WillisBack/dataset-financial-user-claim huggingface dataset:
I was speaking to a travel agent with American Express XXXX XXXX. She arranged an itinerary and booked the flight. She told me i could change the payment method but was just booking the flight. Within 24 hours i received an email that i was billed for the airfare. Before this i booked a hotel reservation online with Amex and it automatically billed my card without asking for payment method. I noticed that the hotel billed me for XXXX on my card which i did not authorize. I immediately cancelled the reservation and got a confirmation of cancellation yet the full room charges remained. I chatted with XXXX individuals through live chat plus XXXX more on the phone for a total of XXXX hours to try to resolve the unauthorized charge.Amex blew me off.
I sent requests to update my address information on XX/XX/2018 and XX/XX/2018 as follows : The only addresses that relate to my past 7 years of residence is : 1. XXXX XXXX XXXX, XXXX, XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Also the name listed with the middle initial " XXXX   '' as XXXX XXXX XXXX. My middle initial is " XXXX '' and I have provided State and Government ID to prove this information, but it continues to appear on my credit report ( s ).
XXXX came in my absence from my XXXX home atXXXX XXXX XXXX, XXXX. It was observed by my property manager that the destruction that ensued was major and costly to repair including holes in the wall, bending the aluminum opening of the sliding glass door to enter when it was locked and installing the cable modem on the wrong side of the room. My complaint went unheard, their only offer was to send someone, ( right, once a destructive burgler has entered your home, you MUST always open the door for them, on subsequent occasions, how about oh ... ... never ) They sited my agreeing to a contract ( no, it was not I ) it was someone who was NOT the owner of the residenceUnder NO CIRCUMSTANCES would I ever agree to have my home damaged ( I had just bought it, when this occurred ) Then they damaged my, NEVER LATE ON ANY PAYMENTcredit historyThis has already happened to me, but some strong negative reasons should be given this greedy, unresponsive, credit damaging company, to NEVER again do this to the next customer.
Placed a dispute request with Clarity Services in reference to inaccurate personal information and   unknown account ( s ) on my report.
Waiting for response from Clarity Services!
I have had the American express blue card for over 8 months with a perfect pay history and an average fico score of XXXX for this period. My credit limit was initially {$10000.00}. approximately 2 days ago, X/XX/2017 I received and e-mail from American Express stating they have lowered my credit limit from {$10.00}, XXXX to {$1400.00}. I called to ask why considering my perfect pay history and never utilizing for than 9 % of my credit available and was told it had nothing to due with pay history or responsible use of the card but a automated financial review system decided that I should have XXXX credit line without any notice or contacting me in advance. this has caused my credit score to drop because my account utilization has gone from 9 % to over 80 % because of this decision without my knowledge.
On XXXX/XXXX/16 Capital One agreed to settle my credit card account for {$800.00}. The {$800.00} was paid through my spouses bank account on XXXX/XXXX/16, which cleared the bank on XXXX/XXXX/16. On XXXX/XXXX/16 Capital One took {$75.00} from my bank account with no authorization to do so, the account was settled. I called in on XXXX/XXXX/16 to advise that an unauthorized payment was taken out of my bank acxount and the account with Capital One was settled out on XXXX/XXXX/16. I requested the funds be credited back that same day. The manager advised that it would take 15 days to be credited. 15-days expired on XXXX/XXXX/16 and as of today XXXX/XXXX/16 the funds have not been credited back to my bank account. I need assistance and I want to make sure this does not happen to other people.
To whom it may concern : I have lived in New Jersey since XX/XX/XXXX, and I bought my home in XXXX in XX/XX/XXXX. I 've had so many wonderful times living here and I expect to create many more memories in the future -- -I love living here and have had no intentions to leave. Unfortunately, my mortgage lender ( Everhome ) does n't seem to have the same intentions as I do. Due to a few of hardships and Everhome 's lack of cooperation, I am now facing foreclosure on my property. 
My problems began oddly enough with the hardship of my rental property tenant. His lost job forced him to default on his rent payment. I tried to work with him to help get him back on his feet ( hoping this would be a short-term issue ), but unfortunately he was unable to get back to a point where I could collect rent from him. This put a heavy burden on me, and when he left I was now facing roof and other home repairs ( more of a financial burden ). If that was n't enough, I also needed to help my sister financially through a difficult time. I struggled to keep the mortgage current, but I eventually fell behind in XX/XX/XXXX. 
Once I fell behind, I reached out to Everhome to see if we could do something to solve this problem. I applied for a modification, but I was constantly chasing my tail trying to get documents submitted to them. The process took so long, and then they went ahead and denied my application. They claimed that I made too much money!!!! I guess I needed to be worse off to qualify? My hardships were real, and I ca n't just fork over the arrears to reinstate the loan after they delayed the modification process for so long and kept tacking on all of their ridiculous fees. Plus, they would n't accept any payments from me during this process to keep the arrears in check. I do well as a sourcing manager, but that should be a positive when evaluating for a modification, not a negative, since I 'm showing a strong ability now to avoid this happening again. 

