WillisBack/dataset-financial-user-claim huggingface dataset:
This mortgage is the second on the property. Due to hardship we are going through a DIL on the property. Process started in XXXX. By XXXX the primary mortgage had approved the DIL but needed the second to be cleared. We had contacted the second mortgage communicating out intentions and filled out the requested paperwork in XXXX and early XXXX. The first mortgage made a settlement offer. I was given verbal confirmation that the settlement was approved near the end of XXXX. An acceptance letter was sent in XXXX. The letter was not the appropriate letter for the situation. It stated that they would take possession of the property, not release the lien, among other things. After much discussion between myself and the two mortgage companies, an appropriate letter was produced. We signed it and notarized it. The first mortgage sent a settlement check near the end of XXXX. The check was " lost '' ( it did eventually turn up 8 weeks or more later ). The first mortgage had to cancel the check and send another. This check was received XXXX XXXX and put into a suspense account. I was told the request for a release was filed around XXXX XXXX and would be completed within 30 days. The first week of XXXX it had not been completed. It had been shuffled through departments and " misplaced ''. I was told that it would be processed as soon as possible. It was sent in for recording on XXXX XXXX. The county returned it because they did not include recording fees. Initially, they were waiting for the returned documents to show up ( which to my knowledge has not happened yet ). After much insistence I was told that a new set of documents were being drafted and sent in. It is XXXX XXXX and this has not happened yet. 
Main complaints : Every step has taken to the last moment or longer to complete. 
Settlement acceptance letter was incorrect - should be standard. 
Emails and phone calls were rarely if ever returned in the " 24-48 hours '' All mailed documents/check lost I have had to follow up with every step to get anything done Recorded documents sent without payment. 
This should be a standard occurrence and every step has had issues. It feels deliberate or incompetent.
XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE, XXXX Attention : Legal Department To Whom It May Concern : This letter is in response to your letter for account : XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request. 
Sincerely,
To Whom it may Concern ; My name is XXXX and my husbands name is XXXX. We have been banking with USAA for about 10 years with no issues but currently we are experiencing a problem with Fraud and USAA emptying out all of our accounts to cover the offset the amount of the fraudulent activity that has taken place out of the State of XXXX. 
We notice our situation on the XX/XX/2017 when we discovered through our online banking account multiple electronic deposits happened on XX/XX/XXXX and XX/XX/XXXX totaling up to around {$20000.00} were made then multiple ATM cash withdrawn totaling up to {$20000.00} within the matter of hours from one of our checking accounts. Since my husband and I are the primary account holder they have taken all our money in all of our accounts to pay for the fraudulent activity not committed by any of us. I tried going onto my account to print out those transition in order to file a police report but my online account access was locked and was told I can not have access till an investigation is completed by their fraud department. A USAA representative stated these transactions are made from our sons account which is a Sub-account under our primary account, we are held responsible for any transactions even if a fraud claim has been made. USAA made it clear to my husband and I that we have to cover USAA 's lost. 
After much research very similar situations have occurred with other USAA members having their accounts wiped out by USAA to cover for fraudulent activity out of the State of XXXX. The exact same situation, same account fraud type, and same response from USAA. I do n't understand how is it that if USAA have a cash withdraw limit of {$600.00} per day but allow multiple {$1500.00} withdraw in a matter of hours. This wiped out my son 's paycheck. My husband and I are XXXX and my son is XXXX in the state of XXXX. And now they are holding our funds as well. USAA was are primary and only bank. I have nothing and is using credit cards to manage till my husband and I get paid again. Till this is settled, we had to open up a new bank account to ensure our future income/ funds are not depleted. 
Thank you.
Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to Experian I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.
wells fargo foreclosed on our home broke the bottom door apartment although we were home up stairs we were supposedly working on modification with themthey claimed i never had a court case case #  XXXX  never had my day in court but did they show up? this should be investiated we sined for PARTIAL PAYMENT PROGRAM WHERE THEY EVER PAID on our behalf from the government? they keep saying what happened as if they are right wheres the investigation? check were sent back because they said it wasnt the full amount of mortgage owed when it was only suppose to be a monthly payment.said we idnt keep in touch i have dates times and names so how can that be. im not giving up on things they said we were working on and then got put out
yes XXXX XXXX put in another credit card under my name ssi number XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doing fraud useing my information.
PNC Bank has manipulated our deposits and debits in order to charge us overdraft fees. We had a deposit that had not been credited to our account before the debits and it has caused our account to be overdrawn. If the overdraft fees were not added then we would not be overdrawn. The timing of the fees, the credits, and the debits is extremely shady and causing us more financial issues and it is creating a problem with our finances.
I submitted an online loan application on XXXX/XXXX/XXXX. After loading my bank account information for the loan proceeds and monthly payments, I could no longer access my account and finalize the loan terms. Repeated calls and email exchanges with their client services and VOC Manager XXXX XXXX resulted in no resolution. XXXX XXXX and the client services team constantly contradicted each other as to the cause of the issue. I was informed by client services that I had created XXXX accounts, # XXXX and # XXXX. The latter account is not mine, and I repeatedly told both XXXX XXXX and the client services team it was not. The latter account was even created with an email address that is clearly not mine. The email address contains the domain of a company I did n't even know existed, and currently operates out of the state of Tennessee. The most disturbing detail stated on the response by their client services on XXXX/XXXX/XXXX is my social security number is listed on the account that is not mine ( the email from client services is being accompanied with this complaint ). I informed client services and XXXX XXXX to delete all of my personal information as I would not conduct any business with them since they can not guarantee the would not conduct any business with them since they can not guarantee the confidentiality and safekeeping of my personal information. Surprisingly, I received an email from Prosper on XXXX/XXXX/XXXX stating their Privacy Policy XXXX. Clearly, my personal information has not been removed from their files. I am concerned about the possible access and or distribution of my personal information, as they did not perform their duty to keep it confidential from what I can see at this time.
Procollect Inc has listed our son 's debt on my husband 's credit report. I called to inform them of their error, and the representative was very brusk and constantly interrupted me. Further, Procollect continues to send notices to our address rather than our son 's. Lastly, our son is mentally impaired and under the care of the Texas XXXX agency. He has no means to pay this debt. I have informed Procollect of this both by phone and in writing but they persist. The rep 's response today was unacceptable behavior so I 've decided to post this complaint. Please help to get this resolved. Thank you.
I contacted USSA credit card customer service on XXXX XXXX, 2017 about a filing a dispute on my card. The person i spoke with told me that he would file the dispute and asked me several questions about the complaint. I answered all his question and asked if i needed to submit anything since i had several merchant write letters where the previous merchant did not do the work correctly when they installed my floors. He said he did not need anything but if he did he would send me a letter. He even issued me a finance charge credit to my account the very next day. When i called to ask what that was they stated it was due to the recent dispute i filed. To this day i have not receive any letter about a dispute. After a few weeks i called and the rep told me she did see the rep and i asked how long would they give the merchant to respond. She stated they give them 45 days and we are about 3 weeks into that process. I called again when we were about a few days until day 45 and again the person I spoke with told me that they saw the dispute and that in a few days i should have a credit because they could see my dispute and that the merchant had not replied to my dispute. i was feeling good as I had hired the next company to fix the floor. i was really hoping when i got the credit that I would be able to pay the new merchant. After giving them over the 45 days i decided to call since i had not heard anything. I got a customer service rep and they ended transferring me to their dispute are. The worst part is that the dispute rep said no dispute was ever filed and that i had to start all over again. I was very upset and i feel that REG Z, a federal law, was violated since they stated to me a dispute was filed and they they gave the merchant enough time. I have waited 45 days, 60 days and now the merchant tells me i have to wait 120 days and i feel that is not right nor fair.
While window shopping for a car deal, during my discussions with the car salesman and even the financial manager, I was specifically told that my credit report would not be pulled so that no hard inquiry would result. However, the very next day I checked my credit score and it had decreased because of XXXX hard inquiries by the car dealership. I never authorized them to pull my credit report. I have written a letter to the car dealership and have even placed a call to speak with XXXX of the financial managers. The financial manager with whom I spoke told me that he was going to investigate. It has been over a week and nothing has been resolved. The XXXX hard inquiries still show up on my credit report.
On XXXX/XXXX/XXXX, I sent out a debt validation letter to XXXX XXXX XXXX about account XXXX. They received the item on Friday, XXXX XXXX. 

They responded within 30 days, however they are still attempting to collect the debt from my, although it is past the state of Florida 's Statute of Limitation. Proof of there attempt to violate Chapter 95, Section 11 ( b ) of the Florida Statute of Limitations is attached, listed at the bottom of their document. They state : " This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose ... '' I have grounds to pursue legal remedies if this issue is n't resolved immediately.
Wells Fargo bank got A direct deposit from XXXX of {$730.00} of XXXX XXXX XXXX XXXX and the bank closed her account and refused to give XXXX XXXX her Money at XXXX of there banks on Thursday XXXX XXXX 2015 as far as we know they still have the Money. XXXX XXXX XXXX XXXX, XXXX -- XXXX -- XXXX
I have tried many times over the past 2 years or more to be placed on an Income Based Payment Plan. Navient will place me in Forebearance and direct me to the internet to continue my application. Once there, I can not complete the application without my husband 's " signature '', but we can not figure out how to include that. He lives with me and we are both aware of and interested in the Income Based Payment Plan. I now owe almost double or more on my student loans than I did when I completed college.
XXXX XXXX went to this loan place XXXX XXXX at XXXX XXXX XXXX mi useing my ssi number to get auto loan this fraud. her address XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX.
My husband and I lived in an apartment that became to expensive to live in once my husband lost his job. We had never signed a lease to stay at the property listed and were just staying month to month. When we found out that we could n't afford to live there anymore we were notified we could n't stay and we moved out within the designated period. We have since had a XXXX dollar collection put on our credit reports with two of the three bureaus. We do n't owe that money because we were not in the place long enough to have that amount accrue and because we never signed a lease in the first place.
I started monitoring my credit and notice that this company American Credit Acceptane ( which I did not not regonize, because my auto loan was with XXXX XXXX, which I now know is affiliated with American Credit Acceptance ) was reporting on my credit monthing stating that I owed an outrageous amount of money for a repossession that happened on XXXX/XXXX/XXXX which was also charged off, but before they charged the debt off for the XXXX Ford Excursion it was sold at aution to get whatever they could get for the vehicle. I received a letter from the company telling me what they sold the truck for. Now I am filing a complaint because today XXXX/XXXX/XXXX I called American Credit Acceptance and I first spoke to a rep named XXXX and explained that I sent a certified letter to theme and it was signed for XXXX/XXXX/XXXX by XXXX XXXX asking for documentation under FDCPA asked for records so that I could compare to my records because this company was reporting an outrageous debt amount, and that under FDCPA that the company was in violation. She replied we have no records, I said I would be filing complaints with the Consumer Financial Protection Bureau for non compliance-XXXX- The Attorney General, I said I wanted this account deleted due to non compliance of section 809 of FDCPA. She placed me on hold I was told that the manager a guy by the name of XXXX would call me by XXXX. I received at call at XXXX from XXXX who may I add was very nice but in a rush telling me that he was unsure of what is going on, so I explained everything that is mentioned above, and that I wanted account statements ( he said he could not get because XXXX in the dispute department was not there at the time but he will try to get the statements. I 'm baffled so how are you reporting inaccurate information ) next he said I can get you the original signed contract along wit Payment history out in the mail to me tomorrow when he comes into work. I said how is that telling me the balance I owe? Where is the letter stating how much the truck was sold at auction for? I wanted to compare records.
This is an addition so they can plant a file a while back stating that Shabana motor was having me over pay for my vehicle and they repossessed it, I found the transaction receipt that I was looking for at the time when I filed a complaint on this transaction receipt dated XX/XX/2018 it clearly states that at the time when I made a payment the remaining balance on the loan what's {$9700.00} in the time between XX/XX/XXXX in XXXX I made a total of 6 monthly payments each monthly payment was {$480.00}, that's a total of {$2800.00} so that should have left my remaining balance at at {$6700.00}, but Shabana Motors still has me owning {$8900.00} it doesn't make mathematical sense and it's incorrect.
Attention to  XXXX   XXXX  : LOAN #  XXXX  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX  , Florida  XXXX  Borrowers Name :  XXXX   XXXX   XXXX  To :  XXXX   XXXX , Single Point of contact of Contact of Rushmore Loan Management Services LLC.   On   XXXX   XXXX   XXXX  , we faxed the complete package to your Company requested a Loan Modification, which include the following documentation Authorization release information copy of the Mortgage statement,  Rushmore Borrower Assistance Application c ompleted and signed,   XXXX   AND  XXXX  Income taxes return, 2 months of paystub, 2 months of Bank  Statements and Utilities bil ls. The Fax confirmation on that day at   XXXX   XXXX   with  57 page s and also at   XXXX   XXXX   also  57 pages as  well.   On   XXXX   XXXX   XXXX  , we received a letter from Rushmore Loan Management Services LLC. Indicated received documentation for a Loan Modification assistance and review On   XXXX   XXXX   XXXX  , we received a new letter from Rushmore Loan Management Services LLC, indicating that were unable to offer Loan modification because The complete home Retention package was not received more than 37 days before the Foreclosure sale. Sale day   XXXX   XXXX   XXXX  .   On   XXXX   XXXX   XXXX  , we communicated with   XXXX   XXXX   XXXX  , confirmed received the documentation and he requested again the financial documentation because that quality was not the best. On   XXXX   XXXX   XXXX   we emailed him the following documentation : Tax returns, Paystub, Bank  Statements highlighting rental income, Homeowners Insurance, Lease contract We kindly request to re view this resolution based on the facts that we present and allow us to continue with the process.
