WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I visited XXXX XXXX of XXXX XXXX, VA. I was softly in the market for a new car. I found a vehicle I was interested in, and a salesman pressured me into seeing if I could get approved for financing. I live on a fixed, SSI XXXX income so I was concerned about over-extending myself. They got me approved for financing, but I was still skeptical due to the high monthly payments. It was a Saturday, so the salesmen told me I could take the care home and see how I liked it. By Sunday morning, I knew this was something that I didn't want to do. First thing Monday morning ( the XXXX ), I returned the vehicle to XXXX XXXX. The manager and salesmen were very angry with me, and told me I had to take the car. I told them that I had the right of rescission, and was well within my rights to return the vehicle and change my mind. After all, because it was the weekend, the paperwork had not even been sent to the finance company yet. I left the vehicle at the dealership in their possession. I assumed the issue was resolved at that point. Over the next several days, I was overwhelmed with phone calls from reps at XXXX XXXX   saying that I had to come back to the dealership and pick up the car. I held steadfast, and told them that I had changed my mind, and did not want it. I had returned the car to the dealership within 36 hours and was well within my rights to do so. Again, I believe the issue to be resolved. To my surprise, the dealership actually delivered their car to my house on XX/XX/XXXX. I called the sheriff 's office about this, and asked them what I should do. They told me I should just take it back again, if I did not want it ; and that's what I did. I returned the vehicle again ( that same day ) and left it in their possession. Again, I thought the issue was resolved. Recently, I received a letter from a finance company called Santander talking about my interest rate on a car loan. I had no idea what this was about. I called them, and sure enough, this was for the car from XXXX XXXX. I explained the whole situation with the rep at the finance company, and they said they would make sure it was resolved. So despite returning the vehicle to the dealership before they even submitted the finance paperwork, and them knowing I did not want the car, the submitted the financing paperwork anyway. I can't believe the lengths that this dealership would go to try to force someone to buy a car they clearly did not want.
This is regardi ng Western Union : Money  for the amount of {$3900.00} withdrawn from my checking account without my authorization. There are  XXXX  transactions for the amount of {$990.00} appeared on  XXXX / XXXX / 2017 .  XXXX  of the transactions was reversed on  XXXX / XXXX / 2017 . All without my consent.     I have previously done business with this company, however, I did not authorize these transactions. Please note that I have shared my banking informatio n ( acco unt number /routing number ) and debit card information with this company in the past for money transfer purposes.     I did contact this company and they refused to refund the amount.
Walmart refused to take my order online, when even though I had a balance of credit to use it kept saying the card was not able to take the payment. I was transferred multiple times and ignored. They refused to take my payment over the phone and hung up on me repeatedly.
ON OR AROUND XX/XX/XXXX THERE WAS SEVERAL UNAUTHORIZED CHARGES MADE TO MY BUSINESS ACCOUNT FOR UNKNOWN FEES TO MY XXXX XXXX XXXX BUSINESS ACCOUNT. I HAD ONE CHARGE FOR {$300.00}, {$350.00} {$450.00}. I WAS NEVER INFORMED THAT THESE CHARGES TO MY BUSINESS ACCOUNT MADE. I NEVER GAVE CONSENT OR PERMISSION. THE IS FRAUD AND I WANTED TO REPORT IF. IT WAS BROUGHT TO MY ATTENTION 3 WEEKS AGO WHEN I WENT TO MY XXXX XXXX ACCOUNT TO MAKE A DEPOSIT AND DISCOVERED MY ACCOUNT WAS OVER-DRAFTED. I DID DISPUTE THE CHARGES WITH MY BANK AND I CONTACTED THE OFFICE TO MAKE A COMPLAINT OVER THE PHONE XXXX XXXX XXXX at, XXXX, XXXX, OH XXXX.
My husband and I were approved for a loan modification from Bank of America in XXXX 2015. We made the four scheduled payments on time and were to receive XXXX copies of the agreement to sign 10 days after the fourth payment. We have made 6 payments and still have not received the paperwork to sign and our credit was ruined during this process. We receive a delinquency notice on XXXX XXXX saying we owe XXXX. We have not missed any payments and we continue to get lied to by the relationship manager. All she will say is that we are working on it. They are causing us undue XXXX and my husband is XXXX. We just want answers as to why this process is taking so long and all we are told is that we made the payments too early which is not true. The payments are due on the XXXX of the month and my husband pays it after the third week for the following month when he gets his XXXX check. We have not been delinquent and we want this resolved so we can repair our credit that Bank of America has ruined for us.
M & T Bank and XXXX XXXX have fraudulent foreclosed on my XXXX property in Florida with out bring in me in the case. They actually listed my property for sale in XXXX. XXXX started the foreclosure with out bringing me in, and when I filed a complaint against them, they immediately sold the loan in the middle of foreclosure to M & T Bank who finished the foreclosure. These XXXX banks had put a cloud on my title & Now XXXX is washing their hands and passing it to M & T Bank.
I am Demanding a re-investigation with XXXX account # XXXX that is listed wrong on my credit profile this account has the wrong balance and has been paid in full. This account is not accurate error please delete. FCRA 611 ( 15 U.S.C. 1681I ) The account is settled in full and need to be removed the information is incorrect on my credit report.
I spoke with a representative on XXXX XXXX, 2015. His name was XXXX and his ID # is XXXX. I called to make a payment on the account. They would only take my checking account number. I gave him the routing number for my bank - XXXX XXXX XXXX and my checking account number. XXXX. This is the same account number that I have given to other companies to take money out my account and to have money put into my account. I have had this checking account for over 10 years. XXXX even game me a confirmation # of XXXX. I noticed on a correspondence and my checking account that the payment was not processed. I called today on XXXX and spoke with rep ID # XXXX who originally told me that the payment was rejected on XXXX for NSF, I explained that could n't be true because I am looking at my account and there were funds in my account on the XXXX, how could you verify a checking account in XXXX hrs, and that I did not have any NSF fees from my checking account. He placed me on hold a little longer and then he came back with the excuse that it was n't the XXXX payment it was my XXXX payment that was rejected, I said that was not true because the XXXX payment is showing on the automatic system when you call in to my account and it was also a bank transfer - guaranteed funds. He placed me on hold again and then this time he said it was rejected on the XXXX because my bank said it was the wrong account number. So, I called my bank with the Ocwen rep on line and that credit union rep confirmed that the account number and routing number XXXX gave on the XXXX was correct, but maybe Ocwen can try putting a XXXX before everything, due to Ocwen 's system XXXX. He said he would try but if it reject again he would charge me another NSF fee. I explained that the XXXX XXXX would need to be credited to my account and due to OCWEN system issue I should not be responsible for any fees. He said no I am still responsible. There is also an {$110.00} fee on my account that XXXX on XXXX could not explain what it is for and that he said will stay on my account until the Maturity date and will not effect the principal or interest or negatively effect the account,.
This is my second compliant on my mortgage company. Back in XXXX they sent me a letter stating they was adjusting my mortgage payment to XXXX due to a new escrow fee of XXXX. I put in a compliant at that time due my taxes for my house is less than XXXX a year. Per the result they sent me and your company they adjusted my mortgage to show the amount i need to pay which is in the letter i am sending over. But they have not change anything. Since then all of my payment has not been posted correctly. My escrow balance in XXXX was XXXX and now it is XXXX. So now it show my behind on my mortgage. I seriously think they are doing this on purpose due to my bankruptcy will be over in couple of month and I think they will try to foreclosure on my home. I just want my payment posted correctly and mortgage payment corrected. I am stress out over this. Sometime I feel like just giving up because they are not helpful over the phone at all. I just dont know what else to do at this time. The crazy part is that i complain the last time and they corrected in a letter to both of us but never really did anything. I dont even know I can even trust the outcome of this investigation. I truly feel they are trying to take my house.
During the process of securing a mortgage it was discovered that my Chase credit card was showing 5 months past due, beginning in XXXX of XXXX through XXXX of XXXX. When attempting to fix the issue with Chase, they informed me that a half of payment was past due, and carried over into subsequent months, even though I was sending full payments consistently. I was never called, or informed by letter that there was an issue with the account. I was informed that emails were sent instead. Unfortunately these emails went unnoticed due to the volume of spam email I received. I have been a chase credit card customer for several years and I have never missed a payment. Based on my history, I would have expected to receive a phone call or be advised in writing that my account needed to be brought up to date by a half of payment. I corrected the issue immediately upon realizing that there was an issue. However, this incident has had a deep impact on my credit scorXXXX, making it impossible for me to secure a VA mortgage.
I never received XXXX bill from their offices, I have asked among other things in my day XXXX/XXXX/XXXX dispute a copy of the contract signed by my accepting the terms and conditions of these bills and my obligation to pay a bill it is not proof of debt, can be printed using any format an amount allegedly owned, and still you can not blame a guy for this, send me the number of licensed to collect in Florida, explain how these calculations were made Provide me with your license numbers and registered agent, are obliged to do so, otherwise you are violating the law by the law corresponds me under Fair Debt Collection Practices Act and Fair Credit Reporting Act, any document without my signature lacks validity, after XXXX I can get XXXX dollars for defamation of character in a lawsuit, no arguments, no verifiable accounts have to be removed is clear and concise law, they can go up as well if they have evidence that I received his correspondence with receipts post signed by me as received I request a letter of consent that the account will be closed on your system and will no be transferred to another agency
Was informed that I owe on a old payday loan. Was told their are XXXX actions pending against me.. They said I committed a a fraud by taking out such loan and not paying it back.. They claim the debt was from sometime back in XX/XX/XXXX and it was charged off in XXXX They informed me that they contacted my current employer.. But at the time I was not employed by them.. They also said the debt was sold to them, and I owed them now.. The mentioned my current bank but a old account number.. The also told me my old address.. When I asked them for their company name, their current address, on women told me the name of the company MAC and current location as in front of her desk?? I also pressed for the company that I orginally had the loan from, the account number, the companies ( whom I owed ) current address and contact information.. I was told that they could not and would not provide me with such information ... I was also informed a server would show up and serve me with papers to appear in court.. When I asked them, how is that possible when they did not have my current address. Her reply was the server has it and will show up today XX/XX/XXXX at XXXX Well the time came and went.. I was finally able to get one person who I talked to, to give me her name and email address. Her name was XXXX XXXX, with a email address of XXXXXXXXXXXX ...
I lost the credit card in XXXX and has filed the police report. I notify Chase unauthorised charges on my account. Chase initially took off the charges. ; however, they bill the charges back on my account. They also shut down all my credit card, I do not why Chase would take averse action against their loyal card member. I have been with Chase for 4 years.
Is this a legitimate organization? I had to provide my social security number and address to get them to remove my name from their mailing list. Then I got a follow up mailing piece asking me to sign my confirmation to not receive any more offers from their organization.
Nationwide Credit , Inc. continues to call my place of employment where I am not able to receive calls.
Good morning, I have tried to work with Chase since XX/XX/XXXX to sell my home. The process has been a nightmare. I listed my home inXX/XX/XXXX and finally got an offer in XXXX for $ XXXX. We sent this information into Chase. Chase never sent anyone to do an interior bpo to see the property and relied on an exterior value of $ XXXX. They of course instead of doing their due diligence, just countered the buyer at the unrealistic value. The buyer walked of course in XXXX. I had to relist the home again. This time we got an offer inXX/XX/XXXXand once again sent it into Chase with the request to do an interior valuation as this offer was {$100000.00}. Once again Chase relied on the {$170000.00} valuation, so my agent sent in a dispute package XX/XX/XXXX. Chase shut down my file. We had to escalate the file and reopen my case with Chase and push to get a new valuation. Chase finally consented and a value of $ XXXX came in. We asked to review it. It was bogus. Completely inaccurate not accounting for ANY repairs on the property. On XX/XX/XXXX XXXX XXXX from the executive office sent a message to loss mitigation to re-review and open my case. On XX/XX/XXXX XXXX said they were reviewing appraisal and we needed a certified bid from contractor which we sent in on XX/XX/XXXX, but Chase refused to open the file and cancel the auction slated. I filed bankruptcy. My buyer has been patient and said they would wait until the bankruptcy was finalized. We resent in my file with request for Chase to do a NEW interior valuation and take into account the repairs necessary on my property this year. This has been a long and tough road. Everything was into Chase at the beginning of this year and now they are refusing to review the file. My buyer has patiently waited for Chase to do their job.
Hello, I had contacted you back in XX/XX/XXXX regarding the lender ( Union Bank ). 
My husband was very ill and I was taking care of him in this what I call it our XXXX. At that time, my lender was XXXX Bank and XXXX who decided to obey the new law and lower my XXXX % interest rate down to XXXX %, which was supposed to last until XX/XX/XXXX I kept paying my loans every month and on time. Union bank took over the previous bank and I kept paying on XXXX % interest until I contacted them on XX/XX/XXXX and asked about whether my loan is changing and they replied, over the phone and without any documentation to confirm that my principle has been extended to the year of XX/XX/XXXX and the XXXX which is a Home Equity is extended to XX/XX/XXXX. I was relieved when I heard and without asking for confirmation about the Phone conversation. 
I am a widow and my husband has passed away in XX/XX/XXXX, I have contacted this bank and asked if they can reduce my monthly payment and live comfortably. They denied helping me. Any time I asked for help, I heard them telling me either to go Reverse Mortgage or liquidate my home. I feel this is a matter of discrimination agaist me because I have no husband and I am in my XXXX 's. 
