WillisBack/dataset-financial-user-claim huggingface dataset:
on around XX/XX/2018 I received a call at work from bank of america telling me that someone wired money out of my credit card into a checking account in my name. I told them it wasn't me and I don't have a checking account with bank of america.the amount was approximately 2,400 dollars. well they did their so called investigation and denied it. next I sent them all the information I had. I included cards from the credit agencies proving I put a watch on my accounts. I sent them a letter from the IRS because I had contacted them in regards to someone filing for my income tax refund. The letter said they found no fraudulent activity. I sent them a letter from the post office stating that at the same time someone was trying to change my address to a place in Illinois and I reside in Pennsylvania. I gave them the address the Post Office gave me that they were trying to change my address to. i filed a police report, told them the officer I talked to and the incident report number.I faxed all of this stuff to them and today I got it looks like the same form letter denying the claim its like they never even looked at the stuff.I understand they don't like people like me that pay off there credit card bills every month. I have this card for 15 years me and my wife do.they left someone open a checking account in my name and they are blaming me. please help they are not interested in the truth.
i have credit card with XXXX XXXX all ready so some one else use my identity applying for credit card to XXXX XXXX about 3 or 4 times so i all ready have credit card with them ther is no reson to applying again and again so the report i find out on my credit report is not mine this report i find out on EQUIFAX CREDIT REPORT
My account was closed due to one monthly bill payment that didn't clear my bank. I have made many on time payments and I do not understand what happened. No one can explain the situation and how a creditor can do this. Please advise. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX-XXXX
There are 32 collection accounts on my credit report with Equifax that I have disputed. I am not aware nor do I have a contract with these credit collection agencies. I disputed the accounts with XXXX XXXX and XXXX who removed the fraudulent accounts but Equifax verified electronically in one day the information was updated. These collectors did not validate the accounts with me nor sent any proof so what did they send Equifax besides a form checked off saying the account is mine. Equifax isn't valdiating these accounts. I disputed twice XXXX and XXXX.
I applied for a Home Equity loan from Discover Bank. They took 2 months to process my request and refused to do an actual appraisal on my home, thereby lowering the amount of the loan, raising the LTV, and raising the APR since their rate is based on LTV and loan amount. I was forced to go to another lender to get an accurate appraisal so that my loan application was processed correctly. The other lender appraised my home for {$55000.00} more than Discover who refused to use anything but county records to determine the appraised value. This difference allowed me to obtain the full amount of the requested loan that I asked for at less than XXXX % LTV where discover reduced the amount available to me and said I was at a XXXX % LTV even with the lowered loan amount. I want the loan inquiry removed from my and my husbands credit since they refused to acquire accurate information to process my application and this additional inquiry is dropping my FICO scores.
I have a Foreclosure Lawsuit pending under Mortgage Fraud against Lakeview Loan Servicing LLC., in which is not a licensed Mortgage Company and had their partnership Company known as XXXX  XXXX XXXX to write an Fraudulent Mortgage Agreement/Contract under XXXX XXXX, in which now XXXX XXXX  is now stating that their Company never wrote the so called Mortgage Contract in which these Documents are being Subpoena. Lakeview Loan Servicing LLC. is a scam company and this has to be investigated. I have the evidence to prove this, not only in Court, but with your Bureau as well. Case No. : XXXX is the case number and please contact me at XXXX to talk to me so we can get this investigation started. I can provide your Bureau as much information as you need from Subpoenas to Court Exhibits. 
Please call me. 

Thank you, XXXX XXXX
Multiple credit inquiries on the report that were not authorized XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX
On XX/XX/2018 I logged into my account, looked at the ready to pay off this loan amount for online repayment, and chose the specify for each loan option and chose this loan to pay off the full balance of {$12000.00}. I went onto the account about a week later and noticed they distributed the payments between two loans and did not pay off the full balance of the one loan I specified. They applied {$3600.00} to this loan leaving me with almost a {$9000.00} on this consolidated subsidized loan and applied the remainder to the larger loan. This made it so my payments didnt decrease, I still have balances on both loans with a 6.25 % interest rate. The point of me paying it off was to decrease my debt and start to make a dent in my over {$80000.00} in student loan debt. When I called to complain they told me it was the department of education that redistributed the loan and that I couldnt do anything about it. I am never going to get these loans paid off if I cant take one loan at a time to pay off. These loans show two separate pay off amounts, I make two separate payments each month on them that get applied just fine. I wasnt behind on any of the payments and had made the payment for that month to the other loan already. They used my money how they wanted even though I specified where the money was to go and they had the option online to specify where the money is to go. Also, the full repayment amount for each loan is not showing as one lump sum, it is showing for each loan by itself. And although it let me specify which loan I paid at the time of each payment ( even standard monthly payments ), when you look at all the payments it doesnt specify which loan was chosen in the pending and past payment history. It is deceitful and completely unethical.
USAA Says someone opened an account using my information. They accepted the fraud claim, and all liabilities have been lifted. However I since no fault of my own, am unable to open an account there.
I have disputed XXXX Acct XXXX numerous times. I have explained that the account information and details are inaccurate and should be removed and deleted. I have written XXXX XXXX XXXX XXXX XXXX, SD XXXX and they continue to tell me they have no documents to prove the facts of this account. ( payment history- account billing ). XXXX continues to state they have verification to the facts of this account but will not provide them, yet they continue to report inaccurate account information. I have requested this account information be removed as it can not be proved by the company or Transunion
I have a XXXX XXXX Rewards Card and contacted Chase to file a claim due to an illness and our inability to make it to an event we purchased tickets for. I was transferred to XXXX XXXX services and was told that they could not honor this as my card didn't have this benefit associated with it. 

I pointed them to : XXXX XXXX XXXX   where the benefit reads " If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to {$5000.00} per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels. * '' They said this was an error and my card was not eligible. I contacted Chase as they had mentioned that if I was not successful in filing this claim via XXXX XXXX, that they could dispute the charge. I attempted to do this on XX/XX/19 and was told I could not file the claim. 

Both Chase and XXXX XXXX have misrepresented the benefits of this card to their cardholders. I promptly closed my account with them this morning. 

Thanks,
I have applied to CitiMortgage for a loan modification. My loan is an adjustable that was interest only and the home is underwater. The reset and fully amortized payment is more than double the present payment. I applied for a modification with CitiMortgage and was granted a trial period plan with a payment 50 % higher than the present payment. In the Trial Period Plan Notice on page 5 it states the calculation of the new monthly payment is based on 31 % of my earnings but it is over 40 %. When I called CitiMortgage after I received the Trial Period Plan Notice on XX/XX/XXXX I talked to my account specialist XXXX and he said he would escalate to the Executive Response Team and they would contact me and on XX/XX/XXXX XXXX XXXX from CitiMortgage contacted me. When I related to him that the math did n't add up he said they do n't make any changes and I would have to reapply. He said he would email the modification application that day. I never received it. On XX/XX/XXXX I emailed and requested again-no reply. I scheduled a phone call with XXXX XXXX on XXXX XXXX and he said he would email me the package. I did finally received the email and on XX/XX/XXXX I emailed back all the requested items. I had not heard back and I grew concerned and I began emailing XXXX XXXX for status. No reply. I scheduled a call with another person from the Executive Reposnse Team and I was a ssigned to XXXX XXXX who explained that XXXX XXXX was having trouble with his emails-4 weeks? - and this file was now assigned to her. She said that nothing was done on my application that was submitted on XX/XX/XXXX. It was received but XXXX XXXX did not submit it. XXXX XXXX was not encouraging but I requested that my application be looked at-this is n't right. I 'm getting the runaround. Everything that has been requested from me has been delivered on time. XXXX XXXX sent me via email another application for a modification on XX/XX/XXXX. I sent it back immediately to XXXX XXXX and to the CitiMortgage website and to CitiMortgage email address. I emailed XXXX XXXX for a confirmation of recipt of my email but have received no reply. I am concerned that my application is not being reviewed.
I have stuff on my credit report that does not belong to me, I go by XXXX not XXXX. I want the stuff removed that is listed for XXXX. with experian
I am filing this complaint for because XXXX has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. XXXX  confirmation # XXXX, Transunion file case # XXXX, and XXXX confirmation # XXXX Under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.
Nationstar acting as the Servicer of this mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of HBOR law is based on Nationstar Mortgage improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times and i never get a single person to answer my questions honestly or directly. They always have hundreds of people pass of the file amongst each other just to create motion and delays. i intend to keep my home and i meet all eligibility criteria. they have never offered any help or relief and continue to threaten to take my home. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX\ XXXX XXXX to illegally start foreclosure on my property. The Nationstar Mortgage and know your options website gave the result that i am eligible for a loan modification with a lower payment to save my property. So there is no reason why Nationstar should have denied my request or started foreclosure on my home.
