WillisBack/dataset-financial-user-claim huggingface dataset:
In early of XX/XX/XXXX I started a modification of my mortgage. I had paid my mortgage every month but not on the first of the month. I was not 30 days late. I continued to make my payment and in XX/XX/XXXX I started to make my payment on the XX/XX/XXXXaf the month, gor the month of XX/XX/XXXX. I was told at that time that my modification was accepted and I was in the trial period. I still tried to make my XX/XX/XXXX payment but the lady wouldn't accept it. She said because of the modification she couldn't take it and that it would mess up the modification. 
At that point I asked her if this would mess up my credit would I be reported late. She said no it would not be reported late because I was now in the modification. We discussed other things then I turned around and a satirist second time are you sure this is not going to affect my credit negatively. She again said no this was a recorded conversation. 

Later when I looked at my credit report a couple months later I had indeed been marked late for 30 days and then consecutively after that I had been marked late. I had paid my modification on time I am now in the set modification. I have not missed a payment I've paid it on time they still will not correct this. I called and talked to customer service they went back and listened to the tape and they said you did ask twice and she said twice it would not hurt your credit. they said that they would try and call the credit reporting department and put in a complaint to get this taken care of and I would be notified. Twice I've tried to take care of this problem with them and twice they refuse to report correctly. I am taking it to you guys hoping that they will correct it I am going to have to get a lawyer if can't do anything. 

Since all this has happened my modification is not being reported. They haven't reported that my loan amount was lowered my payment was lowered they have not reported that I've been on time. It seems like they are doing anything they can to destroy my credit. I was never late on my mortgage and I would have probably not went through the modification if I knew it was going to destroy my credit like this. It saved me {$300.00} but I can't get a new car or it's going to cost me another XXXX. My  insurance has went up on my house and my car. So they really haven't saved me any money. 

the recording on the phone call happened XX/XX/XXXX or XX/XX/XXXX and then I spoke to somebody I believe again in XX/XX/XXXX. The phone call in XX/XX/XXXX agreed that they had told me wrong and it was their fault. But the credit reporting department is refusing to do anything about it. If you could get the recording from those days you will see exactly what I was being told. I want all lates removed off of my credit report, all bureaus. I want my payment on the credit report to show correctly reflecting the modified rate and I want the amount that I still owe to show correct modified amount. 
I also think that there should be fines to this bank for reporting incorrectly on purpose after being notified and listening to the recordings. 
Thank you, XXXX XXXX
Someone stole my personal information and identity to open an account with XXXX XXXX. The account is an unauthorized and fraudulent account with Affiliated Credit Services. I have never applied for an account with XXXX XXXX. I have been receiving harassing, threatening and death threats telephone calls from Affiliated Credit Services in regards to a debt of {$240.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.
In XXXX of 2007, my name was listed second on a finance contract with XXXX to allow my former spouse to purchase her vehicle under the XXXX EMPLOYEE program. After numerous late payments by HER, the vehicle was sold for more than the balance with XXXX and SHE received the proceeds from XXXX.Again, I made none of the late payments, there was no " repossession '' from me, and I did not receive any of the money from the sale of the vehicle unlike my former wife. Despite my repeated requests to delete this account from my file, EXPERIAN refuses to do so.
I have a mortgage  with BB & T ba nk. About a year ago I had a  XXXX   XXXX  and then was terminated from my employer due to my health. We ran into financial issues. We never missed a payment on our mortgage, although we were late at times. In  XXXX  of  XXXX , the bank locked our online account so we could not make the normal payment. We had to call in. In  XXXX , again they locked our account. We paid yet again over the phone. At this time we were caught up and current. We were also paying the late fees anytime we paid late. We received a past due statement saying we were behind almost {$3000.00}. In  XXXX , I made a phone call informing them my company had messed up my payroll and I did n't get paid when I was supposed to. I explained I could pay {$1000.00} today, an additional {$1500.00} on the  XXXX . I also informed them I would be able to pay {$2000.00}  XXXX   XXXX ,  XXXX  and {$2500.00} on  XXXX   XXXX .  XXXX   XXXX  another {$1000.00}. I had second guessed myself thinking I might be behind. These amounts would have had me totally caught with some extra to fall back on for late fees. They denied all of this. I called twice with this offer and both times I was denied. I received a letter on  XXXX   XXXX , post dated from  XXXX   XXXX , stating we were officially in foreclosure. They never informed us of this, even asked and was always told no. I reached out to my realtor and she began helping u s. BB & T bas ically refused to help us. She was trying to sell the house in a short sale or outright but the bank refused every offer and attempt at a resolution.  XXXX   XXXX  was the foreclosure sale date. I called the legal department the night before to try and stop this. I received a call the following day from a gentleman from the bank saying he had stopped the sale, he would be evaluating the process and it would just start over. Again, we tried working with them. To no avail. Again, they denied everything. They came up with off the wall amounts and reasons why they kept denying our hardship and loss mitigation. Their main reason, non owner occupied. That is false, me and my family still reside in this home. I filed a complaint with the Missouri State Attorney General 's office. I received a response the bank sent the attorney general in the form of an  XXXX  page packet. This packet included all 6 years of payment history and call notes. This packet proved consistent payments as well as the refusal of the {$5000.00}. They also included documents that were n't even ours. I received another foreclosure date of  XXXX   XXXX . I have no idea why this bank took my money but did not post those payments to my loan. I am now currently 5 months behind because they refused payments due to the foreclosure. I do n't want to lose my house. I need help getting this bank to stop trying to take my home. This never should have happened.
On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my Experian report that is not the address stated on my license.
I opened an account with Coinbase, a US-based financial services company specializing in crypto currency. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I traded in virtual currency. They arbitrarily froze my account, would not explain why ( I read the customer agreement meticulously and ca n't understand why ), and now will not allow me to withdraw my money. I have contacted their customer service department at least a dozen times, and they will not do anything except sequester my funds, which are stuck in limbo due to this account closure.
In XX/XX/2014 XXXX evicted me from my low-income, subsidized unit -- the eviction was murky, and the reasons ultimately given, which I have in writing, was " other than non-payment of rent -- behavioral concerns. '' Still might seek legal action against this shady landlord ... 

XXXX thing they did was send me a bill for expenses that are by all rental laws I 'm aware of THEIR RESPONSIBILITY -- they own and manage the unit, and whatever they have to do to prepare it for the next tenant is their expense. Instead, they billed me, then, when I did n't pay them, immediate sold the bill to the first gullible collections agency ( not that I care for collections agencies, either, lol ) they could find. I 've tried disputing the bill, and have gotten no answer. Please help me resolve this.
I have previously disputed address with Experian and it seems to never really come off. I am once again disputing address information which is and has not belonged to me. These following address 's please remove them from my credit report:XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, I have attached a letter of deletion from Debt Recovery service which I have previously sent to Experian and yet the collection entry still exist on my credit report with them. Please remove the collection entry and the XXXX address that I have previously asked you to remove from my credit report. I have attached the deletion letter, Experian credit report with the deleted items that needs to be removed circled. I have also filed a police report with the XXXX Police Department for ID Fraud and I have also attached that to this dispute. It is apparent that there is someone using my name and social security number.
I had my loan with XXXX and then XXXX XXXX XXXX. We paid a large sum of money in Modification trial payments. The proofs of payments have been submitted in CFPB complaint # XXXX. This complaint is about the new Servicer Shellpoint Mortgage.
XXXX XXXX BY COAMERICA BANK ACCEPTED XXXX EVERY MONTH ON THE XXXX, IN XX/XX/XXXX-XX/XX/XXXX WAS VIOLATED BY THEFT AND ID THEFT ON THIS ACCOUNT.
I HAD NOTICED A CHARGE ON MY CAPITAL ONE ACCOUNT OF XXXX IN XX/XX/XXXX. CONTACTED THE COMPANY AND THEY HAD TAKEN THE CHARGE AWAY. I HAD FAXED PROOF TO THEM THAT THEY CHARGE IS DIFFENTLY FRAUD. I HAD FAXED THEM A COPY OF THE COMPANY THE CHARGE WAS FROM. 
CAPITAL ONE HAD PUT THE CHARGE BACK ON MY ACCOUNT ON XX/XX/XXXX. I HAD CALLED THEM AND THEY REFUSE TO TAKE THE CHARGE OFF. I HAD REFAXED THEM THE PROOF ON XX/XX/XXXX. WITH A LETTER. I HAD CALLED THEM ON XX/XX/XXXX. AGAIN, THEY WILL NOT TAKE OFF THE CHARGE BECAUSE THEY SAID THAT IT IS MY CHARGE EVEN THOUGH I HAD FAXED THEM PROOF TWICE THAT IT IS NOT MINE. I was contacted to XXXX which is my fraud agent and she was not available. I was unable to leave a message due to her mailbox was full.
Working on an FHA short sale with Ditech - Ditech has a complete package yet has failed to process the short sale request. XXXX is the short sale negotiator and XXXX XXXX is his supervisor.
In XXXX 2016, a check was sent to Lend Up ( dba Flurish , Inc. ) to pay off my installment loan taken out in XXXX 2016. The check was for approx {$300.00} more than was owed. Since then, I 've waited patiently for the refund of the overpayment. I have emailed their help desk and received canned responses with no concrete info given on the whereabouts of my refund. I 've also called twice and spoke to a manager who said within the next week, I 'd be receiving an email asking to have my address confirmed so they can make a check within the next 60 days. No email was ever received. That was 3 weeks ago.
I am presently on XXXX and stationed at XXXX XXXX XXXX. In XX/XX/XXXX I came under XXXX to the state of XXXX. I then notified my apartment my non renewal of lease due for XX/XX/XXXX. I also call XXXX ( XXXX ) for cancellation of my utility, as i was moving my family from the state of XXXX to XXXX. Months later I began to receive collection letters, and harassing phone call from Virtuoso Sourcing group. A collection company based out from XXXX Colorado. 
I in turn reached back to both XXXX and XXXX and turned in all backing documents to show fraudulent billing. I sent them my hotel bills showing me and my family stay pending the readiness of my lease. I also sent them my XXXX on reporting date to XXXX. All this have been proved abortive and I am still been harassed everyday. The worst situation I am confronted with is their constant negative report on my credit. I am confronted with a situation of fraudulent billing and destruction of my credit worthiness.
Four months ago, Escallate Collections and I made an agreement to pay $ 30 monthly. And I have already paid {$130.00}. So, I wonder why this statement is still there. 
Thanks you.
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 20 plus inquiries on my credit report. In which I didn't give anyone permission to pull my credit report. I need XXXX, XXXX, and Transunion to invesitgate with each company. To make sure they have a sign document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report.
On XXXX XXXX 2016 I received a alert regarding that my score went down. When I checked there was a Hard Inquiry done on my Credit Score done by XXXX which I have n't authorized either requested any product from this company. Also this hard inquiry took my score XXXX points down. I request to revise it since this inquiry was not requested or authorized and restore my score. Also I have to mention that Transunion still has not removed old closed accounts from my Score.
On XX/XX/2018 a collection account was added to my report by an company known as XXXX XXXX XXXX, a company in which I do not owe. I have disputed this misrepresented account from the orginal creditor to no prevail. I have requested many of times original documentation from this company and credit agencies alike ; without receiving anything to satisfy my position. According to the FCRA law, if the creditor can not provide documentation then the account shall be removed.
On XX/XX/XXXX, a credit in amount of {$170.00} was issued back to my bank by a vendor for a purchase return. I presented written proof of this credit from the vendor to my Visa card on 5 separate visits to Wells Fargo Bank, XXXX, KS. A Wells Fargo loan officer did several 2 hour searches for the credit and claimed it was never made. I showed written proof of the return credit to my account from the vendor, XXXX XXXX XXXX, XXXX, IL to the bank on each visit. Wells Fargo has not provided me with written proof showing the credit was received or returned to the vendor. The credit was issued to Visa Debit Card NO : XXXX XXXX XXXX XXXX, exp XX/XX/XXXX. 
I have spent several hours on the phone both with the vendor and Wells Fargo Bank in addition to my 5 visits to the bank all to no avail -- the bank still has my money and is refusing to cooperate with me or credit the money back to my account. 
I have 5 letters from Wells Fargo Bank in reference to their claim NO : XXXX Two of the bank officers involved in this dispute are Mr. XXXX XXXX and Mr. XXXX XXXX, Wells Fargo, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX, phone XXXX.
Upon being denied from a lender for " too many inquiries '' from TransUnion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my  XXXX ,   XXXX   and TransUnion that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX
I am getting calls everyday. I ca n't access my account online, the customer sevicers are rude. My payments do not show on he statements I am given and since I can not login to my account they have made it very difficult for me to keep track of my payments and charge me without explanation.
Our servicer, Select Portfolio Servicing in Utah, has requested require documents in order to negotiate a loan modification with the borrower. The borrower had received a completion notice from XXXX in XX/XX/XXXX, saying within one month, the examination will be notified to the borrower. The notification to this effect has never been received thus far, whereas Required Information Notice has been numerously received by the borrower. SPS has been repeatedly extending the expiration date for submission of Required Information, and the latest notification said the date has been set for XX/XX/XXXX. However, the borrower has recently been receiving numerous solicitation letters from attorneys at law and other private companies that are offering legal assistance regarding violation of " Dual Tracking '' and " Single Point of Contact '' because they insisted public notice has it that non-judicial trust sale date has been set for XX/XX/XXXX. The borrower has not received the Notice of Sale from Select portfolio servicing yet XXXX has listed the property to be auctioned off on XX/XX/XXXX. XXXX XXXX, Consumer Ombudsman Specialist at SPS wrote to the borrower with its carbon copy of XX/XX/XXXX addressed to CALIFORNIA ATTORNEY GENERAL 'S OFFICE, saying " Please keep in mind that each time documents are received an Acknowledgement Letter will be sent out. Once the processor has reviewed the documents another letter will be mailed out advising of documents that are needed or advising that we have a complete packet. '' See the last paragraph of the XXXX page of the said letter by XXXX XXXX as per attached hereto. Since XX/XX/XXXX, the borrower has submitted information numerously all along, but the said Acknowledgement Letter has never been received. The borrower has received Required Information Notices with pre-printed boilerplate letters containing all-encompassing documents. The borrower has never been able to speak to the so-called XXXX relationship managers, XXXX XXXX, and XXXX XXXX, as a single point of contact, but more than a XXXX different people from SPS called the borrower, asking redundantly for already-submitted documents and information. The borrower finally gave up on talking to them on the phone and SPS notified the borrower stating they will terminate any verbal communication with borrower yet SPS calls numerous times without leaving voice mail.
I did a claim for unauthorized transactions made with my card the one that was lost or stolen and due to negligence of the bank an unauthorized person use more than 2,000 dollars, I tried to report the card lost by the automatic system and wasnt allowed I tried do speak with an live agent and they was close I make a first complaint with the consumer financial protection bureau and the company lies to the consumer financial statin I nwanna ver tried to report the card lost and that they will do an investigation and give results by todays dateXX/XX/XXXX2018 ... todays date I called to custumer service dispute department and they said they dont have any update in my dispute ... i feel like this bank is taking unlawful retailiation against me because the first complaint I make to the bank, I havent receive even a temporary credit on my account and here I send the response this bank sent to consumer financial first time
I am sick and tired of XXXX  XXXX running rough shod over existing laws for disclosures. They are steering people ( quite illegally ) to their product, instead of truly representing their client and making sure they have choices. There is no disclosure of rate, APR and other required terms in this advertisement and that's just the tip of the iceberg when it comes to what Keller is trying to do. I will not rest until this is addressed and addressed publicly with force!!!
I applied for the Citi Simplicity card with 0 % interest for 21 months as I needed a new roof. I was sent a credit card and XXXX checks with a credit line of {$18000.00}. My roofer does not accept credit cards so I called Citi and was told by agent that I could write out the check to myself and deposit into my checking account, then pay the roofer in installments as I wish or do whatever I wanted with the money. I find out after I took their advice and deposited into my checking account the check bounced back. Their explanation was I did not leave enough room in the check for the transfer balance fee of {$540.00}. I had no idea that after following their instructions I was making a balance transfer. In essence I was making a deposit in my checking account, not transferring money from XXXX place to another. Representative insisted that was a balance transfer. I feel that was misguided and I was given wrong information on what to do with the check. I realize there are transfer fees when maybe transferring a credit card bill or other expense to another card, but I did not do that. I simply made a deposit as instructed. Now my bank account has a negative balance and I can not use my account on a holiday weekend until the bank gets back the check and releases my funds. My complaint is that nowhere on the check did it say this check was a balance transfer, in the paperwork it stated fees applied if I used this credit line as a balance transfer. I now find out from Citi that whether I use the check or the card thee is a balance transfer fee. Therefore false advertising of XXXX % for XXXX months is a mere smokescreen as to we charge you in other ways. More importantly, I followed the advice of the representative of Citi named XXXX who guided me to deposit the check and pay contractors with my own checks. I feel I am wrongly charged the {$540.00}, and I dispute that charge on the grounds of unclear wording and misguided advice. Also to misleading the consumer and leaving out XXXX important warning that if I did deposit it into my own checking account there would be a fee. I would never have done that had I known! I am asking for your guidance in this matter and I would like the public to know to be careful when using this service from Citi Bank without finding out what hidden fees XXXX apply, or any fees for that matter. I am a widow on a limited income, which is why I applied for this so I could stretch the payments over XXXX months. Unfortunately it was raining inside my house so I was forced to get a new roof, I totally could not afford XXXX.