WillisBack/dataset-financial-user-claim huggingface dataset:
I, like many other servicemembers, applied for the Barclay Mastercard goldcard under the assumption that all fees would be waived and 0 % interest as long as I remain on XXXX XXXX. When I applied for the card and was approved around XX/XX/XXXX, I was promised by multiple customer service reps that I did in fact qualify for 0 % interest and ALL fees would be waived. I then recieved a letter stating that they would no longer waive the annual fee and that I would be billed {$990.00} in XX/XX/XXXX. I have attempted to work out a solution with Barclay. They wo n't even allow me to downgrade the card because the account is new. I would n't have applied at all if I knew they would change their policy without grandfathering previous cardholders.
Kohn Law Firm and XXXX XXXX are debt collectors who are attempting to collect a false debt against the consumer. Kohns have been served a Notice of Dispute and failed to comply with any of the FDCPA mandates. ( see, attached )
XXXX. In XX/XX/ I notice that someone had done several withdrawals from my checking account funds were missing I call to make a compliant spoke to XXXX from chase bank in XXXX then received a letter that no errors had occurred I request that my funds be restored ... thank you. Date XXXX ... XXXX XXXX XXXX
I am submitting this complaint as to why i can not open up a bank account anywhere and why my account was closed. I was a victim of identity theft that i reported once all my personal information and files with my important confidential info was stolen by a supposedly 'trusted ' individual. It really corrupted the credit i was building for myself and it got even worse when i started getting denied access to my own funds, accounts began to close and now i stuck without a bank account in my name. I really need to know how to make this all go away. I am just a XXXX working to pay my bills and the support system that i thought i had whom i had also entrusted scammed me and went MIA, and left me in a bad position with proceeding in my life financially.
Called outside of the XXXX and XXXX Threatened jail and warrants for my arrest regarding debt Discussed details of my account with others ( that were listed on loan application ) without my authorization Discussed details of my account with others ( that were not associated with me or listed on my loan application ) Left threatening details on voicemail with contacts on my loan application
In XX/XX/2018 The Company executed the foreclosure on the DEED AND TRUST of my late father 's home. 
I have reason to believe that the company did not have possession of the NOTE to enforce the foreclosure on the DEED AND TRUST. 


The home was foreclosed on and I am still searching for the NOTE.
We have a XXXX XXXX loan with SLS and have been trying to modify for almost a year. They keep telling us everything is in and under review, we then receive a letter saying paperwork did n't get in on time or something else is needed. We constantly get contradicting information. 

The loan was handed off to an attorney for foreclosure ; however, the file was not moving forward. I would check weekly and continue to feed information over and over again to SLS. 

A man showed up at my door to buy my property. I was shocked, so he handed me the paper and my property was listed to be foreclosed on XXXX XXXX, 2016. I had received no notices of this. I immediately called the lawyer and was told that notifying me slipped through the cracks. 

I received a certified letter four days after calling the attorney 's office. 

We qualify for a modification according to my research and we have the money to make the payments since my husband is now employed back in his field. 

We cant even get reviewed for alterantives, SLS just wants to take our property which has about {$900000.00} in equity. 

This is our lifes work, we are in our XXXX and this is our XXXX. 

I do n't know who to trust.
On or about XXXX XXXX, XXXX, I entered into a 30-year mortgage agreement with CHASE for my primary residence. In XXXX XXXX, my application for a mortgage modification agreement was accepted by CHASE, and I made three ( 3 ) subsequent trial mortgage payments to CHASE. After successfully completing the trial payment process, CHASE sent me a letter which stated that I was approved for a permanent mortgage modification. Chase also sent me the permanent mortgage modification agreement to review, sign and return to them. Upon review of said agreement, I discovered discrepancies contained within it as to the terms of repayment. I contacted CHASE and spoke with a representative and informed them of said discrepancies and the representative agreed that there were indeed discrepancies contained within stated agreement and advised me not to sign it. I contacted CHASE on numerous occasions via telephone and certified mail to request that a " corrected '' agreement be sent to me, so that I could sign it and begin repaying my mortgage. CHASE ignored my several requests for a " corrected '' agreement repeatedly over several months, and actually sent me a letter declaring that I did not qualify for stated mortgage modification, months after initially approving me for it and accepting my three ( 3 ) monthly trial payments. This matter has been an issue in my open Chapter XXXX bankruptcy case, in the U.S. Bankruptcy Court XXXX of Indiana. 
CHASE never addressed my request for a " corrected '' mortgage modification agreement, and sent me notification that they had transferred my mortgage to another mortgage servicer.
RE : Case number : XXXX NOTE : See attached hazard insurance payments ( 2 ) from XXXX. 
The attached PDF file with the cancelled checks from the hazard insurance company shows that there were two payments to XXXX XXXX XXXX to completely pay the insurance in full. The annual premium was {$1900.00}. XXXX XXXX received the first payment on XXXX/XXXX/XXXX in the amount of {$1300.00}, and the second payment received on XXXX/XXXX/XXXX in the amount of {$550.00} totaling {$1900.00}. The mortgage was sold from XXXX XXXX to Loan Care on XXXX XXXX, XXXX several months after the Hazard insurance was paid in full and all monthly statements and final escrow statements from XXXX for the XXXX transition was paid in full and in good standing. 

Loan Care 's response to case number XXXX dated XXXX XXXX XXXX obviously did not review their own documents they attached to the response of the original complaint. The transition documents from the seller ( XXXX XXXX ) and the Buyer ( Loan Care ) shows there was no escrow shortage in the account and all escrow was paid and up to date. THERE WAS NO ADDITIONAL OR DUPLICATE PAYMENTS IN EXCESS OF THE PREMIUM AMOUNT AS THEY ARE STATING IN THEIR XXXX/XXXX/XXXX CFPB RESPONSE ( Case number : XXXX ). 

Within the last couple months, I unfortunately paid what was suppose to be the shortage with Loan Care on XXXX/XXXX/XXXX in the amount of {$460.00} that I want refunded to me as soon as possible.
I have parent plus loans. I have worked out payment arrangements with Navient and XXXX. Navient has all my current information but people I know have been receiving letters asking for my address, telephone number and employer information. The letters claim I used them as references when I did not. I contacted Navient about this but they can not explain why these letters were sent. As a result, I asked them only to contact me by mail. They call me day and night, practically every day when I have already made payment arrangements. I want the harassment to stop. I make the arranged payments on time each month. I do n't know what else to do. It 's an abuse to contact people I know about my debt when the company has my information. What is the motivation for this? Embarrassment? I always call Navient when requested. From now on, I only what to be contacted by mail. I told this to Navient but I do not expect this to happen.
The following inquiries were not authorized. I applied for 2 vehicles and the 2 banks that I gave my personal information to, forwarded my personal information to other banks without my consent. Since that time, my credit report has been run numerous times without my permission. And in cases where I did give permission, they ran it repeatedly without my permission. These false inquiries need to be removed from my credit report. They are all listed below : INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX/XXXX  XXXX XXXX XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX/XXXX XXXX
I received a notice from a Id protection company that a debt is showing my credit report. The charge is for a medical bill that is not mine. Columbia Collection Services are the ones with the debt. 
XXXX is the reps name XXXX
This debt was originally with XXXX. I disputed the debt with XXXX Credit services a year ago. Since then they removed the account after there 30 day investigation. Since then XXXX has sent the account to Southwest Credit Company which is a collection company. This company has reported it back on my credit again with there account number. I called this company on the phone and tried to explain that this account has been removed over a year ago
XXXX XXXX my XXXX XXXX deposited funds into my bank account and told me they would be ready in XXXX business days at my bank. All of the other students in my class received their funds as well already and I am the only one to not receive the funds. I called the bank SunTrust, everyday and e-mailed them and even contacted Headquarters to tell them that I was being denied the availability of my deposited funds. They never responded and every time I called customer service they kept asking how much it was and where it was coming from and they kept refusing to give me this information intentionally. It is the 6th day and the funds have not shown in my account and my school keeps confirming that it has been sent.
Sometime XX/XX/XXXX my wife applied for and was issued a credit card in her own name XXXX my name not associated ) from XXXX Bank XXXX perhaps their predecessor, XXXX XXXX. This was during the freewheeling credit period when banks were issuing credit cards to babies, names from tombstones and to family pets. Subsequent to the issuing of the card the account was sold many times to, among others, MBNA, XXXX XXXX, XXXX Bank, Bank of America, and ultimately FIA Card Services. At some time during all these sales someone interjected my name as XXXX the owners of the account. My wife subsequently filed bankruptcy against the debt. FIA Card Services is now attempting collect this debt from me. I have spoken to and written to FIA Card Services on a number of occasions explaining their error but they refuse to acknowledge the mistake. I have asked for any documentation they may have that would associate me with the account such as a credit app or my signature on any purchase receipt or any other documentation they may have. They have replied on more than XXXX occasion that they are " unable to locate the item ( s ) '' I have requested. Even though they have no valid reason to associate this debt with me FIA has reported this misinformation on my credit report and is now trying to extort money from me to satisfy this debt. 
FIA has admitted that they have no documentation to associate me with this debt and yet they continue to report this damaging information on my credit report.
I have no affiliation with XXXX XXXX XXXX XXXX. 
They have no signed debt with me.
Summary : Unable to access my accounts online as of XXXX at XXXX, through XXXX app, mobile website, or desktop website. 

On XXXX, I made a total of XXXX phone calls to Wells Fargo, XXXX to customer service XXXX, and XXXX to XXXX, which is supposed to be the online banking department. 
responses ranged from the automated system hanging up on me, to a supervisor hanging up on me after asking the same question repeatedly, even though I answered the question multiple times. 

I was able to determine that my accounts are active, but I am not able to access my accounts online.
EOS CCA states they reviewed collection account. They have not sent me in mail any true validation and contiue to state we are in agreement.They also continue to report on my XXXX credit reports. 

They state that they US ASSET MANAGEMENT INC are the original creditor in letter and XXXX are the current creditor at top of letter. 

And at middle of letter state ORIGINAL CREDITOR : XXXX with their address. 

I have no agreement or account level signiture with US ASSET MANAGEMENT INC or XXXX.
I 've sent this company multiple letters ( certified ) asking for proof of validation of this dept. they refuse to respond with actual proof the dates of the letters are below. 

XXXX the dates are as follows letter sent onXX/XX/XXXX received by them : at XXXX am onXX/XX/XXXX in XXXX, CA XXXX letter sent XX/XX/XXXX received by them : XXXX am on XX/XX/XXXX in XXXX, CA XXXX. 

letter sentXX/XX/XXXX received by them : XXXX am onXX/XX/XXXX in XXXX, CA XXXX. 

XX/XX/XXXX received by them : XXXX am onXX/XX/XXXX in XXXX, CA XXXX **** I have asked multiple times for proof ( signature validation ) this is my debt.. I 'm running out of patience on this. and am considering filing a civil suit next if this does not work.. I have no idea who these people are or why they are ignoring my requests but its getting old..
My XXXX account closed on XX/XX/XXXX is being reported as late despite a clear mistake on XXXX part, I have never submitted a late payment to them. I paid the last invoice as soon as I became aware that there is a balance due. After successfully disputing it with XXXX they retaliated by reporting it late to XXXX  and XXXX. 
I reached out to them on XX/XX/XXXX and they assured me that they'll update the account as paid on time. I then reached out again on XX/XX/XXXX and was assured that it was submitted. When the report wasn't updated I called back on XX/XX/XXXX and was told that it can not be done. After being told that a supervisor is not available I requested a call and received a call from XXXX on XX/XX/XXXX. He left his phone number where to call back. I tried calling that phone number several times but was unable to get through.
Dear Sir or Mis In XXXX I received a new Business credit card from Bank of America because my old card was do to expire in XX/XX/2017. I activate the new card but then stripped the new card by mistake when I call Bank of America they send I would receive a new card in two days. Three days I got a call from the compliance dept. stating they would have to pull my credit report before I could get a new card. I am a ID victim so requiring me to unlock my credit and take a hard it on my credit. On Bank of America web site I can see my credit score every time I log in. I have mortgage and a personal credit card with Bank of America. I was told if I lost my credit card or if it was damage there was no need to take hard hit on my credit score. 
My question is why is it necessary to take a hard hit to lower my credit score because I made a mistake with the new card
Nationstar mortgage has incorrectly calculated my correct payment for the coming year I received an escrow analysis dated XXXX/XXXX/16 that incorrectly estimated my payment On that analysis it shows the following : & gt ; After the loan was transferred to Nationstar, the starting escrow balance was {$2900.00} & gt ; In XXXX two payments for Borrower Paid MI were made One for {$170.00} and another for {$1900.00} & gt ; There was an estimated Borrower MI Payment shown projected to be made in XXXX and included in the analysis of {$2100.00}. 
& gt ; It was incorrect and should not have been included in the estimate and that Payment was never made. Further evidence of the error is that the Escrow Analysis from XXXX showed that the anticipated balance in the account would be a NEGATIVE ( {$1200.00} ) & gt ; The fact is that the account is Positive {$2000.00} or so ... shows that the second borrower MI payment was n't made. 
& gt ; Point in fact, there is no need for that payment to be made twice in one year .... 
As a result my payment has increased {$170.00} due to Nationstar mismanaging my account. I have lived in the home now for 10 plus years, the loan has changed hands a few times with no changes or problems like this. My home insurance has gone down XXXX and the property taxes have remained the same. After initiating this concern to Nationstar Mortgage back in XXXX, there has been no resolution to date despite many calls to customer service. 
There contact Information for complaints is as follows : XXXXXXXXXXXX thank you for your time in this matter. you can reach me via email at this address or cell phone at XXXX
Recently a collection agency has attempted to collect a debt from XXXX  that wasn't mine for the amount of {$1300.00}. the debt was later discharged and affidavit and police report was given to that last collection agency that this debt was sold to by XXXX and was resolved so i thought. I now received notice from another collection agency ICSystems Acct # XXXX for the same debt and amount. this account was file as a identity theft claim. report was made regarding my identity with the Federal Trade Commission report # XXXX and police reports was made with my local police department for victim deceptive practices. XXXX is threatening my financial future as well as IC Systems. to attempt to collect a debt twice regardless of the fact reports was made for identity theft is unfair and breaks multiple rule according to The Fair Credit Reporting Act.
Ditech financial continues to scam their customers. Recently, they raised my late fees from XXXX dollarsa few months ago to $ XXXX the last few months and now it is $ XXXX I just found out on their website. They have never notified me of the increasing late fees. They increase the late fees at will, in order to make you appear to be behind on a payment or not have paid a " full payment '' so that they can put the payment in unapplied funds. How high will they be allowed to randomly increase late fees? It used to be that a late fee was part of the contract I signed with my mortgage company and enver increased. With Ditech though, they will increase the late fee significantly whenever they feel like it. They have harassed me with things of this nature ever since they took over my loan from XXXX XXXX XXXX. They are harassing me now because I filed bankruptcy and they want me to do a modification. I will not do a modification. I gave them one chance for that and they played games by refusing to send me a form I needed to fill out. They also can know that I will not do a modification that is more than 30 years and will not lower my interest rate. They are wasting paper. I do not believe they should be able to increase a late fee randomly like that without notifying me in writing. Nor should they be able to increase the late fee to make a payment amount incorrect. Also, they purposely scam people on their statements being inaccurate. Currently, they are unlawfully holding $ XXXX in unapplied funds because I was unaware my late fee went from $ XXXX to $ XXXX. Still, the $ XXXX is more than the $ XXXX and should be released. They constantly rip me off on my mortgage interest deduction by holding finds in unapplied funds, unlawfully. Please hold them accountable for violating the law. Also, they should not be allowed to raise late fees on a monthly basis. This is XXXX  and I hope Ditech company XXXX and XXXX XXXX XXXX XXXX XXXX where they belong. XXXX, Cheats, frauds. Also, I am supposed to speak with reps in the bankruptcy department. They are never there, nor do they ever return phone calls. I do not believe these reps are actual people. Many times their voice mailboxes do not work. I have not once ever received a call back from these people that I am REQUIRED to talk to. I highly suggest they get their XXXX in their office and on the phone if they are not fake identities.
Once payback of the loan started we attempted to pay more than the required amount. We asked that the extra amout be applied to principal and were told that was not possible but instead needed to first be put towards the interest and any amount remaining would then be put to the principal. The loan amount originally was greater than 40,000 . I am certain if the extra payments had gone to principal we would have paid significantly less interest.
Around XX/XX/2017 my checking account got frozen and they told me that it was fraudulent use but they seized all my money and close my account that was {$3300.00} I've been talking to the bank they've been treating me like I'm a lowlife talking to me like very disrespectful hurting my feelings and keep sending me a letter that I haven't took a picture of for you saying that they're working on it and it's it and it's been almost a year now
XXXX XXXX had contacted me prior to adding a collection account to my credit report. At that time I advised them that the account did not belong to me and was most likely due to losing my wallet some time ago. Since that conversation the debt that isnt mine has been added to my credit report and is reflecting negatively bringing my score down and making it impossible to obtain a mortgage for a house for my family. If I had the money to pay the balance off I would do so but dont believe it is fair since it doesnt belong to me and due to my own medical issues isnt feasible. I ask that XXXX XXXX please stop trying to collect on something that doesnt belong to me and stop making my life more difficult.
Direct Express says i am dead and suspended my Social security account. I  have been trying for over 2 weeks to get someone from direct express or social security to help me. I have called both DE and SS many times and have been to my local SS office 1 time so far, I plan to try again tomorrow. I am almost out of money and i really need some help.