WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, we started getting in financial stress due to reduction in income. I contacted Wells Fargo, the holder of the mortgage on my home, to request loan modification. I was told that since I was not delinquent, nothing would be considered. Over the next few months, we got behind in our payments, and on XXXX XXXX, XXXX WF sent me a foreclosure referral letter. I applied in XXXX XXXX for mortgage assistance. What followed between XXXX XXXX and XX/XX/XXXX ( 18 months ) was a string of 27 written letters from WF, and numerous phone contacts between us. I was shuffled around with XXXX different WF employees. I submitted my paperwork three different times, as there would be lengthy delays in processing my request while personnel were replaced, necessitating resubmission of my information. XXXX appraisals were conducted as the first on became too old for WF to use. These lengthy delays caused my arrearage to increase dramatically. In XXXX XXXX, WF offered me a trial plan, but it required me to pay most of the accumulated arrearage up front, which by that time I could no longer afford to do. WF stated that the only option they had was to require repayment of most of the arrearage as they were restricted by the terms of the Mortgage Backed Pass Through Certificates trust they set up and administered. They stated that if they reamortized my loan, they would have to offer that to anyone else who was part of that particular trust, and they were not willing to do that. 
WF handling of my mortgage assistance application almost exactly parrallels their past misdeeds that resulted in the suit brought by the State of New York and other states, including Maryland, where a consent decree knows as the National Mortgage Settlement ( NMS ) was ordered by the US District Court, XXXX. In that Consent Decree, WF was required to respond to and process mortgage modification requests timely, modify loans reasonably, and prevent the accumulation of arrearages that made it impossible for homeowners to avoid foreclosure. In my case, WF violated nearly all the terms of the NMS Consent Decree. I was forced to apply for Chapter XXXX bankruptcy protection in XXXX XXXX to delay foreclosure sale by WF. The Bankruptcy Court is unable to order modification of my XXXX loan since it is on our primary residence. All I am trying to do is to reamortize the loan to incorporate the arrearage, even though the loan is XXXX % greater than the appraised value of the house, due to the housing crisis. If WF forecloses, they stand to lose more than {$700000.00} in arrearages and loss of value, yet they are inflexible. I have evidence of all the WF contacts over the last two and a half years. I have also filed a Complaint in the Circuit Court of XXXX County MD which is deferred pending conclusion of the Chapter XXXX Bankruptcy filing.
Equifax mishandled my personal information including name, social security number, address, birth date, etc. resulting in a data breach in XXXX XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft or fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for 'trial periods ' of their ID protection services for only 1 year of protection. The information they failed to secure could be used for decades. After 1 year of protection, I and millions of consumers would have to pay Equifax for ID protection services, which is outrageous. 

Further, the only tool available to me as a consumer to protect my credit reports is the 'credit freeze ', which Equifax XXXX and the other reporting agencies, charge {$10.00} for in my state ( Oklahoma ). They want to charge me {$10.00} to freeze my report, then charge me {$10.00} AGAIN when I need to unfreeze to conduct financial business. Then another {$10.00} to refreeze, on and on in perpetuity. That would be {$60.00} per free/unfreeze for me and my husband for each credit report related transaction, for the rest of our lives. That is criminal. I should not have to pay the company who compromised my data through gross cyber security negligence. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/ fraudulent behavior and indicated by the 3 Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing and unfreezing free and refunding everyone who paid for it following this data breach. Additionally, the Equifax PIN System for freezing/ unfreezing your account is based on providing the VERY personal information that was compromised and stolen. Thus, the parties who have the ability to steal my credit information also have the ability to unfreeze my account using the inadequate security measures that Equifax has implemented. I demand that Equifax change the PIN system to ensure that credit freezing/ unfreezing is actually a secure process. Finally, I demand that Equifax provide the secure ID protection program they are offering for 1 year to those affected consumers for the lifetime of their social security numbers and the information that was stolen. No consumer should be forced to purchase credit report protection plans from the very company for egregiously failed to protect their data in the first place.
HSBC has been holding me hostage over my mortgage since XX/XX/2008. I have been approved for over XXXX loan modifications since 2008, however, after each approval, HSBC fails to send me the modification documents and approvals, and continues to solicit me for other loan modifications, when there is a court order on file with XXXX County, SC, stating that HSBC is not allowed to contact me directly. More Recently, HSBC defense council, XXXX XXXX, has promised my attorney and I that she will expedite my loan modification. see attached letter. It has been two years, and XXXX XXXX has never responded to me or my attorney. HSBC continues to ignore me and my attorneys requests and we do not know how to proceed. I need to get out of this house and get out of this loan so I can move my life forward. HSBC has effectively ruined my life and my credit for the last 8 years. Can you help them to contact me or my attorney? Can you please sanction XXXX XXXX or report her to the bar association for her complete failure to do anything in my case? I am going to provide the proof I have been approved for a loan modification, and the proof that XXXX XXXX has done nothing to help the situation.
I took out a payday loan and the lender 's collection agency XXXX garnished a portion of my wages after I had already revoked wage assignment rights from the lender. I submitted the revocation letter on XXXX. 

I spoke to the original lender 's ( Green Circle ) representative ( XXXX ) XXXX - XXXX XXXX XXXX XXXX and was informed that the debt was written off as of XXXX and that they had indeed received my letter of revocation. 

XXXX XXXX is the collection agency. All i have is a phone number XXXX XXXX XXXX XXXX that no one answers. 

These were illegal and unethical practices by the collection agency and I expect a refund of the funds that were taken by them.
I filed an Identity Theft Report with The Federal Trade Commission in XX/XX/2017. Equifax has a copy of My Report and has since not helped me with fraudulent accounts such as XXXX XXXX and XXXX XXXX XXXX ( XXXX XXXX ). 

XXXX XXXX is allegedly a loan for Home Improvement. Ive never owned a house. 

XXXX XXXX XXXX has refused to talk to me after calling.
While on an XXXX XXXX flight, I was told of a special deal available only to passengers who would open an XXXX XXXX Citiadvantage card using application obtained from the flight attendants. The special deal granted XXXX airline miles to new account holders. There were no minimum purchase requirements stated in the fine print or otherwise. When I subsequently inquired about my XXXX miles, I was told by the credit card customer service people that I did not make the required {$3000.00} worth of purchases in the first 3 months as required. When I told them that the airline personnel handing out the applications had specifically stated that there were no minimum purchase requirements, they said that others had also made the same complaint, but that there was nothing they could do, whereupon I closed the account. This was a clear misrepresentation of the card 's terms by both airline personnel and the card issuer. There was also no stated minimum purchase requirement in the materials that came with the card. Please alert others to this deceptive business practice.
I have the American Express Business Platinum card ; a card that carries an annual fee of over {$400.00}. The reason I pay that huge amount is to be able to use my Membership Rewards points to book travel on XXXX. However, I have not been able to book online on the website. I have tried going so twice ; once about 4  months ago, and again on XX/XX/2017. Every time I try to book a flight on XXXX, COMPLETELY covering the travel with my membership rewards points, the final screen says payment failure and I am unable to book. I have called in, and the travel team has indicated that this is a known problem and they are " working '' on it. They can book it over the phone, but it is an incredible hassle and waste of time waiting for them to answer the call. Moreover, the " amex member '' pricing, which gives a discount on the published fare for booking with points, is not accessible to the phone representative. THAT IS NOT AN ACCEPTABLE ANSWER FOR THIS PRODUCT ; this is clearly illegal and misleading advertising.
I have a loan with CARNGTN MTG. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CARNGTN MTG with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX - XXXX, XX/XX/XXXX / XXXX - XXXX, XXXX - XX/XX/XXXX, XXXX - XXXX, XX/XX/XXXX.
CFPB Ordered XXXX XXXX to Refund {$34.00} XXXX for Deceptive Health-Care Credit Card Enrollment. 

I am a victim of XXXX XXXX and I have not been notified by this Company about the settlement that has been enforced by CFPB. I am still getting letters from Attorneys asking me to pay over {$2000.00} to XXXX XXXX for the deceptive services that I received from my Dentist Office. This account goes back to 2002, I have written them and asked to have my balance reviewed and asked to get a lower interest rate and lower payments. They have not given me any consideration. I contacted CFPB and they asked me to put in a complaint on this site. 

Please respond. 
Thank you so much.
I am sure that I am not the only person having this problem. Soon after the Equifax data breach, I attempted to access my free annual credit report. None of the services were able to provide the report due to an excessive number of requests, which was to be expected. However, returning to retrieve the information again, the sites are indicating that I have already received my free reports. I have not. 

This is ridiculous. This is my data. It is terrible that consumer 's data is being held hostage, is not being adequately protected, and is being sold as a commodity. Something must be done to correct this! If companies, like Equifax, are not adequately protecting this data, we the consumers should be allowed to view its status any time we want without a fee in order to protect ourselves.
I have been receiving several calls from Westlake Financial everyday of the week. Sometimes it seems like all day. I do not have any business with them nor have I. The final straw was when I had received a call from them on Sunday and I tried to contact them and let them know this, and they were closed. But the message said that I could contact them that day. I have received several messages from them on Sunday, and every day of the week. When I did answer the call to talk to someone it is always an automated system to push buttons. I finally did contact them during the week and they ask me did I have a relative that may have used their services. I said I may, but they have nothing to do with me and my phone number, caller ID & answering machine being hijacked with so many of their calls. I called on two different occasions and spoke to live representatives and requested for them stop calling me, but the calls continue. I just received another one, on this day Sunday, XX/XX/17, and I have had enough. Please contact them and let them know to correspond with whoever they are after in writing.
I opened a Citibank ( R ) Account Package checking account in XX/XX/2016 using promotional code XXXX ( equivalent to the online code XXXX or Citi 's internal code XXXX ), under which I would receive a bonus payment of {$400.00} within XXXX days of meeting the requirement to keep {$15000.00} in the account for XXXX days. I deposited {$15000.00} in the account on XX/XX/XXXX and kept it in the account until XX/XX/XXXX, when I withdrew {$5000.00} via check. 
In XX/XX/XXXX and XX/XX/XXXX I messaged Citi asking about the promotion and they confirmed XXXX times in writing that the promotional code was applied to my account, that I had met the requirements for the promotion on XX/XX/XXXX, and that the {$400.00} would be credited to my account by XX/XX/XXXX 
When the bonus failed to post to my account by XX/XX/XXXX, I opened an investigation with Citi as to why it was not paid. They have failed to answer that investigation and have been stonewalling me ever since. The most recent communication I have from them is from XX/XX/XXXX which claims they have " expedited '' the investigation with their back office and that I must wait another XXXX days before they can tell me why the bonus was not paid. 
It is clear to me at this point that Citi has no intention of paying the bonus they owe me and intend to continue stringing me along with endless " investigations '' until I give up. I am tired of dealing with these people and just want to close my account, but can not do so until the investigation is resolved. 
I demand that Citi pay me the {$400.00} which they have repeatedly acknowledged that they owe me and which should have been paid by XX/XX/XXXX I also request that Citibank be referred to the XXXX Department of Justice and Federal Trade Commission for engaging in fraud and false advertising, as I am not the only person Citi has attempted to cheat out of their bonus in this manner.
XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and XXXX XXXX has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with XXXX XXXX.
XX/XX/2018 Several Tire Orders were Cancelled. But, I was charged in error
As os XX/XX/XXXXmy total balance with Navient was {$47000.00} including principle and interest. Since XXXX/XXXX/XXXX ( Last 6 months ) I have been making monthly income-based payments of {$150.00} for a total of {$920.00}. 

Naveint has confirmed receiving each payment as reflected by my credit report and Navient online portal. 

However, instead of my total Balance declining by the paid XXXX to {$46000.00}, it has increased by {$350.00} leaving my current total balance at {$48000.00}.
I defaulted on this loan. I am trying to obtain a mortgage, but he loan is apparently showing twice on my credit report for lenders - once as a delinquent account and once as a charged-off account. I have tried to dispute with the bureaus, but XXXX XXXX will not correct it.
On XX/XX/XXXX XXXX added {$5600.00} to my bill as a capitalized interest charge. On XX/XX/XXXX another {$500.00} was added for capitalized interest. I received no notification when these charges were added to my bill and only discovered them both in XX/XX/XXXX. I reviewed the reasons why capital interest may be charged and realized that none of them applied to me. I called to ask why I was charged a total of {$6100.00} and was told that it was because they did not receive my repayment plan recertification in time. I told them that I did recertify on time and even got correspondence from them telling me that they received my recertification form within the time frame allotted. I was then told that my initial request was incomplete because their link to the IRS was down ; this prevented them from reviewing my income verification. I am not at fault for a link being down. I should not be charged over {$6000.00} dollars for their technical difficulty. 
Every time I call I get misinformation. On XX/XX/XXXX I asked XXXX ( employee ID # XXXX ) to dispute the charge. I have not received any information from that request. 

On a separate issue, I qualify for PSLF as a XXXX XXXX employee and have been submitting requests for over a year to have my qualifying payments updated. I have never received feedback from any of the requests. Every time I call about this I am told that they will submit a new request and to wait 30 to 90 days to receive feedback. I am repeatedly told that delay must be because XXXX is still waiting for information from my previous lender, XXXX, to add my qualifying payments. I have been working as a civil service employee for 6 years. 

The misinformation is a HUGE issue. Please train call center staff to simply respond " I do n't know, let me find out for you/transfer you to someone who can give you that information '' rather than just making something up. 
For example, I was recently told, when asking for a breakdown of 1 of 2 consolidated loans I have with them, that the loan was not the consolidated loan that I thought it was, and that it had only recently been disbursed to the school I am currently attending. Fortunately, I have experienced a plethora of misinformation from XXXX representatives so I knew to ask to be transferred to a supervisor instead panicking and calling my school to find out where this large sum of money went.
Ive had several calls stating I need to pay but first send in documentation. The First call was from a man that gave me an email the second was from a woman that gave me a website. Neither of them were helpful and I got different information concerning my student loans from each one of them. They threatened me by telling me that if I don't start paying that there will be consequences with my account. After I had told them i was not employed and was barely feeding my children they were still adimit on telling me to borrow money from someone to pay it.
XX/XX/XXXX in an attempt to make my water bill payment for {$110.00}, I added the mistake and put {$1100.00}. Upon receipt of confirmation of the transaction, I immediately contacted Netspend to request they reverse the pending transaction. They stated I needed to contact the merchant to have them submit reason authorization should be released, etc. I informed Netspend that the merchant stated payment had not been processed, so therefore, they do not have the funds. The merchant agreed to help me out and sent a receipt to Netspend stating that they would only process the initial payment of {$110.00} for the water bill. Upon receiving the receipt from the merchant, Netspend still refuses to release my {$1000.00} back to my account.
I have been fighting this issue with Experian for over a year now! Now all the credit bureaus have the wrong info. My account number with CFPB is : XXXX. Experian has cost us thousands of dollars so far and stopped us from being able to move forward with our lives, financially. Experian, LIES-LIES-LIES!!! CFPB, would do their part, then Experian would tell us they would correct it and they would only send us another bureau report, no changes, in fact the reports got worse, for we were refused a consoladation loan and it was at that time we discovered, EXPERIAN had deliberately XXXX our credit report. I am fully aware of all the lawsuits against Experian, plus Experian 's part in the XXXX XXXX scam. I 've made copies of these issues from your website and hand delivered to companies we were trying to get credit from, no help. After calling XXXX different phone numbers, I finally reached XXXX at Experian, XXXX, on XX/XX/2015, XXXX said he could n't hear me, gave me a number to call him back and " YES '', that number was a non working number. I 've not been able to reach Experian by phone ever since. As stated in my original complaint, neither my wife nor I 'EVER ' gave Experian nor any other credit bureau the permission to gaither or report our credit, plus they never get it right for millions of people and yet they keep going getting away with murder and making trillions of dollars at the expense of others. We need this matter corrected " ASAP '', ( ALWAYS SMILE AND PRAY ). 
PLEASE-PLEASE HELP US WITH THIS REQUEST. We are in our XXXX and deserve to live a better quality of life. 
Blessings XXXX & XXXX XXXX XXXXXXXXXXXX XXXX XXXX, CO XXXX XXXX
This complaint is due to failure to validate in accordance with 1692g, I do not have a contact with Performant Recovery. I am also requesting a receipt of this loan, as well as please provide the note!
Had a credit Card with Bank of America that went delinquent In 2006. But it is still appearing on my credit report ad it has been more than seven years now. For some reason the File keeps getting sold to collections and they keep opening it.
This deals with case # XXXX, in it i stated that Wells Fargo bank had called me to collect a debt I did not owe. This was in XXXX, they called even though I had told them XXXX10 months before that I did not owe them anything. they investigated and found that I was right. they promised to pay me the {$1500.00} fee for this infraction of the do not call registry on which I am enrolled.. This was told to me by XXXX XXXX, thier research and remediation manager, I was sent an agreement letter and a tax info sheet to sign and fax back. This I did on XXXX XXXX at XXXX. i have confirmation from Wells fargo it was received. I was told I would receive a check within 10 DAYS, NOT business days, 10 days period, that was yesterday the XXXX. I have not received the check and XXXX XXXX will not return my calls, this means they are in breach of the agreement and are throwing the rules in yuor face and mine, as they have violated the law and believe that they are above it I think they owe me another {$1500.00} and owe you an apology.
After reviewing my credit report, I saw where Equifax was reporting a bankruptcy my chapter XXXX bankruptcy as a chapter XXXX. I reached out to them my phone, began a dispute, fax over supporting documentation from the Bankruptcy Trustee as well as the court, showing that this item has been on for 7 years and is do to come off. 
So I received a letter from Equifax, confirmation # XXXX dated XX/XX/XXXX stating that the disputed bankruptcy was not reporting on my Equifax file. We today as of XX/XX/XXXX, it is still reporting. 

I would like this removed asap.