WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX I refinanced my home through Cornerstone Mortgage. I chose this company because I needed to pull money out of my house for college costs for my kids. They gave me a closing cost amount that was slightly over what others were by about XXXX dollars but I went will them because the loan officer ( XXXX XXXX ) claimed she could do it quickly. As is turned out when my home loan was sold to another company by cornerstone virtually immediately and my payment was increased in XXXX of XXXX by {$120.00} dollars a month. After a lot of investigation and run around I found out that the original company CORNERSTONE MORTGAGE had told me that my home owners insurance was paid up for 12 months when it was n't. They only collected 2 months from me and it was due in full in XXXX of XXXX. The loan officer XXXX XXXX XXXX XXXX told me it was an oversight on there part and she could refinance the loan and factor in the additional amount. I explained to her that the reason I went with there company was because it was comparable to others with the closing cost. Of course the other companies were paying my insurance in full. I feel like I was lied to regarding the closing costs as they pocked the additional 10 months of insurance payment that I was told was included and now I am having to pay it again by my payment increasing way over what I was promised in XXXX. I faxed the initial escrow account disclosure to the loan officer and never heard from her. I do n't know if anything can be done at this since it says only 2 months were collected on the paperwork but I wonder how many people this company has done this to that do n't think to confirm with the paperwork or maybe do n't understand what is needed as was my case.
I have a loan with SELECT PORTFOLIO SER. 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, XXXX and SELECT PORTFOLIO SER with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.
Calls persisted. Calls also continued to my place of employment. No action was taken by the company to correct the situation.
Transaction reference # XXXX Amount {$11000.00} Date : XX/XX/2018Transaction reference # XXXX Amount {$100.00} Date : XX/XX/2018 The promise on the Xoom website is to transfer money instantly. When I called them they did talk about the limits which should be less than {$10000.00}. But in one of the above cases it is only $ XXXX.Then they told me about bank providers taking time to clear the amount. If that is true then that should be the same process and same time for all the bank account related transfers. My question was " How can they commit instant transfer, when they do not have any control on that? '' The advertisement on their website misled me in believing that it would be an instant transfer and my plans were hinged on that. I have suffered severe losses for not being able to get the money on time.

Attached are 3 different transaction of 3 different amount which were all delayed for unforeseen reasons not mentioned in the website.
This is serious. I made a dispute regarding a credit card that should expire XX/XX/2018. XXXX XXXX made a huge error & investigated the wrong card. They left the disputed debt on & removed my oldest card which is in good standing. This dropped my score by 100 points! I am trying to clean up my report not destroy it! Please please help!!!!!! 
I did a lot of disputes & if I accidentally did this one please cancel it! I'm so upset!!!! I'm crying!!!
Bayview is issuing incorrect statements and applying my mortgage payment incorrectly. I pay my mortgage payment at the end of each month and include the late fee each month. The mortgage company does not apply the payment correctly and I have to call them EACH month to explain their mistake. I was a senior underwriters in the past and they are negligent on my loan servicing for over XXXX years now.
On XXXX/XXXX/2015 I mailed Experian a dispute letter of a Federal Tax Lien that they are reporting against me. With that dispute I showed them a letter from the IRS that said the lien was withdrawn. That means it does n't exist anymore. On XXXX XXXX, 2015 I received a letter from Experian saying " verified, no change ''. It 's obvious to me that no resonable investigation was made as the facts are CLEAR. This lien has been withdrawn by the IRS and needs to be removed immediately from my credit report.
I am doing a short sale for a client and the mortgage company, Bayview Loan Servicing gave us an approval in XX/XX/2016, but now refusing to honor that approval, so we can close. They have told me several times that the short sale was approved, but when I asked for the renewed approval letter, they keep lying to me. Their intention is not to process the short sale, but to foreclose. They now renege on their agreement in the past to the value.
From the XXXX - We recently reported on the disturbing trend of large U.S. banks  most notably Bank of America ( BofA ) and XXXX using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to gun-owning Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. Now, pro-gun members of Congress are  demanding answers and accountability. You can do your part, too, by lodging your own complaints against the banks with the Consumer Financial Protection Bureau.
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, VA XXXX XXXX Applie4d for and job online told failed background check gave me a number to call I that, to date no call back nor told what I failed They me to keep calling for the information, I am a certified Notary I have a background check which I past and two other for jobs I shouldn't have to keep calling for the information XXXX XXXX Reply | Fri XX/XX/XXXX, XXXX XXXX   XXXX Why was I declined, I called and left messages no reply form XXXX XXXX @ XXXX. 

