WillisBack/dataset-financial-user-claim huggingface dataset:
I have been working with a mortgage lender ( XXXX XXXX XXXX Movement Mortgage ) for a refinance on my current home due to a pending divorce. I have a home equity loan on my home, and prior to " settling '' this debt with XXXX Mortgage, I confirmed with XXXX that this was the right move. He advised me to first request a XXXX from XXXX in an attempt to have them settle the entire amount ( {$7600.00} ), and if they were not willing to do this, offer a small settlement on the debt. XXXX agreed, I settled the {$7600.00} debt for {$1000.00}, paid it, received a receipt and sent the information to Movement Mortgage to proceed with Mortgage processing. Earlier this week, I received a denial from Movement Mortgage due SOLELY to the fact that they are calling the settlement a short sale. My lender thought ( in error I 've since found out ) that this would be considered more like credit card debt. I counted on my lender for sound advice and followed his advice. Now I will be unable to secure a FHA loan for 3 YEARS while this " bump '' on my credit seasons. I have called other mortgage lenders and found that I simply can not get the FHA Refinance I sought to secure. I am angry and feel this lenders advice has not only kept me from refinancing my home, it has also affected my credit ( which I have worked very hard over the last few years to improve ) It is not my job to understand the mortgage lending rules which is why I counted on my lender. While filing a complaint may not fix the problem, I would like to have the mortgage lender ( at a minimum ) reimburse me for the cost of the appraisal on my home ( {$490.00} ) since I am personally unable to complete the process due to misleading advice given me. I have email backup and will be happy to provide whatever documentation necessary.
This was a very simple credit card bonus offered to the world. Simply spend {$1000.00} and receive a {$200.00} bonus. I fulfilled my obligations to earn this bonus. It has now been over 4 months and I have still not received my bonus money that was promised in the advertised offer. I took screenshots as proof and it would have been impossible for me to have signed up for this credit card without the bonus being attached to my application, as verified with the internet XXXX XXXX this offer was advertised directly on Wells Fargo official website on the date of my application. This is verifiable and undeniable.
XXXX Bank XXXX XXXX my debt to XXXX XXXX. This debt was paid in full on XXXX/XXXX/XXXX. Both XXXX and XXXX show on my credit report as negative. XXXX agreed to remove the debt from reports once paid in full. I have called them multiple times since my XXXX payoff and they are telling me that they have done what they need to do to remove and it 's out of their hands. I have filed disputes with all 3 credit reporting agencies and they say the information is correct. 
XXXX tells me that when they sold the debt to XXXX their negative reporting should have been removed. Again, I have filed disputes with all 3 agencies and am told that the information is correct. Meanwhile XXXX and XXXX say that they have done all the were supposed to do to have removed. 
No one is taking responsibility. 
I would like both debts removed from all 3 agencies report.
On or before XX/XX/XXXX 2017 I contacted AWA Collections concerning a {$60.00} medical debt that appeared on my credit report with XXXX. I spoke with a XXXX XXXX that is in charge of this debt, I told him I wanted to pay the amount shown on the report, I wanted receipts showing I paid so in order to receive receipts I was told to go on line to www.payawa.com and I was given 3 different account numbers one was {$19.00}, one was {$10.00}, the last was another {$19.00}. I double checked the amounts and the account numbers because two payments were the exact same amount, He verified the amounts given. I paid all three and checked with XXXX approximately 2 weeks later only to find that AWA only reported receiving {$20.00} and showing me owing a balance of {$40.00}, I called AWA and XXXX to inquire why {$40.00} was still showing owed, I was told to send verification ( copy of receipts ) and AWA would fix the discrepancy. I sent verification of payment XX/XX/XXXX 2017 However XXXX XXXX called me and stated that I needed to send him some more money or he would not remove the {$40.00} balance. I then went to my bank and had the {$10.00} and a {$19.00} disputed because AWA refused to acknowledge payment, XXXX called me at XXXX XXXX on XX/XX/XXXX 2017 and became very vulgar and spoke obscenities and stated that " I will show you ( in a threatening manner ) since you disputed the payment of {$19.00}, I am going to go into your account and take the disputed amount plus additional funds ''
My client has submitted a request for pre-foreclosure sale with a servicer and has been treated unfairly, and my prior request for the CFPB to intervene has been disregarded by the servicer. The file was assigned to a representative and she has not been following up on the status of the file and I was informed that the property will be foreclosed upon next Wednesday because our offer was low. I requested a valuation review and was told that it is too late and that the servicer is foreclosing. The negotiator 's supervisor will not return calls and they are acting in bad faith. The servicer has mis-represented the case form the beginning and said it is too bad that Virginia laws allow for the foreclosure to happen so quickly. The negotiator refused to give me the name of the person assigned to review the CFPB complaint and said we are going into foreclosure and there is nothing I can do to stop it.
