WillisBack/dataset-financial-user-claim huggingface dataset:
I had a few private loans with Chase for school, at the University XXXX. It was at a time when I was between the ages of XXXX and XXXX, approximately. I am now XXXX. Not only was I able to obtain these loans without a cosigner, but multiple loans. As a college student with no financial aid or help from family that was a huge deal. I always made payments and was never late. I did however lose my job and get married and leave the country. After being on a series of payments plans, I called the woman who I had been making payments through to let her know of my situation and as if there was a way to put payments on hold or to make smaller payments until I got on my feet. I was being proactive, and responsible. But the woman was cold ( as I would expect, ) and basically gave me XXXX option : to pay off thelarge lump sum or that further legal action would be taken on their end. This Scared me more than anything. What could they do? What would they do to me? I do n't want debt hanging over me, its the worst feeling in the world. Eventually I found out that all the debt was written off and my credit reports took a huge slam. Now I am trying to figure out how to build my credit back up and get those settlements off my reports as well.
Based on a previous complaint I filed with the cfpb, HSBC responded in a written letter on XXXX XXXX 2016 they would cease and desist calling about debt that I make regular payments on. The payment is overdue by no more than 60 days, frequently only 30 days. This is a voluntary repayment I can revisit with my bankruptcy attorney at anytime. Despite this letter and verbal requests HSBC continues to call multiple times a day.
In XXXX XXXX I refinanced my manufactured home with acreage through American Financial Resources , Inc . This mortgage agreement stated that my payment would be {$1100.00}. In XXXX XXXX the papers were assigned to XXXX XXXX, XXXX which also states that my payment will be {$1100.00} will be due beginning XXXX/XXXX/XXXX. I then receive another XXXX dated XXXX/XXXX/XXXX stating that I have a new payment beginning {$1000.00}. My last XXXX dated XXXX/XXXX/XXXX was actually a closeout statement as American Financial had reassigned my papers to XXXX, XXXX. I was informed in a letters from XXXX and American Financial Resources that this reassignment was to be completed XXXX XXXX, XXXX. My payments were to stay the same. All along I have paid an amount of {$1200.00} trying to decrease the balances ( P & I and/or Escrow ). If I had an emergency ( which happened in XXXX XXXX ) I would have a little extra in the budget to pay for the emergency. I then received an XXXX from AFR dated XX/XX/XXXX stating that I have a shortage of {$1200.00} and they want the money by XXXX/XXXX/XXXX or my payment beginning XXXX/XXXX/XXXX will increase to {$1200.00}. This most recent statement shows negative balances beginning XXXX XXXX. It would have been much easier for me if I would have known about it sooner.
Ditech will not work with us at all to try to get our mortgage in current status. We have lived there for 11 years. We had a loss of income from social security due to child receiving assistance moving out which decreased our income by approximately {$950.00} a month. Also, my wife has been diagnosed with XXXX  and XXXX XXXX which sometime make it difficult for her to work on a consistent basis. I'm trying to make some kind of arrangement with them to no avail.
experian taking for ever to remove my security freeze and fraud alert ftc law saids they have to remove it within 3 hours of the request
XX/XX/2018 dispute letter along with a copy of my social security card and drivers license sent to equifax by certified mail. I received return receipt. I call equifax XX/XX/2018 around XXXX to verify everything was going smoothly. I spoke to XXXX. She said letters were received and dispute was in process. XX/XX/2018 I call Equifax to find out why my report hadn't updated since XX/XX/2018. I give them all of my info to verify me, and they tell me they could not find a file on me. I called back and spoke to 2 more agents in the disputes department. I asked to speak to a supervisor. She got my info placed me on hold. She told me she was still searching. Placed me on hold. She came back and held the phone ( the music that plays while on hold stopped and I could hear breathing and noise on background ) I say hello and she hangs up. I call back and spoke to XXXX. He stated that no file could be found for me. ( He was very irate ) i get off the call with him. I call back a few hours later. Spoke to an agent that had me to verify my info. She then gets me confused with my sister. Well, i verify my info. I reminded them they had a copy of my social and drivers license so that they know who I am. She acknowledged she could see that. She transferred me to XXXX in the mixed department and gave me file name XXXX. She said also that she could not find me. She told me she could see that I mailed my dispute letter plus copies of my social and drivers license but still could not pull up a file on me. I gave her the confirmation number I have from a previous dispute I had done online through their website. She searched and still found nothing. I asked her if me being effected by the breach last summer has anything to do with this and if I should be worried. She told me I would get a phone call from her XXXX in 24 hours. Its XX/XX/2018 and still haven't heard back. This is affecting me in getting approved for a car loan and credit cards that I have been trying to get for a year now. I have been working hard to fix errors on all three credit reports and now this. I called XXXX and XXXX and they have no problem pulling me up.
RECEIVABLES PERFORMANCE inserted fraudulent accounts into my credit file. Not only are these accounts getting inserted Receivables Performance is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform Receivables performance that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
After the XXXX of every month I receive a collections call from Wells Fargo Home Mortgage. This call is because I do n't pay on the XXXX. I have until the XXXX til a late fee is charged. I have the whole month to pay. I get XXXX calls a day! I am not behind in any payments.
On XX/XX/XXXX, I purchased a duplex property with the address XXXX, TX XXXX. I bought the duplex through XXXX, who transferred the servicing of my loan to Specialized Loan Servicing , LLC ( SLS ). I have an escrow account required for the loan, which SLS services. In XX/XX/XXXX, when the property taxes for both sides of the duplex were due, SLS paid the taxes for only XXXX. I did not notice the unpaid taxes until I received a deliquency notice from the XXXX County Tax Assessor. On XX/XX/XXXX, I contacted SLS by phone to inquire about delinquent property tax notices I had received for my home loan XXXX : XXXX . I contacted SLS because my loan requires an escrow account and SLS is required to make the appropriate tax and insurance payments under the loan servicing agreement. I spoke with an agent who was very apologetic and confirmed this was an error. The explanation given was that SLS ' had mistakenly paid the taxes on only XXXX parcel of the duplex property. She thanked me for bringing the error to SLS ' attention before the delinquency date for the property taxes and said that they would rectify it promptly. I accepted this resolution and notified the agent that I would be sending a qualified written request ( QWR ) including the county tax assessor 's bills as documentation of the issue. I sent this QWR the same day to the address of SLS ' XXXX tax office given by the agent. By XX/XX/XXXX, I had not received any further contact from SLS as required by the 5-business day window for acknowledgement of a QWR. By XX/XX/XXXX, I still had not received any contact from SLS despite it being 20 business days from the date of my QWR. I was still receiving bills from the county tax assessor and my taxes were listed as delinquent. On XX/XX/XXXX, I called SLS and was told by the agent that they had received my QWR and had an open ticket in their system for the issue. She assured me I would receive an explanation by mail on XX/XX/XXXX. By XX/XX/XXXX, I had not received any correspondence from SLS. By XX/XX/XXXX, it had been 6 weeks since SLS first promised to resolve this issue. Due to the advanced state of delinquency and SLS ' failure to resolve my issue, contact me in any way, or issue their legally-required response to a qualified written request under Section 6 of Real Estate Settlement Procedures Act ( RESPA ), I sent a demand letter outlining my complaints and requesting the full amount of property taxes due, which was now inflated by XXXX dollars due to penalties and interest. By XX/XX/XXXX, I received my first and currently only response from SLS which stated that they were looking into my issue but did not give me any resolution or a timeframe to a resolution. On XX/XX/XXXX, I paid the full amount of my delinquent property taxes myself to avoid incurring any more penalties. I intend to file suit against SLS for their egregious mishandling of my mortgage despite reaching out several times to them and trying to reach an amicable resolution.
On XXXX XXXX, XXXX Equifax deleted several accounts from my credit report. Most of them being accounts that are active with balances that I am still paying on like a current car loan and open credit card accounts. I find it extremely unprofessional that they consumers a hard time correcting erroneous but illegally against the FCRA delete things that are being reported correctly. I have spoken with a representative with the Fraud department by the name of XXXX who is telling me she is unable to see any of these accounts and wont be able to add them back on she is telling me that I should call the credit grantor and ask them to rereport. Which is something I have already done. The credit grantors are telling that Equifax must add the accounts back to the credit report being that they were the ones to delete them. Even with an active fraud alert since XXXX XXXX Equifax allowed for accounts to be deleted that were reporting correctly and accounts that I have no knowledge of to be reported.
I financed a car from Prestige Financial approximately nine years ago. The car was repossessed about five years ago. I had a balance after the car was sold and Prestige was going to garnish my husband 's wages. I settled with Prestige for approximately {$2000.00}. After about one year Prestige started contacting my family telling we needed to contact them. When I contacted Prestige they said I had left a balance of {$200.00}, and because of interest they would settle for {$1000.00}. I told them I was not going to give them any more money because I believe they were a predatory lender. I started a new job and I got a notice Pestige was going to garnish my wages. The payroll department stated Prestige was going to garnish my wages until I paid {$3000.00} back. I feel this company is being extremely unfair at this rate. I will never get them paid back. The money they taking from me is making it extremely difficult to make a living.
RE : complaint number XXXX Today I received a copy from Nation Star Mortgage showing the fees that I 'm being charged for. First of all in XXXX 2006, my mortgage company was XXXX XXXX XXXX. I filed for bankruptcy on XXXX XXXX, 2006, because I was laid off from my job and was only working part time until I found a new full time job. I did receive a letter from XXXX XXXX XXXX stating that I had 90 days before my home went into foreclosure. I then contacted an attorney and the foreclosure was STOPPED because I filed for bankruptcy. THERE WAS NO SHERIFFS OR ANY OTHER FEES THAT WAS CHARGED WHEN WE WENT TO COURT IN FRONT OF A BANKRUPTCY JUDGE! I can either contact my attorney or the Federal Bankruptcy Court to prove that these fees were NOT REQUESTED BY XXXX XXXX XXXX. These are NEW ADDED FEES that XXXX XXXX and or Nation Star have just added. XXXX XXXX  was n't even the lender of my account in 2006. Why are these new fees coming up after 11 years. I have my bankruptcy discharge papers and I can prove that these added fees were not on my papers.
I received notice from XXXX XXXX XXXX of an attempt to sue my XXXX mother, who has passed away on XXXX/XXXX/2017, There was never any communication to my mother from these people, Forster, Garbus & Garbus. This is their first communication, and it came in the form of a lawsuit to a deceased XXXX! 
The amount they are suing for is {$1400.00}!! 
I called the court and explained my mother had passed away, and there are no assets or estate. 
The court told me to report them to you, as they frequently do this to deceased people to see if there is an estate. I told the court I would send a copy of death certificate to them. 
These people really are the lowest of low. They should be sued for not validating the debt, and harassment. 
Even the court personnel now they are bottom feeders
Allied Collections Talked to XXXX from Allied Collections and he stated can I pay this debt. I asked him the name of the original creditor and he replied XXXX XXXX. I asked for a validation letter and he stated they mailed one in I am not sure of the month. I replied I did n't get it. He replied can I pay the debt. I replied I need it in writing to which he replied no paperwork will be sent, I replied i will send you a letter in the mail. He replied I acn pay over the phone to which I replied I need paper work.
In XX/XX/XXXX I purchased a XXXX XXXX XXXX. I financed this vehicle with Gateway Financial services. In XX/XX/XXXX I begin to experience issues with the car. I immediately took it back to the dealership where I purchased it from for service. They fixed whatever the issue was with the car. I continued to make the payments on the car for several months. In XX/XX/XXXX the car began to overheat and leak oil from the engine. I took the car back to the dealership again. They temporarily fixed the problem. I then continued to drive the car and make payments. In XX/XX/XXXX the engine block began to knock which is a direct indication that the engine is about to go out. In XX/XX/XXXX the engine on this car went out. I took the car to the dealership to see what it would cost for a new engine and they told me {$3500.00}. At that the time the car wasn't even worth that amount so I knew I wasn't going to pay that for a new engine. However I continued to make payments on this car until XX/XX/XXXX. I then was able to purchase a new vehicle. It was at this point I stopped making payments on the account and informed gateway that I wanted to do a voluntary repossession because the cars engine went out. My reasoning for filing this complaint is simply because I believe that I was intentionally sold a lemon vehicle. Within a month of me having the car the engine started to fail. I explained the lemon laws to Gateway Financial and they basically told me that it didn't matter that I was sold a lemon. I still owed them XXXX XXXX They have went as far as calling my job and calling my family an friends to collect on a vehicle that was a piece of XXXX to begin with.
A request for validation of a debt that this company claims that I owe to them was mailed to them on XX/XX/XXXX via certified mail and was delivered and signed for by them on XX/XX/XXXX. That letter also requested that the company have NO further telephone contact with me, but that all communication be done in writing. Since that date, no information has been received from this company proving that this debt is in fact owed to them. Also, they have made 2 additional attempts to contact me by phone at which times, voicemails were left. First time was on XX/XX/XXXX and then again today, XX/XX/XXXX. I want this company to stop contacting me by phone. This account also needs to be removed from my credit report with all 3 of the credit bureaus since they have failed to validate this debt.
My social security is paid directly into my checking account at Chase on the XXXX Wednesday of every month. My balance is normally very low in the 5 to 10 or so days prior to that deposit. I acccordingly have to regularly monitor transactions into and out of the account to ensure that I do not go into an overdraft position and thereby incur overdraft charges ( {$34.00} per ). 

Today I went to XXXX to ensure that, under a menu item called Chase Debit Card Coverage, I had chosen the " no-do-not-pay-debit-card-transactions-when-there-is-not-enough-money-in-my-account '' option. 

Here, without the graphics, is what appears on the screen when XXXX is attempting to select that option : ****************REQUIRED Chase Debit Card Coverage InformationPlease click and read the Important Information including legal disclosures and consider printing a copy for your records. 
Have you read the Important Information including legal disclosures about Chase Debit Card Coverage service? 

Yes, I have. 

No, I have not. 

Select " Yes '' if you want Chase to approve and pay your everyday debit card transactions, at our discretion, when you do n't have enough money available. You 'll have until the end of the business day to deposit enough money to avoid an Insufficient Funds Fee on these transactions. 

Select " No '' if you do not want Chase to approve and pay your everyday debit card transactions when you do n't have enough money in your account. Since everyday debit card transactions will be declined when there is not enough money available, you wo n't be charged an Insufficient Funds Fee for everyday debit card transactions. If you do n't choose an option when you open your account, " No '' is automatically selected for you. 

***************Note that the term " everday debit card transactions '' is not defined anywhere - not even in the " Important Information including legal disclosures '' that, in order to proceed, XXXX must confirm having read. [ But note also that XXXX can click the 'yes ' button, and proceed, without having taken even a glimpse of said fine print. ] Fortunately, I called my local Chase branch to get clarification - only to find that the term 'everyday debit card transactions ' does not include RECURRING debit card transactions. 

It 's conceivable that Chase 's other account holders are sufficiently cunning and sophisticated to be aware of what I had to ferret out myself, but I 'd wager that this is n't the case.
I have paid off all of my debt except for my car. Student loans are all paid and the XXXX phone bill that was in collections also. My credit score should reflect that. I also no longer work for XXXX and now work for XXXX XXXX XXXX XXXX.
Optimum Outcomes has been reporting a fraudulent collection on my credit reports. I have a fraud alert on my credit reports. I have never received any communication from Optimum Outcomes. I only found out about this collection from reviewing my credit reports. Optimum Outcomes continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints against Optimum Outcomes with the TX Attorney General, the BBB and the NC Attorney General. 
The account number listed on my XXXX report is XXXX. The last XXXX numbers have X 's so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX & NC Attorney General offices.
I pay an annual fee to US Bank for my credit card. XXXX of the benefits of this card is that it has a benefit, the says the last night of my award booking is free. I have had this card for 2+ years, I understand how this works. This year, right after I paid my fee, US Bank announced that they will discontinue the free night benefit as of XXXX 2015. The free night offer was listed on the credit card application from US Bank. I wish the Annual fee to be refunded and a bonus of XXXX points be put in my account as damages to me
On XX/XX/2018 XXXX XXXX. announced its U.S. Commercial Firearms Policy which will have the effect of preventing me from purchasing legally available firearms accessories and prevent US citizens under the age of XXXX from exercising their Constitutional Rights. The Policy has the ability to stifle free trade and hinder commerce especially of firearm manufacturers and dealers.

I fear this policy could be the the first of many that would hinder commerce of many sectors of the business community as Citigroup attempts to impose its definition of " best practices '' on US industry.
More problems with my mortgage servicer - Ditech Financial. 
Last month ( XX/XX/XXXX ) I went onto Ditech 's website to pay my mortgage. The statement showed that I had a late fee ( for what? ). I spoke to them and there was no explanation re why there was a late fee. The rep I spoke to had, " no idea '' why the fee was on my account, but assured me that I did not have to pay the fee - it had been " waived '', I was told. 
I received my current statement - now they 're billing me for 2 months of mortgage payments. 
The statement also says that my account has a {$990.00} amount shown as " funds in suspense. '' Again, there is an {$82.00} fee/charge added with no explanation. There is no note, letter or anything on their websit that explains the charge. The statement notes my {$990.00} payment made in XX/XX/XXXX, but the amount is not shown as a payment received for XX/XX/XXXX. The statement says that I owe them for 2 months {$1900.00} - that includes the mortgage payment for XX/XX/XXXX and XX/XX/XXXX and also includes the {$82.00} mystery " fee '' that has again appeared on my statement. 
My bank statement, of course shows that the full mortgage payment amount was taken out of my bank account. My money is in their bank account, but not credited to my account. 
This is the third problem that i 'm having with Ditech. A consumer has NO SAY in who services their mortgage account? Most consumers largest expense, their home mortgage, is handled by just any company? Ditech should be closed - if I messed up my money like they mess up my mortgage account, i 'm sure they would be right on my back about it. 
I guess a huge fine ( again ) is n't forthcoming. Since I am compelled to accept them as my mortgage servicer, they should be held accountable and fined, over and over, if neccesary, until they get things right.