WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a HELOC in XXXX XXXX with XXXX, in XXXX XXXX it transferred to Specialized Loan Servicing. In XXXX XXXX i decided to refinance my primary mortgage and during th information gathering phase it was found that the HELOC is not recorded in the county I live in. On approximately XXXX XXXX, XXXX I began calling Specialized Loan Servicing to ask for a copy of this document. I have called each week since asking for this document to allow refinance to proceed, each week I get another person and another story. SLS document storage company seems to be in the land of the lost and no one can call or contact them other than via internal email. I was told to submit issue via fax to expedite ( attached ). I was told that a work ticket had been opened and due to close on XXXX XXXX, XXXX, when I called on XXXX/XXXX/XXXX I was told that ticket had been closed and another opened and scheduled to close XXXX/XXXX/XXXX. No one could tell me what or why. On XXXX/XXXX/XXXX I was told that the original consumer file had been ordered on XXXX/XXXX/XXXX, exactly one working day ago. No explanation as to why it was n't ordered 5 weeks or so prior and no time frame as to when I could expect resolution. At one point I spoke with a supervisor but vague answers where the same, on XXXX/XXXX/XXXX I asked to speak with that persons supervisor and was told that the only way I could reach them is thru the first level supervisor. Oddly enough that person is out of the office for an undetermined amount of time. I have filed a complaint with Specialized Loan Servicing home office and received a letter stating they will investigate in 30 days ( attached ). Now I have missed the closing window for primary mortgage due to all of the fumbling at SLS and its costing $ XXXX per month.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 Fraud Department Check into Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute the following information that your company provided to Check into Cash. 

This item credit inquiry on credit reports is fraudulent because my identity was stolen and i did not authorize my credit to be ran. I am requesting that Check into Cash have the item ( s ) removed. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report
I had an account with XXXX XXXX XXXX that was placed for collection with Diversified Consultants Inc. ( DCI ), The file number is XXXX. I recently paid the outstanding balance but have been unable ( after speaking with five or six different employees at DCI ) to be able to obtain a release of the debt. I have contacted them daily in an effort to obtain the release without success. I have a closing on the purchase of a home that is being affected by this and need help to get the matter resolved. The debt was under my wife 's name ( XXXX XXXX ) but I was also listed on the account ( XXXX XXXX ). Can you help me obtain my release so I can close on our home? Thanks in advance.
A COMPLAINT TO THEM AND TO THE XXXX AND TO CFPB AND THEY SAID THEY WOULD CORRECT THE PROBLEM AND DELETE ALL THE INQUIRYS. IT HAS NOT BEEN DONE TILL THIS DAY. TRANSUNION ALSO SENT A LETTER WITH THE WRONG NAME ON IT. 
I WOULD LIKE ALL THESE FALSE INQUIRYS DELETED INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 
XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Union XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX Bank
Loan originator XXXX XXXX XXXX # XXXX had a deceptive advertisement on page 17 of the XXXX XXXX on XX/XX/18 and possibly other dates. According to the NMLS consumer access page, XXXX XXXX has an NMLS number attached to " Wall Street Mortgage Bankers, Ltd ''. This company is not mentioned anywhere in the advertisement. According to the NMLS consumer access page, Wall Street Mortgage Bankers Ltd. has no DBA 's associated with it. In the advertisement, XXXX XXXX was advertising rates which are no longer available at the quoted APR. The quoted rates have not been available at the quoted APR for some time now. The ad quoted a Fannie Mae 15 year fixed at 3.25 % rate and 3.637 % APR at a time when the industry average 15 year fixed is circa 4 % rate at par. The ad quoted a Fannie Mae 30 year fixed at 3.75 % rate and 3.969 % APR at a time when the average 30 year fixed rate is 4.5 % at par. The example scenario for these rates did not include a loan amount and only stipulated " Min 20 % down ''. Directly underneath said rates was text stating " CONDOS, CO-OPS ... .ALL GOOD! ". This is misleading again because Fannie Mae has rate add-ons for condo and coop loans at loan to values higher than 70 %, so even if the rate quoted were available ( which they are not ) those rates and APR 's would not have been available on a condo or coop at the cited 80 % financing. The deceptive and misleading advertising from XXXX XXXX should cease immediately. The public deserves accurate information about current mortgage rates
I closed my business credit card with bank of america on XXXX XXXX due to multiple internal fraud issues ( with the bank or my vendors ). I no long had confidence in the service. I had a credit of about {$120.00} which I was told would be returned in 7 to 14 business days. It is now XX/XX/XXXX and despite multiple calls and requests, B of A has not refunded me my money. I posted to their XXXX site and a person attempted to call me a few times but I am traveling and busy, the status on the site now shows completed and resolved. I still do not have my money and am frustrated and do not have the time to continue pursuing this.
I had to file Bankrupcy and though the XXXX Ally Finical continued collection ativity. After my discharge and having reaffirmed the debt I arranged a payment arrangement to catch up on my past due and remain current. I received a " final demand ; letter '' despite my payment arrangement and I am being threatened with repossession despite thAlly agreeing to the payment arrangement being made and the Bankrupcy and collectiions person telling me that as long as I held to the arrangement this would not happen.
I am a victim of identity theft. In which I have supplied all three credit reporting agencies with a copy of my police report as well as proof of my identity. I have requested for unauthorized inquiries to be removed from my credit profile. My request has been ignored. Therefore, I continue to have unauthorized inquiries, reported into my credit profile. I am requesting for Experian Credit reporting agency to be investigated for not honoring my request. After I have submitted legal documentation to them from law authorities, about my identity being stolen. Please reference to the following inquiries listed below.
My mortgage company Ocwent told me if i pay my mortgage on time my PMI will drop in 5 years of payment, now that the time has come they will honor what they said giving me any excuse that i owe too much on my home, i received a letter from XXXX Department of Finance with my Market Value at {$380000.00} and i owed {$200000.00}, Ocwen will not even aknowledge the letter.
I WAS CHARGED A HIGHER INTEREST RATE BY HONDA FINANCIAL SERVICES BECAUSE I AM XXXX AND WAS DISCRIMINATED AGAINST AND WAS ALSO CHARGED GAP INSURANCE WITHOUT MY CONSENT AND TOLD I HAD TO HAVE IT IF I WANTED THE CAR. THIS ALL HAPPENED AT XXXX XXXX OF XXXX.
On XXXX XXXX, 2016, we closed on a new house with a Mortgage from XXXX Bank and we made our first mortgage payment on time for XXXX XXXX, 2016. In late XXXX, I received a call from Freedom Mortgage saying they had purchased the mortgage from XXXX Bank. During this phone call, I asked multiple times where or who do I send my XXXX XXXX payment to and was told multiple times, I would skip my XXXX XXXX payment. I have since found out Freedom Mortgage has a recording of this call. 

On XXXX XXXX, 2016, I received a call from the collections agency of XXXX Bank ( now XXXX Mortgage ) informing me that my XXXX XXXX payment was late. After talking with the multiple people, in collections and customer service, I found there was no record of the mortgage transfer in XXXX 's system. As XXXX Bank just merged into XXXX, I was told later, it 's likely an error during the merger of the data from XXXX system to another. 

On XXXX XXXX, I also made multiple phone calls to Freedom Mortgage, the first XXXX people I spoke with again told me I did not need to make any XXXX XXXX payment, it was only until I spoke with a supervisor that I was told I did. I immediately disputed this and asked for them to pull and review the call. I also found out that a payment has been noted as being made to my mortgage account on XXXX XXXX, 2016 in Freedom Mortgage 's system which I did not make. 

I was very careful to ask, and asked repeatedly of Freedom Mortgage where to send my XXXX XXXX payment and was told repeatedly by multiple customer service representatives that I did not need to make this payment. The initial phone conversation with Freedom Mortgage made it clear to me that the loan had been sold and completely transferred to Freedom Mortgage as well. 



I took considerable effort and time in reviewing this issue with the Freedom Mortgage representatives before skipping a payment and was lead to believe by Freedom Mortgage that XXXX Bank XXXX XXXX no longer had any interest or ownership over my loan in late XXXX.
On Monday, XX/XX/XXXX, I rec 'd a notice from XXXX XXXX, XXXX, Senior VP, HSBC/XXXX. XXXX XXXX XXXX ( postmarked XX/XX/XXXX ) indicating that HSBC was changing my mortgage home loan servicer. They further indicated that " HSBC '' will stop accepting payments on XX/XX/2016, and that XX/XX/XXXX payments should be sent to XXXX XXXX, XXXX XXXX XXXX 
While the notice stated that " The most important thing that will change are your mortgage home loan number and where to send ... monthly payments, '' no new loan number was provided. 
XXXX has NOT sent out a new XX/XX/XXXX statement. 
I consider this very shoddy -- not to mention abrupt.
I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. Bay Area Credit Service stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with Bay Area Credit Services to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the XXXX debt which I thought I had settle earlier that month. Bay Area told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.
In  XXXX   XXXX  the servicer increased my monthly mortgage payments. This created a financial hardship on me because prior to that the servicer increase my mortgage payment from {$1200.00} to {$1400.00} and then to {$1600.00} a month. The servicer claimed each time there were billing or escrow errors that caused the increase. The servicer now have filed for foreclosure on my home despite me requesting to have the loan reinstated. To date I have paid all of the money that is requested on the reinstatement calculation. In the reinstatement calculation the servicer added foreclosure fees, title fees and foreclosure attorney fees even though I have not be served with foreclosure documents nor have I been to court. I also received an incorrect payoff statement from the servicer and as a result on  XXXX / XXXX / XXXX  I sent a written request for a " Qualified Written Request '' stating that their  may  be errors in the handling of the servicing of my loan and calculations which have caused me to default on my mortgage. To date the lender has not responded or sent any acknowledgement that they are in receipt of my QWR. I have the tracking proof that they received it. I believe the servicer  may be in violation of the RESPA in regards to the Qualified Written Request rules.
I have had an American Express XXXX card for many years. The traditional XXXX card does not have any interest or service charges if paid if full each month. I use the card daily for every day expenses and pay the card balance in full each month. Recently my husband and I remodeled our home and decided to defer some of those expenses by using the " Pay over time '' option of the card. Today I wanted to pay {$1000.00} directly to this portion of the card to reduce the balance that is being charged a finance charge. When I called AMEX to do that I was told that any payments are first applied to new charges ~~ which means it would be applied to charges already made but not yet on a statement to pay. Not allowing me to pay directly to this line of credit to reduce the amount being financed seems totally unfair and as a consumer very abusive. I asked for a supervisor and was told the same thing. The only way to pay off this balance is to basically not use the AMEX card so that all payments go directly to the pay over time portion, which is at 18 %... 
I filed a complaint with AMEX but expect no response from them. 

XXXX XXXX XXXXXXXXXXXX
Opened online account on XXXX/XXXX/16 at HSBC. I was contacted on XX/XX/XXXX via email requesting additional documentation which I sent in. I called on XX/XX/XXXX requesting a status update on my account. I was told that that person who was handling my account would contact me. Over two weeks later HSBC has my information they requested and I do not have a status for my new account opening.
Vanderbilt Mortgage & Financing sold my mortgage prior to completion of an ongoing insurance claim of which they were withholding pmt from the insurance. XXXX XXXX, who is the purchaser of the mortgage claims that they did not receive any of the interest generated while V.M.F. held funds V.M.F. is refusing to provide any record that the interest was in fact sent to the new mortgage co. Additionally it is unclear what documentation pertaining to the insurance claim was sent to XXXX XXXX. XXXX XXXX is unable to give me access to there digital file to confirm that they do infact have all if the documentation needed. This results in a significant amount of my time and expense recopying and mailing every piece of paper related to this claim to XXXX XXXX.
RE : Medical Collection Dispute Confirmation # : XXXX Dated XX/XX/XXXX Dear Sir/ Madam, I refer to the above Equifax credit Report # : XXXX Dated XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX  ) Insurance Coverage fromXX/XX/XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX XXXX Eligibility Service dated XX/XX/XXXX, Case Number XXXX.
Attached CFPB response by XXXX states they can not validate debt providing the original terms of offering because account was opened in 1987. Account has been charged off. See attached Truth in Lending Act requiring creditor or debt collector to provide copy of written agreement that created this alleged original requirement to pay. XXXX continues to collect this debt that I never agreed to pay. See attached letter attempting to collect debt. I demand this harassment and continued violation of my consumer rights to be stopped.
I have a lot of closed accounts on my credit report that I would like to be removed. XXXX was in my bankruptcy and discharged in 2010. I called XXXX and told them and it 's still on my credit report. My insurance paid my medical bills and ambulance Bills as well. Can you please remove the closed items please. Thank you.
XX/XX/XXXX, 2017. I had received several phone calls from the CashStore in XXXX XXXX, Texas. I 've been dealing with the company for several months. I informed the company that I am on XXXX, and I receive my check on the 3rd of every month. My bank account has constantly been overdrawn. As a result, I gave up my car in repossession. I 'm under doctors care! Only now did I notice that the first 2 payments were scheduled on the 3rd, as per our agreement. The next 2 were scheduled on the 2nd and the final payment is set for the 1st and 31st ( This means not only will I be overdrawn, but I 'll have 2 payments in 1  month. ) Overdraft fees are {$35.00}. This takes away money for food and my co-payment for my medication. The VA does not accept XXXX or XXXX or XXXX XXXX XXXX insurance. My only sister is in XXXX XXXX XXXX and just recently admitted to the hospital due to her XXXX XXXX XXXX. I have no way to go see her. At this time, the VA van will only carry the XXXX XXXX, this is the reason I got the car. Being is financial trouble, I went to the cash store. Once she allowed me to make a minimal payment. The president has vowed to cut social security XXXX payments. I only receive {$15.00} a month. {$35.00} overdraft fees hurt tremendously. Most of the repayment is interest, over {$400.00} for {$350.00} loan. I simply ca n't afford it.
I was a victim of identity theft and noticed a collection from NATIONAL CREDIT SYSTEM I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NATIONAL CREDIT SYSTEM in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I got a phone call this afternoon from a XXXX XXXX. She represented herself as the attourney for Consumer Asset Management. 
Her claim was that I owed XXXX $ on a credit card. I explained to her that that was impossible as the credit card she was referring to was in fact closed and was closed with a XXXX ballance. 
I asked her about the original creditor to find this information out. 
During the call she told me that unless I paid today they would be filing a lawsuit to garnish my wages in my current county. 
I again told her that this was not correct and got her information. 
I emailed the contact for Consumer Asset Management and they informed me that there was a company with a similar name in texas that was most likely using there name to do something illegal. 
I also contacted my creditor and confirmed that the card had been closed and had a XXXX ballance. 
I call XXXX XXXX back at XXXX ext. XXXX. 
She again tried telling me I owed money only this time telling me that they would accept XXXX {$.00} 
I informed her that I had contacted my creditor and that they in fact confirmed that they were in good standing. 
At this point she told me to hold while she went to get my file and hung up on me.
BEWARE BEWARE OF REGIONS BANK BEWARE OF REGIONS BANK THEY WILL STILL YOUR MONEY BEWARE BEWARE WITH REGIONS BANK. 
XX/XX/2018 I was just finish working, I check my regions account I saw my account was minus {$3.00} since it's was already late around XXXX XXXX  i ask my friend to send me money on my account so that my account can be positive, so my friend send me the money immediately and my account become back to positive the same time XX/XX/2018 the next day on the XX/XX/18 my account was positive with {$4.00} and normal and today XX/XX/18 i just got pay from work and i check my account so that i can pay my rent i see that some of my money was missing I call regions bank to ask them what is going on i REALIZE THAT THEY CHARGE me about 4 times {$36.00} dollars the first charges was {$72.00} on the XX/XX/2018 but my account was normal and the second on the XX/XX/2018 i was shock because when my account was minus {$3.00} I automatically added money to my account cause i hated to see my account without money on it but today I realize they took some of the only money I have left to pay my for my rent ....
I have contacted all XXXX credit bureaus on multiple occasions and, this account still have not been addressed. This is a re-aging debt and they are practicing reinsertion of unverified debt which is a violation of the FCRA. This company never loaned me any money. This car was purchased and has been sold already. I have gone a further step and have provided a document that has witnesses my claim via the XXXX State.
On Thursday, XX/XX/2018 ( for the second time in a two month span ) PayPal has decided to freeze my account. They will not tell me why they froze it. They blame the IRS and per their XXXX comments from other patrons, Im highly doubtful I will receive my money and be able to use that account. I need that money to run my business.
Someone named XXXX XXXX out of my county 's Consumer Dispatch called at an unknown number saying they will make an attempt for XXXX summons and if failed, there may be a bench warrant for my arrest. They left a phone number of XXXX and a case file number. When I called, I gave the case file number and was put on hold for a long time. Then a guy named XXXX came on the phone and indicated my name, address, phone number, social, and work history. He said I am to talk to my husband about the call because a settlement was discussed with him. That I am to talk about it tonight with him. I told him if it 's about me, I am to know. He accused me for owing money for a credit card. He began spewing credit cards I have currently and kept threatening me I 'd be going to court. I asked him if he was a lawyer and he said he represented XXXX XXXX. Again he indicated my job history. I asked him what does that have to do with anything? He said it means you got money. My husband who also got the same voice message and felt the same feeling I did. This is a scam. When my husband called, he related it to the guy being a XXXX or something. Very unprofessional by saying, so you got the money or what? This is reported to our local police department and if probable the Federal Trade Commission. Someone has my identifying info.