WillisBack/dataset-financial-user-claim huggingface dataset:
OnXX/XX/XXXX, I responded to an email Quicken Loans to refinance my current mortgage. I have an existing mortgage with them and have been with them for the past few years. I was going in for XXXX  and wanted to consolidate some debt and possibly pay for the XXXX. We started communicating via email. On XX/XX/XXXX I stated via email that our home was worth between 260,00 and 280,000. On XX/XX/XXXX he emailed back the XXXX ARM details about the cards that would be paid off, the monthly payment, and stated we would need to bring some money to the table, but not stating what amount at that time. and of course asked if we were interested. Later on XX/XX/XXXX I reviewed the email again because in that quote there was a {$7500.00} rolled into the loan and I did not understand that. I also wanted to know if it would be possible to roll {$9800.00} into the loan because of the costs of the XXXX. I had also stated that I am not 100 % comfortable with an ARM. He responded onXX/XX/XXXX that {$7500.00} was going to be rolled in so there would be no money out of pocket and the only way he could make things work with the {$9800.00} was if the appraisal came back at XXXX. On XX/XX/XXXX my husband and I decided to go ahead, but then things changed when I saw the paperwork online. All of a sudden, we had to pay off several cards as of XX/XX/XXXX. This he said was because if we didn't do that, we would not qualify for the loan. I stated that I am not comfortable paying XXXX  dollars of credit cards in a month and then coming up with my mortgage payment to qualify for this loan. His resolution was getting his director of mortgage banking take a look at it on XX/XX/XXXX. He said they could work it out so we only had to bring {$500.00} to the table for closing. There was nothing stated as of XX/XX/XXXX that the appraisal had to be XXXX. We had agreed to go forward with the option of bringing {$500.00} to closing. We proceeded onXX/XX/XXXXwith providing the signatures and documents needed for the loan.

On XX/XX/XXXX the appraisal was done. On XX/XX/XXXX I was notified that our loan had been referred to a loan specialist consultant. Basically, the appraisal did not come back as high as the 290,00 that the original banker thought it would. On XXXX I spoke with this " specialist '' and realized they had built a loan around 290,000 ... when I had stated XXXX was the highest. I was quickly referred to A Resolution Advocate that put words into my mouth and clearly did not read the emails because she stated she was sorry for poor communication and wasting my time, but she would mail me a coupon on XX/XX/XXXX. The numbers were falsified so they could con us getting into a loan and take our money. It was a waste of time and a coupon is not going to fix it. I was lied to and led to believe this was something that could happen when they drummed up numbers. I knew our property was only worth XXXX  ... .the appraisal came back at XXXX ... I NEVER asked to have a loan drummed up with the appraisal value of XXXX.
Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX 2017, Lien Notices are required to be removed from Personal Credit Reports.The change by Equifax, XXXX and XXXX which took effect XX/XX/XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked Equifax, XXXX and XXXX, to remove these notations -- from my Credit reports -- theses notations are still there.
I have submitted numerous disputes ( online, over the phone, at least 5 times in the year of XXXX ), most recently XX/XX/XXXX ( via 609 letters ) regarding inaccurate information on my credit reports. Through these letters I have asked for proper documentation validating debts owed and have received nothing. When I've called, most recently XXXX, XXXX, and XX/XX/XXXX, to inquire about whom received this information in order to validate it, the supervisors informed me that they simply do not know and don't have access to that information. 

Under the Fair Credit Reporting Act 15 USC 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of my requests concerning the accounts that are being reported in my credit report. While i have received a credit report stating these accounts are verified, i have YET to receive documents supporting such debt.
For one year I have requested information and answers only to be talked down to, humiliated, degraded, and then told that the office of the president at Wells Fargo no longer handles assisting borrowers with saving there homes, the modification process and financials you would need to contact a different department. My question is, why for the 1 year that I asked for a modification package, short sale or deed in lieu package was I NEVER TOLD THEY DIDNT HANDLE until after the fact. Maybe if I knew this I would have sent the information in 8 months ago, maybe if I was told not to worry about the foreclosure because I was working with the XXXX I would have gotten ahold of someone else way back when. It was n't only about the other issues It has always been about saving my house!. XXXX states well I told you in my last letter we did n't handle it and where to fax, really you just got involved, what about the last person for 8 months that said nothing! I am sorry what have I been doing for one year, you wait until its in the last legs of foreclosure to say oh hey we do n't do that here. Wells Fargo and its employees have no empathy, no compassion and sadly make excuses and blame the borrower, they will continue to skirt around the issues and make homeowners continue to lose there homes. I am uploading the same financial package I have faxed over to Wells Fargo hoping it gets in the hands of someone who wants to help people. The rep 's do n't know our stories nor our situations, so passing judgement and making a person feel worse then they already do about there situation is sad. Also, for the title issue, its not resolved. Nor is anything else.
XXXX sent a money network card with {$1000.00} on the card. On Saturday XXXX XXXX, 2016 I received mail from Money Network stating to send in SS number and Id. I fax the information required and the hold still has not been released. XXXX also fax over document. The company is holding customer funds. and taking personal information from united state consumer. The hold was place on my account on XXXX XXXX, 2016.
Hello I filed Chapter XXXX Bankruptcy and was discharged. I requested several times Transunions report and reason why inquires have not been removed from my credit report bringing my score down. I went from a XXXX to XXXX???? why????? I am tired of the credit reporting agencies reporting incorrectly and not helping me as a consumer rebuilding my life! They have not responded and its been over 60 days. I am unsure why they ahve not fixed this matter.
I have received at least XXXX " home loan refinance opportunities '' from Bank of America, who holds my current mortgage. The latest letter is attached, both front and back pages. I believe the manner the refinancing option is presented in these letters is misleading, deceptive, and potentially illegal. 
The letter boldly emphasizes several times that I will save {$3000.00} per year. But this savings is not primarily due to a lower interest rate, it 's primarily due to the conversion of my current 20-year loan to a new 30-year loan. Yes, I would save the {$3000.00} per year for 20 years, and then I would owe an additional {$14000.00} per year for 10 years ( this risk is vaguely mentioned in a very-small-font footnote on the bottom of the back page ). I would basically pay about {$80000.00} more, while Bank of America pockets {$2800.00} in fees and costs. 
Bank of America has complete and full access to all details of my current mortgage and to all details of their proposed refinancing plan. They have the information to accurately and honestly present their refinancing opportunity. Instead they are willfully and intentionally choosing to present the offer in a dishonest and deceptive manner.
I asked for information about my account showing several debit cards that were issued on the account. U.S. Bank claims they can not tell me who 's names were on the cards with a joint account between my wife and I. I had XXXX she had XXXX. 

why so many and were they in my name or hers?
I have a dept on my Credit report which is not mine. I have spoke with the company a while ago and its still being reported. I do n't know what else to do but file a complaint.
Years ago, I had phone service with XXXX. While living in XXXX, my account was charged for bills incurred by someone in XXXX according to conversations I had with customer service. The issue was never rectified. XXXX reported that I owed {$440.00} ; which I dispute because I do not owe them. They reported it to the credit reporting agencies. I had disputed there, and they did not to change it citing that the account was in my name. It sat for years in my credit report, and I could not get it removed. My score just went down 11 points because XXXX just reported the account as a new account again as they have done in the past. This is deceptive. Please see attached. I got the alert from Experian yesterday. Had I not have this credit monitoring account with Experian, I would not even be aware. Please help me.
An individual claiming to be " XXXX XXXX '' called my home voicemail saying he was an " independent process server. '' He claimed that there is a case against a person who is not me ( XXXX XXXX ) and he was calling to serve papers. He had a whole script about how he would show up at the home of XXXX XXXX and then go to her work to serve the papers. He left a case number. I am a paralegal, so I looked up to see if there was a debt collection case against XXXX XXXX in XXXX XXXX XXXX, XXXX. There is n't. There also is no process server in XXXX named " XXXX XXXX. '' I contacted this company at the phone number they left ( XXXX ). I asked the name of the company that called and a rude individual told me that it was called " ADR '' in XXXX, XXXX, but would not further identify himself or his employer. I told him about the voicemail, that I was not XXXX XXXX and did not know XXXX XXXX. I also told him that " XXXX XXXX '' was not a process server in XXXX and that there is no case against XXXX XXXX in XXXX XXXX County, XXXX. He told me that I must know everything and hung up on me. 

This company is calling people claiming to be process servers in XXXX and they clearly are not.
Since XXXX I have been trying to work with this company on removing and verifying my Identity and signature as I never had any goods or service from them and the account or service provided was due to Identity Theft. I provided the company with a copy of the Police report, Identity Theft report, My Driver 's License and Social Security Card as they request only for the company to update the information with my current information provided to them as they did n't originally have this information but sent a response back to the credit bureau as being a valid account and added additional charges to the outstanding fraudulent balance. Updated Credit Report with ( Acct INFO Disputed by Consumer : Placed For Collection ) Even though they have the Police Report, Identity theft Report and an valid Id Showing my address for the last 6 years along with a company of my social security card.
GRLoans runs a commercial that advertises an interest rate of XXXX apr. However, the ad never states the term for the advertised rate. This practice need to stop. It is unfair to every other lender in the nation.
This company is very crooked. I am a XXXX for someone and this company closed my account as soon as my direct deposit hits the account. ROUTING ) # : XXXX ACCOUNT # : XXXX DIRECT DEPOSIT. causing my bills to be late and maybe a eviction. Thanks XXXX XXXX XXXX
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
they say I owe XXXX dollars from XXXX which I know they are lying because back then I woul have paid it so that tells me they are try ing to scam me. 
the name of collector is XXXX XXXX persons name is XXXX XXXX XXXX phone XXXX I think statute of limitations expired anyway I think they just got my info from another credit card the address they have listed did n't exist In XXXX
I have been trying to modify my mortgage with Ocwen Loan servicing for several years on and off. We claimed Chapter XXXX  bankruptcy back in XX/XX/XXXX, and have never been late or missed one payment on the bankruptcy plan. We did not include the mortgage in the Bankruptcy. During that period, I have had many issues with Ocwen. I had some times of late payments, but in the last two years have paid every single month. We received authorization from the court and my attorney to modify, and provided all the paperwork to Ocwen to allow them to modify the loan in XX/XX/XXXX.-The payments have not been tracked properly by them.-During several attempts to modify, they would put me on a pre-modification plan. They most recent was initiated in XX/XX/XXXX, I signed all the necessary paperwork, sent the paperwork via email, and also paper copy with the first payment one month earlier than due via priority mail and made every "trail modification payment" earlier than the due date. In XXXX, I received notice that all the sudden I was declined due to not signing a second document that they claim they sent me in XXXX. I am 100% sure that I never received that document. So now, at their mercy again, they are starting the whole thing over, sending a statement that I have to pay a balloon payment of over $8000, and saying I can try to modify again.- They took all the payments I made during the trail modification plan and reversed the dates and dated them all for XX/XX/XXXX, saying they are "Suspense" payment.- I called today, XX/XX/XXXX and had a schedule appointment with one of the relationship managers, and she said they had no record of the attorney allowing consent. When I pushed and said I mailed it , she said oh yes we do have it, I will have to send it to review and you can call back again. ( Every time I call I am on hold for several hours, yes hours)-They cut off my ability to pay online, so I was forced to mail the payment, because I know how they operate, I sent my payment prior to the due date via priority mail several times, so I had tracking. I have record that it got there prior to the due date multiple times and the payment was held well past the due date before they deposited it.-Every time I call there is a language barrier, and I have to repeat myself several times.They often disconnect me, and say that I will have to reschedule a call, sometimes not being for weeks away.- I have never had a conversation where I feel like I am being heard or clearly understood by them, it always a repeat of steps that always end up getting back to where I started with no resolve. I am aware that I am not alone with these issues with this company.
I already sold my house. Everything was good when we sold the house under short-sell option. The Green Tree Servicing LLC agree to sell the house under that short-sell agreement. Now suddenly they are asking me the money for that house which I already sold 2 years ago.
My wife received a phone call from the dealership where we purchased our truck XX/XX/XXXX. They said they noticed we had been making our payments on time and would like to see us and possibly see about new options. We drove to dealership the following weekend and only had plans to discuss these new options. The salesman kept trying to talk us into purchasing a new vehicle on top of the one we already have and also told us we could just purchase a new vehicle and let the one we have go back. My wife and I specifically told them we were not interested in buying a new truck and stated that several times while we were there. While we were there the manager sent my credit report to XXXX different bank and financing companies without my permission trying to get us approved for another loan, which I had stated I did not give permission too. This is affecting my credit report because I have to many inquiries, and we were going to refinance in the upcoming month or so. I contacted Equifax and they said I would have to contact each individual company. I contacted XXXX of the XXXX and they said they could not do anything because it was n't directly through them, that I would have to contact the dealership. I called the dealership and spoke with the man who pulled my report and he said there is no way he could contact credit bureau and let them know it was a mistake ( Equifax said the could send in a statement explaining it was a mistake and to remove the inquiry ). He continued to say in his XXXX years experience he has never heard of such a thing being done.
This complaint is against Sears MasterCard and the refusal of that company to remove an unauthorized and contested charge. 
Details : 1. On XXXX XXXX, XXXX I made the mistake of enrolling with a company called XXXX, headquartered in XXXX. 
2. The fee for a 2-year enrollment was {$290.00} and was paid for with the Sears MasterCard. 
3. The account number for this card is : XXXX. 
4. After enrollment with XXXX I received a " Paid Invoice '' document stating it is for " Membership ( 2 Years ) which is attached as an exhibit to this complaint. 
a. I believe this receipt was mailed to me using the US Postal Service. 
b. No other document was received. 
5. Nothing was received stating any of the " Terms and Conditions '' of membership especially as relates to cancellation or re-enrollment for any services. 
6. No notification was received from XXXX as to a yearly fee of {$99.00}. 
7. No communication was received from XXXX whatsoever. 
8. When I received my Sears MasterCard statement for XXXX, XXXX the amount of {$290.00} payable to XXXX was shown. ( See the pdf file attached which contains documentation related to this complaint. ) 9. The {$290.00} charge was not disputed as I had authorized its payment. 
10. The XXXX XXXX statement for the Sears MasterCard showed a charge of {$99.00}. 
11. The amount of {$99.00} on the XXXX XXXX statement was not authorized. 
12. I called Sears Account Inquiries at XXXX to dispute this charge and to advise this was not an authorized charge. 
13. XXXX made an unauthorized charge to this account. 
14. The XXXX XXXX statement from Sears MasterCard shows a {$99.00} credit to my account. 
15. The XXXX, XXXX statement from Sears MasterCard shows a {$99.00} debit to XXXX. 
16. Sears MasterCard sent a letter dated XXXX XXXX, XXXX advising they could not " ... .recover the funds on this charge ... '' for reasons stated. See the XXXX XXXX Sears MasterCard statement in the document submitted. 
17. Shortly after I received the XXXX XXXX, XXXX letter from Sears MasterCard I again called to protest this charge and to demand it be rescinded. I had not authorized this charge and was not notified that the {$99.00} would be charged to me unless I took action to stop the charge. 

The documents attached as a pdf file are those referenced in the narrative above. 
I repeat, the charge of {$99.00} assessed by XXXX was not, repeat not authorized and I demand it be removed permanently. 
This is the second time I have had great difficulty with Sears MasterCard refusing to remove unauthorized charges. 
Please see that Sears MasterCard credits my account for the {$99.00} and does so on a permanent basis.
The company has contacted my employer a total of XXXX times in the past 2 weeks. The company has NOT attempted to contact me at my personal residence or personal phone number. The company was alerted that he is calling a place of business and he should reach out via personal cellphone.
Dear Sir/Madam, I am writing to you regarding the money you are claiming payment for, on the above account. 

I am unable to repay the {$410.00} due to unforeseen circumstances. 

I can instead offer the total amount of {$100.00} which is 75 % or {$200.00} which is 50 % as a full and final settlement. 

If this is accepted, you agree that you or any associate company can take no further action against myself to enforce or collect this debt and that I will be released from all liability. 

Please also confirm that you will also mark my credit reference agency file to show that you have accepted the above amount as the full and final settlement and that the account is closed and paid. 

I am able to pay the amount I have offered within [ insert length of time within which you can pay ] once you have accepted my offer and I have received written agreement of this. 

Please confirm where to make payment to. 

Yours faithfully, XXXX XXXX XXXX
BBVA Compass is refusing to do an investigation for an ongoing dispute lasting several months. I have two unauthorized debits that I have brought to their attention that they are inwilling to investigate. I have been calling their customer service, fraud departments and have sent mail to their headquarters. Now they are claiming that I waited too late so I can not ask for a refund. If they actually investigated when I brought it to their attention ... .it would have easily been within the timeframe. So I filed an ID theft affadavit and a police report so they could not deny seeing it. In case it seems hard to believe, this exact same thing has happened before. I had to file a police report and a cfpb complaint another time because BBVA went SIX YEARS without investigating.
I am an XXXX XXXX XXXX XXXX Member, and I believe I entered into a contract with Avant under false pretenses via XXXX. Avant either should not have lent to me, or I should have been offered the 12 % interest cap, XXXX the Virginia Usury Law 6.2-303. My account was opened in XX/XX/2015, I resided in the state of Virginia during the time the loan was opened. I am simply asking for my case to be reviewed for fair practice as it pertains to the interest and Virginia law, if an adjustment can be made it would be much appreciated. Ironically I found out about the Virginia Usury Law, as a result of the Virginia Attorney General auditing another account I had with a different loan company, and informing me that my interest would be decreased due to predatory lending practices of that company ( this was unknown to me until I was contacted by the state Attorney General ), hence the reason I am looking into my loan with XXXX, in addition this astronomical payment is causing a hardship on my family, due to military relocations and my husband 's loss of income.
XXXX XXXX XXXX added a collection to my credit file, for a debt I do not know belongs to me. They have failed to send me a 30 day right to dispute letter. I did not know this debt/collection existed until I checked my credit report. They are in violation of the 30 day right to dispute.
This company, USAA, claims to have the right to hold payments to my credit card balance for 7 days. Whenever I make a payment, they deduct it from my checking account and credit it to the balance on the credit card but the funds are not available for use for 7 days. It is the only credit card that I have that has this policy. Is this legal?
XXXX   XXXX   XXXX   XXXX   came on my  XXXX   XX/XX/XXXX  as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated  XXXX  (  XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called  XXXX  they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life.
 XXXX  ( National Credit Card/ Airlines Are on my   XXXX    XXXX . Dates are  XX/XX/XXXX  & XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.