WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX Loss Department will not release to me the amount reimbursed by XXXX XXXX for hail damage suffered in XX/XX/2018. XXXX  issued a partial payment check for {$24000.00} and I forwarded to XXXX Loss Department in XXXX, NE in XX/XX/XXXX ( XXXX ) when Affordable Roofing and Restoration had completed the work on the home. The barn reroofing is pending. 

Attached is the receipt from Affordable Roofing showing paid in full and a cash deposit receipt from XXXX. XXXX for a down payment to order materials for the barn roof. 

The response from the Loss Department at XXXX XXXX has been beyond incompetent. I have sent via email, mail and uploading many documents requested often over two times. They still have not released a check back to me for work done to date which I paid for of {$17000.00}.
This is my XXXX complaint against my mortgage company. For this complaint, I called last XXXX to get information for a Deed in Lieu of Foreclosure. I was told by the agent that I had to attempt a short sale XXXX for XXXX before a Deed and XXXX could be considered. Speeding up on the same subject, about XXXX months ago I requested information for a short sale. The information provided had all work out options including Deed in Lieu. I read the information for a Deed in Lieu and it did not say anything about having to do a short sale. I called again and spoke to a representative and agreed with what the paperwork said. She tried to go back in the notes to see why he would tell me that but she said she said since my account transferred to a new system, she did n't have access to anything earlier than XXXX 2014. How convenient. She said I can still attempt a Deed in Lieu but since my house is already up for sale I just wanted to finish out this option first. After submitting the shortsale information, I received correspondence stating that they received my request for a loan modification and I will receive additional information for what is needed. I clearly filled out the information for short sale and not a modification. I added the information for my realtor and her contact information, giving permission to speak with her. Then I received a letter from an Attorney basically suing me and I had to respond to the Answer, which I did. I called last Wednesday and the lady at the law firm could not find anything for me, not even a file. She transferred me to XXXX which just happened to be a mailbox, I explained I just wanted to verify again that it was received. If not, then I can fax the information over. I did not receive a call back, letter or anything. What I did receive today was a Motion for Default Judgment because I failed to respond. I called the law firm again and they were closed. I called the mortgage company, and of course he had no information on file. He suggested I speak with the short sale department and explain the judgment to see what has happened. He transferred me and they were closed. I ca n't deal with them on my own anymore. I keep trying to do the right thing and just not walk away, and sell the house and not leave it empty, but I still keep getting the incorrect information. That is not fair to me at all. I am trying to do right and have a lot of things on my plate besides this and I am still getting screwed. I do n't have the money to hire an attorney but if I have to I will make sure Ocwen absorbs the cost. I have done everything I was suppose to do and I still get sued.
In XXXX 2015, I received a letter from CHASE saying I was pre-approve for a home loan. Since I needed to get a refinance loan for my XXXX Mortgage with CHASE, I decided to meet with the CHASE representative in XXXX XXXX. I paid XXXX dollars for the appraisal and I want a refund of this money since I was assured the loan ( on XXXX XXXX, 2015 ) was a positive based on the material and documents I submitted. The appraisal came in at XXXX on XXXX XXXX, which was more than enough since the loan was for less than XXXX. On XXXX XXXX, 2015 I was informed I could get the loan if I came up with XXXX. As I informed the representative I would not have paid the appraisal if I knew in advance I needed to an extra XXXX dollars for the loan. 
Subsequently I applied with another Bank, XXXX ( XXXX XXXX ), and was able to refinance thru them. 
I did sent a XXXX page letter to the representative with attached documents supporting my claim and he inform me via e-mail they could not refund my appraisal fee. CHASE has not responded in writing regarding my refund.
Over the last 6 years I have disputed 8 public records on my credit report that have pretty much destroyed my ability to obtain credit from any creditor using Experian. I have been denied credit over 10 times. I have made Experian aware that I was a victim of identity theft, provided police reports and notes of my own research as well as I sent proof and documentation from the other bureaus that did verification and removed the inaccurate information. In the past I have requested the method of verification used to verify the accounts and never received it. I called the Bankruptcy courts and was told that they do not report bankruptcies and that the information I provided could not be found in their system. I also contacted agencies that such as XXXX which is used for verification purposes and was not able to verify the information on my credit report. I have mailed another request for investigation Experian onXX/XX/2018
Wells Fargo Mortgage company reported to the XXXX major credit bureaus - XXXX, XXXX and XXXX XXXX, that I had a delinquency/late payment in XXXX 2013. I am including a copy of THEIR own payment history to prove that I paid the mortgage payment timely. This needs to be corrected with all XXXX credit bureaus.
XXXX and equifax both have received multiple disputes from me since XX/XX/2018 regarding two derogatory accounts, one is XXXX   and the other XXXX XXXX.these accounts were disputed because of identity theft and the reason i want it removed obviously.XXXX XXXX XXXX XXXX was the first to remove their account from reporting.i attached a document that shows the resolution of that complaint i filed through customer financial protection bureau. XXXX   hasnt been through in my opinion regarding XXXX, being i have been clear on what it is im disputing but instead of fixing incorrect information, the outcome is either more incorrect than before or unchanged at all. I feel that something isn't quite right so i asked for the full reports of how the investigations were conducted but i have not received those reports from neither fingerhut or XXXX and equifx. Unfortunately i have family members who has lost their homes from from the campfire disaster in northern California that barely missed my home and i can't even apply for credit with collection accounts on my report that shouldnt be on it.i want to be able to help my family get through this and make repairs to a second house i own so it can be used. I feel my disputes are not properly handled and little effort to fix them.i pray XXXX equifax and XXXX recognizes the urgency in fixing these errors.
Company called from XXXX said they were with compass bank and that they are collecting on a loan that was depostited into my account in 2010. They had the last XXXX of my ssn. Rep said that if I did not pay by Friday they would come to my job and arrest me.
My company sends my information slow to a lender. They see how much I get paid or how much I have in my account and decide how much to lend me. They have sent my information slowly and the company wo n't lend me any more money.
I was going over my credit report please remove the following addresses they are not mindsXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.

