WillisBack/dataset-financial-user-claim huggingface dataset:
I am applying for a home equity loan, and during the process, I was informed by XXXX XXXX that LoanCare is showing a lien on my property. I called LoanCare on XX/XX/XXXX, and received a copy of the release, dated XX/XX/XXXX for {$260000.00}, XXXX XXXX XXXX, page 1495. After careful review of the release, I noticed it incorrectly shows XXXX County, instead of XXXX County. The XXXX County Clerk of Superior Court does not have record of the release, so it seem clear the release was sent to XXXX County. I have spoken with a number of representatives at LoanCare, left several messages with supervisors, as well as completed a LoanCare Request an Advocate form online, but I still can not get any assistance resolving this matter.
I am a XXXX XXXX XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/XXXX. During the administrative work with SSA and XXXX XXXX. XXXX XXXXXXXX and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus. 

The credit bureaus have not removed the late payment markings on XXXX XXXX  XXXX XXXX updates in XX/XX/XXXX and XX/XX/XXXX. 

Again, none of these loans were ever late prior to my XX/XX/XXXX Social Security XXXX XXXX XXXX onset determination date. 

The dates of misreporting are last reported during XX/XX/XXXX-XX/XX/XXXX. There are about 33 occurrences of this error in each report, often with 7-14 months labeled as Late Payments from XX/XX/XXXX-XX/XX/XXXX. This constitutes approximately 231 incorrect items per month since XX/XX/XXXX subject to FCRA penalties or fines.
We requested a mortgage through Chase Bank. We received full qualification for the loan amount., however the appraiser did n't take appropriate time to appraise our home. He estimated below value using distressed properties and not correct counting bedrooms and baths. We appealed the appraisal, chase sent the same appraiser out again and he modified the appraisal with the correct bedrooms and bathrooms, but fraudulently concealed information that show one of the comparables was distressed. When brought to Chase Bank 's attention again on a second appeal they dismissed the evidence.
Hello, I have  a credit score o ver  XXXX  and a credit history  of 20+ y ears y et Capital One always re jects my application. It appears that they do not grant credit cards to customers who have   XXXX   XXXX  . When completing the form they ask if I am a citizen of another country and ask which country. I question the legality of this. Thank you
This past Friday ( XX/XX/2019 ) I was the seller for a transaction closed by Quicken Loans and their attorney XXXX XXXX XXXX of XXXX MA. When I received the seller CD I noted two junk fees totaling {$250.00}. I requested they be removed but they were not. I requested a check for my proceeds be brought to the closing but was told the attorney had no checks and therefor he needed to wire the money. He sent the wire at the end of the day even though the transaction went to record at XXXX XXXX The wire was credited to my account today ( XX/XX/2019 ) and was short {$740.00}. The amount did not equal what the seller CD said I would be getting. I emailed both the closing attorney and my attorney first thing today. Having not hear anything for a few hours I looked the attorney up online and learned that the email address provided on the CD was not his work email. He has an email address and the domain for his law firm but gave a XXXX email address on the CD. The are multiple violations of TRID an probably a criminal complaint for the funds.
Multiple inquiries that did not result in an account were placed on my credit reports that were not mine. I asked that these items be removed immediately. I have sent letters to the credit report agencies and have gotten no response in return.
Here is the complaint letter that I sent to the CEO office : I am XXXX of your customers and I was hoping to seek your assistance with my mortgage. 
I am really getting frustrated with getting a problem resoled and I know that your company does n't want the customers to feel that way. A SALE DATE IS SCHEDULED FOR XXXX I have been trying to obtain a loan modification with your company for many months, however it seems that Wells Fargo does not want to help with this. 
I am recently going thru your re-entry team and we have been in contact with them regarding the file. 
Back in XXXX XXXX, we submitted the workout review and was denied because of the income was not sufficient to support the modification. 
Then we resubmitted a new application and in XXXX XXXX, we were told that the file was removed because there was an incomplete application and documents were not submitted on time. 
On XXXX XXXX, a new application was resubmitted and according to the underwriting department in the re-entry team they reviewed the file as of XXXX XXXX and the XXXX stated that there was not enough income to support the modification. 
I called the re-entry team and was advised that the new application was not reviewed showing the updated income supporting the new modification, that instead they reviewed the OLD financials and not the current ones. 
At this time, I am requesting for Wells Fargo Executive office to review my file and to postpone my sale date so that they can see for themselves that what they are doing is injustice I have been working very hard and providing Wells Fargo all the documents way ahead of time, but it seems that they are not willing to help me out with my situation. 
I LOOK FORWARD ON HEARING FROM YOU. 
CC : Consumer Financial Protection Bureau & XXXX XXXX, Attorney General for Missouri
My mortgage company ( Stearn Lending, LLC did not pay my XXXX property tax out of escrow. I received a past due notice from county treasurer office XXXX. I immediately called the mortgage company and the customer service rep told me they will look into it and will get back with me within 2 weeks. Since then, I have made an additional XXXX phone calls to check the status of the situation and each time, they put me on hold, so that the can look at the account and then tell me that they will investigate it and get back with me within 5 business days. I never get a call back from them. I have mailed the orginal of the tax notice and faxed the tax notice per their request. I have even gone on-line and submitted my complaint and I still havent received a reply after 2 weeks.
I Initiated a wire transfer with XXXX through the owner of the site, Coinbase INC on XX/XX/XXXX. The wire transfer was in the amount of {$2000.00}. XXXX promised the money would be available same day as showin in the screen shot attached. I have yet to receive the money in my XXXX USD Wallet where it was to be deposited. I submitted a case to their support department through XXXX  explaining the issue on XX/XX/XXXX. The case number is XXXX. I have yet to receive a reply. I got confirmation from the bank that same day the funds have been received by the receiving bank XXXX XXXX XXXX XXXX, NY which I believe also holds some responsibility and should be notified. I also sent an esclation ticket for the wire transfer at this site XXXX XXXX  XXXX either XX/XX/XXXX or XX/XX/XXXX and have yet to receive a reply. I have been very patient in waiting going on almost 2 weeks now for a wire transfer that was suppose to be done the same day. This has been plenty of time for any kind of delay or additional handling this process may have needed for whatever reason. I feel like my money has been stolen now.
I disputed information on chexsystems   in regards to suspected fraud activity being reported by XXXX XXXX XXXX Missouri from XX/XX/XXXX. In XX/XX/XXXX I had my bank card and old checks from an old XXXX account stolen I reported my card stolen but at the time unaware that the checks were gone. Two checks were deposited at an atm to my account and the account was closed due to suspected fraud activity. I have since cleared this issue up with XXXX and reached out to XXXX XXXX XXXX after receiving copies of a signature card bearing my signature as well as checks from my account bearing my signature and the stolen checks bearing what is deemed as my signature, I spoke with a rep on XX/XX/XXXX who transferred me to a rep in the fraud dept who stated she was unable to handle and that I needed to speak with someone in risk department who stated that I once again needed to speak with fraud dept., None of these reps offered for me to send the documents I had nor did they look into any documents they may have had. I am just looking to have suspected fraud activity removed from chexsystems and XXXX XXXX XXXX. Thank You in advance
I was contacted by a collection agency regarding a collection account for XXXX utility company, an account not opened by me but by my mother without my permission. They would not let me dispute the claim even with all of the evidence to support that I didnt not open the account. I was aware of the address used on the account because I had lived there while in high school. The account was opened while I was away for college. I told them not to contact me, as my mother agreed to be responsible for the payment. They were given her contact info and told to contact her not me. For the past two weeks, they have called me everyday at XXXX. I answered one time and the man on the phone was trying to force me to pay after explaining the situation and telling him to contact my mother and not me.
I applied for the Barclays black card back in XX/XX/XXXX. I was told i was denied then due to delinquent car loans, not enough consecutive on time payments with XXXX  XXXX and XXXX XXXX. The gentlemen told me if i got the car loans removed or fixed and at least 6 months of on time payments then I would get approved. 

on XX/XX/XXXX I applied again, since the last application I got the car loans removed and several fraudulent accounts removed as well ( 2 car loans and a credit card ) that were not mine. The girl i called with the reconsideration line rejected me saying she could see no more car loans existed and that I had on time payments dating back to XX/XX/XXXX but i got denied due to a charged off card in XXXX, short sale house in XXXX and XXXX XXXX card over the limit. My XXXX  XXXX card is {$88.00} balance of {$600.00} currently, my ability to repay creditors has greatly improved since the credit one charge off, my divorce in XXXX which i couldn't help was the reason by court order why i had to sell the house as a short sale. 

I am being deceived by barclays card when I am simply trying to fix my credit, now that I am more financially responsible and secure I believe i should have access to a great card. 

I want a honest reconsideration not a millennial telling me how I ran my life and putting Barclays in a deceiving position.
I write Transunion in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this!
My Request for Mortgage Assistance ( RMA ) application was denied due to my loan already reaching its original maturity date ; however I am appealing this decision due to the following Ocwen impediments which got in the way of a timely submission:1 ) No continuity of contact with Ocwen XXXX I 've spoken to XXXX agents and been assigned XXXX Relationship Managers in three months. 

2 ) One example of an unnecessary time delay was when I was rescheduled for an appointment 18 days after we got disconnected! 

