WillisBack/dataset-financial-user-claim huggingface dataset:
Hello I am contacting you on behalf of my XXXX year old grandmother. We have been dealing with 21st Mortgage on a loan modification and we were under a bankruptcy. The bankruptcy judge stated the the bank could work with us on a modification while under the bankruptcy. I have been trying to contract the bank for weeks and I was n't getting anyone who would talk to me. I finally reached someone today who told me that they could n't talk to me because of the bankruptcy. I informed them of the orders from the bankruptcy court and they told me that the sale date is on XXXX XXXX XXXX and they could n't review a modifaction package. I told the young lady that I had been calling for weeks and no one from the legal department would n't answer the phone. My grandmother has been in her home for 40 years and she has always paid her mortgage on time until she was put into a loan that she could n't afford. The loan was transferred about XXXX or XXXX times to different lenders every time I put in a loss mitigation package to the new lender the loan was sold again. The assignment are also out of order. And I even tried to ask 21st mortgage about some of the programs that are being offered to help home owners stay in their home. And they basically told me that they do n't participate in any of the programs. My grandma owes XXXX on her home but it 's only worth XXXX and they will not work with us on reducing the price. We desperately need some assistance. The loan number for 21st Mortgage is XXXX. In the past I 've spoken to XXXX XXXX, XXXX XXXX and today I spoke to XXXX at XXXX XXXX who is the head of the legal department and she is the one who informed today that they would not be working with us. My grandma can afford to pay {$1500.00} to {$2000.00} a month but her payments are {$2700.00} a month. And my grandma was in a XXXX from XXXX XXXX until late XXXX. And I explained everything to 21st mortgage and I also told them that I had an approval from an investor for the short sale but they would n't even review my grandmas loan for loss mitigatio. 

Thank you for understanding,
I was on XXXX looking at my credit score and I seen a report for an auto loan that I did not apply for but yet it is on my report and damaging my credit. please help me resolve this issue.
I sent Merchants Credit a debt validation letter and they have yet to respond. Needless to say this is an invalid debt and does not below to me. I will seek legal ground if I have to because not only have they violated the FCDPA by not notifying me and giving me 30 days to respond to this debt initially. l. 

I sent Merchants Credit a debt validation letter XXXX XXXX, 2016 and it was delivered and signed for. See attached. 
And I did not receive a response with the items that I asked for. This is also the XXXX violation of the FDCPA and FCRA. 

The fact that it is still reporting on my credit report is another FDCPA violation.
I checked my credit report on creditkarma. Both XXXX and Equifax showed a " legal item '' on my public record. I contacted them both. Only XXXX corrected it, Equifax did not. Somehow my fathers " legal item '' reference # XXXX found it 's way onto his son 's ( my ) credit report. I can see how it happened as I am the XXXX ( XXXX ) and he is the XXXX ( XXXX ) so we share the same name just different XXXX. also I currently live with my parents so I share the same address. but I 've never had student loans, home loans, or new car loans. also all my credit cards combined have never added up to that amount. I 'm not saying this is a false legal item, I just want someone to see that it 's on the incorrect persons record. please help!
On XXXX I purchased some home decor from a lady via XXXX pay in the amount of {$1500.00}, however after numerous attempts to get my merchandise with no response from the seller I requested a refund however she never gave it to me so I filed a dispute with my bank which they gave a provisional credit on XXXX almost a month after trying to get this lady to give me my merchandise. Then on XXXX today I receive a letter stating that US Bank will not give me credit and are taking that money out of my account XXXX however I just received this letter and it is dated for XXXX. We did not receive any merchandise and we feel we are a victim of fraud however neither XXXX pay nor our bank is actually researching this person. I have numbers for this person, email, and documentation stating every excuse in the book why the seller never shipped my merchandise and even after requesting a refund she still never gave the refund and now her numbers are just ringing with no voice mail. This is horrible, we paid {$1500.00} out for items we never got and our bank will not help us out. We would really like to get our money back for this items because this effects our business in a very negative way. We need some help getting this money back and our bank will not help us with these fraud charges. 

Please please help us get these funds back. ASAP. 

The bank is US Bank and the lady who is working at US Bank That will not help us is XXXX XXXX phone number XXXX The person I supposedly purchased from is XXXX XXXX her phone number that she gave me was XXXX or XXXX her email is XXXX and she also has a name listed as XXXX XXXX. 

This isn't right nor fair to have to fight this like this but we need our money back! 

All documentation I have is via email, invoice through XXXX pay or text messages from me to this person trying to get my merchandise delivered or picked up. So I am not sure how to provide all that in this complaint but I am happy to provide it immediately via email or fax or some way.
XXXX   XXXX   were removed from my account the re added with new dates and now I 'm being sued what can I do this is a charged off account from original creditor
On XXXX/XXXX/15 I went online to research car refinance rates in my area. I used XXXX and found a site that I understood would provide me with the prevalent rates in my area. They required some personal information to identify the best rates. I completed the form and submitted the information. In no way did I request or apply for a car loan as I only wanted to research current refinance auto loan rates. Unfortunately this site uses deceptive messaging and serves as just a marketing gateway to lenders which consequently ran my credit XXXX ( XXXX ) times thus affecting my credit report/score. Unfortunately I deleted my browser history and do not have the name of the deceptive website but i do have the names of the XXXX finance companies that deceptively acquired my personal information and ran my credit report resulting as a hard inquiries on my credit report. 
I have attempted to contact the XXXX companies in question to no avail as they all have stated they are not responsible for the deceptive practices of the original website. I disagree and would like them to remove the inquires in question on on my credit report. 
I 'm respectfully requesting assistance to have the companies in remove their respective inquiry from my credit report.
This in a complaint against the credit bureau TRANSUNION, XXXX who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the XXXX that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired XXXX this situation XXXX.
Aqua finance ( A pplication #  XXXX  ) pulled my credit report they claimed I applied for credit with one of their clients which I did not. They placed an illegal unauthorized credit inquiry on my report. I have done my research and they have done this in violation of the fair credit reporting act. I asked for proof I authorized this inquiry a signed application or something they could n't provide it because I never applied. But they still sent me a letter refusing to remove the illegal inquiry so I am now researching my other options. I plan to take this as far as I have to I 'm not going to just let a business pull my credit because they want to.
As I ran my credit report today, I found some unauthorized inquiries on my credit report. I haven't been in search for or applied for a new job. Can we please get these off of my reports.
XX/XX/2018 my complaint is seems like my mortgage interest is going up in the payments are getting higher every Year once again my mortgage interest went from6.750 % to 7.750 % and there charging me more money every month and it very clear that I'm paying more interest then principal on this loan that's going to take me forever to pay it off. I'm watching every time Select Portfolio Servicing goes up on my interest and charge me more month on my mortgage this is totally unacceptable and I see they're stealing money and if I don't say nothing they going to keep doing it so please " CFPB '' look into this matter. I know my responsibility is to pay my mortgage every month but not get ripped off at the ends of Select Portfolio that stealing and upping my interest rate. I just retired XX/XX/XXXX of this year and I'll be damned if they try to go up on my interest more and charge me more because I will report them every time they do so thank you for your time. XXXX XXXX
I received a letter from First Direct Lending ( attached ) offering me a refinance with cash out. I called and spoke to   XXXX   XXXX  . I explained I wanted a cash out loan as I have credit card debt and am having a hard time paying them on time. My goal is to pay off all debt except the house payment as I plan on retiring in 3 years and my social security will meet the house payment. The house payment has never been late the home is not in default. I made it clear I do not presently live in the home and I was only interested in this loan if a cash out to pay existing debt were possible. I also advised that my credit was not so hot income to debt is high and I am falling behind in credit card payments.My bad credit should reflect only two things 1 ) do I qualify 2 ) at what interest rate. I also stated that to cash out, it was acceptable for the house payment to increase upward to {$1400.00} a month as social security payments to begin in three years would meet that amount. I was not called and advised or emailed and advised that I did not qualify. I received the loan documents ( attached ). 1 ) the stated value of property is {$180000.00}. They did not offer me the loan of {$160000.00} with cash out stated on the letter or a loan near the value mark with cash out, they only offered a loan of {$150000.00}. 2 ) Closing costs for this loan far exceed the typical 2 to 5 % charged. The closing costs are added to the loan. 3 ) My pay off on the current mortgage is {$130000.00} and this new loan amount funds only the extremely high closing costs 4 ) this loan increases my house payment yet it does not better me, it in fact only betters the loan company since they intend to transfer the mortgage as stated in the loan documents. 5 ) the interest rate is the same as I am paying now. All I get out of this is not paying one house payment ( {$1100.00} ) for which my new payment will be {$77.00} more per month for 30 years. {$23000.00} excluding interest over the life of the loan to skip an {$1100.00} payment. 6 ) I made it very clear I do not reside at this residence yet the box marked " primary residence '' is checked for my signature. 7 ) this loan increases my income to debt ratio when the entire point was to cash out and pay down debt. I think that the documents attached speak for themselves. Predatory lending, loan sharking ( {$23000.00} to skip an {$1100.00} payment ) and elder financial abuse. I emailed   XXXX   XXXX    with my concerns, he has not responded.
I've verified my information multiple times - but they are restricting my money and not letting me access my acount or funds. It has been ongoing for 3 weeks now. 

They also will not give me an explanation of why they have restricted my account.
On XXXX XXXX, 2015 I made a call to my lien holder, the goal was to obtain the information to the person that has the authority to make settlements as well as close my file out completely. I was told there is no one I could speak to that could help me. Attached is a letter with further detail
I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all XXXX agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on XXXX, transunion,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XX/XX/XXXX and they have verification wrong so i can not check on status. XXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?
We hired a moving company for an interstate move. We authorized a payment as required for delivery though the amount was in dispute. We agreed with the moving company on the amount quoted from their account department to me via email. We signed an authorization for this amount. We subsequently received an automated invoice for additional charges which were never explained to us to justify the second invoice. We contacted the moving company, their parent company and our credit card well in advance of the charge date to discuss. We sent numerous emails to the moving company and verbally communicated we revoked any authorization for a new charge. The moving company was never able to articulate justification for the invoice and the credit card company kept saying do n't worry about it until a charge occurs. Our credit card company said that since we provided authorization they are unable to dispute the fees in our favor and that this does not constitute fraud and to go hire an attorney. We went through several rounds with the credit card company including their agents/employees telling us : 1 ) this is a type of fraud and should be covered, 2 ) this is a disputed transaction and should be found in your favor, 3 ) this is an unethical business practice by the moving company and we will be contacted by corporate ( we were never contacted other than form letters ). So we are left with a moving company freely charging our credit card without authorization and the credit card company is not protecting us.
I got a payday loan with Continetal loans in XXXX Idaho, I missed my first payment due to being let go from work unexpectedly, I tried working with their manager on the issue but she kept refusing less than my payment amount. She then started calling me three or four times a day leaving only one message. Now they have come to my house twice to try and collect the funds out of the office? I offered XXXX dollars and told her i would meet her at the office she said no i have to have at least one payment of XXXX. I couldnt afford this, there is two times she refused my payment. Third time i tried getting on a hardship program was told i could pay XXXX if i came down that day and signed paperwork i wouldnt be due till next month, i go down and get the paperwork all drawn up mind you she is out of the office im dealing with another employee, she says she needs a payment before they can approve my hardship program. They continue to call me and harrass me everyday threating to take me to court. This has been 4 months of XXXX. Now i have to fear these people bullying me at my home? is this even legal? I chose cant contact lender because its the manager i have been dealing with so i have noone to call to report her.
I co signed a car loan with my husband XXXX XXXX. He died XXXX XXXX they had repossessed the vehicle XXXX XXXX we both get a cancellation of that for XXXX that 's what we owed on the vehicle. if we were to file that it would be XXXX. i thought they were supposed to sell the vehicle and we would be responsible for the remaining balance, i sent XXXX of the XXXX 's but i could n't find the other XXXX in the same amount to XXXX XXXX
I went to the finance company on base and they told me I would have to pay the full amount right then or risk having my company commander finding all about this problem. They stated it was protocole to report to my Co. and let them know about my delinquency. They started to make calls to my HQ and informed my Co. about the balance on my dept, and it was now a default status and there was nothing I could do about it. I would have to pay the full balance today, or they would have no choice but to notify my Co about this, they would restrict my account to me, they would also need the vehicle returned to them right away and I would not be able to get it back. I would have very bad credit as a result of this problem, and it would take years to repair it. They wanted the money right away. I just did n't have the money amount they were requesting, almost {$6800.00}. They came to get the car picked up, and told me to start looking at my credit report, as the negative information should be showing up pretty soon. I was so very embarrassed they contacted my company commander, and those around me on base regarding my credit issues. I felt as if I could do nothing at all, helpless to help my situation at that point. As a result of this problem, I could not get further credit anywhere, and my credit rating actually went down because of this also. We would like the additional money to deal with this problem, and to address the loss interest we would have incurred as a result of my partial payment made that I lost due to it not being returned. I have paid credit agencies money to try to clean up my credit rating, but it still shows negative from the Navy Credit union, it seems like my money is not doing anything so far, just wasting away. I am asking for help to help restore my credit rating as a result of my NCU account showing negative. I just want it back to where it was prior to this loan. Nothing more. I will now have to have a credit monitoring system in place, as the government seems ca n't do it either. I just want the right thing done here. Thank you. XXXX
Portfolio Recovery Corp ( PRC ) continues to call on a stale debt 2006, which was discharged. They were notified XXXX in the past about this
When signing up for my BB & T debit card, I vividly remember opting out of overdraft fees. Two days ago I transferred money from my XXXX to my bank, they said it would only take hours when it really took days. When the money had appeared in my account it was far less than what I had transferred. They charged me and overdraft fee. But how can this be? I thought you said you opted out of the overdraft fees? You're right, I did do that. These scammers take your money even after you've said you don't want your account charged after you don't have money left. This is XXXX disgusting and no one is doing anything to stop it.
I recently received a notice from a collection agency that said I had an outstanding balance on my Macy 's Credit Card. I have not used this card for in over a year and have always paid the balance. When I contacted the company they informed me that they did not have the correct address or phone number for my account. Although the Collection Agency did not have any problem finding my address. I told them that I had move over 6 years prior. I have never received any notification from the company that there was a balance of $ XXXX was on my card since XXXX 2015. They now say I owe them {$250.00} in late fees and interest. They indicated that they never received the billings that were sent back. I did not receive any billing or I gladly would have paid the {$37.00} which I offered to do in my letter that was sent as a dispute. They denied my dispute and say I still owe them for a bill I never received. Citibank has not been reasonable in trying to resolve my issue.
The credit reporting agencies XXXX, Equifax XXXX XXXX and XXXX XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts from my credit eport
In order to dismiss an adult abuse case against my husband after filing for divorce my husband agreed to purchase a home for me as long as I would use his lender at Stifel Bank, XXXX XXXX. I found a home at the end of XX/XX/2018 and called Mr. XXXX who my husband and I have done MULTIPLE real estate transactions with in the past and asked if there was anything he needed from me to speed things up because I had to be out of my home by XX/XX/XXXX. He for the FIRST time made the comment that my husband 's credit score was great because he makes so much money, but he would have to run my score. I thought this was strange since I had just filed for divorce XX/XX/XXXX. Knowing that XXXX XXXX and my husband had been hunting buddies for years I was concerned he may not be ethical so I had a back up lender run my credit report and my husbands. My credit score was above average but my husbands was FROZEN. When I asked XXXX when the last time was that he ran my husband 's credit score he LIED and told me he couldn't remember. I repeated the question and he said it had been a couple of years at least. Then I asked what happens if your credit score is ran to often and he got defensive and said, " I don't know, why are you asking? ". I told him it was my understanding that it can freeze your credit and that XXXX 's credit was frozen. And I had in my hand a paper that said Stifel Bank on XXXX where XXXX works ran his credit on XX/XX/2018. How could he not remember just a few weeks ago running his credit? He then yelled at me and told me it was none of my XXXX business and to go get a loan somewhere else. Not only is this unethical, discriminatory, rude, poor service, etc. It's unbelievable that a top professional who represents Stifel Bank would behave in such a manner. What an embarrassment on behalf of the establishment. 
It's clear that he was hoping to tell me that my credit was bad and I would not be eligible for a loan, thus my estranged husband would not have to buy me a home. Luckily, I had gone to a backup lender.