WillisBack/dataset-financial-user-claim huggingface dataset:
I have a mortgage with PNC. I had to declare bankruptcy in XXXX and have since paid off the bankruptcy. The PNC mtg co said l still owed some money for property taxes yet it showed I was up to date with all payments having been paid on time with escrow for taxes and insurance. They insisted there were back property taxes and were able to prove that was the case. I asked for a modification and they directed me to their website to print out all the necessary forms. During this time while l was getting all information together they stopped accepting my monthly payments saying the could not take payments while I was behind but my online account showed me up to date till XXXX XXXX. When they got to four months returning my payments the began foreclosure procedures against the home. I had sent in most of the modification forms, they had me change some several times and just as I got to the final date they said the did not receive a profit and loss statement I sent to them several times on the fax number used for all other submissions. As a result l had to start over. In order to not lose my home to foreclosure l filed for bankruptcy again and resubmitted all the documentation for the modification. The bankruptcy filing stopped the foreclosure, I would prefer not to file the bankruptcy the trustee and my lawyer have held off the filing of bankruptcy by certain language until I get a determination on the modification. They finally rejected my modification saying l did n't have enough income and l could ask for a short sale of deed XXXX lieu. My house has almost {$150000.00}. In equity. I have since then appealed the rejection of the modification on XXXX XXXX, XXXX this needed to be in by XX/XX/XXXXand now the will take until XX/XX/XXXX. I had added a statement from the State of New Hampshire showing they paid me just under {$6000.00} for XXXX this was for child care and I forgot to include it in the list of income for the modification. 

My complaint is noting all of the above efforts the mortgage co. Has run me around after a payoff on chapter XXXX and five years of on time payments the deliberately returned payments made on time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to make me four months behind to foreclose on me. As a result I have had stress, my family has been torn apart my wife and l will probably end our 45 year marriage. Currently we are in the process of listing our home for sale. What this company has done to us is despicable. We were very good customers during the chapt XXXX pay off an the few months after. During the five year chapt. XXXX pay off period the offer XXXX trial modifications both time their terms we set at a time before we received the offer and we could not fulfill the terms although we kept paying the regular amount on time the first of the month for more than the amount offered.
Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying experian of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.
My problem is with getting my insurance payment for damage suffered during Hurricane Irma. My insurance company has issued a check for over {$18000.00} for carpet and flooring damaged during the hurricane. Because I have a Reverse Mortgage thru Reverse Mortgage Solutions ( RMS ) the check is written to both myself and my wife, and to RMS. 
The damage is not structural, but for flooring and carpet damage by wind driven water intrusion thru our sliding glass doors. on our 8th floor condo on the East coast of Florida in XXXX, FL, RMS is going to require us to pay for the repairs and then they will reimburse us after we submit the paid receipts for the work done.They will graciously allow us to borrow the money from them which means I will pay interest on I until I die. If I had that kind of money I would not have need a Reverse Mortgage. 

Since our Insurance Co, has determined we should be allowed this money to pay for our repairs I am asking they be directed to sign the check and return to us. We will send them the paid receipts for the work completed..
Equifax did not adequately protect my information which has led to an embarrassingly large data breach that puts myself and at least 150 million others at potentially life-ruining financial risk.
I am extremely disappointed with how Equifax has handled the reporting of this. Very little was done to notify the public in a timely manner - waiting for over a month after the breach was detected. I received no email, letter, nor phone call and instead had to discover it via the media. That is absolutely outrageous.
XX/XX/XXXX there was {$820.00} taken out of my acct.
I have paid nearly {$800.00} a month for XXXX Loans taken out during medical school. I graduated in XXXX. Since then I have decreased loan by only {$14000.00} according to Navient. And still owe nearly {$130000.00}. 

