WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for mortgage and was charged for it along with the appraisal fees after loan officer had input the property itself won't qualify ( guidelines ) I applied for loan # XXXX with XXXX XXXX back on XX/XX/2017 and was charged for the the application along with the appraisal fees later on XX/XX/2017 and XX/XX/2017 respectively and notified on XX/XX/2017 that the loan application was denied. 

The lender claimed that they denied my application because of the high debt, but upon checking the budget for the condo we were trying to finance, the bottom of page 4 says that XXXX is operating at a {$39000.00} loss. I have then come to find that the true reason the lender denied the project is because XXXX requires that the HOA budget operate at a surplus or balance out, and I have confirmed that Movement Mortgage too, like any other bank wouldn't provide a loan in such a case anyway by ( i ) checking with a different Movement loan officer too and ( ii ) checking with another very experienced officer from a different bank who confirmed that no bank would give a loan in this case at all. The reason isn't really the high debt on my end or whatever the mortgage company is claiming therefore. Noting that the bank took so long to deny my application, it was obvious their officers were just trying to prolong the process hoping that I would give up so that I don't blame it on them ( they had the appraisal ordered after they saw the budget, and therefore, shouldn't have ordered it in the first place ). They were extremely irresponsive throughout the process ( so many e-mails I sent they didn't respond to, including the last one I sent requesting a refund ). 
I am attaching the very lengthy correspondence I have had with XXXX XXXX, another Movement loan officer, and with XXXX XXXX, an independent loan officer from another bank too, proving that neither mortgage officers and banks would have approved the loan because of the outstanding debt the budget of the condo complex had in 2017 ( i.e. not because of the so-claimed high debt the officer I worked with claimed ). I am also including the correspondence with XXXX XXXX, from the complex management company indicating that she is aware of the budget deficit too. 

I am also attaching the HoA budget statement and the denial letter I received from the mortgage company.
I have student loans through Navient, I believe they are federal student loans although I am not positive. It is proving impossible to get any information from the company. When I first started working after college in XXXX / XXXX I reached out to Navient to discuss payment options. They put me in an income repayment plan that was described to me as having a low monthly payment made up of both principal and interest. At the end of each year I notice that my balance has not been reduced. Looking a the monthly payments they are almost exclusivity made up of interest payments, taking nothing off of the principal balance. Whenever I reach out to Navient for information on the plan or to discus the other payment options available to me I get bounced around from person to person. No one can provide me with a clear answer and no one can explain the principal to interest ratio of my payments. They are misleading and unhelpful, you can not even find an account statement online.
Valley National bank has charged me fees when I transfer money from my XXXX account. Each time that I transfer from XXXX, it says it is free. Valley national bank did not provide information that they charge fees when using this mobile service, XXXX.

I have been charged for over 20 dollars.
I should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.
I bought home and it has been transferred to Chase bank under M e r s. 
Chase did not report a lot of my payments. I had to file bankruptcy to keep Chase from stealing my home. I paid my home and I have been asking Chase to send me all of my statements but they refuse. I have equity in my home that was stolen. This is so wrong. Please Help Me!!!
This loan goes back to XXXX when I became homeless, and lost my job due to XXXX XXXX in XXXX. I have a balance of {$20000.00} I believe, I am currently in XXXX school and I received a call from ACS, I told them that I am in school and my loan should be in deferment. XXXX XXXX XXXX has posted the information to the XXXX XXXX where XXXX XXXX my present loan servicer was able to access the information. If I am in school am I supposed to have the XXXX school send information to ACS directly, or is it their responsibility to get the information from the XXXX XXXX? 

I do not want them to adversely affect my credit because of this. 

