WillisBack/dataset-financial-user-claim huggingface dataset:
I refi'ed my mortgage with XXXX. I had no issue with them. They sold it to Nationstar. NS immediately tried to force me into their homeowner 's insurance. I had it already with XXXX. They then tried to force me into flood insurance. I already had it with XXXX. Now, they are sticking me with " gap '' flood insurance. They insist on {$2400.00} right away and they are boosting my monthly mortgage payment from {$700.00} to {$1200.00} a month. Repeated calls and letters are useless with them. In checking with the XXXX, they are not accredited and have an " F '' rating. They are terrible! This useless " gap '' insurance will cost me an additional {$15000.00} over the term of my mortgage and I have no right for refusal. They " claim '' I agreed through " terms and conditions '' even though that agreement was with XXXX, not them. It is forcing me to consider another refi 12 months after I just did it. This will cost me {$3000.00} but it saves me {$12000.00}. I could pay off mortgage but would get hammered XXXX by income tax. ( XXXX with withdrawl, XXXX with the boost in % income tax bracket )
Barclay bank is reporting an account on my XXXX credit report that does n't not belong to me. The account number is listed as XXXX. I previously disputed this with the credit bureau, and it came back as verified. However, this account does not belong to me.
ChaseRelief of Stay application is complete negligenceAs the property information provided to bankruptcy court is not my homeChase also notes no notice was sent regarding bankruptcy this is false as wellWAMU was my creditor not CHASEChase would not be listed as CHase has confirmed no NEW servicer notice was sent to me at no time in the last quarter of XXXX as required. 
However CHase knew to appear and apply for Relief of stay and granted based on a negligent untrue application with the wrong property - not my home. 
The appraisal completed by/hired and approved by Chase during the bankruptcy was XXXXXXXXChase Sold home for a little over XXXX milIt appears Chase deceived bankruptcy court
After being advised of a large debt on my credit report on XX/XX/XXXX, I contacted XXXX on XX/XX/XXXX, who very vaguely told me that my account was " Charged-Off '' and I needed to contact FirstSource ( the collection agency ) which XXXX supplied the phone number to me. I asked XXXX to send me a copy of my back statements so I could find out what happened & when. As of this date ( XX/XX/XXXX ), I still have never received anything from XXXX XXXX. I then contacted FirstSource on XX/XX/XXXX and asked them about my account. I was told they just received the info. They looked into it and contacted me back the next day ( XX/XX/XXXX ). Since then I was getting a call a day from FirstSource, occasionally 2 or 3 calls a day, until I asked them to not call me every day about it & I was looking into the matter. On XX/XX/XXXX, I received an envelope from FirstSource postmarked XX/XX/XXXX with copies of my statements for the past year, and a letter from them dated XX/XX/XXXX. 

Going back through all my previous statements, I found that this automatic withdraw payment problem with XXXX XXXX has been going on since XX/XX/XXXX. I do not look at statements every month and knowing my other XXXX XXXX accounts are on an automatic withdraw payment plan with no issues, I did not know there was a problem. To this day, I still have not found or received any info from XXXX XXXX advising there was a problem with this account. Every month, XXXX has been adding late fees, returned payment fees, interest fees, and changing the APR rate ( there may be more that I am unaware of ). The amounts keep changing, some months are higher & others are lower. 

When I originally spoke with the lady at FirstSource, she agreed with me, seeing my information coincided with what she was seeing. 

Another issue compounding to this problem was my original XXXX account number had been compromised. XXXX issued a new card with a new number. 

I received 2 from calls FirstSource last week, 2 more calls on XX/XX/XXXX and another one last night.
I recently received a phone call from this company attempting to collect a debt that is past the statue of limitations. Today I received a letter in the mail concerning that same debt.
I fell behind on my mortgage after my business failed. I hired an attorney to help me submit a request for a loan modification. My full application request was sent to OneWest XXXX in XXXX 2016. My loan is a 15 year loan which was good while I was making money, however now that my business has failed I really need it to be able to go back to a longer loan term such as a 30 year loan or at least longer term than the remaining 3 years as I can not afford the very high payment anymore. 
I was denied for a loan modification on XXXX/XXXX/2016 by OneWest Bank XXXX for HAMP. The reason given was due to " Investor/Guarantor Not Participating '' " Investor has not given us contractual authority to offer loss mitigation through the Making Home Affordable Program. 
I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( HAMP PSA RESTRICTION ), the servicer MUST make " reasonable efforts '' to get the investor to waive the restriction. I do not believe OneWest Bank XXXX has made any effort to ask the investor of my loan to waive the restriction. My attorney states OneWest Bank XXXX is participating in the Making Home Affordable Program and therefore they MUST make an effort to ask the owner of my loan to waive the restriction and review my loan for HAMP. 
In addition, the letter dated XXXX/XXXX/2016 which states they can not review for Making Home Affordable, also says " However, upon receipt of a complete application, your mortgage will be reviewed for all other loss mitigation programs ( including available loan modification programs ) permitted by the owner of your loan. We will contact you regarding the steps required to complete our review ... Once the review of your application is complete, we will send you an additional letter that contains the results of our review and if your mortgage qualifies for a loss mitigation program '' - I have never received this letter to date and my applicaton was sent in complete in XXXX 2016. 
My attorney has been asking OneWest XXXX for this letter promised in the above paragraph and I have received nothing to date. They only verbally tell me there is no other options. I am told that RESPA servicing law states they must issue me a denial letter and give me 30 days to appeal it. So far I have nothing except a letter stating they can not review for HAMP and I willl receive an additional letter for other programs they review me for. Again, I have nothing and they say they are not doing anything more for my request. Violation of RESPA Reg X.
I've made several attempt to dispute the bankruptcy showing on my reports to XXXX  but to no avail. I contacted XXXX XXXX the reporting company for XXXX  and they indidcated the Bankruptcy in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that was claimed to be filed was removed and XXXX  has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that XXXX  has not contacted them for any information.
Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is $ XXXXXXXX negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused.
Opened an account with company, set up automatic payments, payments were never taken causing late fees and over credit but never received any notice this was happening month after month now with fee 's the amount owed is over {$200.00} then original balance.
On    XXXX   XXXX    , 2017 I  responded to promotion b y Wells Fargo,  in obtaining a  Visa  card from them. The promotion stipulated, " {$200.00} Cash Rewards Bonus when you use your new card to make {$1000.00} in purchases in the first 3 months. '' I saved PDF of the promotion and the application, which I electronically submits to  Wells Fargo .   On   XXXX   XXXX    2017  I faxed their  Executive O ffice (  XXXX ,  XXXX , and  XXXX  ) about refusal of the Rewards Departmen t of W.F., in givin g me the {$200.00} cash-reward, as I had already (  1 )  spent over {$1000.00} using the  W.F . credit card and (  2 )  paid off the outstanding balance on the credit card. In so doing, I also faxed them the PDF of the promotion, upon which I had obtained the credit card. Attached please find PDF of the promotion, to which I responded. and my letter to  W.F.    Apparently,  W.F. , was telling me that ( 1 ) instead of the {$200.00}, they wanted to pay me {$150.00} and apparently they wanted to defer the {$150.00} payment to   XXXX  2017   .   Soon after opening the account, it became clear to me that there was absence of integrity and banker 's mindset deeply rooted at  W.F.,  upon which I stopped using their credit card, altogether. Further, I probably shall commence legal action agains t W.  F.,  should they fail, in paying off the {$200.00} to me by   XXXX  2017   .   They are numerous other issues with W.F. Credit Card, such as their refusal in paying the rewards promised as percentage of your spending, as they demand to pay such rewards in {$25.00} or {$50.00} incriminates. As such you can not only redeem {$50.00} on a {$70.00} accumulated rewards.
After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a zero balance.  Review  carefully and follow the law.
Wells Fargo send me a letter and saying that they will close my personal and business ( including savings ) account. When I call them, they gave me no explanation as to why they decided to close my accounts. I think they think something suspicious is going on but i don't do anything illegal. So, I think they are closing my account unfairly.
I have completed a two terms of service with XXXX as a XXXX XXXX XXXX, and have been awarded two {$5000.00} educational awards. On XX/XX/XXXX, I submitted a {$280.00} payment from my educational award, through the XXXX payment portal, authorizing this payment to my loan servicer, FedLoan. As of today, this payment has not been processed by FedLoan, or credited to my account. Further, on XX/XX/XXXX, I authorized another {$280.00} payment from the XXXX payment portal, from my educational award, which still has not been processed or credited to my account. On XX/XX/XXXX, I conducted an internet chat with a FedLoan representative, in order to see what can be done. I was not given any answers, and as of this morning, neither payment has been posted to my account. I have also made numerous phone calls, all without success as to why these payments have yet to post.
This is my complaint about Wells Fargo ( WF ) Earn More Mall Reward Program. 

In XXXX, I receive 50 % cash back offers from WF,  stating that I could receive 50 % cash back if I use my credit card at XXXX XXXX ( cap at {$100.00} cash back ) and XXXX   ( cap at {$70.00} cash back ) in store. AFTER enrolled in the offers from WF online banking system ( screenshot that shows my enrollment is saved ), I met the requirement mentioned in both store on XX/XX/2018 and expected {$170.00} for my purchases from XXXX XXXX and XXXX 

However, I did not receive {$170.00} from WF after a month. Therefore, I tried to contact WF to create a case for investigation. After the case was escalated to the executive office, Mr. XXXX XXXX has reviewed my case ( case # XXXX ) and contacted me. It sounded to me that WF doesn't recognize my enrollment from the system, therefore, can't issue the cash back. I provided my screenshot twice to WF, but they still couldn't honor me the cash back. I should be receiving what I was offered, and clearly, this problem is caused by their system glitches.

I would not recommend people use WF Earn More Mall offers based on my experience.
In 2011, I had a Visa Credit card with HSBC Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.
I pay my Chase home equity line of credit via a XXXX XXXX checking account bill payment service ; on XX/XX/2017 I paid Chase my regular payment of {$350.00} via this bill paying service ; Chase has NEVER credited me with this payment even though I faxed them PROOF that XXXX had made the payment on XX/XX/2017 ; as of today XX/XX/2017 they have never credited this payment despite acknowledging on the phone that they HAVE received the proof of payment and that this proof is VALID ; now Chase is sending me emails demanding I make this payment, it 's INFURIATING because they already have the money! Please help me! Before I call the district attorneys office or file a lawsuit I 'd like someone to help me to resolve this matter Thank you for your consideration! Sincerely, XXXX XXXX XXXX
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to American Credit Acceptance which was received on XX/XX/XXXXat XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with American Credit Acceptance. American Credit Acceptance has not provided any means of documentation period. No chain of command, application, or contract, containing my signature has been provided on behalf of American Credit Acceptance which is a requirement in the court of law. American Credit Acceptance continues to violate the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
I have an HSA account that pays interest on the balance - and did not charge fees until the balance fell below {$4000.00}. Once the balance fell below that level the bank started charging $ XXXX monthly. The interest paid is less than that. so the account is slowly being drained by fees. When I called and asked if I could pay the fees from outside the account I was told NO.
I have been a victim of identity theft. I was contacted by XXXX XXXX for credit card only for online store ( XX/XX/XXXX ). When I started to receive phone calls ( XX/XX/XXXX/XX/XX/XXXX ) I submitted a fraud form to XXXX XXXX and requested dates of purchase and proof of delivery when the debt occurred. I never heard back but recently Portfolio Recovery purchased the debt and began contacting me. I have emailed to Consumer Ombudsman Office of General Counsel Portfolio Recovery Associates , LLC ( " PRA '' ) and sent then information of my identify theft and requested date and proof of delivery of when these debts were incurred. They can not or will not supply me with the dates and delivery proof. I can not fully complete their forms with out proof of residency but I do not know when the dates of theft occurred. Portfolio Recovery will not investigate without the forms being completed. If they can not provide proof of delivery, address of shipment and the date purchase was made for debt how can they expect me to complete their forms to investigate and remove from my credit report.
These issues are with experian as to the following, they are reporting a balance and a payment on a XXXX XXXX XXXX mortgage account ( XXXX ) that they also show discharged in the same column which they previously were told to fix by XXXX XXXX XXXX in another complaint.Also the same mortgage they are reporting a balance and a payment with the same information that its discharged for XXXX XXXX XXXX ( XXXX ) .They are also reporting a high limit that is inaccurate period.They are double reporting an account XXXX with different account numbers.The ( XXXX ) as positive and closed and ( XXXX ) as negative, clearly inaccurate.I was previously told by XXXX lawyer that they dont report to experian at all so how could they be accurate, because experian says they only report what their clients tell them.How can my report be fair and accurate as i am by law entitled with these inaccurate entries?
On XX/XX/2016 I went to the doctor for a XXXX. The doctor XXXX. One of those XXXX caused a bill for {$93.00}. I paid the bill a week after receiving it through mail, on XX/XX/2016. I 'm attaching the check that I sent to the company and that was cashed by the company on XXXX. Surprisingly, since XX/XX/XXXX I 've been reported every single month past due, including XX/XX/XXXX, month which the bill was incurred!!!! I would like the trade line deleted and a confirmation letter from the company that such action has been taken and communicated to all XXXX credit reporting agencies. Thanks.
I was struggling financially due to having to take some time off of work for personal medical issues. I had just under enough in my checking account to pay for my car insurance in XX/XX/XXXX. This did however cause my account to become overdrawn, resulting in a {$25.00} NSF fee, which I have no issues paying. However, since then, several other charges which I did not authorize were attempted on my account, some multiple times, resulting in approximately {$400.00} or so in NSF fees. I have not had a lot of time to manage this account due to my grandmother having been on XXXX, and eventually XXXX in XX/XX/XXXX, but have received dozens of letters regarding fees, and BECU threatening to charge interest on these fees, which I never agreed to. In addition, the constant negative balance on my account has made it difficult to pay my credit card and personal line of credit. At the time of writing this, I have no issues with bringing the balance to a positive one, but 90 % of the negative balance consists of NSF fees for charges I did not authorize, and I will not pay them. 

I spoke with a representative from BECU who agreed to have her manager call me back, however, it has been several days, and I have not received a response.
To Whom It may concern, My credit card account was charged off by the credit company. I never received any monthly statements as the credit company had sent those to a wrong address. When I opened the account with this company, the staff verified my driver 's license, so, they should not make this mistake. Please see the follows for details. 

1. I opened an account of TJX Rewards Master card with XXXX XXXX on XX/XX/2017 after I purchased something about {$50.00} at a XXXX XXXX store. 

2. I never received any monthly payment statements after. 

3. I learned this credit card was charged off on XX/XX/2017 from XXXX XXXX. 

4. Then, I started to call XXXX XXXX to fix the problem. The Customer Service representative and manager, XXXX, could not help me over the phone and gave me a XXXX XXXX. XXXX  of the company, XXXX. XXXX   XXXX, XXXX, FL XXXX and asked me to write a letter to them. I wrote a letter to ask why my account was charged off. XXXX XXXX sent me back a letter, stating, " there are no delinquencies reported in the credit history of your Gap Visa Card account ". In my letter, I clearly stated it was for my TJX credit card. 

5. After I started to receive letters from XXXX at my new address, I learned that this account was sold to XXXX XXXX XXXX, XXXX on XX/XX/2017 ( I move to a new address from XX/XX/2017 ) 6. I filed a dispute. Then, I received a package from XXXX XXXX XXXX, XXXX to inform me their investigation result that they did the correct thing to my account. The package included two payment statements. In the two statements, it is clearly showed that XXXX XXXX had sent the monthly statements to a wrong address which I never lived there. They also wrote my last name wrongly in the statements. It could explain why I never received those statements. 

7. After this account was charged off, my credit scores were lowered to XXXX from above XXXX ; XXXX  XXXX   card lowered my credit line to {$200.00} ; XXXX XXXX Credit card lowered my credit line to {$300.00} ; XXXX XXXX XXXX, XXXX announced I owe them {$310.00}.
After pulling my Credit Report found that there was a report of unpaid debt from a company called " The XXXX XXXX XXXX ''. I never ordered any products or services from this company. After collection information from XXXX sources found that this was for a ring that I never received. I have informed both the collection Agency and the original creditor that I made no such purchase and have reason to believe that my X-boyfriend order such product ( s ) without my consent. 

On a number of attempts I have tried in good faith to work with the original creditor and found that they are not helpful and refuse to assist me in this matter. 

All communication has been in writing as required.
I opened up a CitiGold account in XXXX 2016 with my eligible promotion code to receive XXXX XXXX miles upon meeting the requirements. I got a verbal confirmation over the phone and written confirmation that the code was attached and applied to my opened account. Once I met the requirements, I called and asked for confirmation of meeting the requirements. However, upon this request, I was informed that I was not eligible for this promotion because I was not targeted. However, the promotion code should not have been applied to my account if I was not eligible, and this eligibility was confirmed upon opening the account. I have been back and forth through Secure Message and over the phone with customer service to resolve this issue for the past month and a half. They ask for physical confirmation of my targeted statement, which I did not keep since I had been confirmed upon opening my account that I was eligible. Since then, I have been charged a monthly service fee and continue to be denied my rewards.
I contacted Capital One in XX/XX/XXXX and made my payment and then requested to be signed up for auto pay. In the time between XX/XX/XXXX and XX/XX/XXXX I made a couple of payments that I assumed were extra payments to pay down my balance faster, I used my last minimum payment due to make these payments. I returned from vacation on XX/XX/XXXX and my wife went through the mail and when she opened our statement it said we were past due {$800.00} and that we were more than 30 days late. I called and spoke with a representative and he assured me that my credit would be taken care of and he would waive the late fees and make sure I was in auto pay, he placed me on hold and a few minutes later a different representative picked and said they would not waive the fees or fix my credit report and that it was all my fault that the account was behind. I asked him to contact the person I spoke with in XX/XX/XXXX and he said that was not possible and I told him this was unacceptable and he transferred me to an Account Manager. While speaking with this account manager about this very serious issue there were many people in the back round laughing and joking around the whole time, she again basically said it was not their responsibility that I was not enrolled in auto pay and the only thing she could do was ask for the tape to be reviewed which would take about 6 weeks and that I could not review the tape it was at their discretion completely.