WillisBack/dataset-financial-user-claim huggingface dataset:
In 2003, we got an FHA loan through Well Fargo Home Mortgage. The payments then were supposed to be fixed at about {$350.00} a month. Through the years, they have raised our payment to almost {$600.00} a month. We have gotten several loan Modifications on our mortgage to try and bring the payments down. My wife and I are both XXXX and on a fixed income so two years ago, so we got a form from a Texas State agency so that we would be exempt from paying school and property taxes but, Well Fargo refused to accept the form, and still made us have to pay taxes. Then later on, we had storm damage on the roof of our home, and was given an insurance check to make the repairs but, Well Fargo waited almost a year, before they signed the insurance check, to make the repairs, By then the damage had gotten worse because of the delay so the roof was not properly repaired. 
Then later on we decided to try and list the house for sale and we had a realtor sign out in front of our home, Wells Fargo came by and saw the sign and told us to " REMOVE THE SIGN '' or they would foreclose on us. Our purchase price was around {$65000.00} and now, XXXX years later, we still owe almost {$55000.00}.
My mortgage accoun was approved for Streamline Modification on XX/XX/XXXX. Yesterday I received my XXXX payment back and OCWEN 's portal is now saying modification was not approved. My monthly payment {$700.00} was enrolled for Monthly Automatic Draft on the XXXX of every month and has been in effect since XX/XX/XXXX. 
Ocwen has been auto drafting my monthly payments. Yesterday I received XXXX payment via check dated XX/XX/XXXX. My account on XX/XX/XXXX was showing next payment due XX/XX/XXXX. Today my account is showing next payment due date as XX/XX/XXXX with {$350.00} due but the monthly automatic draft is still in effect for XX/XX/XXXX. My principal balance is incorrectly showing as {$180000.00} when debt was discharged in bankruptcy. OCWEN reported to the government in XXXX form XXXX a Cancellation of Debt in the amount of {$110000.00} and in XXXX form XXXX Mortgage Interest Statement reported my mortgage principal as of XX/XX/XXXX {$65000.00}. I also pulled my credit report from XXXX  and XXXX and my mortgage which I've had since XX/XX/XXXX is not listed or being reported to the credit bureaus.
I am among the people affected by the Equifax security breach. It is unacceptable that Equifax handled data this important with so little security around it, and now I have to worry about identity theft.
Ebay listing RE : XXXX clearly showed Paypal credit as a payment option. When I went to checkout the option was not there. I pressed the Paypal button and no Paypal Credit option. I pressed Paypal and was not transmitted to my Paypal account to select Paypal credit. Instead my bank account was illegally accessed and {$150.00} withdrawn by Paypal. This has happened before with Ebay where there was a glitch in their system. I contacted Paypal credit and was not able to resolve this with them. They insisted that the seller did not offer Paypal credit despite the fact that their listing clearly shows Paypal Credit. I notified them that I would be registering an attorney general complaint. If still not resolved we will seek legal counsel.
XXXX has placed a collection account on Transunion report for XXXX, for what I have no clue. I disputed it with XXXX and XXXX emailed me to apologize. I sent the deleted record to Transunion and instead of deleting Transunion updated the item to stay on my report until XX/XX/XXXX! This is not my bill! SEE BELOW 

On Tue, XX/XX/XXXX at XXXX XXXX, XXXX XXXX  wrote:
Dear XXXX XXXX XXXX:
 
Your inquiry filed with the Better Business Bureau was forwarded to XXXX Executive & Regulatory Services, and I have been asked to address your account in collections issue. Please accept my apology for any inconvenience you may have experienced. the item has been deleted.
 
Unfortunately, I was unable to reach you at (XXXX) XXXX; however, I look forward to speaking with you to discuss this matter in detail.
At your earliest convenience, please contact me toll-free at, XXXX, ext. XXXX. I am available Monday Tuesday, Thursday and  Friday; between XXXX XXXX and XXXX XXXX Central Time. Please reference case XXXX.
Sincerely,
 
XXXX XXXX
Executive Analyst| Executive & Regulatory Services
Branch Banking and Trust Company ( BB & T ) placed a mortgage that was not in my name on my credit as a charge off ( CO ). This house was refinanced in XXXX by me for the express purpose of removing my name from the loan because of our pending divorce. We failed to reconcile and our XXXX was finalized XXXX/XXXX/XXXX. My signature was not placed on any documents at the time the refi was transacted. There has been some irregular issues with each document that I get, either from BB & T or the courthouse. The XXXX is that I was told that I was listed as a cosigner, then as the primary borrower and neither of those is true. The XXXX document shows the payment coupon that ONLY has the name of XXXX XXXX on it, my name does n't appear anywhere. 
The XXXX document ( I am sending the original copy and the copy where i point out the fraud that has been perpetrated against me by BB & T ) you will see my name, but it is n't my 1 ) signature and if you will notice the area that contains the signatures looks as though it has been 2 ) cut out and applied to the contract from another contract or something, but the wording above it is n't correct and it does n't line up and also leaves a larger blank space under the signature lines. 3 ) The verbiage does not completely exist on the right side as it does on the left side. 4 ) There is a faint line where the content below was added and the copier picked it up when they sent it to me and the verbiage here is at a sleight right angle to verbiage above. 5 ) Where is the beginning of this sentence? Was it left on the document that this was cut from? The additional documents show my signature from XXXX to today. 
I have been to countless branches, corporate headquarters, and a XXXX phone calls trying to get this resolved. I even offered to pay the balance to just get it removed from my credit and was told by XXXX XXXX supervisor at the " XXXX '' absolutely not, we will update it to reflect satisfied, but we will not remove it! 

I obtained a copy of the certificate of satisfaction from the register of deeds that was issued in XXXX XXXX and asked how that was issued if the note was n't paid in full and XXXX XXXX replied " oh we just do that sometimes '', but my ex-wife sold the property and walked away with {$15000.00} in hand in XXXX XXXX. If the note was n't satisfied then it was their error and if they just release liens from time to time, how do they stay in business, but as for me, several realtors and attorneys, none of us have ever witnessed anything like this. 
I asked XXXX XXXX why I had not received any notification of what was owed on this property if I really was the co-borrower and she stated that they sent the letters to the address of the property. They had my current address and if they did n't they have had my cell phone number that has been the same for XXXX years and better yet, since BB & T knows how to contact the credit bureaus, all they had to do was ask them for my current address since that was also listed there as well. 
This is not my debt and I will do everything I can to get a favorable resolution to this matter, but I refuse to pay another person 's debt.
On XXXX XXXX, XXXX, I submitted a do not call request to Harris and Harris. On XXXX/XXXX/XXXX Harris and Harris acknowledged my request not to be contacted via the telephone and that they would send all communications through the US Postal Service. However, Harris and Harris continues to call my telephone number. Specifically, Harris and Harris contacted me on XXXX XXXX, XXXX, at XXXX and XXXX XXXX, XXXX, at XXXX in violation of 15 USC 1692c.
XXXX, XXXX, Equifax have allowed computer hackers to access my credit and personal information and allowed hackers to open many accounts and taken all of my money in my accounts.
Debt was placed on credit report without knowing since 2009 Affected credit score Was never notified about the debt all these years Brought credit down enorously
My husband and I both received separate written letters from XXXX XXXX XXXX XXXX, XXXX claiming that they were collecting an unpaid debt from our mortgage lender, Bank of Kansas City. Our mortgage account is in good standing and has no unpaid balances or late fees and this has been confirmed by our lender. XXXX XXXX XXXX XXXX is falsely attempting to collect debt that does not exist in a predatory manner. It also appears that our mortgage lender sold information about our mortgage to this debt collector without contacting us and/or without our consent.
I discovered inaccurate information when checking my annual credit report. I sent the 1st certified letter on XXXX/XXXX/208 and asked Portfolio Recovery to please validate the following information. I am not asking you to verify ( as in name, address, etc. ) being correct. I am challenging the validity of the alleged debt and am asking you to send proof that I owe Portfolo Recov I never contracted with anyone that has a 1 month term and I certainly never had an account with Portfolo Recov. Please remove the comments on this alleged account. They are no longer needed. Please provide the following information within ten days from the date of this letter sent by certified mail. 

Debt Validation : 1. Proof of ownership. 
2. Copy of statement from original creditor.

3. Copy of complete payment history starting with original creditor.

4. Copy of original signed loan agreement or credit card application.

Copy of cancelled check from myself ) to original creditor Portfolio Recovery did not provide me with the verification information where I signed a contract with their company. just copies of statements from the credit card company that charged off the initial account. 
on XX/XX/2018 I sent a 2nd certified letter formally requesting a copy of any documents bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. 
I received a letter on XX/XX/2018 stating that my dispute has been resolved and Portfolio would not be addressing my concerns anymore. 
Portfolio has not provided me with the appropriate verification I asked for as restated in my letter on XX/XX/2018
I sent a dispute letter to the bureaus ( XXXX, Equifax , and XXXX XXXX ) this past XXXX 2015 requesting that they remove a Ally Financial debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.
I received a collection document from Dynamic Recovery Solutions regarding a deliquent debt with XXXX XXXX XXXX. I currently hold good standing accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has confirmed with their debt recovery unit that I have no delinquent debt. The account which is listed on the document has been confirmed with XXXX XXXX XXXX as not being any that I 've ever held with them. 

I 've requested proof of the original debt from the personnel at Dynamic Recovery Solutions and was told it would take 30 - 45 days. I 've been threatened with action being taken in 2 weeks. The current owner of the debt is XXXX. According to the information I 've received from DRS, the account is as old as 2006. 

This sounds fraudulent or like a phishing scam. Please investigate and let me know what action I can take. 

Thank you!
Disputed XXXX XXXX for {$590.00} with the company multiples times, sent out 611 & 609 letters on my behalf with no response so I sent my last and final validation letter on XX/XX/18 also spoke with them 2 weeks ago at which each time I asked them to validate the debt with a written contract. Company received my disputes on It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself and XXXX nor did the company as each time they called me I asked them to send the contract with my signature.
1. On XX/XX/XXXX I disputed a bankruptcy case that's on my credit report. I received a letter stating that it was verified 2. I sent the following letter to the credit bureaus requesting Method Of Verification.

I am writing to request that you give me your method of verifying the bankruptcy case # XXXX that is showing on my credit report. I spoke with XXXX XXXX with The United States Bankruptcy Court of Arkansas ( XXXX  ) XXXX on MondayXX/XX/XXXX at XXXX XXXX XXXX XXXX, advised me that they are NOT data furnishers, nor is The United Bankruptcy Court of Arkansas reporting this. So I need to know how are you verifying this information and what method was used to verify it? I demand this bankruptcy be removed from my credit report immediately. Once removed please send me an updated copy of my credit report to reflect the deletion.

Thank you, XXXX XXXX XXXX   3. After a few weeks I received notification as " UPDATED ''
On XX/XX/2018, I qualified and completed 3 Balance Transfers with US Bank MasterCard. However, the bank sent 2 of my balance transfers to the Fraud Department without notifying me as a customer. I received no email stating to contact the company, no written notification, nor did I receive a voicemail stating to contact the company due to possible fraud. When completing the 3 transactions, I fulfilled the vetting process verifying my identity as the cardholder. I was also a customer in good standing with US Bank in which I retained a credit balance on my credit card account. However, I only received written correspondence confirming 1 of my  credit card transfers was processed. I was dismayed to learn on XX/XX/18 that 2 balance transfers were never processed which caused me undue hardship. The company could not explain why the 2 balance transfers were denied and stated my only recourse was to start the process over. US Bank business practices are a disservice to consumers because the company is prequalifying, marketing and notifying cardholders of a credit line, but when the customer uses the credit line, the transactions are being denied without any form of notification. Two of my transfers were for the same credit card. However, one was processed and one was denied. Therefore, US Bank Policies are hurting consumers. If I was properly notified, I could have handled this matter accordingly. However, the company has placed the onus on the consumers which is a violation of consumer rights. The company business practices need to be investigated because they are performing false advertisements of products, qualifying consumers for the false advertised products, and then denying consumers the use of the products without proper notification. The company actions are causing consumers unnecessary fees and lowering consumers credit scores.
XXXX/XXXX/XXXX Complaint Sent to the Consumer Financial Protection Bureau I am complaining about apending illegal eviction. 
My son has a valid, notarized lease on my mother 's house, executed on XXXX XXXX, XXXX. On XXXX XXXX, the house was foreclosed on, but my son continued to live there and pay rent. He has been paying on that lease in exchange for his right to live in the house. My mother has moved out of the house because she had sustained several XXXX and was unable to take care of herself. She is using the money to supplement her social security income to pay for her care in a local XXXX home. 
On XXXX XXXX, XXXX, we received a Notice of Eviction. They sent a form for a renter to fill out describing the details of the rental arrangement, entitled, " Change in Occupant Questionnaire ''. My son sent the form back, along with the lease. The document was sent certified mail to the law firm as well as to the holder of the mortgage, XXXX XXXX. Also sent were payment receipts, initialed by my mother. We know they received it, because they signed for the certification. This indicates that Nationstar and law firm were aware of the lease, and that they were aware of Maryland state law. 
On XXXX XXXX, my son received a sheriff 's notice ordering him to vacate the the premises and a writ of repossession. AT NO POINT HAS MY SON BEEN CONTACTED ABOUT THE VALIDITY OF THE LEASE. 

REMEDY : we want the loan servicer and the law firm to honor the lease and rescind the sheriff 's order before XXXX XXXX, XXXX. 

XXXX XXXX
Second time I am contacting. My account is through AES. Risking defaulting on my loan because they wo n't work with me to come up with a payment arrangement I can handle for my income. I make {$12000.00} a year right now. I have explained this, and they wo n't listen. Told them I am still looking for a job in my field. First time I contacted cfpb, AES sent me forbearance papers in the mail. Surprised, I signed them and mailed them back. No contact or communication from them, just papers. Today, I get a response on the forbearance..denied. Because I will not pay what they are demanding, {$340.00} a month.. I 'm not saying I wo n't pay I just need someone to work with me, and they wo n't. Im agervated and disgusted, and feel my credit is probably going to be ruined.
Express Recovery is attempting to collect an erroneous debt from me & a new business I have that was not even in existence when this debt was incurred. My new XXXX XXXX XXXX XXXX XXXX has n't done any work/business yet nor do I even have a business licence. I opened this business a month ago and they are claiming I owe something from 2015!. It is absolutely erroneous and they are rude when I call and tell me it is being forwarded to their attorney for collection.
I was affected by the XXXX breach. Someone has stolen my identity. I've taken every precaution to try to secure my information. I've put freezes AND extended fraud alerts on all 3 credit bureaus SEVERAL TIMES ( Experian - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ; XX/XX/XXXX ; and I locked the account myself online around that time. I also put a promo block on XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX and XX/XX/XXXX ) and they were allowed to be lifted by someone who was NOT ME. I have put verbal passwords in place to ensure nobody can alter my information, but they were either overlooked or accepted pending further questioning to " prove my identity ''. The " further questioning '' consists of questions giving multiple choice answers to someone who has already stolen my identity and can see the answers on my credit report. In one or 2 cases, someone was allowed to fax in " my '' drivers license for the freeze to get lifted. It was NOT MY DRIVERS LICENSE. I shouldn't have to feel like I'm protected over and over again, only to get alerted by my credit monitoring company that new inquires or tradelines are again being opened in my name. I'VE ALWAYS LIVED IN MINNESOTA. The fraudsters have given me an address in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX IL XXXX. I'VE NEVER LIVED IN XXXX! I have spoke to multiple people at the 3 credit bureaus who assured me none of my information would change, YET IT DOES!
This is not the dentist I go to I have been going to the same dentist for the last 10 years.
I opened an American Express Delta Gold card on  XX/XX/XXXX.

I set up automatic payments on XX/XX/XXXX. When I set this up, it was not clear that the payment would not be automatically made for the next payment ( due on Sunday, XX/XX/XXXX ).

I checked my account of Monday, XX/XX/XXXX and noticed a {$27.00} late fee. I immediately paid the amount manually and reached out to American Express via the messenger app and they agreed to waive the late fee. They said in the fine print, it said that automatic billing would not take effect until the following billing cycle. 

The next statement had a {$45.00} interest charge. I again reached out to American Express, explained the situation and they said they would not waive this. I then said it seemed wrong to waive the cheaper late fee ( {$27.00} ) than the interest charge ( {$45.00} ). Then they agreed to waive the {$45.00} interest charge. This was a phone conversation that occurred on XX/XX/XXXX. This representative agreed to waive the interest charge verbally. 

I looked at my statement today ( XX/XX/XXXX ) and realized not only did they not credit the {$45.00}, they also charged me an additional {$4.00}. I called American Express today ( XX/XX/XXXX ) and they said the credit of the interest charged ( {$45.00} ) was later declined. Also, they said the {$4.00} was residual interest. I went ahead and cancelled the card. 

Here is the really frustrating part. The annual fee is {$95.00}, but is waived the first year. With all these fees, I ended up paying almost 50 % of this fee in the first three months of having this card. While this all started with the automatic payment setup, it feels the fees and treatment of this situation is ethically wrong. It seems as though American Express should make this explicitly clear during automatic setup that you must manually pay the first month. And the fact that they waived the cheaper option ( late  payment ) than the interest charge feels wrong. In the three months of having this card, I was charged a fee on each statement. 

I hope this can help others in the future. I am a customer that wants to make my payments on time. I am not sure why this was so difficult. Thank you.
In 2008, My ex husband bought house on XXXX XXXX XXXX in XXXX XXXX, NY. The loan was through Bank of America. I am not on the loan. Bank of America is trying to serve me with papers about a foreclosure. I am not an owner. They are also reporting it on my credit report which is fraud. My ex husband is XXXX XXXX and he lives at XXXX XXXX XXXX. XXXX, NY XXXX. Article XXXX of my dirvorce decree states that I am discharged of any obligation with regards to XXXX XXXX XXXX. Per my divorce decree the judge 's ruling is binding. I will not accept any papers regarding anything with XXXX XXXX XXXX.
Equifax will not take my dispute. They have wrong information on my report and I have tried numerous times to have this issue resolved but I need a number of some type and I still can not access the account. There are two open accounts and seven hard inquiries to chase that I did not make. Two open accounts on other credit companies have been closed or deleted but I cant do this with Equifax. I just want to clear this up.
We have been trying to work on a modification through BSI for XXXX XXXX since XX/XX/XXXX. The servicer stated they sent missing documents letters and set a foreclosure for XX/XX/XXXX which our firm was able to get postponed and we resubmitted for modification. I spoke with the assigned agent today, XXXX XXXX, who stated that the borrower is not entitled to a modification review and that they sent a denial for missing documents on XX/XX/XXXX when in fact I received a complete application letter on XX/XX/XXXX and on XX/XX/XXXX they stated the file was still under review. I called them again on XXXX/XXXX/XXXX and the assigned agent was not available so they said they could not give me an update, the only agent allowed to discuss was XXXX XXXX. I left a voicemail to which I received no response. Today, after calling twice, a customer care agent was able to reach her and she rudely stated the account was denied and that the borrower had not paid for X amount of time therefore, the denial should not be deemed " unfair ''. We want to formally file a complaint as we believe their processes to be unjust. Now, they will deny any application and the agent stated, per your guidelines, they can decline if the application is submitted within 37 days of the foreclosure, yet we have been trying to get this completed since XX/XX/XXXX.