WillisBack/dataset-financial-user-claim huggingface dataset:
At the beginning of XXXX we received news from our home builder that we would close on it on XXXX XXXX. On Friday, XXXX XXXX, we received from the builder 's ( XXXX XXXX ) lending company XXXX a tax form to authorize them to obtain copies of our XXXX tax statements. By Monday, XXXX XXXX, we had found out that the form was being sent in too late to get copies and still make an XXXX XXXX close date. We also found out that the documents we were requested to send in and that we promptly sent back at the beginning of XXXX were the last XXXX months of bank statements, a copy of our HUD1 form and the contact information for our insurance agent. I had asked the representative to send me an email confirming receipt of the documents and she did. On Monday, XXXX XXXX we found out that all of the documents we had turned over had not been turned over to the underwriters at XXXX and our loan sat for XXXX weeks with no attention to it and no communication to my husband and I as to the status. My insurance agent also called me on XXXX XXXX to relay to me that she received a request for insurance certificate on the new home. The fax that XXXX sent to my insurance agent was dated XXXX XXXX and the fax requested that the insurance company provide a certificate dated as of XXXX XXXX when our original close date on the new home was XXXX XXXX. I have a couple of issues with this fax 1 ) the person who faxed the request to my insurance agent was the same person that I had just spoke with for the first time on XXXX XXXX and had informed me that none of my documents ( e.g., bank statements, HUD1 form etc. ) were on file ; and 2 ) the fax mentioned an effective date of XXXX which does n't correspond with a fax date of XXXX nor a close date of XXXX. On more than one occassion we have been asked to submit documents ( e.g., bank statements, W-2 's etc. ) after we have already submitted them and I never seem to deal with the same person. It appears as if XXXX XXXX has multiple people working on the loan but no one knows what the other is doing. It is at the failure of XXXX that we are now having to move our close date back.
Mariner Finance garnished my wages without properly notifying me. XXXX XXXX XXXX and XXXX XXXX XXXX located in XXXX notified me that a Garnishment was placed on my account XXXX XXXX, 2016. I did not receive anything in writing stating they were attempting a Garnishment. I feel this is very unfair and unjust.
On XX/XX/2018, I received a targeted e-mail promotion from American Express for my American Express XXXX XXXX card to earn 10x the bonus points for purchases with XXXX. When I clicked the link to enroll my card in this promotion and then clicked enroll within the link I repeatedly received an error message saying they were unable to enroll my card due to a system issue and to try again later. I have tried to enroll my card for this offer on numerous different browsers for 5 straight days and receive the same message every time. I contacted Amex regarding this issue and was told there was nothing they could or would do to fix this issue to get my card enrolled in this offer. I find this to be fraudulent and misleading advertising.
This is in regards to the Government taking action against Citi Bank with a {$700.00} XXXX judgement and returns to 8.8 Million  accounts. 

Citi said and shows a balance owed me at {$730.00}. However if one divides 8.8 Million into XXXX XXXX  it looks like each account would receive over {$5.00} XXXX. My refund doesn`t even come close to that amount. So who is getting those {$5.00} XXXX refunds. Amount is just a quick estimate as you know.
In XXXX of XXXX. I purchased a car through XXXX, which is now Bridgecrest. I had no issues making my payments. In XXXX of XXXX. The car basically began to fall apart, XXXX issue after another, the alternator, the alternator electrical harness, the exhaust system, XXXX new tires, a transmission pump and an oil leak thus to date. I was contacted by Bridgecrest when I feel behind due to having paid over {$3000.00} in repairs just to keep this car on the road. Now mind you it is a XXXX XXXX XXXX and I am told I still owe XXXX after making two years of payments. I was invited to do a loan modification or basically add my payments on the end of my loan keep current. I signed up for that program, but the money never left my account. I filed a report with the XXXX and was contacted by a named named XXXX XXXX who stated he was with Bridgecrest customer service. He began by saying I have looked at your account and there is nothing I can do to help you, He was very condescending and just basically rude and pretty much I got the impression, I was somebody who was wasting his time. I finally said is there someone else I can speak with, and he yelled at me No, there is not, I am a supervisor and no one can help you!!! I called back after we hung up and got another person, I had her look at the notes and I inquired if there was someone I could speak with and if in fact XXXX XXXX was a supervisor, she replied I am sorry he is not. I said can you please pull the call record and I would like someone to help me. She advised that she would have a supervisor call me back immediately, which has never happened. All, I wanted, was them to make good on my modification to get my payments on track. Instead of wanting to help me or to even treat me like a human being. I was lied to and talked down to.
ENHANCED THEIR LAW OFFICE SETLED THIS MATTER OUTSIDE COURT! ON XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX APPEARED AGAIN ON XXXX?
XXXX Bank XXXX is the substitutionary plaintiff in an ongoing foreclosure case in XXXX XXXX XXXX Court of XXXX XXXX, Florida, against me and my wife. 

On XX/XX/XXXX, XXXX XXXX from JPMC prepared a FRAUDULENT Assignment of Mortgage from HUD to XXXX Bank XXXX. XXXX XXXX signed as Power of Attorney for HUD. 

I contacted HUD, XXXX XXXX. and they informed me that since they are an insurance company, they PAID OFF Chase in XX/XX/XXXX and that Chase transferred the loan to XXXX. Yet, XXXX Bank XXXX is trying to foreclose on my property. They have no right to my property and I want to report this as a FEDERAL CRIME - impersonating as an attorney for HUD. Please address this matter IMMEDIATELY, as there may be a court hearing soon.
equifax is refusing to produce the proof of dispute verification. they continually stall and will not produce it for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available
I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all XXXX reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

XXXX
My information was stolen and used after me and my family moved to another house my information was used to take out student loan and other stuff I have never been to college so I don't no why my information was used to take out student loan I would like you to please removed these fraudulent items from my credit report. thank you. 




XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status - Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$3600.00} Type Credit Card Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6500.00} Type Credit Card XXXX XXXX XXXX   XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late
I was a resident at XXXX XXXX XXXX Apartment Complex in  XXXX, TX. 

I was planning on moving out within the next 3-4 months and my lease was ending in 30 days. The leasing office advised me that it would be more economical if I renewed my lease to keep the 12 month rate, as opposed to month to month and I given I provided notice I would not be hit with any move out fee 's or the like. 

When I moved out, I was charged 2 months rent and it was pushed to collections. The lady working in the leasing office was new at the time and advised me incorrectly. As a result, I 've had to suffer with a collections balance from Hunter Warfield. 

They call my phone constantly despite telling them I am not going to pay and to take me off of their list. I blocked their number but they keep calling on other numbers. 

I have never had any issue with collections besides this bill. I 've always remained in good standing and have been issued credit cards from all the major banks, without defaulting on any payment.
They have called multiple in-laws, grandparents and estranged cousins today threatening legal action against me if they do not get me to respond within an hour to 30 minutes, today. 

Each family member has been told that they have been attempting to reach me. They 've been told I 've ignored their calls today. My cell phone and work phone have been silent. Furthermore, I have never received paper notification from this company that I owe debt to them or any of their affiliates. 

All of the people called are not people I have never used as credit reference, nor live in the same State as myself.
I have been sick with XXXX XXXX for 2 aND 1/2 years. I was forced to leave my job ( I was terminated when I applied for another leave ... ). I needed more XXXX. 
My mortgage is serviced by Ditech Financial and I am being harassed and threatened by the account rep working on my account. 
" XXXX XXXX '' aka XXXX is that account rep. 
She calls everyday and tells me that I am refusing to talk to them. In the same conversation she will ask the same questions. " But you wo n't tell us what your intentions are. '' I called customer service, explained the situation and requested a new account rep. I was told that, " i'Ve never seen that happen since I 've been here. '' No change was made and I continue to be subjected to these rude and abusive collection techniques. I am waiting for Soc Security XXXX and a XXXX XXXX payment which will be monthly, but XXXX tells me that " I just need to graciously exit the house because I ca n't pay for it. '' I am behind in my payments - I was unable to make my XX/XX/XXXX and XX/XX/XXXX payment and I am less than 60 days late. 
When i'Ve spoken to XXXX , she says that I refuse to give them information ( as I answer their questions ). I refuse to take her calls - she called today and left a message, " XXXX XXXX - we have n't heard anything from you ... '' I'Ve been in this house for 13 years. I never paid late. I have a serious illness - I am not a dead beat. 
There are so many complaints i 'm reading about this company and XXXX talks to me as if I deserve to be treated like a XXXX. I do n't! I need help - now. I 'm asking to be treated according to the boundaries set up as acceptable collection practices. Please!
None of the above describe my issues However, on XXXX 2016, I call XXXX XXXX XXXX for Speedy Cash XXXX XXXX after viewing my XXXX credit report I came into an agreement with them to pay off the {$1400.00} in full that day and they promise to delete the collection file from all Credit Reporting Agent. However, to this day that has not happen, their excuse : In XXXX 2016 they said it take 30 days ; XXXX 2016, they said it take 30 days, XX/XX/XXXX - XX/XX/2016, they said I would have to wait another 30 days however, they did say that they did submit the information to all Credit Reporting Agent and they just have not done it however, I call XXXX and they said the late time they had any communication with XXXX XXXX XXXX XXXX or Speedy Cash since XXXX XXXX, 2016, and the did not ask them to delete any files. I attempt by phone to resolve this issues to know avail, just lies. Can not contact Management of lender.
I ordered XXXX XXXX XXXX Internet and Phone Line Service for my business date XXXX/XXXX/2014 and connected service date XXXX/XXXX/2014 but I did not satisfy with service because the Internet too slow and the phone line had too many strange called in, I had to cancel XXXX XXXX XXXX service and changed to another company is XXXX date XXXX/XXXX/2014 and return all equipment to XXXX XXXX XXXX with in a month of service. XXXX XXXX XXXX sent me a bill to charge for Service and early cancellation {$430.00}, I do n't want to pay that amount because and canceled XXXX XXXX XXXX service with in 30 days with no fee, now XXXX XXXX XXXX sent it to collection.
I had 2 checks for {$1600.00} sent to Capital One in XXXX from XXXX XXXX XXXX, XXXX of AL. 

Capital One received and deposited the checks but failed to give me credit for said payments. The XXXX check was deposited on XX/XX/XXXX and the XXXX check was deposited on XX/XX/XXXX 

I have sent proof to Capital One and to XXXX, XXXX, and XXXX  by certify mail several times and Capital One has denied receiving said proof. 

Capital One sent me a letter requesting that I submit proof within 30 days and my attorney fax said proof within the requested time period and they denied receiving it. 

Capital One actions has caused me serious harm in that I am a senior citizen on a fix income and has caused me stress, lowered my credit score, especially showing my account with them as a charge off when in fact I have doubled payed them, I lost lines of credit, pay higher interest rates, and I been denied the opportunity to get into a retirement facility, and I have been refused additional credit.
I had a Mortgage with Bank Of America for my home in Florida. I have been advocating to save my home since XX/XX/XXXX when Bank Of America sent me a notice from a Florida Developer that they wanted to buy my home as part of a development buyout of our community. Bank of America did not give me the notice until XX/XX/XXXX but they received it in XX/XX/XXXX. This delay which gave way to me being beyond and objection time frame regarding the sale of my home, therefore Bank of America eliminated my ability to object. 
Bank Of America and their employees caused further harm when they did not accept the Full payoff for my home but instead a very low value. The Home was located in a pristine waterfront yacht community. Florida Law required in addition to my right to object to the sale but also that any first Mortgage is to be paid in full. ( Bank Of America held the First Mortgage and the only Mortgage ) Bank Of America further harmed me when they did not accept the full payoff as required but instead sent my file to another department to charge off my balance and ruined my credit by deliberately sending notice to the credit reporting agencies. 
Bank of America employees to numerous to list including on XX/XX/XXXX XXXX XXXX resolution specialist letter designed to continue to ignore the matters of the complaint and talk about other matters in an effort to sidetrack the complaint.Her summary of research was limited to 2 sentences.The letter was designed to hide many facts including when the developer sent me notice via Bank Of America and who received the notice so not to expose wrong doings by those employed by Bank Of America. 
Because of the lack of proper actions by Bank Of America and their employees we were forced in an unreasonable time frame to vacate our home, boat dock and fire sale our boat and leave our property and community, while Bank Of America gave no thought to our wellbeing after more than 10 years of payments to them while refurbishing our entire home to protect its equity. 
All of our payments were current including HOA fees and taxes. 
All documents and files including letters from Bank Of America will be available with the timelines when all notices were received.
I was trying to remove ex wife from title and they told you to apply for a modification and I was told in order to qualify you will need to stop making payments.   The application process halted because they were requesting income documents from my ex wife. I did not receive written or verbal communication that there were missing documents from your submission and they did not advise of this until you called in to check the status. I was later told they did not contact you because of your ex wife 's bankruptcy. I did not have a bankruptcy and they should be in contact with me, they agreed and updated the system.   I was then told by a different representative a month after my documents were sent that a modification would not remove her from the note and to do an assumption and requested paperwork and you sent in.   They then said weeks later I can not do an assumption because your past due, which was their original instruction. They said they will continue with modification to bring me current, and requested documents I had already submitted. When you advised this my account  manager  had you send directly to her and said had to be that day because foreclosure sale is scheduled for  XXXX .     I was not provided written notice when they initiated the foreclosure process ( due to ex wife bankruptcy ) I was not provided written notice when a sale date was scheduled ( due to ex wife bankrupt cy ) Thi s all started in the middle of  XXXX , they received all documents from me  XXXX / XXXX /  XXXX   but then continually asked for more documents.
We are very disappointed with the outcome of our complaint to your office ( complaint number XXXX ). We know now, we were victims of a predatory loan. The people who worked at XXXX XXXX XXXX XXXX in XXXX, PA, the office that prepared our refinancing in XXXX, were XXXX for fraudulently inflate mortgages. ( please read the article we found XXXX : XXXX ). We were unaware of this until many years later after our home went into foreclosure. We have also discovered the company they worked with XXXX XXXX ( whose name is on many of our refinance papers ) were also involved in the scheme. ( please read this article : XXXX : XXXX ). 

Also, our mortgage company now Ocwen, who took over our mortgage from GMAC, say our modified mortgage is not from the HAMP program which is not what we were led to believe. When we signed for the modified mortgage, we were told it is part of HAMP and we even wrote a letter to thank President Obama and we received a nice reply from him. 

Needless to say, we are very disappointed you did not follow up on our complaint as of this date. We are still underwater on our mortgage. Our modified mortgage is a principal of around XXXX but at the end of our 30 years we will still owe another $ 90,000+ which is so unfair. We will not rest until this is resolved. 

Sincerely, XXXX and XXXX XXXX XXXX, PA XXXX
Someone in XXXX is using my social secuirty number. I sent a questioner to XXXX XXXX XXXX and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement?
On Tuesday XX/XX/2018, GC Services called the mother of my girlfriend, claiming that she was listed as a contact point to reach me concerning a financial matter. They attempted to ask her to divulge personal information pertaining to me which she did not provide. I never listed her as a contact point for any debt repayment processes. Under the FTC I believe it is illegal to contact third parties in regards to my personal financial information. I want to report this company for unlawful deceptive debt collection practices.
Good Morning, I writing to state my concerns. I had a car loan and it was repo and the car was picked up and sold I never hear from them again after that. I checked my credit and showing balance and charged off and still reporting past due and two different balancing on credit and it was charged off in 2013 they are reporting on my credit. I sent three cert letters and they sent nothing back helping the to support and things that I put on letters. Satander is the company I writing about. So I wondering what my next step is if it is charged off then why is it still showing on y credit as late payments and past due. If they charged it off and they told me in my dispute they charged it off in 2013. balance with satander is XXXX and some change. or the other balance XXXX I do n't have balances in from of me right now but I have to them someone contacts me. This account is showing activity when its was to be charged off in 2013. I have the three letters that I have sent to them and nothing as been resolved at all.
I did not receive a letter informing me of the debt, I found out after running my credit.I called and requested a letter in XXXX/XXXX/2016 and i still have n't received one.Started making payments on a payment arrangement still have n't received a receipt after XXXX payments.Company refused to fax or send info regarding payment plan or payments received.I offered to sign consent.I called numerous times were my info was given without right party ID.