WillisBack/dataset-financial-user-claim huggingface dataset:
In the beginning Quicken Loans made my husband move out of state and actively be working in the state we were going to buy in. We were given a closure date and when we were XXXX hours from home they pulled the date stating they could n't verify his employment and leaving us homeless. They are now claiming this didnt happen. Even though I have proof. They refused to give us a copy of escrow, and my husband did work there. all because they didnt update their systems. They lost tons of our documents. ( more info on request ) Then we asked to refinance I asked them not to call my work. They called my work and due to the company I worked for I XXXX. When they sent a appraiser he was an hour late. He compared our two story house to single story homes. The appraiser moved our house on a map. He moved it to the bad side of town. QL loans said they cant help me even though its the company they pick and use for 80 % of their apparels.I had to file a report and have him convicted with the appraisal board. We were forced to file bankruptcy. My attorney had to threaten them three times to restart sending statements ( more info upon request ) Several times over the years we just randomly stop getting statements. This went on for 6 month over the last year. They are misappropriating funds over this last year. It was explained to them multiple times that all extra moneys be sent to principle. We set this up years ago. They changed my loan without notification to prepaid. All extra money on accidental over payment have been payed to the next bill. We have been fighting this for the last year. XXXX XXXX is the only one that will deal with our accounts. Our number are all directed to her VM only. She hasnt helped us in the last year. Im having to call monthly-ish to fix our stuff. She out right refused to help us in XXXX. The extra money should have gone to the principle, but it went to the next payment. She stated she didnt know what to reverse so either they reverse something and we occur a late fee or we leave it and we " lose the money ''. Speaking with her has caused me to get severe hives. I have file endless complaints and they all seem to go to her. She never at fault, but they wont fix our issue. ( more info upon request ) This is the only thing my husband and I argue about. They are ruining our lives. I have tons of proof to the horrors of the last several years. Ive filed complains to QL and XXXX. 
It seems QL is to big and no one will help us.
I was making a transaction on XXXX using my bank of america debit card and the transaction never went through. Moreover, they sent me a text message saying there is an unusual activity and asked me to confirm if it was me making the transaction. I sent a reply back saying yes and also called them and informed the same. Regardless of all this, the next message from them is that the card has been blocked! 
When i called them again, they put me on hold for 33 min searching for questions to ask about authentication. Finally, they dont even ask the questions but simply ask me to walk in to a bank of america center with my ID proofs. I live in XXXX in Minnesota and there is no bank of america in a XXXX mile radius! I tried talking to the supervisor but she has been arrogant enough to even accept that there has been so much trouble caused and in return was rude enough to say thats how the organization works!! 
Now i just need to travel a XXXX miles for just trying to purchase something online.!!
I received a new Walmart Mastercard in the mail that I did n't sign-up for. I called Walmart MasterCard Synchrony Bank fraud department and they had my social security number and address. I have never owned a MasterCard or had a Walmart card of any sort. Someone opened the card on XX/XX/XXXX and purchased something for {$700.00} ( plus ) on XX/XX/XXXX. Walmart Mastercard Synchrony Bank could not tell me who opened the card or where the card was opened, however they asked if we had an Amazon credit card. We do not, but we do purchase through Amazon and they have had our credit card numbers. That was done on Sunday, XX/XX/2017 and today ( XX/XX/XXXX ) I had the XXXX County sheriff over to file a fraud report.
So I am applying for a loan and basically was approved for it but now the loan company is telling me that I need to pay off my outstanding credit card debts ( even thou I was approved for the loan already with my XXXX credit score ). I told them how if I received a XXXX form and had to claim it on my taxes. So I called the creditors and they told me that I could not make payments on it anymore because it now has become a " cancellation of debt '' and they are all non collective accounts. The loan company response was if its on my credit report they have to go off that. The Credit card companies are refusing my payments and because of this I am unable to get this loan. How can I resolve this please?
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX,
Due to Experian 's lack of security and lack of preventative measures my personal data including my address and Social Security number were stolen by hackers. Now my identity is out in the open and the high credit score that I have worked so hard for these past 12 years is no longer safe or in my control. Experian has the audacity to offer me fraud " protection '' from a company which they are the parent of. What makes them think I will trust them with my social security number again? They must be brought to justice on a greater scale than just a class action law suit. They must be made an example of the way that XXXX was in the oil spill with XXXX dollars in fines. As consumers we confide in corporations by providing our personal information, it is their duty to protect that information. This has become a recurring theme where data breaches lead to slaps on the wrist. They continue happening because the punishment does not get the attention of those in power. The US financial system will suffer severely if this does not come to an end. The criminals who are stealing this information know this very well and this is their intent. Attacks on our country are n't always as evident as traditional warfare but are just as serious.
I opened a CD at bank for my mother, XXXX XXXX XXXX, in which I was POA. I was told at the time by bank that I could not have a POD with a POA. In essence all this is the banks fault for not telling me what would happen with no POD listed on the CD originally.

