WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage was bought and sold XXXX times by various companies. The current owner, Nationstar Mortgage, recalculated our payments and even though we NEVER MISSED A PAYMENT ( even paid more on principal every month since the inception of the loan ) they charged us fees, penalties, and interest that they themselves could not explain. We hired an attorney to understand what we were being charged for and he ultimately told us he could n't talk to anyone who could explain it, show a proper accounting of the " recalculation '', and could not even begin to figure it out. The attorney thought that we had been " swindled '' for XXXX of dollars through devious and deceptive accounting methods. In fact, Nationstar Mortgage could not even provide us with an amortization schedule of our loan to this day! On top of this, we have a red flag on our credit as having missed payments when we NEVER missed a payment and ALWAYS PAID EARLY and above the required payment. To date, we are convinced that their " recalculation ( s ) have cost of XXXX of dollars ( if not XXXX ) which they can not explain in words or figures. If a lawyer can not help us then we felt we had no alternative but seek help from your agency. The transference ( Sale ) of our mortgage to Nationstar Mortgage Company from XXXX Bank has been a nightmare from the inception and has cost us more than just money. We need help and intervention for a full explanation and accounting from this company. 
We thank you for your help. 

XXXX XXXX XXXX
I was told I could get a mortgage modification named Mid Point Law in XXXX XXXX California. They took {$4000.00} of my money upfront as a " retainer ''. I 've found out that this is illegal because of state statute SB94. They 've closed their doors and I can not contact them any longer.
After receiving phone calls from numerous credit card companies/banks about charges and noticing some missing items at the end of  XXXX , I went to check my accounts thoroughly and noticed fraudulent charges. My bank in Oklahoma was able to find a name of someone that did the charges and we filed a police report. It has been found that a person I  may  know has done this. There are actual cards missing. I have charges from Barclay from  XXXX  and charges from  XXXX  by  Barclay   from   XXXX   XXXX  The credit card fraud team at  Barclay  has been very unwilling to work with me as a customer. Other credit card companies/banks have gone over backward to help me and provide steps to getting this taken care of. These other companies resolved issues already and helped me to file an identity theft report to credit bureaus. Barclaycard continues to beat around the  bush  and say they have not received my faxes. I have sen t four faxes   over  the last six weeks.  They are switching my story around and saying a girlfriend stole from me. I did not have a girlfriend and stuff was stolen from my wallet. They continue to twist the story to make me feel like this is my fault. I call once a week and it is always the same response, " we have not received anything, call back next week. '' I recently spoke with a supervisor, who told me he would be calling the officer and never did. He tried to hassle me and put words in my mouth about the story, which was very frustrating. He also claimed they receive hundreds of faxes a day so he did not understand not getting mine. Once again, they tried to act like it was my fault they have not received the faxes when I have confirmations that they did. All of the representatives at  Barclaycard  try to intimidate me and make me feel like the whole situation is my fa ult. One r epresentative told me to mail in my police report but if they did not recieve it, they would try to dig up the faxes, insinuating they had the faxed police reports somewhere. On   XXXX   XXXX  , they told me they have received an incident report, which is not a police report. It was a police report, it has a case number and details from the investigating officer. The officer working on my case tried to call them to explain it was a police report and they left him on hold  for 45 minutes  at the fraud department.
I have made attempts after attempts to get   XXXX   XXXX   and    XXXX   XXXX   XXXX   of f my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresus should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.
my vehicle loan opened in XXXX XXXX. I have had insurance since I purchased the unit. Fifth third bank took it upon themselves to add insurance to my account anyway. Causing my monthly payment to almost double. They never contacted me prior to doing that. I contacted them XXXX/XXXX/XXXX, when i went online to make a payment and saw the amount due. The rep was able to contact XXXX and verify insurance and was supposed to refund the insurance. Today is XXXX/XXXX/XXXX, and my account still is not correct. I should be current and next payment due XXXX/XXXX/XXXX. I have attempted to contact them to resolve, but keep getting transferred around.
Good morning. We're coming to you, hoping that you can help us get our home loan modified. 

We have been dealing with Chase for more than a year now and as of recently - we have submitted documentation, for a modification and have been dealing with them asking for the same documents over and over again since XX/XX/XXXX of last year. 

We were assigned a single-point-of-contact AND someone in the escalation department - those individuals intentionally misguided us and, as a recent, we discovered LIED to us, with regards to the status of our request. 

We were initially told by XXXX XXXX that chase was not allowed to include my wife 's income as part of our household income, because this is an USDA loan. This is incorrect. Subsequently, Chase has changed their story and said that we COULD use her income, however, based on her current debt, Chase is only able to use {$250.00} of her {$850.00} of SSI income. 

To make matters even worse - for the last month, we've been told that we had a modification being reviewed ( all notes of contact and conversations attached ) on XX/XX/XXXX, we were informed that there is NO file being reviewed nothing has been reviewed, for the last month. I've also have attached a letter saying that they were reviewing our file and they should have an response by the XX/XX/XXXX. 

They've intentionally misled us and at this point we are considering retaining legal counsel and suing them. Please assist with this exclamation points bulshit
Good Afternoon, we had been working with a mortgage client who had a mortgage with XXXX XXXX XXXX and then transfer to Bayview after 4 years working loan modification was approved and finalize. The issue is Bayview has been placing all payments on Suspense and reflecting the client past due XXXX they have not posted any of the consumers payments properly towards the account and reflecting on credit report. They are under a violation since they are withholding payments on the account.
Equifax, through negligent security protocols, allowed a security breach that compromised 134 million customer reports including social security numbers, addresses, and even drivers license numbers.
Equifax did not disclose the breach for almost two months, and the website they created for searching your personal information is vulnerable.
In addition, Equifax created terms of service for their " free '' credit monitoring program that forces affected customer to waive their rights to damage claims.
The lack of transparency, poorly designed response, and diabolical waiver of rights buried in their TOS is unconscionable.
There is currently no viable process in place to freeze or put a hold on credit inquiries or unauthorized charges.
After reviewing my credit report i found that they had picked up 2 accounts from XXXX XXXX that were opened in XX/XX/XXXX. They have reported the debt on both opened XX/XX/XXXX. Both of these have exceeded their statute of limitations. I tried to talk to them on the phone but they have threatened legal action up to and including being put in jail. I ask that they cease and decist and remove the remarks from my credit reports as well as receive payment for the maximum amount allowed by law for punitive damages.
While checking my personal credit report, which I acquired from XXXX, I noticed an inquiry made by your company " SYNCB/AMAZON XXXX '' on XXXX/XXXX/2014. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
on XX/XX/XXXX, I sent a letter to the credit bureaus requesting an investigation on 5 accounts. Almost 60 days later, and none of them have responded. I have sent follow-up letters to inquire for the reason for the delay, and those have also gone unanswered.
I can not reach a person to make payment arrangements nor do I agree with the balance shown on XXXX TransUnion and any other credit agency XXXX XXXX Walmart responded to you about my first complaint and nothing in her response was true nor was I able to reach her or the number she provided to make payment arrangements
I have payed my ( on time ) mortgage for my home since XX/XX/XXXX, XX/XX/XXXX, I payed off my car in a year ( at my XXXX ) and payed down my credit card with a VA refinance loan. I applied for a XXXX at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line information.
I called to have my Co Sign removed on XX/XX/XXXX, they told me I had to fill out an Application and that it would take two days to email it to me. I found that strange considering it should be instant to email a customer a document. I waited and on the second day I received nothing. So I googled it and found the application on their website. They did n't mention I could do this at any point of the conversation. The form requires proof of citizenship, meaning I have to track down a copy of my birth certificate. How do they not have record that I am a citizen sense I have been doing business with them sense XXXX and needed to provide my birth certificate back when this all started. They also need proof of graduation, yet they did n't require this to start billing me 6 months after I graduated, I have been a graduate working on this loan sense XXXX and they had to know this. Now I have to track that document as well. I called them on the second day, the day I was supposed to get the emailed application. The hold was a few minutes, once I told the rep I needed help with the co sign release application I has told I needed to be transferred and the hold would be three minutes. Three minutes later they told me the hold was going to be a bit longer and offered a call back, I decided to wait. I was on hold for well over an hour. When I called on XXXX my hold was two minutes, by XXXX it became over an hour. It seems like every time I try to do business with this company they put as many road blocks in my path as possible. They provide miss information to hold you out as long as possible. They do n't seem to want you to be successful. Your struggle is their profit.
XXXX XXXX, XXXX XXXX, complaint against Bank of America loan provider, XXXX, loan sent to them by Bank of America, and XXXX. 
My brother had a loan with them for about ten years payment XXXX mo. he paid every month XXXX towards loan. Contacting B of A. in XXXX of XXXX to redo his mortgage with a payment of XXXX. In XXXX of XXXX he sent back the papers to the Bank with them coming back saying it was not his signature in the papers but XXXX had XXXX making is writing some different but ledgable.. We went to a legal aid office in XXXX NC for help. XXXX XXXX XXXX was the attorney, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX. We asked for help with Bank of America she has a lot of problem with B. of A. they would hang up on her never returned calls asking for odd info this kept up for a year into XXXX. No payment have been made since then due to me trying to get a reverse mortgage. 
There was so much pressure on my brother that XX/XX/XXXX he gave up stopped his meds and then passed on the XXXX of XXXX XXXX. 
***** The rest of the information and finishing giving you all the important fact is continued on a PDF I have included along with lots of info from these companies and attorney. I did this as per speaking to your office earlier today.
I was called by the number XXXX. I was asked to verify my name. I did. I asked who was calling. They did n't answer the question, but instead asked me to verify my social security number. I told them I was not giving some stranger on the phone my security number if they would n't even tell me who is calling. 

The caller ( a woman ) rudely said she would " mark on my file my failure to cooperate ''. She then hung up. 

I looked up the phone number on the internet and it belongs to Medical Revenue Services in Florida. 

" Failure to cooperate '' should NOT be listed in any file pertaining to me when the caller FAILED to identify their identity to me or why they were calling. I feel this is a fraudulent practice and such practices should be ceased!
The company XXXX sold my account to a collection agency by the name of XXXX, XXXX ( XXXX XXXX XXXX ) and I paid the account off through that agency on XX/XX/2016 in the amount of {$240.00}. XXXX XXXX has updated that info and removed it from my credit report while XXXX refuses to update the account nor remove it. I have spoken to reps with XXXX and they wont even listen to me. This account needs to be updated in their system and also removed from my credit report just like the company that they sold my account too.
On XX/XX/XXXX, I received an email from Attorney XXXX XXXX XXXX demanding that I return his client, XXXX XXXX ( owner of XXXX XXXX ) payment that was posted on my Capital One credit card. Immediately, I had contact Capital One several times to ask them to return the money to the sender. Each call to them, I was informed it could not happen because the method of payment received and I have to return it to them. In XX/XX/XXXX, I had returned a payment of {$2900.00} to Attorney XXXX via XXXX XXXX, per his instruction. In XX/XX/XXXX, Capital One chargeback {$2900.00} on my account and closed the account without any explanations. Immediately, I had disputed the charge every month with all three Credit Bureaus, only to receive letter from Capital One stating there is no fraudulent activities on the account and {$2900.00} is my responsibility. Then I file a compliant against Attorney XXXX with Columbus Bar Association ( CBA ), whom responded via letter dated XX/XX/XXXX, that Attorney XXXX had died on XX/XX/XXXX and prior to his death, he was not practicing law. And it is there belief that I am a victim of fraudulent activities because someone had used the Attorney 's identify. CBA confirmed all the information in the email I sent to them is accurate but it was not from Attorney XXXX. Immediately, I provided the Credit Bureau and Capital One a letter from the CBA. Capital One responded stated based on their investigation, I am responsible for {$2900.00} and their previous decision remains. XXXX XX/XX/XXXX, I called Capital One and demanded answers because my call kept getting transferred four times. The I demanded to speak with their fraud department, especially after receiving the letter from CBA. Spoke with XXXX ID # XXXX, finally admitted that the payments were received came from an unauthorized account and fraudulent activities had occurred, resulting in them closing my account. Now I have great concerns, had Capital One exposed this information back in XX/XX/XXXX, I would have NEVER sent {$2900.00} to so-called Attorney XXXX. I have nothing to gain for doing that. Had Capital One informed me of these fraudulent activities back in XX/XX/XXXX, I would had reported it immediately. I don't have a history or pattern with engaging in these types of foolishness. My credit is ruined because it reflects a high debt with a closed account. I am not able to receive another credit card and it's having a negative impact in securing employment from companies who performs credit check. Why didn't Capital One inform me back in XX/XX/XXXX? Why didn't Capital One investigate this back in XX/XX/XXXX? They were the only ones who knew how payments were accepted. Why is Capital One able to misinform the consumers, damage credit history and force someone to pay a charge they knew was fraudulent? I had attached the letter from CBA and Capital One. Please help me understand how Capital One has no accountability ; and to resolve the {$2900.00} plus excessive fees and a damage history. Most likely if this happened to me, there are other victims too.
I recently ran my credit report on notice that I owed some money through XXXX XXXX that was being handled by a company called Diversified Consultant. Apparently this bill was for service that I had when I was in Indiana and was not aware because of not receiving any information and relocating to another State. On XX/XX/XXXX, I mentioned this to Diversified and asked if I pay it off can I have it deleted from my credit report. They said all they could do is show it was paid in full. I paid the amount due and requested an email as well as letter stating that this bill has been paid which I have still not received.
