WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for Nationwide Biweekly in XX/XX/2014 to save money on my mortgage loan. My husband and I decided that we could handle our payment the same way Nationwide does so I called to cancel the service in  XXXX. The representative told me that I could not cancel because they have not collected the service fee yet. She told me that if I call back after XXXX that I could cancel. I had no idea there was service fee and I was shocked when she told me it was a whole mortgage payment. If I had known about this fee I would have never signed up for the service. I believed that the two extra payments from XXXX and XXXX would go directly to my mortgage as an extra payment, not a setup fee.  I recently got an email from Nationwide saying my account is "temporarily" cancelled because they lost their agreement with their bank.  I have tried contacting them through email and over the phone. I haven't got a response through email and whenever I call customer service it says they are experiencing high call volumes and to call back.
XXXX XXXX XXXX refuses to take my payment in full citing an agreement entered into with the CFPB
I lost a significant amount of money to a building contractor after which time I lost my job and had to file for bankruptcy. I needed to continue to work and needed a new car to make a daily out of state commute to work to pay off my bankruptcy ( I had no consumer debt, just had gotten behind on my mortgage -- I have never had any debt ). Santander Bank offered me a bank loan at a rate of 24 % which required I work 2-3 jobs to cover. At the time I took out the loan I told the car dealer that I would prefer to buy several junk cars if they wouldn't refinance the loan after I paid off my bankruptcy which I did working days/nights/weekends for 5 years. They told me they would. I reiterated that the car would have high mileage from my commute and constant work schedule and asked them to qualify again that they would. I was told yes. When my bankruptcy was paid off and I requested the refi, I was told they didn't refinance. The car cost {$14000.00} and after 5 years I still owed over $ XXXX. I went to other lenders but they all told me the mileage was too high. The car was repossessed in the middle of the night. 

I am XXXX, have worked for 45 years and have never had any kind of debt to warrant such a high interest rate it seems to me. I can not get to work without a car. I spoke to a representative at Santander who told me that they were well within their limits to ask for 24 % which I agreed had not been misrepresented, just the refinancing of such an outrageous amount of money. A class action lawsuit in the state of Massachusetts has successfully sued them and I am asking for my debt to this company to be dismissed and have been denied.
I believe that this phone number is for a debt collection XXXX. There are several issues with the way they are attempting their practice:1 ) they have called from the following phone numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX - all of these phone numbers when GOOGLED do not reflect XXXX nor any company even close to that of a Debt Collector. Rather, for example on phone number ( XXXX ) XXXX when you look it up online, it states it is for XXXX XXXX in XXXX XXXX, SD. This is a deceptive practice and as a debt collector, they should have to clearly identifiy themselves. 
2 ) the company has continued to call my cell phone repeatedly daily and when I do not answer the calls because I am at work, they have recently attempted calling my phone at work - which I never provided authorization or the phone number to do so and I would like them to stop calling that number IMMEDIATELY. 

Further if they are attempting to collect a debt, why are they not leaving me a voicemail message with a call back number? This is a shady practice. My voicemail clearly states my name so even leaving a brief message of this is XXXX calling for XXXX XXXX regarding her account, please call us at XXXX would be better than nothing. XXXX XXXX XXXX practices need to clearly be investigated for proper actions.
I made purchases in which I paid in full. 6 months later I receive an attempt to collect on further purchases, which I did not make. The company, XXXX XXXX XXXX sold my debt to Midland Credit Management , Inc. Midland put this on my credit report before ever contacting me. I contacted them to advise them that I did not owe and that they were not following Fair Debt Collection, by putting a debt that I did not owe on my credit report, especially before notifying me that they were going to do such.
On XX/XX/2017 there was an account open that states I owe {$1100.00} to XXXX XXXX, XXXX on my credit report. I have never or agreed to any contracts verbally or written with this company for any payments owed or debts due. I have never heard of this company and now I am getting an overflow of emails from this company threatening me that I have to resolve my account balance or it will be sent to a lawyer. I know that I owed XXXX XXXX for an amount way less than this company claims I owe. I tried to work with XXXX XXXX company back when I was unemployed and they were working with me until this XXXX XXXX  XXXX appeared on my credit last year in XX/XX/2017, which this debt collector is holding my credit score down and restricting me from getting an apartment and auto loan. I do need a home and transportation for work and it requires to build up my credit. I thank you for your time.
This is not about my credit score. This is about Bank Of America that made false promises to me about a dispute I had in the amount of {$420.00}. I have names of supervisors and representatives ( if needed ) that told me to provide all documents, which included 1 ) a letter of complaint describing what happened 2 ) receipt of purchase from merchant 3 ) a second opinion letter proving that what I purchased did not work. In short, I went to a XXXX to treat XXXX XXXX and was promised a XXXX week kit I bought for {$420.00} would DEFINITELY work. It did n't. I 'm still suffering with the same symptoms, seeing different doctors to help me, and had a letter from my primary doctor CONFIRMING this stuff was bogus and a rip off. Several times, I was told that second opinion letter would be sufficient enough to take that charge off of my account ( as long as it was within the time frame and it was ). So I faxed everything from a Bank of America in town and all documents confirmed it was sent. When I called to follow up, they said they " could not see " the second opinion letter. I said it was definitely faxed with everything else. They had me fax it again. This went on for months. They said they finally received it and would be sending me a letter. The letter said my documents given were not sufficient enough. I was furious. I called back to appeal the decision. This time I spoke to a supervisor in disputes ( again if needed, I will give names ) He said they must not have gotten the second opinion letter because that should definitely be enough to get the charge off my account. Again, I went to Bank of America to fax the second opinion letter from my doctor. Now, I got a letter stating that unfortunately, it 's out of the time frame. This credit card company is ran by nothing but a bunch of crooks. I will NEVER give them another cent. And I WILL be letting everyone know the experience I had with these people.Feel free to broadcast this anywhere consumers can see it, because I know I surely will!!! I have included documents that were faxed over. Please take note as you review, that some might be repeats but I want you to notice the time frame. I started this dispute back in XXXX ( it 's written on the doctor 's notes and it was all sent over within the time frame ). I am also fighting this dispute through XXXX. Thank you.
There was some fraud made on XXXX as someone tried to make accounts under my name. XXXX said they would tell transunion to remove the following the hard pulls as I did not authorize them. Transunion also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
On XX/XX/2018 I received in the mail, a XXXX prepaid XXXX in my name that I didn't order or apply for. When I tried calling to speak to a person I was unable to do so without entering my social security number and I wasn't going to do that because I didn't order the card. I just want to make sure there's no fraudulent activity going on in my name
I took out a HELOC with Third Federal in 2006. Along with the loan I received a brochure that states Lowest Rate Guaranteed For The Life Of The Line, you get either a rate adjustment or {$500.00} if they dont match it. It also states If you ever find a lower rate, a year from now, or even ten years from now, we will beat it, or give you {$500.00}. My HELOC is Prime - .51 %. Third Federal currently offers HELOCs at Prime - 1.01 %. I submitted a rate adjustment online and the response was I would have to apply for the loan. I talked to the local office in XXXX  FL and made the request and was told its only for when I first get the loan ( even though I pointed out it says for the LIFE of the loan and gave an example of guaranteeing it even 10 years later ). The brochure states To receive a competitive rate adjustment, either fax or deliver to your local Third Fedral branch or Customer Service department, a copy of the competitive product advertisement. Ive done both with no satisfaction.
I moved overseas in XX/XX/XXXX, and sent to Navient a reqeust for deferment, which was processed until XX/XX/XXXX. In XXXX I sent in new paperwork, along with updated address. I indicated that I did not have a US phone to be contact at. Rather than respond to my email attempts seeking assistance and confirmation of the paperwork being mailed, the company has been outright harassing my parents, until to 15 calls daily. How this happened is beyond me ; I do not reside with my parents ( for over 15 years ), and they did not sign for my loans. The law says that Navient is only allowed to contact them one time, unless agreed to more contact by my parents. Navient has now sent me an email stating that my loans are 8 months in default even though I was in defferment until XX/XX/XXXX. They are uncooperative and in general behave with harassing attitudes.
I received a XXXX for XXXX on a purchase money 2nd a HELOC. The loan was originally originated with Washington Mutual. Chase improperly foreclosed on the loan and was sued by state and and federal law enforcement officials. It was a class action lawsuit from the XXXX XXXX settlement fund. Chase plead guilty and settled and I received compensation. See attached documents that validate. 
I should have NOT received this XXXX form. I need Chase to retract this form and send me documentation to show that they removed or are in the process of correcting with IRS.This is causing me financial harm as a taxable event.
There are XXXX accounts on my credit that do not belong to me and Equifax keeps stating that they have verified this info and I have called XXXX these companies and they tell me they have no information from me associated to those accounts. I keep telling them that they are reporting on my credit and they tell me that they can not tell the bureaus to remove something they do n't even have in their records this is extremely frustrating since no one is willing to help and Equifax has not done anything to help with this matter. Accounts are the following XXXX XXXX Bank XXXX - XXXX and XXXX # - XXXX those XXXX accounts are not mine and I never authorized anyone to obtain those accounts in my name.
First of all, when I got this personal loan ( consolidation of debt ) through TCF Bank   they setup my home mortgage account as collateral ( as a back-up in case I didnt repay back this loan ). I have had this loan for 10 years already and the loan amount hasnt really gone down, hasnt even made a dent to what is the outstanding balance. To top it off on my statements it always states an 8.50 % interest but I think its actually higher ( this occurred when  in 2008 I was  unemployed and missed a couple of payments ), but this interest detail was never stated when I took out this loan. The representative at the bank misled me with this information. Apparently the interest was always suppose to stay the same and not go up. I have many times tried to refinance this loan, bu t TCF Ba nk has always been difficult in doing this for me, they have setup alot of roadblocks in refinancing my loan. They have always given me a hard time in releasing the loan subordination letter, trying to talk and communicate with them is like talking to the wall.
I have been getting calls every day from a company claiming to be Citi bank. They leave a message from an automated recording saying that I need to log into citicards.com and check out the status of my account. The only card I have through citi is a best buy card, which I pay regularly and the status is normal. When I call this number back, they won't let me talk to anyone unless I enter the last 4 digits of my citi card. I'm not sure what else to do. They fill up my voicemail box in a week 's time and I can't talk to a real person to tell them to stop calling. The phone number is XXXX.
Navient claims that I have used 48 months of in-school deferments and I have n't been in school for a full 48 months yet. I have had financial hardships while XXXX children and placing education on hold, periodically. Navient is harassing my co-signer who have been trying to pay the loan. I am currently seeking employment, however, I have no job. I have asked Navient if I can pay $ XXXX/month, but they refuse to accept my payments. Again, at this time I can only afford {$50.00} per month.
I got a Home Depot credit card with {$500.00} limit, passed through XXXX credit system. The bank for the home depot is Citibank. During the application process, the store clerk typed my address and phone number wrong. I was never been able to correct my address and phone number with Citi after talking 20 times. They asked me to call from " that number ''. I do not know what the number the store clerk put in by mistake. 

They put also address WRONG. 
Wrong address is XXXX XXXX  XXXX. XXXX. XXXX, XXXX XXXX, CA XXXX. 

" The CORRECT address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. '' I purchase {$300.00} worth the stuff USING THE DATE OF APPROVAL and I paid promptly. Citi is hassing me to the infinity TO CORRECT THIS STUFF. CARD IS NOW FROZEN/INACTIVE Either they correct my address and they can reach me at ( XXXX ) XXXX. 

Also I have the possesion of the card. Citi is a crooked and unethical bank. I even went to Home depot and showed my driving license and I paid through my personal check.
Legally I do not owe. I was not evicted. I have never been evicted. I do not have to pay fees for something that did not happen. Said the Judge. I have court documents stating that I do not owe this. I have a receipt that I paid what was ordered ; paid in full. This is a point of harassment and intimidation. I sent a notice in 2014 to cense and desist. I am XXXX and have been living on a fixed income budget. I would like assisted to resolve. The claim is on my credit reports and is causing damage to my credit profile and good name. I would like to resolve this matter without going to small claims court for damages, but this is also credit issue and fraud. dmp
I'm submitting a complaint against Enhanced Recovery Company , Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX ) to ( Enhanced Recovery Company , Inc. ) authorizing ( XXXX XXXX, XXXX ) to collect alleged debt. 

Show me that you are licensed to collect in my state, and provide licensed number if you are I have yet to receive the requested information.
I was a victim of Identity Theft this summer. I thought it was over in XX/XX/XXXX when the person went to jail and pled guilty. I had fraud alerts placed on my credit report and followed all recommended steps. However, Ive had 4 new inquiries go through onto my credit report since Then. I DO NOT understand the point of having companies to protect us after going through XXXX from the first Identity thief, just for the companies to not do their job and allow another thief to mess up my credit. Not just once, but four times!!
In XXXX of XX/XX/2013 i went to XXXX bank XXXX to re-finance my home at XXXX XXXX XXXX XXXX XXXX. at the time my home loan was through XXXX XXXX XXXX. I was at at the time at water level but, still making my payments on time with an XXXX credit score .i secured the re-fi. From XXXX. That 's when all hell broke loose. XXXX XXXX XXXX tried everything in the book to railroad me. I filed a complaint with attorney General office XXXX XXXX, my senators office XXXX XXXX, XXXX. To no avail. They strung out the closing process until XXXX when i was in contact with the c.e.o 's of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. After 7 months of run the runaround she emails me and says she set up the closing with a XXXX XXXX. So l called my banker XXXX XXXX of XXXX to ask her if she was aware of the closing. She said she had n't heard from them. 
The next thing i know, XXXX XXXX XXXX claims to have sold the loan to ( ocwen servicing ). I called my land trust and talked to the attorney on staff since i had the home in a trust in my sons name. i inquired as to whom held the collateral? I believe they called it. and the attorney told me XXXX XXXX XXXX 's. so, we contacted the c.e.o of XXXX XXXX XXXX again to inquire what happened to our re-fi?. We spoke to " XXXX ". She said they sold the loan to ocwen. But, XXXX XXXX XXXX still held lein on trust and collateral!. So, we contacted ocwen only to be told by a " XXXX XXXX " that it takes 20 days to get in the system. So, 20 days later we contactact XXXX XXXX and say we have a XXXX dollar check for the re-fi. she says we dont own the loan we just service it. At that point i was hospitalized XXXX. I had enough and stopped paying my mortage. After 2 years i hired a attorney to handle this because it was killing me. End of the story i had XXXX dollars for them and they for what reason refused it. Now, my beautiful home of 10 yrs was stolen fron me by XXXX XXXX XXXX and their offshore XXXX company " ocwen '' Please tell me i have some recourse! My phone # XXXX XXXX XXXX. My name is XXXX XXXX you have my email.
My closing date for the XXXX XXXX  credit card is allegedly the XXXX of the month. However, according to XXXX  the last time my account was updated was XX/XX/XXXX. It states my babalnce is {$470.00}. Additionally, a replacement card ( that was ordered do to a fraudulent charge ) that never arrived at my house is listed on the account. I paid the balance off in full on XX/XX/XXXX. My account should have been updated by now, XX/XX/XXXX. I spoke to a supervisor, XXXX who stated she could not or would not correct the problem.
On or about XX/XX/XXXX, filed debit card dispute with bank. The dispute was improperly coded by the bank as a cancellation, after speaking with XXXX on XX/XX/XXXX at the bank at number XXXX. I was instructed to fax the bank at XXXX and that I could reassert the claim. This was faxed to the aforementioned number on XX/XX/XXXX. It also included e-mail proof from the merchant stating " in regards to the charge back you have initiated with your bank, you will need to work with them to recoup the funds ''. Please see attached letter and proof submitted with this complaint.
XXXX XXXX purports to filter lenders based on criteria input by users of XXXX XXXX. 
I specifically requested an equity line of credit equal to the gap between my scholarship and XXXX University tuition. 
XXXX XXXX did n't filter lenders based on the criteria input by me into XXXX XXXX 's filter. 
Notwithstanding my own credit quality, my college buddy agreed to co-sign ( XXXX XXXX / strong earnings history, etc. ) Within 24 hours I received over XXXX offers to refinance my existing mortgage and take money out. If I refi, I 'd lose XXXX XXXX fixed rate and pay prohibitively expensive closing costs. 
I requested a HELOC as advertised. I specifically requested a HELOC and nothing else. 
The following lenders use fictitious HELOC terms to bait-and-switch consumers : - XXXX XXXX - Capital One Bank - XXXX Bank - XXXX - XXXX Bank - XXXX - XXXX - XXXX XXXX Mortgage - Wells Each lender approved a HELOC at Prime +/- XXXX. Each lender pulled the approval for nonsensical reasons. Capital One claimed that my guarantor needed to be on the deed. What 's the point of a guarantor? Reliance informed me that they would refinance only because they do n't make money on equity lines. This is egregious because a prospective borrower could find him or herself in a position whereby a refi is the only alternative. It 's a charade. I 'm confident consumers fall for it all of the time. It 's a con. Do not fall for it before its to late.
My bank is not reporting my account information t o my payday loan  company called   XXXX   XXXX   in a timely manner
I dont know the dates. I was reported deceased and now cant apply for another credit card & have tried to fix with XXXX but they say information is accurate.
I had an auto loan which was paid off and I received the pink slip but the company is now reporting my car as a charge off when it was paid in full. I have disputed this several times and I even contacted Capital One Auto Finance several times and they just keep sending a letter stating that everything is correct they wo n't allow me to talk to anyone in that department I am only allowed to speak with customer service. I requested a copy of my payment history which shows that everything was paid I have asked them to give me details as to why the account is considered a charge off when the payment was missed or not paid and they have not provided any of this
Re : Wells Fargo Mortgage Loan # XXXX XXXX XXXX : Chapter XXXX Case NO : XXXX Filed on XX/XX/2017 Dear XXXX XXXX, XXXX & XXXX XXXX : Your offices were notified via the attached XXXX XXXX, 2017 letter of a person frequently showing up at our door claiming to represent Wells Fargo Mortgage and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX demanding we hand over the keys of the property. In each of the intimidating events the male person depicted in the attached photo taken on XXXX, 2017 between XXXX XXXX and XXXX from several video surveillance cameras angles, while attempted to forcefully and unlawfully access the property via the side-gate entrance and over the fence. When the individual was confronted and demanding he leave the property the person angrily replied, Today is Foreclosure Day, ( see attached Notice of Foreclosure Sale for XXXX XXXX, 2017 ) you can hand over the keys now, or I will be back with the sheriff this afternoon to kick your XXXX out.