WillisBack/dataset-financial-user-claim huggingface dataset:
I had started a mortgage modification .... I was told they will give me a relief program what I was not aware of at the end of the year I would have to pay double plus the payment and my balance of loan went higher .... I ask  Select Portfolio why the y gave me this loan .... they said ok we will help you now they gave me a interest only loan and said if I do not take it they will foreclose my home ... .. I wanted to appeal and they told me if I did this they would not accept my next payment ... .. This is why I am trying to save my home and if the balance of my loan keeps increasing I will never be able to save my home .... I have  XXXX  children and my family close to me who help me take my children to school while I work .... Please I have sent a letter to our  Congressman   XXXX   XXXX  for assistance .... I have complied with every request from SPS and now my loan is worse and higher ... .. Please help me save my home I also have sent a letter to  U.S Treasury Dept.  Please help me.     Sincerely,  XXXX   XXXX
I receive frequent calls, sometimes multiple times in a day, during non-business hours for the past month. I have never been in debt and owe no debt.
A friend had used my name as gas pull offs and went to court in my name, have about 10 total debts because of this and a XXXX on my record for it but was never able to report this for personal reasons. They are charging me taking taxes from me for this debt and its not mine
I am with the title company and Prime lending does this on several deals I have had them on the other side more than a handful. As for them working with Title to get CD worked up and making sure that we are balanced they do not we get figures and when we do get figures its a couple of hours before we are to close then we are pending the wire and loan docs to come over. ( buyers and sellers are sitting at the table for hours vs. an hour and half that it normally does. They send out only their lender cd with their fees there are no other fees being disclosed like transfer fees HOA dues etc. This is very frustrating and I have had buyers at the table very frustrated and annoyed at their process. 

I have attached initial request to prime lending on XXXX/XXXX/2015 requesting CD so we can balance with their net funding and cash to close for buyer. still at this time we still do not have anything from them this closing has been delayed from XXXX/XXXX/2015 to XXXX/XXXX/2015.
I was fixing my credit report it had been 7 years since my problems started. when I started disputes with credit bureaus collection agencies started sending letters they had n't before then. I wrote letters to original creditors some no response. XXXX, XXXX, XXXX XXXX Banks and XXXX of XXXX XXXX XXXX banks ( I had XXXX of the XXXX that are reported others duplicate had XXXX XXXX XXXX card then another XXXX was sent with name changed to XXXX XXXX XXXX XXXX. ( they took no accounts off my report but changed info. to closed no missed payments All accounts were sold to other companies after wrote off. This is when collection agencies began letters to me and changed all the opening and closing dates. I do n't no where dates came from could be made up or dates they bought my contracts but I have bank statements proving there wrong but bureaus took there dates as true only way they could prove those dates would be to falsify there records. Their hurting me by keeping my credit bad an it stops me from getting medical help I need. I do n't have cash for all I need so I need credit
Hi, I refinance my house with Lenox financial which I was told the check I wrote during the escrow would be refunded to me but only about half was return. The realtor has stopped working with me and does n't return my call or my email complaint. Could you please help? XXXX XXXX
On XX/XX/2017, I sent a request for debt validation to National Credit Management. I received a response back dated XX/XX/2017 with insufficient information to prove that the account had been transferred to this agency AND stated that the agency would CEASE all collection activities. Subsequently, AFTER I demanded validation NCM illegally ADDED this account to my credit report as I was alerted to a new account on my credit bureau on XX/XX/2017. I submitted a compliant via CFPB where NMC agreed to CLOSE the account and return it to the original creditor. This action of CLOSING the account is insufficient as this company continues to ILLEGALLY report FALSE information on my credit report. I am demanding that all references to this account be IMMEDIATELY deleted from ALL credit reporting agencies and I be paid {$1000.00} for each reporting instance including both XXXX and XXXX for a total of {$2000.00}. I am in the process of applying for credit and this is ILLEGALLY damaging my credit rating. I am attaching a copy of my letter to NCM, the certified letter receipt, and the NCM debt validation response letter including attachments that NO WHERE state that this account has effectively been transferred to this agency for collection purposes.
I am filing this complaint against PNC Bank due to the loss of my home of 15 years. The main mortgage holder was  XXXX  and  PNC  was 2nd. I lost my job due to illness and I was in a Short sale with my home. I was owing PNC under {$10000.00} and  XXXX  Mortgage was willing to pay {$6000.00} of that money and paperwork was submitted to  PNC  over 3 times of the  XXXX  to get their approval of the {$6000.00} as I had a buyer and the home was sold and the closing date was set but anyone who had my file would not, did not return our calls. Also the title company was trying to reach them and PNC would not return their calls either. In turn, I lost my buyer and my home was acutioned off for much less then the contract price due to the negligents of PNC not co operatin g. 2 real estate agents did not get paid for their time and work, I will now need to file bankruptcy, my neighbors value of their homes have gone down and the buyer lost a lot of money in fees. PNC had  10 days to sign off on the paperwork and neglected to even return a phone call either way. I even physically went to the  XXXX  Ohio branch and spoke to someone in the short sale Dept.
I am a victim of identity theft. I have filed numerous police reports with the XXXX Police Department in regards to the fraudulent accounts and hard inquiries listed on my Trans Union, XXXX and XXXX credit report. I have sent copies of the police reports to Trans Union, XXXX and XXXX. The following accounts and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$1000.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, {$260.00}, XXXX/XXXX/XXXX, XXXX, {$130.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXXt. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
This company is trying to collect a debt that has already been removed from my report. XXXX Collections tried to collect the debt last summer, and reported it to XXXX. I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by Diversified Consultants as they are trying to collect it.
XXXX XXXX XXXX 5 accounts are reporting inaccurately.

