WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX our CD matured and we were not notified and the bank automatically renewed it at a lower rate ( .25 % ). When I called the bank 3 weeks later I was told there was nothing they could do about it, even though I told them I never received a renewal notice. I was told I could close the account but I would be charged a {$60.00} penalty fee for closing the account early, so we left it alone. On XX/XX/XXXX we get a letter from the bank telling us that we may not have gotten the renewal notice on our CD and they apologize for the confusion and want to give us the opportunity to either : 1 ) Change your CD term without penalty 2 ) Close your CD without penalty 3 ) Continue with your existing CD term - no action is required. They gave us till XX/XX/XXXX to make a choice. I went to the local branch and asked them to give us the interest rate that we should have gotten back on XX/XX/XXXX and they said they could only do what was in the letter we got, so I closed the account and put the money in a different bank.
I was a victim of identity theft. Someone open several accounts under my name without my authorization. I have no idea what this debt is about. Will like this company to stop calling me and sending me collection letters.
American Express is still reporting TWO credit cards, a business and a personal credit card that I have already stated was opened fraudulently. I have spoken with their fraud team and they said they cancelled both cards, but I am STILL receiving bills from them. Furthermore, their were charges taken from my bank account making payments on the " XXXX XXXX '' that I did not authorize. I have already sent a copy of my police report, FTC affidavit ( listing BOTH fraud credit cards ) and sent them to the credit bureaus and they have stated they have sent them to American Express so they should be deleted by now.
I have been trying, in vain, over the course of a week, to place a freeze on my credit file at Transunion. Their website returns an error ________ We are unable to complete your request. 
What happened : Unfortunately, we are unable to process your request based on the information provided. 
What to do : Please contact us at XXXX XXXX XXXX XXXX. 
_________________ The phone number places the caller on hold indefinitely. ( I mean Forever! ) They have Never Answered this number. I have tried other numbers in their contact list but am referred back to the website. 

This company should NOT be allowed to store or report any private credit information, they are INcompetent!
On XXXX XXXX, 2015, CitiBank/Sears issued a Sears Mastercard to someone in my name using my social security number and a different date of birth. I had identity theft in the past and have an active 7 year alert in place with all XXXX credit agencies. The alert says to call me at my phone number before approving. Sears did not do this. Rather the agent on the phone explained that Sears used another means of validating my identity by answering some security questions from my credit report. Sears is now going to issue me the card then cancel it and credit me the approx. {$700.00} in fraud against them. 

There should be some sort of penalty or fine for companies that call the number when there is an active fraud alert on the credit record. I find it very frustrating that Citibank/Sears can approve credit in minutes but thats 45 days to remove the record from my Credit Report. It has cost me 2 hours of my day to get this resolved, and it is still not resolved.
I applied for a credit card through Wells Fargo in XXXX MT on XXXX XXXX 2015. I never received it but was approved. They sent it to my past addresses that were listed in my credit report. I checked my credit one day and found out that I had this card and it had been being used by someone else. I cancelled it and reported the fraud. Later I check and find out it was also connected to a checking account that I was a co on. I did specifically ask that this card not be attached to any checking account and was told that it would not be, but it was and that checking account kept getting over drafted without my knowledge and put against my credit card up to approx. {$8000.00}. Approx {$6000.00} was overdraft fees. I contacted the bank to talk to the guy that set my account up but he had already quit, I am pretty sure it was due to being forced to setup accounts like this. I had to pay it so I could cancel all my accounts with them because everything they did was a mistake and kept costing me more money. I believe they at least owe the amount in overdraft fees.
Hello, I was scammed {$200.00} on XX/XX/2018. I sent the recipient {$200.00} from my Bank of America account to his XXXX XXXX account using the XXXX payment. 

I filed a fraud report though bank of america and they said they have contacted XXXX XXXX and that XXXX XXXX has rejected my claim account. 

The XXXX transfer confirmation number is # XXXX to XXXX XXXX The recipient called me from ( XXXX ) XXXX, he has blocked my phone number when I tried to call him back. 

