WillisBack/dataset-financial-user-claim huggingface dataset:
FRUSTRATION SETTING IN! 
Defaulted on my mortgage due to unexpected loss in income and eventual job loss. Loanowned by XXXX XXXX and unfortunately the servicer was XXXX Bank and nothingwas no modification was achieved due to XXXX 's delays and poor servicing procedures. 
I requested Unemployment Forbearance, but my request was never acted on. All of XXXX and half of XXXX passed and then I was notified that servicing was being transferred toGreen Tree LLC. ( non bank servicer ) Again starting all over with request for creativeloan modification, extension, mortgage principal reduction, lower interest and longer terms. 
Told " Not Eligible for : Hamp ' because my account was originated after XXXX XXXX, XXXX. 
Only eligible for Freddie Mac Standard Trial Period Plan. According to the Trial Planpayments are required to be between 10 % and 55 % of our gross monthly income. Ourpayment was to be 39.93 % of our gross which was calculated to be XXXX. This wasnot manageable and was actually higher than my original mortgage payment before ourdefault. We do have income and response was " Why not 10 % of our gross which wasmanageable. My suggestion fell on deaf ears at Green Tree. This and mortgage principalreduction is what we need to remedy our situation and avoid foreclosure. I have yet tosee a Modification offer which really reduces our payments either temporarily orpermanently. I am worried about " dual tracking ' and having to many single point contactswho really have no power to solve the situation. I hope that XXXX XXXX new program '' MyCityModification '' will include mortgages with a value over {$250000.00}. Our currentprincipal balance is {$280.00} We are in XXXX XXXX. I believe each personsreasons for default differ and each should be dealt with on individual basis to helpavoid foreclosure.
In XXXX, 2014 we received a loan modification on our residential mortgage from Specialized Loan Servicing , Inc., agent for XXXX XXXX XXXX, XXXX. During the modification process we were assured we would be able to refinance our mortgage after the modification to current market value and thereby get out of being " underwater '' by {$85000.00}. After repeated attempts to contact SLS we were told they do n't refinance mortgages. This is contrary to what we were lead to believe, and does not help us regain solvency as promised by SLS. We now have a mortgage of {$300000.00} and a property valued at {$200000.00}. This is hardly helpful and is little more than a sand pit that never gets emptied because the interest ( sand ) keeps filling the void. I am XXXX and do not have any earned income.
I tried to dispute XXXX XXXX over and over again. TransUnion have not send me any information showing my signature or anything authorized me to this collection with a balance. I dont know or ever had an account with this collection.
I had a complaint filed with PNC BANK in XXXX XXXX they closed the account - they said my name was OFF the PROPERTY. I just got another BILL from PNC for property insurance & flood insurance. I got a bill XXXX XXXX XXXX and I thought that was the last one- XXXX XXXX XXXX PNC said she took care of the matter and I get ANOTHER BILL! this nightmare will NOT END! my stress level is over the top!. I just emailed XXXX XXXX and posted on PNC Bank XXXX page plus contacted XXXX XXXX XXXX 's office - they are who got me to you to begin with. this is what I sent XXXX XXXX & posted on facebook : well I thought the matter of my name being attached to the flooded unlivable property at XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX was taken care of?!! I got ANOTHER BILL for insurance on the property in MY NAME!! 
I leave in the morning to visit my in laws - this is a just another great timing on PNC behalf! 
I will contact the consumer finances AGAIN! AND ANYONE ELSE - maybe the NEWS Stations can will be able to get this taken care of- if not i 'm sure there is an Attorney out there- i 'm sure this falls under HARRASSMENT of some type! 
I would think in all this time I have made phone calls, PERSONALLY went to the local branch, emails, and YOU giving me your word you would see to it this matter was taken care of that there should be XXXX person that can do their job and get MY NAME OFF THIS UNLIVABLE PROPERTY THAT WAS FLOODED IN XXXX XXXX & XXXX PAID NOTHING- OUR HOMEOWNERS INSURANCE PAID NOTHING - WE LOST EVERYTHING & THE HOUSE HAS TO BE TORN - IT IS NOT FIXABLE NOR LIVABLE! PNC BOUGHT THIS HOUSE BACK AT SHERIFF AUCTION GET MY NAME OFF IT! 
HAVE A REAL GOOD DAY- PNC HAS COMPLETELY TURNED MY DAY TO A XXXX ONE ONCE AGAIN! 
THANKS FOR NOTHING! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX FLOOD HOUSE XXXX OWNS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXXXXXXXXXX I will not answer phone calls from PNC for 2 weeks as I will be with my family - email is just fine!
I was recently a victim of fraudulent check scam that involved a girl ( Name : XXXX ; Email : XXXX ) who contacted me online through a website called XXXX for sublease. She asked me to deposit checks to my Wells Fargo account and was later asked to transfer the money back to another Wells Fargo account provided by her. Once I deposited the check, the funds were made available immediately by the bank without clearing the check with the other bank ; in this case the XXXX Bank, Texas. ONLY due to this immediate fund availability, I was able to transfer funds to the account provided by the person of interest in this case of fraud. Wells Fargo did not make me awake of the " Overdraft facility '' associated with my account which in the end enabled me to transfer the money to the account. Currently, Wells Fargo is charging me for the check returns as they were made. As a consumer unaware of the overdraft facility, it is a huge burden to be charged for the entire amount which was returned.
Receiving many phone calls from Chase Bank and my bills are paid. I think they are just computer generated but very annoying.
I continue to get calls from an number and nobody would answer when i called back. XXXX. Turns out it belongs to Allied Interstate, a debt collection company. Their phone number does not identify them as a debt collector or a company at all when you call them. Additionally, when the gentleman answered the phone he refused to tell me 1 ) the phone call was being recorded ( I found that out on their website ) and 2 ) that he was in fact a debt collector. He simply demanded to talk to someone by name at my phone number. I asked him if he was a debt collector and he refused to acknowledge it. I told him I could neither confirm or deny knowing the person he was trying to reach until he identified himself completely. Which he did not. I then terminated the call and told him he may not contact my telephone again.
On XX/XX/XXXX I had two CITI Credit Card accounts in my name. The first CITI account had a ( XXXX ) credit balance and therefore no payment was due.The second CITI account had a Balance due of $! XXXX which was due on XX/XX/XXXX. We paid on XX/XX/XXXX by Electronic check from our account at XXXX XXXX {$1500.00} but this payment was sent to the account that had a credit of ( XXXX ) so the credit increased to ( XXXX ) and the second account only received an automatic {$35.00} payment. When we noticed that we had a big problem. We contacted CITI since they had the money to please transfer to the correct account. CITI refused to transfer the ( -! XXXX ) to the bill due at their credit card account supposedly since they sent the money to XXXX according to their letter. Also please note That was our money not the Banks. XXXX shows no such credit to our account. 
When we contacted CITI they state that this account was transferred to XXXX XXXX we sent them a fax with a copy of everything on XX/XX/XXXX and have no reply.
my mortgage company merged with a company called XXXX XXXX in XXXX of XXXX the first month of the merge my mortgage never was taken out of my bank. so on the XXXX th of the month to not incur late charges i called in and they said my payment was never recieved. so i then took the time to pay it over the phone on the XXXX. i do online banking checked my acct to see if payment came out on the XXXX, only to find out my original check was deposited for XXXX dollars stamped on the back was the date of XXXX. XXXX so they clearly had my check the full time and also took the payment over the phone and took XXXX out again totaling XXXX on the XXXX i was told the XXXX would be crediteded back to my account by a XXXX, i watched my acct till today the XXXX called in again and was told by a XXXX that it was not done and he could do it. he did not do it either so my next call requseted a XXXX her name is XXXX and she proceeeds to tell me she can not issue a refund, and that they would need me to contact my bank for a conference call to see if my funds cleared for all amounts. at this time i am extremly frustrated and i know for a fact that this should never have happened. i have heard of banking practices where they do not deposit your check until after the due date and i am pretty sure this is what XXXX XXXX is doing and it sickens me. i work very hard at keeping my credit in good standing and if i did not check my acct daily i would never have known my origianal check was not deposited until it was too late. i believe they have very shady practices. so now i am waiting for a refund because they took an extra XXXX. thank you for listening..
XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 The Inquiry above is fraudulent. Please investigate and remove.
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$870.00} from XXXX XXXX on XX/XX/2017. I have since repaid {$1200.00}. I still have a balance remaining. I was aware that the loan would have such a high interest rate, but I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. 

None of the email addresses listed on the website are active or working as I have gotten all of my emails returned ( see info from their " Contact Us '' website link below. ). I have called three times and no one has answered ( see info from their " Contact Us '' website link below. ). 

P : XXXX E : XXXX E : XXXX XXXX
This is XXXX XXXX water aka XXXX XXXX. I had been renting a water machine for 17 years and purchase it. I do not know what happen internally but they said I still old XXXX for the machine. paid off later attached
I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this compan which is eagle loan company and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.
I XXXX XXXX paid XXXX creditor Capital ONe NAre : Kohls department stores account ending XXXX reference # XXXX I paid {$560.00} the settlement amount they were going to delete this from my credit and this is still showing I paid back on XX/XX/XXXX and today XX/XX/XXXX still showing I deserve better credit consumer protection cheched mailed to XXXX FL XXXX check # XXXX today XX/XX/XXXX called spoke with XXXX for few minutes then she hanged the phone tried many times never answer the phone I re-tried asked to speak to a manager they hanged the phone XXXX more time. is this a true company XXXX credit capital one for kohls department stores inc a valid company they took my {$XXXX} in XX/XX/XXXX as consumer I deserve better consumer protection. XXXX XXXX XXXX married name divorced main name now XXXX I paid this account to delete records from my credit report.
Credit report from TransUnion through XXXX XXXX shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.
We had a mortgage with greentree we went to court and the judge stated after the home sold that is all they were getting and they sold a bogus amount not owed to anyone to ditech corporations it 's now on my credit report as a tax right off need it taken off my credit report
This company is claiming taxes owed on a vehicle from over 10 years ago. I have never be contacted by the city of XXXX XXXX for any balance due and have n't lived in Connecticut for over 10 years. They demand supporting documentation but do so knowing no one keeps tax records from over 10 years ago. This is a blatant attempt at a money grab and they should be shut down. I do not owe them money and I do not owe XXXX XXXX any taxes.
I purchased a vehicle in XXXX and financed it with Primus financing the car was voluntarily repossessed because of an accident that occurred, and so I had to pay the balance of the loan off anyway. So from the time that I repossessed the car until it was paid off this was around XXXX I believed that it was entirely pay off I had a statement from them on the stated how much I have paid but it was upwards towards {$10000.00}. So I thought that it had been paid in its entirety. So now XXXX years later I get a letter that states that I owed them an additional {$270.00}. The letter stated that it was from a law firm in XXXX Maryland, This XXXX, MD XXXX. They are charging me {$1200.00} for lawyers fees and court costs, which brought the total to {$1900.00}. So I want to know how they can do this without notifying me of the {$270.00} which I would have gladly just paid off if they had proved to me that I still owed it. Now they are garnishing my paycheck and I only make {$10.00} an hour and they are now taking XXXX dollars a week out of my check.
XXXX XXXX claim they had me in collections for my XXXX bill. I paid the original creditor in full XXXX. Never once did I pay XXXX. They sent me a letter saying I was in collections but the balance was wrong so I wrote them a letter asking for proof of original debt. Which I never received so I went and Paid XXXX off in full. I would like helvey and associates to show proof that I paid them. If they ca n't show proof which I know they ca n't so i want th collection account taken off my credit report. I paid only XXXX. They are making false statements that I paid them. I did n't know I was in so called collections since they never sent me my letter asking for my original debt which is against federal law. Maybe they could have cleared it up of they would have sent me a letter. I know they received my letter because I sent it certified. Once again if they ca n't show proof i paid my debt through them I want the collection account taken off my credit reports.
I received a solicitation from American Express for a personal platinum card product several months ago. The offer suggested that if I spend {$3000.00}, I would receive XXXX membership reward points. I made a single purchase of about {$4000.00} to XXXX for my family 's yearly home insurance bill. I received the XXXX membership reward points but they were taken away from me on XXXX XXXX. I have called American Express 4 times and told that my spend was not eligible for the bonus. I have been a customer of American Express since 1998 and feel ripped off. If the points are not returned, I will cancel all my cards - I spend about {$300000.00} per year on them.
I financed a XXXX from a dealer in XXXX, XXXX in XXXX, I was making payments to them every XXXX weeks, in XXXX I went in to make a payment and they told me that they had given the loan to another company and that the company would be in touch with me. I received a call from a company called XXXX XXXX in XXXX XXXX, CA, they said they were the new finance company, and I should start making payments to them, which I did. After making payments, I asked about the title and they said they would send it to me, but, I never got it. I moved back to XXXX State in XXXX, I was still making payments, then one day I went to make my payment and I was locked out of my account, I contacted them and they said they had changed and to use XXXX at XXXX. I was making payments that way, but something did n't feel right, so I wrote the State of XXXX and the response from XXXX that they had bought my car at auction while I was driving it and would n't send the title until the car was paid off. After that I never heard from them, no statements or calls and I could n't make payments to the account. Last month I got a call from a collection agency in XXXX saying that they wanted payment for the car and to send it to them. I told they woman who called that I wanted something in writing from them and I was n't going to talk to them until I received something in writing. I never got a letter from XXXX that they were the new lienholder, my title has someoneels'e name on it. I also have never gotten a contract from they, they just sent statement whne it was time to make payments and since XXXX I have n't gotten a staement. So what do I do? 

Thank you
Transunion would not remove the TAX Lien I requested them to remove off of my credit report. They say I did n't furnish a police report. So now I have furnished the police report lets see what excuse they come up with now.
I requested a copy of the original signed contracts for XXXX and XXXX. Chase is refusing to comply and send me copies. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) -you are required by federal law to verify-through the physical verification of the original signed consumer contract.
MEMORANDUM TO : OCWEN LOAN SERVICING, LLCESCALATIONS DEPARTMENT, XXXX. XXXX XXXX, XXXX XXXXFROM : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXREGARDING : ACCOUNT # XXXXWe are writing this letter to appeal the decision for a denial of a mortgage loan modification reason : our loan has already been modified under ( HAMP ). The mortgage was not with Ocwen at that time we received the modification. The mortgage was a variable mortgage and we wanted to get a fixed mortgage so that we could afford the payments. 
Three years later we are still trying to get a modification even though it can be temporary for 6 months or a year as your modification application states. I am unemployed at this time and would like for the payments to be a little lower, or course, foreclosure and short sale is not an option we plan to keep our home. 
We have spoken to Hub approved counseling agencies for these reasons. 
I applied for an unemployment deferment or modificationYou failed to send me an appeal period allowing me time to dispute the decision. 
I pray that this appeal will be what God intends it to be and you would take into consideration for a deferred modification, temporary modification due to unemployment. 
Please find enclosed : Unemployment award letter ( XXXX ) -2 months Statement of earnings, plus Social security XXXX for ( XXXX ) Thank you.
I have sent in several letters asking the credit bureaus to validate the debt. I have yet to receive this from the company. I sent letters on XX/XX/2018, XX/XX/2018, and again on XX/XX/2018. 

On XX/XX/2018 my cousin told me that he found this on the internet : I did contact this company but I am not sure if this is the company that is reporting this info on my credit reports. They asked me for some of my personal information and I did NOT give it to them. I see that they have bad reviews. 

XXXX XXXX XXXX XXXX Open 2 on XXXX XXXX XXXX XXXX XXXX, XXXX, NC ( XXXX ) XXXX
I was sent via XXXX a letter from BLitt and Gaines for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for Blitt and Gaines stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called Blitt and Gaines and the rep stated to be as of XXXX XXXX their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at Blitt and Gaines I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. XXXX did n't send me any notification of garnishment until XXXX the day AFTER I went to court. When trying to speak to representative at XXXX I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again.
This Chase Card account showing Charge Off on my XXXX Credit report is not my account. I am listed as an authorized user. I have sent letters to XXXX and Chase and neither have removed this from my credit report. It is really hurting my credit score and I need it removed.
I got a 5 year auto loan with USAA. I NEVER HAD A LATE PAYMENT AND PAID MY LOAN OFF EARLY. THERE is a false claim of being 30 days delinquent on my account and no one is trying to remove this slander. The XXXX to be a trend with XXXX   having bogus things in our credit report that doesn't get removed. Definitely seems to be systemic. XXXX as well as ignorant people would claim it has to do with paying bills well if you can read. I paid vehicle off early ... and somehow was 30 days delinquent. Sounds like opppression or unfair treatment too me.
XXXX XXXX XXXX we successfully received a loan modification on our home. The process was smooth and XXXX XXXX a division of MidFirst Bank was very helpful. All past dues was rolled into the new modification as clearly noted on our attatched modification paperwork. We have reached out to XXXX XXXX and they have stated over the phone that our mortgage is current and has been current since our XXXXXXXX XXXX modification. They claim that they did not send anything to collections as they do not have anything to send. The mortgage has always been current. 

We have also reached out to XXXX who is attempting to collect the debt. We have explained this every way we know how. They can not even explain why they are collecting the debt. We have provided them paperwork on the modification that clearly states that all debts have been satisfied and that we are have been current. We just have not been able to make any progress with them. We feel that we are being taking advantage of and treatened for no reason. We need your help. 

Thank you for your help. 

XXXX XXXX XXXX