WillisBack/dataset-financial-user-claim huggingface dataset:
I transferred a credit card balance of approximately {$3600.00} to Pentagon Federal Credit Union ( PenFed ) on their 0 % balance transfer program in XXXX 2016. After a few months on the program, I noticed that my account was being charged interest. This is not an obvious thing as I have a Platinum 'rewards ' card and usually received some credit each billing cycle as a result of gas purchases. I did some rough math and determined that I was paying interest on purchases on an average from the purchase! Not from the billing date or the period after that! I called PedFed and talked to Customer Service. The technicians were at a loss trying to explain what was happening. I was transferred to a Lead/Supervisor named XXXX and got enough of an understanding that it came to one question : Could I pay the total balance with the advance and othe transactions and clear it up? XXXX 's response was yes. How I started paying interest on an undisclosed process bothers me a lot. I wrote a letter to PenFed 's President dated XXXX XXXX 2016.
Equifax Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   XXXX   XXXX  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX    XXXX   Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom It May Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX   XXXX    XXXX  Cell Phone :  XXXX
I am not sure exactly who this company is or why they were trying to contact me, however, I found their site by Googling the number that called my home yesterday. Whoever the representative was from their office harassed my babysitter & got very rude & hateful with her & kept demanding mine or my husband 's work hours. She informed him I was not married & then he started hounding her about when I would be home. When she told him I had work hours that varied he informed her she must live here so she should know. 1. She does not live here. 2. Hours can vary from day to day. 3. Now I will not be working for a while because my health condition has flared up but I will have various appointments & various times. 4. I assume from their site that the call was an attempt to collect some sort of debt so their representative violated several regulations & I will be filing reports & complaints with all appropriate agencies. For one, aggressive & threatening behavior, language, & tone are strictly forbidden. For another, if it is an attempt to collect a debt collectors are forbidden by laws & regulations from speaking to anyone else about the debt but their representative was perfectly willing to speak to my so-called husband about it!! All of my debts & accounts are in my name alone so if they are trying to collect on something why would they even want to speak to someone else?! 
I filed a complaint with their Chief Compliance Officer today & told them I did not want anymore phone calls.
I been properly provided all documents to my lender in time manner, unfortunately the company that was helping us. made several errors on my application and collect money in advance with promises never fulfill, at the same time, I did requested help from Keep your house California, consequently I got approved for the program. but my lender denied the funds approved from the government program.
The lender denied a modification on XXXX, 2017. I did re-applied for a modification for a second review, since my circumstances had change in different ways, i.e my wife had reduction on work hours and high college tuition.
XXXX sued me over a credit card debt that was from XX/XX/XXXX and won a judgement against me in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and was dismissed in XX/XX/XXXX. The problem I have is when I called XXXX to get the statements from them they told me they can not provide them to me for court. They refuse to issue me any statements at all so I could properly defend myself in court. I wanted to defend myself in court to prove that XXXX wrongly double, triple and quadruple charged me for the same charge. For example, If i stayed in a hotel for {$150.00}, and asked XXXX to move over into their monthly payment plan program, or I moved it over they would charge me up to {$150.00}, {$150.00}, {$150.00}, {$150.00}. I have repeatedly complain to XXXX about this and they would fix it XXXX month and then the next month it would be back on the statement. The XXXX XXXX bills would reflect exactly what I am describing. So when I went to court XXXX refused to send me those statements so I could prove this in court. I asked the attorneys who sued me on behalf of XXXX for proof that I owe this money and they could n't produce any statements. When my attorney asked XXXX in court to prove that I owe these charges with statements they could not prove it in court. They still won in court a judgement for money I do n't even know, I had a professional accountant look at the statements and revealed that I over paid XXXX by {$5000.00}. Now my wages are being garnished {$1500.00} a month to pay a credit card I do n't even owe. I sent a copy of this complaint to the XXXX Attorney General as well XXXX
This is with respect to my experience with Bank of America, XXXX, NJ Branch. I contacted them for a pre qualification of a mortgage loan before I can put an offer on a house I was interested in buying. I made it very clear to them that this is just pre-qualification and asked them if doing it will have any impact on my credit report, and if it did then I do n't want to proceed with them. They made it very clear that this will only be a soft check and it will in no way affect my credit history/report. I went ahead with the pre-qualification with them based on this assurance. However to my surprise my credit history was affected as they run a hard check on my SSN. When I contacted them asking for explanation, the person said she was not aware of it and said she was sorry, but said there was no way to fix it. This happened on XXXX/XXXX/2015. I even complained to the BOA redressal cell, but never got a response back from them. They never resolved this issue and I reached out to a person who asked me to call him for resolving the issue and he never got back to me nor to my message.
XXXX, Transunion and XXXX have Collection accounts and inquiries that are fraudulent and do not belong to me. THERE WAS NO PERMISSIBLE PURPOSE AS PER THE FCRA LAW, I DID NOT APPLY FOR LOANS OR CREDIT. As well, they have several variations of my name, inaccurate addresses that do not belong to me, attached to some of these fraudulent inquiries and collection accounts which is causing financial damage because the information is inaccurate yet its causing me to lose job opportunities, etc. I have not contracts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or the alleged, original creditors. 

THE ONLY NAME, ADDRESS AND NUMBER THAT SHOULD BE ON MY REPORTS ARE : Update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
I submitted an application to be reviewed for loss mitigation options. During the process they kept asking for a legible XXXX form which was provided several times. The loan was denied for this reason. I went to the IRS and requested the tax transcripts for the years being requested and submitted my file again with the transcripts and XXXX forms once again. The servicer is now telling me that I do not qualify for any program and they have reached the limit of times my file can be reviewed which is 2 times. I 've requested proof of this guideline that I believe does not exist. I do not want to lose my home and need help.
My social security goes to direct express, this month when my money went in someone went into my account changed my pin number and transferred all my money out of my account, after doing research online this has happened to thousands of other people that have there social security go to direct express.Most say i will never see that money, others say it will take forever, everyone to a man said Direct Express was rude and acted like it was their fault, when in fact they have bad security.
I have recently been foreclosed on through Ocwen. This is adversely affecting my credit and I would like to have it removed from all my credit bureau reports. I have sold the home with a wrap around mortgage, I relocated and was paying rent at a new apartment. after some time the person I had that purchased my home then rented the home to another person without my knowledge. They both stopped paying the mortgage and this put me behind. I tried to contact my buyer and was unable to get in touch with him with no luck. after I was able to get in contact with my buyer he told me the tenant was not paying. I also found out that the buyer had not paid taxes as he was supposed to on the home and had taken out additional loans against the property to pay the taxes. I tried to work with the buyer and the new tenant to get them to purchase the home. after about 8 months and them not paying me any money I tried to have them removed from the home. the court would not allow this and I was stuck with a buyer that I could not remove and a tenant that would not leave the property. after some time Ocwen foreclosed on the property and it still took a couple of months for them to even remove the tenant who at this point was basically squatting in the home. I would like to request that the foreclosure be removed from my credit reports as this has caused a great deal of stress and issues for me.
XXXX XXXX has frequently called my phone number, my family members phones, and my work phone numerous times a day. After finally getting sick of her annoying attempts, I emailed her and told her to not contact me any further at work on XX/XX/18. After I sent that message she decided to send a fax over to my work. Since I sent in writing that she was not allowed to contact me and she did, she has violated the fair debt collections act. I informed her I would not speak to her until I consulted with my attorney as after I spoke to someone last month and received my paperwork I noticed on my loan amount that XXXX XXXX had crossed out the amount that I wrote in and doubled it. Since I did not authorize that and was not told of it, that would be a fraudulent charge and I need to speak with my attorney on what I should do. XXXX has called me about 5-6 times a day since XXXX begin, every single day, she called my family members harassing them as well and now she is calling my work 2-3 times per day as well.
NO NO I DONT KNOW WHY THESE PEOPLE BE CALLING ME. I WORK TO MUCH FOR THIS TO BE MINE. I SENT A LETTER STATING THAT THEY NEED TO STOP HARASSING ME AND STOP REPORTING LIES ON MY CREDIT.
I PAID {$99.00} MONEY ORDER ONXXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNT ON XXXX XXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNTXXXX XXXX AND XXXX XXXX. {$98.00} WAS TAKEN OUT OF MY ACCOUNT XX/XX/XXXX. MY ACCOUNT # WITH RISE XXXX. RISE HAS PUT SOMETHING ON MY ACCOUNT WHERE I CAN NOT WRITE CHECKS OR CONDUCT ANY FINANCIAL BUSINESS.
In XXXX 2014, Chase bank sent me the letters about closing all my Chase accounts ( checking, savings, and credit cards ). There was no any explanation for doing that. Just : " after reviewing we determined to close ''. 
During my visit a Chase branch, I found myself as blacklisted for Chase bank. I am not allowed to open any account in Chase. This status is " forever '' according to bank representative. 
In Chase letters it is also stated that : " We may also report the account to credit reporting agencies, which could discourage other banks from opening an account with you ''. 
All my questions on what I did wrong to get such severe sanctions were unanswered. The only answer was : " You are not compliant ''. 
As they are so not informative I tried to analyze by myself what I may did wrong. The only thing that comes out was ordering cashier 's checks on large amount. But I ordered them in Chase branch and teller processed them without any warning that it may be not compliant. 
So Chase bank blacklisted me forever for the secret reason that they do not want to disclose. They also threatened me to inform the other banks ( through credit reporting agencies ) that I am not good to have business with. I am blacklisted but have no idea why because in my view I was completely compliant with Chase bank rules according to their terms and conditions.
OCWEN LOAN IS ATTEMPTING TO FORECLOSURE ON a property that i am the administrator of the Estate.They are using a assignment that is robo signed and fraudulent. I mailed a QWR and they have not responded. the assignment was created after the cut off date of the trust in the pooling and services agreement. listed with the United States Securities
I previously submitted a complaint about Transworld Systems Inc who responded by sending me validation of the debt. The paperwork they have sent clearly shows that I owe NO money to the XXXX XXXX XXXX. I spoke with XXXX reps and they have NO open accounts for me. And they stated that they handle all collections in house and never send bills to outside agencies for collection. 

This latest harassment letter is threatening that interest may be added to the amount that they claim I owe. I am a senior and this upsetting correspondence has an emotional component since it refers to expenses connected with my mothers death. Your website is full of complaints about this company. Cant you make them stop?
I have a a unverified account from EOS CCA XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt EOS CCA purport I owe. I request that EOS CCA Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
My FICO score from XXXX XXXX XXXX states that one of the key factors affecting my score is " Number of accounts with delinquency. '' XXXX states that they get this information from TransUnion data. I 've spoken with TransUnion on the telephone and have gotten my full credit report from them and they state that there are no accounts with deliquency. TransUnion states that it is the fault of XXXX XXXX XXXX, and XXXX XXXX XXXX faults TransUnion. I want also to file a complaint against XXXX to get this matter resolved.
On XX/XX/2016 a deposit in the amount of {$1500.00} was paid to XXXX in XXXX XXXX to reserve this venue for a wedding to take place on XX/XX/2016. Payment was made using the American Express Card. 
On XX/XX/XXXX the event was cancelled and XXXX agreed to return the full amount. 
On XX/XX/2016 XXXX made the full refund of the {$1500.00}. 
American Express claims to not have received any refund and does not reflect any credit on the account. 
On XX/XX/2016 at XXXX pm Eastern Time I called American Express and talked to a person by the name of XXXX who claimed that his computer terminal did not reflect any refunds. He said he would open an investigation and it would take around XXXX weeks to complete the investigation. He gave it the number XXXX. 
I feel that this is not acceptable in any manner or form. I am certain that after XXXX weeks they will claim that they could not find anything and they need another XXXX weeks. I am being the victim of a fraudulent action by American Express and I request quick government action to resolve this matter in a short time. 
I have the documentary evidence submitted to me by XXXX that clearly shows the refund was made. The document has the deposit receipt from XXXX, the original payment and the refund made. 
Your help in this matter will be greatly appreciated.
There are 2 collections reporting on Equifax with XXXX one in the amount of {$1000.00} the other {$710.00} and I have been disputing this for some time now. Every time I try to get validation of the debt they show a new open date. Now it 's showing the two things just opened. I have not been to the hospital in over 4 or 5 years and this continuously reports a new open date. 

I have never received anything from a doctor 's office indicating I owed anything
On XX/XX/2018, XXXX alerted me that ONEMAIN had requested access to my consumer credit report. I had no knowledge or did I give my consent for ONEMAIN to review my consumer credit report.
On XX/XX/XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX loaned me {$43000.00}. This amount was to purchase a brand new XXXX XXXX XXXX XXXX XXXX price : {$35000.00}, plus {$7000.00} for the car that I traded in that i still owed another lender, for a total of roughly a {$43000.00} loan.
Shortly after recieving the car I recieved notice that my licence would be suspended if i did not pay off over {$20000.00} in city of XXXX parking tickets in full. I had no choice but to file bankruptcy.
The car was brand new and could not be included in the bk. So the automatic stay was lifted and i continued to pay for the vehical outside the bk.
Against court order XXXX XXXX  proceeded to collect payments inside and outside the bk, even after recieving calls and notices from me to correct this information and filing motions in court, XXXX XXXX continued recieving payments from myself and the bk trustee simultaneously resulting in an overpayment due to me. I recieved the overpayment check however the damage is done. XXXX XXXX not only repossesed my vehical on X/XX/17 when i was not in default, and after years of regularly accepting late lump sum payments, they have also reported to the 3 major credit reporting bureaus that i owe a sum of {$69000.00}, for the XXXX XXXX XXXX XXXX. The the vehical was only {$35000.00}, this malicious act resulted in a dramatic decrease in my credit score, lossed wages, job oppurtunities, a home loan, and educational loans for my child who is going away to college. XXXX XXXX has since changed the information to a lower incorrect amount, however my credit score dropped XXXX points as a result.
I have asked for validation of the prior repossession and current debt in writing but my requests are being ignored. Again I would like to request the validation of the debt at the time of repossession on X/XX/2017 and validation of the current debt that is being reported to my credit.
I have two specific problems with Navient : 1. Navient received a payment from my refinancing company on XX/XX/. The company overpaid the loan, resulting in a negative balance. So far, Navient refuses to release the {$220.00} back to me. I requested payment within 30 days, as our loan agreement states payments are made every 30 days. I don't see anywhere that they excluded themselves from that role. I have to pay them every 30 days, so where's the same courtesy for me? 
I request that Navient release the funds immediately. 
PS - I am currently in the process of refinancing another loan out of Navient, since they've been a terrible lender and interest rates are rising quickly. If they can not pay any over-payment within 30 days, I'll be back here again. 

2. I am considering suing Navient in New York Small Claims court for the balance they refuse to provide. I requested from several customer service associates via emails, as well as with their Customer Advocate, that they give me an address where I can serve them. Everyone has refused to dodged the question. Customer Advocate said they'd get back to me this week, after stalling for one week already. So far, I've heard nothing. 
Please request that Navient give me the address where they can be served legal notices.
To whom it concerns, my husband and I tried to purchase a home and have been deeply hurt. XXXX XXXX XXXX was our Realtor and Mortgage and XXXX XXXX was the Broker ( XXXX XXXX XXXX XXXX XXXX ) ( although we never met the Broker ). We proceeded to follow through with the contract ( XXXX XXXX XXXX Tx XXXX ) and put up the honest money {$1000.00} to XXXX XXXX. On the contract it stated that its not subject to buyer being approved for finance and it does not involve FHA or VA Finance on page XXXX # XXXX fin. a and d ; This was a FHA loan. We had to give additional {$1000.00} to the sellers made out directly to them and {$200.00} option fee made out directly to the sellers ( XXXX XXXX XXXX, XXXX XXXX XXXX ). The house was inspected {$350.00} and it passed inspection. We ask our agent to make sure that we get our money back if things do n't work out and please do n't let any time lapse. He assured us of this and in returned he stated that the sellers requested and additional {$1000.00} made out to them because underwriting was taken too long and it would go over the time. XXXX XXXX came to us and told us we were not approved and that we also lost all of our money. He then put a contract on another house XXXX XXXX XXXX XXXX XXXX, Tx XXXX ) where we had to put down honest money of {$500.00} with XXXX XXXX XXXX ) and {$100.00} option fee and to have the inspection done within 5 days which cost XXXX the first time and an additional {$200.00} the second time because the house did n't pass inspection because there were no fire detectors in each room which we had to purchase and put in before they could move forward. I really feel that we have been taken for our hard earned money and the Realtor, Broker and Title Companies are all bogus. I really feel no one was honest and had our best interest at heart. We as new buyers are relying on agents to be honest and explain in detail so that we have clear understanding and feel comfortable and safe with their decisions but this is one case that have us afraid to trust any agent or broker.
We have tried to work with Wells Fargo Home Loans on an adjustable rate mortgage. 
We had worked with Wells Fargo for over 4 years. Our File was missing from their records for almost a year where no one knew where it was. They have sent us summons and complaints we have submitted answers. 
These are some of the dates we have submitted requested documents : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
After the XX/XX/XXXX submission no one would speak to us because no one knew what happened to our file. When we did get someone they had to speak to someone else. We never received a return our calls. 
No communication about our mortgage until : XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, sent more documents because the others had expired!! 
We waited for a decisions ... ..then it was in underwriting ... ... the underwriter that was assigned was no longer with the company then ... ... ... ... ... ... ... nothing happened in XX/XX/XXXX no response then XX/XX/XXXX a new package was requested We had to wait for underwriting again ... ... ..Nothing XX/XX/XXXX Then XX/XX/XXXX another new package requested. ... .this was by the XXXX person assigned to our account. 
As of XX/XX/XXXX they were still starting over with complete new packages, we had XXXX customer relationship managers. 
XX/XX/XXXX Our loan was transferred to XXXX. We had no idea that e were no longer with Wells Fargo because the person assigned to the account has a complete package and it appeared that we were going to finish. Now with XXXX all of what Wells Fargo said they did not need XXXX is asking for. This has been a long, long journey for us we have been given the run around too many times. We need help!