WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is in regards to unauthorized fee for an appraisal that was ordered by my former home loan officer XXXX XXXX XXXX ( # XXXX ) at Prime Lending XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : XXXX. On XX/XX/2017, XXXX XXXX XXXX was notified that home loan services from Prime Lending were no longer needed due to his aggressive and unprofessional speech via telephone on XX/XX/XXXX. 
Surprisingly, on XX/XX/XXXX, I received a intimidating voicemail from stating " the appraisal went to the property on yesterday, the appraisal is done..you have until Monday to pay the appraisal fee ( {$550.00} ) ..I would hate to have this affect your credit and cause you problems with moving forward with a new loan ''. Since getting the appraisal supervisor and accounts receivable involved, I was sent a link by XXXX XXXX for a {$150.00} trip fee. My position is I did not authorize this appraisal, therefore I should not be charged any associated fees. Please look into this matter to assist me in resolving this issue. 
Regards, XXXX XXXX Former Loan # XXXX
I accidentally added non-ERC20 Ethereum address which I created at Coinbase to the dashboard of XXXX. I should have used ERC20 compatible Ethereum wallet address. After I made transactions, XXXX  sent XXXX tokens via a smart contract to Ethereum address which I created in Coinbase. 
I have invested about XXXX in XXXX tokens which makes XXXX XXXX tokens. I can wait for a ticket resolution for several weeks. In fact there is more you can do to assist me as I know that it is technically possible that you can transfer these tokens. 
The XXXX  XXXX XXXX has proof that there are tokens in address which is created in Coinbase.
Capital One N.A . -Alleged Creditor actually a misconduct debt collector who violated Federal Consumer Laws FDCPA. 
My house was stolen by a well-orchestrated group of people from a BK Judge XXXX XXXX to debt collectors - collecting not on a real estate loan but an unsecured debt. The debt collector XXXX XXXX XXXX dba XXXX XXXX, Captial One N.A., XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX servicer of XXXX. 
Please refer to my letter for the illegal seizure of my home - all debt collectors violating FDCPA to seize my home and equity. I was eligible for Quiet Title and was continually bullied and endured Legal Abuse Syndrome. I am handicapped already ; I receive SSI. These people took advantage of my condition.
Supplemental complaint, re # XXXX. 
XXXX County Recorder 's website shows NO recording of Trustee 's Deed for my property located at XXXX XXXX XXXX, XXXX CA XXXX. The Property is still in my name. 
As told before to CFPB, in my complaint XXXX - the buyer / investor who purchased the property at auction through XXXX on XX/XX/XXXX did not post the Notice of Sale giving me 72 houses to remove my belongings. My belongings were removed by a crew on XX/XX/XXXX using a dump truck. I saw the crew on the property. 

My previous complaint to CFPB demanded XXXX dollars for the illegal seizure of my belongings, failure to post the Notice of Sale giving me 72 hours, and failure to provide me with a list of my belongings that were taken. 

Since the County Recorder website does not show a Trustee 's Deed, BUT only a Notice of Trustee 's Sale - Document Number : XXXX Number of Pages : XXXX Recording Date : XX/XX/2016 Cost to Buy : {$7.00} Add {$1.00} for certified copy : Buy Now Document Type : NOTICE TRUSTEES SALE ALTER CHARITO XXXX XXXX The utter and continuing failure by Wells Fargo to complete the paperwork, means that I am considered by the County to still be the owner of the property. If so, I have grounds to claim that Wells Fargo or its cohorts are responsible for trespassing and illegally removing my personal belongings.
Multiple issues with Monterrey Collections : 1. An alleged debt was not billed to me by original creditor ( a medical lab ). 2 ) Original creditor ( XXXX, XXXX lab 's CEO ) represented only if an insurance payment was sent directly to a patient would collection attempts be made. 3 ) Alleged debt awareness was first made by collection agency -- no communication by original creditor -- XXXX years later than alleged debt. 4 ) Collection agency refused to disclose verification or documentation of alleged debt. 5 ) Alleged debt was reported to credit agencies ( XXXX ) before I was able to respond within 30 day notification deadline of receipt of collection letter. 6 ) Proof of insurance payment to XXXX XXXX regarding the alleged debt was sent to Monterrey Collections. 7 ) Monterrey Collections refuses to remove the debt or the negative credit reports.
I was involved in a XXXX accident in XX/XX/XXXX in which I suffered a XXXX. I had been reported to a collection agency in XXXX. ( XXXX XXXX XXXX XXXX XXXX ) who refuses to follow the law. This company ignores the rights I have under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have sent multiple letters exercising my rights to ask for 1 ) date of first first delinquency and also when I missed my first payment. 2 ) Statute of limitations may not  validate the debt.3 ) Copy of the original signed agreement and balance on the account from XXXX to present. 4 ) What is the account number of alleged debt. 5 ) When was the last payment made on this debt. 6 ) What was the credit limit of this account? 7 ) XXXX XXXX XXXX XXXX are trying to collect the wrong amount. 8 ) XXXX XXXX XXXX XXXX are asking me to pay more than what is owed. 9 ) XXXX XXXX XXXX XXXX are trying to collect a debt that s not valid. 10 ) XXXX XXXX XXXX XXXX have not accurately verified & validated the debt. 11 ) XXXX XXXX XXXX XXXX information concerning this debt is inaccurate and must not be reported to the CRAs. In good faith I have offered an olive branch to XXXX XXXX XXXX XXXX to settle the debt because I have documentation of everything from my near fatal accident, medical history and official papers explaining how I am currently dealing with the stressful situations. I 've given official statements and paperwork from my neurologist to behavioral counselors and have express to this company ( XXXX XXXX XXXX XXXX ) that at the time of this application ( XX/XX/XXXX ) being rendered that I was mentally impaired, incompetent and incapacitated. I continue to have difficulties and suffer from XXXX XXXX, XXXX XXXX and have also survived a XXXX attempt. I have told XXXX XXXX XXXX XXXX that I have exhausted all of my time and energy asking them to leave me alone and to give me room to breathe so that I may be a productive citizen.
I sent a {$3500.00} wire transfer from my retirement account and it was sent to Wells Fargo, to an account that was closed years ago. The wire was rejected but Wells Fargo decided to keep {$50.00} for the incomplete wire. 

