WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a house using my VA loan FLAGSTAR BANK last XX/XX/XXXX. when i closed i was told my insurance and taxes were included in my payments.of {$990.00}. 
In XX/XX/XXXXI recieved a letter from my insurance company to say that i never qualified for wind mididgation at closing last year, and that my insurnace had gone up from {$1000.00} to {$2000.00} Then my morgage company told me that becase they did my assesed taxes on the prior owner my taxes have trippled causing my morgage to go up by {$600.00} a month. 
I am a single woman vetran that has just been taken advantage off as I would never have purchased a house that a year later my payment would go up {$600.00} a month which i can not afford.I WILL NOT BE ABLE TO PAY THIS AND WILL LOOSE MY HOME. 
I feel the morgage company was very dishonest.
I approved for a credit card with Pentagon Federal Credit Union ( XXXX ) on XX/XX/XXXX with an initial limit of {$7000.00}. The card came with a promotional offer of {$100.00} after spending {$1500.00} within a 90 day period. I was approved for a credit line increase on XX/XX/XXXX to {$8400.00}. I paid {$1100.00} on XX/XX/XXXX. My spending passed {$1500.00} around XX/XX/XXXX, meeting the spending requirement. XXXX closed my card on XX/XX/XXXX. I have a XXXX XX/XX/XXXX score with no negatives. They are not my highest credit limit which is at $ XXXX. I generally do not hold balances, but I do use my cards and pay them before the statement cuts. They closed the card as soon as I reached the spending threshold. I did not receive the bonus.
We are selling our home, and received an offer on XX/XX/2016 from a buyer, which was pre-approved by Mortgage Lenders of America and we accepted. The original close date was XX/XX/2016, and a week into the contract the buyer 's agent contacted our agent asking if we could close early on XX/XX/2016, that the buyers financing was already in underwriting. Again we accepted and after we had already vacated the home, on XX/XX/2016 less than 48 hours before we were scheduled to close the finance company asked for an extension on closing to the original date. I talked to the lending company with my realtor, who both confirmed to me that the buyer would be getting approved, that they only needed one more form completed before they could do so. They also were adamant that it was not the buyers fault for the delay. We checked back daily and were told the same thing. Then on XX/XX/2016 we received the denial of financing and cancellation from the buyer. The reason we were given was the buyer 's credit was poor. After further digging our realtor found out that the lender did not run the buyer 's credit until after we had already accepted the offer and moved out. XXXX XXXX, our Real Estate company has told us that the buyer should have never been given a pre-approval letter in the first place. We are now moved out of our house, and unable to close. We have also put all of our belongings in storage, and are staying with in-laws, and still paying for a home we no longer occupy. The home we were planning on moving into, and have put money down on, and also are under contract on is at risk of being defaulted on as we no longer have a buyer for our home. This has put me and my family in a horrible position both XXXX and financially.
I purchased my home in XXXX with a toxic loan and soon my payment was too high to afford my home. I was about to lose my home and I was offered a modification in XXXX. This modification helped me avoid foreclosure, however the modification I was given is a 10 year interest only program and the rate has increased over time. My mortgage loan is scheduled to adjust again in XXXX and my payment will include Principle and interest and it will be increase to the point where I will not be able to afford my home. I have desperately tried to refinance my home but have been unable to due to to my credit score and income not being sufficient to qualify. I have sent my mortgage service company a request to modify loan and have been denied I have appealed to this decision and they have not taken the time to consider my appeal. I have paid a lot of money over the past 8 years in interest only payments and would not like to lose my home.
On Tuesday  XXXX   XXXX ,  2017  I contacte d Navient my st udent loan provider. My account indicated an unpaid interest balance. I have paid my account monthly since I had the loan. In  XXXX  the loan was refinanced through credible at a supposed lower interest rate. The balance in  XXXX  was  XXXX ,  XXXX . I have made all of my payments the balance is now  XXXX . The loan is more. I am being scammed. I can never pay off the loan at this rate. I really need help. I just lost my job. The loan is increasing I can not pay for the loan at my age. The interest rate is daily according to the representative.
I made a purchase through XXXX to a company in XXXX. XXXX completed the foreign transaction and the seller was charged the foreign transaction fees. On my last credit card statement I was charged a foreign transaction fee. This fee is fraudulent. The credit card company did not process a foreign transaction and therefore can not charge a foreign transaction fee. Their excuse was there is XXXX writing in the description.
I have excellent credit but what the industry refers to as a " thin file ''. I found this out because there was a database theft which occurred at my Health Insurance company ( XXXX ) and to curb any identity theft, they asked you to put a watch on my credit files. Subsequently, I applied for a credit card but was turned down due to this " thin file '' or what the company doing the " hard inquiry '' listed as " INSUFFICIENT CREDIT HISTORY ON FILE '' on the rejection letter. This " hard inquiry '' greatly reduced my credit score on online credit score websites and I would like to know what my credit score truly is. In order for me to get it from the monitoring company, I am told on the credit report I am sent monthly that I should pay {$7.00} to get my credit score. I would also like to remove the hit I took from this " hard inquiry '' from my credit report as it makes it looks as if I am not credit worthy, which is not true, as I have the ability to pay and also have a history of paying all my debts until such time that you classified my file as " thin ''.
In XX/XX/2018, I got a notification from XXXX XXXX about a change in my Synchrony Bank Account for Sleep number, the note stated the account had been closed. I called the bank and they informed me that my co-signer had filed for bankruptcy and the account was affected. I tried to fix the issue and offered to pay the account, but they said that because the account was a joint account it had to be closed due to one of us filing for bankruptcy. After my cousins case was closed and his accounts charged off, I got a new credit alert saying my credit score dropped due to negative remarks, once again I tried calling the bank on XX/XX/XXXX, with no resolution. The bank said that I could pay off the balance, but the account would still have a negative remark. I did not file for bankruptcy and the account was closed even when I tried to negotiate with the bank, and now my score is negatively affected.
I contact the following Credit bureaus ( XXXX, Equifax and XXXX ) about inaccurate information on my credit file on XX/XX/2018, and to validate it. They received it on XX/XX/2018 ( see attach ) As to date ( XX/XX/2018 ) nothing was done by any of the above bureaus to remove this item, nor did I receive any correspondence back from the above bureaus within the 30 days of my dispute that they received on XX/XX/2018.
In XXXX of 2017, I have made several attempt to cancel my XXXX plan. I had to file a complaint with XXXX because CS was horrible and refused to cancel my services.They wanted me to cable boxes with me when I moved to North Carolina. Unfortunately, there was no XXXX available in my new area! After complaint was filled with XXXX, I received a call from a male who had apologized for my experience and decided to have someone on the last day of move to pick up boxes. Plus, was told they will credit my account. I never received a bill after that but was notified by my Collection agency XXXX XXXX with a balance of {$320.00}. Sometime in XXXX, I immediately called XXXX XXXX for removal and updated bill. They stated they never had my new address and that is the reason why a bill was not sent to me. The collection was dropped and new address was given to them. As of XXXX I did not receive any notification but have seen new collection with Waypoint for XXXX. Even though the collection amount was wrong, I decided to pay it off and continue to work with XXXX for refund. FINALY, I have received refund and have send to all credit bureaus, XXXX, XXXX and XXXX for removal of inaccurate collection.
My account was paid off and refinanced with a different finance company. The finance company overpaid what was owed on the account. I 'm being told that the over payment will be returned to me in 30-45 days from XXXX XXXX 2015 to make sure there are no liens and paperwork is taken care of. I honestly do n't believe that to be an acceptable time frame for this to happen.
I tried to get my free annual credit report from XXXX but it never verifies my information. None of the questions they ask pertain to me. None of the information is mine and it doesnt matches anything. I need my XXXX, XXXX and transunion updated reports.
I continue to get an email from XXXX about a warrent for my arrest and seizing my bank acct. I have email back several times for them to Mail the information to my house because Ive contact the PayDay loan company XXXX that I did borrow money from and they have refused to mail me anything but continue to harras me through email. They say they are XXXX.online XXXX related company. When I speak to them they want me to buy a prepaid card to make the payments.
On XXXX XXXX, requested a bank-to-bank transfer of {$2600.00} XXXX Dollars to a XXXX bank account in XXXX. {$2600.00} was deducted from my bank account on XXXX XXXX but only {$2400.00} was deposited into the recipient 's account on XXXX XXXX. Although I requested this to be a XXXX dollar to XXXX dollar transfer, Western Union insisted 'Government requires local currency to be sent '. Their investigation into this has provided no results in recovering the missing {$150.00}, stating the amount of local currency ( XXXX PLZ ) is what was sent and received by the bank. It is indicating a dramatic rate conversion issue, but this is not clear. I do not believe conversion was required and Western Union incorrectly processed to convert. However, if so required, how is it possible so much money is lost in a direct bank-to-bank transaction. I truly feel money has been stolen from me and hope you can assist me to recover. Thank you
Bank is drafting intentionally drafting ACH charges in order of highest dollar amount first so they can collect more overdraft fees. This caused my account to accumulate XXXX additional fees than if they had paid the items smallest to largest first. The reasoning the representatives give over the phone is " we consider the higher dollar items more important in pay order than lower dollar items '' meaning that if they were going to reject payment of an Item they would rather reject payment of the smaller items than the big item. Of course this makes no sense because even after paying the largest item first they still pay the smaller items and still collect extra fees and nothing ever gets rejected on my account because they know with my direct deposit that money coming in is a sure thing. When I asked them to reverse the XXXX unnecessary fees I was told I had already received XXXX complimentary fee reversals for the year so they could not refund the fees. After asking to be escalated twice to a higher person I was told the next person would have to call me back in about two hours. That was approximately 2 days ago and still no call back. So now in addition to not fixing their wrong in the first place they are not calling me back as I was promised. This ACH payment order seems to me an obvious and blatant way to collect more fees from consumers already struggling.
The following statement consists of the information on the matter of the XXXX XXXX  account that we have gathered so far. 

