WillisBack/dataset-financial-user-claim huggingface dataset:
Sir/Ma'am, I 'm currently serving in the XXXX XXXX XXXX . I 'm hoping you can assist me in the short sale of my home XXXX AZ. 

Due to military obligation I moved from XXXX XXXX XXXX XXXX, XXXX to XXXX location for XXXX year in XXXX XXXX. After my XXXX year XXXX XXXX XXXX sent me to XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX. 
While I was deployed for a year my wife and family continued to live in thehouse in XXXX XXXX. Right before my return to the states we decided to putthe house up for sale in XXXX XXXX. We moved out of the house at the end XXXX and headed to XXXX XXXX. During this time payments were made onthe house yet there were no offers. Around XXXX XXXX I requested to do ashort sale through our lender Wells Fargo because I could no longer continueto maintain XXXX house payments. We are currently living in base housingwhich cost about {$1400.00} a month and the mortgage in XXXX is about {$1400.00}. 
I owe about $ XXXX on the house and we were offered a rather low offer butthe bank denied the offer and said they need a minimum of around $ XXXX tobreak even. To my knowledge this is not what a short sale is all about. Notto long after that we were offered $ XXXX on the house. The offer was sent upto Wells Fargo but they did not reply after 3 weeks and the buyers backedout because they took too long. Now my realtor says there is another offerof $ XXXX on the table and I feel like this will fall through. I 've sentWells Fargo all the required information ( finances, justification, etc ) inregards to doing a short sale. The house has been on the market for almost19 months now and I 'm at loss right now. The longer this takes the worse itwill get. Wells Fargo has been less than helpful with a short sale. It seemslike every other month or so we have a new point of contact and no one wantsto talk to me or my realtor. This is the short side of the story if you haveany questions or options I would appreciate any help you can provide. I'mcurrently XXXX and will not return until XXXX XXXX. 
Thank you for your time.
XXXX XXXX amount owed XXXX, i have call XXXX XXXX  repealtly and they will not give me no information on a item that they is reporting on my credit so i call on today XX/XX/2018 and the lady stated that they no longer in the account they it is sold to a collection agency and that i will have to dispute this account with the credit bureau in order from them to remove completely, because they states they no longer owns the account to report to be removed off my credit, so i asking all the credit bureau to remove off credit
Because of previous problems I have had with TD Bank, I decided to close my credit card with them ( they started charging me 24 % interest for similar issues that were not valid ). I paid the balance owed and asked them to close the account. The bank however continued to allow automatic electronic debits - I was charged by a previous vendor {$14.00}, days after I requested and was told the account was closed. A phone rep from TD who called my home about 2 months ago confirmed the same story. 

Since the bank allowed the charge to go through ( that they should not have ), every month they add new fees and charges. Now the balance is over $ 200+ which is almost entirely fees - due to their error. 

They called me several times. A couple of months ago a rep called and confirmed my story. I told her that I was even willing to pay the {$14.00} from the charge that they shouldn't have allowed. I offered to pay the erroneous charge but told her I wouldn't pay any of their penalties. She said she'd put my on hold and ask her supervisor. She didn't come back, and I went to work. Several times they have called in the morning as I'm headed out to work, and I asked my wife to give them my cell # and if they would call me on it I would still try to resolve things with them. Instead they keep calling my home when I'm not there - but they don't call back even after I've asked them to. 

They often send letters advising that they will report me to the credit agencies for non-payment. I'm not sure if they have or not, but the letters and bills keep coming and I will be extremely upset if they report to the credit bureaus for something they THEY caused. That's an abuse of power in my opinion - they can effectively make it very hard for me to get credit and I have no equivalent ability - it's really a shame how the system works. Anyway I hope the CFP can help resolve the problem since TD Bank doesn't listen to me. 