I called Citi Card Customer service because I got a late fee for being late one day since they did not send me a statement. They email it to me and I do n't have the password to the email address they have on file. I was on hold for over 45 minutes and when I spoke with Customer Service representative said that he could not remove the late fee. He transferred me to another representative and he said that he could not do it and put me on hold again then the line got disconnected. I call again and the same thing happened I asked for a supervisor and the supervisor said he could not remove the late fee either. I was even willing to set up automatic payment so that this does not happen in the future but they refused to take the late charge off my bill.
Greensky Made A XXXX Dollar Loan In Me And My Husbands Name With Out Ever Speaking To Us With Out Us Signing For A Loan With Out Us Knowing Any Thing About This Loan .Now They Have Slammed Our Good Credit Rating And They Are Calling Us All The Time For Us To Pay For A Loan We Never Asked For Or Never Agreed To! This Is Criminal To Loan Money In Our Name Which We Never Filled Out Any Loan Documents Never Asked For And Never Even Spoke To Us
Experian is not reporting 2 open credit cards on my account which is causing my score to be lowered and they are : XXXX credit limit XXXX XXXX XXXX credit limit XXXX And the Bankruptcy from 8.8 yrs ago shouldn't be affecting my score by 150 points.
Over 10 years ago my wife and I obtained a mortgage for our first house. Sun Trust administers our mortgage. We have a first and second mortgage. The first mortgage is 7.75 % and the second mortgage is 9 %. We have repeatedly over the years attempted to refinance this mortgage, but Sun Trust has stonewalled and frustrated the process at every turn. Even when we go to our local Sun Trust branch the teller and local reps always ask have we considered refinance. Our response is yes we have. The response is yes only to later hear that some policy at corporate prevents the refined. In 10 plus years we have never been late with a payment. We are seeking assistance in getting Sun Trust to work with its customers in getting a more reasonable and fair interest rate. My wife and I welcome your assistance. Sincerely XXXX
I transferred {$2800.00} through XXXX on XX/XX/XXXX and the dollar exchange rate against XXXX was {$1.00} = Rs XXXX. As per them money suppose to available in XXXX on XX/XX/XXXX but amount available in my XXXX bank account in XX/XX/XXXX with the exchange rate {$69.00}. 
When i complain then they told you selected indicative rate while transfer instead of Guaranteed rate ( fixed exchange rate ) but as i transferred several times through the same XXXX and i know very well how to transfer through XXXX. 
Clearly they are cheating to customer.
I'm a XXXX XXXX XXXX XXXX XXXX Veteran, for sometime now Wells Fargo has altered records, lied on records, destroyed records, discriminated and committed Fraud. 

They have made false statements, submitted false Credit Reporting information causing me much harm, they have DISCRIMINATED AGAINST ME, VIOLATED MY CIVIL RIGHTS AND MORE. 

There response is to delay, delay and cover up there ongoing fraud. Just today one of there many boiler room offices told me that " Do Not expect to ever get a Honest Answer ''
I do not have an account with XXXX XXXX. I reached out to them and they mentioned that there is no account in my name with them or even under this account number. When I dispute this with the credit bureau 's it is still showing up on my report yet it is erroneous. This needs to be deleted as soon as possible. Due to this erroneous reporting, I have been denied credit and I am in the process of purchasing a home. I wrote XXXX XXXX and they mentioned that this is not their address and that this account does n't even exist in their records, yet it is showing up on my XXXX, XXXX and Equifax report. Please DELETE this. This is reporting incorrectly and is against the FCRA reporting responsibilities. The account number is XXXX. Please see attached, for I have circled the account that is showing up on my XXXX, Equifax and XXXX Credit Report.
After reviewing my credit reports I noticed an unfamiliar item that was in collections negatively impacting my credit. 

On XX/XX/XXXX I sent a letter to the collection agency asking to not only validate the debt but provide the method of validation and they did not. 

I received a letter dated XX/XX/XXXX responding to my request, however the debt was not validated, the letter was a verification letter. The information I requested was not received. 

On XX/XX/XXXX I sent a second request asking to validate the debt.