WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a deed in lieu of foreclosure with Ditech in XXXX XXXX, it was finally approved in XXXX XXXX, I had to resubmit all paper work because they told me that the application that was submitted in XXXX was out of date. I complied with their request. They approved the Deed in lieu in XXXX XXXX, after outright lying to me, telling me I had a lien on the property, when there was no lien. I went to the XXXX court and checked the land records for XXXX county, there was no lien on the property. However, the kept telling me that the lien was holding up the deed in lieu. Finally, in XXXX XXXX, I was sent paper work to sign agreeing the the deed in lieu. I have complied with every requirement contained in that letter ( see attached ), so it was no reason for Ditech not to fully executed the deed in lieu as promised I completed all the paperwork and sent back to Ditech by certified mail. I have heard nothing from them since submission of my paperwork. I can not contact them, they will not return my calls, nor respond to my request for a status on the deed in lieu. Then in XXXX XXXX, I received a Notice of Intent to Foreclosure and no one can tell me what happened to my approved application for a deed in lieu.
I learned that I have been the victim of credit fraud this morning, XX/XX/2017. I have contacted my financial institution and the local police department. I then contacted the credit bureaus to report the fraud and get a security freeze. XXXX and XXXX went will. 

But I have been trying to find a way to get the security alert on Trans Union. The information I found leads me to their website at https : //freeze.transunion.com. As I go through the steps, I see there is no charge for security freeze to victim, but this website is trying to charge a {$10.00}. There is not options or links to get the freeze service for fraud.
In or about XXXX, my husband purchased a used car from a used car dealership. I co-signed with him for the loan. We separated in XXXX. Evidently in XXXX he stopped making payments. He died in XXXX. The finance company sued me but I was never served with process and did not know about the suit until XXXX XXXX when my salary was garnished. According to court records the total garnishment should be about {$4400.00} ( including interest ). The attorneys (? ) for the debt are still taking money from my salary and say that I owe them another {$1300.00}.
XXXX XXXX XXXX XXXX Bank sent me a XXXX C debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to XXXX, XXXX, and Experian as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.
A collection agency called Admin Recovery has been calling my workplace. I 'm usually too busy to take personal phone calls while I 'm working so a coworker will take a message for me. This evening, a representative who called himself " XXXX '' called after I had already left and told my coworker that if I did n't call him back that he was going to call my company 's corporate office to complain and he hung up on her. I do n't appreciate my job being threatened over something like this. The behavior being exhibited by this company is, in my opinion, highly unethical. I moved last XXXX and none of my mail got forwarded. It took a while to get it settled and put me really far behind on some of my bills. I 'm catching up as fast as I can but I 'm a single mother working XXXX hours a week in a XXXX and it 's hard. I ca n't believe that man would threaten to call corporate on me like that!
I have been trying to put my private loan into in-school deferment. I called several times since the beginning of my school semester, which started in XXXX XXXX. I spoke to several representatives and supervisors and each time I get a different excuse as to why my loan will not be put into in-school deferment. I have sent every document they have requested from me. including documents felled out and sent by college representatives. I was told this is an easy process and each time I call in to find out what is going on they seem to put the blame on the former representatives that I have already spoken to. They keep telling me that the documentation that is requested is incorrect and I have to do something else. I have been trying to avoid this being reported to the credit bureau because this is out of my control. 
I do attend college half-time. I am a student with XXXX University and a transient student with University XXXX XXXX XXXX XXXX. I am taking XXXX credit hours this fall XXXX semester and both colleges have reported to clearing house. The problem is that I am less than half time according to clearing house because my attendance is in XXXX different colleges. Navient is aware of this and has told me not to worry this is an easy fix with a statement from one of my colleges. Well I have done everything I could and provided numerous documents and they still refuse to put my loan into in-school deferment. I am registered for the spring XXXX semester as a full-time student and in XXXX there should not be an issue, but until then I need my loan with them to go into in-school deferment.
I closed on my condo XX/XX/XXXX... I applied for and received a 30 year fixed rate mortgage of {$130000.00} with 4.5 % interest ... Taxes and insurance were NOT to be escrowed as I'd made this clear and have email regarding my closing as confirmation of this. XXXX XXXX was my first mortgage holder, .. it was later transferred to Dovenmuehle Mortgage. My mortgage payments were to be a fixed rate of {$660.00} monthly ... which I'd been paying on time for just over one year. I've payed my insurance and property taxes directly and always on time. 
On Friday XX/XX/XXXX I received notice that my payments were going up to {$770.00}, related to an escrow account ( which I was not supposed to have ). I contacted a representative of Dovenmuehle Mortgage, XXXX ( XXXX ), to discuss this. She informed me that the company sent in money for taxes of XXXX.. and later they were refunded XXXX.. ( the same amount I'd previously paid ). She said they were still owed {$670.00}. I contacted the XXXX county tax  office and spoke with XXXX XXXX, tax supervisor. She informed me that I was the contact on record, and that no bill went out to Dovenmuehle. They received my quarterly payment first and on time ... but later received a check from the mortgage company and so they refunded them my payment and placed the remainder towards the next installment in XX/XX/XXXX. On my instructions, she did issue a check back to Dovenmuehle Mortgage for the remaining {$670.00}. I'm submitting an email with her testimony that I have been paying all tax installments on time, .. that the mortgage company never requested a tax bill, and that they were being refunded the remainder of the payment ( {$670.00} ) they made. 
I did make another call to XXXX XXXX  XXXX, and spoke with a XXXX ( XXXX ), however, the issue could not be resolved to my satisfaction. She did not have the authority to resolve this, nor was she able to connect me with someone higher up with the authority to correct this, as I had requested. She did say the company uses another agency to look into matters of taxes. 
I do not fully understand why any mistake was made regarding an escrow account in the first place. I do not know if there were errors between the different mortgage companies in relation to transfer of the mortgage. I do not know why the mortgage company took it upon themselves to look for and pay the property taxes without notifying me. I do believe I've done everything within reason to make it clear that I'd be paying the taxes and insurance myself ... and that there is not to be changes in the monthly rate of the mortgage due to an escrow account. I would like to have the situation remedied with my monthly payment of {$660.00} reinstated. Also, I do not want any sort of penalties related to late payments or anything else related to this incident to effect me.
Citibank Visa credit card and I assume most credit cards charge late fees and what is already an obscenely high interest rate. It 's unconscionable that both are permitted by law. If a credit issuer is permitted to stuff fees into terms and conditions, at which point does " standard '' terms become worse that loan sharks? These so called regulated industries are no better - 16 % plus in interest charges. How is it a credit card is able to charge a flat {$25.00} on late charges regardless of the balance owing? And each month add another {$25.00}? Plus able to charge interest on the outstanding balance? 

For a balance of {$110.00}, in two months I had {$3.00} in interest charges ( yes that 's about 16 % annualized, to an institution that pays currently 0 % ), and also {$62.00} in late fees, which amounts to 338 % annualized. How is it that credit cards are able to charge both late fees and interest? It 's either interest or late fees. And how is it that regardless of the balance the fees do n't change? Whether is {$110.00} or {$10000.00}? 

Clearly these are predatory fees and serve no purpose other than to gouge the lower income, lower balance consumers. I would like to launch a credit card service which charges low interest rates, maximum balance and no fees, how would I do that? Not easily because the regulatory frameworks protect large financial institutions from competition, and in this example are clearly not protecting consumers from predatory practices.
This debt is not mine and has previously been removed from my XXXX Credit report. This company " AFNI '' continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by AFNI to be mine, but XXXX companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting AFNI provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When they fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with XXXX on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If AFNI denies this I can down load proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and AFNI needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all XXXX of my credit files where it is listed XXXX.
My Mortgage company, Mr. Cooper, keeps adding junk fees to my account. Lately they have been labeling these fees as inspection fees. My mortgage is not behind, it has been paid timely and is usually a month or two ahead. I now have {$1100.00} in fees and no one at the mortgage company can explain to me, why these fees are being added to my account. I have written letters and sent emails, but I never get a response and the fees keep adding up.
Debt Collection company failed to validate to truth of the debt before acceptance this matter has been disputed the third party collection agency failed to honor the dispute
I have a home mortgage with Wells Fargo. 
I prepaid my state and local taxes for calendar yer XXXX in calendar year XXXX. 
I requested a refund from Wells Fargo for the taxes that I have already prepaid. 

I have not received a refund from my escrow account for the taxes that I have prepaid. 

Despite several requests, I have not received any response as to when I can expect such a refund.
I have repeatedly tried to have company verify debt. I have requested sign in sheet that is required to be seen at this medical provider. They can not produce any proof I was seen.
There is no balance with XXXX. When collector called they were threatening and would not stop calling to collect money I did not owe. No matter how many times I explained there was no balance.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Social Security number : XXXX Date of birth : { XX/XX/XXXX } Equifax XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax, Please provide evidence the following accounts belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

XXXX XXXX XXXX Accounts # XXXX # XXXX # XXXX # XXXX My report or confirmation number ( XXXX ). 


XXXX XXXX
I re-financed my loan last year. I was told my my loan rep, XXXX ( XXXX ) XXXX ( NMLS # XXXX ) at JP Morgan Chase that if I took any cash out for the re-fi I would be subject to a higher interest rate. So we did n't. He also told me the closing costs could be rolled into our loan so there would be no out of pocket for re-financing.
We agreed.
We are trying to get a HELOC ( Home Equity Line of Credit ) now, a year later, because our AC Units went out ... and maybe we want to upgrade our home using the equity.
Today, XXXX/XXXX/17, I am being told by Chase that the State of Texas does NOT allow Line Of Credits if you took cash from your equity when re-financing your home. I thought to myself, NO PROBLEM ... I never took cash out, so we 're good!
Low and behold ... The State of Texas considers your closing costs ( added to the loan ) as taking " cash out of your home equity ''!!!??? Chase NEVER told me this.
I called XXXX XXXX and asked him about this. His response simply was " I did n't know about that at the time, and they never taught us that until recently! '' So now ... he knows, but before.. he did n't.
Do n't get me wrong, ... XXXX was fine/great through the entire loan process, being a loan refi expert and all. But because HE was n't aware of this rule, I was n't made aware of this rule.
And now ... my wife and I are going to be forced to refinance our home at a higher interest rate, lose thousands of dollars with a higher interest rate and closing costs ... or go without AC for the rest of the summer. -Thanks for not being aware of letting us know XXXX !
My question is ... if XXXX XXXX does n't know this simple rule, by the State of Texas ... how can he be allowed to re-finance homes? How can you not let us know if this HUGE reprecusion!?? How?
If I knew about this rule, .. I would have GLADLY paid the closing costs out of pocket. JP Morgan Chase never made me aware of this state rule!
I am very upset, and worried my kids will not be cool enough in this Texas heat ... all because XXXX XXXX " did n't know '' at the time. ( But now he does. ) Unreal ...
My wife XXXX away in XXXX and had a credit card balance of {$12000.00}. Instead of being a XXXX, I chose to pay it off. I should have not paid it I guess, because it never showed up as paid, and lowered my credit score from XXXX to XXXX, with no way to ever be able to raise it. 
What they did was wrong, and it gets worse. Today, I have spent over two hours to find my credit report, and a way to contest it. Here is why. The online access to XXXX doesn ', t work unless You can upload documents, and I can, t because I only have a tablet .I c n't call XXXX because they have an automatic phone that does n't have the prompts to help people like me. So, rather then reward me for twelve years of payments, they XXXX me, lowered my credit score so I will never be able to raise it. I have XXXX items at the credit bureau, XXXX which I can prove are invalid with supporting documentation. Their behavior has led me to be turned down from them, and XXXX other business, which made my credit score go down. What are consumers supposed to do when banks are allowed to participate in this type of behavior? I had a mortgage ( XXXX ) with boa which was paid off in XXXX. I have court papers that prove I was n't in control. I have XXXX valid debt at the credit bureau which I will pay. The rest are not even valid, but XXXX has a network that wo n't allow you to talk to someone in person. So now i ca n't receive a credit report, or a disclosure form to validate their claim. I thought that it was illegal A consumer should 't have to spend hours on the phone to obtain this information. 
I would like boa to remove any reports on my credit report that should n't be there, and provide a credit report, and valid forms to remove documents. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX Turned down for a secured credit card. What 's up with that.
I attach all the documents. I was behind on my mortgage in XX/XX/XXXX due to cut on hours on my job. But I got back on my feet and did a settlement with Carrington Mortgage. They take the settlement I did a down of {$3500.00} and making payments to them until they sold the loan to XXXX XXXX XXXX  in XX/XX/XXXX. I continue making my payments for {$310.00} until XX/XX/XXXX, because they notify me that they sold back my loan to Carrington Mortgage. I try to make my first payment to Carrington and they not accepted because they told me that I was behind 14 months. XXXX XXXX XXXX provide the evidence that I make payments to them on time until XX/XX/XXXX. Also the amount that I pay to Carrington before they sold it to XXXX XXXX XXXX, my balance was only {$5900.00} but now Carrington refuse to take my payment since XXXX and reporting me late to credit bureaus. I send all the evidence to them and provide evidence of my payments and every time that I call them I have to have 6 transfers, nobody know, that I owed {$12000.00} plus the months behind. That is totally wrong I send all the documents and they told me since XXXX that is on investigation and still not taking my payment. I am very stress that they don't take my payment. They been so mind to me. Please help me to resolve this issue. Please!!
