WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed my business debit card did n't work on or about XXXX/XXXX/2016. I had several XXXX dollars available or so I thought. I informed the bank on XXXX/XXXX/2016 of approximately {$9200.00} of fraudulent purchases that I did n't make between the dates of XXXX/XXXX/2016 and XXXX/XXXX/2016 per my statement dates. The bank is consistently denying my fraud claim due to questionable items outside the 60 day period. Please read my detailed statement and other documents attached. My account is overdrawn by almost {$2000.00} and I 'm getting threatening letters that indicate my checking account for closure and collection actions will be taken. There are several bounced checks due to the fraudulent purchases.
I co-signed on a used vehicle for my daughter through Chase bank. She was involved in a card accident several months later that was not her fault. The vehicle was considered a total loss. XXXX stated they would pay the vehicle off as it was considered a total loss. XXXX did not pay the vehicle off in a timely fashion resulting in Chase bank reporting the account as delinquent ( 30 day late payment ). XXXX stated the check they originally sent was lost and they had to re-send another check. I contacted representatives at Chase bank and they stated basically that this was not there problem and that a payment from our end should have been sent out and once Chase receivd the money from XXXX they would have reimbursed us. Really do n't feel like this was our problem as XXXX appeared to have dropped the ball. The car is fully paid off now but the ding is still on my credit report. Please help!! Thank You
I accidentally put in an incorrect reference number when i was making an international payment to coinbase for my account, and I have contacted my bank XXXX who have not been able to tell what has happened, only that they are not able to trace the money as coinbase now have it in their system. Coinbase have absolutely no customer service and it is disgraceful, they should not be allowed to operate as the no1 cryptocurrency investment site. I have tried to message their support team on the website providing all my details, I had my bank amend the transaction so the correct reference number was added to the payment but I have heard nothing from coinbase, and I have not been told there has been any interaction between coinbase and XXXX. How can a site as big as coinbase is now not have a telephone service running which I can call? It is shocking and have never experienced anything like this. I simply want my money to be placed into my account and to have some interaction with coinbase as they are leaving others like me in the dark as I am not the only one to have issues with their customer service.
Nationwide Biweekly, whom you already have a lawsuit against, stopped paying my mortgage without reasonable notice. They did not take money for the mortgage payment without returning it, and paid the mortgage until XXXX 2015,. They sent me the check for the XXXX payment when they said the bank did not process the check they sent them, but I was unable to reach anyone at that time to find out why they sent me the check. I received a notice from the bank who has my mortgage at the end of XXXX, advising me that I had not made the XXXX payment, and that late charges were being added. After a couple of attempts, I was finally able to talk to someone at XXXX, who said that they had suspended all accounts because they had lost their relationship with their banks. ( They blame you!! ) I asked if they were going to refund my fees, since I did not ask that they stop and was not informed that they were stopping. They said no. They clam to have tried to email us, but the email address they said they used has not been valid for years. They should have received a failure notification regarding the email. They did not call the phone number on file, which we still have, or send a mailed notification to the address on file, which we still live at.
I received an FHA backed loan to purchase my house in XXXX 2014 in XXXX. The servicer is XXXX XXXX and the sub-servicer is Dovenmuehle Mortgage Inc. A few months after I moved in to my house, I experienced some changes in my life that I believe I can solve by moving out of my house and renting it out. 

I contacted Dovenmuehle several times about this matter. l explained to them that I am no longer working. My wife works, but makes less than what I made and is not enough to support us financially. We have XXXX young children and we can not afford daycare. I looked into help paying for day care through government programs but there is a 6 month waiting period. We also have no family who can help us take care of them. When I attempt to get a job there 's always a conflict with scheduling since someone needs to stay home with the children. My solution to solve my financial problems is to move in with family in Maryland. My family in Maryland has agreed to not only allow us to stay with them until we are financially stable, but also help with child care. 

So I began looking for employment there and I applied to transfer universities as I am also a college student. At the same time I requested to rent my house for the reasons I listed above. I know from the contract I signed that with an FHA backed loan I am supposed to live in the house for one year. My first denial letter referred me to that part of the contract. I only made my request because after that part of the contract that states I have to live in the house for a year, it also says, that the lender may waive that one year requirement if there are extenuating circumstances. Why did Dovenmuehle quote the first part of the contract but not the second part? 

So I sent in another letter requesting them to reconsider and further explaining my situation. Again they sent me a denial letter, but this time with no explanation. I filed a complaint with the XXXX and they responded to that complaint stating that my loan is owned by the Government National Mortgage Association ( GNMA ) and there may be " possible conflicts '' between GNMA and XXXX XXXX. What does possible conflict mean and why is it not know with certainty? I looked into GNMA and they clearly state on their website that they do not service loans and all decisions regarding loans are left up to the servicer. I believe they are purposely providing me with bad information to force me to drop my request. 

I would like to add that the department at Dovenmuehle that deals with these issues do not have email addresses nor do they have phones. The only way to make a request or contact them is through fax or mail. I made a request for them to call me and they told me they would respond to my request within the 30-45 days required by law. It has been over 45 days and they never contacted me. 

This has been going on for about 5 months and I have had missed opportunities for employment in XXXX. I have also received numerous loans from family to help in keeping up with payments. Falling behind on payments is the last thing I want to do. I never intended to move out of my house. I had planned to stay in my house and in the area for a long time.
Monies were transferred twice, to a bank in XXXX, TX, once on XX/XX/XXXX and XX/XX/XXXX for a work visa and health insurance for the XXXX in regards to a job with XXXX XXXX XXXX. This job as it seems never existed.
several years ago I was victim in a car accident in which i had XXXX. However, the Lawyers that I had working on my case had conducted a sham job, from one day to the next the medical bills were not paid and and bill increased i had went to therapy and was getting charged for thing that were not performed, per the the Law firm and the attorney on the case stated they were paid. Once I revealed what they were doing on my case, the lawyer secretly summons a petition to have them removed from the case these bills were intended to be paid as the lawyers stated they were
I was told Wells Fargo did not loan on XXXX. I asked for my approasal fee back on XXXX XXXX. I got several different answers as to when I would receive my money back. First supervisor told me 7-10 business days. On the 10th Business day I was told it had n't been formally denied so the refund could not be processed. I spoke to the supervisor 's supervisor and was told the loan was in underwriting and would be for at least another week. At that point they could start the 7-10 day process.
On XXXX XXXX,2017 I sent Transuion, XXXX, XXXX a certified letter with confirmation of delivery which was sign for on XXXX XXXX from TransUnion, XXXX XXXX,2017 and XXXX on XXXX,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the companies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo. 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX Thanks for looking in this matter for me. XXXX XXXX
Navy has been battling for 203 weeks with banking quirks due to a system upgrade. they knew there were issues. now they are still hiding the issues and refuse to work with customers. direct deposit checks are not processed. money is withheld by nfcu ( interest free money? ) and i still do not have my credit into my account. i need my funds. these types of issues are starting to become the norm for nfcu.
My student loan has been transferred to kohn law firm and I went to court over it and had signed and agreement to pay than I got some information thru a debt management that said I didn't need to pay because XXXX XXXX XXXX XXXX got a false lawsuit,
There 's been a gross miscarriage of justice committed by Wells Fargo Bank with regards to my mortgage. My XXXX family home is in XXXX XXXX, and when Hurricane XXXX hit, I was a XXXX resident. I have since moved back into the home. I received no FEMA assistance, because I did not occupy the home. There was a foot of water in the house. Wells Fargo offered me XXXX six month payment moratoriums and promised to put the arrears on the back end of the loan, via a mortgage modification. Wells Fargo then sold the mortgage to XXXX in 2013 for a mortgage backed security issue, and the terms of the payment moratorium and mortgage modification changed. The new investor then demanded the full sum of the payments and my home is now in foreclosure. The investor will not give me a modification, after numerous attempts. The investor is uncooperative and has stringent modification terms, which are unattainable. There has to be a regulatory agency that can thwart this illegal act. Wells Fargo is culpable, the XXXX mortgage back security is culpable and I 'm now at the end of my rope, fighting to keep my home. I do not qualify for the XXXX Homeownership protection program because my income is $ XXXX above the maximum. I 've poured my blood, sweat and tears into my home. I 've sought legal counsel, who could not stave off this investor. I do not qualify for HAMP, because this is an investor loan. I 'm one of the forgotten homeowners who can not benefit from any of the government mortgage programs that were put forth by the Obama administration. From a debt to income standpoint, I can afford the mortgage. Affordability is n't the issue. I 'm pleading for your assistance with this issue. There was a summary foreclosure judgement entered recently. I 'm running out of time. Please assist me. I look forward to hearing from someone from your office. Thank you so much for any assistance that you can provide.
The bank placed my check deposit on hold for a week. I deposited a check on XX/XX/XXXX, but the bank would not make the funds available until XX/XX/XXXX.
I have contacted the bank multiple times to resolve the issue, to no avail.
There are bankruptcies on my credit report which are report inaccurately. I called the court to clear up the mistake and I received a letter that says they do not report to credit agencies. It is illegal for third parties to report bankruptcies on my report.Because these errors are reported by third party entities I can not correct these issues. I wish to have these items removed from my credit report. I have included the dates and times I have contacted the bureaus to explain these issues and they claim they have verified the information. However, I have a letter directly from the court stating that they do not verify this information.
This is the second complaint I have filed about Wells Fargo 's online banking system. I use Wells Fargo only to pay my private student loans. Their online system will not allow you to schedule a payment for a future date. I believe this system was created with the intention of keeping people in debt for longer than necessary. No other online banking or loan system that I use prohibits customers from scheduling payments in advance. 

The last time I complained, my online account - which again, I only use to pay my student loans - showed a record of someone applying to refinance a mortgage online via my name. I did not do this. I called and asked for more information about how to protect myself from fraud, but was told to just change my online user name. Their fraud department did not take this seriously and said they could not see the transaction on their end. I am still fearful that my account has been used for fraudulent purposes.
In XXXX of 2011, my daughter was in a car accident. The car which was registered in my name was towed to a local yard at the request of the police. I went to the yard ( XXXX XXXX ) and signed the ownership of the vehicle so they could sell the car. I was told that that would satisfy the cost of towing and storing the Car. 

I recently realized that after selling the car, XXXX XXXX also submitted a Claim to Credit Bureau Associated for Collection. The Claim is for {$2600.00}. I contacted CBA collection who stated that CBA only sold the car for {$70.00} and they want the difference. I told CBA that is ridiculous, that the hubcaps were worth {$70.00}. CBA stated that XXXX sells all of their vehicles for {$70.00}. 

So then it is clear. This is a scam. I sign over the car and they sale it claiming they only received a nominal amount for the car ( {$70.00} ). They keep the cash tax-free, then sale the account to a Collections to get more money. I told CBA that I want a copy of my file including a bill of sale showing who they sold the car, what date, what amount as well as all other documentation. 

They have not sent me this information. 

I contacted XXXX XXXX to remove this fraudulent collection and they refused. Please help with this matter. 

Credit Bureau AssociatesXXXX, CA XXXX TowingXXXX, XXXX, XXXX
I was an officer of a corporation that leased a building up until XX/XX/XXXX. The building was completely vacated in XX/XX/XXXX while a dispute on unpaid rents remained active. We made a settlement agreement of {$10000.00} in monthly payments of {$620.00}. All payments were complete and the matter was closed. On XX/XX/XXXX I received a notice from FCS Collect claiming that {$18000.00} was assigned to their office for collections for that lease. It shows {$13000.00} principal and {$5100.00} interest. I spoke to a XXXX there and provided an email with the check numbers and dates of the settlement payments and advised her that this was a time-barred lease agreement. According to California Code of Civil Procedure section 337, that the landlord was long past the four years statutes of limitations. She thanked me for the information and said she would pass it along to XXXX, the leasing company. I had not heard anything else back from her. Yesterday, on XX/XX/XXXX, I went to purchase a vehicle and to my surprise, my credit score dropped from 780 to 650 due to a bad/false claim from FCS for {$18000.00}. This effected my interest rate on the purchase costing me well over {$1000.00} of interest on my future payments. I contacted FCS this morning with my disappointment and prior to hanging up on me, they said " do not call back ''.
I am an XXXX of 11 years. I had a mortgage account through Nationstar. I applied more than 12 times to their Uniformed Borrower Assistance Program in an effort to keep my home. My home was listed for rent and rented out, however those individuals who moved in did not make any attempt to pay their debts and resulted in an eviction through the county of XXXX XXXX. During this time I applied through Nationstars program several times with multiple failed attempts. Their process was not thorough, direct or even remotely close to customer service as it should have been. I had to make dozens of attempts for communication, I did n't know where to look for the status of the application, many times I was told I was missing information when I had already submitted it to the representative either via email or through their website. 

The end result was a Died in Lieu of which closed in XX/XX/XXXX. Recently an inquiry on my credit report indicated Nationstar had reported a 120 late payment notification as of XX/XX/XXXX. This negative inquiry in my credit report resulted in a referral ineligible when applying for a new home loan. This is an inaccurate report and very inconvenient to me and my family.
Calif check cashing charging 150 % interest on a loan I took outand I am XXXX and ca n't pay this ; no one said what the interestrate was. 
They keep calling me and my family and telling my business.
On, or around of XX/XX/. After several letters, of disputing! Experian still reporting US BKPT CT. Fr  XXXX to present? XXXX XXXX. say I owe {$490.00}. Still waiting on validation? XXXX XXXX XXXX. XXXX XXXX - XX/XX/. claim I owe {$430.00}. No validation? XXXX, reported to XXXX XXXX, XX/XX/ - XX/XX/. claim I owe {$1600.00}. No validation! XXXX XXXX XXXX, XXXX. No validation! XXXX, reported to XXXX XXXX XXXX, XXXX. claim I owe {$4.00}. XXXX XXXX XXXX, XXXXclaim I owe {$1600.00}. XXXX XXXX, XXXX {$1200.00}. XXXX   XXXX XXXX, Clsd. {$1200.00}. XXXX XXXX XXXX XXXX ChrgOff.
I have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX  XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX   XX/XX/XXXX Finance
As owners of the property, XXXX XXXX and I approached Rushmore Loan Management Services several times to make an offer to settle the mortgage. XXXX . XXXX is the sole mortgage holder, but she has signed several powers of attorney giving me authority to speak on her behalf with XXXX, and she has told XXXX staff person XXXX XXXX to speak with me. I have spoken regularly with him, but he has been unwilling to help. 

First, he said repeatedly that he would set up an appraisal that I would pay for ( which I agreed to ), but he has never followed through. Second, XXXX . XXXX has qualified for a modification, but once he started dealing with me, he cancelled that modification. Third, every time a court date approaches, he calls to say he wants to resolve the matter and makes promises that he doesn't keep. Then at court the lawyer for XXXX tells the court that they are working with us, which isn't true. Fourth, I have arranged for potential buyers, including XXXX XXXX, a real estate investor. Although XXXX XXXX began a conversation with XXXX XXXX, when he learned that I was involved with obtaining this buyer, XXXX XXXX changed his mind, even after XXXX XXXX submitted all kinds of information, everything XXXX XXXX asked for. Fifth, I made an offer myself and, at XXXX XXXX 's request, submitted proof of funds. Yet he has refused to negotiate and make counter offers. Sixth, he continues to go back to XXXX . XXXX  even though she has told him repeatedly that she does not want to keep the unit and wants him to speak with me. 

We have wanted again and again to settle this matter. The judge keeps telling both sides that he wants us to resolve this before the next court date in XXXX. I am obtaining the transcript from the last two hearings where the judge has told us to get this settled and will forward it to the CFPB when I have it. Yet, XXXX has brushed me off again and again. XXXX XXXX has tried to side step working with me. He has made this personal and has been very disrespectful to me over the phone. His attitude has been very unprofessional.
Experian received a letter from me in XXXX questioning accounts I feel are inaccurate on my credit report. They never responded to me.
I invited my son and his girl friend over to my house for XXXX. He stole 3 of my credit cards which I didnt know were missing. I received a bill from one card and knew it had to be him. I went to his house and demanded it back not knowing that he still had 2 other cards. On XXXX I got another bill and realized he still had my cards so I went and got them back and called the police and reported to them that he stole them. I called the credit card companies and canceled the cards. They said he had authorization because he is a relative.
XX/XX/2018 I noted in a recent comment of mine to the CFPB that queries about double and false billings are rarely answered by the Union Bank. I received a call from XXXX XXXX, an assistant in the president 's office, was very angry that I had sent a negative comment to the CFPB regarding accounting errors by the Union Bank. She said that in retaliation she was not crediting a {$330.00} payment to the Bank made in XXXX ; and it has been billed as owed interest, since then, instead of credit, for months. I am curious, of course, what happened to the money. I never received a check from the Bank for that amount, so we have to assume that she tucked it away in one of two unauthorized accounts manufactured by the Bank in my name, or treated XXXX, her office-mate, a recently expelled ( 10 year ) employee of infamous XXXX XXXX, for lunch, She apparently has impunity, and employees may be encouraged by management to supplement their salaries with a bit of buccaneering. 
Similarly, a query about a {$600.00} charge for appraisal that didn't occur, and was not authorized was ignored. Not the least, along with charges of false interest the imposition of a contract type that I rejected and emphasized didn't want, was misrepresented as a kind that I wanted, actually due to employee negligence : over XXXX forgetting to file the transfer. To cover up the error he induced us to sign the objectionable contract by misrepresenting an illegible copy. This Is now an added burden, with the Bank refusing to remediate the error. These aren't good people to deal with, especially if you are a senior. 
It was only after a large expenditure of time and numerous complaints that the Bank rolled back the accounting to last year and returned a substantial amount of money that was incorrectly accounted for. But the problems never stop. We continue to be harassed every month by telephone calls for payments that were already resolved. We believe that it is Bank policy to harass seniors until they tire and cease objecting.