WillisBack/dataset-financial-user-claim huggingface dataset:
Was promised by Wells Fargo that I qualified for 10.1 % downpayment on jumbo loan. In fact, I received a pre-approval stating as much. I shopped around at other banks and those required a 15 % downpayment, so I chose Wells Fargo. About one week after the offer had been accepted, WF stated that the downpayment would need to be 20 %. Needless to say, on a sales price of {$900000.00}, this made a huge difference and because of the post-cash liquidity requirements we were forced to make withdrawals from our IRA in order to keep the deal. In the ultra competitive real estate market in XXXX, I could not stop the accelerated close process and switch to another bank. WF could never give me a good reason why I no longer qualified for the 10.1 % downpayment, but blamed it on the underwriters. I heard of the exact same situation happening to an acquaintance of mine in Indiana. I believe WF knew we had the retirement assets at our disposal and changed the downpayment after we selected them. I also believe this is a typical practice by WF and is typical of their shady practices when promising XXXX thing and delivering another.
I have attempted to resolve this matter with this company several times. My car was hit in front of my house and it was a total loss. The car was paid off by the other party who hit my car and I also had insurance on the loan so when everything was finalized the loan should have been paid off in full and I was told that it was. I continued to receive a demand for payment and I do not owe this company. I have asked for a full accounting of the loan and how the loan was processed after the accident and they have failed to provide that to me but they want me to pay them something I do not owe
I filed complaint # XXXX. Nationstar Mortgage was a part of the complaint. The Company answered backed on the complaint stating they were unable to locate the account in question. The account number in question is XXXX should n't have been a problem to find the account that referred to me, especially since Nationstar transferred a check out of my name and refuse to return it to me. They had me to endorse it and had me under the impression that they would be sending it back to me to make repairs on my home. The check was never sent to me. I also have other documents showing an account was in effect with Nationstar.
as my statements on my account show. The bank has been charging me processing fee, after processing fee. Dispersing money constantly from my account. Week after week. I have been stressed over the matter. And would like something to be done about it. Requested that they put a stop on overdraft fees. and they still continued to overdraw me. I felt as if they have stolen money from me. Purposely.
hello, my name is XXXX XXXX, I have a loan with XXXX, XXXX XXXX who is the lender, and, Select profolio is the servicer. I have reached out to XXXX in the past and I was told they no longer service my loan, however I should reach out to Select portfolio, when I reached out to Select profolio, they told me that XXXX XXXX is the lender. I need to know who the lender is on my loan and how I can reach them.
I am customer with Coinbase and have been with them for about 4 months now. I never had any problem with them until I try to log onto their website from XXXX, XXXX. I did NOT do any transaction just tried to log on to check current price levels. Coinbase immediately locked my account and has not responded to my many emails, opening of support tickets etc ....
On XX/XX/XXXX I filed a complaint XXXX I contested collections under California state code for statue of limitations of 4 years a company response on XX/XX/XXXX PRA agreed to honor my cease and desest all calls and collections and communications to account XXXX on XX/XX/XXXX I received another communication of harrassment from Portfolio Recovery Associates of additional establishment of validity. I request that PRA be fined under state and federal laws and that I be comperstated for being harassed and for mental pain and distress on a senior citizen. amounts owed from XX/XX/XXXX is non collectable under Calidornia code as well as Federal codes. 
Thank You XXXX XXXX
bank of America issue me debit card with number, I was paying my bills with it, I got my wallet stolen at the lake, I call the bank an was issue a new card an anew number, XXXX came into my account on my first debit card number an took out XXXX which I did not owe that amount an I do not have a direct deposit with XXXX, how did the bank allow this on my new card number, i call a lawyer an he said that 's agood question I got some of my money back but XXXX took out a another month in a advanced payment an change my programming pkg, now I pay more for less tv, an XXXX told me on phone if I did n't give them the new code number on my debit card they would cut my service off, so I had to borrow money to get me thu till next payday, iam very upset with this bank an XXXX, i will be switching banks, merchants has more rights than me.
On XXXX XXXX I was informed that my credit card debt was {$45000.00}. On looking at my statement I am not aware of many of the transactions. Notwithstanding my credit axis limit for the card was {$25000.00}. Chase never alerted me that my account was going over the {$25000.00} limit. In the past Chase has alerted me if they were suspicious about a tentative transaction.