The recipient also emailed me from XXXX Any help you could provide to get my money back would be greatly appreciated.
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 

XXXX XXXX XXXX XXXX X XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 

XXXX XXXX XXXX XXXX X XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 

XXXX XXXX XXXX XXXX X XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 

XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623. 


I sent in dispute letters and I requested proof for all of these accounts.
I applied to Wells Fargo for a XXXX home mortgage. After submitting all documentation, they preapproved me to proceed. While in attorney review, they were delaying my mortgage commitment for no apparent reason, however offered numerous written assurances that our commitment would be forthcoming. 

After my contractual commitment to have a mortgage expired with the seller, WF informed me that they could only finance my loan as a conventional mortgage. They further assured me that they could meet my fund request of XXXX % loan to value but the interest rate would be .5 % higher. 3 weeks later, they told me that they could only fund XXXX % of the purchase. I had to proceed or risk losing a substantial amount of escrow. 

WF tactics of aggressive salesmanship caused me to incur substantial risk and damages since I had to proceed to closing by using funds from my IRA, with penalties, as well as forcing me to refinance immediately, and incurring substantial closing costs. 

Although WF agreed that their processor misstated her ability to receive a commitment and created a false level of expectation, they did not agree with my claim for damages since I could have declined the loan offer. They refunded my application fee of {$950.00}. 

My complaint is that my loan processor withheld full disclosure in order to keep me from cancelling the loan. They knew I had another lender however by the time they informed me of their final underwriting decision, it was too late to change lenders. 

