WillisBack/dataset-financial-user-claim huggingface dataset:
I requested a modification to Select portfolio on XX/XX/2016 attached you will find out the application with the supporting document but they had me in a dual track and now they said they do not have any application at all and had my home in foreclosure I had a complaint throe ambundsam consumer and i had no response at all over the pone they said that i will be receiving a payment plan and today they said there is nothing on file and there is no record of calls this company is been doing this to me fore the last 3 years and do not care about home owners bill of rights a list to review my financial information to have the opportunity to safe my home this collection agency refuses to validate the debt i need your help to save my home
I received a call from XXXX on XXXX/XXXX/17 at XXXX at my place of employment. I have never listed this number as a number that was okay to call to reach me. I told the woman who called that she would have to contact me at a different time on a different number as this was my work number and I could not receive calls here. She began demanding another number and a specific time. I told her whatever she had on file as my supervisor was taking notice that I was not on a business call. She then began yelling at me about how was she supposed to call me if I would n't give her all of the information that she wanted and ended the call.
I recently received my FICO score from Experian. It stated that a person 's score can either go up or down with this new FICO system. I looked down at my score ... .it went from XXXX down to XXXX ... XXXX POINTS! I called Experian. They told me that my recent charge of {$8000.00} on my XXXX caused it. I told them that I had paid the whole amount in full, and that my total credit allowance is {$30000.00} anyway. I only used up XXXX % of my credit limit, paid it in full, and now I am being penalized for it! I have never in all my years paid ANY bill late. Please tell me how to proceed to get my score back up to where it should be ... XXXX. As you can see above, Experian 's response was " final ''. I spoke to many people there, and no one ( even supervisors ) would help me rectify this situation. Your help would be so much appreciated. I am a XXXX widow ; I know if my husband were still alive, he would be reeling on his heels right now! He was a bank representative and very professional. He would never have treated his clients this way. 
Thanking you in advance.
On or around XX/XX/XXXX, I took out a first mortgage loan from Washington Mutual ( WAMU ) to pay off then existing first mortgage from XX/XX/XXXXXXXX XXXX. On or around XX/XX/XXXX, I received an unsolicited offer from Washington Mutual stating that I was eligible for a {$250.00}, 000 Home Equity Line of Credit ( HELOC ) and that the interest rate on the HELOC would be Prime Rate less 0.250 % for ( already ) having fist mortgage with WAMU and with an additional discount of 0.250 % for maintaining a minimum balance of {$50000.00} in the HELOC account. On or around XX/XX/XXXX, I entered into a written agreement with WAMU on the above basis for HELOC. Within days of signing the HELOC agreement, my HELOC balance was over {$80000.00}. Which, per the signed HELOC agreement, entitled me to 0.500 % discount below the Prime Rate ( 0.250 % for First Mortgage relationship plus 0.250 % for over {$50000.00} balance in the HELOC account ) Payments to my First Mortgage and HELOC were automatically and electronically withdrawn from my checking account each month by WAMU. 
During XXXX, when I was looking to refinance my first mortgage and HELOC, I noticed that my HELOC interest discount was only 0.250 % and not 0.500 % as per our agreement. Upon checking my past records and assistance from Chase XXXX XXXX CA office, it was discovered that within few months of signing HELOC agreement WAMU had reduced the interest discount to 0.250 %. When I asked Chase Bank, the inheritor of my mortgages from WAMU, why was the interest discount reduced? They told me that the reduction was done because of change in first mortgage. When I asked that why and who made the changes to the first mortgage ( I did not ) I was told Chase do not have any records of it because it was more than seven years ago. When I asserted that the loans were not paid off until about XX/XX/XXXX ( little over a year ago ) and that, strangely enough, Chase has kept and furnished me with monthly statements going back to XX/XX/XXXX, why can't Chase give the details of the change. I was told that that's all Chase can do and that I should contact CFPB. 
This is a classic bait-and-switch tactic by WAMU and blatant and perhaps intentional violation of a written agreement. Now Chase is conveniently hiding behind " Don't have the Records '' explanation.
We Got approved for a loan modification with XXXX XXXX services on XX/XX/XXXX We made our trial payments Starting XX/XX/XXXX till XX/XX/XXXX And XX/XX/XXXX XXXX XXXX XXXX Never sent the permanent contract on how much our mortgage would be on XX/XX/XXXX XXXX XXXX XXXX sold our loan to Rushmore. So we ask Rushmore if they could honor what XXXX Gave us and they said NO we will have to fill out for a new loan modification and we did and have been denied twice please help us we do not want to lose our home but they are not trying to work with us at all
Ive had a debt collector ERC on behalf of XXXX XXXX XXXX. Over the past months Ive called XXXX XXXX XXXX and I was verified as having account number XXXX as a XXXX account. This account doesnt match what ERC has been attempting to collect for Acct # XXXX. XXXX on several calls and chats has offered to send me a detailed record of the account that is registered to me Acct # XXXX in the amount of {$91.00} dollars. 
I have still not received any communication to verify any debt. I was told that the account number XXXX didnt show me as the registered account holder and that I would get detailed information to specify this as well. I have been able to keep my chat records with XXXX and have found their customer service, account billing and collections to all have different information. This has seriously impacted my credit for years and its unfair that I can not receive information for an account from XX/XX/XXXX. I was told by XXXX that they do not keep those records and because they are old records Id have to register for an account to get that information uploaded yet there is nothing in this account t profile. This Ive been calling and chatting now since XXXX XXXX and have not received any statements or records to prove what the chat representAtive told me. I have been told its a XXXX, a XXXX XXXX account and spoke to this department and nothing came up and then it was a. XXXX and nothing came up. It has been so hard and has created a very heavy negative impact on my credit.
On  XXXX / XXXX /  XXXX  , through my email, I received a response from CFPB, however I was unable to view it as I was trying to reset my password and gain access to the response but did not get any emails to reset my password, so I made a call and someone was nice enough to read the response. It was decided from CITIGROUP that the merchant denied the refund and CITIGROUP were unable to resolve my issue. I am declaring a secondary dispute towards this case because the services were absolutely not received from my merchant. The merchant has tied off communication with me and  CITIGROUP  is n't complying with this case. It is unfair that CITIGROUP is allowing my previous merchant to run away with {$900.00} while services were unfulfilled. I allowed the merchant to deliver the services after 3 months while being promised to be done within 1 month. I gave the chance but never received anything. These services were for a website creation from the merchant that was to be expected yet received.  CITIGROUP  claims that they have sent out emails, mails, and communication to notify me of an action that I have not taken. However, I receive everything and keep up to date with my emails, mails and other forms of communications, but I absolutely did not receive any type of communication from CITIGROUP involving the disputed case whatsoever. CITIGROUP nor the merchant are complying with my situation because they are making claims that I should 've taken action of response when the proper communication was not delievered to me.
I have three items on my credit report all three do not belong to me and I have no idea where they came from, please see below. 

XXXX # XXXX for {$1600.00} XXXX # XXXX for {$430.00} XXXX XXXX # XXXX for {$370.00} None of these belong to me.
On XXXX 2015 I received a package in the mail from Ally Financial letting me know that I was identified as an eligible customer for a discrimination settlement. I returned the package as indicated.XXXX I never got my payment. I called back in XXXX, and they said the payment was mailed to my old address, they updated my information. However I never got the check, I called again in XXXX, and they said that they are reiissuing the check again, but never got it, I have emailed and called them and they never follow up, they forward me to voice mails and they never return my calls. I called today again, and they have not returned my calls yet nor have I received my compensation. Very rude, and poor customer service, very dismissal. I did n't ask for this situation I think they should be able to help me and find a solution to this situation.
I recently filed a complaint against BMO Harris Bank. I requested that they freeze my account and prevent any further activity. I also requested they send me my original signature cards, as in my previous claim, they alleged I was not the owner of the account. 
BMO has charged me over {$3000.00} in fees in the last XXXX months, even though I requested my account be frozen. In spite of this they have let transactions go through my account, which I let them know were unauthorized and no one from the bank has reached out to me in effort to resolve this. Below is my original request. 

I tried to conduct business on my business checking account months ago and was told that I had been removed as a signer by the other signer on the account. When I tried to resolve this matter in the branch, I was given resistance and subsequently told that I had been removed and could not be added back. 
Recently I received a letter from BMO stating that I had not in fact been removed from the account and was a current signer as I had been since the account was first opened. It befuddled me how such an error could occur. 
I would go to the branch trying to transact business and told I was not a signer and were not allowed to speak with me. I was also informed by an inside source at the bank, that negative comments were attached to my the account, in a roundabout way, stating I am a nuisance to the bank! 
After, being granted access again to review my account after several months, I was affronted to find my account negative summing nearly {$1000.00}, after several months of my access being denied, due to unauthorized transactions! 

First, I am requesting any negative comments regarding me be removed from this account, as it creates a poor customer service experience at the teller line as well as when working personal bankers. It 's an impediment on the overall morale of the customer relationship! Additionally, I am requesting that this account be frozen and a new business account be opened until we can resolve and get to the bottom of this negative balance. 

And due to a death in my family and a father with XXXX, I am unable to go into the branch, so your willingly to help me resolve this using technology is greatly appreciated. 

Please be advised that a copy of this will be forwarded to the Office of the Attorney General as well as the Consumer Financial Protection Bureau for closer scrutiny of this matter! 

Thank you!
Collector called cell phone while at work after Statute of Limitations expired. 

Dynamic Recovery - XXXX - XXXX - XXXX I informed SOL expired, Called cellphone while at work, informed to not call again.
We are receiving XXXX mortgage statements each month from PHH Mortgage ( Mortgage Service Center ) since the company assumed our home mortgage XXXX XXXX. I called the company XXXX XXXX and was told that they send a monthly notification statement and also generate a statement when they receive a payment. This creates confusion and a potential duplicate payment to be made if XXXX does not pay close attention to the Payment Due Date which are the same date. The statements are identical forms with XXXX showing transaction activity of the last P & I/Escrow payment and the second statement showing no transaction activity. The only significance of the second notice is to identify next payment due date already identified on the previous statement. XXXX statements have same Payment Due Date. I 've paid multiple mortgage companies over the past 30 years and this is the first company that has issued XXXX statements per monthly cycle. Upon speaking to the PHH Mortgage customer service representative they stated that federal law requires them to send a statement when a payment is made. Unless I 'm missing something, the ''Dodd-Frank Wall Street Reform and Consumer Protection Act '' XXXX XXXX XXXX only requires the creditor to notify the mortgagor of the following below. There is no requirement to send a notice upon receipt of payment. A single statement to include last P & I/escrow payment should suffice as sufficient notice. 

SEC. XXXX. DISCLOSURES REQUIRED IN MONTHLY STATEMENTS FOR RESIDENTIAL MORTGAGE LOANS. 
Section XXXX of the Truth in Lending Act XXXX XXXX XXXX. XXXX ) is amended by adding at the end the following new subsection : '' ( f ) PERIODIC STATEMENTS FOR RESIDENTIAL MORTGAGE LOANS. -- '' ( XXXX ) IN GENERAL. -- The creditor, assignee, or servicer with respect to any residential mortgage loan shall transmit to the obligor, for each billing cycle, a statement setting forth each of the following items, to the extent applicable, in a conspicuous and prominent manner : '' ( A ) The amount of the principal obligation under the mortgage. 
'' ( B ) The current interest rate in effect for the loan. 
'' ( C ) The date on which the interest rate may next reset or adjust. 
'' ( D ) The amount of any prepayment fee to be charged, if any. 
'' ( E ) A description of any late payment fees. 
'' ( F ) A telephone number and electronic mail address that may be used by the obligor to obtain information regarding the mortgage.
After multiple attempts to get help to save my property from foreclosure I was offered a mortgage modification that is worth 3 times what the property worth a bigger debt in return for an affordable payment. How is this supposed t to help me?
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > I C SYSTEM INC  Not Proven Compliant Account -- > XXXX
The loan was taken out on XX/XX/XXXX for {$900.00}. Big Picture Loans have been deducting {$250.00} from my checking account bi weekly. I wasn't aware of the apr of the loan was 670.3853 %. I have already paid {$2400.00}, but according to the the account this is all going to interest and nothing to principle. I have revoked the ACH authorization, the contract doesn't end until XX/XX/XXXX. Meaning I would be paying over $ XXXX on a {$900.00} loan.
I am writing a complaint about my mortgage company ditech, I was billed XXXX which was grossly incorrect, so I contacted them. While doing so I encountered a representative that treated me with a discriminatory tone because I am a recipient of assistance with my mortgage. My payments are divided into a percentage that I pay and the remaining is paid by a subsidy. I have not had any issues with my previous mortgage company regarding my payments, but this is the second such incident I have encoutered with my current one. The call I am referring to took place on XXXX XXXX, 2016 at between XXXX XXXX and XXXX XXXX and is recorded by the mortgage company. I was given XXXX different amounts owed during the call and finally the customer service representative said that after running the numbers she could not see where I owed the amounts stated but that it was about {$130.00}. She said she would have to get with her supervisor before she could say for sure. I was told that it was the fact that I get assistance that my statements are n't accurate and that I should n't go by my statements. I asked what other method could I go by to determine my payments.
{$300.00} XX/XX/15 closed the account, I wanted to close the account but the company did not want to
I requested a free annual copy of my Equifax credit report. I was given access to it online. On top of the page, Equifax said that if I wanted to have access to my annual credit report for the next 30 days instead of just this one time, I need to create an account, which I did but as soon as I created an account, a new page popped up and I am now denied access to my free credit report that I had access to online before creating an account ( please see " Attachment # XXXX ). 

I have NOT disputed the issue with Equifax because all Equifax does is LIE, LIE, LIE. It 's a waste of time dealing with them directly. The only time they took me somewhat seriously was when I complained about them to the CFPB. Even then, they tried blaming me for their irresponsibility and failure to fulfill their obligations.
On XXXX XXXX, 2015, I received a prepaid XXXX Debit card from a company named NetSpend. I have notified Iowa 's Attorney General 's Office and NetSpend that I did not sign up for a this type of card. NetSpend sent an email back to me stating that they would remove my personal information and to cut up the card. I recently started looking at online surveys but have not received any funds or rewards. I am not sure if NetSpend received my information from a survey affiliate or my personal information was sold to a XXXX party.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company:XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX
I sold my home short sale on XX/XX/XXXX. Between XXXX and XX/XX/XXXX I received documents from GreenTree Servicing stating the loan had been paid in full, a satisfaction or release of mortgage, and the consumer note marked " PAID IN FULL ''. I am still, to this day, receiving phone calls from GrrenTree collectors trying to collect. I have even faxed these documents to GreenTree but still the calls continue
I am a XXXX Veteran. I purchased a money order from XXXX and did not use. Certegy has declined the transaction to return the money order and receive my money back. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. When I called and advised I had all the documentation used to purchase the money order they indicated that due to some XXXX risk factors they could not refund my money. The individual continued to repeat about risk factors that had nothing to do with my purchase considering I had the receipt, money order, money order receipt, drivers license. I was told that I needed to take it to another establishment to get my money and would have to pay whatever fees they would charge. This is consumer fraud. They should not be in the business if they refuse to honor the money order program as designed. Now I am stuck with a money order I can not use and the company refuses to refund my money.
We 've been making regular payments to our XXXX mortgage company but the payments have not been applied. They show on our statements as unapplied payments. The statements also show we are past due and this is being reported on our credit. We 've made several attempts to contact the lender, sent an email to their escalation dept but nothing is being done. Meanwhile our credit is being affected and we have close to {$1000.00} credit. How can a company accept payments, not apply them then place a negative report on the consumers credit? We were told by XXXX rep that the ARM was being reviewed but why are we being penalized? Please help us!
I am single parent with XXXX children, I 'm also the XXXX of a XXXX.My family and i have suffered a great hardship since XX/XX/XXXX, at such time i XXXX and had to have XXXX, while out on sick leave XXXX.This action forced me to become unemployed. Finally the unsubstantiated results came in just last month XX/XX/XXXX. Now my business XXXX number which allows me to XXXX has been terminated, I have no means of supporting myself or my minor child. In order to provide food we receive food stamps, free lunch at school, my son sat out of XXXX to assist us as much as he possible can, not to mention on XX/XX/XXXX. I just underwent another XXXX and on XXXX now trying to re-cooperate. I 'm totally XXXX out, I 've also XXXX. I have been a single parent for the last years and I 've worked very hard to provide for my family not once had i ever image being in a situation as such, and not being able to find some help. I have lost so much, now being face with loosing my home where will my child and i do.
A few years I saw that I had a collection open with XXXX about a debt but I 've never had XXXX so I disputed the debt with the credit bureau and it was taken off my credit report. A few days ago I once again saw that I had a collection in my credit report by Credit management for XXXX for {$1000.00}, I 've talked to XXXX about this and stated that I 've never had an account with them. I do not understand why I 'm still dealing with a debt I 've never had.