WillisBack/dataset-financial-user-claim huggingface dataset:
We were approved for modification XX/XX/XXXX. We received packet in mail telling us we were on a repayment plan. The modification took forever to get done. We had to start process over once because the time frame ran out they said. We were able to make to payments of the repayment plan. My wife 's bonus was n't guaranteed and my overtime was n't either which was they used. I called to tell them we could n't handle double the payments. They offered us another packet for a modification. We were declined. Since then we have asked for multiple packets to be sent to us and none have arrived. We call and ask again. None delivered. Foreclosure process was dismissed in XX/XX/XXXX. We received a letter from their attorney last Friday. I called office closed for Holiday. I called back monday, they could n't answer any of my questions and were no help. The process took so long to get the modification that the payment was to much. US Bank would n't accept any payments in the process so it made the payment to high. I have called to try and work it out with no success. I have n't received any notices in the mail about be behind on payments or needing to contact them. I only received the letter last friday from the law firm threating Foreclosure. I put a new roof on last year and a new AC unit during the summer. If I new the payment was going to be that High I would have kept the cash in my savings to make the payments easier. Instead I make improvents to the house and now they wo n't work with me. This whole process has taken a hit on my credit. I ca n't get funding from anybody else so I 'm at the mercy of US Bank. I 'm a family of XXXX and really do n't want to loose my house. We would have to send kids to different schools. My work took 17 % of my pay which made it difficult and my wife was n't working much. Now things have changed, my wife has a good job and we are able to pay. My house is the last thing I need to get straightened out and it seems like US Bank wo n't work with me. I have asked if they could combine my 80 % and 20 % mortgages and shorten the months with the same % rate which would be a lot less then the repayment plan they had. I 'm filing this complaint because I do n't know what else to do. I met with another mortage company and told them about the process I have been going through and they gave me this website. They could n't believe what was going on.
PNC Mortgage Loss Mitigation wo n't give me any information regarding countless declined Short sale offers. They hold on to offers then decline and not counteroffer stating it 's too close to sale date. We have submitted latest offer at PNC 's BPO 's value and no one will look at it nor help with getting sale date extended. We have been trying to work with the servicer for past 6 months and get no information except declined. Our sale date is Monday XX/XX/XXXX and really need help getting to a decision maker. Supervisor over loss mitigation wo n't return phone calls. This foreclosure litigation has been on going for almost 5 years because PNC could not prove standing. It has been a nightmare and never once have they reached out to help mitigate the foreclosure. PNC is subservicer, XXXX f/k/a XXXX mortgage is Master Servicer Investor is XXXX TRUSTEE for XXXX XX/XX/2007 pass through certificate Trust put together by XXXX. The Investor name had to be changed as plaintiff on Foreclosure because PNC could n't prove Standing. But as servicer they are the only one we can submit loss mitigation options to because trustee does n't make those decisions. But it seems like if Servicer did n't have standing to foreclose them they do n't have standing to approve a short sale. Resulting in us the homeowners in a BLACK hole. Please help get Sale extended and help us forego a foreclosure by completing a short sale. Our buyers are qualified and approved for XXXX waiting on PNC approval. PNC 's BPO As is Price is XXXX.
Ive recieved multiple calls from this company threatening me, called my employer. They left personal information on my voicemail and my old employers voicemail such as birthdate, last 4 of social. Threatened to have my license suspended and take forceful action
On XX/XX/XXXX and XX/XX/XXXX I reached out to NCC Business Services regarding an debt with a Apartment I had back XX/XX/2016 with my ex girlfriend. I called to see about settlement woh them I was told no this account can not be settled for anything less. The XXXX the phone was rude acted very non chalant said your working you dont need a settlement if oh were out work we could do something. So I questioned him telling him if I was unemployed wouldnt be able to do anything. Im working need this matter taken care of in a timely matter willing to do 60 % of {$2800.00}. I have a family to provide for ready for this blemish to be removed from my credit history.
Today my wife received a call from this number - XXXX ext - XXXX regarding a credit card I had with XXXX. The company XXXX XXXX XXXX then proceeded to tell my wife about my personal and private business. The individual who called her XXXX, told her he was a debt collector and then proceeded to tell her why he was calling about a debt I have. I never authorized anyone to call her. I never gave her number to this place. So he not only obtained her number without permission, but also broke the law and gave out personal information regarding said debt which they were never authorized to do. I only found out because my wife came home and told me. Plus she also said this XXXX XXXX was very mean, could barely understand a word he said and was demanding, all this while she was at work and explained she was. So last time I checked they violated the FDCPA which is supposed to stop this kind of activity. Therefore why I am filing a complaint and want action taken on them. How they got her number and then proceeded to give out my personal information just broke two laws last time I checked.
My debit card was stolen and my identity. Someone called the bank and did a fraudulent claim on my account for a missing deposit. They also requested a limit increase on my debit account to immediately do a withdrawal of the temporary credit that was posted to my account. I immediately notified the bank when I noticed the unusual activity. I explained that I never authorized that activity and requested that they cancel the all transactions. I also filed a police report and requested that they view their security cameras to prove I did not do the withdrawals nor did I file the fraudulent claims done over the phone.
I mailed an addition to credit report letter to Equifax to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.
I am using TCF bank checking account. I have never consented to opt-in rule ever since I opened the account in XXXX, but I have just found out that they automatically put me in these option. And there was XXXX transactions ( credit card payment ) when I did n't have enough balance in my account. But the bank charged me {$74.00} for those XXXX transactions. I called the bank and explained the situation, but they did not apologize their arbitrary action, which is the violation of the law, and still insisted to charge me for the transactions since the transaction, which is credit card payment ) is related to my bank account. I do n't get it. If there was not enough balance in my account, they should have declined the transaction rather than charging me overdraft fee.
I checked my Best Buy statement in detail and found out they have been charging me for over a decade for something called " Debt Protection '' which equates to almost half of my minimum monthly payment. This " Debt Protection '' is something I never consciously agreed to sign up for. A quick search on the internet shows that Best Buy has been doing this to people for quite a long time and there have been many filed complaints about this shady practice. I don't understand how or why it is legal for them to do this to consumers and get away with it. This is probably thousands of my dollars over a decade that has been going to this " Debt Protection '' service and not going to pay off my balance which I think would have been paid off by now. Instead as of my last statement, only around {$2.00} of my monthly payment is going towards paying off my {$2700.00} balance instead of the {$27.00} it should be, which is just awful. Not only that but there is no way I can pay off my promotional balances in time if they are charging me this fee and I'm only paying the minimum monthly payments. So over the last decade, how many promotional periods have expired and I've been charged even more interest strictly because of this " service '' they keep charging me for?
My loan was sold to a company called Selene Finance which has been a NIGHTMARE from the start. We have been " in the process '' of a loan re-modification for the past 15 months. Our home is now being foreclosed and Selene says they have never received XXXX document from us. WE HAVE ALL THE RECEIPTS, of over XXXX re-modification process being denied, never stating a reason. I have shown that i have no only savings in the bank but also a steady income. I started to research online and they have an F on XXXX, their reviews are all the same, the want nothing more than to foreclose on your home and make a profit for their investors. XXXX XXXX who runs his own investment firm is also the CEO of Selene Finance. This is mortgage fraud and my family and i are about to lose our home due to the fraudulent actions of this company. Please help.
In XX/XX/XXXX, both my husband and I received offers on our American Express XXXX card accounts to earn bonus Starpoints by adding authorized users ( AUs ) to our cards. The offer stated that for each AU who spent at least {$1000.00} in 3 months, we would earn XXXX Starpoints, up to a maximum of XXXX points ( 4 AUs ). 

We both took advantage of the offer, added the AUs, and each of them spent at least {$1000.00} in well under 3 months. However, it 's now late XX/XX/XXXX, and we still have not received all of the Starpoints -- we each received only XXXX ( the bonus for one AU ), so we 're missing XXXX points each. As Starpoints are a very valuable points " currency, '' and not easy to earn, XXXX Starpoints is a pretty big deal. 

We 've contacted Amex multiple times about this, and even though Amex has confirmed ( multiple times ) that we did indeed earn the bonus points, they 've been stringing us along for MONTHS without posting the points. One customer service rep even tried to tell me that the offer was for just ONE authorized user and XXXX bonus points, but fortunately I had saved screen shots of the offer, which clearly says " up to XXXX points/4 authorized users. '' I also saved a conversation ( live chat ) that my husband had with Amex, in which they assured him that he HAD earned the points and that they would soon be posted. That was about two months ago : -/ Now we 've been told that Amex will " open an investigation '' -- which could take up to TWELVE WEEKS! -- into why the points have n't posted, which is just ridiculous : Amex OWNS the points, so all they have to do is post them to our accounts. 

We have a vacation planned for late XX/XX/XXXX/early XX/XX/XXXX, and I 'd love to be able to use the points to book our stays at XXXX hotels, but I ca n't commit to the hotel stays without the extra points we earned. I have even requested that XXXX intervene on our behalf to get Amex to release the points, although I 'm not sure that 's something they can do.
After months of disputing the XXXX XXXX XXXX Tradeline on my Equifax report - and getting this final response from them, stating there is nothing wrong with the account, its been verified, and is reporting correctly - it stays on my credit report. Copied response is below. 

" Response disputedEquifax said : Explanation of closureEquifax has reviewed the complaint and its records. Please be advised that XXXX XXXX XXXX account number ending in XXXX was disputed on XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015. XXXX XXXX XXXX has advised that your status is reporting correctly on the Equifax Credit File. Please be advised that charged off accounts that are reporting a XXXX balance are considered to be closed accounts. For any additional information regarding this account, please contact XXXX XXXX XXXX directly at ( XXXX ) XXXX. Our records conclude that a copy of your Equifax Credit File was sent on XXXX XXXX, 2015. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. " The problem is - on XXXX XXXX, 2015 - this tradeline was deleted. It has disappeared from ALL records at Equifax ( I just called them ) and the only remnants are the XXXX disputes I filed in XXXX and XXXX of this year. 

By Law - I am entitled to a written explanation for all disputes, and this deletion has never been accounted for. 

Equifax - please explain and provide any supporting details for the following. 

1. Why was this account deleted? Please provide the method and the owner of such the decision as well. 
2. Why was notification of a deletion of this disputed account - not provided in writing? 
3. Where is the NEW credit report that reflects the change to this disputed account? 
4. All responses are requested through US mail. 
5. This account has not aged out, as per FCRA/XXXX reporting specs.
We have a File that is an REO purchase, we are having issues with the sellers closing agent, this is adding cost that is the REO lenders responsibility to pay. The company is refusing to communicate with their client and is holding us hostage and we are trying to close this transaction. The Seller is NationStar/XXXX, the person we are working with for Natonstar is XXXX XXXX XXXX, Law Offices of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, FL XXXX Phone ( XXXX ) XXXX Facsimile ( XXXX
This is an old debt from the military. Since XX/XX/XXXX and I had filed bankruptcy in XXXX XXXX. They are still reporting negatively on my credit report. I really need help to remove them for good. This debt is really old. The creditor is Pioneer Military Loans from XXXX. They know the debt is old but they keep refreshing on my credit report.
We purchased the house, the lending company we got the loan through gave the wrong contact information to the insurance agency. They say they tried to contact my wife who was not the borrower on the loan, I was. I was never contacted about a dangerous dog form which led to them cancelling my insurance policy in XX/XX/XXXX. I never received notice from the insurance company or the mortgage company that my home insurance cancelled. The refund check for the insurance was stolen and my signature forged. The mortgage company sent me a letter in XX/XX/XXXX ( 8 months later ) saying that I had no insurance and were back dating and retroactively placing force placed on my house. my initial policy for the year was {$1100.00}. The mortgage company 's force placed policy was more than {$4000.00}. I have explained, and the insurance agency even wrote a letter describing my circumstances and asked for them to waive the insurance policy since the insurance was not used because no damage or claim was filed and they refused. the lending company, the insurance agency, and the mortgage company all three are not taking responsibility for the mishandling in the situation which caused me to incur such a huge increase in charges, and also the extremely over priced force placed policy.
When trying to use a finance management app, specifically XXXX, it says capitol one is blocking external access to my account.
I tried to get company to pull my son and my daughter off of my policy as neither of them live with me any longer. They refused to change my policy to reflect the new changes and advised them that I was going to cancel my policy with them and look for more affordable options for car insurance. I did cancel my policy and went to XXXX at that time and then approximately a month later they placed a debt collection on my credit report. I have disputed this on my credit report and I have not heard anything back. Any help getting this removed from my credit would be greatly appreciated. I have 100 % payment history other then this ding on my credit. Thanks for your time and attention. BTW I am currently back with XXXX XXXX because they were able to offer me a super low rate now with a new policy. If they had just donr this prior I would have never left and gone to XXXX. 

Best Regards, XXXX XXXX
I applied for an auto loan, and the company, XXXX XXXX, tried to FORCE me to PUT my HUSBAND on the LOAN, because I financed a vehicle for him in 2016, I refused several times and was told that they couldn't finance me if I didn't, MIND YOU I COSIGNED FOR him, NOT the OTHER WAY AROUND.
All 3 credit bureaus have been putting my car loan as reposssed redeem and Late payment that shouldnt be on NONE of my reports. Ive sent in numerous complaints to consumer finance. This is my third time filing and will seek legal action if its not off my report within the same day of receipt of this complaint. This has hindered me from purchasing property. Very damaging to my score.
Caine & Weber has been contacting me concerning a debt transferred from XXXX.XXXX failed to communicate and validate I owed this. I canceled XXXX before this balance was due and acquired more affordable insurance through XXXX. Caine & Weber are now threatening to report this on my credit. If this is reported on my credit, it will affect my ability to get a job and many other products. I have XXXX credit & this is unfair.
I spoke with XXXX XXXX regarding a settlement with XXXX XXXX. We arranged to settle a delinquent account for {$1500.00}. I paid {$1000.00} XX/XX/XXXX and remainder was due by XX/XX/XXXX. I called in on XX/XX/XXXX to pay remainder settlement of {$500.00}. XXXX was very rude asking why did I file a complaint with AG? And that I was wasting her time with complaint> She seemed very upset, and spiteful. I provided a XXXX XXXX credit card to make a one time payment of {$500.00} to settle the account in full. She sent me a receipt and never stated my card would be charged as a cash advance. The next day XXXX XXXX froze my account stating XXXX made 2 charges for {$500.00} and one charge was a cash advance for a wire transfer. I called XXXX immediately but XXXX was somehow unavailable. I never authorized this company to cash advance my card or make an additional charge. This has caused a huge inconvenience freezing my credit line. XXXX XXXX intentionally charged my credit card for a cash advance out of spite from me filing an Attorney General Complaint. This employee definitely needs to be investigated on her business practices.
My credit card payment with US Bank was due on a Sunday. I paid on Monday morning ( XXXX/XXXX/XXXX ) the following day, and was charged a late fee. The credit card act of XXXX allows for payments that are due on Sunday to be paid without penalty on the following week day. I have asked 3 times for US Bank to reverse the charges and they have not done so. They have sent me an email stating they are forwarding my email to their " President '' for a response, which I have never received. They sent me XXXX a packet of the legal terms of my card. I am extremely appalled at the blatant refusal of US Bank to resolve my issue or even to respond in other than an enigmatic or a secondary manner.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX # XXXX XXXX XXXX placed negative collections on my credit report around XX/XX/2018. Four accounts in total. {$830.00}, {$320.00}, {$570.00}, {$320.00} over a year ago XXXX XXXX XXXX, XXXX had also placed these four accounts on my credit report but these delinquent accounts are for a woman named XXXX XXXX, I am not XXXX and I have never been to shooting star rehabilitation services. They were removed from my credit history. But on XX/XX/XXXX XXXX XXXX XXXX XXXX placed all four collection on me again. My name is not XXXX XXXX. I started a dispute on XX/XX/2018 when I had noticed what XXXX XXXX XXXX had done. I sent proof of my identification to XXXX XXXX XXXX on XX/XX/2018 after speaking to XXXX XXXX XXXX over the phone. A manager at XXXX XXXX XXXX instructed me to email my ID to his email address and he would fix the problem. My first dispute closed and nothing was done and Harvard continued to collect the debt. I opened a new dispute on XX/XX/2018 and on XX/XX/2018 I filed an identification theft report with the federal trade commission. My dispute was finally resolved on XX/XX/2018. I am not even XXXX XXXX the bills were never mine and I have wasted countless hours and a lot of money on this problem. XXXX XXXX XXXX knew I was not the right person but they continued to try to collect money. This has put a tremendous strain on my family life
On XX/XX/2019, I was notified by XXXX that something from Waypoint Resource Group was posted to my credit report. Upon review, I didn't recognize the amount of {$130.00} or that company. After some research, I learned it was originally from XXXX XXXX, a local phone/internet company in XXXX XXXX, NV. I did have an account with them but have closed it over 2 years ago, returned all the equipment and paid my balance. Waypoint Resource Group has since posted the collection 2 more times to my account, each time I was only alerted by XXXX, never was I contacted by this company or XXXX. XXXX on XX/XX/XXXX, then again on XX/XX/XXXX and again XX/XX/XXXX. I've attached a payment receipt for the closing of the account which shows the payment confirmation in the amount of {$130.00}, I can only assume this is the same account since I only had 1 with XXXX and as I stated, it's been closed for some time. Waypoint is fraudulently reporting this same closed debt over and over again in an obvious effort to pressure me into paying.
i am a XXXX and make poor choices. i should not have gotten the credit cards in the first place and know i am stuck with all this debt i am going to file for bankruptcy
I canceled my internet service with XXXX XXXX in XX/XX/XXXX, and remitted payment for my final outstanding balance in XXXX XXXX. At this time I was given confirmation that my account was close, with a XXXX balance and in good standing with XXXX XXXX. I returned the router as requested and that was it. On XX/XX/XXXX, I received a credit alert advising me that a new collection account was open under my personal information. XXXX XXXX transferred a debt in the amount of {$100.00} to I.C Systems. Please be advised that I never received a bill, a late noticed of any kind by XXXX XXXX or I.C Systems given me no opportunity to dispute the debit prior to negatively impacting my credit report. Following the credit alert I contacted XXXX XXXX XXXX Customer Care team, after speaking with several representative I spoke with XXXX. He was great, helpful and took the time to review my concerns properly. He let me know that the {$100.00} charge was for the router. Although they could confirm that the router was delivered, it reflected delivered two days after the allotted return timeframe. Considering that they have possession of the equipment, he moved forward to issuing a credit for the outstanding balance of {$100.00}. I was advised to contact XXXX XXXX on Monday to get confirmation that the account was closed, with a XXXX balance and that they instructed the third party collection agency to delete all negative reporting associated to the debt. Well on Monday XX/XX/XXXX, I was told the credit was there reflecting as pending approval and that I should call again in a few days. I called again on XX/XX/XXXX, and I was given the same story.