The XXXX recently reported that WF has been fined for illicit sales practices and I believe my case is similar.
We have been denied a loan modification for the third time despite meeting all the guidelines. XXXX XXXX XXXX blames the Investor Deutsche Bank National Trust Company as Trustee on behalf of XXXX XXXX XXXX XXXX Mortgage. This Investor gave a sub prime mortgage and continues to be predatory in regards to how every six months our monthly payments doubles. In XXXX 2016 our payment increased by {$1000.00}. and in XXXX the payment doubles. This Investor gave us a four year trial modification which we paid on time for XXXX. This investor has refused to modified the loan permanently which is a violation of the law. The investor is hoping and praying that we stop making our payments so that they can foreclose on us. Deutshe Bank and XXXX placed a {$93000.00} junk fees and charges which continues to hurt us, because they gave us an interest only payment which does not exist anymore. This Investor does not want us to live their AMERICAN DREAM OF HOME OWNERSHIP.
I applied for a loan modification earlier this year with M & T Bank. The modification process was being serviced by XXXX XXXX XXXX. The purpose of my request for the loan modification is that my mortgage payment is {$770.00} with an interest rate of 6.750 %. I live on Social Security and can not afford the payments. The bank is willing to adjust my mortgage by only {$84.00} per month while keeping the interest rate at the same rate of 6.750 % .. The reason they gave was that I had equity in my home. They said my " loan to value '' ratio exceeded 80 % and they valued my house at {$100000.00}. I completely disagree with their valuation as the price opinion based on erroneous information. The broker noted my home as being a 2 bedroom, 2 bath home with a pool. This is false. I have a 2 bedroom home but only 1 bath and no pool. I live in a rural area. The 3 comparable listings they used had either more bedrooms or more bathrooms than my home. These other homes all have more rooms than mine and are priced above {$110000.00}. Since my home is smaller with fewer rooms it should be valued at significantly less than that. It 's noted that the average time on the market is 120 days. The 3 homes were listed for 4 months, 5 months and the 3rd at more than 7 months so the 120 day figure is inaccurate. Additionally since those 3 homes have not sold their list price should not be used as a barometer for what my home is worth. Of the comparable sales they cited only 1 property sold in excess of {$100000.00}, the other 2 were at {$74000.00} and {$75000.00} respectively. The high sale had a 3rd bedroom and was 1800 sq. ft. My house is only 1122 sq ft. I 'm not sure why they would say my house that has fewer bedrooms and is significantly smaller would be valued at nearly the same price!. Finally their report shows the condition of my house to be good. I live in a log cabin. The logs need to have a varathane coating for protection every couple of years. I have not been able to do this. I have a septic tank that needs attention and the home has a well pump and pressure tank that has not been replaced since the house was built over 20 years ago. There is other deferred maintenance including tree removal and roof repair. I live in a mountainous are and have no central heat..I use a wood burning stove for heat in the winter. None of this was factored into the valuation of my home and the only house to sell over {$100000.00} is not nearly close to what my house is. The other sales make much more sense. We disputed the price opinion in writing but XXXX did not listen and did not order a reappraisal Finally, XXXX referred my loan to an attorney to start foreclosure which while I was disputing the inaccurate price opinion and continuing to get my loan modified. This was in violation of the California Homeowner 's Bill of Rights as it is considered dual tracking
I applied for a rental property and, they used Equifax to complete a tenant screening. The credit agency included false criminal information in my record that didn't belong to me. There were multiple cases that weren't mine, the people that were involved shared the same name as me. This type of confusion causes a lot of problems when applying for rental properties and etc.
I recently refinanced my FHA mortgage to a conventional mortgage to get rid of the PMI, However when it was time to closing I realized that my FHA mortgage holder was collecting two months of interest and two months of PMI, whoever they were paid in 6 weeks and they did n't give me a refund for the extra 2 weeks paid, perhaps they collected for the month of XXXX and XXXX but they were paid off on XXXX XXXX, I believe they owe my the interest and the PMI charged for the last two weeks of XXXX, I have called but their customer service does n't seem to be too helpful trying to tell me that my refund was already issued, however all they ever sent me was my Escrow account balance not a penny extra.
XX/XX/XXXX CFPB : TARP Fund Recipient Bank of America gave up to {$60000.00} in enhanced relocation assistance to others, but gave me NOTHING! I demand that Bank of America give me {$150000.00} in enhanced relocation assistance, including interest, from their EVICTING me XX/XX/XXXX, stealing the personal property of XXXX Generations of my family, XXXX. 
XXXX, XXXX, a XXXX XXXX XXXX XXXX. My parents built XXXX XXXX XXXX, XXXX, IL. 
XXXX XXXX Real Estate Section reported Bank of America giving up to {$60000.00} in enhanced relocation assistance to others. Bank of America did not dispute that. On one Website Bank of America states : " That 's why Bank of America is excited to offer enhanced relocation assistance. Qualified homeowners who initiate a Preapproved Price short sale ( without an offer ) could be eligible to receive {$5000.00} - $ XXXX in relocation assistance and owe no more on their mortgage with the sale of their property, depending on the investor involved. '' Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
I am an XXXX working per contract. Last year I had a hard time finding a new contract, so I run out of savings and I fell behind with my bills. 
Finally in XX/XX/XXXX I found a 6 month contract in XXXX XXXX TN, working for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
We had a very tight schedule. We were working 7 days a week and over time. 
I received a letter from the mortgage company that my house was in foreclosure however they wanted to help and they were offering me several options. 
The first option was a repayment plan which I wanted to apply for. 
I am offering a 6 month repayment plan of XXXX dollars per month. 
The Bank refused the plan saying I have to pay the XXXX dollars at once. 
My question is why they offering me a repayment plan as a first option if they are not willing to go with it. 
On the other hand a 6 month plan is a reasonable plan that will solve the problem in a relatively short period of time. Instead, they prefer to drag me thru the foreclosure. 
They claim I have to modify the loan, but I say I do not want to do it because my mortgage has a lower interest than any modification. 
They want to get me on a higher rate so they can rip me off. 
Not unusual for a helping hand of a financial institution. 
Best wishes, XXXX XXXX
I owed XXXX and settled the debt with the company in XX/XX/XXXX. The company stopped reporting on my credit report in XX/XX/XXXX. For no apparent reason, the company started reporting on my credit report with Equifax since XX/XX/XXXX. Nothing has changed. I have disputed the item with Equifax, but they have failed to remove it.
I had made payment to one of the vendors on XX/XX/2018 and their collection agency told me that they sent a letter to Equifax stating that the account was paid in full, on XX/XX/2018. 

