WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to obtain a modification for this loan since XXXX XXXX and I have not received an answer. I have been working with XXXX XXXX XXXX and recently they sold my loan to BSI Financial Services. I honestly believe that this company has no intention of issuing me a modification for my home. I submitted a modification package In XXXX they review my file and told me I have until XXXX XXXX, XXXX to submit additional doc. I submitted the additional docs on XXXX XXXX, XXXX. I spoke to XXXX XXXX assistant and told him when to anticipate the documents because I was coming back from vacation and they will be submitted on time. I was told that once a modification was in place the property can not be sold. I received documents that my property has been sold. Then I receive document that the sale date was set for XXXX XXXX, XXXX. When I spoke to XXXX at the BSI he assures me that he would check that out and contact me. When we spoke he reassures me that there was no sale date set for my property. Yet I continue receiving court document of a court date. While I am waiting to hear the outcome of my modification, on XXXX XXXX, XXXX, I received a document dated XXXX XXXX, XXXX that they did not received my additional document so they can not issue me a modification and I have 30 days. Well the letter was dated XXXX XXXX, XXXX. So my question is ... 30 day from what date? I have called and left dozens of messages and no one has returned my call. Well, I do not know what kind of game they are playing. But the government need to put a stop to BSI and there unethical treatment toward consumer/borrower. I am in need of a modification for my home. I have a stable and sufficient income and I am more than able to afford this home. My place of employment is XXXX minutes from my home and I stay with my XXXX children. I am asking you to help me to work out this issue.
Every month I make payment beyond the minimum payment due for my mortgage. Every month Franklin American Mortgage Company credits extra payment as pre-payment for the next month rather than as extra principal on my account. I have called customer service and I have written customer service and I have been assured that the logic model for making payments to them has been changed, but each month I am treated the same. This approach benefits them as they charge more interest. This is a disservice to their customers and is, frankly, dishonest. Franklin American Mortgage Company could fix this, if they only were motivated to do so.
National Collegiate Trust/American Education Services is misrepresenting the date of default to XXXX in order to bypass the 7 year limitations period for reporting derogatory information. 

The date of first default was XX/XX/2008 because the promissory note clearly states default occurs when a Bankruptcy proceeding is initiated by me. ( Page XXXX Paragraph I ( XXXX ) ). 

I filed Chapter XXXX Bankruptcy of XX/XX/2008 and included this alleged debt in the matrix of creditors. The creditor was served ( See service of process ) and a discharge was ordered on XX/XX/2008 ( see discharge order ). NCT/AES did not object to the discharge order. 

Finally, this note was falsely labeled by XXXX XXXX XXXX as an educational loan but I was not a student when the loan was issued. I was in the hospital and no longer enrolled at the University XXXX. Furthermore, the University XXXX failed to certify the loan, and the check was not made out to the University XXXX. The interest rate was over 20 %, and required a cosigner. 

I never made a payment on this account. The only payments made were by my grandmother. The debt collector was extremely abusive, calling my grandmother several times per day demanding {$100.00} payments and increases in payments, even while she was in XXXX. She was XXXX when this debt collector continued to harass her by calling frequently to obtain additional payments before her death. 

