WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017 I applied for a mortgage with Guild Mortgage. I needed this approval in order to write a contract on a home I wanted to purchase. I did a complete application online allowing the mortgage company to run my credit. I also provided the loan officer all of my financials, tax returns, paystubs, XXXX, and bank statements. The loan officer was also provided a copy of the purchase contract from the builder, as I ended up writing an offer. I was never provided a copy of my loan estimate or disclosures, so they are in clear violation of TRID.The loan officer told me I was pre-approved and qualified to purchase the home. I gave the builder close to {$10000.00} earnest money and attempted to satisfy my approval conditions over the last 3 months which included paying off debt and liquidating funds from my 401k for the down payment. The home is new construction and is supposed to be complete in XXXX. On XXXX XXXX, I called the loan officer knowing I would need to update my financials, and found out he decided not to process my loan and had shredded my information. I was never informed of this and never requested them to cancel the loan. Now they are telling me since they did n't process the loan in XXXX upon my initial application ( which is also a violation ), I 'm not really approved and can not approve me at this time. I am going to lose my earnest money, penalties I incurred on the withdrawal of my 401k funds, and I have paid off liabilities that did not need to be paid off, which put my in a hard spot.I have tried to call the managers there, and they said there is nothing they can do. Unfortunately, the only paperwork I have is a prequal letter since they never provided my any further paperwork
XXXX tu and XXXX still turns me down what do they need a perfect score cra violation for reason and hippa transunion has XXXX up my report totally this need to be corrected right away
My name is XXXX XXXX XXXX. I received the attached letter from Wells Fargo, I am requesting that I do not get any phone calls and to communicate in writing only on this matter. They make mention of an account ending in XXXX and while I do have Wells Fargo accounts I do not have one ending in XXXX. I never had nor called to close an account ending in XXXX. Please see the attached letter from Wells Fargo.
This started with a purchase of my home. In order to be approved for the mortgage, I had to pay off all of my debt. I called XXXX XXXX XXXX, which is through BofA, and was informed my balance and payoff was {$1300.00} and so, I wrote a check out to XXXX and wrote XXXX XXXX XXXX and wanted the account closed. Instead, XXXX  sends me a new card and then sends me a statement indicating that {$1300.00} was not the payoff amount and that I owed MORE MONEY and now, they are sending me to collections. The Check Number XXXX, dated XXXX XXXX, 2017 was cashed.
Now, I am receiving correspondence from Bank of America, which is enclosed, account number ending XXXX, Case Number XXXX, indicating they are notifying all Credit Reporting Agencies that my credit is now damaged and depreciated. I had already notified the Credit agencies of this dispute.
I am attaching the correspondence which is connected to Case Number ID XXXX
Astoria Federal Savings Bank now know as Astoria Bank on or about XXXX XXXX, 2003 and XXXX XXXX, 2003 accepted Powers of Attorneys on behalf on my late now mother XXXX XXXX which are questionable and exposed me to serious damages in an amount of {$110000.00} and other loss of home, property. 

The bank exposed me as well they failed to disclose the XXXX XXXX, 2003 power of attorney that was a joint XXXX with XXXX agent residing in XXXX which would cause issue if she left and other. It did cause a problem then was revoked but what was found out is that the joint power of attorney dated XXXX XXXX, 2003 was not effective it was not properly notarized, dated and acknowledged the attorney who prepared it wronged my mother and me as well. Why did the bank not reject this at said time but rather allowed us both to withdraw funds that then my sibling sue me over how so. 

Then the XXXX XXXX, 2003 power of attorney was missing a page the Affidavit of Attorney in fact, why did the bank accept it if a page was missing and or not effectuated at said time. Please inquire I gave them ample opportunities but they chose to ignore again and again only having my sibling XXXX go into court to sue me said powers that may HAVE XXXX BEEN QUESTIONABE, NOT EFFECTIVE NOT PROEPRLY DRAFTED OR OTHER, THE BANK ACCEPTED MAINLY THE FIRST POWER OF ATTORNEY THE JOINT XXXX THAT WAS VOID HOW COULD THEY DO SO, AND EXPOSED ME TO SERIOUS INJURY AMOUNTING IN THOUSANDS.
XXXX ran my credit 7 times in one day and they were only authorized to do it once. They ran it through XXXX twice, XXXX and XXXX bank twice. All on XXXX XXXX 2015. These XXXX hard inquires have majorly effected my credit score.
I RECEIVED XXXX CREDIT CARD ( VISA ) FROM CITIBANK YESTERDAYXX/XX/2015. IT WAS XXXX FOR ME & ANOTHER WAS MY HUSBAND. I NEVER EVER REQUESTED A CREDIT CARD FOR MY HUSBAND. I AM VERY UPSET WITH CITIBANK, HOW THEY GOT HIS NAME. MORE OVER CITIBANK 'S CUSTOMER SERVICE ISVERY POOR. CUSTOMER SERVICE IS OUT OF U.S.A. & THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. THEY DROP CUSTOMER CALL WHEN EVER THEY LIKE TO DO SO. THIS IS VERY RIDICULOUS. CITIBANK SHOULD BE PUNISH TO DO SUCH ACTION WITHOUT PERMISSION OF CUSTOMER.
Borrowed XXXX dollars from the lender in XXXX and from XXXX to XXXX I have been charged at this time what I borrowed should be paid back.
XX/XX/XXXX Dating back to XX/XX/XXXX, I have been paying {$800.00} mortgage payment. The amount owed each month was on the average {$720.00} dollars. The payments varied based on annual real estate taxes and homeowners insurance. Examining my mortgage from XX/XX/XXXX up to XX/XX/XXXX the additional funds were not applied as additional principle to the balance. Because the additional funds were not appropriately applied, I believe the total amount due and payoff balance is significantly incorrect. I am requesting that Ditech reassess my account and credit all additional funds that were paid to be credited as additional principle. And I am requesting that the correct balance be reflected on my next mortgage payment statement. I have requested an accounting directly from Customer Service at Ditech, but have not received a response.
We received a Chase/Amazon Credit card without our request, approval authorization or knowledge on XXXX/XXXX/XXXX. We called Chase and terminated the card immediately. They advised us to place a 90 day alert on our credit card. Since the recent fraud issues by XXXX XXXX, and since the card was not requested, we are concerned. Someone accessed our Credit Information without our knowledge. Your complaint data base has other complaints against Chase for those who like us already have a chase credit card and were issued another card without their knowledge or approval.
The checkbook to my Health Savings Account with XXXX  was stolen from my car in XX/XX/2017. Several checks ( {$1900.00} worth ) were written by the thieves and paid by XXXX. I filed a police report and alerted XXXX  of the theft. They had already closed my account since it was overdrawn from all the fraudulent checks that were written. At the time of the theft in XX/XX/2017 I had {$260.00} in my account and have requested this money be refunded. Over a year later I still have not received my money and XXXX  is charging my account service/maintenance fees even though it is closed. I submitted all requested forms and affidavits about the theft and not one person from XXXX  has ever called me about the status of my claim. I am asking for my account balance before the theft ( {$260.00} ) to be refunded.
I submited a written dispute to the credit bureau and they stated the creditor has verified the accuracy but they have not showed proof of verification. I also have paperwork showing that the information they verified is not true.
Someone is accessing my credit reports for the past several years. There are 2 additional Social Security Numbers other than my own. I disputed them 2 Years ago but those individuals are still able to access my credit reports. How do I go about stopping these individuals from accessing my credit reports. There are negative reports that dont belong to me.
