WillisBack/dataset-financial-user-claim huggingface dataset:
addition to complaint XXXX. 
I have XXXX viable candidates to take over the truck lease I was left with through my boyfriends death. It was a joint lease. He has passed. leaving me. Again ... XXXX people from XXXX called me but refused to give their last names or ID # or any way for me to designate who I spoke to other than " XXXX '' and " XXXX. '' They still will not provide me with the paper work my boyfriends started to remove me from the lease, they act as if it doesn ' t exist. and if it does n't that 's fine, they should n't tie my hands then by acting like XXXX is the only account holder who can transact anything, because XXXX is deceased. they will not change the address to my new address, even though this was a joint lease. so they are mailing paper work to what they know is a wrong address. they 're looking to me to pay and as their only remaining leasor, but they act as though XXXX ( XXXX ) was the only one on the lease and I have no authority to even update where the bills or correspondence go. further, they want anyone he was related to ( parents children spouses ) to sign on this 'for him. ' It was a joint lease. he is gone. I am the one left. I have someone to take this over, but they 're requiring what I find to be unlawful paperwork. if you have a joint account with someone and one person passes, it is left to the remaining person. I am going to lose this interest buyer and I can not afford this truck on my own.
On XX/XX/XXXX I mailed my mortgage payment to PennyMac. Along with the check # XXXX, I included a letter with specific detailed instructions on how I wanted the payment applied. They ignored the letter and chose to apply the payment how they felt it should be applied. This has been happening for the past several months. I have reached out to them on several occassions to rectify the matter and they have not been at all helpful. Instead, their representatives have disrespected me, spoken to me unprofessionally and mistreated me. 

In this latest incident, they applied the overage to the principal and that is not what I requested. I was also charged a late charge and the payment was not late. They also received the payment on XX/XX/XXXX and put the received date as XX/XX/XXXX.
At approximately XXXX XX/XX/2018 I recived an email from XXXX XXXX regarding Hard Credit Inquiry for something labeled as " Khols/CapOne ''. I did not apply for any credit recently and I am confident that this is fraudulent activity. 
I attempted to dispute the Hard Inquiry online with XXXX  but they did not have an option to dispute a hard inquire. I need to do what I can to dispute the Inquire, it is negatively affecting my credit and I'm concerned over further fraudulent activity. I would like an investigation so I can take proper measures to insure my credits safety and security. 

Thank You
I had a credit card account with XXXX XXXX in XXXX the limit was {$300.00}. I paid that Account off but it still showed open on my credit report. The Card I had in XXXX was not a secured card. Recently in XXXX of XXXX I recently got a secured card with them with a {$200.00} dollar limit. Instead of XXXX XXXX reporting that I had a new Account with a new Card someone went in and changed the information on my non prepaid account to show that the old account in XXXX limit dropped to {$200.00} from {$300.00}. This made my Credit Limit drop 60 points. Is this legal?
On XXXX/XXXX/2016 I spoke with a representative who stated that she was going to send the police out to my home, and they told me that I had a class 2 Felony. The representative was yelling and telling me the only way to fix this would be through bankruptcy. They did not start the conversation with say this is an attempt to collect a debt. At first they did n't want to tell me what the debt was for. Then they continued to call me a after I got off the phone with them. I start to receive phone e call from restricted numbers.
I have contacted XXXX, XXXX, and Experian via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX XXXXXXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from XXXX on XX/XX/XXXX18 and nobody called to confirm if I was opening up a new account.
I have contacted this bureau a few times in the last 90 days on XX/XX/108 and XX/XX/2018. Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my life.
My wife and myself prequalified for a mortgage to buy a second home and/or a real estate investment property. We were prequalified by the following company ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Direct XXXX Cell XXXX Toll Free We made an offer on a condominium thru a local real estate company. A closing date was set but issues with the offer caused us to withdraw our offer and we did not go to closing nor did we sign any closing documents. 
From what we have been told XXXX XXXX XXXX sold our would-be mortgage to the following company ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Direct Note that we never went to closing and never signed any closing documents. Sometime around XXXX XXXX, 2017 we received notification that a new account had been added to our credit report. Further research found the credit bureaus showed we had opened a mortgage with XXXX XXXX  for the condominium we never closed on and we owed {$100000.00} for the loan. Then last week we received a letter from GMFS that we had not provided insurance for the property and that GMFS would purchase insurance for us and charge us accordingly. At the same time our Credit history shows this load and lowered our credit score negatively impacting our personal finances. 
We have been in contact with Entrafund and GMFS trying to get it cleared up on our credit reporting but to date nothing has been done. 
Between identity theft and mortgage fraud someone in this chain of events has violated a FCC law and should be held accountable. GMFS should not be able to open a mortgage loan without our consent. Please advise.
I opened a Target Red Card account on XXXX/XXXX/15 and set up an automatic payment program with my bank checking account at TD bank on XXXX/XXXX/15 to pay for any balance due on my Target Red Card. The Card company failed to draw monies from my bank account to pay for a balance due and kept imposing late payment penalties and interests on my Card account without my knowledge for several months. I found out this problem on XXXX/XXXX/15 while I was going to purchase something by using my Target Red Card that was rejected. I have never received any e-mail alert/statement or paper statement of my Card account balance due from Target Red Card company before XXXX/XXXX/15.
To Whom It May Concern : In early XXXX of 2015 my wife and I applied for a loan modification from US Bank. After approximately four XXXX months of receiving poor communication, poor service, having to send things multiple times ( some my fault ), not being able to leave voice mails and more, I received a denial. The denial letter stated that US Bank presumably tried multiple options however the reason for denial was the same for all " We previously requested income documentation from you to reconcile income discrepancies found during the review. The requested documentation has yet to be received. '' ( see attached correspondence ). This is a bold face lie. At this point I do n't why I was denied. In any case, I completed an application which was thoroughly completed and included pay stubs. We they asked for more info I gave it to them. Additionally I was assigned XXXX different relationship managers XXXX XXXX and XXXX XXXX both of whom I communicated with many times. 
In the spirit of brevity I am refuting the denial on the basis of XXXX simple facts 1 ) I have always been on time with every payment and therefore a good and loyal client and 2 ) US Bank had already granted me a previous modification for which I am grateful. If they did it once they can do it again. I did not ask for an adjustment to current market rates/terms. All I wanted was to get the same rate/adjustment I had before with the previous modification which is a rate that is still well above current market rates. The current rate I have now is ridiculously above current market rates. In fact it 's downright oppressive. I am not asking for anything unreasonable. I am simply trying to improve my financial situation and I have recently had a drop in my income. I believe US Bank is choosing to do is take advantage of my situation where I have no other options to refinance. If this how there treat loyal clients I 'd to see how treat those you do n't pay. 
Please review my situation and please choose to help me and my family. Again I am only asking for what was clearly available before. 

I will thank you in advance for your help and consideration.
Ms. XXXX XXXX of Movement Mortgage kept sending my wife 's and my sensitive and personal information in CLEARTEXT over the Internet. When we asked her to stop sending our sensitive information in cleartext over the Internet, THAT'S when she then informed us that Movement Mortgage wasn't going to provide us with a mortgage pre-approval. We were ok with that. However, we were not ok with Movement Mortgage keeping our sensitive information in light of their poor custodial management of our information. We asked Ms. XXXX to please delete any and all information ( including emptying her email " trash can '' of any correspondences with our sensitive information and to delete any and all of our sensitive information from their servers. Ms. XXXX claims to have deleted all the emails. However, she then told us that Movement Mortgage was required to keep our sensitive information ( per CFPB regulations ) in case they are ever audited. When we asked her to provide us with the regulations, she was unable to. This is not acceptable.
Request for permanent removal from preapproved credit offer mailing lists was submitted XX/XX/XXXX. After continued receipt of unwanted offers, on XX/XX/XXXX, I sent a reminder of my submission. Here it is XX/XX/XXXX, and I am receiving a new offer from XXXX that states it comes from " prescreened '' list. I am very displeased at the lack of attention my request was given.
myprepaidcenter.com declined a transaction before the card expired. Stole the {$100.00} balance I had left.
I am demanding that this repository correct my credit report and actually conduct an investigation into the errors Ive pointed out and remove this unverifiable item. Furthermore, I sent them another dispute letter ( see attached ) lastXX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.
I called XXXX XXXX who is issued by XXXX XXXX, transactions that I did not do/ they were all international charges. The agent gave me the run around stating that they can not issue a instant credit right away. Also there is no number to contact fraud Dept, all of this  may take up to 90 days to resolve which is child support money that I need for my child pls feel free to contact at XXXX
My name is  XXXX   XXXX , and I bought a home in  XXXX  from  XXXX  ndy Mac Bank.  I lost my home to foreclosure in  XXXX . I tried everything possible to save my home, an d Indy Mac Bank denied me a home loan modification. Instead Indy Mac Bank force d a foreclosure on my home and I lost my home in  XXXX . I even filed for bankruptcy on  XXXX  occasions to save my home,  but IndyMac Bank s till forced a foreclosure on my home. The address of the home I lost to foreclosure in  XXXX  was  XXXX   XXXX   XXXX ,  XXXX   XXXX , California  XXXX . I invested a lot of money on this home and I never got a dollar back fro m Indy Mac Bank. They ( Indy Mac Bank/One West Bank ) owe me a lot of money in return for forcing my h ome into foreclosure. Please help me with my compl aint. IndyMac Bank shoul d pay for what they did. Please help me recover some of the money I lost. Thank you for your help.   Sincerely,  XXXX   XXXX
I have had numerous issues with Select Portfolio Servicing for years. They constantly take my overages that I send in with my payment and apply it elsewhere except the " Unapplied funds account '' which is where I want it to go. 2x a year I have to call them constantly and correct them. Sometimes they do it and most time they put it to other charges and fees WITH ABSOLUTELY NO DISCLOSURE TO ME AT ALL. I call them, they say they will take care of it by a said date. The date comes, and nothing is done. I ask for a supervisor and NO SUPERVISIOR IS AVAILABLE AT ALL EVER. They always want to call me back within 48 hrs. Sometimes they do and sometimes they do not, when they do not I have to start the process all over again with another supposed 48 hours. I recently talked to a XXXX ( supervisor ) on XXXX/XXXX/XXXX and she assured me it would be taken care of and she would call me back to confirm. Now it is XXXX/XXXX/XXXX and still nothing, I have received a few mtg statements since and nothing has been adjusted. This is my funds to be distributed and they distribute how they want with ABSOLUTELY NO DISCLOSURE OF FUNDS AT ALL!!! This is a clear violation of consumer mortgage laws. When I do talk to them, some say " We have a hiearchy to which we put your funds ... ..? " and some say they attend to my requests and they hang up the phone and never pursue my requests to where I have to constantly call them again and again. I have had other issues with this company a few years back asking them to confirm my previous mortgage servicing sales because I was concerned that the 2 prior servicers where sued for fraudulent mortgage practices by the US Government. Same thing back then .... no response and no answers .... and I send them registered letters back then. ... ... It is ridiculous. When it is the XXXX or XXXX of the month they are calling me for my payment .... which I am completely current on with no late payments, but when I call them with concerns ... it goes directly to the trash. Sometimes they call me back and sometimes they do not and I have to start the whole process over again and again. They also keep me in this collection status because I modified with a previous servicer. They constanty treat me like I am 150 days down in my mortgage when I am completely current every ... ... single ... .. month. I am not in collection status but they constantly refer to me as a " problem '' which is very discriminatory. Just because I am XXXX does not mean that they should treat me differently. 

Please help with this ridiculous racist, no disclosure company. 

Sincerely XXXX XXXX
I went to the annualcreditreport.com. to order a copy of my free credit report from all three agencies. My information is take, than I get a response from Experian. unable to supply me with a copy of my credit report at this time. I am then asked to send my request through the mail, with so more private information about me. I have received a copy of my report several years ago, but I do n't remember it being this difficult to see a copy of my report. When I call all three number associated with the credit bureaus, it is just a teleprompter of sending you around the circle where no physical person comes onto the phone. I would like to know, why I can not get a copy of my report online. If I knew what the problem was I could fix it, but if I do n't know what the problem is, I can not fix it.
I am XXXX military, I was listed as a primary on my daughters medical account for an urgent care visit she had in XXXX. Being XXXX, and having XXXX we have {$0.00} patient responsibility for any Emergency or Urgent Care visits, with or without referral. 
The original debt claim was from XXXX XXXX XXXX from XXXX/XXXX/XXXX for my daughter, this debt was sold to SARMA Collections on XXXX. We have since moved from XXXX XXXX ( Early XXXX ) We never received notices from XXXX care that this debt was being submitted to SARMA, nor a notice from SARMA allowing us time to request proof of debt, so we could have properly disputed ... Never received a phone call, only a XXXX notice post marked XXXX/XXXX/XXXX stating it would report to our credit which it did on XXXX/XXXX/XXXX. 
I am upset and feel neglect because not only am I XXXX, and protected by the SCRA but HAD this agency, " SARMA '' done their proper research they would have NOT placed this on my credit, which is permanent. Instead they could have done more due-diligence to collect this in the proper way as a XXXX-party.
Lowes sent me a new credit card for a previously closed consumer credit account. I did not request credit in my name and each time I have spoken to them ( today included XX/XX/XXXX  ) they tell me that my account has simply been inactive.
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I went through the closure process again today ( the very same I went through before ). I 'm unhappy that Lowe 's in extending credit in my name without my authorization.
For years I have disputed incorrect and unverified information on my TransUnion credit report. After every investigation I have always received a generic response. XXXX and XXXX have been disputed and were unverified but TransUnion still has this information on my reports. I have reached out to both companies with no response. I disputed this information with TransUnion several times pleading for an investigation.
I applied for a loan and never accepted the loan because the interest rate was way too high and I kept receiving emails to accept the loan it was deposited in my account. I called the number provided and couldnt get an answer. I finally decided to send a email and finally got a response but was told I had to pay interest plus the money that was deposited into my account which would have set me back financially now I am stuck with them debiting bi weekly payments from my account
Despite me repeatedly telling XXXX XXXX AND RUSHMORE that I do not live at XXXX XXXX XXXX XXXX NY but I do have an interest in the home and I am responsible for the mortgage giving them ALL proof that I have not lived there since XX/XX/2003 That I remarried and that is where my ex wife and children live they continue to proceed with an illegal foreclosure by giving me ABSOLUTELY NO NOTIFICATION of what was transpiring NO NOTIFICATION OF COURT DATES NO NOTIFICATION OF OPTIONS AVAILABLE XXXX XXXX XXXX XXXX even has other addresses where i lived in their files yet in order to move forward and illegally foreclose they keep sending everything to the XXXX address Even after I did find out about the foreclosure and told them in COURT MY ADDRESS HAS NOT BEEN XXXX XXXX they ALL CONTINUE TO SEND ME NO INFORMATION EVERYTHING STILL GOES TO XXXX XXXX XXXX XXXX NY The banks Attorney committed fraud upon the court by affirming that they served me The servicer and bank committed fraud upon the court stating they have the note when the banks other Attorney clearly states they do not have the note. I have repeatedly requested what was paid what is owed I get NOTHING yet they want to foreclose they told me on the phone you had 6 years to fix this you havent I could not fix a problem I WAS UNAWARE EXISTED
XXXX XXXX is still showing on my credit reports, this is a debt that 's over 7 years old and should automatically be removed from my credit report, the debtor has written this debt off and due to new law ruling passed effective XXXX XXXX, XXXX, no judgments are to be reflected on your credit report also due to : Federal Trade Commission, Office of the Attorney General, Department of Banking and Finance,  Office of Thrift Supervision, Better Business Bureau, Advocates for Fair Credit Reporting this must be deleted from all 3 credit bureau 's effective immediately and to date this has not happened after several letter attempts to XXXX, Equifax and XXXX by law this is illegal. Please remove from all 3 credit bureau 's immediately. I was advised from a free legal counsel service which advised it is against the law for XXXX XXXX to attempt to sue for garnished wages of which they attempted to do in XXXX, even the court advised they are not allowed to attempt to ever sue for garnished wages again.
HSBC recently began charging a number of new fees on my checking and overdraft protection accounts. I am not aware of being notified that these new fees would be put into effect, nor am I aware of having agreed to this significant change in the terms and conditions of my bank accounts. It is possible that these changes were hidden in one of the periodic updates to the terms and conditions of my accounts with HSBC but no attempt was made to make me actually aware of these significant changes to the fees which are charged to my bank accounts. I have had my HSBC checking account for 15 years and my select credit ( overdraft protection ) account for more than five years. Looking back through my banking statements, I can see that HSBC did not begin charging these particular fees until XX/XX/XXXX. 

The XXXX new fees are a 'maintenance fee ' on my checking account and a 'miscellaneous debit transaction fee ' on my select credit account. I was charged maintenance fees of {$15.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of {$120.00}. I was charged miscellaneous debit transaction fees on XX/XX/XXXX for {$10.00}, on XX/XX/XXXX for {$30.00}, and on XX/XX/XXXX for {$20.00} for a total of {$60.00}. I was told that HSBC charges a {$10.00} fee for every transaction on the select credit account. The fees I have listed include all instances of these fees being charged to my checking and select credit accounts during the 15+ and 5+ years that they have respectively been open. After speaking with HSBC customer service representatives, some of the fees have been reversed but they will continue to charge them on new transactions. 

I believe that I was also deliberately misled by HSBC customer service representatives. I was told repeatedly that the terms and conditions of the accounts have not changed and that these fees have always been in place. This is an obvious falsehood which is made apparent by a review of my bank records, which I have done. The 'miscellaneous debit transaction fee ' is also similarly titled to the normal monthly finance charge for the select credit account, which appears in my statements as 'miscellaneous debit *finance charge* cash advance. ' I believe that these fees were given similar titles in order to deliberately confuse and mislead HSBC customers so that they would not notice the new fees being charged to their accounts.
I just got a new mortgage provider and was looking forward to making bi-weekly payments instead of monthly payment so I could pay down the loan quicker and better connect my payments to my bi-weekly paycheck. But my mortgage provider wants me to pay a {$150.00} setup fee. I do n't think it 's fair to charge me for this pay structure which can help me save money.