WillisBack/dataset-financial-user-claim huggingface dataset:
Between XXXX and XXXX of XXXX while researching investments via the world wide web I came across an advertisement of sweepstakes Income machines that would be placed in " HIGH TRAFFIC '' areas and would produce residual income, this investment vehicle was the " XXXX '' of self made XXXX XXXX XXXX. 


After making contact with their office and talking to XXXX XXXX XXXX and XXXX XXXX XXXX, they eventually convinced me to make the investment of which i was eager to invest in something i believed to be a legitimate business opportunity. On XXXX XXXX, XXXX I deposited {$4900.00} into what i thought was a legitimate bank account at the Bank of America branch in downtown XXXX at XXXX XXXX time, Bank of America is responsible for my fund deposited into their Institution as well as allowing an account to be opened for the purpose of " MONEY LAUNDERING '' in a " PONZI SCHEME ''. 


My Customer receipt Information : XXXX XXXX XXXX/XXXX/XXXX XXXX Entity NIL XXXX XXXX XXXX # XXXX R/T # XXXX $ XXXX FDIC Member XXXX XXXX XXXX XXXX, XXXX i received a congradulatory letter XXXX XXXX and XXXX. informing me also that they had received my investment monies and that my XXXX XXXX Machine will be placed within XXXX days of the letter they sent me. 
XXXX the XXXX, XXXX I received another letter from XXXX XXXX and or XXXX XXXX, XXXX. regarding the delay of placing my XXXX XXXX Machine due to the increase in investors and that due to the delay they would have my placed, up and running with 10 % interest within 45 days from the above mentioned mentioned date. 


After several unsuccessful attempts to contac and or connect with the above mentioned XXXX XXXX, XXXX. employees and XXXX XXXX him self, i began to file complaints with local authorities in an effort to get back my {$49000.00}. 

XXXX XXXX. XXXX i filed a complaint with the Attorney General 's Office # XXXX XXXX, XXXX file a complaint with the Illinois XXXX XXXX XXXX, XXXX at XXXX i contacted Bank of America Corporate office and spoke with XXXX who said that she would communicate my concerns to Chairman and CEO XXXX XXXX whom of which i have n't from as of the date of this complaint. Ref # XXXX. 


XXXX XXXX, his employee 's, agents are responsible to the general public for the safeguard and protection of all financial and or tangible assets deposited into their institutions and are responsible for my {$4900.00} deposited into their downtown XXXX branch on XXXX XXXX, XXXX at XXXX. 


Bank of America and its Directors, CEO, Agents and employees ' are held to the " HIGHEST ESTEEM '' to safeguard the public form " FRAUD '' and " MONEY LAUNDERING '' within their institutions, " THEY HAVE FAILED ''!!!!
Barclay Card closed my credit card accounts. I was NEVER late on even one payment. I NEVER defaulted on any amount owed with them ; I have paid them every cent that was owed and did it on-time or before it was due. For whatever reason, which they never gave me, they decided to close the accounts and take from me the rewards that were rightfully mine as they were earned under proper circumstances. Again, I was never late on a payment or missed one either. I 'm asking CFPB to help me get my rewards back.
On XX/XX/XXXX, contacted bank to inquiry about a missing credit from a merchant that was submitted to my card on XX/XX/XXXX, from merchant XXXX in the amount of XXXX SGD ( XXXX Dollars ). After explaining to the customer service representative that merchant had already provided 3 of the 4 credits XXXX had sent me, she advised that a dispute would be filed for the fourth and missing credit. She further advised that the disputed amount would be credited to my account while the dispute was researched and that I would receive a letter confirming same. However, because I have received neither the credit or letter confirming same, I am of belief and suspicion that the dispute has never been processed. When contacting merchant ( XXXX ) they advise that the fourth credit has been submitted to bank ( credit card ) and have provided me with the transaction id, yet the credit in the amount of XXXX SGD has not posted to my credit card statement.
On XX/XX/XXXX I opened an account with XXXX XXXX XXXX XXXX and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, Equifax, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit report.
SPS has taken advantage of us twice. We are 3-4 months behind on payments because they messed up on a MOD that they will not correct. I have written a letter to XXXX XXXX today letting him know we want help.We just want them to correct their mistake and catch up out payments. They raised our interest rate 1.5 % in a new MOD. We didnt find that out until we made our trial payments. When we complained we went into review. Nobody told us to make payment while in review. Long story short if they would listen to their recorded calls theyd know they caused this. We 've been taken advantage of enough! Im tired of trying to catch these payments up with NO help!
I have been disputing a transaction with XXXX regarding a purchase that I am 100 % completely DISSATISFIED with for almost a year now. I have filed a " claims and defense dispute '' and they refuse to follow federal guidelines and the guidelines on their own credit card disclosure. 

