WillisBack/dataset-financial-user-claim huggingface dataset:
we were in bankruptcy in order to get a mortgage modification for our home loan due to the financial crisis. we started making payments in XXXX to the court and finally in XXXX a mortgage mortification was granted. we paid all our payments on time and we were actually paying one month ahead. When I called to make my monthly payment ahead of schedule they told me my payment had increased for by {$600.00} per month? When I questioned them they said there was an increase in my escrow, I called m y attorney and nothing had been filed with the court, the mortgage company faxed me the paperwork and the escrow report, the escrow report shows in XXXX they took {$3000.00} out of my escrow account then the escrow we paid in XXXX, XXXX, XXXX and XXXX of {$290.00} was not applied towards our escrow account then they paid our property Taxes and insurance making us even farther behind. I gave them the {$1600.00} I had paid ahead for our mortgage payment and paid them extra month to get the escrow caught up. We have requested and requested an escrow audit and it took more than 9 months but I received no explanation and only received a call that our payment would be going down by {$3.00} and I received a check for {$150.00}. We completed our chapter XXXX bankruptcy and it was discharged on XXXX I once again am one month ahead on our mortgage payments we received a statement that we had a {$400.00} unapplied credit and I made my XXXX and XXXX payment in XXXX and when I received my XXXX statement it showed we still had the {$400.00} unapplied credit but that our payment was now {$100.00} more because our escrow payment was higher, we received nothing in advance with no explanation of our escrow account?? When I called to make my XXXX payment in XXXX and ask them about the unapplied credit they said they had no idea what I was talking about even after it was on both statements they sent me, I again asked for an escrow audit report from the beginning and where the unapplied funds came fro and where all our money whet and why our escrow had increased without prior notice? Please help us.
I am handling the finances for a brother-in-law who has had a XXXX and my sister who has XXXX issues. At some point, perhaps over six months ago Citi bank sent out information that they were going to paperless billing. You were forced to opp out of it. I went online to do so but the procedure was most difficult. All choices led to paperless and if there was a way to opp out, I could not find it. After awhile, it was brought to my attention that their bill was overdue. I called customer service to see what was happening. As an administrator on their account the agent confirmed the bills were being sent to the right address. Because of the XXXX issues and multiple care givers, I figured the problem was on our side. The agent never mentioned the bills were paperless and as readily agreed to changing the mailing address to mine so I would not have this issue again. That action was deceptive as he knew they bills were paperless so why even bother to change the mailing address. He then sent me copies of the 4 months of bills I had not received. There was no mention that the reason I wasn't receiving the bills was that the account was paperless. Again, no bills come. So last night I spend an hour with customer service, as well as with a manager. I explained how I had tried to cancel paperless billing, it was something we never wanted, my sister and her husband have no computer, and no active email. I found out at that point they were sending the bills to her old email and she can't even access it due to XXXX issues. As an administrator on her account the company will let me change the mailing address, change the email address, they will send me copies of the bills after the billing but they refuse to let me change paperless to paper billing. I truly believe this is a scam on our older population. As a result of this policy, there have been repeated late charges and interest on my sister 's account since this new policy was instituted. Citi Bank insists that I, as an administrator, can not change paperless billing to paper billing as it is a security issue. Since I can change addresses and get copies of the bills after they are late, this makes no sense. This policy is fraudulent, and particularly targeted to those who are not computer savy. Paperless billing should not happen without your express consent. It should not be a default policy. And if there is an error in set up, the same person who is allowed to set up in the first place, should also be the person who can cancel. My family is fortunate to have someone looking out for them. How many elderly are being forced to pay late fees and interest on a policy they do not want?
In XXXX 2016, XXXX XXXX closed all my checking and savings accounts and my credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts and security freezes on each of my credit reports : XXXX, XXXX and experion. <P/>I have called each credit bureau and submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail. <P/>Requested Action. <P/>Please contact each of the credit bureaus to remove ALL fraud alerts and security freezes so that my XXXX XXXX can get information for my ready reserve applications. My XXXX XXXX has applies five times and can not get credit information to approve my application for new reserve accounts.
they say I have a file for collection with my name on it and they want met to pay threats of serving, arrest, legal action but wont give me any information on how they are calling on behalf of
They have me in chapter XXXX for 2015 and I haven, t filed for any chapter XXXX also they have it under a different name and not mine and I need it removed please ASAP
I had a judgment placed on me in XXXX of 2012 by XXXX apartment complex for an eviction in the amount of XXXX plus XXXX in court fees. I have been trying to pay this judgment to the apartment complex that placed it as I was advised to do the the judge 's office over this case. The apartment complex added XXXX in additional fees on my account after the judgment was set in place and then sent my account to collections with Hunter Warfield that now has a total of XXXX. I contacted the judges office that granted the judgement and they stated I am only required to pay the judgment amount of XXXX plus XXXX in court fees. And that the apartments do not have the right to add charges after the judgment was placed. All charges due should have been brought to court when we went. I am trying to pay this judgment and they have refused my payment because of the incorrect balance they are reporting on my account. My rights under the FDCPA have been violated. 
( 1 ) Contacting me at my place of employment despite receiving verbal notice from me that I am not allowed to accept such calls at work. After I stated this to the customer rep and provided her with my cell number she called me right back at my place of employment the same day ; FDCPA 15 U.S.C. 1692c states : Under the Fair Debt Collection Practices Act, a debt collector CAN NOT call the consumer 's place of employment if they have been advised that calls can not be accepted at work. 

( 2 ) Using rude and a hostile tone by the manager I was transferred to after requesting a copy of the itemized of the debt in question because the customer rep state she could not provide me with that information, the manager stated he submitted the information to be mailed to me and I still have not received a copy of the itemized statement for these charges on this account that was requested a month ago ; FDCPA 15 U.S.C. 1692d states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Use any profane language or any language that is harassing and abusive FDCPA 15 U.S.C. 1692d states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Engage in any conduct, the natural consequence of which is to harass abuse or oppress. 

( 3 ) Continuing to report to all XXXX credit bureaus an incorrect balance owed of {$4500.00} after I provided a copy of my court judgment for this account stating I actually owe {$1800.00}. 
FDCPA 15 U.S.C. 1692e states Under the Fair Debt Collection Practices Act, a debt collector CAN NOT Send false information to the credit bureaus
XXXX is reporting a collection on my credit reports for a " Check into Cash '' payday loan claiming it was opened XX/XX/XXXX. for the amount of {$210.00}. I have not had a payday loan since XX/XX/XXXX and it was paid. They have refused to VERIFY the debt. Or this is so very beyond the statute of limitations in Texas.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
I purchased my home through U. S Bank three years ago. I have never been late on my mortgage. My income dropped quite a bit which is causing me to struggle to pay my mortgage. I had a couple of charitable organizations help me, therefore my mortgage is still current. 
I asked U. S Bank for Loss Mitigation help or a modification. They are just giving me the runaround. First they said they were processing it, then they stated that they ca n't help me because my mortgage is current and must be behind at least three months past due. 
That is ridiculous and sound like they are just blowing me off. Please help me.
Responding to an email ad from Bank of America, we applied on XXXX XXXX, XXXX for a refinance for my rental home, owned since we built it 7 years ago. We complied with every request for documents, even having BofA contact our insurance agent and CPA. Dozens of emails, letters & phone calls later, & repeated delays, extensions & promises from them have gone on, usually with requests for more & more documents, not even pertaining to the property, but to our home & the other XXXX rental units we have, all dutifully submitted. BofA is currently the mortgage holder on one of those other homes, so a re-fi from them should have been a simple process ; we have excellent credit ratings and are stable, credit-worthy people, in the long-term rental business for many years, living in the same area our entire lives. Finally, on XXXX XXXX, they asked for an " update '' on the appraisal that was done by their appraiser in XX/XX/XXXX, an updated credit report, more copies of bank statements & another signed borrower 's certification form. The week before, I was asked what title company we 'd like to sign at, since the closing was finally at hand -- but no, yet more forms were now requested, instead! My phone service was down for a few days ( repaired yesterday ), so I could n't get these documents sent immediately electronically, but since they refused to give more than 2 days to get them to their Oregon office, they denied any further extension & canceled the loan application. We have been greatly abused in this process, a process even their loan officers claim was unusually, inexplicably & regretfully long. I would never recommend doing business with BofA, even though I had been a customer since XX/XX/XXXX! This was the worst, most demanding & most disappointing transaction I 've ever been through, & I 've bought, sold & refinanced many mortgages over the years. In view of all the time & effort this has cost us, only to lose this game of attrition, I feel our application fee should be refunded. I don 'd mind paying for the appraisal ( despite BofA thinking it needed an " update '' after only 3 months! ), but our time & effort would have definitely been better spent at any institution around here, which we 'll most assuredly do in the future.
It is impossible to cancel my membership account. I am being charged {$24.00} per month for a service I can not log into and it has been this way for more than a year. Every time I try to log into my account it says I am unable to do so and that I need to contact customer service. When I contact customer service I am put on hold for hours and never get through so the problem is never fixed. 

I have emailed their customer service as well stating I want to cancel my account and never receive anything back.
I have been fighting with Macy 's department store to have a charge-off removed from my XXXX credit bureau accounts. I never opened up a credit card with macys. I have notified macys on several occasions and they will not, and have not removed this charge off. I also notified the credit bureaus and they did not rectify this situation. I do not know what to do at this point. I did not open up a macys card and I do n't know whey they are reporting a fraudulent account I never personally opened up on my credit report after I notified them about this on several occasions.
EXHIBIT A - herein annexed.
Personal information, page 25 of 26 of  XXXX  credit report number  XXXX , Date d   XXXX   XXXX  , 2017   showing   XXXX   XXXX   address with an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.
<P/>
On    XXXX   XXXX   , 2017,    XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX   address in their records, therefore, they can not report such   XXXX   XXXX   to anyone.
<P/>
As a result, this   XXXX   XXXX   address must be removed from ALL credit reporting agencies.
<P/><P/><P/><P/>
EXHIBIT B - herein annexed.
Account in good standing page 20 of 26 showing   XXXX   XXXX   with the same Address identification number  XXXX  that establishes a link between PO BOX address and this credit grantor,   XXXX   XXXX  .
<P/>
On   XXXX   XXXX  ,  2017,   XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX   address in their records, therefore, they can not report such   XXXX   XXXX   to anyone.
<P/>
As a result, this   XXXX   XXXX   address must be removed from ALL credit reporting agencies.
In XX/XX/XXXX, I left the USA to XXXX in the pursuit of a XXXX. By mid XXXX I was still jobless, so I was unable to keep up the payments from abroad. Therefore I pursued negotiations directly with XXXX to find a hardship program or some payment system that would at least lower the payments. 
End of XXXX, we had reached a deal to work a payment plan that would lower the payment and keep the credit from faltering. Unfortunately, they denied everything that I had negotiated as if it did not happen and I was only bubbling the payments. They rudely cared little for me and did nothing to help, only demanding only payments. By the end of XXXX I tossed my hands in the air. I had to make a decision between food and the payments. Of course, I chose food. 

I swore to myself I would take care of this when I returned. After four fruitful years in XXXX and XXXX studying and working, I returned to the USA this past summer jobless once again. On XXXX I received a letter from Northland Group ( debt collector and possible new owner of the debt that has not been verified ) requesting I accept the current situation or dispute it by XX/XX/XXXX ( 30 Days ). No response will mean I accept the amount of the debt. I will be sending a letter soon to dispute this wrongful situation. 

I hope you are able to assist me and find terms that both parties can agree upon that will allow me to put the debt and emotional frustration behind. 

Kindest regards,
XX/XX/XXXX i tried to depost {$3000.00} into my Coinbase - XXXX account using Coinbase. They froze my account for no reason and then disabled buying options. I have emailed them multiple times no one responds. I call and no one ever answers. 

I have submitted multiple support tickets the last beingXX/XX/XXXX and todayXX/XX/XXXX Case ID : XXXX & XXXX
In 2014, I received a permanent loan modification on my mortgagewith Nationstar upon satisfying my XXXX consecutive trial modificationpayments. At the end of making those payments, I had funds left in asuspense account which amounted to {$1300.00}. It is myunderstanding that according to the Securities Instrument, thatthese funds were supposed to be applied to interest and principalbalance first. I requested that the suspense funds be applied in thisprescribed manner. However, Nationstar took it upon themselves toapply the suspense account funds to my escrow instead, without myknowledge or consent. At that time I was represent by legal counsel, namely, XXXX XXXX XXXX of Delaware, in XXXX, DE, who drafted and submitted a " Notice of Error '' to Nationstar on mybehalf. To date, there has been no resolution to rectify the misappliedfunds. The Notice of Error clearly demonstrated Nationstar 's blatantdisregard and violation of the protocol set forth by the SecuritiesInstrument as it applies to the allocation of suspense funds. Inaddition, I was promised that my first contractual payment ( postmodification ) would be made from the suspense account. Since mynew payment amount was approximately {$1100.00}, I would have alittle more than {$200.00} left in suspense, which was to applied toward thefollowing month 's payment, for which I would make up the difference. 
It was further agreed upon that I would be notified of the amount ofthat difference payment. Being that none of this came to fruition, Iwas left in a position to have to pay and subsequently becamedelinquent! My credit has suffered and I have incurred late paymentfees trying to get caught up and remain current. Nationstar has beenvirtually non-responsive and uncooperative to my attorney 's demandsand numerous requests for relief and rectification this situation.
I have several serious issues 1the amount credit usage 2 payment history 3 amount of times late 4 balance of payment left 5 deragoatory marks or statements not true 6 inquiries hard 6 fraud alert 7 amount of credit limit
I have owned my home for 30 years and it is now home to me and my XXXX grandchildren. I am retired and taking care of them. In 2009 I was pushed to refinance into an FHA loan by my daughter ( in order to benefit her ) and this raised my monthly payment over {$400.00} and added mortgage insurance. Not long after that I found out that my daughter was stealing from me and that she had a lot of problems. I was okay with the mortgage payment at that time because I had a good job and could afford it. However I was laid off after 24 years from my XXXX job and struggled with my mortgage payment and eventually fell behind. 

This loan is with Wells Fargo and I began trying to work things out with them but it was very difficult to make any progress. Instead of reviewing me for assistance programs for FHA loans they are ignoring me and moving me into foreclosure. I am concerned that my daughter may have gotten involved in the process and this has led to these problems. Wells Fargo should know that I am the borrower and that unless there is a signed authorization they should be dealing directly with me in regards to this issue. 

My main worry is I know that there are programs for FHA homeowners who are late on their mortgage and I would like Wells Fargo to work with me to try and qualify for these programs like modification or partial claim or forbearance agreement or repayment plan.. I have a pension and get SSI and can afford a fair payment. I do n't know what the problem is but I hope that they will decide to work with me instead of ignore me.
On XX/XX/2018 we made a church deposit in the night drop at Wells Fargo Bank. After counting the deposit it was placed in a bank bag along with the deposit slip and supporting documents detailing what was included in the deposit and it was initialed by 4 Church Officers.  The bank teller crossed out the four {$100.00} listed on the slip and changed our deposit without making contact with anyone at the church. When I reached out to the bank regarding this change, I was told that the teller balanced and so therefore there was nothing more they could do. I explained our procedure - that after counting the monies, they were placed into a bank bag, sealed and 2 Trustees go make the deposit ; so something had to have happened at the bank.
I have disputed with XXXX  TransUnion XXXX and XXXX to remove the unverified Bankruptcy and accounts attached to the Bankruptcy. XXXX has deleted the Bankruptcy from my report but XXXX TransUnion and XXXX has not. I have sent 3 Dispute letters asking them to validate with original files and they have upgraded my report with it has been validated.

I sent 3 rounds of letters asking them to delete the inaccurate information from my credit report being Bankruptcy and attached accounts. 

account numbers TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX, XXXX, I sent a certified letter XXXX return receipt received XXXX/XXXX/XXXX ) to XXXX XXXX XXXX, XXXX & XXXX of Capital One Financial Corp. To date I have not received a response from Capital One. The gist of the letter ( attached ) is that I was instructed to replace the Home Equity Line of Credit ( HELOC ) I had with Capital One as part of refinancing my first mortgage ( formerly with XXXX XXXX ) with them. My original HELCO with Capital One also served as overdraft protection to my checking account at Capital One. A feature I have always maintained was of utmost importance to me. As detailed in the attached letter to XXXX XXXX, after a month of receiving the run around from various departments regarding the overdraft protection status on my HELOC, I was told the bank no longer provides overdraft protection through HELOC! I could initiate transfers to cover any potential overdraft, but it would not happen automatically. Three times, the online system to transfer money from my HELCO to my checking has failed to operate. After speaking to four people in two different departments, Capital One still failed to resolve the issue. I ended up driving to the branch to get it done in person. To date I have been charged {$210.00} in overdraft fees. This is AFTER completing the bank 's own HELOC Overdraft Protection form as part of the application process. In short, the bank told me to change my HELCO for a lower rate and continued overdraft protection, then they turned around and denied me the overdraft protection, claiming that they no longer offered the service effective XXXX. Almost a year after they gave me the forms to apply for the exact service they claim to no longer offer and which I had been using for years prior. 

Finally I am very surprised and disappointed that I never heard from Capital One. I knew the President would n't respond personally and is probably completely unaware of the fact that I sent a letter to his attention in the first place, but the policies, practices and procedures of Capital One throughout this entire process has been anything but customer friendly. I might as well bank at XXXX XXXX!
They will not stop calling my job ; the office where I work and leaving threatening messages. I called them & told them I can not receive calls at work- he said he was not going to remove my work number from the record and they were going to come serve legal papers at my job. I advised that is against CA XXXX XXXX ; he laughed & said " have your attorney call ''
Dear Sir or Madam : FedLoan Servicing, a subsidiary of PHEAA, which manages the collection the student loan payments for the DoE, unlawfully and unethically administers the program in violation a various state and federal laws. Specifically, FedLoan Servicing engages in, inter alia, the following unlawful practices : ( 1 ) it charges usurious interest rates ; ( 2 ) it refuses to accept payments on weekends and holidays despite charges per diem interest on those days ; ( 3 ) it deliberately posts payments at least one day after receipt in order to delay processing and charge more interest ; and ( 4 ) it limits electronic payments to eight ( 8 ) per month. Despite multiple inquiries requesting the legal authority on which they rely, FedLoan Servicing ignores all communiques. Please investigate. Thank you. 

Very truly yours, /s/ XXXX XXXX XXXX