WillisBack/dataset-financial-user-claim huggingface dataset:
My first issue concerns the length of time it is taking to settle this refinance. On XX/XX/XXXX, I filed an loan application with Citizens Bank for re-financing my home. It 's now XX/XX/XXXX, and I still do n't have a closing date. They tell me this is because of delays from Underwriting. 

Second issue : They are now insisting that I remove security bars from " all '' the basement windows in my home because they say these security bars pose a " safety issue '' rather than just removing the bars from XXXX window per room in the basement, thus addressing any safety concerns for a quick exit. Besides, I do n't see how this is any part of their concern, as this would be something that would addressed by a homeowner 's insurance company, who regularly do hazard inspections. They say this is the Underwriter 's request. 

Third issue : This mortgage was originally obtained through Citizens Bank in XX/XX/XXXX, but then a few months later, I got a " welcome letter '' from XXXX. that they were now servicing the loan. I forwarded this welcome letter to Citizens Bank last week, as they said it was my responsibility to provide proof of which bank now holds the lien on my property. Now they are telling me, that that is not enough and I should obtain more information from XXXX. Is n't this the job of the title company assigned to my file or should n't the employee of Citizens Bank, who is handling the loan subordination take care of this? 

My fourth and final issue is that they are now quoting me over {$11000.00} in closing costs, for a refinancing on a {$610000.00} loan. That seems very high to me.
There are multiple unauthorized transfers ( total more than XXXX XXXX ) made by a paypal account from my saving account in XXXX XXXX, those transaction went through without any authorization or approval from me, I contact paypal and they refuse to recover my loss or provide contact info about the merchant, which is totally unacceptable : XXXX XXXX, XXXX RETURNED ITEM FEE FOR AN UNPAID {$980.00} ITEM - DETAILS : PAYPAL XXXX XXXX WEB ID : XXXX XXXX XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$380.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$1300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$970.00} {$2300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$930.00} {$3300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$760.00} {$4200.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$640.00} {$5000.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$560.00} {$5600.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$500.00} {$6200.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$420.00} {$6700.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$350.00} {$7100.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$270.00} {$7500.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$180.00}
My loan servicer Ocwen transferred my account and did n't notify me until XX/XX/XXXX when I placed a call to them inquiring about the XXXX draw on my account from insurance proceeds. Ocwen then informed me my account had been transferred to XXXX XXXX XXXX XXXX ( XXXX ). I was not notified nor was I provided reference number to inquire of the new servicer - XXXX. XXXX states they cant find me by name, property address nor SSN in their system and cant assist me with locating the account or the status of the XXXX draw to complete the work on my property that burned on XX/XX/XXXX. The insurance proceeds and requested claim forms was sent by me to Ocwen Loan servicing LLC on XX/XX/XXXX Priority Mail. Ocwen sent me a draw on the funds - approximately XXXX on XX/XX/XXXX. Work was started on the property XX/XX/XXXX. I notified Ocwen on XX/XX/XXXX that the property was approx 42 % complete and requested another draw. Ocwen responded by sending out an inspector on XX/XX/XXXX who took pictures and stated I could expect a check in 5-10 business days. I called Ocwen on XXXX and was told the account had been sold on XX/XX/XXXX and the remaining insurance funds have been transferred to XXXX. I asked Ocwen Claim Rep and customer service what sense did it make to transfer the account, not notify me but continue conversation about the draw even as late as XXXX - especially since they say a letter was sent on XX/XX/XXXX notifying me of the transfer. During this process on XX/XX/XXXX, I was transferred 6 times put on music hold by XXXX claims reps and XXXX customer NO service persons, told they didnt have the funds and didnt have an account number for me to reference and that I should contact new servicer. Finally after asking customer NO service for new servicer contact number after my 6th hold experience I was given a number for the new servicer. On XX/XX/XXXX CLAR customer no service states no record of the account could be found. On XX/XX/XXXX XXXX customer service and claims dept says no record can be found. The XXXX customer service rep did give me a number for the claims dept. In my multiple calls with both Ocwen and XXXX I have communicated that I have contractors onsite and they need to be paid. No one knows where my account is at this point - nor the funds from the insurance claims. I need the funds to complete the renovations and put property back in a repaired state. I do not want the property just sitting half finished and invite vandalism since the property can not be occupied in its current state.
We applied for a personal loan through Wells Fargo. The agent was more concerned about getting us to sign up for additional services and when we were not interested, our request for a loan was mysteriously rejected. 

