WillisBack/dataset-financial-user-claim huggingface dataset:
I have been working on a modification with my current lender Freedom Mortgage since XXXX/XXXX/16, the file was deemed complete on XXXX. Every week that I call Freedom Mortgage they provide a different dates it was deemed complete until I read them the previous weeks notes and then they confirm I was correct would be the first problem. The start of the problem is according to the Lender the file goes to underwriting to see if they have all documents and then the file gets assigned to a single point of contact after they decide to deem the file complete which according to the weekly calls was completed on XXXX/XXXX/16 as I mentioned earlier. I was informed that the file would have a decision on XXXX/XXXX/16 and assigned, I called today and the file is not assigned and there was no decision on the XXXX of XXXX nor today which is now the XXXX and we are 40 days from when the file was deemed complete. The representative that I spoke to today stated that the 30 days for underwriting does n't apply to Freedom Mortgage because they can go up to 45 days. According the the CFPB guidelines the lender is to send a notice to all clients stating that the file is completed and the 30 days starts then, no letter has been sent nor received and Freedom Mortgage is not in compliance. 

I will not let Freedom Mortgage victimize me and take away my rights as a consumer when guidelines have been placed for all services to comply to ensure proper procedures are being followed.
I have provided the attached letter from the originator of a judgement that was obtained against me by mistake. I have forwarded this letter to the XXXX major credit reporting agencies and all but has remove the item from my credit report. Equifax is the only agency that has not removed the judgement and they have not responded to numerous letters on the subject. I have now been turned down for a refinancing of my home by my current mortgage company, XXXX XXXX XXXX, and this item was XXXX of the reasons stated for the rejection. This refinance would have decreased my monthly note payment by over {$1200.00} a month.
In XXXX I had a bank account with Wells Fargo Bank in XXXX Arizona. I closed the account when they told me I owed them & gt ; {$9000.00} in overdraft fees. Then In XXXX Wells Fargo took all of my money out of my account at XXXX Bank XXXX, XXXX AZ right after I had refinanced my home. The amount was {$14000.00}. I filed a complaint in courts in XXXX, AZ and the Judge ruled in favor of the collection company that bought out the debt from Wells Fargo Bank. The collection company stated that the debt was for a credit card. I did not have any credit cards with Wells Fargo Bank! I did not have a credit rating high enough to get ANY credit cards, let alone XXXX for $ XXXX. I did not owe Wells Fargo Bank that money and now have lost $ XXXX to their collection company. I asked them for proof and accounting of the money they stated I owed and they would not provide that to me. 
So without any proof of the money owed or any accounting of the fees or any financial statements, the Judge gave the collection company for Wells Fargo Bank my $ XXXX dollars. 
Is there any recourse for me? Would n't they have to prove that was truly owed to them? There was nothing on my credit reports that stated that I owed Wells Fargo Bank any money for credit card debt PLEASE HELP. I can get the transcripts of the court appearance for proof that the atty stated that I owed for a ( nonexistent ) credit card
On XX/XX/XXXX my Chase/XXXX credit card, open since XX/XX/XXXX, was transferred to XXXX, along with my specified {$13000.00} credit limit I worked to maintain. 
When applying for a new Chase card I was denied retaining my {$13000.00} credit limit even with a FICO score of XXXX, I guess because it transferred too, without notice to me and without my permission. I have always paid in full at the end of every month and have never been late so my record is remarkable. 
I do not plan to use a XXXX credit card at all or ever. 
I want restoration of my {$13000.00} credit limit to a Chase bank credit card, without XXXX, and with no penalty to my credit score or my credit standing. 
I have good reason to believe that XXXX is disclosing my personal information without them requesting proper identification from a phone caller or identifying themselves. 
This is most unfortunate and causes me personal identity concern and I feel I am " caught in the web '' of this transfer, XXXX divesting or whatever they choose to call it. The only notices have come from Chase, which has shown consideration, and nothing from either XXXX or XXXX at all.
On   XXXX     I contacted  XXXX   XXXX  in  XXXX  Florida inquiring about a vehicle. I was told to submit my information into their website for pre-approval  WITHOUT  a hard inquiry. No impact on my credit score. I called and confirmed this several times with the sales person, the pre-approval was soft inquiry with no impact on my credit score. The next day I received an alert that a hard inquiry had hit my Equifax report. Upon checking, it was  XXXX   XXXX . I contacted the dealership and was told that they were mistaken about the inquiry and I asked them to remove it.They said they would look into it and get back to me. After a few days with no response or removal, I again contacted them and I was told that they did not have the ability to remove the inquiry. I disputed it with Equifax only to have the dispute closed within  XXXX  hours stating the inquiry was validated as accurate. I contacted Equifax and they told me that only the dealership can remove the inquiry meaning the dealership lied to me both about the inquiry in the first place, but also that they ca n't remove it.     I did NOT authorize this hard inquiry and I want it removed.
On XX/XX/18 I checked my account online to find 2 unauthorized charges. I contacted them immediately both charges were pending.. they paid XXXX 2 charges {$190.00} {$240.00}. XXXX is slow to get back to me..
XXXX   XXXX   XXXX   XXXX   located in California is reported on all   XXXX    of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   at   XXXX   in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild it.
IT HAS COME TO THE ATTENTION OF MYSELF AND MY HUSBAND THAT CITBANK XXXX, HAS BEEN TAKING DOUBLE PAYMENTS FROM MY XXXX ACCOUNT AT MY LOCAL CREDIT UNION. IT SEEMS GOING THROUGH MY LAST YEAR OF STATEMENTS IT HAS GONE ON FOR ATLEAST SINCE XX/XX/XXXX ... 

CITI BANK DID STATE TO ME VIA RECORDING THAT THEY DID MAIL OUT DUPLICATE CARDS BACK IN XXXX AND XXXX OF SOMETIME NOT SURE OF THE YEAR SINCE WE HAVE BEEN MEMBERS SINCE XXXX. ARE CARDS HAVE BEEN PAID IN FULL AND HAVE NOT BEEN ACTIVATED OR USED SINCE XXXX, XXXX. IN XXXX. 

PLEASE LET ME KNOW HOW TO GET THE COLLECTION CALLS TO STOP AND THE FREEZE TO HOLD ON MY ACCOUNT SO THAT IT WILL STOP GOING UP. I HAVE SPOKEN TO XXXX IN FRAUD, XXXX, AND SEVEAL OTHERS AND KNOW ONE KNOWS WHATS GOING ON. 
I HAD MY IDENTITY SOLEN ... AND JUST FOUND OUT IN XXXX OF XXXX. I FILED WITH XXXX AND HAVE A FILE # AND WITH SOCIAL SEC. 

THANK YOU.
I was in debt with US Bank and it was turned over to XXXX XXXX XXXX to collect the debt, and on XX/XX/XXXX they filed a complaint with the court of XXXX county, in XXXX IL for the amount I owed them {$11000.00}. 
On XX/XX/XXXX I filed for bankruptcy with XXXX XXXX with XXXX   XXXX XXXX XXXX. 
I was granted a discharge on XX/XX/XXXX United States Bankruptcy Court of XXXX Illinois case No. XXXX chapter XXXX. But now 5 1/2 years later I am trying to buy a house and XXXX XXXX tells me that I have an unsatisfied judgement against me that came up on me through court records. Apparently the discharge from my list of collections were all listed and most said NA for balance discharged, but unknown to me the balance for discharge to XXXX XXXX was listed as only {$1000.00}. My attorney has informed me that since this debt was all incurred before I filed for bankruptcy, the balance owed is all discharged, and the balance listed should not matter. XXXX XXXX   says they will not give a loan for a house until this judgement is satisfied.
I submitted a short sale on my property a few months ago to my mortgage servicer Wells Fargo. Wells Fargo countered the offer 5 weeks ago, the buyers countered back. The offer is almost the appraised value, off by maybe {$2000.00}. Wells Fargo will not reply now to phone calls or emails. Its been nearly 4 weeks with no reply.
On XXXX XXXX, XXXX I received an alert stating that there was a new hard inquiry from CBNA on my XXXX report. The alert said : A potential creditor or employer reported that they pulled a copy of your credit file because you applied for credit or services with them. This is inaccurate. I have not applied or done anything with CBNA. I reached out to CBNA,  which is Citbank and they have no record of this inquiry on this date. They pretty much gave me the run around. I called Best Buy, which I do have an account with them but that account is at a XXXX balance and I have not inquired for any new services. They also had no record for any transactions for XXXX XXXX, XXXX. I contacted XXXX and they were only able to give me the same information I gave them however, they were no help.
I have a unverified account from EOS CCA # XXXX. I had previously disputed this account. I have never done business with EOS CCA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that EOS CCA Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I keep getting calls from a Diversified Debt Collection Agency. XXXX. I do not owe money to know one. All my bills are paid up and on time. I am on payment plan for my last bit of medical from my surgery. I want them to stop calling. I have never gotten any paperwork in the mail. I have perfect credit and have to because of my job. It better not be effected. If it has been someone is getting there XXXX kicked. I am sick of this. I want proof I owe no money and a letter stating my credit has not been effected.
I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and XXXX   XXXX made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from XXXX XXXX is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time XXXX  tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.
In 2013 I moved out of my apartment where I had XXXX XXXX XXXX. I sent the equipment I was using back via prepaid shipping labels that XXXX provided me. Not long after they attempted to the claim the equipment was 'never returned '. I argued this point with them originally and they agreed back then and backed off the issue. Fast forward to this weekend and I have a fraudulent derogatory mark added to my credit by 'XXXX XXXX XXXX ' in the amount of {$380.00}. This is absolutely fraudulent and attempt to derail my near perfect credit between two corrupt organizations. I 've heard of this exact same tactic being used on many individuals via online research. I want this removed from all three credit reports immediately and both of these companies should be pursued with legal action!!!
Wells Fargo established a savings account for me and my husband and told us there would be no monthly fees a XXXX DC branch ( at XXXX XXXX XXXX XXXX XXXX, XXXX DC XXXX ). That was 4 years ago. Despite that they began charging me a monthly fee. We complained and they reversed the fees and stopped charging us. That lasted a couple years ... but this fall they began charging us again. When I called Wells Fargo they said that we were given incorrect information and that all their accounts have fees. We were basically lied to repeatedly.
PayPal signed me up for a {$5000.00} credit line as I was simply trying to check out and pay directly. I attempted to call and have the credit card reversed and pay with my existing credit card from another bank. PayPal mentioned I could payoff the line and close it, then file a complaint, but they could not remove the opening and closing of my line off of my credit report. Now, this is listed and causes a downgrade on my credit reporting score. The fields I out to close and pay for services are deceptively placed so by the timeline pays for a service, they do n't realize they have just signed up for a credit card.
XXXX was bought out by Captal One Bank They are saying they have no records of these CD 's and assumed we cashed them out or do n't remember bc of my age or not remembering my own name. 1st CD deposit # XXXX principal amount {$1100.00} issue date XX/XX/XXXX apr 5.88 % maturity date XX/XX/XXXX term 18 months and then renews itself 2nd CD XXXX {$1000.00} issue date XX/XX/XXXX maturityXX/XX/XXXX term 36 months 5.6 % interest rate frequency rate monthly 3rd CD XXXX {$5400.00} issued XX/XX/XXXX maturity XX/XX/XXXX term 18 months 4.75 % interest rate frequency monthly 4th CD XXXX {$3000.00} issued XX/XX/XXXX maturity XX/XX/XXXX term 36 months 5.45 % interest rate frequency monthly FDIC has no record of any of them even being recorded pathetic that they should at least owe me what I invested but they do n't even show I made the transaction in the first place but I have all the documents!!! Do I need to get a lawyer for something I should n't have to?
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX gave my personal medical information to I C SYSTEM COLLECTIONS for a bill. I C System gave XXXX ( and maybe others ) the medical facility name " XXXX XXXX XXXX '' and it publicly posted. It supposed to say something like " Medical/Physician '' that's it. Now other people/creditors/inquirers/family are seeing that I had a XXXX XXXX which made me see a XXXX. Furthermore, when spoke to IC system a few years ago the rep was told me exactly what the bill was for. The rep said the bill is for a visit due to a XXXX XXXX. I am just finding out that that was a HIPPA violation. No one is suppose to know my diagnoses/medical condition outside of myself and the Dr. office ( without my permission ). My medical information should not be exposed for all to see. I did not want my now husband to know I had XXXX issues and others. Now he knows and blames my health for past XXXX problems. I am furious. Which is another reason why I am filing.
Deposited a cashiers check for {$40000.00} from XXXX XXXX into my Bank of America checking account on XX/XX/2018. Bank of America will not honor the cashiers check and is holding my funds until XX/XX/XXXX.
I have a loan with Lendmark in XXXX TN. I signed up for an insurance product ( unemployment insurance. ) it was explained to me that if I lose my job my payment will be covered for 3 months. I called and was denied the service after rightfully paying for it for 7 months. I was told to come in and refinance my account and the TILA boxes nor the new contract was properly explained. 

I felt cornered to sign and accept the terms so that the creditor does not tarnish my credit.
Bank of America 's automatic payment options are deceptive and, it seems, drafted with the only purpose of causing people to incur finance charges that they would not otherwise incur. The options listed are as follows : ( 1 ) Always pay Minimum amount due as indicated on e-Bill ( 2 ) Always pay Amount due as shown on e-Bill ( 3 ) Always pay Statement balance as shown on e-Bill I selected # 2, which ended up being interpreted by BOA as paying the minimum amount ( i.e., the exact same as option # 1 ). As a result, I was charged finance charges for four months even though I had intended to pay the full amount due. I called Bank of America and was able to get the finance charges rescinded, but I have a significant concern that Bank of America is engaged in a fraudulent business practice. The first two options mean the exact same thing ( and the company representatives I spoke to could provide no explanation for why there were two options that mean the same thing ) and can only be drafted in the way they are drafted to deceive people into paying the minimum amount rather than the full amount and incur finance charges. I received no assurances that BOA would change the drafting nor any explanation for the deceptiveness.
I opened a dispute with Chase on XXXX XXXX in the amount of {$630.00} because XXXX XXXX XXXX XXXX broke and damaged items of mine during a move, and XXXX XXXX XXXX failed to honor the insurance policy I selected. Chase, however, rebilled me on XXXX XXXX, even though I submitted the proper evidence.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX, XXXX XXXX, XXXX Re : Account Number XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX, Mercedes Benz Financial, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney or sell it to another Creditor without providing proof of the original contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX
I have also experienced Green Tree telling me there is no other option to pay than a {$12.00} fee through a separate entity. In the beginning I was pressured to use this service. I was told that if I mailed a check that it had to be received by the due date no matter when it was postmarked. I began to pay through my bank account transfer and if Greentree did n't receive it on time, I was charged a late fee. I also experienced calls to pay for a bill that was already paid. I called and was told it was in an " unapplied account '' sitting for no purpose. I feel they do that to collect more interest by not applying it to the principal which was what it should have went to or at least credited to the next months payment instead of being called about defaulting. How can I default when they actually have extra money but put it into an " unapplied account '' and then call me and say I 'm delinquent? I never heard of an unapplied account anywhere. If I did n't recall paying extra, green tree would n't have told me about the unapplied account because all they are interested in is making money for themselves, using the unapplied account to keep the interest they receive higher by not adding it to the principal.
Good evening on XX/XX/XXXX I received a call from Premier Holdings phone number XXXX falsely impersonating a lawyer and threatening to sue me for old debt. 

I asked if it was a debt collector, and they stated a law firm. 

They claim that this was for an unpaid XXXX XXXX Credit Card, that they claim it dates back to XXXX. 

Despite the apparent incredibility of the caller, the date they claim suggest that this would not be a collective debt due to its age. 

I explained to her that this potential debt would be no longer collectible. 

I want to report this issue for various reasons : 1. False representation 2. Lying about ability to collect a potential debt based on age.

3. Making me feel harassed.
XX/XX/XXXX my credit score with XXXX was XXXX.XX/XX/XXXX it went down to XXXX and a day later it went down to XXXX. 
Now my Equifax scorer dropped 89 points in 2 days. 
I called a XXXX and the dropped seem to correspond. 
Now this sudden drop in Equifax. 
How are the points determined to increase or decrease. I have been trying to get an understanding how the points are determined. 
I have received my free credit reports for both, I am using XXXX XXXX. I asked them if I can put in a certain say to try and figure out what changed, I have not been successful in getting a straight answer
After pulling a copy of my credit report i notice that the credit bureau was reporting outdated inaccurate information on my credit report in which i requested that it be removed.