WillisBack/dataset-financial-user-claim huggingface dataset:
This is for a Home Equity Line of Credit : I applied for a home equity line of credit around XXXX XXXX, 2015. I received confirmation of credit score on XXXX XXXX, and a confirmation email with specific documentation requirements on XXXX. Documents required included : recent paystub, a XXXX settlement form, signed authorizations, a notification of appraisal cost, and a copy of homeowners insurance. On XXXX, I provided the paystubs and XXXX along with a copy of the XXXX. Insurance would be updated with PenFed as a beneficiary at the time of closing. On XXXX I transferred funds for the appraisal. I also signed the disclosures and provided insurance information on XXXX via email and via post. I also inquired on XXXX as to why I needed to sign the waiver of timing requirements for appraisal. Throughout this point, I never received a single response or confirmation to any communication I had with PenFed or XXXX XXXX. On XXXX I notified PenFed that I was also entertaining a proposal from XXXX Bank, and inquired about my conditional approval. Upon notification of the XXXX application, PenFed required a letter of application withdrawal from XXXX in order to move forward. I followed up again with PenFed on XXXX to explain the withdrawal letter requirement, which they explained was only required if I was cleared to close with PenFed and needed to be provided only prior to closing. I followed up what was explained to me by the customer service agent with XXXX XXXX my loan processor in email format, requesting her confirmation. No response. I also called into PenFed on numerous occasions to try and confirm the status of approval and appraisal. I called in on XXXX when appraisal had not been ordered, and confirmed that it was to be ordered on XXXX - funds were debited. On XXXX I called to follow-up about appraisal, where it was confirmed that although they took the funds, appraisal was not ordered - and was placed on rush. I was told that I would receive a call within 5 days to schedule. I received a call on XXXX ( XXXX call ) from XXXX XXXX that although they took the funds and thought an appraisal was ordered, it in fact was n't. She promised that I would be contacted within XXXX2 days. By XXXX I was not contacted, and as such, I sent an email on XXXX withdrawing my application and demanding a refund of my unscheduled appraisal. On XXXX I received a phone call indicating the appraisal order request did not go through, and it was being rushed, yet again. On XXXX my application was officially withdrawn. On XXXX my appraisal fee of {$470.00} was refunded, but the refund was backdated to the original debit date. On XXXX my appraisal fee was charged back for {$470.00}, while the application remains in a withdrawn status. At this point PenFed has not delivered the service, did not incur the appraisal cost, and has absconded with my money. I demand a full refund of the fee paid.
I have no recollection of what rhis debt is for. Im assuming it is a medical debt and if that is the case i have had coverage thru the state of Minnesota for over 10 years. It may be a debt that should be taken care of thru Medical assistance. But I am not sure.
XXXX XXXX an investigation with XXXX concluded with deletion of theaccount " account XXXX the results are : this item has been deleted from the credit file .... '' today the account is reappeared, see my XXXX XXXX report included here along with thesept XXXX letter from equifax. 
there was no five day notice or certifcation from the creditor.
On XXXX XXXX, 2017, I filed a claim with Bank of America because I had unauthorized charges on my account.

I explained to the representative that I had been using a temporary debit card ( issued by Bank of America ) until my permanent debit card arrived in the mail. On the day that I received the permanent debit card, I also received a letter from Bank of America with my PIN number enclosed.

I was n't aware that the temporary card would still be active after I activated the permanent card. So, I tossed the letter and the temporary card into the trash.

I later realized the false charges.

