WillisBack/dataset-financial-user-claim huggingface dataset:
I wired {$4500.00} to coinbase to credit to an associates account. Coinbase rejected the deposit and said they returned my funds. Coinbase has been contacted about the missing funds but they have not returned the money nor have they been in contact.
Td Bank is reorganizing debt transactions from highest amount to lowest, causing more overdraft fees. I have paid over {$3000.00} in less then XXXX years because of this. I am a single mom of XXXX, that makes enough to cover bills. however with what i pay in overdraft fees it has put me in a hole. i pay the fees, then ontop of that I have to pay for my bills putting me back into the hole. i get paid every XXXX weeks, in XXXX week i had to pay over {$630.00} because of how they processed the transactions, i only make {$690.00} every two weeks.
I would like to begin by thanking you for your time and attention to address my concerns. This letter is to explain my recent financial difficulty with paying my mortgage. It started 2013 when I learned my mortgage was increased from {$700.00} to {$1900.00} which is a significant increase. 
This was done without any notice that an increase was going to occur. This caused late payments associated with late fees to my account. I have to mention that I have not received the kind of assistance with saving my home I deserve. I was n't provide all the information regarding loan modification, debt forgiveness, or short refinance which would have certainly taken my loan from inflated to XXXX more manageable within the fair market value of my home. During the time I considered a short sale your on appraiser listed the value of the property as {$80000.00} when I owe at least {$200000.00}. Being that I currently reside in the home it would make more sense to work a person living there than to have it vacant. It seems that there has been a personal attack against me and discriminatory practices by Caliber against XXXX XXXX citizens. When I was in court going through the chapter XXXX deposition a young XXXX female explained to the court recorder that she was forced to surrender her property which was secured by a loan from your Caliber Home Loans as a condition of her bankruptcy. I 'm also aware that a class action lawsuit was filed against Caliber Home Loans Mortgage which has been and still is associated with my account. 
I am seeking Loan Forgiveness, or a mortgage that is in proper standings with a fair market value of my home. As with many people today, it is difficult to maintain a reasonable standard of economic viability when dealing with predatory lenders. 

As recently as the last two months they have been negligent with responding to inquiries from XXXX XXXX / XXXX ( XXXXXXXXXXXX ). She can be reached at the email provided for verification.
My real estate property tax was not paid by either mortgage company, Specialize Loan Services ( OLD Acct # XXXX ) or XXXX XXXX XXXX ( NEW Acct. # XXXX ). My tax payments are escrowed. I have an outstanding NYS Property Tax bill of {$1000.00} for XXXX XXXX XXXX XXXX, 2016. 
My mortgage was transferred XXXX XXXX, 2016 from SPECIALIZE LOAN SERVICES ( I 've made complaints about this company in the past ), to XXXX XXXX XXXX. Neither mortgage company paid the property taxes. My last Specialize Loan Svcs annual escrow statement shows a payment of {$410.00} paid out but to whom? 
Specialize Loan Service or XXXX XXXX XXXX has to pay the taxes out of the escrow. The mortgage payments I made included the Property tax payments already. Where did that money go? 
I called Specialize Services Tax Dept. and was hung up on, Im guessing because I called close to closing. She could have called me back. Their customer service was never great. 
I called XXXX XXXX XXXX and was told to call Specialize Services. I am given the run around. 
Please make them pay my NYS Property tax. I already paid through mortgage payments. 
Specialize Loan Svcs ( old Acct # XXXX ) TRANSFERED TO XXXX XXXX XXXX ( New Acct # XXXX ).
I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.
constant robocalls from company called ERC ( Enhanced Recovery Co. ) on XXXX XXXX XXXX. 
I do not have any outstanding Debts, and have made sure that I am always on top of or in touch with any agency I have owed money too. 
The fact the only leave a 'robot ' message and do not say who the debt is liable by, is extremely suspicious and seems that they have picked my number from the previous person the number was assigned to.
When I opened a Citibank checking account, the bank was pretty adamant I open a savings account as well, which I did. My understanding was they were to be linked. I recently noticed that although I usually keep over {$10000.00} balance, in the checking account, I am being charged a {$25.00} service charge for the savings account which is usually only several hundred dollars..I believe it was a bank error in not linking the accounts. I spoke with them today, and requested retroactive credit, but they would only credit the current month 's charges. While it is true that I probably received statements showing this, and did not notice, or question this charge, I do n't believe the charges were ever warranted, or explained to me when I opened the account, especially since I really did n't need a savings account, and was under the impression my accounts were linked. 
In fact the front of my statement shows " relationship total '', which would support my understanding of " linkage '', and it is not until further into the statement pages does the service charge appear.
The credit bureaus, XXXX, Equifax and XXXX wrongfully removed two accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ).

