WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2016 our mortgage was sold to SP Servicing. We had a XXXX modification with our former servicer that expired just before and raised our interest rate to the original XXXX %. At that point we could no longer afford our payments and fell behind. SP Servicing has had our Request for Hardship Modification since XXXX 2016. Since then they have repeatedly and consistently requested " additional '' information, clarification, redo a single line on this document, explain this ( six times ). In short, they are dragging this out with their endless quest for the perfect set of documents. I am well aware that there are specific requirements for XXXX, and we give them what they ask for EVERY TIME. I believe they are veering into fraudulent territory with their requests now. The " underwriters '' have reviewed our application no less than ten times since XXXX 2016, and today, suddenly, they ca n't read our names on the front page ( section one ) of the application. I have read online where they 've done this to other people over the years. We ca n't get our mortgage caught up without a modification, and we stay behind on our mortgage, trashing our credit, where we ca n't go to another lender and refinance. They have us stuck, and they are keeping us there, for no good reason. Either they want our home in foreclosure, or they are running up the loan balance and interest. Either one sounds like fraud to me. I will be filing complaints with the Federal Trade Commission, TN Department of Commerce and Insurance and TN Office of the Attorney General on Monday. If none of these agencies is able or willing to help, I will have no choice but to file a lawsuit against the servicer, which we no doubt will lose due to their " deep pockets '' and our " little voices ''. Please help us. Companies like this do n't deserve to be allowed to keep doing this to their customers. I 'm willing to fight, but what about others who do n't know how to fight? They simply lose their homes. Please step in and do something about it.
paid my loan in full on  XXXX / XXXX / 2017  and is still reporting as an open account affecting me getting approved for a mortgage.  XXXX  financial services said there is nothing they can do I have filed a dispute with   XXXX   and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.
On XX/XX/XXXX I made a balance payment due of XXXX cents to my XXXX credit card from Banco Popular. 

When I received the next statement I noticed that I still owed the XXXX cents, and when I called the customer service the lady told me that the charges were reversed because when I called on XX/XX/XXXX to paid, the person took my my information wrong. 

By then they already reported my credit for the XXXX cents. 

Again I made the payment on XX/XX/XXXX for the XXXX cents, they credit my XXXX card and my balance was finally {$0.00}. 

In the meantime, they showed I was 60 days late affecting my credit score with a drop off of over 100 points. 

I called Banco Popular and they told me to write an email to customer service, but I have no response, not even acknowledgement that they read it. 

I made claims to XXXX, XXXX, and XXXX in an effort to clean my record, but they all came back with no changes. 

I am in the middle of a loan for a commercial property and this inconvenience had putting in risk the approval. 

Also because of the XXXX cents credit report that Banco Popular issued, I recieved a letter from XXXX XXXX XXXX. They closed my XXXX ( balance was XXXX ), which also affects my credit history. They stated in the letter it was due to my recent derogatory payments. 

At this moment I am also applying for guardianship for my XXXX son who is going to turn XXXX in XXXX and has a XXXX XXXX XXXX. I need my credit report as it used for the court, and I don't have good credit anymore. 

I've had this XXXX from Banco Popular for 21 years now with a credit limit of {$29000.00}, which I always paid punctually, and it is not my intention to ruin it for XXXX cents. It is very unfair to be punished for a clerk error. 

All I want is to fix my credit history. Nobody in their right mind would ruin their credit for XXXX cents. 

Thank you.
I do n't have any business with Kia Motors finance or Hyundai Motors Finance XXXX. They are calling me on what is almost everyday trying to collect. I have told them repeatedly to STOP and REMOVE me, they have the wrong person. They are continuing to harass and threaten me with their bullying. This needs to STOP. they have the WRONG person and the WRONG number! disgusting what these XXXX companies can do to people
I contacted my mortgage company in XXXX 2013, M & T Bank, about a making home affordable refinance because I was under water with my mortgage. They took me through a process whereby they led me to believe I would be getting a lower mortgage, meaning they would resolve the fact that I am underwater and reduce my principle. In a nut shell, they told me I was ineligible for the program because of my income and said that they could still refinance my mortgage under the program and that I would not need an appraisal or would not have to pay any closing costs. They worked with me to get all my information and refinanced my mortgage. I thought I was getting a making home affordable refinance whereby my principle would see a reduction down to the market values in my neighborhood and that my payment would in turn be lower, which is what I needed due financial hardship of my mortgage. All in all, I found out when the dust settled and all the paper work was complete that they they did what is called a streamline refinance and that it was not in fact a principle reduction through making home affordable. I was left in the same situation I was in and still am struggling to make the payments. I am now in the situation where I have to either short sale my home or do a deed in leiu of foreclosure because they didn ; t help my situation. What they did was to talk circles around me to lead me to believe that what I was getting was apart of the XXXX XXXX program and all they did was line their own pockets by keeping the same principle so that they didn ; t lose money off of the large mortgage I have. They only reduced my rate, which did not reduce my payment at all. I feel like they cheated me out of the rights to get my underwater mortgage principle reduced and now I am in the same situation with little to no recourse and I want something done to investigate what was done to me and probably hundreds of thousands of more people.
On Monday XXXX XXXX, 2015 around XXXX, someone called my sister n law 's phone looking for me and she told them that they have the wrong number. I called them back and spoke to a man who said that I was being accused of fraud for writing multiple bad checks and that I owed around {$5400.00} in fees. He said that I probably just made a mistake and that could settle this for about {$1000.00}. I told him that I needed him to send me something in writing to verify this and he told me that he did not have to because it was past the point of collections. I told him that the conversation would be over if he could not provide this information to me and he began yelling at me and hung up on me. When I came home i also received a voicemail from this same number just stating that there was a claim in their office and I needed to contact them back. On Tuesday, XXXX XXXX, 2015 at XXXX, I received another call from this number. I called this number back and spoke to a woman who identified this company as XXXX XXXX and stated that she was not a debt collection agency, but a mediation agency. She stated that I was being accused of fraud for writing bad checks as well and I explained to her that I would need something in writing stating what I was being accused of and how much I owed. She said that if I did n't resolve this issue that I would be referred to the county for fraud. She told me that they had me on camera walking into a loan store and writing a bad check and that is considered fraud. I then told her that I did have a payday that I took out in the past that defaulted and that I tried to make a payment arrangement with that company and the company did not want to accept my arrangement. She told me that I could settle this for about {$1000.00} and I told her that I needed to see what I was being accused of in writing first. She kept insisting that I make a arrangements with her and I kept insisting she give me something in writing. After going back and forth she said that she was just going to send this in and that I needed to get an attorney and that I would be liable for about {$4000.00} and hung up on me. I have this conversation recorded on my phone and can email it to any party that needs this or I can replay it. I tried XXXX this company and found no results. This woman did have some information about this debt but was not accurate. I believe that this company has violated The Fair Debt Collection Act for accusing me of a crime for owing a debt and accusing me of writing multiple bad checks because I took out a payday loan that defaulted. They also are not representing themselves as debt collectors which is also fraud.
Refusal to comply to questions regarding Predatory Lending violations of CT Predatory lending law by telemarketing. 
No mortgage protection insurance offered to 2 elderly people aged XXXX and XXXX years of age. 
Refusal to release information of 2 telemarketers : XXXX XXXX XXXX XXXX XXXX. 
Refusal to release transcript of telemarketers. 
No offer of better program to suit an XXXX & XXXX year old couple except to offer a XXXX yr.refi. which an XXXX & XXXX yr. old would never live to repay and render the one survivor into foreclosure or homelessness on one monthly social security stipend. 
No attorney present to answer borrowers questions. 
Parents are now deceased & their home was quit claimed to me. I made payments for 3 and 1/2 years until learning of the loan 's fraudulent inception and began asking questions to no avail. That is when I ceased making payments. 
However, under stress from Wells Fargo I offered {$20000.00} as a " short pay off '' from a reverse lender. Wells Fargo refused the offer. The XXXX loan was for {$81000.00} & the {$20000.00} offer would have brought the loan to {$91000.00}.
I have applied for XXXX  's XXXX XXXX XXXX  XXXX Discharge through Nelnet, which " assists the U.S. Department of Education ( called 'the Department ' throughout this site ) in administering the XXXX XXXX XXXX XXXX ( XXXX ) discharge process. '' I have been deemed eligible ; however, there is a catch. There is a three year ( 3-year ) post-discharge monitoring period from the date the discharge is approved. Why so long? Why does the discharge go into effect immediately as most financial institutions would do? 

The monitoring period is unethical and unfair to people with XXXX trying to manage a daily life. The monitoring period hovers over my credit report for three years. Also, I am expected to earn no more than {$12000.00} per year in the State of Florida. 

This is well below the poverty line, unethical and unjust to expect an individual, human being to have some type of life on {$12000.00} per year. What about food, rent, gas, transportation, medical, XXXX, automobile insurance, etc.? I believe XXXX and/or NelNet should update their policies to reflect anyone deemed eligible for XXXX should have their student loans waived outright from the date of approval. 

It is unjust, unfair, unethical and stressful to allow these types of financial abuses to continue.
I am contacting your company because there is a fraudulent school account on my credit report which I keep contacting your company to have removed as it is fraud and does not belong to me as I am a victim of identity theft. My ex husband was deported for using my indentity as well as my sons. So please remove these items as they are fraud. The first item is a credit inquiries from XXXX  XXXX XXXX   XX/XX/XXXX which is fraud and I would like removed at once and the second item is XXXX XXXX known as XXXX XXXX XX/XX/XXXX for the amount of {$1400.00} showing up as a degetory item on my report but this is fraud because this item does not belong to me and I have continued to complain about it please remove this because it is fraudulent and was not opened by me as I am a victim of identity theft
It's all of them ... XXXX  XXXX  especially! They tell you how great they are and then they sent you some off the figure.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, 180 days XXXX 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.
My wife and I were looking to refinance our home. We contacted a gentleman named XXXX XXXX whom we were under the impression he worked with discover home loans. In the first conversation with XXXX we had our credit ran and it all seemed to be going well, we also paid a {$400.00} appraisal fee. Towards the end of the conversation XXXX mentioned that discover was intact merging with XXXX. I was alittle upset because we originally wanted to go through Discover bit figured it would be okay since it was a supposed merger. XXXX informed us that there would be a block out period for about a week for the merger to take place. About 3 weeks after that I received a package in the mail which contained a copy of my credit report and my new login information. I was confused. I checked my credit and found that XXXX ran my credit in addition to Discover. I called XXXX from originally discover and he claimed that the pull was a soft hit when in fact it was a hard pull. I could n't understand why a company that had supposedly merged would pull my credit XXXX. I contacted a representative from discover whom infact told me that they DID NOT MERGE WITH XXXX, but that XXXX bought out discover home loans that were over {$100000.00}. Now I did n't even have a mortgage loan with discover and I originally wanted to work with discover but at no point in our first conversation did XXXX XXXX mention that discover no longer offered loans over a certain amount and he did n't mention the fact that XXXX bought EXISTING DISCOVER LOANS. The representative I spoke with at discover told me that what she thinks XXXX XXXX did was run my credit and took me with him to XXXX. I am very upset because I was n't told the correct information. I was lead to believe that it was a company merger when infact it was n't. I understand that XXXX bought existing discover mortgages, but I was n't a discover mortgage holder. I was mislead. Armed with all this new found information I contacted XXXX and my number was automatically directed to XXXX XXXX. So I called from a different phone number and spoke to a representative and asked for XXXX XXXX supervisor. I was told that I would return a follow up call from XXXX of the supervisors and I have n't heard anything from anyone since then. Now I did a refinance with a company that I DID NOT WANT TO DO BUSINESS WITH because I was mislead and I did not want another hit on my credit and almost 2 months later I still have n't closed. I 'm beyond XXXX for the fact that I was told incorrect just down right wrong information..I was taken advantage of and I 'm very upset.
UN-AUTHORIZED MONTHLY DEBITS BY XXXX XXXX/MERCH FEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) AKA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CHARITABLE ORGANIZATION, STARTING XX/XX/XXXX THRU XX/XX/XXXX. XX/XX/XXXX{$64.00}, XX/XX/XXXX {$64.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00} TOTAL {$780.00}. XXXX XXXX XXXX, WENT TO REPUBLIC BANK - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. , XXXX XXXX, FL XXXX & SPOKE WITH XXXX XXXX, SALES & SERVICE REP AND FILED A STOP PAYMENT ON XX/XX/XXXX COST {$30.00}. REQUESTED INFORMATION RE : FRAUD REPORT, APROXIMATELY XX/XX/XXXX MET WITH XXXX XXXX, CUSTOMER SERVICE MANAGER TO FILE A FRAUD REPORT. ON XX/XX/XXXX RECEIVED MESSAGE FROM THE ABOVE PERSON INDICATION THAT WE HAD FILED TO LATE. BANK POLICY WAS THAT A REPORT NEED TO BE FILED WITHIN 24 HOURS OF THE EVENT. THE BANK REMAINED UN CO-OPERATIVE. ON TUESDAY XX/XX/XXXX FILED A FRAUD REPORT WITH THE CITY OF XXXX XXXX POLICE DEPARTMENT. POLICE DEPARTMENT TOOK ALL INFORMATION AND REQUESTED THE NAMES OF THE UN IDENTIFIED UNAUTHORIZED USERM, AS A LAST RESORT THE XXXX XXXX XXXX VISITED THE XXXX  XXXX REGIONAL SALES DIRECTOR XXXX XXXX AT XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX ON XX/XX/XXXX. XXXX XXXX TOOK ALL INFORMATION AND SAID THAT HE WOULD LOOK INTO IT. AS OF THIS DATE ( XX/XX/XXXX ) WE HAVE NOT RECEIVED ANY CORRESPONDENCE FROM ANY OF THE ABOVE INDIVIDUALS
I contacted merchant CB XXXX XX/XX/2018 spoke with a representative and I gave her my name only to find out they don't have any account for me just my twin brother so she continued to place me on hold asking for more personal information I did not feel comfortable after giving her personal information twice to give more info after I was put on hold everytime I gave her info
American Express Serve has allowed my Serve Card to be used by unauthorized individuals in other states and they have stolen my social security benefits which is sent directly to my American Express Serve Card. Over approximately {$1000.00} in social security benefits payments to me has been compromised by the theft of others that I don't know. I have given no one my card to use for any reason whatsoever. On XX/XX/XXXX I received this information regarding a XXXX Treasury : Mon, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to me Account ending in XXXX Hi XXXX XXXX, Good news! 
You received a Direct Deposit from XXXX XXXX XXXX SEC, and the money is now available in your American Express Serve Account. Please keep this email for your records. 

Transaction Details : From XXXX XXXX XXXX SEC Amount {$540.00} Date available XX/XX/XXXX Transaction ID XXXX Questions or want to learn more about Serve? Visit us at serve.com/help. 
Thanks, The American Express Serve Team However, I am unable to access my funds and other deposits for months now.
I received a call from a gentleman regarding an outstanding debt to my place of employment. After I explicitly informed him of why the debt was outstanding and disconnected, I received yet another call to my employer 's line. Only this time it was a recording and has been occurring on an ongoing basis for several weeks. Calls have also been placed to my mobile device ; however, I have been able to block them successfully.
There is a collection on my credit that was fraudlently opened. I have attached a copy of my police report. This is affecting my ability to obtain a mortgage on the new home I am having built for my family.
I had a 3-year lease with Kia for a XXXX Kia Sorrento that concluded on or about XXXX XXXX, 2016. The vehicle was returned on time, without damage and under mileage. All payments were made on time during the life of the lease. At the conclusion, I was invoiced the {$400.00} disposition fee as per the lease contract. I called Kia finance on XXXX/XXXX/16 and asked them to waive the disposition fee, but they declined. The reason I requested the disposition fee to be waived is because of repeated failures with the vehicle 's operation. Within the first few months of taking ownership of the vehicle, it started having problems with the electrical system, most notably that the voice-dialing feature of the hands-free system did n't work properly. I brought it to the dealership ( XXXX Kia in XXXX, OH ) more than once and asked them to fix it, but they were unable to. On the last instance, I had the technician sit in the car and was able to re-create the problem for him and his response was " Yep, that 's a problem, good luck with that. '' I did n't press further as I was willing to overlook this as a singular, one-off problem. However, about 18 months later, the car started having problems with the remote starter that XXXX installed prior to me taking ownership - including several instances where I drove the car and when I attempted to turn it off & take the key out of the ignition, the engine kept running. I again took the vehicle to the dealership but they were unable to find or recreate the issue. Finally, just a few months before the lease expired, I was driving XXXX mph on the highway and the car completely shut off and I had to pull to the side of the road. I took it to the dealership again, but they were unable to find any problems or recreate it. I finally turned in the vehicle at the end of the lease and will not be doing business with them again. I asked the people at Kia Finance to waive the disposition fee as a sign of good faith and they declined. I will be paying the fee so as not to have it go to collections, but I think this should be investigated further as the company was repeatedly unwilling or unable to resolve multiple safety issues with the vehicle they leased to me.
My student loan held by US Dept of Education is being service by Nelnet. I 've called Nelnet in XX/XX/XXXX to obtain outstanding balance information on my student. I was told my current balance was {$17000.00} which include debt from XX/XX/XXXX to XX/XX/XXXX. Approximately two months later I 'm being told my student loan balance increased by {$6500.00}. I called Nelnet servicing dvision to get reason for the increase. At first, customer service representative was n't to sure for the reason and transfer me to a supervisor. Supervisor told me increase was due to reduced APR I was being charged while I was in Chapter XXXX bankruptcy. Student Loan with US Dept of Education was included into my Chapter XXXX bankruptcy filling. I told supervisor this in direct violation of the federal bankruptcy laws. I 've sent letters to both US department of Education and Nelnet asking for someone to contact me regarding matter. I 've attempted to contact US Department of Education for assistance, but was unable to get any help. I getting the run around with Nelnet when I ask for explanation. Nelnet saying it 's US Department of Education that caused the increase. Which is untrue. My Chapter XXXX bankruptcy was discharge in XX/XX/XXXX and XX/XX/XXXX Nelnet provided balance of {$17000.00}. Do n't understand {$6500.00} increase two months later. I 've asked Nelnet to do a full accounting audit on my loan balances, but have yet received any information from Nelnet. Nelnet is misrepresenting my true loan balance and refused to get matter corrected.
I filed a dispute when an unauthorized charge showed up on my XX/XX/2018, Bank of America online account. I called customer service to dispute the transaction of {$190.00} from a Movie service provider, XXXX, on XX/XX/2018. I got a letter dated XX/XX/2018 from BOA stating that they had received my dispute claim and gave me a temporary credit for the transaction. On XX/XX/2018, I got a letter from BOA stating that they had received information from XXXX that seemed to justify the charge. They told me to mail all the details of the disputed transaction or they would close the case in the merchants favor on XX/XX/2018. I called BOA customer service and she said unless I could get my reasons for disputing the transaction, that day, to a BOA office, the dispute would be considered closed. There are no Bank of America offices in the metropolitan XXXX area. I finished the form letter they sent me and mailed it back. The only thing BOA has responded with is the same denial of the dispute in my favor.