So, when I called, I was given a temporary credit-on XXXX XXXX, 2017. 
Today, I received an email that stated the credit is being reversed because the thief only swiped my card one time and did n't attempt to steal more! How ridiculous!
As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX I and have had no response from XXXX ; Experian ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
I have disputed this Account on many occasions with XXXX, XXXX and Experian about the Inaccurate reporting and each time it comes back as verified. I have sent an email to XXXX XXXX XXXX regarding this issue and have n't gotten a response back from them. 
Date of first delinquency show XXXX Monthly Reporting history show XXXX
Eastern account systems did n't provide adequate verification for debt in question no documents were provided showing a contract or signature
I called on XXXX XXXX to ask why I pay and pa and pay and the balance never goes down, and they told me because of the interest but they are charging me the inters of 6 years all of it in 1 year, thats not right they financed XXXX XXXX, and I already pay them XXXX dollars and the pay off balance is XXXX XXXX why and how??? Do I ow more then when I got the truck? Please help me, thank you have a great day
I CLOSED MY BANK ACCOUNTS WITH U.S. BANK 2 MONTHS AGO. THEY SENT ME A LETTER STATING THAT THEY CLOSED MY ACCOUNTS. IN THE MEAN TIME, THEY RECEIVED MY SOCIAL SECURITY CHECK AND WILL NOT RETURN IT. I FILED COMPLAINTS WITH THE BANKING INDUSTRY AND THE XXXX. I ALSO ASKED THAT U.S. BANK NO LONGER CONTACT ME. U.S. BANK CONTINUES TO CONTACT ME. THEY SENT ME A BANKING STATEMENT LAST WEEK AND THE FOLLOWING TODAY : View this email as a Web page. View our Security Policies. 
U.S. Bank ( R ) U.S. Bank ( R ) Action : Your primary email address has been changed. 
Date : XX/XX/2015For your protection, U.S. Bank automatically alerts customers when personal information changes on our systems. If you did not initiate the action noted above or need assistance related to this Security Alert, call XXXX XXXX ( XXXX ). Please do not reply to this message. 

To confirm that U.S. Bank delivered this Alert, access the Alerts link within Online Banking, select Security Alerts and view Alert History. 

Online Banking customers can receive other important account activity alerts, like low balances, when payments are due and much more -- all for free. Sign up or learn more today at usbank.com/bankonline. 

Find us on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) U.S. Bank MobileXXXXBranch XXXX ( XXXX XXXX U.S. Bank Mobile1. You may be charged access fees by your carrier, depending upon your personal plan. Check with your carrier for details on specific fees and charges. 
EMAIL SECURITY INFORMATIONEMAIL SECURITY INFORMATIONEmail intended for : XXXXXXXXXXXX your privacy is our priority. We 'll never initiate a request via email for your sensitive information like your Personal ID, Password, Social Security Number, Personal Identification Number ( PIN ) or Account Number. For your safety, never share this information with anyone, at any time. If you receive an email asking for your sensitive information, or would like to report a suspicious email, forward it to XXXXXXXXXXXX or call U.S. Bank Customer Service immediately at XXXX ( XXXX ). 

Get more details about recognizing online fraud issues. 

Note : If you 'd rather not follow links from this email, you can access information on all U.S. Bank products and services at XXXX. 
To ensure that you continue to receive email from us, please add us to your Address Book ( XXXXXXXXXXXX ). Thank you. 

You are receiving this message as a service to your account because you are enrolled in Online Banking. U.S. Bank automatically alerts customers when personal information changes on our systems. 

View the U.S. Bank Privacy Pledge. 

