WillisBack/dataset-financial-user-claim huggingface dataset:
We are behind on our loan. I have called over 3 times to try to get payment assistance. Each time I was on hold over 18 minutes and one person had me on hold 37 minutes. After trying to get help I was sent an act 91 notice with over 500.00 in fees added to my mortgage. In the meantime I have spent over an hour on hold  trying to get help. Today I set an appointment with XXXX XXXX to discuss home modification. Appointment time XXXX. I waited 35 mins. She never called me. All while wells Fargo says they want to help people. Yet they don't even answer calls
I reached out to the  Leander to try to ge t a modification and was never able to get  one
I incurred a charge off account with  XXXX , it was turned over to collections to JeffCAPSYS.This account is showing on my credit report as being open, it was closed  in  XXXX .This company is adding interest in to this account, to increase the amount on my credit report to furth er damage my  credit score. T he beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.
I VISITED TITLEMAX IN XXXX GA IN XXXX 2015. I SPOKE WITH THE AGENT ON DUTY IN REF TO PAWNING MY CAR TITLE. HE PROVIDED ME THE DETAILS OF HAVING A TITLE LOAN AND SO I PROCEEDED WITH THE LOAN. I WAS TOLD THAT MY PAYMENTS WOULD BE {$300.00} PER MONTH AND THAT IT WOULD TAKE 12 MONTHS TO PAY OFF THE LOAN. THE AGENT SECURED ME FOR A {$2000.00} LOAN. A WEEK LATER I WENT IN AND ASKED FOR THE REMAINING BALANCE I COULD GET AND WAS PROVIDED THE FUNDS, TOTALING {$2500.00}. I WAS TOLD THE PAYMENTS WOULD BE THE SAME, THE PAYOUT TIME FRAME WOULD BE THE SAME, AND ALL WAS WELL. THREE MONTHS LATER I SPOKE TO THE AGENT AGAIN ABOUT THE LOAN AND HE ADVISED THAT AFTER I HAD PAID {$1200.00} I HAD NOT TAPPED INTO THE PRINCIPLE BALANCE. ANOTHER AGENT HAD OPENED MY ACCOUNT AND ACCIDENTLY ADVISED ME OF THE ACTUALITIES OF MY LOAN. I HAD ANOTHER PAYMENT OF {$300.00} AND AFTER THAT ONLY ABOUT {$27.00} WOULD BE APPLIED TO THE ACTUAL LOAN. THIS IS NOT WHAT I WAS TOLD IN THE BEGINNING. THE FIRST AGENT STATED THAT I WOULD PAY A TOTAL OF {$2500.00} PLUS AN ADDITIONAL {$700.00} FOR THE INTEREST, WHICH WOULD EQUAL {$3200.00}. THE FIRST AGENT ADVISED THAT I NEEDED TO PAY MORE TO GET INTO THE PRINCIPLE OF THE LOAN AND ONLY THEN WOULD I BE ABLE TO ACTUALLY START TO SEE SOME RELIEF. BUT MY PAYMENTS WERE GOING TO BE HIGHER ONCE I TAPPED INTO THE PRINCIPLE WHICH MEANT MY TIME TO PAY OFF WOULD BE LONGER AND THEN THERE WOULD BE MORE INTEREST ADDED. I ENDED UP FILING THE TITLE PAWN UNDER MY BANKRUPTCY AND FROM WHAT I WAS TOLD THE DEBT HAS BEEN SATISFIED. I HAVE NOT RECEIEVED MY CAR TITLE AND IT HAS BEEN OVER A YEAR.
I made a {$4.00} purchase on eBay and the seller requested payment via PayPal. I have had a PayPal account that was a direct pass-through to my XXXX XXXX XXXX XXXX card for XXXX+ years, but rarely used it. When I made the payment PayPal opened up an unrequested, unauthorized and unnecessary credit account, and also contacted XXXX and possibly other credit reporting companies on XXXX XXXX, 2015. This had negatively impacted my credit rating. 

PLEASE PUT A STOP TO SUCH CONDUCT, FOR THIS IS NOT THE FIRST TIME PAYPAL HAS ENGAGED IN THIS OR SIMILAR CONDUCT!
On XXXX XXXX, XXXX my CHXXXX bankruptcy was discharged. As part of that, I signed a modification agreement with CitiMortgage ( who holds my 2nd mortgage ) that set new terms and forgave all my late fees, etc ( the details of this agreement are in the attachment " BK Citi Home Equity Modification.pdf '' ). One of the costs listed in that agreement was attorney and appraisal fees that totaled {$1500.00}. I just needed to pay the {$500.00} per month until the new loan maturity on XXXX/XXXX/XXXX. I made the payments for about a year, and then CitiMortgage sent me a notification that I was delinquent in the loan and had to pay the outstanding balance immediately. They also began sending me mortgage balance statements that showed I was delinquent in paying {$10000.00} for attorneys fees. I assumed since I had signed the modification, that these fees did not apply. They have been sending me these for a couple years now and I noticed that they started adding {$25.00} each month to this delinquency fee. I can not afford to have a lawyer review all this, so I want to find out if I am required to pay the now {$11000.00} delinquency fee or of that was discharge as part of my banruptcy. Please see the attached mortgage statements and delinquency notices.
Experian allowed XXXX to open a credit card for me even though I have my account locked. I am not allowed to use it myself, not even for my social security information, so why would Experian allow a bank to open a card on my behalf. I never registered the card and did not want it. Now it 's on my credit reference as opened and then closed, which will reflect poorly on me. I am appalled that it was opened without my authority.
XXXX college sold a XXXX debt to XXXX collection 4 years ago. No have disputed this debt with both parties I did n't get a loan from the college withdraw from class within 24 hrs. I ask for proof cause I do n't know what this XXXX is for never received it. XXXX listed this debt XX/XX/XXXX now they have reagent his debt. As reported XX/XX/XXXX. Please will you investigate this debt I ca n't get anywhere and no one is letting me know why I owe them. I filed with credit bureaus and XXXX
Bank of America attempting to change terms of closed credit card. This is prohibited under CARD Act. I do not consent to an increase in late payment fee detailed in the XXXX 2016 notice.
Dear CFPB Team I owned a Bank of America Credit Card for almost 4 years and have used it often for my regular purchases. recently on XXXX of XX/XX/2018 I responded to an advert on XXXX from XXXX XXXX about about buy one get one lXXXX XXXX   for {$4.00} and I felt it was a good offer and went ahead to purchase it using direct link from XXXX. on the XXXX XXXX page I placed the order and received receipt for {$4.00} and an email stating that my order is through. but there was no mention of my end pair of leggings. I promptly sent email to XXXX XXXX on XXXX of XX/XX/2018 stating the bill is incorrect coz I placed order during offer. There was no response to that and I wasn't sure what to do. I hadn't received the product until XX/XX/2018 and on XXXX of XXXX I wrote to XXXX XXXX  that the leggings were not my size and I don't k what to do. again there was no response and by now I had numerous charges on my account from XXXX XXXX  and I tried to call them @ XXXX but there was no response and then I reached out to bank and requested them to block the merchant which they couldnt and then I asked them to cancel my card and ship me new one. which they did I had changed my credit card thrice and somehow XXXX XXXX got hold of my new credit card and kept charging me {$49.00} monthly and by now I had 5 transactions of {$4.00} and 3 transaction of {$49.00} totaling my bill to {$170.00} and they shipped me 3 leggings without my  consent. and there was no response to my emails or my calls I explained this whole thing to my banker and they raised complaints but kept closing them on me and also said the time has gone by when they could have acted upon and merchant claims that I enrolled in some VIP program ( Which I did not and their claims are base less and they have numerous complaints on XXXX from folks who had issue with the way XXXX XXXX  in doing business ). am attaching document which has more info about my claims and amounts charged by XXXX XXXX. I got another number of XXXX XXXX  from BOA and contacted them and they assured to refund me {$64.00} and I did not see that coming through. BOA says they can not do anything in this matter coz merchant delivered product, whereas I never authorized those transactions and I changed my credit card too. so this is unauthorized transaction and I should be getting refund of {$140.00} from BOA. Also out of frustration I closed my account altogether coz this is becoming never ending saga for me.
