WillisBack/dataset-financial-user-claim huggingface dataset:
I have an existing mortgage with Bank of America ( BOA ). A refinance was requested to BOA on XXXX/XXXX/2016. I 've submitted all required documents from the loan officer of BOA. I repeatedly called the loan officer I worked with about the progress. There was no response. And suddenly a single line email came on XXXX/XXXX/16 that the loan was declined without any explanation. I have a credit score of around XXXX. My proper value to loan amount ratio is fine. I have sound job history. 
The manager XXXX XXXX, after more than a day, answered : " It appears, according to my underwriter, that we were needing the actual 12 months of cancelled checks and lease agreement. The information you provided does not allow us to link your name to the account provided. '' Again XXXX XXXX was not able to reach any more after emails and XXXX voice mails. Nobody from BOA requested the leasing agreement. I do n't know what " cancelled checks '' they wanted. I have the letter of statement indicating my payments were from online payments. BOA could review more statements to link the payment info. However, BOA failed to request such further documents and abruptly declined the loan request. 

This is false advertisement of BOA that enticed the customer to apply loans with them and charge the XXXX party fees, such as appraisals. I complain about BOA on miscommunication and false advertisement and request to refund the charge due to fault from BOA.
I placed order on XXXX XXXX # XXXX. I received confirmation emails with tracking numbers, I tried to search for tracking info and the numbers received showed as incorrect with the shipping company. I contacted Kohls numerous times for tracking information and requested that the items be reshipped with delivery confirmation/signature required. I was notified that items were reshipped. I received another email shortly thereafter that the item was returned to sender as recipient refused. I never received the item, I contacted Kohls to find out where items were being shipped to, they confirmed a different address. I provided them with my current address on every single call I placed to them, upon order submission, upon tracking request and reshipment. Seems they do not update their files. I was assured my account would not be affected and that items missing would be reshipped, or I could cancel item. I opted to cancel the item since they tried to ship it twice and I was not receiving item since they kept sending it to the incorrect address. 

I have called repeatedly in the last few days and keep getting same run around with me having to provide them with my address, when I provide them with the current valid address I keep getting told that is the incorrect address and that they can not help me unless I provide them with the " old '' address. I do not know what shows on their system and it is not my responsibility to provide them with outdated/incorrect information. 

At this point, I want them to credit my account for items not received. I received an email informing me of such, however, when I check my account it shows nothing of sorts. 

I will not call back to be placed on hold for over XXXX minutes only to end being switched to unattended voice mails or have to submit email after email. I should n't have to continue calling and be forced to confirm whatever information they show in their system as I can not see or know what shows- I can only provide them with the information I KNOW to be my current and accurate.
I have been a customer with XXXX XXXX for close to a year. I have always had scheduled payments on time. I took out a loan in XXXX XXXX in the amount of {$800.00} with my first payment being on XXXX/XXXX/XXXX of {$210.00}, since then I have been making payments via checking account of {$210.00} every 2 weeks. I recently had a schedule payment on XXXX/XXXX/XXXX in the amount of {$210.00} in which I expected to be withdrawn as agreed but did not. XXXX XXXX had authorization to withdraw on that day and it did n't happen. The money was available on the account as it was not in negative status. I did not get any insufficient funds notice from my bank and did n't know the money was not withdrawn until the following day when I received an email from XXXX XXXX to call immediately because my payment is past due in the amount of {$840.00}. My initial loan was {$800.00} and I have already made 5 on time payments. I called immediately in which the recording continue to say " all agents are busy assisting other customers '' I called all day and would continue to get the recording and not a live person. In one of the emails sent It mentioned to reply to the email in which I did reply but did n't get any response just a repeated pre typed email. I feel like this is a scam and tactic in getting more money.
TRANSUNION AND XXXX XXXX TO FOLLOW SUIT AND DELETE UNAUTHORIZED HARD INQUIRIES FROM MY CREDIT REPORT.. I 'M FED UP WITH THE RED TAPE AND EXCUSES, XXXX DELETED WITH NO ISSUE, AND I SENT CERTIFIED LETTERS TO THE CREDIT AGENCIES WITH NO RELIEF
I believe I am one of the debtors that Navient has " systematically and illegally '' failed. I have been paying back my student loans since 2009, I have had my payment plan switched multiple times, and I have even made payments directly to the principal and yet it seems like the amount I owe has been coming down at a snail 's pace. Virtually zero information has ever been shared with me and anytime I called in to talk about my loans, I was just moved to another plan which, based on your allegations, makes me think I was moved to whatever the corporate mandate was at the time. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.
My concerns are about the multiple entries for several collection accounts in my Equifax credit report. XXXX XXXX XXXX XXXX ( XXXX ) has ( XXXX ) entries for the same day from the same creditor XXXX/XXXX/XXXX, but different amounts. XXXX also has ( XXXX ) entries for the same day and same creditor on XXXX/XXXX/XXXX, but different amounts. XXXX lastly has ( XXXX ) entries on the same day for the same creditor on XXXX/XXXX/XXXX with different amounts. This makes my credit report appear to have more accounts ( XXXX additional ) in collection then it should. It is not possible to have multiple accounts for the same day from the same place. I would like these taken off my credit report. 

Also, I had trouble logging into my Equifax credit report on line, because the security questions did not pertain to me. I wonder if this could have anything to do with identity theft? I did send a copy of my drivers license, social security card and birth certificate on XXXX, XXXX to Equifax in my complaint letter to : Equifax Information Services LLC XXXX XXXX XXXX GA, XXXX
I applied for a mortgage modification with Wells Fargo approximately XX/XX/2014 because we had a significant loss in our household income. Wells Fargo denied our modification and as a result we had to file chapter XXXX bankruptcy to save our home. We sent them every thing they required of us and we were denied. Wells Fargo actually lied to us from the beginning when we first received our mortgages. They told us that once we made our payments on time for a year we would be able to refinance and possibly rid of our second mortgage. When we called after 1year we were told we also needed a XXXX credit score, which was never disclosed.
XXXX XXXX XXXX whom I was contracted with wrote off my debt off and sold it to another company named XXXX ( XXXX ). My contract with XXXX XXXX was then cancelled. Experian Is reporting that I am in a delinquency status with XXXX ( XXXX ). Theres no valid contract between XXXX and I. I asked Experian to remove this from my report. I sent in proof that I do not and never ever had a contract with XXXX. Experian still refuses to remove this from my report which is damaging. Please have them remove this incorrect information.
Data breach! Unable to get logged on to their website. " Unable '' to provide a free annual credit report online.
This debt showed up on my credit report under a company named XXXX XXXX XXXX XXXX. The partial account # XXXX. The Original creditor is XXXX XXXX XXXX XXXX XXXX. This is not my debt at all. Never went to school there. I disputed this though XXXX. My dispute Report # XXXX and on XX/XX/XXXX, they told me that it was verified as accurate, which can not be the case because I never went to school there and this is not my debt. This is however hurting my credit report and my score and hurting my process of buying a house. The amount of this debt is {$260.00}. This account was opened in XX/XX/XXXX in XXXX XXXX MI. I however live in XXXX OH. And at the time of this situation i was currently XXXX and it was impossible for me to enroll into that or any other school.
i sent a personal check to the united states treasury for XXXX for taxes on XX/XX/XXXX. the  check came back in my bank statement so i assumed the united states treasury received. on XX/XX/XXXX i received a letter from the united states treasury stating they never received my check. i called them on the XX/XX/XXXX and gave them the check number ect. apparantly the check was fished out of a postal mailbox and cashed at XXXX XXXX XXXX on XX/XX/XXXX. my bank is pnc and that is where the money was drawn from. i went to the bank and they have a fraud claim in. i went to the police and they made a report. i went to the post office and they have a fraud claim in. i contacted the us treasury and sent them all this imformation. meanwhile i now owe the treasury more with taxes and penalties, i have not heard anything yet and am i out this money or will the bank make good for this.? i still have to pay the treasury department. any imformation you can give me will be helpfull.
XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from severe XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate
The mortgage broker caused me to lose {$1200.00} because of their incompetence. They misfiled paperwork and ignored my calls questioning why I was n't hearing back from them with any information. After finally looking into the matter they found that the paperwork was " misfiled ''. I had to pay an extension fine of {$370.00} to HUD for a 15 day extension in which I asked the brokerage firm to give me priority so I could close before the end of the extension. That closing date came and went and I had to file for another extension ( {$370.00} for another 15 days that HUD allows ) and that closing date also was not met. HUD must have the paper work to them 5 days prior to closing date or prior to end of extension to complete their end. In the meantime I also paid for the bank 's appraisal at {$510.00}. So when they were not going to meet the extension deadline for the 3rd time, my realtor asked HUD to work with me if I were to find a different mortgage broker and they said they would let me as long as I paid another extension fee. Which would have actually been 2 more as a new mortgage takes 3-4 weeks and the extensions for HUD are only 15 days each. I asked the original mortgage company to pay me for my loss and they told me no.
EXPERIAN CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$780.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Credit Limit - Highest Balance {$4400.00} Terms 1 Months On Record UntilXX/XX/XXXX
I disputed this item with TransUnion and ask for the contract to prove accuracy because with the information given on the credit report i can't identify the item and they response was that this item is accurate, though i did not received no contract. A item in the amount of {$1000.00} is being reported by XXXX XXXX XXXX on my credit report and i will like this item removed from my credit report.
On XXXX XXXX, 2017 I applied for a car loan with Toyota Dealer in XXXX, Md. Before they submitted my credit information I had a major concern about too many credit inquiries. The financial team told me that they only pull one credit report. I checked my recent credit report today and there are three additional credit inquiries on my credit report from Toyota.
Was not provided with a TRUTH IN LENDING DISCLOSURE or a HUD prior to sitting at the settlement table. I do have copies of several emails I sent requesting this information beginning 14 days prior to the scheduled settlement date.
Call the let them know this was a mistake and i have turn in the equipment ans send prof and the refuse to respond Still saying i did not i sent them and dish even i send them prof of me getting charge
On XX/XX/17 I sent .XXXX BTC from my XXXX account to my XXXX account. It was completed on XXXX part and sent to XXXX/Coinbase. My Coinbase account said that they received the BTC and supposedly sent it to my XXXX account. It even says that its completed. However, on my XXXX account I have no BTC and no history of the transaction. And there is nothing nothing on Coinbase either. I have tried messaging every day for the past week and have received no reply from them even acknowledging the situation.
The company, West Asset Management, repeatedly calls me on my cell phone refuses to identify why they are calling and states repeatedly " I have your Social Security Number now you need to verify it for me. ''
On Friday XXXX my sister received a call/voicemail on her personal cell phone asking for me by my nickname ( not legal name ). The caller was XXXX XXXX asking to return call to XXXX XXXX. My sister called me worried that there was a problem ... I returned the call and XXXX XXXX did not identify herself as working for a debt collection agency until I asked specifically. XXXX XXXX requested personal identifying information before identifying her companies business. I refused to provide information beyond my birth year which confirmed the alleged debtor was not me. I asked XXXX XXXX which company she worked for and she told me XXXX. I then asked why they would contact a family member for debt collection for a debt which was easily identifiable as not mine. I asked XXXX XXXX for her companies federal tax ID number for complaint purposes and she said she was unable to provide it. I was then transferred to a supervisor who identified herself as XXXX XXXX. XXXX XXXX identified her company as GC services which is incorporated in the state of Texas. XXXX XXXX again refused to provide a federal tax ID number. She refused to tell me if the company had any DBA 's or subsidiaries. She then refused to provide me a contact number for herself. She also attempted to acquire personal identifying information from myself and did not disclose the purpose of the phone contact. In Summary XXXXGC Services contacted a relative on a personal cell phone regarding a debt that was easily identifiable ( even by birth year ) as not belonging to me.. when contacted the company representatives did not disclose their purpose and asked for personal identifying information. Management then refused to provide company information even so much as a contract phone number extension.
I was getting a mail information to get a loan, and I was applying for that, but I changed my mind due to high APR. i never received any money, but they were keep calling me at home and on my cellphones and every time i was trying to pick it up, it gets cut off. I find out that the person who was applying was using my name as an email XXXXXXXXXXXX which was not my email address.
My mortgage company is OWCEN Financial and recently my wife passed away from XXXX. Like many households my wife took care of all the bills and finances. My wife passed away on XXXX XXXX, 2015 she was quickly laid to rest and I begun the process of figuring out our bills. I contacted OWCEN around XXXX XXXX to informed them my wife had passed and our household account that was in wife name was frozen. I also informed OCWEN that I would be able to make the mortgage payment in the morning as I had to have funds transferred from another source. I paid the bill on XXXX XXXX 2015 as promised. I was informed that I would have to pay a late fee I was respectfully incensed but agreed. I was also informed that this late payment would be reported to the credit bureaus. I asked again given the nature of the situation would they reconsider not doing that and they told me there was absolutely nothing they could do. My credit at the time was XXXX. With their reporting of late payments my credit score took a dive to XXXX. Now keep in mind our other residence is finance by XXXX XXXX. Like OCWEN I went to XXXX XXXX mortgage gave them all the same documentation they made a call to their servicing center and everything was corrected and no late fee was accessed. Reliable and industry respected resources have told me that OCWEN like XXXX XXXX could have done something given the hardship. I asked XXXX to request OCWEN to reconsider and OCWEN up held their decision. It felt like a predatory type of feeling and experience when communicating with OCWEN. So I started to dig more and I now realize their deal. We had mortgage the house years back when rates where higher and before our loan was sold to OCWEN. I believe OCWEN is quick to ignore legitimate and verifiable hardship and compassion request and quick to use credit reporting practices to lock loans so they ca n't be refinanced. I 'm trying to refinance my house now and after explaining what was my situation I may be able to leave OCWEN. While sitting at my desk I XXXX " what people are saying about OCWEN '' WOW!! Not surprising what I was feeling was further confirmed. XXXX I 'm not the only person having challenges with OCWEN. I mean recent accounts as recent as this year and this month people are having serious and unfortunate experiences with OCWEN. Not to mention that CFPB has had to investigate them in the past. The way they do business is more than borderline sleeze. Not sure what but there needs to something done with OCWEN as people are losing their homes, incurring increase expenses and the customer services experience is for sure predatory.
Diversified Consultant is reporting to the credit bureau that I owe a XXXX account in the amount of {$980.00}. Accounting to my credit report the account was open X/X/2015. I have never had an account with XXXX. I have ask for Diversified Consultant over 5 times to validate the debt and they have failed to do so. My rights under the Fair Debt Collection Practices Act ( FDCPA ) states I have the right to request the creditor to prove that the account belongs to me. Diversified Consultant has not done so. The only information they have been able to provide is a computer print out of a XXXX bill. This information does n't proves it belong to me nor does it proves I have a signed agreement with the creditor.