WillisBack/dataset-financial-user-claim huggingface dataset:
I have lived in my home for 30 years and am in danger of losing it at auction due to the actions of my lender Caliber Loans. I have endured extraordinary hardship and have slowly rebuilt my life and situation. However, Caliber has refused to open a review of my current financial situation, has not assigned a case manager or dedicated contact and has told me the only options is to short sale or reinstate the loan in full, which is not possible. I do n't understand how they can refuse to even CONSIDER working with me or helping me or looking at my current financial situation, which has changed considerably since my last review. They received millions in bailout dollars, I thought they were supposed to look at my information and give me a chance. 

I refinanced into this loan in 2007. A little over a year later when my wife turned XXXX she decided to take off and go on the road as a XXXX, abandoning me and the kids. XXXX. There were long periods of unexplained absences and several months later I had divorce papers drafted. XXXX At that time I had been taking care of the kids and making the mortgage payment since she had deserted us six months earlier. However the police came and we went to court. I could not afford an Attorney and my wife was granted XXXX as well as control of the house. I was forced to leave the house and my kids and had to move into an apartment. My employer found out about the XXXX and I lost my job as well. I eventually found a job XXXX and had to XXXX in my spare time to sell it in order to keep myself fed. I obviously was not in a position to make the mortgage payment. 

During that time my wife never made the mortgage payment, and let the house, the lawn and the pool go. I started my own company doing right sizing -- I am brought in to save them money and have slowly built this up into a good income source. I fought the XXXX and was eventually able to get back into the house and was able to get wife out and divorce finalized. I tried to put my life back in order XXXX step at a time. I contacted XXXX to see what could be done and at XXXX point I was apparently offered an interest only modification. I found out about this after the fact, I did not see the paperwork until the offer had expired and I suspect that my ex wife who was still lurking around at that time had something to do with that. 

I have tried since then to re-engage with Caliber and have not made any progress. My business and income have continually increased and now my son who lives in the house is working as well and contributing his share. If Caliber were to actually take the time to review me for all retention options, something they are REQUIRED to do due to their acceptance of government bailout funds they would see that I fit into guidelines for assistance. Their continued refusal to even give me a seat at the negotiating table is outrageous.
On XXXX XXXX, I sent Equifax a letter requesting that they correct errors on my credit report. Over thirty days have passed, and I have yet to receive a response of any kind.
I was contacted by XXXX about a credit card opened in my name that I never applied for. 

I informed them I was a victim of ID theft and made every efforts to resolve them. they informed me it was a business account that was opened under my social security number. 

I do not own any business of such sort and not aware of this but all efforts to have them investigate and remove this from my name has proved futile. 

I even enrolled in a credit repairing company ( XXXX XXXX XXXX ) to help me resolve this and despite their numerous letters and request for XXXX to investigate and resolve the issue still proved futile. 

I had personal accounts with XXXX before this incident and they revoked all my other credit cards I have with them. I ensured I paid all my legitimate credit cards in full with them after they revoked all their cards. I need them to investigate what actually happened and remove this from me because it is affecting me tremendously and impacting my possibility of getting any credit.
I am a XXXX, so I often spend periods of up to 9 months out of the country while I am on a ship. While I was at sea, I wanted to fix my credit, so I paid everything outstanding off. When I got back to shore at the end of 9 months I went to buy a car. In XXXX I went to XXXX XXXX of XXXX Mississippi and bought a used 2013 XXXX XXXX. They said that although I had nothing negative, and a {$2000.00} down payment, I didn't have enough positive credit to finance a used car. I said there must be something they can do, so the car dealer called Credit Acceptance. First of all, I believe the loan amount is not what I agreed to pay. The car itself was around {$4000.00} on the lot, and the financed loan amount according to Credit Acceptance is more than {$13000.00}!!! OK, so I called and told Credit Acceptance about it, and they said it would get straightened out and in the mean time I should continue making payments. Every time I would call and let them know that I thought the financing amount was wrong. They accepted my payments, and accepted my payments. I even paid a bit extra trying to pay down the loan. This continued for several months until one month I went to go pay and they wouldn't accept my payment - they said they were no longer handling my loan anymore and provided no additional information!! They didn't contact me, they didn't tell me who I needed to start paying, they couldn't tell me my payoff amount or anything - they just said they were no longer handling my loan. Not only that, they said the amount I paid early they had made a check and sent that back to the dealer, XXXX at XXXX XXXX!! I called the dealer, and they said that Credit Acceptance had sent them a check for the difference in my payments! They didn't say how big the check was, or if the car was paid off. I emailed the dealer trying to get something - anything - in writing, and I got nowhere. I can see on my credit report I have a XXXX point drop, as I was trying to refinance at the time and was completely unaware that my loan was being sold. I am very upset at Credit Acceptance for selling my loan, sending the DEALER back my " overpayment '' and not notifying me AND doing nothing to straighten out the wrong loan amount. I would like to OWN the car but at this point I don't even know who to pay!! Although I once talked to XXXX on the phone, he said to email him, so I emailed him and he never responded - I have tried to call repeatedly and not gotten through to XXXX again. Another issue is I was charged a title transfer fee and I believe I was charged twice - once at the dealer and then again when the same amount was rolled into the financing. I am currently at sea, and can't even drive the vehicle and very annoyed that they sent my " overpaid '' money to someone and won't even tell me the amount or how close I am to paying off the loan. This situation is outrageous! Please help!!
I asked to see the contract that I signed stating these were medical bills that I owed ( had insurance ). They told me these were my debts and a contract was not needed to confirm this. I think that is against my rights as a consumer
I have been locked out of my XXXX account since XX/XX/2017. I still need access to my XXXX  account to run the cost basis for 2017 taxes because CoinbaseXXXX sent a XXXX to the IRS and I did most of my trading in XXXX. Can you please help me regain the ability to log into XXXX and regain trading abilities so I can run these reports and not be penalized by the IRS. 

Currently, I get an " An error occurred. Please contact XXXX support. '' message when I try to log in to XXXX.
I received a letter for writ for garnishment. I 'm not even sure what the debt is.I have a phone with limited mins.and no other form of reaching these people.. I live on very limited means, and there asking for 25 % of my   XXXX   XXXX  ,   XXXX   XXXX   check.. I simply ca n't live with that.. I need help!!
I scheduled my payment in XX/XX/XXXX for my XX/XX/XXXX payment - I made sure to transfer the funds to my bank account on XX/XX/XXXX to ensure they were available for the scheduled payment ( I can show proof ) I thought all was fine. Today I log into my bank account and show funds are still there I log into my PayPal account and see the payment was not process and because of that was accessed over {$200.00} in interest fees - I called and complain spoke with Manager XXXX XXXX she basically brushed it off and said doesnt show scehduled payment and will not reverse the interest- I advised her I would be filing this complaint as I did what I was required to ensure no interest was charged - she understood and still would not reverse wrongfully charge interest.
I have had several issues with my Chase Freedom credit card. 

1. A couple of years ago I discovered a service attached to my card that i had never authorized. It was charging an additional 1 % of my credit card balance as some kind of " account protection ''. An example of this unknown service would be " payments would be made to the card I was incapacitated and unable to make my payments. This service subsequently increased my 12 % APR card to a 24 % APR Card. 

2. In the last year I have found XXXX transactions on my account and billed using " Online, Mail, or Telephone transaction ''. I disputed these charges and was rewarded my money back. This was some sort of business institution charging this card. To me it appears that Chase is performing these charges on user 's accounts and charging interest on these fees. 

The actual transaction : [ XXXX XXXX DEDUCTIBLE Adjustment Hide details about this transaction This transaction posted on XXXX XXXX, 2016 Additional merchant and transaction information XXXX, PA XXXX US Online XXXX Mail, or Telephone transaction ] I asked the chase representative if they would perform an audit on theses charges. They seemed very dismissive with me. Meanwhile other people have been charged these finance charges and paying interest on these charges. 

To the best of my knowledge this has not occurred on any other account. My perception of this is Chase is performing these transactions to generate revenue and fees.
XX/XX/2018 I contacted Americollect in response to a claim I owe a debt to them I asked that they validate their claim, after no response they posted negative inaccurate incorrect information on my credit profiles I disputed again and filed a complaint with CFPB, I received a letter claim to be an itemized list for a XXXX XXXX XXXX with the balance reporting {$0.00}, I DO NOT HAVE A DEBT WITH AMERICOLLECT
I have multiple inquiry entries that I did not initiate, nor give permission to release any of my credit information within my credit profile, the entries are as follow : 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XXXX XXXX 6. XXXX. XXXX 7. XXXX XXXX XXXX 8. XXXX. XXXX XX/XX/XXXX, XXXX 9. XXXX XXXX XXXX
I had purchased a sears credit protection plan effective date XX/XX/1998 with group policy number XXXX and XXXX with certificate number XXXX for account number XXXX would cover my balance my account if I get unemployed or XXXX. unfortunately I became XXXX and I notified the insurance company what just happened and become XXXX. and next thing I know I have a collection agency after me.
I have been trying to get a loan Modification from Caliber Home Loans since XX/XX/XXXX. I have repeatedly filled out applications per there request. They just sent a denial letter stating I was ineligible for any short term loans or interest only loans. I was supposed to be being evaluated for a repayment plan. Now I have to start all over with an appeal process and they still wo n't accept my payments!! 
There are discrepancies on the statement they have n't addressed. It says I accepted a loan modification in XX/XX/XXXX - I have never signed nor seen a modification document from them. They have payment reversals listed which I have no idea what those are for and they sent {$600.00} to my ex wife who is n't supposed to be on the loan anymore.
During the life of my car lease with XXXX XXXX they kept pilling credit reports which show up on my credit score. Out of 3 years i had 1 late payment.
I was in collections with " XXXX '' and XXXX for some time but since then I have paid it in full, Transunion still says it is in an open status. It 's not
To Whom it may concern, Name : XXXX XXXX XXXX ; Account ending : XXXX My name is XXXX XXXX XXXX and I understand that I have completed the requirement for the promotion, to receive XXXX points as it was advertised on the XXXX bank website. I did apply and was approved and I did spend {$XXXX} to full fill the terms of the bonus points but instead I got only XXXX. When I contacted customer service they demanded provide them with direct solicitation mail. I believe if city advertising XXXX points online they should be able to track customers who have applied online following their add. 

I am asking Consumer Financial protection agency to investigate this incident which sounds like a false advertisement. I am asking XXXX XXXX to honor their promise and honor XXXX bonus points. 

Thank you for your time, XXXX XXXX XXXX
Contacted Citi about a charge on my account and they are giving me a complete run around. Already confirmed with the card network issuer ( XXXX ) regarding issue and they confirmed dispute is valid and eligible for a conditional credit which Citi is refusing. Called at least 10 times with no success
Bank of America unjustly closed my account. I was responsible for the balance and was in good standing with the bank. It was a guarantee placed by the bank that once my balance was paid off, my account would be open and in good standing. This was a bait and switch and closed my account IMMEDIATELY after i paid over XXXX off. They are also not reporting to any consumer agencies ( XXXX, XXXX, XXXX ). By law, this positive information needs to stay on file, for 10 years, even if the account is closed. They need to reopen my account and also report my positive credit report history. I will make sure CFPB publishes this experience, I will also open additional complaints with appropriate agencies such as the FTC and attorney generals office and contribute to the ongoing investigation XXXX is carrying out with Bank of America 's abusive service practices, specific to their bait and switch operation in luring a customer to pay off full balance at once and close the account. Bank of America continues to attempt to derail my efforts anytime I call in.
I am extremely disturbed with US Bank because they done everything in their power to not settle wit me. I wired {$19000.00} to US Bank on XX/XX/XXXX and was promised a settlement to satisfy my debt, however for a whole year US Bank was holding my money and was never applied to my loan. To make matters worse US Bank continued charging me interest on the {$89000.00} and late fees despite receiving my {$19000.00} on XXXX XXXX, XXXX. They misled me to believe through a recorded call that I was going to received through mail my settlement but that never happened. Instead they XXXX by just deducting {$18000.00}. from the {$89000.00}. Also after US Bank confirmed that they had received the {$19000.00} I was asked to pay an additional XXXX on XXXX XXXX, XXXX and another {$300.00} on XXXX XXXX, XXXX. According to US Bank it was for all the fees and cost still pending from my settlement documents. I am livid because they kept prolonging my paperwork settlement after I had explained and provided proof to them in regards to the money I had send them. US bank knew the money came from the severance package my husband received due to his work injury and his new income was only going to be XXXX % of what he used to maker. Moreover, they knew my home was underwater therefore I was unable to refinance to combine both of my loans which is why they decided to settle the debt with me for {$19000.00}. I am asking for justice and help a\because they fought and deny I had made the XXXX despite making it in they branch. Finally, they applied it because I mention I would be filing this complaint but still did not settle the account. Please help me get this straighten out because they already have all the money I had saved.
In 2005 I filed bankruptcy and my student loans were discharged. I never dealt with Navinent and I am constantly received numerous harassing telephone calls about fake loan forgiveness and other XXXX. I am called several times a day. The student loans were paid by the Colorado Student Bond Authority. There were no exceptions in the bankruptcy discharge regarding student loans. I am sick and tired of the harassment. The U.S. Department of Education said that they were above the judge. I am not sure of who the lender is anymore. I do not know if this was a private loan or a Stafford Loan. It was paid off by the Colorado Student Bond Authority.
I opened a checking account at Suntrust Bank with my mom on XX/XX/XXXX because my sister was stealing my mom XXXX with the other account she had opened with my sister. I tried to access the account online on XX/XX/XXXX and both accounts were listed. That is not a problem because XXXX XXXX at the branch where we opened the account said we needed to do that because my mom 's ssi check was going to be deposited on the XXXX and we would not have time for then to make that change. So, I agreed. On the afternoon of XX/XX/XXXX, I tried to access the account again. This time only the old account showed up. I tried several times and same thing. I call customer service and they indicated that the account was being terminated with no other explanation except I would get a letter and they would mail the funds to my mom. I asked to talk with someone from the fraud department and they said I could not talk with them which is XXXX!!!!!! I ask again and she told me to talk with a branch which again is XXXX. how are they going to know. 
my sister steals thousands of dollars from my mom with no fraud and im trying to take care of my mom and im trying to do the right thing and they freeze her account. I am beyond XXXX right now. the account had {$2100.00}. I get no phone call, not questioned when opening the account, nothing. I have read this happening to other people as well, but when it really does happen example my sister they do n't do XXXX. I want you to know this is the nice version my wife would n't let me send the other.
My husband and I have a joint money market account with Capital One ( for years ) with a balance just under {$20000.00}. It was paying us .30 % interest rate. I was surfing the Internet for a higher rate, and noticed Capital One is offering 1.85 % on money market accounts. I phoned them to find out why they were advertising this high rate and paying us a much lower rate on the same type of account. They gave me a very vague response about how one was 'national ' and one was 'retail ', but nothing on their online advertisement or on my own account indicated any distinction between national or retail. I spoke to three different people who kept transferring me around and providing vague responses to my pointed questions ( I am an attorney ) and one of them said I could open a new account for the higher rate and fund it with the current  account. However, their system kept claiming there was a security issue, and the representative said she texted me a code to use to 'get around the security issue '. However, she refused to resolve this issue, as did the next representative, cutting me off instead. I phoned back several times, same problem and no resolution. Basically, I caught them red-handed and called them on it, and they had no honest response. I think the government should examine this issue as I believe it is consumer fraud. I often have companies phone me to offer me a better rate on my current account, such as credit card companies upgrading me to a better plan, or phone companies offering a better service, so why is Capital One advertising 1.85 % on money market accounts but not paying their customers this rate? There was nothing in their ad about only for new customers either, it was 'this is what we pay '. Please investigate.
I do not like the default manner in which my over-payments to my student loan serviced by Navient are allocated and instead desire that they apply over-payments to the highest interest rate account. 

Navient allows you to do this but you have to jump through hoops to do so. I would need to send a separate payment with a letter telling them what account to apply the payment to. I pay my loans using my Bank 's online bill pay which does not allow you to send custom letters along with your payment. 

On about XX/XX/XXXX I sent an inquiry to Navient 's customer service asking how I could implement a directive that they credit all over payments to a particular loan. On XX/XX/XXXX they responded that I would have to submit direction with each payment. 

I feel that it is absolutely ridiculous that I have to go to this effort every month of providing a separate payment and two writing a letter just to get them to do something that I intend to do until the account is closed. This is a federal student loan and I feel that this is nothing but taking advantage of people who utilized a federal program and have no choice in who services their loan in order to maximize the amount of interest that they collect. 

This is in addition to a host of other annoyances with their website and how they operate that make it difficult to work with them and nearly impossible to get any help short of sending a message which they will reply to without offering any method of responding to the reply.
XXXX sent me a letter dated XX/XX/XXXX stating 1 ) they had been retained by Discover Bank, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XX/XX/XXXX. In that letter, I asked XXXX to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX approximately one week later. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XX/XX/XXXX by XX/XX/XXXX regarding this matter. 

ISSUE : This firm stated they were retained by Discover Bank. That claim is patently false, since the debt was charged off. If Discover Bank was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX has extended this fraud into court.
I have ordered authorized user 's credit card but never received and therefore never activated. All of the sudden I have bunch of charges shown on my statement. I filed the fraud dispute so many times but Chase Bank never took care of this issue. I have been making minimum payment on unauthorized charges to keep my credit history good. This is not fair that I am making payments on some one else 's charges. 
I informed Chase Bank that I never received the credit card for authorized user and how can i activate the card if i don't have it?!!! How can I have charges when I did not activate the credit card. I believe this was an error by Chase Bank and I hope they take care of this matter immediately.