I have tried to successfully resolve this matter with merchant, and also have witnesses. 
I have purchased it with their credit card. It was purchased within the 100 miles distance stated on their disclosure and the federal guidelines. 
It costs more than {$50.00} - ( ACUTAL PRICE : {$2800.00} ) I have provided XXXXy with over 200 pages of supporting documentation and they have just been over looked as if they meant nothing. 

It states under FTC and federal guidelines for a claims and defense dispute - billing rules do not apply.The dispute should be addressed as a claims and defense dispute and be opened regardless if there is a contract or not. 

" You can request a chargeback under the claims and defenses provision for any legal reason you have to cancel a sale directly with the seller, including if there's a problem with the quality of the merchandise. You have up to one year from the statement date to make a claim. You must meet four requirements : The disputed amount must be over {$50.00} ; you must be able to prove that you made a good-faith effort to obtain a refund or credit directly from the seller ; you can dispute only up to the outstanding balance on your card ( if your balance is zero, you can't use this provision ) ; and the merchant must be within 100 miles of your home and in your home state. ''
On XX/XX/XXXX, I applied for a credit card transfer with XXXX XXXX XXXX and was denied with incorrect information! I contacted XXXX XXXX XXXX about this matter and the representative told me that I had to file a dispute! But I contacted Experian to ask them to file a dispute. They told me that the Bank knows that they have to take care of this matter themselves and that their Experian representative will be contacting them. As a consumer I have a right to protect my credit report especially when there are inconsistencies on it! Also, I contacted XXXX XXXX XXXX once again about the issue today XX/XX/XXXX and was told that incorrect information would not affect the decision! How can a consumer protect their credit report? Or the Banks are not held accountable for reporting incorrect information? This impacts my credit report greatly! Does the consumer not have any rights! It seems like the banks and big businesses have all the control and rights over the small consumers! They have the control over dedicating montenary value! In other words, who gets what, how much and preventing others from acquiring personal property etc. and affecting their life styles! Not fair!
The XXXX group located at XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, MI is servicing my loan. Last month XXXX was servicing my loan. I paid XXXX my full mortgage payment and the funds were taken from my account. TowneMortgage group is now charging me for XXXX full mortgage bills and XXXX still has my money. I have been trying to get in touch with both groups for 3 days with no calls back or response. I have also been trying to remove the PMI off my loan and XXXX has never responded to my requests. Please help.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, TX XXXX ph : XXXX XXXX XXXX, email : XXXX Date : XX/XX/XXXX To : Consumer Finance Protection Bureau Dear Sir or Madam : Re : Fraudulent Billing by AmeriSave Mortgage Corporation Loan XXXX XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, ph : XXXX, fax # XXXX fraudulently overcharged {$830.00} in my Loan # closed on XX/XX/XXXX. Collected a total of {$2400.00} towards Impounds/Escrows, itemized as County Property Tax {$970.00} Home Owners Insurance XXXX MUD Taxes XXXX Total {$2400.00} whereas during transfer of Loan Service to XXXX XXXX transferred {$1800.00}, owing a balance f {$520.00} Offered a Lender Credit ( page 5 of AmeriSave Disclosure Statement dated XX/XX/XXXX ) of {$230.00}, whereas paid {$29.00}, owing balance {$200.00}. 

Multiple attempts made to obtain clarification of these transaction, but AmeriSave Mortgage Corporation refused to respond, but transferred the Mortgage Loan Service to XXXX XXXX XXXX XXXX. In addition, the interest rate offered was based on an erroneous Credit Report. Credit File corrected and I requested XXXX to review for a better interest rate, but they refused to respond. Rushed me to sign a second disclosure and closed the loan. 

I request your intervention to please facilitate payment of the overcharged {$830.00} as soon as possible. 

Thank you XXXX XXXX
I reviewed your latest statement to CFPB ( case no. XXXX on XXXX XXXX, XXXX. ) I recalculated the figures using your statements on XXXX XXXX, XXXX and may have misunderstood my previous calculations ; however, I still determined CitiBank overcharged me {$6.00} and unfairly charged {$15.00} for a payoff by wire fee after escrow closed, which they can not do. 

