WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I purchased a home in XXXX, CA. I took out a 30 year interest only loan. In addition, I was told I needed to take out a adjustable HELOC for my downpayment. XXXX year later the housing market collapsed. My wife and I had extreme financial hardships. I am XXXX XXXX with XXXX, and my wife had lost her job. We spent years applying for home loan modifications that never seem to get anywhere. In the mean time we stopped paying the HELOC because the payment became to high and our home was very underwater. I was forced to file chapter XXXX bankruptcy as XXXX XXXX XXXX raised my payment while granting me a terrible loan modification. The terms were awful. My wife and I could not afford to relocate as I was no longer working. It was not until I found this website that I finally made a complaint about what I had been through with XXXX XXXX XXXX. With the help of your organization we were finally offered an affordable loan modification. We have been paying our loan mod since aprox - XX/XX/XXXX/XX/XX/XXXX. 

I am writing you because I received a letter from XXXX XXXX about some loan I may or may not have with them. The HELOC loan was originally with XXXX XXXX XXXX but we stopped payments back in XX/XX/XXXX or XX/XX/XXXX because the house was upside down. and XXXX XXXX XXXX sold it so many times we could not keep track of it. I currently do not have any financial information on this debt. The last letter I have regarding a HELOC is from XXXX XXXX XXXX saying it was being sold to SLS Lending dated XXXX. Even then, XXXX XXXX did not have the amount of the debt nor any history of payments, etc. This letter was dated way back XXXX/XXXX/XXXX. That is a long time ago and I have no way of knowing what my payment history was, fees incurred, who has the original title, transfer or sale dates of the loan., etc. So I have not heard anything about this since XX/XX/XXXX. Today, XXXX/XXXX/XXXX I received a letter from SLS. Something about RESPA and QRW and possible enforcement of the lien. But there is no other information on there. I thought HELOCs did not have RESPA rights to information so I do not understand what this letter is for. I can not afford to make anymore payments as I am XXXX and my wife can only work part time. That is why I received a loan modification for my home on a financial hardship term. I do not have the means or resources to leave my home based on a HELOC that may or may not be valid. We still owe a very large amount of this debt vs. the worth of the home. I will be forced to file Chapter XXXX for protection.
XXXX XXXX Opened my Student checking and savings account at Citibank, XXXX XXXX CA branch. 
The banker XXXX explained that the account is free, so I believed it was a free account. 

XXXX. XXXX Citibank started charging a monthly service fee without notice. I had a balance of {$300.00} in the checking accout. 

XXXX. XXXX I received a letter saying there 's not enough funds in my checking account and that I was being charged an overdraft fee of {$34.00}. Because my {$300.00} balance had been used to pay the monthly service fee and my account was now overdrawn. 

XXXX. XXXX XXXX I went to the Citibank XXXX XXXX branch and asked them to refund all monthly service fee ( {$12.00} times 16 months = {$190.00} ) and the overdraft fee ( {$34.00} ). After speaking with the branch manager, XXXX, she refused and said they would only refund for 3 months service fees. They explained that the account was not free and the banker opened a normal account instead of a student account which is free. 

XXXX. XXXX XXXX I contacted the Citibank customer service center and I tried to negotiate a refund of the service fees. The representative processed a refund for 1 month of service fees ( {$12.00} ) without my agreement. I asked them to cancel this refund because I did not agree with it but they said they ca n't. 

Summary : I was taken advantage of by the Citibank XXXX XXXX branch when opening my student account. There was no notification of me being charged fees and after asking them multiple times to refund my money they 've refused. I did n't use this account as I was told it was free, I only checked their e-statements the first few months.
A few years ago I stopped paying my XXXX XXXX XXXX phone bill because my significant other stopped paying his half and I could n't afford to pay both. Eventually, I called and talked with a representative to see if I could make payments to pay it off ( since I was young and knew good credit is essential ). She told me I could n't make payments to them it would have to be the full amount and I expressed that I could n't afford it. So she asked me did I want her to go ahead and send it to a debt collector so that I could start making payment with them since that 's why I was calling in the first place and I replied yes. Months later I was contacted by a debt collecting agency. They sent me a letter in the mail I was n't surprised because this is what the representative told me would happen. So I called the number listed and we came up with a amount I could pay back and a payment plan where I pay {$75.00} until it was paid off which I did last year. I paid {$110.00} on XXXX/XXXX/15 and every month after that {$75.00} would automatically be taken out of my account. That was the agreement until it was completely paid off. Once it was paid in full ... .they stopped taking the money out of my account and I received my last letter from them saying it was paid and never heard anything about this debt again. Until recently I received another letter for the same exact debt which later popped up on my credit report. I still have a few letters from the debt company that contacted me and bank statements.
Simultaneously I applied for, and received, XXXX mortgage modification trial packages with the same bank. My first mortgage was {$44000.00} ( balance owed ), XXXX mortgage was a Line of Credit ( {$150000.00} ). I followed the directions for the trial period to the letter for both modifications. I paid on them for 8 months, then to my surprise the bank refused to accept any more money on the first mortgage and then I received a Intent to Acceleratate. The XXXX mortgage ( Line of Credit {$150000.00} ) converted to a permanent modification without further incident. They are now foreclosing and taking my house away after living here for 28 years. No one will tell me what I did wrong. THEY STOPPED ACCEPTING PAYMENTS THEN SUED ME FOR NON-PAYMENT AND ARE TAKING MY HOUSE. How can they do this and why are they doing this?
I bought a vehicle in XXXX XXXX, which was financed by Tidewater Finance Company. I had misgivings about the purchase and I knew it would be a very tight budget situation, but with the salesperson 's coercion, I purchased the vehicle. In XXXX XXXX, I wrecked the vehicle in a parking lot and I was responsible for the deductible to have the vehicle repaired. I was unable to make the payment for the deductible AND my car payment at that time, so I did what I had to do and paid the deductible to have the vehicle repaired. From that point forward, I have been late with my payments. I have kept in touch with Tidewater throughout all of this, but I have n't been able to catch my payments up and with some other unexpected debt, I have n't made MONTHLY payments on a regular basis. I filled out an online request to work out a payment arrangement, but I was told that the loan was too new to work out a payment arrangement, however, they said they wanted to work with me. I have been trying to make some form of payment each month, but have n't been able to make any full payments. I do, however, see my way clear to make up the past due amount on XXXX XXXX. I was in contact with Tidewater Finance on XXXX XXXX and XXXX, both by email and by telephone. They were so rude and nasty to me and have been ever since that I do n't even want to deal with them anymore. I have refused to contact them anymore other than by email. I have attached a copy of the email telling them that I am not comfortable talking to them and prefer to communicate via email so that I have a record of our communications as well as them having a record. They keep sending me text messages and emails telling me that I have to call them and that they want to work with me, however, everything that I have told them I can do has been turned down. Immediately after they turn down what I can offer, they send me another message telling me that I have to call to speak with management about an arrangement. They never let me talk to management, or rather, every rep I speak to tells me she is an account manager and every one of them have been so rude and nasty. I have made what I feel like would be a doable offer, and that is to pay all of the past due amount, on XXXX XXXX, but they wo n't accept that and they said, basically, that I should be able to do better. I am attaching email communication which I believe explains a great deal more about the way I have been spoken to.
I currently have a subscription with Equifax for the " Premier Plus '' monitoring service. For the past 30 days this service has n't been delivered as agreed ; yet the monthly service fee continues to be debited from my bank account. I have spoken to multiple technicians and customer resolution specialist regarding the situation however the problem still exist.
The main issue centers around on every occasion I attempt to access my credit report through this service ; I 'm given a systemic error message that tells me to contact Equifax. Upon contacting Equifax I 'm placed on hold for approximately 30 to 45 minutes with no resolution ; I 'm basically told its a problem with the system.
i had a {$500.00} revolving line of credit with Regions bank. I paid it satisfactorily and decided to close it. i opened the line of credit XXXX and closed it XXXX the account number reporting on XXXX , XXXX , and XXXX XXXX XXXX XXXX. they call me still 3 to 4 times a day to try and collect on the balance that has been closed for the last 4 years. i have proof that it is paid in full and closed.
XX/XX/XXXX Started and online dispute with experian Report number:XXXX tried to check status there system states number is incorrect. 
Call them XX/XX/XXXX at XXXX there is no option to correct this issue
XX/XX/2018 WELLS FARGO BANK AUTO made a hard inquiry when I was looking for a pre-qaulifying loan. no credit report was send to me and I never actually finish the application and they still did a hard inquiry.
Credit bureau is in violation of FCRA and has not physically verified the original contract with my signature on it.
I opened a student loan in XXXX 2013 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have NOT found any help. Not to mention how did {$4500.00} go to {$5100.00}?
I was notified from my XXXX accoutrements say I 'm in collection status for a debt. Hillcrest Davidson and A XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
titlemax called me many time telling me to contact them. 

I answered one of their calls. told them I had no business with themthey called me a liarthey wanted me to give them personal information which would have allowed them identity fraud on methey kept telling me to XXXX payment and I never dealt with them ever in my life. 

