WillisBack/dataset-financial-user-claim huggingface dataset:
After a rigorous application process and having told the lenders that we wanted our mortgage to be l {$1500.00} or less, we decided to not proceed with them on financing our home purchase. A very aggressive and intimidating man made many harassing calls to our home using different phone numbers attempting to pressure us. 
He resorted to making threats and boldly told us to work with him otherwise, he would sell and misuse our financial and personal information to tarnish our stellar credit reputation. This is a VERY SERIOUS and disturbing threat to hear from a mortgage lender. This is unethical, illegal and crime of moral turpitude
I called Sunwest Mortgage to see if I could pay my XXXX payment on XXXX XXXX. I 've never made a late payment in 2 years since I purchased the house. I wanted to make a payment arrangement to make sure my payment was made for XXXX ( since I 'm going through a divorce I have to pay rent, mortgage and child support now ). They were not at all compassionate about my situation. They said if they did n't get the principal by today, I would have a negative mark on my credit report, they would send an intent to foreclose, and I would have to make 2 XXXX payments. 
I think this is totally unfair. Again I have not missed a payment in 2 years. 
I 'm going through a financial hardship with my divorce. The " intent to foreclose '' is not true, the house is on the market and I do n't intend to miss any payments until it is sold.
In XXXX to my complain on CFPB website, " Rent Recovery Solutions '' mentioned that Copies of their client 's substantiating documents were sent to the complainant at his request on XXXX/XXXX/XXXX. On phone conversations just this week they clearly mentioned that no documents were sent to me. I am sure they have audio recordings of our conversation why dont they share the full unedited audio recordings with CFPB? 
Also if they sent me the documents I am sure they have the proof. I need the proof that they sent me any document
XXXX XXXX keeps calling my work and people that put down as references. The problem is they told me I have 10 days after the due date to make a payment. I didn't have enough to make the payment on the XX/XX/XXXX and just made the payment today XX/XX/XXXX. I don't appreciate them calling and harassing me at work or my references. The XX/XX/XXXX is technically the 10th day of the due date. If you go one day after the due date that is when they start calling you and it get irritating. This leads me no choice but to submit a Cease and Desist order through Consumer Complaints website to get this company to stop harassing me. There will be times when I can't pay on the due date, but will have it paid during the 10 day grace period.
Like XXXX days ago someone stole my citiprepaid card and they do several transactions without any sign or pin involved that is the first issue then they send me a VIRTUAL prepaid card so I can do transaction in internet I do like XXXX transactions and then the card the card stop working, ,I 'm a XXXX XXXX and they put our salary in this cards and there is not other choice is there or nothing alse so in order to use my money I need a fiscal card but because I 'm on vacations they can not give me only when I 'm on board, and city prepaid do n't have any office in XXXX the country that I live so I talk to a guy that tell me if was a corporate supervisor after explain to him all the situation and spend more than XXXX hours talking to a lot of persons he told me they ca n't do anything cause they do n't know what is the problem they say everything was right XXXX the card and if I want to do something I have to send the money by global deposit and I will have the money in 4 days is been already 8 days and my money is not in my account or the card account so I do n't even know where is my money and they again say I have to wait more than 14 days to see what is happening with my money I 'm on vacations and I need my money nowwwww is all o have is annoying that u ca n't use your money because the bank told u they ca n't do anything when they are the ones doing the transactions!!!! And also in their internet page there is a part where they put that would be 4 days to do the transaction!! So at the end they are lying to the people promising something and then when they do n't know what to do they just change the rules!!! I really need ur help cause they even say they are not a bank!! And what I know they bellow to citi bank I just need my money and I do n't want nothing to do whit them anymore for your help thank you.
The XXXX of XXXX for XXXX have no record of any documented debts owed by myself..
THE CREDITOR IS MISREPRESNTING THE DATE THEY LAST CONTACTED ME THE CREDITOR. I LAST HAD CONTACT WITH THIS CREDITOR IN LATE XXXX OR EARLY XXXX.
I filed a dispute with the credit bureau regarding many accounts that are reporting to my credit report that do not belong to me. 
The credit bureau has not provided proof of ownership and instead has provided false information to my credit report without proper documentation confirming the accounts.
I was solicited to open a consumer checking account ( The Citibank Account Package ) on XX/XX/2016 with a promise that I will be offered {$400.00} cash bonus, if I deposit {$15000.00} within XXXX days of opening the account ( Exibit # XXXX & XXXX ) I did open the account on the same day and deposited the required {$15000.00}. After opening the account, I double checked the offer terms and whether it was applicable to the newly opened account ( Exibit # XXXX ). Following the XXXX days as per the terms, I again contacted CitiBank to confirmed that my deposit of {$15000.00} qualified for the {$400.00} cash bonus XXXX Exhibit # XXXX & XXXX ). It has been more than XXXX days, I have not yet received the {$4000.00} cash bonus. Citi 's solicitation number # XXXX is outright misleading and I humbly request Citi to deliver on its promise.
Transunion lied and said that they investigated and seen that I was not affected by their error. In fact I was and I have proof. They took inquiries off and placed them back on my report without notifying me of such which is a major violation and a suit needs to be brought against them
I have tried fixing this with Transunion a few times and it doesn't seem to be fixed. I am a victim of Identity theft. I have not ever signed up for any Subscriptions to any clubs. I do not authorize XXXX XXXX to view my credit reports in anyway nor XXXX XXXX. They appear on my report under promotional inquiries and Club subscriptions, along with XXXX data on behalf of XXXX  and XXXX on behalf of rise. Please do not allow these companies to review my reports soft inquiries or not. I do not authorize XXXX nor XXXX XXXX to review my credit reports either these appear as soft inquiries. Additionally you allowed a Hard inquiry from XXXX XXXX `` XXXX '' to appear on my credit report. I did not authorize this please delete this hard inquiry. Thank you for taking the time to work and resolve the fraud that has occurred.
I have been approved for serveral trial modifications by my first lien holder XXXX Mortgage however Chase who owns my second is not willing to submordinate the loan to help me save my home.
Today, I was issued a XXXX that I did not approve This has happened to me more than once Usually, I just pay it, but I just was released from the hospital and can not afford this Please take this charge off I 'll close the account after this is satisfied, and there 'll be no more problems Any questions, please notify me on my email account Thank you in advance for correcting this XXXX XXXX email ; XXXX
I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The Equifax credit score they pulled was almost 100 points lower than what I receive from my monthly XXXX 3-Bureau FICO score monitoring. I expect maybe a few points  difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!
I checked my credit report and found this collection on my report. I have no knowledge of said debt and would like documentation to back up their findings. I assume this is medical by the name and MED in the creditor.
I had a Fraudulent ATM Withdrawal done on my account for {$500.00} in XXXX, CA which is over 70 miles from my residence in XXXX, CA. The Representative informed me that there were several declined attempts as well, was also informed of declined pin attempts as well as declined transactions after the fact all verifying fraudulent activity. US Bank declined my claim because I didnt file a police report even though video surveillance verified it was not me on camera making withdrawal, and under Regulation E they can not legally require a police report and I can not drive 70 miles to make a police report in XXXX, CA.
i am behind on my mortgage and was dealing with XXXX. Filled out the loan mod package and XXXX said I was denied. asked for an appeal ... then XXXX said I was approved without filling out another packet but my loan was being transferred to rushmore. My original loan was for 15 years from 2002. Rushmore is giving me the option to pay 40 dollars less for 20 more years. Am I wrong is thinking this is not right? I had already paid 13 years on a 15 year loan and rushmore wants me to agree with a n3ew 20 year mortgage???? it does n't make sense to me
Without any indication or notice, on XX/XX/2018 my personal checking and savings accounts were both frozen. My bank passed along the only information that they were given. I was told to call the provided number to speak with a Midland Credit Management lawyer. I swiftly called the provided number, it belonged to my local Sheriff Dept. After talking with the Sheriff I learned only that MCM had frozen my accounts, and they were pursing a " sheriff sale '' of my personal items to pay owed debt. After multiple conversations with both my bank and MCM I felt pressured to pay this owed debt ASAP! MCM told me the easiest and fastest way to solve this issue was to pay debt in full via XXXX. XX/XX/2018 I went to my local XXXX location and paid MCM my debt in full {$1700.00}. A month had gone by and my accounts were still frozen. I contacted MCM in hopes of getting a resolution. MCM told me " yes, debt is paid in full. Attorney has paperwork on his desk. When he gets to it, your accounts will then be released ''. Now here it is 2 months later and my debt is paid and my accounts are still frozen! Beyond frustrated at this point and I do not know where to go from here. Please help/guide me in a direction to solve this once and for all. 
Thank you for your time.
i submitted a loan modification to the select loan servicing because i do n't know who the lender is, anyway the request was received and the lender confirmed it a few months ago in which my documents were sent in by fax several times and there was someone assigned to the file, buti just received a sale notice posted on my door for a sale date on XX/XX/2015while my loan was in the process of a loan mod!!!
I have a credit card account with PNC. 
They state I am entitled to 1.25 % cashback on every purchase, I made a {$1300.00} car payment for a friend to XXXX financial and they are stating because of the way XXXX coded the transaction that im not eligible. 
Spoke with at least XXXX people who all tell a different story, several have even agreed with me but in still missing a huge credit to my account. 
I firmly believe that PNC has ripped me and others off in the past and they are still doijg it as we speak.
On XXXX/XXXX/XXXX, I attempted to make a balance transfer from my American Express Blue Credit Card to a new credit card of {$12000.00}. On XXXX/XXXX/XXXX the payment was declined due to insufficient funds on the new credit card. We proceeded to call the new credit card company to figure out why this happened, and received an explanation that they charged too much for their balance transfer and that put it past the limit. 
I called American Express as soon as we had an explanation, and described to the billing representative what had happened and that we were good to proceed. After describing having to use a check from the new credit card company for the balance transfer, the billing representative said I could take care of it over the phone or online and just to give him the checking and routing number, which I did. 
Two days later my payment was again declined, so I attempted online and again it was declined. We than called American Express to find out what was going on, and was told we should have never been asked for the checking and routing number over the phone because the check submitted was a business credit card check, which was communicated to the billing representative on our phone conversation. 
I have now been charged multiple declined payment fees, and my 0 % APR American Express has jumped to 30 % APR, which has resulted in nearly {$500.00} in fees, and no balance transfer.
There's 2 issues, Privacy and Interest/fees. 

I took out a loan for {$1500.00} ( possibly went up to {$1800.00} ), and I somehow now owe collections ( on my credit report ) {$2300.00} for Speedycash. They started taking out {$500.00} payments every two weeks, and I'm sure I paid over {$4000.00} in payments to them over the course of months, maybe even more. How can I owe {$4000.00} + {$2300.00} for a {$1800.00} loan?! I guess I didn't understand the paperwork but this ruined months of my life and forced me to take out another payday/installment loan with someone else to pay my rent. And of course that snowballed into a disaster. 
One point it got so bad I had to put a stop payment on an autopayment from them to pay my rent and they somehow got my debit card number ( I never gave it to them ) and made a payment to them on that. I think you can see in my emails attached I filed a Fraud report. I definitely filed one with XXXX XXXX. Now all of that was sent off to collections and I still owe them money somehow. So depressing. 

Now I can't get apartment because my credit score is too low and this is the only bad thing on there except for {$270.00} for my old cable box I think? 

Please help me figure out how to settle with them without paying them even more money. I feel so taken advantage of.
I have attempted to payoff my mortgage with Shellpoint Mortgage Servicing. On XX/XX/XXXX. My bank, XXXX XXXX, will not send an epayment of over {$50000.00}. On XX/XX/XXXX and XX/XX/XXXX, I sent five payments totaling {$240000.00} which was the payoff amount as of XX/XX/XXXX. 

On XX/XX/XXXX, I reviewed my loan on XXXX 's website, and determined that payments were not properly applied. I called XXXX 's customer service, and that the customer service representative told me that the issue should be resolved by XX/XX/XXXX. In addition, I had also sent an email to XXXX through their website. 

Per review of XXXX 's website on XX/XX/XXXX, XXXX only applied {$140000.00} to my mortgage and that I had a balance remaining of {$95000.00}. I called customer service again, and they said they had no records of the payments, and I asked that I send bank statements supporting the payments. I faxed over XXXX XXXX bank activity, and confirmation from XXXX XXXX that the 5 payments of {$240000.00} had been sent. XXXX 's representative told me that the issue should be resolved quickly. 

I reviewed my loan on XXXX 's website on XX/XX/XXXX, and the issue still had not been resolved. I again called customer service, and they again said they had no record of the payments. I elevated the issue to the supervisor and was directed to a voicemail. I left a voicemail, and have not been contacted.
Last year ( 2015 ) phone calls were constantly terminated to my work phone from XXXX XXXX calling from the XXXX XXXX. I contacted the FTC, filed a report on the DO NOT CALL REGISTRY and shortly after the calls stopped. The caller, XXXX XXXX gives no other information and calls from blocked/unavailable phone numbers. Not sure why there is a reason to block the number the call originates from. It 's quite unprofessional and does not lend credence for me to respond to the call. In addition, these same annoying calls have started terminating to my personal cell phone as well. 
I am requesting these calls to stop as NO authorization was ever given by me for the calls to commence in the first place.
To whom it may concern : I have had a lot of problems with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the XXXX. I had a family business during the recession of XX/XX/XXXX XX/XX/XXXX and the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in XX/XX/XXXX and the XXXX from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the XXXX XXXX XXXX within XXXX XXXX and XXXX XXXX XXXX XXXX. The XXXX also went after my son ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the XXXX to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, RE
When I made the first payment, I paid the regular monthly payment and in the line clearly marked additional principal, I wrote in {$75.00} to be taken off the principal. When I received the next months bill, they had taken that {$75.00} payment intended for the principal off the next payment. When I called them, several times, they said it was taken off the principal which was clearly a lie. They record the conversation on their end, but refuse to talk to me when I told them I am recording the conversation for my protection
I have multiple letters from SunTrust that are deceitful, misrepresenting my submissions to them, misleading as to the mortgage modification process, and a violation of FDCPA collection laws and the XXXX. I have detailed the letters and actions in the accompanying letter as attached.
I financed a vehicle through Ford Motor Credit in XX/XX/XXXX. At the time I was making {$50.00} an hour and paying for my loan was not a problem. I became totally XXXX and got behind on my payments and I am nearing the end of my contract. I receive Social Security and XXXX XXXX payments which is my only income. I contacted Ford Motor Credit in XX/XX/XXXX and made a {$900.00} payment and advised the nice lady that I would pay at least that monthly in order to satisfy the loan. She told me that a person from her retail department would contact me and try to assist me to get back on tract. Instead I get a call from a very rude man from their collections department demanding that I pay the total past due or I would need to surrender the vehicle. I told him several times that I did not have that kind of money and my vehicle is my only means to get back and forth to my numerous doctors appointments. He became very arrogant and told me that if my house payment was behind that they would foreclose on my house, which my mortgage company has been very understanding and I am current on my payment. He told me to call back to speak with him, but I refuse to talk to such an arrogant person that has no business in Customer Service. He got upset with me because I was using my cell phone to which I explained was my only means of communication. My home address is in XXXX but I am in XXXX undergoing medical treatment for my disease. I am XXXX most of the time and have a hard time speaking on the phone. I have sent emails to the executive offices of Ford Motor Credit, the XXXX to no avail. I tried using the secure email system through Ford Motor Credit but the response is always that I need to call and they are unable to help me through email. Maybe they do not understand that I am trying to pay them money and they do not have to be arrogant and demeaning towards their customers that pay their wages. While my account was past due I would get at least XXXX calls a day on my cell phone telling me to call Ford Motor Credit. As I stated above I have difficulty communicating at times due to my illness but no one cares. I just want to pay off the vehicle. I have paid around XXXX thus far for this vehicle with financing and they want to take it when I am so close to paying it off. I am putting half my Social Security into paying the vehicle off. I do not want anything free, just some empathy and understanding in my situation. I have been in XXXX about 45 years and have never treated a person as such, let alone a XXXX XXXX.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of these accounts : XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX and XXXX XXXX XXXX/XXXX   XXXX
My attorney and I have been trying to get a payoff amount for my mortgage since XXXX XXXX, 2016 and can not get Santander Bank to give us one. I am about to lose the sale of this house due to their incompetence and I need some help from you to obtain the numbers I need.
On XXXX XXXX, 2015 I did a balance transfer of {$19000.00} from my XXXX Credit Card Acct. to American Express. On XXXX XXXX, 2015 American Express sent me a letter stating that they were declyning the balance transfer of {$19000.00} from XXXX and returning the money back to XXXX. On XXXX XXXX, 2015, I contacted XXXX to ascertain if they had received the returned check of {$19000.00} from American Express and they stated that they had not received anything back from them. When I contacted American Express to inquire about this matter, American Express stated that the check had been sent back to XXXX and that I had to figure out where it went. American Express was unwilling to help me any further regarding this matter.