If you will, please review the {$21.00} of overcharges described above. I believe that is extent of the overcharges now by CitiBank which should be refunded back to me.
My mortgage company does n't have all of my loan origination documents and they claim they are missing my original amortization schedule. I only know this because I called in to make sure PMI would automatically remove itself next month when my LTV hits 78 %, based on the original schedule. I am currently well below that. The company and their reps basically told me that since they do n't have the original amortization schedule that it would n't be removed. Per the PMI removal regulations ( " When the balance drops to 78 %, the mortgage servicer is required to eliminate PMI. '' ) I do n't feel that the company is meeting their requirement as a mortgage servicer.
I have submitted several disputes with Transunion in regards to an unrecognized Bankruptcy. A fraud Alert has been placed on all three credit files, however Transunion is currently reporting inaccurate information. I have requested that Transunion validate the Bankruptcy as per section 609 of the Fair Credit Reporting Act. I have also contacted the County Clerk of XXXX County to verify if any Bankruptcy has been registered to either myself or my husband and no such case is showing open and/or closed. I don't see any other credit bureaus reporting inaccurate information only Transunion. Please resolve this issue immediately, this issue has been the reason why we have not been able to qualify for our first home as First Time Home Buyers.
On XX/XX/2017 XXXX XXXX appeared on my credit report with a balance of {$400.00} I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Applied for modification Bank of America advised on XXXX/XXXX/2014 they have a complete package. On XXXX XXXX was advised that approval letter was sent out, questioned about doing a short sale, was told if that is what I want must send in writing want a short sale and opting out of modification process. Which is what I did.To date Bank Of America still has me as being modified and I never was. FHA will not allow short sale if was modified, which is not correct I know of other people who have been through this process
A review with XXXX XXXX XXXX started in XXXX of XXXX. A call to XXXX XXXX, at XXXX XXXX XXXX on XX/XX/XXXX stated that all documents were deemed to be complete. This review carried on into XXXX with no decision yet and then a call on XX/XX/XXXX to XXXX XXXX XXXX advised that they had service transferred the loan to Select Portfolio Servicing on XX/XX/XXXX but failed to send anything about this service transfer till XX/XX/XXXX ( leaving over a month of not notifying the client of who was currently servicing the loan ). When contact was made with Select Portfolio Servicing finally on XX/XX/XXXX they stated that they did not transfer the review and they needed a complete new packet. They were required to follow the same servicing guidelines as the previous servicer and because they did not, they made the client who would have been eligible for a Making Home Affordable Modification review not eligible since the program ended on XX/XX/XXXX. The review should have continued from the previous servicer and eligibility for the Making Home Affordable Program should have been reviewed. Since the servicing of the loan was not properly transferred the client improperly was denied an option for loss mitigation assistance. The result of the most resent review states that they denied the modification review because of it being " a bad business decision '' and that the loan is not eligible to be modified. In a QWR response by the previous servicer, the owner of the note is named as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was a participate in the National Mortgage Settlement Agreement. As participants, the consent judgement XXXX XXXX XXXX XXXX. signed requires them to review for a modification to make the loan more affordable. The consent judgement order from the courts dated XX/XX/XXXX changed that servicing requirement for XXXX XXXX XXXX XXXX owned and serviced loans investor guidelines where they might prefer not to as specified in the original mortgage note. In this consent judgement there is not a provision for a denial based on " bad business decision. '' They also are required to advise of the financial information that they used to make the decision ( gross income and household expense calculation ) which they are not. The denial leaves it completely unknown as to the information they used to reach their decision.
In 2006 I had an account with Wells Fargo in XXXX, My husband and I decided to move to XXXX. I waited until we had moved to XXXX to close the account because I used the debit card going through XXXX. When I got to XXXX, I closed the account the XXXX of 2006. At the time, there was an amount of {$36.00} which I withdrew Nearly two years ago, I recieved a call from Wells Fargo telling me that I owed them {$300.00} for this account that had monthly fees that had built up. I told them that I had closed the account. The paperwork ( over 7 years ago ) had been lost due to moving and a fire in our storage shed. I did not hear amything until today when my daughter in XXXX had a process server show up at her house looking for me! I called the number they gave her and a representative Now they are telling me that I owe them over {$800.00}! They said that I have to make a physical appearance if I decide to go to court and if I lose they will charge me over {$3000.00} for the attorney fees. They said they tried to serve me but they did not have my physical address to do so and could not physically serve me at the mailbox I use. I do not owe them anything and this is ridiculous! I would n't do business with these people for any amount of money and at the time of the closing of the account, I was tired of their fees and policies and customer service. Now they tell me that I owe them some huge amount of money for an account that I closed?? I am on XXXX and they are threatening to take my vehicle and attach my check when it is deposited. They are going to serve me again but I can not afford to pay this and I do not owe it. They are scamming to get money. HELP!
In 2011, we lost our home in XXXX XXXX, Indiana, in a short sale. Our mortgages were being held by XXXX XXXX and XXXX XXXX. Neither of these companies still exist ( or so we have been told ).  We lived in Illinoos at that time and recently received a letter from the Treasurer of Illinois that they are holding funds as unclaimed property due to an Insurance claim that was submitted on our behalf as a result of the final inspection of the property ( something apparently to do with hail damage to the roof ). 