I used the XXXX money transfer app because it was advertised in my Wells Fargo app so I trusted to use it to transfer money over in exchange for tickets that I was trying to purchase on XX/XX/2018. However, I did not know there was no protection from scammers or any kind of fraudulent activity. When the person never meet with me to transfer the tickets I realized I had been scammed and reached out to XXXX and Wells Fargo, my bank. You can imagine my surprise when I found out there was nothing they would do. I filed a claim with Wells Fargo and once it was denied, even after the associate I talked to initially made it seem like there would be no problem getting refunded, I contacted them again. They said there was nothing they would do because they don't cover that and to contact XXXX. I told them I already had and that they wouldn't do anything to protect the user. Since Wells Fargo owns XXXX, I thought it was interesting that there was " nothing that they can do ''. As a member of the bank for years I believe I should be protected against scams and fraudulent activity that I was victim to in this situation.
I called Valley National Bank XXXX XXXX XXXX to make the 1st payment. I was told to call back Monday XXXX XXXX XXXX to get the payoff balance. I called back Monday XXXX XXXX XXXX. And they gave me the payoff amount of XXXX and told me it will be XXXX each day and the amount they gave me was XXXX less than stated. I refinanced the loan with the XXXX XXXX XXXX XXXX XXXX. The exact amount I gave the police and fire credit union included a ten day interest accrual. XXXX sent Valley national Bank the check. A week later XXXX states I owe them XXXX more. When I asked what is the extra amount for. The lady stated it could have been a clerical era and the person I spoke to on Monday gave me an incorrect amount. That is a lie, when I spoke to the XXXX XXXX XXXX She pulled up my account. She stated my first payment went thru. And she told me the payoff amount. XXXX is trying to get more money from me. I want them investigated. I want your to look at the statements, and review the conversations which they have. And the copy of the comments. The lady told me that interest rates can change. No way in XXXX can it change from a payoff amount, than days later accrue {$86.00}. I want someone to review everything on my account.
I had lasik at the XXXX institute. it is XXXX per eye UNLESS you opt for the lifetime assurance, I did that, the bill then was XXXX. I have no paper work and no one will provide me any either. REGARDLESS, they breached the contract a year later when they neglected to see me. I tried explaining this to XXXX XXXX that owned the debt but they sued, used hayt and hayt and their attorney that told me it did not matter that the debt wasnt valid, the judge would believe them, and i could claim head of household and they wouldnt collect due due that status but to be clear the judge would side in their favor anyway. I was scared and I signed the paper. Now XXXX attorneys are trying to garnish me for this debt I dont owe. XXXX ward at the lasik institute said I dont owe the debt and that I couldnt use the lifetime, she stated she would call XXXX. I also did a BBB complaint and in that they replied the debt had been sold, they know nothing about any payments and if i wanted I could come back anytime. this is totally contradicting the information that took me numerous calls and a solid week to collect -- I do not want to do this it has been since 2005 when I had this done. I would never trust them to do anything to my eyes. I believe the statement was false to make it seem on the BBB that they were accommodating. The main point is they breached the contract and I just want to be held accountable to the once and done pricing of XXXX a eye which i believe is fair to all parties and was paid the first year. After they failed to honor the contract, I defaulted after that because the company always made excuses to " return my calls '' " computers down '' and answering machine messages were my only contact options -- at that time they told me I had to see them for the lifetime yet they made NO attempts to allow me to see them.Someone needs to contact XXXX and tell them they purchased a fraudulent debt and are pursuing a single mom head of household supporting my son person. someone should then investigate the lasik vision institute for their shady practices. I should not own this debt!
Due to delays processing my refinancing, I overpaid by about ~ {$300.00}. I have contacted XXXX about this issue and have not gotten a response. I would like them to refund me the overpayment.
I sent letters, along with my identification, and a Federal Trade Commission XXXXdentity Theft Affidavit to the 3 major Equifax, XXXX, and XXXX  on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please remove the accounts asap XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX