WillisBack/dataset-financial-user-claim huggingface dataset:
Last year this time I hired an agent to short sell my home. I have had two buyers who back out. The last buyer backed out XX/XX/XXXX. The sell was scheduled for XX/XX/XXXX, however my agent was able to get the sale date moved until XX/XX/XXXX. In meantime I received another offer with was submitted XX/XX/XXXX, 30 days before the sale date. I received a letter from the bank acknowledging the receipt of the office XX/XX/XXXX. After some time my agent called the mortgage company she was told that I didn't qualify for a short sale because I hadn't submitted an offer beforeXX/XX/XXXXXXXX she was told I was sent a letter explaining ( first I never received any letter from them ) and my only option was cash for keys. 

After much going back and forth through agent and me even calling it seems that someone made a mistake at the company. The mortgage company needed some additional information that was sent to them however they keep saying the reason they denied it was because of the extra paperwork was not given to them. 

Unfortunately I don't have copies of calls, however they are recorded.
On the XX/XX/XXXX ocurre 3 transactions that drop my balance from XXXX to XXXX dollars the transactions are as describe : Description : CHECKCARD XXXX XXXX XXXX XXXX CA XXXX CKCD XXXX XXXX CHECKCARD XXXX XXXX XXXX XXXX CA  XXXX CKCD XXXX XXXX XXXX XXXX XXXX # XXXX PURCHASE XXXX XXXX XXXX NY XXXX XXXX XXXX after this 3 transactions come in 2 transactions come as processing, and i spoke with XXXX XXXX Supervisor on the Floor Customer  Service Small Business , she claim those transaction where processing on the XXXX and effectively at that moment i did have balance but she also claim the transactions were process next day when my balance was negative because two new transactions come in. effectively two transactions come in but right after my balance was XXXX XXXX showing in the application. i am disputing those 3 overdraw fews that where originate for charges process on XXXX for the XXXX Transaction, another one on the XXXX for the apple, and the XXXX for XXXX was originated on the XXXX as XXXX confirm over the phone but where fully process on XXXX just when two other transaction come in and they charge me overdraft for transactions originated on the XXXX and XXXX. I spoke with XXXX XXXX who claimed those charges are valid to be exact she say are absolutely valid and she cant do anything about
As a single mother I purchased my home in XX/XX/XXXX with XXXX. Around XX/XX/XXXX I was targeted by a Wells Fargo representative to refinance my home which I stupidly did. He told me that I could take out {$20000.00} equity but at the end I came out the loser with no money back, within three months my mortgage went from {$1300.00} a month to {$1700.00}, then {$2100.00}. The mortgage amount kept changing every month to the point I could n't afford my mortgage anymore. I asked Wells Fargo for a loan modification, I was offered two modifications where the amounts were still almost the same. I told the representatives at Wells Fargo that they were setting me up for failure. They told me to take it or leave it, sell the home or face foreclosure. I wanted to keep my home so I felt that I signed under duress. I was approached by an attorney who told me that he 's done many loan modifications. I thought I was saved. He took my money and left me to face Wells Fargo on my own. Now I 'm facing foreclosure once again and I can not get anywhere with them. One representative tells me I 'm eligible for a loan modification, I faxed my paperwork once again to speak with other representatives who told me that I was n't eligible. They 've been rude, condescending. I was told to do a deed in lieu or face foreclosure. I received a land court letter, now the home is in active foreclosure with no sale date. I have been in lobo with WF for so long that I 'm unable to function properly leaving me with XXXX that I ca n't shake. Please help me in any way you can.
I opened an American Express delta skymiles card in XXXX with a promise of XXXX miles if I spent {$1000.00} in four months. I did that. I waited the 6-8 weeks it said for the miles to post to my Delta account. They never did. I called Amex onXX/XX/XXXX and was told this had happened to other people. They opened a complaint investigation and told me it would be resolved in a week. It was n't. I called back the following week and was told it was actually 7-10 business days, and would be resolved the the end of that time. It was n't. I called back today and was told the investigation takes four weeks. I spoke to a manager, who could not explain why the earlier representatives told me other times. He could not correct the error even though he cvould see that I had qualified. I know this is a minor complaint, but this company has failed to fulfill their terms and misinformed me multiple times about remedy. I feel like this stuff always happens to me and I 'm sick of it.
