WillisBack/dataset-financial-user-claim huggingface dataset:
Attached is one of many, many letters I 've received encouraging me to refinancing my existing mortgage loan. I feel the letter is extremely misleading and basically nullifies all the effort the CFPB has put into ensuring mortgage customers are adequately informed of the conditions of their mortgage. I 'm sure the lender 's legal team has reviewed it for compliance but I believe it violates the intent of the disclosure laws. For example, the letter states : - You may be able to save an estimated {$110.00} per month by refinancing. It 's not until you read the fine print that you find out that : o The offer is a XXXX adjustable rate with caps of XXXX. How many people understand what this means? 
o It assumes a credit score of at least XXXX, a loan to value ratio of 60 % and debt to income ratio of no more than 43 %. 
o It assumes an existing mortgage rate of 3.950 % ( my existing mortgage has a lower rate than that ). 

- You may be able to defer your first mortgage payment saving you {$1000.00} right now. The footnote goes on to say " If your closing is timed correctly and you do n't make the payment the month you are closing, it is possible to add that interest into the new loan. '' It fails to mention that your payment on your existing loan may be delinquent and reported to a credit bureau as such. 

- We 'll waive all lender fees and provide a free appraisal for future refinances. How is a borrower to know what is a lender fee and what is n't? Furthermore, the footnote for the free appraisal says if you ever decide to refinance for any reason.. .loanDepot will waive all lender fees and reimburse appraisal fees on you refinance. '' Are they talking about this refinance or a future refinance? 
I could go on and on about the misleading letter and deceptive footnotes. Suffice it say that I 'm sick of these nationwide lenders clogging the market with this kind of XXXX. It confuses the public and, in my opinion, discourages all lending.
Mid South Adjustment XX/XX/XXXX I received a call telling me that I needed to pay 33 % or my debt to avoid further action of debt collection. She statedy last payment was XX/XX/XXXX of {$10.00} and I asked if she realized it was still XXXX. She said yes. I needed to make a payment of that 33 % and set up a payment arrangement to avoid action. I told her she can not accept money from me and take action until she declines it and to have a nice day. The have never called me until my balance hit {$100.00}. 
My payments are as follows. Two accounts. 
Original balance XXXX - XX/XX/XXXX - {$18.00} - XX/XX/XXXX - {$18.00} = {$95.00} - XX/XX/XXXX - {$10.00} = {$85.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} = {$55.00} Original balance XXXX - XX/XX/XXXX - {$18.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} The company does not provide receipts, statements, or new bills. I called and asked. I was told to keep up with it until the balance was paid in full. This was XX/XX/XXXX XXXX XXXX
My credit card experienced unauthorized charges. The credit card company, First National Bank of Omaha, did reverse all the charges, however after concluding their investigation and that I was not responsible they closed my credit card account. I request respectfully that they reconsider and re-open my credit card. The fraudulent activity in this matter appears to trace to an address in a crime stricken area of XXXX XXXX where I do not live and have never lived, about XXXX miles away from me, and a proper investigation by XXXX has proven that I have nothing to do with that address as well. Why is it that insult has been added to injury and my credit card closed when I have done nothing wrong?
I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
XX/XX/XXXX a Macy 's bill had some charges that I did not make. The charges were at a Macy 's in XXXX, TX. I moved from XXXX in XX/XX/XXXX. Secondly, I have severre scolioses and am unable to walk in the large store. I disputed the charges with Macy 's, closed the account. Macy 's would send us papers to fill out but I did not know or have the list of charges to put down since I did not make them. The reason I did not have the original bill was on XXXX XXXX, XXXX I was car jacked and my purse was stolen. I would try to get the list from the Macy 's website but because the account was closed I could not retrieve the list. I asked for receipt signatures from Macy 's and they were never given to me. Macy 's proceeded to put late charge after late charge on the bill. After months of getting no where I paid the bill and they would not take of the late charges off. This has hurt my credit and they did not care who made the charges they wanted the money regardless.
Please help me prevent foreclosure to my property at XXXX XXXX XXXX which I have owned for twenty years as single woman head of house with no assistance nor help from anyone. After 15 months of continuously contacting my lender Ditech Financial/Green Tree Services denied my application over four times as a request for Special Forbearance and Mortgage per the investor request I have diligent prepared for months and worked directly with XXXX, XXXX XXXX & XXXX XXXX with NO Final Resolution and a unexpected/surprise Foreclosure Notice the day I submitted the final requested XXXX 2015 bank statement on the XXXX/XXXX/2015 the same day I received a notice I was denied plus received from the Attorney XXXX XXXX XXXX XXXX XXXX. foreclosure number. 
During the time Ditech Financial acquired Green Tree Service I was in process of completing the application process. Upon my attempts to make several calls to Ditch/Green Tree Services I have never seen such unprofessional non-responsive after contacting them for 15 months to work towards a mortgage modification resolution. I have numerous home repair issue I have attempt to repair using life savings and canceling insurance policies. I desperately need assistance to save my home from foreclosure as I have repeated called everyday since completing the Request For Mortgage Assistance application. I have the property listed and a buyer wants to purchase but no response from Ditech/Green Tree Services since XXXX XXXX, 2015. My roof is leaking, the foundation is cracking from the drive way unto the garage, my AC unit is not working and I can not afford to have all these items repaired. Again I have not been able to speak with XXXX XXXX my Ditech/Green Tree Account Representative for she is non-responsive plus continues to answer my calls but puts me on hold and returns to address my request for a Short Sale.
I am a victim of identity theft that occurred in 2015 or before.. I became aware of the breach and took action in 2015.

I have filed a police report and your FTC Affidavit.

I am a XXXX XXXX and can not seem to understand why this company keeps pursuing me on a debt that is not mine.. This is crazy.. especially a debt that does not belong to me. I am getting ready to sue these people but before I spend additional money trying to resolve this I figured I would reach out to my government.
XXXX XXXX sent me a letter on XX/XX/XXXX staying they was going to take me to court for a debt I do not owe. I have never heard of this company until now I also called and filed disputed the debt they was extremely nasty with me and asked me very personal questions I asked for validation letter when I received the papers it looks like they typed up something and just printed it off the address isnt correct at all. These are very nasty people and they will not help you or explain anything to you.
Previous complaint filed against  XXXX   XXXX  relative a defective mattress delivered  XXXX    XXXX   with no communication or follow up from the store to resolve the issue.     The conclusion of the previous CFPB complaint states : Please note Comenity Capital Bank and  XXXX  are  two s eparate entities. The Bank issues and is responsible for addressing questions related to the credit card account.  XXXX  is responsible for handling matters related to sales, merchandise processing, returns and shipping.  XXXX  informed us they will attempt to schedule a service technician to inspect the merchandise and come to a resolution.     Since this response and closure of the complaint,  XXXX  still has not made any attempt to resolve the issue. A refund should be granted.      XXXX  also lied and stated no communication was ever received but clearly there were  XXXX  separate emails sent to the same email address on different days per their request. Attached is confirmation that the email address used is correct and a regularly checked email inbox.
On  XXXX / XXXX /  XXXX   I deposited a {$250.00} typed bank check from  XXXX   XXXX    XXXX   into my Bank of America checking account. The funds were immediately electronically withdrawn from  XXXX   XXXX  & deposited into my account. On  XXXX / XXXX /  XXXX  ,  four  days after the transaction was completed, Bank of America seized the {$250.00} from my account. As reviewing my account transactions on  XXXX / XXXX /  XXXX  , I observed that  BOA  had seized my deposit. I immediately began calling BOA customer service centers to resolve the problem. I was told on  3  separate calls to  BOA  customer service centers that the money was seized because the original check could not be verified. BOA claims the bank check could not be read well enough to be verified, yet their online banking center provides me a crystal clear image of the check in question. BOA read the check well enough to withdraw the funds from the correct  XXXX   XXXX  account, yet could n't read it well enough to keep the funds where deposited? I contacted the   XXXX   XXXX    XXXX   customer to discuss the issue & see if their funds were returned. The   XXXX   XXXX   XXXX    customer immediately began investigating the fund withdrawal through a  XXXX   XXXX  telephone representative. The investigation with  XXXX   XXXX  found that t BOA  did not try to return the seized funds to the   XXXX   XXXX   XXXX   or the  XXXX   XXXX  customer. BOA did not make any effort to notify me that they were actively withdrawing money from my account for any reason. My calls to  BOA  resulted in rhetorical circle explanations stating there was nothing I could do whatsoever to resolve the problem. In the manner in wh ich BOA  dismissed this issue, offering no resolve or assistance ; I do not believe this is an isolated incident. I firmly believe that BOA is performing these types of scenarios to people ( especially since the amounts are low enough to not afford a lawyer to take to court ). I truly believe  BOA  is running a scam, in small amounts to avoid massive public push back. They target random people, hoping to prey upon the elderly or individuals who speak  XXXX  as a second language who do n't know how to push back against an enormous corporation. The fact that the seized funds of {$250.00} makes me all the more suspect. Who, in their right mind, would hire an expensive lawyer to fight for {$250.00}? No one. Which means,  BOA  can conveniently make these types of monetary  seizures to  millions of bank customers and probably get away with it. This is an enormous illegal money making scheme that someone needs to investigate. I bet this scheme is netting millions from innocent customers.
BB & T is showing activity on an account that has had zero activity since the account was closed in XX/XX/XXXX. This is only incorrect on the XXXX credit report. The account shows payments being made throughout XXXX, XXXX and XXXX, and then is showing failure to pay during XXXX, XXXX, XXXX and XX/XX/XXXX. No payments were made to this account sinceXX/XX/XXXX.
I WAS LIED TO AND TRICK INTO CO SIGNING MY SISTER ASK ME COULD SHE USE ME AS REFANCE SO SHE GET A CAR .I TOLD HER XXXX NOT CO SIGNING SHE SAID NO NOT THAT.THEN SHE PUT ME ON PHONE WITH THE GUY SHE WAS BUYING THE CAR FROM WHICH A CAR DEALERSHIP.I TALK TO THE GUY I TOLD HIM I'AM NOT XXXX SAID NO JUST NEEDED ANOTHER XXXX ON HER APPLICATION SO I SAID OK AS LONG AS XXXX HAVE CO SIGN OR PAY HER DEAIT. SHE GOT THE CAR AND REPO IT IN XXXX MONTHS NOW IT ON MY CREDIT REPORT.FOUND OUT SHE WENT WITH THE GUY I WAS LIED TO.
Account was moved from XXXX to Citibank. During this time I was out of town, but had auto-payment set-up. I was not notified before my departure that the move would be made, and this caused my account with a balance to be moved to Citibank. When that happened, my auto-pay was cancelled by Citibank and I was made delinquent. I contacted Citibank and they agreed to nullify delinquency and my fees/interest as the move to Citibank was made by them and my auto-pay was cancelled without my permission.
I speak with Naient multiple times a week regarding lowering my student loan payments. They will not work with me, I can not pay the full amount but I can make a smaller payment. They have spoken to me condescendingly and become nasty with me. They call repeatedly throughout the day and they have contacted friends and family even though I willingly make contact with them and speak to them regarding my current situation.
In XXXX of 2016 Citibank was offering a promotion for opening a new checking account and funding that account with {$15000.00} or more within 30 days of account opening. The promotion offered a {$400.00} bonus. 

