WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm a XXXX year old XXXX that has a 10.99 % interest rate on my primary property with loan servicer Select Portfolio Servicing. I requested a refinance so that I can lower my interest rate and mortgage payment and SPS advised my to apply for a loan modification. I was approved for a loan modification with an interest rate of 9.74 % and they added {$2000.00} to my principal balance. SPS claims they based the loan modification on the information that I sent in. However, the information that I sent illustrated an income lower than they income they used to structure the loan modification. SPS wants me to start a trial loan modification that I strongly disagree with because the income is n't correct and the interest rate is too high
We ( my wife and I ) are the victims of a Ponzi Scheme. We refinanced a mortgage in XX/XX/XXXX. My wife signed the note. I did not. The alleged Lender, XXXX XXXX XXXX XXXX, falsified our financial information, understated the finance charges by more than {$200000.00}, did not give us an accurate payment schedule, and also did not lend us any money. Another, non-disclosed financial entity seems to have funded the alleged transaction, but this entity was not licensed in Illinois to do so. 

On XX/XX/XXXX, we rescinded the transaction. We have a copy of the letter, proof of mailing, proof of delivery, and proof that we recorded the rescission in XX/XX/XXXX. 

To date, more than 3 years have passed, and all the parties involved have ignored the rescission, failed to pay us back, failed to remove all liens on our property, and have failed to do anything at all. 

They have continued to commit crimes in State Court by filing a Motion for Summary Judgement in XX/XX/XXXX, several years after they received the letter of rescission. We are still fighting Ocwen Loan Servicing, XXXX, as Trustee for XXXX XXXX XXXX XXXX, MERS, all their lawyers who are aiding and abetting, and XXXX XXXX. We need help. Your help. You state that you enforce the laws. These are felonies. 

They are time barred from collecting anything ( US Supreme Court in XXXX ; West Virginia Federal Court in XXXX XXXX XXXXXX/XX/XXXX XXXX ; Illinois Appellate Court in XXXX XXXX XXXX ). 

They refuse to stop. The Rule of Law does not exist in Illinois.
I was an ID theft victim in XX/XX/2007, and when it happened I notified all three credit bureaus who in turn assigned me a security freeze password that can be used to lift the freeze at my discretion. I moved from that state to another, and that 's when the problem started. When I put a change of address, I mailed all three credit agencies my updated driver license, a billing statement with my address, a copy of my social security card and the original police report of the ID theft incident. XXXX XXXX and Experian both immediately updated my records to reflect my new address ; Equifax did not. Instead they incorrectly inputted XXXX of my old addresses, but I did not XXXX this until several months later when I needed to lift my security freeze. It would not allow me to do it stating my information did not match their records. 
XXXX attempts to clear this up by contacting Equifax and nearly XXXX years has past, yet I 'm still arguing with Equifax. When I call I get transferred over seas, back to XXXX, back to overseas until I get so mad I hang up. I 've faxed them written requests XXXX times. They responded once by telling me they ca n't help me until I mail them proof of who I am which I had already done. They did respond and correct my address, but then once again when I attempted to lift the freeze, the recording said my information did not match their records. Last month they mailed me XXXX letters, neither of which addressed my original complaint which is by Oregon law, I 'm entitled to transfer my security freeze to another state, yet Equifax tells me I no longer qualify. My last letter stated to them that if they did n't get this fixed, I would file a complaint against them. They have not fixed it, and last month I needed tires. My tire shop uses Equifax exclusively so I could not apply for credit to get tires. I 'm not driving until I can get tires as Equifax has me held XXXX. Please help.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : XXXX, XXXX, XXXX, and Wells Fargo XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX Attn : CFPB This account originated with XXXX, which was later acquired by Wells Fargo. This was never a federal or any other government student loan. It was private, and therefore should be off of the credit file after XXXX years from open date of XXXX. Despite my requests, they will not send me the original credit note after you fully verify this with Wells Fargo. If they can not provide this, per FCRA they must remove this from my credit file. 

XXXX XXXX XXXX
I received a call at XXXX from Harris and Harris, regarding a debt for unpaid tolls. The amount of unpaid tolls is less than {$100.00}, yet they are pursuing me for {$2000.00}, which is ridiculous. The tolls are from around six months ago. 
During this call, the agent told me that it was a municipal debt and it was a crime and that I could go to jail. It is my understanding that they can not suggest that I could go to jail, nor can they misrepresent the debt. 
In addition, I am currently legally XXXX and get only {$730.00} a month, which goes all to rent. I eat at the food pantry. It is also my understanding that they can not pursue you if you make under a certain amount. An amount of which I am sure I make less than. 
Can you please assist me in this matter, because I do not wish to get any more threatening calls from them? 

Thank you very much for your time.
On XX/XX/XXXX, I opened a select checking account at SunTrust at their office located at XXXX XXXX XXXX, XXXX, TN XXXX. This was after multiple attempts to open it online and over the phone which all failed. I was told that I had to go into the office to open it, so I did. 

I opened this account with SunTrust only to fulfill the requirements for the SunTrust XXXX Mortgage Program I joined for my condo. SunTrust sent me a flyer advertising a {$250.00} reward for opening this select checking account ( attached ). I read the flyer and was under the impression that as long as I fulfill all the requirements listed there I'll receive the {$250.00} reward. So I made the {$100.00} deposit on account opening, set up the $ XXXX monthly direct deposit for my salary, and made more than 10 purchases with the SunTrust debit card. On XX/XX/XXXX I contacted SunTrust via their online portal asking how I would receive the award and I was told that to receive an answer I had to go into a local office. So I went to their office on XXXX XXXX on XX/XX/XXXX and the agent told me the problem was that the promo code on the flyer was not documented at the account opening. He said he would contact relevant staff the same day. There was no update. So I contacted the staff who had been in touch with me as I was originally applying for the mortgage. There was still no update. 

This is very frustrating because during the multiple contacts with the SunTrust staff when I tried to open the account online, over the phone, and in person, no one ever asked me about promo code. And the so-called promo code was placed on the top of page 2, which doesn't even say " code ''. Therefore I didn't notice it until the agent told me about it when I was at the XXXX XXXX office on XX/XX/XXXX. Now SunTrust is saying this was not documented at account opening and refusing to give the {$250.00} reward. I feel like this is a trick they play on me as a customer. The process of opening this checking account has been long and difficult enough, and now they are refusing to fulfill their promise even though it's not my responsibility. 

The whole experience of mortgage application and checking account opening with SunTrust has been unpleasant. I would not recommend it to anyone based on what I went through.
For almost two years I have made payments on time to XXXX XXXX XXXX for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to XXXX in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified XXXX that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. XXXX received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.
I opened up an account at Huntington Bank at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. 

I deposited over XXXX in the form of a check and they keep placing holds on the money over the standard period for no real reason. I came in to get XXXX and was denied 7 days after I deposited the money. I asked them to contact management and the women did not get anyone and made a fake phone call.
PHH Mortgage ( PHH ) has failed to provide me timely and appropriate notification of my loan transfer in accordance with 12 C.F.R 1024.33.

PHH is/was my mortgage loan service. On XX/XX/XXXX, I received a letter from XXXX XXXX ( XXXX ) explaining that PHH transferred my loan to XXXX effective XX/XX/XXXX. PHH never sent me notification ( either physical or electronic ) of this transfer, so I did not know if the loan transfer was in fact real. After checking my documents online on PHH 's website. I confirmed that there was no official indication from PHH that my loan was transferred. In addition, my account in PHH 's website contained a new statement asking for my next mortgage payment by XX/XX/XXXX.  At this time, XXXX was also asking for my next mortgage payment by XX/XX/XXXX. It was not until I personally called PHH that they confirmed that my loan was transferred. While on the phone, I asked to speak to a supervisor. They kept me on hold for about 30 minutes and then hung up on me. 

How is a customer suppose to maintain proper financial standing if loan servicers transfer loans without any notification in violation of the requirements? In this case, by issuing a new statement requesting my payment, PHH was trying to take additional money from me. PHH should be fined for its illegal and inappropriate behavior.
Hello I am filling complaint about certain credit inquiries I found on my account. I contacted the companies in which the inquiries were from and still nothing has happen. I also contacted the credit bureaus which also have done nothing to get the accounts removed. It has been over months and nothing has been done and I need these items removed looking forward to hearing from you all as soon as possible.
Someon e one u sed my credit applied for a fraudulent loan with Santander in     XX/XX/XXXX . They 've changed my date of birth with my credit report  XXXX . My former employers have been changed on my credit report. All of my former addresses have been changed. Social Security had to write a query for me with my EIN numbers for my former employers from  XX/XX/XXXX - XX/XX/XXXX . My drivers license have been stolen, social security card stolen.   XXXX   refuse to correct my credit report. They 've allowed someone to place a seven year fraud alert using fraud information. I ca n't provide  an account or loan number. All of my mail was being stolen through The United States Postal Service. Santander refused to speak with me after I did n't give my consent to anyone. Someone called me from Santander.
NONE of the above ... It 's not our credit issue. We have been repeatedly receiving phone calls for someone we have never heard of. The message left on our machine is absurd that it says to hang up if you are not the person ... .how does an answering machine hang-up if someone is talking? The company then goes on to talk about collecting the debt. I happened to be home & actually pushed '1 ' today & the system hung up so I called the number given XXXX. And the person was a smart aleck and hung up on me. I called back & no one said anything other than to identify the company as ATG Credit. I told them to figure out my number & never call back or I would be filing a complaint. Not even 2 minutes later my phone rang again from ATG Credit & the number XXXX. I called that & once again I said I would be reporting them. I just checked through all of my call history. Between these XXXX phone numbers we have had 11 other phone calls going back to XX/XX/XXXX. No one in our household have ever heard of this company, dealt with anyone with this company nor have we heard or know the person they ask for. We have had this number for about 10 months. It is our home phone that we give out to NO one. All contacts with us are with our cellphones.
I am having an issue with Ocwen. We requested a short sale and sent a complete package and Ocwen acknowledged receipt of the package on XX/XX/XXXX. With a sale date of XX/XX/XXXX, the package was received prior to the 37 day deadline. Ocwen keeps asking for a rental certification ( the house is NOT rented ) We have repeatedly told them the house is not rented. Then they asked for a Social Security Awards letter. The homeowner has been getting social security for 25 years and does not get a " awards letter '', just a XXXX. We have sent this to Ocwen three times. They are just trying to delay so they can take the house to sale. They have unclean hands. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Ocwen verbally advised that they would review the buyer 's cash offer for closing before the foreclosure sale and also stated that they could request a postponement on the foreclosure, however have not done to to date. 
Also, the note was rescinded on XX/XX/XXXX and Ocwen is not honoring this recission.
Due to countless XXXX issue and my being on XXXX, we were offered a loan modification in the XX/XX/2014 and instead of helping lower our monthly payment they attempted to raise it by {$210.00} a month and said it was a very good deal and I should sign it. Of course I refused to sign papers and they, without permission held my XXXX payment so we would be in arrears and they could proceed with the modification in spite of my declining it. We want them to lower our payments by reducing our loan and reducing the rate, we do n't qualify for HARP and I know they have programs available they wo n't tell anyone about.
I asked, DEBT VALIDATION to XXXX XXXX thiscollection account.They do n't have a any evidence belong 's to me. 
XXXX reported on XXXX Credit Bureaus on XXXX/XXXX/2014.I requested remove wrong item more thanXXXXtimes, XXXX times called.My Credit score or credit statement is damaged now
Mid-XX/XX/XXXXI received a letter from the XXXX XXXX, XXXX XXXX XXXX, XXXX, NE XXXX Fraud Prevention Department that they had placed a temporary block on my account because of suspicion of fraud and asked that I call them about the matter. Because I am XXXX XXXX I can not use the phone so responded to their letter by USPS mail telling them that I had not used the credit card involved in over 6 months and it indeed was probably a case of fraud. 
I received NO RESPONSE. 
Mid-XX/XX/XXXX I received an exact duplicate of their XXXX letter. 
Later in XXXX I received an invoice from XXXX XXXX MasterCard for {$180.00} with a transaction date of XXXX listed as a description " XXXX XXXX '' XXXX I noted on copy of invoice that it was a fraudulent charge and sent them a copy of my XXXX letter. NO RESPONSE. 
Asked my daughter to contact them by phone to settle the matter and get a replacement card. Received replacement with an expiration date of XX/XX/XXXX. Card no good. 
Daughter called again requesting a corrected card but card never arrived. Daughter called again and was told there was a balance due on card and new card could not be issued. Fraudulent charge had been deducted but interest they charged was still listed as a balance due. Daughter called again and asked to cancel card because of difficulty dealing with them, to which they agreed. 
The next day I received an email from credit card services telling me that my FICO score had been changed from XXXX to XXXX. 
XX/XX/XXXX I wrote to XXXX XXXX, Customer Care Sr. Specialist ( only name I had through all correspondence concerning the matter ) that they request my credit score be reinstated immediately because of their error or I would file suit against XXXX XXXX. It is now 14 days later and I have had NO RESPONSE. 
XXXX XXXX is deliberately jeopardizing my credit rating and I am contacting you for advice and help before I file suit against them.
This regards the following institutions : XXXX. IC system/ XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX ( this was on the letter head ) 2. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX, phone XXXX I received a letter from XXXX or the other of these ( XXXX addresses were on the XXXX of the letter ) for an outstanding bill from XXXX of {$21.00}. There were 3 options, the first of which was to use their website : XXXX. I went to this website and was given the choice of giving a credit card or paying by check. I chose the first. After filling out the entire application to pay ( requiring several pages ), I was told that, instead of using this method, I 'd have to call the XXXX [ XXXX ] number. So I called. 

What followed was a series of attempts to get me to 1 ) buy a medalert system, 2 ) buy a {$10.00} discount card and 3 ) buy a {$100.00} dollar discount card or 4 ) buy into a 'cruise ' that would probably cost me hundreds of dollars. When I declined all of these, they automated system hung up. I went through this whole XXXX twice, just to be sure the first time was n't a fluke. t was never allowed to pay the bill, neither online nor by phone. 

I have n't tried the 'pay by check ' option, nor will I, because I 'm quite certain that XXXX are bogus. It 's clear to me that this is simply a scam to get people to buy these worthless products and there is no intent to help the people pay the outstanding bill. 

Since none of your menus above cover my situation, I chose 'communication tactics ' and ''used obscene ... ', since I have to choose something.
I have been unable to use my account due to fraudlent activity because of identity theft i spoke with the fraud dept awhile ago to get it resolved nothing has yet to be done
My home in Florida suffered flood damage from Hurricane XXXX on XX/XX/XXXX. I took mitigation action IAW FEMA rules and worked with my insurance company for claim resolution. After four months I received a claims check and forwarded it to my mortgage holder - US Bank. I fully explained my situation with US Bank and followed their instructions to submit receipts and detail the work accomplished on the property. We were unable to get a contractor to even start repairs on our house for four months so I did much work myself and brought in specialists as necessary. I documented all of this to US Bank but they want more information before they will even consider processing an " exception '' to reimburse me from my flood claim payment. I will provide them the info but have no doubt they will continue to delay reimbursing me in order to use my insurance money to their benefit. As a XXXX veteran living on a military pension I am now financially hampered after using over {$60000.00} of my savings to repair my home so I can live in it. US Bank has taken my insurance payment of over {$66000.00} and is unwilling to provide it to me to reimburse me for work completed or finish the repairs. 
US Bank Loan acct # XXXX Claim tracking # XXXX Property address XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
I submitted a payoff of {$XXXX} to my PayPal credit Card Somehow it was sent to a closed PayPal account. They cashed it on XXXX, and for 3 months I have had to fax front and back of Cashiers check proving that they cashed it. They continued to deny it. Finally an account manager named XXXX ( Wo n't give me last name ) admitted they have had it for over 2 months and should have sent it back since the Synchrony bank account was closed. I waited XXXX weeks and followed up. After going through an hour long discussion the 2nd rep named XXXXy ( female would n't give me her last name or Email address ) stated that yes it was cashed on XXXX and the previous account manager had not processed the refund back to me. The phone number that I had called was XXXX. I called tonight and I 'm back to square one with an assurance that although they other reps have failed to process it properly that she would get it done. I need your help folks please this is so frustrating that they can get away with this. I beg you for some help!
I am reporting 2 incidents of identity theft that appear to be related. 

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX 2. XXXX XXXX, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an XXXX  company ) on XX/XX/XXXX that that the balance of {$970.00} has been reported by XXXX as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ). This has impacted my ability to get the best rate on an auto purchase ( the lender increased the rate by 1.00 % after 10 days from the purchase date ). 

I also received a response from XXXX regarding my dispute that above mentioned XXXX account is still scheduled to continue on record until XX/XX/XXXX.
This complaint concerns gaps in communication between my loan officer XXXX XXXX of Royal United Mortgage I have been approved for a refinance of my property at XXXX XXXX XXXX and have complied with all the requirments in terms of submitting XXXX, etc. He does not return phone calls or e mails. I am in limbo so I am not sure if it is thumbs up or thumbs down. If it is now thumbs down I can quit wasting time and go to another lender
I signed up for a citigold checking account because of a promotion that they were running for XXXX XXXX XXXX miles. There was nothing that stated it was an invitation only offer and I fulfilled the obligations to the offer. They confirmed that I completed the requirements in XXXX. Now however they refuse to fulfill their obligations. They state that I was not targeted for the promotion.
On   XX/XX/XXXX   I called the  company   XXXX   XXXX   to cancel my account becouse I was moving out of   that address and when I asked about the remaining balance the costumer representative said that was no debt on that account on that moment but if any balance appears in the future they would sent me a billl on my knew address. Nothing came on my new address and on  XX/XX/XXXX  a founded a derogatory mark on my spotless credit. Called the collect agenc y ( a ssociates credit agency  ) ask tham what happen and they said letters was sent to my new address and returned by post office and they had to report the credit agency once they could not find me. I question tham way they did not called me and they sad   XXXX   XXXX   did  not informe tham my phone number. Payed the collection agent in full on   XXXX   the debt of aproximedly U {$150.00} and they said they could not remove the derogatory mark of my  credit enven knowing that was n't my fault. I felt wronged for   XXXX   XXXX   because all of this situation was n't my fault.  Thank you Sent from my  XXXX