WillisBack/dataset-financial-user-claim huggingface dataset:
I wanted to short sale this property and I called GMAC mortgage and they advise me that I would have to go late XXXX days on the mortgage to do a short sale. They put me info forclosure at the same time as the contract was submitted to them. I was n't in forclosure at all and I was XXXX days and not XXXX days. Doing exactly instructed by GMAC mortgage. This loan was closed by XXXX/XXXX/2012 and property listed for sale XXXX and contract was signed XXXX/XXXX/12 by seller and buyer. I have attached copies of documents. Showing this was never into forclosure.
Wednesday night XX/XX/18, I got an alert from XXXX XXXX saying that I had a new credit inquiry from Consumer Portfolio Services. I knew right away that I did not apply for credit or authorize that inquiry. I then submitted a dispute on XXXX, which is the bureau this inquiry appeared on.
Portfolio Recovery Associates, LLC attempting to collect debt on unverified account. Asked them for specific information concerning debt - and  a copy of a statement was shared,  XXXX   XXXX ,  2017  However, they remain in violation. I asked them to remove the unverified accounts listed below that remain on my credit report in violation o  f 15 U.S.C. 1681.
Asked to authenticate the documents the files that were used to verify the disputed accounts. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them?
Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
They 've ignored my request to provided me with the documents they in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA.
I had a car loan with First Niagra Bank. The loan was assumed by Key Bank and I received a letter from Key Bank dated XXXX XXXX, 2016, stating that as of XXXX XXXX, 2016 Key Bank would become the holder of my auto loan. 
I have made XXXX payments via phone to XXXX on this loan, on time and in accordance with the original terms and due date on the loan. Key Bank processed both payements and accepted my money. 
I was told on XXXX separate calls that I would be rfeceivign a statement in the mail within XXXXXXXX business days. I NEVER received anything from Key bank beyond the original letter mentioned above. I called once more, and was told that I do not get paper statements because I am set up for auto-pay. I can not log into the Key Bank online account access until I have an account number. I can not get an account nuber until I get a statement. XXXX calls, no answers. i believe this is the most incompetent bank I have ever encountered. 
need to register my car in Virginia ( having recently moved to Virginia ) and I am unable to do so until I have the loan acct inormation, which I can not get until I log into the online banking site, which I can not due until I receive my account number, which is on my statement, which I do not get because I am set up for auto-pay, which can not be collected because the bank where the payment is taken from has been closed. 
Worst Bank EVER!!!
On XX/XX/2016 a balance of {$13000.00} appeared on my Transunion Credit report. I am challenging Transunion to verify this account Per ( Section 609 Of The Fair Credit Reporting Act ) This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting.This section of the FRCA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation ( Whatever I filled out and signed upon opening the account with the reporting creditor.
I recently reached out to Wells Fargo, my bank for refinancing my loan. My current loan is with Wells Fargo. After indicating that I wanted to pull money from my equity to pay outstanding credit card accounts ( totaling $ XXXX ) to raise my credit score from XXXX to a higher number and reducing my outgoing expenditure, the loan officer assured me that with my income, this should be no problem. Did the appraisal, property was appraised at $ XXXX. Current loan is $ XXXX. They told me to contact all creditors and close the accounts so I can qualify for the line of credit as well as the refinance. Once I did all that, my credit score dropped by XXXX points standing at around XXXX. Now, they have denied my loan saying I do not have sufficient income to cover the cost. They should have checked all the supporting documents prior to approval process. The gross error was on their behalf. Now my credit score is very low to even apply for any loan due to closure of the credit cards, paid for appraisal that I can probably not get back. Please help. I can provide you with all communication, letters, documents indicating my loan was pre-approved. Thank you!
I have a checking account with USAA Savings Bank. There were a number of fraudulent charges on my checking account. All of which were done at various gas stations. once I discovered the charges I disputed them and receive a credit on my account for the charges, the amounts were {$91.00}, {$87.00}, {$74.00}, {$72.00}, {$69.00}, {$62.00}, {$60.00}, {$57.00}, {$32.00} and a {$29.00} NSF fee. All of those charges were made at gas stations. The credit for those charges was received on XX/XX/XXXX. The take back occurred on XX/XX/XXXX in the amount of {$360.00}. I received no explanation of why this occurred nor did I receive any information on where the amount came from. and as of today XX/XX/XXXX I still have no explanation of this debit take back. I explained to the representative that my vehicle only holds 12 gallons of gas and I do not use premium fuel, there is no way that my car will hold that much fuel. My issue with the bank is that no one can explain to my why this money was taken and they just keep telling me to allow two days. I have called them 5 times at this point and there is no resolution yet. They also have not given any valid reason for them to be taking money from my account either.
FBCS has placed a collection item on my XXXX credit report and done so without contacting me before-hand.I Just realized about the collection after getting an an alert on my credit bureau. 

