WillisBack/dataset-financial-user-claim huggingface dataset:
This information is related to crimes involving the intercepting and forwarding of outgoing calls from XXXX XXXX XXXX & XXXX XXXX XXXX. One number doing this is XXXX XXXX XXXX. 
I went to get the app credit wise by XXXX  XXXX. The app said that it couldn't confirm my identity. I then applied for a XXXX XXXX credit card. One of the security questions asked me " does XXXX own a house in XXXX XXXX? ". While intercepting my outgoing calls and pretending to be busineses like XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX And XXXX   and XXXX  the sane customer service agents with the sane names XXXX and XXXX mostly over the last 2 decades have adked security question in order to do things like have XXXX reinstall software previously paid for. I believe that this XXXX cell is an independent contractor call center located in XXXX XXXX XXXX, possibly one call center that I was previously employed by in or around the XX/XX/XXXX. This company also telemarkers falsely as a credit collection agency and uses their power to try and steal debt owed by preventing communication with the real company. Example my XXXX account both times. The 1st time tgey refused to let me pay the pager bill unless I paid a credit card off first. The second time around XX/XX/XXXX -XX/XX/XXXX. They  refused to let ne speak to customer service about a discrepabcy on the bill having to do with having already paid XXXX. XXXX XXXX refused to remove from my credit report when I have paid them. I briefly had XXXX in XX/XX/XXXX through them XXXX  and XXXX where I get my XXXX XXXX XXXX # and forward to XXXX XXXX XXXX. We throygh my mom have mostly had XXXX through her account XXXX XXXX XXXX
BB & T closed my account for no reason, the account # is XXXX, and they keep telling me they will send me a check with the final {$980.00} in my account but nobody is telling me when I will get it. In the meantime, I am dealing with an eviction and other issues and when I contact the branch, they tell me, " A letter is being processed and you will get your money soon! '' This has been going on for a month now.
Hi, my name is XXXX XXXX and I would like to file a complaint on Capital Network Funding in XXXX, CA. About a week ago i had submitted documentation regarding to a mortgage refinancing with today 's low 30 years fixed interest rate thru this mortgage lender. First I was approved base on documents i had submitted to the lender which includes income from XXXX for XXXX, our XXXX month worth of paystubs from our employer prior to family leave, XXXX 's for XX/XX/XXXX and XX/XX/XXXX, and XXXX months worth of bank statements and I also signed the initial disclosures package from the lender. A day or XXXX days after i submitted these documents needed from the lender, I received a phone call and an email stating that my wife and I are not approved due to our supplement income from family leave and the mortgage company will not proceed unless my wife and I are fully back to work with verifiable income from our employer. The cause is for us to go back to work and cut our family leave time short in order to get an approval and proceed with the loan. 

Below is a copy of the email from the mortgage company statingDate : XX/XX/XXXX XXXX XXXX ( XXXX ) To : " XXXXXXXXXXXX ' '' & lt ; XXXXXXXXXXXX & XXXX ; Cc : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Subject : RE : Your Loan Proposal- Network CapitalXXXX. XXXX, I have your file ready to go to underwriting, but I need you to return to work ASAP to use your income to qualify for the loan. 

Please advise when this can occur so we can secure the rate lock. The rate will not be locked nor can I honor the exception until I have a WVOE or assurance that you have returned to work. 

Let me know when this can occur. 

Thank you. 


Sincerely, XXXX XXXXManager | Direct LendingPlease see below press release XX/XX/XXXX if I may fall into the same category and advise what I should do. 

HUD No. XXXX XXXX ( XXXX ) XXXX XXXX FOR RELEASETuesdayXXXX XX/XX/XXXXHUD SETTLES DISCRIMINATION CLAIM AGAINST CALIFORNIA MORTGAGE LENDER ALLEGING IT DENIED LOANS TO WOMEN ON MATERNITY LEAVEWASHINGTON - The U.S. Department of Housing and Urban Development ( HUD ) announced today that XXXX, CA based mortgage lender XXXX XXXX XXXX will pay {$48000.00} to settle allegations that it violated the Fair Housing Act when it denied or delayed mortgage loans to women because they were on XXXX. 


Sincerely, XXXX
On XX/XX/XXXX, I attempted to obtain my free annual credit report from Equifax using the XXXX website. There is never a problem receiving my credit report from XXXX or XXXX XXXX but this year, just as last year, Equifax refused to provide the report. After answering a multitude of identifying and security questions, they indicated I must send by mail a number of very personal financial documents, which could be lost in the mail and fall into anyone 's possession. I experienced this same problem with Equifax last year and after filing complaint # XXXX with the CFPB, the matter was quickly resolved and I received my report by mail. When I filed complaint # XXXX this year, after experiencing the same problem as last year, it was dismissed as being a duplicate of a previous complaint filed the preceding year. THIS IS A NEW COMPLAINT. It is a NEW problem for THIS year. Do not dismiss this complaint as a duplicate. I received my Credit Report LAST year but were refused my Credit Report THIS year. Equifax didn't have a problem providing my Credit Report and all of my other personal financial information they possessed a year and a half ago to hackers but refuses to provide it to me. Please provide me my free annual credit report as required by law.
I leased a car from Toyota with Toyota Financial Services providing the funding. At the end of the lease I turned in the car, confirmed all XXXX payments had been made and was told via their customer service line that, despite the webpage showing another payment was due in one month, I would not be charged as I had complete all of my obligations. However, one month later the payment was taken from my checking account. I called the customer service line again, they agreed to refund the money via a check ( meaning I 'd have to wait a week or more to have my money back ), but that the error was mine not theirs. The customer service representative said that it was my fault this occurred because I did not login to the website and direct them to not take any further payments. The customer service representative told me I should have been provided a prompt when I accessed the webpage, but I did not and the previous customer service representative did not say I needed to perform any such action. In my opinion this is stealing and Toyota Financial Services profits off of people who may not manage their checking account as closely as I do. Once the obligation of the consumer is completed I believe the lender also has an obligation to ensure the consumer is protected.
I went in to Bank of America in  XXXX   XXXX  in Georgia to cash a check drawn on Bank of America that my husband wrote to me I was given a pamphlet indicating that beginning  XXXX   XXXX  they will start charging {$8.00} fee for non account holders to cash a check drawn on Bank of America I think that is discrimination and pressure to have people open bank accounts I choose to bank with another bank and choose not to deposit the check into that bank because I prefer to get the cash. Banks should not be allowed to charge consumers who do not bank with them to cash a check from an account holder that banks with them it is simply greedy and unfair
I am trying to refinance my home. On XXXX XXXX I was told I should n't have a problem my son 's name is on the loan due to the fact when I brought the house my credit was n't good, and my daughter co signed. 5 years ago my daughter 's name was take off. Freedom Mortgage is giving me a hard time because they said my daughter 's name is still on the loan even though my current mortgage company told them no. I have been making the mortgage payment and have never missed or been late on a payment I have sent them my bank statements because the mortgage payments was coming from my bank account bi-weekly, however Freedom Mortgage wont ' accept that. My credit score is over XXXX, but that is n't good enough for them either, they said I need more income. So I told they I get XXXX for taking care of my brother, and I have power of attorney now they are telling me I need guardianship. I have had XXXX different processors so far. XXXX XXXX told me as long as I have my credit score is over XXXX I can be put on the loan. My name is on the deed, but FM wont ' accept that, they wo n't accept my bank statements because it looks like if came off line. I work part time for XXXX and they wont ' accept that either unless I go see an accounting. They want me to pay an accountant and lawyer money. XXXX and XXXX XXXX refuse to give me the underwriters name because they are blaming it on him saying the he 's the one not accepting anything. I have had my same job for almost 15 years and pay my bills now even though in the past I have problems due to divorce. My son has been in the same position for almost 10 years now, and his credit score his close to XXXX. Yet Freedom Mortgage won ; t approve us and wants us to put out money. XXXX XXXX my current mortgage company has tried to step in and help but Freedom Mortgage wont ' even listen to them.
XX/XX/XXXX I mailed collection company certified letters disputing debt and asked to see documents showing that I owe the debt. I received nothing except a bill I sent a second letter XX/XX/XXXX I sent a second letter Based on what The bureau says I should ask regarding debt collection Original furnisher, Contract they own debt etc. 
45 days went by and I received nothing except a bill from them from their client a data furnisher. 
I personally contacted the original company they said that they did not work or deal with debt collectors. And that I was not in a position they could speak to me do to HIPAA This is not proper debt collection or debt validation practices. 
The company also sent me a medical record which was a HIPAA violation My father never signed a release. 

Also my father passed away around that time. I have tried to tell these collection companies this. 
We had the same name. 
I noticed on the bills they had his old addresses on them not mine. I am assuming they did a search and randomly posted addresses to it. 
I can prove this by the attached consumer report from a smaller consumer reporting agency see attached this company ran my name a few times. 
I have not lived in Florida since XXXX My XXXX page can prove that as well. 
Also The medical records sent to me were for someone on life support its quit obvious its a mistake. 
However they have been notified of it and still refuse to remove according to what the law states They have also have had a history of removing and reinserting on my credit report. which is also illegal I should be notified and was never notified i have printed copies of credit reports from past 8 months
XX/XX/XXXX, XXXX sent my loan modified mortgage to Fay Servicing LLC. The assigned account manager, XXXX XXXX, advised XXXX XXXX, that I not send my arranged monthly payments to Fay ( based on XXXX 's calculations ) because Fay had not received all my paperwork. XXXX XXXX was late at sending out new paperwork for me to apply for the same loan modification with Fay. I received Fay 's paperwork XX/XX/XXXX/XX/XX/XXXX. I re-applied with Fay and was denied due to the paperwork not being received in a timely manner. An appeal was requested. I was assigned a new account manager in XXXX XXXX. All paperwork required was submitted in a timely manner. I have now received a foreclosure notice scheduled for XX/XX/XXXX because Fay has not approved the loan modification, even though the loan was modified when they received it and payments were being made.
I cancelled XXXX over the phone and they kept my account open for an additional month while I was connected with XXXX. When I received a bill from them I told them that I had cancelled my services through them as of XXXX of 2014 but yet they still sent me bills and they turned it over to a collection agency previous collection XXXX had dismissed the bill but now I am getting bills from ENHANCED RECOVERY CORP and they also notified XXXX. If I cancel my service with their customer service, there should be no reason to pay for an additional month.
I disputed the XXXXXXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted  according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.
I cosigned a car loan for my daughter. Her checking account is with Wells Fargo, XXXX branch, and the loan is with XXXX in XXXX. She had arranged automatic payments sent to XXXX and this happened successfully for several months. For a reason no one has been able to explain to us, WF started sending payments with the wrong account number. XXXX notified my daughter she was delinquent and charged her a {$60.00} late fee. On XX/XX/XXXX, my daughter and I met with XXXX the branch manager to discuss this. He admitted it was a WF error and that they would correct it. I stated my concern about his affecting my credit report and was assured that would not happen. After eight days XXXX still had not resolved this and had put excuses and demands in our way each day. I called his supervisor-he would not provide that contact information, we had to find it elsewhere, spoke with his assistant and later him and they assured me that was not the way they do business and they would ensure it was resolved, and it was in a matter of hours, not days. But this week I have been notified that they has been a negative charge against my credit rating reflecting this issue. So WF has negatively affected my credit rating over a {$60.00} dollar mistake they admit they are responsible for and ca n't seem to correct. I 've been told by XXXX that they have assigned a " resolution team '' to this and should have it resolved by XXXX next week. So for over a week they have negatively impacted my credit report. We have disputed the claim with the credit agency, but this is ridiculous. I have also informed XXXX I expect WF to compensate me for the damage they had done to my credit for however many days it remains, the inordinate amount of time I have had to spend on this, and the inconvenience they have caused me. I do not feel that I and my daughter should bear the brunt of their error and there are no consequences to them.
Refinanced in 2013, and another mortgage co.bought that mortgage contract. They raised my monthly payment from? XXXX a mo. To {$1600.00} a mo..they say I was behind in my escrow. Never missed a payment and had to pay XXXX months of escrow when I refinanced.they said if I payed the extra {$160.00} a mo. For XXXX months, it would go back to {$1400.00} a month. Now I 'm paying {$1500.00} a month and I want the money back. I also want them to honor the original contract and make my payment {$1400.00} again.
Portfolio Recovery Associates is reporting a debt on my credit file and they have refused to validate the debt, dates, provide me with requested invoices how deposit was applied and original contract. They have contacted my father and my children.
I am writing to complain about JP Morgan Chase refusal to credit my mortgage account with late charges in the amount of {$300.00}. These charges incurred in the account over five years period and were caused of technical issues on Chase.com own website in processing my payments on time. To date, the full mortgage balance has been paid off including all fees involved. I strongly believe that Chase should credit me the amount of {$300.00} since these charges were beyond my control. I had a strong history on making my payments on time. 
Sincerely,
The Credit agency admits the receipt of proper documentation toward inaccurate information being reported from XXXX XXXX XXXX XXXX loan number XXXX They claim they cant find the name of the reporting mortgage company even documents from police department and supporting bank clearly indicates the reason for inaccuracy and removal of the wrong information.
The reality is that the intent of the Federal Loan Modification Program is to provide an alternative to foreclosure for millions of struggling homeowners. Furthermore, these homeowners are supposed to be able to secure a loan modification without the assistance of a competent advisor. 
Unfortunately, the lenders and servicers do not play by the rules. Consequently, average homeowners are taken advantage of and face the prospect of losing their homes by falling short of bank 's loan modification hoops. This is why there is a massive amount of litigation in the state and federal courts seeking relief for victimized homeowners. You need to work with specialists who know the programs and can make the lenders adhere to the federal laws and guidelines. I did not have this specialist when I started this loan. In letters from the servicers they state that they are proud to service your loan. We are committed to protecting the rights of our customers who are service members. 
I did not know all of the hoops there would be to go thru to obtain this type of a loan. Every time I called in for help or to have my questions answered I would get a different answer to my question. I was assigned to have this one person his title was a Legation Specialty to help me with my questions. I had another person who whose title was Customer Advocate specialist. I was told that if I had questions I was to call them. Every time I would call I could never get a hold them. I was told to leave a message and they would return my call. I never did hear back from them many times. 
At the beginning of the loan modification they told me I would have a four month trail to prove that I could make the payments of {$720.00} for four months. Starting date would be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX would be the last payment of the trail period. It was not explained to me that I should have been making the full payment of {$840.00} for these four months. The difference between the payment {$720.00} and XXXX is {$110.00}. They claimed this as a missed payment and reported this to the credit bureau. This gives me a bad credit rating with XXXX, XXXX, XXXX. I would like to have my bad credit rating restored and disputed. They are telling me now that I have missed 3 months of payments and want late fees too. I have bank statements proving that the payments were made. This a debt collecting agency which may report about your Mortgage account to the Credit Bureau. 
So now that has happened and my credit is no good. I have never had this happen before. 
When I have tried to contact this company I have had to wait so long for them to get back to me and then I always get someone different that does n't know what is going on. This has been very frustrating. 
Now if I do n't make this payment by a certain date they will foreclose on my house.
Was initially contacted on XX/XX/2018 by XXXX XXXX at Sequoia financial services, XXXX, extension XXXX. Said I owed a medical debt to XXXX XXXX, but still to this day, after requesting on XX/XX/XXXX, have not received any written notification of the specifics of this debt. In my conversation with XXXX XXXX, I stated that XXXX XXXX had still not reimbursed me for money due back for a payment I made to them over A year ago that was not due. XXXX XXXX   repeatedly told me they would reimburse this, but never did. I have been waiting and trying to contact them repeatedly, for them to refund this. I told XXXX XXXX I would be researching this as the amount that he stated was due was in dispute due to the fact that XXXX XXXX still had never refunded my money. He continues to call, but I have still not received anything in writing from this company. He continues to call, but I have still not received anything in writing from this company.
I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.
Citi offered a deal that if you used a specific promo code and signed up for their premium CitiGold checking account, they would award you XXXX XXXX Miles. It was confirmed XX/XX/XXXX that I had met all the requirements for this offer ( {$1000.00} in debit card spending, 2 months of online billpay, opened account using promo code. ) I was told that I would be awarded the miles within 90 days. This was over 5 months ago. XX/XX/XXXX i was assured that the miles would post within XX/XX/XXXX, but that did n't happen. XX/XX/XXXX, I contacted Citi Bank again, and the customer service representative opened an investigation to check the status of my miles. He said I would hear back by XXXX XXXX, but nearly 2 weeks later I still have n't heard anything. This checking account charges a $ XXXX/month maintenance fee, and I 'm starting to feel like this offer is being dragged out so that they can collect additional fees.
how can a disputed claim be taken off my credit report then a month later just put back on again????
BBVA Compass will not give us our own money. We have over {$66000.00} on a gift card that we can not get them to release. We have called them, gone into their branches and reached out to them online. They keep giving us things to do, but now we are months into the process and we can not get our own money.
A debt collector claims i owe money for back rent at some housing complex in XXXX, NY that i know nothing about.
I got involved with a third party service that advertised partial or full loan forgiveness for select schools and students. My school was under investigation for it's accredited status so I was qualified for full forgiveness. I was told that if I made three down payments of {$240.00} for the next three months, I'd be taken cared of. After those down payments I received a noticed stating that my student loan that I setup with XXXX XXXX was payed in full. This was back at the end of 2016, my last down payment was XX/XX/2016. Now i've come to realize that my XXXX XXXX loan wasn't paid in full, but instead consolidated with another service called Navient. I wasn't told that my loan would be paid for with another loan while I was signing off on the agreement. I was told that I would have my student loan forgiven and abolished after those three payments. The third party service I was dealing with is called XXXX XXXX, and upon reaching out to them I've learned that they have been sued and under current investigation. I have sent XXXX XXXX my social security and bank card information and lots of money for them to lie and hide the truth from me. I wasn't promised a consolidated form of action, I was promised for my loan with XXXX XXXX to be forgiven and paid for. I was scammed by XXXX XXXX  and I have numbers and dates to back up my claim that I will send along this.
I signed up for American Express credit card gold XXXX sky miles while the promotion is running. The promotion was that I would receive XXXX delta miles after spending total of 3000 $ within first 3 months. I met the criteria, but I never received those extra points. There is an ongoing investigation since XX/XX/XXXX. The agents keep on telling me that it will be resolved within a few weeks. It still has not been resolved by today, XX/XX/XXXX. On the latest conversation, one of the manager ADMITTED that it can take longer than 2 weeks. They did not offer any compensation in any form for all the inconvenience and time lost. They CAN NOT even guarantee that the issue will be resolved. 

Chat reference number : XXXX