My real address is XXXX XXXX XXXX, XXXX  OH XXXX.

My current employer is XXXX XXXX.

My Name is XXXX XXXX XXXX please remove any other variations.
I used Equifax to get my free credit report. When doing so I noticed that there was some sort of bill that I owed to XXXX. I called them about it to see if I had a remaining balance with them. They checked their system and did not find any kind of balance that I supposedly owed. XXXX gave me the direct line for citations so I could call to see if I owed a balance with them. They checked their system and did not find an unpaid bill. 

I am not too sure how to go about getting this off my credit report since I do not owe anything and it is hurting my credit. Please contact me at XXXX. 

Thank you, XXXX XXXX
Wells Fargo charged me for monthly property inspections, hundreds of dollars in late fees, attorney fees, and reversed payments when I made double payments in a single month. 
I continually requested assistance to overcome the payment challenges I was having. Until the most recent statements from Wells Fargo, I was only allowed to participate in the modification program if I agreed to payments that were increased by almost $ XXXX/month and increased by many years. Until I complained I was not even given the chance to do that. Low and behold the payments just recently were lowered to about $ XXXX/month less than original payments and the monthly mortgage insurance premiums were lowered to $ XXXX/month, down from $ XXXX/month. This complaint is for the XX/XX/XXXX and XX/XX/XXXX time periods where my loan had reversed payments when I paid double payments in a single month. I want ALL the reversals that were done on my account reversed. I will submit the next few years in blocks of 2 years at a time due to the confusion of my double payments. I will also submit the request for relief from the XX/XX/XXXX FORECLOSURE pending from another " trustee '' that is based in Washington. My home has been in constant threat of foreclosure since XX/XX/XXXX and I have had to file bankruptcy several times to stop the sale of my home that I am living in, where I raised my children. 
PLEASE MAKE WELLS FARGO ACCOUNTABLE FOR THEIR MISTAKES AND stop kicking people out of their homes.
I have sent repeated letters to Experian in regards to the compliance of an how an Inquiry has been reported on my credit report. The Inquiry is listed as XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they informed me via letter that they do not grant loans or accept credit applications. I then send a demand for immediate removal letter to Experian to remove the inaccurate inquiry. I have sent them several letters demonstrating the REQUISITE LEVEL OF PROOF from XXXX XXXX XXXX that the inquiry listed is reporting inaccurately and non compliant.
I researched the information, an this debt was back in 2011 .It exceeded the State of Texas statute of limitations Debt collection ACT. 4 years past due. They put it on the credit report to make it look like it just happen.
I recieved defective vouchers from XXXX. I called raise immediately. I filed a dispute with Citi soon thereafter. 

