WillisBack/dataset-financial-user-claim huggingface dataset:
I am behind in mortgage payments due to lost income. I contacted my Wells Fargo, who holds my mortgage to try to work something out. I am told I can not apply for home equity loan or other plans unless I agree to do a forbearance, and pay the total sum when requested due. I am being coerced into signing this when I have no idea what the amount will be or how much time I will have to pay it. I also must agree that if I pay less than the total amount the forbearance is void and the bank will foreclose. How is it legal that I must agree to unknown amounts and terms?
Great Lakes has been calling me 5-10 times a day about my deceased father 's student loan. They have reported the debt as a delinquency on my credit and refuse to settle the debt when I called to explain the situation.
Today, XX/XX/XXXX, I received a XXXX XXXX XXXX alert on my checking account. I have alerts set up to notify me of withdrawals from my account. 

I was alerted that a withdrawal of {$820.00} was deducted from my personal checking account from Freedom Mortgage Company. 
This was taken from my account without my authorization or permission. 

I tried to submit a payment yesterday on line to Freedom Mortgage which I have done for the past 2 years. The auto system said all three times, there was a problem with my on line payment to contact costumer service. I contacted costumer service and was told that the mortgage company had a new system and was having problems excepting payments on line from XXXX users like myself. He refused to take a payment over the phone unless i was willing to pay {$15.00} service charge. 

So I got off the phone with Freedom Mortgage and used my I pad to try and schedule a payment for XX/XX/XXXX. It took my payment for next month. I printed copies of the confirmation for XX/XX/XXXX. 

When I received the XXXX XXXX alert, I contacted Freedom Mortgage immediately and I spoke with XXXX. He said that the system shows all three rejections yesterday and they should not have taken any money out of my account today. 

XXXX also acknowledged that I have a scheduled payment for XX/XX/XXXX which i cancelled today since I am now paid until XX/XX/XXXX. 

My complaint is that the mortgage company went and deducted money from my account without my knowledge. This is very scary and I want them looked into.
On XXXX XXXX, 2015 I received {$11.00} for XXXX for making several online purchases. 
On XXXX XXXX, I requested that PayPal transfer {$11.00} in my PayPal acct to my XXXX XXXX Checking acct. 
PayPal states that the money will be sent in XXXX5 business days. 
As of the date of this complaint, no money has been transferred into my XXXX XXXX Checking acct. 
Paypal email address is XXXXXXXXXXXX
I HAVE A HARD INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND THEY SHOULD HAVE BEEN REMOVED
Chase   XXXX   XXXX   Chase   XXXX   XXXX   XXXX    XXXX  Ny  XXXX  No $ Amount.  33   pages   XXXX   XXXX   already has CFPB Case # FOIA Request www.ftc.com. Contact Us   XXXX   XXXX   Account #. With Customer permission by Chase. Send Receipt of # Amounts   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX  Ohio  XXXX   XXXX  Case # `  XXXX   already submitted To :   XXXX   XXXX  . With permission by Chase Customer Slip Direct Deposit. I, m asking For : # Amounts   32   pages FOIA Request   XXXX   XXXX
American Collections Enterprise , Inc. called several times at my work number, and I do not know where they were able to get my work number from. I told the collector that I did not want them to ever call my work phone again. After I asked for a formal letter of the debt, the collector was very rude to me and hung up on me.
On XX/XX/XXXX, Equifax learned of a data breach that occurred from mid-XX/XX/XXXX to XX/XX/XXXX. The breach affected 143 million consumers, and the information disclosed through the breach includes names, Social Security numbers, birth dates, addresses, drivers license numbers, credit card numbers, and dispute documents. Using the official website for information about the breach, www.equifaxsecurity2017.com, I was told that I may be among the consumers impacted. Obviously, I did not consent to the sharing of this information. I have a shorter credit history, so any negative effects from this breach can severely impact my credit health. Considering the amount of sensitive information in this breach, I believe the one-year credit monitoring provided at the above website is an inadequate solution to prevent identity theft and credit fraud. In addition, the resolution requires me to waive my right to class action, which I believe is unfair, considering Equifax is completely at fault for the data breach of millions of consumers.
On XX/XX/2018 I requested from all three bureaus that the information on my credit report was passed the California statute of limitations on collectable debt. I asked all three bureaus to remove these items if they could not be validated by the Original creditor in writing that I had signed a contract. None of them could provide this but did not remove from my report. They said debt was validated but supplied no proof.
In XX/XX/XXXX I applied for admission to XXXX university. In XX/XX/XXXX I was forced to go help family out of state ( school would not of started until mid XX/XX/XXXX ) and notified the school that I would let them know if I will be able to attend, but not to order books or enroll me into classes. I did notify them prior to the start of the term that I was no longer interested in attending their school. Now I am getting collection letters from " Williams and fudge, inc. '' for {$530.00} stating that they are for " No show fees '' for not attending the school. I have explained that I never agreed to attend the school, and their own billing statement even shows that tuition was credited back to me, but the company keeps saying that the debt is valid because they have a bill in their office for it.
I sent Seterus Inc a letter on XXXX XXXX, XXXX asking them to relinquish my escrow agent which they have grossly mismanaged and asking them for reversal of misapplied fees which originated through their mismanagement in XXXX. I have n't received a response as of today XXXX/XXXX/XXXX, over 5 weeks ago. I already had to make my XXXX mortgage payment to include the escrow impounds and XXXX XXXX is approaching when again another payment is due. At the time I requested this on XXXX/XXXX/XXXX my escrow account had a positive balance of {$92.00}, see attached XXXX statement. Now on the XXXX statement I show a negative balance of {$150.00}. This is because they again incorrectly made a payment to the new hazard insurance company even though I sent them a letter on XXXX/XXXX/XXXX telling them I was changing insurance company and I was going to pay for it directly myself outside escrow. I stated they were NOT to make a payment to the insurance company and they did, causing my escrow account to be deficient again. I have been told by XXXX, the new hazard insurance, that they have returned the funds to Seterus and that she got confirmation that they would be reapplied to my escrow, but I do n't see it in my account as corrected. XXXX will be withdrawing from my bank account directly the insurance monthly installment and I do n't want to pay twice for it by continuing to pay into my escrow account. I need expedient attention to this matter by Seterus. Last year it took them a whole year to fix my escrow and I still do n't know if they reversed the fees they charged. 
I really ca n't wait to get rid of this servicer. If ever I get another loan with Fannie Mae I will make the mortgage company sign an affidavit prohibiting my loan from being serviced by Seterus. Fannie Mae needs to move my loan to a different servicer please. I do n't have time to waste with this company
A bank fraud was committed on XXXX XXXX around XXXX that wiped out {$710.00} from our checking account. An SMS message was sent by Chase 's automated fraud protection at that exact moment and we immediately responded that we did not process a money transfer. Out of concern, we contacted them by phone immediately. They supposedly put some sort of bank hold on the account. 
The next morning, we went into the Chase branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX to close and re-open new bank accounts. A bank officer named XXXX XXXX had us fill out paperwork ( see attachment ) and told us that our monies would be returned in 2 days max. No provisional credit was offered. 
This is where everything went wrong. 
XXXX - No money received from bank. This is 6 days later after reporting the fraud. XXXX re-faxed paperwork and said they would expedite payment. 
XXXX - No money received from bank. XXXX passed us to a different officer name XXXX XXXX. XXXX made phone calls and told us that at a certain Chase division had not received any faxes from their branch. It was re-faxed a third time and XXXX confirmed the receiving of the paperwork and assured a quick resolution. 
XXXX - No money received from bank. XXXX stated that we would have our money by the end of the day. 
XXXX - No money received from bank. XXXX seemed cooperative and determined to get our money, but again nothing happened. 

XXXX - No money received from bank. It is now 13 days since the bank fraud wiped our account. No apologies. No provisional credits. XXXX spoke with a different Chase Dept. who now tells her we would need to wait another 3-5 days for monies to be placed back into our account. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- - I XXXX have a vast knowledge on internet security and best practices for protecting my accounts. I am not certain how this fraud occurred and Chase Security has n't been forward coming on their information. 
All I know is that Chase was informed of the fraud within the hour of it occurring. Based on my immediate notification of the fraud, Federal Regulation E Section 205.11 states that I should have received my monies within 10 days. This has not happened. 
My time is valuable, and I have now lost more money battling for my funds than anyone should have to endure. 
Chase Bank 's Quick Pay system is to blame for this unauthorized EFT. A feature I have never used and works by sending an email to anyone you want to transfer money to. Obviously, this system is flawed and allows a non-chase bank account holder to quickly receive funds and then close their temporary bank account.
I was contacted repeatedly from a rude guy who works fo r Hunter Warfield. I asked that he do not contact me, stop calling but calls continued. I do not have a signed contract with Hunter Warfield.
My complaint regards the servicing of a second mortgage held by Nationstar Mortgage. The XXXX Modification of my XXXX Mortgage was amended by the original servicer, XXXX Mortgage, which reduced my 'interest rate cap ' from 5.25 % to 4.75 %. When the XXXX Mortgage was sold to XXXX they used the old rate cap of 5.25 %. I was able to have this matter rectified with your help on XXXX/XXXX/XXXX, Case # XXXX ( Page # XXXX Final Resolution Letter ). My current problem is that the Second Mortgage serviced by Nationstar is using the old rate cap of 5.25 % and not the amended rate of 4.75 %. I have been corresponding with Nationstar since XXXX XXXX and have only received copies of the XXXX modification. In the XXXX modification, it clearly states that the rate cap of the XXXX modification must reflect the rate in the XXXX modification. I have documentation for all of the statements that I have made. Any assistance in this matter would be greatly appreciated.
I had a loan with XXXX XXXX, that originated XX/XX/XXXX for {$35000.00}. By XX/XX/XXXX I was unable to continue to make payments on the balance of {$7700.00}, as I was in danger of losing my home and had to use any available cash to make my mortgage payments. 
According to all three of my credit reports this debt was charged off XX/XX/XXXX. 
XX/XX/XXXX I received a notice from the SBA, dated XXXX/XXXX/XXXX, that I had a debt due to them for {$5800.00}. On XXXX XXXX, XXXX I asked for records in regards to this debt, which were sent and received XX/XX/XXXX. 
I researched my records and SBA records. When I called the SBA, on XX/XX/XXXX, to discuss the amount that was truly owed, I was told that the debt was forwarded to the Department of Treasury for collection. 
After talking to the Department of the Treasury on XX/XX/XXXX I filed a Cross Servicing Dispute. I had been told that I could not enter into any payment plan until issue were resolved with the SBA. 
During the time I have been trying to resolve the issue of whether or not or I had been given due process by the SBA, the Department of Treasury has intercepted {$2100.00} of money due to me from the Department of Health and Human Services. They have also sent this debt to a collection agency and added fees and interest of {$1600.00} and {$62.00} respectively. 
I do not dispute that I may indeed owe the SBA some money. 
The contract with the SBA, XX/XX/XXXX was to guarantee 50 % of the loan with XXXX XXXX. The amount that is truly owed has not been made clear to me. 
Why did it take five years for the SBA to contact me? I communicated with them about this debt within the 60 day time frame on the notice yet, now I have been sent to collections as if I have paid no attention to the original notice from the SBA dated XXXX/XXXX/XXXX. 
I have documentation for all I have stated in this letter. 
Please help, XXXX XXXX
Navy Federal Credit Union is Reporting an Authorized User File on my Account, both myself and the Original Owner have asked for me to be removed, XXXX is stating that the information is accurate, however, I am not the owner of this account, it is showing late payments and affecting my credit. Just as the other bureaus have removed this from my file, I expect XXXX to remove it as well.
Experian disregards rights of consumers and allows creditors to report bogus debts. I informed Experian that XXXX XXXX XXXX XXXX is reporting debts after refusing to properly validate them. All Experian does is reach out to the offending company and takes their word that the debts are valid when they are not. They do not conduct an impartial investigation, or any investigation for that matter.
I disputed incorrect information being reported on my credit report by XXXX XXXX, which your company advised is not in your system and could not help me with them. However instead of Transunion performing a complete and accurate investigation, they replied in a couple of days the information was verified as accurate and did not fix the issue. Then, they allowed XXXX  XXXX to report negative information on my account after I had already paid the account off. This information they recently reported on XX/XX/XXXX was never once reported on my credit report by XXXX XXXX prior to my dispute for them to fix the error they were reporting.I did not even complain about the fact I was told the account would be removed once I paid it off, I was trying to have the inaccurate information removed. I believe this was reported by XXXX XXXX as a retaliatory report, and Transunion has not done anything to prohibit this malicious act. I have contacted Transunion 3 times since this change appeared on my credit report, the last contact with them being on XX/XX/XXXX. I have been told three different things by their representatives. First I was told there was no change on my report, then I was told there was an update but that it does not matter because the account is scheduled to be removed in XX/XX/XXXX and then I was told yesterday ( XX/XX/XXXX ) that the report was changed on XX/XX/XXXX and that it does not show a charge off/collection. The representative was rude and did not listen to my information. She just rushed me off the telephone. I was extremely bothered by this because the information XXXX XXXX should not have been allowed to report, as they were reporting inaccurate information and this account should have been deleted, has decreased my credit score and has caused issues with me receiving credit even though I had completely paid the account off in XX/XX/XXXX.
I am a first time home buyer. At date of closing while signing documents, XX/XX/XXXX, I am expecting not to pay any closing costs - up to 7,000 with be paid for by seller. I am unexpectedly asked to pay XXXX to close. Realtor calls loan officer XXXX XXXX of Mortgage Express XXXX, OR, for explanation. XXXX tells me the loan program ( 1 % down HomeReady conventional loan ) is no longer available. That the 2  % paid for by government ( up to 5,000 dollars ) is no longer available and that I now owe ~ {$4500.00}. I sign under duress and have money wired. I go back to work and tell co-workers. They believe I have been taken advantage of/scammed. I call another loan officer of a different company. He uses the term bait and switch. Tells me the Home ready program is still being advertised on XXXX XXXX XXXX website. Tells me to get clarification from manager and to file complaint with state. I call XXXX. Manager is unavailable until Monday. He offers no further explanation. I file that night a complaint with the state of Oregon. I file a complaint today, Saturday XX/XX/XXXX online with the BBB.
On XX/XX/2018 I recieved a notification via XXXX that a collection account had been added to my credit report, for the amount of :XXXX $ to XXXX XXXX XXXX XXXX. The original creditor was from : XXXX a XXXX, Il electric utility company..I never lived or worked in XXXX, Il . I was able to dispute it off my credit report for XXXX and XXXX.I disputed with Equifax but recieved a email Pdf saying The Collection agency XXXX XXXX XXXX XXXX verified it was me.that a lie.I contacted them first when o saw on XXXX they didn't have MY contact info but the person who used my SN # .If u contact XXXX.they wont have my contact info but another.I showed proof that the account is not mine.but just because XXXX XXXX say differently still on my credit report.I repeat they didn't have My contact info until I contacted them and ask what and why about the XXXX $ collection. I have a variety of proof that I'm a florida resident and I work in Florida.I never set up a Electric utility bill in XXXX, Il.
Different 3rd Party Debt Collection companies continue to buy and resell and report to XXXX credit agencies some bogus debt supposedly owed to XXXX XXXX for unpaid telecommunications/internet services which I never had. I have lived at current address for almost 4 years and had XXXX XXXX for nearly 10 years. This bogus debt keeps reaccuring on my credit report from various 3rd Party debt collectors whom can not vaildate the debt and do not possess the required documents to support their claims. They continue to renew it and it comes up as recently reported as recently as a week ago. Sometimes it is reported multiple times on the same credit report as slightly different debt, for under {$200.00} dollars most often as {$56.00} or {$150.00} dollars debt. This needs to be removed and the credit bureaus refuse to take any action to remove this despite it being in violation of the FCRA.
On XXXX/XXXX/2015, I saw an online promotion from CITI which said XXXX bonus ThankYou Points canbe awarded after {$2000.00} in purchases within XXXX months if a new CITI Preferred Card is opened. Then I followed the link to apply the card and got instant approval after application. Then I spent more than {$2000.00} within XXXX months, and in the XXXX month, guess what, not a single ThankYou point was awarded. I called CITI customer service twice and they just responded that investigation is needed. I also mailed once, and finally on XXXX/XXXX/2015, I received a mail from CITI explaining the reason : " ... this account is not eligible for the offer you mentioned because you have had the same or similar offer on another account that has been either been opened or closed within the last XXXX months ''. What a despot clause! Where did CITI mention a period of XXXX months is needed for a new card to be awarded when I applied the new card? That is also unreasonable, does it mean I could not buy XXXX cars simply because the dealer has to offer promotion discounts for XXXX cars. Why CITI play such a trick in order to keep customers opening new cards and our customers just act like fools to spend money ( sometimes buying extra unneeded stuff ) in order to reach the amount required in XXXX months.
I notified Transunion about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.
I 've been charged {$10.00} from XXXX, XXXX, and Experian on XXXX XXXX 2017 to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.
Our loan was purchased by Greentree Financial then Ditech bought them. Ditech issued a check XXXX/XXXX/15 in the amount of {$11000.00} for our property taxes. I called XXXX/XXXX/15 to ask about the check as our tax amount was {$6500.00}. When I spoke to the property tax department I was told that my escrow was now short because of the tax check. I asked that they cancel the check and reissue a new check in the correct amount. I was then told the check amount was correct and that I was delinquent in my taxes. Which is not the truth, considering I just purchased my home in XXXX and they just bought the loan. After an hour on the phone they agreed to do just as I asked. The following Monday XXXX/XXXX/15 I called because the check never came. After another hour on the phone I was told the check would be cancelled and the correct XXXX issued. I was assured that they would take care of it and call me XXXX/XXXX/15 with the tracking number to overnight the check to the tax authorities. On XXXX/XXXX/15 I called and was told the check was sent and that they will be correcting the escrow account because. XXXX/XXXX/15 I called the check still has not been sent. I have been dealing with a Supervisor and then asked that a manager call me back. They assured me the check would be sent XXXX/XXXX/15. As of this morning XXXX/XXXX/15, the check has not been sent. Most people do not have the money to pay another {$6500.00} to get their taxes paid. This is a financial burden on my family and it is due to Ditech 's incompetency.
Ocwen Loan Servicing LLC After falling behind on my mortgage payments, I requested a modification of my loan. After  2 attempts, I was approved for a modification. The company asked for three months of trial payments before approving the modification. I requested 3 times to see the terms, in writing, of this proposed modification but was told that this information is not available. My lastest conversation was with a " relationship manager ''  today  XXXX   XXXX ,  2017 . I was told that I could not speak to anyone in Underwriting, could not receive the terms of my proposed modification and that the relationship managers did not have access to any of this information.