WillisBack/dataset-financial-user-claim huggingface dataset:
Company continuously calls my cell number and place of employment saying that they have legal documents to serve me. Company name is  XXXX  and they wo n't give me information except that I owe money and they want to settle on the spot and if not they will take legal action. They have all of my information and I wo n't confirm with them. I have told them if I owe money they can send me a debt validation letter, which I never have received. They tell me they have emailed me and I told them that is not the law. These people need to be stopp ed ASAP. T hey make life a living  XXXX  for people or try to.   XXXX  I have received calls from  XXXX ,  XXXX ,  XXXX  ... .and other numbers..
I became ill after my husband died.It was determined that I had XXXX XXXX. I received a XXXXXXXX XXXX and have been on the road to recovery for the past years.I tried to get an modification from XXXX XXXX XXXX XXXX for several years only to be mislead by bank. In fact when I wrote a letter to the CEO of XXXX XXXX concerning my situation. I was transferred to Rushmore Mortgage services. 
Rushmore received file on XX/XX/2019 two weeks before a scheduled auction. 
They had no time to review documents for a short sale or short payoff.. 











rding
No matter what, when I requested forbearance or when I was enrolled and requested it be deferred, they would tell me it was done, yet I would get collection calls and notices a month later and my credit score suffered severely. Its getting to the point where finishing school is dangerous to my future.
XX/XX/2018, XXXX and XXXX are reporting YET Equifax is not reporting stating they couldn't verify identity even though they received a faxed copy of State Issued IDs. I am attempting to refinance and the loan officer needs 3 bureaus. Customer service was very hard to understand and very rude asking impossible to remember questions. When asked to tell me their name they made up a name. When asked to transfer to a supervisor, after a 20 minute hold ... .he was not willing to help in any way either. Time is of the essence and Equifax is unwilling to help get my credit report. I need an advocate!! Please help.
I was recently contacted by my bank, PNC Bank, headquartered in XXXX, PA. At the time, I had XXXX checking accounts and XXXX savings account with the bank. They contacted me to convince me to open a credit card account. They said the new credit card account had XXXX features 1 ) no interest for the 1st 18 months on new purchases 2 ) no interest on balance transfers for the 1st 18 months. I did my own analysis and decided, based on these facts, to accept the invitation to open the credit card account. A few months after I opened the account, I decided to transfer a {$9000.00} balance from another credit card account. 
When the transfer finally posted on my new PNC credit card account, there was an additional {$270.00} charge as well associated with the transfer. 
I immediately called the bank and was told that there is a 3 % charge on all balance transfers. They claim it was in the literature that they sent me. It simply ca n't be fair for a bank to aggressively try to cross-sell a customer a new product and not disclose this type of term until the customer has already accepted the new account. This is what happened to me and PNC had refused to refund the {$270.00}, so I 've filed this complaint.
In XXXX 2015 my wife and I requested our free credit reports from XXXX and in XXXX 2015 we requested them from Equifax , all XXXX online. Despite previously having gotten these reports online for several years with no problem and with no documentation required, we were both suddenly denied this by both companies and told we had to apply by regular mail, and to include numerous personal identification and financial documents. This is a nuisance and we inquired why, both in writing and by telephone, but were stonewalled and given no information. We were told simply that this is the procedure and no further information is available. The inconvenience is in having to assemble and mail these documents, wait several weeks for the reports to be sent, then having to scan them into the computer so as not to keep large amounts of paper reports on hand for years. Again, no explanation was given why we were denied, despite repeated requests.
I experienced XXXX instances of check fraud that involved mail theft within the last two months. Both cases involved mailed payments from a local mailbox to different individuals. In both cases I contacted my bank ( i.e., Chase ) to file an " Affidavit of Unauthorized Endorsement or Altered Item '' and provided the necessary evidence of the altered checks. In essence, the alterations on XXXX checks are extremely obvious and there is a track record of payment to the individuals to back up the case. The resolution of the matter ( funds to be credited back to my account ) should be fairly routine and expeditious. The bank seems to have a protocol that allows for keeping the consumer in the dark for a prolonged period of time, and with no legitimate contact person that can directly respond to the consumer.
Green Tree servicing, now known as ditech. Fail to honor agreement with XXXX XXXX XXXX for loan modification. 
After many months of faild communication with this loan servicer I 'm facing imminent foreclosure. To This Day DITECH refuses lto provide any assistance. The documents sent for loan modification always disappear and they request to start the process over and over again.
I have multiple duplicate inquiries on my credit file. I received an notification a while back on XXXX they were removed and they have reappeared. I have alot of duplicates from the same day and that is incorrect.
I contacted the credit card customer service on XX/XX/XXXX because i got an alert on my credit monitoring that my credit score has decreased due to the TJXrewards MasterCard decreased my credit limit to a point where my balance exceeded the limit AND charged me a fee because of it. When i called they told me it was due to periodic review of credit score ( which is currently higher than when i got the card in the first place ) i have never been late on a payment. I had to all back 4 times and ask to speak to supervisor because the customer service rep hung up on me 3 times. They refused to waive the fee or restore my credit limit. They never sent notification of any of this to me, i wouldnt have known if i dont regularly monitor my own credit scores
I had an FHA mortgage which I think uses deceptive marketing techniques and fraud as a basis for concealing the total cost of the mortgage. First of all, there was no way to cancel my mortgage insurance despite my loan only being XXXX % LTV because I refinanced the mortgage for a lower rate and it has a mandatory 5 year MIP payment from the time of refinance regardless of the value of the home. We recently sold the house and now found out we have to pay the entire month 's interest despite closing on XX/XX/XXXX. This resulted in a charge of {$810.00} of interest regardless of closing earlier in the month.
In XX/XX/XXXX, my then fiance and I got a home loan from XXXX. It was a 7 year, interest only loan, with escrow for taxes, homeowners insurance. XXXX XXXX XXXX took over the loan in XX/XX/XXXX, I think. The paperwork only had my name on the loan. I brought the original court stamped documents to The mortgage department of XXXX XXXX XXXX. They refused to correct their mistake. Fast forward XX/XX/XXXX.  My fiance and I broke up. I hired an attorney because my now x who was still living in the home refused to agree to sell the home. And split the equity. We went to mediation, where, upon my moving out, I would get {$20000.00} and he would attain his own mortgage within 6 months. I had put a $ XXXX down payment on the home, but agreed to the $ XXXX just to get away from him. In XX/XX/XXXX, the loan converted to an arm. Homeowners insurance with Florida XXXX was part of escrow. Each year, from XX/XX/XXXX to  XX/XX/XXXX, the annual homeowners premium increased and XXXX XXXX XXXX never increased the escrow. I requested an annual annalysis. Instead, after they paid the shortfall for the insurance, XXXX XXXX XXXX began reporting the mortgage payments as " late ''. That continued to be reported on my credit until XX/XX/XXXX, when the home was sold by his family XXXX year after his death. Oh yes, and 1.  They never told me he died, and 2. They stopped paying the mortgage after he died. In XX/XX/XXXX, his son paid the back mortgage. XX/XX/XXXX, the home was sold, for a profit. I received an additional $ XXXX. Here is the rub. In public records, it shows the mortgage was satisfied. In both of our names. By XXXX   XXXX XXXX. I am trying to fix this misjustice. My credit is under XXXX. 3 years of late payments on a mortgage!. My lawyer couldnt help me, except I paid two lawyers over $ XXXX to help prevent these issues. My x should have done what he aggreed to, get his own loan. He honestly could have bought the property outright. XXXX XXXX XXXX should be responsible for this. I paid a 7 year interest only loan. Over $ XXXX. With the arm, and with the escrow agreement, they were obligated to increase my escrow so there would not be a shortfall. Please tell me what can I do.