Mortgage company Shellpoint mortgage continues to refuse to send out monthly billing statements. On several occasions I have called and requested a statement and have not received one. Additionally, they do not show up to date information on previous payments, and I have noticed that principle payments that were made along with the finance charge were not displayed. When statements were sent they are mailed to me so late that by the time I sent the payment in they called me saying it was late. I told them that they send out the statements too late and to send them in a timely manner, they refused to help with this problem. As of XX/XX/XXXX I have yet to receive a statement from them, when I go on line the information for my statements is unavailable. I do not know that the principle payments that I have made for XX/XX/XXXX and XX/XX/XXXX are accurate. Therefore I am requesting a detailed report of all the principle payments I have made for XX/XX/XXXX and XX/XX/XXXX.  I further request that statements be mailed out to me in a timely manner.
XXXX XXXX XXXX, {$1000.00}. I initiated a {$1000.00} transfer through remitly, which was promised to be delivered to my XXXX bank account on XXXX of XXXX XXXX. I received numerous emails asking for SSN, passport copy and Driver 's license and even after providing that and following up with them more than 3 times through their customer service, the money was not transferred at all. Finally I had to cancel the transaction. Dealing with them has caused me frustration, time loss and opportunity loss, since I had to make this money available to my friend who was in need. On the other hand, the customer service representatives or the company 's system/people who approves the transaction was not even apologetic for their action/delay.
I am being charged for something I did n't get/make. I did not authorize anyone to make this charge from XXXX and I did not make it myself. I will not pay for this charge!!
ECMC IS WRONGFULLY REPORTING MY STUDENT LOANS ON MY CREDIT REPORT AND IS REFUSING TO CORRECT THE NEGATIVE STATUS. THESE ARE PAID IN FULL IN GOOD STANDING LOANS BUT REPORTING AS NEGATIVE AND MULTIPLE TIMES HURTING MY CREDIT IN A MAJOR WAY. MY NUMEROUS ATTEMPTS TO CONTACT ECMC WENT INGNORED AND THEY ARE CONTINUING TO WRONGFULLY AND NEGATIVELY REPORT THESE ACCOUNTS! 



1 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 2 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 3 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 4 ) ECMC Acct # : XXXX Credit Limit : XXXX XXXX XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00}
On or around XX/XX/XXXX I received a letter dated XX/XX/XXXX from Rent Recovery Solutions, LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX ph XXXX from XXXX XXXX. The letter stated they represent a company in which I used to rent from and that I had a debt of {$3000.00} Of course I immediately called and questioned the debt. I was given the I had a right to dispute but the dispute could take some time and the only way to avoid the negative hit to your credit would be to set up a payment arrangement. I was not buying it and said when must I do this by. I was given to the end of XXXX. I called back XX/XX/XXXX spoke to the same lady. I was actually going to make payments to avid my credit being hit while I disputed the claim. Well at that call I was told oops it looks like when you said you wanted to dispute it back on the inital call it sent you to the credit bureau. I was like what? how? you said I had options but now I have none. Well you can pay the debt and that will at least show a XXXX balance. I was like Im not paying for anything until I know what for and if its even mine. I pretty much hit a brick wall. I contacted several attorneys who advised me I had rights. I contacted credit experts who said for me to send a formal request for validation. I sent it certified along with a letter explaining why and what I was disputing along with a time line and the ladys name. They received it on XX/XX/XXXX and I still have not received a reply or and correspondence as of today XX/XX/XXXX. I dont know what to do. I have pictures and emails to prove that I owe nothing. However the collections says they do not accept pictures or anything only payments. I call invitations homes the original party and they wont let me dispute anything or even talk to anyone. Its like I am trapped and they are trying to force me to pay something I am not liable for without even providing me the necessary info to make a sound judgement call. NOW MY CREDIT IS HIT with a XXXX $ bad collection. Please Help! XXXX XXXX File # XXXX creditor : XXXX XXXX
Equifax did n't use proper security in order to protect my credit information from being stolen. I now have to spend {$10.00} dollars at every credit reporting agency to freeze my credit and because of my states laws {$12.00} dollars every time I unfreeze my credit report. I 've lost Time + Income due to this malfeasance, this is  something I have no power over.
It was XX/XX/XXXX that one of so call Citimorgage representative called and faxed congratulating me that, the HOME AFFORDABLE MODIFICATION PROGRAM that I had applied, has been approved. He said that, I have been approved for an interest rate of 2 % for the rest of the loan peroid, as long as I own my house. He said, all I need to do now is to make three ( 3 ) trail period payment plan, every month of {$1100.00} and at the end of the trial period, I will have to make additional payment of {$1100.00} for the closing cost. He said each payment however, goes towards my mortgage payment, therefore, I should concentrate making these three months trail payment. He said these payments can " only be received through XXXX or XXXX XXXX, which means that it 's only this ways I can send the money in, inother to fullfil the criteria and therefore, it is a different department that is handling this program. There and then, I started to wounder and suspect, if this is real or is this legitimate or Fraud Scam thing. He said they will forward every transation docs. papers to the office and my account will be updated by next Monday XX/XX/XXXX.
