WillisBack/dataset-financial-user-claim huggingface dataset:
Due to financial hardship, I fell behind on my mortgage payments. I discussed my situation with my lender XXXX Bank of America XXXX in XXXX of 2015. I submitted the XXXX for Mortgage Assistance in XXXX, including all requested documentation only to be asked to submit the same paperwork over and over again. During the phone conversations, Bank of America, appeared to give me the run around and they informed me that the service on my loan was being sold on XXXX XXXX, 2015. I was also told that all paperwork would be sent with the loan documentation. I did not receive anything in writing about who will be servicing the loan. According to a letter I received on XXXX XXXX, 2015, from my understanding the service company assigned to my account is XXXX which is an agent of XXXX XXXX. I informed XXXX XXXX XXXX that I had completed paperwork for Mortgage Assistance, but they told me that there was no paperwork of that nature on file. Bank of America did not process the paperwork as they led me to believe. I requested the forms for Mortgage Assistance from XXXX XXXX XXXX, but I am yet to receive the paperwork. In short, the agent for my loan as well as Bank of America have not provided proper support for my repeated requests.
Here are my concern, I am upset and annoy that Credit Acceptance would not understand my problem. I explain to them that I am victim of flood that hit state of South Carolina in XXXX XXXX. Because of the flood, it is the reason I am have trouble making payment of my auto loan. This flood damages my home and also put me out of work for few months. Now I had this auto loan since XXXX XXXX and always made my monthly payments on time and more than what is asked to be paid. My monthly payment is {$280.00}, but I always made {$300.00} monthly. On Friday night I made a payment of what is owe leaving me a balance of {$60.00}, so when I got home later that night I find that my vehicle were missing out my backyard. After calling the police to file missing report my vehicle is gone, the officer told me to call the financial company first because they may have it. If Credit Acceptance told you that they done then call back and we file missing vehicle report. I call Credit Acceptance ask where my vehicle is, nobody could not answer my question until next day. Credit Acceptance wanted me to make payment arrangement for the balance amount of {$60.00}. I am confused is what I explain to them because I do n't understand if my vehicle has shut off system on it, then why come and get the vehicle. I got no answer ; instead they wanted me to make arrange for the balance amount of {$60.00}. When I questions them about state of South Carolina law on repossess of vehicle, here is what Credit Acceptance told me " we are second chance auto loan provide and we do n't have to give rights to notice letter. '' I call the dealer to explain my situation and the dealer were very shocker because he was told if you communicate with Credit Acceptance they would never come get the vehicle. 
So I had to pay a fee of {$250.00} to get my vehicle back, and {$50.00} fee to towing company that clean out vehicle. Not to mention the cost for travel to get my vehicle from XXXX, SC at auction. The Credit Acceptance told me that I still had fee to pay on top of my regular monthly payment. That fee came too totally of {$850.00}. Credit Acceptance break down into monthly fee attach with my monthly payments.
I REPORTED TO XXXX XXXX XXXX  THIS IS NOT MY ACCOUNT THEY SENT ME A FRAUD AFFIDAVIT AND I RETURNED IT TO THEM. I HAVE PAPER WORK I PRESENTED TO THEM TO SHOW INFORMATION WAS INVALID AND INCORRECT YOU CAN NOT REPORT INACCURATE INFORMATION TO THE CREDIT BUREAU. I AM ASKING THEY REMOVED UNTIL DISPUTE IS SETTLED ANF THEY HAVE A OFFSET AGAINST MY FEDERAL RETURN.
On XX/XX/XXXX I spoke with a representative named XXXX from Equifax, To update my information such as addresses and phone numbers. I also explain to XXXX that I was a victim of identify theft and did n't recognized some inquires that was on my report he asked me which inquires that was n't made by me and I told him and he advise me that those inquires were deleted and provided me with an confirmation number # XXXX. When I received my report in the mail I realized those inquires were not removed like the addresses as stated on the recording. The following Inquires and dates are listed below : XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX
DIVERSIFIED CONSULTANTS, XX/XX/XXXX DIVERSIFIED CONSULTANTS, XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,
I was in the process of a Loan Modification and Chase Mortgage went ahead and filed a judgement against me even though I was not denied for the Loan Modifucation. When I called the Loss Mitigation department at first they seemed to not be aware of it and we 're still asking for documentation. When I called again to follow up I was told by my Customer Service Representative that we have to be in Underwriting which I know it is not true. I am due in court even though Chase is dual tracking me. I was also told that the Chase ' foreclosure department and the Loss Mittigation department do not seem to communicate.
My loan was in deferment while in graduate school. When I spoke with a Navient representative they told me my new amount with an IDR payment plan when I reapplied would be about {$400.00}. I received an email saying my new amount due is {$560.00}. I received no paperwork/documents on what payment plan I was on and how this amount was calculated. I still have not received any of this information.   On  XXXX   XXXX  at  XXXX    XXXX   MST, I called Navient and spoke with a customer service representative and I asked her which payment plan I had been placed on and why my payment was so high . ( This is more than my Mortgage ) Sh e told me to hold. She came back and said that she did not know how the amount was calculated and that when she ran the numbers the amount should be {$300.00}. She said she would put in a request to have the amount recalculated. I still have no information about the payment plan I have been placed on and they could not provide information to me this.
Yet another worker that just can do there easy job right..i gave her my CC number 2 times over the phone for capital one and she said the payment is processing the confirmation number is XXXX ... she said it went through..well when i checked today and tonight at XXXX ( stayed up to see if it would show ) it 's not showing ... i went on chat and after 1/2 waiting and chatting the chat worker did n't know either..i paid {$40.00} dollars to what XXXX? the sky? ... i do n't get it ... I do n't know how these people are hired and do n't care..i just want to know and now have proof where my hard earned money went ... so this is the reason i have to do this again ... my XXXX if this place was n't here over half the world would be ripped off..wth is happening ....
Transunion fails to remove the XXXX XXXX XXXX account.Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I am getting a bill form Alliance One who bought a debt from XXXX that also not my account and I have disputed this account with the credit bureaus and it was deleted. Now Alliance One wants to buy debt and try to come after me and jepordize my credit.
In XXXX 2010 we filed an official application for HAMP with Bank Of America and provided some XXXX pages of documents with the application.For an entire year, even though they confirmed receiving the documents each time, they continually lost our file. And they continually gave us false information about the HAMP Program.Then they sent us to another dept. and did a HARP refi and told us it was a prerequisite to HAMP-the refi cost us {$8000.00} in closing costs and did not lower our payment enough to stay in the home and we defaulted.When we reapplied for HAMP they told us the HARP refi made us ineligible for any further modification with HAMP-the opposite of what Bank Of America told us.Now we are facing foreclosure and have no modification programs available to us because Bank Of America cheated us out of getting in the HAMP Program and sold us the worthless expensive HARP.
RPM had sent me a letter to dispute my dish network account dated XXXX/XXXX/16, after submitting my dispute letter to RPM regarding my XXXX account on XXXX/XXXX/16 which I admit I had sent to the incorrect address, the reason for that was due to the fact that RPM does not clearly indicate where exactly to send the dispute letter, ( copy attached ), I have also provided a copy of the dispute letter that I had sent to RPM on XXXX/XXXX/16. After reviewing my credit report ( copy attached ) clearing showing that RPM had reported a collection on XXXX, which was not 30 days after I received the notice to dispute the validity of the debit, I received the dispute letter on XXXX/XXXX/2016, and sent the dispute letter on XXXX/XXXX/16. RPM had reported my XXXX account as unpaid before the required 30 day time frame for me to dispute the dept. Thank you for your time.
A third party debt collections agency called UCB not on contacted my employer but a family member as well. Judging from what I have researched this is n't technically illegal but contacting an employer could potentially cause me harm at my place of business and contacting family members is a shady way of doing business.
My credit report shows an account and remarks that does not reflect my report accurately. The account in question is an closed account ..XXXX/ XXXX XXXX XXXX with a closed date of XX/XX/2013, and remarks stating card was lost or stolen. I'm asking that this account be removed from my report.
On XXXX XXXX or around that day, I applied for Citi Card at our local Costco store. The first time I entered the application online at the Costco store, the staff from Costco said I need to call Citi Cards. I did at that moment and they said it was denied because my XXXX XXXX did n't match. Costco membership had my old XXXX XXXX " XXXX ''. The representative on the phone from Citi Cards advised to have Costco membership change my name and resubmit new application for the credit card within the next 5 minutes. Which I did! This all happened in the matter of 20-30 minutes. 

