WillisBack/dataset-financial-user-claim huggingface dataset:
The Builder and I agreed to the purchase price of {$420000.00} and the builder offered to give a XXXX % incentive and Title fees ( Approx. {$12000.00} ) towards the closing cost and title fees provided, I finance through their in-house lender, Universal American Mortgage Company. 

The Good faith estimate showed the {$12000.00} credit but the interest rate charged was 4.25 %, whereas based on my credit score of XXXX, I am eligible for interest rate of 3.75 %. The lender structured the loan by rolling the closing cost and title fee and increasing the interest rate by 0.50 %. ( Which is exactly equivalent to 3 % premium amount of the loan ). The lender is trying to recoup the incentive amount by increasing the interest rate. When I brought this up with the builder, he was not ready to listen to my argument and referred back to the contract. He also refused to return the earnest money of {$4000.00} if I wish to cancel the contract. 

The Earnest money of {$4000.00} was paid on XXXX/XXXX/2015 to the builder towards the property located at XXXX XXXX XXXX XXXX, XXXX TX XXXX and the purchase contract was executed on XXXX/XXXX/2015. On XXXX/XXXX/2015 I received 'cash to close summary ' from lender for which I did not agree and objected on the same day. Since then I 've been talking with builder 's representative XXXX XXXX and Lenders representative XXXX XXXX expressing my concerns and repeatedly asking to have my concerns escalated to their management and to explain my rights of cancellation options. They never escalated anything to their management nor explained to me, either verbally or in writing my right to cancel the contract. 

Finally, on XXXX/XXXX/2015 XXXX ( VP Sales ) contacted me at XXXX XXXX, I explained to him the whole situation and told him that even if I was to go with any other lender and ask them to structure my loan in a way that I do not have to come up with any closing cost out of my pocket, they would offer me the same loan that Universal is offering me, in other words I am not seeing any credit that XXXX is promising me to pay. I also stated that if they can send me an email stating that the " Entire incentive amount offered by XXXX is being applied towards my closing cost and ; none of my funds whether in the form of cash or premium are being utilized on life of the loan? '' to this he responded by saying, that 'he is not obligated to do that since i have already signed the contract with them ', further he threatened me that I am in breach of the contract. XXXX 's representative wasted time escalating to their management and now they are trying to hold me responsible. I was under the impression that once I get hold of any senior management person that person would listen to my concerns and help me, or at the least be courteous, however I was wrong ; instead Will was very rude on phone and threatened me.
I am receiving repeated phone calls from a company called FBCS Inc. who is calling me from XXXX different phone numbers who have been calling me repeatedly. I have received and have record of XXXX calls since XXXX XXXX, 2016. I have answered the calls and no-one is there and the phone hangs up. I have called back and the recording identifies the caller as FBCS Inc. which is some kind of debt collector. I do not have any debt and feel these calls are harassing as they are calling my business phone.
Lender ( Navient ) switched me to electronic billing and then never e-mailed the bills. Stopped mailing paper bills.
A company purchased a debt that was not verified by a previous company and was ultimately removed from my credit as I am unaware of such debt. I sent a letter to the company on XX/XX/18 after receiving a notice on XX/XX/18. The company was asked to provide several tenets of proof and sent a bill without the additional evidence on XX/XX/18. Instead of allowing me to investigate, the company then added the charges to my credit as a collection.
On XX/XX/XXXX, I was reviewing my XXXX XXXX XXXX XXXX credit report and notice an inquiry that was made without my consent by XXXX XXXX XXXX fl on XX/XX/XXXX. 

I contacted XXXX XXXX who is in XXXX XXXX XXXX fl customer service on XX/XX/XXXX expressing my intent to have the said inquiry deleted, XXXX stated he could not assist me. 

On XX/XX/XXXX, I filed a complaint with the Federal Trade Commission, report # XXXX. 

On XX/XX/XXXX, I sent XXXX XXXX XXXX fl a FDCPA validation letter.
I called Citibank customer support to report there is an unauthorized charge on my diamond preferred card and was told that Im not liable for the charge and they will conduct an investigation. Then on the week of XX/XX/XXXX I followed up via chat as to why I still see the balance on my Credit card, I was told by one of their representative that I will see the credit next week. I then check again the whole week and still theres a balance. On XX/XX/XXXX I contacted them again and asked as to why I have a minimum payment due on my card and also as to why they havent credited the unauthorized charge. I was told that I have to contact their security department to find out. I called that department and was told to file a police report due to the amount. I felt I was discriminated and treated unfairly because when I told the representative that I am on XXXX he told me that I can do it online. I have checked the cards terms and condition and there is nowhere that says that if its over {$5000.00} theyll need a police report. I read about the zero fraud liability and yet they are not standing by their word. Lastly, I had to pay {$300.00} plus to avoid penalties.
I had an overdraft protection feature on a checking account opened in XXXX of XXXX at XXXX XXXX XXXX. I was XXXX at the time. In XXXX of XXXX it was reported as late and due to me being young and not financially sound I did n't pay some overdraft fees that totaled XXXX dollars. Several years went by and as a worked toward my professional career I wanted to get my credit in order. So in XXXX of XXXX, I checked all my reports and saw this XXXX charge I knew nothing about not remembering what it was from. I paid it immediately. However, my XXXX and FICO report is showing that I failed to pay for years which equals 65 months of failure to pay status on my report. This is literally tanking my credit over 250 dollars. The worst part is that due to the timeline it would have been better for me to never pay it off and just let it fall off my report after the 7-year limit but I thought I should pay what I owe. I do n't think it is fair to have 65 failure to pay statuses on my report when the bank writes off as a paid profit loss and then I proceed to pay it when I learn how to manage credit as a young adult. I do n't think it 's fair for the life cycle of this account to restart since I choose to pay off what was owed instead of letting it fall off the report. It 's doing a ton of damage to my report over 250 dollars from a XXXX. And again I PAID IT BACK in full to the original creditor.
XXXX XXXX XXXX put a hard inquiry thru on my equifax report that I did not authorized.
Purchased some furniture from a furniture store. We bought a sofa and love seat, a bunk bed and a mattress. The sofa and love seat were suppose to have wooden legs and removable cushions. The legs were plastic and the cushions were sewn in. The bunk bed turned out to be XXXX different colors. The mattress had a manufactured on date the same as the date we purchased it. We tried to resolve this with the merchant but were unable to do so. Filed a dispute against the XXXX with Bank of America, the company whose credit card we used. We filed the dispute about XX/XX/XXXX. Soon after we were informed the dispute was denied because we did not submit necessary information. The person I talked to reviewed the file and saw that I had actually submitted the necessary information and they would resubmit it. Later we were informed that the pictures showing the problems with the products were not acceptable. I had to write out what the problem was. Pictures showing the problems were apparently not good. XX/XX/XXXX we received a letter dated on XX/XX/XXXX that the claim was denied. It stated that all available options were exercised and they were unable to obtain a credit from the merchant. And that they considered the claim resolved and wo n't respond to any further correspondence relating to this claim. We are not sure why they denied our dispute considering the documents we submitted to support it. And any attempts to find out have not be productive. Apparently they are not responding to any further correspondence relating to this matter. I have even attempted contact on XXXX and after doing what they say, do n't hear anything back. I can not give exact dates because when I attempt to access the information on their website it seems to have been removed. They wo n't answer my question on why that is either. On my account they have my address and phone number but tell me to send contact info. When I do they say they did n't receive it, even though they already have it. This has been going on for 4 months. All of the items we purchased had issues. Ca n't submit certain documents because I ca n't access them even though Bank of America says they will be accessible for 120 days. Bank of America has yet to answer why I ca n't access even though I have made numerous attempts to find out.
XX/XX/XXXX XXXX XXXX i have called, sent in letter 's. XX/XX/XXXX XXXX XXXX sent in letter 's XX/XX/XXXX XXXX of i have called, sent in letter 's XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX sent letter to dispute XX/XX/XXXX XXXX called and company sent letter XX/XX/XXXX XXXX sent letter XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter
Local branch manager has not responded to my request on XXXX XXXX to remove all auto drafts from my Wells Fargo accounts to other linked Wells Fargo accounts. The auto drafts continue to automatically attempt to transfer and create overdrawn accounts and excess insufficient funds and fees.
The response received by the US Bank, XXXX XXXX XXXX, Cardmember Services, XXXX XXXX XXXX, XXXX, ND XXXX dated on XXXX/XXXX/2015 is unacceptable as follows : Records found in the US bank card member services files, indicated that, the US bank 's letter of XXXX/XXXX/15 send by XXXX XXXX, Executive Communications, clearly explained that the US Bank made a MISTAKE in obtaining a Hard Inquire on XXXX/XXXX/2015. Having this information on Record, the US bank did removed the HARD inquire. But, on XXXX/XXXX/2015, the US Bank did traspass my personal e-mail address, send me the same credit card application, AGAIN, via my personal e-mail address : XXXXXXXXXXXX. Having received this offer, again, I thought that the US Bank was Re-Considering the previous denial of credit due to " limited credit experience ''. Consequently, due to this error made by the US Bank to offer again a credit card previously denied, I kindly request from the US Bank to remove their HARD INQUIRE which had damage my credit score and is preventing me from obtaining the credit I desperately need at this time.
