WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I received a promotional offer from XXXX XXXX XXXX whereby if I deposited {$10000.00} into my checking account I would receive a {$100.00} bonus on XX/XX/XXXX. 
I followed the instructions and deposited the {$10000.00} in my account, which remained there for over 90 days. 

I have yet to receive the {$100.00} from Charles Schwab despite numerous calls and requests. This is unacceptable as I could have earned more money putting these funds elsewhere, XXXX XXXX XXXX   can not simply go back on the terms of their agreement and fail to provide the promised bonus.
I initially contacted XXXX XXXX ( XXXX ) on XX/XX/XXXX about securing lending for a new home purchase. This was on recommendation from my real estate agent XXXX XXXX ( Sears ). XXXX had contacted XXXX and explained what the builder 's lender XXXX XXXX  was offering and asked XXXX if they could meet or beat the deal. XXXX assured both XXXX and I that the interest rate and credits would be matched and that I had no worries going forward. XXXX then contacted me by phone and said that in order to make the deal work for her upper management that she needed a " good faith '' deposit to lock in the deal. She assured me that the money would be applied to the loan at closing and that if Caliber could not fulfill their promises with regards to the credit and rates then the money would be refunded. I asked her several times about this through the loan process both in person and over the phone. She was even bold enough to state " don't worry about what any of the disclosures state, what I tell you is what matters ''. Therefore, I did everything she said and signed everything she told me to. I paid my " good faith '' deposit of {$1900.00} on XX/XX/XXXX. On XX/XX/XXXX I was contacted by XXXX because we were within 30 days of closing. This was the first time she told me that she was not going to be able to match the rate she promised. After a week and a half of emails going back in forth XXXX finally admitted that she was not going to follow through with her promises and could not match the rates or credits from XXXX. She even made me re qualify through XXXX hoping that I would not meet their requirements ( but I did ). After realizing she wasn't going to be able to scam her way through the end of the loan, she told me that she was too " emotional to help me ''. She then referred me to her boss XXXX XXXX ( XXXX ). XXXX did his best to try and repair the broken deal but still could not meet the rates offered by XXXX. XXXX also refused to document our phone conversations and only would discuss rates, or deposits over the phone. I realized why he did this when I asked to end my relationship with XXXX and have my " good faith '' deposit returned. It was at this point that XXXX told me the deposit was nonrefundable and they would not return the money. When I asked XXXX why he told me that the money was a " lock rate fee '' and therefore nonrefundable. When I explained that this was not the agreement I had with XXXX when the money was paid, he told me I should have gotten everything in writing. XXXX misrepresented herself and Caliber in order to benefit both financially and with her career. That in itself is the true definition of fraud. I am not seeking any financial gain from XXXX or Caliber. I just simply want the {$1900.00} I paid in good faith to be returned to me as it should be.
From : XXXX XXXX Sent : Wednesday, XX/XX/2018 XXXX XXXX To : XXXX ' XXXX Cc : XXXX ' XXXX ; XXXX XXXX XXXX Subject : RE : VA Case # XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX, XXXX Hello XXXX, What kind of education does it take to  earn the title of Senior Feds Specialist? Is that another title that Quicken made up? I assume by you making this request you are a licensed loan officer which also means youre out of compliance and have violated Federal and State licensing requirements by sending this email without your NMLS ID in your signature. If youre not licensed then someone over there should be pretending to work for The Feds department as if youre a representative from the  Federal government is a violation of a multitude of lending laws. As if that werent enough the bait and switch tactic you all have been using to poach clients from other lenders by sending out unrealistic terms on your Loan Estimates is about to come to an end. This particular client that youve just requested a case transfer from has a signed application with XXXX XXXX and Quicken has yet to provide a true and honest GFE to this borrower so that he can compare rates/costs and hes being misled by the Loan officer or whoever is handling his loan. Lastly Quicken Loans already sent an appraiser to this borrowers house and has a completed appraisal without obtaining the VA Case Transfer prior to that fact. Its hard to see anything honest about the business practices over there. Ill make sure to raise this issue with the CFPB and the NMLS. Enjoy your day. 


Regards, XXXX XXXX Loan Officer XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( Direct Line ) ( XXXX ) XXXX ( Fax ) XXXX NMLS # XXXX - Originating Loans in AL, AZ ( XXXX ), CA, DC, FL ( XXXX ), KS ( XXXX ), NC, OR, OK, WA XXXX and WI. 
Company NMLS # XXXX From : XXXX, XXXX XXXX On Behalf Of VA Case Transfers Sent : Wednesday, XX/XX/2018 XXXX XXXX  To : XXXX XXXX XXXX Cc : VA Case Transfers XXXX Subject : VA Case # XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX, XXXX Hello, Please transfer the above referenced case number into Quicken Loans name. The required information for the transfer is below. In addition, the Veterans signed transfer letter is attached. 