Citi refused to further help me. They denied my claim saying I had not contacted Raise in time and had to resolve the issue with Raise. This is incorrect.
Respected sir I am XXXX XXXX from XXXX and I have been fighting a litigation in the XXXX court. I am an USA citizen. I would request you to help me get the transaction made from USA to XXXX by me from the XXXX-XXXX I have tried with the banks and henceforth I am submitting to you the documents My email - XXXX
XXXX, XXXX, TransUnion, CFPB & FTC Please take note of the following : Per CFPB Complaint # XXXX Direct Dispute with XXXX XXXX. XXXX XXXX stated the following : Our office received multiple disputes filed through the credit reporting agencies ( CRAs ) beginning XX/XX/XXXX. In response to those disputes, we reviewed our records and confirmed that the information we reported to the CRAs, including the number of payments and delinquency dates were accurate based on our records ; as such, there are no adjustments necessary. Our records do not indicate any previous changes submitted by XXXX  to the CRAs. Any discrepancies reported by the CRAs would need to be addressed by them directly, as we report the same account information to all CRAs.

According to XXXX   XXXX the issue is with XXXX, XXXX  and TransUnion reporting incorrect information and puts the burden of failure on each of the CRAs, as well. Ive disputed this account for inaccuracies ( 4 to 5 times now with each bureau ) and each time payment dates have changed.

Question is : If XXXX is reporting the same information to each of you and you all are reporting differently plus the fact that the on-time/ late payment dates are being changed during each dispute. Who the XXXX, is making these inaccurate changes. In according to XXXX XXXX   claim these are changes to the account they did not authorize or initiate. This constitutes fraud.

Each Report for Each of these bureaus have changed during each dispute and I have the screenshots and the reports to prove it. See attached FYI : I have previously asked you to remove this account to it being inaccurate and unverifiable, but yet you refuse to. I hereby demand, the removal of this account in full based on the facts stated above and previously. You have failed verify the accuracy of this account but yet lie and tell me its verified when in fact it is not, repeatedly.

[ attached : Screenshots showing various changing dates, etc ] Either the CRAs or XXXX XXXX is lying, but none the less, due to XXXX XXXX statement in our direct dispute CFPB Complaint # XXXX dated XX/XX/XXXX, this account just became unverifiable.
I received a phone call on XX/XX/2018 by a woman named XXXX at my place of employment. I asked her to not call me at work as I am not allowed to have personal calls. I provided her with my cell phone number and told her to call there. 

On XX/XX/2018 today around XXXX she called my cell phone with company Financial Account Services in XXXX from telephone number XXXX and then called my place of employment again. I immediately informed her that I had already told her not to call my place of employment and that I gave her my cell phone number. She then stated, " but you never answer or call me back. '' I then replied, that is what voice mail is for. Again she reiterated that I dont return her calls. She then says, okay well I will be sending this file up for other more severe actions and ended the call. 

About 15 minutes later I called the company back to make a formal complaint. A woman answered and did not give me her name. I stated that I wanted to make a formal complaint about an employee calling me at work. 

She transferred me to an older man. I told them what had happened and he did not in the least seem to care. I told him that they were more than welcome to call my cell phone and he interrupted me and started, " oh we wont be doing that any longer, now we are getting an affadavit and the next time we contact you will be through a summons to court. '' I then told the man that I had not received anything that his company had been sending and he became very sarcastic and said that is surprising considering that we mailed out a letter in XXXX. I replied that he will need to verify that this is indeed my debt because I didnt know what debt he was referring to. He stated that his company does not have to verify anything with me. 

At that point I told him that i would be seeking legal counsel. At this point this company seems shoddy in its business practices. I understand they have a job but they caused me distress at my place of employment by calling there when I had already asked them not to, the man refused to acknowledge any part on the verification and legitimacy of the debt, and threatened me when I advised that he could call my cell phone.
I bank with XXXX, the scammer said they banked with XXXX XXXX XXXX and we should use XXXX. 

On XX/XX/18 at XXXX MST, I sent {$300.00} to XXXX XXXX XXXX an account under the name of XXXX . The phone number associated with the account is XXXX. I sent the money in exchange for football tickets. 

I contacted XXXX within 40 minutes of initiating the transfer as it was and is still pending. I was hoping they could reverse the transaction. They said they would file a complaint and that's all they could do. They did not tell me I would get my money back or if I would lose it. 

I contacted XXXX through their online form and told them the exact same thing. I received an email from them saying someone would get back to me within 2 business days.
Hi CFPB I raised a support ticket with XXXX, immediately after the platform crash they suffered, on the XX/XX/XXXX and again on the XX/XX/XXXX. They have only confirmed that they had received the support tickets, but did not provide support ticket references, then sent out an standard email on XX/XX/XXXX confirming they are having delays dealing with tickets ( which I empathise with ) and that they are prioritizing their responses. 