The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX and was paid, closed, never late.XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.
On XX/XX/XXXX I went to XXXX XXXX XXXX to withdraw XXXX $ I got a receipt that said invalid entry please try again. No money dispensed so I thought I would try for XXXX $ thinking it 's the hoilday maybe the time machine is low on money. I get a receipt that says please contact your merchant. I thought I would go try another XXXX XXXX time machine. I pulled over and checked my account from my mobile app and the XXXX $ dollors was deducter from my account and the transaction shows completed. I am using an American express prepaid card that was issued from XXXX XXXX tax service 2 years ago and I have direct deposit from my employer. I called customer service and filed an disbuet. They said someone will contact me within three business days by email. They also wanted me to send a written request to a fax number. I did that aling with receipts from the transaction. There policy says it can take 10 days to receive a temporary credit and 45 days for a compleate investigation. I went to XXXX XXXX office located in XXXX and was told they would check there records and call me back. They called to say they were balanced so the card holder has to be overby XXXX . They concluded they investigation on XX/XX/XXXX and the email said that they were informed that the money was dispensed from the merchant. I filed a dispute with American express.I then took that e mail back to the corporate office and was told that this was not true. The North shore rep from the electronic department And I had a conference call with.American express and was told that they are not able to connect us to the dispute team, they only contact was email and were not able to provide that information either. Well since I had a fax and email from them we then faced a written letter from XXXX XXXX rep, there star transaction showing all transaction and the amounts aking with my transaction showing no funds were dispensed. I am currently waiting to see the outcome and hopefully a credit for XXXX $ Only contact information I have is this email that they are asking me to fax to XXXX and a fax of XXXX XXXX XXXX XXXX XXXX rep were very kind and are willing to get video footage if they can.
This company calls me XXXX a day and XXXX day. I have spoke to numerous representatives explaining that I am unable to make a payment due to my change in employment. I also asked if they could minimize the repetitive phone calls to my house and the lady representative shared tthat the only way to stop the calls is to pay the debt in full. Finally after going back and fourth with this worker, she asked if she could call my personal cell phone. I told her absolutely not and she said the Only way to stop that is to write a letter to the company. After becoming frustrated with this worker I hung up and landed here.
On XX/XX/2018 I went into agreement with XXXX XXXX XXXX who's Merchant name is " XXXX XXXX XXXX XXXX '' to rent a vacation rental property in XXXX. The agreed amount was {$1500.00} ( {$210.00} per night ) I paid with Capital One Credit card.

I paid to Merchant {$1800.00} including {$300.00} refundable security deposit ( paid in cash ).

The Merchant was dishonest, the property was poorly maintained, dirty, was infested by cockroaches and there was an intense sewage smell coming from one of the bathrooms. We contacted Merchant and asked to correct the problems. They failed to correct the problems. We moved out after one night and we purchased a separate hotel for the rest of our vacation.

Merchant refused to issue ANY refund. They kept {$1800.00}, which is more than agreement. They never refunded me security deposit against their own policies.

I contacted Capital One Visa card. They initially issued a refund. They requested additional information. I sent them pictures, video, a letter describing in details what has happened. I sent the requested documentation by certified mail with returned receipt. Couple days later I called and I spoke with Capital One representative who confirmed that all the documentation was received, the documentation is complete and that I have proven my case.

Two weeks later I've received a letter from Capital One.

Capital One has closed my case, reapplied the charges to my account because " lack of previously requested information ''.

How is it possible that two weeks earlier Capital One confirmed receiving all necessary documentation, confirmed validity and then two weeks later reapplied charges back, claiming they didn't?

Capital One Visa failed to protect me as a customer from dishonest Merchant. They claim they do and that there is {$0.00} responsibility on fraudulent activities. It didn't work in my case.
On my Experian credit report, my address is listed incorrectly as XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. 

Also, Experian continues to incorrectly report that there is a judgment against me by XXXX XXXX in the amount of {$1600.00}.
I filed a dispute with Chase XXXX re : a charge from XXXX Hello, This dispute has been going on for 3 months now and I expect this to be swiftly handled by the Chase team. I am explaining the entire dispute here AND have attached all supporting documentation. 

XXXX/XXXX/XXXX - Reservation booked through XXXX XXXX for {$950.00} ( attachment pages XXXX ) XXXX/XXXX/XXXX - XXXX changed my reservation without consulting me to XXXX ( attachement pages XXXX ) XXXX/XXXX/XXXX - I called XXXX regarding changed reservation since it was not the reservation I paid for. XXXX offered to refund the reservation instead since they could not honor the original reservation. ( attachment pages XXXX ) XXXX/XXXX/XXXX - Followed up with XXXX who said the reservation had been refunded to my original credit card. ( attachment page XXXX ) The refund email clearly shows that the amount has been refunded to card number ending in XXXX [ Chase XXXX XXXX Card ] So, in this entire ordeal, which merchant is lying to the consumer. Either XXXX or Chase is. If you would like further documentation, please contact me at XXXX XXXX. 

Regards, XXXX
Original account was XXXX XXXX/XXXX. Acct No XXXX. 
XXXX XXXX XXXX XXXX, MN XXXX I do not owe this bill and know it. Many attempts were made, and I have challenge this debit for two years. I have repeatedly asked XXXX XXXX to confirm the debit that I owed the amount ~856.00 or remove it from my credit profile. with no notification account was sold. Thus, in XX/XX/XXXX XXXX XXXX removed the account from all 3 reports. Subsequently XX/XX/XXXX the account showed up on my XXXX credit report. with out proving their case XXXX XXXX sold there claim to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX This debt collector has failed to contact me as of XX/XX/XXXX and their report date shows XX/XX/XXXX ( nothing was there till XX/XX/XXXX ). XXXX XXXX has taken action to report on my credit report with out proof of debit. I have responded by sending XXXX XXXX a letter that demands proof that the debit was actually incurred by me. ( Logic dictates if XXXX XXXX could not prove their claim neither can XXXX XXXX ). 


I feel your agency is the last hope for an equatable solution to this harassment. thank you for your in advance help XXXX XXXX
In XXXX of this year, I received notification from my bank, Wells Fargo , NA, that my safe deposit box fees were increasing from $ XXXX to $ XXXX ( minus a {$5.00} discount, to total $ XXXX. I inquired on line with their customer service as this was more than a 40 % increase and I had not changed the size of the box. My reply from them on XXXX XXXX, 2015, was that they could not help me but to contact my local branch. I went to the local branch and was told by XXXX of the tellers that they had not heard about the increase in fees but I should speak with the branch manager who was out that day to see if there was anything they could do. They promised to have her call me the next day when she returned. I waited several days but she did not call me. I went to the branch about a week later and said that no one had called me. They promised to have her call me again. I never did hear from her or anyone else from the branch. I would like to know if this experience is typical and can banks charge these outrageous fees with no recourse to the customer other than moving my business? I am seriously considering moving my business but my credit union has a six month wait list for new customers lock boxes.
On XX/XX/XXXX, Mon. about XXXXXXXX XXXX. I opened up mail at my home to find out a secured credit card had been requested in my name and {$500.00}. was debited from my checking acct. I immediately got on the phone with the bank, and on hold, I discovered my e-mail was compromised, over 15k e-mails. Then I still was on hold and accessed my on-line bank acct, to find out there was a wire transfer ( also unrequested ) that was PROCESSING. When the Rep. answered the phone I told her that {$1000.00}. was PROCESSING, I had to hang up and withdraw my money. She said, let me help you, by the time you get to the bank, it will be gone. I told her You don't understand, I did not authorize it. She said she would take care of me. I have spoken to numerous people over 24 bank people in the following 48 hours. It has been a month and I STILL have yet to see m {$1000.00}. The bank did put back my secured credit of {$500.00}. and cancelled the card. That is it. They denied my claim, even thought they said it was sent to XXXX in XXXX XXXX 's name. I never was informed my case was closed, now they tell me the e-mail was sent to my work e-mail which I never provided. I had to reopen the case. I want help in this fraudulent action against me. I also have filed a police report. The claim is XXXX at B of A.
CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report. FTC ID Theft Report # XXXX
XXXX has multiple accounts with my social security number attached to them in states i have never resided in. as a result the debt collectors have reported them to my credit report which is hurting my credit.
i contacted com cast., the collectors. and the reporting agencies. to date nothing has changed after 6 months
XX/XX/2016 while apply for a new apartment my wife and I found out that we have a judgement that was entered on our credit report for the amount of XXXX for XXXX. we called them to knew more about the debt. they reffered us to their legal department that is base in North Carolina what is Sessoms & Rogers PA. we contacted them also to knew more about the debt, the loan. they tald me that the amount of debt was XXXX and we ask them for the original contract and they said, it has been requested and we will get all document supporting the jugment on our credit report, we wait 6 months we did not receive any supporting document just the bill the last couples of day I called them again and again .they seems not to give us a satisfactory responses that is why i am filing this complain
I made a payment on XX/XX/XXXX from the wrong business account ( XXXX XXXX spark ). The check was returned NSF. When I realized I made the payment from my other business account XXXX XXXX so that I would be on time. That payment posted XX/XX/XXXX/18. I put money in the XXXX XXXX account on XX/XX/XXXX and they withdrew the payment from my account but never posted to my American Express. I have called 3 times and the representatives keep telling me the check was returned. I called XXXX XXXX XXXX and they said since its on line payment the funds are gone. 

