WillisBack/dataset-financial-user-claim huggingface dataset:
We have been the victim of criminal and systematic loan fraud by XXXX different Loan Servicing Companies. First, a company called XXXX produced and had us sign a fraudulent HUD statement that appeared to make our payment appear low. When the payments were made there was an escrow shortage and the payments kept climbing. After my dad died, we had approximately {$1500.00} stolen from our escrow account by loancare and they PAID SOMEONE ELSE 'S PROPERTY TAXES WITH OUR ESCROW. They used this shortage to DOUBLED OUR HOUSE PAYMENT. When confronted, they never corrected any of the issues and they sold the loan to Nationstar. 

Nationstar, after discovering the criminal fraud on the HUD statement, has never corrected the issue and they have now engaged in their own predatory loan practices. The escrow due/paid each year is XXXX a year for taxes and insurance in 2015, but they collected almost {$6000.00} for this XXXX bill in 2015. The payment went up yet again and now is almost double the original amount on the fraudulent HUD statement. 

I think they are actually preying on widows and widowers intentionally. The fraud started when my husband died and it has accelerated. I had a complete nervous breakdown and my son had to rescue the home from foreclosure. 35 years we had a loan and no problems. This behavior I have witnessed is intentional, criminal and it needs to be stopped. The fraud seems to be concentrated around escrow manipulation in numerous forms. 

HELP!!!! Please and thanks!!!
I have a Paypal issued Mastercard. I use this card for a couple of transactions a month. In the month of XXXX 2015 I received a {$96.00} refund resulting in a net positive balance i.e. Paypal owed me money. In light of this, there was no payment due by XXXX XXXX 2015. I even checked to make sure there were no transactions. However, in the XX/XX/XXXX statement the company charged me a $ XXXX late fee and interest charges of {$1.00} ( total charges of {$26.00} ). This was shocking and when I called Paypal the service rep kept repeating that I was getting confused. She refused to explain why I was required to pay the fees and have the charges reversed in the next month ( XX/XX/XXXX ) statement. This is the second time that Paypal has resorted to this unethical practice.
I sold an item, a XXXX refrigerator on XXXX. My buyer paid the correct amount into my PayPal account. PayPal will not release the funds and it saying they will not for a period of time which keeps changing. XXXX is saying that the money is not held on their end and should be released by PayPal. I feel that PayPal is somehow placing A hold on my account that is wrong and in accurate and will not release the funds ever.
I have been struggling for over a year to work out a modification with PNC bank due to unemployment in 2013. We got to the point of short sale in XXXX, at which time I was assigned an attorney to represent me in the proceedings. PNC denied offer to purchase at the beginning of XXXX, since then they have refused to take the law firm off of my account as primary contact and have not spoken to me claiming that I need to remove attorney authorization. We have repeatedly emailed and faxed PNC with the requested letter from attorney. Last week I submitted another modification request asking PNC to consider modifying mortgage based on their - PNC Agent - BPO - value of {$60000.00}. I am still unable to speak with them, they refuse to change the attorney information. I had another foreclosure hearing this morning. PNC 's improper refusal to discuss my own account with me, for over 30 days, has negatively impacted my ability to work with them on a modification and avoid steps in foreclosure. As of this morning, the court has set a sale date and they STILL refuse to speak with me. It has been communicated to PNC numerous times that the authorization I originally signed allowing attorneys to speak with PNC about my account contains no cease and desist language at all. This is the final straw in the long list of ways they have kept me from working out a deal to keep my home. PLEASE help me. They have lost my paperwork, requested the same documentation over and over, claim they ca n't leave me voice messages, I did n't initial XXXX page of a XXXX page document, etc ... ... I want to keep my house, I am employed again and have been, I also have additional income with my father living with me. Their practices seem to be unethical. The refusal to speak with me is absurd.
They keep increasing my payment and will not work with you for what u can afford. Every year the payment increases by 20-30 %.