The collections company XXXX XXXX XXXX has bought a false debt from my previous landlord. I absolutely have no ideal what this debt is about. XXXX XXXX was my previous landlord. They are responsible for sending the false debt to collections. They are trying to make me update or remodel there apartment. I never damaged anything in the apartment. Why should they be allowed to write an itemized list and send it to a collections company. This is ruining my credit. I feel helpless in this situation. Landlords should not be able to do this with out going to court. They should not be allowed to just sale it to a collections company. This matter should have been settled in court. I have no rights in this manner. I had a lawyer send NCC a letter for verification of the debt. He sent two letters before we received a response. The letter they sent for proof was just a written out piece of paper. I mean how is this proof? No picture of a messed up apartment, absolutely no verifiable evidence. I disputed the case with XXXX. They refused to take it off my report. XXXX said this was a verified debt.
I called a little over a year ago to release my cosigner. I met all the requirements needed but was still denied. I called again on Monday, XX/XX/XXXX to request a forbearance. It's been the only option they have offered me. I have used all of my forbearance allowances at the time. I make {$17000.00} a year and my payments are now $ XXXX/month. They refuse to lower my payments based on income or release my cosigner. I've made payments on time for years and they still refuse to work with me in anyway. The majority of my payment is going towards interests, with barely anything going towards the principal amount owed. They're putting me into poverty and not batting an eye.
Hello, XXXX XXXX XXXX, attempt to collect a debt for XXXX XXXX XXXX XXXX, and after speaking to CCS, they explained that they are no longer handling the alledge debt collection for XXXX XXXX on XXXX XXXX 2017 at app.XXXX I 've spoken to their supervisor confirmed they no longer are involved with the attempt to collect. Need it removed from my credit ASAP! Thanks in advance. XXXX XXXX.
I contacted Debt recovery solutions about a medical debt that was put on my credit report several years ago. I wrote them a letter explaining that this was not my debt and it was identity fraud, i asked for proof this was my debt ( i had XXXX at the time which would have paid for any dr visits or hospital visits ) i sent a police report to this agency as well, and the debt was still not removed. They never showed me any proof this was my debt because its not. 

I filed a complaint with XXXX and the debt was removed, the company has added this debt back several time under different collection names but when contacted it is the same agency. XXXX is allowing this company to destroy my credit report after they have removed the collection several times.
I opened a credit card amount with Chase in XX/XX/XXXX, after living in the United States for three months ( I am a XXXX XXXX by birth, but have always lived overseas ). On XX/XX/XXXX, they suddenly closed my account with no notice. I called their customer service that same day to understand what was happening, and they said they couldn't access that account, that the team working on it had frozen it and wasn't working that weekend. 

I called again today, XX/XX/XXXX, and was told that despite always paying my balance in full, for over a year, Chase had reviewed my account and closed it since I did not have enough credit history, although they opened that line of credit for me when I had absolutely no credit history at all. They did not warn me, there were no emails or notices on my online account, and I had to spend half an hour on the phone just to understand what was happening.
in 2015 I went to bye a pickup truck from a dealership and that is when i was informed that i had purchased a home in Texas and also bought a car in XXXX XXXX so ever sense that day my credit score has went down. the thing that i do not know what to do
XXXX Quicken loan performed a hard inquire without my knowledge or consent. Please either provide evidence of my written or oral approval or please remove as this unauthorized hard inquiry has negatively impacted my overall credit standing and score As you are aware : " Hard inquiries ( also known as hard pulls ) generally occur when a financial institution, such as a lender or credit card issuer, checks your credit when making a lending decision. They commonly take place when you apply for a mortgage, loan or credit card, and you typically have to authorize them. ''
in XX/XX/XXXX i received two notices from Security National Automotive Acceptance Company ( SNAAC ) in regards to consent order XX/XX/XXXX-CFPB-XXXX ( enclosed ). one of them was a notice of a credit in the amount of {$1500.00}, datedXX/XX/XXXX. the other was a notice of refund in the amount of {$350.00}, as well as a check for that amount ( enclosed ). I received notification via email ( enclosed ) stating that the account was paid in full as ofXX/XX/XXXX. upon speaking with a SNAAC representative on XX/XX/XXXX i was told there is no record of my balance being paid off. ( phone record enclosed ) i requested the contact information of the rep to forward the email, and never received. i then again spoke to the rep on XX/XX/XXXX and was told that now they have the settlement information on file, and that they had taken the credit of {$1500.00} and applied it to the balance to close out the settlement. ( phone record enclosed ) However, the consent orderXX/XX/XXXX-CFPB-XXXX was filed onXX/XX/XXXX, 5 days after i was notified my account was paid in full.This withholding is in bad faith under consent order XX/XX/XXXX-CFPB-XXXX  and directly violates this order. upon more investigating i also never received any redress, or notices in regards to, consent orderXX/XX/XXXX-CFPB-XXXX. i have also attached documents taken from my SNAAC online portal referencing that my account still has a remaining balance, as well as a brief payment history, and a lack of any estatments for viewing.
In XXXX 2017 I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.
On XXXX XXXX, 2017, I sent the attached Certified Letter to Experian. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Experian is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted. 
I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX. XXXX is NOT PHYSICAL VERIFIABLE signed contract by me. 
These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ). 
I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by XXXX.
My ATM card was stolen or lost. Someone was able to deposit stolen, fraudulent money orders into my account, then withdraw cash and take out money orders. When I called the bank after noticing this activity, Bank of America assured me that this would not be my problem ( or my parents ', our accounts are linked ), but that they would investigate and cover the fraudulent activity. A few days later, the overdrafted amount in my account was taken out of my parents ' account. Bank of America first said that I was sent fraud alert / transaction approval requests via phone call and text to my cellphone. I have the XXXX logs for my account and there are no calls from the number provided by Bank of America. There are also no texts ; in fact, XXXX told me that I have a block on incoming texts of this nature. Bank of America also said that I returned their call/text approving the transaction ( s ). There is no record of any outgoing call to the number they provided in my XXXX logs. When I informed Bank of America of this, the story changed to the call approving the transaction ( s ) having been made from a third party. I asked for that number, and was told that Bank of America would not provide it without a subpoena. I had the XXXX County, Georgia police department issue a subpoena. After waiting for a month for a reply, the police received a reply to the effect that Bank of America had no record of any persons or accounts related to the subpoena. Bank of America has also changed the times they provided for various phone calls and texts when I have spoken with them. I feel that they are lying or covering up for their error. They say that the person making the third party phone call provided either the last XXXX digits of my SSN or my zip code to authorize these transactions. First, there were XXXX different fraudulent withdrawals from my account, XXXX from an ATM, and XXXX money orders taken out at XXXX. Only XXXX authorization call/text was purportedly made. I am a XXXX with very little money. Bank of America should have been highly suspicious when large amounts of money were going into and out of my account in a short amount of time. I have filed a police report. I have looked at the photos from the ATM transactions. I do not know this person. I do n't know how this fraud was perpetrated. I did not provide my PIN to anyone. Bank of America is assuming me as guilty and expecting my parents to pay for this. I feel like Bank of America is this huge organization that can say and do anything they like. They can change their story every time I talk with them. What can I do? I do n't have money to hire an attorney and go after them. I work hard for my money, XXXX and XXXX, and XXXX. I am trying to save for college so that I do n't have to be a burden on my parents. This is a real blow to my financial situation and my faith in humanity.
