WillisBack/dataset-financial-user-claim huggingface dataset:
I have been wrongfully denied a loan modification by my mortgage servicer America 's Servicing Company / Wells Fargo because they claim that the alleged investor owner named XXXX XXXX XXXX XXXX will not Grant a loan modification to me a second second time within a five year period. However I have demanded legal proof that this investor actually owns the mortgage and provided them a fraudulent assignment of mortgage that was recorded against my property on XXXX XXXX XXXX buy a robo signer and fraudulent individual named XXXX XXXX XXXX a well-documented robo signer who claimed to be an assistant secretary for XXXX. The fact is XXXX XXXX XXXX XXXX has fraudulently claimed to be an owner of my mortgage when in fact the used fraud to make such a claim. I have attached a copy of the fraudulent assignment for your inspection. Secondly ASC / Wells Fargo failed to provide me any evidence or proof that the reason for denial is Justified or stipulated in any of my mortgage documents as they claim. I firmly believe that these entities are working in a conspiracy to steal my property and deny me the right to keep my home. Now they have a sale date scheduled for XXXX XXXX XXXX as an attempt to take my property even after I have proven that I do qualify for a loan modification once again and even after they have failed several times to meet my demand to prove that XXXX XXXX XXXX XXXX actually owns my mortgage without the fraudulent document recorded as an assignment of the deed of trust in XX/XX/XXXX.
On XX/XX/2018 I made a transfer from my bank of america application on my phone to my wedding photographer XXXX XXXX XXXX ' for the amount of {$2500.00}. 

I called to confirm the transfer which bank of america told me it went through to the XXXX account assoiciated with his number phone. I let XXXX know and he said there is nothing in his account nor anything is pending. 

I then contacted the bank again and they said it takes a few days for it to go through so I left it alone as I was on my honeymoon. After following up with XXXX there was still no money pending in his account. 

I then filed a investigation to see where the funds went. I got off the phone with them today XX/XX/2018 at XXXX and they told me that the person that has the funds will not release it back and that there is nothing I can do. 

I called bank of america and they are not willing to get my money back and simply told me there is nothing they can do and for me to take legal action. I have filed a IC3 report and will be going to file a police report also.
I started a identity theft dispute on XX/XX/XXXX with Equifax, XXXX and XXXX. XXXX and XXXX removed all collections and hard inquiries but Equifax did not, they allege that accounts has been verified. I received letters that accounts has been removed. I would like a full audit investigation showing each company provided supporting documentation stating that my accounts has been verified of I will be seeking a attorney and will sue Equifax
I SENT THE ALLEGED CREDITOR A LETTER TO ALLOW ME TO VILODATE THE INFORMATION REPORTING ON MY CREDIT REPORT BOTH THE ORIGINAL CREDITOR XXXX XXXX XXXX AND THE COLLECTION COMPANY FAILED TO PROVIDE ME WITH SUFFICENT PROOF OF THE ALLEGED ALLIGATIONS. THE LETTER THAT WAS SENT IS NOT PROF OF THE ALLEGED REPORTING INFORMATION. I CONTACTED THE CREDIT REPORTING COMPSNIES AND ALSO PROVIDED THEM WITH THE INSUFFIENT INFORMATION THAT WAS SENT TO ME. BUT YET THE CREDIT REPORTING AGENCIES CONTINUE TO VIOLATE MY CREDIT RIGHTS SAYING THE INFORMATION WAS VERIFIED, BUT YET THE CREDITOR OR THE COLLECTION COMPANY COULD NOT SEND ME OR PROVIDED ME WITH WHAT WAS REQUESTED IN MY LETTER OF VALIDATION. THIS RESPONSE ID NOT ACCEPTABLE NOR IS IT PROPER VALIDATION
On XX/XX/17 XXXX XXXX  EST Quicken Loans who provides loans online through rocket mortgage is ruining my credit when I was seeking a mortgage loan through them online. When applying for a loan, they did not state when they ran my credit that If you have had a foreclosure in the last 7 years they could only provide a FHA loan, which in my case, was not accepted by the seller on the house or acceptable by me. This ruined any chance on buying the home and now is ruining my credit in the process on the home I was looking looking to buy. I would have been better off with 90 % down and placing the rest on a personal loan since the amount was much less than the loan I was looking to get approved on. Quicken loans is causing my credit to fall with long term damages for getting a loan for a car in the future ETC ... .To me this is like a bait and switch attempt for quicken loans to provide mortgages to get people to use thier service. When sellers require that loans are not FHA Quicken Loans through Rocket Mortgage does not state it even if its the only loan they can get no matter what the damages are to thier clients. FHA loans require PMI or private mortgage insurance causing undue pain to those that seek a loan by increasing a monthly payment. From this simple credit check, this is causing me to believe that the mortgage crisis is still in full effect caused by the lending institutions and there is no accountability here and things need serious change in america which I will surely pass my experiences to my children.
I had disputed this alleged debt with the credit bureaus and the account was removed based off of the investigation. A couple weeks ago i got a call from this collector and the lady on the phone who was very rude stated that the account was back on my credit and that i should check my credit. Well i just checked it they have illegally put this account Back onto my credit. This is a violation of 15 USC 1681 i. I never got any letters stating that this account would be reinserted in my credit report. The collector has also been harassing me.
This debt is reporting falsely to my credit reports. After several requests for validation, it continues to be reported without being validated.
Account paid and closed but remains on my credit report. Even after I requested the items to be removed, the items remain and are damaging to my report.
In XXXX 2016 I turned in a leased car for a new lease.Acura Financial Services XXXX XXXX XXXX, Pa XXXX billed me for twelve months Massachusetts excise tax on the old car, and I unwittingly paid though I am only liable for one month
In its " Explanation of closure '' for Case number : XXXX dated XXXX/XXXX/2016 Experian Credit Reporting Agency stated : " On XXXX XXXX, 2016, the results summary was sent to you for review. '' In my Reply dated XXXX/XXXX/2016 I stated, " I checked the mail today ( XXXX/XXXX/2016 ) and still have yet to receive any documents in the mail, summary or otherwise, from Experian. 

As of today, XXXX/XXXX/2016, I have still not received the " results summary '' Experian said it sent on XXXX XXXX. To assist Experian in sending me the " results summary '' to my correct mailing address I provide that address here : XXXX XXXX XXXX XXXX, AZ XXXX
Someone is calling and theatining legal action and a warrant for my arrest, and will damage my credit.
XXXX XXXX XXXX XXXX of XXXX, IL - Services were used on XX/XX/XXXX when I had an XXXX. Claim was submitted through my insurance, XXXX. Claim was paid via my health spending account provider 's website, XXXX XXXX. XXXX XXXX shows that payment cleared XXXX XXXX 's bank on XX/XX/XXXX. 

I received a letter from a collection agency, Consumer Collection Management Inc.,  in XX/XX/XXXX. XXXX XXXX claimed that they never received payment for XX/XX/XXXX services. My health spending account provider, XXXX XXXX, shows payment cleared their bank on XX/XX/XXXX. Since XXXX, I've placed numerous calls to XXXX XXXX, Consumer Collection Management and XXXX XXXX trying to resolve the issue. 

On XX/XX/XXXX, I had XXXX where XXXX XXXX 's services were used again. At this point, I am still working with them to resolve the issue with the payment I made in XX/XX/XXXX. XXXX XXXX has not 'found ' the payment. In XXXX they 'found ' the payment owed from XX/XX/XXXX but applied part of it to the XX/XX/XXXX claim and part to the XX/XX/XXXX claim. 

By applying partial payment to the XX/XX/XXXX claim, this left me in collections for {$49.00}. When I called them about applying a XX/XX/XXXX payment to a XX/XX/XXXX claim, they admitted that they applied part of the XX/XX/XXXX payment to the XX/XX/XXXX service. This is quite interesting because a claim had not yet been submitted to XXXX for the XX/XX/XXXX charge. I wonder how they could possibly know how much to apply for the service when it had not gone through my insurance? 

I received an invoice for {$49.00} for XX/XX/XXXX services, but yet the charges still had not been submitted to XXXX. When I called XXXX XXXX, I was told to ignore the invoice. In the meantime, I am still waiting for them to submit a claim to XXXX  for XX/XX/XXXX services and I am still in collections for a claim that I paid within 30 days of the billing last year. 

I know this is a rambling, confusing ordeal but beware of XXXX XXXX 's accounting practices. My credit rating has gone from Excellent credit to just Good.
AES is incorrectly reporting XXXX student loan accounts as derogatory to XXXX and XXXX ( Claim Submitted with Government in XXXX XXXX for all XXXX ). I have attached credit reports from XXXX XXXX, XXXX and XXXX XXXX, XXXX. On XXXX XXXX, the XXXX accounts were included in Chapter XXXX Bankruptcy from XXXX XXXX. This reporting was correct, but I disputed it because the the reporting was scheduled to continue past XXXX XXXX, which was incorrect. On XXXX XXXX, the accounts were updated to read Claim Filed in Government in XXXX XXXX. This is grossly incorrect reporting.
A collection agency, Pro Collect, is trying to collect a debt that should not exist. 

In XXXX of 2012, I discontinued payment on a storage unit due to financial difficulties. Within a couple of weeks of non-payment, I received a notice from the storage facility that the locks would be cut and my items would be sold at auction. I received a prelien notice on XXXX, a lock cut notice on XXXX and a notice that my items were to be sold at auction on XXXX/XXXX/2012. With rent at the storage costing $ XXXX/mo, the items sold at auction should have well covered the month of rent that was due. 

It has been 3 years since I have heard anything about the storage unit. Now, 3 years later, Pro Collect, a collection agency, is trying to collect {$6800.00} in back rent on the storage unit. This is outrageous and a complete scam!
XXXX XXXX XXXX {$9700.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX I was the cosignor on this account to help someone obtain a vehicle. The vehicle was repossessed. The primary signee tried to make attempts to get low payments the company refused.
Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence. 
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards.
I had ( 2 ) loans that were transferred to XXXX a few years ago. They are paid in full but reporting as late during the period I was in school. I've paid them in full and do not understand why they are reporting as late so many years ago when I was in school
I have been cheated by Wells Fargo! They were to set me up on an interest free payment plan, and I trusted them to do that. However, they set me up on a payment plan that took me way beyond the interest free date and even though I paid more than was required each month, I 'm now stuck paying almost {$300.00} in interest, as well. Wells Fargo really sucks! I will avoid doing business with them in the future.
Can you tell me if I need to write a letter to my bank to request the PMI payments no longer be required? I passed the Scheduled XXXX % LTV Date on XXXX/XXXX/2014, however they are still billing me for PMI premiums in my mortgage payments.
This company continues to report an unauthorized account. Ive sent debt validation letters, Ive disputed this and somehow this account is continually verified as accurate. The only thing Ive recieved from these people is a photocopied bill. Nothing with a signature, nothing that shows proof that I own this debt. I want this unverified account removed from both my XXXX  and XXXX report.
I recently applied for a loan for {$400.00} on XXXX/XXXX/2017 and was approved and the money was deposited into my account on XXXX/XXXX/2017. I was not aware of the high interest rate APR:666.7 and the fact that I would be paying so much more money back for {$400.00}. ( 13 payments ). I have reached out to the this company but I did not receive any help.
XX/XX/XXXX, I was in the XXXX XXXX XXXX and a girl sent me a check for her security deposit. However, she sent over {$3000.00} and claimed it was also for her leasing car. So I transferred {$1800.00} since my balance was showing the authorized transaction of {$3000.00} already. However, after 12 hours, I looked back, the bank revoked my check, and I lost that amount of money that I transferred. The bank here is Wells Fargo. However, I believe the situation is universal to all banks. They will deposit your check right away, and scammers use this way to try to make you transfer the money before the check got bumped out. And Wells Fargo did not try to help me since it was my act to transfer the amount. However, the check was cleared on their system, only after then I transfer the money. This is a flaw that should not be in the banking system at all.
Phone listed is XXXX and XXXX XXXX XXXX XXXX XXXX XXXX For the past year, I have received this call. Robot call for phantom debt. All my debts except student loans were discharged in bankruptcy in XXXX. My student are on a income base payment. Since I live in a Democratic state, I believe it is attempt of Obama supporters and federal employees loyal to him and his policies to maintain power. I have known they are willing to discredit anyone with lies. For example, I was not able to receive my XXXX payment until very recently from a application in XXXX during a Democrat presidential era. Another is they purposely claim I did not have the degrees for several jobs.
Capital One -XX/XX/XXXX {$400.00} PAID IN FULL, yet credit report shows " Account charged off {$400.00} written off ''.

Capital One - XX/XX/XXXX, {$350.00} PAID IN FULL. Credit report shows " Account charged off, {$500.00} written off '', which is completely false! The account was paid and {$500.00} was not the balance and was NOT written off!