My mother, passed away on XX/XX/XXXX, and I have been taking care of her estate since she nominated me as her executor/and only survivor in her Trust and a Will that is part of her Trust.

I notified bank and reported her death and mailed what I considered to be the banks requested documents : her death certificate ( original ) ; notarized paper stating that I am ( from XX/XX/XXXX ) making myself successor executor of her Trust due to declining health matters that she was experiencing ; and my ID.

XXXX XXXX letter dated XX/XX/XXXX, states that they had received documents and that there was one last step to closing account and that was an Estate Distribution form that was signed by me and notarized and returned to bank.

I received another letter from Bank dated XX/XX/XXXX asking for the original documents that they acknowledged to having already received. I telephoned bank and their phone rep was no help in this matter. He stated that bank now wants a Letter of Testamentary.

I then mailed a cover letter with parts of her Trust relating to successor Trustees and her complete Will stating that I am the Executor and only survivor and noted beneficiary within. I have never heard from bank at anytime during these months of trying to close out account, other than the 3 letters wanted documentation or asking for a notarized signature to disburse funds.

I e-mailed the CEO of XXXX XXXX  located I believe in Utah. In turn, I get a phone call from a problem solver with bank which was just another telephone rep reiterating the need for a Letter of Testamentary which is a court document. I have explained over and over to bank that this Trust and Will is not going to probate but they just dont get it.

I am a senior citizen myself and reside in South Carolina. My mother resided in Nebraska and passed away there also. If bank wanted this document originally they sure didnt ask for it. This coming back again and again asking for things dragging out a customer request is not fair business practice.
I filed a complaint and police report with the XXXX XXXX XXXX   County Police Department regarding identity theft. I filed Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX in XX/XX/XXXX and XX/XX/XXXX. Im regularly contacted by odd telephone numbers requesting my personal identifying information. 

Please remove this collection item because its a result of identity theft and fraud. 

According to the alerts on my credit this company has added a new address to my credit report. Please remove the address that you included on my reports because it is also a result of fraud. I filed a complaint and police report with the XXXX XXXX XXXX County Police Department regarding identity theft.
Despite the merchants on printed words online and there own quote of the debt this sleepy debt company is trying to collect an amount not owed and as usual jack the price up 300 percent from what the merchant first falsely claimed. How long will we let this company go on Interpreting their own version of medical paperwork and practicing law without a license. This shady business continues to change his name in order to avoid the compile complaints were doing the same thing, extortion
I was trying to co-sign on a loan with my son. The bank loan officer said my credit was bad because of a debt collection from The Rose Agency. The debt was apparently from XXXX XXXX. When I call XXXX XXXX they have no account for me. When I call The Rose Agency they say they have tried to get confirmation from XXXX XXXX XXXX times. No one answers their requests. Neither company will do anything to take care of the matter. The Rose Agency person hung up the phone on me. My husbands account was absolved and that is the only communication that I have. No bills from either company. I finally got some information from the Rose Agency but XXXX XXXX did n't have any information. The Rose Agency says I have a bill from XX/XX/2011 and that I had XXXX Service for 3 months with an early termination. Also they say no payment was ever made. After five phone calls they gave me more information. An account number, a telephone number that I had at that time, which was XXXX and an amount owed of {$500.00}. XXXX could not find any of this information. Why does The Rose Agency have this information and not XXXX XXXX?
None of the XXXX major credit reporting bureaus have my employment information since 2012 and some do n't have my correct and legal name from my legal social security card which is XXXX XXXX XXXX not XXXX XXXX XXXX
I have reviewed my credit report and it looks as if I have alot of credit injuries that do not belong to me. I even have some that show up on more than once and on multiple dates. I 'm unaware of these injuries. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to TransUnion, which was delivered at  XXXX   XXXX  on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  , TransUnion sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any informa tion can be disputed and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a struggle. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency.
After having a substantial relationship wit h Chase, I g ot a notice they have decided to close my account and gave me no reason whatsoever. I ha d one iss ue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business   accounts and personal accounts.
JP Morgan Private cli  ent wanted me to open an account with them and put a portfolio together for me, reviewed my financials and tax returns and everything and then were told   by Chase that they were not able to open account.
I am an ideal client and maintain substanti  al balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business
XXXX 2014 I ran my credit at my bank and had accounts listed that were not mines so the banker told me it was identity theft she advised me to call the police department so I did and spoke to an officer we went over all accounts he told me to wait a few days and come to police station to pick up a police report with all accounts listed and submit a copy to each credit bureau so I did but nothing happen so at this point I 'm trying to restore my good name and credit I need these accounts removed from my credit.
Multiple phone calls per day from Penn Credit regarding ex husband who has not lived here for more than a decade. Refuses to leave a message on the answering machine. Has been told previously ( on several occasions ) that this person does not live here and we do not have a way of contacting him and we have no responsibility for his debts.
Received a credit alert regarding an inquiry on XX/XX/2018 from Chase Card. I did not apply for a credit card or no other type card, I only attempted set up XXXX with XXXX.

