WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I deposited a check from an Insurance claim and it was returned, no fault of mine. XXXX reversed my mortgage payment of {$1200.00} and the insurance check of {$10000.00}, in XX/XX/XXXX. I have always paid my mortgage many days before the due date.Every month I pay an extra {$100.00} more than the mortgage payment. I have a mortgage with this company for many years and have NEVER been late. They requested the copies of my bank statement and canceled checks from my bank which I have provided. I wrote and called them every few weeks and spoke to several Managers and Customer Service Representatives. They have all promised to get the problem resolved and mail out 1 year of payment history. I have not received that from XXXX and lately I have been receiving my monthly statements late. I was informed that they are reassigning all my payments from XX/XX/XXXX to present from XX/XX/XXXX and that should resolve the problem. That has made things worst because they now have be owning {$10000.00} and reflecting that I only pay {$330.00} for interest payment for the entire year of XXXX. They have been reporting me to the credit bureau as paying late every month. Last week I received a letter that my property is in foreclosure and I need to respond to them by XX/XX/XXXX. I am a older person and this mortgage company is about to kill me. I would appreciate your assistance ASAP. Thanks.
I was granted an extension on my loan. I was asked to pay two payments of {$380.00} and was told that would pay the loan until my XX/XX/XXXX due date. This was offered to me by a supervisor. Rver since I made that second payment I continue to get emails, texts and phone calls multiple times a day trying to get me to pay more. I have been told numerous times that the payment was done wrong and it would be fixed and that I would no longer get calls. However I still do. One lady told me well we did not honor the agreement and you did not honor your original loan so there is nothing you can do. That is unacceptable.
I applied for a checking account with XXXX today,XX/XX/2018. I was denied stating " Prior unfavorable experience with a financial institution. Current unfavorable experience with a financial institution. '' I contacted Early Warning to contest and dispute the incorrect information being reported that resulted in me being denied. However, as of today, Early Warning has not removed the account from XXXX XXXX XXXX.
CapitalOne Bank advertisement is false and misleading. On XXXX, CapitalOne is stating that their Capital One ( R ) Platinum Credit Card has : Pay no annual feeGet access to a higher credit line after making your first 5 monthly payments on time Fraud coverage if your card is lost or stolenAfter 8 months of having a XXXX balance CapitalOne never increased my line of credit, even though I 've always paid the account in full every month and had no late payments. I feel that they bated me into signing up for their credit card and now they are switching the terms of the agreement.
I am currently in the process of purchasing a home and had my credit pulled. It came to my attention that Bank of America posted an erroneous Mortgage Account XXXX with Late Dates : XXXX, XXXX and states consumer disputes - reinvestigation in progress ; foreclosure ; 180 days or more past due. The account shows a zero balance and zero payment due however reflects late payments? This is direct violation of the FCRA ( fair credit reporting act ) and should be removed from XXXX, XXXX, and XXXX completely as it is completely false reporting. My Bank of America mortgage was closed in XXXX. I would also like a letter faxed to me at XXXX on Bank of America letterhead stating this was posted to the XXXX bureaus by mistake and this account is not late nor is it even an open account.
Trans Union had a glitch in their system that violated the right of their consumers under Section 6.11. Ask a result I have been greatly affected and my credit score is suffering as result. No notice was ever given which is also a violation. I am requesting that all inquiries during this time be removed.
In XX/XX/XXXX I opened a Private Student Loan with Wells Fargo Bank for the amount of {$7500.00}. My father paid off the {$7500.00} on XX/XX/XXXX however a month after we received a bill for {$5900.00} for interest charged for the loan that was already paid. I was still in my grace period, so there should not have been any interest running on the loan.

We contacted the Wells Fargo costumer service for this student loan in person and by phone several times with no results about this interest charge.

As of this moment my father has been paying those interest monthly that include interest of the balance plus interest.
I had an account with XXXX? XXXX. The first year I used the account and paid accordingly with no issues. I fell behind and spoke with one of their account retention reps and they agreed that if I paid the next XXXX installments on time they would erase the late payments reporting on my credit. In addition to this they agreed to remove the late charges and penalties from the acct, the account representative told me that I would receive a copy of the agreement in the mail, but never did. Once I complied with my end of the deal, XXXX refused and denied that they made this agreement with me. 

We had an agreement to delete the penalties and fees which were extreme and they did not hold up their end of the bargin. At that point i stopped paying the bill and they sold the account to a collection agency, and the bill itself was wrong. 

Once I made contact with the collection agency, they removed the derogatory collection from all three bureaus and shortly thereafter, XXXX reinserted the information!!! 

And now my credit has taken a dive!
I have a payment required on my account due to unauthorized access to my account. 

I have attempted to pay this amount regardless, but Coinbase does not allow me to pay the balance due to technical issues. I can not add money to my USD wallet to pay. I can not go to the payment required page and pay by bank or out of my BTC account. I currently have XXXX or {$5200.00} in my account. 

Due to this supposed " Payment Required '', I am not able to send or withdraw my funds. This needs to be fixed immediately. 

I have contacted Coinbase repeatedly on the issues within the access of my account and they are not handling it in a timely manner. Cases are still open, but they continue to close cases and I have to reopen them via the support ticket. After calling 4 times, they just continue to escalate the cases only to be rejected.
Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
We attempted to do a short sale last year in XX/XX/2017 and we were successful in doing so, being approved by the 2nd mortgage SPS in XX/XX/XXXX. The 1st mtg is with City of XXXX and we were also working on an approval but the City of XXXX has covenants on the property that directed the Buyer to have to purchase another lot that was owned by the Homeowner. This lot is not mortgaged, but there is a standing issue regarding a fraudulent deed. We could not fix it in time in XX/XX/XXXX so the Approval for SPS lapsed. About 2 months ago, we informed the Lender that the Buyer has informed us that he found an attorney that could fix the fraudulent deed issue and it was a matter of waiting for a court to approve certain paperwork. SPS however, still moved forward with foreclosing. We re-sent the Buyer 's offer ( that was once approved ) and asked for re-approval but SPS informed us that they could not stop the auction because " the  judge is the only one that can stop it ''. This is not correct since Massachusetts is not a judicial state. We will be escalating this file every day but we need assistance.
BETWEEN XXXX XXXX OJ XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX WAS HACKED AFTER APPYING FOR A HOME MORTGAGE. ALSO GOT CAALS AND E-MAIL FROM FRAUDULENT SCAMM 'S ( SEE ATTACHED. 

THIS ALL HAPPENED WITH XXXX CREDIT PROFILE
To whom this may concern, Please have this information brought directly to the attention of incoming Wells Fargo & Company XXXX XXXX XXXX, CFPB XXXX XXXX XXXX, and other federal and state regulators. Within the attached PDF is information that sheds light on yet another Wells Fargo & Company 's illegal corporate sales and business practices that have caused enormous damage to thousands of consumers around the nation. Put bluntly, Wells Fargo & Company has submitted and maintained hundreds of thousands known to be false and clearly fake information records on consumers and these false records have negatively impacted consumers ability to open a bank account, obtain financial services, etc. What is worse, when Wells Fargo & Company was confronted with these issues, they refused to address them and threatened to sue and harass those who have attempted to bring these concerns to the attention of Wells Fargo & Company and regulators. Please promptly review this information and ensure that Wells Fargo & Company 's XXXX XXXX XXXX XXXX is informed of these problems and take action to resolve the problems and properly disclose the problems to investors.
i applied for a deed in lieu in XXXX XXXX it was approved and I wasasked, in XX/XX/XXXX, to vacate the property and execute the finaldocs, which I did. In XX/XX/XXXX the mortgage company sent me XXXX. Later, in XXXX, I was told there was an error in theprocess and final approval had n't been received, so the deed in lieu wasstill pending. I received the new approval in XXXX. Later, in XXXX, I received a letter stating due to title issues my application hasbeen cancelled. The mortgage company knows that the property titleis clear because I have provided all request title documentation. 
They also know that the property is now in terrible conditionsince it has been vacant for approx.. 1 year. It is my position thatthe mortgage company did not want to the property back becauseof the challenges it presents in selling, hence it reneged on its offerof a deed in lieu. In XXXX the mortgage company beganforeclosure proceedings.
I had applied for a furniture loan from  XXXX   XXXX   XXXX  in  XXXX  Massachusetts. They have a promotion going and I feel its a fraud when it comes to loans. Everyone that applies for a furniture loan gets denied during this promotion. I tried on my own. got denied I tried with a cosigner got denied. I had a sister try by herself who has a  XXXX   credit score a nd makes  XXXX  a year got denied. So basically their only wanting you to pay cash for the furniture during this promotion. I should have the right to opt out of the promotion and just get loan for a   XXXX   couch. I contacted the company and no response for the decision
I deposited {$1200.00} ( {$1000.00} check and XXXX in cash ) at a JP Morgan Chase ATM on XXXX XXXX in XXXX, OH on XXXX XXXX 2017. The ATM malfunctioned during the deposit and took the cash and check, but was unable to process the transaction. I called Chase on the next business day to try and resolve the situation, they credited me for the transaction and said they would look into it. On XXXX XXXX, they removed the credit without any explanation. I called and was told there was no sign of the cash and check and now they are saying they can not do anything about it. They essentially stole money that I entrusted with them from me.
I got a home loan in XX/XX/2007 with XXXX XXXX this company went bankrupt and my loan was sold to Caliber Home and at some point I applied for a loan Modification and was refused. well the loan was modified and the payment went from {$800.00} to {$460.00} and the loan was rewrote. and then Caliber sold my loan. I have been trying to get a copy of the signed loan modification. I had a fixed 9 % and now it has changed to a 12 %. 
This loan has been a Nightmare from the start. I have called every one I know to call. 
I have paid on this loan of {$70000.00} for 12 years and now owe XXXX the home is a 16 year old double wide and is not worth what the loan amount is and know one will redo or touch this loan  because the loan is a mess I cant afford a attorney so I am trying to do the leg work on my own. Please help me to get the correct documents. 
the loan is now owned by XXXX XXXX , XXXX. 
when the loan was wrote they are some eras in the loan and I cant get anyone to talk to me.I have never missed a payment and XXXX is now collecting the payment.
Homeowner has had a financial hardship and after exhausting all modification attempts they have come to accept the fact they can no longer retain the home. Therefore deciding to short sale the home vs. losing the home to foreclosure. A complete workout package including all financial documents and offer has been submitted to Chase on XXXX XXXX 2015. After several XXXX of follow up and multiple escalations requesting the file to be assigned to a negotiator nothing had been done until XXXX XXXX, 2015. On XXXX XXXX, 2015 they homeowner was finally assigned to XXXX XXXX. The XXXX lien is ready to fund with the rate expiring on XXXX XXXX, 2015. If the loan does not fund the buyer will walk away from the home. We will lose this buyer entirely. We have expressed the urgency several times to Chase verbally and escalated the file still nothing was done to expedite the process. Since extensive time has passed since submission of the short sale request and the file has yet to be approved or denied we are filing a formal complaint to escalate the file.
I contacted Transunion and XXXX to dispute all hard credit inquiries on my credit report due to fraud and the XXXX  data breach and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help
I pulled my credit report from XXXX XXXX and Trans Union and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX and Trans Union regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.
hi my name is XXXX XXXX XXXX ; my email is XXXXXXXXXXXX ; my phone is XXXX please credit me {$1000.00} in travel rewards or XXXX membership reward for the American express gold card ending XXXX with date XXXX ; 4 months ago American express send me a welcome credit card offer '' spend {$5000.00} in the first 3 month received XXXX membership reward and spend another {$5000.00} in the same period received another XXXX membership reward point with total of XXXX with AE gold ending XXXX ; I comply to rule and regulation on the welcome offer, however I did not received XXXX reward membership point AE promised because they check that I had it long time ago ; but I appeal to AE decision of denial beause if I had that offer and AE has a record of it why did they 1. send the welcome offer and approve my credit card application ; if the approve the credit application that mean the rule and regulation of the welcome offer is comply ; 2. in the welcome offer did not said that if I had the offer already it wont work ; 3. the should not approve the credit application and trick me to spend {$10000.00} worth of transaction in 3 months because they benefit 5 % of the {$10000.00} money ; 4. please fired the lady name XXXX because she harash and discriminated against me ; I talk to XXXX with id XXXX and her manager XXXX with id XXXX for my appeal and they told me to wait for 10 days but it is been 3 months and my reward account has not been credit XXXX point ; they lied, cheated and robbeby my traveling money ; I had no choice but to file a complaint against American express credit card ; please credit me {$1000.00} worth in airline reward or XXXX reward points immediately ; I had relative XXXX in XXXX and I need to book a ticket right now and do n't have time to wait any longer
I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. One from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.
Tried lifting Security freeze online with Experian. Wouldn't allow me to do it online and required I submit request in writing. Followed instructions on what to submit. Provided all documentation requested. After 3 business days, still unable to access credit report. Received a letter, stating I " didn't '' provide all the information requested to " verify identity '', which is false. Made numerous attempts to speak to a live person at Experian. Unable to get through to a live Human Being. This is not the first time I've had this problem with Experian.
I do not have a contract with this XXXX XXXX. I have never signed a contract with them  and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company.  I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me the you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau (XXXX and  XXXX) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
My credit has been run XXXXThis has caused my credit score to drop XXXX points on both Equifax & XXXX. 
I did not apply for credit nor are these cards open. They have been closed for years. I am in the process of selling my house and purchasing another. I am aware of the Group on Mortgage check as we are in the process of purchasing a new home. 
I am disputing XXXX. Again I have NOT requested credit from these companies. I recently had an issue with a XXXX gas card someone opened in my name. This was cleared up by both XXXX and XXXX. I want these removed and reported as possible identity theft. I would like Equifax & XXXX notified of this derogatory hard credit checks so my score can be returned to what it was prior to these credit inquiries. It should be illegal for companies to run credit reports on closed accounts. I am not at all interested in opening these accounts.
Halstead Financial continues to call my phone, back to back. Sometimes they hang up before I get an answer and sometimes they just continuously call. There are always different numbers but they always begin with XXXX. They call on weekends, holidays, late night, early morning. I have proof of MULTIPLE calls daily.
Caliber Home Loans holds the mortgage for my principal residence. For unknown reasons, and without notice or explanation, Caliber paid approximately {$14000.00} to XXXX XXXX and the State of Maryland. The property tax bill was only ~ {$2500.00}. No explanation for the egregious over payment has been provided. Instead, Caliber contends that I am responsible for its error.
XXXX XXXX, 2015, XXXX XXXX XXXX, ( my bank ), paid {$1000.00}, on my behalf, all for XXXX XXXX. {$520.00}, for XXXX XXXX mortgage, {$500.00} extra to principal. Carrington Mortgage Services, applied extra {$500.00} to XXXX XXXX. Statement instructed me to pay {$27.00} balance for XXXX XXXX. 
I telephoned, they promised to fix. 
XXXX XXXX, 2015, XXXX, ( my bank ) sent {$1000.00}, all for XXXX XXXX, to Carrington. Statement from Carrington tells me to pay {$520.00}, XXXX 's mortgage by XXXX XXXX, or I must pay {$17.00} for late charge, for month of XXXX 2015. HELP!
In early XX/XX/XXXX I mailed following request to Equifax Security Freeze - I have lost my 10-digit Security PIN and am requesting a replacement PIN. Enclosed is a copy of my Indiana Driver License. My phone number is XXXX and my email is XXXX. 
Please let me know if you need any additional information. 
Thank you, ( please see attachment A below ). 


On XX/XX/XXXX, Equifax Security Freeze sent me a letter indicating the ".. security freeze was permanently removed from your Equifax credit file. '' ( please see attachments B-page1 and B-page2 below ). 

This was not correct - over the next 6 weeks I was unable to access my Equifax credit report, nor was my bank, XXXX XXXX XXXX in XXXX IN, able to obtain a copy of my Equifax credit report. 

On XX/XX/XXXX, I communicated this information in a letter to Equifax ( please see attachment C below ). 

I have tried unsuccessfully since then to retrieve my Equifax credit report, as has my bank. Each request by my bank comes back that the " ... customer requested security freeze .... '' Equifax either refuses or is unable to remove the security freeze on my credit file.
The company is representing cox say my account closed on XXXX XXXX 2014 but the kept billing me claim invoices was not available then sent some with the wrong account number, and the XXXX plus refund Their on documentation show and support what I just said They claim its correct by their own paper work do not not support their action or position
XXXX Debt collections services is continuing try to collect a debt that was discharged in bankruptcy. I have submitted the appropriate documentation to XXXX and requested this information be removed from my credit files. XXXX has continued to harass and attempt to collect this debt. Please see attached documents
you have gotten many many complaints from me but much remains unresolved. I am now getting postcards and letters from lawyer on foreclosure defense. yes i have no loss mititgation packet i asked for many times and i am getitng letters saying you have all my papers. there is no way you do. i am still doing it. 
and dont have XX/XX/2015 taxes done yet. i am about to send XX/XX/XXXX payment and need to work out repayment. I have written to XXXX XXXX. I want to know why i am getting these postcards and it has to stop. why am i hearing from lawyers? has foreclosure been filed? i want someone to call me after XXXX eastern XXXX
Citi mortgage drafted my account for two mortgage payments at once. They refused to reverse the transaction ... they refused to research the issusue ... XXXX ( XXXX ) talked over me and tried to hang up Several times without help .... they have giving me different info from different reps and the reps do n't follow through and they make it hard to get a refund.. to date I have received no refund of my XXXX dollars
IDENTITY THEFT RESULTED IN FRAUDULENT CREDIT CARD APPLICATION FOR XXXX ON XX/XX/2016. IS STILL ON MY CREDIT REPORT AND I WANT IT REMOVED.