WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I contacted Equifax to remove dispute comments on credit report as I was trying to obtain a mortgage and needed these items removed. I was told in 72 hours the system will be updated and items removed. With that information I advised my mortgage company to go ahead and pull the credit again in 72 hours to reflect no dispute comments. To my surprise, my mortgage lender told me dispute comments still there over 72 hours later, and I was denied a 2nd time. On XX/XX/XXXX I immediately contacted Equifax again only to be told that they had no report of me calling, and yet again requested dispute comments to be removed, I was advised yet again they would be removed in 72 hours. Being skeptical I called back, and was advised there was a system error and no dispute comments were removed and that " maintenance dept '' would have to handle it. I advised the rep that time was of the essence as I may lose my house due to this incompetence, she said she would try to remove them again, she told me she was able to get them removed. She  provided a confirmation number. On XX/XX/XXXX I called in again and was told no dispute comments are on my report. I am so wary because I cant trust what they say at this point. I asked to have inquiry removed as their incompetence has caused me another ding to my credit. They stated they could not do anything to remove the inquiry. This company is outsourced and reps can barely speak comprehendible English. I asked for verification as they said they will email me it to me ... never came. She stated she would also mail it to me. When I check confirmation number in their " check status '' it says cant be found. I am at a deadlock because this company has fallen through many times! I am not able to obtain a mortgage unless they do their job! Their service is highly incompetent and poses a risk to the American consumer. Rep purposely refuses to hang up when advised I'm waiting for the survey after the call. When you call in and ask a question, they say " Ill place you on a 2 minute hold '' and they don't come back for some time, only the next question you ask they do the same " hold ''. Call is held many many times. This company is blocking me from receiving credit as they don't do their job as required. I am at a standstill because I cant suffer another inquiry only to be told they didn't remove the comments as directed. That will drop my score so low I wont even qualify for a mortgage at that point. I kindly ask someone find out what is going on at this company. Sad thing is, same scenario happened to my husband ... same dates!!! We called right after one another even with a confirmation code given they said no record of XX/XX/XXXX request.
Portfolio Recovery Associates purchased my debt after it had been written off. After I moved into my home they started knocking on my door and threatening me with legal action and until I agreed to a settlement and a settlement was offered for a partial payment in lieu of going to court, at the time I was in XXXX treatment. I was told this would not be added to my credit report and I have been disputing with them for the last 5 years to have it removed.
I am a victim of identity theft. Since 2015 two cards were opened at XXXX. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at XXXX XXXX. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting XXXX  about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.
I have repeatedly contacted Wells Fargo regarding how they process mortgage payments. Each time they receive a payment their system automatically charges a full months interest - irrespective of the number of days elapsed since the last payment. In many instances, I have made payments more frequently than required under the mortgage. In some cases with fewer than XXXX weeks between payments. With each payment be charged a full month 's interest, the end result is that I have been charged the equivalent of XXXX months ' worth of interest in XXXX month. 

While I suspect that this is an unintentional systems design error, Wells Fargo refuses to correct the situation. Their most recent letter dated XXXX XXXX, XXXX indicates that this is their standard practice and in accordance with the terms of my mortgage note, which they attached. In reality it is both unfair and resulting in my account being charged substantially more interest than is required under the mortgage note. 

In addition to my own experience, I am sure there are other borrowers who have made similar frequent payments and unknowingly been charged more interest. In fact, Wells Fargo 's own mortgage website encourages borrowers to make twice monthly payments or exceptional XXXX time payments to reduce interest charges. In reality, the end result is that Wells Fargo will actually charge more interest rather than less. 

