WillisBack/dataset-financial-user-claim huggingface dataset:
As a current home owner, I reached out to Amerihome Mortgage approximately 4 months ago when i was not able to make my morgage payment. At this time I was 30 days past due, and contacted the customer service department to advise my payment was too high for me to pay. 
My mortgage payment was around {$1500.00} per month, which was not a problem. Due to the home being new construction, the taxes were not assessed properly or not at all and I received a statement advising that my new monthly payment was around XXXX per month, which i could not pay. Up until that time, my monthly mortgage payment was on time monthly. 
I contacted Amerihome and requested possible solutions to this issue, they were no help at all, they advised me that I must make the {$2800.00} payment or else. I asked if they would accept the {$1500.00} payment until I could find means to try to catch up the taxes and I was advised it would not be accepted. 
I started the paperwork for a loan modification as the agents advised me they would be willing to help me. 
This process took 5 long months! Unbelievable! Only to tell me that I do not qualify for the modification, but they would provide me with a repayment plan of {$4300.00} for 5 months, then {$2800.00} for the remaining months. 
Really??! If I am unable to pay {$2800.00} per month, which I clearly stated to the agents, how am I able to pay {$4300.00}??? 
I find their practices deceptive as they really are not interested in helping consumers, but wish to foreclose.
Cash Central has been calling my home at least four times a day for several months. They have called my in-laws, run my husband 's credit without his permission, and called my office several times. The dates and times are documented and available. 

They say a loan was taken out over the internet in my name. When asked for proof they sent me a legal document that had my name and address on it only ( obviously available on the internet ). They did not show a signature, location of where the loan was requested, location where the funds were provided to, social security number that was used, birthdate that was used, or mothers maiden name. 

They have requested personal information of that nature from me and stated they will begin their harassing calls again if we do not provide the information requested. 

I have never heard of their company ( nor want to again ) and have never applied for an internet loan.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 

Account Account Number Provide Physical Verification XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX XXXX
judgment was filed for a credit card debt of XXXX of which XXXX is late charges. Payment could not be made in XXXX when economy tanked and consumer was laid off for XXXX years. I have paid {$2100.00} and have the money order receipts for these payments 0f XXXX dollars for the past 3.4 years. I called to settle this debt and was told it would be based on my current income and Sessions and Rogers wanted to go overall of that on the phone. XXXX charged this account off but is still reporting on my credit. I called XXXX and they can not give me any information because the account was sold. Sessions and Rogers say they do n't report to the credit bureau. I feel like I have paid my dues on this account. We are having lay offs at my company and I want to settle this account as paid with no further payments. I cant get any straight answers. Sessions and Rogers filed a notice of right to have exemptions designated and I completed this to show I had XXXX assets at the time. They still sent the sherriff with a notice demanding payment with court fees attached which appears to have been an unfair and deceptive practice of harassment. I would like to have this judgment released. Enough is enough. I have not missed a payment in XXXX years
Chase is increasing escrow reserves on mortgages over a reasonable balance to maintain and use funds in escrow over the amount required to the detriment to the borrower and to increase funds for the bank investments.
I have a bankruptcy on my credit file. I wro te the BK c ourt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX ,  XXXX , Equifa x &   XXXX  they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unnamed  3rd party, co uld easily be considered false information on my credit report.
Several years ago I had all 3 CRAs add a an extended fraud alert onto my credit file. At that time, I had both cell number and resident landline. Approximately over 3 years ago, I cancelled my landline and requested the 3 CRAs to correct the phone number listed on my fraud alert to only reflect my cell number. Equifax only accepts changes to the fraud alert in writing so I had to write to them to get it corrected both times. I believe I requested this change in XX/XX/XXXX and again in XX/XX/XXXX but whenever I check my credit report with them, I would see a second number showing on my fraud alert. When I recently signed up for the product they are offering due to the recent breach into their database through XXXX, I also checked my credit report and found a second phone number again showing on my fraud alert. I have been trying to call Equifax since approximately XX/XX/XXXX but I have been unable to get through their line. I only have time during my lunch break to call them and their hold time is more than 15 minutes ( that is if the line is not busy ). When I tried calling them after I get off work, their office is already closed. I tried calling several times a day but I have been unable to talk to anyone. The 2nd number that is showing on my fraud alert is XXXX. I want to know how a second number got added to my fraud alert since I have requested twice already to only have my cell number on it.
I advised on XX/XX/XXXX that i will try to make a payment on XX/XX/XXXX. I explained that im not working full time due to XXXX. I Rcvd at least 2 or 3 calls each day since XX/XX/XXXX. I received text messages and voicemails stating i will be sued. I received a phone call at work on XX/XX/XXXX from B & R Finance which my employer advised that i can not accept personal phone calls. I received a phone call at work again after advising that i can not accept personal calls. I dont want my job at risk.
I received a letter over the mail from a debt collector stating I owe {$900.00} I do n't know where this amount is coming from so I would like to dispute it I 'm enclosing my debt dispute letter.
Debts were incurred to Citibank around XXXX years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( national recovery center, inc. ) is now attempting to collect this debt. ( note, i submitted an earlier complaint against XXXX. that name was incorrect, and this complaint corrects that mistake ).
I was informed by XXXX after placing a request for XXXX through there online app that their was a freeze on my credit report. Upon receiving this information I spoke with 1 customer service rep ( who was rude ) and 2 supervisor 's in an attempt to correct an error in which on XXXX/XXXX/16 I had request for permanent removal of the freeze. No one assisted me in the error that Equifax caused. I continued to be informed that I had to pay another XXXX in order to get it removed after I already paid on XXXX/XXXX/16. The way in which they speak to the customer is an attempt to confuse them which is no professional nor ethical.
I do n't know what is going on but Equifax put a fraud alert on my report a long time ago, and I just found out that the reason I ca n't get credit limit increases or open any credit accounts is because of this. They 've done this to me before without me requesting it, and I had to go through so much trouble verifying my identity. They seem to place fraud alerts whenever I 've disputed inaccuracies on my report. Now I ca n't even view my report because they are saying I am answering the security questions wrong! Now, here 's the real issue : Equifax lets me get hit with hard inquiries but does n't provide verifiable information to creditors in order for them to approve me for anything! So my report has been pulled numerous times but not a single inquiry has even resulted in a clear approval or denial of credit! I have no idea how long this has been going on, but it is unfair that my score has dropped as a result of inquiries when the companies pulling have no way of getting my information!!! I DO NOT want to photocopy my ID, etc, and do all this mail-in nonsense with Equifax again! I did not request a fraud alert! A while back I disputed hard pulls because a company I applied for a loan with sent out my application to tons of banks without me knowing. If that 's the reason for the fraud alert a simple freeze would have sufficed. I ca n't even add my phone number to my report so creditors can " verify '' my identity.
I deposited a check into my account which I was under the assumption was fine. After the check was accepted by the ATM machine and it completed the deposit and gave me a receipt. Later I received and Email from Bank of America stating there was some suspicious activity with my account. I was unable to get in touch with the bank that day after several tries. the next day i went to loo at my bank account to see if i could figure out the problem through my mobile app and it said that my account was locked. Once again I called the bank and was told that the check was counterfeit. I told them I was unaware of that fact. I never received any of the funds nor spent any of the money considering that I was not intentionally attempting to defraud the bank. I have had the account for a year and never bounced a check or anything of the sort. Bank of America then told me they were closing my account and that was the end of it because they reserve the right to close any account at any time. What really got me was then they said they reported me to XXXX and I would not be able to open another bank account anywhere for 5 years which as a XXXX year old person not to have a bank account in this day and age is unbelievable. I 've also received two letters from the bank stating the closure of my account but have n't received a check for the that was in account before the deposit.
I had a debt owed to an apartment complex that when to a collection agency called XXXX. I called them on XX/XX/2015 and paid it in full {$2100.00}. Approximately a year later I noticed that it was still on my XXXX credit report so I contacted XXXX again and was told that they have had problems with XXXX doing such things and that they would inquire on that and was given a confirmation number as well. I have been monitoring it and it still has n't cleared up. Now, the Account has been turned over to a new collection agency, XXXX XXXX XXXX. I have been having trouble contacting them due to my schedule and extremely long hold times.
I have been trying to get involved with cryptocurrency, so I checked out a popular app called Coinbase. I wanted to just start off very slow so I put in XXXX XXXX and waited about a couple weeks and tried to withdraw it. They say it usually takes about 3-5 business days for it to go through but I have now been waiting since XX/XX/XXXX since it 's been " pending ''. It is now XX/XX/XXXX and the only email replies I get are from bots saying the same thing. I am getting zero help at all from this company and I want my money back.
I called XXXX XXXX to dispute my debt and they informed me my account went delinquent on XX/XX/XXXX but my date opened on account says XX/XX/XXXX, ive informed them to validate the debt but they never changed open date which i felt like was re-aging. I never paid anything towards the bill because I was XXXX so their should have been no reset of time
I received a phone call on Monday, XXXX XXXX, 2017 at  around XXXX from a company called Premier student loan center claiming that they worked to help people deal with their student debt in which they call a forgiveness loan. They asked me if I owed more than XXXX dollars so I said yes. They asked for my name, address and name of the company where I am currently paying my student loans. They were able to pull up my information and said that I qualified for the maximum amount which would lower it from XXXX to XXXX. All I had to do was pay a fee of XXXX for 5 months for their services in which after I made the five payments I would only be paying XXXX dollars a month toward my loans. They asked me to provide my social security and card number for these payments. I was then charged for the first month which was the XXXX dollars. On Wednesday XXXX XXXX, I called the company where I have my student loans and told them about the call I received from Premier student loan center. Once I told them about the situation they told me that it was all a scam all loan forgiveness should be done within the same company free of charge and that they had not been contacted from any company by that name.
Recorder Of DeedsRef : XXXX State Tax Lien - Filed Recorder Of DeedsRef : XXXX Federal Tax Lien - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.
Received a call from a  XXXX   XXXX  claiming to be a privat e investigator  for the pinn acle Group.   Claims that I have a breach of contract with  XXXX . The original principal that was charged off was {$610.00}. Now with post charge off and with an interest rate of 24.99 % the fees are at {$1100.00} making the total claim {$1700.00}. Also after legal fees the total amount due is {$2900.00}. I am being told that a lawsuit is being filed on  XXXX , my bank account will be garnished but I have the chance to settle for 50 %. If settled a release of liability will be sent to me so I can forward to all creditors.  <P/> Claim #  XXXX  number to  XXXX   XXXX  ext  XXXX
I had a IRA certificate of deposit that I opened with XXXX XXXX XXXX that Key bank took over. Upon the maturity of the certificate and transfer to another bank, Key bank kept {$25.00} transfer fees for itself. When I opened the certificate at XXXX XXXX XXXX in XXXX 2014, there nothing in the contract that I signed that stated I would be charged a transfer fee. Key Bank took over my ira from XXXX XXXX when it took XXXX over, but that does not give Key bank the legal right to change my ira terms without my consent.
In XX/XX/XXXXI had a XXXX phone belonging to my son and myself. XXXX was very nasty at the time, I ignored them keep from having a XXXX or XXXX XXXX at the time. I sent payments to them for this account, in which they told me they had applied the payments to another account I had with them. I was really angry, so I stopped paying them back in XX/XX/XXXX. It fell off of my credit report with XXXX after 7 years. Then XXXX after 8 years and the limitations were up ( the 7 years ) sold the account to Enhanced Recovery in XX/XX/XXXX. How could they sell the account after it was past 7 years. Anyway, I tried to pay XXXX again, and the cost had increased a lot from what I originally owed them, and that is where we are now, I am told that since they sold this account, Enhanced Recovery can use it as a new date of XX/XX/XXXX. So now its been almost 14 years that this account has been in existence. I would like to know if you can help me at all. I hope you can understand what I am writing, it seem very unfair, if XXXX sold it before the 7 years, I could understand a little better, but it was well after. I am XXXX years old next year, and I ca n't fight this by myself. Thanks and have a great day!
XXXX XXXX, 2015, I became certain that I was dealing with a dishonest company that does n't return calls & when we call it puts u on hold for XXXX minutes & more & then disconnects the call over & over again, & that all others have had the same problem with them, I was sold a bogus home warranty by a company that did n't have honest business practices & had given me contradictory information & never sent me the membership package despite my several requests for it neither any receipt for charges they had made to my Chase Credit card, on XXXX/XXXX/15 I reached a conclusion that I 'm wasting my time & it 's not gon na get any better & sent them a cancellation request & requested a full refund of my money, not knowing that I was overcharged by them {$390.00} & another {$50.00} as well back in XXXX & XXXX as I had a big flooding disaster in my home & was overwhelmed with extensive repairs & damages & its consequent health problems it had cost me. I become more certain of the indecency of this company for having taken so much extra funds out of my account & not crediting back the overcharges on XXXX/XXXX/15 ( the same day I found out, I asked my bank to charge back or file a dispute )! I contacted the company via phone & email & left them messages to refund my overcharges immediately as well & have not received any calls or messages from them, then filed a complaint with attorney general office of NJ & found out they 've XXXX open cases already against this entity! I asked Chase credit card disputes department to put all charges on dispute by this entity & change back all the amounts they 've taken from my account & the rep did n't want to help me because it was past 90 days from the posting date! I called them several times again & they would still say the same thing while they have a duty to protect their client when their client is in great standing & has been taken for a ride! I have had special circumstances & had not become aware of the overcharges by this deceitful entity. My bank has a fiduciary duty towards me to protect my accounts & funds specially in unfortunate circumstances. I 've the right to have a saying about my founds! I 've been a great client of Chase bank & ca n't accept irresponsible approach to a client whose funds have been stolen from her account! I know that banks can help with a dispute/chargeback request even past 90 days when it 's a crucial matter. I 've seen other banks accept disputes from my colleagues past 90 day period, & would like to make sure my bank takes care of this matter immediately as I wo n't let my bank let this company run with my money. If anything, you would think your bank would exercise some power to protect the account holder & their funds! I have n't hired this bank to throw away my money for me in the hands of dishonest people. It happens to a lot of people that sometimes they do n't catch an overcharge or indecency of a company within 90 days of its charging dates, & that 's not appropriate to not protect the client as the consumers are protected by Consumer Protection Act beyond 90 days!!! & in my case thank XXXX I found out a few months later not years later!
On XX/XX/XXXX this company took out another hard inquiry on my report as if I was opening a new account. Prior to this inquiry on my report, I was NOT trying to get any line of credit with them, open an account, or refinance my account. I already have an open account from XX/XX/XXXX from them. The company is using this as a way to get back at me since I am a few weeks behind on my payment. Instead of just updating my open account and marking it as late. They attempted to open another account without my permission, knowing that it would make my score down some more. The company reports when you are behind ONLY, but NOT when you make payments on time.
We XXXX have attempted XXXX Mortgage Modifications with Wells Fargo. We have been lied to, tricked, cheated etc ... The XXXX application was approved, our monthly payment was increased and we were promised XXXX, that 's a disgrace. XXXX Mortgage Modification attempt we were denied because we were current on our payments. As soon as we applied for this XXXX Modification Wells Fargo placed a For Sale sign in front of our home. We applied for the Modification because we were in danger of default, this is XXXX of the reasons to apply for a modification. XXXX Mortgage Modification, Wells Fargo requested document after document and then Foreclosed on us while in Modification. We saved our home with an emergency Bankruptcy which stopped the sale 5 minutes before it was to begin. The XXXX Mortgage Modification attempt we were denied, Wells Fargo added over XXXX in imaginary income. Then said we did not qualify because of our income. 1 year later Wells Fargo said that they made a mistake on our income but they never rectified it. We then sought the assistance of Keep Your Home California. They instructed us to call Wells Fargo for Modification and Principal reduction documents to fill out. The representative of Wells Fargo started yelling at me, yelling that Wells Fargo was not going to send me any such applications. Keep Your Home California instructed us that we could do this later. Wells Fargo received XXXX from Keep your Home. We understand that a Bank can charge a small fee for a Modification, but Wells Fargo paid themselves XXXX for administration fees, they stole XXXX from the Federal Government and from us, in this usual trick of theirs. Wells Fargo called the help Keep Your Home California gave us a Modification. According to Keep Your Home it was not a Modification and that now I can apply for the Principal Reduction and Modification. Wells Fargo is now in the process of selling our Loan to another Bank. They approved sending us the documents for Principal reduction and Home Modification we requested but reneged on us saying to ask for this Principal reduction and Modification from the future new Mortgage Holder. Wells Fargo has caused us to suffer a great deal with worrying, despairing, sleepless nights etc ... We are XXXX years old and Wells Fargo has not shown one iota of cooperation. If anything the total opposite. We can bear their injustice no more. One last thing, Wells Fargo forced us to pay twice for the month of XXXX, 2014.