Everhome is always sending correspondence offering help with this situation, yet they are not actually making much of an effort to solve this issue. There has to be another answer other than foreclosure. Everhome puts so much effort and manpower into harassing me with collection calls, yet no effort to find a solution for someone anxious to do business with them and according to their own analysis someone who is more than capable of making a mortgage payment. I 'm not looking for any handouts, just some common sense to solve a problem. I am ready to move forward and make good on this mortgage, I just need a little cooperation from them. I would be grateful for any assistance towards that end. Thank you for your time.
Saxon Mortgage is inaccurately reporting the mortgage that I had financed with them. 1 ) The account is still reporting open on my credit. The account was sold to XXXX in XX/XX/2009. This account should be reporting closed. ( The Date of First Delinquency has exceeded 7 years therefore it should be deleted from my credit file ) 2 ) The Date of First Delinquency is reporting inaccurately. Saxon is reporting XXXX XXXX as the Date of First Delinquency. Based on the payment history they are reporting, the date that led to my account being placed in collections was XXXX XXXX. 3 ) I have duplicate mortgages reporting on my credit which is affecting my credit score and has affected my credit score since it was sold in XX/XX/XXXX. 6 years I have received a negative impact on my score for Saxon inaccurate reporting. All issues are a violation of FCRA.
TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with XXXX, XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct @ XXXX and they have failed to do so.
I initiated the bank to bank transfer with Wells Fargo to transfer {$1800.00} from   XXXX   XXXX   XXXX   XXXX   to Wells Fargo on   XXXX    XXXX , 2017. On the morning (   XXXX   XXXX   ) of  XXXX   XXXX , 2017 I called to cancel the web transfer, and was told by a Wells Fargo customer representative told that the transaction would be cancelled. Later that day, I check my   XXXX   XXXX   account and the funds has been withdrawn. I then called   XXXX   XXXX  , and was told to they would start an investigation. In the meantime, the funds were not appearing in my Wells Fargo account or back in my   XXXX   XXXX   account. On  XXXX   XXXX , 2017 I received a fax confirming that funds were transferred to Wells Fargo. I then called Wells Fargo because the funds were still not showing in my account, and had to start another investigation. I was told it would take up to 10 days to research my claim. That amount of time is unacceptable, as I do not understand why they are unable to find my funds relating to this transfer.
On XX/XX/2018 I submitted a dispute to Equifax. As of XX/XX/2018 they had not responded so I submitted a complaint that they had not responded in the 30 days regulated by the FCRA and requested they delete the items in question from my report per FCRA. On XX/XX/2018 they sent a report, in violation of the FCRA, showing they had not removed those item as listed below : ACCOUNTS XXXX XXXX  XXXX not mine PUBLIC FILINGS XXXX not mine
I have had several issues with this account. It is a store credit card for Victoria 's Secret. I spoke to their customer service team numerous times about an unrelated issue that ended with me requesting my account be closed in XXXX XXXX. I had one final balance due on the card which I paid for on XXXX XXXX, XXXX for {$60.00}. I then got a bill in XXXX which said I owed a late fee of {$28.00}. I was XXXX, but I paid that as well on XXXX/XXXX/XXXX. I was then charged XXXX for Account XXXX, as well as {$1.00} minimum charge on XXXX/XXXX/XXXX. I disputed this via secure message on my account site, as this account was supposed to be closed. I was then told that this was charge due to " purchases made outside a grace period ''. I have n't made a purchase on the card since XXXX XXXX so it made no sense. I again disputed this via secure message and did NOT pay the bill. I was then charged again for the same thing plus a late fee on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. My account was supposed to be closed, I should not be charged any fee or minimum amounts or late fees. This is ridiculous! I now carry a balance of {$3.00} on an account that should have been closed months ago.
My husband and I filed chapter XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Our Home was included in the bankruptcy. The home was mortgaged through XXXX XXXX. I have previously filed complaints against XXXX XXXX for their continued correspondence regarding payment of mortgage, insurance coverage and real estate taxes. I currently have an active complaint against XXXX XXXX - XXXX-XXXX. 
On XX/XX/XXXX, we received a packet of information from Specialized Loan Servicing LLC regarding our unpaid mortgage. Speaking with these individuals is like speaking to wall. 
I am frustrated beyond belief. These financial institutions are the most corrupt people I have ever encountered. 
I wish to pursue any and all avenues of recourse available to me. 
thank you.
Bought a car from DriveTme, Started having problem with car XXXX days after purchase called them and tehy told me to take care to warranty repir shop was refereed to dealership because the shop I took the car to could not do repair because they did not have the rigt equipment. drive time told me to take to dealership and they would cover the cost of the repair.When repair was completed the said they had to do a review to see if they were goig to pay for it. The car was broken when sold to me. and they lied and said everything had been checked out on the car. The engine service light came on XXXX day after I had the car Also the passenger air bag sensor was broken when the car was sold to me and this was not told to me Now i am without transportation and have medical problems ( XXXX that I can not get to due to their failure to live up to their contract.. I am very disappointed worried what will happen because I am stranded due to their breach of contract. can you help??
Matter Requiring Attention : Alleged unethical treatment of principal pre-payments when monthly mortgage pre-payments were made.

