WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I requested a loan from XXXX. I was referred by XXXX 's page on motorcycle loan. I changed the amount to {$16000.00} after finding the specific one that I liked. I had to provide vehicle information ( model, etc. ) before the loan was approved. The fund was transferred to my checking account on XX/XX/XXXX, and I made a payment for the specific motorcycle on XX/XX/XXXX. I subsequently provided more information. The first payment was withdrawn on XX/XX/XXXX. On XX/XX/XXXX, I somebody from the company left a message tat I should call. When I called, they had no clue what it was about. Then I received an email message stating that " After reviewing the vehicle information you entered online, it appears you purchased a motorcycle, which is not considered an automobile. The incorrect loan purpose was selected. Therefore we are requesting that you log into your XXXX account online to schedule a payoff within the next 30 days. '' I talked to a customer rep. ( XXXX ), who said that I could either pay off or have it refinanced. First of all, if I have enough money to pay it off, I would haven't applied for a loan. Second, I was directed by eBay auto financing for a motorcycle loan. I have no idea why I was directed to XXXX if they do not do a motorcycle loan. Third, they should have looked at the information I provided before approving the loan. In any way, I did not hide a critical piece of information. According to the agreement, " The loan evidenced by this Agreement ( " this loan '' ) is made when each of the following conditions is satisfied : ( 1 ) you electronically sign this Agreement and we accept the Agreement ; ( 2 ) you provide us with all the information we request to set up and Fund your loan and verify your identity for authentication purposes ; ( 3 ) we pay the loan proceeds to you ( " Funding '' or " Fund '' or " Funded '' ). '' I have met all requirements. The agreement also states that " We may, in our sole discretion, refuse to accept your Agreement and elect not to pay the loan proceeds to you if ( 1 ) you do not satisfy all of the above conditions by XX/XX/2018 ; ( 2 )  you are one or more days delinquent on any other loan obligation that you have outstanding with us, our successors, or assigns ; or ( 3 ) we have  reason to believe that you made any materially false statements on your application for this loan. '' I did not meet none the criteria. In short, XXXX is attempting cancel this loan, which does not seem to be their right, based on information provided in the agreement.
Hi, I opened my checking account ( account no XXXX ) in the branch XXXX XXXX XXXX, XXXX XXXX  NY with a promo that would give me {$200.00} bonus if I make direct deposit of {$1000.00} or more monthly for 90 continuous days. I also used someone's refer ( XXXX XXXX with account no XXXX ) and each of us would get an additional {$50.00}. However, I met the requirements but I don't see either the {$200.00} or the {$50.00} referral bonus on my account. Tried to contact the branch but they were not able to help. Please refer to their advertisement below in the attachment.
my mother in law got an reverse mortgage in XXXX XXXX for loan was for XXXX which is alot more than the property is worth. well she was in her XXXX when she got this. she is now XXXX.she now needs her son and my help with her finances. XXXX XXXX claims they have sent her XXXX thats on paper that they send her each month.my husband, her son tried to get an 3rd party but XXXX turned him down. they gave no reason. we have power of atty, what we want to know is when did they send this money, how much each time and where were these checks cashed. also she was paying XXXX a month for house insurance. we are completely shocked at that.that house isnt worth XXXX,. we were going to sell it, but nutter is giving us trouble. they want XXXX for an appraisal on the house.the realtor had a buyer. what we want is 3rd party and an itemized statement of when where and who cashed them. mom doesnt have any money at all in her account. there is no way she could have spent that much. the realtor can only find XXXX he cant find about XXXX of the loan. he suggested we get an lawyer. i hope you can help her. she work all her life for that house and now she has no money to take care of her. she should have more than enough for the rest of her life.thank you
Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back in  XXXX , with the University  XXXX   XXXX . These student loans were opened up unbeknownst to me which I was incarcerated ( date of  XXXX  Date the fraud occured :  XXXX / XXXX / XXXX  ; amou nt ( s ) :  {$1700.00} ; {$3000.00} These students loans are old and have been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in  XXXX , and have since been removed from my report  (   XXXX   XXXX   XXXX  University  XXXX   XXXX  and  XXXX  ).     Now, I Have "   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   posted on my report from the same time period the prior students loan information post posted previously, dating :  XXXX / XXXX / XXXX .     This same issue with the fraudulent student loans has come back and repackaged.
I have a mortgage loan with Bayview Loan Servicing and I have been attempting for over a month and a half to get a detailed transaction history on my mortgage account. I have faxed Bayview a formal request as well as emailed representatives with the company of my request. 

