WillisBack/dataset-financial-user-claim huggingface dataset:
Abo ut ten y ears ago, my then husband had unknown to me gotten a credit card with my information. My ex husbands abusive behaviors led to our divorce at the time.   Lo and behold, I get a garnishment summons for an amount t I have no clue of. I have never had a  XXXX   XXXX  charge card.I have been divorced from my ex husband for 13 years now. I tried explaining to these  collectors bu t they wo n't budge. How do I support  XXXX  kids with my pay garnished.? Please help me resolve this issue.
I have had multiple phone conversations with contradicting information from PNC Customer Service. I received their letter on XX/XX/XXXX stating my current LTV was at 83 %. On XX/XX/XXXX XXXX XXXX advised that my PMI would automatically be removed and would be reflected on my XX/XX/XXXX statement, if I made a principle payment to reduce my LTV under 78 % and there was no further actions required by me the customer. Therefore, I made a principal payment reduction reducing my LTV to 77 %. I spoke with XXXX XX/XX/XXXX and XXXX advised there is no record of my PMI being removed and it would be XX/XX/XXXX and the only way PNC BANK would remove my PMI was to obtain an Appraisal on my property. I submitted a written request to have the PMI removed on XX/XX/XXXX. PNC Bank responded by stating a Appraisal is required to ensure my property value has not decreased. 


XX/XX/XXXX- I have submitted paperwork to PNC Bank with a check to have an appraiser come out, Even though I have already met the original criteria to have my mortgage paid down below 78 %.
I refinanced my mortgage with Quicken Loans, and the loan closed on XXXX XXXX, 2015. On XXXX XXXX, 2015, funds were disbursed and my previous loan was paid off, and I was supposed to receive a disbursement check of {$950.00}. The check was supposed to be sent by overnight mail and I was supposed to receive the check on XXXX XXXX. As of today I have not received the check, and after several phone calls to XXXX, without receiving a return call until yesterday, I was finally told that it was the title company that supposedly mailed the check by mail instead of by express overnight service. The title company has no tracking number for the mailing and can not provide a location of it or a delivery date. As such, it remains unclear when I will receive these funds, that are obviously due to me per contract.
A late fee was assessed on Sunday, XXXX by Key Bank. Electronic Payments are not processed on weekends and payment was processed by my bank on the next business day. 
This practice is a violation of consumer protection laws.
hello, Im having issues with my GM FINANCIAL account, its the only thing with holding me from a mortgage loan, I was having issues with my bank account in XX/XX/XXXX and XX/XX/XXXX, my debit card had been on a breach I had no access to my account I couldnt even use the ATM, that is why there was a 30 day late payment as far as XX/XX/XXXX I was over paying prior and when i saw my statement it said XXXX is due at the time but you still have to make a monthly payment so I was confused. I have typed a letter to the company explaining my situations Im just hoping to get this cleared up
I took out federal subsidized and unsubsidized student loans when I went to XXXX University. I graduated was accepted at XXXX University XXXX XXXX where I took out the same federal loans, and also XXXX Plus loans. In XXXX 2015 I called XXXX to ask about a PSLF consolidation because I work at a nonprofit. I sent the application in on XXXX XXXX, they said they got it on XXXX XXXX. On XX/XX/XXXX, I got a letter from them about the consolidation, but the information was wrong, so I called. None of my loans with my ACS servicer were included in the consolidation, but the rest were. All are eligible, the only difference is the servicer. I spoke with a XXXX worker named XXXX, who told me that ACS is giving XXXX " a hard time, '' and that ACS does n't want me to consolidate those loans. ACS wrongly informed XXXX all my loans had a XXXX balance except the XXXX Plus loan, and they said that loan was ineligible. XXXX asked if ACS is collecting, and they are. None of the loans ACS services are either ineligible or have a XXXX balance, they are exactly the same kind XXXX included in the consolidation. XXXX said, " They ca n't have it both ways, tell us you have a XXXX balance and then collect from you. '' She said I have a legitimate complaint with ACS, but XXXX could do nothing about it. ACS will not give XXXX the information they need, so I had to cancel the consolidation and call ACS. XXXX said I could reinstate the consolidation application when they have the information from ACS. I called XXXX on XXXX, and they said they got XXXX 's request on XX/XX/XXXX, but it would take up to 30 business days to submit the information. I asked for an email confirming that. The said it would take XXXX hours to send it, but they would. On XX/XX/XXXX, I still did not have an email confirming they would send the information to XXXX, so I called ACS again. They said the same thing. I again asked for an email confirming that, and they agreed. It is XX/XX/XXXX, and I still do n't have an email from ACS I tried to file a complaint with the Ohio AG, but their website has been down the last two days. ACS refuses cooperate with me or XXXX, they are not complying with the terms of my loans that allow me to consolidate.
I have reported this numerous credit bureaus information is fraudulent on XXXX XXXX XXXX  XXXX Has been notified by calls and letters. I did not open this account I did not live at the address at that time I have asked for proof receipts and original documents I have signed and proof they legally obtained this debt and have gotten nothing. They harass me constantly with collection calls. They also threaten and call people liars. Any help would be greatly appreciated. 
Thanks XXXX XXXX
I am a victim of identity theft of Barclays Bank Delaware credit card opened on XX/XX/XXXX by someone using my personal data. I have provided all necessary documents, the police report and the FTC Affidavit report, to the Bank in order to justify as proof that I am the victim of identity theft. 
I am very disappointed with the Barclays fraud investigation process. I have mailed several letters ( via certified mail ) with my many important questions but I have never received any responses to my questions. I demanded answers to my list of questions, however, the Bank has not yet responded to my questions. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ). 
In my last couple phone conversations with the Barclays fraud investigators, their final conclusion of the investigation was that this card was activated by a phone call made from my home phone. I requested the Bank to mail me proof of any documents to support their claim. So far I am still waiting for their answer from the Bank along with many other questions as stated in my letters. I also asked the bank to stop harassing me with phone calls 3 to 4 times per day consistently and sending me letters to collect the money that I do not owe, and now the bank engaged the debt collector, XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
At this point, I believe I have provided all documents to justify that this is a fraudulent account and that I am the identity theft victim. Please help me to clear this ongoing issue with Barclays Bank.
On XX/XX/2015, after receiving a letter demanding payment from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I investigated the item and immediately sent a letter disputing the charges from XXXX XXXX XXXX in the amount of {$590.00} and requested that they immediately remove any outstanding balances from my accounts as well as remove it from my Credit Report. 