On XX/XX/XXXX, I authorized a PayPal purchase from XXXX XXXX in the amount of {$86.00}. Previously learning from a PayPal representative that I must manually go into my account to switch the payment method from my checking account BACK to my preferred method of PayPal Credit, I did so, so the purchase would post to PayPal credit. When I checked my bank account, PayPal had deducted the purchase from my CHECKING. Upon calling PayPal because I knew I manually switched the payment method to the credit option, the representative confirmed that I did go in and change it, but PayPal switched it back because, basically, THEY wanted to. PayPal negated my choice and just took money out of my checking account without the authorization from me for this purchase. This is the SECOND time they have changed my payment method without my consent.
My husband and I applied for a loan modification XX/XX/XXXX. The modification was unreasonably delayed without cause. It was not until I involved the CFPB that the modification finally went through XX/XX/XXXX. XX/XX/XXXX, I received a letter from my lender, Chase Bank regarding my modified home mortage loan # XXXX informing me that following my modification issued on XX/XX/XXXX, they had OVERCHARGED interest at the inception of the loan in the amount of {$1500.00}. The letter went on to explain that Chase unilaterally decided to apply this overpayment to the principal and that they will report this amount as reimbursed interest ( i.e. as INCOME XXXX in XXXX XXXX of my XX/XX/XXXX IRS Form XXXX. I have written them multiple times to object to this. I would like to have the money refunded so that I have money available to pay the TAXES NOW DUE on this " reimbursement ''. XX/XX/XXXX, my total income was {$49.00} and I owed ZERO dollars in Federal Income tax. Their failure to properly calculate the interest due on my modification will result in additional tax to me XX/XX/XXXX in the amount of approximately {$540.00}. XX/XX/XXXX, my income tax rate will be at 35 %. But I do not have the MONEY to pay the increased taxes that will be due on this alleged " income '' because they have unilaterally decided not to refund the overpayment and instead apply it to the principal balance. 
So XX/XX/XXXX, they overcharged me interest in the amount of {$1500.00}. I could have really USED that extra cash XX/XX/XXXX when my income was so low. NOW, three years later they " discover '' the error and instead of refunding the overpayment to me, they use the money to benefit THEIR portfolio. That cash has been available for THEIR use for 3 years already, and now they get it to do what THEY want to do with it. I need this money to PAY THE TAXES NOW DUE on it. Taxes that would NEVER have been due had they properly calculate my loan interest XX/XX/XXXX when the modification went through. I did not NEED the mortgage interest deduction XX/XX/XXXX, so there was no corresponding benefit of a deduction on my XX/XX/XXXX return. 
I have TWICE requested in writing that Chase refund the overpaid interest so that I have dollars available to pay the taxes due on the money. These letters resulted in over a dozen phone calls and " status '' letters between Chase and I. I spoke with several representatives at Chase and have those names and phone numbers available if needed, along with notes from the phone calls. ( Note the status letters provided ZERO information and just said they were still working on my request ). This money was NEVER OWED to Chase and is NOT OWED NOW. It was an OVERCHARGE and the money should have been refunded. They demanded payment of money that was not due and have refused to refund it despite my multiple requests. I have attached copies of the substantive correspondence between Chase Bank and I, in which Chase refused to refund the overpayment.
I applied for a new line of credit with Chase Freedom for the sole purpose of transferring the balances from three other accounts. Chase only approved one, but decided not to tell me this fact until I received it in a letter in the mail. They chose one account, but I'd rather it be from another account. The letter was dated XX/XX/XXXX, but was not received until XX/XX/XXXX. In the letter, there is an option to update or cancel balance transfers ( which is exactly what I want to do ) before XX/XX/XXXX, which is utterly impossible to do, so I called customer service call center for Chase, XXXX. According to the rude woman, I she can do nothing, even though I was not given this notice until XX/XX/XXXX. She couldn't have cared less and would not help me, which I found rude and frustrating. Why should I be penalized for slow mail? I asked for a supervisor- even though she was told about the situation, still managed to ask, how can I help you- she was even less willing to help than the regular rep. Frustration grew because I was talking to a wall- she was non-empathetic and did not care to help, so I requested someone else to talk to, someone who is more willing to do their job and help the customer. I then received a message stating that my number is now blocked from calling Chase, I am no longer allowed to call in, and that I must e-mail moving forward. Why am I being penalized for their mistakes? Help the customer! This is not a good beginning for a customer. Chase is too big to care.
In early XXXX, I submitted a complaint to CFPB regarding the refusal of Nationstar Mortgage to make a good-faith effort to modify my home equity mortgage, which carries an interest rate of 6.5 percent. Nationstar 's response is to stonewall and conduct a sham process apparently designed to give the CFPB the impression that the company is being responsive. In fact, just the opposite is the case. On XXXX XXXX, 2016, I received a form letter from Nationstar dated XXXX XXXX, 2016 asking me to submit the detailed application for a loan modification. Even though I had previously completed such an application months earlier, I completed the application again and mailed it in the postage-paid envelope that Nationstar provided. I 'm quite confident it arrived at Nationstar by the stated deadline of XXXX/XXXX/16. 
On Monday, XXXX/XXXX/16, I received another copy of the same letter and packet, this time stamped " Final Request. '' The letter was dated XXXX/XXXX/16, and stated the deadline to complete the application and have it received by Nationstar is XXXX/XXXX/16. In fact, the process is a sham to conceal Nationstar 's refusal to make a good faith effort to modify my mortgage and likely many, many others. I have attached copies of the XXXX letters and a copy of Nationstar 's acknowledgement of the previous CFPB complaint that I submitted. It appears that Nationstar has found it can mollify the CFPB with the appearance of responsiveness, but with no substance or truth behind the facade.
I have a Mortgage with WJ Bradley mortgage company. Everything was fine until they switched to a new company to process their payments. Every since the change I have had nothing but problems. They are rude on the phone, they do not keep accurate records, they say they there is no record of talking to us etc. The big problem is they do not process my auto payment so they can charge late fee 's. I work out of the country and every one of my bills is paid on time with automatic payments. They are ether incompetent or thieves or both.
Without explanation or legal authority, FedLoan recently increased by monthly payments by more than {$1100.00} per month. Upon information and belief, FedLoan is doing so in order to retaliate against me for reporting its unlawful practices to members of Congress and the CFPB.
On XX/XX/2016, I was given the go ahead to buyout my rental lease and was given the information that I must pay approximately {$2300.00} and be out by the end of XX/XX/2016. I paid that total and still had a {$1000.00} deposit to apply to any damages. When we left we took pictures and there was nothing wrong with the house, but then they put on our credit report that we owe over {$1600.00}. They send a detail statement that says we owe for painting a house that we have been there for over 2.5 years and the original company was brought out by two other companies and no one came to do a walk through from previous XXXX. I have tried numerous times to rectify with current company, but they have sold to a third party and they have no idea the situation.
In  XXXX   XXXX , Frontline Financial , LLC pre-qualified me for an FHA loan. I had previously spoken to another mortgage broker who told me I would be unable to use rental income from my current condominium, but  XXXX   XXXX  assured me that they would be able to include this. I asked him to check on this, and was under the impression that this had been done.  <P/> When I found a house in  XXXX   XXXX , Frontline Financial , LLC provided a pre-approval letter to accompany my offer. My offer was accepted, and a closing date was set for  XXXX / XXXX / XXXX . During the period from  XXXX  through  XXXX / XXXX / XXXX , I continued the buying process, obtaining the appraisal and an inspection, as well as an insurance quote and home warranty, all while receiving updated loan documents from Frontline Financial , LLC with every new piece of verified information, and the assurance that all was fine, and we should be able to close by the scheduled date.  <P/> My deadline for withdrawing from the contract was  XXXX  days prior to closing, as clearly stated in my contract, which Frontline Financial , LLC had been provided a copy of when the offer was accepted. However, it was not until the day of closing -   XXXX   that Frontline Financial , LLC verified whether or not I actually met all requirements the FHA loan. At this time, they found that in order to use the rental income from the home one is moving out of, one must move at least  XXXX  miles. The new property is only  XXXX  miles from my current home. With this information, they denied my application for a loan. Clearly as a lender, they should know all requirements for the loans they propose to clients, and not wait until last minute to check if there are any changes. Their error in this instance caused me not only to lose the property, but also portions of my deposit, in addition to spending unnecessary monies on an inspection and appraisal of a property I could not afford without an FHA loan.   I notified Frontline Financial , LLC of my loss of portions of the deposit due to their error, and have requested reimbursement of the funds lost ; however, they have chosen to not take any responsibility, and is now stating their decision was based on my credit, which they clearly should have been aware of before presenting me with a loan offer and a pre-approval letter.   I find this to be such gross negligence on their part, and want to ensure they do not repeat this process with other potential buyers.
An fraudulent account was opened with Synchrony in my name - I did not open this account.
I sent a request for debt validation back in 2015. I asked them to only communicate with me by mail. Since then i have not received notice by mail of the information. The only information I have had for them up til now is the address that is on my credit report which must be inaccurate because the letters have come back as returned, or not answered at all. How is legal for them to list a host of inaccuracies on my credit report up to and then not validate/ verify their debt and that they have a legal right to collect it. How do i know that if i were to pay this it wouldnt just get returned as my requests for relief and further information have or that it wont just be sold to another debt collector who will do the same things they have further tarnishing my credit.