WillisBack/dataset-financial-user-claim huggingface dataset:
I called in onXX/XX/XXXXto report the Natural Disaster happening on XX/XX/XXXX that burnt down my warehouse and my Manager 's home. This was in the midst of Quarter 4 as I own a XXXX Company and went through Financial Difficulties as a result.

The supervisor representative agreed to remove : XX/XX/XXXXInterest Charge {$310.00} XX/XX/XXXX Interest Charge {$210.00} XX/XX/XXXX Interest Charge {$130.00} XX/XX/XXXXInterest Charge {$320.00} I called back on XX/XX/XXXXto confirm the removal and they stated 1. American Express has no records of the call 2. They won't remove the charges due to it not falling under Natural Disaster conditions 3. They stated address is not on file for that location but the problem is that I have many addresses and only giving them my mailing address.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX ( XXXX XXXX : MEDICAL ) XXXX
I received a copy of my Employment Date Report and on the report it stated that I had been an employee of XXXX XXXX, XXXX in XXXX, PA in 2013. I am from XXXX, CA and was attending XXXX XXXX University, XXXX during that time. I have never lived nor worked in Philadelphia.
I checked debt collector on this because this is what this company represents them selves as. I am writing abo ut Select Portfolio Servicing LLC. I was given a payoff plan to payback an amount I owe in arrears on my mortgage by Select Portfolio Servicing. It is a plan of 12 paym ents of  XXXX  dollars with a balloon payment at the end of  XXXX .  <P/> On the  XX/XX/XXXX  they received a dispute letter from me as to the amount owed as well as a request for the breakdown of all the numbers. I wanted to be clear as to how they came to these amounts before I pay them.  <P/> I called today to check on it. The payment plan was to start on the  XX/XX/XXXX  with the first payment of  XXXX . I have not heard anything about my dispute letter or my request yet. The first thing they tell me is that my account has been referred to a lawyer. It 's not even past the expiration date of the agreement yet. So why are we referring things to a lawyer. Also I have n't gotten an answer as to my dispute on the debt yet and it 's almos t 30 bus iness days since the request.  <P/> This company seems very intent on foreclosing on me rather than working with me. I have much distrust in their accounting due to having dealt with them on this issue for over 8 years. I have many times requested that we do a Principle reduction on the amount owed but they tell me they ca n't. Companies like them received   XXXX   of dollars during the housing crisis to do exactly that and they refuse to help. Claiming the investors in the trust would not approve that kind of action. I am not even sure if they can legally collect on my trust seeing as though they give me no direct connections as to who makes the actual decisions. It 's all very shady.  <P/> I have  also may times asked for them to send me a copy of the Pooling and Servicing agre ement that they have to service this loan, it is public record, they refuse to send me a copy.  <P/> So I would like to see the breakdown on this Agreement that they have sent me. I want to know how much goes to fees, what those fees are, how much goes to principle and what would be the remaining amount of the mortgage will be after this plan has been completed. I need all that in writing before I would even feel comfortable paying this.
I am on an Income-Driven Repayment Program and enrolled in the Public-Service Loan Forgiveness Program. My recertification forms were received by FedLoan on XXXX XXXX XXXX. It is now XXXX XXXX. I have had mulitiple phone calls with FedLoan about the status of this request. I have been told, since the beginning of XXXX, that I was waiting for a statement that would charge me {$5.00} for each loan and would let my loan move into the next phase of review and a new payment would be determined. Most recently, I was told this request to send me the {$5.00} statement was made on XXXX XXXX. Starting in XXXX my IBR payments expired and I made payments on some of my loans that was more than I could afford. Now my loans are in forbearance for XXXX and XXXX. I have received from FedLoan notification of my forbearance being approved and an interest notice on XXXX, a bill for XXXX on XXXX XXXX. Still no {$5.00} statement to get my IBR payment finalized. This is costing me eligible months of payments for the PSLF program. Now this morning, XXXX XXXX, I have received an email that my application for IDR has expired. I need help. My interest capitalized on loans I ca n't afford and now months are being tacked onto my PSLF program when I should be making eligible payments now.
XXXX XXXX ( Walmart Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX responded with a document showing that they NEVER received payment from me since XX/XX/XXXX ( please see attached document showing them saying I never paid ). 
I have made payments to Walmart in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( Please see attached documentation as proof ). 
Furthermore, the noted on my credit reports that the account was closed in XX/XX/XXXX, when the account was closed in XXXX.
Im writing this evening about an account that was removed by Equifax but Equifax is still reporting the account from XXXX smartconnect. I will attach documents to show my proof also the account was deleted from XXXX and I would appreciate it if it was removed from XXXX as well. I also have a hard inquiry on my Equifax credit report that has been deleted from XXXX XXXX but its still being reported here is the document for that information. Equifax is putting the wrong city on my credit report my city is not XXXX XXXX   its XXXX please correct this as well.
See attached settlement letter .... Yet this Collections Account is shown on my credit bureaus for debt owed to XXXX XXXX XXXX although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.
This complaint was previously filed un der Case No .  XXXX  and I have tried numerous times before that to get Bank of America to correct their records.     I continue to receive confidential information from Bank of America f or one of thei r customers.     I am NOT a Bank of America customer.   I DO NOT KNOW that customer.     Bank of America, in a letter to me dated  XXXX / XXXX / XXXX   XXXX  attached ), and in response to the ab ove Case No. replied, " Our records do not reflect you as an owner or authorized user on the account  referenced ... '' Exactly my point. So, why do you keep sending me information about that account of which I am not an owner??     Today,  XXXX   XXXX ,  XXXX , I received the following email from Bank of Ame rica ( origi nal message attached ) : " Dear  XXXX   XXXX  : The authorization code you requested is listed below.   Authorization code: XXXX  Please note that this code is temporary. If you try entering the authorization code and it has expired, you 'll need to request a  new one. . .. '' Why is Bank of America incapable of contacting their customer and finding out what the correct email address for this account is?     Instead, the Bank keeps divulging confidential information to me, who, as they correctly state, is neither an owner nor authorized user.
I was purchasing XXXX 's XXXX tickets from a person on XXXX. I was on the phone with him and he fraudulent told me he would place the tickets in my XXXX account, he never followed thru with the tickets and I paid them thru XXXX. I am upset because I contacted Wells Fargo thru email/phone to follow up on their end since the transfer deposited it in a Wells Fargo Account. Wells Fargo was unable to give me any information for this person. I wanted to follow up with my local police since fraud was the intent. I can not believe in this day and age that we can not trace this transaction. I have been a Wells Fargo customer for over 25 years and I am extremely upset that this fraud happened to me. I am looking for reimbursement of {$320.00}, because I believe that Wells Fargo should stand by their customers to help that this matter does not happen over and over again to other devoted customers. I followed up with XXXX thru email and only got a response that someone would contact me, and they never called me. I can not believe that this can happen thru XXXX with no repercussions for the person being fraudulent. Please help me in this serious matter. 

____________________________________________________________ XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX {$320.00} Details Category : Other Outgoing Transfers ____New recipient added You added XXXX as a new XXXX recipient and can now send them money or requests for money. The email address, XXXX, will be used to notify this recipient of any money or requests you send them. 
To receive money or requests, XXXX must be enrolled in XXXX and have added this email address to their profile settings. 

Transactions typically occur in minutes between registered XXXX users. If your recipient is not yet registered with XXXX, the payment is typically delivered within minutes after the recipient completes registration. 

XXXX and the XXXX related marks are wholly owned by XXXX XXXX XXXX XXXX XXXX and are used herein under license. 
XXXX XXXX XXXX XXXX All Rights Reserved XXXX Dear XXXX XXXX XXXX Thank you for contacting XXXX XXXX Support. 
We will get back to you within 2 business days. 
For future reference your case number is : XXXX Regards, XXXX Consumer Support XXXX XXXX XXXX XXXX XXXX XXXX. All rights reserved
Since XXXX 2016 I have had trouble with posting payments to my account. I have made all payments within payment time and they have not posted when made I have never been late on any payments. I followed all Citizens procedures and contacted Citizens Bank the last 5 months at least 70+ times on a recorded line. I also was told not to make payments and still made all on time, They said their software was not capable to handle my Home equity mortgage payment. we were reported to credit bureau which caused our credit score to drop from XXXX,XXXX,XXXX, to XXXX to XXXX They have agreed to fix this for me because of their mistake but I have heard this for the last 4 months We want our Credit Scores fixed with XXXX credit bureau asap, I have had credit scores around XXXX my whole life and have never been late on anything. Please help us with this issue Thank you very much XXXX
My lender being SPS and my Investor being XXXX Bank refuse to assist me in keeping my home today. I have applied many times with what income i have between me and my wife and both the lender and the investor want to blame one or the other. The investor tells my lender for the reason to deny is cause it is a " business decision ''. This is NOT in any means a way to let a homeowner loose there home based on a " business decision ''. Per my lender on there website they have you enter your loan # and they let you know what form is needed and for my loan # was only a 2 page form and no other documents are requested, just these 2 pages of request for mortgage assistance forms. 
When i sent these forms per there request they will not even open my file to review it for nothing. I have and had a very strong hardship for the reasons i came delinquent. I can prove the hardship if needed but im never get this far with SPS. They just deny the file with no review at all.
We recently paid off our mortgage. We received a letter from our servicer, Seterus, saying our final payment exceeded what was due and that we were entitled to a refund of {$530.00}. We also had money held by Seterus in escrow for taxes, although we never received a breakdown on those figures. We later received a check unaccompanied by any explanation of whether the check consists of the escrow and the overpayment or just the escrow. We have called and have been told that the payment includes the escrow and the overpayment, but have not been given any breakdown that explains how much was in escrow and how much was returned as an overpayment. We have asked for such a breakdown and been told we will not get one unless we write Seterus. In short, we can not ask for the breakdown explaining how the refund was calculated without a written letter.,
XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 from XXXX XXXX XXXX. already put dispute case with Bank of America and email and called merchant before even working with thr bank for dispute chargeback might get reversed. Already have a repayment plan agreemrnt directly with XXXX my student loan server with Department of Education. Was told to notify my bank of scam activity. Which I did open dispute claim.
I have been a customer of Citi bank for years, so I was very surprised when I received notice that my credit limit had been cut in half ; especially given I had never missed a payment with them. After calling the number provided, I was told that the reason for this was that another credit card I have from XXXX XXXX XXXX reported I had a late payment the previous month. So as any concerned responsible consumer I called XXXX to ascertain why this information had been reported ; after a week of back, an forth it was found that this reporting was done in error. So XXXX sent the paperwork to all XXXX bureaus to have this removed as of XX/XX/XXXX, but when I called Citi they said that they could not see this ; despite even being told I have a letter from XXXX that states it was an error, and the information was requested to be removed. I was then told by a supervisor that they would monitor/look for the update, and would then submit a reinstatement when they could see it. So this week, as of XX/XX/XXXX, I got the XXXX credit report ( which is what Citi stated is the only they use ), and found no erroneous data. In calling back to Citi they now are stating that they still can not reinstate my limits due to paid/closed accounts from XX/XX/XXXX ; which were there when they approved my card initially, and subsequently increased the limits in XX/XX/XXXX. I stated that made no sense, as they would have denied me the card initially, and definitely the increase last year. They stated that the department they work in did not make those decisions, and could not comment on why, and stated there was no one I could speak to further on the matter. I find this to be unacceptable, as this was all the result of a mistake not made by myself, nor had I any missed payments with them ; or any other company for that matter. This has caused a XXXX point drop in my credit score due to what the utilization now states, which gives that appearance that I am not a good risk/customer to do business with. I have listed my desired outcome below ; in the event this is not resolved I feel my only recourse is to seek out legal action against such business practices.
On XX/XX/XXXX I made an international transfer on line at bank of America as i have in the past. The funds were for a reservation at a vacation resort for myself and my family. Despite the fact that if I check on the bank website the transfer is completed, the funds were never received. 
Attempts tocall the bank at the number indicated were unsuccessful.
My mortgage is in active foreclosure. With the assistance of my attorney I applied for a loan modification. After submitting all of the documents requested the application was denied for insufficient income. The income that they used to review the loan was incorrect. They calculated the gross monthly income to be XXXX. We appealed the decision and enclosed proof that the monthly income was actually XXXX per month, not XXXX. The application was immediately denied again simply stating that they are standing behind the original decision.
On XX/XX/XXXX, I submitted a ticket to Coinbase. The company has a vault feature where they will hold funds until two separate email addresses approve the withdrawal into the normal fund account. I submitted a ticket because my secondary email address was not receiving the email to approve the transaction. I've called twice while waiting over an hour to get a human response on both occasions telling me they couldn't do anything. The tickets that I have on file continue to be updated with the generic/robot answer saying they are working on it. It has been one month that I have had to sit idly by and not be able to touch my funds. The company is absolutely inept and incapable of fixing even the most simplistic tasks, while also continuing to take on millions of customers they can not provide customer support to. I have not had access to my money/crypto-currency for over a month. They refuse to reset my account in any way shape or form and I need access to my money they are holding XXXX. I am at my wits end with having zero customer service and month long waits on having a simple account reset.
i just checked into my credit and i have past medical bills due to a  XXXX  and all the bills where payed in full and now i have bills in collections and the baby was an   XXXX   so all the medical bills where addressed with final paper work 6 months after the   XXXX   there should n't be any past medical exps the attorneys had it all payed and shut
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I notified the credit reporting agency that I was a victim of Identity theft and that the account listed on my credit report under public records for a dismissed bankruptcy was inaccurate and incorrect. I sent the credit reporting agency letters from both my tax collector office and the Bankruptcy court the creditor is stating validated this information as proof that this public record was incorrect, inaccurate and should not be on my credit file and the credit reporting agency has refused to furnish information on how they are validating this debt and remove this inaccurate and incorrect information from my credit report. I am now in emotional distress and losing job opportunities due to this inaccurate and incorrect information on my credit report. I did not file a bankruptcy and it does not belong to me.
On XX/XX/XXXX I was told by Tower Loan that I could refinance my loan, giving me back $XXXX cash in my pocket and that would bring my loan current (for XXXX and XXXX payments)- therefore I had the money to spend on other bills. I was told I had to come in the office to sign the necessary paperwork. Once I got there, I was told that was not an option and that I needed to make my payment THAT DAY. I asked if the refinance option offered to me was a way to lure me into the office to get me to try to pay and they said, unfortunately, yes and we do apologize. I left the office. This took time away from my work schedule, and I clearly could have made the payment over the phone IF I had the funds available to me, which I did not!
 I have since made my XXXX payment and as of XX/XX/XXXX I owe my XXXX payment of $XXXX. I told them I would pay this over the phone on XX/XX/XXXX and they agreed that was ok. AFTER I made this payment arrangement, a different employee called me 5 minutes later asking for payment. I told this person I JUST spoke to someone in their office and set up a promise to pay, they apologized and hung up. This is a small office (5-6 employees total, maybe). On XX/XX/XXXX, they called me at XXXX, left a voicemail, again at XXXX and again at XXXX. This is 3 times in less than one hour. On the 3rd phone call, I answered, WHILE DRIVING, which is distracting and explained to them I had told them I was already set up to pay on XX/XX/XXXX and he said if I did not pay today (XX/XX/XXXX) they would increase my monthly payments by $XXXX and report me to the credit bureaus. This is harassing to me, they have lied on numerous occasions and I do not feel they should be able to contact me 3 times in 40 minutes.
PLEASE KEEP ALL MY SEPARATE COMPLAINTS SEPARATE. 
BREACH OF CONTRACT ( RESPONSE ) Sunday, XXXX XXXX, XXXX XXXX XXXX 1 I am really disgusted with the lack of customer service at Nationstar. It still seems to be the same run around. I do n't need information out of your book on dead line dates and what needs to be done after that. I need to know why after 3 different times of me sending in the application for the loan mod, hardship affidavit, dodd frank and the XXXX. How you can tell me that it was expired.? 
2 Why would the letter received as your response say, '' However, the application never got to the approval status as a complete package was never received. No documents were received after XXXX XXXX XXXX? SEE EXHIBIT XXXX 3 Was there a request for something? 
4 Solar energy profit and loss? That was never requested. SEE EXHIBIT XXXX 5 The letter states that it was closed due to an incomplete package. " Unfortunately, a denial letter was not generated due to a processing error, at the time the denial occurred for the following reason. '' 6 The truth be told, the reasoning for the closing of my home loan mod request was in fact due to the emotional and mental beat down that Nationstars SPOC stomped me in the mud I filed BK due to the fact that : XXXX XXXX informed me on XXXX XXXX XXXX that he did n't have enough time to get into underwriting. 
7 WHY? Would XXXX email me on the XXXX XXXX XXXX and tell me that he has escalated it to underwriting? XXXX XXXX XXXX tell me that he did n't have enough time to do so? XXXX XXXX XXXX was the AUCTION DATE FOR MY HOME TO BE SOLD OUT FROM UNDERNEATH ME! 
8 I am not sure what it is called. But I know there is some kind of time line of all documented movement on my file. I am requesting to see it. I want to see all documented HELP that was give to me. 
9 For the second review? Nationstar claims that it was opened in error. " Initiated on XXXX XXXX XXXX. This review was closed on XXXX XXXX XXXX, with the close reason of the review being opened in error due to the loan being paid in full on XXXX XXXX XXXX, no denial letters are sent for reviews that are closed due to being opened in error. ****DUE THE MATH ON THE HIIGHLIGHTED AREA*** *********NEED I SAY MORE?????????? /********** 10 # XXXX Is a COMPLETE LIE XXXX The letters " SPOC '' I never received XXXX of the letters.
SLS is attempting to extort me of additional fees ( Escrow/Impound Advance Balance, ) if I choose to payoff the loan ( see attached payoff statement ) .that was sold by XXXX to SLS unbeknownst to me until Monday XXXX XXXX, 2015. Attached is the purposely bogus erroneous welcome letter that I NEVER received from SLS due to their ineptness and incorrect mailing address on it. In making the purchase they should have gotten my mailing address correct and properly address me as a NEW client!!! with all this unknowingly to me taking place, they have pretended to claim that I was paying taxes, and insurance through a impound account with XXXX which I was NOT. attached are the last XXXX monthly payments that I paid to XXXX on the mortgage that SLS bought, and NOT XXXX of them included ANY impound account for taxes, and insurance.