WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : I have lived in the XXXX Arizona area since XXXX. I bought my home in XXXX XXXX in XXXX. This home means so much to me since it was my project to have it built from the ground up after a very emotional, messy divorce. I have endured many hardships from that point to now, but I still love my home and I do n't want to lose it. Unfortunately, I might because my lender is trying to foreclose on me. My home is scheduled to be sold on XXXX XXXX, XXXX!!! 

I did have my loan modified in XXXX, but the payment came out too high. From that point on, I have not trusted my lender or the modification process. I struggled but I made those mortgage payments until I started having medical issues in XXXX. I eventually had a XXXX in XXXX. I missed a lot of time at work and had to pay a lot of out-of-pocket expenses ( co-pays and deductibles ). I finally defaulted on the mortgage at the end of XX/XX/XXXX. Because of my poor experience with the last modification, I had no trust in trying by myself to get my loan modified again. I hired a law firm to help, but they got nowhere in dealing with this. 

I am a XXXX. I 've been in this industry for XXXX years, certified for the last XXXX years. When I went back to work after my XXXX, I had to deal with a lot of XXXX. I was falling further and further behind on my mortgage since any payment I sent would not be accepted, and I was n't getting anywhere with the modification process. That led to me being diagnosed with XXXX in XXXX of XXXX. I immediately had XXXX again and then XXXX in XXXX of XXXX. I hope to remain in XXXX now, and I 'd like to now solve my mortgage issue. 

I have not been assigned a single point of contact nor have I been offered any sort of assistance or repayment plan to get my payments on track. I believe that my loan fits squarely within government guidelines. I do n't need nor do I want a handout or anything that I do n't deserve. All I want is a little assistance in getting a loan modification that lowers the payment to a level that is sustainable moving forward. My financial future looks bright and I hope to be past my medical issues. I do n't anticipate having any financial issues moving forward if I can get this resolved reasonably. Thank you in advance for any help you could provide.
Trans Union deleted and then reinserted the inquiries without notifying me. Inquiries fell aoff and I never received the 5 days notice..
Well, I called bank of America due to a charge I did n't authorize on XXXX XXXX, and noticed, because I got an alert about my account. So, I called optimum and they said at this point they ca n't help me get my money back, but my bank should be able to help you. So I call bank of America customer service and get the nastiest lady on the phone, she does n't even let me finish, and I explain my problem and she says there 's nothing we can do for you bye and just hangs up! I am upset and thrown back by this! I get a call from the claims dept, and call back and nobody answers or calls back ever!! I have called twice already and left messages and nothing. At this I do n't want to deal with anymore rude people from the bank and just want the bank to plz reimburse me my {$210.00} I never authorized to be taken out my account.
Repetitive phone calls to place of employment identifying themselves, XXXX XXXX XXXX, and asking to speak to me using full name and under the guise of a " personal financial issue. Aggressive and unprofessional.
Back in XXXX and XX/XX/2018 we contacted The Money Source due to the company never applying our mortgage payment to our account. We have letters and cashed cashiers checks with dates stating they had and received the payments. The payments were never applied to our account causing in missed payments and missed payments on our credit reports. Each payment that was made with a cashiers check seemed to have an issue with the payment process. We contacted The Money Source and still have not received an email or call back regarding this issue. We were told that the issue was being looked into, but still have not heard a thing since.
On XX/XX/XXXX an XXXX XXXX retail credit card was opened using my information. My ex husband thought he'd surprise with the account as it would qualify me for several discounts. 

Upon finding out how this would negatively affect my credit, I immediately closed the account on XX/XX/XXXX. There is no balance owed and the account is in a " Closed '' status.
XXXX present the wrong verification of claim in my chapter XXXX. I over paid in the chapter XXXX. XXXX sent me a letter out expressed I was just assume to pay XXXX and I paid XXXX. On the last letter Chase expressed I did n't pay anything besides XXXX. I have enclosed my Chapter XXXX print out to demonstrate what I paid.
I closed my checking account with Wells Fargo on XXXX XXXX 2016. I did it online and got a message on the screen telling me all my remaining funds were going to be sent to me by mail. About a month after that I called the bank and they indicated that the check had been returned due to a bad mail delivery and that they were gong to try rensending it. I did n't hear from them anymore for a while. In XXXX I went to a branch located on XXXX XXXX in XXXX and talked to XXXX XXXX there. He called the Bank for me and was told to ask me If i was still residing in an address in XXXX. I have never lived in XXXX. So they said they were gon na see what options they had to finally send me my money but most probably they were going to send me an affidavit by mail to confirm my address and once I return it I will get my money. It 's already the XXXX and I have not heard from them at all or received anything. They owe me at least more than {$200.00}. I do n't know the exact amount. At this point I 'm suspecting they probably also create a fake account or accounts in my name because I have never lived in XXXX. Only in XXXX and XXXX.
I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/2018. I would like to have the judgement removed to to the fact it was obtained illegally and purchased from a third party agency illegal. Thank your for your support.
In XX/XX/XXXX, my debit card was compromised. Upon fraudulent activity, I canceled the card, before I received my new from XXXX XXXX, all my social security benefits were stolen. I'm XXXX and feel violated. I went on the Equifax impact site and learned my sensitive information was impacted. On XX/XX/XXXX, I was informed that I am on the XXXX data breach as well. My old email was breached and now I am at a lost for words. They even tried to change my home address. I became paranoid and afraid that someone knew my home address. My XXXX and XXXX was and still is unbearable.
If I had n't been given incorrect information by Chase Card Services employees, repeatedly, related to Billing Dispute XXXX via Chase Card Services : Case # XXXX My Acct ending XXXX I could have been working on solving this problem during the time period of XX/XX/XXXX till XX/XX/XXXX when I finally was forced to pay the entire sum of {$4800.00} or incur interest rate charges of over 13 % In other words I lost all of the leverage that I had XXXX XXXX along with precious time due to inaction borne out of my thinking that this problem had been solved. Chase Card Services had all of my calls routed to a call center in XXXX, XXXX where calls were never answered directly, the telephone message box was full or returned calls were incomprehensible due to language problems on the part of the caller. I attempted one last time to have the charge reclassified as " in dispute '' and was met by stalling and bureaucratic responses by Chase employees who apparently had no authority to do anything but repeat scripted stock responses. 
My complaint is that incompetence and ineptitude on the part of Chase Card Services employees may have resulted in my having to pay a cost which I might had otherwise avoided had they given me accurate information. I find this impersonal bureaucratic approach to customer service, where the bank puts the interests of the merchant ahead of the customer, or where the sloppy and incompetent handling of the case by the bank 's employees leaves the individual customer on the hook to be completely unacceptable and I am seeking redress. 
See the attached PDF for full details.
When I checked my TransUnion credit report, addresses listed for me included XXXX I had never lived at, although my daughter and her husband had lived at XXXX some years back, and my son had lived at the other when he was in the XXXX, again years ago. I disputed the errors online. Sometime later I got a form letter in the mail stating " Here is the ... report you requested. '' They had removed XXXX address, but not the other ... no explanation why, of course. I tried to dispute online again, but for whatever magical reason, their system would n't let me. So, I downloaded the mail-in form, filled it out asking them to please remove the incorrect address, and also included a copy of my deed with a request that, while they were at it, could they correct the date at which I moved into my current address from XX/XX/XXXX to XX/XX/XXXX. Some days passed and I got a copy of the same credit report in the mail, no changes, with a form letter stating " Here is the ... report you requested. '' No mention of the dispute. I called their contact phone number. I asked that the incorrect address be removed ( I abandoned trying to correct how long I have lived where I live ). The representative said the error would be fixed. A few days later in the mail I got the same report, same form letter. Acting like an idiot, I called again. Again I was told that the erroneous address would be removed. Guess what I got in the mail today? This is a very simple problem. They ca n't fix it. Yikes!
A company has called myself, my wife and my mother. All three times they have threatened a pending civil lawsuit against me.They have given me a case number and phone number to Trustmark Corporation. I called Trustmark and asked them to send me the information regarding the debt and pending lawsuit. They have never done so, yet the original company continue to call us threatening a pending civil suit.
I have been working on my credit report day in and day out for 8-10 hours a day across all three agencies. XXXX  and XXXX  are complete however, I Have received zero updates from equifax. when trying to check the status of my disputes on their website, it tells me my personal information is incorrect. The first time I called in an agent from another country stated that their online system was down ... ok. so I waited a day adn tried again. Again the system tells me my information is incorrect and I am unable to check the status. This has continued to happen for over a week and a half now. I also asked them why I was never notified that my personal information was stolen from their system during the breach. They had no answer and blew me off when i requested free credit monitoring for a year under their trusted premier thing. They stated it was past the time line to sign up for that.. Had i known about their inability to protect my information i would have called sooner.
We have reached out to Freedom Mortgage several times regarding the Private Mortgage Insurance placed on our mortgage loan. Every call has been recorded according to their disclosure with the initiation of our conversation. Our current Loan to Original Value Ratio is 78.8 %. We have had two conversations with their mortgage brokers where we were told that we could send a letter to request the  removal of the PMI, but it really wasn't necessary because it will drop off in " XXXX '', which is in 2 months. So we sent the letter and was told that we have to have another appraisal. This costs {$500.00}. Our thought process is why should we have another appraisal when we have two months left? We can use this money toward our principal. Well after several more conversations : XX/XX/XXXX I spoke with ID # XXXX and was disconnected. I called back and spoke with XXXX @ XXXX on a recorded line. I was told " qualifies for PMI removal scheduled to drop off by self. '' Loan meets 2 requirement. Then he stated we had to be @ 75 %. 
They are not providing a logical reason to us that makes sense for why we are still having to pay PMI. Our original disclosure statement for PMI states that the PMI will automatically terminate when it reaches 78 % .They have this date scheduled. However, even if we reach 78 % prior to this scheduled date, they refuse to drop the PMI without an appraisal, which is not listed in the section discussing automatic termination.Today I called and spoke with XXXX ID # XXXX, she refused to allow me to talk with some in PMI and said that they do not take direct calls. I then was sent to her supervisor, XXXX ID # XXXX and was told that the PMI would not be removed before XX/XX/XXXX without an appraisal. We are not sure of why we had to have PMI in the first place because we put down over thirty thousand dollars when we bought this house. Please help. Thank you.
Dear Officer, I am a loyal customer of Bank of America for a long time. I opened a Home Equity Line account ( Account number XXXX ) with Bank of America in XXXX. When I did my home refinance with XXXX in XXXX, Bank of America ensured me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
Before XXXX, I suddenly noticed that my Home Equity Line Account was closed. I immediately called Bank of America, and was told that this account of mine would be reopened for me within 10 days. However Bank of America has never reopened this account of mine! 
How could Bank of America break its promises to a customer repeatedly? Why should a bank have different policies? 
As a fiduciary, Bank of America should put the interests of its customers in the first place and must keep its promise to the customer! It not, Bank of America must pay for the damage caused. 
Thank you! 
XXXX
I have disputed several fraudulent accounts, names and addresses associated with my Equifax credit report the last year and Equifax has failed to remove them. 

