WillisBack/dataset-financial-user-claim huggingface dataset:
On the evening of XX/XX/2015 I made arrangements with the Sr. loan officer at Fortren Funding to supply a cashier 's check for the amount of XXXX to forward to a title agent in order to start my new escrow account. Since my old escrow account did not have the substantial amount of funds to satisfy my taxes, I supplied those sufficient amount of funds with that check since according to XXXX the Sr. loan officer and the closing agent, stated that I would be receiving a disbursement check in the amount of XXXX back from my old lender after washing my old escrow account and also would be skipping 2 monthly payments making this transaction costing me {$500.00} from OUT OF POCKET EXPENSES. 2 months later I discovered that a tax payment did not get paid in full to my township and I called XXXX and said he will look into it as adjustments were being made. I also offered to pay the taxes myself and the township said I should not have to if they were escrowed and why was only a partial payment made? I then contacted XXXX again, when we discovered that my car payment had increased and my credit score was destroyed after having outstanding credit and and increased mortgage payment of {$220.00} plus penalties and fees from my current lender causing me to become XXXX from trying to make up losses in which XXXX said to pay temporarily because THERE WAS A HUGE MISTAKE until adjustments start kicking in. A few days later he disconnected his phone and disappeared. I then contacted the management and I spoke to XXXX and he asked me a couple questions and then asked me if I received a disbursement check? I said yes. He stated " there you go..you spent it '' I said yes..He then asked why didn't I pay my taxes with that disbursement. I told him that was not the arrangements I made and furthermore the check was no longer useful to pay taxes in late XXXX when I received from my former lender and even contacted them for sufficient proof. He then told me that only my new lender can help me who ever they are because my loan got all screwed up ... and anyway I skipped 2 monthly payments ... At this time after enormous hardship after my cost of living has increased {$300.00} a month for 3 consecutive years and can not work, I lost my second home and now facing foreclosure on my primary residence and have to live my life as if I am XXXX years old on hospice and my credit history shows up as my Father 's old credit history from over 20 years ago and have an outstanding radiology bill that was transferred to my name as XXXX. I know I have already submitted 20 + complaints about this matter and I know it is a duplicate ... .but however I will stop this from happening to anyone else and will have to handle this on my own as it is now being conspired by other collector 's
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 onXX/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/XXXXthat was not autherized by me, and XXXX XXXX XXXX XXXX   also pulled my credit report from XXXX on XX/XX/XXXXI 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.
XXXX rep totally messed up my credit cra violation cost me on a loan and credit cards ftc violation
Ditech continues to call my employer after they agreed to stop this practice and sent me a letter stating all phone calls to my home, my mobile and my work would stop. I have filed numerous complaints concerning this company and their collection practices. They were fined as part of a class action lawsuit concerning their collection practices. This is the third time they have called my place of work since I received the letter stating they will cease all phone calls. See attached.
I wired {$2200.00} into my account at First Bank Puerto Rico on XX/XX/2017. As of today, XX/XX/2017, it has not been credited or returned. I have made numerous telephone calls and emails to the bank but have been ignored. When I do speak with them, they are dishonest and disingenuous, claiming that it is " illegal '' for them to speak with me. It is illegal for the bank to convert my money and not return it to me.
I took out a loan with PNC Bank in the amount of XXXX for cash in the amount of XXXX and repayment of a prior loan for XXXX The amount of cash was received but the amount to pay off the existing loan was lost by the bank. This occurred in XXXX but I did not realize the load was not cleared until XXXX. The branch at XXXX XXXX XXXX XXXX, XXXX Indiana agreed that the fund were misplaced but it would be corrected. Its been three weeks and no one will reply to my inquires even at their headquarters in XXXX. We do not know what steps to take. My name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In. Phone XXXX E Mail XXXXXXXXXXXX. The branch manager who handled the loan transaction told us that humans make mistake but why does it take so long to correct the problem. The XXXX gentlemen in XXXX that will not return my calls XXXX XXXX, Executive Branch XXXX XXXX XXXX and XXXX ( XXXX ). We would appreciate any assistance available.
A Cashier 's check ( from XXXX XXXX XXXX ) for an amount of {$990.00} was submitted by me to Ally Bank ( via mobile banking app ) on XXXX. As per bank 's policy, my account was credited with {$990.00} on second business day on XXXX. On this basis, I took out the funds on XXXX evening at XXXX EST and I transferred the money via money order to the scamster. 
Next day on XXXX, bank took out the money back saying that the check was fake. I never received any alert to indicate that it was a fake check. If I would have received an alert on XXXX from the bank, I would have stopped the payment of money order that was done on XXXX. I requested Ally bank to refund me the money because as per me, it was bank 's fault to credit the account and secondly, bank didn't alerted me on time. 
Bank is not agreeing to refunding me the money. Their argument is that bank can take back money even after 10 business days. 