After the statement there will be a few items we would like you to address. 

The XXXX XXXX statements that were emailed to us lists our address as a p.o. box address in XXXX XXXX S.D. However, we have never lived or even visited XXXX XXXX S.D. When we looked further into that p.o. box online we discovered an additional p.o. box in XXXX V.A. we were also unaware of. When we researched the new p.o. box we discovered an unknown owner that shared the p.o. box in XXXX and owned another p.o. box that shared a close proximity to the XXXX XXXX p.o. box. 

We have never received any statements prior to those you sent, upon request, thus we had no prior knowledge of the account until your company called. 

According to XXXX XXXX, payments were made from XXXX, XXXX through XXXX, XXXX, with payments ending on XXXX, which corresponds with the information you provided. However, our bank has no record of either themselves or us, the account holders, stopping the automatic payments. 

Additionally XXXX XXXX shows payments being made on XXXX and XXXX of XXXX but there is no record of payment for those two months in our bank records. 

Finally, XXXX XXXX states that the payments should have been XXXX XXXX dollars but the office depot statements you emailed to us only show XXXX XXXX dollars as payment due. 

In conclusion we have several requests for you to look into. And they are as follows. 

1 ) We request a list of all purchases made since the opening of the account in XXXX till the last purchase made in XXXX of XXXX. 

2 ) Find out why the account was closed and who authorized the closure. 

3 ) What is the location where the account was activated in XXXX.
Pretty much, I have XXXX checking account with Bank Of America, XXXX is over drawn due to I did n't have a job couple weeks, but I did told them that I will come in tomorrow to make a deposit to solved the issues, but other account I have money in it, because i started to drive door dash, I was going to use that money to transfer over, but the next day they close my account, I ca n't even used my card to get gas or food, even thought i have money in there. I call them but they were very rude to me. I do n't mind them closing my account but at least let me know or even give me my money back so i can get food and gas. They were very rude to me like i did something wrong, I was in a difficult situation and they were not willing to work with me.
In XXXX I took out a student loan through my school, XXXX, a XXXX school. The loan was held by, XXXX XXXX XXXX, XXXX XXXX XXXX, my loan was bought out by, Campus Student Funding , LLC , and managed by XXXX . When this switch occurred it dropped my credit score by XXXX points. XXXX XXXX, I paid this loan in full, only to find that Campus Student Funding , LLC and/or XXXX never registered this loan to reflect on my credit score. I have contacted XXXX XXXX and XXXX in attempts to reach Campus Student Funding and XXXX XXXX, the company they are associated with, to no avail. They have damaged my score and in not registering my loan they have deprived me of a chance to improve and further build my credit history.
OnXX/XX/XXXX, at the drive through window of US BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, I processed a stop-payment transaction on a check for {$9400.00} I had made to a contractor who had done some work at my house. I determined that he had overcharged me, and when I telephoned him he became threatening. The stop-payment was suggested by my attorney. The check had not yet been submitted to my bank, so there should have been no problem. When the young woman at the bank 's drive-through window asked for the check information, I gave her the carbon copy of the check I needed to stop payment on. The check number was XXXX, but the young lady typed in XXXX and told me the transaction was successful. ( The number XXXX on the keyboard is accessed with the little finger of the left hand ; the number XXXX  with the little finger on the right hand. ) It was only a week later that I learned that she had typed in the wrong check number, when I received a letter from the bank telling me that the transaction was successfully executed. The check that the bank employee put the stop-payment on was not only for a much less amount, but it was more than 6 months old and had been paid long before to a different person. I first complained to the bank manager at the local branch on XXXX XXXX. When the bank would not provide any compensation for their mistake, I wrote a letter of complaint to the Missouri Division of Finance, which they forwarded to the federal Office of Comptroller of the Currency because US Bank is a national bank, which did n't even take my complaint seriously. Now the contractor will not even deliver materials already paid for, much less finish the work already paid for. Please help.
I received my credit report and found that Afni Inc falsely  reported the following account number : XXXX I have never done any business with Afni Inc and Afni Inc refuses to supply me with information concerning the date of last activity on the account, verified by the original creditor..Also Afni Inc ignored my CEASE and DESIST letter, my validation letter and many other letters Please help me find out from Afni Inc the date of last activity that XXXX XXXX has verified Thank you XXXX XXXX XXXX XXXX : XXXX
Discover Bank Complaint CFPB # XXXX Over two months have passed since I contacted Discover Bank and informed them that every time I logged on to the site, I received the notification that I would have to complete a few items that would only take a few minutes before I could access my account. When I tried to comply, I received this message : TECHNICAL DIFFICULTIES We were unable to complete your request. We regret there was a problem on our end. Please try again later or contact Online Banking Customer Service at XXXX. As of this date, XXXX XXXX, XXXX, I am still receiving this message!! Then, in early XXXX, when I logged into the Discover Bank web site, and tried to access my account, I noticed that my user name was shown as I wanted it to do but when I clicked on the password block, a notification asked if I wanted to use my Discover Card password to access my account, I clicked on it and gained access to my account. Anyone with access to my computer could gain access to my account without knowing the password!! Alarmed, I again contacted Discover Bank and was directed to their web support department to get the matter corrected. I followed the employees instructions to accomplish this and when I tried to use my computer I found that all of my information entered for the various programs had been wiped out. I could not use my computer for two days before I had the problems corrected. They could not have XXXX things up any worse if they tried.
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
I have had XXXX XXXX stored in my account at Coinbase for several years. On XX/XX/2017, I submitted a " sell '' order on Coinbase for the full amount, asking Coinbase to transfer proceeds to my XXXX XXXX checking account that is linked. Coinbase confirmed the sale would generate {$170.00}, and that they would deposit that amount net their {$2.00} fee ( total {$170.00} ) into my checking account by XX/XX/2017. However, the money never arrived. I submitted an inquiry immediately and never heard back. I submitted another inquiry and heard back two weeks ago that they are investigating and would get back to me, but they have yet to do so. There are many complaints online that they have had issues with missing money transfers and no response to inquiries, and apparently only a CFPB complaint gets them to respond.
Marlette Funding , LLC showed up on my XXXX credit report as requesting credit information XX/XX/2015. I have never done business with this company so I do not think they should have requested access. 

XXXX XXXX, DE XXXX XXXX
On XX/XX/XXXX I mailed a letter to Transunion advising them of several addresses and information about my employment that were on my credit report were fraudulent and they need to be removed these addresses are XXXX XXXX XXXX XXXX nc XXXX, XXXX XXXX XXXX XXXX Nc XXXX, XXXX XXXX XXXX XXXX nc XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX. I also have never worked as a self employed person or at a company called XXXX XXXX .... at the time I sent an affidavit letting them know that this information was incorrect and my drivers license with my correct address [ XXXX XXXX XXXX XXXX, NC XXXX ] I also called Transunion on several occasions to have all of the false addresses removed. I have discovered that since XXXX fraudulent accounts have been opened at the fraudulent addresses and I am doing all I can to stop all of this stuff I sent the original affidavit to transunion so I have had to fill out another one but I am submitting it to you today so that you can hopefully assist me in getting this corrected immediately this is just one of many issues I have had since discovering these issues. also I have tried to address inquiries that were fraudulent from XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX.
I rented my house out and the people that rented it put me down as the owner but I never signed a papers and when the renters moved out they owed XXXX and the alarm called me and wanted me to pay it.
I am receiving this call 3 times a day maybe 5 days a week from XXXX different numbers. They are trying to collect on a debt double the amount that is owed.
I attempted to receive my free copy of my Equifax credit report via XXXX. I was prompted to submit additional information via regular mail in order to receive the report. I called the number to speak with a live agent ( XXXX ) XXXX. Once I got a live representative she was unable to provide me with my report as well even though I provided her with all of my identification information. I would like to pay a medical collection that is reporting only with Equifax. I want more information about the clinic/ collection company whom I can pay.
On XX/XX/2016 I filed a dispute regarding a hard hit inquiry on my Equifax credit report. The hard hit inquiry was conducted by XXXX. I never received an answer or result of the investigation by Equifax and therefor Equifax is in violation of the Fair Reporting Act. Equifax actions is resulting in a negative impact on my credit worthiness and credit score. CFPB Case # XXXX
Received XXXX forms dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Both debts were included in a bankruptcy which was discharged on XXXX/XXXX/XXXX.