WillisBack/dataset-financial-user-claim huggingface dataset:
We have applied for loss mitigation through our mortgage servicer, Shellpoint, but are continuously denied because, 'the investor does not do modifications '. We got our loan in XX/XX/XXXXand have been trying to get help since XXXX when the HAMP program was still available. This is a conventional loan given by a public lending institution who was legally responsible for providing mortgage assistance to qualifying homeowners. We qualify as we want to keep the home, had a reduction in income due to sickness, and now are on fixed income. We can afford our mortgage but simply need help to get current. Instead the investor who is XXXX XXXX XXXX XXXX ( Investor Code XXXX ) and Shellpoint want to ignore the federal laws and illegally take our home from us. Please help!
I had a XXXX XXXX credit account. I have a letter showing my account # and the account was paid in full and closed. Calvary Portfolio is suing me for a different XXXX XXXX account that is not mine. It is a different account # and I have sent them the letter and spoken to someone on the phone and they told me they would get me the paperwork to claim it as a fraud account. I have asked them to give me the account information and XXXX XXXX it was opened at but have yet to get anything from them including the packet of information to claim fraud. I have made multiple phone calls to them, their attorney and corresponded with the attorney 's office through email but can not get proof that this account is mine. I have never had XXXX XXXX XXXX XXXX accounts.
I had gotten a postcard in the mail on XX/XX/XXXX about being served and had to go to justice center to see why. So I went there XX/XX/XXXX and got a summons to court for a medical bill. So I called the debt collector number ( Wakefield and Associates , Inc. ) on the civil warrant and asked what this was from because I have never been informed of this debt. They said it was from a medical bill from the end of XXXX into XXXX. So that happened when I was still under my mothers insurance and I thought she had taking care of it but I guess not. So I asked the debt collecter why they haven't contacted me about this debt so I could resolve it and they said they had try to mail me and kept getting it returned to them until this year XX/XX/XXXX they said they mailed me to the correct address and said I got it which I never did. They said they had the wrong address all this time and now two months later I get a summons to court and this is the first I have heard about this debt. This debt has never been on my credit report and this was from XXXX but I have another debt with them from a different medical office that is on my credit report that happen in XXXX. They have mailed me about this debt since XXXX and have had my address and I have notices from them about this other debt. So how can they mail me and put on my credit report about this other debt when the debt I'm getting summons for court is not on my credit report nor was mailed to me before they summons me. They said they had the wrong address the whole time until XX/XX/XXXX but that's incorrect because I have mail from the other debt since XXXX so that's a lie. They have had my address for years and getting mail from them for years but never this debt that I got summons for. Now they are trying to charge me {$170.00} extra for summons fee and court fees on top of the debt when I haven't even been to court yet and it shouldn't have gotten summons if they would have just notified me before of this debt. But for them to say they didn't have my address is a lie because I have mail to prove it
RE-OPEN PREVIOUS CASES added to CFPB member account. 

The Navy Federal Credit Union stated : " that your ( my ) savings account is NOT protected from garnishments '' The Navy Federal Credit Union also stated : " that ONLY your ( me ) veterans compensation in your ( my ) checking account is protected from garnishments '' However, according to federal law 31 CFR 212.3, member 's bank " account '' means an " account, '' including a " master account '' or " sub account, '' at a financial institution and to which an electronic payment may be directly routed. 

As a result, the Navy Federal Credit Union fraudulently allowed a third party garnish my federally protected veterans benefits compensation of {$65000.00}. 

