WillisBack/dataset-financial-user-claim huggingface dataset:
I am a Widow who has asked for assistance, never received it and I am now being harassed by Citi Mortgage. I have a relevant case of extreme hardship due to the passing of my husband. Prior to his death I had never been late ever with my mortgage or had any problems. With my husband now gone my finances have changed drastically. I have been asking for assistance from Citi Bank/City Mortgage since 2012 but they have and continue to deny me help. I cooperated with them fully providing them with all the documents they asked for each month including my prior tax documents that showed our combined salaries and what it had become after his death, I also provided my paystubs and his death certificate. The loss of a spouse is not only the greatest grief but the loss of income is truly a great hardship. They played the usual game and waited 7 or 8 months to deny me. I asked again recently and I was denied again. I needed my loan modified to a smaller payment so that I could keep up the payments, I did n't have far to go to finish paying off the balance. Because Citi denied me help in order to keep up the payments, I used my savings to supplement my income. Now my savings is almost gone and there is nothing left to supplement. I am not behind, not even one month but now I am being harassed by Citi Mortgage each and every week. I have to pay them at the end of the month but I am not behind. I only owe them a total of {$9300.00}, my monthly payments are {$300.00} and would have been able to keep money in my savings to brace against an emergency had I received assistance from Citi Mortgage XXXX where I have a home equity loan would have worked with me. It is only though greed and calloused, mercilessness that institutions play with the lives of those who fallen on hard times. It is a shameful embarrassment the way they are coldblooded and cruel. The only thing I can do is to pay my bills as best I can and City will have to wait to get it until I have it to send. Each week they send me threating letters of foreclosure and modification forms which I will not fill out, I know from past experiences, they have no intentions of helping me with anything but out of my co-op if I ca n't pay rather than work with me towards a solution. I am being harassed. The mistreatment I 've received needs to be exposed and I 'm telling my story. Shame on them.
I received a notice that Debt Rec Sol for {$1300.00} opened on XX/XX/2018 and reported on XX/XX/2018. I have not opened any accounts for this amount and have no record of this company.
I opened XXXX XXXX credit card on XX/XX/XXXX and made a purchase on the same day in the store for which I made the payment same day. I was supposed to get a permanent credit card in my mailbox which I never got and I did not activate the card. I recently pulled my credit report to find delinquency on this credit card. I found that there were payments accumulating on my XXXX XXXX XXXX XXXX but, I never made any purchase with the card after XX/XX/XXXX. As per the company, there is a transaction of {$160.00} made through my card on XX/XX/XXXX. Due to no payments for this transaction, my credit score and credit report are being spoilt. But I never made this purchase as I never activated my card. I figured this recently and filed a complaint with the credit card company on XX/XX/XXXX, but they are taking too long to sort this out. I am unable to do anything without my credit score getting back to originally what it was.
Capitalone closed my account three times. The reason they provided is " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for commercial or small business purposes. '' " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for personal, family or household purposes. '' " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for personal, family or household purposes. '' I do not understand what that means. 
Why capital one approve credit cards and gives limit of XXXX I never crossed my limits. I paid all credit card on time.
I live in Florida, since we had XXXX XXXX I heard on TV that the banks will provide a relief to Owners in order to wave three monthly mortgage payment, I called Bank Of America who own my mortgage and they explained that I will to pay a lump sum on XXXX, the three monthly payments and the fourth Monthly ( XXXX ), I request help because I can not pay my next mortgage Payment and they provide only postpone the payments but immediately due at the fourth month, I request to the representative of Bank Of America to get in writing the terms of that relief and he refused to provide the terms in writing, he said, if you agree I can set up this temporary change, but I have to trust only verbally what he says is all about, I wonder if I can not pay the whole amount in XXXX what will be the consequence since no documents in writing are available. 
I think this bank is not really interested in provide in these hard times any kind of relief because what they offer is not really help to the people in needs right now, Please I beg your help in this matter to try to get the helping hand we really need, thanks so much.
I have been a long-term customer of my health provider and due to their inaccurate contact records, they never reached out to me in an attempt to correct their error. Instead my attempts to use my online account to no avail, prompted me to reach out to them. They have multiple telephone numbers that could have been used to resolve this issue, but not once had I received a call from them. My online access to my account was thwarted by their lack of contact and instead I was contacted at work by Nationwide Recovery Services and promptly settled the past due account for a total of {$100.00}. This lack of initiative on their part was devistating and left me with decreased credit score all because no one at XXXX XXXX could or would pick up the telephone.
On XX/XX/XXXX we secured aHome Equity Line of Credit in the amount of {$46000.00} from XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX, IN, XXXX no where on the Deed of Trust was there any mention of the interest I was to pay or the amount of number of payments that were to be paid. I paid on this loan every month from XX/XX/XXXX until XX/XX/XXXX. Thatnwas thelast payment I made bcause every month the amount on the statement never changed. After all of this time seeing that I was making no progress on the original loan amount owed, I just quit making payments. That was not the right thing to do but I had a feeling there was something wrong but I had no idea what to do. At some point shortly after, the loan was bought by ditech Financial LLC, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX. From the time I received this loan, every statement I received was for the same amount of {$46000.00}. Not once did the amount I paid was reflected on the statement. Even when ditech took it over. I made 48 months of $ XXXX@ 15.658 %. None of this was stated in the original loan papers that I have. What got me wondering is that I received a letter dated XX/XX/XXXX informing me that if I felt that this account has been collected unfairly that I should notify their complaint department. On around XX/XX/XXXX I received a billing statement dated XXXX XXXX stating my next payment due date was XX/XX/XXXX but I have not received anything else from them since. 
Today, XXXX XXXX I contacted ditech 's complaint department to discuss this with them. The agent I spoke with so rude and defensive. He told me that he would not send me any information about the original loan contract or the list of payments that I had made unless I agreed to pay off this loan in full.He toldme there were 1000 pages of documents concerning this loan.