3 ) Received inaccurate and inconsistent information on solutions in a timely manner as well as when and how I could submit the application. The HELOC is on a rental property that is " under water '' due to housing values in this area not returning since the great recession and hence no refinancing can be done to recoup the full principle balance ; however, I am still able to make the monthly mortgage payments. 

4 ) Ocwen 's inability to receive my RMA submission after being told where to send it and Ocwen 's inability to perform any appropriate follow-up in a timely manner.
1 ; Justice Dept. fined Bank of America ( BOA ) XXXX " in a historic settlement for financial fraud leading up to and during the financial crisis ''. As a result, my wife & I received a letter XXXX XXXX, XXXX from BOA stating we were " approved for their full principal forgiveness program '' for our mortgage, for which we had not defaulted nor were delinquent in current payments. ( See support document ). Also stated in the BOA XXXX letter : " a tax relief fund was established to help defray some of our federal tax liability ''. Subsequently, BOA sent us ( & the IRS ) a XXXX document stating : " cancellation of debt '' terminology, which is NOT PRINCIPAL FORGIVENESS terminology ( See support document ). This " cancellation of debt '' terminology resulted in our credit reports listing a " charge off '', not a principal forgiveness program, thus resulting in a lowering of our credit rating. The " charge off '' term and " cancellation of debt '' term were red flags at the credit bureaus, causing this lowering our credit scores. 
2. We contacted BOA re : amount & procedure for their tax relief fund to be applied to our XXXX tax burden. After multiple calls to BOA 's customer service telephone number as listed on letter sent to us, no one " knew anything about this issue ''. They suggested we call the IRS. We did call the IRS and were referred to their legal area. We were told " effective immediately, we can not talk to the consumer regarding any matter of cancellation of debt or charge offs ''. Now, our XXXX federal taxes are extended to XXXX XXXX. Since we got no answers from BOA & IRS, we will be penalized with interest and penalties commencing XXXX XXXX, XXXX.
I got a loan for a car in 2005 from GM Financial. They are reporting my late payments incorrectly. They keep changing the month and year of the XXXX late payment everytime it get 's close to being XXXX years to remove it. They are also reporting on my husbands credit report for the same loan but putting different information on his than mine.
I received a Letter on XXXX from Dynamic Recovery Solutions requesting payment from " XXXX XXXX XXXX XXXX ''. I have never heard of this company nor had any type of college funding. I went to Dynamic 's website for more information, but there was none to be found. I am disputing this because I believe this is not not debt and this is a false claim. I recently received my credit report in an attempt to buy a house, and this was not listed on any credit bureaus. I want this company to be reported and make sure this does not go on my credit. I have attached the letter sent to me and also a screen shot from their website ( missing some of my information ).
I have been receiving calls in the late evening claiming I owe on a creditcard, Affirm, which I do not recall. Is not even on my credit report, I requested that they send me a letter of officail debt and to stop calling me past XXXX. The agent was interupting me and threatened to arrest and sue me for a debt I do not recall, that is why I requested a letter. She advised me that I need to write a letter to demand the phone calls be stopped but I am on XXXX and could not write the address, as she was yelling and interrupting me.
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The accounts I am disputing are : XXXX XXXX XXXX Acct : XXXX XXXX XXXX Bank Acct : XXXX XXXX XXXX Bank Acct : XXXX
I have tried many times to have this company remove me from their list. Apparently they are a collection company and I have told them I am not the person they are trying to reach and requested they remove me from their list. A few times the representative on the other end will say ok I will have you removed. More often than not, however, the person on the other end will just hang up on me since I am not the person they intended to reach. 

For example. this morning I missed a call from them. I returned the call to the number in my caller ID, someone on the other end answered and I told them I was returning the call because I missed it. The representative then asked did someone talk to you. I stated no no one talked to me ; I just missed the call and returned the called to the number in my caller ID. The representative then hung up on me. So, I called back. This time I got the name of the representative, XXXX. I asked XXXX for a Manager. She asked if I was the person they were calling for ( but she asked me using that persons name ) and I said no. I gave her my name. I asked again for the Manager. She then wanted me to give her my phone number. I told her she has my number, I just want to speak to a Manager. I informed her that I have spoken to many representatives and been hung up on by many representatives about them harassing me and I 'm tired of it. I want to only speak with a Manager. She offered to transfer me to a Manager 's voice mail. I told her I wanted to speak to a Manager because I wanted the matter addressed and resolved right away. 

We went back and forth for a bit until finally she hung up on me and I never got to speak to a Manager nor did I get transferred to a Manager 's voice mail.
Called Bank of America XXXX on XX/XX/2018 Spoke with three different departments. Very helpful all three departments. 
Ended up with the Charge Off department. 
My question to her what and why a Account Charged off? When each month for the last three years a reacurring payment were paid directly to the collection company. 
Twice once from the Company and one from the Collection Company to neogiate amount that is due. My reply to both was no it is my debit and I need to pay them off. 
Account Charge off defination from Bank of America, " Any Account that has become deliquent ''. My understanding of Charge Off is the amount that was agreed by me and the company to write off, which would generate a XXXX Cancellation of Debt. 
Interest being low I was looking to modify my Mortgage. After speaking with the Mortgage Company their concern was the write off and no payments being shown. 
Balance due changes with my payments. But no payments are shown. Report shows " 0 '' payments received for the past three years. This is incorrect and if needed I will send copy of bank statements showing all my payments. 
The Bank Of America with this statement on my Credit Report has caused me very large problems. They might of Charge off the Account, but I feel they are not reporting the correct information when they do not show all of my payments.
I am enrolled in Public Service Loan Forgiveness and as a result have FedLoan Servicing as my servicer. I have continual problems with them as my servicer. I recently got married and changed jobs per my contract I submitted new information for my Income Driven Repayment. When I did so I got a message saying this had been approved on XX/XX/2018. Then on XX/XX/2018 I received a message saying my IDR request was denied because it was too early for my annual re-certification. At the time I was traveling so on the morning for XX/XX/2018 I called as was told that the rejection message was automatic and did not apply to me since I had a change in status. The representative reported to me that my new IDR repayment would begin on XX/XX/2018 ( this is what I expected ). I logged into my account that night to see that a forbearance period had been applied to my account for XXXX. I never requested this. I was fully expecting to make my payment for XXXX. I called the evening on XX/XX/2018 and spoke to someone who reported that yes, this had been applied and that I would need to speak to a counselor to have this resolved. I was transferred and then was on hold until they closed at 9pm. I called back today XX/XX/XXXX and a counselor removed the forbearance but let me know that it would take XXXX business days. I asked about my XX/XX/XXXX payment and they reported that I should log back in on the XXXX and if it didn't go through to call again. I was on hold for 20 minutes before being able to speak with someone this evening. 

The poor service I receive from the U.S. Department of Education is not acceptable. My interest accrues daily. Each day I wait for them to resolve an issue costs me {$30.00} in interest. It is so concerning to me that a forbearance was applied to my account without my knowledge- especially given how quickly interest capitalized on my account. Missing one monthly payment that I was fully prepared to make will cost my thousands over my repayment period. It is also unacceptable to have to continually call back- and very difficult to do so since I work two jobs in order to repay these very loans.
TIAA Bank has held on to my funds, in the form of a large check, since XX/XX/2019 and has not returned to me the said check.
I reviewed a copy of my credit report today and noticed that my credit score tumbled. I took a closer look to determine why and notice that a company -- XXXX XXXX XXXX XXXX reported that I had an account with them that is seriously delinquent in the amount of {$180.00}. I have never hear of the company. I have not received any phone calls or notice from this company regarding this debt, nor have I received the opportunity from this company to verify this debt before it was placed on my credit report. I called the company and spoke with a XXXX XXXX. XXXX XXXX provided me with the account number for the debt which is XXXX. He stated the debt was sold to XXXX XXXX so he is not sure why his company is updating the debt with XXXX. I told him that XXXX XXXX is reporting the debt to XXXX and that I was planning to report his company 's behavior to CFPB he said to go ahead. I called XXXX to file a dispute and XXXX agreed that it is strange that XXXX XXXX XXXX would sell the debt then turn around an report it on XXXX XXXX, 2015 on my credit report.
On XX/XX/2018 I requested validation for this debt! They sent me a contract with my DADs Signature! The apartment was never in my name just my DADs! I lived there for a week while waiting on school to start! I NEVER signed a lease with them or the original creditor!
XXXX XXXX I received a call from XXXX in regards to my XXXX disputes surrounding the provisionary credit they did on my account WRONG > in my last complaint XXXX was closed with a nonsense letter from XXXX XXXX who NEVER CALLED ME to discuss the matter. XXXX impacted this provisionary credit on my account after I was given the refund back from XXXX on XXXX XXXX, they placed the provisionary credit on my account on XXXX XXXX and later charged back for me to pay them back in XXXX. these dates are not reflected on my actual statement this is the recorded discussion that I had on my last call with XXXX. As I have stated from Day 1 there was no need for them to apply the provisionary credit to my account once I got the money back from XXXX. they impacted fees on my account for interest of the bank. this is fraudulent. after arguing with the guy he told me that I was responsible requesting a provisionary credit on my account after the refund was received which is UNTRUE >