WillisBack/dataset-financial-user-claim huggingface dataset:
1. I have not paid my mortgage for a while due to the refusals of my mortgage Servicer/Investor to modify my loan. I lost my job in XXXX XXXX, XXXX, and at the same day I requested my mortgage servicer ( XXXX XXXX XXXX ) for a mortgage modification through Home Affordable Mortgage Program ( HAMP ) but has been denied ( simply no official answer ) FIVE times. Each time XXXX XXXX XXXX offered help but when I try to avail of such, results : Either I was given a run-around, no reply, and declined. 

2. The owner of my loan, or the Investor is XXXX XXXX. 

3. With my mortgage 's 7.375 % interest rate, per mortgage statement attached : Monthly Regular Payment : {$2000.00}. Breakdown of Principal {$300.00}, INTEREST {$1300.00}, Escrow ( for Taxes and Insurance ) {$460.00}. Evidently there is room for its modification. Why would they refuse to help myself? 

4. XXXX XXXX XXXX, after declining my applications for mortgage modification, in XX/XX/XXXX transferred my account to another servicer, BSI Financial Services ( a collection agency ), XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, Account # XXXX. 

5. BSI Financial Service put my house on foreclosure sale for XXXX XXXX, XXXX. Weeks before that, through the XXXX XXXX County Foreclosure Prevention Department of Consumer and Business Affairs ( DCBA ) agency, I applied for a HAMP with BSI. I offered my monthly retired pay of {$2100.00}, and my ( re-started XXXX XXXX, XXXX ) Veterans Benefits ( XXXX ) stipend of {$1200.00} for every school month that I attended, to pay for a modified mortgage. Through my DCBA Counselor, my application for HAMP was declined by BSI Financial Services on XXXX XXXX, XXXX. 

6. My application for HAMP was declined due to low income. Will someone request for HAMP if his or her income did not decline almost half from the previous? That 's I am right now, a jobless Veteran, and a college student too. 

7. Facing foreclosure of my only home, it left me no option but to file for Chapter XXXX, Bankruptcy. I and my spouse, XXXX XXXX, filed for bankruptcy on XXXX XXXX, XXXX. We have a court appearance on XXXX XXXX, XXXX ( Case No. XXXX ), XXXX XXXX , US Bankruptcy Court , XXXX District Court of XXXX. 

7. I was an XXXX member, enlisted XXXX, honorably served over 21 years. 

8. I intend to pay all my debts once I recouped my losses from my unlawful job-loss. I was discriminated as a Veteran for over five years of employment. Because of those Veterans benefits above, I was paid callously even with my multiple promotions and achievements. 

Sincerely and respectfully, XXXX XXXX, XXXX, XXXX XXXX,
Medicredit XX/XX/2013 {$360.00} they have this account as a chargeoff/collections I have contacted this company six times and asked them to send me a contract or any documents showing I had services here and they have not. Also I have disputed this with all three credit bureaus
My mortgage was originally through XXXX, but sold to Seterus. For the 11 years I have been paying I pay online. Recently I received an email and letter from XXXX offering a " discount '' of my late fees. First I wasn't aware of any late fees because NO WHERE on the online payment portal does it disclose there are any late fees on my account. It just shows the principal due. The letter from Seterus dated XX/XX/18 shows that I owe in excess of {$2000.00} in late fees that I was completely unaware of. My entire mortgage payment is only {$1400.00}. a month.
The debt was forgiven by the bank. 

The account in question was a reward checking account at XXXX, XXXX, NY office, with address XXXX XXXX, XXXX, NY XXXX. 

The account had accumulated {$38.00} in " no activity fees ''. My wife and I were not aware of such fees on the account. 

When we found out about them, we made an appointed at the local office. On XXXX/XXXX/2016, my wife and I visited the XXXX XXXX located at XXXX XXXX, XXXX, NY XXXX and meet with XXXX XXXX ( XXXX, XXXXXXXXXXXX ). He converted our rewards checking account into a no hassle checking account. He agreed to remove the account fees, which has already been taken care of and resolved. Our " no hassle account '' is still open and in good standing. 

On XXXX XXXX, 2016, we received a debt collection notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I promptly wrote a letter, within 30 days, notifying XXXX and his office that I disputed the debt in full and that XXXX had already forgiven it. 

I 've now received a second debt collection notice but from a different agency, on XXXX/XXXX/16. 

XXXX XXXX National Enterprise Systems , INC . 
XXXX XXXX XXXX, XXXX XXXX, OH XXXX I am sending a debt dispute to this agency as well.
Previously XXXXXXXX XXXX XXXX was reporting same time as XXXX funding on my credit report after XXXX XXXX had sold my account to XXXX in XXXX of XXXX I paid XXXX and they removed from all my credit reports I sent a letter to XXXX XXXX in XXXX on why they are still updating my reports as late they replied back with a letter stating they no longer own my account they sold to XXXX and to contact them then again in XXXX they updated my account as late. I have supporting documents to verify this statement
I was in the XXXX, I was stationed in XXXX when I opened a Navy Federal Credit Union Account. I applied for a motorcycle loan and was approved, then changed duty stations to XXXX XXXX Texas. While at XXXX XXXX Texas I ended up being incapacitated, suffering from physical and mental illnesses that restricted me from taking care of myself on a physical, mental, and financial basis. With all of this being said, I now had family members taking care of my finances or supposedly taking care of all of my finances. After years of trying to rehabilitate and integrate back into the military as a soldier, I was eventually XXXX  XXXX and i'm 100 % totally and permanently XXXX. I eventually went into Navy Federal to open my account back up in which I was informed that a loan was not paid in my name and that I could not open an account. I really valued Navy Federal and did not know that an account was never paid off. Either I did not know because the proper steps to inform me was not taken or because of the medical situation that left me unable to perform in the proper mental capacity at the time hindered the people taking care of my finances from knowing how or what to pay. I really would like this all to be fixed as it is not to the fault of myself and the unforeseen physical and mental problems I endured at the time. I just want my account back because i'm a great customer and a great person. I've called and tried to give my explanation in which there was someone who tried to help but transferred me to a supervisor who was completely non-empathetic to the fact that a person could have died and had to rehabilitate themselves as a reason to help due to extenuating circumstances.
I am behind on mortgage payments due to medical reasons. I applied for assistance from my loan servicer Seterus. My mortgage account was charged ( XXXX ) in legal fees seven days after submitting application for assistance. The following month I was served foreclosure papers. I feel Seterus is in violation of The Dodd Frank Act.
I opened a checking and savings account with  Wells Fargo  late  XXXX   XXXX . I specifically said I only wanted a checking and savings account and nothing else. A couple of weeks later in  XXXX   XXXX  a credit card shows up at my door step. I specifically did not ask/want the credit card. I activated it a couple of weeks later. I called them  XXXX   XXXX  and asked where the card came from, no good response. I called them  XXXX   XXXX , after the whole banking scandal, no good response.     I then checked my credit report  XXXX   XXXX  and saw that that they did a hard credit pull on my account for that credit card. I called them and told them I did not authorize it and they did not tell me they did a hard pull on the account.  XXXX   XXXX ,  XXXX  I talked to one of their customer service reps and the guy said if you cancel the card we can send a letter to the credit bureaus and retract the credit pull. I said fair deal. I got a call today  XXXX   XXXX ,  XXXX  and the guy was from " executive '' relations and he said that is not something they 're going to do because I " benefited. '' Well they 're not removing the credit pull, I closed the card, and I lost the points I accumulated.     Basically, it 's the worst customer service I 've ever had and least amount of answers to my questions. I 've NEVER, EVER had a credit card or bank account for less than a year from opening. I 'm usually the type that rolls with the punches but  Wells Fargo  was really good at driving me away.
I have called several times and left messages but no return calls. Was not notified about this debt and not sure if mine.
I have a HELOC with PNC Bank with a variable rate adjustable monthly. The line of credit is closed. I had filed for personal bankrupcy about 7 years ago and did not reaffirm this loan, but, PNC Bank has been issuing monthly statements and I have been making monthly payments on this loan for the past 10 years. The monthly payment amount changes due to the variable interest rate. 

PNC Bank has not issued a loan statement to me for the past 2 months. They have advised me that they have decided to discontinue issuing statements on HELOCs. They have informed me that they have no obligation, legal or otherwise, to issue statements to me on this loan. They will not allow me online access to the loan information since I do not have any other accounts with PNC. 

They can not tell me how I am supposed to make payments on this loan, or how much is owed monthly. I believe that PNC is violating their legal obligation to provide a monthly statement on this loan in an attempt to force me to refinance this loan because they no longer want to provide the favorable interest rate on the loan.
I was denied a savings account per email they had sent to me as of X/XX/2017 at my XXXX. 

They denied me a savings account they said due to not being able to verify my identity. The questions except for one pertained to me. The questions asked to verify me had nothing to do with me personally and were mortgage or debts or loan questions pertaining to my deceased relatives. 

I feel the questions were unfair as they had nothing to do with me and thus was denied a savings account with FNBO XXXX.
We currently have an FHA loan & after 5 years, we are eligible by law to drop our Private Mortgage Insurance ( PMI ) if our debt to equity is below ~78-80 %. Nationstar Mortgage is denying us, because they are claiming it is based on the original loan value. However, in their letters they stated that it 's either the loan value OR current market value. I tried tirelessly to a contact a representative at Nationstar Mortgage to get an appraisal done ( at my expense ), but I am getting runarounds and other excuses as to why I am not able to get this process completed. They are insisting that I refinance my mortgage in order for this to occur. Over a year ago, I was able to contact a representative and he explained the process that was needed to be done. However, I was n't eligible by law because I did n't hit the 5 year time frame. Now that the value of my house is well above $ XXXX ( rough estimate to meet the % requirements ), it is now time for the PMI to be removed indefinitely, with a credit back to me from Nationstar Mortgage for not working quickly with me to resolve this.
On XX/XX/2018 I sent in a dispute letter to Experian asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.
My family and I have lived in XXXX county all of our lives, and I purchase my home, planning to stay here my retirement years. Like you I actively participate in my local community, by volunteering my time at our local hospital, school and homeless shelters, But now I 'm the one needing help, I face losing my home to foreclosure and may end up on the streets. I am a good citizen and hard worker that has fallen on hard times. My loan servicer, Bank of America closed the door on communication when I tried to get assistance on my mortgage. I was completely shut down while I was making my trial payments. I am now in a situation where I am holding on to my home by a thread, when all it would have taken was a little bit of effort on the part of Bank of America to provide me access to available assistance programs for homeowners. It has been a very difficult time for me as I struggled to get back on my feet financially and attempt to save my home. 
I 'm a victim of the mortgage dot-com bubble burst, housing market crash. I began struggling financially and took a toll on my health. I was laid off from work, and during this time my oldest son and nephew moved out. I was diagnosed with XXXX and XXXX XXXX. I 'm under treatment and medications. 
As the mortgage Industry collapsed, the work slowed and then stopped in 2008. I was laid off, collected unemployment. After my UE benefits exhausted, I had to take other jobs that were stable, but paid less than I was use to making and could not keep up with my mortgage payments.I reached out to Bank of America for assistance ; I was wrongly advised by Bank of America representative by recommending I fall behind 90 days or more in order to be reviewed for help. They review and qualified me for a loan modification options. I made my payments for 5 months, and due to the improper communication, Bank of America disqualified me and pull me out of the program. My loan should have been review for a permanent loan modification or retention options after the third payment. 

Bank of America has refused to work with me on my loan and I feel that I need my issue elevated to an executive level. I have been able to speak with above the line staff level and I was hoping your office could intervene and get me someone who could take my matter seriously and speak on my level. I should have never had to go through the difficulties they put me through and it looks like they got about XXXX to help homeowners. It appears that my loan qualified for government modification programs when I reached out to them in the past. Now they are trying to take my home away through foreclosure. It 's their fault that I am so far down the road and behind on my payments because they should have helped me years ago.
This contract was cancelled and the car was paid off based on the XXXX rate. They received XXXX.This is being reported as a loss. This was not a loss and they're trying to get paid twice for a car that that has been sold. Attached are the last payment paid, before the car was sold.
It 's a XXXX XXXX charge off from XXXX, two accounts deragortory status They where charged off by XXXX XXXX and today on equifax they show as a current charge off XXXX. This was changed when I asked to be r moved XXXX continues to report as the last and this monthXX/XX/XXXXas a charge off date. Every one at equifax is XXXX or XXXX call centers. 
When they see that XXXX was the charge off date and do n't know what to do, I have disputed this and XXXX comes right back with fraudulent statements Please remove I agree it 's a charge off from XXXX soon to drop on credit reportXX/XX/XXXX. I need this correcte d no one will
Account was paid ; however, tradeline have n't been removed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX according to our agreement.
I recently signed up for credit mointoring on Experian 's website and noticed erroneous account on my report. Following this discovery I sent Experian correspondence dated XX/XX/2015 ( see attacehed dispute letter ), alerting them of the frivolous information and requesting an investigation. I also sent Experian a copy of my driver 's license, SSN card and recent utility bill. To my bewilderment, Experian responded back with a notice stating they received a " suspicious request for investigation '' ( see attached response ) and claimed the person that sent this dispute was not me and hence Experian refused to investigate the frivolous items. 
This issue made me refer the matter to my legal council, who assured me that Experian is required by the Fair Credit Reporting Act to maintain accurate report information and is duly responsible to investigate any questionable items, which in this case they have blatantly refused to do so. Ironically, XXXX of the collection companies reporting on Experian that I called by phone, XXXX and XXXX were able to withdraw the accounts from Experian by acting unilaterally. 
Once again, the items I detailed need to be rectified or I shall have no choice but to pursue this matter using judicial means.
I discharged a debt for XXXX XXXX through bankruptcy as a result of identity theft. The debt was charged off and the bankruptcy was dismissed. I am assuming Portfolio Recovery has purchased this debt and is attempting to collect. They have harassed my continuously via phone, email and as of yesterday not my place of employment. I have contacted them via mail to let them know this is not my debt and they still continually harass me. My work is off limits. I work in a hospital and am unable to receive calls and now they are robo calling the nurses line. I do not want to speak with them directly because they do not listen. I need help to stop this unwanted harassment.
Money ( {$3500.00} ) was transferred from my BOA account into my daughters account without my authorization. I was an overseer of her account and she had no access to my account or permission use my account in any manner.The money was then taken out of 5 different ATMS in AZ. I filed a fraud claim with BOA and it was denied. I called them back and they since have reopened this case but will not give me a time frame to get my money back. This is wire fraud. They told me the device used was her phone.
I received notification from monitoring my credit reports that Transunion placed inquires on my Transunion credit report without my authorization. TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, and put them back on. I 'm also a victim of the error. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
We went into XXXX XXXX in XXXX to talk about trading in our vehicle in XXXX. We ended up with a XXXX Nissan Sentra. I looked at the sticker price and the dealer said " do n't even look at that amount because that is n't what you are going to pay ''. ( the XXXX 's were out and they wanted to get rid of this vehicle ). We did pay the total sticker price and anything else they could add on. We spent from first thing in the morning until late afternoon listening about things not even pertaining to the sell of the car that we did n't know if we were coming or going. We were also talked into things we did not want ie ... VSC and GAP that we thought we were signing a decline for. The dealer also said that they would pay the full payoff of our trade-in and not worry about it. ( he did n't lie, it was just tacked onto the new car ). We should have looked at the contract better but by the time we left the place we were so tired of being there we just left. Later, we looked at the contract and they had added over {$4000.00} to the new car for the amount we were supposedly over/under on the trade-in and they also added the VSC and GAP that we did n't want. We went to speak with them in XXXX, XXXX and even had the owner in the office and they faxed a cancellation of the VSC and the GAP and gave us the confirmation copy showing the refund amount that would be taken from the payment of the new car. It is now XXXX, XXXX and have not seen any changes to our statements that they reimbursed this money so I faxed the copy we had again and said it was a duplicate and stated we still have not seen anything. We heard nothing. We called XXXX XXXX, XXXX and they told us that the department that takes care of the VSC and GAP did not receive any paperwork to do this. ( I have the confirmation number and the " OK '' results that it was received back in XXXX XXXX and I also faxed it a second time!! ). 
Update : The above was sent to the XXXX and XXXX Nissan of XXXX issued a check and supposedly sent it to Nissan Motor Acceptance Corporation. NMAC says they have not received a check from them even though XXXX Nissan of XXXX sent us a copy of the check saying they did and that Nissan Corporation cashed it on XXXX XXXX. Neither company will talk to each other about this missing check and when my husband and I talk to either of them they both refer us to call the other on the matter or will not return our calls. This has been ongoing with XXXX Nissan of XXXX since XXXX XXXX, XXXX. 
Again, it is our fault for not following closely to what was being done but we do know that we will NEVER deal with this company again.
On XXXX/XXXX/16, I received a letter from Penn Credit Corp stating that this was a debt collection for a deposit of {$1500.00} made to my bank account by " Checks by Phone ''. I have never even heard of " Checks by Phone '', and have most certainly never received any kind of deposit from them. The letter was dated XXXX/XXXX/16, but the supposed deposit was dated XXXX/XXXX/16 - that is n't even possible. When I searched for Penn Credit ( aka Penncredit ), I found pages of complaints from other consumers. This is a completely fictitious, fabricated " debt ''.
Inquiry XXXX I received a promotional offer to open a Citi Priority bank account and after 2 criterion had been met would receive XXXX Thank You points. I have a credit account with Citibank and the two requirements ( spending {$750.00} and setting up 2 months of autopay for a bill within 60 days ) seemed easy to meet so I decided to give it a try and move a small amount of funds to open an account. From day one there were problems -- first, my opening deposit received an error message online so I called in to make sure it wasn't processed. The customer rep told me they were sure it had not been and that I could try again. When I made a second attempt that seemed to work, I shortly after ( the next day ) received a notice from my bank that there were 2 transactions initiated. I attempted to cancel one and somehow this disrupted Citibank 's delicate and outdated system and caused my account to have a negative balance before I had even had it functioning for two days! I waited almost a week for this to be cleared up. I then changed an autopay of mine to come out of my new city account. At the end of the first month the bill came out and I had spent the {$750.00} required. I called customer service to confirm this and they told me that they could not confirm I had met the requirements but informed me that it was not as simple as setting up and auto pay " you have to add payees ''. Let me point out very strongly this was NOT what the promotional card said. It did not explain the " setting up payees '' is what is required to meet the autopay requirement. At this point I knew that Citibank would attempt not to award the Thank You points I had earned. I set up my aforementioned autopay as a " payee '' and designated that {$100.00} be paid monthly -- this setup was done WELL within the two months. If conversations are recorded then Citibank has evidence of all this via my conversations with the customer service representative. I opened an inquiry about a week ago in my local branch regarding this and received a letter from Citibank dated XX/XX/28 stating that I did not meet their very cleverly vague " bill pay '' requirements. I did meet these requirements even though I had to do my own digging and clarify the promotional card with the representative to do so. I insist on being awarded my Thank You points in entirety. I am extremely thankful I did not transfer more than a tiny amount of my funds and assets to Citibank 's care, as I see they are very dishonest. I will make sure my dealings with their " promotions '' are seen on social media and I will most definitely warn all of my acquaintances both business and otherwise of how I was scammed by Citibank.