Since the funds are assigned to both mortgage companies listed above as well as ourselves, how is it possible to receive these funds? 

Is there anything at all that can be done?
There saying I received a payday loan that I have know knowledge of I contract the bank and they do not see the fund deposit in the account are on my past statement from the closed account.
I contacted his collection company about a debt they said I owed. They never contacted me, I was updated my credit information and got an alert that a collection was added to my credit report. I immediately disputed that claim via on line. I then received a letter in the mail a few weeks later from the collection agency. I sent a certified letter to their company for them to validate this claim on XX/XX/XXXX. Today I received a letter from some attorneys office, with a letter attached with information they are claiming is mine and from me. It has a address that Ive never lived at, a phone # that is not mine and a email that was hatched years ago and is no longer in use. I called this company and the lady who answer, answered like it was her personal phone and not and attorneys office. She did not tell me who she was, or who she worked for. Only when I said I received a letter from some lawyers office is when she asked me my name and address. I then explain to her this is not my debt, Ive never enrolled in a training class online. She did says well I got the information from them and its you and we can settled with a payment. I said this is a identity theft and Im reporting your company. She then says, it was a XXXX dollar payment paid at enrollment but was declined. I explain to her why would I sign up for a online school, that requires XXXX dollars and it get declined. I said I had fraud alrert put on my social security number as well as my bank account and bank cards, that email and address is on the black list and my information was sold. I explain I will have my lawyer deal with this because Ive had this same company try to get money years ago doing the same thing. That was also proven to be fraud. She then say get your lawyer and we will deal with them too.
As most people do, I work very hard and pay my bills. I deposit my checks from work, and in return pay my bills. Before paying my bills or taking money out to give to roommates to pay my share of the bills, I check my account. I do not have the specific dates on hand as to Wells Fargo closing my account. Basically what happened is : I checked my account, paid all my bills that were due. A couple of days later, I get gas at the gas station and buy myself a soda. I check my account, still plenty of money in there. Good. Awesome. Next couple of days, get a soda from the store, {$5.00} here, {$2.00} there. Check my account, - {$600.00}. And some change. Excuse me??? Over 10 of the charges were $ XXXX/ each of overdraft fees. {$350.00}, in overdraft fees! I had even taken a picture of my check in my online statement SHOWING that my deposit had gone through. Well, as I was explained to by a banker. The bank has the right to hold on to my money, and unfortunately even though my account says I am in the green, it is my responsibility to keep accurate records of my transactions, and to not trust what it shows when checking my balance online ( the banker literally told me to not trust what their company shows me! ) They would n't take off any of the overdraft fees. So basically, they showed my deposits ( cash and a check ), as deposited/ cleared. Held on to them, so when I paid my bills and bought a soda at the store, they were taken as a negative plus a charge because they were holding my money. This resulted in me not only losing money that I had worked very very hard for, but also made me struggle to come up with extra money to pay off overdraft fees. After a month of pulling overtime, I paid the bank around {$400.00}. 8 days later when I had the remaining {$120.00}, I went to deposit the money and my card was n't working. I went into the bank and spoke with a banker. They had closed my account and sent it to collections. I had not received any notification, no email, phone call, or letter in the mail. How can they take {$400.00} of my hard earned money and close my account within days of showing good faith? The main issue was, they had already taken all of my money. I was losing money by paying them overdraft fees that should n't have been there in the first place. My bank should be trusted with my money and to not only hold on to my money, but to also be trusted to not cause their customers financial strains.
There appears to be a tax lien reporting on my report. I do not recognize this report. I went down to the courthouse to verify with the clerk that this is actually mine. It does not belong to me. In fact, the social security number is not stated on the lien. Please verify and get back to me with the proof in writing that the lien belongs to me with the clerk 's name, the time and date of the call and verification of my social security number. The clerk advised me that they do not report any information to the credit bureaus and they do not keep any record of the social security number due to the file being sealed and that only a court order can open this file. So this is going to be fun to witness.
I filed a complaint on this website about a 30 day late payment and the company responded that I wasnt ever 30 days late. I asked Ditech to update my credit reports back in XX/XX/XXXX and as of today XX/XX/2018 nothing was updated. My credit is seriously impacted by this 30 day late on my credit report. I was denied opening up a new account today because of my 30 days late being reported.
THIS LOAN IS NOT MINE, I FILED PAPERS WITH MOBILOANS, AND NOW THEY HAVE SENT ME TO COLLECTIONS. THIS HAS CAUSED A NEGATIVE TO M Y CREDIT SCORE  AND I 'M JUST TRYING TO GET THIS HANDLED. APPARENTLY WITH JUST SOME BASIC INFORMATION YOU CAN OBTAIN A LOAN WITH THIS COMPANY WITHOUT VERIFICATION