I am a XXXX XXXX vet. From XXXX XXXX XXXX.
Bank of America has wrongfully, maliciously and fraudulently denied insurance for an auto accident rented under compliant terms as expressed by the bank. The subsequent communication has become more and more anfractuous by the bank as they continue to fabricate lies and misrepresentations about the circumstances and their coverage. They have used this wrongful denial and broken representation to leverage negative credit reports for XXXX people, XXXX of whom were not involved whatsoever in the incident.
I had a missed call from them I called back she started off with an attitude I told her that my computer is broken so I could n't do my schooling I work to much to get to a library and my friends do n't have an extra computer to borrow she told me the balance and she offered {$15.00} a month I said that 's fine no problem but I had to get back to work told her to call me back after XXXX. She called back and I had my boyfriend answer they one did n't asked him to verify my info and they disclosed to him that the call was about a debt. I gave them my okay to speak to him after they disclosed. they were giving him a hard time and he asked to speak with a supervisor or manager and they said no they said that they are not gon na be calling and any more communication will be written .. I never said I wanted that the lady ended call after. we called back and was pretty much begging for a supervisor the male kept saying we were very rude and he wont assist us. and kept hanging up on us. I have recordings of this going on also.
I disputed and requested Validation with Trans Union that I never file bankruptcy in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and also contacted The Bankruptcy Court.
Credit report specifies that I have or had a mortgage along with a few collections accounts that I have never owned or been a party to. My identification has been stolen. Please help as this is affecting my credit rating.
I contacted XXXX XXXX XXXX XXXX about a payoff of the medical bill that I owed to XXXX XXXX XXXXXXXX XXXX. She gave me a verbal and a written letter as to the total if I paid it by such and such a date I mailed my payment in and it was 5 days late and they cashed the payment and agreed to the amount, but in the mean time placed a collection on all 3 credit bureaus, XXXX, XXXX, and XXXX that will now stay on for 2 years. NOT Fair and there is no law that says they have to report anything.

Since then they have not tried to contact me at all so the money was good to close the account but not to stick me with that on my credit.

This is affecting my chance to obtain a loan.

I want all references of this to be removed from my XXXX, XXXX, and XXXX credit file
On XX/XX/18 I sent a {$500.00} transfer to someone using XXXX through my Wells Fargo account. I agreed to buy concert tickets from a XXXX ad and the seller did not transfer tickets to my account as promised. I have the listing and all documentation saved for this transaction. He sent me the confirmation as " proof '' of the tickets. I had suggested using XXXX to do the transaction but the seller said he preferred using XXXX as this was done directly from bank account to account and there would be no issues. After money was transferred he explained to me that he had transferred the tickets electronically to my XXXX account. I did not receive anything and the seller stopped responding and blocked me. I called Wells Fargo within minutes of making the transfer. The Wells Fargo website says that transfers could be cancelled as long as they were still in the pending status. My account said the transfer was still pending so I talked to a representative but she said it was too late to cancel the transaction. She told me that there was really nothing she could do at that point. I asked her what she suggested I do as I believed this to be fraud and she had no answer for me. I have an email address, phone number and name for the seller but have not received any help in this matter. The seller answered a message from my cousin just minutes later saying the tickets were still available. I would just like help from the bank in this situation to get my money back from this thief as they clearly have this persons personal information. I was obviously not the only victim.
On XXXX XXXX, Portfolio Recovery placed a collection notice on my credit reports. This was their first and only action against me. They did not make any attempt to collect this debt from me or gave me the opportunity to dispute it. The facts are as follows : I made an arrangement with XXXX XXXX to repay the credit card debt. I paid it down to {$1600.00} according to the plan. Then I was unemployed with no income for the entire summer. I wrote XXXX XXXX to tell them to stop taking the payment out of my account as it kept being returned for NSF. They complied with my request. 

In XXXX, I applied to XXXX XXXX for a credit increase to fix my house for sale and it was denied based on a " seriously delinquent '' account. When I checked, I saw Portfolio Recovery had place a collection notice for {$1900.00} on all of the credit bureaus. I wrote them a Cease and Desist letter requesting that they remove it but they ignored me. Also, I disputed it but it was not removed. This company never contacted me at any time prior to placing it in collections which violates my rights as as consumer. Also, the amount is incorrect and XXXX XXXX has it listed as a charged-off debt with the credit bureaus. Therefore, Portfolio can not have the same debt listed again with the credit bureaus. This makes it a duplication and lowers the credit score.
I acquired roughly {$5000.00} of debt in XXXX. Within the last couple of months, now in XXXX, payments are being withheld from my paycheck from XXXX XXXX , XXXX My tax returns from the last 6 years have been withheld amounting roughly {$6000.00} because of this. I just received a bill stating I still owe roughly {$8000.00}.
Medical Data Systems has been reporting a collection that they allegedly opened on XX/XX/16 for Wellstar for {$150.00}, but XXXX   does not have any record of a visit or a debt owed. The false reporting to all 3 credit bureaus has had a very negative affect on my credit rating, and I would like it removed. XXXX has confirmed that they have no record of this debt, and that Medical Data Systems is reporting falsified information to the credit bureaus.

My Guarantor ID with XXXX   is XXXX.
I have a open debt on my credit report with tsi Transworld systems yet I can not get a hold of them with the number listed on my credit report and no one ever answers or returns my messages when I choose that option .Agency Original Creditor Open Date Status Balance TSI/XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency TSI/XXXXOriginal Creditor XXXX COLLECTIONSStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Placed for collectionCreditor Contact DetailsTRANSWORLD SYSTEMSXXXX XXXX XXXX, XXXX ( XXXX ) XXXXSee something wrong? 
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I just want it cleared up so I can get a home loan some day and I ca n't even pay it
I closed an account with XXXX. I debt of {$48.00} is owed to XXXX for two days of service. My account # is XXXX. ERC called me and tried to claim I owed them a total of {$250.00}. They sent me fake bills today with the wrong account number # XXXX XXXX as well with the inflated debt claiming XXXX sent me to their collections service. The problem with this is XXXX, the original creditor, sent me a bill today requesting the same {$48.00} they have requested for over a year. ERC sent false paperwork and added false information to my credit reports. They need to remove themselves and all negative information from my credit reports and they need to cease all communication with me in regards to this fake debt.
I paid XXXX medical collections and WAKEFIELD & ASSOCIATES stated I would receive a paid and full receipt upon payment. I have called multiple times and I keep getting the same run around that They have faxed my receipt in which I have not received. I paid with my debit card and have proof of transaction. The phone calls are recorded and should show as proof to our agreement in full. WAKEFIELD & ASSOCIATES have not validated my debt yet they still are reporting these negative accounts.
Hello The bank that i am complaining about is BMO Harris. Well at the starting of the month of XX/XX/XXXX my younger brother Who lives in XXXX asked me for some money. For which I called the bank and asked them on how can I send him the money to which they told me the online bill method can be applied to send him the money The process is simply one needs to put in the address and name of the individual and the bank shall send that person the check on the prescribed address. Well, I did the same wrote him a check on XX/XX/XXXX. My brother never received the check as he was continuously in touch with me. on XX/XX/XXXX while i was checking my bank account I realised that the check was cashed by someone. I called my brother and enquired whether he has received the check and cashed it to which his reply was negative. I called the bank and told them to which the replied somebody did cash it. I told them it is fraud someone else cashed it. The bank told me to come into the branch on Monday t file a complaint whereas they will place a hold on the account. On Monday ( XX/XX/XXXX ) as I went to the bank where i met XXXX XXXX XXXX who happens to be a Personal Banker at BMO Harris Located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. She asked me to fill up an affidavit and get it signed it by my brother and also asked me to get a police number which I did from the XXXX police department. An affidavit was filled, Signed and Notarized and submitted to XXXX XXXX XXXX which she submitted to the bank. It has been almost three months now there has no development to as per my knowledge I applied for provisional credit which was also declined by the bank. I applied for provisional credit which was also declined. I am lodging a formal complaint against the bank as the Money is FDIC insured yet there has been no sort of reimbursement from the bank.
I have been paying off XXXX credit card ending XXXX last week since I am in the process of refinancing my mortgage. But credit Bureaus are not reflecting this paid off. I want credit bureaus to update my credit profile ASAP since it impacts my interest rate. I have attached the proof.
On XX/XX/XXXX I received a notification through my credit monitoring service that my Equifax scored had dropped XXXX points. I checked my report and saw no negative chnages to my report. In fact my balances had decreased and I have no new inquiries. I called Equifax on XX/XX/XXXX and was told that there were no changes for my score to drop that much. Then I was asked if I had recently submitted a dispute and I said that I had. The rep I spoke to told me that disputing an item can drop my score. I was not aware that as a consumer I would be penalized for disputing an error on my report. The customer service rep could not give me additional information regarding this. My call was recorded by them and it can be referenced as proof that this is the reason why my scores dropped so much.
Fed up with XXXX XXXX charging excess overdraft fees I open up a checking account at tdbank. In one month tdbank charged me {$250.00} in overdraft fees and XXXX of them occurred when I was transferring money from XXXX account to another account over the XXXX XXXX weekend. TD Bank twice charged me overdraft fees on the same day I got a direct deposit I spoke to the bank about it and while they promised to refund XXXX of the overdraft fees they still have n't done it. I am really fed up by being ripped off by Bank XXXX XXXX XXXX XXXX and now TD Bank. I am guessing I 'm not the only person who 's really angry about the exceessive fees being charged. I did not receive a bail out for extravagant behavior. I understand about the practice of reordering withdrawals so that banks can charge excessive overdraft fees.
Overdraft protection error through BB & T. When we first opened the account we were told we were not approved for overdraft protection after we signed the paper to apply for it, given to us by the banker that helped us open the account. Over the last month we have been charged over {$700.00} in overdraft fees. We complained numerous times, had endless phone calls with BB & T to try and fix it and got nowhere. Our online banking statement did not match what the bankers statement showed. The information shown on our bank statement was false. The balance in our account showed we had more money than we actually did, resulting in an incredible amount of overdraft fees that shouldnt have occured in the first place, because we were told we werent approved! We were also told, seeing we didnt have the overdraft protection the card would decline if the funds werent available! We had overdraft fees before that we payed, simply because one {$36.00} fee wasnt much to complain about but, this became a big issue on XX/XX/XXXX. We had accumulated an overdraft charge of {$230.00} from the start of XX/XX/XXXX. The overdraft fee was taken out from paycheck on XX/XX/XXXX. Leaving our balance at {$550.00} left from a {$780.00} paycheck. I went into the branch in XXXX XXXX, PA on XX/XX/XXXX to resolve this issue because the claims that were previous opened over this were all denied. I was told there was nothing they could do because we signed for the overdraft protection even tho we were wrongfully told we werent approved for it from the start. After recieving a print out of my bank statement I saw I had another negative balance of {$220.00} as of XX/XX/XXXX. I totaled up my transations from this time period and saw I was wrongfully charged for 6 overdraft fees, totaling {$210.00}. On XX/XX/XXXX I went to the branch in XXXX, PA to resolve this issue and was shown that my balance of {$550.00} was not correct. I only had {$350.00} in my account which was the result of the {$210.00} overdraft fee. Ive kept track of my balance, watched my transactions and still got these fees because my balance given to me through online banking was not accurate. When I asked to see the statement that the teller could see, I was told the information was confidential and only for their use. I was told to keep better track of my purchases. Why would they have not shown me in online banking that my balance was only {$350.00} due to other overdraft fees that showed to be already taken out? It already had listed the overdrawn purchases were cleared and taken out but it didnt show the updated total. They clearly scammed me, and I am not the first person to complain of this " glitch ''. I have not been able to pay my bills for the last 2 weeks and my family vacation was canceled because of this issue. There is no way they can legally get away with doing this.
XXXX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST XXXX, XXXX XXXX   AND RENT RECOVER LLC.
I borrowed to fund my sons ' education. FedLoan Servicing processed my repayments. I refinanced the loans and they were paid in full ( XXXX XXXX on XXXX XXXX, 2015. Due to the processing of a direct debit while the payoff was in process, I overpaid FedLoan {$1000.00}. I have been unable to obtain a refund of the overpayment, despite multiple contacts with FedLoan. FedLoan has claimed on multiple occasions either : ( 1 ) that a check has been sent to me ; or ( 2 ) that FedLoan has arranged for someone else to send a check -- but I have never received anything. Please help me obtain a refund of my overpayment.
-Hello, my concern is my loan was transferred to Nations star XX/XX/2014 from XXXX , my loan was current at the time of transfer. The problem that i 'm currently having is Nation star continues to add extra fees with no fact onto my loan and this has increased my payment by over {$200.00} a month., when i ask them about it or to show me proof of this, then only send back the escrow analysis. I 'm sick of these lenders trying to get over on consumers. My Goal is to one day pay my mortgage pymt off not to pay for a CEO 's salary. This overage has been going on now for over 1yr without any break downs as to how they came up with this figure.. I have paid 3 times over XXXX that was included in my loan when XXXX had my loan I refuse to have this Happen with Nations Star.. I 'm a single parent trying to keep a stable home for my son and the extra fraudulent fees are keeping food from my table.. I would like a complete financial break down ( not an escrow analyze ) but a visual break down from the time N.S. purchased my loan from XXXX to current as to why you have added a shortage spread to my loan # XXXX. Why would I have a shortage Spread on a loan that 's current and was current when you purchased my loan from XXXX XX/XX/2014.. This complaint is for Nationstar and XXXX, There is no Shortage Spread Nationstar quit defrauding consumers!! I have reached out to Nationstar several times for an explanation but i only received the same Annual Escrow Account disclosure statement with no true fact.. HELP!!! PLEASE!!! 
Regards XXXX XXXX
I consolidated a previous loan I had so I could get a lower interest rate. When they paid off the original loan they typed in the wrong amount and it ended up leaving a balance on the original loan. I had received a letter in the mail telling me they had to reopen the original account because there was a balance due. This happened in XXXX 2014. When I brought it to my bankers attention he said he would look into it. My calls were being ignored and I kept getting the run around. When he found out what happened he told me I would have to pay the balance off and I said no I was n't because it was their error not mine. This is still not settled and has been going on since XXXX. I also filed a complaint with the XXXX in XXXX. I recently sent documentation with my last response that showed it was their error. They still insist I am in the wrong which I am not.he new loan was set up with auto pay. My payments have been on time with sufficient funds to cover each payment. 
On XXXX XXXX I had more than enough in that account to cover the payment but they only took a partial amount on then XXXX and said I had insufficient funds. From that point on it has been a nightmare. This is causing me great frustration and stress. 

If there is anything you can do to help me I would be so greatful. 

Please contact me if you need anymore information. 

Thank you