WillisBack/dataset-financial-user-claim huggingface dataset:
I had been having problems paying my mortgage due to a job loss a few years back, then was going through a divorce. My mortgage was with XXXX until late XXXX, then was sold to Nationstar Mortgage whom i had never heard of. Applied for several modifications, I was denied every time. My wife and I reconciled, but I was too far behind to save the home. Eventually the foreclosure process started, which was fine, decided to short sale the home as it was better than a foreclosure on my credit also, was told would be able to get relocation fees to help me move my family to another residence. Well we started the short sale process in XX/XX/XXXX, had to go to court numerous times, due to Nationstar not communicating about anything with their own attorneys missing days of work, without pay, due to the fact that the equator system and it 's reviewers were always months and months behind. In late XX/XX/XXXX the furnace gave out and we did not have the funds to replace it as it was approx. $ XXXX {$4000.00} to replace. We found an apartment, and borrowed from friends and family to be able to move in in XX/XX/XXXX. Had several buyers on several different occasions for the property however, because of the " backlog '' with equator and XXXX, none of them wanted to wait it out. Finally had a buyer that was willing to wait it out, and it is now time to submit the HUD, XXXX will not give any sort of relocation fee whatsoever. All paperwork received regarding foreclosure alternatives from XXXX states an advantage to their short sale program is relocation fees, my realtor has been submitting over and over, per Nationstar Mortgage 's advice to keep the relocation fee on the final closing paperwork. Fast forward to today XX/XX/XXXX, still no closing date, and its a year and a half later. XXXX is nothing but bullies, they do whatever they want regardless of what they have printed in black and white, there is an excuse for everything, I am most definitely having every piece of paper I have from Nationstar as well as XXXX looked over by an attorney, I am not going to be bullied by them like a lot of other people are, it 's time the gov't does something to protect the people!!!! HAD I KNOWN THEY WERE SUCH BULLIES AND HYPOCRITES I WOULDVE FILED BANKRUPTCY AND LEFT THEM WITH NOTHNING!!!!!!!
My FHA mortgage loan is currently serviced by Wells Fargo. Wells Fargo has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Wells Fargo is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Wells Fargo has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency.

Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Wells Fargo is obligated to process the loan modification with transparency. Wells Fargo has refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XX/XX/XXXX. 

Based on the violations listed herein, I am seeking your assistance on this matter. Wells Fargo has set a foreclosure sale date of XX/XX/XXXX.
My account with Coinbase was locked after transferring money from my bitcoin vault to bitcoin wallet. I was not even sending bitcoin to a third party. I was simply moving my bitcoin in a way that would make it easier for me to monetize depending on what occurred regarding the potential hard fork of the blockchain surrounding the XXXX upgrade. XX/XX/XXXX - CoinBase locked my account. I created a service ticket that day and received an automated response. XX/XX/XXXX - I received another automated message from " XXXX XXXX '' asking if I was still experiencing my problem and to reply to the email with details/screenshots/error messages. I immediately sent an email with screenshots of the locked account message ( see attachment ). XX/XX/XXXX - After receiving no update, I sent a followup email.
XX/XX/XXXX - I have still received no additional communication from Coinbase and sent another followup email. XX/XX/XXXX - " XXXX XXXX '' from Coinbase support emails a mass email at XXXX XXXX that is not related to my problem whatsoever. It is evident from this email that no one from Coinbase has read anything I 've written them to date. XX/XX/XXXX - I catch up on email and read the email sent by " XXXX XXXX '' last night and sent a message back that his response was in no way helpful. I resend the screenshot of my locked account message. XX/XX/XXXX - I have received no communication since my last email on XX/XX/XXXX. I 've only ever received mass mailing communication from Coinbase support 's " XXXX XXXX '' Searching for examples of other people who have experienced problems with Coinbase, I discovered that many individuals have had their accounts unavailable for up to 6 weeks while seeking a resolution.
I filed chapter XXXX bankruptcy in XXXX 2012. I included in my bankruptcy a bill from a company named XXXX. The bill was for residential garbage collection from my house that was vacant and being foreclosed. 
XXXX has given the bill to a collection company named Puget Sound Collections and they are currently trying to collect the amount past due. 
I 've contacted Puget Sound Collections several times and let them know this bill was part of a chapter XXXX bankruptcy filing. I 've even sent a copy of the list of creditors from my bankruptcy to Puget Sound Collections. It clearly states that this bill was part of my bankruptcy. 
They refuse to remove this from my credit report. It 's causing severe damage to my credit score and am in need of assistance getting Puget Sound Collections to remove this from my credit report.
Equifax 's poor security practices and mishandling of sensitive data resulted in a data breach that included all of my sensitive financial data, including my SSN, DOB, full name, address, etc. This was part of the hack that occurred over a month ago, which they failed to inform me of.
On XXXX/XXXX/15, we received a phone call from a company claiming to be representing XXXX XXXX regarding a past due bill for a doctor 's appointment that took place in XXXX 2015. Knowing that this was most likely a scam, we asked the person calling for a return phone number, at which time she hung up. From our caller ID log, we obtained the phone number and called them back. A live person did answer the phone with the name of a supposed collection agency - however, when pressed for more information, the person hung up. We called XXXX XXXX directly and were told by a customer service representative in their billing department that there were no outstanding invoices. The XXXX XXXX representative was also able to provide us with the name and address of the collection agency that called us when we gave him their phone number. He also confirmed that XXXX XXXX does NOT do any business with the company who called us. Here is the information on the deceptive agency : Holloway Credit Solutions, XXXX XXXX XXXX, XXXX, AL XXXX - ph ( XXXX ) XXXXThank you.
Allied Collection Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, calls my cell phone daily XXXX or XXXX times during the week, Mon-Friday. I do not have any debts, active or inactive and have no explanation why this company is calling my personal cell phone, they are on call block as I have nothing to discuss with them and my level of aggravation would be detrimental to my health.
I just had a back grown check on me for a job and in getting a copy of the report, I see that it has a listing showing me living in XXXX. I have never even been to XXXX. I would like this taken off my Consumer Report.
Once AGAIN my report is indicating I have multiple student loans negatively effecting my credit report and score. They are still reporting payment history that was mandated be removed from my date of bankruptcy to prior to and has n't been done and its been almo st 2 yrs. Their loans are past the federal guidelines of 7-10 yrs A LSO effecting my credit negatively.  XXXX  doesnt exist any longer. And I have  XXXX  consolidated loan. There are no multiple student loans. I 'm tired of submitting investigations this is going on 2 years
Several letters were written to XXXX to VALIDATE a debt reported by XXXX XXXX as well as several hard inquiries to my credit report due to identity theft. XXXXXXXX XXXX was never validated so needs to be removed. It was removed XX/XX/XXXXbut then re-inserted without a 5 day written notice. I've never received a validated contract with my signature nor have I received a detailed bill validating the charges. This is violation of my consumer rights under the FCRA.
Almost month and half ago I got an Annual Account Disclosure Statement from Statebridge Company. Me and my husband noticed an error in calculating of a shortage of my escrow account.   Statebridge wrote d own   XXXX   XXXX    you - {$2800.00} twice i n  XX/XX/XXXX  and  XX/XX/XXXX  in  st ead once only. This error has been corrected a few days ago, but we have gotten bigger problem now.   Statebridge wants us to pay a cushion of {$2000.00}. We spoke already with Statebridge representatives and sent numerous emails to  Escrow  Department, but they did n't want to remove it.   The cushion is big difference for us, it is {$170.00} more than our monthly payment. We can not afford it, because we have to pay a shortage of {$460.00} and Anticipated Payments to escrow of {$1300.00}. In addition,  in  XX/XX/XXXX  our princip  al payment will be raised to 4.75 %, so our monthly payment will go up to {$3200.00} - {$500.0 0} more than we pay now. We would never apply for such loan or be accepted by a mortgage company.   Under RESPA Statue a lender is not required to maintain a cushion. We have never paid a cushion in the past. This is a modification loan, issued by  XXXX  and transferred to  Statebridge for servicing only. Also, we called Statebridge to pay off  our current escrow balance - {$460.00}, but the representatives did not want to accept it.   We would like to make payments on time like before, and in our opinion the cushion is not necessary. Our property tax fo r  XX/XX/XXXX / XX/XX/XXXX  will be low er than previo us one. Enclo sed a letter from    XXXX   XXXX   XXXX  ,  signed by the mayor of  XXXX , that our city tax rate will be much lower than current  one. It goes down to 3.29, so 2.6 % lower than current 3.38 one. Also  you can see our tax assessment fo r  XX/XX/XXXX . Acc ording to our calculation, if  Statebridge  does not set up a cushion, we should get a credit for next period.   We would like to be good customers, pay our monthly payments on time, this is good for a mortgage company too.   We think there is no reason to set up a cushion for us. It seems that Statebridge Company wants to collect extra money from us.   But we hope, we can solve this problem together.   Thank you,  XXXX   XXXX
First National Collection Bureau Inc made a settlement offer of {$210.00} for a debt collection totalling {$540.00}. I have paid this settlement and the Cresditor refuses to mark this debt as settled in my credit report 30 days after payment as promised. Instead it was left open as being an unpaid debt.
XX/XX/18- Recieved in the mail HSBC Mastercard credit cards for my wife and myself that we never applied for nor want. I spent 25 minutes on the phone getting these cards canceled and want to be sure that they are never activated.
I disputed this account with the company due to identity theft and they failed to provide proof that the account belonged to me and failed to removed it from my credit reports.
I qualified for the  Capital One Venture One re wards card. I thought I had three months from my first purchase to spend {$1000.00} to obtain  XXXX  bonus reward miles. But it turned out to be less than  three  months since they start when they approve the card, not when you actually get the card and first use it.     I was never told about the deadline. I am a longtime banking customer with  Capital One  and think they should have told me when I neared the deadline. I thought I had until  XXXX   XXXX ,   XXXX  , but it turned out I only had until  XXXX   XXXX ,   XXXX  . I ended up {$13.00} short of {$1000.00}. I called on  XXXX   XXXX  and they would not extend the date or give me any other allowances, even though I have been a longtime  Capital One  customer.     If I had known the exact deadline I would have spent well over {$1000.00} by then. I feel this is misleading because the exact deadline date should be specified. Usually in such promotions in my experience, it is from when you first make a purchase, not when the card is approved.
I was told by a XXXX XXXX Bank representative that my account will continue to be in good standing as long as I made a payment in the bank directly before a specific date. After doing so they credit grantor closed my account! The account is showing as a charge off for lack of payment although that is n't true.
I initially called the company Collection Consultants of California to dispute the accuracy of a single derogatory remark on my credit report. After I disputed this information, the company then listed XXXX other separate remarks for various amounts on my report. I called to try to pay the amounts that are listed on my report and they said that it would n't matter because I have many amounts that are due to this company. Not only are some of them over XXXX years old, I 've contacted the originator of the claims. If these are all debts from XXXX creditor being sent to XXXX collection agency, they should only be listed on my report once, not four times. This should be considered illegal, especially because I feel that this was done purposefully by their staff after I submitted my original dispute. If they are listed individually on my report, I should be able to pay them individually to have them removed.
I closed my XXXX last XX/XX/XXXX and also closed my Costco account. 
I got a credit from Costco on XX/XX/2016 for {$55.00} on the XXXX that I then closed. Costco changed credit card companies months later and I got a new Citi ( Costco ) card that I did not want or order. I never activated it. Now almost a year later I am getting late notices from Citi that I have not paid my bill and they have added {$25.00} in late fees. 
I called them last month and told them I never opened a card and they said that they would close it. So now today I get another bill from Citi that I am XXXX past due. This is fraudulent since I never opened the card and at the time of their transition, I was not a customer of XXXX or Costco. I have great credit and now it will be wrecked over this fraudulent charge. I am getting no where with Citi.
Check was declined because of Certegy authentication failed. The validation report provided acknowledges they dont have access to my account balance. How can they decline checks without knowing my account balance?
Caliber Home Loans assumed servicing of our home mortgage from XXXX on XXXX XXXX, XXXX. For XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX we did not receive monthly statements with Caliber. The first monthly statement we received was dated XXXX XXXX, XXXX. We have repeatedly requested that Caliber send us the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. In response to a previous complaint, they responded on XXXX XXXX, XXXX : " We are still investigating why you did not receive the statements in XXXX and XXXX XXXX and XXXX XXXX. '' To date we have not received the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX AND XXXX XXXX. Please see page XXXX of the attached letter for confirmation of Caliber 's statement. 

We need these statements because XXXX has recently confirmed that they did not post our XXXX XXXX, XXXX payment to our account. Subsequently this caused a cascade of problems with Caliber. Caliber has been unwilling to address these missing statements or provide relief for the mistake made on XXXX XXXX, XXXX. They have corrected problems in our account that occurred in XXXX and XXXX XXXX but have not addressed the XXXX XXXX, XXXX issue.
On XXXX XXXX, XXXX made a charge to my Wells Fargo debit card in the amount of {$340.00}. This was not credited to my XXXX account ( my XXXX account has been up to date for over a decade and belongs to one house in XXXX, Georgia -- the charge on XXXX/XXXX/XXXX was from XXXX in XXXX, Florida ). I called XXXX on the XXXX ( and the charge was still " pending '' in my account ) and the person on the XXXX line said they could not find the charge in any of their systems, and I needed to call my bank. I called Wells Fargo the same day, and told them it was an unauthorized charge. They said they would start the charge dispute process and get back to me. On XXXX, I received a phone call and a letter from the Wells Fargo dispute center saying they needed more information, so I called them back. The lady on the phone at that time said thew dispute claim was brand new as of the XXXX ( she could find no record of my original call on the XXXX ), but they had given me a temporary credit. The claim number was # XXXX and they listed the cause as " charged wrong amount '' which I told them was incorrect. I should not have been charged at all on that date. The wells fargo representative then told me she would investigate and get back to me. Less than a month later, I received a letter from Wells Fargo saying they did not receive the information they requested from me ( which I do n't understand because I talked to a representative in person and she said she would proceed with the investigation ), and they were taking the credit to my account back because they found the charges were made by me or someone with my permission and to consider my claim closed. I can assure you I have n't made a false claim accusation in the past decade as a loyal wells fargo customer and no one had my permission to use my card for a Florida XXXX account. The fact that a company that literally stole and abused the identities of thousands of their own customers would call me a liar is inexcusable. I want other people to know the kind of abuse that they will be subjected to when they just expect their bank to do the one primary job of protecting their customer 's money.
I disputed online with XXXX Account XXXX XXXX XXXX XXXX in the amount of XXXX dollars. This was listed on my XXXX report this is not my account. I have had a problem with identity theft so I have alerts set up when something is added to my credit report. I want XXXX to verify this information to which they can not. I want this item deleted from my credit report immediately. I will also be mailing XXXX a dispute letter from my attorney.
I closed my Macy 's credit account leaving a XXXX balance but two months in a row they continue to charge me a fee. The first month was {$4.00}, I paid the amount thinking maybe I stilled owed something, Then the following month again the now charge me {$2.00}, I believe this company is taking advantage of consumers.
I HAVE NEVER OPENED AN ACCOUNT WITH XXXX XXXX. LET ALONE OWE THEM " {$190.00}. " ( TRIDENT ) IS MAKING MY LIFE UNBELIEVABLE ... I CAN HONESTLY SAY WITH CERTAINTY AND TRUTHFULNESS THIS XXXX WHOMEVER THEY ARE ... THIS IT'S NOT MY ACCOUNT PLEASE CORRECT YOUR  ERROR AND LEAVE ME ALONE ... ENOUGH!
They claim I owe XXXX and have not show any proof of original sign contract. U.s. department of education located in Tennessee.
Worthless customer service. Wronfull reporting of payment history, overcharges on intrrest, when i request indormation they never send it. Plase help me with this nightmares im sure they have recording of my endless calls
I really need help. I am XXXX and was approved for a medication from Bank of America. Since the medication, I had many expected medical problems last year which resorted to me getting XXXX XXXX. I was also involved with the housing programs. They completely rehabbed my home to accommodate my XXXX. The problem was that I had to move out and continue to keep up all the bills including mortage and utilities and rent somewhere else just to live and I had to pay rent there. They XXXX County promised me that it would be no longer that 90day and instead it I was out for 180 days which messed up my pockets. I have been sending money until they stopped accepting it. I also do n't understand that under the original modification I was approved. I 'm also getting more money through XXXX and keep getting denied when I was approved with a lesser salary Please help ... .I have no place to go. I have been in my home for over 20 years. I have pleaded and pleaded. I 'm trying to catch up. There has been a change in my circumstances and my financials, No one from Bank of America has asked me for any update nor my XXXX award letter nor and of my medical records. Please, please, please help me save my home.
I did a wire transfer from my credit card. 
The debit entry on my card read as purchase and i have 0 % on purchase till XX/XX/2016. 
The card company chase charged me transaction fee on that purchase. 
the company should have declined the transaction that i would know they would be charging me charges.
Have tried for 3 days in a row ( XX/XX/XXXX thru XX/XX/XXXX ) to access either web site or a customer service person for Equifax to put freeze on credit account. Equifax website continually gives " error '' message and phone calls are never answered.
After a previous complaint on XX/XX/XXXX regarding the amount of time M & T Mortgage was taking to complete the foreclosure on my FHA-back property, the bank moved very quickly to convey the property back to HUD. I followed up with the FHA Resource Center on the status of the matter, and on XX/XX/XXXX, I received the attached communication confirming the conveyance of the property and that the insurance claim for the house was paid on XX/XX/XXXX. As you can also see, FHA is requesting additional information to support my request for a CAIVRS Suppression, because they are using the XX/XX/XXXX date to start the 3 year wait before I can qualify for another federally-backed mortgage ; not the actual foreclosure sale date of XX/XX/XXXX. 
I immediately contacted M & T Mortgage requesting a disposition of the account to include 1 ) the foreclosure sale date, 2 ) the date the property was conveyed back to HUD, 3 ) the date the insurance claim for the mortgage was paid to them, and 4 ) what, if any is their financial interest in the property or me as of the date of my call in an effort to add that to my request for a CAIVRS suppression. On XX/XX/XXXX, I received to attached communication from M & T saying they could not honor my request, and referred me to the XX/XX/XXXX document, also attached, but clearly no longer relevant in light of the recent actions on the account.
XX/XX/XXXX i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX.i tried again XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no one else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries