WillisBack/dataset-financial-user-claim huggingface dataset:
A representative, XXXX XXXX from a litigation firm called XXXX XXXX XXXX contacted me this afternoon, Wednesday XX/XX/XXXX in an attempt to collect a debt from an overdrawn US Bank account that was setup in my name in XXXX and later closed in XXXX. Ms. XXXX had the last four digits to my social and other details regarding the account in question. 

The debt they were attempting to reconcile was paid a number of years ago however they were still claiming I owed over {$2000.00}. Additionally, they would allow me to settle the amount for {$1100.00} if I paid with a credit card now as the case was time sensitive. 

The phone number is XXXX and their fax number is XXXX attn XXXX.
I sent a dispute letter to all the credit agencies wanting to receive proof of ORIGINAL documentation of accounts on my credit report and they have to yet do so.
TransUnion 's website deceptively offers consumers a report, presumed to be free, without clearly indicating that they are charging fees and signing the consumer up for a subscription service. The service is charged without asking the user for confirmation. The website intentionally obscures the pages that allow the user to cancel their account. Support staff is only available via an XXXX during certain hours, making it exceedingly difficult for overseas Americans to communicate with the company and cancel their accounts and charges. No email or chat support is provided. 

I am currently seeking confirmation of cancellation, after numerous reports from other consumers have established a pattern of intentional failure to cancel on TU 's part, combined with an intentionally obstinate call center, designed to make it difficult to leave the subscription program. I am also seeking to have my credit union block any charges if TU refuses. If TU fails to completely cancel my account and reverse any charges, I intend to contact the Attorney General to seek action against these deceptive trade practices, and may additionally file for recovery in small claims court.
I have sent correspondence to this company multiple times. They have not verified the debt or provided the information that I asked for in order to do my own investigation. The amount is for {$650.00}. I have sent another correspondence on XX/XX/XXXX in order to determine how they verified this alleged debt. The first reply they sent me was received on XX/XX/XXXX and it  was a packet of statements which is does not verify this alleged debt.
I have just checked my credit score, and I was going through what was affecting my score, and I ran across this debt collection of an GoldKey Credit amount of {$660.00} from XXXX XXXX XXXX. During that year, I just moved back to XXXX from New York, I did not have a job, I just graduate from high school a year a ago ; at that time I only had one debit card, and that was with XXXX. I really have no idea where or what this debit Collection is coming from, thank you for taking the time to hear me out.
I opened up a Citigold checking account with a promotion of XXXX XXXX XXXX miles. The code for the promotion was given to me by a Citi chat representative and I confirmed with Citi that the code was properly applied to my account. They replied and ensured me that as long as I meet some spending requirements, I would receive the miles within a certain period of time. After completing the spending requirements, I contacted Citi to confirm that all the requirements for the promotion were completed and at this point, the representative informed me that it was a targeted offer that I was not supposed to receive.
I deposited {$7000.00} into my checking account. Wells Fargo took {$4000.00} for a delinquent student loan. I called and spoke to XXXX XXXX, supervisor, who stated that this is a " different kind of fraud '' and we would not have the money redeposited. We would not have the money re-deposited, we would have to wait for 5 days to determine if its " fraud '' and we would not receive a new account number since this was money was taken through Wells Fargo. We made bill pay and are now left with a large amount of overdraft fees. Wells Fargo Education had signed off this loan on my credit report after making 5 years of payments without a change in the overall amount owed. They made payments so high I could not pay them. And now they stole {$4000.00} from my account without filing a claim through the legal system. No notification by mail or email was ever received.
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXX and on XX/XX/XXXX are still being reported on my credit report. I contacted XXXX XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX BANK, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX BANKs ( XX/XX/XXXX and XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX
XXXX XXXX XXXX is reporting to my Transunion report as a balance of {$560.00} is still due and is being shown as a charge off. This information is incorrect as the loan was paid off in full through my CHXXXX bankruptcy in XXXX in the amount of {$1300.00} this satisfied the loan and the title at that time was released. This should be reported the same as my other two credit reports as paid through CHXXXX account satisfied and closed. I have disputed this with Transunion and XXXX numerous times with the standard response of everything is accurate and up to date. I filed a letter of validation with XXXX on XX/XX/XXXX with no response as of XX/XX/XXXX
Portfolio Recovery Associates ( PRA ) has failed to provide proper debt validation for the XXXX XXXX  account they are trying to collect debt from. PRA hasnt provided any contractual agreement that illustrates financial obligation from me to them. They have also failed to provide adequate information about the debt they are trying to collect from me. They are trying to collect a debt in the amount of XXXX ( shown on page one of the debt validation they sent to me ) but after reviewing the statements ( which are not adequate information for debt validation ), there is not any information showing how this amount came to be. There are two completely different amounts from what is shown on the account from the statements vs. the account that appears on my credit report ( reported by PRA ). The dollar amount of XXXX doesn't appear anywhere on the statements sent to me as debt validation nor is there any information how this figure was calculated. I have highlighted the amounts throughout the documentation along with the due dates to show the different debt amounts. PRA has also presented statements that are not sequential in dates and missing information. There are no statements presented from the months of XX/XX/XXXX-XX/XX/XXXX but months presented from XX/XX/XXXX-XX/XX/XXXX This lack of documentation is questionable in validity when trying to use as proper debt validation as there is missing information in those documents. As stated, the documentation that was sent to me as debt validation is inaccurate and this account needs to be deleted from my credit reports immediately. Trying to collect a different debt amount and not provide proper, adequate, and accurate debt validation is against the laws of FCRA and FDCPA. I have provided supporting documentation for review and validity of my statement above.
I began applying for a loan modification with my mortgagor, Select Portfolio Servicing on XXXX/XXXX/2015. I began submitting the documents they requested. I have submitted a hard ship letter, bank statements, lease agreements for the subject property, lease agreements for other properties I own. Each time I submit a requested document, I get a letter stating that they have received the info they requested and once they receive a complete application along with third party approvals they will send it to underwriting. Once I receive these notices I call, then they request some other document. This process has been going on since XXXX 2015 and now the want something more bank statement detailing the rents I am receiving. I had explained in the hardship letter that I was having trouble collecting rents consistently. They want copies of canceled checks when most of my tenants pay with cash or money orders. I do not take checks because the bounce then the bank charges me a fee plus take the money from my account. They seem as though they do not want to modify my loan. I wonder if they ever give loan modifications to their customers.
We are filing a dispute regarding the failure for Bank of America ( BAC ) to complete a modification review under Home Affordable Modification Program ( HAMP ). 
Our loan was originated in XXXX with XXXX Mortgage Company, which in deed makes our family eligible for the review of HAMP programs and all of the programs original intent and initiatives for benefit of homeowner such as myself. It is unlawful on multiple levels for our loan to be discriminated and excluded from review of such programs based on XXXX XXXX XXXX ( XXXX ) being named as investor/owner for our mortgage loan. Although we are thankful for consideration and approval of a modification program, we are dishearten by the fact that BAC, and XXXX are purposely overlooking our family for a much more beneficial program than what has been offered on XXXX XXXX, XXXX. 
The reasons given for our multiple denials of HAMP not only are ambiguous, but also evasive and without detail or relevant cause and appear to be a ploy to avoid offering our family a deeper savings at 31 % of our gross income. My theory, is that both BAC and OLS presumed the HAMP program to be dissolved at the end of XXXX, and the denials were a preemptive decision made prior to the FHFA 's announcement made that HAMP was being extended until the end of XXXX. 

Both BAC and XXXX, are major participants of the HAMP program and it is completely out of character of industry standards since XXXX and in the wake of both financial institutes losing federal lawsuits for thousands of acts of deception, abuse and fraud of homeowners nationwide. In fact there are still thousands of pending and unresolved lawsuits against of XXXX. The lawsuits allege, among other things, that XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX ( " XXXX '' ) engaged in a deceptive scheme to delay or deny permanent mortgage loan modifications through the federal Home Affordable Modification Program ( " HAMP '' ) to desperate homeowners, systematically breaching their contractual obligations to homeowners, committing deceptive trade practices, and causing significant financial harm. 

Our loan was approved of what 's called a Bank of America loan modification, on XXXX XXXX, XXXX for a payment in the amount of {$1200.00}. Based on my gross qualifying monthly income of {$3500.00}, the payment equates to a front end debt to income ( DTI ) ratio of 36 % to 40 %. However, had our loan been reviewed accordingly for the HAMP program, our payments would be based upon 31 % DTI, equating to a much more affordable amount of {$1000.00}. 

We are seeking for our loan to be reconsidered for the HAMP program. We are seeking a more thorough and detailed explanation as to why we are being overlooked for a program that we rightfully should be considered and qualified to receive. This complaint will be forwarded to the our state attorney general as well as Michigan Department of Financial Institution for their review of my grievances.
Tried contacting, no luck. No help with customer service. Need this taken off credit report. Flagship credit acceptance XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016
In XXXX I purchased my home in XXXX idaho through loan servicer XXXX XXXX who sold the loan to the current " servicer '' Loancare , LLC. They never properly notified me of the initiation of transfer nor did I receive a new agreement or packet with necessary information from the new servicer. I have requested several times but no success. I have tried to call to speak with someone to clarify terms and such but I am never able to get anyone on the line. Recently I decided to purchase a second home and to refinance with a completely different company for this loan all together. I have never felt secure since the transfer as I am unable to communicate with them entirely. Upon reading some reviews and how horrid they have done likewise consumers I decided to act immediately. I requested a payoff statement, when I received it, it stated I was late on a payment which is not accurate. I pay the same time same way each and every month so I knew there was no way to have done so. I tried to contact them, again no success. XXXX XXXX I logged on as usual to make my payment, the welcome page generated and I clicked the online payment link but rather than being redirected to the appropriate page a message came and said unavailable to you at this time please contact them at the listed phone number between specific hours. So I have been attempting to contact them since again no success. I have never received any mail, notice, email, or phone call of any issue. Since I was unable to pay online I submitted a check through bill pay from my bank instead. 
Yesterday XXXX/XXXX/XXXX I received a letter that states I am in preforeclosure for being behind in pay. I got on my credit monitor and saw the months in which they note I was delinquent or did not pay ... all months have been paid. I have receipts to show such to be true. I never had an issue or knew of a potential for issue until I was not able to log into my account as usual. I disputed the information with the credit bureaus but no change has been made. I have documentation that I have sufficient income to be loaned to, that I have always paid payments and on time, and that I in fact have sufficient enough income to purchase another home as desired however with the havoc on my credit this is causing my credit score is quickly diminishing ... from high 700 's to low 600 's today. 
I need this fixed and resolved and to be able to refinance with another lender asap. I am at a loss and do n't know what else or at all to do.
I was victimized while traveling abroad in XXXX. I was in a moped accident and rolled several times, XXXX XXXX XXXX XXXX XXXX XXXX and giving me XXXX XXXX XXXX and XXXX XXXX that have lasted 5 months and counting in XXXX. A reckless driver ran over my moped and caused significant damage to it, nearly avoiding me. Immediately after, I was taken to the police station. I spoke to the head police chief and he spoke perfect English. He asked me if I admitted guilt, which I did not, and then when the "victim" who had almost XXXX XXXX  arrived, he suddenly spoke no English and implied in broken phrases that if I did not pay XXXX to her immediately, I would be going to jail, missing my flight, and trapped in XXXX jail for 30 days. All the while, my clothes were ripped, I was XXXX XXXX, and they would not provide a translator or phone call to the US embassy despite several requests. My friends finally helped me post the bail of XXXX and I returned to my hotel. The manager was not available, and the desk clerk said to get my passport back I would need to pay for the moped. I said no problem, and signed a letter stating that I would pay. They verbally told me it would only be a few hundred US. I had NEVER signed a contract, just handed over my passport, and was not informed until after the fact that there was no moped insurance. This was an old moped, and a classifieds ad search for XXXX mopeds with similar hours on them reveal an average cost of XXXX USD. They received my credit card information from XXXX when I booked the room a few months before the trip, which was only XXXX/night. My card was lost a few days prior to the accident at the XXXX airport. They decided to charge me XXXX US, and now are unresponsive and have not issued a refund. I explained this to chase, and they refunded me the money as I didn't give my card for this charge, I never signed a contract for the moped, and never signed a receipt for the charge which they processed without my card physically present. Chase then decided to reject my fraud claim and charged my account for the money back. When I called, I was on hold for 47 minutes, and finally talked to a fraud department supervisor, XXXX XXXX., who would not provide any more information about his identity whatsoever. My claim number with Chase is XXXX. XXXX mocked me and told me that I must be lying since I said my card was lost and they charged me. He also told me that the hotel provided a signed receipt for the XXXX, which is not possible as I never signed it, or a contract for the moped when I initially rented it. It also was provided without gas and I filled it up just prior to the accident. XXXX XXXX kept cutting me off and very clearly did not understand the story I told him as he kept circling back to the fact that my card must not have been missing since they charged me. They obtained my card number from XXXX and illegally charged me an amount more than 6x the value of the moped that was wrecked by another driver! I want Chase to take accountability and provide the service to me of fighting this charge as guaranteed by my ownership of a XXXX logo debit card as described on their and XXXX websites.
I submitted a request for removal of PMI from my mortgage loan with BB & T for my primary residence on XXXX/XXXX/2016. With my request, I submitted an appraisal from a licensed and certified residential real estate appraiser showing my current LTV ratio ( XXXX % ) was substantially below the required XXXX %. My request was denied with no reason provided. I called BB & T customer service but they are unable to assist as the mortgage insurance office is a back office function and does not interact with customers. I submitted a formal complaint to BB & T but have not been given a reason as to why the request was denied.
Approximately on XXXX XXXX, 2016 I contacted XXXX. The were very eager to help me re-finance with money out. I completed all their paperwork with in about 7 days. They then told me it went to the underwriters. At this time I paid {$490.00} for an appraisal for my house to qualify for this loan. My appraisal came in at {$320000.00} and I wanted to take out all I could which meant I wanted my loan to be {$260000.00}. I then waited for the rest of XXXX, XXXX, and XXXX calling them approximately every 10 days to find out where my refinance was at. And everytime I called they said it was at the underwriters. I kept asking if they need more information. NO NO you are are fine, Finally on about XXXX XXXX, 2016 I received an email from them listing about XXXX things they needed from me in order to close. By this time I contacted another mortgage lender and closed within 3 weeks. I think they should refund my {$490.00} for my appraisal fee. When entering into a contract with them I believe time is of the essence. and by stalling my home loan for 3 months is NOT a timely fashion. Every other time I have refinanced my home the loan has been completed within 30 days. 

Thank you XXXX CA XXXX XXXX
PayPal illegally signed me up for an unwanted online credit. You can see the same situation has fined PayPal XXXX here : XXXXThis is exactly what happened to me : '' Enrolled consumers in PayPal Credit without their knowledge or consent : The CFPB alleges that the company often automatically enrolled consumers in PayPal Credit when those consumers were signing up for a regular PayPal account or making purchases. The company enrolled other consumers while they tried canceling or closing out of the application process. Many consumers ended up enrolled in PayPal Credit without knowing how or why they were enrolled. They discovered their accounts only after finding a credit-report inquiry or receiving welcome emails, billing statements, or debt-collection calls for amounts past due, including late fees and interest. " I am furious because this is a sleazy way to get me to open a credit line. The normal payment button was changed to " PayPal Credit '' and I could not select another payment option. I selected this option and then canceled. I was then able to use a drop down to opt out of PayPal Credit and use the normal PayPal Balance for the payment. This auto-opt in to open a credit line is an abuse. I closed the credit line XXXX minutes after it was opened however this will affect my credit score. PayPal credit representatives informed me that a hard credit pull was performed to approve the PayPal credit line. This is NOT okay. I now have to go through a 60 day process to plead to the Credit Bureau to remove the hard credit check from my account.
We have been in a foreclosure where the loan has been transferred between at least 10 different servicers over several years. We have documented multiple missing payments that we proved were paid and multiple undefined charges just marked as " fee ''. We have agreed to a pre-approved mortgage trial/modification plan but the servicer still foreclosed during an agreed upon time that they would not foreclose. They have been DUEL TRACKING on this loan. On XX/XX/2019 we received a letter from Caliber Home Loans that was dated XX/XX/2019 with an offer for a pre-approved trial/modification offer stating we have until XX/XX/XXXX to accept and that there would not be foreclosure while the trial/modification is being followed. We mailed the signed offer to them on XX/XX/2019 with a letter attached that said we agree to the plan but wanted to know what the amount of principle balance would be after the 5 year modification plan ended. XXXX, XXXX and XXXX scheduled a hearing on XX/XX/2019 asking the judge for summary judgement in the case even though we had an agreement not to foreclose unless the plan requirements are not met in the 3 month trial. I went to this hearing and informed the Judge and Calibers attorney that we had agreed to the offer and were waiting for the request for post modification principle balance. The Judge granted Calibers summary Judgement on XX/XX/2019 even though both the Judge and the attorney had been informed of the agreement between us and Caliber. 
On XX/XX/2019 XXXX XXXX, Calibers attorney, called and said that Caliber asked him to notify us that the amount of principle still owed after the trial/modifications 5 year period would be XXXX XXXX.I was very mad at first because the principle balance after the 5 year plan was more than the claim, but that night on XX/XX/2019 after telling my husband of the offer he said to just send the payment and move on. So within 4 business days of XXXX XXXX XXXX phone call acknowledging that Caliber had received the signed offer and answering our after modification principle balance question we sent the first payment due by the end of XX/XX/XXXX only to find out later that evening when opening our mail that they had foreclosed 2 days before XXXX XXXX even called. 
This is DUEL TRACKING which is against the law both Federal and state.