Kohls/Capone - XX/XX/XXXX, {$450.00} PAID IN FULL. Credit report shows " Paid, Closed, {$450.00} written off '' XXXX XXXX - XX/XX/XXXX, {$160.00} PAID IN FULL. Credit report shows " Collection account. {$160.00} past due ''
In XXXX 2016 XXXX XXXX closed all my checking and savings accounts and credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts, security freezes on each of my credit reports : XXXX, Equifax and XXXX.
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I have called each credit bureau, submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail.
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Requested Action : Please contact each of the credit bureaus to remove ALL fraud alerts and security freeze notices so that my XXXX XXXX can get credit information for my ready reserve applications. My XXXX XXXX has applied five times and can not get credit information to approve my application for new reserve accounts.
Hello I went to get a personal loan so I can help with my mom 's meds and I was denied by the bank I've been with for 11 years. I got a copy of my credit report and there so items on there that are not mine. Please have these taken off my credit. I have already contact the FTC and the police Department. I am doing this on my own behalf. 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 AND XXXX XXXX.
Coinbase is a online stock trading application, that evolves around etherum, lite coin, and bitcoin trading. I deposited about {$320.00} Onto the website to buy bitcoin currency. The currency once purchased, I withdrew to put the amount I earned into the companies holding account to deposit into my bank account. The amount on that account was a residual {$300.00}. So I have lost about {$17.00}. The amount I had for bitcoin was {$2.00}, etherum was {$.00}, and litecoin was {$.00}. I have emailed the company around 25 times within the past 2 months to return the valued currency to my bank account after 5 failed attempts of the company sending verification charges to my banks savings and checking accounts. The frustrating part was, each email sent was ignored, and every phone call they received from me, was immiedietely sent back to the prerecording message stating to further get in contact with them, submit a request and send them an email online. With the end of the second month of no reply, my account apparently glitched up and lost all the currency held upon it. I signed into the account, and it told me that it didnt recognize my device. So I changed the password to the account, reauthorized my phone with a sms code sent to my phone via text message, then it wanted me to repeat the process. That I did, and got a message stating to many login attempts. So I fell asleep, woke up the next day, and all the funds were gone. No funds in each currency, or even in the holding account. The main question I have, is if our funds are backed by the FDIC to fully show that our losses arent gone by just being in a holding account. Why is it that I couldnt fully withdraw all my funds from every currency, and withdraw all the funds from my holding account, and deposit into my bank, but some random reason all my currency disapears within 2 hours. Seems fishy that the company is probably holding my funds without me knowing of the location. If more information is needed, I can provide bank statements of the deposits, and that no money being sent to my account. I only use XXXX and bank. But my bank is still not authorized with their company.
I sent XXXX, Transuninon, and XXXX a debt validation request several times about two accounts. Those accounts are XXXX XXXX and XXXX XXXX XXXX. I have informed this credit reporting agency that I do not have any knowledge of those accounts and I have asked for them to send me written agreements from these companies because this is not my debt. I recently tried to dispute these accounts again and XXXX, Transunion, and XXXX  responded that they are not going to re-investigate my dispute. As a consumer, I do not think that is fair for credit reporting agencies to report inaccurate information. Items contained in a person 's credit report has an affect on housing, employment, and any other personal needs. I have been disputing these accounts every 30 days starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more recently in XXXX. I sent these request for investigations on these accounts using certified mail and to date, I have not gotten anything to show that this debt belongs to me for these accounts.
In XX/XX/XXXX ( I believe XX/XX/XXXX ) while paying my balance over the phone on my American Express card I was solicited for the American Express Premier Rewards card. I was told at the time that after meeting certain criteria I would get XXXX points worth, among other possibilities, a {$250.00} credit on my credit card account. I signed up. I later received the XX/XX/XXXX Membership Rewards Program Terms and Conditions. Nothing in the terms and conditions contradicted what I was originally told concerning the {$250.00} credit. After meeting the criteria and several calls to American Express, I was awarded the XXXX points. When I tried to apply the points to a credit I was told the credit would only be {$140.00}. That the ratio was XXXX points/dollar. I explained that the ratio of XXXX points/dollar was not what I was originally told and an investigation was opened, # XXXX. At the conclusion of the investigation I was basically told that the conversion rate was XXXX points/dollar. I explained again what I was originally told to no avail. I asked if they had pulled the recording from when I was first solicited the credit card and they said they had n't. I asked if I could get a copy of the recording and they said I have to get a subpoena. 
After signing up with American Express under a certain verbal contract, they then did not honor that contract. When I asked for an investigation, they did little. I would like American Express to honor what I was told when they were originally selling me their card and apply any credits to my account at the ration of XXXX points/dollar. This would include not only the initial XXXX points but also any additional points earned while using the card. The ration of XXXX points/dollar should apply to points earned through purchases because when I made purchases, part of my decision of which of my credit cards to use was based on the ration I was originally told by American Express. Had I known the ration was XXXX points/dollar I would not have used their card. Infact, I have stopped using it.
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that XXXX XXXX has submitted to all three major credit bureaus ( XXXX, XXXX, TransUnion ), XXXX XXXX, and potentially other credit reporting agencies. In the past, I have disputed and requested " verification of debt/records '' from XXXX XXXX and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws. The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the XXXX XXXX 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though XXXX XXXX has ignored my requests - and violated consumer protection laws. To help resolve the situation, I am requesting that XXXX XXXX provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that XXXX XXXX has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A  summary of the communications XXXX XXXX has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken XXXX XXXX many months if not years to respond to simple letters and requests. Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.