WillisBack/dataset-financial-user-claim huggingface dataset:
Purchased home XXXX 2013 using XXXX, Coldwell Banker Mortgage and Coldwell Banker Title Co. One year later find out that they did my tax escrow at {$2400.00} when in fact my property tax are {$5500.00} per yr. I was told that for the next year my payment would go up {$400.00} per month and that for the next 28 years my payment would go up {$200.00} per month, a {$66000.00} mistake made by Coldwell Banker that I suffer for. I contacted Coldwell Banker to try to refi at the present interest rate which would of made my mortgage payment using the correct tax amount, with in {$20.00} of my true payment. They would not refi but told me to contact there mortgage modification. The modification dept. said they could not talk to me until I was 90days pass due. I stopped making payments and then contacted them again with no results. They would not redo my loan but could work my pass payments into a repayment plan along with my new tax problem. My payment then for the next 9 months would go up {$1000.00} per month. This company has destroyed my life, I now have bad credit, losing my home and for the XXXX time in my life have to file for bankruptcy. I am a XXXX XXXX XXXX Veteran and over the last year had problems and am at XXXX. The pressure of this problem with the mortgage company and all the problems it has caused in my life has not been good for my mental health. They have destroyed my life that I was at last putting together and moving forward.
XXXX # XXXX XXXXI have a a unverified account from KEYBRIDGE MEDICAL REVENU. I had previously disputed this account. I have never done business withXXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY XXXX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX FEDERAL COURT XXXX XXXX )
On the day of XX/XX/2018 I noticed that my account had been hacked or something it was over drawn {$840.00} Im sitting in my living room with my son and my boyfriend watching tv I looked in my wallet to see if I lost my card no its in my possession ( still is ). So I called Bbva Compass Bank started the process and they told me the account was then blocked but at XXXX XXXX XXXXt it went from XXXX to XXXX another charge on my card had been used again Im still home. The next day XXXX XXXX was supposed to be a happy day for me and my family Im stressing out because with the fees and all my account went from XXXX $ to XXXX I kept calling every single day I have my dispute number ( XXXX ) I specifically told them about nine gas stations and the man at this time said he updated it so that the investigators would see my update on. Again like all banks they say you will see a credit in 10 business days and today is the tenth day I was promised a credit my account is not even handled I didnt receive anything no emails no letters no nothing I have to pay rent daycare etc Ive been putting things off due to this inconvenience to me and my family Ive loss sleep cant eat because of this termoil that this bank has caused me. I just want what is rightfully owed to me so that me and my family can move forward. I will not be banking with them anymore due to this and due to them not be truthful with me from jump Im only XXXX with a XXXX year old boy Im raising him by myself I pay rent by myself I pay for everything on my own I thank XXXX for my boyfriend mom and dad for helping me but this has to end now.
I 've applied for a checking account wi th Discover four times now, and each time I was denied. Discover is refusing to tell me why, and refers me to   XXXX   XXXX  .   XXXX   XXXX   has no information to provide me, and refers me back to Discover.
I have a home equity line of credit with Capital One bank. The date the draw period ended was XXXX XXXX 2015. If I wanted to make any changes I had to do so before that date. I called on XXXX XXXX, requesting a fixed rate option. I was transferred to XXXX different people, including refinancing. I did not want to refinance. I wanted a fixed rate option and was told I would be sent paperwork. Nothing came. I called again on XXXX XXXX requesting a fixed rate option. I was told a percentage rate could not be told to me over the phone and that a proposal would go out to me in the mail.I specifically asked the agent that even though the proposal would arrive AFTER my deadline of XXXX XXXX, would I still be eligible since I made the request before the deadline. She said Yes. I received a letter dated XXXX XXXX saying I do not qualify for a fixed option because my draw period has already ended. I called Capital One to tell them I did in fact request a fixed rate option before the deadline. The agent told me that there was some kind of time frame that I had to request before the deadline. This is not the case..I have a letter stating I can make a change up until XXXX on XXXX XXXX. I asked her where in the " Terms and Conditions '' this is listed. She transferred me to someone else who says again I am not eligible. The calls are recorded. I asked that the call be pulled and listened to because I was told I was eligible. Now they are denying that is the case.
