WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from Fay servicing in XX/XX/18, that my mortgage payment will increase from XXXX to XXXX as of XX/XX/18 per terms of my modification agreement.I tried reach the account manager to request a balance status mid XX/XX/XXXX again on XXXX, I tried to contact her by phone and email to get status in XX/XX/XXXX on XX/XX/XXXX,XX/XX/XXXX, and the XX/XX/XXXX. I recevied a letter right to cure a default by XX/XX/18 the notice stated I owed XX/XX/XXXX payment of XXXX, and XX/XX/XXXX XXXX, Corporate advance Balance ofXXXX fee and I had unapplied balance XXXX. I spoke to a team member @ fay servicing he couldn't discuss any details about my account and XXXX XXXX was the person in charge of my account. After numerous attempts to contact her I recieved a noticed dated XX/XX/18 stated modification Deferment and must respond on or before XX/XX/18, in the amount of XXXX, and foreclosure proceeding will not halt unless signed and received and accepted by Fay Servicing on or before the said date XX/XX/18
After many months, we were finally able to reach an affordable loan modification with XXXX. But soon after that, XXXX grossly miscalculated our escrow - they charged us {$1200.00} per month for insurance instead of the correct amount of {$1200.00} per year. Despite repeated efforts on our part, they would not fix the problem, they stopped crediting our payments correctly, and they put us into default. Instead of fixing the problem, they sold our account to RCS, which is now foreclosing on us because of XXXX malfeasance.
Called my job phone instead of my personal number. I do not know how they got the information but the contact number was never given to them. It is for some debt that I do not know anything about as well. They are using information that was not given to them.
I am a victim of id theft. I sent a request to the credit bureaus for a security freeze to my credit with a copy of all my required documents. Equifax did not freeze my credit. I also disputed fraudulent account from XXXX and several inquiries with XXXX, XXXX and XXXX XXXX XXXX XXXX They should have deleted these inquiries and account and sent me a new credit report. They did not update my credit report and send it to me
I asked this company to send me some information about the bills that is owed and they did n't. They threatened to come to my place of work and told me I better take action because they were going to sue me.
Today XX/XX/13, I tried to link my gap visa card account with a tax software, the online bank website blocked me access.
After I received the loan there were additional fees add on as well as it feels like the interest rate increase.
I went to make a deposit with Bank of America on XX/XX/XXXX. I initially wanted to deposit 11 - {$100.00} bills, 40 - {$20.00} bills, 1 - {$10.00} bill and a {$300.00} check. When I reached the counter I remembered that I had an additional {$200.00} that I wanted to add to the {$2200.00} that I had already written on the slip. I handed the two {$100.00} bills to the teller without realizing in the moment that I needed to adjust the amount I had written on the slip. The teller didnt adjust the total amount either.

The following Tuesday, XX/XX/XXXX, I made a call to Bank of America customer service. I was told that they would open a claim and that I would be contacted within five days with a solution.

I didnt receive a call, so on XX/XX/XXXX I had my daughter call them as my English is limited. Through her conversation I learned that there in fact was no claim that was filed and I needed to go into the branch to resolve this issue. 

On XX/XX/XXXX I went into the same branch with my daughter and spoke with the branch manager. She checked the tellers and the banks records that day and said that there was nothing off about their records for that day and that theres nothing that they can further do.
XXXX XXXX XXXX, XXXX is attempting to collect an incorrect debt amount by XXXX  and XXXX. The agency bought a debt from Citizens Bank
Company offered {$2800.00} loan to my husband at 24 % interest without disclosing " customary fee '' which brings total to 160 % interest. Company says this fee is not interest " for the purpose of Tennessee law ''. 

I asked about protection under the military lending act and they said they never heard of it. They said " the state regulates the interest amount ''. If that is the case, why is their outrageous fee " Not interest for the purpose of Tennessee law ''? 

Paid {$460.00} this month. Principal balance dropped by {$78.00}. 

Next payment due is {$630.00} Company said payment will be different every month. How does an installment loan have a different payment every month? How can it ever be paid off if it accrues over {$400.00} in interest per month? 

He was medically seperated from XXXX XXXX due to a XXXX XXXX XXXX  causing XXXX XXXX XXXX   XXXX XXXX, XXXX, and XXXX XXXX. He is XXXX XXXX XXXX and his only income is VA XXXX. 

This company is preying on people like XXXX.
My payments are not being reflected accurately on my account. I have requested a detailed statement showing my beginning balance including any fees and cost, payments applied and remaining balance. I have requested this information three times and no one has responded. I have followed TG ombudsman policy to contact the collections department and still have not had a response.
On  XXXX / XXXX / 2016  I paid {$29.00} to go ahead and recieve a secured card from  XXXX   XXXX   XXXX  knowing that I had 90 Days to come up with {$200.00} to activate the card. Things came up and I never got enough money but it 's reporting to all  XXXX  bureaus as if I opened and 6 months later voluntarily closed this credit card with a {$200.00} line of revolving credit when in fact it was never usable.
Waiting for each agent to respone to my complaintXXXX experian XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.
Hello, I am wishing to submit a complaint against XXXX. I did not authorize a hard inquiry on my credit report and an inquiry showed up for XX/XX/XXXX. I investigated what XXXX is and it is XXXX. I have an existing credit card with them but have not used since last year, XX/XX/XXXX. What prompted me to look deeper into my credit inquiries was a significant decrease of XXXX in my credit score, which I think is attributed to this hard inquiry. Is it possible to help get this removed?
This is regarding XXXX visa card by Citi Bank. Citi bank says they mailed us the card which we never received. We do not even know the full credit cards number. The only number show on the statement shows account number ending in:XXXX Statement dated XX/XX/XXXX to XX/XX/XXXX. Another statement dated XX/XX/XXXX to XX/XX/XXXX states account number ending in:XXXX. To our understanding these relates to the same account. We learned about this card when we got the first statement in XX/XX/XXXX.  Since then we have gone to XXXX, Citi Bank local branches and have called many times to Citi Bank. They have repeatedly told us that we are not responsible for any of the charges as it is fraud. We also have a letter dated XX/XX/XXXX from Citi stating that they have received our complaint and they are working on it. 
We did not hear from Citi and thought that they have resolved the issue and we are OK. However, recently we got a call from XXXX ( Extension XXXX ) saying that they are trying to collect due payment from us. We also got the letter from Citi that they have sold the account ( ending in XXXX ) to XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, XXXX ). We also got a letter from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, River Edge, NJ XXXX, XXXX ) trying to collect debt from us of which we are not responsible! We also have informed XXXX XXXX ( XXXX, ext. XXXX ) that we are going to report this issue to Consumer Financial Protection Bureau. We have done all we can on our part. We have never used the Citi Bank Visa Card in dispute, we never received it. We have nothing to do with this account. This all happened when XXXX XXXX XXXX was converted to Citi Visa. We currently have XXXX XXXX XXXX ( account ending : XXXX ) which we use and pay. We have told this to XXXX XXXX  on day one when we files our complaint. Citi knows it ans we are in good standing.
This payday situation I started has gone out of control as I started with XXXX loan and it perpetuated with XXXX payday loans taking well over 90 % of my take home pay and therefore could not pay my mortgages for over 4 months. All of the payday loans charged me usurious in that they fall quite a bit outside of the the interest rates allowed by law and some even topok money on days I did not get paid and caused so much turbulence to my bank account forcing it to be overdrawn on many occasions collecting insufficient fees along the way to contacting a Payday Loan Consolidation Company. However, this is n't enough to get me back my money. The rates were even up to 1800 % and beyond on one of them.
In XXXX 2016 we had some Tile Flooring installed at our home by Best Buy Flooring, XXXX XXXX XXXX XXXX, Nevada in the amount of {$4500.00} which was financed by a new 18 month same as cash account ( XXXX ). When we made the application we were asked for a credit card for additional identification which we used My Best Buy Visa Card administered by Citibank. 

When we received our Best Buy Visa Statement ( Closing date of XXXX/XXXX/2016 ) it showed a purchase in the amount of {$7500.00} dated XXXX/XXXX/2016 to Best Buy Flooring XXXX. We did not make or authorize this charge. I called customer service to dispute this fraudulent charge. Our credit limit at that time was {$4100.00}. I asked why a charge over our credit limit was accepted and was told someone there approved it because I was a good customer without even bothering to contact me to see if this was OK. The original account was closed and a new account number was issued. I was sent a DECLARATION OF UNAUTHORIZED USE form which I filled out and returned. 

I received a reply from Citibank that this was not a fraudulent charge because I had initiated contact with this merchant but was instead a Billing Dispute. I again disputed the charge and received a letter that it was denied wihout explanation or documentation. 

I contacted the merchant who said that they could not find the transaction in their records. 

I did not make a purchase in the amount of {$7500.00}. I did not authorize a charge to my XXXX account for this. I can not get Citibank to reverse the charge. They could not have done an investigation into this or they would have removed it from my account.
On XXXX/XXXX/XXXX I mailed Cease and Desist letter to Regional Finance as I am no longer able to make monthly payments. The calls stopped for a couple of months, but Regional began calling again in XXXX XXXX XXXX to three times a week sometimes twice a day.
I have contacted Equifax several times in regards to Inquires and accounts that are not mine due to identity theft. I have mailed XXXX identity theft affidavits to the company and there are items that they have failed to remove.
During a previous complaint ( " Complaint '' ), I received communications from J.P. Morgan ( " Complainee '' ) asking me to contact an agent with Chase Executive Office to obtain additional information in order to continue the research. Complainee then closed the complaint. Unfortunately, after several, several unsuccessful phone calls attempting to reach out to the designated agent and leaving numerous voice messages with my contact information, I never received any response. It 's patent that Complainee is not taking the necessary steps to address my concern.
Dear XXXX, I have been under review for a loan modification with Wells Fargo since XX/XX/XXXX and have sent in all requested documents. In XX/XX/XXXX I sent in by fax and mail ( what I always do ) what i thought was the last set of documents, received a letter stating they received them. A couple weeks later they sent another letter stating that documents are supposedly missing and asked if I 's still like to be under review. I asked them by phone and fax to let me know which documents were missing and they never did. I also stated that I would like to still be under review. Next thing I know they have assigned another person to my review and have started the process all over again disregarding all documents I sent in previously. They said my previous review has been kicked out of the system. I have copies of everything I sent in by fax and email and this does n't make any sense. I would like them to continue where we left off on the XXXX review and for them to let me know what was missing because they are not telling the truth. I am qualified for a loan modification or forbearance and for some reason they do n't want to approve XXXX and it has to do with an investor behind my subprime loan with a 10 year interest only ARM that a mortgage broker and Wells Fargo we trusted got us into. We had a large down payment and very high credit scores and there was no need for a subprime loan with an 10 year interest only ARM. My loan has not moved since XX/XX/XXXX. It has actually increased in amount and now due to the ARM and the payments increasing a year and half ago significantly, I owe about {$31000.00} more on the mortgage. I was not told the truth in the beginning and now they continue this way. Please help with the resolution of a loan modification or forbearance. Please. I paid my payments fine from XXXX with no problems. Then the mortgage went up almost {$700.00}. 
Thank you so much for whatever you can do to help me. 
XXXX XXXX ( XXXX ) XXXXXXXXLoan # XXXX
This company began trying to collect on this debt inXX/XX/2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our credit report.
I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are reporting charge off these accounts are no  longer accountable the debt was sold and written of on taxes therefore u can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification
Collection services of Athens is attempting to collect a debt from me and I never established a contract with this company. Furthermore collection services of Athens is currently reporting negative information onto my XXXX credit report indicating that I owe XXXX amount of XXXX and a additional amount for XXXX dollars.
KeyBank debited a previous days ' transactions ( XXXX ) before crediting a direct deposit to my checking acct. Resulting in overdrafts.
When I made a payment on my Home Depot account serviced by Citi, they required me to agree and accept that my computer was able to encrypt the payment information? I have no idea what this means except that they are possibly hoping that I take on the responsibility that My computer is safe enough to make a payment. I have no idea why this bank would require me to be responsible for the security of my payment - that is their responsibility to make their site safe to make the payment. How would I even know what bit encryption my computer is? This is incredibly unreasonable and confusing, and they refused to take my payment without my agreement. How do companies get away with this? Trying to pass responsibility for their own site safety on to me where I have no idea about any kind of encryption process on my computer? I am so upset by Citi unreasonable demands on consumers at this point I am making sure our Home Depot knows about this and this is really hurting their brand to have this bank called Citi be so abusive to their customers.
over the past 2 years Bank of America has harassed m by misstating my requirement for a HARP loan and or modification by requesting the same documents which were sent and than stating they had aged over 90 days and requesting the same information multiple times and finally offering a modification which caused more hardship than relief. Seems as if they are simply not interested in the proper use of HARP funds entrusted to them to offer help. Late charges were overstated even though payments were not late as per the terms of the contract as well as escrow accounts being over stated even though we were trying to resolve the issues and there is no one to stand with me. In regard to checking accounts, transactions are manipulated to allow them to charge more fee. Larger amounts paid first so that account shows overdrawn and smaller amounts processed out of order and fees charged. Guess they need the money. I believe they are in violation of state and federal statutes relating to XXXX treatment. I was out of work for 4 months in 2015 for XXXX problems and suffered XXXX issues as a result of the XXXX over the actions of Bank of America. They have reported me to credit bureaus as being 4 months behind in mortgage payments even though I had tried many times to discuss the issues and communicated by phone and letter with no resolution other than continuing harassment. What to do??? I have tried to refinance with other companies but could not do so primarily due to alleged late mortgage paymnts.
After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, Capital One Auto Finance did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all three agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at Capital One to no avail as well. I never consented for anyone at Capital One Auto Finance ( COAF ) to access my credit files nor was I contacted by COAF to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by COAF be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
A. I work for XXXX  XXXX XXXX in XXXX  XXXX XXXX, XXXX XXXX, SC XXXX ... .by Gods grace ... I am a XXXX XXXX employee- you can check XXXX XXXX XXXX XXXX have a XXXX email by Gods grace and guidance. 

2. I was trying to consolidate to do good payment since i have t omaintain XXXX, in an aprtment, then my family lives in XXXX, Fl XXXX, USA and 3. my mother lives in XXXX now called XXXX Hard to maintain always so trying t oconslidate 3. During that stage, Mrs. XXXX XXXX in XXXX XXXX XXXX XXXX did an outstanding job as always- from day from the year 2016 when i got XXXX XXXX loan. 

4. now i have called to consolidate, she found negative and i asked them to send the letter it states 39- serious delinquency which is Absolutely wrong. 

5. As you had asked from this afternono i had tried multiple times to reach XXXX XXXX XXXX XXXX any option i could not get hold of i tried through XXXX  search or how to contact- someone told email consumer support customer support for experien it goes to an auto response to auto repair totally lost =unable to reach to explain and get the accurate and resolve so that it does not appear wrongly Is there a way to reach them or talk to them in person please
Out of no where- started receiving calls at work, and leaving messages. I did answer and told them not to call my work, that I do not receive personal calls, and the man was combative, yelling at me " DO YOU WANT TO GET SUED? '' over and over. I have received threatening voicemails, stating that I am being investigated for fraud. My family has been called and harassed. My brother did not give my address, and the man stated : what type of brother are you, that you do n't know where she lives? " I receive different v.m. with different people calling. On my work v.m. they left a case #. They sent a letter to my former address, and it was forwarded to my new address- and it stated they bought my debt and not they want to collect {$7200.00}!! I do not owe any money to this company. They said the loan was from CashCall.
XXXX XXXX is reporting a debt for {$880.00} on my credit report. This debt was resolved with the original creditor years ago. I have notified XXXX XXXX of this fact, and also disputed the account with XXXX, XXXX, or XXXX XXXX. Unfortunately, XXXX XXXX does not allow the credit bureaus to delete or properly update the account.
I am undergoing a short sale and have submitted all of the requested items through the realtor. The realtor sent me a screenshot from XXXX on X/X/2017 that said " Thank you for uploading all the requested documents. This short sale file has completed the processing phase and is now in transition to the auction phase. Please allow 5 to 7 business days for the reassignment and initial negotiator review process. The negotiator will contact you regarding any additional information that may be needed. Thank you. XXXX XXXX Also this was received today " This message is to inform you that the offer submitted in XXXX via the tasks has been received and is now being referred to XXXX  to conduct the Offer Validation Program. Please keep in mind weve saved a spot for the original offer to participate in the online marketing event. Simply have the buyer call XXXX customer service at ( XXXX ) XXXX or XXXXXXXXXXXX and theyll assist the buyer in getting registered. Auction dates will be set within the next 7-10 business days and will be available on the XXXX website once set. These dates will not be provided please be sure to check XXXX for the dates. Keep in mind the following : 1. ) You will remain fully involved with your listing. 2. ) Your commission stays 100 % intact. 3 ) XXXX Services are paid independently of your commission. '' From XXXX XXXX from XXXX. <P/><P/>As you can see I and the realtor are doing precisely as directed by the lender and I 'd like to do a short sale to prevent a foreclosure however it definitely appears that the bank wants to foreclose as I received a notice of Trustee 's sale today. <P/>There is an existing offer and the home is going through a short sale auction where the winning bid may purchase the home, but I am not sure they will be able to if their is a Foreclosure Sale date in about a month. <P/><P/>Please help me avoid foreclosure.
XXXX sent me a shut off notice around XXXX XXXX for {$110.00}. I immediately sent them {$15.00}. They know that I have a partial XXXX and am on a fixed income. But, they shut me off anyway ( The money order may not have made it before the shutoff ). I then sent them {$27.00} the following month towards a {$120.00} bill ( I had not realised that they sent me a collection fee of {$18.00} and did not understand why the bill was different but thought it was just the last reading ). The name of the collection agency is Convergent and I have contacted them because their bill states {$130.00}. At this time, I do not have the account # for Convergent, but do have the XXXX account # XXXX for which I have paid {$42.00} of the {$120.00}. Convergent states I owe {$130.00} even though the current online XXXX states {$100.00}.