WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2018, I received a call from Carrington Mortgage informing me that my payment for XX/XX/XXXX was not able to be processed. Upon further investigation, it was determined that the payment was not able to be processed because when I entered my baking account information, I accidentally transposed a number. I informed the representative that I was able to make the payment. She informed me that there would be a {$20.00} charge for taking the payment over the phone. I asked her if that fee could be waived and she said that she would have to speak with a supervisor and she put me on hold. When she came back to the line she stated that the supervisor was not willing to wave the fee. I then asked if I could speak to a supervisor. She put me on hold and when she came back to the line she said that she had XXXX ( # XXXX ) on the line. I explained to him that I realized that this was my mistake but asked if he could wave the fee anyway along with the late fee for XX/XX/XXXX. He stated to me that Carrington never reverse fees unless they made the mistake. At this time, I just decided to go ahead and make the payment. XXXX told me that I could not just make my regular payment, I now had to include the late fee. I told him that I only wanted to make my regular payment. He again told me that he would not take my payment unless I included the late fee. I then asked him to let me speak to another supervisor and he refused. I then asked him to transfer me back to customer service so that I could make my payment and he said that my payment would not be accepted. He then told me to have a good day and hung up. I then called back to customer service and I was able to make my regular payment and was given a confirmation number. Also, during the call with the first customer representative I was informed that I had additional fees assessed to my account that I had no knowledge of with the exception of the late fees. The fees are as follows : Property Inspection fees {$100.00}, Late Fees {$370.00}, Appraisal Fee {$440.00} and a Broker Opinion Fee {$400.00}. At one point I had decided to do a " short sale '' but changed my mind. I canceled the sale before the appraisal could be done so I just do n't understand how I could be charged an appraisal fee along with a broker opinion fee.
I am asking you to open an investigation against the Experian credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
Experian is putting in the credit system that I have an account with " XXXX XXXX XXXX  XXXX / XXXX '' # XXXX and that account is in delinquency. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from 2009 and I pay it in full, I have all the original documents, I give them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my account {$270.00} Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
Experian is committing a violation by : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
I deposited a check at a Bank of America ATM. The deposit was taken but I was not made aware until after it was complete there would be a 7 business day hold placed. I have talked with several representatives, all but one stated that was common practice at their ATMs for check deposits. I was told by the first representative that later that next day I could request {$200.00} of the funds to be released and the could after they could view the check. I waited 3 days to make sure it was viewable and was told there was no way to get any of the funds released. If this is common practice customers should be notified. If the hold can be printed on my receipt I should be allowed to cancel the deposit and handle the transaction a different way. I asked is I could bring proof from my dad 's bank that the check cleared for the funds to be released, they would not allow that. I have since making the deposit incurred NSF fees on my account as a result of the funds being held.
In XXXX XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had two mortgages : the first with XXXX, the second with USAA. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure, which XXXX granted, provided I clear the lien with USAA. 

After negotiations, on XXXX XXXX XXXX USAA issued a Settlement Agreement to me, stating that USAA would accept {$14000.00} for full settlement of the loan, with me paying {$8000.00} and XXXX paying the remaining {$6000.00}. On XXXX XXXX XXXX I paid to USAA {$8000.00} and USAA issued a new Settlement Agreement for {$6000.00}, which must be received by XXXX XXXX XXXX. I signed this agreement and USAA acknowledged that it received the signed copy. 

On XXXX XXXX XXXX USAA exercised a right to offset against one of my accounts in the amount of {$1700.00} to pay toward the subject loan. This transaction is contrary to the Settlement Agreement that USAA and I have in place and is not only contrary to my wishes to maintain good and honorable relations with USAA, but is also fraudulent. 

I contacted USAA 's banking, fraud, loan, and identity theft departments on XXXX XXXX XXXX. Of all the people I spoke with, nobody was able to tell me why the {$1700.00} was withdrawn from my account or where it had gone. I was promised a call the next day, but nobody called. I then contacted USAA 's Member Assistance Team ( that arranged for the Settlement Agreement ) on XXXX XXXX XXXX. They said only the debt collection department could have exercised the right to offset and transferred me there. The debt collection department said they could n't have done it, because my loan was held by the Member Assistance Team. I was told that an email was sent to the executives of the Member Assistance Team and that I would be contacted.
I received a demand letter from Pioneer Credit Recovery , Inc. on XXXX/XXXX/2016 for {$740.00}. 

I am disputing this debt it does not belong to me and I will not pay it. I have been contacted several time by mail and by phone in a attempt by Pioneer for me to pay this fraudulent debt. 

This debt is a result of Medical Fraud, by a criminal who has used my Identity to receive medical care.
In XX/XX/XXXX American Express had a promotion that stated if you get an XXXX XXXX XXXX XXXX and spend {$3000.00} in the first 90 days they wouldcredit your XXXX XXXX account with XXXX XXXX XXXX bonus points. I applied and received the card and met the spendingf threshold on XX/XX/XXXX. 

I contacted AE on XX/XX/XXXX as it had been 8 weeks sincemeeting the threshold and enquired why my points had not been credited to my XXXX account. I was informed I had to wait 6-8 weeks before it was credited. AE told me that they had opened an internal investigation and that I would have to wait anothe 6-8 weeks for the investigation to be conducted. on XX/XX/XXXX I contacted them again and they told me it was being investigated. On XX/XX/XXXX I contacted them again and now was tols 7 - 8 weeks for the investigation.On XX/XX/XXXX I contacted them and AE told me that the " specialists '' had identified the problem and that my XXXX points will be credited " some time in XX/XX/XXXX ''. On XX/XX/XXXX I contacted them again and was told that I will received the bonus points " sometime in XX/XX/XXXX ''. On XX/XX/XXXX still no points and still getting the run arround from American Express. They are still not providing me the promised points and still not providing me with an outcome.
The loan balances are not updating, is it being reported to the credit bureau monthly or quarterly? and how often should it update?
These collections said do not belong to me all medical.   I obtain  XXXX  insurance companies, never informed I had a balance. I have full coverage  SSI.    There are several credit card activity on my credit along with inquires I have not requested a inquiry for ye ars 10 d ue to illiness.   Several addresses not mine only have One.   I have learn within the past few months there is  XXXX  people with my same name, I dont know how my social got out, but it has.   I have had a foreclosure reported in  XXXX  County, and I have never owned a house.   Please resolve this confusion for me.       Thank You In Advance,  XXXX   XXXX   XXXX
The XXXX XXXX XXXX This company ran a criminal background check on for employer XXXX XXXX : XXXX ( FL ) XXXX ( BILLCODE : XXXX ). However, there are some incorrect information was on background. The report also contain information on XXXX XXXX, which is not me and is not connect with me in anyway. The review following information below that is incorrect : Report requested on : XX/XX/2018 Report completed on : XX/XX/2018 Case Comments : Limitations on the DOJ 50 State XXXX XXXX search. 1.  NEVADA : This search does not provide results from the State of Nevada, as by both statute and regulation, information from the Nevada XXXX XXXX Registry web site can not be used for employment purposes and can not be distributed commercially. 
2. OREGON : This search has special conditions from the state of Oregon. Information is only provided for XXXX XXXX who have been designated as XXXX, as provided in ORS 181.585, who have been determined to present the highest risk of reoffending and to require the widest range of notification or are found to be a XXXX XXXX XXXX offender under ORS 144.635. 
*** CONFIDENTIAL BACKGROUND SCREENING REPORT *** ( INFORMATION CONTAINED IN THIS REPORT IS PUBLISHED IN ACCORDANCE WITH FEDERAL AND FL STATE LAWS ) REPORT SUMMARY COMPONENT IDENTIFIERS STATUS RESULT SSN Trace XXXX Complete Complete County Criminal Record XXXX, XXXX XXXX, FL-XXXX Complete Level1 State Criminal Repository XXXX, XXXX XXXX, FL-Florida Department of Law Enforcement Complete Level1 State Criminal Repository XXXX, XXXX XXXX, FL-Florida Department of Law Enforcement Complete Level1 Office of Foreign Assets Control XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Clear Office of Foreign Assets Control XXXX, XXXX XXXX Complete Clear DOJ XXXX XXXX Search XXXX, XXXX XXXX   Complete Level1 DOJ XXXX XXXX Search XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Level1 Enhanced Nationwide Criminal Search XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Complete Enhanced Nationwide Criminal Search XXXX, XXXX XXXX Complete Cl
This past year, my husband spent 7 days in the XXXX. A XXXX, who does not get paid during the summer and I, a XXXX XXXX XXXX will not receive a paycheck until XX/XX/XXXX. We are unable to pay XX/XX/XXXX 's mortgage and contacted our mortgage company, Penny Mac. For two weeks I have contacted our assigned representative, over 15 times as well as calling into other departments in an attempt to get a response. On XX/XX/XXXX I spent 45 minutes discussing our situation and was told I would receive a call in 2-3 days. On XX/XX/XXXX, I missed a call from our newly assigned representative and returned his call an hour later. I have left 15 messages for him as well as his superior and other departments have emailed him as well asking him to contact me. No return call has been received since XX/XX/XXXX. I was attempting to call early to avoid any late payments and work out a solution for XX/XX/XXXX, but it is clear Penny Mac has no interest in contacting us or assisting in this matter. Today, I sent a 3rd message in their message center and there to, have received no response. Penny Mac claims to want to help their customers but it is clear they have no interest unless it makes money for them.
Months ago, I cut up my Bank of America credit card and sent it back to the company to close my account. Yesterday I received in the mail a 'change in terms ' to my credit card ending in XXXX. I tried to call the phone number to tell them the account was closed, but it asked for a credit card account number ( which I do n't have ) or a social security number ( which I input, but it did not recognize ). Since it did not accept my social security number, I got a recording that threatened " extended wait times '' because I allegedly did not input my number. I got tired of being on hold and hung up. THIS ACCOUNT HAS BEEN CLOSED. I HAVE NO OPEN ACCOUNTS WITH BANK OF AMERICA.
I attempted to contact Lending Club using the provided email addresses. I wished to pay off my business loan. The website allows you to make withdrawal requests. But you can not pay your loan online. The loan note has a paragraph which provides a mailing address to pay your loan. I sent payment, but it was never processed. The note payments are automatically taken from my checking account each month. Essentially, you can make withdrawals, but you can not pay off the note. Lending Club does not answer any communication by email even though their website lists XXXX different wmail addresses.
My  XXXX  credit credit card account which was in good standing has been closed since    2011. I want it removed from my credit reports. When I applied for a credit card limit increase I was originally denied because of the   XXXX   credit card account on my credit reports even though it was closed since 2011.
Dear Sir or MadamI am in constant amazement of your companies business practices. Attached please find a loan of a property I purchased in XX/XX/XXXX. The property address is XXXX XXXX XXXX XXXX NC XXXX. It is a XXXX bedroom condo that I purchased for {$110000.00} as an investment property through Wachovia. I have called Wells Fargo many times to this day to have this property loan NOT listed as my primary residence XXXX XXXX XXXX XXXX Florida XXXX. Many times when I call Wells Fargo they tell me there are too many numbers in my loan XXXX maturity date XX/XX/XXXX and it is not a Wells Fargo loan. They also list the loan as a Mortgage Equity Loan Statement! I then explain it is an old Wachovia loan and then they go oh! But do n't you think after XXXX you would have consolidated the loans and had proper Wells Fargo loan numbers attached to the old Wachovia loan numbers. XXXX things I need I was dealing with XXXX XXXX XXXX in your loan dept and I asked him for XXXX, XXXX and XXXX rates on my existing payoff of {$74000.00} and that they need to remove my Primary Residence off this loan and then that is when the fun starts. I then email him all of my information and he will not answer emails or phone calls. No one form Wells Fargo will call me back, answer emails or return any messages. Could someone please get back to me it should be an automatic refi, I have never missed a payment and I want to get my primary address cleared up and the North Carolina address for the property cleared up. I do not know whom to talk to as I have sat on hold for hours at a time and have been bounced around from department to department with no resolution. It should be an auto refi and go forward.
My complaint is with GreenTree Servicing. I took out a mortgage with them in 2001 when I had a full time job. My interest level was 10 %. I no longer have a full time job. Over the years I have contacted them when my mortgage fell behind. There has never been much help just bandaids to the problem. I am now collecting Social Security benefits and do not work. I have attempted to get my interest rate ( 10 % ) lowered on numerous times but to no avail. The first time I applied for the MAKING HOMES AFFORDABLE PROGRAM, program I was told to submit the documentation and I did. I would get notices that I was missing documentation, etc. which was not true. If I called customer service to see where I was in the process I was told to contact the XXXX XXXX office. Finally after weeks I gave up and sent them a letter saying I was tired of it all and just gave up. Next time I attempted was about a year ago. Submitted everything, and never heard a word. Waited, Waited and Waited. Finally I called Green Tree 's XXXX number and spoke to someone who told me ( after I jumped through all the paperwork hoops ) that GREEN TREE did not participate in the program. So, another road block to get help with this mortgage. My mortgage was for 30 years. I still have 15 years left and I still owe almost as much as I started out with because of the outrageous interest rate. Are there any programs out there to help people in my situation? My loan payment is being eaten up by the interest and I do n't believe GREEN TREE treated me fairly when I tried over and over to get help.
On or around XXXX XXXX, 2015, I applied for the Capital One credit card directly through their website ( www.capitalone.com ). I carefully read through the disclosures and compared each card 's fees and APR rates before making a selection. I chose the " Capital One Platinum card '', because it was being marketed as " annual percentage rate 0 % ( APR ) for purchases for the first year and no annual fee ''. I was immediately approved for a {$3000.00} credit limit. On or about XXXX XXXX, I used the card to pay my rent of {$800.00}. On XXXX XXXX I paid {$150.00} toward the balance prior to the cycle ending. On or about XXXX XXXX, I called to make a payment with customer service again, but was told my payment was not due until the XXXX of each month with a min of {$25.00} due and to wait until the next billing cycle. On or about XXXX XXXX, I called customer services to make a payment and the automated system reported I owed over {$800.00} on the account with a min of {$73.00} due. I immediately spoke with a live customer service rep who reviewed the account. She reported I had a late fee, and interest on the account that has occurred from the last two months. I asked for an explanation since I applied and was approved for the 0 % APR. The representative reported " I see you did apply for the 0 % APR, but was denied ''. I asked why I had not received a statement and or other forms of verification regarding this and why was I approved for the high credit amount and not the low APR rate? I requested that I speak with a supervisor who can explain why I was not informed of this change and the fees associated with the account. After spending over an hour on the phone, with a reported supervisor he reported " Capital One ADDITIONAL DISCLOSURES & TERMS AND CONDITIONS clearly state why I was denied ''. I asked him to guide me to the exact paragraph to which he was reading from online. The supervisor outlined " With respect to this offer, I acknowledge that : Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One 's credit standards ''. I questioned what exactly the Capital One 's credit standards was and how it is used to define my creditworthiness? The supervisor easily became irritated with my request and threaten to discontinue the call and then hung up on me. I called back several minutes later with hope of someone defining the Capital One 's credit standards. I reached another representative who was eager to find out what it meant as well. He could only confirmed that the Capital One 's credit standards is their internal underwriting policy. I fear that with such policy in place that prevents consumer 's access of making informed decision that Capital One 's credit standards is a deceptive marketing and enrollment credit lending practice. Such practices raise the alarm of unfair billing and discriminatory credit card practice.
On XX/XX/2018 I sent a written request to Fifth Third Bank to remove MI insurance from my mortgage account. Shortly afterwards an appraisal was completed. Stating that the loan to value wasn't 75 % or less, ( actual based on appraisal is 77.3 % ) Fifth Third declined the request. I sent a rebuttal to their decision sighting XXXX XXXX rules stating that tenure or the seasoning requirement ( 2/5 year ) is waived in the event the home value increase is substantially due to upgrades or improvements to the real property. The appraisal sufficiently bears this out. The loan has been in effect for 2.5 years, there is no junior lien and payments are current. Fifth Thirds response was a voice mail suggesting that if I wish to remove MI insurance I need to send a request in writing.
After 4 years of trying to obtain a modification from Wells Fargo - ( as explained in my other complaint - XXXX ) unsuccessfully, I am now reporting all and any attempts by Wells Fargo that delay, undermine, confuse, and or subvert and sabotage our attempt to reclaim our home. After 2 months of working with XXXX Home Mortgage Preservation Specialist ( XXXX XXXX ) and sending redundant documents which where then denied were received on several occasions, we have just today been notified of a NEW Specialist, which will start the process all over again. This will only increase the arrears and I believe this to be deliberate. 
There is no question that we are now in a position to pay a reasonable mortgage payment and that has been proved continually. These constant machinations to detain conclusion is damaging, against the law and there is no good reason for constantly switching specialists.
The fdcpa clearly states that harrasment aka calling repeatedly to collect a debt is against their policy, which is exactly what is happening to me, I would like to report that commenity bank is using harassing collection methods, and I have proof on my call list the amount of times a day I get called.
This is fraud, I never used acknowledged or submitted to any service with the stated company. I have contacted the credit bureaus to have this removed but was unsuccessful.
I 've already filed a complaint with XXXX and according to my latest credit report, they did NOT change the incorrect information. The Home Equity Loan was not included in my bankruptcy but rather XXXX  failed to complete the loan paperwork correctly and therefore the loan was discontinued and written off. They removed this item from my husband, XXXX XXXX XXXX Credit Report already.
On XXXX XXXX, 2015, I emailed XXXXXXXXXXXX a copy of a delinquent notice I received for my XXXX bond. The payment was due XXXX XXXX. After receiving no response, I called and spoke with your customer service agent XXXX XXXX on XXXX XXXX. He was very helpful and asked me to resend the delinquent notice directly to him. Several days later I received a voicemail message on my home phone from another Gateway employee that they had corrected the problem and payment had been made. 

On XXXX XXXX, I received via Certified Mail a notice showing that the original amount due had been paid, but the late charges were not. This was sent via email to XXXXXXXXXXXX on XXXX XXXX. Another follow-up email was sent XXXX XXXX after I had not received a reply. 

On XXXX XXXX, I received a second certified letter, so I called Gateway again. I can not remember the name of the representative I spoke with that day. Rather than just trying to get payment made I asked for an explanation why your company has such a hard time with a simple escrow payment. I was assured after XXXX minutes on the phone that a computer error was corrected and payment would be made. 

Through indirect channels, I learned my home was being prepared for auction to pay the outstanding balance. The XXXX bond website still shows XXXX has not made payment at XXXX Since I have a vested interest in maintaining my home, and Gateway 's staff appears to be functionally incompetent, I paid the outstanding fees via personal check on XXXX XXXX. 

Because all late fees incurred were caused by the failure of Gateway, I demand immediate reimbursement for the {$290.00} I paid to satisfy the outstand amount due as set forth in 12 CFR 1024.34 of the RESPA. I also request Gateway make any necessary changes to ensure all future escrow payments are made in timely manner.