WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a loan through my bank to pay off this credit card. My bank called them directly for the payoff amount and mailed the check. Company mailed the check back to the bank stating they could not credit to account. Bank immediately mailed the check back without changing anything. Company cashed it, and we assumed it paid off the account. After the account was sent to collections, we started asking questions as to where the money was credited to, and we wanted statements. The company, or the collection agency were not able to furnish us with statements, or any kind of answers. During this time, it has been reporting my credit as a charge off account. This has taken years to get no resolution, and it needs to be resolved. It 's negatively affecting my credit, and I am unable to move on with my life. We have provided all companies with documenting emails and copies of the cashed check to no resolution. During the time of the payoff, Capital One bought XXXX, so it is my belief that this situation happened in error during the handover.
My lender, Wells Fargo, continues to increase the required amount of flood insurance. Under the FDPA, the minimum required is the lesser of the loan amount, the insurable value or {$250000.00}. While I fully understand the lender has the option to require more coverage, in this case, they are causing undo hardship by continually increasing the required amount of coverage and therefore the premiums. This is causing customer harm and even though my agent has discussed this with Wells Fargo at great length in the past, they refuse to review and continue to provide the standard " we are protecting you '' answer. I understand the necessity of flood insurance but my loan balance is well below the amount of insurance I carry on the home. This is my choice as an informed consumer. It should also hold true with the amount of flood coverage I choose to obtain as long as it meets regulatory requirements. 

I know this will be future to submit a complaint as I 'm sure I will get the " lenders can determine the minimum amount ''. Yes, I work in the mortgage industry but I fell Wells Fargo is being unfair and causing undo hardship by this requirement
BEFORE THERE BECAME A BALANCE I ATTEMPTED TO WORK WITH XXXX TO GET THE BALANCE PAID. THEY WERE UNWILLING TO WORK WITH ME. I HAVE EVEN REPORTED THE CUSTOMER SERVICE AND THE HANGING UP ON ME. LONG WAITS ON NUMEROUS SITES AS WELL AS HERE.
Fraudulent inquiries/Equifax not investigating properly. 
All inquiries are fraudulent.
I told my niece I would co-sign a loan with her. She quit making payments. I got on computer and look at prosper. XXXX XXXX put a {$7000.00} loan in my name and electronically sign it. This is computer fraud and identity theft.
XX/XX/XXXX Opened Wells Fargo EveryDay Checking account with a bonus offerXX/XX/XXXX I met the offer requirements of at least 10 debit card purchasesXX/XX/XXXX I asked Wells Fargo if I met all the offer requirements for {$250.00} promotional bonusXX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me acknowledging that I signed up using the promotional offer and informed that I have met the bonus requirements. He also responded that the bonus will post 45 days from meeting the requirements. Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion, but it didnt. 

XX/XX/XXXX The 45 days waiting period passed but the bonus didnt post, so I messaged Wells Fargo XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back saying that I will get a US Mail response within 14 business days. Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion, but it didnt. 

XXXX/XXXX/XXXX The 14 business day period ended without any response from Wells Fargo, so I messaged them XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back asking for 14 more business days for a response. Wells Fargo had the opportunity to  inform me if I wasnt really targeted for the promotion, but it didnt. 

XX/XX/XXXX The 14 business day period ended without any response from Wells Fargo, so I messaged them XX/XX/XXXX Wells Fargo employee, XXXX XXXX, messaged me back saying that I did not meet the requirements. Even at this point, Wells Fargo had the opportunity to inform me if I wasnt really targeted for the promotion. But they claimed I did not meet the offer requirements. 

XX/XX/XXXX I messaged Wells Fargo for the reason behind the evasive, contradictory, misleading information. 

