WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of the XX/XX/XXXX/XX/XX/XXXX housing failure. I was able to modify my XXXX Mortgage with XXXX XXXX back in XX/XX/XXXX. All has been great, I 've made all required payments, and am now at the end of the HAMP ( Modification process ). Unfortunately CitiMortgage who held the XXXX did not comply with the HAMP Program and Modify or Extinguish their Loan ( as per the HAMP Program Rules ). But here 's where it gets confusing ( to me ), after receiving my end of year tax statement from Citi in XX/XX/XXXX, the statement read, Owed - {$100000.00}, Paid - {$100000.00} and the balance was XXXX, I thought all was good and that Citi Extinguished the loan, and I have n't heard from Citi Mortgage in 7 years. And when I call the CitiMotrtgage Bankruptcy number, it states, " We no longer manage this loan, it has been paid in full on XXXX XXXX, XXXX ''. 
Then, I went to re-finance XX/XX/XXXX, and now XXXX years later, I found out CitiMortgage sent my Loan off to the Recovery Dept., and held the Lien on my house. They did nothing to work this out ... I have all my notes from XX/XX/XXXX of who I spoke to on what days, etc., with Citi, and all of my effort to do the right thing back in XX/XX/XXXX. I have sent these notes to them twice, and do n't believe for a second anyone read any of it. I say this because the last time I called and spoke to them, they kept asking me questions that would have been easily answered, if they had taken the time to read my comments. And CitiMortgage has admitted to me on the phone they did n't get all my paperwork I sent them, to the correct Dept. Their mistake never allowed me to modify the XXXX Mortgage. They dropped the ball so many times, gave me the complete run around, transferred me to dept., after dept., told me the Modification was under way, but they did nothing to comply with the HAMP Program. 
They are now still holding the Lien on my house for {$100000.00}, and are telling me that they wo n't release the lien until I pay them in full ... but after finally speaking to the right person, they say now they 'll take at least 25 % of that loan. Or they tell me to do a short sale. I 've put too much blood sweat and tears into my home, and I 'm not walking away at this point!!!!! Besides CitiMortgage is Triple dipping here!! They wrote this loan off as a bad debt. in XX/XX/XXXX, took in money from the Obama bailout, and now want me to pay for a loan that they should have extinguished in the first place!! I have since offered them {$5000.00} dollars to settle this. They refused and countered back with the 25 %. I ca n't do this! I countered back with $ XXXX to $ XXXX, but have not heard back from them. I would be borrowing this money, because I do n't have this kind of money in the bank. And paying this back will take me forever ... 
I am asking for your help with this matter. I want them to extinguish this loan. I tried very hard to get them to comply with the HAMP Program in XX/XX/XXXX, and they totally messed everything up.
I have been going back and forth with EXPERIAN in reference to some inquires that is listed on my credit report with out my consent. I have a fraud alert placed on my credit report and my phone number is suppose to be on my account for anyone to call me to verify that it was me who applied for credit. I currently have almost 30 inquires that was not authorized by me and EXPERIAN refuses to assist me in this matter. The inquires that are unauthorized are as follows : 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX ( don't even know what this is ) 5.  XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX    XX/XX/XXXX 10. XXXX XX/XX/XXXX I have called the companies and they don't see anything on file becase on these dates I have not applied for anything with these companies on these dates. Please assist me with getting these unauthorized inquires removed from my credit report.
XXXX XXXX {$2100.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXBalanceXXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXX/XX/XXXX DateXXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNote
A bill, which had already been paid in full, was submitted to XXXX. XXXX knows there is not debt.? They have submitted a letter to me that they were submitting a deletion to the credit reporting agencies. That was in XX/XX/2018. This still shows as a collection account on my credit report after more than 4 calls over the last few months.
On XX/XX/2017 I was at Chase bank located at XXXX, XXXX, CA XXXX. I put my Paycheck for XXXX in ATM machine and the machine ate my check, never putting it in my account or giving my a receipt. The machine then turned off and I was unable to retrieve my check. I immediately informed the manager and they advised me I needed to make a claim # XXXX.During the next month and a half they continued to add numerous fees, lie to me on the phone stating the claim was settled. They were incompetent and rude at the XXXX and XXXX. I have lost many hours of work and stressed out trying to resolve this issue. Then once again I filed a claim on XX/XX/2017, claim # XXXX for a returned brand new cellphone. They issued the refund then took it back. So today during the week of XX/XX/XXXX I was advised that they could not find my paycheck from initial claim # XXXX so they took the money back out of my account which had me minus below and then once again numerous fees incurred. I am so unhappy with this customer service. I am occurring fees everyday and they refuse to let me close the account. This is two months later. They said they could not find the check fromthe company that retrieves the checks from the machine. I know that the checks are taken out at least once a week. So thenit was stolen or lost by Chase employee. 
I want my account closed with zero balance! If it is not closed by XX/XX/XXXX I am taking matters higher up to the media. I have family members working at numerous entities whom I already told. 
I have also been so stressed it is causing me to see my XXXX Many times which are all documented. Please help me close this account and resolve this issue before I seek aggressive legal action. I do n't want this hanging over my head any longer. My account # is XXXX. XXXX XXXX thank you
i have a 30yr fixed rate loan with chase home fiance for the longest time i was paying XXXX dollars. then for some reason it became XXXX now i have recevieved my escrow and they have informed me my new payment is XXXX i sighed a 30 year fixed rate why is this happening i can not afford this i am a recent XXXX and on XXXX can someone please help me with this i dont want to lose my home
Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XX/XX/2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XX/XX/2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.
I charged a headset on a Bank of America card that was sold to me as an " open box '' item that was missing a part. I had to make multiple trips to the store and they insisted that I buy the missing part. I did so but it was the wrong part and the store admitted that they did not have the actual part and that I would have to buy a whole new unit. Since I had also bought a warranty that required the store to replace the defective item with a new one I wanted to do a trade ( the normal procedure ). The store refused and I told them I would be disputing the charge.
I disputed the charge but it was not processed in a timely manner. When the store challenged the the dispute I was sent a letter that arrived on XXXX XXXX, 2017 and gave me only until XXXX XXXX, 2017 to respond. I did so by fax but Bank of America refused to process my dispute.
This is a huge problem for my new job my background is showing 3 different name on my credit report XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.. My name should be listed as XXXX XXXX XXXX please delete any other variations of my name. My only address is : XXXX XXXX XXXX XXXX, NC XXXX. Please delete remove any other address they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
I had this problem before. It seems to never end.
We utilize Regions online Bill Pay, and made a payment to M & T Bank on XX/XX/2016 for an RV loan. In XXXX of 2016, Regions put the payment amount of {$670.00} back into our account because M & T bank never cashed the payment. We have not been able to get an answer from M & T Bank as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year. 
We did not get any notice from M & T of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but M & T chose to ignore that, and churned the account with late fees. 
I contacted XXXX about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XXXX. Because M & T did not cash the payment, XXXX  could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to M & T Bank, which I believe M & T Bank ignored. The letter is attached. 
I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months. 
Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.
The following disclosures required to be included in an application for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included in any of the applications for the various Chase loans : interest rate or range of interest rates ; whether the interest rate is fixed or variable ; whether the interest rate may increase after the consummation of the transaction ; whether the interest rate will be higher if the loan is not co-signed or guaranteed ; itemization of fees to obtain the loan ; itemization of late fees ; repayment terms ; cost estimate ; Federal student financial assistance as an alternative to private education loans ; the interest rates for Federal assistance and how to obtain more information about Federal assistance. 
The following disclosures required to be included at the approval stage for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included for any of the various Chase loans : interest rate or range of interest rates ; whether the interest rate is fixed or variable ; whether the interest rate may increase after the consummation of the transaction ; itemization of fees to obtain the loan ; itemization of late fees ; repayment terms ; cost estimate ; Federal student financial assistance as an alternative to private education loans ; the interest rates for Federal assistance ; how to obtain more information about Federal assistance ; consumer 's right to accept the loan until the expiration of the acceptance period and the date upon which the acceptance period expires. 
The following disclosures required to be included at the final disclosure stage for a private educational loan pursuant to 12 U.S.C. 1026.47 ( Truth in Lending, Regulation Z ) were not included for any of the various Chase loans : consumer 's right to cancel until the expiration of the cancellation period and the date the cancellation period expires. 
Additionally, Chase has failed to provide evidence that funds for the academic period from XXXX 2008 to XXXX 2008 were actually disbursed, even though Chase is demanding repayment of same, despite repeated requests.
XXXX XXXX  ( XXXX XXXX XXXX ) recently lowered my limit without my knowledge. As a result of this change, my credit score dropped 5 points. When I contacted them for an explanation they told me that they re-evaluate credit every once in a while and they lowered it due to my score at the time they re-evaluated it. I am currently trying to fix my credit so that I can buy a home. I've only had 1 or 2 minor late payments which were on accident because I lost track of the date. Overall I have been a very good customer. I feel what they did is a catch 22. They lowered my limit because my credit score was low and that in turn just made it even lower. They worsened my situation for no good reason.
EQUIFAX fails to remove the XXXX CARD account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account Credit Limit is {$19000.00} and yet EQUIFAX reports that this account was TRANSFER/SOLD. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the day of first delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
CBNA/SEARS did a hard pull of my credit report two days in XX/XX/XXXX ( XX/XX/XXXX &XX/XX/XXXX ) without my permission. I do have an account with them that is almost paid off, but I did not authorize these recent pulls.
We received a trial modification from XXXX Mortgage in XX/XX/XXXX. We made all XXXX payments to XXXX on time. We received a letter from XXXX stating they were transferring our loan and if we did n't get the final modification before it transferred on XX/XX/XXXX our new investor would be sending it to us. Long Story short it has been since XX/XX/XXXX since we have been dealing with Shellpoint Mortgage and to this date we have not received anything from them except for foreclosure warnings and extra fees etc. from them. When I call they tell me to just ignore the, We have continued to make all our payments to Shellpoint everymonth Since XX/XX/XXXX without any statement etc. from them. I have ALL documentation from the lender including XXXX apology letters from them about this matter. I have asked assistance from the State of CT Banking Commission and a HUD Counselor. They have advised me to file a complaint with you as well. They have written and called Shellpoint for the last several months and the matter is still not resolved. This matter is very lengthy I have all letters going back from XX/XX/XXXX from we were approved for a modification, letter dated XX/XX/XXXX from XXXX regarding the transfer of our Mortgage.
re : my mortgage with XXXX XXXX Mortgage loan no XXXX. re : my previous complain. XXXX XXXX forget to apply one of my payment of the payment plan i have with them to avoid foreclosure. See letter dated XXXX never wrote me or call me to ask me about this missing payment So on XXXX XXXX they said there will be no modification of the loan. then i show them proof they did a mistake and then they approve the modification. see letter dated XXXX. in the meantime they have put me in foreclosure. They said after their mistake i was out of foreclosure. Thankfully my house is sold and mortgage paid off ... but when i tried to rent an apartment last week they refused me as foreclosure was recorded on my credit report.Very embarrassing especially when you did not do anything wrong.
I was denied my loan because there is litigation against the HOA of the property I was purchasing. I had requested a letter to be corrected, as the original letter states it is due to my credit score ( XXXX ) and my finances. My loan agent had all the paperwork and was preapproved for the loan. The f/u letter I received stated they did not have my paperwork to the final person and therfore, my letter does not show that my finances were in order and the denial is due to the HOA litigation. .... US Bank has the paperwork which shows my finances and low debt-to-income ratio, along with my credit rating. They sent me a " standard form letter ''. The reasons for not giving a proper letter are due to US Bank not submitting to their own department in a timely fashion to issue a proper letter I am in need of a proper letter of denial to show for litigation purposes against the agent, seller, and inspector to recoup monies lost.
I noticed my credit report, and its and account inserted   XXXX   XXXX   XXXX   XXXX  ,  i never opened this account. This account does n't belong to me.
Received a voicemail from a woman asking me to call back about a debt, but did n't identify mini Miranda, nor who she was looking for and my outgoing voicemail message does n't identify anyone.
I applied for a different repayment plan when i realized i could lower my monthly payments at the end of last year. When the repayment plan was processed, it was erroneously processed and capitalized interest was not added into the plan, causing an additional amount to show up as " past due '' on my account. In addition, i was not even contacted about the repayment plan being approved until after I called multiple times to check on the plan status and what the new payment would b due and it was not until XX/XX/XXXX that i even received the letter confirming this. I called muliple times and was told my " application was still being processed '' even though it was submitted at the end of XX/XX/XXXX and initally was given an incorrect payment amount via email. 

I have never missed an account payment as I am set up on an auto-pay plan. I filed for an income driven repayment plan because i can not afford the burdensome amount of the standard repayment plan. To then receive multiple notices from the student loan agency saying that my " delinquent '' payment has been reported to credit bureaus, then have to file a credit dispute form, all due to their administrative error is absolutely unfair. I followed all of the steps advised by the student loan agency once they admitted their error. They said that they would retract the negative credit reporting due to their error, but just in case to file a credit dispute form. 

After almost a month of waiting for them to actually process the fact that XXXX was incorrectly charged to me based on their administrative error, I called back and was told this was still processing. I then received a notice that stated the credit dispute request denied. This student loan agency is irresponsible in administering student loan and giving advice to its borrowers and does not have a timely method of resolving disputes that should easily be resolved through their administrative system. 

When i asked for documentation of my calls and requests regarding this matter, I was also told that none of the documentation of their error could be put in writing because they don't send individual letters to people. The only documentation of the information i was provided is through the multiple telephone calls i have made throughout the month of XX/XX/XXXX and beginning of XX/XX/XXXX.
American education services wo n't take my XXXX recertification in which my payment is XXXX A month because I was late to recertify. They are going to default my loan because of two months of interest even though my payment was XXXX when I recertified. If I ca n't afford to pay I payments and just because I was late to recertify should I have to use the little remaining differment that I have left. The same loan servicer already made me use all my forbearance and told me that I was n't eligible for a deferment when the whole time I was in I would n't of been charged interest for that time if I would 've use that instead but since forbearance is the only one you can do over the phone in order to Fix a couple months of interested I should n't even be charged because my payment is still XXXX the whole time on an IBR they want me to send you a bunch of documentation and proof that I 'm on public assistance just so my loan does n't default.
I bought a game boosting service on XX/XX/2018, as I was in a hurry I want to be served on the same day. After I knew that I had to wait for about 1 week I tried to cancel it, but the only way to contact them is online chat and no one replies me by now. I disputed as soon as possible, but when I received the letter asking for more details, it had passed the deadline and I could not do anything about it.