My legal name is XXXX XXXX. The card was a Visa card - I believe the number was XXXX XXXX XXXX XXXX.
Need this account removed from my credit reporting for all bureausas it is paid out at {$100.00} confirmation # XXXX
CITI wo n't provide a paper statement on my account and only emails my statement. It is an XXXX account with a {$50.00} annual fee. I never received the statement, have not used the account all year and when I noticed my mobile app had a message, I looked and I had the {$50.00} annual fee due ... I paid it online and it was 3 days late. They assessed a {$25.00} late fee and interest. When I called, they would n't waive late fee or interest charges, so I said close the account and refund my annual fee. They would n't do that. This is pure and simple stealing! I asked to speak to a supervisor ... None were available, but I was assured a SUP would call me within 24 hours ... That was a lie! I never heard back ... Just got a XXXX email saying late fee will remain and to pay my bill!!
On XX/XX/2018 at XXXX XXXX I deposited money into the Chase ATM at XXXX XXXX XXXX XXXX in XXXX, IL. I do not recall the sum personally but my reciept says that {$50.00} dollars was deposited : Deposited cash : 3 x {$10.00} 1 x {$20.00} Totaling {$50.00} On XX/XX/XXXX, a debit posted to my account for an item that was posted in error on XX/XX/XXXX. It is completely unacceptable that they took away my money. I have a receipt for this deposit and proof that this is my money. The Chase customer service line has transferred me from department to department and I spent a total of over 3 hours on the phone with them. Finally someone told me that they have to do an audit on the machine and have no time frame of how long that will take. It is unnacceptable to take my money from me when I have proof that this was my money.
Wells fargo bank over drafted my account due to a fraud on XX/XX/XXXX and the XXXX. I didnt know untiil XX/XX/XXXX. I was not alerted. I was in the negative of XXXX i had and amoint of XXXX because i was moving my money yo another bank due to their lies and mistakes. I found out that someone used my account and left me in the neagtive. I reported it. I won my case but they used my credit or money i won to pay for the negative balance. I recieved a. Credit of XXXX but they used XXXX to put my balance back and it left me with XXXX they said i should be happy i won and that i can not dispute what they did. This wells fargo behavior is not a suprise but in the end i still paid with the money i got back. Please help me get this amount back.
I obtained a 2nd mortgage from XXXX. The mortgage broker, XXXX XXXX, was a XXXX ( I did n't know this ) and he conned me into buying a house that his wife owned. At the time, I did n't know that his wife was the Seller. I lost the property to foreclosure and found out that the loan had been transferred to XXXX and then to Ditech LLC. I did n't know any of this until my tax prepared told me that Ditech had filed a XXXX wit the IRS for the amount owing on the 2nd mortgage. I do not believe that Ditech owned the mortgage and have contacted them and sent them a XXXX letter under Massachusetts XXXX. I am contacting you because I believe that Ditech was/is not the holder of the Note and therefore had no right to issue a XXXX in my name to the IRS.
I went to XXXX last winter for XXXX months. I Notified my Chase bank that I was going to be there. Unfortunately, Chase has to verify the computer I was using overseas By sending a Email to me. My XXXX email was blocked too for the same reason. Unfortuntely, I was late in making a payment on my Cards ( Freedom Card ) Untill I found some one with a smart phone to call the bank Branch in XXXX Ohio and Made the payment that way. In the mean time, I was charged a late fee of XXXX Dollars do to this Mess. I request that the fee be refunded to me and Give me an easy way to make payments from XXXX, when I go next winter
Collection Agency : Contract Caller Inc.
Date reported opened : XX/XX/2018 This company is a third party collection agency for XXXX XXXX XXXX. This account was opened years ago however this company unfairly reported that this account was just opened 2 months ago. Usually a collection account will stay on my credit report for 7 years from the original date of delinquency. This company reported in accurate information. This was not the first collection agency taking over this debt. Is a company allowed to report the current date if they just acquired this account or are they support to report the original date?

At this rate, this collection will never clear my report if it keeps resetting every time this debt is purchased by a new collection agency. I need to know are my rights when it comes to this.
Equifax had my wife and myself 's information stolen. Part of them providing me a credit protection was also agreeing to not sue them in an opt out option. 

its not right for someone to damage my life and decide that making me whole is providing fraud protection that precludes me from legal action. It is a reprehensible stance.
In XX/XX/2018, I disputed a medical debt on my credit report. On XX/XX/2018 I received several letters indicating the amount they claimed I owed and my personal and private medical diagnosis and procedures that were performed from the hospital from the collection company Collection Consultants of California. The original creditor was XXXX XXXX. My rights have been violated as an American citizen! I have never given this company the right to access my personal information obtain info about my medical procedures and diagnosis. This is definitely a DIRECT VIOLATION OF MY HIPPA RIGHTS! I never authorized the release of my information!
I never received any letters from the Trident Asset Management agency yet I noticed a collection account on my credit report as of XXXX XXXX 2015.
I went to a trade school in XX/XX/XXXX the school was called XXXX XXXX XXXX  XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XX/XX/XXXX and in XX/XX/XXXX for some reason the student loan reported on my credit file as late in XXXX and XXXX of XX/XX/XXXX. That is hurting my credit score the department of education from XXXX stated they were going to remove the late payment history to show as current and they still have not done anything.
On XX/XX/XXXX we received a letter from Freedom Mortgage Corporation cancelling our ACH payment. Today, XX/XX/XXXX we received an email notifying us they cancelled it because they have transferred the loan to XXXX. That payments are to be made effective XX/XX/XXXX. 

We have not yet received a Servicing Transfer notice in compliance with regulation z.
keep getting phone calls from debt collection agency. 
they claim i owe a debt to an internet payday loan company. 
I never received any money in my account from this company. 
The debt collector is concord resolutions llc. their phone number is XXXX XXXX XXXX. I never got any paperwork or money form the company they say i owe money
I called exquifax on XXXX. XXXX, at XXXX time. to request for my credit score. Equifax refused to provide me any information I 'm entitled to access under the Fair Credit Reporting Act. I told the representative I 'm willing to provide a copy of my XXXX driver 's license, Passport, XXXX, Bank Statement and credit card statement, they still refused to provide me my credit report & score because I do not have SSN and I 'm not able to get XXXX. ( XXXX refused to issue me XXXX because of im on student XXXX and not allowed to work ) The Fair Credit Reporting Act states that I have the right to obtain my credit report and score, and it does not require a social security number. Name, address, date of birth is sufficient to locate credit profile ( XXXX provided my credit profile through those information ). Passport and Driver 's license should be sufficient to prove my identity. ( Sufficient for XXXX to prove my identity )
I have disputed this information Portfolio Recovery and have received no response from the company. Instead, they have updated the account as current and continue to report derogatory information.
I have a bankruptcy from 2005. It was filed ten days before the newBankruptcy laws were effective therefore does not fall under the ten year rule and should be deleted.
The issues is I have been given a XXXX determination and have been trying to get my private student loan discharged by Navient. The loan in question has a co-signer, it took me three attempts to find a co-signer that they would accept. At the time of my XXXX I had XXXX private with Navient, they discharged the one that did not have a co-signer and have determined that based on my XXXX I am no longer responsible for the loan. I feel that the co-signer should not be held liable for this debt, because at the time of her signing off on the loan ; I was healthy, going to school full-time and working full-time. So, based on that it was represented to her that I would be able to work and pay off the loan. Navient has decided, that my co-signer is able to repay the loan so they are making her. I feel that in this case the co-signer should not be held liable and the loan discharged just like they did the other XXXX.
XXXX XXXX XXXX, XXXX was in arrears by approximately $ 20K on a mortgage loan with BancorpSouth Bank as of XX/XX/XXXX. The amount remaining on the loan was approximately $ 120K, as evidenced by the invoice attached. On XX/XX/XXXX one of the buildings located on the property was destroyed by fire. After the tragedy, it was discovered that the property was foreclosed on XX/XX/XXXX. No notification of pending foreclosure was ever received by XXXX XXXX XXXX. The property was appraised at $ 240+ in XX/XX/XXXX ( please see copy of appraisal attached ). BancorpSouth contacted the insurance company and requested that insurance proceeds be sent directly to them ( please see attached email ). The building that was destroyed was insured for {$150000.00}. 
A check in the amount of $ XXXX was made payable to XXXX XXXX XXXX XXXX, BancorpSouth Bank, and Small Business Administration. If repairs were made within a certain period, then the additional coverage amount would be forwarded. As of this date, no check has been forwarded to XXXX XXXX XXXX. The bank now has the property and the insurance proceeds, which is much greater than the $ 120K that was owed. This seems unfair and unjust. XXXX XXXX XXXX paid the insurance premiums and seeks the insurance proceeds received for this loss.
On  XXXX / XXXX / XXXX  An unknown person logged in online to a joint account using my name and a password.I had been informed by the bank by letter from  Private Ba nking that this entire account was closed as of  XXXX , post divorce. I did not have online access, and had never set a password. The transaction, for which a screenshot is attached, closed the sweep feature with funds tra nsferred to checking.Citibank and Citi Private Banking have not, despite repeated requests, given m e information about the location to which funds were transferred nor the amount.The branch confirmed that this was not an automatic function of the computer system. The screen shot of this transaction was sent to  XXXX   XXXX   XXXX / XXXX / XXXX  per her request in my presence to the internal portion of the bank at my bank branch at  XXXX  and  XXXX  in  XXXX  after I discovered that the account had been kept open.
I purchased a rush card in XX/XX/2017 for my federal income tax to be deposited. I received my income tax XX/XX/XXXX. On XX/XX/XXXX XXXX some one in XXXX made 3 transactions and ended up taking off my credit card XXXX. I contacted rush to let them know and cancel the card. They told me I had to go through a dispute to get my money back. I filed a police report and also faxed the dispute papersthey needed signatures for on what took place. I called customer service to see if they received the fax that said it takes 48 hours. I called 2 days later and they decided they made their decision and I will not be getting my money back. Customer service would not let me talk to a supervisor. I was also told they will refund me back my money XX/XX/XXXX. Now I 'm being told I wo n't be getting it. They also suspended my account and canceled my credit card and sent me an email saying they were going to be sending the remaining balance in my acct which is XXXX. I would like to take further action.
I wrote and mailed a dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX, pertaining to a collection account that had been placed on my credit report from the collection company XXXX XXXX XXXX. XXXX and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor but XXXX never responded. XXXX XXXX XXXX did not provide any documents or evidence to verify the account, but instead stated I owe XXXX. I sent another dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX XXXX XXXX reported the debt again for the previous amount of {$820.00}. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX and XXXX or provide me with physical proof, such as a signed legal binding contract. Your immediate response will be greatly appreciated.
To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. 
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company. 
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under  false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. 
To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. 
Sincerely, XXXX XXXX
Wells Fargo broke the law by : 1 ) increasing APR on my credit card without any reason - no monthly payment missed by me ever, no any other problems with paying off from my side 2 ) not notifying me properly about the APR increase 3 ) not giving me an opportunity to opt out the changes in the original terms in my agreement with them and not sending me a 45-day advance notice about the increase in APR.

The initial APR on the credit card with wells Fargo was 26.49 %, which was already ridiculously abnormal for a regular credit card with a major bank. 

Then that APR began changing, without any reason and proper notification of me, as follows : XX/XX/2018 : 27.24 % XX/XX/2018 : 27.49 % XX/XX/2018 : 27.74 % Total increase in APR is 1.25 % By filing this claim I opt out all the increases in APR and dispute the difference in APR charged by Wells Fargo on my account.
In XXXX 2015, I disputed an auto loan with First Investors Financial ( CFPB dispute XXXX ). On XXXX XXXX, I received an alert that this account has been updated with a XXXX day late on my credit reports. Since XXXX 2015, this account was reporting paid as agreed, no lates.
I opened a prepaid secured credit card with Citibank in XX/XX/XXXX. It was for {$200.00}. After a year they upgraded my account and said they would send me a {$200.00} check. I never got the check. I called them several times and spoke to customer service representatives from XXXX who told me some of the most bizarre stories to explain why I haven't received my check. Well, after a few days of haggling their threads of nonsense, I was informed that the check would be issued 18 months after the account opened. ( Even though the account had been upgraded to unsecured. ) Okay. That's what the original agreement entailed so I was fine with that. Guess what? This is now month 18 and still no check. Today, the reps from XXXX said that my {$200.00} is now part of my credit line and that I would not be receiving my money since I have been specially selected for a non-payment promotional! UNBELIEVABLE!! The conversation was recorded today, XX/XX/XXXX, XXXX my time. This lft me with no choice but to close the account. I've wasted countless hours with their inept customer service and now I just want my money back minus the amount I have in the balance.
My unsubsidized private student loan was approved in XX/XX/2008 by XXXX when I was attending XXXX XXXX University in XXXX. Then it was sold to AES as a new servicer. I am now in my last year of dental school. AES contacted me stating that my payments were now kicking in. I told them I was a full student in my last year of dental school, and I only receive financial aid which make it really hard for me to honor payments of almost $ XXXX. All I asked AES was to postpone my payments for another year because after graduation from dental school I was planning on getting a job and it should n't be a problem making those payments then. AES said they would see what they could do to help. So, AES made me submit an application for payment deferral just to tell me later that my student loan is an XXXX XXXX and that I had an extension once with XXXX bank, therefore they could not give me an extension. 
But AES suggested that I may qualify for a hardship payment reduction, and asked if I was interested in applying for that. I applied for it stating as a reason that I was a full time dental student and could not afford the payments until I graduate in a year. AES later told me my reason for requesting a hardship was not temporary in nature, therefore I could not qualify for a hardship payment reduction neither. 
Every time I call AES, they say I have to apply for something else because I was not approved for the previous thing they made me apply for. While AES was pretending to be trying to help me find a solution to my case, it was reporting me to the credit companies as late on my payments. 
I had to use the financial aid I was receiving to pay AES and stop the damage it was causing to my credit. 
I do not agree that AES reported me as late when they said they were trying to help me find a way to either postpone my payments or lower my payments. I would like AES to remove the late payments they reported to the credit bureaus and to postpone my payments till I graduate from dental school. 
Thanks