WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage company is running me in circles. I have been trying to fix a problem with my escrow IMPOUNDS since XXXX. I have even elevated this to a supervisor named XXXX and it is still not corrected. This is ridiculous!! HELP HELP HELP I filed a complaint on XX/XX/XXXX with CFPB about this problem and it is still not fixed and no one at my mortgage company LOOKS at anything to see that what I am saying and what they are telling me is true. 

They re-ran an escrow statement using the same information that they used previously and the only reason i found out it is the same information is that i asked to see a copy. 
They are impounding me for taxes i paid and theirs are being refunded, even though they told me they are being refunded leading me to believe they are not charging me for the refund, they still are, but the people that work there can't even figure that out and tell me " it is our policy to have you on impounds ''. 

This is the worst service ever.
Since XXXX, I have reported that I am no longer liable for this account since it has been 7 years that it was first reported to Equifax. This account is for XXXX XXXX which has been closed for over 10 years. I have repeatedly requested that Equifax remove this account from my credit report but they continue to disregard my wishes. This account was closed in XXXX and should not be on my report anymore. The creditor reported this account again to Equifax on XX/XX/XXXX due to my dispute did not delete this account.
ref : XXXX. 
On XXXX/XXXX/2015 I sent the claims package with the signed check to Ocwen, paid extra money to get the money returned to me overnight. Ocwen deposited the money and my statement shows the money applied as of XXXX/XXXX/2015. 
I have called XXXX XXXX 3 times and left messages without getting any return phone call. I started the work needed, had I not done that, I would have been flooded twice. 
Just how much time do they need to return some money ( my money ) to me. What is the proper procedure from here. This problem now is going on 3 years, enough is enough.
I have been disputing two bankruptcies on my credit report for several months. 
I have requested that the Experian delete the incorrect information showing for both of these bankruptcies. The identification # for both are XXXX and XXXX. They are both showing the case as dismissed which is incorrect. They were both voluntarily withdrawn before the completion of any judgement. They should show the correct information. I have requested for Experian to validate with the bankruptcy court that the information is showing correctly. I contacted the court myself and was notified by the Court Clerk for the XXXX XXXX XXXX court that they DO NOT verify any court cases with the credit bureaus. This is false information is causing harm to my reputation and damaging my financial credit worthiness. I have requested in several letters to Experian asking for proof that they have validated the information showing on my report. Experian sends my dispute back as verified but unable to provide me with information on how they verified or validated the information. I am requesting that they either provide me proof from the court that the information is validated. If that information can not be provided then I am requesting both cases be removed from my credit report immediately or I will be forced to file a lawsuit against Experian for the providing incorrect/false information to companies that request my credit report.
XXXXCBNA Closed : XX/XX/XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit {$800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 9 yrs, 9 mos ) Payment History Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Account closed by credit grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX It was taken out by my Mom & Dad not me
I have contacted the reporting which is XXXX XXXX numerous times going back as far as XXXX/XXXX/15 regarding a hard inquiry on all XXXX credit reports.They stated that it was a soft inquiry which turned out to be false. I talked to XXXX XXXX XXXX XXXX/XXXX/15 XXXX again and talk to a rep named XXXX -id # XXXX. I gave her all information stating it was reported incorrectly and had copies to show that. she then stated that she would have XXXX XXXX removed all hard inquiries. I received updated credit reports and it still was not corrected. i tried calling 4 times after that and XXXX XXXX refused to acknowledge.
company charged me with a debt that I do not owe, it is an internal accounting error by reporting company
My name is XXXX XXXX XXXX, I am writing because of a continual problem regarding a mortgage loan with Ditech Financial, LLC. I am desperately in need of a resolution as I have done everything requested of me by Ditech in order to be approved for a Deed in Lieu. It has been over a year, that I have been trying to avoid foreclosure and return the property to Ditech Financial, LLC. XXXX representatives have been very rude, demeaning, and completely disrespectful 95 % of the time I have spoken with them. Calls have stated they are being recorded, so I know there is proof. In XX/XX/XXXX I was deemed XXXX due to a work injury while working in the XXXX XXXX XXXX XXXX. Though struggling while depleting my savings, I remained in good standing with my payments until XX/XX/XXXX. During this time I have made numerous efforts to try and resolve this ; short sale, rent the home, have a married couple take over the payments, and to no avail Ditech has drawn this matter out without good reason. They have offered a modification, but that was what caused the problem only to worsen the current payments. I am in no condition to keep or maintain this property. I have vacated the premises as of XX/XX/XXXX as I could not even afford the household bills. I can be reached at XXXX by phone or by email XXXXXXXXXXXX. Since I am not at a stable location at the moment, you can also mail correspondence to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. Thanking you in advance for your immediate attention and assistance with this matter.
I have been working on rectifying my credit report after my accounts have been entered and used off and on since XXXX. The most recent hack was with my XXXX XXXX Charge account last XXXX XXXX XXXX XXXX When gift cards were purchase on my account with out my knowing, I reported it to the Police in XXXX Mass and I reported it to XXXX XXXX and the bureaus. I can not understand how these bureaus can have so much control of our lives when the Police told me that this kind of thing is happening everywhere. 
The police contacted XXXX XXXX about the fraud but they did not shut down the account take the report seriously and then open a new account. They wrote to the bureaus that I owe over XXXX to XXXX XXXX. They would not take this as fraud and this was during the recession even though is was not during XXXX the recovery was continuing. 
My complaint is with XXXX XXXX taking advantage of a XXXX women 's tough situation and the bureaus not willing to really do the right thing but instead made my score so low that I have not been able to be treated any more than a criminal. I have taken a company public but I could not buy insurance due to pre-existing conditions and have had 28 XXXX But this complaint is about the need to get justice for me and I bet many XXXX people but also to redo the power of the credit bureaus. These companies control our lives with the FICA scores even in an environment where millions of people have had their information from companies like XXXX nd all of the retail companies and tech companies like XXXX. Information is stolen, accounts will be hurt and should not the credit bureaus be altered to be able to be attuned to the problems vs. treat real people who are responsible with heavy handedness and cruelty, The credit card companies like XXXX XXXX do very well. They did not need to take over a year to then decide that they still would not address the fraud done on me and they still would not give me a new card. Instead they not only made me responsible for something I was not responsible for but they then penalized me in rejecting me with re-opening my account. Even the Police asked for my account to be reopened because I actually paid before the bill was issued. I am XXXX. If my car gets a flat tire and I have not enough left on my ssi to pay for the help, I am now at risk that I will be stuck without help. It is time to take care of stopping the powerful from hurting the not powerful but responsible people. Thank you, XXXX XXXX
I opened a citigold checking account according to the promotion they have to credit me XXXX XXXX miles. 
I fulfilled the requirements, but Citibank refuse to give me the promotional miles. 
I have the correspondent mails and messages talk with them to confirm my promotional eligibility and their response of my fulfillment of the requirements. 
Also the letter they give to me recently denied my eligibility of getting those promotional miles. 
I ca n't find a easier way to communicate with them directly because of this time consuming process. So I write my claim here.
Citibank sold debt to a series of debt collectors. The debt amounted to {$11000.00} I believe that this debt amount was a material misrepresentation. The debt collector might have used an inaccurate 29 % APR to falsely increase the total therefore increasing their potential share of the written off debt. 

