WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a credit card on the XX/XX/XXXX and decided to cancel application. Capital one took {$300.00} out from my account. They said they have issued a refund. I called more than 10 times now I am so upset how they lie over and over about my refund. They said, its going to be mailed after 7 business days. Everytime i call they make an excuse telling i should.have it in 10 days, tomorrow or next month. I called again today the XX/XX/XXXX, i was surprised when they said that i dont habe an account with them. My customer number and name is not in their system. I called the same number everytime
It started about XXXX years ago, after the birth of our " XXXX '', which needless to say was a surprise. At that time both my wife and i were both employed. 
My wife had her job eliminated, we were in need of financial relief and applied for the Making Your Home Affordable several time and were told we did n't qualify. After several years of financial difficulty we saw something strange happening to the house. 
I discovered I had a Sinkhole under part of my house, and the whole process for that began. 
After exhausting all options and also the financial help from relatives, we were faced with few options. 
Sinkhole under the house and now in debt i was forced into Bankruptcy. 
I retained a Lawyer to guide me through the bankruptcy process, and after several missed mortgage payment I get a call and I magically now qualify for assistance, so i looked into and it was for $ XXXX- {$100.00} relief a month for a limited time. 
That 's it, i was denied all other offers. 
So after that i continued with the Bankruptcy process. 
I was granted the Chapter XXXX due to all the circumstances and moved on with my life. 
I am still in a legal battle with my Insurance company over the Sink hole. 
After about XXXX more years, and now a year after my discharged Chapter XXXX i receive a Notice of Sale on my home, I fully understand the situation and move out prior to the sale date to avoid any issues. 
XXXX days after the sale i receive a letter stating the home sale was stopped by the bank. 
I do n't understand. 
The house they would n't help me with is now abandoned. 
I did everything possible to assist them, created no problems, didnt fight. 
I am now bankrupt, no home, I have a wife and XXXX kids, now living in a small townhouse, not my house that I worked my whole life for, to build and want to raise our kids in. 
I have had to surrender our family dog who was too big to go with us, we gave away the kids horse and now all I want is for it to be put behind me. 
Due to the sink hole, out of fear my wife stopped sleeping on that side of the house, XXXX. Dont ' think that has not created any issues. 
I also was diagnosed with a XXXX which requires a XXXX and XXXX. 
That is Not a XXXX. It just presented itself one day, doctors have no idea. 
Try XXXX ... .... 
My lender Bank of America has done nothing to help, and now they keep the house from auction, I do not want anything to do with the house anymore, but since they did not sell it, I do not feel i should be responsible for it or the XXXX acres it is on. 
I really want this to end it is tearing my family apart. 
I never needed anybody 's help, not family, friends and sure did not need the government to bail me out, but when I really needed assistance I was denied. 
I pay my taxes, I have my own medical insurance, I support my family. 
So for doing all the right things, trying as hard as I could, I have a XXXX, a bankruptcy, soon a foreclosure and no home to count on for my family 's financial future.
My issue is that there are several XXXX dollars worth of deposit transactions to a couple of foreign binary options brokers that turned out to be fraudulent. The merchant, that is, turned out to be fraudulent. It is illegal for these merchants to do business with United States citizens unless they are regulated and licensed with the CFTC. Neither of them are regulated or licensed with the CFTC, but the merchants lied to me and said that they were. I have been making deposits to these fraudulent companies since XXXX, 2015. I only found out they were fraudulent when I tried to make a withdraw of my funds and they never sent them to me and after a few phone calls they locked me out of my account. So they stole my money! I had about {$75000.00} in XXXX account and about {$65000.00} in the other. I 'm only asking for my original deposits/investment back. 

Now, I originally filed a dispute with my debit card for these deposits as unauthorized transactions because the merchant was n't authorized to do business in the United States. Apparently, I should have categorized it differently. The debit card company investigated these disputes as such. The first dispute ( there were XXXX separate disputes about a month apart ) was found in my favor. However, I only received about {$1500.00} of the $ XXXX+ in that dispute. It was the XXXX most recent transactions at the time. The second dispute resulted in nothing. They closed the case because I had authorized the transactions. Again, I should have categorized the dispute differently. I tried to explain this to my debit card company but they wo n't reopen the investigation and refuse to issue any type of refund. This dispute also had around $ XXXX in transactions. 

Now, the reason there were XXXX disputes about a month apart is that it turned out that the same company owns both binary options brokers but the debit card transactions showed differently. So even though I was trading at XXXX companies I was basically trading at the same company. 