My request is for a detailed account of my mortgage since its origination in XXXX of 2005 when it closed with XXXX. I want to account for every dollar added to my mortgage loan since the origination date. This request would not only detail the payment history but also the added fees to my mortgage.
On XX/XX/2018, at XXXX XXXX, I received an email supposedly from Bank of America. It reads as follows : Exclusively for : ( they put my email address here ) Your nline anking has been dsabled for securty purposes, We've detected an unsual activites from your acccunt, We want you to confrm your dentty to secure your accunt. 

Want to confirm this email, s from ank of Amerca? 
Sign in to nline anking and go to lerts History. The lerts History lists the Alerts sent to you in the past 60 days. 

This Alert relates to your Online anking profle, rather than a particular accunt. The accunt listed here is for verificatin purpses only. 

Ths message was maled automatcally to " XXXX '' during routne securty checks. 

Thank you. 
ank of merica Supprt Team Please do not respond to this message.

HOWEVER, I DO NOT EVEN HAVE AN ACCOUNT WITH BANK OF AMERICA! 

They embedded a link under this line in the email : Sign in to nline anking I did not click on it.
I have unauthorized inquiries on my report. I have not applied for any credit and Trans union refuses to remove the inquires.
THIS IS NO WAY MINE. I HAVE DISPUTED MULTIPLE TIMES, AND NEVER GOTTEN PROOF, OR ACTUAL INFO YET THEY SAY THEY CAN VERIFY IT. IDENTITY THEFT. PLEASE REMOVE
I am disputing XXXX XXXX acct # XXXX. This account is saying, opened XX/XX/XXXX and closed XX/XX/XXXX. This account was disputed several times within the past 2 years. Now it's well over 7yrs old from the first delinquency date of XX/XX/XXXX. Also, XXXX energy was NEVER able to provide me any information pertaining to having this account on my credit report. They could never provide the proper social, last name, correct address or any receipts that was paid by me. If they could not provide myself with the correct information. There is no way this should have ever been able to be on my credit report ruining me. Also, this account is past statue of limitations. While it is easier for Transunion to tell the consumer it was verified is beyond me when in reality it was not. Why? Because they could not properly verify anything to me, the consumer. Transunion fails to realize that credit is important to some of us which includes myself. I think it is unfair and illegal to tell a consumer an account has been properly verified when it actually was not. Especially when the company could not even verify correctly with the customer. This is AGAINST THE LAW and very shady!!! I work very hard and take care of my responsibility because I know credit is very Important. And to depend on the credit bureaus to do there job accurately just to see first hand that that is not being done is disappointing.
Union Home Mortgage offered 3 months with no payment last year after the hurricane. We didn't pay for two months and then restarted payments. In XX/XX/XXXX & XX/XX/XXXX we paid an extra {$160.00} for a total of {$320.00}. In XX/XX/XXXX we received an annual escrow account statement that showed we were due a refund of {$1900.00} for overpayment of escrow but " due to delinquent status ... we will retain your surplus. '' We called Union Home Mortgage numerous times to ask that the surplus they we holding please be applied to to what we owed. We talked to first one person and then another with no answers. One person even suggested this money was put back in our escrow to which I asked why, as it was not needed there. No one can give me any answers, however, they are going to start foreclosure XX/XX/XXXX. This company has offices all over the place and 5 addresses that show up on our statements. It is impossible to ever speak to the proper person. They transfer from one to another and NEVER TO THE RIGHT PERSON.
My loan servicer for my mortgage is DITECH. I requested a LOAN MODIFICATION application late XX/XX/2018. Never received it. I waited and waited and then in XXXX I called and talked to a REP. I told him I never received it and all he could say is that he would have to make a request to the main office to see if they would send me another one. He said they had 30 days to make their decision. HAVEN'T GOT IT YET. They constantly play games. My income is {$1500.00} a month and my mortgage payment is {$700.00} and they won't help me. Plus, I can not afford my property taxes. I get SOCIAL SECURITY and a Tiny Pension
There are 3 addresses listed, I only know of two. The XXXX address in XXXX, Mi I have no idea where that 's located.
Account number XXXX I spend of 25 hours writing letters and dispute forms on line with XXXX regard the address on my account was incorrect until after my credit report was marked late 30 days past due. I have spend over 10 hours on phone calls with all their levels of management and customer services departments. one of their customer services rep with their ODOC code XXXX documented the account thoroughly with notes on my account date XX/XX/2018 after speaking with the financial institution 's back in executive team in witch has gone no wear. the representative made it clear that after further and detailed review she requested in her notes to remove the 30day mark from my credit report. The financial institution has no regard or department that handles credit reporting issues and should be looked into further. XXXX account number is XXXX
Deposit was done via atm on XX/XX/XXXX. The same day the bank reversed the deposit. I immediately call the bank to get an explanation on why the deposit was reversed and they said it was due to endorsement. I had review the deposit and endorsement and they admitted to making en error in the reversal. The funds were to be available on XX/XX/XXXX as per the original deposit slip. On XX/XX/XXXX the atm department redeposites the check. However, this time the put an extended hold until XX/XX/XXXX. I have submitted proof the check cleared the bank and the check was paid on XX/XX/XXXX. Even with supporting documentation they have not released the hold claiming the funds are u collected. In the meantime my business is on hold due to lack of working capital.
I 've had my loans with the same processor since I graduated and started making payments in XX/XX/XXXX. I received information that my loan was being transferred in XX/XX/XXXX from XXXX to AES, a division of PHEAA. My loan was transferred on XX/XX/XXXX, and my payment was due XX/XX/XXXX. I could not set up online access to my account, and contacted AES via their website " contact us '' option. I did n't receive a response until several days later, after a second attempt to contact them on the date that my payment was due. I also received 2 pieces of mail from AES the same day, one dated XX/XX/XXXX that read " There will be no change in the terms and conditions of your loan as a result of this transfer. '' The second was dated XX/XX/XXXX, and read " There has been a change in the repayment terms for the loans listed on the reverse side of this letter. '' Due to this, my loan payment amount went up approximately $ XXXX/month from $ XXXX/month to $ XXXX/month. After multiple calls and speaking with various departments and individuals and getting different answers as to why I had no access to my account online, and why my payment amount had changed and why I had received 2 letters on the same day from AES with completely conflicting information, I did 2 things. I sent via fax documentation that I was told was needed to confirm my married name and change from maiden name in PHEAA records and I received confirmation that the fax had went through. I also filed a complaint with the BBB, which is still ongoing. Per the complaint, AES is claiming that they sent me a formal response on XX/XX/XXXX, yet I have received nothing and there has been no attempt to contact me, outside of a paper billing statement for my student loan account and a paper telling me that they were raising my interest rate ( which seems to be punitive in nature, as the raise in interest rate occurred after the filing of the complaint with the better business bureau ). This increase in my interest rate is now the second rate increase in 2 months ( XX/XX/XXXXand XX/XX/XXXX ). I finally contacted AES via phone today, as I do not want to end up negatively impacting my credit score with late payments, and was told by a supervisor that he could not change the monthly payment amount because I had to have it paid off by the amortization date that they had set upon taking over the servicing of the loan. I was also told that they still have my maiden name in PHEAA system, which is why I can not create an online account to access my loan, and they also have no record of my documentation being sent, which included important personal information - a copy of my Drivers license, marriage certificate, and social security card. I confirmed the fax number that it was sent to, and it was the correct fax, and I have the documentation of everything that I have mentioned and described above. After 14 years of making payments on loans, I find it absolutely insane that one company can transfer my loan to another company and then they can change my payment amounts, interest rate, amortization date, etc. any way that they see fit.
On XX/XX/XXXX 2 men from XXXX XXXX XXXX showed up at my door and sold me a XXXX vacuum. They used predatory leaning practices I feel and finance me for 36 months at XXXX rate at XXXX a month with XXXX down thru a bank called XXXX XXXX XXXX XXXX company. They DID not fill out the total sale price box on the bank contract and from what Ive read is against federal truth a lending laws. On XX/XX/XXXX i sent a email showing the loan company the contract was not filled out properly. I have a response of them acknowledging that is was filled out wrong but that they still wont let me out of the loan. And also the men that showed up to sell me from XXXX XXXX XXXX gave me numbers on the bill of sale that never worked. I have copies of everything
I filed a identity theft, report # XXXX and did a certified mailing to TransUnion, XXXX and XXXX. The following items are still showing on my credit report : XXXX XXXX, for {$15000.00} XXXX ( auto loan ) and XXXX XXXX for $ XXXX balance ( credit card ). I also have hard inquires remaining on my credit report. Originally there was 31 inquires and now 9 still remain. ( which are not my inquires and are unauthorized, either verbally or in writing. These inquires are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and ( 2 )  XXXX XXXX. 

The FCRA, clearly states that, if I am a victim of identity theft and file the proper report and submit the documentation to the credit ( which I filed the report on a Federal level and will attach a copy of the certified report ). 

The credit bureaus have 5 business days to remove these items, from my credit file, per the FCRA and it has been two months and the credit bureaus have yet to remove these items as well as these unauthorized inquires. I have submitted two identity theft report, with various items as the items became known to me and have yet to have these last items addressed. I have been shopping for a home and these items are causing me financial harm, as I am unable to receive a home loan as long as these items remain on m, y credit report. 

In addition, I have a credit account from XXXX XXXX XXXX, which was reported to TrasnUnion and as of this date, They have yet to reflect the credit account on my credit report.
XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX on XX/XX/18 we  submitted a request for a payoff. We were told 5 to 7 days turnaround see below request. 

Payoff Name : Selene Finance LP Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Fax : Email : Loan # XXXX Original Loan Amt XXXX Order Task Comments : Good Thru Date Ordered : Deliver to : XXXX ( XXXX ) or XXXX Payoff Order Bank Name : Selene Finance LP Loan Number : XXXX Method of Order : FAX Phone : ( XXXX ) XXXX XXXX Name : N/A Fax : ( XXXX ) XXXX Email : n/a Approx. Lender Turn Time : 5 business days Good Thru Date : XX/XX/2018 Date : XX/XX/2018 As of XX/XX/2018 we still had not received the payoff. We requested again, see below. 
Payoff Track 1 Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX XXXX Name : XXXX Date : XX/XX/XXXX As per CSR XXXX, they received the request and the PO is scheduled to be ready on XX/XX/XXXX. 

Payoff Track 2 Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2018 As per CSR XXXX, they received the request and is in process. 
We should receive it on XX/XX/XXXX. 
*** Bank Name : Selene Finance LP Loan Number : XXXX Phone : ( XXXX ) XXXX XXXX : XXXX Date : XX/XX/2018 Additional Comments : The CSR XXXX is escalating the request to have it as a priority. She said that we can get the PO faxed thru XXXX sometime today. 
Bank Name : Selene Finance LP Loan Number : XXXX Method of Order : CSR : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2018 Additional Comments : As per csr XXXX they did have the request on files and also they sent it to us but since we dont have it on files she will resend it to us by fax. 
This is now XX/XX/2018 we nor our customer has received anything.
Ocwen Financial continues to call me numerous times per week despite asking several times for them to not call me regarding my mortgage loan unless I am late. I have never paid a mortgage payment late but they insist on calling several times a week to tell me my account is past due even though they know I pay it the XXXX of the month and my statement says it is not due until the XXXX. They call repeatedly until I answer while at work and then continue to call even after I tell them what day I will pay it ( again, ALWAYS before the actual due date ).
My wife and I signed a contract from a mortgage broker agreeing to a specific interest rate based on a credit report that was not from experian, equifax, or transunion. I received the request notification from the credit beurous dated on the same date the mortgage broker 's credit report was dated saying : The lender has requested a credit report from " us '' : " us '' being the actual 3 credit beauros. The credit score on the credit report from the credit beauros was over XXXX points higher than the score on the credit report the mortgage broker used to determine the interest rate for my home mortgage.
Green Tree ServicingI several times had to go online and schedule a payment only to call back and ask to cancel that transaction They refused to cancel saying they could not cancel and would send it through and cause me to be overdrawn in my acct and pay overdraft fees for a few months. They also were very rude stating that Greentree has helped me, I was upset, and she told me " dont play this XXXX on me '' ... I have never encountered anyone so rude
We have a mortgage with Suntrust and owe more than the the property is worth. We attempted to sell the property for the amount owed on it, but after many months of being listed with a realtor, we could not find a buyer. So we began the short-sale process XX/XX/XXXX and found a buyer ( XX/XX/XXXX ). Suntrust delayed the process so long that we lost the buyer ( it was a XXXX exchange and there was a deadline by which the sale had to close XXXX. We have found other buyers since then XXXX all below what we owe but at fair market value ). Suntrust has not allowed any sale to go through. Then we requested a Deed in Lieu XXXX DIL XXXX and after much delay, Suntrust approved this XX/XX/XXXX. We received a notice in XXXX that we needed to have the property empty by XX/XX/XXXX ( we had tenants in the property ). We asked the tenants to leave and it is now XX/XX/XXXX but Suntrust has not finalized the DIL. The property is sitting empty and our debt continues to accrue. We are no longer collecting rent XXXX to help offset our losses and to keep the place occupied ). We are unable to get Suntrust to finalize the process and are looking for a resolution.
A company Called diversefied consultants keeps reporting a debt from XXXX XXXX on my credit report. 
The dates are wrong, the balance is incorrect, everything is incorrect. I closed the account with a XXXX balance .... They offered free of charge to come pick up there equipment from my home and then a few months later sent me a bill for picking up the equipment and also at the same time for not returning the equipment. So they charged me for keeping the equipment and for them picking it up ... .. This is happening as well to alot of other consumers from what ive heard ... ... and its a scam and a crime. I work hard to keep my credit report atleast halfway decent, and if i charged something i would accept responsibility. But i didnt. 

And here is the kicker. Ive already had this removed from my report twice. And the credit bureas will remove it and then 6 months later let them re-report it ... ... Unreal ... so its back and forth with these scam artist blackmailing consumers. 

Ive heard rumors that my state attorney general is even looking directly into these con artist. 

I need help with this .... I shouldnt be punished for paying my bills on time and being a good citizen by some thugs intimidating people into paying them hundreds of dollarz for nothing or they will destroy your credit. 

Its sad that i have to take it this far. But i dont know what else to do ... .im so aggraveated, every account on my report is good standing perfect ... .and then there is this blackmail account dragging my score down so i cant get a home, a car, nothing because of XXXX   XXXX and diversified consultants which im sure is just a dba of XXXX  no doubt. What a scam. They have probably wrote the equipment off as a tax loss too when they know good and well they got it back.
I took out a {$2500.00} loan from XXXX XXXX who sold it to XXXX XXXX who sold it to Cash Call. I just found out that they are collecting on a loan without a license in Texas. Cash Call placed my signature on documents with their company name on it and I did not sign anything with them. I was also informed they are not a payday loan company which means they are in violation of Texas statutes regarding APR in addition to lending without a license. I have already paid them approximately {$9000.00} and have just over {$3000.00} left. I do not feel like this is legal.