I do not understand that how long a customer should wait in order to be sure that nothing is wrong with the check. I need your help in getting the money back from the bank.
I purchased XXXX Ford Fiesta from XXXX XXXX XXXX XXXX, in XXXX of XXXX. I was making my payments on the vehicle. I started to have problems with the car so wanted to trade the car in. Not to mention, did n't have car for a year yet just 9 months. Went to where got car to trade it in. And could n't trade, from XXXX XXXX XXXX XXXX. They were going all around why I could n't trade my car. Went to XXXX to see if I could trade the vehicle there. At XXXX is where I learned of predatory lenders. I learned that I was paying the interest instead of the car. That the finance company ( Skopos ) was charging me XXXX more than what car is worth. So in the contract six years to pay off a XXXX XXXX dollar car that 's only worth between XXXX to XXXX. So I even tried my bank which is a credit union and they wo n't touch it cause they said the car is not worth XXXX. Please help me to get interest rate down which is 17 %.
Nationstar Mortgage has repeatedly reported late payments on a mortgage that clearly ( and repeatedly ) has been shown to not have late payments. Our most recent efforts to correct this began back on XXXX XXXX, 2016 and have been met with nothing but automatic email responses telling us : " Please be advised we have received your email and are currently reviewing your request. You will receive an email response once the review is complete. '' This is unacceptable! A phone call today seems to have resulted in an escalation, but this has happened before without permanent solutions with them.
Discriminatory and predatory lending practices. Issues with proof of income were compounded and delayed by lack of follow up on part of mortgage officer. 
Documents requested by XXXX  were not reviewed for accuracy before being submitted to underwriting. No follow up on part of XXXX anytime borrower called or texted XXXX claimed to be busy with something and unavailable to talk. Loan closing disclosures not providing accurate information despite multiple requests from customer for corrected information. No response from management regarding customer complaints submitted via phone and email. Mortgage officer indicated that he was made aware of customer complaints. Customer believes that mortgage officer intentionally delayed handling of mortgage documents and customer communication as retaliatory response to consumer complaints.
High Point Asset Inc : They called a old work number and other family and friends and I do not appreciate that, they need to stop I do n't owe them anything and neither will they show me anything saying I owe them anything. STOP CALLING ANYONE OR ANYTHING HAVING TO DO WITH ME.
I had applied online and got approved for a Chase XXXX XXXX online. Received the card on XXXX/XXXX/16. For whatever reason, 4 days after receiving the card, Chase chose to suspend the card in the name of " fraudulent application ''. At my request, my husband an authorized user went to a branch, and the branch manager stated we should hear back in XXXX48hours. I called Chase, 24 hours later, and after confirming many answers, was told to wait XXXX48 hours. Subsequently, another 48hours later, I spoke to a Fraud supervisor, and she mentioned that I would have to wait XXXX10 business days till a case worker was assigned. This process does not seem to have an end, or a method to the means. I applied online, I receive a card, and then without asking me ( although I answered many security questions Chase deemed this application as fraudulent ). They are not telling me why? Is this an abuse, by accusing me of doing a fraudulent application when I did apply and verify? Now the Fraud supervisor says the Recovery Department will call me in XXXX10 business days. Also, I have made valid charges, which if not paid can affect my credit, and I have no way of paying it.
I have called and sent letters multiple times to have inquiries removed as I have not authorized them. The response is a standard letter that says they come off the report in 2 years. I did not authorize them and want them removed from my report. These inquiries I am listing below as unauthorized : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am filing a complaint against Bank of America ( BOA ) Credit Card for re-billing a charge of {$380.00} to XXXX TX that occurred XX/XX/XXXX. ( Attachment Item 1 ). I had called XXXX from XXXX using my ( BOA ) credit card to re-book a flight back to the US from XXXX on XX/XX/2016 on XXXX airways. However, when I went to the airport and showed the authorities a copy of the e-mail that I received from XXXX, I was not allowed to board the flight back as the security as very tight at the airport because of the terrorism problems in XXXX. The airport authorities said I could not board the flight without a hard copy of the ticket. I tried calling XXXX from the airport but no one answered the phone. XXXX never even gave me a contact number of XXXX to call and get help. The sudden flare up of the airport security issue caught me by surprise and XXXX could have sent me an email warning me of the situation or even sent me an electronic ticket, but they did not do that. They were of no help after taking my money. Since I was unable to board the flight I had to call XXXX airways directly, to re-book a fresh return ticket for {$680.00} and I returned to the US on XX/XX/2016 ( Attachment Items 2 and 3 ). After returning to the US, I called BOA to complain about XXXX and BOA reversed the charges ( Attachment - Item 4 ). But in the recent BOA statement, this charge of {$380.00} was reapplied with no explanation ( Attachment Item 5 ). I was not given the opportunity to explain and send in the documents to BOA to prove to them why I demanded my money back from XXXX. I would like BOA to refund me money.
I have accounts at Coinbase, XXXX and XXXX. 
I have only transferred my bitcoin from Coinbase to XXXX and then to my XXXX  account so I could purchase other coins No other exchanges. 

I have never converted XXXX back to $ yet. 

On XX/XX/XXXX, as stated beow, my XXXX bitcoin never made it to my XXXX account. 
I have contacted XXXX and they have done nothing yet and its been almost 2 months. 
Please assist me. Thank you. 

The one below for XXXX XXXX never made it to XXXX. 

This is from XXXX HISTORY transfer XXXX XXXX - XX/XX/XXXX XXXX XXXX this one never made it XXXX Transfer ID : XXXX This is my XXXX account showing I received the XXXX Bitcoin, but not the XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX
I paid my bill and in full this is the second time with this company Sychrony Bank keep saying my check is returned when in fact they withdrew the payment and never recieve credit on any of my accounts the only way we finally figured out was thru phone payment .i sent the info proving my payments and was sent texts saying they have me credit and then recieve a new bill thats almost double what it was previously. im spending so much time trying to fight the company its caused many other conflicts in my life to the point im ready to get a lawyer and sue because they dont do anything to resolve anyone 's issue ( in not the only consumer same issue ) i found they were sued for the same type of issues only to reopen under this bank name Synchrony and are ruining many lives as they do the same to others as myself. the attachments they say they have no knowledge of any payments beside the last 2 phone payments .I may have sent doubles but I have plenty of my own but it says not to send personal info on here but really need help theese peoplecare corupt and lie to consumers they have made my XXXX to point im becoming ill from nonstop harrassment from them and i did tell them and a young girl thought it was funny i guess hearing me say this as she became sarcastic to point i could n't talk to her no more plzzzz help they are destroying people 's lives and never help try to resolve anything
XXXX XXXX cashier pushed me to open a credit card. But never gave me a physical card or phone number on how to pay off the card. No guidance on how to set up the account. They called on time for a payment and thought they 'll just call me to collect. But the second purchase I made they did n't call until it was too late
Closing Date. XX/XX/18 Settlement Agent. Smith Cavin & Corbin , LLC File # XXXX Property. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Seller : XXXX XXXX XXXX I'm filing a complaint regrading the monies awarded to the realtors by the settlement agent. Each realtor was to receive {$3100.00} according to the Closing Disclosure and a verbal agreement. Instead the realtors, XXXX and XXXX XXXX XXXX received {$6300.00} each. We tried contacting the parties involved but haven't received a response. We agreed to 6 % commission to be devided between the two realtors. At closing the settlement agent changed the amount agreed upon without our knowledge. Neither a final Closing Disclosure or an admendment were forward to us.The settlement agent also informed us that we didn't have to be present at closing. My mother recently relocated to Delaware due to medical conditions. I would appreciate CFPB looking in this serious matter. Thank you. 


Sincerely XXXX XXXX XXXX
XX/XX/XXXX i received a phone call from XXXX XXXX credit card company that i have behind bills that I have to pay. Over the conversation, I found that somebody is using my identity from the advice from XXXX  XXXX card, I checked credit report and found that there were fraud accounts in my credit report. 
it was XXXX XXXX, XXXX XXXX and PNC bank. I got a police report and dispute all fraud accounts and also contact identity theft goverment. I sent all documentations what credit company asked for and it made them to concluded that it is fraudendent accounts from XXXX  XXXX and XXXX XXXX companies however I never received any answer from PNC bank and on XX/XX/XXXX, so received a phone call from collection agency regarding PNC bank account. I sent documentations that they requested therefore they made concluded that it is fraud account on their side on XX/XX/XXXX and it goes to PNC bank customer service. I contacted them since XX/XX/XXXX till today XX/XX/XXXX, but they never give me any answer or letter or any response therefore I sent police report to their company to proof that this fraudendent but they called me and said that with the police report and do legal action. 
so I am filing a complaint to solve this issue. 

date XX/XX/XXXX till now credit company name is PNC bank the amount is {$15000.00}
XXXX ). On XX/XX/XXXX, I sent my first round of dispute letters to Equifax Credit Bureau, XXXX XXXX and XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, all three bureaus had 30 days to delete all fraudulent information from my credit report. 
XXXX XXXX. On XX/XX/XXXX, I sent three stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. A letter to Equifax Credit Bureau, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, a letter to XXXX XXXX, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, and a letter to XXXX Credit Bureau, by XXXX. Postal Service Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX. These were my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$3600.00}. XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$1200.00}. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$160.00}. My first round of letters for XXXX XXXX, which they were suppose to remove : 08 XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. And my first round of letters for XXXX Credit Bureau, which they were supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$36000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$33000.00}. XXXX, XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$31000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. 
XXXX ). Equifax Credit Bureau, XXXX XXXX and XXXX   Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).
I received a loan from XXXX XXXX in XX/XX/XXXX to Attend College at XXXX XXXX XXXX. I graduated in XX/XX/XXXX. I began repaying the loan to Navientas instructed in approximately XXXX XXXX, due to the fact that I couldnot afford the regular monthly payment, I was enrolled in the ratereduction program all payments were automatically withdrawn from my 'account by Navient . In XXXX XXXX I received correspondence fromNavient stating to contact them if I wanted to renew the rate reductionprogram. I submitted all information that was requested and was deniedenrollment in the rate reduction program based on my cosigner ability topay according to Navient representative XXXX XXXX because shebrought a new car and she should have brought a cheaper car which isjust as reliable and my cosigner would have been able to make $ XXXXmonthly payments. I submitted the form to release my cosigner from myloan, I met all written criteria for the cosigner to be released and was stilldenied by Navient. The $ XXXX monthly payment that Navient is demandingneither my cosigner nor myself can afford and will surely cause me todefault and ruin my credit as well as my cosigner I am asking for yourassistance in having Navient keep my payments at a amount that of nomore that {$380.00} which I can afford and also to please release mycosigner.
diversified consultants has repeatedly called my cell phone number looking for someone with my same last name but not my first name. when I pressed the customer service rep as to how they got my name she said " we use an " auto dialer '' and a number pops up on my screen. I do n't do any research or have any information on the debt. We have technology that says this might be the right number '' She advised that she could n't remove my number from their system or tell me anything about the debt since my first name was different. 

Using Auto dialers is ILLEGAL and they should be stopped and fined.
Discover Card does not apply payments above the minimum payment to the highest interest rate first. I have not used the Discover card to pay for anything in months and am trying to pay off debt with the balance transfer. A significant share of the balance is currently in a higher purchase interest rate at this point and a small share has a low promotional rate, yet when making a payment with significant amount added to the minimum payment, only a small fraction of this excess payment is allocated to the highest interest rate. 

I have called Discover and emailed them. Both times they XXXX me with " you can not see this from the statements as it goes by average daily balance ''. Funny thing is, it seems to work when I make two payments, one for the minimum balance and one extra, on the same day, though they will not even credit two payments in one day but the extra payment with a 24 hour delay compared to the minimum amount payment ( and I make these payments within 5 minutes of each other in the morning ). And, every other credit card we have had, we could lower our interest by paying off the balance with higher payments, not so this Discover card. The interest stalls though we pay off every month. And their answer is " well your balance is going down ''. All I saw go down over the past 8 months was the promotional interest rate balance until I split up the payment last month. 

My husband has a card with them as well and we made a payment of {$1000.00} extra, and this payment was allocated to the highest balance, no problem clearly visible on the next months statement. I do not make extra payments of XXXX dollars, we pay an additional few hundred dollars each month. They cheat when it comes to one payment in excess of the minimum payment to the point that I have had months when my interest has not only stalled but increased as they shift the balance. 

Best regards, XXXX XXXX