WillisBack/dataset-financial-user-claim huggingface dataset:
This all started back in XX/XX/XXXX ( Currently Early XX/XX/XXXX ) when paypal tried to take XXXX dollars out of my bank account and the funds weren't available so paypal charged my checkings account {$26.00} dollars putting the checkings account into the negative balance. Being a college kid, just recently getting a job with a decent commute, hit rather hard. I moved money around but a couple more monthly payments that I didn't anticipate went through just before paypal tried again and charged another {$26.00} ( a consistent number through this story ) at this point I was pretty dry for money and payday wasn't for a couple more days, and of course it tried again but this time it just subtracted from paypal totaling to - {$12.00} in paypal. At that point I called support for my bank to see what the deal was at which point I was directed toward paypal so I contacted their support system. On the phone with them they basically said I was lying and that paying the difference in my paypal account might fix it. After 3 to 5 business days nothing had happened at which point I had become busy and wouldn't bother with this issue again until XX/XX/XXXX after another incident that actually took place in late XX/XX/XXXX. This was a charge of {$14.00} got declined by my bank and paypal charged another {$26.00}. In that support message it was basically me telling this story then a month later I got a message from paypal saying it has been resolved but funny enough that was not the case so I alerted them about that and have not heard back since. Fast forward to XX/XX/XXXX a payment of {$10.00} failed to go through an yet another {$26.00} out of my pocket totaling a whopping {$100.00} that shouldn't have even been able to leave my basic checkings account.
I had a home in XXXX, CO. and lived there with my wife. Her mother got sick and she had to move to XXXX XXXX, CO to take care of her. I stayed for a couple more years before I could transfer to a job closer to her. We rented the house for a while but when the renters left we could n't make the payments and the home was forclosed on. We filed backruptcy and the house was surrendered to the lender. 3 years later, and the bankruptcy is done, and we were looking to buy a house close to her mom in XXXX XXXX. The forclosure put us on the HUD XXXX list and we are n't eligible for a VA loan. The mortgage company has not filed a claim for the FHA loan so the 3 year waiting period to be eligible for a VA or FHA loan has n't even started yet, even though they have had the home back for all these years. We need help in getting the lender to make their claim to the HUD so we can once again be eligible to get a loan.
Today XX/XX/XXXX I tried to connect to my capital one account from XXXX  in an effort to transfer my crypto funds to my capital one account in dollars. Capital one is blocking access
1.I was steered toward a refinance cash out loan after I requested an equity line of credit loan to make repairs to my home. 

2.Loan was denied based on needed repairs revealed by the appraisal that I paid for in advance. The appraisal on XXXX was for more than the loan amount ( {$54000.00} ). I was not offered a different kind of loan or a lower amount.
3. Subsequent appraisal by a different bank on XXXX revealed a property value of {$75000.00} and no repairs needed. 

4. I believe the appraisal was rigged as a pretext. The true denial was for age and zip code bias. 

Loan App # XXXX for {$50000.00} with Navy Federal Credit Union. 
Applied on or about XXXX XXXX, XXXX. 

XXXX XXXX, mortgage processor. XXXXXXXXXXXX ; phone XXXX, ext XXXX XXXX XXXX, supervisor XXXXXXXXXXXX ; phone XXXX. 

I spoke with XXXX XXXX on or about XXXX and was told I have no recourse since I agreed that the appraisal fee was non-refundable. I assumed that it was a protection for the bank against an overstated valuation by the applicant not a device to deny a loan for their own purposes. 



XXXX
incorrect information reported XXXX XXXX 2017 by XXXX  and XXXX
I am the consigned on my daughter 's XXXX notes serviced by Navient. XXXX loan had a principal amount of $ XXXX and the second note of {$4000.00}. The notes now state the principal amounts are ~ $ XXXX and ~ $ XXXX. My daughter has been paying interest only on these notes for 11 years. She was constantly encourage to defer her loans. An income based repayment plan was never offered. My daughter and her husband are on their XXXX child. In XX/XX/XXXX, Navient increased their payment by twice the amount. My daughter 's attempts to refinance this note have been ignored and at one point a rep told her they would just get the money from me - my credit cards had plenty of room as she could see it right there in my credit report. My daughter just gave birth to her XXXX child who has a XXXX which requires XXXX. Her other XXXX children are XXXX and under. Her husband is the sole support for the family. After numerous calls with Navient and letters I called them as I had a letter that a settlement was possible- first the rep denied that was what the letter said. I offered a much lesser amount stating the funds were coming out of a small retirement account. The rep finally said she was authorized to settle for $ XXXX. When I replied this was beyond my means and could she do better after a long argument, she transferred me to a supervisor. The supervisor said she knew nothing of my call before I was transferred and proceeddd to bully me about my daughter 's note. I continued to state I wanted to find a way to settle the note that my daughter could not repay it and I could not afford to pay another bill. The tactics used are nothing short of bullying, then they roll to empathy and back to bullying. This representative told me Navient would never settle and that I could pay {$5000.00} to get my name off the loan. Forty five minutes later and exhausted I just excused myself to get back to work. The rep left me with a threatening remark about forwarding me to collections. Navient is now calling my work number at least once a week. They call my cell phone daily and they send letters in envelopes with no return address. My daughter suffers the same harassment and they are now even calling her mother-in-law. My complaint is that my daughter was n't informed on the impact of deferring her loan. They 've refused to work with her on an income based plan. While I accept responsibility for signing the loans I would expect after 12 years and all the interest already collected, Navient would make an effort to refinance this note instead of using scare tactics.
I have repeatedly disputed several items on my report that are either not mine or inaccurate. This has been going on for almost 2 years now with no resolution. I have submitted documentation both by mail and fax on multiple occassions.
On XX/XX/XXXX, I received a letter from my Mortgage company XXXX XXXX XXXX stating that on XX/XX/XXXX my mortgage will transfer to XXXX XXXX. Prior to the change, it was time for my yearly mortgage analysis and my new payment will start on XX/XX/XXXX to XXXX XXXX. I received a letter from XXXX XXXX on Saturday stating that they did another analysis on my mortgage and they discovered that I have an escrow shortage of {$730.00} already with only making two payments ( the last old payment of {$1000.00} for XXXX and one new payment of {$1000.00} for XXXX ) to XXXX XXXX and my new mortgage payment will increase to {$1000.00} beginning XX/XX/XXXX. Upon receiving XXXX  XXXX XXXX analysis, they give you two payment options to choose from if there's a shortage. Comparing the current amounts of my taxes, homeowners insurance, and my MIP to my new amounts, my home taxes raised {$8.00} per month ; insurance lowered {$13.00} per month and my MIP lowered {$1.00} per month. This is where I'm having a difficult time understanding why and how if certain items have lowered, why an I short {$5.00} per month. They tell me those are projected amounts ( the amount that could be but its really not as of the present time ). If im already paying a projected amount, why do I have to pay for a " cushion ' as well? It's the same exact thing but worded differently. Not only are they charging me extra money but the form XXXX sent me had incorrect information on there. This needs immediate attention and a new form sent to me with all corrections XXXX. Under the section of the analysis where it states the payment breakdown as of XX/XX/XXXX, XXXX and I both told XXXX ( ID # XXXX ) that the amount and the date were incorrect. {$1000.00} is my new amount as of XX/XX/XXXX. In XXXX, my mortgage was {$1000.00}. XXXX ( XXXX ) proceeded to inform us that they can not change any information on the legal documents and I have to keep the incorrect one. Is there some type of protection for consumers for these types of situations? When I received that letter, I immediately contacted HUD and they directed me to find the number to XXXX where I was assigned to XXXX XXXX. We did all that we could to get them to resolve these problems and there was nothing XXXX ( XXXX ) could do for us. I am writing to ask if there's someone that could assist me concerning this matter? I do not have much time to get this resolved being that my new mortgage starts XX/XX/XXXX. Thank you for your speedy response.
They never responded to my previous dispute of debt, but now are mailing letters which clearly show the original creditor and current creditor ( i.e. a debt being collected ) without having to open the mail. I was severely embarrassed about this and called. After XXXX calls totaling over 1 hour of time, I was told to do what I had to do as they were n't willing to stop their illegal tactics,
1. Put me in forbearance for delinquency when no payments have been missed or late 2. Redesignated lump sum payments to paid ahead purposefully made in not paid ahead status with a permanent do not pay ahead selected on account prior to lump sum payments 3. Combined loans into single payment when asked before and I elected to keep two separate pay dates 4. Cancelled current contracted pay as you earn program for 12th month ( XXXX 2017 ) because of recalculating payment under a new plan and telling me for the 12th payment I either have to be placed in forbearance for delinquency status or pay the standard payment for the month of XXXX and that the payment would not qualify under my Public Service Loan Repayment program. Would not allow for contracted income driven repayment plan final payment amount to apply.
On XX/XX/XXXX an online purchase was made at XXXX XXXX. The transaction was pid for with my wife 's XXXX credit card XXXX XXXX ending in XXXX. There was difficulty in processing the transaction and at 1st I attempted to use my XXXX XXXX XXXX CITI card XXXX but never received a confirmation. Subsequent XXXX 's also requested a hold authorization for the same amount of {$180.00} on the CITI card even though they billed my wife 's card.. The product has already been delivered and paid for via my wife 's cc but both XXXX XXXX and CITI refuse to release the hold of {$180.00} on my CITI card. I will upload proof that the product was paid for on my wife 's card.
I had a safe deposit box at Bank of America and tried to cancel it XXXX years ago ( when I moved out of the area ), but they would n't let me and continued to pile up fees. I declared bankruptcy more than a year ago and the bank was notified as part of that process, but they ignored it and sent collection letter afterward. I wrote bank to refer and remind them of bankruptcy. Finally, bank sent me letter stating that they acknowledge bankruptcy, but they only would void fees prior to their letter ( XXXX XXXX, 2015 ) and they will not close box account and will continue charging me fees from XXXX XXXX, 2015 forward. Should n't the bankruptcy void all fees and close that safe deposit box account? 

It 's Bank of America and their box account # XXXX. My bankruptcy is a Chapter XXXX and case # XXXX ( NJW ). 

Please help!!!!
Bank loan ( personal ) was transferred/bought out from a credit union, which we still pay monthly and it is showing up on my credit report as a charge off from XXXX XXXX.
Civil action was taken against me with Heights Finance. Attempting to work with them directly, the company would not answer any questions regarding the account over the phone and were extremely rude each time a call was placed. I paid off the debt completely in XXXX of 2015 and the company is still reporting to the credit bureau 's that the account is open as of XXXX XXXX 2015. I contacted them in an attempt to clear this matter and they refused to speak to me. I believe they are doing this as a form of retaliation.
I received an email from Wells Fargo that misrepresented that I called about or applied for a credit card through Wells Fargo. I have a mortgage with Wells Fargo, but because I had never made the phone call about a credit card ( or at all recently ), I assumed that someone was trying to open a credit card using my personal information. For fear that my identity was being stolen, I called Wells Fargo to determine whether there was an application for a credit card, or any other product associated with the Company. There was not. This email is predatory and misleading. I have spent my entire morning during working hours trying to determine whether someone opened a credit card in my name, whether my identity was stolen, and who I would need to contact to file a complaint, etc. This should cease immediately. I called consumer finance gov about this when I received the email and the reference number is XXXX. 

This is the email : " Thank you for your interest in a Wells Fargo Credit Card. 
THANKS FOR YOUR RECENT CALL Here 's more information about accessing your current credit card offer Dear REDACTED, As a follow-up to our recent conversation, we want to make sure you have information on your current offer. Sign on to check your offer and complete your secure, prefilled application. 

From earning rewards currency on everyday purchases, * to getting discounts on dining, to booking preferred travel, there 's a Wells Fargo Credit Card that can help you make the most of your purchases and your passions. 

* Rewards currency is earned on net purchases ( purchases minus returns/credits ) only. Monthly or annual rewards program fees, cash advances of any kind, balance transfers, SUPERCHECKS, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points.
PNC Bank has a process for removing the PMI ( Private Mortgage Insurance ) from their customer 's mortgage that entails them sending a form by mail for the customer to sign and return along with a payment of {$500.00} to the bank to have the house appraised by a company of their choosing. My complaint with this system and the experience that I have had with them regarding this request are twofold : 1. The going rate for a single family home appraisal in my area by local appraisers is {$370.00}, {$120.00} less than the rate that PNC charges.
2. I requested the form to terminate my PMI from PNC bank on XX/XX/XXXX. As of today, XX/XX/XXXX, I have still not received the form. I called PNC 's customer service and they informed me that the form was sent out to me by mail on XX/XX/XXXX. I called them on XX/XX/XXXX, worried that it had not arrived yet and asked if they could electronically send or fax the form to me and they said that they could not. Tomorrow I go on vacation for 2 weeks, so I will be paying an extra month of PMI, simply because the bank could not accommodate me in a professional, timely and reasonable manner. 

I feel that this is disrespectful to the customer and that the delay of sending such a form only benefits the bank, since removal of PMI affects the amount of fees that they receive on a monthly basis. How should it take two weeks to receive a form in the mail? Furthermore, we live in the 21st century, where everything is digital. Why should n't a customer be able to download and print such a form from PNC 's website?
XXXX XXXX XXXX XXXX Opened XX/XX/2017 Amount XXXX Account balance XXXX account paid in full and closed
On Tuesday, XXXX XXXX I called this debt collection company that goes by the name of XXXX XXXX XXXX to ask why I got letter saying they were going to sue me. They were demanding a debt more than what I owe and trying to get me to pay more than what I could afford to pay for. The full amount they wanted me to pay was {$1700.00} nothing I 've ever spent. Then they tried to get me to pay XXXX or XXXX. Then XXXX. This was all discussed over the phone number they provided on the letter they mailed to me. I think this was the first letter they 've ever sent me. I do n't remember them ever contacting me although on this letter they claim to have made several attempts.
Double-billed for XXXX transaction by Dillards, XX/XX/2006 & XX/XX/2015. 
Transaction # XXXX. 
Payment deducted from credit card ( {$100.00} ) on XX/XX/XXXX Payment pending ( {$100.00} ) for XX/XX/XXXX. 
Informed by Dillards that pending transaction would be nullified on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX.
I have a Bank of America money network account. I used my card at the ATM to deposit {$360.00} and it did not deposit the money. I called the Bank and told them the problem. They told me to fax over a dispute paper. I faxed it over and they told me that it would take up to ten business days. I sent it in on XX/XX/XXXX and it is now XX/XX/XXXX. I still have not received my money and now they are telling me to resubmit the dispute form and wait another possible ten days.
I called dont think understood wanted chapter XXXX bankruptcy off report incorrect was dismissed and XXXX wrong court dates and attorney dont know how verified
Last year I started receiving phone calls from a collection agency that stated that I had taken out a payday loan in 2008 and it had not been repaid. I told them it was not possible because I had repaid all of my payday loans immediately. They claimed that it had not been repaid and they threatened legal action. It was around {$470.00} and I offered them a settlement of 75 % of the amount if they would just stop calling me. I paid the money and they sent me paperwork proving that it was paid in full. A few months ago, I started receiving skip tracing calls again from another collection agency. This time I decided to not take any of the calls because it sounded like exactly the same type of debt and I thought that if I keep paying it, they can just keep coming back to me for another payment. Yesterday, I received an alert on my credit report and discovered that the collection agency has placed a collection account on my credit report for {$470.00}. It provides no information about the debt they are collecting, not the type of debt or the date of the debt. I am 100 % confident that I have zero unpaid debts for the past 10 years and this is the ONLY negative item on my credit file in that period of time. In addition, they have been calling my children on their cell phones in an attempt to reach me and leaving me messages threatening to call my references. The organization is called " Progressive Management Systems '' XXXX XXXX XXXX XXXX FL. XXXX. I am afraid to contact them directly because their voicemail messages are very aggressive.
I HAVE BEEN DEALING WITH EQUIFAX FOR YEARS. REPORTING IN ACCURATE INFORMATION ON ME. MY CREDIT REPORT I LEARNED HAS MIXED FILES AND I HAVE A SPLIT FILE. I HAD A IDENITY THEFT SITUATION WHICH XXXX  AND XXXX   WAS ABLE TO FIX IN A TIMELY MANNER. NOW FOR INSTANCE THERE IS A AUTO LOAN AND COLLECTION RECENTLY APPEARED ON MY EQUIFAX REPORT AND THE LADY IN THE OFFICE OF CONSUMERS AFFAIRS TOLD ME THAT THE AUTO LOAN ALLY FINANCIAL DISPUTE CAME BACK LAST MONTH IN XX/XX/2018 AND THAT CONFIRMATION CONFIRMED THAT IT WAS SUPPOSED TO BE DELETED AND STATED THAT SHE WAS SENDED IT TO MAINTENCE TO HAVE IT REMOVED WITH THE OTHER LISTED ACCOUNTS I HAD PREVIOUSLY DISPUTED. I HAVE BEEN DISPUTING ITEMS THAT HAS BEEN APPEARING ON MY CREDIT REPORT NOW FOR A YEAR DUE TO EITHER IDENITY THEFT OR MIXED FILES AND SEEMS LIKE IM GETTING NO WHERE. I KNOW THERE IS A MIXED FILES WHEN MY EMPLOYER INFORMATION KEEPS DISAPEARING OFF MY CREDIT REPORT AND STUDENT LOANS ETC. ALSO ONE REPORT SHOWS I HAVE 4 INQUIRES THEN THE NEXT IT IS SHOWING I HAVE 20, WHEN I CALL AND INQUIRE ABOUT THIS THEY CLAIM THE ONLY SEE 1 OR 2. SO ITS NEVER CONSISTENTLY AND I BEEN CALLING ALMOST ON A DAILY BASIS.
Fraud Claim filed with Bank of America on XX/XX/18 for debit card use from complete account takeover. My phone number was taken on XX/XX/18 and ported from XXXX XXXX XXXX to XXXX, then then used a debit card that they had taken from my mail after I had one reissued after attempts were made against it the previous week on XX/XX/18. My XXXX account was taken as well. I have been denied my claim by Bank of America twice because they keep saying that I approved the transactions when I have tried to explain that they were approving them because they had my number, they were also calling into the bank with my number and increasing the amounts/limits that could be used on my debit card. I have been a longstanding Bank of America customer and have never had a claim or a problem of any kind before this.
I closed on my home in XX/XX/XXXX. At the time of closing my mortgage payment was {$4300.00}. Of that {$4300.00} the hazard insurance on the house was {$110.00} and the taxes on it was {$500.00}. The mortgage was pay on time starting XX/XX/XXXX till XX/XX/XXXX when the lender notified me that they did a escrow analysis and my mortgage was projected to be {$6100.00}. My mortgage payments were then adjusted to {$5400.00} for an extended period of time. I paid that amount until XX/XX/XXXX when I has personal issues. The mortgage was eventually modified after several tries and a lawsuit against the lender. Fast forward to today and I have had several structural issues with the house which made me revisit the documents related to the sale of my house. With regards to the lender I filed a complaint with CFPB regarding my loan and as a result they referenced the escrow analysis as if things were normal but then sent me an escrow payment ( which I had never received before for {$900.00} ). This piqued my curiosity so I visited the county treasurer to get the payment history on my taxes and what I found was disturbing to say the least. In XX/XX/XXXX the property taxes paid on my house by the lender {$220.00} which was very low for property taxes. Despite that payment the lender had {$3300.00} escrowed for taxes that it did not pay to the county. The following year with my payment being raised to {$5400.00}, the lender received {$18000.00} in money to be escrowed for taxes. That year along with the previously collected {$3300.00}, the lender was in possession of {$22000.00} in money escrowed for taxes. That year the lender paid {$8100.00} to the county treasurer leaving {$14000.00} in escrow. The following year with my mortgage being raised due to an " escrow analysis '' another {$9400.00} was collected towards escrow for taxes. For tax year XX/XX/XXXX the lender paid a tax bill of {$7900.00} leaving a escrow of {$1400.00}. Again, I reference the fact that up until the most recent escrow payment of {$900.00} I had never received an escrow payment before. The lender collected enough money in XX/XX/XXXX to settle any tax bills and an escrow analysis was over projected. The taxes collected from the original first payment letter would have had the taxes in XX/XX/XXXX short by {$160.00} a month and only {$150.00} in XX/XX/XXXX. Yet my mortgage was raised by {$1000.00} which more than covered the monthly projected shortage.
I have enclosed copies of the tax bills with payments, the original first payment letter I received at closing, and a copy of the most recent escrow payment.