XX/XX/XXXXWells Fargo employee, XXXX XXXX, messaged me back that I wasnt targeted for the campaign. If that is true, why on XX/XX/XXXX Wells Fargo informed me that the offer requirements were met and bonus would post in the future?
In XX/XX/2018 I notified XXXX of inaccurate information reporting on my credit file. I included an FTC Identity theft report along with proof of identity and a letter explaining that I was a victim of identity theft and to please remove the inaccurate accounts. XXXX later updated and stated that the accounts were updated and verified. This is found to be false and inaccurate because how could the companies provide XXXX with information supporting these accounts and the fraud accounts couldn't provide me with any contracts or any viable proof of such accounts belonging to me. XXXX  has decided to not follow as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. XXXX  continues to report fraudulent accounts on my credit file.
There was a transfer of funds from my Chase checking account on XX/XX/2019 in the amount of {$1300.00} to an unknown person using quickpay with XXXX. I did not authorize this transaction and immediately filed a claim with Chase claims center on XX/XX/2019 upon seeing this transaction. The checking account was closed immediately and I was told the investigation would take 10 business days to complete. I have repeatedly contacted Chase claims dept. to ask for an update on my case and was told on XX/XX/2019 that no fraudulent activity was found. I asked the Chase representative for proof in writing that I had sent the funds using my devices and they could not provide that to me. My account was obviously compromised and funds stolen from my account. My wife nor I have ever authorized the disputed funds be transferred from our account to this unknown person. I have filed a police report with the local authorities. I am completely shocked that Chase can just state that they found no fraudulent activity and close the case even though I have stated that my account was compromised and that my wife nor I have never authorized the transaction or initiated the transaction! I have yet to receive any documents on the case or proof that I approved the transaction. Thank you for any help you can provide.
XXXX has caused me and my Family, Financial Distress and harm, XXXX, irreparable harm ( Loss of home is irreparable harm ( XXXX XXXX XXXX.v XXXX XXXX . XXXX. & XXXX XXXX XXXX XXXX ( XXXX Cir.XX/XX/XXXX : Civ Code 3387 ) by the following actions of Fraud, Deceit, Misrepresentation1 ) Unlawfully Foreclosed while transferring Loan to another servicer ( Dual Tracking violating CC2923.6 ) 2 ) I was denied a single point of contact violating CC2923.73 ) False Documentation Violating CC2924.174 ) Violating standing Requirements CC2924 ( a ) ( 6 ) 5 ) Violating FHA Loss Mitigation Rules ( 24CFR 203.500-681 ) Face to Face Meeting requirement6 ) Improper substitution of trustee ( XXXX v XXXX XXXX Cal.APP XXXX XXXX ( XX/XX/XXXX ) 7 ) ROBOSIGNING Violating CC2924.17 ( XXXX v. XXXX XXXX XXXX XXXX XXXX8 ) Backdating and Invalid assignments CC2924 ( a ) ( 6 ) 9 ) Falsely Stating XXXX was Lender, Investor, Beneficiary.
Over the last 12 months I have sent multiple letters to Transunion stating XXXX wrote off this account for company tax purchases. It should not still be on my credit report because XXXX took the tax credit once this account was written off. 

XXXX XXXX
The apartments XXXX is not a debt I owe. I payed all my rent on time every month and gave a 30 day notice before I moved. The manager of this apartment complex false fully put me into collections and never sent a proper notice to me of any debt or took me to court or even attempted too. She fraudulently abused her power of management to ding my credit with a false debt because her daughter and I had a falling out. I was a personal friend of XXXX the manager of the apartments and the daughter. So she had all ways of getting a hold of me with any debt she was putting onto my credit and did n't. I have proof of a proper notice as well as proof of the check that was written for rent. I did n't find out this was on my credit till 2014. I has already been removed from 2 other credit agencies as a debt that I do n't owe and that is n't mine do to her fraud.
When I opened up my account in 2014 never received the disclosures XXXX XXXX on XXXX XXXX I 've asked numerous times not to be contacted or advertisement to be mailed out
Dear Nationstar c/o CFPB, Nationstar Customer Relations Department XXXX XXXX XXXX XXXX TX XXXX XXXX : Nationstar Mortgage LLC ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and .. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my XXXX XXXX attorney ; the XXXX XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
I established a lease with XXXX XXXX. We wanted to set up ACH debit of the monthly lease payment. After a month and a half we got a collection call. I allowed them to take a payment over the phone for a fee. They promised to send out the paperwork to establish ACH, but it never arrived. Next month, same issue. This time the rep offered to call back in a couple days to set up ACH. No call. The process went on and on. I've tried multiple times to log into their online site, but it won't accept my credentials. I've never had this problem and I'm very familiar with how to use online banking and have several online sites I use regularly without problem. I'm currently sitting on hold for 21 minutes trying to speak to someone at their lease department. I'm very frustrated at their lack of help, but eagerness to charge me a fee to accept my payment.
I received a letter from TRANSWORLD SYSTEMS INC. trying to collect for XXXX. I was in a clinical trial at XXXX, which caused me to be XXXX. XXXX assured us we would not receive any bills. When logging onto TRANSWORLD SYSTEMS INC., after going through the registration process, it states that they no longer service in the state of California, and they provide an " XXXX '' number. I find this discriminatory towards deaf people since I ca n't call. I also find the process of disputing the complaint convoluted., since it refers you to the FTC website, which refers you to this Consumers Finance website.
After pulling all 3 of my credit reports, I 've notice a collection debt from RENTDEBT AUTOMATED COL SO CALLED ACCT. # XXXX, ( THE XXXX ARE INVALID MY CREDIT REPORTING STANDARDS ALONE ) ,XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the RENTDEBT has reported and it is not mine. I request that RENTDEBT REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED AND UPDATE NO PAYMENT ON YOUR REPORTS!
I purchased a car and used America Honda Finance to finance the car. I had made all of my car payments on time when I had a catastrophic accident in where my car was totaled. My insurance company paid America Honda Finance the balance owed on the car at the time of the accident in where the insurance company totaled out my car. I then got a collection letter from a third party notifying me that my account with America Honda Finance was delinquent and I needed to make payment arrangements on said account. Once I was notified of this I contacted America Honda Finance to have this issue addressed and to verify they had received payment of the balance owed from my insurance company at which time they confirmed they had. Once this was done I was told that I would have no more issues. I recently checked my credit report and found this not to be the case at which point I sent letters to each perspective bureau and one to America Honda Finance. After 45 days America Honda Finance hadn't responded to this issue and the two credit bureaus stated their investigation showed as completed and that I indeed owed the amount in which was reflected on my credit reports which is simply untrue. I am looking for your assistance in this matter. I have attached all the necessary items needed to clarify this most important of situations.
I sent letters out on XXXX/XXXX/XXXX regarding a bankruptcy that was reported on my credit file. On XXXX/XXXX/XXXX, I received a letter back stated that this information was verified and remained on my credit report. I have yet to receive any verification of this public record that still stands on my credit report.
On XX/XX/XXXX I contacted XXXX XXXX services, XXXX, left a msg, and XXXX called back-XXXX. I explained that I wanted to get a loan for a manufactured single wide home w/ land in a park, in AZ XXXX He stated that they only had VA and FHA loans. So we talked about FHA. He informed me that I would have to pay PMI on this loan, and no matter how much I put down, even 50 %, I would still have to pay it FOREVER! I said there there must be a time frame that this drops off, and he said no. Is this legal? I have owned 7 homes, and because of my wonderful credit history, I have never had to pay escrow or pay PMI. 
Same time frame, I had also been told by another company, XXXX XXXX, a mortgage broker in AZ, that I HAD TO USE a broker cause no lender works with buyers in AZ w/o a broker. They told me that they only used XXXX and XXXX XXXX for lenders. Sounds very crooked to me. 
Can you get some answers for me?
The name used is A RA FINANCIAL but when you answer they hang up. When I did a reverse number search, the complaints submitted were troubling. I will put the number on my block list but even the complaints have said this company gets around that, XXXX person even stated that they had her husband 's SS #. I 've had identity thief issues in the past and now I worried that this may happen again. It took me along time to get those issues resolved, I ca n't afford another situation like this.
I recently setup an automatic payment on my American Express credit card to pay the statement balance on the due date. Previously I had been paying this account using the mobile app. With the payment due date approaching I logged in to my mobile app and made a payment for the statement balance. There was no indication that an auto payment was already established and the credit card company accepted my duplicate payment. I was made aware of the duplicate payment when it was debited from my bank account twice on the day after the due date causing my bank account to overdraft. Luckily I was able to cover the overdraft while the payment was still pnding. I called to get the duplicate payment reversed and they said they would have to send me a check in the mail that would arrive in 7-10 business days.
I am a victim of identity thief and am not the person responsible for this. I have called the company to have it removed with no good result. I am currently fighting another identity theft of my name. Pleas remove this from my credit report as it is not correct.
I called the company XXXX XXXX to inquire about payments on XXXX XXXX, and was told erroneously that I was current, because the employee misread some refund escrow check and took it for a payment. 
I am on autopay for my XXXX payments from my XXXX XXXX checking account to my XXXX XXXX  mortgage account Missed the XXXX XXXX payment, and that cancelled the autopayment against my will I did not realize it, so I missed XXXX more payments When I realized it I made the payment for the XXXX missed payments on XXXX, but my XXXX XXXX had already been affected. 

