WillisBack/dataset-financial-user-claim huggingface dataset:
I sold XXXX on coinbase.com and the bank transfer ( XXXX ) is still pending, it was on the XXXX of XXXX. 

Multiple people have the same problem, they just email you some generic response and nothing. It 's about XXXX XXXX, which I need to finance my house. 
Please help me.
I applied for a VA loan and the underwriter from AmCap Mortgage set a condition of my loan to provide medical documentation as proof of documentation as an extenuating circumstance of credit difficulties. Additionally, as a condition of the loan I was asked to provide documentation of upgrades done to my home that has been over 9 years past. Additionally, we have been asked to provide evidence of property listed as for sale or rented to support my military XXXX move in 2006, which is over 9 years ago. I beleive the underwriter is asking for obsolete and unatainable information as set conditions for a loan.
I had an account with XXXX that was late and sent to a collection company by the name of XXXX XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX, XXXX, MO XXXX. This account was hurting my credit report so I reached out to XXXX XXXX and requested that if I pay the account in full to have them send me a Pay for Delete letter to remove this account from my credit report. They told me I would have to contact XXXX for said letter. I spoke to XXXX and now they tell me I need to get that letter from the company I settled the debt with, which is XXXX XXXX. XXXX of these companies are lying and I believe it's XXXX XXXX because they purchased the debt and have rights to it which would give them the power to issue the deletion. I have receipt from them of the account paid in full and wish to have the account removed from my report immediately. The account was in my maiden name which is different from what is listed on my credit report.
XXXX XXXX HAS LIENED MY PROPERTY WITH JUDGMENT OF THE DEBT THAT WAS INCLUDED IN THE BK AND AFTER BK WAS DISCHARGED. MY NUMEROUS ATTEMPTS TO HAVE THEM REMOVE THIS LIEN WENT INGONED. NOW THAT I 'M SELLING MY HOUSE, TITLE COMPANY REQUESTED A LIEN RELEASE INSTEAD MIDLAND SENT THEM A PAY OFF DEMAND FOR {$8200.00} FOR THE DEBT THAT WAS INCLUDED AND DISCHARGED IN BK ( SEE ATTACHED PAY OFF DEMAND FROM MIDLAND ) WHO AKNOWLEDGED THE FACT OF BEING NOTIFIED OF MY BK HOWEVER, STILL DEMANDED TO BE PAID ON THIS DISCHARGED DEBT WHICH I FIND TO BE A VILATION OF FAIR DEBT COLLECTION PRACTICES ACT! TITLE COMPANY SENT IN THE CHECK BY MISTAKE BUT MIDLAND DID CASHED IT NOW IS REFUSING TO REFUND THE MONEY THEY ILLEGALLY COLLECTED IN FIRST PLACE. MIDLAND VIOLATED FAIR DEBT COLLECTION PRACTICES ACT AND US STATES BANKRUPCY CODE!
Bank of America has refused to no longer talk to me about the account they claim was mine and is not, and they have gone to such lengths to make me pay for an account that is not mine, that they kept changing the information and story until they sent a final letter claiming they refused to no longer respond. Now that I have finally gotten XXXX to look at a settlement agreement and showed the the person Bank of America claims received payment for their legal services in my settlement was not even on the agreement and I have no idea who this person is, they are now telling XXXX that they want to talk to me. Well they can contact me on here but I have already said everything I have to say, I will not pay for a debt someone else created and they are so many holes in Bank of Amercas story that who knows if the debt is even real or the amount is correct. Just like they sent me a notice, I have nothing further to say than remove your info from my credit report ASAP and admit you broke the law by trying to make me claim this debt on my taxes. On a side note, XXXX and XXXX   have already found issues in Bank of Americas claim and removed them on their own and have not allowed their info back on my report.
Checking Account reopened when I closed my account in person with a positive balance I closed my account in person at the XXXX, GA Branch with a positive balance in XX/XX/XXXX. I just moved and tried to open a new account only to see that Regions has reported by account as overdrawn by {$170.00} and reported my account to XXXX in XX/XX/XXXX. I had filed numerous complaints against Regions bank using XXXX. The latest was complaint XXXX. The business provided false documentations about me stating that I never requested my account be close. Here is my response " I received a response from a Branch Manager of a Branch I have never used before. I requested a response from Corporate Resolution, not a Branch Manager. In the response, the Branch Manager provided false information pertaining to my account and about when I closed my account. I will upload their response, so their response will be public record with XXXX on how they manipulate data to fit their agenda. No rebuttal is required from business regarding this XXXX complaint, as I have filed a investigation with the FDIC and XXXX. In addition, since I filed Chapter XXXX in XXXX, Regions is in violation of my bankruptcy rights by filing a false claim with XXXX. '' Instead of Regions Corporate further looking into the complaint, they sent my account to collections. This account was closed with a positive balance with no transactions going through it in XX/XX/XXXX. I did this at their XXXX, GA Branch. They kept my account open without my consent or permission. regions refuses to show me the branch records that will indicate that I went into the branch to close the account.
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
The current holder of my Mortgage, Freedom Mortgage Company at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX NMLS ID : XXXX has failed to pay my Taxes out of the escrow account for the past 3years, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They had an incorrect TAX ID entered for my property and have been using my money to pay the TAX bill on a different property. XXXX county and the City of XXXX received this over payment and returned it to Freedom mortgage company, who now have no record of the returned payment. In XX/XX/XXXX I received notice of failure to pay XX/XX/XXXX property taxes from the city of XXXX. Upon calling the City of XXXX I found that they had not received payment for XX/XX/XXXX and XX/XX/XXXX and these tax leans had been sold of to a third party lean holder, XXXX XXXX. If XX/XX/XXXX taxes were not payed by XX/XX/XXXX they to would be sold off to the same lean holder. I called Freedom mortgage company In XXXX where they discovered the issue was their fault and they would get it fixed in 7 days. 30days after that call they still could not provide me with an update on the back taxes and the payment of XX/XX/XXXX 's taxes which were now due in 5days. I then paid the XX/XX/XXXX taxes and fees out of my pocket so that these would not be sold off again. I have called on a weekly basis since then, no one from management has ever called me back and the only people that can provide updates on the status are the TAX Department and the Escrow Department however you are not allowed to speak with them directly. On XX/XX/XXXX I sent to Freedom Mortgage company the payoff amount required by XXXX XXXX for the XX/XX/XXXX and XX/XX/XXXX tax Bills amounting to XXXX to release the Lean. I also sent the receipts for my personal payment of the XX/XX/XXXX taxes and fees amounting to XXXX. Every time that I call in they tell me that a resolution will be provided in 2 week ... At then end of may a note was placed on my account that payment was sent to XXXX county for XXXX dollars and I was called stating a refund was being sent out to me. XXXX county is not owed any money.and no one ever called me. They can not tell me exactly where or who they directed the XXXX county payment or its current status. They also do not show any payments being sent to me. Every 2weeks I call in and get a new Customer service person on the phone, restate my case, correct the miss information, resend receipts and am Told this has been escalated and I will receive a call in 7 days. There is never a call and the process repeats upon me calling in.
We have been requesting the removal of PMI since our mortgage reached 80 % of the original value of our Mortgage. When we began requesting the removal of PMI Weichert sent us a package explaining the options for which PMI was to be removed. We followed the instructions and ordered an appraisal of our home, through Weichert. The appraisal came back and they still denied the removal of PMI. At 78 % of the original mortgage Weichert did not automatically remove our pmi pursuant to the package they originally sent to us. In XX/XX/XXXX which is the date our original amortization table shows we would be at 78 % for automatic removal and they did not remove it and we requested removal again. This time we received a letter dated XX/XX/XXXX requesting we pay additional principal payment of {$540.00} to bring the principle to 70 % of the original loan and pay for an appraisal through Weichert to have PMI considered for cancellation. This is a direct contradiction to the previously received packet that states : " First Mortgages secured by 1 family principal residences / 2nd homes Earlier of [ 1 ]  the date that the mortgage balance is first scheduled to reach 78 % of the orginal value of the property ( lower of purchase price or appraised value ) or ( 2 ) the first day of the month after the date that is the mid-point of the mortgage amortization period. '' I tried to contact Weichert direct by phone on the provided letters on  XX/XX/XXXX and spoke a customer service representative named XXXX. I informed her the letter I received contradicted what we received previously and would like to speak with someone in PMI department. She said a letter date XX/XX/XXXX stating that our PMI was being terminated, I confirmed with her that was the case. I inquired about a refund for PMI payments made after automatic termination was supposed to take place and she said everything will be explained in the letter. On XX/XX/XXXX I received my mortgage statement for XXXX and I was surprised to see a charge for PMI. I did not call Weichert yet as XXXX stated a PMI termination letter was sent on XX/XX/XXXX. Today XX/XX/XXXX I received a letter dated XX/XX/XXXX stating to qualify for PMI cancellation at this time I may either pay XXXX to bring down my principal to 70 % of my original value and order an appraisal through Weichert. Weichert has violated the Homeowner 's Protection Act and I have done as much due diligence to have them comply. I have never missed a payment and there are no payments in arrears.
XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I phoned and tried online access with Equifax to try and freeze my credit report on both days. Both on the phone a number of times and by online access I 've given Equifax all my information and I am thrown off the call or the online form with the message that I can not freeze my account. I had no problem doing a freeze with either XXXX or XXXX.
On XXXX XXXX XXXX I received a BMO Harris Gift card. There was XXXX dollars on the card. Beginning XXXX XXXX, XXXX, BMO Harris began to reduce the balance by XXXX dollars a month. At this point I had XXXX dollars left on the card. I would like to get my XXXX dollars back.
I graduated from XXXX University 's accelerated XXXX program in XX/XX/2013and within 3 months my Navient ( formerly known as Sallie Mae ) private loans went into affect at a rate of {$1100.00}. As a new grad XXXX I hadn't even found a job yet and once I did find a job, my salary was not high enough to cover the loans with my additional expenses. I was able to put the loan into forbearance for a couple of months, until finding a job, but this added {$250.00} each month to my outstanding loan with interest rates as high as % 11. When I did find a job at XXXX as a XXXX working on a XXXX XXXX XXXX, my hourly wages were amongst some of the highest hospitals, at a rate of {$37.00} an hour. However, even at this hourly wage and working 36 hours a week I was not able to afford the {$1100.00} a month student loan as well as my federal student loans. I had to borrow money from friends and family each month just to make the minimum payments on my Navient loans. It has been 5 years and I continue to owe {$40000.00} on that loan, working as a XXXX and barely getting by. I had to move my entire family and life up to the XXXX XXXX just to find a higher paying XXXX job to make the minimum payments on the loan. It's not right that teachers can be pardoned from student loans considering they are public servants, but why not XXXX too? I am a slave to my student loans and I can not go back to get my XXXX XXXX XXXX as a way to provide better care to the community considering the financial limitations of the Navient loan with incredibly high interest rates.
So in XXXX I was in Florida on Vacation while someone used a fake debit card to withdraw {$800.00} from XXXX ATMs. XXXX which was a US Bank ATM. I contacted US Bank as soon as I saw this the Monday that I was back. From there they conducted an investigation that took until XX/XX/XXXX to tell me that I was denied. When I called them a lady who has never seen me in person handling my case told me that I was verified on film. So I gathered my plane ticket, as well as credit card statements proving that I was in Florida and not Nevada at the time of the incident and went to my local branch so that if their was video they could see it was n't me and I had documentation to show it could n't have been me. That was in XX/XX/XXXX where I asked them to reopen my case. From there I called about every other day with no response from my case processor until XXXX XXXX, 2016. She told me that it is on film and to contact metro if I had a further dispute. So I contacted metro, and filed a police report. At that time I learned that cards were being skimmed from the US Bank ATM 's in my area, which the bank failed to mention during their investigation. They also told me that because so much time had passed that they could n't do anything, but that XXXX people had been arrested. I do n't think it is fair that I am out {$800.00}, which is significant to a XXXX, when they were provided documentation that it could n't have been me. They also drug it out so that I could n't get help from the police either. I thought they would be investigating that they allowed someone to take out my money that I entrusted to them, from their ATM, using a fake card. At this point I feel that it is their responsibility to correct the problem and go after whoever they have on film that they allowed to take my money.
On XX/XX/2018, was informed that my checking account was overdrawn and charged {$35.00}, in the past I have been told by Bank of America that as long as I deposited cash by XXXX local time into the account on the day I was informed of the overdraft that I would have this fee refunded. I was told by representative XXXX on theXX/XX/XXXX that that is true, but he could not refund the fee. 
I did put {$300.00} into the account on the XXXX at XXXX XXXX. This put me in the black on the account
I was minsinformed by a BMW representative that my account was current on XX/XX/2015 Since the account was current I made my normal payment by the XXXX of that month. It turns out that BMW had an Issue posting a payment from the prior month and lied to me when they said everything was current in the month of XXXX. Since I thought everything was fine I made a payment on XXXX and XXXX on my regular due dates. I did not find out until after my XXXX payments that they had reported me late. The representatives at BMW have constantly given me misinformation about what the last day is to pay my payment is and when the daily cut off time is. I had another instance where I made my payment before the next payment was due and they still reported me late. This happened inXX/XX/2017 when  the BMW website was down and they were not able to take my payment as confirmed, even though the website said the payment was in process. I called and explained that I did not want to make a phone payment and an internet payment at which time the BMW representative said everything would be fine and thered be no late reporting. Again the rep lied and BMW financial services damaged my credit. This company has now recently adopted the policy of not being able to dispute anything, including this dispute, unless its by normal postal mail. This policy just changed about two months ago. Please help. This is hurting my credit all so that this company does not have to give lower rates to its loyal customers.
This is about a deceptive practice by Wells Fargo mortgage, and me and my wife are innocent victims in this matter. It is about real estate taxes which we used to pay for many years. Wells Fargo went ahead and paid item without my knowledge. Wells Fargo started an escrow account which caused my payment to increase from {$1600.00} to {$4500.00}. I gave them all options to work with me to rectify this situation, but since they don't have any local office any where in my area where I can go in person and talk to someone about it. I have been talking to different people over the phone, spending countless hours in trying to resolve this issue. I need the help of Cfpb to look into this matter as a mediator, and help us as we are both senior citizens. This is our home where we both want to end our journey peacefully. I have {$250000.00} of equity invested in my home. I feel I am being black mailed by Wells Fargo. I have all the documentation to explain the situation if you need further information.
I have an account with Care Credit ( Synchrony Bank ) for various XXXX related expenses. Their claim is pay within the stated time frame and there is no interest. I have XXXX separate promotional balances I am paying and all XXXX have different expiration dates ie, the date where no interest will be incurred if the balance is completely paid on that promotion. I received a statement last month stating a balance was due to expire ( ( {$540.00} ) and I sent {$300.00} expecting I would send another {$300.00} this month - pay off that balance and apply some money to another balance that is not due to expire until next year. Instead, they split my payment and applied only {$100.00} to the expiring balance making my payment this month {$430.00}. When I called them, I was told my payment would actually be {$430.00} plus {$210.00} ( the minimum balance ) to avoid interest charges on this particular promotion. This is outrageous and intentionally sets consumers up to 'fail ' so that they incur all these interest charges.
XXXX XXXX sold my loan to XXXX XXXX and added {$25000.00} to the loan after making a payment to them at the same time. Behind one payment. Only transferred half of the payment to XXXX XXXX and this was the beginning of my problems. This put me behind and had to make up the difference. My original purchase of this single family home was purchased for {$22000.00} on XX/XX/XXXX. After XXXX sold the loan after acquiring the mortgage from XXXX XXXX went bankrupted and added {$25000.00} which made the loan {$250.00}. We lived in this home for 7+ years and stated we were 381 days late with payments.. Payments began at $ XXXX a month, after the loan was sold, I was NOT allowed to refinance this loan using my XXXX. or VA benefits. The story is incredible and I have just found the right people to voice my concerns. Bottom-line was I had to do a Dead-in-Lieu to avoid Negative Credit Implications. The house was sold in XX/XX/XXXXand my family and I moved to XXXX AZ after during a deed-in-lieu to make a new start. I am a Veterans of 22 years service, XXXX XXXX and this issue has plague my mine for years and I truly need to try and recoup my funds that appears to have been stolen. I have the receipts for the payments as well which makes this unbelievable. XXXX XXXX did an audit as requested of the account and their documentation looks to be okay but confusing. I was in Bankruptcy during this same time of the transactions and all my funds were accounted for by the Courts why payments were still being paid at the time to XXXX XXXX and too much info to explain here. See attached documents to explain the documents received from XXXX XXXX.
This Debt was Charged of in XX/XX/XXXX with Citi. In XX/XX/XXXX it went to XXXX XXXX XXXX. They were sued by the FTC.One of the nation 's largest consumer debt buyers has agreed to pay a XXXX civil penalty to settle Federal Trade Commission charges that it made a range of misrepresentations when trying to collect old debts. In addition, the company, XXXX XXXX XXXX XXXX, has agreed to tell consumers whose debt may be too old to be legally enforceable that it will not sue to collect on that debt They still have on my credit report and increased the balance from the XXXX Charge off to XXXX.
There have been several hard inquiries that have shown on my credit report. I have not applied for anything in several months due to the fact I am trying to clear out my credit debts and raise my score to purchase a home this next year. There are companies that I don't even know who they are that are showing a hard inquiry on my account. My identity was stolen in 2016 and I now have to apply for a PIN every year to do my taxes. Please make sure these are removed as soon as possible. 

Thank you, XXXX XXXX
I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A  ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. 

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
I get close to paying debt off they take it to court tack on another 2000 in fees I will never get this paid off at this rate
I accumulated {$120000.00} in loans with Navient. What I was n't told was with a prior record from 7 years ago, I would not get a job with my degrees. I have applied and continue to be turned down. I contacted Navient and told them I had no job and the only thing I got was forbearance til XXXX of 2017. I have found employment making a little over XXXX and can barely pay my bills. I obtained my XXXX XXXX and XXXX thru the University XXXX. There is no way I can make the payments Navient calculated, yet alone any payments with what I am making.