WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have a mortgage with XX/XX/XXXX. I am a XXXX  in XXXX County. In XX/XX/XXXX Hurricane Irma struck and we requested a disaster forbearance for our home. XX/XX/XXXX granted the forbearance to the end of XX/XX/XXXX. At the time my mortgage payment was {$2600.00} per month. I had never been late since buying the home in XX/XX/XXXX. They told me at the end of XX/XX/XXXX to call them to set up new terms for the mortgage. I did so and was put on a 3 month "  trial '' period of an increased payment from what I had been paying prior ( {$2600.00} to {$2700.00} ). At all points in this forbearance and modification of the loan have I followed all of their requests without fail. In XX/XX/XXXX they reported to my credit report that I am 60 days delinquent on my payments thus literally destroying my good credit. I have requested with them that they fix the credit report with an explanation the I have been under a forbearance due to disaster and have paid all payments that they have requested. I did so in writing to them and have, as of yet, had anyone correct this on my report. I've been complaining since XX/XX/XXXX ( the very day of the credit reporting ) for them to fix this and was assured they understood and would do so. This has been to no avail. I have lost my good credit, had my credit cards either reduce my credit limits or outright cancelled my credit. On top of this, they now state that I have a " lien '' on my house and they requested I go to the XXXX county records office to " prove '' that this is not the case because I presumably have a " common name '' and they now have the modification of my mortgage on hold. I went to the county records office and found no such " lien '' under my very specific name and faxed them all that was on the county record. 
My grievance is twofold. They are taking advantage of people that suffered through a natural disaster and misreporting this to the credit bureaus that I am late on payments when I have followed to the letter what they have requested. I want my credit report accurately reflected as what has really happened. Also, the underwriters appear to be playing a game stating I have a lien on my property that does not exist just to stall on the final arrangements for the mortgage payments from this time forward. I want them to quickly resolve these problems as soon as possible. No more stalling, no more games, no more requests to run 20 miles to the county courthouse to find non-existing liens on my home or in my name. 
I researched the XXXX XXXX XXXX web site for complaints against XX/XX/XXXX and found two other complaints from Hurricane Irma victims that are similar to mine. The company needs to be held accountable for their misdeeds against the victims of natural disasters and do what is appropriate.
On XX/XX/XXXX I took a friend ( a XXXX Member ) to XXXX XXXX Hospital ( " XXXX '' ) for medical attention. I had previously injured my XXXX  foot and was in pain, so I asked a member of XXXX 's Medical Staff to check to see if I had a XXXX XXXX. As it turned out, I did. I provided evidence of my Medical Insurance Coverage and XXXX was generous enough to waive a {$5.00} fee. Subsequently, my insurance company was billed by XXXX in two ( 2 ) separate claims for their service. The first Claim # XXXX was paid XX/XX/XXXX for {$41.00} ; second Claim # XXXX was paid the same date ( XX/XX/XXXX ) for {$120.00}. According to conversation with my insurance company following receipt of the collection notice, XXXX was paid a total of {$150.00} for both Claims : with one Check # XXXX. The check was cashed by XXXX on XX/XX/XXXX. I have been involved in the emergency care of a senior Family friend and have not had time nor opportunity to continue, back and forth, with XXXX after they have already been paid. XXXX has smeared my credit further and now seeks unjust enrichment at my expense. I, too, am a Senior Citizen and feel that I have been subjected to Elder Abuse due to XXXX 's inability to properly maintain their records. I am of the opinion that countless others have been subjected to the same, if not worse. I am a member of the XXXX XXXX and I realize that sometimes the dollar signs interfere with reality to such a large extent many people suffer without knowledge of being taken advantage of. Or, better yet, too worn and unnecessarily taken advantage of on a continuous basis they 've lost energy to fight. I want the record cleared based on payment received by XXXX ; a letter sent to each of the three ( 3 ) credit bureaus to clear the erroneous report. Finally, XXXX 's medical billing practices should be analyzed to ascertain how many true victims there are who 've suffered the casualties of poor medical billings! All facts were provided from the records of my insurance company ; XXXX has copies ( or should have ) of the checks received. Thank you
I challenged a collections account on my XXXX credit report from a company called Wakefield and Associates Inc. The account was removed from my credit report and two weeks later, Wakefield and Associates Inc, illegally reported 2 NEW collection accounts that do not belong to me, to my XXXX and XXXX credit reports out of retaliation for having them removed from my credit reports. My credit report indicates that Wakefield and Associates Inc, reported the supposed debt was opened on XXXX XXXX XXXX. I havent been to the emergency room in over 2 years and Wakefield and Associates Inc are lying to XXXX and XXXX. Ive asked them to provide proof of ownership by showing a copy of my drivers license and social and they decline because they do not posses any of it. If they do not remove the the fraudulent accounts, i will be forced to sue them and have the accounts removed. I have already forwarded a copy of my credit report to an attorney to look at. Wakefield and Associates Inc is breaking the law.
I have two separate mortgages with US Bank on two separate homes. Both loans have the same problem. I am able to pay my monthly mortgage payment online through the US Bank website but I feel I 'm being charged an unfair or unnecessary online payment fee of {$5.00}. The payments are due on the XXXX of every month, but if I make the payment on the XXXX or XXXX they charge me an additional {$5.00} online processing fee. Both loans have until the XXXX of the month as a payment grace period. I called US Bank and asked them why I was being charged the {$5.00} fee and they explained that the fee was because I had n't made the payment on the XXXX of the month. I explained that I was still within the 15 day grace period and did n't want to pay the fee. They informed me that I would n't be charged the {$5.00} fee if I mailed in my payment?? So if I mail in the monthly payment by the XXXX of the month or if I pay online by the XXXX of the month then there is no fee. But if I pay online on the XXXX or later, then I have to pay the fee. I read through my " Truth In Lending '' disclosures from when I got each loan and I do not see this fee disclosed anywhere. Why am I being charged a {$5.00} junk fee for paying online during the payment grace period?? Thank you for your help!
On XX/XX/2016., TransUnion responded to the consumer via the CFPB website. The credit reporting company promised to send copy of my credit report to the provided address within seven to ten business days. I did not receive the promised copy. Instead, I received a suspicious credit alert from another credit reporting company [ Expected ] or unexpected which is dated XX/XX/2016. I would not waste time submitting complaint against the latter because I sent copy by fax to the cfpb and the deleted information [ safety and security purpose ] is done accordingly., where ever applicable.
Nationstar Mortgage refuses to send me a monthly billing statement or any other notification my payment is due. How can I make my mortgage payment if the mortgage servicing company refuses to provide a service.
a request for a letter explaining what you have done to Inform business where the account was opened, that the debt is the result of identity theft ; Stop collection proceedings against me ; Stop reporting information about the debt to credit reporting companies ; and to provide me with the records was made to the above named Corporate Entity on the date of XXXX XXXX, XXXX XXXX Exhibit A - XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX and the Corporate Entity and Fiduciary failed to produce based on " failure of consideration '', " fraud '' or " mistake '' : In failing to provide such XXXX XXXX XXXX XXXX Harris & Harris, LtdXXXX and all agents have shown bad faith and default in their lawful duty of record to legally verify THE ALLEGED DEBT.
In early XX/XX/XXXXI applied for a mortgage refinance as required by my divorce decree through " XXXX XXXX '' since they had brokered the current mortgage with The Money Source.  The process made it through collateral approval. I was then suddenly denied with no explanation. On or about XX/XX/2018 I applied for a mortgage modification, and was ultimately granted a SPECIAL forbearance. During the time of my special forbearance they canceled my forbearance because my ex wife didn't sign a document that I was promised she didn't have to sign in the first place. I was originally told I was the only who had to sign and was sent the according documents with a signature line for my ex wife. I was told only I needed to sign return the forbearance with her signature line, I insisted they send me the Special Forbearance agreement without her name and they suddenly terminated the special forbearance and sent the mortgage to foreclosure. I complied with everything up to the point they sent it to foreclosure. I contacted the trustee and paid to reinstate the mortgage. I contacted The Money Source and made arrangements to pay the back taxes and start paying regular payments again starting in XX/XX/XXXX, I sent the back taxes via XXXX and began making payments as agreed, then they returned the cashiers check I sent for the taxes as instructed with no explanation. Next I received a notice my XX/XX/XXXX payment mailed with plenty of time was not accepted and offering me " borrower assistance '' It turned out they were still trying to make me pay taxes and insurance in my payment and had held crediting my XX/XX/XXXX payment without notifying me. I called and again got this " no impound account situation '' corrected and was told by XXXX to make my original payment. But now it appears The Money Source held my XX/XX/XXXX payment and posted it XX/XX/2018 compromising me again-this payment was a cashiers check drafted XX/XX/2018 and sent with the first week of XX/XX/2018 USPS. Additionally, early during the many mortgage modification/special forbearance phone calls with The Money Source, I was told I would be granted a SPECIAL refinance to solve this issue, after I was promised this refinance they shortly after denied me for unknown reasons. After that had happened " The Money Source '' then told me just send in your divorce decree and we will take your wife off and restore her credit. I provided the documents and this was also reneged upon. This is still an on going issue and is a true burden on me.
We have been Opted Out of overdraft protection with PNC Bank for a very long time. Even though we are opted out, we have been charged many fees. We have called PNC about this issue, but are told their policy is to only offer 1 " courtesy '' refund every year. We repeated to the representative and manager that we should have never been charged these fees because we are OPTED OUT, but they were firm that they are following PNC 's policies and they can not refund us for the charges we incurred. They also said that we can not " opt out '' of overdraft for recurring charges, even though we do not want ANY overdraft protection. We want the transactions to be declined or the checks to bounce. In XX/XX/XXXX &  XX/XX/XXXX alone, we were charged the following : XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00}
XX/XX/2018 -- Received a call from ( XXXX ) XXXX with a threatening voicemail. " Hi ***** this is XXXX with XXXX XXXX. I am calling because a claim has been filed against your name and social security number. Please be advised, you have been scheduled to receive a final demand letter to be delivered to your location or place of employment and we wanted to talk with you before you sign that certified document. I highly advise you contact my department at XXXX ''
On  XXXX   XXXX ,  XXXX , I calle d Card Member S ervices, to request an extension  of 6-12 months  at the rate of 0 % originally set for this card. Sharing the fact I am  XXXX , and am still impacted by the 10.7 % unemployment rate, and am working with our  XXXX   XXXX   XXXX  agency to remedy the situation, as yet unsuccessfully. I have already attempted to remedy the situation before it happened through meeting with the  XXXX   XXXX   XXXX   XXXX  agency, who applauded me for my tight budget, and told me their h elp may co st me more than help me. I feel stuck between a rock and hard place, unless an extension is allowed by the creditor. Here is a copy of the message recapping the calls which I have also posted in a message on my account at the  Card Holder  services. Their response was NO HARDSHIP ASSISTANCE WAS AVAILABLE TO ME.   COPIED MESSAGE "  XXXX   XXXX ,  XXXX  DiscoverCard undisclosed interest rate for current period being incurred.     After speaking with  XXXX ,  XXXX ,  XXXX  and finally  XXXX , explaining the impact of the current unemployment figures on the  XXXX  employable people seeking work at 10.7 % over the protracted period including both  XXXX   XXXX  and  XXXX   XXXX , I, as a  XXXX  individual, am still faced with lack of earning to support an increase in interest on my account from 0 % to 23.24 % or market based value as stated by  XXXX  and other staff, but not printed on my account anywhere of 23.74 % on my next bill. Nor have I been able to 'discover ' the disclosure, I requested from each department. I requested a disclosure in print of the new amount currently being incurred, at the rate verbally disclosed to me today of 23.74 % to no avail as I reported to  XXXX  and  XXXX  at  DiscoverCard vi a phone today, and no help with other hardship assistance. I reported to yo ur Card Member  Services representative/s who  XXXX  assures me could not help with any hardship assistance to extend the 0 % for any length of time. I asked 6 months longer if possible, and explained to  XXXX  how he  may fe el when making a credit purchase, for which the interest climbed excessively during a  XXXX  period and a statement arrived with the addition cost included in his outstanding balance. It is obvious these people do not understand the impact of going from 0 % to 23.24 % or in this case 23.74 % without the means to pay, yet it is almost guaranteed at some point they will 'discover ' how this works. Perhaps they will find a hardship assistance method in the meantime.   A copy of this message will be shared with the FTC.gov, the ConsumerFinance.gov, the ADA.gov. '' Please review with the mind of a person protecting  XXXX  rights as well as a debtor making efforts to meeting untenable terms.   Thank you. See most recent statement wit h credit score  attached.
On XX/XX/18 I was informed by XXXX XXXX that Bonneville Collections had increased the amount owed on a debt. This is not the first time. My original debt was XXXX and they have raised it to XXXX
In XX/XX/XXXX I applied the American Express Platinum card and was approved. After the card arrived, I realized that I had this product before, I would not be able to receive the XXXX MemberShip Rewards, so I cancelled this card without activating it. I did not spend any dollar amount towards this card. 
On XX/XX/XXXX, I received an email, stating that Amex removed my XXXX points due to the reason that I was not eligible to receive the welcome bonus of XXXX points. ( However, the fact is that I never received any points regarding the welcome bonus, and I am trying to use my points at that time. ) I called back and started an investigation, Amex told me I will receive a result by XX/XX/XXXX. I called back on XX/XX/XXXX, since they never called me for updates. Again, I was told to wait till XX/XX/XXXX for any results. I called them that morning, Rep. told me to call back after XXXX if I did not receive any results. I called back again after XXXX, and spoke to a supervisor, she said they removed my points was because I had this product before, so the welcome bonus is not eligible for me. Her assumption was that I already received the XXXX points, and she saw I had more than XXXX points under my account. BUT the truth is I never received any welcome bonus towards that product, in fact I never spend a penny on that account, just because I have XXXX points, it does n't mean it is the welcome bonus! The premise of the claw back is that I received the XXXX points. I told her I received XXXX points from XXXX product in XX/XX/XXXX, another XXXX from another product in XX/XX/XXXX. She said she ca n't pull the histories of those XXXX accounts, they will need 3 more days to investigate. 