-- -- Situation : In early to midXX/XX/XXXX, I made ( 11 ) monthly mortgage pre-payments and some principal pre-payments. By beginning ofXX/XX/XXXX, the principal balance was {$100000.00}. Around the first week of XX/XX/XXXX, I used Wells Fargo 's online interface to get a payoff estimate, with an anticipated payoff date of ~mid-XX/XX/XXXX. The website returned that I would be refunded ~ {$3600.00}, which seemed to make sense to me given an interest rate of 4.000 %.

On XX/XX/XXXX, I made a principal payment of {$50000.00}, resulting in a residual principal balance of {$50000.00} that remains unchanged as of today, XX/XX/XXXX.

About a week after that principal payment, I again used Wells Fargo 's online interface to get a payoff estimate, this time with an anticipated payoff date of ~XX/XX/XXXX. The website returned that I would be refunded ~ {$1800.00}, which implies a partial principal pre-payment would have forfeited my right to recover the corresponding pre-paid interest.

-- -- Inquiry Context : Several prior attempts through the CFPB as a conduit were made to shed light on Wells Fargos practice. On XX/XX/XXXX, I initiated an inquiry through the CPFB to gauge the impact of a potential future {$45000.00} principal pre-payment on a payoff estimate. Wells Fargo responded on XX/XX/XXXX. In its response letter, Wells Fargo stated " At this time, with the account being due for the XX/XX/XXXX, payment, and the payoff calculated through XX/XX/XXXX the overpayment of interest is {$490.00}. [ ... ] If you were to make a {$45000.00} principal payment as indicated in your inquiry, you would need to request an updated payoff statement at the time to determine the correct payoff amount. I'm sorry for any stress or aggravation this might have caused you. '' Above statements suggests : Wells Fargo understood the inquiry, however declined to disclose the impact of a partial principal payment on a payoff estimate, which I deem both unreasonable and further damaging.

A prior letter from Wells Fargo suggest they simply use " Unpaid Principle Balance '' ( UPB ) to calculate any required at the time of a payoff.

The CFPB provided a conduit for written communication, however whether any other supervisory action has been taken to date is unclear.

-- -- New request of Wells Fargo, to be answered point by point : 1. Assume I make a principal pre-payment of {$45000.00} on XX/XX/XXXX. What would be a likely payoff estimate calculated through XX/XX/XXXX, with an accuracy range of plus or minus 10 %?

2. If you decide not to provide an estimate as requested by point # 1, please explain why you are unable to do so, keeping in mind the intent of the inquiry ( i.e., plus or minus 10 % accuracy being acceptable ).

3. Using your historical records on the account, please provide an estimated payoff amount as of XX/XX/XXXX, calculated through XX/XX/XXXX.
Today,  XXXX / XXXX /  XXXX  ,  Portfolio Recovery Associates  called my supervisor 's private line  ( a number not publically listed ) and asked for me by name. She told them that they had the wrong number, which is accurate. She is not me. I have no idea what the call was pertaining to, but I googled their business name and see that they have a reputation for pulling these shenanigans on many people. Whether or not I actually owe them or someone they collect for is unknown, however, when my supervisor asks me if I know who they are and that they called her asking for me, I was mortified and completely humiliated.