Sent from Mail for XXXX  XXXX XXXX XXXX | Fri XX/XX/XXXX,  XXXX XXXX XXXX, I want to apologize. When we called we were calling from a list of people that had been to our site. For some reason your name was on there. I see where you were declined back on the XXXX. I am sorry about the confusion. I have attached a copy of the email that was sent to you on XXXX about you being declined. I was out of the office that week and did not know. 

XXXX XXXX
Diversify consultant has been calling me numerous times every day regarding the dept that I did not owned. I know I had a very clean and good credit records. They asked me to release my personal information and I denied. I requested them to remove my phone number from the list but they still continues call and harrash me. Please help.
Portfolio Recovery Associates is falsely reporting an account on my XXXX credit report. Portfolio Recovery Associates lists account XXXX on my credit report for {$760.00}.  Under " Type of Loan '' it is listed as a Factoring Company Account, however, Portfolio Recovery is in fact not a factoring company. This is resulting in the collection being listed under " other accounts '' on my credit report rather than in the " collections '' section, which is an incorrect classification. This is a violation of the fair credit reporting act. This complaint should not to be construed as an acknowledgment of liability for this debt in any form.
Took out a loan with western sky for {$2500.00}, and immediately they turned it over to XXXX. Paid {$290.00} over 16 months ( {$4700.00} ). I realized I could no longer pay this ( behind on mortgage/utilies ) and that this extreme interest is illegal in my state ( Georgia ), requested they stop the ACH and we come to an agreement that they 've received their {$2500.00} already and then some. This was either XX/XX/XXXX or XX/XX/XXXX. They stopped the ACH debits, but are still trying to collect {$7000.00}. Do they have the right to collect?
On XX/XX/2018 I withdrew XXXX from my XXXX account and transferred it to Coinbase. 
I should have changed the coins back to bitcoin before transferring, I know it was my mistake. It was {$9200.00}. 
I contacted XXXX and they said there was nothing they can do because the funds left there and went to a coinbase address. 
I contacted coinbase and here is the response I got back from them. 

Good day! 

Thanks for hanging in there while we investigated this case. 

Prior support personnel were correct in their assessment. Under no circumstances is anyone encouraged or allowed to send digital currency that is not accepted by XXXX, as these funds will be not be capable of being retrieved. 

For more info feel free to peruse here. XXXX XXXX XXXX XXXX My apologies that there isnt more we can do. 

Have a great day, and thanks for using Coinbase! 

XXXX Coinbase Support I contacted XXXX XXXX ( the coins I sent ) and they said they would work with Coinbase on retrieving the funds. 
This is the response I got from tether who said they would help, but coinbase still refused to pull back the funds. 
Dear Coinbase support, I have unfortunately accidentally transferred XXXX USD to my Coinbase address XXXX Unfortunately while you may not directly support these funds they are still now owned/controlled by this address you control. The XXXX team is more than willing to work with you on the recovery process if you will work with them. Can you please reach out to their representative at XXXX for additional information on how to recover and return the funds. 

Sincerely,
I have asked Equifax repeatedly over the past few weeks to remove dispute comments off my account. These are MY dispute comments ( and the dispute is closed ) so it is MY information to delete. The other XXXX major credit reporting bureaus did this for me immediately, but all Equifax will do is add another dispute to these accounts, to dispute my dispute comments. This is even worse! I need these dispute comments taken off immediately.
On XX/XX/17 I submitted complaint number XXXX in regards to XXXX XXXX XXXX. This is an old, re-aged debt that was found not to be verifiable several times by multiple investigations, the last one being the above complaint number. This complaint is against Experian as they have added a debt to my account that hasn't been verified, has been deleted several times, and not once has the reporting agencies followed the fair credit reporting act and VALIDATE the debt before adding to a credit report. This debt can be verified and this is way it continues to be deleted. You will see in the above complaint number that this debt was already deleted once.
This company hired XXXX XXXX to call and claim they are processing a claim against me by XXXX for a lease contract from 5 years ago. This contract is beyond the statute of limitations in the state of California. XXXX XXXX also contacted my father and mom before contacting me and gave them all the information about this case they claim they are opening against me without ever reaching out to me.
XXXX  REFUSES TO DELETE UNVERIFIED HARD CREDIT INQUIRIES OFF MY CREDIT FILE REPORT
The problem I have is with the closing of my loan. Bank of America ended up missing my closing date of my loan twice. It was originally set for Wednesday but missed. Then I was told it would be Friday but it was also missed. We finally closed on a Monday but I was not at all happy with the process. BOA had my mortgage application for 45 days. I feel they were late because of multiple changes in the assigned loan processor ( we had XXXX! ) and that they changed my mortgage loan officer from the original one I locked my loan with to another one over 3 hours from us! 
Originally, I planned on having the mortgage only in my name since we knew my credit score was better than my wife 's score. We were doing a conventional loan but still needed to do PMI because we could not manage the XXXX % down payment. If the loan officer had been willing to communicate with me how the debt/income ratios were calculated for an ARM as opposed to the fixed rate I would have gone with the fixed rate instead of the ARM. We ended up paying way too much on PMI because of this lack of communication and because we had already missed our closing date twice before I found out about this requirement I could n't change to the fixed rate. Also, because they changed mortgage officers on me I feel like I was not given what I was promised with the interest rate we received at closing. I was told at the time I locked my rate that if it came down the mortgage rate would be reduced to the current market rate at closing. This did not happen even though the rate dropped 3/10ths of a percent. My loan was passed around. I dealt with people in multiple states, told that loans payments from previous loans paid off still had to count against my debt/income ratio and had all sorts of issues with the loan processors. All of which I believe benefited BOA and they got what they wanted which was more PMI payments and a higher interest rate at my closing. 
I feel like the incompetence and miscommunication with BOA caused me over {$100.00} a month in addition PMI and interest charges. I have never been so mistreated by a bank before in my life. I want this to be filed against them and I hope it will make them change the way they treat their customers. BOA admitted they did us wrong and mailed me a check for {$500.00} as an apology. That is right, they sent us a check and said sorry we missed your closing not once but twice and that we screwed up you loan! But the grief they put me and my wife, realtor and the sellers through was not worth going through the process with them! They caused us to get into our house late, miss our movers ( they could not reschedule ) and made us move the day before my wife started back to school as a teacher instead of having a week to get settled. It caused harm with the sellers too. This bank should not be allowed to provide mortgages to the public as far as I am concerned. They are a dysfunctional group that does n't care about their customers. They have big money and think that if they send you a few hundred dollars for their mistreatment they can get away with doing whatever it takes to make themselves the biggest bank!
Dear Sir/Madam : XX/XX/2017 someone use my account to purchase of goods and services twice that day for the amount of {$300.00} total which I did not authorize. I contact Bank of America what happen but they reject my claim right away with out any investigation. I report to them to get a new card and I report this to XXXX Police. I contact Bank of America again and again to no avail. 

I am running out option so I have to complained to Ohio Attorney General Consumer protection and they advice me to contact Consumer Financial Protection Bureau. 

I hope Bank of America to investigate that I did not authorize any body to use my card, the card is always in my wallet I never give my card to any body. 
I really appreciate in advance for your help. 

Thank you, XXXX XXXX
i disputed this account over 2 years ago with XXXX ask them to validate this debt they where unable to and removed it from credit reports, Now a collection company name XXXX XXXX XXXX, just placed a collection account on my credit reports, have not received any notice from them and giving me the right to dispute this debt, i dont owe XXXX any money nor have an account with XXXX. 
I AM now asking that XXXX XXXX to provide me a contract with my signature and the amount they have reported to the credit bureaus with out notice to me, an itemized statement from XXXX or XXXX does not represent verification under FTC Opinion letter : ive lived here over to years so my address is known. 
upon the results will determine if i file civil suite against this company.
Many calls ranging from 5-6 per day, often before XXXX and after XXXX. I requested all contact to be conducted on writing and they still contact all day, every day although they have provided no proof of debt.
I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX XXXX Bank and XXXX XXXX Bank. The following court document is fraudulent as well : XXXX XXXX XXXX XXXX : XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank
I went to make a purchase at a local merchant, and he said the minimum purchase amount was {$15.00}. This seemed unnecessarily high. I was under the impression that, under Dodd-Frank, such minimums could n't exceed {$10.00}. When I called XXXX to complain, they indicated that the merchant was free to set whatever minimum they wanted. Could you clarify what the law says? Does it depend on what state I 'm in?
Submitted disputes to all XXXX credit bureaus ( Experian, XXXX and XXXX ) acknowledging there is a derogatory account from 2007 that does not belong to me and to investigate with the credit card company, XXXX XXXX XXXX, that they have no evidence claiming my ownership in their records. All XXXX disputes have returned unchanged. 

Also, Filed a XXXX complaint against XXXX XXXX XXXX, submitting the account is not mine and XXXX XXXX XXXX needs to remove account from reports because I do not acknowledge this account as mine
- XX/XX/2018, I received word from my bank that they needed to check my credit report through Experian in order to move forward on a loan. I went online to Experian and temporarily removed the freeze on my credit report and my husband 's report that day. I received email confirmation that both reports had been unfrozen. -XX/XX/XXXX, I received word that the bank was able to get my husbands report, but not mine. I again went online to Experian and removed the freeze on my credit and again received email confirmation. The bank continued to be unable to access the report, so I called Experian where I was put on hold for 45 minutes. The first representative I spoke to again put me on hold. 30 minutes later the second representative answered. Despite explaining that the bank was unable to access my info the representative insisted that the freeze was temporarily removed. The bank again checked, and they were not able to access the account. I called Experian for the 3rd time and the representative then told me my account was going through " report maintenance '' and being " updated ''? and that they would be able to finish updating in 24 hours. I asked to speak to a supervisor and was told " he was in a meeting and would call me back '' I have not yet heard back from the supervisor.

-The representative also confirmed my concerns that when one has multiple checks on credit, your credit can then be negatively affected! There have been multiple checks because EXPERIAN HAS FAILED TO DO THEIR JOB ... this is not my fault, nor the bank 's. 
-The problem with all of this is that the bank needs the info by XX/XX/XXXX! I don't understand why my information, that I unfroze isn't immediately available to the bank. Because of Experian 's inability to provide MY information, I may be losing a loan on the dream home I'm ready to buy! Experian 's incredibly poor customer service now has affected my credit, my ability to purchase a home.
I have no knowledge of this Dept supposedly opened on XXXX XXXX, 2016 in the amount of {$7700.00}
Sent this message to Wells Fargo on XXXX/XXXX/XXXX on their own contact us page. Your information says there will be no fees for ATM withdrawals for international withdrawals for premier checking holders. You have incorporated fees in the exchange rate that you are using for converting the XXXX that I withdrew. The transaction here you charged me an exchange rate of XXXX XXXX. On the same date XXXX XXXX converted transaction charged on my credit card with an exchange rate of XXXX dollars/euro. In addition to this transaction I had another ATM transaction for XXXX XXXX on XXXX at an ATM and a conversion of XXXX euros in your retail Branch office in XXXX Minnesota. The conversion in the branch offie the Bank officer told me there would be no fees for getting XXXX as long as I was a bank customer. These claims of no fees is disingenuous when you know you set the exchange rate to include a fee component. I believe you should self report to CFPB I followed up with the bank again in XXXX XXXX as they had not adequately responded to me on the issue and basically gave me the run around by referring me to the foreign currency department of Wells Fargo with no specific reference to a banker to direct my issue too. They did follow up in XXXX XXXX and I received a call from XXXX XXXX who could not comprehend my issue and escalated it to a supervisor. I do n't recall the supervisors name but he basically said there was no fee incorporated in the exchange rate and that there was nothing they could do for me. I do truly believe there is a fee incorporated in their foreign currency conversion rate and probably would not have a problem with it other than they sold me on a premier checking account on the basis that a certain number of these transactions per month would be without fees and I believe they are not standing behind their promises and disclosures. Maybe they should not promise things that they will not follow through on.
I put an a request to switch my payment plan to the new REPAYE student repayment plan in XXXX, when it was first announced. It is over three billing cycles later and they have made no visible progress on the request ( normally there is a {$5.00} payment month immediately prior to the switch to the new plan ). Every month is costing me increased payment amounts and accrued interest over what the new REPAYE plan offers. They told me the XXXX month would be XXXX and the new REPAYE month would start in XXXX. Now they are saying to just not make my XXXX payment and then *maybe* it will be fixed in XXXX. The loan servicer is underperforming and costing borrowers money because they 1 XXXX can not communicate accurate timeframes and 2 XXXX are dishonest about what they do say.
Equifax has compromised/leaked my credit and personal information, and is still attempting to charging me for a credit freeze. They are the direct cause for the freeze, yet some how I suppose to pay them to protect my credit.
I have been victim of a fraud to which my bank refuses to take responsibility of. On the XXXX of XXXX, I was given a check to deposit for XXXX dollars from which, I had to transfer XXXX to a supposed limo driver. The arrangements was that I would charge XXXX dollars for a make up service for a wedding, and the rest of the money would be transferred to this limo driver that would bring the bride and the best ladies to my place. The whole thing was a scam, and the check had not funds. The XXXX dollars transfer was made as arranged because the check when deposited was made effective right away and stayed effective for 5 full days before my bank which name is bank of america realized that the check had no funds, and withdrew the funds from my account overdrawing it. Now I'm have a balance of XXXX dollars and the refuse to do anything to help at all. I think they should take some responsibility for the fraud since it is because it took 5 full days for bank of America to realise that check had no funds that transfers to the supposed limo driver were made.
I had a bancruptcy discharged XX/XX/18. I am now receiving collection letters and call from Trident Asset Management listing owner of debt as XXXX XXXX XXXX for {$370.00}, a debt that was discharged. XXXX XXXX XXXX sole this debt AFTER the discharge to XXXX. ( Sold XX/XX/XXXX ) I would like them to cease the harassment and remove any negative information they have reported.