WillisBack/dataset-financial-user-claim huggingface dataset:
We closed on a residential home loan on XX/XX/2012. The original purchase price of the home was {$330000.00}. The market was rebounding and the appraisal came in extremely low at {$340000.00} and so Private Mortgage Insurance was assigned to our loan for a term of 5 years or until the loan was paid down to 80 % of the appraisal value. The loan contract specifically states that the buyer is entitled to pay for a new appraisal after paying 60 consecutive payments. However, the contract stipulates that the lender ( LoanCare ) gets to choose an independent appraisal company of their choice.

We have contacted the LoanCare on multiple occasions requesting that they schedule an appraiser and let us pay for the new appraisal.The property is now estimated at an appraisal value of {$600000.00} and we owe {$290000.00} on the mortgage. Currently, our loan to appraisal value is approximately 48 %. However, the lender will not respond to our requests except to send letters that say, " We have received your request and will be in touch with you in 3-5 business days. '' LoanCare fails to follow through and they keep billing us $ 379 monthly in private mortgage insurance. They are not honoring the contract.
Lender not willing to postpone schedule sheriff sale to allow us to proceed with a short sale. We are currently living in the property and have faxes the items numerous time to the lender
the  XXXX  national credit buraeaus will not investigate and remove the items I listed in my police report as results of identity theft Here are the accounts :  XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX
XXXX, WellsFargo, XXXX XX/XX/18 : I sold a handbag on XXXX for a total of {$410.00}. 
XX/XX/18 : XXXX received {$410.00} that Icouldnt actually access. I refunded the buyer {$31.00} because she didnt want to pay sales tax and then I refunded the remainder of the money and sell the bag to someone else. I had already paid for and printed the shipping label. I canceled the order on XXXX, refunded the buyer via XXXX ( as instructed ), and voided the shipping label. 

XX/XX/18 : I woke up to realize my Wells Fargo checking account was overdrawn. They were VERY QUICK to take money FROM ME to cover the refund but they STILL HAVENT released the original payment amount to me! Wells Fargo debited my account to cover the transaction ( meaning I dont have any funds to pay any of my bills ) but XXXX still shows everything as Pending! 

XX/XX/18 : Wells Fargo charged me a {$35.00} overdraft fee for the transaction. So the took my money and charged me a fee within a day yet somehow the transaction is STILL NOT COMPLETE. Why am I the last one to receive access to payments TO ME!?

Wells Fargo has also recently started rejecting automatic online bill payments then charging a {$35.00} Return Item fee. I originally turned off overdraft services to avoid the {$35.00} Overdraft Fee but was told I was still being charged multiple overdraft fees because they still authorize transactions like car payments. So by the time I got used to that ( I.e. theyd already gotten a few fees from me ), they started REJECTING those same transactions that would have resulted in additional Overdraft fees AND charged a {$35.00} Return Item Fee! Dishonest and a manipulation of customer expectations!
Concerning the appraisal, we instructed XXXX ( Who works for AAG Case number : XXXX. ) to put in an appeal with houses that is more similar to my own a week ago. The appraiser used houses that look nor are in any why close to mine. I found houses that sold in within three months that looks and more similar to my own. As you can see the first set is the appraisers comparison, and the second is the homes I found in the same area of mine. The FHA appraiser should be investigated.
XXXX XXXX : Citibank alerted me via phone to possible fraudulent activity on my card. 

XXXX XXXX : Working with Citibank, I closed my credit card. 

XXXX XXXX : Citibank issued a new card on the account and sent it to an incorrect address, despite my speaking with 2 fraud department specialists and providing the correct mailing address. The representatives both said they were sending it XXXX to the address I requested ( which address is in my account records. ) XXXX XXXX : I notified Citibank via phone that they sent the card to one of my home addresses where I would not be present until a month from this date. 

XXXX XXXX : I was able to have a neighbor retrieve the XXXX envelope and put it inside my home for safe-keeping. 

XXXX XXXX : Citibank arbitrarily locked me out of my account ( I have 3 credit cards with them and a website that I have used for many years to get paperless statements and pay my bills ( which are on autopay, I pay my balances timely every month ) ). 

XXXX XXXX : After much time spent on the phone with Citibank, my web account was unlocked and I could access it. No reason was provided why Citibank had locked me out. My password and user name were/are correct. 

XXXX XXXX : I receive a statement notice ( for XXXX XXXX billing cycle ) on the closed card via an email. There was a very large balance due. 

XXXX XXXX : When I try to access my paperless statement for both the closed card number and under the new card number, the website says I am not permitted to see the statement. 

XXXX XXXX : After numerous phone calls and online chat, the issue is not resolved. I can not see my bill or my transactions. 

XXXX XXXX : I request a paper bill, and Citibank insists on sending it to an address on my account where I am not present. 

Note : I have two physical addresses listed on my account, and have had these two addresses since XXXX. I live physically in two different places during different times of the year. 

Note : I have provided all the security information needed. 

Note : These are mature accounts that are paid in full timely every billing cycle. 

Note : My credit card was not lost or stolen. 

Note : I take strict means to protect my identity and online billing information. 

Note : In my opinion, this problem ( Citibank 's failure to provide me with an accounting of charges during a period of fraudulent activity ) is due to customer service representatives following a script that is not able to respond to specific situations. 

Note : It seems wrong to require payment for services and goods without providing a timely and accurate accounting.
I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment. 

These items of hard inquiries and past credit debts disputed by Equifax, XXXX, XXXX and XXXX XXXX I am requesting that the items be removed. 

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX
I need every inquiry removed i see a lot that were not approved by me. i was trying to PRE qualify
To Whom It May Concern : For many years I contracted with Equifax for credit monitoring. Monthly the service has been billed to my credit card. In XXXX I started having problems that the service would not let me run updated information as I had been doing for years. This went on for several weeks so I contacted them by phone. When I contacted the representative I was told me he could see what the problem was and that they would get it fixed. Another week or so went by and still the same. I contacted them through their site to cancel the service of which I received a survey inquiring as to why I was cancelling the service. Shortly thereafter within a week or so I learn of a breach through media. The charges to this day continue to be charged against my credit card yet they advertise they will be providing this service free for all they have affected. I contacted my credit card company notifying them that I was disputing the charge. They reversed one month and continue to charge me monthly for a service I cancelled. I again reached out to Equifax through their site and received a response that they would follow up with me and gave me a case number. So far no one has returned my call either by phone or e-mail. This organization has no approval to continue to charge my card however they do so monthly. In lite of the situation at Equifax, their failure in late XXXX to disclose to me an issue and ongoing billing after they have been told to cease is absolutely unacceptable.
Borrowed {$600.00} dollars from cash net usa. My understanding was I would make XXXX payments then I would be done. But, they are charging excessive fees and interest that equals {$610.00} XXXX of XXXX : {$600.00} Outstanding Balance :? {$610.00} Available Credit : {$100.00} Next Statement Close Date : XX/XX/XXXX Minimum Payment Due : {$180.00} Scheduled Payment Date : XX/XX/XXXX I have already made XXXX payments {$140.00} and {$220.00}. {$610.00} is excessive for borrowing {$600.00} dollars. How can this be legal? It is unfair treatment. I live on XXXX. and {$600.00} is almost the amount I receive every month. {$890.00}
XXXX XXXX, unresolved # XXXX Wells Fargo account # XXXX, Wells Fargo employee, XXXX XXXX XXXX as the Research and Remediation Analyst, had been responding to my complaint with no more than just putting me off again, when he denied my request to get my named cleared on an account showing negative on my credit. He stated it will always be mine to share, I thought with your help, we could reopen this case, I have been waiting to figure out what to do next, after conversing with the court clerk, I thought I was include a copy of the divorce decree so you folks can see for yourself why I came out of my divorce thinking I had seen the last of this account. XXXX XXXX really did not seem interested in my providing any evidence, I believe his mind was made up well before he looked into my claim, if he even did, I previously sent Wells Fargo this information, some three years ago, no reaction, and XXXX XXXX told me the Fraud Dept of Wells Fargo would contact me to help move this along, it has been two weeks and no contact. In the divorce decree under Debt Allocation, Item 5 describes what my ex wife XXXX XXXX was responsible for, and sub heading D is her student loans, which apparently was the purpose of this loan, I had no idea what this loan was at the time, I just figured I was safe because of the description in heading # 7, Notice to Creditors which lists the laws in Utah pertaining to separation of Debts, XXXX XXXX was wrong, Wells Fargo needs to honor this order from Utah Courts since this is the State where this took place, please read and forward this to XXXX XXXX. I never was confronted or contacted by Wells Fargo, I had no idea about this loan until she defaulted and it came up on my credit. I think it is pretty clear that the Court and the Judge here wanted to protect me from debts I had no idea about. The Court Clerk will help me file suit against XXXX XXXX and Wells Fargo if this order is not honored, they also go further to explain if this needs a court room to decide this, Wells Fargo will not have a case and in fact will be required by Utah Law to pay a hefty settlement. All I ask is they take another look, try to understand what I am trying to say, otherwise it just costs us all time and money, and will result in Wells Fargo removing my name from the contract and eliminating my name from the negative credit report, this order trumps over the contract my Ex wife signed with them many years ago without my knowledge, this seems so simple to me, why are they making it hard, I have NO responsibility paying back this debt, and the Courts here in Utah agree. I need to hear back from them ASAP, or the Courts has ordered me to file a " Order to Show Cause '' against Wells Fargo which in the very first hearing they will have spent more than this any benefit this bad account will net them, and at the very least with this court order, they should require my Ex wife XXXX XXXX to refinance this account into her name only, Thanks again for the help, I will be waiting to hear back, Thank you XXXX XXXX
1,, I received a letter from Citibank, N.A stating that i was enrolled in a credit protection program offered by this bank for which i was charged a monthly fee. And if i believe that i was enrolled without my consent or knowledge of the program costs or benefits to go to the website Citi.comRefundInquiry and submit a claim for a potential refund before XXXX XXXX, 2017 with the reference number XXXX and a tracking number XXXX which i found no way on the web to contact or communicate with customer service. I called CFPB and was advised to file a complaint.
