WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2015, I received a letter in the mail telling me that I could apply for mortgage relief in the form of a modification to reduce my monthly mortgage payment. At that I was current on my mortgage but I was struggling to make the payment as I have XXXX children at home and my husbands income had been reducing steadily. I called the number on the card because it stated that it was part of the XXXX program and I thought it would be a legitimate program. The letter also had the HARP logo on it. When I called the number it was a group called XXXX XXXX XXXX. They had me talk with XXXX XXXX. They gave me a case ID # XXXX. She told me to stop paying my mortgage to be able to show a financial hardship. She also told me to keep very little money in the bank. Over the course of the last eleven months I have sent many documents, some of them over and over again. I have had many difficulties gettin in touch with them to ask questions. I recieved a certified letter from my lender stating I was in forclosure. XXXX told me not to worry about that. It was a norml part of of the process. In XXXX of 2015 XXXX notified me that my lender would not participate and the offered a forbearance plan of {$2700.00} over twelve months in order to become current. My husband lost his job in XXXX so the forbearance plan was completely unreasonable for us. I was speaking with a representative of XXXX and told her about my husbands lack of employment and she said we could start the process over with the new circumstances. Shortly after that conversation I received a notice to appear in Mortgage court. I appeared on XXXX XXXX and was told that Nationstar Mortgage was proceeding with the foreclosure. The attorney hired to represent Nationstar Mortgage was very upset with our situation. He told me we were taken advantage of and scammed. He told me to take this to my state representitive. I paid XXXX over thee thousand dollars, adheared to eveything they required and ask of me. Now I am faced with bad credit, and trying to find a home for my husband, myself and my XXXX minor children. Please help. Thank you.
Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided regarding XXXX XXXX. my last letter i send is attached to this complaint.
I just. Checked my free annual credit report and found that I have 2 active collections that are not mine. They are fron XX/XX/2018 and XX/XX/2018 from A Southeastern medical company. I have no idea who or where this is and did not receive any medical treatment during those months at all from anyone anywhere.
I having been trading on eBay and using PayPal as my payment method. My complaint is against PayPal. In the past month, I 've had a number of transaction cancellations and returns for refund. PayPal has deemed this high risk behavior and frozen my account which has a balance of {$19000.00}. I am not permitted to move that money, my own cash, anywhere. I ca n't send or receive money and most significantly can not move the cash to my linked checking to pay other bills or buy groceries. They will not tell me what if anything I can do to fix this. I have had an account with them for 14 years with no problems. I even told them to cancel my account permanently, just give me my own moony. Even now, I 've broken none of their policies nor any laws. This is a subjective directive that 's come down from " executive escalations. '' They state that they empower themselves to be able to do this. I 'm not indebted to them or anyone I 've traded with so I want to get my money out of that system.
XXXX XXXX XXXX deposited money on to a Citi Card ( on my behalf ), since according to them, they have gotten away from paying people by checks, and they do not offer direct deposit. <P/>They deposited a {$600.00} Bonus on my card XX/XX/XXXX. I went to one of their XXXX XXXX ATM 's onXX/XX/XXXX to dispense the funds. The location I went to was : XXXX XXXX - XXXX, TX XXXX ( XXXX XXXX XXXX Branch ). The funds was not dispensed, and I contacted XXXX XXXX XXXX ATM dispute department, they told me I had to contact the Card Services on the back of the card in which I did, and the dispute process began. <P/>It is currently XX/XX/XXXX, and I was told on XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX - SVP, Group Manager ) that the {$600.00} was refunded back to Citi Card onXX/XX/XXXX. Citi Card has not to this day dispersed my {$600.00} back on the card.
Experian is showing a late payment. When i log on to their credit reporting web site via my membership it indicates that their is a late payment and it is adversely effecting my credit score.  Upon complete review of their report of my entire credit history there are NO late payments to be found! I called Experian and spoke with their dispute center and while i was on the phone with them they reviewed their report of my credit history and did not find a late payment report either, but they did say that a report from XXXX XXXX which does indicates Paid, Closed Never Late, it also indicated early termination/insurance loss, and that JUSTIFIES A LATE PAYMENT REPORT!!!! I disagreed and said it was a leased car which was totaled and XXXX XXXX was paid in full for the vehicle by the insurance company. He said there is nothing he can do and i should call customer service at Experian, which was another waste of time. I CALLED XXXX XXXX AND THEY SAID THEY REPORTED PAID, CLOSED NEVER LATE. They said the reference to the early termination insurance claim simply refers to how the account was closed and paid. They also said that it was ridicules for Experian to take that as a late payment, it makes no sense and there was nothing they could do for me with regard to Experians report. I will upload a copy of the section that shows the XXXX XXXX information. Their reporting a late payment does negatively effect my report and my credit score. I also acquired my credit reports from XXXX and XXXX and there are no late payment reports their either.
In correspondence dated  XXXX  -2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either
I have had multiple issues with Navient. I originally had issues attempting to pick a payment plan, and was given different information from each person that I spoke with. I do not believe they helped me make the best decisions based on my situation.     My biggest problem, was in the the fall of   XXXX   my plan was switched. At the time, I was enrolled in the autopay. When the plan was switched I was still enrolled. I had believed the monthly payments were being made. I received a phone call stating that my payment was not made for 3 months and that a report was filed against my credit. I spoke with NAVIENT and they stated I was enrolled in autopay, however, it was not deducting the money from my account. They had to reset the autopay, and it began to take money from my account, however, I still took a huge hit to my credit. They said this could not be fixed.
Debt is my father 's they sent me a copy of the bill my dad had XXXX XXXX as a doctor I have XXXX as mine XXXX hospital swaps us around all the time if they would send the signed form that I have always had to sign you would see it 's my dads XXXX XXXX XXXX he has insurance and it would have been paid If it was billed right
When I obtained my mortg age with Charter t hey ( without my express approval ) opened a " free '' checking account in my name. They later unilaterally transferred my mortgage and checking account to their affilia te Citizens B ank and started charging undisclosed monthly fees since the date of the transfer. They never informed me of any new fees associated with their decision, sent me notices of their debits from my account, or offered my the opportunity to close the account. I received a notice on   XXXX   XXXX   XXXX    , notifying me that they had withdrawn all funds in the account and that I now had a negative balance and needed to transfer funds to  Citizens Bank.   <P/> To be clear, I never wante d an account with Citizens Bank, I did not want an account with Charter Bank, and never consented to me being  charged fees.  <P/> Per  Citizens, while they agree that they did waive all " monthly maintenance fees '' the fees charged to my account were a separ ate category of charges called a " dormant account fee. '' Citizens was unable to provide the total amount withdrawn from my account without my consent.
I am in the process of trying to pre-qualify for a mortgage loan and I have a collection account from Credit Protection. I tried to call the company to try and get the balance taken care of but the company will not work with me. I do not have any written documentation that justifies the balance they say I owe them. The account has been reporting on my credit report since the XXXX of 2015. I desperately need this situation rectified.
Called numerous times attempting to change account status to " out of school '' as I have now graduated 4 months ago. Loan service officer indicated that changing this would be possible with paperwork, however never sent paperwork to allow me to change.
This is in regards to  PNC 's     XXXX   XXXX   c redit card. I had their card and received a promotional balance transfer for 12 months interest free with paying a percentage service fee, so I did a {$5000.00} balance transfer in  XXXX  of  XXXX . I paid more than my minimum, usually {$750.00} per month, yet in  XXXX  of  XXXX  they started charging me interest. I did n't notice it till my  XX/XX/XXXX statement ( that they added interest as well  ).  On  XX/XX/XXXX , I contacted their customer service department and spoke with MR.  XXXX   XXXX . He explained to me that my previous balance ( before the  XX/XX/XXXX  balance transfe r )  interest free period had expired in  XX/XX/XXXX and that was why I was being charged interest. I pointed out to him the large payments I had been making and how it should have covered that balance. He started talking about how they apportion payments, with the highest interest charged purchases being apportioned last. During the conversation at least 3 times I asked for him to send me an itemized account of how they apportioned my payments since the  XX/XX/XXXX  balance transfer, he agreed to do so and said documentation was being sent. He also told me that if my next payment I made was approximately {$1600.00} and change ( I do n't recall the exact amount ) that I would no longer incur interest so I made a payment of {$1800.00}, and yet on my next statement they have charged me interest. They have set this up in such a way that the credit card holder is not only being charged a transfer fee for a balance transfer but is also being charged interest on your card even though they claim it 's a 12 month interest free period if you pay it off at the end of those 12 months.
There is an item I have disputed several times reflecting XXXX which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company
Glad debt collection has turned in negative remake on my credit report. The debt they are attempting to collect was voluntarily direct deducted from my payroll check by the company that charged me. have not contacted me in writing about the debts. They have not provided me any proof that I am responsible for said debts. They have not provided me any documentation tat I agreed to pay the original debt.
I have seen this incorrect information in my credit report several times over the years. 

I have never worked at XXXX XXXX XXXX in XXXX CA. 

Please remove that employment information from credit reports. 

Thank you
I have received numerous phone calls from Portfolio Recovery Associates over several weeks. I spoke to them once and found they are seeking payment for a credit card balance due. I have no such debt and told them so. They continue to call, but I do not answer. I know there is another person with the same name as me living nearby. I hope you can resolve this issue on my behalf as they did not listen to me.
I tried to have an account that XXXX XXXX XXXX even claims was fraudulently opened ( card was active and charged off in 3 months time w/ an unpaid balance ) REMOVED from my credit report as I am
listed as an authorized user and I NEVER enlisted myself to be one or was aware of this card in my name! XXXX swiftly removed this authorized user tradeline off of my credit report ( I have new credit I 'm
trying to build and this is SERIOUSLY dragging me down ) over 3 months ago. Contacted XXXX  XXXX but because it has been closed/charged off they wo n't remove me as an AU despite the fact they suspect fraud. Disputed it once manually with Equifax in XX/XX/XXXX and they wo n't remove it, so I submitted another dispute and I also came to the CFPB to get some potential help.
My mortgage is serviced by Caliber Home Loans. On dozens of occasions I have received email and mail marketing solicitations from their originations unit, encouraging me to refinance. On at least five occasions, I requested to be removed from their marketing list electronically, to no avail. I then called a representative and asked to be removed, again to no avail. Finally, in XX/XX/XXXX, I emailed XXXX XXXX, Caliber 's SVP of Strategic Growth whose signature graces every solicitation. I received a letter back on XX/XX/XXXX apologizing and confirming that I had been removed from the marketing list, and cautioning that I may receive one more mailing. Over the past few weeks, I have since received multiple additional letters in the mail. Today, I received a letter dated XX/XX/XXXX, weeks after I received written confirmation that these annoying letters would stop. 

My right to opt out is guaranteed by the Gramm-Leach-Bliley Act. Either Caliber 's process is unable to comply with my request, or they are willfully ignoring my request. Either way, it 's time the federal government knew about it.
I have a personal loan through mariner finance.. formerly XXXX in mt.airy, nc XXXX They have been calling XXXX times a day and even calling my work place and disclosing information to my supervisor which I feel is wrong because that 's my personal business and they are telling everyone they talk to the situation of my loan. I know i owe it but I have hit a hard place and got a little behind and called 4 times today ( XX/XX/2016 ) and threatening to take legal action against me for the payment being past due.
My mortage company, Regions bank, put hazard and flood insurance on my home loan before I was able to sell it. They didn't notify me only my EX husband who was also on the loan. They sent no documents to the address of the property they were insuring. I am the one who lived in this home. When I went to close I had to pay over {$25000.00} in force placed insurance. I have all the statements from the bank that show they sent my Ex everything and me nothing. I am trying to get my money back.
Without prior legal notice : Home Point Financial Corporation changed my loan servicer from : Home Point Financial Corporation XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX TO : Home Point Financial Corporation XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They sent me written notice dated XX/XX/2018 vis USPS Mail, that the change was to become XX/XX/2018 ... which is the date my XX/XX/XXXX Monthly Payment was electronically sent and received by them at the NJ address. 

The MO address now says that they have not received the payment and that the NJ address has no obligation to forward it to them! 

I have a Mortgage Statement dated XX/XX/2018 and sent by USPS Mail that states that I owe Home Point Financial for BOTH XX/XX/XXXX and XX/XX/XXXX Payments!. 

Repeated phone calls have resulted in NO ACTION on their part to resolve the issue. 

This appears to be a blatant disregard for fiduciary responsibility and a total lack of Good Faith in resolving a problem created solely by their failure to follow good business practices, and a potential act of fraud ( even if inadvertent ) : Failure to post the payment to a mortgage can occur extra interest charges and potential late fees. 

I am led to believe that I am but one of a number of people being affected by this problem and potential violation of not only Good Faith, but federal law.
I got a vehicle loan in  XXXX    XXXX   and recently I contact them to let them know that I was in the process of filing bankruptcy, that I am attorney represented and I provided my attorney contact information to my lender on Monday  XXXX   XXXX . Today is  XXXX   XXXX  and my lender has continued to call me despite me telling them I am represented and they need to direct all questions to my attorney. They have contacted me on the following dates and times ( usually leaving a voicemail every time ) Tuesday  XXXX   XXXX   XXXX    XXXX   XXXX   ( we spoke  for 8  minutes, where I again advised them I am attorney represented, and they told me that until my case is filed they will continue calling )  XXXX   XXXX  They called at  XXXX    XXXX   XXXX  , left a message.    XXXX   XXXX  they called at  XXXX    XXXX   XXXX  , left another message- I called them back and again advised them I am attorney represented.     I called my attorney and let them know about the calls- they advised me to log every call I get and we can potentially sue them. They are committing unfair debt collection practices and violating the Fair debt collection practices act.
I went to a Chase bank located in XXXX XXXX NY on XXXX XXXX XXXX and the rep asked me if I had a chase credit card. She advised me of a 0 % credit card for 18 months that I would qualify for. It is the Chase freedome card. I applied on the spot and got a large credit. What the rep did not disclose was that Chase does not offer you the option to pay greater than the minium amount via automated bill pay. You get XXXX options either pay the minium amount or pay the full amount. This is defrauding the consumer as it forces you into a balloon payment at the end if you can only pay the required minimum payment. I called Chase they confirmed that they only offer minimum payment via auto pay or you can go in monthly and pay greater than the minimum amount. This is not standard payment policy because if you have a credit card with Chase that has an interest rate charge you can pay more than the minimum payment via auto pay. Chase in this case is offering 0 % credit cards but not allowing you to pay greater than the minimum in an automated fasion. This is not disclosed at the time of offer or is it disclosed on the statements either. Please advise whether Chase has the right to change its payment options on different products and if so, are they not supposed to disclose this information?
I opened a new checking account with CitiBank. I opened it online using their website and a promotion code that the system accepted ( and which I verified via phone after the account was created and was told that they saw the promotion on the account and once I completed the requirements would receive the miles ) which promised me XXXX XXXX XXXX upon completing the requirements. 

I subsequently completed all of the requirements within the prescribed timeframe - direct deposit, visa debit card purchases, and having a Citi XXXX XXXX XXXX card. I was told by a customer care rep that I had completed all of the requirements as well. 

Now Citi is trying to say that I was n't " approved '' for the promotion and they are trying to back out of giving the me miles I was promised. 

I tried hard to resolve this with them, but to no avail, and as such I feel this is my last resort. 

I am not the type of person to file complaints, and this is my first time here. Unfortunately I feel like I have no other choice now. My husband actually opened the same type of account under the exact same conditions ( with the same promotion code ) and was also originally denied by citibank for the same reason - but they eventually understood that they owed him the miles as he completed their promotion ( just as I did ) and they deposited the miles into his AA frequent flyer account. 

I am asking for your help as I feel that I was duped into a bait-and-switch and they are just trying to get customers by making false promises hoping that we will not advocate for ourselves. 

I have noticed through some online research that Citi is becoming quite proficient at this type of bait-and-switch routine as there are many others in the exact same boat as me. I feel they need to be held accountable for their actions. 

Quite simply, if they do n't want to honor promotions, they simply should n't allow those promotions to be entered into their website. They accepted the promotion code I entered, explained what needed to be accomplished to receive the miles, I accomplished those tasks and fulfilled their requirements - and now they should do what they promised they would. 

Thank you for your time, and please do n't hesitate to contact me about this issue.
I opened an account with Paypal to conduct online sales of tickets for an event in XXXX 2016. 

I conducted these transactions and received and withdrew money without incident until XXXX XXXX when I received XXXX buyer disputes. I was then notified that my account was frozen and that I could no longer withdraw the funds. I provided PayPal with every bit of documentation requested and while XXXX dispute was closed without their involvement, they ruled the XXXX other disputes ( which were similar to each other in nature ) differently. One in favor of the seller and the other in favor of the buyer. 

They have now placed {$2200.00} of my money in reserves and will not release my money to me until 5 months from now and they will not even guarantee that it will happen then. 

I called and asked them to close the account. I spoke to " XXXX '' a Supervisor on XXXX XXXX and he advised that they could not accept my response to close the account. He also advised that they would not be releasing my money to me. He also would not guarantee me that they would release my money to me on the date of XXXX/XXXX/16 as previously stated in the email. 

They have changed the terms of the initial account setup and I am no longer doing any business whatsoever with this company as a result.
I have been fighting identity theft since XX/XX/2016. My credit score is all messed up. Accounts are being opened under me fraudulently. And I have a lot of medical bills ... been sick for many years. I am not able to work right now and I have no money to pay the hospital bills .... and bc of all the collections, I am suffering sooooo bad STILL and Im only XXXX. 

I have never lived in the apartments your company is collecting for. So please work this me! Yall are trying to collect {$8000.00}. I dont have a single dollar to my name right now and I cant even get a small loan to pay a bill because your company is trying to COLLECT {$8000.00} FOR SOMETHING I AM NOT RESPONSIBLE FOR
My data was breached with the Equifax hack, I have to place a freeze on my credit score to prevent any credit cards from being opened in my name.
I received a call in XX/XX/XXXX about a payday loan debt and threatened to take me to court. I received another phone call from XXXX. This guy called me XXXX and left insulting voice mail on my phone