I have had a longtime good relationship with USBank XXXX! I was XXXX while working On the Election Capagins XXXX in the XXXX XXXX XXXX XXXX. I had purchased a new Volkswagen Jetta Flex Fuel through XXXX XXXX in XXXX. I got the financing with XXXX XXXX and the XXXX. I got several XXXX XXXX Law Forms to help me get successful resolution of the insured debt and personal injury. US Bank did not have to pay off the accident. I am heavily insured and had a XXXX credit score. There was a change in management at US Bank. The new head is XXXX XXXX. I invested my settlement in a XXXX XXXX and a University XXXX XXXX XXXX. Employees at USBank and XXXX credit cards literally stole the monthly payment from XXXX of the Financial Institution with the highest ratings XXXX and America? While would USBank employees steal from XXXX XXXX. Fire the head of USBank XXXX XXXX and replace him with a more qualified woman president! Fir give my minor USBank credit card debt?
Hi, I 've been providing instructions to Navient about how I want overpayments that I 've been sending applied but they have not been honoring my requests. I recently downloaded and submitted the form from the CFPB article " Stop Getting Sidetracked by your Student Loan Servicer '' and the only response I received was a form letter telling me how Navient applies overpayments ( the only sentence in the letter that even seems to match my request to have overpayments applied first to higher interest loans, then to loans with lowest balance, etc seems to be " Once all loans are current, the payment will go to each loan in the billing group, prorated according to its monthly payment amount, or a lesser amount if some of the the monthly payment amount has previously been paid '' ). 

I would really like to be able to pay off my highest interest rate loan first, but Navient does not seem to allow this, and does not even seem to be responding clearly to my request. 

My account is in good standing ( loans from XX/XX/XXXX-XX/XX/XXXX, and I have never had a late payment ). I have XXXX FFELP loans and XXXX PLUS loan, with interest rates ranging from 5.8 % to 8.4 %. The loans were taken out from XXXX ( which had much better customer service ) and sadly were purchased by Navient a number of years ago ; had I known this would happen I would have chosen a different provider at the beginning.
I am the co-signer on the loan for my son. He is unable to take off work to submit a complaint. XXXX College in XXXX, WI is the name & location of the school. We took out this loan in XXXX and were not provided with the note disclosure statement which said that the total amount due by the end of the payment period was {$46000.00}. Had we seen that paperwork, we would n't have taken out the loan. Due to our lack of ability to make all of the payments on time, our {$12000.00} loan now has a balance of {$13000.00} as of XXXX/XXXX/XXXX. We contacted AES the servicer to determine how we could rectify this situation and were told to make {$73.00} payments. We began making {$75.00} payments XXXX XXXX of XXXX. We were unaware that the payments being made were only covering the interest. Our payments have increased to {$160.00} a month and have been consistent since XXXX of XXXX. We understand that our interest has accrued due lack of payment but since we were not made aware of the full amount we would be required to pay, we would like a concession on the remaining balance.
I purchased XXXX Ethereum coin on XX/XX/XXXX for  {$630.00} per coin. Total was {$650.00} with fees that Coinbase charges. I bought the coin with my Credit Card which is supposed to be " instant '' as described on Coinbase 's website. I waited and the transaction was stuck on Pending. My card was not charged but the transaction never went through. Had Coinbase processed the buy as promised, I would be able to sell that coin now for a premium. 

I contacted Coinbase 5 days later and opened a case with them. I was told a specialist was working on my issue. On XXXX XXXX, 2018 I got an e-mail saying that my transaction was cancelled by Coinbase since my XXXX XXXX  cancelled it. 

The issue with this fraud is I have bought coin with this same card before and my bank never blocked it. I was even able to buy coin days after on the XX/XX/XXXX with the same card. I got no notice from my bank stating they blocked the charge and they always do send me notice when they do. This is how i KNOW Coinbase is lying by saying my bank is to blame. They do not want to give me my Ethereum coin @ the {$630.00} price because the price of one coin currently is over {$1100.00}. Coinbase is lying and is costing me money.
I applied for a VA fixed home loan with BBVA Compass and mortgage loan officer ( XXXX XXXX XXXX ) has failed to comply with VA loan requirements, by charging fees I am exempt from. I am a XXXX U.S. military veteran applying for a va home loan. They have not contacted me and or even ignored my phone calls and emails regarding my VA home loan. When I call to check on the status of my loan several representatives of the bank seem to send my in a phone call circle with the end result in no information and just more people to contact just to check on the status of my loan. When I call the following phone number some company answers with the name XXXX. That company is nowhere to be found on any paperwork or documents that I have received from XXXX XXXX or the BBVA Compass bank institution. It is now XXXX XXXX, XXXX a week from the date I found a home to close on and since that time I have not heard anything but it is in underwriting. That was the status last week and that is what I was told today. I have called the bank to check and see if XXXX XXXX even works for BBVA Compass and they gave me the following phone number which I do not have from him ( XXXX ) XXXX. I have 4 phone numbers for him and that is not XXXX of them. Those numbers include XXXX, XXXX, XXXX and the supposedly company phone number XXXX. XXXX is the phone I have called a few times and it is answered by some company called XXXX if I am spelling it correctly. These people have all of my personal and financial information yet they remain unresponsive in their communications concerning my VA home loan. Every phone number I call for BBVA compass sends me through several repeated prompts that take forever to reach a person. This is not the first home loan I have applied for with this company and the process was a lot quicker, however the home was contingent upon the home inspection and was declined by me the purchaser.
I do n't owe this debt. i have not lived at the address listed for over 18 years. This is the first time I have EVER heard of a Chase card or the people who have garnished my wages in regards to this matter. I am being forced into poverty as the result of these people taking a literal pen and writing in almost XXXX worth of charges. on me and throwing my finances in a downward spiral. I am losing everything I have, because of this. I can not afford a lawyer because I am penniless right now. How are they being allowed to do this? This through my bank account into overdraft because I budget for my expenses and paycheck was not enough to cover my bills. I ca n't sleep nor eat, because my utilities will be disconnected in XXXX degree heat in Alabama. How are these people being allowed to steal? I do n't know these people, I have NEVER had a Chase account Ever! Yet, these people want to steal over {$12000.00} from me. If this can help one person, then it has been worth it.
On XXXX XXXX I applied for a Loan with SpeedyCash. I originally applied for a loan with XXXX but somehow got routed to Speedycash.com. The APR is 360 % and im charged interest daily since the start of the loan XXXX. I was unaware of the high finance charges when speaking to the respresentative. I called the XXXX number when I found out the loan was n't with the correct the lender. Also after further research I found they accepted my loan with incorrect information. My home address and license does not match what they have on file. I was suprised to find this out after following up with the agent. It 's unfortunate I lost my job after the initial loan take out which is why i needed more time to pay the loan back. The company has my current banking information. I wasnt able to find the Speedycash.com as a reputable lender. At this time I am not sure of what my options are. I could really use some guidance in how to pay back the loan minus the fees, interest, and stress. By the time I 'm done paying the loan i would pay double if not more. At a rate of XXXX on a XXXX dollar loan. 

SincerelyXXXX XXXX
I have a mortgage that was finance in XXXX at the time it was an 80 % /20 % loan. WAMU/Ocwen had the 80 % and Chase had the 20 %. At loan origination it was XXXX ARM. while going through financial difficulty I called XXXX and Chase and XXXX refinanced my loan through HARP or HAMP at a lower rate of 3.875 % and fixed my rate but CHASE has decided not to Fix or lower my rate. Currently they are charging me 9.025 % on my loan. I have tried refinancing with them twice and they have refused. Can you please step in and help me get a better rate from Chase? 

Thanks, XXXX
XXXX XXXX XXXX XXXX, XXXX - Address : XXXX XXXX XXXX XXXX, MI XXXX was sent by XXXX XXXX to collect a measly debt from me which was really unauthorized in the first. I agreed to their offer to pay {$34.00} and then they went and put it on my credit report costing me an extra quarter point on my home mortgage. They offered the settlement. I would never have agreed had I known they would do this. At this point I 'd be willing to pay the bill in full if they will remove the negative report. My other option is to go to small claims court.
these inquiries on the bureaus do not belong to me, I have submitted paperwork and they did not remove the inquiries after multiple disputes
I am having issues with Chex-systems. I have filed several police reports with the XXXX in reference to an identity theft issue that I have going on. Someone continues to use my identity to open up loans with credit unions that lead to inquiries on my chexsystems. I filed an initial police report and refiled another report after there were accounts opened fraudulently and I just finished amending my police report once again because i have had continued issues with identity theft. Chexsystems in reporting several fraudulent inquiries on my file I have only opened a XXXX checking account and have not authorized for any institution to access my chexsystems file. XXXX should be the only inquiry that i should have reporting on my file an chexsystems is reporting several fraud inquiries on my report. I am attaching a copy of my XXXX police report which has been amended already because of recent fraud. I am requesting for Chexsystems to remove the fraudulent inquiries from my chex systems file the only inquiry that should be reporting in XXXX.
I paid in advance for a one year subscription to The XXXX magazine. The sent four additional publications after my subscription expired without my authorization and did not advise me of what they were doing and did not give me the opportunity to cancel their unauthorized additional publication mailings.

The Nation turned me in North Shore Agency ( NSA ) collection to collect the {$29.00} they claim I owe the and now NSA is threatening action.
On XXXX XXXX, I sent a letter to the XXXX credit bureaus, asking them to correct errors on my credit report. I promptly received responses from XXXX and XXXX XXXX showing the corrections, but I still have not receive ANYTHING from Equifax. I 've even sent follow-up letters. Still : No response from Equifax.
Hello, I have a complaint about XXXX XXXX. 
The story : I was approved for XXXX XXXX XXXX credit card on XXXX/XXXX/2016. There was a sign up bonus offer for this card. I should spend {$3000.00} in 3 month in order to receive XXXX MR bonus. 
The requirements were fulfilled and the bonus was received on XXXX/XXXX/2016. 
The card does not suite my expectations and I closed it on XXXX/XXXX/2016. I have XXXX XXXX XXXX card and it is connected to the same Membership Reward program number. 
On XXXX/XXXX/2016 without any prior notice XXXX MR points were removed from my account. 
On XXXX/XXXX/2016 Online chat XXXX XXXX representative indicated that my Membership Rewards account is currently being reviewed to make sure the total of all eligible purchases meets the spend requirement during the promotional period. 
Later I called Customer support and two XXXX XXXX representatives and one XXXX XXXX supervisor insisted the Terms and Conditions were violated. They said that I should keep the card for at least a year in order to keep the points. I asked to show me this term in XXXX XXXX Terms and Conditions. Every Representative spent from 20 minutes to hour in order to find the term and failed. Next XXXX XXXX supervisor said that the spend requirement was not fulfilled which was incorrect. 
Another XXXX XXXX supervisor said that there was an ongoing review process. I was not informed about it. Supervisor indicated that, due to the review process was finished after the XXXX XXXX XXXX credit card was closed ; they were not able to put the points back. That does not have sense. I fulfilled all the requirements, received the points, was not notified about review process, and did not abuse any part of Terms and Conditions.
Creditor is reporting incorrect information and balance on all three credit reports. Balance after repossession is inadequate. I never got a receipt telling me for how much they have sold the car. Only got my balance increased and reported incorrect.