I am enclosing the paper work that I do have regarding the loan and the 2 documents that I received in XX/XX/XXXX. 
I hope you can please help me find out if this was a fraudulant loan or at least get me the documents that I requested. And find out exactly what happened. 
Thank you
I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit report provided by XXXX  on XX/XX/2018 confirmation # XXXX, and credit reports from XXXX & Transunion dated XX/XX/2018, ( creditchecktotal ) the account, XXXX XXXX  is still being reported inaccurately . How can you report that the item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, nor is there an account balance being reported according to XXXX confirmation # XXXX. According to report dated XXXX2018, XXXX is reporting me with a " XXXX '' balance on XXXX XXXX, '' however, Transunion & XXXX are reporting me with a {$230000.00} balance. If the CRA 's have properly investigated the accuracy of this account then why are all 3 credit bureaus reporting all different payment histories, different balances if they actually verified the accuracy of the account as requested multiple times? 
The CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore delete this account.
My wife and I has a balance left over on our auto loan with GM Financial at the end of our contract. We resolved the balance with their attorney : XXXX XXXX XXXX, but GM Financial refuses to update our account properly at XXXX, XXXX, and XXXX XXXX. I am attaching a copy of the letters from their attorney, which states we resolved the debt. We just don't understand why GM Financial continues to tell the credit bureaus we owe them money.
I went to a civilian hospital ( XXXX XXXX XXXX Hospital ) in XXXX, OK and had to go to the hospital. XXXX at XXXX XXXX Hospital ( XXXX XXXX, OK ) ) took care of my bill but the XXXX XXXX XXXX Hospital attempting charge me fraudulent charges. Their false claim has negatively affected my credit score and I respectfully request that this incorrect information be promptly removed from my credit score. Thank you.
Originally, XXXX XXXX placed a collections account on my credit report in the amount of {$780.00} that I have no recollection of and that I believe is not mine. I have a current credit card with capital XXXX and it is in good standing. I asked XXXX XXXX to validate the debt and just as it reached its 60 day mark to validate, XXXX XXXX sold the debt to XXXX XXXX XXXX and now they own the debt and placed it back on my credit report. I have sent numerous letters asking them to validate the debt and have received no response. I have also sent letter to the credit bureaus and they report that XXXX XXXX have electronically validated the debt but they can not send that information to me. I believe this is not mine and I have a right as a consumer for any debts placed on my credit report to be validated with documentation that is not a bill. This type of reporting is illegal and violates my rights!
A credit of {$1000.00} was made to my bank account by Castlepayday. I did not apply for any loan. I contacted the bank & they instructed me to call Castlepayday which I did. They verified all the information, told me a debit would occur on XXXX/XXXX/15. Today the bank called and Castlepayday debited XXXX. I again contacted them and was told the additional XXXX was interest amount on the XXXX loan. They again verified the transaction and I was told that the XXXX would be reversed along with a XXXX fee because their action caused an overdraft at the bank. I was told the first action occurred because of an error in typing the account number by one of their employees. But to then make a XXXX mistake is unacceptable.
I have has this over a year almost 2, I can not get into there site for exact dates, because every time I try to access it there site refuses to let me in. 
the issue is that I was promised and guaranteed a loan for a XXXX smart tv, when a new store opened in my area, I was told that the price would be {$1400.00} interest free @ a payment of {$49.00} per month. THAT never happened. XXXX XXXX @ check out they had added over {$900.00} in add ons like protection service, warranty service and insurance incase of theft. I dealt with them for 7 hours to get most removed except the thief DESPITE the fact that I showed proof of renters insurance.. 
when it finally go time to go they had jacked up the payment 's to {$85.00} per month only 12 months free interest. There excuse was that credit declined the prop rate. despite me having a letter I hand that guaranteed ME the TV of $ XXXXXXXXXXXX per month. I should have left but I was without a tv. Being XXXX from a XXXX the wore me down and I think took advantage of me. 

