WillisBack/dataset-financial-user-claim huggingface dataset:
We got XXXX XXXX tax forms from HFC with XXXX sets of numbers, I called HFC and they told me that their company has sold all their mortgages to a company called XXXX XXXX. so I explained that I should call this company they proceded to tell me that they have n't received any paperwork from HFC that we would have to wait at least 3 weeks or so I explained that we were doing our taxes because we were going XXXX and needed to get them done, he said that wasent their problem, I explained that I spoke to the IRS and they told me to send in our taxes and I explained that if we were audited that they would be responsible because this is what the IRS told me to tell them the gentleman from XXXX XXXX told me to get a lawyer.he was very nasty.When we got a mortgage loan in XXXX from HFC they took out XXXX for our loan payment everyweek through XXXX.they told us if we pd weekly that we could pay the loan off much quicker, then we purchased a new vehicle in XXXX XXXX and financed that loan through XXXX in which HFC ended buying them out then HFC bought out XXXX out.So that is how HFC ended up with our car loan.We did not know this until we went to sell the vehicle that HFC had purchased XXXX, but HFC did not keep the accounts separate they added the car loan as a remortgage, So that is why they still have us owing XXXX for a house mortgage.Then this past XXXX they added XXXX XXXX XXXX to the same loan for taxes, we always have paid our own taxes, we did n't have escrow.They ended up paying somebody elses taxes and added it to our loan.The family that they pthey said they paid the taxes paid their own taxes, they are n't even mortgaged through HFC.This has been going on for years.I am about ready to stop all paynents to this company.They have scammed people over and over, Thant is why they are probably going out of business.We are about ready to get an attorney.I asked for the document from XXXX to now I got the documents for every month except the month of XXXX XXXX those are the documents I asked for and have asked for for years and they have n't sent them.Everything I have faxed to them they said they never received them.
I have been a victim of Identity Theft since XXXX XXXX, XXXX. I submitted complaints against other credit card companies to warn them about my situation. On XXXX XXXX, XXXX, I submitted a complaint against Capital One in regards to XXXX. I told Capital One that NO one named XXXX living at the XXXX XXXX, XXXX XXXX, CA. I would like Capital One to remove XXXX from the mailing list and STOP sending XXXX mail at this home address. Today XXXX XXXX, XXXX, Capital One is still sending me mail at my home address after I told Capital One to STOP harassing me. Capital One refused to remove XXXX XXXX from the mailing list. Capital One is still harassing me and continues to send me unwanted solicitation mail in my mailbox. I want NOTHING from Capital One. All I want is to STOP the harassment. PLEASE remove XXXX name from the mailing list now and immediately at this address. PLEASE STOP sending me mail in my mailbox. I will consult with my lawyer to seek a possible lawsuit against Capital One for repeated and unwanted blatant harassment after I warned Capital One that I do NOT like to be harassed. Capital One refused to follow my simple instructions and continues to harass me by sending me unwanted solicitation mail in my mailbox. PLEASE STOP sending me unwanted mail now. PLEASE remove XXXX name from the mailing list.
XXXX / Citizens Bank, N.A. adds fees for additional insurance to my mortgage year after year. Year after year I 've requested the additional insurance removed, completed all required forms and submitted all requested information. I had been advised the insurance would be removed when calling after confirming I met all their requirements in prior years, but the insurance was not removed. This year a law firm has become involved, I 've made XXXX attempts to submit the forms, only to be told today that the address that Citizens Bank provided was incorrect. I am now being asked to complete and resubmit forms a XXXX time. The additional cost of the insurance is significant each year, and with the FEMA flood insurance increases in addition to our own personal home owners insurance that is required seems excessive. Each year I have gone through this process of sending forms after forms, then call after call I usually get told it will be removed, but never has been. I do n't feel that their practices are appropriate, their process is nearly impossible especially for someone working full-time and I feel their information is deceptive. This additional insurance requirement was added later after loan origination, disclosures sent, but again obviously they do n't want to enable a consumer to remove or reduce this added insurance no matter how much additional coverage the homeowner has on the personal policy.
They ( Synchrony Bank  - Amazon Credit )  call multiple times per day 7 days a week. Sometimes calling more than once in the same hour. They have never left a voicemail. The calls are so intimidating, I do n't even want to answer the phone to discuss my account with them.
I have a credit freeze with the bureaus due to extensive identity theft. I have no difficulty lifting my freeze with XXXX or XXXX, but no one is able to pull a lifted report from Equifax. I will receive written documentation and verbal confirmation from Equifax indicating the lift is in place, however anyone who attempts to pull credit receives the following message : " bureau error, no data to display '' with a numerical value of " XXXX ''. The companies attempting to pull credit have indicated the message regarding frozen credit should appear when frozen, and the numerical score should appear when the freeze has been lifted. None have confirmed receiving this message when an individual has a freeze in place. This message was received from Equifax, both when the credit was frozen, and the lift was in place. When I questioned this, Equifax indicated this is a normal message due to the freeze and should not appear when the lift is in place. When they are questioned why the message continues to appear when the lift is in place, each Equifax representative provides the same answer, " they ( company attempting to pull credit ) do n't know how to pull credit ''.
Experian refuses to remove inaccurate information from my report and they refuse to give me names of who investigated and how they did such investigations. They refuse to send me signed contracts and documents they have on file for me. I 've asked for this information multiple times. I have no knowledge or contracts with any of the said accounts : XXXX, XXXX, XXXX, XXXX, and XXXX. They are reporting XXXX amounts XXXX on my report
XXXX XXXX XXXX  managed by Capital One offers 6 months same as cash. I found out recently that within the last 2 months of the 'Same as Cash ' promotion period, payment funds are applied to the Same as Cash balance, which will cause any regular balance to have interest charged. This has happened to my account on 2 separate occasions. I noticed the following notification on my billing statement : How payments are applied to your account : We apply the amount of your payment equal to the Minimum Payment Due at our discretion and generally to the Minimum Payment Due calculated on each credit plan. We apply any payment in excess of the Minimum Payment Due on your account to higher APR balances before lower APR balances. If you have a Same As Cash Credit Plan ( s ), we will automatically apply payments received during the final two complete billing cycles and up to the date of expiration first to the required Minimum Payment Due and next to the plan ( s ) that is expiring, in order of expiration ; at other times, we will treat your Same As Cash Credit Plan as having a 0 % APR for purposes of determining payment application. 

Based on the information above, technically, I need to have a XXXX  regular balance otherwise, any payments will be made to the Same as Cash, which will cause the Regular balance to have interest charged. 

For example : I make a purchase for {$600.00} and select 6-months same as cash. I decide to pay $ XXXX/month until it is paid off. Each month I pay any additional purchases balance, plus {$100.00} dollars. This works without issue until the 4th month of the 6-month Same as Cash, because payments will be applied to the remaining {$200.00} of the Same as Cash balance first. So if I have a Regular balance of {$500.00} and pay {$600.00} ( $ XXXX+ {$100.00} [ monthly same as cash ] ), {$200.00} will be applied to the Same as Cash balance, leaving the Regular balance of {$100.00} in which I am charged the regular APR rate. This in effect means that I don't have 6 months to pay off the remaining balance. 

With both occurrences, I spoke with Capital One and they reversed the interest charges, but many people may not have caught this and were charged interest.
I have requested information/validation on the debt bearing my signature from CONTINENTAL FIN CO acct # XXXX on XX/XX/2016,XX/XX/2016,XX/XX/2016. They have not responded to any of my letters nor have they provided me any validation. They also have not requested that the XXXX major credit reporting agencies add a statement of dispute to my credit files. They have violated the law by not responding or adding a dispute statement to my files.
Applied for Mortgage assistance with Fay servicing and recieved and offer of a loan modification by phone on XXXX/XXXX/15 and recieved written offer on XXXX/XXXX/2015. The new mortage payment under the TPP was more than I had been expecting at almost fifty percent of my take home pay. I consulted with my housing counselor who was unable to determine from the modification offer letter the type of modification i was being offered. My housing couselor then contacted my assisigned specialist at Fay servicing to enquire about the offer I had recieved. The specialist informed him that it was a propriortory, that the HAMP modification had been denied due to insufficant income and insufficant yeild. When my housing counselor asked him if a denial letter had been sent, he was told that no letter had been sent to me because they were able to offer me the propriotory modification. Because I was not sent a denial letter, and therefore did not know that my modification offer was not a HAMP, I was unaware of oppurtunity to appeal HAMP denial. Fay servicing specialist has advised me to appeal denial at this time however if a denial letter had been sent to me at time of HAMP denial, I could have appealed sooner and avoided delays in modification process.
I disputed accounts listed on my Transunion credit file. Transunion has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Transunion has exceeded the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA. They are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter promptly.
I had a $ XXXX Home Equity loan taken out with USAA.com five years ago. The interest rate I received at the time for the loan was 4.49 %. 
This month, the HE loan was converted to a fixed-rate loan, as had been expected after the first five years. What was not explained to me was that they bumped up my interest rate by 250 %, to 10.35 %!! When I asked about this possibility several months ago, I was told it would " depend on market conditions. '' Clearly, interest rates have not doubled since I took out my HE loan, and nothing else about my credit history ( which is excellent ) has changed! 
I 've been the victim of 'bait and switch '.
I have a account with XXXX other pnc users but after alittle while i noticed money missing i ask the XXXX pnc users and the said money has disappeared and when we look it up online it shows where it has bin tltaken out but it doesnt show witch card number i had atleast XXXX dollars in this card and for it just to be gone and not able to do anything is outrageous can u help please and thank you.
Equifax is reporting inaccurate information on my credit report that is a violation of the Fair Credit Reporting Act. 

I disputed XXXX XXXX XXXX XXXX accounts on my credit report, XXXX and XXXX and the accounts were never marked as in dispute. This is a huge violation of the Fair Credit Report Act where I can be entitled to {$1000.00} for each violation. Please delete XXXX of these accounts from my credit report. 

Another big problem is that Equifax continues to report XXXX Chapter XXXX bankruptcies on my credit report which is a huge mistake. How can that be possible? Chapter XXXX Bankruptcy with docket number XXXX states it was dismissed so why is it reporting on my credit report? 

In regards to Chapter XXXX Bankruptcy docket number XXXX, they are listing the asset amount and exempt amount as {$0.00}. That is so incorrect. How can they get away with reporting this inaccurate information when I have disputed it multiple times with them? 

Now for the biggest violation of all. 

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1200.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX, XXXX Balance : {$5700.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1500.00} Court : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX Balance : {$5600.00} All XXXX of these judgments need to be deleted from my credit report.
on XX/XX/XXXX i was a victim of a data breach involving XXXX. then agian in XX/XX/XXXX with XXXX XXXX   and equifax..letters, police reports and ftc idenity theft affidavits were submitted to all three major credit reporting agency.on XX/XX/XXXX. i recieved an update from XXXX showing the removable ( deletion ) of the fraudulent accounts, report number XXXX-XXXX-XXXX from XXXX. in XX/XX/XXXX equifax and XXXX placed the accounts back on my report dropping my credit score from XXXX to XXXX without authorization.this is a clear violation under the laws of the frca section 605 ... blocked information accompanied by a police report can not be re posted.agian the CRA failed to send me any verification from the furnishers.this is a violation according to title 15 u.s.c section 1692 ( b ) of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about ANY DEBT, 1.they must have a post judgment from a court of competent jurisdiction, or 2. prior consent from the consumer giving express consent rto a court of competent jurisdiction.this is a violation of the New York General business law sect.349- DECEPTIVE TRADE ACTS, section, 380s- identity theft, title 18 u.s.c 1028.also Title 15 U.S.C. 1632- Form of disclosure ( 2 ) Creditor to provide contracts to the bureau, as defined under title 18 U.S.C. section 1030- Access. the reporting agency did not follow laws under title 15 U.S.c. 1681s-2 ( a ) -Duty of Furnishers of information to provide Accurate Information.
The company has been calling my florida cell phone number multiple times per day, against state calling laws, despite me warning them previously. Just for example, I have received more th an one ca ll per day from  XXXX   XXXX  every day with the exception of the  XXXX .
As a judgment against me, case # XXXX out of XXXX XXXX XXXX XXXX, is listed, but lists the account status as " Unknown. '' I have been denied housing and utilities on more than one occasion in past due to this record being inaccurate. As a public record, anyone can see that the debt has been satisfied, paid in full, in XXXX of 2012. As it seems that the credit reporting agencies do n't have the time to investigate what they report, I would appreciate the help in urging them to do so.
I ask navient to prove that I took out the loans. It went to several collection agencies all could not provide me copies of the signed paper work. When this happened Navient went to a different debt collector. I reported this to the credit agency and they removed it from my records and said that Naviant failed to provide them with evidence. And navient just resubmitted these loans as unpayed and late to the credit agencies again. How can they do this.
My mortgage was initially with Bank of America. In 2007 Bank of America transferred our mortgage to XXXX. In checking my credit report. My mortgage is being reported as XXXX times 90 days late in 2007. Our mortgage was never late!!! We paid Bank of America on time each and every time. They or XXXX is falsely reporting this. Also, it is listed in 2007. When XXXX got the loan they began charging us approximately {$690.00} per month in PMI on a XXXX dollar mortgage. This has to be against the law and unethical at least, price gouging a consumer. I have tried numerous times to get this straightened out with XXXX but never get anywhere. I feel we are being held hostage by this mortgage company who then just in the last two months has transferred our loan again to someone called XXXX. I have asked for our original mortgage documents, they said they would send them but I have not received them. This has been one month ago. I had never seen the late reporting from Bank of America until we went to our credit union to refinance our mortgage because we ca n't afford the payment which continues to go up and is now at {$1900.00} per month because of the PMI. Our loan officer at the credit union could n't understand why my credit score was in the 600 's until she kept looking and found the 90 days late for XXXX times being reported from Bank of America!!!! Help!!! How can I get this removed, it is false and damaging information.
I was offered XXXX Thank you points from Citibank to open a CitiGold checking account in late XXXX. After finally taking advantage of the offer, I called to verify with Citi the first week of XXXX XXXX to verify that in fact I would receive the bonus points as I knew this account costs {$30.00} each month and I did n't want to waste my money. Just to further verify, after I transferred money to the account on XXXX/XXXX/XXXX I decided to get that verification in secure chat to add to my documents. The representative then verified what I would need to do to get those bonus points and I took the screenshot. Citi is now not honoring these points after already withdrawing {$60.00} from me for the monthly fees and saying I have to provide proof of the initial letter in XXXX. Good grief, a letter from XXXX? I feel that Citi is gathering fees and when it 's time for them to pay their end of the bargain, they reverse course.
I went to the Bank of America on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX at XXXX today, XXXX/XXXX/2016. 
My mom and my sister double counted the cash I was depositing right before I went into the bank, it totaled {$10000.00}. We have counted and triple checked the amount was correct. When I got to the teller to deposit, I told the teller ( Tlr XXXX ) I am depositing {$10000.00} and gave her the deposit slip. Then I gave her XXXX envelopes, each containing {$5000.00} each. The white envelope had paperclips, each paperclip totaled {$1000.00}. 
1st paper clip : XXXX x {$100.00} 2nd paper clip : XXXX x {$100.00} 3rd paper clip : ( XXXX x {$20.00} ) + ( XXXX x {$10.00} ) + XXXX ( x {$50.00} ) 4th paper clip : XXXX x {$100.00} 5th paper clip : ( XXXX x {$50.00} ) + ( XXXX x {$20.00} ) + ( XXXX x {$10.00} ) + ( XXXX x {$100.00} ) The yellow envelope had a rubber band around all the XXXX x {$100.00} bills. The teller took out all the cash from the envelopes and separated the money. She separated by different bill amounts, {$100.00}, {$50.00}, {$20.00}, and {$10.00}. I could n't really see what she was doing behind the counter. I had to look over to the machine to see it was {$9600.00} before she said anything and then I asked her, it 's short? And she said yes, it 's {$9600.00} instead of {$10000.00}, I became concerned and called my mom. And I asked her to run it by the machine again. I leaned over to look and she separated the bills and let the machine count each {$100.00}, then she added the {$50.00} and {$20.00}, etc., counting each bill separately which I found weird. I can barely hear her speak, I had to ask her what she said two times. 
She asked me to change the number on my deposit slip and to initial it. I could n't help but think where did the {$370.00} disappear to?! We had counted it over 10 times, by XXXX different people right before going to the teller. Everything was in the envelope and inside my fanny pack that never left my body, and it added up to {$10000.00}. I left the bank thinking maybe it 's at home?? I would 've never thought it could possibly be the teller stealing. Then maybe it could be the machine that counted incorrectly. I called the bank and a lady named XXXX stated to call back at XXXX XXXX or they will call me back when they have counted their 'drawers '. XXXX XXXX came, and XXXX called me stating the cash were counted correctly to the transaction, matching the amount in their system. 
Then that 's when I started thinking what if the teller had taken the money, it would n't be in the drawer. I started googling instances where teller would steal the deposit money and a lot of the situations came up and XXXX in XXXX where a teller working at XXXX XXXX was arrested for. I started to worry and I 'm afraid that branch would not assist any further especially when I was accusing the teller of stealing. I wanted them to look at the surveillance camera. Please help to look into this Bank of America branch, XXXX XXXX XXXX, XXXX. Thank you
I over paid Citi Bank $XXXX on XXXX XXXX XXXX and I have been trying to get my over payment returned to my checking account since I learned of the situation and I contacted them on XXXX XXXX XXXX and I was sent a check which was non-negotiable because it was issued to a business that has not been in business for 5 years. I called Citi Bank about this and I was told that my money would be back in my account by XXXX XXXX or XXXX XXXX XXXX. However, so far I do not have my money. I talked with a man named XXXX this morning and he told me that my refund was approved yesterday XXXX XXXX XXXX and that I should have my money in 3 to 5 business days. What gives any money institution the right to play someone else's money for a month without paying interest as I would be charged by them if I were late with my payments?
I currently have a card open with JCPenney through Synchrony bank. On XXXX XXXX, I submitted what I thought was my full minimum payment of XXXX. I asked the cashier to confirm the amount and she said that she could not. I am now being charged a XXXX late fee because according to Synchrony I still owe XXXX of my minimum balance ( because it was really XXXX that I should have paid. ) Also according to Synchrony I did not make a payment. So now I have a late fee and a black mark ( my account is now delinquent ) on my record because Synchrony is citing privacy concerns that will not allow the cashiers at JC Penney to confirm the minimum balance due ; essentially they are setting it up so that the customer accumulates lates fees.