WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I started the process of filing for a loss Mitigation package with Discover, whom we have a second mortgage with. They have made it increasing difficult to obtain a loss mitigation package, as each time I submit the paperwork they are looking for they tell me I am missing paperwork. By the time I get the paperwork they are looking for they inform me it is too late and must start the process all over again, all with new dates and new paperwork. My husband lost his job XX/XX/XXXX and took a job making half the pay. My primary mortgage holder has not been this difficult to deal with and has worked with me twice since XX/XX/XXXX. Just recently I sent all the paperwork Discover said that I was missing and now they claim I am missing one week 's paystub for myself, two months of statements for an inactive account ( not closed ), and an explanation for deposits over {$500.00}. I clearly wrote on the inactive statement that the Bank does not provide monthly statements for inactive accounts, and the statement clearly shows the date of the last statement sent out. The account which has {$500.00} clearly shows the funds were transfers not cash deposits and was noted on the statements. As for my paystubs, it clearly shows that I get paid bi-weekly not weekly. I do not feel as if an explanation is in order for this. Their excuse now is they need this explanation in writing. Please note, we only owe {$67000.00} to them on a house that is worth {$800000.00}. I have attempted to give them all the information they need at least on XXXX different filings of a loss mitigation package with them. All While receiving at least 2 phone calls a day regarding our late payments. I am beginning to feel as if they would rather foreclose on our home than come to an agreement with us.
On XX/XX/18 I sent Transunion a final letter requesting that they send me copies of the information they used to verify the 6 accounts ( each account ) : 1 ) XXXX  for {$1700.00} 2 ) XXXX XXXX for {$2800.00} 3 ) XXXX for {$4300.00} 4 ) XXXX XXXX for {$680.00} 5 ) XXXX XXXX XXXX for {$13000.00} 6 ) XXXX for {$1200.00}, they continue to list Negatively on my credit report. Transunion signed & recieved that final letter of request on XX/XX/18 @ XXXX. 

They have IGNORED my requests & my rights. They did NOT provide me with a copy of how they verified each account. They just put Verified. They did not provide me with ANY information on # 6 XXXX for {$1200.00} & they did NOT provide me with an updated credit report. Transunion needs to be held accountable for reporting things Negatively on my credit report without any Verifiable PROOF.All of these items need to be removed IMMEDIATELY & they need to send me a copy of my credit report to reflect the corrections.
Multiple occasions - Unable to view or maintain credit report. This company constantly prompts for some sort of payment. 

You can not file a dispute nor view reports. They constantly request that you phone a number or pay.
A person from Improved Data Services contacted our phone today, XX/XX/2018 and my son answered. He said he was in Arbitration and his name is XXXX XXXX and he said they are from IDS which through research we found was Improved Data Services, and my son asked who they were and questions and he told my son that if I or he did not pay my debt by XXXX today, he was going to serve papers to me through our county court house this afternoon. My son became defensive and told him that it was illegal to say such things on the phone and when my son kept asking questions in who they were and what this was about, he began yelling at my son to not interrupt him and when my son was persistent with questions, the gentleman from IDS hung up on my son. The number they called from is a ND number which is XXXX. 

Then a few minutes later my son received a call on his cell phone which is a CA cell number and the number came from a XXXX XXXX number XXXX. It was the same company and the same person, XXXX XXXX, asking for me again and my son said they were contacting the wrong number and when my son asked again what this was in regard to the person on the other line became defensive and then said we already spoke with you earlier and hung up. 

They then continued to call our landline throughout the afternoon and my son would answer and they continued to ask various questions and phish for information. My daughter said she was receiving strange calls today as well from these numbers. 

We are reporting this to you and to our Attorney General for the reason that receiving calls as this and to be threatened with lawsuits if we do not pay a sum by XXXX today over the phone and to be screamed at over the phone not to interrupt when we are asking questions about who they are we felt needed to be reported. 

( reference number provided XXXX )
Dear Sir, MadamThursdays are one of my days off. It is also the days I get paid, late in the day to the wee hours of Friday from one of my jobs. Both of my paychecks have always deposited with JP Morgan. Last Thursday being almost virtually with no money but compelled to do my grocery shopping considering the fact that I will be back at my 14 hours a day schedule for the next three days ( Fridays, Saturdays and Sundays ), with no time to do those chores, I waited well into the afternoon and ran these errands. When I do this, JP Morgan Chase will substract the amount of my groceries shopping from the pay checks that were being deposited by my employers. Or this bank could decide to charge me. There is no clear rule as to why it has this option because JP Morgan Chase is the only party that is in the position to say when my checks were deposited and decide to charge penalties or not to charge penalties. And it did charge penalties, three times, last Thursday going into Friday. And it charged me penalties many times due to this fact that the bank is the only one to say whether or not deposits were made before the cut off time : penalties for overdraft on annuities, penalties on tax returns until the IRS issued specific recommendations. So, I believe the latest penalties JP Morgan charged me again are abusive and would like it to refund me those. I am not in a position to check the time it said my pay check was deposited into my account and I suspect many times JP Morgan delayed the time a deposit should be credited to my account in order to charge penalties. I have no way of proving it but it is a strong impression I have. 

Thank you for your time. 

Regards, XXXX XXXX XXXX
I paid a debt. The judge marked fileit as PAID. Plaintiff requests XXXX XXXX. I filed response. XXXX attached my filings and motions and cross complaint/counter suit. 

The false statements and representations were made in the XXXX and the stipulation of settlement agreement. 

XXXX asked XXXX XXXX and I to engage in mediation. Contract was created to begin repaying the reduced debt. XXXX payment given in advance of start date with clear instructions based on start date stated in contract starting the debt repayment. to Attorney after getting a contract inked up for a start date of XX/XX/2016 for XXXX payment. Attorney goes against agreed start date for XXXX repayment and inception
US Bank did not deposit my payroll into my account. I have not made any changes to account or payroll. I was told by Bank that because they reclassified my account to a checking account from a savings account that they closed that they did not accept payroll for the first time in 10 months 2 times a month and that they would not be able to deposit my funds for XXXX days.
I recently review my credit report from the three major reporting agencies. I found that there was a charge-off account from XXXX XXXX credit card in the amount of {$2300.00}. I couldn't figure out how I have this account. I gave XXXX XXXX credit department a call. After entering the basic verification information, the center transferred my call to the Citi 's Recovery department. 
I spoke to a recovery representative ( ID # XXXX ) ( department line : XXXX-XXXX-XXXX ). 
During the verification of my social security number and account number. There was an issue. The department have a mismatch social security number on file. Which meant that this debt or account was suppose to be mine. After the verification issue, she transferred me to the " fraud department '' to find out the discrepancies on my account and social. I spoke with XXXX and he couldn't located the account or verify that my information is on file or ever owe anything to XXXX XXXX nor Citi 's. 
XXXX did recommended that I file a complaint with the CFPB to contact XXXX 's credit department and they will verify that I do not owe any debt.
Since XX/XX/2017 I have been working to get a modification or temporary forbearance since I was out of work due to an injury. I have faxed over the same documents at least 20 different times. They continue to say they never received it, the document is cut off, or its outdated. After months of this I finally got in touch with someone at the corporate level. Submitted my documents along with a letter stating when I would return to work. I waited a month and received a letter stating I would not qualify for forbearance since I was no longer unemployed and I would not qualify for modification since I didnt have sufficient wages. I returned to work making the exact amount I was making when I qualified for the house. $ XXXX year. The letter also stated that they would proceed with foreclosure. I dont know what to do. I didnt plan on breaking multiple bones but Im back at work Now and they refuse to work with me.
On XXXX/XXXX/XXXX, I sent a payoff to Loan Depot in the amount of {$34000.00} for a loan balance of # {$33000.00}. Due to untimely payment processing I ordered a stop pay on XXXX/XXXX/XXXX. At that time my bank issued another check to loan depot in the amount of {$34000.00}. Again due to untimely payment processing I ordered a stop payment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called Loan Depot to payoff the loan via ACH over the phone. At that time Loan Depot was unable to accept my payment because the prior XXXX checks were not returned. Loan depot stated that they would honor my XXXX/XXXX/XXXX payoff as soon as their system allowed for an ACH payment. Loan Depot 's system updated on XXXX/XXXX/XXXX to allow for me to make an ACH payment. When I called to pay, I was told that my payoff is as of XXXX/XXXX/XXXX, not XXXX/XXXX/XXXX. I was told by the customer service representative that it was my fault their system would not allow them to accept my payoff on XXXX because of the stop pays, therefore, I was being charged an additional 20 days of interest.
As a result of a XXXX injury ; I am unfortunately faced with financial hardship which encompassed having difficulty in paying for my daily necessities, medical bills and various other financial obligations. This hardship came unexpectedly and even with the use of my wife 's income and the financial assistance of family members ; I simply ca n't make ends meet. After seeking medical treatment on XXXX from several doctors ; I was diagnosed with XXXX XXXX XXXX. Unfortunately, the XXXX needed was not available on XXXX I had no option but to seek medical treatment in the XXXX. I was seen at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. <P/>There I underwent numerous evaluations that included the following : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and an XXXX XXXX. ( The medical receipts have been included with this packet ). I was XXXX during the preparation as well as after the XXXX for several days. From there ; I was given clearance to be discharged and allowed to return to the hotel. I was however ; prohibited from leaving the country for an additional week due to possible XXXX. Upon returning to XXXX, I presented the XXXX XXXX XXXX the doctors approval to return to work. <P/>As of XXXX 2017, I have returned to the job however ; my salary was reduced significantly. <P/>Due to the situation I fell behind 7 monthly payments ( {$12000.00} ). Since my reemployment I have been making regular monthly payments ( {$1800.00} ). Bank of Hawaii 's resolution was to lower the monthly payments for a period of 3 months and at the end of the 3 month period ; I had to pay in full for the entire 7 months owed in order to avoid foreclosure on my home. They also offered a second option of paying double each month to catch up with the payments. I have informed them that this was an impossible task as I do not have the required funds. <P/>I would greatly appreciate any and all assistance or guidance you have to offer that would assist me in keeping my home.
XXXX XXXX XXXX called my mothers house and left a message stating my mothers name and it was concerning a claim against her and her home. Of course my XXXX mother called back scared to death someone was trying to take her home. ( I kept this voice mail ) When my mother called them, XXXX XXXX stated, he was actually looking for me?? Then they proceeded to call my employer, which I am unable to accept any personal calls at work.
Struggling to pay mortgage, loosing my home to foreclosure. Had this arrangement with OCWEN property foreclosure which OCWEN now denies. Believe should of received compensation as per OCWEN. OCWEN send me an eligible application, when I submitted it they denied me. See documents attached
On XX/XX/2009 I got behind on my payments at which time I contacted my mortgage company, which was XXXX. I requested a modification. I filled out the necessary paperwork and did receive the modification. However, I feel that the modification was not a way to help me but for my mortgage company to get more money in the long run from my misfortune. I feel this action is reflective of predatory lending and that I, being a senior citizen, have been taken advantage of. Due to time constraints, facing foreclosure, the mortgage company extended my loan to a 40 year long and attached a {$44000.00}. lien. Now, years 1-5 at a payment of {$1500.00} I paid {$95000.00}. Year 6 I paid {$21000.00}, year 7 I paid {$23000.00}, year 8 to date I paid {$17000.00}. This is a total of {$150000.00} give or take a few small adjustments. Now having said that I am not even close in time to where I started at when I recd this modification. I still owe 32 years and 4 months at {$2200.00} per month. I am now XXXX years old. At time of maturity I will be XXXX years old and I will have paid back {>= $1,000,000}. All for a {$350000.00}. loan and for a house that is now worth approximately {$280000.00}. I would say I am stuck. The principal balance still remains at {$320000.00} after paying for 8 years and 8 months the sum of {$150000.00}. I have contacted Nationstar and ask for a breakdown of the {$44000.00}. and have not recd that breakdown. At this point I would love to get out from under this nightmare but as you can see I am pretty much stuck. I am requesting an adjustment of the {$44000.00}. Nationstar has already more than tripled their profit and I am drowning. Please help me with this issue and I am not getting younger and this is affecting my health. Thank you for your help.
filed a bankruptcy XXXX XXXX XXXX ReAffirmed 2 mortgages XXXX Trans Union and XXXX Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX XXXX XXXX XXXX refuse to report all payments made from date of reaffirmation which is XXXX XXXX to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate
I have XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX and XXXX XXXX. I had my XXXX XXXX VISA for over 10 years, and I paid the balance off earlier this year. I had XXXX recently and I have had a difficult recovery. Apparently, the annual fee was charged in XXXX, and I missed the statement email saying that. On Saturday, XX/XX/XXXX, I got an email saying that Chase closed my card because of this. I immediately called, explained my situation and that I could send them proof from my doctor and said Id be happy to pay the annual fee but asked if they could please reopen the account. I was told no because Im now considered a risk to the bank. Seriously? A risk to the bank? How? I spoke with three levels of Supervisors who all told me the same thing. Im so upset. I cant believe they wouldnt understand a serious medical issue after all of my years with them and that I was obviously a good customer because I had a {$19000.00} credit line on this card.
We went to refinance our home to lower the monthly payments and here we are 4 years later and we went to get a small loan to do repairs on the house and that is when we find out that they did n't lower the payments they got XXXX involved and sold them part of the loan to our surprise. XXXX now has a lien on our home for over {$100000.00}. We trusted the bank. What a joke. Looking for a lawyer to tell us our options now. Beware of dealing with US Bank.
On XX/XX/2018 BOA paid XXXX XXXX XXXX dollars out of my escrow account. The XX/XX/XXXXpage which they received showed a policy total of XXXX dollars and a BALANCE DUE of XXXX dollars. BOA paid in error and has now held me hostage with a negative escrow account. Many attempts have been made to resolve the issue, but misinformation keeps being conveyed such as : We can not issue stop payments on checks ( re : they paid XXXX XXXX XXXX on a cancelled policy just 11 days prior ). They then issued a stop payment on their check to state farm. So which is it? You can or can't issue stop payments? They also lied about the date XXXX XXXX   cashed their check. XXXX XXXX isn't the real issue though, it's the state farm payment of XXXX they made in error and are too incompetent to rectify. I want my XXXX dollars back. I should not have to wait for whatever whacked out process they have which has to date been almost 20 days. They have funds to pay me into a negative state. They should use the same slush fund to pull money from to rectify their error and deal with state farm on the back end to fix the problem BOA created by paying a XXXX dollar balance statement. Meanwhile I am losing interest on the XXXX I had to pay out of pocket.
ON OR ABOUT XX/XX/XXXX I AUTHORIZED XXXX  TO TAKE XXXX A MONTH FOR A PAST DUE BILL. I TOLD THEM IT WOULD BE GOOD UNTIL ON OR ABOUT XX/XX/XXXX RECORDED! 

I FOR GOT TO CHECK IN XX/XX/XXXX TO SEE IF THEY STOPPED TAKING MY MONEY AT XXXX  XXXX. I CHECKED MY ACCOUNT IN XXXX OR XX/XX/XXXX I CALLED XXXX XXXX, RECORDED. I TOLD THEM DO NOT TAKE ANY MORE MONIES FROM MY CHECKING ACCOUNT OR MY DEBIT CARD. 

THE END OF XX/XX/XXXX I HAD TO PUT IN A STOP PAYMENT AND REVERSE THE UNAUTHORIZED PAYMENT TOOK BY XXXX ACH TRANSACTION. 
AFTER I TOLD THEM TO STOP THE PAYMENTS RECORDED! 

THE END OF XX/XX/XXXX XXXX  DID IT AGAIN BY COMMITTING FRAUD XXXX  WITH NO RESPECT TOOK ANOTHER PAYMENT. 
THEY CHANGED THE ACH PAYMENT TO A CHECK NOW!!!! 

KNOWINGLY IN VIOLATION OF 18 U S C 1001. 

THE END OF XX/XX/XXXX XXXX DID IT AGAIN AFTER I CALLED AND I PUT IN SEVERAL STOP PAYMENTS AT MY BANK WITH FEES. AND DISRUPTION TO MY BANK ACCOUNTS AND MY CHECKS WAS BOUNCING!!! 

I CALLED MY BANK TO GET THE FEE XXXX REVERSED AGAIN! AND A STOP WAS ISSUED! 

MY BANK SAID TO COME IN AND CHANGE MY ACCOUNT NUMBER I HAD FOR ABOUT 30 YEARS. 

I TOLD MY BANK I WAS CALLING THE POLICE DEPARTMENT FOR THESE REPEATEDLY BAD ACTS DEALING IN VIOLATION OF THE BANKING LAWS AND RULES AND POLICY. 

YES I WAS HARMED IAM LOOKING FOR THIS WHAT EVER CLAIM THEY ARE ASKING ME TO PAY. 

I AM SEEKING DAMAGES FOR MY PAIN AND SUFFERING IN AMOUNT OF {$15000.00} AFTER MY BANK CONTACTED ALLIANCE WITH MY CHARGES OF FRAUD AND GOING TO THE POLICE, AND THE STOP PAYMENT. 

XXXX DECIDE TO COVER THAT XXXX! 
BY SENDING ME A FRAUDULENT LETTER I GOT YESTERDAY DATED XX/XX/XXXX. STATING : DEAR XXXX XXXX THIS IS TO NOTIFY YOU THAT YOUR POSTED DATED CHECK OR PRE AUTHORIZED CHECK IN THE AMOUNT OF {$50.00} WILL BE DEPOSITED ON XX/XX/XXXX. THANK YOU FOR YOUR PAYMENT!!!! 

NOT TRUE!!!! 

SEE AND READ MY STOP PAYMENT HISTORY AT XXXX XXXX XXXX LISTED IN THIS COMPLAINT. AND MY COMPLAINTS FILLED AT MY BANK FOR THE MONTH OF XXXX, XXXX AND XX/XX/XXXX. THATS FRAUD!
I have been notified that I am involved in the XXXX dispute. I wish to freeze my accounts at all three bureaus. XXXX and Experian offer online locks, both websites were unable to process my online request. My attempt was made on XXXX/2017. I also tried to call Experian and waited on hold for almost one hour at XXXX XXXX EST and never got an answer. I did not try to use XXXX XXXX  online service. This worries me, because they say to unlock the freeze online, but their online services are never working.
I have requested this company to no longer call my place of employment and they are continuing to do so.
In XX/XX/2018 My leased vehicle was totaled in a auto accident. My auto insurance company paid off their portion of the balance which left XXXX to be paid by GAP which is part of GM Financial who the lease was financed. I was told that all would be handled from the point of reporting to the insurance company and there was nothing further I would need to do. They would contact me once GAP was paid. In XX/XX/2018 I received a credit alert that I had a " missed/Delinquent '' payment on my credit bureau reports. Upon looking into the reports it showed that GM Financial was reporting me 60+ days past due on the lease. I immediately contacted GM Financial and was assured that they would get this corrected as they had many customers affected by a recent change of finance companies with their GAP department. I was told that an accurate report would be sent to the credit bureaus and it would take up to 45 days for the update. Long story short, I am still fighting with them to correct my Credit Bureau report. My credit score as a result has dropped from a XXXX to XXXX and I can not obtain any further credit. In fact, I have many current creditors closing my accounts, reducing my credit limits and increasing my interest rates as a result. This has been a unresolved issue since XX/XX/2018 and it is now the end of XXXX. GM Financial should be held responsible for my suffering and it is unjust that I, a good customer who has worked very hard to maintain a high credit rating to now be going through such turmoil with my credit. GM does not seem to be in any rush to follow through on their promises or obligations to their customers.
Midland Funding # XXXX The creditor did obtain a fraudulent legal judgment against me by filing an illegal lawsuit. The creditor has shown no proof that the debt was even properly assigned to them, nor that they are the actual owners of said debt. Additionally the creditor 's " affidavit of debt '' was " robosigned '' and no actual verification of the actual amount of debt owed was verified in the law suit, therefore the affidavit was fraudulent.
Going back and forth between Experian and XXXX in regards to the removal of XXXX accounts in question. Experian states that they ca n't remove the account it is now up to XXXX. I contact XXXX was told by a Representative that I needed to request by FAX any dispute in writing via FAX. I requested in writing a complete investigation of all XXXX accounts. I 'm not disputing the accounts because at one point they were actually mines. What I wanted to know is when and the dates of the accounts. As shown the accounts were all paid off but however XXXX was placed in collections without properly notifying me. I disputed with XXXX, XXXX, and Experian and they were removed But I 'm having a hard time having them removed with Experian.
On  XXXX   XXXX , I disputed unauthorized credit inquires on my report to the  XXXX  bureaus. They responded that they do not handle inquiry disputes and I have to contact the companies directly. I contacted the companies on  XXXX   XXXX ,  2017  and they sent letters back saying that I had to dispute the inquiries with the bureaus because it was on their report.     I did not make these inquiries and the companies and the bureaus are sending me in circles. I have spent over {$100.00} sending certified letters to the bureaus and companies and they are not researching the inquiries or trying to fix it.