I have sent certified mail, faxed as well as called and spoke with a live representative over the phone to no avail. 

3 addresses still show on my credit report that does not belong to me. 4 fraudulent accounts still remain even after sending police report, IC3 report, and FTC Fraud report. 

I am unable to review my report online or dispute items using the online route due to the verification questions asking questions unrelated to my real identity due to the fraudulent accounts and addresses. Due to this, I have to mail in my disputes which takes longer than normal. I have faxed in my ID card and SSN more than a few occasions yet Equifax are continuing to display a mispelled name on my credit report!
I agreed and did pay {$180.00} Monthly to a company named Ameritech Financial who told me they dealt directly with who held my student loan at the time. Over a period of time my loan was bought and sold a few times and I had a hard time keeping track of the company who had it, the balance and other things. I noticed every time my loan was moved Ameritech would contact me an RE-establish a commitment for me to pay them an amount of money based on my monthly loan charges.They convinced me that they would get the loan company to lower the monthly rate and that they would make the payment on my account through their services. I checked my credit recently and see that I had negative activity on my account multiple times with the same vendor. I contacted the vendor who was the owner of the loan ( whos name I cant remember at this time ) and was told my account was not current/up to date and that AMERITECH had not been making any payments on my student loan Account for as long as i Have been paying them. The company told me that Ameritechs brand/style of business is to purposely let the account become delinquent. I then cancelled all electronic automatic debits that I agreed to let them take from my account monthly.
Credit Report suddenly shows 10 XXXX loan accounts passed due 90 days. I am still XXXX XXXX and have not received any request to pay on these loans. My loans are not due yet. I need these removed from my credit report as late payments immediately.
I have not received any correspondence requesting payment. My address is till current. I am currently enrolled in school.
dispute the information in the credit report. 
The letter they sent was to a postal address of a PO Box in Puerto Rico in which I no longer receive postal correspondence because I do not live in Puerto Rico. Currently, I am living in the state of Texas about two years ago, so I did not know about the letter, but after the payment due date of the loan a relative who received the letter addressed to my name in Puerto Rico could not send me to Texas the letter from XXXX, because Puerto Rico for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.
Early Warning of XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX who is representing XXXX  XXXX XXXX and or XXXX  XXXX XXXX has erroneous insinuated that I ( willfully, knowingly and intentionally ) transacted and or attempted to transact with an account in an unauthorized manner ; when in fact I was the victim of a fraud perpetrated by persons outside an ATM in XXXX XXXX  XXXX. ( The Circumstances of which are outlined in the attached documents ). 

I have had no further correspondence from Early Warning since the earlier part of this year despite seeking vitiation of this matter.
On XX/XX/2018 and and XX/XX/2018 i sent a debt validation letter regarding this account to Portfolio Recovery Associates LLC. See the attached letters. Asking them to show written agreement of the alleged debt in question as it is shown on all 3 major credit bureaus reports. it is unlawful to report an unverified/unvalidated debt. I got a response from Portfolio Recovery Associates on XX/XX/2018 see the attached letter! and it was vague and did not address the issue.
I have made attempt to contact Capital One for over a year in regards to my account. I spoke to a representative a few months back and asked her to send me the information they used to report my account as a charge off to the credit bureau. Instead of sending me the information, they sent me a form to fill out. I sent the form back twice and they never sent me the information. They have yet to verify the information that is reporting on my credit.
The representative from this company contacted multiple friends and family members repeatedly to get us to contact them in a matter of 4 days time. This was even after I contacted them the FIRST day they called. I was spoken to with very ride, aggressive, and harsh language! I asked them to stop contacting friends and family, as well as my husband and I. They then threatened calling my husband 's work and filing a judgement.
I have a mortgage that is a XXXX account. I have been trying to get a loan modification from Nationstar Mortgage and without success. Finally they sent me a letter offering a modification with the monthly payments higher than what they were before. My home has been sold from one lender to another. The balance they are reporting is not accurate. many of my payments are not showing and only a small portion is showing. Please help me with this matter
I had a medical bill that was assumed by myself in the amount of {$420.00} that was paid in full. I disputed the claim after the creditor agreed that I would pay the amount to delete from my credit report. After waiting 60 days, I contacted the bureaus ( Equifax, XXXX, XXXX ) again. The reason am I now filing a complaint is they have notated my account falsely and severely hurting my chances of obtaining new credit. 

They have put remarks into my account that I have received " Personal Receivership - Repayment by Court Trustee '' in paying this debt. NOT TRUE. I have NEVER even been to court, let along filed bankruptcy. I have no record of any other collection except for this account amounting in {$420.00} that I paid and submitted receipt for from my XXXX card. 

When I bought my vehicle 2 months ago, they came back to me about a bankruptcy!!! I was appalled! I have called the bureau several times, and disputed this account 4  times now. I will be obtaining a lawyer and moving forward with this, as this is hurting my livelihood. I have worked hard to earn the credit that I have, and now this is slamming me and my integrity into the ground. I have attached receipt to original debt that I paid with my XXXX card.
I was a member of XXXX XXXX XXXX, TN for about 3-4 months. I paid through direct deposit and cancelled XX/XX/18 and even went up there in person and they told me I was cancelled and that I had no debt, but I have no proof they said that. They sent me a letter ( which I still have ) on XX/XX/18 telling me I owed them {$16.00} and that my cancellation date was, in fact, on XX/XX/18. I called them a few days after and they said they would delete the debt and that everything was fine. On XX/XX/18, I received mail from XXXX XXXX XXXX XXXX  XXXX ( which is partnered with XXXX ) that they are a debt collector and that I owe them {$65.00}, but I didn't see the mail until XX/XX/18, because they didn't send it to my current address, because I am living on-campus. I called them on XX/XX/18 to tell them I wanted to dispute and they told me that they couldn't help me and to send them a written notification and that if I didn't have any proof, I would be out of luck, which is when I went searching for my original letter from XXXX. I am sending my dispute hopefully tomorrow with a copy of the letter.
I negotiated the purchase of a new home for {$430000.00}. I submitted the original purchase contract, stating a purchase price of {$370000.00}, as well as all amendments to my lender as requested with the final agreed upon purchase price of {$430000.00}. The appraisal was ordered on XXXX XXXX, 2016 and performed on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received the appraisal directly from the vendor electronically referencing a Contract Price of {$370000.00} and an appraised value of {$410000.00}. Unfortunately for me, the Contract Price was actually {$430000.00}. The appraisal even stated that the property appeared to be selling at a discount due to 'pressure to sell '. The appraiser used XXXX relocation properties and XXXX foreclosure for comparable. The appraiser appeared to be 'trying ' to get the appraised value lower and closer to the Contract Price based on several factors. 
I informed my lender at the time of the error and they contacted the appraisal vendor. I did not hear anything for a few days and eventually received a 'corrected ' appraisal reflecting the correct Contract Price of {$430000.00} but still stating an appraised value of {$410000.00}. The 'corrected ' appraisal also detailed in the addendum that they WERE NOT provided the amendments to the original contract price until XXXX XXXX, 2016 and that was the reason the {$430000.00} Contract Price was not utilized for the appraisal. As well, it was noted that the appraised value could not be changed. 
The lender was negligent by not performing the industry standard expectation of presenting the appraiser with ALL of the contract paperwork including all contract amendments. Ultimately, this appraisal could not be used for the purchase of my home due to the negligence of the lender.