WillisBack/dataset-financial-user-claim huggingface dataset:
Please refer to my previous compaint Case number : XXXX ] where I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about XXXX so, I downloaded the XXXX ( XXXX ) in my XXXX. Then made a call to XXXX to understand the process. They told me to add XXXX as payee in my bank checking account and paid the money I wanted to transfer into the XXXX. So, I paid {$620.00} from my Capital one 360 checking account to XXXX and XXXX received {$620.00} from checking account on XXXX/XXXX/2016. 
Now I have received an Affidavit from Capital one 360 Bank ( Please see attached ) for me to sign and have it notarized which does not reflect the true account of the matter in question. Bank is still insisting that I authorized the creation of a certain check numbered XXXX dated XXXX XXXX, in the sum of {$620.00} which contrary to the fact. As a matter of fact, XXXX was added to my internet banking as a Payee and I was neither explained or notified by the bank personnel that they will be sending out a check instead of electronically remitting the amount to the Payee. 
I do not understand why bank is misrepresenting the entire matter to a consumer and CFPB. 
Bank needs to be held accountable for dragging this matter for five months and going.
I am a victim of identity theft, i have reported to the police, I have items on my XXXX and Equifax reports that are fraud I notified those reporting bureaus numerous times with copies of the credit report circling the fraudulent accounts, accompied by the police report a copy of FCRA 605B,  my identification, social security number, and address proof, however these companies XXXX and Equifax refuse to remove said fraudulent items after numerous attempts to do so according to the law. Because of there negligence I have been denied credit and jobs over the past six months. I want these accounts on my credit reports immediately as they are fraud and these 2 companies were notified and refuse to abide by the laws set forth by the FCRA. the accounts are on my report are ; All fraudulent accounts- XXXX XXXX XXXX - {$12000.00} XXXX XXXX XXXX - {$31000.00} XXXX - {$5900.00} XXXX XXXX - {$19000.00} XXXX XXXX XXXX - {$9800.00} and Inquiries are on account that are fraudulent, XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 ALL ABOVE ITEMS BOTH EQUIFAX AND XXXX REFUSE TO REMOVE FROM MY REPORT AFTER NUMEROUS REQUESTS AND SIGNED ADVIDAVITS TO DO SO AS I WAS INSTRUCTED BY THE FCRA ACCORDING TO SECTION 605B ( WITHIN 4 BUSINES DAYS ALLOTTED BY LAW. 