Instead of lowering my monthly payment which was around $ XXXX, they surprised me on XX/XX/XXXX, with a XXXX package in front of my home and being addressed to my deceased husband without my name on it and they raised my rates and my monthly payments asking me to sign the package and return it back to them before XX/XX/XXXX or else the loan will go up to XXXX % automatically. I called them and told this is totally illegal and I am being harrassed by this. Their response was that they were being audited and found out that my loan was supposed to change to XXXX % and they missed it and they wo n't charge me for repayment of XXXX years that I was on XXXX %. They did this so they know I wo n't be able to afford this payment so they can foreclose on my home. I have paid enough money in this house during my husband 's illness and death and now I have his survivor 's and pension income and I am a full time worker on a minimum wage. I feel I am being taken advantage off since I have no husband to support. I am qualified to lower the monthly payment and keep my home and not interested in Reverse Mortgage or being thrown on the street ( Foreclosed on ). 
XXXX XXXX 
XXXX CA XXXX XXXX
Became over 30 days past due on my mortgage loan. Wanted to make a payment online through the bank 's internet portal, which does not carry a fee - but was restricted from doing so due to the past due status. Called in to make the missed payment and was assessed a {$15.00} fee for doing so. Blocking delinquent customers from free payment options and forcing a {$15.00} fee on them for essentially the same service with an agent - with no other free electronic payment options - strikes me as the imposition of an additional late charge beyond what the contract allowed for. 

Additionally, the bank offered a payment plan to allow me to cure the debt over time, which I appreciate. However, each installment under this plan will also be charged a {$15.00} processing fee, which seems again like the imposition of additional fees for customers experiencing hardship. I have agreed to these terms because I want to cure the delinquency.
Wells Fargo Home Loans Bui\lder Division is using illegal tactics to build their business within XXXX XXXX XXXX . They are doing this by partnering with an ESCROW service provider. ESCROW OF THE XXXX sales REP XXXX XXXX is very well connected within the builder industry. Wells FARGO Retail office and Builder office is opeining escrows with XXXX XXXX. As a retrun for this buisness, XXXX is telling builders to use WELLS FARGO as their preffered lender for the take out financing. XXXX is creating a false environment. making the process harder to sell for builders and harder to buy for buyers so that he can influence the builders vendors choice- XXXX has designed specific FALSE processes that make it harder for buyers to get loans from lther lenders. this way his choice of lender, Wells FARGO/ XXXX XXXX have the upper hand and they limit the buyers ability to shop for the best mortgage deal. XXXX XXXX creates an atmosphere that FORCES PEOPLE to use WELLS FARGO/ XXXX XXXX XXXX does this becase XXXX sends XXXX retial refinance transactions.
We received a letter fro our prevous lender, XXXX about a week or less prior to our loan getting transferred. 

The letter noted the new servicer, stated all terms would stay the same including the loan number. 

We reached out to Selene Finance, LP the date of official transfer which was XX/XX/2017. Selene had no record of the account by name, social security number, XXXX loan number or property address. The mailing- billing address was obviously not identified either. 
We called XXXX, and they insisted that a letter from the new lender should have already been received. WE have not received anythign form slene finance. 

We called selene finance a few time and XXXX week later they have finally acknowledged that there was a loan transer, but they would not give us any information such as the new payment address or even the loan number. They said XXXX did not authorize our names. So now they want a bunch of paperwork via email only, with original hard copies sealed by courts. 
It will take us at least a week to get the paperwork they are requesting. Then they will take at least a week to review the paperwork in their legal department. By then, it will be well past our payment date. 

We feel that they are stalling because we had delinquent balance with XXXX that we were trying to clear up prior to the lan transfer. We are just trying to make a payment. We are trying to give them money, They are not providing us a way to make payments.
I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am self employed the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH 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 OH XXXX The following account Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX  XXXX I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX
On XXXX XXXX, 2017 I received a letter stating I owed ERC ( XXXX XXXX XXXX ) a debt of {$360.00}. The letter references XXXX XXXX which I do not have and have not had. I called the number provided by ERC ( XXXX ) and gave them the reference number and account number on the debt they mailed me. After providing them with my information and the information of the letter, several representatives were not able to find any account or debt listed under my name. The letter states that they are going to report this on my credit score if I do not respond. I 'm very upset and believe they have the wrong information because I do not have XXXX XXXX  and they were not able to find my " debt '' with information THEY sent me. I believe they are fraudulent accusations.