my account is now current
Our home mortgage was sold by XXXX XXXX to a company called Specialized Loan Servicing LLC on XX/XX/2018. To date we have not received any information or paperwork from Specialized Loan Servicing. Today is XX/XX/2018. Nor has any payment information been sent to us from SLS. I have called to set up payments and SLS will not even speak with me regarding this note which I have authorization to speak on.When I call SLS the call is picked up in a call center in which a person can hear many conversations going on in the background. In this day and age no person wants to speak about their home mortgage in such an atmosphere. I wis to know where I stand legally before we are called late with our payment.
i owe this finance company and I have never told them I will not pay, its just my financial situation is not very good and have not been able to pay them and they keep harassing me to my work and calling me from different numbers leaving messages without identifying who they are. they have also threatened to come to my job
I have business secured line of credit with Wells Fargo and had nothing but trouble with the card since XXXX. The representative assigned to my business loan account did not properly process my request and the APR increased from XXXX percent to XXXX percent. Since XXXX XXXX, I have called over 10 tens to get this issue resolved. I was verbally informed that my APR decreased ; however, I was never provided any paperwork. I called the executive office over 5 times to get paperwork resent. Also, contacted person from the complaint team and he did not respond to my calls in over two months. I called in to make payments and submit address change. I have not received any statement since XXXX XXXX advising me of my business account. Two weeks ago, I was informed that my APR was XXXX percent due to lack of payments. I called in and mailed payments to Wells Fargo. Well Fargo is engaging in predatory credit card practices. The Executive Office has failed to realize that my calls have gone answered and I am not receiving my statement. This is bank error as no representatives will contact me to let me know of my account status change since XXXX XXXX. My credit has been adversely affected and I have a predatory loan rate.
I received an offe r for a Marriott Rewards Premier  Credit Card from Chase in  XXXX   XXXX . The offer was for a {$200.00} gift card and  XXXX  bonus points after spending {$3000.00} in the first 3 months after opening. I requested the card and met the spending amount within the specified time frame. I received the  XXXX  points as promised, but in looking back at the records, I realized I had never received the {$200.00} gift card.     I called  Chase  on  XXXX / XXXX / XXXX . A person named  XXXX  said that yes, I should have received the gift card. He said that the  Marketing Dept.  would review the offer and to watch for a letter withi n 2 weeks. I   receive a letter dated  XXXX / XXXX / XXXX  ( see attached ) that stated " Upon review we 'd like to inform you there is no offer on the account to receive the {$200.00} gift card. '' I called back to reiterate that I had the original offer in hand, and to ask for the address or fax number to send my written request. On    XXXX   XXXX  ,   I faxed a letter and a copy of the original offer that clearly states the promotional offer in at lea st 5  places on the mailing piece. I then received a letter dated    XXXX   XXXX   XXXX    that says " Update : We are n't matching the promotional bonus offer '' and " we 're sorry, but we wo n't match the promotional bonus offer you asked about. '' There is no reason provided.     This is a clear case of false advertising which benefits Chase. I 've used the card almost exclusively for my purchases, and now I am paying an {$85.00} annual fee. This complaint is to hold Chase accountable and to hold up its end of the agreement. Thank you for your help.
To XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of  FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX  Equifax XXXX Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Over the past couple months Chase repeatedly contacted my father about the supposed debt I owe. My father contacted me and asked why Chase was trying to get him to pay the bill when my Chase account was never linked to my fathers. He did have an account with Chase but he closed it, in good standing, years ago.