the last time I was able to get into there system I had already made payment 's of between XXXX to XXXX dollars, YET they are showing that I still own over {$1600.00}. 

the bill is due on the XXXX of month and not late until the XXXX, is which when I always make my payment 's. YET they are showing on all 3 credit files that I have payed the bill several months late 3 or 4. I have sent then e mail after e mail about this, I have threatened several time to report them to you, the comptroller of the currency the state consumers protection agency 's. THEY last reply WAS GO AHEAD they ALL will side with US as YOU are wrong and we are CORRECT we dont make mistakes. 

SO what do I do now??? I can not get into there system Again so I can not pay my XXXX dollar payment. Last month it took over XXXX XXXX mails to them to get access, I re set the account wrote down all the access inform AND once again I can not get in the account. They do this so that they can XXXX and pillage customers. 

I need help with this, matter They need to be forced to honor there store opening promotion and guarantee. 

they need to be forced to remove all negative information form the credit files as there madness has causes 3 or my credit cards to cut y limits by XXXX 's of dollars my credit score had decreased between 30 to 45 points. 

I live on {$1100.00} per month ssd from a level XXXX XXXX. my rent is {$540.00} add utilities etc I have to decide to eat or freeze. 

There name Conns fits them quite well as they are conn XXXX. I have founds XXXX 's oc complaints about them doing this in every market they have stores in. 

I truly believe that the XXXX XXXX store on XXXX XXXX XXXX took major advantage of me one they figured out that I was XXXX and a us XXXX vet. 

the account number is XXXX there address is conns p.o box XXXX XXXX  texas XXXX my name is XXXX o XXXX my address is XXXX XXXX p.o. box XXXX XXXX XXXX XXXXXXXX
Someone stole my personal information and identity. I am a victim of identity theft. The following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
The Equifax company has information that my accounts were included in a bankruptcy, but they refuse to take it off or have the creditors put that information in. Also, Equifax keep hanging up on me and wont listen to what I have to say.
XXXX XX/XX/XXXX, XXXX pop up and asked me to apply fo an XXXX credit card, an due to my purchase I could have saved XXXX. I do shop XXXX frequently. So I applied, and within seconds the response replied that I was denied for credit, because the card holder was Chase Bank. 

This is the second time this happened to me, this happened last summer with the XXXX rewards to receive XXXX travel points. I was denied because the cardholder was Chase Bank I pay all my bills on time. I do not have bill collectors calling me. I have a good credit score, there is no reason that I should have been denied. Other than a person vendetta. 

I had/ and still have a mortgage/ life insurance policy with Chase Bank in which they refused to pay. So any card I apply for in which Chase Bank hold, the refuse to give to me. 

Which in fact Chase owes me the face value of mortgage policy in the amount XXXX policy in which they sold and collected as auto pay and are continue to collect as an auto pay monthly, they have done this to not only me but to several customers during the year of XXXX to XXXX. Chase Bank claims they have done nothing wrong, but actual they have, sold the phone listing to the parties to contact the individuals, and all the transactions happened within the chase account and forwarded every four weeks to the insurance. This places the bank Chase hands on right in the middle of the process, known as the middle man. We as consumers should be protected by these banks, and now the bank is denying my credit for there errors. These accounts should be removed from Chase Bank. A service contract of XXXX is still owed to me from Chase I only received a partial payment of XXXX. When I called Chase I was informed by Chase they did not have my money, low and behold I received a check for XXXX, still waiting XXXX balance. I sent letters and have had no response ... Someone should notify The XXXX account, XXXX. And tell the my story. This my be something I should do if the does not get rectified.this is why Chase refuses me.
Bank of America mortgage has recently disabled their option to allow extra principal payments to pay our loan down. It used to be on their full website online as an option but they just decided to get rid of it. I was shocked to hear that the only option to make extra principal payments is to go drive to a bank or mail it in. We are unable to even try to do this by phone as BOFA will charge you. After contacting executive complaints Dept even they are aware how ridiculous this is. In today 's technology and especially when this was an option before how in the world can they think they can get away with this?? Driving to a bank or mailing it in is not only inconvenient, time consuming and costs us consumers interest and money not to be able to pay off our loan. It 's clear they are trying some deceptive option to make it difficult for us to pay off our mortgage quicker. I hope this gets around and something gets resolved or fixed. I 'm sure it will affect millions of customers.
I contacted TransUnion to explain to them that I had not authorized these inquiries and I was a victim of their inquire glitch. I requested them to remove the negative inquiries and spoke with XXXX at TransUnion and she would not help and take care of the negative inquires that are reporting on my credit report. 
I asked them to remove the following negative inquiries ... .. 