The loan 's proceeds were used for gambling and other personal expenses. I was not a student and the loan was falsely certified.
I was a victim of account fraud on my chase account. I contacted the police department when I noticed a  XXXX  transaction on my account that I did not authorize. I was in possession of my ATM card. The police went to the gas station where the transaction took place and they pulled the video surveillance and they were able to identify the suspect. The y have a warrant out for his arrest. I contacted my branch manager and he explained that I am insured and that the money would be put back in my account. Months later, Chase said they did an investigation and found that there was no fraud and took my money back out. My branch manager called the detective and provided the fraud depart ment at chase the police report number and the detective offered t o give then the video with time stamped proof of the suspect and provide written proof of the warrant. The fraud department refused to take the evidence even though I am supposed to be protected and insured. I am begging for help. I have any and all evidence needed. My branch manager was outraged at the way the fraud department handled  this case.
Hard inquiry from Belk company dropped my score XXXX points I did not authorize any inquiry and did not fill out any application with this company
I am a USAA debit card customer. Recently, my debit account number was hacked, so the bank replaced my card with a new card. In the meantime, XXXX payees reported that they had not received their monthly payment. Payee A contacted me by email and I resolved the problem by giving them the new card number. Payee B contacted me by email and then sent an email saying that they had resolved the problem by charging my new debit card. I never gave anyone at Payee B or USAA permission to debit my new debit card account. 
USSA has reversed my charges and given me a new debit card. But there is no explanation for why the bank or the XXXX network allowed payee B to be payed with my new card. Finding out what I know has wasted hours of my time. It 's worse than dealing with a car dealer!! 
This is a form of customer harassment. Why do banks get away with this?
*******PREDATORY LOAN ********* *******PREDATORY LOAN ********* *******STAY AWAY ********* I opened a loan with this company back in XXXX. For approx. {$5900.00}. I refinance in XXXX and received an additional {$1000.00}. This brings the total borrowed amount to approx. {$7000.00}. Ive been paying on this same loan for 5.5 + years every month for {$250.00} and was never late. That a total REPAYMENT amount I have made up to now is approx. {$14000.00}. I recently lost my job and the company is now harassing me saying that I still owe approx. {$3900.00}. The company has posted the late payment information on my credit report which has lowered my credit score. This has hurt me really bad. How is it possible to borrow {$7000.00} REPAY a total of {$14000.00} and still owe almost {$4000.00}??? This is unreal and probably illegal on the part of this company!!! Stay away form this company. I feel like if I have not been late and have repaid a total amount of around 200 % from the original amount borrowed I SHOULD NOT OWE money. My balance should XXXX!! Looking over my documents the APR is 36.00 %. doing the math on this at the very best I should only owe approx. {$1000.00} to have the total 60 months agreement payment fulfilled. PLEASE HELP ME!
Ive been a victim of major identity theft with having my personal information jeopardized in 4 major data breaches, false credit reporting issues, fraudulent use of my SS #, fraudulent personal loan and mortgage fraud. That has become a servere tragedy in my life with losing my residential property, losing my employment, affecting my children and received a letter saying there information was stolen as well. As I have had to move into family members home and ca n't get any financial support to recover from all of this. I truly appreciate your feedback and help. Thank you
Got an auto loan in the amount of XXXX paid down to XXXX car was repossed and sold, now they 're saying I still owe the XXXX. They took this matter to court, now I have to make monthly payments of {$100.00} until paid in full, and still do n't have the car
DiTech Financial continues to claim I am responsible for the mortgage on my ex-husband 's property even though I signed a Quit Claim Deed that was filed with XXXX County on XXXX XXXX, 2011. I corresponded directly with DiTech and included a copy of that Quit Claim Deed but they completely ignored it. They referenced a note I signed in XXXX 2011 ( which was clearly prior to the filing of the Quit Claim Deed in XXXX 2011 ) for my ex-husband 's property and stated a divorce did not release me from the debt. Note, they did not once mention the Quit Claim Deed in their correspondence to me, i.e., they intend to continue to perpetuate this fraud. It needs to stop.
1 ) Recently received debt collection letter from XXXX XXXX XXXX XXXX XXXX , XXXX ; dated XX/XX/2018. Referencing XXXX XXXX Bank Card XXXX XXXX ; Total {$11000.00} ; ref no. XXXX ; current creditor ; XXXX , XXXX 2 ) respondent has not owned a credit card in 10 years ; statute of limitations for Florida and Georgia is 5 years and 6 years respectively. 

3 ) respondent did send out a debt validation letter and cease and desist letter but the company First National Debt Collection Bureau , Inc has no working fax number and has two addresses one in XXXX, NV and another in XXXX, PA. All information on the company is hard to find and most likely old and out dated. A ghost of a company. So I am not sure if my debt validation letter or cease and desist letter will get to their proper destination. 

4 ) I dispute the claimed debt as not verifiable and way beyond any statue of limitations for collection.
Company Name is NAVIENT. I received notification in XX/XX/2017 that I was a class member of a class action lawsuit that was filed against Navient. When I went to make my payment in XX/XX/2017, I had to phone them because I did not receive a statement and that is when I was told that there was " no payment due '' on the loan because it was placed in forbearance due to the class action lawsuit and that they could not accept payments. Navient also told me that I would be notified when payments would resume. So periodically over the past year I would check the account online or call them and would be informed that it was still in pending litigation and no payments are due. Once again I just checked my account online and noticed that still no payments are due but the unpaid balance was much higher. I wanted to view my account history to see what the additional charges were and it still is not available for my viewing. So had to phone them for the answer and was told that it has been accruing interest, interest rate increases and fee 's since they placed it in forbearance. I am furious because this was never disclosed to me and I suspect it was being hidden because the historical transaction history was never available for viewing. The CFPB needs to step in because if this is happening to me and I am only 1 class member just imagine how many others are also being affected.
After finishing school and relocating, we became a few months behind on our statements with CareCredit/GE Capital Bank due to unemployment. Ultimately, we were past due over {$500.00}. Once stabilized financially, we contacted them several times to work out a payment plan because paying over {$500.00} was too much for us, but we stated to them several times that we were willing to pay back what we owed in smaller more reasonable amounts. They have refused to help us and insisted that we pay back the past due amount immediately. Even after talking to one of their financing specialists, they still stated they were unable to work with us and only referred us to a credit counseling agency. Until then, they told us they would continue to add late charges and interest for missing payments. We feel this is unfair, we have contacted them several times in attempts to make more manageable payments, while they refuse to assist us and continue to increase our past due amount that we are already having trouble paying.
My mortgage was sold to Greentree last XXXX after 2 months with them I was told I had a {$1700.00} escrow shortage 2 months after that they told me my payment would be increased again because now I had a {$1500.00} shortage last month I get another escrow analysis and now they want another {$2000.00} so in XXXX and a half years I owe them over {$5000.00} in escrow shortage my property taxes are {$4600.00} .Nobody in thier so called customer service seem to know anything I do n't know what they are doing with my escrow payments but something is n't right this place is a nightmare.I see ditech has taken but the damage is done and I dought they are going to be any better since that are really the same company. I do n't know where to go to get help with this and get honest answers.
My mortgage provider, Freedom Mortgage, refuses to remove PMI on my primary residence. I purchased the property XX/XX/XXXX and put 5 % down. The appraised value of the property at that time was {$200000.00}. Mortgage is a conventional 15 year loan. I reached 80 % LTV of the original appraised value of the property XX/XX/XXXX. I submitted a written request for removal of PMI. I was told that my written request was denied because it had not been 2 years since the loan origination date and that it would be dropped after my XX/XX/XXXX mortgage payment. After my 2 year origination date had past, the company still refused to remove the PMI. My XX/XX/XXXX payment brought the LTV to 77 % of the original value. Freedom mortgage now says they wo n't remove the PMI till the LTV is below 75 %. They also state my PMI written removal request will not be accepted. I have submitted a second written requested PMI removal letter and still the mortgage provider will not drop the PMI. I am current on all payments, and have no other liens on the property.
Our loan was purchased by Greentree Servicing LLC in XXXX. The XXXX payment was due to them on XX/XX/XXXX. We made the payment via telephone on XX/XX/XXXX of XXXX. The next month we went to make the payment and was informed they did n't have the payment from XXXX At this point we provided to their collection person the reference number, the time of day ; bank information ; sent bank statements. No resolve until XXXX. However, during that time all payments were being held by them because the rep told me " they hold them until all payments are located ''. I asked would it be considered late. They advised me NO ; because they are not late they are just trying to find the payments. We are now attempting to change lenders and found they are reporting late payments since XXXX which we were not with them until XXXX as well as we could not access the website until XXXX because they were holding the payments. We talked to someone from Greentree almost every other day regarding the payments. No one called as promised it was us calling them. Then they went up on our mortgage payment which they said was due to escrow because the payments were not being paid. I was advised my husband would have to call in after all payments were found to request a new evaluation. Well two weeks ago we did that and they told us we could not until next year. This lender is not only making false statements but the customer service here is horrible. Today, XX/XX/XXXX I called in regarding the late payments we were advised of and was told it has to be in writing and could take two weeks. I asked the guy I was speaking with for a supervisor and he transferred me to the voicemail. We are due to close on Monday, XX/XX/XXXX and need this to be corrected immediately not in XXXX weeks. The payments were made as they were set to make and we have not been charged any late fees. I believe this is another ploy by this lender to ruin our information so they can continue to balloon our mortgage. Your help is needed to have the payments reported correctly and updated to the credit bureau immediately.
Equifax allowed a major breech of their system, resulting in my personal information being obtained by unauthorized parties, potentially resulting in financial and credit ramifications for my family and me.
My account was charged a numerous amount of different transactions without my authorization. I filed a police report after being denied claims from my bank ( santander ). They told me i was denied because the person who took the transactions out of my account gave them documentation that they had my email address and mobile number. They took all of my funds and left my account on XXXX which is starting to add up because of overdrafted fees. I have never gave anyone permission to take a consecutive number of transactions out of my bank account ten transactions all different amounts. I have been banking with this bank for three years I trusted they would get to the bottom of this and they simply told me was not their problem, that it is my responsibility to protect my own account. I am a single mother of twins Ive had to borrow money from family members co workers in order to pay my bills. I was working a 9 hour shift when the transactions started to take place. I didnt notice until it was too late for the bank to stop this person from stealing from me. I filed a police report and the officer told me filing a report wouldnt help much. Im unsure of my next step Santander bank has the worst customer service each representative told me it was my fault.
TransUnion File Number : XXXX for an online dispute was filed to correct the same incorrectly reported information ( 30-day delinquency ) and there was no change to re-verifying again the repeated error that is best explained as follows ( plus see all attachments ) : Recurring automatic payments established on the account were all processed with exception of the final payment. I have been back and forth with XXXX XXXX XXXX  since XX/XX/2018, regarding the fact that they acknowledge quote/unquote, " We are in agreement with you, with regards to your reoccurring payment, it had been previously accepted and should have been accepted in XX/XX/2018, '' Had they accepted my XX/XX/2018, final reoccurring payment, we would not be having this complaint, along with all of the distress and adverse actions that I and my family have suffered due to this bank not accepting/processing my payments until which point they could create a 30-day delinquency entry on my credit bureau file report. This information is not accurate ; there were two separate attempts to finalize the last payment, both prior to XX/XX/2018, and just as recently stated in an email from one, Ms. XXXX XXXX XXXX ... " ... the interruption in your payment is the only reason to remove the delinquency. '' Well, this was interrupted, and so, therefore, they need to remove this delinquency ( just as stated by her own words ). Why hasn't she? This has already cost me the recent opportunity to close on a new home, due to the blemish on my credit and fall of my FICO/credit scores resulting ... I also certified them a letter in addition to several phone contacts, emails, and more. I have also been the subject of discrimination in the past with this institution, and believe this is much of the same, and I recently raised this issue again. Please examine their past track-record ( s ) as well as mine. I also will provide similar documentation as I have given them in advance, as well as been repeatedly cooperative, with no resolution yet in sight. Lastly, allow me to also point out that just prior to the interruption in the reoccurring automatic payments, there had been an account number change, where, the original XXXX XXXX number ending in # XXXX was changed to a new XXXX XXXX number ending in # XXXX. This change was not of my request or doing, and the interruption to ongoing payments not getting processed is an internal issue that I can not resolve for them. As a result, this posted delinquency to my credit file is long overdue to be removed and never should have been posted to my credit and all bureaus in the first place. The bureaus have also been contacted and I will continue to escalate this right to the point of legal action if necessary until the corrections to their mistakes have been updated and removed from all of my credit bureau reports, and my credit is once again restored as it should have been previously, prior to this misrepresented and inaccurate information that was reported. This is an attempt to hold any and all organizations liable, that have failed to enforce the correct reporting of my records and/or amending such, without further delay. Thank you.
last year i was convinced to switch my DISCOVER CARD to a discover " it '' card ( by a discover card representative ) because of all the benefits i would get, but when it came time to receive the biggest benefit, they would not give it to me, because it was a switch, and not a new application. the benefit with the " it '' card is supposed to be double your cashback bonus upon your anniversary date. they even have commercials about this feature, to entice you to get an " it '' card. i was not told i would have to cancel my then current discover card, and reapply for a new card at the time. i was told it would just be easier to switch to the new card, but i was assured that i would receive all the benefits. i consider this deceptive and false advertising on their part, and would like my cashback doubled as promised.
I received a notice from CITI that my Bloomingdales card, which I have n't used for a while, was enrolled in the " Credit Protection Plan ''. AND I was being charged {$.00} for every {$100.00} of balance, whether or not I was late. This was news to me? Never did I realize I had such a charge or signed up for this " Credit Protection? " I immediately called the number to unenroll and on the phone asked when I signed up, they said 2009? I then asked how much I had been charged to date and they said, " {$110.00} ''. I was pretty mad to know that they had charged me over the years and only wondered how many others this had happened to? I kindly asked for a full refund of the {$110.00} to which he said, " No. '' These deceptive practices may have been caught earlier by me if I was using the card regularly. I trusted Bloomingdales and trusted they would n't be charging me extra fee 's like this. I am very very upset that they would do this and not admit to the deceptive practices and refund me this amount. So I am turning to your agency.
Capital One  is inaccurately reporting a charge off record on my report. They continue to say that I owe them {$2700.00} but I have never had an account with them in the past.     Their records should show how many times I have called to address this issue. I am filing this complaint with the CFPB because this is not my debt and it needs to be deleted from my report as soon as possible.     My father and grandfather both share my same name so it 's possible it  may be one of their accounts.  I am   XXXX   XXXX   XXXX   XXXX  . I no longer have any contact with them so it 's very hard for me to verify if they ever opened an account with this bank. My report shows this account it was opened in   XXXX   so that means I would have been in high school when I applied for this credit card. This does not make any sense.     The account number according to my report is : "   XXXX   ''.
I have never signed anything with this Capstone Credit. This has to be a mistake. I do n't know this company nor do I know that amount. If you could help me I would truly appreciate it.