WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2014, we applied for a modification because our interest rate was 7.00 % on our first and 9.875 % on our second and we were going through some tough times and were trying to save money where we could. We did not have escrow at the time. Our loan was originated with Country Wide and then moved to Bank of America. We were not behind on our payments nor had we ever missed payment of taxes or insurance. At the time, we were not eligible to refi because the property value was lower then the loan balance. Bank of America added escrow and told me that if I could make three months of trial payments then they would look at combining my XXXX and XXXX, include escrow and lower the interest rate. I was also told that if I did not agree to the modification proposal that I could decline and my loan would go back to the way it originally was. We made the modification payments but when the modification proposal was delivered, my XXXX was still at 7.00 % and XXXX was still at 9.875 %. The only thing that changed was the added escrow. Since this did not benefit me in any way, I declined the modification on XX/XX/XXXX in writing. The relationship manager said to go back to making our prior payments which was {$500.00} less and the escrow account would be deleted in about 10 business days. I continued to follow up with my relationship manager because I started to get delinquent notices and he continued to tell me it was fine and that they were still working on it. I have clocked over 18 hours on the phone with BOA throughout this process. After XX/XX/XXXX, BOA told me we owed for taxes {$4200.00} and then they could delete the escrow. We paid that in XX/XX/XXXX. Then in XX/XX/XXXX they said we just needed to pay then {$4200.00} because we were behind on payments, even though we had continued to make our pre-modification payments. Once we did this, they would remove escrow and put our loan back to the way it was and refund {$2000.00} to us. We paid that and now they say they can not fix the account because we have not made our payments on time for the last 12 months. So now we have a bunch of late fees, our credit report is showing 30 and 60 day lates and we are stuck with escrow. Before this, we had never had 30 day lates. Now that home values have increased, I still ca n't refinance because our credit is reflecting negatively with our mortgage. We were promised that our loan would be fixed, our credit would not be affected and we would not be penalized for making the original loan payments with late fees once the loan decline was received by multiple people, including our relationship manager. I have talked to many people at Bank of America and am getting nowhere. I also filed a complaint with the OCC. I am worried that I may lose my job because of the negative information on my credit report. I also work for a bank and as a Loan Originator I am responsible for using my person credit responsibly.
On XX/XX/XXXX, I got an auto loan from USAA Federal Savings Bank ( " USAA '' for the rest of the complaint ). 

In XX/XX/XXXX, I paid this loan off IN FULL. I have a confirmation letter from USAA dated XX/XX/XXXX, and a " Lien Satisfied '' letter from USAA dated XX/XX/XXXX. 

In XX/XX/XXXX, I noticed a " charge off '' in the amount of {$180.00} dated XX/XX/XXXX from USAA Federal Savings Bank on my credit report. 

On XX/XX/XXXX, I called USAA. After 1 hour and 16 min, I was eventually routed to the correct Department : " Charge Off Recovery Dept '' XXXX XXXX ext XXXX. The representative XXXX was as helpful as she could be. She confirmed that my loan was indeed paid in full and she could not figure out why there was a charge off. She informed me that the USAA credit reporting dept could not be reached by phone, either by consumers or by herself. She stated she was going to initiate an investigation and she advised me to file a " Credit Report Dispute '' via the USAA website, which I did immediately. She also advised me that it would take approximately 30 days before any information was updated on my credit report and that I should check at that time. 

On XX/XX/XXXX, I called USAA Charge off Recovery Dept and talked to XXXX again. She informed me that on XX/XX/XXXX, the charge off amount of {$180.00} was " washed out and cleaned. '' She again advised me that it could take up to 30 days before this information was reflected on my credit report. 

On XX/XX/XXXX, I checked my credit report. The charge off by USAA was NOT corrected. I again called USAA Charge off Recovery Dept. This time, I talked to XXXX. XXXX confirmed that my account was " still in charge off status, '' but he could not provide me with any further explanation. I asked if I needed to make a payment to remove this charge off, but he informed me that I couldn't make a payment " because there is nothing to pay ''. He stated he was going to initiate another investigation and that if I would like to, I could file another " Credit Report Dispute '' on the USAA website. I told him what I would like is a resolution to this issue, and that I wanted to speak to someone in the credit reporting office who would actually be able to answer my question as to " Why was there a charge off when the account was paid off in full and the lien is satisfied ''? Most importantly, I told him that I wanted to talk to someone who could actually tell me what needed to be done to resolve this issue, AND actually resolve the issue, ie remove the charge off from my credit report. He informed me that " the back office can not be contacted by phone '' and that my only recourse was for him to initiate another investigation. I asked him to initiate the investigation. 

Why there was a " charge off '' when USAA sent me a letter stating " Your Loan Has Been Paid in Full '' on XX/XX/XXXX and another letter stating " LIEN SATISFIED '' on XX/XX/XXXX. How could I possibly have owed them any money?
On XXXX/XXXX/XXXX my account was overdrawn while I was very ill. I hadnt noticed this until XXXX when I replenished my account and also out of the hospital. I can not afford the overdraft fee and while I tried to explain my circumstances to a phone banker, she refused to take my illness as an excuse. I fully understand US Banks overdraft policy, however I believe {$36.00} is extremely egregious. Overdraft fees effect low income individuals the most, so such an expensive fee is very taxing on individuals at that income level. I dont think its fair that such a high fee can be assessed, without any room for budging for difficult life circumstances. To US Bank : life happens to everyday people, and to profit so greedily when your customers are literally in the most financially difficult time ( and in my case, most difficult medical time ) is both upsetting and deeply difficult to handle. I can not afford these fees, you are profitting tremendously, and your lack of human compassion is extremely troubling.
In XXXX my wife and I joined the new XXXX XXXX gym at XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX ), paying for a full year upfront which gave us one month free ( see PDF of contract in attachment ). Early in XXXX my wife broke her foot and we stopped using the gym. We thought we were done when our 13 month paid membership expired. We discovered in XXXX, XXXX that XXXX XXXX XXXX, the billing agent for Anytime, had been taking {$74.00} from my wifes XXXX XXXX XXXX XXXX account for 73 months ( from XXXX of XXXX through XXXX of XXXX ) for a total of {$5400.00}. We only discovered this after XXXX left her nearly 30 years of employment at XXXX XXXX XXXX and closed her Credit Union account. XXXX came looking for a new account to charge XXXX see attached bellow of ABCs letter XXXX. After much effort a XXXX XXXX XXXX, the owner of the local XXXX XXXX franchise, declined to make any offer of reimbursement ( see a copy of his email, below ). 
After talking to the XXXX owner, the basis of our dispute is that we insist we were not members after the XXXX 13 months and that we did not notice the money coming out of my wifes credit unit account for over 70 months until that account was closed and the finance company, XXXX, came after the XXXX payment. The XXXX position is you signed a contract and we called every few months to say come on down XXXX calls based on a report that showed we had not been to the Gym ). Our position is that we thought the calls were attempts to get us to rejoin. Both my wife and I clearly told the gyms employees during a number of these calls, that we were no longer members and we did not wish to rejoin. I was very firm with a representative of the gym who called in XXXX XXXX. They had called to my cell phone and reached me in Maryland where my family is relocating to. I asked them to stop calling as we had relocated out of State,  had not been members for nearly 10 years and had no intention of ever rejoining and yet they still kept charging our XXXX account. The XXXX XXXX Police had explained to me that once they get your account information, it is very hard to get them to stop charging you. In late XXXX early XXXX, I told them to stop having XXXX bother me, what did you not understand from my phone call in XXXX. They said they would take care of it, but shortly thereafter I received the attach letter from XXXX. I told a XXXX XXXX in a phone call, that if they had acted prior to sending the letter from XXXX, that they could have kept our money since the account was closed and we never knew they took any money from that account. 