On X/XX/17 I reached a settlement agreement with Bank of America for the account ending in XXXX with an original balance of {$14000.00}. The account is now paid in full. Bank of America updated my credit report with all three bureaus to reflect the payment I made, showing a remaining balance due. The accounts do not show paid in full and remain as charge offs. I have exhausted the dispute resolution process with XXXX, XXXX, and XXXX and am seeking assistance from the CFPB to resolve the matter. I have attached the settlement letter and a recent copy of my 3 bureau credit report. <P/>Bank of America has been paid since XX/XX/XXXX and the company has failed to timely send confirmation of settlement to me, and failed to accurately report the account on my 3 credit reports, to include inaccurate investigation results.
I use bill pay on a regular basis to pay rent, this month payment hasn't been delivered with over 10 days, they debited account for this whole period as a result apartment is charging me additional late fee and gave me an eviction notice. Chase is stating that it's out of their control and it's not their responsibility.
To whom this may concern, I received a letter in the mail about a special offer for VA loan for 2.25 % back in  XXXX .  2017 . So I called  1st s ervice mortgage that 's in  XXXX  Fl, to ask about the offer. I was told yes I qualified for the offer becau se my credit score wa s high enough and I have n't miss any payments on my loan. He proceeded to tell me that I can miss the f irst two months of payments and make my first payment on the third month. My rate will stay at 2.25 % for three years and only go up 1 point after the 3rd year. Then I can lock my loan in for 30years at 3.25 % as long as I keep my credit score up ov er  XXXX . So I ask him what happens if I do n't keep my score up, then he said I need to get out of the loan because my % rate will go up. So I said as long as my credit scores stay up I can stay locked in for 30 years at 3.25 % and he said yes. I wanted to be sure of that percentage rate because  my 1st loan was at 3.87 % and I was n't going to take a loan that would put my interest higher than my 1st lo an was. So we did the closing on  XXXX   XXXX ,    2017  and he also said that I would get an escrow return back between {$2000.00} to {$2200.00}. I only received {$1100.00} back and a smaller escrow of {$200.00}, but I only received {$100.00}. Now I found out that my  credit score has nothing to do with locking my rate in, it 's determined by the market so my % rate will go up any way. I have learned that they will charge me way to much to do a VA loan like this. The loan officer i s  XXXX   XXXX  who made the loan and my pay off for the loan was {$210000.00} the amount is now {$220000.00}. I find out this was to much.
Debt validation request was sent onXX/XX/XXXX to credit collection agency to provide signature/contract and other documentation that would validate this alleged debt as mine. Received a response from the collection agency onXX/XX/XXXX that did not validate this debt or send any type of documentation to fully support their claim that the alleged debt owed is mine.
We got home phone service from XXXX XXXX XXXX XX/XX/XXXX. We immediately received automated telephone system calls every weekday and they want to speak to XXXX XXXX. These automated calls do not allow you to simply press a button and speak to someone. You have to write down their number and call them. We registered our home phone number on the do not call list on XX/XX/XXXX because of these calls. I filed a complaint with the FCC on XX/XX/XXXX. 