I had a truck loan that was repossessed unlawfully. The company turned around and sold the truck for way under what the truck was worth but continue to bill me for the remainder of the loan which is predominantly interest as this is a subprime auto loan. I have an attorney and they were notified that I was filing bankruptcy so they hurried to file suit. I decided not to file bankruptcy very recently and was going to settle with the company but all of a sudden I have a garnishment on my paycheck for {$560.00}. I can not afford that payment amount and can not afford my bills now. I want to find out how much the loan company is ACTUALLY out from the truck without interest as I know it is not the {$6000.00} they are trying to charge me. The truck was never worth that amount. I was tricked by the dealership into even signing for this loan. XXXX and Gateway Financial trick customers into loans they can not afford and then repossess and that is how they make their money. XXXX and XXXX is who garnished my wages for Gateway. I need help with this company. I will pay what I myself caused, but not {$6000.00} to a greedy company making money off of customers who are desperate and easily tricked. This is unfair and deceptive. I want to settle on this and stop the garnishment.
In XXXX of 2015 I offer to purchase a short sale of property with Bank of America after submitting all the documentation the contract, short sale agreement sign by both parties the bank send a counter offer which was accepted, waited for about a week to find out through equator that the negotiator have shut down the deal because he said he tryed contactingthe seller and due to lack of respond he closed the deal, and have us resubmit the whole short sale offer. We went through the whole process to find out after a month that the deal was dead beacuse the negotiator made the determination that the transaction was not an arms-length transaction due to the fact that a real estate agent was not used nor that the property was listed in the XXXX but instead in XXXX. ( by the way the saling price agreed upon was above the maket value of the property and no relationship whatsover with the seller making the transaction an arms-length ). Now in order to sale the property the seller have to re-list the property with a realtor which will increase the cost of the transaction, and to make matters worst I could not purchase the property as per policy of Bank of America.
On numerous occasions I have disputed incorrect addresses reporting on my XXXX  credit report. I disputed the address starting XX/XX/XXXX continuously and one representative I spoke to said that those addresses were removed which was a lie because they are still there. This could be a possible fraudulent address and is not taken seriously. 

XX/XX/XXXX. Confirmation Number XXXX XX/XX/XXXX Confirmation Number XXXX.
One of the address is incorrect. I never lived in XXXX, NJ. That is wrong address. Please delete wrong information. Thank you.
I call Toyota Corp and they told me at one point the dept that I owe was XXXX, they will settle my account with me for half the amount that was owed. And when I was able to pay my dept. I had reached out and they told me that the dept has been forwarded to a collection agency. The collection agency then said I owe over 15,000.  I told them that the account amount was incorrect and I have proof, which is XXXX a letter from Toyota stating what I owed. they then told me to send them a picture of the letter that I had. ( Which I did ) they then call me back after two days saying that the vehicle has not been sold for the amount that they where looking for that is why the dept went to XXXX I then made arrangements with the collection agency to settle the matter and have it deleted from my credit report. And once they receive the funds. I received a letter from the collection agency, saying the dept was satisfied. But the dept was not deleted from my report.
After incurring an unwarranted fee, I attempted to close my checking account. I requested that my remaining funds be distributed as {$150.00} in cash and the remainder in a check. I signed for {$150.00} and was handed a cashier 's check for what I thought was the remainder, which I was charged a {$10.00} fee for. Later in that week I was sent an overdraft notice, saying that I was {$150.00} overdrafted. I attempted to determine how this could be online, but BOA had canceled my online account which prevented me from accessing my financial records to verify. When I went to the bank, after waiting for 30 minutes I was informed that the {$10.00} fee was made in error, further the banker acknowledged that through the teller 's negligence that the bank had overpaid me, causing the overdraft. I have no desire to spend even more of my valuable time to settle the account - as I view the {$10.00} fee in conjunction with the facially deficient closing of the account, along with the extended wait time, to be retaliatory to me closing the account. Further, when I went in to settle the matter and expressed interest in contacting the CFPB to settle the matter, the bank manager strongly suggested that I settle the account because " it could go into collection '' or be bad for me down the line - he said I was free to file the complaint but continuously pressed for me to settle the account to avoid future negative outcomes.
I have been trying to obtain a loan modification, the lender has just put me on Repayment plans that I can not afford. I have currently applied for a modification and until XXXX day they are telling me that they got the documents.