On XX/XX/2018 and XX/XX/2018 I wrote Experian about an account that is improperly and inaccurate and with old information. I have not received any response or that the account is deleted. 

1. I sent a letter to XXXX Loans with the address that was provided on my credit report from Experian, a few days later I received the letter back because it was undeliverable. Experian is not allowed to report anything they know to be false including addresses. I disputed the item/account and it is still being reported on my Experian Credit Report inaccurately. 

2. Given that the furnisher ( XXXX Loans ) has provided false information to Experian about me, and provided Experian with a false address, I am demanding that the item ( XXXX Loans ) they are reporting be removed immediately.
I received a credit card solicitation from Bank of America in the mail to transfer high interest CC debt onto a Bank of America CC offering 0 % interest for two years with a 3 % balance transfer fee. I filled out the provided application in the BOA website that I was directed to in the solicitation and entered all the information asked for along with the {$8000.00} dollar amount of credit I needed to pay off the high interest card. I was expecting to be either approved for that whole $ XXXX amount or disapproved entirely. I immediately received an approval but for only XXXX % of the amount of the balance transfer I was asking to be credited. I was going to close the other high interest rate card if I was approved to eliminate the number of CC 's I have to better my Credit Score so that I could consolidate existing CC debt in a low interest personal or heloc loan. Instead, now I have an unwanted CC that I paid {$75.00} for, ( 3 % of balance ) which lowered my credit score XXXX to XXXX points. There was no disclosure to warn me that if I applied and was n't approved for the entire requested amount that I would be approved and given a CC for a lesser amount. This is a bait and switch unfair practice and I would like to know what my options are to rectify the damage that was done to my credit score.
Last XX/XX/XXXX I went to XXXX to get a phone at the location Mall of Georgia XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. The store manager XXXX XXXX had the sales representative XXXX XXXX help me out selecting the best option. The agreement indicated I had up to 14 days to return the device without being penalize. On day 14 I went to the office to return the device ( XX/XX/XXXX ). On this day XX/XX/XXXX I spoke with the store manager XXXX XXXX. He indicated there was nothing rendered for me to do and that everything was taken care. However, when I asked for a proof or receipt for the returned device XXXX XXXX XXXX indicated I did not needed anything as he had already canceled all services and lease device in the system. Weeks went by and I begin to receive notices from XXXX indicating I owe the services and device I previously returned. I got in touch multiple times with the store I purchased/returned the device and was told to disregard that in their systems I was already canceled and so forth there was nothing else needed from me. Soon after that I received another notice so then I took action and went personally to another XXXX store located XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Telephone number ( XXXX ) XXXX and asked to speak with the store manager XXXX XXXX. However, the request was denied and another sales representative asked me to go to the other store where I initially got the cellphone. On XX/XX/XXXX I obtained a copy of the final statement from XXXX on which listed me responsible for {$1000.00}. Shortly after on Monday, XX/XX/XXXX at around XXXX I received a phone call from a collection agency named : XXXX XXXX with the reference number XXXX requesting a payment in full on behalf of XXXX for the same amount previously described {$1000.00}. I disputed the balance and notified them that I did not owe the stated balance. The representative proceed and threaten to report my account to the credit bureau on XX/XX/XXXX. On Friday, XX/XX/XXXX I received the notice in the mail from IC System Collection Agency. I also faxed the proof of refund to IC System to the fax number ( XXXX ) XXXX with the case # XXXX. The IC System representative also indicated that XXXX never charged anything to my bank account on which I dispute as I have multiple charges from XXXX - XX/XX/XXXX {$31.00}, XX/XX/XXXX {$31.00} and {$42.00}, XX/XX/XXXX {$63.00}, and $ XX/XX/XXXX {$63.00} see attached proof of payment. The representative proceed to tell me my account was on hold.
Hello. My name is XXXX. I can give you my full name after your company contacts me. I want someone to call me tomorrow. My cell phone number is ( XXXX ) -XXXX-XXXX. I have been pursuing my fight against Wells-Fargo for over six years-forced car insurance. This is due to fraudulence committed by Wells-Fargo starting in XXXX. My XXXX was repossessed and should not have been. After my car was repossessed in XXXX-one year later I contacted the CFPB and your company did absolutely nothing for me and at that time there were over XXXX other complaints as well? What was the CFPB doing at that time regarding so many complaints from customers? Were you guys out to lunch? Was everyone on vacation at the CFPB? After my complaint to the CFPB I received a letter from the CFPB-your company was my last hope and nothing was accomplished? I was informed you felt there was not enough of evidence of fraudulence on my part-against Wells-Fargo? That same year there were other scandals against-Wells-Fargo and they got caught. Who decided at the CFPB-my case and 1,800 or more cases did n't mean anything or have any merit? I want to know the names of the people at the CFPB who denied me back then in XXXX and every other complaint I made since then? Nothing has been accomplished-with your company to help a consumer who has been denied, cheated and rightfully reimbursed by Wells-Fargo? What I do n't understand is how the CFPB can let Wells-Fargo get away with fraud and the level of fraud is at 100 percent? Please contact me.
I have tried repeatedly to submit my mortgage payment for electronic funds transfer ( EFT ) to PNC Mortgage. I had done so with the prior bank servicing my mortgage and had no problems accomplishing this. Unlike the prior bank, which allowed you to enroll for EFT online, PNC insisted that you complete the request through paper work. PNC then twice either negligently or intentionally delayed the EFT payment, assessed me late charges as a result of their delayed payments, and initially refused to waive the late payment. This is true even though they had access to my bank account ( as reflected by my bank account records ) and express instructions to make the EFT payment. 
In my history of home ownership, I have never once previously missed a mortgage payment or been assessed a late payment penalty. I believe PNC is acting in bad faith and seeking to impose and collect unnecessary late fees.
BANK OF AMERICA CREDIT CARD CLOSED BOTH MY CARD ACCOUNTS DUE TO SSN BEING " DUPLICATE '' THEY SENT ME ONE FORM OF WHICH I FILLED OUT AND RETURNED, HOWEVER, B OF A CLOSED MY ACCOUNT ANYWAY AND DIDNT EVEN INFORM ME, I WAS NOTIFIED BY MY CREDIT MONITORING SERVICE. WHEN I REACHED OUT TO BANK OF AMERICA TO GET THIS RESOLVED, I WAS TREATED RUDLY BY THE TEAM MEMBERS AND HUNG UP ON XX/XX/2019.
Yesterday I went online banking and was shocked after XXXX charges from XXXX for XXXX and XXXX for XXXX pending transactions, that I have Not made.I called the Bank Bbva Compass To stop those payments and block my card. They told me that will send a dispute form, but they ca n't stop the payment To merchants. Later I searched for those companies, and XXXX has the phone XXXX Business hours XXXX-XXXX Mo-Fri Eastern time, so they are closed during the weekend.And for the XXXX company I could n't find any information. I do n't buy online on websites different from XXXX or XXXX, so I do n't recognize any of these purchases. I keep my credit card in a safe place and last time I used was Saturday XXXX XXXX, To book a hotel through XXXX, that I cancel inmediately after the charge was made because I had untill XXXX XXXX To make changes To the booking. 
If the Bank is Not Protecting me from these frauds, what can you do To HELP me? 
I Realty need to avoid the charges, even on Wednesday I called the XXXX To search for a merchant XXXX that was offering discounts during the weekend forXXXX. So I dd Not buy or even contact the Company. 
Best regards, XXXX XXXX
Customer : XXXX XXXX XXXX XXXX. 
Point of Contact : XXXX XXXX Account XXXX Customer ID XXXX Card # : XXXX XXXX XXXX XXXX XXXX is a XXXX XXXX conducting business in the XXXX XXXX XXXX Area. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX there were XXXX fraudulent fuel transactions in XXXX cities in the XXXX XXXX, XXXX and XXXX, where we do not transact any business for a total amount of {$3900.00}. The card has been in our possession and has never been lost. On XXXX I received a call from XXXX XXXX, the XXXX representative assigned to our account, that the disputed card was declined several times. I told him the card was in nor possession and we were not using it. The next day XXXX I reviewed the card transactions and it was apparent that the card was skimmed somewhere and used in the XXXX metro area. 

On the same day XXXX I contacted XXXX 's afterhours support and had the card blocked from further usage and initiated a fraud claim. XXXX denied our claim stipulating : " this dispute was denied based on the XXXX Reserves XXXX XXXX which provisions what we call the XXXX rule. To clarify, this government regulation states that if a business has XXXX or more cards issued to them, then that business is responsible for any and all transactions on the account, whether they are counterfeit or not. 
" We did not use nor did we authorize the use of the disputed card for the fuel transactions or any other transactions in the XXXX metro area. Attached are the complaints, email communications with XXXX staff, and an XXXX file containing the disputed transactions. Please let us know if you need further information. Thank you.
Since XXXX 2017 I have applied for the Walmart card and have been denied each time. I decided to apply my last attempt by going into the store instead of online. I was denied once again. I called the bank after receiving my denial letter and informed them that I had also applied at 3 other banks and was granted cards with very high limits. I was told to send in my financials and my request of proof of the valid score of XXXX that came with the denial letter. I gathered all this information and sent it to the bank. One month later I called the bank to find out the status of my request. I was told by another rep that it is not the policy of the bank to review card requests after a denial. WHAT!!! then why have me send in all that verification? I explained once again that I opened a XXXX XXXX, XXXX and XXXX XXXX and was grated credit with high limits. How could this be possible with a fico of XXXX? something is wrong here. I have been getting the run around for 2 weeks now and no one wants to say what happened to my information that was sent in.
On XX/XX/2018 I requested that Experian verify accounts that was appearing on my credit report, ( see attached letter ). On XX/XX/2018 Experian responded to my request with a letter ( see attached letter ) directing me to contact the credit grantor, Experian in error is naming XXXX XXXX XXXX XXXX the grantor of this alleged account. 

On XX/XX/2018 I requested a method of verification ( see attached letter ) from Experian investigation and has not received any information from Experian alleged investigation, I have also submitted a second request written request to Experian in a good faith effort asking for the address and telephone number of the original creditor of this alleged account with XXXX XXXX XXXX XXXX without success. 

I have also in a good faith effort contacted XXXX XXXX XXXX XXXX ( see attached validation letter ) to get the contact information to the original creditor of this alleged account, XXXX XXXX XXXX XXXX  only sends a computer generated printout of charges and the creditor as XXXX XXXX XXXX XXXX XXXX XXXX ( see attached printout ) I have not done any business with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX and if XXXX XXXX XXXX XXXX  fail to validate this alleged account with verifiable documentation that this alleged account belongs to me it should not be on my credit report.
Equifax is not reporting one of my accounts that is paid - XXXX XXXX, XXXX ( XXXX ) is an account that I paid in full. XXXX XXXX confirmed they reported it to Equifax but it is not listed on my credit report. XXXX 's contact information is XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. The contract was opened in XXXX 2016 for {$1900.00}, and paid off satisfactorily. I contacted Equifax on several occasions to make sure it was reported, and was informed it was not likely due to a credit freeze on my account. I removed it and it is still not reported. I believe I am being discriminated against by Equifax. 

Equifax needs to report my balances correctly for the following accounts : XXXX XXXX XXXX
Myself and ex-wife are divorced. I released my rights to the property and gave her the real property in the settlement. She had 180 days to get the property in her name. She has been working with XXXX XXXX XXXX to get this done for almost 5 years. She finally had to filed a lawsuit against XXXX XXXX XXXX to have my name removed from the loan. She was successful in getting the judgement. However, XXXX XXXX XXXX will not stop reporting the loan on my credit. I have challenged the account with XXXX on numerous occasions with all XXXX of the credit b agency but they will not remove the account from my credit reports because XXXX continues to report this account as mine. I have a copy of the ruling where XXXX agree that I am no longer obligated under the loan and that she is solely responsible for the debt hence forth. I have attached the stipulation of release to each of my challenges with the credit agency to no avail. XXXX chooses to ignore the agreement with no regard for my rights.
I tried paying it but they wanted more for what was asked tried to set up payment arrangements wanted more.
We have done an ACH wire ( {$30000.00} ) on XX/XX/2018 from XXXX XXXX   to Wells Fargo. Unfortunately, Wells Fargo bank account was incorrect. ( someone hacked the emails of our vendor email server and sent us official notice of bank account changed ) Since ACH was initiated by us, XXXX refused to act as a fraudulent activity and Wells Fargo though confirmed ( by local bank manager ) they see this exact amount sitting in this account, but refusing to release fund back to us ( XXXX ) saying they need some sort of legal complain/ notice to do that. We went to local law and enforcement and file an official complain but after few weeks they found our money transferred from one account to another within Wells Fargo but eventually withdrawn the money by saying Loss Prevention Closing Entry ( screenshot attached ). It seems money is still with Wells Fargo and need your immediate assistance to release these funds back to us ( originator ). I would appreciate your attention to this matter. Thanks XXXX
I became aware of fraud on my Chase Bank checking account in XXXX of 2017. I went to them, filed and complaint, closed the affected account, and moved on. The banker misfiled the charges, and I returned in XXXX to rectify the situation. My second banker, XXXX, and I, were lied to almost constantly by everyone we contacted. I had to switch accounts yet again, and and Chase Bank stole {$400.00} additional dollars from my paychecks due to " debits due to dispute '' that did not exist, as they never issued me a check to credit the fraudulent amounts. When we contacted them in regards to this, they would promise to overnight the check, but the check never arrived, and we were eventually told, never even issued. They then closed my account due to " suspicion of fraud '' after I had FILED THE FRAUD CLAIM WITH THEM TWICE, AFTER WHICH THEY IGNORED ME. 
Because of the {$2000.00} I lost to fraud I nearly lost my apartment due to the inability to pay rent, and to make matters worse, Chase took an additional {$400.00}, after doing absolutely nothing to alleviate or address the situation. Horrible and horrific banking practices.
1. On XX/XX/2018, I sent an initial letter to XXXX XXXX ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$520.00}.

2. I also notified XXXX XXXX that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to XXXX XXXX on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for XXXX XXXX to send me verification of the debt. I havent received anything.

5. The entry of {$520.00} on my Experian and XXXX  credit reports is entirely inaccurate, incomplete, and represents a very serious error in reporting.
There was Two charges that appeared on my Credit card on the XX/XX/XXXX,XX/XX/XXXX For Light bill and Cable bill that was paid. On the XX/XX/XXXX I called in notified the company and began the dispute. On XX/XX/XXXX They Credit is back the {$520.00} which is the total of  {$170.00} Light bill and {$340.00} Cable bill.The Company reverse the charge of {$340.00} on XX/XX/XXXX because i had the same cable company. Spoke with the fraud department which gave me a fax Number .To send bill from the cable company to show that My account has n't been as of yet and the amount of the charge an my is n't the same amount. which @ the time XXXX which is a past due of 2 months. Now on the XX/XX/XXXX they sent me a letter saying We have researched your claim and results that this is my charge. So i research myself. They do n't have the account to that was paid with my card. So they ca n't match and assume that the charged is valid because of the company. So I spoke with the Company fraud department again and faxed over the new bill which is then {$330.00}. because it still has n't been paid. It was denied again. I have the bills from the past six months the prove that charge is n't mine and that no payment has been made since the issue has been going on.