WillisBack/dataset-financial-user-claim huggingface dataset:
For the past month, I have been getting incessant robo calls, emails and now calls to my work. I am a cosigner on a loan and on  XXXX   XXXX ,    2017,   XXXX   XXXX ,    2017, ( s econd time on  XXXX   XXXX ,  2017 )  and  XXXX   XXXX ,    2017, I  emailed  Navient and  asked them to stop robo-calling. Today I was harassed at my place of employment. When I expressed that they are NOT to call me at work, she advised me that " the calls WILL continue. '' This is harassment and I want it to stop.
I opened an XXXX XXXX  XXXX XXXX card in XX/XX/2017. When signing up for the card, I put in my XXXX  account number. I am supposed to get a free night certificate on my one year anniversary. 

Somehow, on XX/XX/XXXX, American Express changed the XXXX account number on my file to that of my brothers. This itself is another privacy issue. I called them 3 times about changing this back, but the person on the phone could not do it. 

Anyway, one year has passed, and now when I check on the status of my free night certificate, they tell me that it has been issued already. To the wrong account. They tell me to talk to XXXX. I talk to XXXX and they said to talk to Amex. 

Amex tells me that they have no idea how the system changed my XXXX account number to my brother. In my earlier monthly statements, the correct XXXX account number is there. Somehow, that changed in XX/XX/XXXX. 

After talking to the chat help, they finally changed the number to my correct one. However, the free night certificate has already been sent to the wrong account. 

Amex can not cancel the cert and reissue another one. They also said they can not compensate me the points equivalence ( XXXX XXXX   points ). They have wasted about 10 hours of my time on this issue which started with a data issue and privacy breach.
For years, XXXX/XXXX/XXXX, we have instructed DITECK not to pay AAA FLOOD Insurance, which we are not required to maintain anymore, See # 1. Diteck finally sent us a confirmation letter dated XXXX/XXXX/XXXX, about our loan not longer requiring flood insurance, See # XXXX & XXXX. YET, THEY, AGAIN, PAID XXXX {$670.00} on XXXX/XXXX/XXXX, see # XXXX. We have also contacted XXXX for the last 3 years. Our last call on XXXX/XXXX/XXXX to XXXX Representative " XXXX XXXX '' informed us that their records showed we had called and requested a " Voluntary '' policy we did not need. XXXX is maliciously and illegally renewing our policy against our will and Diteck is being negligent when paying XXXX after been notified and documented of the problem. PLEASE HELP.
Long story which I will keep as short as possible. I received a notice on XXXX/XXXX/XXXX from my bank that my account was frozen and told to contact Riverview Law. I 've called them every single day since XXXX/XXXX/XXXX trying to get details. They had the wrong name, incorrect address, address that did not exist in the state of MN. I 've been asking for a detailed list of all notices/bills sent for a medical bill from XXXX for my XXXX XXXX XXXX son for a XXXX injury that happened when he was living with his grandparent 's in XXXX MN. They have ignored me, hung up on me and put me on hold for long periods of time. They sent me a letter stating that due to the age of the visit there was no consent form on file. This is not true. I have the records and I informed Riverview Law before this letter was sent that I had them. They also told the XXXX the same thing. They now claim that the hospital misinformed them. I 've been trying to verify the debt and have asked everyday since XXXX/XXXX/XXXX for names, dates and addresses of where these notices were sent. I did manage to get XXXX bill from XXXX XXXX XXXX dated XXXX that they send was mailed to me. I 've informed them again that the address on the bill does not exist in the state of MN. The street address is a XXXX address and the city and zip code are for an address in northern MN. I 've offered to work directly with the hospital regarding this matter since I do n't feel that Riverview Law is honest and forthcoming with information in my attempts to resolve this matter. They said is does not matter if the information is not correct, they have a judgment and can legal garnish my bank account. I 've told them many times that I never knew about this and how was it fair that I have to pay over what the original debt is because both XXXX XXXX XXXX and Riverview Law did not do their due diligence in properly informing me of this matter. If I was informed like they are saying I was why is it that they have a wrong last name for me, an incorrect/not vaild phone number and an address that can be verified by the XXXX XXXX XXXX as non-valid in the state of MN. They also just told the XXXX that half a dozen notices were sent to me at my current address between XXXX. I was told by the hospital that Riverview Law did not have this file until XXXX. I questioned how they can make that statement since they did not have this debt at that time. I also have proof that I did not live at my current address until XXXX/XXXX/XXXX so how is it that they sent notices to an address that I did not live at until after the time period they are referring to. There are many complaints out there regarding the tactics regarding Riverview Law and my story is very similar. I do n't believe that I was ever properly notified by Riverview Law regarding this debt. In my dealing with them everyday since XXXX/XXXX/XXXX, I have records to prove that they have lied about the information that is out there regarding this debt.
I was sent a  Chase Amazon  Rewards credit card for which I never applied, and with an {$8500.00} limit. When I called the number on the back of the card, I was transferred to a fraud protection organization. The representative said she was canceling the account but would not give  me ANY information, such as if other cards were opened on the same account, if the card was ordered in conjunction with an Amazon purchase, etc. The representative would only stick to her script. This makes me wonder if opening the account in my name was an inside job ...
XXXX Pacific - Called Care Credit Synchrony Financial at XXXXXXXXRequested credit line increasePhone system requested salary/homeowner informationPhone system did not ask for permission to do a hard-pull from credit bureau before proceeding. 
Phone system denied credit line increasePhone system confirmed current credit line of $ XXXX was not changed. 
XXXX Pacific - Received email alert from XXXX XXXX Type New InquiryProcessed Date XXXX/XXXX/2015Inquirer Name SYNCBPhone Number ( XXXX ) XXXX XXXX Pacific XXXX Called Care Credit Synchrony Financial at XXXXXXXXMale CSR verified informationExplained to him, I was not given the option to authorize a full hard-pull inquiry into my XXXX report. 
XXXX Pacific - Male CSR connected call to XXXXXXXXXXXX Pacific XXXX She placed call on hold and checked request to remove the unauthorized credit inquiry. 
XXXX Pacific - Female CSR did not have the ability to remove the inquiry once the system pulled it from my credit report. I again explained that I was not given the option to say Yes or No to the phone system before proceeding with credit line increase request. 
XXXX Pacific End CallSynchrony Financial / Care Credit did not have my authorization to proceed with making a hard-pull inquiry into my credit report. The system did not explain my options ( opt-out ) before proceeding. I am requesting the above XXXX/XXXX/15 " SYNCB '' inquiry be removed from my file immediately.
XXXX XXXX 2014, I initiated disputes with Experian XXXX and XXXX XXXX regarding the removal of account reporting on my credit reports that did not belong to me. SubsequentlyXXXX and XXXX XXXX proceeded to investigate and found that the information was incorrect and the accounts XXXX XXXX ) in total were deleted from my credit report. Experian Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have re disputed these entries ; they still have chosen to do nothing. I am requesting for the third time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.
I own a house in XXXX XXXX, NJ and I am having a tremendous amount of difficulty with Lakeview Loan Servicing and the Borrower Loss Mitigation Application. 

I am very concerned about the mortgage. In XXXX, XXXX, and XXXX, I have made several phone calls to Lakeview and have not been able to move forward with obtaining a positive resolution to the Borrower Loss Mitigation Application. I feel that I have been ignored.

When I called, I was told that Lakeview had changed my representative. They have changed the represenattive 3 times. These changes have delayed the process of my application. The first representative did not reach out to me. 

At this time, I submitted this Borrower Loss Mitigation application approximately 3 months ago. Additionally, I have submitted the requested documents to Lakeview over and over again. It was only after I called again, and I filed a complaint, that a new representative was assigned to me. Then, I was told that I needed to send the application documents once again. This is totally unacceptable. 

Last week, I called and my representative was changed once again and was told that the lawyer proceedings was suspended. 

I am unclear why a lawyer has contacted me, giving me 45 days to settle this outstanding debt, and to remove myself from the property when I have I completed the Borrower Loss Mitigation Application several months ago and the delay has been on Lakeview 's side and not mine.

I need to hear back from Lakeview as soon as possible. I need to receive confirmation that my application was successfully processed. I want to be back in good graces with my mortgage.

I have been in steady communication with Lakeview and I an unclear as to why a modification has not been provided to me as of yet, given the fact that I have a reduced income. I continue to look for employment at a higher salary rate, and I am very interested in being in compliance with my mortgage.

I feel like I have been going in circles with them.

At this point, I wonder why are they not processing my application and continuously changing my representative.

I have involved the organization HOPE with my case with Lakeview.

Many thanks for your help and speedy attention to this stressful matter.

All my best.
I am needing to buy a home for my grandbabies to grow up in with me. My credit report has this collection on it and I think it 's wrong. They never write me or nothing!
I have been trying to pay off my mortgage since XXXX/XXXX/15. I first attempted to have my bank make a payment only to be told by XXXX/XXXX/15 that my mortgage company, LoanCare did not receive the payment and that my bank had sent it to the wrong address. I later learned that this was incorrect information and that in fact the address was correct. I then stopped payment on the check since no one at LoanCare could tell me if they had received the check and the customer service rep had advised me the payment in the amount of {$90000.00} was mailed to the wrong address. LoanCare cashed the check the next day ( XXXX/XXXX/15 ) and charged me a {$30.00} NSF fee. 
I then spoke to a supervisor who told me that it would be best to wire the funds -- I did this on XXXX/XXXX/15. My bank confirmed the funds ( {$91000.00} ) were wired on XXXX/XXXX/15, and I called LoanCare almost every day following only to have the customer service reps tell me that they still had not received the funds. Of course, there was no one they could transfer me to to let me know if they had received the funds. I called back again today XXXX/XXXX/15 only to be told that they had received the funds XXXX/XXXX/15 but had sent back the funds today because it was {$490.00} short to pay off the loan. According to their own payoff wiring instructions attached " payoff funds must be sufficient to cover all escrow advances, interest, prepayment penalties, principal, and changes. Payoffs that do not meet these requirements will be retired if additional funds are not received within two business days after payoff department has made contact. '' No one from the payoff department or my mortgage company has ever bothered to contact me regarding the extra {$490.00} needed to pay off my mortgage. I still do not have my {$91000.00} that they kept from XX/XX/XXXX to XXXX/XXXX/15 only their word that it was " returned. ''
I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : XXXX BRCLY BANKED XXXX XXXX XXXX  ( 3 times repeated ) XXXX ( 2 times repeated )
XXXX XXXX contacted my mother in law and told her that I havent paid my bill in four months. They also contacted a person who I havent spoke to in years and left a message, after she told them she doesnt talk to me, they continue to call her. XXXX XXXX has my address and my current phone number. They do not need to harass other people to locate me, they have my full contact Information. They also discussed my private financial situation with my mother in law who is considered a third party. I am not a minor and none of these people are co signers of this debt. Therefore, they shouldnt be contacted nor made aware of my financial situation.
I did not understand the interest on the balance, the amount is more than what I was told and not I 'm seeing a decrease with my payments.
i have requested information on this debt bearing my signature and have not received anything stating that I owe this company any money.
I have an issue with Bank of America and there " Keep the Change, '' promotion. I was told to keep a savings account open to keep the change from my checking account. I was told that as long as I had {$300.00} jointly between all accounts I wouldn't be charged fees since all my accounts were bill linked. After looking at my account on XX/XX/2018 I noticed a negative balance with $ 5 monthly maintenance charges going back to XX/XX/2016. 
I would have just as easily closed the account but was told by a Bank of America customer service rep at a branch that it wouldn't cost me anything to keep it open. 
I spoke to customer service XX/XX/2018 to close the account due to deceitful banking practices. I was told one thing but treated another. The customer service rep credited me {$5.00} and than was told to close the account. 
I have been a Bank of America consumer for over 20 years. It pains me that an organization could put 100 % of the blame on the customer. I do hold myself somewhat accountable for not monitoring my account 100 % of the time and putting 100 % trust into Bank of America. Bank of America is liable for the initial conversion and answers to my introductory questions to the account. If I had been told originally of the underling problems that would have persisted, I would have closed the account back in XX/XX/2016.
on my credit report it shows XXXX/XXXX as an open account. but this account has been closed for over 6 years.right after this is another XXXX account that is closed. it is the same account. 
incorrect reporting.
In regards to my previous complaint XXXX USBank was required to respond to my complaint on XX/XX/XXXX, they provided me with XXXX forms ( a claim form and affidavit which I have attached ). 
-On XX/XX/XXXX, I had these documents notarized and faxed. 
-I called them on XX/XX/XXXX and they stated that they had not received my documents. I refaxed and emailed them my fax reciept and the documents again on the same day. 
-On XX/XX/XXXX I spoke with USBank to XXXX in Fraud and was told that their e-fraud department would be getting in touch with me. 

I have not heard from USBank since and have not been reimbursed the escrow for which I was overcharged.
A credit was applied from XXXX to my credit card account, dated XX/XX/2017. On XXXX, I used XXXX, on the CitiCard website and asked the credit balance amount, approx {$750.00}, to be sent to my bank account. This is the same bank account used to make payments for the credit card use. I was told it would begin processing on the next business day, XXXX. I called CitiBank on XXXX asking for the status of the credit balance refund request and was told the refund was initiated on XXXX. They could not explain why it was not initiated on XXXX even though I had not used the credit card since XXXX. I do anticipate the credit balance refund to be applied my bank account by approx XXXX based on their timing shared, on the second request. 

It seems the credit card company, in this instance a bank too, failed to execute the initial credit balance request and waited nearly 6 days, 3 business days, before they supposedly initiated the refund process. In the meantime, the bank continues to earn interest from my credit balance owed and I 'm sure thousands of others too. If indeed the refund request was initiated on XXXX, which I doubt since they lied to me on the first request, why should a bank/credit card company be allowed to hold a credit balance, in this case for 11 calendar days? 
1. When a customer has a credit balance for longer than 5 days, the bank should be automatically contacting the customer on how to proceed to refund the credit balance. 
2. My account history shows I requested the credit balance refund on XXXX, and therefore should have been processed on the next business day, XXXX. 
3. Credit card companies should not be allowed to delay a credit balance refund request if the credit balance is over a certain amount -- example {$250.00}
This is the history that was made to my account on XX/XX/XXXX I made a payment for {$430.00} and {$170.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$410.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$270.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$240.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$330.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$280.00} went to the interest. The interest was just extremely high it keep increasing every month. I had to leave this bank immediately. However all my payments were made and is in good standing. I would not recommend this bank to no one. I still have a large balance on this loan like I never paid.
I did not sign any contract with the XXXX and when I cancelled my service they asked me to pay the penalty for breaching the contract which I never sign so the ... .I am willing to pay the dept if they have any proof that I owe them this money ... .thank you
On XXXX XXXX, i was told that my account was closed. The reason is that i do n't have utility bill to prove my address is active. Chase closed my account. Until now, nearly a month, i did n't receive the reset of my money. It is very terrible experience. i do n't know when can i get my money back. It is a big amount of money for me.
I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on my report came from identity theft. And instead of blocking the items, they put them in dispute. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Transunion which is not true at all!!!
XX/XX/2012 I wrote a check to XXXX for a water heater, the water heater did not fit, so I returned it to XXXX. They told me I would have to wait two weeks for check to clear before they could refund me. They did n't have a water heater that would fit my closet and I did not have an additional XXXX dollars to just buy one elsewhere and wait for a refund, so I explained to the manager that I would leave the water heater there and stop payment on the check. She wrote me a receipt for item received and I went on my way. 
Then recently I check my credit report and seen a collection for XXXX to trident management so I contacted them and was informed that it was for a stop payment on a check to XXXX. I explained what happened and only relief I was offered was a settlement. I disputed through XXXX and was told it 's a valid debt. This is NOT a valid debt, they have the item I returned and then turned the stop payment check over for collections. Which I would think is some sort of fraud to collect payment on goods they have in possesston.
I 'm still getting harassed by CitiBank through their automated phone call, to whit : XXXX on the average of 6 times a day. I 've already told them that they will get get what I can pay. They do n't seem to understand that. Is there any way that someone can get them to stop the phone calls? Please? 
Thank you for your time.
Wells Fargo is denying my request for loan modification. Affordability was an issue and the fact the loan was owned by private investors. 
I currently have an estimated balance of {$100000.00}. I would like to submit a payment for {$55000.00} and request the balance be modified with a 30 years mortgage payment. 
Over the last eighteen months I had asked at least XXXX times for a modification and they had denied with the excuse of affordability. However, I feel their lock of cooperation, had a sole purpose of rip-us-off of our equity, our health and our memories. My loan increase from {$72000.00} to {$100000.00} ( estimated only ) and is on the rise every day. I want to settle this off. I even offer to pay off the {$72000.00} initial balance and call the loan paid off. They just do not care but to take my home away from me and my family.
This account doesn't belong to me. 


XXXX XXXX Closed : XX/XX/2017 XXXX
It was {$100.00} {$48.00} 2 times that was purchased on XXXX my information was compromised are trying to steal my XXXX XXXX account some online hacker XXXX XXXX   XXXX XXXX XXXX
Have received numerous calls at work and at home that are threatening and often during none business hours. Threats include jail, contacting my employer, visiting my place of employment. Another stating it is from XXXX dept. threatening to file a law suit and that the alligations were serious.
URGENT SHERIFF SALE TOMORROWXXXX XXXX WELLS FARGO HOME MORTGAGE IS A FRAUD & gt ; HE TOLD ME LAST THURSDAY HE WAS INVESTIGATING ALL THE CFPR COMPLAINTS AND WOULD POSTPONE MY SHERIFF SALE IF HE WAS STILL INVESTIGATING. 
TODAY HE SAID HE WAS STILL INVESTIGATING AND HE DID NOT CARE ... I WAS GOING TO SHERIFF SALE. MY HOPE COUNSELOR WAS HORRIFIED AT HIS TREATMENT. 
YOU MUST INVESTIGATE THESE HORRIBLE BANK TACTICS. I AM A BANKER FOR OVER 25 YEARS AND HAVE NEVER BEEN TREATED SO BADLY BY A BANK. 
WHY ARE N'T YOU IN THERE LOOKING AT WHAT IS GOING ON?????? 
NOTHING IS WORKING, PLEASE HELP. THESE PEOPLE ARE MAKING IT SO DIFFICULT TO GET A LOAN MODIFICATION. I HAVE HAD XXXX PEOPLE HELPING ME WITH THE MORTGAGE ... THEY ARE A SCAM & lt ; FRAUD. WHY ARE YOU NOT IN THERE????????