Banks charge fees for insufficient ACH transactions, bounced checks and similar things, but they are charging THEIR client in every case. Many banks also charge THEIR clients for incoming wires. These fees are part of the bank 's " Terms and Conditions '' to which their customers agree when signing up. 

I am perplexed that Wells Fargo can reduce an incoming wire by a non-customer, and I do n't see how that 's legal as there is no wire or account agreement that says they can. The entire amount of {$3500.00} should have been returned. 

I can not think of any situation where anyone or any company, absent a court judgment, is permitted to take money from someone else without their agreement and Wells Fargo should return my {$50.00}.
Initiated credit freezes at all XXXX credit bureaus in XXXX of 2015. 
Experian and XXXX now require a form letter with ID sent via mail to get a credit report. 
XXXX still provides their report online. 
Experian and XXXX are punitive against persons that initiate credit freezes.
XXXX XXXX XXXX ACCOUNT IS NOT MINE, PLEASE REMOVE THE ACCOUNT FROM MY CREDIT REPORT
I've reported a dispute with XXXX XXXX XXXX through Experian credit Bureau twice ..first response was Consumer meet FCR reporting ... I sent in documents, notizied by by my bank, with a copy of my Personal ID, and certified..with a Identify fraud imformtion report asking for information on this account ... I received a letter saying it was A '' Bill '' ..I included a copy of the letter also ..with a notice to Furnisher..but Experian allowed the collection agency still report to this account without any information about this bill confirmation ... The so called Bill I received was a typed up letter on the the collection agency letter headed ..with no information or signature of service of what hospital this Account accurate.this is my second dispute with this company..my next step is to file charges with my local courts ..the Bill is from XX/XX/XXXX ..I demand this account be removed off my Credit Report .. Experian and XXXX as not sent me any supporting documents about this account as of XX/XX/XXXX ... This is not my Account.
Chase bank send an offer in the mail to get {$300.00} bonus money when i open a new checking account with direct deposit. bonus will be deposited within 10 days of direct deposit hitting the new account. After direct deposit hit, chase didn't deposit any {$300.00} into my account so i called the customer service line, i was told there in no incentive payment pending for me and they didn't see any coupon added to my new account when i opened it. i was told to contact the branch where i opened my account with. I contacted them and i was told the guy is with a client and will call me back. they took my name and number but no one called me back. the next day i went into the branch myself and spoke to XXXX the man who opened my account. he stated he didn't know what happen and he will have to get his supervisor to approved the bonus but his supervisor is gone for the day and will informed her the next day. i didn't hear from them again after couple of days, i called and spoke to XXXX and ask about my bonus, he said his supervisor will try and get it approved and now it's been almost 2 weeks and i haven't heard from them again and no money is deposited in my account.
I began contacting Discover Card for an account I had XX/XX/XXXX. I had filed bankruptcy in prior years and came to learn three years later that Discover Card ( amongst others ) had increased my interest rate from or about 3.5 % to over 29 %. At no time did we miss or were we late on a payment. Discover, along with several other credit card providers, had found the bankruptcy, in which I did NOT include any debt I owed, and automatically started slowly increasing the interest rate. After several years of paying the invoices we discovered the large increase and notified each credit card company that followed this process and demanded that they reduce the rate and provide a refund. Many did but Discover did not. We quit paying on the card and continued to demand a refund, which would have resulted in us owing nothing on the card. XXXX when the write-off showed up on credit report I began writing Discover and the credit reporting companies in an effort to have the charge off removed from my report ( see attached letters ). Although I received XXXX response to my XXXX requests, the information requested was never provided. The information I was requesting were items listed on the CFPB site and I referenced the Fair Debt Collections Act in each letter. I have just been turned down for a mortgage refinance on my home because this item is on my credit report. My savings in monthly payments due to the reduced interest rate would have been over {$1200.00} a month, a loss of roughly {$72000.00} over the next five years. This debt was eventually sold and I have had similar contact with the collection firm. They too did not provide the information requested, specifically the information I needed to calculate and show the overcharge of interest.
I had a account with XXXX that was eventually sent to a collection agency, it has been on all XXXX of my credit files for over 7 years with XXXX collection agency and as of XXXX 2015 it had been resold to another collection agency and is being report as a new collection account on my credit file as of that date. The account should have been removed from my credit file in XXXX 2015 for good. The Collection Agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX and its for XXXX XXXX Account # XXXX for XXXX. I feel that the agency is unfairly putting fraudulent info on my credit report.
4th request, XXXX XXXX XXXX or now called Dovenmuehle Mortgage, has been asked numerous times to fix my XXXX credit report and make it consistent with the other XXXX credit agencies. They fix it, then they change it, and again they 've done one more time ... .I do n't like the vindictive games they play. These games have forced me to unfairly pay real money for a higher rate on my new mortgage. I 've asked them 50 plus times to fixed this, most recently, on XXXX/XXXX/XXXX, I asked that they once again remove the FLASE sentence " Settled - Less than full balance. '' I 've been dealing with this since the closing back in XXXX ... Now almost two years later they still are power play games with the information. You helped to finally make progress on the matter, but they still have not taken your words seriously enough. I am submitting another request because they now have once again made the credit report worse by wrongly adding in late payments as illustrated in my XXXX/XXXX/XXXX XXXX Credit Report, which is now worse than the report on XXXX/XXXX/XXXX. I do n't want to force the issue of fines and penalties ' on XXXX but sincerely they 've cost me real money by the not taking the matter of correcting my report seriously.
All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission to demand on my behalf that all 3 credit bureaus remove all of this Consumer 's social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similarly sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX XXXX from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the Federal Trade Commission for protecting her/his Personal information, Family, and Household.
Today, X/XX/17, I tried to get a security freeze with Transunion due to the recent security breach at XXXX. Instead of getting a security freeze I received an email saying I had subscribed to XXXX per month credit monitoring. Deceptive marketing. I went online to cancel and I received notice that I would still be charged for one month. I tried to call, waited on hold for 20 minutes, then was disconnected. I tried to call again, waited for 30 minutes and gave up.
I mailed a cease and dispute letter to Hunter Warfield on XXXX XXXX. XXXX XXXX I received verification of debt letter dated XXXX XXXX from Hunter Warfield. The envelope states " Collection & Asset Investigation ''. Whenever Hunter Warfield sends letters it says this on the envelopes and they are not suppose to use envelopes that reveal information indicating that the sender is a debt-collection agency. And it was extremely embarrassing because our postal carrier had accidentally put it a neighbor 's mailbox. Also they did not mail the verification of debt letter in a timely fashion.
XXXX XXXX ( now Navient ) misallocated payments between the loans in a Billing Group. I request that the payments be properly reapplied. 

At the time of the error, Private Loan XXXX had a principal balance of {$31000.00} with an interest rate of 3 % and Private Loan XXXX had a principal balance of {$27000.00} at 2 % interest. 

Despite repeated requests to move these private loans out of the same Billing Group, at the time that this allocation error occurred, XXXX XXXX had denied my requests. They repeatedly denied these requests to separate the loans from a Billing Group until XXXX XXXX. 

In the attached documentation, you 'll see that a {$10.00} payment made on XXXX/XXXX/XXXX and a {$12.00} payment made on XXXX/XXXX/XXXX were XXXX allocated towards XXXX loan only : the Private Loan XXXX, which has the lower interest rate and the lower principal balance within the Billing Group at the time. 