In XX/XX/XXXX and XX/XX/XXXX i fell behind in payments do to lose of employment and tried to workout a way to pay it back and was informed there was nothing available and they started foreclosure. I contacted an attorney and after months the mortgage company informed me that they would not talk to the attorney and my only choice was to accept a modified loan under there terms which was {$600.00} more than what i was paying or foreclose. With no other choice for my family i had to except the new payment. After a while i started having trouble paying the the huge payment i fell behind again. I contacted the mortgage company and asked how much i needed to get the account up to date and was given an amount. I got the money together and contacted the mortgage company to pay and now the amount was more. When i had that amount together and contacted them now the amount changed again, this went on for months until i contacted an attorney to help me lock in an amount to make the account up to date. I set up bill pay from my bank account to pay the mortgage directly every month so ther wouldnt be any issues. After making the next XXXX payments without any issues directly from my bank bill pay i noticed a week after my last payment the mortgage company sent the money back to my bank account. I contacted the mortgage company to find out why they sent the money back after they had it for a week and was informed that im no longer allowed to have my bank send them the money i have to get a certified check from the bank and have it mailed to them. Now my payment is late and there is fees applied to my account. When i asked why they had the money for a week they could not give me an answer and when i asked them why i wasnt informed about not being allowed to pay through my bank they still could n't give me an answer. I feel that the mortgage company is continuing to make it harder and harder to pay so they can foreclose on my house and as long as they continue to affect my credit score I can not refinance with another mortgage company.
hello My name is XXXX XXXX I have 2 problems with Equifax I have been trying over a month to freeze my credit report online i spoke with a representative on the phone that told me the system is down call back later. I have some disputes on my credit report inaccurate reportings equifax is saying at the end not able to dispute at this time. do i need to go to the news media with this this is getting out of hand. no one is regulating equifax they are doing whatever they want to do and putting false information on my credit report.
Granite State Management and Resources shows me as 90 days late on a payments from 2015.  All  XXXX  credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.
While reviewing my credit history, I all of a sudden see that an XXXX credit card was opened by SYNCB. I have an XXXX XXXX account and have used for years, but never applied for the credit card. When checking out, I am always careful not to click the " apply for cc '' button. Called XXXX and they said it takes a lot more than just inadvertently clicking the wrong button ( e.g., you need to enter id and credit info to complete application ). I have never received a card in the mail. I have not account number. But my credit history shows a {$0.00} balance and that the card was opened fraudulently in XXXX XXXX 2016. There is also some hard credit inquiries effecting my score from this fraudulent activity. When I called XXXX, they say they know nothing about it and to call the bank. When I called the bank, they said they ca n't help me since I do n't know the account number. I never applied for this card. I was never physically sent the card. And I have no access to this account. It is impacting my credit score. Suspicious that SYNCB would open this without my consent just to boost their accounts/sales.
I have been paying navient for a little more that two years now and my payments just seem to go up. they started at around XXXX for three private student loans and are now around XXXX this is not a significant increase but when I 'm struggling to pay in the first place this makes a difference. i tried talking to them and they told me there was nothing they could do to lower it and the interest rates change so my payment does. I began to look into this more and came to realize that what i pay to my principle balance every month to three loans is around XXXX dollars and the other XXXX goes to interest alone. these loans total to around XXXX dollars. at this rate i will pay them off in about 90 years. this is ridiculous and when i discussed this with them they again said there was nothing they could do.
As of Tuesday, XX/XX/2017, EXPERIAN is still knowingly and illegally reporting a debt of {$640.00} to XXXX for XXXX XXXX LLC. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX 

I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$640.00} ) that is : ( XXXX ) paid/settled ( XXXX ) old, obsolete and out-of-date ( XXXX ) over the Statue of Limitations ( XXXX ) time-barred ( XXXX ) used to intimidate ( XXXX ) purposely omitted date ( s ), time, purchases and amounts.