TransUnion is reporting on my credit report I have a state tax lien in XXXX XXXX XXXX in the amount of {$58000.00}. I have no affiliation with anything or anybody in XXXX XXXX. My other credit reports do not show such information. I live in XXXX.
My wife and I used to live in XXXX and we had XXXX cable for internet and TV services. Before we left XXXX back in XXXX 2014, we paid all the bills to include XXXX, utilities, and electricity because the house was being rented we dont want to leave any outstanding for the new tenant. Last week, we received a collection letter from CBHV ( Collection Bureau of the Hudson Valley, Inc ) Tel : ( XXXX ) XXXX or XXXX. Threating us to recover the fund. We talked we XXXX and they confirmed that we paid all our bills and had refund in our account in XXXX ( Ticket Ref : XXXX ). The collection company wo n't stop harrassing us until we paid the money to them when we tried to tell them that they need to get with XXXX because we did not owe any money to XXXX for previous srvices in XXXX. We want them to stop harrassing us and talking to XXXX to update the case which should have never gone into collection since we paid all our debts to XXXX before we moved out XXXX to live in XXXX on XXXX.
While attending XXXX XXXX College in XXXX, WI from XX/XX/XXXX- XX/XX/XXXX, I was coerced into signing loans without full disclosure. They would call me into the office and state " your papers are ready, just sign here. '' It was my first time going to college, I did not know what I was signing. They took out not only Federal Loans and Grants but some Private loans without my knowledge or consent. I am still feeling the effects of this as I am still paying back XXXX private loans they took out for me over 12 years ago. I am not sure what the interest rates were, but a {$3000.00} turned into a {$15000.00} loan after fees and interest. By using these deceptive practices, I was not given the opportunity to come up with an alternative to paying these astronomical interest rates and fees. I signed because they made it seem like they had my best interest in mind and if I wanted to graduate, this was my only option.
My name is XXXX XXXX XXXX, I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I'm also requesting for the following phone numbers to be removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Equifax is report that XXXX XXXX XXXX XXXX credit card accounts of mine were settled in XXXX. The accounts were settled in early XXXX. This is damaging my credit score. The accounts are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX ( This account is being reported twice ). The other XXXX agencies are reporting correctly.
Equifax claims they will tell me if I 'm affected provided I register and provide my last 6 of social security and name. Then they go on to not tell me whether I was affected by their data breach and say I need to check back in a week and they will not send me a reminder and it 's up to me to remember to come back to find out the answer I gave them my confidential information to find out. They wo n't even say they 'll tell me whether I 'm affected on that date either now and are saying I just need to enroll in their XXXX XXXX XXXX  program then whether I 'm affected or not.
Received a a fraud alert notice from credit monitoring service regarding a Hard Credit inquiry from " Syncb/XX/XX/XXXX '' that I did not authorize. I have credit fraud alerts to notify me of any activity.
I XXXX XXXX received a letter from XXXX XXXX dated XX/XX/18 stating that I owe them a debt of {$680.00}. 

Furthermore they are admitting that they bought the debt from another agency named XXXX XXXX. I have no knowledge of either of these companies and I'm positive that I don't have a contractual agreement with either of them to pay them any amount. 
I fully believe that this is not my account or is a case of mistaken identity. 
I also request full validation of the debt from XXXX XXXX. 

Either way I'd like this account immediately and permanently " deleted '' from any credit bureaus or reporting agencies as I am positive that my rights are being violated. 
Thanks.
This collection is being reported by  Fair Collections and Outsourcings on my wife and I 's credit report. This began as a fraudulent charged from its outset. My wife and I were ch arged by an apartment complex  (   XXXX   XXXX ,  XXXX , TX  )  {$170.00} for " cleaning and resurfacing '' after we left in late  XXXX   XXXX . When we left, the apartment as clean as it could be without actually hiring a cleaning service. The only cleaning that was n't done was dusting the top of the refrigerator because my wife could not reach that portion, and I was at work. We asked the apartment complex ( run by  XXXX   XXXX   ) t o provide proof as to why we owed this amount and they never did so. We also notified the complex that one of the countertops was not maintained properly before we moved in. We put in multiple maintenance requests that were never completed. After no proof was provided by the apartment complex, we refused to pay. After only one month of owing the reported balance, the apartment complex sent the amount to collections, held by  FCO , on  XXXX   XXXX ,  XXXX . After a few years of reporting to our credit, we decided to dispute the debt. FCO sent back a picture of the original bill stating the debt was verified but no actual proof as to why we owed that amount. We ended up settling the debt in  XXXX   XXXX , with the impression that the debt would just be cleared but it was n't, and we 'd like them to be removed from our credit report.