XXXX XXXXXXXX inq. ( finance ) from XX/XX/XXXX consumer in. ( XXXX XXXX ) XX/XX/XXXXXXXX XXXX/XXXX/XXXX ( department & stores ) XX/XX/XXXX XXXX/XXXX/XXXX ( department & stores ) XX/XX/XXXX XXXX ( MISC. ) XX/XX/XXXX XXXX ( automotive ) XX/XX/XXXX XXXX XXXX ( automobile ) XX/XX/XXXX XXXX ( finance ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX ( MISC ) XX/XX/XXXX XXXX XXXX. ( BANK ) XX/XX/XXXX XXXX XXXX. ( Finance ) XX/XX/XXXX XXXX XXXX ( automotive ) XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX ( finance ) XX/XX/XXXX andXX/XX/XXXX and XX/XX/XXXX XXXX ( bank ) XX/XX/XXXX XXXX ( national credit card airlines ) XX/XX/XXXX XXXX XXXX ( finance ) XX/XX/XXXX XXXX XXXX ( finance ) XX/XX/XXXX and XX/XX/XXXX XXXX ( finance ) XX/XX/XXXX I called Transunion and spoke with XXXX to get help with the removal of the negative inquires and I did not receive any help at all and I have called prior asking about removal and still no help. 

My name is XXXX XXXX and ss # XXXX birthdate XX/XX/XXXX I can be contacted at XXXX or XXXX
I received a {$500.00} loan from Kickstand Lending that was deposited into my checking account. I called my bank and them right away. They agreed to remove the {$500.00} from my account and stated they would remove the fraudulent inquires on my credit reports. All but XXXX has removed the inquiries. This is very degrading on my report! I have no reason to ask for a payday loan and do not want that reporting as it is fraud. I filed a few complaints with XXXX about this and they have yet to remove it. I have great credit and charge and pay my bills. I do not want my creditors thinking that I 'm asking for a cash loan of any kind. 
Can you please help me with this? I would really like it removed completely from my XXXX report. You can check to make sure it is fraud. I greatly appreciate all of your help in the past and in the future. You 're doing a great justice for many! 
I can also supply my bank statement with this deposit if necessary. 
Thank you. 
Regards, XXXX
HERE IS EMAIL SENT TO SETERUS CEO XXXX ; XXXX XXXX -I have tried for the last six weeks to pay off my mortgage but keep having checks sent back to me and wrong amounts and a XXXX XXXX XXXX telling me to call whomever y=the XXXX I want to call? 

I have had a Equity Accelerator program and did not know that the last payment had to be made in certified funds as I am not XXXX and would appreciate a courtesy call before I take legal action and write about this in over twenty publications across the country? 

Your company has returned two checks from XXXX XXXX and have messed up my credit and charged late fees which I believe should not be charged as I have tried to resolve this for the past six weeks??? 

My cell is XXXX and would appreciate a courtesy call? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
AMCOL SYSTEMS continued to report a collection account on my credit when the debt was paid in full XX/XX/XXXX. I've attempted disputing this account twice with all bureaus in addition with them directly and AMCOL Systems continues to report it as a collection account which has prevented my credit score from improving and is negatively impacting my ability to develop future credit worthiness. 

Amount of Debt originally owed XXXX Amount and date of last payment XXXX XX/XX/XXXX Last reported collection on credit XX/XX/XXXX and is still present today Today 's date XX/XX/XXXX AMCOL SYSTEMS XXXX XXXX XXXX XXXX, SC XXXX XXXX
Company contunes to keep calling stating I am being investigated they contune to call several of my family members muitlable times, even after they told them to stop.They have called my employer stating that I am being unvestigated and if I do not return there calls they will send the police. I have contacted the company and asked them to stop calling. This debt is from XXXX. They threaten to put leans on my automobile and ruine my credit. I asked for the company mailing address and they rufused I asked the name of the company and they stated it was XXXX. I do not know if this correct.
I have credit cards with CitiCard and XXXX XXXX XXXX. I mail in payments a week before the due date but they are posted the day after the due date and late fees are charged. When the companies are contacted, I 'm told " we do n't have control over the Postal Service ''.