The paperwork that Wells Fargo provided did not provide the credit bureau that the request was processed through. They would not provide any information as to why were denied and we were only referred to XXXX XXXX. 

We both have good credit scores, and we were able to go to our bank and be approved for the same amount immediately.
I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Experian misleadingly enrolled me in a credit monitoring service with a monthly premium using my credit card information. I requested an online cancellation in XX/XX/XXXX following the directions on their website. I received a cancellation confirmation email. I continued to receive numerous emails from Experian with no way of unsubscribing. They continued to keep my email & credit card information on file. When I logged in to look for a way to remove my email address I noticed that they kept my credit card information on file and there is no way to remove it. There is also no option to unsubscribe from the unwanted daily emails. Recently, in XX/XX/XXXX, they charged my credit card twice for the monthly premium on XX/XX/XXXX and XX/XX/XXXX. I NEVER consented to this or reactivated their services. I tried calling their customer support line and was on hold for more than 30 minutes.
Once I request a service cancellation, they should remove and purge my credit card information and contact information. They also fraudulently started charging my card a monthly premium within 6 days of each other for a service that I never requested to be " turned back on. ''
The reason I have not disputed the issues is because of Equifax 's continued inefficient and biased processes and policies, I have been unable to do so. I 've attempted several times going through the web address given on my credit report, but it 's either down or unresponsive. The other issues I have are the continued misinformation that Equifax provides ; such as the following accounts status should show Bankruptcy Discharged : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX Bank ( which also is showing that I am " Deceased '', which I have submitted a dispute for last year, this is ridiculous ). Also, Equifax uses/adds negative words in the " status '' of accounts that are positive, such as, XXXX accounts of {$3200.00} ; {$2700.00} ; and {$2500.00} should not read " Sold '', but Closed/Never Late. The negative wording used by Equifax is given more power due to the fact that they fail to provide any differentiation on their reports between " Negative '' and " Positive '' accounts. Equifax policies, procedures, reporting and therefore scores are far different from and more erroneous than the other XXXX major bureaus, and I feel are down right criminal in nature. I 've reported this agency more than once, and I 'm sure there are millions of other Americans as well. Please do something definitive to help with correcting the wrongs of the agency. I suggest termination.
I submitted all documentation proving I am XXXX veteran and the loan servicer NELNET refuses to accept documentation from the VA claiming the information is not valid and demanding more documentation I send them the whole package and still have the nerve to tell me they wont process my discharge because of that.
I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
My XXXX XXXX spouse and I purchased a home from family in XXXX XXXX. We were sadly over charged after a second, pricier appraisal. Also, our mortgage lender, XXXX XXXX XXXX XXXX, was seized and closed by the federal government. Bank of America assumed our mortgage. Since XXXX XXXX the insurances and taxes in our area have soared. Many homes around us did not rebuild and still are boarded up. Because of this we owe more than the home is worth. We XXXX XXXX to XXXX in XXXX XXXX. We have been lucky to have renters until now. We are having trouble finding tenants and/or selling the home without losing so much money. Could you please help me understand our options at this point. We lose money every month on this home and it is very stressful. Next month I will start paying house notes out of our own pocket if we can not find a tenant. We would love to sell the home. I attended a Roundtable event with XXXX XXXX XXXX last XXXX. I remember her mentioning a type of forgiveness if the home was a short sell due to military moves. Please advise.
On XX/XX/2018 at approximately XXXX MST, I received a call from US Bank Card Member services. Agent calling asked if I was XXXX XXXX..I answered by saying Who is this ... The agent the proceeded to tell me who she was and the amount of the debt owed and asked me for payment. When I asked her why she told me all this without verifying its me she got hostile so I asked for her supervisor but she hung up. I called XXXX XXXX member services back and spoke with a supervisor who said she will follow up with me in 72 hrs. Later I get a call back apologizing for the issue and promised it wont happen again. ( also kind enough to waive the late fees ). Today XX/XX/XXXX at XXXX MST I get a call from US Bank Card membeXXXX services Again agent asks for XXXX XXXX again I answered Who is this? The agent went on about who she is amount of the debt days late and asked for payment ... Like the previous agent I asked her why she released all the information without verifying. Again agent got hostile and hung up before i had a chance to ask for supervisor. I called back to talk with a sup whom didn't sound all to helpful but still gave me the information i needed to get this report done.
Chase bank, intentionally reorders transactions that are processed through a checking account in order to generate additional fees for accounts that go into overdraft. 