On XXXX XXXX I applied over the phone for a qualifying Citibank checking account ; there are no local branches where I could apply in person. On XXXX XXXX I was told that the account would be reviewed and that paperwork would need to be completed prior to the account being opened. I received the paperwork via mail and returned it. 

On XXXX XXXX I called Citibank to inquire about status of my account and was told that the paperwork had been received and processed and the account open date was XXXX XXXX. I asked if the promotion would be in jeopardy given that 20 days had elapsed since my application and was told by a Citibank agent that the 30 days for the promotion would commence from XXXX XXXX, not XXXX XXXX. I electronically linked the new Citibank checking account to my other bank account and transferred in the {$15000.00}, which arrived on XXXX XXXX. 

After the waiting period expired I contacted Citibank to check on status of the {$400.00} bonus and was told that I was not eligible. Citibank was now using the XXXX XXXX application date instead of the XXXX XXXX account creation date as the start date for the promotional period. The primary issue at hand was that prior to XXXX XXXX there was no account number provided to me that would allow me to transfer funds. I called Citibank a number of times and escalated my concerns to their supervisory team but after two formal reviews, including one where Citibank acknowledged the XXXX XXXX account creation date, they did not consent to honor the bonus offer.
I had previously opened a simple checking account at Wells Fargo. Soon after, during a visit to the branch I was approached with the recommendation of opening XXXX separate accounts! They convinced me to open a separate account for each and every rental house I own. They spoke of tax benefits and gold memberships and things that did n't make much sense but they sold me, after I made sure there were no fees attached to these accounts. I specifically never open accounts that will charge me fees. Never. And I would never ever open XXXX accounts with fees!! I was assured by XXXX XXXX that no fees would be charged to these XXXX checking accounts. I found XXXX checking accounts to be cumbersome, confusing and impossible to manage, and worse, after three months had passed, I began to notice service fees being taken out of XXXX of those accounts!! I was furious! I went back to XXXX XXXX who convinced me to open all these accounts, and demanded to know why they were charging fees when she specifically promised me there would be no fees. She had the audacity to tell me it 's just the first three months in which no fees are charged, but after three months the fees start. No way had she ever told me this. This woman straight up lied to me. She specifically told me no fees would be charged. NO way would I have opened XXXX extra checking accounts that I did not need, and pay XXXX times the fees. I was lied to and cheated, I was used to boost the bank 's new account ratings and stock prices. I was a pawn, not a customer. I was used and cheated by Wells Fargo Bank.
XXXX, Direct loans and other companies have constantly caused problems which damaged my credit and has led to filing bankruptcy twice. They have constant sold my loan from one company to the next capitalizing the interest over and over. I never received the interest rate that they promised over the phone. This has been a constant financial burden to me in such that it has caused me severe financial harm. They would ask for paperwork to be sent to them over and over stating they got it but it was lost or claiming I did not send it.
I had an account with XXXX that was opened in XX/XX/XXXX. The account was sent to Midland Credit Management in XX/XX/XXXX for collection. They continue to report my status as a charge off even though it was paid. In XX/XX/XXXX I had lost the information for MCM after making payment arrangements. I called XXXX to get their information and was told I could make payment through them, so even after selling the account off, they illegally took a payment from me in XXXX XXXX, thus allowing them to re-date the account on my credit report. XXXX also shows the date of 1st delinquency as XX/XX/XXXX, however, supplies no data for any month from XXXX XXXX through XXXX XXXX, other than the months in collection. Midland is reporting they received the account in XX/XX/XXXX, though XXXX shows them sending it to collections XX/XX/XXXX, thus allowing Midland to improperly report the information and further affect my credit longer. Midland also reports the account as " Paid account/was a collection account, insurance claim or government claim or was terminated for default '' in an attempt to make a lump sum status even though each of these items carry a different rating with lenders thus affecting approvals differently and they also look for liens/judgements when a debt is tied to insurance/government claims thought that is not the case. Both of these companies are unfairly trying to prolong their negative reporting has on me as a consumer.
I transfered an IRA account from BB & T bank. This account was origionaly with the XXXX. BB & T deducted XXXX Dollars from the account when they transfered it. The instition which I depsoited the money origionally would not have done this. This deduction was done without them telling me about it.
I have filed several complaint about the collection agency XXXX, Address XXXX, XXXX XXXX, XXXX, SC, XXXX. Amount of debt is {$3500.00}. 
Equifax has not removed this account even though I have disputed this account several times. XXXX has removed it, but Equifax has refused to remove account. 
The account # listed to Equifax is XXXX to XXXX amount owed {$3500.00}
GM Financial has not released a lien on my vehicle. I paid them the balance of the loan via XXXX XXXX as requested by the company and per their company policy they stated the lien release would happen in XXXX business days. GM received the balance of the loan on XXXX/XXXX/16, per their customer service rep. and it is now XXXX/XXXX/16, and the Arizona Motor Vehicle Dept. still has not received the lien release electronically. GM 's rep. states it was done XXXX/XXXX/16. I received a notorized Lien Release letter XXXX/XXXX/16, and contacted the AZ MVD and they state they have not received an electronic lien release from GM.
I paid my account in full on XXXX XXXX, 2012. Synchrony Financial is not responding to written request to acknowledge a paid in full status. They continue to bounce my calls through multiple layers of the organization with no substance or response.
For the past nine months dating back to XX/XX/2017, I have been in dispute with Transunion re : a derogatory tradeline reported by a company named XXXX XXXX XXXX alleging that I owe a balance of {$230.00}. I have requested Transunion verify this account with factual tangible documentation bearing my signature proving this account is legitimate and belongs to me. I have requested the names, addresses, and telephone phone numbers of actual people Transunion verified this account with. In addition, I have requested Transunions method of verification and to no avail, all my requests have been ignored. In response to my dispute, I have received nothing more than a computer-generated response letter continuing to claim this derogatory XXXX XXXX XXXX account has been verified and is being reported accurately. Upon the initial dispute with all three credit bureaus back in XX/XX/2017,  XXXX and XXXX promptly deleted the derogatory XXXX XXXX XXXX account from my consumer credit reports as XXXX  and XXXX were unable to verify the XXXX XXXX XXXX account belonged to me and that the account was being reported accurately. Based on XXXX and XXXX  response to my dispute re : XXXX XXXX XXXX, I believe Transunion is acting in bad faith and violating my consumer rights as well as the Fair Credit Reporting Act section 609 and 611 by not complying with continued requests for factual documentation, substantial evidence, and method of verification to verify this Enhanced Recovery Company account. This is my final attempt reaching out to XXXX requesting compliance with federal laws and for the permanent deletion of the derogatory tradeline being reported by XXXX XXXX XXXX. Since XX/XX/2017 Transunion has been unable to verify and substantiate their claim this Enhanced Recovery Company account belongs to me and is being reported accurately. In receipt of this CFPB complaint and at the expiration of the allotted time frame given to Transunion re : this matter, should Transunion continue to report this unverified XXXX XXXX XXXX account on my consumer credit report, I will be pursuing legal action seeking damages for violations of the Fair Credit Reporting Act including but not limited to section 609 and 611.