WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for XXXX XXXX credit card online because I suspected mine and my daughters information had been misused with them in the past. They were the only card at the time that would not deny my appication. Then, when I got the card that I provided my social security number and current spelling of my name XXXX XXXX XXXX, they sent a card with the incorrect spelling of XXXX XXXX instead. The card needed activation. My phone number is compromised and therefor I was not able to activate it. I already have been told by police that I have " lost my identity '' although I dont really know how to get it back. after attaching my card to the user name XXXX and they implied that I had a checking account with them in the past that I am not aware of they allowed me to change the password to the online user XXXX. I insisted I need a fresh foot to stand on and I should be able to activate the card. They said, no, we will activate it for you. I was very upset and said to them '' Do NOT '' but they said it is too late and they said you can use the card now. Since I had no other at the time I began to use it. Then, I called them again about some other problems. Then, I noticed that the card they gave me was not reporting in realtime on the CRA that I had access to. They escalated to supervisor and said that they had 30 days to put it on my CRA report but as soon as they put it the account was deleted without explanation. I told them that I have learned how to swim in fraud as I have no other choice at the moment. Then, they called and said that I am not responsible for the balance but did not explain why as it were all my purchased. They also would not close the card. I disputed it with transunion and it was deleted XX/XX/XXXX they send a letter saying taht I am in erroer because my claim with CRA is not fraud.
I have been working with Citi Mortgage for a very loan time in trying to receive a loan modification. Back in XX/XX/XXXX, I was working with XXXX XXXX a Rep at Citi. We provided all documents for review on XX/XX/XXXX and the file then was officially in review and we were informed that the file was reassigned to XXXX XXXX. On XX/XX/17, we called for the status of the account and scheduled a phone appointment with XXXX XXXX for the following day at XXXX ( we never received the call ). On XX/XX/17 we spoke with Citi and they advised of the exact same documents that were previously provided on XX/XX/17 ( we re-emailed them to XXXX AGAIN anyway ). On XX/XX/17 we spoke with XXXX for the first time since being assigned and he advised that the file had been closed out because the documents were never sent in? XXXX was able to confirm that the documents were in fact received and he would have the file re-opened again. XX/XX/17, we spoke with XXXX who advised that the file was still in review. Again XX/XX/17, still in review and pending a decision. XX/XX/17-Still with the Underwriter as of XX/XX/XXXX. XX/XX/17-Spoke with XXXX with Citi and she stated XXXX noted as of XX/XX/17 account was still in review and she also advised that there were no additional documents needed. XX/XX/17- Emailed XXXX XXXX for a status update ( no response ), XX/XX/17- We called in to Citi and they advised that they need all updated information including the Letters of Explanation that they had been provided before. At this point, i feel like i have been given the run around from them. They continuously request the same information that we provide to them and it just becomes a viscous cycle. I just need your help and i do not want to lose my home.
I have observed Amergy Bank manipulation of my checking account to generate unearned over limit fees for the second time this year.Earlier this year while @ XXXX XXXX XXXX I observed Amergy try to cheat me.
I used Wells Fargo to do a wire transfer of XXXX to a recipient in XXXX. Wells Fargo charged {$35.00} for this service. The recipient received only XXXX. Wells Fargo 's " Combined Disclosure '' document did not disclose that an additional XXXX would be charged, and says " Recipient may receive less due to fees charged by the recipient 's bank and foreign taxes. '' However, the recipient told me that this has never happened with other foreign customers, so I do n't understand how it could be her bank that charged the fee. I have had Wells Fargo open an investigation of where the missing XXXX went, but after two weeks they have no answer for me. WHY DOES THE CFPB ALLOW ANY UNDISCLOSED WIRE TRANSFER FEES? Wells Fargo 's computers know the name and address of the recipient 's bank, so they could also know that bank 's incoming wire transfer fee, if that 's in fact where the XXXX went. If I had known I was paying so much ( {$35.00} + XXXX to send XXXX! ), I would have simply put XXXX in an envelope and mailed the XXXX bills to XXXX. How can anyone wire funds with certainty if banks are allowed to dip in and take whatever they want without disclosing it?
( 9 ) Transunion Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a VICTIM of Transunions " Inquiry Issue '' and have listed above, the inquiries requested to be deleted. Their customer service would not help and take care of these negative inquiries that are reporting on my credit report.
Have n't had a single phone call from this company in nine years. No letters no nothing. Found out a judgment was against me from nine years ago. Called to try to see what the judgement was for and why I have n't heard anything from them. The reresenative XXXX or XXXX was extremely rude would not work with me at all. XXXX talked over me would n't explain things. Was acting in a misleading manner. I tried to give auth for a third party authorization to speak and get information to help with this debt he was rude to her and hung up on her when she asked to speak with someone above him.
On XX/XX/XXXX I put a freeze on my credit due to my wife being notified that her personal information may have been compromised in the Equifax security breach. In XX/XX/XXXX we purchased a new vehicle and I was able to call Equifax, provide correct responses to security questions and successfully have my credit freeze lifted for a specific time period without any trouble. 
On XX/XX/XXXX I sent a letter to Equifax along with a copy of my drivers license and US passport requesting the my credit freeze be lifted through XX/XX/XXXX as we were in the process of buying a home to be closer to essential medical services following a XXXX  XXXX XXXX. On XX/XX/XXXX I called the Equifax Freeze Department to inquire about the status of lifting the freeze on my credit report and was advised that they had no record verifying my social security number and could not lift the freeze on my credit. I was advised to send a copy of my social security card, or a XXXX, or a XXXX with my social security number on it via fax. 
On XX/XX/XXXX a fax was sent to the fax # given by the Equifax representative with a cover letter, copy of drivers license, California State Employees XX/XX/XXXX XXXX, and social security XXXX. I called on XX/XX/XXXX to inquire on status of the request and was told it was not received. Was advised they had a new fax # and on XX/XX/XXXX faxed the cover letter with the request, drivers license, and Social Security XXXX. 
On XX/XX/XXXX I called to inquire as to the status and was advised the documents were received but they were not clear and they needed further verification of my social security #. After speaking with a manager I was told a XXXX card with my social security # would suffice. 
On XX/XX/XXXX a cover letter, drivers license, social security XXXX and XXXX card with social security # were faxed. On XX/XX/XXXX I called to inquire as to the status and was advised the documents were received and they were not entirely clear/legible and my freeze request could not be completed. 
On XX/XX/XXXX and XX/XX/XXXX the same documents were faxed from 2 different fax machines to perhaps provide clearer copies. All copies sent to Equifax on each occasion were clear when sent. 
To this date ( XX/XX/XXXX XXXX Equifax has failed to release the freeze on my credit. In each phone conversation with Equifax representatives, supervisors, and managers it was explained that this situation was creating a severe hardship on me as I was still in the hospital recovering from effects of a XXXX   XXXX XXXX. Was soon to be released and in escrow on a home to be close to medical services and that they were holding up our ability to comply with our real estate purchase contract. This necessitated an extension to our escrow closing date and the release of our loan contingency, due to the lender 's inability to access 3 forms of credit reporting for me.
My XXXX XXXX account is showing 41 % credit utilization there is less than 10 %.
SACOR FINANCIAL, INC has been debiting my account on a debt I owed and agreed to pay XXXX a month. The last letter I received was with a balance of XXXX XXXX/XXXX/14. I called today to find out why they are still debiting my account and they said I still owe XXXX. I asked why my statement stop showing my balance and they said I still owe more money. No where did it say I owe more money. I need help with this matter.
This probably falls under numerous categories. The copied message below is a transcript from my voicemail system of the voicemail he left me yesterday. 

" Just wan na call a wan na (? ) call only is for XXXX XXXX XXXX (? ) birthday XX/XX/XXXX. XXXX XXXX (? ) XXXX and XXXX. My name is XXXX XXXX. I work for the attorney 's offices of Oracle Group fraud litigation apartment and we do work for XXXX XXXX County Court. So you have some very very serious allegations on my desk unless you call us all-this (? ) is by noon Pacific standard Time today Wednesday XXXX XXXX you 're gon na have to retain attorney XXXX XXXX. You also gon na be served papers to the XXXX XXXX County Sheriff 's Department at your place of employment just as simple sir and I 'm pretty sure your employers will not be happy and per federal law sorry I 'm not allowed to leave you any other information. I really was n't he was supposed to give you a call sir but at the pool (? ) at the present moment you have no type of record on your social security number that I can see how this is XXXX XXXX. You call XXXX XXXX immediately sir. I just maybe I get rid of these allegations. My direct line sir XXXX XXXX. You need to reference citation number for the State of California one call me. Citation number XXXX. That 's XXXX. You have been notified sir. "
On XX/XX/XXXX I was notified by Wells Fargo that my account had been hacked into. A series of questions were asked of me and I was told that I had to go into the bank to receive a new atm card. At which time around XX/XX/XXXX I visited Wells Fargo branch at XXXX XXXX XXXX. XXXX. I received a new ATM and was told my account was in good standing. I called a couple of days later to let them know I had done so and I was having trouble paying a creditor. I was told that that specific creditor had a hold. I took off the hold and then they said they had fixed the problem. I had the same error happen when that specific creditor tried for 3x time to get paid and I was given a new routing number. None of the 4 other calls I made was I ever told that my account was frozen. My mortage lender XXXX finally sent me a letter that my account had not been paid in 2 months. At which time I called Wells Fargo and after pleading for someone to help me they read the notes on the account that my account had been frozen because of a bank breach for 2 months. I am currently working with XXXX on refinancing my loan and this is placed my mortage at risk. I want them to write a letter to all my creditors who they did n't pay and tell the credit bureaus. I am held hostage by their employees who have access to the account and I was never notified. Not one call about what was going on after repeated attempts on my part. I want them to pay for all of the late fees that I have been charged from the other creditor as well.
on XX/XX/XXXX i was on difficult with my payment and was trying get a modification for get a comfortable payment but on XX/XX/XXXX my home was sold on foreclosure but one lawyer review my case and accept help me for bring back my property because he saw a lot of irregularity in the sale then the XXXX XXXX XXXX offers to us a modification and XXXX for dismiss the case ans we accept for recommendation of my lawyer the modification was XX/XX/XXXX and my first payment will be on XX/XX/XXXX but the bank dont send to my the bill for send my pay then i call to the XXXX XXXX XXXX and they said my loan was sold to nationstar mortgage then i call them for request my statement under my name for send my pay they answer they do n't can talk to me because i have a lawyer then i return with my lawyer and explain the situation and he said wait don ; t worry nobody know your door ok then i wait for two month and i ask for my name on the title and he said i ; m working on ok but he was charge to me XXXX for the modification and the litigation then i suspend the total payment until he finish the job the he let me know came back for sing the settlement agreement and release on XX/XX/XXXX after singed he promise my property title will come under my name then I trust on my lawyer and paid in total XXXX dollar for the job but pass the time and the property do n't see my name the property continue under XXXX, then I when at the assessor information and they do n't can give me information because XXXX XXXX XXXX on XXXX ca XXXX is under XXXX not at XXXX XXXX then i when with the lawyer on XXXX county and they said no body can help me for bring to me at the title then SOMEBODY help me for contact to you after talk to the consumer protection the XXXX XXXX XXXX call me and they send to me a REQUEST FOR DISMISSAL on XX/XX/XXXX and I SINGNED BECAUSE Iwas looking for my title on my home after thats the XXXX XXXX XXXX made a request for tranfer ( notice of proposrd escape assessment with date XX/XX/XXXX i have the evidence for all i said for myself and and on XX/XX/XXXX i filed a case no XXXX AND I HAVE THE MINUTE AFTER of judge court i hpe you have idea and also I TRY STOP the sale foreclosure that is for XX/XX/XXXX i hope you can help me for my case
Called me XXXX days in a row, after I said I would pay it in installments the XXXX day they called me.
The lender is completely unwilling to make any adjustments to my interest rate to make my payments more affordable. They use a third-party service called XXXX to collect on the loan when it becomes a day late and that service helps me with a payment that is more affordable but the main lender refuses.
rec a ltr that my acct was cr for XXXX this was n't done, and want of statementsements from XXXX to current to see where this cr was issue, as they are now revesring it and putting it bk to the acct.
I am a victim of identity thief and have a police report supporting this fact..I have contacted TransUnion multiple times to have them correct the fraudulent inquiries on my report to no avail..the following inquiries were not made by me nor have anything to do with me..XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
I received a letter from wells fargo with them offering me medication. Wells fargo told me that it could be any issue that i had with them. I sent in my problem i had with them. I received a updated letter with them stating that they would not proceed with medication, because of the issues that I raised was not regarding the unauthorized account opening.
This company has inaccurate information on my credit report and I want it off my report. Portfolio Recovery  Associates, LLC se nt me a letter stating that I own {$1.00},  XXXX  on an account that is not mines. I replied to them more rec ently   XXXX   XXXX  , 2017 and stated that the account was n't mines and if they can validate the information by providing a copy of th e original contract bearing my signature. This company has only sent me an itemized bill of a credit card statement. I have asked them for proof for over a year and they have yet to comply. I have sent them a letter stating that according to the FTC that a printout of a bill or itemized document does not constitute verification of a legally binding contractual obligation agreement and is back up By Federal Law according to the Federal Trade Commission and the Fair Credit  Reporting Act 611 ( a ) ( 7 ), 603 ( 0 ) ( 5 ) ( A ) ( I, III ). I am now strongly considering a small claims law suit.
I have reviewed my credit report and noticed some errors being reported by Discover on my credit file. I disputed the errors with the bureaus and Discover verified them even though that each bureau has different information. On XXXX/XXXX/16 I then sent a letter to Discover asking for documents to review and verify information reported and they ignored my request. On XXXX/XXXX/16, I sent another request to where they replied with a letter stating the account was settled in less than full and everything was reporting correct. Unfortunately it is not the case, the information being reported is different across all XXXX bureaus. I am not disputing if account was settled, I am disputing the accuracy of information reported as afforded to consumers by the FCRA.
Summary of XXXX complaints against Experian that had harmed me by not not fixing credit mistakes delaying my mortgage process : 1. Inaction on a letter of correction for 12 days, 2. XXXX representatives gave me misinformation that this had been corrected, 3. On the XXXX day, the XXXX representative, finally verified the information, however refused to expedite the process of correction, further harming me by delaying the mortgage process by up to 3 more business days. On a further note, I asked to speak to a supervisor or manager to inform them of this complaint and possibly have this issue resolved before hanging up the phone. I was told I was being transferred to a live supervisor, but got a voicemail and I did leave a detailed message with my contact information.
I have tried to make additional principal payments to my Bank of America home equity line of credit. The interest and a small amount of principal are deducted electronically each month from my BofA checking account. From time to time I also send in payments of additional principal. I note on the payment slip that it is an additional principal payment.     Each time, the bank applies the additional payment as the next monthly payment and does n't take the electronic payment from my checking account. I 've tried multiple times to get them not to do this. To no avail.     Each time I call the " customer service '' number on the HELOC statement, I get the credit card department and it can take  up to 30 minutes ( record is 38 minutes ) on h old before I speak to someone in the right department. In other words, there is no " customer service '' at BofA.
Bank of America has refused to follow the rules when it comes to foreclosure processes. I have repeatedly informed Bank of America the modification process is incomplete and pending due to the fact no written determination on appeal has been issued to me by an Appeals Specialist of the Appeals Department. However, Bank of America broke the rules by starting the foreclosure process before completing the modification process, a practice prohibited by law commonly referred to as Dual Tracking. 

Bank of America had no intention of honoring my request for mortgage assistance by offering me a Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Trial Payment Plan ( TPP ) as the Bank of America Appeals Department instructed and directed on XX/XX/XXXX upon completion of the timely requested appeal review as a result of the XX/XX/XXXX MHA HAMP incorrect denial. Once it became clear to me Bank of America decided not to modify and chose to separate me from my home by hook or crook and an improper non-judicial foreclosure, my only option was to force Bank of America to bring the matter ( or related matter ) through California XXXX Court to be decided. This is where we are at. Bank of America must bring legal action to evict me from or gain possession of the subject property. To successfully do this, Bank of America must first prove Dual Tracking, or any other violation of law, has not occurred allowing for the XX/XX/XXXX recording of a Notice of Default ( NOD ) resulting in the XX/XX/XXXX Trustee 's Sale at public auction. 

All previously mentioned resolutions are desired and mandatory.
During the period of my car note I needed a couple extensions. I tried very hard to keep up with everything because I live alone and support myself. I told that my loan with each extension would make my maturity date extended an extra month but what they did n't explain is how much interest they would charge me in a  one  time fee at the maturity date. I was making payments and after I checked the next day to make sure my payment was accepted, i had a random past due notice of {$2900.00} about a month ago and I called to ask about it and they explained it was for the Interest EACH DAY for each of the extensions i took during the period of the loan. I explained that I could n't possibly pay all that at once because yet again I am still a single person trying my best to pay all my bills and all they could tell me is that " well we were here when you needed the help, but that all has a cost involved '' I do n't believe it 's fair to charge this much knowing that the person asked for help for a reason in the first place. It was n't fully explained the actual cost that would be involved when taking an extension. I think they are taking advantage of people who are trying really hard to keep up with everything they need in life to survive and forcing them to pay a fee for being human. I would really like some help with this.
XX/XX/XXXX I lost my job. I was not able to find another job before my note was due in XX/XX/XXXX. XX/XX/XXXX came and went and still was not able to find a job. XX/XX/XXXX I was force to file chapter XXXX. At the time of filing Chapter XXXX I was due for XX/XX/XXXX through XX/XX/XXXX. My payments was XXXX due to the loan modification XX/XX/XXXX. My arrearage was {$1100.00} at the time of filing Chapter XXXX. The amount I paid to my prior and current servicer was {$9500.00}. In my proof of claim that was filed it stated I was {$1100.00} arrears ( included ). I want to know what is the pre-petition payment, plus fees and costs that total arrearage of {$9500.00}? In my loan modification that was complete XX/XX/XXXX page 2 parg. 3 B it states The modified principal balance of my note will include all amounts and arrearages that will be past due a of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, unpaid amounts ) less any amount paid to the lender but not previously credited to my Loan. With this being say anything that I was in the arrearage for prior to XX/XX/XXXX was modified. I want to know where was this money was applied? I want a break down of the pre-petition payment, plus fees and costs that total arrearage of {$9500.00}? I want a copy of there proof of claim. I will enclose the Loan modification, Chapter XXXX filing I have circle the arrears amount, letter fro XXXX that my loan was modifiedXX/XX/XXXX. Also a break down fee sheet from XXXX on my account from the prior modification to XX/XX/XXXX.