I notified the caller on these dates and times to stop calling and that we do not know XXXX XXXX, we are on the DNC list and we just received the new phone number. I begged them to stop calling. 

XX/XX/XXXX at XXXXXX/XX/XXXX at XX/XX/XXXXJust per review of the incoming call records from XX/XX/XXXX - XX/XX/XXXX and in that 18 days they called us 19 times, including 8 times ( every single weekday ) after the second notification on XX/XX/XXXX. 

They use several different telephone numbers, which they continually change so you can not block them, XXXX : //XXXX They also use different company names, e.g., XXXX XXXX XXXX , XXXX.XXXX PCHarris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. 
Harris and Harris of Illinois, Ltd. 

This morning their call right after XXXX woke up our child. Please make them stop harassing my family. Thank you!
Account # XXXX On XXXX the XXXX I was hit with two over draft fees. My balance currently XXXX, XXXX of fees. Consisting of {$34.00} each. I contacted XXXX and was informed that fees could not be waived manually, but he could submit for a review and they could possibly be reversed. The agent also stated I could callback within 24 hrs to check on status. The same night I called back and I request to speak to a manager, the manger proceeds to inform me that I had to wait XXXX chance of it being reversed. On XXXX XXXX, XXXX I call in the morning to check on status, rep and manager inform me that this is not a process or company policy. I was deceived by a representative and a manager.
I have noticed that Enhanced Recovery Corp has inserted a collection item on my XXXX credit report. It has an opened date of XXXX XXXX, 2016 and a last reported date of XXXX XXXX, 2016. I have never received any communication, written or otherwise, from this alleged creditor and have not received notice of my right to dispute. Their failure to send dunning notice within the 5 day period set forth in FDCPA 809 ( a ) is a violation of that section. 

I do not know this company, I do not believe I owe them anything, I dispute their claim on my credit report, and I demand that they stop all collection activity pursuant to the FDCPA, including illegally furnishing information to the credit bureaus. 

I have never agreed to do business with them, and they are not mentioned on any contract I 've ever signed with anyone. I demand full validation from them, including : 1. A copy of a contract between Enhanced Recovery Corp and myself with my true signature on it, 2. A full accounting of the alleged debt and the dates these events occurred, 3. Proof of assignment or ownership and a full chain of assignment, including what they have paid for this alleged debt, 4. A copy of the contract between me and the original creditor with Enhanced Recovery Corp mentioned showing that they had some interest to protect, 5. Proof that the alleged debt is not outside the statute of limitations, and 6. Proof that they have my consent to slander me on my credit reports, which has to be in writing with my signature on it. Without this proof, they must remove all traces of their slander from my credit reports. 
Under NO circumstances do I authorize or give any consent to Enhanced Recovery Corp to furnish any information to my credit reports, nor to take any actions that would result in an inquiry on my credit reports from their company.