For example, If I have a balance of XXXX in my account and they process XXXX transactions and the order of those transactions is 1 ) XXXX 2 ) XXXX 3 ) XXXX If these are processed in the order received there would be a single change of XXXX. 
However Chase reorders these transactions largest to smallest, resulting in XXXX charges of XXXX resulting in charges of XXXX the maximum they can charge in one day ( a total of XXXX transactions ). 

2 ) If you call to ask them not to process recurring transactions on your account they tell you that they can not stop these transactions, or inquire about what the criteria is for processing a transaction when your account is in overdraft they will not give you a specific answer, they say that it depends on your account standing, but also will not/ can not tell you what standing your account is in, effectively making it a complete mystery as to what automatic payments will be payed and which ones will not. 

I believe that they are intentionally withholding information, and manipulating account processing in order to generate more revenue, and defrauding the customers that can least afford these fees of their hard earned money.
I have a house located in XXXX PA, my ex wife and I got divorced approx. 3 years ago. XX/XX/XXXX we placed a our house on the market to be sold, the process was going to be a short sale. The mortgage lender is Wells Fargo. The realtor is through XXXX. I had a buyer with in a week of it being on the market. The buyer agreed to pay XXXX and had a third party appraisal, appraisal came back at XXXX was appropriate. Wells Fargo did appraisal of XXXX. The realtor did comps in the area and XXXX is appropriate. The house needs work and XXXX is too high. I have documentation from other realtors stating the XXXX price is too high. Please see the attached documentation. Wells Fargo is demanding the house to be sold at XXXX and if not they re going to proceed with foreclosure. Wells Fargo is double dipping if it goes to fore closure. The have insurance for this reason then they ll turn around and sell the home. Also I work for the government and being this is a FHA loan its going to effect my employment. All this because Wells Fargo is refusing to expect the area prices of the homes in the area and is holding me hostage on a price that is unable to be achieved. The communications between the Wells Fargo and the realtor and the seller is horrible. They have dragged this out for approx. 6 months just to push into foreclosure is not right.
I have contacted this credit reporting agency and collection agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Collection agency and credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit XXXX If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.
I have reached out to Experian for inaccurate information off my credit reports. 

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Chapter XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Chapter XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : {$0.00} I am unaware of the above listed accounts. I have asked them to validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to  appear in a court venue local to me, in order to formally defend yourself.
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX XXXX and XXXX paid the claim and Santander has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and Santander is still coming after me for money, claiming that GAP didn't pay in full. Santander was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.
On XX/XX/2017, I was spoke to XXXX XXXX in XXXX, Oregon about purchasing a used vehicle. I am XXXX as a XXXX XXXX who does XXXX XXXX XXXX, and while I realize lenders don't like that, I didn't expect them to put 11 hard inquiries on my credit. Also, they put that I worked at XXXX and XXXX XXXX XXXX. I've never worked at XXXX, and I didn't tell them that I worked at XXXX. And, as far as I know, there is no XXXX XXXX XXXX and I don't have a company by that name, or any company for that matter. I was told by XXXX  and Equifax that I can not dispute the information, and that I would have to get a letter from the dealership. When I call the dealership, they will not speak to me or they take a message and no one gets back to me.
I received a phone call yesterday ( XX/XX/XXXX ) at XXXX XXXX. 

The caller said that I owed XXXX XXXX {$35.00} and that a collection agency had been contacted. 

I knew that I owed nothing but called XXXX XXXX and verified that. 

Today, I received a postcard purporting the same thing. I tried calling them but it is automated only. I tried a second time, entering the " reference number '' and was transfrered to a recording saying they were closed today and then disconnected.
World Omni Financial Corp., also known as XXXX XXXX XXXX   has claimed to have an arbitration agreement with me regarding a loan for my 2010 XXXX XXXX that was originated by XXXX XXXX of XXXX XXXXXXXX , XXXX XXXX confirmed in writing that I had never had an arbitration agreement with them. Yet XXXX XXXX claimed without any documentation that the loan was transferred to it and that an arbitration agreement materialized upon the transfer.
These companies, I have sent Certified Letter 's on XXXX XXXX 2017 for Unauthorized credit Inquiry on my Credit Reports, as well as called and disputed these inquiries. I have never authorized such action and this constitutes as a violation of my rights under the Fair Credit Reporting Act 604, as well as a violation of my privacy. XXXX XXXX Inquires - XXXX XXXX, XXXX XXXX, XXXX, XXXX , XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX. Transunion- XXXX Inquires - XXXX/XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX , XXXX XXXX. XXXX XXXX Inquires- XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
I was denied a refinance even though the VA explained to the lender that I qualified under intermittent occupancy based on my job being overseas. I was charged {$520.00} for an appraisal and had my credit report run while being assured by the VA and pre-approved by the lender that my loan was standard and fell well within guidelines.
I paid off a collection item on XX/XX/XXXX. The payment was made online to XXXX. I then received 2 phone calls from Affiliate Asset Solutions , LLC, one on XX/XX/2016 and one after XX/XX/2016 for the same debt. I faxed and emailed them the receipt as proof on XX/XX/2016. I received a letter from this company asking for payment. Letter is dated XX/XX/2016.
I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.
XXXX XXXX VISA CREDIT CARD FROM XXXX, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY XXXX  CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM XXXX TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/2018, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY XXXX. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED XXXX ABOUT XX/XX/208 AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND CHASE OF THE CFPB CONSENT ORDERS AGREED TO BY XXXX, FILE NO XXXX- CFPB- XXXX AND FILE NO XXXX- CFPB- XXXX
My son, XXXX XXXX, has been XXXX for a number of months & was, most recently, moved from NC XXXX hospital to a facility in suburban XXXX in order to be closer to his family. My name is XXXX XXXX. I am XXXX father as well as his attorney. I am also named as his agent under a Durable Power of attorney. We are currently in the process of cleaning up his affairs & making sure his bills are paid up. One of the few items remaining is a Capital One credit card # XXXX XXXX XXXX XXXX. All I want to do is pay off the card. To the best of my knowledge, the card has been cancelled for non payment. I have spent countless hours on the phone, have sent multiple memos including a copy of my POA & have become extremely frustrated. For what it is worth, some of the supervisors, not all, have been very rude. In my latest conversation, I am being told they want information about me that I feel is inappropriate. For example, they want my date of birth, social security number, proof that I am not a non resident alien, drivers license & gross annual income. ALL I WANT TO DO IS PAY HIS BILL. They finally said I could make a payment but could not tell me how much. I find it ironic that my complaint is I ca n't pay off the card. XXXX XXXX XXXX, XXXX.