Please let me know what my options are?
It will show up on my account that no payment is due and then they will come back saying I owe double and I can have late fees/penalties. It 's not usually accurate and it messes up my finances every month.
My husband bought me a {$25.00} netSpend gift card for my birthday in XXXX, which I had been saving until I found the right gift. When I tried to use it tonight, they refused to honor it because " it had n't been activated in time '', even though the front of the card says " good thru XXXX ''.
BBVA Compass pr olonged process to deposit insurance check. I received an insurance check to pay for damage to my home. I went to deposit the insurance check at the local BBVS Compass branch, was told I would need to complete pages of forms and mail the check to Alabama processing. After that it would t ake 10-15 d ays to process and return endorsed check. Real ly? BBVA Compass g ets to hold my check for almost a month?? In the meantime I 'm  out $ 12,000+ in  personal funds. Ouch.
I have sent over five letters to this company portfolio recovery. I clearly want them to validate the debt. A request for a signed proof of contract to substantiate their claim. Provide me with a certified copy of an original signed contract, naming their company as a person entitled to enforce a commercial claim against me. Also a clause that the original creditor can assign this debt to anyone. Also proof of sale between the creditor and the debt collection company. Also a complete payment history including signed copies of canceled checks. Certification can be done through the presence of a notary public, who swears the copy made is in fact a copy of the original paper contract in question. The Fair Credit Act states the debt has to be 100 percent verifiable. If they fail to meet this minimum threshold requested above they should take the derogatory information off my credit report. The claim I owe XXXX XXXX {$440.00} I deny the debt and assert my rights under the fair credit act.
XX/XX/2018 HSBC account opened account and funded with {$100000.00}. 
Per terms of the agreement a bonus deposit of {$750.00} would be paid if the balance is maintained for 90 days. According to the terms, the bonus would be paid within 60 days of meeting the 90 day obligation. It is now well beyond the stated time frame as of writing this complaint on XX/XX/2018. The bank said they would research but failed to respond within their stated research timeframe. Additional inquiry has yielded no information.
I Open a New Account With Keybank XX/XX/2016. and for some reason keybank froze and locked my new account on XX/XX/2016. because i have a previous balance with XXXX and its affecting my credit score with all Bank i the US. and i made a deposit of {$320.00} dollars on the new account i open with keybank. and this issue is coming from the previous account i had in the pass with XXXX that was send into collection charge off. i am currently on a process on having my credit fix with XXXX.
Hello, I reached out to I.Q. Data International , Inc. ( also know as, Rent Collect Global ) to settle an unpaid balance that I owed. After dealing with one person on XXXX, and a rude associate today on XXXX, I finally spoke to the operations director. Due to my financial constraints, I am not able to make the full payment of {$5400.00} at this time. I requested to set up payments, and they denied that saying that I need to find another way to pay the debit in full. They recommended taking out a personal loan with XXXX XXXX XXXX. I went online to apply, and was denied the loan. I called them back to tell them the results, and they said they could n't help me. They made me feel bad that I did n't have other means to pay this in full ; i.e. a credit card, a family/friend, or 401K. They said they would be taking further actions to collect on this debt and that they are reporting this to be credit bureaus, which would affect my credit score. When I asked what the further actions would be taken, they said they did n't know or could n't tell me. I asked to speak to someone that could tell me, and they said there was no one there that could tell me. I asked for another solution and they said there was n't one. To be clear, I ended the conversation saying that I am acknowledging the debt that I owe, I am voluntarily reaching out to you to make good on this debt, I am trying to set up payments to repay the debt, and you are denying me the right to make good and further going to tarnish my credit score. They said correct, and wished me the best of luck. I 've never dealt with anyone in my XXXX years of life that would n't take payments to settle a debt. Its unfair, and not the American way to further ruin my credit when I am trying to make good on a debt. These conversations are all recorded per their policy and can be verified.
This XXXX XXXX Account does not belong to me. XXXX XXXX informed me that this account was charged off my XXXX XXXX XXXX XX/XX/2008. XXXX XXXX has not provided any documents in regards to this Account.Please ask Experian to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.
To Whom It May Concern, On XX/XX/2017 I learned of unauthorized charges to my PNC Bank Checking account. I immediately went into a local PNC Bank branch to report them. 
I was given a new debit card with new numbers. 
On XX/XX/2017, I emailed AND mailed a physical copy of my official request ( in letter form ) to investigate these unauthorized charges. 

The following week, temporary credit was offered by the bank. 
Also during the following week, I had to make another phone call to dispute XXXX additional unauthorized transactions in my account. The transactions involved the SAME company as those attached to the earlier unauthorized transactions. Temporary credit was offered by the bank for these as well. 

It has been 45 days since my visit to the bank and letter was mailed out. 
I want to know if the bank has broken federal law by not resolving this issue ithin 45 days.
i paid a company XXXX on XXXX and XXXX on XXXX with my slate visa card.the merchant name was ap industries which was also operating as XXXX.when i realized i had been defrauded i contacted my slate visa card to dispute the transactions and was told it was to late.my slate visa would not even consider helping me.i repeatedly told them i received no services at all.there must be something that can be done.
On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX  did not remove the hard Inquiry that was placed on my credit report with XXXX XXXX XXXX they placed the Inquiry on my credit report on XX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX XXXX XXXX XXXX  date XX/XX/XXXX that was not autherized by me, and WELLS FARGO CARD SERVICES also pulled my credit report from XXXX  on XX/XX/XXXX. I have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.
US Bank Home Equity Line Of Credit was taken out in XX/XX/XXXX, made interest only payments, started getting behind because of business failure due to The Great Recession. In a XX/XX/XXXX, was served papers from US Bank by a Sheriff, and was forced into Bankruptcy. While in bankruptcy, banks are not allowed to send statements, but as soon as the discharge was done, US Bank was the first to start sending statements again, so I started making payments again, then the loan ballooned and payment triples and I fell behind. I have been paying as much as I can as I am XXXX since XX/XX/XXXX and am unable to work, was unemployed at the time they gave me the loan, hence I do not have an income nor did I have an income back then but I got the loan anyway. They even stooped as low as taking overdraft and late fees out out of my sons account charging as much as {$400.00} dollars within hours, {$39.00} x10 in less than a few hours until I could get them to stop! All of a sudden US Bank stops sending my statements in XX/XX/XXXX because they say that I did not reaffirm after the bankruptcy and that I had fallen through the cracks as I should not have been sending statements! Finally got to talk to someone about this and was told I have 7 days! I have been paying on this loan for 14 years and have less than {$2000.00} that has gone onto the principal, now they are forcing foreclosure on me again which means I have to hire an Attorney or borrow to pay them which would mean less payment to US Bank. These are predatory loans, the terms for people are overwhelming, corrupt and unfair. Their ability to be able to put fear of losing our houses is unconscionable! I have gone to our local US Bank office to seek assistance and was told " it's out of our hands, it's been sent to an Attorney ''. This ridiculous! US Bank is not the first in line for my house and my reputation and credit is ruined! I have consulted with credit counselors with no help available. US Bank states that they have the right to receive or reject payments without waiving any of our herein or otherwise, including the right to proceed with foreclosure!
A letter was sent from ADVANCED CALL CENTER TECHNOLOGIES LLC about a XXXX credit card by XXXX XXXX. 

This company, XXXX credit card XXXX XXXX  changed the address without my authorization. The address on the letter is only a forwarding address to mail to. All correspondence should be sent in a brown envelope with any letter statement with the original address. 

Secondly contact was made with this comp any. I asked them to recall the debt to the 1st party. The rep stated they are XXXX XXXX and can not do that. This company is debt collect tor and not part of XXXX XXXX they are a th ird party. 

ForThe ( insert name ) changed my address without authorization from me the account holder. The company changed it because it was forwarded to a different address only for the purpose for " care of '' mail. The company never notified me for authorization nor was i given notice of the change until i received my mail from the care of address did i notice the company changed it automatically without consent. purposes of this complaint they are to Cease and desist all communication via phone and mail Restore the original address on the statements Recall send the debt back to the 1st party
Bank of America reported fraud to my report on XXXX a few yrs ago. When I found out last XX/XX/XXXX I called BOA and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted XXXX  to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. 
The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with XXXX. So they obviously never investigated nor removed the fraud defamation.
Dear CFPB- I have been informed by HUD/FHA directly that I am eligible for a Unemployment Special Forebearance due to Hurricane Harvey and living in a Presidentially Declared Mandated Disaster Area. 

The agent, XXXX XXXX XXXX Escalation 's Team from HUD has reached out on two occasions to CMS on or about XX/XX/XXXX and XX/XX/XXXX to no avail. As of this letter and speaking with her just yesterday ( XX/XX/XXXX ) C.M.S. has not responded via any type of communication to HUD 's query. 

My RMA application was marked complete by CMS on XX/XX/XXXX and summarily rejected on or about XX/XX/XXXX albeit CMS should be fully aware that per FHA/HUD guidelines I am eligible for this Special Forebearance for a multitude of reasons under HUD 's XXXX XXXX and afforded even additional help per HUD Press Release below : PressRelese Releasehttps : //www.hud.gov/XXXX Also, at this point per FHA/HUD guidelines I am supposed to have a Single Point of Contact to be speaking with to discuss remedies and all available options to save my home .... '' This has not occurred ''. 

I have also filed an appeal with CMS which I am entitled to and heard nothing back on that as of yet. 

But what is most disturbing is they will not respond to FHA/HUD 's query after two ( 2 ) request with CMS knowing knowing full well that time is of the essence and each day counts, literally at this stage. 

Very truly yours, XXXX XXXX Loan No XXXX
Auto was repossessed and sold.Although it was sold, we did not obtain any actual bill of the sale. According to a letter sent, it was sold for way less than it was worth. Also, we were letter told that the company whom we purchased the vehicle from, closed do to illegal dealings.I think it 's unfair to owe such a high balance, when we did n't get a actual bill of sale. The vehicle was almost paid off. I think it would be only fair that this negative impact, be deleted from both me and my wife credit report.
Cap Mgmt Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called Cap Mgmt. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by Cap Mgmt.
Equifax has repeatedly claimed that they have VERIFIED, that XXXX 's claim in collection as reported on my record, is mine. It is not. Then, they repeatedly claim that it is CERTIFIED correct by XXXX. 
Well, I, CERTIFY that they ( Equifax ) are not investigating the matter. They would have found that until the collection was placed on my record XX/XX/2017, I had never been notified of the claim. That date also falls 2 years and one month after the five charges, to one account, were made.

Furthermore, Equifax, is the only CRA showing five charges from the same original Hospital stay as individual accounts.

Equifax continues to report false and misleading information.
XXXX XXXX ( XXXX XXXX with HSBC Bank ) sued me for an old debt that I didn't know I could dispute and requested payment of exempt funds ( Unemployment Insurance of the State of NJ ) for approximately {$1000.00}.

It seems to be a fraud among HSBC, their representatives, XXXX XXXX and their people.

This is not a duplicate. My problem had never been solved.
I have a loan with BMW Bank of North America for my XXXX XXXX since XXXX of 2015. I pay XXXX extra every month on the loan yet my interest each month remains the same. I can not log into my loan online so apply my extra payments to the principal because the website is perpetually down. I get a XXXX error that the connection timed out. I have tried to access the site from home and at work. How can I manage my loan when I can not log into the website?
XXXX XXXX, XXXX years old and in the XXXX XXXX XXXX XXXX, had approximately {$100000.00} taken from him by his nephew, XXXX XXXX. Over a period of many months unauthorized checks were written on the account at Webster Bank and XXXX also destroyed the statements before XXXX could see them. Webster Bank was made aware of the situation and reported it to the CT elder abuse department.  XXXX was eventually XXXX in XXXX, XXXX and XXXX with XXXX XXXX XXXX and XXXX XXXX XXXX Since then XXXX XXXX, who is now the POA for XXXX has been in touch with Webster Bank to try and recover the funds. Representatives at the XXXX XXXX XXXX branch have misled her, lied to her and done everything possible to avoid pursing this. XXXX met with the Branch Manager, XXXX XXXX, on XXXX/XXXX/XXXX again and asked for paperwork showing that any action had been taken and she refused to provide it. XXXX said the bank 's fraud department was not pursing this and when pushed told us to contact the Office of the President. Today, XXXX XXXX we called the number we were given and it was the general info number and not that of the Office of the President. We were on hold with XXXX for over 45 minutes who refused to give us the contact info until he tried to resolve the problem even though we told him that the Branch Manger gave us this number. He eventually provided the contact info so we can send a letter. It 's beyond belief that Webster Bank initiated the investigation which led to XXXX XXXX being XXXX for the theft yet they will not take any action to help recoup this money. They have obstructed every action we 've tried to take since the Fall of XXXX. PLEASE HELP US. XXXX is in XXXX XXXX now and is almost out of money. He will need to go on Title 19 unless we can recoup the {$100000.00} taken from Webster Bank. Thank you for any assistance.
I have currently filed illegal suit in the county of XXXX and given the information contained in the audio recorded with the JPMorgan Chase holding company I firmly believe it's a waste of time see you to spend attorneys fees to defend this case in court and I'm asking politely that you remove this from my credit report please see the link to the audio recording JP Morgan Chase representative supervisor and the documents and the court filing attached below XXXX XXXX XXXX XXXX
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and also XX/XX/XXXX of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I am a victim of identity theft. The accounts XXXX XXXX XXXX and XXXX CARD which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.
This account has been re-aged this account was closed in 2012 I have the original last bill I have asked for this to be removed to no satisfaction this company is violating my rights