The transaction was unsuccessful because the recipient who has XXXX does not offer XXXX   through XXXX only XXXX.
Hello, I am the Sole and only beneficiary of an XX/XX/XXXX irrevocable court crated trust for an incapacitated minor, created with funds awarded from settlement / finial judgment in Case XXXX in the XXXX Judicial XXXX XXXX XXXX XXXX XXXX XXXX Texas in XX/XX/XXXX. 

In XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXX/ Bank of America was court appointed sole trustee of a court crated incapacitated minor irrevocable trust. XXXX XXXX/ Bank of America Sole Trustee received specific trust investment options ( stocks, annuities, mutual funds etc ) to invest irrevocable trust funds. XXXX XXXX Bank of America used trust funds to secure XXXX XXXX Bank of America Life Insurance Policies as trust assets in XX/XX/XXXX. 

In XX/XX/XXXX XXXX XXXX/ Bank of America started placing loans against the irrevocable trust/ trust asset ( s ) to send care distributions for the incapacitated minors care, not sending care distributions from trusts net income and principal per the trust terms/ trust distributions guidelines. 

More than XXXX years later ( XXXX years ) XXXX XXXX Bank of America sales the irrevocable trust asset ( s ) belonging to the incapacitated minor to XXXX XXXX XXXX XXXX XXXX , with current debt on the asset ( s ). In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX communicates to the sole and only beneficiary of the trust / trust asset ( s ) that he has ordinary income of {$690000.00} to be reported in XX/XX/XXXX to the IRS, which is the loans and loan interest placed on the irrevocable trust starting in XX/XX/XXXX. 

* Irrevocable court crated trust for incapacitated minor with specific distribution terms, from net income and principal ( if income is insufficient ) were violated/ not followed by Sole Trustee- XXXX XXXX Bank of America . 
* The use of loans is/ was not authorized within the irrevocable court crated trust for incapacitated minor, by beneficiary or trustee. 
*Texas Property Code 142.005, which the irrevocable trust was created under specifically voids out trustee lending beneficiary property/ funds from the irrevocable court created trust. 
*Trust asset ( s ) and all income should have been paid-out to the beneficiary free of the irrevocable trust upon termination in XX/XX/XXXX. 
*Assets were sold to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX Bank of America around XX/XX/XXXX according to an employee with XXXX XXXX XXXX XXXX XXXX XXXX 

The above information has been communicated to XXXX XXXX Bank of America for a resolution. Current day only letters of acknowledgment have been sent stating more research is required to address the identified trust matter.
Dear XXXX XXXX and CFPB representatives, I am writing this letter to inform you of the wrongful foreclosure that is occurring on my mortgage loan and to formally request that Nationstar Mortgage remove the foreclosure sale date presently on my mortgage loan against my family home/property scheduled for XXXX XXXX, 2016, to allow for a complete RMA review. As of XXXX XXXX, 2016, I submitted a compete request for mortgage assistance ( RMA ) per multiple account representatives at Nationstar Mortgage to include XXXX XXXX and XXXX ( XXXX XXXX on XXXX XXXX, 2016, and XXXX - Agent ID # XXXX on XXXX XXXX, 2016 ). 

I have every intention of retaining my home and have already submitted a complete Request for Mortgage Assistance ( RMA ) as of today in an effort to restructure my mortgage debt to retain my home. The only document that had been missing from my RMA was a current dated MHA HAMP RMA ( only requested 12 days ago on XXXX/XXXX/16 ), which has already been submitted to Nationstar Mortgage and is attached for confirmation. This document was delayed as a result of the lack of communication by Nationstar Mortgage to convey what was needed to submit a complete package. I was advised on XXXX/XXXX/16 that I submitted a complete package, which means that the foreclosure sale should have been removed at that time by Nationstar Mortgage to not engage in unlawful dual-tracking practices. Additionally, I was also advised that Nationstar Mortgage created a missing documents letter but NEVER SENT IT OUT to me perpetuating the wrongful foreclosure, which in unjust at a minimum. 

I have now submitted a complete Request for Mortgage Assistance ( RMA ) to include the current dated MHA HAMP RMA that was the justification for moving forward with the foreclosure from Nationstar Mortgage to date. Per the California Homeowner Bill of Rights, RESPA and the CFPB ; foreclosing on my mortgage loan while currently in a RMA review would be wrongful, in violation of multiple state and federal laws, and illegal. 

Please help me to postpone Nationstar Mortgage 's foreclosure sale date immediately to allow for a complete review for mortgage assistance on my mortgage loan. Please also ensure that Nationstar mortgage provides a missing documents letter to me detailing what documentation is still missing on the file to deem it complete since it is confusing as to what is needed when and in what time frame. 

Thank you in advance for your assistance with this matter. I look forward to hearing back form you in an expeditious manner since time is of the essence with the sale date pending for tomorrow!
XXXX XXXX XXXXXXXX and Citi are preventing lawful citizens from exercising their constitutionally protected rights in regards to purchasing firearms.
Synchrony Bank, XXXX Credit Card continues to call me 4-6 times per day. I'm a stage XXXX XXXX patient, have told them this, and have paid over 1/2 of the monthly payment due in the past 2 weeks. I told them I would pay the same on the XX/XX/XXXX when I get SSI monthly payment, and they said they'd note it on my file. They still call every day, to the point of causing me stress. 

I've attached the log of their calls, taken directly from my phone.
PNC purchased our home mortgage from XXXX XXXX. This is the XXXX or XXXX financial institution that has handled our loan. Yet I 've never seen XXXX charge a {$7.00} fee to make a " XXXX '' mortgage payment online! This is outrageous because there is literally almost XXXX cost on their end. If anything, mailing them a check will actually cost them more. I do n't want to sign up for recurring payments as I like to be able to control the timing of when I make the payment.
Bank of America Home Loan became owner of my XXXX XXXX XXXX XXXX loan when XXXX XXXXXXXX was in trouble. Loan type : 30 year Conv Adj Rate, 27 years 5 months/Interest rate 6.125 % ; first time home buyer XX/XX/XXXX. 
XX/XX/XXXX I was able to refinance at a 24 year and 11 month adjustable, interest rate 3.375 %. 
In XXXX I applied with B of A Home Loans endlessly for both a mortgage reduction, when refused I tried refinancing my existing loan to a fix rate interest. Spent hours submitting documents ( which were lost more than once ) speaking with representatives, email, standard mail, B of A Home Loan Portal correspondence. After months I finally gave up trying. 
My current adjustable interest increased in XXXX and XXXX. 
My payments have increased from $ XXXX in XXXX, to $ XXXX in XXXX, to my current payment of $ XXXX. 
Clearly an adjustable interest means my payments have increased and will continue to do so. 
Had B of A Home Loan wanted to help me when I first approached them, I wouldn't be in this situation. 
My honest feeling is that B of A wants me to foreclose on my property to reap the financial benefits. Their representation has been less than stellar. XXXX XXXX is the last representative I tried to work with.
I joined XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX , XXXX , Florida XXXX on XX/XX/XXXX. I am XXXX years old and was concerned about using the club in future, but the club representative assured me that I could cancel at anytime with no penalty. In XX/XX/XXXX, I had only used the gym a few times and was having a few health issues so I called to cancel, with no success. I had set up a monthly fee on my XXXX. I wrote the XXXX XXXX XXXX, per the XXXX XXXX Contract, and told them I was giving them 30 days notice to cancel my account. I mailed the letter certified mail with a copy to XXXX XXXX XXXX XXXX, XXXX too. I receive calls and texts every month and today I received a collection letter from debt collector suggesting they would damage my credit unless I pay. Thanks for your help.