Aside from my direct contact with the XXXX XXXX and XXXX XXXX which has resulted in no change to this unfair practice, I have also emailed both Wells Fargo 's Investor Relations team and XXXX XXXX XXXX. I have not received a response to either of these emails.
I recently filed a complaint about how Navient erroneously put my account delinquent by 3 months, even though my payments were up to date. Since my first complaint was filed, Navient has rectified that issue, and immediately caused another one, that I am fighting to get corrected. Once Navient took the delinquency off my account, they increased my total balance due by about {$50.00} more than what it was after I made my last payment. A couple days have gone by, and they are showing that I now owe {$65.00} dollars more than I did a month ago. I have no late fees or anything like that on my account, yet the interest just keeps racking up every day. I have NEVER had this happen to my account, and Navient is now claiming that every day I am getting charged more and more interest and it does not make any sense. I am now caught in the middle of yet another one of their many schemes. How I am ever supposed to get my loan paid off if they keep tacking on {$65.00} every month?
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several lines of credit and other services. These applications resulted in fraudulent related inquiries into his XXXX, XXXX  and XXXX  credit reports. Formal disputes of these inquiries were provided to the creditors however a credit report ( s ) obtained XX/XX/2018 has many of these know fraudulent inquiries still being reported. These inquiries are : XXXX  credit bureau : XXXX, inquiry made XX/XX/2018, formal dispute was provided XX/XX/2018 ; no reply from that office and the data is still being reported. XXXX, inquiry made XX/XX/2018 formal dispute provided XX/XX/2018, still being report no reply from office. TD Bank, inquiry made XX/XX/2018, formal dispute provided XX/XX/2018, still being reported and no reply from that office. These are violations of the FCRA and my clients, federal consumer rights.
At   XXXX   XXXX   - I spoke with   XXXX   XXXX   who is telling me that I must submit a Postponement tomorrow morning with a gift letter and bank statement. Even though I am willing to pay off their alleged loan, I was told regardless of my efforts to pay off tomorrow that they may go forward with the sale which is a bunch of bull.
I have confirmed in the first place the   XXXX   XXXX   XXXX   credits were accessed through my assigned US Treasury Direct Acct. For these people to tell me that it may be too late for a postponement as they place to illegally seize my home tomorrow. I do not owe these people.
  XXXX   asked me to provide my personal bank statements and this can not happen. I was a victim of Identity Theft -   XXXX    Employee in  XXXX . I am willing to payoff the amount issuing my acct. # and routing # and   XXXX   is refusing.
2nd Item - I want to report Bankruptcy antics in courtroom 5D -   XXXX   XXXX   - It appears   XXXX   XXXX   attorney went to   XXXX   XXXX   's courtroom on  XX/XX/XXXX  to get a Lift of Stay against the Registered Entity - regardless of fact # 1 I revoked any and all power of attorney as the Live - woman back on the land. Note : this BK case has been closed for over 3 yrs - all debt for the Registered Entity discharged as UNSEURED DEBT. I realized that going to the BK court was a error. The   XXXX   XXXX   loan was paid off as shown by MASTER FILE. I was never served any notice of this  XX/XX/XXXX  hearing and Wells Fargo had my address - So I had no way to put on record illegal seizure of home or fact it is not a loan but copy right business processes. The Will Be Debt Opinion letter is FRAUD - as there is no loan. Please refer to the   XXXX   XXXX   XXXX   XXXX   - very important to see the complicated undisclosed real transaction of sneaky licensing agreement of our identity.   XXXX   XXXX   assists with these crimes TAX SHELTERS in my name -- -- hoping that I will not catch on to there scheme. These behaviors need to stop - the people harmed have lives too and we were not placed on this earth to serve for the legal profession pleasure and benefit as reflected in the  XXXX ,  XXXX ,   XXXX   XXXX  .
These people seem to forget that it was I who authorized the initial credits and I can at any time terminate their fake POA status with their fake loan #. I am in process of getting the lien released at Federal Level.
This debt had a judgement placed against it originally XX/XX/XXXX. I made several different payment arrangements with this creditor and was paying $ XXXX/month as well as other random amounts from the time of judgement until XX/XX/XXXX. This was an auto payment coming out of my account but apparently it lapsed in XX/XX/XXXX. In XX/XX/XXXX I contacted them and when discussing the last payment I asked for information regarding the original amount of the debt, the amount I had paid thus far and how much more remained in the balance. I was told I would be sent an email detailing this information. I have never received an email from them and it now almost XX/XX/XXXX. I have not received a call back despite leaving a voicemail for XXXX, with whom I've been working. They're website where you make a payment also do not show remaining balances or something showing you how much has been paid so far. I feel that after 8 years paying on something that was originally a less that {$2000.00} debt, I've more than paid this off. I want it off my credit and for the account to be closed and no longer have a negative impact.
Some years ago I took out a payday loan. Payments were being taken out days and even weeks ahead of the scheduled date. It XXXX my bank account up so badly I had to close the account and open a new XXXX. My bank charges were in the hundreds of dollars due to their untimely actions. I made arrangements to pay the amount they claimed but now they are threatening me for breech of contract because the bank did n't pay their withdrawals. They refuse to accept proof that this was paid. They called on XXXX/XXXX/16 at which time I told them it had been paid but they refused proof of payments. They said they would call the next day for my documentation. They did not. This was a XXXX XXXX at XXXX. A week later they began to call every three minutes non-stop. Threatening to take me to court. So I blocked their number. I am now getting threats from XXXX threatening me saying I had been reported. They do not send documentation of any type, have refused to give me any specifics on what they are referring to and are very nasty people. I do not owe this and they cost me hundreds of dollars in bank fees for all the other transactions that were affected by this incident. They are the ones who were in breach of contract.
