WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX , I took out a second mortgage from   XXXX   XXXX  . In  XXXX , the loan was sold to   XXXX   XXXX  . In  XXXX , I obtained a release of lien so I could sell the property (  XXXX   XXXX ,  XXXX , MI  ).  At that time, the interest rate was hiked to almost double the original amount due to the loan no longer being a mortgage loan and I continued paying. Missed payments have greatly affected my  credit score.   The original loan was for {$47000.00}. Fast forward almost 20 years and the loan is still being reported to credit bureaus as a mortgage loan, it is now being collected throu gh Franklin Credit. Als o, I have struggled some financially in the past 5 years and had to ask for a re-aging of the loan. Even though I completed the deferment agreement which stated the late fee balance and interest would be tacked on to the end of the loan, this did not occur and penalties are still showing as due. After almost 20 years of paying, the balance is still around {$35000.00}. I am feeling preyed upon and do n't know how I can ever get out from under from this. Any assistance you could provide would be appreciated.
XXXX XXXX XXXX sent me a bill XX/XX/2018with payment due date XX/XX/18when I went to make my payment online it showed XXXX balance XX/XX/18 and I triend again XX/XX/18. I get a notice in the mailXX/XX/18 datedXX/XX/18 from Creditors collection services on behalf of XXXX XXXX XXXX. I am looking for record of first payment I already made, but I wasnt given the opportunity to even pay by the last statement due date.
XXXX XXXX who is my Lender for Loan XXXX. 

XX/XX/XXXX late fee removal denied due to the fact that you posted your XX/XX/XXXX payment on line on XX/XX/XXXX but it was after business hours which posted on XX/XX/XXXX. We did audit their site portal and they do have a disclaimer on the hours for payments made online.
PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX and XXXX XXXX We started a short sale on XX/XX/18. PNC is the 2nd TD. PNC is refusing to return any of our requests for a callback, will not give us status updates on the short sale, and we are currently at a standstill because they are claiming that the negotiator is unavailable and have NO idea when he will be back. They apparently are grossly understaffed, as they have no one working his files while he is gone. Neither the front-end nor management can tell us anything that is going on with this file and they have had this file for OVER SEVEN MONTHS. We have met all their demands and have no idea why they are still delaying the process. 

Again, this is a 2nd TD, and we are at the end of another round of 60 days worth of approvals from the 2nd TD. We just want someone at PNC to answer us. This dysfunction is an ongoing problem with PNC as a whole, to the point that it is obvious it is by design. It is done on purpose to obstruct their own clients ability to obtain a resolution to Retention Options. We just want a response from PNC.
XXXX XXXX XXXX called my cell phone on XXXX and XX/XX/XXXX while I was at work. Did not identify themselves as debt collectors and attempted to get personal information. When I refused to provide them with the information, they threatened to keep calling me until I answered their questions. Then on XX/XX/XXXX I received a dunning notice from them. The notice was backdated to XXXX in an attempt to limit my time to respond and request for verification of debt.
PHH mortgage service has failed to update its records of my account being past due in XX/XX/XXXX and XX/XX/2012 despite my providing documentation of error and request to then and XXXX to correct. In late XX/XX/2012 our servicing was moved to PHH from XXXX. We made timely XXXX payment of XXXX on XX/XX/XXXX and on XX/XX/XXXX we made a combined XX/XX/XXXX and XXXX payment of XXXX. No payments were late. Attached is copies of bank statements showing amounts were paid electrically. Please correct this error This error occurred when servicing was being moved
I had a Macy 's American express card ending XXXX. In XXXX, XXXX, I made a purchase of a XXXX dollar. I have not received statement via email or mail of this charge so I soon forgot about it. Until today XXXX/XXXX/XXXX, I was surprised by a letter sent by Macy 's which indicating a balance. I was astonished to learn that because the balance has not been paid, a late fee was levied on every month besides interests charges, amounts to XXXX today. I immediately contact the customer service and indicating that I have not received statements. The representatives mentioned that they have been trying to contact me via the phone but they could not produce the email or other records of statement being sent to me. In brief 6 months time, a mere XXXX dollar balance multiplied 10 times to what is standing today XXXX dollars. 
If ones character must be taken into account in this matter, I have a stable job and excellent credit history that I am willing to produce ample proof. I am willing to paid for reasonable charge and interests accumulated due to my oversight but I can not understand how anyone could be punished by the levels of charges by Macy 's American express. I could not help thinking this practice is predatory in nature, and should be penalized and stopped before next victims.
XXXX  is reporting account number  XXXX  on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off my credit report.
Barclay 's Bank opened a XXXX credit card account for me without my authorization. Apparently, it won the XXXX account away from XXXX XXXX, where I was a cardholder. I never authorized the opening of a new account with Barclays. What 's worse, when my XXXX XXXX balance transferred over, I began incurring immediate finance charges. I never even knew this was happening because I never authorized this new credit card being opened in my name. By the time I realized all that had been done without my authorization, my account had already been reported to the credit bureaus for delinquent payment. When I asked Barclay 's to produce the itemized list of charges for the now $ XXXX balance, they could n't. And yet, I had to pay it to spare my credit. All the information is available now but in this moment of crisis, no one could tell me anything about this account I did n't open.
I  have  XXXX  duplicate Department of Education tradelines on my credit report for the same  XXXX  loans. I have completed a loan rehabilitaion through   XXXX   XXXX   XXXX   and my loan has been sold to   XXXX   XXXX  . Part of the agreement with the loan rehabilitation is that the defaulted and duplicate accounts would be removed when the loans are consolidated and sold to a new servicer. A will attach documentation pertaining to both the removal agreement and the new loan servicer agreement.
In XXXX, I cosigned for a friend, XXXX XXXX, on his automobile which was a XXXX XXXX XXXX. The car dealership was called XXXX XXXX XXXX and it went out of business some time later. At the time, the car was worth {$3800.00}, and it was a lemon. XXXX was an abusive man and went to jail some time in the late XXXX and stayed in XXXX for 10 years. I was not working at this time because I had a young daughter with XXXX. She was born with XXXX XXXX. In XXXX, I began working at XXXX XXXX and as soon as I started working, an attorney contacted me requesting payment for the car. I have been paying {$120.00} a month for the last 12 years without missing a payment. And this debt has been sold from law office to office. Currently, it is XXXX XXXX XXXX that is contacting me for money. This last month, my granddaughter ( who is currently in a XXXX  hospital ) stole money out of my account. I tried calling XXXX XXXX XXXX two weeks ago to inform them that I would not be able to pay using my bank account, but I still paid today ( XX/XX/XXXX ) using a credit card at XXXX XXXX. Even though I still made my payment, they are contacting me and telling me that my account is under review and that are going to garnish my check. I am tired of being taken. I have payed over {$13000.00} and they are telling me that there is still {$12000.00} left to pay. I don't know what to do at this point, and any help would be greatly appreciated.
I went on line to ask for a Bank of America account, I have had two before and I am a victim of Identity Theft. I have faxed in both police reports to the three credit bureaus and to as many of my accounts including school loans. I went in to XXXX XXXX XXXX to discuss the accounts and about reopening up one. When I saw him on Saturday the XXXX of XXXX and I also took in one of my police reports that was from 2013 with the IRS. I showed him the report or at least placed it on the table. XXXX XXXX XXXX was very polite and professional. Asked for me to come back in the week so he could call in and get authorization and to override my previous accounts. I called XXXX XXXX on Monday and I left several messages. XXXXXXXX, XXXX, XXXX, we basically were playing phone tag with each other. The number I called was XXXX, when finally speaking with XXXX XXXX, he mentioned he was waiting for a call/authorization and he would let me know, to wait for a call from Bank of America by XXXX. Around XXXX I received a call from XXXX XXXX and stressing that I owed money did I want him to tell me the amounts owed to Bank of America XXXX I can fax you the police reports and can someone let me know what my rights are as a Victim of Identity Theft and thank you.
Today is XX/XX/2018. This morning an ad scrolled across my smartphone screen from Quicken/Rocket Mortgage that said " Get Approved in 8 Minutes ''. This appears to violate at least Advertising/Reg N. This is false and misleading advertising. It may be possible to get " Pre-Qualified '' in 8 minutes, or even " Pre-Approved '' in 8 minutes, but it is virtually impossible to get " Approved '' in 8 minutes. To get " Approved '' means your loan application and all accompanying documents must be reviewed and underwritten by an underwriter, something which can not be done in " 8 minutes '', so in reality it is several days or even weeks for a final " Approval '' to be issued. It is impossible to get " Approved '' in 8 minutes.

Why is Quicken/Rocket Mortgage allowed to mislead the consumer with false promises like this?
Several years ago we submitted a request for a loan modification to JP Morgan Chase. At first we tried on our own but go no where so we retained an attorney to assist us. The problem is that while we ( and the the law firm that was assisting us ) submitted EVERY piece of documentation that was requested of us in a timely manner and evidently they sat on someone 's desk or somewhere in the JP Morgan Chase office and not done anything with. Then they turn around and deny the request stating that they did not receive the requested documents in a timely manner. AND they also accuse me of lying, when I told them that I was making the temporary payments that were set with for us ( which is documented ) I called them in and after making several payments I tried to call one of the consecutive monthly payments in and the representative that I spoke with said that she could not accept the payment since the loan was under modification review. Wth?, That is why we had temporary payments set up. I provided them with the name of the person that I spoke to and the telephone number that I called but they will not even research that. 
I am so over them accusing me of lying and the fact that all they do is claim that the foreclosure on our home was legit and by the guidelines. Well, it really was n't when we did everything that was requested in order to save our home. 
They also sent mailers on a regular basis stating how they wanted to help us " save our home '' but did nothing to help and ended up leaving me homeless. 
They offer no resolution for their lack of doing anything to honor our request when we did EVERYTHING that was requested of us and in a timely manner. If they were never going to help us ( as they evidently knew they would n't ) they should have just let us know that there was not a chance of obtaining a modification. 
Since then they have sold our home to someone else after the erroneous, inconsiderate and unjustifiable foreclosure. I have reported this numerous times and will continue to do so until a satisfactory resolution us offered to us. We have nothing left to lose since they made me homeless so I will continue until something is done about this. They are a money grubbing XXXX company that screws people over that are trying to save their home and should have to answer for their horrible customer service and lack of investigation of reported claims rather than accuse me of lying about what I am reporting. 
All we want is an offer of a satisfactory resolution. It will continue to be reported and I will not stop until one is offered and accepted!
We made 2 / {$1000.00} payments to our Citi Simplicity Credit Card. 
We have documentation of the payments / they were deducted from a prepaid XXXX XXXX debit card on XX/XX/XXXX and XX/XX/XXXX. 
However Citi has claimed that the payments were received then withdrawn back to the card. This is not an option for this prepaid debt card. Also the transactions show full payment made, received, and withdrawn from XXXX. We have spent months being asked for statements and proof of payments made, which we have sent multiple. We have tried to do everything they ask us as well as continue to pay monthly even while in dispute. It appears as though they keep changing the monthly rate giving us insane interest fees different each month even though the balance shows little to no decrease because of the interest rate they are charging us on the closed card. 
We have sent them direct paperwork from XXXX XXXX, as well XXXX XXXX Representatives contacted them directly. 
All of the XXXX XXXX transaction papers that I have sent them copies of show proof of payment, And absolutely no returned payments. We have never made a late payment with this company and before this debacle we have paid well over the amount due. And they still decided to shut the card off. Please help, we are at wits end.
My wife XXXX XXXX went to apply for credit at XXXX XXXX XXXX XXXX, XX/XX/XXXX. We usually get 's a text message letting us know that we applied for credit. However, the inquiry went to my text message, and credit and not my wife 's credit. I do n't understand how my wife 's information with her social security number is going to my credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it and they told me that it 's legal to merge our credit reports and I disagree with this. My wife is her own person, and I am my own person, our credit reports should not be merged at all. I want them to fix them immediately. This is affecting me and my husband 's credit report and obtaining credit. When I put my SSN in for credit it should not be reporting to my wife 's credit and her should not be reporting to my credit report. XXXX just recently changed my name to my wife 's name on my credit report, I do n't understand that. This is affecting both of us really bad. This is illegal, we never gave them authorization, to change my name to my wife 's name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. I have so many inquiries that are not mines, and she has so many inquiries that are not hers. Please help us, someone must be accountable for this.
TransUnion makes it very difficult to determine how to attach a credit freeze without paying for their ridiculous monthly service. By comparison, the others have it as a clear prompt on their home page and it costs {$5.00}. 

I have tried numerous times to call and log in online and the call has been dropped 3 times. Online, I end up in a loop where it does not accept my password, nor let me change my password. 

I was able to get my free credit report from TransUnion, but I do n't want any of their other garbage products. I simply want to put a freeze on. I 'm frustrated that they make is so difficult. I have not been able to do it.
I have no clue who these people are they just appeared on my credit report as collection. I have never received any kind of documentation from them, I got their address off my credit report sent a letter asking for validation but never received it. I do get phone calls about once a week from an automated caller telling me he will be serving me with papers at either my residence or place of employment but nobody has ever showed up at either place. I want this removed from my credit because all of my accounts have been in good standing for last 8 years.
I have reached out and filed disputes with XXXX, Equifax and XXXX about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XXXX of XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year XXXX.
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX/TFC. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
The " My Macy 's '' credit card charges a {$2.00} " minimum interest '' fee each month, even when the balance has been completely paid off, there are no new charges and the balance would otherwise be XXXX. I was charged this fee three months ( XXXX ) in a row, on a XXXX balance, before I finally called to complain. The Macy 's representative 's explanation was, " the fee is for interest carried over from before the balance is paid. '' But there had been no balance for three months. And a fee of {$2.00} could n't be an prorated daily interest charge because such a number would not be so even or the same each month. When asked why an interest fee would be charged with no balance, the representative simply said, " We are happy to refund the fee to you. '' They even have an option on their automated phone messages, asking if you are calling about the fee. If you press the number for that option, they recorded message says they will refund the fee as a courtesy, but the fee is for " carried over interest. '' Perhaps, I 'm not understanding how interest is calculated on credit cards, but I do n't think any interest or fee can be charged if you pay the balance before the due date. Their complete lack of substantive defense to the question, and automated refund, leads me to think that they know it 's a scam and are probably charging many people this fee for no reason.
My wife and I placed an order for a mattress from Mattress Firm on XX/XX/19. The sales rep kept making odd steps and corrections so we repeatedly tried to confirm that the item he was ordering for us was the exact same item from the floor model. 

We made it abundantly clear that our purchase was strictly on the grounds that we were getting the exact item we wanted, and confirmed FOUR times that the item lined out on the order matched the floor model, as there was no other way to verify. We agreed to finance the purchase of that specific order and that specific order alone. 

Now, we found out that the sales rep pulled a bait and switch on us and ordered a different item from what we agreed upon. As such, the sales rep pulled credit to sell us an item that we had not agreed upon, and had we known about the bait and switch, we never would have authorized the credit pull.
i have TWO separate complaints against Chase Mortgage. The first one is that for 10 years they reported one of my mortgages as " Modified '' - the said loan was never modified, after MANY hours of documentation and phone calls back and forth to their executive offices they finally 2 years ago admitted their wrong doing and sent me letters stating they were fixing the incorrect information to all 4 bureaus. THen they did it AGAIN 6 months later.. then AGAIN 6 months after this. i have endless amounts of paperwork re my complaint and supposedly they are not " doing this again ''. Then in XX/XX/2018 i had made a Partial Payment on one of my mortgages. Around the first week of XX/XX/XXXX?, might have been an earlier month/, when i went on line to pay the rest of the payment on the XXXX i didnt see that they had applied the first {$500.00} or {$600.00} payment. I CALLED and spoke to someone on the phone/ overseas possibly and they informed me that they had inadvertently applied the funds to my ESCROW account to which i said NO - i wanted it towards the payment. The rep at the other end of the line said OK we will fix it/ do you want me to draft the balance of the payment from your normal XXXX XXXX checking account ending in XXXX.. i said  YES, she gave me a conf number and stated again that they had to FIX their mistake re applying funds toward the escrow vs actual payment. the following month i saw they had charged me a 30 day LATE reporting and DENIED that i had EVER made the phone call in the first place!. i again reached out to their executive offices/ provided AGAIN all the information and they wrote me back and basically called ME a liar! i have paid back XXXX  of XXXX  of $ $ to CHASE on the many many many mortgages i have had. they are incompetent and could care less about erroneous reporting. this XXXX on their part has cost me to have several CLOSED accounts AND have other limits dropped completely. for ONE LATE payment that they messed up on.
I had my temporary card from american express serve and used a few times before it just kept getting declined, I called customer service explained that my card seemed to be no good because it was not working she then told me my balance and it was XXXX dollars less than it should have been, at that time I explained that o haven't been able to even use my card and that those charges where not correct. She then told me activate new card and money would just reappear basically, and I knew at that point she either did not understand what I was saying or was wrong. I called again got transferred to fraud and was told same thing activate new card not addressing the XXXX missing and then hanging up. I've sent emails to every american express email I could find and from what it seem they want nothing to do with recovering my money. The transactions are listed below. XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - {$600.00} XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - {$1000.00} XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - $ XXXX - {$100.00}
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC.

1.XXXX XXXX 2.XXXX XXXX