I DEMAND THAT THE FOREMENTION FRAUDULENT ITEMS BE REMOVED IMMEDIATELY BY XXXX AND QUIFAX CREDIT BUREAUS IMMEDIATELY AS I WILL BE FORCED TO TAKE LEGAL ACTION IF THEY ARE NOT REMOVED IMMEDIATELY.
XX/XX/2018 Porfolio Recovery called my work. Not appropriate! They constantly call and harass me on my cell phone as well.
i am a victim of identity theft, my personal information was use to acquired XXXX XXXX credit cards. The name appear on XXXX is not my correct name. Please investigate in this matter.
I filed all the proper documentation and reports regarding my identity theft situation and Equifax has not notified me of the investigation. Nothing has changed on my Equifax report or anything. Those accounts are killing my credit score.
I totally disagree with Exeter Finance Corporation 's response. Exeter Finance Corporation failed to address the Real Issue and is hiding the fact that they are scamming consumers. Exeter Financing is a scam and its Shady Financing is unscrupulous. On or about XXXX 2014, I entered into a Retail Purchase Agreement with XXXX /Exeter Financing Program XXXX I was NOT employed by XXXX at that time and was not told that I would be fired if the Customer Rating falls below XXXX. XXXX XXXX failed to do a thorough check on my " Proof of Income '', thus without checking the income they put me in this high interest loan with exaggerated monthly payments. Driving for XXXX never generated that much of income to pay that high monthly payments. The intricacies of their financing program has really hurt my credit score and is n't helpful at all. It basically is a trap in a cycle, working for XXXX to pay for the car I signed up for under the guise of steady, gainful employment from XXXX. As stated in my claim I was terminated just a week after my purchase of this vehicle. On or about XXXX 2014, I made many calls to Exeter Finance that I would like to surrender my vehicle but they hang up on me and told me not to contact them anymore. I contacted Kia Dealer and they informed me to contact Exeter Finance as the car now belongs to them. Enclosed is my letter to Exeter Finance requesting them the same. However, they ignored me completely and continued to bill me for this high funded loan. I did not enter into any kind of agreement or sign any documents with XXXX as an Independent Contractor, the findings from government agencies state that this strictly an employee status NOT an Independent Contractor. Thus Exeter Financing Auto Loan is a fraud and scam, the drivers ' paychecks are docked to repay the auto loan. XXXX takes a 25 % from their driver 's and additional fees, there is no way a driver can pay {$980.00} monthly payments with this loan structure and unstable employment from XXXX.
I have had extremely bad experiences with PNC Cash Rewards redemption program. Their website has a button to " redeem rewards ''. It does not work even when you meet the minimum rewards balance. For the last four years, each month, when I try to redeem the rewards via their website, I get an error message. There is a number to call which sends you into a very long and complicated phone tree, finally connecting you with another group. That group takes your information, and reconnects you to another group. After about 20-30 minutes, you can redeem them on the phone. I have called about this each month for the last four years, even speaking with the supervisor 's supervisor, and have been told that they are " working on it ''. They are always " very sorry for my frustration '' and give me a " direct number '' to call, next time. Each month that number changes. There is definitely something illegal about this tactic. No one should be put through all of these hoops to redeem the rewards they earned. 
Here are two phone numbers that are " direct '' to the rewards people : XXXX & XXXX
I am contacting you to file a complaint concerning a new car loan I applied for recently. I am XXXX years old and I have been a customer of PNC bank for more than XXXX years. I have over {$25000.00}. in CD 's with PNC. When I applied for a new car loan for {$10000.00}. I was denied the loan because I do not have any credit history. I never had a credit card and always paid cash except for XXXX time XXXX years ago I applied for a new car loan with the same PNC bank in XXXX and they approved it no problem but this time I was denied. I have more than enough money on deposit with their bank as collateral for the loan but they still denied it. They said it is PNC 's policy not to give loans out to anyone who does not have a credit history. I went to another bank and applied for a loan and they said as long as I deposited the {$25000.00} CD with there bank they would write me a check for {$10000.00} on the spot regardless if I had any credit history. I feel PNC 's policy of arbitrarily denying a loan to anyone who does not have a credit history is discriminatory and possibly illegal. I had more than enough money on deposit to cover the cost of the loan if I defaulted on a payment. There is NO WAY PNC could loose money on the deal. I also feel my AGE may have had something to do with it. I believe this because my son ( XXXX ) applied for a loan with PNC a few days later and told them he had a {$25000.00} CD on deposit and wanted to borrow {$10000.00} for a new car. He told them he had NO CREDIT history. They told him that he could get the loan no problem. Please look into this matter and contact me if you need any further information.
Have two medical collection accounts with Eastern Account one for {$210.00} and on for {$270.00}, I made a payment ( after weeks of trying to contact EAS- their phone system is horrible, no one returns your calls and they keep you on hold for half hour at a time ) on XX/XX/XXXX for both accounts for a total payment of {$490.00} which cleared my bank account on XX/XX/XXXX. 

One of the accounts ( one for {$270.00} ) has reported closed and paid on my credit report, while the other one has not. I called EAS AFTER 3 hours of trying to reach someone I finally get growing, I was told they update on the XXXX of every month and I have to wait. I asked how is that possible since the other account was update on XX/XX/XXXX as closed and paid? I left a message for senior management- and I have n't heard back from anyone. How can the same company report one account closed and not he other when one check was n't paid for both accounts?
My father passed away and left a house to my XXXX siblings and myself. I have lived in the house since it was purchased 9 years ago, and make the mortgage payment. In XXXX, 2015, XXXX XXXX XXXX, the mortgage holder, sold the loan to Seterus. Since that time I have been trying to get information about the loan, but they will not talk to me about it. They say they must have the name of the Administrator or Executor of the estate. There is not one. My father died in XXXX, without a will, and we completed a Small Summary Administration where the Judge divided the property among the XXXX of us and it was complete. The judge said she had no jurisdiction over the house because it was in XXXX. After several conversations with Seterus since they took over the note in XXXX, 2015, I have done and sent everything they have asked for. I have sent the Summary Administration from XXXX and the Affidavit of Heirship from XXXX, along with my father 's death certificate, as requested from Seterus. During the last two conversations with Seterus, I was told first that the legal documents were not sufficient and then that ( apparently they were ) they could not talk to me, but could talk to my sister. I then began to receive mail from them, at the house address where I live, with her name on it. Not only has my sister never spoken with them, but she has had repeated brain surgeries since XXXX of last year and is not involved in the house matter. The only way that Seterus could have my sister 's name is someone picking a name off of one of the legal documents - her name happens to be listed first. I retained an attorney this week, she called, and they wo n't speak to her either. I have paid what I believed to be the mortgage payment every month, but I am not sure what the amount is, due to several pieces of mail from Seterus with differing amounts due. At the end of the last conversation with Seterus, I asked the young lady what I should do since they would not tell me anything about the loan. She said to just keep paying the mortgage. I asked how, since I was unsure of the monthly amount due ( the change in amount came when they set up an escrow account ). She told me that, though she should n't be telling me, the amount I had paid 4 days before, {$1000.00}, was the correct amount. Several days later I received a statement that the payment was {$1200.00} per month. The next day I received mail stating that the mortgage was behing one month, and that if they did n't receive {$1700.00} by XXXX XXXX, they were going to begin foreclosure proceedings. Two days later I received a statement saying that {$1900.00} was owed. I have done everything they have asked. With the exception of XXXX people, they have been extremely rude and unyielding. When I asked for someone in their legal department, they said they could n't help me. I am at my wits end. I have made payments every month, calculated by what the original amount was, plus the yearly property taxes divided by XXXX. Please help. I do n't want to lose my home, but I can not seem to get through to these people. Thank you in advance.
I applied for a personal loan with First Tech Federal Credit Union on XX/XX/XXXX for $ XXXX. Online advertised 24 hours loan approval decision, and its been 84 hours, and I have not gotten the loan approval from the XXXX XXXX. 

I was advised that I would get the approval within 24 hours from the Financial Representative helping me.
I have loans serviced Navient, ever since they were transfered there from XXXX XXXX I was only provided with the option of being in foreberance instead of providing me with lowerpayment plans based on my income. I spent hours on the phone explaining that I did not make enough money to pay the monthly installment they kept telling me was required. I filled for foreberence more than 4 times because they told me I had no other options. I submitted my tax returns, in addition to their form depicting all my expenses, every year for the past 4 years that demonstrated that I was not able to make the monthly payment Each time I was told that I would be required to pay over $ XXXX/month. That payment based on the documentation that I submitted that summarized my monthly expenses, including my home, car and utilities, would have put me into a deficit each month. This past summer I was finally able to renegotiate a plan that is still above what I had requested, but is more manageable. Unfortunately it means I am paying excessive interest on my student loans. In addition, as a teacher in a XXXX school, I had to submit the paperwork to have my student loans reduced for service, 3 times. Each time it was " never received ''
Wells Fargo Bank XXXX XXXX XXXX, GA XXXX XXXX XXXX denied me access to Small Business Non Profit Checking Savings Account ; Federal Violation of ECOA Discrimination Violation of Civil Rights Act as Amended base on my ( XXXX ) XXXX XXXX ( XXXX ) XXXX for a NonProfit Faith Based 501 ( c ) ( 3 ) IRS ; Active Status with the Georgia Secretary of State Office and sent me away to produce Articles of Incorporation and Certificate of Incorporation that has been in Wells Fargo Profile sinceXX/XX/2002. Lack of professionalism on behalf of that Branch Manager and staff member for offering to cash a personal check written by a Wells Fargo Customer to me in denominations of {$20.00} bills ( total check {$3.00} ) or offered me to go to another Wells Fargo Branch.
On  XXXX   XXXX  , 2017 I co mpleted an application for property tax exemption with the  XXXX  County Appraisal District (  XXXX CAD ) and was approved due to a   XXXX   XXXX   VA  XXXX  rating.   XXXX  CAD provided me with a letter certifying that no property tax will be due for the    2017 tax  year. I contacted my mortgage company, AmeriHome Mortgage, to let them know on the  XX/XX/XXXX  an d requested an escrow analysis. The representative informed me to call back in four days and they would have an updated escrow analysis. I called back on the   XX/XX/XXXX  an d requested an update, the representative told me that my paperwork was inadequate but they had contacted  XXXX CAD for clarification. I was then informed to call back in  four  more days. I called back on/around the   XX/XX/XXXX  to re quest an update and was told by AmeriHome that I did not qualify for a property tax exemption and they had closed my request. I contacted  XXXX CAD and they confirmed that I was not required to pay the property tax and said to have AmeriHome contact them directly if they needed additional clarification. I contacted AmeriHome and requested a third escrow analysis, confirmed the information, escalated the issue. On   XX/XX/XXXX   I contacted AmeriHome again to request an update and the representative told me that the property tax department did not complete my request because they had already denied an update on the   XX/XX/XXXX   even thought they had new information from  XXXX CAD. I asked for a fourth time to have an escrow analysis completed, confirmed the property tax department have the information and was just told it was going to take another week ...     I have asked for this escrow analysis to be completed  four  times, calling in over and over again wasting my time for something that should be a simple transaction. I just want to have my tax records updated correctly so that I am not paying unnecessary funds to an escrow account.
On Thursday, XXXX XXXX, XXXX I deposited a check on my JP Morgan Chase Personal Checking Account drawn on XXXX XXXX from a Government Agency, XXXX XXXX XXXX for {$2300.00}. I was told that the entire check would be held for 7 business days by the system from the branch teller but they could not say why. They suggested I call Corporate to find out about getting it released. 

I contacted Chase by their secure message system and they told me it showed to be released on XXXX. On XXXX, the funds were still not available and my account went into a negative balance. 

The money was already swept electronically by Chase by XXXX and this is a deliverate fraud to use my money for 11 days and collect interest on it. 

I ask for an investigation to JP Morgan Chase Bank practices of holding collected funds from the account holders as I am sure this is a Nationwide practice. 

Thank you, XXXX XXXX
My name is XXXX XXXX, my compliant is regarding XXXX XXXX, Loan Processor with City Worth Mortgage. During my working with XXXX XXXX there has been several mistakes ( not completing employment verification in a timely matter, not following up with landlord for documentation, not explaining how overtime would effect the home purchase process and not returning phone calls ) that he has done throughout the mortgage process of trying to purchasing a home. Tuesday, XX/XX/2018 around XXXX my Realtor who has been working with to closing on house ( XXXX XXXX XXXX XXXX, TX XXXX ) called to inform me that XXXX XXXX told him the deal cant close because of my overtime. This angered me because he never told me that my overtime was a factor into me getting this home. Also, he talked about needing to have 1 year of overtime history without my knowledge. My agent told me that XXXX told him that him and his processor overlooked a form that supposed to be filled out by my place of work but they overlooked. City Worth Mortgage with the many errors and delays by XXXX XXXX has made me lose my Earnest Money {$2100.00}, Option Money {$150.00}, Inspection {$450.00}, Appraisal {$600.00}, missing about 4 days of work to make sure everything is completed without any problems. Also, I am paying month to month because I was told by XXXX that we were on schedule to close for XX/XX/XXXX. 
Below are everyone who was involved in trying to close of my home that I really wanted but due to miscommunication, lack of information and no follow up I have lost the home and I have to start all back over in looking for a home again. Please help! I can be reached at XXXX XXXX XXXX, Loan Processor XXXX XXXX XXXX XXXX, Closing XXXX XXXX Ext : XXXX XXXX XXXX XXXX, Processor XXXX Ext : XXXX XXXX XXXX XXXX, Mortgage Banker-Team Lead Cell # XXXX Office : XXXX XXXX XXXX
I called about unknown hard inquiries on my credit report cause I was a victim of there inquiry issue they had a couple months ago. When I spoke to customer service he said I was not a victim and he could not take them off my report. These are the unknown items that are listed XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
On XX/XX/2017, XXXX charged my credit card promising the creation of a Brand Of products to be sold online, especially on XXXX. The couching sessions, bonuses, and other promises never materialized. 
Attached you will find documentations showing my repeated attempts to get the money refunded and the FTC suit against the XXXX XXXX. 
BARCLAYS bank claims that since I paid the balance in full, I can no longer claim a refund.
The following account is fraudulent and needs to be deleted and blocked immediately from my XXXX   credit report. 

XXXX  XXXX XXXX Account # : XXXX
We have received No response from our mortgage lender to consumer finance protection bureau Case number : XXXX.
XXXX put a credit inquiry on my report on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it wouldn't be removed. I did not authorize these inquiries and I would like them removed from my report.
I routinely check my credit report for updates and inaccuracies. I checked my report during the week of XX/XX/XXXX after receiving an email alert from a credit reporting agency that my score had changed. I logged in and determined that both XXXX  and XXXX had derogatory remarks on my account from a collections agency called ATG, which caused an almost 20 point drop in my credit score. I have never heard of ATG before seeing their name on my credit report nor have I ever received any correspondence or communication of any form from them. I had NO notice of any debt owed and I have no idea what this pertains to. 

I am unclear what the claimed amount owed is. Per the credit report it says balance {$4200.00} and highest balance {$2700.00}, which makes no sense to me. It also says that it was opened in XX/XX/XXXX. However, I usually check my credit at least once a month and receive regular email notifications of changes to my score and last week was the first time this appeared on my credit report. Again, between last XXXX and now, I had no communications from ATG regarding a debt owed. Reporting the alleged debt to the credit reporting agencies and significantly damaging my credit was the first notification.
I contacted American Equity Mortgage company in XXXX, MO on XXXX/XXXX/2016 to get a refinance for my home mortgage. So I spoke with XXXX XXXX and give him all my information to pull my credit report as he suppose to call me back after few hours on the same day. I waited and he did n't call. The next day I called him back and left him a voice message and never returned my call and call them again few days later and left another voice mail and no one returned my call period. He did pull my credit report and 2 days later after he did so my credit score significantly dropped for unknown reason as there 's no negative information reported or added to my report. I believe I have been racially discriminated for no reason and I believe he did something to my impact my credit score over all.
I had an active XXXX  XXXX account for a few years which I have always paid ; I recently went through financial hardship and could not pay the amount owed. In addition the charges seem excessive since I had to move out of the premises and did not continue to live there.
On XXXX XXXX, 2017 I mailed a letter to Equifax regarding the overland bond. This account was previously disputed and removed from my credit report. However, it appeared on there again. I submitted them documentation from them that this account has been removed previously but no action was taken. I also sent them a police report as instructed by them for unauthorized inquiries on my name, No action has been taken with that as well. Today I received an email with an updated reported to find that XXXX other accounts XXXX XXXX and XXXX XXXX have been placed back on my report as well. I 've attached documentation for XXXX XXXX and XXXX to show the accounts were removed. I 'm unable to open the document to provide for XXXX XXXX as it is outdated on Equifax site. According to FCRA Equifax is suppose to give me a five-day notice if they are placing anything on my credit file which was previously removed. I did n't get any notice just the accounts placed back on my credit report.
My lender has lied on three different occasions when reviewing me for a loan modification. I have confirmed three times that they had documents such as a divorce decree. Three times I have been told afterwards that they do not have it on file. They are not following the law and properly reviewing me for modification. At the same time, they are pursuing foreclosure. This is dual-tracking and the bank should be fined for the illegal practice, as well as being forced to give me a loan modification. I have been sending documents over and over for over a year. They lie and lie so they can take my home. Please help me.