1. Lender ID -- XXXX 2. Sponsor ID if applicable None needed ( we are LAPP Approved ) 3. Email address of the new SAR attached to the case - XXXX 4. The name of the individual who is the new lenders point of contact. XXXX XXXX 5. The phone number of the individual who is the new lenders point of contact. ( XXXX ) XXXX 6.  The email address of the individual who is the new lenders point of contact. - XXXX **Please also confirm if the appraiser has been paid** If you could so kindly respond to this email letting us know when this request has been completed it will be greatly appreciated. 

Thank you in advance and have a great day! 

Best Regards, XXXX XXXX | Sr. Feds Specialist - The  XXXX XXXX : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Fax : ( XXXX ) XXXX
I have been a Discover Cardholder since XXXX. I have used this card for both purchases and cash advances. There are 4 types of balances listed on my bill - Purchases after XX/XX/XXXX with a rate of XXXX, purchases made between XX/XX/XXXX and XX/XX/XXXX at a rate of XXXX, purchases prior to XX/XX/XXXX at XXXX, and cash advances at XXXX. I have been making minimum payments on thecard for several years, and I recently took a closer look at the payment breakdown because it seemed that the balance was just not dropping. What I found was a bit disturbing. I only have my XXXX most recent statements, but I am trying to get online access to more. On my XXXX statement, I had a total interest charge of {$180.00}, which was paid from the payment I made of {$210.00} and dropped my outstanding balance by {$27.00}. All of that seemed correct. The problem arose when I reviewed the interest charge calculation portion of the bill and realized that the interest was not being paid by my minimum payment as I had thought. The interest was being added to the outstanding balance of my higher rate balance types, causing that balance to go up, which will result in a higher balance subject to the higher interest rate with no additional purchases or advances done by me. Below is the information : Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$32.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4200.00} - interest charged {$59.00} Cash Advance - APR XXXX - balance {$4100.00} - interest charged {$85.00} Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$31.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4300.00} - interest charged {$62.00} Cash Advance - APR XXXX - balance {$4000.00} - interest charged {$83.00} Instead of applying my minimum payment to interest charged, it was applied to pay the lowest rate balance and my balance subject to the XXXX and XXXX interest increased by {$120.00}. This does not seem like a legitimate practice for applying payments. My balances are increasing, but I have made no additional purchases or advances and have received no penalties.
In XXXX we fell behind two payments due to personal reasons, once you get behind for more than 60 days they would only accept all amount due in order to continue with regular payments. They offered us a " Mortgage Reset " program, we would pay 3 payments over 3 months anytime during those months and after the third payment any past due amount would be tacked on to the back of the loan. 
We paid our first 2 payments XX/XX/XXXX and XX/XX/XXXX but in XX/XX/XXXX we were affected by hurricane Irma in Florida and had to purchase fuel, food and supplies in order to prepare. I called Mr Cooper and asked if there was any exceptions for hurricane victims and they said it would be ok to skip XXXX and resume XXXX and XX/XX/XXXX would be the date the past due payments would be placed on the back of the loan. 
When we tried paying again in XXXX the system would not take our payment so I called to have them do it over the phone. When they tried it would only accept a double payment but we did not have that much so they said we defaulted on the reset agreement. 
I called to get help from HUD and they said they would re-apply for the mortgage reset, after calling for 4-6 months being told it was still being processed each time I called they in XX/XX/XXXX they said it was approved and waiting on booking. In XXXX of XXXX they advised the Mortgage Reset is no longer a program they do so we would have to pay the total due over $ 12K which we did not have. 
We are a family of XXXX and have lived here for over 10 years now and they filed for foreclosure and are not interested in a modification since we had to do one 5 years ago do to a loss of job. 
We want to stay in our home. Please help us.
National Credit Systems Inc st ated that I owe {$1000.00} To  XXXX   XXXX  Apartments. I have been to the apartments which no longer exists and to the courts which no longer have any records of this
A debt showed on my credit report last year from XXXX XXXX for a supposed XXXX  bill that was not mine. I disputed the bill with all 3 collection agencies and it was removed as it should have been. Now a year later XXXX XXXX places the bill BACK on my credit report. Turns our XXXX XXXX and Convergent are the same company so this company after not being able to prove a false account has tried again.
I have a loan with PENTAGON FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and PENTAGON FCU with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.
XXXX XXXX 2015 i recieved a letter from XXXX stating that they have cancelled the following account 's from their active collection files and we 're removing the accounts if they were listed on my credit file. The client name is XXXX XXXX. The account # is XXXX. Date of service XXXX. Balance is {$2000.00}. At the time i recieved this letter from XXXX i was paying a law firm by the name of lexington Law to help me rebuild my credit XXXX items had been removed from my credit and when i got the letter in my mind lexington law had handled this for me so i kept the letter in my personal files until now. I cakked XXXX XXXX last week to get electric services in my name at my apartment i was told by them XXXX that i was showing an outstanding balace if {$2000.00} i wad provided with the number to indentity.gov. i thought XXXX had given me the wrong number so i called the number on the letter fron XXXX when i spoke to seversl of their customer service reps i was informed that they had no record of anything regarding me and removal of my account from their active collection nor removing any amount if mobey from my credit file. After speaking with the customer service rep from indentity theft.gov they provided me with consumer finance.gov and i was directed to file a claim.
On XX/XX/XXXX I had requested multiple disputes with transunion. It said the dispute date to finish would be the XXXX of XXXX. That alone was past the 30 days. But it still has not finished as of the XXXX of XXXX. I would like all items that I was disputing deleted off of my credit report. As well as the reason why it has taken so long and the process. By law this items should be deleted if not back within 30 days and it has been well past that. Attached is the dates as well as the items I disputed that will need to be deleted. Thank you
in XX/XX/XXXX I did a short sale to the bank as my house went into foreclosure. it was approved. in XX/XX/XXXX I received tax form XXXXAcquisition of Abandonment of Secured Property. balance of principal outstanding XXXX fair market value of property XXXX. this was done by Owen XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX . 

in XX/XX/XXXX I received XXXX Cancellation of Debt. date XX/XX/XXXX. amount of debt discharged XXXX. done by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX. 

now I owe XXXX dollars in taxes to the IRS. where did this amount come from. someone else was living at the address one month after I moved out the original mortgage was done by XXXX XXXX   back in XX/XX/XXXX who was part of the mortgage crisis, it was a high interest loan which I tried to remodify 3x and was turned down
For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. XXXX, XXXX, and Experian list this information on my credit report. I only found out when I tried to re-apply for a XXXX  XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXXXXXX XXXX and the credit reporting agencies on XXXX XXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the XXXX I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.
Received letter dated XX/XX/2018 from XXXX XXXX, reference # XXXX. Under credit report, { highlighted area } the last Statement it reads : { Too few accounts currently paid as agreed }. I had no agreement and it did not come from XXXX. At he time of loan application I had paid off the boat, car, and 2 credit cards, I believe the report to be slanderous and discrimitory. The only loan out was the mortgage. Thank you.
please see # XXXX : Mr.Cooper responded to every complaint with similar resolutions with the exception of the attached complaint #. Please confirm if this property located in XXXX is part of a flood disaster or not? This is not " potential '' Hurricane Harvey ( 2017 ), This disaster happened in the XXXX area with disastrous flooding. While Mr. Cooper has not responded to us in this respect, we shall continue to look for help elsewhere. Furthermore, the lastest response addressed the company could not substantiate claims that we were told our payment would be less than the trial payments. If all calls or monitored as indicated, please review calls I made to speak with a Mr. Cooper representative. Although, ( it was Nations Star at the time, I made a call to Nation Star questioning the trial payments, this call would have been during the time we learn of the first trial payment.
In 2015 I fell victim to an online payday lender, XXXX. This company is owned by the Blue Chip Indian tribe and was a scam. Neither XXXX or Blue Chip are licensed in the state of CA therefore, any and all loans or agreements are null and void. 
I received multiple calls and was harassed at work by XXXX, until I made them aware that they are not licensed and they need to cease and desist. 
The calls stopped and I had not heard about them until recently. 
I checked my credit report as I had been being turned down for things and I noticed my score dropped. XXXX XXXX sold this illegal debt to a company named XXXX XXXX XXXX - I immediately initiated a dispute with the credit reporting agencies, and I also emailed the owner of XXXX XXXX XXXX. I let her know this debt is illegal and it is illegal for her to be reporting it on my credit report. She would not give me their license number either, and kept giving me the runaround. When I asked more questions she stated she would not longer email but would speak with me on the phone due to me threatening her. I was n't threatening anyone. I was exercising my legal rights. I need them to remove the illegal debt from all of credit reports and not to sell it to anyone.
I received a call at XXXX from an individual working for XXXX at extension # XXXX. To the best of my abilities this is the conversation on the phone. 
-XXXX are you aware that your social security number starting with ... and last four digits ... is on a list to pursue legal charges because you did n't pay a debt to XXXX ? 
I 'm calling from XXXX, a company that will take you to Court because XXXX is a federal funded bank, not state but federal and since you have not paid your debt you will need to start looking for an attorney. 
-What, what are you taking about? 
- I am telling you that you will face charges so I suggest that you come up with the $ XXXX ( did n't remember the exact digits ) or you pay immediately {$2500.00}. 
-But where are you calling from again and what is your name? I know this debt is on collection - XXXX watch what I do with your social security number. 
After that I called numerous times ( about 10 ) to the number recorder on the phone asking the person to give me his name, number and information. He refused and hung up, also told me that I was harassing him, and finally picked up again to tell me that all the messages were being recorded and hang up right afterwards. 
I also got in contact with Deville MGNT, which is the company that contracted XXXX and inform them about what has happened. The manager did n't think XXXX said anything inappropriate and in fact, kept telling me that I had to pay the bill and that XXXX had the right to collect my debt.
My ENTIRE CREDIT REPORT WAS DELETED after I submitted an Identity Theft Report in XX/XX/2017. 
Positive Accounts have been REMOVED and SUPRESSED FROM RE-REPORTING MY ACCOUNTS TO MY REPORTS! 
i CONTACTED THE cREDIT bUREAU AND WAS TOLD TO CONTACT THE CREDITORS THIS MISTAKE WAS MADE BY XXXX AND THEY ARE REQUIRED TO FIX THIS ISSUE AND REPLACE MY INFORMATION BACK ON MY REPORTS AS IT WAS BEFORE THEY DELETED IT. 
THEY DELETED INFORMATION FROM XXXX  XXXX, XXXX, AND XXXX XXXX XXXX XXXX ACCOUNTS THAT WERE NOT REPORTED AS FRAUD! 
THIS IS ILLEGAL TO TAMPER OR REMOVE WITH MY CREDIT ACCOUNTS THAT I HAVE NOT REPORTED TO BE CAUSED BY IDENTITY THEFT AND I NEVER DISPUTED ANY OF THEM! 
XXXX  IS IN VIOLATION OF MY RIGHTS TO FAIR CREDIT REPORTING. XXXX IS NOT LEGALLY ALLOWED TO REMOVE ACCOUNT INFORMATION THAT HAS BEEN REPORTED TO MY CREDIT REPORTS UNLESS AUTHORIZED TO DO SO WHICH THEY WERE NOT. 
XXXX  IS PREVENTING MY ACCOUNT CREDITORS FROM THEY'RE RIGHTS TO REPORT MY ACCOUNT INFORMATION AND THEY ALSO WILL TAKE ACTION WITH MY TO FILE A COMPLIANT IN COURT TO FORCE THIS ISSUE SINCE THIS HAS BECOME A PROBLEM FOR THEM BEFORE. I HAVE COMMUNICATED WITH XXXX XXXX AND XXXX XXXX XXXX XXXX, AND XXXX.
I have been writing to this department since 2015 about Wells Fargo Home Mortgage deception. Rather than investigating and inspecting my documents but each time my complaint was to the bank and the response was *in our review it was found that our process was correct*. And nothing was done by this department or by the bank. I made several complaints. Now the bank have the nerves to say *It was a computer glitch* Claim # XXXX Claim # XXXX and a few others So what should be my next step. I would like your help in get the justice for this. I kept saying something was wrong because I was not late with my mortgage. I was on time. My income was more than enough to pay my mortgage.
I received a call from XXXX XXXX XXXX and they had offered me a payday loan. I had taken out a payday loan for {$500.00} and now on my Credit Report they are stating i owe over {$1300.00} and am late on payments. XXXX XXXX XXXX are illegal in the State of Florida because 1. ) they are not registered to do business in FL 2. ) their absorbant fees that they charge are illegal against Fl state laws.

I want this immediately removed from all 3 of my Credit Reports.
Personal information has my name as XXXX XXXX. My name is not that. My name is XXXX XXXX XXXX ONLY!
XXXX XXXX XXXX XXXX XXXX Never used this service. Applied for it and received a card. Charged me {$180.00} and the goods were returned to XXXX and a credit was given me. Although i had card, i already had money on account with XXXX to use to pay for what i bought. XXXX XXXX has called since XX/XX/XXXX for the above amount, not owed and the only bill received, every hour on the hour, every day, including today XX/XX/XXXX. Three months of calls, every hour of every day for 3 months approx for money i paid direct to XXXX. Tried to explain to XXXX XXXX 45 times for a total of approx 40 hours of explanation. It still goes on.
I am a victim of identity theft. While overseas my identity was stolen and several accounts were opened in my name. Upon checking my credit I found several inquiries that were not authorized by me. 

The inquires from Capital One were on : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
I live in XXXX, my parents live in Florida. A week ago, my parents received a threatening call ( automated ) from # XXXX ( NP Group ) for me. I called the number and spoke to a woman. She claims I owe {$300.00} for a pay day loan taken out in 2010. The information she provided did n't add up. I looked up the number and see a lot of activity coming from this company the last few weeks. They are trying to scam lots of people. Here is the info on the company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX, NY XXXX Registered Agent : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. 
Phones : ( XXXX ) XXXX