I tried to be nice and explain they had the wrong person. 

when I asked how they got my phone number, they said it was in their " system '' they said I live in XXXX, I never lived in XXXX. I told them numersous times I did not live in XXXX, never did, they kept telling me I was a lair. and was lying to them. and to fess up and make payment. 

this is unacceptable harassment and trying to collect money from me and I never had had any dealing with themtheir phone number isXXXX
Suntrust bank charged me XXXX $ to cash a check that one of my customers had written to me. 
It was drawn on Suntrust Bank, so I walked in to the bank and was told that they would take XXXX of my dollars to cash the check. 

This is dishonest, they should not be allowed to take my XXXX $ to cash there check, it is thievery out and out.
I cancelled XXXX in XX/XX/XXXX and sent back the box to them. After this date, I was charged for services that I did not receive and was charged for the box which I returned to them. Two debt collectors have reported this information incorrectly to the credit reporting agencies.
I have been receiving phone calls daily for the last 6 months or longer.from a collection agency called, XXXX XXXX XXXX XXXX. I started out not listening like they asked, When they continued to call everyday, I decided to listen so I could see if they left a number I could call them back.I found a number XXXX XXXX XXXX XXXX. I called & left a message with my Name, & phone number, and told them It wasn't the same name as they were trying to reach. I left that message numerous times & never received a call back.I do not have any Dates or address, of the company,
I have sent in an Affidavit of Identity Theft back in XXXX 2015 to all three bureaus. XXXX has deleted the Public Records off but TransUnion and XXXX have n't, claiming it was verified, which is a boldface lie. Besides the public records, there where several fraudulently accounts open using either, my name, social security number and addresses that I did not live at, during the past several years. I 'm just becoming aware that I can fight and get these items removed because it was fraud. Even during the investigation someone tried to get cable service under my name in another state and I filed a police report immediately, when I receive a copy of the report from MN Police Dept, I faxed it in to all the bureaus, to show that even during an investigation of identity theft, someone was trying to open account yet again. Still no change with the removal of these adverse accounts of public records, cell phone carrier accounts and bank accounts continue to remain on my report. Faxed in all the required documents and with all that no change on TransUnion and XXXX part, if anything its been a nightmare being a victim of identity theft and then having to fight with bureaus is just insane. Then they keep adding additional things on my report, like where are you getting this information from? I 'm fighting to get things off and they keep adding thing. Then have the audacity to purchase their credit monitoring service, why would I purchase something and your reporting fraudulently items on my report? I have also requested removal of any other addresses and phone numbers, constantly told they will and to no avail additional phone numbers and addresses remain. Just want XXXX address and contact number, that 's it. How hard is it to do that? Its been an on going cycle since XX/XX/XXXX and I 'm just fed and ready to take legal action against them.
Previously, In XX/XX/XXXX, I disputed a collection account on my Experian credit report. 
Dispute # XXXX Experian notified me of the results of the dispute on XX/XX/XXXX. They deleted the collection account from the original debtor was XXXX XXXX but had been sold to XXXX XXXX   XXXX prior to the dispute. 
Account # XXXX This item was removed from your credit report. 
XXXX XXXX  First reported XX/XX/XXXX Sold to XXXX XXXX XXXX   Account Name XXXX XXXX Account Number XXXX Account Type Credit card Individual Responsibility Date Opened XX/XX/XXXX Closed {$220.00} written off Status Updated XX/XX/XXXX Monthly Payment {$0.00} Credit Limit {$200.00} High bal {$320.00} t was removed on XX/XX/XXXX. I was notified of this on XX/XX/XXXX and have attached to this complaint report # XXXX that shows they removed it. 

Now 60 days later it appears on my Experian credit report again. My issues are that this account was already removed from my credit report because of my previous dispute. In the dispute results report there is a section that shows my credit report " before '' the collection account was removed. It shows XXXX XXXX XXXX as the owners of this collection account. 
Account Number XXXX. 

This account was removed and then recently it reappeared on my credit report. 

Now the General Account Info is different but it is the same account. 
Account Name XXXX XXXX XXXX Account Number XXXX Acct Type : Debt Buyer Responsibility : Individual Date Opened XX/XX/XXXX Status : Collection acct. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$220.00} Bal Updated XX/XX/XXXX Recent Paymnt Amt $ XXXX  Monthly Payment {$0.00} Original Balance {$220.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Once again I request proof of this debt. I have already disputed this collection account reappearing on my credit report with Experian. The dispute number is Report # XXXX dated XX/XX/XXXX. 

I have requested proof of this debt and have not received any response. 