I had credit card accounts with Care Credit that were unjustly closed by the creditor. There reasonings were very inaccurate including a recent significant derogatory items. Since the account was closed I reviewed my credit files and there is no recent derogatory items.
Hello Sir/ Madam, I made an international money transfer of {$150.00} into my receivers bank account on XXXX/XXXX/XXXX via Western union. As of now money has not been deposited. 
I called them around 15 times, every time they say that transaction has completed successfully. Even though I provided them the proof of not getting it done successfully. ( receivers bank statement since they asked it ) Already tried to contact higher authorities, no answer from them as well. 

Please help Thanks
My complaint is with Green Tree. They are forcing an escrow on my loan after I was late with my property tax payment in XX/XX/XXXX. They say they sent me a letter requesting proof I paid the taxes. I never received any such letter last year. In XXXX, they paid my property taxes without asking and then sent me the bill in XX/XX/XXXX. I talked with their customer service and they asked me to send a request to remove the escrow. Then, XXXX XXXX who does their escrow 's for them made a request from our property tax, municipal utility and levy improvement district to return the taxes, saying they were paid in error. I have re-sent the same documentation to them XXXX times ( I have the fax receipts in my computer ) to rid myself of this unwanted escrow. I have called customer service again and again and for the most part they are helpful but have always asked me to send the documentation again to the same fax number as they " have n't received my documentation ''. Finally, in early XXXX ( the XXXX ), after I noted the escrow still had not been removed, I determined I had had enough of this. Back in XXXX when this started, I tried to just pay my regular payment, I was hounded by them to pay the remainder or they would report me as late, etc ... So, I sent them a message on their site in XXXX telling them they had XXXX days to get the escrow removed or I would seek assistance from the CFPB and the State of Texas. I reminded them of the $ XXXX judgment against them earlier this year and impressed upon them that I would be happy to be part of another judgment against them if they did not comply. I received a letter from them on XXXX saying they would contact me within XXXX days of the date of my email. They have until next Monday.
In XXXX of 2016 Honda Financial took out XXXX car payments for the same month charging my account twice, and causing me to over draft. I was on vacation XXXX, with no money, because of this I was forced to use my credit cards, and now I have to pay that back with interest. Honda later returned that extra payment, but now they claim that they deposited it twice. They have been hounding me for months saying I owe them a payment of {$390.00} I even sent XXXX faxes with my bank statements to prove this was not the case ( I had to pay for these faxes since I do n't own a fax ) they still insist I owe them the money. We also conferenced called my bank twice, and they confirmed that they never deposited XXXX amounts of {$390.00} Now this morning they emailed me telling me they were going to pursue other methods to get their money. My question is whose going to pay me my over draft fee 's, my credit cards that had to be used to come back home, the constant harassment, my time, the faxes? I am not a rich man which is why I bought a Honda and not a XXXX, {$390.00} is a lot for a person living pay check to pay check. I will never ever do business with Honda Financial. Thank You.
Equifax file # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX Last four of SSN:XXXX I have sent numerous letters and phone calls trying to remove 11 fraudulent inquiries from my account. This is my second dispute with Equifax this information on my report is not accurate and it is fraudulent. There have been an investigation done but did not provide me with any evidence that I approved my credit to be ran. These inaccuracies are hurting my credit profile and I want them removed. There credit inquiries I am disputing are : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
While checking my credit report, I noticed unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015, on XXXX.I did not authorize anyone employed by XXXX initiate an inquiry on my behalf.XXXX has seriously violated my privacy Act and FCRA Sction 16:1b ( c ) .I personally contacted XXXX to informally resolve this matter but they denied my request without any evidence allegedly that I made the applications on line.
I opened an American Express Gold Card late last year and was charged an annual fee of {$250.00}. I then accumulated XXXX membership rewards points. On XX/XX/2019, American Express wrongfully closed my account. They have refused to allow me to transfer my XXXX membership rewards points our of my membership rewards account. In addition, I had many more membership rewards points pending at the time of the wrongful closer or my account. Further, they have refused to refund my {$250.00} annual fee.
I believe that Citi is inappropriately not allowing people to sign up for automatic payments, in order to capture more late fees. I have called multiple times to Citi and have asked if they can switch that option on as every time I try to do this online, it wo n't allow me to. I 'm repeatedly told they are not able to do help me and I have asked to talk with a supervisor multiple times and not been transferred to anyone that can help me - either by switching this option on or by helping me through the technical issues when I 'm try to do online. I have tried from different internet browsers as well ( e.g. XXXX and XXXX ), and still does not work.
Bankruptcy on my credit report was not verified as required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). After providing them with numerous documentation, their response was the Bankruptcy was verified. On XX/XX/2018 I provided Equifax with a letter from the Bankruptcy Courts here in XXXX XXXX XXXX, FL. Stating they do not report to them. I also provide them with a copy of the XXXX XXXX freeze letter from them, explains the freeze on my account with them. Equifax has failed to verify or Vaildate this account on my credit report.
Beginning in mid-XX/XX/2018, I attempted to secure a student loan refinance from SoFi for approximately 58,000 dollars. I submitted all required paperwork, as did my cosigner ( my spouse who is on a XXXX XXXX through marriage ). After two weeks of hearing nothing from XXXX, I contacted them multiple times at the end of XXXX -- both on the phone and through their live chat -- to discuss what the hold up was. It was uncovered that they were having an issue contacting my future employer to verify my offer letter. On XX/XX/XXXX, I called them in person after spending a few hours of my own time to find additional contact information for my new company 's HR. I was told then that the application was complete and would finish processing in shortly. The next day, I got hit with an address verification request for documentation because we had just moved. XXXX stated that they would only accept a bank statement, but I had not received one with the new address because we had just moved a few days prior. Once I told them this, they decided that they were willing to a screenshot of my bank 's website showing the updated address. That same day, I logged in and noticed that XXXX had unilaterally updated my requested loan amount from ~58,000 to over 80,000, which I at no point requested them to do. It took two phone calls and three web-based live chats to get this problem solved. Then, this morning, XX/XX/XXXX, they requested an XXXX for my spouse, who was acting as my co-signer so that we could get a better interest rate. We have only been married for two years and have not yet been required by the USCIS to file the XXXX, as my spouse 's initial XXXX XXXX still has validity. Had SoFi told us in their application materials that we would need an XXXX, we would never have filed the application. Their omission of this during the initial stages of the application has led to considerable wasted time on my end and has dinged both of our credit reports with hard inquiries. Today, XX/XX/XXXX, I called into XXXX and spoke to a supervisor for the third time in two days about my application. They told me that if I could not furnish an XXXX they could not move forward with my application. At no point prior to this, not even in my various phone calls and web chats with them about this application did they mention this possibility or that they would need this document. Today, I talked to XXXX, one of XXXX 's supervisors. When it became clear that they were not willing to work with me on this issue, I notified her that I expected XXXX to immediately remove the hard inquiries from both mine and my co-signer 's credit reports and that I would be filing a CFPB complaint.
I contacted someone via XXXX on Tuesday, XX/XX/XXXX, who claimed to be selling two XXXX XXXX XXXX wristbands for {$120.00} each. Their phone number was on the posting so I texted this person. They told me they were out of state and I asked if they could mail one of the wristbands to me. They responded, " Yeah! I work for XXXX, I can just overnight it? Have it there like Wednesday or even tomorrow '' and I responded that was okay. I asked if XXXX was okay but they suggested Chase Quickpay after I responded that I have a Chase bank account. I checked Quickpay 's buyer They gave me his email to send the money. I asked for a picture of the wristbands with the packaging for verification and they sent me a photo of 2 wristbands on top of the XXXX packaging. I sent the money and since then have sent three additional texts and called them twice and of course have not heard back from the fraudulent seller. 

Today, Wednesday XX/XX/XXXX, I called Chase customer service to see if they would reverse my payment to the scammer. They told me there was nothing they could do since the payment was already labeled as " funded '' and that I should " ask the recipient to send my money back ''. Obviously this is impossible. Chase has been of no help and I can't believe they don't help their customers who have been the victim of a scam involving their company.
I have disputed this account many times with all  XXXX  credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports. Experian shows {$6500.00} and closed and   XXXX   shows {$6600.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. The account is with   XXXX   XXXX   XXXX   XXXX
I am submitting a complaint about bank of america, XXXX which i submitted earlier but the attachments did not attach and therefore the response from the bank of america attorney stated my claims were not factually sound and they are factually sound and the evidence proves they are. Therefore, I am resubmitting the complaint because the evidence was not attached the first time. Bank of america is responsible for the loss of my home due to a fraudulent foreclosure. They knowingly lied to the DAs and homeowners and knowingly gave defective and falsified documents to XXXX ( among others ) so they could foreclose on homeowners using mortgage notes that had falsified endorsements added to them XXXX, XXXX plus years after they should have been endorsed. This is a criminal attempt to better their record to create after the fact evidence to to falsely prove they, along w/XXXX ( nka XXXX ) are the holders of the notes and mortgages in an ongoing fraud upon homeowners. The attorney also provided a copy of a loan application. THat loan application is different than what bank of america gave to green tree, who mailed me a copy that was different. The XXXX green tree sent to me has an added bonus to salary, an added year to length of employment and has changed the reason for the loan to home improvement. That is not what was given to me at settlement, and the one they sent me should n't even exist as I did not give my permission or did I have any knowledge that someone changed it or of its existence. Bank of america also, through the use of an invalid, void assignment that names a bank that was out of business and taken over by the fdic at the time, and is robosigned, used that as another piece of fraudulent evidence against me which caused me to lose my home. SO they have falsified a security instrument by forging the homeowners name and adding falsified endorsements to falsely show they have to right to foreclose on homeowners that have been nothing but lied to by them. THe CFPB needs to step in and do something to make bank of america fully compensate those that have been injured by these criminals. I am attaching the copy of the note from XX/XX/XXXX that was submitted to the court by BOA attorneys and that note has NO ENDORSEMENTS whatsoever. Those endorsements would have been there in XX/XX/XXXX, yet they are not there in XX/XX/XXXX, they are not there in XX/XX/XXXX per a correspondence sent to me from Bank of america. I am also attaching the signature sheet of what is supposed to be the same exact note as in XX/XX/XXXX, but now there are " ta-da '' endorsements. They suddenly appear in XX/XX/XXXX, 8 years AFTER they would have been there if they were indeed genuine. The difference in the signature of XXXX XXXX is also notably different, proving that bank of america is involved in forging and altering of legal documents and then using those falsified documents as evidence to steal homes.
This company Midland is trying to keep a very old debt on my credit file for over 7 years. The DLA is over 7 years. A statement showing I owe a min payment XXXX for $ XXXX is not evidence when this account DLA is. No credit card has a min payment of XXXX. This is violating my rights. I want this removed as it is PAST THE STATUTE OF LIMITATIONS
US bank has not only breeched my security by giving someone the balance on my account and allowing them to make a small deposit to cover a check that was not suppose be cashed until I notified them on the deposit I made on the following Monday. They also allowed someone to stop payment and reverse the charges 11 days after the check cleared the bank. Now that person has the goods that I provided them through my business and the money.
Company name is Condor Capital who was put out of business due to " Illegal Practices Against Customers '' under section 1042 Federal Dodd-Frank Wall Street Reform and Consumer Protection Act against subprime lender XXXX owner of Condor Capital was shut down. This company continues to harass me and is unable to validate the debt they say I owe I sent them a letter and a copy of my drivers license and social security in error and now they are telling the bureaus I owe them the debt with this piece of information. I made a complaint with the BBB which I will attach and you will see their finding are in my favor as well. They are reporting information to all bureaus and I want this removed also not the FTC also on a file on them as well on how the company was shut down and no longer in business. There is another company who is the same company contacting me called Condor Capital Securitization calling me on behalf of this company and I sent them my drivers license and social security in error dumb on my part so now they are using this to say this is their proof of what I mailed to them asking for debt validation they they refuse to supply original signatures they are using the my information I mailed to them ( driver license and Social security ) to validate. I want to see original signatures of this debt.