WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX, I obtained a loan to purchase a XXXX from fifth third bank in the amount of {$200000.00}. The loan was secured by my residence and they obtained XXXX mortgage on the residence.. My loan is a labeled as a Commercial Term Note with Fixed interest rate of 8.440 %. My payment is {$1900.00}. The effective date of loan is XXXX. The maturity date of the loan is XXXX/XXXX/XXXX. My payment schedule is suppose to be Principal & interest due on the XXXX of each month beginning XXXX/XXXX/XXXX. There is also a 1 % prepayment premium to any prepayment check. 
I believed my loan would be paid off on XXXX/XXXX/XXXX. A recent statement shows I still owe $ XXXX. I called Fifth Third Bank and explained there was an error. They informed me I have a balloon payment due. And XXXX months later, they are now calling me and telling me that they are beginning foreclosure proceedings against my residence as they claim I am in default for putting my mother on my house with me and furthermore they claim that since I filed bankruptcy back in XXXX and did n't file to renew the loan ... I am in default and being foreclosed. I have never missed a payment or been late. In addition, I have loan documents and it was NOT A BALLOON LOAN. NOWHERE DOES IT SAY IT IS A BALLON LOAN.. If there was a balloon I would suspect they would have included it somewhere on my documents. It is nowhere. But the prepayment penalty is clear. I believe that the bank has been deceptive and misleading. And they failed to disclose a material item like owing over $ XXXX. They are calling and asking what I am doing about it and asking where I am going to get the money. They told me they want the loan paid off now and that if I do n't inform them soon on where I am getting the money to pay them off, they will continue foreclose proceedings against my residence. This is unfair and deceptive.
My account with XXXX was closed without any negative reason for closing. 

After viewing my consumer report with early warnings, it was reported on XX/XX/2018 by XXXX, that the reason for closing my account was as followed : Obtaining ( or attempting to obtain ) a new banking relationship or taking over ( or attempting to take over ) an existing banking relationship using : ( a ) all or part of another individual 's identity and/or credentials ; or ( b ) a fictitious identity and/or credentials. 

Which is totally FALSE. I spoke to XXXX about this matter and they say that they didn't report this. XXXX says that XXXX XXXX made a mistake and that the ABA number on the case is not even correct. 