NO FUNDS have been posted to my American Express and no money placed back in my account
I am being harassed by RMS Reverse Mortgage Services through whom I obtained a Reverse Mortgage last year. I have signed and returned three times, in the self-addressed envelope they provided, their letter of request for Certification of Occupancy. They continue to telephone me, threatening foreclosure. When I call them back, they insist they have never received my signed letters. Twice now they have left anonymous letters at my home, once entering my closed gate to leave it in my screen door, and yesterday a guest brought me another anonymous letter which was left on my front gate. Last week, in another telephone call from RMS insisting no signed letter of Occupancy has ever been received from me, I asked them to email a fourth such letter, said I would sign a fourth Certification of Occupancy, scan and return by email to RMS. Their agent agreed to email me the letter. I have received no such email, and yesterday 's delivery by my guest of their anonymous letter is the last straw. I have attached a copy of the first letter and envelope stuck in my screen door. 

I have excellent credit and should not have to put up with nasty phone calls and threatening letters. The only money I owe to RMS is the reverse mortgage they are accruing interest on each month, which will be paid if I sell my house or die.
My mortgage was transferred from XXXX to M and T Bank effectiveXX/XX/XXXX XXXX. M and T bank charged us a XXXX fee with our XXXX payment to them. 
They claimed it was from XXXX bank, but we did not have a balance with XXXX. 
Our account was up to date. I called them and they refused to remove the charge. 
account XXXX
My account was not over drawn as I checked with Chase to validate.I gave a check to a Company that was working on my property.The name XXXX XXXX check # XXXX for XXXX dollars.I had given him checks before from the same account, He went to Chase Bank at XXXX XXXX XXXX XXXX and he was denied so he called me and i spoke to the bank person who told me he didn't know what was wrong.XXXX XXXX then went to a second Chase location at XXXX XXXX XXXX and the same thing occurred by this time i was seething. I am in XXXX California 30 miles from him and he needed to pay child support. I told him to meet me at The Chase Bank at XXXX XXXX XXXX in XXXX XXXX and we were helped by XXXX XXXX who was courteous and tried everything including calling Chase and verified I had the funds. ( XXXX ) his phone number.I tried the first and wrote a second check that cleared and then bounced.I was over 2 hours of down time and facing 2 bridge tolls and a shooting that had tied up XXXX XXXX in XXXX XXXX.I then told them to withdraw cash as XXXX was up a creek with Child Support.I am baffled and disappointed in Chase.
After paying my bill on time for over a year CareCredit ( Synchrony Bank ) applied {$700.00} in interest because I had not paid the entire balance within a certain amount of time. This is such a awful way to do business. I feel it was a sneak attack. When I called the manger XXXX at CareCredit was rude and talked to me like I was stupid. He told me it was the terms of my contract and I should have read the contact before agreeing to it. When a person is sick with pain and in need of CARE the last thing they are thinking about is a contract. That was my situation when I initially signed up for this service. Why not just get the money up front, Why hit someone after the fact with deferred interest. It is just cruel and a deceptive scheme hoping people wo n't read the fine print. They are predators. I will tell everyone I know Not to do business with such uncaring greedy people.
BAC LN XXXX  XXXX XXXX XXXX, XXXX XXXX  CA XXXX   XXXX XXXX XXXX XXXX  The homeowner is DEAD. I have faxed in the authorization, copy of death certificate, and the probate paperwork. ( see attached ) Bank of America is REFUSING TO PROVIDE A PAYOFF DEMAND TO ME AS THE AUTHORIZED THIRD PARTY.

WHY is Bank of America allowed to do this -- - isnt this ILLEGAL????????????????

I want a payoff demand immediately and without further delay.