WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage was with  XXXX  they started legal action against us and we were making or mortgage payments. This started in  XXXX . I entered into an agreement with  XXXX   XXXX   XXXX . I was worried about going into foreclosure so I made an agreement of a {$3500.00} down payment and pa id 3X  {$1400.00} for each month for 3 months. We never received the final documents that were promised to us by  XXXX .   Still very worried I was referred to Attorney  XXXX   XXXX   XXXX , he charged me a professional fee of {$5000.00}. when I first went to his office. I had to give him {$2500.00}.   {$750.00}  XXXX   XXXX ,  XXXX , {$750.00}  XXXX   XXXX ,  XXXX , {$500.00}  XXXX   XXXX ,  XXXX , {$500.00}  XXXX   XXXX ,  XXXX  this was for basic services plus {$500.00}  XXXX / XXXX / XXXX  to his secretary.     I later found that he had not submitted any documents to  XXXX  on my behalf.   Then I was transferred to  SLS Loan  servicing and it has been one problem after the other. And now a foreclosure sale for  XXXX   XXXX ,  XXXX . SLS does not want to help me in any way.
I got a loan in XXXX 2011 from Stafford loan for my XXXX at XXXX University. I recently found out I was involved in predatory lending on this {$8500.00} loan. The lender actually took the 6.8 % that I was anticipating, but also took another loan out for {$0.00} at 6.8 %, so I was paying 13.8 % on that loan. I consolidated it last week so it would n't happen anymore, but wanted to find out what I could do to get the extra money I paid in interest back from 2011.
SYNCB/JCP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/JCP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/JCP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I recevied a notification in the mail on XX/XX/XXXX that the limit on my XXXX XXXX XXXX through XXXX XXXX card had been lowered by {$1100.00} from {$3000.00} to {$1900.00}. This left an available amount of {$61.00}. 
The letter stated that there were several factors involved in the decision. They were : - Length of time credit accounts were open ( I have had positive credit for over 20 years ) - Number of delinquencies ( one over 7 years ago in the amount of {$24.00} ) - Proportion of balances to credit limits ( I recently had to purchase a new AC Unit and used some funds on another credit card ) - Proportion of loan balances to loan limits too high ( The last non-revolving loan I opened was a mortgage with $ XXXX in equity ). 
I have a XXXX credit score and make a very sufficient income to cover all of my obligations. I have not had a delinquency aside from a 30 late payment over 7 years ago. The most frustrating and concerning issue is that I received notification from my credit monitoring service that due to the very minimal available balance on this card, my credit score was negatively affected by XXXX XXXX lowering my limit. 
Aside from a XXXX XXXX card that was needed for an emergency vet visit, I have not opened any new accounts in over 2 years ( the last being my mortgage in XX/XX/XXXX ). 
I contacted Customer Service who informed me that I was welcome to apply for an increase. Of course, this would affect my credit. I am not in need of the funds on this card. I do, however ; take great concern with this bank effectively lowering my credit score without any negative actions on my behalf. I wish for my credit limit to be restored. I will no longer use this card and will pay off the balance as soon as possible.
*THIS IS A XXXX REQUEST FOR THIS INFORMATION**DO NOT REDIRECT THIS REQUEST TO WELLS FARGO AS THEY INSTRUCTED US THAT ONLY XXXX XXXX CORPORATE TRUST DEPARTMENT WOULD HAVE THE INFORMATION WE ARE REQUESTING. 
XXXX CORPORATE TRUST DEPARTMENT HAS PROVIDED US WITH THIS INFORMATION PREVIOUSLY VIA EMAILS AND DOCUMENT VIA REGULAR MAIL. 

WE SIMPLY WANT XXXX XXXX XXXX XXXX DEPARTMENT TO CONFIRM THAT OUR MORTGAGE ( XXXX / XXXX - XXXX XXXX XXXX, XXXX NECK, NJ XXXX ) WAS REPURCHASED IN XXXX OF 2009 BY WELLS FARGO FROM XXXX XXXX XXXX A CUSIP - XXXX. WE HAVE OBTAINED THIS REPURCHASE INFORMATION DIRECTLY FROM THE XXXX CORPORATE TRUST DEPARTMENT VIA EMAIL AND REGULAR MAIL AND WANT IT CONFIRMED HERE IN ORDER TO FOREGO SUBPOENA.
P.N.C Bank has repeatedly treated me UNFAIRLY ( 12 USC 5531C ( 1 ) ( A ) ) and violated Real Estate Settlement Procedures Act ( RESPA ) ( 1024.41 ( b ) ( 1 ) by not providing me any modification options for my mortgage loan and now I am on the brink of losing my home. I have sent modification paperwork several times ( 3 total ) to the loss mitigation Department in the past ( 6 ) months and only to be told that they need more paperwork. The most recent time I sent the paperwork ( full loss mitigation application ), I got a response on XX/XX/2018, stating that I did not send the requested documents, but was rather told, that they have not received the requested documents.

PNC Bank has given me multiple Single Point of Contacts ( SPOCs ), and they all seem to be inadequately trained to handle or provide any loss mitigation options to me, but rather P.N.C Bank has threatened me with foreclosure proceeding ( s ) and stated they will report negatively to the Credit Bureaus. The SPOCs misplaced my paperwork and have not picked up my phone call ( s ) or returned them on time. P.N.C Bank misplaced my paperwork several times and stated they have not received it ( see attachments ). These tactics are abusive towards me and other consumer ( s ) and P.N.C needs to be held accountable for violating Consumer Protection Law ( s ) because I am losing my house because of PNC Unfair, Deceptive and Abusive tactics.
EQUIFAX has verified XXXX collection accounts ; the accounts XXXX XXXX AND XXXX XXXX are a duplication on the credit report ... .even though the collection is a difference of 12 dollars..they have XXXX collection accounts for a XXXX service of XXXX, the original creditor .PLEASE DELETE XXXX ACCOUNTS
I signed up for a Barclay Luxury Gold card in XX/XX/2016. As an XXXX member of the armed forces, they were offering XXXX bonus points, plus XXXX benefits to include a 0 % APR and no annual fee, and were clear that this would remain in effect as long as I was on XXXX XXXX. One year later, they have changed their terms and are going to charge a {$990.00} annual fee, despite the promise not to do so for the length of my service. Barclay 's specifically targeted XXXX Military with XXXX benefits above and beyond what was required, and once enrolled, are revoking the benefits to charge a large annual fee. Now I must either pay {$990.00} for the card, or pay off the balance and close the card, negatively impacting my credit score. I, like many others, would not have applied for the card if the annual fee was to be charged.
I have asked for validation and verification on several occasions and these people have not been able to validate and verify pursuant to XXXX, and XXXX. This DEBT COLLECTOR XXXX XXXX XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX XXXX XXXX, has sent me a notice of lawsuit filed, but since this is a communication from a DEBT COLLECTOR they would have to take the consumer to a UNITED STATES XXXX XXXX to be in a competent jurisdiction to say that I owe them anything which they have not been able to show. These individuals have put entries into my personal credit reports and they have been disputed but they still show up as my account. I did not give them my private non-public information so I do not know how they obtained it. This is IDENTITY THEFT PURSUANT TO XXXX. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so, I have successfully disputed this DEBT and they still continue to harass me.This is another violation that these DEBT COLLECTORs have created. 
They have harmed my consumer natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. This has harmed my ability to secure private credit for personal, family, and household purposes not for XXXX. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX XXXX, this is aiding and abetting fraud on the Consumer who is a natural person.
I received a copy of my Transunion credit report back in XXXX. I noticed 7 account credit inquiries that I did not authorize. I immediately contacted Transunion by mail to dispute those inquiries and to have my information corrected. Transunion replied saying they would be staying on my report and fall off after 2 years. I proceeded to call them and was told to contact the companies that ran my credit. I did so and I was advised to contact Transunion for removal. I called transunion again this week on Tuesday XX/XX/XXXX and was told I had to contact the companies and that they dont dispute inquiries. I was ignored and then told that the specific overseas agent I spoke to was limited on what he could do. I asked to speak to a supervisor and was transfered to a US agent who stated was a supervisor and that I would just have to wait the two year period for them to fall off. I again told him that I had never authorized those inquiries to which he replied there was nothing he could do and disconnected the call. I proceeded to contact XXXX XXXX the CEO at Transunion by email, informing him that his agents were refusing to submit a dispute or even attempt to help me get this information corrected on Tuesday XX/XX/XXXX, and as of today have not received a response. I have researched and tried different ways to get this corrected and as of today have yet to make any progress. It is disheartening that these credit reporting agencies dictate what they want to report and we as consumers are not able to do a thing about it.
XXXX XXXX XXXX ACCOUNT NUMBER ENDING IN XXXX XXXX DATE OPENED ON XX/XX/2014, IS REPORTING ONE LATE 30 DAY ON MY CREDIT REPORT THIS IS AN ABSOLUTE INACCURATE INFORMATION, PLEASE HAVE ALL THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THIS LATE. 
I HAVE THE LETTER ATTACHED ( APPROVAL LETTER ) FROM XXXX XXXX XXXX, TO SOLVE THE PROBLEM BUT THE REPORTING AGENCIES SUCH AS EQUIFAX AND XXXX ARE NOT COOPERATING PLEASE SOLVE MY PROBLEM THANK YOU
I opened a bank account with Wells Fargo in XX/XX/XXXX. I believe the account could have been overdrawn i called to speak with an associate at the banking institution sometime around XX/XX/XXXX. Once on the line with the associate was told i was denied for a student loan as i did receive a letter stating this as well. I never applied to receive a student loan i was not a student i was working not attending school. This incident raised red flags i asked to speak with the Manager and wasnt able to i went into the bank i opened the account with to speak with the Manager i spoke with another associate who explained the debt was in fact mine because the account was overdrawn i didnt not receive notice. I let the situation go for a while due to other obligations i found out a Credit Card was opened in my name per my Credit Report without authorization from me. The account was closed XX/XX/XXXX with a {$600.00} spending limit it also shows out of the {$600.00} limit {$330.00} was used towards debt collection. I am currently involved in a class action law suit with XXXX against Wells Fargo for fraudulently opening credit accounts without consent or approval of their customers. The debt is still showing on all 3 credit bureaus and have been on my credit for 6 years and 8 months i need this debt removed and this issue resolved.
My problem is with BBVA Compass. My XXXX mortgage is with XXXX and my XXXX is with BBVA Compass. I have struggled for years to keep my home after my divorce and received no financial help from my former husband. I have had to rent out the house to keep it afloat. I can no longer find tenants to pay the amount necessary and need to sell the house. It has been on the market for 2 years and we finally have a buyer. This will unfortunately have to be a short sale as our market has not come back to previous values. We repeatedly asked BBVA to let us know what would they take to satisfy their loan and they repeatedly said to " Bring them an offer and they wo n't stand in the way of the sale ''. This is on many of the taped recordings with myself and XXXX XXXX at BBVA. 
XXXX has accepted the terms but BBVA will not accept the terms. XXXX can only give BBVA {$12000.00} under the HAFA program. I have offered an additional {$8000.00} and the agent has offered an additional {$2000.00}. That is {$22000.00} to BBVA. Now BBVA is saying that they want {$50000.00}. They did not take TARP money so they do n't have to follow any government rules. This sale was supposed to close on XXXX XXXX, 2015 and all involved are waiting for BBVA to accept and XXXX is closing the file. The worse possible scenario is to lose this buyer and the house go into foreclosure. Please help!
I buy a vehicle on XX/XX/2018, I payed on time my first payment but on XXXX was difficult for me make a payment, my mam has a XXXX I use the money for emergency. 

After having spoken 3 times with different people about my situation, I am receiving calls from particular numbers of Colorado demanding payment, these people have my personal information such as my name, phone, address, social security number but I have noticed that they are in Colorado and the calls do not come from California where the company is, ask why you call me after having explained my problem with 3 different people, the answer was that it is the system and they can not avoid it. It is a very strong psychological pressure to receive 3 to 5 calls every day. So far I have a phone list of people who call me around 45 calls from different Colorado phones. I worry because what happens to my privacy has been violated, I do not know these people to receive collection calls but after answering they identify that they work for Westlake Financial Services. I am responsible and I will cover the 2 payments XXXX and XXXX, but it is incredible that the day of XXXX XXXX they called me 4 times. The most anguishing thing for me is how easily this company shares the information without my authorization, they have not received anything in writing from my authorized share my privacy. I send documents of the contract for its revision. 
Thank you If you need I have a list the all phone call numbers, please let me know.
XX/XX/XXXX ( {$270.00} ) ( {$99.00} ) ( {$100.00} ), XX/XX/XXXX ( {$350.00} ) XX/XX/XXXX ( {$1500.00} ) HIPPA Violation : XXXX XXXX XXXX did not provide me with the provider of services to release any of my medical information regarding alleged debt as well as cease any credit bureau reporting. This entry 's insertion on my credit reports is a blatant HIPPA violation and a violation of my consumer rights. These entries must be deleted from my credit reports immediately with XXXX, XXXX and XXXX.
I have disputed 10 hard stops on my credit report from XXXX in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion and they have all been disputed as of XX/XX/2018 however they are still showing up on my credit report and I need them to be removed. These are not my fault, they are XXXX 's error and this have negatively impacted my credit score.
I filed a dispute with Experian about account number XXXX reported by the XXXX XXXX XXXXXXXX XXXX.in a amount of {$880.00}. I told Experian that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX
On Friday XX/XX/XXXX I was made aware of a security breach of Equifax systems and notified that my personal data had been compromised during the breach. This is a very concerning problem considering the struggles I have been through to repair my credit just to have it exposed by a company I trusted would have better security measures than to allow a breach of security that lasted for multiple months.
Please see the attached letter. 

I have been attempting to get information on MIP from Select Portfolio Servicing since XXXX XXXX. After two months of an " escalated '' issue, they finally opened a " dispute. '' The US Treasury has already taken my Federal Tax Return, and they're getting ready to garnish my wages. 

I needed the information two months ago, and I am getting the run around from Select Portfolio Servicing to get the required documentation to have prevented collection action from HUD. 

I have never disputed that there was an {$8000.00} " silent second '' mortgage that I would need to pay if I ever refinanced or purchased a new home. My dispute is that it is DUE NOW?? 

After receiving a demand letter from HUD, I hired an attorney. It was determined that it was related to the MIP insurance on my " silent second '' mortgage. 

I contacted HUD, and they just said to contact my lender, that they couldn't do anything to help me. My lender was supposedly waiting to hear back from FHA to add the insurance back on, per HUD. Then the government shutdown. They are still allegedly " waiting to hear back from FHA '' even now. 

After inquiring on whether I had met the requirements to drop MIP insurance in XX/XX/XXXX, Select Portfolio Servicing allowed me to do so in XX/XX/XXXX. I had met the requirements of being eligible to drop the {$86.00} per month premium I had paid for 6 years. I had paid down the mortgage on my home to 78 %. 

It was my understanding that SPS had requested and received approval by HUD and/or FHA to cancel the insurance. 

I have requested a copy of the document where HUD or FHA made this approval. I need a copy of my " servicing file '' and they said it needed to be in writing. I e-mailed them on XX/XX/XXXX. Today, she said it had to be MAILED!?!?!?!? WHO APPROVED MY INQUIRY AS TO WHETHER OR NOT I MET ALL THE REQUIREMENTS TO HAVE IT REMOVED?!?!?!?!? 

This is a time sensitive situation. I DO NOT HAVE TIME FOR THIS! Because they have drug their feet for two and a half months, my wages are about to be garnished. 

The resolution would be them sending an immediate digital file TODAY!
I have a medical bill in collections through Allied Business Services in XXXX, MI. I used their website to set up a payment plan for the amount for a 6-month period. When you do this, it asks you to select the date that you want the payments withdrawn from your bank account on a pop-up calendar. I chose the XX/XX/XXXX of the month. After doing that you hit the submit button and a confirmation schedule comes up on your screen for the split amount and the dates that it will be withdrawn from your account ( ex. X/XX/17,  X/XX/17, etc ). Instead of taking the money out of my account on the XX/XX/XXXX, they took it out of my account on the XX/XX/XXXX causing me to be overdrawn. I chose the XX/XX/XXXX of the month purposely because I get paid on the XX/XX/XXXX. When I called, they said that it 's probably my bank pulling the money on the XX/XX/XXXX and not the XX/XX/XXXX, which does n't even make sense. I requested to be transferred to another person and she refused to refund me the {$64.00} overdraft fee because she said there was no error, and I had authorized the system to take the money from my account. Their system is faulty and pulling the money when it should n't be, and I do n't think it 's right that they can do that when I authorized it to be withdrawn on the XX/XX/XXXX.  They owe me the {$64.00} for their error.