References : Title 38, Section 5301 ( 1 ) ( a ) Veterans Benefits and 31 CFR 212.3, Definitions.
National Commercial Services has been harassing me with phone calls and letters claiming they represent XXXX XXXX XXXX XXXX XXXX, and that I have an outstanding balance of {$2000.00} as of XXXX XXXX, 2015. They claim this money is due to an auto accident that happened on XXXX/XXXX/15. I have explained to them that they should contact the insurance company because it was a company vehicle. They insist that they have the right to continue with their tactics, and hang up the phone when I say they are harassing me.
Did not receive notice to dispute debt for {$280.00}. I do not know the date. The company forwarded debt to collection agency and agency did not contact me prior to placing it on my credit nor giving me opportunity to dispute or work out a payment plan.
XXXX has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX   have both completed their research and determined that XXXX   XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I have a paycard through ADP. The card is issued by my employer. I had not used the card in over XXXX years. The department I am in now started to use the card again. I had lost my previous card so I had to call to get a new one issued. First they wanted to charge me a fee, which they can not do since this is a payroll card issued by my employer. I called a second time and again they wanted to charge the fee, but the agent I spoke to agreed to waive the fee and mail me a new card. I also updated my address with her. She advised that the card would be mailed. 
Over XXXX weeks later, there is still no card. I call again to check on the status. The prompt on the phone indicated that a new card was issued, but not yet activated. When I spoke to the call center agent she would n't assist me because she could n't verify my address. I repeated my current address and the previous addresses I had used. Keep in mind, I was certified with my social security number, name and date of birth. I requested a supervisor. The supervisor was inconsiderate and rude. He refused to do anything to help me. He kept saying that they could n't verify my address. I live in a city and I receive postal mail so the issue is clearly on their end, but he refused to do anything to help me. He kept telling me to fix the issue with my employer. The issue is that one of their employees put my new address in incorrectly. I also told that there are XXXX recent transactions on this card. This experience has been nothing short of frustrating.
On XX/XX/18 I made a payment to the XXXX XXXX in the amount of {$900.00}. On XXXX I made a small purchase in the amount of {$7.00}. Because of the holiday I believe this caused these items to show on the same day although they actually were not, nonetheless the funds were there to cover both purchases. I purposely made a payment for {$900.00} which was less than the amount owed to avoid overdrawing the account. On XX/XX/18 approx XXXX I made a withdraw from a none pnc atm in th amount of {$400.00}. At this time my account showed I had approximately {$23.00} available. I knew I would be charged for this withdrawal. Unfortunately a charge came out of the account for {$9.00} which should have come out on the XX/XX/18 again because of the holiday I believe the charge was delayed in processing. I expected at this point to be charged for the {$400.00} withdrawal and the {$9.00} charge that came in. When checking my account I realized I was charged 2 additional fees a total of 4. I called pnc customer service and spoke with a rep who transferred me to XXXX XXXX ( account manager in the escalation dept ). I was told that had I waited until a certain time to withdraw the money I wouldnt have received these fees. PNC seems to play with actual dates and times so that they can charge you the most money that they possibly can. My online account shows that at the end of business on XXXX I had enough money to cover every purchase up to that point. The withdrawal is the reason they are charging me additional fees. Although a computer may not be able to see dates and times but an actual person can see when purchases were made and when the withdrawal was actually made. I would like the 2 additional fees returned to my account. I had enough money in my account to cover all charges with the exception of the withdrawal and the XXXX purchase.
On XX/XX/2017 I've purchased an air tickets over the phone at XXXX, I agreed to pay {$730.00} for two tickets including taxes and other fees. A few hours later I find out that my card was charged for around {$1500.00}. Once I called this company in order to find out why is this happened with a truly believe its a mistake, they tried to convince me that this is full amount of the tickets, but if I would know this numbers at the very beginning I would never buy those tickets, so I said I want to cancel this purchase, they refuse to cancel this order ( but according to their own policy customers has rights to cancel the order in first 24hrs ). So the next phone call I've made was to my Capital One bank in order to dispute this charge. The money was returned to me, I've send all available documentation ( evidence ) to them ... THE END? NOOOOOO!!!!! it took them ( Capital One ) 6 month to investigate this situation during this period of time we had a conference calls with a XXXX Capital One and me, Bank sopped the dispute took the money back then reopened it again because I've rote them the official letter that I want to continue it .... 
Well after all the Bank took the money back because " I did not have evidence strong enough to return me my money '', but where am I suppose to get it from??? no one cared, my word was not enough as well as the word of my wife who was witness of the whole situation ... at the end I asked a Capital One manager, " so at the very beginning you guys knew I'm not going to win this case, and this disputing system is not going to help me, why did you wasted my time for 6 month with a fake hope i can return my money? '' the answer was : " we have to provide you an opportunity to file a dispute '' - even if you know I'm not going to win it? " yes '' ...
XXXX XXXX, 2016 I have been working with JP Morgan Chase on a my loan modification ( Loan No. XXXX ). They have not credited all my payments to my loan, they forced me under threat of foreclosure to sign a subordinate XXXX loan, then told me by phone that I did n't need it. When they verified that I did n't need it by reevaluating me for my loan modification they did n't have me sign new loan modification docs to correct the error they admitted to they just sent me a copy of the originally signed loan mod docs without a copy of the XXXX Subordinate Loan docs I signed and they did n't send me a cancellation of it in writing. They told me verbally but did n't give me anything in writing. I have called four times and not one person is calling me back. 

Please report this to the correct agency for assistance. ( FTC, TILA ) Please contact Chase to help me with resolving these errors. 

Thank you, XXXX XXXX XXXXXXXXXXXX
I received my monthly bill late on X/XX/2017 with a due date of X/XX/2017. My new bill shows an increasing in my interest rate from 27.99 % to 28.24 %. There is no notification why the rate interested. I paid the minimum payment on time for the previous XXXX bill. I tried to contact American Express multiple times at XXXX but the automated system will not give me any information about my account when I enter my account number or forward me to someone in customer service.
Hello, XXXX XXXX shows up on my Experian report twice as a debt. 
On XX/XX/2013, it shows up as {$280.00}. And on XX/XX/2013 for {$680.00}. In california, the statute of limitations is 4 years, but these collections keep showing up on my account.
There is an open student loan reported on my credit report that I never took out. When I contacted the companies both XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) they said there is no loan connected to my name or my social security number but they can't go in to change this and that I needed to go to the credit bureau.
In XX/XX/XXXX, I went to my local bank and closed my CitiBank Credit Card account to avoid being charged another annual fee, because I no longer needed the card. I was told everything was handled and there was a {$0.00} balance. They removed the account from my viewing on the website, so I had no way to access the account in any way. The gentleman at the bank ensured me everything was handled. I assumed the account was closed, and it was noted on my credit report inXX/XX/XXXX. All of the sudden, in XX/XX/XXXX I saw a number 90 on my credit report. This signified that I was " late by 90 days for a payment ''. I have never gotten any documentation on this matter until this point. I attempted multiple times to contact Citibank to discuss. I went in circles talking to department to department about how to deal with whatever it was that was negative on my account. Nobody responded to my calls. I then was contacted by a third party collection agency who asked me about the situation and I told them honestly I was shocked that months after I closed the account, these charges showed up, but I was more than happy to work with him to figure out what happened. I called the gentleman back several times, and he never returned my calls. At this point I have no idea what to do, or how to get this off my credit report, but this is totally wrong and unacceptable. I have never had a missed payment in my LIFE. Citibank 's lack of direction, response, and responsibility has caused my future to be in jeopardy as now I am applying for a new job, and trying to secure a new apartment, and have this innocent scar on my record.
XX/XX/2018 I went to XXXX XXXX with my pre-approval from XXXX XXXX. I informed the salesman XXXX that i did not want my credit pulled to other lenders because of my existing offer with XXXX XXXX. I wrote on my credit application, I only authorize for XXXX XXXX. XXXX XXXX a finance manager at the dealership sent my credit report to multiple dealers. I spoke with the salesman and the finance manager which both of them acted as if they knew nothing about it. I need the inquiries to XXXX XXXX, XXXX, and XXXX XXXX deleted from my report. I am livid that they misused my credit application for their own benefit.
I owe to  XXXX   XXXX   XXXX  and   XXXX   XXXX   bought my account and they said on the phone if I pay them then my collection will be removed from credit report and I paid them off their amount, they said go ahead dispute with credit report which I did already and they said we will just updated on credit report and they played with me and lied and it was  2015
WESTLAKE FINANCIAL HAS BEEN CONTACTING REGARDLESS OF ARRANGEMENTS SET UP. PHONE CALLS DAILY BETWEEN 5-10 TIMES. WOULD EVEN CONTACT FROM LOCAL NUMBERS AND UNKNOWN, NO VOICEMAILS LEFT.
I sent a deposit of {$3000.00} and {$2000.00} on XX/XX/XXXX from my bank to the company ( Coinbase ).  After a couple transactions ( buys, sells, withdrawals, and deposits ), I was left with a total of {$6200.00} in my account ( XXXX XXXX ) onXX/XX/XXXX. I then tried to withdraw some of my money, however I received a message saying " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn ''. I emailed the support team about this, due to the fact that I was able to do transactions freely before. I sent the support team 3 emails on ( XXXX XXXX, and XXXX ), all with messages relating to my problem ( system wo n't accept the additional information needed, why ca n't I withdraw from my account, etc. ). These emails were sent 13, 11, and 9 days ago. I have not received any helpful responses ( just really general automated responses ), thus I can not withdraw the money I deposited.
They have my address and phone number wrong. They did not have my employer, and took adverse action based upon a hard inquiry check which is being disputed.
On behalf of the XXXX+ customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXXCFPB-CFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXX Case number : XXXXXXXXCFPB Case number : XXXXXXXXCFPB Case number : XXXXXXXXOCC Case Numbers-XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXScottrade 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that Scottrade also provide a public response.
I was charged an annual membership fee on XX/XX/XXXX for {$99.00}. I paid off the annual membership fee on XX/XX/XXXX before the statement posted. Chase did not apply the payment to the highest interest item on the account which was the {$99.00} fee. They instead applied the payment to the 0 % interest balance transfer. 

