WillisBack/dataset-financial-user-claim huggingface dataset:
We applied to refinance our XXXX lien loan under HARP. We also have a XXXX lien loan that is serviced by Green Tree Servicing, which needs to be subordinated. The subordination required a prepaid processing fee that was paid in advance and not disclosed on the GFE. 

The problem is the utter lack of customer service in processing the request and not with the nondisclosure. Green Tree requires communication between my mortgage company and them to occur via fax. This has proved extremely challenging in meeting green Tree 's requiring an AVM in lieu of an appraisal. [ It should be noted that XXXX is not requiring a formal evaluation in their approval. Thus, when Green Tree stated they needed an appraisal or AVM, we elected an AVM since no cost ]. 

The AVMs provided to Green Tree, as of XXXX XXXX, 2015, have not met their standards. As a result, our interest rate locks can no longer be extended without substantial costs incurred by us or accept current, market interest rates. Due to an increase in rates since application, this will result in additional interest expense over the life of the loan as well as a higher monthly payment obligation. 

We, including our loan officer, have never experienced such a lack of customer service. This experience reminds me of the foreclosure debacle, which Green Tree was investigated for. Unfortunately, lessons learned were not relaized by Green Tree subordination. We as customers can not talk with this team directly. Repeated calls to their customer service team have resulted in apologies and calls that are transferred to incorrect resources. 

We are above average consumers ; college graduates and former XXXX. We are willing to overlook human errors but this appears to systemic rather than an isolated instance. The undo additional requirement of requiring an appraisal or AVM has resulted in an application that will now result in additional costs that we could not have reasonably avoided. 

We appreciate you looking into this matter so no other consumer experiences what we have. We will incur additional costs as a result of this issue.
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX
I received a card from BRINKS which I never wanted or applied for. They have all my information on it and a number to call to " activate '' and another number on the paperwork to " OPT OUT '' calling the number to OPT OUT I was told to call another number, when calling the other number was told to call that other number completing the RUN A ROUND.
The CFPB has taken action against numerous banks and debt collection companies for collectors using the talkoff that making a past due payment will improve the debtor 's credit score when, as the Bureau alleges, banks and debt collectors do not know what drives the score and therefore it is a deceptive practice to use credit scores in the talkoff. 

Today, XX/X/2017, SoFi advertised student loan refinancing options by stating that those who refinance saw their scores improve by 17 points. How is that not also deceptive? If banks can not use it for debtors who contractually owe them money, then SoFi should not be allowed to deceive consumers either!
Capital One -- XXXX  and XXXX still shows I have a debt with Capital One for {$150.00}. 

This account has been off in FULL. I have numerous documentation and Capital One itself will agreed account has been closed and paid off. 

I disputed directly with XXXX  and they refuse to fix it on their report. Same with XXXX. I have contacted Capital One numerous times and was told it takes time but it has been already over 30 days. My credit score is taking a hit of incorrect reporting! 

Account ending in XX/XX/2001 has a XXXX balance.
I am XXXX XXXX XXXX XXXX, I am a XXXX and I was studying XXXX in your country with a XXXX. I opened an account in the Bank of America in XXXX, the account number is XXXX. 
XX/XX/XXXX I did an online transaction with my debit card, I paid XXXX dollars for eight ( 8 ) days in the XXXX hotel using a web site of XXXX. That company had a similar name of XXXX. When I received the confirmation email I realize that that company was strange maybe fraudulent. I called to the bank of America and blocked my debit card. After I called to the police and I called to bank of America again, and a girl said me that XXXX tried to get twice my money, then I started a process for a fraudulent website, but the bank made a mistake giving me XXXX temporary credits each XXXX for XXXX dollars. I returned XXXX credit XX/XX/XXXX in XXXX in an office, and I returned to XXXX XXXX XX/XX/XXXX and I did n't use the hotel. I did a deposit of XXXX dollars for the second credit from XXXX XX/XX/XXXX because the bank said me that it was n't a fraud transaction because I did it online. 
I did a new claim by non giving services to XXXX but XX/XX/XXXX the bank said me that the claim was closed and they did n't say me anything about the answer of that company. XX/XX/XXXX I called to bank of America front to cancell the account but they gave me another temporary credit that I did n't ask or want and they used this credit to lay the monthly maintenance fee. Now I am trying to return the credit to the bank but they do n't answer my calls if I use my account number. I do n't want to have his account opened because I am in another country. 
Please I want to close this account, candid it 's possible get my money back from XXXX. 
Thank you very much for your help.
I was contacted by an unknown number this morning, and when I answered I was informed that whoever was calling was looking for my father. They asked to speak with him but I was given no other information such as who was speaking or where they were calling from. Without knowing who I was speaking to, I did not disclose any information. Rather, I asked the caller to identify herself and after various attempts she finally gave me her name. I then asked her where she was calling from ( as in which company ) and she refused to answer. Instead she kept asking for my father. When I would n't disclose if I knew him or not she hung up on me. At this point I was curious as to who was calling soliciting information about my father so I called the number back and asked where I had called. The representative told me I was calling Glass Mountain Capital. I went online to see what this was and found out that it was a debt collector. 

My issue here is the fact that after various inquiries, the debt collector failed to disclose the fact that she was a debt collector. If I had n't called the number back, I never would have known it was an attempt to collect a debt.
I filed a Chapter XXXX Bankruptcy in Federal Court in XX/XX/2016 and Caliber Home Loans is claiming to be the servicer of my note but I have yet to receive an updated statement. I still do not have documentation proving that my note was sold, nor do I have a receipt of all the pre and post petition payments made to them. I attach a copy of the evidence of payment during last year to the Trustee. I demand a correct statement and all information regarding my mortgage.
5th 3rd bank and affiliates continue to harass me.also a court in XXXX XXXX has denied them any further action against myself.they wo n't remove this from XXXX bureaus or credit reporting.they soon if do n't immediately comply within 30 days will be sued.I have had it.I have proof this has been denied by a judge
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step 1 : What is this complaint about? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal money transfer to my XXXX XXXX Account, in the amount of {$200.00}. 
Was promised to be completed in one business day, it has been 3 weeks and PayPal will not tell me where my {$200.00} is. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step 2 : What type of problem are you having? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After contacting PayPal, no more response from the company in terms of where my {$200.00} has disappeared to. 
It's not in my bank and it's not in the PayPal account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Step 3 : What happened? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After contacting the bank, multiple times as requested by PayPal, the bank ensured no {$200.00} transaction from PayPal has come through or been attempted. 
This has caused a returned items fee in the amount of {$29.00} that occurred more than a week after the expected funds available. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step 4 : What company is this complaint about? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paypal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Step 5 : Who are the people involved? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PayPal, and I XXXX XXXX XXXX
My student loans are in the income based repayment status with {$0.00} due each month. The loans were dispersed XXXX months apart from another while still in school. Somehow my student loans are reported to the XXXX credit reporting agencies as being delinquent back in the beginning of repayment when I was covered by a forbearance waiting for approval of my income based repayment plan application. After disputing this for XXXX years, I finally was awarded a dispute victory for XXXX of my student loans but the other loan is claimed to be reported as accurate. My reasons for dispute have not changed in the past five years yet all of a sudden the results changed. The largest that I carry is my student loans. I am unable to get financing for my XXXX that I started just over XXXX years ago due to the only loan that I carry being an adverse status which is incorrectly reported but claimed to be correct. Not sure how this is especially when it 's a federal government student loan so the federal government is the one reporting the information is accurate when it 's inaccurate and preventing me from accessing Capital to grow my XXXX.
XX/XX/XXXX, our Loan servicing was transferred from XXXX to Carrington Mortgage Services , LLC . We never received any communications or information from Carrington. The only information we received was a notice of servicing transfer from XXXX. XX/XX/XXXX, we finally get a letter asking for updated contact information. I mailed updated contact information back to Carrington. XX/XX/XXXX, an unknown person showed up at our residence with a piece of paper with a phone number that stated contact as soon as possible. My husband called the number XXXX on XX/XX/XXXX. It was Carrington and the conversation was about what were our intention to do with the property. He asked why have n't we received a monthly statement and was told they do n't automatically send them, we have to request one. When I mailed XX/XX/XXXX payment, I requested a statement and have yet to receive one. XX/XX/XXXX, we received a blue envelope from Carrington with our check for XX/XX/XXXX 's payment and a letter demanding a quick collect or XXXX XXXX payment. XX/XX/XXXX, my husband called Carrington about why we received the letter and why they returned check for XX/XX/XXXX. He informed them that all payments were made on time and up to date. Carrington had cashed all our checks. They stated their records showed no payments were made. 
I pulled cleared checks from our and faxed to them. Carrington stated they will look into it and get back with us but process could take 30 days. XX/XX/XXXX, we received a letter of intent to foreclose and another one XX/XX/XXXX. This has been very frustrating to have to deal with a Company that is supposed to have our best interest first. They have been cashing payments and not professionally handling them. Then to threaten foreclosure when they are mishandling funds. We have to jump through hoops to prove to them that we 've paid them. It 's sad. I had a credit card cancelled due to incorrect information being reported to the credit bureau due to their mistakes.
