WillisBack/dataset-financial-user-claim huggingface dataset:
This company by the name of XXXX. contacted XXXX family members ( XXXX my children ) with threatening information disclosing my debt and leaving information stating that I was going to be turned over to XXXX County Texas for fraudulent instrument, fraudulent bank information, litigation status. As you can imagine this caused great imbarassment to me as they disclosed this information to both of my sons and my daughter-in-law. The person that made the calls was XXXX XXXX, she left a number XXXX ext. XXXX. I returned the call and spoke with a person named XXXX, who was extremely rude and hung up on me. She informed me that they were a mediation service and that she was allowed to contact my family members at least once a day, and would continue to do so. She alsoi informed me that the amount of my debt was 2,000.00 plus dollars for a XXXX debt. I attempted to make arrangements with this company to pay this debt and told them to send me proof of debt by mail and was told that they do n't do business that way, I offered to make small payments, which was all I can afford, and they said it was n't enough, that it had to be in XXXX large payments. This XXXX informed me that my debt was switched to a different debt collector every 6 months to make sure the debt does n't drop off and continue ruining my credit. I asked them not to contact my family but she told me they were going to continue to do so. I informed her I only make XXXX per hour and can not afford to pay a large amount, to which she informed me I should n't go around making debt. I have never been so insulted and bullied in my life. I am a divorced XXXX yr old woman that lives alone and is trying to make a living. I am doing the best I can and do n't need harassment from these people contacting my family members.
FL was declared a Natural Disaster on XX/XX/2017, Hurricane Irma. I took the 3 months Deferment. Wells Fargo stated to Me on a recorded line that payments would go to back of Loan. The Home Preservation Specialist ( XXXX XXXX ) stated I had to do a Loan modification or make missed payments to prevent foreclosure on My Home.I feel I was defrauded by Wells Fargo. Thank You.
XXXX has been asked by myself and an attorney friend to furnish a complete list of charges and how they came to that amount from an apartment I left in 2011. They claim I owe {$2300.00} or so but in the years and years I 've been contacting them they refuse to furnish a complete list of charges. They can not explain how they came to the amount they did.
Portfolio recovery has contacted me several times a day on phone lines I 've told them there is no permission to contact me on for months. Each time I 've told them to submit everything in writing so i can verify who they are and possibly dispute the debt and each time in told they do n't need to. I 've told them to stop calling and I 'll receive another call right after on another line. There was a time they called every hour..
After pulling a copy of my credit report I noticed Westlake financial on my credit report. i then disputed this with the credit bureaus after noticing inaccurate information being reported. under my social security number. i have attached a copy of my letter demanding deletion of this account.
This issue is an existing problem which Experian wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX   XXXX
XXXX XXXX took XXXX on XXXX/XXXX/XXXX with out permission. I tried calling them and only got voice mail. They have never returned my call.
When I received my XX/XX/2018 statement, I noticed a charge from XXXX XXXX XXXX XXXX had been posted to my account on XX/XX/XXXX. I did travel on XXXX XXXX in XX/XX/XXXX, but not in XX/XX/XXXX, and I definitely did not authorize any charges for {$1400.00}. I reported this to Citibank, and that account number was closed.

As a result of my report, representatives from XXXX XXXX contacted me. They explained that this charge was for an online flight upgrade on my flight in XX/XX/XXXX. They explained that I had authorized an upgrade in the amount of XXXX XXXX Rupees. Unfortunately, this amount was not properly converted this to US dollars. Instead of XXXX Rupees, I was charged XXXX dollars. They were unable to explain why the charge was posted in XX/XX/XXXX, rather than XX/XX/XXXX. They said that I should check with Citibank.
I received a letter in the mail advertising a {$300.00} bonus when opening a qualifying Fifth Third checking account. The fine print states that, to qualify, the account must have a balance of {$500.00} for 60 days.

I went into a branch to open this account, and I was told that the minimum balance is actually not {$500.00}, rather it's {$1500.00}. This was stated nowhere on the advertisement. It is an astonishingly misleading offer. I did not open an account, as I didn't have the {$1500.00}.

The bank is clearly lying in this advertisement, and the result is that I wasted 20 minutes of my valuable time. The bank needs to withdraw or modify this offer immediately. Either that, or it needs to honor the terms in its letter - {$300.00} bonus with a {$500.00} balance maintained for 60 days.
I received a phone call from Alltran Financial alleging I owe them an auto debt. I do not know who this company is, I 've never heard of them and have done no business with them. I 've also received no information in the mail regarding this alleged debt.
I am a current Citimortgage customer. When I inquired to refinance and roll my heloc ( also with Citimortagage ) to lower my monthly interest rate. The loan officer quoted me 3.87 % based on the basic information I gave him over the phone. He then pulled my credit report and I was shocked to hear that my score was XXXX due to XXXX XXXX credit card reporting me with a {$5.00} payment that was 60 days late. I called XXXX because I did applied for the credit card and never activated it and it turned out the charge was fraudulent. I then went back to Citimortgage and their response was that they needed to wait 30 days to repull my credit. I had XXXX send a communication to Citimortgage alerting them that the charge was fraudulent. 
Next Citimortgage had an appraiser value my house in XXXX XXXX California at {$700000.00}. I knew for a fact that XXXX XXXX is known for its superior school system and lack of housing and huge demand so I submitted an argument to the appraisal with my own comps ( the appraiser 's comp were older than 6 months and she does n't live in the area ) Citimortgage had the house appraised a XXXX time ( by the same appraiser ) who this time increased the value to {$850000.00}. Due to the fact the XXXX appraisals took over 9 weeks the lender told me the followingThe can not repull my credit even though I experienced fraud and I need to resubmit all the paperwork again because the original paperwork is too old. The lending office continued to bully me and say thinly veiled threats that if I did not agree to their process I would lose out on the 3.8 percent that I have been conditionally approved from since XXXX 2014. 

I am an existing customer with XXXX loan yet the loan office and the underwriter continued to treat me like I was lucky to be their customer and they would not repull my credit, combine the XXXX loans into a new refinanced loan and wanted me to pull all the information a XXXX time due to their incompetent appraiser whom they used XXXX. 

I work for a bank so I know that lenders have the legal responsibility to treat all customers with respect and fair lending practices. I do not believe Citimortgage is doing that to me or man other of their customers. 
I am happy to come forward with data to support my statement of unfair lending practices and poor treatment of customers.
We ask for a modification starting XXXX XXXX, due to our loan payment going from XXXX to XXXX. We had did a modification XXXX we were suppose to have a fix rate. We was upside down in our loan XXXX and the value at the time was XXXX. We started the process of a loan modification. Due to XXXX she had gotten worse and I was XXXX. I do the communication with RCS. I was recovering it delayed the process until XXXX XXXX. RCS and I communicate back and forward about the loan modification. My point of contact person XXXX XXXX assured me that there was nothing to worry about do n't send in any payments because they was processing the loan modification. I have a letter documenting the whole process. I will upload. I received a letter from there attorney office stating they was foreclosing on our home. The sale date is XXXX/XXXX/XXXX Thank You, XXXX and XXXX XXXX.
I have contacted TD Card Services on three different occasions and informed them that I do not have a debt with them. They take down my number and say they will remove. However, I still receive at least three calls per day after informing them I do not have an account.
Quality Recovery service  XXXX   XXXX   XXXX   XXXX  Was remove from my credit report back in  XXXX  and  XXXX  the item reappeared back on my credit report with different balance.This company garnish my wages from a seasonal part time job. This is against the law. To remove item and place item back on my credit with different balance amount. I move from the apartment in good standing with a  XXXX  balance.   Papers have been mail and fax to the agent and credit bureau. Please remove move this apartment off my report.     Can you please remove Quality Recovery Service  XXXX   XXXX   XXXX   XXXX   XXXX  GA  XXXX  Account #  XXXX
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX
I have been on track with PSLF payments since XXXX under an income driven repayment plan with federal loans. My last ECF was submitted on XX/XX/XXXX and as of then I was on track with 56 qualifying payments on all of my loans with 64 payments remaining. Out of the blue, I receive a message in my inbox saying " Payment Tracking Starts Now '' which is what you receive after they process a new ECF for you. However, I had not sent in another ECF since XXXX. When I opened it up, my qualifying payments had been REDUCED from XXXX to XXXX adding 4 years to my loan payments. This is egregious. I called the company and the rep said he could see my payments and they were qualified but he had no idea why this would happen. He was submitting for review which could take 60 days before I hear back. This seems to be a common practice with this company ; for no reason at all my qualifying payments were recalculated out of thin air and they tried to rob me of close to 4 years of payments. I have already had one complaint with this company because they miscalculated my payments. Now it has happened again and is much worse. This is unacceptable. I have attached the last direct debit bill I have for XXXX showing the 56 qualifying payments for PSLF on all my loans. I have also attached the incorrect " surprise '' recalculation of my payments dated XX/XX/XXXX. 

I am resubmitting due to mistake with previous complaint 's attachments.
Dear Credit Bureau : XXXX I pulled a copy of my credit report and noticed a fraudulent account. 
Creditor : XXXX XXXX Account : XXXX .... Reason : Fraudulent account I have been a victim of Identity Theft. The account is fraudulent. 
To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) This fraudulent accounts were not authorized by me. I have also provided you with copies of my social security number and license. 
Thank you. 
A copy of My ID, Social Security Card and Proof of Address are Attached along with the police report and Identity Theft Report.
Because I had a bankruptcy over 4 years ago and my loans were not re-affirmed, which is normal procedure even by  Wells Fargo  's statement,  Wells Fargo  does not report the loans to the credit agencies. This makes it impossible for me to refinance my mortgages which have an interest rate of 6.5 %. I contacted  Wells Fargo 's   Customer Care and  Recovery Group, wh ich is the highest customer contact point at    W. F., already twice and was given the same answer. In other words W. F. holds  me  hostage to th eir high interest rate.   The mortgage loan Nos. in question are :  XXXX ,  XXXX  , XXXX . These loans are for  XXXX  different properties.   Thank in advance for your assistance.
I was applying for a refinance loan from Loan Depot. I submitted all of the loan paperwork requested of me by XXXX/XXXX/16. I was told everything was fine and that we would be good to get the loan approved and funded. This was a zero closing cost loan. On XXXX/XXXX/16, I receive a call from loan depot asking me to retrieve additional loan paperwork documentation for additional income verification and income ratio documentation. This would normally not be an issue however I was told that if the loan did not process by XXXX/XXXX/16 that I would be subject to an {$1100.00} " rate lock extension '' fee. Given that XXXX/XXXX/16 was the day before XXXX weekend and I was going to be out of town the entire weekend, I would likely not have all of the paperwork in time and processed by XXXX/XXXX/16. I felt this was a bait and switch tactic used to extract a made up fee from me when the delay was completely the fault of Loan Depot. I also believe they wanted this to fail because interest rates had gone up so they felt they could excise this fee on me because I would not want to lose my rate. 

I believe this to be the case because the call for extra paperwork come in over a month after the initial documentation and was timed right before XXXX to make it nearly impossible to avoid this fee. Loan Depot was characterizing this as if it was my mistake when they had ample time to process the loan.
Our home flooded in XX/XX/XXXX. We signed over the insurance proceeds of {$130000.00} to our mortgage co. because the check was payable to them and us. We have received about 1/3 of the funds ( XXXX ). The mortgage co. sent an inspector this week who determined that our home is now 77 % complete. XXXX at DMI ( Dovenmuehle Mtg. ) informed us today that we can  receive reimbursement for any receipts we have for our renovation but the remainder of the money will be held by the mortgage company until we pay our mortgage in full. She said this is because we are acting as our own contractor. They were aware that we were acting as our own contractor and never told us that before. XXXX at DMI told me onXX/XX/XXXX that we could get the second 1/3 of the funds after we completed 50 % of the work, and that we could get the final 1/3 of the funds once we completed all of the flood renovations. Originally our mortgage was with XXXX XXXX in XXXX XXXX, but they told us DMI services it, so that is who we have been dealing with. I will send them all the receipts that I have. Your help is greatly appreciated.
Experian is refusing to investigate, verify and remove some accounts from my credit report/file that do not belong to me.
My husband and I bought a XXXX through gm financial ( Americredit financial services ) in XXXX XXXX. We had been able to make the payments on time up until I was forced into early XXXX in XXXX. We missed XXXX and XXXX payment. We had looked into deferment and we were shocked to find that they were going to charge up almost XXXX dollars to catch our loan up. They have not been willing to help any other way. Rather than trying to help us get our loan current, they are calling us a total of up to 10 times a day between the two of us. They are making it almost impossible to catch up our payments and I am almost afraid to carry my phone on me because they are always calling me. I would strongly advise that their collection policies and deferment policies be investigated. This is not legal.
After a fraudulent address change form was sent, my mail was stolen, my credit cards statements were redirected and a fraudulent credit card account was set up in my name and then used.
This complaint concerns a proposed short sale transaction involving the primary residence of borrowers in XXXX County, Florida. This complaint is filed by the law firm representing the defendants / borrowers in the subject foreclosure action. On or about XXXX XXXX, 2016 a complete short sale package including an offer and all the supporting financial documentation of the borrowers was submitted to Di-Tech as the current servicer for note owner, XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX, 2016, our law office was notified verbally that the short sale had been approved. However, on XXXX XXXX, 2016, the undersigned attorney received an email from XXXX indicating that the Mortgage Insurer on the subject loan ( XXXX ) would not agree to the short sale that had been approved by the investor on the loan. In fact, upon further follow up it was discovered that investor would not negotiate in good faith with Mortgage Insurer in effort to seek a resolution whereby investor would pay an agreed negotiated amount of net proceeds from the short sale to Mortgage Insurer, as is common and customary. Further, investor/ servicer refuses to provide the mortgage insurer contact information this law office in order that we may be able to help negotiate a resolution. Most recently, representatives of Di-Tech have not returned phone calls or emails. The basis of this complaint is the failure of good faith loss mitigation processing on the part of Di-Tech and XXXX XXXX XXXX XXXX XXXX XXXX.
contacted Aargon Agency after noticing a derogatory remark on my credit report. They said I owed a debt with XXXX XXXX XXXX in which I told them I had paid that and do have the receipt they asked me to fax it to them and I did not once but 4 times during this process I also contacted XXXX XXXX and asked them about this and they agreed that the debt had been paid. Aargon contacted me again and said that their investigation showed that I still owed the amount. I also contacted XXXX to have this removed from my credit report and after their investigation they also said that the aargon agency said this debt is owed.. Please help me get this figured out as it is effecting my credit. Thank you
Some how when I sold my house the collection show up on my credits. I was not aware. Havent stay at the property in 3 year.
Student Loan Care ( SLC )  called me in    mid- XX/XX/XXXX , multiple t imes, each time presenting themselves fraudulently ( without me initially knowing ) as a " federal loan servicer. '' Whereas, most other companies were " servicers of federal loans, '' and they explained that I would " not have to pay anything '' - but they only told a half-truth in that they meant " not have to pay anything toward my loan. '' In reality, they were not a federal loan servicer, nor a loan service whatsoever, they are a consolidation sc am artist com pany that preys on college students to enter agreements which they do not fully understand. The entire conversation that I had with the  SLC representative did not o nce indicate that I would be charged a monthly fee for their consolidation services nor that I would be paying them anything at all. So, I reporte d them on  XX/XX/XXXX  to the   Consumer Financial Protection Bureau. Lo-and-behold, a new company ( who I was also unaware of ) named    XXXX   XXXX   XXXX   res ponded, declared I was a liar, but then agreed to close the case and return my money.  <P/> Now, here we are ,   XX/XX/XXXX  an d I r eceived a phone call from   Student Loan Care asking about my account and what happened. They wanted to k now   if I was still " using their services '' and if I planned to continue using them. I politely explained to the representative that I believed their company and their loan comp any (   XXXX   XXXX   XXXX   ) wer e very manipulative and scammed me into accepting their services - which I would not have taken otherwise. That 's the main point of contention : Had I been clearly informed on the telephone about the services  Student Loan Care/    XXXX   XXXX   were offering ( to consolidate my debt, put my loan in deferment, and then reapply me each year ) I would NOT have taken them. Instead, I was coerced through manipulative half-truth type of language into accepting their consolidation services in the understanding that they were a " federal loan servicer. '' Today, the representative presented me  two options  : " Pay 40 % of the total debt that w ould be accrued this year '' ( which would be {$560.00} ) or they would send it off to collections agency and make me pay the full amount of {$1400.00}. I, due to my belief that this was a very manipulative, coercive, and shady deal, one that was not detailed or clarified appropriately in initial   communication via telephone, feel not responsible to make any payment toward  Student Loan Care,   XXXX   XXXX  , or otherw ise.  <P/> Attached is the initial company response from    XXXX   XXXX   XXXX  .
I am currently disputing XXXX XXXX XXXX with CFPB. They are not responding in an appropriate time with CFPB. The negative account was taken off of Equifax months ago and I was trying to get it off of XXXX and XXXX via CFPB. Not only has XXXX XXXX XXXX not removed the account from XXXX and XXXX they actually added it back on to Equifax after it has already been deleted and the executive director of XXXX XXXX was contacted directly concerning my situation by CFPB. They have received all the proof showing that I was a victim of Identity Theft ( Police Report, FCRA Affidavit, etc. ) and still are not cooperating. This is beginning to become tortious interference of business practices due to I function in the real estate industry by using my credit I may need to contact a lawyer in order to place a civil suit.
In XXXX Bank of America began foreclosure proceedings on our home at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX. We fought the foreclosure but lost and our home was scheduled to be sold at auction. We were contacted by Bank of America before the sale and given the option to enter into a loan rehabilitation program that would allow us to keep our home and get out of foreclosure. The program was for the year XXXX and at the end of the year our original loan would be modified from XXXX to XXXX but the interest rate would remain at 9.99 %. We successfully completed the program and our loan was transferred to XXXX. We have been making our mortgage payment on time for the last four years. We recently attempted to get a refinance on our home and were told that we did n't own it. County records showed that our home was actually sold at auction while we were in the rehab program. The deed to the property is not in our name but the mortgage note is. We were told by lawyers that we are essentially renting our home and could legally be evicted at any time and still be held responsible for the mortgage note. We contacted XXXX to attempt a resolution to this issue and were told the best they could do was put the deed back ion our names after we had finished paying off the note. The lawyers told us the best solution would be to file a complaint with the state and the state referred us to you.
I pulled my credit report and noticed tha t Stellar Recovery   Inc a re reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Texas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.