WillisBack/dataset-financial-user-claim huggingface dataset:
We have a mortgage with the bank and was told, like always to go to their nearest bank to fax our formation quickly for an appeal for a modification. We told the mortgage company that we did not have a fax machine. We went to the bank to receive a fax from my husband 's mother that was now living with us and would now show more income.We explain to the service worker that it would be a bank statement and her award letter that we were receiving and they said okay., But We also told them that we were going to send the information to our mortgage co.for a modification and that today was the deadline for it.They asked for my license and proof of me having a mortgage with them and I gave it to them. 
We were waiting for an unusual long time to get the documents back.I went to the manager and asked why is it taking so long and they said that they just needed extra time to get the documents and I called my mother-in law and ask did she send it and she said, yes.I asked her did she put attention to the name of her son on it and she said yes. 
They were treating us like criminals and acking strange.We had a deadline to meet.I asked them to give me my license back and they refuse and I asked them what was going on and they would not answer me and in a concerned voice I asked them again and the manager said that she was going to call the police on us.This was very crazy to me and I asked why would they call the police on us and she did not answer me.I asked for my papers and my license again and she was acking crazy and would not give me my belongings.And she said that my husband did not know the person that was faxing the information and ask that he show that he knew her.My husband gave here all kinds of proof that this was his mom.She still did not want to fax the papers to there Mortgage company that was their company. He called his XXXX year old mom and she did not want to talk to her and I was still asking for my belongings and she said again that she would call the police on us for no reason. I was so scared that I went outside and sit in a hot car and calling my husband on the phone begging him to leave the bank but he said that he was not going anywhere because we did not break any law and that he was not leaving without my license and our papers.I desided to call the lady that was represented us and was waiting i for our papers to be faxed to here and I asked her to talk to the banker on the phone and the banker did not want to talk to her either.My husband pleaded with her to talk to the lady that was wth our mortgage. She finally talked to her and she was asking all kinds of questions.Like did she know us and why did we need these papers .It was horrible and the banker still did not fax all the papers that was needed.She only faxed one side and it did not get there in time and we needed to re fax it and the banker did not give us our papers back but instead she said that she would shred them.We are now in foreclosure and there is a sale date of XXXX because of her.
Supposedly Bank of New York Mellon owns my home and mortgage, along with the deed. I would like to know when this transaction happened, along with proof of paperwork
I already settled this debt in 2013 with the company in front of the courthouse by having my wages garnished every paystubs ( Bi-Weekly ). After almost a year the company stop taking money from my paystubs. So my debt was completely paid as agreed in front of the judge, now they asking me to paid another {$1500.00} balance who I have no idea when this amount came from if they was still charging me interest after the judge rule, I am not going to agreed and paid for this debt because this will be considering a FRAUD .... I want this debt to be removed and stop asking me to paid for a debt already settle.
I was contacted by a lawyers office that gave me the last XXXX digits to an account, I do n't recall having back in 2008. The lawyer stated they were coming to my job to serve me papers, but could not give me a phone number for the company that hired them. I ca n't seem to locate any legitimate way of contacting Imagine XXXX XXXX. I have searched for the website myimaginecard.com as well as a phone number to contact these people. I was also told by the legal office that the Debt collector contacted me via postal mail at my address, and they did not receive a response. No mail or correspondence of that sort has been delivered here.
TD Bank continues with it 's deceptive overdraft fee practices. There 's no reason why an account needs to be delayed with charges from my debit account. When I charge something at a store, the store will decline if there 's not enough money in there. If I do a point of sale purchase, the money should come out immediately. TD bank delays the actual posting so that if a larger charge comes through later, they can charge a {$35.00} per item fee. TD bank has charged me thousands of dollars of OD fees and most are for charges less then {$10.00}. How is it fair that they can charge {$35.00} for any overdraft amount, even less then {$1.00}. I have asked them several times to update my account so that charges go in the order they 're made however TD Bank has stated they thought the larger charges were more important to the customer - that should not be up to the bank. I also noticed that my account started getting charged for business fees and come to find out that my account is a business account. I emailed them stating I never opened a business account that my account was a personal checking account and that they should correct that and reimburse me all the fees charged for the business account, however they did not respond and continue to charge me these fees.
In XXXX 2016, I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

I confirmed with Citi on Multiple occasions ( XXXX, XXXX, XXXX ) that I fulfilled all terms of the offer and to expect my bonus. 

Despite meeting all requirements to receive my bonus, the Citibank refused to honor their end of the agreement. I had to file a complaint before they re-evaluated the situation and finally agreed to honor the initial offer. I was told on XXXX XXXX that I would have to wait 60 days to receive the offer. Today is XXXX XXXX and I still have n't received any points into my XXXX XXXX account. 

I filed another complaint earlier this month/late last month because I suspected that Citibank would fail to honor their agreement. This is exactly what happened. I still do n't have the miles promised to me. 

I ask that Citi credit my account immediately. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

THE NEW JERSEY CONSUMER FRAUD ACT : If a jury or a court determines that a party has committed an act of consumer fraud, then that party must pay three times ( 3X ) the amount of damages awarded to the other party. ( N.J.S. XXXX )
I have multiple federal and private loans with Navient. After my wife lost her job I was the only one working and made attempt to get lower payments and Navient would not work with me so at that point, I was unable to make any more payments as the payments they want me to make are well over what I could afford. Since then collection attempts have begun, and they are not only calling me 7+ times a day from a robocaller but also calling my family or anyone that has had contact with me. They have left several messages indicating that they need to get in touch with me " regarding your student loan ''. They also have denied me any deferment or forbearance as they state I do not have that option any longer. The funny thing is I am still in school yet they refuse to work with me so I cut all contact with them. They continue to harrass not only myself but also family members, they have called my parents giving the same information. By giving 3rd parties information about my loans I believe they have broken the FDCPA. They have called my wife stating " this is XXXX from Navient calling for XXXX in regards to his student loan debt ''. My wife said they do not have the right to keep calling her and she said they have every right to call her. They called my cousin today asking for him to get hold of me regarding my " student loan debt ''. The harassing calls also are becoming too much to deal with, calling 7+ times a day, calling and hanging up and then calling right back, calling from multiple different numbers. I plan on seeking an XXXX as I feel that they are breaking the law and harassing me and my family members as they will not work with me. They also put on my online account my work number after I have never given it to them. They called my work and also left a message stating they were calling regarding my student loans. Phone records and/or other documentation that may be needed can be requested if need be.
I was a student at XXXX University in XXXX, Illinois. The time that iI received financial assistance the company was XXXX XXXX the company was more than willing to discuss forbearance options - continuously off setting my loan. This was a very vulnerable part of my life. For years I was advised that forbearance was my best option, as opposed to a repayment plan. A couple years ago I brought up different pay options. Was placed in IDR- now in a standard. My total monthly payment is {$200.00}. I was under the impression - that I was paying a 6.875 interest rate- {$100.00} is applied to interest {$100.00} is principal - however on my credit report {$74.00} is applied to the balance - something does not add up. I am being ripped off - Navient is the worst
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 20 plus inquiries on my credit report. In which I didn't give anyone permission to pull my credit report. I need Equifax, XXXX, and XXXX to invesitgate with each company. To make sure they have a sign document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report.
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease. 

There are XXXX accounts with this collection agency
This debt is from XXXX I closed the acct due to a move In XXXX I called them to return the equipment. They sent me a XXXX label I returned the equipment via the XXXX store on XXXX XXXX in XXXX I've tried to contact XXXX cable company several times over the last couple of years about the amount they are reporting on my credit reports The amount is incorrect and all equipment was returned via XXXX in XXXX. They still have not changed the amount owed {$1300.00} which is causing an issue on my credit reporting. I've even disputed with the credit reporting agency with no assistants. I should only be charged for one month of service with XXXX. 

I've contacted XXXX several times for them to notify me that my account is un-locatable or they can not pull the XXXX information or as recent as yesterday I'm not in there system.
JD byrider/XXXX is the financing group, I paid on time every time without issue, they offer insurance on their vehicles which I paid on time every payment. My issue is I got into an accident and they received the money via the insurance for a car that has a median value at XXXX with the highest amt on XXXX at XXXX, they received a payout of see below : On Mon, XX/XX/2018, XXXX XXXX XXXX XXXX XXXX wrote : I am sorry that you feel that way, but the arrangement was for XXXX to make the first payment on XX/XX/2018 for {$190.00} while the claim was in process, since we both knew that there was going to be a deficiency balance after the insurance payment and sometimes insurance claims take a bit longer to get resolved. 

Here is the break down on how the insurance, Interest and tow fees payments were applied. 

Payment Interest Principal Balance {$7800.00} as of XX/XX/2018 interest accrued from XX/XX/2018 to XX/XX/2018 is {$100.00}. 

XX/XX/2018 Ins. check {$4000.00} {$100.00} {$3900.00} {$3900.00} Tow fee XX/XX/2018 2nd Ins check {$620.00} {$66.00} {$550.00} {$3300.00} Please contact XXXX XXXX at XXXX as soon as possible in order to avoid any further action. 

If you have any questions please contact me at XXXX. 

Thank you. 

XXXX XXXX JD Byrider They also put me in repo at XXXX owed and the car was not repod it was totaled out with the insurance pay out, which cause my score to go down by XXXX points. I believe this is unfair as they received money from the insurance for their product. They ruined my credit claiming repo for a vehicle they did not reposses. They have knocked on our neighbors door and continuallyn knocked for 2 days staright on the XX/XX/XXXX and XX/XX/XXXX and threatened to put it on my credit if I didn't give their collector the money on the XX/XX/XXXX 

I have read many complaint reviews online of this tactic to other consumers. 

Please advise as this is not fair to people who have maintained a good pymnt record. 

I could even get my car repaired as they wanted the pymnt for the previous tow before my front alignment and front end can be fixed, I felt this was probably the cause of the accident.
There is a Ginny 's account which I have disputed this is unknown and I requesting validation and removal
I applied for a capital one credit card on XX/XX/2017 and never received any more information other than that I had been approved for the card. Never received a card in the mail or anything. And now it shows up as a hard inquiry on my credit.
XXXX Money Transfer ( Western Union ) I did a money transfer to XXXX XXXX, after several times, the money never cashed there. During this period the Company XXXX answers my questions, but they never resolved the problem. 

I asked for my money back, and they said only in the same Agency I sent the money. The same Agency in XXXX refused to give me the money back, only another Western Union Agency. I went to the New Agency and they said didnt get the money, and then I went to the original Agency in XXXX and they refused again. During this process I was calling all the time customer service people, but everyone gave me wrong information. 

After waiting, I spoke with a supervisor and he said the same. They need to contact the Accountings department to get my money back : 7 days waiting.
Ocwen loan company has received several modification request alongside hardship request from me. For some reason they have the idea that a property owner can not redeem their property from foreclosure proceedings. 
This company has not taken all the steps to ensure that all homeowner laws have been abided by and the buyer should be aware of their deceptive practices.
In XXXX XXXX, I incidentally signed a student loan with XXXX XXXX, which later became Navient, for continuing my adult bachelor studies. In XXXX XXXX, while still active with school, Navient started billing me for loan repayments. I 'd updated them on my schooling status, but they insisted there was no record that I was a student, so inevitably they contacted the school for verification, and from thereon there was no further communication. 
In XXXX XXXX, Navient started billing me again, and I updated them that I was still in school, and they told me I was required to send them a forbearance request for postponing my payments for a couple months. I told them that school did n't end until XXXX XXXX, and they insisted they were in the right to bill me for loan repayment, and gave me the runaround about filing yet another forbearance request. I refused and did not return their calls afterward, considering their behavior harassment. 

Navient contacted me yet again, in XXXX XXXX, about repaying my loan, even though I was still in school, and I told them I would file harassment for fraud, if they did not stop. There was no further word from them until XXXX XXXX, when they hastened me to start repaying my student loan. I was incidentally unemployment at the time, so I tried filing an unemployment deferment, and they told me I did not 'qualify ' as supposedly I 'd exhausted such benefits, from back in XXXX. Well, I contacted the Federal Dept and the Federal Loans about the matter, and they told me there was no such thing as 'exhausting unemployment ' benefits for deferment. 

So basically Navient lied to me, and I insisted once again that I wished to file an unemployment deferment, and they refused, once again insisting about the exhaustion excuse. Then they proceeded with the runaround about me submitting deferments and forbearance, to see which one I " might qualify for ''. Well I wasted my time doing that, just to keep them at bay. Their website is disorganized, half the links did not work, or rerouted me to other irrelevant areas, and basically was determined nonfunctional. I did manage to upload one short term deferment and a regular forbearance request, and weeks later Navient claimed they could find no record of these uploads, when I had the receipt copies and the emails to prove they 'd been received. 

This matter went on for some time, between XXXX XXXX and XXXX XXXX. Navient continued to call and harass me that I was going " default '' on my loan repayment when I was not. And again, they wasted more of my time, running me around with resubmitting forbearance and deferment requests. To this day I have not made a loan payment because of their deceptions and harassment practices.
Our clients have attempted to obtain a modification with SPS 5 years ago. The Servicer lowered the payment XXXX even though the client 's income reduced by XXXX per month. 
The clients then decided to short-sale the property after which it was denied due to " information not being provided. '' Our company was contacted to help submit the documentation in XXXX of 2018. 

We've submitted the documentation to the Servicer and finally got a resolution on XX/XX/XXXX pending UW review. On the XXXX of XXXX, the servicer was contacted to get a status. They indicated they needed " more time '' for underwriting review. 
On the XXXX of XXXX, the servicer was contacted, and they state they just sent a letter today denying the Short-Sale due to RMA being incomplete. I informed the servicer the RMA was complete and has been submitted XXXX. However, the RMA is in fact complete. The servicer states the " intent '' is not noted in the RMA, however, the proprietary RMA doe NOT have " intent '' section noted in stead it has Section XXXX - the reason for hardship is noted. 

The Servicer understood and wants until Monday to review the case as we pointed out the inaccuracies in their process. 
This, however, isn't enough as the foreclosure hold has YET to be placed or the Facially Complete sent out
So Ive recently checked my credit report on XX/XX/XXXX, and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be XXXX credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, Transunion, XXXX and XXXX explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for Transunion., XXXX for XXXX, XXXX for XXXX they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : XXXX/Transunion/XXXX : 1. ) XXXX XXXX XXXX Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX  Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date : XX/XX/XXXX 11. ) XXXX XXXX XXXX Date : XX/XX/XXXX 12. ) XXXX XXXXr/ XXXX Date : XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the XXXX inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX
I went to deposit a check for {$200.00} at the ATM at the  US Bank Branch  at  XXXX   XXXX   XXXX   XXXX , MN on my way out to dinner and a  XXXX  game with friends. I inserted my debit card and was prompted to insert the check. When I put the check into the ATM it seemed to malfunction and kept pulling the check in and out. Then it took the check in and kept it. The screen informed me that the machine had malfunctioned and that my deposit was NOT completed and it could not return my check. The ATM then asked me for the deposit amount of the check and printed out a receipt that says deposit attempt also telling me that an error had occurred. I went into the branch and told a teller who then said I would have to wait for banker and that I should take a seat. I told him I was with a group and did not have time as I did not want them to wait for me. I called the  XXXX  number on the so called receipt and I was told that there was nothing they could do and that I would have to wait a few days to see what had happened. I checked my account online and it showed a deposit and a debit both for {$200.00}. The next morning both of those lines were gone with no mention of either on my online account. I called the  XXXX  line again and spoke to  XXXX  who said she would help and took some information. I was not satisfied with that and went back down to the US Bank Branch, paid {$8.00} to park. I then spoke to a  XXXX   XXXX  who claimed to be a manager. When he checked on his computer there was no record of my calls to customer service on my account. He was n't very friendly or helpful but did file a tracking number which is #  XXXX  and told me that they would have someone check the ATM. He mentioned a provisional deposit for the check but I have not seen anything on my account. I thought banks had a fiduciary responsibility for a deposit no matter if it 's a ATM or a teller. They took my money, lost it and do n't seem very interested in resolving the matter.
On XXXX XXXX, XXXX I deposited a cashiers check drawn on XXXX XXXX  XXXX XXXX XXXX for {$2500.00} via an ATM. Chase placed a hold on all the check 's funds until XXXX XXXX, XXXX. This had never been done to my account before, and it was surprising since my account is not new. I contacted customer service via email about this, but they could not help. As a result of this hold, the bank charged me a total of {$400.00} in overdraft fees. Some fees were refunded in an arbitrary manner, but as a result of this arbitrary hold, I had to pay {$270.00} over the following days until XXXX XXXX, XXXX.