WillisBack/dataset-financial-user-claim huggingface dataset:
I have an FHA loan with M & T Bank that my husband and I used to purchase our home in XXXX. We paid as agreed for 5 years until my husband suddenly passed away in XXXX. He was the sole breadwinner in our home, and I am in dire straits as M & T Bank is moving to foreclose on me. My daughter lives in the home with me along with XXXX granddaughters and she does contribute towards the bills, but not enough that I am able to keep up with the mortgage payment. I have applied for XXXX and survivor benefits and have a hearing coming up soon, but will not receive any benefits until AFTER the hearing. I have tried to explain this to M & T but they have been very heartless. Their agents have called me wondering where the payment is, and threatening me with foreclosure and eviction. I then applied for help through the government FHA programs but M & T has not willing to work with me or consider me for any options. 

I have been told that M & T should be offering some type of " grievance forbearance '' due to the death in the family, where no payments are due for a few months in order to get my family affairs in order. However, M & T has not offered this option. I also know there are other types of programs including modification, partial claim and special forbearance, or even " suspended payments '' that could assist me during this difficult time. Once again, M & T Bank has not been willing to give me any help or any consideration for assistance. I assure you, once I have the XXXX hearing and benefits are awarded I will be able to resume making payments. I ca n't believe that M & T is moving so aggressively to foreclose on me instead of giving me a grace period or some consideration for my situation. I ca n't believe that this is allowed. I am sure this situation has happened before, I know they need to get paid on their loan but would expect some consideration and a fair negotiation.
I was a XXXX customer from XX/XX/XXXX until XX/XX/XXXX. I then cancelled my services, paid my final bill, and returned all equipment. I initially found a collection account on my credit report in XX/XX/XXXX from XXXX, but being billed under XXXX XXXX, in the amount of {$360.00}. I immediately disputed the charges and it was confirmed as inaccurate and removed from my credit report on XX/XX/XXXX. The collection popped up on my credit report again under XXXX XXXX XXXX ( for XXXX ) in XX/XX/XXXX. I immediately disputed it again and once again it was found inaccurate and removed from my credit report. Then the same thing happened once again in XX/XX/XXXX and I have been fighting it ever since. I have been dealing with XXXX and Convergent ( the new creditor/collection agency ) and no one has been able to provide any proof that this debt it legitimate but refuses to remove it from my report. I asked for a copy of the supposed bill and received a copy of a bill that was for a billing cycle 2 months after my cancellation of services. None of the numbers match up and no one is willing to help me. I have attached a copy of the evidence they sent, it doesn't make any sense at all.
back when it was inbehind I owm monet I caught it up so they still say iwas behind
I am a victim of identity theft committed by XXXX XXXX XXXX, who used my social security number to obtain credit and employment. I submitted a police report and this criminal was subsequently arrested. However, I continue to receive nonstop phone calls from debt collectors for her debt. The most recent offender is National Enterprise Systems, which calls me numerous times per day.
South University failed to communicate with me about a debt that I owed. When I was in school they notified me that I did not have financial aid, when I was in the second week of the school term. Instead of offering more loan services, I had to drop classes or incur more debt. They never sent me an original bill at my address and I had a XXXX balance at this institution. I am being contacted by XXXX XXXX XXXX, a debt collector, collecting {$1000.00}. I do n't think this debt is valid. I asked him to validate the debt for me and he could not.
XXXX XXXX XXXX, located in XXXX, Texas, mistakenly sent my name over to ProCollect in error as part of a new XXXX training.
Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from transition When I got my score in XXXX it was XXXX in XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them XXXX XXXX.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called XXXX who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling XXXX again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Transunion and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a 0 balance '' and was told by the billing department that I had a 0 balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX
I purchased my brother 's XXXX interest in my residence. Unfortunately, a document, The Real Property Transfer Tax Return was filed late by Title Source XXXX XXXX XXXX XXXX, MI XXXX, titlesource.com with the XXXX Department of Finance. I have been fined for this late filing {$110.00}. The transfer date was XXXX XXXX, 2016. The form was filed with XXXX Department of Finance on XXXX XXXX, 2016. I would like to be reimbursed for the {$110.00} which I had to pay.
I applied for a loan modification with Ocwen Mortgage in XXXX 2016. I am asked almost on the weekly basis to provide information I have already provided. When I submit the missing documentation, I am told my modification is in review and with the next couple of days when I call I am told that either the same or different forms are missing to the point that my application expired and I have had to resubmit application again. I have only spoken with the relationship manager assigned to me once. Although they say notes are taken, the next person is never aware of previous contacts issues. I do not understand this. We are now in XXXX and this issue is ongoing. Please help me. Thank you in advance.
I subscribed to XXXX for several years in my XXXX XXXX, XXXX, rented townhouse. In XX/XX/XXXX I decided to move my home/office on XXXX XXXX of the same year. For XXXX months I asked XXXX multiple times for a way to return their receiver to them when I left but received no response except I would need it when I found a new place to live. I had much to do and no time to argue. I left the satellite dish on top of the unit and returned the t.v. and telephone modem to XXXX, but XXXX XXXX had still not revealed where their receiver could be sent, though the account was closed. So I put it in the back of my car. XXXX months later ( the time limit to re-attach the receiver was over ( XXXX XXXX ) and I still had no fixed address. In XX/XX/XXXX I tossed the receiver in a garbage can in XXXX, XXXX as I headed northeast again. Someone found it and returned it to XXXX for shortly thereafter I started getting e-mails from them about a balance owing, but by the time I 'd moved into a long-term rental they had already decided I owed them {$480.00} for a non-account and reported it as unpaid and overdue to XXXX in XXXX, XXXX. This is now on my TransUnion credit report.
The account agreement with XXXX by Goldman Sachs states that wire transfers will be considered same day if received by XXXX XXXX CT ( XXXX XXXX XXXX   ) page 19 bullet 3. 

This is also repeated on the website " Wire transfer requests made after XXXX XXXX E.T. or on a non-business day will not be processed until the next business day. '' ( XXXX XXXX XXXX ) However, when calling the bank they said their business policy was actually XXXX E.T. and in discussions with a supervisor in customer support they hung up on me.
I have never had a loan with Navient, and my name is not shnyder. I spoke to a representative and they said they would correct this but I keep getting phone calls and they tell me to call. XXXX They confirmed my identity but it continues.
The company Kurtwright and Klein LLC has called me three times over two days in an attempt to get contact information for my deceased father 's widow. I have told them I do not know how to contact her, and I firmly told them in every call not to call me back.
My Vehicle was Reposed Due to my Late payments and a Botched agreement with my Finance Company Santander. 
When the Vehicle was Reposed by a Contracted Truck Company that is when the Problem Occurred. I was Assaulted by the Truck Driver and Damage was Done to my Vehicle in the amount of $ XXXX {$8000.00} to the Side Passenger Side Door Panel ( Exterior ). 
Which resulted in the Police being Called by Me and a Police Report Filed and Charges being Brought up on the Truck Driver. The Company ( XXXX XXXX ) of Arizona. 
Police Report # XXXX From the XXXX, Arizona Police. 
This Incident Resulted in me Losing My Job ; Because the Incident took Place at my Employers Parking Lot. There is a No Tow Truck Zone Filed with the State of Arizona for My Previous Employer 's Parking Lot. So, The Tow Truck was there on the Property & Premises against A Written & Filed Order. 
On the 2nd Repo My vehicle was Damaged in the Interior Driver Side Arm Rest attached to the Driver Door as well as Theft of my Belongings. 
List of Belong 's : 1. XXXX ( XXXX ) 2. XXXX XXXX 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX 's 7. XXXX The situation with the License Plates Has caused me to be pulled over by the Police on XXXX Occasions and Ticketed on ( XXXX ) Occasion. 
Causing Issues to my Life and way of Living. Stated Below Pain & Suffering * School Work not being Completed ( Due to Stolen XXXX ) * Lack of Job Search & Employment Retention ( Due to Stolen XXXX ) * XXXX ( 2 ) Piece Special Order for a XXXX I 'm apart of & Paid to be a Member of ( Loss Wages ) {$400.00} XXXX @ XXXX XXXX Missed ; Due to XXXX. {$1200.00} Loss * XXXX having to be reordered thru the state of Minnesota {$10.00}
PNC Bank charged me {$36.00} each for 3 overdrafts that never occurred. I know for a fact that my checking account was not over-drowned on the holiday week-end. It seems that PNC Bank is manually manipulating data on my checking account. My pension from XXXX was posted on my account on the XXXX of the month. 

On the pages that I'm attaching to this complaint, there are no negative balances shown, Every time this happens, PNC Bank wants me to sign-up for overdraft protection.
On XXXX/XXXX/XXXX I decided to sell {$200.00} USD of XXXX cryptocurrency and have it go into my bank account. It 's been almost 10 days and have not seen a transaction. Contacting customer service on XXXX/XXXX/XXXX results in an AI bot that just keeps redirecting you through FAQ pages. Now I have money lost with the coinbase app showing transaction is completed in transferring funds and I have other the remaining coin that I 'll need to just extract. My bank account has been validated and linked to the service and which was validated through multiple deposis so it is n't the wrong account number.
This company failed to provide validation of debt, I have previously reported this company and they replied saying they would close the account, they are still contacting me and they are still reporting negatively I have tried reaching out to them and letting them know to stop reporting on my account and to close it as they promised, and to also stop calling me, unfortunately they fail to do so.
I have been really bad communication with Transunion credit bureau. I have stated over the phone and sent certified letters to have unauthorized inquiries removed from my credit report.
i deposited a check # XXXX by mobile deposit app and it was held due to funds not being avail at the time it went through ( monday XX/XX/XXXX ) since then the funds were made avail to take ( XX/XX/2018 ) then on Thursday ( XX/XX/2018 ) Wells Fargo cashed the check and removed the funds from XXXX XXXX. on Monday ( XX/XX/2018 ) I realized the money was not in my account i then called customer service and waited on hold for 20 min and then finally reached somebody and tried to file a complaint within the company. I was cut off and call never retrurned. Therefore, I would have to start over so i decided to personally go to a local branch and I waited again. The rep for the bank couldnt do anything and I requested a bank manager which never came and after 1 hour i had to go back to work and left still without resolution. So frustrated that I am unable to make my mortgage payment being due on XX/XX/2018 to the same bank who is holding my money even after they have took the funds from the check issued bank. I had a lot of positive feelings this morning when i woke up and since then the day has become very stressful and im losing pay with time being wasted. The bank automated service asks for acct number- last 4 social AND YOUR ATM PIN NUMBER.. I couldnt believe they asked me for that and they said it was OK because their system is secure not realizing the device im using is not. ( cell phone ). I have never been asked for a PIN number that is not directly typed in by me. I have been banking for a long time and you should never give your pin out verbally or digitally without a 100 % full secured connection. The cell phone make it less than secure and they are putting peoples financial info out for grabs. They already ask for your last 4 social because it is incomplete.
My mortgage lender sold my mortgage, at the same time the amount was adjusted to cover escrow. Somehow I missed the slight uptick in the amount ( {$47.00} ) so the mortgage company posted the money I did paid at " unapplied. '' I then saw the error, called the company, was given the run around and finally the clerk told me she could not give me the new mortgage amount until I submitted the {$47.00}. I mailed a check that day and still received a threatening letter. Given the sale of the mortgage, the new amount, and my call to the company I would have expected more courtesy. So apparently they get to " hold '' my payment as " unapplied '' - which seems grossly unfair. The company is Dovenmuehle Mortgage.
This XXXX XXXX XXXX account # XXXX has been settled and Paid. This account should be reported as " Closed '' XXXX and Experian incorrectly continue to report the account as " Open ''.
It was stated that credit reporting companies have the right to update and include information on my credit report based on their research. I mentioned to them that the information was inaccurate. The debt is being shown as a public record and is not mine.
1st Franklin Financial has a hard pull on my credit report when in fact I have never applied for a loan with them. The hard pull shows on my XXXX Credit Report which shows a fair credit rating because of this and does not show on my XXXX Credit Report which shows a good credit rating.
GM Financial has not reported my monthly on time payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017 to the major credit bureaus.
I have been looking for a mortgage to purchase a home. Quicken Loans is relentless and forceful in the way they try to contact and make you get a loan through them. I have received > XXXX calls in the past few weeks and have had to block all the numbers they call from, and also told them to take me off their list. When i did answer, they gave no time to explain what i wanted or that i had already selected a loan from another lender. They pushed to to a loan officer and they still did not give me any time to just say " no '', that i did n't want a mortgage. After talking to someone i had no intention to for over an hour, they said they would do anything to beat my current rate. They gave me XXXX of a percentage point less of a rate, but with XXXX mortgage/discount points. When they proposed the deal, they had only told me that it would be a lower closing costs and lower interest rate, they never told me the discount points used to get the deal. I told them to email me the offer and i would look it over. When i said this, the loan officer said he wanted me to close it that day, without looking over the deal. This method is forceful, dubious, and should be illegal. They are trying to force anyone with any decency into a loan that is not the best option for the borrower, just for themselves. After looking at the deals and talking to other advisers, I found that the deal they had offered which they claimed was " better '' was basically screwing me over to get the loan. 

Long story short : Quicken Loans is a forceful, deceitful, company not looking out for the customers best interest when making life changing decisions.
EVERY DAY we are receiving a telephone call from the United Collection Bureau ( telephone number ( XXXX ) XXXX ) which is a computer generated call and contains a pre-recorded statement to hang up if the call is being made in mistake. We do not want to receive this call, can not stop it, and do NOT owe anyone any money and should not be subjected to this telephone harassment!
Bank of America sold my XXXX mtge, But did not reduce the original amount of the combined mtges, Now I 'm paying the XXXX mtge XXXX. 
Contacted them and they have refuse to correct this error.
XX/XX/2016 30 days overdue that is actually stated on my credit report does seem inaccurate and or confusing. I would like the XXXX XXXX XXXX furnish data that the particular claimed account was in fact delayed so you have the essential guidelines so that you can suitably examine XXXX XXXX XXXX claims AND Take the time to present this data or even eliminate the negativity of this account.
Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history ( XX/XX/XXXX ) for all eleven of my federal student loans to the credit reporting agencies ; Equifax and XXXX ( XXXX has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which XXXX has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a Federal loan servicing rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time on XX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that XXXX and Equifax is reporting missed payments. This hassle of back and forth with the credit reporting agency and XXXX XXXX has caused tremendous financial suffering due to no fault of mine.
Citigroup 's policy forcing vendors to refuse firearm sales to under 21 year-olds, regardless of the law. I don't actually have a credit card account with them, but there is no option for filing a complaint regarding their discriminatory business policies. 

By instituting policies which require their banking customers to discriminate against prospective clients based on age, in an apparent effort to affect their own brand of restrictions on firearms ownership, CitiBank appears to be attempting to infringe upon the second amendment rights of millions of law-abiding American citizens. ( the ones that bailed them out ) Since XXXX has not even remotely suggested that the financial activities they are targeting by this policy are illegal in any way, while they themselves enjoy government support and benefits, I believe they should limit the scope of their policies to deny only those transactions that might be illegal, or at the very least, those not GUARANTEED to the people by the US Constitution. 

While I do believe that businesses in the United States, for the most part, should be free to set policies as they see fit, this particular policy tends to force other businesses into breaking federal age discrimination statutes in order to continue doing business with them. Since it violates the rights of so many others, I hope that if XXXX does not voluntarily revise or abandon this policy, they might be legally compelled to do so.
Had a loan modification because of health problems that 's when everything changed.my loan was a 20 year fixed I have lived in the house 16 years. After the loan modification I pretty much ended up being in debt more than ever. I am just trying to figure out if I have been a victim of a predatory loan.
TransUnion has wrong date of birth. I try to dispute my " Personal Information '', on their website, the best I could : there was no way to specify, which specific info I was disputing. The " resolution '' of my dispute, just as I expected did not corrected my record. I call them. I was told that I have to submit this " correction '' in writing and provide XXXX documents verifying my correct DOB. I asked how did TU obtained DOB on their record. I was told it came as a report from one of my creditors. I ask which of my creditors provided TU with that date. I was refused. I discontinue conversation. On the previous reports from TU my DOB was correct. On reports from XXXX other agencies, my DOB is correct. These fact lead me to believe that TU is at fault. They concocted this falls data, and now refuse to correct my record. I am urging you to use your power to severely punish TU and make them correct my record.
I have XXXX account on my XXXX and transunion  credit report reporting as a charge off. both reports are showing different information. I have sent over 20 plus disputes and they have yet to still correct the issues. The Account number is XXXX # XXXX. 
On XXXX is shows date of removal being XX/XX/XXXX while Transunion shows XX/XX/XXXX. XXXX XXXX on both shows " ND '' as no data. How can this be accurate if the data is not reporting, XXXX shows No data for XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX, On XX/XX/XXXX XXXX is showing No data and Transunion is reporting 30 days late, XXXX high balance is {$0.00} and Transunion shows {$89000.00} and Transunion never showed the credit limit. Both Reports are show many inaccuracies which is a violation of my rights. I have submitted many disputes for correction and still have yet to see the changes. If they can not fix or correctly report i ask they please remove the accounts.