WillisBack/dataset-financial-user-claim huggingface dataset:
I have been having problems from the beginning first starting XXXX. I was denied a loan modification time and time again. finally after the Obama enforcement went into affect they started working with me on a loan modification and qualified for reduced principle reduction. Instead they offered me a loan modification that increased my principle and added XXXX dollars to my loan. all the time I was fighting for a loan modification they added all kinds of undocumented latefees, escrows principle and interest payments ect. I was in dispute with them and working on getting a principle reduction, then I was transferred to Nationstar not aware. Nationstar communicated to me both verbally and on their website, that I was still in process for a loan modificatioin review for my principel reduction. several months later they notified me that they updated there system and I was not in review for loan modification correction and now am behind. I spoke to several managers that were going to credit me all late fees and the months my account was in limbo waiting for them to figure it out. but instead they threatened me to bring funds in or get foreclosure. I contacted them recently about my payments, asking about late fees that should n't be there and why is payment history does n't reflect accurately. I asked to make arrangements to send payments as I could but they pushed my loan to foreclosure and added several XXXX dollars in fees over XXXX. and said I know have to pay the entire thing current. I have never been able to have a single point of contact. I have to explain the story over and over each time I call and the person I speak to does not have any resolution. a letter is sent out that says my single point of contact is, but this person never answers or returns calls. they make it impossible to resolve, they are not working with me on keeping my home or making payments. I have informed them I can make lump payments but they will not accept. they keep adding fees and increasing my total due. I can never get to a manager.
I just was made aware of the CFPB 's Consent Order against Portfolio Recovery Services ( case # XXXX ). I believe I am one of the victims of their unlawful collection tactics. Back in 2012, my wages were garnished by Portfolio in the amount of {$3600.00}. Portfolio did indeed use the tactics as described in the Consent Order in my case and I believe I am due a refund and have any negative credit report information rescinded. Attached are copies of the Case Summary against me filed by Portfolio along with my XXXX credit report showing negative action from Portfolio.
Submitted a validity of debt to the company ( Capitol one ) no response in mid XXXX XXXX no reply. Submitted another letter no reply. No reply to even find out about the debt and possibility of settling it since it 's charged off and closed
I was a victim of identity theft, according to what the bank stated to me the victim was arrested, they refused to give me anymore information.
We received a letter from XXXX XXXX with the collection company Vericore on XX/XX/XXXX stating that we owed a debt to XXXX XXXX XXXX for invoices from XXXX and XX/XX/XXXX, and that they intended to file a personal lawsuit against the owner of our company if that debt, legal fees and collection costs were not paid in full. Our accounts payable clerk reached out to XXXX XXXX that same day via email to let him know that we had already paid some of the invoices in question. She sent him copies of the checks that had been mailed and cleared the bank. She asked him what the balance was and how we could pay it. 
XXXX began calling and emailing daily from that point forward. He told the accounts payable clerk that if we paid the full balance of {$3800.00} he would be able to negotiate with our vendor to waive the fees and legal costs. We wrote a check for that amount on XX/XX/XXXX and sent him a copy of it. He immediately responded that it was not the correct amount because it did not include the fees. We told him that we were not confident that the balance he was charging was what we actually owed and that we wanted to confirm with our vendor. At that point he began making threats about calling our bank, vendors and other lenders about the debt. He said he was going to file a lawsuit against our owner. He started calling the office several times a day, and my personal cell phone and leaving voice mails. His emails were sent to four different employees of the company and were increasingly rude and threatening. 
On XX/XX/XXXX I sent him an email asking him to stop harassing us while we got to the bottom of the situation with XXXX and paid the debt. He responded multiple times on the XXXX and has already emailed twice today. His first email was sent at XXXX XXXX. He was never given permission to call me on my personal cell phone or to email XXXX XXXX one of our superintendents. 
We overnighted a check paying the balance in full to XXXX billing company today, XX/XX/XXXX. After filing this complaint I intend to make a complaint with XXXX and send a formal cease and desist letter.
XXXX XXXX XXXX who works for Dominion Capital Mortgage Inc. located at : XXXX XXXX XXXX XXXX XXXX XXXX VA. XXXX emailed me and offered to refinance my mortgage at a lower rate. I contacted me and after a couple of days indicated that my application was approved and charge me {$450.00} for appraisal which I paid. 

Few days later he indicated that he sent my application to underwrite to finalize it. 
After few days he called and told me that the bank turned down my application for not having enough to be qualified for loan. 

I asked him to credit my credit card, he refused to do it. My complain is, if you could not get my application approved why you order appraisal.
Regarding Case number : XXXXI just recently found out that Barclays Bank was withdrawing monies from my account without authorization from XX/XX/XXXX to XX/XX/XXXX. I was a full time student, unemployed, and going through the Home Affordable Act at the time this all happened. According to my bank these payments were taken via ACH and not through personal payments. That is how Barclays is able to show a statement of payment on former complaint file. Also, on the letterhead addressed to me they note an amount of XXXX on original balance yet my limit was XXXX which is stated on XXXX XXXX. Barclays has fraudulently withdrawn monies from my bank account after closing my credit card account and my online account, to which I had no personal access to. Information given to CFPB does not match info on XXXX XXXX or XXXX.
I contacted the credit bureau Equifax concerning the collections accounts, which were incorrect. Disputing the items but was not removed.
Back in XX/XX/XXXX XXXX XXXX XXXX put through two fraudulent Auto loans in my name. One through Navy Federal Credit Union ( approx. {$38000.00} ) and one through XXXX ( approx. {$50000.00} ). I informed both companies that I did not I did not consent to these loans. I have fought this since XX/XX/XXXX and in 2016 Both owners of XXXX XXXX XXXX were convicted of fraud and forgery amongst other charges. Finally in XX/XX/XXXXXXXX has evaluated ALL of the evidence from me and from the Delaware Department Of Justice and agreed to remove the fraudulent XXXX loan but Navy Federal will not properly Investigate this. I have attached the letter from Delaware Department of Justice that was sent to XXXX.
The school was closed down do to unlawful practices. I attended this school in XXXX an withdrew from the program early due to motorcycle accident broke both arms an a leg, yet the loans were still being processed as if I was still there an I believe to full amount of program which makes no sense.
There are many inquiries on my Transunion credit report the majority of them arent mine. Someone has been attempting to get credit with my name
Bank of America charged me a {$12.00} maintenance for when my balance dipped below the minimum requirement of {$1500.00} for just one night. The next day I had {$1000.00} put into the account to bring up the balance. In addition, my balance has always stayed above the {$1500.00} minimum for all the other days of the month. I find it very exploitative that I would be charged the full maintenance fee for having my balance fall below the minimum for just one day as for compared to somebody who was below the minimum for the entire duration of the cycle. One day versus the whole month should not equate to the same amount. I called customer service, spoke to a supervisor and they continued to insist that the {$12.00} fee is fair to be charged to my account.
I have a lot of fraudulent inquiries that are not mine on my credit report with Transunion. I 've addressed this issue with transunion when I sent them letters about the inquiries as well as other accounts on my report that do n't belong. All of the inquiries were removed from my report and then reinserted without a 5 days notice which is an FCRA Violation. I 've reached out to them on numerous occasions and the representatives would tell me I have an extended file. They stated sometimes it will show no inquiries depending on while file being reported. This is against the law and I want these inquiries removed.
Equifax has a XXXX credit card showing it is OPEN with a XXXX balance. 
They have been sent copies of the XXXX. This should show the credit card as CLOSED with a XXXX balance. Letter from XXXX was also sent reflecting that this is true information. 
My credit score has dropped without explanation with them for no apparent reason.
We started with XXXX, sold to XXXX. Went thru a trial modification with XXXX and were told we we APPROVED FOR PERMANENT MODIFICATION, never received papers and then told " sorry, miscommunication, you 're not approved ''! Started MHA program application and XXXX sold loan to Select Portfolio. Have submitted docs to SPS thru HUD agency but SPS always says they never got them. HUD agency never got an answer from them so now they serve foreclosure notice. Sent SPS QWR but they send one doc and that 's it
Recently, on XX/XX/XXXX, I was assessed a {$19.00} annual fee for this account. I attempted to seek a waiver of this fee as I have in the past, due to the age of the account and my loyalty I have generally had no problem getting the fee waived. I spoke to a supervisor in Capital One 's regular phone customer service department after a regular representative was unable to assist me. In the past 6 years I have had this account, I have been offered an upgrade/product change one time, and there have never been any subsequent offers available to enable this account to grow with me. I was offered a credit line increase once in the last 3 years of {$250.00}, and none since that time. I have other accounts with much higher limits. I have never been late or delinquent on this account, and yet Capital One has become even more rigid in terms of the account. The supervisor stated that fees can not be waived unless their " system '' determines I am eligible for a waiver, or I close the account within 30 days. She also stated Capital One has become less lenient in giving their basic representatives or supervisors the ability to waive fees as a courtesy. I would hate to close a 6 year relationship over a {$19.00} charge and the inability to provide any sort of limit increase or product change. This is currently my only account with such a fee.
I called Capital One to make a balance transfer from another bank XXXX XXXX Bank XXXX for a lower interest rate. I called within XXXX minutes of the first phone call to cancel the transaction. I spoke with a supervisor and was told that the payment did not go through and he would put a stop payment through and I may have to pay a XXXX dollar fee for the stop payment, which I agreed to do. He said there would be no problem as it was only XXXX minutes since I made the request. I was told that the transaction could take XXXX business days so I did n't think there would be a problem. This was on XXXX XXXX. Then I got an email saying that the transaction went through. I think this was on XXXX XXXX. I called Capital One again and spoke to a supervisor. I was told they saw the stop payment and it went through but it takes sometime to show up on the account. A day or so later I looked at the bank that I was having the transfer made from XXXX XXXX Bank XXXX, and it did go through. I called Capital One again and spoke to a supervisor. I was told to call XXXX bank to ask for a refund. I did this but XXXX bank said they could n't do that. 

I called Capital One again and I was told again that the stop payment was denied! Basically, because it was an electronic transaction it was instantaneous and there was no way to reverse the transaction. I told them that a supervisor had assured me that they could stop the transaction when I called immediately after the request. I said I was lied to and/ or they made a mistake and/ or the people working for them had no idea how to handle this situation. I did n't want to pay the fee of {$87.00} because I was told the stop payment was possible and due to the basically instant request on my part to cancel the transaction and was told the stop payment was made. The supervisor refused to help me in any way. He said I could n't talk to anyone who could help me and he did n't have the authority to credit the fee. I pointed out to him that legally a person has the right to cancel a financial deal within a certain amount of time, in this case it was only XXXX minutes when the request was made. He told me that was not true. I asked to speak to the legal department and he said they did n't take calls. Basically, he said there was nothing I could do. 

I do not want to pay this fee as I was given false information and asked for a cancelation in a timely fashion. I was lied to on many different levels. I was told that the transaction would take XXXX business days. I was told the stop payment was made.
Bank of America inexplicably closed my checking account after two days and after I had already scheduled deposits into the account. They claimed it was for " business reasons '' and refused to offer any explanation beyond this.
I noticed a fraudulent account on my XXXX report XXXX of 2016 from a company called, XXXX XXXX XXXX. They were, and still are, reporting that I owe a {$7000.00} debt for an  involuntary repossession. I filed a police report and submitted it to Credit Acceptance as well as XXXX  asking them to remove this fraudulent item from my credit report or furnish proof that the debt was mine. I 've not received favor responses from either company. In fact I was threatened by an employee from Credit Acceptance. And XXXX continues to tell me that Credit Acceptance has verified the debt is mine but refuses to show me the proof. I am obviously frustrated and dissapointed that both companies are so unwilling to help.
On XX/XX/XXXX, Citibank sent us a letter saying that for an unstated reason they were closing our primary, 30 year old checking account on XX/XX/XXXX and that our debit cards would be blocked 5 days prior. This is the account into which all our income is directly deposited and from which our bills are paid. Our daughter received a similar letter regarding her savings account the day before. 

We called the telephone number on the letter the day we received it and were told that the letter was sent in error and that we could ignore it. On Saturday XX/XX/XXXX, we discovered that our debit cards were blocked and that we had no access to our accounts on line or at ATM. We called and were told that there was nothing that could be done since it was a week-end. It was in fact a holiday week-end and banks were not open until Tuesday, XX/XX/XXXX. 

As of XX/XX/XXXX, the situation has been resolved after a branch visit and several hours of investigation. The one person responsible for our dilemma was on vacation from XX/XX/XXXX-XX/XX/XXXX. We never learned how the branch manager and his superior ultimately resolved the problem nor the reason for its happening. But the XXXX of those five days was terrible. We would have been without income for at least a month had that account been closed. Moreover, the failure of a global bank to be able to address so serious a mistake 24/7 is breathtaking and inexcusable. How can one person have that kind of power? 

Attached is a copy of our letter to the CEO of Citibank , N.A . and copies of the XX/XX/XXXX letters that both we and our daughter received dated XX/XX/XXXX.
I've been receiving mail and calls via the debt collector and its become a harassing matter. I tried to request verification via the debt collector and they can not provide it yet still send me letters in attempt to collect.
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for MEDICAL DATA SYSTEMS license. I have found they are in direct violation of  TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. MEDICAL DATA SYSTEMS does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNE  SSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager  who has submitted an application on a form prescribed by the board.  TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  MEDICAL DATA  SYSTEMS is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
I HAVE A LETTER FROM XXXX XXXX XXXX STATING THE BILL WAS TAKEN CARE OF SEEING IT WAS A MILITARY RELATED INJURY. I HAVE CALLED MANY TIMES BUT IT CONTINUES TO STAY ON MY CREDIT XXXX REPORT.
I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having 2 missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.
I had my bank card stolen and my account was overdrawn. Consequently, my account was flagged and reported as supected fraud XXXX. Please advise.
Being charged an incorrect amount of interest and also the loan payments applied for the month of XXXX and XXXX of XXXX were distributed incorrectly. Called XXXX servicing ( XXXX XXXX XXXX XXXX XXXX ) customer service line twice to correct this error and sent several emails. The agents agreed to make the corrections, however, they never took place. I tried calling a third time on XX/XX/XXXX at XXXX Central time but their automated system did not provide the option to direct me to a customer service agent.
I disputed a chapter XXXX dismissed bankruptcy with experian. The investigation came back as verified. I received a letter from the court explaining that they DO NOT report to credit bureaus and therefore must be deleted.
I have a problem with XXXX and Experian they both keep sending me the same response need more documents. I have sent them countless of these attached proof of identity to these companies and they still ignore to dispute any of my disputes. it has been over XXXX to XXXX to a year that they are ignoring my disputes. XXXX has been the worst I called someone on the phone and I asked them about the dispute of that Bankruptcy XXXX on my report. they said it has been stuck in the system for while and it has n't been disputed. So i asked them to take it off because it has been over a 5 months and they refused. Experian just sends me letters of needing more proof. 
Also they have XXXX different names addresses on my credit report that do n't belong to me.
On XX/XX/2016, American Express reported on my credit file a delinquent charge. During this time, I was experiencing a serious illness which led to hospitalization and XXXX. As a result, I fell on hardship, as well as charges being made on my account that the creditor has not been able to verify. Can you please assist me in this matter of helping to restore my credit.
Bank of America ( who gave me a mortgage loan 2.5 years ago ) keeps sending refinance offers with outrageous claims about saving money. 
Their claim : Refinance at a slightly lower rate and save {$4300.00} per year. 
They fail to mention that the extended term on the new loan will increase the total of payments by {$10000.00} under the terms of this advertised refinance offer. It completely fails, in every respect, to make a honest attempt to save me money. In the fine print there 's a statement : " ... you should carefully consider the potential increase in the total number of monthly payments and/or the total interest charges paid over the full term of the new refinance loan - especially for borrowers who currently have loans with terms less than 30 years. '' This is essentially everyone and is an obvious legal maneuver to avoid responsibility for this ridiculous offer.
Loanme, inc has taken advantage of my financial hardship and issued me a personal loan at 99.75 % apr .... On XX/XX/2015 they have charged off this account but have NOT notified me I kept paying my payments when I noticed them charging additional interest rate and late payments.. when I requested to see my payment history it showed that I had a CREDIT balance of {$1200.00} but their billing statement showed a balance due of {$1700.00}. I 'm including all the supporting documentations for this case and hope you will serve justice on this predatory loan practices.
I keep getting harassing phone calls regarding payments. I have tried to talk with XXXX ( Sallie Mae ) about a lower re-payment option, such as any income based rates, and have been told no that I need to pay my monthly amount or I will default. My interest rate keeps increasing and my amount owed has never gone down in the 3 years I have paid. I work full time at a decent paying job and most of my paycheck monthly is paid to these loans. I have never missed a payment, but I have used all of the allotted time ( 12 months in total ) to put payments on hold due to family and medical emergencies.
Credit Karma is displaying invalid scores and this effecting personal credit applications. I contacted them and they have not answered another than run around of confusion. XXXX shows score XXXX and Credit Karma is displaying XXXX. Attached is copy of both and Credit Karma is violating my personal information with false accuracy. Since building website showing facts of inaccuracies of credit reporting agencies ( XXXX ) they are showing inaccurate information and this has been fight for three months.
This is a follow-up complaint for Case Number : XXXX. Nationstar stated our loan is involved in an active bankruptcy. This is no longer true. We are asking Nationstar to update their files concerning the address of our property so we can refinance the mortgage with a different company. Although Nationstar has updated their records they refuse to cooperate with XXXX in updating the address correction. This complaint is regarding their servicing or our loan.