Contributor : XXXX XXXX - XXXX Contribution Ref # : XXXX ABA Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : XXXX SSN/Tax ID # : XXXX
Chase reported to the IRS in XXXX that I had received a refund for a house that I sold to my ex husband in XXXX. The IRS in return sent me a bill on XXXX XXXX in regards to the matter. I went to the Chase branch to inquire about this bill that Chase reported to the IRS and was told I needed to contact the mortgage department at Chase. I called the mortgage department at Chase and explained to them I never received the monies they reported to the IRS. I then requested a copy of the cashed check, they emailed me the front of the check with both of our names that was sent to my ex husband address on XXXX XXXX and was advised I had to wait 7 business days to receive the copy of the endorsed check. After 7days they provided the endorsed check that was sent on XXXX XXXX without my name just his. I then had to take a day off from work to call the IRS to inquire what I needed to do to have this corrected. I explained to the IRS what happened with Chase because during all my conversations with Chase I was telling Chase what needed to be done to correct this issue. Chase should of told me what needed to be done to have this corrected about this error they created! Chase wanted me to just tell the IRS about the error instead of them knowing what needed to be done to get this corrected with the IRS. I had to request a copy of my corrected XXXX to be able to have this corrected properly with the IRS and even then they were going to send a copy of the corrected XXXX to my ex-husband home address. I am infuriated that I had to take the day off from work to correct an error that Chase made with the IRS creating an unnecessary bill and furthermore causing me emotional stress in having to deal with my ex husband in regards to this matter! The representative I spoke to is XXXX XXXX most of the time about this case, the multiple conversations were recorded for reference. To-date I have to wait 7-10 business days to receive my corrected XXXX to send to the IRS.
XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XXXX where there involvement did n't start until XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & XXXX accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake XXXX refuses to correct.
On coinbase XX/XX/XXXX I sold I bitcoin at an exchange rate of {$12000.00}, {$190.00} in fees, {$12000.00} was supposed to be credited to my US $ wallet. I also sold some other digital currency in order to reach my daily {$15000.00} trading limit, which all cleared as normal and was able to wire those funds out of my account. My bitcoin is deducted from my account but the funds as of XX/XX/XXXX have not been credited. The transaction shows pending in history, but complete in my bitcoin wallet? I have filed numerous cases with XXXX and have not received any valid explanations, only automated responses. The email address they say to send requests for assistance to are disabled and, they claim no-one over the phone can help with deposit or wire issues. I have tried to contact them on XXXX, spoke to a rep on XXXX who never responded after I gave him my case id. My coinable case id # XXXX, the original transaction reference code for this transaction is XXXX. Also there is the tax issue I 'm not sure how to handle sold in XX/XX/XXXX but still have not received my funds in XX/XX/XXXX.
I checked my credit score and noticed activity on my credit report that I am not aware of. I am a victim of identity theft.
On XX/XX/18, 2 unrecognized and unauthorized charges were pending on my account from XXXX and XXXX 's in XXXX. I called Bank of America immediately on XXXX and was told nothing could be done until the charges posted. I canceled my debit card, because the number had been stolen. I called XXXX and they were able to identify that an individual that was not me had made the charge, but said I needed to go through the bank to get my money back. Once the charges posted on XX/XX/18, I made the fraudulent charge claim through Bank of America which was given claim number XXXX. The bank credited the charges back to my account, which amounted to {$370.00}. They then claimed to research the claim and decided on XX/XX/18 that the charges were authorized and that they would take the {$370.00} from my account on XX/XX/18. I spoke to a representative in the fraud department on XXXX and asked her to provide me with all of the research documentation. I have received nothing and was basically told there were no notes on the account. I asked for the claim to be reopened and researched more thoroughly in writing on XX/XX/18 via fax at the direction of the representative. At this time, I have had no response to my request. The charges were unauthorized but seem to have not been researched at all and no proof of any research has been provided to me by Bank of America.
IN XX/XX/2018, THIS COMPANY PLACED A LIEN ON MY SAVINGS ACCOUNT AND TOOK APPROXIMATELY {$2500.00} WITHOUT PROVIDING ME WITH NOTICE. I specifically stated in writing that the account listed on my report was NOT A VERIFIED account by the creditor. I also requested WRITTEN PROOF with my signature on the ORIGINAL ALLEGED CONTRACT that I signed with said creditor. I have NOT been sent any information by this creditor that I owe these debts that have been sitting on my credit destroying my chances of purchasing a home. I'M PLEADING WITH YOU FOR SOME HELP! THEY ALREADY TOOK MY MONEY, AT LEAST REPORT IT POSITIVE ON MY CREDIT REPORTS.
On XXXX XXXX I overdrew my account by using my card at the pump. For the second time, the branch manager placed a hold on my card citing card abuse ( she stated I constantly use the card to overdraw the account ). My wife and I no longer use checks so our cards are only means of payment ( other than cash ). She stated that she will under no circumstances lift the hold on the card. My wife 's card works just fine on the same account. Not only did she place a hold on my card, but made sure that my pay check will not post until Monday, XXXX XXXX ( deposited via ATM XXXX XXXX ).
I contracted with XXXX in XXXX for mortgage for 30 yrs, in XXXX XXXX, they sold my loan to freedom mortgage in SC. freedom contacted me and told me that I need flood insurance. my contract with XXXX included a flood certificate which said I am not in a flood zone. freedom will not accept this document so I have spend weeks trying to get this resolved. 
they will add flood insurance 45 days from first letter if I do n't get flood insurance and I feel totally XXXX. I did not ask for an ; y of this and have a perfectly good document. I want to file claims against XXXX companies.
I requested a copy of a check I wrot against my second mortgage ( line of equity ) with PNC bank almost 2 months ago and have been getting nothing but the runaround. I 've spoken to XXXX ( XXXX ) different individuals and they all would say they 'll look in to it and call me back, but they never do. I 've left XXXX messages for XXXX XXXX XXXX at XXXX XXXX XXXX to no evai. I 've begged him to at least return my calls regardless of whether he has any information or not. But, no phone calls from nobody from PNC so far. 
They are sure quick to call when the monthly payment is a day late, but not when you want something from them. 
Thank you!
I wrote a letter to this company on the XX/XX/XXXX via certified mail on the XX/XX/XXXX and it was received.

This company made a unauthorized inquiry on my report without my consent.
I was a victim of a Fraud/Scam attack. I was contacted by a company called XXXX XXXX. They claimed to be able to offer me a loan, and asked me to do some questionable things, resulting in me losing {$990.00}. My bank is unwilling to refund my monies to me. I am a single mother, with one income. I am in need of this money to pay for rent, groceries, fuel to get to work, diapers, and daycare. People make mistakes. I have learned a valuable lesson from this, but for such a large corporation, the bank should be more than able to recompense my funds to me. I have spoken to a banker in a branch, sent an email to the corporate office, and also filed a claim with the fraud department, and repeatedly been told I am out of luck. I am disgusted with the lack of concern over the loss of my monies. I understand I made a mistake putting my financial information out, but considering the magnitude of this company, I do n't see any reason why my stolen funds should be reimbursed to my account. I have filed a police report, contacted the FTC, the MN Department of Commerce and the FBI on this matter also. I feel unappreciated, tossed aside and poorly treated as a financial consumer who was taken advantage of. After following all of these channels, the bank is still unwilling to reimburse the money.
Capitalized interest in the excess of 100k during forbearance. This caused my loan to increase to over 200k thus causing me to need a conventional loan for the house I am trying to buy me and my daughter as a single parent. I need 8 % down now despite having a good job. Rejected bill pay through my bank then attached fees for late payment.
XX/XX/2017 I put in a request to have my XX/XX/2017 and XX/XX/2017 payments Deferred to end of loan. The individual I spoke to at that time had agreed to email me over the form I need to fill out in order to get that in place and XXXX hours to send out and I can email it back in to make sure it was received on time so it would n't be marked late. I waited and never received the email. So I called back and another person said they would resend again.Still never got email. On XX/XX/2017 I spoke with another gentleman and he figured out the reason it did n't go through was because no password was assigned when they sent it out which there system would not actually send it. I stayed on phone with him over XXXX mins to allow him to fix issue and email me. He advised me on the call that I could email it for faster service and upon processing it if it were late they would adjust late off credit report. I filled it out and emailed it back right away when I received it. I got a call 2 days letter saying they did n't receive my email to go ahead and fax it and upon receiving the fax they would fix issue and adjust the late on credit report. I faxed and emailed again right then and there. Now that it is reflecting late on my credit report they are now telling me it 's my fault and they will not be removing late. How is it my fault when I called with plenty of time for deferment to be processed representatives just did n't do their job correctly the first 2 times.
Due to my account being overdrawn on XXXX/XXXX/2016 I was charged a overdraft fee of XXXX which I paid but not right away with no problem due to my error. I received an emailing stating I had until XXXX/XXXX/2016 to take care of bringing my account current or I would be charged additional/extended XXXX which I did on XXXX/XXXX/2016 which was apparently to late. it does not matter to the bank that I was charged the additional even when my account was current the only concern was I had 5 business days to correct and it was not done according to their procedure business day.
About 3 months ago I applied for a personal loan with XXXX XXXX XXXX XXXX to pay off my Mother 's car loan she has with XXXX XXXXl for her XXXX XXXX XXXX. [ I did have a loan with XXXX XXXX, it was for a XXXX XXXX XXXX with account # XXXX ]. This loan was co-signed with my mother XXXX XXXX. She was going to trade in the XXXX XXXX & get herself a new car, but I decided to trade in the XXXX XXXX instead & purchased a new vehicle by myself. This was in late XXXX. About a week ago, I received a statement from XXXX XXXX with limited information. It stated that I owed them {$500.00} dollars & that my loan was subject to go to collections & this would affect my credit rating. My initial call was to XXXX the Sales person, who assured me that my car was completely paid off & did not know what was going on. At this point I was worried about the bad rating this would have on my credit so I called my Mom & asked her to help me find out what was going on. ( I initially thought it was a negative balance for the XXXX XXXX I just traded in ). When my mom reviewed the statement she noticed it was a different account number from my previous & only loan with XXXX XXXX. My Mom called XXXX XXXX on XXXX/XXXX/XXXX @ XXXX XXXX & spoke to XXXX in the customer relations dpt. XXXX advised my Mom that she was not on the loan she was pulling up. My mom told her that she was the co-signer on the loan & wanted information about the statement we had received. My mom also advised XXXX that it was the wrong account number & perhaps XXXX XXXX had made a mistake about the balance of {$500.00} we still had. XXXX asked my Mom if she was calling regarding the loan for a XXXX XXXX XXXX. When my mom heard the description of the vehicle she then told XXXX that the XXXX was her car & she still had a loan with XXXX XXXX. At that point XXXX told my Mom she was unable to give her any more information & she had to transfer the call to the Accounting Dpt. but not before my mom conference me in to the call. When we reached the accounting dpt we spoke to XXXX. I verified my information one more time & gave authorization for my Mom to talk to XXXX & discuss the account. When everyone was on the same page my Mom asked XXXX if she can tell us who signed the check or any credit application? We explained to her that I never picked up the check or signed anything documents authorizing the loan. At this point XXXX stated that we were going to be put on a 10-15 minute hold so that she can review all notes. My mom was at work & asked XXXX to please call us back because she was at work & I was getting ready to go to work. XXXX told us that they do not call out ever & if we wanted any further information we would have to call them back at another time. This is the last time we had any contact with XXXX XXXX.
I cancelled my membership at XXXX XXXX. However they kept me as member for 4 more months. They sold my debt to collection company. Neither health club nor collection company did not provide me with any papers verifying my debt, membership status, payments etc. I sent multiple written requests to collection company asking to verify the debt and send me a breakdown but never received a response.
Grant Mercantile agency reported to credit bureaus a {$2500.00} outstanding invoice without notifying me that they were going to do so. I was completely unaware the amount was owed and was told " we tried to call you in XXXX ( 2018 ) '' ... a full 8 months before reporting to the credit agencies. I also received nothing in the mail allowing me to dispute the charge ... which I do ...

I asked them if I could dispute the charge but they told me that the ambulance company had turned it over to them and there was nothing I could do. ( they claim they did not pay the ambulance company for the account ) The charge was for {$2500.00} for a 10 minute ride that was un-necessary because it was just for XXXX, however, at the time I was told they had to take her. Clearly XXXX just wanted the money because they had already showed up. Had they told me it was going to be {$2500.00} I never would have allowed them to take her ... but my current complaint is with Grant Mercantile who did not allow me to dispute the charge ... only to claim financial hardship. When I paid in full ... due to being told I " had no choice '' they also refused to take it off my credit ... only to report it as " paid in full '' which is unacceptable and unethical given I was not notified in writing about the attempted collection.
After review of my student loan payments, I feel that the payments were not applied appropriately. I have inquired about payments yet feel that everytime I call I get somebody in the XXXX who does n't understand English and what I 'm trying to explain. I filed a previous complaint and was told that they provided everything to me. If you look at the documents that they provided, one of the documents is supposed to be 9 pages, yet they only provided 4 pages. 

I want a full accounting of ANY and ALL payments ever applied and how they calculated what goes to the principle and what goes to interest. I feel that I have bamboozled for far too long.
Received a call XX/XX/2018 at XXXX XXXX stating they were attorneys attempting to collect a debt and stated that I was on a time limit and if I did not act that I would be taken to court. I stated that I am unable to pay balance due to not working. They insisted I owed I requested they mail out information on debt. they stated they dont do that.
I have placed a security freeze on my credit record with all XXXX credit reporting agencies so that I can avoid identity theft. I needed to lift the freeze with Transunion so that I could get internet service. Despite the fact that I provided Social Security Number, Birthdate and PIN number, Transunion would not lift the freeze because they claimed I had not changed my address in their records when I recently moved. However, on their own web site my account showed the correct address. They then required me to answer security questions and refused to serve me because I could not remember the credit limit on an unnamed charge card issued XX/XX/XXXX. They then required me to fax and mail copies of my drivers license, social security card, and a utility bill, but still did not fix my address in their records or lift the freeze. Finally after numerous calls and hours on the phone someone agreed to lift the freeze and i had to give a charge card number for a {$10.00} fee. Several days later I had to call back to get the " lift '' cancelled and the security freeze reinstated. They put me through all the same obstacles again. I had learned the credit limit on the XX/XX/XXXX bank card and gave it, and then they demanded the credit limit on an unnamed store card issued XX/XX/XXXX. I could not answer that question. Could anyone? I just kept repeating that I wanted the security freeze put back on my account and the lift cancelled. Finally they did as I asked. All these calls were handled by people speaking heavily accented and virtually unintelligible XXXX who rarely understood what I was saying and were clearly reading from scripts. I am sure this happens because Transunion wants people to give up in despair and order their so-called identity protection service which costs more that the leading service. They do not want people exercising their right to place security freezes and they make it as difficult as possible. This is not fair. This company should be punished.
Midland Funding attached a judgment/lien on my home. When doing a title search I discovered that the judgment was for my ex husband. I did not know anything about this. I was not notified this was on my title to my home. When I called Midland they said they could do nothing. They could not tell me anything because it was not in my name. They finally gave me the attorneys name but I got the same story. They also said they could not give legal advice when I asked why would his debt be on my home.
Payment never late. The amount paid was incorrect, lower than the amount due, because of an error when paying. When the error was discovered, it was corrected immediately. Never late before or since.
I initially requested an investigation of a fraudulent debt on My Equifax credit report XX/XX/2018 and Equifax failed to do so. 

On XX/XX/2018 I received an email from Equifax ( as attached ) stating a reinvestigation. It has been over 30 days and the fraudulent debt from XXXX XXXX XXXX is still on my equifax Credit Report. 

XXXX  And XXXX  have both proven the debt to be fraudulent and removed & blocked it from my credit report, but XXXX  refuses to do so without validating the debt.