I filled out a second application after my name was updated in Costco system. The second application again said I need to call Citi Cards. Which I did! The second time i called Citi Cards, the representative did not say anything but just said I will get a response in the mail in 10 business days. They do n't tell you " you are denied over the phone '' I understand. but when I received the letter from them, stating " Unfortunately, we ca n't approve your application. We reviewed your application and cant approve it because we could n't verify the accuracy of some of the information you provided. REALLY!!! 

I have ID theft protection on my credit reports, I have recently applied for other credit ( $ XXXX for a new car ) and was approved with NO ISSUES. When I apply for new credit ( normally ), the creditor gets prompted security questions they need to ask me before they proceed. The CITI Cards people just plain denied my application for " could n't verify the accuracy of some of the information you provided '' WHAT ACCURACY! maybe be more transparent over the phone and tell consumers what is going on!!!! 

I do n't know if CITI was plain lazy in proceeding with my application or there are some flaws in their system, but I find it OUTRAGEOUS that they are denying me for a credit card that charge almost XXXX % interest rate, while just a few months ago, I have been approved for credit cards with interest rate at XXXX %, and car loan at the amount of $ XXXX This is rigged. And on top of it, they will report me to the credit bureaus as denied because they did n't do they due diligence and XXXX me over!
Forward Movement Recovery has called my phone repeatedly over the past month stating that they are location services trying to get in contact with me about a debt. They threatened to contact all references over voicemail if I did n't call back. They called my mother in law and threatened her if she did n't give my whereabouts. I have never done any business with this company nor any company affiliated with this business. They have gone too far.
I formally request that my 31 Public Service Loan Forgiveness ( PSLF ) qualifying payments be credited to my FedLoans dispersed on XXXX/XXXX/XXXX. The events leading up to this appeal for my pre-existing qualifying payments be counted towards my existing public service loan application are as follows : Upon my graduation from XXXX and XXXX XXXX XXXX in XXXX XXXX, I called FedLoan Servicing to inquire about loan consolidation and loan repayment options. When I stated my plan to enroll in the PSLF, I was advised by a FedLoan representative that due to my XXXX XXXX loans through XXXX, my FedLoan debt would be disqualified from PSLF eligibility if I consolidated my loans. I followed the FedLoan representative 's advice and proceeded to make separate monthly payments to FedLoan servicing and to XXXX. I have records of my regular payments. 
I worked at XXXX XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX and during this time made 31 qualifying payments under the Income Based Repayment Plan to FedLoan Servicing. I have multiple letters of qualifying employment verification from this period. 
Throughout my employment at XXXX XXXX XXXX, I remained in contact with FedLoan Servicing representatives via telephone and followed the progress of my loan repayment. I have screenshots of the FedLoan website that demonstrate no discernible difference between the loans and their respective PSLF status. 
After learning about the Revised Pay As You Earn Plan, in XXXX XXXX, I called FedLoan Servicing to inquire if I was eligible for this plan. A FedLoan representative informed me that I did qualify, but also recommended I consolidate my FedLoan XXXX my loans to qualify for PSLF. It was only after this discussion that I learned that my XXXX loans originally serviced through XXXX XXXX and taken over by FedLoan in XXXX XXXX did not qualify for PSLF. I immediately followed the FedLoan representative 's advice and re-financed all of my XXXX loans to qualifying loans. I have attached documentation of this consolidation. 
After refinancing my loans, I noticed that FedLoan servicing changed the website to better demonstrate PSLF qualifying payment status. I have screen shots of the revised website. 

In conclusion, beginning in XXXX XXXX, I made 31 payments, but due to a lack of communication by both the website and FedLoan representatives, I did not file the necessary XXXX consolidation paperwork until XXXX XXXX. I formally request that 31 PSLF qualifying payments be credited to my FedLoans dispersed on XXXX/XXXX/XXXX.
We are trying to drop the PMI off our loan and had an appraisal done showing our property value at {$160000.00}. Our loan balance is {$120000.00}. Making our LTV 76 %. When we requested through Bank of America to drop our PMI, they refused saying we needed to be at 75 % LTV instead of the 80 % we feel we are entitled to under the Homeowner 's Protection Act.
On XX/XX/2018 I called Velo Law to get the amount owed because I was approved for a loan to pay off all my debt. Upon calling I had found out that they added an additional {$400.00} to my original debt and so I asked to speak to a manager. A very rude woman named XXXX said I would need to mail in written request. I asked to settle for the original amount and was told that i had to fill out a monthly financial statement and offer a proposal. She was incredibly intimidating and offensive in her behavior. I then stated I was going to collect some information of my own and report this law office to the XXXX, to which she replied that i was threatening and disconnected the call. I didn't know it was a threat to initiate my consumer rights. This is absolutely disgusting behavior.
Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX  XXXX  what are these accounts. please help me this is ruining my life please.
Dear XXXX XXXX, I was wondering if you could help me with a situation I am having with American Education Services ( AES ), and XXXX. They service private student loans. I was wondering about some of their practices. 

They withhold essential contract information such as, -Minimum payment information-Available programs for payments during difficult times-Direct contact information for my actual lenderWhen I have called and asked what my new minimum payment would be, they ask what I can afford, when I tell them they say it is too low. I had a XXXX minute conversation with the representative, where I had to go up in increments of {$5.00} until I hit their minimum amount. She said it was against company policy to just tell me the amount. It was humiliating to reveal what I could pay, and know they knew the right answer the entire time, and did n't tell me. 

What I am wondering is, is n't it illegal to withhold essential information in a contract from the other party? I do n't remember signing a contract for student loans that said, " I agree to your terms and conditions, including the ones you wo n't tell me about ''. Do n't they have to disclose all information regarding my student loan payments in detail. 

Another example of withholding information is information regarding available reduced payment options. I have called representatives at AES and asked, " If I am late on my payment what are my options? '' They have answered, " We can only tell you that there are options available to you, but not until after you are late. " Then, they do n't give me any details. I want to be able to plan. If the payment options for being XXXX days late are all different, should n't they be required to tell me that information, so I can establish a financial plan based on what 's coming? If they do n't give me this information, and I just sit there and wait, that impacts my credit. They are essentially forcing me into a worse situation, by making me wait until I am late, to find out what the new payment would be. I am taking a risk, because I do n't know how low the new payments are, but I do know that my credit score will be damaged. 

When I ask them for direct contact information to my lender, they say they ca n't give it to me. Do n't have the right to know who is actually lending me money? Please excuse the extreme example, but I would like to know if my loans have been bought by a XXXX, or XXXX. I use that example to illustrate that I think I should at least know where the money is coming from. 

If any of this is illegal, is there something that can be done about it? If so, does this mean they are in violation of the contract by not telling me the complete details? Please let me know if you need any further information from me. Thank you in advance for your time and help, I really appreciate your efforts to protect consumers. I look forward to hearing from you. 
Sincerely, XXXX XXXX
I opened a checking account with US Bank at the beginning of XXXX under a promotion where I was to receive {$200.00} within 60 days of having a direct deposit to the account of over {$500.00}. My first direct deposit from work of over {$1200.00} posted to my account on XXXX XXXX. According to the terms of the promotion, I expected to receive my {$200.00} bonus before XXXX XXXX. I never received the bonus. I sent an email to customer service asking when I would receive the bonus, received an automated response indicating someone would get back to me, and nobody did. I called US Bank on XXXX XXXX to inquire about the bonus and the customer service agent indicated that after researching the terms, he believed I met the terms and that I should have received the bonus and submitted a request for it to be looked into. He said I would either receive the bonus on XXXX XXXX or somebody would call me on the XXXX to discuss the issue. The money never showed up and nobody ever contacted me. I obviously find this treatment to be very frustrating and unprofessional.