I have no idea of the debt,
The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my Transunion XXXX and XXXX reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXX-Date Inquiry Date XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX XXXXInquiry XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX Name of Company XXXX XXXX XXXXXXXX I -Date AddedXXXX XXXX XXXXXXXX I XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Date Added- XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry DateXXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Date- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX- Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XXXX XXXX -Inquiry Added Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX
I recently deposited a check to USAA from a relative in the amount of {$5000.00} on XXXX XXXX, XXXX. My relative contacted me today XXXX XXXX, XXXX and said the funds have left her account, which would mean USAA is in possession of the funds. 

This makes no sense why USAA would put my money on hold until XXXX XXXX, XXXX other than to go spend and invest that money or do other profitable banking practices. 

This is unfair and unreasonable and I 'm requesting that the CFPB please investigate USAA and these practices. I am requesting that USAA please communicate in writing only and not by phone. 

Furthermore, the same relative tried to deposit the funds before writing this check via bank wire and it was turned away by USAA, which I also do not understand. 

I am a XXXX citizen and this is causing me a lot of XXXX and XXXX. I do n't know why I must spend so many countless hours trying to get USAA to stop putting holds on my deposits and then the semantic answers I get from their customer service. 

See attached screen shots of deposit holds and screenshot from relatives checking account which shows that funds have cleared and that USAA is alienating me and is conducting unfair banking practices.
I am writing this complaint against ASC/WFHM in response to the QWR violations coupled with the unfair, deceptive, and abusive acts and practices that I have experienced at the hands of the ASC/WFHM and their representatives. 

On XX/XX/XXXX, I submitted a qualified written request ( QWR ) asking for copies of my origination documentation to validate my debt as well as other documentation to include the transfer of my mortgage from one owner/servicer to another and ultimately, ASC/WFHM. I was shocked when I received a phone call from XXXX XXXX in the executive offices of WFHM on XX/XX/XXXX, refusing to comply with the QWR requirements set forth by RESPA ( see attached letter ). As if that was n't shocking enough that WFHM ( ASC ) refused to respond to my QWR, XXXX XXXX defended his decision by stating that WFHM ( ASC ) violated FDCPA laws by previously sending out a response to a similar inquiry back in XX/XX/XXXX containing approximately XXXX pages of confidential information to me - the XXXX pages included my name, address, social security number, loan application, mortgage deed and note, etc. - that was left out on my doorstep fro anyone to see and/or steal. I never received the alleged documentation from WFHM ( ASC ) and XXXX XXXX confirmed that it was sent to me without requiring signature and with confirmation from XXXX stating that it was left outside my home because no signature was required. I believe that I am now in jeopardy of someone stealing my identity due to the actions of WFHM ( ASC ) because they did not protect my confidential information and left it on my doorstep for anyone to steal. 

To add insult to injury, WFHM ( ASC ) slapped a sale date on my property while refusing to answer my QWR and then sent me the requested documentation finally XX/XX/XXXX, which I believe is a QWR violation of RESPA laws requiring QWRs to be confirmed in writing as received in XXXX days and answered in XXXX days. Why did WFHM ( ASC ) decide to send the QWR response now when they refused XX/XX/XXXX? Was it because I now have very little time to review XXXX pages of documentation before my scheduled sale date ... are they hiding something that they do not want me to find? 

I am in the process of submitting a RMA in an effort to retain my home and up against a sale date in just a couple weeks. Please hold WFHM ( ASC ) accountable for their actions and please allow me ample time to apply for mortgage assistance while I review the requested documentation to ensure that all federal laws were followed in the transfer of my mortgage loan on my primary residence and to address any predatory lending or toxic loan concerns. 

Thank you!
I recently refinanced my mortgage and I have been receiving several letters in the mail soliciting me to do another refinance. I received XXXX from United Military Mortgage LLC and it really concerns me. The letter states I can get a rate at 2.25 % ( XXXX ). In reading the reverse side of the letter I found out this was for a 3 year Hybrid ARM/Adjustable Rate Mortgage with XXXX discount points. No where on the front does it list the loan as a ARM and/or list any discount points. This is very deceptive advertising and I do not believe that this should be allowed. As well as this loan would refinance me into a 3 year ARM from the 30 year fixed rate mortgage at 3.25 % that I currently have. Being in the business I do not see how that would benefit my current situation or any borrower in a similar situation. I also do not think your average consumer would figure out that this was an ARM until they started working with the company or possible close their loan. With all the regulations out there today, I do not know why this kind of advertising is allowed. Company XXXX # XXXX
Not ever was permission granted or requested, to track, list, store, report, gather, or handle by any means any information with regard to XXXX XXXX XXXX. If any documentation exists that shows any such permission has been granted or otherwise authorized, let it be stated : under false pretenses and without full disclosure were these contracts acquired. 
Furthermore, with regard to statements made by creditors or government agencies of all type, that claim liability and or levy against XXXX XXXX XXXX, let it be as stated : these are all in violation of public policy as XXXX XXXX XXXX is exempt from levy ; XXXX XXXX XXXXXXXX XXXX XXXX.
The company called me numerous of times about a debt that was owed to a collection agency, in which was resolved in the year ( 2014 ). My lawyer submitted the check to the company and now, I 'm being harassed by the collection agency. They mentioned that it was never made. I contacted my lawyer and he sent me information regarding the payment that was made to the Ambulatory service. I went ahead and submitted the payment before I was sent the info from the lawyer just to get them off of my back and to somewhat protect my credit standing. Even though I sent them the actual proof, they still say that it was for another ambulatory service for around the same year. I mentioned to them, I was only involved in one accident in that year and that has got to be the one and only accident that you are referring to! They became troublesome, defensive and did n't want to hear what I had to say even though I submitted proof! I asked them for a refund for the amount that was paid and they argued the fact that it was not the same account?!! I 'm asking for a reason why they would collect more money from me even though it was already submitted by the attorney with proof!?
I spoke with representative on XXXX XXXX, XXXX regarding a debt that showed up on my rental report. I requested a letter of deletion as this debt is invalid. Representative stated that company claims last months rent was reported as unpaid and additional fees were assessed, totaling the debt amount. Representative recommended sending in supporting documents such as bank statement showing receipt of rent payment. According to FDCPA, debt collectors are required to provide proof of debt, in which I have not received. I explained to the representative that I sent in a written dispute in XXXX XXXX, in which the judgement ( Docket # XXXX ), as well as collection, connected to the debt were permanently removed from all credit reports. Representative confirmed that account has been disputed online and via a third party agency, yet no debt validation has been received. Debt collectors are required to send a written debt validation letter within five days of the initial dispute, which in this case was XXXX XXXX. Given that the debt has not been validated, nor has it been proven that any debt is owed I am demanding that National Credit Systems permanently removes account # XXXX from rental report, and verify that no further collection efforts will be made.
My credit score dropped, and I was denied credit, as a result, because American Express reported late payments and charges, incorrectly. They had continued to place monthly charges on a cancelled credit card. They have now acknowledged their error, and ttheir most recent submission to the credit agencies should reflect that my account has been current.
Still waiting on the alleged " bill '' to XXXX XXXX Crafters or whatever subsequent name it operated under when it suspiciously wrote an unsigned work order - 2 years after any work was completed on my car. 

I say again, there is no debt that has not been fabricated by you and/or your client in violation of multiple consumer protection laws. 

See below for the Fair Debt Collections Practices Act that you are in violation of : XXXX. Unfair practices [ XXXX XXXX XXXX ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 


XXXX, There is no balance. There is no authorization for work, no signed order, nothing which evidences any overdue monetary obligation to your client from me in 2010 - authorization was never sought or given for the part repair in question. Hence, there is no figurative leg for you to move forward on. 

To continue to insist upon payment for unauthorized work and otherwise harass me is proximate to fraud. 

As to the subsequently approved work from my insurer : Attached is a fax from XXXX XXXX confirming that payment in full has now been sent to your client for all approved work performed on my car. I now consider this matter resolved. 

As I indicated in my previous e-mail, I did not authorize your client to perform any work on my car that was not covered by my insurer, XXXX XXXX. Moreover, your client failed to notify me prior to beginning work on my car that XXXX XXXX would not cover certain work performed by your client on my car. Had your client informed me that certain proposed work would not be covered by XXXX XXXX, I would have made an informed decision, maybe taken my car to another shop. Instead, your client said " I 'll take care of it '' and began work, which I am now informed ( three years later ) included work not covered by XXXX XXXX. 

You are hereby notified that any efforts by you or your client to collect for any unauthorized work performed on my car is unlawful and would subject you and your client to civil penalties, punitive damages and attorney 's fees and costs pursuant to the California Fair Debt Collection Practices Act, Unfair Business Practices and Unfair Competition Act, and the Fair Debt Collection Practices Act. XXXX. XXXX XXXX. section XXXX, et seq. ; XXXX. Bus. XXXX XXXX section XXXX, et seq ; XXXX XXXX. XXXX, et seq. You are further notified that having purposefully availed yourself to the jurisdiction of California, you would be subject to civil suit in California along with your client. 

Thanks,
I took out a private loan through Wells Fargo during my last year of college in 2009. Both my parents had been laid off during the recession and were unable to contribute to my education. I just wanted to finish school. I have been making payments on this loan consistently since then but have barely made a dent in paying off the loan because of the lender 's online banking practices. 

When I took out the loan I opted to make online payments. However, the online option for payment through Wells Fargo does not allow borrowers to pay above the minimum on a loan unless they intend to pay off a loan in full. 

Once I accidentally paid my bill two times in one month and was told by a customer representative that Wells Fargo would not allow me to make a payment in XXXX of that year because they do not allow debtors to make more than twelve payments in one year. 

I would like to pay my loans off more quickly and accrue less interest but I am unable to do so as Wells Fargo will not accept a payment above the minimum or an additional payment. This practice is clearly intended to keep individuals like myself in debt for as long as possible.
In the middle of XXXX I requested a loan modification, due to getting hurt on the Job and I started to receiving XXXX benefits. I went through the trail period and successfully completed. According to Quicken loans I was late for the Month of XXXX XXXX and XXXX XXXX. Which was not true, They instructed me NOT to pay for those two months, and the proof are in the recordings. Please instruct Quicken and Loans to please provide all phone recording from XXXX XXXX to XXXX.