Please confirm if my debt was part of the recent class action lawsuit. 
http : XXXX Thank you
I've paid my mortgage off in XX/XX/2009 and it is still showing on my credit reports
I obtained a copy of my credit bureau today to learn that an item removed in XX/XX/XXXX as result of dispute has reappeared I wasnt given any notice before Equifax added the collection item back on report The item in question is a collection listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never signed a contract with this company or done and form of business with them I have never received any letter or call since there is no contract the company can not collect
RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONCOMPLAINT : XXXX : XXXX XXXX XXXX XXXX New Jersey XXXXDear Consumer Financial Protection Bureau:XXXX I did not sign the application, and this is very clear from the paperwork HSBC has provided. The original application does not have my signature, and whoever singed XXXX is forgery which is illegal. 

XXXX. Again, I diligently sought legal representation and MOST IMPORTANT, I rescinded the deal within 3 day window. 

XXXX. I never received the truth in lending disclosure. 

I have invested and spent FAR TOO MUCH TIME AND MONEY INTO THIS ENCUMBRANCE and it is not My burden to bear any longer. This house located at XXXX XXXX XXXX XXXX, NJ XXXX has been paid for XXXX. This house is a SURE EXAMPLE OF PREDATORY LENDING. The property has been under contract XXXX times since 2014, and XXXX home loans refuses to LET GO. There is no way this property appraised for {$200000.00}. 