Last year 2016, I went to file my taxes and had discovered someone had already filled in my name. So I went through a whole process of identity theft which took 5 months to resolve with the IRS, before I could even get any of my tax money. This year they provided me with a pin to use to file. Although, I had a pin to use when it was time to submit my taxes I received a letter by mail stating they needed a form due to me having insurance through the XXXX XXXX XXXX XXXX. In fact I do not have insurance through the XXXX XXXX, I have insurance through my employer XXXX XXXX. After calling around several places, to see who in fact had insurance in my name. When I called the XXXX XXXX  XXXX XXXX, they provided me with the name of the XXXX XXXX, and also provided her XXXX and told me to reach out to XXXX. When I called XXXX of GA, they also saw a plan in my name using my social and told me that whoever had the plan was making payments on this plan. I had to explain to them that I was in fact XXXX XXXX, gave my social and let them know that was not my health plan and that I have insurance through my employer. They also provided me with an address for the person. When I XXXX the address it came up as a house for sale, which means XXXX just used a random address. This prompted me to place an identity theft alert using my social and that where I saw the Walmart Credit Card. It stated it was closed, but still had an outstanding balance. This is not my account, nor balance. I filed a complaint with the company and received a denial letter, my claim was denied because the person was making payments, and that I benefited from this account. How? I don't know. Then I was asked how I filed a police report. My answer was how, when I don't even know where this person lives. I do know shes lives in the state of GA. And thats about it. I am not the only person she has victimized. Anybodys taxes she had done over the years are all victims as well. We have no help due to this person moving all around the world, so the police are unable to assist. She is very smart, to the point she works in XXXX XXXX companies, getting access to people personal information, and now she works for a credit company that fixes people credit. This is exactly how this person gained access to my information, but once doing my taxes. It's not hard these days to use other people information to get what you want. I have reached out to all of her employers from different XXXX XXXX to her new employer XXXX XXXX. I do not even shop in walmart because of an issue I came across, when buying my niece a doll. They had a XXXX doll on sale for {$11.00} and the same exact doll in XXXX XXXX for {$39.00}. Of course since they price match, they were willing to give me the doll for that price. But after that I no longer wanted it. I don't even know how to make payment for this account, because I have no information.
I previously disputed two accounts on my credit report. XXXX XXXX sent me a letter that both accounts were being removed from my credit report. One account continues to report on my Transunion report. I've contact XXXX XXXX who stated someone will be contacting me but to no avail.
I need to update my claim against Mid-Atlantic Finance Company. I gave the wrong account number to my previous claim as they have sent me a letter when they purchased my automobile loan from XXXX XXXX XXXX 's buy here pay here car lot. They sent me information on a XXXX XXXX XXXX that they also bought from XXXX.My account number was XXXX.This loan was purchased without my consent and I did n't know about it until two months later made one payment to XXXX after this company had purchased my loan. They collected the car a few months later.I never received a letter stating they did get the car, when it was sold, and how much was left owing on this car.I am also being charged for more that was left owed on the car when they first bought the loan.I believe they have broken Florida 's state laws purchasing this loan without my knowledge, or consent.I never had a contract with this company.My contract was with XXXX.Which I paid for over two years without one single late payment.They also have broke the law by sending me information on someone else 's loan.I gave this car back, and I feel they never lost any money as they bought this loan for a higher amount that was owed on from the buy here pay here, and then they received the car back, and was sold again. This company has made several false information on my credit report, as I am a member in XXXX credit.They went back and searched my account and found where they went from not reporting anything on this closed account to changing it on terms of months when I purchased this from the car lot it was for three years.I only a year, or less left to pay they put in 360 months. They changed amounts owed.It was a little over XXXX XXXX, then XXXX XXXX, and now over XXXX.This company has several complaints, and lawsuits over their acts. I feel they have broke several laws trying to collect on money I feel I never owed this company anyway.I never signed an agreement with this company. They purchased my loan on XX/XX/2012.
I send some money to XXXX through XXXX And my family can receive the money And been calling to XXXX and they are so disrespectful And just hang out the phone They not want to give my money back.
Called my child 's telephone and said they were the XXXX County Sheriff and wanted to issue a summons for me on bank XXXX, I also received this same message left on my phone. They then called my employer and left this message for my boss. I called the sheriffs department and they did not call me.
I have a bunch of issues with American Express and this complain will include at least 4 different issues that I am having with my American Express accounts. I have 5 different accounts with American Express and recently I have been receiving terrible customer service and by terrible I mean customer service agents who are transferring me from one line to the other and giving me contradicting or even wrong information at times. They are friendly and trying to help but if they can't solve the customer issues then it's not good enough. 

1 ) First issue has to do with my amex premier rewards gold card ending in XXXX. I got this card XX/XX/XXXX and put over {$2000.00} in charges on it however I can only see the charges from XX/XX/XXXX and that's it. Everything before that is like it never happened. I contacted the customer service team about this numerous times and they keep promising to raise tickets to customer support and get back to me and nothing happens. Where are my transactions from the day I got the card? 

2 ) Second issue is that I submitted a request to move negative balance of around {$10.00} from my premier rewards gold card ending in XXXX to my XXXX card ending in XXXX on XX/XX/XXXX. I was told it typically happens within 72 hours. I call today to ask about the status and the agent told me that I just submitted the request yesterday and I need to wait. I told her I am sure it was a week ago and she said she doesn't see that on the system. 

3 ) Third issue I tried to allocate available credit from my XXXX ending in XXXX card to my XXXX XXXX everyday card ending in XXXX and it just won't go through even though I have the credit available. I want to transfer {$200.00} from XXXX to XXXX XXXX XXXX. Customer service told me they can do that over the phone and still couldn't do it even though they asked for my annual income and other information! 

4 ) When I opened my Everyday card ending in XXXX in XX/XX/XXXX I didn't receive a points welcome offer instead I received an offer to get a higher credit limit after using and making on time payments on the card for the next 5 or 6 months and if I never received a credit increase on that card during that period ( which I didn't ). Attached is a screenshot of the email that I received that confirmed the same information on the original Offer Terms that I agreed upon while applying for the card. It's been over 7 months since I got the card and I never received that promised increase and Its obvious that this is an automatic increase that should happen on its own without me going through the hassle of manually requesting it. 

I like American Express and I have 5 different credit accounts with them as well as savings account and ran a lot of charges across all of my accounts in the last months. So I would like those issues resolved in a timely manner because having different issues across different accounts with the same issuer is not optimal.
I disputed several fraudulent inquires with Experian and the companies attached on the letter that I sent out on XX/XX/2017. As of today Experian is still reporting these fraudulent inquiries. I would like these inquiries removed as I am entitled to a fair and accurate credit report. The inquiries are listed below. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX ( listed on my credit report several time ) 4. XXXX XXXX XXXX XXXX 5. XXXX   6. XXXX XXXX XXXX
I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and   XXXX   has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting documents.   XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH   XXXX    AND WAS TOLD IT WAS   XXXX   RESPONIABLY TO REMOVE THIS
In its XXXX XXXX, XXXX response ( Ex. XXXX ) to my prior CFPB Case XXXX, Ocwen confirmed that the subject loan has been owned by American Home Mortgage Assets Trust XXXX ( " AHM Trust XXXX '' ) continuously from XXXX XXXX to the present, stating, " the Consolidated Note was never transferred out of the AHM Trust XXXX. '' Importantly, in later contradicting said statement in the same response, Ocwen nonetheless states that the loan is held by American Home Mortgage Servicing. In addition to be inconsistent with the initial response above, said response requires withdrawal of the inconsistent documents under Ocwen 's Consent Judgment with CFPB. A more complete explanation is set forth in the attached letter to CFPB General Counsel XXXX.
My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. XXXX I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.