I received letters, XXXX XXXX XXXX XXXX dated XXXX/XXXX/17 and XXXX XXXX dated XXXX/XXXX/17 ), from two furnishers on my consumer report stating they did not service the accounts. XXXX and XXXX deleted both, however, Equifax refuses to delete. I submitted the letters to Equifax and ask them to delete the accounts off of my consumer report and they are still refusing to do so even after I sent them copies of the letters from each furnisher. I called and spoke with an agent that stated they had completed the dispute and that they did not have anything from the two furnishers stating that they no longer had the accounts. The letters from both furnishers are attached.
Ever since I was forced to file Bankruptcy in XXXX 2008 I  have made all payments on time as agreed and paid off all Credit Card Debt Monthly Balances in Full. All other installment loans such as Mortgage, Auto and other installment loans have all been paid on time as agreed or paid off sooner. I have only applied for and obtained credit as needed. After following all of the purposed recommendations my credit score still remains well below XXXX. My score seems to bounce back and forth in the low to hi XXXX 's. I would not have had to Bankrupt in the first place had our Government been in control of our Mortgage & Banking Lending Practices. The Housing Market would not have come to a complete CRASH had our Government put into place Strict Regulations to prevent Appraisers from preparing false Housing values, Our Government continues to fail to Regulate the Banking Industries Lending Practices and it appears that we are heading right back into another Recession. As for my own personal Credit score. It  appears that all three of the Credit Reporting Agencies are creating a false and very Low Unrealistic Credit Score. This has become very obvious based on my credit history since Bankruptcy. I believe they are doing this so that Lenders will not offer me the best credit available and instead these Bureaus are creating the scenario that forces me to pay higher interest rates and fees. Most importantly Experian Credit Report is what Credit Check Score is basing my Credit Score from. So I ask you again how can I improve my credit score to over XXXX? It is obvious that I pay all of my payments on time, keep all credit cards balance paid off every month and have done everything suggested by Credit Score as well as Experian. I am frustrated by the constant interference by the Credit Reporting Agencies and their low intentional Credit Scoring that is designed to force me the Consumer from obtaining the best credit available. A copy of this email has also been sent to the US Treasury and the Consumer Financial Protection Bureau for their review as well. Very Respectfully, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
XXXX XXXX XXXX , XXXX. located in XXXX XXXX, MN claims that I owe a debt of {$1100.00} and that the original debtor was XXXX. I sent the initial letter disputing the debt on XX/XX/2018. XXXX XXXX replied claiming that the debt was " verified '' however, they have failed to provide competent evidence BEARING MY SIGNATURE, showing that I have ( or ever had ) some contractual obligation to pay them. This is a violation of FCRA & FDCPA. If a company is unable to validate the debt, it must be requested by the credit bureaus that the entry be removed. 
On XX/XX/2018, I sent a second letter to XXXX XXXX requesting, yet again, a contract bearing my signature as proof that I have a legally binding contractual obligation to pay them. XXXX XXXX responded with an itemized statement rather than my signature on a contract. I requested for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I may inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they must be aware that a printout of a bill or itemized document does NOT constitute verification. 
I am a victim of identity theft, and I am simply requesting proof.
i want to work something out to build my credit back i was young and did n't understand my limits
Toyota Motor Credit Acct # XXXX is reporting that I owe a balance of {$1100.00} after turning in a leased vehicle. These are outrageous and inaccurate charges that are NOT TRUE! They are charging for keys when both keys were turned in the same day that the car was returned to XXXX XXXX XXXX. They also state that there were " scratches on the spoiler '' - there 's NO spoiler on the car. I was n't even there when the so called " inspector '' looked at the car.. They even have the interior color wrong! The vehicle was well taken care of, including low mileage and in great condition. I have called several times to try to rectify this situation and I get nowhere! I 've also sent demand letters. Their customer service has not helped me in any way. The information being sent to me is not accurate. I am so disappointed with this company!
I have a loan from Equitable Acceptance. They called me about payment and yesterday ( XX/XX/2017 ) at XXXX and at XXXX. They also called my work link at XXXX and a family member shortly after. They should not have this family members phone number. They informed her that they were trying to reach me or my husband about a personal matter. I pay equitable every month. I believe there were only two instances in which I was over 30 days in paying. 

I 'm okay with them calling me. However I am not okay with them reaching out to family members as this feel close to harassment, especially when they had already receive payment for this month ( XXXX ).
Two issues:1- I download and reconcile the data from this account daily and payoff the balance by electronic transfer from a XXXX checking account ; despite the balance being deducted from my XXXX Account , it takes days for Chase to credit my credit card account. 
2. Despite the process listed above ; even when my own account, updated daily, and showing now balance due, Chase shows a balance due and charges me interest on the alleged " balance ''. 
Chase Bank is using fraudulent accounting practices and deliberately delaying processing accounts in a fair manner in order to increase fees and profits
Equifax stated I had to mail them a request for a free annual report. I had no problem at all with XXXX or XXXX obtaining a free online report. 

This is simply an attempt to avoid providing a free annual report.
I received an email from Discover stating " We 're writing to let you know that your XXXX Pay purchase on XXXX XXXX, 2015 for {$1200.00} at XXXX XXXX included a gift card. The gift card portion of your purchase does not qualify for the XXXX % Cashback Bonus ( R ) promotion... if you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. '' My purchase did not contain a gift card, and no one where did Discover 's Terms and Conditions disclose Discover would ask for documentation of what was purchased. This puts an unnecessary and unreasonable burden on me as a consumer to provide proof against an accusation Discover is making while having zero grounds for making said accusation. What would happen if I did not keep my receipts from more than 3 weeks ago? Should I be keeping my receipts for all of my purchases made with my Discover card? It would be nice to know beforehand and not after the fact. To summarize, Discover is not abiding by their Terms and Conditions by making unfounded accusation and placing the unjustified burden on the consumer. I 'm extremely disappointed with Discover 's lack of integrity and transparency. I have a strong relationship with, and have never encountered such issues with XXXX, XXXX, XXXX XXXX, or XXXX XXXX XXXX.
I have a some addresses on my report that are not mine. My name is XXXX XXXX. XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX  (XXXX XXXX) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX  , XXXX,OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXXTHE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE(XXXX) XXXX  (XXXX) XXXX (XXXX) XXXX  (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX   (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be  removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.
On XX/XX/XXXX, my XXXX check was deposited into XXXX XXXX and I was not aware that a Writ of Execution was presented against my checking account the same day. 
On XX/XX/XXXX, I notified XXXX XXXX XXXX, XXXX. that represent or the owner for XXXX XXXX XXXX XXXX XXXX that my monies are exempted ( XXXX benefits ), didnt received no information about a Writ of Execution ( XX/XX/XXXX for {$2500.00} ) or any bills due, statute of limitations have passed, bankruptcy was filed recently and violations of state and federal laws. 
On XX/XX/XXXX, I find out from Justice Court ( Received copies for Case No. XXXX - filed on XX/XX/XXXX -- closed on XX/XX/XXXX -No summons or complaint were issued ) that these are medical bills from XX/XX/XXXX in the amount of {$1000.00} that are not mine. Still today can not get my money out of my checking account due to violations from XXXX XXXX XXXX and XXXX XXXX.