WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I had a mortgage on our home and decided to enlarge the house. We jointly applied for, and was awarded, a construction loan in XXXX. Both names were on the loan and both names on the deed to the property. Once construction & inspections were complete, the construction loan was transitioned into a 30-year fixed rate conventional loan in XXXX. The loan had only my husband 's name on it, but both names on the property deed. We were told at closing that it didn't matter if my name was not on the loan, that if something happened to my husband I could assume the loan. Late XXXX, my husband abandoned the property and our marriage. Our divorce decree granted me full, exclusive use of the house. I contacted Wells Fargo Home Mortgage about assuming the loan. I was told that could not be done because I wasn't a co-borrower. Refinancing the loan could not be done because the property was " under water '', " upside down '', etc. There was a HAMP modification done in XXXX under my ex-husband 's name. 
If Wells Fargo XXXX had just allowed my name to be on the loan as a co-borrower, it would have saved me so much stress. Once the modification was done, the loan was never in arrears because I was the one responsible for the payments. 
Now in XXXX, the value of the house is still approximately 10 % " under water '' and my income has not kept up with the increases in the interest rate set forth by the HAMP modification. 
I can't do a modification or apply for assistance through a government program because of the criterion that the borrower must reside in the primary residence. I'm a homeowner, but not a borrower. 
The loan has since been service-released to XXXX XXXX XXXX.
I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XX/XX/XXXX reported this to XXXX. I have XXXX insurance, which totaled the car on XX/XX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XX/XX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the insurance  department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XX/XX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.
Starting around XX/XX/XXXX I entered into a loan modification with XXXX XXXX. I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in XX/XX/XXXX, XXXX continued to report that I was 30, 60, 90, and even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX ; finally showing as current beginning XX/XX/XXXX through XX/XX/XXXX. XXXX accepted a nominal loan amount from HUD for the amount XXXX indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with XXXX for over 2 years to correct the reporting to my credit. XXXX informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around XX/XX/XXXX I filed a dispute inquiry with Equifax. The result of that dispute is that XXXX reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to XXXX around XX/XX/XXXX. I indicated that since XXXX can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then XXXX must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than 10 business days. I received several letters from XXXX 's XXXX XXXX Department and their Research Department indicating that they " are unable to provide you with a response '' and they need more time. Today is the 32nd business day. I called XXXX 's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in XX/XX/XXXX and that I should allow them " 4 to 5 more business days to locate that information. '' I sold my home at XX/XX/XXXX and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since XX/XX/XXXX related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from XXXX , still in the loan modification trial period. I have additional documentation if needed.
We have received XXXX checks from an insurance claim dated XXXX/XXXX/16. The first XXXX checks were endorsed without issue and the repairs commenced on our home. The XXXX check was the result of a settlement between us and the insurance company. Wells Fargo refused to endorse this final amount and has since held the funds in escrow despite our repeated documentation that this final settlement contains portions of personal property and costs incurred, which the mortgage company should not hold in escrow but return to us. Wells Fargo is refusing to do so until an inspection takes place despite documentation of Certificates of Completion from the City of XXXX for work requiring permitting, detailed documentation from our lawyer, a settlement agreement, and several requests in writing directing the personal property portion be returned. Wells Fargo keeps us on the phone for hours with Tier XXXX CSR 's until no effectual resolution is reached.
I am on the Income-Driven Repayment Plan for my student loans. My service provider is FedLoan Servicing. I just completed the annual renewal process for my plan, at which time my monthly payments were increased from $ XXXX/month to $ XXXX/month. I am unable to pay the new amount. I did have a very small increase in pay ( 2.5 % ) last XXXX from $ XXXX/hour to $ XXXX/hour. ( I work full-time/non-exempt, which means if I do n't have work for 8 hours/day, I do n't get paid for 8 hours ). I work for a XXXX XXXX XXXX XXXX for people who have severe and multiple XXXX. My pay is approx. minimum wage in the area where I live, which is in one of the highest cost-of-living areas of the United States. My budget is stretched to the limit every month. I was able to pay the $ XXXX/month payments. The new amount, $ XXXX/month, however far exceeds my budget. I am XXXX years old, live in a very small rented room, and on my paycheck, I am not able to save for future health care/living costs. When FedLoan Servicing increased my payment amounts, based on their calculation of how much my income allows me to pay each month, I wrote to them ( on XXXX ), told them that I can not pay that amount, and asked the why the increase was so high, when my pay and pay raise was little. I also provided details and requested that they help me find a way to lower my monthly payments to approx. the amount I paid last year, {$82.00}. They emailed me a form letter on XXXX, saying I would hear from them within 10 days. On XXXX, I received the bill for my next payment, due XXXX XXXX, for {$340.00}. I emailed them immediately, again stating that I can not pay that amount, and asked them to help me lower my payments to approx. the amount I was paying. I understand that it has not yet been 10 days since their XXXX form email, saying I will hear from them within 10 days. I am sending in this complaint, however, in order to get some clarity and support in this situation. I do not understand their reasoning regarding raising my payments so high. Also, with the changes proposed by our new administration in the Federal Government, I do not know if I will have any support in the future. Thank you very much for your assistance.
There was an XXXX account opened that was did not belong to me that is currently in collections. The account was opened on XX/XX/2013 in the amount of {$1100.00}
I have been receiving numerous calls from Synchrony Bank from XXXX XXXX to XXXX XXXX. They are calling 20 plus times a day. I have repeatedly asked them to stop calling and have explained to them that I will pay them when I have money. I have asked for a cease and desist notification to be put on the account under my social security number and they stated that they will notate the account and then 5 minutes later they call back. I have advised them that the account should be notated and that they need to stop calling.
XXXX XXXX at XXXX XXXX XXXX called me at work about a debt his company bought from XXXX XXXX. It 's the first contact I 've had with them. I do not know if this is legitimate, but being called at work is unacceptable.
XXXX XXXX, 2015To whom it may concern : I would like to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, their appraiser. 

In XXXX of 2015, I made application for an FHA loan with XXXX to purchase the home I was renting. I then paid them {$480.00} for an appraisal. The appraisal was done and I received a black and white copy. Unfortunately, XXXX began asking for strange documentation, implying that I was likely laundering money, which I was not. In XXXX XXXX, I decided we were at an impasse and made application with another company. The new company, Pacific Union Fianancial, asked for the FHA case number to be assigned to them, which it was, and for a color copy of the appraisal. It took several weeks, but eventually a color copy was provided to them. 
Pacific noted thast the appraisal called for certain repairs that needed to be done. It also failed to note that the seller was paying {$4500.00} torward my closing cost. Pacific Union, my mortgage broker, and I all requested that the appraisal be corrected and a final inspection would be needed. We spoke to XXXX, XXXX, and the appraiser. Each refused to cooperate despite FHA regulations that require them to do so. Eventually, we had to pay {$450.00} for a new appraisal. 

The time lost in attempting to get what should have been provided required several rate extensionswhich caused us not to get a lender credit of {$660.00} which we would have received had XXXX and it 's appraiser followed FHA rules. In addition, we had to pay {$450.00} for a new appraisal. We believe we are entitled to damages of {$1100.00}. 

Sincerely, XXXX and XXXX XXXX
On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding XXXX XXXX XXXX XXXX. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with Transunion. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted Transunion concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however Transunion refused to comply with the FCRA compliance. This action has affected me in a negative way
LVNV Funding LLC attempted to sue me for a debt originating from XXXX XXXX XXXX in XX/XX/XXXX. I called to pay the debt to prevent a judgement on my record. I was told I had to now contact the Law office the contracted to handle the lawsuit. I called XXXX XXXX XXXX  on XX/XX/XXXX to pay the debt. I was offered a settlement in full of {$500.00}. I accepted only after I asked if they were permitted to offer settlements on behalf of LVNV and they said yes. They also stated that this debt would be cleared and could not be sold or collected on after this payment and would be dismissed in court. There calls are recorded therefore proof of this conversation can be obtained.
I paid the debt right thenXX/XX/XXXX via check by phone ( see attached cleared check ). I received a letter from XXXX XXXX XXXX stating this debt was settled in full ( see attached letter ) onXX/XX/XXXX. I have waited for my reports to update and now LVNV is reporting that I still owe this debt in the amount of {$270.00} the difference of the settled in full offer I paid. They are reporting this amount to XXXX and XXXX and are still reporting the full amount owed of {$770.00} to XXXX. I have tried contacting them with no avail. This debt was paid and to be removed according to they law office they contracted to sue me. I will still have to appear in court onXX/XX/XXXX to make sure they actually dismiss this case, because now I believe they will still try to obtain a judgement due to their wrong collection processes.
This complaint is about my Amex Platinum consumer credit card and a separate but related Business Platinum card, and the deceptive marketing around the use of Membership Rewards points. On XXXX XXXX, XXXX, I used " pay with points '' on the Amex Travel website to purchase airline tickets on XXXX XXXX for XXXX points, equivalent to {$470.00}. My purchase was eligible for the 50 % bonus reward because I have both the Platinum and the Business Platinum card. AmEx marketing said when I signed up for the card : " You 'll receive 50 % of the Membership Rewards points used for flights with your selected airline back. '' My selected airline is XXXX. In the past ( on XXXX XXXX ), I received the bonus the day after the Pay with Points purchase ( see attached screenshot ). However, I have not received my 50 % bonus for the XXXX XXXX purchase - 19 days ago. I have spoken with 7 different agents at AmEx and AmEx travel, including 2 supervisors. They all say I used my Platinum card ( not eligible for 50 % bonus ) instead of my Business Platinum card for the Pay with Point purchase. But that 's not true. Whey you pay with points, you use your online login to make the purchase - and my login is tied to BOTH accounts. My understanding from the website is that as a Business Platinum cardholder, any Pay with Points purchase with XXXX would receive the 50 % bonus. I have no idea why the charge was posted to my Platinum card instead of the other one - I thought all Pay with Points purchases would post to Business Platinum since no reasonable person who had both cards would use the one that is NOT eligible for the bonus. I asked if they could transfer the " purchase '' ( not really a purchase since it was with points associated with both accounts ) from the Platinum to the Business Platinum card, and they refused. They also refused to manually credit me with the points, even though they clearly have the ability to do so. This seems like a trap designed to rob people of their points. I pay {$900.00} in annual fees for this Pay With Points benefit, and it is not fair to deny me these points, which I have earned by carefully following their rules and jumping through hoops to book a flight on their website and on the specific airline that is eligible for the reward ( XXXX ). I would not have applied for and used a Platinum card at all ( business or consumer ) - and I would not have booked these particular flights - if I had known they were going to deny me my points.
My Gold American Express Credit Card has had Fraud since about XXXX or XXXX of 2016. I 've been making contact with American express to get the amount that I owed for my payment considering the fraud on the account. I told them I was n't going to pay unless everything was calculated properly and fairly. Finally, XXXX approaches and my account is the same. I did n't see any deductions. Every time I call they tell me its been taken care of. At the time, I get an alert from the credit bureau saying my account is 30 days past due. I called again and they stated that would be taken off. XXXX finally comes and I deal with the same thing. XXXX comes and I am still dealing with the same thing. At this point I am highly stressed out and do n't know what to do. I am asking to speak to the American Express Credit Bureau dept and no one wants to put me through. They keep saying I 'll see updates. At this point, I get an alert and it says my account is 90 days past due. Towards the end of XXXX I spoke to an account specialist who finally understood what I was saying and he did what he could do. He told me my account would be back open by XXXX XXXX and if it were n't to give them a call back. He also stated that my account should be back current because I should n't be responsible for unauthorized use. He said he read all my notes and can honestly tell me that I should n't have to go through this and that nothing was my fault. His name was XXXX and his XXXX. Besides that, I called XXXX XXXX, 2016 and my account was n't open still and apparently the rep I spoke with told me I had to reapply which is extremely unfair by the way.
I tried to apply for a Secured Credit Card with Discover. I decided to apply online and everything was fine until I got into the SSN ... I do not have a SSN from the SS administration but, I do have credit. Many of the credit bureaus have requested from me a letter from the SSN that I dont have an active SSN, ( I have this letter also ) so they are using my ITIN # and my Passport Number to verify my identity. This is not the first CC I have, I have XXXX with XXXX XXXX XXXX and XXXX with XXXX Bank. The reason for me to apply here is because I would like to diversify my credit by asking credit to other institutions. When their webpage forced me to enter a SSN I decided to open a chat ( which I can send you back as a transcript ) and talk to them on having an alternate method to verify my identity. I think I was discriminated as they denied to accept other document to verify my identity ( my passport for example ) even if I can prove from the SS Administration that I do n't have XXXX, basically they told me : if you do n't have a SSN you can not have credit. They told me this was just to verify my identity but, I think they would be able to do that by other ways, they just do n't want to. Please HELP.
Citicards has filed inquires that were not made by me and sent to XXXX on the following dates -- - > XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have reached out to citi plenty of times and have even did all there instructions on writing a letter back to them to resolve this matter. Months have gone by and these items have still have not been removed.
i contact upgrade today XX/XX/XXXX XXXX about the amount of a discrepancy on my account. ive been paying my balance every month since i open the account. ( XXXX ). ive made 8 payments, XX/XX/XXXX {$540.00} {$350.00} Principal {$190.00} Interest XX/XX/XXXX {$540.00} {$360.00} Principal {$180.00} Interest XX/XX/XXXX {$540.00} {$360.00} Principal {$180.00} Interest XX/XX/XXXX {$540.00} {$370.00} Principal {$170.00} Interest on XX/XX/XXXX i wanted to make an extra payment to bring down the balance quicker and pay my loan off at in a short amount of time. but to do so you have to call it in which i did. after, the next payment which should have been automatically removed from my account on XX/XX/XXXX wasn't. so i called in to have the auto payment removed and paid. it was done. ( XXXX XXXX XXXX ) the next auto payment was supposed to be taken on XX/XX/XXXX it was not so i called it in again to have it fix and paid. ( XX/XX/XXXX XXXX ) and notice the interest was not being taking out and that there must be a problem i don't want to be penalized in the future for the mistakes upgrade are making, and was told on the phone it was ok the balance for the months are satisfied and i would not be penalized and would bring this to the attentions of management. mind the fact that the two payments i made after XX/XX/XXXX don't show up on there site but it was removed from my account and calculated in the balance. so the balance now is XXXX so the auto payment was not taken out of the account again. and i call XX/XX/XXXX to have the payment taken again. ( XXXX XXXX {$61.00} Principal {$480.00} Interest ). so when i called about the problem that almost all of my money was taken in interest and only XXXX was taken to principal. there is no way the interest should be that high. what there trying to do is basically charge me back all the money they miss because of their plenty of mistakes. interest is calculate daily for 30 days which a payment every month would reset that for the next 30 days. i did the math and there trying to changer back almost 3 months to cover their mistakes. after telling me i wont have to pay for that the first time. i i knew better i would have never made the extra payment or better yet take the loan from this company. and when i called to settle this matter one Representative told me one deal where she could get it down to XXXX " give or take '' and the supervisor tells me theirs nothing she could do so who do you believe because obviously their trying to cover for there entire groups mistakes. i even had to contact XXXX XXXX because they were reporting the wrong balance and they don't show the amount i paid for the two months.
I have notified Experian that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  or  XXXX   XXXX  . Please remove these addresses from my credit file.
Equifax handled my data poorly and leaked it by having poor security. I verified this via their website : https : //www.equifaxsecurity2017.com
Have a court order since XXXX XXXX 2011 Court found it on my favor. Ever since the apartmentd XXXX are putting me on collection for the amount of {$1800.00}. 
They have not removed it. Even when I have proof and summit to my credit bureau.