized that my check was not rerouted to my new bank. I spoke to a Chase employee in collections and overdraft protection, who informed me after talking to her senior specialist that my check would be rejected and returned to my payroll department, and it would take 4 days. 


In 4 days I began to call Chase Bank again and I continuously called the bank for information because the check was not returned. On XX/XX/2016, I was lastly informed that due to the fact that the account was in the negative it does not matter if I am no longer on the account, they are not going to return it and that the request need to come from my Human Resource Department to request the return of the deposit if it was deposited into the incorrect account. 

I contacted my payroll department who informed me that they were not familiar with that process and if a direct deposit by error is deposited into an account which I am no longer the account holder the Bank should return the check. Being the XXXX, I sent a request on City letterhead via certified mail to the Executive Offices of Chase Bank at XXXX XXXX XXXX XXXX Tx, XXXX requesting the refund of the check on XX/XX/2016. I requested a return explaining the check was deposited into an incorrect account and I have not received a response to my letter or a refund of my misapplied funds. Please assist me with this matter.
Midland credit management is notorious for slandering credit reports with false information, and using unlawful business procedures and harassment to attempt to collect debt. I have received numerous phone calls at all hours of day and night, in addition to letters sent to my parents house ( where I have not lived for over 4 years ). I demand that they remove the collection account they are incorrectly reporting on all XXXX of my credit reporting agencies ( XXXX, XXXX and XXXX ) immediately.
Ive reviewed my credit report and PORTFOLIO is reporting my account with XXXX XXXX with a similar but different account numbers. Portfolio is listing as XXXX And XXXX XXXX is listing as XXXX Which is making it report twice on my credit report. To be specific they removed digits to the begining of the account number. Just to inform you I have verified that this is the same account because the amounts and open dates are the same.
In XXXX I inadvertently paid one of the two car loans that Ihave with Hyundai XXXX. When I discovered the error in XXXX, Icontacted then and requested a one month extension for theloan I paid XXXX in an effort to pay the loan that I missed in error. 
They agreed and said they would send me confirmation. I receivedthe confirmation XXXX/XXXX/15 and I received a collection call that day. 
I explained to the rep that I had just received the letter andwould fax it in Monday. He informed me that I had to send itright back or it would n't be enforced and that I could n't do it beforeMonday because that particular office was not open on theweekends. I agreed and he indicated he would not it on my account. 
Every subsequent day after that I received abusive calls about thesame thing. I told them that I had already spoken to themseveral times and did n't need to be reminded every minutethat I had to send the paperwork. My bother passed away andwe were taking care of family business during these harrassingccalls. It was not necessary and I take issue with be harassedso vigorously. Prior to my error, I paid my bill EVERY month. 
Not to mention, this account is not even XXXX days past due. I amvery upset and feel they should be held financially liable. I wantthem to have to recind the entire amount of the loan. I recognize t that they have to protect their interest, but I have to protectmy sanity. They were totally out of line and this shouldbe made an example of waiting a few days to see ifI do n't live up to my obligation.
I opened up a TD Bank account in XX/XX/2017. This bank account had a bank promotion of receiving {$150.00} after making {$500.00} in direct deposits within 90 days. I have met the terms of the bonus. When I messaged TD Bank about the bonus they sent me the following message : " Hello XXXX, Thank you for contacting us in regards to the new account opening promotion. 

TD Bank is currently offering a new promotion that is available only through the Online Banking, by clicking on the " apply now '' through the Ad on TDbank.com. Once the account has been opened through the landing page, the applicant can choose between one of two options : Open a TD Convenience Checking account plus receive direct deposit ( s ) totaling {$500.00} or more within 60 days of account opening to earn a {$100.00} bonus. 

Or Open a TD Premier Checking account plus receive direct deposit ( s ) totaling {$2500.00} or more within 60 days of account opening to earn a {$200.00} bonus. 

The account must be opened for at least 95 calendar days to receive the incentive. In addition the applicants must be a new personal checking customer, meaning, they must have no existing or prior personal checking accounts at TD Bank. However, they may have an existing relationship at TD Bank. 

A review of our records indicates that this account was opened in person at your local TD Bank store location. Where this is an online only promotion the account would not be eligible for the promotion. 

If it is helpful to note, TD Bank does run promotions periodically for current, or past, Customers. Please feel free to check in with your local TD Bank Store for any promotions that may be available in your area. 

We apologize for any confusion. 

If you have any further questions, please contact us via email or call XXXX to speak with a Customer Service Representative, 24 hours a day, 7 days a week. 

Kind regards, XXXX XXXX. 
TD Bank On-Line E-mail Specialist '' There are two problems with this response. I received an email of the promotion from a TD Bank representative. She informed me that I was eligible for the promotion. The promotion she sent me says nothing about the account having to be opened online. The 2nd issue is that the response says the promotion was for {$100.00} when in fact it was for {$150.00}. I have the email that the representative sent me. This is completely unacceptable to tell me I can open an account and get a promotion and then months later after I have already completed the terms tell me that I can not get the promotion when the representative said I could.
Repeatedly and incessant phone calls to my cell phone, EVEN after I have called them and told them it is not my bill but it is my NEW phone number.
I sent a debt validation letter on XX/XX/XXXX by certified mail and they received it on the XXXX and still have not responded with a contract with my signature or anything for that matter.