WillisBack/dataset-financial-user-claim huggingface dataset:
I lost my job in XXXX. My mortgage payment was {$980.00}. I went through all of my IRA and XXXX to keep up with my bills. I worked XXXX different temporary jobs for 2 years. Then I got a permanent part time position with less pay in XXXX that led to full time in XXXX XXXX. My mortgage is with Bank of America. I went through XXXX for a while and then went through XXXX. XXXX had my payments at {$470.00}. While I was making these payments, BOA listed me in foreclosure for 2 weeks. I was trying to work with Bank of America to get a loan modification. I went to the XXXX meeting in XXXX in XXXX XXXX to hopefully get a solution that day. BOA told me I was in underwriting for a loan modification, so they said nothing I or they could do. Few days later I received the loan modification paperwork. 
New payment {$1000.00}. I make XXXX an hour, have XXXX dependents, get child support for XXXX, and that ends in 1 year. I want to keep my house but there is no way I can afford this. I dont understand why Bank of America would tell me one thing, XXXX would tell me something different.
I am very unhappy with Wells Fargo service, in ALL departments. I tried Wells Fargo a few times, but all end up badly. 

Firstly trying Wells Fargo back in XXXX with mortgage, end up with very bad experience - spent time for the mortgage, paid all the fees, and DID NOT get the house at the end.

Second time was opening a bank account with Wells just to help my bank friend to hit aggressive goal few years ago ( before it was getting to the news and being fined because of the fake-account scandal ) - again, bad experience. 

And this time, try again with Wells Fargo credit card last year. Called Wells Fargo today to get a replacement credit card, was told my credit card account was closed for no reason by Wells Fargo. 
All credit card reward associated with the credit card account are gone as well and the rep told me there is no way to retrieve without reopening the same credit card account. When I open the card, it did not state that the bank will close your card anytime without giving you a chance to redeem your point! 

Wells Fargo Internet banking is really outdated and it is super hard to rest the password without having the actual card - unable to reset password via email or text message associated with my Wells Fargo profile in XXXX. I was unable to check my statement or doing anything using internet banking and this is the only way I do my banking. 

The only thing I hope now is getting my reward back, and I hope Wells Fargo can get this right this time. Please contact me via email or call XXXX if there is any question.
I obtained a copy of Credit Report from Experian and noted several instances of incorrect information. I sent Experian a letter, Certified Mail, detailing these mistakes and requested an investigation. On XXXX XXXX, 2016 I received a letter from Experian saying that their security personnel had determined that the letter was not sent by me and that there would be no investigation. Additionally the letter stated that Experian would continue to apply this police to other request for an investigation.
In XXXX I began contacting my mortgage company to see if I could get a loan modification because my husband and I were going to be divorcing. I was told that they could not consider that unless my loan was in default. In that time mortgage company was shut down and turned over to another mortgage holder XXXX who could not help me because they were just getting the loan information entered in their system. I sought legal council because I was not getting anywhere and was told my loan was a XXXX and the courts had not determined how they would be handled. On XXXX XXXX, XXXX I went to mediation with XXXX the first default service assigned to my loan and was told to provide a list of documents for possible loan modification. I provided those and never heard anything. In XXXX the Supreme Court decided on the XXXX cases and I was served again. In the meantime the property was flooded in XXXX of XXXX causing approx. {$30000.00} damage and is still in jeopardy of recurring damages due to poor drainage. We went to mediation and the new servicer NationStar did not come with all their required documentation and the mediator sided in my favor. We went to mediation a third and fourth time always the same outcome the NationStar did not come with their required documents and sent representatives with no authority to negotiate. Now six years later I have been served with foreclosure documents and I do n't think NationStar even now have their required documents to proceed. NationStar even lied to XXXX XXXX at XXXX office they told XXXX they had never received anything from prior mediations. I sent copies of the e-mails to XXXX XXXX who has been trying to help but we are still at an in pass.
I took out a Spot Loan in XXXX XXXX. The loan amount was {$800.00}. I received a payment schedule detailing that the loan would be completed in XXXX XXXX, XXXX. Looking at my online account balance I still show {$610.00}. My " scheduled '' last payment is on XXXX XXXX and I 'm not even close to paying out this loan. 

I sent an email to Spot Loan for a copy of the terms and conditions of my loan and have yet to get a response. In my opinion, I have already paid more than the loan principle plus the interest. According to the payment schedule, I have already paid {$2100.00} in interest and fees.
I went into a XXXX location in North Carolina the day that they released a store credit card ( 2014 I believe ) and was told I wouldnt have to make a payment on the card for 6 months by the sales associate if I put my purchase on the card, I could take my time to pay it back and plus I received an extra 10 % discount for using it. The card was through XXXX XXXX. I made an initial purchase of about {$70.00} on the card and thought I had plenty of time to pay it back. I received no notices from comenity regarding missed payments until I owed over {$100.00} in late fees. To sum up the story, I ended up paying nearly {$500.00} for a {$70.00} purchase and took an enormous hit on my credit score. XXXX XXXX uses predatory methods to get credit card applications and their contact methods are shady at best. It is ridiculous to receive over 75 phone calls from blocked numbers in one weekend. I never have and never will answer a call from a  blocked number.
Continued calls - spoke to them once and they could not give me the proper information. I explained I had settled all this before and they said there are now late fees and interest and if I agreed to pay today it would be settled. Scare tactics to get money from people.
XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 there were a number of fraudulent ATM withdrawals made from my account. A police report was filed. I disputed the charges with the bank but after asking for no paperwork or documentation they rejected the claim and now my account has a negative balance.
I consolidated three XXXX school loans with Sallie Mae, totaling XXXX. As I was going to work in a XXXX XXXX shortage area ( a rural XXXX XXXX XXXX XXXX ), I received some repayment funds through the XXXX XXXX XXXX XXXX. I requested that payments be applied to principal. I made payments totaling XXXX between XX/XX/XXXX and XX/XX/XXXX. The loan was handled by Navient. When I became aware that Sallie Mae/Navient were applying very little of the payments to principal, I contacted them. I was told the situation would be corrected. It was not corrected, despite Navient 's promises. Their solution every time I called to was place me on forbearance while the problem " was fixed ''. I did not wish to be on forbearance. In XX/XX/XXXX I advised that I would not make further payments until payments were correctly applied. My payments of over 100,000 show my willingness to acknowledge my debt. Instead of helping me to resolve the situation, Navient continued to put me into forbearance without my consent while charging late fees and capitalizing interest. As of XX/XX/XXXX Navient claims I owe XXXX in spite of the XXXX paid. Since I would not consent to forbearance, Navient has placed the three separate loans on my credit report. I have challenged these. They have acknowledged to the three credit bureaus that all of these facts are correct. I have worked for over 11 years at a rural XXXX, and was never advised of the Public Service Loan Forgiveness program Navient told me this would be referred to their " fraud department '', but I never heard from them. I have made every attempt to resolve this without pouring more money into interest only payments, but Navient shows no willingness to work with me.
Evans Law Associates ( XXXX ) called my cellphone XX/XX/2015 and left a voicemail. Then they called my mother-in-law and demanded that she give them my contact information. When I returned the call on the afternoon of XX/XX/2015, I first spoke with XXXX/XXXX. He became upset with me when I told him I had XXXX their number and learned they were in bad standing with the XXXX. He transferred me to a " director '' who said his name too fast to catch. As soon as I mentioned the XXXX to him, he became enraged with me. He told me several times that he would file a lawsuit against me. When he told me I owed $ XXXX instead of {$6800.00}, I told him I would not pay the difference. He told me that if I would not listen to him, then " maybe I would listen to the judge instead ''. Also during the conversation I told him I was a legal secretary so I understood how lawsuits worked. He would then ask me questions and say " okay Little Miss Legal Secretary, if that is what you really are, what will happen ''. He was very rude, bordering on hateful. He told me I was not a lady and he did not have to treat me like XXXX. He told me they would not work with me and accept what I can afford each month. When I inquired about receiving a XXXX if I settled with them, he told me they never send out XXXX. He was very condescending the entire time. He hung up on me XXXX times. I made a point to call him back each time to clear up this matter. When I called back the XXXX time, he picked up the phone himself and screamed " WHAT? WHAT DO YOU WANT NOW? ", and proceeded to talk over me and belittle me. At least XXXX times he threatened me with legal action.
Hello, I am a XXXX years old and retired, someone has been debiting my account for the last 16 or so months, I get automatic SSA direct deposit and have just found out " ALLY ALLY PAYMT XXXX XXXX XXXX XXXX '' has been debiting {$590.00} for the last 14 months. 


I have filed a police report with the XXXX XXXX County Sherrifs office # XXXX and have also filed a Federal Trade Commission theft report # XXXX. 
I am in contact with the Attorney Generals Office - XXXX XXXX to help in this matter. 

Also I have hired my son, XXXX XXXX XXXX on a retainer to oversee this in the event we have to file a lawsuit against Ally Financial for theft, also he will be sending Ally Financial a cease and desist letter on the charging of the account.
when my car was stolen, I reached out to my insurance company XXXX about the theft. after the police recovered my vehicle, XXXX would not allow me to repair my vehicle and claimed my vehicle to be total loss. when payment was to be issued for the amount of my vehicle, XXXX claimed that my title had an outstanding loan with Title Max. knowing that I have never took a loan out with Title Max I reached out he them about the inaccurate information. when I reached out to Title Max I spoke to a manger by the name of XXXX XXXX. he stated it showed in their system they paid a loan to my finace company for my car. I provided him documents that showed I paid my car off in full and his information was inaccurate. XXXX for title max then stated the loan had been written off in their system and they were no longer able to collect on the loan. I advised XXXX that the loan was fraudulent and that I have had I identity theft in the past and I sent all information certified mail to XXXX and title max showing my identity theft and giving them opportunity to prove if the loan was accurate. this loan was supposedly taken out in the same year as my id theft case. title max never responded to the identity theft package, but instead contacted XXXX to have the check sent over to them for my car. so instead of XXXX issuing the check for my stolen vehicle to me, my money was sent to title max because they claim the loan that was written off in their system could be reopened if paid off. even after proof was brought to both XXXX and Title Max that the loan was fraudulent Title Max still told XXXX to send them my money. I have a police report from XXXX county from 2014 when my id theft case was open, I have an id theft affidavit, a FTC complaint number for id theft, and a payment receipt when I aid my car off from my loan company.
1. received email from us dept of education on XXXX/XXXX/16 regarding a loan forgiveness program. 
2. filled out the form and mailed it. 
3. received XXXX servicing bill for loan payment. sent out payment by mail, because online the account has been closed by fedloan without my knowledge. I did n't get anything in the mail that they had approved my application. 
4. sent out payment to fedloan address with XXXX invoice stub so that they can apply the payment, since I did not get a bill from fedloan and I could not set up an online account with them because they were still processing everything. 
5. payment processed on XXXX/XXXX/16 and XXXX/XXXX/16 for the same amount. 
6. XXXX/XXXX/16 received email from fedloan welcoming me and suggesting that i set up an online account. 
7. XXXX/XXXX/16 set up an online account with fedloan.org 8. online account states that i am past due and my loans are deliquent, which is incorrect. made a third payment for the same billing cycle online under fedloan. emailed with their online email that i paid already and that this is the third payment for the same cycle and their website says i am past due.
On   XXXX   XXXX   XXXX    , we refinanced a home with  XXXX  ( d.b.a . Military Family Home Loans ). Because we just today sold the home and pulled out some old paperwork, we reali zed we were never contacted by  XXXX  after we complained during the closing that we had never obtained a  Good Faith Estimate. Thus, when the HUD-1  arrived, we were surprised by some of the numbers. When we told the settlement agent, she advised that we write on the closing documents that a GFE had not been received, and that she would speak with the lender about i t. ( The lender als o said we could delay closing but that our rate lock would expire if we did so. ) If there is anything that can be done at the juncture, we would appreciate it.
I have had to repeatedly submit formal notice and demands in accordance with FCRA for Equifax to remove the fraud alert from my credit report. They have repeatedly purported that " no fraud alert currently appears '' on my credit report. And then when I access my credit report again, the fraud alert ( " EXTENDED FRAUD ALERT '' ) is conspicuously appearing at the beginning of my report. I reckon that 's their angle : to remove it from consumer view temporarily and tell me that it 's not " currently '' appearing ... and then reinsert the fraud alert. This has occurred now well over XXXX times. They can no longer make a claim of negligence. This is willful, and it has caused me irreparable harm. It needs to be permanently removed.
I have no knowledge of this collection and it does not report on the other bureaus. I have disputed it previously and requested verification of the debt but it has reappeared and contributed to a recent denial of credit.
During the refinancing of my home I was made aware of a debt that was outstanding. they called to get the amount that was owed by me to national Credit adjust. After being given the amount due a check was cut to satisfy the debt. I made repeated calls to get the address of where to send the Check and got nowhere. XXXX XXXX would not return my calls and when he did would not provide me any info on what the debt was from or what my information he had about me in file. He said I should pay it and i was lucky that he does n't have it sent to his legal department. I called back again a week ago with my loan officer and left word. He again did not call us back. We called again today and he said the balance due was now XXXX higher that it was when we contacted them initially. He would not honor the payoff amount and would not provide any documentation.
Dietech Financial has erroneously reported my mortgage payment late for the month of XXXX when it was paid on XX/XX/XXXX. FRAUD, I have been denied credit and at this point this it the second time that they have reported information that is incorrect and I am now asking for financial restitution. 