A XXXX account was transferred from my name to another person upon establishing their credit with the cellular company on XXXX/XXXX/XX/XX/XXXX. When I ran my credit report on XXXX, there was a collection account on my credit in the amount of {$940.00} placed on XXXX/XXXX/XX/XX/XXXX without any notification whatsoever. The transfer was a success and whatever happened after that, it should not be my responsibilities. Currently, I still maintain my primary account with XXXX for the last 8 years without any missed payment or late fee.
I have disputed the late payments on this XXXX XXXXXXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I have never been to XXXX or lived there. I have lived in XXXX XXXX and XXXX XXXX XXXX. What can I do to take those addresses off my credit report?
I submitted a complaint ( XXXX ) on XX/XX/XXXX regarding this company not being bonded or licensed to collect in IL. They submitted the attached document from the IDFPR. At that time in XX/XX/XXXX, they were licensed. However, per the attached that THEY sent me and upon checking the IDFRP 's website moments ago, their license has expired on XX/XX/XXXX and legally they can not collect from me and all collection efforts must cease or I will get my attorney 's involved and file a law suit for violating my rights as a consumer. There are currently 3 negative items reporting on my credit reports from them and I want them removed ASAP!!!
I am unable to place a temporary credit lift on my frozen credit file online with Equifax.com. I am attaching a screen shot indicating that my credit file can not be referenced on equifax.com. I am also unable to place a temporary credit lift using the Equifax automated phone system. I have tried to contact the Equifax customer service and web support help desk without any luck. I am effectively being forced to call-in on the phone in order to temporarily life my frozen credit file. This is unacceptable.
This card was payed off in XX/XX/XXXX and then someone made purchase s on it in XX/XX/XXXX and then defaulted on it in XX/XX/XXXX and I wasn't aware of these fradulent charges till recently.
For many years I contacted XXXX XXXX /navient to inform them that I was not able to pay and advised for multiple years to apply for forbearance and deferment on my loans causing the amount I now owe to increase over time due to interest. Years later I was finally made aware that I could apply for income based payments but since the my loans have grown more. Also my complaint is that then I learned that the school I went to actually closed after I graduated and lost their accreditation which explained why no potential employer would acknowledge my degree again causing me to owe all this money for a degree that means nothing. Not only do I still owe these loans and interest i have negative information on my credit report making even harder for me qualify for credit and other resources. As a single mother trying to educate my self and provide for my family this is very discouraging and makes things very hard. The school I attended was XXXX
I had a mortgage with Key Bank and in 2013 I settled the account with them and it was complete XX/XX/2013. They are still reporting that I owe a balance and it should have been XXXX once the payment was completed. It has affected all my financing since 2013 due to this fact.
In early XX/XX/XXXX I learned that there were questionable entries on my credit report after requesting a loan. At that time I requested my free annual credit report from all three bureaus by calling XXXX. In XX/XX/XXXX I received a report from XXXX, but not the others. On XX/XX/XXXX I again called the XXXX number to request my free annual credit report and did not receive them. On XX/XX/XXXX I called for the XXXX time requesting my free annual reports and as of today, XX/XX/XXXX I have not recieved a single free credit report.
I signed up for Citi Gold Checking account promotion back in XXXX 2015 via online offer for bonus XXXX Thank you points after meeting certain requirements which I have already met. I confirmed with Citibank on couple of occasions in the past XXXX4 months that I am eligible for the bonus and have met all the requirements. I was told that I am eligible and have met the requirements and the bonus XXXX Thank you points will be awarded as soon as Citi receive and process my XXXX form. I have already sent the XXXX form twice. so when I inquired again this month, I received a letter that I am not eligible for the offer and I was n't targeted for the offer due to an old Citi checking account ( not the new Citi Gold Checking ). I was told on XXXX occasions that an offer code is attached ( XXXX ) to my account and I should be getting the bonus XXXX thank you points as per the terms and conditions. I love Citi customer service and love citi bank in general but not sure what is going on in this case.
best buy / citi bank keep charging me small amounts after fully closing and paying off the card and cancelling the debt protection service. Account is closed, but yet still getting bills in the mail, and they are reporting us to the credit bureaus as late / missed payments. I have called multiple times and got the run around, telling me i need to call this other number to cancel something else, but its cancelled! them im told the account is closed and paid in full and should not get anymore bills and then surprise. this is hurting our credit and they cant get their stuff together over there!
Yesterday I received a letter from a mortgage company informing me that my credit history had too many " delinquencies '' and othe negative items that lowered my credit. All XXXX credit agencies supposedly reported these issues. Last night I filed a complaint about XXXX. Tonight my it 's Experian.I had received my free report from them a few months ago and except for XXXX incorrect address, it was good and accurate. I asked to see my report again to find out what is going on with my credit, and the website charged {$1.00} to get a report. Now I received an e-mail from them " congratulating '' me on joining their " credit protection '' service and that after 7 days, if I did n't opt out, I would owe them {$29.00} a month! 
Here is a copy of my response : To : Customer Care & lt ; XXXXXXXXXXXX & gt ; Dear Experian, I did not order this credit tracking product and I want to cancel it NOW. Your program is misleading. It did not clearly state that by sending you {$1.00}, I would be subject to a $ XXXX monthly fee in 7 days. Your " opt out '' in seven days is hardly enough time for the poor unfortunate who does n't catch that clause in time. I am reporting you to the US Consumer Protection Bureau. 

- XXXX XXXXPS : I do not appreciate your falsifying my credit report with damaging information that bears no resemblance to the same credit history that you sent me just a few months ago.
My husband passed away XX/XX/XXXX. I contacted Wells Fargo Home Equity, XXXX mtg, to let them know and to please send all correspondence to a PO Box . ( I am NOT on the XXXX mortgage ) Our correspondence for this mortgage for the past 10 years had been going to his business and I had to shut down the business XX/XX/XXXX ( I explained this to Wells ). Wells refused to change the address to a PO Box and changed the address to our home address. I explained to them several times that our mail is on a busy street and we do not like any financial information to be left in that mail box for the reason we have had stolen mail - PRIVACY ISSUES. They, Wells Fargo Equity, refused to change the mailing from property address to PO Box , as I am not on the XXXX mortgage. I am on the XXXX mortgage that is with Wells Fargo Home Mortgage. I sent to Wells Fargo Equity the death certificate and deed showing that I am his wife, as they requested in order to do this. They still would not change the address and will not give me access to the account. I did not get any statements but one XX/XX/XXXX. XX/XX/XXXX I received a letter from XXXX XXXX that my property was going into foreclosure. I used the XX/XX/XXXX statement to figure out how to get this loan current and brought payment to Wells Fargo Bank on XXXX XXXX and they had to change the check into a cashiers check. I was told by Wells Fargo Bank that if I had not made payment by XXXX XXXX, the foreclosure proceeding would start. On XXXX XXXX I received a letter from Wells Fargo Equity, dated XXXX XXXX, that they were proceeding with foreclosure. Wells Fargo Equity indicated that they sent me by mail notification for loan modification. I have not received any information for a loan modification or foreclosure at the home address. My husband is deceased. I have not worked in three years. I have been working on closing business down and trying to get caught up. I do not qualify for anything, but can keep up with payments if they, Wells Fargo Equity, would send me payment information to my POBOX. My complaint is that they knew all this information and put me in a bad and very XXXX position. I have told them I am willing to try and continue to make payments and I have put the property up for sale. I need them to change the address to the PO Box and give me information regarding payments received/made. I am not trying to dodge payment, I am trying to make payments. I have given them documentation that has been requested for this to happen. Yet I am refused information on the loan to make payments. How is it that Wells Fargo Equity can say in a letter that they have sent me information, yet I did not get it? IF they are or have sent such information to home address, my privacy HAS BEEN VIOLATED.