WillisBack/dataset-financial-user-claim huggingface dataset:
After requesting XXXX XXXX XXXX to modify our mortgage through principal reduction, our account was transferred to Bayview Loan Servicing , LLC which advertises that it provides principal reduction alternatives. We applied, submitted all the required supportive information, specifically requesting a principal reduction, and were offered a false modification opportunity that did nothing to reduce the principal. The market value of our home is approximately {$90000.00} less than the current mortgage principal of {$300000.00}. 
We provided county assessments, regional sales of similar properties, insurance values, and hardship and financial documents, all for not. 
We need help getting out of being underwater on our mortgage.
!!! Document the rates you are offered along the way and be sure to check the final rate on your loan!!!! 
During the pre-approval process, I was offered high rates for refinancing my student loan. I added my husband as a cosigner and the pre-approved rates dropped. I selected the 4 % fixed rate for 7 years. I then continued through the process. 
After getting " approved '' I received an email stating that the terms had changed. I logged in and it was not obvious what had changed. I called SoFi and was told that my rate had improved to 5.75 % and that I should just sign. It seems that the lower 4 % rate did not get recorded in the system. I was then told it was higher because they were unable to verify my employment. After verifying my employment, they told me I was never offered the 4 % rate. I am 100 % sure that I was offered this rate. The current rates that SoFi is offering me are barely lower than my current loan, and I would have never proceeded with the process.
Contacted Champion Mortage about closing and payoff for home as of XX/XX/XXXX. I have not received any information from then to this date.We need to sell this house because no longer residing there. Champion Mortage seem to be blowing us off with the final pay off.
Just got paid today, X/XX/2017, so I wasnt worried about my checking account, imagine how I felt when I submitted by debit card for payment only to have it declined. Rushing back to work I went online to check my account status. A payment service connected to a online purchase I made charged me for that service, but also charged my account {$39.00} 17 different times!!!! It probably would have been more, but that and other legitimate charges emptied my account. I immediately called the bank. They advised contacting the company and getting the charges removed. I did that, but customer service was not helpful. They needed to forward my compliant to the billing department, which they could not connect me with directly or give me someone else to speak with. They said Id be contacted with 24 to 48 hours. Im broke. They have my money fraudulently and I have to wait for them to investigate. Spoke with the fraud department at my bank, XXXX XXXX XXXX XXXX. They were not terribly helpful either. They cancelled my card, and inconvenience Ive have to go through just a couple of months ago due to a similar problem, and too, will investigate. My question to them and that Im relating here is why something as clear a case of fraud or just some type of mistake takes two or more days to deal with. I asked the banks fraud rep how this could possibly slip through their security software? 17 identical charges, same amount, same charge description one after another and all Im getting is an apology. I dont know how I going to get back and forth to work in the next few days, because someone stole my money from my bank account and the best they can do is apologize. Banks feel free to add fees upon fees to their customers accounts do to honest mistakes made by the customer. But when the bank fails to protect a customers money, you get sorry, dont know how this happened it shouldnt of happened, sorry Not good enough. Not by a long shot. Where the XXXX is my fee?
This debt was from a mastercard I had years ago that was paid, and it has been past the time they can collect
CPS has harassed me for years by calling my work place and cell phone at least five times a day each ( from about XXXX different phone numbers ). They 've contacted my supervisor, Benefits coordinator, ex husband, parents, friends and even the salesperson who sold me the car regarding payment. They have used threat tactics on my exhusband ( threaten to charge his card if I do n't pay by due date ). They 've taken payment on unauthorized dates, and threatened to pick up my vehicle if I was unable to comply when they wanted me to even though I was proactive and trying to negotiate with them due to a nasty divorce. They have embarrassed me to friends, family and coworkers. I tried to sell my vehicle and settle with them but because I was about XXXX short on the sale price, they did n't go through with it. They were not willing to negotiate but they were willing to bully and intimidate. I opted to voluntarily surrender the vehicle but they picked up my vehicle before I could. They never returned my plates and I never got a chance to obtain my personal belongings from the vehicle. I requested documentation and a full accounting of my account, and to date they have not responded to me but are still reporting to the credit agencies. They are reporting a past due balance and a charge off balance on my reports. Before the they took the vehicle they engaged in illegal harassment practices and I am sure they did the same when taking the vehicle. This company has also loss in a class action suit against them that I was unaware of at the time. My situation is n't an isolated incident, this is how they practice business. I am highly distressed over the negative impact this has had over my life and credit.
Fed Loan did not apply multiple payments sent by me via my bank 's auto pay function. Fed Loan then changed my payment without notifying me. I continued remitting correspondence as well as my payments, and could not understand why my payments were increasing. All correspondence I received was auto generated and never once addressed review of my account as I requested on multiple occasions. On  XXXX   XXXX  , 2017, I fin ally received a letter from Fe d Loan o utlining the payment increased and background information regarding the account. I was never notified over the course o f two y ears that they kept increasing my payment - if I was notified, I would have made the correct payment. This is extremely unfair as now my credit standing has been damaged through no fault of my own. In addition, I disputed multiple components of their letter and sent a response on  XXXX   XXXX  . 2017.
I am currently experiencing payment problems with LoanDepot. This company is servicing my mortgage. I have been using my BillPay service at the credit union to pay the loan since XXXX 2015. Everything was fine until XXXX 2015. Starting with the XXXX payment LoanDepot has been rejecting the payments and sending me notifications in the XXXX Mail that my loan is on the brink of foreclosure. My BillPay service does n't understand what is going on either. They are not getting any information from LoanDepot.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXX/XX/XXXXAmerican Express GoldDeceased Account Resolution TeamXXXXfax : XXXXphone : XXXXRe : Notification of Death - XXXX XXXX XXXXDear American Express : This letter is written to request after monthly phone calls since XX/XX/XXXX have failed to advance my request, please convert my husbands account back into his name. 

My husband died on XX/XX/XXXX, minutes before midnight, in essence XXXX. Less than 48-hours following XXXX death I was contacted by American Express and the representative asked for XXXX, his payment that month was late. 
I notified the representative of XXXX death. 
Let me be clear, I was under extreme duress and not represented by council. I was made to feel I was obligated to take over this account by XXXX-specific issues. 
I asked the representative on that day these questions? 

1 ) " Did I apply for this line of credit? I explained that I was an authorized user and I had no memory of applying for this line of credit. the representative placed me on a brief hold, when she returned to the phone she stated : " You both applied for the credit card. " 2 ) " Am I responsible for this credit card? I thought I was an authorized user only? '' The representative replied " yes. " Deceased 's Full Name : XXXX XXXX XXXXAddress : XXXX XXXX XXXX, XXXX XXXX, XXXXSocial Security Number : XXXXDate of Birth : XX/XX/XXXXAccount Number : XXXXTo be clear, I have met with Legal Council since in my opinion you are posturing in a manor which demonstrates you are impeding progress. Since inaction is your only action, I am notifying you may sue the estate of your relative or a person legally responsible to pay the debt. However, I have no obligation to pay debts I do not owe. 

Please contact me by email XXXXXXXXXXXX about any questions regarding this account. 


Sincerely, XXXX XXXX XXXX
Canceled a Renters Insurance Policy 6 years ago, but apparently it did n't get cancelled, and was continued to be billed through payroll deduction that went un-noticed. Company changed something so the payroll deduction stopped. Policy was sent to collections due to non-payment. Debt collection company, Caine & Weiner, started to contact me through letters and calls claiming I owe {$71.00}. In XXXX I contacted original XXXX XXXX, the original policy holder, explained the situation, received around {$1000.00} as a refund for the overbilling of the account and was assured that the collection attempts would stop. I then disputed the claim with Caine & Weiner through an email address they provided because their representative claims that disputes can not be made over the phone. I believed matter was concluded but then Caine & Weiner resumed trying to collect a debt not owed in the middle of XXXX. Also, instead of calling my phone number like they had no problem doing so month ago, they are now calling my family members to contact me. I have reached out to XXXX XXXX and have been sent confirmation of not owing any money.
I sent a letter via certified mail to EOS requesting that the validate the debt. The letter was signed on XX/XX/XXXX. EOS sent me a settlement offer. I sent out a second request and disputed with XXXX XXXX XXXX. They are reporting as verified and meets the FCRA with no actual proof that it has been verified.
I have called to bring my account current and lower my monthly payment to something I can afford and spend an hour for them to tell me that they ca n't qualify me for a program because my dept to ratio income.
I have a very old auto loan from SANTANDER CONSUMER U. They reported my last payment as XXXX 2015 to the credit bureaus I have n't made a payment or heard of this loan in many years. This is false information, originally ( years back ) when i signed for the loan I was quoted a XXXX monthly payment. When my first statement arrived the monthly amount was over {$600.00}. I attempted to fight this with Santander but it lead no where. This was before an agency like the CFPB was around. I attempted to pay the {$600.00} since the dealership could n't take the car back and was not able to keep up with payments after a period of time.
Hello- my wife and I recently discovered we were the subject of the same aggressive sales tactics utilized b y Wells Fargo that has b een widely covered in the press. We did have  XXXX  legitimate credit card with  Wells Fargo a nd believe they used our information from that card to open other accounts without our approval.      In 2013, without our approval, Wells Fargo opened and closed a credit card within 8 days, opened a savings account, checking account, and a Health Savings Account. We were sent bogus consumer applications of opening both the savings and checking account, with the signature areas blacked out. We were sent a debit card for the HSA. Our credit report includes the 8 day credit card.      We cal led Wells Fargo to  track down these accounts and they claim there is no record of any. For the HSA, they assured us it was transferred to  XXXX   XXXX , though  XXXX  has no record. We have the documentation, name of institution, banker, etc.     We can not reasonably estimate the fees we incurred as a result of these accounts, and given that Wells Fargo claims there is no history of these accounts, we are reaching out to you in hopes of assistance. Thanks you.
As per your request iam seeking to complain for same reason to equafaix, they have rong information on my report tats adverse to my record ... as with trans union. please add these to my complaint..it involves a judgement removed.. as much te XXXX and both XXXX bills and the credit card .... we wish, these adjusted and removed .... the XXXX card in fact, we ask credit collectoras stated to send proof, it beyond statu of limitation, but was n't as we stated not mine. they sent doc belonging to unknown party, who was a plumber? Ive been in XXXX XXXX since 2004, never was plumber ... .or have employees or plumbers ... .. thank you .please refer to original complaint,. XXXX XXXX
Wednesday, XXXX This morning I called to speak with someone about 'why my credit limit was decreased. ' Initially I spoke with XXXX. I told him that my credit limit was decreased an I told him that, 'I did not understand because my relationship with them has been in Good Standing, and current. ' He said, " we sent you a letter explaining why, '' I told him, " I never received a letter, please explain. '' He asked if I would hold while he retrieved the letter. Once found he read the main portions of the letter. It said that 'every 6-months, XXXX XXXX ( TJ Max Rewards Card carrier ), does a Credit Review of a Consumer 's entire credit bureau, ' and they determine consumers credit worthiness by this. 

I told him that 'this is extremely unfair and absurd, and that my NON XXXX XXXX  business has not been a part of my 'direct, and good relationship with them, and my bureaus have not affected my account whatsoever. ' I asked XXXX to speak with his manager. Shortly afterwards XXXX/ Account Manager got on the line. I asked XXXX directly, " are you saying that my complete Credit Bureaus determine my relationship with your company, regardless of my good-standing account and relationship, and my income being increased '' she said, " No, we determine this. '' My response to her was, " this does not make any sense, if my complete Credit Bureau does not hold any determination merit in terms of my account relationship & credit limit with you, why did you decrease my credit limit? '' She could not explain this. Our call then ended. 

Their practice is EXTREMELY UNFAIR. If every company did this, those with imperfect credit who are trying to rebuild themselves 'one company at a time, this practice would make it IMPOSSIBLE to re-establish yourself, because ALL of your good credit relationships, would penalize you for the entire breadth of your bureaus, irregardless of your good standing with their company. Again, 'this UNFAIR BUSINESS PRACTICE, makes NO SENSE. ' Of the 145.5 million Americans whose credit information was gravely compromised by the Epic XXXX Hacking Debacle under the leadership of XXXX XXXX XXXX, CEO ( XXXX ), no one knows the exact negative impact on the Consumers who were gravely affected. In addition to Syncrony 's Unfair Business Practices ( SUBP ), 'could my bureau be negatively affected because of this, and  this was the reason that my credit was decreased? 

To treat consumers this way is HORRIBLE, and I look forward to a massive XXXX, via all of their stores, BOYCOTT, and their Unfair Business Practices going viral.

CFPB, 'my writing in all caps is NOT intended towards you, I'm just extremely angry how I've been treated by XXXX, and my feelings are only directly towards them. ' CFPB, 'I really appreciate you and the work that you do ... ' Your department is one of the 'few in our country, that truly represent the original old-school business standards and acumen. ' Sincerely Grateful ...
We received a loan modification from TD. We complied with all the payments. 
completed XXXX trial payments $ XXXXCash contribution of $ XXXXXX/XX/2014 modification began $ XXXXXX/XX/XXXX notice of new payment $ XXXXSince receiving that letter we have called and emailed out representative. No responseCalled TD bank XXXX times a week on phone for hours being transferred around. No one knows what 's going on and they say a supervisor will call back. They never do. 
What do we do? Nowhere in agreement says this is going to happen.
My information was stolen during a burglary in XX/XX/2016 at my home, while I was overseas as a student. As a result my information was fraudulently used to open a number of accounts. This has caused a significant amount of stress as these accounts are reporting to my credit.
B ank of America  is using  XXXX  for extortion, and on a frivolous debt that has not been validated, this has caused me SEVERE DAMAGES!! as i am currently in litigation with  XXXX   [   XXXX   XXXX  & gt ; agent ] for their reckless malicious criminal activity of blocking me from banking activity for at l east 2 1/2 years, preventing me from havin g a stock broker  account, costing me hundreds of thousands in lost profits, preventing me from selling a   XXXX   or two   o n  XXXX , preventing me from selling my   XXXX   online, preventing me from selling on an online auction website, and making my life miserable and causing me suffering of poverty  XXXX  Bank  of America  unlawfully breached my information to   XXXX   and this is a   XXXX   discrace, now there s 2  investigators names   XXXX   XXXX  i, and  XXXX   XXXX  & gt ; [ of which are liable in their private capacity unless they produce their bond or liability  carrier ], adding to the damages by committing crimes of 18 USC 241,   conspiracy against rights and using fictitious names and still can not produce VALIDATION OF ALLEGED DEBT or A VALID CURRENT CONTRACT!!! I h ave 2 statements from 2 bank s stating  XXXX  is making a bad report, and i will find the letters soon, Bank  of America told me 1 1/2 year ago they were using  XXXX  to report on this FRIVOLOUS DEBT , plus its right in their response letter they will use  XXXX  as a threat to me, heres just a few profits i lost, if i had  XXXX  $ to invest o n one stock did 1600 % in one da y i could have made  XXXX  $ and thats just one investment out of many i was prevented from investing because i was blocked from banking, Becaus e of Bank of America and their CRIMINAL EXTORTION RAQUETEERING FRIENDS!!!!! THESE ARE MISCREANT S!!!     XXXX   XXXX   NO GOOD SLIMEBAGS, I CAN SAY ANYTHING I WANT WHEN THERES PEOPLE WRECKING MY LIFE VIOLATING THE LAW AND MY RIGHTS!!! ROTTON  XXXX !!!       1.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 1,672 % GAINS!   2.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 348 % GAINS!    XXXX .  XXXX  :  Alert  at  XXXX . Hit highs of  XXXX  for up to 364 % GAINS!    4.   XXXX  :  Alert  at  XXXX . Hit highs of  XXXX  for up to 392 % TOTAL GAINS!    5.   XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 1,067 % GAINS!   6  XXXX   XXXX   : Alert at  XXXX . Hit highs of  XXXX  for up to 1,014 % GAINS!   7.  XXXX  : Alert at  XXXX . Hit highs of  XXXX  for up to 618 % GAINS!
XXXX  representative knowingly lied during a verbal agreement on a recorded phone call. In an attempt to settle this debt I calle d Diversified Consultants t o setup payment arrangements.   The  DCI re p was  XXXX   XXXX . I told  XXXX   XXXX  that I am currently not working, but that I could set up a automatic payment plan of {$20.00} a month to resolve it. Before I gave  XXXX   XXXX  my credit card information I specifically asked him if the account was being sent to the credit reporting agencies.  XXXX   XXXX  stated that as long as I did not default on my payment arrangement, it would not be reported.  2 payments ( 2 months ) into my payment plan I was alerted by my credit monitoring service that DCI  had reported the  XXXX   XXXX   XXXX  account as a unpaid debt. I contacted  XXXX   XXXX  at  DCI t oday to try and resolve the issue, and he stated that he remembered our conversation from 2 months ago in great detail and that he did not say that my account was not going to be reported.  DCI  is refusing to remove the account from the credit reporting agencies, even though the account is paid off.  DCI als o refuses to release/play/share the recorded phone conversation that includes the verbal agreement.
XXXX XXXX XXXX has been reporting a {$2000.00} collection account on my credit report. I have never had any business with XXXX XXXX. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation, which I know to be a lie. I have disputed this transaction several times on my credit report through XXXX. It was removed once and then the company reported it again. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent XXXX XXXX requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from XXXX XXXX. I do n't even know which company this alleged debt originated with. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with XXXX XXXX.
Trans union failed to take off fraudulent credit inquiries done by identity theft fraud. I reported to them that companies XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. Are reporting on my credit report. These inquiries was not done by me. I did report this and they are take to long to delete these inquiries
Solomon & Solomon PC XXXX XXXX XXXX XXXX NY XXXX Tel : XXXX Alleged Balance Owed : {$460.00} Original Creditor : XXXX XXXX XXXX
I have a legal item showing on my credit report for {$3800.00}. This was from Capital One. I was not allowed to make minimal payments during a financial hard ship I was in due to particular medical issues and money. I was trying to work to keep this item paid the best I could at the time. They wanted me to put a huge " down payment '' in order to lock in and secure a settlement amount. I was not able to do that. I had no one to borrow money from and cause if this account on my credit I could n't do a balance transfer like they suggested. This item was place in my credit as a lien item ( ref # XXXX ). I have tried to work with them to get this matter resolved and was asking the best attempt to pay this with payments of {$50.00} which they told me I HAD to set up with auto payments. They did not allow. Me to make payments on this as a settlement amount, which I feel is unfair and a lie. I have heard other people are able to do so and have done so. They told me the lowest settlement amount was like 60 % of the total debt. I feel that was an unfair statement and a lie. The debt was places with a so called attorney office but they were very rude and harassed me about this bill continuously with threatening tactics. I made a complaint to capital one and it was supposed to be sent back to original creditor, capital one, they told me I would receive a settlement offer in the mail, but never have. I am tired of the stress and hassle to try to pay this dept. I have had many unexpected medical bills come up. I think it is wrong when companies take advantage of consumer because we do n't know the proper wording to use to get them to be honest with us. It is unfair that one can pay 30 % of a debt that is owed and make payments toward that but they refuse to allow me to and say that 's not possible. That is unfair and deceptive and against the law.