After numerous telephone calls, emails, and letters, they still refuse to properly validate the changes as well as remove them from my personal Credit Report. 

Obviously, XXXX XXXX XXXX has falsified the charges by prescheduled her into Appointments she neither Authorized or Confirmed. 

XXXX XXXX XXXX uses an online scheduling system with a " Confirm '' button and email confirmation. Neither my daughter or I ever confirmed the appointments. 

As I have written numerous times, my daughter said XXXX XXXX was " creepy '' in her words and never wanted to go back for additional chiropractic care. 

At the time of her first appointment, XXXX XXXX XXXX, prescheduled her into follow-on appointments which she did not confirm Online or Otherwise. 

What is more concerning is that your Statements from XXXX XXXX XXXX and XXXX XXXX XXXX do not match. Obviously FRAUD on XXXX XXXX XXXX.
I opened a checking account with HSBC about 2 weeks ago and I changed my direct deposit to the new account. Yesterday ( XXXX/XXXX/2016 ), I found out by logging to my account online that my checking was slated to be closed without any knowledge from my end. I contacted the bank and they are unable to explain to me why my checking account was closed without any notification. My paycheck is supposed to be deposited to the account today ( XXXX/XXXX/2016 ) and I ca n't access it because the bank closed my account without grounds. I demanded the bank to reopen my account and an explanation but they ca n't tell me why it happened. Now I ca n't access my money for another 2 weeks until payroll fixes my direct deposit to a different bank and I will be behind on my credit card payments. I have attached a copy of my paystub which shows the banks routing number and the pay date.
This address does not belong to me. It's a Private Mailbox address with no suite number. I do not have an account at this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
On XX/XX/XXXX I initiated a withdrawal of XXXX BTC out of my BTC Vault ( held in " cold storage '' by Coinbase.com ) to my BTC Wallet. This requires " multi-factor authentication '' that requires me to initiate the withdrawal after logging into my account, to confirm via an SMS code, clicking through an authentication link on my personal email, and clicking through an authentication link on my work email address. Due to me no longer being employed with my current firm, I no longer have access to work email address. Coinbase.com does not allow for the secondary email to be changed. 

After XXXX emails and a number of support tickets through XX/XX/XXXX, submitted by me to Coinbase, Coinbase has not responded with the exception of automated emails. The automated emails do not provide resolution and are redundant.
All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing damage
I believe OCWEN and the loan investor XXXX did not act in good faith when working with me to modify my Mortgage loan during my financial hardship. Ocwen repeatedly denied receiving my loan modification package and sent foreclosure notification letter that did not allow me the appropriate amount of time to respond. In spite of my continued communications with them they began the foreclosure process in the fall of XXXX. 
In the winter of XXXX Ocwen commited XXXX XXXX dollars to work with distressed homeowners. However, in XXXX of XXXX they were still unwilling to provide me a reasonable loan modification. In XXXX XXXX I was offered a loan modification to pay nearly $ XXXX for a home valued at $ XXXX. When I appealed the offer I was informed that my investor XXXX XXXX XXXX XXXX did not participate in Principal Reductions. 
I do not believe the Ocwen or XXXX thoroughly reviewed all of the options available. I believe straddling a homeowner with a mortgage % 100 underwater is very reminiscent of the Predatory lending practices that began U.S financial crisis of XXXX. On XXXX XXXX, XXXX The XXXX ran an article titled " Ocwen and Bondholders Clash over Mortgage Services. '' XXXX XXXX of the law firm XXXX, XXXX and XXXX is quoted " investors, including " certain hedge funds, '' also continue to object to the use of principal reductions, which are often the most effective way to help struggling homeowners avoid foreclosure. '' 1. ) I am requesting that Ocwen provide a list of the loss mitigation options that I was considered for and explain the outcome of each option. 
2. ) I would also like a copy of all of the documents that were reviewed in my loss mitigation option review.
I informed the company that I filed bankruptcy on this debt. I was told that the debt would still be included on my credit report until they hear from my attorney saying that it was filed in the bankruptcy. I offered to give them my bankruptcy number the woman I spoke with told me she did n't need it she would deal with my attorney. My bankruptcy has now been XXXX but this collection account is still being reported on my XXXX credit report.
My spouse and I, in conjunction with our legal representation, would like to pursue a Deed In Lieu of Foreclosure with our lender, Wells Fargo. We moved out of the property XX/XX/XXXX due to a change of employment. Since that time we have done our best to find buyers while continuing to pay the mortgage. Some of the ways we attempted to alleviate the financial strain of the mortgage was refinancing XX/XX/XXXX, renting out the property, and living with relatives. Unfortunately the cost of maintaining the property is too much, even with rental tenants. The home currently needs repairs and thus we are unable to find new tenants. When we looked at our finances we knew we would eventually run out of funds to maintain the cost of the mortgage and thus we sought help XX/XX/XXXX. 
We were informed that in order to be considered for a Deed In Lieu we would first have to go through the short sale process. Our initial request for the short sale program began back on XX/XX/XXXX. Wells Fargo confirmed the request on XX/XX/XXXX. After what seemed to be an eternity, Wells Fargo finally informed us that we had gotten approval to participate in the Short Sale Program on XX/XX/XXXX. There were no potential buyers during our entire time in the program, which expired on XX/XX/XXXX. 
On XX/XX/XXXX, I called Wells Fargo to inquire about the Deed In Lieu option, but they refused to speak to me regarding my account. On XX/XX/XXXX, we initiated legal representation as mentioned above. On XX/XX/XXXX, Wells Fargo calls me and I request that they contact my legal representation because I have hired them to assist me in pursuing a Deed In Lieu. A letter, dated XX/XX/XXXX, is sent to Wells Fargo requesting a Deed In Lieu. Wells Fargo acknowledges receipt of this letter on XX/XX/XXXX. This letter states that they will " provide [ us ] with the results on or before XX/XX/XXXX. '' It also states that " In the event additional time is needed [ they ] will contact [ us ]. We have received no such response and our legal representation has also received no such response. 
We recently, XX/XX/XXXX, received notice of a foreclosure date of XX/XX/XXXX. Our legal representation has called in attempt to find out what happened to our Deed In Lieu request, but Wells Fargo is not responding.
" Consumer Protection Bureau '' ... what a joke. These XXXX guidelines are nonsense. All this is doing is delaying closings, causing rate lock extensions, and ultimately hurting the borrower, not " protecting '' them. I have had XXXX closing delays due to " disclosure ''. If the borrower receives a Closing Disclosure and the number matches the Loan Estimate why are they required then to sit around three days before they can sign and close? It makes no sense. It is clear that the government officials and the people within the CFPB who set up these rules have no real world lending experience. Why is this now the most regulated financial industry? This needs to be remedied.
In XX/XX/XXXX or XX/XX/XXXX, I spoke with a representative from Navient. In XX/XX/XXXX, I spoke with  XXXX, from Navient. We stayed on the phone for over 20 minutes. Three days later, XXXX calls back and explains there was a problem with the e-sign. I told her I was at work and had to handle the call expeditiously. She assured me it would take about two to three minutes. Once we were on the phone for over 10 minutes, I had to hang up. I have repeatedly asked Navient NOT to call me at work. Now, they are calling everyone with the same last name, even though they were not authorized to call. Navient is harassing other people with the overwhelming phone calls. They still call me at work even though I have asked time and time again not to call me. Representatives from Navient are informing people that this is a business matter, which essentially says, they are a bill collector.
This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.
I was shocked when I reviewed my credit report and found late payment on the dates below : IN 2017 - Perhaps the payments were applied wrong or delayed a day or two, but not more than 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have disputed this alleged and erroneous account currently being reported by the credit bureaus for XXXX XXXX XXXX. This isnt my first time disputing this alleged account and the time previously it has come back verified with no proof or no notification of what method of verification was used. Also the account shows inaccurate information. The spelling on this account is XXXX XXXX. My name is XXXX XXXX. As per the FCRA Section. 609 and/or Section 681 the information on my consumer report must be 100 % accurate. As the misspelling of my name on this alleged account created by XXXX  is incorrect and is being furnished to the credit bureaus ( all three ) is causing a negative impact on my reputation. Also the invasion of my personal and private affairs by XXXX XXXX XXXX seems to be a violation of consumer rights as well.
I used the Amex Serve prepaid debit card ending in XXXX to bill pay a credit card online for which Amex Serve sends out a physical check against the funds on the account to be delivered to a merchant. ( In this case, a credit card at XXXX ending in XXXX for {$940.00} on XXXX ) After a period of no activity on the XXXX account, I called Amex Serve on XX/XX/XXXX ( they said the check is usually delivered in 2-4 business days ) to notify them of non payment to XXXX and asked to dispute the charge. I was charged the {$940.00} on the Amex serve card but never received the bill pay credit on my XXXX card. <P/>After a long wait, Amex Serve came back and said that the check was delivered and cashed by XXXX and that the dispute was closed. I then called Amex Serve again to notify them that I never received the bill pay credit with XXXX. After receiving no help from a CSR, I spoke to a manager who seemed to understand the problem. <P/>She took extensive notes detailing what happened and said that the dispute would be opened again and that the Amex Serve dispute team may possibly contact me in 2-4 business days asking for proof from XXXX of non-payment ( screenshot of the XXXX card account showing no credit given ). This was on XX/XX/XXXX. <P/>I received a notice from Amex Serve on XX/XX/XXXX directing me to look at a secure message. I could not open it and got this error message when opening the link : Bad Message XXXXreason : Request Entity Too Large. I called into Serve and was again told by a CSR that the dispute was closed as they had proof the check was delivered and it was cashed by the merchant. <P/>Once again, I explained that XXXX never credited me for the payment and that this was my third call and dispute. I spoke to a manager again who said he 'd open the dispute again and gave me the same speel about being contacted in 2-4 business days for possible proof of non-credit by XXXX. <P/>It seems like Amex Serve 's dispute process is hung up on whether the check was delivered to the bill pay recipient and/or cashed. Whether the customer actually had the bill pay credited, they do not seem to care. They as the payments company have the power and responsibility to talk to the merchant to verify bill pay credit and whether it was paid properly. They seem to be unable to resolve this case and I would greatly appreciate the CFPB 's help in getting proper credit on the XXXX credit card I used Amex Serve to bill pay.
I have this company call me called XXXX XXXX. The called me on my cell phone and on my work phone. They were trying to collect a debt from Wells Fargo and checking account I had in 2003 they had all my information that I can think of personal. They said they were going to serve me to go to court. When I asked for documentation they said they would provide it for me I gave them my debit card which was XXXX and then all of a sudden they did not want to provide me documentation and refused and when I asked for documentation they took it as refusal of payment. I have recorded them and they hung up on me but I did not tell them I was recording them. I attempted to call back and they hung up on me again. Everybody has the last name of XXXX. But they are harassing me at work and on my personal Phone.
On XX/XX/2018 Capital One put an offer for {$500.00} for their XXXX XXXX XXXX Account where if you deposited a cumulative amount of {$50000.00} you would receive the bonus. From XX/XX/XXXX to XX/XX/2018 I cumulatively deposited $ XXXX and I called in after 60 days asking for the {$500.00}, but the call agent said that there is a $ XXXX balance requirement that wasn't part of original offer letter. 

They are adding a new element to the terms and conditions that wasn't present in the original document in order to not pay out the bonus. 

Attached is the offer where there is no mention of a XXXX balance and screenshots of my bank statements where you can see I cumulatively deposited {$50000.00}.
We refinanced our home in XXXX XXXX 2015. We were given a payoff amount of {$270000.00}. This should have included the total amount owed to Nationstar. We surprised when we only received a refund check of XXXX instead of XXXX. These funds were in our escrow account for property taxes. Nationstar informed us that XXXX was deducted for MI XXXX in XXXX. Why they are charging us MI for XXXX is unknown if the loan was paid off in XXXX. Furthermore, they took a long time to credit the payoff to our account causing us to pay extra interest.