This is my second attempt to inform Equifax of my ID theft claim, there are reporting on my credit report that are due to fraud from XXXX XXXX which includes a judgment and collection reporting. I contacted XXXX XXXX and they have addressed it appropriately. I attached a letter they have sent me.
It appears Citibank is still up to it 's old dirty collection tricks. I used my Best buy credit card used issued by Citibank to make a purchase on XX/XX/XXXX the same day I was supposed to go on an XXXX trip. I discovered the same day that my SIM card would not fit the phone so I went to the trip without the phone. I came back to the US on XX/XX/XXXX and immediately returned the phone and placed an online order for the phone I truly wanted. The phone was shipped out on XX/XX/XXXX and I received on XX/XX/XXXX. In the meantime, Citibank had sent me a billing statement on XX/XX/XXXX for a bill due on XX/XX/XXXX. Since the phone was returned on XX/XX/XXXX, I did not owe them anything for XX/XX/XXXX. The next bill was generated on XX/XX/XXXX with a due date of XX/XX/XXXX. I have been getting phone calls morning, afternoon claiming my account was past due. I was told by the agent that the late fee they so loved to charge would be removed and he apologized the first time I spoke with someone but i keep getting calls as early XXXX and as late as XXXX. This company is terrible. You need to do something about them. While I do realize you have no real power I am lodging my formal compliant once again.
I use a app called XXXX XXXX in which I am able to get money daily for the work I do. They front the money to me and my account is automatically debited on my payday. The problem is my bank does n't send the info fast enough to active hours so that they know they were reimbursed.
On XX/XX/2018, my outstanding loan balance was {$650.00}. A payment of {$650.00} was due on XXXX XXXX and was received by PHH mortgage onXX/XX/XXXX. I  received a letter from PHH, dated XX/XX/XXXX, stating that a payment of {$700.00} was due by XX/XX/XXXX. I called PHH customer service and received the following additional information : 1 ) My payment from XX/XX/XXXX was not credited to my account because it was not received in the form of a certified payment ( wire transfer or bank check ) and did not cover the full amount of the loan which now included a Recording Fee. 
2 ) My payment from XX/XX/XXXX would be refunded to me after I paid the loan balance in full ( e.g. {$700.00} ). 
In response, I would provide the following : 1 ) I was never informed of and hold no correspondence from PHH prior to XX/XX/XXXX, including the original loan paperwork, indicating the amount of the Recording Fee nor of any requirement as to the form of the final payment. I was basically informed on XX/XX/XXXX what my payment amount due on XX/XX/XXXX was and because I didn't pay the correct amount they are still charging me interest on the loan. How can that be legal? 
2 ) If I had not made my regularly schedule loan payment as required by XX/XX/XXXX, I  would have been subject to an additional late payment fee. 
Given the procedures implemented by PHH to notify borrowers of these requirements after the maturity date of the loan it is impossible for the borrower not to incur additional interest charges and fees or to be required double remit their final payment.
My husband and I had credit cards through First National Bank of Omaha in XXXX and XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. I received a judgment from XXXX XXXX XXXX XXXX for my credit card stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to First National Bank of Omaha to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. My account has been garnished repeatedly as well as my children 's savings accounts because my name is on them.
Here is a brief summary of what has been going on. Ten years ago, my wife and I applied and got a Home Equity Line of Credit against a Mortgage Free Property. Without any pre-warning or notice of any nature, it ballooned. We continued to receive statements and paid on them for 1 1/2 years. We went to re-finance on another piece of property, only to find out the Equity had ballooned. We have now been trying to get a Loan Modification for 1 1/2 years, either trying to get it rolled into a Conventional Mortgage or some type of Modification. Bank of America keeps on declining our application with the same reason that they can not verify our employment, even though we have supplied them with whatever they have asked for. In the meantime, they have stopped sending us statements, refuse to take money against the loan and are sending our credit rating into the mud! There is a lot more to this. The phone calls, the meetings at the Bank, the many people we have talked to. The amount we are talking about to refinance is {$75000.00} Thank You
My client has been trying to lodge his Enduring Power of Attorney ( EPOA ) from XXXX to enable him to operate his wife 's XXXX Bank Account with Wells Fargo. His wife has XXXX XXXX and is unable to operate this account. After making a complaint through yourselves in XXXX 2015 ( Case Number XXXX ) Wells Fargo advised that the EPOA had been accepted, however when the second Attorney attended branches in both XXXX XXXX and XXXX, she was told that the EPOA does not comply with their rules and in fact they would need the original XXXX document ( which they have ).