Hello, I am writing this message because I am having a problem with the credit bureaus. As im going over my credit reported dated   XXXX     XXXX  2017. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to give me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification.
Also there is an account thats haunting my credit report to the extreme, its called   XXXX   XXXX   XXXX   This has been reporting to my account for some time now, i have tried disputing and calling to let the bureaus know that this account does not belong to me AT ALL! I have no contract with this company. Its been disputed, but keeps coming back verified. The FCRA states that if they can not validate the debt, it has to be removed.Its an unverifiable account.please remove it/them
We applied for a home mortgage refinancing with BoA XX/XX/XXXX. After we locked in a market rate, they continually reappraised our home. They continually rejected appraisals until they received a low appraisal and then charged us {$6300.00} of closing cost points because we had become a " high-risk '' asset mortgage. 
The appraisal they eventually accepted was XXXX - XXXX % below the other appraisals that they rejected until they received one appraisal that forced us to pay points. Since interest rates increased over loan processing time, we had to pay the {$6300.00} of points. 
BoA said they have no influence over appraisal selection due to Dodd Frank, but they kept rejecting " independent '' appraisals until they found one low enough to force us to pay points. 
I spoke to the appraisers whose appraisals were rejected and they told me the appraisals were over XXXX % higher than the one low-ball that BoA eventually accepted. From BoA here was no explanation of the rejections, only constant streams of appraisers flowing through our house until they finally found an appraisal XXXX % below market that forced us to pay points. I tried to speak with BoA management. They never called to explain the multiple rejected appraisals or the assignment of points.
I dont know who this company is, and if i did its over 20 years old want it off my credit report
fraudulent inquiries/ XXXX XX/XX/<YYYY> bank XX/XX/<YYYY> XXXX bank XX/XX/<YYYY> bank XX/XX/<YYYY> XXXX XXXX XXXX XX/XX/<YYYY> XXXX XXXX XXXX XXXX XX/XX/<YYYY> XXXX XXXX XXXX XXXX XX/XX/<YYYY> XXXX XX/XX/<YYYY> XXXX XX/XX/<YYYY> XXXX bank XX/XX/<YYYY> bank Delaware XX/XX/<YYYY> XXXX XXXX XX/XX/<YYYY> XXXX XX/XX/2015XXXX XX/XX/2015.
Ocwen servicing wrote my mortgage off over ten years ago. They never notified us that they had it. We were sending our payments to XXXX XXXX  when we receive a letter stating they were no longer be taking payments and we would be notified where send those payments to well that never happen now ten years later we request a release and Ocwen refuses, we didnt even know who they were until a few months ago we were in the process of selling our home. Every year when we paid our taxes on our house we would check to see if a mortgage company finally was reported it wasnt. When Ocwen responses the first time, they told title company it was written off, than the next time we contact them they said they were gone foreclose on our home. They had ten years to notify us and they didnt. We feel Ocwen mishandled our mortgage fraudulently and is trying to find loopholes for the bad business practices of our mortgage. All we want is a release because we feel it wasnt our wrong doing, it was Ocwen.
Residence fell behind while husband was critically ill in XXXX.For months I tried to get Ocwen to allow me to modify my loan and they refused for a year. They " lost '' paperwork over and over that I sent. When they finally allowed it ( after I retained a lawyer ), I paid all the excelerated payments they asked and THEN they refused the last one and said over XXXX was due to reinstate the loan. I have done EVERYTHING requested. In this time, my husband died and I also was trying to get the home titled to me. We were married over 50 years. They have asked for lots of information, which I have sent, MULTIPLE TIMES. I have copies AND I sent info certified. They keep insisting I do n't send the things requested but I have a record. Their tactic is to delay and then take a person 's home. If I have to sue them, I will. They will NOT get my family home. They have stolen, lied and act UNETHICAL over and over. I want the home in my name, I want them to adjust the payments back to what they were, take my payments and leave me the XXXX alone. Do Something about these Crooks! My last letter from them is dated XXXX/XXXX/XXXX ( they are again asking for things " missing ''. But these items WERE included in previous pkg. I have a copy!! ). I now have only missed payments because they have Refused it. I will file bankruptcy if needed, they have had plenty of opportunity to allow for modification ( if anyone needed it, an elderly woman, with deceased husband does ). They have only exacerbated ALL THE PROBLEMS.
Walmart on 6 c onsecutive times sent damaged and poorly packaged products to my home. I filed a complaint with the BBB and got some help only to have it happen  XXXX  more times. I tried to pay off my account and the drop down box scrolled to  XXXX   XXXX   XXXX   XXXX  bank instead of  XXXX   XXXX   XXXX  which I had selected. A few days later I saw that  XXXX  returned the payment and charged me {$29.00}. I went back into m y WALMART  Credit Card and REMOVED the  XXXX   XXXX   XXXX  union from my payment options so that it would never happen again and payed with  XXXX   XXXX   XXXX . My account is payed off. Even though this is the first time it happened and I formally contacted both th e Walmart Executive Office and   Synchrony Bank the issuer of the credit of the credit card. Today I get a letter dated  XXXX / XXXX /  XXXX   that my payments were returned too many times? WHAT? Today I get a letter dated  XXXX / XXXX /  XXXX   in response to my formal complaint and explanation that everything is okay with my account. Today I go online and my account is closed for having too many payment returned. Say What?
I deposited a check on Friday, XX/XX/2018 for {$2500.00}. This check was for services to be rendered on behalf of the person who drafted and tendered the check to me. On Monday, XX/XX/2018, I looked at my account and saw the transaction was no longer pending and that the full funds were available. In light of the check clearing, on Tuesday, XX/XX/2018, I performed the services for which the check was tendered. I relied on the clearing of this check in performing my services. On Wednesday XX/XX/2018, I saw that there was a pending transaction, reversing the {$2500.00} deposit as there were " insufficient funds ''. I contacted Santander Bank ( my bank ) and they said it was strange and that the funds clear within three days. I said yes, it showed clear. I contacted the person who tendered the check and they were extremely apologetic and said they " accidentally '' deposited the funds for the purposes of the check in their savings account instead of checking and that they would immediately deposit the funds directly into my account. That never happened. On Sunday XX/XX/2018, this person stated they no longer need my services and that the money would not be replaced. I contacted the bank again on Monday XX/XX/XXXX and they gave me every excuse available. My funds cleared by the latest that Monday. How could they reverse it on Wednesday. What if that was my escrow account? What if they wanted a refund and I tendered the money back to the person ... only to get the original transaction reversed. The bank send a bunch of things about courtesy in making the funds available but how can anyone transact business without knowing the funds may be reversed? I asked the bank to submit a fraud claim but I was told to contact the person 's bank, XXXX XXXX. XXXX XXXX said I need to contact Santander. No one wants to give me answers, take responsibility or help me. Either she had the funds in the account and withdrew them after I performed the service or never had the funds in the account at all.
I purchased the item with credit card. After I returned the item I still didn’t receive my refund. It’s being over a month.
Coastal Credit at the end of my loan term stated that I owed an amount of approximately {$230.00}. I continuously asked for a payment history and options to pay this amount as the business was no longer from my understanding in Virginia. I called Coastal Credit several times without success to receive this information. I became very ill and lost contact with this company. I then begin to receive calls advising that the balance had gone up to over $ 16K which is basically the amount paid for the vehicle. This amount I am told is interest, including late fees and charges assessed for an Attorney. 
Had Coastal Credit and namely an employee by the name of XXXX XXXX given me the information I requested various times rather than tell me to contact their attorney and when I asked for the attorney information then advise me that he could not give me that information that I would need to get it, this could have been rectified. 
Today XX/XX/XXXX I was transferred to an individual by the name of XXXX that advised me that I was taken to court in XX/XX/XXXX and they received a judgment for $ XXXX I called the court the courts state there is a document signed by me, yet I did not appear so who signed this document. Then XX/XX/XXXX someone by my name came to the court and filed an exemption to stop a garnishment, that is not possible as I was injured at my job XX/XX/XXXX and then back and forth to physical therapy so I again could not have appeared in court for this either. This situation has me very confused and very stressed. I am going to the courthouse to obtain these documents that I supposedly signed. My main concern is how a company can take such a small amount owed and turn it into another vehicle purchase price amount. I now have another court date on XX/XX/XXXX in regards to this situation and the fact that I have not made any payments. Their lack of honesty and lack of providing a running statement that shows beginning balance and credits has proven to be very questionable.
On XX/XX/XXXX I made the last payment on my XXXX XXXX account. I have used the company multiple times for furniture financing and have had this account since XX/XX/XXXX. In XX/XX/XXXX I had a financial hardship and as a result I had the only late payment I have ever had on this account. Because I paid the account off two months early, XX/XX/XXXX, and only had one late - I wrote a letter to this creditor ( received by Synchrony on XX/XX/XXXX ) asking for consideration of forgiveness for my single late as I am in the process of buying a home. I did not receive a response to that request but three days later ( XX/XX/XXXX ) I received an email stating they were closing my account due to my credit score, the credit report also cited a pull date of XX/XX/XXXX. Although the account has a Status of " Paid, Closed '' it also was updated with a Comment stating " Account closed at credit grantor 's request '' and is reflected as a potentially negative item on my credit report. Since I completely paid off the account without any new transactions more two months prior and the credit report referenced as being the backbone for a decision in XX/XX/XXXX, was pulled in XX/XX/XXXX, I have reason to believe the Comment placed on my credit report and the account closure was done out of spite.
My parents and I recently refinanced the mortgage on our house via XXXX XXXX. They sold the FHA loan to Penny Mac. My first payment is due on XX/XX/2016. I logged into Penny Mac on XX/XX/2016, set up an online account with Penny Mac and set a payment date for XX/XX/2016 in the amount of XXXX. XXXX was for additional principal. I logged in on XX/XX/XXXX to see if the payment went through and it still said pending XXXX. I check my bank account on Monday and only the monthly loan cleared and no the extra XXXX. I logged back into Penny Mac and there is no record of my additional payment. I checked my emails and all they say is payment was received and to check their message center. I checked their message center and it only reflected the loan amount and not the extra towards principal. My dad was right beside me when I made the payment in the amount of XXXX. How did it magically drop to the required loan amount only? When i called about this, I was hung up on the first time. It took over 30 minutes to get through the next time and then their rep said it would be a fee. He did n't see the XXXX I put towards principal. I was furious. This is my very first payment with this mortgage company. After requesting a supervisor, he said he could take the extra principal payment over the phone. Since Penny Mac does not email you what you paid including any extra principal, escrow, etc in the email confirmation, nor does their website retain the payment information that you submitted, I asked if I would need to screen shot every payment from here on out. I just read through XXXX negative complaints about Penny Mac and how they mess around with people 's payments. How can a company like this stay in business when its practices are so shady? I should n't have to take all of these extras measures just to pay my loan on time with a little extra going towards principal.
On XX/XX/XXXX2015 I filed a complaint with CFPB letting you know this company has incorrect information on me. I have no idea what they are talking about. However, I am exhausted from these people threatening me with being served if I don't respond. In the 2015 complaint, it stated the complaint is not to contact me. They have AGAIN. I had to explain the same thing over. I DO NOT owe any payday loans or any banks. This is harrassment at it's best.
This complaint concerns a problem with  Captial One Venture Card  mileage reward program. In order to take advantage of approximately   XXXX   miles of a  Venture Card re ward, I got onto the online booking program that  Capital One  uses to grant rewards. In looking for a roundtrip flight to   XXXX   XXXX  , I was quoted a trip for approximately {$1900.00} dollars for the flight depending on surrendering my  XXXX  miles. In the process of coordinating the flight with my wife, I learned that the same flight by the same airline was being offered at {$1900.00} directly on their site  ( the airline wa s  XXXX   ). This is  the same price that  Capital One  's online site was offering based on surrendering my  XXXX  miles. The  XXXX  miles is supposed to be equivalent to approximately {$820.00} dollars. Thus in essence , Capital One w as providing no discount at all on its online site and was taking {$820.00} from me without batting an eye. This seems to be outright fraud to me, since I learned that one can make one 's own deal with an airline and then have the mileage value ( here {$820.00 } ) tak en from the credit card bill if  one uses the Venture Card to pay for the transaction. Thus, I ended up paying only {$1100.00} for the same flight. I called Capital One to find out if they knew about this discrepancy on their web site they were using. Discussions with Capital One 's legal department made it clear to me they were not interested in correcting the problem.They told me they had no control over the process, even though I told them they could issue a disclaimer on their website that the user would probably not get the best deal here and would probably loose their mileage benefit completely. Capital One 's legal department just continues to respond that they have no control over the process which is nothing more than a lie.
THESE ACCOUNTS ARE NOT MINES AND ARE MORE THAN 7 YEARS OLD.  THEY SHOULD HAVE ALREADY BEEN DELETED. 



XXXX XXXX XXXX XXXX XXXX {$3000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX
I am a XXXX-year-old retired father that was helping my son to get a {$23000.00} debt consolidation loan from US Bank ( co-signing loan ). I was told by bank officer XXXX the loan was declined due to a bankruptcy filing I had done that occurred in XX/XX/XXXX. Bank officer XXXX stated this was in note from loan underwriting officer to her. I went to XXXX XXXX and had no problem having loan approved and co-signing loan for my son. In XX/XX/XXXX I had listed credit card from bank that US Bank bought several years later in bankruptcy filing for about {$2000.00}. I kept my checking and savings accounts with this bank and later with US Bank after filing. In XX/XX/XXXX I asked for {$5000.00} line of credit that would be attached to checking account to avoid overdraft charges. I was manager for national company at the time and did a lot of traveling. Bank Manager stated this request was denied at that time for same reason, XX/XX/XXXX bankruptcy filing. I challenged the decision in a letter to the bank at that time. Letter from US Bank dated XX/XX/XXXX stated they denied loan due to applicant has poor or no previous experience with the credit grantor. Letter also stated my credit score was XXXX. I did have checking account for many years with US Bank till XX/XX/XXXX experience with loan denial.
Equifax has my credit report blocked and continue to tell me they do not. I placed calls to them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after multiple attempts to sign up for third party credit monitoring through XXXX XXXX XXXX, XXXX, XXXX, and XXXX. Equifax during each call insisted my account was NOT blocked at all. Well, on Saturday XX/XX/XXXX I received an email from XXXX XXXX XXXX advising me that Equifax denied the request for monitoring which resulted in my having to cancel my account with XXXX XXXX XXXX. Then on Monday, XX/XX/XXXX I received notification from XXXX, via my Equifax credit report that there is a block on it. I am furious that multiple phone calls resulted in me being lied to. That is insulting and a waste of time! It 's bad enough you have caused MILLIONS of consumers grief with yet again ANOTHER system hack, but you lie to me when I asked a simple question. I consistently have to go back and forth with you on inaccurate data on my credit report, now you jokers have the audacity to block my file WITHOUT my permission. If this block is n't removed I will proceed with legal action.
Diversified placed a XXXX bill on my credit reports with XXXX, XXXX and XXXX without first sending me a California XXXX FDCPA mandated dunning letter. California State law provides for written notice 30 days PRIOR to reporting to the previously mentioned credit reporting agencies. 

I have not had an opportunity to even see if the debt is valid. They never even sent me documentation. 

I disputed the item with the credit reporting agencies but they simply " verified ''. 

Diversified violated California State Law.