Get this removed from my credit report or give me proof of the debt
XX/XX/XXXX put my account into forbearance. Was charged a {$100.00} fee. XX/XX/XXXX was told that I could not put my loans into deferment. Got a bill for over {$800.00}. Called to resolve the matter asking for a lower interest, and was outright denied. Was told that the interest only payment was over $ XXXX/month. Was asked to pay this amount and could n't because I was living on SSI with an income of {$730.00}. I can not make these payments and I still live on SSI. I have not made any attempts since XX/XX/XXXX to resolve the matter or make payments. The {$50000.00} loans now total over {$100000.00} and I am still getting calls from creditors to collect on this.
Hello there - My payments have been mostly steady over time ; I chalked up minor fluctuations in the minimum payment to be the consequence of my own tendency to pay different amounts toward my student loans each month ; some months, I had an extra {$20.00} or {$40.00} to put toward the loans, so I did. I have only ever paid more than the amount due, be it {$2.00} or {$50.00}. I assumed this was why my minimum payments occasionally jumped by {$10.00} or {$15.00}. I did n't think much of it. 

However, upon logging in to make my payment this XX/XX/XXXX, I saw a {$100.00} spike. After conferring with a friend, I discovered that I was required to re-certify my income in order to maintain my current repayment plan. But FedLoan Servicing had 'notified ' me by sending a message to my account on their website, a small and unnoticeable section of a portal I use exclusively to make payments. It was akin to posting a sticky note on the community bulletin board in XX/XX/2017 - not only does no XXXX use bulletin boards, but a small sticky note posted among the decade-old XXXX newsletter felt deliberately deceitful. 

Now the interest has capitalized and I 'll suffer the consequences of XXXX 's failure to notify me of the need to recertify. It was either a lazy attempt to notify me or deliberately deceitful. XXXX is too weak an adjective to describe FedLoan servicing 's failures. Would it have been so difficult to send an automated email regarding this? An automated follow up?
I attended XXXX XXXX XXXX in XXXX and the school closed in XXXX, applied for a student loan forgiveness and I was told I cant get it
Dear Sirs, I use my XXXX checking Bill Pay service to automatically pay my monthly bills. When you bought my mortage from PHH there had never been any problem with on time payments. Several months after you acquired my mortage I received a notice that I was overdue on my payment. I immediately contacted my bank and they had sent the check for {$1100.00} on XX/XX/18 but it had never been cashed. I was told it was never received by someone at Loan Care. I had my bank stop payment on the check and also immediately issue a check ( or credit card ) for {$2100.00} on XX/XX/18 to bring my account current. They also sent you a check for my regular payment of {$1100.00} on XX/XX/18. The person I talked to at Loan Care said they would remove the late fee since you lost the check. Someone " found '' the check and attempted to cash it. 

On XX/XX/18 I was sent a letter stating I had a {$25.00} fee because of a returned check from my bank. This was the check you claimed you had never received that I stopped payment on because you claimed it was " lost '' and in spite of the fact I had made a double payment and my account was current. 

I talked with XXXX ( XXXX ) about my complaint and asked that the {$25.00} return check charge be removed. She said she had no authority to remove the charge. I asked that my mortage be transferred back to PHH. She said that could not be done and that I was required to write this letter to you. I am very unhappy with your company and your lack of professionalism. Mine is a VA loan and I will be filing a complaint with the VA. Please remove the {$25.00} return fee and have my mortage transferred back to PHH. 

overcharge on XXXX # # # # # # # XXXX Loan CareXXXX
PNC Mortgage and PNC Bank held the 1st and 2nd mortgage on my previous home. We settled on a short sale with both entities in XX/XX/2013. PNC Bank is still reporting our balance due on mine and my husband 's credit reports preventing us from obtaining a new mortgage so that we can move on after the hardship.
on XX/XX/18 XXXX  XXXX pulled funds from my bank card they did not have permission to pull from. I contacted XXXX with the collections dept and informed her and they stated they would refund the card and that she would be in touch with me after the refund took place to set the future payment plan. On XX/XX/18 i received a call from her stating a payment needs to be made today as my pay date is tomorrow. I told her whoa you just contacted me and want a payment. She stated i called you on XX/XX/18 and you didnt return my call. I stated ok you never left a message and im not going to awnser a number i dont know. She said well the phone works both ways XXXX so dont come at me like that. She said hold on im gon na send you to the general manager. I forgot his name but he was rude. Stated he would send this to my bank as a fraudulent transaction. He stated he would require payment now and he wasnt going to play games with me and this will be handled man to man. He was one of the rudest people i have ever encountered on a collection call
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; ACCEPTANCE NOW XXXX B LENDMARK FINANCIAL XXXX XXXX SECURITY CREDIT SERV XXXX SUNBELT XXXX DESIGNED RECEIVABLE XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX CRED XXXX SUNBELT XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX