WillisBack/dataset-financial-user-claim huggingface dataset:
Started the refinance of home mortgage process with cash out option on XX/XX/2016. Necessary documents were submitted by XXXX. After initial review, got good faith estimate with loan amount and closing cost. Based on this estimate, a deposit of {$350.00} was made towards appraisal. Appraisal came with lesser amount by {$5000.00}. Agreed to reduce the loan amount to that extent. However, got a revised estimate which was less by {$30000.00} and with additional closing cost towards points etc. In between got numerous revised estimates with different loan amounts and closing cost. It took more than 2 months to reach any definite closing document. Hence, want to get back the deposit of {$350.00}.
1. The XXXX XXXX XXXX send me a letter dated XX/XX/XXXX, had been retainedby New Jersey Highet Education Student Assistance. Notice of opportunity to contact within 30 daysto dispute the debt and statement they are debt collector. The letter was never sand regular or certified. 
2. I respond on XX/XX/XXXX, In that letter I asked XXXX XXXX XXXX , XXXX. to validate the date. The letter stated to respond to a specific Notary Public, within 30 days. The leter was send by certified mail and received by XXXX XXXX XXXX, XXXX. on XX/XX/XXXX. 
3. I also pulled down my credit report and saw that this debt had been charget off. 
4.XXXX XXXX XXXX garnished pension of the co-signer, on the amount of {$2000.00} with out notifying me as primary creditor. ( This is a felony ). 
5. I was servet withlawsuit on XX/XX/XXXXXXXX XXXX XXXX XXXX regarding this maner.
I never requested to freeze or extra security to my credit reports. And this is not the first time, I want this arbitraire move to stop.
I have been working with the servicer of my second mortgage since XX/XX/2016. They have requested the same documents over and over. I have submitted everything that they asked for with no results. I am not trying to avoid paying the debt. I just want some relief as far as the interest rate ; 9.375
I paid my Mortgage on XX/XX/2016. The funds have been withdrawn from my back account. The mortgage company, DMI then sent on XXXX a statement that I owed then {$40.00} for an NSF fee. In addition, they reversed the payment as well. My bank maintains they have my payment and no NSF was ever indicated by them. I spoke to DMI team member, XXXX on XX/XX/XXXX, when I received the notice. I emailed my bank statement and she said this would be corrected that night. I still have not seen the correction online, nor does XXXX return my emails.
Dyck O'neal Inc has continued to report rolling XXXX+ lates on my credit report. We have had an agreement for a few years now on payment arrangement and I am paying on time every month and they continue to report this info every month.
XXXX XXXX is hard to dealt credit card. I called more than a couple times to help me out to have my interest review since i am a single a father and my payments are only going up and up. I 'd to see if XXXX can be more easy with work with and reduce my interest rate to something that i can afford. 

The debt credit act tell us that every consumer are on their to ask XXXX to have and respect consumer and prohibit predetory lending and credit card ABUSE to consumers. 


XXXX XXXX XXXX/XXXX/XXXX SS : XXXX Card : XXXX XXXX
In XXXX XXXX, I lost my job and had to go back to my country for 10 months due to severe family issues. During this period, I was unable to make monthly student loan payments. Consequently, my student loan debts ( XXXX private student loan companies ) went into collections. Every since I came back to the XXXX and got a job in XXXX XXXX, I have been diligently paying off the debts to the collection agencies ( XXXX different agencies ). First, I have been struggling with unreasonable student loan monthly payments ( i.e., approx. {$1500.00} per month which is 50 % of my monthly paycheck ). Since my student loan debts with the collection agencies, I am unclear about the amount of debts that I 've been paying to these collection agencies are actually the precious amount of debts that I owed. Second, my husband and I are planning to apply for a mortgage in the near future and it 's come to our attention that this has been negatively impacting our credit score in a significant way and it would most likely hurt our ability to qualify. I would really like to remove these negative accounts from my credit history.
The account below the company stated that I failed to pay. I have attached proof that I have made payments to the account as agreed to by the bank. I have been trying to work with bank to settle debt. 


XX/XX/XXXX XXXX {$27000.00} Installment Negative XX/XX/XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX
I want to complain about NORDSTROM I received a promotional email from NORDSTROM for a credit card application. Then I log in and apply. The results could not be approved, but I do not complain.

But I still receive credit card offers from the Nordstrom email app every day. I filled in the application again and the result was not approved again. I must complain and complain.

The fact that Nordstrom sent false e-mails to seduce me and cause my credit score to drop led to an additional investigation of my report and a negative impact on me. I was even more skeptical that my personal information was picked up by Nordstrom for other purposes.

XXXX XXXX XX/XX/2018 THANK YOU
Numerous requests t o PNC to stop sending credit card offers in the mail have failed. Was assured by PNC that I will  not receive offers to my address.
Yesterday afternoon, XXXX XXXX, 2016, a woman appeared at my condominium building. Stating that she is with Wells Fargo, she asked the community security guard, XXXX, to phone me. She wanted to meet with me. 

I was not available. XXXX sent me an email message indicating Wells Fargo had left an envelope for me at the building front dsk. 

In this complaint, am providing the Consumer Finance Bureau with acopy of the letter, and envelope left yesterday by the " mysterious and supposed '' Wells Fargo representative, as well information from a consumer complaint website which identifies this phone number as engaged in fraudulent activity. I refuse to contact the phone number. Security Guard XXXX said the woman gave her name, but FAILED to leave a business card. Wells Fargo is not referenced in the letter, nor is the Wells Fargo letterhead or company emblem displayed. Furthermore, a mailing address for written correspondence is not provided. 

Wells Fargo has denied my qualified written RESPA request, refusing to answer even one RESPA question. 

I demand that the foreclosure, scheduled for XXXX XXXX, be blocked. They refuse to disclose who owns my loan, as wells as other loan audit inquiries.
Signature load from back in XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX got behind XX/XX/XXXX / XX/XX/XXXX attempted to work out arrangement w/ XXXX - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountXXXX XXXX stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX, XXXX ( XXXX & XXXX ) for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. 
In XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with XXXX -- responded to them XX/XX/XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year this spring - they filed suit again me XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXXXXX has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past XXXX years -- he has made several attempts to get XXXX to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise
This business has called my job twice after I specifically asked them not to. 

These people also refuse to reveal who they are when they call. When they call they do not leave a message and just hang up. I am being harrased,
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. XXXX92.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per XXXXexas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
The credit reporting agency will not allow me to file an additional complaint. 
The creditor on my credit reports is reporting my car load status is repossession. It should state paid as agreed.
They called at night, I explained that because of my work schedule calling at XXXX was inappropriate. They said it was a business matter. I told them to call during business hours, because of my work schedule I am home during normal business hours. I asked them to document that I asked them to call during business hours, XXXX times. Then I sent a letter. Tonight I got a call and had to ask the caller their name XXXX times, they finally asked me why I need their name, I told them I want it for my records, I was told their name is XXXX. I explained AGAIN about business hours and the letter sent. They said they 'd get a supervisor. They put me on hold then came back and said their supervisor says they are allowed to call at XXXX but they can note the account to call at XXXX. I said, no, business hours. You said it 's a business matter, call during business matters, I was again ignored. They do n't care about when they call, and yes XXXX is cheating, you can call legally UNTIL XXXX and when I requested they not, more than once AND sent a letter, they still did n't heed any of it.
I currently have a mortgage loan through PennyMac and have been generally happy with their servicing up until. I refinanced in  XXXX   XXXX  to a lower rate after having the property tax rate for my house increase significantly. Everything seemed to be OK.     However, out of nowhere my monthly payment went from {$2000.00} to {$2200.00}. This is for my upcoming payment due on  XXXX   XXXX ,  XXXX .     When I checked with PennyMac they said that it was due to taxes and homeowners insurance increasing. However, I have not received any notification of change in my property tax rate for this year, nor any change in my homeowner 's insurance. Furthermore,  PennyMac  said that there was a shortage in my escrow of {$1000.00} that they needed to make up. I do not know how there is a shortage in the escrow, if they just went through a refinance with me a year ago. It makes no sense and I feel like they are taking advantage of me.     Finally, I just want to say that they were less than transparent about this change. While I commend them on their alerts that they use to send statements and notices that my mortgage is due, they provided ZERO notification about this change until I saw it on my monthly statement. After I asked about it, they added some form to my online system and said they would mail it ... but come on. If this was a legitimate increase, they would have known about it for some time and could have at least provided me with a little more notice and explanation about such an increase.     While {$140.00} per month may not be a lot to some people, for a middle class family of  XXXX , that is a considerable amount that impacts my family 's monthly budget.
I noticed recently, that I was getting products from E bay I did not order. Finally I find out, that it was account opened under my name for Bill me later Pay Pall. I never opened this account and never used it.
Chase Credit Card Company. 

My closing date for the period was XX/XX/2018. Payment of {$6600.00} was due XX/XX/2018. I had enrolled in online auto payment of full amount. On XX/XX/2018 I purchased something at XXXX XXXX for {$100.00} and returned it two days later. On XX/XX/2018 I received credit from XXXX XXXX for the full amount of {$100.00}. On XX/XX/2018 they deducted {$6500.00} from my checking account for the auto pay ( full amount minus a XXXX XXXX credit ). I had attempted to modify this payment so that it would deduct the full {$6600.00} that should have been deducted. Due to some technical errors they deducted both XXXX and {$6600.00} from my checking account ( the current month balance was approximately {$3000.00} therefore I was in the plus over {$3000.00} on the account ). 

If there are protections in place to force me to stay within my credit limit ( a hold is taken against my credit before the transaction posts ) then I believe there should be protections in place that prevent me from paying twice. They need to take a hold against any payments that would allow me to double pay my account and prevent me from paying twice or overpaying. It is ridiculous that they have a process in place to protect themselves from the consumer over using credit ( their detriment ) but nothing in place to protect the consumer from over paying ( their benefit ). 

I only asked them to change their practices to prevent future harm to consumers but I was scoffed at and belittled. Please, you are the only people who have the power to help me change this unfair practice by Chase Credit Card.
I responded to Discover credit card 's promotion offer XX/XX/XXXX. In particular, Discover offered 10 % rebate for purchase at XXXX XX/XX/XXXX. I made purchase at XXXX following the instruction at discover.com. However, Discover credit card did n't honor its program to give me the rebate it had promised. I have been chasing the money since. I contacted Discover credit card several times, initially, it told me that Discover offered 5 % rebate, not 10 %. I asked Discover to provide its document to show the 5 %, not 10 %. It has never provided any document. Then, it changed its position, told me that Discover credit card did not offer any promotion at XXXX. 
I field complaint against Discover credit card XX/XX/XXXX. Discover credit card responded with the complaint was not authorized user. It is total lie. The attached documents show that I do go by different names and Discover credit card is fully aware of my names. 

In summary, Discover credit card has unfair dealing and cheating me on the promotion.
When I lost my job in 2010 during the recession, I contacted Bank of America to see if they could work something out to lower my monthly payments. I did not want to risk not being able to make full payments and ruin my perfect credit due to the reduction in income. The representatives said there was nothing they could due because my account was current and they did not have any programs for which I was eligible. I continued to make timely payments for as long as I could, but one month I was n't going to be able to make a payment at all. I had worked on a project and was expecting a large sum of money but I did n't know exactly when the payment would come. I called to tell them but they gave the same response. After falling behind that month, they then advised me to apply for a modification. I applied for the modification and they said it would take about 30-60 days to complete the process. In the meantime, money from my project came in and I was able to pay myself current on the loan. I contacted BOA to tell them that I wanted to pay my loan current but they said that they could not accept a payment and that I should wait for the modification to go through. Then the robo calls started. The scenario consisted of an auto call, then a rep got on the line saying they were contacting me to see if i could make a payment. I would tell them that I could ; then they would transfer me to another department. That rep would then say they could not take a payment. This harassment went on for well over a year. They would call 5-6 times daily, pretending to be collecting a payment. When asked about the modification, they would say it was still pending. Yet, they started foreclosure proceedings event though the " modification '' was still pending. In desperation, I contacted an outside non profit. Through their assistance the foreclosure proceedings were stopped within 15 days of sale of my property. Then the modification finally came through, but the mortgage payments were even higher than they were initially. It was a complete nightmare. 
BOA sent me a check for {$500.00}. It said " settlement '', but there was no explanation nor admission of wrong doing included with the check. I was only recently made aware of the damage they have done to my credit with this situation. Then I did an internet search and ran across an article that reported what BOA had done to thousands of its customers in an attempt to force us into foreclosure by rejecting or delaying modifications. I did n't know about the lawsuit at the time or that they were doing this to thousands of customers. I just cashed the check and went on with my life. They were sued and sent us these measly settlement checks. Yet they have not cleared my credit and it is preventing me from moving forward with my life. I have contacted the reporting agencies and they say BOA responded that their reporting is accurate when in fact it is not.
So to start off i noticed a credit alert on my credit file telling me there has been a collection account added to my XXXXEquifax credit file in the amount of XXXX .The collection agency is XXXX   XXXX XXXX , I then reached out to the company and demanded to know why there is a collection account on my credit reports that does not belong to me.XXXX XXXX XXXX XXXX representative was very rude to me as well not helpful at all, i then request all information on the account as well as the signed physical contract with my signature on it, the representative ( XXXX ) then hangs the phone up on me, I try to call back know the number doesent work.while researching this company that goes by many names and several other consumers have the same problems with the same company/collection agency.I have never received any notices from this company or did any kind of buissness with XXXX , I received calls at my job as well as my home late hours of the night, witch is clear violation FDCPA.This account is has no payment history, as well incomplete/missing information.XXXX/Equifax is reporting erroneous information to my credit file.Same thing here with another collection account XXXX XXXX in the amount of XXXX reported by Equifax also no payment history/incomplete/or missing info.This is in violation of the FCRA Section 609 as well Section 611 of the FCRA.I ve been givin the run around by all parties and know I have consulted an a attorney to help me threw my next steps
My wife died on XXXX XXXX 2016. Soon after this various checks and debit transactions began hitting my account and they were not incurred by myself. During this period my dead wife 's XXXX card and some checks were taken without my knowledge. During this period I was under a tremendous amount of stress and did not catch them at first. When my eldest son ( he has POA over me ) brought them to my attention I contacted the bank IMMEDIATELY! Then my bank ( formerly Metro Bank ) First National Bank of PA I received somewhat of a run around about POA papers for my son and that by the time they looked at my account ( seemed to be a lot of foot dragging ) that more than 60 days had passed and that they were no longer responsible for the bad charges and while police were notified about the thefts from my account the bank stuck to their 60 day claim and I have yet to see picture XXXX of any of the transactions that were committed including ( XXXX ) XXXX checks in approximately 2 weeks. I was returned {$1100.00} but I feel this is totally inadequate and I want the guilty people prosecuted
I have contacted Equifax Credit Agency for over 2 years with same problem I have provided documents to Equifax. They have my died father information on my credit report like his 4 credit cards and also his name listed on my credit report I have told them to remove his name off my credit report plus they have several address that are wrong on my credit report
I have been working with a representative at my mortgage company to try and get a loan modification, I was sent paperwork and was told to send it back via fax, email or USPS. I was also told when the paperwork was received there would be a halt on the foreclosure until everything was reviewed. I spoke to the representative on XX/XX/XXXX and went over everything to make sure the paperwork was correct. I faxed the packet they sent along with my bank statements and pay stubs on XX/XX/XXXX, I have the confirmation page showing all 29 pages went through successfully. The paperwork was faxed to the number provided in the packet I received from them, that same fax number is on all of my mortgage statements. I called back within 5 business days as instructed and was then told that was not the correct number to fax. I didn't understand how it could be an incorrect number because it was the one listed on the packet. She said it may have been an old packet, however it says it was just revised on XX/XX/2018. I was then told to send the paperwork again via overnight certified mail. I am already in a financial bond, I sent the paperwork to the number provided by Summit Funding and paid {$34.00} to do it the first time. I feel like I am getting the run around and if this process isn't started soon I may lose my home.
XXXX University ONLINE was closed and all previous campuses are now XXXX. I continuously try to reach out to customer service, can never reach them AND I can never log into my account. I receive notice that my password is incorrect. I request temporary ones and those to, hinder me from accessing. During my time with XXXX, I had an advisor XXXX XXXX - I do believe was his name - He assisted me and then was no longer professional.