I get SSI and my deposits are made to a XXXX XXXX XXXX. This morning I went to check my account and I could not access my card. Upon calling I could not access anything. After four hours I was finally able to talk to someone who said I would need to talk to a Level 2 Fraud person with XXXX XXXX. Upon trying to transfer I was disconnected. Then 2 hours later I got another representative and she was finally able to determine that I am infact ME by previous withdrawal information. I was then told by her that on XX/XX/29 someone in XXXX Florida pretending to be me had called in with all my information and had XXXX XXXX issue a new Card and it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. She the rep with XXXX supplied this information to me. I asked her I had recently moved from XXXX to XXXX in XXXX did they have XXXX as my previous address she said that was not what they had on file. She waited for nearly 45 minutes so they could transfer me to the FRAUD Division with XXXX XXXX who told me I would be issued a new card however it would take 45 to 90 days before a refund and this CLAIM could be investigated. They said it was my fault because I must have leaked my personal information. My old card has been in my wallet since last month and no one has access to this. I had to file a police report which I did with XXXX OHIO Police Department Lt. XXXX, I put a Fraud Alert on my accounts with XXXX   and XXXX XXXX like As soon as I knew what had happened. I also contacted Social Security and will be going there on Tuesday I filed a formal complaint with Social Security through there XXXX number Fraud XXXX XXXX said they would not be refunding my SSI money I would have to pay XXXX fee for a new card. I read online today that XXXX XXXX had posted an article about Comerica Bank and the Breach of Public information of Clients and how it had affected a lot of veterans back in XXXX, https :  XXXX XXXX XXXX again wants me to send my personal information plus a police report to XXXX XXXX Texas . The same Texas that was posted in XXXX XXXX that they supposedly closed.
Company : Blackhawk Network ( XXXX ) XX/XX/XXXX : XXXX   Prepaid Card purchased at local XXXX 's XXXX XXXX and activated on site, given as XXXX gift XX/XX/XXXX : Gift recipient attempted to use card an was declined. 
XX/XX/XXXX : BH Network contacted by phone to dispute 2 fraudulent charges on the Gift Card XX/XX/XXXX : BH Network requested additional documentation ( Activation receipt, card, credit card statement ) XX/XX/XXXX : Customer contact phone support to verify how to submit this information, delivered documentation by email to bhnetwork.com XX/XX/XXXX : Customer received 2 letters dated XX/XX/XXXX and XX/XX/XXXX stating the investigation had been closed due to lack of response/lack of documentation XX/XX/XXXX : Customer called BH Network to dispute the letter, Agent # XXXX attempted to assist, verified receipt of the required documents, but could not explain why the case had been closed XX/XX/XXXX :  Supervisor # XXXX ( XXXX ) agreed to attempt to reopen the case, all documents resent to XXXX bhnetwork.com
Hyundai Finance reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. Hyundai acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to Hyundai Finance 6-7 times between XX/XX/XXXX and XX/XX/XXXX
I purchased a manufactured home from XXXX XXXX XXXX/XXXX/14. it was a XXXX bedroom home that we origanly agreed to pay {$8000.00} down but XXXX XXXX asked us for an additional {$4000.00} down saying that we had to have a brick foundation in the area that we purchased the land do to the location building codes. With {$12000.00} down on a XXXX home we should have borro orrowed {$66000.00} with 26 year repayment of {$450.00} monthly. before the home was completed 21st Mortgage asked for a {$830.00} payment immediately before we completed any paperwork or received the first mortgage payment book. When I received the first payment book 60 days later it had a 10 % interest rate with borrowed amount of XXXX and monthly payment of more than {$82000.00} a month. When I spoke to XXXX and the mortgage company they indicated that the amount would be corrected and that never happended. Instead the threatening phone calls demanding the full amount of : {$820.00}. We also never received the accurate settle amount it sad we borroewed over XXXX on our credit report and when I called 21st mortgage again I got no correct answer. I estimated that paying 26 years at {$720.00} a month and being modist that the XXXX should include our property tax that 21st Mortgage has not paid to date, we would have paid {$220000.00} on a {$60000.00} loan. I have had to file with the bankrupty court not able to alleviate the issue and get true justice. XXXX also clearly allowed 21st Mortgage to rip us off and cause us finantual heart ache as well. I have enclosed some of the cdret approval letters that they kept sending in both my name and then my husbands while they changed the amount we should have been borrowing in a matter of days. We received over XXXX offer letters from 21st mortgage with XXXX different loan amounts up until the home was delivered with out notice to our land. Can someone please help me I ca n't even get a honest answer as to how much is owed on my loan toady minus the three year paymnt that has been made to 21st mortgage for the poast three years or the location of our property tax payments. I am enclosing documents that I have found so far.
FIRST I received my deposit late then the next day my account showed a XXXX balance had no money to pay my bills or get to work which inconvenient me that my insurance was cancelled lights off days off work so messed up
We have been processing a short sale application with Ocwen Loan Servicing since XX/XX/2016. The borrowers were approved for participation in the HAFA short sale program. Ocwen delayed the file, requesting the same documents again & again, and we did n't even see an approval on the purchase offer until XX/XX/2016. By that time, the buyer had walked because property values in the area dropped significantly due to a drastic increase in inventory, combined with the deteriorating condition of the home and having had to wait so long just for a decision. We then submitted a new offer for {$28000.00} less on XX/XX/2016, with all current documents. Ocwen 's valuation of the property came in at the same amount of the offer so everything was looking like it could move forward. However, Ocwen is now saying that the application deadline for HAFA was XX/XX/2016 and they did n't have all of the documents on file so the borrowers are no longer eligible. This derails the entire transaction because their in-house short sale program does not allow nearly enough money towards the junior lienholders, and it removes any/all relocation assistance to the borrowers. I would also like to mention that the only document Ocwen did not have, according to them, was an unpaid principle balance statement from the 2nd lienholder. They had several copies of this document throughout the process since it 's conception in XX/XX/2016 and we had to get special approval on the document because of how the collections company was required to issue the statement. Basically we went through all of their hoops to get the first HAFA approval, which took a total of 6 months to be approved, and now they are saying the homeowners did not submit the application in time for the new offer. In addition, the makinghomeaffordable.gov website states that the application deadline is XX/XX/2016, not XX/XX/2016 as Ocwen is stating. This would give the borrowers more time to submit whatever Ocwen claims is missing from the file. The borrowers have done everything they needed to in order to complete Ocwen 's ridiculous process, and now that they have another viable offer, which Ocwen has had in review for over 2 months already!, Ocwen says they can not participate. I would also like to stress the fact that the borrowers already had a HAFA short sale approved just 2 months ago as well so it makes no logical sense that they now do not qualify.
Hello. 

The story here might sound strange. This credit card was never opened by my permission, and i have never opened or ordered to open any credit card from Bank Of America. 

When i first saw a charge on my account from the credit card company i went to the bank to ask about it and i have been told they will take care of it. Month later i saw charge again and i went again to the bank. This time i did n't have money in the account enough to cover the charge so i have been charged also for negative balance fee. 

This happened 4 times in a raw and i did n't want to pay the balance because i was n't the XXXX who made the mistake. They ruined my credit and i could n't get car or loan or any normal service from anyone that asked for my social security number. 

Today i want to take care of this issue completely. I need your help please. 

Thank you, XXXX XXXX.
i called JP morgan Chase to apply for the HARP program to reduce my home mortgage loan interest and to qualify and without going to details he said I did not qualify and I ashed why? he said you do n't qualify he said my loan was n't a fannie mae loan? I said yes it is a XXXX Loan he said no your loan is sold to another lender I said another lender and I was notify? I asked so who is my new lender now? he said I do n't know? I said well who will tell me then he transferred me back to customer service I gave them my loan number XXXX my name XXXX XXXX XXXX and this time a lady she said my loan is a XXXX Loan, so this man did not tell me the true why he did tell the time to ask me the questions he needed before saying if I qualify yes or no? I told him that I have being working on my credit score they- chase told me to work on my credit and call back in XXXX months and that is what I am doing, my interest are too high right now being a XXXX after a difficult XXXX, lost my job and had more medical bills, paying more medical bills and I need to apply for this HARP program
I am complaining against Care Credit because the {$800.00} I agreed to pay back at {$27.00} am month I was doing with only being late in XX/XX/XXXXwhich I let them know and made up in XX/XX/XXXX. In XX/XX/XXXX my bill was at {$530.00} by XXXX it went to {$930.00}, which was a increase of {$390.00}. As of this month of XX/XX/XXXX, it is now {$980.00} and they are requesting that I owe {$220.00}. due for the month of XX/XX/XXXX. This is ridiculous, they told me when I had called them a few months ago that since I had not paid he original bill off by XX/XX/XXXX, interest is being charge on me. I did write them a letter to complain and I would report them, but they don't seem to care about that. I have continued to pay the {$27.00} each month by money orders but now the last letter they sent to me they claim they will turn this over to collections to pursue this debt if they don't hear from me by XX/XX/XXXX.