I just got an alert today and upon logging in I noticed that particular account was still showing as unpaid on their system. I contacted Equifax and they said their system is up to date. I told them that I have a copy of letter from collection agency telling them that the amount is paid in full. 

Equifax could not explain this. I asked to speak to a supervisor in their U.S. call center, they transferred me to supposedly their U.S. call center but nobody came on the line for 15 minutes. 

How is it that this is allowed to happen? Why aren't their laws against the complacent attitude that these credit reporting bureaus have towards consumer? One person tells me that they will call me and another person tells that they don't have capability of calling back. 

Thank you, XXXX
Since at least XX/XX/XXXX Multiple requests to Equifax to properly report the status of my account with XXXX XXXX XXXX have come back as investigated and confirmed when just looking at the reporting it is obvious that it cant be correct. Multiple phone calls escalated to supervisors who agree that its clearly wrong have had no impact Equifax Reports : XXXX XXXX : XXXX late XXXX XXXX XXXX XXXX XXXX Repossession XXXX XXXX They also report that this will be deleted XXXX XXXX The first delinquency is actually XXXX XXXX and by law this should drop off my credit report XXXX of XXXX. 
Numerous attempts to contact or dispute this with XXXX have failed and Equifax refuses to contact XXXX in any other fashion than XXXX which always come back the same. 
Multiple Equifax supervisors have agreed the reporting is incorrect but the reporting never changes.
Progressive Management Services refused to negotiate on this debt even though I told them I could n't make it to the next hospital where my XXXX condition would have been evaluated for free. ( VA hospital as I am a Veteran ) Also they are n't reporting the amount I have already paid to the {$1400.00}. I am still owing {$300.00} bout it 's being reported as a {$2000.00} debt. I told them I needed it paid so I could refinance my mortgage and she laughed at me when I asked her to negotiate. I feel this unfair, prejudice and unreasonable of this company.
Since Nationstar changed to XXXX XXXX, they no longer send paper statements to me. They send an email that should allow me to gain access to see the monthly mortgage amount due and date due along with other mortgage info. However, everytime I try to access my account with the link, I get a message that the website is down. I have tried on 3 different days, multiple times. The site says that you can still access mortgage info if you call an 800 #, but when you call the 800 #, a recorded message just tries to sign me up for a medic alert system and " free '' cruise, then disconnects me. I can not connect with a rep nor am I able to access recorded account info.
NP Group has been calling my phone and leaving threatening voicemails. I only know that they are a debt collector from my online searches. The message says that this is a location and tracing effort on the whereabouts 'my name ' with the last four digits of my SS #. They said that they are allowed under law to contact all references in my file including friends and family. It also indicates that it is imperative where I am this person or not to contact them immediately or action will be taken. I called them back twice and they will not give the nature of the call only that they are a third party interest and need my location. They said they would not cease calling me and would start calling my family members if I did not confirm my exact location and give them my social security number. I 've checked my credit report and there has been no action from this company. I have no oustanding debts and my loan ( car ) is current. They operate under ttwo numbers 1 ) XXXX or 2 ) XXXX. Their address : NP Group, XXXX NY XXXX. They are not registered wth the XXXX.
I have a past due payment on my credit report for XXXX and XXXX ( Transunion and XXXX ). I do not own this credit card.
The Law office of D. Scott Curruthers has been contacting me about a debt that is unrelated to me. They have been harassing me as well as other members of my family. The apparent debt allegedly has to do with my brother. If there is debt to be collected by someone, you call that person. My father, mother, step mother as well as myself have been contacted by this agency. I believe it 's illegal and also unprofessional to disclose debt information to someone that is not involved with the debt. I 've demanded that they stop calling but all I get is a voicemail. Please make this stop!
XXXX XXXX XXXX {$630.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Received a call from someone who claimed that they would consolidate my federal loans, get them on an Income Based Repayment Plan, and get me loan forgiveness, for a price. I told them that I am not interested in paying them for benefits that my student loans already have for free.
FedLoan Servicing continues to send me bills for loans I did not make even though I have proof that I did not. The company states they made loans to me although I received no monies from them. They also state they sent monies to University XXXX who returned all monies to them. I have receipts from the University XXXX proving my case.