WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to apply for a modification with Bayview Loan Servicing so that I can save my home. My assigned representative is named XXXX XXXX. My first impression of him was that he is very hard to get ahold of. I have always been told that he is the only person in his department that can discuss my file so I can not simply speak to the next available representative I have to call his number directly. It usually goes directly to voicemail. He picks up and immediately asks me to hold, sometimes for upward of an hour long. I know he has an email address and I asked him if that might be a better way to get in contact with him since he is so busy but he told me know he does n't check that the best way to discuss my loan is to keep continuously calling his phone until he picks up. 
The last time I spoke with him was on XX/XX/XXXX at approximately XXXX. There was only one more document being requested -- a document that I had already faxed to him the previous week. I asked if he got the fax and he said he has n't seen it yet and he does n't really trust faxes so I should just email it. The implication was that he was n't even bothering to check his faxes because they 're unreliable so the best way to send documents is email. He told me that I could reply to an email of his and if I replied back it would be uploaded to the account directly. He said the email would be out in about XXXX minutes. The email finally came XXXX -- six hours later. I simply could not wait around that long for him to send the email, and he told me that any documents sent to his email would be automatically uploaded so I had already emailed the necessary document to him at XXXX. 
When I spoke to him today, XX/XX/XXXX, he said that he closed my case because the all necessary documents had not been received. He said he had requested the documents on XX/XX/XXXX so he does n't even remember correctly what day we spoke. He kept saying that our correspondence must have " crossed '' which makes no sense because I sent the document within 15 minutes of him asking for them. Even now it 's only 3 business days since he requested the document so how can he close my file so quickly? 
I first applied for assistance back in XX/XX/XXXX and I even reapplied on XX/XX/XXXX because it had been closed for the same reason -- package incomplete. However with such poor communication from XXXX XXXX how can I ever figure out if and when they have all the documents they need? I am very concerned because after 4 months we are no closer to reaching a resolution on my loan modification.
I purchased windows through XXXX, and they offered 15 months 0 % financing through Wells Fargo. 

I have been paying regular payments to Wells Fargo for this 0 % interest program and noted they opened a new credit card account in my name and transferred the balance owed to the new card account. It appears based on the statements, that this took place in XX/XX/2017. I did not request Wells Fargo to open a new card on my behalf, nor was an explanation given as to why the new account was opened and the funds were transferred.
I work in XXXX for the XXXX, I'm a XXXX vet. Bank of America BoA has charged me late fees and has sent negative information to credit rating companies, 30 day delinquency on only late fees due to BoA issue in XX/XX/XXXX. I have requested correction and have been declined. The irony is the late fees that was past due was because BoA sent my XXXX payment to principle only. The 30 day pass due on my credit report is from late fees that I had waved. I have been working with BoA ( one of many ref # XXXX ) calling from XXXX a few times a month correcting numerous issues since XX/XX/XXXX ( new XXXX insurance, BoA was caught in a lie on the phone ). BoA has declined to correct, I used XXXX case # XXXX same BoA declined. BoA will not admit problem with computer system. Bottom line XX/XX/XXXX my mortgage went to only principal, my payment for XXXX posted for XXXX XX/XX/XXXX when my payment was received on the XXXX for XX/XX/XXXX it only went to principal. I pay every month on the XXXX for that past 15 years no issues. BoA won't tell me what happened written or verbal. They have told me every month when I call there is a problem. I had most late fee waved, I paid a few to correct and stop reporting pass due paymenst but every month the same thing. I have a stack of documents and notes I can send to help if needed.
I went to TransUnion 's website to get my free credit report. After viewing my report, I received an email telling me I had subscribed to a $ XXXX credit monitoring service, and my credit card had been billed for {$19.00} twice. I was able to cancel the service online but the customer service number given on the website was not connected to a call center. At no point during the account creation process on TransUnion 's website was I alerted that I would be charged. I never consented to be charged for a credit monitoring service, and I do not want to pay for it or receive the service ; I only wanted to view my credit report, which I am entitled to do for free. I would like a refund of the {$39.00} I have been charged without my consent.
In XXXX 2015 my Target REDcard store credit card was declined at a Target store. It turned out that I had missed my XXXX 2015 payment by accident because I never received my bill. Once I learned this I immediately paid my bill in full ( posted XXXX XXXX, 2015 ). When I went online to pay the bill, I saw a message that Target was " actively collecting a debt. '' ( Yes, after only missing XXXX payment. ) In XX/XX/XXXX ( after I had paid my debt in full ) I began receiving messages on my cell phone from " XXXX XXXX '' XXXX stating that they were " trying to collect a debt. '' I 've received four such messages since then, including today ( over two months since paying the debt in full ) and the messages sound like robocalls and are very generic ( not stating my name or the name of the merchant they are calling on behalf of ). I do not currently owe debt to Target or to anyone else. I pay my accounts in full and on time. " XXXX XXXX '' is therefore making continued attempts to collect debt I do not owe. I have not returned their calls because of this fact and I would like their calls to stop.
I signed up with net spend and then signed up for their direct deposit depositing well over XXXX a month. I also was told by ace checking cashing to enroll in plan that charges flat fee each month where I wo n't be charged per transaction. I never pay attention to my net spend account until lately in which I noticed they been charging me a dollar per transaction when I called their customer service to be enrolled in flat fee each month. They are refusing to listen to call and refund me. The second card I got I automatically called and did the same thing and enrolled in XXXX this year. If there rep made a mistake and did n't enroll me not my fault and they need to refund me. Tired of this company that has nothing but foreign people who do n't speak good XXXX and who are rude as ever
The 360 Mortgage Short Escrow Account Disclosure shows that the 2016 second quarter payment actual was {$1000.00} ( Attachment 3 ). 

The XXXX Treasury ( Attachment page 1 and 2 ), Attachment page ( 2 ) two indicates that the total payment made by 360 Mortgage amounted to {$580.00}. As a result the escrow account payment due to me, is {$450.00} short.
My dealer made me purchase their extended warrant and GAP insurance. I do not need or want it.
My idenity was comprimised by the XXXX data breach. XXXX and XXXX promptly placed a freeze on my credit report as requested. Experian would not place a freeze on my file unless I paid for the subscription of {$24.00} per month. This is extortion and blackmail ; I refuse to pay them protection money. I went on their web site and was first told it was {$3.00}, they rejected payment. The site upgraded me to {$4.00} for the first month and gave me an alternate for the basic service of {$19.00} or the premium service for {$24.00} per month. When I refused it kicked me off the web site. I have attempted to contact an agent and have been hung up on, transferred to auto phone, and placed on hold for 45 minutes. Letters from me have not been answered. I have repeatedly requested for them not to give my personal information out without my written consent. My XXXX XXXX continues to drop and I spend hours a day denying credit applications due to Experian releasing my information.
I sent in a payment of {$31000.00} to Select Portfolio Servicing, XXXX XXXX XXXX, UT. My monthly payment is {$1100.00}. I instructed them, on their payment form, in the box that says " Apply to Principle '', to apply the additional {$30000.00} to the principle. They did not do so, as I instructed them to do on their form. I was told by them that, the money was distributed according to what their computer decided to do with it, even though I had specifically directed its distribution on their form. The payment of {$1100.00} was taken out of the funds. As far as the remaining {$30000.00} goes, the next months payment was made of {$1100.00} { for XX/XX/XXXX }, {$10000.00} was put in an unapplied balance account and the remainder of {$18000.00} was taken off the balance after the second payment { XX/XX/XXXX's } was made. They charged me interest on the {$30000.00} as if it had been paid 2 months later. They said it will take some time to straighten this out. I could call next week.
I authorized a wire transfer on XX/XX/18. This wire transfer was supposed to be for closing on my first home. By the afternoon of the same day I had realized I was being scammed and called Discover to cancel the wire transfer. I was told the money was guaranteed and that I would get it back within 7 to 10 business days. I followed up multiple times during the next two weeks and was told by multiple people, including a supervisor, that the money was guaranteed and that I would have it back in my account no later than 10 business days. On the 11th business day, XX/XX/18, I was told that the money is not guaranteed and that I would most likely not be getting it back. This was the first time I was told I would not be getting the money back unless the recipient bank sent it back and it was the first time they told me to call the recipient bank. Due to them reassuring me on multiple occasions that I would be getting the money, I proceeded with closing on the house, using the remainder of my savings. If I had know that the money was not guaranteed or that there was a chance I might not get it back I would not have closed on the house. Now I am in an extremely difficult financial situation, living paycheck to paycheck because Discover blatantly lied to me for two weeks.
XX/XX/XXXX has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company.XX/XX/XXXX has single handily kept me from getting into a new home! Please help
Navient Private Credit is trying to collect a student loan from me for {$47000.00} for a student loan at a campus I did not attend. I attended XXXX XXXX XXXX of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, but I have Stafford Loans for those accounts listed on the NSLDS, which are valid. Navient Private Credit and its collection agency for the loans, XXXX XXXX, sent me a settlement offer for {$13000.00}. The problem with the settlement offer is that they provided no proof that I actually took out those loans, and the settlement offer says I went to XXXX XXXX XXXX XXXX XXXX, XXXX. I have never been to XXXX and certainly did not attend XXXX XXXX XXXX there. Navient has yet to respond to my requeest for validation and are continuing to report negative items for a debt where there is serious doubt as to whether it belongs to me in the first place. The collection agency XXXX XXXX is n't sure how to proceed and continues to send threatening letters to me in reference to the debt in questions.
promissory note loan per alabama FCRA statue 6.2.37 and 6.2.30 statue of limitations for Alabama for this type of loan is 6 years delete from my credit report and I ca n't get any of the XXXX credit reports to remove loan I am XXXX and my loans have been discharge due to XXXX
I 'm a victim of identity theft and account 's was open on my name that I was n't aware of from XXXX XXXX XXXX XXXX has of XX/XX/2016 # 1. Installment Loan accounts number XXXX has appeared on my credit report # 2.Credit Card account number XXXX has appeared on my credit report I would like these account to be removed from my credit report I ad send a copy of police report to. the credit bureaus also
I had a loan with Ace Cash on last year and today I get a call from another company saying they are verifying my wages to file suit and they will PURPOSELY add on {$2000.00} to it. I told them I will speak with my lawyer before I agree to anything and XXXX told me MY LAWYER COULD DO NOTHING. I HAD TO PAY OR ELSE. THAT 'S HARRASMENT. I have not heard from these people in a year and now out the blue they call with scare tactics. I have the screen shot the number they left and I called back. They are RUDE and need to advice there employees that we have rights also.
I have had a recurring iss ue with BB & T re versing my online payments the same day that I made them in both  XXXX  and  XXXX . I received notification that my payment was being processed, but no further communication to notify that that payment was reversed on either occasion. I had to re-complete the payments both times, which also resulted in less of my payment being applied to my principal balance. I calle d BB & T  when I realized the second occurrence on  XX/XX/17    and was not given an explanation. The representative tried to tell me first that the  XXXX  issue was due to an upgrade to their system, and then that I had paid  XXXX  on the phone with an account that did not exist. I have made my payments online from the same checking account every month, so the explanation that I had used a different account was absolutely false. The rep did not even try to provide an explanation for the  XXXX  payment being reversed, nor did she provide an explanation for why I was not notified that the payments were reversed. It appears more that the bank is doing this on purpose to squeeze more money in interest out of me.
On XX/XX/16 I was charged {$40.00} " ANNUAL MEMBERSHIP FEE '' by my XXXX American Express Card. 

XXXX then quit their partnership with American Express, and the card account was transferred to XXXX where I was promptly charged another annual fee. 

I called XXXX and asked them to refund the {$40.00} I was charged on the American Express card and they said they couldn't because it was charged by American Express. 

I called American Express and asked them to refund the money and they said they couldn't because they no longer held the account. 

I opened a support case with American Express for this ( XXXX ) which was ultimately closed and they refused to reimburse my {$40.00}.
We closed this file XXXX XXXX according to my approval letter I had to send the HUD 72 hrs prior to closing. I had no task in equator so on XXXX XXXX I emailed him the HUD for approval ( feel free to check equator to verify all of this ). Tues he sent me a task and I uploaded the documents. On Weds the XXXX I spoke to XXXX and let him know that I was concerned because closing was scheduled for the XXXX and I still did not get an approval ( again I emailed it the XXXX ) He said he would work on getting it to me before closing. I call XXXX on the XXXX 3 times and I could only talk to his collegues. If I did not close the XXXX the approval letter was going to expire. I also left XXXX a voicemail. I emailed him all the closing documents no response. Now we are on XX/XX/XXXXand the funds are rejected because we did not have HUD approval. Can someone please show me where the HUD approval is? Since XXXX XXXX I go no HUD approval. Regardless now the title is transfer. XXXX XXXX no longer owes the house and you rejected his funds so now everyone is at risk on being sued. Let me know how we can fix it.
I was recently informed by a best buy customer service representative that I 've been paying for debt protection since XXXX of 2009. I never remember nor meant to sign up for this service. I contacted best buy to cancel this horrible service and receive a refund. A couple of days ago I received a notice that debt protection was cancelled but will not be given a refund because I " used '' the service. I 've never used this service and would 've never used this service seeing how I did n't know I had it. This is a scam and I want Best buy to refund my money.
Greeting, In XXXX of 2018, I received verified dispute results from XXXX, Experian, and XXXX. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.
Purchased online and item from JCPenney 's and there was a promotional XXXX discount of 20 %. When I put the item in my cart at {$39.00} the {$6.00} was taken off at that time leaving a balance of {$33.00}. However when I chose to use my rewards is my payment method it took my discount from me. I used those rewards to pay for the item. via credit card or My Rewards it shouldn't have taken my {$6.00} discount. There is no mention in there that if you pay with rewards that the discount is not valid. Order number XXXX XXXX XXXX
I applied for 2 lian forgiveness programs and was denied each time. I applied for XXXX loan forgiveness, which I had met all of the criteria. I was denied because they said my loans were not eligible because I consolidated them, putting them in a different timeline which was out of the eligibility guidelines now, and they were the ones who told me to consolidate. I also applied for Public servant loan forgiveness, after working in a school and job that met criteria for the l8an forgiveness, I also made 120 consecutive payments to meet criteria for forgiveness. 
I was told my loans were eligible but after submitting the application was denied again, stating my loans were not eligible now. There solution was to put mt loans under a different loan name and start the process over again. 
These two incidents should be on file with navient.
We were baited by Ditech Mortgage company. We were told it would take no time our credit was good. We were never told that we must have a XXXX dollars in the bank for a refi. Instead we put out the money for appraisal XXXX. We are an elderly couple we explained that and never led them to believe we had extra cash in our accounts. Then we were told our appraisal had to be wrong because we purchase the house in XXXX of 2014 and in XXXX we were looking for a refi. We updated the house ripping out the kitchen putting in granite counter tops and new appliances. The appraisal came in XXXX higher then what we paid for the house. So Ditech was unhappy with that finally our appraiser wrote to them and explained. Then they demanded XXXX successive bank statements to prove we had one months mortgage payment. This began a nightmare for us. We used our savings and even made a late house payment to please them. The worse thing is they told us they saw we had not paid our mortgage thus rendering us unable to get a refi. IF in the beginning we had seen the FHA requirements or if Ditech had instructed us upfront we would have NEVER gone with them. Now we out of XXXX dollars and out of our mortgage which our lender is most helpful and understood what happened. We will clear this up by a double payment. In the meantime we have no money for this month groceries. Thanks to Ditech who owes us the appraisal money.
My wife and I moved into a Family 's home that was larger. We rented out my home at XXXX XXXX XXXX, XXXX XXXX Ga. XXXX. The rental tenant skipped out and trashed the home. We tried to short sale the property and the bank declined the offers. I tried to do a deed in lieu and they did not do that. They started the foreclosure property 3 years ago. They even changed the lock and winterized the home. Two years went buy and they never foreclosed. I filed bankruptcy on this last year. They still have not foreclosed. They have been paying the property taxes and insurance yet the home is still in my name. I called FHA resources and he stated their is no claim on my XXXX report of where Bankruptcy was started therefore they illegally changed the locks on the home since it is not in Bankruptcy and still in my name. I do not want the home back, I want them to foreclose on it like we agreed 3 years ago so I can re establish credit and buy again in the future. Furthermore this home is getting vandalized and people are doing drugs in it. I contacted the police as I see it unsafe for the neighbors and children out playing, he stated that they have contacted the bank regarding theses issues at the property as well and they do not bother to board the home up or do anything to prevent this from occurring. I feel it is unfair they have changed the locks and started the bankruptcy process over 3 years ago yet have not reported it to FHA so it can begin to give me a clear XXXX report. Again, the address is XXXX XXXX XXXX, XXXX XXXX Ga. XXXX
I deposited a check in the Citibank Atm on XXXX XXXX, 2014 for the amount of {$1200.00} at XXXX XXXX XXXX XXXX , XXXX Va XXXX. It bounced on XXXX XXXX. The check was from XXXX XXXX from XXXX XXXX XXXX. On XXXX XXXX, 2014 the check was resubmitted to XXXX XXXX XXXX which they claimed to have paid to Citibank on XXXX XXXX, 2014. Citibank is denying they ever received the money/transaction. Citibank ( XXXX the supervisor in the generic call center and XXXX XXXX at the XXXX, Va branch ) refuse to speak to XXXX XXXX XXXX to find out who has stolen the money. 

I had the Major Financial Crimes Division of XXXX County investigate this. In doing so, they went through camera footage at Citibank, my account as well as speaking with XXXX XXXX XXXX. The conclusion was that I did not cash that check at any time and it was never deposited into my account. 

There is a long back story as to who bounced the check on me and the dead ends I have encountered from government sources. Citibank blatantly refused to discuss who stole my money to XXXX XXXX XXXX. 
PLease help me force these XXXX banks to do their job and return my money to my account!!
They took my {$1000.00} and told me that they were going to make sure that I was at the end of the road, hence stating that they make sure my house goes to foreclosure. Also, they refused to refund my money in a timely matter.
On XX/XX/2018 I accessed my credit report from XXXX XXXX and they reported mycredit scores of XXXX for Trans Union and XXXX for XXXX. only 5 days ago my scores were XXXX for Transunion and XXXX. I was concerned as to why i dropped 36 points in less than a week so, i called TransUnion. They would not tell me anything except that I should pay them {$9.00} and they would give me an explanation. I told them that this was absolute robbery and I am suffering because of their error. I am trying to buy a condo and my interest rates will sky rocket unless they correct my score. 
I am XXXX XXXX XXXX and worked very hard to get a good credit rating, not great but good.I have not been late in any of my credit cards or loans in the past several years and resent their being so nasty to me on the phone. 
I strongly feel that they owe me an explanation, free of charge and until they correct this I want to put a freeze on my account with them. I do not want them to report on my credit to anyone. 
Please help me.