The total amount of both disputes is about {$55000.00}. And yes, this began back in XXXX of this year. I realize that 's 10 months ago ; however, I believe these are special circumstances because of the way I was defrauded. The company led me on for 10 months.
I am a victim of inquiry issue by TransUnion credit bureau. Multiple attempts to contact the bureau regarding this situation were not helpful. The bureau did not help to take care of the negative inquiries that were reported to my credit card report. 
The inquiries I would kindly ask you to remove from my account are the following : XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
Portfolio Recovery responded to my last cfpb complaint that they were closing 3 accounts..they only had three accounts in my name, two with XXXX and one with XXXX XXXX. Apparently portfolio figured they could pull a fast one on me and provide cfpb with false information about the last 4 of the account numbers. To this day they still have the account with XXXX XXXX opened and stil reporting although they said they would close and request deletion. They have yet to respond to my last complaint.
I contacted TRans Union and did an online dispute because they are reporting that I missed XXXX mortage payments. I have not missed payments, my mortgage payments are LATE. a big difference from missed payments. If I truly missed XXXX payments my house would be foreclosed upon. I contacted them twice and they told me both times they are reporting correctly and the information has been verified by my mortgage company, XXXX. I contacted XXXX and they said they are not reporting it as Missed payments, just late payments. I ca n't get Trans Union to update or correct this. I have attached the email from Transuion showing the results of their investigation or the XXXX time and it still shows XXXX missed paymnts on the mortgage. I attached my most recent XXXX statement.As you can see payments have been made and I am missing on payment for XXXX 2015 which actually is sitting in unapplied funds. Nothing on this shows I am XXXX payments behind as trans union is reporting and wont ' fix.
I have been attempting to contact this company ( XXXX XXXX XXXX XXXX XXXX ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX credit report in which they removed all three because they were in fact no validated debts. I have requested that Equifax does the same ; however, Equifax will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either Equifax nor XXXX XXXX XXXX XXXX.
On XX/XX/2019 I applied for a position with the employer XXXX XXXX XXXX XXXX they had me consent to a background check. Three days later I received an email from Checkr. They listed a Nole Prossed charge of leaving a scene of an accident and also stated that they have a nine year old charge of driving with a suspended license. So I called Checkr and spoke with XXXX with Checkr and filed a complaint to dispute these issue. I asked XXXX if she knows what Nole Prossed means and she stated No but she works at a background reporting company and is involved with reviewing peoples background reports. That is very scary and neglent. The worse part is damage is already done. They are exposing me to an employer and causing me to look bad. They have those two items on my report with clearly shouldnt be disclosed to any employer.
I submitted an application for a loan modification in XX/XX/XXXX. I was rejected without cause on XX/XX/XXXX. I file a complaint with CFPB and was just informed today XX/XX/XXXX, that Wells Fargo had completed their investigation. Which showed no fought. I informed the representative that Wells Fargo had begun and set a foreclosure sale date of XX/XX/XXXX without following the legal foreclosure guidelines set forth by the State of North Carolina, which states that a leader must give : 45 day written notice before starting a foreclosure 30 Day Notice of Default Notice of Hearing Notice of Sale The only reason I found out that my house was scheduled for sale was when a person drove by an inquired about my house. Then I called Wells Fargo and heard the recorded message that my house was up for sale. 

These are the type of unethical practices that the leader has been performing. 

Please help.
In XX/XX/XXXX I sold some digital game codes on XXXX. Every code sent had the buyer confirm that understand they were a code before being sent, and all codes have a XXXX e mail showing they were authorized, the code was sent, and in two cases the buyers issued glowing reviews. Soon after a few complaints were raised at Paypal saying the charges were not authorized for the codes. I sent the proof to Paypal as well as contacted the buyers and XXXX. XXXX said this was not their issue and to deal with Paypal. I have had multiple contacts with Paypal via email, EFax and phone. <P/>One supervisor a week ago at Paypal agreed with me and issued some credits back. The issue is Paypal is giving full refunds and hitting me with a XXXX fee per transaction. They are saying that Digital codes are not covered under seller protection. They are of course keeping their transaction fees on the non covered transactions. The issues have continued and a Paypal rep today said that I had proven the transactions were verified and shipped yet they will not overturn the fees. They state it is the customer 's bank or card company issuing the fees. I have asked multiple times for that contact information so that I and my bank can dispute them directly and they have refused multiple times. I have also been contacted by an XXXX member who said there is a fraud ring going on with digital codes and he named two of my buyers without any information from me as people who have frauded him. XXXX and Paypal have been given this information and still refuse to act. They now have my account XXXX in the negative with two more pending and are demanding I pay the fees.
Car loan paid off in XXXX. Agreed upon a lump sum payment {$9100.00} after not missing XXXX payment from purchase date of XXXX XXXX, XXXX on a XXXX Kia Soul for {$270.00} a month. The difference of XXXX roughly was listed on my credit report as a charge off dropping credit score from about XXXX down to XXXX. Paid over {$17000.00} in less than 3 years on vehicle. I did not understand that a lump sum payment would be considered derogatory with the XXXX difference. I offered to pay the remaining balance when I found out. Account should never have been listed as charge off and now they reviewed and decided to make it a settlement ... which is what it could have been considered initially ... but after knowing the circumstances were not from any form of delinquency should be considered and reported in a different way. Please help ... these delinquent reports to credit agencies will hurt me far worse than me paying them the XXXX! I have offered and they would rather ruin my credit!!!! Single mom no child support paying every bill on time and just need what 's fair ... not asking for handouts. I was a loyal customer to Wells Fargo Dealer Services and they have just destroyed my credit without a second thought.
Ocwen failed to notify me of the details surrounding my change in payment. I happened to look at my statement in " Important notes '' and it was in the middle of the paragraph, very non descript, no bold type, etc. and certainly not the first note as it should have been due to the importance of a payment change. THe notes read as follows : " Unapplied Funds : Any partial payments that you make are not applied to your mortgage, but instead are held in a separate unapplied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. 
Please note that your monthly payment amount has changed to {$3400.00} effective XXXX/XXXX/2016. Further detail regarding the reason for this change will be included in a separate letter. 
Please note that your monthly payment amount has changed to {$3400.00} effective XXXX/XXXX/2016. Further detail regarding the reason for this change will be included in a separate letter. 
Payments received are to be applied in accordance with the mortgage note. Payments will be first applied to bring the loan contractually current. Any additional funds received will be applied to outstanding fees and advances prior to being applied to principal. 
Our records indicate that you have filed for bankruptcy protection. This statement applies to our lien on the subject mortgaged property and is being provided for informational purposes only. If any payments are remitted, please include the coupon below with any payments se ... '' I have NOT received any " Further detail regarding the reason for this change will be included in a separate letter. '' for either the XXXX payment change or the XXXX payment change.
Hello, I received a letter on XX/XX/18 stating that as of XX/XX/18 my entire account balance of XXXX became immediately due and owing. They also said they reported it to the consumer reporting agencies ( also known as credit bureaus ) as " unpaid balance reported as a loss ( charge-off ) by credit grantor. 

I only had three payments left ( XXXX ) and I had been paying for the past six months. I missed two payments last winter when my business failed. Why would they destroy my credit with a charge-off when I have three payments left? In fact, I had just sent them a payment through bill pay the morning I received this letter, making it only TWO payments left. But I stopped that payment until I could talk to someone about their completely unfair decision to charge-off. I looked up charge-off, because I was sure it was for non-payment and I have been paying every month, more than my regular payment, not a lot more but it was obvious I was trying to take care of this. This is the definition : A charge-off or chargeoff is the declaration by a creditor ( usually a credit card account ) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors will make this declaration at the point of six months without payment. 

Six months. Not someone who has been paying regularly for months and only missed two payments last winter. What about all of the payments I DID get to them? Those are the only two payments I've ever missed. I was paying extra toward them each month and they're doing a charge-off. 

It should also be noted that they made it increasingly difficult for me to make a payment. I couldn't pay online anymore. So I had to go to a branch. In XXXX, the branch couldn't accept my payment and they didn't even know why. They were unable to find out why through their own company, Wells Fargo. So I was told I could go to my own bank, XXXX XXXX XXXX XXXX, which is at the airport, but I was driving out of state within the half hour or they said I could go to XXXX and wire money through XXXX XXXX. I've never done anything through XXXX XXXX. It sounded ridiculous for an auto loan payment I'd been making for several years. I originally financed this auto through XXXX XXXX, not realizing that I could do better. When I refinanced through Wells Fargo, they also insisted that I borrow an additional XXXX, because they said they would not work with a loan under XXXX, which seemed underhanded and to me but I agreed. 

I finally figured out how to get a payment to them through bill pay on my bank account with XXXX and sent it right off. 

This feels like a systematic procedure they have in place to torment and harm a customer 's credit. How are they benefitting by doing a charge-off? They must be benefitting in some way. 

I will be debt-free at the end of this year. I have worked so hard at this and was about to begin rebuilding my credit. Now I will have a charge-off on my credit report after paying this institution to the best of my ability for the past several years. I was in the home stretch with just three payments left. This is a deceitful institution. 

Sincerely, XXXX XXXX
By law, the credit bureaus are to have the original contracts as verification of a debt before placing them into my credit report. I have tried to contact the following companies and the credit bureaus to show proof of the original contract and they all have failed to do so. By law, if the credit bureaus and debt collecting companies fail to hold the original contracts or proof that they verified the debt with the original contracts before placing them onto my credit report, they must delete the debts from my credit report. 

After requesting my credit report in order to fix my credit while I am currently unemployed and going to school full time, I have contacted the following debt collecting agencies in order to correct the errors that I found. 

XXXX XXXX XXXX XXXX XXXX. 
I sent them a correspondence on XX/XX/XXXX to VALIDATE the debt.

The only correspondence I received from them was a Pre-legal notification on XX/XX/XXXX. They have yet to send me anything that I requested from them per the Fair Debt Collections Practices Act, as well as the they have not indicated to the bureaus, XXXX and Equifax, that the account in question is under dispute and is to be removed or cease from reporting the information until full validation has been completed. 

XXXX XXXX XXXX XXXX I sent a correspondence to them on XX/XX/XXXX to also the debt in question.

They responded XX/XX/XXXX with a final bill statement which under the Fair Debt Collections Practices Act is NOT validation of a debt. They failed to remove or cease from reporting the information until full validation has been completed which they still have not shown proof of the original contract, per the FDCPA. 
They sent another correspondence on XX/XX/XXXX stating that theyve returned the account back to XXXX XXXX XXXX XXXX but still has failed to remove their information from my credit report. 

XXXX XXXX XXXX XXXX I sent a correspondence on XX/XX/XXXX to also validate the debt.

Their correspondence on XX/XX/XXXX was simply another billing statement, they have failed to provide any proof or original contract of the debt in question and have not removed or cease their reporting onto my credit. 

I hope this helps in any way to stop fraud and to stop these companies from doing thing illegally as they are not following the law on their actions. Thank you for your time.
Is my bank allowed to raise fees without letting me know? My monthly fee appears to have gone up and I did not receive any notice.
Frequent or repeated callsCalled outside of XXXX-XXXXThreatened to take legal action It has called my home on at numerous occasions in the last 2 weeks leaving the following prerecoreded message. " My name is XXXX from the Municipal Services Bureau. I am calling about a serious court matter that maybe of direct concern to you, and I urge you to return this call as soon as possible. Please give this call your immediate attention! You may reach me at XXXX " No information about what it is regarding and I do not have anything outstanding anywhere.
Started a loan application to purchase a new home with Capitol One Mortgage on XXXX XXXX, XXXX. The loan officer overlooked a document explained in attached XXXX page verification of incident described here which led to my credit score of : XXXX at the time of this loan application which dropped to XXXX as of XXXX/XXXX/XXXX over XXXX credit pulls by Capitol One Mortgage as proven by XXXX. In addition to an issue with XXXX error in a failing to mail a new credit card with bill to correct address ( as reported to cfpb on XXXX/XXXX/XXXX ).
We rented an apartment on XXXX XXXX XXXX XXXX XXXX # XXXX XXXX mn XXXXWe were XXXX people and we paid the rent on time until we moved out, when we moved out they found few damaged things on the kictchen and they wanted us to pay {$710.00} dollars and they all refused and they went ahead and put all this money on my credit alone, now am trying to rent aplace and this credit agency by the name hunter Warfield phone XXXX they are threatening me that l alone am responsible for this amount, why do n't they give my share since we were XXXX people who used to live on the apartment, the manager of the property as said he as nothing do do with this amount and they have spoken to the place a want to rent because I was a good tenant and they have refused. This is not a good business act to me, they are acting rude to me and punishing me .I need help so that this thing can be removed from record
This complaint is necessary to involve the loan originator and debt owner in reviewing complaints #  XXXX  and #  XXXX .  Morgan Stanley  needs to exercise oversight of its loan servicers to ensure that its customers are treated fairly and respectfully, and to keep them from creating more risk than they protect. That is certainly the case here. Customers do not consume their homes. They are a necessity of life. Loan servicers do consume them.     I have {$70000.00} to {$80000.00} of hard earned equity in my property against the {$55000.00} total debt. That merits fair treatment and direct communication to resolve the issues. I have arranged the means but need reasonable deadlines and timely responses to requests for the necessary information have I needed. I need to be allowed to speak directly and consistently with someone in authority, not a call center.
On XX/XX/XXXX I sent EXPERIAN a letter requesting to remove unauthorized inquiries on my credit report! The accounts are listed below. 
XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The response I got from Experian was that the inquiries are factual record of file access. 

However if these inquiries are factual they must provide me documents bearing my signature from these companies, otherwise these inquiries must be deleted under federal law! 

SECTION 609 OF THE FAIR CREDIT REPORTING ACT!