WillisBack/dataset-financial-user-claim huggingface dataset:
So, I get back from 6 years in the XXXX. Before that I spent 6 Years as a XXXX. Although I am no longer on XXXX, and from this point forward I will be addressed as such and that will show me, and well demonstrate your respect for my service to you and our Country. 
Recently, XXXX XXXX 2016 my Mortgage was sold from XXXX to Nationstar Motgage. Nationstar, apparently, by some unknown method obtained a debit writing from XXXX and fraudulently used that debit writing to portray to my bank that I had given authorization to Nationstar Mortgage to withdraw ACH Electronic funds from my bank account. Nationstar did this 5 times even though I called them and asked them to stop. The only way I could get Nationstar to stop was to make written complaint at my bank and stop them by electronic means. I called Nationstar, to ask them why they were taking electronic funds when the Note is very specific about the 3 forms of acceptable payments and ACH Electronic debit transfers is not one of the 3 forms of acceptable payments. I told Nationstar that if they would send me something in writing, that they would accept the ACH transfer in lieu of the acceptable forms of payment ( cash, check, or money order ) and there would be no back charges of any kind, I would allow them to continue to debit the account electronically, but Nationstar refused. 
As I looked over my note, I noticed that there was a problem with the Borrowers Covenant, so I sent Letter and E-mail, No response - No action. I sent complaint Letters, request letters, and demand letters only to receive a computer generated letter response that promised some response at some future date. When I call Nationstar no one there can answer my questions, not supervisors, not the Customer relations personnel, nay, not one person there can answer even the most basic question. 
I have asked them for a payment coupon with my statement so I can from time to time make extra payments, but no, even after months, no payment coupon. I have to go searching for numbers and past invoices to get address to post the check. 
Because of all of this, when I am in honor, with my loan, never late, paying ahead, much more equity in the property than debt ; I do feel something crooked is going on here. I feel that Nationstar is acting in Bad Faith ( with cause for action ), trying to dispossess me of my estate to realize the extra gain of profits, instead of sending me a statement with payment coupon so I can pay monthly, on time, as I have always done. 
I have tried to work with these people, but they have no honor. They refuse to honor my service by addressing me by my well earned and given title of XXXX. They refuse to answer any of my questions, save 1, they did give me one answer, but I have asked many questions without response. I expect better, I deserve better, and I will receive better treatment. I have a RIGHT to expect better and I will enforce that RIGHT to the full extent the Law will allow. 

Respectfully, XXXX
TRANSUNION has provided clear and convincing evidence to the CFPB that they do not intend to adhere to the FCRA " 30 DAY DISPUTE RULE '' .TRANSUNION IS AN UNCONSCIONABLE LAW VIOLATOR AND SHOULD BE FORCED TO ANSWER TO CONGRESS about staying in business as lawbreakers. 

***CFPB XXXX was cutoff above in original dispute case no.
I opened a Citi Gold Checking account in XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX XXXX XXXX miles ( worth approximately { {$500.00} } ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account and 1 debit card purchase of {$1000.00} or more. I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus miles will post within 3 statements of completing the requirements ( which would have been XXXX/XXXX/16 ). It is now XXXX/XXXX/16, and I have paid { {$90.00} } in monthly fees to Citi, and Citi has not upheld its side of the promotion. I specifically confirmed that I was eligible for the promotion via secure message. Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue after submitting an investigation with Citi. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. My husband has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are XXXX of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off their customers.
Synchrony Bank gave the wrong information to XXXX 's XXXX who got the information directly from the bank who was supposed to give the account number since I could not provide and it was the wrong account number I contacted the bank to Fraud Unit and the State Attorney General 's office and no one seems to be able to get the bank to see that I 'm paying on an account that has best switch and so I need them to move the account that should be XXXX 's from XXXX so that it will be the right money going on the right account I talk to everybody and they wo n't do it at synchrony and so I have a problem with this being able to pay my account in the money going directly to that right vendor
My issues with Sallie Mae are two-fold. The first is that I defaulted and they harassed me constantly, calling up to 10 times per day from multiple numbers. They also called my family members multiple times trying to reach me, using contacts I never provided them. Some of the calls are actual people, some are robo-dialed. 

My second issue is regarding their customer service. There is NO WAY to contact these people via chat or email. I assume this is so it 's harder for you to keep a record of communication, making it easier for them to continue shady business practices. As someone with very XXXX that has a lot of issues with telephone communication, it 's basically impossible for me to deal with them. I even completed their customer service form stating this and guess what? They called me anyway. I do n't think they even read them.
I have a number of accounts with Synchrony Bank. I have opened complaints before concerning this same issue but it has evidently not been resolved by the bank. First- when they call they call as " UNKNOWN ''. I do not answer unknown calls. Secondly when I call back or call them they ask for an account number? WHAT account number I have a minimum of XXXX opened by retailers who use the same source which I do NOT like. I owe it all to XXXX company. Next their automated system does not work, rarely works and almost always forces me to switch to a live person who supposedly speaks English but CAN NOT COMPREHEND IT. Next rarely can you get a manager if ever. Then I get late fees or charges because the payment is past due. In my opinion I find this as unbelievable yet the state of affairs in this nation today. I asked for Customer Service and after multiple attempts they hung up. Wow and you -respectfully- are evidently a hollow shell who can not do anything but state you help consumers.
Seventh ave is trying to collect on a debt that belongs to my father with the same name it has been listing on my credit and destroying my credit rating.
Last month I filed a complaint against Caliber Home Loans regarding my payment for XXXX. My payment was finally processed but now they have not credited my account for my XXXX payments for my Principle, Interest, Escrow and addition principle I have paid. They processed my XXXX payment and those amounts are showing on my online account but all of XXXX is missing. I have attached paperwork with what is showing as of XXXX/XXXX/2017 and what the totals should actual be. I want this resolved ASAP! I have sent numerous emails and all have gone ignored.
I recently filed a complaint with the XXXX regarding Bayview Servicing mortgage company. Recently I refinanced my mortgage through a different mortgage company to get away from Bayview. The customer service is horrific and each time you call a representative tells you something different the information provided is consistently inconsistent. I have made over a XXXX attempts to contact Bayview regarding the my XXXX mortgage payment which was paid on XXXX XXXX, 2015. When I requested a payoff statement the statement indicated that monies was due for insurance, mortgage payment and " potential late fees. '' This evening I spoke with a representative and she stated that she has limited supervisor support in the evening and could not provide me with any information regarding my account. The representatives are not knowledgable regarding the product and/or services that Bayview offers. Please help me with obtaining any and all funds owed to me by Bayview. My loan that was sold to Bayview is paid and full which included inappropriate charges. I called many many times to challenge the pay off amount and was told that the amount was correct. The loan was paid off and now I have to fight with Bayview to get my money back. They are rip offs and should not be privileged to service mortgage borrowers. I have spend hours and hours on the phone
I had fell behind in my loan and received a settlement offer from the company, and under this letter and I was lead to believe that I would be settling my account for less than the full amount and that would be reported to the credit bureau. Which I figured would be better than nothing as long as I got this bill to me paid off. But to only have the company turn around and continue to report on my credit as late and still owing money. I feel the deceived me into sending them money. But they made no contact to say they was pulling back on that offer, they still wanted their money or even send an account statement after they received that money. I feel I have been deceived and taken advantage of during a time of hard times.
The XXXX lady tried to stuff 2 products on me! A former finance XXXX and mark up 2pts on me! Soon to be charge back after I refi in 20 days! That 's bad business! One thing I never did! Stuffing customers and not actually selling the products! Worse experience ever!!! Know your personnel! And your customers XXXX XXXX was the finance Mgr XXXX XXXX
I closed an account with XXXX XXXX when I moved from XXXX XXXX XXXX XXXX, XXXX, CA. The XXXX in turn sent me a check for the credited amount on my account and closed my gas bill. On Monday, XXXX XXXX, 2017 I contacted XXXX XXXX and the representative informed me that my account was closed. Someone else attempted to turn on service at the address and then cancelled service. After that action XXXX XXXX turned service back at that address in my name without my authorization nor was I aware of this or notified. This account is now reporting on my XXXX Credit Report and I am outraged about {$190.00}. I did not live there nor request that action.
In XXXX XXXX, I sent in XXXX and XXXX XXXX payments. They were returned because I was informed after the fact that Selene Finance wanted 3 payments submitted. In XXXX i submitted 3 payments for XXXX, XXXX, and XXXXXX/XX/XXXX7.. I was just informed that they sent back all 3 payments because they want XXXX  payments. In addition, they are trying to put me in foreclosure status if all 5 payments plus attorney fees are not submitted by XXXX/XXXX/XXXX. How can they return 3 payments which would have left me owing for XXXX and try to add fees of {$2400.00} ( attorney ). That is not fair. This company is rogue, rude, and they lie. I have call this office 8 times in the past 2 weeks ; there was no reason to send back 3 payments then push me into foreclosure. I will resubmit payment for XXXX in addition payment for XXXX will be submitted by XXXX/XXXX/XXXX. I am not going to allow Selene Finance to bulling me, create fear and punish me by adding unnecessary fees ( attorney ) for my loan to be re-instated. This company is disgraceful. I read over 300 complaints filed against this company since XXXX. I will resubmit all 5 payments due but i am not paying for fees because they are trying to foreclose. 

My loan number is XXXX my contact number is XXXX XXXX XXXX XXXX XXXXXXXXXXXX
I filed a dispute on an account that I didn't recognize on my Experian report on XX/XX/2018 from XXXX, XXXX. Upon receiving the results of my dispute from Experian, I was informed that the account had been deleted. Less than a week later I received a call from the debt collector XXXX XXXX XXXX advising me that they are still reporting the account and I need to contact the credit bureau about it again. I called Experian to resolve this matter and was told that I would have to report it as fraud to get it off because they must have the wrong person to keep reporting the account on my profile. They refused any further assistance.
I have sent many disputes to the Credit Agencies and to ECMC in regards to the XXXX accounts that they are inaccurately reporting on my credit file. I have informed them many times that these accounts do not belong to me. I contacted the Credit Agencies and they stated that ECMC verified that these items are accurate. But it is ironic how ECMC will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from ECMC. Not to mention, these accounts are still reporting on my credit file. I need your assistance in getting this matter resolved.
I did a {$1.00} credit check on Experian. They then took my credit card and started charging me {$24.00} after 7 days based upon the " small print '' on their website with no opt out. 

They are a fraud mongering company. Terrible for a credit check company that then defrauds you. Not even any benefit. 

I got into this mess because of the XXXX breach and placing credit freezes. Experian makes you give them your credit card info to " sign up '' for your free account ... for 7 days ; then they start soaking you. 

They should be recognized as fraudulent, and forced to change their methods. Looking online, I see I'm one of many who believe they've been duped by this " free account '' scam. 

This started in XX/XX/2017, and only now am I realizing it. This, because I had to unlock the freeze, again had to put my card in, and they started charging me again on this new card.
Several years ago I was called and offered a personal loan on the telephone for XXXX from a company named GreenTree Servicing. I was told explicitly that it was a personal line of credit, a personal loan. I accepted and received normal bills and made payments. Aproximatly, one year later The bill started referring to the terms as a mortgage as though this was a second mortgage on my home! I had never taken out a second mortgage on my home with this company, especially at 13 % interest. They also failed to give me the rate that they promised which was about half. I contacted this company numerous times to no avail and to avoid bad credit I still paid the bill. Then they started misallocatibg the payments to only pay the interest on this personal loan which they now referred to as a Mortgage. Again, after so many calls a consumer can only take but so much. Subsequently, they then transferred my personal loan/ their supposed mortgage to Ditech who I still receive bills from and pay. At the same time, this said to be personal loan from GreenTree/Ditech which somehow attached itself to my mortgage then started coming with not only my name but my girlfriend 's name who is co-owner of the home. She had never been involved in this personal loan transaction. In fact, this entire transaction took place over the phone with no documents included to sign, all verbal. But again, she never had anything to do with this and I never agreed to the terms that they are referring to. My home had nothing to do with this loan. Without hiring an attorney how can I get this resolved as they are also now unwilling to modify or relook these terms and are now destroying my credit as well. This is blatant fraud and I feel extremely victimized. Thank you in advance for your help.
On XX/XX/XXXX, I got an email from American Express : Title : " Congratulations XXXX! Get Exciting New Benefits When You Upgrade to The Platinum Card '' Subject : " Dear XXXX, We appreciate your loyalty and your existing relationship with us as a Premier Rewards Gold Card from American Express Card Member. To make sure you get the most out of your Card Membership we wanted you to be among the first to hear about the exciting new benefits of The Platinum Card. These benefits are designed to bring you best-in-class service whether you are traveling or at home. 

Explore just a few of the many ways to experience the exceptional travel perks and rich rewards when you upgrade to The Platinum Card. With an abundance of premium benefits and services, the {$550.00} annual fee quickly pays for itself. 

XXXX Membership Rewards ( R ) Points ( 1 ) Earn XXXX  Membership Rewards points after you spend {$5000.00} in purchases on The Platinum Card within the first three months of Card Membership. XXXX points can get you up to {$600.00} toward travel. 

Get new privileges, possibilities and perks you deserve designed for your lifestyle. This offer expires XX/XX/XXXX. Upgrade now or call XXXX and mention POID : XXXX. '' So I chat with an Amex CSR asking about some fees when upgrading. After that, he asked me if he can upgra
de the card to Platinum through chat, I said Yes. There is no place in the email said that I will not get the rewards if I upgraded through CSR chat. Then I fulfill the spending requirement in 2 months.
After that, I checked again with Amex but they said they could not give me the rewards because I upgraded through chat. They escalated the case to marketing department with case number XXXX. A month after that, they came back and still stayed firm that I would n't get the rewards because I upgraded through chat! 

I am very disappointed at how American Express handling this case. There is no place in the email stating that I should not apply through CSR chat. That is a very deceptive marketing tactic from Amex. Also, As Amex Platinum is a prestige card with annual fee of {$550.00}, Amex should treat their customer a lot better than that.
In XX/XX/XXXX I was a self-employed home inspector. The housing market began a sudden decline and as a result I started to become delinquent on my bills. I received a check in the mail, from Beneficial of Ohio, in the amount of {$5000.00} along with a letter stating that, Records indicate that I may need some financial help at this time and all I had to do was sign the back of the check and cash it to open my account with Beneficial Finance. I thought the low in the market was temporary and so I took the offer. 
Once I got behind on this loan the fees and interest rate started to build up at a very rapid pace and no matter how hard I tried to work with Beneficial the fees and interest kept outrunning anything I could do. In XX/XX/XXXX Beneficial received a judgement against me for the amount of {$6100.00} which was far more than the amount I owed on the original loan in which I paid on for a couple years. I tried working with their attorney, XXXX XXXX to no avail. They refused to accept any and all offers including an offer in XX/XX/XXXX for the full amount of the settlement. They have now filed for a Revivor and said that I will now have to pay over {$13000.00} to settle this amount. 
This original loan was predatory in that they knew I was having difficulties when they made the original offer and they have continued this predatory practice ever since by adding fees, cost and interest that make it impossible to ever pay off. 
I had a total of 9 creditors in XX/XX/XXXX and was able to avoid bankruptcy by working with each and everyone of these creditors. Some settled, some differed interest and penalties as long as I made regular payments, but I was able to work with them to do the right thing. I attempted to do the same with this company only to be called names and be told that they will get all their money plus much more by XXXX XXXX, who works for XXXX XXXX, the attorney Beneficial uses to strong arm their clients. 
I have never denied owing them the money I borrowed and I have tried to work with them time and time again yet they continue their loan shark type tactics to increase their own profits.
Hello good day XXXX, this is XXXX XXXX XXXX XXXX, i tried calling your consumer care number regarding a transaction that i carried out me XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE..XXXX XXXX XXXX .I sent {$840.00} to my son XXXX XXXX XXXX XXXX for his school fees in XXXX and the next morning he went to the agent location to collect this money and he found that the money was already picked up by somebody else over there who faked his ID and used another face to collect the money. 
After carrying out investigation on what happened over there the authorities explained to me that XXXX has just XXXX zip code that is XXXX meaning that you can pick up money in any city so far as the money is paid inside XXXX 
My son 's leave in another city called XXXX which is the XXXX and the money was picked up in the XXXX called XXXX but now the authorities over there in XXXX asked me to call XXXX over here to get the proof of payment and forward it to them to financial institution that paid out this money over there because this transaction could only be carried out by the Banker that controls that financial institution that has XXXX services and the Cshier in charge. 
So after calling XXXX for several days now they ask me to contact your bureau so that you people can call XXXX customer care of which i have their phone number here with me and the details of the transaction. 

They said they could only release this proof of payment through you people as im gone to XXXX now to meet my Grand Father if he can help me to get some money while following this investigation because school has already resumed in XXXX and my son is still stacked at home because the hacker faked his ID and use it in collecting the money with the complicity of the banker and cashier in charge, So im writing you people to help me out in order to get this solve and the the XXXX direction will give you people the NAME OF THE XXXX STORE THAT PAID THE MONEY, THE STATE, CITY, THE CODE OF THE BANK AND THE NAME OF THE CASHIER THAT PAID THE MONEY, ,This can be in form of a receipt as they said. 


Here are the details of the transaction that i sent to my son that day. 

Amount .. {$840.00} Reference Number ... ... XXXX Sender ... XXXX XXXX XXXX XXXX ... .XXXX XXXX XXXX XXXX 


My phone number is XXXX XXXX XXXX XXXX XXXX ... XXXX Thanks and waiting
XXXX has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was open.
I opened a wells Fargo loan at XXXX XX/XX/2016. Never made a late payment and usually paid more than the minimum payment amount. 
On XX/XX/2016 I received a vague unsigned letter from Wells Fargo Executive Office stating that due to risk my account has been closed. 
This action negatively affected my credit score. 
In XX/XX/2016, My wife and I closed our Wells Fargo checking and savings account siting Wells Fargo corporate ethics as the reason for closing our accounts. I believe that this current Wells Fargo negative action is retaliation to closing our checking and savings accounts with them.