Payments made on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX seem to be properly allocated between XXXX loans within the same Billing Group.
Ditech has continually been trying to switch me to a escrow account when I have always been non-escrow and I pay my hazard insurance and property taxes seperately. In addition to me paying my own property taxes and hazard insurance Ditech has been sending duplicate payments to both and charging my account for them. Currently my account shows that I owe {$4300.00} in escrow when its a non-escrow account! Furthermore it is ruining my credit rating. After many phone conversations with Ditech they mislead me into thinking that they resolved the situation but the situation remains. For the second time in XXXX months they have again paid off my hazard insurance and tell me that I owe them this money when I already paid my hazard insurance - the same for the property taxes. I work full time and find myself contacting them almost every day which is putting my job in jeapardy.
Ditech performed an inaccurate Escrow analysis on my home and has increased my mortgage amount over the past two year s.      XXXX   County refunded Ditech {$2100.00} that was the amount of the over payment and the company has still not d isbursed my funds.     They also are not processing my mortgage payments because my payment amount is not the same as their overestimated mortgage amount that they have just increased on my end.
I applied for a modification on XX/XX/2018. On XX/XX/XXXX I was turned down saying I had no income for a loan modification. This was incorrect. I provided full income. They also said I had almost XXXX in expense. This was not true my expense is /was XXXX .All of this was put in properly with documentation. I am an older woman afraid of losing my home.
I already have a complaint opened, XXXX pertaining to flood insurance. This was opened on XX/XX/XXXX. I have only received XXXX response to this from my mortgage company, NationStar. This was dated XX/XX/XXXX and they said they would respond by XX/XX/XXXX 
I saw on this site that they responded to the CFPB that they would respond by XX/XX/XXXX. I have heard nothing, until today when I XXXX again received a copy of the original letter stating they are going to raise my flood insurance. I need to know something? What is going on? The mortgage company is not responding. Help, please I can not afford a large increase in my insurance. I thought this was settled in XX/XX/XXXX when XXXX XXXX XXXX tried to do the same thing and the CFPB had to intervene. I have not changed anything on my mortgage.
I received on XX/XX/XXXX a letter in the mail from Pressler & Pressler with a court date of XXXX XXXX at XXXX. The last contact I had with this company was XX/XX/2015 after a summons had been found on my sister 's front door, the incorrect mailing address. I quickly called and agreed to enter a repayment plan as soon as the requested paperwork - a verification of the amount owed, a payment agreement in writing - would be presented to my current mailing address. I refused to provide my bank account/credit card via phone until that information had been forwarded to me. In the letter left in my mailbox, Pressler and Pressler indicates the dates of our communication as being over a year ago and fails to provide any repeated communication attempts or explain how I failed to make payments on an arrangement which was never agreed upon. Pressler & Pressler has failed to contact me or make any attempts to enter a payment arrangement with me and failed to provide any correspondence for the past year.
I contacted Stellar Recovery Inc about this account that was sent to them by XXXX at XXXX. Stellar Recovery told me that the account is no longer with them and that I should contact XXXX XXXX. I contacted XXXX XXXX at XXXX and they told me the account is no longer active and they ca n't do anything about it.
TransUnion had a computer glitch in their system that violated the rights of their consumers Under sections 6.11. I have been gravely affected and my score is suffering as a result. This computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I have Spoken with multiple Reps of TransUnion and they all acknowledge that the glitch happened multiple times in XXXX but they refused to fix their error in my credit report. I am requesting that the reinserted inquires be permanently removed from my credit report. I demand the following inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/2016 I accepted a trial modification payment plan ; the conditions were set in which I make all trial payments on time ; US Bank sent me a permanent modification agreement which I signed with a notary and returned to US Bank on time ; and that despite all that I found my home listed for online auction set for XX/XX/2016 by US bank on the website XXXX at this address XXXX
I HAVE NOT HAD ACCESS TO MY MONEY SINCE XXXX/XXXX/15 WITH RUSHCARD. I CA N'T GET GROCERIES, PAY BILLS OR MOVE. THEY KEEP SAYING THEIR FIXING IT BUT NOTHING HAS HAPPENED BUT FALSE PROMISES. LONG WAIT HOURS ON THE PHONE, THEN LINE HANGS UP AFTER WAITING FOREVER. THEY CLAIM TO CALL YOU TO HELP YOU WITH THE PROBLEM BUT NOTHING YET. IM FRUSTRATED AND CRIED OUT WITH THIS PROBLEM. THIS CA N'T BE FAIR.
Hello, I have an issue with the credit bureaus reporting incorrect information on my credit files which are damaging my credit scores. I have the proof of inaccurate information being placed on my credit files and I 've disputed with Equifax and they 've told lies that they ca n't remove it after I 've told them the information is totally incorrect reporting from a creditor US DEPARTMENT OF EDUCATION I have attached the following proof from the credit bureau who has the correct information reporting
The Bank of America is conspiring with the lenders who only tell lies in Exchange for my XXXX money ( checks ) and my XXXX XXXX money ( checks ). I never applied for a loan ( s ) of any kind.