WillisBack/dataset-financial-user-claim huggingface dataset:
We bought XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX in XXXX XXXX. In XXXX of XXXX we had a major flood. We were not in a flood zone.Had over XXXX ft. Of water in our home and had to get taken out by boat. Town said it was a once in a lifetime event. Due to having no flood insurance ( not required, not in flood zone ) we had to drain my retirement over {$30000.00}, took out home equity line, and got loan through FEMA for {$51000.00} for repairs. We were then required to get flood insurance to receive this loan. For the next 4 years there were no problems. So we now believed this was indeed a freak thing, and we decided to expand and improve our home thinking that this was going to be our long term residence. We added a master bedroom, updated kitchen, new deck which we began work on in XXXX, XXXX and was completed in XXXX XXXX. In XXXX of XXXX we got hit with another devasting flood and 2weeks later were again hit with major flooding. Due to this hard ship we tried to remodify our loan. We were put into a trial basis in which our monthly payment was lowered and which we continuosly payed ontime.we had sent in paperwork after paperwork which had been lost or was needed again after again for a different case worker. We decided we were going to sell our home through a short sale. We had origanaly purchased the home for {$420000.00} and put down {$100000.00}. But with the new loans that we took out and with the issues of flooding we owed around XXXX to the banks.The bank set a price of {$240000.00} as the short sale price. There was an open house and there were offers from XXXX people! But the bank now decided to up the price to {$300000.00} after we got all those offers. It was then found out that our lender Citi mortgage was XXXX on the title and citizens bank was XXXX. They could not resolve this issue and we had to go back and forth to court for over a year. Due to all of this. The short sale which should of been resolved in XXXX was not resolved to almost three years later in XXXX. We had never missed any type of mortgage payment. But when we decided to to short sale the home, we were told by Citi mortgage we could not make any payments if we wanted to short sale the house so we felt we had no choice. Also when we decided to short sale we did not know how long the process would take and we were also not comfortable living in the home with our kids worrying about flooding so we rented another home In XXXX XXXX to the presence. We feel that all this time lost due to no fault of our own has prevented us from purchasing another home. We have contacted Citi Mortgage numerous times to ask them to remove the short sale from our credit reports without any response! We have never missed any type of payment except that which Citi would not take. Our credit is prefect except for the short sale.We can not find rental housing in our own community and have been commuting our daughter to school. We truly hope that you can help with this situation. 




G
For the past 2 years I have been trying to get XXXX XXXX credit off of my report. I have never had a card with them, and have already went the route of the dispute. I have contacted them on no less then 50 occasions, to no avail. The account is not mine, nor has it ever been.
I have signed up with Citibank for alerts on my account to stay in know with my account balances. On numerous occasions i have recieved alerts that were incorrect. The alert would state that i had x amount available in my account on the present day and time however the actual amount in my account would be significantly lower. I would never be informed of my correct amount and i would never be informed if my account was overdrawn because apparently the payment wouldnt post to the account until after it has been returned and i have been charged by the bank. After numerous phone calls and complaints all i receive is a sorry ms. .... are you signed up for account alerts? Which i very well am but however that and all is incorrect! Im tired of Citibank robbing its cust for their hard earned money!
Bank of America - Mortgage Loan # XXXX - Bank of America sent the handling of my loan to XXXX XXXX at the end of 2016. I have been trying to obtain my 2016 tax statement in order to file my Tx Return for 2016. Bank of America has not sent it and refuses to do so. They insist I owe them payments for 10 months although all payments were made and I have verification of payments. They will not call me back or send the TAX info for 2016. What do I do?
This debt is not a federally backed/guaranteed loan. It is being reported to the credit bureaus beyond 7 years. Also it is beyond NY statute of limitations ( 6 years ) to collect a debt. I Have never made a single payment to this debt in its history. 

( A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more thanseven years old, or bankruptcies that are more than 10 years old.
I had a mortgage from American Pacific Mortgage, but they sold it to XXXX XXXX in XX/XX/2016. Since then, I make all payments to XXXX XXXX. I just got a notice from American Pacific Mortgage in the mail which says : " We would like to discuss your American Pacific Mortgage loan. Based on current records, you may be eligible to refinance your current adjustable rate mortgage with no application fees and no appraisal fees. '' On top of this very misleading message, I've never had an adjustable rate mortgage. 
This is trying to get me to refinance by scaring me about a mortgage I've never had!
My XXXX report shows a 30-day late payment for in XX/XX/XXXX my student loan serviced by Heartland ESCI in conjunction with XXXX XXXX University. XXXX XXXX was the direct servicer prior to that. When they entered the agreement with Heartland they released all auto-pay features and provided minimal details on how to make our payments to the new servicer or showed when they were do. The transfer of service occurred starting with the XX/XX/XXXX payment. Moreover, I still managed to make the XX/XX/XXXX payment in a timely manner, and in fact was charged twice. If it was for the XX/XX/XXXX payment, then that was because the new servicer had never alerted me, nor had either provided a means of access to the account. They made it an absolute pain in the behind to arrange a new auto-debit. Just look at my payment history, XX/XX/XXXX was never late. The missing payment there happened during my 60-day service transfer window mandated by federal law. 
Thanks
XX/XX/XXXX someone called XXXX at XXXX ( XXXX XXXX ) and knew my pin number and account number. 
At XXXX my phone was deactivated and the number was hooked up to a pre-paid T-Mobile phone without my authorization. 
At XXXX I received an e-mail from Chase that my debit card was hooked up to my XXXX XXXX ( my credit card was hooked up at the time ). I immediately called, because I did not do this. 
I checked my bank account and saw the following charge : {$5400.00} Card Purchase With Pin XX/XX/XXXX Apple Store # XXXX XXXX XXXX XXXX NY Card XXXX XX/XX/XXXX around XXXX I called Chase bank to dispute the {$5400.00} charge and they told me to file a claim XX/XX/XXXX I went into XXXX and discovered what happened to my account XX/XX/XXXX -- I filed a police report XX/XX/XXXX -- I faxed over my claim to Chase bank XX/XX/XXXX -- I called Chase Bank and they told me I was denied. I was told Chase called my phone number and the person validated the XXXX XXXX purchase ( but my phone was shut off at XXXX that day ), so someone else validated the claim XX/XX/XXXX -- I got a hold of the executive office and I sent in the following : identity theft report on the Federal Trade Commission police report letter from my work verifying that I was at work in California on XX/XX/XXXX a detailed letter with any account numbers and phone numbers of people that have have proof that I was in California at the time of the purchase. 

Chase bank refused to look at any of my evidence and just told me no. I was told that I needed XXXX to write me a letter that stated I was in California on XX/XX/XXXX. However, my work and the police department can verify that I was in California on XX/XX/XXXX. XXXX will not write the letter,
We are still without complete information concerning the loan agreement that SLS sent to us. 
We have two ( 2 ) Requests : 1 ) Provide the name and " ADDRESS '' of the custodian holding the original loan documents. 
2 ) We need to view the original agreement in person. We are requesting a date and convenient location to view these first hand. A date in XXXX or XXXX.
I have student loans from Navent. I am XXXX and only have XXXX income. I have been out of school for at least six+ years. I have attempted for YEARS to find help in any way to assist me with figuring out these loans. Everytime I have spoken with Navent they say they will send me information on program assistance or forgiveness for these loans and then they connect me with a recording that you have to agree to some kind of forbearance ... which honestly I do n't really know what that means for my loans but if I do n't agree they continue to keep coming at me for the loans with multipal calls per day from XXXX to about XXXX 7 days a week from all over the US. I have requested these so called assistance paperwork many many many ... times in these 6+ years and have yet to see any information for this. I only receive bills. I only went to school for about 3 quarters and my loans were under {$12000.00} well my latest principal is now {$24000.00} with a current payment due of {$1100.00}. I do not know how to actual figure this assistance out because I have just been told the same thing everytime ... they will send me paperwork and I need to do this forbearance each time. My income from XXXX is only about {$800.00} and that is before my Medicare premium. Please help me or let me know what I am suppose to do to actual resolve these problems.
Other than having my loan forbearance, or deferment, it would pretty much impossible for me to pay them off. The payment amounts are very high for a household of XXXX.
QuikTrip corporation changed credit card issuer from UMB Bank to XXXX XXXX XXXX XXXX. Unlike others who have changed XXXX XXXX wanted me to reapply for QuikTrip card. I had been with QuikTrip for over eleven years and had a great track record of paying my bill. I know that come XXXX XXXX, 2016 my credit card account with QuikTrip is over. When it hits my score will drop again because its an old account almost eleven years. Other cards I have change issuers and they just sent me out a new card. I guess QuikTrip just wants to throw out all those loyal customers that do n't deserve their loyalty. This is the way QuikTrip does business I guess.
I have repeatedly told the company over the phone when making a payment that when I first applied for the loan, I was getting paid weekly but then I got hired thru the company and I get paid bi weekly now and that it is hard for me to make the payments when I said I was. Company has been calling other people that where not on my reference list to get in contact with them and if I am available. One representative called me and started screaming at me over the phone. When I told them to let me speak to a supervisor he hung up on me.
XXXX, 2017 XXXX Transaction Details Description- Capital One Payment Transaction Date- X/XX/2017 Posted Date- X/XX/2017 Amount : XXXX Category- Payment Details- N/A Payment History XX/XX/2017 XXXX ... XXXX Social Security XXXX XXXX ... XXXX {$3200.00} Paid
I am not disputing the loan in question. I notified the office of my inability to pay and that I would contact when I would be able to start payments again. I mailed a certified letter on XXXX/XXXX/2015 after receiving a visit to my home with a threatening note of coming to my job. The letter will be attached. I received a call at my job from Midwest today with the threat to come to my place of employment by XXXX XXXX/XXXX/15 after my written request that they only contact me by correspondence.
In XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, Equifax, XXXX and XXXX, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. XXXX lists my public record was updatedXX/XX/XXXX, Equifax, lists my public record update as XX/XX/XXXX,  XXXX has not updated my public record, but they also have not sent me their MOV either.
Years ago I defaulted on my student loan and before I could resolve the issue it was transferred to a collection agency. Since then, I have written numerous letters to the many different collection agencies requesting detailed information regarding the loan and fees. Each time this is done, the loan is again sold to another company. Sometimes, there was XXXX different companies trying to collect at the same time. In fact, XXXX attempted to garnish at the same time. I finally received a response from XXXX XXXX saying they would obtain the documentation and forward it XX/XX/2016. I just received a letter XX/XX/2016 from College Assist saying they sent me a notice on behalf of the XXXX XXXX XXXX XXXX regarding retaining federal tax refunds and that they would be offset. I have not had any contact with that collection agency in over two years!!!!! It has been sold numerous times since then and I have kept all correspondence with these companies. How am I to blindly resolve this debt without any documentation? Am I to believe what the tenth in line collection agency is requesting?
I have a refund from Ebay, they gave me the following PayPal transaction ID XXXX. This is from XXXX XXXX, 2016, after several calls and emails to Paypal they ca n't find the transaction, they asked me for all my credits card numbers, address, accounts, they asked me if I have husband, brothers, son, they asked me for the name of the merchandiser, really I do n't know what kind of mess they have there but at this time I have no refund. They asked me the transaction number about 50 times but at this time I 'm scared because I gave to them all my personal information just for a refund and I do n't know if this is normal.
XXXX XXXX XXXX amount of {$7700.00}. I have disputed and sent Experian, XXXX  and XXXX   copy of court document showing that case under XXXX XXXX XXXX was dismissed and I am to pay nothing. I also sent a police report
I am sure that what I am describing you already know about it. I have made a complaint in XXXX regarding the fraudulent activity from Wells Fargo Home Mortgage and nothing was done. I am convince that nothing will be done this time either. However, I would like to make sure that I document everything that CFPB is not doing to protect the homeowners. 

Wells Fargo has been on the new one too many time and despite that we ask for help the millions of dollars in fines for breaching their contracts or agreements continues allowing WELLS FARGO HOME MORTGAGE TO CONTINUE DEFRAUDING THE CONSUMER. 

Wells fargo has done everything to take my house today XX/XX/XXXXmy house was sold in auction. It is very sad and frustrating to be feeling powerless because not even a government agency can take down a corruptible institution. The robo signing continues to this day, the false affidavits continue, the overcharges continue and the loan modification were denied despite the homeowner can afford the payment, but the house had equity and the banks wants that equity. I am requesting the assistance of the CFPB to sit down with me and WELLS FARGO HOME MORTGAGE. I would like XXXX to lie in front of you when I take one letter after another of how they have overcharge as they wish and how my loan modification were wrongfully denied. How they blame the use of the TREASURY FORMULA as the responsible party for denying the loan modifications and since it was a complex formula nobody new really how to explain it so do n't even bother asking a question. The investor was WELLS FARGO BANK AND MY LOAN WAS A PICK A PAYMENT LOAN. WELLS FARGO DURING THE MERGER WITH XXXX PROMISED TO ASSIST HOME OWNERS WITH PICK A PAYMENT LOANS. MY LOAN WAS ONLY XXXX DOLLARS AND THE VALUE OF MY HOME WAS XXXX WHEN I REFINANCE IT. THE LENDER KNEW i HAD EQUITY ON MY HOUSE AND THIS IS THE REASON WHY THEY DID NOT WANT TO PROVIDE ME A LOAN MODIFICATION. FOR THE FIRST 4 YEARS THE WFHM DID ABSOLUTELY NOTHING TO PREVENT FURTHER DEFAULT. THEY WOULD NOT WANT TO ACCEPT MY MONEY OR RE-PAYMENT PLAN. 
ALL THEY WANTED WAS INCREASE THEIR COOKIE FEES OVER CHARGES ON EVERYTHING AND REFUSED TO ASSIST ME WITH A LOAN MODIFICATION. THE EXECUTIVE OFFICE IS AS CORRUPT AS EVERY OTHER DEPARTMENT OF THAT LENDING INSTITUTION. I WONDER WHERE DOES ALL THE MILLIONS OF DOLLARS THE CFPB goes because we as consumers are not seeing any change on the way XXXX conducts business and as a consumer I am not seeing any benefit either. 

I am asking for a full review of my loan modification or the record keeping of my house, loan modification denials and false documentation recorded. I would like to be part of a meeting with wells fargo as well.
XX/XX/XXXX Complaint Against XXXX and Transunion for the past 10 months have been requesting to dispute unknon inquiries. When I lifted my credit freeze in XX/XX/XXXX and thereafter ( XXXX, XXXX ), at least 10 inquiries from companies, banks and loan servicing entities that I had not applied for credit from and I had not filled-out any type loan application in person or online.Complaint- XXXX and Transunion refused to allow me to dispute the unknown and inquiries that I had no knowledge as to why they pulled my credit without my permission : banks, credit unions, and loan servicing companies. I had not applied for credit with these entities in my dispute or given them approval to run my credit at all. XXXX and Transunion refused to allow me to dispute these unknown inquiries would not even bother to investigate this inquiries as requested. Complaint Against XXXX  and Transunion for the past 9 months as they have not allowed me to dispute unknown inquiries as follows : 1. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 2. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 3. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 4. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 5. XXXX XXXX, inquiry XX/XX/XXXX, not my approval 6. XXXX, inquiry XX/XX/XXXX, not my approval 7. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 8. XXXX XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 9. XXXX, XXXX, inquiry XX/XX/XXXX, not my approval 10. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXXnot my approval
There have been fraudulent withdrawals from both my checking and savings accounts. I have visited the bank ( Santander ) on multiple occasions but they have frozen my account and refused to refund or give me a temporary credit for the stolen funds. Because my account is frozen I can not gain access to look at all of the transactions and confirm whether or not they are genuine. I have also filed a police report
Experian has removed an open account from my credit report. I did not request that you remove XXXX XXXX Acct # XXXX. This account was open XX/XX/2015. Please add the XXXX XXXX Account back to my credit file.
Specific credit criteria for the cards range of offered interest rates was never provided in violation of federal laws. 
The highest rate was applied. 
The letters sent too late and only after a cfpb complaint # XXXX were addressed to another person. 
The barclays website 1. showed a higher FICO at the time of the account opening and also 2. a fake fico and fake credit report reasons was sent along with the erroneously addressed document from barclays responding to the original cfpb complaint. Theres no possible way any of those reasons belonged to me NOR would they result in a score as high as XXXX. My score was nearly 760 at the time of my application. 
No legal action or penalties have been levied against barclays for this rate scam and subsequent violation of federal laws.

See also XXXX See attached screencaps of docs sent and score from barclays website.
I keep getting calls from Convergent a debt collector about a past due bill with XXXX. I do have services with XXXX, but my account with them is valid and not late. Now my oldest son opened an account with XXXX in my name without my consent and I 'm assuming this is what the delinquent account is for. The amount is for XXXX. My current account number with XXXX cable is XXXX for XXXX where I have reside for the past 14 years and this account has been opened for the past 4 or five years. The XXXX addresses that my son lived at was XXXX, AL XXXX and XXXX, AL XXXX. Again I 'm urging this company through this site that I never lived there nor did I give my son permission to open these accounts in my name.
I have had a credit card with Bank of America for many years. Just recently they sent me a XXXX form and a XXXX form to fill out and mail back to them saying that they need to update my information. No other credit card company has sent such forms. B of A already has my Social Security number which they got when they granted me a credit card ( years ago. ) So what is this all about? I am asking CFPB to live up to its name and protect me from corporate over reach in data mining, etc.
I have Nationstar Mortgage company for my home equity loan and they forced place flood insurance on me for {$560.00} I have recently payed them back plus paid them for anther year, then I went to buy my own so they don, t have a escrow on me and they refuse to except my own and refuse to cancel the escrow. they have been charging me extra and holding my check until the grace period is over and charging more interest. They even told me they would do that if I don, t continue to pay a escrow!!!! WHAT CAN I DO?
I have opted out of receiving credit card offers with all of the credit agencies, yet I continue to receive offers in the mail from  Capital One . I do NOT and have NEVER done business with them.     I have called them and asked them to stop yet I still receive offers almost weekly. I want it to STOP.