DITECH FINANCIAL LLC Account Number XXXX Account Type Real Estate Loan Terms 336 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details Past due 30 days Status Updated XX/XX/XXXX Balance {$190000.00} Balance Updated - Credit Limit - Past Due Amount {$3900.00} High Balance - Monthly Payment {$1600.00} Balloon Payment - Contact Phone XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$200000.00} Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
My mortgage is being sold from Seneca servicing to XXXX and I was notified less than 10 days of the effective date with the preliminary notification and no information from the new servicer to this point.
To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt XXXX. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
XXXX XXXX appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an XXXX XXXX card. I been an authorized user on my mother card the last past 3 years. 
XXXX XXXX appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry. 
Check into Cash appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone. 
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XX/XX/XXXX.
XXXX/XXXX appeared on my credit as an inquiry on XX/XX/XXXX.  I never had an account with this company. 
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry.
XXXX/XXXX  appeared on my credit report XX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter.
If you need any documentation you can email me at XXXX. 
Thanks
XX/XX/XXXXHard Inquiry from XXXX XXXX XXXX  ( I have not ask or apply for any credit cards with these people, unauthorized hard credit pull, two times in one day ) XX/XX/XXXX Hard inquiry from XXXX   ( on this date they pulled twice my credit report and performed 2 hard inquiries without my consent, I did not authorize them nor apply for any credit cards. Someone used my information to apply for these credit cards, three time in one day I had hard credit pulls.XX/XX/XXXX Hard inquiry from XXXX same as above inquiries, I did not authorize nor apply for any credit cards.

XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize nor apply for credit card on this date, unauthorized.

XX/XX/XXXX Hard inquiry from XXXX, I did not authorize this.

XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize this hard inquiry.

I have called these banks personally and explained them that these application weren't mine, also I did contact all three credit reporting agencies, but nothing changed it still hurting my credit.
XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with CBNA/Best Buy. An account with CBNA Best Buy was estaliblished and charged for {$4300.00} dollars. This was done without the consent of XXXX XXXXXXXX. An official dispute of this information was submitted to CBNA/Best Buy fraud department XX/XX/XXXX ; however as of this date CBNA/Best Buy has failed to provide an update of the investigation and they have continued to report the account to XXXX XXXX 's XXXX  credit report. In addition an official dispute of the CBNA/Best Buy account was submitted to XXXX ; the address associated with the fraudulent account was also reported to XXXX  however, as of this morning XX/XX/XXXX " XXXX '' a representative with XXXX confirmed with my client, XXXX XXXX the fraudulent address and CBNA/Best Buy information was not being removed. 
Both XXXX  and CBNA/Best Buy are in violation of FCRA and have violated my client 's federal consumer rights.
Bank of America approved an authorization on a closed card. I cancelled my service with the company ( XXXX ) 2 months prior and I received a brand new credit card two months prior.
In XX/XX/XXXX, RMS Reverse Mortgage Solutions, ( Mortager ) after claiming non-receipt of a {$38.00} fee due them by me, XXXX XXXX, ( Borrower ) put my loann into default and started foreclosure proceedings and charged fees totaling up to approximately {$900.00} in administration and appraisal services. The {$38.00} had been received by their office as verified when Borrower called. During conversation representative stated that it was not clear or apparent why foreclosure proceedings had commenced, but records would be corrected. 
My loan is marked in default again in XX/XX/XXXX on RMS records. I was not given a reason as to why. 
Each year since the origination of loan, XX/XX/XXXX, RMS sends a tax letter regarding my mortgage account in XX/XX/XXXX or XX/XX/XXXX, instructing that my property tax payments late and to please pay. The property taxes for the mortgaged home are due in XXXX County, Indiana, each XXXX XXXX and XXXX XXXX, and have not been paid late any tax year. However RMS uses their own tax schedule to regard them as late before the property taxes for the property taxes are actually legally due in my county.