According to Chase 's credit card terms : 'We will begin charging interest on balance transfers and cash advances on the transaction date. '' This means by their own definition the {$99.00} fee is the highest interest item on my card at the time the payment was made. They are trying to hide behind the fact that the charge was not posted to my account. That doesn't matter since there terms state the " interest is charged from the date of the transaction '' not from the post date. They can't charge me interest and not allow me to pay it off. I live in Wisconsin and there is no prepayment penalties allowed. I tried to prepay the amount before it posted to the account and they still charged me interest. 

I was charged XXXX interest on XX/XX/XXXX ( I paid over {$100.00} over the minimum payment ) I was charged XXXX interest on XX/XX/18 I was charged XXXX interest on XX/XX/18
This goes back to XXXX .I inquired with XXXX XXXX College about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXXXXXX XXXX showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report
1st thing I should say is I am XXXX and on social security XXXX because I XXXX XXXX XXXX. 
This is concerning a non secured personal loan. from a bit over 9 years ago. 
In XX/XX/XXXX I was served with papers to go to court over this and the officer said and showed me on the papers if I did not show up they would arrest me and hole me till my next court date. He said the judge had the ability to do that if someone does not show up and they ask her to. 
I went and never saw the judge because the atty, took me to a room and tried to tell me I had to swear on a bible to tell the truth and so forth just like I was in front of the judge, I confronted him about this and he shut up and tried to railroad me into signing papers saying I would pay the debt. I told him I could not afford to pay my living expenses at the time and that I was XXXX and could not pay. He kept trying to railroad me by asking what amount i was going to pay each month like I had no choice. I rather rudely at that time told him to stick his papers where the sun does not shine and I was not signing a dang  thing. AT that point he thanked me for showing up and told me I could leave. 
On `XX/XX/XXXX, I got a letters from the original company at a minimum of 8 times since then I just ignored them. Today I got one with an stamped return envelope and a letter asking how much I was going to pay. There was another asking me to call the manager. I did and I told him the same thing I told the attorney in court and he gave me a line about how I could sleep at night, from there things got heated and at one point he dared me to come down there when he got off work or even now and he could clock out and we could take it up personally. He then made a veiled threat that he had my address and what he did off company time was his business and hung up on me. 
I admit I did call him back and used a few words I will not type here. At that point he told me he was going to call the cops on me for harassing him. 

That is all that has happened so far.
XXXX IS IGNORING THE CONSUMER FIRST WITH ME XXXX, XXXX XXXX AND NOW MY WIFE. THIS IS A GREAT CASE. CEASE AND DESIST COLLECTION COLLECTING, CALLING FOR XXXX XXXX XXXX REF. NO.XXXX, {$57.00} DUE TO XXXX. XXXX IS PAYING LATE ON THIS BILL. 

XXXX XXXX XXXX ACCOUNTS XXXX IN THE AMOUNT OF {$310.00} DUE TO XXXX AND REF NO. XXXX IN THE AMOUNT OF XXXX DUE XXXX. 


AS STATED BEFORE XXXX WILL BE WRITING OFF ALL XXXX XXXX DEBT SOON AND YOU MUST DELETE ALL CREDIT REPORTING AT ONCE FROM XXXX AND ALL OTHERS.