In   XXXX   I applied for student loans through  XXXX   XXXX  which is now Navient. I am now in debt for about  XXXX . At  XXXX  in   XXXX   I did not establish credit so my parents consigned my loan for me. My parents have always had  XXXX   credit score  but Navient/  XXXX   XXXX   still gave us a very high interest rate of 24 %. It was n't until recently when I lost my job and was able to lower my interest rate. Every time I 've called in the past their only option for me is to refinance the loan or use another loan company to pay off the loan and start paying them. I 've been researching online about the lawsuit out against the private loan company. I feel like I was wrongly represented by Navient and was given a high interest rate off the bat even though my parents had excellent credit. I have been struggling to pay off such a large around and it has affected my credit. If there 's anything that can be done for me to get this loan forgiven I would truly appreciate anything that can help
I spoke with a company called XXXX and explained that I could n't afford to make a payment on my Capitol one account that day but I would call back on XXXX/XXXX/16 and set up payment arrangements on the account. I am not sure of the date that I spoke to them about the payments but I believe it was around XXXX/XXXX/2016. 
Today I recieved a phone call from a relative that I have n't spoken to for two years saying she spoke to someone from the same company who told her that I was in default on my Capitol one credit card. They gave her my balance, told her that they spoke with me about my account and that I told them I would call back to make payment arrangements and never called them back. They gave her a date that they spoke with me and everything!! Now that relative has told my whole family that I can not pay my bills and is dragging my name through the mud. I called XXXX agency and spoke with a manager named XXXX and he told me he would look into listening to the call and apologized for what happened. After speaking to him I decided to call back and make a request to hear the call, and XXXX stated that he did n't believe there was a way to do that. I have contacted my lawyer because I believe my FDCPA rights have been violated.
never notified of the debt, straight to my credit now my credit has gone down and collection debt stays in my credit for 7 years?? thank you
XX/XX/XXXX, I received a Mail Correspondence to consolidate my credit card debt into one loan- From Bank Of America- I called and agreed to the XXXX Line of Credit for a term of 96 months. I called in XX/XX/XXXX to discuss with Bank of America as to why I was continuing to be billed after my Pay Off date- I was told that I did not understand how interest accumulates and that I still owed over 10,000. I said how is that possibly- If I purchased a car over 60 months at the end of the 60 months I would own the car- after 3-4 calls being on hold being transferred to numerous departments, I asked for all of payments to be sent to my address with my original agreement. I was told that my account has been closed and Bank of America can only retrieve records back 7 years- so let me get this straight you have no record of a commitment to our agreement- you have closed my account. Very Good- yet they continued to bill me and additional XXXX has been paid to them- XXXX loan - Bank Of America HAS RECEIVED OVER 84,000 FROM ME XXXX OVER MY 96 MONTH AGREEMENT. After I told them I was filing a complaint I received a phone call and they stated that we resolved this issue last year XXXX XXXX- I said this issue was never resolved I just kept paying you- The agnet said Sir the rates changed in XX/XX/XXXX we sent that information to you in your bill - I said WHAT ARE YOU TALKING ABOUT- How can the rates change - and why was the term extended- no response.
My lender both had an agent impersonate a law enforcement official, and indicate i was going to be charged with a crime. A BHFC Financial representitive posed as a XXXX PD detective who then called me, my parents, and friends, explaining how I was wanted for a crime, and that I would be arrested for not paying my car payment. When asked for information on the crime, a badge number, or any official information, the agent folded and hung up on my family. I have messages recorded verifying the false representation of law enforcement, and also about saying I was going to be arrested.
I had an LLC Capital One credit card ( I was the primary signor ) that was improperly used by my partners wife to pay a her personal insurance policy premium. On numerous occasions, I explained this to Capital One, and they finally placed ALL correspondence to XXXX XXXX ( my LLC partner ), making him the responsible party for collection. 

My credit report continues to show this debt, therefore destroying my credit. Every time my credit report is reviewed, I have to go through the long process of explanation. I just need this removed. Please
On or about XX/XX/XXXX Wells Fargo made a loan with my wife and I in the amount of {$680000.00} - the loan was a predatory loan as well as a non-principal interest only loan. After several request and with legal assistance - I was able to get a loan modification. However I receive a Step - Rate Loan Modification. This type of loan is designed for the borrower to fail. Because the interest rate continues to adjust and the principal never reduces allowing the borrower to create equity in the home. The step rate mortgage is primarily targeted toward XXXX XXXX  Borrowers. I eventually sued Wells Fargo Home Mortgage for violation of the Homeowners Bill of Rights on or around XX/XX/XXXX. And we settled. 

The settlement agreement included the reentry of the loan modification process and review. I had until XX/XX/XXXX to get all requested documents into Wells Fargo. All documents for review was submitted and received on XX/XX/XXXX. On XX/XX/XXXX - a Trustee Sales Date was posted on my home and primary residence. The Notice of Trustee Sale was delivered to my Neighbor. And I believe this was done deliberately to embarrass me and my family. Also I did not receive a Certified Copy that requires a Signature to receive the Notice of Trustee Sale. This is a violation of the Home Owners Bill of Rights. Wells Fargo Violated the Stipulated Agreement made from the lawsuit Settlement - to allow me to seek mortgage assistance by submitting a RMA Package and my financials to be review for mortgage assistance. Instead they decided to move forward with the process to foreclosure on my primary residence - by egregious over zealously attempting to embarrass me and my family.

Wells Fargo is a Predatory Lending and Banking Institution. And their predatory lending practices hurt XXXX XXXX the most. Why? Because - XXXX XXXX are targeted the most toward Predatory Lending and Red Lining. 

I am a XXXX XXXX  Service Connected XXXX Veteran - Branch of Service ( XXXX ). And I did not ask nor did I deserve to receive a loan that is designed for the borrower to fail. Wells Fargo Step Rate Mortgage Loan Modification is a Predatory Loan. And, Wells Fargo Home Mortgage - XXXX XXXX - Customers receive Predatory Loans the most.
Got a call from a XXXX XXXX who said she is a case manager for Portfolio Recovery Associates LLC and has a business matter to discuss. She stated that I owe a balance of XXXX for a unpaid XXXX XXXX bill. She stated that I needed to pay the balance in full and that I have 24 hours to pay or legal actions would be taken against me. I explained to her that I do n't have XXXX dollars and what could she work out with me. She said I ca n't work out anything with you unless you have the full payment. And she said well guess we 'll see you in court and we 'll get our money as we will file a motion to garnish your wages. And then she hung up.
My family includes an XXXX individual, and we get paid for taking care of them by the State of Washington. Earlier this year, they switched the way they handled payments from once a month to twice a month, and in addition to this, we had some issues with the caseworker responsible for the XXXX individual, because of this, we got behind in our mortgage with Select Portfolio Servicing, and they refused to take anything but the full payments that were late. They denied the loan modification, but in the meantime we discovered a way to provide proof of more income we receive per month, so we appealed it. We submitted the appeal paperwork in XXXX, and they confirmed they had received it. In XXXX, we received a notice of default taped to the front door, and we learned that they had scheduled the foreclosure auction for XXXX of 2018. Since then, we 've been getting pressured by realtors arriving at the house and talking us into a short-sale, which we 're proceeding with, because we do n't feel we have many options. In some cursory searches on the internet, I believe this is what 's called " dual-tracking '', which was restricted by Dodd-Frank. Is my assessment of the situation correct? 

I can provide documents if necessary, but they 're not within easy reach as I 'm typing up this complaint.
XXXX has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal 3 and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s. I also requested a copy of XXXX Tax Registration Certificate, all of which XXXX was unable to provide as stated in their response letter ( see attached letter ). By law under basal 3 and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s XXXX failed to validate their claim. A copy of XXXX 's response to my debt verification was previously mailed to XXXX, equifax, and XXXX, however, your agency continues to allow XXXX to remain on my credit report negatively affecting my credit. XXXX is illegally reporting negative on my credit.
In XX/XX/XXXX, I applied for a loan through XXXX, my score showed XXXX and I called Equifax I was told it was the car company 's fault. In XX/XX/XXXX, I applied for a personal loan, and was told again that the issue was with the loan company. In XX/XX/XXXX, I am trying to purchase a home. Last month, in the beginning of XXXX, I called Equifax again to report that the mortgage companies could not pull up my information. I was told it was the mortgage companies ' fault. I explained that I had asked for help from four different mortgage companies. I asked to speak to a supervisor. I was told that the wrong name and address were on my credit report. I was told that I needed to get my SScard and Drivers license and send them over. I had to order a copy of my ss card, so I could not send the information just then. I called XX/XX/XXXX, after I was able to get the card. I was going to send the information over, but I was told that I just needed to change my middle initial. I received a letter a couple of days ago stating the issue was resolved. I asked the mortgage company to pull the information, it did n't work. I called for help from Equifax. I was told I needed to fax the information ( ss card and drivers license ) to XXXX. Today, I called to confirm that the information was received and I was told that I need to fax the information to XXXX. I have been hold for a bout nearly an hour now, waiting on a supervisor or someone that can help me. I just want to buy a home. Can someone help me?
I submitted an official appraisal done on my home to prove our Loan to Value is good enough now to have the PMI removed from our payment. The company refused my appraisal, told me I had to pay for one of their appraisals done. Sent me a letter stating I had to send them an official check in the amount of {$420.00}, which I did. Once they received the check, they mailed me another letter stating that now I owe {$200.00} more dollars to get their appraisal done. I have followed all of their instructions on how to get this done and they keep dragging it on and changing what I have to do. Why did they not send me a check list of exact steps from the beginning. They told me I have a 90 day window to complete this but they take 3-4 in between responses and wasting my 90 days when I comply with their demands right away. I started this process in XXXX and I am running out of time. They are not making this process simple or helping me to get this done. I have done my part and they will not do theirs. I have never been late on a payment in 2.5 yrs, ever!
m disturbed that TranUnion and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/2018 and reapplied/put back on to my credit file today XX/XX/2018. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.
During a review of my annual credit report in   XXXX   XXXX   I found an account for  XXXX   XXXX . I do not have, nor have I ever had a satellite service and I have never done business with  XXXX   XXXX . I contacted the credit reporting company to file a dispute but they report their investigation is complete and the account is valid. In   XXXX   XXXX   I contacted  XXXX   XXXX  directly and asked for proof of the validity of my account ; however, they refused to speak to me stating that the account has gone to collections and I must contact the collections company. In  XXXX  of  XXXX  I contacted a company called   XXXX   XXXX   XXXX   and requested proof of my debt but all they provided me with is a cover letter stating " the debt is valid, attached is verification of the debt '' and a past date bill from   XXXX   XXXX   XXXX   for an account with my name but at an address I have never lived at, nor been associated with. They are incapable of providing proof that this debt is mine but they are unwilling to remove it from my credit report.
I have been sent 6 requests for payment of what appears to be a time share. The statements are addressed to XXXX XXXX as owner and me as co owner. I do not know a XXXX XXXX and am not the owner or co owner of a property in XXXX XXXX of XXXX MA. I have received statemnts for past due amounts from XXXX and Contintal Central Credit of MA , Inc.
Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 

Company Name & Inquiry date 1. XXXX XXXX date N/A 2. XXXX date N/A 3. XXXX XXXX date N/A Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

Sincerely XXXX XXXX
XXXX XXXX  attempted to reach out to me about a debt that was owed to XXXX XXXX department. However, to my knowledge I had no outstanding debts the creditor. 
When I called XXXX 's to see why I was being charged for excessive amount of late fees XXXX XXXX   stated that the debt is now owed to XXXX XXXX and that I will have to contact them regarding this debt. I was never properly served with the adequate amount of paperwork. When I reported to XXXX XXXX that my credit card was lost and needed a replacement. I have not received my credit card replacement till this day. I went monthly to transact payment and check on my account incase my credit was being used fraudulently.