WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, I was working full time, with the hopes of starting a small business. I was offered a {$10000.00} loan from Avant, but ended up losing my job & having some additional issues that caused me to not be able to maintain the payments on my loan. Upon realizing that I would not be able to maintain the payments I contacted Avant via their website and explained my situation, I attempted to create a deal that I could maintain while I got back on my feet & received no response. With no money and no income I ended up defaulting on a loan. This was over the course of 6 months. From losing my job in early XX/XX/XXXX, to defaulting in XX/XX/XXXX. The credit score that I had built up over time was destroyed. I have since built my score up to XXXX, but the late payments on my report are negatively affecting my score. I have current accounts, that have been in good standing for over XXXX years as well as maintained a Car loan for the last XXXX months, which is a higher monthly payment than what I was paying with XXXX.
I am writing in regards to my current loan with Freedom Mortgage Company. Freedom Mortgage Company purchased my original loan with a correct estimated escrow amount of {$140.00} per month for county taxes. They were provided with this information for the escrow from the previous lender who showed the {$140.00} per month escrow amount value for my loan. Upon being contacted by Freedom Mortgage Company advising me of an option of refinancing my loan, I agreed to go through with the refinance. When I completed my refinance, my new loan then had an estimated escrow amount of {$43.00} per month. The average county tax for a townhome in my area is estimated to be around {$1400.00} per year. It was not until I received my recent statement in XX/XX/XXXX, that I first noticed a shortage in my escrow account, as my payment had increased by {$290.00}. I had not received any previous correspondence from the company advising me of this. I then had to call them to get the escrow shortage letter forwarded to me via email. After further review I called the company again advising them of the mistake that was made, I was told I could only dispute in writing and nothing else could be done. I have sent an email to the company 's Customer Care unit as directed. I have been told a response can take up to 30 days. Instead of my escrow estimate being based on the correct county tax amount of {$1400.00} per year it appears that the county tax amount used was based on the pre-construction value of my home. The {$1400.00} per year is the tax assessment value that should have been used when calculating my refinance.
I stopped paying my mortgage XX/XX/XXXX at the advice of a real estate lawyer. My mortgage company still has not foreclosed on it. The house burned down XX/XX/XXXX. I notified them and paid them the insurance money from that. They continue to call me over and over, and every time they do n't seem to know anything about my situation. They continue to delay my foreclosure for reasons unknown to me. I think it has to do with trying to give me assistance, even though I 've declined that for years. I 'm tired of nothing happening and them not knowing what is going on.
Good Afternoon, I have a personal loan with One Main Financial. I stopped making payments for a couple of months due to my financial situation. Ever since then I they have been calling and harassing me at my job every single day! I have told them numerous times to call me on my cell phone if they need to reach me and they still keep harassing me at work! Our calls our monitored and if they keep calling I could be terminated. 

Thanks, XXXX
On XX/XX/XXXX my wife ( XXXX XXXX ) filed a Chapter XXXX Petition with Ally Financial as one of the creditors. XXXX XXXX is the primary on the Ally auto loan and I 'm the co-signer. Monthly payments have been made to the Trustee ( the Trustee pays Ally ), and the account has always been and is current. My situation is, Ally is continuously reporting to XXXX and XXXX that I am 180+ days past due on the auto loan, which is untrue. Ally has received all payments from my wife 's Trustee since XX/XX/XXXX and I signed paperwork with her Attorney which protects me from paying Ally the 14 % interest once the case is discharged. I have filed a dispute with the credit bureau 's, and Ally was removed from XXXX, but XXXX and XXXX has not complied with my request. The Ally Financial auto loan has never been late ( before and/or after my wife 's Chapter XXXX ) but my credit score is being castigated and chastised by Ally since my wife filed her Chapter XXXX.
On XXXX XXXX, 2015, I used my MoneyGram account to send monies to my family member who is in XXXX for {$170.00} and a friend who live in XXXX, Florida for {$100.00}. 

Both transaction was blocked and I did not found out until my friend in Florida told me the MoneyGram said I had to call them, so I did and they ask me for all of my personal information plus for my birthday, I ask why, and was told my the telephone representative that my friend name was on a government list. 

Then this morning XXXX XXXX, 2015, my son call inquiring about his monthly fund that he has not received yet. So again, I immediately call MoneyGram and spoke with XXXX, XXXX, XXXX, and XXXX they all said that my name was being block by the government, and any action of money transferred by money was under review and that I must provide my birthday and driver license for the transfer to go through. 

I question them as to what government agency ask them to do this, please supply me with name and phone number they said they were not authorize to do so but if I wanted the transfer to go through then I must give them my personal information, I told this on XXXX/XXXX/2015 by XXXX ( this was the last person that I talk too ) I told her I was not given out any more of my personal information, nothing but : my name, address, phone and their transaction refer number for {$170.00} or for her to gave me a refund for {$170.00}. 

After a few more minute of her explaining to me why she need my birthday and driver license and me refusing to do so, she decided that she will go ahead this time and release my money to my son. 

I need to know what government agency have flag my name, my family, and my associate name and for what reasons and is this legal for MoneyGram hold back a person domestic money transfer and/or have the person call and their representative ask for the consumers for their personal information in this day a time especially with identity thief as high as it is? 

Please help me find out why occurring to MoneyGram the government have flag my name and my family and friends name, if I am under surveillance by my government, why am I? 

Thank youXXXX XXXX ( Anytime : day or night ) XXXXXXXXXXXX
The amount for my escrow taxes is too high. Monthly I have {$160.00} escrowed for taxes. My annual local tax amount is {$220.00}. I raised this concern before closing, at closing, after closing, and at the end of the year when the property tax bill was sent out. After I sent the property tax bill at the end of 2017 I was told that the amount would be adjusted in XX/XX/XXXX. When I contacted Pacific Union Financial at the end of XX/XX/XXXX I was told that they would not look at it until XX/XX/XXXX. When I requested that they look at it anyway I was told that they have no proof that the tax amount has changed from your local county. Currently, we have your annual county tax amount as {$220.00}. 
So they know that the annual tax bill is {$220.00} yet dont see a problem with escrowing $ XXXX/month for local taxes.
Modification denial, principal reduction 4 what the home is worth, XXXX XXXX XXXX
This account has been in dispute with XXXX and Transunion came back with the information verified, which it is not correct. Please review the information below. This entire account should have been removed, it came back verified from XXXX so I redisputedit. It came back verified with transunion. 


XXXXTransUnionAccount DetailsLast XX/XX/XXXXXXXX XXXX TypeEducation LoanStudentAccount StatusClosedClosed - TransferredOpened XX/XX/XXXX XX/XX/XXXX DateXX/XX/XXXX XXXX, XXXX XXXX, XXXX -- -- Term -- -- Monthly Payment {$140.00} $ XXXXResponsibilityIndividual Account. 
IndividualBalance {$0.00} $ 0Highest Balance {$14000.00} $ XXXX StatusCurrentCurrentWorst Payment Status -- Late 120 DaysDate of Last Payment -- -- Amount Past Due -- $ XXXXTimes XXXX Days XXXX disputes - reinvestigation in progressTransfer
XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX along with a notarized affidavit claiming fraud. XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX to close their files which have any information with my name & social on it ...
In my opinion, this company is sending collection letters with threatening language claiming a negative credit reporting 'will ' remain on credit records for several years. The letter also generated a false sense of urgency like the sentence : Warning! This matter is very important to you and to your credit report. This is the text for a medical debt collection, the language could have been more emphatic. 

Full disclosure : The concerned debt didn't exist at first place ( false  reporting to original creditor ) so no debt resolution or contact with collector was required. 

There is also a potential debt trap as they are asking for credit card details to repay the debt. Its potential because it is not clear if in the letter they are referring to VISA, Master Card etc for debit card or credit card is also accepted In my case this was an erroneous reporting but it hurts to learn that many other less fortunate who are already suffering are getting similar harsh and potentially misleading communication.
BBVA Compass is attempting to charge me an improper and unlawful mortgage-related " fee. '' My efforts to get BBVA to remove the " fee '' have been unsuccessful. 

About two years ago, we purchased a new home financed by XXXX BBVA Compass loans. On the morning of closing, we were given a HUD-1 Settlement Statement from the title company for the second, smaller loan. Line XXXX of the settlement statement listed {$380.00} as the " CASH FROM BORROWER '' due at closing. As detailed elsewhere in the settlement statement, this amount equaled the title company 's fees plus governmental recording fees for the second loan ( specifically, {$310.00} for " Title services and lender 's title insurance '' ; {$4.00} for " Flood certification '' ; {$5.00} for " Courier '' ; and {$62.00} for " Government recording charges '' ). There were no other fees identified on the HUD-1 Settlement Statement. 

The title company instructed us to bring a personal or cashier 's check to the closing for {$380.00} made to the title company. Pursuant to those instructions, we obtained a cashier 's check for {$380.00} made to the title company. When we arrived at the closing, we presented the cashier 's check for {$380.00} to the title company 's agent, the agent accepted the cashier 's check, and we executed the closing documents. 

Several months later, I noticed that BBVA had assessed a " fee '' on our monthly loan statement in the amount of {$380.00}. When I initially contacted BBVA, I was told that the " fee '' was an error and would be removed. After that did not happen, I contacted BBVA again last month. 

The story changed the second time around, with BBVA now claiming the " fee '' was imposed because we did not pay the {$380.00} at closing. During the call, however, BBVA openly admitted that its records were inaccurate and incomplete. For example, BBVA admitted that the HUD-1 statement in its records differed from the final, executed HUD-1 statement in the title company 's records. ( BBVA apparently discovered this incredible discrepancy when it contacted the title company while I was placed on hold. ) BBVA also admitted that the title company had sent checks to BBVA for which BBVA had no record. ( Bizarrely, BBVA asked me to contact the title company on BBVA 's behalf and request copies of the checks. ) When I asked the BBVA agent how the closing documents could possibly have been signed if, as BBVA Compass asserted, we failed to pay the {$380.00} due at closing, the BBVA agent had no answer. 

Despite the obvious and admitted discrepancies in its records, BBVA refuses to withdraw the improper {$380.00} " fee. '' When we closed on our house, we paid {$380.00} to the title company for the " CASH FROM BORROWER '' as instructed by the title company. The fact that BBVA allegedly has no record of such payment is entirely due to BBVA 's negligent and sloppy record-keeping and its inability to obtain documents from the title company. BBVA needs to remove the {$380.00} " fee '' immediately.
my home loan went into default XXXX of 2015, I several attempts to bring my account current each time the rep stated the system would not accept the payment. Now my loan is in foreclosure status/ Modification supposedly additional information was needed far as my income, I have been waiting for a new modification packet going on 3 weeks among other things I received a letter stating no longer will assigned person be handling my loan any concerns contact the home loan team. Well I did just that to find out no one will is allowed to discuss my account with me
I did a payday loan, online, XXXX mistake, unforeseen circumstances happened at home and I was unable to pay. I do owe this debt, I'm responsible for this debt. I'm in the process of doing a debt consolidation that I can afford. In the meantime they have contacted my employer. I can not have calls at my work. I told them that about a month ago ( Early XXXX ). I received another call yesterday, XX/XX/2018. I asked politely, please do not call my work. I received a rather not nice text back, stating they can and will do that and in the future they will not ask for me, they will go directly to my boss. They were extremely rude. I just don't want contacted at work, I work long hours and can't always get calls made after work.
I have a student loan with XXXX department of education. The monthly payment was {$95.00}, I am not sure the exact change. 
XX/XX/2015, I received a letter from a company that called XXXX help stated they can help me with the loan. So I called them and I spoke with somebody 's name XXXX XXXX. He said that he can help me qualify for a program to help me lower the payment and he asked me some info about myself and provided him all my info. He set up the loan and told that the loan payment will be {$91.00} every XXXX of the month, but the payments have to take automatically from my checking account to qualify for that program. 
So everything was setup and they started taking the payments XX/XX/2015 until now, they are still taking the payments. 
Last week I received a letter from the same company which is Fedloan. In the letter, they mentioned the monthly payment is {$160.00}. I called them and spoke with XXXX different person, the both said they never received any payments from me and they have no payment history, they do n't know what I am talking about. This morning, I emailed XXXX XXXX explained to him what happen and I said " I want all the money that I have been paid since XX/XX/2015 until now, all he replied back to me that he will get fix. I called and let a voicemail for him, he never call me back.
I have a XXXX Homestyle Renovation Loan being serviced by imortgage in XXXX, AZ. I had the mortgage company required consultant submit the third and final draw request complete with all of the documentation for the draw on XX/XX/XXXX and it was received by imortgage according to an agent I spoke to, XXXX XXXX, on XX/XX/XXXX and he said he would process the checks. This money was to pay the contractors who had finished work on my house two to four weeks before. On XX/XX/XXXX, I received a call not from imortgage but from an appraiser that originally appraised my house stating that imortgage wanted an appraisal by XX/XX/XXXX. As I was on vacation in XXXX, which was known by both the agents I dealt with at imortgage, and was not due to return until XX/XX/XXXX, I immediately contacted XXXX XXXX, the loan administrator at imortgage to express my dissatisfaction for this unnecessary delay to the release of my contractors funds. He said he was not going to release these funds even though the documentation was complete for him to do so. ( The XXXX previous draws have been released with the same information. ) While there is a requirement in this loan for a reappraisal before the final distribution of any remaining contingency funds and the loan is closed I believe XXXX XXXX, is committing fraud by claiming that he can hold these draw funds intended to pay my contractors until a final appraisal is completed. 
While I contacted several XXXX complaint operators, as they are the ones who own my loan, they said they could not help me because they do not enforce the requirements on the lenders only on the customer. 
I will be contacting my Senators and Representative concerning XXXX 's lack of customer service as this is the type of practice that got them in trouble XX/XX/XXXX. I 'm hoping that yours is not just another government waste of time and will actually do what your mandate implies..
On XX/XX/2018, I was scammed of {$400.00} by a lady and a man at an atm. They used a fake check. I noticed almost immediately and followed them and was able to get the mans ID and phone number. I called the police and I have a police report. I gave the police report to the bank because the fake check bounced back and I was left with - {$430.00}, the {$35.00} was the overdraft fee because I did not have that money in my checking account when they scammed me. Bank of America closed my accounts and i had to pay myself the - {$430.00}, I did pay because I understand that it was my mistake to believe these people. Now I'm left with a bad consumer report and I can't open another checking account with any bank, I understand my mistake but I have paid off the money I owed and I have a police report as well. This will not happen again, I just need to be able to remove this bad report on me.
I had fallen behind in mortgage payments with PNC Mortgage. After several attempts to retain the property, I was told by PNC that I had exhausted all of my options for retaining the property and that I could not be considered for any further assistance. As a result, I decided to sell the property via short sale and enlisted the services of a realtor experienced in managing short sales. The house was listed on XX/XX/2016 and I received an offer on the property shortly thereafter. The short sale offer and supporting documents were presented to PNC on XX/XX/2016. On XX/XX/2016, PNC contradicted what was previously stated and said they would now offer a loan modification before they would consider reviewing for a short sale. In doing so, PNC extended a trial payment plan to me. On XX/XX/2016, I notified PNC in writing that I would be declining the trial payment plan/loan modification because the loan terms were still the same and I was unable to afford the payments. I also informed PNC that I wanted to proceed with the short sale package that was presented to them for approval prior to the trial payment plan offer. I also reminded PNC that I had a contract on the property. On XX/XX/2016, PNC indicated that the file could not be reviewed for short sale until after XX/XX/2016 - the date by which the signed agreement or the first payment was due for the trial payment plan. On XXXX/XXXX/16, PNC stated that the file would not be closed out before XX/XX/2016. This was contradictory to what was stated on XX/XX/2016. I was also informed that I would need to re-submit the short sale package and that a foreclosure sale date was set for XX/XX/2016. On XX/XX/2016, PNC still had my case for the trial payment plan open although I had previously declined it in writing ( more than 30 days prior ) so that I could proceed with the sale of the property. On XX/XX/2016, the file had not yet been closed out by PNC. On XX/XX/2016, I was notified that the file had been closed out and the short sale package was resubmitted on XX/XX/2016. On XX/XX/2016, I was notified that my entire file was closed and that PNC would NOT review for the short sale because the time frame was too short. PNC proceeded with foreclosure on my property and on XX/XX/2016 the property was sold. 

I am initiating this complaint because I believe PNC forced me into foreclosure. There were other options. PNC had ample time ( approximately 3 months ) to consider the short sale of the property rather than moving forward with foreclosure. Although PNC, presented a trial payment play for retention, the payments were not affordable and the terms of the loan had not changed. I believe PNC acted in a predatory manner by impeding the short sale process and refusing to review an offer to sell the property. The short sale offer that was made was equivalent to the appraised value XXXX $ XXXX XXXX that was determined on XX/XX/2016 by an appraisal company hired by PNC Mortgage. Although PNC Mortgage has already foreclosed on my property, I believe this story should be shared to inform others of PNC 's practices.
This investigation has now been well over 30 days to determine is there was late payments. The credit bureau will not validate late payments - it's been over 30 days and still no documents that show my payments were ever late. Isn't this illegal?
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA
I submitted a dispute with XXXX  twice to request removal of a collection in the amount of XXXX involving a collection company ( Midwest Recovery System ) whose client is an online payday loan  company not licensed in the XXXX of Virginia. I do not recall in the last five years taking out a loan with this payday loan company ( XXXX XXXX XXXX ) and Midwest Recovery never sent me a notice that would allow me the opportunity to dispute the collection.
I first disputed with National Credit System in XXXX of this year. I later disputed with the company again with a follow up letter from the previous. In this letter I stated to this company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This federal law has been broken and this item should be removed IMMEDIATELY. National Credit Systems never responded back to this dispute and I have the signed signature that the company signs when they received it in the mail. This was my 2nd choice for the company to cooperate and next step will be small claims court if company continues to report this item fraudently on my credit report