WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, I want to file a complaint about my checking account at wells Fargo bank. there was a check deposited and withdrawn under my name thru mobile banking without any knowledge. I received a letter that i will be attached here to my complaint that there is a certain person claiming that it is her check i forge it.. i will also attach checks that issued but it is all written by me not like the checked that i am accused of forging. the check was under my name and account but my ID is on top of the check covering the real owner of the check, ,wells Fargo is ignoring my issue and insist that i should repay for it ... that I will not do because it is an admission of guilt..i am currently taking up law enforcement schooling and i do n't want my reputation to be messed up with this anomaly of the bank..I am hoping for your kind consideration to look on this matter.thank you so much
I had a medical bill that was assumed by myself in the amount of {$420.00} that was paid in full. I disputed the claim after the creditor agreed that I would pay the amount to delete from my credit report. After waiting 60 days, I contacted the bureaus ( XXXX, Transunion, XXXX ) again. The reason am I now filing a complaint is they have notated my account falsely and severely hurting my chances of obtaining new credit. 

They have put remarks into my account that I have received " Personal Receivership - Repayment by Court Trustee '' in paying this debt. NOT TRUE. I have NEVER even been to court, let along filed bankruptcy. I have no record of any other collection except for this account amounting in {$420.00} that I paid and submitted receipt for from my XXXX card. 

When I bought my vehicle 2 months ago, they came back to me about a bankruptcy!!! I was appalled! I have called the bureau several times, and disputed this account 4 times now. I will be obtaining a lawyer and moving forward with this, as this is hurting my livelihood. I have worked hard to earn the credit that I have, and now this is slamming me and my integrity into the ground. I have attached receipt to original debt that I paid with my XXXX card.
My name is XXXX XXXX and I used to have an account with Citizens Bank in XXXX CT. 
I had an overage back in 2012 I believe and this bank charged me like XXXX dollars a day ; in response I closed the account but they kept adding charges for over a month. Citizens Bank trumped up charges for under a {$100.00} to a {$290.00} debt which is just bank charges. I would have resolved the balance but they were more interested in getting as much as they can out of me. The bank 's behavior was predatory and I would like to have this account removed from the National banking XXXX because it is preventing me from opening an account.
I SENT A REQUEST TO XXXX XXXX TO STOP AND FREEZE MY ACCOUNT AND THEY SAID NO I SENT IN MY ID AND SOCIAL SECURITY CARD BUT THERE SAYING IT WAS NOT ENOUGH INFORMATION THEY NEED MORE STUFF SO IM SENDING MORE PAPERWORK AS OF TODAY
XX/XX/XXXX XXXX XXXX Executive Response Unit XXXX Citibank Office of the President XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX CitiBusiness Account ending in XXXX Dear XXXX XXXX, I have received your XX/XX/XXXX letter on XX/XX/XXXX. 

Your letter is misleading and incorrect. It indicates that you have not read our information submitted and that you are not making a good faith attempt to resolve this situation. 

First, I did receive a voice mail message from you and I retuned that call. I also left a voice mail message indicating that the number you called was my cell phone and it would be better if you could call my office number which I also left or you ( XXXX ). I explained that I turn my cell phone ringer off while I am at work. I told you about The information below, specifically that the Tip and Tell indicator was activated and that the oven was not received in good condition. You did not call back until about XX/XX/XXXX, but you called my cell phone again and left no message. I did return the call and left y0ou another voice mail message. 

Second, I never nor did my son indicate that the shipment was in good condition. We noted that the Tip and Tell Indicator was activated demonstrating that the oven had been tipped over during transit before it was delivered to us. This was noted on the delivery bill that was signed by the driver and my son. A copy of this was included in our claim. 

The driver was in a hurry and just left the crate ( telling my son that the Tip and Tell Indicator ) note on the delivery bill would be sufficient if there were any internal issues. The oven was difficult to uncrate and remove the wooden crate material so it took us a few days before we could unpack the oven of and perform an internal inspection. After uncrating and inspecting the oven we contacted merchant by email indicating there were problems with oven. The oven showed images of a significant number of scratches, indicating the oven was not new and had been a used and repackaged oven or damaged in warehouse or shipment. 

We tried to use the oven, but it did not function correctly ( we do not know if these were shipping damages or manufacturing defects ). 

Therefore, the oven was not delivered and received in satisfactory condition. The oven had marks on it externally and the oven did not function correctly. We told the merchant that we wanted to return the oven because of the damages and the merchant agreed to take it back. First, the merchant asked us to prepare the oven-packing crate for return shipment and we told them we did not have the carpentry skills necessary to prepare the oven crate for return shipping. The merchant asked us to locate a handyman to prepare the crate and we told them we do not know a handyman that could do the necessary work. Finally, the Merchant told us they would look for someone to assist with the crating of the oven for return -- -that is the last communication we received from the Merchant on XX/XX/XXXX. 



We want to return the oven to the merchant and they should be responsible for creating and preparing the oven for shipment and for shipping costs.
I have a variety of accounts with Suntrust Bank, all of which are supposed to be no fee. Every few months, I will start to see fees again. I have to go into the bank, meet with an advisor who always apologizes, says the fees are erroneous & takes them off. This lasts a few months & then the fees reappear again. This happens on my accounts, my children 's accounts and my husband 's accounts & is chronic & ongoing. Very frustrating & seems fraudulent.
I have a XXXX Capital One Credit Card with a {$7500.00} cash advance limit and recently got XXXX checks in the mail with a promotional offer of 0 % for 12 months. That means that I can write out XXXX checks up to {$7500.00} and not pay interest on that {$7500.00} for 12 months! Only catch - the checks have to post by XXXX/XXXX/2016 and there is a 2 % fee for each transaction. FYI - this was all the information that was in large font with the checks. Great deal and just in time for XXXX shopping right!? ... ... ... WRONG! Feeling like this was too good to be true I did some digging online. Let say I had a {$0.00} balance on my card and never used it again during these next 12 months and only owed the {$7500.00} cash advance from the promotional check - all fine an dandy! I would have 12 months interest free to pay off the {$7500.00}! BUT, lets say I did grocery shopping and made an additional {$150.00} purchase after the check has posted to my account ... ... The new purchase would NOT have the 12 month period and would have the regular APR of 23 %. If I were to pay the {$150.00} at the end of the month to pay off the new purchases in full, it would automatically deduct {$150.00} from the {$7500.00} cash advance I took and NOT the new purchases. Meaning, all new purchases would be hit with a 23 % APR until the {$7500.00} cash advance was paid first ... ..If you understand the math this could be devastating if you did n't catch this in time and continue to make purchases on your CC ... You always hear about how Banks are shady but this is truly disgusting - baiting people into a financial trap knowing XXXX well it will be too late once they realize that they got themselves into.
Bought this nightmare XXXX in XXXX XXXX. I 'm XXXX percent done on my payments. We are charged a XXXX daily interest rate on top of an annual and they argue that we arent. We got another car, got rid of the negative equity, ( XXXX ) and a dealer bought the car..well now it 's time to pay it off, dealer has a check for XXXX and some odd cents. Dealer calls ally, XXXX/XXXX/XXXX guess what they said we owe XXXX dollars more than what it says we owe. We did n't make the XXXX XXXX payment because we sold the car to this dealer. They say they have a XXXX day grace I 've never seen it. How can your account state you owe XXXX dollars and some odd cents and the dealer calls ally and they say it 's XXXX dollars more than my account is showing? How Is this legal? To top that off my husband calls talks to XXXX different people and they are from the XXXX, ca n't speak english, ca n't understand you and they tell you that you owe this much more but they ca n't tell you why and what 's it 's for!? We have dealt with nothing but a headache. If we ca n't get this resolved, we owe the dealer XXXX dollars to pay off this car! Not gon na happen because it says what we owe online and I 'm uploading a screenshot of my account and what it states. Please help us resolve this.
Had a number of events that led to getting behind on our mortgage. We have been trying to get a loan modification for over a year now and our mortgage company keeps denying us saying our income to debt ratio wo n't allow them to help. I have contacted hud and XXXX other organizations that say our income now is more than sufficient to make payments to get caught up. Our mortgage company US Bank will not return phone calls or give the organization trying to help us any information on trying to resolve this matter. The other reason we were denied is because I 'm presently employed which makes no sense to me. Me and my wife are willing to do whatever we can to resolve this issue we just need a chance to get back on track
Today I received an email from XXXX XXXX XXXX XXXX that my request for a " Loan '' was " Denied '' because of false information on my " Experian '' credit report. I then immediately called " Experian '' at XXXX, explained to them professionally what just happened to me and asked for my " Free Copy '' of my " Experian '' credit report. They responded rudely by saying " No '' and hung up on me.
When my ex-husband left me ; he left the BB & T account in a negative balance. At the time I had no access to the account. I was only a signer. I had my own personal account at the time. I received notification that my personal account would be drafted unless the account that my husband used was paid off. I immediately took head and begin to pay this account off. I paid {$20.00} a week for almost a year to get it cleared up. I took care of the account ; paid it off in hopes that everything that needed to be done with this account was clear. I managed to keep my personal account in tact. 
Early XX/XX/2018, I tried to open up a new account ; I couldn't open it because of this old account. The reason was that this account was closed and charged off by the contributor, in whole or part and or account abuse. 

This is the primary reason why I can not open a new account. I filed a dispute in XX/XX/XXXX, it was updated as paid BUT the reason did not change. After explaining this to BB & T and potential banks ; THEY STILL have not updated it correctly. I feel at this time ; this negative should be removed my consumer report ( XXXX   XXXX XXXX and XXXX XXXX ).
I have a vehicle loan with Ally financial. XX/XX/XXXX, i became unemployed and called Ally to see what my options were. They offered me a two month deferment which was great. They kept saying I needed to sign some paperwork and that they could only mail it. Long story short, after about a XXXX phone calls saying I had n't received the paperwork I got the deferment done XX/XX/XXXX. Meanwhile the reported my account as 60 days late twice and 30 days late twice and it is DESTROYING my credit. I am trying to refinance my home and can not do it with these negative marks on it. I have called Ally frequently because I was assured all negative reports would be fixed. They are saying that the reports are accurate and that they can not verify I never received paperwork.
I started working with Wells Fargo back in XXXX to do a home loan modification which I started and received temporary for 6months, but was told that the remainder of the money that was not paid ( about {$400.00} a month ) would be put at the end of my loan but was not, it was made to be paid at that time which I did n't have and put me in major financial hardship! I was almost foreclosed on because of this! I spent more time that I really had trying to get through all the different lost papers that I needed to resubmit, changing loan specialist etc. that it was tearing me down. BTW I have all documents to back my statements. I was told by another loan specialist to file a quick claim deed and start the process to get the cosigner of the loan as they not living in the home, never lived in the home and will not help towards the loan and is one of the reasons why i cant get a modification at that time after the temporary. I did this and at the same time I got the hardiest hit assistance for 18months until XXXX XXXX and Wells Fargo told me to contact them after that which I did. The whole run around started again, I was told per the quick claim deed the co-signer would not be considered by the first person per the start of what i did in XXXX, but the next specialist came back after I spent allot of time filing out the paper work to get the process going and told me another story that I would need to include the co-signer and the rules from XXXX has changed per the quick claim deed. But I was already way to invested into this, and continued with the co-signer which was not easy as she does n't want anything to do with this and do n't care if it goes into foreclosure! 
After almost 3 months of working on the modification process with Wells Fargo and 5 different loan modification specialist also starting back in XXXX etc. I just now got a call from XXXX XXXX stating there is nothing they can do per the co-signer on the loan and I cant refi because I file bankruptcy in XXXX and have to wait 2 years to do a refi. 
I found XXXX XXXX info by contact XXXX out of TX who told ( they also really helped me understand my financial and how to apply for modification properly unlike Wells Fargo who did n't help me at all filing my papers ) to contact FHA/HUD ( who I have my load with ) and ask them directly, they told me 3 different story 's also, favoring with them NOT including the co-signer only to get with XXXX XXXX who told me a different story but put me in contact with XXXX XXXX and thats where I 'm at today. 
Why I 'm filing today is the fact that I spent so much time and waisted money, resources and more only to get the same answer I could have been told from the start instead of leading me to think it was possible and I still feel Wells Fargo should honor the co-signer not to be on the loan because they do n't live in the house, have not help me ever even when I was almost 3 months late in XXXX etc. and is there in recourse I have for anything they have done you might think could help me here? 
Thanks XXXX
I refinanced a vehicle wi th    XXXX   XXXX   XXXX   in  XXXX , GA  in    XX/XX/XXXX  while  resident of the state of Maryland. The refinance document was executed in th e State o  f Maryland.       XXXX  repossessed the vehicle i n  XX/XX/XXXX  of t he same year in the  Sate of   Maryland.  Due to a single late payment.     They never gave me access to the vehicle to recover personal items from the vehicle. I had a computer with multiple monitors, prescription glasses and clothes in the vehicle.      XXXX  never sent me a discretionary notice, which is required in the  state of   Maryland to rec over repossession fees.      XXXX  never sent me a 5 day notice of my right to redeem which is required by Maryla nd State Law. Whic h prevents them from collecting any type of deficiency balance in the  State o  f Maryland.       XXXX  never advised me of the location, date or time of the public auction that is required for them to collect any type of deficiency balance in th e State of G eorgia.      XXXX  has reported a deficiency balance since   XX/XX/XXXX  to my credit report showing that I owe them {$5600.00}.      They continue to update this reporting with the credit bureaus. Last update wa s  XX/XX/XXXX .      The fail to report a date of last activity to the credit reporting agencies.     Any alleged debt to     XXXX   XXXX   XXXX   would not be enforceable in the State of Maryland or in the State of Georgia due to them not following applicable state laws.      XXXX  continues to participate in an illegal scheme to poison my credit report by stating that I owe them a non legitimate debt.        XXXX   XXXX   li belous acts have caused me to pay interest rates higher than I should on a recent car loan or to be denied credit.     I have initiated disputes with the credit bureaus and directly with  XXXX   XXXX   XXXX  and they continue to verify that I owe them a valid debt.
XXXX XXXX XXXX 06 Reported :XX/XX/XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos )  Term12 months I challenge the accuracy, compliance and reportability of this listing. 
... grave errorsfalse claims and reportingI want these late payments removed immediately or litigation may follow. This is unlawfulI was always on-time, you have made an error Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 2 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the accounts that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ), and my wife did too, and AUDIT AND ADJUSTMENT has NOT removed THESE accounts from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Seterus Inc services my mortgage which is owned by XXXX. Over the last 7 months Seterus has initiated an escrow account in which they have tried to place flood insurance on my home even though my home is not in a flood zone. They have attempted to charge me for future property tax payments ... ..even though I pay my own taxes. After much haggling and extensive damage to my credit report ( Seterus absolutely crushed my credit rating because of my refusal to pay escrow ) I managed to get Seterus to take away out the flood insurance and taxes off my escrow account. Now they have decided to start a forced placed hazard insurance policy with their " partner '' and keep the escrow account live. I have no explanation as to why they just decided to impose a hazard policy. Lived in my home close to ten years and never was required to have one. After investigating complaints of a similar nature it turns out this is a common practice among mortgage servicers. They receive kickbacks from insurance companies and charge higher premiums on these forced policies. Seterus has managed to take away my ability to refinance to a local bank because of the damage they have done to my credit rating during by imposing their frivolous and un substantiated charges tacked on to my mortgage. They are currently the target of numerous class action law suits along with other mortgage and insurance companies because of these practices. I would much rather resolve this before taking legal action and any help you folks could provide would be great!
NationStar Mortgage acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, 2015 with the assistance of a Foreclosure Trustee named XXXX XXXX XXXX XXXX. The direct violation of XXXX law is based on NationStar Mortgage improperly and unfairly reviewing our loan modification request for relief which was never processed by them because they lost the file and all documents. I submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times at no avail. 
In addition, NationStar Mortgage has repeatedly denied me help several times and we never get a single person or SPOC to answer our questions honestly or directly. They always have several of their reps pass off our file amongst each other just to create delays. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. We intended to keep our home and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. NationStar Mortgage Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They simply wish to foreclose and kick us out onto the streets. They have clearly violated XXXX specifically under the " dual tracking '' clause. 
Now NationStar Mortgage instructed and allowed the Foreclosure XXXX named XXXX XXXX XXXX XXXX to illegally start foreclosure on my property. NationStar Mortgage. So there no valid or justifiable reason why NationStar should have denied our request or started foreclosure on our home. As a foreclosure avoidance option, I hired a RE Agent Named XXXX XXXX at XXXX XXXX to handle and start a short sale. We accepted an offer and now NationStar Mortgage refuses to accept the offer that she submitted in early XXXX of 2015 and said they will continue with the foreclosure sale. The sale is still set and they wont stop it to process the short sale which is wrong and illegal.