U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( C ) XX/XX/2015 U.S. Bank, N
We are currently trying to sell our home. Because the house is underwater, I contacted Wells Fargo for some type of assistance for ways we can sell the home. The tentative buyers are offering {$130000.00} and the amount owed on the house is {$140000.00}. I was told nothing can be done but a short sale which will take 6 months to complete. If I can not afford the home on this date, how can I afford the home six months from now. I urged them that I had a buyer now and could not afford the difference of what was owed and how much the buyer was willing to pay ( {$10000.00} plus realtor cost ). I also relayed that I can not afford making monthly payments which if I stop I will not be eligible for short sale. Any suggestions are appreciated.
During the month of XX/XX/XXXX I was reviewing my credit report and noticed that XXXX XXXX was reporting a 60 days late payment. I called them and they said that it was for a {$2.00} fee administrative fee that I never knew about. I was never told or explained that this was going show up on my personal credit report. I sent them a letter and they replied that they were reporting accurately. I have repeatedly called and to no avail. No one can explain the {$2.00} charge accurately or why I was n't informed. This has resulted in me being denied a home loan because of the way its being reported ( 60 days late ). I have lost over 35 pts on my credit report for something that I had no fault. I have been a client of XXXX 's since XX/XX/XXXX and I have never been late, as a matter of a fact I barely use this card. I have attached my credit report in order to demonstrate that I do not pay my bills late, that I am very responsible with my payments, My credit report will speak for itself.
Today at about at XXXX/XXXX/2017 at XXXX XXXX while looking at my transactions within my PayPal account a negative balanced of XXXX dollars and XXXX cents appeared after a refresh of the page that has no details associated with it. When I clicked on the details button regarding that mysterious negative balance of XXXX dollars and XXXX cents it takes me to a page to add money to cover the balance without any details explaining its appearance. I suspect fraud and negligence by the company. I contacted the company immediately for some clarity on the matter and waiting for there response.
Someone fraudulently used my debit card. I tried to call Bank of America to report it but after waiting on hold for 30 minutes ... ... .... I hung up. I called back and talked with a customer Rep and she apologized but told me that there were long wait or hold times on the phone to report fraud for a debit card. If it had been a credit card then I could file the fraud complaint online. But could not file a complaint for a debit card. If someone has my card number and is charging fraudulent charges, it can be used just like a credit card. Except they are going through real liquid cash! This needs to changed ASAP.
Keep receiving calls from collection company about a medical bill I have no Idea off what its for never received a bill from the medical facility or an explanation of benefits from my insurance. I have asked over 10 times to please send me a bill and itemized statement of what this is for. They keep calling and telling me the balance owed is more every time they call and they I will continue to be charged interest. I tell them I do not know of this bill and to please send me an itemized statement and invoice. I tell them I have never gotten any kind of bill from any medical facility for such a large amount nor has my insurance company sent me any explanation of benefits. They are harassing my home by calling everyday and not sending the requested information. Please help me resolve this. I pay all my bills and all my medical bills. It is not fair for these collection companies to call and harass people and not supply information on what they are accusing you of. I am not just gong to send money to people who request it with out a bill and explanation.
Chase Mortgage : I was behind 2 mortgage payments. Chase recommended a loan modification. After 6 months, and request after request for documents, we were denied. The reason : the home is not our primary residence. We have a USDA backed loan. USDA loans are not eligible for modification if it is not your primary residence. This is a fact that was discussed with Chase from the very first conversation concerning the modification, yet they still allowed us to go through the process. So, Chase had us go through a loan modification we were never eligible for to begin with. This has resulted in thousands of dollars in foreclosure fees and late fees and has ruined our credit. Other bad practices by Chase : they returned a check for payment on the mortgage as it would opt us out of the modification, they lost over {$2000.00} of our money for nearly 2 months following payment, in full, of a reinstatement quote to bring the mortgage current following the failed modification, they refused to speak to me when I asked to escalate the issue of 2 late payments as a result of them losing the money, failure to explain withdrawals from my escrow account in the amount of {$200.00} and {$720.00}, I could go on ...
There is an account with XXXX XXXX XXXX that is now closed. The account was open in XXXX but it says XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.
Tried to access my credit report for the first time so I can start to build my credit and it is stating my information is n't matching. I have never established credit and know I am entering the correct information I am now concerned my identity has been compromised and need assistance on how I can speak with someone to get this taken care of.
In XXXX 2013, I purchased my first house. The original mortgage was through XXXX XXXX. My down payment was 10 %, and therefore, it included mortgage insurance. However, I was told that I would be able to lose the mortgage insurance after 5 years or as soon as I had 20 % equity in the house - whether that came from improvements made to the house, actual money paid on the mortgage or the value of the house increasing on its own. Since we moved in, we 've made improvements to the house ( remodeled kitchen and bathroom ) and the value has increased. We know that we have much more than the 20 % equity we were told was required to lose the mortgage insurance. However, at some point, our loan was sold to wells fargo. I 've been in and out of the bank on the phone over and over trying to figure out the steps i need to take to get the mortgage insurance removed. Every time I get a different story. Most recently, I was told that it is true that I can get rid of my mortgage insurance by having 20 % equity, but it has to be a result of structural improvements made to the home and I have to show receipts for all the money I invested to make those structural improvements. They said that remodeling we did does not count because there were not walls added, so it was not structural updates but just cosmetic updates. I am frustrated because none of this is what I was originally told when I signed my mortgage and i had no control over it being sold to Wells Fargo, so they should n't be able to change what I was told. Also, I am frustrated because Wells Fargo has given me at least XXXX different stories and it seems they 're just trying to confuse me, so I 'll give up on trying to get my mortgage insurance dropped.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Account Number : Select Portfolio Servicing ( SPS ) Estate of XXXX XXXX XXXX : XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX. 

Dear Sir/Madame I wish to raise an official complaint regarding SPS appeal process of the assumption of XXXX. My account was reviewed improperly. 

Background : I requested an assumption for the above loan. The Assumption request was denied on XXXX XXXX, XXXX, based on the Estimate of the Net Present Value of the property of {$390000.00}, therefore the investors would not approve the assumption. If I disagreed, I had 30 days to appeal. On XXXX XXXX, I appealed the notice of denial based on NPV was {$250000.00}, by providing the required documents. On XXXX XXXX, XXXX, I received a letter requesting additional documentation, since property comps must be provided within a one mile radius, which was not clearly stated in the Appeal documentation required. On XXXX XXXX, XXXX I submitted the documentation for property comps within a one mile radius as requested, plus all the other documentation initially submitted on XXXX XXXX. On XXXX XXXX, I receive a notice that appeal was denied, because I did not submit the appeal within 30 days of Notice of Denial date XXXX XXXX, XXXX, which was incorrect. I submitted the appeal on XXXX XXXX. I have called SPS multiple times after receiving the letter and had the case reopen for review on XXXX XXXX, XXXX. 

So what 's the ISSUE? 

During the above process, I have called and I continue to call SPS weekly to attempt to speak with the Customer Advocacy group or someone who is handling the appeal process to discuss my appeal. No one will speak with me or call me back from the customer advocacy group. I was told by the customer service call center they would call me back. NO ONE CALLS ME BACK from the customer advocacy group. From XXXX XXXX, XXXX to XXXX, XXXX, my file has been transferred to multiple people within the advocacy group. The appeal case has been transferred to XXXX XXXX, XXXX XXXX and XXXX XXXX. As a result, my appeal is continuing after 4 months, due to improper review.
We were late, only once, and on no other credit cards or loans, on a Carecredit/Synchrony Bank account over XXXX years ago. This has resulted in a lowering of our credit score and we have on XXXX occasions asked XXXX to remove this detrimental to our credit inasmuch as the mishap happened over that length of time. They refuse. Can you help? 
My name is XXXX XXXX XXXX, and that accuont with Carecredit/Synchrony ended in XXXX. 
We have no other bad credit charges on our reports other than this. Thank you,
my husband passed over in 2014 ; he would always tell me that if anything happened to him that the mortgage would be paid off. 

the mortgage is in my husbands name only, and I ca n't find the mortgage insurance. 

I notified the mortgage company, and the home insurance company. 
I am the administrator of the estate. I sent the death cert.. and the admin.. document to each company. 
the insurance was put in my name. the mortgage company will not change the loan to the estate of.. 
when the renewal of the home insurance was due the mortgage company would not send the insurance payment through escrow. they stated the insurance policy is not in my husbands name. the insurance company stated they can not have a policy in a deceased persons name. I am the administrator of the property. 
the mortgage company stated to assume the loan, sell the property, or find another home insurance company. ( you can not feel the total disrespect and rudeness I experienced from the worker through my words. ) also every time I call the mortgage company to find out what is the problem I get the prompt, this an attempt to collect a debt and this call my be monitored. 
I have not missed a payment to either company. 
the mortgage company did send a letter stating a name change. I do n't know if I am paying off a mortgage or a transfer to a debt company. please help.
On XX/XX/2018, in obtaining and approving a car loan from XXXX I was provided with documents that show my credit score from XXXX indicating a score of XXXX which ranks higher than 97 percent of U.S. consumers. Copies of that score are attached hereto. 

On or about XX/XX/2018, I applied for a XXXX credit card and was denied due to race. I received a letter from Citibank / XXXX that indicated delinquent credit obligation. This is false as that was disputed with XXXX as the charges were reported as fraudulent. Copy of letter attached hereto. How can I have such a high score if that wasn't true? 

I have a credit score higher than most Americans and I was denied a credit card. This is shocking and can only be described as racial discrimination. I fought for my country and almost died only to be discriminated by Citibank and XXXX. Now, you know why veterans commit suicide because we have companies like Citibank and XXXX who perpetuate the reason.
The collection company ERC is not authorized to collect in the state of Tn. I have already contacted the company concerning this matter. I have not received any contracts from this company proving evidence that the debt is mine as are my rights. I ask the ERC provide a Full validation of this debt along with proof that they are licensed/bonded in the state of tn to collect. If proof can not be attained, I ask that ERC cease and detest any further attempts and delete the negative remark from all  XXXX  credit bureaus
LVNV FUNDING LLC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you LVNV FUNDING LLC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : LVNV FUNDING LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX