WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 this company called me at XXXX XXXX central time. The person on the phone was laughing with someone in the background when I answered. They asked for me. I told them I was XXXX and asked them why they were calling me at XXXX XXXX. The person in the line then disconnected the call. I called the number back immediately and asked who they were and why they were calling me at XXXX XXXX. She said they were XXXX XXXX and asked if I was XXXX XXXX. I told her I was and again asked why they were calling me at XXXX XXXX. I was angry and yelling when I said this so the lady told me I could talk to them later she wasnt going to talk to me and hung up. I called them back again and got a person named XXXX. I asked XXXX why they were contacting me and why they would do it so early in the morning. She asked me if I was XXXX XXXX I said that I was and asked why they were calling me. She said they weee calling to collect a debt. I asked why they would call that early in the morning and what debt would they be collecting. XXXX tried to say they never called me this morning. I told her that was a lie and she was the third person from her company I had spoken with this morning. I then told XXXX to remove me from their system and never contact me Again. I told her I have call logs of her company calling me multiple times a day sometimes 9 times or more and with the calls now being before XXXX I want no more contact from them at all. She told me she would remove me from their system and ended the call. I will be filing multiple complaints because 30 min after this call and her confirmation she was removing me from their contact list. I was then called AGAIN by this company.
My mortgage is running 30 days behind. I 've emailed asking someone to contact me to discuss a deferral of that one payment. I 've told them precisely the times I 'm available ( XXXX XXXX or XXXX XXXX ). " XXXX '' continues to call my cell phone, immediately followed by a call to my place of employment outside of those time slots and numerous times a week. This morning, XXXX XXXX, 2013, I paid my XX/XX/XXXX payment. Meaning my XX/XX/XXXX payment was due on XX/XX/XXXX. At XXXX XXXX, I received a " XXXX 's '' regular calls on both the cell and then office line. Her message was in a very nasty tone telling me that I needed to call her IMMEDIATELY. Why? At this point, I 'm 2 days late on my payment! I have now sent them a 3rd message through my online account making a complaint. But they seem to ignore this.
As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX
I made a timely appeal request and no written determination has been issued to date. This means, as a matter of law, until a written determination of an appeal is issued to the borrower, the modification process that began in XXXX can not be considered concluded. Therefore, Bank of America is required, as a matter of law, to keep a single point of contact ( XXXX ) assigned to this home loan account as I am still considered active in the modification process. 

On XX/XX/XXXX Bank of America is not following XXXX and other guidelines when it comes to incorrectly denying a borrower a HAMP and, instead, is trying to force me to restart the modification process rather than agree to settle for their misconduct throughout the modification process. 

I have repeatedly informed Bank of America I will not restart the modification process that I began in XX/XX/XXXX for which they have confirmed multiple times. Yet, Bank of America continues to harass me on this point. 

Bank of America has no standing to commence any separation processes or procedures such as foreclosure, but refuse to settle for their wrong doing. 

In the mean time, Bank of America is reporting to credit collecting agencies default on my mortgage loan while at the same time not taking any action to resolve the matter whatsoever other than harassing and threatening me time and again. 

Bank of America also keep on deleting and altering documents from the Online Borrower Portal. This is wrong on so many levels including their duty to preserve evidence and protect my personal and financial information. There is no excuse to be had on this point. 

Simply put, it has not cost Bank of Almeria any penalty they are not willing to pay when caught in the act of their wrong doing when it comes to the modification process.
I unfortunately was a victim of identity theft. On XX/XX/XXXX a total of 6 unauthorized requests for credit was made in my name to a number of different online lenders. Gladly no fraudulent accounts were ultimately opened from this attempt. I have successfully removed all credit inquiries from my credit report except for the 2 companies outlined below. Both companies will not respond when contacting their fraud group and requesting status of the inquiry removal. I have supplied all the information they indicated as required to resolve this issue. I originally reported these concerns to the companies below in XXXX of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Synchrony denied on-line credit for Care Credit product in XX/XX/XXXX and on XX/XX/XXXX and XX/XX/XXXX for a XXXX XXXX. These products cost approximately {$2500.00}. In all three cases an on-line generated denial was provided indicating only a credit score of XXXX. See attached file. 

In all three cases, no letter was sent to me from Synchrony Bank indicating the reason for credit denial. I believe this is in violation of the Fair Credit Reporting Act. 

The result of the denials, my credit score has suffered as a result. As of XX/XX/XXXX, no letters have been sent to me regarding this matter. Additionally, Synchrony Bank is not using my latest credit score from XXXX. The XXXX score they communicated on-line has not been current in several years. It appears Synchrony Bank is not purchasing credit history on a frequent basis or are unwilling to communicate why they used a XXXX credit score.
I have received letters from credit & collection recovery services I have asked for verification of a debt but they can only provide me a bill. I never agreed to the charges and have requested proof that I agreed to them which they have not provided. Is there anything i can do or can some one send me a bill and put me into collections without proof.
I had bought a new XXXX XXXX XXXX in XXXX 2010 and I had a contract to finance this car for 72 months. I deferred a few payments over the time when I bought the car. The car was financed for {$27000.00}. The car should have paid off by now and I talked to the finance company XXXX XXXX to see how much I owe and they say I still owe over {$13000.00}. This amount is crazy I asked for an audit of my file and they wo n't do it they say everything is correct. There is no company on this earth that would finance a car and if someone is that far behind in payments would n't repo the car. They know I make my payments in a reasonable amount of time over the years of finance even my credit report shows. Now I 'm afraid they will repo the car that I should have outright owned a year ago. Is there any help I can get to rectify the situation? They are telling me I have to pay over {$13000.00} to pay off the car.
My HAMP mortgage was taken over by Ditech Financial from XXXX XXXX XXXX a few years ago. My modified loan had a pay for performance clause where I was receiving $ XXXX off of my principle balance each year for up to five years if my payments were on time. I had a total of $ XXXX taken off of my loan balance. Ditech Financial recently sent me a letter saying that after a review they determined I was ineligible for the program as of XXXX of 2012 due to late payments or a refinance which takes you out of the program. They added $ XXXX back to my balance and offered no supporting documentation stating how they arrived at this conclusion. I checked my bank statement from XXXX of 2012 and sure enough my mortgage was paid on time. I never refinanced which was the other way to be removed from the HAMP program besides late payments. I have written and called Ditech to complain about this and everything falls on deaf ears. They basically stole {$5000.00} from me and I do n't know what to do???
I received advertising material stating that on XX/XX/XXXX lawsuit is being filed by Cavalry SPV, I have not been served for this matter. On XX/XX/XXXX I received a letter from Cavalry/ XXXX XXXX XXXX XXXX firm about {$47.00}, XXXX owed. On XX/XX/XXXX i responded with a certified letter of denial and a request for validation. I never received a validation of debt from them. Now it looks liked I will be sued by Cavalry. I believe t Cavalry had a window of time to respond and did not. This aleged debt is from XX/XX/XXXX. I am adding that XX/XX/XXXX I received a letter from Cavalry Stating that I owe {$47000.00}, the letter was dated XX/XX/XXXX. Cavalry called me to collect this debt on XX/XX/XXXX ... that's before I received a letter from them. I asked for debt validation and it was never received. I did file a report about Calvary to the Il Attorney 's office.
I have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.
XX/XX/XXXX REPORTED TO THE POLICE- WILL FIND REPORT AND DELIVER SOON - WENT TO XXXX XXXX XXXX AND REPORTED IT AND THEN CALLED THEIR THEFT CUSTOMER SERVICE AND WAS  TOLD TO CALL ANOTHER NUMBER THAT HASNT RETURNED MY CALLS IN ALMOST A YEAR. XX/XX/XXXX- I HAVE BEEN GOING BACK TO XXXX XXXX XXXX TO SPEAK TO A REP BECAUSE DEBT COLLECTORS KEPT MAILING AND CALLING NON STOP, I COULDNT SIGN UP FOR SCHOOL OR A BANK ACCOUNT AND I HAD ASSUMED THEY FIXED THE SITUATIONXX/XX/XXXX- COLLECTOR CALLED AND I EXPLAINED TO HIM THE SITUATION HE SAID IT WAS TOO BAD BECAUSE ITS BEEN A YEAR AND THE BANK WANTS IT. I PAYED XXXX $ TO HIM SO HE WOULD BACK OFF SO I COULD REPORT THIS. ON TOP OF THAT, I HAD BELIEVED MY CREDIT CARD AND SOCIAL WAS STOLEN BY A STRANGER ALL UP UNTIL THIS YEARXX/XX/XXXX WHEN I TRIED TO LOOK INTO IRS TO TRY TO FIGURE OUT WHY I DIDNT HAVE MY TAX INFORMATION AND WHY I NEVER RECIEVED MY XXXX. ALL MY INFORMATION ABOUT ME WAS STATED THAT IT WAS WRONG. IMMEDIATELY REPORTED BECAUSE I REALIZED MY EX HUSBAND HAD OPENED A ACCOUNT RECENTLY WITH MY NAME TO XXXX WHICH I CLOSED AND HE HAD TAKEN MY TAX INFORMATION FROM MY MAILBOX AND APPLIED FOR TAXES. WE WERE IN THE MIDDLE OF A DIVORCE AND HE IS NOT A CITIZEN. HE WERE ENGAGED AT THE TIME OF THE CREDIT CARD ISSUE
A letter dated XXXX XXXX, XXXX from XXXX XXXX stated that a small change in the amount of {$2500.00} was assessed to my account, see Letter pg 1 PDF. Upon receipt of this letter I called XXXX XXXX and spoke to a man that looked up the coding and stated it was for an insurance premium. During that time, I had experience working as a small-business XXXX XXXX and understood that as much as lending is about lending, it is also about selling insurance. The borrower would have to understand and accept the purchase of insurance that would protect the lender in the event the borrower died, became disabled, or  couldnt pay. Now, I was not asked to purchase an insurance plan on myself, I did not give XXXX XXXX permission to purchase an insurance plan on my behalf. I called XXXX XXXX again and I asked for more detail on the insurance plan and the woman on the phone couldnt give me any information and said she couldnt see any insurance notes and stated the amount is related to an agreement found within my promissory notes. 

I must have requested a log of activity because I received a letter dated XXXX XXXX, XXXX from XXXX XXXX that detailed previous transactions on the account, see Premium XXXX pg 1 PDF. The {$2500.00} insurance premium was listed within this letter and was applied to my loan principal on XXXX XXXX, XXXX, see XXXX XXXX pg 3 PDF. It never seemed right to me that I had paid for an insurance plan I had no clue what it actually covered, let alone, any details about the plan at all. In the event, should I become disabled, could I claim disability and know that my insurance plan would pay for the remaining balance on the loan and relieve me of my debt obligation? Am I paying annual premiums and dont even know about it? If this insurance plan adjusted the risk associated with my account, then why hasnt my interest rate decreased? I called the Texas Department of Insurance on XXXX XXXX, XXXX and spoke to XXXX. She asked me who is the provider, who is owner of the loan? I did not know who owns my XXXX XXXX loans. I did know XXXX XXXX was the servicer, but XXXX wasnt able to help me given that information. 

My question to XXXX XXXX is - What exactly is the insurance plan for and why did I pay for it? Can I have a copy of the insurance plan? 

Also, another question for XXXX XXXX - Who owns my loans, and can documentation be provided that can prove ownership?
Unknown account CHASE CARD Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$1100.00} Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History
In XX/XX/XXXX I received a correspondence from SLS dated XX/XX/XXXX that our account was in potential or existing default and a case manager had been assigned. I immediately contact SLS who stated the letter was sent in error. Another customer with a similar address should have received the letter. I asked for something in writing stating the correspondence was sent in error and told the rep could not do that but the account was noted. A week or so later, we received an additional letter, also dated XX/XX/XXXX, again stating that we requested mortgage assistance and our house was being sold via short sale. I immediately contacted SLS and again told this was sent in error. Our account was noted on XX/XX/XXXX that the letters were inaccurate but not from my original call a week or two prior. Again I requested something in writing stating this letter was inaccurate, especially because this was the second correspondence stating we wherein default and our home was being sold. I was told they would not and could not provide me with anything of the sort which at this point is unacceptable. 

We have never been late on one mortgage payment and feel are being targeted and penalized by what we can only assume is a predatory loan servicer/lender to try and take our home.
Currently use my bank account with a third party company called XXXX XXXX. I make withdrawals from them, and then they take the payment from my bank account. Well my bank account does not report my balance to them accurately, which causes a delay in using their services. Every time there is a delay, they lower the amount I can borrow. My bank also takes longer than any other bank I have ever used in order to post transactions. Which causes me to overdraft almost weekly.
Beginning XX/XX/XXXXof this year my house payment was increased nearly {$1000.00} per month ; from what I am being told it was due to escrow shortages from a property tax increase. I have spent the past two months attempting to obtain a partial release to sell off a portion of my property to compensate for the property tax increase that I will not be able to continue paying much longer. I was initially told that it would take 30 days to process, then told 60 days, then 120 days, and now that they do not know how long it will take. I have requested a number of times to speak with the special loans dept to clarify and to find out if they need anything else from me, but I keep being told that I can not speak to anyone in that dept and that I would receive a packet in the mail. I have not received anything in the mail and it has been months. I spoke to the loan guaranteerer about my situation and he said to speak to the escrow dept of my servicer to spread out the negative equity while I await the partial release. I called loancare ( the servicer ) and again was told that I can not speak to anyone in that dept and to write an email. I sent the email request and have had no follow-up from loancare. I have never been late on a payment and am working hard to maintain my end of this contract, but a near {$1000.00} month increase in my payment is ridiculous. I can not seem to get any assistance from loancare to help resolve this issue.
I am receiving letters from Wells Fargo stating that I have to raise my flood insurance coverage and has forced place coverage on my current property. I have called them several times. They have stated they will reach get in touch with my insurance company which they have not. In addition to the Wells is stating all my insurances must match, which my insurance agent has stated is false according to the according to NC law, they must be with XXXX % of each other which they currently are. Wells Fargo is trying to force place coverage on my property when it is not required on XXXX parts. One they do not have replace cost estimator from my insurance company. The issue according to my Insurance agent is the my policy is currently withing XXXX % of all my other policies which is within NC law. No one can confirm where they are coming up with the replacement cost coverage other than they must match. The only thing I have seen on file is appraisal which is under the required amount and my insurance agent has emailed me the replacement cost estimator. My problem with all of this is that the investor on the loan is XXXX XXXX which Wells is servicing the loan for and now we are told this is Wells Fargo 's rule not the investor. Frustrating that a bank is making up the rules when it should be insurance company and the state that is providing the coverage. In my opinion Wells should have asked a replacement cost estimator from the current Insurer instead of assuming coverage is not adequate. I am sure if we look closely that the additional charge for the additional insurance cost is a benefit to Wells Fargo in some financial way.
In XX/XX/XXXX I consolidated an old student loan and selected Nelnet to be my servicing company with 3.88 % interest rate. All these years I have been making payment towards that loan. In XX/XX/XXXX I applied for a new loan once I returned to school. I just recently graduated and noticed that the new loan had an interest rate of 6.87 % through direct loan. I attempted to look at the consolidation again. The web site stated that this is just to see what rates are available and not completing the process. When I saw that I 'm not going to get a lower interest rate, it is basically the combination of XXXX fix rate, I did n't pursue it further. I looked for an alternative way to pay off my loan with 6.87 % interest. On XX/XX/XXXX, I went to direct loan site to pay off my second loan, but I saw a XXXX balance. When I called I found out that the consolidation did take place. I looked for any type of warning or notification and the only thing I have is an email on XX/XX/XXXX that states my application is being processed and I can call a number to cancel. There are no dates or further steps for me. I called that number to cancel the consolidation and they have been telling me that I passed the deadline of XX/XX/XXXX. Since then I have been calling Netnet and stating that I want to pay off my XXXX loan and as far as my original loan through Nelnet, I want my original rate back, the 3.88 % that I have had since XX/XX/XXXX. Everyone is giving me a single answer of " we sent you a letter with a deadline ''. I do n't have a letter, not sure why, but did n't receive it. All I have from Nelnet is an email from XX/XX/XXXX that states I can call a number to cancel consolidation, but has not deadlines or any further instructions. Everyone is stating that I 'm stuck with a loan that is 1.62 % higher than I originally had. Who in the right mind would accept that? I have been mistreated, received rude and disrespectful responses. I spent over an hours in the evening of XX/XX/XXXX and over an hour on XX/XX/XXXX and have been working through social media with Nelnet and no one is hearing my case or concern. All I want is for someone to take the ownership and hear out my concern and get in contact with the right people in the company to activate back my old account and give me my old rate back. The process is really confusing and misleading. When I first applied it clearly stated that this does not mean the consolidation is completed. I wish I had taken a screenshot of that. I need someone to help me solve this mess.
I went to Experian website and tried to freeze my credit info approximately 4 weeks ago. I received an email back from them with a PIN number to be used to access my account online. The day after I froze my account I tried to access my account to verify that it was in fact frozen. I could not access my account, I kept getting messages that my email address or PIN was incorrect. I started calling the phone number listed on their website for help that day, and I have tried at least 8 different times at various times of the day and waited on hold each time anywhere between 35 minutes to 75 minutes. I WAS NEVER, EVER ABLE TO REACH ANYONE. The company obviously does not wish to assist consumers or they would employ more people to answer the phones. They have no email address to file complaints or to seek help listed on their website.. Their on line freeze program obviously has a design flaw as even when I enter my email and social security number I get an error message that they can not find me ... .. but yet they were able to charge me for supposedly freezing my account.
Why ca n't Congress and Federal Agencies such as yours hold these companies to standard business ethics?? Is everyone in D.C. controlled by the criminal LOBBYISTS??
I am very disappointed in the way these companies are allowed to operate. They should be held to a much higher standard in protecting our financial data. The recent Congressional hearings aired on TV were a complete joke and I 'm sure no true consumer protection will be forthcoming.
A VERY DISAPPOINTED TAXPAYER
Contractor performed an unauthorized debit/draw without my permission for {$2400.00}. Fraudulent claim was submitted to Chase Bank. Police report was made. Pictures of work unfinished were submitted. Copy of contract was emailed to Branch Manager. Initial payment of {$1100.00} was agreed to be paid by me. Contractor did not complete work as agreed per contract. Contractor debited my account for {$2400.00} additionally at a later date without my authorization. Chase Bank awarded Construction company the full {$2400.00} after their investigation. Was told by local law enforcement that this is a civil matter. Bank has no right to allow a charge on my debit card without my authorization. The construction company was only owed {$1100.00} if work was completed. Work was not completed as per the contract.