Again, GET THIS PROPERTY OUT OF MY NAME. RIGHT Now, there is a contract for a short sale and XXXX loans is holding the deal up. Enough is enough, either convince XXXX home loans to proceed with short sale ( including no deficiency judgments, {$5000.00} relocation fee for Me, XXXX XXXX XXXX, and total debt cancellation ), or MAKE THEM. Realtor is XXXX ( XXXX ) real estate XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX, fax : XXXX, email : XXXXXXXXXXXX ). 

XXXX and XXXX, XXXX XXXX XXXX
Here is the story all over again, as I recall it, XX/XX/2014, there were quite a few advertisements regarding business opportunities on t.v. XXXX in particular was of a mother who worked really hard and could not make ends meet with XXXX XXXX assistant she began to make thousands from home. I sent an email as the company provided their email address in the ad. I never received a response from the company that was doing the advertising. A short time period after that I received a call from a guy that claimed to be currently running the facility. He began to interview me stated that he had to verify that I met the criteria to be a part of such a lucrative business opportunity. He advised he had XXXX difference platforms ranging from XXXX to XXXX XXXX dollars. He stated if I purchased the XXXX XXXX dollar package, everything would be done and customized for me, and I was guaranteed to make money, without lifting a finger. Here I am weeks later, and to my knowledge I still do n't have an active account. They mentioned that my account is active, but I never even put anything on it or seen it. They swindled me out of {$3200.00} dollars and several monthly fees of {$110.00} stating that it was essential for the operation of my website. WHAT WEBSITE, I DO N'T HAVE ONE! Which has brought me to this point. My credit card company states they will not refund my money because the merchant responded. In their responses they provided a contract which I admitted to signing and a record log of me attempting to contact them excessively, which only proofs that I was n't receiving the assistance I needed. Regarding XXXX, XXXX and case number XXXX. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. My wife and I have already been through enough calls, emails, irate conversations with the merchant. They should not be signing with the merchant, this is a form of XXXX abuse. I called previously and try to stop these monthly fees and my credit card company failed to assist me. PLEASE HELP US!
XXXX XXXX and One Main has a hard inquiry on my credit report and I have nothing at all to do with either company. No credit card, no loan, never had any business with either company. Where did this come from and why is it on my credit report?? I want it removed from my credit and an answer of how it got on my report!
I would like to submit a complaint regarding Transunion. It has been well over 30 days and Transunion never investigated and did not send me results of the accounts and inaccurate information I disputed on my Transunion credit report. I mailed a written dispute to Transunion on or about  XXXX / XXXX / 2016 . I disputed several inaccurate, erroneous and unknown accounts reporting on my Transunion credit report/file and requested an investigation by Transunion. The following information and accounts were disputed and investigation requested ;  XXXX  #  XXXX ,   XXXX    XXXX   XXXX  #  XXXX ,   XXXX   XXXX   XXXX    XXXX , and   XXXX    XXXX  #  XXXX .       It is well settled, per the Fair Debt Collection Practices Act that credit reporting agencies/bureaus have  XXXX  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer. Transunion has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information. I have made Transunion aware that some of the accounts their company is reporting on my credit report have inaccurate and erroneous amounts owed and/or financed, open and close dates are incorrect, dates of delinquency are incorrect, a number of accounts are obsolete and time-barred and some of the accounts I am no longer liable for.
At the end of XX/XX/2017I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area. 

However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure. 

I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit report.
Equifax refuse to remove an unauthorized hard inquiry that was pulled by XXXX XXXX on XXXX XXXX, i was told by an Equifax respresentive in order for them to remove this inquiry i will need supporting documents, XXXX XXXX has contacted Equifax to remove this inquiry and i am submitting supporting documentations supporting the removal.
Someone keep hacking my NetSpend account! they are using my account number and keeps Stealing my personal information without my consent! 












XXXX XXXX
My student loan company ( Navient - formerly XXXX ) will not help me to reduce my monthly payment amounts. They let me know that they do not reduce them for private loans, but that I could submit a federal loan monthly payment reduction. I submitted an application 3 times to the government site and have not heard back ( last submission was in XX/XX/XXXX ). Navient is charging me {$1000.00} per month and kept pushing me into forbearance. Forbearance is no longer an option and they have not offered any assistance to get these under control so I just keep accruing interest of 6-9 %.
This card company charges XXXX for each declined transaction fee. It does n't matter if the website is the issue and you have funds available. 

I was charged XXXX in a two week period and they would only credit XXXX of them. That 's unacceptable to me.
I was approved for and received a small loan from CashNetUSA. This is not my first time to receive a loan from this company. The problem is I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where unexpectedly I ended up filing a Discrimination and Equal Pay Rights complaint agaist the XXXX XXXX that made it as far as the Hearing level. This has been a very intense case that took over 2 years to come to a settlement agreement. This was done just recently. Unfortunately I was placed on extended leave due to stress and once I no longer had leave on the books I no longer was receiving an income! I contacted CashNetUSA multiple times explaining my situation and that I take full responsibility of my debt to the company but have no way whats so ever to continue making payments until my XXXX case was over. I ensured CashNet that even if I lost the case I would be retiring receiving a full annuity after 38 years with XXXX Im finally going to receive a settlement amount and will start receiving my retirement so I will be able to take care of all financial obligations. 
My problem is with the interest this loan company is charging me for a small loan where something came up preventing pay day payments from being paid. During the time this hearing process has take until I signed an agreed Settlement amount I lost my home of 20 years, my car and just about everything I owen trying to survive as a single parent with XXXX boys and no income on top of surviving the XXXX XXXX XXXX thats thrown at you every time you ask for help! There is only one process available to an employee that is set up to support management. The XXXX XXXX has its own way of handling employees who are a threat to upper management. 
Because I was very informative keeping CashNet up to date with my lawsuit by writing letters, email and discussions on the phone, in an effort to avoid the high interest rates Im being charged. My total balance now is almost 3 times more then the amount borrowed. I have a feeling because this falls under their contract that Im going to be stuck paying the full amount including all interest during the 2 year waiting period. All said and done, Is there any kind of protection to individuals getting this type of loan that fall under the circumstances I have explained preventing me from making Pay day payments? I have another loan with a different company that is also a small pay day loan that has already sued me. I dont even know what the out come of that law suit even is. 
The hearing process for a XXXX XXXX employee is absolutely ridiculous the way it is set up forcing the employee to settle out, transfer out or take an early retirement due to what is known as forcing the employee and their family into starvation to get them to accept other options that dont serve justice! As you are aware Im sure the XXXX XXXX will avoid going to court in every way possible. 
I am one of the fortunate ones that was able to out starve them and I won my case! 
Do, Can you please guide me in any positive direction or give me advice on what I can do if there is a way, to avoid paying such high interest rates on a small loan? Please advise Sincerely XXXX XXXX
This is a follow-up of complaint XXXX that is still in process. I was called by B of A a couple of times about closing this account. The last time they called a day or so ago, I asked why this account was not being closed. The lady told me and I quote " we are investigating the back end ''. I have no idea what that means and she could not explain it to me when I asked. Every other credit card and banking account have been closed for some time with no issues but for some reason, this is taking a month now and still not resolved. Who else can I submit a formal complaint to? Are there banking regulatory entities that I can complaint to. This is absolutely nuts and I would like to pursue the reasoning behind no closing an account when requested. There is no " back end '' as my Mom is dead and that is why the account is being closed. She died XX/XX/XXXX and this account is still open.
In a reply to a complaint # XXXX the bank 's response was that the bank has a right to foreclose on my home. I say no, they do not have that right. The documents sent with the response is not valid as the modification that was offered to me in reply to my questioning where my payments were going was withdrawn in a letter dated XX/XX/XXXX. Also the modification documents were signed by XXXX and XXXX XXXX XXXX and the notary stamp is only to our signature. The bank never signed and send us a copy. The modification was never recorded even though this was an amendment for a mortgage over {$190000.00}. The modification was never submitted to the court in the filing of the lawsuit. The notice to owner submitted in the case was from the modification so the whole purpose of the modification was to have a notice to owner for a larger amount owed. My bankruptcy stands. In a notice to the bank that is recorded in XXXX XXXX Florida, Doc # XXXX B : XXXX XXXX dated XX/XX/XXXX a suggestion of bankruptcy letter was sent to the bank. The bank had a fraudulent judgment that was dated XX/XX/XXXX already and never asked to lift the stay on my request for bankruptcy. My estate was closed with my homestead property intact. This bank keeps saying to contact the new servicer who would have no knowledge of what went on since XX/XX/XXXX. No you are the ones that ruined my credit and then tried to steal my home.