I do not have another 3 more days, this has cause so much inconveniences for me to redeem my points, I, now have spend more time to wait, and more money to redeem my points!
I HAVE A XXXX XXXX  CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. XXXX XXXX  REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.
I have a Mortgage with Caliber Home Loans I had numerous unsuccessful attempts at a loan modification, I was turned down again and a NOD was filed on my house. 
I called the bank and want to do a repayment plan with a substantial downpayment and I asked for 12 months to repay the balance I called many times to set up a repayment plan. each time getting a different : '' point of contact specialist '' Most of them were very inexperienced and gave me wrong information. I called with my lawyer on a conference call and got yet another inexperienced " point of contact person '' She put down numbers and submitted them for approval for a 12 month repayment plan ... well, she did n't have her numbers correct and she did n't account for money that was in the account for unapplied payments. causing me to be approved for a huge unaffordable monthly payment of almost {$10000.00}. When I called in to have this corrected, the first person I got was a trainee who did n't know what to do and then I got her trainer who too had wromg info and numbers.. Also, each person I talk to adds more fees on to the total. 
The bank is trying to charge me for late fees that were included in the total due. This means that I will be paying late fees twice for each month or double late fees. 
Also, I was OVERCHARGED from my XX/XX/XXXX statement to XX/XX/XXXX statement. by {$3000.00}
An account is listed on my Equifax Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Equifax has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX  . I have contact Equifax multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  XXXX   XXXX   XXXX  that this case was Settled on   XXXX   XXXX   XXXX  . A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on my credit report.
I have a vehicle loan with Santander Consumer. I 've been trying to pay this off by paying towards my principal. My XXXX/XXXX/2015 statement said the balance was {$8800.00} with a principal of {$8700.00}. On XXXX/XXXX/15 I made a monthly payment of {$470.00}. I called the company around XXXX/XXXX/15 to make it known that I would like to send in payments towards my principal. I explained this was n't possible online through the company 's website. I was advised that I had to make a payment XXXX then call in to make them aware the payment was to go to the principal only. On XXXX/XXXX/2015 I made a {$1000.00} payment towards my principal and called in as I was advised to do. The company applied so much towards the payment and the rest towards the interest. I kept calling in to have this corrected. The company kept saying it was being taken care of. My XXXX/XXXX/15 statement came and stated the balance was {$7500.00} and a principal of {$7400.00}. So on XXXX/XXXX/15 I made another payment of {$1000.00}. Same thing happened after calling in and making them aware the payment was for the principal only. Since then I paid my XXXX/XXXX/15 regular payment of {$500.00}, ( but the regular amount is {$470.00} ) on XXXX/XXXX/15. I called in on XXXX/XXXX/15 to do another principal only payment of XXXX. I called back to ask what was the balance before the principal and got a price of {$6000.00}. I asked how after I have made principal only payments and XXXX monthly payments. I believe my balance after the XXXX/XXXX/15 principal balance and the payments I have been making that this is TRULY and error. I keep getting the run around about this so I asking Consumer financial to follow through with this so I may be treated fairly and pay what I owe and not be cheated. I was informed that I ca n't get a number to the accounts department because the company only communicate via email.
I am a victim of having my personal information leaked in the Equifax leak announced in XXXX 2017, as verified personally on their website, https : //www.equifaxsecurity2017.com. Information leaked, according to the company, includes my Name, SSN, Address, birth date, and credit card  numbers. A leak of this scope and nature puts me at critical risk of identity theft and potential ruination of my entire personal, financial and credit status.
In mid XXXX I submitted a dispute to Experian due to fraudulent information appearing on my report. Experian removed the fraudulent information but they also removed information that is correct and I was not disputing. On XX/XX/2019 I received notice that an account with XXXX/XXXX XXXX was removed. This is an account on which I am an authorized user. It is a legitimate account. It should not have been removed.
XXXX XXXX XXXX was hired by XXXX to collect a debt. This debt was not mine and as such XXXX paid the bill and eliminated any collections on this matter. This was done after the Attorney General of California was engaged and made aware that the debt was not correct. I have since received a letter from XXXX legal council that was sent to the state of California Attorney General. The whole debt was forgiven. 

Allough XXXX XXXX XXXX is reporting new problems as of XX/XX/2018. This should be removed as they are falsely marking my credit reports and hurting my score. This has been a long battle with a lot of errors and problems. 

Can you please assist? 

Thanks, XXXX XXXX
Equifax says my credit file is blank. On XXXX XXXX they fixed the problem while i was on the phone. 2 days later on XXXX my credit file is blank once again. XXXX and XXXX is fine. I also signed up for their trusted premier service. This has been going on since XXXX XXXX i have 5 new credit inquirys that say credit report not found.