WillisBack/dataset-financial-user-claim huggingface dataset:
My current mortgage company Nationstar is refusing to honor the terms of a modification I received when the loan was with XXXX. As a result of this my loan has gone into foreclosure and I have a court hearing next month. I believe that Nationstar 's actions are unethical and illegal. I sent in my payments for the modification as agreed after the loan had been transferred, but Nationstar sent the payments back to me claiming they were just " partial payments. '' I tried to explain to them that I had an existing loan modification and that it had been approved by HUD since I have an FHA loan but they would not believe me and told me I had to apply for a new modification with Nationstar. When I did this I was told that I did not qualify -- because I had already recently received a modification?? I am flabbergasted and outraged at the behavior of Nationstar, who seems to want to push me into foreclosure to cash in on the insurance money instead of following the government rules and guidelines for FHA loans. 

I have owned this home for 12 years. We never had a problem making the payment, until I went through a separation in XX/XX/2015 and was reduced to XXXX income. At that time the loan was with XXXX and I provided all of my financial information to them and was offered a modification that allowed the late payments to be held in a silent second ( I think it is called a partial claim ) and for me to resume making payments of {$850.00} a month. I gladly accepted this agreement and made the payments as agreed. Then the loan got transferred to Nationstar and their agents would not take my payments and actually sent them back to me. When I told them I already had a modification and this was the agreed upon amount they told me I was wrong and that I would have to apply again. All during this time I could have been making payments but Nationstar refused to accept what I offered -- -- after I applied for a loan modification through Nationstar I was told that I was denied. Because I had already received a loan modification??? If I already received a loan modification why was Nationstar pretending this modification did not exist? This is the ultimate hypocrisy and unethical, immoral and illegal behavior by Nationstar. 

I am not asking for a handout or anything free. I am asking Nationstar to play by the rules and resolve this situation. Due to some type of internal issue or poor recordkeeping Nationstar acquired my loan and made a mistake relating to the loan modification I had received and they failed to honor this. This is a violation of the government guidelines relating to FHA government insured loans. When I tried to make payments Nationstar SENT THEM BACK. Nationstar then told me I had to apply for help again ; when I did apply I was told that I could not receive help, because I had received a modification in the past, even though Nationstar refused to recognize this when I tried to make these payments.
I pulled a copy of my XXXX credit report on XX/XX/XXXX due to suspicions that Citi cards did not properly credit or resolve a fraudulent transaction. 

My wife and I purposely did not place transactions on this account this fall & winter due to the inconvenience of multiple account number changes due to fraudulent activity. When we learned of another fraudulent charge representing the entirety of the balance ( {$11.00} ) I  contacted them ( XX/XX/XXXX XXXX ) requesting resolution and will not be submitting payment for that billing period. There online chat gave me the following response : Yes b erest assured we have notated your account for this ( XXXX at XXXX, XX/XX/XXXX ) as Your account comes with {$0.00} account liability. And you will not be liable to pay any unauthorized charges. 


This was not resolved, as I discovered in a statement received XX/XX/XXXX. ( Your payment of {$11.00} is 6 days past due. Please Make a payment now ) I called Citi 's customer service three times that day ( Called XXXX and she abandoned call ; Called 2nd time and it went to busy after the menu ; Called 3rd time reached XXXX and she will take care of disputed charge and finance charge ( estimates 3 days ) However, this amount is still being reported on our XXXX credit report. 

I'm appreciative of any assistance you can provide. Thanks in advance!
I p ay Navient ( fo rmerly  XXXX   XXXX   ) with  a direct monthly scheduled payment from my bank account. I went to refinance my home in  XXXX   XXXX ,  XXXX  in  XXXX  or  XXXX . I was told  XXXX   XXXX  said I was delinquent  for seven mo nths. I checked my bank records and say I had paid every month. They were say ing one month I was  x number of dollars late and it always a different amount, no explanation, I made an appt. and when I got there was told " no it is next we ek '' WRONG. I c alled and called and finally I filed a claim in small claims court asking for {$1.00} and my credit being cleared up. They cleaned up my credit ( never a {$1.00 } ) by the  way.   Recently I am seeing the same thing. I pay the agreed upon directly scheduled monthly. Now they are saying I am x number of dollars delinquent again. I called recently and did not receive any satisfactory answer. I then mentioned I was unemployed and wanted a temporary deferment. I was told that could not happen until I defaulted. I value my credit and want to get this settled once and for all. I went to  XXXX  for two years and graduated in  XXXX , they claim I still owe them over {$30000.00} after ten years.  XXXX  is $  XXXX  a year.
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM SELF EMPLOYED AS XXXX XXXX XXXX XXXX.
BMO Harris Bank XXXX, WI XXXX reported {$4.00} late payment on my credit causing it to drop 100 points. BMO Harris was contacted via phone on XX/XX/2017 and could not give a detail of where this information came form. I was transferred to a Dispute department and they sent me a dispute form to fill out.
This company will not update my account for XXXX XXXX the credit report is to supposed to say paid account and have a XXXX balance l.I do n't have a balance with XXXX XXXX I paid account off and the status supposed to reflect the changes
Citi AAdvantage is soliciting Credit Card application for XXXX at my residence, even after phone calls to stop sending those applications.
We started to refinance our house ( s ) in Hawaii with Freedom Mortgage through a private broker in XXXX of XXXX. We finally signed on XXXX/XXXX/XXXX and Freedom Mortgage has still not paid off our loan or our other bundled pay offs with no communication as to why it was not paid. This has not only cost us money because some payments have now been double paid to not be late but extreme grief and hardship on my husband and myself. This process was to lower our payments and help us to make one monthly payment that was lower that the others. This company should be held accountable for their actions and the hardship they have caused to my family. We have an excellent credit rating, and have NEVER missed any payments to anyone.
I went to Wells Fargo on XXXX XXXX, 2016 at the XXXX location in XXXX, AL. I used the ATM to make a deposit. I had XXXX check and {$900.00} in cash. I inserted the items for deposit and the ATM stated it would send my cash back after I got a receipt only showing my check for {$500.00}. I did n't receive credit for {$1400.00}. My cash was n't credited. 
I called inside of the branch and the CSR told me he could see my full deposit of {$1400.00}. I told him I do n't have a receipt showing this amount. He told me to come inside. I did. 
The lady, XXXX XXXX, assisting me pulled up my deposit information and she said she could see the full {$1400.00}. I told her my receipt which is time stamped XXXX is only showing {$500.00}. She said well there is nothing we can do. She said you will have credit at midnight. I told her I want proof. She was impatient and had a bad attitude at this point because I told her I wanted her name since she said I would have credit. She said well whatever and signed my receipt. This whole time there are other workers saying they ca n't wait for these XXXX hours to pass so they can get off. 
I checked my account and I did not receive credit for my full deposit. I had to drive XXXX hours to this location only to be presented with the same people there from the previous day. The male worker sitting next to XXXX said here he comes. She just looked up with an attitude. 
I told her I do n't have credit for my full deposit. She said well your deposit was done after XXXX. I told her no, it was XXXX. She said well it takes longer to process. And now my funds are still not showing. I went to the ATM to get same day credit because my deposit was done before XXXX. I was well within this time. 
My money got jammed in the machine. She said I ca n't get money out of the ATM to give to you. I asked her what was I supposed to do. I was told now to wait until Tuesday. It was cash and I was within the cutoff time frame. 
This has put a hardship on me. The CSRs at this location were no help and acted as if I was an inconvenience to them. I have bills that are due but am going to have to incur late fees on payments because no one showed enough concern to at least consider it an emergency and get my money back to me.
This account was removed from my credit report twice in the past 8 months XX/XX/XXXX was the first time and again the beginning   of XX/XX/XXXX and has been placed back on without notifying me 5 days prior to the reinsertion action. My lawyer from XXXX XXXX had previously sent out letters on my behalf after I noticed this account reporting incorrectly and it was removed due to non-validation of the account after sending 609, 611 and follow up letters, this is not a playing matter and has seriously caused derogatory marks from adding and reinserting repeatedly on my credit report and causing my score to drop drastically. The credit bureaus need to delete the item due to inadequate validation, they were given more than enough time to validate ownership of the account with a payment history to the company using my bank account information, anything less than a signed contract with payment to said company is not sufficient validation. It was added again XX/XX/XXXX for {$540.00} XXXX XXXX did not verify that the account belongs to me and all three credit bureaus did not do their due diligence to protect me the consumer.
Debt collectors Proof of Service shows that a " XXXX XXXX '' received the documents at a location which is not my work or my home. Violation of my 5th and 6th amendment rights for improper service. Then they proceeded to get a Default Judgement and levied my bank accounts. 
I called them and they refused to release the funds and demanded payment of the debt in full.They refused to vacate the judgement and dismiss the case if I agreed to enter into a monthly plan. They also would not release the funds that were held ( based on an illegal court order ).
I received a notification today that a collection was added to my credit report in the amount of {$24000.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
I was shocked when I reviewed my credit report and found late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Citi is sending me an unrequested, pre-approved credit card in the mail. I never asked for it. I did n't want it. But, when I called them to tell them not to send it, they said it was coming anyway. 
XXXX I thought credit card companies were forbidden from sending credit cards to people who did n't request them. How can they do this? 
The problem started because I am a XXXX member who has an XXXX through XXXX. When XXXX said the were going to stop partnering with XXXX, I called XXXX. XXXX said that they would not send a Citi card unless I requested it. But, as you can see from the attached XXXX/Citi mail, they are sending one to every XXXX cardholder whether they wanted one or not.
On XXXX XXXX, 2017 a withdraw of {$700.00} was taken out my card from an ATM in another state. I called XXXX XXXX, and a woman by the name of XXXX took down my information she stopped the card and told me she will send a different card. XXXX was the one that told me where it was taken out of. XXXX was transferring me to level 2 to dispute the money, I was on hold for a few minutes the phone hangs up on her end. I try calling back and nothing its been hard. So now I do n't know what to do. I even called social security because the card was provided by them, but nothing all they told me was to call the card. That was my rent money and to buy groceries.
My Stearns loan is being serviced by XXXX. I never had an escrow agreement for XXXX to pay my insurance or property taxes. But they started paying my taxes, unknown to me. I was also paying my taxes. I paid all my monthly mortgage payments on time, but they kept part of it and so did not apply it to my loan. When I called in they would say they did not have proof of insurance so XXXX times I faxed it in, and customer service would say they would correct it. This never happened and so the loan kept showing in arrrears. Even though I have never missed a payment, my due date remained unchanged at XXXX XXXX, 2014. It was placed in default and I eventually had to pay what they said was the balance due to clear it. As a result, my credit was damaged as it kept showing late payments and default. The loan is now current but there is still the erroneous late reportings. I have never missed a payment, but XXXX has grossly mismanaged this account and caused the missed payment reportings to the bureaus.
Over a period a six months, my XXXX mother applied for a large loan from BB & T in XXXX. Over that period my mother was asked to pay for an appraisal fee of over {$500.00} and was led to believe that she was in line for the loan. Over a six month period she was, I feel, led on my a young employee at the bank who played to her motherly instincts. While salesmanship is a part of business, my mother spent thousands of dollars on an apartment under false impression it turns out, that the loan was a mere days away. This process cost her thousands of dollars over a six month span. While this is in no way a predatory loan, I feel that my senior citizen was indeed led on by BB & T.
I previously disputed XXXX accounts to the equifax in XXXX, that was listed under this same company who has changed their name of XXXX and now calling themselves XXXX as a way to keep a debt that was closed in XXXX and discharged XX/XX/XXXX. I am upset because this is showing on my credit as of XXXX and as well as an eviction. I was not evicted out of my home and landlord lost case was dismissed both times he has tried. The landlord at that time for ( XXXX, Tx ) served an eviction to an empty home, even know he knew no one was living there. This account should not be showing as a collection as his debt is not valid. Please see dismissal from the court as well as the discharge from debt showing a previous creditors name. The creditor ( XXXX aka XXXX ), people are taking advantage of me by replacing this information on my name with a different creditor, as well as now i have I 've found out that they are showing XXXX evictions under my name from the same people, all of which are not true. Im not sure why the Equifax credit reporting agency and affiliates are still showing this as a collection on my credit.
Signed up with a promotion code for a checking account at CitiGold. Called mutliple times to make sure the promotion code was accepted and to make sure I reached the minimum qualifications. After not receiving the miles 120 days after the posting date ( it said to expect them by 90 days ) I called to address the issue. 4 weeks and 2 calls later they sent a letter saying it was invalid because the promo code was not addressed to me. However, they never stated that until the minimum requirements were met, I had called at least 6 times, and it was time for them to reward me with the miles. Their customer service was very slow and only about half the people I talked to seemed to understand the dilemma. Had I known it had to be actually sent to me this would be a non-issue but not one person mentioned that.
XX/XX/2015/XX/XX/2015, I received my Macys statement with a balance. I immediatelycontacted Macys to informed them that my card was fraudulently usedonline. The agent told no problem, she will put an investigation on card. 
I told her that I have never purchased from Macys online and I have thecard in my possession, none of my other credit card was compromised. 
I told the last time I used my card was approx. 1 year ago in XXXX. Theagent told me that not to worry about it. On XXXX XXXX, 2015, I receiveda letter ( see attached ) that my claim is not a fraud. I called Macys andagent told me that the investigation was completed. I informed her aboutthe letter, she told me to wait a few days. I asked her when and wherewas the online purchased ... she claimed co access to that information. Itold I live in XXXX and only use my XXXX card when I am in XXXX. Ihave contacted Macys call centre three ( 3 ) without any substanceanswer.
On XXXX XXXX, XXXX I checked my Bank of America account to find that my balance was {$0.00}. There was a HOLD posted for {$2900.00} by the bank. When I contacted Bank of America I was informed that the hold for a judgment and they gave me a phone number to call of a collection agency. I contacted the agency and was informed that there was a judgment against me from XXXX for a medical bill in the amount of {$680.00} ( the original bill was {$250.00} in XXXX ) I then contacted the obgyn office to confirm and we concluded that notices were sent to the incorrect address. I immediately called the collection agency and settled the balance. The agency sent me the documentation which was sent to Bank of America in the amount of {$680.00}. She also faxed me a coy of the receipt for payment, original bill and letter to Bank of America to release all funds immediately. I called the customer service dept at BOA and requested clarification and documentation as to why {$2900.00} was removed from my account when the judgment was for {$680.00}. They refused to provide any documentation to support the {$2900.00}, refused to credit back the additional funds and informed me that I would be receiving a check in the mail in 3-5 business days for {$2200.00} ( my $ XXXX {$680.00} for the judgment ). I explained that I have already paid the collector ( which I have scanned copies from the office supporting the letter to BOA for {$680.00}, the letter to release funds and my receipt of payment to settle the account ) and I can not wait to have the funds replaced. There are several outstanding checks that have not cleared and without those funds the checks will bounce. After over an hour on the phone with BOA explaining the situation to multiple people, they said that their legal department will not speak to customers but they informed the BOA customer service manager that the collection agency 's letter stated to remove the {$2900.00} for " housing expenses '' the judgment was for an XXXX. I informed him that I have a copy of the letter that was sent to BOA as well as confirmation from the employee who issued the letter XXXX stating that BOA was completely wrong. They are still continuing to hold all of my funds. I told them I can understand holding the {$680.00} until the letter has been processed, as these things take time. But I can not understand how they can legally withhold the rest of my funds without cause.
WELL I WAS NOTIFIED BY XXXX XXXX THAT MY CREDIT SCORE HAD WENT DOWN BECAUSE OF AN HARD INQUIRY WITH A CONSUMER WHO SUPPOSEDLY RAN MY CREDIT XX/XX/2018 AND THAT IN FACT WASN'T ME AND I HAVE NO KNOWLEDGE OF WHO DISCOVER BANK IS AND ALSO ON XX/XX/2018 XXXX RAN A SECOND CREDIT CHECK WHICH SHOULDN'T HAVE HAPPEN SINCE I ALREADY HAD BEEN APPROVED FOR A VEHICLE THROUGH THEM AND GOT A CAR. SO I NEED THOSE TO BE LOOKED INTO AS FRAUD AND REMOVED FROM MY CREDIT HISTORY AND PROBABLY A FREEZE ON MY ACCOUNT BECAUSE IT'S STARTING TO FEEL LIKE SOMEONE ELSE HAS MY INFORMATION WITHOUT MY KNOWLEDGE.
I have an account reporting on my credit that I did not apply for. I do not recognize nor do I know how this was originally initiated. The account status is currently showing derogatory in the remarks. The info pertaining to this account does not match any past/ current addresses I've lived, which led me to believe someone obtained my personal information to proceed.
I am a Citi Thank you XXXX user. My card seemed compromised XXXX XXXX, 2015, and I requested card replacement with new account number right away. I needed instant replacement, because I pay my bills and use this card for all purposes with my XXXX other family members. As of today, I have been waiting for 11 days since XXXX, however, I have n't received my replacement card yet. So I contacted customer service to acquire the tracking number for my new card and they replied me back as below. 

We appreciate the opportunity to assist you. 
Our records indicate that your card was sent on XXXX/XXXX/15. If this card is not in your possession, we can process a security closure of this account. For proper security measures and a new account number, please contact us. 
If there is any way we can be of further assistance, please feel free to contact us Citi Card shipped my replacement on XXXX?! I assume the rep should n't be trained to advise customers with that way. There is no apology, and the rep is telling me to replace the card again. He/she does n't get my point and does n't care how inconvenient I, their customer, am with this credit card. 
I do n't know how to reach there supervisor, so I 'm posting my complaint here.