We are seeking reimbursement of the {$5400.00}. More details are included in the timeline.
On XX/XX/XXXX I deposited 3 USPS Money Orders to Capital One Bank. The total was XXXX. One USPS Money order for {$500.00}, and two for {$1000.00} each. On XX/XX/XXXX I recieved a charge back for {$1000.00} and the bank says that one of the money orders was counterfiet. I verified the serial numbers by calling USPS and they confirmed the serial numbers were in the system for the correct amounts. When I deposited my 3 money orders I verified the hologram and the security markings on the money order before depositing. The bank is refusing to acknowledge that they made a mistake and classifying my money order as counterfiet and is refusing to provide me with the original money order for {$1000.00}. Instead the bank gives me a legal photo copy of the money order with the words COUNTERFIET written on it. They are refusing to look into the matter further and are unwilling to fix their mistake. I know the money order was real. They wont disclose why they think the money order is counterfiet are not unwilling to help with the matter. I have tried talking to serveral supervisors in customer service as well as the legal team and no one can explain to me how the money order was flagged as counterfiet. I am out XXXX due to this mistake on their end and they are not working with me to correct it.
I have made several attempts and spoken with the debt collection agency and credit bureaus. Notify them that I was a victim of Identity theft
My loan was serviced through Navient. A few years ago I was trying to get onto a low payment play and take advantage of the Public Service Loan Forgiveness Program. I was told by Navient that the " graduated '' repayment plan that I was on qualified for that program and that after 10 years of payments the remainder of my loan could be forgiven. A month or so ago I called to check on something and was informed that in fact the plan I was on did not qualify, meaning that for the last 2 plus years I was making payments that were not qualifying for said plan.
I recently applied for a home equity loan-my first time doing so. One of the reasons I was n't approved was that I had a charge off on my chase credit card account in 2005. According to the fair credit reporting act information over 7 years old is not to be reported unless is a bankruptcy, and then it 's 11 years. I contacted chase, and they refuse to take it off. The response I received was that they did n't want to affect the integrity of the reporting procedures. So a mistake I made XXXX will affect me the rest of my life? I have 10 years now of no negative marks on my credit, and this is still haunting me. I do n't know what else to do! Please help!
I disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX XXXX  ( XXXX ) 3 ) XXXX  ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) ( XXXX ) 9 ) XXXX XXXX ( XXXX ) ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX  ( XXXX ) 12 ) XXXX XXXX ( XXXX ) ( XXXX 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX  XXXX ( XXXX ) 15 ) XXXX  XXXX ( XXXX ) 16 ) XXXX ( XXXX ) 17 ) XXXX XXXX ( XXXX ) 18 ) XXXX  XXXX ( XXXX ) 19 ) XXXX  ( XXXX ) ( XXXX ) 20 ) XXXX XXXX XXXX ( XXXX ) 21 ) XXXX XXXX ( XXXX ) 22 ) XXXX XXXX  ( XXXX )
Last year I keep received the messages that I open an XXXX XXXX card and spend some money with it. But I never know about this card. Later, I call the XXXX XXXX Customer Service and talk with the supervisor about this situation.The fact that the supervisor/manager already said that I am not responsible for the bill as it was a fraud and I never opened a XXXX XXXX credit card two month ago, and the XXXX XXXX report doesn't even list that credit card nor bill, so why are they asking you to pay. 


But now they still send me this bill makes me really annoying!!! 

And I think XXXX XXXX company stole my information to make profits like that. This behavior is really evil and torture me with this kind of bill for all most one and half year. 

Please help me with this kind of Situation.
I have sent to certified letters over the last 60 days stating to TransUnion that they are reporting a BK Dismissal on my credit report that is n't mine, I received a letter from them stating they verified that information. I called the US BK Court where is false filing took place, the BK Clerk told me that they do n't verify and information to any party or company. I need verification on how they came up with this verified information that does not belong to me. This has hurt my credibility not to mention I just got turned down for credit. I will file a law suit against transUnion for damages to my credit and slander. How can a copy report false information and say they verified it was me. Please show me my signature and whom they spoke with at the US BK Courts. I want a name so I can file a law suit against them as well. If I have to I will call the local news agency to get this on the news.
I am a XXXX. I own block/lot # XXXX in the City of XXXX, New York. I use my social security and retirement benefits to pay my mortgage. 

My mortgage companies are HSBC Bank USA , N.A . ( mortgage co. ) and XXXX ( servicer ). I pay a monthly amount into escrow for my mortgage. They are supposed to use that escrow account to pay my property 's taxes and insurance. 

In XXXX, I had received notification from the City of XXXX that XXXX taxes were in arrears ( attached ). In XXXX XXXX, I sent XXXX the bills, and I also wrote them several letters ( attached ). After no response, I filed XXXX complaints with the Consumer Financial Protection Bureau in XXXX XXXX ( Case # 's : XXXX and XXXX ). 

I received a letter from the mortgage companies on XXXX XXXX, XXXX ( attached ). It said that according to their records NO TAXES were due on the property. They considered the matter resolved. The letter came from XXXX XXXX XXXX, Asst. Vice-Pres. of HSBC ( attached ). Therefore, your Bureau took no further action. 

However, on XXXX XXXX, XXXX the City sent me another letter stating that the XXXX taxes are STILL in arrears ( attached ). Also the City is charging fees. The City has placed my home on the list of in rem foreclosures! The City will sell my house, and will not take the property off the foreclosure list until the tax is due. The City says it sent XXXX several letters since XXXX XXXX, without a response. The City also claims it sent a copy of its XXXX XXXX, XXXX letter to XXXX. 

In XXXX XXXX, I again contacted both HSBC and XXXX several times, but as of today the taxes remain unpaid. The City states that it has sent XXXX numerous letters during the XXXX years that the taxes have been due. The City 's letter itemizing the following fees to be paid : {$1200.00} ( back-taxes ), {$440.00} ( late fees ), and {$250.00} ( in rem proceeding costs ). 

When I contacted XXXX last month again, they told me they would " research '' the matter. I told them I would NOT pay XXXX XXXX mortgage payment of nearly {$1700.00}, because I wanted to use the money to instead pay the nearly {$1900.00} due in back taxes and fees ( as an offset ). XXXX stated that if I did so, they would begin separate foreclosure procedures against me for not paying my mortgage! So I paid the XXXX XXXX mortgage payment to XXXX. Yet, when I spoke to XXXX again, they said they had " no record '' that any taxes were in arrears! They are claiming they never got any letters from the City. 
I need help, before they take my house. I also want to file a RESPA action against the XXXX mortgage companies. I can not continue to endure this XXXX.
A purchase from XXXX using XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$500.00} failed. The money was taken off the card and should of been returned to the card when the purchase failed at the money center terminal. IT did not! 

The money missing has been acknowledged by XXXX/XXXX due back to me but the replacement giftcard which they sent me is supposed to be loaded with {$500.00} refund ( card ending XXXX XXXX ) .... can not be used. 

I HAVE CALLED AND EMAILED RELENTLESSLY they will not respond or give me the same response over and over that it will be fixed in 24 hours. 

It is XX/XX/XXXX, they took my money XX/XX/XXXX. So many hours spent on the phone telling the same story over and over, no one at XXXX cares. 

Dispute now ongoing with XXXX is # XXXX XXXX ( this Dispute started out as # XXXX )
Ditech/ Greentree started foreclosure on a property that I used to live in. The house was foreclosed on in XX/XX/XXXX by XXXX. Ditech started foreclosed in XX/XX/XXXX. Ditech admits that they should have never had the mortgage and they took it off of my credit report. However they say that the account will remain open. Which makes no since if they should have never had the mortgage. Ditech says I owe them no money. I need them to report to the credit bureaus that the account is closed and that I owe them no money. Also XXXX says I owe them no money. I 've talked to both companies and each company tells me to contact the other company. If I owe neither company money I do n't see why they ca n't close my account.
I called Military Credit Services because I just received my bill and there was a late of {$18.00} for the month of XXXX. This payment was due XX/XX/17 was mailed out XX/XX/17 and was posted XX/XX/17. this has happened more then once and it would seem that this company does this to everyone just to get the late fees. When I talk to one of there rep 's all I got was a bunch grabage about check from day one of this account. I was getting no were with this person and knew it would not be fixed.
about XXXX weeks ago, I filed a dispute with Transunion about an item on my report. it was reported XX/XX/XXXX as delinquent. it was paid in full in XX/XX/XXXX but still remains on my report. I called them today and they told me the law say 's it can stay 10 years. this was a bank loan that has been paid in full since XX/XX/XXXX that is 8 years ago. could you please have them remove. bank in report is XXXX XXXX Bank XXXX, in XXXX XXXX, AR. the way I understand the law, is that only bankruptcy 's remain for 10 years. thanks
Today ( XX/XX/2018 ) I was trying to purchase tickets for a concert on XXXX and I got scammed twice. Both scammers requested I sent money through XXXX.

1st payment to 1st scammer was {$100.00} ( for one ticket ). I have a phone number and email address.

2nd payment to 2nd scammer was {$300.00} ( for two tickets ). I have a phone number, email address, and Driver 's License.

Wells Fargo uses XXXX   so I thought I was protected and this was a trusted platform. Unfortunately I didn't receive any tickets from both scammers and Wells Fargo refused to help but recommended that I file a police report, which I did and I have the case number. I also emailed XXXX support but I don't expect to get any help from them based on what I was reading. I also filed a complaint with XXXX.

Can I be advised on what consumer protection I have in regards to this matter?
I have a loan with rbs citizens bank. Their fees are ridiculous if you ever get behind in a payment they talk to you like XXXX terrible customer service i tried to defer my car payment do to hardship they denied it i asked could they change my payment day later in the month they refused to. Two days before my loan was 2months behind i tried to pay for one month they refused to take my payment they demanded i pay for both months and a ridiculous reposession fee. My car was never repossessed they told me the fee was because they submitted it to be repossessed on top of these ridiculous late fees i am current with my loan but for some reason they are still charging me late fees. I dont like to call them because they are so rude
I am a XXXX year old XXXX XXXX XXXX veteran. I applied for my annual free credit report and was DENIED. I was asked questions about financial situations that occurred in XX/XX/XXXX and XX/XX/XXXX. In addition, I was asked for the last XXXX numbers of my primary checking account. I have NOT written a check in decades. I do not have any checks, and that information is blocked on my online account. I was also asked about a bank card. What is a bank card? I have XXXX credit card, XXXX XXXX, XXXX Mortgage, XXXX, and a debit card.. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Experian needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, XXXX really jumped out at me. Thou must have more than XXXX type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card, a mortgage and a debit card. The mortgage will be done soon. So I will only have a credit card and a debit card. This is crazy, NO debt is the goal.
Experian did my fix my issue with the Bankruptcy and refuses to investigate it again per their letter.
Equifax and XXXX are ignoring my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I AM A VICTIM OF IDENTITY THEFT, I NOTIFIED XXXX CREDIT BUREAU, THEY WERE SENT NUMEROUS TIMES FCRA 605B, MY IDENTITY THEFT POLICE REPORT, MY ID, EVERYTHING THAT IS REQUIRED TO HAVE AN ACCOUNT THAT IS ON MY XXXX  CREDIT FILE THAT IS A DIRECT RESULT OF THE IDENTITY THEFT I SUSTAINED, THEY REFUSED TO REMOVE IT. THE ACCOUNT IS FROM A COMPANY XXXX XXXX AND I ASKED WHY THEY KEEP ON LEAVING IT ON MY FILE, THEY SAID BECAUSE THE COMPANY XXXX XXXX XXXX KEEPS ON REPORTING IT TO US AS A GOOD ACCOUNT, SO I SENT XXXX XXXX  A LETTER AND A COPY OF MY POLICE REPORT FOR ID THEFT AND THEY STILL REFUSE TO REMOVE IT. THE FCRA STATES ONCE A CONSUMER ADVISES YOU THAT THERE IS A FRAUDULENT ACCOUNT ON THERE REPORT AND HAS PROOF THAT IT IS LIKE A POLICE REPORT STATING JUST THAT THEN YOU HAVE 4 DAYS TO REMOVE IT, OR YOUR IN VIOLATION OF THE LAW OF THE FEDERAL GOVT. NOW I DIDNT MAKE THE LAW, BUT I WANT THE LAW ADHERE TO NOW!!! I WANT THAT ACCOUNT BLOCKED FROM MY CREDIT REPORT ( XXXX ) AND NEVER PIT ON THE REPORT AGAIN ... SO I WANT XXXX   CREDIT BUREAU AND XXXX XXXX XXXX TO HAVE THIS REMOVED IMMEDIATELY ...