I received a copy of my credit report. There is a address listed I never heard of & the spelling of my name is incorrect. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX XXXX XXXX have never been used by me. I have never lived in Michigan, nor have I ever gotten credit there. I have no idea who the person/persons are. XXXX XXXX XXXX was refinanced on XX/XX/XXXX, while I was under wage earner. I was discharged XX/XX/XXXX from wage earner. The new loan was with XXXX XXXX XXXX. Someone had that account transferred/sold.
I applied fo r the American Express Blue Cash Everyday credit card. After 60 seconds my application was denied. I called into American Express for a reconsideration. After an additional 3 days of review my credit application was denied again. The reason for being denied was bankruptcy. On the rejection letter they cited   XXXX   as their credit information source for their decision. I logged onto my   XXXX    account that I use for continuous credit monitoring and looked on each line item on the report and looked on the public records tab and there is not a bankruptcy listed anywhere on my credit report ; therefore, I want to know how American Express is citing " bankruptcy '' as their reason for denial. I have excellent payment history and I have a good credit score.
Capital One is reporting incorrect information on my credit report In XX/XX/2018 I notified them that I was turning my debt over to a credit counseling company. XXXX XXXX XXXX. They negotiated with Capital one on 2 accounts a fixed monthly payment and Capital one has been paid each and every month. They accepted this payment arrangement, which was supposed to cease all collection of past due amounts and to lower my interest rates. But now they want to report me as being late on continuous months with the credit bureaus Now I am forced to file this complaint as well as get legal assistance to sue Capital one for frivolous reporting. I could have simply defaulted on this but I did not want to do that but yet they do this to me. I may consider taking them out of the program and they get nothing if this is how they conduct business. Once again a prime example of a big company trying to take advantage of the little consumer. They are just dirty and can not be trusted.
Bank Of America is blood sucking Bank, even after giving me a credit of {$480.00} they again put it back on my Account and Put an extra {$2500.00} which I reported as fraudulent before. What a mean company who just know how to XXXX hard earned money from people, I will not recommend Bank of America to anyone, do not get Credit cards of this company. 

I have attached letters from Bank of America, how they gave me a credit and how they took it back, they charged back all the money from the Merchants and now also want me to give them the money, they are a big game player and big fraud. 

This is XXXX XXXX company and XXXX XXXX is of no help, all the previous discussions, talks, conversations went waste, so go to another banks to get your credit cards and not this Bank, this bank sucks.
On XX/XX/2015 my Mom saw an ad in the newspaper. When I got home she told me about the ad in the newspaper about helping people buy a house or something like that. We decide to check it out so we go to the office. When we got there my mom explained the situation to him about getting a house & not having enough money to afford one etc. Then he said that we can make money from rental properties. He would put these properties in my name. He would find the properties himself, collect the rents from the tenants & pay the bills. He would do all the work. I just give him 2 paystubs and show up at settlement to sign the paperwork. He would give me the money to pay the mortgages every month. Things did not work out so I wanted to sell all the properties but he did not want to. Eventually I came to my boss about this situation and the guy who I was dealing with. My boss found out that this guy was an x-criminal. He was obtaining mortgages fraudulently using inncent victims. Operating Schemes. I believe in this situation he is doing the same thing. The companies involved are - Freedom Mortgage Loan numbers are XXXX & XXXX, XXXX XXXX Loan # XXXX, XXXX ( XXXX XXXX XXXX & XXXX. ) Loan # XXXX & XXXX XXXX XXXX XXXX Account # XXXX.
I recently learned that my personal information was used to open an account at your company BCA Financial. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.I have never heard from BCA Financial concerning a debt that they hold under my name. I have never done business with this company or had any obligation to pay them any funds. This account is a direct result of identity theft.
I paid for an appraisal with a credit card that was ordered by XXXX XXXX XXXX XXXX   XXXX, but then moved away from that lender and applied with a second mortgage broker. When the second mortgage company asked XXXX XXXX XXXX XXXX XXXXXXXX to release the appraisal ... they said they wouldn't do that.
Hello, My name is XXXX XXXX, my address is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Tx. XXXX.My phone number is XXXX. I currently am trying to release my co-signer XXXX XXXX XXXX. My co-signer is my brother who is currently in the process of requesting loans for his daughter to begin her 1st semester of college. I was denied the ability to re-lease him according to something appearing in my credit report. I have 11 years of diligently paying my loans on time and holding a full time job.I submitted all the pay stubs necessary and the application. I have thoroughly checked my credit score and it is a XXXX. I have no derogatory claims open. I have called people in the co-signer release dept and none of the representatives were able to resolve my questions as to why i 'm being denied. Nobody could even direct me to a dept administrator to  challenge the judgement within Navient. I need my brother XXXX XXXX XXXX released by XXXX XXXX, 2017. My brother needed his credit freed up to apply on behalf of his daughter 's future education. I 'm asking for fairness to be applied to this scenario. I do n't believe I 'm being treated ethically. I believe the way i 'm being treated is illegal. I have completed the mandatory requirements as outlined in the application process. I have read that Navient is encountering lawsuits specifically with regards to this issue of co-signers being denied release. They explained my brother would be on the loan for the lifetime of the loan. Despite me legally abiding by their requirements. I really want to this issue resolved in an expeditious manner. I do n't want to seek legal avenues. I want to believe Navient is capable of doing the morally right action and releasing my brother XXXX XXXX XXXX. Can you please advocate on my behalf to get my brother released? 
Best, XXXX XXXX
I have been currently working with my mortgage loan provider regarding past due payments on my mortgage account due to my husband having lost his job. I started working with XXXX XXXX at Wells Fargo bank and besides her just not being prompt or sensitive to such an important matter like our home is. Once our case was reviewed for repayment options we were told options through Wells Fargo were denied, but nothing specific was disclosed. I appealed their decision once my husband was able to acquire XXXX part time positions and asked for our case to be reviewed. According to the rep during this process our foreclosure status would be suspended. I received a call from her telling me our appeal had been denied. I began to ask questions regarding this decision. I wanted to know why and exactly the reasons why since we have more income now to cover our mortgage costs. I have yet to receive a phone call explaining anything from her or anyone at Wells Fargo, and when I contacted the foreclosure department and they advised me that my home is now in active foreclosure. I asked the rep in the foreclosure department to go over all of the fees to reinstate the loan and NOT one person can give me a break down. I really feel that we are being taken advantage of and I do not think this is even legal to do. I will be seeking legal counsel.
This debt collector has gotten a list of employees at my job and calling them on their private phone numbers to tell them that he is trying to collect a debt from me.
I am writing to your agency in hopes you can help me with some charges on my Bank of america card previously disputed with you guys. I would like to know the status of the disputes. I am   XXXX   and I do not owe a computer, no electricity or internet and I am not com puter literate. Communication is kind of difficult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for online services, meanwhile I told them I didnt own a computer, they said it wouldnt be a problem they would do all the work for me, and they did disappeared after, I tried to contact them many times to see what was going on, and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disputed with  Bank of America were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please.
I was in a repayment plan with Bank of America. Bank of America returned my payment XXXX XXXX, XXXX, would not accept payment. I hired an attorneys in XXXX they put me in a false foreclosure. This is still in court. Bank of America has committed purgery, withholding evidence and obstruction of justice. Court docket on XXXX/XXXX/XXXX N/A MG PLAINTIFF 'S MOTION FOR SUMMARY JUDGMENT IS DENIED. DEFENDANT HAS SUBMITTED AN AFFIDAVIT ( EX. XXXX ) THAT SHE ENTERED INTO A " REPAYMENT PLAN AGREEMENT '' WITH PLAINTIFF. THE REPAYMENT AGREEMENT ( EX. XXXX ) PERMITTED HER TO BRING HER ACCOUNT CURRENT WITH MONTHLY PAYMENTS. DEFENDANT AVERS THAT SHE PAID THE FIRST XXXX PAYMENTS UNDER THE AGREEMENT, AND THAT THE PLAINTIFF ACCEPTED THESE PAYMENTS. DEFENDANT THEN AVERS THAT SHE TENDERED THE XXXX, XXXX PAYMENT, BUT THAT PLAINTIFF RETURNED THIS PAYMENT WITHOUT EXPLANATION. DEFENDANT 'S AFFIDAVIT IS SUPPORTED BY A XXXX XXXX RECEIPT ( EX. XXXX ) FOR THE TENDER OF THE XXXX PAYMENT, AND IS FURTHER SUPPORTED BY A XXXX XXXX XXXX ( EX. XXXX ) THAT STATES " YOUR XXXX XXXX XXXX COLLECT MONEY TRANSFER HAS BEEN DECLINED. '' DEFENDANT 'S EVIDENCE, IF BELIEVED BY THE TRIER OF FACT, SHOWS THAT PLAINTIFF HAS BREACHED THE AGREEMENT BY REJECTING A PAYMENT CONTEMPLATED BY THE REPAYMENT PLAN AND MAY THEREFORE BE ESTOPPED FROM PROCEEDING WITH FORECLOSURE. DEFENDANT HAS THUS DEMONSTRATED THE EXISTENCE OF A GENUINE ISSUE OF MATERIAL FACT THAT PRECLUDES SUMMARY JUDGMENT IN FAVOR OF THE PLAINTIFF. FURTHER, DEFENDANT 'S EVIDENCE IS RELEVANT TO THE BALANCE OF EQUITIES IN THIS CASE. UNDER XXXX LAW, A FORECLOSURE INVOLVES A XXXX-STEP PROCESS. ONCE IT HAS BEEN DETERMINED AS A MATTER OF LAW THAT A DEFAULT ON THE OBLIGATION SECURED BY THE MORTGAGE HAS OCCURRED, A COURT MUST THEN CONSIDER THE EQUITIES TO DETERMINE IF FORECLOSURE IS THE APPROPRIATE REMEDY. XXXX XXXX XXXX V. XXXX XXXX XXXX, XXXX ( XXXX DIST. ) ; XXXX XXXX XXXX XXXX XXXX V. XXXX , XXXX, XXXX ( XXXX DIST. ) ; XXXX XXXX XXXX ( XXXX DIST. XXXX ), XXXX XXXX XXXX, XXXX, MOTION TO CERTIFY RECORD OVERRULED, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ( XXXX ). A TRIAL COURT IS NOT PERMITTED TO ENGAGE IN SUCH A WEIGHING OF EVIDENCE IN DECIDING A MOTION FOR SUMMARY JUDGMENT. NOTICE ISSUEDI did nothing wrong so why is nobody making Bank of America accountable for there felonies? I will never give up. We had pre-trial which the banks rep lied on the stand stating I was late making my payments. This has been filed previously and in the last response from the bank they stated I was late with payments. I was not aware this would keep going on with the bank having different false excuses of there error. In trial my attorney asked me while I was on the stand if I was aware that the repayment plan had an extra {$9000.00} dollars hidden fee, of course I DID NOT. This has been going on for nearly 8 years. This has severely traumatized me. So it is true the justice system allows a crime if you have wealth. Bank of America has also sold my mortgage XXXX XXXX to XXXX XXXX XXXX , XXXX XXXX, XXXX. This is another ploy to not be accountable of criminal actions by Bank Of America!
I filed an complaint against this company in XXXX XXXX. The company agreed to cancel the referenced account and remove it from my credit. It has been reapplied to my credit report again.
I am writing to report a scam and fraud which collect|on from PROFESSIONAL COLLECTION. 
XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX with the amount of {$960.00}. 

This correction agency should check make sure they are customer not involve scam and fraudulent invoice 's, I am a vlctim of unrendered services provided by the property management company called XXXX. XXXX was In charge of renovating the property for a prospective tenant. However, they sent the false Invoices, and clalmed that they rendered services as they promised. 
I disputd the amount which XXXX claimed that I owed, also I requested XXXX for addltlonal evldence like contract who does the work ( contractor 's ). 
since then, I did not hear from owner or manager who Handel this matter.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Transunion and XXXX with no successful resolution. XXXX and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I just got this number last month. The debt belongs to another individual. I've asked numerous times for them to quit calling. The company 's name is Afni. I spoke to  XXXX at XXXX today and again advised that this person does not have this number please put me on the do not call list. Tried to get me to sign up for debt relief in my name. They call 8-10 times a week trying to collect debt from someone named XXXX.
We received a trial modification plan which we paid. In XXXX, 2015, our trial modification was converted to a permanent modification. We made our Payments in XXXX and XXXX 2015. On XXXX XXXX, 2015, Statebridge sent us a Notice of Intent to Accelerate our loan, claiming that we were behind {$7700.00}. This is simply not correct. We are current on our mortgage per the modification agreement.
fraudulent account, XXXX XXXX XXXX ,X/XX/2010, XXXX $
I had a Walmart card and this is the credit card is trying to destroy my credit. I have tried consistently to work with XXXX XXXX every month I get a 30 day late alert. First it was XXXX. Then I processed a dispute so XXXX XXXX deleted XXXX and put it for XXXX dropping my score again. I made my payment with rep of {$30.00} and I made it for 3 months. To receive this treatment I feel that this bank it deliberately trying to destroy consumers credit.
This was a joint account ( ex-husband ). When he left ; this was included in my bankruptcy. Should be removed from file. I have attached the document. Page 15
In XXXX XXXX, I closed an account held with Barclays Bank, XXXX XXXX XXXX and paid it in full in the amount of {$1200.00}, in order to open another account with the same company that had better rewards benefits. This was done on the recommendation of a XXXX employee. Barclays later misapplied the payment to the new account, leaving a balance on the old account. The payment was transferred between accounts numerous times. In XXXX XXXX, the transfer by XXXX also created a charge in one of the accounts -- it was taken into a debt status rather than simply being returned to a XXXX balance. I paid for all purchases on both accounts. I have provided proof of these payments to Barclays not once, but twice. But, the payment of {$1200.00} is not being credited correctly, and each month interest charges and late fees accrued on both accounts. The balance is now some {$22.00} on one account and over {$1400.00} in the other. I owe the credit card company no money. Over the course of these transfers, I have at least nine times complained to customer service representatives and in writing to Payment Research. They send back form letters that the complaint is resolved, yet all that has happened is the payment has been moved to the other account and the false charge placed on the account by Barclays in XXXX has not been removed. I have excellent credit and do not want this event to negatively impact it at all. Barclays has placed an impossible burden on me to resolve a mistake it introduced. Please help.
In 2016, a former apartment community, XXXXXXXX XXXX  XXXX XXXX ( XXXX, CA ), tried to charge me for repairs & cleaning after I moved out, without providing me an itemized receipt of these charges. This apartment had burns on the carpets and stains before I moved in and I don't even smoke! They took my entire deposit of {$1100.00} ( 600+500 pet deposit ) PLUS billed me for an additional {$1200.00}. I did not get a " pre-move out inspection '' because I know that I took care of that apartment while I lived there for 2 1/2 years. I attempted to obtain an itemized receipt from the leasing office approx 20 days later and the leasing agent told me they had sent me to collections already and had no receipts to provide me. This debt was sold to IQ DATA INTERNATIONAL INC, who has since increased my balance to {$1700.00}! Charging over {$500.00} in interest on a non-interest bearing account. I never received written notification of this debt, as I moved. I did forward my address as well and have seen this negatively affecting my credit score month after month but never received any proof of the charges. They called me while I was at work, I gave then my current address but told them I needed proof of these charges, and then asked how they can legally charge me interest on this account. XXXXXXXX XXXX XXXXXXXX XXXX ( CA ) is no longer in existence and the apartment complex is now owned by XXXX XXXX XXXX. Today, I called XXXX XXXX to attempt a copy of any receipts they might have. I was told they don't have records prior to late 2016, I gave them my name and they found nothing. There is no proof that I even lived at this apartment complex according to their current records. I should not have to pay for fraudulent charges with no proof they exist, and continue to have this affect my credit report.
I am a mortgage customer of XXXX XXXX XXXX. They are advertising on their main website that you can check for credit card offers, get a decision in less than 60 seconds, and there will be NO effect on your credit report/score. I filled out the information, expecting XXXX to do a soft pull on my report, but they pulled a hard copy credit report. I have the page printed that I am referring to, and also spoke online with one of their reps tonight. He said he would refer it to their main office. I have a copy of the main page as well as the online conversation I had with the rep. Unfortunately I ca n't get it to scan where you read it clearly.