The contents of the second ticket, sent XX/XX/XXXX, explained my issue : " Hi Support I have not received a response to my request as yet, please can you help? 

My sell order for XXXX for XXXXBTC incorrectly fired around XXXX on the XX/XX/XXXX.  Your systems also dropped so rapidly it sold at levels far below XXXX - XXXX to XXXX, XXXX ... please provide evidence if was due to a system error and not a real price. 

Can you also confirm that the historical graphs for XX/XX/XXXX, around XXXX British Mean Time, now look completely different to what XXXX was showing on the day for the price of BTC/GBP ... now your site is showing a peak of XXXX but it definitely spiked at XXXX. 

Your graphs are now showing a low of around XXXX - my sell order was XXXX ... this is clear evidence that the sell order only fired due to your systems falling over. 

Can you confirm you can see the sell order cancellation request prior to your systems erroring? This was done around XXXX? 

I lost approximately XXXX of a BTC ... I'd purchased XXXX of BTC that morning and this error has wiped out my investment on that day effectively. 

Please can you help resolve this issue and refund me for the lost BTC? 

Much appreciated XXXX XXXX '' On the day of the XX/XX/XXXX the sell order fired incorrectly at XXXX British Mean Time and I then bought back in at XXXX when the price on XXXX had returned to the correct market value. I sold XXXX BTC and bought back XXXX BTC. I lost XXXX BTC due to the incorrect sell. 

There were also 2 charges of XXXX and XXXX from XXXX for the trades. None of these trades should have taken place and I should not have been charged due to the XXXX platform fail over/glitch. Please can you help? 

Thank you for your time and consideration. 

XXXX XXXX
On the evening of XXXX XXXX, 2017 I went to the Bank of America 's Teller Assisted drive up window at XXXX XXXX, FL to cash a check. But when I placed the check into the machine it got lost, so the video teller started a claim dispute process and told me it could take up to 45 days. 

In the following days I called the telephone number he provided to inquire if anyone had even looked for my check outside in the ATM machine. But the only response I ever got from the Bank of America was that its investigation was underway. Later, I received a letter indicating the bank would issue a temporary credit line for the amount of the check while it conducted its research. Then after a week, I received a response from the bank stating, 'We have concluded our investigation and determined an error did occur ' and that 'The temporary credit for the amount is now a permanent credit, thus closing this dispute '. 

When I gave my check to the Bank of America I expected to promptly receive cash or have my check returned to me upon request. I had the right to know the whereabouts of my check and the bank had an obligation to locate it in a timely manner. It took the Bank of America over a week to cash a simple check and never admitted any wrongdoing on its part or apologized for its error. Instead, the bank slapped me with credit and treated my concerns as unimportant.
Ray Skillman XXXX XXXX in XXXX, IN, the buy here pay here section, was given a XXXX XXXX XXXX XXXX ( XXXX in color ) back because the vehicle had to many issues and had been looked at three times for electrical issues in the passenger front door panel. The dealership placed a voluntary repossession on my credit. I gave them back the van so that we did not have to go too court because of the state 's lemon law. There are two issues that are present, first when the vehicle was sold and prior to any documents being signed we found out that the vehicle had been in a car accident and was not reported. At that time a written agreement was written and was signed by the sales manager, that if there was any problems with this vehicle that they would do what was necessary to get us out of it. Well they never feel through on this agreement ( it is on the back of the first page of buyers agreement ). Second I gave the company the three strikes that is required by Indiana state law to declare this vehicle a lemon but they still claim on my credit as a voluntary repossion. This vehicle was given back to them because the electrical problems were causing issues with driving and the passenger front window would not go up or down at times.
I opened a basic checking and saving account with Wells Fargo. I was told I would have no fees. After several months I noticed I was being charged a $ XXXX monthly fee from my savings. When I disputed these charges I was told I needed to make a minimum balance or minimum transactions which I was not informed of when I opened the account. They refused to refund the fees.
I do not know who this company is or why they are contacting me about a XXXX XXXX XXXX. I called and they can not provide a validation of my account or any information but placed it on my credit report. I was told they tried to call in XX/XX/2017 and couldnt reach me at a number I had never heard of. I further asked if I was ever contacted via mail and they said they are not required to mail anything as a phone call is sufficient. This appeared on my report out of no where and I want it deleted immediately! I was told by their rep they are not required to know the FCRA rules cause its a third party collection agency and they purchased the debt and thats good enough for them to say its mine.
I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because XXXX was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did XXXX allow such numerous companies and some more than once access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.
I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation