WillisBack/dataset-financial-user-claim huggingface dataset:
This input relates to a complaint I filed that was assigned case number XXXX. Citi Mortgage gave a response, which I responded to on XXXX/XXXX/16. My question was, why was Citi threatening me with foreclosure while offering me a loan modification at the same time. More importantly, I was under a bankruptcy stay when Citi threatened me with foreclosure. I am once again asking Citi to answer this question. They have failed to answer it before in the case number I referenced above.
Wells Fargo Email    X/XX/2017  I need you to send me the mortgage statement. This account page has the mortgage account number trunca ted. If I do n't have the complete account number along with the current amount due, I can not pay the mortgage on my house. It is unbelievable that  Wells Fargo  is giving me such a hassle over this. I never heard of a Bank/Mortgage company refusing to send statements to the owner of the house. I quit receiving proper statement to pay from months ago. I contacted  Wells Fargo  and they offered to   1 time fax me the current statement. However, I do n't have a fax machine and Wells Fargo refuses to send me statements by US Mail. This is why I am filing this complaint.
Are you ( Wells Fargo ) t  rying to create a mortgage default on my house?      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX
I have been Citizens Bank customer since XXXX, when it was XXXX XXXX, when I was living in XXXX for 13 years. I moved to XXXX in XXXX. I still kept my Citizens Bank accounts open. 

On XX/XX/XXXX, I was contacted by Ms. XXXX, a CSR at XXXX XXXX XXXX branch and notified me of {$9.00} charges against my account. Not sure when but a long time ago I maintained required {$1500.00} balance to avoid account service charges. And I believe at that time I also signed up for the electronic statements. Until then I used to get account statements as well as reactivation of the dormant account forms via physical mail. Since activating electronic statements, the system stopped sending me dormancy status mails via physical as well as electronic means. It looks like there was a charge against the account for dormancy status and was levied against the account thereby reducing the required balance below {$1500.00} mark. That triggered charging {$9.00} each month until now. This has totaled to around {$800.00} charged against my account. 

In XX/XX/XXXX I obtained a student loan for {$90000.00} for my daughter at Citizens. At that time I was told that I will be an active account holder for all my accounts. I did not know that my account has been levied the account service charges in past as well as in continuum. It is interesting that after the dormancy status, the consequent service charges were taken as activity in the account further remedying dormancy. I am not sure why a non-voluntary activity such as auto-debiting {$9.00} per month will avoid dormancy status. 

When I complained, the supervisor was kind enough to give me 6 months of service credit. He sympathized about my situation that I had no way of knowing of dormancy status and the subsequent charges, however he was not able to further help and directed me to write to the office of the chairman. 

On XX/XX/XXXX I sent a letter to the chairman 's office and I got a call on XX/XX/XXXX. The rep from chairman 's office was willing to give extra 3 months of service charge credit, while I was asking for all of the service charge refund. She stated that not sending the dormancy letter by physical mail is not bank 's error. Otherwise if it was bank 's error then they have a policy to refund completely. With not getting a resolution of this matter after escalating it to the highest point I could go, I am contacting CFPB to look in to this matter. I am sure there may be more such cases with Citizen 's Bank. 

For now I have replenished the balance back to above {$1500.00} in my account. Please reach out to me on my cell phone so I can further discuss this matter with you. 

XXXX XXXX XXXX
In XX/XX/XXXX my home went into foreclosure. The mortgage company was XXXX XXXX Mortgage. The loan was sold to a collections company by the name of XXXX XXXX XXXX in XX/XX/XXXX. I am requesting that this debt be removed immediately from my all of my credit reports for the following reasons : 1. ) The account started off as a collections account but was changed to a revolving account hitting my credit every month like a credit card even though it is a mortgage in collections. 2. ) The account was reported as closed in XX/XX/XXXX and then re-opened again. 3. ) I was contacted by the Attorney Generals office regarding the XXXX lawsuit and received a very small monetary settlement as a participating litigant because the original lender was found in violation of the Fair Credit Reporting Act, and 4. ) This is not the original debtor and I never signed any paperwork with this company saying I would pay this debt to them, XXXX.
There is imformation on my report that stops me from opening an account anywhere that is false info i had fraud on my accounts and closed them no longer have them please take off whatever it is stopping from opening an account
I had a loan of XXXX in 2007 ... .I could n't afford the payments at the time and had to due a forbearance.mthat initially racked my bill up to over XXXX ... this has been hauntin me for years ... I can not get a loan to buy a house or get a car..please help!
On or about XX/XX/2013 my wife and I entered into a contract with XXXX home security services, this was a 3 year contract, approximately one year into my contract with XXXX, a XXXX home security services representative showed up at our door selling their version of home security, I immediately informed the rep we were in a binding contract with XXXX for 3 years, the XXXX rep stated that was not a problem and the XXXX rep stated his company XXXX will do what is called a take over, well we know that was a lie, 8 to 9 months later I get a call and a letter requesting why we backed out on our contract with XXXX, no problem XXXX took us back and waived all late fees and all missed payments, I sent XXXX several cease and desist letters, each time XXXX ignored my request to be left alone and to stop harassing my wife and I. now XXXX has turned this issue over to a company called Focus Receivables Management , LLC. XXXX Ga. XXXX, Phone XXXX my wife and I were duped into thinking this company XXXX was a company good upstanding company, we would very much like to stop XXXX from harassing my wife and I and to stop XXXX and Focus Receivables from passing this illegal account on to other collection agencies.
Dear CFPB : My loan number is XXXX and is presently with Ocwen Mortgage. 
Originally the mortgage was with GMAC mortgage, and the principal loan amount was {$280000.00}, initiated XX/XX/XXXX. 
I fell behind due to several reasons, mainly financial burdens and inability to make payments on time around XX/XX/XXXX/XX/XX/XXXX. 
I applied for a loan modification under the new Obama plan and got approved after XXXX months with a lower payment but with a huge increase in my principal amount owed. It went to {$360000.00} or so. I complained and requested details from GMAC, did not get any reasonable response except that they were due to consolidation of loan. 
The loan was then acquired by Ocwen ... was remodified after me paying around {$18000.00} total in cash to both Ocwen and GMAC. 
My principal is now almost {$440000.00}. I have approached on phone several times and have no reasonable explanation for the loan to go from {$280000.00} to the present {$430000.00} inspite of paying for the last XXXX years. 
CAN YOU PLEASE HELP. I am still behind because of these reasons and these practices of GMAC and Ocwen. 
XXXX XXXXAddress of property : XXXX XXXX XXXX, XXXX XXXX, XXXX USAThe property is lying idle, since I had to move for job purposes to XXXX. It gets rented often, but is now vacant. I would like CFPB to help. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
On XX/XX/2018, I sent a certified debt verification letter to Security Credit Service for account numbers XXXX and XXXX, asking that they verify the debt. The letter also stated under the Fair Debt Collection Practice Act ( FDCPA ) I have the right to request validation and verification of the debt that any company say that I owe to the. I asked for a contractual obligation that was bearing my signature, which would be binding me to pay the debt that is being said that I owed. I did not receive anything from them. I then sent a certified letter on XX/XX/2018, requesting the same information from them and they returned a letter that was typed up that bared a company names, but again, I was not given a contract between myself and their client that bared my signature saying that I responsible for the debt. On XX/XX/2018, I sent another certified letter to the company asking that the information be removed from my credit report due to 3 letters being sent to them asking for validation of the debt and a contract between myself and their client be sent to me showing that I was responsible for the debt. Since the information that was requested by me from there office failed to comply with the requested information from the date of the receipt of the very 1st letter dated XX/XX/2018 ( sent certified ) I am requesting that all references to this account be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. They failed to do so and they continue to report this information on my credit report.
I had transferred a balance to the Capital One credit card with promotional rate of 0 % interest. However the promotion was ok in first month but Capital One started charging interest on the balance, increased my minimum payment, which resulted my automatic payment to fall short and charging more fees on top on the interest rate. I called XXXX XXXX and they " opened '' a case saying they have to review the call recordings and in 2 to 3 weeks someone will call back. i said that is too long, the rep supposedly increased the level and said someone call you in a week. Its been about month with no calls and no change in the account regarding interest rate and promotion. I called after XXXX weeks passing and still no answer i am told by a manager capital one needs few more weeks with no guarantee and they are waiting for another info from another department and giving me no information nor working with me to resolve the issue, which initially they said they have to listen to the call, if they listen to the call its clear on the call and they will see the truth. This is costing me over {$200.00} in interest fees and much higher minimum payment resulting in financial problems. I need this taken care asap. Its a simple fix. No one transfers {$18000.00} with interest rate of over 20 %. All they have to do is listen to the call that i made the transfer on. It is clear on the call. More time passes they are gon na they do n't have the recording anymore. This is fraud and stealing money.
Navient is practicing predatory lending with my private school loans which are over 120,000 in debts that continue to grow even though I make payments. These loans are designed so that I can never pay them off. They have created an undue hardship on myself and my family. I have had these loans over ten years and the balance is greater today than when I first took them out. I will never get them paid off at this rate. This is against the law and I want Navient to forgive this debt to avoid a lawsuit.
On XX/XX/2018 I used my bank 's bill pay to pay my electric bill for {$260.00} and accidentally put the amount on the wrong line. I got a late charge from my electric company. It went instead to my Citi Sears credit card. I had a XXXX  balance due on this card and it is a closed account. I have been trying for months to get them to return my XXXX balance. i keep contacting them ( 6 or 7 times ) and they keep telling me the check is being sent to me but it never arrives. I check my mail every day and am so frustrated, I really need the money. I don't know what else to do. the card number is XXXX XXXX XXXX XXXX. the name on the card is XXXX XXXX XXXX. Pleas help
Basically Chase Bank and Credit card added a fee of {$79.00} per year to our CC which they paid their afilliate Prestige Card Services of XXXX, XXXX, FL XXXX, This deduction from our Credit Card account {$79.00} per year since XXXX to XXXX for some travel benefits, which we did not order in any way. We were travel agents at the time and received all these benefits free. We never in the 12 years received any information about the card or the services available. We never used the services., How did we find out about this issue after all these years. We received a post card copy XXXX XXXX XXXX, asking us if we wished to renew our membership for another year at {$79.00}. This is tye first time we received any information about this service. 
We called the number on the card XXXX on the XX/XX/XXXX and at XXXX the same day we called XXXX and spoke to a person ( XXXX ) who claimed to be the calling service for Prestige Card Services. After some discussion she told us we had paid for the service since XX/XX/XXXX. This is 12 years at $ XXXX a total of {$940.00} We asked for some proof that we ordered this service. She said it was on file and she would make a note to have the company call us on Monday XX/XX/XXXX. No call received We asked for a full refund as we did not request nor commit for this service. She took a phone break and came back offering us a refund for XXXX years. 
I asked who she was because calling services have no authority to give refunds. The agent was flustered took several short breaks to talk to someone, and stated someone would call us back on Monday and straighten this all out. No one ever did call. 
We googled XXXX and was amazed of how this company an afilliate of Chase can operate in this Fraudulent manner.
Phoenix Recovery Group which is not registered in the state of Florida to collect debt which is a violation " The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. '' I contacted the company several times and I am also in the middle of disputing this with the credit bureau. This company that is not even registered in the state of Florida to collect debts, which is a violation. Is trying to collect a debt that is not mine. I have told them countless times and provided documents that the credit bureau sent over and they still try and say that this is my debt when it is not. I do not owe XXXX XXXX XXXX XXXX. I owe XXXX dollars. They have been sent the intent to vacate letter that was signed by the apartment complex and show my balance as XXXX. This is very frustrating dealing with them and rude staff. I have let them take advantage long enough, They told me on a recorded call, " just send over the intent to vacate letter showing no balance at move out and we will remove this from your credit report. '' That was a lie! they still have not done so! I verified on XXXX XXXX XXXX that they are not registered. Not only are they harassing me about a debt that is not mine they have not right to even collect debts period in Florida!
After previous help from the cfpb on this XXXX account being reported as delinquent on my credit report the collection line was removed and there hasn't been a problem. but six months later as of XX/XX/2018 my fico credit score dropped 100 points because this XXXX account is being reported again in a way that shows a delinguint balance. there is no way for me to pay this balance or to pay XXXX any monies towards this account as they lost the class action suit with the cfpb and were directed not to enter the credit line and not to recover any payments towards accts. as I stated my fico score has not been impacted since the cfpb took steps to help me 6 monthes ago but as XX/XX/2018 it started coming up as a serious delinquency again. so I would like your help with XXXX   reporting this line once again when there is no way for me to satisfy.
My student loan was discharged due to VA XXXX. It was discharged XXXX 2015 and I 've called and emailed ACS/XXXX, XXXX XXXX, XXXX, Dept. of Education and the IRS. I never received my XXXX Form and I kept getting the runaround, ACS said they do n't issue, call XXXX XXXX and XXXX XXXX gave me a letter with an amount, not the actual XXXX form. I called the IRS and they said that no one has issued a XXXX under my social security. XXXX XXXX said my lender should of given me the XXXX but ACS is the servicer for XXXX and said XXXX XXXX is the one to issue my XXXX form. My next issue was that my Credit Report ( XXXX ) was the only XXXX out the XXXX credit bureau 's to have under the comments section, Student Loan Assigned to Government ; Fixed Rate. I 've been disputing it and it 's still not fixed. ACS sent a letter saying that my loan was discharged but it did n't say VA XXXX and I do n't know if that has anything to do with why I did n't get my XXXX? If no-one filed a XXXX with the IRS, maybe that 's why I did n't get it. I do n't know the actual procedures of what happens when a student loan is discharge because of Veterans XXXX, but I just want to make sure that I 'm not on a 3 year monitoring period and maybe that 's why my loan on the credit report says Loan Assigned to Gov. Fixed rate. I get different answers every time I call or email.
Wells Fargo Credit card was open in XX/XX/XXXX and is currently in charge-off status. The 3 credit bureaus are only reporting back to XX/XX/XXXX. I am trying to confirm how this account was opened, online, in person or via mail, etc. I am also requesting payment history between XX/XX/XXXX and XX/XX/XXXX. I believe the date that this account should have stopped reporting has passed. I have attempted numerous dispute to obtain and verify information regarding this account. The result of the disputes is always updated with insufficient information. Please verify the creation of this account and provide payment history between the origination and XX/XX/XXXX.
I presented a loan application for a Equity line of credit against an investment property, after I interviewed with XXXX XXXX, in Regions Bank I have been banking with then about 5 years or more, and he told me I should be able to qualify without problem after he reviewed all my documentation. I made {$110000.00} yearly, I have been in the same job for 3 years, in the same line of work since 2001, the house is free and clear and they will have XXXX lien position. 
I have a credit score of XXXX according to credit report they pulled from XXXX, they told me the score required for qualification was XXXX but they still denied me because they said their " custom credit score is only XXXX!!!!
I have tried to login to my Experian account. I am unable. The website help does not respond. It claims that I have no account. I tried calling but there is no human available. All they have is an automated system that doesn't address my issue.
Convergent Outsourcing has received a signed notorized Police Report and still continue to report Fraudulent information on my credit. This has to stop, this company ca n't continue to ruin peoples lives. I ca n't get financed for anything because of this, I pay ALL my bills on time. I work to hard to not be able to reap the rewards I value my credit.
In XX/XX/XXXX of 2013 my husband and I filed a chapter XXXX Bankruptcy. We later withdrew our petition and the case was closed. No creditors were harmed based upon our filing and subsequent withdrawal. Since that date the three credit bureaus have had a bankruptcy showing on both of our credit reports. The balance is correct at XXXX dollars but the Bankruptcy should not be showing at all. My husband and I have both disputed this information many times with no luck having it removed for me and only trans union removed it for my husband. 
This information is a public record that can not be validated or verified by anyone in the court and therefore should not be on the credit reports. It was also withdrawn so I do not believe We should face the same consequences as a person or people who have filed and gone to discharge on their bankruptcy. This invalid information is causing us harm and making it impossible for us to move forward with our financial future. We have been denied credit repeatedly because of this bankruptcy. I believe this also should have been removed in XX/XX/XXXX when all credit bureaus agreed to remove public records. 
Can you please investigate this and help me get this removed from our credit reports.
I order a key for specific trunk and paid a total of XXXX to moneygram to pay for key at individual request on XX/XX/. Once I found out he wasn't shipping key I immediately requested a refund on my credit card through moneygram.onXXXX. I have heard nothing from moneygram on my refund. The person does this quite frequently. 
Name/s used ; XXXX XXXX or XXXX XXXX and XXXX XXXX. 
.
Moneygram withdrew funds from my account to an unknown person. I am concerned how this person or person ( s ) were able to access my information. I closed the account and contacted my bank. I did receive a credit finally from Moneygram, however I have to prove to my bank that this was a dispute and a scam because Moneygram would not credit the second send.

I reported this to the FBI Cyber Crime unit and I want to know how my account was compromised.

Your Receiver can now collect these funds at any MoneyGram Location in the expected destination. To find a Location, please check our Locator. You should communicate your Reference Number [ or Bancomer Confirmation Number, as applicable ] to your Receiver to facilitate payment. 


MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CST Sender Information MoneyGram Plus : XXXX Name : Phone : Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX United States Receiver Information Name : XXXX XXXX XXXX Expected Destination : United States Receiver State : Nevada Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May be available sooner ) Transfer Amount : XXXX XXXX Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Exchange Rate : XXXX USD = XXXX USD Receive Amount : XXXX XXXX Other Fees : XXXX XXXX Other Taxes : XXXX USD Total Receive Amount : XXXX XXXX MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CST Sender Information MoneyGram Plus : XXXX Name : Phone : Address : XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX United States Receiver Information Name : XXXX XXXX Expected Destination : United States Receiver State : Nevada Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May  be available sooner ) Transfer Amount : XXXX XXXX Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Exchange Rate : XXXX USD = XXXX USD Receive Amount : XXXX XXXX Other Fees : XXXX XXXX Other Taxes : XXXX USD Total Receive Amount : XXXX USD