When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary.

I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.
I paid off my kay jewelers loam off in full and all of a sudden two years later they say I owe money
Remarks : Unpaid balance reported as a loss by credit grantor. The account was paid in full. Incorrect information. Please delete account from my report. In violation of the FCRA &amp; FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Rec 'd a call at work from Lamont Hanley and Associates, for XXXX. I told them it is illegal to call me at work. XXXX ext XXXX
I was approved for mortgage with bbt bank, given closing date of XXXX, then XXXX, now no date.I am given XXXX poor excuse after another.bank has everything but still no date to close causing hardship and stress on me, the seller and related.I am going to be homeless, XXXX is ruined, incurred additional expenses because bbt bank ca n't or wo n't do their job
I received a Loan Modification from XXXX on my home in Georgia in XX/XX/XXXX. XXXX transferred my loan To Select Portfolio Servicing but my modification was not transferred. I was in bankruptcy at the time and the judge had to approve my modification and he did. SPS offered me the opportunity to get a modification in XX/XX/XXXX. I sent SPS a copy of my modification in return they sent me a letter stating that I withdrew my account from the modification process. I did not. I would like for SPS to acknowledge my modification because it is valid. 
Thank you.
They contained : 1 ) Statement from my educational institution abroad which showed I was living abroad when fraudulent accounts were opened. 2 ) A police report from XXXX XXXX, Iowa police that verifies I am the victim of fraud. 3 ) A police report from the jurisdiction where the fraud took place. 4 ) Statement from the property management company that owns two addresses that proves Ive never lived at those addresses. 5 ) An identity theft report from the IRS. 6 ) Documents to prove my identity. All of this ( a total of 43 ) pages was received by Equifax. Miraculously, they have claimed that this information is not enough to block these fraudulent accounts - an assertion that my local police department has called flabbergasting. Further, my attorney informs me that Equifax is now in direct violation of the FCRAs 605B provision. Apparently, Equifax is now summarily refusing to block the fraudulent information for millions of consumers - which they are not allowed to do legally, especially when 43 pages of official documents prove the fraud of these accounts.
This situation is a cryptocurrency problem on the website Coinbase. About 3 months ago, I accidently sent Tron ( TRX ) to my ETH Coinbase wallet. They do no support the exchange, but refuse to send the private keys and return the money to the original exchange I sent from ( XXXX ).
In XXXX of 2016 I atttemoted to rent an apartment from XXXX XXXX in XXXX AZ. I walked in the apartment and it did n't seem like anything was wrong. I signed the lease. After this I inspected the apartment while moving in. The apartment was not livable or move in ready. The bathroom tub was not cleaned or restored, the outlets didnot work, the dishwasher was disgusting, the refrigerator did n't work, there was bees, bugs and cocaroaches infested in the apartment. During the first week I called the police 3 times due to the u safe environment. I have XXXX small children who were scared to stay in the apartment. There were people and men outside my window at all hours of the night. During that week maintenance men were in and out of my apartment attempting to fix all the wrongs. I spoke to managment serval times and ask for different apartment and location. They denied me and said they had none avaible. I gave notice I would leave this apartment within the week, which I did. These people placed a debt on my credit report for this lease in the amount of {$3400.00} dollars. I am unable to lease a home due to this. I have disputed this debt in hopes it will be resolved if not I will sue this apartment complex and will be contacting fair housing act and the better business 's bureau.
I am a Citibank customer. On XXXX XX/XX/2017, my client tried to send me {$XXXX} payment for a job via XXXX XXXX. They input my information correctly. They were only asked to input my email, and I received the email alert saying they were trying to send me money via XXXX XXXX, so it was not user error. 

The email said that if I have an outside bank, to click on the link to that bank. I clicked on " Citibank. '' I was taken to a Citibank interface, where I was asked to either log-in or register. I could neither log-in nor register for the transfer service. I called Citibank. I explained the problem to the representative on the phone. She put me on hold, and then asked me to try it again. I was able to get in. I don't know what that Citibank representative did on her end, but the money was not in my account. It was just my regular account home screen. 

I called Citibank again and was told it could take a day for the money to credit. It never credited to my account, but the money had already been deducted from my client 's account. 

My clients and I contacted XXXX. I gave the XXXX representative my Citibank account number. She confirmed that the {$XXXX} was not in my account but had been received by a stranger 's Citibank account. Due to privacy concerns, she could not tell me whose account got it, just that it was not my account and was someone else 's Citibank account.
I 'm disputing the following debt with AFNI a collection agency in the about of {$310.00}, from XXXX. I 've contacted AFNI and was sent a bill. Well the bill is n't my bill and is a result of fraud. I have attached fraud paper from the IRS, also the address listed on the bill is n't my address. The bill date that was sent to me from X/XX/12 is from an address in XXXX XXXX Florida. At that time I was living in a total different city my address was XXXX XXXX XXXX XXXX XXXX XXXX Florida.. Again I was a victim of fraud and have a personal identification number for filing my taxes. I also check AFNI for license to collect in Florida after they were give me such a hard time after I told him that this account was fraud they have no license to collect on a date in Florida. Please see attached paper stating AFNI is n't license to collect in the state of Florida.
I have XXXX and XXXX my medical services are 100 % covered. The office should have filed my insurance correctly
I have deposited a check into my Wells Fargo Account and they have put a 10-day hold on it. It is a commission check from my broker as I am a XXXX. The check is for {$5500.00} and I have deposited at least XXXX other checks from this same broker. So it is coming from the same account it has always come from and they have never held it for more than the usual 2 business days for checks over {$2500.00} which I have accepted as their policy. Holding my check for an additional week is unacceptable and unethical as they will receive these funds way before they release them to me.
I am requesting that XXXX immediately remove Honda Finance from my credit report. Please see the attached report from the Federal Trade Commission, and the letter I have sent to Honda Finance.
On XX/XX/2018 I checked the account I had with Capitol One Quicksilver Visa credit card and found that I had an overdue account and was being charged {$25.00} passed due fee and my card had been placed on reserve and could not be used. I knew that was an error because I had set up an auto pay account on my checking account and it had been used to pay the balance due for XX/XX/2018. When I called the customer service telephone number listed on my credit card I gave all of my information to the service rep he put me on hold while he checked my account. When he came back on the line he refused to address my over due status and demanded a copy of my drivers license and my social security card because there were issues regarding my credit card. I refused to comply and hung up my phone. I then went on line and immediately paid all of their demands from my checking account which they had access to previously. I feel that I have been cheated out of the over due fee as well as the {$150.00} reward I was promised when I took out the card.
I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,  2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.
We had an XXXX loan on our house. The 20 % loan, XXXX mortgage, was with BOA, Bank Of America. It was for a term of 10 years, but I wanted to accelerate the payments since it was such a small monthly payment. Every month I would pay XXXX to XXXX times the monthly payment expecting that they would apply the excess to principal. No, they DID NOT apply the excess to principal, they applied it to the coming payments. IE if I had made triple payments in XXXX, I would n't have had another due until XXXX. I called them, told them this was incorrect and their response was, " fine, we 'll fix this. Please write FOR PRINCIPAL ONLY '' on all payments in excess of your original amount. Fine, lesson learned. The next month I wrote XXXX checks, XXXX for the amount of the XXXX mortgage and XXXX clearly marked PRINCIPAL ONLY for XXXX times the mortgage amount. The same thing happened, they applied it to the coming months payments. I again contacted them and was told that it would be taken care of. Well, this time they took three months of payments out and applied this to principal, thus putting me late for the current month 's payment. At the end of XXXX years I had a ream of notes and NO patience left with BOA. they had " misapplied '' every XXXX OVERPAYMENT on my part to their benefit. If they did this with my payments I know they were doing the same thing with everyone else 's thus resulting in some heavy interest on their side. After two or three years of constantly fighting with them about this issue, and NEVER being able to reach the same person to fix it, I told my husband that we had to pay it off in full or I was going to have a breakdown. We did pay it and I was so happy ... until we refinanced and our primary loan was sold to BOA. It seems that the " misapplication '' of funds has stopped ( I still pay more than the original loan so that the principal can be paid in an accelerated fashion ) but I check every month because I ca n't trust them to do the right thing. I hate BOA from the depths of my soul and if I had my way there would be many bankers in jail.
I have reached out to the company Merchants Association regarding a medical bill that is being reported to my credit report. The company first off started reporting on XXXX/XXXX/XXXX, which at the time they did not have a valid license to collect in the state of Florida. I called the original creditor and they stated account could not be paid with them because they no longer owned the account. I contacted Merchants and explained the situation of the bill they are reporting that I have yet to receive anything and they are reporting without a valid licenses which expired XXXX/XXXX/XXXX. I requested to have the information deleted and removed with any negative comments on my credit report. I was told that I will receive a return call in three business days. It 's now being two weeks with no return calls.
I have a second loan with Ocwen who referred my loan to a debt collector XXXX XXXX. I had been trying to do a short sale on my home because I can not afford to keep it and since the first loan is getting a complete pay off the representative from XXXX will NOT release my debt unless they too get paid in full. Ocwen has refused to talk to me and they keep on referring me back to XXXX. I have asked XXXX to show me proof of debt with them BUT they just keep on giving me the run around. Please help me move forward with the sale of a home that I can not keep and I do not want it to go into foreclosure. Ocwen # XXXX per XXXX customer service because OCWEN will NOT talk to me, XXXX ref. I.D # XXXX
XXXX XXXX in XXXX Texas is in Retaliation because l terminated my home and auto insurance and went with XXXX XXXX XXXX for both my home and auto. 
XXXX XXXX was cancelled on XX/XX/2015 because of insurance coverage on my home and car. 
My home and car was n't fully coverage and there was loopholes on my contract with XXXX XXXX. 
XXXX XXXX XXXX Agent XXXX XXXX XXXX in XXXX XXXX Texas educated me and fully implemented full coverage on both home and auto without no loopholes or overcharges. 
In due of respect to Farmers Insurance Agent XXXX XXXX that 's XXXX, she did n't look for my interest as a consumer and XXXX. 
I am on XXXX and Retired and on a fixed income. 
XXXX XXXX is also in Retaliation because l filed complaints against XXXX XXXX in XXXX Texas. 
I am protected under my XXXX XXXX act. 
I am not disrepecting XXXX XXXX but l had issues with them since l subscribe Home and Auto insurance starting XX/XX/2015.
On XX/XX/18 i used XXXX XXXX XXXX to send an emergency money transfer from NY to GA to a family member when the recipient went to get the transfer @ the Ria Authorized Agent no body spoke english @ said location & recipient was unable to collect the transfer @ which time i called Ria to cancel said transaction and have gotten the run around ever since then making numerous calls to Ria to resolve and no resolution to this point. The amount sent was {$490.00} plus a transfer fee of {$9.00} making it {$500.00} total
In XXXX of XXXX a fraudulent application for a loan was made with my personal information online. One main financial contacted me by phone to ask me to come into their office to fill our paperwork to complete the process. I informed them that I did not apply for a loan with them in XX/XX/XXXX. 

The person I spoke with said they would stop the loan process. They also informed me that I needed to send them a letter so they could delete the fraudulent inquiry from my credit report. I sent the letter to them in XX/XX/XXXX. 

They sent a letter back basically saying because it was an online application that they would not delete the inquiry. That makes no sense. I told them it was not me at the time this happened. My credit is suffering because of something I had nothing to do with. 

I am attaching my initial letter to them - their response letter - and a notice from XXXX where I alerted them that this was not me applying for the loan online.
I opened a loan with Springleaf financial in XXXX at the XXXX XXXX Branch on XXXX XXXX califonia the payments were XXXX for four years the loan was to mature on XX/XX/XXXX I made several late pmnts however their was period of time where payments got lost especially in XXXX when Springleaf sold to one main financial I had a gentleman XXXX XXXX re amortize and fix my loan and they said my loan would be paid in full XX/XX/XXXX as per the agreement In XX/XX/XXXX they told me the loan matured but I still owed XXXX because of all the payments going to interest I have tried to resolve and no luck They then forced me into my first 30 day delinquency in over a year by demanding I set up post dated checks when the date came and I needed to change the date by one day they wouldn't let me and instead forced me into a bounced check and fees and now they dinged my credit report I dint think I will ever get this loan paid off I have aid them XXXX as of date
My mortgage is currently being serviced by stearns lending. They presently charge you to make a payment online, and even when you are within the 15 day grace period, they are forcing a " one time draft fee '' of up to {$15.00}. This defeats the whole purpose of a " grace period ''. When one of their representatives called me on the XXXX of the month to harass me into making a payment over the phone, i informed him the fees they were charging were not waranted and that I would be filing a complaint.
To whom this may concern ; I would like to see if you may be able to remove the Wells Fargo account from my credit report and the negative history.

I had filed for divorce against my ex-husband. We had been separated and the car went to him due to the divorce judgement. But out of spite he had filed for bankruptcy. I attempted to resolved the situation differently so that he may give me the car and I take over it. He had vandalized the car and sent me pictures. I was advised by lawyer to give it to him and the judge had note this behavior and sentence him to a different judgement still affecting my credit. 

I would like to start my new life and move forward from anything involving my ex-husband. I deeply appreciate the help. 

I had called Wells Fargo several times in XXXX and XX/XX/XXXX trying to resolve the situation. When I had called again and I was directed to the bankruptcy agency and was told they would not do anything until the lawyer of the bankruptcy was involved. But because the lawyer was through my ex-husband. I was still not able to get anything done. 

I had attempted again XX/XX/XXXX. I had called again XX/XX/XXXX and faxed over paperwork as requested and again XX/XX/XXXX to follow up. There were no new results.